Detailed Project Report
Heritage Restaurant
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹16.80 L
- Term loan from bank
- ₹15.12 L
- Promoter’s contribution
- ₹1.68 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-6.28 L
- Average DSCR
- -1.10
- 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
A 50-seat restaurant in a leased old haveli, palace wing or bungalow, serving regional food with a sense of history.
| Main product or service | Heritage Restaurant |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Well-off local families
- Corporate customers and MICE groups
- Domestic and foreign tourists
- Event teams (fashion shows, film shoots, festivals)
- Walk-in and table booking
- Corporate and tour-operator tie-ups
- Online reviews and listings
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Kitchen equipment and implements: gas bank, steam cookers, tandoors, preparation equipment, warmers, bain-maries, grills, refrigerators and freezers, sinks, exhaust (× set) | 1 | 5,00,000 | 5,00,000 |
| Air-conditioning, water heating, water treatment, garbage disposal and fire-safety equipment (× set) | 1 | 8,00,000 | 8,00,000 |
| Cutlery, crockery and linen (× set) | 1 | 3,00,000 | 3,00,000 |
| Housekeeping equipment: vacuum cleaners, water-tank cleaning equipment, janitor carts (× set) | 1 | 0 | 0 |
| Total | 16,00,000 |
Pre-filled from: SIDBI Stand-Up Mitra project profile — Heritage Restaurant. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Food and beverage ingredients — about one third of sales — ₹72.33 L in year 2
- Consumables such as soap and tissue — ₹1.00 L a year
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 16.00 |
| Contingency | 0.80 |
| Total fixed capital | 16.80 |
| Working capital margin | 0.00 |
| Total project cost | 16.80 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 1.68 | 10.0 |
| Term loan from bank | 15.12 | 90.0 |
| Total | 16.80 | 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 | 0.34 | 0.34 | 0.34 | 0.34 | 0.34 | 0.34 | 0.34 |
| Insurance | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 |
| Total cost of operations | 3.30 | 3.30 | 3.30 | 3.30 | 3.30 | 3.30 | 3.30 |
| Operating profit (EBITDA) | -3.30 | -3.30 | -3.30 | -3.30 | -3.30 | -3.30 | -3.30 |
| Depreciation | 2.52 | 2.14 | 1.82 | 1.55 | 1.32 | 1.12 | 0.95 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 1.64 | 1.42 | 1.16 | 0.91 | 0.65 | 0.39 | 0.14 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -7.46 | -6.86 | -6.28 | -5.75 | -5.27 | -4.81 | -4.39 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -7.46 | -6.86 | -6.28 | -5.75 | -5.27 | -4.81 | -4.39 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -7.46 | -6.86 | -6.28 | -5.75 | -5.27 | -4.81 | -4.39 |
| Depreciation | 2.52 | 2.14 | 1.82 | 1.55 | 1.32 | 1.12 | 0.95 |
| Cash accruals (PAT + depreciation) | -4.94 | -4.72 | -4.46 | -4.21 | -3.95 | -3.69 | -3.44 |
| Term loan repaid | 1.16 | 2.33 | 2.33 | 2.33 | 2.33 | 2.33 | 2.33 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -6.10 | -7.04 | -6.79 | -6.53 | -6.28 | -6.02 | -5.76 |
| Cash and bank | -6.10 | -13.14 | -19.93 | -26.46 | -32.74 | -38.76 | -44.53 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 1.68 | 1.68 | 1.68 | 1.68 | 1.68 | 1.68 | 1.68 |
| Reserves and surplus | -7.46 | -14.32 | -20.60 | -26.35 | -31.62 | -36.43 | -40.82 |
| Term loan outstanding | 13.96 | 11.63 | 9.30 | 6.98 | 4.65 | 2.33 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 8.18 | -1.01 | -9.61 | -17.69 | -25.29 | -32.43 | -39.14 |
| Net fixed assets | 14.28 | 12.14 | 10.32 | 8.77 | 7.45 | 6.34 | 5.39 |
| 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 | -6.10 | -13.14 | -19.93 | -26.46 | -32.74 | -38.76 | -44.53 |
| Total assets | 8.18 | -1.01 | -9.61 | -17.69 | -25.29 | -32.43 | -39.14 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -1.18 | -0.88 | -0.95 | -1.02 | -1.11 | -1.21 | -1.34 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -1.10 |
|---|---|
| Lowest DSCR | -1.34 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 2.52 | 2.14 | 1.82 | 1.55 | 1.32 | 1.12 | 0.95 |
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 | 15.12 | 1.64 | 1.16 | 13.96 |
| 2 | 13.96 | 1.42 | 2.33 | 11.63 |
| 3 | 11.63 | 1.16 | 2.33 | 9.30 |
| 4 | 9.30 | 0.91 | 2.33 | 6.98 |
| 5 | 6.98 | 0.65 | 2.33 | 4.65 |
| 6 | 4.65 | 0.39 | 2.33 | 2.33 |
| 7 | 2.33 | 0.14 | 2.33 | 0.00 |
17 Licences and registrations
- FSSAI licence
- Health or trade licence from the local body
- Eating house licence from the police
- Fire safety licence
- Garbage disposal licence from the local body
- Shops and establishments registration and GST
- Bar licence from the excise department if you serve alcohol
18 Government schemes that may apply
- Stand-Up India
- Pradhan Mantri MUDRA Yojana (PMMY) – Shishu, Kishor, Tarun, Tarun Plus
- Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)
19 Sources
- SIDBI Stand-Up Mitra project profile — Heritage Restaurant — https://www.standupmitra.in/Default/ViewFile/?id=1516113623173_Heritage%20Restaurant.docx&path=ProjectProfile
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.