MUDRA Kishor is a flagship loan scheme under Pradhan Mantri MUDRA Yojana (PMMY) for enterprises requiring funding between ₹5 lakh and ₹10 lakh. It is designed for small businesses in manufacturing, trading, or services that have progressed beyond the startup stage. A bank-ready project report is critical for approval—it demonstrates viability, repayment capacity, and compliance. The report must include CMA (Credit Monitoring Arrangement) data, Debt Service Coverage Ratio (DSCR) analysis, and 5-year financial projections (profit & loss, balance sheet, cash flow). It should also detail the project cost (e.g., machinery, working capital), margin money (10% of loan), and collateral-free coverage under CGTMSE. For 2025, the scheme offers an interest subvention of 1% on timely repayment for women entrepreneurs. A well-structured report speeds up sanction and reduces queries. Use our free generator to create a format-compliant report instantly.
Any individual, sole proprietor, partnership firm, private limited company, or Hindu Undivided Family (HUF) engaged in non-farm income-generating activities is eligible. The borrower must have a viable business plan and not be a defaulter to any bank or financial institution. The loan amount ranges from ₹5,00,001 to ₹10,00,000. For manufacturing units, the investment in plant & machinery should not exceed ₹10 lakh (as per MSME definition). The business must be operational for at least 6 months (or have a project report for new ventures). Priority is given to women, SC/ST, and OBC entrepreneurs. No collateral is required under CGTMSE coverage, but the borrower must contribute 10% margin money.
The total project cost for MUDRA Kishor typically includes capital expenditure (machinery, equipment, furniture) and working capital (raw material, salaries, overheads for 1-2 cycles). Banks finance up to 90% of the project cost, with the borrower bringing 10% as margin money. For example, a ₹8 lakh project would require ₹80,000 from the borrower and a loan of ₹7.2 lakh. The loan is repaid in 3-5 years with a moratorium of up to 6 months. Interest rates are linked to the bank’s MCLR, usually 9-13% per annum. Women borrowers get a 0.5% concession under some banks. Processing fees are waived for loans up to ₹10 lakh under PMMY. The project report must clearly show the source of margin money and the viability of repayment.
Key documents: Aadhaar, PAN, business address proof, GST registration (if applicable), bank statement for 6 months, and existing loan statements (if any). The project report must follow a standard format: executive summary, promoter details, project cost, means of finance, CMA data (including current ratio, debt-equity ratio), DSCR calculation (minimum 1.25), 5-year financial projections, and break-even analysis. For trading businesses, include stock turnover ratio; for manufacturing, include capacity utilization. The report should also cover market analysis, competition, and risk mitigation. Banks often reject reports that lack realistic assumptions. Use our free generator to auto-fill CMA and DSCR based on your inputs, ensuring compliance with SIDBI and bank norms.
Every report is formatted to the exact standards required by Indian banks and government departments.
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Bankable financials: CMA, DSCR ≥ 1.50, P&L, Balance Sheet, Cash Flow.
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It includes promoter profile, business description, project cost & means of finance, machinery, working capital, 5-year financial projections, CMA data and DSCR — exactly as banks and the DIC require under MUDRA Kishor.
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Yes — ₹50K–₹5L is computed and shown in the means of finance and subsidy sections.
The MUDRA Kishor loan amount ranges from ₹5,00,001 to ₹10,00,000. Loans below ₹5 lakh fall under MUDRA Shishu (up to ₹50,000) or MUDRA Tarun (₹50,001 to ₹5 lakh). The Kishor category is specifically for businesses that need higher working capital or expansion funds.
Yes, the government provides a 1% interest subvention on timely repayment for women entrepreneurs under the PMMY scheme. Some state governments offer additional subsidies (e.g., 5% capital subsidy in Uttar Pradesh for women). However, there is no direct capital subsidy like PMEGP. The interest subvention is credited to the borrower's account annually.
No, a project report is mandatory for loans above ₹5 lakh. Banks require a detailed report to assess the business viability and repayment capacity. Without it, the application will be rejected. You can prepare it yourself using our free generator, which creates a bank-ready report with CMA and DSCR in minutes.
The Debt Service Coverage Ratio (DSCR) should be at least 1.25 for MUDRA Kishor loans. This means the net operating income must be 1.25 times the total debt obligations (principal + interest). A higher DSCR (e.g., 1.5) improves approval chances. The project report must calculate DSCR for each year of the loan term.