Detailed Project Report
Shawls, Stoles, Scarves and Wraps
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹18.43 L
- Term loan from bank
- ₹11.98 L
- Promoter’s contribution
- ₹1.84 L
- Subsidy
- ₹4.61 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-6.26 L
- Average DSCR
- -1.40
- 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
Cut, stitch, finish and embroider fabric into shawls, stoles, scarves and wraps for women and winter buyers.
| Main product or service | Shawls, Stoles, Scarves and Wraps |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Women's wear retailers and boutiques
- Wholesalers
- Tourist and craft-market shops
- Online shoppers
- Wholesale textile markets
- Exhibitions and craft fairs
- Online marketplaces
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Single-needle machines (× 10) | 1 | 6,00,000 | 6,00,000 |
| Double-needle machines (× 5) | 1 | 3,75,000 | 3,75,000 |
| Overlock machines (× 2) | 1 | 80,000 | 80,000 |
| Cutting tables and cutting machines (× 2) | 1 | 2,00,000 | 2,00,000 |
| Embroidery machines (× 4) | 1 | 2,00,000 | 2,00,000 |
| Inspection tables (× 2) | 1 | 1,00,000 | 1,00,000 |
| Storage system (× 1 lot) | 1 | 2,00,000 | 2,00,000 |
| Total | 17,55,000 |
Pre-filled from: SIDBI Stand-Up Mitra project profile — Shawls, Stoles, Scarves and Wraps. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Fabric of various types and blends — ₹90–140 a metre in the report; from fabric traders and mills
- Embroidery thread, glass work, piping, patches, cords, danglers, buttons and rings — from tailoring material stores across India
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 17.55 |
| Contingency | 0.88 |
| Total fixed capital | 18.43 |
| Working capital margin | 0.00 |
| Total project cost | 18.43 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 1.84 | 10.0 |
| Subsidy | 4.61 | 25.0 |
| Term loan from bank | 11.98 | 65.0 |
| Total | 18.43 | 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 | 0.37 | 0.37 | 0.37 | 0.37 | 0.37 | 0.37 | 0.37 |
| Insurance | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 |
| Total cost of operations | 3.34 | 3.34 | 3.34 | 3.34 | 3.34 | 3.34 | 3.34 |
| Operating profit (EBITDA) | -3.34 | -3.34 | -3.34 | -3.34 | -3.34 | -3.34 | -3.34 |
| Depreciation | 2.76 | 2.35 | 2.00 | 1.70 | 1.44 | 1.23 | 1.04 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 1.30 | 1.12 | 0.92 | 0.72 | 0.52 | 0.31 | 0.11 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -7.40 | -6.81 | -6.26 | -5.76 | -5.30 | -4.88 | -4.49 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -7.40 | -6.81 | -6.26 | -5.76 | -5.30 | -4.88 | -4.49 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -7.40 | -6.81 | -6.26 | -5.76 | -5.30 | -4.88 | -4.49 |
| Depreciation | 2.76 | 2.35 | 2.00 | 1.70 | 1.44 | 1.23 | 1.04 |
| Cash accruals (PAT + depreciation) | -4.64 | -4.46 | -4.26 | -4.06 | -3.86 | -3.65 | -3.45 |
| Term loan repaid | 0.92 | 1.84 | 1.84 | 1.84 | 1.84 | 1.84 | 1.84 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -5.56 | -6.31 | -6.10 | -5.90 | -5.70 | -5.50 | -5.29 |
| Cash and bank | -5.56 | -11.87 | -17.97 | -23.87 | -29.57 | -35.07 | -40.36 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 6.45 | 6.45 | 6.45 | 6.45 | 6.45 | 6.45 | 6.45 |
| Reserves and surplus | -7.40 | -14.21 | -20.47 | -26.23 | -31.53 | -36.41 | -40.90 |
| Term loan outstanding | 11.06 | 9.21 | 7.37 | 5.53 | 3.69 | 1.84 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 10.10 | 1.45 | -6.65 | -14.25 | -21.39 | -28.12 | -34.45 |
| Net fixed assets | 15.66 | 13.31 | 11.32 | 9.62 | 8.18 | 6.95 | 5.91 |
| 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 | -5.56 | -11.87 | -17.97 | -23.87 | -29.57 | -35.07 | -40.36 |
| Total assets | 10.10 | 1.45 | -6.65 | -14.25 | -21.39 | -28.12 | -34.45 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -1.51 | -1.13 | -1.21 | -1.30 | -1.42 | -1.55 | -1.71 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -1.40 |
|---|---|
| Lowest DSCR | -1.71 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 2.76 | 2.35 | 2.00 | 1.70 | 1.44 | 1.23 | 1.04 |
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 | 11.98 | 1.30 | 0.92 | 11.06 |
| 2 | 11.06 | 1.12 | 1.84 | 9.21 |
| 3 | 9.21 | 0.92 | 1.84 | 7.37 |
| 4 | 7.37 | 0.72 | 1.84 | 5.53 |
| 5 | 5.53 | 0.52 | 1.84 | 3.69 |
| 6 | 3.69 | 0.31 | 1.84 | 1.84 |
| 7 | 1.84 | 0.11 | 1.84 | 0.00 |
17 Licences and registrations
- Udyam registration
- GST
- Shops and Establishments registration
- Professional tax where the state levies it
- Factory licence, ESI and PF once worker numbers cross the limits
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
- SIDBI Stand-Up Mitra project profile — Shawls, Stoles, Scarves and Wraps — https://www.standupmitra.in/Default/ViewFile/?id=1516633922929_Shawls%20Stoles%20Scarves%20and%20Wraps.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.