This page provides a comprehensive project report for a Kirana Store requiring a ₹25 Lakh bank loan. Designed for entrepreneurs in any Indian state, the report includes detailed financial projections, CMA data, DSCR calculations, and 5-year cash flow statements. For a Kirana Store under NIC code 47110, the project cost is ₹25 Lakh with a promoter margin of ₹2.5 Lakh (10%) and a term loan of ₹22.5 Lakh. The loan is repayable over 7 years at an assumed interest rate of 11% p.a., resulting in an EMI of approximately ₹38,525 per month. This report is essential for loan applications under MUDRA Shishu (up to ₹50,000), MUDRA Kishor (₹50,001 to ₹5 Lakh), or CGTMSE (for loans above ₹10 Lakh without collateral). It also covers eligibility for PMEGP subsidy and other state-specific schemes. A bank-ready project report increases approval chances and helps in negotiating better terms.
To qualify for a ₹25 Lakh loan for a Kirana Store under MUDRA or CGTMSE, the applicant must be an Indian citizen aged 18–65 years. The business should be a sole proprietorship, partnership, or private limited company. For MUDRA Shishu (up to ₹50,000) and Kishor (₹50,001–₹5 Lakh), no collateral is required. For loans above ₹10 Lakh, CGTMSE provides collateral-free coverage up to ₹2 Crore. The promoter must contribute at least 10% of the project cost (₹2.5 Lakh) as margin money. The business should have a viable location with good footfall, preferably in a residential or market area. Existing businesses with 1–2 years of ITR are preferred, but new ventures are also eligible with a strong project report. The applicant should not have defaulted on any previous loan.
The total project cost for a Kirana Store is ₹25 Lakh. The financing structure includes: Promoter's Contribution: ₹2.5 Lakh (10%), Term Loan from Bank: ₹22.5 Lakh (90%). The loan tenure is 7 years at an interest rate of 11% p.a. (indicative). The EMI works out to ₹38,525 per month. The fund utilization is as follows: Shop Renovation & Interior: ₹5 Lakh, Furniture & Fixtures (shelves, racks, counter): ₹3 Lakh, Refrigeration Equipment (deep freezer, refrigerator): ₹4 Lakh, POS System & Billing Software: ₹1 Lakh, Initial Inventory (groceries, staples, snacks, beverages): ₹10 Lakh, Working Capital (for 2 months): ₹2 Lakh. The project report includes detailed CMA data, DSCR (minimum 1.25), and 5-year projected profit & loss, balance sheet, and cash flow statements.
For a ₹25 Lakh Kirana Store loan, the bank typically requires: 1. KYC documents (Aadhaar, PAN, Voter ID) of the applicant and co-applicant. 2. Business proof: Shop and Establishment Act certificate, GST registration (if applicable), trade license. 3. Financial documents: Last 2 years' ITR (if existing business), projected financials for 5 years (included in project report). 4. Property documents: Rent agreement or ownership proof of the shop premises. 5. Quotations for equipment and renovation. 6. Caste certificate (if applying under PMEGP or other subsidy schemes). 7. Bank statement of last 6 months (personal and business). 8. Project report with CMA data, DSCR calculation, and repayment schedule. Ensure all documents are self-attested and organized in a file for submission.
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Financing structured for a ₹25 Lakh 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.
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Indicatively ≈ ₹38,525/month on the ~₹22.5 Lakh term-loan portion (at 11% over 7 years), with ~₹2.5 Lakh promoter margin. The report computes exact figures.
Banks typically expect ~10% margin — about ₹2.5 Lakh for a ₹25 Lakh project — plus any scheme subsidy.
MUDRA Shishu, MUDRA Kishor, CGTMSE fit this range. The report is configured to your chosen scheme.
Yes, under CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises), loans up to ₹2 Crore are collateral-free. For a ₹25 Lakh loan, CGTMSE coverage is available. However, the bank may still require a personal guarantee from the promoter. MUDRA loans up to ₹10 Lakh are also collateral-free. So you can get the loan without pledging any asset.
Assuming an interest rate of 11% p.a. and a tenure of 7 years (84 months), the EMI is approximately ₹38,525 per month. This is calculated using the formula: EMI = P x R x (1+R)^N / [(1+R)^N-1], where P=22,50,000, R=11%/12=0.009167, N=84. The total interest payable over 7 years is about ₹10.76 Lakh.
Yes, under PMEGP (Prime Minister's Employment Generation Programme), you can get a subsidy of 15% to 35% of the project cost (up to ₹25 Lakh). For general category, subsidy is 15% (₹3.75 Lakh); for SC/ST/OBC/women, it is 25% (₹6.25 Lakh). Additionally, state-specific schemes like Mukhyamantri Yuva Swavalamban Yojana in Gujarat or other state MSME policies may offer capital subsidies or interest subvention.
Banks typically require a Debt Service Coverage Ratio (DSCR) of at least 1.25 for term loans. For a Kirana Store with a ₹25 Lakh loan, the project report should show a DSCR above 1.25 based on projected net profit and depreciation. A higher DSCR (e.g., 1.5) improves loan approval chances. The DSCR is calculated as (Net Profit + Depreciation + Interest) / (Principal Repayment + Interest).