{
 "business": "clothing store",
 "url": "https://bizgame.app/clothing-store-business/",
 "simulator": "https://bizgame.app/play/case/clothing",
 "updated": "2026-10-25",
 "setupCostByFormat": [
  {
   "format": "Home-based reseller",
   "setupCostINR": 50000,
   "suggestedBudgetINR": 78000
  },
  {
   "format": "Small shop (200–400 sq ft)",
   "setupCostINR": 700000,
   "suggestedBudgetINR": 780000
  },
  {
   "format": "Mid showroom (500–900 sq ft)",
   "setupCostINR": 2000000,
   "suggestedBudgetINR": 2128000
  },
  {
   "format": "Large saree & family showroom",
   "setupCostINR": 6000000,
   "suggestedBudgetINR": 6120000
  }
 ],
 "monthlyNetProfitINR": {
  "metro": [
   -21500,
   195000
  ],
  "tier2": [
   21500,
   108500
  ],
  "smallTown": [
   17500,
   78000
  ]
 },
 "licences": [
  "Shop & Establishment registration",
  "municipal trade licence (renewed yearly)",
  "GST registration above ₹40 lakh turnover (composition 1% up to ₹1.5 crore)",
  "Udyam registration (free)",
  "MRP and size labels on packed garments (Legal Metrology)"
 ],
 "risks": [
  "dead stock and odd sizes left after the season",
  "Zudio and Meesho undercutting on price",
  "wholesalers tightening credit before Diwali",
  "slow monsoon months and fires at wholesale markets"
 ],
 "factors": [
  {
   "id": "A01",
   "cat": "A Setup & capital",
   "name": "Total setup, small shop (200–400 sq ft)",
   "value": "₹4–12 lakh, excluding premises (Higher in T1 because of deposit and fit-out)",
   "role": "PD",
   "source": "https://accountune.com/how-to-start-a-cloth-shop-in-india",
   "estimate": false
  },
  {
   "id": "A02",
   "cat": "A Setup & capital",
   "name": "Total setup, mid shop (500–900 sq ft)",
   "value": "₹12–30 lakh (Same)",
   "role": "PD",
   "source": "https://accountune.com/how-to-start-a-cloth-shop-in-india",
   "estimate": false
  },
  {
   "id": "A03",
   "cat": "A Setup & capital",
   "name": "Showroom tiers (alternative source)",
   "value": "200 sq ft ₹5–7 L; 300–400 sq ft ₹8–12 L; 500+ sq ft ₹14–20 L (City, rent terms, product mix)",
   "role": "PD",
   "source": "https://www.iifl.com/kn/blogs/gold-loan/how-to-start-a-readymade-garments-showroom-in-india",
   "estimate": false
  },
  {
   "id": "A04",
   "cat": "A Setup & capital",
   "name": "Opening stock share of setup",
   "value": "50–60% of total (Ethnic/saree shops run higher)",
   "role": "HV",
   "source": "https://accountune.com/how-to-start-a-cloth-shop-in-india",
   "estimate": false
  },
  {
   "id": "A05",
   "cat": "A Setup & capital",
   "name": "Opening stock value",
   "value": "Small ₹2–5 L; mid ₹5–15 L (Category mix)",
   "role": "PD",
   "source": "https://accountune.com/how-to-start-a-cloth-shop-in-india",
   "estimate": false
  },
  {
   "id": "A06",
   "cat": "A Setup & capital",
   "name": "Rent deposit",
   "value": "3–6 months' rent (small ₹0.5–1.5 L; mid ₹1.5–6 L) (T1 high-street at the top of the range)",
   "role": "HV",
   "source": "https://accountune.com/how-to-start-a-cloth-shop-in-india",
   "estimate": false
  },
  {
   "id": "A07",
   "cat": "A Setup & capital",
   "name": "Fit-out and racking",
   "value": "Small ₹0.8–1.8 L; mid ₹1.8–5 L (Premium look costs more)",
   "role": "PD",
   "source": "https://accountune.com/how-to-start-a-cloth-shop-in-india",
   "estimate": false
  },
  {
   "id": "A08",
   "cat": "A Setup & capital",
   "name": "Lighting",
   "value": "₹20k–50k small; ₹50k–1.5 L mid (Same)",
   "role": "PD",
   "source": "https://accountune.com/how-to-start-a-cloth-shop-in-india",
   "estimate": false
  },
  {
   "id": "A09",
   "cat": "A Setup & capital",
   "name": "Equipment (mannequins, trial room, CCTV, AC)",
   "value": "₹30k–70k small; ₹70k–2 L mid (AC is near-essential in T1 and in summer)",
   "role": "PD",
   "source": "https://accountune.com/how-to-start-a-cloth-shop-in-india",
   "estimate": false
  },
  {
   "id": "A10",
   "cat": "A Setup & capital",
   "name": "Billing software",
   "value": "₹0–15k (free plans exist; paid from ₹499/yr)",
   "role": "PD",
   "source": "https://accountune.com/how-to-start-a-cloth-shop-in-india",
   "estimate": false
  },
  {
   "id": "A11",
   "cat": "A Setup & capital",
   "name": "Working-capital buffer",
   "value": "₹60k–3 L (about two months of running cost)",
   "role": "PD",
   "source": "https://accountune.com/how-to-start-a-cloth-shop-in-india",
   "estimate": false
  },
  {
   "id": "A12",
   "cat": "A Setup & capital",
   "name": "Stock-matrix multiplier",
   "value": "1 design × 5 sizes × 4 colours = 20 SKUs; 30 designs = 600 SKUs (Kids wear has more size bands)",
   "role": "HV",
   "source": "https://accountune.com/how-to-start-a-cloth-shop-in-india",
   "estimate": false
  },
  {
   "id": "B01",
   "cat": "B Location & footfall",
   "name": "Location type",
   "value": "Main bazaar / cloth-market lane, high street, mall, residential colony, near bus stand",
   "role": "PD",
   "source": "Est. (standard retail siting)",
   "estimate": true
  },
  {
   "id": "B02",
   "cat": "B Location & footfall",
   "name": "Monthly rent, 300 sq ft",
   "value": "T3 ₹8k–20k; T2 ₹20k–50k; T1 high street ₹60k–2 L+ (Main bazaar costs 1.5–2× a side lane)",
   "role": "PD/HV",
   "source": "Est. (back-derived from the 3–6-month deposit ranges in A06)",
   "estimate": true
  },
  {
   "id": "B03",
   "cat": "B Location & footfall",
