Oil Mill Loan 2026: Tel Ghani Lagane Ke Liye PMEGP, PMFME Ya Mudra, Kaunsa Raasta Sahi Hai aur Bank Kya Dekhta Hai
Oil mill loan aur tel ghani loan kaise milega? PMEGP, PMFME, Mudra, EMI, DSCR aur FSSAI ki poori jaankari Hinglish mein. Pehli report free.
Rampal Singh ne sarson Rs.58 kilo bechi, aur wahi sarson tel ban kar Rs.170 kilo mein wapas uski rasoi tak aayi.
Alwar ke paas ek gaon mein Rampal, 41 saal ka, apni 6 bigha zameen par har saal sarson ugata tha. Fasal aati, mandi mein bikti, aur paisa kuch hi mahine mein khatam. Ek din usne bazaar mein sarson ka tel Rs.170 kilo dekha. Uske dimaag mein ek hi sawaal tha: jo seed main Rs.58 mein bechta hoon, uska tel kaun Rs.170 mein bech raha hai, aur uski khali (cake) ka paisa kahan jaata hai?
Usne hisaab lagaya. Teen kilo sarson peelo to lagbhag ek kilo tel aur do kilo khali nikalti hai. Agar ghani apni ho, to mandi ka beech wala faida usi ke haath mein aata.
Usne ek hafte ke andar do jagah arzi laga di. Ek, bank mein ghani ke liye loan ki. Doosri, akhbaar mein padhi "oil mill par 33% subsidy" wali khabar ke baad ek sarkari portal par. Bank se call aaya: "Bhai, subsidy wali scheme individual ke liye hai ya organisation ke liye? Aur FSSAI ka kya?"
Rampal ko samajh nahi aaya ki kahan galti hui. Paise ki kami nahi thi. Galti thi ek khabar padhkar bina scheme ki shart dekhe daudne ki. Is guide mein hum oil mill loan aur tel ghani loan ke saare raaste, rupaye ke hisaab ke saath, ek-ek karke kholenge.
(Yeh kahani kalpanik hai. Naam aur jagah udaharan ke liye hain.)
QUICK ANSWER
Oil mill loan teen raaston se mil sakta hai. Pehla, PMEGP: tel ghani ek manufacturing activity hai (maximum project cost Rs.50 lakh, subsidy 15% se 35% category aur area ke hisaab se). Doosra, PMFME: micro food processing units ke liye 35% credit-linked subsidy, maximum Rs.10 lakh, par iska aaj ka status pmfme.mofpi.gov.in par confirm karo. Teesra, Mudra: Shishu 50,000 tak, Kishor 50,001 se 5 lakh, Tarun 5 se 10 lakh, Tarun Plus 10 se 20 lakh (sirf Tarun chukane waalon ke liye). Ek khabar mein National Mission on Edible Oils-Oilseeds ke under 33% subsidy ki baat aayi, par wo organisations ke liye thi. Tayyar rakho: project report, Udyam, FSSAI, Aadhaar, PAN, machine quotation. Bank DSCR minimum 1.25 dekhta hai. Is post mein 11% interest udaharan hai.
1. Oil mill loan kya hai aur kaun apply kar sakta hai
Oil mill loan koi ek alag sarkari scheme ka naam nahi hai. Yeh ek tarah ka manufacturing project finance hai. Aap bank ko batate ho ki ghani ya expeller machine kaunsi lagegi, kaun sa seed peeloge (sarson, til, moongfali, soyabean, sunflower), tel aur khali kahan bechoge, aur bank us project ke hisaab se term loan aur working capital deta hai. Is loan par sarkar ki subsidy bhi mil sakti hai, agar aap kisi scheme ki shartein poori karte ho.
Isliye jab koi poochta hai "tel ghani loan kaise milta hai", sahi jawab teen sawaalon mein tootta hai: kis scheme se lena hai, kitni raqam ka project banta hai, aur bank ko apni kamai kaise dikhani hai.
Kaun apply kar sakta hai? Aam taur par:
- 18 saal ya usse upar ka koi bhi Indian citizen jo tel ghani ya oil mill lagana chahta hai (individual, proprietorship, partnership, SHG, scheme ke hisaab se).
- Jagah apni ho ya registered rent agreement ke saath kiraye ki ho, jahan 3-phase bijli connection mil sake.
- Pichhla loan default na ho, aur credit history theek ho.
- Kuch schemes mein training zaroori hoti hai, jaise PMEGP mein EDP training.
- PMEGP mein ek parivaar ka ek hi sadasya apply kar sakta hai.
Mudra non-farm, non-corporate chhote units ke liye hai, aur chhote manufacturing units, jaise tel ghani, us mein aate hain. Phir bhi kaun sa bank ise kis product mein sanction karta hai, yeh branch par depend karta hai. Isliye pehla kaam: branch manager se poochho ki oil mill ke liye wo Mudra, PMEGP ya doosre kaunse product mein loan dete hain.
