Arjun Srivastava Kanpur ke Naveen Market mein kisi ki dukan pe 5 saal se kaam karta tha.
Haath mein kamaal tha. iPhone 13 ka OLED screen replace karo, Samsung Galaxy ka charging port jam ho gaya toh 20 minute mein theek, OnePlus ka boot loop issue — jahan doosre technician hand up kar dete, Arjun wahan baith ke solve karta. Owner ke regular customers bhi specifically Arjun ke liye time lekar aate the.
Salary thi Rs.14,000 per month. 5 saal baad bhi.
Ek din ek customer ne puchha — “Bhai, apni dukan kyun nahi kholte?” Arjun ne hisaab lagaya. Proper setup ke liye Rs.1.5 lakh chahiye. Haath mein sirf Rs.28,000 the.
Usi raat usne search kiya — “mobile repair shop ke liye loan kaise milega.”
Mudra Kishor loan ka pata chala. SBI Naveen Market branch gaya — project report leke — jo usne mudraready.in se Rs.399 mein 10 minute mein banayi thi. 22 din baad Rs.1.5 lakh account mein aaye.
Aaj Arjun ki apni dukan hai. Naveen Market ke pehli gali mein — “Arjun Mobile Care” likha hua yellow board pe. Mahine mein Rs.52,000 net aata hai. EMI Rs.3,261 nikalta hai. Baaki sab uska.
5 saal kisi aur ke liye kaam kiya. 22 din mein apna kuch ban gaya.
Yeh post unhi ke liye hai jo aaj Arjun ki jagah hain — skill hai, customers jaante hain, lekin apna setup nahi hai.
Is post mein cover karenge:
✅ Mobile repair ke liye konsi scheme best hai — Mudra ya PMEGP ya CGTMSE — aur kyun
✅ Kitna loan milega — Shishu, Kishor, Tarun — real numbers ke saath
✅ EMI kitni padegi — Rs.50,000 se Rs.5 lakh tak
✅ Sabhi schemes ka ek comparison table — kaunsa aapke liye eligible hai
✅ SC/ST aur women ke liye extra benefits — jo koi nahi batata
✅ Documents ki poori list — ek bhi miss mat karo
✅ Project report kyun sabse important hai — aur sahi kaise banate hain
✅ Konsi bank fast approve karti hai mobile repair ke liye
✅ Step by step apply karne ka process
✅ Real income figures — realistic, inflated nahi
✅ DSCR calculation — live example ke saath
✅ 12 most asked sawaalon ke jawab
Quick Answer — Mobile Repair Shop Loan 2026
✅ Sabse fast option — Mudra Kishor — Rs.50,001 se Rs.5 lakh — 2-3 hafte mein
✅ Subsidy chahiye — PMEGP — 25-35% free — sirf naye setup ke liye
✅ SC/ST ya Women — Rs.10 lakh se upar — Stand Up India — reserved quota
✅ Collateral — kuch nahi — CGTMSE guarantee Rs.10 lakh tak cover karta hai
✅ Project report — Rs.399 mein 10 minute mein — mudraready.in
Is Post Mein Kya Milega:
✅ Sabhi schemes ka comparison — Mudra, PMEGP, CGTMSE, Stand Up India — ek table mein
✅ SC/ST aur women ke liye scheme-wise extra benefits
✅ EMI calculator — Rs.50K se Rs.5 lakh tak — real numbers
✅ Mobile repair shop kholne ka actual cost — item wise
✅ Documents checklist — bank counter pe koi surprise nahi
✅ DSCR calculation — live example
✅ Bank comparison — konsi fast hai mobile repair ke liye
✅ Step by step apply process
✅ 12 FAQ
Table of Contents
- Mobile Repair India Mein — Market Kitna Bada Hai
- Sabhi Schemes Ka Comparison — Kaunsa Aapke Liye Sahi Hai
- Mudra Loan — Mobile Repair Ke Liye Kitna Milega
- PMEGP — Naye Setup Pe 35% Subsidy
- CGTMSE — Bade Loan Ke Liye Collateral-Free Option
- SC/ST Aur Women — Extra Benefits Jo Koi Nahi Batata
- Mobile Shop Kholne Mein Kitna Paisa Chahiye — Real Breakdown 2026
- EMI Calculator — Rs.50,000 Se Rs.5 Lakh Tak
- Documents Ki Poori List
- Project Report Kyun Sabse Important Hai
- Konsi Bank Fast Approve Karti Hai
- Apply Karne Ka Process — Step By Step
- Real Income — Mobile Repair Se Actually Kitna Milega
- DSCR Calculation — Live Example
- FAQ — 12 Sawaal Jo Sabse Zyada Poochhe Jaate Hain
- Conclusion
Mobile Repair Shop India Mein — Market Kitna Bada Hai
Pehle ek number — April 2026 mein India mein 128 crore se zyada wireless subscribers hain. Source: TRAI Telecom Subscription Report, April 2026.
