MODEL-DPR-MERGED Test
MODEL-DPR-MERGED Test
MODEL-DPR-MERGED Test
for
---------------Custom Hiring Center.”
Prepared by :
Name &Address
PROJECT ON:-
Establishment of----------Custom Hiring Center
And
Under Sub-Mission on Agriculture Mechanization (SMAM)
Name of Promoters
Year 2022-23
Project at a Glance
Establishment of Custom Hiring
1 Name of Project
Center
3 Address
4 Aadhar Card -
5 Mobile No
Prepared by :
Name &Address
Brief Profile
Introduction:
Indian agriculture is under going a gradual shift from dependence on human power
and animal power to mechanical power because increasing keep for upkeep of animal and
growing scarcity of human labour . Further use of mechanical power has a direct bearing
on the productivity of a crop apart from reducing the drudgery and facilitating
timelessness of agriculture operations .Thus there is a strong need for taking farm
Promoters:
Objective:
To make available various farm machinery / equipment to small andmarginal.
Farmers To offset the adverse economies of scale due to high cost of
individual ownership.
To provide hiring services for various high value crop specific machinesapplied for
different operations.
Scheme :
Scheme Declared on ------------notification no----------------by Ministry of
Agriculture.
Period of Loan :
Loan Period will not be less than 4 years (Lock In Period) and maximum 9
Years. Before closing of loan from 4 year he is not eligible for Subsidy. and
Maximum Moratorium Period 6 Months.
Margin Money
S.no Cost of Project Margin Money Eligible Subsidy
1 Up to 18 Lacs 20 % of Cost of 40% of cost of Project
Project maximum Rs. 7.20 Lacs
Land Owned
TOTAL 2485447
MEANS OF FINANCE
3 Grant
TOTAL 2485447
Hydraulic 2
Hydraulic Reversible Bottom / Gore Traders &
3 Plough Solanki Loha Udhyog Solanki Machinery 1 75040
VKY-
RT748 /
Vasundhara Krishi Vasundhara
Yantra Krishi Yantra Gore Traders &
4 Rotavator Machinery 1 115000
Rigid Tyne (
9 Tynes) / Gore Traders &
5 Caltivator Solanki Loha Udhyog Solanki Machinery 1 30240
9 Tynes,
Seed cum fertilizer Riyer/Front
Drill/Zero Til Seed wheel / Gore Traders &
6 Cum Fertilizer Drill Solanki Loha Udhyog Solanki Machinery 2 91840
Three Fan
Tractor Operated Multicrop
Multycrop /Excel Vikash Engineering Thresher / Gore Traders &
7 Peddyflow Thresher Works VEW Machinery 1 355000
S.
No Particular 2022 2023 2024 2025 2026 2027 2028
Total Harvesting Running Hours 2160 2295 2430 2565 2700 2700 2700
Fual Consumption Per Ltr per Hour (Average) 4.50 4.50 4.50 4.50 4.50 4.50 4.50
Fual Consumtion Expenses 894240 950130 1006020 1061910 1117800 1117800 1117800
Details of Maintenance Cost
Total Cost of Tractor 173119 147151 125078 106316 903692 768138 652917
1 2 5 7
Average Maintenance for Tractor 5 % of Cost 5 5 5 5 5 5 5
(Average)
Expenses for Tractor Maintenance (A) 86560 73576 62539 53158 45185 38407 32646
Total Cost of Implements 754256 641118 544950 463207 393726 334667 284467
Total Maintenances Cost (A+B) 124272 105632 89787 76319 64871 55140 46869
No of Driver 1 1 1 1 1 1 1
No of Helper Driver/Supporter 1 1 1 1 1 1 1
Salary Per Months of Driver 10000 11000 12100 13310 14641 14641 14641
Salary Per Months of Helper Driver 9000 9900 10890 11979 13177 13177 13177
No of Months Working (Average) 8 8 8 8 8 8 8
Total Salary & Manpower Expenses 152000 167200 183920 202312 222543 222543 222543
PROJECTED BALANCE SHEET
SECURED LOANS
TERM LOAN 1597800 1331600 1065400 799200 533000 266800 0
Term Loan (SUBSIDY 40%) 0 0 0 0 0
TOTAL :- 2232345 2089060 1959691 1834287 1704488 1599119 1512472
I II III IV V VI VII
SUNDRY ASSETS (Esti) (Proj) (Proj) (Proj) (Proj) (Proj) (Proj)
FIXED ASSETS
GROSS BLOCK 0 2485447 2485447 2485447 2485447 2485447 2485447
ADDITION IN FIXED ASSETS 2485447 0 0 0 0 0 0
LESS: DISPOSAL 0 0 0 0 0 0 0
LESS: DEPRECIATION 372817 689712 959073 1188029 1382642 1548063 1688671
NET BLOCK 2112630 1795735 1526374 1297418 1102805 937384 796776
CURRENT ASSETS
DEPOSIT OF SUBSIDY 40% 0 0 0 0 0 0 0
CASH & BANK BALANCE 119715 293325 433317 536869 601683 661735 715696
TOTAL CURRENT ASSETS 119715 293325 433317 536869 601683 661735 715696
TOTAL :- 2232345 2089060 1959691 1834287 1704488 1599119 1512472
I II III IV V VI VII
PARTICULARS Pre- (Esti) (Proj) (Proj) (Proj) (Proj) (Proj) (Proj)
Oper.
SOURCES OF FUNDS
NET PROFIT 313098 472915 586831 690796 786401 835831 880153
DEPRECIATION 372817 316895 269361 228956 194613 165421 140608
INCREASE IN CAPITAL 6214 0 0 0 0 0 0
47
INCREASE IN CURRENT LIABILITY 2662 0 0 0 0
00
INCREASE IN TERM LOAN 15978 0 0 0 0 0 0
00
INCREASE IN SUBSIDY 0 0 0 0 0 0 0
TOTAL:- 24854 685915 789810 856192 919752 981014 1001252 1020761
47
DISPOSITION OF FUNDS
I II III IV V VI VII
PARTICULARS
(Esti) (Proj) (Proj) (Proj) (Proj) (Proj) (Proj)
REVENUE PER MONTH 178000 189125 200250 211375 222500 222500 222500
CONSUMTION PER MONTH 74520 79178 83835 88493 93150 93150 93150
TANGIBLE NET WORTH 634545 757460 894291 1035087 1171488 1332319 1512472
B. VARIABLE EXPENSES
Salary & Wages 152000 167200 183920 202312 222543 222543 222543
Repairs & Maintenance 124272 105632 89787 76319 64871 55140 46869
Other Direct Expenses 124272 105632 89787 76319 64871 55140 46869
SUB TOTAL(B) 1294785 1328593 1369514 1416859 1470085 1450624 1434082
C . CONTRIBUTION 841215 940907 1033487 1119641 1199915 1219376 1235918
Interest on Term loan 148290 126328 104367 82405 60444 38482 16521
Depreciation & amortization of prel. 372817 316895 269361 228956 194613 165421 140608
exps.
SUB TOTAL(D) 521107 443223 373728 311361 255057 203903 157129
Check Point - - - - - - -
Net Profit after Tax 313098 4,72,915 586831 690796 786401 835831 880153
Installment of Term Loan 266200 266200 266200 266200 266200 266200 266800
GROSS D.S.C.R. (A/B) 2.01 2.33 2.59 2.87 3.19 3.41 3.66
I II III IV V VI VII
Particulars (Esti) (Proj) (Proj) (Proj) (Proj) (Proj) (Proj)
3 1
CASH BEP AT INSTALLED CAPACITY 18 13 10 7 5
FORM VI
CASH FLOW STATEMENT
NAME OF THE UNIT
YEAR I II III IV V VI VII
STATUS (Esti) (Proj) (Proj) (Proj) (Proj) (Proj) (Proj)
I II III IV V V V
SOURCES OF FUNDS
NET PROFIT BEFORE TAXES 3,13,098 4,72,915 5,86,831 6,90,796 7,86,401 8,35,831 8,80,153
DEPRECIATION 3,72,817 3,16,895 2,69,361 2,28,956 1,94,613 1,65,421 1,40,608
INCREASE IN CAPITAL 6,21,447 - - - - - -
INCREASE IN CURRRENT LIAB. 2,66,200 - - - - - -
INCREASE IN TERM BORROWINGS 13,31,600 - - - - - -
INCREASE IN -
BORROWINGS(SUBSIDY)
INCREASE IN BANK BORROWINGS - - - - - - -
(FOR WORKING CAPITAL)
INCRESE IN UNSECURED LOAN - - - - - -
DECREASE IN CURRENT ASSETS - - - - - - -
TOTAL:- 29,05,162 7,89,810 8,56,192 9,19,752 9,81,014 10,01,252 10,20,761
DISPOSITION OF FUNDS
INVESTMENT IN FIXED ASSETS 24,85,447 - - - - - -
DECREASE IN BANK BORROWING - - - - - - -
INCREASE IN SUBSIDY RECEIVABLE - - - - -
DECREASE IN CURRENT LIB. - - - - - - -
REPAYMENT OF TERM LOAN - 2,66,200 2,66,200 2,66,200 2,66,200 2,66,200 2,66,800
- - -
(Ministry of------------------------------------------)
Prepared by
Name &Address
Contact Details
TABLE OF CONTENTS
LIST OF FIGURES
Desiccated coconut is coconut meat that is flaked and dried and is available in unsweetened and
sweetened forms. It is an easy topping for a variety of dishes ranging from desserts and cereals to
Asian curries for a flavorful addition that also contains a nutritional value.
