Area Development Schemes Baksa District
राष्ट्रीय कृ षि और ग्रामीण षिकास बℂक असम क्षेत्रीय कायाालय, गुिाहाटी National Bank for Agriculture and Rural Development Assam Regional Office G. S. Road, Dispur, Guwahati - 781 006 Tel: 2232228, 2232246, Fax: 0361- 2235657 Area Development Scheme - Assam
मु奍य महाप्रबंधक के कलम से ...
अभी भी असम मᴂ कृ षि प्रथाएँ प्रमुखतः एकल फसल पर आधाररत है। जहाँ, इस पारंपररक मनस्थथतत को बदलने के ललए, अन्य क्षेत्रⴂ मᴂ ध्यान केस्न्ित करने जैसे अनेक उपाय ककए जा रहेहℂ, वहाँ पर डेयरी, सूअर पालन, बकरी पालन, मत्सथय पालन जैसे संबद्ध गततषवधधयⴂ ने ग्रामीण असम के सांथकृ ततक, सामास्जक एवं आधथकि बनावट मᴂ महत्सवपूणि भूलमका तनभाई है।
नाबाड ि ने इन अनुिंगी गततषवधधयⴂ की महत्सव को समझत े हुए, षवशेिकर तनरंतर लाभप्रद आय प्रदान करने मᴂ, असम के सभी स्जलⴂ मᴂ क्षेत्र षवकास योजनाओं के तनमािण की सुषवधा के ललए पहल की है।
इन योजनाओं के बारे मᴂ सभी हहतधारकⴂ यानी संबस्न्धत षवभागⴂ, बℂकरⴂ और गैर सरकारी संगठनⴂ के साथ लमलकर इस हदशा मᴂ संक쥍पना ककया गया एवं षवचार-षवमशि के बाद आम सहमतत से इन्हᴂ अंततम 셂प हदया गया है। षवलशष्ट पररयोजना क्षेत्रⴂ मᴂ शाखाओं की पहचान की गई है तथा अगले पाँच विⴂ अथाित 2018-19 से 2022-23 तक षवषवध क्षेत्रⴂ के तहत बकℂ कं ग योजनाएँ तैयार की गई हℂ।
सही हदशा मᴂ उठाए गए छोटे छोटे कदमⴂ को जब एकजुट कर ललया जाता है तो इससे बहुत बड़ा फकि हदखाई देता है। बकℂ कं ग योजनाओं के बारे मᴂ बतात े हुए मुझ े असीम खूशी महसूस हो रही है स्जसमᴂ असम के डये री, सूअर पालन, बकरी पालन, मत्सथय पालन और बुनाई क्षेत्र को सुषवधाजनक बनाने के ललए बकℂ रⴂ 饍वारा लगभग 셁.802 करोड़ की बड़ी रालश की पररक쥍पना की गई है।
ककसानⴂ तक आधार थतरीय ऋण प्रवाह की वषृ द्ध करने मᴂ ये बकℂ कं ग योजनाएँ लंबे समय तक सहायक हⴂगी तथा “2022 तक ककसानⴂ की आय को दोगुना करना” अधधदेश की उपलस्धध की ओरइसका प्रबल योगदान भी रहेगा। ऋणⴂ के संबंध मᴂ हो रहे गैर-तनष्पाहदत आस्थतया(एनपीए) को लेकरबℂकरⴂ की वाथतषवक शंका को नाबाडि समझता है। इस जोखखम को कम करने के ललए, नाबाड ि ने अनेक स्जलⴂ मᴂ संयु啍त देयता समूह कायिक्रम के साथ क्षेत्र षवकास योजना को लमला हदया है। क्षेत्र षवकास योजनाओं के तहत गैर सरकारी संगठनⴂ के माध्यम से पोषित संयु啍त देयता समूह लाभाथी हⴂगे, जहाँ गैर सरकारी संगठन ऋण संषवभाग की गुणवत्सता बनाये रखने मᴂ सहायता करᴂगे और उधचत अदायगी नीतत को सुषवधाजनक बनाएँगे।
मुझ े पूरा षवश्वास है कक नाबाड ि की इस पहल का पररणाम बहुत ज쥍द ही 2018-19 मᴂ शु셂 होने जा रहे बकℂ कं ग योजनाओं मᴂ हदखाई देगा। इसी सकारात्समक सोच के साथ म ℂ पूरे हदल से सभी हहतधारकⴂ को इस महान उ饍यम मᴂ सहभागी बनने के ललए आमंत्रत्रत करती हूँ।
[राजश्री के ब셁आ] मु奍य महाप्रबंधक नाबाडि, असम क्षेत्रीय कायािलय, गुवाहाटी
Area Development Scheme - Assam
From Chief General Manager’s Desk
Agriculture in Assam is still predominantly practiced in the mono-cropping mode. Although many inroads have been made in focused areas to break this traditional mindset, allied activities such as dairy, piggery, goatery and fishery, have played an important role in the cultural, social and economic fabric of rural Assam.
NABARD recognizing the importance of these allied activities, especially given the steady profitable income, has taken the initiative to facilitate formulation of Area Development Schemes in all the districts of Assam, from 2018-19 to 2022-23, under various sectors.
Small steps in the right direction make a big difference when aggregated. It gives me immense pleasure to share the Banking Plans wherein a whopping `802 crore has been envisaged by the bankers to facilitate the Dairy, Piggery, Goatery, Fishery and Weaving sectors in Assam.
