{
 "business": "vegetable shop",
 "url": "https://bizgame.app/vegetable-shop-business/",
 "simulator": "https://bizgame.app/play/case/vegetable",
 "updated": "2026-10-25",
 "setupCostByFormat": [
  {
   "format": "Sabzi thela (push-cart)",
   "setupCostINR": 20000,
   "suggestedBudgetINR": 28000
  },
  {
   "format": "Footpath / haat stall",
   "setupCostINR": 37500,
   "suggestedBudgetINR": 47000
  },
  {
   "format": "Small sabzi shop (80–200 sq ft)",
   "setupCostINR": 120000,
   "suggestedBudgetINR": 139000
  },
  {
   "format": "Large F&V store (400–1,000 sq ft)",
   "setupCostINR": 1200000,
   "suggestedBudgetINR": 1264000
  }
 ],
 "monthlyNetProfitINR": {
  "metro": [
   34500,
   95500
  ],
  "tier2": [
   17500,
   39000
  ],
  "smallTown": [
   13000,
   28000
  ]
 },
 "licences": [
  "Certificate of Vending from the Town Vending Committee (for carts and stalls)",
  "annual Legal Metrology stamping of your weighing scale",
  "FSSAI basic registration (₹100/year)",
  "municipal trade licence or Shops & Establishments registration for a fixed shop",
  "no GST on fresh fruit and vegetables"
 ],
 "risks": [
  "wastage of leafy greens and soft stock",
  "tomato and onion price spikes",
  "encroachment drives against carts",
  "quick-commerce apps in big cities"
 ],
 "factors": [
  {
   "id": "A01",
   "cat": "A Setup & capital",
   "name": "Format choice",
   "value": "Push-cart thela / footpath stall / small fixed shop (80–200 sq ft) / large F&V store (400–1,000 sq ft)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "A02",
   "cat": "A Setup & capital",
   "name": "Push-cart (thela) cost",
   "value": "₹8,000–18,000 new; ₹4,000–8,000 used",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "A03",
   "cat": "A Setup & capital",
   "name": "Electronic weighing scale (30 kg, platform)",
   "value": "₹2,000–5,000",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "A04",
   "cat": "A Setup & capital",
   "name": "Plastic crates (20–40)",
   "value": "₹150–350 each; ₹3,000–10,000 set",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "A05",
   "cat": "A Setup & capital",
   "name": "Opening stock",
   "value": "₹3,000–6,000 thela; ₹15,000–20,000 small shop; ₹50,000+ large store",
   "role": "PD",
   "source": "IIFL: https://www.iifl.com/blogs/gold-loan/how-to-start-a-vegetable-shop-business-in-madhya-pradesh",
   "estimate": false
  },
  {
   "id": "A06",
   "cat": "A Setup & capital",
   "name": "Shop deposit / first rent",
   "value": "₹5,000–10,000 (T3/T2 lean); ₹30,000–1.5 lakh (T1 deposit of 3–10 months' rent)",
   "role": "PD",
   "source": "IIFL (lean); T1 Est.",
   "estimate": false
  },
  {
   "id": "A07",
   "cat": "A Setup & capital",
   "name": "Shop fit-out (racks, sloped display, shade, lights, fans)",
   "value": "₹10,000–40,000 small; ₹2–6 lakh for chilled display store",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "A08",
   "cat": "A Setup & capital",
   "name": "Visi-cooler / cold display (optional)",
   "value": "₹40,000–1.5 lakh",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "A09",
   "cat": "A Setup & capital",
   "name": "Working-capital buffer",
   "value": "₹5,000–10,000",
   "role": "PD",
   "source": "IIFL",
   "estimate": false
  },
  {
   "id": "A10",
   "cat": "A Setup & capital",
   "name": "Total setup, lean outlet",
   "value": "₹30,000–50,000",
   "role": "HV",
   "source": "IIFL: https://www.iifl.com/blogs/gold-loan/how-to-start-a-vegetable-shop-business-in-madhya-pradesh",
   "estimate": false
  },
  {
   "id": "A11",
   "cat": "A Setup & capital",
   "name": "Umbrella, tarpaulin, LED lamp, battery",
   "value": "₹1,500–5,000",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "B01",
   "cat": "B Location & footfall",
   "name": "Location type",
   "value": "Residential lane / society gate / weekly haat / station or bus stand / main market",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "B02",
   "cat": "B Location & footfall",
