This document provides details for a model milk processing project with a capacity of 10,000 liters per day. It includes sections on project objectives, potential areas, beneficiaries, details of the project site, buildings and layout, required plant and machinery, manufacturing process, utilities, manpower requirements, implementation schedule, products, marketing, economics, financing, and approvals. The capital cost for the project is estimated at Rs. 11 crores and it is expected to be financially viable with an IRR of 15% and payback period of 7 years.
This document provides a report from the Vision 2020 National Technical Working Group on Agriculture & Food Security. It presents an assessment of Nigeria's agricultural sector, outlines a vision and strategic plan to transform the sector by 2020, and proposes an implementation roadmap and monitoring framework. The report finds that while agriculture currently contributes 42% of GDP, productivity has remained low due to issues like low mechanization, outdated land policies, and underinvestment. It sets a vision for a modern, technology-driven agricultural sector that ensures food security and foreign exchange. Goals, strategies and initiatives are established around increasing production, promoting agribusiness, and developing enabling infrastructure and institutions to realize this vision by 2020.
This document provides a summary of a rapid market assessment report on the potato value chain in Chitral, Pakistan. It examines both the supply and demand sides of the value chain. Key findings include:
- The main buyers are market agents, wholesalers, and processors who purchase an average of 375 tons per season. They prefer certified seed varieties like Atlantic, Bintje, and Rose Bhurban.
- Local farmers sell an average of 6 tons annually through market agents and local buyers. Quality and use of certified seed is inconsistent among farmers.
- Opportunities exist to better connect farmers to larger buyers through the use of formal contracts and by improving farmers' access to certified seed and training to meet market demands
The document provides a summary of socio-economic and environmental data for Pakistan across multiple sectors. It includes 3 sections:
Section A provides data on demographics, housing, labor, agriculture, water, livestock, forestry and transportation. Section B discusses environmental impacts of activities in these sectors such as human settlements, population growth, wastewater, and air pollution. Section C covers responses to these impacts like climate patterns. Section D includes inventories, stocks, and background data on education, health, family planning and more. The document aims to compile relevant statistics from secondary sources to help assess environmental problems and support sustainable development planning.
CII release said that the government’s achievements during the year can broadly be categorized into four areas, namely corruption-free governance, economic diplomacy, empowerment of states and putting in place key policies to revive investment in the economy. With transformational changes being envisioned not only on the economic front but on the social, technology and foreign policy fronts as well, the first anniversary of the Modi government has been marked by fresh thinking on all major areas of governance, the release said.
Outlining the area of reforms requiring further policy attention, CII has urged the Government to consider policy strategies in ten critical areas that would bring huge economic benefits for growth, investment and employment creation.
Dowload the free PDF file of Report Sample Pages. Cognitive Market Research has recently published report titled, "Milk Market 2020" which provides detailed analysis of Milk Market. The market study focuses on understanding industry dynamics along with driving factors to provide the key elements fueling the current market growth. The report also identifies restraints for Milk market, to understand factors which will restrict the growth of Milk market. Key industrial factors such as macroeconomic and microeconomic factors are studied in depth with the help of PESTEL analysis in order to have a holistic view of factors impacting Milk market growth in various regions across the globe. Market forecast takes place with the help of complex algorithms such as regression analysis, sentiment analysis of end-users, etc.
Asia Pacific Baby Care and Mother Care Products Market Report 2022 Report Link- https://www.cognitivemarketresearch.com/Asia-Pacific-Baby-Care-and-Mother-Care-Products-Market-Report
Cognitive Market Research provides detailed analysis of Asia Pacific Baby Care and Mother Care Products in our recently published report titled, "Asia Pacific Baby Care and Mother Care Products 2022" The market study focuses on industry dynamics including driving factors to provide the key elements fueling the current market growth. The report also identifies restraints and opportunities to identify high growth segments involved in the Asia Pacific Baby Care and Mother Care Products market. Key industrial factors such as macroeconomic and microeconomic factors are studied in detail with help of PESTEL analysis in order to have a holistic view of factors impacting Asia Pacific Baby Care and Mother Care Products market growth across the globe. Market growth is forecasted with the help of complex algorithms such as regression analysis, sentiment analysis of end-users, etc. #AsiaPacificBabyCareandMotherCareProductsReport #AsiaPacificBabyCareandMotherCareProductsMarket #AsiaPacificBabyCareandMotherCareProductsMarketForecast #AsiaPacificBabyCareandMotherCareProductsMarketStatus #AsiaPacificBabyCareandMotherCareProductsMarket2022
The document discusses business opportunities in India's food processing sector. It notes that India has the largest food production globally and is among the top investment destinations. The food processing industry is estimated at $130 billion currently but there is significant potential for growth. The government has implemented several initiatives like the Pradhan Mantri Kisan Sampada Yojana and schemes for mega food parks and cold chain infrastructure to develop the sector further. However, challenges remain around infrastructure bottlenecks and deficiencies in the regulatory environment.
This document is the background to Uganda's budget for the 2014/15 fiscal year. It discusses maintaining economic momentum through infrastructure investment. It provides an overview of the global and regional economic environment and cooperation frameworks. It analyzes Uganda's macroeconomic performance in FY2013/14, including GDP growth of 5.2%, average inflation of 6.4%, and a current account deficit. It outlines sector performances and priorities for infrastructure, human development, private sector growth, and public governance. It establishes the medium-term macroeconomic and fiscal framework, forecasting continued growth and stable inflation while increasing domestic revenue, budget support, and investment in priority areas.
This document provides a report from the Vision 2020 National Technical Working Group on Agriculture & Food Security. It presents an assessment of Nigeria's agricultural sector, outlines a vision and strategic plan to transform the sector by 2020, and proposes an implementation roadmap and monitoring framework. The report finds that while agriculture currently contributes 42% of GDP, productivity has remained low due to issues like low mechanization, outdated land policies, and underinvestment. It sets a vision for a modern, technology-driven agricultural sector that ensures food security and foreign exchange. Goals, strategies and initiatives are established around increasing production, promoting agribusiness, and developing enabling infrastructure and institutions to realize this vision by 2020.
This document provides a summary of a rapid market assessment report on the potato value chain in Chitral, Pakistan. It examines both the supply and demand sides of the value chain. Key findings include:
- The main buyers are market agents, wholesalers, and processors who purchase an average of 375 tons per season. They prefer certified seed varieties like Atlantic, Bintje, and Rose Bhurban.
- Local farmers sell an average of 6 tons annually through market agents and local buyers. Quality and use of certified seed is inconsistent among farmers.
- Opportunities exist to better connect farmers to larger buyers through the use of formal contracts and by improving farmers' access to certified seed and training to meet market demands
The document provides a summary of socio-economic and environmental data for Pakistan across multiple sectors. It includes 3 sections:
Section A provides data on demographics, housing, labor, agriculture, water, livestock, forestry and transportation. Section B discusses environmental impacts of activities in these sectors such as human settlements, population growth, wastewater, and air pollution. Section C covers responses to these impacts like climate patterns. Section D includes inventories, stocks, and background data on education, health, family planning and more. The document aims to compile relevant statistics from secondary sources to help assess environmental problems and support sustainable development planning.
CII release said that the government’s achievements during the year can broadly be categorized into four areas, namely corruption-free governance, economic diplomacy, empowerment of states and putting in place key policies to revive investment in the economy. With transformational changes being envisioned not only on the economic front but on the social, technology and foreign policy fronts as well, the first anniversary of the Modi government has been marked by fresh thinking on all major areas of governance, the release said.
Outlining the area of reforms requiring further policy attention, CII has urged the Government to consider policy strategies in ten critical areas that would bring huge economic benefits for growth, investment and employment creation.
Dowload the free PDF file of Report Sample Pages. Cognitive Market Research has recently published report titled, "Milk Market 2020" which provides detailed analysis of Milk Market. The market study focuses on understanding industry dynamics along with driving factors to provide the key elements fueling the current market growth. The report also identifies restraints for Milk market, to understand factors which will restrict the growth of Milk market. Key industrial factors such as macroeconomic and microeconomic factors are studied in depth with the help of PESTEL analysis in order to have a holistic view of factors impacting Milk market growth in various regions across the globe. Market forecast takes place with the help of complex algorithms such as regression analysis, sentiment analysis of end-users, etc.
Asia Pacific Baby Care and Mother Care Products Market Report 2022 Report Link- https://www.cognitivemarketresearch.com/Asia-Pacific-Baby-Care-and-Mother-Care-Products-Market-Report
Cognitive Market Research provides detailed analysis of Asia Pacific Baby Care and Mother Care Products in our recently published report titled, "Asia Pacific Baby Care and Mother Care Products 2022" The market study focuses on industry dynamics including driving factors to provide the key elements fueling the current market growth. The report also identifies restraints and opportunities to identify high growth segments involved in the Asia Pacific Baby Care and Mother Care Products market. Key industrial factors such as macroeconomic and microeconomic factors are studied in detail with help of PESTEL analysis in order to have a holistic view of factors impacting Asia Pacific Baby Care and Mother Care Products market growth across the globe. Market growth is forecasted with the help of complex algorithms such as regression analysis, sentiment analysis of end-users, etc. #AsiaPacificBabyCareandMotherCareProductsReport #AsiaPacificBabyCareandMotherCareProductsMarket #AsiaPacificBabyCareandMotherCareProductsMarketForecast #AsiaPacificBabyCareandMotherCareProductsMarketStatus #AsiaPacificBabyCareandMotherCareProductsMarket2022
The document discusses business opportunities in India's food processing sector. It notes that India has the largest food production globally and is among the top investment destinations. The food processing industry is estimated at $130 billion currently but there is significant potential for growth. The government has implemented several initiatives like the Pradhan Mantri Kisan Sampada Yojana and schemes for mega food parks and cold chain infrastructure to develop the sector further. However, challenges remain around infrastructure bottlenecks and deficiencies in the regulatory environment.
This document is the background to Uganda's budget for the 2014/15 fiscal year. It discusses maintaining economic momentum through infrastructure investment. It provides an overview of the global and regional economic environment and cooperation frameworks. It analyzes Uganda's macroeconomic performance in FY2013/14, including GDP growth of 5.2%, average inflation of 6.4%, and a current account deficit. It outlines sector performances and priorities for infrastructure, human development, private sector growth, and public governance. It establishes the medium-term macroeconomic and fiscal framework, forecasting continued growth and stable inflation while increasing domestic revenue, budget support, and investment in priority areas.
This document provides background information on Uganda's budget for the 2014/15 fiscal year. It summarizes Uganda's macroeconomic performance in FY2013/14 and outlines the country's medium-term fiscal strategy and priorities. Key points include:
- Economic growth slowed to 4.7% in FY2013/14 due to domestic and external factors like the global economic crisis, trade deficit widening, and impacts of the war in South Sudan.
