Rusk (Toast) Making Business
रस्क (टोस्ट) बनाने का व्यवसाय · टोस्ट (रस्क) उद्योग
Bake sweet bread loaves, slice them and bake again into crisp rusk, then pack and sell to tea stalls, shops and wholesalers.
Investment
₹9.1 lakh
Profit a month*
₹41,000
- Space
- 800 sq ft
- Staff
- 5 + you
*Operating profit before the loan instalment in year 2, at the assumed sales level. Change the assumptions in the calculator below.
Rusk, or toast, is twice-baked sweet bread eaten with tea across India. A rusk unit mixes dough, bakes loaves, cools and slices them, and bakes the slices again until dry and crisp. It uses the same machines as a small bakery but has one big advantage over bread: rusk keeps for months, so there are no daily returns and it can be sold in towns far from the unit. It suits someone with a trained baker and a way to reach many small shops. The margin per kilo is modest, so the business needs volume. The hard parts are fuel cost from baking twice, breakage, and competition from large rusk brands and local bakeries.
Skills needed: A trained baker for dough and oven control; hygiene and packing discipline.
Profit calculator
Change the numbers to match your town120 kg/day: Rusk (toast), packed
Total investment
₹9.12 lakh
Your own money
₹91,201
Subsidy
—
Bank loan
₹8.21 lakh
Mudra Tarun
A typical month in year 2
| Sales | ₹3,27,600 |
| Raw material & packing | −₹1,84,080 |
| Electricity | −₹7,920 |
| Salaries | −₹66,150 |
| Rent | −₹15,750 |
| Other running costs | −₹12,600 |
| Operating profit | ₹41,100 |
| Loan instalment (EMI) | −₹19,138 |
| You keep each month | ₹21,962 |
After the loan is repaid, the EMI becomes your income too. Your own salary is not counted as a cost: the profit is your income.
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Turn these numbers into a full project report: cost of project, means of finance, 5-year profit and loss, balance sheet, repayment schedule, DSCR and break-even.
Make my project reportInvestment breakdown
| Machinery & equipment | Price |
|---|---|
| Rotary rack ovenSmall 12–18 tray | ₹2,75,000₹1.9 lakh–₹4.25 lakh |
| Spiral dough mixer | ₹1,05,000₹76,000–₹2.15 lakh |
| Bread and rusk slicerSemi-automatic, double cutter | ₹55,000 |
| Loaf moulds, trays and rack trolleys | ₹50,000 |
| Stainless-steel work tables × 2 | ₹20,000₹7,000–₹15,000 |
| Band sealer and weighing scales | ₹27,000₹18,000–₹45,000 |
| Storage racks and crates | ₹20,000 |
| Automatic pouch packing machineadd-on | ₹2,50,000 |
| Machinery & equipment (without add-ons) | ₹5,52,000 |
| FSSAI, Udyam and other registrations | ₹5,000 |
| Pouch design and printing cylinders | ₹20,000 |
| Three-phase connection, wiring and fuel line | ₹30,000 |
| Trial baking and samples | ₹10,000 |
| Working capital 12 days of raw material, 15 days of credit to buyers, 1 month of expenses | ₹2,95,010 |
| Total project cost | ₹9,12,010 |
Typical market prices as of October 2026, from supplier listings. Prices vary by brand, capacity and city; always get 2–3 quotes.
Cost and margin per unit
| Rusk (toast), packed (per kg) | ₹ |
|---|---|
| Maida and suji (0.75 kg at ₹34/kg) | 25.50 |
| Sugar (0.15 kg at ₹45/kg) | 6.75 |
| Fat, yeast, milk solids and improver | 14.75 |
| Pouches and cartons | 6.00 |
| Oven fuel for two bakes | 6.00 |
| Material cost | 59.00 |
| Selling price | 105.00 |
| Margin before running costs | 46.00 (44%) |
Wholesale rate; supplier listings show ₹85–120/kg for ordinary rusk and up to ₹200 for premium.
Space, power and staff
800 sq ft
Rented shed · rent ≈ ₹15,000/month
Small-town or city-outskirts rent. Needs a cool, dry packing room separate from the oven area.
8 kW, three-phase
Bill ≈ ₹11,000/month at full capacity
5 staff + you
- 1 × Baker: ₹18,000
- 3 × Slicing and packing helpers: ₹11,000
- 1 × Sales and delivery: ₹12,000
Licences and registrations
FSSAI registration / licence
mandatoryWhen: Before you sell · Cost: ₹100/yr for basic registration; state licence ₹2,000–5,000/yr above the turnover limit
The turnover limit for basic registration was reported to be raised in 2026. Check the current limit on foscos.fssai.gov.in.
Udyam registration
recommendedWhen: Before applying for a loan · Cost: Free
Apply only on udyamregistration.gov.in.
