{
 "business": "chai business",
 "url": "https://bizgame.app/chai-business/",
 "simulator": "https://bizgame.app/play/case/chai",
 "updated": "2026-10-25",
 "setupCostByFormat": [
  {
   "format": "Chai cart (thela)",
   "setupCostINR": 25000,
   "suggestedBudgetINR": 35000
  },
  {
   "format": "Roadside tapri",
   "setupCostINR": 60000,
   "suggestedBudgetINR": 75000
  },
  {
   "format": "Chai kiosk",
   "setupCostINR": 250000,
   "suggestedBudgetINR": 274000
  }
 ],
 "monthlyNetProfitINR": {
  "metro": [
   99500,
   199000
  ],
  "tier2": [
   55000,
   110000
  ],
  "smallTown": [
   22000,
   42000
  ]
 },
 "licences": [
  "FSSAI basic registration (₹100/year)",
  "street vending certificate or municipal permission",
  "commercial LPG connection"
 ],
 "risks": [
  "milk price hikes and spoilage",
  "encroachment drives and eviction",
  "summer heat cutting demand",
  "a rival stall opening nearby"
 ],
 "factors": [
  {
   "id": "A01",
   "cat": "A Setup & capital",
   "name": "Business format",
   "value": "cart / tapri / kiosk / café",
   "role": "PD",
   "source": "design",
   "estimate": false
  },
  {
   "id": "A02",
   "cat": "A Setup & capital",
   "name": "Push-cart + burner + vessels",
   "value": "₹15k-50k",
   "role": "HV",
   "source": "IIFL",
   "estimate": false
  },
  {
   "id": "A03",
   "cat": "A Setup & capital",
   "name": "Kiosk fit-out",
   "value": "₹1.5-5L (E)",
   "role": "HV",
   "source": "Est.: carpentry, counter, 2 burners, fridge",
   "estimate": true
  },
  {
   "id": "A04",
   "cat": "A Setup & capital",
   "name": "Franchise café all-in",
   "value": "₹10-30L",
   "role": "HV",
   "source": "CSB blogs",
   "estimate": false
  },
  {
   "id": "A05",
   "cat": "A Setup & capital",
   "name": "One-time fee",
   "value": "₹6-12L",
   "role": "HV",
   "source": "OkCredit/Digital Griot",
   "estimate": false
  },
  {
   "id": "A06",
   "cat": "A Setup & capital",
   "name": "Rent security deposit",
   "value": "3-10 months' rent (E)",
   "role": "HV",
   "source": "Est.: common commercial practice",
   "estimate": true
  },
  {
   "id": "A07",
   "cat": "A Setup & capital",
   "name": "Single vs double burner, LPG vs coal/stove",
   "value": "1-2 burners",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "A08",
   "cat": "A Setup & capital",
   "name": "LPG cylinders owned",
   "value": "1-2 (deposit ~₹1.5-3k each, E)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "A09",
   "cat": "A Setup & capital",
   "name": "Kettles, strainers, glasses",
   "value": "₹3-8k (E)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "A10",
   "cat": "A Setup & capital",
   "name": "Milk fridge (kiosk)",
   "value": "₹12-25k (E)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "A11",
   "cat": "A Setup & capital",
   "name": "Board/branding",
   "value": "₹500-15k (E)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "A12",
   "cat": "A Setup & capital",
   "name": "Benches/stools",
   "value": "0-6 stools",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "B01",
   "cat": "B Location & footfall",
   "name": "Office / station / bus stand / hospital / college / market / residential / highway / industrial gate",
   "value": "categorical",
   "role": "PD",
   "source": "Q3 sources",
   "estimate": false
  },
  {
   "id": "B02",
   "cat": "B Location & footfall",
   "name": "Passers-by per hour at peak",
   "value": "300-5,000 (E)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "B03",
   "cat": "B Location & footfall",
   "name": "% of passers-by who buy",
   "value": "2-8% (E)",
   "role": "HV",
   "source": "Est.: 150-400 cups vs footfall",
   "estimate": true
  },
  {
   "id": "B04",
   "cat": "B Location & footfall",
   "name": "Tier 1/2/3",
   "value": "categorical",
   "role": "PD",
   "source": "Q2 inference",
   "estimate": false
  },
  {
   "id": "B05",
   "cat": "B Location & footfall",
   "name": "Corner/frontage quality",
   "value": "0-1",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "B06",
   "cat": "B Location & footfall",
