PROJECT REPORT FOR

PRIMARY AGRICULTURAL CREDIT SOCIETIES

Table of Content

Detailed Project Reports for PACS..........................................................................................30

 PACS Computerisation Project - Guidelines

1 Introduction

The Primary Agriculture Credit Societies (PACS) form the

vital third tier in the three- tier structure of the Short Term
Cooperative Credit Structure (STCCS). The other two tiers
are comprised of District Central Cooperative Bank
(DCCBs) (2nd tier) and State Cooperative Bank (StCBs) (1st
tier). National Bank for Agriculture and Rural Development
(NABARD), has earlier taken the initiative to bring most of
the StCBs and DCCBs on Core Banking Solutions (CBS)
platform which has enabled them to give modern-day
technology-based banking facilities to their clients.
However, the PACS have so far been largely out of the
ambit of the technology support.

PACS are owned by farmers, rural artisans etc. and aim at

promoting thrift and mutual help among the members;
cater to their credit requirements and provide credit-linked
services like input supply, storage and marketing of
agricultural produce etc. DCCBs provide direct linkages to
the PACS through direct financing. The StCBs are
primarily responsible for control and coordination of the
finances of DCCBs.

The large out-reach of PACS to the Small and Marginal

Farmers (SMFs) make them a systemically important class
of agricultural credit purveying institutions. Further, there is
a felt need to develop cooperatives as vibrant business
enterprises by enabling them to provide multiple services
to their members with support of technology in order to fulfil
members’ requirements.

Keeping in view the above and to make PACS self-reliant

in tune with ‘Atmanirbhar Bharat Abhiyaan’, the
 Government of India (GoI) has, on 29 th June 2022
approved the Centrally Sponsored Project for
Computerisation of Primary Agricultural Credit Societies
for a period of five years from 2022-23 to 2026-27.

2 Aims & Objectives of the Project

The aims and objectives of the project inter alia include the following:

a. To bring in efficiency, accountability, transparency

at PACS and improveprofitability.
b. To bring in accuracy and uniformity in the conduct of business,
accounting with
entries originating at the transaction level and
reporting thereof through standardization of
processes, implementation of Common Accounting
System (CAS) and Management Information System
(MIS) and compliance to stipulations.
c. To transform PACS into multi service entities, offering
to members in particular and the rural population in
general, an array of services covering agriculture and
allied activities; financial and non-financial products.
d. To seamlessly connect PACS with the higher-tier
institutions and Government departments in the
domains of agriculture, banking and rural development
for dissemination of knowledge to grassroots.
e. To leverage on the unique strength of PACS i.e. their
captive member base, to design and offer
personalized products and services and thereby
improve the socio-economic landscape of rural India.
f. To ensure accurate delivery of funds and subsidies
through DBT to the targeted beneficiary groups.
g. To enable PACS to provide doorstep banking services
to facilitate easier access to banking services.
h. To enable PACS to utilize digital acceptance
 infrastructure like Point of Sale (POS)/ mobile POS
(mPoS)/ QR Code Readers/Green Pin solution /BHIM
Aadhaar pay device, etc. in the establishments run by
PACS like fertilizer shops, Seed Processing units, etc.
to facilitate cashless/digital transactions.
i. To expand financial services to unbanked villages /
areas, improve the overall performance and efficiency
of PACS and STCCS, increase rural employment
opportunities and reduce migration to urban areas.

3 Project Details

3.1 Title of the Project

Centrally Sponsored Project for ‘Computerisation of
Primary Agricultural Credit Societies’.
3.2 Sponsoring Agency
Ministry of Cooperation, Government of India.
3.3 Duration of the Project
For a period of five years from 2022-23 to 2026-27.
3.4 Sunset Date of the Project
Sunset date of the project will be 31 March 2027.
3.5 Type of Project
Centrally Sponsored Project with one-time assistance
from the GoI. Extant Centrally Sponsored Scheme
(CSS) guidelines are applicable.

3.6 Project Beneficiaries

63000 PACS, LAMPS etc. will benefit directly through
computerization of their credit/ non-credit business
activities related to Agriculture and Allied activities.
(In North East and Tribal Areas of the country, due to
thinly populated area, Large Area Multipurpose
Societies (LAMPS) are prevalent which function more
or less like PACS. Such LAMPS or any other societies
similar to PACS will also be covered in this project
 within the proposed budget outlay).

3.7 Implementation Mechanism

3.7.1 Formation of Implementation and Monitoring
Committees

National and State level Implementation and

Monitoring Committees shall be constituted as detailed
hereunder for implementation of this project. These
committees will ensure real-time monitoring and
effective feed-back about the implementation of the
scheme.

i) National Level Monitoring and Implementation Committee

(NLMIC):
a) Members of NLMIC:
i. Secretary (M/o Cooperation, GoI) (Chairman)
ii. Additional Secretary & Financial Advisor (M/o Cooperation,
GoI)
iii. Joint Secretary (M/o Cooperation, GoI)
iv. Chairman, NABARD
v. Principal Secretaries (Cooperation) of selected States
vi. Representative of NITI Ayog
vii. CEOs of selected State Cooperative Banks
viii. Deputy Managing Director (Institutional Development
Department),
NABARD -Member Secretary

b) Role of NLMIC:
i. Guide and steer the implementation of the project.
ii. Approve the guidelines for implementation of the project.
iii. Review the progress of implementation of the project
periodically.
iv. To consider and authorize the appropriation of
the funds from one component of the project to
another within the overall budget outlay of the
project, if required.
 v. Monitor functioning of central Project Monitoring Unit (PMU).
vi. Act as final Grievance Redressal Authority for the project.

NABARD will be responsible for implementation of the

project at the central level under the guidance and
directions of NLMIC and Ministry of Cooperation,
Government of India. It will establish a core team of its
officers for this purpose whichwill be assisted by a Project
Monitoring Unit (PMU) manned by professionals and
experts. Further, NABARD will also act as a custodian on
behalf of GoI of the common software and all the financial
and personal data generated/captured on the software.
After completion of the project, NABARD will manage the
system in coordination with the State Governments and will
be responsible for its sustainability.

ii) State level Implementation & Monitoring Committee (SLIMC)

a) Members of SLIMC
i. Addl. Chief Secretary/Principal Secretary/Secretary,
Co-operation -
Chairperson
ii. Principal Secretary/Secretary (Finance) - Member
iii. Registrar of Cooperative Societies (RCS) - Member
iv. Chief General Manager (CGM)/OIC, NABARD - Member
v. Three DCCBs by rotation - Members
vi. MD/CEO-State Cooperative Bank - Member Secretary

b) Role of SLIMC
 To implement the approved guidelines at the state
level and provide feedbackto NLMIC.
 To guide and steer the implementation of the project in the state.
 To examine and recommend the proposals to be taken up in this
project.
 Any other role assigned to it by the NLMIC.

iii) District Level Implementation & Monitoring Committee (DLIMC)

a) Members of the DLIMC:

i. District Collector/District Magistrate - Chairperson

ii. District Development Manager (DDM), NABARD - Member
iii. Officials notified by the respective State/UT Governments –
Members
iv. MD, District Cooperative Bank/ Suitable official
nominated by StCB (for stateswith 2 tier system)-
Member Convener
v. Representation of selected PACS – Members

b) Role of DLIMC:

i. To be the first line of implementation and

monitoring system within the overall framework.
ii. It will be responsible for the smooth
implementation of the project as per approved
guidelines and provide necessary support like
power, connectivity, etc.
iii. Any other role assigned to it by the NLMIC/ SLIMC.

3.8 Project Cost, Sources of Funds & Funding Pattern

3.8.1 Project Cost:

The total cost of the project is estimated at ₹2516.00 crore to be shared

as under:

Agency Cost share (₹ Crore)

Government of India (60.73%) 1528
State Govt. (29.25%) 736
NABARD (10.02%) 252
Total 2516

However, the exact cost of the project shall be finalised by

NABARD following due procedure for procurement
through open bidding as per the relevant procurement
guidelines.
 3.8.2 Component wise Cost Sharing Pattern:

Component Cost Sharing pattern

Comprehensive software To be shared by GoI and NABARD. NABARD will
(including cyber security and contribute ₹252.00 crore (about 10% of the project
data storage) and Training
cost) and the remaining will be borne by GoI.
(including cyber security and
data storage) and Training
Other Components To be shared as per the extant guidelines of
(Hardware, Digitization and Centrally Sponsored Project.
support system)  Share of GOI: State will be 60:40.
 For Northeastern and Hilly States share will
be 90 (GoI):10(State).
 For UTs (without legislature) 100% by GoI.
 For UTs (with legislature) share will be 80
(GoI):20(State).
PMU and Administrative Cost This cost will be borne by GoI upto ₹ 50.00 crore.
Any additional expenditure beyond ₹ 50.00 crore,
will be borne by NABARD.

3.8.3 Item wise cost estimate per PACS

The item-wise cost estimate per PACS is given as under:-

Amount in
SN Item
₹ per PACS
A Per PACS project cost
Hardware –Computer, Multi-functional Devices (MFD),
UPS, webcam, bio-metric scanner, external HDD,
(i) including 5 years of AMC for hardware, tablet/mobile,
passbook printer, electrical arrangements/power 1,22,158/-
switches etc.
 A Comprehensive ERP solution covering Membership,
financial services – deposits; lending including ST, MT
and LT, procurement, processing units, PDS,Business
(ii) planning, warehousing, merchandising, borrowings,
asset management, human resource management,
72,103/-
RuPay / KCC integrations, etc. with
cyber security and data storage facility.

Amount in
SN Item
₹ per PACS
(iii) Training 10,198/-
a. Implementation Services including data preparation,
digitization, verification till final reconciliation andporting
into the ERP solution for Operationalization (Rs.

(iv) 1,10,000/-)
b. Maintenance and Handholding support (Rs. 1,86,910/-

76,910/-)

(v) Total cost (per PACS) Rs.3,91,369/-

However, the exact item-wise cost per PACS shall be

finalised by NABARD following due procedure for
procurement through open bidding as per the relevant
procurement guidelines.