   "name": "Daily walk-past footfall",
   "value": "300–3,000 people near stall",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "B03",
   "cat": "B Location & footfall",
   "name": "Conversion of walk-past to buyers",
   "value": "3–10%",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "B04",
   "cat": "B Location & footfall",
   "name": "Housing-society gate premium",
   "value": "Ticket 1.3–1.8× lane average",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "B05",
   "cat": "B Location & footfall",
   "name": "Vending zone status",
   "value": "Vending zone / restricted / no-vending",
   "role": "HV",
   "source": "NASVI: https://nasvinet.org/amended-street-vendors-act-notified/",
   "estimate": false
  },
  {
   "id": "B06",
   "cat": "B Location & footfall",
   "name": "Mobile route (thela)",
   "value": "2–5 km a day, door to door",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "B07",
   "cat": "B Location & footfall",
   "name": "Distance to mandi",
   "value": "1–25 km",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "B08",
   "cat": "B Location & footfall",
   "name": "Commercial rent (small shop)",
   "value": "T1 ₹15,000–50,000/mo; T2 ₹6,000–20,000; T3 ₹2,000–8,000",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "B09",
   "cat": "B Location & footfall",
   "name": "Weekly haat slot",
   "value": "₹20–100 per day",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "B10",
   "cat": "B Location & footfall",
   "name": "Evening vs morning traffic",
   "value": "Evening 5–9 pm = 50–60% of sales in working-class and office areas",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "C01",
   "cat": "C Products & pricing",
   "name": "Basket breadth",
   "value": "25–40 SKUs (stall); 60–120 (shop incl. exotics)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "C02",
   "cat": "C Products & pricing",
   "name": "Average markup over mandi buy price",
   "value": "30–50% (2014 average 48.8%; can exceed 100%)",
   "role": "PD",
   "source": "HortiDaily/ASSOCHAM 2014: https://www.hortidaily.com/article/6009941/india-vegetables-prices-up-by-80-in-two-months/",
   "estimate": false
  },
  {
   "id": "C03",
   "cat": "C Products & pricing",
   "name": "Markup on onion/potato",
   "value": "15–30%",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "C04",
   "cat": "C Products & pricing",
   "name": "Markup on leafy greens (palak, methi, dhania)",
   "value": "60–150%",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "C05",
   "cat": "C Products & pricing",
   "name": "Markup on tomato",
   "value": "30–80%",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "C06",
   "cat": "C Products & pricing",
   "name": "Markup on fruit (banana, apple, seasonal)",
   "value": "25–60%; exotic 50–100%",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "C07",
   "cat": "C Products & pricing",
   "name": "Free dhania/mirchi with purchase",
   "value": "₹1–3 cost per order",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "C08",
   "cat": "C Products & pricing",
   "name": "Price sensitivity (onion, potato, tomato)",
   "value": "High. Buyers switch for ₹2–5/kg",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "C09",
   "cat": "C Products & pricing",
   "name": "Bargaining discount",
   "value": "3–8% of ticket",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "C10",
   "cat": "C Products & pricing",
   "name": "End-of-day markdown",
   "value": "20–50% off on soft stock after 8 pm",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "C11",
   "cat": "C Products & pricing",
   "name": "Pre-cut / cleaned veg packs",
   "value": "50–100% premium",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "C12",
   "cat": "C Products & pricing",
   "name": "GST on fresh fruit & veg",
   "value": "Nil (0%) on unprocessed fresh produce",
   "role": "HV",
   "source": "IIFL (\"nil-rated\"); brief constants",
   "estimate": false
  },
  {
   "id": "D01",
   "cat": "D Inputs & supply chain",