Desiccated coconut has traditionally been used in a lot Asian dishes as toppings and ingredients in
curries, cooked cereal and baked food. Europe is the largest importer for desiccated coconut. In
Western Europe, Belgium is the major consumer for desiccated coconut followed by Germany,
Netherlands and U.K. In North American region U.S. accounts for most of desiccated coconut.
European market for desiccated coconut is expected to show considerably high growth. In Asia-Pacific
region India, Singapore are the major consumers for desiccated coconuts.
The meat is shredded or disintegrated and dried in hot air driers at 140-170oF to 2 per cent moisture
content (fat 65-68 % and Solids nonfat 30-32%) and used in the manufacture of cakes, pastries and
chocolates. Desiccated coconut is the disintegrated, white kernel of coconut processed under strict
hygienic conditions and dried to a moisture content of below 3.0 per cent. It is a food product which is
ready and fit for direct human consumption.
TABLE 1
PROJECT AT GLANCE
1 Name of the proposed project Coconut Processing Unit
2 Name of the entrepreneur/FPO/SHG/ Cooperative ---------------------
3 Nature of proposed project
4 Registered office
5 Project site/location
6 Names of Partner (if partnership)
7 No of shareholders (if company/FPC)
8 Technical advisor
9 Marketing advisor/partners
10 Proposed project capacity 375 Kg/day (60, 70 & 80%
capacity utilization in the 2nd,
3rd and 4th years’ onwards
respectively)
11 Raw materials Coconut Processing Unit
12 Major product outputs Desiccated coconut
13 Total project cost : Rs. 19.37 Lakhs
· Land development, building & civil : construction Rs.3.50 Lakh
· Machinery and Equipment’s : (Lakhs) Rs .10.25 Lakh
· Utilities (Power & water facilities) : (Lakhs) Rs. 0.8 Lakh
· Miscellaneous fixed assets : (Lakhs) Rs. 0.8 Lakh
· Pre-operative expenses : (Lakhs) Rs. 1.00 Lakh
· Contingencies : (Lakhs) Rs. 2.00 Lakh
· Working capital margin : (Lakhs) Rs. 1.02 Lakh
14 Working capital requirement
· 2nd year (Lakhs) Rs. 2.54 Lakh
· 3rd year (Lakhs) Rs. 3.02 Lakh
· 4th year (Lakhs) Rs. 3.49 Lakh
15 Means of Finance
· Subsidy grant by (max 10 lakhs) : : Rs. 10.00 Lakhs
· Promoter’s contribution (min 20%) Rs. 3.87 Lakhs
· Term loan (45%) : Rs. 5.49 Lakhs
16 Debt-equity ratio 0.73
17 Profit after Depreciation, Interest & Tax
· 2nd year (Lakhs) Rs. 4.99 Lakh
· 3nd year (Lakhs) Rs. 2.37 Lakh
· 4nd year (Lakhs) Rs. 3.54 Lakh
18 Average DSCR 2.03
19 Benefit-Cost Ratio 1.04
20 Term loan repayment 7 Years with 1year grace
period
21 Payback period for investment 4years
2 OBJECTIVE OF THE PROJECT
The Prime Objective of the Report is to present a Viable Bankable Model of “Desiccated Coconut
Manufacturing Unit” through adoption of appropriate technology, utilization of resources, quality
production and suitable market strategy.
Some important objectives behind setup of “Desiccate Coconut Processing Unit” are:
The prime objective is to setup this unit is to produce & make available quality product in most
hygienic conditions with good packaging, untouched & with very less human interference during
entire operations till market.
To produce & market safe, quality-assured products with highest nutrient value than existing one.
Empowering the lifestyle of promoter by adopting proper techniques in production and marketing of
final product.
Proper utilization of land, water, labor & other resources for better plant economics.
TABLE 2
PROJECT DESCRIPTION
PARTICULARS DESCRIPTION
4.1 INTRODUCTION
The coconut palm (Cocos nucifera) serves a multifunctional role in the Caribbean region where it is
commonly grown. Small-scale production of products from the coconut palm makes an important
contribution to food security. At the industrial level, the coconut industry is an important source of
employment and income in rural communities. The coconut produces a variety of products which are
consumed in the region and internationally. These include fresh green and dry nuts, copra, coconut oil
and coconut water among others. Coconut oil is consumed as food while a significant amount goes into
the oleo-chemical industry. It is also used in food preparation. Additionally, the shell is used for various
fibres, charcoal, and other products not yet fully commercialized. There is potential for supplies to both
the regional and export markets in the USA, Canada, and European Union markets which are major
destinations for coconut oil and coconut products. Principal among these is the suspected adverse
health and nutrition effects on humans but studies, such as that conducted by Spade and Dietchy
(1988), have shown that coconut oil prevents the formation of hepatic cholesterol esters. In addition to
this, the lauric acid found in coconut oil provides the disease-fighting fatty acid monolaurin which boosts
the immune system. The bottling and storage of coconut water for extended shelf life and improved
marketability is still posing a serious challenge to packers. Research & Development could also improve
the yield and profitability of coconut intended for the bottled water market or coconut intended for other
uses such as oils or fibres.
The origin of coconut palm is the subject of controversy. Indian mythology credits the creation of palm
with its crown of leafy fronds to the sage Vishwamitra, to prop up his friend King Trishanku when the
latter was literally thrown out of heaven by Indra for his misdeeds. In Vadakurungaduthurai, Lord
Kulavanangeesar is believed to have taken the form of a coconut tree to help quench the thirst of a
pregnant woman. In Kerala, Goddess Bhagavati is believed to be the soul of the coconut tree. One of
the Goddess’s common epithets is Kurumba which means ‘tender coconut’. Folktales of all other areas
narrate that coconut originated from head of a dead man or from a dead eel.
Coconut is grown in a large area in India in an area of more than 21 Lakh Hectares. Tamil Nadu, Kerala,
Karnataka and Andhra Pradesh are the leading coconut producing states in India and these states
account for more than 90 per cent of the total coconut produced in the country. Productivity increased
to 11516 fruits per hectare in 2017-18 as compared to 10122 in 2013-14. Between 2014 and 2018,
13,117 hectares were brought under new plantation as compared to 9,561 hectares during 2010-2014.
Due to this increase in production of coconut, India has been exporting coconut oil to Malaysia,
Indonesia and Sri Lanka since April 2017. Till March 2017, India was importing Coconut oil.
TABLE 3
ALL INDIA AREA PRODUCTION AND PRODUCTIVITY OF COCONUT
Sr. No States AREA Production Productivity
(In HA) (Million nuts) (Nuts/ha)
1 Kerala 770.62 7429.39 9641
2 Tamil Nadu 459.74 6171.06 13423
3 Karnataka 526.38 5128.84 9744
4 Andhra Pradesh 103.95 1427.46 13732
5 West Bengal 29.51 373.58 12658
6 Odisha 50.91 328.38 6451
7 Gujrat 22.81 312.68 13706
8 Maharashtra 22.75 271.24 9775
9 Bihar 14.9 141.38 9489
10 Assam 19.73 132.59 6720
11 Chhattisgarh 1.85 30.54 16508
12 Tripura 7.2 29.51 4097
13 Nagaland 0.33 2.67 8091
14 Other 52.8 388.13 7351
ALL INDIA 2083.48 22167.45 141386
Coconut is a tropical crop and is grown where temperature is 25° to 30°C and a fairly well distributed
annual rainfall of 125 to 130 cm. In a few places, especially in Orissa, coconut is grown with as little as
100 cm annual rainfall.
Frost and drought are very harmful to coconut. It is predominantly grown under rainfed condition in
Kerala and parts of coastal Karnataka and Tamil Nadu. In rest of the country it is mainly grown under
irrigated conditions. Well drained rich loamy soils are best suited for its cultivation. It grows well on
sandy loams along sea-coasts and in adjoining river valleys.
Saplings of coconut palm are first raised in nurseries and after one year these are transplanted in the
garden. The tree starts bearing fruits after 6-7 years and continues to yield harvest for 60-80 years. For
better yield the land has to be ploughed or hoed once or twice in a year. Tender nuts are plucked up
for juice after 6 or 7 months while ripen nuts are harvested after 11 months for copra and oil. Gener-ally
one thousand nuts produce about 150 kg of copra.
The coconut palm is found to grow under varying climatic and soil conditions. It is essentially a tropical
plant, growing most!y between 20° N and 20° S latitudes. The ideal temperature for coconut growth
and yield is 27 ± 5° C and humidity > 60 per cent. The coconut palm grows well upto an elevation of
600 m above MSL. However, near the equator, productive coconut plantations can be established up
to an elevation of about 1000 m above MSL. The palms tolerate wide range in intensity and distribution
of rainfall. However, a well distributed rainfall of about 200 cm per year is the best for proper growth
and higher yield. In areas of inadequate rainfall with uneven distribution, irrigation is required.
