ECONOMICS OF TRACTOR

COST=Rs.750000.00
LOAN AMT. Rs.600000.00

USED CROP PRODUC TOTAL PRODUC TOTAL SALE TOTAL INCOME TOTAL NET
LAND Ha. TION PRODUC TION PRODUC VALUE / SALE FROM INCOME INCOME
RATE/Ha/ TION EXP / Ha TION QUINTAL VALUE BYE 8+9 10-6
QUINTAL QUINTAL EXPENS 4*7 PRODUC
1*3 ES 1*5 T
1 2 3 4 5 6 7 8 9 10 11
3.054 WHEAT 40 122.16 45250 138193.5 1800 219888 30000.00 249888 111694.50
LAHI 15 0 0 2000 0 0 0
CHANA 17.5 0 0 1800 0 0 0
SUGAR C 700 0 0 250 0 0 0 0
ARHAR 15 0 0 4000 0 0 0
OIL SEED 10 0 0 5000 0 0 0
3.054 PADDY 30 91.62 48046 146732.5 2000 183240 15000 198240 51507.52
MILLETS 20 0 100000 0 1200 0 0 0 0
POTATO 200 0 0 700 0 0 0
TOTAL A 163202.02
B INCOME AND PRODUCTION AFTER LOAN
USED CROP PRODUC TOTAL PRODUC TOTAL SALE TOTAL INCOME TOTAL NET
LAND Ha. TION PRODUC TION PRODUC VALUE / SALE FROM INCOME INCOME
RATE/Ha/ TION EXP / Ha TION QUINTAL VALUE BYE 8+9 10-6
QUINTAL QUINTAL EXPENS 4*7 PRODUC
1*3 ES 1*5 T
1 2 3 4 5 6 7 8 9 10 11
1.0540 WHEAT 45 47.43 45250 47693.5 1800 85374 15000.00 100374 52680.5
LAHI 15 0 0 0 2400 0 0 0
CHANA 17.5 0 0 0 3200 0 0 0
SUGAR C 800 0 0 0 250 0 0 0
ARHAR 15 0 0 0 7000 0 0 0
OIL SEED 10 0 0 0 6000 0 0 0
3.0540 PADDY 35 106.89 48046 146732.5 2000 213780 20000 233780 87047.52
MILLETS 22 0 0 0 700 0 0 0
2.0000 POTATO 325 650 100000 200000 500 325000 325000 125000
TOTAL B 394426 624154 35000 659154 264728
.
1 INCREMENTAL INCOME FROM AG PRODUCTION 101526
2 INCOME FROM CUSTOMER SERVICE 1000*Rs.300 500000
3 DIESEL EXPENSES PER HR. PER LTR *1000 HR. 153000
4 DRIVER EXPENSES Rs.(20% of Deisel) 30600
5 MAINTENANCE EXPENSES 10000
6 DEPRECIATION avg 20% 150000
7 INSURANCE EXP 10000
8 LUBRICATION EXP 10% OF DIESEL EXP 15300
9 INTT ON LOAN 90000
10 NET INCOME 142626
11 DEPRECIATION 15% 150000
12 NET CASH INCOME ANNUAL 10+11 292626
13 INSTALL MENT 18 HLY 75000
14 DSCR 2.32
USED CROP PRODUC TOTAL PRODUC TOTAL SALE TOTAL INCOME TOTAL NET
LAND Ha. TION PRODUC TION PRODUC VALUE / SALE FROM INCOME INCOME
RATE/Ha/ TION EXP / Ha TION QUINTAL VALUE BYE 8+9 10-6
QUINTAL QUINTAL EXPENS 4*7 PRODUC
1*3 ES 1*5 T
1 2 3 4 5 6 7 8 9 10 11
2.884 WHEAT 35 100.94 39000 112476 1400 141316 10500 151816 39340
LAHI 15 0 15000 0 2000 0 0 0
CHANA 17.5 0 7500 0 1800 0 0 0
SUGAR C 700 0 58500 0 250 0 0 0 0
ARHAR 15 0 10000 0 4000 0 0 0
OIL SEED 10 0 4000 0 5000 0 0 0
2.884 PADDY 40 115.36 41800 120551.2 1200 138432 0 138432 17880.8
MILLETS 20 0 14500 0 1200 0 0 0 0
POTATO 200 216.3 233027.2 279748 290248
TOTAL A 57220.8
B INCOME AND PRODUCTION AFTER LOAN
USED CROP PRODUC TOTAL PRODUC TOTAL SALE TOTAL INCOME TOTAL NET
LAND Ha. TION PRODUC TION PRODUC VALUE / SALE FROM INCOME INCOME
RATE/Ha/ TION EXP / Ha TION QUINTAL VALUE BYE 8+9 10-6
QUINTAL QUINTAL EXPENS 4*7 PRODUC
1*3 ES 1*5 T
1 2 3 4 5 6 7 8 9 10 11
2.884 WHEAT 50 144.2 31200 89980.8 1300 187460 6500 193960 103979.2
LAHI 15 0 12000 0 2400 0 0 0
CHANA 17.5 0 6000 0 3200 0 0 0
SUGAR C 800 0 46800 0 250 0 0 0
ARHAR 15 0 8000 0 7000 0 0 0
OIL SEED 10 0 3200 0 6000 0 0 0
2.884 PADDY 55 158.62 33440 96440.96 1000 158620 158620 62179.04
MILLETS 22 0 11600 0 700 0 0 0
0.884 POTATO 100 88.4 0 0 500 44200 44200 44200
TOTAL B 186421.8 390280 6500 396780 210358.2

