M/s -------------------------------------------------------------------------
Submitted to
SHM Govt. of Uttar Pradesh
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FORMAT FOR SUBMISSION OF PROJECT BASED PROPOSALS (PHM) Functional Infrastructure (Sorting/grading/packing etc.) Unit BY PRIVATE SECTOR UNDER NHM 1. Name of the Project : M/S 2. Type of Activity : Sorting, grading, packing Preservation of Fruits, vegetables and other perishable items. 3. Objectives : To provide services of value addition, low cost preservation and storage of semi-finished Fruits, vegetables and other perishable items. 4. Location of the Project with address
a) General Area : Kh. No.: Vill.: Teh.: Distt.: b) Category of beneficiary : 5. Constitution :
Public Limited Company/Private Limited Company/Registered Society Association/Federation Producer Company/Proprietorship Firm Partnership concern/Individual person/ Self help group(SHG)
6. Management : Private 7. Brief background of promoter : The Company/firm/association/SHG is promoted by ----------- --------Directors namely Shri ------------- and shri --------------- . All the directors of the company are agriculturists and have good experience. 8. Cost of Project : (Rs. In Lacs) a) Land (If purchased new along with documentary proof) b) Building c) Plant & Machinery d) Contingencies e) Misc. Fixed Assets f) Working Capital margin g) Pre operative Exp. h) Other Current Assets & Securities : : : : : : : : :
9. Means of Finance : (Rs. In Lacs) a) Promoter Share b) Bank Term Loan c) Subsidy d) Quasi Equity e) Unsecured Loan : : : : : 8.00 8.00 6.00 - 2.70 Total Rs. : 18.70
45 10. Details of Cost of Plant & Machinery /equipment supported by quotation. : Detailed list of plant & machinery/others utensils is as follows: Potato grading line/vegetable grading, washing, waxing line, minimal processing equipments, Pulper, bhatti, utensils, knives set, working table, washing tanks, packing machine, Plastic barrels, plastic crates(200 no.), chemicals, quality testing equipments, water storage facilities etc. : Rs. 7.50 lacs(approximately) 11. Details of Building construction and the cost duly certified. The details of estimate of working shed,storage godown has been enclosed as annexure -1 12. Area of operation with special reference to Districts to be covered. Block: Tehsil: District : 13. Availability of raw material, name of the cluster and District along with the major crops. Abundant quantity of Mango, amla, papaya, guava,& all vegetables/spices available in the district as well as in surrounding area throughout the year. at a glance the total area in district is (ha) & Total production in district is 000 MT. 14. Backward Linkage with farmers with reference to either providing services or purchase of raw material. The promoter also itself engaged in production of fruits/vegetables as well as having good contacts with the progressive farmers of their area. The beneficiary has already its own raw materials for sorting, grading, washing & minimal processing as per the demand of market. Moreover number of other farmers willing to provide their raw materials for same purpose. 15. Forward Linkages- Analysis of domestic and export markets, tie up made for sale of Produce and branding aspect. Due to the shortages of availability of primary produce as sorted, graded, washed & minimal processing for ultimate use of tertiary/final processing unit for converting these produce to final finished products to be sale in local/domestic/export market. the processor have to go faraway places for procuring desired quantity to other states/places at higher rates of semi- finished produce. Thus there is ample of potential for more low preservation units in that area. 16. No. of farmers/ orchardist to be benefited. Approx. 100 farmers to be benefited. 17. SWOT Analysis. Strength : There is a abundant availability of raw materials such as guava, mango,amla,papaya, vegetables, ornamental plants & spices in proposed area of district. The functional infrastructure unit is situated in fruits/vegetable growing belt and having good network of growers. Vast domestic market Weakness: Low availability of adequate infrastructural facilities Lack of adequate quality control & testing methods Inefficient supply chain due to a large number of intermediaries High requirement of working capital. Seasonality of raw material Opportunity: Large crop and material base offering a vast potential for agro processing activities Rising income levels and changing consumption patterns Favourable demographic profile and changing lifestyles 46 Opening of global markets Availability of capital subsidy from NHM/DASP to start a business opportunity in local areas by converting their raw materials to value added products as per the local demands of the consumers/market. Threat: Affordability and preferences of fresh food d High inventory carrying cost High packaging cost Natural Calamity. 