128 crore phones. Sab tootenge. Screen crack hogi. Battery drain hogi. Charging port jam hoga.
India ka mobile repair market 2025 mein Rs.15,000 crore se upar tha aur har saal badh raha hai. Wajah simple — naye smartphones Rs.15,000 se Rs.1,20,000 tak ke hain. Rs.600 mein battery change karwana Rs.20,000 ka naya phone khareedne se zyada samajhdaari hai.
Aur sabse badi baat — mudra.org.in ke official approved business categories mein mobile aur electronics repair services explicitly listed hain. Government chahti hai ki aap yeh business karein. Loan dene ke liye ready hai.
Sabhi Schemes Ka Comparison — Kaunsa Aapke Liye Sahi Hai
Mobile repair shop ke liye 4 main government schemes hain. Sabka kaam alag hai. Ek table mein samajh lo — phir decide karo:
| Feature | Mudra Loan | PMEGP | CGTMSE | Stand Up India |
|---|---|---|---|---|
| Maximum Amount | Rs.20 lakh (Tarun Plus tak) | Rs.20 lakh (service sector) | Rs.5 crore | Rs.1 crore |
| Subsidy Milti Hai? | Nahi — loan hai | Haan — 15-35% free | Nahi — guarantee hai | Nahi — loan hai |
| Wapas Karna Hai? | Haan — EMI | Loan wapas — subsidy free | Haan — EMI | Haan — EMI |
| Naya Business | Haan | Sirf naya business | Naya ya existing dono | Sirf naya business |
| Existing Business | Haan | Nahi | Haan | Nahi |
| Collateral | Kuch nahi (Rs.10L tak) | Kuch nahi | Kuch nahi (guarantee scheme) | Primary security of assets |
| SC/ST ke liye | 85% CGTMSE guarantee | 35% subsidy (rural) | Enhanced coverage | Reserved quota — har branch pe |
| Women ke liye | Priority processing | 35% subsidy (rural) | Enhanced coverage | Reserved quota — har branch pe |
| Processing Time | 2-3 hafte | 2-4 mahine | 3-5 hafte | 6-16 hafte |
| Kaun Eligible Nahi | Non-farm enterprises only | Existing business | Koi restriction nahi | General category male |
| Apply Kahan | Any bank/NBFC — jansamarth.in | kviconline.gov.in/pmegpeportal | Bank ke through | Scheduled commercial bank |
| Mobile Repair Eligible? | ✅ Haan | ✅ Haan — service sector | ✅ Haan | ✅ SC/ST ya women ke liye |
Seedha guide — aapki situation ke hisaab se:
Pehli baar setup, jaldi chahiye → Mudra Kishor — 2-3 hafte
Naya setup, subsidy chahiye, 3 mahine wait ho sakta → PMEGP — 15-35% free
Rs.5 lakh se zyada chahiye, existing business → CGTMSE-backed bank loan
SC/ST ya women, Rs.10L se Rs.1 crore chahiye → Stand Up India
Best combination jo Arjun ne use kiya:
Mudra Kishor (Rs.1.5 lakh, 22 din) = fastest route to own shop.
Mudra Loan — Mobile Repair Ke Liye Kitna Milega
Mudra loan mobile repair ke liye India ka sabse popular aur fastest option hai.
mudra.org.in ke FY 2024-25 annual report ke according, 5.4 crore se zyada Mudra loan accounts khole gaye — total disbursement Rs.4.76 lakh crore. Yeh scheme genuinely kaam karti hai.
