Detailed Project Report
Dipped Latex Products (Gloves, Tubes, Finger Stalls)
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹1.14 L
- Term loan from bank
- ₹0.74 L
- Promoter’s contribution
- ₹0.11 L
- Subsidy
- ₹0.29 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-3.09 L
- Average DSCR
- -19.67
- 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
Dip moulds in compounded natural rubber latex to make gloves, transfusion tubes and finger stalls for hospitals.
| Main product or service | Dipped Latex Products (Gloves, Tubes, Finger Stalls) |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Hospitals and nursing homes
- Clinics and doctors
- Medical supply dealers
- Medical and surgical dealers
- Hospital purchase and tenders
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Pot mill with 1.5 HP motor | 1 | 18,000 | 18,000 |
| Mixer with 0.5 HP motor | 1 | 6,000 | 6,000 |
| De-ammoniating vessel with 0.5 HP motor | 1 | 10,000 | 10,000 |
| Electric air oven | 1 | 30,000 | 30,000 |
| Moulds (× LS) | 1 | 12,000 | 12,000 |
| Dipping vat (× 2) | 1 | 10,000 | 10,000 |
| Coagulation tanks (× LS) | 1 | 8,000 | 8,000 |
| Testing equipment (× LS) | 1 | 15,000 | 15,000 |
| Total | 1,09,000 |
Pre-filled from: DC-MSME project profile — Latex Products (PMRY series); World Customs Organization – HS Nomenclature 2022, Chapter 40. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Centrifuged natural rubber latex (60% DRC) — 250 kg a month — ₹8,750 in the profile
- Zinc oxide — 35 kg a month — ₹2,675
- Sulphur and accelerator — 33 kg sulphur (₹500) and 15 kg accelerator (₹1,950) a month
- Calcium nitrate (coagulant) — 70 kg a month — ₹1,750
- Antioxidant, stabiliser, casein and dispersing agent — small quantities
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 1.09 |
| Contingency | 0.05 |
| Total fixed capital | 1.14 |
| Working capital margin | 0.00 |
| Total project cost | 1.14 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 0.11 | 10.0 |
| Subsidy | 0.29 | 25.0 |
| Term loan from bank | 0.74 | 65.0 |
| Total | 1.14 | 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 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
| Insurance | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Total cost of operations | 2.91 | 2.91 | 2.91 | 2.91 | 2.91 | 2.91 | 2.91 |
| Operating profit (EBITDA) | -2.91 | -2.91 | -2.91 | -2.91 | -2.91 | -2.91 | -2.91 |
| Depreciation | 0.17 | 0.15 | 0.12 | 0.11 | 0.09 | 0.08 | 0.06 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 0.08 | 0.07 | 0.06 | 0.04 | 0.03 | 0.02 | 0.01 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -3.16 | -3.12 | -3.09 | -3.06 | -3.03 | -3.00 | -2.98 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -3.16 | -3.12 | -3.09 | -3.06 | -3.03 | -3.00 | -2.98 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -3.16 | -3.12 | -3.09 | -3.06 | -3.03 | -3.00 | -2.98 |
| Depreciation | 0.17 | 0.15 | 0.12 | 0.11 | 0.09 | 0.08 | 0.06 |
| Cash accruals (PAT + depreciation) | -2.99 | -2.98 | -2.97 | -2.95 | -2.94 | -2.93 | -2.92 |
| Term loan repaid | 0.06 | 0.11 | 0.11 | 0.11 | 0.11 | 0.11 | 0.11 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -3.05 | -3.09 | -3.08 | -3.07 | -3.06 | -3.04 | -3.03 |
| Cash and bank | -3.05 | -6.14 | -9.22 | -12.29 | -15.34 | -18.38 | -21.41 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 0.40 | 0.40 | 0.40 | 0.40 | 0.40 | 0.40 | 0.40 |
| Reserves and surplus | -3.16 | -6.29 | -9.37 | -12.43 | -15.46 | -18.47 | -21.45 |
| Term loan outstanding | 0.69 | 0.57 | 0.46 | 0.34 | 0.23 | 0.11 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | -2.07 | -5.31 | -8.52 | -11.69 | -14.83 | -17.95 | -21.05 |
| Net fixed assets | 0.97 | 0.83 | 0.70 | 0.60 | 0.51 | 0.43 | 0.37 |
| 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 | -3.05 | -6.14 | -9.22 | -12.29 | -15.34 | -18.38 | -21.41 |
| Total assets | -2.07 | -5.31 | -8.52 | -11.69 | -14.83 | -17.95 | -21.05 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -21.12 | -15.79 | -16.95 | -18.29 | -19.86 | -21.73 | -23.98 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -19.67 |
|---|---|
| Lowest DSCR | -23.98 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 0.17 | 0.15 | 0.12 | 0.11 | 0.09 | 0.08 | 0.06 |
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 | 0.74 | 0.08 | 0.06 | 0.69 |
| 2 | 0.69 | 0.07 | 0.11 | 0.57 |
| 3 | 0.57 | 0.06 | 0.11 | 0.46 |
| 4 | 0.46 | 0.04 | 0.11 | 0.34 |
| 5 | 0.34 | 0.03 | 0.11 | 0.23 |
| 6 | 0.23 | 0.02 | 0.11 | 0.11 |
| 7 | 0.11 | 0.01 | 0.11 | 0.00 |
17 Licences and registrations
- Udyam registration
- GST registration
- CDSCO licence under the Medical Devices Rules, 2017 for gloves and tubes sold for medical use
- BIS certification if a Quality Control Order covers your glove type — check with BIS
- State Pollution Control Board consent where the state requires it
18 Government schemes that may apply
- Prime Minister's Employment Generation Programme (PMEGP)
- Pradhan Mantri MUDRA Yojana (PMMY) – Shishu, Kishor, Tarun, Tarun Plus
19 Sources
- DC-MSME project profile — Latex Products (PMRY series) — https://www.dcmsme.gov.in/publications/pmryprof/chem/ch16.pdf
- World Customs Organization – HS Nomenclature 2022, Chapter 40 — https://www.wcoomd.org/-/media/wco/public/global/pdf/topics/nomenclature/instruments-and-tools/hs-nomenclature-2022/2022/0740_2022e.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.