Small Ruminants

GUIDELINES FOR SCHEME FOR INTEGRATED DEVELOPMENT OF SMALL RUMINANTS AND RABBITS

1. Background

1.1. Sheep, and goats are reared by the most poor of the rural population and they provide

our society with meat, wool, milk and manure. These animals have wide adaptability to suit

many of the agro-climatic conditions. The contribution of the sector to rural economy

estimated at Rs.2400 crore mostly to sustain landless, marginal and small farmers. It forms

10% of total value of livestock products. Though our country has around 41 breeds of sheep

and 20 breeds of goat, very little scientific breeding has been done to improve their

performance at the field level. Efforts to import exotic germplasm to crossbreed local animals

have not been successful.

1.2 Poor awareness of the role played by the sector for the downtrodden; absence of

attention by the planners/ bankers; lack of focus on improving performance of animals are

reasons for the sector remaining backward. There are no farmers’ organisations to help them.

There are no schemes aimed at this sector at the national level. Their problems are getting

acute as fodder availability in the migratory routes is drying up. It is necessary to organise

and educate them in the latest technologies available and ensure that animals are selected for

better performance and make use of locally available resources.

1.3 The present proposal addresses the past neglect.

2. Objectives of the Scheme

The main objectives of the scheme are:

i. To encourage sheep/goat/rabbit rearing farmers to go in for commercial rearing rather

than subsistence farming by providing incentives for performance.

ii. The production performance of native breeds will be improved by regular selection and

culling based on measurable indicators.

iii. Facilitate marketing based on acceptable norms so that producer gets a fair share of the

price paid by ultimate consumer for the meat.

iv. To encourage value addition of the products locally and help farmer realise a better

income from the animals.

3. Implementing Period and Area of Operation

The scheme will be implemented during the remaining XI Plan period with a focus on 114

districts for small ruminants and 12 districts for rabbits in 24 states ( Annexure I). State

Level Sanction and Monitoring Committee (SLSMC) can include new areas in their State

taking into account potential in such areas.

1

4. Eligibility

4.1. Individual farmers, SHGs are the intended beneficiaries for setting up rearing units.

Preference would be given for traditional shepherds, women, SC and STs.

4.2. Individual farmers, NGO’s , Companies would be eligible for breeding farms with

preference for those who have organised the farmers into groups for taking up rearing of

small ruminants and rabbits.

5. Project Costs and ceilings on Interest Free Loan (IFL).

5.1. The indicative project costs and ceiling on IFL for different activities are given below

S.No Component Total financial outlay (Rs lakh)

Pattern of Assistance

1 Rearing of sheep and goats (40+2) 1.00 50% of the outlay as IFL subject to a maximum of Rs 50,000/-.

2 Sheep and Goat Breeding units (500+25) 25.00 50 % of the outlay as IFL subject to a ceiling of Rs 12.50 lakh

3 Rabbit rearing units 2.25 50 % of outlay as IFL subject to a maximum of Rs 1.125 lakh

6. Funding pattern

Entrepreneur contribution ( margin) - minimum10% in the case of rearing units and

minimum 25% of the outlay in case of breeding units

Interest Free loan - 50 % of the total financial outlay subject to a

ceiling as per indicated para 5.1 above.

Bank Loan - Balance amount

In case the outlay is more than that indicated above, either the entrepreneur can bring that

amount as additional margin or the bank can sanction it as a loan.

7.Linkage with Credit

Assistance under the scheme would be purely credit linked and subject to sanction of the

project by eligible financial institutions

8. Eligible Financial institutions

a. Commercial Banksb. Regional Rural Banksc. State Cooperative Banksd. State Cooperative Agriculture and Rural Development Banks: ande. Such other institutions, which will be eligible for refinance/co-finance from NABARD.

9. Constitution of State Level Sanctioning and Monitoring Committee and Central

Monitoring Committee

2

9.1 . The SLSMC will be constituted by concerned Regional Office of NABARD and will be

headed by Principal Secretary / Secretary of the Department of Animal Husbandry of the

State and have as its member a representative each from

i. Department of Animal Husbandry, Dairying and Fisheries, Ministry of Agriculture,

GoI.

ii. Lead Bank in the State

iii. State Animal Husbandry Department

iv. An NGO actively operating in the State

v. Regional Office of NABARD - Convener

9.2. At the National level, a Central Monitoring Committee will be constituted to approve

projects to be sanctioned directly by the Department and to formulate operational plan and

policy with respect to the scheme.

10. Implementation of the scheme

I. Rearing Units

a. Identification of NGOs to act as facilitators

i. The SLSMC shall invite proposals from NGOs working in the field of small ruminants or

those ready to work in this area to act as facilitators under the scheme. These NGOs would

be responsible for organising the interested beneficiaries into groups, nurture them, provide

training in coordination with local Animal Husbandry Department, facilitate sanction of loans

to these groups/ members of the groups by the local banks, and arrange for inputs and

marketing of the animals. Separate provision for organising farmers into groups, their training

and capacity building of NGOs is available.

ii. The SLSMC shall select facilitators ( atleast 2 -3 in each district) and allocate the areas to

them.

iii. The identified facilitator shall go ahead with the selection of beneficiaries, formation of

groups, training and linking with banks for selection of groups. This will be done under the

guidance of local Animal Husbandry Department and the District Development Manager of

NABARD.

iv. Good working SHGs already existing in the area also can be considered for rearing

activity under the scheme

b. Sanction of loans by the banks

On completion of training, the facilitator shall arrange for sanction of loans by the local

banks. Banks shall appraise the projects as per their norms and after sanction of the loans

3

apply through their controlling offices in the format given as Annexure II, to the Regional

Office of NABARD for sanction of Interest Free Loan.

