Detailed Project Report
Ginger-Garlic Paste Unit
—
Prepared on: 27 October 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹31.50 L
- Term loan from bank
- ₹28.35 L
- Promoter’s contribution
- ₹3.15 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-9.26 L
- Average DSCR
- -0.65
- 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
Wash, peel, crush and pulp ginger and garlic into a ready paste with preservative, packed in pouches and containers for kitchens and hotels.
| Main product or service | Ginger-Garlic Paste Unit |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Households
- Hotels, restaurants and caterers
- Food processors making sauces, gravies, pickles and curries
- Distributors and kirana shops
- Supermarkets
- Bulk supply to HoReCa and food processors
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Water-jet washer and skin peeling machine (pulp division) | 1 | 12,00,000 | 12,00,000 |
| Fruit mill / crusher with mixer, grinder and slicer | 1 | 4,00,000 | 4,00,000 |
| Pulping machine | 1 | 5,00,000 | 5,00,000 |
| Testing and packing equipment (mixing tank, filling, sealing, weighing, carton packing) (× lump sum) | 1 | 3,00,000 | 3,00,000 |
| Utility equipment (× lump sum) | 1 | 2,00,000 | 2,00,000 |
| Installation, taxes and transport (× lump sum) | 1 | 4,00,000 | 4,00,000 |
| Total | 30,00,000 |
Pre-filled from: SIDBI Stand-Up Mitra project profile — Ginger, Garlic & Onion Pastes; World Customs Organization – HS Nomenclature 2022, Chapter 20. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Ginger and garlic — bought from farms; grown in Gujarat, Odisha, Maharashtra, Himachal Pradesh, Kerala, Haryana, MP and UP, per the profile
- Preservative — mixed into the paste
- Pouches, containers and outer cartons — two pack types: pouch and container
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 30.00 |
| Contingency | 1.50 |
| Total fixed capital | 31.50 |
| Working capital margin | 0.00 |
| Total project cost | 31.50 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 3.15 | 10.0 |
| Term loan from bank | 28.35 | 90.0 |
| Total | 31.50 | 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 | 0.63 | 0.63 | 0.63 | 0.63 | 0.63 | 0.63 | 0.63 |
| Insurance | 0.16 | 0.16 | 0.16 | 0.16 | 0.16 | 0.16 | 0.16 |
| Total cost of operations | 3.67 | 3.67 | 3.67 | 3.67 | 3.67 | 3.67 | 3.67 |
| Operating profit (EBITDA) | -3.67 | -3.67 | -3.67 | -3.67 | -3.67 | -3.67 | -3.67 |
| Depreciation | 4.73 | 4.02 | 3.41 | 2.90 | 2.47 | 2.10 | 1.78 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 3.07 | 2.66 | 2.18 | 1.70 | 1.22 | 0.74 | 0.26 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -11.46 | -10.34 | -9.26 | -8.27 | -7.35 | -6.50 | -5.71 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -11.46 | -10.34 | -9.26 | -8.27 | -7.35 | -6.50 | -5.71 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -11.46 | -10.34 | -9.26 | -8.27 | -7.35 | -6.50 | -5.71 |
| Depreciation | 4.73 | 4.02 | 3.41 | 2.90 | 2.47 | 2.10 | 1.78 |
| Cash accruals (PAT + depreciation) | -6.74 | -6.33 | -5.85 | -5.37 | -4.89 | -4.41 | -3.93 |
| Term loan repaid | 2.18 | 4.36 | 4.36 | 4.36 | 4.36 | 4.36 | 4.36 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -8.92 | -10.69 | -10.21 | -9.73 | -9.25 | -8.77 | -8.29 |
| Cash and bank | -8.92 | -19.60 | -29.81 | -39.54 | -48.79 | -57.56 | -65.85 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 3.15 | 3.15 | 3.15 | 3.15 | 3.15 | 3.15 | 3.15 |
| Reserves and surplus | -11.46 | -21.80 | -31.06 | -39.33 | -46.69 | -53.19 | -58.90 |
| Term loan outstanding | 26.17 | 21.81 | 17.45 | 13.08 | 8.72 | 4.36 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 17.86 | 3.15 | -10.47 | -23.10 | -34.81 | -45.68 | -55.75 |
| Net fixed assets | 26.78 | 22.76 | 19.34 | 16.44 | 13.98 | 11.88 | 10.10 |
| 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 | -8.92 | -19.60 | -29.81 | -39.54 | -48.79 | -57.56 | -65.85 |
| Total assets | 17.86 | 3.15 | -10.47 | -23.10 | -34.81 | -45.68 | -55.75 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -0.70 | -0.52 | -0.56 | -0.61 | -0.66 | -0.72 | -0.79 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -0.65 |
|---|---|
| Lowest DSCR | -0.79 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 4.73 | 4.02 | 3.41 | 2.90 | 2.47 | 2.10 | 1.78 |
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 | 28.35 | 3.07 | 2.18 | 26.17 |
| 2 | 26.17 | 2.66 | 4.36 | 21.81 |
| 3 | 21.81 | 2.18 | 4.36 | 17.45 |
| 4 | 17.45 | 1.70 | 4.36 | 13.08 |
| 5 | 13.08 | 1.22 | 4.36 | 8.72 |
| 6 | 8.72 | 0.74 | 4.36 | 4.36 |
| 7 | 4.36 | 0.26 | 4.36 | 0.00 |
17 Licences and registrations
- FSSAI manufacturing licence
- Udyam registration
- GST registration
- State Pollution Control Board consent (wash water)
- Legal Metrology registration for retail packs
- Factory licence
18 Government schemes that may apply
- PM Formalisation of Micro Food Processing Enterprises (PM FME)
- Stand-Up India
- Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)
19 Sources
- SIDBI Stand-Up Mitra project profile — Ginger, Garlic & Onion Pastes — https://www.standupmitra.in/Default/ViewFile/?id=1521221373240_Ginger%2C%20Garlic%20%26%20Onion%20Pastes.docx&path=ProjectProfile
- World Customs Organization – HS Nomenclature 2022, Chapter 20 — https://www.wcoomd.org/-/media/wco/public/global/pdf/topics/nomenclature/instruments-and-tools/hs-nomenclature-2022/2022/0420_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.