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Bakery products

High-protein rusk

TECH-NFIC-050
Record type
Product / SKU
Product category
Bakery products
Popularity
Medium Demand
Machinery available at NFIC
Partially

1. Raw materials / commodities

COM-027
Soy / Soya
Validated
Pulses

NF availability: Availability: Low-to-moderate. Source districts: No state-notified soybean production cluster; verify current arrivals in north-coastal and Rayalaseema mandis before planning. ODOP: No soybean ODOP in AP. Manufacturing decision: Do not set up a soybean-specific unit on assumed local supply. Proceed only with contracted acreage or a credible inter-state sourcing plan and non-GM traceability.

COM-003
Wheat
Validated
Cereals

NF availability: Availability: Low. Source districts: No dependable AP production district identified; small volumes are included with 'other millets and wheat'. ODOP: No wheat ODOP in AP. Manufacturing decision: Do not base an AP-local venture on wheat unless a contracted local cluster is first established; otherwise budget for inter-state grain.

2. NFIC machines required

3. How the product is made

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1. Raw-material acceptance
Identify the lot; remove stones, insects, mouldy and damaged material. Sieve/aspirate dry ingredients before weighing.
Validated

Parameters: Record lot, incoming moisture and rejection weight; keep food grain separate from treated seed.

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2. Weighing and blending
Blend the specified cereal flours; weigh yeast, salt, fat and other recipe ingredients.
Validated

Parameters: Millet percentage changes water absorption and loaf volume; record the actual blend.

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3. Dough development
Add potable water and mix/knead to a cohesive dough.
Validated

Parameters: Record water addition, final dough temperature and mixing endpoint; flour lot changes may require adjustment.

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4. Fermentation
Allow the yeast dough to develop in a controlled fermentation area.
Validated

Parameters: Follow dough expansion and maturity; AP room temperature is not a reproducible process setting.

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5. Dividing and shaping
Divide to consistent mass; round, rest and mould into pans or the selected product shape.
Validated

Parameters: Piece mass, handling losses and pan fill.

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6. Final proof
Proof shaped dough before baking.
Validated

Parameters: Proof height and dough resilience; avoid overproofing.

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7. Baking
Bake using an oven profile matched to loaf mass and recipe.
Validated
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8. Cooling and slicing
Depan; cool under hygienic conditions before slicing and packing.
Validated

Parameters: No warm condensation inside packs; clean slicer and limit post-bake handling.

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9. Second bake
Arrange slices in a single layer and rebake/dry to crispness.
Validated

Parameters: Uniform slice thickness and dryer loading; measure final moisture/water activity.

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10. Cooling and packing
Cool in a clean, dry area; weigh, seal and batch-code moisture-barrier food-grade packs.
Validated

Parameters: No condensation; check seal continuity, pack weight and moisture/water activity against the product release specification.

4. Financials and Unit economics

Production model
Use NFIC
Economics reference
UE-050
Pack size
200 g pack
Selling price
₹56.25
per pack
Variable cost to make one pack
₹31.44
Money left per pack
₹24.81
Before shared/fixed costs
Minimum production to cover costs
6 batches/month
Whole batches required
At 12 batches/month
₹49,755 profit/month
Money required to start
₹3.87 lakh

1. What will I produce and sell?

Raw material used in one batch (kg)
45.00
Finished product from one batch (kg)
63.00
Packs produced from one batch
315 packs
Selling price per pack
₹56.25
Planned production
12 batches/month
Packs available for sale/month
3,780 packs

Assumption: All saleable production is sold at the indicated selling price.

2. How much does one batch cost?

Variable costs — these increase when you produce more

Main raw material
₹2,300.00
Other ingredients
₹3,277.50
Packaging material
₹1,625.00
Production/helper labour
₹1,800.00
Transport / logistics
₹450.00
Other production costs
₹450.00
Total variable cost per batch
₹9,902.50
Sales from one batch
₹17,718.75
315 packs × ₹56.25
Variable cost of one batch
₹9,902.50
Money left from one batch
₹7,816.25
Available to pay shared/fixed business costs and thereafter become profit.
Money left per pack
₹24.81
Before shared/fixed costs.

3. NFIC Facility Cost

The fixed/shared cost of using NFIC

NFIC facility charge
₹44,040/month
This includes:
  • use of NFIC machinery / shared facility
  • electricity, fuel and water
  • machine-operator cost

You do not need to separately add electricity or machine-operator cost.

4. Will I make a profit?

Monthly Income Statement
Sales income
₹2,12,625
Main raw material
₹27,600
Other ingredients
₹39,330
Packaging
₹19,500
Production/helper labour
₹21,600
Transport / logistics
₹5,400
Other variable costs
₹5,400
Total variable costs
₹1,18,830
Money left after variable costs
₹93,795
NFIC fixed/shared facility cost
₹44,040
Estimated monthly profit
₹49,755
At 12 batches per month, estimated profit is ₹49,755 per month.

5. How many batches do I need to sell?

Below break-even
5 batches
Sales: ₹88,594
Loss: ₹4,959
BREAK-EVEN
6 batches
Sales: ₹1,06,312
Profit: ₹2,858
Above break-even
7 batches
Sales: ₹1,24,031
Profit: ₹10,674

You should produce and sell at least 6 batches per month to cover your costs.

