Detailed Project Report
Fish Disease Diagnostic and Water Quality Testing Lab
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹144.32 L
- Term loan from bank
- ₹129.89 L
- Promoter’s contribution
- ₹14.43 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-32.11 L
- Average DSCR
- -0.25
- 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
A fixed or mobile lab that tests pond water and soil and diagnoses fish and shrimp diseases for farmers.
| Main product or service | Fish Disease Diagnostic and Water Quality Testing Lab |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Fish and shrimp farmers
- Hatcheries and feed dealers
- Per-sample testing at the lab
- Farm visits by the mobile unit
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Disease diagnostic and quality testing lab, complete unit | 1 | 25,00,000 | 25,00,000 |
| Mobile disease diagnostic and quality testing lab/clinic | 1 | 35,00,000 | 35,00,000 |
| Stationary or mobile aqua lab for fish and shrimp disease diagnosis (Andhra Pradesh) | 1 | 41,00,000 | 41,00,000 |
| Mobile aqua lab for disease diagnosis (Andhra Pradesh) | 1 | 36,45,000 | 36,45,000 |
| Total | 1,37,45,000 |
Pre-filled from: Department of Fisheries, Government of West Bengal — PMMSY list of beneficiary-oriented schemes (unit costs); NABARD Andhra Pradesh Regional Office — A Comprehensive Guide of Unit Costs on Investment in Agriculture and Allied Sectors 2025-26. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Test kits, reagents and glassware — bought from laboratory suppliers
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 137.45 |
| Contingency | 6.87 |
| Total fixed capital | 144.32 |
| Working capital margin | 0.00 |
| Total project cost | 144.32 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 14.43 | 10.0 |
| Term loan from bank | 129.89 | 90.0 |
| Total | 144.32 | 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 | 2.89 | 2.89 | 2.89 | 2.89 | 2.89 | 2.89 | 2.89 |
| Insurance | 0.72 | 0.72 | 0.72 | 0.72 | 0.72 | 0.72 | 0.72 |
| Total cost of operations | 6.49 | 6.49 | 6.49 | 6.49 | 6.49 | 6.49 | 6.49 |
| Operating profit (EBITDA) | -6.49 | -6.49 | -6.49 | -6.49 | -6.49 | -6.49 | -6.49 |
| Depreciation | 21.65 | 18.40 | 15.64 | 13.29 | 11.30 | 9.61 | 8.16 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 14.06 | 12.18 | 9.98 | 7.79 | 5.59 | 3.39 | 1.19 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -42.20 | -37.07 | -32.11 | -27.57 | -23.38 | -19.48 | -15.84 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -42.20 | -37.07 | -32.11 | -27.57 | -23.38 | -19.48 | -15.84 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -42.20 | -37.07 | -32.11 | -27.57 | -23.38 | -19.48 | -15.84 |
| Depreciation | 21.65 | 18.40 | 15.64 | 13.29 | 11.30 | 9.61 | 8.16 |
| Cash accruals (PAT + depreciation) | -20.55 | -18.67 | -16.47 | -14.27 | -12.08 | -9.88 | -7.68 |
| Term loan repaid | 9.99 | 19.98 | 19.98 | 19.98 | 19.98 | 19.98 | 19.98 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -30.54 | -38.65 | -36.45 | -34.26 | -32.06 | -29.86 | -27.66 |
| Cash and bank | -30.54 | -69.19 | -105.65 | -139.90 | -171.96 | -201.82 | -229.48 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 14.43 | 14.43 | 14.43 | 14.43 | 14.43 | 14.43 | 14.43 |
| Reserves and surplus | -42.20 | -79.27 | -111.38 | -138.95 | -162.32 | -181.80 | -197.65 |
| Term loan outstanding | 119.90 | 99.92 | 79.93 | 59.95 | 39.97 | 19.98 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 92.14 | 35.08 | -17.01 | -64.56 | -107.92 | -147.39 | -183.22 |
| Net fixed assets | 122.67 | 104.27 | 88.63 | 75.34 | 64.04 | 54.43 | 46.27 |
| 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 | -30.54 | -69.19 | -105.65 | -139.90 | -171.96 | -201.82 | -229.48 |
| Total assets | 92.14 | 35.08 | -17.01 | -64.56 | -107.92 | -147.39 | -183.22 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -0.27 | -0.20 | -0.22 | -0.23 | -0.25 | -0.28 | -0.31 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -0.25 |
|---|---|
| Lowest DSCR | -0.31 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 21.65 | 18.40 | 15.64 | 13.29 | 11.30 | 9.61 | 8.16 |
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 | 129.89 | 14.06 | 9.99 | 119.90 |
| 2 | 119.90 | 12.18 | 19.98 | 99.92 |
| 3 | 99.92 | 9.98 | 19.98 | 79.93 |
| 4 | 79.93 | 7.79 | 19.98 | 59.95 |
| 5 | 59.95 | 5.59 | 19.98 | 39.97 |
| 6 | 39.97 | 3.39 | 19.98 | 19.98 |
| 7 | 19.98 | 1.19 | 19.98 | 0.00 |
17 Licences and registrations
- Udyam registration
- Trade licence / Shop and Establishment registration
- Registration or empanelment with the State Fisheries Department where required
- Vehicle registration and insurance for a mobile lab
18 Government schemes that may apply
- Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)
19 Sources
- Department of Fisheries, Government of West Bengal — PMMSY list of beneficiary-oriented schemes (unit costs) — https://wbfisheries.wb.gov.in/official/pdf_upload_file/58091877_2023-05-29_Beneficiar-Oriented-Schemes.pdf
- NABARD Andhra Pradesh Regional Office — A Comprehensive Guide of Unit Costs on Investment in Agriculture and Allied Sectors 2025-26 — https://www.nabard.org/auth/writereaddata/tender/pub_2409250327511846.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.