Beauty Parlour ke liye Mudra Loan Kaise Milega 2026 — Step by Step Samje
Neha Singh Lucknow ke Indira Nagar mein rehti hain.
10 saal se doosron ke parlour mein kaam karti hain. Haath ka kaam achha hai — clients bhi hain jo specifically unhe dhundhte hain. Ek sapna hai — apna parlour. Apni jagah. Apna business.
Ek baar ek customer ne kaha — “Neha ji, apna parlour kyun nahi kholti?”
Neha ji ka jawab tha — “Paisa kahan se aayega?”
Rs.2-3 Lakh chahiye — machines, furniture, initial stock. Itna apne paas nahi tha.
Yeh kahani sirf Neha ji ki nahi — lakho trained beauty professionals ka yahi sapna hai jo capital ki kami se ruk jaata hai.
Sach yeh hai — beauty parlour ke liye Mudra loan milta hai. Process simple hai. Aur project report 30 minute mein Rs.399 mein ban jaati hai.
Quick Answer — Beauty Parlour Loan
5 zaroori points:
- Beauty parlour ke liye Mudra Kishore loan milta hai — Rs.50,000 se Rs.5 Lakh
- Parlour Kit Yojana 2026: Kuch states mein free kit scheme — DIC se check karo
- Documents: Aadhaar, PAN, shop proof, beauty course certificate, project report
- Project report: MudraReady par Rs.399 mein 30 minute mein ready — mudraready.in
- Parlour kholne mein total: Rs.1.5 Lakh se Rs.5 Lakh depending on setup
Beauty Parlour Ke Liye Kaunsa Loan Best Hai?
Beauty parlour ek service business hai — aur service businesses ke liye Mudra Loan sabse better option hai.
| Loan Type | Amount | Best For |
| Mudra Shishu | Rs.50000 | Chhota upgrade, basic equipment |
| Mudra Kishore | Rs.50000 — Rs.5 Lakh | Naya parlour setup — MOST COMMON |
| Mudra Tarun | Rs.5L — Rs.10 Lakh | Bada parlour, multi-service |
| PMEGP | Rs.20 Lakh tak | Manufacturing unit — parlour ke liye nahi |
Beauty parlour ke liye Mudra Kishore sabse common aur best option hai. Rs.1-2 Lakh mein ek decent parlour set up ho jaata hai.
Beauty Parlour Kit Yojana 2026 — Kya Hai?
Bahut log “Parlour Kit Yojana” search karte hain. Yeh koi ek national scheme nahi hai — yeh state-wise programs hain:
| State | Scheme | Kya Milta Hai |
| Uttar Pradesh | Mukhyamantri Udyami Yojana | Equipment subsidy for women |
| Bihar | Mukhyamantri Mahila Udyami Yojana | Rs.5L tak 50% grant |
| Madhya Pradesh | Mukhyamantri Swarojgar Yojana | Beauty parlour included |
| Rajasthan | Various DIC schemes | Equipment loan with subsidy |
| Haryana | Haryana Mahila Udyam Yojana | Women entrepreneurs ke liye |
Kaise check karein: Apne nearest DIC (District Industries Centre) mein jaao. Unhe batao — beauty parlour kholna hai. Woh current state schemes batayenge.
Mudra loan ke saath state scheme combine kar sakte hain kuch cases mein — DIC se confirm karo.
