Automated Bank DPR Appraisal Generator
Eliminate expensive consultant fees (₹5,000 - ₹15,000). Generate an authentic, official 5-page Detailed Project Report compliant with State Bank of India, Bank of Maharashtra, Gramin Banks, and District Industries Centre (DIC) standards.
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Official Bank-Ready Detailed Project Report (DPR)
Compliant with PMEGP, Mudra & RBI Priority Sector Lending Guidelines
Detailed Project Appraisal Report (DPR)
Prepared under FinFeasibility AI Hyper-Local Advisory Platform
Target Scheme: Prime Minister's Employment Generation Programme (PMEGP)
DPR/FINFEAS/SAT/2026/6279
Date: 22 October 2026
Classification: Micro Enterprise
| Name of Entrepreneur | Shivraj Patil | Age / Gender | 29 Years / Male |
| Social Category | OBC (Eligible for Special Rural Subsidy) | Educational Qualification | Graduate/Diploma |
| Unit Location / Area | Rural Area, Taluka: Karad, District: Satara | State / Jurisdiction | Maharashtra, India |
| Enterprise Classification | Greenfield Micro Enterprise | Local Gram Panchayat NOC | Enclosed & Verified |
(A) Capital Expenditure Schedule
| Item Description | Amount (₹) |
|---|---|
| Rotary Wooden Ghani Machines (2 Units with Motor & Gearbox) | ₹3,80,000 |
| Oil Filter Press (Plate & Frame, 12 plates) | ₹1,10,000 |
| Semi-Automatic Bottle Filling & Sealing Machine | ₹75,000 |
| Stainless Steel Storage Tanks (500L x 2) | ₹65,000 |
| Electrical Installation, Three Phase Wiring & Earthing | ₹45,000 |
| Shed Renovation, Flooring & Cleanroom Setup | ₹95,000 |
| Weighing Scale, Testing Kits & Initial Packaging Consumables | ₹40,000 |
| Pre-operative Expenses & FSSAI Registration | ₹40,000 |
| Total CapEx (Plant, Machinery & Works) | ₹8,50,000 |
(B) Means of Financing
| Source of Finance | % Share | Amount (₹) |
|---|---|---|
| Promoter Own Contribution (Margin Money) | 5% | ₹42,500 |
| Government Margin Money Subsidy (35%) | 35% | ₹2,97,500 |
| Bank Term Loan (Senior Debt) | 95% | ₹8,07,500 |
| Total Financing Mobilized | 100% | ₹8,50,000 |
| Financial Parameter (₹) | Year 1 (75% Cap) | Year 2 (90% Cap) | Year 3 (100% Cap) |
|---|---|---|---|
| Gross Annual Sales Revenue | ₹35,55,000 | ₹42,66,000 | ₹47,40,000 |
| Less: Cost of Raw Materials & Consumables | ₹23,58,000 | ₹28,29,600 | ₹31,44,000 |
| Less: Wages, Power, Fuel & Administration | ₹7,12,800 | ₹7,17,120 | ₹7,20,000 |
| Less: Depreciation (10% on Plant & Machinery) | ₹55,250 | ₹55,250 | ₹55,250 |
| Less: Bank Loan Interest | ₹76,713 | ₹61,370 | ₹46,028 |
| Net Profit After Tax (PAT) | ₹2,99,401 | ₹5,12,261 | ₹6,58,514 |
| Debt Service Coverage Ratio (DSCR) | 1.81 | 2.82 | 3.66 |
* Banking Criterion: Commercial banks mandate minimum DSCR ≥ 1.40 for priority-sector micro loans. This project achieves an average DSCR of 2.76, confirming high debt servicing resilience.
Signature of Entrepreneur
Promoter / Applicant
Verified by Branch Credit Officer
Lead District Bank / DIC Officer