These Banking Plans would go a long way in increasing the Ground Level Credit to farmers and contribute immensely towards the achievement of “Doubling of Farmers’ Income by 2022” mandate. NABARD understands the genuine apprehension of the bankers regarding loans going NPA. To mitigate this risk, NABARD has converged the Area Development Scheme with its Joint Liability Group programme in many districts. Joint Liability Groups nurtured through NGOs would be the beneficiaries under the Area Development Schemes, wherein the NGOs would help in maintaining the quality of the loan portfolio and facilitate good repayment ethics.
I am confident this initiative of NABARD will culminate into the Banking Plans being launched soon in 2018-19. On this positive note, I welcome all the stakeholders to wholeheartedly participate in this noble venture.
[Rajashree K Baruah] Chief General Manager NABARD, Assam Regional Office Guwahati
PIG FARMING
Area Development Scheme - Pig Farming Baksa District Area Development Scheme on Pig Farming
1. Introduction
The economy of the district is predominantly agriculture based. The district has a net sown area of 69404 ha, constituting about 66% of the geographical area. 70% of the work force is engaged in agriculture, the most important crop of the district is paddy covering nearly 74% of the gross cropped area of 115497 ha. Other important crops are vegetables (9%), mustard (8%), and horticultural crops (6%). The crops cultivated in the district are Paddy, Wheat, Mustard, Lentil, Potato, Jute, Vegetables. Pig farming provides livelihood support to the poor, underprivileged, landless and marginal farm households. The pig production systems are mainly subsistence-oriented but in view of the rising demand for meat, there is a great scope for their commercialization in the district. Baksa district is inhabited by population of Bodo, Kochari, Sonowal and Rajbongshi tribes who traditionally prefer pig rearing. There is very good market for pork in the district. Piggery farm is a profitable business for them. There is a good potential for piggery farming in the district which would help in enhancing self-employment generation. The tribal population prefer pig breeding as a traditional activity and their economy contributes to the district’s economy.
Most of the piggery farmers in the district are small and marginal farmers, undertaking piggery farming in an unorganized way with own land and some are tenant farmers. Some of the farmers have undertaken the activity individually in their backyard while some have been done under the Joint Liability Group mode.
Most of the farmers rear indigenous type of pigs. Some also undertake farming with Hampshire HSX 1 type. The advantages of pig farming are many. Pigs have got the highest feed conversion efficiency i.e., they produce more live weight gain from a given weight of feed than any other class of meat producing animals except broilers. Pig can utilise wide variety of feed viz., grains, forages, damaged feed and garbage and convert them into valuable nutritious meat. However, feeding of damaged grains, garbage and other unbalanced ration may result in lower feed efficiency. They are prolific with shorter generation interval. A sow can be bred as early as 8-9 months of age and can farrow twice in a year. They produce 6-12 piglets in each farrowing. Pig farming requires small investment on building and equipment. Pigs are known for their meat yield, which in terms of dressing percentage ranges from 65–80% in comparison to other livestock species whose dressing yields may not exceed 65%. Pork is most nutritious with high fat and low water content and has got better energy value than that of other meats. It is rich in vitamins like Thiamin, Niacin and Riboflavin. Pig manure is widely used as fertilizer for agriculture farms and fish ponds. Pigs store fat rapidly for which there is an increasing demand from poultry feed, soap, paints and other chemical industries. Pig farming provides quick returns since the marketable weight of fatteners can be achieved within a period of 6-8 months.
Considering the importance of pig production in enhancing the rural livelihood and as a good solution to the unemployment/underemployment problems amongst the rural youth, the Area Development Scheme has been formulated.
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Area Development Scheme - Pig Farming Baksa District 2. Forward and Backward Linkages
2.1. Availability of Piglets As per Live Stock Census, 2012, there are 80612 pigs in Baksa District. Pigs are reared in small units and technical skill required is of low intensity. Selling pork meat is easy in the nearest market place and towns. Market for pig is also readily available due to acceptability of pork amongst large segment of population in the district and in neighbouring states. Baksa, due to its central location and better connectivity, has the potential to develop as supplier of crossbred piglets to other districts in Assam. For investment in fattening purposes a 3+1 unit of piglets can serve as a viable unit. For breeding purpose optimal unit size for investment can be varied to suit the investor’s management capacity. 2.2. Veterinary and Cross Breeding Infrastructure
Veterinary services will be provided by experienced veterinary doctors hired by the SHGs. However, in addition, Department of Animal Husbandry, Government of Assam may depute Veterinary Surgeons on a weekly basis from the Barama Block Veterinary dispensary to the project area for vaccination, disease surveillance and treatment of the animals. Artificial Insemination services and primary health services could be provided by Regional Artificial Insemination Centre at Barama Block Veterinary dispensary.