   "name": "Sourcing channel",
   "value": "APMC mandi via arhtiya, wholesaler, direct from farmer or FPO, B2B app",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "D02",
   "cat": "D Inputs & supply chain",
   "name": "Mandi trading hours",
   "value": "About 3–8 am for retailer buying",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "D03",
   "cat": "D Inputs & supply chain",
   "name": "Commission agent fee",
   "value": "About 5–6% of sale value (Amritsar asked for 10%)",
   "role": "HV",
   "source": "Scroll (Azadpur 6%): https://amp.scroll.in/article/669679/scroll_in",
   "estimate": false
  },
  {
   "id": "D04",
   "cat": "D Inputs & supply chain",
   "name": "Market fee / cess",
   "value": "About 0.5–2% (state-specific)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "D05",
   "cat": "D Inputs & supply chain",
   "name": "Mandi-to-shop transport",
   "value": "₹100–500 per trip (shared tempo or e-rickshaw); ₹0 for cart walkers",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "D06",
   "cat": "D Inputs & supply chain",
   "name": "Loading / palledar charges",
   "value": "₹5–20 per bag or crate",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "D07",
   "cat": "D Inputs & supply chain",
   "name": "Buying frequency",
   "value": "Daily (leafy, tomato); 2–3×/week (onion, potato)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "D08",
   "cat": "D Inputs & supply chain",
   "name": "Farm-to-market loss (reference)",
   "value": "Vegetables 4.87–11.61%; fruits 6.02–15.05%; tomato about 11.6%",
   "role": "HV",
   "source": "NABCONS via RS answer: https://rsdebate.nic.in/bitstream/123456789/750216/1/PQ_265_02082024_U1348_p318_p319.pdf",
   "estimate": false
  },
  {
   "id": "D09",
   "cat": "D Inputs & supply chain",
   "name": "Retail wastage, all items",
   "value": "5–12% of purchase value",
   "role": "HV",
   "source": "Inderscience: https://www.inderscience.com/filter.php?aid=81429",
   "estimate": true
  },
  {
   "id": "D10",
   "cat": "D Inputs & supply chain",
   "name": "Wastage, leafy greens",
   "value": "15–40% (summer high)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "D11",
   "cat": "D Inputs & supply chain",
   "name": "Wastage, onion & potato",
   "value": "1–4% (sprouting, rot in monsoon)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "D12",
   "cat": "D Inputs & supply chain",
   "name": "Wastage, tomato",
   "value": "8–15%",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "D13",
   "cat": "D Inputs & supply chain",
   "name": "Shrinkage (moisture loss, weight)",
   "value": "2–5% on greens, gourd, coriander",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "D14",
   "cat": "D Inputs & supply chain",
   "name": "Wholesale credit (udhaar from arhtiya)",
   "value": "0–3 days for regulars",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "D15",
   "cat": "D Inputs & supply chain",
   "name": "Grade selection (A vs B grade)",
   "value": "B grade 20–40% cheaper",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "D16",
   "cat": "D Inputs & supply chain",
   "name": "Carry bags",
   "value": "₹0.5–2 each; plastic below 120 micron banned",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E01",
   "cat": "E Operations & capacity",
   "name": "Working day",
   "value": "13–16 hours (mandi 4 am → close 9–10 pm)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E02",
   "cat": "E Operations & capacity",
   "name": "Days open",
   "value": "7 per week; some take 1 mandi-closed day",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E03",
   "cat": "E Operations & capacity",
   "name": "Cart capacity",
   "value": "80–200 kg of stock",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E04",
   "cat": "E Operations & capacity",
   "name": "Shop stock on hand",
   "value": "300–1,000 kg",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E05",
   "cat": "E Operations & capacity",
   "name": "Throughput per seller",
