0512180923Allahabad-ADS-Dairy-Revised-1

Area Development Scheme- Dairy Development
Allahabad
1. Introduction
Animal husbandry sector has the potential of providing the much needed hedging risk
against the crop loss due to natural calamities in Uttar Pradesh. Live Stock Sector plays
pivotal role in rural employment. This Sector has also highest potential for rural self-
employment generation at the lowest investment per unit possible. Livestock population
had increased substantially in Uttar Pradesh (14.01%) as per livestock census 2012. The
production of milk has increased to 233.00 lakh ton in 2012-13 as against 189.00 lakh
ton in 2007-08. Based on analysis of Primary and Secondary data of different potential
agricultural activities in the state dairy sector had been identified as one of the most
potential sector for capital formation in agriculture.
Scenario of Dairy Sector in Allahabad District:

Allahabad lies on the eastern part of Uttar Pradesh covering an area of 5482.10 sq.km.
The district has a population of 59.54 lakh (as per the census of 2011) out of which the
rural population is 44.82 lakh. The other elements of the district i.e. the demographic
profile is its predominantly rural in character, with high level of poverty and low
percentage of working population. It is divided into 20 blocks with 2809 villages. There
are approx. 5.45 lakh Farmers in the district out of which Small and Marginal are 5.07
lakh.
Reason for selecting Dairy Development as Area Development Scheme:

There is a scope for increasing the milk production in the district through cross breeding
programme and also creating awareness among the farmers about the scientific housing,
breeding, feeding and health care of animals which will improve the milk production
and productivity in the district. Based on the production gap in milk production,
banking network, backward & forward linkages, potential available in different districts
of the state, Allahabad district has been identified as potential district for Dairy
Development – Crossbreed Cows for implementation of Area Development
Scheme.
Role of Dairy Sector in the District:

Dairy Development has enormous potential in the district at low risk as compared to
crop loss due to natural calamities every year. The sector is playing very positive role in
providing rural self-employment at a very lost cost of investment.
Land Holdings:
No. of Total Land No. of Total Size of Land Avg. Size of

Holdings Land Holdings Holding Land Holding
Total of the District 545727 383800 Ha. 0.70 Ha.
small and marginal farmers 507500 (93%) 244184 Ha. (64%) 0.48 Ha.
Other Farmers 38200 (7%) 139616 (36%) 3.65 Ha.
 Gross Cropped Area – 508783 Ha.

 Net Sown Area – 266731 Ha.
 Gross Irrigated Area – 423376 Ha. Ha.
 Major Crops Cultivated – Paddy, Wheat, Maize, Jwar, Bajra, Urad and Gram
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Allahabad
Livestock population/Production and Productivity (As per LS Census 2012):

(No. in lakh)
Crossbreed Cow Indigenous Cow Bufallows (5.85) Total Dairy Animal
(1.49) (5.50) (12.84)
Milch Milch Milch Milch
– 60% – 60% – 60% – 60%
Female
Female
Female
Female
Male
Male
Male
Male
of of of of
Female Female Female Female
0.29 1.20 0.72 1.13 4.37 2.62 1.08 4.77 2.86 2.50 10.34 6.20
Productivity 5.0 2.5 5.5
per Day Litre
Litre Litre
Production 3.6 6.56 15.73 25.89
per Day Litre Litre Litre
Litre
2. Forward and backward linkages
Milk Production:
Out of the total population of 12.84 lakh of cattle and buffalo in the district, the total
milk production of the district is around 25.89 lakh litres per annum which works out to
431 mg per person per day as against the national average of 665 gms per day.
Infrastructure for veterinary services:

There are 50 Veterinary Hospitals, 07 D class dispensaries, 92 Animal Service Centers
and 37 Artificial Insemination Centers, in the district. Animal Husbandry department is
providing Free of Cost vaccination of cattle and buffaloes against foot & mouth and H.S.
Diseases. Sales tax exemption on sale of cattle feed has been in vogue to ensure
availability of good quality feed at economical rate.
The gap in requirement of Veterinary Hospitals and AI centers could be partly bridged
through RIDF assistance for new centers and also by encouraging private veterinary
clinics and private AI centers under the scheme for Agriclinics and Agribusiness centers
through institutional finance involving unemployed veterinary graduates.
This will be a supplementary measure to the long term planned programme of AH
Department of opening new centers and up gradation of existing centers. AI centers
involving diploma holders/Paravets could also be promoted by imparting training
through any suitable agency. In the district many self-help groups are also involved in
dairying.
Feed and fodder:

Cultivation of fodder as a commercial activity is not in practice in the district.
Preservation of green fodder in the form of silage or hay is not generally practiced by the
farmers. The AH Department is distributing fodder mini kits to the farmers. The fodder
mini kits mainly comprise of the improved fodder seeds of Maize, Makchari, Sorghum
(M P Chari), Berseem etc. Concentrate cattle feed is available through private agents in
the districts and farmers also prepare concentrate mixture by purchasing the ingredients
locally. Cultivation and preservation of fodder can be promoted among the farmers in
district.
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Allahabad
Marketing infrastructure (Milk societies, Milk routes, Milk procurement,

Supply, etc.):
All the 20 blocks in the district have been covered by approximately 423 milk societies in
the district. The DUSS (Dugdh Utpadak Sahkari Sangh) has 7 milk routes and collecting
milk through societies. Besides, private sector dairies collects milk through Dudhias
(private vendors). Out of these milk co-operative societies only 50% are functional.
There exist a number of private milk collection centres and PCDF has one Chilling Plant
at Bamrauli in Allahabad, this plant has a processing capacity of 70000 litres of milk per
day which can be extended up to 100000 litres of milk per day. This plant is producing
table butter, ghee, paneer, flavored milk, and matha on a large scale.
Sources for animals:

Availability of good quality animals is one of the major constraints affecting credit
support for dairy development in the district. The milch animals therefore can be
purchased from other parts of the Uttar Pradesh and also from other States viz., Punjab
& Haryana, Rajsathan etc. Sahson, Dist. Allahabad. Muratganj, Dist. Kaushambi are the
notable livestock markets nearby for procurement of animals.
It has been observed that among CB cows, Jersey and HF crossbred cows are more
common in the district and HF crossbred has well acclimatized to the local conditions.
Among buffaloes, Murrah/Graded Murrah are the most preferred by farmers. In the
proposed ADS buffalo farming has not been adopted due to short lakhtation period
however bankers are free to finance buffalo units in plakhe of Crossbreed Cow units as
per the preference of borrowers.
Marketing of Milk:
As such the present system of marketing of milk is very much unorganized, majority of
milk produced in the district is handled by private farmers/through agents. It is
reported that that some of private dairies are supplying milk from outside the district.
The milk union may identify potential areas along milk routes and may try to cover the
farmers to be covered under the Area Development Scheme. Thus, the capacity
utilization of the Milk union may also be increased. The bank may also encourage the
private entrepreneurs for setting up AMCUs/BMCUs for procurement of milk.
Cost of Animals:
The cost of Cross Breed Cow HF, Jersey etc. yielding 12 to 15 l/p/d has been considered
at Rs.5000/per litre of milk production after ascertaining the cost from various
stakeholders. The cost may go even higher in certain seasons.
Sale price of Milk:

The sale price of milk has been assumed at Rs.27/- litre (on conservative side) for cow
milk having 4% fat and 9% Solid Not Fat after ascertaining the same from the PCDF,
Allahabad. The financial viability has been worked out considering these rates. The
major risk variables for this project will be milk yield and sale price of milk. Hence the
bank may need to take adequate measures such as training of farmers on care and
maintenance of high yielding cows and buffaloes and also enter into agreement with the
cooperative/private milk processing agencies for marketing of milk produced.
3. Selection of Area
All the 20 blocks of Allahabad district are proposed for the implementation of the
Scheme. Two blocks in Ganga paar and two blocks in Yamuna paar are being the
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Allahabad
intensive block under NRLM and having largest number of women farmers of Special
WSHG project.
4. Selection of the beneficiaries
(i) The women farmers of both the projects viz., NRLM and Special WSHGs may be
given priority by the bankers for financing. Implementing bank have the sole discretion
for selection of borrowers as per their norms, however to facilitate the process of
financing the units Animal Husbandry Department may provide the list of the
perspective borrowers to concerned Branch Manager implementing ADS.
(ii) Unit Size:

Unit size of 2, 6 and 10 animals may be adopted in the project, however bankers are free
to finance units of other sizes also as per the technical feasibility and financial viability
of the project.
5. Capacity building of the beneficiaries
The AH department and Dairy department/Milk Union in district are offering training
to the farmers on various aspects of AH and Dairy farming. Otherwise
 By granting EDPs to RSETI by NABARD/DRDA/NRLM
 By sanctioning MEDPs to Anchor Agency of the district
 Sponsoring programmes to KVK by NABARD from its promotional funds.
6. Techno economic assumptions
Economic Assumptions Suggested Assumptions