- Tax revenue fell short of targets, leading to increased domestic borrowing and reduced savings. However, infrastructure spending provided a fiscal stimulus equivalent to 0.7% of GDP.
- The medium-term outlook is positive, with growth projected to rebound to 6
This document is the background to Uganda's budget for the 2014/15 fiscal year. It discusses maintaining economic momentum through infrastructure investment. It provides an overview of the global and regional economic environment and Uganda's macroeconomic performance in FY2013/14. Key points include steady GDP growth of 5-6% driven by infrastructure expansion, lower inflation, increased private sector credit, and a stable balance of payments. The document also outlines sector performances and priorities for transport, energy, education and others. It concludes with Uganda's medium-term macroeconomic and fiscal framework.
This document summarizes a feasibility study conducted by EC Oregon on developing anaerobic digesters at dairy farms in Oregon. The study assessed the technical and financial viability of digesters using dairy manure alone or co-digesting manure with other organic waste. The study found that digesters using only dairy manure were technically sound but not financially attractive. Co-digesting manure with high-energy waste was required for project viability. Successful dairy biogas projects will require managing financing, incentives, and negotiating power purchase agreements. Recommendations are provided to facilitate collaboration between industries and stakeholders to promote digesters in Oregon.
ICF Energy Efficiency in HOME Affordable Housing ManualICF_HCD
This document provides a manual for incorporating energy efficiency into housing developments funded by HUD's HOME Investment Partnerships Program (HOME). The manual is intended to help Participating Jurisdictions, community organizations, and subrecipients implement energy efficiency practices and ENERGY STAR standards. It offers guidance on strategies for new construction, rehabilitation of existing housing, and calculating potential energy and cost savings from various measures. The manual also identifies funding partners and programs that can help overcome barriers to energy efficiency. Finally, it provides climate-specific recommendations for common efficiency upgrades in different regions covered by HUD's San Francisco office.
This document provides a summary of a performance management guide for municipalities published by the UNDP. The guide aims to help municipalities establish performance monitoring systems to improve services for citizens. It outlines 8 steps for instituting a performance management framework, including organizing efforts, identifying outcomes and indicators, collecting and analyzing data, reporting results, setting targets, using information to improve services, and building capacity. The guide emphasizes measuring service outcomes and quality of life for citizens. It also discusses linking local performance measures to national goals like the Millennium Development Goals.
This document summarizes the findings of a documentation exercise on the integrated community case management (iCCM) program in the Democratic Republic of Congo (DRC). It provides background on the iCCM approach and an overview of the DRC program. Key findings from analyzing data collected through document reviews, interviews, and focus groups at national, regional, district and community levels are presented. The analysis identified successes of the DRC program including strong leadership and coordination, effective technical documents, and integrated management of major childhood illnesses at community sites. It also noted bottlenecks such as the lack of a long-term extension plan and weakening advocacy. The document concludes with lessons learned that may help other countries implement iCCM programs, such as establishing supportive policies
This Report on Financing Solar Energy provides policy recommendations to enable low cost financing and greater accessibility to finance for Solar Energy projects in India. The paper also highlights the barriers to financing for solar energy projects, the financing needs of the sector based on base case and best case scenarios, and the solutions to channel cost effective finance to the sector.
Coffee Market Report 2022 Report Link- https://www.www.cognitivemarketresearch.com/Coffee-Market-Report
Cognitive Market Research provides detailed analysis of Coffee in our recently published report titled, "Coffee 2022" The market study focuses on industry dynamics including driving factors to provide the key elements fueling the current market growth. The report also identifies restraints and opportunities to identify high growth segments involved in the Coffee market. Key industrial factors such as macroeconomic and microeconomic factors are studied in detail with help of PESTEL analysis in order to have a holistic view of factors impacting Coffee market growth across the globe. Market growth is forecasted with the help of complex algorithms such as regression analysis, sentiment analysis of end-users, etc. #CoffeeReport #CoffeeMarket #CoffeeMarketForecast #CoffeeMarketStatus
Coffee Market Report 2022 Report Link- https://www.www.cognitivemarketresearch.com/Coffee-Market-Report Cognitive Market Research provides detailed analysis of Coffee in our recently published report titled, "Coffee 2022" The market study focuses on industry dynamics including driving factors to provide the key elements fueling the current market growth. The report also identifies restraints and opportunities to identify high growth segments involved in the Coffee market. Key industrial factors such as macroeconomic and microeconomic factors are studied in detail with help of PESTEL analysis in order to have a holistic view of factors impacting Coffee market growth across the globe. Market growth is forecasted with the help of complex algorithms such as regression analysis, sentiment analysis of end-users, etc. #CoffeeReport #CoffeeMarket #CoffeeMarketForecast #CoffeeMarketStatus #CoffeeMarket2022
Coffee Market Report 2022 Report Link- https://www.www.cognitivemarketresearch.com/Coffee-Market-Report
Cognitive Market Research provides detailed analysis of Coffee in our recently published report titled, "Coffee 2022" The market study focuses on industry dynamics including driving factors to provide the key elements fueling the current market growth. The report also identifies restraints and opportunities to identify high growth segments involved in the Coffee market. Key industrial factors such as macroeconomic and microeconomic factors are studied in detail with help of PESTEL analysis in order to have a holistic view of factors impacting Coffee market growth across the globe. Market growth is forecasted with the help of complex algorithms such as regression analysis, sentiment analysis of end-users, etc. #CoffeeReport
#CoffeeMarket #CoffeeMarketForecast #CoffeeMarketStatus
Dowload the free PDF file of Report Sample Pages. Cognitive Market Research has recently published report titled, "Organic Milk Products Market 2020" which provides detailed analysis of Organic Milk Products Market. The market study focuses on understanding industry dynamics along with driving factors to provide the key elements fueling the current market growth. The report also identifies restraints for Organic Milk Products market, to understand factors which will restrict the growth of Organic Milk Products market. Key industrial factors such as macroeconomic and microeconomic factors are studied in depth with the help of PESTEL analysis in order to have a holistic view of factors impacting Organic Milk Products market growth in various regions across the globe. Market forecast takes place with the help of complex algorithms such as regression analysis, sentiment analysis of end-users, etc.
Global Baby Care and Mother Care Products Market Report 2022
Report Link- https://www.cognitivemarketresearch.com/Baby-Care-and-Mother-Care-Products-Market-Report Cognitive Market Research provides detailed analysis of Global Baby Care and Mother Care Products in our recently published report titled, "Global Baby Care and Mother Care Products 2022" The market study focuses on industry dynamics including driving factors to provide the key elements fueling the current market growth. The report also identifies restraints and opportunities to identify high growth segments involved in the Global Baby Care and Mother Care Products market. Key industrial factors such as macroeconomic and microeconomic factors are studied in detail with help of PESTEL analysis in order to have a holistic view of factors impacting Global Baby Care and Mother Care Products market growth across the globe. Market growth is forecasted with the help of complex algorithms such as regression analysis, sentiment analysis of end-users, etc. #GlobalBabyCareandMotherCareProductsReport #GlobalBabyCareandMotherCareProductsMarket #GlobalBabyCareandMotherCareProductsMarketForecast #GlobalBabyCareandMotherCareProductsMarketStatus #GlobalBabyCareandMotherCareProductsMarket2022
Agenda21 United Nations - Summary PublicationAndrew Parish
The document provides a summary of national implementation of Agenda 21 based on reports submitted by 130 countries to the United Nations. It covers several sustainable development issues including agriculture, combating poverty, decision-making, education, energy, freshwater, health, information, and oceans. For each issue, it analyzes the status of national implementation in terms of decision-making structures, participation of major groups, education and awareness programs, information management, financing, technology, and international cooperation. The summary identifies trends in implementation progress across world regions to inform the 2002 World Summit on Sustainable Development in Johannesburg.
The document provides a strategic plan for infrastructure development in the Indian state of Tamil Nadu, with the goal of achieving Vision Tamil Nadu 2023. It outlines key outcomes including economic growth targets, sector investment plans, and 10 strategic initiatives. The total estimated infrastructure investment is INR 35 lakh crore between 2012-2023 across sectors like energy, transport, industrial, urban, agriculture, and human development. Public-private partnerships are emphasized as a mechanism for infrastructure creation.
This document outlines the Beef Industry Strategic Plan 2020 (BISP2020). It identifies five strategic pillars to focus industry efforts and resources between now and 2020: 1) Industry Leadership and Collaboration, 2) Market Growth and Diversification, 3) Value Chain Efficiency and Integrity, 4) Productivity and Profitability, and 5) Community and Consumer Support. For each pillar, it describes the strategic intent and what success may look like by 2020. It then identifies 10 priority areas for investment ranked as top, high or medium priority based on expected benefits to the industry by 2020. The plan aims to strengthen Australia's competitive position as a trusted supplier of premium quality and sustainable beef products.
This document provides a training manual for modules on food safety and nutrition awareness. The first module discusses the need for food safety and introduces microorganisms. It explains the relationship between malnutrition and infection, the role of schools in promoting hygiene and nutrition, and how foodborne diseases spread. The module also defines useful and harmful microbes, their growth requirements, and how to control microbial growth through time and temperature principles. The document was prepared by food safety and nutrition experts from the EU-India Capacity Building Initiative for Trade Development project.
Cognitive Market Research provides detailed analysis of Baby Disposable Diapers Market in our recently published report titled, "Baby Disposable Diapers Market 2020" The market study focuses on industry dynamics including driving factors to provide the key elements fueling the current market growth. The report also identifies restraints and opportunities to identify high growth segments involved in the Baby Disposable Diapers market. Key industrial factors such as macroeconomic and microeconomic factors are studied in detail with help of PESTEL analysis in order to have a holistic view of factors impacting Baby Disposable Diapers market growth across the globe. Market growth is forecasted with the help of complex algorithms such as regression analysis, sentiment analysis of end-users, etc.
This document provides a detailed project report for establishing a bakery unit by PACS to generate additional income and employment. Key details include:
- The unit will produce khari, rusk, and atta biscuits with a total installed capacity of 500kg per day.
- Total project cost is Rs. 60 lakhs to be financed through promoter's capital, loan, and government subsidy.
- Over six years, sales are projected to increase from Rs. 10.75 crores to Rs. 13.82 crores as capacity utilization rises from 70% to 90%.
- The bakery will source raw materials locally and employ 20 people. It is expected to break even in year 4
This document provides an overview of South Africa's readiness to take advantage of economic opportunities in the digital age. It examines the country's universal digital access in areas such as infrastructure, regulation, affordability, and internet usage. Key points discussed include South Africa's electricity and internet infrastructure, including undersea cables and mobile/fixed line coverage. The document also notes challenges such as electricity supply constraints facing Eskom and the impact of load shedding on the economy.