2.3. Feed and Fodder Development Feed plays an important role in successful pig production. The quality of the ration determines the rate of growth of young pigs to a great extent. Pig is an omnivorous animal and can utilize feed of both animal and vegetable sources. Pig, being a mono-gastric animal requires all nutrients including good quality proteins and vitamins in proper amounts and proper proportions. A carefully planned feeding programme is, therefore, important for a successful swine production. It is obvious that pig feeding must be as economical and efficient as possible. Tapioca chips, tapioca flour, thippi or tapioca waste, rubber seed cake, tobacco seed cake, mango seed kernel, molasses, fallow, hatchery waste etc., along with various agro-industrial products can be incorporated in pig rations. Garbage, such as kitchen waste and other vegetable waste can also be useful feed if properly cooked and fed. In large cities, garbage is available in large quantities which can be well processed and fed to the pigs. 2.4 Marketing Infrastructure People of Assam and the North Eastern States mostly prefer fresh meat. Hence butchers’ shops are the major source of supplying meat to the consumers. The butchers procure live animals from the neighbouring villages or from the middlemen. As there is no monitoring system to assess the quality of meat in small towns or rural areas, so the butchers are virtually not accountable to any authority and hence, they run their business according to their own will. Most of the 2
Area Development Scheme - Pig Farming Baksa District butchers sell meat in temporary sheds constructed above the ground with bamboo mat and with or without any sidewall. There is no glass or net in their shop. Trading of pigs and pork is done in the local markets as well as in neighboring districts and states like Meghalaya. 3. Selection of the Area Considering the geographical scenario of the area, number of pig rearers, consumers and market demand, Barama Block in Baksa district has been selected. Area Development Scheme in Barama Block for the district is proposed to be operationalized through the medium of Individuals, Self Help Groups (SHG) and Joint Liability Groups (JLG). SHG is an informal group of 10-20 members and JLG is an informal group of 4-10 members. JLGs are formed for the purpose of availing bank loan on individual basis or through group mechanism against mutual guarantee. An NGO viz., Janashakti Biksash Mancha has also shown its willingness to be involved in implementation of the scheme.
One Farmers’ Producer Company viz., Dagafu Pisiculture and Agro Producers Company promoted under NABARD support has already started functioning. The company will help for aggregation and market linkage. There is huge demand for pig meat in Assam and North Eastern State.
4. Selection of Beneficiaries Beneficiaries under the Area Development Scheme will be selected by Block AH & Veterinary Department in association with the bank branches viz., AGVB, SBI, UCO, UBI and ACAB Ltd. Preference will be given to beneficiaries having access to fodder and experience in pig rearing. 5. Training and Capacity Building of Beneficiaries Block Animal Husbandry and Veterinary Office imparts training for Piggery Development. Under Cattle Insurance Program several workshops have already been organized by the department to increase capacity building of Piggery Farmers. NABARD would facilitate capacity building of beneficiaries through intensive skill development training either exclusively or in association with District Veterinary / AH & Vet. Department involving LDM, Branch Managers, R’SETI and KVK etc. 6. Techno-Economic Assumptions and Project Component Cost Chart Sl. No. Particulars Physical Unit
1 Crossbred Pigs Breed
No. of Animals 2 No of Boar (No.) 1 or 2 1
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Area Development Scheme - Pig Farming Baksa District Sl. No. Particulars Physical Unit
No of Sow (No.) 3 or 10 3
No of Animal in First Batch 1
No of Animal in Second Batch 1
No of Animal in Third Batch 1
No. of Months after which Second and Third batch 2 animal Purchased after First
Stage at which the animal is bought(Months) 3
Body Weight of Animals(Kg/Animal) 25
Rate of Animal(./kg body wt) 150
Cost of Animal (`. /Animal) 3750
Cost of Transportation (`. / Animal) 250
3 Cost of Equipment (`./Animal) 800
Housing
Shed - Area (Sq. Ft.) 290
Cost of Construction of Shed (`./Sq.Ft.) 300 4 Open Area (Sq Ft) 310
Cost of Construction of open area (`./Sq ft) 100
Family labour used for housing (lumpsum `..) 0.00
Feed Requirement
Boar (Kg/Animal/Day) 3
Sow (Kg/Animal/Day) 3.50
Weaner (up to 2 months) (Kg/Animal/Day) 0.20
Fattener (3 to 5 months) (Kg/Animal/Day) 1.50 5 Fattener (6 to 8 months) (Kg/Animal/Day) 2
Agricultural Waste (%) 70
Cost of Agricultural Waste (`./Kg) 0.50
Concentrate Feed (%) 30
Cost of Concentrate (`. /Kg) 25
6 Insurance Premium (%) 1 Year(5%)3 Years(7%) 7
Technical Specifications 7 Pregnancy Period ( Months) 4
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Area Development Scheme - Pig Farming Baksa District Sl. No. Particulars Physical Unit
Lactation Period ( Months) 2
No of piglets per farrowings 8
Mortality among weaners(%) 20
Mortality among fattener(%) 10
Age at Maturity (Months) 9
Medicines and Ovehead 8 Veterinary Aid (`./Animal/Year) 3000
Financial and Banking Specifications
Age of Fattener at Sale (months) 8
Weight of fattener at Sale (Kg) 80
Rate of Fattener at sale (`./Kg) 150
Price of Fattener at Sale (`.) 12000
Income from sale of manure (`./Year) To be utilised as 0.00 9 FYM
Salvage Value of all animals /value of closing stock at the 99000 year end (`.)
Margin (%) 15
Interest Rate (%) 12
No. of Days in a Year 360
Repayment Period (5 to 7 Years) 5
Herd Projection Chart
YEAR I II III IV V VI
All Batches
Growing Boar - months 6 0 0 0 0 0
Growing Sow - months 18 0 0 0 0 0
Boar-months 6 12 12 12 12 12
Sow-months 18 36 36 36 36 36
Weaners-months 36 72 72 72 72 72
3 to 5 months fatteners months 0 90 90 90 90 90
6 to 8 months fatteners months 0 90 90 90 90 90
Sale of fatteners (no) 0 15 30 30 30 30
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Area Development Scheme - Pig Farming Baksa District Water Requirement
Sl. No. Maturing Age ( in weeks ) Requirement (in litres)
1 8-12 3-5
2 13-18 6
3 19-24 7.5
4 25 8
7. Partners in Implementation of the Project The partners in the implementation of the project would consist of participating bank branches, LDM, KVK, RSETI, Piggery Farmers, Department of Animal Husbandry, NABARD and District Administration.