(i) Type of milch animals proposed Cross Breed Cows, Body Weight - 400
Kgs.
(ii) Average per day milk yield 12 to 15 litre per day
(iii) Lakhtation yield per animal 12 litre per day x 290 days = 3480 Litre
(iv) Average cost of animals@ Rs Rs.60000/-
5000/lt of milk production
(v) In which productive stage animals Freshly Calved or Second Calving
will be purchased
(vi) Purchase of animals in batches The animals have to be purchased in two
batches with an interval of 3 - 4 months
between each batch.
(vii) Number of Lakhtation days 290 days
(viii) Number of Dry days 90 days
(ix) Insemination After calving -(preferably in second heat)
(x) Economic life of the animal About 05 to 06 Lakhtations
(xi) Lakhtation Chart As indicated below separately
(xii) Feeding schedule & Cost of feeding As indicated below separately
(xiii) Arrangements for insurance and With Oriental Insurance Co.
the cost of insurance Apprx Rs.1000/- per year / per cow
(xiv) Cost of vaccination and disease Free of Cost from A.H. Deptt.
management/control
(xv) Cost of labour (small dairy units up Rs.300/- per day
to 4-6 animals will be managed by (small dairy units up to 4-6 animals will
family labour. Larger dry units be managed by family labour. Larger dry
require one labourer for every 10 units require one labour for every 10
animals) animals)
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Allahabad
Economic Assumptions Suggested Assumptions

(xvi) Marketing of milk and sale price of Rs.27/- per litre (Approx.)
the milk (i) Bulk milk sale to collection centre
(ii) Retail sale to villagehoods
(iii) Direct sale to Hotels/Dhaba
(xvii) Marketing of the manure and sale Almost negligible. Maximum Rs.5000/-
price of the manure / Gunny Bags each from Sale of manure and gunny bags.
Lactation Chart - Cross Breed Cows:
S. No. Particulars Years

I II III IV V VI
1 Lactation Days
a) First batch 290 290 290 290 290 290
b) Second batch 200 290 290 290 290 290
Total 490 580 580 580 580 580
2 Dry Days
a) First batch 90 90 90 90 90 90
b) Second batch - 90 90 90 90 90
Total 90 180 180 180 180 180
Feeding schedule and cost of feeding:
Sr. Particulars Avg. per day inclusive of both Lactation & Dry
No. Period
Feed Quantity Rate/kg Cost/day Cost/yr
(Kg) (Rs.) (Rs.) (Rs lakh)
(i) Concentrate Feed 4 15.00 60.00 0.219
(ii) GreenFodder(from own farm) 20 1.50 30.00 0.109
(iii) Dry Fodder(from own farm) 6 2.00 12.00 0.044
Total for 01 animal 102.00 0.372
Total for 02 animals 0.744
7. Indicative Model Schemes for 02 Animal Dairy Unit
Two Animal Dairy Unit (in two batches of 1+1 animal at 6 months interval):
Sr. No. Particulars Cost (Rs.)

A. Capital Cost
i. Cost of animals (2 animals @ 60000/- each) 12 lt./day 120,000/-
ii. a.Shed(50 sq.ft/animal)for 2 animals @Rs 180 sq ft 18,000/-
b.Shed (20sq.ft/calf)for 2 calves @Rs 180 sq ft 7200/
iii. Transportation 2,000/-
iv. Other equipments 3000/-
Water supply, electrification, misc etc 4100/-
Total 1,54,300/-
B. Recurring Capital (capitalized)
i. Labour cost and wages 4500/-
ii. Fodder Cost/Fodder Purchase 2500/-
iii. Conc feed for 1st animal 1800/-
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Allahabad
Sr. No. Particulars Cost (Rs.)

iv Insurance for1st animal for 1 yrwith PTD cover 3000/-
v Veterinary Aid & Misc. Exp. 600/-
Total 12400/-
Total Unit Cost 166700/-
Minimum Margin Money @15% 25005=00
Bank Loan 141695=00
Six Animal Dairy Unit (in two batches of 3+3 animals at 6 months interval):
Sr No Particulars Cost (Rs)