Post-Harvest Management: -
Coconuts are harvested at different stages of maturity for specific uses. For tender nut purpose,
harvesting is done when the nuts are six to eight months old. For snowball tender nut and coconut chips
purpose, eight to nine and nine to ten month old nuts are harvested respectively. For the production of
copra and other kernel based products, only fully mature coconuts are harvested. The nuts reach full
maturity in 11 to 12 months after the inflorescence is opened. At this stage, the output of copra and oil
as well as brown fibre would be the maximum. In a study in India, it was found that compared to 12
month old nuts, the copra yield was less to the extent of six percent in 11 month old nuts, 16 percent in
10 month old nuts and 33 percent in nine month old nuts. The corresponding reduction in the percentage
of oil was found to be five, 15 and 33 percent respectively. In places where green husks are in demand
for the production of white fibre, the usual practice is to harvest 11 month old nuts. The slightly low
copra output at this stage would, however, be compensated by the additional income derived from the
fibre and its products.
Though the coconut palm produces an average of 12 inflorescences in one year, some of the
inflorescences are likely to abort or may fail to develop into fruit bunches due to environmental factors.
Consequently, the number of bunches available for harvest is less than12 in many areas. Similarly, the
frequency of harvest also varies from country to country and also within the countries. In many areas,
six to twelve harvests per year are the usual practice. In the properly managed gardens, harvest at
monthly intervals is usually adopted. In the neglected gardens, bunches are not produced regularly and,
as such, not more than six harvests are possible in a year. In most of the coconut growing countries,
harvesting is done at bimonthly intervals and only fully mature nuts of 12 months or above are
harvested.
There exists a huge scope for coconut based agri-business in India in order to increase the present 8%
level of value addition to 25%, thereby value added products becoming a deciding factor in the price
movement of coconut to ensure fair, reasonable and steady price to coconut farmers. Foreseeing the
imperativeness of high value coconut sector, ICAR CPCRI has developed complete package of
practices for the production of virgin coconut oil (hot and fermentation process), coconut chips, coconut
honey, jaggery and sugar. The Institute has also developed a technology for collecting coconut
inflorescence sap by using a device. The sap thus collected is called Kalparasa. Kalparasa can be
preserved up to 45 days under cold condition (in refrigerator) without adding any preservatives and
additives with the bottling technology. It has been demonstrated that a farmer tapping 15 coconut palms
for Kalparasa could earn on an average Rs. 45,000 a month, while a tapper can earn about Rs. 20,000
per month. For sustaining the value added coconut sector, Women Self Help Groups were formed and
equipped with technical know-how and smooth functioning of the coconut value chain was ensured
through continuous supply of value added products to the downstream part of the chain. An activated
carbon plant was designed for the production of pollution free coconut shell charcoal for community
level processing at small scale level. With regard to the commercialization of technologies Institute had
successfully developed market for the value added products through well-established link with the retail
distributor. Moreover, the marketing functionary was made a part of the value chain through appropriate
integration techniques adopted and there by ensured the efficient functioning of the chain.
5 MODEL DESICCATED COCONUT PROCESSING UNDER FME SCHEME
The coconut processing unit is being installed by M/s. -------------, a Partnership Firm, is located at------------------
-------------------------..Currently factory construction is completed. P&M is been procured and installed in the
factory. Actualproduction is commenced from January 2020. All expenses is been made through own
sourced andcredit availed from vendors.
ABOUT PROMOTERS
Name &details
---------------------------e is ---------------- by qualification & having the wide experience in this line of business
from ancient business of his father. He is having social contacts which will have an additional edge over the
others & will be helpful for the project to get the required raw material from around thearea. He is managing
said business and holding 30% shareholding.
Name &details
------------------------ graduate in Art & having the wide social contacts which will have an additional edge over
the others & will be helpful for the project to get the required raw materialfrom around the area. She is
70% shareholder in the said partnership firm.
The maximum installed capacity of the manufacturing unit in the present model project is proposed as
375 kg/day Desiccated coconut. The unit is assumed to operate 300 days/annum @ 8-10 hrs/day.
The 1st year is assumed to be construction/expansion period of the project; and in the 2nd year 60
percent capacity, 3rd year 70 percent capacity and 4th year onwards 80 percent capacity utilization is
assumedin this model project.
A sustainable food processing unit must ensure maximum capacity utilization and thus requires an
operation of minimum 300 days per year to get reasonable profit. Therefore, ensuring uninterrupted raw
materials supply requires maintenance of adequate raw material inventory. The processor must have
linkage with producer organizations preferably FPCs through legal contract to get adequate quantity
and quality of raw materials which otherwise get spoiled.
Desiccated Coconut
Desiccated coconut, the edible dried-out shredded coconut meat is prepared from fresh kernel of fully
matured coconut and it is available in coarse, medium and fine grades and also in special grades such
as threads, strips, granules etc. Good desiccated coconut is crisp, snow white in colour with a sweet,
pleasant and fresh taste of coconut kernel. Desiccated coconut, a commercial product was
manufactured from the white part of the meat after removing the brown parings. The meat is shredded
or disintegrated and dried in hot air driers at 140-170oF to 2 per cent moisture content (fat 65-68 % and
Solids nonfat 30-32%) and used in the manufacture of cakes, pastries and chocolates. Desiccated
coconut is the disintegrated, white kernel of coconut processed under strict hygienic conditions and
dried to a moisture content of below 3.0 per cent. It is a food product which is ready and fit for direct
human consumption.
FIGURE 1 DESICCATED COCONUT PRCOESS FLOWCHART
Dehiscing
Blanching
Disintegrating
Drying
Cooling
Grading
Packaging
Harvesting
The stage of maturity of harvest of coconuts for Desiccated Coconut production is very crucial. The
quality of desiccated coconut depends upon the quality of coconuts used. Fully matured coconuts of
about 11-12 months are used for the preparation of desiccated coconut. Immature nuts tend to produce
rubbery kernel. Foul smelling nuts should not be selected.
Ground storage
Ground storage of coconuts should be done for a month period. During this process, the coconut water
gets absorbed and the kernel grows thicker and harder thus producing a more suitable material for
desiccated coconut production. The coconuts are then de-husked.
De-husking
The de-husked coconut undergoes dehiscing. Dehiscing process involves the following steps
Deshelling without breaking the kernel - the outer shell is removed. This is done manually or
mechanically.
Paring - removing the brown testa. This is done by scraping it off manually using paring knives.
Almost 15% of the kernels is lost as paring during this process. Mechanical paring can also be
employed.
Washing the kernels to remove any remaining testa particles adhering to the surface of the
kernel. This should be done using clean potable water.
Slicing the pared kernel into two halves to release the coconut water.
Blanching
The kernels are immersed in boiling water for 8-10 minutes in a blanching tank. Alternatively passing
live steam at 88°C through the kernels for 5 minutes can also be done for blanching of the kernels.
Blanching kills fungus and viruses. Blanching is a crucial step to make good quality desiccated coconut
powder.
Disintegrating
The blanched coconuts are shredded into small pieces. This is done using a disintegrator, which is an
impact pulverize with hammer heads. The hammer heads crush and grind the coconut meat to
powdered form.
Disintegrator is capable of producing different sizes from 1mm to 5mm continuously. Different shapes
and fancy cuts are also done.
Drying
The granules are then dried in a drier; the temperature in the drying chamber is maintained at about
80-90°C for 40-45 minutes. The maximum moisture content of the end product should be 3%; only at
this moisture content, the product will have an increased shelf life. The following types of dryers can be
employed.
Tray dryer
The granules are spread out uniformly in trays. The granules are stirred occasionally during the
process to ensure uniform drying. During this process the trays are moved twice and the content
raked over in order to ensure uniform drying and to break up any lumps that might have formed.
Rotary dryer
The arrangement consists of a cylindrical rotating drum into which the coconut powder is fed
using a hopper.
The dried product is allowed to cool to ambient temperature on stainless steel tables, and then sifted
into coarse, medium, fine (macaroon) and extra fine grades. Grading happens in a vibratory screen with
different screens such as 12, 14 and 16 mesh. The graded desiccated coconut goes to packing. In fully
mechanized plants, the cooling system is integrated into the drying system.
Packaging
The desiccated coconut is packed semi-automatically for bulk packages and automatic form fill seal
machines for retail packages.
Coconut plays a very significant role in the economy of India. India is the leading coconut producer in
the world (31%) with a production of 20440 million nuts from an area of 1975 thousand hectares. The
productivity of India is the highest (10614 nuts/ha) among major coconut producing countries in the
world. The present production of arecanut in the world is about 1.13 million tonnes from an area of 0.91
million ha. India ranks first in both area and production of the crop. The overall average yield per hectare
has improved from 843 kg/ha during 1971 to 1558 kg/ha by the year 2016. Average yield of newly
released coconut varieties is around 120 nuts/ palm/ year which is double the national average of 60
nuts/ palm/ year. By adopting the new varieties, the existing crop productivity levels can be enhanced
to the tune of 100% in terms of nut/copra yield. In terms of Gross Value Output, coconut contributes
Rs. 95000 million to the national income. Coconut industry provides livelihood to about twelve million
people in India. Coconut tree is called as "Kalpa Vriksha" which essentially means that all parts of a
coconut tree is useful in one way or the other. Coconut palms have many uses; their leaves are used
for thatching traditional houses, making sheds, baskets, and the husk for making coir and other coir
products. The shell is used for making charcoal and activated carbon, ladles and spoons, and fruits for
making copra and coconut oil and other value added products. Coconut is a staple ingredient in
traditional cuisines of many states. Technology for collection of fresh, hygienic and unfermented
coconut inflorescence sap (Kalparasa) has been developed. Other value added products like coconut
sugar, virgin coconut oil, coconut chips, dark chocolate, drinking chocolate, frozen delicacy etc. and
their adoption has improved the income of farmers and also generated employment in coconut sector..