Parlour Kholne Mein Kitna Paisa Chahiye — Real Numbers
Yeh sabse zyada poochha jaane wala sawaal hai. Pehle samjhte hain ki actually kitna invest karna padta hai — taki loan amount sahi decide kar sako.
| Setup Level | Total Cost | Mudra Loan | Apni Contribution |
| Basic Parlour (home-based) | Rs. 50,000 – 80,000 | Rs. 40,000 – 70,000 | Rs. 10,000 |
| Small Parlour (rented shop) | Rs. 1,50,000 – 2,50,000 | Rs. 1,40,000 – 2,35,000 | Rs. 10,000 – 15,000 |
| Medium Parlour (AC, full services) | Rs. 3,00,000 – 5,00,000 | Rs. 2,85,000 – 4,75,000 | Rs. 15,000 – 25,000 |
| Premium Salon | Rs. 8,00,000 – 15,00,000 | Mudra Tarun Plus | Rs. 40,000+ |
beauty parlour ke liye loan -Kya Documents Chahiye -List
Personal documents –
- Aadhaar Card — original + 2 photocopies
- PAN Card
- 2 passport size photos
- Caste certificate — agar SC/ST/OBC mein ho
Business documents –
- Beauty course certificate — ITI, NSDC, ya koi recognized institution se (strongly recommended)
- Shop rent agreement ya ownership proof
- Udyam Registration (free — udyamregistration.gov.in)
Equipment Documents:
- Equipment quotation — beautician chair, washing basin, dryer, etc.
Bank documents–
- Aapka bank account 6 mahine purana hona chahiye. Last 6 mahine ki bank statement. Banks prefer karte hain ki account mein kuch activity ho.
Sabse Zaroori — Project Report:
- Bank ko dikhana hota hai ki parlour se kitni kamaai hogi, kharcha kitna hoga, EMI afford ho sakti hai ya nahi.MudraReady par “Beauty Parlour / Salon” category select karo — Rs.399 mein 30 minute mein poori project report.
- Abhi banao: mudraready.in
Beauty Parlour Ke Liye Loan Kaise Milega — Step by Step
Step 1 — Beauty Course Certificate Arrange Karo
Agar aapke paas koi recognized beauty training certificate nahi hai — pehle karo. ITI, NSDC ya state skill development centre se free ya low-cost training milti hai. Certificate se bank ka confidence badhta hai.
Step 2 — Equipment Ka Quotation Lo
Beauty parlour ke liye basic equipment list:
| Equipment / Item | Estimated Cost (Rs.) |
| Beautician chair | Rs. 8,000 – 15,000 |
| Washing basin | Rs. 5,000 – 10,000 |
| Hair dryer, straightener, curler | Rs. 5,000 – 12,000 |
| Steamer, waxing machine | Rs. 3,000 – 8,000 |
| Furniture (dressing table, storage) | Rs. 15,000 – 30,000 |
| AC | Rs. 25,000 – 35,000 |
| Initial stock (cosmetics, wax, threading material) | Rs. 10,000 – 20,000 |
- Total basic setup: Rs. 71,000 to Rs. 1,30,000
- Dealer se written quotation lo — bank ko submit karni hogi.
Step 3 — Project Report Banao
Project report mein realistic income dikhao:
| Service | Average Charge | Daily Customers |
| Threading | Rs. 30 – 50 | 10 – 15 |
| Facial | Rs. 300 – 800 | 2 – 3 |
| Hair cut/style | Rs. 100 – 300 | 3 – 5 |
| Waxing | Rs. 200 – 500 | 2 – 3 |
| Bridal makeup | Rs. 3,000 – 10,000 | 1 – 2 per week |
Realistic monthly revenue for new parlour: Rs. 25,000 – Rs. 60,000
MudraReady par yeh sab automatically calculate hota hai.
- CA se banwaoge: Rs. 2,000 – 3,000 + wait
- MudraReady se banao: Rs. 399 + 30 minute
👉 Abhi banao: mudraready.in
Step 4 — Bank Choose Karo
| Bank | Best For | Special Benefit |
| SBI | Sab cities | Women entrepreneurs ko preference |
| PNB | North India | Fast processing |
| Canara Bank | All India | Women loan schemes |
| Regional Rural Banks | Rural areas | Easy process |
| SIDBI / MFI | First-time borrowers | Minimal documentation |
Step 5 — Apply Karo
Branch mein jaao. Mudra Loan form bharo. Documents aur project report attach karo. Submit karo. Online bhi apply kar sakte hain: jansamarth.in — government ka unified loan portal.