1 INCREMENTAL INCOME FROM AG PRODUCTION 153137.4

2 INCOME FROM CUSTOMER SERVICE 1000*Rs.300 360000
3 DIESEL EXPENSES PER HR. PER LTR *1000 HR. 192500
4 DRIVER EXPENSES Rs. 3000 /MONTH*12 36000
5 MAINTENANCE EXPENSES 5000
6 DEPRECIATION avg 15% 99000
7 INSURANCE EXP 9000
8 LUBRICATION EXP 10% OF DIESEL EXP 19250
9 INTT ON LOAN 73603
10 NET INCOME 78785
11 DEPRECIATION 15% 99000
12 NET CASH INCOME ANNUAL 10+11 177785
13 INSTALL MENT 18 HLY 58666.67
14 DSCR 1.90
 TRACTOR ECONOMICS
B INCOME AND PRODUCTION BEFORE LOAN
USED CROP PRODUC TOTAL PRODUC TOTAL SALE TOTAL INCOME TOTAL NET
LAND Ha. TION PRODUC TION PRODUC VALUE / SALE FROM INCOME INCOME
RATE/QU TION EXP / Ha TION QUINTAL VALUE BYE 8+9 10-6
INTAL/ QUINTAL EXPENS 4*7 PRODUC
Ha 1*3 ES 1*5 T
1 2 3 4 5 6 7 8 9 10 11
WHEAT
LAHI
CHANA
SUGAR CANE
ARHAR
OIL SEED
PADDY
MILLETS
POTATO
TOTAL A
B INCOME AND PRODUCTION AFTER LOAN
USED CROP PRODUC TOTAL PRODUC TOTAL SALE TOTAL INCOME TOTAL NET
LAND Ha. TION PRODUC TION PRODUC VALUE / SALE FROM INCOME INCOME
RATE/Ha/ TION EXP / Ha TION QUINTAL VALUE BYE 8+9 10-6
QUINTAL QUINTAL EXPENS 4*7 PRODUC
1*3 ES 1*5 T
1 2 3 4 5 6 7 8 9 10 11
WHEAT
LAHI
CHANA
SUGAR CANE
ARHAR
OIL SEED
PADDY
MILLETS
POTATO
TOTAL B
.
1 INCREMENTAL INCOME FROM AG PRODUCTION
2 INCOME FROM CUSTOMER SERVICE 500*Rs……..
3 DIESEL EXPENSES PER HR. PER LTR *1000 HR.
4 DRIVER EXPENSES Rs. …….. /MONTH*12
5 MAINTENANCE EXPENSES
6 DEPRECIATION avg 15%
7 INSURANCE EXP
8 LUBRICATION EXP 10% OF DIESEL EXP
9 INTT ON LOAN
10 NET INCOME
11 DEPRECIATION 15%
12 NET CASH INCOME ANNUAL 10+11
13 INSTALL MENT 18 HLY
14 DSCR
USED CROP PRODU TOTAL PRODUC TOTAL SALE TOTAL INCOME TOTAL NET
LAND CTION PRODUC TION PRODUC VALUE / SALE FROM INCOME INCOM
Ha. RATE/H TION EXP / Ha TION QUINTA VALUE BYE 8+9 E 10-6