Agar aap kisan ho aur oil mill loan lekar ghani apne khet ke sath lagana chahte ho, to yeh guide bhi padho: https://mudraready.in/blog/mudra-loan-for-farmers-kisan-ko-mudra-loan
2. Kachi ghani, expeller aur tel mill: loan ke nazariye se kya farq hai
Bank ke liye teeno ek hi tarah ke oilseed processing project hain. Phir bhi project report mein farq dikhana padta hai, kyunki cost, tel ki recovery aur bikri ka daam badal jaata hai.
Kachi ghani (kolhu): Seed ko dheemi gati se aur kam garmi par peela jaata hai. Isse bane tel ko log "cold pressed" ya "kachi ghani" kehkar premium daam par bechte hain. Machine ki capacity kam hoti hai aur tel ki recovery bhi aksar expeller se kam hoti hai. Par daam zyada milta hai, isliye direct-to-consumer bikri mein fayda ho sakta hai.
Expeller (screw press): Tez gati se zyada seed peeli jaati hai, tel ki recovery zyada hoti hai. Capacity badi hoti hai, par tel ka quality image aur daam commodity jaisa rehta hai.
Chhota tel mill (job-work): Kisan apna seed laate hain, aap peesne ka charge lete ho aur tel khali unko wapas dete ho. Isme seed khareedne ka paisa nahi lagta, to tel ghani loan ka working capital kam lagta hai aur daam ka risk bhi kam hota hai. Charge ka rate apne ilaake mein pooch kar lo.
Loan ke liye iska matlab: agar aap pehli baar oil mill lagate ho, to bank ko aksar ek hi seed aur seedha plan zyada saaf lagta hai. Is post mein hum sarson aur expeller type chhoti unit ka udaharan lete hain. Recovery, daam aur kharche sab udaharan hain; apne ilaake ke asli numbers lagao.
3. Tel ghani ke liye licence: FSSAI, Udyam aur baaki
Tel khane ki cheez hai, isliye kagaz poore hone chahiye. Yeh sab ek jagah dekho.
FSSAI: Edible oil banana ek food-manufacturing activity hai, isliye FSSAI registration ya licence zaroori hai. Turnover ke hisaab se basic registration ya state licence lagta hai. Exact seema aur fees foscos.fssai.gov.in par confirm karo. Bank sanction se pehle yeh kagaz maangta hai. Packaged sarson ke tel ke liye FSSAI ke blending aur labelling ke rule sakht hain, isliye label par jo likhte ho wo saaf aur sahi hona chahiye.
Udyam registration: Free hai, udyamregistration.gov.in par hota hai.
Legal Metrology aur labelling: Packed tel par net quantity, MRP, batch aur FSSAI number likhna padta hai. Bottle ya pouch ka design pehle final kar lo.
GST: Turnover ke hisaab se zaroori ho sakta hai. CA ya GST portal se confirm karo.
Bijli ka industrial connection: Ghani ya expeller 3-phase bijli par chalta hai. Sanctioned load aur transformer ka intezam pehle se karo.
Local body, pollution board: Municipal trade licence ya NOC state ke hisaab se alag hai. Pollution board ki consent ka rule bhi state par depend karta hai, isliye apne state ke board se likhit mein confirm karo.
Oil mill loan ke liye iska matlab: bank sabse pehle FSSAI aur Udyam dekhta hai. In ke bina application aage nahi badhti.
4. Setup cost: Rs.10 lakh ka poora hisaab
Neeche ek chhote sarson ke expeller unit ka udaharan hai. Roz lagbhag 300 kilo sarson, 26 din. Yeh sab figures udaharan hain, kisi dealer ka quote nahi. Aapke shehar ke rate alag honge. Dealer se written quotation zaroor lo.
Table 1: Fixed cost, sarson ka expeller unit (udaharan)
| Item | Cost (Rs.) |
|---|---|
| Expeller / ghani machine, 2 | 3,20,000 |
| Filter press aur settling tank | 90,000 |
| Seed cleaner aur storage bins | 60,000 |
| Shed, flooring, electrical wiring, 3-phase | 1,10,000 |
| Bottle / pouch filling machine aur weighing scale | 80,000 |
| Furniture, tools aur anya | 40,000 |
| Total fixed cost | 7,00,000 |
Table 2: Working capital, pehle cycle ke liye (udaharan)
| Item | Cost (Rs.) |
|---|---|
| Sarson ka stock (fasal ke time) | 1,80,000 |
| Packing material (bottle, pouch, label) | 30,000 |
| FSSAI, Udyam, licence aur registration | 30,000 |
| 2 mahine ka buffer (rent, bijli, labour) | 60,000 |
| Total working capital | 3,00,000 |
Total project cost = Rs.7,00,000 + Rs.3,00,000 = Rs.10,00,000 (udaharan).