A Capital Cost
1 Civil work (asbestos sheet thatched shed)
a) Shed (50sqft/animal) for 6 animals @180 sq ft 54000
b) Shed (20sqft/animal) for 6 calves @180 sq ft 21600
2 Cost of animals @Rs 75000 (15 lt/day) 450000
3 Transportation Cost 24000
4 Dairy Equipment 18000
5 Water Supply, Electrification, Misc 15000
Total 582600=00
B Recurring Cost (capitalized)
1 Labour cost & Wages 4800/
2 Fodder Cultivation/fodder purchase 7500/
3 Conc feed for 1st animal 5400/
4 Insurance for 1st animal with PTD cover 11250/
5 Veterinary aid and misc expenses 5400/
Total 34350=00
Total unit cost (rounded off) 617000=00
Minimum margin money @ 15% 92550=00
Bank Loan 524450=00
Ten Animal Dairy Unit (in two batches 0f 5+5 animals at 6 months interval):
Sr No Particulars Cost (Rs)

A Capital Cost
1 Civil work (asbestos sheet thatched shed)
a)Shed (50sqft/animal) for 10 animals @180 sq ft 90000/
b) Shed (20sqft/animal) for 10 calves @180 sq ft 36000/
2 Cost of animals @Rs 75000 (15 lt/day) 750000/
3 Transportation Cost 40000/
4 Dairy Equipment 30000/
5 Water Supply, Electrification, Misc 9900/
Total 955900/
B Recurring Cost (capitalized)
1 Labour cost & Wages 4800/
2 Fodder Cultivation/fodder purchase 12500/
3 Conc feed for 1st animal 9000/
4 Insurance for 1st animal with PTD cover 18750/
5 Veterinary aid and misc expenses 15000/
Total 60050=00
Total unit cost (rounded off) 1016000=00
Minimum margin money @ 15% 152400=00
Bank Loan 863,600=00
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Allahabad
8. Banking network & Trends in credit flow
The Lead Bank of the district is Bank of Baroda. As on 31 March 2017, there are 393
branches of Commercial Banks including 77 of Bank of Baroda and 112 branches of
BUPGB in the district. The total deposits as on 31.03.17 was Rs.35283 crore and
advances Rs.10646 crore. The rural branches of commercial banks are 170 and that of
BUPGB 83. Thus a total of 253 branches, the lion’s share is of Commercial Banks
followed by Baroda UP Grameen Bank.
Ground level credit flow for Dairy sector during the last 03 years:
(Rs. Lakh)
Financial Year CBs Coop. Banks RRBs Total
2014-15 8793.00 977.97 1998.00 11768.97
2015-16 9980.00 1976.00 2470.00 14426.00
2016-17 9997.00 989.97 4441.08 15428.94
9. Financing Agencies
i. Names of the Implementing Bank – All branches of commercial banks as well as

BUPGB in all twenty blocks.
ii. If a branch finances a minimum of 12 cases per bank branch in a year 3036 cases
of dairy loans can be financed and that will be ensured by a Committee of DM/
CDO, LDM, CVO and DDM NABARD. Since the target is small it can be achieved
easily under DEDS also.
10. Project Profitability

(For a 2 animal unit)
(Rs. Lakh)
Sr. Particulars/Years I II III IV V
No.
I. Income (Rs.)
i From sale of milk 1.88 1.88 1.88 1.88 1.88
ii From sale of manure 0.05 0.05 0.05 0.05 0.05
iii Income from gunny bags 0.05 0.05 0.05 0.05 0.05
Total Income 1.98 1.98 1.98 1.98 1.98
II Expenditure (Rs.)
i Concentrate Feed 0.44 0.44 0.44 0.44 0.44
ii Green Fodder(Rs.10000/- per unit) 0.22 0.22 0.22 0.22 0.22
iii Dry Fodder 0.09 0.09 0.09 0.09 0.09
iv Veterinary Aid (free from AH dept) 0.00 0.00 0.00 0.00 0.00
v Insurance 0.06 0.06 0.06 0.06 0.06
vi Misc.exp. (Water/Elect.) 0.01 0.01 0.01 0.01 0.01
Total Expenditure 0.82 0.82 0.82 0.82 0.82
Gross Surplus 1.16 1.16 1.16 1.16 1.16

(Rs. lakh)
No.
I. Income (Rs.)
Total Income 5.94 5.94 5.94 5.94 5.94
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Allahabad

