Indicative ₹2 Crore financing for a brick manufacturing + a full bank-ready report with CMA data, DSCR ≥ 1.50 and 5-year projections.
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For a brick manufacturing unit requiring ₹2 Crore funding, a bank-ready project report is essential. This page details a project for setting up a brick kiln (NIC 23921) with a total cost of ₹2 Crore, including promoter margin of ₹20 Lakh and term loan of ₹1.80 Crore. The report includes CMA data, DSCR calculations, and 5-year financial projections, ensuring compliance with PSB and private bank norms. Schemes like PMEGP (subsidy up to ₹50 Lakh), CGTMSE (collateral-free loan up to ₹2 Crore), and MUDRA Tarun (up to ₹10 Lakh) may apply. This report helps entrepreneurs and CAs present a credible case to lenders, covering project viability, repayment capacity, and subsidy eligibility.
MSME brick units are eligible under PMEGP (subsidy 15-25% for general category, 25-35% for special categories, max ₹50 Lakh), CGTMSE (collateral-free loan up to ₹2 Crore with credit guarantee cover), and MUDRA Tarun (up to ₹10 Lakh). For a ₹2 Crore project, PMEGP subsidy can reduce promoter contribution. Banks typically require a minimum 10% margin (₹20 Lakh here). The project must comply with pollution norms (Consent to Operate from State Pollution Control Board).
Total project cost: ₹2 Crore. Land & site development: ₹30 Lakh (assumed owned or leased), Plant & machinery (brick kiln, clay mixer, moulding machine): ₹1.20 Crore, Working capital (raw clay, coal, labour): ₹40 Lakh, Pre-operative expenses: ₹10 Lakh. Promoter margin: ₹20 Lakh (10%), Term loan: ₹1.80 Crore (90%). Repayment over 7 years at 11% p.a. yields EMI of ₹3,08,204. DSCR should be above 1.5; typical brick units achieve 1.8-2.0.
For a ₹2 Crore brick project, submit: KYC of promoters (Aadhaar, PAN), business plan with 5-year projections, land documents (title deed, lease agreement), pollution clearance, project report (CMA format), machinery quotes, partnership/company registration, GST registration, and bank statements (last 6 months). CGTMSE requires no collateral but needs guarantee fee payment. PMEGP needs district-level application and training certificate.
1. Prepare project report with CMA data and DSCR. 2. Apply to PSB (SBI, PNB) or regional rural bank under PMEGP or standard MSME loan. 3. Submit documents and pay processing fee. 4. Bank appraisal (1-2 weeks). 5. Sanction letter with terms. 6. Submit collateral documents (if not CGTMSE). 7. Disbursement in stages (equity first, then term loan). 8. Start production. PMEGP subsidy is released after project completion.
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Financing structured for a ₹2 Crore brick manufacturing: margin, term loan & EMI.
Scheme-ready for PMEGP, CGTMSE, MUDRA Tarun.
Exact means of finance, CMA, DSCR ≥ 1.50 in the generated report.
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Indicatively ≈ ₹3,08,204/month on the ~₹1.80 Cr term-loan portion (at 11% over 7 years), with ~₹20 Lakh promoter margin. The report computes exact figures.
Banks typically expect ~10% margin — about ₹20 Lakh for a ₹2 Crore project — plus any scheme subsidy.
PMEGP, CGTMSE, MUDRA Tarun fit this range. The report is configured to your chosen scheme.
At 11% p.a. for 7 years, monthly EMI is approximately ₹3,08,204. This assumes a term loan of ₹1.80 Crore. Actual EMI may vary based on bank rate and repayment schedule.
Yes, brick manufacturing is eligible under PMEGP. Subsidy is 15-25% of project cost for general category (max ₹50 Lakh) and 25-35% for SC/ST/OBC/women. For a ₹2 Cr project, subsidy can be up to ₹50 Lakh, reducing your margin requirement.
Under CGTMSE, loans up to ₹2 Crore are collateral-free. However, banks may still ask for personal guarantee. Without CGTMSE, collateral (land or property) worth 100% of loan amount is typically required.
Banks look at DSCR (minimum 1.5), Debt-Equity ratio (ideally 3:1), and Current Ratio (above 1.2). The project report should show DSCR of 1.8+ and net profit margin of 15-20%.