Beauty Parlour Income vs EMI — Kya Numbers Hain?
Ek realistic example (Rs.2 Lakh loan):
| Item | Monthly |
| Revenue (mixed services) | Rs.40,000 |
| Product/material cost (25%) | Rs.10,000 |
| Rent | Rs.5,000 |
| Electricity | Rs.1,500 |
| Net Monthly Income | Rs.23,500 |
| EMI (Rs.2L, 5yr, 10.75%) | Rs.4,300 |
| Income After EMI | Rs.19,200 |
Women Entrepreneurs ke liye Special Benefits
Beauty parlour predominantly women ka business hai — aur government ne specifically women entrepreneurs ke liye extra benefits diye hain.
Pehla benefit — Lower own contribution. SC/ST aur women category ke liye own contribution 5% hai general category ke 10% ke bajaye. Matlab aapko khud se kam paisa lagana hoga.
Doosra benefit — PMEGP mein 35% subsidy. Agar naya parlour shuru kar rahe hain rural area mein aur PMEGP scheme choose karte hain toh 35% subsidy milti hai — yeh kabhi wapas nahi karni. Rs. 2 lakh ke project pe Rs. 70,000 subsidy. Detail ke liye hamara PMEGP guide padho.
Teesra benefit — Mudra Card. Approved Mudra loans ke saath ek Mudra RuPay Debit Card milta hai jisse working capital as needed nikal sakte ho — yeh overdraft facility ki tarah kaam karta hai.
Chautha benefit — CGTMSE coverage. Collateral free loan milta hai. Ghar ya property mortgage nahi karni.
Paanchva benefit — Mahila Udyam Nidhi (PNB specific). PNB ka yeh scheme specifically women ke liye hai — term loan + working capital, competitive rate.
Real Income Kya Hoti Hai Beauty Parlour Mein
Log hmesha soochte hain — actually kitna kamayenge?
Small town mein basic parlour (20-30 customers per day):
Threading — Rs. 20-40 per person. Waxing full — Rs. 200-400. Facial — Rs. 200-500. Haircut + blow dry — Rs. 150-400. Monthly revenue estimate — Rs. 25,000 se Rs. 45,000.
Medium town mein established parlour (bridal + regular):
Regular services — Rs. 40,000 se Rs. 60,000/month. Bridal makeup (season mein) — Rs. 5,000 se Rs. 25,000 per bridal. Monthly average including bridal — Rs. 50,000 se Rs. 80,000.
City mein premium salon:
Higher prices, more services — Rs. 80,000 se Rs. 1,50,000/month possible.
Expenses kya hoti hain? Rent Rs. 3,000 se Rs. 10,000. Products refill Rs. 3,000 se Rs. 8,000. Electricity Rs. 1,000 se Rs. 3,000. Ek assistant salary Rs. 6,000 se Rs. 12,000. Total monthly expenses Rs. 15,000 se Rs. 35,000.
Net profit: Rs. 10,000 se Rs. 45,000 per month depending on location and scale. EMI Rs. 3,000 se Rs. 5,000 is easily manageable from this.
Abhi Yeh Karo — 3 Steps Mein Shuru Karo
Pehla step — Aaj hi project report banao. MudraReady pe jaao, “Beauty Parlour” select karo, apni details bharo. 30 minute mein 18-page ki professional PDF ready hogi jo bank mein submit kar sakte ho. mudraready.in
Doosra step — Udyam Registration karo. udyamregistration.gov.in pe free mein 10 minute mein. Certificate download karo.
Teesra step — Nearest bank mein jaao. Project report aur documents lekar SBI ya PNB branch mein jaao. Mudra loan ke liye apply karo.
Conclusion — Neha Ji Ka Sapna Poora Hoga
Wapas aate hain Lucknow ki Neha Singh pe.
