{"id":"in","country":"in","kind":"country","name":{"en":"India","local":"भारत"},"languages":["hi","en"],"currency":"INR","symbol":"₹","fxPerUsd":94,"cities":{"T1":"Delhi","T2":"Lucknow","T3":"Sitapur"},"basket":{"teaCup":12,"simpleMeal":80,"haircutMen":100,"milkLitre":60,"breadLoaf":45,"unskilledDayWage":500,"minWageMonthly":12500,"shopRentSqftMonth":{"T1":150,"T2":60,"T3":25},"electricityCommercialKwh":9.5,"lpgCommercialCylinder":2810,"petrolLitre":102.12},"tax":{"salesTax":"GST slabs 0/5/18/40% from 22 Sep 2025 (salon 5% no ITC; cakes 5%; mobile repair 18%; tobacco 40%)","smallBizThreshold":"GST registration ₹40 lakh goods / ₹20 lakh services (₹20/₹10 lakh in special-category states); composition 1% up to ₹1.5 crore","localLevies":"Professional tax up to ₹2,500/yr in states that levy it; municipal trade/health licence fees vary by city"},"licences":[{"name":"FSSAI basic registration (food businesses up to ₹1.5 crore turnover)","fee":"₹100/yr","authority":"FSSAI via FoSCoS","source":"https://www.fssai.gov.in/upload/advisories/2026/03/69c6a23234827order_27032026.pdf"},{"name":"Udyam (MSME) registration","fee":"Free, online, Aadhaar-based","authority":"Ministry of MSME","source":"https://udyamregistration.gov.in/"},{"name":"GST registration (above threshold or voluntary)","fee":"Free","authority":"GSTN / CBIC","source":"https://accountune.com/how-to-start-a-kirana-store-in-india"},{"name":"Shop & Establishment registration/intimation","fee":"State-specific (free intimation to ~₹2,500)","authority":"State labour dept","source":"https://calcguru.in/?p=1426"},{"name":"Certificate of Vending (street vendors)","fee":"Nominal, by town vending committee","authority":"Urban local body (Street Vendors Act 2014)","source":"https://newsonair.gov.in/union-cabinet-approves-restructuring-of-pm-svanidhi-scheme"}],"festivals":[{"name":"Diwali (Dhanteras to Bhai Dooj)","dates2026_27":"6–11 Nov 2026 (Diwali 8 Nov)","effect":"biggest retail week: sweets, gifts, clothes, salons up sharply; many small shops shut 1–2 days after"},{"name":"Wedding season","dates2026_27":"21–26 Nov 2026, early Dec 2026; Jan–Feb and Apr–May 2027","effect":"salon, catering, tailoring, sweets demand spikes"},{"name":"Holi","dates2026_27":"about 22 Mar 2027 (verify)","effect":"sweets, colours, snacks up; most shops shut on the day in the North"},{"name":"Eid al-Fitr","dates2026_27":"about 10 Mar 2027 (moon-dependent)","effect":"meat, sweets, clothes demand up in Muslim neighbourhoods"},{"name":"Navratri–Dussehra","dates2026_27":"11–20 Oct 2026 (passed); next about Oct 2027","effect":"fasting foods up, meat down in Hindu areas; garba/puja spending"}],"seasons":[{"months":"Apr–Jun","what":"Pre-monsoon heat (45°C+ in north and central India): cold drinks up, hot tea and daytime footfall down"},{"months":"Jun–Sep","what":"South-west monsoon: rain cuts street-vendor days, vegetable prices spike"},{"months":"Oct–Feb","what":"Festival and wedding peak; winter boosts tea, snacks"}],"payments":{"digitalShare":"UPI is 86.8% of retail payment volume nationally (Q1 FY27), but merchant-level cash share stays high for sub-₹50 tickets: street vendors about 46% digital","credit":"udhaar (store credit) common in kirana and chemist; informal loans 2–10%/month"},"notes":"This is the national baseline every Indian state inherits. Taxes (GST), food licensing (FSSAI), MSME registration and central credit schemes (Mudra, PM SVANidhi, PMEGP, Stand-Up India) are uniform. Wages, power tariffs, professional tax, shop licensing, festivals and climate vary by state and are overridden in each state file. 2026 is an inflationary year: the West Asia / Strait of Hormuz oil shock pushed petrol up about ₹7.35/L in May 2026 and commercial LPG to ₹2,810 in Delhi, while milk rose ₹2/L in May. Basket values are Delhi (T1) for fuel and an India-typical small-town estimate for prices.","regions":[{"id":"in-maharashtra","name":"Maharashtra","why":"highest