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Shri Karanbir Poly-house Project

PROJECT REPORT

OF

SHRI KARANBIR

VILLAGE RUHLA KHERI, TEHSIL JAGADHRI, DISTRICT YAMUNA NAGAR, HARYANA

____________________________________________________________________________________

For setting-up of Poly-House on 8000 Sq Mt of Agriculture Land for growing Rose Flower

Subsidy under NHB Scheme


INTRODUCTION

Karanbir S/o Shri Dalip Singh R/o House No 64, Village Ruhla Kheri, Tehsil Jagadhri, District Yamuna Nagar, Haryana, an agriculturist, is planning to establish a unit of poly house. The unit will be established at Village Ruhla Kheri, Tehsil Jagadhri, District Yamuna Nagar, Haryana. The promoter of the unit is having enough Experience in agriculture and can very well run the poly house professionally. In addition, technical assistance shall be provided by private agency which shall establish the poly house. The promoter has signed Memorandum of Agreement with private agency Viz M/s Punjab Agro Farming for setting up Poly House. It is proposed to set up two poly house structures which will entrench total area measuring 8000 sq meter. In addition other ancillary structure such as water tank, labour quarter & other farm equipment shall be established along with bed preparation & planting material etc. In conventional agronomical practices, the crops are being grown/cultivated in the open field under natural conditions where the crops are more susceptible to sudden changes in climate i,e temperature, humidity, light intensity, photo period & other conditions to which the quality, yield of particular crop can get effected & may be decreased. In India, Traditional farming is prevalent but now new farming technology like poly house farming provides better income in a short period of time with less labor. Poly House farming is an alternative new technique in agriculture gaining foothold in rural India. It reduces dependency on rainfall & makes the optimum use of land & water resources. Poly house farming can held the farmer generate income around the year growing multiple crops. Poly houses are built of a pre-galvanized channel cum tubular structure /tubular structure wherein crops are grown under favorable controlled environment & other conditions viz temperature, humidity, light intensity, ventilation, soil media, disease control, irrigation, fustigation throughout the season irrespective of natural condition outside. The proposed cost of poly house & Net house is found in line with the Model bankable project of NABARD.

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


PROJECT AT A GLANCE A) PARTICULARS OF THE UNIT i) Name of the Applicant : Shri Karanbir S/o Shri Dalip Singh ii) Constitution : Individual

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

District Yamuna Nagar, Haryana iv) PAN No. : BNGPK0611M v) D.O.B : 10.03.1980 B) PARTICULARS OF THE PROJECT: i) Cost & Means of Project

(Rs. in lacs) Cost of Project Total Means of Finance Total

Functional Infrastructure 29.80 Promoter�s Capital 38.25

Complete Drip Irrigation System 9.00 Term Loan 97.00

Pre-op Exp 5.57

Poly House 56.80

Planting Cost for Rose Flower 34.08

Total 135.25 Total 135.25

ii) Term loan Vs margin assessment (Rs. in lacs) S.NO. Cost consider for financing Cost Margin Eligible

Term loan

1 Functional Infrastructure 29.80 25% 22.09

2 Complete Drip Irrigation System 9.00 25% 6.75

3 Pre-op Exp 5.57 100% -

4 Net House 56.80 25% 42.60

5 Planting Cost for Rose Flower 34.08 25% 25.56

Total 135.25 97.00


iii) IMPORTANT FINANCIAL PARAMETERS - Debt Equity Ratio : 2.54:1 - Promoters' Contribution : 28.28%

- D. S. C. R. (Avg.) : 4.91 Status of Approvals Being the agriculture activity going to be commenced upon agriculture land, there is no need for any specific approval from any department. Schedule/Status of Implementation

Levelling and other work will be done upto July 2015. Poly Houses will be installed by the month of August � September 2015. From October 2015 onwards, plantation of crop shall be done and Production will come from January 2016 onwards. The disbursement will be taken as follows:

Particulars Month Disbursement Amount (Rs. In Lacs)

