Detailed Project Report
Turmeric Value-Added Products
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹6.41 L
- Term loan from bank
- ₹4.16 L
- Promoter’s contribution
- ₹0.64 L
- Subsidy
- ₹1.60 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-4.05 L
- Average DSCR
- -3.67
- 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
Turn raw turmeric into powder, curcumin extract, turmeric oil, soap and capsules for home and export markets.
| Main product or service | Turmeric Value-Added Products |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Grocery and general stores
- Ayurvedic and organic stores
- Wellness centres and tourists (herbal souvenirs)
- Export buyers in the USA, Europe and the Middle East
- Retail outlets
- Online marketplaces and own website
- Trade fairs and B2B export tie-ups
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Grinder and pulveriser | 1 | 1,50,000 | 1,50,000 |
| Solvent extractor | 1 | 2,00,000 | 2,00,000 |
| Tray dryer | 1 | 30,000 | 30,000 |
| Spray dryer | 1 | 1,20,000 | 1,20,000 |
| Packaging machine (bottle filler) | 1 | 50,000 | 50,000 |
| Capsule filling machine | 1 | 60,000 | 60,000 |
| Total | 6,10,000 |
Pre-filled from: Uttarakhand DUY project profile — Turmeric-Based Value-Added Products; World Customs Organization – HS Nomenclature 2022 edition. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Raw turmeric rhizomes — from local farms, preferably organic-certified
- Solvents such as ethanol — for extracting curcumin and turmeric oil
- Bottles, jars, pouches, boxes and labels — consumer-ready packing
- Natural preservatives — for shelf life of extracts
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 6.10 |
| Contingency | 0.31 |
| Total fixed capital | 6.41 |
| Working capital margin | 0.00 |
| Total project cost | 6.41 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 0.64 | 10.0 |
| Subsidy | 1.60 | 25.0 |
| Term loan from bank | 4.16 | 65.0 |
| Total | 6.41 | 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 | 0.13 | 0.13 | 0.13 | 0.13 | 0.13 | 0.13 | 0.13 |
| Insurance | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 |
| Total cost of operations | 3.04 | 3.04 | 3.04 | 3.04 | 3.04 | 3.04 | 3.04 |
| Operating profit (EBITDA) | -3.04 | -3.04 | -3.04 | -3.04 | -3.04 | -3.04 | -3.04 |
| Depreciation | 0.96 | 0.82 | 0.69 | 0.59 | 0.50 | 0.43 | 0.36 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 0.45 | 0.39 | 0.32 | 0.25 | 0.18 | 0.11 | 0.04 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -4.45 | -4.25 | -4.05 | -3.88 | -3.72 | -3.58 | -3.44 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -4.45 | -4.25 | -4.05 | -3.88 | -3.72 | -3.58 | -3.44 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -4.45 | -4.25 | -4.05 | -3.88 | -3.72 | -3.58 | -3.44 |
| Depreciation | 0.96 | 0.82 | 0.69 | 0.59 | 0.50 | 0.43 | 0.36 |
| Cash accruals (PAT + depreciation) | -3.49 | -3.43 | -3.36 | -3.29 | -3.22 | -3.15 | -3.08 |
| Term loan repaid | 0.32 | 0.64 | 0.64 | 0.64 | 0.64 | 0.64 | 0.64 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -3.81 | -4.07 | -4.00 | -3.93 | -3.86 | -3.79 | -3.72 |
| Cash and bank | -3.81 | -7.88 | -11.88 | -15.81 | -19.67 | -23.46 | -27.18 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 2.24 | 2.24 | 2.24 | 2.24 | 2.24 | 2.24 | 2.24 |
| Reserves and surplus | -4.45 | -8.70 | -12.75 | -16.63 | -20.35 | -23.93 | -27.37 |
| Term loan outstanding | 3.84 | 3.20 | 2.56 | 1.92 | 1.28 | 0.64 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 1.63 | -3.25 | -7.95 | -12.47 | -16.83 | -21.05 | -25.13 |
| Net fixed assets | 5.44 | 4.63 | 3.93 | 3.34 | 2.84 | 2.42 | 2.05 |
| 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 | -3.81 | -7.88 | -11.88 | -15.81 | -19.67 | -23.46 | -27.18 |
| Total assets | 1.63 | -3.25 | -7.95 | -12.47 | -16.83 | -21.05 | -25.13 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -3.94 | -2.95 | -3.17 | -3.42 | -3.71 | -4.06 | -4.48 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -3.67 |
|---|---|
| Lowest DSCR | -4.48 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 0.96 | 0.82 | 0.69 | 0.59 | 0.50 | 0.43 | 0.36 |
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 | 4.16 | 0.45 | 0.32 | 3.84 |
| 2 | 3.84 | 0.39 | 0.64 | 3.20 |
| 3 | 3.20 | 0.32 | 0.64 | 2.56 |
| 4 | 2.56 | 0.25 | 0.64 | 1.92 |
| 5 | 1.92 | 0.18 | 0.64 | 1.28 |
| 6 | 1.28 | 0.11 | 0.64 | 0.64 |
| 7 | 0.64 | 0.04 | 0.64 | 0.00 |
17 Licences and registrations
- FSSAI licence (powder, extract, capsules)
- Udyam registration
- GST registration
- Trade licence from the local body
- Consent from the State Pollution Control Board
- Cosmetic manufacturing licence from the state drug controller for turmeric soap
- Spices Board registration (RCMC) and IEC to export
18 Government schemes that may apply
- PM Formalisation of Micro Food Processing Enterprises (PM FME)
- 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
- Uttarakhand DUY project profile — Turmeric-Based Value-Added Products — https://duy-heduk.org/downloads/project-profiles/tumeric_added_products_manufacturing_unit.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.