Detailed Project Report
Aquaponics Farm (Fish and Vegetables Together)
—
Prepared on: 29 October 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹23.63 L
- Term loan from bank
- ₹21.26 L
- Promoter’s contribution
- ₹2.36 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-7.67 L
- Average DSCR
- -0.82
- 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
Raise tilapia in tanks and grow lettuce, herbs and cherry tomatoes on the same recirculating water in a half-acre greenhouse.
| Main product or service | Aquaponics Farm (Fish and Vegetables Together) |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Health-conscious city households
- Premium restaurants and hotels
- Organic and specialty food stores
- Schools, hospitals and farmers' markets
- On-site farm shop (30% of revenue)
- Restaurant and hotel partnerships (25%)
- Subscription vegetable and fish boxes (20%)
- Farmers' markets and specialty stores (15%)
- Educational tours and workshops (10%)
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Greenhouse structures (1,500 m²) | 1 | 8,00,000 | 8,00,000 |
| Recirculating aquaculture system with 6 fish tanks of 5,000 litres | 1 | 5,00,000 | 5,00,000 |
| Hydroponic system (200 m NFT channels, deep-water rafts) | 1 | 3,50,000 | 3,50,000 |
| Water treatment and filtration | 1 | 2,00,000 | 2,00,000 |
| Environmental controls | 1 | 1,50,000 | 1,50,000 |
| Tools and equipment (× 1 set) | 1 | 1,00,000 | 1,00,000 |
| Delivery vehicle | 1 | 1,50,000 | 1,50,000 |
| Total | 22,50,000 |
Pre-filled from: Uttarakhand DUY project profile — Aquaculture (Aquaponics) Farming Venture. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Tilapia fingerlings — ₹30,000 in year 1
- Fish feed — ₹60,000 in year 1
- Seeds and seedlings — ₹40,000 in year 1
- Growing media and organic pest control — ₹15,000 and ₹10,000 in year 1
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 22.50 |
| Contingency | 1.13 |
| Total fixed capital | 23.63 |
| Working capital margin | 0.00 |
| Total project cost | 23.63 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 2.36 | 10.0 |
| Term loan from bank | 21.26 | 90.0 |
| Total | 23.63 | 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 | 0.47 | 0.47 | 0.47 | 0.47 | 0.47 | 0.47 | 0.47 |
| Insurance | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 |
| Total cost of operations | 3.47 | 3.47 | 3.47 | 3.47 | 3.47 | 3.47 | 3.47 |
| Operating profit (EBITDA) | -3.47 | -3.47 | -3.47 | -3.47 | -3.47 | -3.47 | -3.47 |
| Depreciation | 3.54 | 3.01 | 2.56 | 2.18 | 1.85 | 1.57 | 1.34 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 2.30 | 1.99 | 1.63 | 1.27 | 0.91 | 0.55 | 0.19 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -9.32 | -8.48 | -7.67 | -6.92 | -6.24 | -5.60 | -5.00 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -9.32 | -8.48 | -7.67 | -6.92 | -6.24 | -5.60 | -5.00 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -9.32 | -8.48 | -7.67 | -6.92 | -6.24 | -5.60 | -5.00 |
| Depreciation | 3.54 | 3.01 | 2.56 | 2.18 | 1.85 | 1.57 | 1.34 |
| Cash accruals (PAT + depreciation) | -5.77 | -5.46 | -5.10 | -4.75 | -4.39 | -4.03 | -3.67 |
| Term loan repaid | 1.64 | 3.27 | 3.27 | 3.27 | 3.27 | 3.27 | 3.27 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -7.41 | -8.74 | -8.38 | -8.02 | -7.66 | -7.30 | -6.94 |
| Cash and bank | -7.41 | -16.14 | -24.52 | -32.54 | -40.19 | -47.49 | -54.43 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 2.36 | 2.36 | 2.36 | 2.36 | 2.36 | 2.36 | 2.36 |
| Reserves and surplus | -9.32 | -17.79 | -25.46 | -32.38 | -38.61 | -44.21 | -49.21 |
| Term loan outstanding | 19.63 | 16.36 | 13.08 | 9.81 | 6.54 | 3.27 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 12.67 | 0.93 | -10.01 | -20.20 | -29.71 | -38.58 | -46.85 |
| Net fixed assets | 20.08 | 17.07 | 14.51 | 12.33 | 10.48 | 8.91 | 7.57 |
| 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 | -7.41 | -16.14 | -24.52 | -32.54 | -40.19 | -47.49 | -54.43 |
| Total assets | 12.67 | 0.93 | -10.01 | -20.20 | -29.71 | -38.58 | -46.85 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -0.88 | -0.66 | -0.71 | -0.76 | -0.83 | -0.91 | -1.00 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -0.82 |
|---|---|
| Lowest DSCR | -1.00 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 3.54 | 3.01 | 2.56 | 2.18 | 1.85 | 1.57 | 1.34 |
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 | 21.26 | 2.30 | 1.64 | 19.63 |
| 2 | 19.63 | 1.99 | 3.27 | 16.36 |
| 3 | 16.36 | 1.63 | 3.27 | 13.08 |
| 4 | 13.08 | 1.27 | 3.27 | 9.81 |
| 5 | 9.81 | 0.91 | 3.27 | 6.54 |
| 6 | 6.54 | 0.55 | 3.27 | 3.27 |
| 7 | 3.27 | 0.19 | 3.27 | 0.00 |
17 Licences and registrations
- Permission from the state fisheries department to culture tilapia (central guidelines restrict who may farm it)
- FSSAI registration for packed produce
- Udyam
- GST where applicable
- Organic or sustainability certification (optional, report)
18 Government schemes that may apply
- Agriculture Infrastructure Fund (AIF)
- Pradhan Mantri MUDRA Yojana (PMMY) – Shishu, Kishor, Tarun, Tarun Plus
- Stand-Up India
19 Sources
- Uttarakhand DUY project profile — Aquaculture (Aquaponics) Farming Venture — https://duy-heduk.org/downloads/project-profiles/aquaculture_farming_venture.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.