Detailed Project Report
Dates Processing and Packaging Unit
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹27.62 L
- Term loan from bank
- ₹17.95 L
- Promoter’s contribution
- ₹2.76 L
- Subsidy
- ₹6.90 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-7.94 L
- Average DSCR
- -1.00
- 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
Sorting, cleaning, drying and vacuum-packing dates under your own brand.
| Main product or service | Dates Processing and Packaging Unit |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Dry-fruit shops and grocers
- Supermarkets and department stores
- Hotels, caterers and restaurants
- Wholesalers and distributors
- Organised retail
- Online marketplaces
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Thermoforming vacuum packing machine | 1 | 24,00,000 | 24,00,000 |
| Weighing machine (× 2) | 1 | 30,000 | 30,000 |
| Printing machine | 1 | 1,50,000 | 1,50,000 |
| Equipment and other tools | 1 | 50,000 | 50,000 |
| Total | 26,30,000 |
Pre-filled from: NIFTEM-Thanjavur (IIFPT) PMFME model DPR — Dates. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Ripe date fruit — costed at ₹72.4 a kg; from farms or suppliers
- PET and polystyrene film rolls — for thermoformed vacuum packs
- Printing inks — for printing the film
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 26.30 |
| Contingency | 1.32 |
| Total fixed capital | 27.62 |
| Working capital margin | 0.00 |
| Total project cost | 27.62 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 2.76 | 10.0 |
| Subsidy | 6.90 | 25.0 |
| Term loan from bank | 17.95 | 65.0 |
| Total | 27.62 | 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 | 0.55 | 0.55 | 0.55 | 0.55 | 0.55 | 0.55 | 0.55 |
| Insurance | 0.14 | 0.14 | 0.14 | 0.14 | 0.14 | 0.14 | 0.14 |
| Total cost of operations | 3.57 | 3.57 | 3.57 | 3.57 | 3.57 | 3.57 | 3.57 |
| Operating profit (EBITDA) | -3.57 | -3.57 | -3.57 | -3.57 | -3.57 | -3.57 | -3.57 |
| Depreciation | 4.14 | 3.52 | 2.99 | 2.54 | 2.16 | 1.84 | 1.56 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 1.94 | 1.68 | 1.38 | 1.08 | 0.77 | 0.47 | 0.16 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -9.66 | -8.77 | -7.94 | -7.19 | -6.50 | -5.88 | -5.30 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -9.66 | -8.77 | -7.94 | -7.19 | -6.50 | -5.88 | -5.30 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -9.66 | -8.77 | -7.94 | -7.19 | -6.50 | -5.88 | -5.30 |
| Depreciation | 4.14 | 3.52 | 2.99 | 2.54 | 2.16 | 1.84 | 1.56 |
| Cash accruals (PAT + depreciation) | -5.51 | -5.25 | -4.95 | -4.65 | -4.34 | -4.04 | -3.73 |
| Term loan repaid | 1.38 | 2.76 | 2.76 | 2.76 | 2.76 | 2.76 | 2.76 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -6.89 | -8.02 | -7.71 | -7.41 | -7.10 | -6.80 | -6.50 |
| Cash and bank | -6.89 | -14.91 | -22.62 | -30.03 | -37.13 | -43.93 | -50.43 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 9.67 | 9.67 | 9.67 | 9.67 | 9.67 | 9.67 | 9.67 |
| Reserves and surplus | -9.66 | -18.43 | -26.37 | -33.56 | -40.07 | -45.94 | -51.24 |
| Term loan outstanding | 16.57 | 13.81 | 11.05 | 8.28 | 5.52 | 2.76 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 16.58 | 5.04 | -5.66 | -15.61 | -24.88 | -33.52 | -41.58 |
| Net fixed assets | 23.47 | 19.95 | 16.96 | 14.42 | 12.25 | 10.41 | 8.85 |
| 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 | -6.89 | -14.91 | -22.62 | -30.03 | -37.13 | -43.93 | -50.43 |
| Total assets | 16.58 | 5.04 | -5.66 | -15.61 | -24.88 | -33.52 | -41.58 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -1.07 | -0.80 | -0.86 | -0.93 | -1.01 | -1.11 | -1.22 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -1.00 |
|---|---|
| Lowest DSCR | -1.22 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 4.14 | 3.52 | 2.99 | 2.54 | 2.16 | 1.84 | 1.56 |
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 | 17.95 | 1.94 | 1.38 | 16.57 |
| 2 | 16.57 | 1.68 | 2.76 | 13.81 |
| 3 | 13.81 | 1.38 | 2.76 | 11.05 |
| 4 | 11.05 | 1.08 | 2.76 | 8.28 |
| 5 | 8.28 | 0.77 | 2.76 | 5.52 |
| 6 | 5.52 | 0.47 | 2.76 | 2.76 |
| 7 | 2.76 | 0.16 | 2.76 | 0.00 |
17 Licences and registrations
- Udyam registration
- GST registration
- FSSAI licence or registration
- Legal Metrology registration for packaged goods
- Trade licence from the local body
18 Government schemes that may apply
- PM Formalisation of Micro Food Processing Enterprises (PM FME)
- Prime Minister's Employment Generation Programme (PMEGP)
- Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)
19 Sources
- NIFTEM-Thanjavur (IIFPT) PMFME model DPR — Dates — https://niftem-t.ac.in/pmfme/dpr-dates.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.