Detailed Project Report
Printing Ink
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹14.07 L
- Term loan from bank
- ₹9.15 L
- Promoter’s contribution
- ₹1.41 L
- Subsidy
- ₹3.52 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-5.46 L
- Average DSCR
- -1.78
- 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
Grind pigments into varnish to make printing ink for offset, flexo and packaging printers.
| Main product or service | Printing Ink |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Package printers
- Newspapers and publishers
- Commercial and promotional printers
- Direct supply to printing presses
- Ink dealers
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Ball mill | 1 | 2,50,000 | 2,50,000 |
| Triple roll mill | 1 | 5,00,000 | 5,00,000 |
| Varnish kettle | 1 | 1,90,000 | 1,90,000 |
| Planetary mixer | 1 | 1,80,000 | 1,80,000 |
| Pot mill | 1 | 70,000 | 70,000 |
| Laboratory and other equipment (× 1 lot) | 1 | 1,50,000 | 1,50,000 |
| Total | 13,40,000 |
Pre-filled from: PMEGP sample project report — Printer Ink (prepared by Udyami/Samadhan); World Customs Organization – HS Nomenclature 2022, Chapter 32. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Pigments (carbon black for black ink, titanium dioxide for white) — raw material totals ₹36.00 L in year 1
- Binders — varnish and resin — carry the pigment and bind it to paper
- Extenders, opacifiers and plasticizers
- Carriers — petroleum oil, soybean oil or water — water for flexographic inks
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 13.40 |
| Contingency | 0.67 |
| Total fixed capital | 14.07 |
| Working capital margin | 0.00 |
| Total project cost | 14.07 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 1.41 | 10.0 |
| Subsidy | 3.52 | 25.0 |
| Term loan from bank | 9.15 | 65.0 |
| Total | 14.07 | 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 | 0.28 | 0.28 | 0.28 | 0.28 | 0.28 | 0.28 | 0.28 |
| Insurance | 0.07 | 0.07 | 0.07 | 0.07 | 0.07 | 0.07 | 0.07 |
| Total cost of operations | 3.23 | 3.23 | 3.23 | 3.23 | 3.23 | 3.23 | 3.23 |
| Operating profit (EBITDA) | -3.23 | -3.23 | -3.23 | -3.23 | -3.23 | -3.23 | -3.23 |
| Depreciation | 2.11 | 1.79 | 1.52 | 1.30 | 1.10 | 0.94 | 0.80 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 0.99 | 0.86 | 0.70 | 0.55 | 0.39 | 0.24 | 0.08 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -6.33 | -5.88 | -5.46 | -5.08 | -4.73 | -4.41 | -4.11 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -6.33 | -5.88 | -5.46 | -5.08 | -4.73 | -4.41 | -4.11 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -6.33 | -5.88 | -5.46 | -5.08 | -4.73 | -4.41 | -4.11 |
| Depreciation | 2.11 | 1.79 | 1.52 | 1.30 | 1.10 | 0.94 | 0.80 |
| Cash accruals (PAT + depreciation) | -4.22 | -4.09 | -3.93 | -3.78 | -3.63 | -3.47 | -3.32 |
| Term loan repaid | 0.70 | 1.41 | 1.41 | 1.41 | 1.41 | 1.41 | 1.41 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -4.93 | -5.50 | -5.34 | -5.19 | -5.03 | -4.88 | -4.72 |
| Cash and bank | -4.93 | -10.42 | -15.76 | -20.95 | -25.98 | -30.86 | -35.58 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 4.92 | 4.92 | 4.92 | 4.92 | 4.92 | 4.92 | 4.92 |
| Reserves and surplus | -6.33 | -12.22 | -17.67 | -22.75 | -27.48 | -31.88 | -36.00 |
| Term loan outstanding | 8.44 | 7.04 | 5.63 | 4.22 | 2.81 | 1.41 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 7.03 | -0.26 | -7.12 | -13.61 | -19.74 | -25.55 | -31.07 |
| Net fixed assets | 11.96 | 10.17 | 8.64 | 7.34 | 6.24 | 5.31 | 4.51 |
| 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 | -4.93 | -10.42 | -15.76 | -20.95 | -25.98 | -30.86 | -35.58 |
| Total assets | 7.03 | -0.26 | -7.12 | -13.61 | -19.74 | -25.55 | -31.07 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -1.91 | -1.43 | -1.53 | -1.65 | -1.80 | -1.96 | -2.17 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -1.78 |
|---|---|
| Lowest DSCR | -2.17 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 2.11 | 1.79 | 1.52 | 1.30 | 1.10 | 0.94 | 0.80 |
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 | 9.15 | 0.99 | 0.70 | 8.44 |
| 2 | 8.44 | 0.86 | 1.41 | 7.04 |
| 3 | 7.04 | 0.70 | 1.41 | 5.63 |
| 4 | 5.63 | 0.55 | 1.41 | 4.22 |
| 5 | 4.22 | 0.39 | 1.41 | 2.81 |
| 6 | 2.81 | 0.24 | 1.41 | 1.41 |
| 7 | 1.41 | 0.08 | 1.41 | 0.00 |
17 Licences and registrations
- Udyam registration
- GST
- Pollution control board consent
- Fire NOC (solvent storage)
- Factory licence where applicable
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
- PMEGP sample project report — Printer Ink (prepared by Udyami/Samadhan) — https://pmegp.msme.gov.in/Home/DownloadDocument?fileName=Documents/ProjectSampleReport/Printer_Ink_%28_Samadhan_Projects_%29.pdf
- World Customs Organization – HS Nomenclature 2022, Chapter 32 — https://www.wcoomd.org/-/media/wco/public/global/pdf/topics/nomenclature/instruments-and-tools/hs-nomenclature-2022/2022/0632_2022e.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.