The increasing urbanization and income offers huge scope for marketing of Coconut based products.
Urban organized platforms such as departmental stores, malls, super markets can be attractive
platforms to sell well packaged and branded Coconut based products.
This model DPR for Desiccated Coconut Manufacturing unit unit is basically prepared as a template
based on certain assumptions that may vary with capacity, location, raw materials availability etc. An
entrepreneur can use this model DPR format and modify as per requirement and suitability.The
assumptions made in preparation of this particular DPR are given in This DPR assumes expansion of
existing Coconut processing unit by adding Desiccated Coconut manufacturing line. Therefore, land
and civil infrastructures are assumed as already available with the entrepreneurs.
Herewith in this DPR, we have considered the assumptions as listed below in the tables of
different costs, which may vary as per region, seasons and machinery designs and supplier.
TABLE 5
PROJECT DETAILS
TABLE 6
FIXED CAPITAL INVESTMENT
Sr. Particulars Size/ Quantit Tota Unit Amount
No Dimensions y (No) l Cost (Rs) Amoun
. / Area (Rs) t
Specificatio (Sq (Lakh)
n ft)
A Capital Investment 1 Plot 3.50
3,50,000
Capital Investment 3,50,000
3.50
B Machinery & Equipment’s
1 Cabinet type hot air drier 1 19000 1,90,000 1.90
with blower, motor and 0
other accessories
2 Disintegrator 1 10500 1,05,000 1.05
0
3 Vibratory sifting machine 1 50,000 50,000 0.50
4 Platform weighing 1 20000 20,000 0.20
balance
5 Packaging Machinery 2000 pack/ 1 65000 6,50,000 6.50
hr 0
6 Miscellaneous 1 10000 10,000 0.10
Machinery & 10,25,000 10.25
Equipment’s
C Other Costs
C1 Utilities & Fittings
1 Water 0.80
2 Power 80,000
Total
80,000 0.80
Other Fixed Assets
C2
1 Furniture & Fixtures
2 Electrical Fittings 80,000 0.80
Total
80,000 0.80
C3 Pre-operative
Expenses
1 Legal Expenses, Start -
up Expenses,
Establishment Cost,
Consultancy fees, Trials 1,00,000 1.00
and others
2 Plastic Tray Capacity
3 Electrical Fittings
Total 1.00
1,00,000
C4 Contingency 2.00
2,00,000
Total 2.00
2,00,000
C Total Cost
(C1+C2+C3+C4) 4,60,000 4.60
II Total Cost
18,35,000 18.35
TABLE 7
WORKING CAPITAL REQUIRMENTS
Sr. No. Description Unit Total Total Total
Quantity Rate/ Kg Cost Cost (Rs) Cost
(Rs) /Day / Month (Rs) /
Year
1 Coconut With husk 1500 10 15,000 3.75 37.50
2 Packaging Material (1 kg) 375 1.5 563 0.14 1.41
3 Labour 10 300/day 3,000 0.75 7.50
4 Supervisor / Manager 1 600/ day 600.00 0.15 1.50
5 Electricity 360 0.09 0.90
6 Transportation 500 0.13 1.25
7 Miscellaneous 300.00 0.08 0.75
Total Cost 20,322.50 5.08 50.81
Margin For Working 0.04 1.02 10
Capital 20%
TABLE 8 TOTAL PROJECT COST
Total
- 39.77 46.86 54.09 61.46 68.97
B.EXPENSE
S
Raw Material
- 22.50 26.78 30.90 35.10 39.38
Consumables
-
- - - - -
Packing cost
- 0.84 1.00 1.16 1.32 1.48
Transportatio
-
n cost 0.75 0.89 1.03 1.17 1.31
Direct
employee -
5.40 6.43 7.42 8.42 9.45
cost
Depreciation
- 2.35 2.04 1.77 1.53 1.33
Office Rent
Plant
Electricity -
0.54 0.64 0.74 0.84 0.95
Cost
Miscellaneou
-
s 0.45 0.54 0.62 0.70 0.79
Office
Expenses - 0.66 0.73 0.80 0.88 0.97
Telephonic
Expenses - 0.06 0.60 0.66 0.73 0.80
Indirect
Employee - 0.50 0.50 0.50 0.50 0.50
Repair &
Maintenance - 0.50 1.50 1.65 1.82 2.00
Audit,
Accounts &
- 0.44 0.44 0.48 0.53 0.59
Compliance
Insurance
0.5 1.5 1.5 1.5 1.5
Total Cost
- 35.49 43.58 49.22 55.04 61.03
Add :-
Opening
- 3.46 4.09 4.72 5.36
Stock
Less :-
Closing Stock - 3.46 4.09 4.72 5.36 6.02
Cost of
Sales - 32.03 42.95 48.59 54.40 60.37
GROSS
PROFIT - 7.74 3.91 5.50 7.06 8.60
- 19.45% 8.35% 10.16% 11.49% 12.47%
FINANCE
EXPENSES
Interest on
Term Loan 0.58 0.53 0.45 0.37 0.28 0.20
Interest On
CC 0.08 0.08 0.08 0.08 0.08
Total Interest
0.58 0.61 0.53 0.44 0.36 0.28
PROFIT
-
BEFORE
0.58 7.13 3.39 5.05 6.70 8.32
TAX
INCOME -
TAX (30%) 0.17 2.14 1.02 1.52 2.01 2.50
PROFIT -
AFTER TAX 0.40 4.99 2.37 3.54 4.69 5.82
Closing Bal.
3.50 3.15 2.84 2.55 2.30 2.07 1.86 1.67
YEAR
PARTICULAR
S
1st yr 2nd yr 3rd yr 4th yr 5th yr 6th yr 7th yr 8th yr
Plant &
Machinery
Opening Bal.
10.25 8.71 7.41 6.29 5.35 4.55 3.87
Additions
10.25
Less :-
Depreciation @ 1.54 1.31 1.11 0.94 0.80 0.68 0.58
15%
Closing Bal.
10.25 8.71 7.41 6.29 5.35 4.55 3.87 3.29
YEAR
PARTICULAR
S
1st yr 2nd yr 3rd yr 4th yr 5th yr 6th yr 7th yr 8th yr
Other
Required
Material &
Accessories
Opening Bal.
4.60 4.14 3.73 3.35 3.02 2.72 2.44
Additions
4.60
Less :-
Depreciation @ 0.46 0.41 0.37 0.34 0.30 0.27 0.14
10%
Closing Bal.
4.60 4.14 3.73 3.35 3.02 2.72 2.44 2.30
TOTAL -
DEPRECIATIO
N
YEAR
PARTICULAR
S
1st yr 2nd yr 3rd yr 4th yr 5th yr 6th yr 7th yr 8th yr
Land & -
Building 0.35 0.32 0.28 0.26 0.23 0.21 0.19
Structure
Plant & -
Machinery 1.54 1.31 1.11 0.94 0.80 0.68 0.58
-
-
Other -
Required 0.46 0.41 0.37 0.34 0.30 0.27 0.14
Material &
Accessories
TOTAL -
DEPRECIATIO 2.35 2.04 1.77 1.53 1.33 1.16 0.91
N
Total Variable -
Cost 29.49 35.10 40.50 46.01 51.61 51.61
Variable Cost Per -
Kg 52.43 53.48 54.01 54.53 55.06 55.06
Contribution -
10.28 11.76 13.59 15.45 17.36 18.05
Contribution per -
Unit 18.27 17.93 18.11 18.31 18.52 19.25
Contribution in % - 26% 25% 25% 25% 25% 26%
Margin Of Safty -
37.00 43.81 51.13 58.54 66.04 66.66
FIGURE 2
PIA CHART FOR BETTER UNDERSTANDING OF EXPENCES OF EACH
HEAD
Vibratory
sifting
machine
5%
Platform
Packaging weighing
Machinery balance
64% 2%
There are many machinery suppliers available within India for processing machineries and
equipment. Some of the suppliers are:
1.
2.
3. .