   "name": "Clustering benefit",
   "value": "Cloth-market lanes draw destination shoppers who compare across shops",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "B04",
   "cat": "B Location & footfall",
   "name": "Walk-in conversion",
   "value": "25–45% of entrants buy (Higher in festive weeks)",
   "role": "HV",
   "source": "Est. (no Indian survey found)",
   "estimate": true
  },
  {
   "id": "B05",
   "cat": "B Location & footfall",
   "name": "Daily walk-ins, small shop",
   "value": "T3 30–60; T2 50–90; T1 70–150 (2–3× in Diwali and wedding weeks)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "B06",
   "cat": "B Location & footfall",
   "name": "Parking and access",
   "value": "Lack of parking cuts family shopping trips (T1 worse)",
   "role": "HV",
   "source": "Est.; https://www.dailypioneer.com/2022/state-editions/traders-welcome-move-to-set-up-gandhi-nagar-as----garment-hub---.html",
   "estimate": true
  },
  {
   "id": "B07",
   "cat": "B Location & footfall",
   "name": "Nearby anchor (Zudio, V-Mart or Reliance Trends opening)",
   "value": "Pulls traffic to the area but undercuts on price (T2/T3 increasingly)",
   "role": "RE",
   "source": "https://bwretailworld.com/sector/fashion-lifestyle/zudio-crosses-1000-stores-expands-footprint-beyond-metros",
   "estimate": false
  },
  {
   "id": "B08",
   "cat": "B Location & footfall",
   "name": "Weekly market-closure day",
   "value": "Many bazaars close one day a week (for example Sarojini Nagar shuts Mondays) (Local rule)",
   "role": "HV",
   "source": "https://okcredit.in/blog/top-wholesale-markets-in-india/",
   "estimate": false
  },
  {
   "id": "C01",
   "cat": "C Products & pricing",
   "name": "Markup on cost, showroom",
   "value": "About 100% (\"almost double\") (Branded consignment stock is lower)",
   "role": "PD",
   "source": "https://www.onlineclothingstudy.com/2021/03/opportunity-to-start-textile-and-saree.html",
   "estimate": false
  },
  {
   "id": "C02",
   "cat": "C Products & pricing",
   "name": "Markup, home or reseller sellers",
   "value": "25–30%+",
   "role": "PD",
   "source": "Same",
   "estimate": false
  },
  {
   "id": "C03",
   "cat": "C Products & pricing",
   "name": "Markup, franchise saree brand",
   "value": "25–30%, with about 10% net claimed",
   "role": "PD",
   "source": "Same",
   "estimate": false
  },
  {
   "id": "C04",
   "cat": "C Products & pricing",
   "name": "Realised gross margin benchmark (value chain)",
   "value": "V-Mart 31.7–35.8% (FY24–25 quarters) (Higher in festive quarter)",
   "role": "HV",
   "source": "https://okcredit.in/blog/dos-and-donts-for-clothing-businessmen/",
   "estimate": false
  },
  {
   "id": "C05",
   "cat": "C Products & pricing",
   "name": "Apparel retail gross margin (trade claim)",
   "value": "30–35%",
   "role": "HV",
   "source": "https://fibre2fashion.com/industry-article/5788/discount-on-branded-apparels-a-distant-memory",
   "estimate": false
  },
  {
   "id": "C06",
   "cat": "C Products & pricing",
   "name": "Category markup: kids wear",
   "value": "80–120% (small tickets, high size churn)",
   "role": "PD",
   "source": "Est. (no source; C01 is the anchor)",
   "estimate": true
  },
  {
   "id": "C07",
   "cat": "C Products & pricing",
   "name": "Category markup: men's basics (shirts, trousers, jeans)",
   "value": "50–80% (Highly price-comparable)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "C08",
   "cat": "C Products & pricing",
   "name": "Category markup: women's kurtis and western wear",
   "value": "70–100% (Fashion risk)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "C09",
   "cat": "C Products & pricing",
   "name": "Category markup: sarees and ethnic",
   "value": "60–100%; bridal and silk lower in % but high in ₹ (Wedding season)",
   "role": "PD",
   "source": "Est. plus C01",
   "estimate": true
  },
  {
   "id": "C10",
   "cat": "C Products & pricing",
   "name": "Category markup: innerwear and branded (Jockey, Rupa)",
   "value": "20–35% (MRP-fixed)",
   "role": "PD",
   "source": "Est. (MRP brand trade margin)",
   "estimate": true
  },
  {
   "id": "C11",
   "cat": "C Products & pricing",
   "name": "Price points (unbranded)",
   "value": "Kids ₹200–800; men's shirt ₹400–1,200; kurti ₹300–1,200; saree ₹500–5,000+ (T1 up 20–40%)",
   "role": "PD",
   "source": "Est.; https://apparelresources.com/business-news/retail/inside-zudios-strategy-for-growth/",
   "estimate": true
  },
  {
   "id": "C12",
   "cat": "C Products & pricing",
   "name": "GST price cliff",
   "value": "Items priced ≤₹2,500 per piece at 5%; above ₹2,500 at 18% (was 12% above ₹1,000) (Hits ethnic and premium wear)",
   "role": "PD/HV",
   "source": "https://static.pib.gov.in/WriteReadData/specificdocs/documents/2025/sep/doc2025917639401.pdf",
   "estimate": false
  },
  {
   "id": "C13",
   "cat": "C Products & pricing",
   "name": "Bargaining discount",
   "value": "5–15% off the tag in T2/T3 unbranded shops; fixed price in branded stores",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "C14",
   "cat": "C Products & pricing",
   "name": "Price sensitivity",
   "value": "High; Meesho and Zudio set the reference price for basics (T3 highest)",
   "role": "HV",
   "source": "Est. plus I03/I04",
   "estimate": true
  },
  {
   "id": "C15",
   "cat": "C Products & pricing",
