ANDHRA PRAGATHI GRAMEENA BANK HEAD OFFICE:: KADAPA. Circular No BC-CD Date:
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1 ANDHRA PRAGATHI GRAMEENA BANK HEAD OFFICE:: KADAPA Circular No BC-CD Date: CENTRALLY SPONSORED SCHEMES OF ANIMAL HUSBANDRY SECTOR ADMINISTERED BY NABARD DURING 11 th FIVE YEAR PLAN PERIOD Attention of all Branches and Regional Offices is invited to the captioned subject. The Government of India have introduced the following Animal Husbandry schemes to be implemented upto March RO/HYD/ Accordingly the NABARD, vide Cir. No. NB.AP. ICD/8111/ ICD-13/ Dt , and Cir.No.186/TSD 03/2010 Dt have communicated the operational guidelines on the said Animal Husbandry schemes. 1. Dairy Entrepreneurship Development Scheme 2. Integrated Development of Small Ruminants and Rabbits 3. Establishing Mother units for Rural Back yard Poultry 4. Pig Development 5. Utilisation of Fallen Animals 6. Salvaging and Rearing of Male Buffalo calves 7. Establishment/Modernization of Rural Slaughter Houses The detailed operational guidelines of the above schemes are appended. Clarifications required, if any, on this circular may be sought from Credit Department, Head Office, Kadapa, through respective Regional Office, as per extant guidelines. (K.PREETAM LAL) CHAIRMAN INDEX
2 S.N O PARTICULARS PAGE No 1 GIST OF SCHEMES DAIRY ENTREPRENEURSHIP DEVELOPMENT SCHEME INTEGRATED DEVELOPMENT OF SMALL RUMINANTS AND RABBITS 4 ESTABLISHING POULTRY ESTATES AND MOTHER UNITS FOR RURAL BACKYARD POULTRY PIG DEVELOPMENT SCHEME FOR UTILIZATION OF FALLEN ANIMALS FOR SALVAGING AND REARING OF MALE BUFFALO CALVES 8 ESTABLISHMENT /MODERNISATION OF RURAL SLAUGHTER HOUSES COMMON GUIDELINES APPLICABLE FOR ALL THE ABOVE ANIMAL HUSBANDRY SCHEMES 10 DOCUMENTATION 89
3 Gist of Centrally Sponsored Schemes of Animal Husbandry Sector being implemented by NABARD in the remaining part of XI Five Year Plan (Up to ) Implementing Objective agency 1. Dairy entrepreneurship Development Scheme Eligibility/norms/coverage Nature of support/assistance To promote modern dairy farms, to encourage heifer calf rearing and to generate self employment and provide infrastructure mainly for unorganized sector Dept. of Animal Husbandry, Dairying and Fisheries, GOI and NABARD Farmers, Individual entrepreneurs, NGOs, companies, SHG, Dairy Coop societies, Milk unions, Milk federations etc. 25% of the outlay (33.33% for SC/ST farmers) as back ended subsidy, subject to the maximum ceiling prescribed to various type of units/activities. 2. Integrated Development of Small Ruminants. To encourage sheep and goat rearing and breeding activities in a Dept. of Animal Husbandry, systematic manner in all districts of Dairying and the state Fisheries, GOI and NABARD Individual farmers, SHGs for rearing units and Individual farmers, NGO s, Companies would be eligible for breeding farms 3.Establishing Poultry Estates and Mother Units For Rural Backyard Poultry. Under the scheme A Subsidy of 25% of the outlay (33.33% for SC/ST entrepreneurs) subject to maximum outlay of Rs.1.00 lakh and Rs lakh is being provided for sheep and goat rearers ( 40+2 and sheep and goat breeding units (500+25) respectively in the state For encouraging the back yard poultry rearing. 4. Scheme for Pig Development Dept. of Animal Husbandry, Dairying and Fisheries, GOI, Department of Animal Husbandry, GoAP and NABARD Individuals, SHGs, NGOs Rural Backyard Poultry Development: Mother units with a unit size of 1500 chicks would be established for rearing one day old chicks of low input birds upto 4 weeks. These mother units will be eligible for a subsidy amount of Rs.0.20 lakh per unit which would be directly routed by the State Department of Animal Husbandry to the financing bank. The mother units will also be eligible for Interest Free loan of Rs.0.36 lakh per unit which will be routed through the financing banks by NABARD. To encourage commercial pig rearing by farmers/labourers to improve production performance of native breed through cross breeding Dept. of Animal Husbandry, Dairying and Fisheries, GOI Producer companies, partnership firms, corporations, NGOs, SHGs, JLGs, cooperatives and individual entrepreneurs. Under the scheme a subsidy of 25% of the outlay (33.33% for SC/ST entrepreneurs) is being provided for certain activities of piggery like Pig breeding farms ( 20+4), max. outlay Rs.6.00 lakh)