Foundation & Erection, Purchase of Seeds, Land Development, Drip Irrigation System, Soil Replacement

July 2015 53.85

Poly-sheets, Aluminium Sheets, Water Tank, Bed Making, Soil Treatment, Anti Bird Net, Borewell

August 2015

34.90

Cold Store Room, Labour Room, Boundary wall

September 2015

8.25

FINANCIAL INDICATORS

For the year ended 31.03.16 31.03.17 31.03.18 31.03.19 31.03.20 31.03.21 31.03.22

Proj Proj Proj Proj Proj Proj Proj

Particulars Gross Sales 15.56 65.52 68.80 68.80 68.80 68.80 68.80

Net Sales & other Income 15.56 65.52 68.80 68.80 68.80 68.80 68.80

Growth % 321% 5% 0% 0% 0% 0%

Cost of Goods Sold 8.73 35.10 33.75 32.75 32.06 31.65 31.50

Gross Profit 6.83 30.42 35.04 36.05 36.74 37.15 37.30

GP/Net Sales % 43.89% 46.42% 50.94% 52.40% 53.40% 54.00% 54.22%


Selling & Adm. Exp. 0.47 1.97 2.06 2.06 2.06 2.06 2.06

Interest 1.28 4.59 3.78 2.96 2.14 1.33 0.51 Pre-Opp Exp W off 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Operating Profit 5.09 23.86 29.20 31.02 32.53 33.76 34.72

Non operating surp. 0.00 0.00 0.00 0.00 0.00 0.00 0.00

PBT 5.09 23.86 29.20 31.02 32.53 33.76 34.72

Taxes 0.00 0.00 0.00 0.00 0.00 0.00 0.00

PAT 5.09 23.86 29.20 31.02 32.53 33.76 34.72 Profit Distributed 0.76 3.58 4.38 9.31 9.76 10.13 10.42

Retained Profit 4.32 20.28 24.82 21.71 22.77 23.63 24.31

Depreciation 4.24 16.40 14.27 12.42 10.82 9.43 8.23

Cash Generation 8.56 36.68 39.09 34.14 33.59 33.06 32.54 Net Profit/ Net Sales 32.69 36.41 42.45 45.09 47.28 49.07 50.47 COMMENTS ON FINANCIAL INDICATORS

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

Plant Population @ 7 Plant / Sq Mtr (8000 Sq Mt x 7) 56,000

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

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

Produce available for sale 13,10,400

ITEM 2015-16

(3 Months) 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22

Quantity (In No.s)

Rose 3.28 13.10 13.10 13.10 13.10 13.10 13.10

Selling Price (In Rs) per Flower

Rose 4.75 5.00 5.25 5.25 5.25 5.25 5.25

Amount (Rs in Lacs)

Rose 15.56 65.52 68.80 68.80 68.80 68.80 68.80 Total Sales 15.56 65.52 68.80 68.80 68.80 68.80 68.80


PPrrooffiitt:: -- For calculating the economic viability of project, revenue & cost factors have been taken as per prevailing market rates & market trends observed during the previous year. The Promoters are expected to earn profit of Rs. 5.09 Lacs with profitability of 32.69% & 23.86 Lacs with profitability of 36.41% during the financial year 2016 & 2017 respectively. PPrroovviissiioonn ooff PPllaannttiinngg MMaatteerriiaall:: Life of Rose is 60 Months. Hence, a capital cost of Rs. 17.00 Lacs per acre is incurred on planting material every 5th year. In order to provide a true and fair picture of profits, an amount of Rs. 1.70 Lacs during the 1st year and Rs. 6.80 Lacs thereafter is created as provision every year for the same. PARTICULARS Projected Projected Projected Projected Projected Projected Projected 1.FIXED ASSETS 31.03.16 31.03.17 31.03.18 31.03.19 31.03.20 31.03.21 31.03.22

