1. TE ECONOMIC PARAMETERS —__ fl I ype ot A No. of Animals No. of animals/bateh Cost of Animal (Rs. /animal) [Costofculled animal Transpo st/Animal [Average Milk Vield (liter /da —_395,000/- | [Bloor space (sq, feet) per adult animal Floor space (sq. feet) per calf | | Cost of construction per sq. feet (Rs.) | Cost of chaff cutter (power operated) [| Ss) jent per animal (Rs) Lnsurance premium (% per annum) Veterinary aid/animal/ year (Rs.) | Quantity of Concentrate feed in one bag (Kgs) Cost of concentrate feed (Rs./kg) of dry fodder (Rs./kg) | Cost of green fodder (Rs./kg) _ No.of labourers _ oe |Salary of labourer per month (Rs) Cost of electricity and water/animal/year (Rs. | Margin (%) Rate | [Repayment period (years) Selling price of milk/litre (Rs./litre) Thatched Roof. t180/- Asbestos Roof: €300/- | Sale price of gunny bags (Rs. per bag) Lactation days [Dry days — 2, LOAN ASSESSEMENT [sno Particular _aimals (For Asbestos roof) ansportation for 10 animal ost of Chaff cutter (Cost of construction of shed @ 40 Sq, feet per animal for 10 5 @ 30 Sq. feet per animal Total fixed investment7 b) RECURRING EXPENSES: ______Particula Cost of feed per month for 10 animal {Cost of veterinary aid for 10 animals Charge | Total Cost_ 2,500/-| _%75,000/- 00/-| _ %30,000/- | Cost of Insurance for 10 animals @4.50% 24,275/-|__42,750/- Cost of electricity, water & other expenses for per animal/ . 7 month for 3 months _ a %300/ 49,000/ mo _ 38,000/-| __%24,000/- | fodder cultivation for Lacre — 319,250 __ Total recurring cost 22,00,000/- S.No _ jount | 1 _| Total fixed investment %12,00,000/- __| Total recurring cost _ ___22,00,000/- | Total Project Cost _ Borrower's Margin (25%) approx. Bank Loan (75%) RAC | Assume that 1st batch is purchased on Ist January of that year & 2nd batch will be | purchased after 6 months i.e., on 1st July. Considering 1 year = 360 days | | _(Standard Lactation days: 270, Standard Dry days: 150) _| [] Batch-I - Batch-I | Total Total | bactation | yy days | Lactation Dry days Lactation | Dry |__ days days | days days elses = apt | days, | | |Period Days Period “7a” Period |>®¥) period we (A+) (BD) | [4stWear | 1-270 1270 271-360, 90 [18-300 180) Ni) 0 | 450 90 2nd Year) _| 1-60 __ 60 | 1-90 | 90 [91-240/150/ 90 | 210 | L 61-330 | 270 [331-360] 30 [241-360/ 120 | 390 | 3rd Year L 120 | 1-150 | 150 [151-300 150| 150 } 240 | ____ [301-360] 60 _ [300 4th Year 30 | 31-180 | 150 | 1-210 | 210 [211-360 150 240 LC 181-360] 180 i= [SthYear 1-90 | 90 | 91-240 150 | 1-270 | 270 271-360 | 120 — _[_ | [6th Year 150° 1-60 | — “60, 61-330 | 270 331-360 7th Year 210 150 =120 ) _ | _/121-360| 240 (8th Year| 1-270 [270 90 | 1-30 | 30 [31-180 — fo |___|181-360) 180 | LT 1890 | ~ 1990 1800) 3690 | 1890 Page 9 of 15 | | JYear Lactation] Dry | Total feed in kg [ Lactation Dry | Type of feed | Price (8) | Qty. (Kg) | Cost Per Day (2) Qty. (Kg) | Cost Per Day (3) | Concentrate Feed | 15 5 75 2 30 Green Fodder 1 25 25 20 20 Dry Fodder 2 4 8 5 10 _ Total 18 | 34 [108 27 oo | 5. FEED COST | | Total feed | Total feed Year [HAetation | py, nays Feed cast for Fecoee | cost during | costduring | Total Days Period | Period tation | dry period feed cost (Daysx5) | (Days x5) Year 1 450 | 90 108 60 243000 27000 [2,70,000 Year2 | 480 240 108 60 259200 72000 [3,31,200 | Year3 | 450 270 tos | 60 243000 81000 [3,24,000 Year+ | 420 300 | +108 60 | 226800 | 90000 _|3,16,800 YearS | 480 | 240 108 60 259200 72000 _/3,31,200 [Yearé | 480 240 108) 60 259200 72000 3,831,200 Year? [450 270 108 60. 243000 81000 [3,24,000 Year8 | 480 240 108 60 259200 72000 [3,31,200 | [3690/1890 g64 | 480 | 1992600 | 567000 [2559600 6. INCOM ALE OF A | | Total feed in | No. of [Sale amount LL ‘9 Kg feed consumption during lactation period & 7 Kg during Dry period. Green fodder has been excluded. 1 gunny bag holds 50Kg of feed. Lactation & dry days were cumulative figures of both the batches, hence Sanimals were considered for arriving the feed quantity. Days | Days| during lactation ee” Total feed “sam ae A B C=A‘S oT, F5E/50 | G=FH0 | [Weart| 450 | 90 | 20250 3150 468 4,680 [Year2| 480 | 240 | 21600 8400 600 | 6,000 | [Year3] 450 | 270 20250 9450 594 | 5,940 [Vear4[ 420 | 300 18900 10500 588 5,880 | [Years[~ 480 | 240 21600 8400 600 6,000 Year6| 480 | 240 21600 8400 | 600 6,000 Year7| "450 [270 20250 9450 | 29700 | 594 5,940 | [Years/ 490) 240 21600) 8400 30000 | 600 6,000 Page 10 of 15Considering yield of 10 litres per animal per day @ &50/- per litre [Year “| Lactation Days Sale of milk Days x 50 Rs/Litre x 1OLiters x 5 Animals Year! | 450 11,25,000 [Year2 | 480_ _12,00,000 | Year 3 450 11,25,000 Year 4 420 10,50,000 Year 5 480 12,00,000 Year 6 480 12,00,000 Year 450 [Years | 480 | | S.No LOAN LIMIT | RoI | INTEREST | REPAYMENT | OUTSTANDING I 12 | 1035616 | 10356.16 | Tosa00 [2 [ioso000— [12 | 035616 | 10ase16 to-go 31 1050.000_ | 43 |10356.16 | 1035616 | ~ango-o00 4 [10550090 [-12"| 1036.16 | 1700000} —to.asasa 5 10,43,356 12 10290.64 | 17000.00 10,36,647, 6 | 10.36.647 [42 | 4022446 | 1700000 ~| —anzsert [7 10,293,871, 12 10157.63 17000.00 | 10,23,029 8 12 10090.15 17000.00 10,16,119 9 40.16,19 | 12 | 1002200 | 1700000 | annoy 10 10,09,141 12 | 9953.17 | 17000.00 10,02,094 [1002096 | 12 | 99as.67 [17000007 asaane 12 | 994978 [a2 | 9813.48 | 1700000} 987791 13 | 987,791, 12 9742.60 17000,00 —14_| 990534 [12 | 9e71a2 | 700080 15_| "978205 [a2 | 959873 [1700000 | ~~oasuoe 16 | 965.804 [12 | 9525.74 | 1700.00 958,329 17 958,329 22 | 9452.02 17000.00 9,50,781 18 [950781 [12 |_937757 1700000} sania [39 "| “343.59 [12 [930239 | 170000071 sasaen 20_| “935461 | 12 | 922847 | 1700000) 93a 21 