FIGURE 3
PLANT LAYOUT
PROJECT REPORT
FOR
ESTABLISHMENT
OF
PROCESSING UNITS
Under the Agriculture Infrastructure Fund Scheme
(Ministry of------------------------------------------)
AT -----------------
------
SUBMITTED BY
Name &Address
COCONUT PROCESSING MACHINE
Sl. No Particulars Page No
1 PROJECT AT A GLANCE
2 INTRODUCTION
4 DETAILS OF RAWMATERIAL
10 COMPUTATION OF DEPRECIATION
15 CALCULATION OF DSCR
ANNEXURE
BOARD OF DIRECTORS B
DETAILS OF STAFF C
ESTIMATE OF BUILDING D
FINANCIAL REQUIREMENT G
SOURCE OF FINANCE H
PROJECT AT A GLANCE
-------------------------------SERVICE CO-OPERATIVE
1 Name Of the Bank BANKLTD.No-------,
5 Project Cost
1,21,12,101.00
TOTAL
6 Means of Finance
TOTAL 1,21,12,101.00
7 Power
8 Employment 12 Nos
9 Marketing Area
14 DSCR 2.47
(1) To advance short term, medium term and long term loans to
members depending on their requirement
(2) To encourage thrift, self help and co operation among the
members and to formulate schemes to promote them
members.
Page 3
(18) To run consumer store for the supply of domestic items of daily
use
(19) To run chitties with the prior sanction of the Joint Registrar of Co
operative societies.
(20) To undertake various projects of government /quasi government
organizations with the sanction of the Registrar
(21) To formulate various schemes through center/state government
agencies for the benefit to the members.
(22) To open and operate branches in the area of operation of the
bank.
(23) To establish own medical store or act as franchise for the
distribution of medicines’
(24) To establish small processing units
The bank had its humble beginning with a share capital base of
Rs. 125/-contributed by the 30 farmer members. In order to fulfill the
desired objective of the founders, the bank had developed its activities
so as to create a respectable position in the minds of its members.
Needless to describe that the share capital of the bank as on 31-3-
2021 stood at 104.09lakhs contributed by 8662 members. The
Government participation in the share capital is to the tune of 23.54
lakhs. Details are furnished in Annexure-A
0.5 Management
0.6 Establishment
(Amount in lakhs)
For the proposed retail outlet the bank may require certain
furniture . It is estimated that Rs 1.50 lakh is required for the same.
Details are furnished in Annexure E
The bank intends to market the proceed coconut oil and honey in
attractive Pet bottles.
Page 11
For implementing the project, the bank may have to incur certain
preliminary and pre operative expenses such as security deposit to
KSEB for power allotment and other statutory levies. It is estimated
that Rs 7 lakhs is required for the same. Details are provided in
Annexure-F
Page 12
scheme
The Net Disposable Resources of the bank is positive and the bank
intends to mobilize its contribution to the proposed project from out of
its NDR, Details are furnished in Annexure- H
Page No
Conclusion
47,10,159.00
Page 17
TOTAL 57,01,759.00
20,000.00
Packing materials
TOTAL 20,68,750.00
i Supervisors 2 40,000.00
Total 12 1,45,000.00
ii Insurance 2,500.00
TOTAL 92,500.00
6 Working Capital
TOTAL 39,07,500.00
TOTAL 1,21,12,101.00
8 SOURCE OF FINANCE
TOTAL 1,21,12,101.00
TOTAL 24,47,869.85
Page 21
TOTAL 26,75,000.00
Total Term Loan Dues 13.515 13.515 13.515 13.515 13.515 13.515 10.981
Page 23
DEPRECIATION OF BUILDING
Year 1 2 3 4 5 6 7
TOTAL 41.60
B Variable Costs
TOTAL 299.26
C Contribution 70.56
Assets
Lakhs
Year Const period 1 2 3 4 5 6 7
Fixed assets 82.121 72.943 65.063 58.289 52.456 47.425 43.078 39.314
Stock in trade 0.000 62.063 67.524 72.791 78.323 83.531 88.794 94.122
Cash in hand/
Bank 39.000 58.191 79.581 102.460 123.711 146.548 170.292 193.522
TOTAL 121.121 193.197 212.169 233.540 254.490 277.504 302.164 326.957
Page 27
Cash - Flow Statement
Lakhs
Const. Period Ist Year IInd year IIIrd year IVth year Vth year VI th year VII th year
A-Source of Funds
Net profit before taxes with
1 interest added back Rs. - Rs. 26.20 Rs. 28.58 Rs. 31.07 Rs. 33.27 Rs. 35.54 Rs. 37.86 Rs. 39.88
2 Increase in share capital Rs. 27.71 Rs. - Rs. 1.10 Rs. 1.19 Rs. 1.29 Rs. 1.39 0.65 0.68
3 Increase in Term Loan Rs. 73.91 Rs. - Rs. - Rs. - Rs. - Rs. - Rs. - Rs. -
Increase in Working Capital
4 Loan Rs. 19.50 Rs. - Rs. - Rs. - Rs. - Rs. - Rs. - Rs. -
5 Depreciation Rs. - Rs. 8.55 Rs. 7.27 Rs. 6.18 Rs. 5.25 Rs. 4.46 Rs. 3.79 Rs. 3.22
TOTAL Rs. 121.12 Rs. 34.75 Rs. 36.95 Rs. 38.44 Rs. 39.81 Rs. 41.40 Rs. 42.30 Rs. 43.79
B - Deposition of Funds
Increase in Capital
1 Expenditure Rs. 82.12 Rs. - Rs. - Rs. - Rs. - Rs. - Rs. - Rs. -
2 Increase in current Assets Rs. - Rs. - Rs. - Rs. - Rs. - Rs. - Rs. -
3 Decrease in Term Loan Rs. - Rs. 10.56 Rs. 10.56 Rs. 10.56 Rs. 10.56 Rs. 10.56 Rs. 10.56 Rs. 10.56
Decrease in Working Capital
4 Loan Rs. - Rs. - Rs. - Rs. - Rs. - Rs. - Rs. - Rs. -
5 Taxation Rs. - Rs. - Rs. - Rs. - Rs. - Rs. - Rs. - Rs. -
6 Drawings Rs. - Rs. 5.00 Rs. 5.00 Rs. 5.00 Rs. 8.00 Rs. 8.00 Rs. 8.00 Rs. 10.00
TOTAL Rs. 82.12 Rs. 15.56 Rs. 15.56 Rs. 15.56 Rs. 18.56 Rs. 18.56 Rs. 18.56 Rs. 20.56
IN FLOW Ist Year IInd year IIIrd year IVth year Vth year VIth year VIIth year
OUT FLOW Ist Year IInd year IIIrd year IVth year Vth year VIth year VIIth year
SL NO. OF NO. OF
PARTICULARS AMOUNT
NO. MEMBERS SHARES
SL
NAME OF DIRECTORS DESIGNATION
NO.
1 PRESIDENT
2 VICE PRESIDENT
3 DIRECTOR
4 DIRECTOR
5 DIRECTOR
6 DIRECTOR
7 DIRECTOR
8 DIRECTOR
9 DIRECTOR
10 DIRECTOR
11 DIRECTOR
ANNEXURE - C
DETAILS OF STAFF AS ON 31-03-2021
SL
NAME DESIGNATION
NO.
1 SECRETARY
2 INTERNAL AUDITOR
3 SR. CLERK
4 JR. CLERK
5 JR. CLERK
6 ATTENDER
7 PHARMACIST
8 P T SWEEPER
9 COLLECTION AGENT
10 COLLECTION AGENT
k,Koratty P.O., Thrissur Dist., Kerala
State, South India. Pin-680309.
Manufacturers of Machines & Plants for Pharmaceutical, Food, Beverages, cosmetic & chemical applications since 2000.
GSTIN : 32ACZPJ8003F1ZL
Quote No: APE/QTN/21/11/1067
Page 1 3
Date: 11-11-2021
of
To
The Secretary,
Kerala-689 662
Sir,
SUB: Quotation for Semi-Automatic Two Head Volumetric Filling Machine (For Oil) with VFD
We thank you for your recent enquiry and have extreme pleasure in submitting our quotation
for your consideration.
We are confident that our offer is in line with your requirement and looking forward to receive
your valuable order.
We assure you our complete service and support all the time.
Regards
(Proprietor)
Regd office & works: Branch (CNC Tool Room):
XI/368, Near Apollo Tyres, III/644-C, Pratheeksha Building,
Perambra P.O., Thrissur Dist., Kinfra Park,Koratty P.O., Thrissur Dist.,
Kerala State, South India.Pin-680689. Kerala State, South India. Pin-680309.
Manufacturers of Machines & Plants for Pharmaceutical, Food, Beverages, cosmetic & chemical applications since 2000.
GSTIN : 32ACZPJ8003F1ZL
Quote No: APE/QTN/21/11/1067
Page 2 of 3
1. Semi-Automatic Two Head Volumetric Filling Machine (For Oil) with VFD
Mode of operation Semi-Automatic
No of Filling Head provisions 2 Nos
No of removable Syringes 2Nos of 1000ml each
available with Machine
Filling Accuracy ± 1ml
Material of Construction SS Grade: AISI 304 for SS contact parts
SS Grade: AISI 304 for other SS parts
Body: Rigid MS Structure frame fully cladded with SS304
sheet.
Machine Motor 0.5 HP
Speed controlled by VFD
Power Supply Single Phase, 220V, 50Hz AC Supply.
