Detailed Project Report
Coir Geotextiles on Anugraha Handlooms
—
Prepared on: 26 October 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹14.91 L
- Term loan from bank
- ₹9.69 L
- Promoter’s contribution
- ₹1.49 L
- Subsidy
- ₹3.73 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-5.61 L
- Average DSCR
- -1.69
- 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
Weave coir yarn into open-mesh erosion-control mats on 12 pedal-operated metal looms.
| Main product or service | Coir Geotextiles on Anugraha Handlooms |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Road, railway and highway contractors
- Irrigation, canal and river-bank protection works
- Slope protection and landscaping projects
- Government tenders
- Supply to contractors
- Coir Board-linked marketing
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Anugraha loom (metal handloom) (× 12) | 1 | 10,00,000 | 10,00,000 |
| Warping device, spooling device and quilling equipment (× 1 lot) | 1 | 4,20,000 | 4,20,000 |
| Total | 14,20,000 |
Pre-filled from: Coir Board Project Profile — Coir Geo-Textiles Unit (Anugraha Loom) (PMEGP). Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- 2-ply coir yarn — ₹46,000 worth per 1,000 sq m of fabric; 5% yield wastage
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 14.20 |
| Contingency | 0.71 |
| Total fixed capital | 14.91 |
| Working capital margin | 0.00 |
| Total project cost | 14.91 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 1.49 | 10.0 |
| Subsidy | 3.73 | 25.0 |
| Term loan from bank | 9.69 | 65.0 |
| Total | 14.91 | 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 | 0.30 | 0.30 | 0.30 | 0.30 | 0.30 | 0.30 | 0.30 |
| Insurance | 0.07 | 0.07 | 0.07 | 0.07 | 0.07 | 0.07 | 0.07 |
| Total cost of operations | 3.25 | 3.25 | 3.25 | 3.25 | 3.25 | 3.25 | 3.25 |
| Operating profit (EBITDA) | -3.25 | -3.25 | -3.25 | -3.25 | -3.25 | -3.25 | -3.25 |
| Depreciation | 2.24 | 1.90 | 1.62 | 1.37 | 1.17 | 0.99 | 0.84 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 1.05 | 0.91 | 0.74 | 0.58 | 0.42 | 0.25 | 0.09 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -6.54 | -6.06 | -5.61 | -5.21 | -4.84 | -4.50 | -4.19 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -6.54 | -6.06 | -5.61 | -5.21 | -4.84 | -4.50 | -4.19 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -6.54 | -6.06 | -5.61 | -5.21 | -4.84 | -4.50 | -4.19 |
| Depreciation | 2.24 | 1.90 | 1.62 | 1.37 | 1.17 | 0.99 | 0.84 |
| Cash accruals (PAT + depreciation) | -4.30 | -4.16 | -4.00 | -3.83 | -3.67 | -3.51 | -3.34 |
| Term loan repaid | 0.75 | 1.49 | 1.49 | 1.49 | 1.49 | 1.49 | 1.49 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -5.05 | -5.65 | -5.49 | -5.32 | -5.16 | -5.00 | -4.83 |
| Cash and bank | -5.05 | -10.70 | -16.19 | -21.51 | -26.67 | -31.67 | -36.50 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 5.22 | 5.22 | 5.22 | 5.22 | 5.22 | 5.22 | 5.22 |
| Reserves and surplus | -6.54 | -12.60 | -18.21 | -23.42 | -28.26 | -32.76 | -36.94 |
| Term loan outstanding | 8.95 | 7.46 | 5.96 | 4.47 | 2.98 | 1.49 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 7.63 | 0.07 | -7.03 | -13.73 | -20.06 | -26.05 | -31.72 |
| Net fixed assets | 12.67 | 10.77 | 9.16 | 7.78 | 6.62 | 5.62 | 4.78 |
| 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 | -5.05 | -10.70 | -16.19 | -21.51 | -26.67 | -31.67 | -36.50 |
| Total assets | 7.63 | 0.07 | -7.03 | -13.73 | -20.06 | -26.05 | -31.72 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -1.81 | -1.36 | -1.45 | -1.57 | -1.70 | -1.87 | -2.06 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -1.69 |
|---|---|
| Lowest DSCR | -2.06 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 2.24 | 1.90 | 1.62 | 1.37 | 1.17 | 0.99 | 0.84 |
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 | 9.69 | 1.05 | 0.75 | 8.95 |
| 2 | 8.95 | 0.91 | 1.49 | 7.46 |
| 3 | 7.46 | 0.74 | 1.49 | 5.96 |
| 4 | 5.96 | 0.58 | 1.49 | 4.47 |
| 5 | 4.47 | 0.42 | 1.49 | 2.98 |
| 6 | 2.98 | 0.25 | 1.49 | 1.49 |
| 7 | 1.49 | 0.09 | 1.49 | 0.00 |
17 Licences and registrations
- Udyam registration
- GST
- Coir Board registration
- Labour registrations for a 20+ worker unit (EPF, and ESI where applicable)
18 Government schemes that may apply
- 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
- Stand-Up India
19 Sources
- Coir Board Project Profile — Coir Geo-Textiles Unit (Anugraha Loom) (PMEGP) — https://pmegp.msme.gov.in/Home/DownloadDocument?fileName=Documents/ProjectSampleReport/PROJECT_PROFILE_COIR_GEO-TEXTILES_UNIT%28ANUGRAHALOOM%29_%28_COIR_BOARD_BASED_INDUSTRY_%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.