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PROJECT REPORT

OF

SHRI KARANBIR

VILLAGE RUHLA KHERI, TEHSIL JAGADHRI,


DISTRICT YAMUNA NAGAR, HARYANA

____________________________________________________________________________________

For setting-up of Poly-House on 8000 Sq Mt of


Agriculture Land for growing Rose Flower
Subsidy under NHB Scheme

Shri Karanbir
Poly-house Project
INTRODUCTION

Karanbir S/o Shri Dalip Singh R/o House No 64, Village Ruhla Kheri, Tehsil Jagadhri, District
Yamuna Nagar, Haryana, an agriculturist, is planning to establish a unit of poly house. The unit
will be established at Village Ruhla Kheri, Tehsil Jagadhri, District Yamuna Nagar, Haryana. The
promoter of the unit is having enough Experience in agriculture and can very well run the poly
house professionally.

In addition, technical assistance shall be provided by private agency which shall establish the
poly house. The promoter has signed Memorandum of Agreement with private agency Viz M/s
Punjab Agro Farming for setting up Poly House. It is proposed to set up two poly house
structures which will entrench total area measuring 8000 sq meter. In addition other ancillary
structure such as water tank, labour quarter & other farm equipment shall be established along
with bed preparation & planting material etc.

In conventional agronomical practices, the crops are being grown/cultivated in the open field
under natural conditions where the crops are more susceptible to sudden changes in climate i,e
temperature, humidity, light intensity, photo period & other conditions to which the quality,
yield of particular crop can get effected & may be decreased. In India, Traditional farming is
prevalent but now new farming technology like poly house farming provides better income in a
short period of time with less labor. Poly House farming is an alternative new technique in
agriculture gaining foothold in rural India. It reduces dependency on rainfall & makes the
optimum use of land & water resources. Poly house farming can held the farmer generate income
around the year growing multiple crops.

Poly houses are built of a pre-galvanized channel cum tubular structure /tubular structure
wherein crops are grown under favorable controlled environment & other conditions viz
temperature, humidity, light intensity, ventilation, soil media, disease control, irrigation,
fustigation throughout the season irrespective of natural condition outside.
The proposed cost of poly house & Net house is found in line with the Model bankable project of
NABARD.

The project envisages for establishing Poly House on 8000 sq mt of agriculture land for growing
rose flower with total project cost of Rs. 135.25 Lacs which shall be met out through term loan of
Rs. 97.00 Lacs & remaining through promoter’s own sources/capital of Rs. 38.25 Lacs. Under
NHB Scheme, there will be a back-end subsidy of Rs. 56.00 Lacs which will come within 6
months of implementation of the project.

Shri Karanbir
Poly-house Project
PROJECT AT A GLANCE

A) PARTICULARS OF THE UNIT

i) Name of the Applicant : Shri Karanbir S/o Shri Dalip Singh

ii) Constitution : Individual

iii) Address : House No 64, Village Ruhla Kheri, Tehsil Jagadhri,


District Yamuna Nagar, Haryana

iv) PAN No. : BNGPK0611M

v) D.O.B : 10.03.1980

B) PARTICULARS OF THE PROJECT:

i) Cost & Means of Project


(Rs. in lacs)
Cost of Project Total Means of Finance Total
Functional Infrastructure 29.80 Promoter’s Capital 38.25
Complete Drip Irrigation System 9.00 Term Loan 97.00
Pre-op Exp 5.57
Poly House 56.80
Planting Cost for Rose Flower 34.08
Total 135.25 Total 135.25

ii) Term loan Vs margin assessment


(Rs. in lacs)
S.NO. Cost consider for financing Cost Margin Eligible
Term
loan
1 Functional Infrastructure 29.80 25% 22.09
2 Complete Drip Irrigation System 9.00 25% 6.75
3 Pre-op Exp 5.57 100% -
4 Net House 56.80 25% 42.60
5 Planting Cost for Rose Flower 34.08 25% 25.56
Total 135.25 97.00

Shri Karanbir
Poly-house Project
iii) IMPORTANT FINANCIAL PARAMETERS

- Debt Equity Ratio : 2.54:1

- Promoters' Contribution : 28.28%

- D. S. C. R. (Avg.) : 4.91

Status of Approvals

Being the agriculture activity going to be commenced upon agriculture land, there is
no need for any specific approval from any department.

Schedule/Status of Implementation
Levelling and other work will be done upto July 2015. Poly Houses will be installed
by the month of August – September 2015. From October 2015 onwards, plantation of
crop shall be done and Production will come from January 2016 onwards.

The disbursement will be taken as follows:


Particulars Month Disbursement
Amount (Rs.
In Lacs)
Foundation & Erection, Purchase of July 2015 53.85
Seeds, Land Development, Drip
Irrigation System, Soil Replacement
Poly-sheets, Aluminium Sheets, Water August 34.90
Tank, Bed Making, Soil Treatment, Anti 2015
Bird Net, Borewell
Cold Store Room, Labour Room, September 8.25
Boundary wall 2015

FINANCIAL INDICATORS
For the year ended 31.03.16 31.03.17 31.03.18 31.03.19 31.03.20 31.03.21 31.03.22
Proj Proj Proj Proj Proj Proj Proj
Particulars
Gross Sales 15.56 65.52 68.80 68.80 68.80 68.80 68.80

Net Sales & other


Income 15.56 65.52 68.80 68.80 68.80 68.80 68.80
Growth % 321% 5% 0% 0% 0% 0%
Cost of Goods Sold 8.73 35.10 33.75 32.75 32.06 31.65 31.50
Gross Profit 6.83 30.42 35.04 36.05 36.74 37.15 37.30
GP/Net Sales % 43.89% 46.42% 50.94% 52.40% 53.40% 54.00% 54.22%
Shri Karanbir
Poly-house Project
Selling & Adm. Exp. 0.47 1.97 2.06 2.06 2.06 2.06 2.06
Interest 1.28 4.59 3.78 2.96 2.14 1.33 0.51
Pre-Opp Exp W off 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Profit 5.09 23.86 29.20 31.02 32.53 33.76 34.72
Non operating surp. 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PBT 5.09 23.86 29.20 31.02 32.53 33.76 34.72
Taxes 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PAT 5.09 23.86 29.20 31.02 32.53 33.76 34.72
Profit Distributed 0.76 3.58 4.38 9.31 9.76 10.13 10.42
Retained Profit 4.32 20.28 24.82 21.71 22.77 23.63 24.31
Depreciation 4.24 16.40 14.27 12.42 10.82 9.43 8.23
Cash Generation 8.56 36.68 39.09 34.14 33.59 33.06 32.54
Net Profit/ Net Sales 32.69 36.41 42.45 45.09 47.28 49.07 50.47

COMMENTS ON FINANCIAL INDICATORS

Sale: - We have proposed sales turnover of Rs. 15.56 Lacs & Rs. 65.52 Lacs during the
financial year 2015-16 & 2016-17 respectively. For arriving out at the sales level, there are
production & price factors which determine the sale projections. The production and
sales for the first year have been estimated for a period of 3 months. We have analyzed
the production factors & price factors in detailed guidelines issued by NABARD & Deptt
of Horticulture. Promoter has proposed to grow the rose flower in 8000 Sq Mt (02
houses).

DETAILS OF PRODUCTION FOR ROSE QUANTITY


Plant Population @ 7 Plant / Sq Mtr
(8000 Sq Mt x 7) 56,000
Total Production @ 26 cut flowers / Plant 14,56,000
Less: Loss of Produce (10%) 1,45,600
Produce available for sale 13,10,400

2015-16
ITEM 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22
(3 Months)
Quantity (In No.s)
Rose 3.28 13.10 13.10 13.10 13.10 13.10 13.10
Selling Price (In Rs) per Flower
Rose 4.75 5.00 5.25 5.25 5.25 5.25 5.25
Amount (Rs in Lacs)
Rose 15.56 65.52 68.80 68.80 68.80 68.80 68.80
Total Sales 15.56 65.52 68.80 68.80 68.80 68.80 68.80

Shri Karanbir
Poly-house Project
Profit: - For calculating the economic viability of project, revenue & cost factors have
been taken as per prevailing market rates & market trends observed during the previous
year. The Promoters are expected to earn profit of Rs. 5.09 Lacs with profitability of
32.69% & 23.86 Lacs with profitability of 36.41% during the financial year 2016 & 2017
respectively.

Provision of Planting Material: Life of Rose is 60 Months. Hence, a capital cost of Rs.
17.00 Lacs per acre is incurred on planting material every 5th year. In order to provide a
true and fair picture of profits, an amount of Rs. 1.70 Lacs during the 1st year and Rs. 6.80
Lacs thereafter is created as provision every year for the same.

