Detailed Project Report
Coir Matting on a Semi-Automatic Loom
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹17.78 L
- Term loan from bank
- ₹11.55 L
- Promoter’s contribution
- ₹1.78 L
- Subsidy
- ₹4.44 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-6.14 L
- Average DSCR
- -1.45
- 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
Weave coir yarn into fancy matting on a motor-assisted loom that is cheaper than a power loom.
| Main product or service | Coir Matting on a Semi-Automatic Loom |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Coir product exporters
- Furnishing and flooring dealers
- Hotels and institutions
- Supply to exporters in coir clusters
- Dealers and wholesalers
- Coir Board fairs and showrooms
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Semi-automatic loom, 1.50 m width (7 HP) | 1 | 14,00,000 | 14,00,000 |
| Bobbin winding machine, 2 head | 1 | 1,80,000 | 1,80,000 |
| Dyeing equipment (× 1 set) | 1 | 1,13,000 | 1,13,000 |
| Total | 16,93,000 |
Pre-filled from: Coir Board Project Profile — Semi-Automatic Coir Matting Unit (PMEGP); DGFT — ITC(HS) classification of export and import items. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Coir yarn — ₹62,000 a tonne in the profile; 72.60 tonnes a year at full capacity
- Dyes for coloured matting — dyeing charges counted separately in the cost sheet
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 16.93 |
| Contingency | 0.85 |
| Total fixed capital | 17.78 |
| Working capital margin | 0.00 |
| Total project cost | 17.78 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 1.78 | 10.0 |
| Subsidy | 4.44 | 25.0 |
| Term loan from bank | 11.55 | 65.0 |
| Total | 17.78 | 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 | 0.36 | 0.36 | 0.36 | 0.36 | 0.36 | 0.36 | 0.36 |
| Insurance | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 |
| Total cost of operations | 3.32 | 3.32 | 3.32 | 3.32 | 3.32 | 3.32 | 3.32 |
| Operating profit (EBITDA) | -3.32 | -3.32 | -3.32 | -3.32 | -3.32 | -3.32 | -3.32 |
| Depreciation | 2.67 | 2.27 | 1.93 | 1.64 | 1.39 | 1.18 | 1.01 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 1.25 | 1.08 | 0.89 | 0.69 | 0.50 | 0.30 | 0.11 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -7.24 | -6.67 | -6.14 | -5.65 | -5.21 | -4.81 | -4.44 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -7.24 | -6.67 | -6.14 | -5.65 | -5.21 | -4.81 | -4.44 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -7.24 | -6.67 | -6.14 | -5.65 | -5.21 | -4.81 | -4.44 |
| Depreciation | 2.67 | 2.27 | 1.93 | 1.64 | 1.39 | 1.18 | 1.01 |
| Cash accruals (PAT + depreciation) | -4.58 | -4.41 | -4.21 | -4.02 | -3.82 | -3.63 | -3.43 |
| Term loan repaid | 0.89 | 1.78 | 1.78 | 1.78 | 1.78 | 1.78 | 1.78 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -5.46 | -6.19 | -5.99 | -5.79 | -5.60 | -5.40 | -5.21 |
| Cash and bank | -5.46 | -11.65 | -17.64 | -23.43 | -29.03 | -34.44 | -39.64 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 6.22 | 6.22 | 6.22 | 6.22 | 6.22 | 6.22 | 6.22 |
| Reserves and surplus | -7.24 | -13.92 | -20.06 | -25.71 | -30.92 | -35.73 | -40.17 |
| Term loan outstanding | 10.67 | 8.89 | 7.11 | 5.33 | 3.56 | 1.78 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 9.65 | 1.19 | -6.72 | -14.15 | -21.15 | -27.73 | -33.95 |
| Net fixed assets | 15.11 | 12.84 | 10.92 | 9.28 | 7.89 | 6.70 | 5.70 |
| 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 | -5.46 | -11.65 | -17.64 | -23.43 | -29.03 | -34.44 | -39.64 |
| Total assets | 9.65 | 1.19 | -6.72 | -14.15 | -21.15 | -27.73 | -33.95 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -1.55 | -1.16 | -1.25 | -1.35 | -1.46 | -1.60 | -1.76 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -1.45 |
|---|---|
| Lowest DSCR | -1.76 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 2.67 | 2.27 | 1.93 | 1.64 | 1.39 | 1.18 | 1.01 |
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 | 11.55 | 1.25 | 0.89 | 10.67 |
| 2 | 10.67 | 1.08 | 1.78 | 8.89 |
| 3 | 8.89 | 0.89 | 1.78 | 7.11 |
| 4 | 7.11 | 0.69 | 1.78 | 5.33 |
| 5 | 5.33 | 0.50 | 1.78 | 3.56 |
| 6 | 3.56 | 0.30 | 1.78 | 1.78 |
| 7 | 1.78 | 0.11 | 1.78 | 0.00 |
17 Licences and registrations
- Udyam
- GST
- Pollution control board consent (for the dyeing section)
- Registration with the Coir Board
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 — Semi-Automatic Coir Matting Unit (PMEGP) — https://pmegp.msme.gov.in/Home/DownloadDocument?fileName=Documents/ProjectSampleReport/PROJECT_PROFILE_FOR_SEMI_AUTOMATIC_COIR_MATTING_UNIT_%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.