$
PRODUCE SEGREGATION
SMALL FARMER
TRADER RETAILER SLUM DWELLER
WHOLESALER
OFFSPECS MOVE ALONG THE LONG INEFFICIENT SUPPLY CHAIN
COMMISSION AGENT
40% of the Vegetables & grains is lost in transit
Nutrit
ion
Afford
ability
TRADER
COMMISSION AGENT
WHOLESALER RETAILER
MARGINAL FARMER
CO-OPERATIVESWOMEN
ENTREPRENEUR
SLUM DWELLER
POSHNAM CREATES NEW VALUE FOR
OFF-SPECS
$1
$1.25 $1.5 $2.02
$1.8
$1.85Mark up 2%
Mark up 25%
Mark up 20%
Mark up 35%
$3.03Mark up 50%
Mark up 50%$1.2
Source : Investment Information and Credit Rating Agency of India (ICRA)Mark up 20%
TRADER
COMMISSION AGENT
WHOLESALER RETAILER
CO-OPERATIVES
SLUM DWELLER
POSHNAM REDUCES TRANSIT TIME & OFFER FRESH VEGETABLES &
GRAINS 2 DAYS
4-6 DAYS
WOMEN ENTREPRENEURSSource : Investment Information and Credit Rating Agency of India (ICRA)
MARGINAL FARMER
Distribution Point
Appendix
PRODUCE SEGREGATION
SMALL FARMER
VALUE OF SEGREGATION
100 Kg @ $1/Kg $100 30 Kg @ $0.6/Kg 60 Kg @ $1.3/Kg $109
SMALL FARMER
+
Slum dweller 2014 2015 2016 2017 2018Number of Slum Dwellers (Avg family size of 4) 20,000 200,000 2,000,000 10,000,000 20,000,000Number of Families 5,000 50,000 500,000 ,2500,000 5,000,000
Number of Women in Group 8House covered per member 16Number of Women mobile vendors 320 3,200 32,000 160,000 320,000Number of groups 40 400 4,000 20,000 40,000
WOMEN ENTREPRENEURS
Per Kg Cost to customer as per market price
Cost to customer as per Poshnam' s price
Daily req per person in Kgs
Per person Cost to customer as per market price
Per person Cost to SHGs as per Poshnam price
Margin for Women Mobile venders
Per person Cost to end consumer as per Poshnam price
Potatoes 5 2.97 0.25 1.25 0.7425 2% 0.75735Bottlegaurd 25 7.92 0.15 3.75 1.188 2% 1.21176Spinach 16.25 7.92 0.1 1.625 0.792 2% 0.80784Grains Wheat 22.5 13.5 0.15 3.375 2.025 2% 2.0655Toor Dal 70 45 0.1 7 4.5 2% 4.59Chana/Gram 75 46.8 0.1 7.5 4.68 2% 4.7736Soya 70 48.6 0.1 7 4.86 2% 4.9572 Total 31.5 18.7875 19.16325For Family of four 126 75.15 76.653Savings for family of four 39% In dollar terms ( Exchange ratio 60:1) 2.1 1.25 1.28
SAVINGS FOR SLUM DWELLERS
Amount Required per person Kg per day per person Energy (Kcal)Potatoes 0.25 140Bottleguard 0.15 170Spinach 0.1 100Soyabean 0.1 250Wheat 0.15 600Toor Dal 0.1 200chana/ Gram 0.1 200Rice 0.1 400
NUTRITION REQUIREMENTS
This includes bitter gourds which do not qualify for inclusion
in the higher grades but satisfy the minimum requirements.
Provided that the following do not amount to defect if the
bitter gourds retain their essential characteristics as regards
the quality, the keeping quality and presentation:- defects in
shape and development;- defects in color.- skin defects
(scratches, scars, scraps and blemishes) not to exceed 4
cm. cumulative area of total surface area. The skin defects
must not affect the pulp
Class II
Source: agmarknet.nic.in/FruitVegGmRules2012.pdf
Cash Flow Statement 2014 2015 2016 2017 2018Cash in Flows from operating activities
Cash from Sales 135270000 1342140000 14221008000 70526700000 141053400000Cash from Bill boards 320000 3200000 32000000 160000000 320000000Cash from analytics 1440000 14400000 216000000 972000000 1818000000
Total cash in flows 137030000 1359740000 14469008000 71658700000 143191400000Cash out flow Operating Expenses 32337686 224656416 1399353562 6885332640 13770665280
COGS 105722496 963912960 10187804160 50458464000 1.00917E+11
operating income before taxes -1030182 171170624 2881850278 14314903360 28503806720Taxes 30% 0 51351187.2 864555083.5 4294471008 8551142016
Income after taxes -1030182 119819437 2017295195 10020432352 19952664704
Operating cash flows -1030182 119819437 2017295195 10020432352 19952664704in million $ -0.01717 1.99699061 33.62158658 167.0072059 332.5444117Change in working capital 0.3565334 2.89131351 30.44628336 133.3784881 167.0726183Free cash flow to firm -1 -0.373703 -0.8943229 3.175303221 33.62871781 165.4717934
FREE CASH FLOW TO POSHNAM
Cities in India Target slum population 2014 2015 2016 2017 2018 6 months 1 Year Hyderabad 5000 20000 100000 400000 1000000 1500000Greater Visakhapatnam M Corp 100000 300000 500000 750000Greater Mumbai 300000 2000000 3000000Delhi 300000 1000000 1500000Kolkata 500000 2000000 3000000Bangalore 200000 500000 750000 2000000 7000000 10500000Global operation from 4th year Dhaka 2000000 4500000Manila 1000000 2000000Nairobi 2000000Sau Paulo 1000000Total 20000 200000 2000000 10000000 20000000
NO. OF SLUM DWELLERS COVERED
Credit & Health Benefits
Poshnam Services
7 Days credit period
7 Days credit period