PMEGP ke hisaab se working capital project cost ke 40% se zyada nahi hona chahiye. Yahan 3,00,000 / 10,00,000 = 30% hai, yaani limit ke andar. Yeh 70 / 30 ka split bank ko sahi lagta hai.
Ab oil mill loan ki financing samjho. Maan lo aap 10% yaani Rs.1,00,000 khud lagate ho. Bank se Rs.9,00,000 ka loan chahiye. Rampal ke paas zameen thi aur Rs.1 lakh ki savings, isliye uska case isi dayre mein baitha.
Ek aur baat: seed ka stock fasal ke time khareedna sasta padta hai, par uske liye working capital chahiye. Bahut se applicants sirf machine ka kharcha likhte hain, aur seed ka stock bhool jaate hain. Phir bank ko lagta hai ki project adhoora hai.
Poori project report apne numbers ke saath dekhna ho to pehle sample report padh lo: https://mudraready.in/sample-report
5. Raaste: PMEGP, PMFME, NMEO-Oilseeds aur Mudra
Oil mill loan ke liye chaar raaste hain. Inme se sabhi ek saath nahi chalte.
RAASTA 1: PMEGP
PMEGP (Prime Minister's Employment Generation Programme) manufacturing aur service dono ke naye projects ke liye hai. Manufacturing ke liye maximum project cost Rs.50 lakh hai. Is par margin money subsidy milti hai: general category mein shehar mein 15% aur gaon mein 25%; special category mein shehar mein 25% aur gaon mein 35%. Apna yogdaan general mein 10% aur special mein 5%. Baaki 90% ya 95% bank finance karta hai.
Dhyan do: PMEGP sirf naye project ke liye hai. Chal rahi unit ko expansion ke liye PMEGP nahi milta. Isme EDP training lena padta hai, working capital 40% se zyada nahi ho sakta, aur ek parivaar ka ek hi sadasya apply kar sakta hai. Tel ghani jaisi village oil activity PMEGP mein aati hai ya nahi, yeh DIC ya KVIC se likhit mein confirm karo. Poori jaankari: https://mudraready.in/blog/pmegp-loan-kaise-milega-2026 aur project report ke liye https://mudraready.in/pmegp-project-report
RAASTA 2: PMFME
PMFME (PM Formalisation of Micro Food Processing Enterprises) micro food processing units ko 35% credit-linked subsidy deta hai, maximum Rs.10 lakh per unit, aur applicant ko kam se kam 10% khud lagana padta hai. Yeh scheme mukhya taur par chal rahe micro food units ke liye hai, aur naye units ke liye kuch states mein sirf wo activity eligible hoti hai jo district ke ODOP se judi ho.
Ek zaroori chetavani: is scheme ko September 2026 tak extend kiya gaya tha, aur May 2026 mein food processing ministry ne revised norms ke saath 5 saal ke extension ka proposal rakha. Aaj ki tareekh mein uska status pmfme.mofpi.gov.in par confirm karo, phir hi planning isi par tikao.
RAASTA 3: NMEO-Oilseeds (National Mission on Edible Oils-Oilseeds)
Ek news report ke hisaab se Bihar ke Jehanabad zile mein ek 10-tonne oil mill ke liye NMEO-Oilseeds ke under subsidy ki baat aayi, jahan Rs.25 lakh ke unit par 33% subsidy aur Rs.9.90 lakh tak ka figure bataya gaya. Do cheezein dhyan se: pehla, report mein yeh offer FPO, startup aur cooperative jaise organisations ke liye thi, individual ke liye nahi. Doosra, report ke figures aapas mein exactly match nahi karte (33% of Rs.25 lakh = Rs.8.25 lakh), isliye exact norm official notice se dekhna zaroori hai. Yeh ek state-level, district-level aur deadline wali baat thi. Apne zile ke agriculture ya horticulture department se poochho ki aapke yahan aisi koi scheme chal rahi hai ya nahi.
RAASTA 4: Mudra (PMMY)
Mudra ki categories aaj ke hisaab se: Shishu (50,000 tak), Kishor (50,001 se 5 lakh), Tarun (5 se 10 lakh) aur Tarun Plus (10 se 20 lakh, sirf unke liye jinhone pehle Tarun loan successfully chuka diya ho). Budget 2024-25 ke baad Mudra loans ka guarantee cover CGFMU (Credit Guarantee Fund for Micro Units) ke under Rs.20 lakh tak ke loans par hai. Mudra ka interest rate fixed nahi hota; lender tay karta hai. Ek 2026 ki explainer ke hisaab se Tarun aur Tarun Plus par aam taur par 11.15% se 20% ke beech rate dikhte hain. Mudra mein koi capital subsidy nahi milti.