   "name": "Monthly rent/space fee",
   "value": "tapri ₹0-5k; kiosk tier 2 ₹8-25k; tier 1 ₹25-80k (E)",
   "role": "HV",
   "source": "Est.: from commercial rent norms",
   "estimate": true
  },
  {
   "id": "B07",
   "cat": "B Location & footfall",
   "name": "In notified vending zone?",
   "value": "yes/no",
   "role": "HV",
   "source": "Street Vendors Act",
   "estimate": false
  },
  {
   "id": "B08",
   "cat": "B Location & footfall",
   "name": "Other chai stalls within 100 m",
   "value": "0-6",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "B09",
   "cat": "B Location & footfall",
   "name": "Covered / open",
   "value": "binary",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "B10",
   "cat": "B Location & footfall",
   "name": "Two-wheeler stop-ability",
   "value": "0-1",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "B11",
   "cat": "B Location & footfall",
   "name": "Nearby office/college/hospital shift timing",
   "value": "shift times",
   "role": "HV",
   "source": "IIFL",
   "estimate": false
  },
  {
   "id": "B12",
   "cat": "B Location & footfall",
   "name": "Cost to move spot",
   "value": "₹2-10k + lost goodwill (E)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "C01",
   "cat": "C Products & pricing",
   "name": "Cutting chai price",
   "value": "₹10-15 (tier 2/3); ₹12-20 (tier 1)",
   "role": "PD",
   "source": "Kerala Kaumudi, IIFL",
   "estimate": false
  },
  {
   "id": "C02",
   "cat": "C Products & pricing",
   "name": "Full cup/special",
   "value": "₹15-30 (E)",
   "role": "PD",
   "source": "Est.: ~1.5-2× cutting",
   "estimate": true
  },
  {
   "id": "C03",
   "cat": "C Products & pricing",
   "name": "Café chai",
   "value": "₹30-80+",
   "role": "PD",
   "source": "Third Eyesight",
   "estimate": false
  },
  {
   "id": "C04",
   "cat": "C Products & pricing",
   "name": "Masala/ginger/elaichi up-charge",
   "value": "+₹2-10 (E)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "C05",
   "cat": "C Products & pricing",
   "name": "ml per cutting cup",
   "value": "60-90 ml",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "C06",
   "cat": "C Products & pricing",
   "name": "Milk:water ratio",
   "value": "40-70% milk (E)",
   "role": "PD",
   "source": "Kerala Kaumudi \"froth\"",
   "estimate": true
  },
  {
   "id": "C07",
   "cat": "C Products & pricing",
   "name": "Drinks offered (chai, coffee, lemon tea, kadha)",
   "value": "2-6",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "C08",
   "cat": "C Products & pricing",
   "name": "Biscuit/rusk/bun add-on rate",
   "value": "15-35% of tickets, ₹5-15 each (E)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "C09",
   "cat": "C Products & pricing",
   "name": "Samosa/pakora/vada (bought in)",
   "value": "10-25% attach, ₹10-20 (E); margin ₹3-6",
   "role": "PD",
   "source": "Kerala Kaumudi (snacks ₹15+)",
   "estimate": true
  },
  {
   "id": "C10",
   "cat": "C Products & pricing",
   "name": "Instant/filter coffee",
   "value": "5-20% of mix; south up to 50% (E)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "C11",
   "cat": "C Products & pricing",
   "name": "Response to price",
   "value": "step drop 15-30% when crossing local norm (E)",
   "role": "HV",
   "source": "Est. (Q2)",
   "estimate": true
  },
  {
   "id": "C12",
   "cat": "C Products & pricing",
   "name": "Paper / kulhad / glass",
   "value": "—",
   "role": "PD",
   "source": "TradeIndia",
   "estimate": false
  },
  {
   "id": "C13",
   "cat": "C Products & pricing",
   "name": "Chai GM",
   "value": "45-65% at ₹10-15",
   "role": "HV",
   "source": "Q1 build",
   "estimate": false
  },
  {
   "id": "C14",
   "cat": "C Products & pricing",
   "name": "Office flask/thermos orders",
   "value": "0-200 cups/day (E)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "D01",
   "cat": "D Inputs & supply chain",
   "name": "Milk cost/L",
   "value": "₹55-76 (2026)",
   "role": "HV",
   "source": "Amul/Mother Dairy/Sanchi",
   "estimate": false
  },
  {
   "id": "D02",
   "cat": "D Inputs & supply chain",