4 by using selected animals of high performing breeds, Objective 5. Scheme for Utilization of Fallen Animals and NABARD Pig rearing & fattening units ( 3+1, Max. outlay of 0.76 lakh) Retail outlets ( max. outlay of Rs lakh and facilities for live 2 per district, 50% of the outlay as back ended subsidy subject to a ceiling of Rs.2.50 lakh) Implementing agency Eligibility/norms/coverage Nature of support/assistance It is envisaged to facilitate prevention of environmental pollution and check spread of livestock diseases, provide employment opportunity to rural poor engaged in carcass collection, flaying and by-product processing by producing better quality hides and skins. Dept. of Animal Husbandry, Dairying and Fisheries, GOI, Department of Animal Husbandry, GoAP and NABARD 6. Scheme for Salvaging and Rearing Male Buffalo Calves. Individuals, Flayers Cooperatives, NGOs or any other agency involved in such activities. 1.90% of the outlay is provided as capital subsidy by GOI through Department of Animal Husbandry, GoAP for establishment of Carcass Utilization Centers (CUC) of different capacities as detailed hereunder: (a) Model-I: An indicative unit cost of Rs lakh has been provided for establishment of a CUC to process of 5 to 6 carcasses per day. (b) Model-II: An indicative unit cost of Rs lakh has been provided for establishment of a CUC to process 20 to 25 carcasses per day. (c) Renovation/Modernization of Existing Carcass Utilization Centers: An indicative unit cost of Rs lakh has been provided for this activity. No bank loan is envisaged for these models % of the outlay is provided as back ended capital subsidy by GOI through NABARD for establishment of Bone Crushing Unit with a maximum outlay of Rs lakh. Aimed at salvaging male buffalo Dept. of Animal Companies, partnership firms, calves and rearing them Husbandry, Corporations, NGOs, SHGs, JLGs, economically for meat production Dairying and Cooperatives, farmers and Fisheries, GOI individual entrepreneurs. and NABARD 07.Establishment/Modernisation of Rural Slaughter houses Under the scheme a 100% interest subsidy(up to 9 calves) or a Subsidy of 25% of the outlay (33.33% for SC/ST entrepreneurs) is being provided for male buffalo calf rearing (10 to 50 calves and 1000 calves) depending on number of calves reared.
5 To establish slaughter Houses and processing Facilities in Rural Areas Dept. of Animal Husbandry, Dairying and Fisheries, GOI and NABARD Any company, partnership firm, NGO and individual entrepreneur Under the scheme a back ended capital subsidy@ 50% of the total financial outlay of the project with the upper ceiling based on the type of unit and capacity ranging from Rs lakh to Rs.200 lakh
6 01. SCHME ON DAIRY ENTREPRENEURSHIP DEVELOPMENT 1. Background 1.1.Department of Animal Husbandry, Dairying and Fisheries, (DAHD&F) GoI during the year launched a pilot scheme titled Venture Capital Scheme for Dairy and Poultry. The main objective of the scheme was to extend assistance for setting up small dairy farms and other components to bring structural changes in the dairy sector. Assistance under the scheme is extended in the form of Interest Free Loan (IFL) to individuals, SHGs, NGOs, Cooperatives, companies for selected components. As on 31 March 2010, units were extended IFL assistance of Rs crore through out the country An evaluation of the scheme revealed that the scheme had created a major impact in the area of financing of milch animals in some States and the farmers at ground level derived benefit from the scheme. The study has recommended to remove the restrictive clause on financing of milch animals in Operation Flood areas. Further, there are requests from many quarters including farmers, State Animal Husbandry Departments and banks to convert the mode of implementation of the scheme from IFL to capital subsidy mode After detailed discussions with all the stakeholders, it has been decided by DAHD&F, the nodal department to change the mode of implementation revise the existing unit costs and bring some more components for assistance under the purview of the scheme. As the scheme aims at promoting entrepreneurial qualities, the revised scheme has been named as Dairy Entrepreneurship Development Scheme (DEDS.) 2. Objectives of the scheme O To promote setting up of modern dairy farms for production of clean milk O To encourage heifer calf rearing thereby conserve good breeding stock O To bring structural changes in the unorganized sector so that initial processing of milk can be taken up at the village level itself. O To bring about up gradation of quality and traditional technology to handle milk on a commercial scale O To generate self employment and provide infrastructure mainly for unorganized sector. 3. Implementing period and Area of operation The scheme will be implemented during the remaining XI plan period through out the
7 country with out restrictions applicable to Operation Flood areas for financing of milch animals. The scheme will come into effect from 1 September 2010 i.e. proposals sanctioned and disbursed by the banks on or after 1 September 2010 shall be covered under the revised scheme i.e.deds and sanctions under the old scheme (DVCF) will not be entertained thereafter. 