Black Gold Minimalist Photo Book Report

U N D E R A G R I C U L T U R E I N F R A S T R U C T U R E

F U N D S C H E M E

Submitted to

Department of Agriculture,

Cooperation & Farmers Welfare

Knowledge Partner

NABARD Consultancy Services

Corporate Office: 24 Rajendra Place,

7th Floor, NABARD Building, New Delhi

Registered Office: Plot No. C-24, G Block,

3rd Floor, NABARD Building, Bandra Kurla Complex,

Bandra East, Mumbai

Submitted by

(with capital subsidy)

Model DPR for Establishment of Solar Cold Room (with Capital Subsidy)

DISCLAIMER

This document has been prepared by NABARD Consultancy Services (NABCONS)

Private Ltd for Department of Agriculture, Cooperation & Farmers Welfare as a

professional Consultancy agency.

The views expressed and the conclusions arrived at in this document, including

financial, are based on the data and information provided by various Government

Departments and agencies, overall policy and approach of the State Government,

discussions with the stakeholders at various levels as also the observations recorded

by NABCONS during the study. Being only advisory in nature, such views and

conclusions do not represent or reflect, in any way, the policy or views of NABARD.

NABCONS / NABARD accept no liability, financial or otherwise, or any deemed

financial commitment whatsoever on any view, observation or conclusion expressed

herein.

Model DPR for Establishment of Solar Cold Room (with Capital Subsidy)

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CREDIT CITATION

Preparation of this document has been possible with broad-based support and co-

operation from various stakeholders. NABARD Consultancy Services hereby,

sincerely and gratefully acknowledges the support and valuable co-operation

extended by them.

Our sincere thanks are also due to all others who directly or indirectly helped

NABCONS in preparation of this document.

Model DPR for Establishment of Solar Cold Room (with Capital Subsidy)

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DPR Template for projects under Agriculture

Infrastructure Fund

1

1. Details of the Applicant

SN Particulars Details

i. Name of the Applicant

ii.

Constitution Legal Status of Applicant :

(i.e. Govt. organization, NGO, Co-operative society,

Company, partnership firm, 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

xii.

Whether lead promoter belong to SC/ ST/

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 Aplicant/

Promoter(s)/ Partner(s)/

Director(s)/ Members

Address Telephone

No.

Mobile No. E-mail Id Any other

details

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.

To be filled by the applicant

Model DPR for Establishment of Solar Cold Room (with Capital Subsidy)

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2

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

S

N

Name of

Promoter(s)/

Partner(s)/

Director(s)/

Members

Aadhaar

No.

PAN

No.

Academic

and

technical

Qualificati

on

Net

Worth

DIN

No.

Credit

Rating

Date of

Share

holding

Partne r

profit

sharing

ratio

1

2

4. Relative experience of the Applicant/Promoter(s)/Partner(s)/Directors(s)/ Members

S N

Name of lead

Applicant/Promoter(s)/Partner(s)/

Members of Applicant Entity

Detail of

Experience

Details of

Turnover

(year-wise)

Supporting Document

attached, if any (Yes/No)

1

2

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

Directors(s)

S

N

Types of

Facility

Name of

Bank and

Branch

Limits Outstandin

g as on

dd/mm/yyyy

Securities Rate of

interest

Repayment

terms

Purpose

1

Cash

Credit

2

Term

Loan

To be filled by the applicant

Model DPR for Establishment of Solar Cold Room (with Capital Subsidy)

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3 Others

*Information pertaining to credit rating (internal /external) may also be shared along with the

aforementioned information

Model DPR for Establishment of Solar Cold Room (with Capital Subsidy)

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6. Details of GST Returns submitted, if any or status of registration

7. Project Details

a.

Objective of the proposed project: The proposed Modular unit solar powered coldroom with

thermal storage backup for storage of fresh produce-fruits, vegetables & flowers specifically. The

unit has dimensions of 15ft x 10ft x 10ft with solar panels mounted on the roof top of the unit. The

cold room maintains a temperature in the range of 4 to 10 Degree C. The system has a battery-less

compressor operation. A small battery is provided to operate only the auxiliary loads and the

control system.

b.

