Project Report For KVIC Loan

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What Is KVIC Loan?

Creating a raw material stockpile and putting it into action to supply manufacturers Establishment of shared service facilities for the processing of raw materials, including semi-finished items Selling and selling Khadi and Village Industries items, as well as handicrafts Promoting sector-related production techniques and equipment research in village industries Financial aid is provided to people and organisations for the development and operation of the Khadi and Village industries.


The Khadi and Village Industries Commission (KVIC) was established as an apex body under the Ministry of Micro, Small, and Medium Enterprises to help plan, promote, facilitate, organise, and aid in the development of Khadi and Village Industries in rural India in collaboration with other rural development agencies.

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KVIC Loan Details

  • The Bank will approve the project cost of 90% in case of general category beneficiaries/institutions & 95% for special category beneficiaries/institutions, and release the whole amount for project setup.

  • The bank would fund Capital Expenditure through Term Loans & Working Capital via cash credit.

  • Payable at usual rate of interest After such an initial moratorium, the repayment plan may vary from 3 to 7 years, depending on the bank/financial institution.

KVIC Loan Eligibility

  • The following entities are eligible for a KVIC loan: Individuals of at least 18 years of age with an eighth-grade pass certificate, Self-Help Groups (SHGs), Registered and Co-operative Societies, Charitable Trusts, and a variety of other organisations.

  • Individuals above the age of 18 who have completed at least class eight: Rs.10 lakhs for a manufacturing unit 5 lakh for the service unit.

  • KVIC stands for Khadi and Village Industries Commission, and it oversees many funding schemes/programs through which public and private sector banks issue business or working capital loans to qualified borrowers.


Documents Needed For KVIC Loan

  • Borrowers’ various KYC documents
    To be eligible for one of the specialised categories, you must have a caste or community certificate.
    Subsidy claim according to eligibility.
  • Certified copy of the society’s or association’s bylaws.
  • A copy of the premises’ or shed’s rent or lease deed that is no more than three years old.
    The project report specifies the cost for one cycle, including a breakdown of capital expenditure and working capital requirements.
  • If there is no requirement for operating capital, a certificate from the bank’s controlling office is required.