The banks, if they so desire, can disburse the loan before receipt of IFL, in which case they

can charge interest on the entire loan amount till they receive the IFL portion. On receipt of

IFL, interest shall be charged on their loan component only and no interest shall be charged

on the IFL. However, this will not confer any right on the bank / beneficiary for the IFL

component which shall be sanctioned / released subject to the project’s eligibility and

availability of funds from Government of India

II Breeding Units

The entrepreneur / NGO shall prepare a detailed project report and submit to their financing

bank for sanction. The bank shall appraise the project as per their norms and if found feasible

and viable shall sanction the loan. Thereafter they shall apply through their controlling offices

in the format given as Annexure II, to the Regional Office of NABARD for sanction of IFL.

As in the case of rearing units, the banks if they so desire can disburse the loan before receipt

of IFL, in which case they can charge interest on the entire loan amount till they receive the

IFL portion. On receipt of IFL, interest shall be charged on their loan component only and no

interest shall be charged on the IFL. However, this will not confer any right on the bank /

beneficiary for the IFL component which shall be sanctioned / released subject to the

project’s eligibility and availability of funds from Government of India

11. Sanction and release of IFL

11.1.NABARD RO will scrutinise the claim proposals and ensure that those, which satisfy

the terms and conditions, laid down in the guidelines only are put up to State level Sanction

and Monitoring Committee (SLSMC) for sanction. The meeting will be convened initially as

and when proposals are received and later at quarterly / half yearly intervals to review the

progress of the scheme.

11.2 The SLSMC will sanction the Interest Free Loan portion (50% of the outlay subject to

the ceiling) for eligible proposals. The SLSMC in each State are expected to meet quickly

after its constitution and decide whether proposal concerning each beneficiary is to be placed

before the Committee for approval or proposals of a district/cluster are to be firmed up and

bunched together for consideration of the Committee or the Committee would ratify the

action taken by the financial institution on individual projects.

11.3 On receipt of the confirmation from HO, the concerned ROs of NABARD will release

the sanctioned IFL to the respective banks. The sanction and disbursement of IFL will be for

the selected beneficiaries only.

4

11.4 The banks will release the first instalment within a month of receipt of the IFL

component from NABARD. If the bank is not in a position to release the loan due to some

reasons, the IFL shall be remitted back to the concerned Regional office of NABARD within

a month of its receipt. In case of delay of such refund the bank has to pay interest on such

amount @10% per annum from the date of its receipt by the nodal branch.

12. Repayment Period and Recovery of Loan

12.1 Repayment period of loan will depend upon the cash flow and will be up to maximum of

9 years including grace period of 2 years. The bank will submit the repayment schedule for

the entire loan inclusive of IFL to NABARD and may take all steps to ensure proper follow-

up and recover the loan provided to the borrower and return the pro-rata amount to NABARD

on a half-yearly basis. For convenience sake, the repayment received during January to June

should be passed on by the bank to NABARD on 31st July and like wise those received

during July to December should be passed on to NABARD on 31st January next year. The

risk, if any, will be shared by Government of India on a pro-rata basis. However, the banks

will take effective steps for recovering the entire loan amount.

12.2. Banks shall furnish the status of the accounts on a yearly basis in the format given in

Annexure-III.

13. Rate of Interest

Rate of interest on term loan shall be as per RBI guidelines and declared policy of the bank in

this regard.

14. Security

The security for availing the loan will be as per guidelines issued by RBI from time to time.

15. Refinance Assistance from NABARD

NABARD would provide refinance assistance to commercial banks, RRBs, SCBs SCARDBs

and other such eligible institutions. Quantum and rate of interest on refinance will be as

decided by NABARD from time to time.

16. Monitoring

16.1. The National Level Central Monitoring Committee will review the progress on half

yearly basis.

16.2. The SLSMC will review the progress on quarterly basis/half yearly as is considered

necessary.

5

16.3. The participating banks should conduct periodic inspections of the units and give a

feedback to the SLSMC on a consolidated basis.

17. Other Conditions� The participating banks will adhere to the norms of appraising the projects regarding

technical feasibility and commercial/financial viability.

� The participating banks should ensure insurance of the assets created under the project,

wherever required statutorily.

� A signboard displaying “Assisted by Department of Animal Husbandry Dairying and

Fisheries, Ministry of Agriculture, Government of India through NABARD” will be

exhibited at the unit.

� Pre and post completion inspection of the project shall be undertaken by the participating

bank to verify physical, financial and operational progress as and when required.

� DAHD&F reserves the right to modify, add and delete any terms / conditions without

assigning any reason.

� DAHD&F’s interpretation of various terms will be final.

� DAHD&F reserves the right to recall any amount given under the scheme without

assigning any reason thereof.

� Any other pre and post inspection would be undertaken by DAHD&F representative to

find out the physical and financial progress as and when required.

� Other operational instructions issued by DAHD&F / NABARD from time to time will be

strictly followed.

