Detailed Project Report
Rural Tourism Village Stay
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹63.00 L
- Term loan from bank
- ₹56.70 L
- Promoter’s contribution
- ₹6.30 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-15.64 L
- Average DSCR
- -0.40
- 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
Fifteen village-style huts on five leased acres where city families live, eat and work like villagers for a few days.
| Main product or service | Rural Tourism Village Stay |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- City families and couples
- Corporate, student and senior-citizen groups
- Foreign tourists seeking village life
- Own website and social media
- Online travel booking platforms
- Tie-ups with state tourism agencies
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Huts with bathrooms, dining area, reception and office (× 15 huts) | 1 | 25,00,000 | 25,00,000 |
| Furniture and furnishing, AC in 10 huts (× 1 lot) | 1 | 15,00,000 | 15,00,000 |
| Kitchen equipment, crockery, utensils, housekeeping equipment and DG set (× 1 lot) | 1 | 7,00,000 | 7,00,000 |
| Utility vehicle, bicycles, carts and livestock (× 1 lot) | 1 | 13,00,000 | 13,00,000 |
| Total | 60,00,000 |
Pre-filled from: SIDBI Stand-Up Mitra project profile — Rural Tourism. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Food and beverage for guests — about 10% of package tariff in the report
- Toiletries, laundry and housekeeping supplies — ₹2.00 L a year in year 2
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 60.00 |
| Contingency | 3.00 |
| Total fixed capital | 63.00 |
| Working capital margin | 0.00 |
| Total project cost | 63.00 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 6.30 | 10.0 |
| Term loan from bank | 56.70 | 90.0 |
| Total | 63.00 | 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 | 1.26 | 1.26 | 1.26 | 1.26 | 1.26 | 1.26 | 1.26 |
| Insurance | 0.32 | 0.32 | 0.32 | 0.32 | 0.32 | 0.32 | 0.32 |
| Total cost of operations | 4.46 | 4.46 | 4.46 | 4.46 | 4.46 | 4.46 | 4.46 |
| Operating profit (EBITDA) | -4.46 | -4.46 | -4.46 | -4.46 | -4.46 | -4.46 | -4.46 |
| Depreciation | 9.45 | 8.03 | 6.83 | 5.80 | 4.93 | 4.19 | 3.56 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 6.14 | 5.32 | 4.36 | 3.40 | 2.44 | 1.48 | 0.52 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -20.04 | -17.80 | -15.64 | -13.66 | -11.83 | -10.13 | -8.54 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -20.04 | -17.80 | -15.64 | -13.66 | -11.83 | -10.13 | -8.54 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -20.04 | -17.80 | -15.64 | -13.66 | -11.83 | -10.13 | -8.54 |
| Depreciation | 9.45 | 8.03 | 6.83 | 5.80 | 4.93 | 4.19 | 3.56 |
| Cash accruals (PAT + depreciation) | -10.59 | -9.77 | -8.81 | -7.85 | -6.89 | -5.93 | -4.97 |
| Term loan repaid | 4.36 | 8.72 | 8.72 | 8.72 | 8.72 | 8.72 | 8.72 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -14.95 | -18.50 | -17.54 | -16.58 | -15.62 | -14.66 | -13.70 |
| Cash and bank | -14.95 | -33.45 | -50.99 | -67.56 | -83.18 | -97.84 | -111.53 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 6.30 | 6.30 | 6.30 | 6.30 | 6.30 | 6.30 | 6.30 |
| Reserves and surplus | -20.04 | -37.85 | -53.49 | -67.14 | -78.97 | -89.10 | -97.64 |
| Term loan outstanding | 52.34 | 43.62 | 34.89 | 26.17 | 17.45 | 8.72 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 38.60 | 12.07 | -12.30 | -34.68 | -55.22 | -74.08 | -91.34 |
| Net fixed assets | 53.55 | 45.52 | 38.69 | 32.89 | 27.95 | 23.76 | 20.20 |
| 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 | -14.95 | -33.45 | -50.99 | -67.56 | -83.18 | -97.84 | -111.53 |
| Total assets | 38.60 | 12.07 | -12.30 | -34.68 | -55.22 | -74.08 | -91.34 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -0.42 | -0.32 | -0.34 | -0.37 | -0.40 | -0.44 | -0.48 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -0.40 |
|---|---|
| Lowest DSCR | -0.48 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 9.45 | 8.03 | 6.83 | 5.80 | 4.93 | 4.19 | 3.56 |
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 | 56.70 | 6.14 | 4.36 | 52.34 |
| 2 | 52.34 | 5.32 | 8.72 | 43.62 |
| 3 | 43.62 | 4.36 | 8.72 | 34.89 |
| 4 | 34.89 | 3.40 | 8.72 | 26.17 |
| 5 | 26.17 | 2.44 | 8.72 | 17.45 |
| 6 | 17.45 | 1.48 | 8.72 | 8.72 |
| 7 | 8.72 | 0.52 | 8.72 | 0.00 |
17 Licences and registrations
- Shops and Establishments registration
- GST
- FSSAI registration or licence for the kitchen
- Fire safety clearance
- State Pollution Control Board consent (National Green Tribunal rules in some areas)
- Protected Area permit if the site is in a forest area
- State tourism department registration for homestays or rural tourism units where the state runs one
18 Government schemes that may apply
- Stand-Up India
- Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)
19 Sources
- SIDBI Stand-Up Mitra project profile — Rural Tourism — https://www.standupmitra.in/Default/ViewFile/?id=1516113791880_Rural%20Tourism.docx&path=ProjectProfile
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.