   "name": "Dairy price revision",
   "value": "+₹2-3/L, roughly yearly (May 2025, May 2026)",
   "role": "RE",
   "source": "Amul",
   "estimate": false
  },
  {
   "id": "D03",
   "cat": "D Inputs & supply chain",
   "name": "ml milk per cup",
   "value": "40-50 ml (E)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "D04",
   "cat": "D Inputs & supply chain",
   "name": "Pouch/loose milk life unrefrigerated",
   "value": "~8-12 h; longer refrigerated (E)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "D05",
   "cat": "D Inputs & supply chain",
   "name": "Packet vs doodhwala loose",
   "value": "loose cheaper ±₹5, quality variance (E)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "D06",
   "cat": "D Inputs & supply chain",
   "name": "CTC dust ₹/kg",
   "value": "₹180-400",
   "role": "HV",
   "source": "IndiaMart",
   "estimate": false
  },
  {
   "id": "D07",
   "cat": "D Inputs & supply chain",
   "name": "g/cup",
   "value": "~2 g (E)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "D08",
   "cat": "D Inputs & supply chain",
   "name": "Auction price cycle",
   "value": "±25% year on year (FY25 +₹48/kg)",
   "role": "HV",
   "source": "ICRA (2024)",
   "estimate": false
  },
  {
   "id": "D09",
   "cat": "D Inputs & supply chain",
   "name": "Sugar ₹/kg",
   "value": "₹58-64 (Aug-Sep 2026)",
   "role": "HV",
   "source": "Telangana Today",
   "estimate": false
  },
  {
   "id": "D10",
   "cat": "D Inputs & supply chain",
   "name": "Festive sugar spike",
   "value": "+30% month on month (Aug 2026)",
   "role": "RE",
   "source": "Outlook Business",
   "estimate": false
  },
  {
   "id": "D11",
   "cat": "D Inputs & supply chain",
   "name": "19 kg price",
   "value": "₹2,765-3,100 (Oct 2026)",
   "role": "HV",
   "source": "GoodReturns",
   "estimate": false
  },
  {
   "id": "D12",
   "cat": "D Inputs & supply chain",
   "name": "Monthly change",
   "value": "±₹50-200 (E); +₹62-71 Oct 2026",
   "role": "RE",
   "source": "GoodReturns",
   "estimate": true
  },
  {
   "id": "D13",
   "cat": "D Inputs & supply chain",
   "name": "g LPG/cup",
   "value": "3-4.5 g (E)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "D14",
   "cat": "D Inputs & supply chain",
   "name": "Using 14.2 kg domestic",
   "value": "₹66/kg vs ₹148/kg",
   "role": "PD",
   "source": "GoodReturns (prices)",
   "estimate": false
  },
  {
   "id": "D15",
   "cat": "D Inputs & supply chain",
   "name": "Ginger ₹/kg",
   "value": "₹80-250, volatile (E)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "D16",
   "cat": "D Inputs & supply chain",
   "name": "Paper cup",
   "value": "₹0.26 (65 ml)-₹0.65 (90 ml)",
   "role": "HV",
   "source": "TradeIndia/IndiaMart",
   "estimate": false
  },
  {
   "id": "D17",
   "cat": "D Inputs & supply chain",
   "name": "Milkman/wholesaler credit",
   "value": "0-7 days (milk often weekly settlement, E)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "D18",
   "cat": "D Inputs & supply chain",
   "name": "Milk delivery late/short",
   "value": "2-5% of days (E)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "D19",
   "cat": "D Inputs & supply chain",
   "name": "Litres of milk bought per day",
   "value": "5-50 L",
   "role": "PD",
   "source": "design",
   "estimate": false
  },
  {
   "id": "D20",
   "cat": "D Inputs & supply chain",
   "name": "Spoiled/leftover milk & chai",
   "value": "3-8% of milk (E)",
   "role": "HV",
   "source": "IIFL (wastage warning)",
   "estimate": true
  },
  {
   "id": "D21",
   "cat": "D Inputs & supply chain",
   "name": "Bad milk batch",
   "value": "~1-2%/month (E)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E01",
   "cat": "E Operations & capacity",
   "name": "Daily hours",
   "value": "12-18 h (5 am-10 pm typical, E)",
   "role": "PD",
   "source": "Est.; IIFL (hubs longer)",
   "estimate": true
  },
  {
   "id": "E02",
   "cat": "E Operations & capacity",
   "name": "Days/week",
   "value": "6-7",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E03",
   "cat": "E Operations & capacity",
