§1What this business is

Raw bananas are washed, blanched, sliced in a chipping machine, dried in a solar dryer and ground into flour. The flour is mixed with sugar and other ingredients in a planetary mixer, cut into cookies and baked. The DPR costs raw banana at ₹10 a kg and sugar at ₹35, with a sale price of ₹200 a kg.

Capacity: 150 tonnes of cookies a year in the project summary. Year 1 is for construction; use is 55% in Year 2, 65%, 75%, 90% and 100% from Year 6. (The capacity paragraph in this DPR is copied from another report, so we use the summary.)

§2Is it right for you?

Who it is for

A baker, SHG or FPO in a banana district.

Who it is not for

Someone who cannot sell a new kind of biscuit beyond the local market.

Advantages

  • Uses cheap raw and rejected bananas
  • Gluten-free flour appeals to health-conscious buyers
  • Low machinery cost for a bakery line
  • Cookies keep for months

Drawbacks

  • Two processes in one unit — flour making and baking
  • Banana flour browns quickly if not blanched well
  • Biscuit shelves are crowded with big brands

Skills you need

  • Drying and milling banana flour
  • Cookie dough recipes and baking
  • Moisture-proof packing
  • Retail distribution

Why difficulty 3/5: Cheap to set up, but you run a flour unit and a bakery together.

§3Market

Who buys

  • Grocery shops and supermarkets
  • Health-food stores
  • Tea stalls, canteens and bakeries

How it sells

  • Local distributors
  • Direct supply to shops
  • Online marketplaces

Good to know

  • The DPR assumes an average sale price of ₹200 a kg.

§4Raw material & machinery

ItemQtyCost
Washer, 40 kg an hour1₹1.6 lakh
Blanching kettle, gas operated1₹0.3 lakh
Chipping machine1₹0.2 lakh
Solar dryer1₹0.75 lakh
Pulveriser1₹0.25 lakh
Planetary mixer1₹0.2 lakh
Cookie cutter1₹3 lakh
Baking oven1₹3 lakh
Weighing scale1₹0.1 lakh

From: NIFTEM-Thanjavur (IIFPT) PMFME model DPR — Banana Flour Cookies

  • Raw bananascosted at ₹10 a kg
  • Sugarcosted at ₹35 a kg
  • Fat, leavening and packing materialbought from local suppliers

From: NIFTEM-Thanjavur (IIFPT) PMFME model DPR — Banana Flour Cookies

§5Licences & registration

  1. Udyam registration
  2. GST registration
  3. FSSAI licence or registration
  4. Legal Metrology registration for packaged goods
  5. Trade licence from the local body

We can do this registration for you

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§6Schemes & subsidies

The DPR is written for PMFME (35% credit-linked subsidy, up to ₹10 lakh, for micro food units). PMEGP is another route for a new unit of this size, and CGTMSE can back the bank loan without collateral.

§7Money

How the investment is worked out: Building 20 × 32 × 12 ft ₹6.30 L + plant and machinery ₹9.90 L + utilities ₹0.80 L + other fixed assets ₹0.90 L + pre-operative ₹0.90 L + contingencies ₹1.20 L + working capital margin ₹8.44 L = ₹28.44 lakh. (The nine machines priced in the DPR add up to ₹9.40 L.)

Working capital: Working capital margin ₹8.44 L in the project cost; bank working capital ₹25.32 L in Year 2, ₹29.92 L in Year 3 and ₹40.80 L in Year 4.

Year not printed on the DPR (the PMFME scheme began in 2020) — check current machinery prices.

How to prepare a loan file

§8Export potential

Export council / board: APEDA

  • The DPR gives no export costing; an exporter needs an IEC and registration with the export body before shipping.

§9Risks — where people fail

  • Wet weather slowing solar drying
  • Uneven baking quality
  • Raw banana price rising
  • Low repeat sales

§1030 / 60 / 90-day plan

A general plan that applies to any business. A plan for this business will be added after research.

  1. Days 1–30: Visit a working banana flour cookies unit unit, ask 10 buyers about price and quantity, and get quotations from 3 suppliers.
  2. Days 31–60: Udyam and the licences you need (Udyam registration, GST registration), a project report (DPR), and the scheme or loan file.
  3. Days 61–90: Space and machines, trial production, and first deliveries to 10 customers.

§11Who to connect with

§12Watch

There is no episode on this business yet. Shows are coming soon on the Podcast page.

Want to start Banana Flour Cookies Unit?

DPR, loan file or registration — ask us on WhatsApp.

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Sources

  1. NIFTEM-Thanjavur (IIFPT) PMFME model DPR — Banana Flour Cookies

Data review: 6 October 2026. Spotted a mistake? Report it. For information only — not legal or financial advice.