PARTICULARS Projected Projected Projected Projected Projected Projected Projected


1.FIXED ASSETS 31.03.16 31.03.17 31.03.18 31.03.19 31.03.20 31.03.21 31.03.22
1.1 Gross Block 135.25 135.25 135.25 135.25 135.25 135.25 135.25
1.2 Depreciation 4.24 20.64 34.91 47.33 58.15 67.59 75.82
1.3 Net Block 131.01 114.61 100.34 87.92 77.10 67.67 59.43
2. CURRENT ASSETS
2.1 Cash & Bank Bal. 8.21 45.11 84.42 118.79 123.72 157.03 189.81
2.2 Sundry Debtors 0.21 0.22 0.23 0.23 0.23 0.23 0.23
2.3 Misc. C.A.'s 56.00 56.00 56.00 56.00 56.00 56.00 0.00
2.4 Sub Total (2.1+2.2+2.3) 64.42 101.33 140.65 175.02 179.95 213.26 190.04
2.5 Inventory 0.21 0.22 0.23 0.23 0.23 0.23 0.23
2.6 Sub Total (2.4+2.5) 64.62 101.55 140.88 175.25 180.18 213.49 190.26
3. CURRENT LIABILITIES
3.1 Loans & Advances 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3.2 Sundry Creditors 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3.3 Prov. For Taxes 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Prov. For Dividend 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3.4 Other Current Liability 1.70 8.50 15.30 22.10 0.00 6.80 13.60
3.5 Sub Total (3.1 To 3.4) 1.70 8.50 15.30 22.10 0.00 6.80 13.60
3.6 Bank Borrowing 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3.7 Sub Total (3.5+3.6) 1.70 8.50 15.30 22.10 0.00 6.80 13.60
3.8 Net Current Assets 62.92 93.05 125.58 153.15 180.18 206.69 176.66
4. 1NVTT. & NCA'S 0.00 0.00 0.00 0.00 0.00 0.00 0.00
TOTAL (1.3+3.8+4) 193.94 207.66 225.92 241.07 257.28 274.35 236.10
FINANCED BY
5. LONG TERM LOANS
5.1 Secured 95.36 88.80 82.24 75.68 69.12 62.56 0.00
5.2 Unsecured 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5.3 Sub Total (5.1+5.2) 95.36 88.80 82.24 75.68 69.12 62.56 0.00
6.SHARE HOLDER FUNDS
6.1 Equity Share Capital 38.25 42.58 62.86 87.68 109.39 132.16 155.79
6.2 Share Application money
6.2.1 Subsidy 56.00 56.00 56.00 56.00 56.00 56.00 56.00

Shri Karanbir
Poly-house Project
6.3 Reserve & Surplus 4.32 20.28 24.82 21.71 22.77 23.63 24.31
6.4 Sub Total(6.1+6.2+6.3) 98.58 118.86 143.68 165.39 188.16 211.79 236.10
6.5 Intangible Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6.6 TNW 98.58 118.86 143.68 165.39 188.16 211.79 236.10
TOTAL (5.3+6.6) 193.94 207.66 225.92 241.07 257.28 274.35 236.10
7. D/E Ratio (5.3/6.6) 0.97 0.75 0.57 0.46 0.37 0.30 0.00

Net Current Assets/ Current Ratio: - Liquidity seems to be sufficient for the project.

D/E Ratio: - During the first year, debt/equity ratio is estimated 0.97 which is within the
benchmark level of 3. With the repayment of term loan & ploughing back of profit, this
ratio is expected to experience the declining trend by which it is estimated to reach at
0.75 during 2nd year.

Debt Service Coverage Ratio (DSCR) after considering subsidy of Rs. 56.00 Lacs:

Particulars 2016 2017 2018 2019 2020 2021 2022


Sources
Net Retained Profit 5.09 23.86 29.20 31.02 32.53 33.76 34.72
Depreciation 4.24 16.40 14.27 12.42 10.82 9.43 8.23
P&P Written Off 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Cash Accrual 9.33 40.26 43.47 43.44 43.35 43.19 42.96
TL Interest 1.28 4.59 3.78 2.96 2.14 1.33 0.51
Total Sources 10.60 44.86 47.25 46.40 45.49 44.52 43.47
Obligations
TL Installment 1.64 6.56 6.56 6.56 6.56 6.56 6.56
TL Interest 1.28 4.59 3.78 2.96 2.14 1.33 0.51
Total Uses 2.92 11.15 10.34 9.52 8.70 7.89 7.07

Gross DSCR 3.64 4.02 4.57 4.87 5.23 5.64 6.15


Average GDSCR 4.91
Average Net DSCR 6.49

Average DSCR: 4.91 which is at satisfactory level and shows sufficient cash flow to payback the
proposed debt and which is with bank’s bench mark level.

Debt Service Coverage Ratio (DSCR) without considering subsidy of Rs. 56.00 Lacs:

Particulars 2016 2017 2018 2019 2020 2021 2021


Sources
Net Retained Profit 5.09 23.86 29.20 31.02 32.53 33.76 34.72
Depreciation 4.24 16.40 14.27 12.42 10.82 9.43 8.23
P&P Written Off 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Cash Accrual 9.33 40.26 43.47 43.44 43.35 43.19 42.96
TL Interest 5.03 10.87 8.94 7.00 5.07 3.14 1.21
Total Sources 14.36 51.13 52.41 50.45 48.42 46.33 44.16
Shri Karanbir
Poly-house Project
Obligations
TL Installment 3.88 15.52 15.52 15.52 15.52 15.52 15.52
TL Interest 5.03 10.87 8.94 7.00 5.07 3.14 1.21
Total Uses 8.91 26.39 24.46 22.52 20.59 18.66 16.73

Gross DSCR 1.61 1.94 2.14 2.24 2.35 2.48 2.64


Average GDSCR 2.22
Average Net DSCR 2.74

Average DSCR: 2.22 which is at satisfactory level and shows sufficient cash flow to payback the
proposed debt and which is with bank’s bench mark level.

The DSCR of the project is above the benchmark levels throughout the tenure of term
loan. The accruals of the firm are sufficient to meet the debt obligations of the term loans.
There is 7 months moratorium period and the repayment of the term loan will start from
March 2016.

Techno-Economic Viability:

Protected cultivation is future because Land and Water – Nature’s gift to mankind is not
unlimited and free forever. Everyday population is increasing and due to modernization
the infrastructure work is increasing and day to day agricultural land is becoming less
and less and at the same time the land value is increasing. Also world water resources
are fast diminishing. The one and only answer to this problem is Protected Cultivation.
After detailed study of inter-relationship among soil, water, crop, land terrain and
related agro climatic conditions, design a suitable and economically viable system to the
grower which protects the crop at certain limits and deliver a measured quantity of
water at the root zone of each plant at regular intervals. This is to ensure that the plants
do not suffer from stress or strain of less and over watering, different climatic conditions.
The system installed at the farmer’s field is commissioned and training imparted to the
farmer, followed by regular after sales services.
The result – A totally customized, efficient and long-life system which ensures better
yields through protected cultivation and saving in water as well, early maturity and a
bountiful harvest, season after season, year after year. Apart from all this, savings in
labour and fertilizer costs.
Greenhouse/ Poly house/ Poly tunnel/ Net house which protects the crop from High
intensity of light, High rainfall, winds, Insects through Structure, Polyethylene film/
Polycarbonate sheet, Shading nets/ Thermal Nets, Insect Net, Cooling Pad, Exhaust Fan,
Foggers and Drip Systems, fertigation equipment etc. which controls light, temperature,
humidity and Irrigation with fertigation and other required growth substances directly
into the root zone of the plant. Water and nutrients enter the soil from the emitters,
moving into the root zone of the plants through the combined forces of gravity and
capillary. In this way, the plant’s withdrawal of moisture and nutrients are replenished
almost immediately, ensuring that the plant never suffers from water stress, thus
enhancing quality, its ability to achieve optimum growth and high yield.
Shri Karanbir
Poly-house Project
Economic Feasibility

a) Name of the major suppliers: M/s Punjab Agro Farming

b) Region/Area where the product will be sold: The unit will sell their produce in the
market of Haryana, Punjab & Delhi.

c) Extent of competition and other units engaged in the similar activity in the
region/area: There is no competition. The cut flower like Rose is used in preparation of
bouquets, floral arrangements and social occasions. Hence there is huge demand for cut
flowers in domestic as well as in international market.

d) Volume of orders in hand: There is a great demand of flowers in parts of Haryana,


Punjab & Delhi. Hence sale should not be a problem.

e) Availability of Raw Materials: Raw Material is locally available.

f) Position of labour supply in the area: Labour is easily available.

g) Availability of Power: Power is already installed.

h) Note on marketing tie up arrangement: The product to be grown by firm has great
demand in the surrounding areas.

i) Access to the site & transportation: Unit is well connected by road.

j) Water Supply: Available

ROSE CULTIVATION PROCESS

Introduction
Depending on the species and varieties, roses have various uses. They may be used as
cut flowers, and garden plants. They may also be used in making rose oil, rose water and
gulkhand. Model project is on production of roses for use as cut flowers, which have an
important place in preparation of bouquets, floral arrangements, worship, social
occasions and presentation of gifts. Measured in terms of volume of trade in the
international market cut roses rank first in popularity. Further, with the advancement in
production and marketing of cut roses and also on account of recent economic
liberalisation there has been an upsurge of interest in production of cut roses in plastic
green houses in India.