   "name": "Litres per boil",
   "value": "1-3 L (E)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E04",
   "cat": "E Operations & capacity",
   "name": "Minutes per batch",
   "value": "5-8 min (E)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E05",
   "cat": "E Operations & capacity",
   "name": "Cups/hour (1 burner, 1 person)",
   "value": "60-120 (E)",
   "role": "HV",
   "source": "Est.: 2 L/6 min ≈ 25 cups → ~120/h ideal",
   "estimate": true
  },
  {
   "id": "E06",
   "cat": "E Operations & capacity",
   "name": "Customers lost when wait >3-5 min",
   "value": "10-40% of excess (E)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E07",
   "cat": "E Operations & capacity",
   "name": "Re-boiled chai quality decay",
   "value": "quality drops after ~20-30 min (E)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E08",
   "cat": "E Operations & capacity",
   "name": "Glass washing / hygiene time",
   "value": "10-15% labour (E)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E09",
   "cat": "E Operations & capacity",
   "name": "Clean water source",
   "value": "buy ₹20-40/20 L can (E)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E10",
   "cat": "E Operations & capacity",
   "name": "Light/fridge for kiosk",
   "value": "₹500-2,500/mo (E)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E11",
   "cat": "E Operations & capacity",
   "name": "Long hours → illness/day off",
   "value": "1-3 lost days/month (E)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E12",
   "cat": "E Operations & capacity",
   "name": "Burner/regulator failure",
   "value": "~1-2%/month (E)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E13",
   "cat": "E Operations & capacity",
   "name": "Cylinder empty mid-shift",
   "value": "depends on spare",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "F01",
   "cat": "F Labour",
   "name": "Helper monthly pay",
   "value": "₹8k-15k + meals/tea (E)",
   "role": "PD",
   "source": "Est.: state unskilled minimum wages ~₹10-20k, small stalls informal",
   "estimate": true
  },
  {
   "id": "F02",
   "cat": "F Labour",
   "name": "Skilled chai-maker",
   "value": "₹12k-22k (E)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "F03",
   "cat": "F Labour",
   "name": "Unpaid family help",
   "value": "0-2 people",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "F04",
   "cat": "F Labour",
   "name": "Helpers employed",
   "value": "0 (cart), 1-2 (tapri), 2-4 (kiosk), 6-12 (café)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "F05",
   "cat": "F Labour",
   "name": "Helper quit rate",
   "value": "20-50%/yr (E)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "F06",
   "cat": "F Labour",
   "name": "Staff return home for festivals",
   "value": "1-3 weeks around Diwali/Chhath/Holi (E)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "F07",
   "cat": "F Labour",
   "name": "Brewing consistency",
   "value": "0-1",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "F08",
   "cat": "F Labour",
   "name": "Cash/stock leakage by staff",
   "value": "1-3% sales (E)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G01",
   "cat": "G Demand drivers",
   "name": "7-10 am share of sales",
   "value": "30-40% (E)",
   "role": "HV",
   "source": "IIFL (offices peak morning)",
   "estimate": true
  },
  {
   "id": "G02",
   "cat": "G Demand drivers",
   "name": "4-7 pm share",
   "value": "25-35% (E)",
   "role": "HV",
   "source": "IIFL",
   "estimate": true
  },
  {
   "id": "G03",
   "cat": "G Demand drivers",
   "name": "1-3 pm",
   "value": "5-10% (E)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G04",
   "cat": "G Demand drivers",
   "name": "9 pm-1 am",
   "value": "0-20% (hospitals, highways, students) (E)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G05",
   "cat": "G Demand drivers",
   "name": "Dec-Feb north",
   "value": "1.4-1.8× (up to ~2× takings)",
   "role": "HV",
   "source": "Peninsula (2014)",
   "estimate": false
  },
  {
   "id": "G06",
   "cat": "G Demand drivers",
   "name": "Rainy days",