   "value": "30–60 customers per hour at peak",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E06",
   "cat": "E Operations & capacity",
   "name": "Sorting / grading time",
   "value": "1–2 hours a day",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E07",
   "cat": "E Operations & capacity",
   "name": "Water sprinkling / wet sack",
   "value": "Several times a day",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E08",
   "cat": "E Operations & capacity",
   "name": "Electricity (shop)",
   "value": "₹300–1,500/mo; ₹2,000–5,000 with cooler",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E09",
   "cat": "E Operations & capacity",
   "name": "Storage overnight",
   "value": "Shop locks stock. Thela vendors pay ₹10–30 a night or take it home",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "E10",
   "cat": "E Operations & capacity",
   "name": "Ripening (banana, mango)",
   "value": "Carbide-free ethylene only; carbide banned (FSSAI)",
   "role": "PD",
   "source": "FSSAI ban on calcium carbide (general knowledge; not re-fetched)",
   "estimate": false
  },
  {
   "id": "F01",
   "cat": "F Labour",
   "name": "Owner / family labour",
   "value": "1–3 family members, unpaid",
   "role": "HV",
   "source": "PARI: https://ruralindiaonline.org/or/library/resource/working-life-of-street-vendors-in-mumbai/",
   "estimate": true
  },
  {
   "id": "F02",
   "cat": "F Labour",
   "name": "Helper wage",
   "value": "T1 ₹12,000–18,000/mo; T2 ₹9,000–13,000; T3 ₹6,000–10,000",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "F03",
   "cat": "F Labour",
   "name": "Daily-wage helper",
   "value": "₹400–700 a day",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "F04",
   "cat": "F Labour",
   "name": "Delivery boy",
   "value": "₹8,000–14,000/mo or ₹20–40 per drop",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "F05",
   "cat": "F Labour",
   "name": "Helper attrition",
   "value": "High; 3–12 months tenure",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "F06",
   "cat": "F Labour",
   "name": "Skill: produce judgement",
   "value": "Learned over months",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "F07",
   "cat": "F Labour",
   "name": "Mandi bargaining skill",
   "value": "Saves 3–10% on buy price",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "F08",
   "cat": "F Labour",
   "name": "Helper theft / cash leakage",
   "value": "0–3% of sales",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G01",
   "cat": "G Demand drivers",
   "name": "Time of day",
   "value": "Peaks 7–10 am and 5–9 pm",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G02",
   "cat": "G Demand drivers",
   "name": "Day of week",
   "value": "Sunday +20–40% in residential areas",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G03",
   "cat": "G Demand drivers",
   "name": "Summer (Apr–Jun)",
   "value": "Fruit demand up (mango, watermelon); greens supply down, wastage up",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G04",
   "cat": "G Demand drivers",
   "name": "Monsoon (Jul–Sep)",
   "value": "Supply disruption and price spikes; fewer customers on heavy-rain days",
   "role": "RE",
   "source": "BS 2017: https://www.business-standard.com/article/pti-stories/tomato-prices-soar-to-rs-100-per-kg-in-delhi-ncr-on-low-supply-117072500502_1.html",
   "estimate": false
  },
  {
   "id": "G05",
   "cat": "G Demand drivers",
   "name": "Heavy-rain day",
   "value": "Footfall −30–70% for stalls",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G06",
   "cat": "G Demand drivers",
   "name": "Winter (Nov–Feb)",
   "value": "Peak supply. Low prices, greens abundant",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G07",
   "cat": "G Demand drivers",
   "name": "Navratri / Shravan / Ekadashi fasting",
   "value": "Spike in fruit, sweet potato, arbi, cucumber",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G08",
   "cat": "G Demand drivers",
   "name": "Diwali / Chhath / Pongal / Onam",
