₹32 lakhto₹1.14 croreof your mushroom farm, paid by the government.

1. Costs you the whole claim

   01

   Start work before NHB clears the project and the application is rejected outright.

   • The Grant of Clearance comes after the bankable project report and the sanctioned term loan, not before them
   • Allowed first, from your own margin money: land levelling and pits, a compound wall or fencing, a borewell, the power application, internal roads and drainage
   • Nothing else. Not a foundation, not a panel, not a rack
   • The In-Principle Approval is no longer compulsory. The Grant of Clearance is

   NHB Operational Guidelines, January 2025: nothing may be built before clearancePrinted January 2025Show the clauseHide evidence

   “Chapter 04, "Implementation of the project", item 4 (PDF p.52), verbatim: "Commencement of any project works at site before GOC is not permitted and shall lead to rejection of the application." The same chapter states it twice more: "Disbursement of Term Loan and implementation…”Read the full clause

   “Chapter 04, "Implementation of the project", item 4 (PDF p.52), verbatim: "Commencement of any project works at site before GOC is not permitted and shall lead to rejection of the application." The same chapter states it twice more: "Disbursement of Term Loan and implementation of project is not permitted before issuance of Grant of Clearance to the project by NHB. Any disbursement of term loan before issuance of GoC will lead to rejection of proposal by NHB." (PDF p.50), and, in the Important Instructions, "Obtaining of Grant of Clearance (GoC) is must for starting the project work." The clause then names the preliminary works that ARE allowed first, out of the applicant's own margin money: land levelling and digging of pits, compound wall or fencing with gate, tube well or borewell as part of the project, root stock plantation with drip in the case of grape plantations, application for power, internal roads and drainage, and other statutory approvals. Note separately that the In-Principle Approval cum Letter of Comfort is no longer compulsory: "Unlike previous guidelines, the issuance of IPA cum LoC is not mandatory." It is the GoC, not the IPA, that gates construction.”

   PDF p.52 (Implementation, item 4); PDF p.50; PDF p.49 (IPA no longer mandatory)

   Read on 14 September 2026 by chirag.

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2. Costs you the NHB route

   02

   Below 50 MT of capacity this NHB item pays nothing. Not less, nothing.

   • The band reads "above 50 MT and upto 300 MT". Above, not at least, so 50 MT exactly is outside it
   • There is no reduced rate underneath the floor. The item simply does not apply
   • MIDH sets no minimum capacity at all, which is where a smaller farm belongs
   • Capacity beyond 300 MT adds nothing to the claim

   NHB Operational Guidelines, January 2025Printed January 2025Show the clauseHide evidence

   “Chapter 02, Scheme No. 01, cost norms table, item 1 (vi) (PDF p.17, printed page 7). Item column, verbatim: "Integrated Mushroom Production Unit in project mode". Cost norms column, verbatim: "As per NHB norms for a minimum installed capacity above 50 MT and upto 300 MT in…”Read the full clause

   “Chapter 02, Scheme No. 01, cost norms table, item 1 (vi) (PDF p.17, printed page 7). Item column, verbatim: "Integrated Mushroom Production Unit in project mode". Cost norms column, verbatim: "As per NHB norms for a minimum installed capacity above 50 MT and upto 300 MT in controlled conditions @ Rs. 75000/MT without canning and @ Rs. 85000/ MT with Canning including Production Unit + Compost making Unit." Pattern of assistance column, verbatim: "Credit linked subsidy @ 40% of eligible project cost in General area and @ 50% of eligible project cost for NER and Himalayan States, Scheduled Areas and UTs of Andaman &Nicobar Islands, Lakshadweep Islands, Jammu & Kashmir and Ladakh." Those two percentages were cut to 35% and 45% by NHB's Public Circular of 21 August 2026, cited separately on every rate this record publishes. Read with Chapter 04, Important Instructions, item 16 (PDF p.51, printed page 40), verbatim: "In case of cold storage/CA storage, Mushroom, Ripening chamber, Reefer Van, Cold room and Pre-cooling unit, the EPC is worked out on the basis of capacity." Chapter 01 dates the whole instrument: "The Scheme guidelines shall be effective from 01.01.2025."”

   PDF p.17 (Chapter 02, item 1(vi)); PDF p.51 (Chapter 04, instruction 16); PDF p.14 (Chapter 01, "Date of Coming into force")

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3. Costs your family the scheme

   03

   One member of a family, ever, and family now reaches your parents and your adult children.

   • Once any member has taken NHB assistance, no other member gets anything under any NHB scheme
   • Irrespective of any unutilised portion of the maximum admissible ceiling
   • It applies through an HUF, a partnership, or a directorship in a company
   • The January 2025 guideline read "husband, wife, dependent minor children". The circular of 21 August 2026 widened it

   NHB Public Circular, 21 August 2026: the revised family definitionPrinted 21 August 2026Show the clauseHide evidence

   “Item 1, "Revised Definition of Family and Eligibility", verbatim: "For the purpose of determining eligibility under NHB Schemes, the term “family” shall comprise the applicant's spouse, father, mother, sons and daughters." Its bullets, verbatim: "Only one member of a family…”Read the full clause

   “Item 1, "Revised Definition of Family and Eligibility", verbatim: "For the purpose of determining eligibility under NHB Schemes, the term “family” shall comprise the applicant's spouse, father, mother, sons and daughters." Its bullets, verbatim: "Only one member of a family shall be eligible to avail financial assistance under NHB Schemes, whether individually or through HUF, partnership/proprietorship firm or as a Director of a Company, subject to the applicable provisions."; "Once financial assistance has been availed by any member of an applicant’s family under any NHB Scheme/component, no further financial assistance shall be admissible to any other member of the same family under any NHB Scheme/component, irrespective of any unutilised portion of the maximum admissible ceiling."; "The restriction shall apply across all NHB Schemes/components and shall constitute the final entitlement of the family."; "Where financial assistance has already been availed by an FPO/FPC/Company, its members shall be eligible to avail assistance once in their individual capacity, subject to the revised definition of family."; "Suppression, misrepresentation or furnishing of incorrect information for obtaining financial assistance shall render the applicant liable for recovery of the assistance released along with applicable interest." This REPLACES the narrower definition still printed in the January 2025 guideline itself, whose Chapter 01 reads "The term family shall refer to the husband, wife, and dependent minor children" and allows that "any or all members are eligible to avail benefits under the scheme". Under the circular only one member may.”

   Page 1 of 4, item 1 (and, for the definition it replaces, guideline PDF p.14)

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Why this one question is worth more than any rate