Duck farming is a lucrative animal husbandry venture, especially in water-abundant regions like Kerala, Assam, West Bengal, and Odisha. Under NABARD’s refinancing schemes, banks provide term loans for duck farming projects with a cost range of ₹2–20 lakh. A bank-ready project report is critical for loan approval—it must include detailed CMA (Credit Monitoring Arrangement) data, DSCR (Debt Service Coverage Ratio) calculations, and 5-year financial projections. The report should cover breed selection (e.g., Khaki Campbell, Indian Runner), housing design, feeding schedule, egg and meat production estimates, and disease management. NABARD’s refinance support ensures lower interest rates and longer repayment tenures (typically 5–7 years). This page provides a ready-to-use project report format and subsidy details under NABARD schemes, helping entrepreneurs and CAs prepare a professional loan application.
Typical unit: ₹6.5 Lakh
| Cost head | Amount | Share |
|---|---|---|
| Sheds, civil works & land development | ₹2,20,000 | 34% |
| Equipment (feeders, pumps, cooling etc.) | ₹90,000 | 14% |
| Livestock / seed / initial stock | ₹1,45,000 | 22% |
| Pre-operative & insurance | ₹25,000 | 4% |
| Contingency | ₹25,000 | 4% |
| Working capital (feed, labour, utilities) | ₹1,45,000 | 22% |
| Total project cost | ₹6.5 Lakh | 100% |
Indicative figures for a typical ₹6.5 Lakh duck farming (cost range ₹2–20 Lakh). Your report computes exact figures from your own quotations, location and scale.
Any individual, partnership firm, or company engaged in animal husbandry can apply. The project cost ranges from ₹2 lakh to ₹20 lakh, covering ducklings (day-old or 4-week-old), housing (shed with pond access), feeding equipment, fencing, and working capital for 6 months. NABARD refinances up to 90% of the loan amount for eligible banks. The borrower must contribute at least 10% margin money. Land ownership or long-term lease (minimum 10 years) is required. Priority is given to projects in rural areas with access to water bodies. The project should have a minimum of 500 ducks for commercial viability.
Under NABARD’s Animal Husbandry Infrastructure Development Fund, a 25% capital subsidy (up to ₹5 lakh) is available for duck farming projects. The loan is structured as: 10% margin money from borrower, 25% subsidy (released after project completion), and 65% bank loan. Interest rates are typically 8–10% per annum (MCLR + spread). Repayment period is 5–7 years with a moratorium of 6–12 months. The subsidy is back-ended, meaning it is credited to the loan account after verification. For projects in North Eastern states, subsidy can go up to 33%. NABARD also provides refinance at concessional rates to banks, which is passed on to borrowers.
1. Duly filled loan application form. 2. Project report in NABARD format (including CMA data, DSCR, 5-year projections). 3. Land documents (title deed, tax receipts, lease agreement if applicable). 4. Quotations for ducklings, equipment, and construction. 5. Identity proof (Aadhaar, PAN), address proof, and bank statements (last 6 months). 6. Caste certificate (if availing subsidy under SC/ST category). 7. No-objection certificate from local panchayat/municipality. 8. Experience certificate in poultry/duck farming (if any). 9. Credit score report (CIBIL). 10. Photographs of proposed site. Additional documents may be required by the bank.
Step 1: Prepare a detailed project report using the NABARD format. Step 2: Approach a scheduled commercial bank, regional rural bank, or cooperative bank that has a tie-up with NABARD. Step 3: Submit the project report along with all required documents. Step 4: Bank verifies the project feasibility, land, and borrower’s creditworthiness. Step 5: Bank sanctions the loan and disburses it in stages (e.g., 40% for construction, 30% for ducklings, 30% for working capital). Step 6: After project completion, bank submits claim to NABARD for subsidy release. Step 7: Subsidy is credited to the loan account, reducing the principal. Ensure regular repayment to maintain DSCR above 1.25.
The NABARD project report must include: 1. Executive summary. 2. Introduction to duck farming and market potential. 3. Technical details: breed, housing (e.g., 1 sq ft per duck), feeding (e.g., 150g feed/day for layers), water management. 4. Financial analysis: total cost, means of finance, subsidy calculation. 5. CMA data: current assets (feed inventory, receivables) and current liabilities (creditors, bank overdraft). 6. DSCR calculation: Net Operating Income / (Interest + Principal Repayment). Minimum DSCR of 1.5 is preferred. 7. 5-year projections: income from egg sales (e.g., 250 eggs/duck/year), meat sales, and culled ducks. 8. Break-even analysis. 9. Sensitivity analysis (10% drop in price or production). Use realistic assumptions based on local market rates.