3.8.4 Component wise Fund Flow Mechanism

The component wise Fund Flow mechanism of the project will be as
under:
 Cost
Sl
per Total cost Source of
No Component Release of Fund
PACS (in ₹ crore) funds
(in ₹)
1 Software 72,103 454.24 Shared by GoI 1. GoI share towards
with cyber and NABARD. the software with
security NABARD will cyber security and
and data contribute data storage, will be
storage ₹252.00 crore passed on to
(about 10% of NABARD.
the project 2. Vendor bills will be
cost) and the settled by NABARD
remaining will as per provisions of
be borne by the contract.
GOI
 Cost
Sl
per Total cost Source of
No Component Release of Fund
PACS (in ₹ crore) funds
(in ₹)

2 Hardware 1,22,158 769.59 As per the 1. GoI share towards

extant hardware will be passed
guidelines of to the State Government
Centrally directly.
Sponsored 2. State Government will
Project. put in place suitable
a. Share of mechanism for settling
GOI: State vendor bills.
will be 3. The DLIMCs will
60:40. review the acceptance
b. For North- challans signed by the
eastern and respective PACS
Hilly States secretaries and resolve
share will be issues if any.
3 Digitization 1,10,000 693 90 (GoI):10 1. GoI share towards
(State). digitization will be passed
c. For UTs on to the State
(without Government directly.
legislature) 2. State Government will
100% by put in place suitable
GoI. mechanism for settling
d. For UTs vendor bills.
(with 3. The DLIMCs will
legislature) review the certificate of
share will be completion of the
80 (GoI):20 respective stage signed
(UT). by the respective PACS
 Cost
Sl
per Total cost Source of
No Component Release of Fund
PACS (in ₹ crore) funds
(in ₹)
secretaries and resolve
issues, if any.
4 Support 76,910 484.53 1. GoI share towards
System support system will be
passed on to the State
Government directly by
GoI.
2. State Government will
put in place suitable
mechanism for settling
vendor bills on the basis
of recommendation of
SLIMC.
3. The DLIMCs will
review the certificates of
availability of the service,
signed by the respective
PACS secretaries and
resolve issues, if any.
5 Training 10,198 64.24 1. GoI share towards
support system will be
passed on to NABARD
directly.
2. NABARD will settle
bills from the training
institutions on the basisof
documentation/
location/ number of
trainees etc.
 Cost
Sl
per Total cost Source of
No Component Release of Fund
PACS (in ₹ crore) funds
(in ₹)
6 PMU and 7936.50 50 This cost willbe Bills raised by state level
administratio borne by GoI PMUs in respect of
n upto contract staff and other
₹50.00 crore. incidental expenses etc.
Any additional and the same for central
expenditure PMU will be settled by
beyond ₹50.00 NABARD and adjusted
crore will be against the GoI shareupto
borne by a limit of ₹50.00 crores.
NABARD. Salaries of regular staff
of NABARD engaged in
the PMU will not be
booked under PMU
expenses.

Total 2516
(approx.)

3.1 Phasing of the project

Total No. of PACS to be Maintenance and hand-
Year
computerized holding support
Year I 2022-23 13,000
Year II 2023-24 20,000 Handholding support of
Year III 2024-25 30,000 total 5 years from 2022-23
Year IV 2025-26 to 2026-27.
Year V 2026-27
Total 63,000
3.9 Basic Architecture of the Project

3.10.1 One common ERP software will be provided to

all the PACS in the project, across the country, to
capture data on all functionalities of PACS, both
credit and non-credit. This software would be
customisable for state specific needs. At the
national level, NABARD will engage a vendor
namely National Level PACS Software Vendor
(NLPSV) to provide the common software including
cyber security and data storage through open
bidding as per the relevant procurement guidelines.

3.10.2 NABARD will prepare and publish a central panel

of System Integrators (SIs) through open bidding.
States are to select the SIs from this central panel
with a ceiling on number of PACS that one SI can
take up. SIs will prepare legacy data, digitise and
port this data into software, recommend state
specific customization required in the common
software and provide the support system. In the
project, there will also be a provision to run the
software on offline mode and later upload the
data in the system in case of network issue.
PACS in various States are at various levels of
computerization. This means that some PACS
have been computerised (mostly working on a
stand-alone basis) while others not computerised
at all. In respect of PACS which have been
computerised, expenditure will be reimbursed to
States
₹50,000/- per PACS subject to the condition that,
(i) They integrate their software with the National PACS
Software,
(ii) Their hardware meets the required specifications and
 (iii) The computerization of PACS was
commissioned by the State on or after 01
February 2017 i.e. the date of budget
announcement by Central Government for
computerization of PACS.
PACS which have not been computerised by
such states will be taken up under this project at
full cost.
For sustainability of the project, maintenance and
handholding of the software and hardware is
considered critical. For this purpose, the Project
envisages a support system by setting up one
support centre on an average at cluster of
around 200 PACS/ District Level. These
support

centres, to be set up by the System Integrator(s),

will report to State PMUs which will also serve as
State level support centre. This entire support
system will be under the overall supervision and
control of the State Governments and will be
operated by the concerned SI.
States/UTs to procure hardware for the project
through Government e- Marketplace (GeM)
Portal.

3.10.3 The basic responsibility of training on use of

software will lie with NLPSV. NLPSV will provide
necessary inputs to State level SIs and National
Level Training Institutions to facilitate creation of
trainers at National and State Level. The trainers
will be drawn from all training institutions in
cooperative sector. After migration to the
software, employee(s) of the PACS will be given
adequate trainings about functioning of the
 software and how to work on it. Hands on training
will be given through National Council for
Cooperative Training (NCCT) institutions and
Scheme of Financial Assistance for Training of
Cooperative Banks Personnel (SOFTCOB)
assisted Institutions like Agricultural Cooperative
Staff Training Institutes (ACSTIs) and other
Cooperative Training Institutes under the
administrative control of State Government.
Expenditure on this account will be shared by GoI
and NABARD. A training calendar will be
prepared by NABARD mapping every PACS
under the project.

3.10.4 For implementation and monitoring of the project,

creation of a core team at NABARD, Head Office
with the team members constituted from its
officers has been envisaged. This core team will
be assisted by Project Monitoring Unit (PMU)
hired by NABARD for the project. NABARD may
hire staff/professional or technical experts for the
PMU on contractual basis. Similarly, NABARD
will set up state PMUs to assist states in
implementation and monitoring of the project at
state level, which will also function as the state
level support centers. These State PMUs will
also be manned by NABARD officials and
contractual staff/ experts.

3.11 Data Management

The data shall be housed at the National Level Data

Repository (NLDR). Data generated at PACS would be
routed, either through the DCCBs or State DataCenters, to
the National Level Data Repository (NLDR). All data will be
shared with/ deposited and maintained at NLDR, in
conformity with the rules and regulations. Given availability
of connectivity, all data will be available at NLDR level as
at the end of the previous day.

The data will be maintained at NLDR and will be available

for use by Central Government, State Government and
other authorised stakeholders. The data will be utilized to
generate various national/ state/ district level reports for
Government of India, State Governments, NABARD,
StCB, DCCB and other stakeholders, for the purpose of
information based effective policy making.

3.11 Selection of PACS

 All functional PACS will be eligible for joining the

project. A PACS will be deemed functional if it fulfils
the necessary condition i.e. completion of Audit of
accounts of PACS for the financial year 2021-22. If
the selection is being done in FY 2023-24 or FY
2024-25, then audit of the respective previous year
will be the cut-off date for audit.
 For deciding upon the order in which the eligible
PACS are to be taken up under the project, the
following norm for prioritization will be followed:
o PACS without computerization - priority
o PACS with some computerization but needs
upgradation - secondpriority
o PACS with computerization achieved
through State Govt./ StCBs/ DCCBs – Third
Priority
 The DCCBs/ StCBs will make their selections,
based on the allocation, also considering aspects
such as prioritising backward areas and ensuring
functional sustainability of the project.
  The selection will be recommended by the DLIMC
to the SLIMC. After that, SLIMC will send their final
proposal to NABARD for its implementation.

4 Project Monitoring Units (PMUs)/Support Teams

4.1 Central PMU:

a. Roles and responsibilities of central PMU
Central PMU will:

i. Be set up by NABARD and manned by Management &

Technical Experts.
ii. Finalize project design and implementation strategy.
iii. Undertake stakeholder consultation with
States, Central Government, RBI,Banks etc.
iv. Finalize the requirement of hardware and
functionalities of software for theproject.
v. Undertake bidding and short listing exercise as
per the provisions ofGeneral Financial Rules
(GFR), 2017.
vi. Provide technical support during and after the
implementation of theproposed Project.
vii. Guide the NLPSV regarding customization of
the central software basedon the state-wise
feedback/needs.
viii. Provide guidance to the state level PMUs.
ix. Provide necessary inputs to the
National level Monitoring and
Implementing Committee (NLMIC).
x. Prepare necessary reports and dashboards
(MIS etc.) for facilitatingreview at National/
State Level.
xi. Ensure periodical reporting of the progress to the
Government of India.
xii. Provide guidance on the business aspects to
 the PACS as well as monitorthe
implementation carried out by the selected
vendors.
xiii. Undertake planning and execution of the
training and capacity building atall levels.
xiv. Ensure the preservation of the data and
provide measures for dataanalysis & analytics.
xv. Undertake all other matters necessary for the
successful implementation of the project, duly
consulting NABARD/ GoI.

The team will be physically present at NABARD, HO and will be supported by the
NLPSV, teams of data analysts, programmers,
documentation specialists and other team members from
respective locations.