Mudra loan tiers — mobile repair ke liye:
| Category | Loan Amount | Best For | Processing Time |
|---|---|---|---|
| Mudra Shishu | Rs.50,000 tak | Ghar se basic repair, kuch tools | 1-2 hafte |
| Mudra Kishor | Rs.50,001 se Rs.5 lakh | Proper dukan — tools + stock + rent | 2-3 hafte |
| Mudra Tarun | Rs.5 lakh se Rs.10 lakh | Advanced service centre, multiple staff | 3-4 hafte |
| Mudra Tarun Plus | Rs.10 lakh se Rs.20 lakh | Repeat borrowers — scale karna | 4-5 hafte |
Collateral: Rs.10 lakh tak koi property nahi girvee rakhni — government ka CGTMSE scheme bank ko guarantee cover deta hai.
Arjun ne Mudra Kishor liya — Rs.1.5 lakh. 22 din mein. Bina ek bhi rupye ki property ke.
PMEGP — Naye Setup Pe 35% Subsidy
Agar aap naya mobile repair shop shuru karne ka plan kar rahe ho — existing nahi — aur 2-3 mahine wait kar sakte ho — toh PMEGP financially Mudra se zyada faydamand ho sakta hai.
PMEGP kya deta hai: Government project cost ka 15% se 35% subsidy deti hai — jo kabhi wapas nahi karni. Seedha free money.
Mobile repair shop PMEGP mein eligible hai kyunki yeh service sector business hai. Service sector maximum project cost Rs.20 lakh.
PMEGP subsidy — mobile repair shop — real numbers:
| Category | Location | Project Cost | Subsidy % | Free Amount | Loan Wapas |
|---|---|---|---|---|---|
| General | Urban | Rs.2,00,000 | 15% | Rs.30,000 | Rs.1,55,000 |
| General | Rural | Rs.2,00,000 | 25% | Rs.50,000 | Rs.1,35,000 |
| SC/ST / Women | Urban | Rs.2,00,000 | 25% | Rs.50,000 | Rs.1,35,000 |
| SC/ST / Women | Rural | Rs.2,00,000 | 35% | Rs.70,000 | Rs.1,15,000 |
Agar aap SC/ST ya women category mein ho aur rural area mein dukan kholna chahte ho — Rs.2 lakh ke project pe Rs.70,000 free. Wapas sirf Rs.1.15 lakh.
PMEGP mein ek extra zaroori cheez:
EDP Training Certificate — nearest DIC se 10-15 din ki free entrepreneurship training — disbursement se pehle mandatory hai.
Apply karo: kviconline.gov.in/pmegpeportal
PMEGP ki poori detail: mudraready.in/pmegp-project-report
CGTMSE — Bade Loan Ke Liye Collateral-Free Option
CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) ek guarantee scheme hai — yeh khud loan nahi deti. Yeh bank ko guarantee deti hai ki agar aap EMI nahi bhar sake toh government cover karegi.
Iska matlab aapke liye: Bank Rs.5 crore tak ka loan bina collateral ke de sakta hai — kyunki CGTMSE ne use back kiya hua hai.
Mobile repair ke liye CGTMSE kab relevant hai:
- Rs.5 lakh se zyada chahiye
- Advanced service centre — microsoldering, iPhone board repair
- Existing business ko scale karna hai
- Property girvee nahi rakhni
CGTMSE coverage:
| Category | Coverage % |
|---|---|
| General | 75% |
| Women / SC/ST | 85% |
| NE States / Micro | 85% |
Apply directly bank ke through karo — bank CGTMSE ke saath deal karta hai. Tumhe alag se CGTMSE mein apply nahi karna.
CGTMSE details: mudraready.in/cgtmse-project-report
CGTMSE calculator: mudraready.in/cgtmse-calculator
SC/ST Aur Women — Extra Benefits Jo Koi Nahi Batata
Yeh section bahut important hai — aur zyaadatar guides mein bilkul nahi hota. Agar aap SC, ST, ya women category mein hain — har scheme mein aapke liye extra benefit hai. Dhyan se padho.
