Detailed Project Report
Agri-Business Entrepreneurship Hub (Incubator)
—
Prepared on: 27 October 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹43.79 L
- Term loan from bank
- ₹39.41 L
- Promoter’s contribution
- ₹4.38 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-11.75 L
- Average DSCR
- -0.51
- 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
An incubator with a shared food-processing lab, training halls and co-working that helps farmers and youth start agri-businesses.
| Main product or service | Agri-Business Entrepreneurship Hub (Incubator) |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Rural youth, women and farmer entrepreneurs (incubatees)
- FPOs and SHGs (consulting and training)
- Start-ups renting co-working and lab time
- Government and CSR programmes
- Incubation programmes and training
- Buyer-seller meets and enterprise fairs
- Online sales partnerships on commission
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Food dehydrator (× 2) | 1 | 2,50,000 | 2,50,000 |
| Pulping and juicing machine | 1 | 3,50,000 | 3,50,000 |
| Vacuum sealer and packager (× 2) | 1 | 1,20,000 | 1,20,000 |
| Millet flour grinder | 1 | 1,80,000 | 1,80,000 |
| Weighing and labelling unit | 1 | 1,50,000 | 1,50,000 |
| FSSAI testing kit (basic) | 1 | 1,20,000 | 1,20,000 |
| Machinery and equipment (total) (× lot) | 1 | 30,00,000 | 30,00,000 |
| Total | 41,70,000 |
Pre-filled from: Devbhoomi Udyamita Yojana (Uttarakhand DUY) project profile — Agri Business Entrepreneurship Hub. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Fruits, vegetables, millets, pulses and herbs — from local farmers and FPOs, for incubated ventures
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 41.70 |
| Contingency | 2.09 |
| Total fixed capital | 43.79 |
| Working capital margin | 0.00 |
| Total project cost | 43.79 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 4.38 | 10.0 |
| Term loan from bank | 39.41 | 90.0 |
| Total | 43.79 | 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 | 0.88 | 0.88 | 0.88 | 0.88 | 0.88 | 0.88 | 0.88 |
| Insurance | 0.22 | 0.22 | 0.22 | 0.22 | 0.22 | 0.22 | 0.22 |
| Total cost of operations | 3.97 | 3.97 | 3.97 | 3.97 | 3.97 | 3.97 | 3.97 |
| Operating profit (EBITDA) | -3.97 | -3.97 | -3.97 | -3.97 | -3.97 | -3.97 | -3.97 |
| Depreciation | 6.57 | 5.58 | 4.75 | 4.03 | 3.43 | 2.91 | 2.48 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 4.27 | 3.70 | 3.03 | 2.36 | 1.69 | 1.03 | 0.36 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -14.81 | -13.25 | -11.75 | -10.37 | -9.10 | -7.92 | -6.81 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -14.81 | -13.25 | -11.75 | -10.37 | -9.10 | -7.92 | -6.81 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -14.81 | -13.25 | -11.75 | -10.37 | -9.10 | -7.92 | -6.81 |
| Depreciation | 6.57 | 5.58 | 4.75 | 4.03 | 3.43 | 2.91 | 2.48 |
| Cash accruals (PAT + depreciation) | -8.24 | -7.67 | -7.00 | -6.34 | -5.67 | -5.00 | -4.34 |
| Term loan repaid | 3.03 | 6.06 | 6.06 | 6.06 | 6.06 | 6.06 | 6.06 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -11.27 | -13.73 | -13.07 | -12.40 | -11.73 | -11.07 | -10.40 |
| Cash and bank | -11.27 | -25.00 | -38.07 | -50.47 | -62.20 | -73.27 | -83.66 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 4.38 | 4.38 | 4.38 | 4.38 | 4.38 | 4.38 | 4.38 |
| Reserves and surplus | -14.81 | -28.06 | -39.81 | -50.18 | -59.28 | -67.19 | -74.01 |
| Term loan outstanding | 36.38 | 30.31 | 24.25 | 18.19 | 12.13 | 6.06 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 25.95 | 6.63 | -11.18 | -27.61 | -42.77 | -56.75 | -69.63 |
| Net fixed assets | 37.22 | 31.63 | 26.89 | 22.86 | 19.43 | 16.51 | 14.04 |
| 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 | -11.27 | -25.00 | -38.07 | -50.47 | -62.20 | -73.27 | -83.66 |
| Total assets | 25.95 | 6.63 | -11.18 | -27.61 | -42.77 | -56.75 | -69.63 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -0.54 | -0.41 | -0.44 | -0.47 | -0.51 | -0.56 | -0.62 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -0.51 |
|---|---|
| Lowest DSCR | -0.62 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 6.57 | 5.58 | 4.75 | 4.03 | 3.43 | 2.91 | 2.48 |
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 | 39.41 | 4.27 | 3.03 | 36.38 |
| 2 | 36.38 | 3.70 | 6.06 | 30.31 |
| 3 | 30.31 | 3.03 | 6.06 | 24.25 |
| 4 | 24.25 | 2.36 | 6.06 | 18.19 |
| 5 | 18.19 | 1.69 | 6.06 | 12.13 |
| 6 | 12.13 | 1.03 | 6.06 | 6.06 |
| 7 | 6.06 | 0.36 | 6.06 | 0.00 |
17 Licences and registrations
- Society, trust, Section 8 company or company registration (to receive grants)
- Udyam
- GST
- FSSAI licence for the processing lab
- Recognition as an incubator under the schemes you apply to
18 Government schemes that may apply
- PM Formalisation of Micro Food Processing Enterprises (PM FME)
- Agriculture Infrastructure Fund (AIF)
19 Sources
- Devbhoomi Udyamita Yojana (Uttarakhand DUY) project profile — Agri Business Entrepreneurship Hub — https://duy-heduk.org/downloads/project-profiles/Agri_Business_Entrepreneurship_Hub_in_Uttarakhand.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.