1.1 Gross Block 135.25 135.25 135.25 135.25 135.25 135.25 135.25

1.2 Depreciation 4.24 20.64 34.91 47.33 58.15 67.59 75.82

1.3 Net Block 131.01 114.61 100.34 87.92 77.10 67.67 59.43 2. CURRENT ASSETS

2.1 Cash & Bank Bal. 8.21 45.11 84.42 118.79 123.72 157.03 189.81

2.2 Sundry Debtors 0.21 0.22 0.23 0.23 0.23 0.23 0.23

2.3 Misc. C.A.'s 56.00 56.00 56.00 56.00 56.00 56.00 0.00

2.4 Sub Total (2.1+2.2+2.3) 64.42 101.33 140.65 175.02 179.95 213.26 190.04

2.5 Inventory 0.21 0.22 0.23 0.23 0.23 0.23 0.23

2.6 Sub Total (2.4+2.5) 64.62 101.55 140.88 175.25 180.18 213.49 190.26 3. CURRENT LIABILITIES

3.1 Loans & Advances 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3.2 Sundry Creditors 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3.3 Prov. For Taxes 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Prov. For Dividend 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3.4 Other Current Liability 1.70 8.50 15.30 22.10 0.00 6.80 13.60

3.5 Sub Total (3.1 To 3.4) 1.70 8.50 15.30 22.10 0.00 6.80 13.60

3.6 Bank Borrowing 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3.7 Sub Total (3.5+3.6) 1.70 8.50 15.30 22.10 0.00 6.80 13.60

3.8 Net Current Assets 62.92 93.05 125.58 153.15 180.18 206.69 176.66

4. 1NVTT. & NCA'S 0.00 0.00 0.00 0.00 0.00 0.00 0.00 TOTAL (1.3+3.8+4) 193.94 207.66 225.92 241.07 257.28 274.35 236.10

FINANCED BY

5. LONG TERM LOANS

5.1 Secured 95.36 88.80 82.24 75.68 69.12 62.56 0.00

5.2 Unsecured 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5.3 Sub Total (5.1+5.2) 95.36 88.80 82.24 75.68 69.12 62.56 0.00 6.SHARE HOLDER FUNDS

6.1 Equity Share Capital 38.25 42.58 62.86 87.68 109.39 132.16 155.79

6.2 Share Application money

6.2.1 Subsidy 56.00 56.00 56.00 56.00 56.00 56.00 56.00


6.3 Reserve & Surplus 4.32 20.28 24.82 21.71 22.77 23.63 24.31

6.4 Sub Total(6.1+6.2+6.3) 98.58 118.86 143.68 165.39 188.16 211.79 236.10

6.5 Intangible Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6.6 TNW 98.58 118.86 143.68 165.39 188.16 211.79 236.10 TOTAL (5.3+6.6) 193.94 207.66 225.92 241.07 257.28 274.35 236.10

7. D/E Ratio (5.3/6.6) 0.97 0.75 0.57 0.46 0.37 0.30 0.00

NNeett CCuurrrreenntt AAsssseettss// CCuurrrreenntt RRaattiioo:: -- Liquidity seems to be sufficient for the project. DD//EE RRaattiioo:: -- During the first year, debt/equity ratio is estimated 0.97 which is within the benchmark level of 3. With the repayment of term loan & ploughing back of profit, this ratio is expected to experience the declining trend by which it is estimated to reach at 0.75 during 2nd year. Debt Service Coverage Ratio (DSCR) after considering subsidy of Rs. 56.00 Lacs:

Particulars 2016 2017 2018 2019 2020 2021 2022 Sources Net Retained Profit 5.09 23.86 29.20 31.02 32.53 33.76 34.72 Depreciation 4.24 16.40 14.27 12.42 10.82 9.43 8.23 P&P Written Off 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Net Cash Accrual 9.33 40.26 43.47 43.44 43.35 43.19 42.96 TL Interest 1.28 4.59 3.78 2.96 2.14 1.33 0.51 Total Sources 10.60 44.86 47.25 46.40 45.49 44.52 43.47 Obligations TL Installment 1.64 6.56 6.56 6.56 6.56 6.56 6.56 TL Interest 1.28 4.59 3.78 2.96 2.14 1.33 0.51 Total Uses 2.92 11.15 10.34 9.52 8.70 7.89 7.07 Gross DSCR 3.64 4.02 4.57 4.87 5.23 5.64 6.15 Average GDSCR 4.91 Average Net DSCR 6.49 Average DSCR: 4.91 which is at satisfactory level and shows sufficient cash flow to payback the proposed debt and which is with bank�s bench mark level. Debt Service Coverage Ratio (DSCR) without considering subsidy of Rs. 56.00 Lacs:

Particulars 2016 2017 2018 2019 2020 2021 2021 Sources Net Retained Profit 5.09 23.86 29.20 31.02 32.53 33.76 34.72 Depreciation 4.24 16.40 14.27 12.42 10.82 9.43 8.23 P&P Written Off 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Net Cash Accrual 9.33 40.26 43.47 43.44 43.35 43.19 42.96 TL Interest 5.03 10.87 8.94 7.00 5.07 3.14 1.21 Total Sources 14.36 51.13 52.41 50.45 48.42 46.33 44.16


Obligations TL Installment 3.88 15.52 15.52 15.52 15.52 15.52 15.52 TL Interest 5.03 10.87 8.94 7.00 5.07 3.14 1.21 Total Uses 8.91 26.39 24.46 22.52 20.59 18.66 16.73 Gross DSCR 1.61 1.94 2.14 2.24 2.35 2.48 2.64 Average GDSCR 2.22 Average Net DSCR 2.74

Average DSCR: 2.22 which is at satisfactory level and shows sufficient cash flow to payback the proposed debt and which is with bank�s bench mark level. The DSCR of the project is above the benchmark levels throughout the tenure of term loan. The accruals of the firm are sufficient to meet the debt obligations of the term loans. There is 7 months moratorium period and the repayment of the term loan will start from March 2016. Techno-Economic Viability: Protected cultivation is future because Land and Water � Nature�s gift to mankind is not unlimited and free forever. Everyday population is increasing and due to modernization the infrastructure work is increasing and day to day agricultural land is becoming less and less and at the same time the land value is increasing. Also world water resources are fast diminishing. The one and only answer to this problem is Protected Cultivation. After detailed study of inter-relationship among soil, water, crop, land terrain and related agro climatic conditions, design a suitable and economically viable system to the grower which protects the crop at certain limits and deliver a measured quantity of water at the root zone of each plant at regular intervals. This is to ensure that the plants do not suffer from stress or strain of less and over watering, different climatic conditions. The system installed at the farmer�s field is commissioned and training imparted to the farmer, followed by regular after sales services. The result � A totally customized, efficient and long-life system which ensures better yields through protected cultivation and saving in water as well, early maturity and a bountiful harvest, season after season, year after year. Apart from all this, savings in labour and fertilizer costs. Greenhouse/ Poly house/ Poly tunnel/ Net house which protects the crop from High intensity of light, High rainfall, winds, Insects through Structure, Polyethylene film/ Polycarbonate sheet, Shading nets/ Thermal Nets, Insect Net, Cooling Pad, Exhaust Fan, Foggers and Drip Systems, fertigation equipment etc. which controls light, temperature, humidity and Irrigation with fertigation and other required growth substances directly into the root zone of the plant. Water and nutrients enter the soil from the emitters, moving into the root zone of the plants through the combined forces of gravity and capillary. In this way, the plant�s withdrawal of moisture and nutrients are replenished almost immediately, ensuring that the plant never suffers from water stress, thus enhancing quality, its ability to achieve optimum growth and high yield.