4. Eligibility 4.1. Farmers, individual entrepreneurs, NGOs, companies, groups of unorganized and organized sector etc. Groups of organized sector include self help groups, dairy cooperative societies, milk unions, milk federations etc An individual will be eligible to avail assistance for all the components under the scheme but only once for each component 4.3. More than one member of a family can be assisted under the scheme provided they set up separate units with separate infrastructure at different locations. The distance between the boundaries of two such farms should be at least 500m. 5 Subsidy Components that can be financed, indicative unit cost and pattern of assistance are given below S.No Component Unit Cost Pattern of Assistance i E s t a b l i s h m e n t o f s m a l l Rs 5.00 lakh 25% of the outlay (33.33 % for SC / ST dairy units with for 10 animal farmers, ) as back ended capital subsidy crossbred cows/ unit s u b j e c t t o a c e i l i n g o f R s l a k h f o r a u n i t indigenous descript minimum unit of 10 animals ( Rs 1.67 lakh for SC/ST milch cows like size is 2 farmers,). Maximum permissible capital Sahiwal, Red Sindhi, animals with subsidy is Rs ( Rs 33,300 for SC/ST f a r m e r s ) f o r a 2 a n i m a l u n i t. S u b s i d y s h a l l G i r, R a t h i etc / graded an upper limit b e r e s t r i c t e d o n a p r o r a t a b a s i s d e p e n d i n g o n t h e buffaloes upto 10 of 10 animals. animals unit size ii Rearing of heifer Rs 4.80 lakh 25% of the outlay (33.33 % for SC / ST calves cross bred, for 20 calf unit f a r m e r s ) a s b a c k e n d e d c a p i t a l s u b s i d y s u b j e c t indigenous descript minimum to a ceiling of Rs 1.20 lakh for a unit of 20 milch breeds of cattle unit size of 5 calves ( Rs 1.60 lakh for SC/ST farmers). and of graded calves with an Maximum permissible capital subsidy is Rs buffaloes upto 20 upper limit of 3 0, ( R s 4 0, f o r S C / S T f a r m e r s ) f o r a 5 calves 20 calves calf unit. Subsidy shall
8 be restricted on a prorata basis depending on the unit size iii Vermicompost (with Rs 20,000/- 25% of the outlay (33.33 % for SC / ST milch animal unit.to f a r m e r s ) a s b a c k e n d e d c a p i t a l s u b s i d y s u b j e c t be considered with to a ceiling of Rs 5,000/- ( Rs 6700/- for milch animals and not SC/ST farmers,). separately ) iv Purchase of milking Rs 18 lakh 25% of the outlay (33.33 % for SC / ST machines f a r m e r s ) a s b a c k e n d e d c a p i t a l s u b s i d y s u b j e c t / m i l k o t e s t e r s / b u l k m i l k t o a c e i l i n g o f R s l a k h ( R s l a k h f o r cooling units (upto SC/ST farmers) lit capacity) Purchase of dairy Rs 12 lakh v 25% of the outlay (33.33 % for SC / ST processing equipment for f a r m e r s ) a s b a c k e n d e d c a p i t a l s u b s i d y s u b j e c t m a n u f a c t u r e o f i n d i g e n o u s t o a c e i l i n g o f R s l a k h ( R s l a k h f o r milk products SC/ST farmers). vi E s t a b l i s h m e n t o f d a i r y R s 2 4 l a k h 25% of the outlay (33.33 % for SC / ST p r o d u c t t r a n s p o r t a t i o n f a r m e r s ) a s b a c k e n d e d c a p i t a l s u b s i d y s u b j e c t facilities and cold t o a c e i l i n g o f R s l a k h ( R s l a k h f o r chain SC/ST farmers). vii Cold storage facilities R s 3 0 l a k h 25% of the outlay (33.33 % for SC / ST for milk and milk f a r m e r s ) a s b a c k e n d e d c a p i t a l s u b s i d y s u b j e c t products t o a c e i l i n g o f R s l a k h ( R s l a k h f o r SC/ST farmers). viii Establishment of R s l a k h 25% of the outlay (33.33 % for SC / ST private veterinary f o r m o b i l e f a r m e r s ) a s b a c k e n d e d c a p i t a l s u b s i d y s u b j e c t clinics c l i n i c a n d R s to a ceiling of Rs 60,000/- and Rs 45,000/- ( l a k h f o r Rs 80,000/- and Rs 60,000/- for SC/ST s t a t i o n a r y farmers) respectively for mobile and c l i n i c stationary clinics ix D a i r y R s 5 6, / - 25% of the outlay (33.33 % for SC / ST m a r k e t i n g
9 o u t l e t / Dairy parlour f a r m e r s ) a s b a c k e n d e d c a p i t a l s u b s i d y s u b j e c t to a ceiling of Rs 14,000/-( Rs 18600/- for SC/ST farmers). Prior permission shall be obtained from Head Office through the Regional Office for entertaining proposals under sl.no. iv, v, vi and vii 6. Funding pattern O O O 7. Linkage with credit Entrepreneur contribution ( margin) - 10 % of the outlay ( minimum) Back ended as indicated capital above at subsidy Effe ctiv e Ban k Loa Balance portion, Minimum of 40% of the n -outlay 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 Banks b. Regional Rural Banks c. State Cooperative Banks d. State Cooperative Agriculture and Rural Development Banks: and e. Such other institutions, which are eligible for refinance from NABARD. 9. Sanction by banks 9.1 The entrepreneurs shall apply to their banks for sanction of the project. The bank shall appraise the project as per their norms and if found eligible, sanction the total outlay excluding the margin, as the bank loan. The loan amount is then disbursed in suitable installments depending on the progress of the unit. After the disbursement of first installment of the loan, the bank shall apply to the concerned Regional Office of NABARD for sanction and release of subsidy in the format given in Annexure I. 10. Project Sanctioning Committee (PSC) As in the earlier Dairy Venture Capital Fund Scheme, the existing PSC of