GST registration
if applicableWhen: When turnover crosses the registration limit, or a buyer insists · Cost: Free
Rusk is taxed, unlike plain bread. Confirm the current rate and the registration limit with a CA; rates were revised in 2025.
Legal Metrology packer registration
if applicableWhen: Before selling pre-packed rusk with MRP · Cost: Varies by state
Local body trade licence and fire safety
if applicableWhen: Before starting, as local rules require for ovens · Cost: Varies by municipality
How it works
- Mix maida, suji, sugar, fat and yeast into dough.
- Mould, proof and bake long loaves.
- Cool the loaves for several hours, then slice evenly.
- Arrange slices on trays and bake again until dry and golden.
- Cool, sort out broken pieces, pack and seal.
Loan route
Mudra loan (Tarun)
Own money ₹91,201 · Loan ₹8.21 lakh · EMI ≈ ₹19,138
No collateral, no subsidy.
How Mudra worksPMEGP (new units)
Subsidy ₹1.37 lakh (general, urban) to ₹3.19 lakh (special category, rural). EMI ≈ ₹15,948–₹12,759.
Own money 5–10%. Subsidy is held as a 3-year deposit, then adjusted against the loan.
How PMEGP worksAssumes 10.5% interest, 5 years including a 6-month moratorium. PMEGP was approved up to FY 2025-26. Check on the KVIC PMEGP portal that applications are open before you plan around the subsidy.
No collateral and no third-party guarantee (covered by the Credit Guarantee Fund for Micro Units).
Who buys and how to sell
Buyers
- Tea stalls and canteens
- Kirana shops and bakeries
- Wholesalers and distributors
- Hostels and hospitals
Ways to sell
- Shop-to-shop sales
- Distributors in nearby towns
- Loose bulk packs for tea stalls
- Your own counter
Season: Steady all year, slightly higher in the monsoon and winter with tea.
Competition: Large rusk brands with wide distribution and many bakeries. Small units compete with bulk loose packs, local taste and shop margins.
Risks and how to handle them
Rising fuel, maida and fat costs
Run the oven with full loads, track fuel per kilo and adjust prices with the market.
Breakage in slicing and transport
Cool loaves fully before slicing, keep blades sharp, pack snugly and sell broken pieces separately.
Rusk turns soft from moisture
Bake dry, cool completely and use good pouches.
Oven breakdown
Buy from a maker with local service and keep burner spares.
Tips from the trade
- Rusk fits well alongside bread: it uses the oven in the hours bread does not.
- Tea stalls buy loose rusk by the kilo every few days and pay quickly.
- Elaichi, milk and suji variants need only small recipe changes.
Questions people ask
What is the difference between a rusk unit and a bakery?+
The machines are the same. A rusk unit makes only the twice-baked product, which keeps for months, so it avoids daily delivery and returns of fresh bread.
How long does rusk stay fresh?+
Commonly three to six months when fully dried and well packed. Test your own product before printing a date.
How much investment is needed to start a rusk (toast) making business?+
About ₹9.12 lakh for a small unit: ₹5.52 lakh for machinery and equipment, ₹65,000 for set-up costs and ₹2.95 lakh as working capital (stock, credit to buyers and one month of expenses). Prices as of October 2026.
How much profit can a rusk (toast) making business make per month?+
At 60% of capacity, sales are about ₹3.28 lakh a month and operating profit about ₹41,100 before the loan instalment. After an EMI of about ₹19,138, the owner keeps about ₹21,962 a month until the loan is repaid. These are estimates; your prices, rent and sales decide the real figure.
Which machines are needed for rusk (toast) making?+
Rotary rack oven (₹1.9 lakh–₹4.25 lakh); Spiral dough mixer (₹76,000–₹2.15 lakh); Bread and rusk slicer (about ₹55,000).
Can I get a Mudra loan or PMEGP subsidy for rusk (toast) making?+
With a project cost of about ₹9.12 lakh, the bank loan of about ₹8.21 lakh falls under Mudra Tarun. Mudra has no subsidy. As a new unit you may instead apply under PMEGP, where the subsidy is 15–35% of the project cost (up to about ₹3.19 lakh here for a special-category applicant in a rural area). PMEGP was approved up to FY 2025-26. Check on the KVIC PMEGP portal that applications are open before you plan around the subsidy.
What licences are required for rusk (toast) making?+
Mandatory: FSSAI registration / licence. Depending on your set-up you may also need: Udyam registration, GST registration, Legal Metrology packer registration, Local body trade licence and fire safety.
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Sources
- Aajjo: small rotary rack oven listing
- IndiaMART: bread and rusk slicer listings
- IndiaMART: Sonu Bakery (rusk prices)
- TradeIndia: suji rusk listings
- FSSAI FoSCoS (registration and licensing)
Prices as of October 2026. Prices here come from online listings and published guides and have not yet been confirmed with local suppliers. Profit figures are estimates from the assumptions above, not a promise of income.
Spotted an outdated price? Tell us. Data for this page: HowIndiaEarns.