Category of proposed infrastructure as per the Scheme:

SN Component

Mark Tick (✓)

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

14

Projects identified for providing supply chain

infrastructure for clusters of crops including export clusters.

15

Projects promoted by Central/State/Local Governments or their

agencies under PPP for

building community farming assets or post-harvest management

projects.

16 Any other (please Specify)

c.

Type of Operating Model (Rental, PPP, captive, Lease, Franchise etc.) and details

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8. Land Details:

SN Particulars Details

1 Land Area

2 Status of Legal title & Possession

3 if leased, Period of lease

4 Coordinates of location

5 Details of CLU

6

Connectivity to roads

I. State Highway (in Km.)

II. National Highway (in Km.)

7 Availability of Water

8 Availability of Power

9. Proposed facilities:

I. Details of proposed facility

S N

Type of facilities proposed to be

created

No. of Units

Total Capacity [MT,

Ltrs, MT/Hr.

No. of Days of

operation

1 Warehouse

2 Silos

3 Pack-house

4 CA Store

5 Cold store 10

6 Frozen store

7 Pre-cooling Chambers

8

Assaying, Sorting, Grading, Waxing,

Weighing, Packing facility [Modify as

per actual]

9 Ripening Chambers

10 IQF

11 Blast Freezing

12 Refrigerated Vehicles/ Reefer vans

13 Mobile Pre-coolers

14

Insulated/ non-insulated distribution

vehicle

15 Irradiation Facility

16 Organic input production

17 Bio Stimulant production units

To be filled by the applicant

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18 Others (Specify)

II. Details of technologies to be used/ alternative technologies: Attached Annexure No : 01

10. Detailed timeline for construction of proposed project and proposed date for

commencement of operation

11. Proposed Project Financials

a. Estimated Project cost details

Items Amount (₹ in lakhs)

Cost of 3 portable Solar Cold Room (Without DG Set) 33,00,000

Insurance charges @ 0.2% p.a. 6,600

Misc. Charges p.a. 33,000

Depreciation @ 18.1% per year for ten years 33,39,600

b. Means of finance

SN Items Amount (₹ in lakhs) Percentage (%)

1 *Promoter’s Equity 3.3 10%

2

Capital Subsidy/ Benefit from other Central/

State Scheme

3

Loan (including back end capital subsidy of 20%

of project cost amounting to Rs. 6.6 lakhs)

29.70 (including back end

capital subsidy of Rs. 6.6

lakhs)

90%

Total 33.00 100.00%

*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

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c. Basic Revenue Projections (₹ in lakh)

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

1 Turnover

12.96 15.15 16.04 16.93 17.82

2 Cost of Operations

4.30 4.53 4.77 5.03 5.30

3 Gross Profit

8.66 10.62 11.27 11.90 12.52

4

Earnings Before Interest,

Tax, Depreciation and

Amortization (EBITDA)

8.66 10.62 11.27 11.90 12.52

5 Profit before taxation

1.949 4.870 6.421 7.863 9.210

6 Profit after taxation

1.364 3.409 4.495 5.504 6.447

*CMA data to be provided along with projected balance sheet, profit & loss statements, covering entire

period of repayment.

d. Financial Parameters

SN Particulars Details (Ratio/%) Ref Page No. in DPR*

1

Internal Rate of Return (IRR) [(a) With and (b)

without grant/ subsidy]

63.87% -

2 Avg. Debt Service Coverage Ratio (DSCR) 0.733 -

3 Break Even Point (BEP) 65.52% -

4 Debt-Equity Ratio ( TTL/TNW) 1.99 -

5 Fixed Assets Coverage Ratio 0.669 -

e. Credit Facilities proposed

I. Fund Based

a) Term Loan 29.7 lakhs

b) Working Capital Nil

(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)

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

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12. 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.

13. Details of the catchment area of the project

S.N

Location of the Catchment

(Primary/Secondary)

Name

Village/Dist/

APMC

Commodities to

be sourced

Quantities to be

sourced [MT ]

( per annum)

1 abc

2 xyz

*DPR should comprised of detailed chapter on proposed catchment (production and supply statistics).

14. 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.