6

Annexure- IPotential Districts for Resource Mapping of the Sheep/Goat / Rabbit Rearing Activities

S. No.

State Sheep/Goat Rabbit

1 Andhra Pradesh

Adilabad, Chittor, Cuddapah, Guntur, East and West Godavari, Khammam, Nalgonda, Nizamabad, Prakasam, Rangareddy, Visakapatnam, Warangal (All the districts in the state were included by the SLSMC)

2. Arunachal Pradesh

Lohit, Lower Subansiri, West Siang Tawang

3. Assam Barpeta, Dhemaji, Dibrugarh, Jorhat, Kamrup, Lakimpur, Nagoan, Nalbari

4. Bihar Araria, Banka, Baghalpur, East Champaran, Katihar, Khagaria, Muzzafarpur, Purnia, Sitamarhi

5. Chattisgarh Dantewada, Jashpur, Raipur, Raigarh

6. Gujarat Bhavnagar, Dahod, Jamnagar, Kuch, Panchmahal, Rajkot, SabarKantha, Surendranagar

7. Himachal Pradesh

Chamba, Mandi, Kangra Kullu, Shimla

8. J & K Baramulla, Doda, Kathua, Rajauri, Udhampur

9. Jharkhand Giridih, Hazaribag, Ranchi

10. Karnataka Belgaum, Chitradurga, Gulbarga, Kolar, Mandya, Raichur, Tumkur

11. Kerala Idukki, Kannur Thiruvananthapuram, Ernakulam

12. Madhya Pradesh

Chhatarpur, Jhabua, Shivpuri, Sidhi

13 Maharashtra

Ahmednagar, Beed, Dhule, Nashik, Pune, Sangli, Satara, Solapur, Yavatmal

14. Manipur -- Imphal East & West

15. Meghalaya -- Ri Bhoi

16. Mizoram -- Aizawl

18. Orissa Khurdha, Raigada

19. Rajasthan) Ajmer, Barmer, Bharatpur, Bhilwara, Bikaner, Churu, Jaipur, Jaisalmer, Jalore, Nagaur, Pali, Sikar, Sirohi Udaipur

20. Tamil Nadu

Erode, Krishnagiri, Nagapattinam, Sivaganga, Tirunelveli, Tiruchirapalli, Virudhunagar, Vellore

21. Tripura -- West Tripura

22. Uttaranchal Tehri Garhwal Pithoragarh

23. Uttar Pradesh

Aligarh, Etah, Shravasti, Sitapur

24. West Bengal

Bankura, Burdwan, Murshidabad, Nadia Purulia, 24 Parganas North & South

Darjeeling

7

ANNEXURE

Centrally Sponsored Scheme - Integrated Development of Small Ruminants and Rabbits – Revised Operational Guidelines -Change to Capital Subsidy mode instead of Interest Free Loan (IFL)

As per original guidelines issued vide circular No. 219 dated 24 December 2009

Revised operational guidelines / clarifications

5. Project Costs and ceilings 5. Project Costs and ceilingsSr. No Compone

ntTotal financial outlay (Rs lakh)

Pattern of Assistance- Interest Free Loan (IFL)

Ceiling on Cpital Subsidy (for general category entrepreneurs)

Ceiling on Capital Subsidy (for SC/ST entrepreneurs, hilly and NE states including Sikkim)

(i) Rearing of sheep and goats (40+2)

1.00 50% of the outlay as IFL subject to a maximum of Rs 50,000/-.

25% of the outlay subject to a max. of Rs. 25,000/-.

33.33% of the outlay subject to a max. of Rs.33,300/-

(ii) Sheep and Goat Breeding units (500+25)

25.00 50 % of the outlay as IFL subject to a ceiling of Rs 12.50 lakh

25% of the outlay subject to a max. of Rs 6.25 lakh

33.33 % of the outlay subject to a max. of Rs 8.33 lakh

(iii) Rabbit rearing units

2.25 50 % of outlay as IFL subject to a maximum of Rs 1.125 lakh

25% of outlay subject to a max. of Rs 0.56 lakh

33.33 % of outlay subject to a max. of Rs 0.75 lakh

6 Funding pattern Funding patternEntrepreneur contribution margin) - minimum10% in the case of rearing units and minimum 25% of the outlay in case of breeding units.

No change

Interest Free loan - 50 % of the total financial outlay subject to the ceiling as indicated para 5.0 above.

Subsidy - 25 % or 33.33 % of the outlay as per the eligibility subject to ceilings as indicated under para 5. mentioned above.

Bank Loan - Balance amount .In case the outlay is more than that indicated above, either the entrepreneur can bring that amount as additional margin or the bank can sanction it as a loan.

Bank Loan including subsidy not less than 50% of TFO. For projects of SC/ST, hilly and North Eastern Region, the bank loan including subsidy should not be less than 58.33% of the TFO at the time of sanction.

For example, for a TFO of Rs.1.00 lakh, the bank would initially sanction atleast Rs.50,000 for a project falling in general category and Rs.58,300 for a project

8

belonging to SCs/STs, hilly and North Eastern states including Sikkim. However, banks can sanction higher bank loan also to the extent that it does not affect the minimum margin money stipulations.

11 11. Sanction and release of IFL

11.3 On receipt of the confirmation from HO, the concerned ROs of NABARD will release the sanctioned IFL to the respective banks. The sanction and disbursement of IFL will be for the selected beneficiaries only.

11.4 The banks will release the first instalment within a month of receipt of the IFL component from NABARD. If the bank is not in a position to release the loan due to some reasons, the IFL shall be remitted back to the concerned Regional office of NABARD within a month of its receipt. In case of delay of such refund the bank has to pay interest on such amount @10% per annum from the date of its receipt by the nodal branch.

Sanction and release of capital subsidy

11.2. Minimum Lock in period is 3 years. Adjustment of subsidy in Borrower’s Account : The subsidy released to the banks will be kept in a separate subsidy reserve fund account. The adjustment of subsidy will be back ended. Accordingly, bank loan including subsidy amount would be disbursed as loan by the banks. The repayment schedule will be drawn on the loan amount in such a way that the total subsidy amount is adjusted after repayment of bank loan component.

11.3. No interest is chargeable on subsidy portion : The balance lying to the credit of the subsidy reserve fund account will not form part of demand and time liabilities for the purpose of SLR/CRR.

