{
 "business": "kirana store",
 "url": "https://bizgame.app/kirana-store-business/",
 "simulator": "https://bizgame.app/play/case/kirana",
 "updated": "2026-10-25",
 "setupCostByFormat": [
  {
   "format": "Home-front shop",
   "setupCostINR": 205000,
   "suggestedBudgetINR": 229000
  },
  {
   "format": "Small kirana (200 sq ft)",
   "setupCostINR": 450000,
   "suggestedBudgetINR": 480000
  },
  {
   "format": "Mid-size store (500 sq ft)",
   "setupCostINR": 1000000,
   "suggestedBudgetINR": 1090000
  }
 ],
 "monthlyNetProfitINR": {
  "metro": [
   34500,
   78000
  ],
  "tier2": [
   8500,
   19500
  ],
  "smallTown": [
   10000,
   25000
  ]
 },
 "licences": [
  "FSSAI basic registration",
  "Shop & Establishment registration",
  "GST registration above ₹40 lakh turnover",
  "Legal Metrology stamp on weighing scales"
 ],
 "risks": [
  "quick-commerce apps taking customers",
  "thin margins (8–15%)",
  "udhaar that never comes back",
  "expired stock"
 ],
 "factors": [
  {
   "id": "A01",
   "cat": "A Setup & capital",
   "name": "Selling area",
   "value": "100–400 sq ft standard; 200 sq ft is the HSIE benchmark; 600+ sq ft for self-service",
   "role": "HV",
   "source": "HSIE, OKC",
   "estimate": false
  },
  {
   "id": "A02",
   "cat": "A Setup & capital",
   "name": "Security deposit",
   "value": "3–6 months' rent; ₹30k–1L small, ₹1–4L mid-size",
   "role": "HV",
   "source": "AT-S",
   "estimate": false
  },
  {
   "id": "A03",
   "cat": "A Setup & capital",
   "name": "Racks and counter",
   "value": "₹40k–90k small; ₹0.9–2.5L mid",
   "role": "HV",
   "source": "AT-S",
   "estimate": false
  },
  {
   "id": "A04",
   "cat": "A Setup & capital",
   "name": "First stock-fill",
   "value": "₹1.5–2.5L small; ₹2.5–6L mid; 40–55% of setup cost",
   "role": "HV",
   "source": "AT-S",
   "estimate": false
  },
  {
   "id": "A05",
   "cat": "A Setup & capital",
   "name": "Scale, fridge or visi-cooler, CCTV, printer",
   "value": "₹25k–60k small; ₹60k–1.5L mid. Village example: freezer ₹22k, cooler ₹8k",
   "role": "PD/HV",
   "source": "AT-S, RANGDE",
   "estimate": false
  },
  {
   "id": "A06",
   "cat": "A Setup & capital",
   "name": "All-in start cost",
   "value": "₹3–6L small; ₹6–15L mid; ₹1.8L village; ₹10–15L+ T1",
   "role": "HV",
   "source": "AT-S, RANGDE, IIFL",
   "estimate": false
  },
  {
   "id": "A07",
   "cat": "A Setup & capital",
   "name": "Cash reserve",
   "value": "₹50k–1L small; ₹1–2L mid",
   "role": "HV",
   "source": "AT-S",
   "estimate": false
  },
  {
   "id": "A08",
   "cat": "A Setup & capital",
   "name": "Billing app or POS",
   "value": "₹0–15k; subscriptions ₹499–799 a year",
   "role": "PD",
   "source": "AT-S, AT-M; effect is est.",
   "estimate": true
  },
  {
   "id": "A09",
   "cat": "A Setup & capital",
   "name": "Premises owned or rented",
   "value": "Many village and home-front shops are owned. Rented is the norm in T1/T2 (est.)",
   "role": "HV",
   "source": "AT-S (owned-premises case)",
   "estimate": true
  },
  {
   "id": "A10",
   "cat": "A Setup & capital",
   "name": "Days to open",
   "value": "2–6 weeks; the trade licence can take \"a few weeks\"",
   "role": "HV",
   "source": "AT-S",
   "estimate": false
  },
  {
   "id": "B01",
   "cat": "B Location & footfall",
   "name": "Residential lane, main road, market, near a school or office",
   "value": "Residential = loyal and steady; main road = more walk-ins, more competition",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "B02",
   "cat": "B Location & footfall",
   "name": "Households within walking distance",
   "value": "300–1,500 households (est., about 1 store per 100–150 people with 13M+ stores)",
   "role": "HV",
   "source": "AICPDF (13M stores); est.",
   "estimate": true
  },
  {
   "id": "B03",
   "cat": "B Location & footfall",
   "name": "Customers per day",
   "value": "130 orders/day (HSIE: 3,950 a month); 180/day worked example; 80–300 range",
   "role": "HV",
   "source": "HSIE, AT-M",
   "estimate": false
  },
  {
   "id": "B04",
   "cat": "B Location & footfall",
   "name": "Share of visitors who buy",
   "value": "90–98%; kirana visits are purposeful (est.)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "B05",
   "cat": "B Location & footfall",
   "name": "Monthly rent",
   "value": "T1: ₹15k–60k; T2: ₹6k–20k; T3: ₹2k–8k for 150–300 sq ft (est.). Overall range ₹10k–10L",
   "role": "HV",
   "source": "MBB; tier split est.",
   "estimate": true
  },
  {
   "id": "B06",
   "cat": "B Location & footfall",
   "name": "Healthy rent ratio",
   "value": "Under 4% of sales",
   "role": "HV",
   "source": "MBB, AT-S",
   "estimate": false
  },
  {
   "id": "B07",
   "cat": "B Location & footfall",
   "name": "Annual rent increase",
   "value": "5–10% a year, or 10% every 11-month lease renewal (est., common Indian lease practice)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "B08",