Basic Price Per Unit Rs. 1,20,000.00
Reqd. Qty 1 No
Taxable Amount Rs. 1,20,000.00
GST @ 18% Rs. 21,600.00
Total Price Including GST Rs. 1,41,600.00
of Machines &
etic & chemical
MODEL DPR FOR RIPENING CHAMBER
Banana and Mango
NAME--------------------
ADDRESS------------------------
Contact Details---------------
PREPARED BY
----------------------------------
CONTENTS
Executive Summary
1. Introduction
2. Project Planning
2.1 Planning of Ripening Activity for Fruits
2.2 Proposed Backward Linkages & Farm Based Activity for Project
2.3 Planning of Activity, Area & Equipment Requirements
2.4 Marketing & Forward Linkages for Project
2.5 Site Evaluation & Layout Planning
6. Annexures
6.1 Annexure 1 – Ripening Table for Fruits & Vegetables
6.2 Annexure 2 – Heat Load Calculations
6.3 Annexure 3 – Site Map
6.4 Annexure 4 – Building Layout Plan
6.5 Annexure 5 – Civil, Electrical & DG Work Quotation
6.6 Annexure 6 –Insulation, Refrigeration & Ripening Eqpt
6.7 Annexure 7 - Plastic Crates
6.8 Annexure 8 - Solar System
6.8 Annexure 9 – Term Loan Repayment & Interest Schedule
6.9 Annexure 10 – Depreciation Schedule
EXECUTIVE SUMMARY
Banana is one of the ideal and low cost food sources in the developing countries
like India, where most of the people rely upon the banana as food. In terms of
volumes they are the largest exported fruit, while they rank second after citrus
fruit in terms of value. Its year round availability, affordability, varietal range,
taste, nutritive and medicinal value makes it the favourite fruit among all classes
of people. It has also good export potential. India has emerged as the world’s
Banana is harvested in un-ripe stage from the farm and brought to the markets
package of practices need to be followed for the banana viz. cutting of loom into
ripening in ripening room before it arrives at the different retail outlets for sale to
the consumers. The proposed unit will cater to the post-harvest management
requirement for handling bananas and ripening safely using modern technology
providing ripening facility under controlled conditions for fresh green bananas of
Further, the customers prefer banana of spotless yellow color, apart from its size.
Thus there is a critical need for proper ripening facility where the fruit can be
safely ripened in order to be sold at the most remunerative price from the
producers' perspective.
The proposed ripening room project has been planned at Village & Post –
complete Supply Chain Management of Banana in local markets. The project will
technological input to the Banana growers, which in turn will develop good quality
and safe banana that can be supplied within Thrissur and nearby towns. The
proposed Banana ripening facility would have capacity of handling and ripening
120 MT of Banana and Mango at any point of time. It would be equipped with 4
nos ripening chambers to cater to the demand of the Thrissur and surrounding
markets.
The Project is proposed to be funded through a mix of own funds and assets
contributed by the promoters and bank loan covering term loan including back-
ended capital subsidy under scheme of AIF (Agriculture Infrastructure Fund) for
in the project is proposed at Rs -------------- lacs (10% of project cost) bank loans
of Rs ----------lacs (90% of project cost). The debt-equity ratio of the project has
The Project has excellent profitability - positive Net Present Value (NPV) of Rs.
------ lacs (on 10% discount rate) and post tax IRR of ------------%. The project has a short
Payback period of 7 years, Average BEP of ---------% and average debt service coverage
Bananas occupy a major role in the fruit production basket of India – 31% of
India’s fruit production (308.08 lac MT during 2017-18) and 13% of Total Area
under Fruits (8.84 lac hectares during 2017-18). India is the world’s leading
Bananas are the main fruit in international trade and the most popular one in the
world. In terms of volume they are the first exported fruit, while they rank second
GRAPHICAL REPRESENTATION
Bananas are also a very important staple commodity for many developing
countries, together with wheat, rice or corn, hence the relevance of bananas for
food security. Some of the main bananas producing countries, such as India or
Brazil, are hardly involved in international trade. In fact, only about one fifth of
banana trade in world banana production increased slightly in the last decades
(from around 18% in the sixties and seventies to over 22% in the 1990s and
“It is believed that 2.7 lakh tonnes of raw banana are cultivated in
final yield will be one third of that 50%, which is nearly 40,000 tonnes.
This entire production might not be consumed locally and a part might
In India, the leading banana producing states are – Tamil Nadu, Maharashtra,
Gujarat, Andhra Pradesh, Uttar Pradesh etc. Traditionally, raw banana moves in
large quantities from these major production belts to the consumption centers in
India. Thrissur is one of the important consumption and local distribution center
for Banana in Kerala Banana is an important fruit crop of many tropical and
The State produces about 42.404 lacs MT of banana produce from an area of
52.89 lacs ha. and accounts for ----------of total horticultural production of the
-------------------------------------------------------------(Name of Area)
Recommended cultivars of banana in the state are ----------------------------.
Banana’s are deeply linked with the traditional culture of Kerala. Different banana varieties
play a significant role in the daily life of the people in this South Indian state. In Malayalam
language, banana plant is called by ‘Vaazha’ and the banana fruit is termed as ‘Vaazha
pazham’. Different varieties of bananas in terms of colour, size and taste are available in
the market.
. The State produces about 48.569 lacs MT of mango from an area of about78.155
lacs ha. with the productivity of -------------- t/ha. which is the highest in the country. The
Raw Banana (Green) is ripened at the distribution centers prior to release to the market
for consumption. Earlier, the accepted practice was to ripen banana using carbide, a
carcinogenic substance which has been banned in India. The emerging trend has
been to ripen banana placed in cold chambers using calibrated doses of Ethylene
occurring gas linked to ripening process of any fruit or vegetable. The use of
controlled ripening technology allows for ripening of fruit like banana as per the market
now largely being utilized for ripening of other fruits like Mango and Papaya, which
has led to a huge demand for such facilities to be set up across the distribution and
consumption centers.
In terms of volumes, Banana being a round the year crop, presents excellent
opportunity for ripening business followed by Mango which in season have large
volumes.
The Proposed project for ripening facility at Village & Post ---------, Dist.
Mango using latest ripening technology which is safe and natural. The project is
PROMOTERS PROFILE
set up by experienced and reputed farmers Mr. ----------, Mr. --------------,l. The
promoters are involved in various farm based activities for more than a decade
including farming, cane crushing, brick kilns and allied business successfully. A
large group of farmers known and related to the promoters have been growing
banana in and around Thrissur for several years now and underscored the
requirement for ripening rooms for marketing of the banana in local markets.
The promoter has keen interest in developing integrated chain linking growing of
fruits like banana with controlled ripening and direct marketing to nearby city
markets. Herein, lies the genesis of this project where the promoter
Thrissur
The project has been planned to be set up with financial assistance under applicable
scheme of AIF – Scheme for PHM related components including Ripening Chambers.
PROJECT PLANNING
The Controlled Ripening Store project is planned for handling Banana, Mango
requirement for ripened bananas in the markets of Thrissur and are met by
The winter months of December to February are lean months linked to lower
Maharashtra is the major source for Banana (72% market share) followed by
Gujarat (9% market share) and Andhra Pradesh (8% market share). However,
with captive cultivation in different belts of UP, locally grown banana is available
in good quantities.
from Banana followed by seasonal demands for ripening of Mango and other
fruits like Papaya. The ripening of Banana and Mango will be by modern system
facilities are being set up closer to the consumption markets to ensure better &
safe quality of ripened fruits to the consumers. This also reduces the wastages
facilities are being planned as captive facilities by traders for meeting their in-
house requirements and also for Long term lease of chambers for ripening to
other market traders. The existing demand for ripening rooms is far in excess of
the available ripening rooms leading to a trend whereby several upcoming Cold
Rooms are also proposing to set up Ripening Rooms or existing Cold Rooms are
being converted into Ripening Rooms. Small traders across the region are
The entire project planning process has been based on the following
For many years, ethylene has been used in the fruit business in Ripening rooms
to speed up the process. Fruit naturally gives off ethylene gas and the more
ethylene that fills a storage space, the quicker the ripening process.
and flowers, even though it exists only in low parts per millions. In India,
traditionally, the ripening of fruit was handled in a dis-organized manner with lack
lots.
In Bananas, the ripening process can vary from 4 days (fast) to 8 days (slow)
with the use of ripening chambers to cater to the needs of the market. Once the
ripening process has been triggered (100-150 ppm dosage during first 24 hours),
the most efficient way to stop or slow this process is to remove the ethylene from
the storage area. This ensures that neither the rate of ripening nor intensity of
respiration of the fruit is significantly changed. (Refer below Table for ripening
in other fruits and vegetables control of ethylene can provide better quality and
enhanced storage conditions. (Refer Annexure 1 for table of ripening of various fruits).