   "name": "Product mix decision",
   "value": "Menswear / womenswear / kids / ethnic split (Region)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "D01",
   "cat": "D Inputs & supply chain",
   "name": "Surat (Ring Road)",
   "value": "Synthetic fabric, dress material, art-silk sarees, zari work; about 220 markets and 75,000+ shops (trade claim) (Monsoon flooding (July 2026))",
   "role": "PD",
   "source": "https://okcredit.in/blog/top-wholesale-markets-in-india/",
   "estimate": false
  },
  {
   "id": "D02",
   "cat": "D Inputs & supply chain",
   "name": "Surat credit norm",
   "value": "Around 60 days for established buyers; first-time buyers pay advance or cash",
   "role": "HV",
   "source": "Same",
   "estimate": false
  },
  {
   "id": "D03",
   "cat": "D Inputs & supply chain",
   "name": "Surat trade credit cycles",
   "value": "Historically 90–180 days; FOSTTA proposes a 70-day cap and 30-day returns; weavers' body a 60-day cap (2025–26 tightening)",
   "role": "HV",
   "source": "https://apparelresources.com/business-news/manufacturing/surat-textile-bodies-flag-payment-delays-credit-strain",
   "estimate": false
  },
  {
   "id": "D04",
   "cat": "D Inputs & supply chain",
   "name": "MSME 45-day payment rule (Income Tax Sec 43B(h))",
   "value": "Conflicts with 90–180-day textile norms; pushes suppliers to tighten",
   "role": "HV",
   "source": "https://apparelresources.com/business-news/manufacturing/surat-textile-bodies-flag-payment-delays-credit-strain",
   "estimate": false
  },
  {
   "id": "D05",
   "cat": "D Inputs & supply chain",
   "name": "Gandhi Nagar, Delhi",
   "value": "Readymade wholesale; about 15,000 shops; >₹100 cr/day turnover (2022 govt figure); GST invoice standard (Repeated fires 2025–26)",
   "role": "PD",
   "source": "https://in.fashionnetwork.com/news/Government-to-invest-in-Gandhi-Nagar-market-to-create-apparel-hub,1391505.html",
   "estimate": false
  },
  {
   "id": "D06",
   "cat": "D Inputs & supply chain",
   "name": "Tiruppur",
   "value": "Cotton knitwear/hosiery hub (T-shirts, innerwear, kids), export-led; under 1% of output uses wool (South India; strong summer basics)",
   "role": "PD",
   "source": "https://apparelresources.com/?p=16655",
   "estimate": false
  },
  {
   "id": "D07",
   "cat": "D Inputs & supply chain",
   "name": "Ludhiana",
   "value": "Winter-wear/woollen knitwear hub (sweaters, cardigans, shawls, socks); about 99% small-scale units; domestic-focused (Winter season buy Sep–Nov)",
   "role": "PD",
   "source": "https://apparelresources.com/?p=16655",
   "estimate": false
  },
  {
   "id": "D08",
   "cat": "D Inputs & supply chain",
   "name": "Kolkata Burrabazar",
   "value": "Textiles and garments in product-wise sub-markets; supplies east and northeast; fire-prone (Ezra St fire Nov 2025) (East India)",
   "role": "PD",
   "source": "https://okcredit.in/blog/top-wholesale-markets-in-india/",
   "estimate": false
  },
  {
   "id": "D09",
   "cat": "D Inputs & supply chain",
   "name": "Chandni Chowk (Katra Neel)",
   "value": "Fabrics by the piece to tailors and boutiques",
   "role": "PD",
   "source": "Same",
   "estimate": false
  },
  {
   "id": "D10",
   "cat": "D Inputs & supply chain",
   "name": "Kanchipuram",
   "value": "GI-tagged silk sarees from cooperatives",
   "role": "PD",
   "source": "Same",
   "estimate": false
  },
  {
   "id": "D11",
   "cat": "D Inputs & supply chain",
   "name": "Minimum order quantity",
   "value": "No legal MOQ; set by trader (piece, set, bundle, kg); sets often come as one size-set per colour",
   "role": "HV",
   "source": "Same",
   "estimate": false
  },
  {
   "id": "D12",
   "cat": "D Inputs & supply chain",
   "name": "E-way bill",
   "value": "Required for consignments >₹50,000",
   "role": "HV",
   "source": "Same",
   "estimate": false
  },
  {
   "id": "D13",
   "cat": "D Inputs & supply chain",
   "name": "Sourcing trip cost",
   "value": "₹3k–15k per trip (train/bus, lodging, transporter); 1–2 trips a month (Distance from hub)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "D14",
   "cat": "D Inputs & supply chain",
   "name": "Freight to shop",
   "value": "1–3% of goods value by transporter or parcel (Distance)",
   "role": "HV",
   "source": "Est. (no freight-rate source found)",
   "estimate": true
  },
  {
   "id": "D15",
   "cat": "D Inputs & supply chain",
   "name": "Supplier returns/exchange",
   "value": "FOSTTA proposes a 30-day return window; exchange of unsold stock is negotiable with regular suppliers",
   "role": "PD/HV",
   "source": "https://textileexcellence.com/single-news/6697/payment-crisis-surat-based-fostta-to-list-defaulters-publicly",
   "estimate": false
  },
  {
   "id": "D16",
   "cat": "D Inputs & supply chain",
   "name": "Dead-stock review trigger",
   "value": "Review any stock unsold after 60 days",
   "role": "PD",
   "source": "https://okcredit.in/blog/dos-and-donts-for-clothing-businessmen/",
   "estimate": false
  },
  {
   "id": "D17",
   "cat": "D Inputs & supply chain",
   "name": "Annual dead stock / obsolescence",
   "value": "5–15% of purchases end up sold below cost or unsold (Fashion and kids-size risk highest)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "D18",
   "cat": "D Inputs & supply chain",
   "name": "Stock turns per year",
   "value": "2–4 for an independent shop (Zudio-type chains aim much higher with low markup and high turns)",