Economic Feasibility a) Name of the major suppliers: M/s Punjab Agro Farming b) Region/Area where the product will be sold: The unit will sell their produce in the market of Haryana, Punjab & Delhi. c) Extent of competition and other units engaged in the similar activity in the region/area: There is no competition. The cut flower like Rose is used in preparation of bouquets, floral arrangements and social occasions. Hence there is huge demand for cut flowers in domestic as well as in international market. d) Volume of orders in hand: There is a great demand of flowers in parts of Haryana, Punjab & Delhi. Hence sale should not be a problem. e) Availability of Raw Materials: Raw Material is locally available. f) Position of labour supply in the area: Labour is easily available. g) Availability of Power: Power is already installed. h) Note on marketing tie up arrangement: The product to be grown by firm has great demand in the surrounding areas. i) Access to the site & transportation: Unit is well connected by road. j) Water Supply: Available ROSE CULTIVATION PROCESS Introduction Depending on the species and varieties, roses have various uses. They may be used as cut flowers, and garden plants. They may also be used in making rose oil, rose water and gulkhand. Model project is on production of roses for use as cut flowers, which have an important place in preparation of bouquets, floral arrangements, worship, social occasions and presentation of gifts. Measured in terms of volume of trade in the international market cut roses rank first in popularity. Further, with the advancement in production and marketing of cut roses and also on account of recent economic liberalisation there has been an upsurge of interest in production of cut roses in plastic green houses in India. Climate Plenty of light, humid and moderate temperature ranging from 150C to 280C may be considered as ideal conditions for roses in the tropical and subtropical climate of India.


At temperature below 150C roses can be grown, but the interval between flushes become longer. At higher temperature, say above 300C, roses can be grown provided high humidity is maintained and evaporation is slowed down. Soil Well drained soil rich in organic matter and oxygen is good for roses. Organic matter as high as 30 per cent in the top 30 cm of the growing beds is preferred by many growers. The pH of the soil should be around 6 to 6.5. Bed Preparation · Top width � 90 cm · Bottom width � 100 cm · Height � 45 cm · Path way � 50 cm Planting Distance � Plant to Plant distance: 17 cm � Row to Row distance: 45 cm Planting Material Rose plant used for plantation should be 2-3 month old and have minimum two dark green colour leaves. Bud union of rose plant should not be covered with soil. It should be 2-3 cm above the ground level. The sprout coming out of the union should face towards the path at the time of plantation. Rose plants are planted in a zigzag method on the bed. Types of Roses and Varieties The major types of roses which are commercially important are as under:

Hybrid Tea Roses: These have large flowers (4 cm.) long stems (125 cm). Yield varies from 100-200 stems/sqm. Hybrid Teas fetch higher price than other types. A few well-known varieties of this group are SONIA, VIVALDI, TINEKE, MELODY, DARLING and ONLY LOVE.

Floribunda Roses : These have small flowers (2.5 cm) and shorter stems (less than 60 cm), but yield much higher than other types. Examples of this type are FRISCO, MERCEDES, JAGUAR, KISS and FLORENCE.

Spray Roses : A single stem of this type may carry 5-6 flowers, but stem yield per sqm is low. Important varieties belonging to the type are EVELIEN, JOY and NIKITA.

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


Cultural Practices For proper growth of rose plant and high production special cultural practices are to be carried out as follows:

Initial plant development / mother shoot bending: If the young plant is allowed to flower immediately after planting there is serious risk that the important structural frame work of the plant will be impaired. The various types of plants require different treatment. First flower is pinched after one month from the date of plantation so that 2 to 3 eyes bud will sprout on main branch to grow as branches and these branches in turn will form buds. When the plant attains this stage of growth, the mother shoot is to be bent towards the direction of path. This cultural operation in rose plants is done to initiate bottom break ground shoot. The maximum leaf area is required to build up a strong root system. The mother shoot is bent nearer to the bud joint.

Plant structure development: To develop more growing points and plant structure development plays an important role. After planting ground shoot will start growing from crown of plant. The weak ground shoots should be bent at ground level, for forming a basic and strong frame work of plant structure for production throughout their life cycle. the strong ground shoots should be cut at 5th five pair of leaves after four and half months from the date of plantation. The medium ground shoots should be cut at 2nd or 3rd five of leaves.