Temperature affects both the rate of ethylene production and the sensitivity of
products to ethylene. Ethylene gas is naturally produced in most if not all plant tissue.
accumulate within the internal atmosphere of the product, and the temperature must be
above a minimum. These minimums are not well defined. However since the
production and action of ethylene are both temperature-dependent, rapid cooling and
good temperature management are vital if fruit ripening and other deterioration
vegetables have been grouped into two classifications, “Climacteric” and “Non-
climacteric”. Climacteric fruits (like Apple, Peach, Papaya, Tomato) normally ripen after
harvesting, during which time sugars increase and volatile constituents develop. The
non-climacteric fruits (like Citrus, Grapes, and Strawberries) do not ripen after harvest
and exhibit no rise in respiratory activity. (Refer Ethylene Sensitivity Table below)
Fruit and Ethylene Sensitivity to Product Response Recommended
Vegetables Production Ethylene to Excess Ethylene Humidity Level
Apples Very high High Less crisp 90 – 98%
Apricots High High Soft 90 – 98%
Asparagus Very low Medium Tough 90 – 98%
Avocados High High Dark spots 90 – 98%
Bananas Medium High Dark spots 85 – 95%
Broccoli Very low High Yellowing 90 – 98%
Brussell Very low High Yellowing 90 – 98%
Sprouts
Cucumber Low High Yellowing 90 – 98%
Grapes Very low Low Colour fade 90 – 98%
Kiwi Fruit Low High Soft colour fade 90 – 98%
Lettuce Very low High Spotty 95 – 98%
Melons Medium High Soft 85 – 95%
Peaches Medium Medium Soft 90 – 98%
Peas Very low Medium Colour change 90 – 98%
Plums/Prunes Medium Medium Soft/Colour 90 – 98%
change
Soft
Soft/Colour
Change
Rock Melon High Medium 85 – 95%
Tomatoes Low Medium 85 – 95%
Banana & Mango are the main fruit crops to be handled in the proposed
project for ripening. As discussed earlier in the report, large number of farmers
are growing mango & banana in the catchment area which will be available for
ripening from May to October. Rest of the year, fruits will be procured from
other production belts in -----------------. The major sourcing points for Banana
May to Oct.
The major sourcing points for Mango from the key belts of Uttar Pradesh are
as follows:-
The promoter has planned to integrate the project with direct supplies from
neighborhood farms and farmer groups who will be encouraged to adopt modern
post harvest practices for minimising losses and improving quality. In banana, it
is planned to de-hand the banana and transport the fruit in field crates to the
in the banana fields by farmers. The conversion of banana looms into hands
bunches) off the bunch, cutting them into manageable sizes and de-flowered
(process of picking off the dried flowers from the ends of banana’s) before
6. Packing in cartons (of 13.5 kg capacity) or plastic crates (of 20kg capacity)
the carton and each bunch having white safety sheet between bunches.
and packed in cartons/ crates at field prior to be shipped to the ripening facility.
c) Planning of Activity, Area & Equipment Requirements
The proposed project has been planned to carry out various activities for
activity of the promoters involving farm related activities and trading creates an
markets in Kerala . Hence, one of the key strengths of the project is assured
supplies of Banana and other fruits for captive ripening. The proximity of the
segments and also cut down the losses during transportation. The existing
trend is to ripen truck loads of banana for a 3 - 4 day cycle. The shorter 3 day
cycle is preferred for shipping out partly ripened to distant clients and during
Controlled ripening of fruits like Banana, Mango etc. for 3 – 4 day cycle for
Controlled ripening of fruits like Banana, Mango on lease / rental basis for
customers/ traders.
operations. Buffer space has been kept for expansion of ripening rooms in
future.
The planning of area requirements for Ripening Store have been worked out
on the basis of standard loads of 30 MT. The capacities for Ripening rooms
have been based on requirements for placement of plastic crates (650mm (L)
Each crate position can stack upto 8 nos. high stacking with total load of
around 160 - 170 kg load. A total of 192 crates positions will be placed in
with 12 crates across the room with passage left between all crates and walls
to allow for air circulation. Hence a total of 1,536 crates are planned with a
total capacity of around 30 MT load per room. The dimension of the ripening
room is planned at 13.5m x 7.0m x 3.5m (H). (Refer photo below for
on trucks for which a large open docking & parking area has been provided to
banana. The fruit movements will be in crates mounted on pallets with hand
pallet trucks.
The proposed project has been planned to set up with the latest available
stage and allow for economic operations. The various technical components for
The insulation plays an important role in any cold / ripening room operations. It is
proposed to install PUF sandwich panels of 80mm thickness for ceiling and walls,
with following specifications which are suitable for the positive temperature
Outer/ Inner Skin [Body Sheet] 0.5mm GI Colour coated galvanised sheet
Density 40 + 2 Kg/M3
The floor insulation is proposed with laying of PUF slab of 80mm complete with
tar felt sheets and bitumen below the flooring. Each room shall be leak proof.
The doors planned for the ripening rooms are insulated doors of hinge type (1.2m
REFRIGERATION SYSTEM
The refrigeration system for the facility has been planned on “stand-alone” basis
for each room. This will facilitate the operations of each ripening room
independently and also allow for savings in power costs during shut off period.
The required heat load for each room has been estimated at 31 KW (refer
Annexure 2 for heat load calculation sheet). Each ripening room is proposed to
through the crates is planned with high CFM fans in evaporator units to meet the
guidelines of NHB. Each of the rooms would require to maintain high humidity
and control units for temperature, humidity, ethylene and CO 2 levels in the
these levels.
RIPENING EQUIPMENT
The ripening system planned for the project consists of portable Ethylene
Catalytic Generators placed within the ripening rooms and ethylene gas released
in the room by using liquid with catalyst. Temperature sensors for air temperature
are planned for each room. The desired concentration levels of gas are achieved
within the room and monitored through a system of gas analysers placed within
all room and a control system to allow for monitoring the levels of ethylene and
CO2 built-up within the room. The portable ethylene catalytic generators can be
shifted amongst ripening rooms as per the requirement for initial dosing of
movement of produce within the facility. The following components are planned
PLATIC CRATES
The fruit in crates of 20 kg capacity will be brought into the ripening rooms for
ripening activity. For captive ripening, fruit filled crates after ripening process will
be dispatched from the facility. Customers bringing fruit for ripening the facility
will have owned crates. Hence, plastic crates (with distinctive markings) will be
required for captive ripening in the project. The requirement for plastic crates is
estimated at 1536 crates per room. Hence, a total requirement of around 6,150
100% power back-up is proposed for the facility with 1 Genset of capacity 125
LOAD
S.No EQUIPMENT UNIT QUANTITY (KW) TOTAL(KW)
TOTAL 150
The marketing efforts in the project are required to be planned for sale of
The project has a key benefit of its location being in close proximity to the
requirement for ripening of Banana and Mango handled by them for these
markets. The benefits of controlled ripening rooms are now well recognized in
terms of better product quality & price realisations. Large farmers, traders and
retail chains prefer to utilise such ripening facilities for improved fruit quality
and also higher returns. The proposed project enjoys this advantage which will
facilitate the marketing of ripened fruits. Hence, the project has excellent
The project site measures around 715 SQM and is located at---------------,
Village & Post. –-------------Kerala The site being located on the village road
has direct road access to site which allows for free truck movement to & from
the project. There is sufficient space within the site for smooth planning of
project facilities as well as buffer space for expansion. Hence, the entire
project facility will be single storey structure made of Pre-fab steel shed. Open
platforms have been provided for smooth unloading – loading operations. The
following activity areas have been planned within the Project Building (Refer
The Financial Assessment of the Project Operations for Ripening Store has been
The total project outlay has been estimated at Rs 168.0 lacs as per the details
given below:-
Total 168.09
1. LAND
The project is proposed to be set up on a plot measuring 715 SQM and is located
at -----------, Village & Post. – ------------ Dist. – Thrissur Kerala , The project land
belongs to partners of the firm. Hence, land value has been taken at nil.
2. PRE-FAB SHED, CIVIL WORK, ELECTRICAL & SOLAR EQUIPMENT
A civil structure with plinth area measuring 44.0m x 10.0m (440 sq. m. approx)
has already constructed and further 11.0m x 10.0m (110 sq. m. approx) is
proposed to be built comprising Ground Floor for the ripening rooms. The
proposed shed includes an area of around 154 sq. m. for loading & unloading
operations. The total estimated cost for the civil structure is estimated at Rs 5.40
lacs as per details given below (as per civil items quotation). (Refer Annexure 6--
The cost of electrical works including Panel, Transformer, lighting, cabling, panel
etc. has been estimated at Rs 12.80 lacs. The proposed genset for 100% back-
up covering 125 Kva (1 no) is estimated to cost Rs 8.95 lacs as per quotation
from supplier.
Hence, total civil and electrical works have been estimated at Rs 27.15 lacs as
follows:
3. DG Set 8.95
TOTAL 27.15
3. PLANT & MACHINERY FOR RIPENING STORE
The complete plant and machinery for the ripening project is proposed to be
SQ.M.)
TOTAL 100.55
cost Rs 18.00 lacs as per quotation received from suppliers (Refer Annexure ----
for Quotation).
