For Indian entrepreneurs seeking to establish a plant nursery under NABARD's horticulture scheme (NIC 01301), a bank-ready project report is essential for loan approval. This report, covering project costs between ₹2–25 lakh, must include detailed CMA (Credit Monitoring Arrangement) data, DSCR (Debt Service Coverage Ratio) calculations, and 5-year financial projections to demonstrate viability. NABARD offers refinance and subsidy support through Regional Rural Banks (RRBs) and cooperative banks, making it crucial to present a professional report that aligns with their guidelines. Our guide provides a comprehensive template with realistic assumptions for plant nursery operations, including land preparation, sapling procurement, irrigation, labor, and marketing costs. We cover subsidy eligibility (up to 35% for general and 45% for SC/ST categories), documentation checklist, and step-by-step instructions to create a report that meets bank scrutiny. Whether you're in Maharashtra, Tamil Nadu, or Uttar Pradesh, this page ensures your project report is complete, accurate, and optimized for NABARD funding.
To qualify for NABARD's plant nursery subsidy, the applicant must be an individual farmer, group of farmers, FPO, or entrepreneur aged 18-60 years. The project should be in horticulture (NIC 01301) with a minimum area of 0.5 acres. Priority is given to SC/ST, women, and small/marginal farmers. The business must be located in a rural or semi-urban area, and the applicant should have basic training in nursery management. Land ownership or long-term lease (minimum 10 years) is required. The project cost should be between ₹2 lakh and ₹25 lakh, with the promoter's contribution at 5-10% for general and 0% for SC/ST categories. NABARD refinances up to 90% of the loan amount through RRBs or cooperative banks, with interest rates typically 7-9% per annum. Subsidy is released in two installments after verification of project implementation.
A typical plant nursery project under NABARD includes costs for land development (₹50,000-₹1.5 lakh), polyhouse or shade net (₹1-3 lakh), irrigation system (₹30,000-₹1 lakh), saplings and seeds (₹50,000-₹2 lakh), pots and trays (₹20,000-₹50,000), labor (₹1-2 lakh), and working capital for one year (₹50,000-₹1 lakh). Total project cost ranges from ₹2 lakh to ₹25 lakh. Financing structure: Bank loan (90-95%), promoter contribution (5-10%), and subsidy (up to 35% for general, 45% for SC/ST). Subsidy is capped at ₹8.75 lakh for general and ₹11.25 lakh for SC/ST. Loan repayment period is 5-7 years with a moratorium of 6-12 months. Interest subvention of 3% is available for timely repayment. The DSCR should be above 1.5, and the project should generate net profit from the second year onwards. Our report includes detailed CMA data with projected balance sheet, profit & loss, and cash flow statements for 5 years.
Essential documents include: Aadhaar card, PAN card, land documents (title deed, recent tax receipt, or lease agreement), project report with CMA data, quotations for major assets (polyhouse, irrigation system), proof of training in nursery management (if any), bank statement for last 6 months, income tax returns for last 2 years (if applicable), and a detailed business plan. For partnership or company, add partnership deed, MOA, and board resolution. SC/ST certificate for subsidy. The project report must include a map of the nursery layout, species list (e.g., mango, guava, flower saplings), marketing strategy (local nurseries, online, government supply), and risk mitigation (pest control, insurance). Ensure all documents are self-attested and submitted in duplicate. Our website provides a downloadable checklist and sample formats for each document.
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NABARD format + plant nursery economics combined correctly.
Subsidy/margin money for NABARD auto-computed.
Project cost ₹2–25 Lakh, NIC 01301.
CMA, DSCR ≥ 1.50, 5-year projections.
Editable; Word + Excel exports; first report free.
Yes — NABARD (agri capital subsidy) is commonly used for plant nursery. 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.
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For general category, subsidy is 35% of the project cost, capped at ₹8.75 lakh. For SC/ST, it is 45% capped at ₹11.25 lakh. The subsidy is released in two installments: 50% after project approval and 50% after verification of implementation.
Yes, if you have a long-term lease agreement of at least 10 years. The lease deed should be registered and notarized. The bank will also consider a land lease from a family member or government authority.
The loan repayment period is typically 5-7 years, including a moratorium of 6-12 months. The moratorium period is interest-only, and principal repayment starts after the first harvest or sale of saplings.
Prior experience is not mandatory but preferred. If you lack experience, you can attend a short-term training program (e.g., from KVK or state horticulture department) and include the certificate in your application. This increases approval chances.