No.
ii Green Fodder 0.66 0.87 0.87 0.87 0.87
iii Dry Fodder 0.27 0.21 0.21 0.21 0.21
v Insurance 0.18 0.18 0.18 0.18 0.18
Gross Surplus 3.48 2.91 2.91 2.91 2.91
(For a 10 animal unit) (Rs. Lakh)

No.
I. Income (Rs.)
Total Income 12.25 9.90 9.90 9.90 9.90
ii Green Fodder 1.10 1.10 1.10 1.10 1.10
iii Dry Fodder 0.45 0.45 0.45 0.45 0.45
v Insurance 0.30 0.30 0.30 0.30 0.30
Gross Surplus 6.75 6.75 6.75 6.75 6.75
11. Financial Analysis

(Rs. Lakh)
Sr.No Particulars/Years I II III IV V
I. Cost (Rs.)
i Capital Cost 1.67 0.00 0.00 0.00 0.00
ii Recurring Cost 0.82 0.82 0.82 0.82 0.82
Total Cost 2.49 0.82 0.82 0.82 0.82
II Benefits (Rs.)
i Income 1.98 1.98 1.98 1.98 1.98
ii Closing Stock Value 0.00 0.00 0.00 0.00 0.12
Total Benefits 1.98 1.98 1.98 1.98 2.10
Net Benefits (-)0.51 1.16 1.16 1.16 1.28
Benefit Cost Ratio (BCR) 1.595
Internal Rate of Return >50%

(Rs. Lakh)
I. Cost (Rs.)
i Capital Cost 6.17 0.00 0.00 0.00 0.00
Total Cost 8.63 2.46 2.46 2.46 2.46
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Allahabad

II Benefits (Rs.)
i Income 5.94 5.94 5.94 5.94 5.94
Total Benefits 5.94 5.94 5.94 5.94 6.39
Net Benefits (-)2.69 3.48 3.48 3.48 3.93

(Rs. Lakh)
I. Cost (Rs.)
i Capital Cost 10.16 0.00 0.00 0.00 0.00
Total Cost 15.66 5.50 5.50 5.50 5.50
II Benefits (Rs.)
i Income 12.25 12.25 12.25 12.25 12.25
Total Benefits 12.25 12.25 12.25 12.25 13.00
Net Benefits (-)3.41 6.75 6.75 6.75 7.50
12. Sensitivity Analysis & SWOT analysis
(Sensitivity analysis for a 2 animal unit)

(Rs Lakh)
Sr. Years/Particulars 1 2 3 4 5
No.
i Total cost after 5% increase 2.61 0.86 0.86 0.86 0.86
ii Total benefits after 5% reduction 1.88 1.88 1.88 1.88 1.88
iii Net benefits after 5% reduction (-) 0.73 1.02 1.02 1.02 1.13
iv Benefits to Cost Ratio 1.519
v Internal Rate of Return >50%
(Rs Lakh)
No.
(Rs Lakh)
No.
9
Allahabad
(II) SWOT analysis:
a. Strengths:
i. Good supplementary activity in the scheme area for doubling the farmers
income
ii. Adequate availability of forward and backward linkages in the scheme
area
iii. Farmers are well conversant with dairy farming
b. Weaknesses:
i. Limited green fodder availability in the scheme area
ii. Inadequate awareness among the farmers on scientific dairy farming
c. Opportunities:
i. Growing demand for milk from consumers in the area due to increasing
in income level
ii. Proximity to demand centres/markets
iii. Farmers do not follow scientific methods of dairy farming
d. Threats:
i. Weak monsoons adversely affect the milk production and thereby milk
procurement.
13. Repayment Period

(Rs. Lakh)
Year Bank Loan Gross Payment Payment Total Net
outstanding Surplus of of repayment Surplus
beginning End interest principal
I 1.42 1.13 1.16 0.17 0.28 0.45 0.71
II 1.13 0.85 1.16 0.14 0.28 0.42 0.74
III 0.85 0.57 1.16 0.10 0.28 0.39 0.77
IV 0.57 0.28 1.16 0.07 0.28 0.35 0.81
V 0.28 0.00 1.28 0.03 0.28 0.32 0.96

(Rs. Lakh)
I 5.24 4.20 3.48 0.63 1.05 1.68 1.80
II 4.20 3.15 3.48 0.50 1.05 1.55 1.93
III 3.15 2.10 3.48 0.38 1.05 1.43 2.05
IV 2.10 1.05 3.48 0.25 1.05 1.30 2.18
V 1.05 0.00 3.93 0.13 1.05 1.17 2.76