Every report is formatted to the exact standards required by Indian banks and government departments.
A complete 14-section project report — the same document your bank officer will read. Every table below is real: the repayment schedule, the DSCR, the CMA workings, the balance sheet. Generate yours free, then pay ₹499 for the clean copy.
Project Report
Consumer electronics repair, servicing & spare-parts retail
Vaishali Nagar, Jaipur, Rajasthan
Submitted to the Branch Manager · Punjab National Bank, Vaishali Nagar, Jaipur
The unit has been in operation since 2019 and currently services 20–25 jobs a day from a 350 sq.ft. ground-floor shop, with a recorded customer base of 600+ households in the Vaishali Nagar catchment. The promoter proposes to expand the workbench capacity, add board-level diagnostic equipment and carry a spare-parts inventory so that 70% of repairs can be completed same-day instead of the present 3-day turnaround.
The project is assessed at a cost of ₹10.00 lakh, financed by a ₹8.00 lakh MUDRA Tarun term loan and ₹2.00 lakh of promoter's own contribution (20%). At the projected turnover the unit services its debt 5.87 times over on average, against the 1.25 minimum, and breaks even at 62% of Year-1 sales — leaving substantial cushion against a demand shortfall.
Recommendation: the proposal is technically feasible, commercially viable and financially sound. It is recommended for sanction of a term loan of ₹8.00 lakh repayable in 60 monthly instalments.
| Particulars | Basis | Amount (₹) |
|---|---|---|
| Renovation & civil work | 200 sq.ft. additional area, electrical, ESD flooring | 1,20,000 |
| Diagnostic & repair equipment | As per quotations — Annexure IX | 2,40,000 |
| Computers, software & service tools | 2 systems, billing software, tool kits | 80,000 |
| Furniture, air-conditioning & display fixtures | Counter, racks, 1.5 T AC | 60,000 |
| Margin money for working capital | Stock, receivables & operating cash | 5,00,000 |
| Total project cost | 10,00,000 |
A 5% contingency is built into the civil and equipment estimates. All capital items are supported by three quotations each.
| Source | Amount (₹) | % of project cost |
|---|---|---|
| Promoter's own contribution | 2,00,000 | 20.00% |
| Term loan under MUDRA Tarun | 8,00,000 | 80.00% |
| Subsidy / margin money grant | Nil | — |
| Total | 10,00,000 | 100.00% |
Promoter's contribution is held in Savings A/c No. XXXXXX4417 with Punjab National Bank, Vaishali Nagar (statement enclosed). Debt–equity at inception is 4.00 : 1, improving to 1.65 : 1 by the end of Year 1.
For PMEGP, PMFME, NABARD and state-subsidy proposals this section additionally carries the margin-money subsidy workings, the subsidy-adjusted repayment and a second DSCR computed net of subsidy.
| Equipment | Qty | Rate (₹) | Amount (₹) |
|---|---|---|---|
| BGA rework station with preheater | 1 | 95,000 | 95,000 |
| Digital storage oscilloscope with probes | 1 | 45,000 | 45,000 |
| Universal IC programmer | 1 | 35,000 | 35,000 |
| Ultrasonic PCB cleaning unit | 1 | 22,000 | 22,000 |
| Soldering / desoldering stations | 3 | 8,000 | 24,000 |
| Precision tool kits & ESD workbench | 2 | 9,500 | 19,000 |
| Total | 2,40,000 |
Suppliers: Fine Tools India (Jaipur), Sagar Electronics (Delhi), Techno Instruments (Jaipur). Quotations enclosed at Annexure IX. Delivery within 30 days of sanction; installation by the supplier at no extra cost.
