Detailed Project Report
Agri Inputs Store (Seeds, Fertilisers, Pesticides)
—
Prepared on: 27 October 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹8.61 L
- Term loan from bank
- ₹7.75 L
- Promoter’s contribution
- ₹0.86 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-4.62 L
- Average DSCR
- -2.01
- 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
Sell seeds, fertilisers, pesticides, farm tools and organic inputs to farmers, with advice on what to use.
| Main product or service | Agri Inputs Store (Seeds, Fertilisers, Pesticides) |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Small and marginal farmers
- Orchard and vegetable growers
- FPOs and kitchen gardeners
- Walk-in sales with crop advice
- Village outreach before each sowing season
- Phone and online orders
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Weighing scale (× 2) | 1 | 20,000 | 20,000 |
| Hand carts for heavy fertiliser bags (× 2) | 1 | 50,000 | 50,000 |
| Computer and printer | 1 | 70,000 | 70,000 |
| Shelves (× 10) | 1 | 1,50,000 | 1,50,000 |
| Storage cabinets and drawers (× 10) | 1 | 5,00,000 | 5,00,000 |
| Display tables or stands (× 2) | 1 | 30,000 | 30,000 |
| Total | 8,20,000 |
Pre-filled from: Uttarakhand DUY project profile — Agri Inputs Sales. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Seeds, fertilisers, pesticides and herbicides — bought from manufacturers and authorised distributors
- Organic fertilisers and bio-pesticides — for organic and hill farming
- Hand tools and small farm equipment — suited to terrace farming
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 8.20 |
| Contingency | 0.41 |
| Total fixed capital | 8.61 |
| Working capital margin | 0.00 |
| Total project cost | 8.61 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 0.86 | 10.0 |
| Term loan from bank | 7.75 | 90.0 |
| Total | 8.61 | 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 | 0.17 | 0.17 | 0.17 | 0.17 | 0.17 | 0.17 | 0.17 |
| Insurance | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Total cost of operations | 3.10 | 3.10 | 3.10 | 3.10 | 3.10 | 3.10 | 3.10 |
| Operating profit (EBITDA) | -3.10 | -3.10 | -3.10 | -3.10 | -3.10 | -3.10 | -3.10 |
| Depreciation | 1.29 | 1.10 | 0.93 | 0.79 | 0.67 | 0.57 | 0.49 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 0.84 | 0.73 | 0.60 | 0.46 | 0.33 | 0.20 | 0.07 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -5.23 | -4.92 | -4.62 | -4.35 | -4.10 | -3.87 | -3.65 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -5.23 | -4.92 | -4.62 | -4.35 | -4.10 | -3.87 | -3.65 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -5.23 | -4.92 | -4.62 | -4.35 | -4.10 | -3.87 | -3.65 |
| Depreciation | 1.29 | 1.10 | 0.93 | 0.79 | 0.67 | 0.57 | 0.49 |
| Cash accruals (PAT + depreciation) | -3.93 | -3.82 | -3.69 | -3.56 | -3.43 | -3.30 | -3.17 |
| Term loan repaid | 0.60 | 1.19 | 1.19 | 1.19 | 1.19 | 1.19 | 1.19 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -4.53 | -5.01 | -4.88 | -4.75 | -4.62 | -4.49 | -4.36 |
| Cash and bank | -4.53 | -9.54 | -14.43 | -19.18 | -23.80 | -28.29 | -32.65 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 0.86 | 0.86 | 0.86 | 0.86 | 0.86 | 0.86 | 0.86 |
| Reserves and surplus | -5.23 | -10.15 | -14.77 | -19.12 | -23.22 | -27.10 | -30.75 |
| Term loan outstanding | 7.15 | 5.96 | 4.77 | 3.58 | 2.38 | 1.19 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 2.79 | -3.32 | -9.14 | -14.68 | -19.98 | -25.04 | -29.89 |
| Net fixed assets | 7.32 | 6.22 | 5.29 | 4.49 | 3.82 | 3.25 | 2.76 |
| 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 | -4.53 | -9.54 | -14.43 | -19.18 | -23.80 | -28.29 | -32.65 |
| Total assets | 2.79 | -3.32 | -9.14 | -14.68 | -19.98 | -25.04 | -29.89 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -2.16 | -1.61 | -1.73 | -1.87 | -2.03 | -2.22 | -2.45 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -2.01 |
|---|---|
| Lowest DSCR | -2.45 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 1.29 | 1.10 | 0.93 | 0.79 | 0.67 | 0.57 | 0.49 |
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 | 7.75 | 0.84 | 0.60 | 7.15 |
| 2 | 7.15 | 0.73 | 1.19 | 5.96 |
| 3 | 5.96 | 0.60 | 1.19 | 4.77 |
| 4 | 4.77 | 0.46 | 1.19 | 3.58 |
| 5 | 3.58 | 0.33 | 1.19 | 2.38 |
| 6 | 2.38 | 0.20 | 1.19 | 1.19 |
| 7 | 1.19 | 0.07 | 1.19 | 0.00 |
17 Licences and registrations
- Seed selling licence (Seeds (Control) Order, 1983)
- Fertiliser dealer authorisation (Fertiliser (Control) Order, 1985)
- Insecticide selling licence (Insecticides Act, 1968)
- Business registration and trade licence from the municipal body or panchayat
- GST registration
18 Government schemes that may apply
- Pradhan Mantri MUDRA Yojana (PMMY) – Shishu, Kishor, Tarun, Tarun Plus
- Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)
- Stand-Up India
19 Sources
- Uttarakhand DUY project profile — Agri Inputs Sales — https://duy-heduk.org/downloads/project-profiles/agri-inputs-sales.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.