Detailed Project Report
Jaggery Powder (Granular Gur) Unit
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹22.58 L
- Term loan from bank
- ₹14.67 L
- Promoter’s contribution
- ₹2.26 L
- Subsidy
- ₹5.64 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-7.02 L
- Average DSCR
- -1.18
- 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
Crushing sugarcane, boiling the filtered juice and turning it into dry, free-flowing jaggery powder in pouches.
| Main product or service | Jaggery Powder (Granular Gur) Unit |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Households
- Sweet makers, bakeries and tea stalls
- Ayurvedic and health-food brands
- Kirana shops and supermarkets
- Wholesalers and distributors
- Online and organic stores
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Cane crusher (1.5 tonnes/hr, 10 HP) | 1 | 1,50,000 | 1,50,000 |
| Collecting tank (1,000 litre) (× 4) | 1 | 1,00,000 | 1,00,000 |
| Filtration system with pump (500 litres/hr) | 1 | 50,000 | 50,000 |
| Steam-jacketed tank (1,000 litre) (× 2) | 1 | 1,50,000 | 1,50,000 |
| Double-effect evaporator | 1 | 6,00,000 | 6,00,000 |
| Concentrator pan with churner (× 2) | 1 | 1,00,000 | 1,00,000 |
| Jaggery granulator (2 HP) | 1 | 3,00,000 | 3,00,000 |
| Tray dryer (100 kg, 8 HP) | 1 | 2,00,000 | 2,00,000 |
| Form-fill-seal machine (100 kg/hr) | 1 | 2,00,000 | 2,00,000 |
| Boiler | 1 | 3,00,000 | 3,00,000 |
| Total | 21,50,000 |
Pre-filled from: NIFTEM-Thanjavur (IIFPT) PMFME model DPR — Jaggery Powder. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Sugarcane — 2.8 tonnes a day at 70% capacity, ₹3 a kg; crush soon after cutting
- Pouches and packing material — ₹10 a unit in the report
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 21.50 |
| Contingency | 1.08 |
| Total fixed capital | 22.58 |
| Working capital margin | 0.00 |
| Total project cost | 22.58 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 2.26 | 10.0 |
| Subsidy | 5.64 | 25.0 |
| Term loan from bank | 14.67 | 65.0 |
| Total | 22.58 | 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 | 0.45 | 0.45 | 0.45 | 0.45 | 0.45 | 0.45 | 0.45 |
| Insurance | 0.11 | 0.11 | 0.11 | 0.11 | 0.11 | 0.11 | 0.11 |
| Total cost of operations | 3.44 | 3.44 | 3.44 | 3.44 | 3.44 | 3.44 | 3.44 |
| Operating profit (EBITDA) | -3.44 | -3.44 | -3.44 | -3.44 | -3.44 | -3.44 | -3.44 |
| Depreciation | 3.39 | 2.88 | 2.45 | 2.08 | 1.77 | 1.50 | 1.28 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 1.59 | 1.38 | 1.13 | 0.88 | 0.63 | 0.38 | 0.13 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -8.42 | -7.70 | -7.02 | -6.40 | -5.84 | -5.33 | -4.86 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -8.42 | -7.70 | -7.02 | -6.40 | -5.84 | -5.33 | -4.86 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -8.42 | -7.70 | -7.02 | -6.40 | -5.84 | -5.33 | -4.86 |
| Depreciation | 3.39 | 2.88 | 2.45 | 2.08 | 1.77 | 1.50 | 1.28 |
| Cash accruals (PAT + depreciation) | -5.03 | -4.82 | -4.57 | -4.32 | -4.08 | -3.83 | -3.58 |
| Term loan repaid | 1.13 | 2.26 | 2.26 | 2.26 | 2.26 | 2.26 | 2.26 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -6.16 | -7.08 | -6.83 | -6.58 | -6.33 | -6.08 | -5.84 |
| Cash and bank | -6.16 | -13.24 | -20.07 | -26.65 | -32.98 | -39.07 | -44.90 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 7.90 | 7.90 | 7.90 | 7.90 | 7.90 | 7.90 | 7.90 |
| Reserves and surplus | -8.42 | -16.12 | -23.14 | -29.54 | -35.38 | -40.71 | -45.57 |
| Term loan outstanding | 13.55 | 11.29 | 9.03 | 6.77 | 4.52 | 2.26 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 13.03 | 3.07 | -6.21 | -14.87 | -22.97 | -30.55 | -37.67 |
| Net fixed assets | 19.19 | 16.31 | 13.86 | 11.78 | 10.02 | 8.51 | 7.24 |
| 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 | -6.16 | -13.24 | -20.07 | -26.65 | -32.98 | -39.07 | -44.90 |
| Total assets | 13.03 | 3.07 | -6.21 | -14.87 | -22.97 | -30.55 | -37.67 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -1.27 | -0.95 | -1.02 | -1.10 | -1.19 | -1.30 | -1.44 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -1.18 |
|---|---|
| Lowest DSCR | -1.44 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 3.39 | 2.88 | 2.45 | 2.08 | 1.77 | 1.50 | 1.28 |
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 | 14.67 | 1.59 | 1.13 | 13.55 |
| 2 | 13.55 | 1.38 | 2.26 | 11.29 |
| 3 | 11.29 | 1.13 | 2.26 | 9.03 |
| 4 | 9.03 | 0.88 | 2.26 | 6.77 |
| 5 | 6.77 | 0.63 | 2.26 | 4.52 |
| 6 | 4.52 | 0.38 | 2.26 | 2.26 |
| 7 | 2.26 | 0.13 | 2.26 | 0.00 |
17 Licences and registrations
- Udyam registration
- GST registration
- FSSAI licence
- Boiler registration where the boiler size needs it
- Consent from the State Pollution Control Board
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 — Jaggery Powder — https://niftem-t.ac.in/pmfme/DPR-Jaggery.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.