4.2 State PMUs:

a. Roles and responsibilities of State PMU

PMUs at the State level will:

i. Be manned by NABARD’s officials and Management & Technical

Experts.
ii. Will function under the overall guidance of the
Central PMU and report to StateSecretary of Co-
operation Department.
iii. Provide management/technical support during and
after the implementation ofthe proposed Project.
iv. Assist in identification of functional PACS for
computerization in consultation with State
Government within overall project guidelines.
v. Be responsible for identifying the customization
needs at the state level andreport to the central
PMU/SI.
vi. Liaise with state level stakeholders.
 vii. Arranging for stakeholder capacity building at the state level.
viii. Follow up with stakeholders for successful implementation at the
state level.
ix. Provide guidance on the business aspects to the
PACS as well as monitor theimplementation carried
out by the selected vendors.
x. Prepare necessary reports (MIS etc.) for facilitating review at
State Level.
xi. Facilitate planning and successful execution of the
training and capacitybuilding at all State/ PACS
level as advised by Central PMU.
xii. Undertake all other matters necessary for the
successful implementation of theproject, duly
consulting all the stakeholders.

4.3 Support Teams at District/ Cluster levels

There will be field level ‘support teams’, set up and

maintained by System Integrator, at a cluster of about 200
PACS/ District Level, manned and assisted by persons
with qualifications/ experience in installation of computers/
trouble shooting for hardware and software, field level on
the job training etc. These support teams will continue to

work throughout the project period. In the post project

period, suitable pay for use models will be developed for
sustained support for PACS. However, some states with
much less number of PACS like the NER/Goa/ Andaman
and Nicobar Islands, will have teams of smaller size.

5 Stakeholders

5.1 Roles and responsibilities of various stakeholders of the

project
5.1.1 Government of India:
 Government of India i.e. Ministry of Cooperation
will be responsible for guiding the overall
implementation and monitoring of the project
through NLMIC.

5.1.2 State Governments:

a. State Governments will be responsible for

implementation and monitoring of the project in
their respective states through the State Level
Implementation and Monitoring Committee
(SLIMC) and District Level Implementation and
Monitoring Committee (DLIMC).
b. To hold meetings of the SLIMC regularly, record
discussions and decisions, communicate the
same to relevant stakeholders and follow up for
action thereon.
c. Ensure that list of PACS, to be taken up for
computerisation, is approved by the SLIMC,
based on eligibility criteria.
d. Ensure that District Level Implementation and
Monitoring Committees (DLIMCs) are set up in
the relevant districts with involvement of the
DCCB and other stakeholders as indicated in the
project guidelines and ensure regular meetings
thereof.
e. Where there are more than one DCCB working
in a district, States through StCB to involve all
DCCBs to act on behalf of their respective
PACS.
f. To coordinate with the NLMIC and also maintain/
share data on the progress of the project.
g. Facilitate customisation of the national level
PACS Computerisation Software (PCS) as per
requirement of the PACS in the state including
 modules and MIS.
h. Ensure that the System Integrator(s) (SI) is
identified for the state through due process.
i. Ensure data readiness and infrastructure
preparedness of the PACS for migration.
j. Enter into Service Level Agreement with SI,
monitor their work and release funds to these
agencies, based on the approved performance
milestones.
k. Ensure inflow of funds from GoI (through
NABARD) for proper implementation of the
project as also maintain necessary accounts.
l. To procure hardware as indicated at para 3.8.3
A (i) herein, through GeM Portal. SI can be
included in the procurement committee formed
by the State Government / UT Administration, if
required.
m. General Financial Rules (GFR), 2017 and other
extant guidelines issuedby Government of India
in this regard, shall be followed in the
procurement process.
n. To ensure AMC for the hardware for the entire
project duration, i.e. for five years (2022-23 to
2026-27).
o. The hardware shall conform to the specifications
indicated by NABARD to ensure compatibility
with the National Level PACS Software.
p. The purchased hardware shall be delivered and
installed at PACS premises and hardware
vendor shall provide on site support during
warranty/AMC period. He shall also provide
demo and duly advise maintenance
requirements to the PACS staff.
q. The work order to the vendor shall be issued by
 the State Government / UT, with the approval of
State Level Implementation & Monitoring
Committee (SLIMC).

5.1.3 NABARD:

a. NABARD will implement the project and act as

project manager for the PACS Computerisation
Project at Central level under the guidance and
directions of National Level Monitoring and
Implementation Committee and Ministry of
Cooperation.
b. NABARD will establish a core team of its officers for this
purpose which
will be assisted by a Project Monitoring Unit
(PMU) manned byprofessionals and experts at
national and state level.

5.1.4 State Cooperative Bank:

a. Form a dedicated PACS Computerisation

Cell, equipped with IT trainedmanpower,
within the Bank for this Project.
b. Act in capacity of Member Secretary of the
State Level Implementationand Monitoring
Committee (SLIMC).
c. Play the role of coordinator between the DLIMC and SLIMC.
d. Obtain authorisation from DCCBs and PACS
for entering into agreementswith SI or any
other stakeholders on behalf of the DCCBs and
PACS.
e. Take any other action necessary for
successful implementation of theproject
within the overall time frame of the project.
5.1.5 District Central Cooperative Banks:

a. Form a dedicated PACS computerisation cell

within the Bank for thisproject.
b. Act in the capacity of Member Secretary of the
District Level Monitoring and Implementation
Committee (DLIMC). As Member Secretary of
the DLIMC, convene meetings of the DLIMC,
record discussions and decisions, communicate
the same to relevant stakeholders and follow up
for action thereon.
c. Arrange to prepare list of eligible PACS as per
approved eligibility criteria and prioritise the
same as per the prioritisation norms, get it
recommended by the DLIMC and refer to SLIMC
for approval.
d. Procure letters of authorisation permitting StCB
to enter into agreementson its behalf from each
of the participating PACS and issue letter of
authorisation to StCB, based on the same.
e. Ensure data readiness and infrastructure readiness of the
PACS.
f. Guide and monitor the progress of
implementation of the project at the PACS.
g. Ensure that implementation problems are resolved by the SI
or escalated
to the DLIMC/ SLIMC, as may be required.
h. Put in place a mechanism to ensure that the
data at End of Day (EoD) is sent to the Data
Repository, after Go-live of the PACS.

5.1.6 Primary Agricultural Credit Societies:

a. Check own eligibility as per norms.

 b. If eligible, then check priority status as per norms.
c. If some criteria are not fulfilled, arrange to plug the gaps.
d. Submit application to the DCCB/StCB (in case
of states with 2 tier structure) for inclusion in the
list of eligible PACS.
e. Issue letter of authorisation to the StCB, through
DCCB, authorising StCB to enter into
agreements on its behalf for this project.
f. Ensure onsite data readiness and infrastructure readiness.
g. Maintain data on the progress of the project to
be shared with DCCB. This involves issuance of
installation certificate after the hardware is
installed, AMC contract with hardware vendor
for five years, signing the migration certificate
after the data is migrated to the new software
and other such milestones.
h. Ensure regular use of the software after migration.
i. Take full advantage of the handholding support provided
under the project.
j. Ensure regular transfer of data to the
National Data Repository, if thePACS is
working on offline mode.
k. Ensure that sanctity of the IT environment is
maintained by following stepsas advised by the
SI.
l. Report problems in implementation to the
DCCB, to be resolved either atDLIMC or
escalated to SLIMC, as may be necessary.
m. Liaise closely with SI for ensuring that all
activities of the PACS andaccounts are
captured appropriately.

5.1.7 National Level PACS Software Vendor (NLPSV):

 a. Provide a national level PACS Computerisation Software
(PCS).
b. Customise the software based on the requirement of each
state.
c. Facilitate the SIs, in deployment of the PACS software.
d. Provide help desk support to PACS during the project period.
e. Provide training solutions on the software to
trainers under Training ofTrainers (TOT)
arrangement.

5.1.8 National Level Data Repository Vendor (NLDRV):

a. Be responsible for national level data

storage, security and datamanagement.
b. Generate reports required at
i. National Level
ii. State Level
iii. NABARD
iv. Other stakeholders as directed
by GoI/ NABARD/
Stategovernments

5.1.9 System Integrator (SI) state-wise:

a. SI will coordinate with States/UTs for

installation of software prepared byNLPSV.
b. Digitise existing manual/ semi computerised/
computerised data ofPACS, including legacy
data.
c. Migrate PACS data to the new software and
obtain migration certificatefrom the PACS /
DCCB.
d. Integrate the software installed at the PACS
with the National DataRepository to ensure
that the data is stored at the Data Repository.
e. Train DCCB personnel as Master Trainers
 and train PACS personnel onsoftware usage
and hardware maintenance.
f. Handhold PACS, on dedicated basis for at
least 2 weeks from the dateof go-live.
Thereafter, provide handholding on cluster
mode.

6 Legal Framework

The project will adhere to the respective State

Cooperative Acts under which thePACS are working. The
implementation of the project shall be bound by the
following

agreements:

(a) A Service Level Agreement (SLA) will be executed

between NABARD and the National Level PACS
Software Vendor (NLPSV) as also between
NABARD and the National Level Data Repository
Vendor (NLDRV).
(b) A Service Level Agreement (SLA) will also be
executed between StCBs/ DCCBs and the System
Integrator(s) (SI).

7 Upkeep and maintenance of assets created

7.1 The software maintenance, in terms of upgrades/

antivirus and incorporation of new modules for new /
innovative activities initiated by the PACS, as also
maintenance of the data repository, will be done under
contract given to vendors at NABARD level with NABARD
as facilitator for initial five years.

7.2 Maintenance of the hardware installed at PACS will

be the responsibility of the respective PACS, DCCBs/
 StCBs on an ongoing basis even after completion of the
project period.

7.3 The central infrastructure facility and common

software will be maintained and updated by NABARD
periodically. A suitable Pay per use arrangement will be
finalised by NABARD in consultation with StCB/State Govt.
for the period beyond thecurrent project period of 5 years.

7.4 This will be a periodic contractual exercise, which

will be funded from contributions by various tiers of the
system during and beyond the project period, as per the
requirements.

7.5 State Level support teams will continue to work

under aegis of StCB andState Government and suitable
pay per use models will be designed for financial closure
for such continued functioning of support teams. NABARD
shall guide and handhold the support teams / StCBs/ State
Governments on an ongoing basis.