This document provides an annual report for the 2009-2010 fiscal year for Tata Steel, an Indian steel company. It summarizes Tata Steel's performance over the challenging previous two years during the global economic downturn, highlighting its resilience and continued focus on growth initiatives, product innovation, corporate citizenship, and core values. It also outlines Tata Steel's global operations and expansion plans in India and other Asian countries to maintain its position as a global player and product pioneer despite economic turbulence.
Enabling Digital Sustainability by Jutta EcksteinJutta Eckstein
This is a New Zealand wide meetup event with meetup groups from Auckland, Wellington and Christchurch attending and open to anyone with an interest in digital sustainability or agile. All welcome. Joke, this is how it started. Jutta is now also available in Germany, i.e. hosted by Berlin/Brandenburg
According to the World Economic Forum, digital technologies can help reduce global carbon emissions by up to 15%. However, digitalization also comes with some challenges. Thus, if we want to make a positive impact by increasing sustainability, we need to address challenges like the digital divide, energy consumption of IT, or the rise of electronic waste. In this talk, I want to explore how Agile can help to leverage Digital Sustainability.
SATTA MATKA DPBOSS KALYAN MATKA RESULTS KALYAN CHART KALYAN MATKA MATKA RESULT KALYAN MATKA TIPS SATTA MATKA MATKA COM MATKA PANA JODI TODAY BATTA SATKA MATKA PATTI JODI NUMBER MATKA RESULTS MATKA CHART MATKA JODI SATTA COM INDIA SATTA MATKA MATKA TIPS MATKA WAPKA ALL MATKA RESULT LIVE ONLINE MATKA RESULT KALYAN MATKA RESULT DPBOSS MATKA 143 MAIN MATKA KALYAN MATKA RESULTS KALYAN CHART
This document provides background information on Uganda's budget for the 2014/15 fiscal year. It summarizes Uganda's macroeconomic performance in FY2013/14 and outlines the country's medium-term fiscal strategy and priorities. Key points include:
- Economic growth slowed to 4.7% in FY2013/14 due to domestic and external factors like the global economic crisis, trade deficit widening, and impacts of the war in South Sudan.
- Tax revenue fell short of targets, leading to increased domestic borrowing and reduced savings. However, infrastructure spending provided a fiscal stimulus equivalent to 0.7% of GDP.
- The medium-term outlook is positive, with growth projected to rebound to 6
This document is the background to Uganda's budget for the 2014/15 fiscal year. It discusses maintaining economic momentum through infrastructure investment. It provides an overview of the global and regional economic environment and Uganda's macroeconomic performance in FY2013/14. Key points include steady GDP growth of 5-6% driven by infrastructure expansion, lower inflation, increased private sector credit, and a stable balance of payments. The document also outlines sector performances and priorities for transport, energy, education and others. It concludes with Uganda's medium-term macroeconomic and fiscal framework.
This document summarizes a feasibility study conducted by EC Oregon on developing anaerobic digesters at dairy farms in Oregon. The study assessed the technical and financial viability of digesters using dairy manure alone or co-digesting manure with other organic waste. The study found that digesters using only dairy manure were technically sound but not financially attractive. Co-digesting manure with high-energy waste was required for project viability. Successful dairy biogas projects will require managing financing, incentives, and negotiating power purchase agreements. Recommendations are provided to facilitate collaboration between industries and stakeholders to promote digesters in Oregon.
ICF Energy Efficiency in HOME Affordable Housing ManualICF_HCD
This document provides a manual for incorporating energy efficiency into housing developments funded by HUD's HOME Investment Partnerships Program (HOME). The manual is intended to help Participating Jurisdictions, community organizations, and subrecipients implement energy efficiency practices and ENERGY STAR standards. It offers guidance on strategies for new construction, rehabilitation of existing housing, and calculating potential energy and cost savings from various measures. The manual also identifies funding partners and programs that can help overcome barriers to energy efficiency. Finally, it provides climate-specific recommendations for common efficiency upgrades in different regions covered by HUD's San Francisco office.
This document provides a summary of a performance management guide for municipalities published by the UNDP. The guide aims to help municipalities establish performance monitoring systems to improve services for citizens. It outlines 8 steps for instituting a performance management framework, including organizing efforts, identifying outcomes and indicators, collecting and analyzing data, reporting results, setting targets, using information to improve services, and building capacity. The guide emphasizes measuring service outcomes and quality of life for citizens. It also discusses linking local performance measures to national goals like the Millennium Development Goals.
This document summarizes the findings of a documentation exercise on the integrated community case management (iCCM) program in the Democratic Republic of Congo (DRC). It provides background on the iCCM approach and an overview of the DRC program. Key findings from analyzing data collected through document reviews, interviews, and focus groups at national, regional, district and community levels are presented. The analysis identified successes of the DRC program including strong leadership and coordination, effective technical documents, and integrated management of major childhood illnesses at community sites. It also noted bottlenecks such as the lack of a long-term extension plan and weakening advocacy. The document concludes with lessons learned that may help other countries implement iCCM programs, such as establishing supportive policies
This Report on Financing Solar Energy provides policy recommendations to enable low cost financing and greater accessibility to finance for Solar Energy projects in India. The paper also highlights the barriers to financing for solar energy projects, the financing needs of the sector based on base case and best case scenarios, and the solutions to channel cost effective finance to the sector.
Coffee Market Report 2022 Report Link- https://www.www.cognitivemarketresearch.com/Coffee-Market-Report
Cognitive Market Research provides detailed analysis of Coffee in our recently published report titled, "Coffee 2022" The market study focuses on industry dynamics including driving factors to provide the key elements fueling the current market growth. The report also identifies restraints and opportunities to identify high growth segments involved in the Coffee market. Key industrial factors such as macroeconomic and microeconomic factors are studied in detail with help of PESTEL analysis in order to have a holistic view of factors impacting Coffee market growth across the globe. Market growth is forecasted with the help of complex algorithms such as regression analysis, sentiment analysis of end-users, etc. #CoffeeReport #CoffeeMarket #CoffeeMarketForecast #CoffeeMarketStatus
Coffee Market Report 2022 Report Link- https://www.www.cognitivemarketresearch.com/Coffee-Market-Report Cognitive Market Research provides detailed analysis of Coffee in our recently published report titled, "Coffee 2022" The market study focuses on industry dynamics including driving factors to provide the key elements fueling the current market growth. The report also identifies restraints and opportunities to identify high growth segments involved in the Coffee market. Key industrial factors such as macroeconomic and microeconomic factors are studied in detail with help of PESTEL analysis in order to have a holistic view of factors impacting Coffee market growth across the globe. Market growth is forecasted with the help of complex algorithms such as regression analysis, sentiment analysis of end-users, etc. #CoffeeReport #CoffeeMarket #CoffeeMarketForecast #CoffeeMarketStatus #CoffeeMarket2022
Coffee Market Report 2022 Report Link- https://www.www.cognitivemarketresearch.com/Coffee-Market-Report
Cognitive Market Research provides detailed analysis of Coffee in our recently published report titled, "Coffee 2022" The market study focuses on industry dynamics including driving factors to provide the key elements fueling the current market growth. The report also identifies restraints and opportunities to identify high growth segments involved in the Coffee market. Key industrial factors such as macroeconomic and microeconomic factors are studied in detail with help of PESTEL analysis in order to have a holistic view of factors impacting Coffee market growth across the globe. Market growth is forecasted with the help of complex algorithms such as regression analysis, sentiment analysis of end-users, etc. #CoffeeReport
#CoffeeMarket #CoffeeMarketForecast #CoffeeMarketStatus
Dowload the free PDF file of Report Sample Pages. Cognitive Market Research has recently published report titled, "Organic Milk Products Market 2020" which provides detailed analysis of Organic Milk Products Market. The market study focuses on understanding industry dynamics along with driving factors to provide the key elements fueling the current market growth. The report also identifies restraints for Organic Milk Products market, to understand factors which will restrict the growth of Organic Milk Products market. Key industrial factors such as macroeconomic and microeconomic factors are studied in depth with the help of PESTEL analysis in order to have a holistic view of factors impacting Organic Milk Products market growth in various regions across the globe. Market forecast takes place with the help of complex algorithms such as regression analysis, sentiment analysis of end-users, etc.
Global Baby Care and Mother Care Products Market Report 2022
Report Link- https://www.cognitivemarketresearch.com/Baby-Care-and-Mother-Care-Products-Market-Report Cognitive Market Research provides detailed analysis of Global Baby Care and Mother Care Products in our recently published report titled, "Global Baby Care and Mother Care Products 2022" The market study focuses on industry dynamics including driving factors to provide the key elements fueling the current market growth. The report also identifies restraints and opportunities to identify high growth segments involved in the Global Baby Care and Mother Care Products market. Key industrial factors such as macroeconomic and microeconomic factors are studied in detail with help of PESTEL analysis in order to have a holistic view of factors impacting Global Baby Care and Mother Care Products market growth across the globe. Market growth is forecasted with the help of complex algorithms such as regression analysis, sentiment analysis of end-users, etc. #GlobalBabyCareandMotherCareProductsReport #GlobalBabyCareandMotherCareProductsMarket #GlobalBabyCareandMotherCareProductsMarketForecast #GlobalBabyCareandMotherCareProductsMarketStatus #GlobalBabyCareandMotherCareProductsMarket2022
Agenda21 United Nations - Summary PublicationAndrew Parish
The document provides a summary of national implementation of Agenda 21 based on reports submitted by 130 countries to the United Nations. It covers several sustainable development issues including agriculture, combating poverty, decision-making, education, energy, freshwater, health, information, and oceans. For each issue, it analyzes the status of national implementation in terms of decision-making structures, participation of major groups, education and awareness programs, information management, financing, technology, and international cooperation. The summary identifies trends in implementation progress across world regions to inform the 2002 World Summit on Sustainable Development in Johannesburg.
The document provides a strategic plan for infrastructure development in the Indian state of Tamil Nadu, with the goal of achieving Vision Tamil Nadu 2023. It outlines key outcomes including economic growth targets, sector investment plans, and 10 strategic initiatives. The total estimated infrastructure investment is INR 35 lakh crore between 2012-2023 across sectors like energy, transport, industrial, urban, agriculture, and human development. Public-private partnerships are emphasized as a mechanism for infrastructure creation.
This document outlines the Beef Industry Strategic Plan 2020 (BISP2020). It identifies five strategic pillars to focus industry efforts and resources between now and 2020: 1) Industry Leadership and Collaboration, 2) Market Growth and Diversification, 3) Value Chain Efficiency and Integrity, 4) Productivity and Profitability, and 5) Community and Consumer Support. For each pillar, it describes the strategic intent and what success may look like by 2020. It then identifies 10 priority areas for investment ranked as top, high or medium priority based on expected benefits to the industry by 2020. The plan aims to strengthen Australia's competitive position as a trusted supplier of premium quality and sustainable beef products.
