Detailed Project Report
Pineapple Farming
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹1.20 L
- Term loan from bank
- ₹1.08 L
- Promoter’s contribution
- ₹0.12 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-3.12 L
- Average DSCR
- -13.52
- 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
Growing pineapple on one acre from suckers at high density with drip irrigation; a three-year cycle with fruit in the second and third years.
| Main product or service | Pineapple Farming |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Fruit wholesalers in city markets
- Canning (slices) and juice units
- Local fruit retailers
- Bamboo baskets of 20–25 kg by truck to local markets
- Fruit wrapped one by one in paddy straw for distant markets
- Direct supply to processing units
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Tube well with submersible pump | 1 | 40,000 | 40,000 |
| Drip irrigation system with fertigation equipment (× for 1 acre) | 1 | 20,000 | 20,000 |
| Store and pump house | 1 | 15,000 | 15,000 |
| Labour room | 1 | 5,000 | 5,000 |
| Farm implements | 1 | 5,000 | 5,000 |
| Fencing | 1 | 29,580 | 29,580 |
| Total | 1,14,580 |
Pre-filled from: National Horticulture Board model bankable project — Pineapple. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Planting material — pineapple suckers — suckers or slips 5–6 months old flower about 12 months after planting
- Manures and fertilisers — first-year provision in the model
- Insecticides and pesticides — first-year provision in the model
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 1.15 |
| Contingency | 0.06 |
| Total fixed capital | 1.20 |
| Working capital margin | 0.00 |
| Total project cost | 1.20 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 0.12 | 10.0 |
| Term loan from bank | 1.08 | 90.0 |
| Total | 1.20 | 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 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
| Insurance | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Total cost of operations | 2.91 | 2.91 | 2.91 | 2.91 | 2.91 | 2.91 | 2.91 |
| Operating profit (EBITDA) | -2.91 | -2.91 | -2.91 | -2.91 | -2.91 | -2.91 | -2.91 |
| Depreciation | 0.18 | 0.15 | 0.13 | 0.11 | 0.09 | 0.08 | 0.07 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 0.12 | 0.10 | 0.08 | 0.06 | 0.05 | 0.03 | 0.01 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -3.21 | -3.17 | -3.12 | -3.09 | -3.05 | -3.02 | -2.99 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -3.21 | -3.17 | -3.12 | -3.09 | -3.05 | -3.02 | -2.99 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -3.21 | -3.17 | -3.12 | -3.09 | -3.05 | -3.02 | -2.99 |
| Depreciation | 0.18 | 0.15 | 0.13 | 0.11 | 0.09 | 0.08 | 0.07 |
| Cash accruals (PAT + depreciation) | -3.03 | -3.01 | -2.99 | -2.97 | -2.96 | -2.94 | -2.92 |
| Term loan repaid | 0.08 | 0.17 | 0.17 | 0.17 | 0.17 | 0.17 | 0.17 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -3.11 | -3.18 | -3.16 | -3.14 | -3.12 | -3.10 | -3.09 |
| Cash and bank | -3.11 | -6.29 | -9.45 | -12.59 | -15.71 | -18.82 | -21.90 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 |
| Reserves and surplus | -3.21 | -6.37 | -9.50 | -12.58 | -15.63 | -18.65 | -21.64 |
| Term loan outstanding | 1.00 | 0.83 | 0.67 | 0.50 | 0.33 | 0.17 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | -2.09 | -5.42 | -8.71 | -11.96 | -15.18 | -18.36 | -21.52 |
| Net fixed assets | 1.02 | 0.87 | 0.74 | 0.63 | 0.53 | 0.45 | 0.39 |
| 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 | -3.11 | -6.29 | -9.45 | -12.59 | -15.71 | -18.82 | -21.90 |
| Total assets | -2.09 | -5.42 | -8.71 | -11.96 | -15.18 | -18.36 | -21.52 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -14.51 | -10.85 | -11.65 | -12.57 | -13.65 | -14.94 | -16.49 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -13.52 |
|---|---|
| Lowest DSCR | -16.49 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 0.18 | 0.15 | 0.13 | 0.11 | 0.09 | 0.08 | 0.07 |
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 | 1.08 | 0.12 | 0.08 | 1.00 |
| 2 | 1.00 | 0.10 | 0.17 | 0.83 |
| 3 | 0.83 | 0.08 | 0.17 | 0.67 |
| 4 | 0.67 | 0.06 | 0.17 | 0.50 |
| 5 | 0.50 | 0.05 | 0.17 | 0.33 |
| 6 | 0.33 | 0.03 | 0.17 | 0.17 |
| 7 | 0.17 | 0.01 | 0.17 | 0.00 |
17 Licences and registrations
- No licence is needed to grow fruit on your own or leased farm land
- Land ownership or registered lease papers (banks and subsidy offices ask for them)
- Permission for a new borewell where the state groundwater authority requires it
- For export: Import Export Code, APEDA registration and a phytosanitary certificate
18 Government schemes that may apply
- NHB Capital Investment Subsidy – Commercial Horticulture & Cold Storage (Scheme 1 and Cold Storage Scheme)
19 Sources
- National Horticulture Board model bankable project — Pineapple — https://nhb.gov.in/model-project-reports/Pineapple.htm
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.