Indicative ₹2 Lakh 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 a ₹2 lakh loan, a bank-ready project report is the cornerstone of approval. This page details a project report tailored to NIC 23921 (manufacture of non-clay bricks), with a promoter margin of ₹20,000, term loan of ₹1.8 lakh, and EMI of ₹3,082/month at 11% over 7 years. The report includes CMA data, DSCR projections, and 5-year financial projections—essential for banks to assess viability. It also covers eligibility under PMEGP (up to 35% subsidy for general category), MUDRA Tarun (for loans up to ₹10 lakh), and CGTMSE (collateral-free coverage up to ₹2 crore). Whether you're in a rural or urban area, this report helps you present a professional case to lenders, saving time and increasing approval chances.
To qualify for a ₹2 lakh brick manufacturing loan, the applicant must be an Indian citizen above 18 years with a viable business plan. Under PMEGP, general category entrepreneurs get 25% subsidy (₹50,000) and special categories 35% (₹70,000), with margin money adjusted accordingly. MUDRA Tarun covers loans from ₹50,000 to ₹10 lakh for non-farm income-generating activities, requiring no collateral if under CGTMSE. CGTMSE guarantees up to 85% of the loan amount for loans up to ₹5 lakh, reducing bank risk. For brick manufacturing, land or lease agreement, pollution clearance (if applicable), and a project report with CMA data are mandatory. The project report must demonstrate a DSCR above 1.25 and positive net worth.
The total project cost is ₹2,00,000. Promoter's contribution is ₹20,000 (10%), and the term loan is ₹1,80,000 (90%). The loan is repayable over 7 years at an assumed 11% p.a. reducing balance, resulting in an EMI of ₹3,082. The fund utilization includes: ₹1,20,000 for brick molding machine (manual or semi-automatic), ₹30,000 for raw materials (clay, fly ash, cement), ₹25,000 for working capital (fuel, electricity, labor), ₹15,000 for site preparation, and ₹10,000 for contingencies. The project report should include a CMA statement showing 5-year projected sales, cost of goods sold, gross profit, net profit, and cash flow. Break-even is typically achieved by month 8, with annual net profit of ₹1.5–2 lakh after year 2.
For a ₹2 lakh brick manufacturing loan, prepare: (1) KYC documents: Aadhaar, PAN, voter ID, passport-size photos. (2) Business proof: GST registration (if turnover > ₹40 lakh), Udyam registration (MSME certificate), and trade license. (3) Land documents: lease agreement or ownership proof, with NOC from local authority if needed. (4) Project report: detailed with CMA data, DSCR calculation, balance sheet projections, and repayment schedule. (5) Quotations for machinery and raw materials. (6) For PMEGP: application through KVIC portal, plus project profile and margin money proof. (7) For MUDRA: simple application form with business plan. Ensure all documents are self-attested. A CA-prepared report increases credibility.
Step 1: Register your business as MSME on Udyam portal (free). Step 2: Prepare a project report using a template or hire a CA. Step 3: For PMEGP, apply online at kviconline.gov.in with project report and margin money (₹20,000). The application is forwarded to district task force for approval. Step 4: Alternatively, apply directly to a bank under MUDRA Tarun—visit the nearest branch with project report and documents. Step 5: Bank evaluates credit score, project viability, and collateral (if required). For loans up to ₹2 lakh, collateral is usually waived under CGTMSE. Step 6: After sanction, sign loan agreement and submit post-dated cheques or ECS mandate. Step 7: Disbursement happens in one go or in tranches. Step 8: Claim PMEGP subsidy after loan disbursement—bank adjusts margin money. Total time: 2–4 weeks.
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Financing structured for a ₹2 Lakh 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 ≈ ₹3,082/month on the ~₹1.8 Lakh term-loan portion (at 11% over 7 years), with ~₹20,000 promoter margin. The report computes exact figures.
Banks typically expect ~10% margin — about ₹20,000 for a ₹2 Lakh project — plus any scheme subsidy.
PMEGP, CGTMSE, MUDRA Tarun fit this range. The report is configured to your chosen scheme.
The EMI is approximately ₹3,082 per month. This is calculated using the reducing balance method: principal ₹1,80,000 (after margin), interest rate 11% p.a., tenure 84 months. Total interest payable over 7 years is about ₹78,888, making total repayment ₹2,58,888.
Yes, under PMEGP, you can get a capital subsidy of 25% (general) or 35% (special categories) of the project cost, capped at ₹10 lakh. For a ₹2 lakh project, subsidy is ₹50,000 or ₹70,000, which reduces your margin money requirement. The subsidy is credited to your loan account after disbursement.
No collateral is required if the loan is covered under CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises). Loans up to ₹5 lakh are eligible for 85% guarantee coverage, making banks comfortable without security. However, you may need to provide a personal guarantee.
Under MUDRA, processing takes 7–15 days after submission of complete documents. For PMEGP, it may take 3–4 weeks due to district-level committee approval. Ensure your project report is bank-ready to avoid delays.