Custom Milling Unit for FPO 2026 – Rs.8 Lakh PMFME Subsidy
| Scheme Name | PMFME – Pradhan Mantri Formalisation of Micro Food Processing Enterprises |
| Ministry | Ministry of Food Processing Industries (MoFPI), Govt. of India |
| Subsidy Amount | 35% of eligible project cost — approximately Rs.8 lakh on Rs.23 lakh project |
| Maximum Subsidy (Individual) | Rs.10 lakh per unit |
| FPO/SHG/Cooperative (Common Infra) | 35% up to Rs.3 crore |
| Beneficiary Contribution | Minimum 10% of project cost |
| Loan Repayment Period | Maximum 10 years (6–24 months moratorium) |
| Minimum Age | 18 years |
| Education | Minimum 8th class pass |
| Official Portal | pmfme.mofpi.gov.in |
| Monthly Profit (Dal Mill) | Rs.60,000 – Rs.70,000 (PMFME model DPR) |
Custom milling unit for FPO banana ab pehle se kahin zyada aasaan ho gaya hai — PMFME scheme 2026 ke zariye ek FPO ya micro entrepreneur Rs.8 lakh tak ka government subsidy paake apna grain milling business shuru kar sakta hai. Yeh centrally sponsored scheme MoFPI dwara chalaya jata hai aur iska maqsad hai 2 lakh micro food processing units ko formalize karna aur unhe organized supply chain se jodna. Agar aap Farmer Producer Organization (FPO), SHG ya individual entrepreneur hain aur Rs.23 lakh ke project mein sirf Rs.2.3 lakh apni jeb se lagake Rs.8+ lakh subsidy lena chahte hain, toh yeh guide aapke liye hi hai. Is post mein hum cover karenge: PMFME subsidy structure, custom milling unit ki poori machinery list aur cost, eligibility criteria, DPR preparation, loan process, monthly profit model, aur step-by-step apply process.
- PMFME Custom Milling Unit 2026 – Scheme Overview
- Subsidy Structure – Kitna Paisa Milega?
- Custom Milling Unit ki Poori Machinery List aur Cost
- Project Cost Breakdown – Rs.23 Lakh Unit Ka Hisaab
- Eligibility – Kaun Apply Kar Sakta Hai?
- Who Should Apply for Custom Milling Unit PMFME?
- Monthly Profit Model – Custom Milling Unit Se Kamaai
- Step-by-Step Apply Process – PMFME Portal
- Custom Milling Unit vs Traditional Atta Chakki – Kya Behtar Hai?
- High-Value Agri Business Terms You Must Know
- FAQ – Custom Milling Unit PMFME Subsidy 2026
PMFME Custom Milling Unit 2026 – Scheme Overview
PMFME (Pradhan Mantri Formalisation of Micro Food Processing Enterprises) ek Centrally Sponsored Scheme hai jo MoFPI ne June 2020 mein Aatmanirbhar Bharat Abhiyan ke hisse ke taur par launch ki thi. Scheme ka total outlay Rs.10,000 crore hai aur expenditure 60:40 ratio mein Centre aur State Governments ke beech share hoti hai (North-Eastern states ke liye 90:10). October 2025 tak 1,62,744 loans sanction ho chuke hain is scheme ke under, aur Bihar ne 2024–25 mein PMFME implementation mein poore desh mein pehla sthan haasil kiya — jo ki Bihar ke FPOs aur farmers ke liye bahut badi baat hai.
Custom milling unit ke liye yeh scheme isliye khaas hai kyunki grain milling India ki sabse purani aur sabse badi agro-processing industry hai — 25,500 crore+ annual turnover ke saath yeh 85 million ton paddy per year process karti hai. Lekin 82,000+ registered milling units mein se zyada tar abhi bhi purani technology aur single hullers par kaam kar rahi hain. PMFME yahi gap bharne ka kaam karti hai — modern machinery, FSSAI registration, aur market linkage ek saath dilake.
PMFME Subsidy Structure – Custom Milling Unit Ke Liye Kitna Paisa Milega?