8. Project Cost Project cost of the (3+1) Piggery - Breeder cum fattener unit - 3 Crossbred sows and one exotic boar is as under. Breeder cum fattener Unit Cost
Sl. No. Cost Specifications No of animals `/ unit Amount (`)
1 Pig sty Sft. per animal No. `/sft
i Boar 70 1 250 17500
ii Sow 60 3 250 45000
2 Fattener shed 12.5 20 250 62500
3 Equipments 3000
4 Cost of Piglets
i Boar 3 months 1 4000 4000
ii Sow 3 months 3 2500 7500
Supplementary Total 5 Feed (Kg) No. feed (Kg) i Concentrate feed 1134 25 28350
Creep feed for ii piglets (up to 9 27 25 6075 weaning)
6 Insurance 5% 1946
Total 175871
Say 176000
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Area Development Scheme - Pig Farming Baksa District Phasing of Investment Cost (Amt. in `)
Phasing of Purchase Housing Equip Feed Medicines Insurance Total Investment of Animal ment Cost and Cost overhead
Quarter I 11500 125000 3000 5737 100 1946 147283
Quarter II 5737 100 5837
Quarter III 5737 100 5837
Quarter IV 5738 100 5838
Quarter V 5738 100 5838
Quarter VI 5738 100 5838
11500 125000 3000 34425 600 1946 176471
Phasing of Loan (Amt. in `)
Phasing Purchase Housing Equipme Feed Medicines Insur Total of Loan of Animal nt Cost and ance overhead Quarter I 9775 106252 2550 4876 85 1654 125192
Quarter II 4876 85 4961
Quarter III 4876 85 4961
Quarter IV 4877 85 4962
Quarter V 4877 85 4962
Quarter VI 4877 85 4962
9775 106252 2550 29259 510 1654 150000
9. Banking Network and & Trend in Credit Flow
Baksa district has a network of 37 bank branches as on 31 March 2017. There are 09 Commercial Banks including Private Banks, 01 RRB (Asssam Gramin Vikash Bank) with 16 branches. In addition there are 24 PACS are operating in the district. The banks overall CD Ratio in the district was 39% as on 31 March 2017. The GLC flow under the priority sector during the last five years has been observed to be fluctuating. The credit flow to priority sector during 2016-17 was `19581.34 lakh which was 50% of DCP target in 2016-17. Only one bank branch is operating in that area. Two Fixed CSP centres caters to the need of these seven villages. The scheme will be implemented through Assam Gramin Vikash Bank.
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Area Development Scheme - Pig Farming Baksa District 10. Physical and Financial Programme
5 years Banking plan has been prepared by NABARD, Assam Regional Office for implementation by banks starting from 2018-19. The project would be implemented on pilot basis Barama Block in Baksa district.
Farmers, individual entrepreneurs, SHGs, JLGs, NGOs, companies and partnership firms are eligible for availing loan for establishing pig breeding unit, pig breeding-cum-fattening unit and retail outlets. (` in Lakh) Total Name of Bank Phy Units Financial AGVB 105 184.8 Total 105 184.8
11. Project Profitability
Calculation of profitability of the project with 3 sows and 1 boar is as under: (Amt. in `)
Income Year Year Year Year Year Year I II III IV V VI Sale of fattener 0 180000 360000 360000 360000 360000
Sale of Manure 0 0 0 0 0
Value of closing stock 99000
Total Income 0 180000 360000 360000 360000 459000
Expenditure
Amount of Feed
Breeding Stock
Growing Boar (3 to 8 months) 360 0 0 0 0 0
Growing Sow (3 to 8 months) 1080 0 0 0 0 0
Boar 540 1080 1080 1080 1080 1080
Sow 1890 3780 3780 3780 3780 3780
Weaner (up to 2 months) 216 432 432 432 432 432
Fattener (3 to 5 months) 0 4050 4050 4050 4050 4050
Fattener (6 to 8 months) 0 5400 5400 5400 5400 5400
Sub Total 4086 14742 14742 14742 14742 14742
Feed Cost 32075 115725 115725 115725 115725 115725
Veterinary and other Expenses 600 12000 12000 12000 12000 12000
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Area Development Scheme - Pig Farming Baksa District
Income Year Year Year Year Year Year I II III IV V VI Insurance 1946 4950 4950 4950 4950 4950
Miscellaneous expenses 1000 1000 1000 1000 1000 1000
Total Expenditure 35621 133675 133675 133675 133675 163159
Less Capitalised Expenditure 35621 2350
Total Expenditure after netting Capitalised expenditure 0 131325 133675 133675 133675 163159
Gross Surplus 0 48675 226325 226325 226325 295841
Operating Profit Before Interest and Depreciation -35621 46325 226325 226325 226325 295841
Net Profit -35621 46325 226325 226325 226325 295841
12. Financial Analysis The financial analysis for 3 sows and 1 boar is as under:
(Amt. in `) Cash flow and Year Year Year Year Year Year Calculation of IRR I II III IV V VI
Investment Cost 176000 0 0 0 0 0
Recurring Cost 0 131325 133675 133675 133675 163159
Total Cost 176000 131325 133675 133675 133675 163159
Income 0 180000 360000 360000 360000 459000
Net Income -176000 48675 226325 226325 226325 295841
NPW of Total Cost @ 15% 153043 99300 87893 76429 66460 70538
553664
NPW of Income @ 15% 0 136106 236706 205831 178984 198438
956065
NPW of Net Income @ 15% -153043 36805 148813 129402 112524 127900
402401
Benefit Cost Ratio 1.73
IRR 55.5%
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Area Development Scheme - Pig Farming Baksa District
13. Sensitivity Analysis The above financial analysis has been recalculated taking into consideration 5% increase in cost and 5% decrease in benefits and indicated below: (Amt. in `)
Cash flow and Year Year Year Year Year Year Calculation of IRR I II III IV V VI Total Cost after 5% 184800 137891 140358 140358 140358 171317 increase Total Income after 5% 0 171000 342000 342000 342000 436050 reduction Net Income -184800 33109 201642 201642 201642 264733 NPW of Total Cost @ 160696 104265 92288 80250 69783 74065 15% 581347 NPW of Income @ 15% 0 129301 224871 195540 170034 188516 908262 NPW of Net Income -160696 25035 132583 115289 100252 114451 Income @ 15% 326915 Benefit Cost Ratio 1.56 IRR 44.30%
14. SWOT Analysis Strengths: . Good supplementary activity in the scheme area for doubling the farmers’ income. . Adequate availability of forward and backward linkages in the scheme area. Weaknesses: . Limited fodder availability in the scheme area. . Inadequate awareness among the farmers on scientific rearing.
