Detailed Project Report
Aam Papad (Mango Jelly)
—
Prepared on: 27 October 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹2.10 L
- Term loan from bank
- ₹1.37 L
- Promoter’s contribution
- ₹0.21 L
- Subsidy
- ₹0.53 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-3.27 L
- Average DSCR
- -10.81
- Break-even (% of capacity used)
- —
02 Promoter and unit
| Promoter name | — |
|---|---|
| Business / firm name | — |
| Legal form | Proprietorship |
| Address of the unit | — |
| Applicant category | General · Rural |
03 The project
Cook mango pulp with sugar or jaggery, spread it in layers and dry it into aam papad.
| Main product or service | Aam Papad (Mango Jelly) |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Sweet and grocery shops
- Railway, bus-stand and highway vendors
- Tourist-spot shops
- Online shoppers
- Wholesalers and distributors
- Direct supply to retailers and vendors
- Online marketplaces
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| SS/aluminium-top work tables (3' × 2½' × 6') (× 2) | 1 | 0 | 0 |
| Pulper and homogeniser (× 1 each) | 1 | 0 | 0 |
| Steam-jacketed kettle and boiler with accessories (× 1 each) | 1 | 0 | 0 |
| Electric drier | 1 | 0 | 0 |
| Laboratory items, platform and table weighing balances, exhaust fans (2) (× 1 set) | 1 | 0 | 0 |
| Total equipment (all items above) (× 1 lot) | 1 | 2,00,000 | 2,00,000 |
| Total | 2,00,000 |
Pre-filled from: KVIC Project Profile — Mango Jelly/Aam Papad (PMEGP); DGFT – ITC(HS) Classification of Export and Import Items. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Ripe mangoes — main input; raw material ₹29.00 lakh a year in the profile
- Sugar or jaggery, flavour, preservatives — named in the process
- Packing material and labels — ₹1.00 lakh a year in the profile
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 2.00 |
| Contingency | 0.10 |
| Total fixed capital | 2.10 |
| Working capital margin | 0.00 |
| Total project cost | 2.10 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 0.21 | 10.0 |
| Subsidy | 0.53 | 25.0 |
| Term loan from bank | 1.37 | 65.0 |
| Total | 2.10 | 100.0 |
| Working capital loan (outside project cost) | 0.00 |
09 Key assumptions
| Selling price | ₹0 per units |
|---|---|
| Raw material & packing cost | ₹0 per units |
| Capacity used each year | 60% · 70% · 80% · 80% · 80% · 80% · 80% |
| Term loan interest rate (% a year) | 11% · 84 months (Moratorium 6) |
| Working capital method | Turnover method (RBI) · Working capital interest (% a year) 11% |
| Income tax rate | 25% |
| Yearly price and cost rise | 0% |
10 Production and sales
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capacity used | 60% | 70% | 80% | 80% | 80% | 80% | 80% |
| Production (units) | 6,000 | 7,000 | 8,000 | 8,000 | 8,000 | 8,000 | 8,000 |
| Sales | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
11 Projected profitability
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Sales | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Raw material and packing | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Power and fuel | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Salaries and wages | 2.88 | 2.88 | 2.88 | 2.88 | 2.88 | 2.88 | 2.88 |
| Rent | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Administration | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Selling and distribution | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Repairs and maintenance | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Insurance | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Total cost of operations | 2.93 | 2.93 | 2.93 | 2.93 | 2.93 | 2.93 | 2.93 |