PMFME ke under custom milling unit ke liye subsidy structure teen categories mein aata hai. Neeche diye table mein poora breakdown dekhen:
| Category | Subsidy Rate | Maximum Subsidy | Project Cost Ceiling | Beneficiary Share |
|---|---|---|---|---|
| Individual / Proprietorship / Partnership | 35% (Credit-Linked) | Rs.10 lakh per unit | Rs.28.57 lakh | Min. 10% |
| FPO / SHG / Producer Cooperative (Capital Investment) | 35% (Credit-Linked Grant) | No unit-level cap (value chain) | As per DPR | Min. 10% |
| Common Infrastructure (FPO/SHG/Cooperative/Govt Agency) | 35% (Credit-Linked) | Rs.3 crore | Rs.10 crore | Min. 10% |
| SHG Seed Capital (Working Capital + Small Tools) | Grant (not loan) | Rs.40,000 per member / Rs.4 lakh per SHG | — | Nil |
| Branding & Marketing Support (FPO/SHG/SPV) | 50% of total expenditure | As per DPR | — | 50% |
Ek practical example: Agar aapka custom milling unit project Rs.23 lakh ka hai toh 35% subsidy = Rs.8.05 lakh. Aapko khud sirf Rs.2.3 lakh (10%) dena hoga. Remaining Rs.12.65 lakh bank loan se aayega. Yeh subsidy directly aapko cash mein nahi milti — bank loan sanction hone ke baad subsidy amount aapke mirror account mein jati hai aur loan ke against adjust hoti hai.
Custom Milling Unit Ki Poori Machinery List Aur Cost 2026
Custom milling unit for FPO ke liye machinery selection capacity aur grain type par depend karti hai. Neeche ek standard 1-ton/hour multi-grain custom milling unit ke liye complete machinery list di gayi hai jo PMFME DPR ke liye eligible hai:
| # | Machinery / Equipment | Capacity / Specs | Approximate Cost (Rs.) | Purpose |
|---|---|---|---|---|
| 1 | Paddy Pre-Cleaner / Grain Cleaner | 1.5–2 ton/hour | Rs.45,000 – Rs.75,000 | Dust, straw, stones remove karna |
| 2 | De-Stoner (Gravity Separator) | 1 ton/hour | Rs.55,000 – Rs.80,000 | Stones aur heavy impurities nikalna |
| 3 | Rubber Roll Sheller (Husker) | 1 ton/hour | Rs.70,000 – Rs.1,20,000 | Paddy se husk nikalna |
| 4 | Paddy Separator | 1 ton/hour | Rs.40,000 – Rs.65,000 | Husked aur unhusked paddy ko separate karna |
| 5 | Rice Whitener / Polisher (Emery) | 1 ton/hour | Rs.90,000 – Rs.1,50,000 | Brown rice se bran remove karke white rice banana |
| 6 | Rice Grader / Rotary Sifter | 1 ton/hour | Rs.50,000 – Rs.80,000 | Size ke hisaab se grain sorting |
| 7 | Bucket Elevator (2 units) | 20–30 ton/hour | Rs.30,000 – Rs.50,000 (pair) | Grain ko vertical transport karna |
| 8 | Dal Mill / Pulse Dehusker (optional) | 500 kg/hour | Rs.85,000 – Rs.1,30,000 | Arhar, chana, moong dal milling |
| 9 | Wheat Flour Mill / Chakki (optional) | 300–500 kg/hour | Rs.60,000 – Rs.1,00,000 | Wheat atta milling |
| 10 | Weighing Scale + Packaging Machine (semi-auto) | 5–25 kg bags | Rs.80,000 – Rs.1,50,000 | Final product packing |
| 11 | Electric Motor + Control Panel (15 HP) | 15 HP, 3-phase | Rs.40,000 – Rs.70,000 | Machinery ke liye power supply |
| 12 | Screw Conveyor / Belt Conveyor | As required | Rs.30,000 – Rs.50,000 | Horizontal grain transfer |
| Total Machinery Cost (Approx.) | Rs.6.75 lakh – Rs.11.70 lakh | — | ||
Note: FPO jo sirf rice ya sirf dal milling karna chahti hai, woh selective machinery purchase karke cost Rs.5–7 lakh mein bhi rakh sakti hai. Multi-grain custom milling unit ke liye Rs.10–12 lakh machinery cost ideal hai jisme dal mill aur packaging unit dono shamil hain.
