This project report is tailored for a cosmetics shop requiring ₹15 Lakh funding under MUDRA Tarun or CGTMSE schemes. Located in any Indian city, the business (NIC 47723) involves retail of skincare, makeup, and personal care products. A bank-ready project report is critical for loan approval—it includes CMA data, DSCR calculation (target >1.5), and 5-year financial projections covering sales, expenses, and cash flows. It demonstrates viability, promoter margin (₹1.5 Lakh), and repayment capacity (EMI ~₹23,115/month at 11% over 7 years). The report also outlines collateral-free coverage via CGTMSE, subsidy eligibility under PMEGP/PMFME (if applicable), and step-by-step documentation. Without a professional report, banks often reject applications due to incomplete data.
For a ₹15 Lakh cosmetics shop, MUDRA Tarun (₹5-10 Lakh) is insufficient; instead, MUDRA Tarun (up to ₹10 Lakh) or a term loan under CGTMSE (up to ₹2 Cr) is suitable. The promoter must be Indian, aged 18+, with a viable business plan. CGTMSE offers collateral-free coverage up to ₹2 Cr for MSMEs. PMEGP subsidy (15-35% of project cost) may apply if the promoter is a rural youth or artisan. For women entrepreneurs, Stand-Up India provides loans up to ₹1 Cr. The project report must include the chosen scheme, margin money (10% = ₹1.5 Lakh), and repayment tenure (7 years). Banks typically require a CIBIL score of 700+ and GST registration (if turnover exceeds ₹40 Lakh).
Total project cost: ₹15 Lakh. Promoter margin: ₹1.5 Lakh (10%). Bank loan: ₹13.5 Lakh (term loan). Use of funds: Shop renovation (₹3 Lakh), furniture & fixtures (₹2 Lakh), inventory (₹6 Lakh), POS system & software (₹1 Lakh), working capital (₹3 Lakh). Loan tenure: 7 years, interest rate ~11% p.a. (reducing). Monthly EMI: ₹23,115. DSCR should be >1.5; based on projected net profit of ₹4.5 Lakh/year, DSCR ≈ 1.8. The report includes depreciation, tax, and repayment schedule. Collateral: CGTMSE cover (no tangible security). Processing fee: ~0.5-1% of loan amount. Subsidy (if PMEGP): 15% for general, 25% for SC/ST/women, capped at ₹10 Lakh.
KYC: Aadhaar, PAN, voter ID. Business proof: Shop rental agreement or ownership, trade license, GST registration (if applicable). Financial: 3-year projected financials (P&L, balance sheet, cash flow), CMA data, DSCR calculation. Bank statements of last 6 months (personal & business if any). Quotations for furniture, equipment, inventory. For CGTMSE: no collateral documents; for PMEGP: project report, training certificate, caste certificate (if claiming subsidy). Additional: IT returns (if any), credit report (CIBIL). The project report should be prepared by a CA or approved consultant to ensure bank compliance.
Every report is formatted to the exact standards required by Indian banks and government departments.
Create your account in 30 seconds — no credit card needed.
Enter applicant details, select the scheme, set your loan amount.
Our AI drafts the full report with financials, projections, and CMA data in under 60 seconds.
Export PDF on the free plan (branded). Upgrade for clean exports plus Word (.docx) + Excel (.xlsx). Submit to bank or DIC office.
Financing structured for a ₹15 Lakh cosmetics shop: margin, term loan & EMI.
Scheme-ready for MUDRA Kishor, MUDRA Tarun, CGTMSE.
Exact means of finance, CMA, DSCR ≥ 1.50 in the generated report.
Change the amount or city anytime and re-download.
Word + Excel exports; first report free, clean export ₹499.
Indicatively ≈ ₹23,115/month on the ~₹13.5 Lakh term-loan portion (at 11% over 7 years), with ~₹1.5 Lakh promoter margin. The report computes exact figures.
Banks typically expect ~10% margin — about ₹1.5 Lakh for a ₹15 Lakh project — plus any scheme subsidy.
MUDRA Kishor, MUDRA Tarun, CGTMSE fit this range. The report is configured to your chosen scheme.
Yes, under CGTMSE, loans up to ₹2 Cr are collateral-free. For ₹15 Lakh, you can avail a term loan without tangible security. The scheme covers up to 85% of the loan amount. Banks may still require a personal guarantee. MUDRA Tarun (up to ₹10 Lakh) also does not require collateral. Ensure your project report includes CGTMSE coverage details.
The EMI is approximately ₹23,115 per month. This is calculated using the reducing balance method. Total interest payable over 7 years is about ₹5.9 Lakh, making the total repayment ₹19.4 Lakh. Your project report should show that net profit covers at least 1.5 times the EMI (DSCR >1.5).
Yes, PMEGP provides subsidy of 15% (general category) to 35% (SC/ST/women/ex-servicemen) of the project cost, subject to a maximum of ₹10 Lakh. For a ₹15 Lakh project, the subsidy would be ₹2.25 Lakh (general) or ₹5.25 Lakh (reserved). However, the shop must be in a non-service sector (manufacturing) to qualify; retail cosmetics may not be eligible. Check with your local KVIC.
Step 1: Prepare a project report with CMA data, 5-year projections, and DSCR. Step 2: Visit a bank (PSU or private) that offers MUDRA loans. Step 3: Submit application form, project report, KYC, and business documents. Step 4: Bank evaluates creditworthiness and sanctions loan. Step 5: Sign agreement, pay margin money (₹1.5 Lakh), and loan is disbursed. Processing time: 2-4 weeks.