Detailed Project Report
Curry Powder and Rice Powder Unit
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹3.89 L
- Term loan from bank
- ₹2.53 L
- Promoter’s contribution
- ₹0.39 L
- Subsidy
- ₹0.97 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-3.59 L
- Average DSCR
- -5.93
- 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
Roast and grind rice powder, spice powders and curry powder, and press coconut oil on the side.
| Main product or service | Curry Powder and Rice Powder Unit |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Households
- Kirana shops and supermarkets
- Hotels and caterers
- Local retail shops
- Distributors and supermarkets
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Multi-mill pulveriser (double head 12" one side, single head 12" other side) | 1 | 59,500 | 59,500 |
| 10 HP motor with starter, switch and capacitor (× 2) | 1 | 54,000 | 54,000 |
| 12" disintegrator with stand | 1 | 36,000 | 36,000 |
| Uruli roaster, 15 kg a batch, with electric motor | 1 | 28,500 | 28,500 |
| Flour mill parts (motor pulley, belt, rail, foundation bolts, belt guard) | 1 | 30,000 | 30,000 |
| Single-head pulveriser | 1 | 26,000 | 26,000 |
| 4-bolt oil expeller | 1 | 92,000 | 92,000 |
| Electronic weighing balance | 1 | 14,500 | 14,500 |
| Cubicle control panel | 1 | 29,500 | 29,500 |
| Total | 3,70,000 |
Pre-filled from: ni-msme project profile — Curry and Rice Powder; World Customs Organization – HS Nomenclature 2022 edition. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Rice — 1,930 kg a month at ₹25 a kg (60% capacity)
- Chilli — 605 kg a month at ₹80 a kg
- Coriander — 605 kg a month at ₹80 a kg
- Turmeric — 605 kg a month at ₹85 a kg
- Spices (for curry powder) — 605 kg a month at ₹170 a kg
- Herbs — 605 kg a month at ₹400 a kg
- Copra — 377.5 kg a month at ₹102 a kg, for coconut oil
- Packing materials — 60 kg a month at ₹80 a kg
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 3.70 |
| Contingency | 0.19 |
| Total fixed capital | 3.89 |
| Working capital margin | 0.00 |
| Total project cost | 3.89 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 0.39 | 10.0 |
| Subsidy | 0.97 | 25.0 |
| Term loan from bank | 2.53 | 65.0 |
| Total | 3.89 | 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 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 |
| Insurance | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
| Total cost of operations | 2.98 | 2.98 | 2.98 | 2.98 | 2.98 | 2.98 | 2.98 |
| Operating profit (EBITDA) | -2.98 | -2.98 | -2.98 | -2.98 | -2.98 | -2.98 | -2.98 |
| Depreciation | 0.58 | 0.50 | 0.42 | 0.36 | 0.30 | 0.26 | 0.22 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 0.27 | 0.24 | 0.19 | 0.15 | 0.11 | 0.07 | 0.02 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -3.83 | -3.71 | -3.59 | -3.49 | -3.39 | -3.30 | -3.22 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -3.83 | -3.71 | -3.59 | -3.49 | -3.39 | -3.30 | -3.22 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -3.83 | -3.71 | -3.59 | -3.49 | -3.39 | -3.30 | -3.22 |
| Depreciation | 0.58 | 0.50 | 0.42 | 0.36 | 0.30 | 0.26 | 0.22 |
| Cash accruals (PAT + depreciation) | -3.25 | -3.21 | -3.17 | -3.13 | -3.09 | -3.04 | -3.00 |
| Term loan repaid | 0.19 | 0.39 | 0.39 | 0.39 | 0.39 | 0.39 | 0.39 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -3.44 | -3.60 | -3.56 | -3.52 | -3.47 | -3.43 | -3.39 |
| Cash and bank | -3.44 | -7.05 | -10.61 | -14.12 | -17.60 | -21.03 | -24.42 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 1.36 | 1.36 | 1.36 | 1.36 | 1.36 | 1.36 | 1.36 |
| Reserves and surplus | -3.83 | -7.54 | -11.13 | -14.62 | -18.01 | -21.31 | -24.53 |
| Term loan outstanding | 2.33 | 1.94 | 1.55 | 1.17 | 0.78 | 0.39 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | -0.14 | -4.24 | -8.22 | -12.10 | -15.87 | -19.56 | -23.17 |
| Net fixed assets | 3.30 | 2.81 | 2.39 | 2.03 | 1.72 | 1.47 | 1.25 |
| 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 | -3.44 | -7.05 | -10.61 | -14.12 | -17.60 | -21.03 | -24.42 |
| Total assets | -0.14 | -4.24 | -8.22 | -12.10 | -15.87 | -19.56 | -23.17 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -6.37 | -4.76 | -5.11 | -5.51 | -5.99 | -6.55 | -7.23 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -5.93 |
|---|---|
| Lowest DSCR | -7.23 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 0.58 | 0.50 | 0.42 | 0.36 | 0.30 | 0.26 | 0.22 |
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 | 2.53 | 0.27 | 0.19 | 2.33 |
| 2 | 2.33 | 0.24 | 0.39 | 1.94 |
| 3 | 1.94 | 0.19 | 0.39 | 1.55 |
| 4 | 1.55 | 0.15 | 0.39 | 1.17 |
| 5 | 1.17 | 0.11 | 0.39 | 0.78 |
| 6 | 0.78 | 0.07 | 0.39 | 0.39 |
| 7 | 0.39 | 0.02 | 0.39 | 0.00 |
17 Licences and registrations
- FSSAI licence
- Udyam registration
- GST registration
- Legal Metrology registration for packed goods
- AGMARK (optional, builds trust)
18 Government schemes that may apply
- PM Formalisation of Micro Food Processing Enterprises (PM FME)
- 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)
19 Sources
- ni-msme project profile — Curry and Rice Powder — https://my.msme.gov.in/MyMsmeMob/MsmeProjectProfile/Curry.htm
- World Customs Organization – HS Nomenclature 2022 edition — https://www.wcoomd.org/en/topics/nomenclature/instrument-and-tools/hs-nomenclature-2022-edition/hs-nomenclature-2022-edition.aspx
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.