8 Deliverables of the
Project

8.1 Transparent and Complete accounting System

Accounting as per CAS (Common Accounting System) &
MIS (Management Information System) prescribed by
NABARD – Origination of accounts on the basisof the
member transactions and automation of all the
businesses, their business processes and associated
calculations for all financial transactions. In an ideal
automated accounting system, every single entry, based
on transaction of any nature, shall:

1. Enable automatic posting and recording in all relevant heads of

accounts.
2. Be in conformity with all pre-sets like rate of interest,
 period (including days) ofinterest applicability, etc.,
3. Appropriate amounts to various heads of accounts
as per the prescribed priorities.
4. Generation of accurate NPA, Interest subvention
statements covering the State and Central
components and other important & relevant
disclosure statements.

8.2 Governance
1. Alerts on the conduct of Board Meetings and General Body
meetings.
2. Prompting on Agenda preparation.
3. Record Keeping of Board & General Body Meeting proceedings.
4. Real time information flow and access to all stakeholders.

8.3 Enablement
a. Optimal use of Infrastructure – currently substantial
warehouse capacities are being created under
Atmanirbhar Bharat program.
b. Market connectivity – access to the agri-produce
information of members can facilitate the institution
for procurement, processing and marketing thereof
resulting in better price realization to farmers.
c. Providing multiple financial and non-financial products, citizen
services etc.

9. Expected Outcomes of the

Project:

i. PACS functions will be faster, transparent and accountable.

ii. Migration of the legacy data.
iii. Timely generation of MIS.
iv. Improved facilities (credit & non- credit) to members at PACS
level.
v. Financial irregularities can be prevented on time.
vi. Increase in work efficiency of the PACS staff.
vii. Enhanced financial inclusion and business opportunities for the
members.

9.1 Statutory Audit

An automated accounting and audit process delivers
prompt and accurate audit statements leading to
completion of audit within 2 to 3 days from the date of
closure of financial accounts (31st March) – the current
practice of manual accounting and preparation of audit
statements often results in inaccuracies and delays in
completing financial audits.

9.2 Transparency in Operations and Productive Manpower

Deployment
Further, automation of all the businesses and their
business processes will lead to complete transparency and
ease of use besides providing quality time for the PACS
staff and administration to plan and undertake other
profitable businesses and services.

9.3 Integration
Seamless integration with all the relevant governmental
agencies and departments and more specifically the
higher financing agencies leading to better financial
management and account reconciliations.
Detailed Project Reports for PACS

Name Of Scheme
AGRICULTURE INFRASTRUCTURE FUND (AIF)
DPR

Annexure 1 - Estimated cost of the project

Estimated cost of project

Grand
Sr. No. Particulars Total (in
lakhs)
1 Land and site development
(a) Land (Lease in name of company) -
Total -

2 Site Development 22.00

(a) Total 22.00

3 Civil Work
(a) Civil Work
Total -

4 Plant and Machinery (indigenous)

(a) Plant and Machinery 84.70
Total 84.70

5 Miscellaneous Fixed Assets

(a) Cost -

6 Working Capital Margin 8.30

7 Preliminary Expenses
(a) Security Deposit -
Total

8 Pre-Operative Expense
(for 6 months up to the date od
commencement of
commercial production)
(a) Establishment and Travelling and Other -
Expenses
(b) Legal and Misc Expense -
Total -

9 E mandi expense -
Total Cost of Project 115.00

AGRICULTURE MARKETING INFRASTRUCTURE (AMI)

https://www.nabard.org/info-centre-model-bankable-projects.aspx?cid=506&id=24

Fill up this page by open the link

SUB-MISSION ON AGRICULTURAL MECHANIZATION (SMAM)

DPR Template for projects under Agriculture Infrastructure Fund1

1. Details of the Applicant

SN Particulars Details
i. Name of the Applicant
Constitution Legal Status of Applicant :
(i.e. Govt. organization, NGO, Co-operative
ii. society, Company, partnership firm, To be filled by the applicant
proprietorship firm, Individual, FPO, Self Help
Group, etc.)
iii. Registration No. of Applicant/CIN
iv. GST No. of Applicant
v. Date of Establishment/ Incorporation
vi. Address of the registered office
vii. PAN No. of Applicant
viii. Address of the proposed site
ix. District
x. State
xi. Pin Code
Whether lead promoter belong to SC/ ST/
xii.
Woman/Minority
*Details of associates/ allied firms, if any may also be provided.

2. Contact details of the

Applicant/Promoter(s)/Partner(s)/Directors(s)/ Members
including addresses, telephone, mobile, fax, e-mail, website,
PAN etc.

SN Name of Applicant/ Address Telephone Mobile E-mail Id Any

Promoter(s)/ No. No. other
Partner(s)/ details
Director(s)/ Members
1
To be filled by the applic ant
2

3. Details of the Promoter(s)/Partner(s)/Directors(s)/ Members

1
This template is prepared keeping in mind the essential information required by the lending institutions to process the loan
application. Different formats of table/description can be used for preparation of the DPR but all the required information in
template should be included in the DPR.
 Model DPR for Reefer Van

S Name of Aadhaar PAN Academic Net DIN Credit Date of Partne r

N Promoter(s)/ No. No. and Worth No. Rating Share profit
Partner(s)/ technical holding sharing
Director(s)/ Qualificati ratio
Members on
1
To be filled by the applicant
2

4. Relative experience of the

Applicant/Promoter(s)/Partner(s)/Directors(s)/ Members

S Name of lead Detail of Details of Supporting

N Applicant/Promoter(s)/Partner(s)/ Experience Turnover Document
Members of Applicant Entity (year- attached, if any
wise) (Yes/No)
1 To be filled by the applicant
2

5. Details of Existing Banking and Credit facilities of the Applicant/ Promoter(s)/

Partner(s)/ Directors(s)
Name
Types of Outstandin
Bank Rate of
S of Limit g as on Securitie Repaymen Purpos
interes
N Facilit and s dd/mm/yyy s t terms e
t
y Branc y
h
Cash
1
Credit
Term
2 To be filled b y the applicant
Loan
3 Others

*Information pertaining to credit rating (internal /external) may also be shared along
with the aforementioned information
Details of GST Returns submitted, if any or status of registration
 Model DPR for Reefer Van

6. Project Details
a. Objective of the proposed project: REEFER VAN
b. Category of proposed infrastructure as per the Scheme:
 Model DPR for Reefer Van

1 Supply chain
2 Warehouses
3 Silos
4 Pack Houses
5 Assaying Unit
6 Sorting & Grading unit
7 Cold Chain
8 Logistics facilities
9 Primary Processing Centres
10 Ripening Chambers
11 Organic input production
12 Bio stimulant production unit
13 Infrastructure for Smart and precision agriculture
Projects identified for providing supply chain
14 infrastructure for clusters of crops including export
clusters.
Projects promoted by
Central/State/LocalGovernments or
15 their agencies under PPP for
building community farming assets or post-harvest
management projects.
16 Any other (Smart and precision agriculture) ✓

c. Type of Operating Model (Rental, PPP, captive, Lease, Franchis e etc.) and details

To be filled by the applicant, some sample details are added

 Model DPR for Reefer Van

7. Land Details:
SN Particulars Details
1 Land Area NA
2 Status of Legal title & Possession
3 if leased, Period of lease
4 Coordinates of location
5 Details of CLU
Connectivity to roads
6 I. State Highway (in Km.) XX Km from YY road
II. National Highway (in Km.)
7 Availability of Water Borewell and water pipe line
8 Availability of Power State electricity board

8. Proposed facilities:
I. Details of proposed facility

Type of facilities proposed to No. of Total Capacity No. of Days of

SN
be created Units [MT, Ltrs, MT/Hr. operation
1 Warehouse
2 Silos
3 Pack-house
4 CA Store
5 Cold store
6 Frozen store
7 Pre-cooling Chambers
Assaying, Sorting, Grading,
8 Waxing, Weighing, Packing
facility [Modify as per actual]
9 Ripening Chambers
10 IQF
11 Blast Freezing
Refrigerated Vehicles/ Reefer
12
vans
13 Mobile Pre-coolers
Insulated/ non-insulated 225 MT per
14 2 Units 300 days
distributionvehicle annum
 Model DPR for Reefer Van

Type of facilities proposed to No. of Total Capacity No. of Days of

SN
be created Units [MT, Ltrs, MT/Hr. operation
15 Irradiation Facility
16 Organic input production
17 Bio Stimulant production units
18 Others

II. Details of technologies to be used/ alternative technologies

III. Flow chart of activity process
IV. Reefer vehicles
Inefficiencies in the post-harvest value chain in Indian agriculture stifle farmer incomes and
are a barrier to the realisation of the full potential of Indian Agriculture. These inefficiencies
arise from losses during harvesting, threshing, drying, poor storage facilities, transportation
problems, defective packaging, manual assaying, legacy marketing practices and flawed
policies etc. From various studies on post-harvest losses in India, it is evident that the amount
of food wasted in a year in India is equivalent to annual food consumption in the UK
(Rathore et al.,2010). The principle of the refrigerated preservation of foods is to reduce and
maintain the temperature of the food in order to control, reduce or stop the rate of
deterioration of food.
The food deterioration might occur due to physical, biochemical and physiological changes.
The effective refrigeration process reduces the effect of these changes, preserve the food with
a long shelf-life and quality. Reefer vehicles are the insulated vehicles and are essential for the
long-distance transport of perishable andtemperature-sensitive goods.
Kiwifruit or Chinese gooseberry (Actinidia deliciosa Chev.) is known as China’s miracle
fruit and New Zealand’s horticultural wonder. It took another 100 hundred years for
Arunachal growers to discover that their kiwifruits taste as sweet and fragrant as New
Zealand’s. According to a report by the National Horticulture Board, Arunachal Pradesh
accounts for more than 50% of the total production of kiwi in India.
The kiwifruit is high in nutritional and medicinal value with Vitamin C and E content that’s
twice that of tomato, guava, and avocado. It’s also high in dietary fibre, antioxidants, and
minerals such as potassium, phosphorus, and calcium, which gives many health benefits,
including supporting heart and digestive health.
The purpose of this project is to transport kiwi from the mandis of Arunachal Pradeshto
Delhi in reefer vans. The season for Kiwi is 3 months in a year. We also foresee 7 months
rental business for reefer van wherein the reefer vans shall be given on rent at the rental of
₹ 1,500 per day (diesel cost to be borne by the hirer)
 Model DPR for Reefer Van