   "cat": "B Location & footfall",
   "name": "Frontage and signage",
   "value": "Corner or main-road gives about 1.2–1.5× walk-ins (est.)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "B09",
   "cat": "B Location & footfall",
   "name": "Next to a gated society",
   "value": "Higher ticket, but higher quick-commerce substitution",
   "role": "HV",
   "source": "est., from HSIE",
   "estimate": true
  },
  {
   "id": "B10",
   "cat": "B Location & footfall",
   "name": "Road dug up or metro works",
   "value": "−20 to −50% footfall for 1–8 weeks (est.)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "C01",
   "cat": "C Products, menu & pricing",
   "name": "Active SKUs",
   "value": "About 600 (200 sq ft)",
   "role": "PD",
   "source": "HSIE",
   "estimate": false
  },
  {
   "id": "C02",
   "cat": "C Products, menu & pricing",
   "name": "Branded atta, oil, sugar, rice",
   "value": "3–8% gross (low to high single digits)",
   "role": "HV",
   "source": "AT-M, loose-goods band",
   "estimate": false
  },
  {
   "id": "C03",
   "cat": "C Products, menu & pricing",
   "name": "Loose dal, grains, spices, dry fruit",
   "value": "15–30%",
   "role": "HV",
   "source": "AT-M",
   "estimate": false
  },
  {
   "id": "C04",
   "cat": "C Products, menu & pricing",
   "name": "Biscuits, namkeen, soap, shampoo",
   "value": "8–15%. National brands 5–10%, regional 10–18%, new brands 18–25%",
   "role": "HV",
   "source": "AT-M, KC-M",
   "estimate": false
  },
  {
   "id": "C05",
   "cat": "C Products, menu & pricing",
   "name": "Cold drinks, chocolates, chips",
   "value": "10–19%; cold drinks are among the thinnest per [AT-S]",
   "role": "HV",
   "source": "AT-M, AT-S (they conflict)",
   "estimate": false
  },
  {
   "id": "C06",
   "cat": "C Products, menu & pricing",
   "name": "Cosmetics, toiletries",
   "value": "12–20%",
   "role": "HV",
   "source": "AT-M, RANGDE",
   "estimate": false
  },
  {
   "id": "C07",
   "cat": "C Products, menu & pricing",
   "name": "Plastics, batteries, brooms",
   "value": "15%+",
   "role": "HV",
   "source": "AT-M",
   "estimate": false
  },
  {
   "id": "C08",
   "cat": "C Products, menu & pricing",
   "name": "Pouch milk",
   "value": "About 3% (≈ ₹1–3.5 per litre)",
   "role": "HV",
   "source": "MILK (old)",
   "estimate": false
  },
  {
   "id": "C09",
   "cat": "C Products, menu & pricing",
   "name": "Cigarettes, bidi, gutka where legal",
   "value": "8–12% (weak source); thin",
   "role": "HV",
   "source": "IIFL snippet, AT-S",
   "estimate": false
  },
  {
   "id": "C10",
   "cat": "C Products, menu & pricing",
   "name": "Bread, eggs, paneer",
   "value": "8–12% (est.); short shelf life",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "C11",
   "cat": "C Products, menu & pricing",
   "name": "Packaged goods cannot sell above MRP",
   "value": "Hard cap",
   "role": "HV",
   "source": "Legal Metrology Rules 2011 (known regulation)",
   "estimate": false
  },
  {
   "id": "C12",
   "cat": "C Products, menu & pricing",
   "name": "Discount off MRP",
   "value": "0–5% typical in kiranas; modern trade and quick commerce often 5–15% (est.)",
   "role": "PD",
   "source": "est.; pricing index from HSIE",
   "estimate": true
  },
  {
   "id": "C13",
   "cat": "C Products, menu & pricing",
   "name": "Kirana price vs quick commerce",
   "value": "106 vs 100 (kirana 6% dearer)",
   "role": "HV",
   "source": "HSIE",
   "estimate": false
  },
  {
   "id": "C14",
   "cat": "C Products, menu & pricing",
   "name": "Demand response to price",
   "value": "−1.5 to −2.5 for branded staples (shoppers compare prices; est.)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "C15",
   "cat": "C Products, menu & pricing",
   "name": "Top-up and impulse items",
   "value": "−0.3 to −0.8 (convenience-driven; est.)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "C16",
   "cat": "C Products, menu & pricing",
   "name": "Free pricing on loose and unbranded items",
   "value": "Markup 15–35% over wholesale",
   "role": "PD",
   "source": "AT-M",
   "estimate": false
  },
  {
   "id": "C17",
   "cat": "C Products, menu & pricing",
   "name": "Output GST on items",
   "value": "0% loose staples, 5% branded staples and most processed food, 18% other FMCG, 40% tobacco and sin goods (from 22 Sep 2025)",
   "role": "HV",
   "source": "AT-M, AT-S, CIG",
   "estimate": false
  },
  {
   "id": "C18",
   "cat": "C Products, menu & pricing",
   "name": "Weighted overall",
   "value": "8–15%; IR cites 8–10%",
   "role": "HV",
   "source": "AT-M, IR",
   "estimate": false
  },
  {
   "id": "C19",
   "cat": "C Products, menu & pricing",
   "name": "Share of sales from loose items",
   "value": "10–20% in T1, 25–40% in T3 (est.)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "C20",
   "cat": "C Products, menu & pricing",
   "name": "Average price per item",