Climate
Plenty of light, humid and moderate temperature ranging from 150C to 280C may be
considered as ideal conditions for roses in the tropical and subtropical climate of India.
Shri Karanbir
Poly-house Project
At temperature below 150C roses can be grown, but the interval between flushes become
longer. At higher temperature, say above 300C, roses can be grown provided high
humidity is maintained and evaporation is slowed down.

Soil
Well drained soil rich in organic matter and oxygen is good for roses. Organic matter as
high as 30 per cent in the top 30 cm of the growing beds is preferred by many growers.
The pH of the soil should be around 6 to 6.5.
Bed Preparation
· Top width – 90 cm
· Bottom width – 100 cm
· Height – 45 cm
· Path way – 50 cm

Planting Distance
• Plant to Plant distance: 17 cm
• Row to Row distance: 45 cm

Planting Material
Rose plant used for plantation should be 2-3 month old and have minimum two dark
green colour leaves. Bud union of rose plant should not be covered with soil. It should
be 2-3 cm above the ground level. The sprout coming out of the union should face
towards the path at the time of plantation. Rose plants are planted in a zigzag method on
the bed.

Types of Roses and Varieties


The major types of roses which are commercially important are as under:
 Hybrid Tea Roses: These have large flowers (4 cm.) long stems (125 cm). Yield
varies from 100-200 stems/sqm. Hybrid Teas fetch higher price than other types.
A few well-known varieties of this group are SONIA, VIVALDI, TINEKE,
MELODY, DARLING and ONLY LOVE.
 Floribunda Roses : These have small flowers (2.5 cm) and shorter stems (less than
60 cm), but yield much higher than other types. Examples of this type are
FRISCO, MERCEDES, JAGUAR, KISS and FLORENCE.
 Spray Roses : A single stem of this type may carry 5-6 flowers, but stem yield per
sqm is low. Important varieties belonging to the type are EVELIEN, JOY and
NIKITA.

Manures and Fertilizers


Organic manures are required to be added so that top 30 cm of the soil has 30% organic
matter content. Application of nutrients should be based on analysis of soil and plant. In
the present model the cost has been estimated based on 250 fertigation days and 1.2g
dose of fertilizers per day per sq. meter.

Shri Karanbir
Poly-house Project
Cultural Practices
For proper growth of rose plant and high production special cultural practices are to be
carried out as follows:
 Initial plant development / mother shoot bending: If the young plant is allowed
to flower immediately after planting there is serious risk that the important
structural frame work of the plant will be impaired. The various types of plants
require different treatment. First flower is pinched after one month from the date
of plantation so that 2 to 3 eyes bud will sprout on main branch to grow as
branches and these branches in turn will form buds. When the plant attains this
stage of growth, the mother shoot is to be bent towards the direction of path. This
cultural operation in rose plants is done to initiate bottom break ground shoot.
The maximum leaf area is required to build up a strong root system. The mother
shoot is bent nearer to the bud joint.
 Plant structure development: To develop more growing points and plant
structure development plays an important role. After planting ground shoot will
start growing from crown of plant. The weak ground shoots should be bent at
ground level, for forming a basic and strong frame work of plant structure for
production throughout their life cycle. the strong ground shoots should be cut at
5th five pair of leaves after four and half months from the date of plantation. The
medium ground shoots should be cut at 2nd or 3rd five of leaves.
 Bending in roses: Bending helps in maintaining enough leaf area on the plants.
The maximum leaf area is required to build up a strong root system. Leaves are
important for producing carbohydrates. The mass of leaves is also known as the
lungs of the plant. The growing suckers should be removed in order to check new
growth on the bended stem. The buds should be removed from the bended stem
in order to check the incidence of thrips and bud rot (botrytis). Only weak and
blind shoots are selected for bending. Bending breaks apical dominance of the
plant. It is continuous process and hence carried out throughout the life cycle.
Bending should be such that the most of the stems lay below horizontal. In
summer season it is generally advised not to go for bending as it provides
favourable condition for mite’s incidence. Bending is done on 1st or 2nd five pair
of leaves. One can also grow roses in green house without bending by keeping
some blind shoots on plants in standing position for extra photosynthesis and
uptake of water nutrients. While bending the stems, the care should be taken that
the stem will not break and the leaves will not touch the soil on the bed.
 Disbudding: Standard varieties are those with one flower on each stem. But as
nearly all varieties produce some side buds below the center bud. these side buds
have to be removed. The removal of these buds is known as disbudding. It should
not be done too early or too late. If done too early it may harm leaves and if done
too late then large wounds in the upper leaf axil can take place. When bud attain
pea-size and shows slight colour then it is right time to do disbudding. For most
spray varieties, the center crown bud is to be removed. Disbudding is generally
done on weak stem so that it can convert itself to thick stem and in future cuts can

Shri Karanbir
Poly-house Project
be taken. Thick stem produce strong sprouts whereas then stem gives out weak
sprouts
 Pinching: Removal of unwanted vegetative growth from the axil of leaf below the
terminal bud is called pinching. This helps to get good quality flowers and buds
and avoids wastage of energy in the development of auxiliary bud if done at right
stage and right time. It leads to apical dominance.
 Wild shoot (root stock) removal: Wild shoots are the unwanted growth that takes
place at the union on the root stock. They should be removed at the earliest as
these will deplete nutrients and checks growth and development of plant. They
should not be cut but removed from its union by pressing it with thumb in order
to check its further sprouting.
 Support of the plants: The support system consists of bamboo / GI pipes / 'L'
angles inserted on both sides of bed at the start and end of the bed. Post are
placed at intervals of 3m on both sides of the bed, along the sides of bed, fastened
at the posts at 30 cm – 40 cm intervals are 14 gauge GI wires or plastic string to
support the plant. Between the wires across the bed, thin strings can be tied to
keep the width of the bed constant. Support system makes intercultural operation
easy and protects the buds from being damaged by not allowing the stems bend
into the path.
 Pruning: Stems are cut back leaving 4-5 nodes on the basic stock frame, removing
all weak shoots and redirecting the wayward ones. This may be practised in a
phased manner so that flowering takes place from September to March.
Generally, flowering takes place 45 days after pruning.

Irrigation
Rose plant require a lot of water, at least 6mm/day i.e. 60cum/ha/day. A drainage line
may be laid below the beds for disposal of excess water.

Pest And Diseases


The principal diseases of rose are downy mildew, powdery mildew, botrytis, pruning
die back & black leaf spot whereas major insect pests of the rose are red spider mite, leaf
roller, aphids, thrips & white fly.

Control Measures
The preventive spray programme with a volume of 1500 litres/spray at an average
interval of once in a week is suggested. The pesticide/fungicide may be applied as
under:
· Dithane M-45 0.6 gm/litre
· Metasystox 1.25 ml/litre
· Karathane 1.00 ml/litre

Harvesting
Roses should attain the right stage for harvesting. If cut too early, flowers miss reserve
food and therefore, may not develop into full flowers. If cut too late, longevity
diminishes. As such, roses should be cut just as the buds are opening, after the sepals
Shri Karanbir
Poly-house Project
have almost fully curled up and the colour is fully visible. In small flowered varieties
and Floribundas, the flowers are cut just when they begin to open the cluster. The
cutting may be done in the evening or early morning with long stem. The lower end of
cut stems are immediately placed in clean plastic buckets containing a clean solution of
500 ppm citric acid or in chrysal - RVB. Thereafter, the buckets containing cut roses are
brought to the grading and packing Shed/Hall.

Harvesting Stages
S.No. Particulars Place of cutting Month from date
of
plantation
1 Ground shoot At 5th five pair of leaves from bottom 3 to 3.5
cutting of plant
2 First harvesting 2nd or 3rd five pair of leaves from first 4.5 to 5
cut
3 Second / Regular 2nd or 3rd five pair of leaves from first 6th month
harvesting cut onwards daily
harvesting
The rose should be cut with the help of sharp cut and hold secateurs. Ground shoot
cutting should be done on 5th five pair of leaf then one or two eye buds sprout from
lower leaves below the cut. These sprouts will grow into flowers in the period of 35 to 50
days. This varies from variety to variety. Later on the first harvest should be taken on
2nd or 3rd five pair of the leaves above the first cut. During summer season or when
there is less leaf area on plant it is always advisable to take cut on 3rd five pair of leaves
above the first cut. Always bend thin stems and take cut on 3rd five pair of leaves above
the first cut. Always bend thin stems and take cut on thick stems to get strong shoots.
The regular harvesting is done on 2nd five pair of leaves. Sometimes under cutting is
also practiced as it is an important technique to keep rose plants at reasonable height.
Harvesting cut should be sharp and inclined direction for avoiding the deposition of
water or spray solution. When the temperature is low in the green house harvesting is
done only once i.e. during early morning hours. When there is high day temperature it is
necessary to take second harvesting in later afternoon. Cut stages of roses play an
important role in harvesting. Cut stages of roses for export is stage 0 and 1 whereas cut
stage is 2 and 3 for domestic market.

