The use of microbe-based biological control for crop pests is recognized as an environmentally safe substitute for conventional chemical pesticides. However, the practical application of microbial inoculants in large-scale agriculture is underexplored, impeding their widespread commercial adoption. This study addresses the scarcity of research on effective delivery methods for microbial inoculants, particularly through seed coating, which has the potential to be a cost- and time-efficient strategy in crop management. In this research, the Trichoderma harzianum strain Th4d, a biological control agent (BCA), was incorporated into specially formulated biopolymeric compositions based on chitosan and cellulose. The efficacy of this seed coating approach was tested against various soil- and seed-borne pathogens in oilseed crops, including soybean, groundnut, and safflower. Results indicate that safflower treated with the biopolymer chitosan-based T. harzianum Th4d 1 % liquid formulation blend exhibited a higher seed yield of 793 kg/ha, seed germination of 84.7 %, and a significant reduction in wilt and root rot by 64.7 %. In groundnut crops, the seed coating led to a seed germination rate of 88.6 %, a 72 % reduction in root rot incidence, and a seed yield of 3040 kg/ha. Similarly, soybean crops treated with the biopolymer chitosan and T. harzianum Th4d displayed 83.4 % seed germination, a 70.9 % reduction in root rot, and a seed yield of 1239 kg/ha. Further on-farm evaluations demonstrated promising results, with the biopolymer chitosan-based T. harzianum Th4d 1 % liquid formulation blend seed treatment showing a high incremental cost-benefit ratio in safflower (1:4.5), soybean (1:2.5), and groundnut crops (1:3.3). This study underscores the potential of microbe-based seed coating as a sustainable and economically viable strategy for pest management in oilseed crops."