   "value": "₹38–45 per piece (village example)",
   "role": "HV",
   "source": "RANGDE",
   "estimate": false
  },
  {
   "id": "D01",
   "cat": "D Inputs & supply chain",
   "name": "Credit from distributor",
   "value": "7–15 days; some suppliers cash-only",
   "role": "HV",
   "source": "KC-M, IR",
   "estimate": false
  },
  {
   "id": "D02",
   "cat": "D Inputs & supply chain",
   "name": "Restock frequency",
   "value": "Weekly salesman visit; daily for milk and bread; daily via ONDC apps",
   "role": "PD",
   "source": "AT-S",
   "estimate": false
  },
  {
   "id": "D03",
   "cat": "D Inputs & supply chain",
   "name": "Trade offers (\"12+1\", slabs)",
   "value": "Brands spend 5–10% of net sales; worth about 1–4% extra margin to the retailer when volume targets are hit (est.)",
   "role": "PD/RE",
   "source": "KC-M; retailer share est.",
   "estimate": true
  },
  {
   "id": "D04",
   "cat": "D Inputs & supply chain",
   "name": "Udaan, Jumbotail, JioMart Partner vs distributor",
   "value": "1–3% cheaper on some SKUs, plus doorstep delivery (est.)",
   "role": "PD",
   "source": "est.; platforms per UDAAN",
   "estimate": true
  },
  {
   "id": "D05",
   "cat": "D Inputs & supply chain",
   "name": "Platform credit",
   "value": "₹10k–25L tickets (udaanCapital, 2022)",
   "role": "PD",
   "source": "UDAAN",
   "estimate": false
  },
  {
   "id": "D06",
   "cat": "D Inputs & supply chain",
   "name": "Informal credit from wholesalers",
   "value": "Over 3% a month (reported; unverified)",
   "role": "HV",
   "source": "search snippet citing a SIDBI 2024 report (unverified)",
   "estimate": false
  },
  {
   "id": "D07",
   "cat": "D Inputs & supply chain",
   "name": "Cash-and-carry trips to the mandi or wholesaler",
   "value": "₹5k a month (village)",
   "role": "HV",
   "source": "RANGDE",
   "estimate": false
  },
  {
   "id": "D08",
   "cat": "D Inputs & supply chain",
   "name": "Share of an order the supplier delivers",
   "value": "85–95% (est.); kirana availability gaps up to 40%",
   "role": "HV/RE",
   "source": "IR, est.",
   "estimate": true
  },
  {
   "id": "D09",
   "cat": "D Inputs & supply chain",
   "name": "Order-to-delivery time",
   "value": "1–2 days distributor, same or next day on B2B apps (est.)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "D10",
   "cat": "D Inputs & supply chain",
   "name": "Pouch milk, curd",
   "value": "1–2 days (milk), 5–10 days (curd)",
   "role": "HV",
   "source": "est. (product norms)",
   "estimate": true
  },
  {
   "id": "D11",
   "cat": "D Inputs & supply chain",
   "name": "Bread, buns",
   "value": "3–5 days",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "D12",
   "cat": "D Inputs & supply chain",
   "name": "Packaged foods, HPC",
   "value": "3–24 months",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "D13",
   "cat": "D Inputs & supply chain",
   "name": "Expiry and damage as share of value",
   "value": "1.5–3.5% (general-trade benchmark); 3–5% for new brands, higher for dairy and bakery",
   "role": "HV",
   "source": "CP, KC-M",
   "estimate": false
  },
  {
   "id": "D14",
   "cat": "D Inputs & supply chain",
   "name": "Share of expired value the company takes back",
   "value": "50–70% for FMCG, 0% for loose items (est.)",
   "role": "HV",
   "source": "est.; KC-R context",
   "estimate": true
  },
  {
   "id": "D15",
   "cat": "D Inputs & supply chain",
   "name": "Theft, pilferage, miscounts",
   "value": "1–5% of sales (est. midpoint). Sources: 0.5–1.5% healthy, 5.5% FMCG average, 12%+ kirana claim",
   "role": "HV",
   "source": "CP, IR",
   "estimate": true
  },
  {
   "id": "D16",
   "cat": "D Inputs & supply chain",
   "name": "Dairy short-supply day",
   "value": "1–3 days a year (est.)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "D17",
   "cat": "D Inputs & supply chain",
   "name": "Cost inflation",
   "value": "Milk +₹2/L (May 2026); food inflation shifts",
   "role": "HV/RE",
   "source": "AMUL26",
   "estimate": false
  },
  {
   "id": "D18",
   "cat": "D Inputs & supply chain",
   "name": "Brand price or grammage changes",
   "value": "Several times a year across brands (est.)",
   "role": "RE",
   "source": "AT-S, est.",
   "estimate": true
  },
  {
   "id": "E01",
   "cat": "E Operations & capacity",
   "name": "Hours open per day",
   "value": "13–15 h (about 7am–10pm), often 7 days a week (est.)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E02",
   "cat": "E Operations & capacity",
   "name": "Closed day",
   "value": "Many open all week; some close half a day under state S&E rules (est.)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E03",
   "cat": "E Operations & capacity",
   "name": "Customers served per hour per person",
   "value": "20–40 at an over-the-counter shop (est., 1.5–3 min per bill)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E04",