11.4 After crediting the subsidy amount in the reserve fund account, banks are required to submit a Utilisation Certificate (UC) in the format as per Annexure III.

9

‚ã¶ãìºãâ£ã - IIANNEXURE II

œãñ›ñ Àãñ½ã¶©ã‡ãŠ(Âãä½ã¶ãù¶›) ‚ããõÀ ŒãÀØããñÍããò ‡ãñŠ ãäÌã‡ãŠãÔã ‡ãñŠ ãäÊã†

Ôã½ãñãä‡ãŠ¦ã ¾ããñ•ã¶ããINTEGRATED SCHEME FOR DEVELOPMENT OF SMALL

RUMINANTS AND RABBITSº¾ãã•ã ½ãì‡ã‹¦ã ¨ãɥ㠂ãâÍã •ããÀãè ‡ãŠÀ¶ãñ

‡ãñŠ ãäÊㆠºãö‡ãŠ ‡ãñŠ ãä¶ã¾ãâ¨ã‡ãŠ ‡ãŠã¾ããÃÊã¾ã Ôãñ Ôã½ãñãä‡ãŠ¦ã ªãÌãã

CONSOLIDATED CLAIM FROM THE CONTROLLING OFFICE OF THE BANK FOR RELEASE OF CAPITAL SUBSIDY

(¶ããºãã¡Ã ‡ãñŠ Ôãâºãâãä£ã¦ã àãñ¨ããè¾ã ‡ãŠã¾ããÃÊã¾ã ½ãò ¹ãÆÔ¦ãì¦ã ãä‡ãŠ¾ãã •ãã¾ã)(To be submitted to the concerned NABARD, Regional Office)

1. ºãö‡ãŠ ‡ãŠã ¶ãã½ã/ NAME OF THE BANK:2. ªãÌãñ ‡ãŠã ½ããÖ/ ÌãÓãà -MONTH/YEAR OF CLAIM:

3. Ìã¦ãýãã¶ã ªãÌãñ ‡ãŠãè ‡ãìŠÊã ÀããäÍã / TOTAL AMOUNT OF SUBSIDY CLAIMED:

4. Ìã¦ãýãã¶ã ªãÌãñ ‡ãŠã º¾ããõÀã/ DETAILS OF SUSBIDY CLAIMED:

‰ãŠ.ÔãâS.No.

º¾ããñÀñParticulars

1 2 3

1 Êãã¼ãã©ããê ‡ãŠã ¶ãã½ã ‚ããõÀ ¹ã¦ãã ( ‡ãðŠ¹ã¾ãã ãä•ãÊãã ¼ããè ƒâãäØã¦ã ‡ãŠÀò)Name & address of Beneficiariy (Pl indicate district also)

2 ÌãØãà (‚ã¶ãìÔãîãäÞã¦ã •ãããä¦ã/ ‚ã¶ãìÔãîãäÞã¦ã •ã¶ã •ãããä¦ã/ ‚㶾ã)

10

Category(SF/MF/Shepherd/SC/ST/Others)

3 ãäÊãâØã (Ô¨ããè/ ¹ãìÂÓã)/ Gender (F/M)

4 Ø㟶ã (Ìãõ¾ããä‡ã‹¦ã‡ãŠ / ÔÌã Ôã Ôã/ Øãõ Ôã Ôãâ/ ‡ã⊹ã¶ããè/ ‚㶾ã)Constitution (individual/SHG/NGO /Company/Others)

5 ÍããŒãã ¹ã¦ãã (ãä•ãÊãã ¼ããè ƒâãäØã¦ã ‡ãŠÀò)‚ããõÀ ÍããŒãã ‡ãŠã ºããè†Ôã‚ããÀ ‡ãŠãñ¡Branch Address(indicate district also with BSR code)

6 ¨ãɥ㠌ãã¦ãã Ôã⌾ãã/ Loan a/c No.

7 ½ãâ•ãîÀãè ‡ãŠãè ¦ããÀãèŒã / Date of sanction

8 ¨ãɥ㠇ãŠã „ÿññ;ã / Purpose of loan

9 ¾ãîãä¶ã› ‚ãã‡ãŠãÀ / Unit size

10 ‡ãìŠÊã ãäÌã§ããè¾ã ¹ããäÀ̾ã¾ã / Total financial outlay

11 ½ãããä•ãöã / Margin12 ºãö‡ãŠ ¨ãÉ¥ã / Bank loan13 ‚ããƒÃ †¹ãŠ †Êã ªãÌãã /

Subsidy claimed14 ãä¶ã£ããÃãäÀ¦ã

Þãì‡ãŠãõ¦ããè / Repayment prescribed

15 º¾ãã•ã ‡ãŠãè ªÀ / Rate of interest

16 ¾ããñ•ã¶ãã ‡ãñŠ Ôãâºãâ£ã ½ãò ‚㶾㠇ãŠãñƒÃ ÔãâØã¦ã ÔãîÞã¶ãã / Any other information relevant ot the project

11

1. ֽ㠾ãÖ ÌãÞã¶ã ªñ¦ãñ Öõ ãä‡ãŠ „‡ã‹¦ã ¹ãÆÔ¦ããÌããò ‡ãŠãñ ½ãâ•ãîÀ ‡ãŠÀ¦ãñ Ôã½ã¾ã Ö½ã¶ãñ ¾ããñ•ã¶ãã ‡ãñŠ ¹ããäÀÞããÊã¶ã ½ããØãÃãä¶ãªóÍããò ‡ãñŠ Ôãâºãâ£ã ½ãò ¶ããºãã¡Ã ‡ãñŠ ¹ããäÀ¹ã¨ã Ôãâ. ½ãò ãä¶ããäÖ¦ã Ôã½ã¾ã-Ôã½ã¾ã ¹ãÀ ÔãâÍããñãä£ã¦ã Ôã¼ããè ‚ã¶ãìªñÍããò ‡ãŠã ‚ã¶ãì¹ããÊã¶ã ãä‡ãŠ¾ãã Öõ.