| Operating profit (EBITDA) | -2.93 | -2.93 | -2.93 | -2.93 | -2.93 | -2.93 | -2.93 |
| Depreciation | 0.32 | 0.27 | 0.23 | 0.19 | 0.16 | 0.14 | 0.12 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 0.15 | 0.13 | 0.10 | 0.08 | 0.06 | 0.04 | 0.01 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -3.40 | -3.33 | -3.27 | -3.21 | -3.16 | -3.11 | -3.06 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -3.40 | -3.33 | -3.27 | -3.21 | -3.16 | -3.11 | -3.06 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -3.40 | -3.33 | -3.27 | -3.21 | -3.16 | -3.11 | -3.06 |
| Depreciation | 0.32 | 0.27 | 0.23 | 0.19 | 0.16 | 0.14 | 0.12 |
| Cash accruals (PAT + depreciation) | -3.08 | -3.06 | -3.04 | -3.01 | -2.99 | -2.97 | -2.95 |
| Term loan repaid | 0.11 | 0.21 | 0.21 | 0.21 | 0.21 | 0.21 | 0.21 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -3.19 | -3.27 | -3.25 | -3.22 | -3.20 | -3.18 | -3.16 |
| Cash and bank | -3.19 | -6.46 | -9.70 | -12.93 | -16.13 | -19.31 | -22.46 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 0.74 | 0.74 | 0.74 | 0.74 | 0.74 | 0.74 | 0.74 |
| Reserves and surplus | -3.40 | -6.72 | -9.99 | -13.20 | -16.35 | -19.46 | -22.52 |
| Term loan outstanding | 1.26 | 1.05 | 0.84 | 0.63 | 0.42 | 0.21 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | -1.40 | -4.94 | -8.41 | -11.83 | -15.20 | -18.51 | -21.79 |
| Net fixed assets | 1.79 | 1.52 | 1.29 | 1.10 | 0.93 | 0.79 | 0.67 |
| Preliminary expenses not written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Current assets (stock and debtors) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash and bank | -3.19 | -6.46 | -9.70 | -12.93 | -16.13 | -19.31 | -22.46 |
| Total assets | -1.40 | -4.94 | -8.41 | -11.83 | -15.20 | -18.51 | -21.79 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -11.60 | -8.68 | -9.31 | -10.05 | -10.91 | -11.94 | -13.18 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -10.81 |
|---|---|
| Lowest DSCR | -13.18 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 0.32 | 0.27 | 0.23 | 0.19 | 0.16 | 0.14 | 0.12 |
Written-down value method at Income-tax Rules block rates (building 10%, plant & machinery 15%, furniture 10%, computers 40%). Change them if your CA uses other rates.
16 Term loan repayment
| Year | Opening | Interest | Term loan repaid | Closing |
|---|---|---|---|---|
| 1 | 1.37 | 0.15 | 0.11 | 1.26 |
| 2 | 1.26 | 0.13 | 0.21 | 1.05 |
| 3 | 1.05 | 0.10 | 0.21 | 0.84 |
| 4 | 0.84 | 0.08 | 0.21 | 0.63 |
| 5 | 0.63 | 0.06 | 0.21 | 0.42 |
| 6 | 0.42 | 0.04 | 0.21 | 0.21 |
| 7 | 0.21 | 0.01 | 0.21 | 0.00 |
17 Licences and registrations
- FSSAI licence or registration (by turnover)
- Udyam registration
- GST
- Boiler registration if the boiler falls under the Boilers Act
18 Government schemes that may apply
- Prime Minister's Employment Generation Programme (PMEGP)
- PM Formalisation of Micro Food Processing Enterprises (PM FME)
- Pradhan Mantri MUDRA Yojana (PMMY) – Shishu, Kishor, Tarun, Tarun Plus
- Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)
- Stand-Up India
19 Sources
- KVIC Project Profile — Mango Jelly/Aam Papad (PMEGP) — https://pmegp.msme.gov.in/Home/DownloadDocument?fileName=Documents/ProjectSampleReport/MANGO_JELLY-AAM_PAPAD_%28_AGRO_BASED_FOOD_PROCESSING_INDUSTRY_%29.pdf
- DGFT – ITC(HS) Classification of Export and Import Items — https://www.dgft.gov.in/CP/?opt=itchs-import-export
This report is a projection from the figures entered by the promoter. It is not a bank appraisal or a guarantee of a loan or subsidy. Check every figure with current quotations and your chartered accountant before submitting it.