For a ₹1 Lakh tea stall in India, a bank-ready project report is essential to secure a MUDRA Shishu loan (up to ₹50,000) or MUDRA Kishor loan (₹50,001–₹5 lakh). This report includes CMA data, DSCR (typically >1.25), and 5-year financial projections. With a promoter margin of ₹10,000 and a term loan of ₹90,000 at 11% over 7 years, the monthly EMI is approximately ₹1,541. The project aligns with NIC 56303 and may qualify for PMFME subsidy (35% capital subsidy up to ₹10 lakh) if the stall is part of a food processing micro-enterprise. A well-prepared report demonstrates viability to banks, covering location, equipment costs, working capital, and repayment capacity.
Any Indian citizen above 18 years with a viable tea stall plan can apply. For ₹1 Lakh, MUDRA Shishu (up to ₹50,000) or MUDRA Kishor (₹50,001–₹5 lakh) are ideal. PMFME offers 35% capital subsidy (max ₹10 lakh) for food processing micro-units, including tea stalls with basic processing (e.g., packaged tea). No collateral required under CGTMSE for loans up to ₹5 lakh. Existing businesses with 6 months of GST returns are also eligible.
Total project cost: ₹1,00,000. Promoter contribution: ₹10,000 (10%). Bank loan: ₹90,000 (90%). Loan tenure: 7 years. Interest rate: 11% p.a. (reducing balance). Monthly EMI: ₹1,541. Use of funds: equipment (stove, kettle, refrigerator, cups, tea leaves) ₹60,000; furniture & signage ₹15,000; working capital (initial stock, electricity deposit) ₹25,000. DSCR calculated at 1.5 ensures comfortable repayment.
1. Identity proof (Aadhaar, PAN). 2. Address proof (Aadhaar, utility bill). 3. Business proof (shop rental agreement or ownership). 4. Project report with CMA data and 5-year projections. 5. Bank statement (last 6 months). 6. GST registration (if applicable). 7. Two passport-size photos. For PMFME subsidy, additional forms and FSSAI license are needed. Submit to any public sector bank, regional rural bank, or NBFC-MFI.
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Financing structured for a ₹1 Lakh tea stall: margin, term loan & EMI.
Scheme-ready for MUDRA Shishu, MUDRA Kishor, PMFME.
Exact means of finance, CMA, DSCR ≥ 1.50 in the generated report.
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Indicatively ≈ ₹1,541/month on the ~₹90,000 term-loan portion (at 11% over 7 years), with ~₹10,000 promoter margin. The report computes exact figures.
Banks typically expect ~10% margin — about ₹10,000 for a ₹1 Lakh project — plus any scheme subsidy.
MUDRA Shishu, MUDRA Kishor, PMFME fit this range. The report is configured to your chosen scheme.
Yes, MUDRA loans up to ₹5 lakh are covered under CGTMSE, requiring no collateral or third-party guarantee. For a ₹1 Lakh tea stall, only a project report and basic documents are needed.
The monthly EMI is approximately ₹1,541. Total interest payable over 7 years is about ₹39,444, making the total repayment ₹1,29,444. Use a loan calculator to verify.
Yes, if the tea stall involves basic processing like packaging or flavored tea, it qualifies under PMFME. The subsidy is 35% of eligible capital cost, up to ₹10 lakh. However, the stall must be registered as a food processing micro-enterprise.
Typically 7–15 working days after submitting a complete project report and documents. Banks may take longer if additional verification is needed. MUDRA loans are processed faster through online portals.