   "role": "HV",
   "source": "Est.; https://foundingfuel.com/column/strategic-intent/noel-tatas-brahmastra/",
   "estimate": true
  },
  {
   "id": "E01",
   "cat": "E Operations & capacity",
   "name": "Opening hours",
   "value": "About 10:00–21:00/21:30 (11–12 h) (Extended to 22:30–23:00 in Diwali and wedding weeks)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E02",
   "cat": "E Operations & capacity",
   "name": "Days open",
   "value": "6–7 per week; market weekly-off day (Local)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E03",
   "cat": "E Operations & capacity",
   "name": "Bills per staff-hour (peak)",
   "value": "3–6 (Ethnic and saree bills take longer (unfolding, draping))",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E04",
   "cat": "E Operations & capacity",
   "name": "Trial rooms",
   "value": "1–3; queues at peak",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E05",
   "cat": "E Operations & capacity",
   "name": "Stock-count cadence",
   "value": "Weekly count of top sellers, monthly full count",
   "role": "PD",
   "source": "https://okcredit.in/blog/dos-and-donts-for-clothing-businessmen/",
   "estimate": false
  },
  {
   "id": "E06",
   "cat": "E Operations & capacity",
   "name": "Alteration service",
   "value": "Free hemming or ₹50–150 alteration; outsourced tailor",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E07",
   "cat": "E Operations & capacity",
   "name": "Display refresh",
   "value": "Window and mannequin change every 1–2 weeks",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E08",
   "cat": "E Operations & capacity",
   "name": "Electricity",
   "value": "₹3k–15k/month (lights, AC) (Summer high)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E09",
   "cat": "E Operations & capacity",
   "name": "Packaging (bags)",
   "value": "₹3–10 per bill (paper or cloth bag; plastic below 120 micron is banned)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E10",
   "cat": "E Operations & capacity",
   "name": "Shrinkage / theft",
   "value": "0.5–2% of sales (Peak crowds)",
   "role": "HV/RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "F01",
   "cat": "F Labour",
   "name": "Salesman wage (job listings)",
   "value": "₹10k–30k/month; typical ₹15k–20k (T1 higher; saree/lehenga showroom ₹15–30k)",
   "role": "PD",
   "source": "https://apna.co/job/jaipur/lehenga-saree-suit-salesman-927046926",
   "estimate": false
  },
  {
   "id": "F02",
   "cat": "F Labour",
   "name": "Formal benchmark: shop sales assistant",
   "value": "Starting ₹20k–49k net/month (2025, skews formal)",
   "role": "HV",
   "source": "https://prd.wageindicator.org/en-in/work-in-india/role-and-pay/india-shop-sales-assistants",
   "estimate": false
  },
  {
   "id": "F03",
   "cat": "F Labour",
   "name": "Older low-end wage",
   "value": "Kolkata ₹6k–10k (2023) (T3/east)",
   "role": "HV",
   "source": "https://www.teamlease.com/jobs/garment-salesman-recruitment-in-kolkata-430816",
   "estimate": false
  },
  {
   "id": "F04",
   "cat": "F Labour",
   "name": "Staff per shop",
   "value": "Small: owner + 1–2; mid: 3–6",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "F05",
   "cat": "F Labour",
   "name": "Sales incentive",
   "value": "1–2% of sales or festival bonus (one month's pay at Diwali)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "F06",
   "cat": "F Labour",
   "name": "Festive temp staff",
   "value": "+1–3 helpers for 4–8 weeks",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "F07",
   "cat": "F Labour",
   "name": "Attrition",
   "value": "High; salesmen move to chains (Zudio, Trends) (T1 higher)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "F08",
   "cat": "F Labour",
   "name": "Skill: saree draping / ethnic selling",
   "value": "Scarce, commands a premium (Ethnic variant)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "F09",
   "cat": "F Labour",
   "name": "Family labour",
   "value": "Owner and family run the till",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "F10",
   "cat": "F Labour",
   "name": "EPF applicability",
   "value": "Only at 20+ employees",
   "role": "HV",
   "source": "https://accountune.com/how-to-start-a-cloth-shop-in-india",
   "estimate": false
  },
  {
   "id": "G01",
   "cat": "G Demand drivers",
   "name": "Festive window share of annual sales",
   "value": "Durga Puja–Diwali = 30–40% of annual sales for consumer/apparel retail (2018)",
   "role": "HV",
   "source": "https://fashionunited.in/news/retail/brick-and-mortar-retailers-see-great-festive-sales/2018111219482",
   "estimate": false
  },
  {
   "id": "G02",
   "cat": "G Demand drivers",
   "name": "Ethnic-wear festive share",
   "value": "About 25% of yearly sales for ethnic brands (older)",
   "role": "HV",
   "source": "https://in.apparelresources.com/business-news/retail/indian-fashion-apparel-brands-putting-bets-ongoing-festive-season/",
   "estimate": false
  },
  {
   "id": "G03",
   "cat": "G Demand drivers",
   "name": "Garments' share of Diwali spend",
   "value": "About 12%, second-largest category (CAIT)",
   "role": "HV",
   "source": "https://www.retail-insight-network.com/news/india-retail-sector-cait-survey/",
   "estimate": false
  },
  {
   "id": "G04",
   "cat": "G Demand drivers",
   "name": "Festive 2025 growth",
