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urban market. The milk price varies according to its quality and the
season. Buffalo milk is sold at Rs 24-26 per liter at the farm gate and Rs
20-22 in the urban market. Cow milk is sold at Rs 21-23 per liter at the
farm and Rs. 28-30 in the urban markets. The demand and supply both
have shown increasing trend over the last decade. The demand for good
quality milk is high. The table below shows this trend. Population of
livestock (million) Species 2002-03 2003-04 Cattle 23.3 23.8 Buffalo
24.8 25.5 Sheep 24.6 24.7 Goats 52.8 54.7 Production of Livestock
Products Product Milk (million tones) 27.031 27.811 Beef (000, tones)
1034 1060 Mutton (000, tones) 683 702 Dairy farming is considered the
backbone and mainstay of economy. It provides raw material for food &
leather industry. The produce is a major source of food, i.e. milk and
meant. The byproducts of dairy farming such as farmyard manure (FYM)
are not only environment friendly but also provide valuable earnings.
Sizeable foreign exchanges earnings are also possible through export of
its various products. The project is largely labour intensive thereby
providing ample opportunities for human resource employment. In the
rural North of Pakistan this sector is unorganized and unaware of basic
farm management practices. Although dairy farming can be rewarding in
several ways the management of a dairy farm is a highly challenging job.
3. MARKET OPPORTUNITY Pakistan is the fifth largest milk producer in
the world. Milk production in year 2003-04 was about 27.81 million tons.
Raw milk is used for drinking and tea making purpose. In rural areas,
milk is used to make desi ghee (clarified butter) , yogurt, whey (lasi) and
butter. Rural as well as the urban households are the major consumers of
milk. 3 Existing livestock population in NWFP is 18.3 million. The
provincial economy is primarily agrarian with a limited industrial base.
General studies and surveys indicate that this project can obtain a good
market response and healthy earnings. The overall market value of
livestock in Pakistan in 2003-04 is as follows The daily milk intake of
Manshera and surrounding areas is0.020 million liters respectively. The
demand for milk increases during summers as the consumption of whey
(lassi) rises due to hot weather. Ghee is obtained by heating the milk to
evaporate water and removing the curd. Liquid butter oil with 93% fat
content and a much smaller volume results. It is easy to store and
resists spoilage even at tropical temperatures. The ghee from buffalo
milk is white and that from cow milk yellow. Dahi or curd (similar to
yogurt) is another popular product. If not refrigerated it must be
consumed within 24 hours. Khoya is a popular sweet. It is prepared by
condensing the milk to about 20% fat. Sugar and some spices are added
in order to obtain desirable flavors. It is a high value product however it
also has a relatively short shelf life. Milk processing companies use milk
as a raw material to formulate different types of milk i.e. pasteurized
milk, UHT treated milk, condensed milk, skim milk & milk powder, etc.
Different value added products like yogurt, ice cream, butter and cheese
are also prepared from the raw milk. The processed milk quality and
market share has increased considerably over the last five years and
provides numerous opportunities to the dairy farm investor to benefit
from it. 4. BUSINESS PLAN The good quality lactating adult animals will
b. Availability of Feed & fodder: dry, green & concentrates etc. cropping pattern &
fodder cultivation etc. List the markets/ authorized suppliers of feed & fodder
etc.
c. Livestock & poultry farming system: Give details of housing pattern/system etc.
d. Availability of vety. aid (Medicine & Vaccines): location of dispensary/hospital
etc.
e. Marketing of end products: name & place of market for milk, Eggs, broilers,
culled animals, young one, manure etc. price to be realized. Specific marketing
strategy, if any.
f. Arrangement for effluent treatment/disposal (if required)
1.STEP- Social, Technical, Economic & Political analysis (in case of very big
project)
2.SWOTStrengths, Weaknesses, Opportunities & Threats analysis (in case of
big project)
3.Stake Holder Primary, Secondary & Key stake holder analysis (in case of
big project)
4.Environmental & Socio-economic aspects (in case of very big project)
5.Schedule of project implementation (in case of big project)
6.Project Outlay: Total Financial Outlay (TFO) = Fixed cost & Recurring cost at
a glance (Item wise)
7.Project Economics: Financial Analysis (Benefit Cost Ratio (BCR), Net Present
Worth (NPW), Internal Rate of Return (IRR), etc.
8.Repayment of loan: amount & No. of installments per month/quarter/
annum, moratorium/grace period if any etc.
9.Lending terms: Term loan, Cash Credit (CC Limit), Margin money & its
sources, Rate of Interest, Security, Hypothecation, Insurance etc.
10.Other Financial Assistance: Refinance/ Subsidy (NABARD/ Govt.) etc.
17. Records & registers to be maintained.
18. Conclusion
19. List of Statements/ Annexure
a. Project Cost in details with items of Investment, bank loan, margin etc.
b. Techno- financial norms/assumptions.
c. Herd projection charts: Lactation/Kidding/lambing/flock/poultry housing
schedule/kindling/ farrowing etc.
d. Working capital requirement (in case of big projects)
e. Income/ Expenditure Statement
f. Cash flow analysis: BCR, NPW, IRR and (DER, DSCR etc.)
g. Sensitivity analysis
h. Repayment Schedule & adjustment of back ended subsidy if any.
20. List of attachments/ enclosures
a. Site/layout plan (Maps)
b. Detail cost estimates of civil work from Regd. Civil Engg.
c. Quotations for equipments & machinery from reputed suppliers/dealers
d. Well water test report (potable water)
e. A copy of training/experience certificate, if any.
f. NOC from different agencies (e.g. pollution control, Municipal Corp.) if
applicable
g. State Electricity Board approval for connection.
h. A copy of contract farming agreement if any.
i. Quotation for supply of livestock & chicks from reputed supplier/hatchery.
j. Quotation for supply of feed & fodder, concentrate if any.
k. Prevention of Food Adulteration Act License. (In case of food processing-milk
& Meat) and other licenses as applicable.
l. Any other documents as & when asked by the financing agency/bank.
m. Subsidy application form duly filled in, if any (to be finalized & signed by
the bank officials)