   "cat": "E Operations & capacity",
   "name": "Rush periods",
   "value": "7–10am and 6–9pm; together about 55–65% of daily sales (est.)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E05",
   "cat": "E Operations & capacity",
   "name": "Open shelves vs counter",
   "value": "Self-service raises basket size about 10–20% (est.)",
   "role": "PD",
   "source": "est.; formats per OKC",
   "estimate": true
  },
  {
   "id": "E06",
   "cat": "E Operations & capacity",
   "name": "Power bill",
   "value": "₹2k–6k/month; ₹6k with freezer (village)",
   "role": "HV",
   "source": "RANGDE",
   "estimate": false
  },
  {
   "id": "E07",
   "cat": "E Operations & capacity",
   "name": "Fridges and visi-coolers",
   "value": "1–3 units; often brand-provided coolers (est.)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E08",
   "cat": "E Operations & capacity",
   "name": "Outage hours per week",
   "value": "T1: 0–2; T3: 5–20 (est.)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E09",
   "cat": "E Operations & capacity",
   "name": "Free phone or WhatsApp delivery",
   "value": "Free, within about 10 min",
   "role": "PD",
   "source": "HSIE",
   "estimate": false
  },
  {
   "id": "E10",
   "cat": "E Operations & capacity",
   "name": "Share of sales delivered",
   "value": "5–20% where offered (est.)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E11",
   "cat": "E Operations & capacity",
   "name": "Inventory record accuracy",
   "value": "Low without POS (est.)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E12",
   "cat": "E Operations & capacity",
   "name": "Phone and data bill",
   "value": "₹300/month (₹3.6k over a year at the village shop)",
   "role": "HV",
   "source": "RANGDE",
   "estimate": false
  },
  {
   "id": "E13",
   "cat": "E Operations & capacity",
   "name": "Online listing via ONDC",
   "value": "Optional; DigiDukaan 10k+ kiranas",
   "role": "PD",
   "source": "AT-S",
   "estimate": false
  },
  {
   "id": "E14",
   "cat": "E Operations & capacity",
   "name": "Join quick-commerce or seller programmes",
   "value": "40% of owners willing to partner",
   "role": "PD",
   "source": "GT26",
   "estimate": false
  },
  {
   "id": "F01",
   "cat": "F Labour",
   "name": "Unpaid family workers",
   "value": "1–3 family members typical (est.)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "F02",
   "cat": "F Labour",
   "name": "Paid helpers",
   "value": "0–2; two staff in the worked example",
   "role": "PD",
   "source": "AT-M",
   "estimate": false
  },
  {
   "id": "F03",
   "cat": "F Labour",
   "name": "Monthly wage",
   "value": "T1: ₹12k–18k; T2: ₹9k–13k; T3: ₹6k–10k (est., from state unskilled minimum-wage bands)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "F04",
   "cat": "F Labour",
   "name": "Delivery helper",
   "value": "₹8k–15k plus fuel (est.)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "F05",
   "cat": "F Labour",
   "name": "Helper turnover",
   "value": "30–60% a year (est., informal labour)",
   "role": "HV/RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "F06",
   "cat": "F Labour",
   "name": "Staff pilferage",
   "value": "Adds 0.5–2% shrinkage with weak controls (est.)",
   "role": "HV/RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "F07",
   "cat": "F Labour",
   "name": "Labour codes in force from 21 Nov 2025",
   "value": "Appointment letter, timely pay, social security",
   "role": "HV",
   "source": "OKC",
   "estimate": false
  },
  {
   "id": "F08",
   "cat": "F Labour",
   "name": "Diwali bonus",
   "value": "About 1 month's wage (est., customary)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "F09",
   "cat": "F Labour",
   "name": "Staff absent",
   "value": "1–3 days a month (est.)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "F10",
   "cat": "F Labour",
   "name": "Product knowledge and speed",
   "value": "Rises over months of tenure (est.)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G01",
   "cat": "G Demand drivers",
   "name": "Salary-week lift",
   "value": "Days 1–7 at +15–30%; last week at −10–15% (est.)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G02",
   "cat": "G Demand drivers",
   "name": "Weekly pattern",
   "value": "Weekend +10–20% in residential areas; Sunday lower in office areas (est.)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G03",
   "cat": "G Demand drivers",
   "name": "Diwali / Navratri–Diwali season",
   "value": "Festive trade +25% year on year (2025); grocery and FMCG 12% of festive spend. Kirana weekly sales in Diwali week about +40–80% (est.)",
   "role": "HV",
   "source": "CAIT; kirana lift est.",
   "estimate": true
  },
  {
   "id": "G04",
   "cat": "G Demand drivers",
   "name": "Fasting foods (sabudana, kuttu, rock salt)",
   "value": "9-day demand shift; specific SKUs +3–5× (est.)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G05",
