Detailed Project Report
Printed Jute Bag Making
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹2.25 L
- Term loan from bank
- ₹1.46 L
- Promoter’s contribution
- ₹0.22 L
- Subsidy
- ₹0.56 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-3.29 L
- Average DSCR
- -10.11
- 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
Screen-print jute fabric and stitch it into shopping and travel bags — a plastic-bag alternative.
| Main product or service | Printed Jute Bag Making |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Shoppers and retail stores
- Companies for gifts and events
- Exporters
- Bulk orders from stores and brands
- Exhibitions and online sales
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Lock stitch machine (× 6) | 1 | 28,200 | 28,200 |
| Wooden printing table (× 2) | 1 | 25,000 | 25,000 |
| Screens of different designs (× 30) | 1 | 10,500 | 10,500 |
| Cottage steamer | 1 | 16,500 | 16,500 |
| Dye paste stirrers (× 4) | 1 | 14,400 | 14,400 |
| Rubber wipers, water drums, tubs, mugs, buckets, clips, stools, tables, scissors, tapes and fittings (× 1 lot) | 1 | 1,19,550 | 1,19,550 |
| Total | 2,14,150 |
Pre-filled from: PMEGP sample project report — Jute bag making (prepared by Udyami/Samadhan); DGFT – ITC(HS) 2022 Schedule (Notification 54 dated 9 Feb 2022). Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Woven jute fabric — ₹10 a metre in the report's list
- Dye stuff, printing gum, chemicals and auxiliaries — dye at ₹550 a kg
- PVC buckles or bamboo sticks — ₹1.50 each
- Sewing thread, labels and packing — bought locally
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 2.14 |
| Contingency | 0.11 |
| Total fixed capital | 2.25 |
| Working capital margin | 0.00 |
| Total project cost | 2.25 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 0.22 | 10.0 |
| Subsidy | 0.56 | 25.0 |
| Term loan from bank | 1.46 | 65.0 |
| Total | 2.25 | 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 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Insurance | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Total cost of operations | 2.94 | 2.94 | 2.94 | 2.94 | 2.94 | 2.94 | 2.94 |
| Operating profit (EBITDA) | -2.94 | -2.94 | -2.94 | -2.94 | -2.94 | -2.94 | -2.94 |
| Depreciation | 0.34 | 0.29 | 0.24 | 0.21 | 0.18 | 0.15 | 0.13 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 0.16 | 0.14 | 0.11 | 0.09 | 0.06 | 0.04 | 0.01 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -3.43 | -3.36 | -3.29 | -3.23 | -3.18 | -3.12 | -3.08 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -3.43 | -3.36 | -3.29 | -3.23 | -3.18 | -3.12 | -3.08 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -3.43 | -3.36 | -3.29 | -3.23 | -3.18 | -3.12 | -3.08 |
| Depreciation | 0.34 | 0.29 | 0.24 | 0.21 | 0.18 | 0.15 | 0.13 |
| Cash accruals (PAT + depreciation) | -3.09 | -3.07 | -3.05 | -3.02 | -3.00 | -2.97 | -2.95 |
| Term loan repaid | 0.11 | 0.22 | 0.22 | 0.22 | 0.22 | 0.22 | 0.22 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -3.21 | -3.30 | -3.27 | -3.25 | -3.22 | -3.20 | -3.17 |
| Cash and bank | -3.21 | -6.50 | -9.78 | -13.03 | -16.25 | -19.45 | -22.62 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 0.79 | 0.79 | 0.79 | 0.79 | 0.79 | 0.79 | 0.79 |
| Reserves and surplus | -3.43 | -6.79 | -10.08 | -13.31 | -16.49 | -19.61 | -22.69 |
| Term loan outstanding | 1.35 | 1.12 | 0.90 | 0.67 | 0.45 | 0.22 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | -1.30 | -4.88 | -8.40 | -11.85 | -15.25 | -18.60 | -21.90 |
| Net fixed assets | 1.91 | 1.62 | 1.38 | 1.17 | 1.00 | 0.85 | 0.72 |
| 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 | -3.21 | -6.50 | -9.78 | -13.03 | -16.25 | -19.45 | -22.62 |
| Total assets | -1.30 | -4.88 | -8.40 | -11.85 | -15.25 | -18.60 | -21.90 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -10.85 | -8.11 | -8.71 | -9.40 | -10.20 | -11.16 | -12.32 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -10.11 |
|---|---|
| Lowest DSCR | -12.32 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 0.34 | 0.29 | 0.24 | 0.21 | 0.18 | 0.15 | 0.13 |
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 | 1.46 | 0.16 | 0.11 | 1.35 |
| 2 | 1.35 | 0.14 | 0.22 | 1.12 |
| 3 | 1.12 | 0.11 | 0.22 | 0.90 |
| 4 | 0.90 | 0.09 | 0.22 | 0.67 |
| 5 | 0.67 | 0.06 | 0.22 | 0.45 |
| 6 | 0.45 | 0.04 | 0.22 | 0.22 |
| 7 | 0.22 | 0.01 | 0.22 | 0.00 |
17 Licences and registrations
- Udyam registration
- GST registration
- Trademark for your brand name (optional)
18 Government schemes that may apply
- 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
- PMEGP sample project report — Jute bag making (prepared by Udyami/Samadhan) — https://pmegp.msme.gov.in/Home/DownloadDocument?fileName=Documents/ProjectSampleReport/Jute_bag_making_%28_Samadhan_Projects_%29.pdf
- DGFT – ITC(HS) 2022 Schedule (Notification 54 dated 9 Feb 2022) — https://content.dgft.gov.in/Website/dgftprod/7d5fd1eb-ad39-4c99-b760-014223657469/Eng-Notification%2054%20dated%209%20Feb%202022%20ITC(HS)%202022%20_with%20Annexures.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.