9. Proposed Project
Financials
a. Estimated Project cost details

Amount
S. No. Particulars
(Rs. In Lakhs)
1 Civil Works 0.00
2 Plant & Machineries 62.00
3 Miscellaneous Fixed Assets 0.00
4 Working Capital Margin Money 1.00
5 Preliminary & Preoperative Expenses 0.10
Project Cost 63.10

b. Plant and Machineries

A list of plant and machinery required for a reefer van are as under:

Qty. in Price in
S.No Name of Machinery Nos Rs.
Mini Refrigerated Van- capacity 15 tonnes per
1
day 1 60,00,000
2 Miscellaneous - Crates, forklift 2 2,00,000
Total Machineries (Rs. In Lakhs) 62.00
Total Cost of Plant and Machineries (Rs. In 62.00
Lakhs)

c. Means of finance

S. No. Source of Finance Amount (Rs. %

In Lakhs)
1 *Promoter’s Equity (10.00%) 6.31 10.00
2 Term Loan from Bank 55.79 88.41
4 Working Capital Margin Money 1.00 1.59
Total 63.10 100
*The source of the owned funds and also the capacity of the promoter to support the
project in the event of cost escalations due to time overruns should also be mentioned
 Model DPR for Reefer Van

c. Basic Revenue Projections (₹ in lakh)

SN Item Year 1 Year 2 Year 3 Year 4 Year 5

1 Turnover 147.02 160.86 173.23 185.61 197.98
2 Cost of Operations 128.75 138.85 148.91 158.99 169.10
3 Gross Profit 18.27 22.01 24.33 26.62 28.88
Earnings Before 18.27 22.01 24.33 26.62 28.88
Interest, Tax,
4
Depreciation and
Amortization (EBITDA)
5 Profit before taxation 8.602 14.318 18.402 22.283 25.985
6 Profit after taxation 5.991 10.023 12.882 15.598 18.190

*CMA data to be provided along with projected balance sheet, profit & loss statements,
coveringentire period of repayment.

d. Financial Parameters
Ref Page No. in
SN Particulars Details (Ratio/%)
DPR*
Internal Rate of Return (IRR) [(a) With
1 63.32% -
and (b) without grant/ subsidy]
Avg. Debt Service Coverage Ratio
2 2.45 -
(DSCR)
3 Break Even Point (BEP) 39.62% -
4 Debt-Equity Ratio ( TTL/TNW) 1.97 -
5 Fixed Assets Coverage Ratio 1.37 -

e. Credit Facilities proposed

I. Fund Based
a) Term Loan 55.79 lacs
b) Working Capital 1 lacs
(Attach Assessment of working capital, if proposed)
II. Non Fund Based

f. Collateral Security proposed to be offered and its approximate value for the
applicable cases. (To be furnished only in case of loans above Rs.2 crore)

g. Repayment Schedule (Including moratorium period) - 84 Months (6 months

of Moratorium included)
 Model DPR for Reefer Van

h. Details of Statutory/other approvals/registrations (status)

Completed

10. Availability of Raw Materials in the Catchment Area - provide

details such as Adequate Volume, Wider Mix of Raw Materials,
Days of Operation in a Year along with supporting data.
Based on this information feasibility/viability of the project
should be justified.

N/A

11. Details of the catchment area of the project

Location of the Name Quantities to be

Commodities sourced [MT ]
S.N Catchment Village/Dist/
(Primary/Secondary) APMC to be sourced ( per annum)
1
2

*DPR should comprised of detailed chapter on proposed catchment (production and

supplystatistics).

12. Details of existing demand of the product and marketing

arrangements (including e-trading), possibility of for leasing
with FCI/CWC/SWC/e-commerce players / retailers for
assured cash flows if any.

13. Employment Generation projections

a. Direct Employment: (Skilled and Semi-skilled): 4
b. Contractual Employment with no. of days: ……………..
c. Indirect Employment (specify): …

Particulars Nos. Monthly Salary (Rs.)

Driver 2 40,000
Mechanic 2 15,000
Total salary (Rs. In Lakh Per year) 3.3 lakhs
 Model DPR for Reefer Van

 Direct Employment: (Skilled and Semi-skilled) -4

 Contractual Employment with no. of days: 1 (300 days)
 Indirect Employment (specify): 5
 Model DPR for Reefer Van

14. Details of renewable/ alternate energy sources including solar

energy, if any, proposed to be used for operating the project
including inter alia, details of power generation.

15. Details of pollution issues (if any) and adoption of modern technology for reducing
the carbon footprints and increasing operational efficiency:-

Basic cost How the technology will help in

Name of reducing carbon footprint
SN technology/item (Excluding taxes and/or increase in operational
etc.) efficiency
1
kon2

16. List of Manufacturers/ Suppliers of P&M (enclose quotations)

I certify that the information / contents as above furnished by me / us are true to the bestof
my / our knowledge and belief and nothing material has been concealed. In case, any information
furnished in the application is found false, my / our application may be rejectedout at any
stage by the Bank and not eligible under Agriculture Infrastructure Fund scheme.

To be filled by the applicant

Date: Signature of the Applicant

Place: _
 Model DPR for Reefer Van

Contents Table

Contents Link
Annexure 1 - Estimated cost of the project Ann 1'!A1
Annexure 2 - Means of Finance Ann 2'!A1
Annexure 3 - Complete Estimate of Civil and Plant and Machinery Ann 3'!A1
Annexure 4 - Estimated Cost of Production Ann 4'!A1
Annexure 5- Projected balance sheet Ann 5'!A1
Annexure 6 - Requirement of Fuel Ann 6'!A1
Annexure 8 - Details of Manpower Ann 8'!A1
Annexure 9 - Computation of Depreciation Ann 9'!A1
Annexure 10 - Calculation of Income tax Ann 10'!A1
Annexure 11- Break even analysis (At maximum capacity utilization) Ann 11'!A1
Annexure 13 - Repayment schedule Ann 13'!A1
Annexure 14 - Cash flow statement Ann 14'!A1
Sales Budget Budgets!A1
Assumptions Assumptions!A1
DPR without subsidy

Annexure 1 - Estimated cost of the project

Estimated cost of project

Grand Total (in
Sr. No. Particulars lakhs)
1 Land and site development
(a) Land (Lease in name of company) -
Total -

2 Site Development -
(a) Total -

3 Civil Work
(a) Civil Work -
Total -

4 Plant and Machinery (indegenous)

(a) Plant and Machinery 62.00
Total 62.00

5 Miscellanoeus Fixed Assets

(a) Cost -

6 Working Capital Margin 1.00

7 Preliminary Expenses -
(a) Security Deposit -
Total -

8 Pre-Operative Expense
(for 6 months upto the date od commencement of
commercial production)
(a) Establisment and Travelling and Other Expenses
(b) Legal and Misc Expense 0.10
Total 0.10

Total Cost of Project 63.10

Annexure 2 - Means of Finance

Sr. No. Item Grand Total (in lakhs)

1 Promoter's equity 6.310
2 Eligible Assistance -
3 Term Loan 55.79
4 CC Limit 1.00
Total 63.10
Annexure 3 - Complete Estimate of Civil and Plant and Machinery

1. Plant and machinery** Units Capacity Amt

1 Mini Refrigerated Van- capacity 15 tonnes per day 2 3,000,000 6,000,000
2 Miscellaneous - Crates, forklift 200,000
Total Plant and Machinery 6,200,000

Total fixed Assets 6,200,000

** The Plant and Machinery cost estimate is as per the available technology
Annexure 4 - Estimated Cost of Production

Year ending March 31st

Sr. No Description
I II III IV V VI VII VIII IX
No of Working months 12 12 12 12 12 12 12 12 12

Input Kiwi 10,800,000 11,700,000 12,600,000 13,500,000 14,400,000 15,300,000 16,200,000 17,100,000 18,000,000

Insurance cost @ 2% of purchase cost 124,000 130,200 136,710 143,546 150,723 158,259 166,172 174,480 183,204

Running and Manintenance expense @1% of raw material 108,000 117,000 126,000 135,000 144,000 153,000 162,000 171,000 180,000

Food and accomodation expenses 150,000 151,500 153,015 154,545 156,091 157,652 159,228 160,820 162,429

Diesel Cost 677,250 684,023 690,863 697,771 704,749 711,797 718,915 726,104 733,365

Cost of Production 11,859,250 12,782,723 13,706,588 14,630,862 15,555,562 16,480,707 17,406,314 18,332,404 19,258,998

Add: Opening Stock - 148,500 309,375 482,625 668,250 866,250 655,875 433,125 198,000

Less: Closing Stock 148,500 309,375 482,625 668,250 866,250 655,875 433,125 198,000 -

Sub Total 11,710,750 12,621,848 13,533,338 14,445,237 15,357,562 16,691,082 17,629,064 18,567,529 19,456,998

Administrative salaries and wages 429,000 459,030 491,162 525,543 562,331 601,695 643,813 688,880 737,102

Marketing expense 735,075 804,295 866,163 928,032 989,901 1,073,018 1,136,136 1,199,255 1,259,874

Total 1,164,075 1,263,325 1,357,325 1,453,576 1,552,232 1,674,712 1,779,950 1,888,135 1,996,976

Cost of Sales 12,874,825 13,885,172 14,890,663 15,898,813 16,909,795 18,365,794 19,409,014 20,455,665 21,453,974

Expected sales revenue - From transportation of Kiwis 14,701,500 16,085,891 17,323,268 18,560,644 19,798,020 21,460,354 22,722,728 23,985,101 25,197,480

Expected sales revenue - From rent of van 315,000 321,300 327,726 334,281 340,966 347,785 354,741 361,836 369,073

Gross Profit 2,141,675 2,522,019 2,760,330 2,996,112 3,229,191 3,442,345 3,668,455 3,891,272 4,112,579

Financial expense

Interest on Term Loan 331,521 289,679 238,180 186,682 135,183 83,685 32,187 - -

Interest on WC Loan 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000

Total Financial expense 341,521 299,679 248,180 196,682 145,183 93,685 42,187 10,000 10,000

