Detailed Project Report
Coir Fibre Extraction
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹16.76 L
- Term loan from bank
- ₹10.89 L
- Promoter’s contribution
- ₹1.68 L
- Subsidy
- ₹4.19 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-5.95 L
- Average DSCR
- -1.52
- 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
Extract coir fibre from coconut husks with a disintegrator and decorticator and sell it to coir makers.
| Main product or service | Coir Fibre Extraction |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Coir yarn spinners
- Curled coir and rubberised coir makers
- Mat, rope and brush makers
- Direct sale in bales to coir units
- Fibre traders and cooperatives
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Disintegrator, 10 HP | 1 | 2,30,000 | 2,30,000 |
| Decorticator, 30 HP each (× 2) | 1 | 6,82,000 | 6,82,000 |
| Screener, 2 HP | 1 | 70,000 | 70,000 |
| Baling press, 5 HP | 1 | 1,60,000 | 1,60,000 |
| Conveyors, 4 HP (as required) | 1 | 3,64,000 | 3,64,000 |
| Well and pump set, 2 HP | 1 | 90,000 | 90,000 |
| Total | 15,96,000 |
Pre-filled from: PMEGP project profile — Coir Fibre Extraction Unit (prepared by Coir Board, Ministry of MSME); DGFT — ITC (HS) classification of export and import items. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Coconut husk (green or dry) — ₹1.80 a husk; 12,000 husks a ton of fibre = ₹21,600 a ton
- Water — to wet the husk before crushing
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 15.96 |
| Contingency | 0.80 |
| Total fixed capital | 16.76 |
| Working capital margin | 0.00 |
| Total project cost | 16.76 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 1.68 | 10.0 |
| Subsidy | 4.19 | 25.0 |
| Term loan from bank | 10.89 | 65.0 |
| Total | 16.76 | 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 | 0.34 | 0.34 | 0.34 | 0.34 | 0.34 | 0.34 | 0.34 |
| Insurance | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 |
| Total cost of operations | 3.30 | 3.30 | 3.30 | 3.30 | 3.30 | 3.30 | 3.30 |
| Operating profit (EBITDA) | -3.30 | -3.30 | -3.30 | -3.30 | -3.30 | -3.30 | -3.30 |
| Depreciation | 2.51 | 2.14 | 1.82 | 1.54 | 1.31 | 1.12 | 0.95 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 1.18 | 1.02 | 0.84 | 0.65 | 0.47 | 0.28 | 0.10 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -6.99 | -6.46 | -5.95 | -5.50 | -5.08 | -4.70 | -4.35 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -6.99 | -6.46 | -5.95 | -5.50 | -5.08 | -4.70 | -4.35 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -6.99 | -6.46 | -5.95 | -5.50 | -5.08 | -4.70 | -4.35 |
| Depreciation | 2.51 | 2.14 | 1.82 | 1.54 | 1.31 | 1.12 | 0.95 |
| Cash accruals (PAT + depreciation) | -4.48 | -4.32 | -4.14 | -3.95 | -3.77 | -3.58 | -3.40 |
| Term loan repaid | 0.84 | 1.68 | 1.68 | 1.68 | 1.68 | 1.68 | 1.68 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -5.32 | -6.00 | -5.81 | -5.63 | -5.44 | -5.26 | -5.07 |
| Cash and bank | -5.32 | -11.31 | -17.12 | -22.75 | -28.19 | -33.45 | -38.53 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 5.87 | 5.87 | 5.87 | 5.87 | 5.87 | 5.87 | 5.87 |
| Reserves and surplus | -6.99 | -13.45 | -19.40 | -24.90 | -29.98 | -34.67 | -39.02 |
| Term loan outstanding | 10.05 | 8.38 | 6.70 | 5.03 | 3.35 | 1.68 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 8.93 | 0.80 | -6.83 | -14.00 | -20.76 | -27.13 | -33.16 |
| Net fixed assets | 14.24 | 12.11 | 10.29 | 8.75 | 7.44 | 6.32 | 5.37 |
| 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 | -5.32 | -11.31 | -17.12 | -22.75 | -28.19 | -33.45 | -38.53 |
| Total assets | 8.93 | 0.80 | -6.83 | -14.00 | -20.76 | -27.13 | -33.16 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -1.64 | -1.22 | -1.31 | -1.42 | -1.54 | -1.68 | -1.86 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -1.52 |
|---|---|
| Lowest DSCR | -1.86 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 2.51 | 2.14 | 1.82 | 1.54 | 1.31 | 1.12 | 0.95 |
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 | 10.89 | 1.18 | 0.84 | 10.05 |
| 2 | 10.05 | 1.02 | 1.68 | 8.38 |
| 3 | 8.38 | 0.84 | 1.68 | 6.70 |
| 4 | 6.70 | 0.65 | 1.68 | 5.03 |
| 5 | 5.03 | 0.47 | 1.68 | 3.35 |
| 6 | 3.35 | 0.28 | 1.68 | 1.68 |
| 7 | 1.68 | 0.10 | 1.68 | 0.00 |
17 Licences and registrations
- Udyam registration
- GST registration
- Registration with the Coir Board (needed to export; also opens Coir Board schemes)
- State Pollution Control Board consent (check the category for your process)
- Factory licence if 10 or more workers use power
18 Government schemes that may apply
- Prime Minister's Employment Generation Programme (PMEGP)
- Pradhan Mantri MUDRA Yojana (PMMY) – Shishu, Kishor, Tarun, Tarun Plus
- Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)
- Stand-Up India
19 Sources
- PMEGP project profile — Coir Fibre Extraction Unit (prepared by Coir Board, Ministry of MSME) — https://pmegp.msme.gov.in/Home/DownloadDocument?fileName=Documents/ProjectSampleReport/PROFILE_FOR_COIR_FIBRE_EXTRACTION_UNIT_%28_COIR_BOARD_BASED_INDUSTRY_%29.pdf
- DGFT — ITC (HS) classification of export and import items — https://www.dgft.gov.in/CP/?opt=itchs-import-export
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.