metro rents (Mumbai), costliest commercial power (~₹12+/kWh), 24x7 trading allowed from Oct 2025, Marathi signboard rule"},{"id":"in-gujarat","name":"Gujarat","why":"liquor prohibition, cheap commercial power, ~5-day post-Diwali market shutdown, no S&E registration for small shops"},{"id":"in-tamil-nadu","name":"Tamil Nadu","why":"high minimum wages, north-east monsoon season, strong local dairy (Aavin) pricing"},{"id":"in-karnataka","name":"Karnataka","why":"highest shop minimum wages (Zone 1 helper ₹16,137), Bengaluru quick-commerce pressure"},{"id":"in-kerala","name":"Kerala","why":"high wages and remittance-driven demand, high per-capita consumption"},{"id":"in-bihar","name":"Bihar","why":"prohibition, lowest per-capita income, highest LPG price (Patna ₹3,100.50)"},{"id":"in-goa","name":"Goa","why":"tourism seasonality (Oct–May), very high per-capita income, beach-shack licensing"},{"id":"in-delhi","name":"Delhi","why":"highest state minimum wages, no professional tax, dense vending zones"}],"factors":[{"id":"P01","cat":"Exchange rate","name":"INR per USD (planning rate)","value":"about ₹94/USD (Est.; per-capita conversions for 2024-25 used ~₹90.6)","role":"HV","source":"Est.: rupee fell ~5.4% Jan–Mar 2026 from about ₹90 amid the West Asia oil shock (https://thewire.in/economy/in-wake-of-depreciating-rupee-foreign-remittances-to-kerala-remain-unaffected-despite-west-asia-crisis); same rate used by other India state files","estimate":true},{"id":"P02","cat":"Income","name":"Per-capita NSDP, all-India, 2024-25 (current prices)","value":"₹234,859 (~$2,592)","role":"HV","source":"https://en.wikipedia.org/wiki/List_of_Indian_states_and_union_territories_by_GDP_per_capita","estimate":false},{"id":"P03","cat":"Demographics","name":"Urbanisation","value":"31.1% (Census 2011); about 36–37% in 2026","role":"HV","source":"Est.: Census 2011 31.1% (https://censusindia.gov.in/census.website/data/census-tables) extrapolated at ~0.5 pp/yr, consistent with UN WUP estimates","estimate":true},{"id":"P04","cat":"Wages","name":"Minimum wage, unskilled shop worker (typical state floor)","value":"₹11,000–16,500/month by state; India-typical ₹12,500","role":"HV","source":"Est.: range of 2026 state notifications (CG ₹439/day to Karnataka Zone 1 ₹16,137/mo) per WageIndicator and AscentHR; median taken","estimate":true},{"id":"P05","cat":"Wages","name":"Unskilled daily wage (typical)","value":"₹500/day","role":"HV","source":"Est.: ₹12,500 / 26 days ≈ ₹480; informal casual labour ₹400–600 in towns","estimate":true},{"id":"P06","cat":"Wages","name":"Informal shop-helper pay presets","value":"T1 ₹12–18k, T2 ₹9–13k, T3 ₹6–10k per month","role":"HV","source":"Est.: report shared constants, kirana presets (OkCredit) — https://okcredit.in/blog/how-to-open-a-kirana-store/","estimate":true},{"id":"P07","cat":"Wages","name":"Minimum-wage revision cycle","value":"Twice yearly VDA (1 Apr, 1 Oct) in most states","role":"HV","source":"https://ascent-hr.com/?p=44824","estimate":false},{"id":"P08","cat":"Labour law","name":"Four labour codes in force","value":"From 21 Nov 2025: appointment letters, timely wages; ESI at 10+, PF at 20+ employees","role":"HV","source":"https://wageindicator.org/en-in/ai/work-in-india/minimum-wage/31024-karnataka/31238-bakery-industry-and-baking-processes/","estimate":false},{"id":"P09","cat":"Rent","name":"Small-shop rent, T1 metro (per sq ft per month)","value":"₹150 (neighbourhood shop; prime high streets far higher, e.g. Khan Market ₹1,700–1,800)","role":"HV","source":"Est.: Ahmedabad average ₹120 (getoccupi, Jul 2026) and Delhi high-street data (Outlook Business, Apr–Jun 2026: https://www.outlookbusiness.com/news/retail-space-rent-in-delhis-khan-market-rises-9-annually-in-apr-jun-cw); neighbourhood shops ~10% of prime","estimate":true},{"id":"P10","cat":"Rent","name":"Small-shop rent, T2 city","value":"₹60/sq ft/month","role":"HV","source":"Est.: about 40% of T1 neighbourhood