Detailed Project Report
Plant Protection Services Centre (Crop Pest Advice and Spraying)
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹2.84 L
- Term loan from bank
- ₹1.84 L
- Promoter’s contribution
- ₹0.28 L
- Subsidy
- ₹0.71 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-3.40 L
- Average DSCR
- -8.06
- 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 centre that diagnoses crop pests and diseases, sprays farmers' fields for a charge and sells neem products and bio-control agents.
| Main product or service | Plant Protection Services Centre (Crop Pest Advice and Spraying) |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Farmers growing fruits, vegetables, pulses, oilseeds and cotton
- Sericulture rearing houses needing spray services
- Farmers and grain stores needing rodent control and fumigation advice
- Regular farm visits and prescriptions
- Seed-to-harvest package agreements with farmers
- Sale of Trichogramma egg cards and neem-based formulations from the centre
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Power sprayers (× 4) | 1 | 25,000 | 25,000 |
| Hand sprayers and dusters (× 10) | 1 | 20,000 | 20,000 |
| Refrigerators and stabilisers (× 2 each) | 1 | 40,000 | 40,000 |
| Compound microscope | 1 | 15,000 | 15,000 |
| Audio-visual aids, colour projector and materials | 1 | 20,000 | 20,000 |
| Two-wheeler and autorickshaw | 1 | 1,50,000 | 1,50,000 |
| Total | 2,70,000 |
Pre-filled from: MANAGE Agri-Clinics & Agri-Business Centres model project — Plant Protection Services Centre. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Neem seed, cake and oil — opening stock ₹25,000
- Cultures for mass multiplication of predators and parasites (such as Trichogramma) — ₹93,000 provided in the model
- NPV, Trichoderma and Bt — stock of ₹25,000, bought as pest outbreaks demand
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 2.70 |
| Contingency | 0.14 |
| Total fixed capital | 2.84 |
| Working capital margin | 0.00 |
| Total project cost | 2.84 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 0.28 | 10.0 |
| Subsidy | 0.71 | 25.0 |
| Term loan from bank | 1.84 | 65.0 |
| Total | 2.84 | 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 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 |
| Insurance | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Total cost of operations | 2.95 | 2.95 | 2.95 | 2.95 | 2.95 | 2.95 | 2.95 |
| Operating profit (EBITDA) | -2.95 | -2.95 | -2.95 | -2.95 | -2.95 | -2.95 | -2.95 |
| Depreciation | 0.43 | 0.36 | 0.31 | 0.26 | 0.22 | 0.19 | 0.16 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 0.20 | 0.17 | 0.14 | 0.11 | 0.08 | 0.05 | 0.02 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -3.58 | -3.49 | -3.40 | -3.32 | -3.25 | -3.19 | -3.13 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -3.58 | -3.49 | -3.40 | -3.32 | -3.25 | -3.19 | -3.13 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -3.58 | -3.49 | -3.40 | -3.32 | -3.25 | -3.19 | -3.13 |
| Depreciation | 0.43 | 0.36 | 0.31 | 0.26 | 0.22 | 0.19 | 0.16 |
| Cash accruals (PAT + depreciation) | -3.15 | -3.12 | -3.09 | -3.06 | -3.03 | -3.00 | -2.97 |
| Term loan repaid | 0.14 | 0.28 | 0.28 | 0.28 | 0.28 | 0.28 | 0.28 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -3.29 | -3.41 | -3.38 | -3.34 | -3.31 | -3.28 | -3.25 |
| Cash and bank | -3.29 | -6.70 | -10.08 | -13.42 | -16.73 | -20.02 | -23.27 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 0.99 | 0.99 | 0.99 | 0.99 | 0.99 | 0.99 | 0.99 |
| Reserves and surplus | -3.58 | -7.06 | -10.46 | -13.78 | -17.04 | -20.22 | -23.35 |
| Term loan outstanding | 1.70 | 1.42 | 1.13 | 0.85 | 0.57 | 0.28 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | -0.88 | -4.65 | -8.33 | -11.94 | -15.48 | -18.95 | -22.36 |
| Net fixed assets | 2.41 | 2.05 | 1.74 | 1.48 | 1.26 | 1.07 | 0.91 |
| 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 | -3.29 | -6.70 | -10.08 | -13.42 | -16.73 | -20.02 | -23.27 |
| Total assets | -0.88 | -4.65 | -8.33 | -11.94 | -15.48 | -18.95 | -22.36 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -8.65 | -6.47 | -6.94 | -7.49 | -8.13 | -8.90 | -9.82 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -8.06 |
|---|---|
| Lowest DSCR | -9.82 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 0.43 | 0.36 | 0.31 | 0.26 | 0.22 | 0.19 | 0.16 |
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 | 1.84 | 0.20 | 0.14 | 1.70 |
| 2 | 1.70 | 0.17 | 0.28 | 1.42 |
| 3 | 1.42 | 0.14 | 0.28 | 1.13 |
| 4 | 1.13 | 0.11 | 0.28 | 0.85 |
| 5 | 0.85 | 0.08 | 0.28 | 0.57 |
| 6 | 0.57 | 0.05 | 0.28 | 0.28 |
| 7 | 0.28 | 0.02 | 0.28 | 0.00 |
17 Licences and registrations
- Udyam registration
- Licence under the Insecticides Act from the State Agriculture Department if you stock, sell or commercially apply chemical pesticides
- Registration of bio-pesticide products under the Insecticides Act where it applies
- Trade licence from the local body
- Vehicle registration and driving licence for the two-wheeler and autorickshaw
18 Government schemes that may apply
- Prime Minister's Employment Generation Programme (PMEGP)
- Pradhan Mantri MUDRA Yojana (PMMY) – Shishu, Kishor, Tarun, Tarun Plus
19 Sources
- MANAGE Agri-Clinics & Agri-Business Centres model project — Plant Protection Services Centre — https://www.agriclinics.net/plantprotection.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.