Operating profits (PBT) 1,800,154 2,222,340 2,512,150 2,799,430 3,084,008 3,348,660 3,626,268 3,881,272 4,102,579

Preliminary Expense 10,000 - - - - - - - -

depreciation 930,000 790,500 671,925 571,136 485,466 412,646 350,749 298,137 253,416

Net Profit before Tax 860,154 1,431,840 1,840,225 2,228,293 2,598,542 2,936,014 3,275,519 3,583,136 3,849,163

Income Tax 261,046 429,552 552,067 668,488 779,563 880,804 982,656 1,074,941 1,154,749

Profits after Tax 599,108 1,002,288 1,288,157 1,559,805 1,818,979 2,055,210 2,292,863 2,508,195 2,694,414

Distribution of profits (80%) 479,286 801,831 1,030,526 1,247,844 1,455,183 1,644,168 1,834,291 2,006,556 2,155,531

Profit transfer to balance sheet 119,822 200,458 257,631 311,961 363,796 411,042 458,573 501,639 538,883

1. The diesel cost is expected to incraese 1% every

2. the rental for van is expected to increase 2% annually
3. The food and accomodation expenses are assumed at Rs. 20,000 per day per head for 3 months
Annexure 5- Projected balance sheet

Projected Balance sheet

Year ending March 31st

Sr. No Description
I II III IV V VI VII VIII IX
A Asset
1 Fixed Capital expenditure
Gross Block 6,200,000.00 5,270,000.00 4,479,500.00 3,807,575.00 3,236,438.75 2,750,972.94 2,338,327.00 1,987,577.95 1,689,441.26
Less- Depreciation 930,000.00 790,500.00 671,925.00 571,136.25 485,465.81 412,645.94 350,749.05 298,136.69 253,416.19
Net Block 5,270,000.00 4,479,500.00 3,807,575.00 3,236,438.75 2,750,972.94 2,338,327.00 1,987,577.95 1,689,441.26 1,436,025.07
2 Sundry debtors 3,003,300.00 3,281,438.25 3,530,198.70 3,778,984.85 4,027,797.23 4,361,627.84 4,615,493.73 4,869,387.45 5,113,310.54
3 Closing stock 148,500.00 309,375 482,625 668,250 866,250 655,875 433,125 198,000 -
4 Cash/ bank balance 4,058,867.67 4,292,504 4,481,743 4,612,121 4,696,263 5,078,187 5,538,086 6,859,093 8,145,468
Total assets 12,480,667.67 12,362,818 12,302,141 12,295,795 12,341,283 12,434,017 12,574,282 13,615,921 14,694,804

B Liabilities
1 Capital 631,000.00 750,822 951,279 1,208,911 1,520,872 1,884,668 2,295,710 2,754,282 3,255,921
Add- Profit 119,821.51 200,458 257,631 311,961 363,796 411,042 458,573 501,639 538,883
Less- Drawings - - - - - - - - -
Closing capital 750,821.51 951,279 1,208,911 1,520,872 1,884,668 2,295,710 2,754,282 3,255,921 3,794,804
2 Term Loan 5,149,846.15 4,291,538 3,433,231 2,574,923 1,716,615 858,308 - - -
3 Working capital 100,000.00 100,000 100,000 100,000 100,000 100,000 100,000 100,000 100,000
4 Creditors 6,480,000.00 7,020,000.00 7,560,000.00 8,100,000.00 8,640,000.00 9,180,000.00 9,720,000.00 10,260,000.00 10,800,000.00
Total liabilities 12,480,667.67 12,362,818 12,302,141 12,295,795 12,341,283 12,434,017 12,574,282 13,615,921 14,694,804

Current Ratio
Current Assets 7,210,668 7,883,318 8,494,566 9,059,356 9,590,310 10,095,690 10,586,704 11,926,480 13,258,779
Current Liabilities 6,580,000 7,120,000 7,660,000 8,200,000 8,740,000 9,280,000 9,820,000 10,360,000 10,900,000
Ratio 1.09584615 1.107207531 1.108951229 1.104799519 1.097289479 1.087897656 1.07807579 1.15120463 1.21640174
Average 1.116408192

Debt Equity ratio

Debt 5,249,846 4,391,538 3,533,231 2,674,923 1,816,615 958,308 100,000 100,000 100,000
Equity 750,822 951,279 1,208,911 1,520,872 1,884,668 2,295,710 2,754,282 3,255,921 3,794,804
Ratio 6.992136045 4.616456083 2.922656672 1.758809123 0.963891661 0.417434206 0.0363071 0.030713274 0.026351822
Average 1.973861776

Fixed asset coverage ratio

Fixed assets 5,270,000 4,479,500 3,807,575 3,236,439 2,750,973 2,338,327 1,987,578 1,689,441 1,436,025
Debt 5,249,846 4,391,538 3,533,231 2,674,923 1,816,615 958,308 100,000 100,000 100,000
ratio 1.00383894 1.020029778 1.077646848 1.209918438 1.514339778 2.440058674 19.87577947 16.89441255 14.36025067
1.377638742

Debt service coverage ratio

Interest on loan (TL + WC) 341,521 299,679 248,180 196,682 145,183 93,685 42,187 10,000 10,000
Instalment of loan 529,154 958,308 958,308 958,308 958,308 958,308 958,308 100,000 100,000
Total Interest 870,675 1,257,987 1,206,488 1,154,990 1,103,491 1,051,993 1,000,494 110,000 110,000
Net operating income 2,141,675 2,522,019 2,760,330 2,996,112 3,229,191 3,442,345 3,668,455 3,891,272 4,112,579
Ratio 2.459786404 2.004806181 2.287905163 2.594059369 2.926340813 3.272213648 3.666642395 35.37520452 37.38708317
Average 2.454579586

1. asssumed that 90 days of purchases are average creditors maintained

2. assumed that 60 days of sales are average debtors maintained by the business
Annexure 6 - Requirement of Fuel

Requirement of Fuel

Fuel
Diesel cost per litre 86
Distance between Bomdila to Itanagar to Delhi (kms) 2100
No. of round trips per year per van 7.5
Mileage (kms/ liter) 4
Litres of diesel required for one round trip 1050
Diesel cost for round trip 90300
Diesel cost per day 7525
Annexure 8 - Details of Manpower

Details of Manpower

S. No. Designation In no. Salary per person per month Annual cost
i. Driver 2 40,000 240,000
ii. Mechanic/ Helper 2 15,000 90,000
Total 330,000

Add: benefits @ 30% 99,000

Total 429,000

Total annual wages 429,000

Annual increase in wages 7%
Total manpower 4
Annexure 9 - Computation of Depreciation

Computation of Depreciation

Sr. No. Particulars Civil work Plant and Machinery Misc Fixed Asset Amount in lakhs
i. Cost - 6,200,000 - 62.00
ii. Pre operatives - - - 0.00
iii. Contingencies - - - 0.00
Total 62.00

Rates of Depreciation 10% 15% 10% Total depreciation for the year
Year 1 - 930,000.00 - 930,000.00
Year 2 - 790,500.00 - 790,500.00
Year 3 - 671,925.00 - 671,925.00
Year 4 - 571,136.25 - 571,136.25
Year 5 - 485,465.81 - 485,465.81
Year 6 - 412,645.94 - 412,645.94
Year 7 - 350,749.05 - 350,749.05
Year 8 - 298,136.69 - 298,136.69
Year 9 - 253,416.19 - 253,416.19
Annexure 10 - Calculation of Income tax

Calculation of Income Tax

Year ending March 31st

Particulars
I II III IV V VI VII VIII IX
Net profit before tax 1,800,154 2,222,340 2,512,150 2,799,430 3,084,008 3,348,660 3,626,268 3,881,272 4,102,579
Add- dep on SLM - - - - - - - - -
Sub total 1,800,154 2,222,340 2,512,150 2,799,430 3,084,008 3,348,660 3,626,268 3,881,272 4,102,579
Less- Dep on WDV 930,000 790,500 671,925 571,136 485,466 412,646 350,749 298,137 253,416
Sub total 870,154 1,431,840 1,840,225 2,228,293 2,598,542 2,936,014 3,275,519 3,583,136 3,849,163
Less - Deductions - - - - - - - - -
Taxable profits 870,154 1,431,840 1,840,225 2,228,293 2,598,542 2,936,014 3,275,519 3,583,136 3,849,163
Income tax @30% 261,046 429,552 552,067 668,488 779,563 880,804 982,656 1,074,941 1,154,749
Annexure 11- Break even analysis (At maximum
capacity utilization)

Break even capacity at maximum capacity utilization

Sales 21,002,143
Variable cost
- Running and maintenance cost 3,150,321
- Interest on Working capital 10,000
Contribution 17,841,821
Less: Fixed costs
Wages and salaries 429,000
Depreciation 930,000
Fixed charges for office 144,000
Electricity fixed charge 150,000
Insurance cost 124,000
Interest on TL 331,521
Fixed cost 2,108,521

Particulars Rs. per kg

Sales price per kg 110
Variable costs
Input Kiwi 80
Running and maintenance 0.8
Marketing expense 5.5
Interest on working capital 0.04
Contribution per unit 23.65555556
BEP in kgs 89,134.30
Total BEP % 39.62%

Break-even point is the condition when an entity generate sufficient revenue that it can meet its
fixedexpense after deducting any variable expense, i.e., the point where contribution is equal to the
fixed expense.