Opportunities: . Growing demand for meat from consumers in the area due to increasing in income level. . Proximity to demand centres / markets. Threats: . Changes in Govt. policy leading to adverse procurement price. . Weak monsoons adversely affect the meat production and thereby meat procurement. . Climate change may also affect growth of pigs. 10
Area Development Scheme - Pig Farming Baksa District
15. Repayment The repayment is considered to be 5 years including moratorium period.
A. Bankability (Amt. in `) Year I II III IV V Unit Cost 176000
Margin (%) 15
Bank Loan 140076 9924
Rate of Interest (%) 12
Loan O/S at the beginning of the year 140076 166809 144568 100759 54959
Accrual of interest 16809 20017 17348 12091 6595
Gross Surplus 0 48675 226325 226325 226325
Repayment of Interest 0 20017 17348 12091 6595
Repayment of Principal 0 22241 43809 45800 54959
Loan O/S at the end of the year 156885 144568 100759 54959 0
Total Outgoing 0 42258 61157 57891 61554
Net Surplus 0 6417 165168 168434 164771
B. Repayment (Amt. in `) Year Income Expenses Gross Surplus Instalments Net Surplus
II 180000 131325 48675 42258 6417
III 360000 133675 226325 61157 165168
IV 360000 133675 226325 57891 168434
V 360000 133675 226325 61554 164771
16. Implementation Strategy and Monitoring Mechanism Department of Animal Husbandry may create awareness about piggery in the district and guide pig farmers to establish breeding and breeder-cum- fattener units of pigs and pork retail outlet units on scientific lines in the district under the scheme. DAH may conduct veterinary health camps and provide training to the beneficiaries of the plan on scientific pig farming. DAH may identify suitable pig farmers interested in expanding their farms with credit.
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Area Development Scheme - Pig Farming Baksa District Branches of Banks may select suitable pig farmers identified by DAH and or directly identify clients & finance diversified activities under piggery. Branches may ensure successful implementation of the banking plan in the district. NABARD prepare banking plan; ensure implementation of the plan in association with participating Banks and line departments; facilitate capacity building of beneficiaries of the plan through AGVB-RSETI / training institutes / KVK / and provide exposure visits whenever required. A project implementation and monitoring committee would be constituted for monitoring of the ADS. The PIMC would consists of the participating bank branches, LDM, KVK, RSETI, representative of the beneficiaries farmers, Department of Animal Husbandry and NABARD with Deputy Commissioner as Chairman. Possibility of implementing the project through a reputed NGO/s under JLG mode may be explored. Incentives to NGO/s may be given by NABARD.
17. Conclusion Doubling real income of farmers by 2022 over the base year of 2015-16, would require approximate annual growth of 10.41 per cent in farmers’ income. This implies that the on-going and previously achieved rate of growth in farm income has to be sharply accelerated. Thrust, therefore, has to be given for development of allied activities to harness all possible sources of growth in farmers' income by the targeted year. The results of the financial analysis of the project indicates that it is financial viable / bankable.
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Area Development Scheme - Banking plan on Pig Farming Bank wise and Block wise targets - Physical and Financial
Name of the District : Baksa Unit Cost (` in lakh) 1.76 Physical Units in Nos. and Financial in ` lakh
2018-19 2019-20 2020-21 2021-22 2022-23 Total Name of Block Phy Units Financial Phy Units Financial Phy Units Financial Phy Units Financial Phy Units Financial Phy Units Financial Barama 15 26.4 15 26.4 20 35.2 25 44 30 52.8 105 184.8 Total 15 26.4 15 26.4 20 35.2 25 44 30 52.8 105 184.8
Unit Cost (` in lakh) 1.76
2018-19 2019-20 2020-21 2021-22 2022-23 Total Name of Block Phy Units Financial Phy Units Financial Phy Units Financial Phy Units Financial Phy Units Financial Phy Units Financial AGVB 15 26.4 15 26.4 20 35.2 25 44 30 52.8 105 184.8 Total 15 26.4 15 26.4 20 35.2 25 44 30 52.8 105 184.8
Consolidated
Total Total Name of Block Name of Bank Phy Units Financial Phy Units Financial Barama 105 184.8 AGVB 105 184.8 Total 105 184.8 Total 105 184.8
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GOAT FARMING
Area Development Scheme – Goat Farming Baksa District
Area Development Scheme on Goat Farming
1. Introduction
Like most of the districts of the state of Assam, the economy of Baksa district is also predominantly agrarian in nature. Out of the total geographical area of 245700 ha, the gross cropped area is 164862 ha and Net sown area is 145872 ha. indicating 182% cropping intensity in the district. About 88% of the land holdings belongs to the small and marginal farmer.