Scheme-wise extra benefits — SC/ST aur women ke liye:
| Scheme | General Category | SC/ST Category | Women Category | Fark |
|---|---|---|---|---|
| Mudra Loan | Standard rate 10-12% | 85% CGTMSE guarantee cover | 85% CGTMSE guarantee + priority | Bank zyada confident hoti hai |
| PMEGP Urban | 15% subsidy | 25% subsidy | 25% subsidy | Rs.20,000 extra on Rs.2L project |
| PMEGP Rural | 25% subsidy | 35% subsidy | 35% subsidy | Rs.20,000 extra on Rs.2L project |
| CGTMSE | 75% guarantee | 85% guarantee | 85% guarantee | Better loan sanction chances |
| Stand Up India | Eligible nahi | Reserved quota — har branch pe 1 slot | Reserved quota — har branch pe 1 slot | Compete nahi karna alag se |
| PM Vishwakarma | Eligible nahi (kaariger only) | Agar electronic repair artisan ho — check karo | Agar electronic repair artisan ho — check karo | 5% rate pe Rs.3 lakh |
SC/ST ke liye sabse bada fayda — PMEGP Rural 35%:
Agar aap SC ya ST category mein hain aur kisi town ya village ke bahar ki location pe dukan kholna chahte ho — Rs.2 lakh ke project pe Rs.70,000 bilkul free. Yeh kabhi wapas nahi karna. General category wale ko sirf Rs.30,000 milte hain usi project pe. Fark Rs.40,000 ka — sirf category ki wajah se.
Stand Up India — SC/ST ya Women ke liye dedicated scheme:
Agar aapko Rs.10 lakh se Rs.1 crore chahiye naye mobile service centre ke liye — Stand Up India scheme aapke liye specifically bani hai. Har scheduled commercial bank ki har branch pe ek slot SC/ST ke liye aur ek slot women ke liye reserved hai. Aapko general category ke logon se compete nahi karna.
Interest rate: Base rate + maximum 3%. Tenure: 7 saal tak.
Caste certificate kahan se milega:
Tehsildar office ya district collector office se. Online bhi kai states mein — apne state ke e-district portal pe check karo. SC/ST certificate hona zaroori hai — in schemes mein apply karte waqt attach karna padta hai.
State-level SC/ST schemes — extra layer:
Kai states mein alag se SC Corporation ya Backward Class Finance Corporation hai jo low-interest ya subsidized loans deti hai. Apne state ki SC/ST development corporation se poochho — unke paas often 4-6% interest pe business loans hote hain.
mudraready.in/stand-up-india-project-report — Stand Up India details
mudraready.in/cgtmse-project-report — CGTMSE details
Mobile repair Shop Kholne Mein Kitna Paisa Chahiye — Real Breakdown 2026
Project report mein exactly yahi figures jaani chahiye. Real 2026 numbers:
Level 1 — Ghar Se Ya Corner Kiosk (Rs.55,000 — Rs.85,000)
Mudra Shishu mein cover hota hai.
| Item | Cost (Rs.) |
|---|---|
| Basic tool kit (screwdrivers, pry tools, spudgers) | 5,000-8,000 |
| Basic soldering iron + stand | 3,000-5,000 |
| Second-hand LCD separator machine | 8,000-12,000 |
| Workbench + stool + lighting | 4,000-6,000 |
| Initial spare parts — screens + batteries (common models) | 20,000-30,000 |
| Working capital — first 2 mahine | 10,000-15,000 |
| Signboard + visiting cards | 2,000-4,000 |
| Total | Rs.52,000-80,000 |
Level 2 — Proper Shop — Rent Pe (Rs.1,20,000 — Rs.1,90,000)
Yeh Arjun wala setup. Mudra Kishor Rs.1.5 lakh mein fit.
| Item | Cost (Rs.) |
|---|---|
| Professional tool kit — complete | 12,000-18,000 |
| LCD separator machine (OLED compatible) | 18,000-25,000 |
| Hot air rework station | 8,000-12,000 |
| Soldering station + DC power supply | 8,000-12,000 |
| Ultrasonic cleaner | 5,000-8,000 |
| Counter + glass display case + furniture | 15,000-22,000 |
| LED lighting + signboard | 8,000-12,000 |
| Spare parts stock — broad range | 30,000-45,000 |
| Shop rent deposit — 2 mahine advance | 10,000-20,000 |
| Working capital — first 3 mahine | 12,000-18,000 |
| Total | Rs.1,26,000-1,92,000 |
Level 3 — Advanced Service Centre (Rs.2,50,000 — Rs.4,00,000)
Mudra Kishor maximum Rs.5 lakh tak cover kar sakta hai.