Yield
Average yield of roses is 30 to 35 stem/ plant per year.

Grading
Flowers should be graded into different classes according to their qualities. Grading is
done on a mechanical grader or by hand grading tables or work stations.

Packaging
Packing comprises three steps: bunching, wrapping and packing. The heads of roses are
evened up and their stem tied with a rubber band into bunches in 10s, 20s, 25s, or 50s
Shri Karanbir
Poly-house Project
depending on the ultimate market. They are cut so that all the stems are of the same
length. The bunches are placed in preservative solution and may be shifted to the cold
store. They are brought back to the packing hall and the buds are wrapped and bunches
are sleeved in transport polyethylene. The wrap is a 15-20 cm. wide plastic strip which
acts as a cushion for the buds. Many different cardboard boxes are used for packing. For
long term transport it is best to use telescopic style boxes made of corrugated fibreboard.
The size could be 100 cm x 45 cm x 22 cm. There may be 400 to 1000 stems per box and
weight may vary from 14 to 18 kg/box. Depending on the market, the box is either filled
with one variety, one grade, or mixed colour one grade.

Size of land: Cultivation of Rose Flower is spread in the area measuring 8000 Sq. Mtrs.

The Repayment Schedule of the Term Loan is as given under:-

Repayment after considering subsidy of Rs. 56.00 Lacs: In 25 quarterly principal


installments of Rs. 1,64,000/- each after moratorium period of 7 months from 1st
disbursement. Monthly interest on term loan during the construction & moratorium
period of the project will be served out separately by the proponent as it is not taken in
the project cost.
(Rs in Lacs)
Period Quarters Amount Amount
January 2016 – March 2016 1 1.64 1.64
April 2016 – March 2017 4 1.64 6.56
April 2017 – March 2018 4 1.64 6.56
April 2018 – March 2019 4 1.64 6.56
April 2019 to March 2020 4 1.64 6.56
April 2020 – March 2021 4 1.64 6.56
April 2021 – March 2022 4 1.64 6.56
Total 25 Quarters 41.00

Repayment without considering subsidy of Rs. 56.00 Lacs: In 25 quarterly principal


installments of Rs. 3,88,000/- each after moratorium period of 7 months from 1st
disbursement. Monthly interest on term loan during the construction & moratorium
period of the project will be served out separately by the proponent as it is not taken in
the project cost.
(Rs in Lacs)
Period Quarters Amount Amount
January 2016 – March 2016 1 3.88 3.88
April 2016 – March 2017 4 3.88 15.52
April 2017 – March 2018 4 3.88 15.52
April 2018 – March 2019 4 3.88 15.52
April 2019 to March 2020 4 3.88 15.52
April 2020 – March 2021 4 3.88 15.52
April 2021 – March 2022 4 3.88 15.52
Total 25 Quarters 97.00

Shri Karanbir
Poly-house Project
Moratorium period is up to February 2016. Interest will be served during the moratorium period
& thereafter as and when due.

The bank will receive back-end subsidy of Rs. 56.00 Lacs by December 2015.

Security
Date of Value in
Particulars
Valuation Rs. in lacs
Primary 1. Hypothecation of poly and net house, 31.03.2016 131.01
plant & machinery and other movable (Proposed)
assets created out of bank finance along
with all kinds of stocks i.e. raw
materials/consumables, crops including
semi finished crops.

2. Registered Mortgage of Agriculture Approx. 260.00


Land measuring 5 Acres in the name of Market
Shri Karanbir S/o Shri Dalip Singh Value
situated in H.B. No. 424, Village Ruhla
Kheri, Tehsil Jagadhri, District Yamuna
Nagar, Haryana

Shri Karanbir
Poly-house Project
Annexure - I

KARANBIR S/O SHRI DALIP SINGH

COST OF PROJECT & MEANS OF FINANCING


(Rs. in Lacs)
TOTAL
SR. NO. PARTICULARS
AMOUNT
A. COST OF PROJECT

1 Land -

2 Functional Infrastructure 29.80

3 Complete Automatic Drip Irrigation System 9.00


Including Fogger and pipes
(Rs. 112.50/sqm x 8000 Sq Mt)

4 Poly House 56.80


Shade Net House with Aluminium Sheet
(All Weather Green-House)
(Rs. 710/sqm x 8000 Sq Mt)

5 Preliminary/Pre-Operative Exp. 5.57

6 Planting Cost for Rose Flowers 34.08


(Rs. 426/sqm x 8000 Sq Mt)

TOTAL 135.25

B. MEANS OF FINANCE

1 Promoter's Capital 38.25

2 Term Loan 97.00


(Including Capital Subsidy Portion of Rs 56 Lacs under NHB Scheme)
TOTAL 135.25

C. PROMOTERS' CONTRIBUTION %( OVERALL) 28.28%


PROMOTERS' CONTRIBUTION %( TERM Loan) 25.20%

D. DEBT EQUITY RATIO


Debt Capital
1. Term Loan 97.00 1. Capital 38.25
2.U L -

97.00 38.25

DER = 2.54 :1
Annexure-II

KARANBIR S/O SHRI DALIP SINGH

DETAILS OF FUNCTIONAL INFRASTRUCTURE


(Rs in Lacs)
SR. TOTAL
PARTICULARS
NO. AMOUNT

1 Cold Store Room 4.00

2 Labour Quarter 3.00

3 Water Tank (5,00,000 Litres) 6.00

4 Boundary Wall 4.00

5 Anti Bird Net 2.80

6 Soil Replacement 4.00

7 Borewell 4.00

8 Land Development 2.00

TOTAL 29.80

Annexure - III

KARANBIR S/O SHRI DALIP SINGH

DETAILS OF PRELIMINARY & PRE-OPERATIVE EXPENSES

(Rs in Lacs)
Sr. No. PARTICULARS Amount

1 Loan Processing 0.45

2 Misc Exp. 0.20

3 Interest during Construction 4.92

TOTAL 5.57
Annexure - A
KARANBIR S/O SHRI DALIP SINGH

COST OF PRODUCTION & PROFITABILITY ESTIMATES

(Rs in Lacs)
Sr. No. PARTICULARS / YEAR 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22

1 Gross Sales
i Sale of Rose Flower 15.56 65.52 68.80 68.80 68.80 68.80 68.80

Total Sales 15.56 65.52 68.80 68.80 68.80 68.80 68.80

2 Cost Of Production
i) Provision for Planting Material 1.70 6.80 6.80 6.80 6.80 6.80 6.80
ii) Other Charges 0.25 1.05 1.10 1.16 1.22 1.28 1.34
iii) Wages 0.87 3.83 4.21 4.63 5.10 5.60 6.17
iv) Power & Fuel 0.15 0.63 0.66 0.69 0.73 0.77 0.80
v) Fertilizers, Medicines, Plants 0.23 0.95 0.99 1.04 1.09 1.15 1.21
vi) Repair & Maintenance 0.15 0.63 0.66 0.69 0.73 0.77 0.80
vii) Packaging & Transport 1.15 4.82 5.06 5.31 5.57 5.85 6.15
viii) Depreciation 4.24 16.40 14.27 12.42 10.82 9.43 8.23
Total Cost of Production 8.73 35.10 33.75 32.75 32.06 31.65 31.50

3 Selling & Administrative Expenses 0.47 1.97 2.06 2.06 2.06 2.06 2.06

4 SUB TOTAL (2+3) 9.20 37.07 35.82 34.81 34.12 33.71 33.56

5 Operating Profit before Interest 6.36 28.45 32.98 33.98 34.67 35.08 35.23

6 Interest
Term Loan 1.28 4.59 3.78 2.96 2.14 1.33 0.51
Working Capital - - - - - - -
Total Interest Cost 1.28 4.59 3.78 2.96 2.14 1.33 0.51

7 Operating Profit 5.09 23.86 29.20 31.02 32.53 33.76 34.72

Non-Operating Income - - - - - - -
Non-OperatingExpenses - - - - - - -

8 Net Non - Operating (Inc/Exp) - - - - - - -

9 Net Profit before Tax 5.09 23.86 29.20 31.02 32.53 33.76 34.72
10 Income Tax - - - - - - -
11 Net Profit 5.09 23.86 29.20 31.02 32.53 33.76 34.72
12 Withdrawal Rate 15% 15% 15% 30% 30% 30% 30%
13 WithdrawalAmount 0.76 3.58 4.38 9.31 9.76 10.13 10.42
14 Retained Profit 4.32 20.28 24.82 21.71 22.77 23.63 24.31
15 Cash Accruals 9.33 40.26 43.47 43.44 43.35 43.19 42.96
Annexure - B

KARANBIR S/O SHRI DALIP SINGH

ASSUMPTIONS UNDERLYING THE ESTIMATES


OF COST OF PRODUCTION & PROFITABILITY

i) Annual Production Capacity


Rose 14,56,000 Nos per Annum

ii) No of Months in Operations in 2015-16 (New Unit) 3 Months

iii) Green House Area


Rose 8,000 Sq Mtr

iv) Rate of Interest


Term Loan 12.45%
Working Capital 0.00%

Term Loan for a period of 6 years 9 Months including 7 months moratorium period

v) Depreciation as per Income Tax Act 1961

a) Planting Cost for Rose Flower 10.00%


b) Net House & Drip System 15.00%
c) Functional Infrastructure 10.00%

vi) Selling & Administrative Expenses as %age of Sales 3.00%


Annexure - B (1)