   "value": "±: covered 1.1-1.3×, open 0.6-0.8× (E)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G07",
   "cat": "G Demand drivers",
   "name": "Apr-Jun heat",
   "value": "0.7-0.85× (E); cold drinks substitute",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G08",
   "cat": "G Demand drivers",
   "name": ">44°C days",
   "value": "0.5-0.7× midday (E)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G09",
   "cat": "G Demand drivers",
   "name": "Cold wave/fog",
   "value": "1.2-1.5× (E)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G10",
   "cat": "G Demand drivers",
   "name": "Sunday at office spot",
   "value": "0.3-0.6× (E)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G11",
   "cat": "G Demand drivers",
   "name": "Weekend at leisure spot",
   "value": "1.2-1.5× (E)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G12",
   "cat": "G Demand drivers",
   "name": "Local mela/puja/ganpati crowds",
   "value": "1.5-3× for the days (E)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G13",
   "cat": "G Demand drivers",
   "name": "Diwali/Holi day itself; offices closed",
   "value": "0.3-0.7× (E)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G14",
   "cat": "G Demand drivers",
   "name": "Some customers avoid snacks",
   "value": "snack attach −20% (E)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G15",
   "cat": "G Demand drivers",
   "name": "College calendar",
   "value": "×0.5 in vacations at campus (E)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G16",
   "cat": "G Demand drivers",
   "name": "Big match evenings",
   "value": "street crowding +/−; screens at cafés ↑ (E)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G17",
   "cat": "G Demand drivers",
   "name": "Bandh/hartal",
   "value": "0-0.2× for the day",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G18",
   "cat": "G Demand drivers",
   "name": "Road dug up/metro work",
   "value": "0.5-0.8× for weeks (E)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G19",
   "cat": "G Demand drivers",
   "name": "Household budget squeeze",
   "value": "cups/customer ↓",
   "role": "HV",
   "source": "Daily Star (Dhaka analogue)",
   "estimate": false
  },
  {
   "id": "H01",
   "cat": "H Customer behaviour",
   "name": "Spend per visit",
   "value": "₹12-30 tapri; ₹150-250 café",
   "role": "HV",
   "source": "Third Eyesight; E",
   "estimate": false
  },
  {
   "id": "H02",
   "cat": "H Customer behaviour",
   "name": "Cups per customer visit",
   "value": "1.1-1.5 (group buying) (E)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "H03",
   "cat": "H Customer behaviour",
   "name": "% daily regulars",
   "value": "50-80% (E)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "H04",
   "cat": "H Customer behaviour",
   "name": "Regulars lost per quality drop",
   "value": "E",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "H05",
   "cat": "H Customer behaviour",
   "name": "Share of payments by UPI",
   "value": "~40-70% (E)",
   "role": "HV",
   "source": "Kearney via Outlook (~half of vendor payments digital); E",
   "estimate": true
  },
  {
   "id": "H06",
   "cat": "H Customer behaviour",
   "name": "Share in cash",
   "value": "30-60%",
   "role": "HV",
   "source": "same",
   "estimate": false
  },
  {
   "id": "H07",
   "cat": "H Customer behaviour",
   "name": "No small change",
   "value": "(E) minor sales loss",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "H08",
   "cat": "H Customer behaviour",
   "name": "Sales on credit (tab)",
   "value": "5-20% (E)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "H09",
   "cat": "H Customer behaviour",
   "name": "Credit never repaid",
   "value": "5-15% of credit (E)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "H10",
   "cat": "H Customer behaviour",
   "name": "Repayment",
   "value": "weekly/monthly on payday (E)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "H11",
   "cat": "H Customer behaviour",
   "name": "Office groups 3-6",
   "value": "—",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "H12",