| Item | Cost (Rs.) |
|---|---|
| BGA rework station | 35,000-50,000 |
| Trinocular microscope | 15,000-25,000 |
| iPhone diagnostics tool | 20,000-35,000 |
| Complete advanced tool set | 20,000-30,000 |
| Larger spare parts inventory | 60,000-90,000 |
| Bigger shop setup + branding | 40,000-60,000 |
| Staff salary — 1 helper, 3 mahine | 24,000-36,000 |
| Working capital — robust | 30,000-50,000 |
| Total | Rs.2,44,000-3,76,000 |
EMI Calculator — Rs.50,000 Se Rs.5 Lakh Tak
Loan lene se pehle EMI jaanno. Real numbers — 11% annual interest pe:
| Loan Amount | Tenure | Monthly EMI | Total Interest | Total Repayment |
|---|---|---|---|---|
| Rs.50,000 | 3 saal | Rs.1,635 | Rs.8,860 | Rs.58,860 |
| Rs.1,00,000 | 5 saal | Rs.2,174 | Rs.30,440 | Rs.1,30,440 |
| Rs.1,50,000 | 5 saal | Rs.3,261 | Rs.45,660 | Rs.1,95,660 |
| Rs.2,00,000 | 5 saal | Rs.4,349 | Rs.60,940 | Rs.2,60,940 |
| Rs.3,00,000 | 5 saal | Rs.6,523 | Rs.91,380 | Rs.3,91,380 |
| Rs.5,00,000 | 5 saal | Rs.10,871 | Rs.1,52,260 | Rs.6,52,260 |
Arjun ka: Rs.1.5 lakh — 5 saal — EMI Rs.3,261. Pehle mahine Rs.52,000 kamaaya. EMI nikaal ke Rs.48,739 bacha.
👉 Apni exact EMI calculate karo: MudraReady Free EMI Calculator
Documents Ki Poori List
Bank reject karne ka number one reason documents ka incomplete ya mismatch hona hai. Yeh list print karke le jaao:
| Document | Kahan Se | Mandatory? |
|---|---|---|
| Aadhaar Card | Original + 2 self-attested copies | Haan |
| PAN Card | Individual — nahi hai toh pehle banwao | Haan |
| Passport Size Photos | 3 recent — white background | Haan |
| Bank Statement | Last 6 mahine — active account — regular transactions | Haan |
| Shop Rent Agreement | Landlord ke saath — stamp paper pe better | Haan |
| Equipment Quotations | Local dealer se written — model + price mention | Haan |
| Project Report | mudraready.in pe Rs.399 mein — 10 minute | Haan — sabse important |
| Udyam Registration Certificate | udyamregistration.gov.in — free, 10 minute | Strongly recommended |
| Mobile Repair Course Certificate | ITI, NSDC, ya recognized institute | Mandatory nahi — helpful |
| Caste Certificate | Tehsildar / District Collector office | SC/ST ke liye |
| Electricity Bill (shop address) | Shop ka | Address proof ke liye |
| ITR 1-2 saal | Income tax portal | Rs.5L+ ke liye helpful |
Important: Aadhaar aur PAN pe naam exactly same hona chahiye. Ek letter bhi alag ho — bank immediately flag karta hai. Pehle yeh check karo, phir apply karo.
Project Report Kyun Sabse Important Hai
Yeh section sabse zyada dhyan se padho.
Bank manager ke dimaag mein ek sawaal hota hai: “Kya yeh banda EMI bhar payega?”
Project report usi sawaal ka complete jawab hai. Isme hota hai:
- Business description — kya karte ho, kahan, kaise
- Setup cost ka item-wise breakdown
- Income projection — Year 1, 2, 3
- DSCR — minimum 1.25 chahiye
- 5 saal ka projected P&L
- Balance sheet
- Repayment schedule
Mudra Bank ke analysis ke according — 60% se zyada Mudra loan rejections kamzor ya missing project report ki wajah se hote hain.
