Detailed Project Report
Coir Mat Shearing and Stencil Printing
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹19.73 L
- Term loan from bank
- ₹12.82 L
- Promoter’s contribution
- ₹1.97 L
- Subsidy
- ₹4.93 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-6.50 L
- Average DSCR
- -1.32
- 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
Shear, trim and stencil-print designs on PVC-backed coir mats for export.
| Main product or service | Coir Mat Shearing and Stencil Printing |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Coir mat exporters
- Overseas retail chains through exporters
- Supply or job work for exporters
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Compressor, 15 HP | 1 | 3,20,000 | 3,20,000 |
| Spray gun (× 20) | 1 | 1,00,000 | 1,00,000 |
| Shearing machine, 5 HP (× 2) | 1 | 6,00,000 | 6,00,000 |
| Trimming machine, 1 HP (× 2) | 1 | 3,50,000 | 3,50,000 |
| Printing tables and structures | 1 | 2,00,000 | 2,00,000 |
| Effluent treatment plant (ETP) | 1 | 3,09,000 | 3,09,000 |
| Total | 18,79,000 |
Pre-filled from: PMEGP project profile — Coir Mat Shearing/Stencilling 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
- PVC-backed coir mats, No. 2 size — ₹145 a mat
- Paints, pigments and thinners — applied through stencils on the top surface only
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 18.79 |
| Contingency | 0.94 |
| Total fixed capital | 19.73 |
| Working capital margin | 0.00 |
| Total project cost | 19.73 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 1.97 | 10.0 |
| Subsidy | 4.93 | 25.0 |
| Term loan from bank | 12.82 | 65.0 |
| Total | 19.73 | 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 | 0.39 | 0.39 | 0.39 | 0.39 | 0.39 | 0.39 | 0.39 |
| Insurance | 0.10 | 0.10 | 0.10 | 0.10 | 0.10 | 0.10 | 0.10 |
| Total cost of operations | 3.37 | 3.37 | 3.37 | 3.37 | 3.37 | 3.37 | 3.37 |
| Operating profit (EBITDA) | -3.37 | -3.37 | -3.37 | -3.37 | -3.37 | -3.37 | -3.37 |
| Depreciation | 2.96 | 2.52 | 2.14 | 1.82 | 1.54 | 1.31 | 1.12 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 1.39 | 1.20 | 0.99 | 0.77 | 0.55 | 0.33 | 0.12 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -7.72 | -7.09 | -6.50 | -5.96 | -5.47 | -5.02 | -4.61 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -7.72 | -7.09 | -6.50 | -5.96 | -5.47 | -5.02 | -4.61 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -7.72 | -7.09 | -6.50 | -5.96 | -5.47 | -5.02 | -4.61 |
| Depreciation | 2.96 | 2.52 | 2.14 | 1.82 | 1.54 | 1.31 | 1.12 |
| Cash accruals (PAT + depreciation) | -4.76 | -4.58 | -4.36 | -4.14 | -3.92 | -3.71 | -3.49 |
| Term loan repaid | 0.99 | 1.97 | 1.97 | 1.97 | 1.97 | 1.97 | 1.97 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -5.75 | -6.55 | -6.33 | -6.11 | -5.90 | -5.68 | -5.46 |
| Cash and bank | -5.75 | -12.30 | -18.63 | -24.74 | -30.64 | -36.32 | -41.79 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 6.91 | 6.91 | 6.91 | 6.91 | 6.91 | 6.91 | 6.91 |
| Reserves and surplus | -7.72 | -14.81 | -21.31 | -27.27 | -32.74 | -37.76 | -42.37 |
| Term loan outstanding | 11.84 | 9.86 | 7.89 | 5.92 | 3.95 | 1.97 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 11.02 | 1.96 | -6.51 | -14.44 | -21.89 | -28.88 | -35.46 |
| Net fixed assets | 16.77 | 14.25 | 12.12 | 10.30 | 8.75 | 7.44 | 6.32 |
| 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 | -5.75 | -12.30 | -18.63 | -24.74 | -30.64 | -36.32 | -41.79 |
| Total assets | 11.02 | 1.96 | -6.51 | -14.44 | -21.89 | -28.88 | -35.46 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -1.42 | -1.06 | -1.14 | -1.23 | -1.34 | -1.46 | -1.61 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -1.32 |
|---|---|
| Lowest DSCR | -1.61 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 2.96 | 2.52 | 2.14 | 1.82 | 1.54 | 1.31 | 1.12 |
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 | 12.82 | 1.39 | 0.99 | 11.84 |
| 2 | 11.84 | 1.20 | 1.97 | 9.86 |
| 3 | 9.86 | 0.99 | 1.97 | 7.89 |
| 4 | 7.89 | 0.77 | 1.97 | 5.92 |
| 5 | 5.92 | 0.55 | 1.97 | 3.95 |
| 6 | 3.95 | 0.33 | 1.97 | 1.97 |
| 7 | 1.97 | 0.12 | 1.97 | 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
- IEC code if you export
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 Mat Shearing/Stencilling Unit (prepared by Coir Board, Ministry of MSME) — https://pmegp.msme.gov.in/Home/DownloadDocument?fileName=Documents/ProjectSampleReport/PROJECT_PROFILE_FOR_COIR_MAT_SHEARING-STENCILLING_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.