15. Employment Generation projections

a. Direct Employment: (Skilled and Semi-skilled)…………………

b. Contractual Employment with no. of days: ……………..

c. Indirect Employment (specify): …

16. 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.

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17. Details of pollution issues (if any) and adoption of modern technology for reducing the

carbon footprints and increasing operational efficiency:-

SN Name of technology/item

Basic cost

(Excluding taxes etc.)

How the technology will help in

reducing carbon footprint and/or

increase in operational efficiency

1

2

18. List of Manufacturers/ Suppliers of P&M (enclose quotations): Annexure No: 02

I Certify that the information / contents as above furnished by me / us are true to the best

of 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 rejected out at any stage by the Bank

and not eligible under Agriculture Infrastructure Fund scheme.

Date: _________________ Signature of the Applicant

Place: ______

To be filled by the applicant

Model DPR for Establishment of Solar Cold Room (with Capital Subsidy)

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Annexures

Contents Table

Contents Link

Annexure 1 - Estimated cost of the project Ann 1'!A1

Annexure 2 - Means of Finance Ann 2'!A1

Annexure 4 - Estimated Cost of Production Ann 4'!A1

Annexure 5- Projected balance sheet Ann 5'!A1

Annexure 6 - Requirement of Power and Fuel Ann 6'!A1

Annexure 8 - Details of Mnpower 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

Assumptions Assumptions!A1

Cash flow statement Cash flows'!A1

Sales Budget Budgets!A1

Annexure 1 - Estimated cost of the project

Estimated cost of project

Sr. No. Particulars

Grand Total (in

lakhs)

Product Dimensions

15 ft by 10 ft by

10 ft

Cold room insulation

Poly Urethane

Foam, 100 mm,

38+/-2 kg/m3 or

Equivalent

Cold room body

Pre-painted

galvanized iron

Insulation: PUF

Thickness: 100

mm

Dimensions:

1903x853 mm

Curtains

PVC to reduce

Heat infiltration

on door

openings

Refrigeration TR

(~2.7 TR

approx.) @ -5 C

Evaporating &

50CCondensing

Storage capacity

5 MT depending

upon commodity

Temperature range

4-10 Degree C by

using set point

control as per

req.

Humidity range

65-95% by using

set point

controlled

Backup Type

Air Cooling

Using Thermal

Energy Storage

Backup duration

24-30 hours (non-

door opening &

5.5 KW/m2/day

radiation)

Remote Monitoring

Per minute

logging, GPRS

based, viewable

on desktop and

Smart Phone

Auxiliary Battery 24 V 100 Ah

Solar Power Capacity 5 kWp

Alternative power source

Grid or DG

Hybrid

Financial Analysis Amt

Cost of 3 Portable solar rooms (Without DG Sets)

3,300,000

Insurance charges per annum @ 0.2%

6,600

Miscellaneous charges per annum @ 1%

33,000

Total cost

3,339,600

Constructional

Room door

Operational Data

Power Source

Annexure 2 - Means of Finance

Sr. No. Item Grand Total (in lakhs)

1 Promoter's equity 3.30

2 Eligible Assistance -

3 Term Loan 29.70

4 CC Limit -

Total 33.00

Annexure 4 - Estimated Cost of Production

I II III IV V VI VII VIII IX

No of Working months 12 12 12 12 12 12 12 12 12

Running and Manintenance expense

Insurance cost 6,600 6,930 7,277 7,640 8,022 8,423 8,845 9,287 9,751

Miscellanous maintenance charges 33,000 36,300 39,930 43,923 48,315 53,147 58,462 64,308 70,738

Sub Total 39,600 43,230 47,207 51,563 56,338 61,570 67,306 73,595 80,490

Administrative salaries and wages 390,000 409,500 429,975 451,474 474,047 497,750 522,637 548,769 576,208

Total 390,000 409,500 429,975 451,474 474,047 497,750 522,637 548,769 576,208

Cost of Sales 429,600 452,730 477,182 503,037 530,385 559,320 589,943 622,364 656,697

Expected sales revenue 1,296,000 1,514,700 1,603,800 1,692,900 1,782,000 1,782,000 1,782,000 1,782,000 1,782,000