Animal husbandry is one sector which has high potential for growth. The potential of the sector needs to be exploited as this can play a key role in providing sustainable employment in their location itself and arrest migration of people to urban areas. As animal husbandry is an activity which can easily be taken up by rural communities as skill and resource requirements are minimal, inputs are locally available and marketing does not pose a major problem, it can act as an engine in poverty alleviation programmes by making asset less poor into income generating asset owing population. This will go a long way in not only augmenting food security, human security, empowerment of women and rural youths, 1 but will also help in triggering and invigorating the rural economy ultimately contributing significantly to the comprehensive socio-economic transformation of the State.
The small ruminants provide livelihood support to the poor underprivileged landless, and marginal farm households. The goat and sheep production systems are mainly subsistence-oriented but in view of the rising demand for meat, there is a great scope for their commercialization in the district. As per the Livestock Census - 2012, the population of goats was 191859, sheep was 13334
This Area Development Scheme has been prepared by NABARD to increase the flow of credit to accelerate the pace of capital formation in agriculture especially under Animal Husbandry sector and also to ensure SHG/JLG members to take up income generating activities on a sustainable basis in the district. The scheme will be implemented under the guidance of District Administration, in association with ASRLM, Animal Husbandry &Veterinary Department, RSETI, Krishi Vigyan Kendra, NGOs and the branches of associated banks in the identified area. 2. Forward and Backward Linkages
Sheep and Goat farming in small scale do require much land. In the selected villages grazing field and plant leaves are available. Mostly indigenous breeds are reared. A few Exotic/CB Beetl breeds are also available in some villages. The high land areas are preferable for sheep and goat farming and should be free from flood havoc. The area based scheme will be feasible.
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Area Development Scheme – Goat Farming Baksa District
i. Cross breed population is very few indigenous, Goat 1,91,859, Sheep 13334 nos. ii. Female breed able population Improved breed: negligible Indigenous : 60,000 nos. (approx.) iii. % of breed able female papulation to total population is 11.5%. iv. Growth rate of population : 50-60% v. Average kidding twice a year & 2 kids per kidding. vi. No. of market (Livestock/sheep & Goat) of Baksa district. a. Goreswar Bazar –Goreswar b. Tamulpur Bazar – Tamulpur c. Barama Bazar – Barama
Almost 50% of the required good quality sheep/goat supply come from local villages and remaining 50% comes from outside the district.
AH & Vety Department, Baksa is providing health care facililty to Goat & Sheep farmers. AI of goat is not yet available for breeding purpose in the district. Few farmers are having CB Beetal goat for breeding services.
Area development scheme for the district is proposed to be operationalized through the medium of Individual, Self Help Group (SHG) and Joint Liability Group(JLG).
The scheme will be implemented under the guidance of Baksa District Administration, in association with the Department of AH & Vety, NGOs and Banks. The objectives of the scheme are :
I. Improving backward linkages and credit linkage. II. Collective marketing for better price realization through FPO. III. Facilitate formation of SHG and JLG in Baksa District through NGO
3. Selection of Area The ADS will be implemented in Goeswar Block of Baksa district in the foothills of Bhutan. The area is flood free & plenty of green grass and free leaves and grazing land is available. 4. Selection of Beneficiaries The scheme is proposed to be implemented through Individual, SHGs/JLG approach. The SHGs/JLGs may be selected based on their grading and past activities. It is proposed to allocate the female animals to the interested members of the group proportionately, who desire to avail loan facility for undertaking income generating activities. The male animals is proposed to be treated as the property of the SHG/JLG and members availing loan facility out of the scheme may use the
