MINISTRY OF SOCIAL JUSTICE AND EMPOWERMENT (MoSJE)
MICRO-ENTERPRISE FEASIBILITY & FINANCIAL STRUCTURING DOSSIER
Generated via SAARTHI AI Platform • Smart India Hackathon 2026 (Problem Statement SIH26091)
Term Loan
Ref: SRTH-2026-JH-kanke
1. Proposed Enterprise & Geospatial Setting
Enterprise Sector:
Dairy Farming & Processing
Target Village & Block:
Kanke, Kanke Block, Ranchi
5 km Catchment Population:
42,500 residents
Geographic Coordinates:
23.4316°N, 85.3218°E
2. Deterministic Financial Structuring (SIH26091 Norms)
| Entrepreneur Available Margin: | ₹1,00,000 (10% Equity) |
| Total Permissible Project Cost: | ₹10,00,000 |
| Indicative Loan Amount (90% Financing): | ₹9,00,000 |
| Auto-Routed Scheme Tier: | Term Loan @ 8% p.a. |
| Total Tenure & Grace: | 7 Years with 6 Months Moratorium Period |
| Monthly Moratorium Simple Interest: | ₹6,000/mo |
| Post-Grace Active Repayment EMI: | ₹14,834.86/mo (78 active installments) |
3. Multi-Scenario Sensitivity Stress Testing (DSCR)
Conservative ScenarioDSCR: 0.78x₹-3,334.86/mo Surplus
Expected ScenarioDSCR: 2.36x₹20,165.14/mo Surplus
Optimistic ScenarioDSCR: 3.27x₹33,665.14/mo Surplus
NOTICE: Indicative financial projection generated under SIH26091 assumptions. Formal sanction requires credit verification under applicable NBCFDC / NSFDC / state implementing agency guidelines.