This document provides a training manual for modules on food safety and nutrition awareness. The first module discusses the need for food safety and introduces microorganisms. It explains the relationship between malnutrition and infection, the role of schools in promoting hygiene and nutrition, and how foodborne diseases spread. The module also defines useful and harmful microbes, their growth requirements, and how to control microbial growth through time and temperature principles. The document was prepared by food safety and nutrition experts from the EU-India Capacity Building Initiative for Trade Development project.
Cognitive Market Research provides detailed analysis of Baby Disposable Diapers Market in our recently published report titled, "Baby Disposable Diapers Market 2020" The market study focuses on industry dynamics including driving factors to provide the key elements fueling the current market growth. The report also identifies restraints and opportunities to identify high growth segments involved in the Baby Disposable Diapers market. Key industrial factors such as macroeconomic and microeconomic factors are studied in detail with help of PESTEL analysis in order to have a holistic view of factors impacting Baby Disposable Diapers market growth across the globe. Market growth is forecasted with the help of complex algorithms such as regression analysis, sentiment analysis of end-users, etc.
This document provides a detailed project report for establishing a bakery unit by PACS to generate additional income and employment. Key details include:
- The unit will produce khari, rusk, and atta biscuits with a total installed capacity of 500kg per day.
- Total project cost is Rs. 60 lakhs to be financed through promoter's capital, loan, and government subsidy.
- Over six years, sales are projected to increase from Rs. 10.75 crores to Rs. 13.82 crores as capacity utilization rises from 70% to 90%.
- The bakery will source raw materials locally and employ 20 people. It is expected to break even in year 4
This document provides an overview of South Africa's readiness to take advantage of economic opportunities in the digital age. It examines the country's universal digital access in areas such as infrastructure, regulation, affordability, and internet usage. Key points discussed include South Africa's electricity and internet infrastructure, including undersea cables and mobile/fixed line coverage. The document also notes challenges such as electricity supply constraints facing Eskom and the impact of load shedding on the economy.
This document provides an annual report for the 2009-2010 fiscal year for Tata Steel, an Indian steel company. It summarizes Tata Steel's performance over the challenging previous two years during the global economic downturn, highlighting its resilience and continued focus on growth initiatives, product innovation, corporate citizenship, and core values. It also outlines Tata Steel's global operations and expansion plans in India and other Asian countries to maintain its position as a global player and product pioneer despite economic turbulence.
Enabling Digital Sustainability by Jutta EcksteinJutta Eckstein
This is a New Zealand wide meetup event with meetup groups from Auckland, Wellington and Christchurch attending and open to anyone with an interest in digital sustainability or agile. All welcome. Joke, this is how it started. Jutta is now also available in Germany, i.e. hosted by Berlin/Brandenburg
According to the World Economic Forum, digital technologies can help reduce global carbon emissions by up to 15%. However, digitalization also comes with some challenges. Thus, if we want to make a positive impact by increasing sustainability, we need to address challenges like the digital divide, energy consumption of IT, or the rise of electronic waste. In this talk, I want to explore how Agile can help to leverage Digital Sustainability.
SATTA MATKA DPBOSS KALYAN MATKA RESULTS KALYAN CHART KALYAN MATKA MATKA RESULT KALYAN MATKA TIPS SATTA MATKA MATKA COM MATKA PANA JODI TODAY BATTA SATKA MATKA PATTI JODI NUMBER MATKA RESULTS MATKA CHART MATKA JODI SATTA COM INDIA SATTA MATKA MATKA TIPS MATKA WAPKA ALL MATKA RESULT LIVE ONLINE MATKA RESULT KALYAN MATKA RESULT DPBOSS MATKA 143 MAIN MATKA KALYAN MATKA RESULTS KALYAN CHART
Unlocking WhatsApp Marketing with HubSpot: Integrating Messaging into Your Ma...Niswey
50 million companies worldwide leverage WhatsApp as a key marketing channel. You may have considered adding it to your marketing mix, or probably already driving impressive conversions with WhatsApp.
But wait. What happens when you fully integrate your WhatsApp campaigns with HubSpot?
That's exactly what we explored in this session.
We take a look at everything that you need to know in order to deploy effective WhatsApp marketing strategies, and integrate it with your buyer journey in HubSpot. From technical requirements to innovative campaign strategies, to advanced campaign reporting - we discuss all that and more, to leverage WhatsApp for maximum impact. Check out more details about the event here https://events.hubspot.com/events/details/hubspot-new-delhi-presents-unlocking-whatsapp-marketing-with-hubspot-integrating-messaging-into-your-marketing-strategy/
L'indice de performance des ports à conteneurs de l'année 2023SPATPortToamasina
Une évaluation comparable de la performance basée sur le temps d'escale des navires
L'objectif de l'ICPP est d'identifier les domaines d'amélioration qui peuvent en fin de compte bénéficier à toutes les parties concernées, des compagnies maritimes aux gouvernements nationaux en passant par les consommateurs. Il est conçu pour servir de point de référence aux principaux acteurs de l'économie mondiale, notamment les autorités et les opérateurs portuaires, les gouvernements nationaux, les organisations supranationales, les agences de développement, les divers intérêts maritimes et d'autres acteurs publics et privés du commerce, de la logistique et des services de la chaîne d'approvisionnement.
Le développement de l'ICPP repose sur le temps total passé par les porte-conteneurs dans les ports, de la manière expliquée dans les sections suivantes du rapport, et comme dans les itérations précédentes de l'ICPP. Cette quatrième itération utilise des données pour l'année civile complète 2023. Elle poursuit le changement introduit l'année dernière en n'incluant que les ports qui ont eu un minimum de 24 escales valides au cours de la période de 12 mois de l'étude. Le nombre de ports inclus dans l'ICPP 2023 est de 405.
Comme dans les éditions précédentes de l'ICPP, la production du classement fait appel à deux approches méthodologiques différentes : une approche administrative, ou technique, une méthodologie pragmatique reflétant les connaissances et le jugement des experts ; et une approche statistique, utilisant l'analyse factorielle (AF), ou plus précisément la factorisation matricielle. L'utilisation de ces deux approches vise à garantir que le classement des performances des ports à conteneurs reflète le plus fidèlement possible les performances réelles des ports, tout en étant statistiquement robuste.
Adani Group Requests For Additional Land For Its Dharavi Redevelopment Projec...Adani case
It will bring about growth and development not only in Maharashtra but also in our country as a whole, which will experience prosperity. The project will also give the Adani Group an opportunity to rise above the controversies that have been ongoing since the Adani CBI Investigation.
63662490260Kalyan chart, satta matta matka 143, satta matka jodi fix , matka boss OTC 420, Indian Satta, India matka, matka ank, spbossmatka, online satta matka game play, live satta matka results, fix fix fix satta namber, free satta matka games, Kalyan matka jodi chart, Kalyan weekly final anl matka 420
Easy Earnings Through Refer and Earn Apps Without KYC.pptxFx Lotus
Learn how to make extra money with refer and earn apps that don’t require KYC. Find out the advantages, top apps, and strategies to boost your earnings quickly and easily.
Satta matka fixx jodi panna all market dpboss matka guessing fixx panna jodi kalyan and all market game liss cover now 420 matka office mumbai maharashtra india fixx jodi panna
Call me 9040963354
WhatsApp 9040963354
NewBase 20 June 2024 Energy News issue - 1731 by Khaled Al Awadi_compressed.pdfKhaled Al Awadi
Greetings,
Hawk Energy is pleased to present you with the latest energy news
NewBase 20 June 2024 Energy News issue - 1731 by Khaled Al Awadi
Regards.
Founder & S.Editor - NewBase Energy
Khaled M Al Awadi, Energy Consultant
MS & BS Mechanical Engineering (HON), USAGreetings,
Hawk Energy is pleased to present you with the latest energy news
NewBase 20 June 2024 Energy News issue - 1731 by Khaled Al Awadi
Regards.
Founder & S.Editor - NewBase Energy
Khaled M Al Awadi, Energy Consultant
MS & BS Mechanical Engineering (HON), USAGreetings,
Hawk Energy is pleased to present you with the latest energy news
NewBase 20 June 2024 Energy News issue - 1731 by Khaled Al Awadi
Regards.
Founder & S.Editor - NewBase Energy
Khaled M Al Awadi, Energy Consultant
MS & BS Mechanical Engineering (HON), USAGreetings,
Hawk Energy is pleased to present you with the latest energy news
NewBase 20 June 2024 Energy News issue - 1731 by Khaled Al Awadi
Regards.
Founder & S.Editor - NewBase Energy
Khaled M Al Awadi, Energy Consultant
MS & BS Mechanical Engineering (HON), USAGreetings,
Hawk Energy is pleased to present you with the latest energy news
NewBase 20 June 2024 Energy News issue - 1731 by Khaled Al Awadi
Regards.
Founder & S.Editor - NewBase Energy
Khaled M Al Awadi, Energy Consultant
MS & BS Mechanical Engineering (HON), USAGreetings,
Hawk Energy is pleased to present you with the latest energy news
NewBase 20 June 2024 Energy News issue - 1731 by Khaled Al Awadi
Regards.
Founder & S.Editor - NewBase Energy
Khaled M Al Awadi, Energy Consultant
MS & BS Mechanical Engineering (HON), USA
[To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
Unlock the full potential of the MECE (Mutually Exclusive, Collectively Exhaustive) Principle with this comprehensive PowerPoint deck. Designed to enhance your analytical skills and strategic decision-making, this presentation guides you through the fundamental concepts, advanced techniques, and practical applications of the MECE framework, ensuring you can apply it effectively in various business contexts.
The MECE Principle, developed by Barbara Minto, an ex-consultant at McKinsey, is a foundational tool for structured thinking. Minto is also renowned for the Minto Pyramid Principle, which emphasizes the importance of logical structuring in writing and presenting ideas. This presentation includes a clear explanation of the MECE principle and its significance. It offers a detailed exploration of MECE concepts and categories, highlighting how to create mutually exclusive and collectively exhaustive segments. You will learn to combine MECE with other powerful business frameworks like SWOT, Porter's Five Forces, and BCG Matrix. Discover sophisticated methods for applying MECE in complex scenarios and enhancing your problem-solving abilities. The deck also provides a step-by-step guide to performing thorough and structured MECE analyses, ensuring no aspect is overlooked. Insider tips are included to help you avoid common mistakes and optimize your MECE applications.
The presentation features illustrative examples from various industries to show MECE in action, providing practical insights and inspiration. It includes engaging group activities designed for the practice of the MECE principle, fostering collaborative learning and application. Key takeaways and success factors for mastering the MECE principle and applying it in your professional work are also covered.
The MECE Principle presentation is meticulously designed to provide you with all the tools and knowledge you need to master the MECE principle. Whether you're a business analyst, manager, or strategist, this presentation will empower you to deliver insightful and actionable analysis, drive better decision-making, and achieve outstanding results.