KARANBIR S/O SHRI DALIP SINGH

SCHEDULE OF DEPRECIATION AS PER INCOME TAX ACT

(Rs in Lacs)

Planting Cost Net House & Functional


PARTICULARS Total
for Rose Flower Drip System Infrastructure

Rate of Depreciation % 10.00% 15.00% 10.00%

Cost 34.08 65.80 29.80 129.68


Preliminary Pre-Operative Capitalized 1.46 2.83 1.28 5.57
Gross Block 35.54 68.63 31.08 135.25

Depreciation (2015-16) 0.89 2.57 0.78 4.24


W.D.V & Additions (2015-16) 34.66 66.05 30.30 131.01

Depreciation (2016-17) 3.47 9.91 3.03 16.40


W.D.V & Additions (2016-17) 31.19 56.15 27.27 114.61

Depreciation (2017-18) 3.12 8.42 2.73 14.27


W.D.V & Additions (2017-18) 28.07 47.72 24.55 100.34

Depreciation (2018-19) 2.81 7.16 2.45 12.42


W.D.V & Additions (2018-19) 25.26 40.57 22.09 87.92

Depreciation (2019-20) 2.53 6.08 2.21 10.82


W.D.V & Additions (2019-20) 22.74 34.48 19.88 77.10

Depreciation (2020-21) 2.27 5.17 1.99 9.43


W.D.V & Additions (2020-21) 20.46 29.31 17.89 67.67

Depreciation (2021-22) 2.05 4.40 1.79 8.23


W.D.V & Additions (2021-22) 18.42 24.91 16.10 59.43
Annexure - B (2)

KARANBIR S/O SHRI DALIP SINGH

DETAILS OF SALES PROCEEDS

( Rs. In Lakhs)
ITEM 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22
(3 Months) (12 Months) (12 Months) (12 Months) (12 Months) (12 Months) (12 Months)

Quantity (In No.s)


Rose 3.28 13.10 13.10 13.10 13.10 13.10 13.10

Selling Price (In Rs) per Flower


Rose 4.75 5.00 5.25 5.25 5.25 5.25 5.25

Amount (Rs in Lacs)


Rose 15.56 65.52 68.80 68.80 68.80 68.80 68.80

Total Sales 15.56 65.52 68.80 68.80 68.80 68.80 68.80

KARANBIR S/O SHRI DALIP SINGH

DETAILS OF PRODUCTION QUANTITY

Plant Population @ 7 Plant / Sq Mtr 56,000


(8000 Sq Mt x 7)

Total Production @ 26 cut Flowers / Plant 14,56,000

Less: Loss of Produce (10%) 1,45,600

Produce available for sale 13,10,400


Annexure - C

KARANBIR S/O SHRI DALIP SINGH

CASH FLOWS STATEMENT

(Rs in Lacs)
A SOURCES OF FUNDS 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22

1 Net profit before tax with long-term 6.36 28.45 32.98 33.98 34.67 35.08 35.23
interest added back but after
depreciation
2 Increase in Capital 38.25 - - - - - -

3 Depreciation 4.24 16.40 14.27 12.42 10.82 9.43 8.23

4 Increase in term loan 97.00 - - - - (56.00)

5 Provision For Planting Material 1.70 6.80 6.80 6.80 6.80 6.80 6.80

6 Increase in Capital Subsidy 56.00 - - - - - -

Total 203.56 51.66 54.05 53.20 52.29 51.32 (5.73)

B DISPOSITION OF FUNDS
1 Preliminary & Pre-Operative Expenses 5.57 - - - - - -

2 Capital Expenditure 129.68 - - - - - -

3 Increase in Current Assets 0.41 0.02 0.02 - - - -

4 Decrease in Long Term Loans 1.64 6.56 6.56 6.56 6.56 6.56 6.56

5 Increase in Deposits (Subsidy) 56.00 - - - - - (56.00)

6 Interest on Long Term Loans 1.28 4.59 3.78 2.96 2.14 1.33 0.51

7 Capital cost on Planting Material - - - - 28.90 - -

8 Withdrawal 0.76 3.58 4.38 9.31 9.76 10.13 10.42

Total 195.35 14.75 14.74 18.83 47.36 18.01 (38.51)

C OPENING BALANCE - 8.21 45.11 84.42 118.79 123.72 157.03

D NET SURPLUS (A-B) 8.21 36.90 39.31 34.38 4.93 33.30 32.78

E CLOSING BALANCE 8.21 45.11 84.42 118.79 123.72 157.03 189.81


Annexure G
KARANBIR S/O SHRI DALIP SINGH

PROJECTED BALANCE SHEETS


As on March 31st
(Rs in Lacs)
LIABILITIES 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22

Promoter's capital 38.25 42.58 62.86 87.68 109.39 132.16 155.79

Reserve & Surplus 4.32 20.28 24.82 21.71 22.77 23.63 24.31

Term Loan 95.36 88.80 82.24 75.68 69.12 62.56 -

Provision For Planting Material 1.70 8.50 15.30 22.10 - 6.80 13.60

Capital Subsidy 56.00 56.00 56.00 56.00 56.00 56.00 56.00

TOTAL 195.64 216.16 241.22 263.17 257.28 281.15 249.70

ASSETS

Fixed Assets
Gross Block 135.25 135.25 135.25 135.25 135.25 135.25 135.25
Depreciation 4.24 20.64 34.91 47.33 58.15 67.59 75.82
Net Block 131.01 114.61 100.34 87.92 77.10 67.67 59.43

Inventory 0.21 0.22 0.23 0.23 0.23 0.23 0.23

Sundry Debtors 0.21 0.22 0.23 0.23 0.23 0.23 0.23

Deposits (Capital Subsidy) 56.00 56.00 56.00 56.00 56.00 56.00 -

Cash & Bank Balances 8.21 45.11 84.42 118.79 123.72 157.03 189.81

TOTAL 195.64 216.16 241.22 263.17 257.28 281.15 249.70


Annexure - E

KARANBIR S/O SHRI DALIP SINGH

DEBT SERVICE COVERAGE RATIO WITH SUBSIDY


(Rs. in Lacs)
Sr. No. Year Ending 31st March 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22

1 Net Retained Profit 5.09 23.86 29.20 31.02 32.53 33.76 34.72

2 Depreciation 4.24 16.40 14.27 12.42 10.82 9.43 8.23

3 Interest on Term Loan 1.28 4.59 3.78 2.96 2.14 1.33 0.51

Total 10.60 44.86 47.25 46.40 45.49 44.52 43.47 282.59

4 Instalment of Term Loan 1.64 6.56 6.56 6.56 6.56 6.56 6.56

5 Interest on Term Loan 1.28 4.59 3.78 2.96 2.14 1.33 0.51
Total Debt 2.92 11.15 10.34 9.52 8.70 7.89 7.07 57.59

D. S. C. R. 3.64 4.02 4.57 4.87 5.23 5.64 6.15

Average D.S.C.R. 4.91

KARANBIR S/O SHRI DALIP SINGH

DEBT SERVICE COVERAGE RATIO WITHOUT SUBSIDY


(Rs. in Lacs)
Sr. No. Year Ending 31st March 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 2020-21

1 Net Retained Profit 5.09 23.86 29.20 31.02 32.53 33.76 34.72

2 Depreciation 4.24 16.40 14.27 12.42 10.82 9.43 8.23

3 Interest on Term Loan 5.03 10.87 8.94 7.00 5.07 3.14 1.21

Total 14.36 51.13 52.41 50.45 48.42 46.33 44.16 307.26

4 Instalment of Term Loan 3.88 15.52 15.52 15.52 15.52 15.52 15.52

5 Interest on Term Loan 5.03 10.87 8.94 7.00 5.07 3.14 1.21
Total Debt 8.91 26.39 24.46 22.52 20.59 18.66 16.73 138.26

D. S. C. R. 1.61 1.94 2.14 2.24 2.35 2.48 2.64

Average D.S.C.R. 2.22


TERM LOAN WITH SUBSIDY (Rs in Lacs)

