NOVELTY - Microbial fertilizer comprises 10-50 pts. wt. microbial inoculum, 2-20 pts. wt. biochar, 5-30 pts. wt. Pyrethrum cinerariifolium powder, 15-50 pts. wt. urea, 5-30 pts. wt. monoammonium phosphate, 5-20 pts. wt. potassium chloride, 1-15 pts. wt. fulvic acid, and 1-5 pts. wt. EDTA chelated trace element. The urea is urea particle having diameter of 0.85-2.8 mm and nitrogen content of 46.2 %mass. The monoammonium phosphate is powder having phosphorus pentoxide content of 44 %mass, and nitrogen content of 11 %mass.    USE - As microbial fertilizer.    ADVANTAGE - The fertilizer reduces incidence of pests and diseases, and improves yield and quality.    DETAILED DESCRIPTION - Microbial fertilizer comprises 10-50 pts. wt. microbial inoculum, 2-20 pts. wt. biochar, 5-30 pts. wt. Pyrethrum cinerariifolium powder, 15-50 pts. wt. urea, 5-30 pts. wt. monoammonium phosphate, 5-20 pts. wt. potassium chloride, 1-15 pts. wt. fulvic acid, and 1-5 pts. wt. EDTA chelated trace element. The urea is urea particle having diameter of 0.85-2.8 mm and nitrogen content of 46.2 %mass. The monoammonium phosphate is powder having phosphorus pentoxide content of 44 %mass, and nitrogen content of 11 %mass. The potassium chloride is white powder having potassium oxide content of 62 %mass. The fulvic acid is brown powder having bio fulvic acid (BFA) content of greater than or equal to 95 %mass, water insoluble matter content of less than or equal to 1 %mass and moisture content of less than or equal to 6 %mass. The EDTA chelated trace element is EDTA chelated manganese, EDTA chelated zinc, EDTA chelated iron or their combinations. An INDEPENDENT CLAIM is included for method for preparing the fertilizer, which involves (a) culturing Bacillus megaterium, B.mucilaginosus, Paenibacillus sp., and B.subtilis, fermenting, subjecting to adsorption using adsorbent, mixing obtained products in ratio of 1:1:1:0.8, and maintaining at moisture content of less than 30%, where effective viable count is 20 billion/g, the adsorbent comprises 50-90 wt.% organic powder of at least one or more chosen from wheat bran, rice bran, soybean straw, soybean meal, powdered corn cob, Sorghum shell powder, straw powder, and furfural, and 10-50 wt.% inorganic powder chosen from zeolite, diatomaceous earth, vermiculite, attapulgite, light calcium carbonate, rock phosphate, potassium ore powder, and their mixtures, and the cultures and the adsorbent are in weight ratio of 1:2-1:6, and (b) weighing, and uniformly mixing the weighed components.