Detailed Project Report
Textile Printing (Screen Printing on Fabric)
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹8.74 L
- Term loan from bank
- ₹5.68 L
- Promoter’s contribution
- ₹0.87 L
- Subsidy
- ₹2.19 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-4.48 L
- Average DSCR
- -2.74
- 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
Print designs on cloth by hand screen printing, then steam, wash and dry it — a KVIC village-industry model.
| Main product or service | Textile Printing (Screen Printing on Fabric) |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Cloth traders and wholesalers
- Garment and dress-material makers
- Retail shops selling printed fabric
- Job work for traders
- Sale of own printed fabric to shops
- Local haats and exhibitions
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Printing table with AC top (20'x15'x3'), squeegees, screens, cottage steamer, open-width jigger, cylinder drying machine, baby boiler, trolleys, dye-paste stirrer, weighing machine, installation and office furniture | 1 | 8,32,500 | 8,32,500 |
| Total | 8,32,500 |
Pre-filled from: KVIC Project Profile — Textile Printing (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
- Dyes, gums and chemicals — raw material ₹1,50,000 a year at full capacity
- Labels and packing material — ₹65,000 a year
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 8.33 |
| Contingency | 0.42 |
| Total fixed capital | 8.74 |
| Working capital margin | 0.00 |
| Total project cost | 8.74 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 0.87 | 10.0 |
| Subsidy | 2.19 | 25.0 |
| Term loan from bank | 5.68 | 65.0 |
| Total | 8.74 | 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 | 0.17 | 0.17 | 0.17 | 0.17 | 0.17 | 0.17 | 0.17 |
| Insurance | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Total cost of operations | 3.10 | 3.10 | 3.10 | 3.10 | 3.10 | 3.10 | 3.10 |
| Operating profit (EBITDA) | -3.10 | -3.10 | -3.10 | -3.10 | -3.10 | -3.10 | -3.10 |
| Depreciation | 1.31 | 1.11 | 0.95 | 0.81 | 0.68 | 0.58 | 0.49 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 0.61 | 0.53 | 0.44 | 0.34 | 0.24 | 0.15 | 0.05 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -5.02 | -4.75 | -4.48 | -4.24 | -4.03 | -3.83 | -3.65 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -5.02 | -4.75 | -4.48 | -4.24 | -4.03 | -3.83 | -3.65 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -5.02 | -4.75 | -4.48 | -4.24 | -4.03 | -3.83 | -3.65 |
| Depreciation | 1.31 | 1.11 | 0.95 | 0.81 | 0.68 | 0.58 | 0.49 |
| Cash accruals (PAT + depreciation) | -3.71 | -3.63 | -3.54 | -3.44 | -3.34 | -3.25 | -3.15 |
| Term loan repaid | 0.44 | 0.87 | 0.87 | 0.87 | 0.87 | 0.87 | 0.87 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -4.15 | -4.51 | -4.41 | -4.31 | -4.22 | -4.12 | -4.02 |
| Cash and bank | -4.15 | -8.66 | -13.07 | -17.38 | -21.60 | -25.72 | -29.74 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 3.06 | 3.06 | 3.06 | 3.06 | 3.06 | 3.06 | 3.06 |
| Reserves and surplus | -5.02 | -9.77 | -14.25 | -18.50 | -22.52 | -26.35 | -30.00 |
| Term loan outstanding | 5.24 | 4.37 | 3.50 | 2.62 | 1.75 | 0.87 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 3.28 | -2.34 | -7.70 | -12.82 | -17.72 | -22.42 | -26.94 |
| Net fixed assets | 7.43 | 6.32 | 5.37 | 4.56 | 3.88 | 3.30 | 2.80 |
| 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 | -4.15 | -8.66 | -13.07 | -17.38 | -21.60 | -25.72 | -29.74 |
| Total assets | 3.28 | -2.34 | -7.70 | -12.82 | -17.72 | -22.42 | -26.94 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -2.95 | -2.20 | -2.36 | -2.55 | -2.77 | -3.03 | -3.35 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -2.74 |
|---|---|
| Lowest DSCR | -3.35 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 1.31 | 1.11 | 0.95 | 0.81 | 0.68 | 0.58 | 0.49 |
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 | 5.68 | 0.61 | 0.44 | 5.24 |
| 2 | 5.24 | 0.53 | 0.87 | 4.37 |
| 3 | 4.37 | 0.44 | 0.87 | 3.50 |
| 4 | 3.50 | 0.34 | 0.87 | 2.62 |
| 5 | 2.62 | 0.24 | 0.87 | 1.75 |
| 6 | 1.75 | 0.15 | 0.87 | 0.87 |
| 7 | 0.87 | 0.05 | 0.87 | 0.00 |
17 Licences and registrations
- Udyam registration
- GST registration
- Pollution Control Board NOC (washing effluent)
- Trade licence from the local body
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
- KVIC Project Profile — Textile Printing (PMEGP) — https://pmegp.msme.gov.in/Home/DownloadDocument?fileName=Documents/ProjectSampleReport/TEXTILE_PRINTING_%28_SERVICE_AND_TEXTILE_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.