   "value": "Turnover +25% y/y, partly from GST cuts on garments (CAIT)",
   "role": "RE",
   "source": "Same",
   "estimate": false
  },
  {
   "id": "G05",
   "cat": "G Demand drivers",
   "name": "Wedding season",
   "value": "1 Nov–14 Dec 2025: ₹6.5 lakh crore across 46 lakh weddings; apparel and sarees about 10% of spend (CAIT est.) (Muhurat dates; second season Jan–Mar and Apr–Jun)",
   "role": "HV/RE",
   "source": "https://okcredit.in/blog/dos-and-donts-for-clothing-businessmen/",
   "estimate": false
  },
  {
   "id": "G06",
   "cat": "G Demand drivers",
   "name": "Festive quarter vs next quarter (V-Mart)",
   "value": "₹1,027 cr (Q3 FY25) vs ₹780 cr (Q4), festive about 1.3×",
   "role": "HV",
   "source": "Same",
   "estimate": false
  },
  {
   "id": "G07",
   "cat": "G Demand drivers",
   "name": "Regional festivals",
   "value": "Durga Puja (east), Onam (Kerala), Pongal/Sankranti (south), Eid, Baisakhi, Chhath, Rath Yatra (Region)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G08",
   "cat": "G Demand drivers",
   "name": "Eid demand",
   "value": "Strong kids and ethnic peak in Muslim-majority localities (Lunar calendar)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G09",
   "cat": "G Demand drivers",
   "name": "School reopening (Jun/Apr)",
   "value": "Kids wear and uniform demand",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G10",
   "cat": "G Demand drivers",
   "name": "Summer (Mar–Jun)",
   "value": "Cotton basics and T-shirts up; dull afternoons (Heat waves cut daytime walk-ins)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G11",
   "cat": "G Demand drivers",
   "name": "Winter (Nov–Feb)",
   "value": "Woollens/jackets; north India only (South negligible)",
   "role": "PD/HV",
   "source": "Est. plus D07",
   "estimate": true
  },
  {
   "id": "G12",
   "cat": "G Demand drivers",
   "name": "Monsoon (Jul–Sep)",
   "value": "Lean season; low footfall, rain days −30–50% (Region)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G13",
   "cat": "G Demand drivers",
   "name": "Day of week",
   "value": "Sunday and holidays 1.5–2× weekday; salary week (1st–10th) higher",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G14",
   "cat": "G Demand drivers",
   "name": "Time of day",
   "value": "Evening (17:00–21:00) about 50% of sales",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G15",
   "cat": "G Demand drivers",
   "name": "Inauspicious periods",
   "value": "Shraadh/Pitru Paksha and Kharmas (mid-Dec to mid-Jan) depress wedding and new-clothes buying in north India",
   "role": "HV",
   "source": "Est. (cultural norm)",
   "estimate": true
  },
  {
   "id": "G16",
   "cat": "G Demand drivers",
   "name": "EOSS periods",
   "value": "Jan–Feb (post-winter) and Jul–Aug (post-summer), matching chain sale calendars",
   "role": "PD",
   "source": "Est.; https://fibre2fashion.com/news/apparel-announcement-news/rising-input-costs-pose-challenges-for-indian-premium-kidswear-market-287479-newsdetails.htm?amp=true",
   "estimate": true
  },
  {
   "id": "H01",
   "cat": "H Customer behaviour",
   "name": "Average ticket",
   "value": "T3 ₹500–800; T2 ₹700–1,200; T1 ₹1,000–2,000; saree shop ₹1,500–5,000; bridal ₹20k+ (Festive tickets 1.5–2× (family buying))",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "H02",
   "cat": "H Customer behaviour",
   "name": "Items per bill",
   "value": "1.5–3 (Festive higher)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "H03",
   "cat": "H Customer behaviour",
   "name": "Repeat rate",
   "value": "40–60% of sales from known families in T2/T3 (Lower in T1 high street)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "H04",
   "cat": "H Customer behaviour",
   "name": "Payment mix",
   "value": "UPI 60–75% of bills; cash 20–35%; cards 5–10% (T3 more cash)",
   "role": "HV",
   "source": "Est. (reconciled national UPI ~87% of volume, lower for walk-in retail)",
   "estimate": true
  },
  {
   "id": "H05",
   "cat": "H Customer behaviour",
   "name": "Udhaar / credit to customers",
   "value": "5–15% of sales in T3 to known families; settle on a 15–30-day cycle (Festive and harvest timing)",
   "role": "PD",
   "source": "Est.; https://okcredit.in/blog/dos-and-donts-for-clothing-businessmen/",
   "estimate": true
  },
  {
   "id": "H06",
   "cat": "H Customer behaviour",
   "name": "Exchange rate (in-store)",
   "value": "5–10% of items exchanged for size within 7 days; refunds rare (\"no return, only exchange\")",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "H07",
   "cat": "H Customer behaviour",
   "name": "Online apparel return rate (contrast)",
   "value": "25–40% of online clothes returned",
   "role": "HV",
   "source": "https://restofworld.org/2023/end-of-free-returns/",
   "estimate": false
  },
  {
   "id": "H08",
   "cat": "H Customer behaviour",
   "name": "Size issues",
   "value": "Bracketing (ordering several sizes) online; in store, trial reduces returns",
   "role": "HV",
   "source": "Same",
   "estimate": false
  },
  {
   "id": "H09",
   "cat": "H Customer behaviour",
   "name": "Family group shopping",
   "value": "2–4 people per visit in festive weeks",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "H10",
   "cat": "H Customer behaviour",
   "name": "Bargaining expectation",
   "value": "Near-universal in unbranded T2/T3 shops",
   "role": "HV",