1. We undertake having complied with all the instructions contained in NABARD circular no. _____________________ regarding revised operational guidelines of the scheme and as amended from time to time while sanctioning above proposals.

2. ֽ㠾ãÖ ‚ã¶ãìÀãñ£ã ‡ãŠÀ¦ãñ Öö ãä‡ãŠ œãñ›ñ Àãñ½ã¶©ã‡ãŠ(Âãä½ã¶ãù¶›) ‚ããõÀ ŒãÀØããñÍããò ‡ãñŠ ãäÌã‡ãŠãÔã ‡ãñŠ ãäÊㆠÔã½ãñãä‡ãŠ¦ã ¾ããñ•ã¶ãã ‡ãñŠ ¦ã֦㠄‡ã‹¦ã Êãã¼ãããä©ãþããò ‡ãñŠ Ôãâºãâ£ã ½ãò º¾ãã•ã ½ãì‡ã‹¦ã ¨ãɥ㠂ãâÍã ‡ãñŠ ¹㠽ãò Á.

(Á¹ã¾ãñ ) ‡ãŠãè ÀããäÍã •ããÀãè ‡ãŠÀò.

2. We request you to release an amount of Rs._______________ (Rupees _______________________) as subsidy in respect of the above beneficiaries under the integrated scheme for development of small ruminants and rabbits

Ô©ãã¶ã /Place: :‚ããä£ã‡ãŠãÀãè ‡ãñŠ ½ãìÖÀ ‚ããõÀ ÖÔ¦ããàãÀ

¦ããÀãèŒã /Date : (ãäÌã§ã¹ããñÓã‡ãŠ ºãö‡ãŠ ‡ãŠã ãä¶ã¾ãâ¨ã‡ãŠ ‡ãŠã¾ããÃÊã¾ã)

Seal and signature of the Officer

(Controlling office of the financing bank)¹ãÆããä£ã‡ãðŠ¦ã ÖÔ¦ããàãÀ‡ãŠ¦ããÃ(ºãö‡ãŠ ‡ãŠã ãä¶ã¾ãâ¨ã‡ãŠ ‡ãŠã¾ããÃÊã¾ã)Authorised signatory

Controlling Office of the bank

12

13

‚ã¶ãìºãâ£ã IIIAnnexure III

„¹ã¾ããñãäØã¦ãã ¹ãƽãã¥ã¹ã¨ã - ¹ãîú•ããè ÔããäºÔã¡ãè ‡ãŠñ ãäÊㆠ¹ãŠã½ãñó›

Format for Utilization Certificate - Capital Subsidy

(ãäÌã§ã¹ããñÓã‡ãŠ ºãö‡ãŠ ´ãÀã ¶ããºãã¡Ã ‡ãŠñ àãñ¨ããè¾ã ‡ãŠã¾ããÃÊã¾ã ‡ãŠãñ ¹ãÆÔ¦ãì¦ã ãä‡ãŠ† •ãã¶ãñ ‡ãñŠ ãäÊã†) (FOR THE USE OF FINANCING BANK TO BE SUBMITTED TO THE

REGIONAL OFFICE OF NABARD)

œãñ›ñ Àãñ½ãñ¶©ã‡ãŠ (Áãä½ã¶ãñ¶›) ‚ããõÀ ŒãÀØããñÍããñò ‡ãŠñŠ Ôã½ããä¶Ìã¦ã ãäÌã‡ãŠãÔã ‡ãñŠ ãäÊㆠ¾ããñ•ã¶ãã Öñ¦ãì

½ããØãÃãä¶ãªñóÍã

INTEGRATED DEVELOPMENTOF SMALL RUMINANTS AND RABBITS

1 Êãã¼ãã©ããèê ‡ãŠã ¶ãã½ã, ¹ã¦ãã ‚ããõÀ ¹ãÆãñ•ãñ‡ã‹› ‡ãŠã Ô©ãã¶ãName, address and location of the of the beneficiary and project

2 ãäÌã§ã¹ããñÓã‡ãŠ ºãõö‡ãŠ ‡ãŠã ¶ãã½ãName of the financing bank :

3 ãäÌã§ã¹ããñÓã‡ãŠ ÍããŒãã ‡ãŠã ¶ãã½ã ‚ããõÀ ¹ã¦ããName & address of the financing branch:

4 ºãõö‡ãŠ ´ãÀã ¨ãɥ㠽ãâ•ãîÀãè ‡ãŠãè ¦ããÀãèŒãDate of sanction of loan by bank :

5 ºãõö‡ãŠ ´ãÀã ¾ãîãä¶ã› ‡ãŠãè àãñ¨ã ‚ã¶ãì¹ãÆÌã¦ãö㠇ãŠãè ¦ããÀãèŒãDate of field monitoring of the unit by the bank

6 ¾ãîãä¶ã› ‡ãŠñŠ ¹ãîÀã Öãñ¶ãñ ‡ãŠãè ¦ããÀãèŒã

14

Date of completion of the unit :