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Area Development Scheme – Goat Farming Baksa District same free of cost, for breeding purpose of the animals. Further, FPO will help the banks in selection of beneficiaries. 5. Capacity Building of Beneficiaries Traditionally goat is reared in most of the rural areas using traditional method. Since black Bengal and Assam Hill Goat is proposed under the scheme, it is necessary to rear it scientifically for better result. The beneficiaries are required to be given adequate training on scientific rearing and feeding of the animals. Accordingly, adequate training programme for the group leaders of the SHGs may be arranged through RSETI/KVK/NGO etc. Financial support for such training programme may be provided by NABARD/ASRLM and other agencies on need basis. The trainers is expected to guide the SHG members for proper rearing of the goat. 6. Techno-Economic Assumptions A. Cost Chart Sl. No. Particulars Physical Unit Black Bengal / Assam Hill Breed Goat/ Black Bengal Crosses Semi-intensive system based 1 System of rearing on grazing with feeding limited ration Feed Requirement No. of Animals No of Buck (No.) 1 or 2 1 No of Does (No.) 3 or 10 10 2 Stage at which the animal is bought (Months) 8 Cost of Breeding stock – Buck 6000 Cost of Breeding stock – Doe 4000 3 Cost of Equipment ( `/Animal) 0 Housing Shed - Area (Sq. Ft.) 270 4 Open Area (Sq Ft) 190 Family labour used for housing (lump sum `) 0 Feed Requirement Buck (Kg/Animal/Month) 7.5 Doe (Kg/Animal/Month) 6 Kids (up to 4 months) (Kg/Animal/Month) 2.25 5 Kids (4 to 8 months) (Kg/Animal/Month) 3.75 Cost of Cultivation of Fodder (`/Year) 0 Roughages through grazing/browsing/fodder (%) 80 Cost of grazing/browsing 0 Concentrate Feed (%) 20
16
Area Development Scheme – Goat Farming Baksa District
Sl. No. Particulars Physical Unit Cost of Concentrate ( ` /Kg) 25 Feed Cost under project assumed to be supplied by the farmers from their own resources and hence not capitalised in the project cost 6 Insurance Premium (%) 1 Year (5%) 3 Years (7%) 5 Technical Specifications Pregnancy Period ( Months) 5 Lactation Period ( Months) 5 7 Litter size 1.5 Mortality among kids (%) 20 Mortality among Adults (%) 10 Age at Maturity (Months) 9 Medicines and Overheads 8 Veterinary Aid (`/Year) 1700 Financial and Banking Specifications Age of Kids at Sale (months) 8 Weight of Kids at Sale (Kg) 15 Rate of Kids at sale (`/Kg) 300 Price of Kids at Sale ( `) 4500 Salvage Value of all animals / Value of closing stock 9 106000 (lumpsum `) Margin (%) 15 Interest Rate (%) 12 No. of Days in a Year 360 Repayment Period (5 to 7 Years) 5 Percent Net Income to beneficiary(Above 30% ) 50
A. Flock Projection Chart
Year
All Batches 1 2 3 4 5 6
Adult Bucks Months 12 12 12 12 12 12
Adult Does Months 120 120 120 120 120 120
Kids (up to 4 Months) Months 56 56 112 56 112 56
Kids (4 to 8 Months) Months 0 96 48 96 48 96
Sale of Kids (no) 0 19 29 29 28 29
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Area Development Scheme – Goat Farming Baksa District
B. Feed Chart
Concentrate Feeding
Quantity Cost Sl. No. Particulars (Kg / animal/month) (`/animal/Month)
1 Buck 1.5 38
2 Doe 1.2 30
3 Kids (up to 4 months) 0.45 11
4 Kids (4 to 8 months) 0.75 19
7. Partners in Implementation of the Project
For successful implementation of the programme, the roles of various agencies/stake holders are indicated below:
Sl. No. Agency Role of the agency
1 NABARD Preparation & launching of Area Development Scheme. Coordinating implementation of the scheme in association Banks and other agencies. Facilitate formation of JLGs/SHGs (non-intensive blocks) and capacity building of beneficiaries of the scheme & credit linkage. 2 NGOs as Self Help Identification of beneficiaries. Group Promoting Formation of SHGs (only in non-intensive blocks) / JLGs Institutions / Joint Arrange training of members of SHGs/JLGs interested in Liability Group Goat Rearing. Promotion Institutes Guiding SHGs/JLGs for credit linkage with Banks.
3 Branches of Bank Extending credit for various activities under Goat rearing as per the plan outlined in the scheme. 4 Department of Animal Provide the benefits of various schemes to the Husbandry & Veterinary beneficiaries of the area development scheme. Training to the beneficiaries on scientific Goat rearing in the cluster of villages covered under the scheme. 5 RSETI / KVK Capacity building programmes. Facilitate support services. 6 District Administration / Launching the scheme in the DCC meeting. DCC Review the progress of the scheme implementation regularly in the DCC meetings. Ensuring convergence of benefits of various schemes supporting fisheries activities in the villages covered by the scheme in the district.
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Area Development Scheme – Goat Farming Baksa District
8. Project Cost for Goatery Unit of 10F+1M Activity (Amt. in `)
Unit in Unit with Cost No of Animals ` / Unit existing shed new shed
Purchase of does 10 4000 40000 40000
Purchase of buck 1 6000 6000 6000
Cost of construction of shed Lumpsum 15000
Insurance cost 2300 2300
Miscellaneous 1700 1700
Total 50000 65000
9. Banking Network and Trends in Credit Flow:
i) Names of the Implementing Bank : AGVB, CBI, SBI and UCO Bank ii) Branch network of implementing block involved in implementation of the ADS : In the one block identified for implementation of the ADS, AGVB has 1 branch and
UCO Bank has 1 branch and CBI has one branch. Since, sub-sector wise data is not available in the district credit flow in this sector could not be assessed.
10. Physical and Financial Programme
Name of Bank Total (` in lakh) Phy Units Financial AGVB 100 65 CBI 48 31.2 UCO 48 31.2 Total 196 127.4 Detail are given in the Annexures.
