Detailed Project Report
Silver Plating Unit (Job Work)
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹9.56 L
- Term loan from bank
- ₹8.60 L
- Promoter’s contribution
- ₹0.96 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-4.82 L
- Average DSCR
- -1.82
- 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
Electroplate silver on tableware, gift articles, jewellery and electrical contacts in a cyanide silver bath.
| Main product or service | Silver Plating Unit (Job Work) |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Makers of tableware, ornamental and gift articles
- Jewellery makers
- Electrical and electronic component makers (relay contacts, connectors, wave guides)
- Makers of light reflectors
- Job work on articles sent by manufacturers
- Direct orders from artware exporters and component makers
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Oil-cooled silicon rectifier, 1,000 amp, 12 V, stepless control | 1 | 2,00,000 | 2,00,000 |
| Silver plating tank, MS lead-lined, 2.25 × 1.5 × 1.5 m, with fume duct, blower and thermostat (× 2) | 1 | 2,00,000 | 2,00,000 |
| Cleaning and swilling tanks, MS lead-lined, 1.5 × 1 × 1 m (× 2) | 1 | 10,000 | 10,000 |
| Etching tank with lip duct and blower | 1 | 50,000 | 50,000 |
| Immersion heaters 3 kW (× 2) | 1 | 10,000 | 10,000 |
| Filter machine | 1 | 40,000 | 40,000 |
| Testing equipment, reagents and laboratory glassware | 1 | 2,00,000 | 2,00,000 |
| Pollution control equipment | 1 | 2,00,000 | 2,00,000 |
| Total | 9,10,000 |
Pre-filled from: DC-MSME project profile — Silver Plating. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Fine silver 99.99% (anodes) — 65 kg a month at ₹58,000 a kg = ₹37,70,000
- Ready-made silver salt — 96 kg a month at ₹27,000 a kg = ₹25,92,000
- Brightener — 2 litres a month at ₹12,000 a litre
- Miscellaneous chemicals — ₹30,000 a month
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 9.10 |
| Contingency | 0.46 |
| Total fixed capital | 9.56 |
| Working capital margin | 0.00 |
| Total project cost | 9.56 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 0.96 | 10.0 |
| Term loan from bank | 8.60 | 90.0 |
| Total | 9.56 | 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 | 0.19 | 0.19 | 0.19 | 0.19 | 0.19 | 0.19 | 0.19 |
| Insurance | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 |
| Total cost of operations | 3.12 | 3.12 | 3.12 | 3.12 | 3.12 | 3.12 | 3.12 |
| Operating profit (EBITDA) | -3.12 | -3.12 | -3.12 | -3.12 | -3.12 | -3.12 | -3.12 |
| Depreciation | 1.43 | 1.22 | 1.04 | 0.88 | 0.75 | 0.64 | 0.54 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 0.93 | 0.81 | 0.66 | 0.52 | 0.37 | 0.22 | 0.08 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -5.48 | -5.14 | -4.82 | -4.51 | -4.24 | -3.98 | -3.74 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -5.48 | -5.14 | -4.82 | -4.51 | -4.24 | -3.98 | -3.74 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -5.48 | -5.14 | -4.82 | -4.51 | -4.24 | -3.98 | -3.74 |
| Depreciation | 1.43 | 1.22 | 1.04 | 0.88 | 0.75 | 0.64 | 0.54 |
| Cash accruals (PAT + depreciation) | -4.05 | -3.93 | -3.78 | -3.63 | -3.49 | -3.34 | -3.20 |
| Term loan repaid | 0.66 | 1.32 | 1.32 | 1.32 | 1.32 | 1.32 | 1.32 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -4.71 | -5.25 | -5.10 | -4.96 | -4.81 | -4.67 | -4.52 |
| Cash and bank | -4.71 | -9.96 | -15.06 | -20.02 | -24.83 | -29.50 | -34.02 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 0.96 | 0.96 | 0.96 | 0.96 | 0.96 | 0.96 | 0.96 |
| Reserves and surplus | -5.48 | -10.63 | -15.44 | -19.96 | -24.19 | -28.17 | -31.91 |
| Term loan outstanding | 7.94 | 6.62 | 5.29 | 3.97 | 2.65 | 1.32 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 3.41 | -3.06 | -9.19 | -15.03 | -20.59 | -25.89 | -30.96 |
| Net fixed assets | 8.12 | 6.90 | 5.87 | 4.99 | 4.24 | 3.60 | 3.06 |
| 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 | -4.71 | -9.96 | -15.06 | -20.02 | -24.83 | -29.50 | -34.02 |
| Total assets | 3.41 | -3.06 | -9.19 | -15.03 | -20.59 | -25.89 | -30.96 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -1.96 | -1.46 | -1.57 | -1.70 | -1.84 | -2.02 | -2.22 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -1.82 |
|---|---|
| Lowest DSCR | -2.22 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 1.43 | 1.22 | 1.04 | 0.88 | 0.75 | 0.64 | 0.54 |
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 | 8.60 | 0.93 | 0.66 | 7.94 |
| 2 | 7.94 | 0.81 | 1.32 | 6.62 |
| 3 | 6.62 | 0.66 | 1.32 | 5.29 |
| 4 | 5.29 | 0.52 | 1.32 | 3.97 |
| 5 | 3.97 | 0.37 | 1.32 | 2.65 |
| 6 | 2.65 | 0.22 | 1.32 | 1.32 |
| 7 | 1.32 | 0.08 | 1.32 | 0.00 |
17 Licences and registrations
- Udyam registration
- GST registration
- Consent to establish and operate from the State Pollution Control Board (electroplating is a highly polluting category)
- Hazardous waste authorisation for plating sludge and spent bath
- Licence to buy and store cyanide under the state poison rules
- Factory licence where the worker and power limits apply
18 Government schemes that may apply
- Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)
19 Sources
- DC-MSME project profile — Silver Plating — https://www.dcmsme.gov.in/old/reports/METProducts/SILVERPLATING2011.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.