Gross Profit 866,400 1,061,970 1,126,619 1,189,863 1,251,615 1,222,680 1,192,057 1,159,636 1,125,303

Financial expense

Interest on Term Loan 176,490 154,260 126,900 99,540 72,180 36,180 - - -

total 176,490 154,260 126,900 99,540 72,180 36,180 - - -

Operating profits (PBT) 689,910 907,710 999,719 1,090,323 1,179,435 1,186,500 1,192,057 1,159,636 1,125,303

depreciation 495,000 420,750 357,638 303,992 258,393 219,634 186,689 158,686 134,883

Other income - payment of loan via subsidy - - - - - 660,000 - - -

Net Profit before Tax 194,910 486,960 642,081 786,331 921,042 1,626,866 1,005,368 1,000,951 990,420

Income Tax 58,473 146,088 192,624 235,899 276,313 290,060 301,610 300,285 297,126

Profits after Tax 136,437 340,872 449,457 550,432 644,729 1,336,806 703,757 700,665 693,294

Distribution of profits (70%) 95,506 238,610 314,620 385,302 451,310 935,764 492,630 490,466 485,306

Profit transfer to balance sheet 40,931 102,262 134,837 165,130 193,419 401,042 211,127 210,200 207,988

Assumed that insurance cost is 0.2% of cost which will increase 5% annually

Assumed that there could be miscellaneous maintainance charges, taken to be 1% of cost of cold rooms and increase annually by 10%

Year ending March 31st

DescriptionSr. No

Annexure 5- Projected balance sheet

Projected Baalance sheet

I II III IV V VI VII VIII IX

A Asset

1 Fixed Capital expenditure

Gross Block 3,300,000 2,805,000.00 2,384,250.00 2,026,612.50 1,722,620.63 1,464,227.53 1,244,593.40 1,057,904.39 899,218.73

Less- Depreciation 495,000 420,750.00 357,637.50 303,991.88 258,393.09 219,634.13 186,689.01 158,685.66 134,882.81

net Block 2,805,000 2,384,250.00 2,026,612.50 1,722,620.63 1,464,227.53 1,244,593.40 1,057,904.39 899,218.73 764,335.92

2 Cash/ bank balance 317,831 385,833 423,396 437,716 434,845 138,970 538,381 909,020 1,253,820

Total assets 3,122,831 2,770,083 2,450,009 2,160,336 1,899,073 1,383,564 1,596,285 1,808,239 2,018,156

B Liabilities

1 Capital 330,000 370,931 473,193 608,030 773,159 966,578 1,367,620 1,578,747 1,788,947

Add- Profit 40,931 102,262 134,837 165,130 193,419 401,042 211,127 210,200 207,988

Less- Drawings - - - - - - - - -

Closing capital 370,931 473,193 608,030 773,159 966,578 1,367,620 1,578,747 1,788,947 1,996,935

2 term Loan 2,742,000 2,286,000 1,830,000 1,374,000 918,000 - - - -

3 Creditors 9,900 10,890 11,979 13,177 14,495 15,944 17,538 19,292 21,222

Total liabilities 3,122,831 2,770,083 2,450,009 2,160,336 1,899,073 1,383,564 1,596,285 1,808,239 2,018,156

Current Ratio

Current Assets 317,831 385,833 423,396 437,716 434,845 138,970 538,381 909,020 1,253,820

Current Liabilities 9,900 10,890 11,979 13,177 14,495 15,944 17,538 19,292 21,222

Ratio 32.10415152 35.43 35.34487102 33.21839776 30.00050867 8.7161344 30.69717985 47.11829318 59.08247358

Average 34.63466778

Debt Equity ratio

Debt 2,742,000 2,286,000 1,830,000 1,374,000 918,000 - - - -

Equity 370,931 473,193 608,030 773,159 966,578 1,367,620 1,578,747 1,788,947 1,996,935

Ratio 7.392208418 4.83101282 3.009721351 1.777124227 0.949742273 0 - - -

Average 1.995534343

Fixed asset coverage ratio

Fixed assets 2,805,000 2,384,250 2,026,613 1,722,621 1,464,228 1,244,593 1,057,904 899,219 764,336