Bending in roses: Bending helps in maintaining enough leaf area on the plants. The maximum leaf area is required to build up a strong root system. Leaves are important for producing carbohydrates. The mass of leaves is also known as the lungs of the plant. The growing suckers should be removed in order to check new growth on the bended stem. The buds should be removed from the bended stem in order to check the incidence of thrips and bud rot (botrytis). Only weak and blind shoots are selected for bending. Bending breaks apical dominance of the plant. It is continuous process and hence carried out throughout the life cycle. Bending should be such that the most of the stems lay below horizontal. In summer season it is generally advised not to go for bending as it provides favourable condition for mite�s incidence. Bending is done on 1st or 2nd five pair of leaves. One can also grow roses in green house without bending by keeping some blind shoots on plants in standing position for extra photosynthesis and uptake of water nutrients. While bending the stems, the care should be taken that the stem will not break and the leaves will not touch the soil on the bed.

Disbudding: Standard varieties are those with one flower on each stem. But as nearly all varieties produce some side buds below the center bud. these side buds have to be removed. The removal of these buds is known as disbudding. It should not be done too early or too late. If done too early it may harm leaves and if done too late then large wounds in the upper leaf axil can take place. When bud attain pea-size and shows slight colour then it is right time to do disbudding. For most spray varieties, the center crown bud is to be removed. Disbudding is generally done on weak stem so that it can convert itself to thick stem and in future cuts can


be taken. Thick stem produce strong sprouts whereas then stem gives out weak sprouts

Pinching: Removal of unwanted vegetative growth from the axil of leaf below the terminal bud is called pinching. This helps to get good quality flowers and buds and avoids wastage of energy in the development of auxiliary bud if done at right stage and right time. It leads to apical dominance.

Wild shoot (root stock) removal: Wild shoots are the unwanted growth that takes place at the union on the root stock. They should be removed at the earliest as these will deplete nutrients and checks growth and development of plant. They should not be cut but removed from its union by pressing it with thumb in order to check its further sprouting.

Support of the plants: The support system consists of bamboo / GI pipes / 'L' angles inserted on both sides of bed at the start and end of the bed. Post are placed at intervals of 3m on both sides of the bed, along the sides of bed, fastened at the posts at 30 cm � 40 cm intervals are 14 gauge GI wires or plastic string to support the plant. Between the wires across the bed, thin strings can be tied to keep the width of the bed constant. Support system makes intercultural operation easy and protects the buds from being damaged by not allowing the stems bend into the path.

Pruning: Stems are cut back leaving 4-5 nodes on the basic stock frame, removing all weak shoots and redirecting the wayward ones. This may be practised in a phased manner so that flowering takes place from September to March. Generally, flowering takes place 45 days after pruning.

Irrigation Rose plant require a lot of water, at least 6mm/day i.e. 60cum/ha/day. A drainage line may be laid below the beds for disposal of excess water. Pest And Diseases The principal diseases of rose are downy mildew, powdery mildew, botrytis, pruning die back & black leaf spot whereas major insect pests of the rose are red spider mite, leaf roller, aphids, thrips & white fly. Control Measures The preventive spray programme with a volume of 1500 litres/spray at an average interval of once in a week is suggested. The pesticide/fungicide may be applied as under: · Dithane M-45 0.6 gm/litre · Metasystox 1.25 ml/litre · Karathane 1.00 ml/litre Harvesting Roses should attain the right stage for harvesting. If cut too early, flowers miss reserve food and therefore, may not develop into full flowers. If cut too late, longevity diminishes. As such, roses should be cut just as the buds are opening, after the sepals


have almost fully curled up and the colour is fully visible. In small flowered varieties and Floribundas, the flowers are cut just when they begin to open the cluster. The cutting may be done in the evening or early morning with long stem. The lower end of cut stems are immediately placed in clean plastic buckets containing a clean solution of 500 ppm citric acid or in chrysal - RVB. Thereafter, the buckets containing cut roses are brought to the grading and packing Shed/Hall. Harvesting Stages S.No. Particulars Place of cutting Month from date