level; listing spot checks","estimate":true},{"id":"P11","cat":"Rent","name":"Small-shop rent, T3 town","value":"₹25/sq ft/month","role":"HV","source":"Est.: about 15–20% of T1; small-town bazaar shops ₹3–8k for 150–250 sq ft","estimate":true},{"id":"P12","cat":"Rent","name":"Deposit and escalation norms","value":"Deposit 3–10 months; escalation 5–10%/yr; 11-month leave-and-licence","role":"HV","source":"Est.: report shared constants (no primary source found)","estimate":true},{"id":"P13","cat":"Energy","name":"Commercial electricity, all-in per kWh","value":"₹8–12; baseline ₹9.5","role":"HV","source":"Est.: 2026 state data: Gujarat ~₹8, Chhattisgarh ~₹8.6, Maharashtra MSEDCL ~₹12.5 all-in (see state files)","estimate":true},{"id":"P14","cat":"Energy","name":"Commercial LPG 19 kg, Delhi","value":"₹2,810 (1 Oct 2026; revised on the 1st monthly)","role":"HV","source":"https://www.goodreturns.in/news/lpg-gas-cylinder-prices-hiked-october-1-2026-19-kg-commercial-lpg-prices-up-rs-62-71-50-city-wise-1538497.html","estimate":false},{"id":"P15","cat":"Energy","name":"Domestic LPG 14.2 kg, Delhi","value":"₹942 (illegal for commercial use)","role":"PD","source":"https://www.goodreturns.in/news/lpg-gas-cylinder-prices-hiked-october-1-2026-19-kg-commercial-lpg-prices-up-rs-62-71-50-city-wise-1538497.html","estimate":false},{"id":"P16","cat":"Energy","name":"Petrol, Delhi","value":"₹102.12/L (25 Oct 2026; up ₹7.35 in May 2026 from ₹94.77)","role":"HV","source":"https://www.businesstoday.in/fuel-price/petrol-price-in-new-delhi-today","estimate":false},{"id":"P17","cat":"Energy","name":"Commercial LPG shortage","value":"Rare; Mar 2026 precedent: ~20% of Mumbai eateries shut, 25-day booking wait","role":"RE","source":"https://www.theweek.in/news/biz-tech/2026/03/10/lpg-shortage-disrupts-restaurants-hotels.html","estimate":false},{"id":"P18","cat":"Prices","name":"Packet milk","value":"₹60/L Amul cow / Mother Dairy toned after +₹2 on 14 May 2026","role":"HV","source":"https://www.angelone.in/news/economy/amul-and-mother-dairy-increase-milk-prices-by-2-per-litre-effective-may-14-2026","estimate":false},{"id":"P19","cat":"Prices","name":"Cup of tea, street","value":"₹10–15; baseline ₹12","role":"HV","source":"Est.: report chai notes (₹10→₹15 price step under way in 2026)","estimate":true},{"id":"P20","cat":"Prices","name":"Simple meal (thali/plate), small eatery","value":"₹80","role":"HV","source":"Est.: CRISIL Roti Rice Rate home-cooked veg thali ~₹28–30 (Apr 2026: https://intelligence.crisil.com/en/homepage/what-we-think/all-our-thinking/reports/2026/04/roti-rice-rate-april2026.html) × eatery markup ~2.5–3","estimate":true},{"id":"P21","cat":"Prices","name":"Men's haircut, small salon","value":"₹100 (T3 ₹50–80, T1 ₹150–250)","role":"HV","source":"Est.: report salon notes","estimate":true},{"id":"P22","cat":"Prices","name":"Bread loaf 400 g","value":"₹45","role":"HV","source":"Est.: branded 400 g white bread ₹40–50 in 2026","estimate":true},{"id":"P23","cat":"Prices","name":"Sugar retail","value":"₹60/kg (peak ₹64.24 on 30 Aug 2026)","role":"HV","source":"https://telanganatoday.com/sugar-prices-remain-below-rs-60-per-kg-for-fourth-straight-day","estimate":false},{"id":"P24","cat":"Prices","name":"Food inflation","value":">4% (Apr 2026); input drift 3–8%/yr","role":"HV","source":"https://www.theweek.in/news/biz-tech/2026/05/13/amul-mother-dairy-raise-milk-prices-heres-how-much-more-youll-pay-from-may-14.amp.html","estimate":false},{"id":"P25","cat":"Tax","name":"GST rate slabs","value":"0/5/18/40% from 22 Sep 2025","role":"HV","source":"https://www.businesstoday.in/amp/india/story/gst-rate-cut-salon-visits-gyms-yoga-classes-to-get-cheaper-from-sept-22-says-cbic-494193-2025-09-16","estimate":false},{"id":"P26","cat":"Tax","name":"GST registration threshold","value":"₹40 lakh goods / ₹20 lakh services","role":"PD","source":"https://accountune.com/how-to-start-a-kirana-store-in-india","estimate":false},{"id":"P27","cat":"Tax","name":"GST