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Area Development Scheme – Goat Farming Baksa District
11. Project Profitability The expected income for six years is indicated below: (Amt. in `) Year Year Year Year Year Year Particulars I II III IV V VI
Sale of Kids 0 85500 130500 130500 126000 130500
Sale of Manure
Value of closing stock 106000
Total Income 0 85500 130500 130500 126000 236500
Expenditure
Amount of Feed
Adult Bucks Months 90 90 90 90 90 90
Adult Does Months 720 720 720 720 720 720
Kids (up to 4 Months) Months 126 126 252 126 252 126
Kids (4 to 8 Months) Months 0 360 180 360 180 360
Sub Total 936 1296 1242 1296 1242 1296
Feed Cost 23400 32400 31050 32400 31050 32400
Cost of Cultivation of Fodder 0 0 0 0 0 0
Veterinary and other Expenses 1700 1700 1700 1700 1700 1700
Insurance 2300 5300 5300 5300 5300 5300
Total Expenditure 27400 39400 38050 39400 38050 41992
Less Capitalised Expenditure 4000
Total Expenditure after netting 23400 39400 38050 39400 38050 41992 Capitalised expenditure
Gross Surplus 0 46100 92450 91100 87950 194508
12. Financial Analysis Financial analysis for six years is indicated below: (Amt. in `) Cash flow & Year Year Year Year Year Year
Calculation of IRR I II III IV V VI
Investment Cost 65000 0 0 0 0 0
Recurring Cost 23400 39400 38050 39400 38050 41992
Total Cost 88400 39400 38050 39400 38050 41992
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Area Development Scheme – Goat Farming Baksa District
Cash flow & Year Year Year Year Year Year
Calculation of IRR I II III IV V VI
Income 0 85500 130500 130500 126000 236500
Net Income -88400 46100 92450 91100 87950 194508
NPW of Total Cost @ 15% 76870 29792 25018 22527 18918 18154
191279
NPW of Income @ 15% 0 64650 85806 74614 62644 102245
389960
NPW of Net Income @ 15% -76870 34858 60787 52087 43727 84091
198681
Benefit Cost Ratio 2.04
IRR 56.5%
13. Sensitivity Analysis The sensitivity analysis is done assuming 5% increase in cost and 5% decrease in benefits, NPV, BCR and IRR. The details are indicated below: (Amt. in `)
Year I II III IV V VI
Total Cost after 5% increase 92820 41370 39953 41370 39953 44092
Total Income after 5% reduction 0 81225 123975 123975 119700 224675
Net Income -92820 39855 84022 82605 79747 180583
NPW of Total Cost @ 15% 80713 31282 26270 23653 19864 19062
200844
NPW of Income @ 15% 0 61418 81516 70883 59512 97133
370462
NPW of Net Income @ 15% -80713 30136 55246 47230 39648 78071
169618
Benefit Cost Ratio 1.84
IRR 47.1%
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Area Development Scheme – Goat Farming Baksa District
14. SWOT Analysis Strengths . Demand profile: Absolutely optimistic . Huge & growing market . Availability of affordable and skilled manpower Weaknesses . Poor quality of animal . Scattered and low farm output . Inadequate procurement logistics . Poor AI service net-work . Poor access to organized markets deprive farmers of proper price Opportunities . Alternate employment in rural area . A huge untapped market for processed products . Proximity to high demand market . Growing purchasing power. . Availability of grazing land Threats . Disease outbreak
15. Repayment Period A. Bankability of the Project (Amt. in `) Year Year Year Year Year Particulars I II III IV V
Unit Cost 65000
Margin (%) 15
Bank Loan 55250
Rate of Interest (%) 12
Loan O/S at the beginning of the year 55250 61880 54145 36097 18049
Accrual of interest 6630 7426 6497 4332 2166
Gross Surplus 0 46100 92450 91100 87950
Repayment of Interest 0 7426 6497 4332 2166
Repayment of Principal 0 7735 18048 18048 18049
Loan O/S at the end of the year 61880 54145 36097 18049 0
Total Outgoing 0 15161 24545 22380 20215
Net Surplus 0 30939 67905 68720 67735
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Area Development Scheme – Goat Farming Baksa District
B. Repayment Schedule (Amt. in `)
Year Income Expenses Gross Surplus EMI Instalments Net Surplus
I 85500 39400 46100 15161 30939
II 130500 38050 92450 24545 67905
III 130500 39400 91100 22380 68720
IV 126000 38050 87950 20215 67735
16. Implementation Strategy and Monitoring Mechanism
The Area Development Scheme [ADS] will be implemented and monitored through the following mechanism:
The ADS will be placed before the DCC for approval. A sub-Committee may be formed within the DCC comprising OF LDM, DDM, financing Banks, Animal Husbandry & Veterinary Dept., ASRLM, RSETI, KVK etc., for review the progress at district level and block level review will be done at the BLBC meetings. Involvement of stakeholders’ agencies in review meetings for ensuring the extension of support services committed by them. District level stakeholders workshop may be conducted for sensitization of Bankers/Line department officials and other stake holders.
17. Conclusion
The ADS is likely to encourage SHG/JLG members and individuals to undertake income generating activities in a planned manners. Since the project is also proposed to be implemented through SHG/JLG approach, continuous monitoring will be done by the ASRLM/NGO associated with the programme as SHPI/JLPI, which will encourage bankers to extend credit to the SHGs. Continuous monitoring from all stake holders proposed in the scheme will ensure better investment of bank credit, which will definitely enable beneficiaries to realise sufficient income from the scheme.
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Area Development Scheme - Banking plan on Goat Rearing Bank wise and Block wise targets - Physical and Financial
Name of the District : Goreswar Block ,Baksa District Unit Cost ( ` in lakh ) 0.65 Physical Units in Nos. and Financial in ` lakh
2018-19 2019-20 2020-21 2021-22 2022-23 Total Name of Block Phy Units Financial Phy Units Financial Phy Units Financial Phy Units Financial Phy Units Financial Phy Units Financial Goreswar 25 16.25 31 20.15 35 22.75 45 29.25 60 39 196 127.4 Total 25 16.25 31 20.15 35 22.75 45 29.25 60 39 196 127.4
Unit Cost ( ` in lakh ) 0.65
2018-19 2019-20 2020-21 2021-22 2022-23 Total Name of Bank Phy Units Financial Phy Units Financial Phy Units Financial Phy Units Financial Phy Units Financial Phy Units Financial AGVB 15 9.75 15 9.75 15 9.75 25 16.25 30 19.5 100 65 CBI 5 3.25 8 5.2 10 6.5 10 6.5 15 9.75 48 31.2 UCO 5 3.25 8 5.2 10 6.5 10 6.5 15 9.75 48 31.2 Total 25 16.25 31 20.15 35 22.75 45 29.25 60 39 196 127.4
Consolidated
Total Total Name of Block Name of Bank Phy Units Financial Phy Units Financial Goreswar 196 127.4 AGVB 100 65 CBI 48 31.2 Total 196 127.4 UCO 48 31.2 Total 196 127.4
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