Unhe sirf yeh karna tha:
- ITI certificate — unke paas tha
- Shop rent agreement — Rs.4,000/mahine ki shop dhundhi
- Equipment quotation — local dealer se Rs.1,50,000 ka
- MudraReady par project report — Rs.399, 30 minute
- SBI branch mein jaana — Mudra Kishore Rs.1.5 Lakh
- 2 hafte wait karna
- Apna parlour kholna
Itna hi tha.
Parlour kholna mushkil nahi hai. Process pata honi chahiye aur project report sahi honi chahiye.
Rs.399 mein project report banao. Kal bank jao.
Abhi banao: mudraready.in
Yeh Bhi Padho — Related Posts:
- Mudra Loan Project Report Kaise Banaye — Complete Guide 2026
- Mudra Loan Documents List 2026
- UP Mein Mudra Loan Kaise Milega 2026
- Bihar Mein Mudra Loan Kaise Milega 2026
- PMEGP Loan Kaise Milega 2026
Disclaimer: MudraReady.in ek project report generation tool hai. Parlour Kit Yojana aur state schemes ki details state government policies ke hisaab se change ho sakti hain — apne DIC office se confirm karein. Loan approval bank ke criteria pe depend karta hai.
Last Updated: 26 April 2026
FAQ : -Beauty Parlour ke liye Loan Kaise Milega
Beauty parlour ke liye Mudra loan mein kitna milta hai?
Beauty parlour ke liye Mudra loan teen categories mein milta hai. Shishu mein Rs. 50,000 tak, Kishore mein Rs. 50,001 se Rs. 5 lakh tak, aur Tarun mein Rs. 5 lakh se Rs. 10 lakh tak. Pehli baar ke liye Kishore category best hai — Rs. 1 lakh se Rs. 3 lakh mein acchi quality ka parlour setup ho jaata hai. Collateral nahi chahiye Rs. 10 lakh tak.
Parlour ke liye Mudra loan mein kya documents chahiye?
Basic documents chahiye — Aadhaar card, PAN card, 2 photos, address proof, shop ka rent agreement ya NOC, 6 mahine ki bank statement, aur project report. Experience certificate mandatory nahi hai. Udyam Registration certificate hoga toh helpful hai. Project report sabse important document hai — MudraReady pe Rs. 399 mein 5 minute mein bana sakte ho.
Kya ghar se beauty parlour ke liye bhi loan milta hai?
Haan, ghar se chalne wale beauty parlour ke liye bhi Mudra loan milta hai. Iske liye ghar ka address proof sufficient hai — alag commercial address ki zaroorat nahi. Lekin bank statement active honi chahiye aur project report mein clearly mention karo ki home-based parlour hai. Kuch banks additional verification karte hain home-based businesses ke liye.
Beauty parlour loan ke liye koi experience certificate chahiye?
Nahi — experience certificate Mudra loan ke liye mandatory nahi hai. Agar beauty course kiya hai ya kisi parlour mein kaam kiya hai toh certificate helpful hoga lekin compulsory nahi. Bank mainly project report aur repayment capacity dekhta hai. Agar aapke paas skill hai aur realistic business plan hai toh loan milega.
Pehle se chal raha parlour ke liye bhi loan milta hai?
Haan, existing parlour ke liye bhi Mudra loan milta hai — expand karne ke liye, equipment upgrade karne ke liye, ya working capital ke liye. Existing business ke case mein past income proof helpful hoti hai — ITR ya bank statement jo regular income show kare. Existing business loan approval rate actually better hoti hai kyunki track record hota hai.
Kaunsi bank beauty parlour loan ke liye best hai?
SBI, PNB aur Bank of Baroda beauty parlour Mudra loans ke liye best options hain. SBI ka e-Mudra portal Rs. 50,000 tak instant online approval deta hai. PNB ka Mahila Udyam Nidhi scheme women entrepreneurs ke liye specifically beneficial hai. Apne nearest SBI ya PNB branch se shuru karo — wahan account hona helpful hota hai processing mein.