   "cat": "G Demand drivers",
   "name": "Ramzan / Eid",
   "value": "Dates, vermicelli, dry fruit, oil spike; evening iftar peak (est.)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G06",
   "cat": "G Demand drivers",
   "name": "Holi",
   "value": "Sweets ingredients, colours, cold drinks spike; Holi day itself closed or low (est.)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G07",
   "cat": "G Demand drivers",
   "name": "Pongal, Onam, Durga Puja, Ganesh Chaturthi, Chhath",
   "value": "+20–50% in festival week in that region (est.)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G08",
   "cat": "G Demand drivers",
   "name": "Summer cold drinks and ice cream",
   "value": "Beverages +50–150% in Apr–Jun (est.)",
   "role": "HV",
   "source": "est.; RANGDE notes seasonality",
   "estimate": true
  },
  {
   "id": "G09",
   "cat": "G Demand drivers",
   "name": "Rain days",
   "value": "Footfall −10–30%, but phone and delivery orders rise (est.)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G10",
   "cat": "G Demand drivers",
   "name": "Extreme heat",
   "value": "Midday footfall −30%, evening rises; beverages up (est.)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G11",
   "cat": "G Demand drivers",
   "name": "Bulk orders for weddings",
   "value": "Occasional bulk orders of ₹5k–50k (est.)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G12",
   "cat": "G Demand drivers",
   "name": "School reopening, exams",
   "value": "Stationery and snacks spike (est.)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G13",
   "cat": "G Demand drivers",
   "name": "Rural harvest-season income",
   "value": "T3 demand +15–30% after kharif and rabi harvests (est.)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G14",
   "cat": "G Demand drivers",
   "name": "Mela, cricket match, election",
   "value": "±10–40% for a day (est.)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G15",
   "cat": "G Demand drivers",
   "name": "Tax-cut stimulus",
   "value": "Sep 2025 GST cuts cited as a festive driver",
   "role": "RE",
   "source": "CAIT",
   "estimate": false
  },
  {
   "id": "G16",
   "cat": "G Demand drivers",
   "name": "Hourly distribution",
   "value": "Bimodal, morning and evening (est.)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "H01",
   "cat": "H Customer behaviour",
   "name": "Average bill",
   "value": "₹65 (kirana) vs ₹650 quick commerce and ₹2,300 modern trade. Monthly stock-up bills ₹1,500–4,000 (est.)",
   "role": "HV",
   "source": "HSIE; stock-up est.",
   "estimate": true
  },
  {
   "id": "H02",
   "cat": "H Customer behaviour",
   "name": "Bills per month",
   "value": "3,950",
   "role": "HV",
   "source": "HSIE",
   "estimate": false
  },
  {
   "id": "H03",
   "cat": "H Customer behaviour",
   "name": "Share of customers who are regulars",
   "value": "70–90% (est.; neighbourhood loyalty)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "H04",
   "cat": "H Customer behaviour",
   "name": "Share of transactions paid by UPI",
   "value": "T1: 50–70%; T3: 30–50% (est.)",
   "role": "HV",
   "source": "WL (growth); share est.",
   "estimate": true
  },
  {
   "id": "H05",
   "cat": "H Customer behaviour",
   "name": "Share paid in cash",
   "value": "The remainder after UPI and udhaar",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "H06",
   "cat": "H Customer behaviour",
   "name": "Share of sales on credit",
   "value": "15–30% residential T2/T3; 5–15% T1 high street (est.)",
   "role": "PD",
   "source": "est.; AT-M",
   "estimate": true
  },
  {
   "id": "H07",
   "cat": "H Customer behaviour",
   "name": "Per-customer credit cap",
   "value": "₹1k–10k (est.); limits recommended",
   "role": "PD",
   "source": "AT-S; values est.",
   "estimate": true
  },
  {
   "id": "H08",
   "cat": "H Customer behaviour",
   "name": "Age after which udhaar is likely lost",
   "value": "60 days",
   "role": "HV",
   "source": "AT-M",
   "estimate": false
  },
  {
   "id": "H09",
   "cat": "H Customer behaviour",
   "name": "Share of credit sales never recovered",
   "value": "2–5% a year (est.; distributor analogue 2–3%)",
   "role": "HV/RE",
   "source": "KC-M analogue; est.",
   "estimate": true
  },
  {
   "id": "H10",
   "cat": "H Customer behaviour",
   "name": "Credit customers stay loyal",
   "value": "Offering credit raises retention (est. +10–20%)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "H11",
   "cat": "H Customer behaviour",
   "name": "Share of shoppers shifting to quick commerce",
   "value": "82% moved at least 25% of purchases (2024); 51% rely less on kiranas (2026)",
   "role": "HV",
   "source": "DATUM, GT26",
   "estimate": false
  },
  {
   "id": "H12",
   "cat": "H Customer behaviour",
   "name": "Why shoppers use quick commerce",
   "value": "Urgent 45%, top-ups 24%, impulse 19%",
   "role": "HV",
   "source": "GT26",
