Detailed Project Report
Stainless Steel Water Filter Unit
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹5.71 L
- Term loan from bank
- ₹3.71 L
- Promoter’s contribution
- ₹0.57 L
- Subsidy
- ₹1.43 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-3.93 L
- Average DSCR
- -4.10
- 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
Deep-draw stainless steel vessels and fit ceramic candles to make household gravity water filters.
| Main product or service | Stainless Steel Water Filter Unit |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Households in towns and villages
- Utensil and household-goods shops
- Dealers in small towns
- Wholesale utensil markets
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Deep drawing double-action cam-type power press with 7.5 HP motor (× 2) | 1 | 2,40,000 | 2,40,000 |
| Beading machine with accessories | 1 | 8,000 | 8,000 |
| Stamping machine | 1 | 5,000 | 5,000 |
| Lathe, 2 HP | 1 | 30,000 | 30,000 |
| Electrically heated box-type furnace, 20 kW | 1 | 60,000 | 60,000 |
| Circle cutting machine, 1 HP | 1 | 10,000 | 10,000 |
| Polishing machine, 2 HP (× 4) | 1 | 40,000 | 40,000 |
| Beam scale | 1 | 5,000 | 5,000 |
| Arc welding set | 1 | 8,000 | 8,000 |
| Double-ended bench grinder | 1 | 10,000 | 10,000 |
| Drilling machine, 1 inch | 1 | 8,000 | 8,000 |
| Punching machine | 1 | 15,000 | 15,000 |
| Hand tools (× 1 lot) | 1 | 5,000 | 5,000 |
| Precision and measuring instruments (× 1 lot) | 1 | 10,000 | 10,000 |
| Dies and fixtures (× 1 lot) | 1 | 10,000 | 10,000 |
| Office equipment (× 1 lot) | 1 | 30,000 | 30,000 |
| Erection, installation and electrification (10%) (× —) | 1 | 49,400 | 49,400 |
| Total | 5,43,400 |
Pre-filled from: KVIC Project Profile — Stainless Steel Portable Water Filter (PMEGP); World Customs Organization – HS Nomenclature 2022 edition. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Stainless steel circles, 24/26 gauge — 10 MT a month at ₹1,10,000 per MT incl. 2% wastage = ₹11 L a month
- Ceramic candles, lid knobs, rubber base rings and metal taps — 4,500 sets a month = ₹3.65 L
- Lusser mops, buffs, emery paper, polishing compound, lubricants — ₹5,000 a month
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 5.43 |
| Contingency | 0.27 |
| Total fixed capital | 5.71 |
| Working capital margin | 0.00 |
| Total project cost | 5.71 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 0.57 | 10.0 |
| Subsidy | 1.43 | 25.0 |
| Term loan from bank | 3.71 | 65.0 |
| Total | 5.71 | 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 | 0.11 | 0.11 | 0.11 | 0.11 | 0.11 | 0.11 | 0.11 |
| Insurance | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 |
| Total cost of operations | 3.02 | 3.02 | 3.02 | 3.02 | 3.02 | 3.02 | 3.02 |
| Operating profit (EBITDA) | -3.02 | -3.02 | -3.02 | -3.02 | -3.02 | -3.02 | -3.02 |
| Depreciation | 0.86 | 0.73 | 0.62 | 0.53 | 0.45 | 0.38 | 0.32 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 0.40 | 0.35 | 0.29 | 0.22 | 0.16 | 0.10 | 0.03 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -4.28 | -4.10 | -3.93 | -3.77 | -3.63 | -3.50 | -3.38 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -4.28 | -4.10 | -3.93 | -3.77 | -3.63 | -3.50 | -3.38 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -4.28 | -4.10 | -3.93 | -3.77 | -3.63 | -3.50 | -3.38 |
| Depreciation | 0.86 | 0.73 | 0.62 | 0.53 | 0.45 | 0.38 | 0.32 |
| Cash accruals (PAT + depreciation) | -3.42 | -3.37 | -3.31 | -3.24 | -3.18 | -3.12 | -3.06 |
| Term loan repaid | 0.29 | 0.57 | 0.57 | 0.57 | 0.57 | 0.57 | 0.57 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -3.71 | -3.94 | -3.88 | -3.82 | -3.75 | -3.69 | -3.63 |
| Cash and bank | -3.71 | -7.65 | -11.53 | -15.34 | -19.10 | -22.79 | -26.41 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 |
| Reserves and surplus | -4.28 | -8.38 | -12.30 | -16.07 | -19.70 | -23.20 | -26.58 |
| Term loan outstanding | 3.42 | 2.85 | 2.28 | 1.71 | 1.14 | 0.57 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 1.14 | -3.53 | -8.02 | -12.37 | -16.57 | -20.63 | -24.58 |
| Net fixed assets | 4.85 | 4.12 | 3.50 | 2.98 | 2.53 | 2.15 | 1.83 |
| 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 | -3.71 | -7.65 | -11.53 | -15.34 | -19.10 | -22.79 | -26.41 |
| Total assets | 1.14 | -3.53 | -8.02 | -12.37 | -16.57 | -20.63 | -24.58 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -4.40 | -3.29 | -3.53 | -3.81 | -4.14 | -4.53 | -5.00 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -4.10 |
|---|---|
| Lowest DSCR | -5.00 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 0.86 | 0.73 | 0.62 | 0.53 | 0.45 | 0.38 | 0.32 |
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 | 3.71 | 0.40 | 0.29 | 3.42 |
| 2 | 3.42 | 0.35 | 0.57 | 2.85 |
| 3 | 2.85 | 0.29 | 0.57 | 2.28 |
| 4 | 2.28 | 0.22 | 0.57 | 1.71 |
| 5 | 1.71 | 0.16 | 0.57 | 1.14 |
| 6 | 1.14 | 0.10 | 0.57 | 0.57 |
| 7 | 0.57 | 0.03 | 0.57 | 0.00 |
17 Licences and registrations
- Udyam
- GST
- Trade licence
- BIS certification if a Quality Control Order covers your filter type — check before launch
18 Government schemes that may apply
- Prime Minister's Employment Generation Programme (PMEGP)
- Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)
- Stand-Up India
19 Sources
- KVIC Project Profile — Stainless Steel Portable Water Filter (PMEGP) — https://pmegp.msme.gov.in/Home/DownloadDocument?fileName=Documents/ProjectSampleReport/STAINLESS_STEEL_PORTABLE_WATER_FILTER_%28_RURAL_ENGG._AND_BIO-TECH_INDUSTRY_%29.pdf
- World Customs Organization – HS Nomenclature 2022 edition — https://www.wcoomd.org/en/topics/nomenclature/instrument-and-tools/hs-nomenclature-2022-edition/hs-nomenclature-2022-edition.aspx
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.