   "source": "Est.; https://okcredit.in/blog/top-wholesale-markets-in-india/",
   "estimate": true
  },
  {
   "id": "H11",
   "cat": "H Customer behaviour",
   "name": "Price referencing via phone",
   "value": "Shoppers compare with Meesho/Myntra prices in store (Younger buyers)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "I01",
   "cat": "I Competition & market",
   "name": "Informal share of fashion spend",
   "value": "About 60% of India's ~$100 bn fashion spend still goes through informal shops and stalls (Falling)",
   "role": "HV",
   "source": "https://douwe.com/projects/the_world_this_wiki/companies/meesho",
   "estimate": false
  },
  {
   "id": "I02",
   "cat": "I Competition & market",
   "name": "E-commerce fashion share",
   "value": "Roughly doubled to about 15% between 2019 and 2024 (Rising)",
   "role": "HV",
   "source": "Same",
   "estimate": false
  },
  {
   "id": "I03",
   "cat": "I Competition & market",
   "name": "Meesho",
   "value": "~90% of buyers outside top 8 cities; competes with unbranded vendors; 0% supplier commission (T3 hit hardest)",
   "role": "HV/RE",
   "source": "https://finance.yahoo.com/news/indias-fast-fashion-delivery-apps-170408846.html",
   "estimate": false
  },
  {
   "id": "I04",
   "cat": "I Competition & market",
   "name": "Zudio",
   "value": "1,000 stores (Sep 2026); 80%+ of FY26 openings in T2/T3 and peripheral markets; most items under ₹999 (Rising)",
   "role": "RE",
   "source": "https://bwretailworld.com/sector/fashion-lifestyle/zudio-crosses-1000-stores-expands-footprint-beyond-metros",
   "estimate": false
  },
  {
   "id": "I05",
   "cat": "I Competition & market",
   "name": "Other value chains",
   "value": "V-Mart, Reliance Trends, Max, Style Union etc.; about 33% gross margin, sale calendars (T2/T3)",
   "role": "HV",
   "source": "https://okcredit.in/blog/dos-and-donts-for-clothing-businessmen/",
   "estimate": false
  },
  {
   "id": "I06",
   "cat": "I Competition & market",
   "name": "Myntra / Amazon / Ajio sale events",
   "value": "Big Billion / Great Indian / EORS sales in Sep–Oct and Jun–Jul (National)",
   "role": "RE",
   "source": "Est. (sale calendar)",
   "estimate": true
  },
  {
   "id": "I07",
   "cat": "I Competition & market",
   "name": "Local competing shops",
   "value": "5–30 garment shops within 1 km in a bazaar",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "I08",
   "cat": "I Competition & market",
   "name": "Informal share forecast",
   "value": "Meesho DRHP projects informal retail falling from 85% to 66–68% by 2030",
   "role": "HV",
   "source": "https://douwe.com/projects/the_world_this_wiki/companies/meesho",
   "estimate": false
  },
  {
   "id": "I09",
   "cat": "I Competition & market",
   "name": "Organised premium segment",
   "value": "About 35% of organised apparel sales above ₹2,500 per piece (Crisil)",
   "role": "HV",
   "source": "https://www.outlookbusiness.com/news/garments-priced-above-25k-to-be-costlier-will-hurt-middle-class-affordability-industry-bodies",
   "estimate": false
  },
  {
   "id": "I10",
   "cat": "I Competition & market",
   "name": "Shop's own online channel",
   "value": "WhatsApp catalogue, Instagram, or listing on Meesho/Amazon (Amazon fees: referral from 0%, closing from ₹1, weight-handling from ~₹37)",
   "role": "PD",
   "source": "https://okcredit.in/blog/dos-and-donts-for-clothing-businessmen/",
   "estimate": false
  },
  {
   "id": "J01",
   "cat": "J Regulation & compliance",
   "name": "GST on apparel ≤₹2,500/piece",
   "value": "5% (from 22 Sep 2025; threshold was ₹1,000)",
   "role": "HV",
   "source": "https://static.pib.gov.in/WriteReadData/specificdocs/documents/2025/sep/doc2025917639401.pdf",
   "estimate": false
  },
  {
   "id": "J02",
   "cat": "J Regulation & compliance",
   "name": "GST on apparel >₹2,500/piece",
   "value": "18% (was 12%) (Ethnic/bridal heavy)",
   "role": "HV",
   "source": "Same",
   "estimate": false
  },
  {
   "id": "J03",
   "cat": "J Regulation & compliance",
   "name": "Threshold basis",
   "value": "Per-piece taxable value excluding GST (forum view; verify)",
   "role": "HV",
   "source": "https://www.taxtmi.com/forum/issue?id=120496",
   "estimate": false
  },
  {
   "id": "J04",
   "cat": "J Regulation & compliance",
   "name": "Footwear",
   "value": "Same ₹2,500 line (5%/18%)",
   "role": "HV",
   "source": "https://www.bajajfinserv.in/gst-on-clothes",
   "estimate": false
  },
  {
   "id": "J05",
   "cat": "J Regulation & compliance",
   "name": "GST registration",
   "value": "Mandatory above ₹40 L turnover (goods), ₹20 L in special-category states",
   "role": "HV",
   "source": "https://accountune.com/how-to-start-a-cloth-shop-in-india",
   "estimate": false
  },
  {
   "id": "J06",
   "cat": "J Regulation & compliance",
   "name": "Composition scheme",
   "value": "1% of turnover for traders up to ₹1.5 cr (₹75 L in NE/HP); no input credit; cannot collect GST from customers",
   "role": "PD",
   "source": "https://okcredit.in/blog/dos-and-donts-for-clothing-businessmen/",
   "estimate": false
  },
  {
   "id": "J07",
   "cat": "J Regulation & compliance",
   "name": "Shop & Establishment registration",
   "value": "Required; govt fee ₹500–5,000 overall licences (State)",
   "role": "HV",
   "source": "https://accountune.com/how-to-start-a-cloth-shop-in-india",