7 I. ‡ãìŠÊã ãäÌã§ããè¾ã ¹ããäÀ̾ã¾ã Total financial outlay Á.

I. ½ãããä•ãöã ÀããäÍã Margin Money Á.

1. ºãõö‡ãŠ ¨ãÉ¥ã Bank loan Á.(iv) ¶ããºãã¡Ã Ôãñ ÔããäºÔã¡ãè ‡ãŠãè ¦ããÀãèŒã ¹ãÆãã书㠇ãŠãè ¦ããÀãèŒã ÀããäÍã (Á.) „£ããÀ‡ãŠ¦ããà ‡ãŠñŠ `ÔããäºÔã¡ãè ãäÀ•ãÌãà ¹ãŠâŠ¡ Œãã¦ãã' ½ãñò •ã½ãã ‡ãŠãè ¦ããÀãèŒãSubsidy received Date of receipt Amount Date of credit to the from NABARD (Rs.) "Subsidy Reserve Fund A/C" of the Borrower

8ãä¶ããä½ãæã ÔãìãäÌã£ãã‚ããñò ‡ãŠñ àã½ã¦ãã ‡ãŠñ Ôãã©ã ‡ãŠã Ôãâãäà㹦㠺¾ããõÀãBrief description of facilities created with capacity etc.

9 ãäÌã§ã¹ããñÓã‡ãŠ ºãõö‡ãŠ ´ãÀã ¹ãƼãããäÀ¦ã º¾ãã•ã ªÀRate of interest charged by the financial bank :

% ¹ãÆãä¦ã ÌãÓãÃ/p.a.

10 ºãõö‡ãŠ ¶ãñ ¶ããºãã¡Ã Ôãñ ¹ãì¶ããäÌãç㠹ãÆ㹦ã ãä‡ãŠ¾ãã Öõ/¶ãÖãèé ãä‡ãŠ¾ãã Öõ.The bank has / has not availed refinance from NABARD

11 ¾ãÖ ¹ãƽãããä¥ã¦ã ãä‡ãŠ¾ãã •ãã¦ãã Öõ ãä‡ãŠ „‡ã‹¦ã ¹ãÆãñ•ãñ‡ã‹› ‡ãñŠ Ôãâºãâ£ã ½ãñò ¹ãÆ㹦㠹ãîú•ããè ÔããäºÔã¡ãè ‡ãŠãè ¹ãîÀãè ÀããäÍã ‡ãŠã „¹ã¾ããñØã ãä‡ãŠ¾ãã Øã¾ãã Öõ

15

(ÔããäºÔã¡ãè ãäÀ•ãÌãà ¹ã⊡ Œãã¦ãã - „£ããÀ‡ãŠ¦ããà ÌããÀ ½ãñò •ã½ãã ´ãÀã) ‚ããõÀ Œãã¦ãã ºããäÖ¾ããñò ½ãñò ¾ããñ•ã¶ãã ‡ãŠãè Ôã½ãØãÆ ½ããØãÃãä¶ãªñóÍããñò ‡ãñŠ ¼ããè¦ãÀ ¹ãÆãñ•ãñ‡ã‹› ‡ãŠãè ÔÌããè‡ãðŠ¦ã ãä¶ã¾ã½ã Ìã Íã¦ããô ‡ãñŠ ¦ãÖ¦ã Ôã½ãã¾ããñãä•ã¦ã ãä‡ãŠ¾ãã Øã¾ãã. This is to certify that the full amount of capital subsidy received in respect of the above project has been fully utilized (by way of crediting to the "Subsidy Reserve Fund Account - borrower - wise) and adjusted in the books of account under the sanctioned terms and conditions of the project within the overall guidelines of the scheme.

Ô©ãã¶ã :Place :¦ããÀãèŒã :Date :

(______________________) ÔããèÊã Ìã ÖÔ¦ããàãÀ

ÍããŒãã ¹ãƺã£ã‡ãŠ (ãäÌã§ã¹ããñÓã‡ãŠ ºãõö‡ãŠ)

Seal & Signature of the

Branch Manager (Financing bank)

16

Annexure V

Indicative Farm Model - Economics of Goat Farming (Semi Intensive)

A. Summary

1 Unit Size 40 Does + 2 Bucks

2 Breed Osmanabadi

3 Unit cost (Rs.) 1,00,000/-

4 Margin Money (Rs.) 25,000/-

5 Bank Loan (Rs.) 50,000

6 Capital Subsidy (Rs.) 25,000/-

7 Repayment period (Years) 6 years with one year grace period

8 Interest rate (% p.a.) 12%

9 NPW @ 15% DF (Rs.) + 77,263/-

10 BCR @ 15% DF 1.5 : 1

11 IRR (%) 43%

Annexure V

Indicative Farm Model - Economics of Goat Farming (Semi Intensive)

A. Summary  

1 Unit Size 40 Does + 2 Bucks

2 Breed Osmanabadi

3 Unit cost (Rs.) 1,00,000/-

4 Margin Money (Rs.) 25,000/-

5 Bank Loan (Rs.) 50,000

6 Capital Subsidy (Rs.) 25,000/-

7 Repayment period (Years) 6 years with one year grace period

8 Interest rate (% p.a.) 12%

9 NPW @ 15% DF (Rs.) + 77,263/-

10 BCR @ 15% DF 1.5 : 1

11 IRR (%) 43%

B. Investment costS.

No.Item Specifications Physical

UnitUnit Cost (Rs./Unit)

Total Cost (Rs.)

