Detailed Project Report
Casein from Skimmed Milk
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹109.18 L
- Term loan from bank
- ₹98.26 L
- Promoter’s contribution
- ₹10.92 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-24.99 L
- Average DSCR
- -0.29
- 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
Turn skimmed milk into dried casein powder for food, paint, paper-coating and adhesive makers — 1 tonne a day.
| Main product or service | Casein from Skimmed Milk |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Food industries (rennet casein)
- Paint, paper-coating, adhesive and paper-cone makers
- Rubber-chemical, leather, textile-auxiliary and pharmaceutical makers
- Direct supply contracts with industries
- Chemical and food-ingredient traders
- Export
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Skimmed-milk storage tanks (× 2) | 1 | 0 | 0 |
| Skimmed-milk pasteuriser | 1 | 0 | 0 |
| Casein-making vats (× 2) | 1 | 0 | 0 |
| pH control | 1 | 0 | 0 |
| Washing tanks (× 2) | 1 | 0 | 0 |
| Decanters (× 2) | 1 | 0 | 0 |
| Casein collection tank | 1 | 0 | 0 |
| Tray dryers (× 4) | 1 | 0 | 0 |
| Pulveriser | 1 | 0 | 0 |
| Vibro sifter | 1 | 0 | 0 |
| Steam boiler, effluent treatment plant, DG set and transformer, RO plant, laboratory and handling equipment (× 1 lot each) | 1 | 0 | 0 |
| All plant and machinery together (× —) | 1 | 1,03,98,000 | 1,03,98,000 |
| Total | 1,03,98,000 |
Pre-filled from: SIDBI Stand-Up Mitra project profile — Casein from Milk; World Customs Organization – HS Nomenclature 2022, Chapter 35. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Skimmed milk — 8,400 tonnes a year; costed at ₹1 a litre in the profile's profit table
- Rennet — 3 tonnes a year
- Lactic acid and sulphuric acid — 1.8 and 0.9 tonnes a year
- Other additives — 1.3 tonnes a year
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 103.98 |
| Contingency | 5.20 |
| Total fixed capital | 109.18 |
| Working capital margin | 0.00 |
| Total project cost | 109.18 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 10.92 | 10.0 |
| Term loan from bank | 98.26 | 90.0 |
| Total | 109.18 | 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 | 2.18 | 2.18 | 2.18 | 2.18 | 2.18 | 2.18 | 2.18 |
| Insurance | 0.55 | 0.55 | 0.55 | 0.55 | 0.55 | 0.55 | 0.55 |
| Total cost of operations | 5.61 | 5.61 | 5.61 | 5.61 | 5.61 | 5.61 | 5.61 |
| Operating profit (EBITDA) | -5.61 | -5.61 | -5.61 | -5.61 | -5.61 | -5.61 | -5.61 |
| Depreciation | 16.38 | 13.92 | 11.83 | 10.06 | 8.55 | 7.27 | 6.18 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 10.64 | 9.22 | 7.55 | 5.89 | 4.23 | 2.56 | 0.90 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -32.62 | -28.74 | -24.99 | -21.56 | -18.38 | -15.44 | -12.69 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -32.62 | -28.74 | -24.99 | -21.56 | -18.38 | -15.44 | -12.69 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -32.62 | -28.74 | -24.99 | -21.56 | -18.38 | -15.44 | -12.69 |
| Depreciation | 16.38 | 13.92 | 11.83 | 10.06 | 8.55 | 7.27 | 6.18 |
| Cash accruals (PAT + depreciation) | -16.24 | -14.82 | -13.16 | -11.50 | -9.84 | -8.17 | -6.51 |
| Term loan repaid | 7.56 | 15.12 | 15.12 | 15.12 | 15.12 | 15.12 | 15.12 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -23.80 | -29.94 | -28.28 | -26.62 | -24.95 | -23.29 | -21.63 |
| Cash and bank | -23.80 | -53.75 | -82.02 | -108.64 | -133.59 | -156.88 | -178.51 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 10.92 | 10.92 | 10.92 | 10.92 | 10.92 | 10.92 | 10.92 |
| Reserves and surplus | -32.62 | -61.37 | -86.36 | -107.92 | -126.30 | -141.74 | -154.43 |
| Term loan outstanding | 90.70 | 75.59 | 60.47 | 45.35 | 30.23 | 15.12 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 69.00 | 25.14 | -14.97 | -51.65 | -85.15 | -115.71 | -143.51 |
| Net fixed assets | 92.80 | 78.88 | 67.05 | 56.99 | 48.44 | 41.18 | 35.00 |
| 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 | -23.80 | -53.75 | -82.02 | -108.64 | -133.59 | -156.88 | -178.51 |
| Total assets | 69.00 | 25.14 | -14.97 | -51.65 | -85.15 | -115.71 | -143.51 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -0.31 | -0.23 | -0.25 | -0.27 | -0.29 | -0.32 | -0.35 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -0.29 |
|---|---|
| Lowest DSCR | -0.35 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 16.38 | 13.92 | 11.83 | 10.06 | 8.55 | 7.27 | 6.18 |
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 | 98.26 | 10.64 | 7.56 | 90.70 |
| 2 | 90.70 | 9.22 | 15.12 | 75.59 |
| 3 | 75.59 | 7.55 | 15.12 | 60.47 |
| 4 | 60.47 | 5.89 | 15.12 | 45.35 |
| 5 | 45.35 | 4.23 | 15.12 | 30.23 |
| 6 | 30.23 | 2.56 | 15.12 | 15.12 |
| 7 | 15.12 | 0.90 | 15.12 | 0.00 |
17 Licences and registrations
- FSSAI licence
- Udyam registration
- GST registration
- State Pollution Control Board consent to establish and operate, with an effluent treatment plant
- Factory licence
- IEC for export
18 Government schemes that may apply
- Stand-Up India
- Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)
19 Sources
- SIDBI Stand-Up Mitra project profile — Casein from Milk — https://www.standupmitra.in/Default/ViewFile/?id=1516103397109_Casein%20from%20Milk.docx&path=ProjectProfile
- World Customs Organization – HS Nomenclature 2022, Chapter 35 — https://www.wcoomd.org/-/media/wco/public/global/pdf/topics/nomenclature/instruments-and-tools/hs-nomenclature-2022/2022/0635_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.