Detailed Project Report
Agro-Tourism Farm
—
Prepared on: 27 October 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹40.78 L
- Term loan from bank
- ₹26.51 L
- Promoter’s contribution
- ₹4.08 L
- Subsidy
- ₹10.20 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-10.36 L
- Average DSCR
- -0.74
- 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
Turn a 4-acre farm into a day-visit and farm-stay destination with cottages, local food, farm activities and an orchard.
| Main product or service | Agro-Tourism Farm |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- City families and day visitors
- Schools and colleges on study tours
- Domestic and foreign tourists seeking rural stays
- Buyers of fruit, crops and nursery plants
- Day packages and 1–2 night stays
- Travel influencers and partnerships
- On-farm outlets selling produce and crafts
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Solar panel | 1 | 1,50,000 | 1,50,000 |
| Electrical set-up including motor, inverter and generator | 1 | 2,00,000 | 2,00,000 |
| Sports equipment (cricket, football, badminton) (× set) | 1 | 5,000 | 5,000 |
| Drip irrigation system | 1 | 1,75,000 | 1,75,000 |
| Bicycles (× 4) | 1 | 4,000 | 4,000 |
| Furniture (× lot) | 1 | 1,00,000 | 1,00,000 |
| Landscaping, garden and plantations (× lot) | 1 | 1,50,000 | 1,50,000 |
| Cottages (5) (× 5) | 1 | 30,00,000 | 30,00,000 |
| Tents (× 10) | 1 | 1,00,000 | 1,00,000 |
| Total | 38,84,000 |
Pre-filled from: Devbhoomi Udyamita Yojana (Uttarakhand DUY) project profile — Agro Tourism. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Farm produce for the kitchen — grown on the 3-acre crop area
- Seeds, saplings and farming tools — farming tools ₹5,000 in the profile
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 38.84 |
| Contingency | 1.94 |
| Total fixed capital | 40.78 |
| Working capital margin | 0.00 |
| Total project cost | 40.78 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 4.08 | 10.0 |
| Subsidy | 10.20 | 25.0 |
| Term loan from bank | 26.51 | 65.0 |
| Total | 40.78 | 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 | 0.82 | 0.82 | 0.82 | 0.82 | 0.82 | 0.82 | 0.82 |
| Insurance | 0.20 | 0.20 | 0.20 | 0.20 | 0.20 | 0.20 | 0.20 |
| Total cost of operations | 3.90 | 3.90 | 3.90 | 3.90 | 3.90 | 3.90 | 3.90 |
| Operating profit (EBITDA) | -3.90 | -3.90 | -3.90 | -3.90 | -3.90 | -3.90 | -3.90 |
| Depreciation | 6.12 | 5.20 | 4.42 | 3.76 | 3.19 | 2.71 | 2.31 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 2.87 | 2.49 | 2.04 | 1.59 | 1.14 | 0.69 | 0.24 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -12.89 | -11.59 | -10.36 | -9.25 | -8.23 | -7.31 | -6.45 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -12.89 | -11.59 | -10.36 | -9.25 | -8.23 | -7.31 | -6.45 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -12.89 | -11.59 | -10.36 | -9.25 | -8.23 | -7.31 | -6.45 |
| Depreciation | 6.12 | 5.20 | 4.42 | 3.76 | 3.19 | 2.71 | 2.31 |
| Cash accruals (PAT + depreciation) | -6.77 | -6.39 | -5.94 | -5.49 | -5.04 | -4.59 | -4.14 |
| Term loan repaid | 2.04 | 4.08 | 4.08 | 4.08 | 4.08 | 4.08 | 4.08 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -8.81 | -10.46 | -10.02 | -9.57 | -9.12 | -8.67 | -8.22 |
| Cash and bank | -8.81 | -19.27 | -29.29 | -38.85 | -47.97 | -56.64 | -64.86 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 14.27 | 14.27 | 14.27 | 14.27 | 14.27 | 14.27 | 14.27 |
| Reserves and surplus | -12.89 | -24.47 | -34.83 | -44.07 | -52.31 | -59.61 | -66.06 |
| Term loan outstanding | 24.47 | 20.39 | 16.31 | 12.23 | 8.16 | 4.08 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 25.86 | 10.19 | -4.24 | -17.56 | -29.88 | -41.26 | -51.79 |
| Net fixed assets | 34.66 | 29.46 | 25.05 | 21.29 | 18.10 | 15.38 | 13.07 |
| 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 | -8.81 | -19.27 | -29.29 | -38.85 | -47.97 | -56.64 | -64.86 |
| Total assets | 25.86 | 10.19 | -4.24 | -17.56 | -29.88 | -41.26 | -51.79 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -0.79 | -0.59 | -0.64 | -0.69 | -0.75 | -0.82 | -0.90 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -0.74 |
|---|---|
| Lowest DSCR | -0.90 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 6.12 | 5.20 | 4.42 | 3.76 | 3.19 | 2.71 | 2.31 |
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 | 26.51 | 2.87 | 2.04 | 24.47 |
| 2 | 24.47 | 2.49 | 4.08 | 20.39 |
| 3 | 20.39 | 2.04 | 4.08 | 16.31 |
| 4 | 16.31 | 1.59 | 4.08 | 12.23 |
| 5 | 12.23 | 1.14 | 4.08 | 8.16 |
| 6 | 8.16 | 0.69 | 4.08 | 4.08 |
| 7 | 4.08 | 0.24 | 4.08 | 0.00 |
17 Licences and registrations
- Udyam
- GST
- Shops and establishments registration and trade licence
- Registration with the Uttarakhand Tourism Development Board
- FSSAI licence for food service
- Fire safety clearance
- Pollution control board consent for water use and waste
- Protected area permit if the farm is in a forest area
18 Government schemes that may apply
- Prime Minister's Employment Generation Programme (PMEGP)
- Pradhan Mantri MUDRA Yojana (PMMY) – Shishu, Kishor, Tarun, Tarun Plus
- Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)
- Agriculture Infrastructure Fund (AIF)
- NHB Capital Investment Subsidy – Commercial Horticulture & Cold Storage (Scheme 1 and Cold Storage Scheme)
19 Sources
- Devbhoomi Udyamita Yojana (Uttarakhand DUY) project profile — Agro Tourism — https://duy-heduk.org/downloads/project-profiles/1.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.