   "cat": "H Customer behaviour",
   "name": "Regulars resist hikes more",
   "value": "E",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "H13",
   "cat": "H Customer behaviour",
   "name": "Visitors drawn by viral content",
   "value": "spike ×2-10 short-lived (E)",
   "role": "RE",
   "source": "Dolly Chaiwala case",
   "estimate": true
  },
  {
   "id": "I01",
   "cat": "I Competition & market",
   "name": "Competing tapris",
   "value": "0-6 within 100 m (E)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "I02",
   "cat": "I Competition & market",
   "name": "Competitor opens nearby",
   "value": "~5%/month in busy spots (E)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "I03",
   "cat": "I Competition & market",
   "name": "Chai café opens in the area",
   "value": "E",
   "role": "RE",
   "source": "Third Eyesight",
   "estimate": true
  },
  {
   "id": "I04",
   "cat": "I Competition & market",
   "name": "Brand pull of CSB/MBA etc.",
   "value": "650+ CSB outlets (claimed)",
   "role": "HV",
   "source": "Digital Griot",
   "estimate": false
  },
  {
   "id": "I05",
   "cat": "I Competition & market",
   "name": "Office vending machines/pantry",
   "value": "—",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "I06",
   "cat": "I Competition & market",
   "name": "Chai on Swiggy/Zomato/Blinkit-cafés",
   "value": "commission 18-30% for cafés (E)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "I07",
   "cat": "I Competition & market",
   "name": "Filter-coffee culture",
   "value": "south high",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "I08",
   "cat": "I Competition & market",
   "name": "Chaayos ₹311 cr, Chai Point ₹235 cr FY25, loss-making",
   "value": "—",
   "role": "HV",
   "source": "Entrackr; Indian Retailer",
   "estimate": false
  },
  {
   "id": "I09",
   "cat": "I Competition & market",
   "name": "Rival cuts price",
   "value": "₹1-2 cut (E)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "J01",
   "cat": "J Regulation & compliance",
   "name": "FSSAI Basic Registration",
   "value": "₹100/yr; ₹12L (possibly ₹1.5 cr from 2026) turnover ceiling",
   "role": "PD",
   "source": "Tally; Kanakkupillai",
   "estimate": false
  },
  {
   "id": "J02",
   "cat": "J Regulation & compliance",
   "name": "Certificate of Vending (TVC)",
   "value": "city-dependent; lottery if oversubscribed",
   "role": "PD/RE",
   "source": "NASVI",
   "estimate": false
  },
  {
   "id": "J03",
   "cat": "J Regulation & compliance",
   "name": "Municipal vending fee",
   "value": "city-set; ₹100-1,000/mo (E)",
   "role": "HV",
   "source": "NASVI (no national figure)",
   "estimate": true
  },
  {
   "id": "J04",
   "cat": "J Regulation & compliance",
   "name": "City has functioning TVC/survey",
   "value": "many states lagging",
   "role": "HV",
   "source": "Deccan Herald (2021)",
   "estimate": false
  },
  {
   "id": "J05",
   "cat": "J Regulation & compliance",
   "name": "Penalty for breach of CoV terms",
   "value": "up to ₹2,000",
   "role": "RE",
   "source": "NASVI",
   "estimate": false
  },
  {
   "id": "J06",
   "cat": "J Regulation & compliance",
   "name": "Shops & Establishments reg. (kiosk/café)",
   "value": "₹0-5k (E)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "J07",
   "cat": "J Regulation & compliance",
   "name": "Municipal trade/health licence (kiosk/café)",
   "value": "₹1-10k/yr (E)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "J08",
   "cat": "J Regulation & compliance",
   "name": "GST on restaurant service",
   "value": "5% no ITC (cafés); stalls below threshold",
   "role": "HV",
   "source": "Est. (standard rule)",
   "estimate": true
  },
  {
   "id": "J09",
   "cat": "J Regulation & compliance",
   "name": "FSSAI/municipal hygiene check",
   "value": "low frequency for stalls (E)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "J10",
   "cat": "J Regulation & compliance",
   "name": "Single-use plastic cup ban enforcement",
   "value": "fine ₹500-5,000 (E)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "J11",
