Detailed Project Report
Canned Ready-to-Serve Curries (Chhole, Rajma, Palak Paneer)
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹13.48 L
- Term loan from bank
- ₹12.13 L
- Promoter’s contribution
- ₹1.35 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-5.61 L
- Average DSCR
- -1.33
- 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 Indian curries like chhole, rajma and palak paneer and can them as heat-and-eat meals, mainly for export.
| Main product or service | Canned Ready-to-Serve Curries (Chhole, Rajma, Palak Paneer) |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Indian grocery importers in the UK, USA and Middle East
- Hotels, restaurants and supermarkets in India
- Export through importers and distributors
- Domestic food distributors
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Preparation and filling tables with aluminium top (× 12) | 1 | 1,32,000 | 1,32,000 |
| Flattened can reforming unit (reformer and hand flanger) | 1 | 41,000 | 41,000 |
| Automatic table-model can sealer for A-2½ (× 2) | 1 | 88,000 | 88,000 |
| Canning retorts 810 × 915 mm (× 3) | 1 | 1,50,000 | 1,50,000 |
| Crates for retorts (× 8) | 1 | 56,000 | 56,000 |
| Blancher | 1 | 60,000 | 60,000 |
| Exhaust box with tunnel, 2 HP (× 2) | 1 | 1,50,000 | 1,50,000 |
| Stainless-steel steam-jacketed kettles, 50 gallons (× 4) | 1 | 1,28,000 | 1,28,000 |
| Semi-automatic can seamer | 1 | 80,000 | 80,000 |
| Steam generator with feed pump | 1 | 1,50,000 | 1,50,000 |
| Rotary rod washer | 1 | 60,000 | 60,000 |
| Pulper, 1.5–2 tonnes an hour | 1 | 44,000 | 44,000 |
| Potato peeler | 1 | 30,000 | 30,000 |
| Mini pulveriser, 5 HP | 1 | 35,000 | 35,000 |
| Stainless-steel storage tanks (× 4) | 1 | 80,000 | 80,000 |
| Total | 12,84,000 |
Pre-filled from: DC-MSME project profile — Ready to Serve Curried Vegetables; World Customs Organization – HS Nomenclature 2022, Chapter 20. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Vegetables and pulses (beans, peas, potato, cauliflower, spinach, rajma, white chhole) with paneer, butter, cream, yogurt, spices and oil — ₹5,50,000 a month (lump sum) in the report
- A-2½ cans — 59,000 a month at ₹14 each
- Labels and packing cases — 4,900 cases at ₹20 each
- Coal for steam — 50 tonnes a month
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 12.84 |
| Contingency | 0.64 |
| Total fixed capital | 13.48 |
| Working capital margin | 0.00 |
| Total project cost | 13.48 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 1.35 | 10.0 |
| Term loan from bank | 12.13 | 90.0 |
| Total | 13.48 | 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 | 0.27 | 0.27 | 0.27 | 0.27 | 0.27 | 0.27 | 0.27 |
| Insurance | 0.07 | 0.07 | 0.07 | 0.07 | 0.07 | 0.07 | 0.07 |
| Total cost of operations | 3.22 | 3.22 | 3.22 | 3.22 | 3.22 | 3.22 | 3.22 |
| Operating profit (EBITDA) | -3.22 | -3.22 | -3.22 | -3.22 | -3.22 | -3.22 | -3.22 |
| Depreciation | 2.02 | 1.72 | 1.46 | 1.24 | 1.06 | 0.90 | 0.76 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 1.31 | 1.14 | 0.93 | 0.73 | 0.52 | 0.32 | 0.11 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -6.55 | -6.07 | -5.61 | -5.19 | -4.79 | -4.43 | -4.09 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -6.55 | -6.07 | -5.61 | -5.19 | -4.79 | -4.43 | -4.09 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -6.55 | -6.07 | -5.61 | -5.19 | -4.79 | -4.43 | -4.09 |
| Depreciation | 2.02 | 1.72 | 1.46 | 1.24 | 1.06 | 0.90 | 0.76 |
| Cash accruals (PAT + depreciation) | -4.53 | -4.35 | -4.15 | -3.94 | -3.74 | -3.53 | -3.33 |
| Term loan repaid | 0.93 | 1.87 | 1.87 | 1.87 | 1.87 | 1.87 | 1.87 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -5.46 | -6.22 | -6.02 | -5.81 | -5.61 | -5.40 | -5.20 |
| Cash and bank | -5.46 | -11.69 | -17.70 | -23.51 | -29.12 | -34.52 | -39.71 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 1.35 | 1.35 | 1.35 | 1.35 | 1.35 | 1.35 | 1.35 |
| Reserves and surplus | -6.55 | -12.63 | -18.24 | -23.42 | -28.22 | -32.65 | -36.74 |
| Term loan outstanding | 11.20 | 9.33 | 7.47 | 5.60 | 3.73 | 1.87 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 6.00 | -1.94 | -9.42 | -16.48 | -23.14 | -29.43 | -35.39 |
| Net fixed assets | 11.46 | 9.74 | 8.28 | 7.04 | 5.98 | 5.08 | 4.32 |
| 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 | -5.46 | -11.69 | -17.70 | -23.51 | -29.12 | -34.52 | -39.71 |
| Total assets | 6.00 | -1.94 | -9.42 | -16.48 | -23.14 | -29.43 | -35.39 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -1.43 | -1.07 | -1.15 | -1.24 | -1.35 | -1.47 | -1.63 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -1.33 |
|---|---|
| Lowest DSCR | -1.63 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 2.02 | 1.72 | 1.46 | 1.24 | 1.06 | 0.90 | 0.76 |
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 | 12.13 | 1.31 | 0.93 | 11.20 |
| 2 | 11.20 | 1.14 | 1.87 | 9.33 |
| 3 | 9.33 | 0.93 | 1.87 | 7.47 |
| 4 | 7.47 | 0.73 | 1.87 | 5.60 |
| 5 | 5.60 | 0.52 | 1.87 | 3.73 |
| 6 | 3.73 | 0.32 | 1.87 | 1.87 |
| 7 | 1.87 | 0.11 | 1.87 | 0.00 |
17 Licences and registrations
- Udyam registration
- GST registration
- FSSAI licence (state or central, by turnover)
- State Pollution Control Board no-objection certificate, as the report advises
- Legal Metrology registration for packaged goods
- Boiler registration under the Boilers Act
- APEDA registration (RCMC) for export
18 Government schemes that may apply
- PM Formalisation of Micro Food Processing Enterprises (PM FME)
- Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)
- Stand-Up India
19 Sources
- DC-MSME project profile — Ready to Serve Curried Vegetables — https://www.dcmsme.gov.in/publications/pmryprof/food/ch8.pdf
- World Customs Organization – HS Nomenclature 2022, Chapter 20 — https://www.wcoomd.org/-/media/wco/public/global/pdf/topics/nomenclature/instruments-and-tools/hs-nomenclature-2022/2022/0420_2022e.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.