A ₹2 Crore Kirana Store project report is essential for securing a bank loan or government subsidy under schemes like MUDRA (Shishu/Kishor) or CGTMSE. This report typically includes a detailed project cost breakdown (e.g., ₹20 Lakh promoter margin, ₹1.80 Cr term loan), CMA data, Debt Service Coverage Ratio (DSCR) analysis, and 5-year financial projections. For a Kirana Store (NIC 47110) targeting urban or semi-urban areas, the report demonstrates viability, repayment capacity (EMI ≈₹3,08,204/month at 11% over 7 years), and compliance with scheme guidelines. A bank-ready project report minimizes rejection risk and helps entrepreneurs or CAs present a professional case to lenders.
For a ₹2 Cr Kirana Store, MUDRA Shishu (up to ₹50,000) or Kishor (₹50,001–₹5 Lakh) are too small; instead, opt for MUDRA Tarun (up to ₹10 Lakh) or CGTMSE (collateral-free loan up to ₹2 Cr). CGTMSE covers default up to 85% for loans ≤₹2 Cr, making it ideal. Eligibility: Indian citizen, 18+ years, viable business plan, and good CIBIL score (≥700). No collateral required under CGTMSE. For Stand-Up India (SC/ST/women), loan up to ₹1 Cr is available. PMEGP offers subsidy up to 35% (₹1.05 Cr max subsidy) for manufacturing, but Kirana retail may qualify as 'other' with 25% subsidy (₹50 Lakh max). Verify with local bank branch.
Total project cost: ₹2 Cr. Promoter margin: ₹20 Lakh (10%). Term loan: ₹1.80 Cr (90%). Use of funds: ₹1.20 Cr for inventory (groceries, staples, FMCG), ₹40 Lakh for store renovation/equipment (shelving, billing system, cold storage), ₹20 Lakh for working capital (utilities, salaries), ₹20 Lakh for contingency. Loan tenure: 7 years (84 months). Interest rate: ~11% p.a. (MCLR + spread). Monthly EMI: ₹3,08,204. DSCR should be ≥1.25; assume net profit ₹36 Lakh/year → DSCR ≈1.45. Repayment starts after 3–6 month moratorium. Ensure CMA data shows adequate cash flow.
KYC: Aadhaar, PAN, Voter ID. Business proof: Shop Act license, GST registration, trade license. Financials: Last 3 years ITR (if existing), projected P&L and balance sheet for 5 years, CMA data. Bank statements (last 6–12 months). Project report: Detailed feasibility study with market analysis (competition, demand), SWOT, and repayment schedule. For CGTMSE: No collateral documents, but submit CGTMSE cover application. For PMEGP: Project profile, land/building documents, and subsidy application. Ensure all documents are self-attested and notarized where required.
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 ₹2 Crore kirana store: margin, term loan & EMI.
Scheme-ready for MUDRA Shishu, MUDRA Kishor, 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 ≈ ₹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.
MUDRA Shishu, MUDRA Kishor, CGTMSE fit this range. The report is configured to your chosen scheme.
Yes, under CGTMSE, loans up to ₹2 Cr are collateral-free. The government guarantees 85% of the default amount. You need a strong project report, good credit score, and viable cash flow. Banks may still ask for personal guarantee.
The EMI is approximately ₹3,08,204 per month. Use formula: EMI = P * r * (1+r)^n / ((1+r)^n - 1), where P=₹1,80,00,000, r=11%/12=0.009167, n=84. Total interest payable over 7 years is about ₹78.9 Lakh.
MUDRA Shishu/Kishor/Tarun max loan is ₹10 Lakh, so not suitable for ₹2 Cr. However, you can use MUDRA for a smaller component (e.g., ₹10 Lakh for working capital) and rest as term loan under CGTMSE. Alternatively, apply under PMEGP for subsidy.
For retail trade (Kirana), PMEGP subsidy is 25% of project cost for general category (max ₹50 Lakh) and 35% for special categories (SC/ST/OBC/women/minorities) up to ₹1.05 Cr. For ₹2 Cr project, subsidy would be ₹50 Lakh (general) or ₹70 Lakh (special). However, PMEGP loan limit is ₹50 Lakh for service/retail, so you may need to split the project.