   "cat": "J Regulation & compliance",
   "name": "Domestic cylinder seizure drive",
   "value": "E",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "J12",
   "cat": "J Regulation & compliance",
   "name": "Municipal anti-encroachment",
   "value": "1-5%/week tier 1 hot zones (E)",
   "role": "RE",
   "source": "Est.; NASVI (same-day release of perishables)",
   "estimate": true
  },
  {
   "id": "K01",
   "cat": "K Marketing & reputation",
   "name": "Perceived taste",
   "value": "0-1",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "K02",
   "cat": "K Marketing & reputation",
   "name": "Cleanliness",
   "value": "0-1",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "K03",
   "cat": "K Marketing & reputation",
   "name": "Service speed",
   "value": "0-1",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "K04",
   "cat": "K Marketing & reputation",
   "name": "Signature style (e.g., Dolly Chaiwala)",
   "value": "rare",
   "role": "PD",
   "source": "Asianet",
   "estimate": false
  },
  {
   "id": "K05",
   "cat": "K Marketing & reputation",
   "name": "Reel goes viral",
   "value": "~0.5-1%/yr (E)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "K06",
   "cat": "K Marketing & reputation",
   "name": "Hygiene complaint/video",
   "value": "E",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "K07",
   "cat": "K Marketing & reputation",
   "name": "Maps listing/ratings (kiosk/café)",
   "value": "—",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "K08",
   "cat": "K Marketing & reputation",
   "name": "\"10th chai free\"/regular discounts",
   "value": "E",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "K09",
   "cat": "K Marketing & reputation",
   "name": "Quirky name (MBA Chai Wala style)",
   "value": "—",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L01",
   "cat": "L Risks & shocks",
   "name": "Forced relocation",
   "value": "see J12",
   "role": "RE",
   "source": "NASVI",
   "estimate": false
  },
  {
   "id": "L02",
   "cat": "L Risks & shocks",
   "name": "Cart/goods seized",
   "value": "E",
   "role": "RE",
   "source": "NASVI",
   "estimate": true
  },
  {
   "id": "L03",
   "cat": "L Risks & shocks",
   "name": "Informal payments",
   "value": "₹500-3,000/mo (E)",
   "role": "HV",
   "source": "Est. (no reliable source)",
   "estimate": true
  },
  {
   "id": "L04",
   "cat": "L Risks & shocks",
   "name": "Spot \"ownership\" disputes",
   "value": "E",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L05",
   "cat": "L Risks & shocks",
   "name": "Geopolitical LPG spike",
   "value": "+₹60-70/cyl/month (2026)",
   "role": "RE",
   "source": "GoodReturns",
   "estimate": false
  },
  {
   "id": "L06",
   "cat": "L Risks & shocks",
   "name": "Waterlogging closure",
   "value": "1-5 days/yr (E)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L07",
   "cat": "L Risks & shocks",
   "name": "Gas leak/fire",
   "value": "very rare",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L08",
   "cat": "L Risks & shocks",
   "name": "Cash/cylinder theft",
   "value": "E",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L09",
   "cat": "L Risks & shocks",
   "name": "Owner illness",
   "value": "see E11",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L10",
   "cat": "L Risks & shocks",
   "name": "COVID-style closure",
   "value": "tail risk",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L11",
   "cat": "L Risks & shocks",
   "name": "Kiosk rent increase",
   "value": "5-10%/yr (E)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L12",
   "cat": "L Risks & shocks",
   "name": "Area cleared for VIP/event",
   "value": "E",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "M01",
   "cat": "M Financing",
   "name": "PM SVANidhi tranche 1",
   "value": "₹15,000, collateral-free",
   "role": "PD",
   "source": "News on AIR",
   "estimate": false
  },
  {
   "id": "M02",
   "cat": "M Financing",
   "name": "Tranche 2",
   "value": "₹25,000",
   "role": "PD",
   "source": "same",