4. SOLAR SYSTEM
The estimates for solar system of the proposed Cold Store and Ripening Unit,
including installation, etc. have been based on vendor quotations and estimated
equipment)
5. PRE-OPERATIVE EXPENSES
cost during construction period. (Refer interest on term loan workings as per
Annexure 8)
SOURCE OF FUNDS
The Project is proposed to be funded through a mix of own funds and assets
contributed by the promoters and bank loan covering term loan including back
ended capital subsidy under scheme of MIDH for Post Harvest Management
at Rs -------- lacs (10% of project cost) bank loans of Rs ---- lacs (---% of project
cost). The debt-equity ratio of the project has been proposed at =----
The workings for eligible financial grant from AIF for the Post harvest scheme
The projected revenues for the project operations have been worked out for
The project is proposed to be fully completed by- - - - - - - - - 2022 and the first
fullyear of operations shall be 2022 - 23. The proposed revenue stream has been
below :-
Banana Handling
The project has been planned to handle the entire 100% capacity for captive
handling and ripening of banana by the promoters. With a 120 MT total capacity
and annual 90 ripening cycles the total annual installed capacity is estimated at
10,800 MT. The first year of operations 2022-23 will be for full 12 months for
which capacity utilization has been taken at 60%, followed by 2023-24 (70%),
2024-25 and onwards (80%). Hence, in the first year (2021-22), banana handling
and 8,640 MT in the third and following years. Process losses have been taken
at 10%. The banana realizations have been assumed at Rs 15/- per kg and
purchase & sale prices have been considered from 4 th year onwards year-on-
year basis.
PROJECTED EXPENSES
The projected expenses for the proposed project operations have been worked
out for proposed level of operations. Each of the cost components are discussed
below :
(Rs 20,000/- pm); Plant Operator 1 no. (Rs 18,000/- pm); Accountant 1
no. (Rs 18,000/- pm) Operation Staff 5 nos (Rs 12,000/- pm); and Security
Staff 1 nos (Rs 12,000/- pm). A 10% year-on-year increase has been
2. Water, Power & Fuel expenses have been estimated based on projected
Water requirements for basic washing and other cleaning operations have
been estimated at 1KL per day with peak annual requirements of 360KL
run time per day) which are proposed to be met 50% with solar supply
(day-time) and balance 50% from grid supply. The peak annual
utilisation. The projected power costs (based on existing tariff for electricity
@ Rs 6.5 per unit and for genset operations Rs 10.00 per unit) has been
worked out on the basis of 90% running from direct supplies & 10% from
genset. Hence, the total projected costs under this head are Rs 5.88 lacs
A 10% year-on-year increase has been proposed after the third year
operations.
estimated at 1%, 2% and 3% of the total cost of the equipment and project
building for the first three years and onwards –Rs 1.66 lacs in 2022-23; Rs
3.33 lacs in 2023-24 and Rs 4.99 lacs in 2024-25 onwards. A 10% year-
on-year increase has been proposed after the third year operations.
5. Interest on bank Term loan of Rs 120.00 lacs have been taken at 7.0% pa.
loan (being less than Rs 2.00 crores) will be available for the entire period
calculations have been worked out @ 4.00% per annum basis. Subsidy
available under MIDH scheme will be adjusted against the term loan on
receipt from MIDH. Repayment of term loan is assumed at 6 ½ years
commencing after 6 month gestation period. The total interest charges for
the first year are estimated at Rs 2.38 lacs; for the second year at Rs 1.97
lacs and third year at Rs 1.57 lacs. (Refer Annexure -----for interest &
6. Depreciation has been charged on WDV basis at the rates as per IT Act.
The assets have been adjusted for the amount of eligible subsidy from
The Project has excellent profitability - positive Net Present Value (NPV) of Rs.
160.88 lacs (on 10% discount rate) and post tax IRR of 28.94%. The project has
a short Payback period of 4 years, Average BEP of 42.56% and average debt
service coverage ratio of 7.82 which indicates the strength of the project.
Revenue From Ripening Room Operations
(Rs.in Lacs)
2022-23 2023-24 2024-25 2025-26 2026-27 2027-28 2028-29 2029-30 2030-31
Annual Ripening Capacity (MT) 10800 10800 10800 10800 10800 10800 10800 10800 10800
Capacity Utilisation (%) 60% 70% 80% 80% 80% 80% 80% 80% 80%
Capacity Utilisation (MT) 6480 7560 8640 8640 8640 8640 8640 8640 8640
Total Income 874.80 1,020.60 1,166.40 1,224.72 1,285.96 1,350.25 1,417.77 1,488.65 1,563.09
Profit 39.28 50.85 61.98 66.07 69.91 73.50 76.76 79.48 81.92
Tax Expense:
(a) Current Tax 12.26 15.87 19.34 20.62 21.81 22.93 23.95 24.80 25.56
Net Profit after Tax 27.03 34.99 42.64 45.46 48.10 50.57 52.81 54.68 56.36
II Assets
(1) Non-current assets
(a) Fixed Assets
(i) Tangible Assets 166.29 97.07 84.17 73.04 63.43 55.12 47.94 41.73 36.35 31.70
(b) Other Non current assets 1.80 1.62 1.44 1.26 1.08 0.90 0.72 0.54 0.36 0.18
Total 168.09 130.74 155.61 188.13 223.47 261.45 301.89 349.68 404.36 460.72
PROJECTED CASH FLOW STATEMENT
(Rs.in Lacs)
2021-22 2022-23 2023-24 2024-25 2025-26 2026-27 2027-28 2028-29 2029-30 2030-31
A. CASH FLOW FROM OPERATING ACTIVITIES
Net Profit Before Tax and Extraordinary Items - 39.28 50.85 61.98 66.07 69.91 73.50 76.76 79.48 81.92
Adjustment for :-
Depreciation/Amortisation - 15.14 13.08 11.31 9.79 8.48 7.36 6.39 5.56 4.84
Operating Profit Before Working Capital Changes - 54.42 63.93 73.29 75.87 78.40 80.86 83.15 85.04 86.76
Adjustment for:-
Trade receivables etc. - - - - - - - - - -
Cash Generated from Operations - 54.42 63.93 73.29 75.87 78.40 80.86 83.15 85.04 86.76
Direct Taxes paid - 12.26 15.87 19.34 20.62 21.81 22.93 23.95 24.80 25.56
Net Cash from Operating Activities (A) - 42.17 48.07 53.95 55.25 56.58 57.93 59.20 60.24 61.20
Net Change in Cash & Bank Balances (A+B+C) - 32.05 37.95 43.83 45.13 46.46 47.81 54.17 60.24 61.20
OPENING BALANCE OF CASH & BANK BALANCES - - 32.05 70.00 113.83 158.96 205.42 253.23 307.40 367.64
CLOSING BALANCE OF CASH & BANK BALANCES - 32.05 70.00 113.83 158.96 205.42 253.23 307.40 367.64 428.84
TOTAL 41.20 43.30 45.80 46.47 47.58 49.11 51.14 53.91 57.13
VARIABLE COST
WATER, POWER & FUEL 5.88 6.86 7.84 8.62 9.49 10.44 11.48 12.63 13.89
SALARIES(25%) 3.84 4.22 4.65 5.11 5.62 6.18 6.80 7.48 8.23
ADMN O/H (40%) 7.00 8.16 9.33 9.80 10.29 10.80 11.34 11.91 12.50
FRUIT PURCHASES 777.60 907.20 1,036.80 1,088.64 1,143.07 1,200.23 1,260.24 1,323.25 1,389.41
TOTAL 794.32 926.45 1058.62 1112.17 1168.47 1227.65 1289.86 1355.27 1424.04
INCOME 874.80 1020.60 1166.40 1224.72 1285.96 1350.25 1417.77 1488.65 1563.09
CONTRIBUTION 80.48 94.15 107.78 112.55 117.49 122.61 127.90 133.39 139.05
BREAK EVEN POINT 51.19 45.99 42.50 41.29 40.49 40.05 39.98 40.41 41.08
AVERAGE BEP 42.56
The proposed project has the advantage of readily available basic infrastructure
of land with easy access to all utilities and road connectivity. This can be
leveraged for a very short gestation period of 5 - 6 months to set up the facility.
The proposed facility is proposed to be set up with the following time frame of 5 -
The proposed project will be the first such value addition project to be set up for
the benefit of farmers in Western UP. The lack of such a facility closer to the
farmers seeking direct access through northern India. The project is likely to
Promotion of safe and quality graded- ripened fruit which is likely to fetch
post harvest handling to ensure high quality and distribute kits. The project
Gujarat.
Minimization of Post harvest losses can result in value creation for the
Ref- 42
Date = 21 / 03 /2022
Email -
Plastic Crate (OD 650 x 400 x 350 mm +/- 2mm) 6000Nos 254.00
Capacity Approx.44 ltrs
1. GST 18% Extra per unit.
2 Freight charges Extra as actual
3 Road Permit to be provided by you.
4 Any standard Colour
5 Screen Printing as per your matter or logo
6 Payment Against Proforma-Invoice before dispatch of materials.
7 Delivery 3/4 days after receipt of confirm order, payments and road permits
from you.
8. Validity 7 days
We hope you will find our offer in order to favour us with your valued
order.
Thanking you and assuring you of our prompt services at all times.
Yours faithfully,
Vinod Goyal
Director
ANNEXURE 8 – SOLAR SYSTEM QUOTATION
ANNEXURE 9 – TERM LOAN REPAYMENT & INTEREST SCHEDULE
(RS. IN LACS)
Civil Works
Book Value 65.74 65.74 33.19 29.87 26.89 24.20 21.78 19.60 17.64 15.88
Less: Adjustment for Grant - (28.85) - - - - - - - -
Less: Depreciation - (3.69) (3.32) (2.99) (2.69) (2.42) (2.18) (1.96) (1.76) (1.59)
Net Value 65.74 33.19 29.87 26.89 24.20 21.78 19.60 17.64 15.88 14.29