Sample Poultry Farm

Poultry Farm · Pune, Maharashtra

Proposed loan ₹900,000 PMEGP

Project cost ₹905,000 Incl. working capital

Average DSCR 3.51 Above 1.50 benchmark

Year-1 sales ₹3,840,000 3 staff · 5-year horizon

Promoter: Sample Promoter
Constitution: Proprietorship
Nature: New unit
Proposed bank: State Bank of India

1. Executive summary

Sample Promoter proposes to establish a new Poultry Farm unit at Shop No. 12, Market Road, Pune, Maharashtra. Total project cost is ₹905,000, to be funded by promoter contribution of ₹100,000, term loan of ₹900,000 and subsidy of ₹226,250. Year-1 sales are estimated at ₹3,840,000. Average DSCR is 3.51 (comfortably above the typical 1.50 bank benchmark).

2. Business description & objectives

Legal form: Proprietorship. Sector: Agro.

Products / services: Fast-moving consumer goods, staples, packaged foods and household items.

Objective: obtain PMEGP assistance to create a viable unit, generate local employment (3 persons) and service the loan from operating surplus.

3. Promoter profile

Name	Sample Promoter	Age	32
Qualification	Graduate	Experience (years)	5
Address	Shop No. 12, Market Road, Pune 411001
Proposed bank	State Bank of India

4. Market & industry

Local residential catchment within 2 km, daily household demand.

5. Products / services

Fast-moving consumer goods, staples, packaged foods and household items.

6. Operational plan

Location: Shop No. 12, Market Road. Manpower: 3 including the promoter. Capacity utilisation starts at 70% in year 1 and rises to 100% by year 5.

7. Project cost & means of finance

Particulars	Amount (₹)
Land	0
Building / civil works	350,000
Plant & machinery	280,000
Furniture & fixtures	70,000
Vehicles	0
Preliminary & preoperative	25,000
Working capital margin / WC	180,000
Total project cost	905,000

Means of finance	Amount (₹)
Promoter contribution	100,000
Term loan	900,000
Subsidy	226,250
Unsecured loans / others	0
Total means	1,226,250

Promoter margin: 11.0%. Balancing difference: ₹321,250.

8. Financial projections (P&L)

Particulars	Y1	Y2	Y3	Y4	Y5
Sales	2,688,000	3,379,200	4,181,760	4,855,488	5,622,144
Cost of goods / inputs	1,666,560	2,095,104	2,592,691	3,010,403	3,485,729
Gross profit	1,021,440	1,284,096	1,589,069	1,845,085	2,136,415
Operating expenses	436,800	499,200	561,600	592,800	624,000
EBITDA	584,640	784,896	1,027,469	1,252,285	1,512,415
Depreciation	109,000	73,500	64,365	56,411	49,480
Interest	103,500	82,800	62,100	41,400	20,700
PBT	372,140	628,596	901,004	1,154,474	1,442,234
Tax	93,035	157,149	225,251	288,619	360,559
PAT	279,105	471,447	675,753	865,856	1,081,676

9. Working capital

Working capital built into the project is ₹180,000. Indicative MPBF (75% of NWC) is ₹136,717. Current ratio (Y1): 4.00.

10. Loan repayment schedule

Year	Opening	Interest	Principal	Instalment	Closing
Y1	900,000	103,500	180,000	283,500	720,000
Y2	720,000	82,800	180,000	262,800	540,000
Y3	540,000	62,100	180,000	242,100	360,000
Y4	360,000	41,400	180,000	221,400	180,000
Y5	180,000	20,700	180,000	200,700	0

Interest 11.50% p.a. · Tenure 5 years · Average DSCR 3.51 · Minimum DSCR 1.73.

11. Balance sheet (projected)

Particulars	Y1	Y2	Y3	Y4	Y5
Net fixed assets	616,000	542,500	478,135	421,724	372,243
Current assets	243,053	321,120	424,508	546,041	698,754
Total assets	859,053	863,620	902,643	967,765	1,070,998
Capital + subsidy	326,250	326,250	326,250	326,250	326,250
Reserves	279,105	750,552	1,426,305	2,292,160	3,373,836
Term loan o/s	720,000	540,000	360,000	180,000	0
Current liabilities	60,763	80,280	106,127	136,510	174,689

12. Risk & mitigation

Key risks: slower demand, cost inflation and delayed receivables. Mitigation: conservative capacity in year 1, promoter experience of 5 years, and DSCR buffer where projections allow. Statutory registrations (Udyam, GST, local licences) to be completed before disbursement.

ConPros Financial Services · Confidential sample — not for bank filing · 09 Sep 2026

Poultry Farm