Detailed Project Report
Moringa Seed Oil (Ben Oil)
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹8.25 L
- Term loan from bank
- ₹5.36 L
- Promoter’s contribution
- ₹0.83 L
- Subsidy
- ₹2.06 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-4.39 L
- Average DSCR
- -2.89
- 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 dried drumstick (moringa) seeds, pressing out the oil, clarifying it and bottling it for cosmetic and food buyers.
| Main product or service | Moringa Seed Oil (Ben Oil) |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Cosmetic, soap and hair-oil makers
- Ayurvedic and wellness brands
- Exporters of natural oils
- Bulk supply on contract to manufacturers
- Own brand in small bottles sold online
- Trade fairs and export buyers
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Hammer mill (100 kg/h) | 1 | 1,40,000 | 1,40,000 |
| Malaxator | 1 | 1,00,000 | 1,00,000 |
| Oil expeller (100 kg/h) | 1 | 1,50,000 | 1,50,000 |
| Vertical centrifuge machine (100 L) | 1 | 80,000 | 80,000 |
| Oil settling tank (150 L) | 1 | 30,000 | 30,000 |
| Oil storage tank with heater (500 L) | 1 | 1,20,000 | 1,20,000 |
| Load-cell based oil filling machine | 1 | 80,000 | 80,000 |
| Induction sealer | 1 | 30,000 | 30,000 |
| Weighing balance (10 kg) | 1 | 6,000 | 6,000 |
| Accessories | 1 | 50,000 | 50,000 |
| Total | 7,86,000 |
Pre-filled from: NIFTEM-Thanjavur (IIFPT) PMFME model DPR — Moringa Seed Oil. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Dried moringa (drumstick) seeds — ₹300 a kg in the DPR; 3.15 kg of seed for 1 kg of oil
- Bottles, caps and cartons — packaging ₹2.48 L in year 2 in the DPR
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 7.86 |
| Contingency | 0.39 |
| Total fixed capital | 8.25 |
| Working capital margin | 0.00 |
| Total project cost | 8.25 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 0.83 | 10.0 |
| Subsidy | 2.06 | 25.0 |
| Term loan from bank | 5.36 | 65.0 |
| Total | 8.25 | 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 | 0.17 | 0.17 | 0.17 | 0.17 | 0.17 | 0.17 | 0.17 |
| Insurance | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Total cost of operations | 3.09 | 3.09 | 3.09 | 3.09 | 3.09 | 3.09 | 3.09 |
| Operating profit (EBITDA) | -3.09 | -3.09 | -3.09 | -3.09 | -3.09 | -3.09 | -3.09 |
| Depreciation | 1.24 | 1.05 | 0.89 | 0.76 | 0.65 | 0.55 | 0.47 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 0.58 | 0.50 | 0.41 | 0.32 | 0.23 | 0.14 | 0.05 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -4.90 | -4.64 | -4.39 | -4.17 | -3.96 | -3.78 | -3.60 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -4.90 | -4.64 | -4.39 | -4.17 | -3.96 | -3.78 | -3.60 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -4.90 | -4.64 | -4.39 | -4.17 | -3.96 | -3.78 | -3.60 |
| Depreciation | 1.24 | 1.05 | 0.89 | 0.76 | 0.65 | 0.55 | 0.47 |
| Cash accruals (PAT + depreciation) | -3.67 | -3.59 | -3.50 | -3.41 | -3.32 | -3.23 | -3.14 |
| Term loan repaid | 0.41 | 0.83 | 0.83 | 0.83 | 0.83 | 0.83 | 0.83 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -4.08 | -4.41 | -4.32 | -4.23 | -4.14 | -4.05 | -3.96 |
| Cash and bank | -4.08 | -8.49 | -12.82 | -17.05 | -21.19 | -25.25 | -29.21 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 2.89 | 2.89 | 2.89 | 2.89 | 2.89 | 2.89 | 2.89 |
| Reserves and surplus | -4.90 | -9.55 | -13.94 | -18.11 | -22.07 | -25.85 | -29.45 |
| Term loan outstanding | 4.95 | 4.13 | 3.30 | 2.48 | 1.65 | 0.83 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 2.94 | -2.53 | -7.75 | -12.74 | -17.53 | -22.13 | -26.56 |
| Net fixed assets | 7.02 | 5.96 | 5.07 | 4.31 | 3.66 | 3.11 | 2.65 |
| 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 | -4.08 | -8.49 | -12.82 | -17.05 | -21.19 | -25.25 | -29.21 |
| Total assets | 2.94 | -2.53 | -7.75 | -12.74 | -17.53 | -22.13 | -26.56 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -3.11 | -2.32 | -2.49 | -2.69 | -2.92 | -3.20 | -3.53 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -2.89 |
|---|---|
| Lowest DSCR | -3.53 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 1.24 | 1.05 | 0.89 | 0.76 | 0.65 | 0.55 | 0.47 |
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 | 5.36 | 0.58 | 0.41 | 4.95 |
| 2 | 4.95 | 0.50 | 0.83 | 4.13 |
| 3 | 4.13 | 0.41 | 0.83 | 3.30 |
| 4 | 3.30 | 0.32 | 0.83 | 2.48 |
| 5 | 2.48 | 0.23 | 0.83 | 1.65 |
| 6 | 1.65 | 0.14 | 0.83 | 0.83 |
| 7 | 0.83 | 0.05 | 0.83 | 0.00 |
17 Licences and registrations
- Udyam registration
- GST registration
- FSSAI licence or registration
- Trade licence or factory permission from the local body
- Legal Metrology registration for packaged goods
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 — Moringa Seed Oil — https://niftem-t.ac.in/pmfme/dpr-morsdoil.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.