TERM LOAN 97.00


INTEREST RATE PER ANNUM 12.45%
MORATORIUM 7 Months
INSTALLMENTS 25

TERM LOAN
YEAR MONTH OUTSTANDING INSTALMENT INTEREST
2015-16 APRIL - - -
MAY - - -
JUNE - - -
JULY 53.85 - 0.56
AUG 88.75 - 0.92
SEP 97.00 - 1.01
OCT 97.00 - 1.01
NOV 97.00 - 1.01
DEC 41.00 - 0.43
JAN 41.00 - 0.43
FEB 41.00 - 0.43
MARCH 41.00 1.64 0.43
1.64 1.28
2016-17 APRIL 39.36 - 0.41
MAY 39.36 - 0.41
JUNE 39.36 1.64 0.41
JULY 37.72 - 0.39
AUG 37.72 - 0.39
SEP 37.72 1.64 0.39
OCT 36.08 - 0.37
NOV 36.08 - 0.37
DEC 36.08 1.64 0.37
JAN 34.44 - 0.36
FEB 34.44 - 0.36
MARCH 34.44 1.64 0.36
6.56 4.59
2017-18 APRIL 32.80 - 0.34
MAY 32.80 - 0.34
JUNE 32.80 1.64 0.34
JULY 31.16 - 0.32
AUG 31.16 - 0.32
SEP 31.16 1.64 0.32
OCT 29.52 - 0.31
NOV 29.52 - 0.31
DEC 29.52 1.64 0.31
JAN 27.88 - 0.29
FEB 27.88 - 0.29
MARCH 27.88 1.64 0.29
6.56 3.78
2018-19 APRIL 26.24 - 0.27
MAY 26.24 - 0.27
JUNE 26.24 1.64 0.27
JULY 24.60 - 0.26
AUG 24.60 - 0.26
SEP 24.60 1.64 0.26
OCT 22.96 - 0.24
NOV 22.96 - 0.24
DEC 22.96 1.64 0.24
JAN 21.32 - 0.22
FEB 21.32 - 0.22
MARCH 21.32 1.64 0.22
6.56 2.96
2019-20 APRIL 19.68 - 0.20
MAY 19.68 - 0.20
JUNE 19.68 1.64 0.20
JULY 18.04 - 0.19
AUG 18.04 - 0.19
SEP 18.04 1.64 0.19
OCT 16.40 - 0.17
NOV 16.40 - 0.17
DEC 16.40 1.64 0.17
JAN 14.76 - 0.15
FEB 14.76 - 0.15
MARCH 14.76 1.64 0.15
6.56 2.14
2020-21 APRIL 13.12 - 0.14
MAY 13.12 - 0.14
JUNE 13.12 1.64 0.14
JULY 11.48 - 0.12
AUG 11.48 - 0.12
SEP 11.48 1.64 0.12
OCT 9.84 - 0.10
NOV 9.84 - 0.10
DEC 9.84 1.64 0.10
JAN 8.20 - 0.09
FEB 8.20 - 0.09
MARCH 8.20 1.64 0.09
6.56 1.33
2021-22 APRIL 6.56 - 0.07
MAY 6.56 - 0.07
JUNE 6.56 1.64 0.07
JULY 4.92 - 0.05
AUG 4.92 - 0.05
SEP 4.92 1.64 0.05
OCT 3.28 - 0.03
NOV 3.28 - 0.03
DEC 3.28 1.64 0.03
JAN 1.64 - 0.02
FEB 1.64 - 0.02
MARCH 1.64 1.64 0.02
6.56 0.51

Year 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22 Total

Principal 1.64 6.56 6.56 6.56 6.56 6.56 6.56 41.00


Interest 1.28 4.59 3.78 2.96 2.14 1.33 0.51 16.59

Months 9 12 12 12 12 12 12 81
Installments 1 4 4 4 4 4 4 25
TERM LOAN WITHOUT SUBSIDY (Rs in Lacs)

TERM LOAN 97.00


INTEREST RATE PER ANNUM 12.45%
MORATORIUM 7 Months
INSTALLMENTS 25

TERM LOAN
YEAR MONTH OUTSTANDING INSTALMENT INTEREST
2015-16 APRIL - - -
MAY - - -
JUNE - - -
JULY 53.85 - 0.56
AUG 88.75 - 0.92
SEP 97.00 - 1.01
OCT 97.00 - 1.01
NOV 97.00 - 1.01
DEC 97.00 - 1.01
JAN 97.00 - 1.01
FEB 97.00 - 1.01
MARCH 97.00 3.88 1.01
3.88 5.03
2016-17 APRIL 93.12 - 0.97
MAY 93.12 - 0.97
JUNE 93.12 3.88 0.97
JULY 89.24 - 0.93
AUG 89.24 - 0.93
SEP 89.24 3.88 0.93
OCT 85.36 - 0.89
NOV 85.36 - 0.89
DEC 85.36 3.88 0.89
JAN 81.48 - 0.85
FEB 81.48 - 0.85
MARCH 81.48 3.88 0.85
15.52 10.87
2017-18 APRIL 77.60 - 0.81
MAY 77.60 - 0.81
JUNE 77.60 3.88 0.81
JULY 73.72 - 0.76
AUG 73.72 - 0.76
SEP 73.72 3.88 0.76
OCT 69.84 - 0.72
NOV 69.84 - 0.72
DEC 69.84 3.88 0.72
JAN 65.96 - 0.68
FEB 65.96 - 0.68
MARCH 65.96 3.88 0.68
15.52 8.94
2018-19 APRIL 62.08 - 0.64
MAY 62.08 - 0.64
JUNE 62.08 3.88 0.64
JULY 58.20 - 0.60
AUG 58.20 - 0.60
SEP 58.20 3.88 0.60
OCT 54.32 - 0.56
NOV 54.32 - 0.56
DEC 54.32 3.88 0.56
JAN 50.44 - 0.52
FEB 50.44 - 0.52
MARCH 50.44 3.88 0.52
15.52 7.00
2019-20 APRIL 46.56 - 0.48
MAY 46.56 - 0.48
JUNE 46.56 3.88 0.48
JULY 42.68 - 0.44
AUG 42.68 - 0.44
SEP 42.68 3.88 0.44
OCT 38.80 - 0.40
NOV 38.80 - 0.40
DEC 38.80 3.88 0.40
JAN 34.92 - 0.36
FEB 34.92 - 0.36
MARCH 34.92 3.88 0.36
15.52 5.07
2020-21 APRIL 31.04 - 0.32
MAY 31.04 - 0.32
JUNE 31.04 3.88 0.32
JULY 27.16 - 0.28
AUG 27.16 - 0.28
SEP 27.16 3.88 0.28
OCT 23.28 - 0.24
NOV 23.28 - 0.24
DEC 23.28 3.88 0.24
JAN 19.40 - 0.20
FEB 19.40 - 0.20
MARCH 19.40 3.88 0.20
15.52 3.14
2021-22 APRIL 15.52 - 0.16
MAY 15.52 - 0.16
JUNE 15.52 3.88 0.16
JULY 11.64 - 0.12
AUG 11.64 - 0.12
SEP 11.64 3.88 0.12
OCT 7.76 - 0.08
NOV 7.76 - 0.08
DEC 7.76 3.88 0.08
JAN 3.88 - 0.04
FEB 3.88 - 0.04
MARCH 3.88 3.88 0.04
15.52 1.21

Year 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22 Total

Principal 3.88 15.52 15.52 15.52 15.52 15.52 15.52 97.00


Interest 5.03 10.87 8.94 7.00 5.07 3.14 1.21 41.26

Months 9 12 12 12 12 12 12 81
Installments 1 4 4 4 4 4 4 25
National Horticulture Board

APPENDIX- 1

COST NORMS AND PATTERN OF ASSISTANCE UDNER MIDH FOR NATIONAL


HORTICULTURE BOARD RELATED ACTIVITIES DURING XII PLAN

S.No. Item Cost Norms* Pattern of Assistance#


A. Development of Commercial Horticulture ##
A. 1 Commercial Horticulture Rs. 75.00 lakh /per project Credit linked back ended subsidy
Development in open (Rs 125.00 lakh for date palm, @ 40% of project cost limited to
field conditions, including olive and saffron) for projects Rs.30.00 lakh per project in general
components viz planting covering area over 2 ha. area and @ 50% of project cost
material, plantation, limited to Rs. 37.50 lakh for NE and
irrigation, fertigation, Hilly and scheduled areas.
precision farming, GAP etc.
Component-wise/crop-wise cost
norms are given at Appendix
- 1. Add on component given in
appendix-1-A may be added in
project mode within over all cost
ceiling
A. 2 Commercial Horticulture Rs 112.00 lakh per project Credit linked back-ended subsidy
Development in protected covering area above 2500 @ 50% of cost limited to Rs.56.00
cover. Sq.mt. lakh per project.
Protected cultivation
1. Green House structure
(a) Fan & Pad system Rs. 1400/Sq. m and Rs. 1610/ 50% of cost for above 2500 Sq.m
Sq. m for hilly areas
(b) Naturally ventilated
system
i) Tubular structure Rs. 844/Sq. m and Rs.970/Sq. 50% of cost for above 2500 Sq.m
m for hilly areas.
ii) Wooden structure Rs. 540/Sq. m and Rs. 621/Sq. 50% of cost for above 2500 Sq.m
m for hilly areas
iii) Bamboo structure Rs. 450/Sq. m and Rs. 518/Sq. 50% of cost for above 2500 Sq.m
m for hilly areas
2. Shade Net House
(a) Tubular structure Rs. 710/Sqm and Rs. 50% of cost for above 2500 Sq.m
816/Sqm for hilly areas
(b) Wooden structure Rs. 492/Sqm and Rs. 50% of cost for above 2500 Sq.m
566/Sqm for hilly areas
(c) Bamboo structure Rs.360/Sqm and Rs.414/Sqm 50% of cost for above 2500 Sq.m
for hilly areas
3.Plastic Tunnel Rs.60/Sq.m and Rs.75/sq. m 50% of cost for above 2500 Sq.m
for hilly area
4 Walk in Tunnel Rs.600/ Sq. m 50% of cost for above 2500 Sq.m
5 Anti Bird/Anti Hail Nets Rs.35/Sq.m 50% of cost for above 2500 Sq.m