Arjun ne mudraready.in se banayi. Rs.399. 10 minute. DSCR auto-calculate hua. Balance sheet khud balance hui. SBI officer ne first check mein clear kar di.
Pehle apna DSCR check karo: Free DSCR Calculator
Project report kaise banate hain detail mein: mudraready.in/blog/how-to-make-a-project-report-for-mudra-loan
Konsi Bank Fast Approve Karti Hai
Sabhi scheduled commercial banks Mudra loan dete hain — lekin sab ka behavior alag hai:
| Bank | Kyun Choose Karein | Mobile Repair Ke Liye |
|---|---|---|
| SBI | Sabse zyada Mudra disbursement — experienced MSME staff | e-Mudra Rs.50K tak online — sbi.co.in |
| PNB | MSME ke liye known — North India mein fast | Walk-in preferred |
| Bank of Baroda | First-time borrowers ke liye MSME-friendly | bankofbaroda.in ya branch |
| Canara Bank | Active small business lending | All India coverage |
| Bandhan Bank | No credit history wale ke liye flexible | Nearest Bandhan branch |
| Ujjivan Small Finance | Urban + semi-urban — accessible for beginners | ujjivansfi.com ya branch |
| JanSamarth Portal | Online — sabhi banks ek jagah | jansamarth.in |
Practical tip: Woh bank chunno jahan aapka savings ya current account pehle se hai. Same bank mein account hone se processing genuinely faster hoti hai — bank 6-month transaction history already dekh sakta hai. Arjun ka SBI mein account tha. 22 din mein ho gaya.
Apply Karne Ka Process — Step By Step
Step 1 — Udyam Registration Karo (Free — 10 Minute)
udyamregistration.gov.in pe jaao. Aadhaar number enter karo. OTP verify karo. Business details bharo. Certificate immediately download karo. Free hai. 10 minute.
Step 2 — Bank Account Active Karo
Last 6 mahine mein regular transactions honi chahiye — sirf ATM withdrawal nahi, UPI/NEFT bhi. Idle account = bank ko doubt hota hai.
Step 3 — Equipment Quotations Lo
2-3 local mobile parts dealers se written quotation lo — dealer ke letterhead pe. Model numbers + prices clearly. Dealer ka stamp.
Step 4 — Project Report Banao
mudraready.in pe jaao. Mobile Repair Shop select karo. Loan type chunno. Amount enter karo. 10 minute mein complete PDF. Rs.399 — pehli report FREE.
Step 5 — Documents File Banao
Upar ki list follow karo. Sab originals aur 2-2 self-attested copies. Ek clean file mein arrange karo — index page lagao.
Step 6 — Bank Branch Mein Jaao Ya Online Apply Karo
In-person: Nearest PSU bank — MSME ya loan department se milo. “Mudra Kishor ke liye apply karna hai” seedha bolo.
Online: jansamarth.in — sabhi major banks connected — documents upload karo — status track hota hai.
Step 7 — Follow Up Karo
Reference number lo. Har 5-7 din mein bank call karo. Koi document maange — turant do. Jo follow up karte hain unka kaam pehle hota hai — yeh reality hai.
Step 8 — Sanction aur Disbursement
Sanction letter milega — loan amount, interest rate, tenure, EMI date sab hoga. Account mein paisa transfer hoga. Equipment kharido — quotations ke according. Receipts rakhо.
Total timeline: Arjun ki tarah 22-30 din.
