Create a bank-ready Detailed Project Report for retail & wholesale trade units in Rajasthan — composite term loan + working capital, inventory-led projections, and DSCR — framed around the state policy’s focus on credit access (CGTMSE), interest subvention for new micro enterprises, insurance, digital onboarding, and ease of doing business. Official policy PDF published on the RISING Rajasthan portal.
राजस्थान व्यापार संवर्धन नीति 2025 — पूर्ण प्रोजेक्ट रिपोर्ट
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The Rajasthan Trade Promotion Policy 2025 (published by the Department of Industries & Commerce, Government of Rajasthan) supports a modern, inclusive trade ecosystem: retailers, wholesalers, e-commerce–linked traders, and establishments in malls, high streets, and local markets — with explicit alignment to MSME/Udyam classification for retail and wholesale trade. The policy is in force until 31 March 2029 and excludes listed negative sectors (e.g. automobile dealers, fuel/petrol pumps, liquor, polythene carry bags below 20 microns, and other prohibited activities). Financial benefits in the notification are structured around bank / RBI-regulated lenders — including CGTMSE guarantee coverage, reimbursement of part of the CGTMSE guarantee fee for eligible new micro traders, graded interest subvention on composite loans for new micro enterprises, insurance premium support for micro retailers, and digital enablement — subject to detailed guidelines issued by the department. Full text: https://rising.rajasthan.gov.in/storage/app/public/files/pdf/rajasthan-trade-promotion-policy-2025.pdf
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Explains composite term loan + working capital suitable for inventory-heavy trade DPRs
Separates trading gross margins from manufacturing in AI financials
Leaves capital subsidy at 0% in the model — matching the policy’s emphasis on interest subvention, fees, and reimbursements rather than capital grant
Hindi + English narrative for Shops & Establishment / trade–sector submissions
Export Word / PDF / Excel for consultants preparing bank files under Industries & Commerce–led initiatives
The Government of Rajasthan hosts the notification PDF on the RISING Rajasthan website. Direct link used for this summary: https://rising.rajasthan.gov.in/storage/app/public/files/pdf/rajasthan-trade-promotion-policy-2025.pdf. Cred paraphrases scheme mechanics for report drafting; always verify numbers against the gazette and department circulars.
The published policy emphasises CGTMSE-linked guarantee fee support, interest subvention on composite loans, insurance premium reimbursement, digital fee support, and capacity building — not a generic capital subsidy percentage on plant & machinery like some other schemes. Your DPR should still show project cost and means of finance clearly for the bank.
CGTMSE coverage is described up to ₹10 crore for eligible facilities; the state’s guarantee-fee reimbursement is described for loans up to ₹5 crore for eligible new micro trading enterprises. Interest subvention slabs in the policy are stated up to ₹2 crore. Enter the amount your bank is processing; use Loan Details for rate and tenure.
The policy lists a negative list including automobile dealers & wholesalers, fuel trading including petrol pumps, liquor trading, polythene carry bags below 20 microns, and any sector prohibited by government — your unit must not fall in these categories to claim policy benefits.
The Department of Industries & Commerce is the nodal department; the Office of the Commissioner, Industries & Commerce, Rajasthan implements the scheme, with oversight by the State Level Empowered Committee. Detailed application modalities are released separately by the department.