Bank-ready ro water supply report under MUDRA Kishor — project cost ₹3–25 Lakh, subsidy, CMA data, DSCR ≥ 1.50 and 5-year projections.
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Starting an RO water supply business in India requires a bank-ready project report, especially when applying for a MUDRA Kishor loan (₹5–10 lakh). This page provides a detailed project report format for an RO Water Supply unit under NIC 36000, covering project cost, subsidy eligibility, CMA data, DSCR calculations, and 5-year financial projections. Whether you are an entrepreneur in Delhi, a CA in Mumbai, or a small business owner in rural Karnataka, this guide helps you prepare a professional report that meets bank requirements. A well-structured report increases loan approval chances and ensures you can avail benefits under MUDRA, PMEGP, or CGTMSE. The report includes assumptions on water sales, operational costs, repayment capacity, and breakeven analysis. Use this as a template to customize for your location and capacity.
MUDRA Kishor loans (₹5–10 lakh) are available for non-farm income-generating activities like RO water supply. Eligibility criteria: Indian citizen, age 18+, with a viable business plan. The borrower must have a good credit history and provide collateral-free loans up to ₹10 lakh under CGTMSE cover. For RO units, the business should be located in an area with demand for purified water (e.g., urban colonies, schools, offices). The project report must demonstrate technical feasibility (e.g., water source quality, RO capacity) and financial viability (DSCR > 1.25). Priority is given to SC/ST, women, and OBC entrepreneurs. The loan can be used for machinery (RO plant, storage tanks), working capital (filters, membranes), and installation costs.
For a typical RO water supply unit with a capacity of 100–250 LPH, the project cost ranges from ₹5–10 lakh. Breakup: RO plant (₹2–4 lakh), pre-treatment (₹50,000–1 lakh), storage tanks (₹1–2 lakh), plumbing and installation (₹50,000–1 lakh), furniture (₹20,000–50,000), and working capital for 2 months (₹1–2 lakh). Under MUDRA Kishor, the loan covers up to 100% of project cost. Subsidy: Under PMEGP, 15–35% subsidy (max ₹15 lakh) is available for general and special categories. For CGTMSE, no collateral required. Banks typically finance 90% of machinery cost. The project report should include a detailed cost list with quotations from suppliers. Ensure to include installation and commissioning charges.
To prepare a bank-ready project report, gather: 1) KYC documents (Aadhaar, PAN, Voter ID). 2) Business address proof (rent agreement or ownership). 3) Quotations for RO plant and equipment from at least two suppliers. 4) Water quality test report from a certified lab (to prove raw water quality). 5) Project report in the bank's format with CMA data, DSCR, and 5-year projections. 6) Caste certificate (if applying under PMEGP subsidy). 7) Land/building documents if owned. 8) Two years of bank statements (if existing business). For new entrepreneurs, a detailed business plan with market analysis (e.g., number of households, competitors, pricing) is essential. The report must show that the business can generate sufficient cash flow to repay the loan in 5–7 years.
Every report is formatted to the exact standards required by Indian banks and government departments.
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MUDRA Kishor format + ro water supply economics combined correctly.
Subsidy/margin money for MUDRA Kishor auto-computed.
Project cost ₹3–25 Lakh, NIC 36000.
CMA, DSCR ≥ 1.50, 5-year projections.
Editable; Word + Excel exports; first report free.
Yes — MUDRA Kishor (₹50K–₹5L) is commonly used for ro water supply. The report is formatted to MUDRA Kishor requirements with subsidy/margin money shown.
₹50K–₹5L — computed automatically in the means-of-finance and subsidy sections.
Register free, pick the scheme & loan amount, and the AI drafts the full bank-ready report (CMA data, DSCR, 5-year projections) in under 60 seconds. First report free; clean exports ₹499.
MUDRA Kishor loans do not have a direct subsidy, but you can combine with PMEGP which offers 15% subsidy (general) to 35% (SC/ST/women) of project cost, capped at ₹15 lakh. Additionally, CGTMSE provides collateral-free coverage. State-specific subsidies may also apply; check with your local DIC.
Banks expect a Debt Service Coverage Ratio (DSCR) of at least 1.25 for MUDRA loans. For an RO unit, with proper pricing (₹8–12 per 20-liter can) and 60–70% capacity utilization, DSCR can be 1.5–2.0. The project report must calculate DSCR for all 5 years.
Yes, loans up to ₹10 lakh under MUDRA are covered by CGTMSE, making them collateral-free. However, the bank may require a personal guarantee or hypothecation of assets. Ensure your project report shows strong viability to avoid additional security demands.
The report must include: 1) 5-year profit & loss statement, 2) cash flow statement, 3) balance sheet, 4) CMA data (current ratio, quick ratio, debt-equity ratio), 5) break-even analysis, and 6) repayment schedule. Assumptions: daily sales of 100–200 cans, price ₹10/can, operating costs (electricity, membrane replacement, labor) at 60% of revenue.