Real Income — Mobile Repair Se Actually Kitna Milega
Realistic figures — na zyada optimistic, na zyada pessimistic:
Service-wise charges — 2026 market rates:
| Service | Chota Shahar | Medium City | Metro |
|---|---|---|---|
| Screen replacement — Android mid-range | Rs.600-900 | Rs.900-1,400 | Rs.1,200-2,000 |
| Screen replacement — iPhone (OEM) | Rs.2,500-4,500 | Rs.4,000-7,000 | Rs.6,000-12,000 |
| Battery replacement | Rs.300-500 | Rs.400-700 | Rs.500-900 |
| Charging port repair | Rs.300-500 | Rs.400-600 | Rs.500-800 |
| Software flashing | Rs.200-400 | Rs.300-500 | Rs.400-600 |
| Water damage treatment | Rs.500-1,500 | Rs.800-2,000 | Rs.1,000-3,000 |
| Motherboard chip-level repair | Rs.2,000-5,000 | Rs.3,500-8,000 | Rs.5,000-15,000 |
| Accessories sale (margin) | 30-40% | 25-35% | 20-30% |
Monthly revenue — realistic scenarios:
| Scenario | Daily Customers | Avg Bill | Monthly Revenue |
|---|---|---|---|
| New shop — Month 1-2 | 5-8 | Rs.450 | Rs.28,000-45,000 |
| Settled — Month 3-6 | 10-15 | Rs.500 | Rs.50,000-90,000 |
| Established — Year 2+ | 20-30 | Rs.600 | Rs.1,20,000-2,00,000 |
Monthly expenses — proper shop:
| Expense | Monthly (Rs.) |
|---|---|
| Shop rent | 5,000-12,000 |
| Spare parts restocking | 10,000-25,000 |
| Electricity | 800-2,000 |
| Helper salary (if any) | 0-10,000 |
| Miscellaneous | 1,000-2,000 |
| Total Expenses | 16,800-51,000 |
Arjun ka breakdown: Rent Rs.7,000 + parts Rs.12,000 + bijli Rs.1,200 + misc Rs.800 = Rs.21,000 expenses. Revenue Rs.52,000. EMI Rs.3,261. Net: Rs.27,739 — pehle hi mahine.
DSCR Calculation — Live Example
DSCR — Debt Service Coverage Ratio — bank ka sabse important metric.
Simple matlab: Kya aapki income EMI se itni zyada hai ki aaram se bhar sako?
Formula: DSCR = (Net Profit + Depreciation + Interest) ÷ (Annual EMI + Interest)
Bank ki minimum requirement: 1.25 ya upar. 1.25 se kam — loan rejected.
Arjun ki shop ka DSCR — Rs.1.5 lakh loan pe:
| Item | Annual Amount |
|---|---|
| Net Annual Income | Rs.3,33,000 |
| Depreciation (tools at 15%) | Rs.16,500 |
| Interest on loan (Year 1) | Rs.12,375 |
| Numerator Total | Rs.3,61,875 |
| Annual EMI (Rs.3,261 x 12) | Rs.39,132 |
| Interest | Rs.12,375 |
| Denominator Total | Rs.51,507 |
| DSCR | 7.03 ✅ |
7.03 — bank ke liye bahut strong. Minimum 1.25 chahiye tha.
MudraReady pe project report banate waqt DSCR automatically calculate hota hai — galti ka koi chance nahi.
👉 Free DSCR Calculator
👉 DSCR ke baare mein aur padho: mudraready.in/blog/dscr-kya-hota-hai-bank-loan-approve-hone-ka-secret
FAQ — 12 Sawaal Jo Sabse Zyada Poochhe Jaate Hain
Mobile repair shop ke liye konsa Mudra loan best hai?
Proper dukan ke liye Mudra Kishor — Rs.50,001 se Rs.5 lakh — sabse common choice hai. Ghar se shuru karna hai toh Shishu Rs.50,000 tak. Advanced service centre ke liye Tarun Rs.5 lakh se Rs.10 lakh. Arjun ne Kishor liya — Rs.1.5 lakh — yahi mobile repair ke liye sweet spot hai.
CIBIL score kitna chahiye Mudra loan ke liye?
Officially koi minimum nahi. Lekin zyaadatar PSU banks 650+ prefer karte hain. Koi credit history nahi hai — Bandhan Bank ya Ujjivan Small Finance try karo — woh zyada flexible hain. Strong project report weak CIBIL ko kuch had tak offset kar sakti hai.
Ghar se mobile repair kholne pe bhi loan milega?
Haan — Mudra Shishu Rs.50,000 tak ghar se chalne wale business ke liye milta hai. Ghar ka electricity bill ya rent agreement address proof ke roop mein chalega. Project report mein “home-based mobile repair service” clearly likhо.
Mobile repair shop ke liye PMEGP milega?