composition scheme","value":"1% of turnover for traders up to ₹1.5 crore; no input credit","role":"PD","source":"https://accountune.com/how-to-start-a-kirana-store-in-india","estimate":false},{"id":"P28","cat":"Tax","name":"Presumptive income tax (s.44AD)","value":"8% of turnover deemed profit (6% on digital receipts)","role":"PD","source":"https://calcguru.in/?p=2551","estimate":false},{"id":"P29","cat":"Tax","name":"Professional tax","value":"Up to ₹2,500/yr; not levied in Delhi, UP, Haryana, Rajasthan, DNH-DD and several others","role":"HV","source":"https://ezhrm.in/professional-tax-india-2026-state-wise-slabs-filing-guide/","estimate":false},{"id":"P30","cat":"Licences","name":"FSSAI registration","value":"Basic ₹100/yr up to ₹1.5 crore turnover (from 1 Apr 2026); State licence ₹1.5–50 crore","role":"HV","source":"https://www.fssai.gov.in/upload/advisories/2026/03/69c6a23234827order_27032026.pdf","estimate":false},{"id":"P31","cat":"Licences","name":"Udyam registration","value":"Free, online; unlocks MSME schemes","role":"PD","source":"https://udyamregistration.gov.in/","estimate":false},{"id":"P32","cat":"Finance","name":"Mudra (PMMY)","value":"Shishu ≤₹50k; Kishor to ₹5 lakh; Tarun to ₹10 lakh; Tarun Plus to ₹20 lakh; collateral-free; 9–14% p.a.","role":"PD","source":"https://okcredit.in/blog/how-to-open-a-kirana-store/","estimate":false},{"id":"P33","cat":"Finance","name":"PM SVANidhi (street vendors)","value":"₹15k → ₹25k → ₹50k tranches; 7% interest subsidy; to 31 Mar 2030","role":"PD","source":"https://newsonair.gov.in/union-cabinet-approves-restructuring-of-pm-svanidhi-scheme","estimate":false},{"id":"P34","cat":"Finance","name":"PMEGP / Stand-Up India","value":"PMEGP subsidy 15–35% of project cost; Stand-Up India ₹10 lakh–1 crore for SC/ST and women","role":"PD","source":"https://www.iifl.com/blogs/business-loans/msme-loan-for-salon-and-spa-business","estimate":false},{"id":"P35","cat":"Finance","name":"Informal credit cost","value":"Shops 2–5%/month; street daily-collection loans 5–10%/month","role":"HV","source":"Est.: report shared constants (business notes disagree; reconciled band)","estimate":true},{"id":"P36","cat":"Payments","name":"UPI share of retail payment volume","value":"86.8% (Q1 FY27)","role":"HV","source":"https://www.outlookbusiness.com/amp/story/news/upi-emerges-as-dominant-retail-payment-system-with-transaction-volume-share-at-87-careedge","estimate":false},{"id":"P37","cat":"Payments","name":"Street-vendor digital share","value":"about 46% of transactions","role":"HV","source":"https://aboutamazon.in/news/retail/how-urban-india-pays","estimate":false},{"id":"P38","cat":"Competition","name":"Quick-commerce share of grocery","value":"7% urban, 16% metros; +1 pp/quarter in top metros","role":"HV","source":"https://hdfcsky.com/news/quick-commerce-is-quietly-killing-indias-kirana-store-model-gaining-1percent-share-quarterly-in-top-me","estimate":false},{"id":"P39","cat":"Festivals","name":"Diwali 2026","value":"8 Nov 2026 (Dhanteras 6 Nov, Bhai Dooj 11 Nov)","role":"HV","source":"https://navbharatlive.com/religion/diwali-kab-hai-2026-date-bhai-dooj-rrs05","estimate":false},{"id":"P40","cat":"Climate","name":"Heatwave","value":"Apr–Jun; daytime footfall down 20–40% on 45°C days (Est.)","role":"RE","source":"Est.: IMD heatwave seasons; demand effect from report seasonal matrix","estimate":true},{"id":"P41","cat":"Climate","name":"Monsoon flooding / waterlogging","value":"Jun–Sep; 1–5 lost trading days per event in flood-prone cities (Est.)","role":"RE","source":"Est.: report seasonal matrix","estimate":true},{"id":"P42","cat":"Regulation","name":"Single-use plastic ban","value":"Nationwide ban on listed SUP items since 1 Jul 2022; fines by local bodies","role":"RE","source":"Est.: Plastic Waste Management Amendment Rules 2021 (MoEFCC); enforcement drives are periodic","estimate":true}]}