10 NABARD Regional Office shall examine the proposals placed before it and sanction the subsidy in case of eligible proposals 11. Release of subsidy After sanction of the subsidy by the PSC, the Regional Office of NABARD shall release the subsidy amount after confirming the availability of funds from NABARD Head Office. The subsidy shall be released on first come first serve basis subject to availability of funds Immediately after receipt of subsidy amount from NABARD, the implementing bank branch should credit the subsidy to the reserve fund of the borrower. A Utilization Certificate in the prescribed format (Annexure II) shall be submitted by the participating bank to NABARD to the effect that the amount of subsidy received by them has been fully utilized and adjusted in the books of account within the overall guidelines of the scheme. 12. Repayment Repayment Period will depend on the nature of activity and cash flow and will vary between 3-7 years. Grace period may range from 3 to 6 months in case of dairy farms to 3 years for calf rearing units (to be decided by the financing bank as per needs of individual projects) The recovery of loan will be based on net loan amount only. i.e. not including subsidy, which will be adjusted by the concerned bank after effective bank loan and interest thereon has been repaid.i..e. The repayment schedules will be drawn on the total amount of the loan (including subsidy) in such a way that the subsidy amount is adjusted after liquidation of net bank loan (excluding subsidy). 13. Classification Priority Sector Agriculture Term Loan 14. Rate of Interest As applicable to Agriculture Term Loans 15. Security - As applicable to Agriculture Term Loans 16. Processing Charges - As applicable to Agriculture Term Loans 17. Inspection Charges - As applicable to Agriculture Term Loans 18. Sanction Powers - As applicable to Agriculture Term Loans 19. Reporting Loans disbursed under the scheme shall be reported under respective Codes according to purpose /activity under Advances MPR (ARM-I)
11 20. Time limit for Completion of the project. (a) Time limit for completion of the project (except for calf rearing units where disbursements are expected to continue till two years) would be as envisaged under the project, subject to maximum of 9 months period from the date of disbursement of the first installment of loan which may be extended by a further period of 3 months, if reasons for delay are considered justified by the financial institution concerned. (b) If the project is not completed within the stipulated period, benefit of subsidy shall not be available and advance subsidy placed with the participating bank, if any, will have to be refunded forthwith to NABARD 21. 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. 22. Adjustment of subsidy 22.1.The capital subsidy will be back ended with minimum lock-in period of 3 years The capital subsidy should be refunded one year after the account becoming NPA and remaining NPA as on date The capital subsidy will be adjusted against the last few installments of repayment of bank loan The capital subsidy admissible under the scheme will be kept in the Subsidy Reserve Fund Account (Borrower-wise) in the books of the financing bank. No interest will be paid on this amount by the bank. In view of this, for the purposes of charging interest on the loan component, the subsidy amount should be excluded. The balance lying to the credit of the Subsidy Reserve Fund Account will not form part of Demand and Time Liabilities for calculation of CRR and SLR. 23. Monitoring 23.1.Joint Monitoring Committee (JMC) consisting of representatives of NABARD, concerned banks and State Secretaries-in-charge of Animal Husbandry and Dairying under chairmanship of Joint Secretary (DD) will review implementation of the scheme at regular intervals The PSC will review the progress on quarterly basis The participating banks should conduct periodic inspections of the units and give a feedback to the PSC on a consolidated basis The units set up under the scheme will be field monitored on a sample basis by
12 NABARD and major observations will be put up to JMC for discussion. 24.The discretion to modify the unit cost is vested with an Empowered Committee under the Chairmanship of Secretary (ADF). 25. Other Conditions O The participating banks will adhere to the norms of appraising the projects regarding technical feasibility and commercial/financial viability. O All possible care will be taken to avoid duplication of projects under the scheme with similar projects implemented by Directorate of Agricultural Marketing, Ministry of Agriculture in the same areas. O The participating banks should ensure insurance of the assets created under the project, wherever required. O 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. O 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. O DAHD&F reserves the right to modify, add and delete any terms / conditions without assigning any reason. O DAHD&F s interpretation of various terms will be final. O DAHD&F reserves the right to recall any amount given under the scheme without assigning any reason thereof. O Pre and post inspection would be undertaken by DAHD&F/NABARD to find out the physical and financial progress as and when required. O Other operational instructions issued by DAHD&F / NABARD from time to time will be strictly followed
