Detailed Project Report
Bajra (Pearl Millet) Cleaning and Grading
—
Prepared on: 27 October 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹17.45 L
- Term loan from bank
- ₹11.34 L
- Promoter’s contribution
- ₹1.74 L
- Subsidy
- ₹4.36 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-6.08 L
- Average DSCR
- -1.47
- 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
Clean, de-stone and colour-sort harvested bajra so it can be sold as clean grain to flour mills and packers.
| Main product or service | Bajra (Pearl Millet) Cleaning and Grading |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Flour mills
- Millet food and snack makers
- Grain traders and wholesalers
- Packers of branded grain
- Direct sale to mills and processors
- Wholesale grain markets
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Gravity separator, 5 fan (without motor) | 1 | 2,60,000 | 2,60,000 |
| Vibro sieve with two screens, 2 vibro motors and stand | 1 | 1,85,000 | 1,85,000 |
| Vibro sieve with three screens, 2 vibro motors and stand | 1 | 2,10,000 | 2,10,000 |
| Aspiration system | 1 | 45,000 | 45,000 |
| Cyclone 900 (Kice type) | 1 | 32,000 | 32,000 |
| High-pressure blower 5 HP with motor | 1 | 45,000 | 45,000 |
| Rotary air lock with gear motor | 1 | 30,000 | 30,000 |
| Vibro de-stoner with 5 HP blower, cyclone and 2 vibro motors (0.5 HP) | 1 | 3,10,000 | 3,10,000 |
| Bucket elevator 20 ft, 5" bucket, with gear and motor | 1 | 1,40,000 | 1,40,000 |
| Bucket elevator 14 ft | 1 | 68,000 | 68,000 |
| Bucket elevator 12 ft | 1 | 58,000 | 58,000 |
| Damper with slider gate | 1 | 25,000 | 25,000 |
| GST at 18% on machinery (× —) | 1 | 2,53,440 | 2,53,440 |
| Total | 16,61,440 |
Pre-filled from: PMEGP sample project report — Bajra Cleaning Unit (prepared by Udyami/Samadhan). Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Harvested and threshed bajra (pearl millet) — ₹108.00 lakh of grain in year 1 at 45% capacity
- Woven sacks — packing material
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 16.61 |
| Contingency | 0.83 |
| Total fixed capital | 17.45 |
| Working capital margin | 0.00 |
| Total project cost | 17.45 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 1.74 | 10.0 |
| Subsidy | 4.36 | 25.0 |
| Term loan from bank | 11.34 | 65.0 |
| Total | 17.45 | 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 | 0.35 | 0.35 | 0.35 | 0.35 | 0.35 | 0.35 | 0.35 |
| Insurance | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 |
| Total cost of operations | 3.32 | 3.32 | 3.32 | 3.32 | 3.32 | 3.32 | 3.32 |
| Operating profit (EBITDA) | -3.32 | -3.32 | -3.32 | -3.32 | -3.32 | -3.32 | -3.32 |
| Depreciation | 2.62 | 2.22 | 1.89 | 1.61 | 1.37 | 1.16 | 0.99 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 1.23 | 1.06 | 0.87 | 0.68 | 0.49 | 0.30 | 0.10 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -7.16 | -6.60 | -6.08 | -5.60 | -5.17 | -4.77 | -4.41 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -7.16 | -6.60 | -6.08 | -5.60 | -5.17 | -4.77 | -4.41 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -7.16 | -6.60 | -6.08 | -5.60 | -5.17 | -4.77 | -4.41 |
| Depreciation | 2.62 | 2.22 | 1.89 | 1.61 | 1.37 | 1.16 | 0.99 |
| Cash accruals (PAT + depreciation) | -4.54 | -4.38 | -4.19 | -4.00 | -3.80 | -3.61 | -3.42 |
| Term loan repaid | 0.87 | 1.74 | 1.74 | 1.74 | 1.74 | 1.74 | 1.74 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -5.42 | -6.12 | -5.93 | -5.74 | -5.55 | -5.36 | -5.16 |
| Cash and bank | -5.42 | -11.54 | -17.47 | -23.21 | -28.76 | -34.12 | -39.28 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 6.11 | 6.11 | 6.11 | 6.11 | 6.11 | 6.11 | 6.11 |
| Reserves and surplus | -7.16 | -13.76 | -19.84 | -25.45 | -30.61 | -35.39 | -39.79 |
| Term loan outstanding | 10.47 | 8.72 | 6.98 | 5.23 | 3.49 | 1.74 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 9.41 | 1.06 | -6.76 | -14.11 | -21.02 | -27.54 | -33.69 |
| Net fixed assets | 14.83 | 12.60 | 10.71 | 9.11 | 7.74 | 6.58 | 5.59 |
| 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 | -5.42 | -11.54 | -17.47 | -23.21 | -28.76 | -34.12 | -39.28 |
| Total assets | 9.41 | 1.06 | -6.76 | -14.11 | -21.02 | -27.54 | -33.69 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -1.58 | -1.18 | -1.27 | -1.37 | -1.49 | -1.63 | -1.79 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -1.47 |
|---|---|
| Lowest DSCR | -1.79 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 2.62 | 2.22 | 1.89 | 1.61 | 1.37 | 1.16 | 0.99 |
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 | 11.34 | 1.23 | 0.87 | 10.47 |
| 2 | 10.47 | 1.06 | 1.74 | 8.72 |
| 3 | 8.72 | 0.87 | 1.74 | 6.98 |
| 4 | 6.98 | 0.68 | 1.74 | 5.23 |
| 5 | 5.23 | 0.49 | 1.74 | 3.49 |
| 6 | 3.49 | 0.30 | 1.74 | 1.74 |
| 7 | 1.74 | 0.10 | 1.74 | 0.00 |
17 Licences and registrations
- Udyam registration
- GST registration
- FSSAI registration or licence (food grain handling)
- Mandi licence for buying in regulated markets
- State pollution board consent (dust)
18 Government schemes that may apply
- Agriculture Infrastructure Fund (AIF)
- Prime Minister's Employment Generation Programme (PMEGP)
- Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)
- Pradhan Mantri MUDRA Yojana (PMMY) – Shishu, Kishor, Tarun, Tarun Plus
19 Sources
- PMEGP sample project report — Bajra Cleaning Unit (prepared by Udyami/Samadhan) — https://pmegp.msme.gov.in/Home/DownloadDocument?fileName=Documents/ProjectSampleReport/Bajra_Cleaning_unit_Final_%28_Samadhan_Projects_%29.pdf
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.