11.1 Executive Summary
Project Name: Smart Food Drying Micro Enterprise using SNL Heat Pump Technology
Promoter: (Example) Mrs. Meena Sharma – Homemaker turned Food Drying Entrepreneur
Location: Jaipur Urban Cluster
Total Project Cost: ₹ 5 lakh
Technology Partner: SNL Innovations Pvt Ltd.
Objective: To set up a 20 kg modular heat pump dryer unit for drying fruits, vegetables, spices and cooked foods using energy-efficient, IoT-enabled cold-drying technology.
Employment: Self + 1 family member
Payback: 12 months
💬 “A machine as simple as a fridge, but earning like a factory.”
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11.2 Project Highlights Table
| Particular | Details |
| Project Cost | ₹ 5,00,000 |
| Promoter’s Contribution | ₹ 1,40,000 (28 %) |
| Bank Loan | ₹ 2,60,000 (52 %) |
| Government Subsidy (PM-FME) | ₹ 1,00,000 (20 %) |
| Annual Turnover | ₹ 6 – 8 lakh |
| Annual Net Profit | ₹ 2.5 – 3 lakh |
| Break-Even Point | 10 – 12 months |
| Employment Generated | 2 persons (family-run) |
| Environmental Impact | Zero fuel, low power use (~2.5 units/hr) |
| Social Impact | Women & Senior Citizen friendly home enterprise |
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11.3 Financial Snapshot
| Year | Turnover (₹) | Operating Cost (₹) | Net Profit (₹) |
| 1 | 6,00,000 | 3,75,000 | 2,25,000 |
| 2 | 7,50,000 | 4,20,000 | 3,30,000 |
| 3 | 9,00,000 | 5,10,000 | 3,90,000 |
💬 Bank ROI: > 25 % within first year – highly viable for micro-finance lending.
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11.4 Regulatory & Compliance Checklist
| Requirement | Status | Support Source |
| Udyam/MSME Registration | To be applied | District Industry Centre |
| FSSAI Food License | Essential – small unit registration mode | Online @ www.fssai.gov.in |
| Local Trade License / NOC | Ward level approval | Municipal Body |
| GST Registration | Recommended once turnover > ₹ 20 L | CA or online portal |
| Bank Current Account | Mandatory for PM-FME loan | Any Nationalized Bank |
| Pollution Consent | Not required – non-emission equipment | Self-Declaration |
💬 All licenses are simple one-time applications handled digitally within 7–15 days.
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11.5 Attachments / Annexures Checklist
1️⃣ Detailed Cost Sheet – Item-wise break-up of ₹ 5 lakh project
2️⃣ Financial Projections (3 Years) – Turnover, cost & profit tables
3️⃣ Machinery Quotation – SNL Innovations authorized model specs
4️⃣ Training & AMC Letter – Support commitment from SNL
5️⃣ Sample Product Photos – Tomato flakes, chilli powder, cooked food mix
6️⃣ Promoter Profile – Skill certificate / motivation note
7️⃣ Cluster Endorsement (If any) – SHG or FPO recommendation
8️⃣ Energy Efficiency Certificate – Heat pump test data
💬 When submitted together, these make the proposal bank-ready in one file.
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11.6 Example Template for Loan Officer Summary
Project Title: Smart Heat Pump Food Drying Unit
Promoter: Mrs. Meena Sharma, Jaipur
Purpose: Food processing and waste-reduction enterprise
Project Cost: ₹ 5 lakh (Loan ₹ 2.6 lakh, Subsidy ₹ 1 lakh, Own ₹ 1.4 lakh)
Expected Income: ₹ 25,000 – ₹ 30,000 net per month
Employment: Self + Family Member
Repayment Period: 3 years max
Collateral: Machine hypothecation
Risk Level: Low – stable cash flow, essential commodity segment
💬 This template helps bank officials copy-paste key points directly into their loan sanction forms.
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11.7 Sample Use Case – PM-FME Scheme
Applicant: Mrs. Sunita Chaudhary, Age 42, Sikar (Rajasthan)
Project: Home-based Heat Pump Drying of Vegetables & Cooked Snacks
Investment: ₹ 5 lakh (₹ 1.4 lakh own + ₹ 2.6 lakh loan + ₹ 1 lakh subsidy)
Monthly Turnover: ₹ 55,000
Profit: ₹ 23,000
Repayment: ₹ 7,500 per month – fully paid in 20 months
Impact: Created 2 local jobs and saved > 5 tonnes of vegetables from spoilage in one season.
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11.8 Why Authorities Should Support This Project
• Direct Fit to PM-FME Goals: Local processing + women empowerment + waste reduction.
• Minimal Infrastructure Need: Runs on domestic connection – no land approval issues.
• Replicable Model: Thousands can adopt quickly with SNL support network.
• Immediate Visible Impact: Employment, food security, climate benefit.
💬 “Ek simple machine jo gaon-gaon mein naukri, poshan aur paryavaran ka mila-jula hal hai.”
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11.9 Contact & Support
Technology Provider: SNL Innovations Pvt Ltd.
Support Includes: Machine Installation | Training | AMC | SNL Network App Access
Bank Liaison Help: Pre-formatted DPR, cost estimates and annexures available on request.
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💬 In Simple Words
This project isn’t asking for charity — it’s asking for a chance.
Every ₹ 1 invested creates ₹ 3 in local value, saves food, and builds confidence.
It’s clean, green and gender-inclusive. It turns *“waste into worth” and “learners into earners.”
💚 “Yeh loan nahi, lokal renaissance ka investment hai.”
