Detailed Project Report
Organic Turmeric Paste Trading and Packing
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹10.50 L
- Term loan from bank
- ₹9.45 L
- Promoter’s contribution
- ₹1.05 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-5.01 L
- Average DSCR
- -1.67
- 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
Buy certified organic turmeric paste from hill farmer groups, test, pack and brand it, and sell to stores, spas and online buyers.
| Main product or service | Organic Turmeric Paste Trading and Packing |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Organic food and wellness stores
- Ayurvedic spas and wellness centres
- Food processors and herbal cosmetic makers
- Health resorts and cafés in Rishikesh, Mussoorie and Nainital
- Online shoppers
- Retailers and wholesalers
- Amazon, Flipkart and organic marketplaces
- Own website with subscriptions
- White-label and custom-label supply
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Cold storage units (× 2) | 1 | 0 | 0 |
| Automatic sealing and labelling machine (× 2) | 1 | 0 | 0 |
| Weighing and filling machines (× 2) | 1 | 0 | 0 |
| Barcode printer and scanner (× 2) | 1 | 0 | 0 |
| Carton strapping machine | 1 | 0 | 0 |
| Cold storage and packaging equipment (total) | 1 | 10,00,000 | 10,00,000 |
| Total | 10,00,000 |
Pre-filled from: Uttarakhand DUY project profile — Organic Turmeric Paste Trading Unit in Uttarakhand. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Organic turmeric paste — from certified farmer groups, cooperatives or local processors in Uttarakhand
- Glass jars, food-grade pouches, labels, cartons, tamper-proof seals — packing material
- Organic coconut oil or honey — only if used as a natural stabiliser
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 10.00 |
| Contingency | 0.50 |
| Total fixed capital | 10.50 |
| Working capital margin | 0.00 |
| Total project cost | 10.50 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 1.05 | 10.0 |
| Term loan from bank | 9.45 | 90.0 |
| Total | 10.50 | 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 | 0.21 | 0.21 | 0.21 | 0.21 | 0.21 | 0.21 | 0.21 |
| Insurance | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 |
| Total cost of operations | 3.14 | 3.14 | 3.14 | 3.14 | 3.14 | 3.14 | 3.14 |
| Operating profit (EBITDA) | -3.14 | -3.14 | -3.14 | -3.14 | -3.14 | -3.14 | -3.14 |
| Depreciation | 1.58 | 1.34 | 1.14 | 0.97 | 0.82 | 0.70 | 0.59 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 1.02 | 0.89 | 0.73 | 0.57 | 0.41 | 0.25 | 0.09 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -5.74 | -5.37 | -5.01 | -4.68 | -4.37 | -4.09 | -3.82 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -5.74 | -5.37 | -5.01 | -4.68 | -4.37 | -4.09 | -3.82 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -5.74 | -5.37 | -5.01 | -4.68 | -4.37 | -4.09 | -3.82 |
| Depreciation | 1.58 | 1.34 | 1.14 | 0.97 | 0.82 | 0.70 | 0.59 |
| Cash accruals (PAT + depreciation) | -4.17 | -4.03 | -3.87 | -3.71 | -3.55 | -3.39 | -3.23 |
| Term loan repaid | 0.73 | 1.45 | 1.45 | 1.45 | 1.45 | 1.45 | 1.45 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -4.89 | -5.48 | -5.32 | -5.16 | -5.00 | -4.84 | -4.68 |
| Cash and bank | -4.89 | -10.37 | -15.70 | -20.86 | -25.86 | -30.71 | -35.39 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 1.05 | 1.05 | 1.05 | 1.05 | 1.05 | 1.05 | 1.05 |
| Reserves and surplus | -5.74 | -11.11 | -16.11 | -20.79 | -25.16 | -29.25 | -33.07 |
| Term loan outstanding | 8.72 | 7.27 | 5.82 | 4.36 | 2.91 | 1.45 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 4.03 | -2.79 | -9.25 | -15.38 | -21.20 | -26.75 | -32.02 |
| Net fixed assets | 8.93 | 7.59 | 6.45 | 5.48 | 4.66 | 3.96 | 3.37 |
| 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 | -4.89 | -10.37 | -15.70 | -20.86 | -25.86 | -30.71 | -35.39 |
| Total assets | 4.03 | -2.79 | -9.25 | -15.38 | -21.20 | -26.75 | -32.02 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -1.80 | -1.34 | -1.44 | -1.56 | -1.69 | -1.85 | -2.04 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -1.67 |
|---|---|
| Lowest DSCR | -2.04 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 1.58 | 1.34 | 1.14 | 0.97 | 0.82 | 0.70 | 0.59 |
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 | 9.45 | 1.02 | 0.73 | 8.72 |
| 2 | 8.72 | 0.89 | 1.45 | 7.27 |
| 3 | 7.27 | 0.73 | 1.45 | 5.82 |
| 4 | 5.82 | 0.57 | 1.45 | 4.36 |
| 5 | 4.36 | 0.41 | 1.45 | 2.91 |
| 6 | 2.91 | 0.25 | 1.45 | 1.45 |
| 7 | 1.45 | 0.09 | 1.45 | 0.00 |
17 Licences and registrations
- FSSAI licence or registration (as repacker/trader)
- Udyam
- GST
- Organic certification (NPOP / PGS-India) for the organic claim
- Legal Metrology packaged-commodity registration
- Trade licence
18 Government schemes that may apply
- 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
- Uttarakhand DUY project profile — Organic Turmeric Paste Trading Unit in Uttarakhand — https://duy-heduk.org/downloads/project-profiles/1.%20Organic%20Turmeric%20Paste%20Trading%20Unit%20in%20Uttarakhand.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.