   "value": "Fruit for puja +50–200% in the run-up",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G09",
   "cat": "G Demand drivers",
   "name": "Weddings season",
   "value": "Bulk catering orders",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G10",
   "cat": "G Demand drivers",
   "name": "Month-start salary effect",
   "value": "Ticket +10–20% in first week",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G11",
   "cat": "G Demand drivers",
   "name": "Ramzan evenings",
   "value": "Fruit demand surge (dates, banana, watermelon)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "G12",
   "cat": "G Demand drivers",
   "name": "Exam / holiday migration",
   "value": "Students and migrant workers leave; demand −10–30%",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "H01",
   "cat": "H Customer behaviour",
   "name": "Average ticket",
   "value": "T1 ₹120–200; T2 ₹90–140; T3 ₹60–100",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "H02",
   "cat": "H Customer behaviour",
   "name": "Purchase frequency",
   "value": "Every 1–3 days",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "H03",
   "cat": "H Customer behaviour",
   "name": "Repeat-customer share",
   "value": "60–80% for fixed spots",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "H04",
   "cat": "H Customer behaviour",
   "name": "UPI share of transactions",
   "value": "50–75% urban; 30–50% T3 (lower than the 87% national average because tickets are small)",
   "role": "HV",
   "source": "Brief constant (87%) adjusted down; Est.",
   "estimate": false
  },
  {
   "id": "H05",
   "cat": "H Customer behaviour",
   "name": "Udhaar (credit) customers",
   "value": "5–20% of sales on weekly or monthly tab",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "H06",
   "cat": "H Customer behaviour",
   "name": "Freshness sensitivity",
   "value": "Loses customers after 1–2 bad experiences",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "H07",
   "cat": "H Customer behaviour",
   "name": "Trust in weighing",
   "value": "Customers check scales; mistrust drives switching",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "H08",
   "cat": "H Customer behaviour",
   "name": "Women-led purchase decisions",
   "value": "Majority of household F&V buying",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "H09",
   "cat": "H Customer behaviour",
   "name": "Order via WhatsApp / phone",
   "value": "5–20% of sales for shops that offer it",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "I01",
   "cat": "I Competition & market",
   "name": "Nearby sabzi sellers",
   "value": "3–15 within 500 m",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "I02",
   "cat": "I Competition & market",
   "name": "Quick-commerce (Blinkit 46% / Zepto 29% / Instamart 24%)",
   "value": "10–20 min delivery in T1, expanding to T2",
   "role": "HV",
   "source": "Cornell (MOSL Q1 2025): https://business.cornell.edu/article/2025/05/indias-quick-commerce-boom",
   "estimate": false
  },
  {
   "id": "I03",
   "cat": "I Competition & market",
   "name": "Kirana spend loss to quick-commerce",
   "value": "46% of survey respondents spend less (contested)",
   "role": "HV",
   "source": "Drishti/Datum: https://www.drishtiias.com/current-affairs-news-analysis-editorials/news-editorials/18-01-2025/print/manual",
   "estimate": false
  },
  {
   "id": "I04",
   "cat": "I Competition & market",
   "name": "Organised supermarkets (Reliance Fresh/Smart, More, DMart, Spencer's)",
   "value": "Weekend promos on onion and tomato",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "I05",
   "cat": "I Competition & market",
   "name": "BigBasket / scheduled e-grocery",
   "value": "Next-day F&V subscriptions",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "I06",
   "cat": "I Competition & market",
   "name": "Govt subsidised sales (NAFED/NCCF tomato or onion vans)",
   "value": "₹25–90/kg in spike periods",
   "role": "RE",