Custom Milling Unit Project Cost Breakdown – Rs.23 Lakh Model
PMFME DPR ke liye total project cost mein machinery ke alawa civil work, electrical setup, aur pre-operative expenses bhi shamil hoti hain. Neeche ek realistic Rs.23 lakh custom milling unit project ka full breakdown hai:
| Cost Component | Details | Amount (Rs.) | % of Total |
|---|---|---|---|
| Plant & Machinery | Rice cleaner, sheller, polisher, grader, dal mill, packaging unit, elevator, motors | 10,50,000 | 45.6% |
| Civil Construction / Shed | 1,000 sq ft pucca shed, flooring, storage room (max 30% of project cost as per PMFME norms) | 5,00,000 | 21.7% |
| Electrical Installation | 3-phase wiring, control panel, earthing, main connection | 1,50,000 | 6.5% |
| FSSAI + Udyam + GST Registration | Licenses and registrations | 25,000 | 1.1% |
| Working Capital (1st Batch) | Raw material procurement – 10 ton paddy @ Rs.2,200/quintal | 2,20,000 | 9.6% |
| Pre-Operative Expenses | DPR preparation, consultancy, travel, misc. | 55,000 | 2.4% |
| Contingency (5%) | Unforeseen expenses buffer | 1,00,000 | 4.3% |
| Brand + Packaging Design | Logo, bag design, label printing (PMFME branding support eligible) | 2,00,000 | 8.7% |
| Total Project Cost | 23,00,000 | 100% | |
| Finance Component | Amount (Rs.) | Source |
|---|---|---|
| PMFME Subsidy (35%) | 8,05,000 | MoFPI / Bank Mirror Account |
| Beneficiary Contribution (10%) | 2,30,000 | FPO / Applicant khud |
| Bank Term Loan (55%) | 12,65,000 | SBI / PNB / Cooperative Bank |
| Total | 23,00,000 | — |
Eligibility – Custom Milling Unit PMFME Ke Liye Kaun Apply Kar Sakta Hai?
PMFME scheme ke under custom milling unit apply karne ki eligibility neeche di gayi hai. Individual aur group dono categories ke liye alag-alag conditions hain:
| Eligibility Parameter | Individual / Proprietorship | FPO / SHG / Cooperative |
|---|---|---|
| Minimum Age | 18 years | Organization as per MoA |
| Education | Minimum 8th pass | As per member qualification |
| Business Status | Existing micro food processing unit preferred (3+ years for ODOP) | Registered FPO/SHG/Cooperative |
| Income Tax Status | Non-Income Tax payer | Financial viability required |
| Government Employee | Not eligible | Not applicable |
| Family Benefit | 1 person per family only | FPO as single entity |
| Pehli Subsidy | Should not have availed other Central/State subsidy for same unit | Same condition applies |
| SC/ST/Women/Aspirational District | Priority in selection | Priority given |
| ODOP Product Alignment | Preferred (not mandatory post-2023 revision) | Preferred |
| Udyam Registration | Required (can be done simultaneously) | Required |
Who Should Apply for Custom Milling Unit PMFME Scheme?
- 🌾 FPO members jinke paas paddy, wheat ya dal production badi maatra mein hoti hai — yeh log directly apna grain mill karake value addition kar sakte hain aur market mein packaged product bech sakte hain.
- 👩🌾 Mahila SHG groups jo food processing mein involve hain — PMFME mein women entrepreneurs ko special priority milti hai aur Rs.40,000 per member seed capital bhi alag se available hai.
- 🏠 Rural aur semi-urban entrepreneurs jo gaon mein chota milling business shuru karna chahte hain — 8th pass se bhi apply ho sakti hai, koi higher degree ki zarurat nahi.
- 🌱 SC/ST aur aspirational district ke kisan parivaar — PMFME specifically in categories ko priority deta hai; Bihar, UP, Jharkhand ke aspirational districts mein ek special push hai.
- 🤝 Producer cooperatives jo member farmers ka grain common facility mein mill karna chahte hain — inke liye common infrastructure subsidy Rs.3 crore tak hai jo ek badi milling facility banane mein kaam aati hai.
