§1What this business is

Fabric bought in rolls is spread in layers, cut to card-board patterns with a motorised cutter, and stitched on an assembly line where each operator does one part of the job. Some pieces go for embroidery, patchwork, piping or mirror work; finished pieces are cleaned of loose threads, checked and packed. Products include curtains, bed covers, duvet covers, quilts, cushions and cushion covers. Buyers are furnishing shops, departmental stores and wholesalers.

§2Is it right for you?

Who it is for

Someone with a textile or garment background and orders from furnishing shops or stores.

Who it is not for

Someone who cannot manage a large stitching floor or keep fabric stock under control.

Advantages

  • Every home buys curtains and bed covers
  • Rising incomes and new homes push demand
  • Versatile machines can switch to garments
  • Fabric and trims are easy to buy in wholesale markets

Drawbacks

  • Very thin margin on a large turnover
  • Needs a big trained workforce (40 people)
  • Designs and colours go out of fashion
  • Heavy fabric stock ties up money

Skills you need

  • Pattern cutting to save fabric
  • Running an assembly-line stitching floor
  • Design and colour sense
  • Selling to stores and wholesalers

Why difficulty 3/5: Simple machines, but a large workforce and a thin margin need tight control.

§3Market

Who buys

  • Home furnishing shops
  • Departmental stores
  • Wholesalers

How it sells

  • Direct supply to stores
  • Wholesale markets
  • Orders from retail chains

Good to know

  • The profile ties demand to rising incomes, nuclear families and new homes.
  • Full-capacity sales in the profile are ₹558.73 L a year.

§4Raw material & machinery

ItemQtyCost
Single-needle sewing machine10₹6.00 lakh
Double-needle sewing machine5₹3.75 lakh
Eyelet machine1₹0.50 lakh
Overlock machine2₹0.80 lakh
Cutting table and cutting machine2₹2.00 lakh
Embroidery machine2₹1.00 lakh
Quilting machine2₹1.50 lakh

From: SIDBI Stand-Up Mitra project profile — Home Furnishing (2018) — private guide — confirm locally

  • Furnishing fabric — cotton, polyester, acrylic, viscose, jute, silk and blendsassumed at ₹70–100 a metre; easily available in wholesale markets
  • Trims — embroidery thread, mirror glass, beads, piping, danglersadded for design value
  • Packing bagsas per customer requirement

From: SIDBI Stand-Up Mitra project profile — Home Furnishing (2018) — private guide — confirm locally

§5Licences & registration

  1. Udyam registration
  2. GST registration
  3. Shops & Establishment registration
  4. Professional tax registration
  5. Factory licence, PF and ESI depending on the number of workers

We can do this registration for you

§6Schemes & subsidies

PMEGP covers manufacturing projects up to ₹50 L; the ₹13.53 L bank loan is within MUDRA; Stand-Up India for SC/ST or women founders; CGTMSE for a loan without collateral.

§7Money

How the investment is worked out: Plant & machinery ₹15.55 L + furniture and electrical ₹5.50 L + rent deposits ₹1.50 L + working-capital margin ₹10.30 L = ₹32.85 L. No land or building (rented). Promoter ₹19.32 L, bank ₹13.53 L.

Working capital: Working capital ₹21.11 L (fabric stock ₹36.72 L and receivables ₹7.00 L, less supplier credit ₹25.71 L); margin ₹10.30 L, bank ₹10.81 L.

Prices from 2018 — machinery and running costs will be higher now.

How to prepare a loan file

§8Export potential

Confirm the HS code in the DGFT ITC(HS) lookup before you export

6303.92Curtains and interior blinds, not knitted, of synthetic fibres6304.92Other furnishing articles, not knitted or crocheted, of cotton

Export council / board: TEXPROCIL (Cotton Textiles Export Promotion Council)

  • Confirm the 8-digit ITC(HS) line with DGFT or your customs broker before shipping.
  • You need an Import Export Code (IEC) from DGFT before the first shipment.

§9Risks — where people fail

  • Fabric price rises eating the margin
  • Unsold design stock
  • Worker turnover
  • Delayed payments from stores

§1030 / 60 / 90-day plan

A general plan that applies to any business. A plan for this business will be added after research.

  1. Days 1–30: Visit a working home furnishing stitching unit unit, ask 10 buyers about price and quantity, and get quotations from 3 suppliers.
  2. Days 31–60: Udyam and the licences you need (Udyam registration, GST registration), a project report (DPR), and the scheme or loan file.
  3. Days 61–90: Space and machines, trial production, and first deliveries to 10 customers.

§11Who to connect with

Not verified yet

Associations, clusters and training institutes — the directory is being built. Connect

§12Watch

There is no episode on this business yet. Shows are coming soon on the Podcast page.

Want to start Home Furnishing Stitching Unit?

DPR, loan file or registration — ask us on WhatsApp.

Get a DPR / loan file made

Sources

  1. SIDBI Stand-Up Mitra project profile — Home Furnishing (2018)

Data review: 6 October 2026. Spotted a mistake? Report it. For information only — not legal or financial advice.