13 ANNEXURE I CLAIM FORM FROM THE CONTROLLING OFFICE OF THE BANK FOR RELEASE OF CAPITAL SUBSIDY IN RESPECT of D A I R Y E N T E P R E N E U R S H I P D E V E L O P M E N T S C H E M E (To be submitted to the concerned Regional Office of NABARD) NAME OF THE BANK : Date TOTAL AMOUNT OF CURRENT CLAIM : DETAILS OF CURRENT CLAIM: Particulars Name and address of the Entrepreneur (Pl indicate district also) Rs. (Location of the Project ( indicate the district ) Whether SC/ST/Women Bank/Branch address ( indicate district also) With BSR code Loan A/c No. Date of sanction Purpose of Loan Unit size Total Financial Outlay Margin Bank Loan Repayment prescribed Rate of Interest Date of release of 1st installment of loan Amount released Capital Subsidy claimed Any other information relevant project 1. We undertake having complied with all the instructions contained in NABARD circular No. 186/TSD-03/2010 Dt regarding operational guidelines of the scheme while sanctioning above proposals. 2. We request you to release an amount of Rs. (Rupees) as Capital Subsidy in respect of the above entrepreneurs. Place: Seal and signature of the Branch Manager(financing bank) Date : Authorized signatory Controlling office of the bank
14 Format for Utilization Certificate - Capital Subsidy ANNEXURE II (FOR THE USE OF FINANCING BANK TO BE SUBMITTED TO THE REGIONAL OFFICE OF NABARD) DAIRY ENTEPRENEURSHIP DEVELOPMENT SCHEME 1 Name, address of the beneficiary and location of the project 2 Name of the financing bank: 3 Name & address of the financing branch: 4 Date of sanction of loan by bank : 5 Date of field monitoring of the unit by the bank 6 Date of completion of the unit: 7 (i)total financial outlay Rs. (ii) Margin Money Rs. (iii)bank loan Rs. Subsidy received * Date of receiptamount Date of credit to the from NABARD (Rs.) "Subsidy Reserve Fund A/C" of the Borrower 8 Brief description of assets created 9 Rate of interest charged by the financial bank : 10 The bank has / has not availed refinance from NABARD 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. Place: Date: ( ) Seal & Signature of the 14
15 Bank) Branch Manager (Financing 1. Background 2. SCHEME FOR INTEGRATED DEVELOPMENT OF SMALL RUMINANTS AND RABBITS 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. No potential Districts for rabbits rearing activities in the State. Prakasam and Kadapa Districts are potential for Sheep / Goat activity. State Level Sanction and Monitoring Committee (SLSMC) can include new areas in their State taking into account potential in such areas. 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 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.
16 5. Project Costs and ceilings on Capital Subsidy The indicative project costs and ceiling on Capital Subsidy for different activities are given below 1 2 S. No Rearing of sheep and goats (40+2) Component Sheep and Goat Breeding units(500+25) Total financial Ceiling on Capital Subsidy outlay SC/ST, Hilly & NE (Rs lakh) Gen Category States 25% of the outlay as 33.33% of the outlay subject to a as subject to a maximum of Rs maximum of Rs 25,000/-. 33,300/ % of the outlay as subject to a maximum of Rs 6,25,000/ % of the outlay as subject to a maximum of Rs 8,33,000/-. PRIOR PERMISSION IS TO BE OBTAINED FROM HEAD OFFICE FOR ENTERTAINING PROPOSALS UNDER THE SCHEME No.2 ABOVE. 6. Funding pattern a). Entrepreneur contribution ( margin) - minimum10% in the case of rearing units and minimum 25% of the outlay in case of breeding units b). Subsidy - 25 % or 33.33% of the total financial outlay as per eligibility subject to a ceiling as indicated above. c). Bank Loan - Bank Loan including subsidy not less than 50% of TFO. For Projects of SC/ST, Hilly and NE Region, the Bank loan including subsidy should not be less than 58.33% of the TFO at the time of sanction. 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.1.a. Commercial Banks A.1.b. Regional Rural Banks A.1.c. State Cooperative Banks A.1.d. State Cooperative Agriculture and Rural Development Banks: and A.1.e. 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 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 16
17 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 apply through the Regional Offices in the format given as Annexure I, to the Regional Office of NABARD for sanction of subsidy. 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 the Regional Offices in the format given as Annexure I, to the Regional Office of NABARD for sanction of subsidy. 11. Sanction and release of Capital Subsidy 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. 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
