Detailed Project Report
Banana Ripening Chamber
—
Prepared on: 27 October 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹33.36 L
- Term loan from bank
- ₹21.68 L
- Promoter’s contribution
- ₹3.34 L
- Subsidy
- ₹8.34 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-9.00 L
- Average DSCR
- -0.86
- 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
Ripen green bananas safely with ethylene in cold chambers, instead of banned carbide.
| Main product or service | Banana Ripening Chamber |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Fruit wholesalers
- Retail fruit sellers
- Supermarkets
- Mandi wholesale
- Direct supply in crates to retailers
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Ripening chambers with refrigeration and ethylene system (plant & equipment) (× 2 chambers) | 1 | 27,39,000 | 27,39,000 |
| Plastic crates (× —) | 1 | 4,38,000 | 4,38,000 |
| Total | 31,77,000 |
Pre-filled from: PMEGP sample project report — Banana Ripening (prepared by Udyami/Samadhan). Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Green bananas (colour stage 1) — ₹15,000 per MT in year 1 as per the report
- Ethylene — from an ethylene generator or 5% ethylene-nitrogen cylinders
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 31.77 |
| Contingency | 1.59 |
| Total fixed capital | 33.36 |
| Working capital margin | 0.00 |
| Total project cost | 33.36 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 3.34 | 10.0 |
| Subsidy | 8.34 | 25.0 |
| Term loan from bank | 21.68 | 65.0 |
| Total | 33.36 | 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 | 0.67 | 0.67 | 0.67 | 0.67 | 0.67 | 0.67 | 0.67 |
| Insurance | 0.17 | 0.17 | 0.17 | 0.17 | 0.17 | 0.17 | 0.17 |
| Total cost of operations | 3.71 | 3.71 | 3.71 | 3.71 | 3.71 | 3.71 | 3.71 |
| Operating profit (EBITDA) | -3.71 | -3.71 | -3.71 | -3.71 | -3.71 | -3.71 | -3.71 |
| Depreciation | 5.00 | 4.25 | 3.62 | 3.07 | 2.61 | 2.22 | 1.89 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 2.35 | 2.03 | 1.67 | 1.30 | 0.93 | 0.57 | 0.20 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -11.06 | -10.00 | -9.00 | -8.09 | -7.26 | -6.50 | -5.80 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -11.06 | -10.00 | -9.00 | -8.09 | -7.26 | -6.50 | -5.80 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -11.06 | -10.00 | -9.00 | -8.09 | -7.26 | -6.50 | -5.80 |
| Depreciation | 5.00 | 4.25 | 3.62 | 3.07 | 2.61 | 2.22 | 1.89 |
| Cash accruals (PAT + depreciation) | -6.06 | -5.75 | -5.38 | -5.01 | -4.65 | -4.28 | -3.91 |
| Term loan repaid | 1.67 | 3.34 | 3.34 | 3.34 | 3.34 | 3.34 | 3.34 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -7.73 | -9.08 | -8.72 | -8.35 | -7.98 | -7.62 | -7.25 |
| Cash and bank | -7.73 | -16.81 | -25.53 | -33.88 | -41.86 | -49.48 | -56.72 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 11.68 | 11.68 | 11.68 | 11.68 | 11.68 | 11.68 | 11.68 |
| Reserves and surplus | -11.06 | -21.07 | -30.06 | -38.15 | -45.41 | -51.91 | -57.71 |
| Term loan outstanding | 20.02 | 16.68 | 13.34 | 10.01 | 6.67 | 3.34 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 20.63 | 7.29 | -5.04 | -16.46 | -27.06 | -36.89 | -46.03 |
| Net fixed assets | 28.35 | 24.10 | 20.49 | 17.41 | 14.80 | 12.58 | 10.69 |
| 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 | -7.73 | -16.81 | -25.53 | -33.88 | -41.86 | -49.48 | -56.72 |
| Total assets | 20.63 | 7.29 | -5.04 | -16.46 | -27.06 | -36.89 | -46.03 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -0.93 | -0.69 | -0.74 | -0.80 | -0.87 | -0.95 | -1.05 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -0.86 |
|---|---|
| Lowest DSCR | -1.05 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 5.00 | 4.25 | 3.62 | 3.07 | 2.61 | 2.22 | 1.89 |
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 | 21.68 | 2.35 | 1.67 | 20.02 |
| 2 | 20.02 | 2.03 | 3.34 | 16.68 |
| 3 | 16.68 | 1.67 | 3.34 | 13.34 |
| 4 | 13.34 | 1.30 | 3.34 | 10.01 |
| 5 | 10.01 | 0.93 | 3.34 | 6.67 |
| 6 | 6.67 | 0.57 | 3.34 | 3.34 |
| 7 | 3.34 | 0.20 | 3.34 | 0.00 |
17 Licences and registrations
- FSSAI registration/licence
- Udyam
- GST
- Mandi/trade licence
- Fire NOC for the refrigeration plant (state rules)
18 Government schemes that may apply
- NHB Capital Investment Subsidy – Commercial Horticulture & Cold Storage (Scheme 1 and Cold Storage Scheme)
- 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 — Banana Ripening (prepared by Udyami/Samadhan) — https://pmegp.msme.gov.in/Home/DownloadDocument?fileName=Documents/ProjectSampleReport/Banana_Ripening_%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.