- 📦 Chhote dal ya rice traders jo existing unregistered mill ko FSSAI-registered formal unit mein upgrade karna chahte hain — PMFME ka primary goal yahi formalization hai.
- 🎓 Agri-graduates ya Krishi Vigyan Kendra (KVK) trainees jo apna agri business shuru karna chahte hain — in candidates ke liye bank loan aur subsidy combination ek low-risk entry point deta hai.
- 💼 Udyam-registered micro enterprises jo grain processing mein technology upgrade karna chahte hain — existing unit ke liye bhi PMFME mein machinery upgrade subsidy available hai, nayi unit mandatory nahi.
Custom Milling Unit Monthly Profit Model – Realistic Income Projection
PMFME ke official model DPRs aur PMFME-AP ke published data ke anusar, dal milling unit se Rs.60,000–Rs.70,000 per month income possible hai. Rice milling unit se aur zyada hota hai. Neeche ek realistic monthly profit model hai ek 1 ton/hour custom milling unit ke liye jo 8 hours/day, 25 days/month kaam kare:
| Parameter | Rice Milling | Dal Milling | Combined Unit |
|---|---|---|---|
| Processing Capacity | 8 ton/day (paddy input) | 4 ton/day (raw dal) | Mixed 6 ton/day |
| Monthly Processing (25 days) | 200 ton paddy | 100 ton dal | 150 ton mixed |
| Milling Charge Income | Rs.1.50/kg × 2,00,000 kg = Rs.3,00,000 | Rs.2.00/kg × 1,00,000 kg = Rs.2,00,000 | Rs.5,00,000 |
| By-Product Sales (Husk, Bran, Broken) | Rs.80,000 | Rs.40,000 | Rs.1,20,000 |
| Gross Monthly Revenue | Rs.3,80,000 | Rs.2,40,000 | Rs.6,20,000 |
| Labour Cost (4 workers × Rs.12,000) | — | Rs.48,000 | |
| Electricity (15 HP × 8 hrs × 25 days × Rs.8/unit) | — | Rs.24,000 | |
| Repair & Maintenance | — | Rs.15,000 | |
| Packaging Materials | — | Rs.20,000 | |
| Loan EMI (approx.) | — | Rs.25,000 | |
| Miscellaneous | — | Rs.10,000 | |
| Total Monthly Expenses | — | Rs.1,42,000 | |
| Net Monthly Profit | — | Rs.4,78,000 | |
| Annual Net Income | — | Rs.57.36 Lakh | |
Note: Yeh figures FPO model ke liye hain jahan milling charge + by-product dono hain. Agar FPO apne member farmers ka grain mill karke khud branded rice/dal bechti hai toh value-added product margin 15–20% higher hoti hai. Small individual unit (only custom milling service, no own stock) ke liye realistic monthly net profit Rs.60,000–Rs.1,50,000 hota hai.
Step-by-Step Apply Process – PMFME Custom Milling Unit 2026
- ODOP Product Check Karen: apne district ka PMFME ODOP product pmfme.mofpi.gov.in par check karen. ODOP product ke liye priority milti hai lekin non-ODOP bhi apply ho sakti hai 2023 ke revised guidelines ke baad.
- Udyam Registration Karen: Udyam portal par micro enterprise ke taur par free mein register karen. Yeh PMFME ke liye compulsory document hai. Machinery + equipment cost Rs.1 crore se kam aur annual turnover Rs.5 crore se kam honi chahiye micro category ke liye.
- DPR (Detailed Project Report) Taiyaar Karen: NIFTEM-T dwara PMFME portal par model DPR templates available hain. DPR mein promoter details, machinery list, civil work estimate, means of finance, projected P&L, aur FSSAI plan shamil karen. State Nodal Agency DPR preparation mein Rs.5 lakh tak ki madad deti hai.
- PMFME Portal Par Register Karen: pmfme.mofpi.gov.in par User ID banayein aur dashboard access karen. “Apply Online” select karen aur business details, location, investment, aur ODOP product information fill karen.
- Documents Upload Karen: Aadhaar card, PAN card, bank passbook (first page), Udyam certificate, DPR, land ownership / lease deed, FSSAI application acknowledgement, aur 2 passport photos upload karen.
