Detailed Project Report
Cleaning, Grading and Sorting Plant for Grains and Pulses
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹161.51 L
- Term loan from bank
- ₹145.36 L
- Promoter’s contribution
- ₹16.15 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-35.59 L
- Average DSCR
- -0.24
- 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
Buy wheat, rice, pulses and legumes in bulk, clean, de-stone, grade and colour-sort them by machine, and sell ready-to-use grain.
| Main product or service | Cleaning, Grading and Sorting Plant for Grains and Pulses |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Flour mills, dal mills and food processors
- Packers and retail chains
- Grain exporters
- Bulk sale in bags through brokers and wholesalers
- Direct supply contracts with processors
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Cleaner classifier (× 3) | 1 | 0 | 0 |
| Aspirator and aspiration box (× 2 + 2) | 1 | 0 | 0 |
| Dry de-stoner | 1 | 0 | 0 |
| Gravity separator (× 2) | 1 | 0 | 0 |
| Sortex colour sorting machine with cabin and bin | 1 | 0 | 0 |
| Elevators (× 4) | 1 | 0 | 0 |
| Air compressor and fans (× 1 + 4) | 1 | 0 | 0 |
| All plant and machinery together | 1 | 1,53,82,000 | 1,53,82,000 |
| Total | 1,53,82,000 |
Pre-filled from: SIDBI Stand-Up Mitra project profile — Cleaning, Grading & Sorting of Agro Commodities. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Wheat — 7,800 tonnes a year
- Rice — 7,800 tonnes a year
- Pulses (chana dal) — 7,800 tonnes a year
- Legumes (tuver) — 7,800 tonnes a year
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 153.82 |
| Contingency | 7.69 |
| Total fixed capital | 161.51 |
| Working capital margin | 0.00 |
| Total project cost | 161.51 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 16.15 | 10.0 |
| Term loan from bank | 145.36 | 90.0 |
| Total | 161.51 | 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 | 3.23 | 3.23 | 3.23 | 3.23 | 3.23 | 3.23 | 3.23 |
| Insurance | 0.81 | 0.81 | 0.81 | 0.81 | 0.81 | 0.81 | 0.81 |
| Total cost of operations | 6.92 | 6.92 | 6.92 | 6.92 | 6.92 | 6.92 | 6.92 |
| Operating profit (EBITDA) | -6.92 | -6.92 | -6.92 | -6.92 | -6.92 | -6.92 | -6.92 |
| Depreciation | 24.23 | 20.59 | 17.50 | 14.88 | 12.65 | 10.75 | 9.14 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 15.73 | 13.63 | 11.17 | 8.71 | 6.25 | 3.79 | 1.33 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -46.88 | -41.14 | -35.59 | -30.51 | -25.82 | -21.46 | -17.39 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -46.88 | -41.14 | -35.59 | -30.51 | -25.82 | -21.46 | -17.39 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -46.88 | -41.14 | -35.59 | -30.51 | -25.82 | -21.46 | -17.39 |
| Depreciation | 24.23 | 20.59 | 17.50 | 14.88 | 12.65 | 10.75 | 9.14 |
| Cash accruals (PAT + depreciation) | -22.65 | -20.55 | -18.09 | -15.63 | -13.17 | -10.71 | -8.25 |
| Term loan repaid | 11.18 | 22.36 | 22.36 | 22.36 | 22.36 | 22.36 | 22.36 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -33.83 | -42.91 | -40.45 | -37.99 | -35.53 | -33.07 | -30.61 |
| Cash and bank | -33.83 | -76.75 | -117.20 | -155.19 | -190.72 | -223.80 | -254.41 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 16.15 | 16.15 | 16.15 | 16.15 | 16.15 | 16.15 | 16.15 |
| Reserves and surplus | -46.88 | -88.02 | -123.61 | -154.12 | -179.94 | -201.40 | -218.79 |
| Term loan outstanding | 134.18 | 111.82 | 89.45 | 67.09 | 44.73 | 22.36 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 103.45 | 39.95 | -18.01 | -70.88 | -119.06 | -162.88 | -202.63 |
| Net fixed assets | 137.28 | 116.69 | 99.19 | 84.31 | 71.66 | 60.91 | 51.78 |
| 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 | -33.83 | -76.75 | -117.20 | -155.19 | -190.72 | -223.80 | -254.41 |
| Total assets | 103.45 | 39.95 | -18.01 | -70.88 | -119.06 | -162.88 | -202.63 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -0.26 | -0.19 | -0.21 | -0.22 | -0.24 | -0.26 | -0.29 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -0.24 |
|---|---|
| Lowest DSCR | -0.29 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 24.23 | 20.59 | 17.50 | 14.88 | 12.65 | 10.75 | 9.14 |
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 | 145.36 | 15.73 | 11.18 | 134.18 |
| 2 | 134.18 | 13.63 | 22.36 | 111.82 |
| 3 | 111.82 | 11.17 | 22.36 | 89.45 |
| 4 | 89.45 | 8.71 | 22.36 | 67.09 |
| 5 | 67.09 | 6.25 | 22.36 | 44.73 |
| 6 | 44.73 | 3.79 | 22.36 | 22.36 |
| 7 | 22.36 | 1.33 | 22.36 | 0.00 |
17 Licences and registrations
- Udyam registration
- GST registration
- FSSAI licence
- Mandi (APMC) trader licence where the state requires it
- Factory licence and fire safety clearance
- IEC from DGFT for export
18 Government schemes that may apply
- Agriculture Infrastructure Fund (AIF)
- Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)
19 Sources
- SIDBI Stand-Up Mitra project profile — Cleaning, Grading & Sorting of Agro Commodities — https://www.standupmitra.in/Default/ViewFile/?id=1516103495321_Cleaning%20Agro%20Commodities.docx&path=ProjectProfile
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.