18 9 years including grace period of 2 years. 13. Clasification Priority Sector Agriculture Term Loan 14. Rate of Interest As applicable to Agriculture Term Loans 15. Security - As applicable to Agriculture Term Loans 16. Processing Charges - As applicable to Agriculture Term Loans 17. Inspection Charges - As applicable to Agriculture Term Loans 18. Sanctioning Powers - As applicable to Agriculture Term Loans 19. Reporting Loans disbursed under the scheme shall be reported under respective codes according to purpose /activity under Advances MPR (ARM- I) 20. 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. 21. Monitoring The National Level Central Monitoring Committee will review the progress on half yearly basis The SLSMC will review the progress on quarterly basis/half yearly as is considered necessary The participating banks should conduct periodic inspections of the units and give a feedback to the SLSMC on a consolidated basis. 22. 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. 23. Model Economics of Goat Farming, Sheep Farming, Sheep and Goat breading farms are enclosed in the Annexures. 18
19 ANNEXURE I INTEGRATED SCHEME FOR DEVELOPMENT OF SMALL RUMINANTS AND RABBITS CONSOLIDATED CLAIM FROM THE CONTROLLING OFFICE OF THE BANK FOR RELEASE OF CAPITAL SUBSIDY (To be submitted to the concerned NABARD, Regional Office) 1. NAME OF THE BANK: 2. MONTH/YEAR OF CLAIM: 3. TOTAL AMOUNT OF SUBSIDY CLAIMED: 4. DETAILS OF SUSBIDY CLAIMED: S.No. Particulars Name & address of Beneficiariy (Pl indicate district also) 2 Category (SF/MF/Shepherd/SC/ST/Others) 3 Gender (F/M) 4 Constitution (individual/shg/ngo /Company/Others) 5 Branch Address (indicate district also with BSR code) 6 Loan a/c No. 7 Date of sanction 8 Purpose of loan 9 Unit size 10 Total financial outlay 11 Margin 12 Bank loan 13 Subsidy claimed 14 Repayment prescribed 15 Rate of interest 16 Any other information relevant ot the project 1. We undertake having complied with all the instructions contained in NABARD circular no. 141/ICD-30/2010 dt. 29/07/2010 regarding revised operational guidelines of the scheme and as amended from time to time while sanctioning above proposals. 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 Place: : Date : Seal and signature of the Officer (Controlling office of the financing bank)
20 Authorised signatory Controlling Office of the bank Annexure II Format for Utilization Certificate - Capital Subsidy (FOR THE USE OF FINANCING BANK TO BE SUBMITTED TO THE REGIONAL OFFICE OF NABARD) INTEGRATED DEVELOPMENTOF SMALL RUMINANTS AND RABBITS 1 Name, address and location of the of the beneficiary and project 2 Name of the financing bank : 3 Name & address of the financing branch: 4 Date of sanction of loan by bank : 20
21 5 Date of field monitoring of the unit by the bank 6 Date of completion of the unit : 7 Total financial outlay : Rs. Margin Money : Rs. Bank loan : Rs. Subsidy received Date of receipt Amount Date of credit to the from NABARD (Rs.) "Subsidy Reserve Fund A/C" of the Borrower 8 Brief description of facilities created with capacity etc. 9 Rate of interest charged by the financial bank :
22 10 The bank has / has not availed refinance from NABARD 11 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. Place : ( ) Seal & Signature of the Branch Manager (Finang bank) Annexure III 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 15% DF (Rs.) + 77,263/ % DF 1.5 : 1 11 IRR (%) 43% 22 B. Investment cost Physical Unit Unit Cost (Rs./Unit) Total Cost (Rs.) S. No. Item Specificatio ns 1 Shed 10 sft / Does 400 Sft 40/SFT sft / Does 40 Sft 40/SFT Equipment Feeders, 42 40/Animal 1680
23 Waterers, etc 3 Cost of Animals Does 8-9 months Bucks 12 months Insurance 4% Vet Aid Rs.20 / adult 1500 Rs.10 / Kid 6 Fodder 1 / 2 acres 3000/acre 6000 Cultivation 7 Supplement ary conc. feed 8 Misc. Expenses Per Breeding Cycle 1200 kg 4/kg Total Financial Outlay C. Techno-Economic Parameters 1 Unit Size 40 Does + 2 Bucks - Semi Intensive System 2 Production Traits i) Age at Maturity (Months) ii) Kidding Interval (Months) 8 iii) Kidding Percent 85 iv) Twinning Percent 60 v) Sex Ratio among Kids 1 : 1 vi) Mortality (%) Adult 5% Kids 15% vii) Salable Age of Kids (Months) 8-9 viii) Culling of Does (%) per year from 2nd 20 year 3 Expenditure Norms i) Shed Space (Sft / Animal) Does 10 Buck 20 ii) Cost of Construction (Rs. / Sft) 40 iii) Cost of Equipment (Rs. / Animal) 40 iv) Fodder Cultivation (Rs. / Acre)
24 Irrigated Rs.6,000 / acre Rainfed (Seasonal) Rs.3,000 / acre v) Supplementary Feed per Breeding Cycle Bucks - 8 kg / month for 3 months 48 Does kg / month for 3 months 900 Kids - 4 kg / month for 1 month 260 Total 1208 kg Cost of Feed Rs.4 / kg vi) Labour Family Labour vii) Vet Expenses Rs.20 / adult Rs.10 / kid viii) Insurance 4% of Value of Animals ix) Value of closing stock Adult Rs.1,500 / animal Young Stock Rs.500/animal 4 Income Norms i) Sale Price of Buckling (Rs./animal) 850 ii) Sale Price of Doeling (Rs./animal) 800 iii) Sale Price of Culled Does (Rs./animal) 1,800 iv) Sale Price of Buck 2,000 D. CASH FLOW STATEM ENT S. Particulars No. A Years Costs 1 Capital Cost Recurring Costs First Second Third Fourth Fifth Sixth a Green fodder pro Cap b. Suppl feed Cap c. Vet care etc d Insurance Cap e Misc expenses Cap f Purchase of Buck Total Costs
25 B a b Benefits Sale of animals Adult Buck Culled Does Bucklings Doelings Value of closing stock Total Benefits C Net Benefits (100,000 ) % % +77,263 15% 1.50:1 IRR 43 E Repayme nt Schedule Capital Subsidy Bank Loan Interest Repaymen t Period Rs.25,000/ - Rs.50,000/ - 12% per annum 6 years including first year grace period Year Loan Outstandin g Gross Surplus Interest Repaymen t of Total Outgoings Net Surplus Bank 12% Bank Loan p.a Annexu re IV INDICATIV E FARM MODEL - ECONOMI