   "estimate": false
  },
  {
   "id": "H13",
   "cat": "H Customer behaviour",
   "name": "Shoppers checking app prices",
   "value": "High for branded staples in T1 (est.)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "H14",
   "cat": "H Customer behaviour",
   "name": "WhatsApp or phone orders",
   "value": "5–20% (est.)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "H15",
   "cat": "H Customer behaviour",
   "name": "Reaction to a stock-out",
   "value": "20–40% of shoppers who hit a stock-out buy the item elsewhere, part go to quick commerce (est.)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "H16",
   "cat": "H Customer behaviour",
   "name": "Households doing a monthly stock-up at the kirana",
   "value": "30–60% in T2/T3, lower in T1 (est.)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "I01",
   "cat": "I Competition & market",
   "name": "E-commerce share of grocery",
   "value": "7% urban, 16% metros, 19% top-8 metros",
   "role": "HV",
   "source": "HSIE",
   "estimate": false
  },
  {
   "id": "I02",
   "cat": "I Competition & market",
   "name": "Trend in quick-commerce share",
   "value": "+1 percentage point per quarter in top metros",
   "role": "HV",
   "source": "HSIE",
   "estimate": false
  },
  {
   "id": "I03",
   "cat": "I Competition & market",
   "name": "A dark store opens nearby",
   "value": "Sales hit 10–30% for affected kiranas",
   "role": "RE",
   "source": "KEN-KC",
   "estimate": false
  },
  {
   "id": "I04",
   "cat": "I Competition & market",
   "name": "Quick-commerce orders in Diwali 2025",
   "value": "+120% year on year",
   "role": "HV",
   "source": "CAIT",
   "estimate": false
  },
  {
   "id": "I05",
   "cat": "I Competition & market",
   "name": "Traditional kirana share",
   "value": "About 91% (Feb 2026), heading to about 86% by 2030",
   "role": "HV",
   "source": "Redseer via OKC",
   "estimate": false
  },
  {
   "id": "I06",
   "cat": "I Competition & market",
   "name": "Competing kiranas within 200 m",
   "value": "2–6 (est.)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "I07",
   "cat": "I Competition & market",
   "name": "Rival discount drive",
   "value": "Occasional; −5–15% footfall for 2–4 weeks (est.)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "I08",
   "cat": "I Competition & market",
   "name": "DMart, Reliance Smart, etc. nearby",
   "value": "Price index 97 vs kirana 106; captures monthly stock-up",
   "role": "HV/RE",
   "source": "HSIE",
   "estimate": false
  },
  {
   "id": "I09",
   "cat": "I Competition & market",
   "name": "Kirana closures",
   "value": "AICPDF claim: 2 lakh closed in a year (2024); 45% in metros",
   "role": "HV",
   "source": "AICPDF (unverified)",
   "estimate": false
  },
  {
   "id": "I10",
   "cat": "I Competition & market",
   "name": "General-trade share of FMCG company revenue",
   "value": "HUL 89 → 72% (FY18 → FY26)",
   "role": "HV",
   "source": "HSIE",
   "estimate": false
  },
  {
   "id": "I11",
   "cat": "I Competition & market",
   "name": "Udaan, Jumbotail, JioMart Partner, ONDC",
   "value": "Available in T1/T2; thin in T3 (est.)",
   "role": "HV",
   "source": "UDAAN, AT-S",
   "estimate": true
  },
  {
   "id": "I12",
   "cat": "I Competition & market",
   "name": "Quick-commerce efficiency",
   "value": "8× kirana revenue per sq ft",
   "role": "HV",
   "source": "HSIE",
   "estimate": false
  },
  {
   "id": "J01",
   "cat": "J Regulation & compliance",
   "name": "FSSAI Basic Registration",
   "value": "₹100 a year; turnover up to ₹1.5 cr from 1 Apr 2026 (was ₹12 lakh); perpetual validity",
   "role": "HV",
   "source": "AT-S, OKC",
   "estimate": false
  },
  {
   "id": "J02",
   "cat": "J Regulation & compliance",
   "name": "FSSAI State Licence",
   "value": "₹2,000–5,000 a year for turnover above ₹1.5 cr",
   "role": "HV",
   "source": "AT-S",
   "estimate": false
  },
  {
   "id": "J03",
   "cat": "J Regulation & compliance",
   "name": "GST registration threshold",
   "value": "₹40 lakh (₹20 lakh in special-category states)",
   "role": "HV",
   "source": "AT-S",
   "estimate": false
  },
  {
   "id": "J04",
   "cat": "J Regulation & compliance",
   "name": "Composition scheme",
   "value": "1% of turnover; limit ₹1.5 cr; no input tax credit; CMP-08 quarterly, GSTR-4 annually",
   "role": "PD",
   "source": "AT-S",
   "estimate": false
  },
  {
   "id": "J05",
   "cat": "J Regulation & compliance",
   "name": "S&E registration",
   "value": "State-specific, nil to a few hundred ₹",
   "role": "HV",
   "source": "AT-S",
   "estimate": false
  },
  {
   "id": "J06",
   "cat": "J Regulation & compliance",
   "name": "Municipal trade licence",
   "value": "Varies; a few weeks to issue",
   "role": "HV",
   "source": "AT-S",
   "estimate": false
  },
  {
   "id": "J07",
   "cat": "J Regulation & compliance",
   "name": "Scale stamping, MRP rules",