Table 3: Chaaron raaston ka tulna
| Point | PMEGP | PMFME | NMEO-Oilseeds (report ke hisaab se) | Mudra |
|---|---|---|---|---|
| Kya milta hai | Loan + margin money subsidy | Loan + 35% subsidy | Capital subsidy | Term loan + working capital |
| Kaun | Individual, SHG, naya project | Chal rahe micro units (naye mein ODOP) | FPO, cooperative, startup | Individual, chhote units |
| Subsidy | 15% se 35% | 35% (max Rs.10 lakh) | Report mein 33%, norm confirm karo | Nahi |
| Maximum | Rs.50 lakh (manufacturing) | Subsidy max Rs.10 lakh | Report mein Rs.9.90 lakh tak | Rs.20 lakh tak |
| Zaroori shart | EDP, DIC/KVIC | Status live | Zile / state ki scheme | Repayment capacity, DSCR |
Is table se ek nateeja nikalta hai: agar aap ek individual ho aur naya oil mill lagate ho, to PMEGP aur Mudra aapke liye pehle raaste hain. Agar aap FPO ya cooperative ke sadasya ho, to NMEO jaisi schemes dekho. PMFME ka status pehle confirm karo.
6. PMEGP mein subsidy kitni
Maan lo aapka project Rs.10 lakh ka hai. Is par PMEGP subsidy ka asar udaharan se dekho:
Table 4: Rs.10 lakh ke oil mill par PMEGP subsidy (udaharan)
| Category aur area | Subsidy % | Subsidy (Rs.) | Apna yogdaan |
|---|---|---|---|
| General, shehar | 15% | 1,50,000 | 10% = 1,00,000 |
| General, gaon | 25% | 2,50,000 | 10% = 1,00,000 |
| Special, shehar | 25% | 2,50,000 | 5% = 50,000 |
| Special, gaon | 35% | 3,50,000 | 5% = 50,000 |
Subsidy aam taur par bank ke through margin money ke roop mein aati hai aur loan account mein adjust hoti hai. Exact timing aur lock-in apne bank aur KVIC portal se confirm karo.
Matlab oil mill loan par category aur area ka sahi fayda lene se bank ka bojh kaafi ghat sakta hai. General shehar mein Rs.9 lakh ke loan par Rs.1.5 lakh ki subsidy ke baad net bojh lagbhag Rs.7.5 lakh ka rehta hai, jabki special gaon mein Rs.9.5 lakh ke loan par Rs.3.5 lakh ki subsidy ke baad lagbhag Rs.6 lakh. Application mein category aur area saaf likho, kyunki beech mein badalna aksar mumkin nahi hota.
7. Kamai aur DSCR: sarson ke daam aur tel ke daam ka khel
DSCR (Debt Service Coverage Ratio) ka matlab hai: aapka business saal bhar mein jitna cash banata hai, wo saal bhar ki kisht (principal plus interest) ke kitne guna hai. Bank minimum 1.25 maanta hai, jab tak uska apna rule alag na ho.
Tel ghani loan ke DSCR ki khaas baatein:
- Oil mill ki kamai seed kharidne ke daam aur tel plus khali bechne ke daam ke beech ke spread se aati hai. Seed mahenga hua ya tel sasta bika, to spread turant sikud jaata hai. Isliye oil mill loan ka DSCR sabse zyada seed aur tel ke daam par tika hota hai.
- Khali (oil cake) bhi kamai ka hissa hai. Ise cattle feed ke roop mein bechte hain. Iska daam bhi project report mein dikhao.
- Hum yahan mante hain ki 300 kilo seed se lagbhag 99 kilo tel (33% recovery), 195 kilo khali aur 6 kilo nuksaan hota hai (udaharan). Recovery seed aur machine ke hisaab se alag hoti hai.
- Owner ka khud ka kaam bhi ek kharcha hai. Isliye hum mahine ka Rs.15,000 owner drawing maan rahe hain.
- Interest ko double count nahi karna. EMI mein interest pehle se hota hai.
Table 5: Mahine ki kamai aur kharcha (udaharan)
| Item | Rupaye (mahina) |
|---|---|
| Tel ki bikri: 99 kg x Rs.170 x 26 din | 4,37,580 |
| Khali ki bikri: 195 kg x Rs.28 x 26 din | 1,41,960 |
| Kul bikri | 5,79,540 |
| Sarson ka kharcha: 300 kg x Rs.58 x 26 din | 4,52,400 |
| Spread (bikri minus sarson) | 1,27,140 |
| Labour (2 log) | 18,000 |
| Bijli | 8,320 |
| Packing: 99 kg x Rs.8 x 26 din | 20,592 |
| Kiraya | 8,000 |
| Transport aur marketing | 10,000 |
| Chhote kharche aur repair | 4,000 |
| Owner drawing | 15,000 |
| Total baaki kharcha | 83,912 |
| Operating profit (interest aur depreciation se pehle) | 43,228 |
Saal ka operating profit = Rs.43,228 x 12 = Rs.5,18,736 (udaharan). Dhyan do: Rs.5.8 lakh ki bikri mein se sarson ka kharcha Rs.4.5 lakh ka hai, yaani spread sirf lagbhag 22% hai. Isliye chhote daam badlav bhi bade ho jaate hain.
