Detailed Project Report
Private Veterinary Clinic (Rural)
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹1.34 L
- Term loan from bank
- ₹1.21 L
- Promoter’s contribution
- ₹0.13 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-3.15 L
- Average DSCR
- -12.12
- 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 veterinarian's own clinic that treats cattle and other livestock at the farmer's doorstep and does artificial insemination, vaccination and minor surgery for a fee.
| Main product or service | Private Veterinary Clinic (Rural) |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Dairy farmers in milk shed areas
- Poultry farmers
- Livestock owners in irrigated tracts
- Doorstep visits on call
- Treatment and insemination at the clinic
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Infrastructure items — refrigerator, telephone, furniture, motorcycle | 1 | 74,000 | 74,000 |
| Equipment — surgical implements, laboratory equipment, AI kit, cryocans (big and small) | 1 | 54,000 | 54,000 |
| Total | 1,28,000 |
Pre-filled from: MANAGE Agri-Clinics & Agri-Business Centres model project — Private Veterinary Clinic. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Vaccines, lab chemicals and stationery — ₹0.18 lakh in the project cost
- Frozen semen and liquid nitrogen — from the state government at cost, or from other suppliers
- Veterinary medicines
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 1.28 |
| Contingency | 0.06 |
| Total fixed capital | 1.34 |
| Working capital margin | 0.00 |
| Total project cost | 1.34 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 0.13 | 10.0 |
| Term loan from bank | 1.21 | 90.0 |
| Total | 1.34 | 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 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 |
| 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 | 0.20 | 0.17 | 0.15 | 0.12 | 0.11 | 0.09 | 0.08 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 0.13 | 0.11 | 0.09 | 0.07 | 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 | -3.25 | -3.20 | -3.15 | -3.11 | -3.07 | -3.03 | -3.00 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -3.25 | -3.20 | -3.15 | -3.11 | -3.07 | -3.03 | -3.00 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -3.25 | -3.20 | -3.15 | -3.11 | -3.07 | -3.03 | -3.00 |
| Depreciation | 0.20 | 0.17 | 0.15 | 0.12 | 0.11 | 0.09 | 0.08 |
| Cash accruals (PAT + depreciation) | -3.04 | -3.03 | -3.01 | -2.99 | -2.97 | -2.95 | -2.92 |
| Term loan repaid | 0.09 | 0.19 | 0.19 | 0.19 | 0.19 | 0.19 | 0.19 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -3.14 | -3.21 | -3.19 | -3.17 | -3.15 | -3.13 | -3.11 |
| Cash and bank | -3.14 | -6.35 | -9.54 | -12.72 | -15.87 | -19.00 | -22.11 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 0.13 | 0.13 | 0.13 | 0.13 | 0.13 | 0.13 | 0.13 |
| Reserves and surplus | -3.25 | -6.44 | -9.60 | -12.71 | -15.78 | -18.81 | -21.81 |
| Term loan outstanding | 1.12 | 0.93 | 0.74 | 0.56 | 0.37 | 0.19 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | -2.00 | -5.38 | -8.72 | -12.01 | -15.27 | -18.49 | -21.68 |
| Net fixed assets | 1.14 | 0.97 | 0.83 | 0.70 | 0.60 | 0.51 | 0.43 |
| 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 | -3.14 | -6.35 | -9.54 | -12.72 | -15.87 | -19.00 | -22.11 |
| Total assets | -2.00 | -5.38 | -8.72 | -12.01 | -15.27 | -18.49 | -21.68 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -13.01 | -9.73 | -10.44 | -11.27 | -12.24 | -13.39 | -14.78 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -12.12 |
|---|---|
| Lowest DSCR | -14.78 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 0.20 | 0.17 | 0.15 | 0.12 | 0.11 | 0.09 | 0.08 |
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 | 1.21 | 0.13 | 0.09 | 1.12 |
| 2 | 1.12 | 0.11 | 0.19 | 0.93 |
| 3 | 0.93 | 0.09 | 0.19 | 0.74 |
| 4 | 0.74 | 0.07 | 0.19 | 0.56 |
| 5 | 0.56 | 0.05 | 0.19 | 0.37 |
| 6 | 0.37 | 0.03 | 0.19 | 0.19 |
| 7 | 0.19 | 0.01 | 0.19 | 0.00 |
17 Licences and registrations
- Veterinary degree and registration with the State Veterinary Council
- Drug licence if you stock and sell veterinary medicines
- Bio-medical waste authorisation as the State Pollution Control Board requires
- Trade or shop and establishment registration where the local body requires it
18 Government schemes that may apply
- Pradhan Mantri MUDRA Yojana (PMMY) – Shishu, Kishor, Tarun, Tarun Plus
19 Sources
- MANAGE Agri-Clinics & Agri-Business Centres model project — Private Veterinary Clinic — https://www.agriclinics.net/veterinary.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.