   "value": "Small fee per scale; fines for unstamped scales or selling above MRP (est.)",
   "role": "RE",
   "source": "AT-S; fines est.",
   "estimate": true
  },
  {
   "id": "J08",
   "cat": "J Regulation & compliance",
   "name": "COTPA: no sale within 100 yards of schools or to minors (known regulation)",
   "value": "–",
   "role": "RE",
   "source": "known regulation, not re-verified",
   "estimate": false
  },
  {
   "id": "J09",
   "cat": "J Regulation & compliance",
   "name": "FSSAI or municipal inspection",
   "value": "Rare: 0–2 a year (est.)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "J10",
   "cat": "J Regulation & compliance",
   "name": "Wage and social-security compliance",
   "value": "From 21 Nov 2025",
   "role": "HV",
   "source": "OKC",
   "estimate": false
  },
  {
   "id": "J11",
   "cat": "J Regulation & compliance",
   "name": "Udyam (MSME) registration",
   "value": "Free; unlocks loans",
   "role": "PD",
   "source": "AT-S",
   "estimate": false
  },
  {
   "id": "J12",
   "cat": "J Regulation & compliance",
   "name": "Single-use plastic carry-bag fines",
   "value": "₹500–5,000 per offence (est.)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "J13",
   "cat": "J Regulation & compliance",
   "name": "Tax-rate restructuring",
   "value": "Sep 2025 to 0/5/18/40%",
   "role": "RE",
   "source": "AT-M",
   "estimate": false
  },
  {
   "id": "K01",
   "cat": "K Marketing & reputation",
   "name": "Trust index",
   "value": "Hidden 0–100",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "K02",
   "cat": "K Marketing & reputation",
   "name": "WhatsApp ordering or broadcast",
   "value": "Near-zero cost; +3–8% sales (est.)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "K03",
   "cat": "K Marketing & reputation",
   "name": "Festival decoration and display",
   "value": "₹1k–5k (est.); brand-funded displays common",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "K04",
   "cat": "K Marketing & reputation",
   "name": "Small freebies (chocolates instead of coins)",
   "value": "Common (est.)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "K05",
   "cat": "K Marketing & reputation",
   "name": "Brand-sponsored signage",
   "value": "Often free from FMCG brands (est.)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "K06",
   "cat": "K Marketing & reputation",
   "name": "Online visibility",
   "value": "Free; helps in T1 (est.)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "K07",
   "cat": "K Marketing & reputation",
   "name": "Rep loss from frequent stock-outs",
   "value": "−1 to −3 rep points per week with chronic gaps (est.)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "K08",
   "cat": "K Marketing & reputation",
   "name": "Correct weighing and billing",
   "value": "Big trust factor (est.)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L01",
   "cat": "L Risks & shocks",
   "name": "Break-in",
   "value": "Less than 1% chance a year; loss ₹20k–1L (est.)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L02",
   "cat": "L Risks & shocks",
   "name": "Short circuit or fire",
   "value": "Rare (est.)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L03",
   "cat": "L Risks & shocks",
   "name": "Monsoon flooding",
   "value": "1–5 days a year in flood-prone areas; stock damage (est.)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L04",
   "cat": "L Risks & shocks",
   "name": "Rats, weevils in loose grain",
   "value": "0.5–2% of loose stock (est.)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L05",
   "cat": "L Risks & shocks",
   "name": "Cooler failure",
   "value": "1–2 a year; spoilage ₹2k–10k (est.)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L06",
   "cat": "L Risks & shocks",
   "name": "Fake notes or UPI screenshot fraud",
   "value": "Occasional, ₹500–5k (est.)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L07",
   "cat": "L Risks & shocks",
   "name": "Strike, truckers' or curfew disruption",
   "value": "1–7 days (est.)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L08",
   "cat": "L Risks & shocks",
   "name": "Essential-goods surge (COVID-type)",
   "value": "Demand spike, then supply chaos (est.)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L09",
   "cat": "L Risks & shocks",
   "name": "Local economic shock (factory layoff)",
   "value": "Defaults ×3 (est.)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L10",
   "cat": "L Risks & shocks",
   "name": "A quick-commerce dark store opens nearby",
   "value": "Sales −10–30%",
   "role": "RE",
   "source": "KEN-KC",
   "estimate": false
  },
  {
   "id": "L11",
   "cat": "L Risks & shocks",
   "name": "Owner absent",
   "value": "Store closed or run by a helper (est.)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L12",
   "cat": "L Risks & shocks",
   "name": "MRP cut on held stock, e.g. after the GST cut",
