KVIC Project Report Format and Model Profiles: Where to Download and How to Adapt One for PMEGP

A KVIC project report is the business plan you upload with a PMEGP (Prime Minister's Employment Generation Programme) loan application. It sets out your project cost, how it will be funded, your machinery, and 3 to 5 years of projections. Since 27 June 2026, applications go through the PMEGP 2.0 portal (pmegp.msme.gov.in), which replaced the old KVIC e-portal. Its free model projects are under the portal's "Download Sample Projects" link. That page loads its list dynamically, so give it a few seconds, and check the list yourself before you pick a profile.

Most of the pages that rank for this are bare PDF dumps, and many still send you to the old kviconline.gov.in portal. Yeh page aapke liye hai if you want to know how to take a generic KVIC profile and turn it into a report for your district's product that a bank will accept.

TL;DR

• Portal: apply, log in and download model projects on PMEGP 2.0. The old KVIC e-portal has been replaced.
• Old users: your User ID still works. Reset your password with "Forgot Password" on the new portal.
• Limits: projects can cost up to ₹50 lakh (manufacturing) or ₹20 lakh (service/business). Land isn't counted.
• Subsidy: 15 to 35% of project cost, depending on your category and whether you're in a rural or urban area. Your own contribution is just 5 to 10%.
• Adapt, don't copy: replace the old prices in the profile with current, genuine machinery quotations and your local raw material rates.
• 2026 status: ₹1,000 crore of subsidy was released on 28 October 2026 after months on hold.

Why the KVIC project report matters again in November 2026

On 28 October 2026 (some outlets report 29 October), MSME Minister Jitan Ram Manjhi released ₹1,000 crore in PMEGP margin money subsidy at Kartavya Bhawan-3, New Delhi, according to DD News and All India Radio. That money covers 11,333 new micro-enterprises and about ₹3,260 crore in bank-sanctioned loans, with an expected 1.02 lakh jobs (a projection, not a count). About half the beneficiaries are SC/ST/OBC and about 40% of the units are women-owned. Before this release, FY 2026-27 had already seen ₹794.52 crore go to 25,895 units.

It came after a long pause. The scheme's current approval covers FY 2021-22 to 2025-26, with an outlay of ₹13,554.42 crore (Ministry of MSME office memo, 13 May 2022). On 3 August 2026 the government told the Rajya Sabha that PMEGP had only been authorised up to 31 March 2026, and that further subsidy depended on the scheme being extended. No Cabinet approval or new outlay for 2026–31 has been published, so treat any "PMEGP extended" claim as unconfirmed. Still, the October release shows money is moving again, and a parliamentary committee report puts the 2026-27 budget estimate at ₹4,500 crore. Bottom line: applications are being processed, so it makes sense to get your project report ready now.

Where to download KVIC model project profiles

1. Open the PMEGP 2.0 portal and click "Download Sample Projects". The list loads after the page opens, so wait for it before you assume it's empty.
2. The older KVIC project profiles page may still host legacy profiles grouped by industry (agro-based food processing, forest-based, mineral-based, textile), but it was unreachable as of 9 November 2026. Don't depend on it.
3. Download the profile closest to your product. For flavoured makhana, look for roasted snacks or dry fruit processing under food processing.
4. Also check Udyami's project report library and msme.gov.in. Some district portals, such as Cuttack's, list several repositories in one place.
5. Keep the official PMEGP guidelines PDF and the portal's FAQ open next to the profile. The guidelines are the final word, not commercial blogs.

Important: many KVIC profiles were costed years ago. Machinery prices, wages and raw material rates in them are usually 30 to 60% below 2026 market rates. A bank officer who sees 2015 prices will send your file back.

No ODOP-specific set: there is no official KVIC set of project profiles for ODOP products. You map your ODOP product to the nearest generic profile and adapt it, which is what the makhana example below does.

PMEGP project report format: the sections a bank actually reads

1. Promoter details: name, age (18+), education, category (General or Special), rural or urban location, and experience.
2. Project description: the product, its ODOP link, location, and whether the premises are owned or rented.
3. Project cost: capital expenditure (machinery, workshed, fittings) plus one operating cycle of working capital. Land cost is not part of a PMEGP project cost.
4. Means of finance: your contribution, the bank loan and the margin money subsidy, shown separately.
5. Machinery list: each item with its supplier quotation.
6. Raw materials and production: capacity, utilisation by year, and input costs.
7. Projections (3 to 5 years): sales, costs, profit, depreciation and repayment schedule.
8. Ratios: DSCR (debt service coverage ratio, ideally 1.5 or above), breakeven point, and employment generated.

To check your EMI against the repayment schedule, use the portal's own PMEGP EMI calculator.