   "estimate": false
  },
  {
   "id": "M03",
   "cat": "M Financing",
   "name": "Tranche 3",
   "value": "₹50,000",
   "role": "PD",
   "source": "same",
   "estimate": false
  },
  {
   "id": "M04",
   "cat": "M Financing",
   "name": "UPI-linked credit card",
   "value": "~₹30,000 limit (unconfirmed)",
   "role": "PD",
   "source": "Business Standard; secondary",
   "estimate": false
  },
  {
   "id": "M05",
   "cat": "M Financing",
   "name": "Cashback for digital transactions",
   "value": "up to ₹1,600",
   "role": "HV",
   "source": "News on AIR",
   "estimate": false
  },
  {
   "id": "M06",
   "cat": "M Financing",
   "name": "Interest subsidy on SVANidhi",
   "value": "7% (scheme norm, E/known)",
   "role": "HV",
   "source": "Est. (scheme standard; not re-verified)",
   "estimate": true
  },
  {
   "id": "M07",
   "cat": "M Financing",
   "name": "Informal daily-collection loan",
   "value": "3-10%/month (E)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "M08",
   "cat": "M Financing",
   "name": "MUDRA Shishu loan for kiosk",
   "value": "up to ₹50,000",
   "role": "PD",
   "source": "Est. (known scheme)",
   "estimate": true
  },
  {
   "id": "M09",
   "cat": "M Financing",
   "name": "Gold loan for setup",
   "value": "9-18% p.a. (E)",
   "role": "PD",
   "source": "IIFL (gold loan funding guides)",
   "estimate": true
  },
  {
   "id": "M10",
   "cat": "M Financing",
   "name": "Bank loan for franchise",
   "value": "10-14% p.a. (E)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "M11",
   "cat": "M Financing",
   "name": "Daily cash float",
   "value": "₹1-5k (E)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "N01",
   "cat": "N Unit economics",
   "name": "Variable cost, cutting",
   "value": "₹4.5-6.5 (2026)",
   "role": "HV",
   "source": "Q1 build",
   "estimate": false
  },
  {
   "id": "N02",
   "cat": "N Unit economics",
   "name": "Typical stall",
   "value": "150-400",
   "role": "HV",
   "source": "IIFL; Peninsula; Zenodo",
   "estimate": false
  },
  {
   "id": "N03",
   "cat": "N Unit economics",
   "name": "Strong location",
   "value": "1,000-2,000",
   "role": "HV",
   "source": "Kerala Kaumudi",
   "estimate": false
  },
  {
   "id": "N04",
   "cat": "N Unit economics",
   "name": "Famous outlets",
   "value": "~4,000/outlet",
   "role": "HV",
   "source": "The Quint",
   "estimate": false
  },
  {
   "id": "N05",
   "cat": "N Unit economics",
   "name": "Daily revenue",
   "value": "₹2k-6k typical; ₹7-10k strong",
   "role": "HV",
   "source": "IIFL; Kerala Kaumudi",
   "estimate": false
  },
  {
   "id": "N06",
   "cat": "N Unit economics",
   "name": "Monthly net",
   "value": "₹20k-1L typical; ₹45k Rajkot; ~₹1L Dolly (\"believed\")",
   "role": "HV",
   "source": "Better India; Asianet",
   "estimate": false
  },
  {
   "id": "N07",
   "cat": "N Unit economics",
   "name": "Kiosk net",
   "value": "₹1-2L (E)",
   "role": "HV",
   "source": "Q5 table",
   "estimate": true
  },
  {
   "id": "N08",
   "cat": "N Unit economics",
   "name": "Café avg bill",
   "value": "₹150-250",
   "role": "HV",
   "source": "Third Eyesight",
   "estimate": false
  },
  {
   "id": "N09",
   "cat": "N Unit economics",
   "name": "Payback",
   "value": "12-18 months (claimed)",
   "role": "HV",
   "source": "CSB blogs",
   "estimate": false
  },
  {
   "id": "N10",
   "cat": "N Unit economics",
   "name": "Royalty",
   "value": "2-6% of sales",
   "role": "HV",
   "source": "OkCredit/Digital Griot",
   "estimate": false
  },
  {
   "id": "N11",
   "cat": "N Unit economics",
   "name": "Daily cups to cover fixed costs",
   "value": "tapri ~40-80; kiosk ~250-400 (E)",
   "role": "HV",
   "source": "Est.: fixed cost / (price − ₹5.5)",
   "estimate": true
  },
  {
   "id": "N12",
   "cat": "N Unit economics",
   "name": "Capex payback",
   "value": "1-3 months (E)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  }
 ],
 "note": "Researched estimates as of late 2026 from public sources; rows with estimate=true have no direct source. For learning, not financial advice."
}