   "estimate": false
  },
  {
   "id": "J08",
   "cat": "J Regulation & compliance",
   "name": "Trade licence (municipal)",
   "value": "Annual renewal (City)",
   "role": "HV",
   "source": "https://accountune.com/how-to-start-a-cloth-shop-in-india",
   "estimate": false
  },
  {
   "id": "J09",
   "cat": "J Regulation & compliance",
   "name": "Udyam registration",
   "value": "Free; micro = investment ≤₹2.5 cr, turnover ≤₹10 cr",
   "role": "PD",
   "source": "https://okcredit.in/blog/dos-and-donts-for-clothing-businessmen/",
   "estimate": false
  },
  {
   "id": "J10",
   "cat": "J Regulation & compliance",
   "name": "Legal Metrology / MRP labelling",
   "value": "Packaged garments must show MRP, size, maker",
   "role": "HV/RE",
   "source": "Est. (Legal Metrology (Packaged Commodities) Rules)",
   "estimate": true
  },
  {
   "id": "J11",
   "cat": "J Regulation & compliance",
   "name": "Fire safety NOC",
   "value": "Larger showrooms and markets; enforcement spikes after fires",
   "role": "RE",
   "source": "Est.; https://okcredit.in/blog/top-wholesale-markets-in-india/",
   "estimate": true
  },
  {
   "id": "J12",
   "cat": "J Regulation & compliance",
   "name": "Plastic bag ban",
   "value": "Single-use plastic below 120 micron banned; fines",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "K01",
   "cat": "K Marketing & reputation",
   "name": "Festive decoration and banners",
   "value": "₹5k–30k per season",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "K02",
   "cat": "K Marketing & reputation",
   "name": "WhatsApp broadcast / catalogue",
   "value": "Near-zero cost; new-arrival photos to regulars",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "K03",
   "cat": "K Marketing & reputation",
   "name": "Instagram reels",
   "value": "₹0–10k/month boosting (Younger customers, T1/T2)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "K04",
   "cat": "K Marketing & reputation",
   "name": "Google Maps listing and reviews",
   "value": "Free; ratings affect discovery",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "K05",
   "cat": "K Marketing & reputation",
   "name": "Pamphlets / newspaper inserts",
   "value": "₹2k–10k per drop (T3 effective)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "K06",
   "cat": "K Marketing & reputation",
   "name": "\"Sale\" signage (EOSS, flat 50%)",
   "value": "Footfall up 1.5–2× during sale",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "K07",
   "cat": "K Marketing & reputation",
   "name": "Reputation for fixed price / genuine quality",
   "value": "Builds repeat custom",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "K08",
   "cat": "K Marketing & reputation",
   "name": "Festive offers (buy 2 get 1, gift voucher)",
   "value": "5–10% margin give-up",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L01",
   "cat": "L Risks & shocks",
   "name": "Market fire",
   "value": "Recurring at Gandhi Nagar (2025–26) and Burrabazar (Nov 2025) (Dense markets)",
   "role": "RE",
   "source": "https://okcredit.in/blog/top-wholesale-markets-in-india/",
   "estimate": false
  },
  {
   "id": "L02",
   "cat": "L Risks & shocks",
   "name": "Hub flooding",
   "value": "Surat markets flooded July 2026 (Monsoon)",
   "role": "RE",
   "source": "Same",
   "estimate": false
  },
  {
   "id": "L03",
   "cat": "L Risks & shocks",
   "name": "Wrong-trend buy",
   "value": "A season's colour/style fails (Fashion categories)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L04",
   "cat": "L Risks & shocks",
   "name": "Warm winter",
   "value": "Woollen stock unsold in north India (Climate)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L05",
   "cat": "L Risks & shocks",
   "name": "Supplier credit squeeze",
   "value": "Wholesalers cut credit before Diwali; in 2013 Surat terms fell from 120+ days to about 30 (Cycle)",
   "role": "RE",
   "source": "https://www.business-standard.com/amp/article/companies/surat-textile-industry-reels-under-reduced-credit-limit-109100800022_1.html",
   "estimate": false
  },
  {
   "id": "L06",
   "cat": "L Risks & shocks",
   "name": "Customer udhaar default",
   "value": "5–20% of udhaar uncollected (T3)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L07",
   "cat": "L Risks & shocks",
   "name": "Rent hike on renewal",
   "value": "5–10% a year; 11-month agreements (T1)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L08",
   "cat": "L Risks & shocks",
   "name": "Local chain opening (Zudio/Trends)",
   "value": "Sales −10–25% for value shops (T2/T3)",
   "role": "RE",
   "source": "Est. (direction from I04; no impact study found)",
   "estimate": true
  },
  {
   "id": "L09",
   "cat": "L Risks & shocks",
   "name": "GST rate change",
   "value": "2025 rejig moved the threshold to ₹2,500",
   "role": "RE",
   "source": "https://static.pib.gov.in/WriteReadData/specificdocs/documents/2025/sep/doc2025917639401.pdf",
   "estimate": false
  },
  {
   "id": "L10",
   "cat": "L Risks & shocks",
   "name": "Theft / shoplifting at peak",
   "value": "0.5–2% (Festive)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L11",
   "cat": "L Risks & shocks",
   "name": "Moth/damp damage",
   "value": "Stored stock in monsoon (Humid regions)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L12",
   "cat": "L Risks & shocks",
   "name": "Freight cost spike",