74
Operational Guidelines

6 Cost of Planting Material Rs.140/Sq.m 50% of cost for above 2500 Sq.m
and cultivation of High Value
vegetables grown in Poly
House/Shade net House
7 Cost of Planting Material and Rs.700/Sq.m 50% of cost for above 2500 Sq.m
cultivation of Orchid and
Anthurium grown in Poly
House/Shade net House
8 Cost of Planting Material Rs.610/Sq.m 50% of cost for above 2500 Sq.m
and cultivation of Carnation
& Gerbera grown in Poly
House/Shade net House
9 Cost of Planting Material and Rs.426/Sq.m 50% of cost for above 2500 Sq.m
cultivation of Rose & Lilium
grown in Poly House/Shade
net House
10 Plastic Mulching Rs.32000/Ha and Rs.36800/ 50% of cost for above 2500 Sq.m
Ha for Hilly Areas
A. 3 Integrated Post Harvest Rs. 145.00 lakh per project. Credit linked back ended subsidy
Management Projects The add-on components @ 35% of cost limited to Rs.50.75
e.g. Pack House, Ripening of pre-cooling, pack house, lakh per project in general areas
Chamber, Refer Van, Retail grading, packing, cold room and @ 50% of project cost limited
Outlets, Pre-cooling units, can be taken up as individual to Rs. 72.50 lakh per project in NE,
Primary Processing etc. components. Hilly and scheduled Areas, ensuring
backward and forward linkage.
Component wise cost norms of Integrated Post Harvest Management
1 Pack house Rs. 4.00 lakh/unit with size of 50% of the capital cost.
9Mx6M
2 Integrated pack house Rs. 50.00 lakh per unit with Credit linked back-ended subsidy
with facilities for conveyer size of 9Mx18M @ 35% of the cost of project in
belt, sorting, grading general areas and 50% of cost in
units, washing, drying and case Hilly & Scheduled areas for
weighing. individual entrepreneurs.
3 Pre-cooling unit Rs. 25.00 lakh / unit with Credit linked back-ended subsidy
capacity of 6 MT. @ 35% of the cost of project in
general areas and 50% of cost in
case Hilly & Scheduled areas for
individual entrepreneurs.
4 Cold room (staging) Rs. 15.00 lakh/ unit of 30 MT Credit linked back-ended subsidy
capacity @ 35% of the cost of project in
general areas and 50% of cost in
case Hilly & Scheduled areas
5 Mobile pre- cooling unit Rs. 25.00 lakh Credit linked back-ended subsidy
@ 35% of the cost of project in
general areas and 50% of cost in
case Hilly & Scheduled areas
6 Ripening Chamber Rs. 1.00 lakh/MT (11 CuM Credit linked back-ended subsidy
of chamber volume shall be @ 35% of the cost of project in
equivalent of 1 MT of storage general areas and 50% of cost in
capacity) case Hilly & Scheduled areas

75
M' Rgt?oFarm
F'lirnalava
Po!ftlf"f"ir*. n9use,
sre€n polv
house
@isttPanchku|a(H].)
+e1*:t'y.u,--,..--,mrernr@orr
il;'
:ltjii'
*r"tut3sssss6'
;iffi;il;@Jia'com'himaravaasrorarn@smair'com
--
l{li"i"#:3ji3itilii:r.:;r"
Website: wws''himalayaagrofarm'com

wrls.ftarr-t',rbir tnvoice.No. o"t"' ofloft[|


r, 1 4g
rryrtr
Vitl'R.^hLVhe'i Tehtil' or<terlrti.
Dated:

Di&tf. \c'v"tl^^t*Ngt Ho^gt^-ct.

PART IGU LARS

.96Eo
rt'i \'\
5 h.^Aal'{e"l-Itou*z
ft[r*^\vr\txt't Qk"t\

!
1OO% ADVANCEPAYMENT

nlY'
Io r ngricultureuseo ayaAgroFarm
ForHimalaYa
p
iffi$';*,f$gli'*,*i:gllt' Auth.SignatorY
Punj b Agro Farming
(Ht'l
Pard$h,Toh.& Dbtt.Panchkula DoalsIn :
Address : vill. BadiSher'Adjoining tAtltrD..of-gngt gna hotmpoly
houre'
Phone: +91-9513000006,
puniabagrofarming@amil.com tilii;fiin-r'fiiqn,ryttt!.!ggg
gniu tronc&rflgro16#fr;#;ioi;
twreu

M/s. k6q*lrlt orte: ofl'1\1


tnyotcehro.241
Vill.RuhlEkhe'i, l\\.lry'.^Jhi
order No, Datod:
Dta+f.)o, tv.r lt"ugrv.c-

PARTI

D R"aePi",l< +ae

q)
D"ig }*dg"hovt, Ira.5

3S
?) A,$i Bivdt{/+ iSolooo

TAX FREE

ForAgricu re useonly.
AgmFarming
ForPunlab
wlth in 15 d.Y3.
thls bill d lny thno'
Pavment(100% PrYnnt)
b€avrllabhaftr] loul wrrkr
in wour of PunlabAgroFatnlng
Ar{h.SignatorY
K Brnk Lld.
VISHVIGRIVIA
BUITDERS& CONTRACTORS
To

Karanbir

VillageRuhlaKheri' ehsil Jagadhri

Distt.Yamuna

Haryana
GOSTESTIMATEAND OUOTATIONS

1) LabourQuatars
= 15x15=225x2

Area = 450 Sqf

Rs.667Sqf

667=Rs. 3'00'150/-

2) Glod Store
= '16x25=
400x1

Area= 400 Sqf

Rs. 1060Sqf

1000= Rs' 4,00,0001-

3) Boundary and Gateand Polls


PollsQ 440
PollsRate (PerPolls)
440 x 450 = 1,98,000t-

of
Deolsin:Consiruction including
ondBuilding
commerciol Inlerior worktholisflooring,
finishing
& Aluminum& Woodwork& oll Civilworksefc.
P.O.P.
ShopNo.1,# 273/1, Mohotlo.DeroBossi,Distt.S.A.S.Nogor,Moholi,Puniob-I40507
Ph:+91-991 +91-9t668406&,E-moil: vishvkormobuilders50@gmoil.c0m
VISHVIGRIVIA
BUITDERS& CONTRACTORS

F
Boundary Wire
Gl Wire rate Per @ Rs.62l-
Totalweightof Wire2700kg
2700x62 = Rs.
BoundaryWall 35000/-

Total Cost nd /off= Rs.400,400/-

(1)
4) Borewell

Gost Around /ofF 4'00'000/-

5) Soil
Cost Around/ofF 4,00,0001
6) Land
CostAround/off=2,00'0001

7) WaterPound BlackplasticSheet500Mic.

500,000Ltrs

I Cost Around /off= Rs. 6,00,000/'

Total Rs.2700,5501

of
Deolsin:Construdion ondBuildingincluding
commerciol worklhotis flooring,
finishing
Interior
& Aluminum& Woodwork& oll Civilworkselc.
P.O.P.
ShooNo.1, # 274\, Mohollo,DeroBossi,Distt S.A'S.Nogor,Moholl Puniob-140507
Ph:+91-991 +91-9466840660,
E-moil: vishvkormobuilders50@gmoil.com
VISHVIGRIVIA
& CONTRACTORS

BANK DETAILS FOLLOW:-

& CONTRACTORS
BUILDERS
A/C NAME:

L/C NO.:752 1000040

IFSC/RTGS vtJ80007527
S'A'S' NAGAR
BNAKNAME: A BANK,DERABASSI,PUNJAB, DISTT'
MOHALI,PUNJAB
BUILDERS&
CHEQUE OR DD BE MADEIN FAVOUROF'VISHVKARMA
BASSI
CONTRACTORS'AYABLEAT DERA
& Contr.
Builders

'
Direci

VISHVKARMA & CONTRACTORS

of
Deolsin: Conslrudion Inlerior
ondBuildingincluding
l, commerciol worklhol is flooring,
finishing
Poi & Aluminum& Woodwork& oll Civilworkselc'
P.O.P.
ShopNo.1,# 27U1, m Mohollo,DeroBossi,Distf.S.A.S.Nogor,Moholi,Puniob-120507
Ph:+91-991 +91-9t6840660,E-moil: vishvkormobuildersso@gmoil.com
PUNJAB
AGRO TARMING

A6REEMENT
2015 at Panchkula'Haryana
The deed agreementexecutedon this day 07 July
Distt' Yamuna Nagar'
;;;; i4;." lGranbir Vill. Ruhla Kheri iehsil Jagadhri
..Farmer")which expressionshall be deemedto include
li;;;" iH"r"in called
his/herheirs,executorsand administrator'