For the first year of operation the break-even capacity comes at 39.62% capacity, it is because of the
fact that in the Initial year the fixed expense of consultancy for project is taken in to consideration
for calculation of BEP. considering our operational capacity in year 1 to be 60% which is more than
the BEP,hence we can conclude that the project is sound enough to cover its fixed expense.
Annexure 13 - Repayment schedule
Repayment schedule
Amount of Loan (in lakhs)
Rate of interest
Moratorium period
Year Quarter Balance outstanding Principal instalment
1 55.79
2 55.79
1
3 55.79
4 53.64423077
1 51.49846154
2 49.35269231
2
3 47.20692308
4 45.06115385
1 42.91538462
2 40.76961538
3
3 38.62384615
4 36.47807692
1 34.33230769
2 32.18653846
4
3 30.04076923
4 27.895
1 25.74923077
2 23.60346154
5
3 21.45769231
4 19.31192308
1 17.16615385
2 15.02038462
6
3 12.87461538
4 10.72884615
1 8.583076923
2 6.437307692
7
3 4.291538462
4 2.145769231
55.7900
6.00%
6 months
Interest
0 0.83685
0 0.83685
2.145769231 0.83685
2.145769231 0.80466
2.145769231 0.77248
2.145769231 0.74029
2.145769231 0.7081
2.145769231 0.67592
2.145769231 0.64373
2.145769231 0.61154
2.145769231 0.57936
2.145769231 0.54717
2.145769231 0.51498
2.145769231 0.4828
2.145769231 0.45061
2.145769231 0.41843
2.145769231 0.38624
2.145769231 0.35405
2.145769231 0.32187
2.145769231 0.28968
2.145769231 0.25749
2.145769231 0.22531
2.145769231 0.19312
2.145769231 0.16093
2.145769231 0.12875
2.145769231 0.09656
2.145769231 0.06437
2.146 0.03219
Annexure 14 - Cash flow statement

Particulars 0 I II III IV V VI VII VIII IX

opening balance 100,000 100,000 4,058,868 4,292,504 4,481,743 4,612,121 4,696,263 5,078,187 5,538,086 6,859,093
Add: Capital 631,000 - - - - - - - - -
Add: Loan disbursement 5,579,000 - - - - - - - - -
Less: Purchase of asset 6,200,000 - - - - - - - - -
Less: Land purchase -
Add: Sales realizations 12,013,200 13,125,753 14,120,795 15,115,939 16,111,189 17,446,511 18,461,975 19,477,550 20,453,242
Less: Payment made to creditors of previos year - - 6,480,000 7,020,000 7,560,000 8,100,000 8,640,000 9,180,000 9,720,000 10,260,000
Add: Receipts from debtors of previos year - - 3,003,300 3,281,438 3,530,199 3,778,985 4,027,797 4,361,628 4,615,494 4,869,387
Less: Payments made for current year purchase - 6,543,325 7,026,047 7,503,913 7,984,438 8,467,795 8,975,419 9,466,264 9,960,540 10,455,974
Less: Pre incorporation expense 10,000 - - - - - - - - -
Less: Interest payments - 341,521 299,679 248,180 196,682 145,183 93,685 42,187 10,000 10,000
100,000 5,228,354 6,382,195 6,922,644 7,386,761 7,789,317 8,461,467 9,213,340 9,940,589 11,455,749
Less: Income tax - 261,046 429,552 552,067 668,488 779,563 880,804 982,656 1,074,941 1,154,749
- 4,967,308 5,952,643 6,370,576 6,718,273 7,009,754 7,580,663 8,230,684 8,865,649 10,301,000
Less: Distrubutions made from profits - 479,286 801,831 1,030,526 1,247,844 1,455,183 1,644,168 1,834,291 2,006,556 2,155,531
- 4,488,022 5,150,812 5,340,050 5,470,429 5,554,571 5,936,495 6,396,393 6,859,093 8,145,468
Less: Principal repayment of loan - 429,154 858,308 858,308 858,308 858,308 858,308 858,308 - -
Closing cash balance 100,000 4,058,868 4,292,504 4,481,743 4,612,121 4,696,263 5,078,187 5,538,086 6,859,093 8,145,468
Sales Budget
Year ending March 31st
Particulars
I II III IV V VI VII VIII IX
Estimated ocupational capacity 60% 65% 70% 75% 80% 85% 90% 95% 100%
Production capacity (kgs) 135,000 146,250 157,500 168,750 180,000 191,250 202,500 213,750 225,000
Sales (kgs) 133,650 144,788 155,925 167,063 178,200 193,163 204,525 215,888 226,800
Revenue in Rs. 14,701,500 16,085,891 17,323,268 18,560,644 19,798,020 21,460,354 22,722,728 23,985,101 25,197,480

Estimation of Production capacity

Per annum capacity in kgs 225,000 Reefer van size is 15 MT per day
Operational days 90
Round trip (days) 12
Number of round trips 8
Number of vehicles 2
Round trips in a season 15
Please note that it is assumed while returning from Delhi to Arunachal Pradesh, the van has equivalent occupational capacity to transport

items. Rental per day per van 1,500

Rental operation no of days 210

Products Production at 100% Sales prices per kg Purchase price per

capacity kg

Output 225,000 110.0 80.0

Production Budget
Year ending March 31st
Particulars
I II III IV V VI VII VIII IX
Opening Stock - 1,350 2,813 4,388 6,075 7,875 5,963 3,938 1,800
Production 135,000 146,250 157,500 168,750 180,000 191,250 202,500 213,750 225,000
Sales 133,650 144,788 155,925 167,063 178,200 193,163 204,525 215,888 226,800
Closing Stock 1,350 2,813 4,388 6,075 7,875 5,963 3,938 1,800 -
 S. no. Assumptions
1 It is assumed that the Reefer vans are used for
transporation of Kiwis for 3 months in peak season
from ArunachalPradesh to Delhi. For rest of 7
months the reefer vans are provided on rent.
2 The reefer vans provided on rent are exclusive of the diesel cost. The diesel cost is to be borne
by hirer.

MISSION FOR INTEGRATED DEVELOPMENT OF HORTICULTURE (MIDH)

DPR

Annexure 1 - Estimated cost of the project

Estimated cost of project

Grand Total (in
Sr. No. Particulars lakhs)
1 Land and site development
(a) Land (Lease in name of company) -
Total -

2 Site Development 22.00

(a) Total 22.00

3 Civil Work
(a) Civil Work
Total -

4 Plant and Machinery (indegenous)

(a) Plant and Machinery 84.70
Total 84.70

5 Miscellanoeus Fixed Assets

(a) Cost -

6 Working Capital Margin 8.30

7 Preliminary Expenses
(a) Security Deposit -
Total

8 Pre-Operative Expense
(for 6 months upto the date od
commencement of
commercial production)
(a) Establisment and Travelling and Other -
 Expenses
(b) Legal and Misc Expense -
Total -

9 E mandi expense -

Total Cost of Project 115.00

PRADHAN MANTRI FORMALIZATION OF MICRO FOOD PROCESSING ENTERPRISE

(PMFME)
https://www.nabard.org/info-centre-model-bankable-projects.aspx?cid=506&id=24

Fill up this page by open the link

PRADHAN MANTRI MATASYA SAMPADA YOJANA (PMMSY)

Detailed on Page No. 27

PROJECT PROFILE FOR RAW & BOILED RICE MILLS

(CAPACITY 2.5 TPH)

1.0 SCOPE OF THE PROJECT IN THE AREA OF OPERATION

Sufficient information needs to be collected about the availability of raw material in the
area, no of existing rice mills with their processing capacity, demand of paddy for
 consumption purpose and seeds etc. as per records of the concerned agriculture office
and District Industries Centre (DIC) of the state.

The Annual capacity of the proposed plan would be 9,000 M.T., assuming one shift
operation of 12 hours for 300 days.

2.0 FOR IMPLEMENTATION OF THE PROJECT:

 The society has to raise the requisite share capital;

 Land Purchase/Leased by the society;
 Obtained assurance from State Electricity Board (MSEB) for providing required
electricity connection;
 NOC from Pollution control board;
 Prepared plan and estimates for civil work of main plant and other ancillary buildings;
 Obtained quotations from suppliers of plant & machinery and other equipments;
 Identify market for finished products

3.0 PROJECT COMPONENTS AND THEIR TENTATIVE COST

(Rs. in lakhs)

3.1 Land and Land Development (for Raw & Boiled Rice)
 Cost of Land 6.50
 Cost of Leveling/Development 0.50
 Cost of Approach Road 1.50
 Cost of Compound Wall 5.00
TOTAL - 13.50

3.2 Building & Civil Work(for Raw & Boiled Rice)

 Main Factory Building(500 Sq.M) 36.00
 Raw Material Godown(800 Sq.M) 27.00
 Finished Goods Godown
& Packing(500 Sq.M) 20.00

 Administrative Building(150 Sq.M) 8.00

 CONFERENCE HALL 3.00
 GENARATOR ROOM & WORKSHOP 2.50
 Sanitary & Plumbing 2.00
 Watchmen Cabin 1.50
 Electricity Chamber 1.00
TOTAL - 101.00
3.3 Plant & Machinery Raw Rice Boiled Rice
 Milling Section 57.00 54.00
 Paddy Barboiling/Steaming Plant -- 33.00
 Steam Boiler -- 17.00
 Excuse Duty & other Taxes 9.00 16.00

TOTAL - 66.00 120.00

3.4 Miscellaneous Fixed Assets (for Raw & Boiled Rice)

 OFFICE FURNITURES & FIXTURES 2.50

 COMPUTER 0.50

 ELECTRIFICATION FOR THE FACTORY & WATER DIST. 13.00

 FIRE FIGHTING EQUIPMENTS 1.00

 M.S.E.B. DEPOSIT, TRANSFORMER ETC. 7.50

 D.G. SET 10.50

 AIR COMPRESSOR 1.50

 VEHICAL (TRUCK) 10.50

 OTHER MACHINERIES TOOLS & TACKLS 3.00

TOTAL - 50.00

3.5 Preoperative Expenses(for Raw & Boiled Rice) - 15.00

3.6 Margin Money for Working Capital(for Raw & Boiled Rice)

36.00
 RAW MATERIAL
2.00
 ELECTRICITY CHARGES
1.50
 SALARY& WAGES
0.20
 STORES & SPARES
0.80
 OVERHEAD & PACKING
 STOCK OF FINISHED GOODS 23.00

 STOCK OF GOODS IN PROCESS 27.00

TOTAL - 90.50
Raw Rice Boiled Rice
TOTAL PROJECT COST - 336.00 390.00
4.0 PROJECT IMPLMENTATION SCHEDULE

It is expected that the project is completed within one year after sanction of financial
assistance.