927,688 12 9149.80 17000.00 9, 19,838 2 | 9.9838 | 12 | 907237 | ~a700000~[ onan 28 | sui9i0 | 42] a904.i8 700000) atone [24 | “908908 P12 [991522] 1700.00 | asa 25 | 895,819 | 8835.48 1700.00 887,655 26 |_an655 375495 | 1700000 | 979,810 27 | a7aaio [12 | ao73ea 17000.00 871,08 Page 11 of 15[28] s71088 [2 | asnisi_| 1700000 [amas] 29 | 802075 [a2 | 850858 | 1700000 | _as4tey | 30 | 854164 | 12 | ef2ea2 | 1700000 | a aseoe [31 845,608 12 | 8340.25 17000.00 836,949" | 32 836,949, 12 | 8254.84 17000,00 828.204 33, 8,28,.204 12 8168.58 17000.00 81 0372 a4 | nigav2 | 12 | aoeien | 1700000) a ioase 35, 810,454 12 7993.51 17000.00 801447 | 36_|aorea7 | 12 | 700468 | 700000 | ~7 92382 37_| 792,352 | 19 | ~7a1498 | ~17000.00~[ ~7a3 167 38_| 783167 [12 | 772438 | ~17000.00 778891 | 773801 | 12 | 763290 | 17000.00 7] 764.04 40 | ro4504 [a2 [754051 | 1700000 | 755905 41 755,065 12 7447.21 17000.00 745,512 | 74551212 | 735299 | 1700000} 938.65 #3738005 | 12 | 725784 | 1700000 | 72027 [4 [726.128 [a2 | 161.76) 700000 76204 45_[ 71620412 | 706872 | 1700000 —Foeso {46 [706349 [12] 6966.73 1700.00 | 6.96316 | 17_| 696,816 | 12 | 6967 77 | 1700000) eneaee 48_| 686,180 | 12 | 676784 | 1700000} ~e 75081 49, 6,75,951 12 6666.92 17000.00 “| 50, 665,618 12 “6565.00 17000.00 [ 51 655,183 12 6462.08 17000.00, s2_| 644645] 12 | 688015 | 1700000] —esaona 53_[ 634008} 12 | 6es319 | a700000 | 6 2azs7 sa 623257 | 12 | 14799 | 1700000} eau 5s_| 612408 | 12 | soos | 1700000} eo taas 56 | 601444 | 12 | soa203 | 1700000 590.376 Csr 5,90,376 12 5822.89 17000.00 5,79,199 [se 570109 [az] smia6s) 700000) sa791 so s67912 [12 | sao132 | ~a700000 | scsi 60_| 556513 | 12 | 5488.0 | 1700000 | ~~ sso02 61 | 545002 | 12 | 897536 | 700000 | ~~ gsaar7 62 | 533377] 12 | s2e071 | 1700000 | eatese | 63 | s2i63s [12 | siaaoe 1700.00 5.09,783 64 509,783 | 12 5028.00 17000.00 497,811 65_| “4971 | 12 | 490092] 1700000} aes rar 66 [485.7112 | 479067 | 1700000} arse [67 |" 473511 [12 | ae7028 | ~a700000 fasta 68_| aise [12 | 454864 | 1700000} ase 7so | 69 4,48,730. 12 4425.83 17000.00 436,156 70 436,156 12 4301.81 17000.00 423458 | (2 | 4e3ase [a2 | ai76s7 1700.00 | 4,10,635 ("| 110.635 [12 | “405009” | 1700000} ao 7en6 Page 12 of 1573 3922.37 | 1700000 384,607 mM 3793.38 | 1700.00 3.71.40 75 3663.13 | 1700000 358,064 76 3531.59, 1700.00, 344,595" 77 3398.75 1700.00 330994 | 78 3264.60 17000.00 317,258 2 3129.12 17000.00 3,03,388 80 2992.32 1700.00 289,380 Bt 2as416 | 1700.00 275,234 #2 264 1700.00 2,60,949 83 573.74 1700.00 AO S22 u 2431.45 17000.00 231,954 85 2287.76 1700.00 27,242 86 2142.66 £700.00 202,384 87 1996.12 1700.00 1,87,380 88 1848.14 17000.00 1,72,228 89 1698.69, 1700.00 1,506,927 90. 1547.78 17000.00 LaLAa75 OL 1395.37 1700.00 125,870 92, 124146 1700.00, 110,112 98 1086.04 1700.00 94,198 4 929.08 1700.00 78,127 5 770.87 1700.00 61,898 96. 