of plantation

1 Ground shoot cutting

At 5th five pair of leaves from bottom of plant

3 to 3.5

2 First harvesting 2nd or 3rd five pair of leaves from first cut

4.5 to 5

3 Second / Regular harvesting

2nd or 3rd five pair of leaves from first cut

6th month onwards daily harvesting

The rose should be cut with the help of sharp cut and hold secateurs. Ground shoot cutting should be done on 5th five pair of leaf then one or two eye buds sprout from lower leaves below the cut. These sprouts will grow into flowers in the period of 35 to 50 days. This varies from variety to variety. Later on the first harvest should be taken on 2nd or 3rd five pair of the leaves above the first cut. During summer season or when there is less leaf area on plant it is always advisable to take cut on 3rd five pair of leaves above the first cut. Always bend thin stems and take cut on 3rd five pair of leaves above the first cut. Always bend thin stems and take cut on thick stems to get strong shoots. The regular harvesting is done on 2nd five pair of leaves. Sometimes under cutting is also practiced as it is an important technique to keep rose plants at reasonable height. Harvesting cut should be sharp and inclined direction for avoiding the deposition of water or spray solution. When the temperature is low in the green house harvesting is done only once i.e. during early morning hours. When there is high day temperature it is necessary to take second harvesting in later afternoon. Cut stages of roses play an important role in harvesting. Cut stages of roses for export is stage 0 and 1 whereas cut stage is 2 and 3 for domestic market. Yield Average yield of roses is 30 to 35 stem/ plant per year. Grading Flowers should be graded into different classes according to their qualities. Grading is done on a mechanical grader or by hand grading tables or work stations. Packaging Packing comprises three steps: bunching, wrapping and packing. The heads of roses are evened up and their stem tied with a rubber band into bunches in 10s, 20s, 25s, or 50s


depending on the ultimate market. They are cut so that all the stems are of the same length. The bunches are placed in preservative solution and may be shifted to the cold store. They are brought back to the packing hall and the buds are wrapped and bunches are sleeved in transport polyethylene. The wrap is a 15-20 cm. wide plastic strip which acts as a cushion for the buds. Many different cardboard boxes are used for packing. For long term transport it is best to use telescopic style boxes made of corrugated fibreboard. The size could be 100 cm x 45 cm x 22 cm. There may be 400 to 1000 stems per box and weight may vary from 14 to 18 kg/box. Depending on the market, the box is either filled with one variety, one grade, or mixed colour one grade. Size of land: Cultivation of Rose Flower is spread in the area measuring 8000 Sq. Mtrs. The Repayment Schedule of the Term Loan is as given under:- Repayment after considering subsidy of Rs. 56.00 Lacs: In 25 quarterly principal installments of Rs. 1,64,000/- each after moratorium period of 7 months from 1st disbursement. Monthly interest on term loan during the construction & moratorium period of the project will be served out separately by the proponent as it is not taken in the project cost.

(Rs in Lacs) Period Quarters Amount Amount January 2016 � March 2016 1 1.64 1.64 April 2016 � March 2017 4 1.64 6.56 April 2017 � March 2018 4 1.64 6.56 April 2018 � March 2019 4 1.64 6.56 April 2019 to March 2020 4 1.64 6.56 April 2020 � March 2021 4 1.64 6.56 April 2021 � March 2022 4 1.64 6.56 Total 25 Quarters 41.00

Repayment without considering subsidy of Rs. 56.00 Lacs: In 25 quarterly principal installments of Rs. 3,88,000/- each after moratorium period of 7 months from 1st disbursement. Monthly interest on term loan during the construction & moratorium period of the project will be served out separately by the proponent as it is not taken in the project cost.

(Rs in Lacs) Period Quarters Amount Amount January 2016 � March 2016 1 3.88 3.88 April 2016 � March 2017 4 3.88 15.52 April 2017 � March 2018 4 3.88 15.52 April 2018 � March 2019 4 3.88 15.52 April 2019 to March 2020 4 3.88 15.52 April 2020 � March 2021 4 3.88 15.52 April 2021 � March 2022 4 3.88 15.52 Total 25 Quarters 97.00


Moratorium period is up to February 2016. Interest will be served during the moratorium period & thereafter as and when due. The bank will receive back-end subsidy of Rs. 56.00 Lacs by December 2015. Security

Particulars Date of

Valuation Value in

Rs. in lacs

Primary 1. Hypothecation of poly and net house, plant & machinery and other movable assets created out of bank finance along with all kinds of stocks i.e. raw materials/consumables, crops including semi finished crops.