   "value": "Revaluation loss (est. 1–5% of affected stock)",
   "role": "RE",
   "source": "AT-S, est.",
   "estimate": true
  },
  {
   "id": "L13",
   "cat": "L Risks & shocks",
   "name": "Encroachment or sealing drive",
   "value": "Rare (est.)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "M01",
   "cat": "M Financing",
   "name": "Mudra loan",
   "value": "Shishu up to ₹50k; Kishor ₹50k–5L; Tarun ₹5–10L; Tarun Plus ₹10–20L",
   "role": "PD",
   "source": "OKC",
   "estimate": false
  },
  {
   "id": "M02",
   "cat": "M Financing",
   "name": "Interest rate",
   "value": "About 9–12% a year at banks (est.; bank-specific)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "M03",
   "cat": "M Financing",
   "name": "udaanCapital-style credit",
   "value": "₹10k–25L; about ₹8,000 cr a year to roughly 150k retailers (2022)",
   "role": "PD",
   "source": "UDAAN",
   "estimate": false
  },
  {
   "id": "M04",
   "cat": "M Financing",
   "name": "Wholesaler or moneylender credit",
   "value": "Over 3% a month (unverified claim)",
   "role": "PD",
   "source": "SIDBI-cited snippet (unverified)",
   "estimate": false
  },
  {
   "id": "M05",
   "cat": "M Financing",
   "name": "Social lender (Rang De-style)",
   "value": "₹50k ≈ 27% of starting capital in the example",
   "role": "PD",
   "source": "RANGDE",
   "estimate": false
  },
  {
   "id": "M06",
   "cat": "M Financing",
   "name": "Share of kiranas with formal working capital",
   "value": "Under 15% (claim; unverified)",
   "role": "HV",
   "source": "SIDBI-cited snippet (unverified)",
   "estimate": false
  },
  {
   "id": "M07",
   "cat": "M Financing",
   "name": "Stock days + udhaar days − supplier days",
   "value": "About 2–3 weeks stock + 1–2 weeks udhaar − 1–2 weeks credit = 1–3 weeks net (est.)",
   "role": "HV",
   "source": "KC-M, est.",
   "estimate": true
  },
  {
   "id": "M08",
   "cat": "M Financing",
   "name": "Cash-flow loans against UPI data",
   "value": "Emerging (est.)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "N01",
   "cat": "N Unit economics benchmarks",
   "name": "Revenue of a 200 sq ft kirana",
   "value": "₹30 lakh a year (≈ ₹2.5L a month, ≈ ₹8.2k a day, ≈ ₹58k a week)",
   "role": "HV",
   "source": "HSIE",
   "estimate": false
  },
  {
   "id": "N02",
   "cat": "N Unit economics benchmarks",
   "name": "Annual sales per sq ft",
   "value": "₹15,400",
   "role": "HV",
   "source": "HSIE",
   "estimate": false
  },
  {
   "id": "N03",
   "cat": "N Unit economics benchmarks",
   "name": "Mid kirana (400–600 sq ft)",
   "value": "₹5–12L a month (est.; ₹5L used as an example)",
   "role": "HV",
   "source": "AT-S, est.",
   "estimate": true
  },
  {
   "id": "N04",
   "cat": "N Unit economics benchmarks",
   "name": "Blended gross margin",
   "value": "8–15%",
   "role": "HV",
   "source": "AT-M, IR",
   "estimate": false
  },
  {
   "id": "N05",
   "cat": "N Unit economics benchmarks",
   "name": "Net profit share of sales",
   "value": "Low single digits to low double digits; about 4% in the worked example",
   "role": "HV",
   "source": "AT-M",
   "estimate": false
  },
  {
   "id": "N06",
   "cat": "N Unit economics benchmarks",
   "name": "Owner income",
   "value": "₹10–25k (village or small); ₹15–50k quoted; ₹30k+ (Khatabook 2021); ₹35–80k mid (est.)",
   "role": "HV",
   "source": "RANGDE, AT-M, KHATA",
   "estimate": true
  },
  {
   "id": "N07",
   "cat": "N Unit economics benchmarks",
   "name": "Payback period",
   "value": "About 15 months (village example); 12–30 months typical (est.)",
   "role": "HV",
   "source": "RANGDE; range est.",
   "estimate": true
  },
  {
   "id": "N08",
   "cat": "N Unit economics benchmarks",
   "name": "Monthly sales needed",
   "value": "(rent + electricity + wages + owner draw) ÷ blended margin",
   "role": "HV",
   "source": "OKC",
   "estimate": false
  },
  {
   "id": "N09",
   "cat": "N Unit economics benchmarks",
   "name": "Operating costs as share of sales",
   "value": "5–9% (rent under 4%, electricity 1–2%, other 1–3%) (est.)",
   "role": "HV",
   "source": "MBB, est.",
   "estimate": true
  },
  {
   "id": "N10",
   "cat": "N Unit economics benchmarks",
   "name": "Small-shop monthly P&L",
   "value": "Sales ₹2.5L; gross profit ₹25–30k; rent ₹8–15k; power ₹3k; misc ₹3k; shrinkage ₹3–5k; net ₹8–18k",
   "role": "HV",
   "source": "est., built from HSIE, AT-M, RANGDE",
   "estimate": true
  },
  {
   "id": "N11",
   "cat": "N Unit economics benchmarks",
   "name": "Per-round (week) scale",
   "value": "Small: ₹55–65k sales, ₹6–7k gross, ₹2–4.5k net. Mid: ₹1.2–2.8L sales",
   "role": "HV",
   "source": "est. from N01, N03",
   "estimate": true
  },
  {
   "id": "N12",
   "cat": "N Unit economics benchmarks",
   "name": "Stock plus udhaar outstanding",
   "value": "About 1.0–1.5 months of sales (est.)",
   "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."
}