Detailed Project Report
Saree Dyeing and Printing
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹11.29 L
- Term loan from bank
- ₹7.34 L
- Promoter’s contribution
- ₹1.13 L
- Subsidy
- ₹2.82 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-4.95 L
- Average DSCR
- -2.17
- 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
Dye and print sarees for traders and boutiques using jet-dyeing and drum machines.
| Main product or service | Saree Dyeing and Printing |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Saree traders and wholesalers
- Weavers and boutiques
- Job-work orders in textile clusters
- Own dyed and printed sarees through retailers
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Horizontal paddle machine | 1 | 1,00,000 | 1,00,000 |
| Drum machine | 1 | 2,70,000 | 2,70,000 |
| Washing-centrifugal machine | 1 | 2,55,000 | 2,55,000 |
| Jet-dyeing centrifugal machine | 1 | 4,50,000 | 4,50,000 |
| Total | 10,75,000 |
Pre-filled from: PMEGP sample project report — Saree Dyeing and Printing (prepared by Udyami/Samadhan). Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Dyes: reactive, direct, sulphur, vat, pigment, acid and disperse — ₹18.75 lakh in year 1 with chemicals
- Sarees (usually supplied by the client for job-work)
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 10.75 |
| Contingency | 0.54 |
| Total fixed capital | 11.29 |
| Working capital margin | 0.00 |
| Total project cost | 11.29 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 1.13 | 10.0 |
| Subsidy | 2.82 | 25.0 |
| Term loan from bank | 7.34 | 65.0 |
| Total | 11.29 | 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 | 0.23 | 0.23 | 0.23 | 0.23 | 0.23 | 0.23 | 0.23 |
| Insurance | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 |
| Total cost of operations | 3.16 | 3.16 | 3.16 | 3.16 | 3.16 | 3.16 | 3.16 |
| Operating profit (EBITDA) | -3.16 | -3.16 | -3.16 | -3.16 | -3.16 | -3.16 | -3.16 |
| Depreciation | 1.69 | 1.44 | 1.22 | 1.04 | 0.88 | 0.75 | 0.64 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 0.79 | 0.69 | 0.56 | 0.44 | 0.32 | 0.19 | 0.07 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -5.65 | -5.29 | -4.95 | -4.64 | -4.36 | -4.10 | -3.87 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -5.65 | -5.29 | -4.95 | -4.64 | -4.36 | -4.10 | -3.87 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -5.65 | -5.29 | -4.95 | -4.64 | -4.36 | -4.10 | -3.87 |
| Depreciation | 1.69 | 1.44 | 1.22 | 1.04 | 0.88 | 0.75 | 0.64 |
| Cash accruals (PAT + depreciation) | -3.96 | -3.85 | -3.73 | -3.60 | -3.48 | -3.35 | -3.23 |
| Term loan repaid | 0.56 | 1.13 | 1.13 | 1.13 | 1.13 | 1.13 | 1.13 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -4.52 | -4.98 | -4.85 | -4.73 | -4.61 | -4.48 | -4.36 |
| Cash and bank | -4.52 | -9.50 | -14.35 | -19.09 | -23.69 | -28.17 | -32.53 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 3.95 | 3.95 | 3.95 | 3.95 | 3.95 | 3.95 | 3.95 |
| Reserves and surplus | -5.65 | -10.94 | -15.89 | -20.53 | -24.89 | -29.00 | -32.86 |
| Term loan outstanding | 6.77 | 5.64 | 4.52 | 3.39 | 2.26 | 1.13 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 5.07 | -1.34 | -7.42 | -13.19 | -18.68 | -23.92 | -28.91 |
| Net fixed assets | 9.59 | 8.16 | 6.93 | 5.89 | 5.01 | 4.26 | 3.62 |
| 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 | -4.52 | -9.50 | -14.35 | -19.09 | -23.69 | -28.17 | -32.53 |
| Total assets | 5.07 | -1.34 | -7.42 | -13.19 | -18.68 | -23.92 | -28.91 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -2.33 | -1.74 | -1.87 | -2.02 | -2.19 | -2.40 | -2.64 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -2.17 |
|---|---|
| Lowest DSCR | -2.64 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 1.69 | 1.44 | 1.22 | 1.04 | 0.88 | 0.75 | 0.64 |
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 | 7.34 | 0.79 | 0.56 | 6.77 |
| 2 | 6.77 | 0.69 | 1.13 | 5.64 |
| 3 | 5.64 | 0.56 | 1.13 | 4.52 |
| 4 | 4.52 | 0.44 | 1.13 | 3.39 |
| 5 | 3.39 | 0.32 | 1.13 | 2.26 |
| 6 | 2.26 | 0.19 | 1.13 | 1.13 |
| 7 | 1.13 | 0.07 | 1.13 | 0.00 |
17 Licences and registrations
- Consent to Establish and Operate from the State Pollution Control Board (dyeing is a water-polluting activity)
- Effluent treatment plant or membership of a common effluent plant
- Udyam registration and GST
- Groundwater permission if you draw borewell water
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 — Saree Dyeing and Printing (prepared by Udyami/Samadhan) — https://pmegp.msme.gov.in/Home/DownloadDocument?fileName=Documents/ProjectSampleReport/Saree_Dyeing_and_Printing_DPR_%28_Samadhan_Projects_%29.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.