LEARNING OBJECTIVES:
1. Understand the MECE Principle
2. Improve Analytical Skills
3. Apply MECE Framework
4. Enhance Decision-Making
5. Optimize Resource Allocation
6. Facilitate Strategic Planning
SATTA MATKA DPBOSS KALYAN MATKA RESULTS KALYAN CHART KALYAN MATKA MATKA RESULT KALYAN MATKA TIPS SATTA MATKA MATKA COM MATKA PANA JODI TODAY BATTA SATKA MATKA PATTI JODI NUMBER MATKA RESULTS MATKA CHART MATKA JODI SATTA COM INDIA SATTA MATKA MATKA TIPS MATKA WAPKA ALL MATKA RESULT LIVE ONLINE MATKA RESULT KALYAN MATKA RESULT DPBOSS MATKA 143 MAIN MATKA KALYAN MATKA RESULTS KALYAN CHART
Revolutionizing Surface Protection Xlcoatings Nano Based SolutionsExcel coatings
Excelcoating Transforming surface protection with their cutting-edge, eco-friendly nano-based coatings. This presentation delves into their innovative product lineup, including Excel CoolCoat for roof cooling, Excel NanoSeal for cement surfaces, Excel StayCool for UV-filtering glass, Excel StayClean for solar panels, Excel CoolTile for heat-reflective tiles, and Excel InsulX for film insulation.
japanese language course in delhi near meheyfairies7
Next is the Nihon Language Academy in East Delhi, renowned for its comprehensive curriculum and interactive teaching methods. They boast a faculty of experienced educators with a blend of both Indian and Japanese nationals. The academy provides extensive support for JLPT exam preparation along with personalized tutoring sessions if needed. Nihon Language Academy also arranges exchange programs with partner institutes in Japan, which provides students an opportunity to experience Japanese culture and language first-hand.
Adani Group's Active Interest In Increasing Its Presence in the Cement Manufa...Adani case
Time and again, the business group has taken up new business ventures, each of which has allowed it to expand its horizons further and reach new heights. Even amidst the Adani CBI Investigation, the firm has always focused on improving its cement business.
SATTA MATKA DPBOSS KALYAN MATKA RESULTS KALYAN CHART KALYAN MATKA MATKA RESULT KALYAN MATKA TIPS SATTA MATKA MATKA COM MATKA PANA JODI TODAY BATTA SATKA MATKA PATTI JODI NUMBER MATKA RESULTS MATKA CHART MATKA JODI SATTA COM INDIA SATTA MATKA MATKA TIPS MATKA WAPKA ALL MATKA RESULT LIVE ONLINE MATKA RESULT KALYAN MATKA RESULT DPBOSS MATKA 143 MAIN MATKA KALYAN MATKA RESULTS KALYAN CHART INDIA MATKA KALYAN SATTA MATKA 420 INDIAN MATKA SATTA KING MATKA FIX JODI FIX FIX FIX SATTA NAMBAR MATKA INDIA SATTA BATTA
SATTA MATKA DPBOSS KALYAN MATKA RESULTS KALYAN CHART KALYAN MATKA MATKA RESULT KALYAN MATKA TIPS SATTA MATKA MATKA COM MATKA PANA JODI TODAY BATTA SATKA MATKA PATTI JODI NUMBER MATKA RESULTS MATKA CHART MATKA JODI SATTA COM INDIA SATTA MATKA MATKA TIPS MATKA WAPKA ALL MATKA RESULT LIVE ONLINE MATKA RESULT KALYAN MATKA RESULT DPBOSS MATKA 143 MAIN MATKA KALYAN MATKA RESULTS KALYAN CHART
SATTA MATKA DPBOSS KALYAN MATKA RESULTS KALYAN CHART KALYAN MATKA MATKA RESULT KALYAN MATKA TIPS SATTA MATKA MATKA COM MATKA PANA JODI TODAY BATTA SATKA MATKA PATTI JODI NUMBER MATKA RESULTS MATKA CHART MATKA JODI SATTA COM INDIA SATTA MATKA MATKA TIPS MATKA WAPKA ALL MATKA RESULT LIVE ONLINE MATKA RESULT KALYAN MATKA RESULT DPBOSS MATKA 143 MAIN MATKA KALYAN MATKA RESULTS KALYAN CHART
Sustainable Logistics for Cost Reduction_ IPLTech Electric's Eco-Friendly Tra...
1.MILK_PROCESSING_10000_LPD.pdf
1. NABARD Page i
Model Project
on
Milk Processing
10000 LPD
(September 2014)
National Bank for Agriculture and Rural Development
Plot No C-24, "G" Block Bandra-Kurla Complex
P.B.No 8121
Bandra (E)
Mumbai - 400051
Tel : (91) 022-26539895 / 96 /99
www.nabard.org
2. NABARD Page ii
TABLE OF CONTENTS
1. INTRODUCTION...................................................................................................................................1
2. MILK PROCUREMENT AND PROCESSING............................................................................................2
3. EXPORT PERFORMANCE......................................................................................................................2
4. OBJECTIVES OF THE PROJECT..............................................................................................................2
5. TYPE OF PROJECTS ..............................................................................................................................3
6. POTENTIAL AREAS...............................................................................................................................3
7. BENEFICIARIES.....................................................................................................................................3
8. PROJECT DETAILS ................................................................................................................................4
8.1 Land and Location.........................................................................................................................4
8.2 Site Development..........................................................................................................................4
8.3 Layout and Buildings.....................................................................................................................5
8.4 Plant and Machinery.....................................................................................................................6
8.5 Technical Collaboration ................................................................................................................7
8.6 Manufacturing Process .................................................................................................................7
8.7 Infrastructural Facilities for Raw Material and Utilities................................................................8
8.7.1 Raw Material..........................................................................................................................8
8.7.2 Utilities...................................................................................................................................8
8.8 Manpower.....................................................................................................................................9
8.9 Environmental Aspects and Pollution Control............................................................................10
8.10 Schedule of Implementation.....................................................................................................10
8.11 Products ....................................................................................................................................10
8.12 Marketing and Selling Arrangements .......................................................................................10
8.13 Business Prospects....................................................................................................................11
9. CAPITAL COST OF PROJECT ...............................................................................................................11
10. ECONOMICS OF THE PROJECT.........................................................................................................11
11. FINANCIAL ANALYSIS.......................................................................................................................12
12. WORKING CAPITAL..........................................................................................................................12
13. FINANCIAL ASSISTANCE ..................................................................................................................13
13.1 Means of Finance......................................................................................................................13
13.2 Margin money...........................................................................................................................13
13.3 Bank loan...................................................................................................................................13
13.4 Grant & subsidy.........................................................................................................................13
13.5 Interest rate ..............................................................................................................................14
13.6 Security .....................................................................................................................................14
13.6.1 Primary Security.................................................................................................................14
3. NABARD Page iii
13.6.2 Collateral Security..............................................................................................................14
13.6.3 Hypothecation of Stocks ....................................................................................................15
14. REPAYMENT PERIOD AND DSCR ....................................................................................................15
15. DEPRECIATION SCHEDULE ..............................................................................................................15
16. APPROVALS AND PERMISSIONS......................................................................................................15
Annexure 1 - Flow Diagram for a milk processing unit of 10000 LPD...................................................16
Annexure II - Project at a glance for 10000 LPD milk processing plant ...............................................17
Annexure III – Techno Economic Parameters.......................................................................................18
Annexure IV – Income Projections........................................................................................................19
Annexure V – Expenditure Projections .................................................................................................20
Annexure VI – Depreciation Schedule ..................................................................................................21
Annexure VII - Calculation of NPW, BCR & IRR.....................................................................................22
Annexure VIII – Repayment Schedule..................................................................................................23
Annexure IX – Calculation of Financials and DSCR...............................................................................24
Annexure X – Working Capital Calculation ...........................................................................................25
DISCLAIMER...........................................................................................................................................26
4. NABARD Page 1
MODEL PROJECT REPORT
1. INTRODUCTION
1.1 India is endowed with a largest livestock population in the world having a total bovine
population of 304 million compared to the world's total bovine population of 1400 million. It
accounts for 57.3% of the world’s buffalo population and 14.7% of the cattle population. As
per 18th
Livestock Census, 2007 the country has 33.06 million cross bred cattle, 199.07
million indigenous cattle and105.34 million buffaloes. The cross bred cattle are
predominant in Tamil Nadu, Maharashtra, West Bengal, Karnataka, Andhra Pradesh, Uttar
Pradesh and Bihar, While buffaloes are very common in Uttar Pradesh, Rajasthan, Andhra
Pradesh, Madhya Pradesh, Gujarat, Punjab, Haryana and Bihar.
1.3 There has been a major improvement in milk production, which increased from 17
million tonnes in 1951 to 127.9 million tonnes during 2011-12. Uttar Pradesh, Punjab,
Madhya Pradesh, Rajasthan, Maharashtra, Gujarat, Andhra Pradesh, Haryana, Tamil Nadu
and Bihar contributed to the extent of 80 percent of the total milk production in the country.
The per capita availability of the milk has reached a level of 290 grams per day during the
year 2011-12, which is more than the world average of 284 grams per day. Most of the milk
in the country is produced by small, marginal farmers and landless laborers.
1.4 Recognizing the importance of the sector, several key initiatives were taken by the
Govt. in the past ranging from Operation Flood (OF) programme, Intensive Dairy
Development Programme (IDDP), Strengthening infrastructure for Clean Milk Production,
Assistance to Cooperatives, Venture Capital Fund (VCF) for Dairy, Dairy Entrepreneurship
Development Scheme etc.
1.5 In order to meet the rapidly growing demand for milk with a focus to improve milch
animal productivity and increase milk production, the Government has approved National
Dairy Plan Phase-I (NDP-I) in February, 2012 with a total investment of about Rs.2242
crore to be implemented from 2011-12 to 2016-17. NDP-I will help to meet the projected
national demand of 150 million tons of milk by 2016-17 from domestic production through
productivity enhancement, strengthening and expanding village level infrastructure for milk
procurement and provide producers with greater access to markets. NDP-I would focus on
5. NABARD Page 2
14 major milk producing States - Uttar Pradesh, Punjab, Haryana, Gujarat, Rajasthan,
Madhya Pradesh, Bihar, West Bengal, Maharashtra, Karnataka, Tamil Nadu, Andhra
Pradesh, Orissa and Kerala which account for over 90% of the country’s milk production.
Coverage of NDP- I will however be across the country in terms of benefits accruing from
the scheme.
1.6 Department of Animal Husbandry, Dairying & Fisheries, Ministry of Agriculture,
Government of India is also implementing “National Programme on Bovine Breeding &
Dairy Development (NPBBDD) from 2013-14 to 2016-17 through the State Implementing
Agencies / End Implementing Agencies / Participating Agencies (Source: http://dahd.nic.in).