a/QUINT QUINTAL EXPENS L 4*7 PRODU
AL 1*3 ES 1*5 CT
1 2 3 4 5 6 7 8 9 10 11
2.941 WHEAT 35 102.935 39000 114699 1400 144109 10500 154609 39910
LAHI 15 0 15000 0 2000 0 0 0
CHANA 17.5 0 7500 0 1800 0 0 0
SUGAR C 700 0 58500 0 250 0 0 0 0
ARHAR 15 0 10000 0 4000 0 0 0
OIL SEED 10 0 4000 0 5000 0 0 0
2.941 PADDY 40 117.64 41800 122933.8 1200 141168 0 141168 18234.2
MILLETS 20 0 14500 0 1200 0 0 0 0
POTATO 200 220.575 237632.8 285277 295777
TOTAL A 58144.2
B INCOME AND PRODUCTION AFTER LOAN
USED CROP PRODU TOTAL PRODUC TOTAL SALE TOTAL INCOME TOTAL NET
LAND CTION PRODUC TION PRODUC VALUE / SALE FROM INCOME INCOM
Ha. RATE/H TION EXP / Ha TION QUINTA VALUE BYE 8+9 E 10-6
a/QUINT QUINTAL EXPENS L 4*7 PRODU
AL 1*3 ES 1*5 CT
1 2 3 4 5 6 7 8 9 10 11
2.941 WHEAT 50 147.05 31200 91759.2 1300 191165 6500 197665 105906
LAHI 15 0 12000 0 2400 0 0 0
CHANA 17.5 0 6000 0 3200 0 0 0
SUGAR C 800 0 46800 0 250 0 0 0
ARHAR 15 0 8000 0 7000 0 0 0
OIL SEED 10 0 3200 0 6000 0 0 0
2.941 PADDY 55 161.755 33440 98347.04 1000 161755 161755 63408
MILLETS 22 0 11600 0 700 0 0 0
1.023 POTATO 100 102.3 0 0 500 51150 51150 51150
TOTAL B 190106.2 404070 6500 410570 220464

1 INCREMENTAL INCOME FROM AG PRODUCTION 162320

2 INCOME FROM CUSTOMER SERVICE 1000*Rs.300 360000
3 DIESEL EXPENSES PER HR. PER LTR *1000 HR. 192500
4 DRIVER EXPENSES Rs. 3000 /MONTH*12 36000
5 MAINTENANCE EXPENSES 5000
6 DEPRECIATION avg 15% 68850
7 INSURANCE EXP 9180
8 LUBRICATION EXP 10% OF DIESEL EXP 19250
9 INTT ON LOAN 52068
10 NET INCOME 139472
11 DEPRECIATION 15% 68850
12 NET CASH INCOME ANNUAL 10+11 208322
13 INSTALL MENT 18 HLY 58666.7
14 DSCR 2.35
 INCOME AND PRODUCTION BEFORE LOAN
USED LAND CROP PRODUCTIO TOTAL PRODUCTIO TOTAL
Ha. N PRODUCTIO N EXP / Ha PRODUCTIO
RATE/Ha/Q N QUINTAL N
UINTAL 1*3 EXPENSES
1*5

