Detailed Project Report
Vermicelli (Seviyan) Unit
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹8.72 L
- Term loan from bank
- ₹5.66 L
- Promoter’s contribution
- ₹0.87 L
- Subsidy
- ₹2.18 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-4.48 L
- Average DSCR
- -2.75
- 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
Extrude wheat-flour seviyan, roast and pack it for local shops — a steady food item with festival peaks.
| Main product or service | Vermicelli (Seviyan) Unit |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Households
- Sweet shops and caterers
- Hotels and dhabas
- Kirana shops and wholesalers
- Festival-season stockists
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Vermicelli extruder and cutting machine, 25 HP (× 2) | 1 | 5,50,000 | 5,50,000 |
| Dough kneader | 1 | 15,000 | 15,000 |
| Rotary roaster | 1 | 1,75,000 | 1,75,000 |
| Weighing scales | 1 | 20,000 | 20,000 |
| Packaging machine | 1 | 50,000 | 50,000 |
| Miscellaneous (× 1 lot) | 1 | 20,000 | 20,000 |
| Total | 8,30,000 |
Pre-filled from: PMEGP sample project report — Vermicelli (prepared by Udyami/Samadhan). Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Wheat flour — 150 tonnes a year at ₹30,000 a tonne (full capacity)
- Soya bean, tapioca or groundnut flour — 15 tonnes a year at ₹50,000 a tonne
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 8.30 |
| Contingency | 0.42 |
| Total fixed capital | 8.72 |
| Working capital margin | 0.00 |
| Total project cost | 8.72 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 0.87 | 10.0 |
| Subsidy | 2.18 | 25.0 |
| Term loan from bank | 5.66 | 65.0 |
| Total | 8.72 | 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 | 0.94 | 0.80 | 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 | -4.74 | -4.48 | -4.24 | -4.02 | -3.83 | -3.64 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -5.02 | -4.74 | -4.48 | -4.24 | -4.02 | -3.83 | -3.64 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -5.02 | -4.74 | -4.48 | -4.24 | -4.02 | -3.83 | -3.64 |
| Depreciation | 1.31 | 1.11 | 0.94 | 0.80 | 0.68 | 0.58 | 0.49 |
| Cash accruals (PAT + depreciation) | -3.71 | -3.63 | -3.53 | -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 | -4.50 | -4.40 | -4.31 | -4.21 | -4.12 | -4.02 |
| Cash and bank | -4.15 | -8.65 | -13.05 | -17.36 | -21.57 | -25.69 | -29.71 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 3.05 | 3.05 | 3.05 | 3.05 | 3.05 | 3.05 | 3.05 |
| Reserves and surplus | -5.02 | -9.76 | -14.24 | -18.48 | -22.50 | -26.33 | -29.97 |
| Term loan outstanding | 5.23 | 4.36 | 3.49 | 2.61 | 1.74 | 0.87 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 3.26 | -2.35 | -7.70 | -12.81 | -17.71 | -22.40 | -26.92 |
| Net fixed assets | 7.41 | 6.30 | 5.35 | 4.55 | 3.87 | 3.29 | 2.79 |
| 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 | -8.65 | -13.05 | -17.36 | -21.57 | -25.69 | -29.71 |
| Total assets | 3.26 | -2.35 | -7.70 | -12.81 | -17.71 | -22.40 | -26.92 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -2.95 | -2.21 | -2.37 | -2.56 | -2.78 | -3.04 | -3.35 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -2.75 |
|---|---|
| Lowest DSCR | -3.35 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 1.31 | 1.11 | 0.94 | 0.80 | 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 | 5.66 | 0.61 | 0.44 | 5.23 |
| 2 | 5.23 | 0.53 | 0.87 | 4.36 |
| 3 | 4.36 | 0.44 | 0.87 | 3.49 |
| 4 | 3.49 | 0.34 | 0.87 | 2.61 |
| 5 | 2.61 | 0.24 | 0.87 | 1.74 |
| 6 | 1.74 | 0.15 | 0.87 | 0.87 |
| 7 | 0.87 | 0.05 | 0.87 | 0.00 |
17 Licences and registrations
- FSSAI licence or registration
- Udyam registration
- GST
- Legal Metrology packer registration for packaged goods
- Trademark for your brand (optional)
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
- PMEGP sample project report — Vermicelli (prepared by Udyami/Samadhan) — https://pmegp.msme.gov.in/Home/DownloadDocument?fileName=Documents/ProjectSampleReport/Vermicelli_%28_Samadhan_Projects_%29.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.