- District Resource Person (DRP) Verification: Application submit hone ke baad DRP field visit karta hai unit ka verification karne ke liye. DRP aapki application ko District Level Committee (DLC) ke samne present karta hai.
- Bank Loan Application: DLC approval ke baad application tied-up bank (SBI/PNB/BOB/Cooperative) ko jaati hai loan sanction ke liye. Bank independently DPR evaluate karta hai aur collateral/CGTMSE guarantee ke saath loan approve karta hai.
- Subsidy Release: Bank loan disburse hone ke baad PMFME subsidy automatically aapke mirror account mein transfer hoti hai. Yeh loan ka ek portion effectively free ho jaata hai — Rs.8 lakh subsidy directly loan outstanding se adjust hoti hai.
Custom Milling Unit vs Traditional Atta Chakki – Kya Behtar Hai FPO Ke Liye?
| Parameter | Custom Milling Unit (PMFME) | Traditional Atta Chakki |
|---|---|---|
| Capacity | 500 kg – 2 ton/hour (multi-grain) | 50–100 kg/hour (mainly wheat) |
| Government Subsidy | Rs.8 lakh+ (PMFME 35%) | No specific subsidy |
| FSSAI Compliance | Yes – mandatory, easier with scheme support | Often unregistered / informal |
| Grain Types Processed | Paddy, wheat, dal, millets, spices | Mainly wheat, sometimes corn |
| Market Access | Branded packaged product, retail chains, FCI | Local only, no branding |
| Monthly Net Income | Rs.60,000 – Rs.4 lakh (scale dependent) | Rs.15,000 – Rs.30,000 |
| By-Product Revenue | Rice bran, husk, broken grain, dal churi | Very limited |
| Bank Loan Eligibility | Easy (scheme-backed, CGTMSE covered) | Difficult (unorganized sector) |
| Scalability | High – upgrade possible within PMFME norms | Very limited |
High-Value Agri Business Terms – FPO aur PMFME Context Mein
- 🔑 ODOP (One District One Product): PMFME ka core framework jisme har district ka ek identified food processing product hota hai — jaise Muzaffarpur ka makhana, Bijnor ka jaggery. ODOP product ke liye common infrastructure, branding support aur scheme priority milti hai.
- 💰 Credit-Linked Capital Subsidy: Woh subsidy jo sirf bank loan ke through milti hai — direct cash transfer nahi. Custom milling unit ke liye Rs.8 lakh tak yahi mechanism kaam karta hai.
- 📄 DPR (Detailed Project Report): Bank aur DLC ko subsidy ke liye submit hone wala technical-financial document. Custom milling unit ka DPR sahi hona loan approval ki key hai.
- 🏛️ FPO (Farmer Producer Organization): Kisan samuh jo SFAC ya NABARD ke zariye registered hota hai aur collectively farming + processing activities karta hai. FPO custom milling unit ke liye sabse suitable entity type hai.
- 📋 FSSAI License: Food Safety and Standards Authority of India ka license jiske bina packaged food product sell karna illegal hai. Custom milling unit PMFME ke zariye is license ke liye support milta hai.
- 🏦 CGTMSE Coverage: Credit Guarantee Fund Trust for Micro and Small Enterprises — iske under Rs.5 crore tak collateral-free loan MSME units ko milta hai. Custom milling unit ke liye yeh bahut important hai.
- 🌾 Value Addition: Raw grain ko processed, branded product mein convert karna — jaise paddy se basmati rice, arhar se packaged toor dal. Milling unit value addition ki pehli aur sabse important step hai.
- 📦 AIF (Agriculture Infrastructure Fund): Rs.1 lakh crore ki scheme jo post-harvest management ke liye 3% interest subvention deti hai. PMFME ke saath AIF combine karke milling unit ka financing cost aur kam ho sakta hai.
FAQ – Custom Milling Unit PMFME Subsidy 2026
Custom milling unit for FPO ko PMFME scheme mein kitni subsidy milti hai?
PMFME scheme ke under FPOs ko eligible project cost ka 35% credit-linked grant milta hai. Ek typical custom milling unit jiska project cost Rs.23 lakh hai, uspe approximately Rs.8 lakh subsidy (35% of Rs.23 lakh) claim ki ja sakti hai. Individual micro units ke liye maximum ceiling Rs.10 lakh per unit hai, jabki FPOs ke common infrastructure par Rs.3 crore tak subsidy available hai.