   "source": "Tribune 2023: https://www.tribuneindia.com/news/nation/tomato-prices-ruling-up-to-rs-250-kg-centre-selling-at-rs-90-kg-in-delhi-ncr-patna-lucknow-525952",
   "estimate": false
  },
  {
   "id": "I07",
   "cat": "I Competition & market",
   "name": "Farmer direct markets (rythu bazaar, apni mandi, uzhavar sandhai)",
   "value": "Prices 10–30% below retail",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "I08",
   "cat": "I Competition & market",
   "name": "New thela entrant",
   "value": "Low entry barrier; new rival every few months",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "I09",
   "cat": "I Competition & market",
   "name": "Trust advantage over apps",
   "value": "Freshness and touch-and-pick; small survey shows F&V less often bought online",
   "role": "HV",
   "source": "NextLeap (weak): https://assets.nextleap.app/submissions/NL_Blinkit-0975d42b-9426-487b-8e65-e405d23e71ee.pdf",
   "estimate": false
  },
  {
   "id": "J01",
   "cat": "J Regulation & compliance",
   "name": "Certificate of Vending (Street Vendors Act 2014)",
   "value": "Issued by TVC after a survey. Valid 9 years (Delhi)",
   "role": "PD",
   "source": "NASVI: https://nasvinet.org/amended-street-vendors-act-notified/",
   "estimate": false
  },
  {
   "id": "J02",
   "cat": "J Regulation & compliance",
   "name": "Monthly vending fee",
   "value": "Delhi: cart ₹300–2,500; stall ₹200–5,000 (2016)",
   "role": "HV",
   "source": "NASVI: https://nasvinet.org/amended-street-vendors-act-notified/",
   "estimate": false
  },
  {
   "id": "J03",
   "cat": "J Regulation & compliance",
   "name": "Stall size limit",
   "value": "6×4 ft, about 3 ft high (Delhi)",
   "role": "HV",
   "source": "NASVI",
   "estimate": false
  },
  {
   "id": "J04",
   "cat": "J Regulation & compliance",
   "name": "Overflow vendors",
   "value": "Draw of lots; move to an adjoining zone",
   "role": "RE",
   "source": "Haryana Act",
   "estimate": false
  },
  {
   "id": "J05",
   "cat": "J Regulation & compliance",
   "name": "Weighing-scale verification & stamping",
   "value": "Annual. Fee ₹10–5,000 by instrument class (Karnataka; doubled 2025)",
   "role": "PD",
   "source": "Deccan Herald: https://www.deccanherald.com/india/karnataka/bengaluru/verification-stamping-fee-hiked-weights-2049124",
   "estimate": false
  },
  {
   "id": "J06",
   "cat": "J Regulation & compliance",
   "name": "Legal Metrology raid / fine",
   "value": "Compounding fine for unverified scale or short weighing",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "J07",
   "cat": "J Regulation & compliance",
   "name": "FSSAI registration",
   "value": "Basic registration (up to ₹1.5 cr turnover from Apr 2026)",
   "role": "PD",
   "source": "Brief constant; IIFL",
   "estimate": false
  },
  {
   "id": "J08",
   "cat": "J Regulation & compliance",
   "name": "Municipal trade licence / Shops & Establishments",
   "value": "Required for a fixed shop",
   "role": "PD",
   "source": "IIFL",
   "estimate": false
  },
  {
   "id": "J09",
   "cat": "J Regulation & compliance",
   "name": "GST registration",
   "value": "Not needed in practice. Exempt/nil supplies; threshold ₹40 lakh goods",
   "role": "HV",
   "source": "Brief constant",
   "estimate": false
  },
  {
   "id": "J10",
   "cat": "J Regulation & compliance",
   "name": "Encroachment drive / eviction",
   "value": "Several times a year in non-vending areas",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "J11",
   "cat": "J Regulation & compliance",
   "name": "Informal payments demanded",
   "value": "Common complaint from vendors",
   "role": "RE",
   "source": "Manushi (older): https://indiatogether.org/manushi/vendors/extortion.htm",
   "estimate": false
  },
  {
   "id": "J12",
   "cat": "J Regulation & compliance",
   "name": "Plastic carry-bag ban",
   "value": "Fines for thin plastic",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "J13",
   "cat": "J Regulation & compliance",
   "name": "Fees collected without certificates (AP)",