And

by farmerfor installationof Shade


PUNJABAGRO FARMING'A firm Selected
Net (6reen House)and to
Net Housewith AluminumNet with Aluminum Distt'
pRovlDE AFTERSALESERVICES , havingits Siteofficeat village. Raliwati'
Haryana'
l2 Panchkula lndia
;;il, C Regd.offices.o' ii ttt Flooi'Sector on the third
and assigns
shallbe deemedto includeits successors
which expression
by JagmalSinghRana)
part (Represented
of
AGRO FARMINC For the installation
FarmerthereforeapproachedPUNJAB (GreenHouse)having
Net Housewith Aluminum Net
naturallyventilatedSfraae''S0-OO
are of approx' SOlMf at their site in Vill' Ruhla Kheri Tehsil
measured
JagadhriDistt. Yamuna Nagar' Haryana
of above
agreed to. organize installation
PUNJAB AGRO FARMING' Has
Net (Lreen House)at farmer'sfield
mentionedShadeNet ff""rl'*itf,"efr?"inum of eachparty
following terms uJ tonaition ' obligations' Responsibilities
on the
are asunder :

Preinstallationactivities:-
land
AGRO FARMING will be conduct site survey at farmer's
1. PUNJAB to be
Aluminum Net (GreenHouse)is
where the Snuat Nti House with and make
*iil alsopreparedesign
erected'PUNJAB'oZnoionrtniNc'
constestimates'
Net House
work order to.completehis Shade
2. Farmeralsoherebygivesthe This is beingdulv accepted bv
with Aluminu-
PUNJABA6RO FARMING
"i"?"ia;"Houi"l'

FARMING I.
AGRO
PUNJAB
Teh.
Raiwali,
Site: Village Narayangarh. Ambala
Distt. {HR)
Regd. 75,First
: SCO
Office Floor, 12,
Sector Panchkula
punjabagrofarming@gmail.com,
info@punjabagrofurming.com, com
wwwpuniabagrofarming
+91-9513000006, +91
+91-95S2655655, -9532555655
PUNJAB
AGRO TARMTHG

per
3. Farmeris her$y agreedto undertakeland work at his own cost as
adviceof PUNJABACRO FARMINCand handover the siteto PUNJAB
ACROFARMING. of structure'
for installation

4. Farmeris also agreedto provide facilitieslike electricityand water


requiredduri installationof structurefree of cost'
and
5. PUNJABA O FARMING shall undertake installation activities
completei llation work in a maximum period of 90 day of handling
over of clear e and disbursal of bankloan'

6. Farmer to provide safestorageplaceto PUNJABAGRO FARMIN6


of
for storing ou, .otpon"nts/instrumenti subjectto watch and ward
farmer.

Termsof
lO0 o/o Payment.
Payment : INR
Countryof & Supply: lsrael

DeliveryDetails: payment'
Delivery7 to O daysfrom confirmationorder and advance

Other of the farmer


the
l . Farmer is :ed to settle (pay or receive ) the account .'after
AGRO FARMING has
installation ,i*.,ur" on the field and PUNJAB
agreedto col ect/pay the differenceamount'

O FARMINGwill not be responsible for any consequences


2 . PUNJAB to amendments
like ent contributeentitlementvariation due out of
arising
issuedbY ;;;.;;i . reductionin yield, crop damageetc'
disposal/ sale/ damage of the
such changei -oJiri.ution / removal /
structurebY

3 . PUNJAB
equipment/

FARMING
AGRO
PUNJAB
Distt.Ambala(HRl
Teh.Narayangarh,
Site: VillageRaiwali,
Reod. 75,FirstFloor,
ffice : SCO 12,Panchkula
Sector
punjabagrofu
rming@gmail.com, com
www.puniabagro{arming
+91-9513000000. +91-9592555655
+91-9592655655.
PUNJAB
AGRO FARMING

4. Thefarmerhas ensurethe safetyof the materialfrom the date of the


suppliedmat I comingin to the possessionof the farmer.PUNJAB
A6RO FARM G shallnot be responsible for any loessand /or damage
duringhis and the farmerhasto insurethe costinvolved in
replacing / lost material.

Otherterms:

1 . The farm ty doesn't depend on the use of structurealone. lt is


also impa by other factorssuch as planting material, applicationof
input in of quantity and schedule'incidenceof diseases' the soil
quality and ther conditionsetc. Hence the scopeof responsibilityof
PUNJABA O FARMING is limited to the installation of structure,
technical nceand interactionwith the farmer.

2 . PUNJAB O FARMING is not responsiblefor any consequential


damages
/ litiesbeyondthe controlthe PUNJABACRO FARMINC

PUNJABA O FARMINC will guide the farmer after completion of


structure a detailsof operation,activities,maintenancefor successful
performance.

4. The farmer ould not create any unpleasantsituation and should not
inflate, te or over estimateinconveniences or damagesor loss'if any
andtry to e differencesand disputesif any amicably'

5. lf at any during the continuanceof this contract'the performancein


shall
whole or in rrt by-eitherparty of any obligationunder this contract
or delayedby reasonof any war , hostility, act of the public
bep
epidemics'
enemy , clvl commotion , sabotage, fires , flood, explosion'
ion , strikes,lick -out or actt of God (herein refereed to
quarantine
as event) provided written notice of the happeningof any.such
event is ty either party to the other with 60 daysfrom the date of
by entitled
occurrence :etf , neitherparty shallby reasonof such event
claim for damages
to terminatehis contractnoi shalleitherparty have any
againstthe er in respectof suchnon-performance or delay in

PUNJAB FARMING
AGRO
Site:VillageRaiwali, Distt.Ambala
Teh.Narayangarh, {HB)
Begd.0ffice:SCO Floor,
75,First 12,ltnchkula
Sector
punjabagrofu www.puniabagrotarming.com
rming@gmail.com,
+91-951
3000006, +91-9592555655
+91-9592655655,
PUNJAB
AGRO FARMING

performanceand deliveries/
services
underthiscontractshallbe resumed
a5 500n a5 e after suchevent hascometo end or ceasedto exist.

6. Any suitor ng to enforcesthe rights of either party this agreement


shallbe i ed and tried only by a court in the city of Distt. Panchkula
and by no courtr,and partiesheretoexpressly
agreeto submitto
j
exclusive of courtsin Distt.Panchkula.

7. The contents f this agreementhavebeenexplainedfully to the Famerand


the farmer signedthis agreementfully understandingthe contentsof
this

5ignatures Farming)

I
i
(Farmer)
i*---
:

FARMING
AGRO
PUNJAB
Site: Village Teh.Narayangarh,
Raiwali, (HB)
Distt.Ambala
Hegd. ffice : SCO
75,First
Floor, 12,
Sector Panchkula
gmail.com,
punjabagrofarming@ www.puniabagroiarming.com
+91-9592555655
+91-9592655655.
+91-9513000006.
PUNJAB
AGRO TARMING

WATERTESTREPORT OFMl'.I{IANB|R vlLL' RUHLA


TRRIGATION NAGAR,HARYANA
KHERITEHSILJAGADHRIOISTT.VNT',TUUA

ALLcRoPs
SUITABLETOR
ECw SAFEFORALLCROPS.
(dS/m)
TDS
cRoPS
ilurrnelEFoRALL
Sodium(Na) iilvenY sAFELIMIr
ilurrneLEFoRALLcRoPS

oFFIcERS
r& wnrenTESTING

FARMING
AGRO
PUNJAB
Distt.Ambah{HR)
Teh.Narayangarh,
Site: VillageRaiwali,
Begd. 75,FirstFloor,
0ffice: SCO 12,hnchbla
Sector
puniabagrofu
rming@gmail.com, rming.com
www.punlabagrofu
+91-9592555655
+91-9592655655,
+91-9513000006,
PUNJAB
AGROFARMING

SOIL TEST RT OF OF OF OF MR, KARANBIRVILL. RUHLA KHERI


TEHSIL RI DISTT.YAMUNANAGAR,HARYANA

pH(1:2.5) SLIGHTALKALINE
RANGE,
LITTLEPROBLEMOF
MICRONUTRIENT
ELEMENTS.
EC (dSm,-1 NORMALRANGE, SUITABLE
FORALL CROPS
MEDIUMRANGE, APPLY
ORGANICMANURE
MEDIUMRANGE,APPLY
RECOMMENDED DOSEONLY
Availablep HIGHRANGE,REDUCE
RECOMMENDED DOESBY
25o/o
MEDIUMRANGEAPPLY
RECOMMENDED DOESONLY

OFFICERS
SOILTESTING

AGRO
PUNJAB FABMING
Site: VillageBaiwali, Distt.Ambala
Teh.Narayangarh, {HR}
Begd. 75,
0ffice: SCO Fl00r,
First 12,Panchkula
Sector
www.puniabagmfarming.com
puniabagrofarming@gmail.com,
+91-9592555655
+91-95s2655655.
+91-9513000006.