2. MILK PROCUREMENT AND PROCESSING
The organized dairy sector (both cooperatives and private) is presently handles about 15 per
cent of total milk production in the country. Thus it indicates, there is a wide scope for
processing of milk and manufacture of milk products for domestic consumption as well as
export.
3. EXPORT PERFORMANCE
Dairy products form one of the fastest growing segments in the livestock product export.
India's Export of Dairy products was 159228.52 MT to the world for the worth of
Rs.3318.53 crores during the year 2013-14.The major export destinations are Bangladesh,
Egypt, UAE, Algeria, Yemen Republic, Pakistan, Saudi Arabia and Malaysia. The major
products exported were Butter & other milk fat, cheese, Whole Milk Powder, Skimmed Milk
Powder, fresh cream, ghee, butter milk etc.
4. OBJECTIVES OF THE PROJECT
The financial assistance is extended for processing of milk with the following objectives.
i) To enhance the keeping quality of milk
ii) To avoid the economic losses to farmers by procuring the milk in time from them
iii) To manufacture various milk products as per market demand
iv) To provide quality products at affordable prices to the consumers.
6. NABARD Page 3
5. TYPE OF PROJECTS
The types of milk processing projects that are normally considered for financial assistance
are:
i) Bulk Milk Cooler (BMC) / Milk Chilling plants
This involves collection of milk from villages, chilling the milk to 3-4 degree Celsius and
transporting to the main dairy for further processing and manufacture of products. In
majority of cases these are part of the milk processing facility
ii). Market Milk Plants / Milk Processing Plants
It involves procurement of milk from the villages, chilling, standardization,
homogenization,pasteurization, packing of market milks of various kinds (whole,
standardised, toned and double toned milk) as well as manufacture of milk products.
6. POTENTIAL AREAS
India is leading in production of milk and dairy is one of the major subsidiary activities of
most of the farmers. Despite of highest production in the world there is always a demand
supply miss match for milk and milk products. The demand for milk and milk products is at
its peak during festive occasions like Diwali, Id, Holi, etc. In order to meet the demand
during its peak, the milk needs to be converted to various milk products due to its perishable
nature. But there is lack of processing infrastructure in the country. Therefore, there is good
scope for financing milk processing activities in entire country.
7. BENEFICIARIES
The beneficiaries may be individuals, partnership firms, companies, corporate bodies,
cooperative societies/unions etc.New entrepreneurs may start their business as an individual,
proprietary concern, partnership firm or a joint stock company. Individual & proprietary
concern should have their PAN number and should preferably have a bank account.
Partnership firms should execute a partnership deed as per Indian Partnership Act 1932 on a
Non Judicial Stamp Paper as per the Stamp Act of the State Government and register the
partnership firm with the Ministry of Corporate affairs. Details of procedure to be followed
7. NABARD Page 4
are available at:http://www.mca.gov.in/Ministry/actsbills/pdf/Partnership_Act_1932.pdf. The
joint stock company can be formed as private limited, public limited or Producers Company
as per The Company Act 2013, the details of which are given on the website of Ministry as
link http://www.mca.gov.in/MinistryV2/companiesact.html.
8. PROJECT DETAILS
8.1 Land and Location
i) Ample space is required for buildings, future expansion, parking of transport vehicles and
for empty cans. About two acres of land is required for a milk processing plant handling
about 10000 liters of milk per day (8 hours). However, the built-up area to total area should
be normally around 1:3. The exact design and details of the built up area has to be decided in
consultation with the plant and machinery supplier or with a professional dairy consultant.
ii) The location of a plant should be close to the milk producing area in case of products
manufacturing unit and if liquid milk is the main product it should be close to the
consumption centres.
iii) The location of site should have proximity to road/rail facilities, services, such as water,
electricity and effluent mains, social infrastructure, etc.
iv) Subsoil of the site should be firm with proper drainage. It is always advisable to conduct
soil investigation for load bearing before setting up dairy processing plant.
8.2 Site Development
i) Preferably the entire site should be fenced with barbed wire or compound wall is
constructed with gates at suitable places
ii) Internal roads should be of tar/bricks/WBM depending upon the soil conditions, rainfall
and the number of vehicles moving every day.
iii) At the Raw Milk Reception area there should be provision for unloading cans from
different types of vehicle.
iv)Proper drainage arrangements should be made to ensure cleanliness.
8. NABARD Page 5
8.3 Layout and Buildings
The civil works comprise of main processing building, which includes Raw Milk Reception
Dock, Main processing hall, provision for manufacture of other products, cold storage, CIP,
Laboratory, quarters, office, garages, security post etc. The factory building for the milk
reception, quality control, processing, packing and storage of milk products should be as per
BIS specifications. The total covered area depends on the processes involved, products
manufactured, the quantity of milk handled and the equipment chosen product
manufacturing. About 4000 sq.ft. area of building is required for handling 10000 liters of
milk. The essential sections of a milk processing plant are given in below.
The milk processing plant shall have the following essential facilities.
i) Raw Milk Reception Dock (RMRD) - consisting of can conveyor, can washer, weighing
balance, dump tank etc.
ii) Processing Hall - cream separator, chiller, homogenizer, pasteuriser and other related
machinery are installed.
iii) Storage area- for milk storage tanks.
iv)Products manufacturing area-depends upon the type of products, quantity of milk
handled and the machinery to be installed.
v) Packing area-for packing of liquid milk and other products.
vi) Cold storage-for keeping the milk and milk products before sending to market.
vii) Quality Control Laboratory-for testing the quality of milk and milk products.
viii) Utilities area-for installing boiler, generator set, water treatment plant, maintenance
and store area for spares.
ix) Waste water treatment plant area-for treating the dairy effluents before releasing to the
fields.
x) Quarters and office area-for all the essential staff.
xi) Vehicle parking area-both for the milk procurement and distribution vehicles.
xii) Input supply area- for providing veterinary service, supply of feed, fodder seeds, etc.
9. NABARD Page 6
8.4 Plant and Machinery
Different machinery are required for the processing plant based on the type of milk received
and products proposed. The machinery should be as per the BISspecifications. The section-
wise equipment required, their specifications and quantity for 10,000 litres capacity milk
processing plant are given below:
S.No Description Qty
I RECEPTION SECTION.
1 Can Roller Convevor. 3mtrs. 1No.
2 Can Tip Bar. 1No.
3 Electronic Weigh scale S.S.Weigh Bowl 500 L. 1-No.
4 S.S.Dump Tank - 1000 Ltrs. 1-No.
5 Disc Filter. 1-No.
6 Can Drip Saver suitable for 6 cans. 1-No.
7 S.S.Can Scrubber.(40 Ltrs.) 1-No.
8 S.S.Milk Pump.-1.5 H.P. 1-No.
9
Set of Lab Equipments. 1 Set. (including milkoscan / milkotester / Density meter /
Cryoscope / Emulsion quality analyser / HPLC etc. and the associated glass ware 1 set
II PROCESS SECTION.
1 S.S.Balance tank with Float. 100 Ltrs 1-No.
2 S.S.Milk Pump 2 H.P. 1-No.
3 S.S.Milk Chiller, Cap. 3KLPH.Make GEA 1-No.
4 S.S. Flow ControlValve. Manual. 1-No.
5 Milk Pasteuriser - 2.5 KLPH. 1-No.
6 S.S.Simplex Filter. 1-No.
7 S.S. Holding Coil for 16 secs. 1-No.
8 Flow Diversion Valve . Manual. 1-No.
9 S.S. Remote Control Panel. 1-No.
10 lnter connecting S.S. Pipeline & valves. 1 set
11 Cream Separator. Cap 500 Ltrs/ Hr. 1-No.
12 Cream tank - 1 KL 1-No.
13 Ghee Boiler - 250 Ltrs 1-No.
14 Ghee Balance Tank & Pump 1 set
15 Ghee settling tank - 250 Ltrs 1-No.
16 CIP unit 1 set
III STORAGE & PACKING SECTION.
1 H.M.S.T-M,S.Outter 5KL, Single Comp. 1-No.
2 H.M.S.T-M.S.Outter 10K1, Double Comp. 1-No.
3 S.S.Milk Pump,-1.0 H.P. 1-No.
4 Pouch Packing Machine,5000 PPH, 2-No.
5 S.S. Overhead Tank cap. 200ltrs.(lnsu) 1-No.
6 Inter Connecting SS Pipes and valves 1-set
10. NABARD Page 7
S.No Description Qty
7 Spare S.S. Pump For Tanker Filling 1-No.
8 G.l.Pipeline & controls,Driers for Air 1 set
9 Stabilizer for Packing Machine. 1-No.
IV REFRIGERATION SECTION. 1 set
V UTILITIES
1 Hot water generator. Cap. 50,000Kcal Hr.wood Fired. 1-No.
2 Chimney 3 Mtrs high above. 1-No.
3 Makeup WaterTank & Valves. (FRP - 200ltr) 1-No.
4 Water Softener Suitable Duty 1-No.
5 G.l.Pipeline, valves & water Pump. 1-No.
VI ELECTRICALS.
1 MCCB Panel for above equipments. 1-No.
2 All Cables, armoured, flexible & others 1 set
3 Generator 63 KVA
VII ERECTION &'COMMISSIONING 1Job.
There are many firms in the country who are involved in the fabrication and installation of
Dairy processing plant. Before finalising the agency for installing the plant and machinery
the company should enter in to contract with them either for turnkey basis or for providing
after sales service.
8.5 Technical Collaboration
Normally the technical collaboration may be for supply of machinery, technical know-how
for manufacture or marketing of products. If any collaboration arrangement is there, name of
the firm, country and term of agreement is required to be mentioned in the project.While
entering in to agreement with machinery supplier, provision should be made for getting the
training to the technical staff employed in the unit.
8.6 Manufacturing Process
The operations involved in the manufacturing process should be given in the form of a flow
diagram. The flow diagram for a 10,000 litres per day milk processing plant is furnished in
Annexure I.
11. NABARD Page 8
8.7 Infrastructural Facilities for Raw Material and Utilities
8.7.1 Raw Material
The principal raw material is milk. The extent of milk procurement area, milch animal
population, average milk yield, percentage of animals in milk, marketed surplus etc. will
determine the size of the plant. The method of procurement, transportation of milk and input
supply to the farmers is required to be highlighted. The availability of other inputs such as
packing materials, disinfectants and consumables should be ascertained.
8.7.2 Utilities
i) Power
Normally a three phase electricity supply is required for milk processing plants. The power
requirement depends upon the load to be connected and the necessary approval from SEB
should be obtained for connection. Depending upon the position of power supply, standby
generators may be considered for connecting the essential sections.
ii) Water
A milk processing plant requires the water in the ratio of 2:1 (2 liters of water for 1 liter of
milk processed) for cleaning of equipments, cold storage and drinking purposes (source of
water supply, quantity available and suitability for the purpose has to be mentioned).