Debt 2,742,000 2,286,000 1,830,000 1,374,000 918,000 - - - -

ratio 1.02297593 1.042979003 1.107438525 1.253726801 1.595019097 0 - - -

0.669126595

Debt service coverage ratio

Interest on loan (TL + WC) 176,490 154,260 126,900 99,540 72,180 36,180 - - -

Instalment of loan 1,728,000 1,676,490 1,500,000 1,500,000 1,500,000 1,500,000 1,500,000 1,500,000 1,500,000

Total 1,904,490 1,830,750 1,626,900 1,599,540 1,572,180 1,536,180 1,500,000 1,500,000 1,500,000

Net operating income 866,400 1,061,970 1,126,619 1,189,863 1,251,615 1,222,680 1,192,057 1,159,636 1,125,303

ratio 0.454924941 0.58007374 0.692494007 0.743878193 0.796101541 0.795922289 0.794704371 0.773090872 0.750201827

Average 0.733862357

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

assumed that there are no credit allowed on sales

Sr. No Description

Year ending March 31st

Annexure 8 - Details of Mnpower

Details of Manpower

S. No. Designation In no. Salary per person per month Yearly cost

i. Machine help 2 12,000 288,000

ii. Security 1 8,500 102,000

390,000

Total annual wages 390,000

Annual increase in wages 5%

Total manpower 3

Total

Annexure 9 - Computation of Depreciation

Computation of Depreciation

Sr. No. Particulars Building and civil work Plant and Machinery Misc Fixed Asset Amount in lakhs

i. Cost - 3,300,000 - 33

ii. Pre operatives - - - -

iii. Contingencies - - - -

33

Rates of Depreciation 10% 15% 10% Total depreciation for the year

Year 1 - 495,000.00 - 495,000.00

Year 2 - 420,750.00 - 420,750.00

Year 3 - 357,637.50 - 357,637.50

Year 4 - 303,991.88 - 303,991.88

Year 5 - 258,393.09 - 258,393.09

Year 6 - 219,634.13 - 219,634.13

Year 7 - 186,689.01 - 186,689.01

Year 8 - 158,685.66 - 158,685.66

Year 9 - 134,882.81 - 134,882.81

Total

Annexure 10 - Calculation of Income tax

Calculation of Income Tax

I II III IV V VI VII VIII IX

Net profit before tax 689,910 907,710 999,719 1,090,323 1,179,435 1,186,500 1,192,057 1,159,636 1,125,303

Add- dep on SLM - - - - - - - - -

Sub total 689,910 907,710 999,719 1,090,323 1,179,435 1,186,500 1,192,057 1,159,636 1,125,303

Less- Dep on WDV 495,000 420,750 357,638 303,992 258,393 219,634 186,689 158,686 134,883

Sub total 194,910 486,960 642,081 786,331 921,042 966,866 1,005,368 1,000,951 990,420

Less - Deductions - - - - - - - - -

Taxable profits 194,910 486,960 642,081 786,331 921,042 966,866 1,005,368 1,000,951 990,420

Income tax @30% 58,473 146,088 192,624 235,899 276,313 290,060 301,610 300,285 297,126

Year ending March 31st

Particulars

Annexure 11- Break even analysis (At maximum capacity utilization)

Break even capacity at maximum capacity utilixzation

Sales 1,620,000

Contribution 1,620,000

Less: fixed cost

Wages and salaries 390,000

Depreciation 495,000

Interest on TL 176,490

Fixed cost 1,061,490

Rs. per kg/ stick

Sales price per kg 3

Contribution per kg 3

BEP in kgs 353830.00

Total BEP % 65.52%

In cold storage room there are no variable costs incurred by the businesse, ratgher all the

costs are fixed. Thus there are no variable cost, leading to contribution equalling to sale price

