Detailed Project Report
Fig (Anjeer) Paste Unit
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹11.60 L
- Term loan from bank
- ₹7.54 L
- Promoter’s contribution
- ₹1.16 L
- Subsidy
- ₹2.90 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-5.01 L
- Average DSCR
- -2.12
- 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
Pulping ripe figs, cooking them with sugar and packing the thick paste for bakeries, sweet makers and homes.
| Main product or service | Fig (Anjeer) Paste Unit |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Bakeries and confectioners
- Sweet makers and ice-cream makers
- Health-food brands and households
- Direct supply to bakeries and food makers
- Grocery shops and supermarkets
- Online sale
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Cold store (1,500 kg) | 1 | 3,50,000 | 3,50,000 |
| Washing tank (200 litre) | 1 | 40,000 | 40,000 |
| Fruit pulper (100 kg/hr) | 1 | 20,000 | 20,000 |
| Fruit grinding machine (100 kg/hr) | 1 | 30,000 | 30,000 |
| Thermic fluid kettle with scraper (150 litre) | 1 | 1,80,000 | 1,80,000 |
| Colloid mill | 1 | 1,30,000 | 1,30,000 |
| Finished product storage tank (150 litre) | 1 | 40,000 | 40,000 |
| Paste filling machine | 1 | 1,10,000 | 1,10,000 |
| Continuous sealing machine | 1 | 35,000 | 35,000 |
| Weighing balance | 1 | 20,000 | 20,000 |
| Accessories (× 1 lot) | 1 | 1,50,000 | 1,50,000 |
| Total | 11,05,000 |
Pre-filled from: NIFTEM-Thanjavur (IIFPT) PMFME model DPR — Fig Paste. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Ripe figs — 350 kg a day at 70% capacity, ₹150 a kg; 80% recovery; store below 6°C
- Sugar — ₹32 a kg in the report
- Packaging material — ₹8 per kg of paste
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 11.05 |
| Contingency | 0.55 |
| Total fixed capital | 11.60 |
| Working capital margin | 0.00 |
| Total project cost | 11.60 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 1.16 | 10.0 |
| Subsidy | 2.90 | 25.0 |
| Term loan from bank | 7.54 | 65.0 |
| Total | 11.60 | 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 | 0.23 | 0.23 | 0.23 | 0.23 | 0.23 | 0.23 | 0.23 |
| Insurance | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 |
| Total cost of operations | 3.17 | 3.17 | 3.17 | 3.17 | 3.17 | 3.17 | 3.17 |
| Operating profit (EBITDA) | -3.17 | -3.17 | -3.17 | -3.17 | -3.17 | -3.17 | -3.17 |
| Depreciation | 1.74 | 1.48 | 1.26 | 1.07 | 0.91 | 0.77 | 0.66 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 0.82 | 0.71 | 0.58 | 0.45 | 0.32 | 0.20 | 0.07 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -5.73 | -5.36 | -5.01 | -4.69 | -4.40 | -4.14 | -3.90 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -5.73 | -5.36 | -5.01 | -4.69 | -4.40 | -4.14 | -3.90 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -5.73 | -5.36 | -5.01 | -4.69 | -4.40 | -4.14 | -3.90 |
| Depreciation | 1.74 | 1.48 | 1.26 | 1.07 | 0.91 | 0.77 | 0.66 |
| Cash accruals (PAT + depreciation) | -3.99 | -3.88 | -3.75 | -3.62 | -3.49 | -3.37 | -3.24 |
| Term loan repaid | 0.58 | 1.16 | 1.16 | 1.16 | 1.16 | 1.16 | 1.16 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -4.57 | -5.04 | -4.91 | -4.78 | -4.65 | -4.53 | -4.40 |
| Cash and bank | -4.57 | -9.60 | -14.51 | -19.30 | -23.95 | -28.48 | -32.88 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 4.06 | 4.06 | 4.06 | 4.06 | 4.06 | 4.06 | 4.06 |
| Reserves and surplus | -5.73 | -11.08 | -16.09 | -20.78 | -25.18 | -29.32 | -33.22 |
| Term loan outstanding | 6.96 | 5.80 | 4.64 | 3.48 | 2.32 | 1.16 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 5.30 | -1.22 | -7.39 | -13.24 | -18.80 | -24.10 | -29.16 |
| Net fixed assets | 9.86 | 8.38 | 7.13 | 6.06 | 5.15 | 4.38 | 3.72 |
| 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 | -4.57 | -9.60 | -14.51 | -19.30 | -23.95 | -28.48 | -32.88 |
| Total assets | 5.30 | -1.22 | -7.39 | -13.24 | -18.80 | -24.10 | -29.16 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -2.27 | -1.70 | -1.82 | -1.97 | -2.14 | -2.34 | -2.58 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -2.12 |
|---|---|
| Lowest DSCR | -2.58 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 1.74 | 1.48 | 1.26 | 1.07 | 0.91 | 0.77 | 0.66 |
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 | 7.54 | 0.82 | 0.58 | 6.96 |
| 2 | 6.96 | 0.71 | 1.16 | 5.80 |
| 3 | 5.80 | 0.58 | 1.16 | 4.64 |
| 4 | 4.64 | 0.45 | 1.16 | 3.48 |
| 5 | 3.48 | 0.32 | 1.16 | 2.32 |
| 6 | 2.32 | 0.20 | 1.16 | 1.16 |
| 7 | 1.16 | 0.07 | 1.16 | 0.00 |
17 Licences and registrations
- Udyam registration
- GST registration
- FSSAI licence
- Trade licence from the local body
- Consent from the State Pollution Control Board where it applies
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
- NIFTEM-Thanjavur (IIFPT) PMFME model DPR — Fig Paste — https://niftem-t.ac.in/pmfme/dpr-fpaste.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.