Detailed Project Report
Rubber-Backed Coir Mats
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹16.38 L
- Term loan from bank
- ₹10.65 L
- Promoter’s contribution
- ₹1.64 L
- Subsidy
- ₹4.10 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-5.88 L
- Average DSCR
- -1.55
- 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
Press a sheet of compounded rubber onto the back of coir matting to make non-slip door and floor mats.
| Main product or service | Rubber-Backed Coir Mats |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Homes, offices and hotels (door and floor mats)
- Furniture and upholstery makers (rubberised coir)
- Coir product exporters
- Mat and furnishing dealers
- Supply to coir exporters
- Direct orders from institutions
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Mixing mill (14" × 36"), 40 HP | 1 | 0 | 0 |
| Hydraulic press (36" × 36"), 15 HP | 1 | 0 | 0 |
| Moulds (as required) (× as required) | 1 | 0 | 0 |
| Water pump (for cooling) | 1 | 0 | 0 |
| Coir sheet machine | 1 | 5,50,000 | 5,50,000 |
| Coir rope untwisting machine | 1 | 3,00,000 | 3,00,000 |
| Hydraulic press (× 2) | 1 | 2,00,000 | 2,00,000 |
| Water tanks | 1 | 60,000 | 60,000 |
| Ball mill, vulcanising chamber, band-saw cutting machine and other equipment (× 1 lot) | 1 | 4,50,000 | 4,50,000 |
| Total | 15,60,000 |
Pre-filled from: Coir Board Project Profile — Rubber Moulded Coir Unit (PMEGP); PMEGP sample project report — Rubber Moulded Coir Matting (prepared by Udyami/Samadhan). Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Coir matting / mats — cut to mat size; included in the raw-material cost of ₹115 a mat
- Natural, synthetic or reclaimed rubber and compounding ingredients — mixed on a two-roll mill and left to mature overnight
- Mould-release agent — sprayed on the heated mould before pressing
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 15.60 |
| Contingency | 0.78 |
| Total fixed capital | 16.38 |
| Working capital margin | 0.00 |
| Total project cost | 16.38 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 1.64 | 10.0 |
| Subsidy | 4.10 | 25.0 |
| Term loan from bank | 10.65 | 65.0 |
| Total | 16.38 | 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 | 0.33 | 0.33 | 0.33 | 0.33 | 0.33 | 0.33 | 0.33 |
| Insurance | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 |
| Total cost of operations | 3.29 | 3.29 | 3.29 | 3.29 | 3.29 | 3.29 | 3.29 |
| Operating profit (EBITDA) | -3.29 | -3.29 | -3.29 | -3.29 | -3.29 | -3.29 | -3.29 |
| Depreciation | 2.46 | 2.09 | 1.78 | 1.51 | 1.28 | 1.09 | 0.93 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 1.15 | 1.00 | 0.82 | 0.64 | 0.46 | 0.28 | 0.10 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -6.90 | -6.38 | -5.88 | -5.44 | -5.03 | -4.66 | -4.31 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -6.90 | -6.38 | -5.88 | -5.44 | -5.03 | -4.66 | -4.31 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -6.90 | -6.38 | -5.88 | -5.44 | -5.03 | -4.66 | -4.31 |
| Depreciation | 2.46 | 2.09 | 1.78 | 1.51 | 1.28 | 1.09 | 0.93 |
| Cash accruals (PAT + depreciation) | -4.44 | -4.29 | -4.11 | -3.93 | -3.75 | -3.57 | -3.39 |
| Term loan repaid | 0.82 | 1.64 | 1.64 | 1.64 | 1.64 | 1.64 | 1.64 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -5.26 | -5.93 | -5.75 | -5.57 | -5.39 | -5.21 | -5.03 |
| Cash and bank | -5.26 | -11.19 | -16.93 | -22.50 | -27.88 | -33.09 | -38.11 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 5.73 | 5.73 | 5.73 | 5.73 | 5.73 | 5.73 | 5.73 |
| Reserves and surplus | -6.90 | -13.28 | -19.16 | -24.59 | -29.62 | -34.28 | -38.60 |
| Term loan outstanding | 9.83 | 8.19 | 6.55 | 4.91 | 3.28 | 1.64 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 8.66 | 0.65 | -6.87 | -13.95 | -20.62 | -26.91 | -32.86 |
| Net fixed assets | 13.92 | 11.83 | 10.06 | 8.55 | 7.27 | 6.18 | 5.25 |
| 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 | -5.26 | -11.19 | -16.93 | -22.50 | -27.88 | -33.09 | -38.11 |
| Total assets | 8.66 | 0.65 | -6.87 | -13.95 | -20.62 | -26.91 | -32.86 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -1.67 | -1.25 | -1.34 | -1.45 | -1.57 | -1.72 | -1.90 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -1.55 |
|---|---|
| Lowest DSCR | -1.90 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 2.46 | 2.09 | 1.78 | 1.51 | 1.28 | 1.09 | 0.93 |
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 | 10.65 | 1.15 | 0.82 | 9.83 |
| 2 | 9.83 | 1.00 | 1.64 | 8.19 |
| 3 | 8.19 | 0.82 | 1.64 | 6.55 |
| 4 | 6.55 | 0.64 | 1.64 | 4.91 |
| 5 | 4.91 | 0.46 | 1.64 | 3.28 |
| 6 | 3.28 | 0.28 | 1.64 | 1.64 |
| 7 | 1.64 | 0.10 | 1.64 | 0.00 |
17 Licences and registrations
- Udyam
- GST
- Pollution control board consent (rubber processing)
- Factory licence if the worker count needs it
- Registration with the Coir Board (useful for its schemes)
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)
19 Sources
- Coir Board Project Profile — Rubber Moulded Coir Unit (PMEGP) — https://pmegp.msme.gov.in/Home/DownloadDocument?fileName=Documents/ProjectSampleReport/PROJECT_PROFILE_FOR_RUBBER_MOULDED_COIR_COIR_UNIT_%28_COIR_BOARD_BASED_INDUSTRY_%29.pdf
- PMEGP sample project report — Rubber Moulded Coir Matting (prepared by Udyami/Samadhan) — https://pmegp.msme.gov.in/Home/DownloadDocument?fileName=Documents/ProjectSampleReport/PROJECT_PROFILE_FOR_RUBBER_MOULDED_COIR_MATTING_%28_COIR_BOARD_BASED_INDUSTRY_%29.pdf
- DGFT — ITC(HS) classification of export and import items — https://www.dgft.gov.in/CP/?opt=itchs-import-export
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.