1 2 3 4 5 6
2.941 WHEAT 35 102.935 59515 175034
SARSON 15 0 38364 0
CHANA 17.5 0 27990 0
SUGAR CANE 700 0 174368 0
ARHAR 15 0 36810 0
OIL SEED 10 0 4000 0
2.941 PADDY 40 117.64 61315 180327
MILLETS 20 0 14500 0
POTATO 200 220.575 176810 0
TOTAL A
INCOME AND PRODUCTION AFTER LOAN
USED LAND CROP PRODUCTIO TOTAL PRODUCTIO TOTAL
Ha. N PRODUCTIO N EXP / Ha PRODUCTIO
RATE/Ha/Q N QUINTAL N
UINTAL 1*3 EXPENSES
1*5

1 2 3 4 5 6
2.941 WHEAT 40 117.64 52000 152932
LAHI 15 0 30691 0
CHANA 17.5 0 22392 0
SUGAR CANE 800 0 45000 0
ARHAR 15 0 29448 0
OIL SEED 10 0 3200 0
2.941 PADDY 55 161.755 50000 147050
MILLETS 22 0 11600 0
1.023 POTATO 200 204.6 141448 144701.304
TOTAL B 444683.304

1 INCREMENTAL INCOME FROM AG PRODUCTION

2 INCOME FROM CUSTOMER SERVICE 1000*Rs.500
3 DIESEL EXPENSES PER HR. PER LTR *1000 HR.
4 DRIVER EXPENSES Rs. 6000 /MONTH*12
5 MAINTENANCE EXPENSES
6 DEPRECIATION avg 15%
7 INSURANCE EXP
8 LUBRICATION EXP 10% OF DIESEL EXP
 9 INTT ON LOAN
10 NET INCOME
11 DEPRECIATION 15%
12 NET CASH INCOME ANNUAL 10+11
13 INSTALL MENT 18 HLY
14 DSCR
15 Average DSCR
DUCTION BEFORE LOAN
SALE TOTAL INCOME TOTAL NET
VALUE / SALE FROM BYE INCOME 8+9 INCOME 10-
QUINTAL VALUE PRODUCT 6
4*7

7 8 9 10 11
2015 207414 10500 217914 42880
6200 0 0 0
5240 0 0 0
350 0 0 0 0
9200 0 0 0
5000 0 0 0
1940 228222 0 228222 47894
1200 0 0 0 0
750 165431 446136
90775
DUCTION AFTER LOAN
SALE TOTAL INCOME TOTAL NET
VALUE / SALE FROM BYE INCOME 8+9 INCOME 10-
QUINTAL VALUE PRODUCT 6
4*7

7 8 9 10 11
2015 237045 15000 252045 99113
7000 0 0 0
5500 0 0 0
350 0 0 0
10000 0 0 0
6000 0 0 0
1940 313805 313805 166755
700 0 0 0
800 163680 163680 18979
714529 15000 729529 284846
Y1 Y2 Y3 Y4 Y5
194071 194071 194071 194071 194071
500000 500000 500000 500000 500000
315000 315000 315000 315000 315000
72000 72000 72000 72000 72000
5000 5000 5000 5000 5000
68850 68850 68850 68850 68850
9180 9180 9180 9180 9180
31500 31500 31500 31500 31500
 52068 45873 39678 27288 20945
140474 69888 69888 69888 69888
68850 68850 68850 68850 68850 dep rate
209324 138738 138738 138738 138738
58667 58667 58667 58667 58667
2.36 1.77 1.81 1.93 2.01
1.98
slm wdv
11.88 31.23