Beauty parlour loan ki EMI kitni hogi?
Rs. 1.5 lakh ka loan at 11% for 5 years — EMI approximately Rs. 3,260/month. Rs. 2.5 lakh at 11% for 5 years — EMI approximately Rs. 5,435/month. Rs. 5 lakh at 11% for 5 years — EMI approximately Rs. 10,870/month. Exact calculation aur 5-year projection ke liye MudraReady pe project report banao — sab automatically calculate hota hai sirf Rs. 399 mein.
Kya beauty parlour ke liye PMEGP loan better hai ya Mudra?
Agar naya parlour shuru kar rahi hain aur SC/ST, OBC, ya women category mein hain — PMEGP better hai kyunki 25-35% subsidy milti hai jo kabhi wapas nahi karni. Lekin PMEGP mein 2-4 mahine ka time lagta hai. Agar jaldi chahiye ya existing parlour expand karna hai — Mudra better hai, 2-4 hafte mein milta hai. Dono ka detailed comparison hamare PMEGP guide mein hai.
Mudra loan reject ho jaaye toh kya karein?
Rejection ke common reasons hain — incomplete documents, CIBIL score low, project report weak, ya account activity kam. Pehle rejection reason samjho. Project report improve karo — MudraReady ki report bank-ready format mein hoti hai jo rejection chances kam karti hai. Doosri bank mein try karo — ek bank ka rejection doosri bank pe apply karne se nahi rokta. Microfinance institution jaise Bandhan Bank ya Ujjivan chhote amounts ke liye easier hain.
Beauty parlour project report kahan se banayein?
MudraReady pe Rs. 399 mein 5 minute mein bank-ready project report ban jaati hai. Form mein “Beauty Parlour” select karo, apni details bharo — loan amount, equipment cost, monthly expected income, expenses. Automatically 17-page PDF generate hoti hai jisme P&L, cash flow, balance sheet, DSCR, sensitivity analysis sab hota hai — exactly jo SBI aur PNB bank officers maangte hain. Link: https://mudraready.in/generate-your-mudra-report/
Beauty parlour ke liye koi special qualification chahiye?
Officially koi compulsory qualification nahi hai Mudra loan ke liye. Lekin agar ITI ya NSDC beauty course certificate hai — bank ka confidence badhta hai aur approval fast hoti hai. Free training ke liye apne nearest Skill Development Centre ya ITI mein contact karo.
Ghar pe parlour kholna chahti hoon — loan milega?
Haan milega. Ghar ka address business address ke roop mein use kar sakte hain. Aadhaar address match karna chahiye. Home-based parlour ke liye Mudra Shishu (Rs.50,000 tak) ya Kishore (Rs.1 Lakh tak) appropriate hai. Project report mein clearly mention karein ki parlour ghar se operate hoga.
Parlour kit yojana ke liye kaise apply karein?
Koi centralized national parlour kit yojana nahi hai. State-wise schemes hain. Apne nearest DIC (District Industries Centre) mein personally jaao aur batao — beauty parlour kholna hai. Woh current state schemes batayenge. Mudra loan ke saath state scheme combine karna possible hai kuch cases mein.
Beauty parlour loan ke liye CIBIL score kitna chahiye?
Mudra loans ke liye official minimum CIBIL score nahi hai. Lekin 650+ score se process smooth hoti hai. Pehli baar loan le rahe ho aur koi credit history nahi hai — MFI channels (Bandhan Bank, Ujjivan) through apply karo — woh zyada flexible hote hain. Clean record = fast approval.
Kya beauty parlour ke saath mehendi, tailoring bhi add kar sakti hoon — ek hi loan mein?
Haan — multi-service setup ke liye ek hi project report mein sab include kar sakte hain. Revenue calculation mein beauty + mehendi + tailoring — sab ki income add karo. Bank dekhta hai total business viability — individual services nahi. MudraReady par sab expenses aur income ek saath enter kar sakte hain.