Table 6: DSCR working, Rs.9 lakh loan, 11%, 5 saal (udaharan)
| Item | Rupaye (Year 1) |
|---|---|
| Operating profit | 5,18,736 |
| Depreciation (udaharan) | 70,000 |
| Interest, pehle saal | 91,939 |
| Net profit (tax nil maan kar) | 3,56,797 |
| Numerator: Net profit + Depreciation + Interest | 5,18,736 |
| Principal, pehle saal | 1,42,879 |
| Annual EMI = Principal + Interest | 2,34,818 |
| Denominator: Annual EMI (interest dobara nahi joda) | 2,34,818 |
| DSCR = 5,18,736 / 2,34,818 | 2.21 |
Dhyan do: denominator mein sirf annual EMI hai, jisme interest pehle se shamil hai. Alag se interest jodne par DSCR galat (kam) dikhega. Yahan sab kuch udaharan hai, aur bank working capital ko alag cash credit limit mein de sakta hai, tab DSCR thoda alag banega.
Ab asli test. Oil mill mein sabse bada jhatka daam se aata hai. Chaliye dekhte hain agar seed 5 ya 10% mahenga ho, ya tel 5 ya 10% sasta bike. Baaki sab wahi rehta hai.
Table 7: Sensitivity, daam badalne par DSCR (udaharan)
| Situation | Cash accrual (Rs./saal) | DSCR, 5 saal (EMI 2,34,818) | DSCR, 7 saal (EMI 1,84,922) |
|---|---|---|---|
| Base | 5,18,736 | 2.21 | 2.81 |
| Seed 5% mahenga | 2,47,296 | 1.05 | 1.34 |
| Seed 10% mahenga | -24,144 | -0.10 | -0.13 |
| Tel 5% sasta | 2,56,188 | 1.09 | 1.39 |
| Tel 10% sasta | -6,360 | -0.03 | -0.03 |
Oil mill loan ke liye padho isse: seed sirf 5% mahenga hone par 5 saal wale loan ka DSCR 1.05 par aa jata hai, jo 1.25 ke minimum se neeche hai. Wahi loan 7 saal ka ho, to DSCR 1.34 rehta hai. 10% badlav par kamai khatam ho jaati hai. Yaani oil mill mein tenure se zyada zaroori daam ka risk sambhalna hai: fasal ke time seed ka stock, khali ka sahi daam, aur kachi ghani jaisa premium tel seedha customer ko bechna. Project report mein yeh sensitivity khud dikha do. Bank officer ko lagta hai ki aapne risk socha hai.
DSCR par aur gehri jaankari: https://mudraready.in/blog/dscr-calculation-for-mudra-loan aur apna DSCR khud check karo: https://mudraready.in/dscr-calculator
8. EMI table: 11% par kitna bojh
Tel ghani loan ki EMI ke liye 11% udaharan rate liya gaya hai. Aapka asli rate bank ke hisaab se alag hoga, aur tenure bhi.
Table 8: EMI aur total interest (11%, udaharan)
| Loan amount | Tenure | Monthly EMI | Total interest |
|---|---|---|---|
| Rs.2,00,000 | 5 saal | Rs.4,348 | Rs.60,909 |
| Rs.5,00,000 | 5 saal | Rs.10,871 | Rs.1,52,273 |
| Rs.9,00,000 | 5 saal | Rs.19,568 | Rs.2,74,091 |
| Rs.9,00,000 | 7 saal | Rs.15,410 | Rs.3,94,456 |
| Rs.10,00,000 | 7 saal | Rs.17,122 | Rs.4,38,285 |
Tel ghani loan mein tenure 7 saal karne se EMI ghatti hai (Rs.9 lakh par Rs.4,158 mahina), par total interest lagbhag Rs.1.2 lakh zyada ho jata hai. Oil mill jaise business mein, jahan daam upar-neeche hote hain, kam EMI aksar zyada kaam ki hoti hai. Apne numbers daal ke dekho: https://mudraready.in/business-loan-emi-calculator
9. Documents ki list
Table 9: Documents (udaharan, bank ke hisaab se badal sakta hai)
| Document | Kahan se | Mandatory? |
|---|---|---|
| Aadhaar aur PAN | Aapke paas | Haan |
| Passport size photo | Photo studio | Haan |
| Jagah ka ownership proof ya registered rent agreement | Owner / sub-registrar | Haan |
| Udyam registration | udyamregistration.gov.in (free) | Haan |
| FSSAI registration ya licence | foscos.fssai.gov.in | Haan |
| Project report (cost, income, DSCR, sensitivity) | Khud ya MudraReady | Haan, sabse pehle dekhi jaati hai |
| Machine ki quotation | Dealer | Haan |
| Bank statement, 6 mahine | Aapka bank | Haan |
| EDP training certificate | KVIC / DIC approved agency | PMEGP ke liye |
| Caste certificate, agar category ka fayda lena ho | Tehsil / SDM | Sirf us case mein |
| Industrial bijli connection ka proof | Bijli vibhag | Haan |
| Trade licence / municipal NOC | Nagar palika | State ke hisaab se |
| Pollution board consent | State board | State ke hisaab se |
| GST registration | GST portal | Turnover ke hisaab se |
Name, address aur date of birth har kagaz mein bilkul same rakho. Chhoti galti bhi baad mein badi dikkat bana deti hai.