KVIC project report numbers: PMEGP subsidy and own contribution

The bank lends the rest of the project cost. The subsidy is held as a term deposit (TDR) for a 3-year lock-in and is then adjusted against your loan. There's no income ceiling, but only new units qualify. According to the guidelines, you need to have passed Class VIII for manufacturing projects above ₹10 lakh and service projects above ₹5 lakh.

Filled example: adapting a KVIC profile for Saharsa makhana

Example promoter: a woman in rural Saharsa, Bihar (Special category, rural) who wants to start a flavoured makhana roasting and packing unit. Saharsa's ODOP product is makhana, and our Saharsa makhana guide covers sourcing and the market. Every price below is an illustrative assumption. Replace it with your own quotations.

Project cost

Means of finance: paise kaise aayenge

• Own contribution (5%): ₹60,000
• Bank loan (95%): ₹11,40,000
• Margin money subsidy (35%): ₹4,20,000, held for 3 years and then adjusted against the loan

The project costs more than ₹10 lakh, so this promoter must have passed Class VIII.

Unit economics

We've assumed a cost of ₹1,250 per kg of finished product: raw makhana ₹950, seasoning and oil ₹120, pouches and cartons ₹180. The wholesale price is ₹1,700/kg, which works out to about ₹230 MRP per 100g after the trade margin. That leaves a contribution of ₹450/kg, or roughly 26%. Fixed costs come to about ₹95,000 a month: rent ₹12,000, 3 workers ₹36,000, power and gas ₹15,000, marketing and freight ₹25,000, testing and miscellaneous ₹7,000.

Breakeven: ₹95,000 ÷ ₹450 = about 211 kg a month. You should aim to reach that within 4 to 6 months.

3-year projection (pre-tax, ₹ lakh)

Year-1 DSCR = EBITDA ₹4.8L ÷ (principal ₹1.6L + interest ₹1.25L) ≈ 1.68, which is above the 1.5 most banks look for. The year-1 EBITDA margin is only about 8%, so a bad monsoon that pushes up raw makhana prices could wipe out your profit. The fix is to build a raw material buffer into your working capital, not to inflate your sales figures.

How to adapt any KVIC model profile to your ODOP product

1. Pick the closest profile. Mango jelly, pickles and chilli powder all have food-processing templates. See our Vizianagaram mango jelly and Guntur chillies pages for costing that suits each district.
2. Get 2 to 3 GST quotations for each machine, from real, verifiable suppliers. Banks check these line by line.
3. Put in local raw material prices from your mandi or FPO, along with the month you checked them.
4. Set capacity utilisation conservatively: 50 to 60% in year 1, then increasing.
5. Keep working capital to one cycle. Inflated working capital is the most common reason a file gets cut.
6. Add the ODOP angle: GI tag, cluster, buyers and state ODOP support. It shows the officer there's a market.
7. List your licences: Udyam, FSSAI for food, and pollution consent where it applies.
8. Upload on the PMEGP 2.0 portal. Manual applications are not accepted. The portal links to Jan Samarth so your bank can process the loan online. The user manual walks through each screen, and the helpdesk page lists support-pmegp@msme.gov.in, technical 022-69168907 and operational 022-26712087.
9. Finish EDP training and Udyam registration early. Both are needed before physical verification. The EDP course runs online at training.kvic.gov.in.

The catch: fake invoices get caught, and expensively

On 9 November 2026 the Enforcement Directorate provisionally attached 11 properties worth ₹10.63 crore in Srinagar and Bandipora in a PMEGP loan fraud case, Kashmir Observer reports. According to the ED, dummy borrowers used fake invoices from non-existent firms, with alleged help from bank officials. 540 loan accounts went bad, leaving ₹32 crore in NPAs.

The lesson for your report is simple. Every quotation must come from a real supplier you can show the officer, at a price you will actually pay. Padded quotations to "cover" your own contribution aren't a shortcut. Woh seedha case file banta hai.

Do you need a CA for a PMEGP project report?

There is no official rule that says a CA has to prepare a PMEGP project report. Claims that "a CA report is mandatory" mostly come from sites selling report-writing services. If you can work a spreadsheet, a KVIC profile updated with real quotations is enough. Your DIC or KVIB officer will often go through it with you for free. A CA is worth paying for when the project is above ₹25 lakh or your projections are complicated.

Who should use PMEGP, and who should skip it

Right for you if: you're starting a new micro-unit, have ₹60,000 to ₹5 lakh to put in, can wait 2 to 6 months for a bank decision, and the business is tied to your district's raw material.

Skip it if: you need money within weeks, your idea is pure trading, or you can't handle a 3-year lock-in before the subsidy is adjusted against your loan. A MUDRA loan may suit you better. Want more district-level product ideas before you choose? Start from our ODOP business guides home.