Every additional batch sold after this adds approximately ₹7,816 before any other unforeseen expenses.

6. What happens if I produce more?

4 batches/month
₹12,775 loss
5 batches/month
₹4,959 loss
6 batches/month
₹2,858 profit ← Break-even crossed
7 batches/month
₹10,674 profit
8 batches/month
₹18,490 profit
12 batches/month
₹49,755 profit
15 batches/month
₹73,204 profit

More batches sold → the fixed/shared NFIC cost gets spread over more production → monthly profit improves.

7. How much money do I need before starting?

Startup & Working Capital Requirement
Money needed for day-to-day business
₹2,34,950
Other startup requirements
₹1,52,000
Total startup money required
₹3,86,950

Why is ₹2.35 lakh needed for day-to-day business?

Raw material, ingredients, packaging and other expenses have to be paid before all the money from customers comes back.

Working-capital cycle: approximately 39 days

Estimated total money required to start and operate the business ₹3.87 lakh

5. Branding, packaging & labelling

Packaging & labelling guidance

Pack size Retail: 100 g / 200 g; family: 400 g.
Label copy status Ready
Packaging, labelling & compliance guidanceRead one box at a time.

Recommended packaging

  • Heat-sealed moisture/oxygen-barrier flow-wrap or pouch; use a light protective tray only if breakage trials justify it. Metallised laminate is a candidate, not a compulsory material.

Economical / sustainable option

  • trial a recyclable PE- or PP-based mono-material pack only if its barrier and seals pass the same shelf-life test; confirm local collection. Plain paper alone is unsuitable.

Retail label essentials

  • Before printing, check the applicable rules/exemptions for: true food name; ingredients in descending order; additives; prescribed nutrition panel; veg/non-veg symbol; allergen statement; manufacturer/packer/brand-owner details and applicable FSSAI logo/licence number; net quantity; MRP inclusive of taxes and consumer-care details; batch/lot; manufacture/packing date and expiry/use-by as applicable; storage and preparation instructions.
  • Check Legal Metrology declarations, type size and unit-sale-price applicability for the final pack.
  • Mandatory information must be in English or Hindi; add clear Telugu for rural AP buyers.

Product name, origin & marketing claims

  • Put a simple descriptive food name beside the brand, with the actual variant and net quantity prominent.
  • Use honest local-origin/FPO statements backed by records.
  • Technology titles in column C are not approved marketing claims.
  • Do not imply CFTRI or FSSAI endorses the brand.
  • A QR recipe/traceability link is optional and cannot replace mandatory on-pack information.

Ingredients, allergens & cross-contact

  • Review every ingredient and processing aid/carrier, including compound seasonings and shared machinery.
  • Use the prescribed separate allergen statement when applicable; exemptions exist, including where the product itself is the allergen.
  • “May contain” follows a genuine cross-contact assessment and is not a substitute for segregation.
  • Milk is an allergen even in a vegetarian food; egg changes veg/non-veg status.
  • Do not assume millet/buckwheat foods are gluten-free.
  • FSSAI Labelling and Display Regulations, 2020; Version VIII, 09-Sep-2025. Primary regulatory baseline for retail/non-retail labels, allergens and ingredient-specific declarations.

Nutrition & claims

  • Nutrition values and claims must match the final recipe, legal calculation/testing basis and serving instructions.
  • Check permitted exemptions rather than printing invented values.

Shelf life, storage & after-opening

  • Best-before alone is not a universal substitute for expiry/use-by.
  • Establish shelf life on the real product/package using safety, sensory and relevant moisture/rancidity/culture tests under intended distribution conditions.
  • No expiry duration is supplied in this workbook.
  • Print a validated after-opening period where needed, not “consume soon” as the only control.
  • Protect from moisture after opening.

FSSAI licence, certifications & marks

  • Obtain the applicable FSSAI registration/licence and product-category permissions before food manufacture/sale; it is not a product-quality endorsement.
  • Ordinary food rows do not establish a separate mandatory certification merely because they use millet or local produce.
  • ISO 22000/HACCP certification, retail barcodes and trademark registration are not universal food-label prerequisites, though a buyer may require them.
  • Never display BIS/AGMARK/organic/vegan/+F/other marks without qualifying and obtaining the relevant authorisation where required.
  • Special-category rows explicitly need further review.

Regulatory references

  • FSSAI Packaging Regulations, 2018; Version V, 02-Apr-2025. Food-contact compliance and Schedule IV indicative package families. Specific pack sizes and sustainability trade-offs in D/E are recommendations, not prescribed by this source.

Other important guidance

  • Name rusk or soup sticks as appropriate.
  • Declare wheat/gluten and any milk, soy, egg or nuts present.
  • Any “high protein”, “protein-rich” or supplement positioning needs classification and substantiated nutrient content meeting the applicable claim conditions; adding pulses/coconut/soy is not certification.
  • FSSAI Advertising and Claims Regulations, 2018; Version IV, 14-Dec-2022. Claim principles and conditions; later effective amendments must also be checked.
  • FSSAI regulations index and labelling-amendment register. N identifies specialised regimes to consult, not evidence that any named SKU is approved. A flags the 2026 update; unresolved requirements are expressly not presented as certification conclusions.