Accordingly, the size of the well is required to be designed and depends on the quality of
water, the water softening plant may be considered.
iii) Steam
The steam requirement (kg/hr) depends upon the processes involved and the source of steam
may be met by coal/oil/gas fired / electric boiler.
iv) Fuel
The fuel is need for various processing operations. The type of fuel will depend upon the
type of boiler used for steam generation. It is therefore necessary to assess the requirement
of LDO/coal/gas and also ascertain the easy availability before purchase of boiler.
12. NABARD Page 9
v) Compressed Air
It will be required for various pneumatic operations flow control operations as well as for
cleaning purposes. The total requirement of compressed air and the capacity of the
compressors are required to be furnished.
vi) Vehicles
The vehicles required for procurement and distribution of milk depends on the quantity of
milk to be handled. The number of vehicles required, source of supply, rental charges etc.
need to be furnished. Depending upon the need, the requirement of vehicles may be
considered in the project cost. Generally, insulated vehicles will be required to transport
chilled milk and reefer vans for transport of finished products like ice cream, cheese, etc.
vii) Other Services
A maintenance workshop is an integral part of milk processing for carrying out repairs and
maintenance of equipment.
8.8 Manpower
While selecting the site, the availability of manpower should be looked into and the total
requirement of manpower depends on the operations involved and the quantity of milk
handled. For a plant handling 10000 litres of milk per day the manpower required is given
below:
Sr.
No.
Particulars Number Salary/Wages Total
(Rs./month) (Rs.year)
1 Plant Manager 1 30000 360000
2 Plant Operator 1 25000 300000
3 Field / Marketing supervisors 2 15000 360000
4 Processing supervisors 1 15000 180000
5 Mechanics 2 15000 360000
6 Driver 1 7000 84000
7 Watchman 2 5000 120000
8 Administrative/ Accounts staff 2 7000 168000
9 Laboratory staff 2 7500 180000
10 Dairy labour 8 5000 480000
Total 22 2592000
13. NABARD Page 10
8.9 Environmental Aspects and Pollution Control
The process involved is milk pasteurisation and processing of milk into toned milk and
products such as cream and ghee. The effluent will be in the form of washed water and milk
solids apart from the detergents and sanitizers used in the plant. There are no hazardous
effluents generated from a milk processing plant. However, construction of effluent
treatment plant is necessary for treating the effluents before discharging for proper disposal.
The final effluent should meet the requirements of Pollution Control Board and is necessary
to get clearance from them. The treated water can be utilised for irrigation or creating a
biotic zone where plants can be grown in and around the dairy plant.
8.10 Schedule of Implementation
Generally, it takes about 4 to 6 months period for getting the DPR, obtaining loan sanctions,
approval of plans, finalizing the suppliers and construction of various civil structures and
installation of plant and machinery. Hence, during first year of operations, only six months
of milk procurement can be assumed. Proper planning needs to be done so as to take up
various activities without any break. The activity wise schedule of implementation is to be
given in the project.
8.11 Products
The major products and by-products proposed to be manufactured along with quantities,
composition in terms of fat and SNF and costing should be indicated.
8.12 Marketing and Selling Arrangements
The market for the product (domestic and export), type of arrangements for distribution and
sales, commission and additional incentive to be given, the proposed network and the
advertisement plans should be furnished. Detailed market survey report is required to be
submitted.In the present model, the product range proposed includes toned milk,cream and
ghee. The proportion of these products (product mix) needs to be decided as per the market
requirements and it can be varied depending upon market situation and lean and flush
seasons.
14. NABARD Page 11
8.13 Business Prospects
It involves the present demand-supply for various products, gap in supply and expected
demand for various products. The major competitors and their present share are to be
ascertained. The company projections for the next 3-5 years and the basis for projection may
have to be furnished. The product wise quantities and countries where it is to be exported
need to be mentioned.
9. CAPITAL COST OF PROJECT
Broadly the capital cost includes the cost of land, development of land, fencing, internal
roads, civil works (Plant building, office, quarters etc.), plant and machinery, preliminary
and preoperative expenses, margin money for working capital, etc. The project cost of 10000
LPD model milk processing plant is given below.
S.No Component Cost (Rs lakh)
1 Land
2 Land and Site Development 15.56
3 Civil Works 43.65
4 Plant & Machinery 130.00
5 Misc. Fixed Assets 24.00
6 Vehicles 4.40
7 Preliminary & Pre-Operative Expenses 24.54*
8 Contingency @ 5% 10.10
9 Margin For working capital 5.99
Total 258.24
* includes interest during construction capitalized to the tune of Rs.13.56 lakh
The above costs and the plant and machinery details given at 8.4 are indicative and the
actuals have to be arrived at based on the location specific designs, estimates and quotations.
10. ECONOMICS OF THE PROJECT
The project at a glance for the 10000 LPD milk processing unit is given in Annexure II.
Based on the various techno-economic parameters, the economics of the project has to be
worked out for the project period or till the repayment of bank loan. The items of income
15. NABARD Page 12
includes sale of liquid milk and milk products. while the expenditure includes the cost of raw
material, transportation and commission, power, fuel, packing distribution, wages and salary,
repairs and maintenance, insurance, advertisement and other overheads. The income as well
as expenditure for each year has to be worked out and then it should be subjected to cash
flow analysis. For the model diary processing plant of 10000 litres per day, the relevant
techno-economic parameters are furnished in Annexure III.The assumptions made might
vary from place to place, hence need to be considered on case-by-case basis.
11. FINANCIAL ANALYSIS
Based on the assumptions on input and output parameters, an Income Expenditure
statement(Cash Flow Statement) prepared is presented at Annexure IV& V. The financial
indicators likeNet Present Worth (NPW), Benefit Cost Ratio (BCR), Internal Rate of Return
(IRR) etc.analysed by discounting cash flow @15% discounting rate are given in Annexure
VIIandsummary is presented in the following table :
S.
No
Financial Indicators Estimated Norms
1 Net Present Worth (Rs.lakh) 133.33 Should be +ve
2 Benefit Cost Ratio 1.03 >1.0
3 Internal Rate of Return 32.46% >15%
4 Debt Service Coverage Ratio 1.63 >1.50
12. WORKING CAPITAL
Working capital is the most crucial input for viability of any milk processing unit. Nowadays,
banks are free to finance working capital based on actual need of the borrower. A provision
of adequate working capital needs to be considered by the financing banks. The banks
provide Cash Credit Limit, commonly known as CC limit to the borrowers for meeting their
day to day expenses. The different components of working capital are work-in-process,
finished goods, sundry debtors and sundry creditors. The assessment of working capital is
presented in Annexure X.
16. NABARD Page 13
13. FINANCIAL ASSISTANCE
The project so formulated considering the above aspects should be submitted to the nearest
branch of the bank for availing credit facility for establishment of milk processing unit. The
bank will then examine the project for its technical feasibility, financial viability and
bankability. After ensuring the technical feasibility and financial viability, the project is
sanctioned by the financing bank. The loan is usually disbursed in stages for various
components depending upon the progress of the project. The end-use of the loan is verified
and constant monitoring / follow-up is done by the bank.
13.1 Means of Finance
Financing to food processing falls under priority sector lending. The loans to units meeting
the criteria of MSME are classified under MSME sector. Such units can be financed by any
scheduled commercial banks, Regional Rural Banks and Cooperative Banks. Important terms
and conditions of financing such units are discussed in this section.
13.2 Margin money
The promoters of the units need to bring their margin as per the requirement of financing
banks and also as per RBI guideline issued from time to time. The margin money varies from
minimum 10 per cent to 25 per cent of project cost. We have assumed margin money of 25
per cent in this model project.
13.3 Bank loan
The promoters of the units can approach any financing bank for finance. It is compulsory to
take bank loan to avail various subsidy schemes of government. Therefore, the promoters
who are desirous of availing subsidy should adhere to the means of finance i.e. the quantum
of bank loan & margin prescribed under the scheme.
13.4 Grant & subsidy
There are numbers of incentive from Sate Government for promotion of food industry. Some
of the states have formulated their Agro Industry Policy. The new comers should go through
these guidelines. Various incentives are available depending upon location of the unit from
District Industry Centres (DIC). Therefore, to take maximum advantage of these incentives,
entrepreneurs may contact the District Industry Centres in their state.
Ministry of Food Processing Industry, GoI is implementing a centrally sponsored scheme for
known as National Mission on Food Processing (NMFP) jointly with State Governments. The
17. NABARD Page 14
scheme will be operational during 12th Five Year Plan. Subsidy is available under this
scheme for various purposes under food processing industries. GoI has appointed State Nodal
Agencies for implementing this scheme in different states. The details of the schemes and the
list of State Nodal Officers are given at www.mofpi.nic.in
The subsidy may also be available under the credit linked subsidy scheme "Integrated
Scheme for Agriculture Marketing (erstwhile Development/Strengthening of Agricultural
Marketing Infrastructure, Grading and Standardisation) of GOI as per the scheme guidelines.
For detailed guidelines, the entrepreneurs may refer to www.agmarknet.nic.in
13.5 Interest rate
The banks are free to charge rate of interest above its base rate within overall RBI guideline
issued from time to time. It generally varies from customer to customer based on credit
appraisal of the borrower. Base rate of a bank is a minimum lending rate below which bank is
not allowed to lend.
However, we have considered an interest rate of 14 per cent for working out the bankability
of the model project.
13.6 Security
As per RBI guidelines, the banks are required to take adequate security for the loans extended
by them. The borrowers should plan projects in such a manner that they have enough fixed
assets to offer as security against bank loan. Various types of securities generally considered
by the Banks are given here:
13.6.1 Primary Security
The land and buildings acquired through the bank loan are mortgaged to financing banks. The
mortgage can be registered or equitable in nature. The plant, machinery and other
miscellaneous fixed assets acquired by bank loan shall have to be hypothecated to the bank.
The value of all these assets is known as primary security for the bank.
13.6.2 Collateral Security
As the value of primary assets, especially buildings and plant and machinery is not enough to
cover the bank loan, the banks insists for mortgage of any other property or asset of the
company or promoters. This is known as collateral security.
18. NABARD Page 15
13.6.3 Hypothecation of Stocks
All stocks, inventories and debtors are hypothecated to financing banks as security against the
bank loan extended by them.
14. REPAYMENT PERIOD AND DSCR
The repayment period has been drawn by considering net surplus available for
repayment.The bank loan with interest is repayable within 8 years with a grace period of one
year. The details are presented in Annexure VIII. The debt service coverage ratio based on
assumed techno economic parameters is estimated to be 1.63 (Annexure IX)
15. DEPRECIATION SCHEDULE
There are two different methods for assessment of depreciation on fixed assets namely
Written Down Value Method (WDV) and Straight Line Method (SLM). These methods are
used invariably to submit the returns to Registrar of Companies & Income Tax Authorities.
