Detailed Project Report
Ready-to-Eat Foods (Vegetable Curries, Sweets, Rice Dishes)
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹32.59 L
- Term loan from bank
- ₹29.33 L
- Promoter’s contribution
- ₹3.26 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-9.48 L
- Average DSCR
- -0.63
- 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
Cook and seal Indian vegetable curries, sweets and rice dishes in pouches or trays that only need heating.
| Main product or service | Ready-to-Eat Foods (Vegetable Curries, Sweets, Rice Dishes) |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Supermarkets and grocery stores
- Railway, airline and travel caterers
- Hostels, offices and working people in cities
- Exporters and overseas Indian stores
- Distributors and modern retail
- Online grocery
- Export
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Blanchers (× 3) | 1 | 7,50,000 | 7,50,000 |
| Pulverisers (× 3) | 1 | 6,00,000 | 6,00,000 |
| Automatic slicers (× 2) | 1 | 2,10,000 | 2,10,000 |
| Peeling machines (× 2) | 1 | 2,64,000 | 2,64,000 |
| Steam-jacketed SS vessels (× 5) | 1 | 3,25,000 | 3,25,000 |
| Vegetable washers (× 2) | 1 | 1,20,000 | 1,20,000 |
| Mini boilers (× 2) | 1 | 1,50,000 | 1,50,000 |
| Pulping machines (× 2) | 1 | 1,60,000 | 1,60,000 |
| Hand flange rectifier | 1 | 1,10,000 | 1,10,000 |
| SS storage tanks (× 5) | 1 | 2,75,000 | 2,75,000 |
| Packing, filling and sealing machines (× 2) | 1 | 86,000 | 86,000 |
| Weighing scales (× 3) | 1 | 54,000 | 54,000 |
| Total | 31,04,000 |
Pre-filled from: SIDBI Stand-Up Mitra project profile — Ready-to-Eat Foods Veg., Sweets, Rice; Veg.. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Vegetables and fruits — tomato, onion, garlic, capsicum, corn and others — washed and cleaned before use
- Paneer, cheese and chana — for curries
- Maida, wheat flour and suji; salt and spices — for dishes and sweets
- Food-grade pouches and aluminium containers — for packing
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 31.04 |
| Contingency | 1.55 |
| Total fixed capital | 32.59 |
| Working capital margin | 0.00 |
| Total project cost | 32.59 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 3.26 | 10.0 |
| Term loan from bank | 29.33 | 90.0 |
| Total | 32.59 | 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 | 0.65 | 0.65 | 0.65 | 0.65 | 0.65 | 0.65 | 0.65 |
| Insurance | 0.16 | 0.16 | 0.16 | 0.16 | 0.16 | 0.16 | 0.16 |
| Total cost of operations | 3.69 | 3.69 | 3.69 | 3.69 | 3.69 | 3.69 | 3.69 |
| Operating profit (EBITDA) | -3.69 | -3.69 | -3.69 | -3.69 | -3.69 | -3.69 | -3.69 |
| Depreciation | 4.89 | 4.16 | 3.53 | 3.00 | 2.55 | 2.17 | 1.84 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 3.17 | 2.75 | 2.25 | 1.76 | 1.26 | 0.77 | 0.27 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -11.76 | -10.60 | -9.48 | -8.46 | -7.51 | -6.63 | -5.81 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -11.76 | -10.60 | -9.48 | -8.46 | -7.51 | -6.63 | -5.81 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -11.76 | -10.60 | -9.48 | -8.46 | -7.51 | -6.63 | -5.81 |
| Depreciation | 4.89 | 4.16 | 3.53 | 3.00 | 2.55 | 2.17 | 1.84 |
| Cash accruals (PAT + depreciation) | -6.87 | -6.45 | -5.95 | -5.45 | -4.96 | -4.46 | -3.96 |
| Term loan repaid | 2.26 | 4.51 | 4.51 | 4.51 | 4.51 | 4.51 | 4.51 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -9.13 | -10.96 | -10.46 | -9.97 | -9.47 | -8.97 | -8.48 |
| Cash and bank | -9.13 | -20.08 | -30.55 | -40.51 | -49.98 | -58.95 | -67.43 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 3.26 | 3.26 | 3.26 | 3.26 | 3.26 | 3.26 | 3.26 |
| Reserves and surplus | -11.76 | -22.36 | -31.84 | -40.30 | -47.80 | -54.43 | -60.24 |
| Term loan outstanding | 27.08 | 22.56 | 18.05 | 13.54 | 9.03 | 4.51 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 18.58 | 3.46 | -10.53 | -23.50 | -35.52 | -46.66 | -56.98 |
| Net fixed assets | 27.70 | 23.55 | 20.02 | 17.01 | 14.46 | 12.29 | 10.45 |
| 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 | -9.13 | -20.08 | -30.55 | -40.51 | -49.98 | -58.95 | -67.43 |
| Total assets | 18.58 | 3.46 | -10.53 | -23.50 | -35.52 | -46.66 | -56.98 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -0.68 | -0.51 | -0.55 | -0.59 | -0.64 | -0.70 | -0.77 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -0.63 |
|---|---|
| Lowest DSCR | -0.77 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 4.89 | 4.16 | 3.53 | 3.00 | 2.55 | 2.17 | 1.84 |
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 | 29.33 | 3.17 | 2.26 | 27.08 |
| 2 | 27.08 | 2.75 | 4.51 | 22.56 |
| 3 | 22.56 | 2.25 | 4.51 | 18.05 |
| 4 | 18.05 | 1.76 | 4.51 | 13.54 |
| 5 | 13.54 | 1.26 | 4.51 | 9.03 |
| 6 | 9.03 | 0.77 | 4.51 | 4.51 |
| 7 | 4.51 | 0.27 | 4.51 | 0.00 |
17 Licences and registrations
- FSSAI licence
- Udyam registration
- GST
- IEC code and APEDA registration for export
- State Pollution Control Board consent where applicable
- Factory licence and fire NOC
18 Government schemes that may apply
- PM Formalisation of Micro Food Processing Enterprises (PM FME)
- Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)
- Stand-Up India
19 Sources
- SIDBI Stand-Up Mitra project profile — Ready-to-Eat Foods Veg., Sweets, Rice; Veg. — https://www.standupmitra.in/Default/ViewFile/?id=1514563583562_Ready-to-Eat%20Foods%20Veg.%2C%20Sweets%2C%20Rice_%20Veg.docx&path=ProjectProfile
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.