| Particulars | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 |
|---|---|---|---|---|---|
| Service & repair income | 24.00 | 28.32 | 32.57 | 36.80 | 41.22 |
| Sale of spares & accessories | 9.60 | 11.33 | 13.03 | 14.73 | 16.49 |
| Total revenue | 33.60 | 39.65 | 45.60 | 51.53 | 57.71 |
| Cost of spares & materials (45%) | 15.12 | 17.84 | 20.52 | 23.19 | 25.97 |
| Gross profit | 18.48 | 21.81 | 25.08 | 28.34 | 31.74 |
| Salaries & wages | 6.72 | 7.26 | 7.84 | 8.47 | 9.14 |
| Rent | 1.44 | 1.51 | 1.59 | 1.67 | 1.75 |
| Power & fuel | 0.72 | 0.78 | 0.83 | 0.89 | 0.95 |
| Repairs & maintenance | 0.30 | 0.33 | 0.36 | 0.39 | 0.42 |
| Marketing & business promotion | 0.36 | 0.40 | 0.44 | 0.48 | 0.52 |
| Administrative & miscellaneous | 0.60 | 0.66 | 0.72 | 0.78 | 0.84 |
| Insurance | 0.12 | 0.13 | 0.14 | 0.15 | 0.16 |
| Total operating expenses | 10.26 | 11.07 | 11.92 | 12.83 | 13.78 |
| EBITDA | 8.22 | 10.74 | 13.16 | 15.51 | 17.96 |
| Depreciation (WDV, as per IT Act) | 0.86 | 0.66 | 0.52 | 0.42 | 0.35 |
| EBIT | 7.36 | 10.08 | 12.64 | 15.09 | 17.61 |
| Interest on term loan | 0.78 | 0.64 | 0.48 | 0.31 | 0.11 |
| Profit before tax | 6.58 | 9.44 | 12.16 | 14.78 | 17.50 |
| Income tax (as applicable) | 0.30 | 0.62 | 0.95 | 1.35 | 1.80 |
| Profit after tax | 6.28 | 8.82 | 11.21 | 13.43 | 15.70 |
Revenue grows 18%, 15%, 13% and 12% over the five years, against 22% achieved by the unit in the last audited year. Capacity utilisation moves from 72% to 91%; the projections do not assume any increase in service rates.
| Year | Opening balance | Principal repaid | Interest | Total outgo | Closing balance |
|---|---|---|---|---|---|
| 1 | 8,00,000 | 1,28,404 | 77,937 | 2,06,341 | 6,71,596 |
| 2 | 6,71,596 | 1,42,555 | 63,787 | 2,06,341 | 5,29,041 |
| 3 | 5,29,041 | 1,58,265 | 48,077 | 2,06,341 | 3,70,776 |
| 4 | 3,70,776 | 1,75,706 | 30,635 | 2,06,341 | 1,95,070 |
| 5 | 1,95,070 | 1,95,070 | 11,272 | 2,06,341 | Nil |
| Total | 8,00,000 | 2,31,707 | 10,31,705 |
| Particulars | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 |
|---|---|---|---|---|---|
| Profit after tax | 6.28 | 8.82 | 11.21 | 13.43 | 15.70 |
| Add: depreciation | 0.86 | 0.66 | 0.52 | 0.42 | 0.35 |
| Add: interest on term loan | 0.78 | 0.64 | 0.48 | 0.31 | 0.11 |
| Cash available for debt service (A) | 7.92 | 10.12 | 12.21 | 14.16 | 16.16 |
| Principal repayment | 1.28 | 1.43 | 1.58 | 1.76 | 1.95 |
| Interest | 0.78 | 0.64 | 0.48 | 0.31 | 0.11 |
| Total debt service (B) | 2.06 | 2.07 | 2.06 | 2.07 | 2.06 |
| DSCR (A ÷ B) | 3.84 | 4.89 | 5.93 | 6.84 | 7.84 |
Average DSCR over the tenure: 5.87. The minimum acceptable to banks is 1.25; the unit crosses that threshold even if Year-1 revenue falls 60% short of projection.
| Particulars | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 |
|---|---|---|---|---|---|
| LIABILITIES | |||||
| Capital account (net of drawings) | 4.08 | 7.50 | 12.11 | 17.74 | 24.44 |
| Term loan — long-term portion | 5.29 | 3.71 | 1.95 | — | — |
| Term loan — current maturity | 1.43 | 1.58 | 1.76 | 1.95 | — |
| Sundry creditors (30 days) | 1.26 | 1.49 | 1.71 | 1.93 | 2.16 |
| Other current liabilities & provisions | 0.30 | 0.35 | 0.40 | 0.45 | 0.50 |
| Total | 12.36 | 14.63 | 17.93 | 22.07 | 27.10 |
| ASSETS | |||||
| Net fixed assets | 4.14 | 3.48 | 2.96 | 2.54 | 2.19 |
| Stock of spares (45 days) | 1.86 | 2.20 | 2.53 | 2.86 | 3.20 |
| Sundry debtors (10 days) | 0.92 | 1.09 | 1.25 | 1.41 | 1.58 |
| Cash & bank balance | 5.44 | 7.86 | 11.19 | 15.26 | 20.13 |
| Total | 12.36 | 14.63 | 17.93 | 22.07 | 27.10 |
| Sources | Amount | Applications | Amount |
|---|---|---|---|
| Profit after tax | 6.28 | Capital expenditure | 5.00 |
| Depreciation | 0.86 | Increase in stock | 1.86 |
| Increase in creditors & provisions | 1.56 | Increase in debtors | 0.92 |
| Term loan drawn | 8.00 | Repayment of term loan | 1.28 |
| Promoter's capital introduced | 2.00 | Drawings | 4.20 |
| Closing cash & bank | 5.44 | ||
| Total | 18.70 | Total | 18.70 |
Working capital is assessed under the Tandon Committee Method II, the basis used by banks for limits up to ₹5 crore. The workings below are drawn from the Year-1 projections above.