per kg/stick

Annexure 13 - Repayment schedule

Repayment schedule

Amount of Loan (in lakhs) 29.70

Amount of Subsidy (in lakhs) 6.60

Rate of interest 6.00%

Moratorium period 6 months

Year Quarter Balance outstanding Principal instalment Interest

1 29.70 0 0.4455

2 29.70 0 0.4455

3 29.70 1.14 0.4455

4 28.56 1.14 0.4284

1 27.42 1.14 0.4113

2 26.28 1.14 0.3942

3 25.14 1.14 0.3771

4 24 1.14 0.36

1 22.86 1.14 0.3429

2 21.72 1.14 0.3258

3 20.58 1.14 0.3087

4 19.44 1.14 0.2916

1 18.3 1.14 0.2745

2 17.16 1.14 0.2574

3 16.02 1.14 0.2403

4 14.88 1.14 0.2232

1 13.74 1.14 0.2061

2 12.6 1.14 0.189

3 11.46 1.14 0.1719

4 10.32 1.14 0.1548

1 9.18 1.14 0.1377

2 8.04 1.14 0.1206

3 6.9 0.3 0.1035

4 6.6 0 0 repaid via subsidy

1 0 0 0

2 0 0 0

3 0 0 0

4 0 0.00 0

7

1

2

3

4

5

6

In case of Capital subsidy, the amount vary depending on location of unit

and scheme offered by the government at that time. Thus it is assumed

here that 20% of project cost (Rs. 6.6 lakhs)is sourced through back end

subsidy.

The amount Rs. 6.6 lakhs is sourced by Government subsidy. Since this is

a back end subsidy, the amount is funded to bank at the end of

repayment schedule.

Cash flow statement

Particulars I II III IV V VI VII VIII IX

opening balance - 317,831 385,833 423,396 437,716 434,845 138,970 538,381 909,020

Add: Sales realizations 1,296,000 1,514,700 1,603,800 1,692,900 1,782,000 1,782,000 1,782,000 1,782,000 1,782,000

Less: Payment made to creditors of previos year - 9,900 10,890 11,979 13,177 14,495 15,944 17,538 19,292

Add: Receipts from debtors of previos year - - - - - - - - -

Less: Payments made for current year purchase & salaries

419,700 441,840 465,203 489,860 515,890 543,376 572,405 603,071 635,476

Less: Interest payments 176,490 154,260 126,900 99,540 72,180 36,180 - - -

699,810 1,226,531 1,386,640 1,514,917 1,618,468 1,622,794 1,332,621 1,699,771 2,036,252

Less: Income tax 58,473 146,088 192,624 235,899 276,313 290,060 301,610 300,285 297,126

641,337 1,080,443 1,194,016 1,279,018 1,342,156 1,332,735 1,031,011 1,399,486 1,739,126

Less: Distrubutions made from profits 95,506 238,610 314,620 385,302 451,310 935,764 492,630 490,466 485,306

545,831 841,833 879,396 893,716 890,845 396,970 538,381 909,020 1,253,820

Less: Principal repayment of loan 228,000 456,000 456,000 456,000 456,000 258,000 - - -

Closing cash balance 317,831 385,833 423,396 437,716 434,845 138,970 538,381 909,020 1,253,820

PV dicounting rate 6.00%

PVF 0.943396226 0.889996440 0.839619283 0.792093663 0.747258173 0.704960540 0.665057114 0.627412371 0.591898464

Inflows 1,296,000 1,832,531 1,989,633 2,116,296 2,219,716 2,216,845 1,920,970 2,320,381 2,691,020

PV of Inflows 1,222,642 1,630,946 1,670,534 1,676,305 1,658,701 1,562,788 1,277,555 1,455,836 1,592,811

Outflows 978,169 1,446,698 1,566,236 1,678,581 1,784,870 2,077,875 1,382,589 1,411,361 1,437,200

PV of Outflows 922,801 1,287,556 1,315,042 1,329,593 1,333,759 1,464,820 919,501 885,505 850,676

Net cash inflow 317,831 385,833 423,396 437,716 434,845 138,970 538,381 909,020 1,253,820

Net Present value 299,841 343,390 355,492 346,712 324,942 97,969 358,054 570,331 742,134 3,438,863

Storage utilization

Crops Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

Batch size in sticks or kgs 5000 5000 5000 5000 5000 5000 5000 5000 5000 5000 5000 5000

