Detailed Project Report
Stainless Steel Pressed Utensils (Plates, Glasses, Spoons)
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹7.51 L
- Term loan from bank
- ₹4.88 L
- Promoter’s contribution
- ₹0.75 L
- Subsidy
- ₹1.88 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-4.26 L
- Average DSCR
- -3.16
- 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 and spin stainless steel sheet into plates, glasses and spoons.
| Main product or service | Stainless Steel Pressed Utensils (Plates, Glasses, Spoons) |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Utensil wholesalers and retailers
- Hotels, dhabas and caterers
- Hostels, canteens and other institutions
- Wholesale utensil markets
- Direct institutional supply
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Hand-operated shearing machine, 900 mm | 1 | 25,000 | 25,000 |
| Spinning lathe, centre height 350 mm | 1 | 50,000 | 50,000 |
| Electronic weighing machine | 1 | 25,000 | 25,000 |
| Hand fly press for light punching | 1 | 1,15,000 | 1,15,000 |
| Double-action deep drawing power press, 100 MT, 15 HP | 1 | 2,50,000 | 2,50,000 |
| Circular cutting machine | 1 | 35,000 | 35,000 |
| Annealing plant | 1 | 50,000 | 50,000 |
| Centre lathe, 2.5 m bed | 1 | 60,000 | 60,000 |
| Pillar drilling machine, 25 mm | 1 | 15,000 | 15,000 |
| Arc welding transformer, 300 A | 1 | 25,000 | 25,000 |
| Bench grinder, 200 × 25 mm wheel (× 2) | 1 | 15,000 | 15,000 |
| Dies and other hand tools (× 1 lot) | 1 | 50,000 | 50,000 |
| Total | 7,15,000 |
Pre-filled from: PMEGP sample project report — Pressed Components (Stainless Steel Plates, Glass and Spoon Items) (prepared by Udyami/Samadhan); World Customs Organization – HS Nomenclature 2022, Chapter 73. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Stainless steel cold-rolled sheets, 1–3 mm — 30 tonnes a year at full capacity, ₹2,75,000 a tonne
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 7.15 |
| Contingency | 0.36 |
| Total fixed capital | 7.51 |
| Working capital margin | 0.00 |
| Total project cost | 7.51 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 0.75 | 10.0 |
| Subsidy | 1.88 | 25.0 |
| Term loan from bank | 4.88 | 65.0 |
| Total | 7.51 | 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 | 0.15 | 0.15 | 0.15 | 0.15 | 0.15 | 0.15 | 0.15 |
| Insurance | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Total cost of operations | 3.07 | 3.07 | 3.07 | 3.07 | 3.07 | 3.07 | 3.07 |
| Operating profit (EBITDA) | -3.07 | -3.07 | -3.07 | -3.07 | -3.07 | -3.07 | -3.07 |
| Depreciation | 1.13 | 0.96 | 0.81 | 0.69 | 0.59 | 0.50 | 0.42 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 0.53 | 0.46 | 0.38 | 0.29 | 0.21 | 0.13 | 0.04 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -4.72 | -4.48 | -4.26 | -4.05 | -3.87 | -3.69 | -3.54 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -4.72 | -4.48 | -4.26 | -4.05 | -3.87 | -3.69 | -3.54 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -4.72 | -4.48 | -4.26 | -4.05 | -3.87 | -3.69 | -3.54 |
| Depreciation | 1.13 | 0.96 | 0.81 | 0.69 | 0.59 | 0.50 | 0.42 |
| Cash accruals (PAT + depreciation) | -3.60 | -3.53 | -3.44 | -3.36 | -3.28 | -3.20 | -3.11 |
| Term loan repaid | 0.38 | 0.75 | 0.75 | 0.75 | 0.75 | 0.75 | 0.75 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -3.97 | -4.28 | -4.19 | -4.11 | -4.03 | -3.95 | -3.86 |
| Cash and bank | -3.97 | -8.25 | -12.44 | -16.55 | -20.58 | -24.53 | -28.39 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 2.63 | 2.63 | 2.63 | 2.63 | 2.63 | 2.63 | 2.63 |
| Reserves and surplus | -4.72 | -9.20 | -13.46 | -17.51 | -21.38 | -25.07 | -28.61 |
| Term loan outstanding | 4.50 | 3.75 | 3.00 | 2.25 | 1.50 | 0.75 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 2.41 | -2.82 | -7.83 | -12.63 | -17.25 | -21.69 | -25.98 |
| Net fixed assets | 6.38 | 5.42 | 4.61 | 3.92 | 3.33 | 2.83 | 2.41 |
| 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 | -3.97 | -8.25 | -12.44 | -16.55 | -20.58 | -24.53 | -28.39 |
| Total assets | 2.41 | -2.82 | -7.83 | -12.63 | -17.25 | -21.69 | -25.98 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -3.40 | -2.54 | -2.72 | -2.94 | -3.19 | -3.49 | -3.86 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -3.16 |
|---|---|
| Lowest DSCR | -3.86 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 1.13 | 0.96 | 0.81 | 0.69 | 0.59 | 0.50 | 0.42 |
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 | 4.88 | 0.53 | 0.38 | 4.50 |
| 2 | 4.50 | 0.46 | 0.75 | 3.75 |
| 3 | 3.75 | 0.38 | 0.75 | 3.00 |
| 4 | 3.00 | 0.29 | 0.75 | 2.25 |
| 5 | 2.25 | 0.21 | 0.75 | 1.50 |
| 6 | 1.50 | 0.13 | 0.75 | 0.75 |
| 7 | 0.75 | 0.04 | 0.75 | 0.00 |
17 Licences and registrations
- Udyam registration
- GST
- NOC/consent from the state pollution control board
- BIS certification where a Quality Control Order covers stainless steel utensils or the steel sheet you buy
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 — Pressed Components (Stainless Steel Plates, Glass and Spoon Items) (prepared by Udyami/Samadhan) — https://pmegp.msme.gov.in/Home/DownloadDocument?fileName=Documents/ProjectSampleReport/Pressed_Components_%28_Samadhan_Projects_%29.pdf
- World Customs Organization – HS Nomenclature 2022, Chapter 73 — https://www.wcoomd.org/-/media/wco/public/global/pdf/topics/nomenclature/instruments-and-tools/hs-nomenclature-2022/2022/1573_2022e.pdf
- World Customs Organization – HS Nomenclature 2022, Chapter 82 — https://www.wcoomd.org/-/media/wco/public/global/pdf/topics/nomenclature/instruments-and-tools/hs-nomenclature-2022/2022/1582_2022e.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.