26 CS OF SHEEP FARMING A. SUMMAR Y 8. Interest Rate (% p.a) 9. 15% DF % DF 11. IRR (%) 26 period Unit Size 40 Ewes + 2 Rams 2. Breed Nellore Brown 3. Unit cost 1,00,000/- (Rs.) 4. Margin 25,000/- Money (Rs.) 5. Bank Loan 50,000/- (Rs.) 6. Capital 25,000/- Subsidy 7. Repaymen t Schedule (Years) 7 years with one year grace 36,243/- 1.28:1 B. INVEST MENT COST SR.NO. ITEM SPECIFIC A- TIONS PHYSICA L UNIT UNIT COST (Rs./ UNIT) TOTAL 1. Shed Thatched 440 sft 40 17, Equipment Lumpsum Cost of nos. 1,600 64,000 Ewes 4. Cost of -- 2 nos. 2,500 5,000 26
27 Rams 5. Insurance of Animals 6. Vet. Aid & Medicines 7. Fodder Cultivation 8. Feed for 1 cycle of breeding 4% , , Acres 2,500 5,000 Ewes 90 days 720 kg. 4 2,880 Rams 60 days 30 kg Lambs 30 days 96 kg Misc. expenses Lumpsum Total Final Outlay 1,00,00 0 C. TECHNO ECONOMIC PARAMETE RS 1. UNIT SIZE 40 Ewes + 2 Rams 2. PRODUCTI ON TRAITS (i) Age at maturity (months) (ii) Lambing intervals 12 (months) (iii) Lambing percent (iv) Sex Ratio among lambs 01:01 (v) Mortality (%) Adults 5 Lambs 10 (vi) Saleable age of lambs 9-10 (mths) (vii) Culling of Ewes EXPENDITU RE NORMS
28 (i) Shed space (sq.ft.)/ animal Ram 20 (ho usi ng pra ctic es var y) Ewe 10 (ii) Cost of construction 40 (Rs./sqft.) (iii) Fodder Cultivation - 2,500/- Rainfed (Rs./ acre) (iv) Supplementary Feed Ewes gms/ animal/ day Rams gms/ animal/ day Lambs gms/ animal/ day (v) Cost of Feed (Rs./kg) 4/- (vi) Labour Fa mil y La bo ur 4. INCOM E NORM S (vii) Vet. expenses Rs.20/- adult (viii) Insurance 4% of value of animals (i) Sale price of Ram Lamb 1400/- (Rs./lamb) (ii) Sale price of Ewe Lamb 1,300/- (Rs./lamb) (iii) Sale price of culled ewe 1,800/- (Rs./animal) (iv) Sale / purchase price of 2,500/- Rs. 10/ - la mb 28
29 D. CASH FLOW STATEM ENT S. No. Particulars Ram Years First Second Third Fourth Fifth Sixth Seventh A Costs 1 Capital Cost Recurring Costs a Green fodder pro Cap b. Suppl feed Cap c. Vet care etc d Insurance Cap e Purchase of Ram Cap Total Costs B a b Benefits Sale of animals Adult Ram Culled Ewe Ram lamb Ewe lamb Value of closing stock Total Benefits C Net Benefits (100, ) 15% % % 1.28:1 IRR 26 E Repayment Schedule Capital Subsidy Bank Loan Interest Repayment Period Rs.25,000/- Rs.50,000/- 12% per annum 7 years including first year grace period Ye ar Loan Outstanding Gross Surplus Interest Repayment of Total Outgoings Net Surplus Bank p.a. Bank Loan
30 Model Economics of Goat Breeding Farm A. Project Cost Particulars Cost (Rs. in lakhs) Cost of Animal [a] Bucks Rs.3000/ [b] Does Rs.2500/ Land Development / Civil Structures [a] Fencing 1.00 [b] Wastelend and pasture development 1.50 Renovation of civil structure 2.50 Post-mortem facility and laboratory 1.00 Minor 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 0.50 equipments Equipment 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 Say Annexure V B. Income Expenditure Statement Particulars I Year II Year onwards Income Sale of male kids Sales of female kids Sale of culled does Sale of manure Total Income Expenditure Cost of feeding Pasture management cost Insurance charges Salary of manager Misc.(Vet. Aid, labour, etc.) Total Expenditure Gross Surplus Annexure VI 30
31 Model Economics of Sheep Breeding Farm A. Project Cost Particulars Cost (Rs. in lakhs) Cost of Animals [a] Rams Rs.3000/ [b] Ewes Rs.2500/ 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 Animal Handling facility and Veterinary 0.50 equipments Equipment 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 Say B. Income Expenditure Statement Particulars I Year II Year onwards Income Sale of male lambs Sales of female lambs Sale of culled ewes Sale of manure Total Income Expenditure Cost of feeding Insurance charges Salary of manager Misc.(Vet. Aid, labour, etc.) Total Expenditure Gross Surplus SCHEME FOR ESTABLISHING POULTRY ESTATES AND MOTHER UNITS FOR RURAL BACKYARD POULTRY
32 1. Background 1.1 India produces an estimated 53.5 billion eggs per annum, with per capita availability of 42 per annum. It has recorded an average growth rate of 7-8% over the years. Even more astounding was growth in production of poultry/chicken meat from only 0.12 million metric tonnes in 1981 to 2.0 million metric tonnes presently, a phenomenal growth of 15% per year, on an average. The Indian poultry industry with an annual output value of nearly Rs. 20,000 crore provides direct & indirect employment to about three million people catering primarily to domestic market This has been made possible by policies / interventions of Government, proactive role of private sector and entrepreneurs and large scale funding by the financial institutions. However, these efforts resulted in unequal growth with development being mainly concentrated in few states. A considerable segment in the poultry sector is still unorganized and is spread over in the form of small units in farflung areas that still needs organized effort to exploit the existing potential. Training and marketing continue to be the weakest links in various poultry development programs. With all these weaknesses, poultry development programmes under the cooperative sector were not able to make a dent. 1.3 Poultry related activities have become highly scientific and to survive marginalization, small farmers have to work in groups. Further, most crucial linkages (both forward and backward) have to be set-up for enabling small farmers to directly participate in marketing operations, as far as possible. 