10. Step-by-step process
Step 1: Pehle tay karo ki kaunsa seed peeloge aur kaunsi machine lagaoge: kachi ghani ya expeller. Isse cost aur bikri ka plan badalta hai.
Step 2: Tel ghani loan ke liye raaston mein se ek chuno: PMEGP, PMFME ya Mudra. Agar FPO ya cooperative ke sadasya ho, to NMEO jaisi schemes ke liye zile ke agriculture department se poochho.
Step 3: DIC ya branch manager se poochho ki oil mill unke yahan kis product mein sanction hota hai. Likhit mein jawab lo.
Step 4: FSSAI aur Udyam registration karo. Inke bina bank aage nahi badhta.
Step 5: Dealer se machine ki written quotation lo. Jagah aur 3-phase bijli final karo.
Step 6: Project report banao: cost, income, DSCR, sensitivity. Pehli report free banti hai: https://mudraready.in/reports/new
Step 7: PMEGP ke liye KVIC portal par online application do aur EDP training book karo. PMFME ke liye pmfme.mofpi.gov.in par status check karo. Mudra ke liye seedha bank mein.
Step 8: Bank mein oil mill loan ki application do aur apna CIBIL score pehle se check kar lo.
Step 9: Sanction ke baad machine lagao, photo lo aur bills sambhal ke rakho. Verification mein yehi kaam aata hai.
Step 10: Har 10 se 15 din mein bank aur DIC se status pooch lo, aur subsidy ka timeline likhit mein lo.
11. MudraReady project report: ek line mein
Agar aap oil mill loan ke liye oil mill project report khud likhne mein atak rahe ho, to MudraReady par apne unit ke numbers daalkar bank-ready report 10 minute mein bana sakte ho. Pehli report free hai.
Rejection Ke Udaharan: Bank Ne Kya Kaha Aur Fix Kya Hai
Yeh cases udaharan ke liye hain.
Case 1: Suresh, 39, Bharatpur
Kya hua: Usne akhbaar mein padhi 33% oil mill subsidy ke liye individual ke roop mein apply kar diya.
Bank ne kya kaha: "Yeh scheme FPO ya cooperative jaise organisations ke liye hai. Individual ke roop mein eligible nahi lagta."
Exact fix: Scheme ki shart padho. Agar FPO ya cooperative ke sadasya ho to us route se jao. Warna individual ke roop mein PMEGP ya Mudra ka raasta lo.
Case 2: Kamla, 44, Sagar
Kya hua: Usne bina FSSAI ke tel ki bottle bechna shuru kar diya, label par koi licence number nahi tha.
Bank ne kya kaha: "FSSAI ke bina hum sanction nahi kar sakte."
Exact fix: Production shuru karne se pehle FSSAI registration karo aur label par FSSAI number, net quantity aur MRP likho. Bina licence ke edible oil bechna kanooni jokhim hai.
Case 3: Bhola, 52, Muzaffarpur
Kya hua: Uske project report mein sarson ka rate fixed tha. Lean season mein seed 8% mahenga hua aur DSCR 1 se neeche aa gaya.
Bank ne kya kaha: "Seed ke daam badhne par kisht nahi niklegi. Sensitivity kahan hai?"
Exact fix: Sensitivity table report mein khud dikhao, tenure 7 saal karo, fasal ke time stock karne ka plan likho, aur khali ke sahi daam ka hisaab dikhao.
Case 4: Zahid, 30, Aligarh
Kya hua: Usne sirf machine ka kharcha dikhaya. Seed ka stock aur packing ka working capital project mein tha hi nahi.
Bank ne kya kaha: "Pehle cycle ka kaccha maal kahan se aayega? Project adhoora hai."