Custom milling unit ke liye PMFME mein apply karne ki eligibility kya hai?
PMFME ke liye applicant ki umar 18+ honi chahiye, minimum 8th pass education, aur existing micro food processing unit hona zaruri hai. FPOs, SHGs, cooperatives, proprietorship firms sab eligible hain. Applicant Income Tax payer nahi hona chahiye aur ek family se sirf ek person subsidy le sakta hai. ODOP-aligned product ko priority milti hai lekin 2023 ke revised guidelines ke baad non-ODOP bhi apply ho sakta hai.
Custom milling unit ke liye kaun si machinery chahiye aur uska cost kya hai?
Ek standard custom milling unit ke liye paddy cleaner, rubber roll sheller, whitener/polisher, grader, bucket elevator, packaging machine aur de-stoner chahiye hoti hai. Total machinery cost Rs.7–12 lakh ke beech hoti hai 1-ton/hour unit ke liye. Civil construction, electrical wiring aur installation milakar total project cost Rs.18–25 lakh tak aa sakta hai jiske upar 35% PMFME subsidy apply hoti hai.
PMFME mein custom milling unit ke liye DPR kaise banate hain?
DPR mein business background, promoter details, raw material source, machinery specifications, project cost breakdown, means of finance, aur projected revenue shamil hoti hai. NIFTEM-T dwara PMFME portal par model DPR templates available hain. District Resource Person (DRP) DPR verify karta hai bank ko bhejna se pehle. DPR preparation ke liye State Nodal Agency Rs.5 lakh tak support deti hai.
Custom milling unit se monthly income kitni ho sakti hai?
PMFME ke official model DPR data ke anusar dal milling unit se Rs.60,000–Rs.70,000 per month income possible hai. Rice milling unit (5 ton/day capacity) se monthly net profit Rs.1–2 lakh tak ho sakta hai. Rice bran, husk aur broken rice ki additional selling se income aur badh jaati hai. FPO ki collective raw material procurement se milling cost kam hoti hai aur margins better rehte hain.
Custom milling unit ke liye PMFME subsidy directly milti hai ya bank ke through?
PMFME subsidy directly cash mein nahi milti — yeh ek credit-linked subsidy hai. Pehle bank se term loan lena hota hai, phir loan approve hone ke baad subsidy amount mirror account mein jaati hai jo loan ke against adjust hoti hai. Minimum 10% project cost beneficiary khud deta hai aur remaining amount bank loan se aata hai.
Custom milling unit aur traditional atta chakki mein kya fark hai?
Custom milling unit ek multi-grain processing facility hai jo paddy, wheat, dal, millets sabko process kar sakti hai — sirf wheat nahi. Traditional atta chakki mein capacity 50–100 kg/hour hoti hai jabki custom milling unit 500 kg–2 ton/hour process karta hai. Custom unit FSSAI registered aur subsidy-backed hoti hai aur FPO member farmers ka grain directly process karke value addition karta hai.
PMFME ke under custom milling unit ke liye loan kahan se milega?
PMFME ke tied-up banks mein SBI, Bank of Baroda, Punjab National Bank, Canara Bank, NABARD-refinanced cooperative banks aur RRBs shamil hain. FPO ke liye Rs.50 lakh tak loan EBLR+360 bps rate par milta hai. Individual micro entrepreneurs ke liye CGTMSE ke under Rs.5 crore tak collateral-free loan possible hai. Loan repayment maximum 10 years mein aur 6–24 mahine ki moratorium period milti hai.
Zyada jankari aur official DPR templates ke liye pmfme.mofpi.gov.in visit karen. FPO registration process jaanne ke liye SFAC India portal par jayen aur agro-processing finance ke liye NABARD official website dekhein. Food processing unit ke liye FSSAI license apply karne ke liye FOSCOS FSSAI portal use karen.
Yeh guide regularly review aur update ki jaati hai latest scheme data ke liye. Is page ko bookmark kar len PMFME 2026 ke latest updates ke liye. Last Updated: July 2026