(Rs. Lakh)
I 8.64 6.91 6.75 0.63 1.73 2.76 3.99
II 6.91 5.18 6.75 0.50 1.73 2.56 4.19
III 5.18 3.45 6.75 0.38 1.73 2.35 4.40
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Allahabad

IV 3.45 1.73 6.75 interest
0.25 principal
1.73 2.14 4.61
V 1.73 0.00 7.50 0.13 1.73 1.93 5.57
14. Implementation and Monitoring
Role of various agencies:
i. Financing Bank
 Financing for units as per the projections in coordination with line departments
 Selection of borrowers
 Completion of loaning facilities in time
 Regular and effective monitoring of the progress of the project
 Identification and mitigation of risks, if any which may arise during the course of
implementation of the project
ii. Department of Animal Husbandry

 Providing AI and veterinary services and health certificates
 Training to farmers in coordination with the bank/NGO
 Linking to subsidy programmes of State Govt, if any with credit support to be
provided by bank under ADP
 Posing of projects under RIDF for infrastructure development
iii. Dairy Development Department/Dugdh Sangh

 Identification of potential areas along milk routes and coverage of farmers under
ADP.
 Milk testing, procurement and timely payment of milk bill to farmers covered
 Increasing the capacity utilization of existing BMCUs and installation of new
BMCUs/milk chilling units, if required
iv. LDM/DDM
 Meeting of branch managers of for allocation of programme targets
 Review of progress on quarterly basis and as and when the situation warrants
 Follow up with banks for submission of eligible proposals for assistance under
subsidy schemes of GoI/State Government
15. Conclusion
a) The Area Development Scheme on Dairy Development Sector, will discuss and
facilitate the implementation of perspective plan of the State Govt.,
infrastructure gaps, available incentives/schemes from both Central and State
Govt., fiscal incentives (taxes, subsidies etc.) available/being proposed for
development of the Sector, support mechanism available/needed for
procurement and marketing from State and Central Govt., and identify scope for
convergence of efforts and areas for financing in the entire value chain of the
sector. And this is how ADS is going to benefit the farmers in doubling their
income, increase in milk availability, increase in capital formation, etc.
b) Increase in Annual Production of the District – Even if the success rate is 50%
the financing of more than 1500 units in a year will contribute the increase of
about 70 lakh litres of milk per year with an increase of Rs.10.00 crore in Ground
Credit Flow in the district.
11

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Area Development Scheme- Dairy Development

Scenario of Dairy Sector in Allahabad District:

Reason for selecting Dairy Development as Area Development Scheme:

Role of Dairy Sector in the District:

No. of Total Land No. of Total Size of Land Avg. Size of

 Gross Cropped Area – 508783 Ha.

Livestock population/Production and Productivity (As per LS Census 2012):

2. Forward and backward linkages

Infrastructure for veterinary services:

Feed and fodder:

Marketing infrastructure (Milk societies, Milk routes, Milk procurement,

Sources for animals:

Sale price of Milk:

4. Selection of the beneficiaries

(ii) Unit Size:

5. Capacity building of the beneficiaries

6. Techno economic assumptions

Economic Assumptions Suggested Assumptions

Economic Assumptions Suggested Assumptions

Lactation Chart - Cross Breed Cows:

S. No. Particulars Years

Feeding schedule and cost of feeding:

7. Indicative Model Schemes for 02 Animal Dairy Unit

Sr. No. Particulars Cost (Rs.)

Sr. No. Particulars Cost (Rs.)

Sr No Particulars Cost (Rs)

Sr No Particulars Cost (Rs)

8. Banking network & Trends in credit flow

i. Names of the Implementing Bank – All branches of commercial banks as well as

10. Project Profitability

(For a 6 animal unit)

Sr. Particulars/Years I II III IV V

(For a 10 animal unit) (Rs. Lakh)

11. Financial Analysis

(For a 6 animal unit)

Sr.No Particulars/Years I II III IV V

(For a 10 animal unit)

12. Sensitivity Analysis & SWOT analysis

(Sensitivity analysis for a 2 animal unit)

(II) SWOT analysis:

13. Repayment Period

(For a 6 animal unit)

(For a 10 animal unit)

Year Bank Loan Gross Payment Payment Total Net

14. Implementation and Monitoring

Role of various agencies:

ii. Department of Animal Husbandry

iii. Dairy Development Department/Dugdh Sangh

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