Exact fix: Project cost mein working capital jodo: seed ka stock, packing material, FSSAI aur buffer. PMEGP mein working capital 40% se zyada na ho, yeh bhi dhyan rakho.
Case 5: Vikas, 25, Rewa
Kya hua: Usne 1-phase connection wali dukaan mein 2 expeller machine lagane ka plan banaya.
Bank ne kya kaha: "Machine ke liye industrial 3-phase connection aur sanctioned load ka proof chahiye."
Exact fix: Bijli vibhag mein industrial connection ki application do aur transformer ya load ka kharcha project cost mein jodo. Jagah chunne se pehle bijli ki availability dekh lo.
Aur bhi aam reasons ke liye padho: https://mudraready.in/blog/why-banks-reject-mudra-loans
Fraud Se Kaise Bachein
Mudra ya sarkari loan ke naam par fake call, WhatsApp, letter aur "processing fee" ka fraud chal raha hai. "Oil mill par turant subsidy" jaisi khabron ke naam par bhi form fee aur registration fee maangne wale jaal chalte hain.
- Mudra koi agent ya middleman appoint nahi karta.
- Approval WhatsApp ya social media se nahi aata.
- Loan sirf bank, NBFC ya MFI ke through milta hai, aur approval ke liye koi advance fee nahi lagti.
- Subsidy ya "loan release fee" ke naam par koi paisa maange to samajh jao fraud hai.
Kya karein:
- Paisa mat bhejo.
- OTP, Aadhaar ya bank details share mat karo.
- Branch mein ja kar verify karo.
- cybercrime.gov.in ya 1930 par report karo.
Poori guide: https://mudraready.in/blog/mudra-loan-fraud-fake-call-whatsapp
Myths vs Facts
Myth 1: Akhbaar mein jo oil mill subsidy aayi, wo sab ko mil jaati hai.
Sach 1: Ek news report mein wo offer FPO, startup aur cooperative jaise organisations ke liye thi, aur ek zile ke liye. Individual ko eligibility scheme ki shart dekhkar hi pata chalti hai.
Myth 2: PMEGP chal rahi ghani ko bhi milta hai.
Sach 2: PMEGP sirf naye project ke liye hai. Chal rahi unit ko expansion ke liye PMEGP nahi milta.
Myth 3: Tel bechne ke liye FSSAI baad mein bhi ho jayega.
Sach 3: Edible oil ek food product hai, aur FSSAI registration ya licence production aur bikri se pehle zaroori hai. Bank bhi sanction se pehle yeh kagaz maangta hai.
Myth 4: Oil mill loan lene ke baad oil mill mein hamesha acha margin milta hai.
Sach 4: Oil mill ki kamai seed aur tel ke daam ke spread par tiki hoti hai. Seed 5% mahenga hone par 5 saal wale loan ka DSCR 1.05 tak gir sakta hai. Isliye bank sensitivity dekhta hai.
Myth 5: PMFME ab bhi 35% subsidy deta hai, aur sab ko deta hai.
Sach 5: PMFME ka status extension ke daur mein hai, aur eligibility alag hai. Aaj ki tareekh mein pmfme.mofpi.gov.in par confirm karo. Naye units ke liye ODOP ki shart ho sakti hai.
Myth 6: Project report sirf formality hai.
Sach 6: Bank sabse pehle project report se hi samajhta hai ki aapka plan kitna socha hua hai. Cost, DSCR, sensitivity aur seed ka plan saaf hon to baat aage badhti hai.
FAQs
Oil mill loan kaise milta hai?
Pehle DIC ya branch manager se poochho ki oil mill unke yahan PMEGP, Mudra ya doosre kaunse product mein sanction hota hai. Phir project report, FSSAI, Udyam, Aadhaar, PAN, jagah ke kagaz aur machine quotation ke saath apply karo. Rate aur tenure bank tay karta hai.
Tel ghani loan ke liye kitna loan mil sakta hai?
PMEGP mein manufacturing ke liye maximum project cost Rs.50 lakh hai. Mudra mein Shishu 50,000 tak, Kishor 50,001 se 5 lakh, Tarun 5 se 10 lakh aur Tarun Plus 10 se 20 lakh (sirf Tarun chukane waalon ke liye). Chhote unit ke liye aam taur par Rs.5 se 10 lakh ka project hota hai.
Oil mill mein PMEGP subsidy kitni milti hai?
General category mein shehar mein 15% aur gaon mein 25%; special category mein shehar mein 25% aur gaon mein 35%. Apna yogdaan 10% (general) ya 5% (special). Yeh sirf naye project par milta hai. Tel ghani ki eligibility DIC ya KVIC se likhit mein confirm karo.
Kya oil mill ke liye PMFME mil sakta hai?
