Detailed Project Report
Bleaching and Dyeing of Cotton Knitted Fabric (Job Work)
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹33.13 L
- Term loan from bank
- ₹21.53 L
- Promoter’s contribution
- ₹3.31 L
- Subsidy
- ₹8.28 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-8.95 L
- Average DSCR
- -0.87
- 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
Bleach and dye grey cotton knitted fabric for hosiery makers who have no processing house of their own, and charge per kg.
| Main product or service | Bleaching and Dyeing of Cotton Knitted Fabric (Job Work) |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Knitting units without their own processing
- Hosiery garment makers
- Fabric traders
- Job work collected from knitting units
- Regular contracts with garment exporters
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Stainless steel winch machine, 200 kg | 1 | 1,05,000 | 1,05,000 |
| Stainless steel winch machines, 150 kg (× 3) | 1 | 3,00,000 | 3,00,000 |
| MS kiers (× 2) | 1 | 1,40,000 | 1,40,000 |
| Four-cylinder drier with motor and gear box | 1 | 2,30,000 | 2,30,000 |
| Hydro-extractors, 40–45 kg (× 2) | 1 | 1,40,000 | 1,40,000 |
| Steam calendering machine | 1 | 70,000 | 70,000 |
| Baby boiler | 1 | 1,20,000 | 1,20,000 |
| Water softening plant, 6 kl an hour | 1 | 75,000 | 75,000 |
| Effluent treatment plant | 1 | 50,000 | 50,000 |
| Deep tube well with submersible pump | 1 | 1,25,000 | 1,25,000 |
| Computer colour matching equipment (optional) | 1 | 18,00,000 | 18,00,000 |
| Total | 31,55,000 |
Pre-filled from: DC-MSME project profile — Bleaching and Dyeing of Cotton Knitted Fabric. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Dyes of different shades — ₹80,000 a month in the profile
- Soda ash — 1,750 kg a month at ₹14 a kg in the profile
- Hydrochloric acid — 2,400 kg a month at ₹6 a kg in the profile
- Bleaching powder — 1,000 kg a month at ₹13 a kg in the profile
- Caustic soda, wetting agent, optical whitener, dye-fixing agent, salts and acids
- Coal or furnace oil for the boiler — ₹20,000 a month in the profile
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 31.55 |
| Contingency | 1.58 |
| Total fixed capital | 33.13 |
| Working capital margin | 0.00 |
| Total project cost | 33.13 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 3.31 | 10.0 |
| Subsidy | 8.28 | 25.0 |
| Term loan from bank | 21.53 | 65.0 |
| Total | 33.13 | 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 | 0.66 | 0.66 | 0.66 | 0.66 | 0.66 | 0.66 | 0.66 |
| Insurance | 0.17 | 0.17 | 0.17 | 0.17 | 0.17 | 0.17 | 0.17 |
| Total cost of operations | 3.71 | 3.71 | 3.71 | 3.71 | 3.71 | 3.71 | 3.71 |
| Operating profit (EBITDA) | -3.71 | -3.71 | -3.71 | -3.71 | -3.71 | -3.71 | -3.71 |
| Depreciation | 4.97 | 4.22 | 3.59 | 3.05 | 2.59 | 2.20 | 1.87 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 2.33 | 2.02 | 1.65 | 1.29 | 0.93 | 0.56 | 0.20 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -11.01 | -9.95 | -8.95 | -8.05 | -7.23 | -6.47 | -5.78 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -11.01 | -9.95 | -8.95 | -8.05 | -7.23 | -6.47 | -5.78 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -11.01 | -9.95 | -8.95 | -8.05 | -7.23 | -6.47 | -5.78 |
| Depreciation | 4.97 | 4.22 | 3.59 | 3.05 | 2.59 | 2.20 | 1.87 |
| Cash accruals (PAT + depreciation) | -6.04 | -5.73 | -5.36 | -5.00 | -4.63 | -4.27 | -3.91 |
| Term loan repaid | 1.66 | 3.31 | 3.31 | 3.31 | 3.31 | 3.31 | 3.31 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -7.70 | -9.04 | -8.68 | -8.31 | -7.95 | -7.58 | -7.22 |
| Cash and bank | -7.70 | -16.74 | -25.41 | -33.72 | -41.67 | -49.25 | -56.47 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 11.59 | 11.59 | 11.59 | 11.59 | 11.59 | 11.59 | 11.59 |
| Reserves and surplus | -11.01 | -20.96 | -29.91 | -37.96 | -45.19 | -51.67 | -57.45 |
| Term loan outstanding | 19.88 | 16.56 | 13.25 | 9.94 | 6.63 | 3.31 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 20.46 | 7.20 | -5.07 | -16.43 | -26.97 | -36.76 | -45.85 |
| Net fixed assets | 28.16 | 23.93 | 20.34 | 17.29 | 14.70 | 12.49 | 10.62 |
| 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 | -7.70 | -16.74 | -25.41 | -33.72 | -41.67 | -49.25 | -56.47 |
| Total assets | 20.46 | 7.20 | -5.07 | -16.43 | -26.97 | -36.76 | -45.85 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -0.93 | -0.70 | -0.75 | -0.81 | -0.87 | -0.96 | -1.06 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -0.87 |
|---|---|
| Lowest DSCR | -1.06 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 4.97 | 4.22 | 3.59 | 3.05 | 2.59 | 2.20 | 1.87 |
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 | 21.53 | 2.33 | 1.66 | 19.88 |
| 2 | 19.88 | 2.02 | 3.31 | 16.56 |
| 3 | 16.56 | 1.65 | 3.31 | 13.25 |
| 4 | 13.25 | 1.29 | 3.31 | 9.94 |
| 5 | 9.94 | 0.93 | 3.31 | 6.63 |
| 6 | 6.63 | 0.56 | 3.31 | 3.31 |
| 7 | 3.31 | 0.20 | 3.31 | 0.00 |
17 Licences and registrations
- Udyam registration
- GST
- State Pollution Control Board consent to establish and operate (dyeing effluent)
- Groundwater permission if you draw from a tube well, where the state requires it
- Boiler registration under the Boilers Act if your boiler is covered
- Factory licence under the Factories Act
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)
- Stand-Up India
19 Sources
- DC-MSME project profile — Bleaching and Dyeing of Cotton Knitted Fabric — https://www.dcmsme.gov.in/publications/pmryprof/hosiery/ch3.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.