18. Financial Analysis- IRR, NPW, cost benefit Ratio, Break even point, DER, DSER, Projected balance sheet etc. The proposed unit has a local market demand oriented basis. the unit shall be run very successfully by converting fresh ungraded fruits/vegetables to graded, washed value added produce which is directly ready to consume products. The unit has great advantage for more profitability. there is an ample scope to enhance their profitability within stipulated course of time. 19. Insurance of the fixed assets. Will Be Submitted Later if desired 20. Certificate from Pollution Control Department. No need of NOC from Pollution Control Board so far. 21. Name of the sponsoring bank along with the details of Techno-economical appraisal reports, copy of sanction letter and Detailed Project Report (DPR) as submitted to bank. The proposal has been financed by -------------------------as well as self appraised by the beneficiary on the basis of local requirements. The brief detail project report about availability of raw material, utilities, miscellaneous assets, others information elaborated as: DETAILS OF THE PROPOSED PROJECT Building The construction /arrangement of building for value addition shall be of about 1500 sq ft.area for working shed followed by storage and packing facilities. The anticipated expenditure is Rs. 7.00 lacs. Machinery A detailed list of machinery is already furnished. The anticipated expenditure is Rs. 7.00 lacs. Miscellaneous Assets A provision of Rs. 25,000 would take care of the needs. Preliminary & Pre-operative Expenses It is estimated that registration and establishment expenses and other pre-production expenses like trial runs etc. shall be Rs.30,000/-. Working Capital Requirement Working capital is a pre-requisite for the success of any project. However, in view of very small scale of activities and typical nature of customers, the bank would hesitate to provide post sales facilities. Major item of raw material is guava, mango, amla, papaya etc which cannot be stored for more than 2-3 days. Hence, it is assumed that the we will arrange at our own fund resources as unsecured loans from relatives/friends or bank if agree of Rs.100,000/- . Raw Material The all-important raw materials shall be sound, uniform texture, and unripe but fully grown bigger sized . Other raw materials like food grade colours and flavours and citric acid shall be required in small quantity. Similarly, polythene bags are also readily available. Miscellaneous Assets An amount of Rs. 25,000/- is provided towards working 47 tables, weighing scale, exhaust fans and furniture. Utilities Power connection of 10 HP is sufficient. Around 1000-1200 ltrs. of water shall be required every day. Furnace oil or kerosene consumption per day would be around Rs. 150/-. Thus, annual expenditure on utilities at 100% activity level would be Rs. 90,000/-. 22. Certificate regarding Non- availing of subsidy from any other Central/State Govt. Departments. Enclosed as desired by SHM in the affidavit format. 23. Social benefits with special reference to employment generation. a) Direct employment b) Indirect employment c) Women/S.T/S.C. employment
Yes , more than 09 Yes, approximately 30 Yes , approximately 25 24. Details of the sustainability of the project with special reference to its capacity to generate income since only one time grant is admissible. Since the proposed unit has a moderate investment and there is an ample scope to enhance their profitability within stipulated course of time. The other benefits are as: Large crop and material base offering a vast potential for agro processing activities Rising income levels and changing consumption patterns Favorable demographic profile and changing lifestyles Opening of global markets Availability of capital subsidy from NHM to start a business opportunity in local areas by converting their raw materials to value added products as per the local demands of the consumers/market. 25. Implementation schedule Forwarding of Application submission 15 days Site selection, bank loan formalities and commencement of minor civil work 30days Completion of civil work and placement of orders for machinery 45days Erection, installation and trial runs 15days 26. Amount of subsidy sought Rs.6.00 Lacs. Financial assistance in the form of grant is available from the Ministry of Agriculture, NHM, Govt. of India, towards expenditure on capital investment for eligible projects.
Recommended & Forwarded Signature of candidate (By DHO/DDH/PRINCIPAL) Address-------------------------------- Phone & Mobile No.: ---------------
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PERFORMANCE & FINANCIAL INDICATORS S.No. Particulars I II III IV V VI VII VIII 1 Paid up Capital 2 Reserve & Surplus 3 (-) Intangible Assets 4 Tangible Net Worth (1+2+3) 5 Term Loans 6 Other Term Liabilities 7 Unsecured Loan 8 Total Term Liabilities (5+6+7) 9 Capital Employed (4+8) 10 Net Block 11 Investment in allied/group concerns 12 Investment in Others 13 Debtors>6 months 14 Other Non Current Assets 15 Total Non Current Assets (11+12+13+14) 16 Inventory 17 Debtors Receivable (less than 6 months) 18 Other Current Assets 19 Total Current Assets (16+17+18) 20 Bank Borrowings/Commercial Papers 21 Sundry Creditors/ Other Current Liabilities 22 Total Current Liabilities (21+22) 23 Net Working capital (19-22) Operating analysis Net sales Profit before tax/loss Provision for tax Profit after tax/loss
Depreciation and other non cash expenses Cash Accrual Ratio Analysis 1 Current Ratio (Current Assets/ Current Liabilities)
3 Debt Equity Ratio (Term Liabilities/Tangible Net Worth) 4 Leverage ratio (Term + Current Liabilities/ tangible Networth)
5 Net Profit to Sales (%) 5.35 12.51 22.61 29.02 35.11 39.85 44.39 49.30 6 DSCR 1.42 1.46 1.58 1.69 1.75 1.80 1.85 1.94 7 Average DSCR 1.69 8 Break Even Point 69.08%
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