MUDRA LOAN SUBMISSION PACKAGE

ANNEXURE 4

Below is a complete, ready-to-submit MUDRA Loan Submission Package based on fictional details.
You can copy, edit, and use this as a reference for preparing your own submission file for the bank.

✅ MUDRA LOAN SUBMISSION PACKAGE (Sample / Fictional)

For: Shree Fresh Mart – Micro Grocery & Essentials Outlet
Loan Type: MUDRA – SHISHU / KISHOR / TARUN (Sample uses Kishor – ₹5,00,000)

1. COVER LETTER TO BANK MANAGER

Date: 07 Dec 2025
To
The Branch Manager
Bank of India
Anna Nagar Branch
Chennai – 600040

Subject: Application for MUDRA – Kishor Loan of ₹5,00,000

Dear Sir/Madam,

I, Mr. Ramesh Kumar, proprietor of Shree Fresh Mart, request a MUDRA (Kishor) loan of ₹5,00,000 for setting up a grocery & household essentials mini-mart in Mogappair, Chennai.

I am submitting the following documents as required:

Filled MUDRA Loan Application
Udyam Registration Certificate
KYC Documents (Aadhaar, PAN)
Address Proof
Business Project Report
3-Month Bank Statements
Quotation for Equipment
Rent Agreement for Shop
Passport-size Photos

Kindly review my application and process the loan at the earliest.
I assure timely repayment and proper utilisation of funds.

Regards,
Ramesh Kumar
Proprietor – Shree Fresh Mart
Mobile: 90031 22445
Email: ramesh.freshmart@example.com

2. FILLED MUDRA APPLICATION FORM (Fictional Sample)

Applicant Details

Field	Entry
Name	Ramesh Kumar
Father’s Name	S. Govindan
Gender	Male
Date of Birth	12/08/1992
Category	OBC
Udyam Registration	UDYAM-TN-05-0012345
PAN	BHKPK3456Q
Aadhaar	4829 1123 7789
Mobile No	90031 22445
Email	ramesh.freshmart@example.com

Business Information

Field	Entry
Type	Proprietorship
Business Name	Shree Fresh Mart
Business Activity	Grocery & Essentials Retail
Address	Shop No.12, Arcot Main Road, Mogappair East, Chennai 600037
Year Start	2025
Loan Type	MUDRA – Kishor
Loan Amount	₹5,00,000

Purpose of Loan

Purchase of display racks, refrigerators, billing machine
Initial stock purchase (FMCG items, grains, packaged goods)
Working capital

Bank Account Details

Field	Entry
Bank	Bank of India
Branch	Anna Nagar
Account No	248510010009123
IFSC	BKID0008150

Security / Guarantee

No collateral (as per MUDRA norms)

Declarations

Information submitted is true
Funds will be used only for business
Agree to MUDRA terms

Signature
Ramesh Kumar
07 Dec 2025

3. BUSINESS PROJECT REPORT (Sample)

A. EXECUTIVE SUMMARY

Shree Fresh Mart is a modern grocery & essentials mini-mart planned at Mogappair East. The store offers FMCG goods, packaged foods, grains, dairy, frozen items, and home-use essentials. A MUDRA loan of ₹5,00,000 is requested for setting up and operating the business.

B. PROMOTER PROFILE

Name: Ramesh Kumar
Age: 33
Education: B.Com
Experience: 4 years as supervisor in a supermarket
Skills: Inventory management, shop administration, procurement

C. BUSINESS MODEL

Products

Packaged foods, pulses, grains
Snacks, biscuits, beverages
Toiletries, cleaning items
Dairy, bread, frozen goods

Location Advantage

Residential area with high footfall
Competition limited to small kirana stores
Strong demand for organised retail experience

D. COST OF PROJECT

Component	Amount (₹)
Display Racks	1,20,000
Refrigerators / Deep Freezer	90,000
Billing Machine + POS	40,000
Initial Stock	2,00,000
Working Capital Buffer	50,000
Total	5,00,000

E. MEANS OF FINANCE

Source	Amount
MUDRA Loan (Kishor)	₹5,00,000
Own Investment	Not required for model

F. EXPECTED MONTHLY INCOME STATEMENT

Item	Amount (₹)
Expected Sales	3,00,000
Gross Margin (18%)	54,000
Rent	10,000
Electricity	3,000
Salary (self)	15,000
Misc.	2,000
Net Profit	24,000 / month