Detailed Project Report
Organic Vegetable Export Business
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹29.40 L
- Term loan from bank
- ₹26.46 L
- Promoter’s contribution
- ₹2.94 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-8.83 L
- Average DSCR
- -0.69
- 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
Collect certified organic vegetables from farms, wash, grade, pre-cool and pack them in a packhouse, and ship to buyers in the UAE, UK, Europe and South-East Asia.
| Main product or service | Organic Vegetable Export Business |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Organic grocery chains and supermarkets abroad
- Hotels, airlines and cruise lines
- Schools, hospitals and wellness centres
- Online organic delivery platforms
- Direct contracts with importers
- APEDA-supported international trade fairs
- Trial shipments, then repeat orders
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Packhouse washing and sorting line | 1 | 0 | 0 |
| Pre-cooling unit | 1 | 0 | 0 |
| Cold storage (5–8 MT) | 1 | 10,00,000 | 10,00,000 |
| Vacuum packers and sealers for leafy greens | 1 | 0 | 0 |
| Food-grade crates | 1 | 0 | 0 |
| Refrigerated transport boxes | 1 | 0 | 0 |
| Packhouse and pre-cooling unit (total) | 1 | 12,00,000 | 12,00,000 |
| Sorting and packaging unit (total) | 1 | 6,00,000 | 6,00,000 |
| Total | 28,00,000 |
Pre-filled from: Uttarakhand DUY project profile — Organic Vegetable Export Business. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Certified organic vegetables — from NPOP-certified farms, farmer groups, cooperatives or contract growers
- Food-grade cartons, punnets, crates, labels with QR codes — packing
- Potable water and approved organic sanitisers — for washing
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 28.00 |
| Contingency | 1.40 |
| Total fixed capital | 29.40 |
| Working capital margin | 0.00 |
| Total project cost | 29.40 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 2.94 | 10.0 |
| Term loan from bank | 26.46 | 90.0 |
| Total | 29.40 | 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 | 0.59 | 0.59 | 0.59 | 0.59 | 0.59 | 0.59 | 0.59 |
| Insurance | 0.15 | 0.15 | 0.15 | 0.15 | 0.15 | 0.15 | 0.15 |
| Total cost of operations | 3.62 | 3.62 | 3.62 | 3.62 | 3.62 | 3.62 | 3.62 |
| Operating profit (EBITDA) | -3.62 | -3.62 | -3.62 | -3.62 | -3.62 | -3.62 | -3.62 |
| Depreciation | 4.41 | 3.75 | 3.19 | 2.71 | 2.30 | 1.96 | 1.66 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 2.86 | 2.48 | 2.03 | 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 | -10.89 | -9.84 | -8.83 | -7.91 | -7.06 | -6.26 | -5.52 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -10.89 | -9.84 | -8.83 | -7.91 | -7.06 | -6.26 | -5.52 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -10.89 | -9.84 | -8.83 | -7.91 | -7.06 | -6.26 | -5.52 |
| Depreciation | 4.41 | 3.75 | 3.19 | 2.71 | 2.30 | 1.96 | 1.66 |
| Cash accruals (PAT + depreciation) | -6.48 | -6.10 | -5.65 | -5.20 | -4.75 | -4.31 | -3.86 |
| Term loan repaid | 2.04 | 4.07 | 4.07 | 4.07 | 4.07 | 4.07 | 4.07 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -8.51 | -10.17 | -9.72 | -9.27 | -8.82 | -8.38 | -7.93 |
| Cash and bank | -8.51 | -18.68 | -28.40 | -37.67 | -46.50 | -54.87 | -62.80 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 2.94 | 2.94 | 2.94 | 2.94 | 2.94 | 2.94 | 2.94 |
| Reserves and surplus | -10.89 | -20.73 | -29.57 | -37.48 | -44.53 | -50.80 | -56.32 |
| Term loan outstanding | 24.42 | 20.35 | 16.28 | 12.21 | 8.14 | 4.07 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 16.48 | 2.56 | -10.35 | -22.33 | -33.45 | -43.78 | -53.38 |
| Net fixed assets | 24.99 | 21.24 | 18.06 | 15.35 | 13.04 | 11.09 | 9.42 |
| 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 | -8.51 | -18.68 | -28.40 | -37.67 | -46.50 | -54.87 | -62.80 |
| Total assets | 16.48 | 2.56 | -10.35 | -22.33 | -33.45 | -43.78 | -53.38 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -0.74 | -0.55 | -0.59 | -0.64 | -0.69 | -0.76 | -0.84 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -0.69 |
|---|---|
| Lowest DSCR | -0.84 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 4.41 | 3.75 | 3.19 | 2.71 | 2.30 | 1.96 | 1.66 |
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 | 26.46 | 2.86 | 2.04 | 24.42 |
| 2 | 24.42 | 2.48 | 4.07 | 20.35 |
| 3 | 20.35 | 2.03 | 4.07 | 16.28 |
| 4 | 16.28 | 1.59 | 4.07 | 12.21 |
| 5 | 12.21 | 1.14 | 4.07 | 8.14 |
| 6 | 8.14 | 0.69 | 4.07 | 4.07 |
| 7 | 4.07 | 0.24 | 4.07 | 0.00 |
17 Licences and registrations
- Import Export Code (IEC) from DGFT
- FSSAI licence
- APEDA registration
- Organic certification: NPOP; NOP for the USA; EU organic for Europe
- GST
- Phytosanitary certificate and plant quarantine clearance
- Certificate of Origin where FTA benefits apply
18 Government schemes that may apply
- Agriculture Infrastructure Fund (AIF)
- NHB Capital Investment Subsidy – Commercial Horticulture & Cold Storage (Scheme 1 and Cold Storage Scheme)
- Pradhan Mantri MUDRA Yojana (PMMY) – Shishu, Kishor, Tarun, Tarun Plus
- Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)
19 Sources
- Uttarakhand DUY project profile — Organic Vegetable Export Business — https://duy-heduk.org/downloads/project-profiles/6.%20ORGANIC%20VEGETABLE%20EXPORT%20BUSINESS.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.