   "value": "Alleged",
   "role": "RE",
   "source": "Deccan Chronicle: https://www.deccanchronicle.com/amp/southern-states/andhra-pradesh/andhra-pradesh-street-vendors-federation-flags-irregularities-in-town-vending-committees-1987964",
   "estimate": false
  },
  {
   "id": "K01",
   "cat": "K Marketing & reputation",
   "name": "Display quality (stacked pyramids, water mist, lighting)",
   "value": "₹0–2,000 effort",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "K02",
   "cat": "K Marketing & reputation",
   "name": "Cart call-out (\"sabzi le lo\") / speaker",
   "value": "₹500–1,500 for a speaker",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "K03",
   "cat": "K Marketing & reputation",
   "name": "WhatsApp broadcast price list",
   "value": "Free; 50–500 contacts",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "K04",
   "cat": "K Marketing & reputation",
   "name": "Google Maps listing",
   "value": "Free",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "K05",
   "cat": "K Marketing & reputation",
   "name": "Freshness reputation score",
   "value": "Builds slowly, falls fast after bad stock",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "K06",
   "cat": "K Marketing & reputation",
   "name": "Honest-weight reputation",
   "value": "—",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "K07",
   "cat": "K Marketing & reputation",
   "name": "Loyalty extras (free dhania, round-off)",
   "value": "₹1–5 per order",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "K08",
   "cat": "K Marketing & reputation",
   "name": "Society tie-up (weekly stall in society)",
   "value": "₹0–1,000/month to RWA",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L01",
   "cat": "L Risks & shocks",
   "name": "Tomato price spike",
   "value": "2–5× normal (e.g., ₹178/kg Delhi Jul 2023)",
   "role": "RE",
   "source": "BS 2023: https://www.business-standard.com/india-news/average-tomato-prices-in-delhi-drop-to-rs-150-per-kg-says-govt-data-123071700897_1.html",
   "estimate": false
  },
  {
   "id": "L02",
   "cat": "L Risks & shocks",
   "name": "Onion price spike",
   "value": "2–4× (export curbs, rain damage)",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L03",
   "cat": "L Risks & shocks",
   "name": "Price crash (glut)",
   "value": "Mandi price −50–80%",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L04",
   "cat": "L Risks & shocks",
   "name": "Day-to-day mandi price swing",
   "value": "±10–30% for tomato and greens",
   "role": "HV",
   "source": "RBI: https://www.rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=58813",
   "estimate": true
  },
  {
   "id": "L05",
   "cat": "L Risks & shocks",
   "name": "Heatwave",
   "value": "Leafy wastage ×1.5–2; fewer customers midday",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L06",
   "cat": "L Risks & shocks",
   "name": "Flood / waterlogging",
   "value": "1–5 lost days",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L07",
   "cat": "L Risks & shocks",
   "name": "Cart seized in encroachment drive",
   "value": "₹500–5,000 to recover plus lost days",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L08",
   "cat": "L Risks & shocks",
   "name": "Illness of owner",
   "value": "Business stops",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L09",
   "cat": "L Risks & shocks",
   "name": "Mandi strike / transporter strike",
   "value": "1–3 days",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L10",
   "cat": "L Risks & shocks",
   "name": "Bad buy (poor-quality lot)",
   "value": "Lose 20–50% of lot value",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L11",
   "cat": "L Risks & shocks",
   "name": "Theft of cash or stock",
   "value": "Occasional",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "L12",
   "cat": "L Risks & shocks",
   "name": "Customer default on udhaar",
   "value": "1–3% of credit sales",
   "role": "RE",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "M01",