610.50 | 1700.00 45,508 7 448.85 17000.00 28,957 98 285.60 1700.00 12,243 oo 12075 1263.29, 0 ‘| 3 4 js 7 | 8 INTEREST |1,19,003,72 74051] 8412138) 69,197.47] $2,280.67] 3341691) 11,982.81 PRINCIPAL 1,06,559.49 | 119,878.62 | 134,862.53 170,683.09) 1,87,380.48 2,04,000.00 | 2,04,000,00 | 2,04,000.00 | 2,04,000.00 | 2,04,000.00) 1,99,36329, Page 13 of 1519. IN EXP) RE OF THE PR (Amount in lakhs) 4 5 6 | 7 8 ] 10.50] 12.00 0 Particulars 1 2 ale of Milk 11.25 | 12.00 12.00 | 11.25 | 12.00 | 92.25 ale of Gunny bags 0.06 0.06| 0.06, _0.06| 0.06) 0.06| 0.46 | Total Income _ 12.06 | 11.31 10.56 12.06 12.06 / 11.31! 12.06 | 92.71 Cost of feeding during lactation 2s9| 243) 2.27| 250/259] 243 259) 19.93 * ‘ost of feeding during dry period 027| 0.72) 081) 090] 0.72] 0.72| 0.81] 0.72) 5.67 Veterinary aid and breeding charges | 0.30) 0.30| 030/030, 030) 0.30) 030| 030 2.40 Insurance charges 043/043) 043| 043) 043 0.43[ 043) 0.43) 3.42 | Labour charges 0.96 0.96| 0.96) 0.96| 0.96) 0.96 0.96| 0.96 | 7.68 Electricity and miscellaneous charges! 0.36 0.36| 036] 036) 0.36, 0.36) 036, 0.36 | 288 (Cost of fodder cultivation _ 0.19 0.19 0.19 0.19} 0.19 0.19 0.19 0.19 1.54 | Total Cost 4.94 5.55 5.48 | 5.41 5.55 5.55 5.48 5.55 | 43.52 Surplus - | 6.36 6.51 5.83| 5.15] 6.51| 6.51 5.83) 6.51 | 49.20 10. BENEEIT TO COST RATIO: _ a (Amount in lakhs) | [S.No Pareuars — 1 | 2 3 4 5 6 7 | 8 | 1 Fapital Cost 12.00| 0.00, 0.00) 0.00] 0.00) 0.00! 0.00, 0.00, 12.00 | 2 Recurring Cost 4.94 5.55 5.48 5.41 | 5.55 5.55 5.48 5.55 | 43.52 3_|rotalCost 694) 5.55] 5.48| 541/555] 555/548] 5.55 | 55.52 4 Benefit 11.30, 12.06 11.31 10.56 12.06 12.06 11.31 12.06 | 92.71 | ("5 _ Net Benefit - -564|. 651] 583/515] 651) 651] _583| 651] 37.20 [6 Discounting factor @ 15% 0.870 0.756| 0.658 | 0572) 0.497! 0.432) 0.376| 0.327 4.487 7 PV of total costs @15% [1473 360} 309/ 276| 240/206; 1.81] 34.66 8 PV oftotal benefits @15% 982] 9.12) 744/604] 600) 5.21] 4.25| 3.04] s1.82 | 9 _|PV of Net Benefit 4.92 3.83 2.94 3.24 2.81 2.19 2.13 17.16 (10 [Benefit to Cost Ratio 0.67 2.17 2.06 1.95 2.17) 2.17 | 2.06 247 1.50 Page 14 of 15STJO SI aBeg (8)/(z) “21 e105 yaq/(sasuadxg - anuanoy) AISTIBN (8)/(4) “21 aortas rqaq / antony IDSOSSOIH 4S dBe.taay 19; | lezz love — i jezz love lowz lore wz oe - “(e/wSaIweN 6 Lear |oet |eoz [voz 607 lvoe (9+2) ediunig+ sary g | ote |1s9 ees ‘/Ts9 srs [ees a sniding tay pasos los tas [tet lest zt Lor ___WawiXedoy jedouirg enuuy) 9 jets [6e9 fase” tees - s8h ee $ [1ez6 [sor fiete [ovat fost | tett | 9oet — auioouy sso) 9 i's (tes [409 [ero isz9 sro. ___ (eT sastadva mor, ies [2r0 eso zs0 foo fe80 a0 Fa HUT Orsaigyjenuuyz ess | so ars [sss [ess lys [ars Sosuodxg StrecimzayR eudey) 1 TIO, (HPOK UAB AeA MAL [19K UN |AWOA HIS AOA YIP WWAA PAE _aeinanueg [ons (Sipre| drqunowy)