5.0 REQUIREMENT OF STAFF

The mill will require approximately 18 works and 16 staff.

6.0 PATTERN OF FUNDING FOR PADDY PROCESSING:

As per NCDC’s pattern of funding for Cooperatively Developed States 90% of loan is
sanctioned to the State Govt. for passing on to the beneficiary societies as 50% loan
and 40% share capital contribution. However, the debt equity ratio may vary
depending on viability of the proposed project.

Loan application forms are available with the offices of Registrars of

Cooperative Societies/Regional Directorates of the NCDC besides Head Office
at New Delhi. Application forms for financial assistance are also available on
NCDC Web-site (http://ncdc.in) and can be down loaded from there

1. Details about the proposal

2. Details about the society
3. Objectives of the society:
 To promote Cooperation among members.
 To process paddy purchased from grower members as well as non- grower
members and add value to benefit the members.
 To create suitable market for the finished products of grower members and to
ensure remunerative prices to improve their financial position.
 To help and guide the grower members by providing them technical guidance by
agricultural officers and providing seeds, organic fertilizers, pesticide etc.

4. Membership and share capital

5. Board of Directors/Date of Last election of the society.
6. Last three year Audit Position certified of CA.
Raw Material Availability in the state certified by District Agricultural Officer of the state.

Paddy Processing scenario in the State/District.

 Other by products
Scope of Marketing of Finished produce in the State

 Channel of Marketing of these produce

 Paddy Processing Flow Chart

Raw Material

Grading Polishing

Project Components and their tentative cost

 Land and Land Development.
 Cost of Land
 Cost of Leveling/Development
 Cost of Approach Road
 Cost of Compound Wall

 Building & Civil Work

7. Main Factory Building
8. Raw Material Godown
9. Finished Goods Godown & Packing
10. Administrative Building
11. CONFERENCE HALL
12. GENARATOR ROOM & WORKSHOP
13. Sanitary & Plumbing
14. Watchmen Cabin
15. Electricity Chamber

 Plant & Machinery

 MILLING SECTION
 PADDY BARBOILING/STEAMING PLANT
 THERMAX - STEAM BOILER
 EXCISE DUTY & other Taxes

 Miscellaneous Fixed Assets

 The provision has to be made for electrification, M.S.E.B Deposit,
Transformer, one D.G. Set, computers, and furniture & fixture as per
requirement of the project.
  Margin Money for Working Capital

 RAW MATERIAL
 ELECTRICITY CHARGES
 SALARY& WAGES
 STORES & SPARES

 Project Implementation Schedule – It is expected that the

project is completed within one year after sanction of financial assistance.

 Project cost

 Land & Site Development

 Civil Work
 Plant & Machinery
 Miscellaneous Fixed Assets
 Contingency- 5% of the on cost of plant & Machinery
 Pre-operative Expenses
 Margin Money for Working Capital

 Pattern of Funding for Paddy Processing:

As per NCDC’s pattern of funding for Cooperatively Developed States 90% of loan
is sanctioned to the State Govt. for passing on to the beneficiary societies as 50% loan
and 40% share capital contribution. However, the debt equity ratio may vary
depending on viability of the proposed project. In the present case, State Govt. of
Maharashtra has recommended to provide 60% term loan and 36% share capital to
the beneficiary society with a view to help the farmer members.

 Financial Viability
The assumptions and projected and break-even analysis shall be calculation.

 Justification for:

 Project is technically feasible and financially viable

 Project would help the farmer members by providing value addition to their
produce.
 Project would provide direct employment to how many persons.
 Financial assistance will be routed through the State Govt. and therefore, its
repayment is assured
 7. Details about the proposal
8. Details about the society
9. Objectives of the society:
 To promote Cooperation among members.
 To process paddy purchased from grower members as well as non- grower
members and add value to benefit the members.
 To create suitable market for the finished products of grower members and to
ensure remunerative prices to improve their financial position.
 To help and guide the grower members by providing them technical guidance by
agricultural officers and providing seeds, organic fertilizers, pesticide etc.

10. Membership and share capital

11. Board of Directors/Date of Last election of the society.
12. Last three year Audit Position certified of CA.
Raw Material Availability in the state certified by District Agricultural Officer of the state.

Paddy Processing scenario in the State/District.

 Other by products

Scope of Marketing of Finished produce in the State

 Channel of Marketing of these produce

Project cost

 Land & Site Development

 Civil Work
 Plant & Machinery
 Miscellaneous Fixed Assets
 Contingency- 5% of the on cost of plant & Machinery
 Pre-operative Expenses
 Margin Money for Working Capital

PROJECT PROFILE FOR ROLLER FLOUR MILL

(CAPACITY 60 TPD)

1.0 SCOPE OF THE PROJECT IN THE AREA OF OPERATION

 Sufficient information needs to be collected about the availability of raw material in the
area, No. of existing roller flour mills with their processing capacity and arrangement
of marketing of flour & their byproducts.

The annual capacity (two shifts operations of 8 hrs. each for 300 days) works out to
14000 M.T at 80% capacity utilization the plant would produce 8400 M.T Maida, 1546
M.T of Atta, 1260 M.T of Suji and 2794 M.T of bran.

2.0 FOR IMPLEMENTATION OF THE PROJECT:

 The society has to raise the requisite share capital;

 Land Purchase/Leased by the society;
 Obtained assurance from State Electricity Board for providing required electricity
connection;
 NOC from Pollution control board;
 Prepared plan and estimates for civil work of main plant and other ancillary buildings;
 Obtained quotations from suppliers of plant & machinery and other equipments;
 Identify market for finished products.

3.0 PROJECT COMPONENTS AND THEIR TENTATIVE COST

(Rs. in lakhs)

3.7 Land and Land Development

 Cost of Land (2000 sq. metres) 5.00
 Cost of Leveling/Development 0.50
 Cost of Approach Road 1.50
 Cost of Boundary Wall 6.00
TOTAL - 13.00

3.8 Civil Works

 Milling Plant (325 Sq.M) 26.00
 Cleaning Section (200 Sq,M) 16.00
 Raw Material Godown (575 Sq,M) 44.00
 Finished Goods Godown(300 Sq,M) 22.50
 Administrative Building 12.50
 Sanitary & Plumbing 2.00
 Electricity Chamber 1.50
 Underground Water Tank 2.00
 Weighing Cabin 1.00
 Loading & unloading Platform 5.00
  Watchman Cabin 1.00
TOTAL - 133.50

3.9 Plant & Machinery

 (Processing Capacity 60 tons of wheat per day) 160.00
 Excise Duty 26.00
TOTAL - 186.00

3.10 Miscellaneous Fixed Assets

 OFFICE FURNITURES & FIXTURES 2.50

 COMPUTER & OFFICE EQUIPMENT 1.00

 ELECTRIFICATION FOR THE FACTORY 28.00

 FIRE FIGHTING EQUIPMENTS 1.00

 S.E.B. DEPOSIT, TRANSFORMER ETC. 9.00

 LABORATORY EQUIPMENT 1.50

 WEIGHING MACHINE 1.50

 OTHER MACHINERIES TOOLS 2.00

TOTAL - 46.50

3.11 Pre-operative Expenses - 13.00

3.12 Margin Money for Working Capital requirement for one month.

16.50
 RAW MATERIAL
1.50
 ELECTRICITY CHARGES
2.00
 SALARY& WAGES
0.50
 STORES & SPARES
0.50
 OVERHEAD & PACKING
 STOCK OF FINISHED GOODS 6.00

 STOCK OF GOODS IN PROCESS 11.00

TOTAL - 38.00
TOTAL PROJECT COST - 430.00

4.0 PROJECT IMPLMENTATION SCHEDULE

 It is expected that the project is completed within one year after sanction of financial
assistance.

5.0 REQUIREMENT OF STAFF

The mill will require approximately 180 workers and 20 staff.

6.0 PATTERN OF FUNDING:

As per NCDC’s pattern of funding for Cooperatively Developed States 90% of loan is
sanctioned to the State Govt. for passing on to the beneficiary societies as 50% loan
and 40% share capital contribution. However, the debt equity ratio may vary
depending on viability of the proposed project. In case of Under-developed & Least-
developed States subsidy is available 20% & 25% respectively of the project cost.

Loan application forms are available with the offices of Registrars of

Cooperative Societies/Regional Directorates of the NCDC besides Head Office
at New Delhi. Application forms can also be downloaded from NCDC Web-site
(http://ncdc.in).

Guidelines on Computerization of PACS Project

Centrally Sponsored Project “Computerization of Primary Agricultural Credit Societies

(PACS)

1. The Primary Agricultural Credit Societies (PACS) constitute the lowest tier of the three-tier
Short-term cooperative credit (STCC) in the country comprising approx.13 Cr. farmers as its
members, which is crucial for
the development of the rural economy. The other two tiers viz. State Cooperative Banks
(StCBs) and District Central Cooperative Banks (DCCBs) have already been automated by the
NABARD and brought on Common Banking Software (CBS). However, majority of PACS have
so far been not computerized and still functioning manually. Therefore, a project has been
launched to computerise all the operational PACS throughout the Country.

2. A Centrally Sponsored Project on ‘Computerization of PACS’ has been approved by the

Cabinet Committee on Economic Affairs (CCEA) 29th June, 2022. This project envisages
computerization of about 63,000 functional PACS over a period of 5 years with a total budget
outlay of Rs. 2516 Cr with a central share of Rs. 1528 Cr. Out of the total budget for the project,
the shares of Government of India, State Governments and NABARD are Rs. 1528 crore, Rs.
736 crore and Rs. 252 crore respectively.

3. Computerization of PACS, besides serving the purpose of financial inclusion and

strengthening service delivery to farmers especially Small & Marginal Farmers, will bring
transparency, efficiency, enhance trustworthiness in the working of PACS among farmers. A
single ERP based software will be developed at National level which will enable PACS to
digitize its services and link them with DCCBs and STCBs. It will ensure speedy disposal of
loans, lower transition cost, faster audit and reduction in imbalances in payments and
accounting with State Cooperative Banks and District Central Cooperative Banks.