Haan — mobile repair service sector hai aur PMEGP service sector cover karta hai. Maximum Rs.20 lakh. Sirf naye business ke liye — existing expand karna hai toh Mudra Tarun better. EDP training certificate mandatory hai — DIC se free. Apply: kviconline.gov.in/pmegpeportal
Loan mein spare parts ka stock bhi cover hoga?
Haan — working capital ke roop mein. Project report mein clearly likho: “Initial spare parts inventory — Rs.X.” Equipment aur working capital dono separately mention karo.
Accessories bhi bechna chahta hoon — kya loan usme bhi help karega?
Haan — accessories sale trading activity hai aur Mudra trading ke liye bhi available hai. Project report mein dono activities mention karo — repair service + accessories trading. Income projection mein dono sources dikhao.
Loan approval mein kitna time lagega?
Mudra Shishu: 1-2 hafte. Mudra Kishor: 2-3 hafte — Arjun ko 22 din lage. Mudra Tarun: 3-4 hafte. jansamarth.in se apply karo toh digital tracking easy hoti hai.
Ek mahine EMI na bhar sakoon toh kya?
Pehle bank ko proactively inform karo — unka call aane ka wait mat karo. Most banks genuine hardship mein 1-2 EMI grace dete hain. Zyada problem ho toh loan restructuring ke liye request karo. Default kabhi mat karo — CIBIL permanently kharab ho jaata hai.
SC/ST category mein hoon — mujhe kya zyada milega?
PMEGP mein rural area mein 35% subsidy — general ke 15-25% se zyada. Rs.2 lakh project pe Rs.40,000 extra free sirf category ki wajah se. CGTMSE mein 85% guarantee coverage. Stand Up India mein reserved quota — separate compete nahi karna. State-level SC Corporation se bhi 4-6% interest pe loans check karo.
Online apply better hai ya directly branch mein jaana?
Dono kaam karta hai. jansamarth.in se online apply — convenient, trackable. Branch mein jaane se officer se seedha baat, doubts clear. Pehli baar borrowers ke liye branch recommend hai — sawaal poochh sakte ho.
Rejection ho jaaye toh kya karein?
Bank se written rejection reason maango. Common reasons — weak project report, CIBIL issue, documents mismatch. Project report weak thi toh MudraReady pe nayi banao. Documents dobara check karo. Phir doosre bank mein apply karo — ek bank ka rejection doosre bank pe apply karne se nahi rokta. Detail mein: mudraready.in/blog/why-banks-reject-mudra-loans
Mudra loan ke baad koi extra benefit milta hai?
Haan — Mudra RuPay Debit Card milta hai — overdraft jaisa working capital. Udyam Registration ke baad government tender preference, MSME schemes mein priority. Kuch states mein bijli subsidy bhi — apne state DIC se check karo.
Conclusion — Arjun Ki Yellow Board Wali Dukan Aapki Bhi Ho Sakti Hai
Arjun Srivastava ke paas sirf Rs.28,000 the.
Koi property nahi thi. Koi guarantor nahi tha. Sirf haath mein skill tha — aur ek sawaal: “Mobile repair shop ke liye loan kaise milega?”
22 din mein jawab mila. SBI Naveen Market branch. Rs.1.5 lakh. Rs.399 ki project report.
Aaj “Arjun Mobile Care” — yellow board — Kanpur ke Naveen Market ki pehli gali mein. Rs.52,000 net. Rs.3,261 EMI. Baaki sab uska.
5 saal kisi aur ke liye kaam kiya. 22 din mein apna kuch ban gaya.
Aapki situation Arjun se alag nahi hai.
Skill hai. Market hai — 128 crore phones, sab tootenge. Loan available hai.
Aaj teen kaam karo:
Pehla — Udyam Registration karo abhi — free, 10 minute.
Doosra — 2 local spare parts dealers se equipment quotations lo — aaj ya kal.
DSCR auto-calculate. Balance sheet auto-balance. SBI, PNB, Bank of Baroda — sabhi accept karte hain.
Kal bank mein jaao. Arjun ki tarah.
Sources: mudra.org.in | trai.gov.in — Telecom Subscription Report April 2026 | msme.gov.in | kviconline.gov.in | udyamregistration.gov.in | jansamarth.in | Mudra Bank Annual Report 2024-25 | PMEGP Guidelines 2025-26
Last Updated: August 2026