| Particulars | Amount |
|---|---|
| Stock of spares | 1.86 |
| Sundry debtors | 0.92 |
| Cash & bank balance | 5.44 |
| Total current assets (TCA) | 8.22 |
| Sundry creditors | 1.26 |
| Other current liabilities & provisions | 0.30 |
| Current maturity of term loan | 1.43 |
| Other current liabilities (OCL) | 2.99 |
| Working capital gap (TCA − OCL) | 5.23 |
| 25% of TCA — stipulated margin | 2.06 |
| Maximum permissible bank finance (Method II) | 3.18 |
No cash-credit limit is sought in this proposal; the assessment is presented because bank officers ask for it. Were the limit of ₹3.18 lakh availed, the current ratio would stand at 1.33 — above the 1.25 stipulated by IBA.
CMA statements included in the full report
| Ratio | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Bank norm |
|---|---|---|---|---|---|---|
| Current ratio | 2.75 | 3.26 | 3.87 | 4.51 | 9.36 | ≥ 1.25 |
| Debt–equity ratio | 1.65 | 0.71 | 0.31 | 0.11 | Nil | ≤ 3.00 |
| DSCR | 3.84 | 4.89 | 5.93 | 6.84 | 7.84 | ≥ 1.25 |
| Net profit margin | 18.7% | 22.2% | 24.6% | 26.1% | 27.2% | — |
| Interest coverage | 9.4 | 15.8 | 26.3 | 48.7 | 160.1 | ≥ 2.00 |
| Particulars | Amount |
|---|---|
| Fixed costs (salaries, rent, admin, depreciation, interest) | 10.88 |
| Variable costs (materials, power, maintenance) | 16.14 |
| Contribution (revenue − variable costs) | 17.46 |
| P/V ratio | 51.96% |
| Break-even sales | 20.94 |
| Break-even as % of Year-1 revenue | 62.3% |
| Cash break-even as % of Year-1 revenue | 57.4% |
Strengths
Weaknesses
Opportunities
Threats
Free to generate · ₹499 for the clean PDF + Word + Excel · 30-day money-back guarantee
Create your account in 30 seconds — no credit card needed.
Enter applicant details, select the scheme, set your loan amount.
The full report is drafted for you — financials, projections and CMA data — in under 60 seconds.
Preview free, then download the clean PDF plus Word (.docx) + Excel (.xlsx) once unlocked. Submit to bank or DIC office.
NABARD format + duck farming economics combined correctly.
Subsidy/margin money for NABARD auto-computed.
Project cost ₹2–20 Lakh, NIC 01463.
CMA, DSCR ≥ 1.50, 5-year projections.
Editable; Word + Excel exports; first report free.
A duck farming project typically costs ₹2–20 Lakh. For a typical ₹6.5 Lakh unit the biggest items are sheds, civil works & land development ₹2,20,000, livestock / seed / initial stock ₹1,45,000, working capital (feed, labour, utilities) ₹1,45,000. With ~10% promoter margin (₹65,000) the bank loan is about ₹5,85,000, an EMI of roughly ₹10,017/month at 11% over 7 years. Typical net margin for this segment is 10–25%. These are indicative — the report works out exact figures from your inputs.
Yes — NABARD (agri capital subsidy) is commonly used for duck farming. The report is formatted to NABARD requirements with subsidy/margin money shown.
agri capital subsidy — computed automatically in the means-of-finance and subsidy sections.
Register free, pick the scheme & loan amount, and the full bank-ready report is drafted for you (CMA data, DSCR, 5-year projections) in under 60 seconds. First report free; clean exports ₹499.
The project cost ranges from ₹2 lakh to ₹20 lakh. For projects above ₹20 lakh, NABARD refinance may still be available but with additional documentation. The loan amount is based on the project cost minus margin money and subsidy.
A 25% capital subsidy (up to ₹5 lakh) is available under the Animal Husbandry Infrastructure Development Fund. In North Eastern states, it is 33% (up to ₹6.6 lakh). The subsidy is back-ended and released after project completion and verification.
The repayment period is 5–7 years with a moratorium of 6–12 months. Interest rates are typically 8–10% per annum, depending on the bank’s MCLR and the borrower’s credit profile. NABARD refinance helps banks offer competitive rates.
Yes, if you have a long-term lease (minimum 10 years) with a registered agreement. The lease document must be submitted to the bank. However, land ownership is preferred for easier approval and lower margin money requirements.