   "value": "Surat freight surge reported (trade blog)",
   "role": "RE",
   "source": "https://www.swastika.co.in/blog/from-profit-to-panic-400-freight-surge-threatens-surats-80-000-crore-textile-market",
   "estimate": false
  },
  {
   "id": "M01",
   "cat": "M Financing",
   "name": "Mudra Shishu / Kishor / Tarun / Tarun Plus",
   "value": "≤₹50k / ≤₹5 L / ≤₹10 L / ≤₹20 L",
   "role": "PD",
   "source": "https://okcredit.in/blog/dos-and-donts-for-clothing-businessmen/",
   "estimate": false
  },
  {
   "id": "M02",
   "cat": "M Financing",
   "name": "PM SVANidhi",
   "value": "₹15k / ₹25k / ₹50k tranches; for street vendors (cloth hawkers, footpath stalls) (Vendor variant)",
   "role": "PD",
   "source": "https://okcredit.in/blog/dos-and-donts-for-clothing-businessmen/",
   "estimate": false
  },
  {
   "id": "M03",
   "cat": "M Financing",
   "name": "PMEGP",
   "value": "Trading of garments is generally ineligible (PMEGP targets manufacturing and services); tailoring/boutique units qualify",
   "role": "HV",
   "source": "Est. (scheme scope; verify)",
   "estimate": true
  },
  {
   "id": "M04",
   "cat": "M Financing",
   "name": "Wholesaler credit as financing",
   "value": "30–90 days interest-free for trusted buyers; effectively the shop's biggest working-capital source (D02–D03)",
   "role": "HV",
   "source": "https://okcredit.in/blog/top-wholesale-markets-in-india/",
   "estimate": false
  },
  {
   "id": "M05",
   "cat": "M Financing",
   "name": "Bank OD / CC limit",
   "value": "9–14% interest; against stock",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "M06",
   "cat": "M Financing",
   "name": "Gold loan",
   "value": "Common informal festive-stock financing",
   "role": "PD",
   "source": "Est.; https://www.iifl.com/kn/blogs/gold-loan/how-to-start-a-readymade-garments-showroom-in-india",
   "estimate": true
  },
  {
   "id": "M07",
   "cat": "M Financing",
   "name": "Moneylender / committee (chit)",
   "value": "24–60% a year effective (T3)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "M08",
   "cat": "M Financing",
   "name": "Credit guarantee (CGTMSE) on Mudra",
   "value": "Collateral-free up to scheme limits",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "N01",
   "cat": "N Unit economics benchmarks",
   "name": "Format 1: home-based / WhatsApp reseller",
   "value": "₹25k–1 L (stock ₹20–80k, phone, shelf); markup 25–30% (No rent)",
   "role": "PD",
   "source": "Est.; https://www.onlineclothingstudy.com/2021/03/opportunity-to-start-textile-and-saree.html",
   "estimate": true
  },
  {
   "id": "N02",
   "cat": "N Unit economics benchmarks",
   "name": "Format 2: small shop 200–400 sq ft",
   "value": "₹4–12 L",
   "role": "PD",
   "source": "https://accountune.com/how-to-start-a-cloth-shop-in-india",
   "estimate": false
  },
  {
   "id": "N03",
   "cat": "N Unit economics benchmarks",
   "name": "Format 3: mid showroom 500–900 sq ft",
   "value": "₹12–30 L",
   "role": "PD",
   "source": "https://accountune.com/how-to-start-a-cloth-shop-in-india",
   "estimate": false
  },
  {
   "id": "N04",
   "cat": "N Unit economics benchmarks",
   "name": "Format 4: large saree/ethnic or multi-floor family showroom (1,500+ sq ft) or franchise",
   "value": "₹40 L–1 cr+ (stock-heavy; silk and bridal inventory) (T1 more)",
   "role": "PD",
   "source": "Est. (extrapolated from N03 at 2–3× area and higher stock value per sq ft)",
   "estimate": true
  },
  {
   "id": "N05",
   "cat": "N Unit economics benchmarks",
   "name": "Franchise saree brand economics",
   "value": "Fixed 25–30% markup; ~10% net margin claimed",
   "role": "PD",
   "source": "https://www.onlineclothingstudy.com/2021/03/opportunity-to-start-textile-and-saree.html",
   "estimate": false
  },
  {
   "id": "N06",
   "cat": "N Unit economics benchmarks",
   "name": "Example first-year turnover, small shop",
   "value": "₹25 L/yr (≈₹2.08 L/month ≈ ₹48k/week)",
   "role": "HV",
   "source": "https://accountune.com/how-to-start-a-cloth-shop-in-india",
   "estimate": false
  },
  {
   "id": "N07",
   "cat": "N Unit economics benchmarks",
   "name": "Chain EBITDA margin benchmark",
   "value": "V-Mart 6.0–16.7% by quarter (Festive quarter high)",
   "role": "HV",
   "source": "https://okcredit.in/blog/dos-and-donts-for-clothing-businessmen/",
   "estimate": false
  },
  {
   "id": "N08",
   "cat": "N Unit economics benchmarks",
   "name": "Surat wholesaler EBITDA (sale-listing claim)",
   "value": "~20%",
   "role": "HV",
   "source": "https://www.smergers.com/business/profitable-textiles-wholesale-business-for-sale-in-surat-india/o5nil/",
   "estimate": false
  },
  {
   "id": "N09",
   "cat": "N Unit economics benchmarks",
   "name": "Seasonal multipliers (weekly revenue vs average)",
   "value": "Navratri–Diwali and wedding weeks 2–3×; Eid/regional festival 1.5–2×; EOSS 1.3–1.6× revenue at −10–20 pts margin; monsoon/Shraadh 0.5–0.7× (Region)",
   "role": "HV",
   "source": "Est. consistent with G01 (30–40% of annual sales in about 6–8 weeks)",
   "estimate": true
  },
  {
   "id": "N10",
   "cat": "N Unit economics benchmarks",
   "name": "Breakeven sales",
   "value": "Fixed cost ÷ contribution ratio (~0.31): T3 ≈ ₹24k/week, T2 ≈ ₹60k/week, T1 ≈ ₹1.45 L/week",
   "role": "HV",
   "source": "Est. from table below",
   "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."
}