   "cat": "M Financing",
   "name": "PM SVANidhi tranche 1",
   "value": "₹15,000 (was ₹10,000)",
   "role": "PD",
   "source": "Tribune: https://www.tribuneindia.com/news/india/street-vendors-scheme-gets-cabinet-nod-for-restructuring-lending-period-extension",
   "estimate": false
  },
  {
   "id": "M02",
   "cat": "M Financing",
   "name": "PM SVANidhi tranche 2",
   "value": "₹25,000 (was ₹20,000)",
   "role": "PD",
   "source": "same",
   "estimate": false
  },
  {
   "id": "M03",
   "cat": "M Financing",
   "name": "PM SVANidhi tranche 3",
   "value": "₹50,000",
   "role": "PD",
   "source": "same",
   "estimate": false
  },
  {
   "id": "M04",
   "cat": "M Financing",
   "name": "RuPay credit card (UPI-linked)",
   "value": "After timely repayment of tranche 2",
   "role": "PD",
   "source": "NewsOnAir: https://newsonair.gov.in/union-cabinet-approves-restructuring-of-pm-svanidhi-scheme",
   "estimate": false
  },
  {
   "id": "M05",
   "cat": "M Financing",
   "name": "Interest subsidy",
   "value": "7% on timely repayment (original scheme design)",
   "role": "HV",
   "source": "Bank of Maharashtra: https://bankofmaharashtra.bank.in/pm-svanidhi-scheme",
   "estimate": false
  },
  {
   "id": "M06",
   "cat": "M Financing",
   "name": "Digital cashback",
   "value": "Up to ₹1,600 (retail + wholesale digital transactions)",
   "role": "HV",
   "source": "Business Standard: https://www.business-standard.com/india-news/cabinet-clears-restructuring-extension-of-pm-svanidhi-scheme-till-2030-125082700524_1.html",
   "estimate": false
  },
  {
   "id": "M07",
   "cat": "M Financing",
   "name": "Scheme window",
   "value": "Lending until 31 Mar 2030",
   "role": "HV",
   "source": "Bank of Maharashtra",
   "estimate": false
  },
  {
   "id": "M08",
   "cat": "M Financing",
   "name": "Mudra Shishu / Kishor",
   "value": "≤₹50k / ≤₹5 lakh",
   "role": "PD",
   "source": "Brief constants",
   "estimate": false
  },
  {
   "id": "M09",
   "cat": "M Financing",
   "name": "Moneylender / daily finance (\"meter byaj\")",
   "value": "2–10% per month (daily-collection loans)",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "M10",
   "cat": "M Financing",
   "name": "Arhtiya trade credit",
   "value": "0–3 days, interest-free for regulars",
   "role": "PD",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "N01",
   "cat": "N Unit-economics benchmarks",
   "name": "Gross margin after wastage",
   "value": "18–28% of sales",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "N02",
   "cat": "N Unit-economics benchmarks",
   "name": "Variable cost % (COGS + wastage + transport + bags)",
   "value": "75–84% of revenue",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "N03",
   "cat": "N Unit-economics benchmarks",
   "name": "Stock turnover",
   "value": "1–2 days (perishables); 4–7 days (onion, potato)",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "N04",
   "cat": "N Unit-economics benchmarks",
   "name": "Daily revenue, thela",
   "value": "₹3,000–8,000",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "N05",
   "cat": "N Unit-economics benchmarks",
   "name": "Daily revenue, small shop",
   "value": "T1 ₹12,000–25,000; T2 ₹8,000–16,000; T3 ₹4,000–9,000",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "N06",
   "cat": "N Unit-economics benchmarks",
   "name": "Monthly net income, stationary street vendor (Delhi 2022)",
   "value": "About ₹25,300",
   "role": "HV",
   "source": "JMI 2022: https://www.jmi.ac.in/upload/Research/ab_2022_economics_manvi.pdf",
   "estimate": false
  },
  {
   "id": "N07",
   "cat": "N Unit-economics benchmarks",
   "name": "Break-even daily sales, small shop T2",
   "value": "About ₹3,000–4,500 a day",
   "role": "HV",
   "source": "Est.",
   "estimate": true
  },
  {
   "id": "N08",
   "cat": "N Unit-economics benchmarks",
   "name": "Payback of lean setup",
   "value": "1–4 months",
   "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."
}