1 Shed 10 sft / Does 400 Sft 40/SFT 1600020 sft / Does 40 Sft 40/SFT 1600

2 Equipment Feeders, Waterers, etc 42 40/Animal 16803 Cost of Animals

17

Does 8-9 months 40 1500 60000Bucks 12 months 2 2000 4000

4 Insurance 4% 25605 Vet Aid Rs.20 / adult 1500

Rs.10 / Kid6 Fodder

Cultivation1 / 2 acres 3000/acre 6000

7 Supplementary conc. feed

Per Breeding Cycle 1200 kg 4/kg 4800

8 Misc. Expenses 1860Total Financial Outlay 100000

C. Techno-Economic Parameters

1 Unit Size 40 Does + 2 Bucks - Semi Intensive System2 Production Traitsi) Age at Maturity (Months) 10-12ii) Kidding Interval (Months) 8iii) Kidding Percent 85iv) Twinning Percent 60v) Sex Ratio among Kids 1 : 1vi) Mortality (%)

Adult 5%Kids 15%

vii) Salable Age of Kids (Months) 8 - 9viii) Culling of Does (%) per year from 2nd

year20

3 Expenditure Normsi) Shed Space (Sft / Animal)

Does 10Buck 20

ii) Cost of Construction (Rs. / Sft) 40iii) Cost of Equipment (Rs. / Animal) 40iv) Fodder Cultivation (Rs. / Acre)

Irrigated Rs.6,000 / acreRainfed (Seasonal) Rs.3,000 / acre

v) Supplementary Feed per Breeding CycleBucks - 8 kg / month for 3 months 48Does - 7.5 kg / month for 3 months 900Kids - 4 kg / month for 1 month 260Total 1208 kgCost of Feed Rs.4 / kg

vi) Labour Family Labourvii) Vet Expenses Rs.20 / adult

Rs.10 / kidviii) Insurance 4% of Value of Animals

18

ix) Value of closing stockAdult Rs.1,500 / animal

Young Stock Rs.500/animal4 Income Normsi) Sale Price of Buckling (Rs./animal) 850ii) Sale Price of Doeling (Rs./animal) 800iii) Sale Price of Culled Does (Rs./animal) 1,800iv) Sale Price of Buck 2,000

D. CASH FLOW STATEMENT S. No.

Particulars Years

First Second Third Fourth Fifth Sixth1 2 3 4 5 6

A Costs1 Capital Cost 1000002 Recurring Costs

a Green fodder pro Cap 6000 6000 6000 6000 6000b. Suppl feed Cap 9600 4800 9600 4800 9600c. Vet care etc 1800 1500 1800 1500 1800d Insurance Cap 2600 2600 2600 2600 2600e Misc expenses Cap 3600 3600 3600 3600 3600f Purchase of Buck - 4000 4000

Total Costs 100000 23600 22500 23600 18500 27600

B Benefitsa Sale of animals

Adult Buck - - 4000 - - 4000Culled Does - 14400 14400 14400 14400 14400Bucklings - 36550 19550 38250 19550 37400Doelings - 28800 6400 28800 12000 28000

b Value of closing stock

- 87500

Total Benefits 79750 44350 79050 45950 171300

C Net Benefits (100,000) 56150 21850 55450 27450 143700

DF @ 15% 0.87 0.756 0.658 0.572 0.497 0.432NPW @ 15% +77,263BCR @ 15% 1.50:1IRR 43

E Repayment ScheduleCapital Subsidy Rs.25,000/-Bank Loan Rs.50,000/-Interest 12% per annumRepayment Period 6 years including first year grace period

19

Year

Loan Outstanding Gross Surplus

Interest Repayment of

Total Outgoings

Net Surplus

Bank Loan @ 12% p.a.

Bank Loan

1 50000 6000 0 0 02 50000 56150 6000 10000 22000 341503 40000 21850 4800 5000 9800 120504 35000 55450 4200 15000 19200 362505 20000 27450 2400 5000 7400 200506 15000 56200 1800 15000 16800 39400

Annexure V

INDICATIVE FARM MODEL - ECONOMICS OF SHEEP FARMING

A. SUMMARY

1. Unit Size 40 Ewes + 2 Rams

2. Breed Nellore Brown

3. Unit cost (Rs.) 1,00,000/-4. Margin Money (Rs.) 25,000/-5. Bank Loan (Rs.) 50,000/-6. Capital Subsidy 25,000/-7. Repayment Schedule (Years) 7 years with

one year grace period

8. Interest Rate (% p.a) 129. NPW @ 15% DF 36,243/-10. BCR @ 15% DF 1.28:111. IRR (%) 26

B. INVESTMENT COST

SR.NO. ITEM SPECIFICATIONS

PHYSICAL UNIT

UNIT COST (Rs./ UNIT)

TOTAL

1. Shed Thatched 440 sft 40 17,6002. Equipment Lumpsum -- -- 5003. Cost of Ewes -- 40 nos. 1,600 64,0004. Cost of Rams -- 2 nos. 2,500 5,000

20

5. Insurance of Animals 4% -- -- 2,7606. Vet. Aid & Medicines -- -- -- 1,5007. Fodder Cultivation -- 2 Acres 2,500 5,0008. Feed for 1 cycle of breeding

Ewes 90 days 720 kg. 4 2,880Rams 60 days 30 kg. 4 120Lambs 30 days 96 kg. 4 384

9. Misc. expenses Lumpsum -- -- 256

Total Final Outlay 1,00,000

C. TECHNO ECONOMIC PARAMETERS

1. UNIT SIZE 40 Ewes + 2 Rams

2. PRODUCTION TRAITS

(i) Age at maturity (months) 10-12(ii) Lambing intervals (months) 12(iii) Lambing percent 75-80(iv) Sex Ratio among lambs 01:01(v) Mortality (%) Adults 5 Lambs 10(vi) Saleable age of lambs

(mths)9-10

(vii) Culling of Ewes 20

3. EXPENDITURE NORMS

(i) Shed space (sq.ft.)/ animal Ram

20 (housing practices vary)

Ewe

10

(ii) Cost of construction (Rs./sqft.)