Storage duration in days 10 10 10 10 10 10 10 10 10 10 10 10

No. of storage cycles in a month 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00

Total stcks/ commodities storage in month 15000 15000 15000 15000 15000 15000 15000 15000 15000 15000 15000 15000

Annual 100% capacity for 3 storage rooms 540000

Revenue for using storage space - per kg/ stick 3

I II III IV V VI VII VIII IX

Capacity utilization 80% 85% 90% 95% 100% 100% 100% 100% 100%

Storage utilization in kg/ sticks 432000 459000 486000 513000 540000 540000 540000 540000 540000

Revenue 1,296,000 1,514,700 1,603,800 1,692,900 1,782,000 1,782,000 1,782,000 1,782,000 1,782,000

Year ended 31st March

Sales budget

S. no. Assumptions

1

Assumed that insurance cost is 0.2% of cost which will increase 5% annually

2

Assumed that there could be miscellaneous maintainance charges, taken to be 1% of cost of cold rooms and

increase annually by 10%

3

Asssumed that 90 days of purchases are average creditors maintained

4

Assumed that there are no credit allowed on sales

(Wholly – owned subsidiary of NABARD)

i. More than 100 Full-time Consultants

ii. Backed by 400 domain specialists

iii. Executed over 1700 assignments across India and in African and

Asian Continents

iv. Core Competencies

a. Preparation/Appraisals of DPRs

b. Techno-feasibility study

c. Baseline Surveys

d. Project Management Consultancy

e. Climate Issues and Green Funds

f. Monitoring and Evaluation

g. Impact Assessment Studies

h. Third Party Monitoring of Infrastructural Projects

i. Skills for Livelihood

j. Capacity Building

k. Accreditation of Rural Godowns

l. Climate Change Issues

m. CSR Facilitation

n. IT in Rural Banks

No.

Name of Services

Description

1

Project Management

Consultancy (PMC)

Entails provision of end-to-end solution, including assistance in

statutory approvals, bid process management, issuing and

evaluating tender documents and supervision over infrastructure

projects like Mega Food Park, Rural Godowns, Cold Storage, etc.

funded by Govt. or private entities.

2

Preparation of Detailed

Project Report / Conduct /

Techno-economic

Feasibility

For various activities under agriculture, horticulture, forestry,

fisheries, irrigation, animal husbandry, food processing activities,

agri-infrastructure, climate issues, etc.

3

Third Party Monitoring

(TPM) of Infrastructure

Projects

TPM of various Govt.-funded infra projects to assess the level of

compliance followed in execution. This also covers socio-

economic impact evaluation.

4

Monitoring and

Evaluation (M&E)

M & E is undertaken for various developmental schemes of Govt.

of India and State Govts in the areas of agriculture, animal

husbandry and all other socio-development sectors.

5

Training and Capacity

Building

Training is imparted on forward markets, agriculture market

infrastructure, rural godown, agri-financing, treasury and

investment management for banks, etc.

6

Studies / Baseline

Surveys

Baseline surveys are taken up for measuring impact of community

investment made by public and private sector Companies.

Studies are conduct on women, children, disadvantaged groups /

regions, etc.

7

Livelihood Mapping

Livelihood mapping and analysis is done for identification of

potential activities to be taken up by SHGs

8

International Visitors’

Programme /

International Exposure

Visits

Entails organizing study tours / exposure for the visiting foreign

delegates to their areas of interest such as watershed, micro-

finance, fin-inclusion, cooperatives, projects appraisal, agro-

processing, post-harvest technologies, farmers’ clubs, etc.

9

Consultancy on Banking

and Finance

Designing and execution of priority sector strategies, advisory

services on Treasury and Investment Management for Banks,

preparation of IT Policy, etc.

10

Transaction advisory

Transaction Advisory for setting up of Agri-mall, Silos & Cold

Storages

11

Skills for Livelihood

Skilling of rural BPL youth and placement in the formal sector,

monitoring skill initiatives of MORD, Govt. of India, facilitating

access to credit for trainees, etc.

12

Accreditation of

Godowns

Engaged by WDRA as Accreditation Agency for accrediting rural

godowns.

Pro - Services Rendered by NABCONS