PMFME micro food processing units ke liye 35% credit-linked subsidy deta hai, maximum Rs.10 lakh per unit, aur yeh mukhya taur par chal rahe units ke liye hai. Scheme ka aaj ka status pmfme.mofpi.gov.in par check karo, kyunki extension aur revised norms ki baat chal rahi hai.
Kya oil mill ke liye NMEO-Oilseeds subsidy mil sakti hai?
Ek news report mein Bihar ke ek zile ke liye 10-tonne oil mill par 33% subsidy ki baat aayi, par wo FPO, startup aur cooperative jaise organisations ke liye thi. Individual ke liye eligibility alag ho sakti hai. Apne zile ke agriculture department se official notice ke saath confirm karo.
Kya tel ghani ke liye FSSAI zaroori hai?
Haan. Edible oil banana ek food-manufacturing activity hai, isliye FSSAI registration ya licence zaroori hai, aur bank sanction se pehle yeh kagaz maangta hai. Turnover ke hisaab se registration ya state licence lagta hai. Exact seema foscos.fssai.gov.in par confirm karo.
Oil mill ka DSCR kitna hona chahiye?
Aam taur par bank minimum 1.25 maanta hai, par yeh bank aur scheme ke hisaab se badal sakta hai. Oil mill mein seed aur tel ke daam ka spread patla hota hai, isliye bank sensitivity dekhta hai. Seed ka stock, tenure aur khali ka daam DSCR badalte hain.
Oil mill par EMI kitni aati hai?
11% par Rs.9 lakh ke loan ki EMI 5 saal mein Rs.19,568 aur 7 saal mein Rs.15,410 aati hai (udaharan). Asli rate bank tay karta hai, isliye apne bank se rate pooch kar EMI calculator mein check karo.
Kachi ghani aur expeller mein loan ke liye kaunsa behtar hai?
Kachi ghani mein tel premium daam par bik sakta hai, par recovery aur capacity aksar kam hoti hai. Expeller mein recovery zyada hoti hai, par daam commodity jaisa rehta hai. Bank ko apna bikri plan aur DSCR dikhao, aur apne ilaake ke customer ke hisaab se chuno.
Kya sirf job-work ke liye bhi oil mill lagaya ja sakta hai?
Haan, job-work mein kisan apna seed laate hain aur aap peesne ka charge lete ho. Isme seed khareedne ka working capital aur daam ka risk kam rehta hai. Charge ka rate apne ilaake mein pooch kar project report mein dikhao. Bank ko customers ki guarantee ya agreement dikhana madadgaar hota hai.
Conclusion
Rampal ne aakhir mein pehle zile ke agriculture department aur DIC se poochkar tay kiya ki uske liye kaunsa darwaza khula hai. Usne FSSAI aur Udyam pehle kiye, project report mein seed aur tel ke daam ki sensitivity khud dikhai, aur ek hi scheme ka raasta chuna. Chhe mahine baad Alwar ke us gaon mein ghani chali, aur uske apne khet ki sarson uske apne naam ke tel mein badal gayi.
Uski galti paise ki kami nahi thi. Galti thi ek khabar padhkar bina shart dekhe daudne ki. Aap sirf itna yaad rakho: pehle shart padho, phir licence, phir hisaab, phir bank ke saamne jao.
Aapke business ke liye bank-ready project report sirf 10 minute mein, Rs.499 mein. Pehli report free.
Sources
- Mudra (PMMY) official: https://www.mudra.org.in
- PMEGP official portal (KVIC): https://www.kviconline.gov.in/pmegpeportal
- PMFME official portal: https://pmfme.mofpi.gov.in
- PMFME extension news (May 2026): https://www.thehitavada.com/Encyc/2026/5/23/food-processing-industries-ministry-seeking-pmfme-scheme-extension-with-revised-norms.html
- NMEO-Oilseeds oil mill subsidy news report (Jehanabad, Bihar; secondary): https://patnapress.com/jehanabad-oil-mill-subsidy-2026-apply-september-15/
- FSSAI licensing portal: https://foscos.fssai.gov.in
- Udyam registration: https://udyamregistration.gov.in
- Mudra loan limit Rs.20 lakh, Tarun Plus aur CGFMU cover: https://businessworld.in/article/mudra-loan-limit-doubled-to-rs-20-lakh-in-line-with-budget-notification-537310
- Mudra interest rate explainer 2026: https://www.bajajfinserv.in/insights/pradhan-mantri-mudra-loan-interest-rate
- Cyber crime reporting: https://cybercrime.gov.in
Disclaimer
Yeh jaankari sirf shiksha ke liye hai. Loan approval bank ki policy, aapki repayment capacity aur documents par depend karta hai. MudraReady koi loan nahi deta aur approval ki guarantee nahi deta. Scheme ke rules badal sakte hain, apne bank ya official website se confirm karein.
Last Updated: October 2026
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