Financial Transparency

What You Pay. What You Get. Aap kya pay karte hain. Aap kya paate hain.

Honest numbers. No fluff. All income figures are illustrative — actual farm yield depends on soil, weather, and market prices. Sachche numbers. Koi fluff nahi. Sab income figures illustrative hain.

⚠️ Agricultural income is NOT guaranteed. These are planning estimates. Consult your CA independently. ⚠️ Agri income guaranteed nahi hai. Ye sirf planning estimates hain. Apne CA se consult karein.
₹23.94L
Per UDS — ₹399/sq ft × 6,000 sq ft
6,000
sq ft registered in your name
₹25K–40K
Estimated annual farm income (Y5+)
Tax-Free
Agricultural Income (Sec 10(1))
Your Ownership

What ₹23.94 Lakh Gives You ₹23.94 Lakh mein aapko kya milta hai

6,000 sq ft of Registered Land
Undivided share of 27.55 acres in Purulia, WB. Your name in the Revenue Record (Khasra). Registered Sale Deed from the Sub-Registrar. Real ownership — not a certificate, not a unit.
Managed Orchard + Farm Income
Share of farm produce income distributed annually — from guava (Year 1), lac, herbs, and mango (from Year 4). Agricultural income is tax-free under Section 10(1) IT Act. Income varies by season and market prices.
10 Cottage Nights per Year
Access to on-farm cottages: 10 booked nights annually (from Year 3). Bookable at co-owner's discretion. Equivalent resort value: ₹3,500/night. Unused nights do not carry forward.
Price per UDS
₹23.94L
₹399 per sq ft × 6,000 sq ft
Land registration (6,000 sq ft) Included
Farm infrastructure & orchard Included
Cottage access (10 nights/yr, Y3+) Included
Farm management (FMA, 3 yrs) Included
Stamp duty & registration Actuals extra
Compare to Purulia town plots:
Managed farmland at ₹399/sq ft vs residential plots at ₹800–2,000/sq ft — with farm income + cottage access included.
Buyer's Outlook

Farm Income — Year by Year Farm Income — Saal dar Saal

Planning estimates only. Actual income depends on crop yield, market prices, and weather.

Annual Income (per UDS, illustrative)

Year 1–2
Orchard establishing. Guava + lac + honey producing.
₹2,000–5,000
Year 3–4
Guava at full capacity. Medicinal herbs. Mango approaching.
₹8,000–15,000
Year 5 onwards
Full mango orchard (Himsagar + Amrapali). All crops at scale.
₹25,000–40,000

Tax-Free (Section 10(1) IT Act)

Farm produce income distributed to co-owners constitutes agricultural income — fully exempt from income tax. Verify with your CA for your individual situation.

Cottage Value (from Year 3)

Nights per year10 nights
Resort equivalent rate₹3,500/night
Annual stay value₹35,000
Construction startsYear 2–3

What To Realistically Expect

  • Y1–Y2: Minimal income. Trees establishing. Be patient.
  • Y3+: First meaningful returns from guava + lac harvest.
  • Y5+: Mango orchard at full output. This is the long game.
  • Income varies year to year — drought, pest, market all matter.
  • We will not tell you a number and call it guaranteed. Nobody can.
Farm P&L

Steady-State Farm Economics (Year 5+)

Illustrative — not a projection or promise.

Farm Revenue (Gross)

CropAreaRevenue (est.)
Mango (Himsagar + Amrapali)10 ac₹48–80L
Guava (3 crops/year)4 ac₹12–15L
Medicinal Herbs (dried)2 ac₹24L
Lac (seed lac processed)5 ac₹3.1L
Jackfruit2 ac₹2.4L
Honey (organic)—₹1.2L
Seasonal vegetables2 ac₹3L
Gross Revenue₹93–128L

Farm Expenses (Annual)

Item₹L/yr
Farm Manager salary5.0
5 permanent workers9.0
Seasonal harvest crew3.0
Inputs (bio, fertiliser, pest)4.0
Drip system maintenance1.0
Power + fuel1.5
Drone survey (quarterly)1.0
Insurance (crop + equipment)1.0
Miscellaneous1.5
Total Opex27L
Gross Revenue₹93–128L
Total Opex−₹27L
Management Fee (12% gross)−₹11–15L
Reserve Fund (5%)−₹5–6L
Distributable Income₹50–80L/yr
Per UDS (÷ 200)₹25K–40K/yr
Government Support

₹40–60 Lakh in Subsidies

Government subsidies reduce farm infrastructure cost, improving long-term distributable income for co-owners.

₹35L
PMKSY Drip Subsidy
₹8L
MGNREGS Farm Ponds
₹10L
NHM Orchard Planting
₹3L
PM-KUSUM Solar

All subsidies require proper application and government inspection. Applied via Purulia district offices. See Farm page for full tracker.

Risk Disclosure

What Could Go Wrong Kya galat ho sakta hai

We tell you this upfront. These are real risks. Do not invest if you are not comfortable with them.

Farm & Crop Risks

  • Drought or unseasonal rain can reduce harvest by 30–60%
  • Mango income only begins Year 4 — patience required
  • Pest outbreak can affect guava, lac, or herbal crop
  • Farm produce prices are market-linked — no price guarantee

Project & Legal Risks

  • DLRO conversion approval may be delayed
  • Cottage construction timeline depends on regulatory approvals
  • UDS is agricultural land — urban residential use is not permitted
  • Land cannot be sold as independent plots; it remains co-owned

What Protects You

  • Registered Sale Deed — ownership survives any company closure
  • 90-day Owners' Committee right to terminate farm manager
  • Separate, terminable Farm Management Agreement
  • No guaranteed returns promised — so no CIS exposure

This is Not For You If…

  • You need guaranteed fixed returns (FDs/bonds are better)
  • You may need liquidity in under 5 years
  • You expect quick capital appreciation (this is farmland, not real estate)
  • You are not comfortable with agricultural risk

See the Land. Ask the Hard Questions. Zameen dekho. Mushkil sawaal poochho.

We encourage due diligence. Bring your CA. Ask to see the land documents. All agreements are on matigarh.in/agreements. Hum due diligence encourage karte hain. Apne CA ko laao. Zameen ke documents dekhne maango.

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