1.4 It is envisaged that the current scheme will enable small and marginal farmers including landless farmers, women and other socio-economically weak segments, educated unemployed youth to take up poultry farming as an income generating activity in organized way. 2. Poultry Estates Poultry Estates will have establishments of small farmers who will organize and form societies- thus accruing both, benefits of economies of scale and achieve better market opportunities with promotion of quality products, instilling confidence in consumers. Creation of estates is primarily envisaged on line of other industrial estates where majority of facilities will be made available within an area to facilitate both backward and forward linkages. As far as Poultry Estates are concerned, State Government will provide facilities in terms of land on lease, development of estate area, electricity and water supply, training, common facilities like feed mixing, storage, etc. Entrepreneurs who will set up either layer or broiler units in these estates will be assisted with interest free loan provided they adopt scientific production methods. State Governments may also be considering providing incentives like tax holidays & waiver from sales tax, etc. Direct participation of farmers in Poultry Estates can lead to sale of wholesome & hygienic product at a better price. The scheme to establish Poultry Estates is envisaged as a unique attempt not only to have a specific outcome from few estates but also to turn mindset of a large section of private producers, who mostly work on short-term gain policy compromising on either quality of products or cutting down costs, showing little regard to poultry health, bio-security and waste disposal protocols. Success of these estates will enable the way poultry farming should be done and may be we may not 32
33 need a law or act to impose quality and bio-security norms upon a self-disciplined industry NOTE: POULTRY ESTATE UNITS ARE NOT ELIGIBLE IN A.P. Only MOTHER UNITS FOR RURAL BACKYARD POULTRY ARE ELIGIBLE IN A.P. 3. Mother units for Rural Backyard Poultry 3.1 It is proposed to set up mother units where day old chicks of low input birds are reared upto 4 weeks and supplied to the beneficiaries under Rural Backyard Poultry programme. These mother units will get the day old chicks from State Poultry Farms or private hatcheries producing low input birds. 3.2 The State Governments shall submit proposals to GoI for rural backyard poultry in the proforma prescribed by DAHD&F, GoI and communicated to them vide administrative approval no /2009/LDT-P dated 07 August The details on mother units like number of mother units, State Poultry Farms or private hatcheries to which these mother units are proposed to be linked for supply of day old chicks shall be given by the State Government. 3.4 Unless justified, there should not be more than 10 mother units in each district / cluster. 3.5 After approval by DAHD&F, State Animal Husbandry Department shall identify the beneficiaries for establishment of mother units in consultation with DRDA and local banks. The beneficiaries could be individuals, SHGs, NGOs, who are trained in management of day old chicks and rearing them upto 4 weeks. If necessary, Animal Husbandry Department will arrange for training of the identified beneficiaries. 3.6 The funding pattern for a mother unit with 3 pheriwalas is as follows Unit cost ( unit size 1500 chicks per batch) : Rs 1.36 lakh (of which Rs.1.00 lakh would be fixed cost and Rs.0.36 lakh for kick starting the operations of the unit). Subsidy : Rs 0.20 lakh (to be treated as borrowers margin when bank loan is availed) Interest Free Loan : Rs 0.36 lakh Bank Loan : Rs 0.80 lakh 3.7. The District Animal Husbandry Department will sponsor the applications for mother units and release the subsidy amount to the financing banks. The financing banks on receipt of the subsidy will sanction the amount of unit cost excluding the subsidy as bank loan and apply to the concerned Regional Office of NABARD through their controlling office in the proforma (Annexure I- similar to poultry estates). In case the unit cost is more than that indicated, banks shall finance the additional cost as their loan or the beneficiaries may bring that amount as margin. 4. Sanction of the project and release of IFL 4.1 NABARD RO will scrutinize the claim proposals and ensure that those which satisfy the terms and conditions laid down in the guidelines only are put up to SLSMC for sanction. The meeting will be convened initially as and when proposals are received and later at quarterly /
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