Are you planning to start a Soya Products Unit under the PMFME (Pradhan Mantri Formalisation of Micro Food Processing Enterprises) scheme? This page provides a complete project report format for NIC 10406 (Manufacture of vegetable and animal oils and fats) with a project cost between ₹5 lakh and ₹40 lakh. A bank-ready project report is essential for loan approval under PMFME, which offers 35% capital subsidy (max ₹10 lakh) and credit-linked support. The report must include CMA (Credit Monitoring Arrangement) data, DSCR (Debt Service Coverage Ratio), and 5-year financial projections. Whether you are in Indore (soya hub of India), Madhya Pradesh, or any other state, this guide covers the project cost breakup, subsidy calculation, machinery list, and documentation required for a successful application. Use this template to prepare a professional report that meets bank and scheme guidelines.
To apply for PMFME subsidy for a Soya Products Unit, you must be an Individual, Partnership, LLP, Private Limited, Cooperative, or Self Help Group (SHG). The project cost should be between ₹5 lakh and ₹40 lakh. Existing units can also apply for upgradation. The business must be involved in processing soya beans into products like soya oil, soya meal, soya chunks, soya milk, or tofu. The unit should be located in a rural or semi-urban area (preference given). You need a valid GST registration (if turnover exceeds ₹20 lakh), FSSAI license, and Udyam Registration. The promoter should not have defaulted on any previous loan. The project must be viable with a DSCR of at least 1.25.
For a Soya Products Unit with a project cost of ₹20 lakh (example), the typical financing structure under PMFME is: 35% capital subsidy (₹7 lakh) from the scheme, 10% promoter contribution (₹2 lakh), and 55% bank loan (₹11 lakh). The project cost includes: land & building (if not owned) ₹3 lakh, plant & machinery (soya expeller, oil filter, boiler, packaging machine) ₹10 lakh, working capital (raw material, electricity, labour) ₹5 lakh, and other expenses (licenses, installation) ₹2 lakh. The bank loan is repayable over 5 years at an interest rate of MCLR + 2-3% (approx 9-11%). The subsidy is released in two instalments: 50% after loan disbursement and 50% after project completion. Ensure you have a detailed CMA report showing current ratio >1.5 and DSCR >1.5.
For a PMFME loan application for a Soya Products Unit, you need: 1. Duly filled PMFME application form (Annexure I). 2. Project report with CMA, DSCR, and 5-year projections. 3. KYC documents (Aadhaar, PAN, Voter ID). 4. Proof of business address (rent agreement or ownership). 5. GST registration certificate. 6. FSSAI license (for food processing). 7. Udyam Registration certificate. 8. Bank statements for last 6 months (if existing business). 9. Quotations for machinery from suppliers. 10. Land documents (if owned). 11. Caste certificate (if SC/ST/OBC for additional benefits). 12. No objection certificate from local authority. Submit these to your nearest empanelled bank (SBI, PNB, Bank of Baroda, etc.) or through the PMFME portal.
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PMFME format + soya products unit economics combined correctly.
Subsidy/margin money for PMFME auto-computed.
Project cost ₹5–40 Lakh, NIC 10406.
CMA, DSCR ≥ 1.50, 5-year projections.
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Yes — PMFME (35% capital subsidy) is commonly used for soya products unit. The report is formatted to PMFME requirements with subsidy/margin money shown.
35% capital subsidy — computed automatically in the means-of-finance and subsidy sections.
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The maximum capital subsidy under PMFME is 35% of the eligible project cost, capped at ₹10 lakh. For a project cost of ₹40 lakh, the subsidy is ₹10 lakh. For a project cost of ₹20 lakh, the subsidy is ₹7 lakh. The subsidy is released in two instalments: 50% after loan disbursement and 50% after project completion and verification.
Yes, PMFME loans are collateral-free for loans up to ₹10 lakh under CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises). For loans above ₹10 lakh, collateral may be required depending on the bank's policy. The project cost up to ₹40 lakh is eligible, so if your loan component is within ₹10 lakh, no collateral is needed.
The repayment period for a PMFME loan is typically 5 years, including a moratorium period of 6-12 months. The loan is repaid in monthly or quarterly instalments. The interest rate is based on the bank's MCLR plus 2-3%, currently around 9-11% per annum. Ensure your DSCR is at least 1.25 to get loan approval.
Yes, a detailed project report is mandatory for PMFME subsidy. The report must include CMA (Credit Monitoring Arrangement) data, DSCR (Debt Service Coverage Ratio), and 5-year financial projections (profit & loss, balance sheet, cash flow). It should also cover the project cost breakup, machinery list, raw material sourcing, and market analysis. A bank-ready report increases your chances of loan approval.