We have followed WDV method for computation of depreciation in the present model and
the schedule of depreciation is presented in Annexure VI
16. APPROVALS AND PERMISSIONS
The unit based on its location has to obtain various approvals and permissions from statutory
agencies. An indicative list of approvals and permissions required are as under:
• MMPO registration with Commissioner, Dairy Development, concerned state or
relevant authority under Food Safety and Standards Act.
• NOC from fire services Department.
• Approval of plan by gram panchayat/municipality
• Clearance from Pollution Control Board.
• Registration with District Industries Centre or small industries department.
• License from Factory inspector for installation of boiler
.
19. NABARD
Annexure 1 - Flow Diagram for a milk processing unit of 10000 LPD
Liuid Milk
Homogenisation
Pasteurisation
Packing
Storage
Distribution
Flow Diagram for a milk processing unit of 10000 LPD
Raw Material (Milk)
Dump Tank
Filtration / Clarification
Cooling & Storage
Preheating
Standardisation
Cream
Distribution
Cream
Ghee
Packing
Storage
Distribution
Page 16
Flow Diagram for a milk processing unit of 10000 LPD
20. NABARD Page 17
Annexure II - Project at a glance for 10000 LPD milk processing plant
1 Land requirement 2 acres
2 Milk handling capacity 10000 liters/day
3 Products to be manufactured Toned milk, Cream, Gee
4 Market Domestic
5 Cost of the project Rs. 258.24 lakhs
6 Bank loan Rs. 193.68lakhs
7 Margin money (Down payment) Rs. 64.56 lakhs
8 Financial viability ( at 15% D F )
BC R 1.03 : 1
N P W Rs.133.36 lakhs
I R R 32.46%
9 Repayment 8 years with one year grace
period
21. NABARD Page 18
AnnexureIII – Techno Economic Parameters
Parameter Particulars
Capacity of the unit 10,000 Litres per day
Capacity utilization 70% in first year, 80% during second year,
90% from third year onwards
No of days working 180 days in first year and 365 days from
second year onwards
Average procurement price of milk
(6% fat)
Rs. 30.00 per litre
Average Sale price of products
Toned Milk (3% fat) Rs.34.00 per litre
Cream (40% Fat) Rs.120 per kg
Ghee 290 per kg
Commission and Transportation
charges
Rs.1.5/litre
Power and fuel Rs.0.60/litre
Packing material Rs.0.80/litre
Chemicals & detergents Rs.0.25/litre
Repairs and maintenance 5% of cost of plant and machinery
Insurance 1.6 % of cost of plant and machinery & Civil
structures
Milk distribution cost Rs.1.25 per litre
Commission to Agents on milk
marketed
Rs.1.25 per litre
Advertisement and sales promotion Rs.0.20 per litre of milk
Procurement and Processing losses 0.5% of milk procured
Product mix
Toned milk 100% of milk processed
Cream Obtained from excess fat in the milk
processed
Ghee From the cream obtained
Depreciation 10% for civil structures and 15% for plant
and machinery
Rate of interest 13.5% p.a for working capital and 14% p.a
for term loan
22. NABARD Page 19
AnnexureIV – Income Projections
Particulars Unit I Year II Year III Year
onwards
1. Installed Capacity litres/day 10,000 10,000 10,000
2. Milk Procured litres/day 7,000 8,000 9,000
3. Milk Processed Litres/day 6,997 7,996 8,996
4. Sales Per day
Toned Milk (3% fat) litres/day 6,437 7,356 8,276
Cream (40% fat) litres/day 559.72 639.68 719.64
Saleable cream (40%
fat, 25% of cream )
litres/day 139.93 159.92 179.91
Ghee kg/day 149.93 171.34 192.76
5. Income Per day (Rs/litre or kg)
Toned Milk (3% fat) 34 218850.52 250114.88 281379.24
Cream (40% fat) 120 16791.60 19190.40 21589.20
Ghee 290 43478.25 49689.43 55900.61
6. Total income per day Rs. 279120.37 318994.71 358869.05
7. Income per year (I
year 180 days only)
Rs. 50241666.60 116433068.63 130987202.21
Income per year Rs. Lakh 502.42 1164.33 1309.87
23. NABARD Page 20
Annexure V–Expenditure Projections
(Rs.lakh)
Particulars/Years Years
I II III IV V VI VII VIII
Procurement cost of milk 378.00 876.00 985.50 985.50 985.50 985.50 985.50 985.50
Commission and Transportation
charges 18.90 43.80 49.28 49.28 49.28 49.28 49.28 49.28
Power and fuel 7.56 17.52 19.71 19.71 19.71 19.71 19.71 19.71
Packing material 10.08 23.36 26.28 26.28 26.28 26.28 26.28 26.28
Chemicals & detergents 3.15 7.30 8.21 8.21 8.21 8.21 8.21 8.21
Salaries and wages 23.52 25.92 27.22 28.58 30.01 31.51 33.08 34.74
Repairs and maintenance 6.50 6.50 6.50 6.50 6.50 6.50 6.50 6.50
Insurance 2.78 2.78 2.78 2.78 2.78 2.78 2.78 2.78
Milk distribution cost 15.75 36.50 41.06 41.06 41.06 41.06 41.06 41.06
Commission to Agents on milk
marketed 14.48 33.56 37.76 37.76 37.76 37.76 37.76 37.76
Advertisement and sales
promotion 2.52 5.84 6.57 6.57 6.57 6.57 6.57 6.57
Interest on Working Capital 2.43 5.10 5.73 5.73 5.73 5.73 5.73 5.73
Total Operational Cost for
Milk Plant (180 days in first
year) 485.67 1084.18 1216.59 1217.95 1219.38 1220.88 1222.46 1224.11
25. NABARD Page 22
Annexure VII - Calculation of NPW, BCR & IRR
(Rs. in lakh)
Particulars/Year I II III IV V VI VII VIII IX
A. Costs
1. Capital costs 258.24 0 0 0 0 0 0 0
2. Recurring costs 485.67 1084.18 1216.59 1217.95 1219.38 1220.88 1222.46 1224.11 1225.85
Total Cost 743.91 1084.18 1216.59 1217.95 1219.38 1220.88 1222.46 1224.11 1225.85
B. Benefits
a. Milk Plant 502.42 1164.33 1309.87 1309.87 1309.87 1309.87 1309.87 1309.87 1309.87
b. Depreciated value of
assets 0 0 0 0 0 0 0 0 0.00
Total Benefits 502.42 1164.33 1309.87 1309.87 1309.87 1309.87 1309.87 1309.87 1309.87
Net Benefits -241.49 80.16 93.28 91.92 90.49 88.99 87.41 85.76 84.02
Discount Factor @ 15% 0.87 0.76 0.66 0.57 0.50 0.43 0.38 0.33 0.28
Discounted costs @ 15% 647.20 823.97 802.95 694.23 609.69 524.98 464.53 403.96 343.24
Discounted Benefits @
15% 437.10 884.89 864.52 746.63 654.94 563.24 497.75 432.26 366.76
Discount Rate 15%
Net Present Worth 133.33
Benefit Cost Ratio 1.03
Internal Rate of Return 32.46%
26. NABARD Page 23
Annexure VIII – Repayment Schedule
(Rs. in lakh)
Project Year Bank Loan
outstanding at
the beginning
of the year
Loan
disbursed
during the
year
Total
Bank loan
Surplus Repayment
of
Principal
Payment
of
Interest
Total
Outgo
Net
Surplus
On
Term
Loan
1 0.00 193.68 193.68 30.31 0.00 27.12 27.12 3.19
2 193.68 193.68 71.39 20.00 27.12 47.12 24.28
3 173.68 173.68 78.66 27.00 24.32 51.32 27.34
4 146.68 146.68 75.67 28.00 20.54 48.54 27.14
5 118.68 118.68 72.73 30.00 16.62 46.62 26.12
6 88.68 88.68 69.76 32.00 12.42 44.42 25.35
7 56.68 56.68 66.75 32.00 7.94 39.94 26.81
8 24.68 24.68 64.24 21.86 3.46 25.32 38.92
* For the first year, the surplus includes the interest capitalised in the project cost
27. NABARD Page 24
Annexure IX – Calculation of Financials and DSCR
(Rs. in lakh)
Year I II III IV V VI VII VIII
Gross Surplus 16.75 80.16 93.28 91.92 90.49 88.99 87.41 85.76
Interest on TL 27.12 27.12 24.32 20.54 16.62 12.42 7.94 3.46
Depreciation 28.13 24.12 20.70 17.77 15.27 13.12 11.28 11.28
Profit before tax -38.49 28.92 48.26 53.61 58.61 63.45 68.20 71.02
Income tax 0.00 8.76 14.62 16.24 17.76 19.23 20.66 21.52
Profit after tax -38.49 20.15 33.64 37.37 40.85 44.23 47.53 49.50
Cash accruals* 30.31 71.39 78.66 75.67 72.73 69.76 66.75 64.24
Term loan Repayment
TL O/S at the beginning 193.68 193.68 173.68 146.68 118.68 88.68 56.68 24.68
Term loan Instalment 0.00 20.00 27.00 28.00 30.00 32.00 32.00 21.86
Interest on TL 27.12 27.12 24.32 20.54 16.62 12.42 7.94 3.46
Total Repayment 27.12 47.12 51.32 48.54 46.62 44.42 39.94 25.32
TL O/S at the end 193.68 173.68 146.68 118.68 88.68 56.68 24.68 2.82
DSCR 1.12 1.52 1.53 1.56 1.56 1.57 1.67 2.54
Average DSCR 1.63
* For the first year, the accruals includes the interest capitalised in the project cost
28. NABARD Page 25
Annexure X – Working Capital Calculation
(Rs. in lakh)
Sr.No. Particulars Unit cost
(Rs)
Period days Years
I II III onwards
90%
70% 80%
1 Stock in progress 30 1 2.10 2.40 2.70
2 Packing material 0.8 30 0.06 0.06 0.07
3 Chemicals & detergents 0.25 30 0.02 0.02 0.02
4 Stores, spaces and fuel -- 30 0.04 0.05 0.05
5 Finished goods
Toned Milk 33 1 2.19 2.50 2.81
Saleable Cream 120 10 1.68 1.92 2.16
Saleable Ghee 303 30 13.04 14.91 16.77
6 Receivables 7 19.54 45.28 50.94
Total ( 1 to 6) 38.67 67.14 75.53
Less sundry creditors (days) 7 14.70 16.80 18.90
Total working capital required 23.97 50.34 56.63
Margin money @ 25% of working
capital
25% 5.99 12.58 14.16
Bank Cash credit 75% 17.97 37.75 42.47
29. NABARD Page 26
DISCLAIMER
The views expressed in this model project are advisory in nature. NABARD
assume no financial liability for anyone using this project report for any
purpose. The actual costs and returns will have to be taken on a case by case
basis considering the specific requirements of projects.