40

(iii) Fodder Cultivation - Rainfed (Rs./ acre)

2,500/-

(iv) Supplementary Feed Ewes 90 days @ 200 gms/ animal/ day Rams 60 days @ 250 gms/ animal/ day Lambs 30 days @ 200 gms/ animal/ day

(v) Cost of Feed (Rs./kg) 4/-(vi) Labou

rFamily Labour

21

(vii) Vet. expenses Rs.20/- adultRs.10/- lamb

(viii) Insurance 4% of value of animals

4. INCOME NORMS

(i) Sale price of Ram Lamb (Rs./lamb)

1400/-

(ii) Sale price of Ewe Lamb (Rs./lamb)

1,300/-

(iii) Sale price of culled ewe (Rs./animal)

1,800/-

(iv) Sale / purchase price of Ram

2,500/-

D. CASH FLOW STATEMENT S. No.

Particulars Years

First Second Third Fourth Fifth Sixth Seventh1 2 3 4 5 6 7

A Costs1 Capital Cost 1000002 Recurring Costs

a Green fodder pro Cap 5000 5000 5000 5000 5000 5000b. Suppl feed Cap 3400 3400 3400 3400 3400 3400c. Vet care etc 1100 1100 1100 1100 1100 1100d Insurance Cap 1000 1000 1000 1000 1000 1000e Purchase of Ram Cap - - 5000 - 5000 -

Total Costs 100000 10500 10500 15500 10500 15500 10500

B Benefitsa Sale of animals

Adult Ram - - 5000 - - 5000Culled Ewe - 14400 14400 14400 14400 14400 14400Ram lamb - 21000 18200 19600 18200 18200 16800Ewe lamb - 5200 5200 5200 6500 3900 3900

b Value of closing stock

- 82400

Total Benefits 40600 42800 39200 39100 41500 117500

C Net Benefits (100,000)

30100 32300 23700 28600 26000 107000

DF @ 15% 0.87 0.756 0.658 0.572 0.497 0.432 0.376NPW @ 15% +36243BCR @ 15% 1.28:1IRR 26

22

E Repayment ScheduleCapital Subsidy Rs.25,000/-Bank Loan Rs.50,000/-Interest 12% per annumRepayment Period

7 years including first year grace period

Year

Loan Outstanding Gross Surplus

Interest Repayment of Total Outgoings

Net Surplus

Bank Loan @12% p.a. Bank Loan1 50000 6000 0 0 02 50000 30100 6000 5000 16000 141003 45000 32300 5400 10000 15400 169004 35000 23700 4200 6000 10200 135005 29000 28600 3480 10000 13480 151206 19000 26000 2280 10000 12280 137207 9000 35100 1080 9000 10080 25020

Model Economics of Goat Breeding Farm

A. Project Cost

Particulars Cost (Rs. in lakhs)

Cost of Animal

[a] Bucks (25) @ Rs.3000/- 0.75

[b] Does (500) @ Rs.2500/- 12.50

Land Development / Civil Structures

[a] Fencing 1.00

[b] Wastelend and pasture development 1.50Renovation of civil structure 2.50

Post-mortem facility and laboratory 1.00Minor irrigation structures

Deepening of bore wells, submersible pumps, pipelines & renovation of OHT

1.05

Equipment

Feed trought & water pails 0.21

Chaff cutter 0.25

Animal Handling facility and Veterinary equipments 0.50Equipment of Agri Operations 2.00

Working Capital

[a] Salary of Manager 0.84

[b] Feeding for one cycle 0.72

[c] Veterinary aid & labour 0.30

23

Total Outlay 25.12

Say 25.00

B. Income Expenditure Statement

Particulars I Year II Year onwards

Income

Sale of male kids 0.00 6.50

Sales of female kids 0.00 3.50

Sale of culled does 0.00 2.00

Sale of manure 0.20 0.20

Total Income 0.20 12.20

Expenditure

Cost of feeding 0.72 0.72

Pasture management cost 0.60 0.60

Insurance charges 0.50 0.75

Salary of manager 0.84 0.84

Misc.(Vet. Aid, labour, etc.) 0.30 0.30

Total Expenditure 2.96 3.21

Gross Surplus -2.76 8.99

Model Economics of Sheep Breeding Farm

A. Project Cost

Particulars Cost (Rs. in lakhs)

Cost of Animals

[a] Rams (25) @ Rs.3000/- 0.75

[b] Ewes (500) @ Rs.2500/- 12.50

Land Development

[a] Fencing 1.00

[b] Land Development 1.50

Renovation of civil structure 2.50

Post-mortem facility and laboratory 1.00

Minor irrigation structures

[a] Deepening of bore wells 0.30

[b]Submersible pumps 0.60

[c]Pipeline, renovation of overhead tanks 0.15

Equipment

Feed trought & water pails 0.21

24

Animal Handling facility and Veterinary equipments 0.50Equipment of Agri Operations 2.00

Working Capital

[a] Salary of Manager 0.84

[b] Feeding for one cycle 0.72

[c] Veterinary aid & labour 0.30

Total Outlay 24.87

Say 25.00

B. Income Expenditure Statement

Particulars I Year II Year onwards

Income

Sale of male lambs 0.00 5.00

Sales of female lambs 0.00 2.00

Sale of culled ewes 0.00 2.70

Sale of manure 0.20 0.20

Total Income 0.20 9.90

Expenditure

Cost of feeding 0.72 0.72

Insurance charges 0.45 0.60

Salary of manager 0.84 0.84

Misc.(Vet. Aid, labour, etc.) 0.30 0.30

Total Expenditure 2.31 2.46

Gross Surplus -2.11 7.44

25