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

31.03.2016 (Proposed)

Approx. Market Value

131.01

260.00

Annexure - I

(Rs. in Lacs)

A. COST OF PROJECT

1 Land -

2 Functional Infrastructure 29.80

3 Complete Automatic Drip Irrigation System 9.00

Including Fogger and pipes

(Rs. 112.50/sqm x 8000 Sq Mt)

4 Poly House 56.80

Shade Net House with Aluminium Sheet

(All Weather Green-House)

(Rs. 710/sqm x 8000 Sq Mt)

5 Preliminary/Pre-Operative Exp. 5.57

6 Planting Cost for Rose Flowers 34.08

(Rs. 426/sqm x 8000 Sq Mt)

TOTAL 135.25

B. MEANS OF FINANCE

1 Promoter's Capital 38.25

2 Term Loan 97.00

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

TOTAL 135.25

C. PROMOTERS' CONTRIBUTION %( OVERALL) 28.28%

PROMOTERS' CONTRIBUTION %( TERM Loan) 25.20%

D. DEBT EQUITY RATIO

Debt Capital

1. Term Loan 97.00 1. Capital 38.25

2.U L -

97.00 38.25

D E R = 2.54 : 1

SR. NO. PARTICULARS TOTAL

AMOUNT

KARANBIR S/O SHRI DALIP SINGH

COST OF PROJECT & MEANS OF FINANCING

Annexure-II

(Rs in Lacs)

1 Cold Store Room 4.00

2 Labour Quarter 3.00

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

4 Boundary Wall 4.00

5 Anti Bird Net 2.80

6 Soil Replacement 4.00

7 Borewell 4.00

8 Land Development 2.00

TOTAL 29.80

Annexure - III

(Rs in Lacs)

Sr. No. PARTICULARS Amount

1 Loan Processing 0.45

2 Misc Exp. 0.20

3 Interest during Construction 4.92

TOTAL 5.57

SR. NO.

PARTICULARS TOTAL AMOUNT

DETAILS OF FUNCTIONAL INFRASTRUCTURE



DETAILS OF PRELIMINARY & PRE-OPERATIVE EXPENSES

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

1 Gross Sales

i Sale of Rose Flower 15.56 65.52 68.80 68.80 68.80 68.80 68.80

Total Sales 15.56 65.52 68.80 68.80 68.80 68.80 68.80

2 Cost Of Productioni) Provision for Planting Material 1.70 6.80 6.80 6.80 6.80 6.80 6.80

ii) Other Charges 0.25 1.05 1.10 1.16 1.22 1.28 1.34 iii) Wages 0.87 3.83 4.21 4.63 5.10 5.60 6.17

iv) Power & Fuel 0.15 0.63 0.66 0.69 0.73 0.77 0.80 v) Fertilizers, Medicines, Plants 0.23 0.95 0.99 1.04 1.09 1.15 1.21 vi) Repair & Maintenance 0.15 0.63 0.66 0.69 0.73 0.77 0.80

vii) Packaging & Transport 1.15 4.82 5.06 5.31 5.57 5.85 6.15

viii) Depreciation 4.24 16.40 14.27 12.42 10.82 9.43 8.23 Total Cost of Production 8.73 35.10 33.75 32.75 32.06 31.65 31.50

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

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

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

6 Interest

Term Loan 1.28 4.59 3.78 2.96 2.14 1.33 0.51

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

7 Operating Profit 5.09 23.86 29.20 31.02 32.53 33.76 34.72

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

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

9 Net Profit before Tax 5.09 23.86 29.20 31.02 32.53 33.76 34.72

10 Income Tax - - - - - - -

11 Net Profit 5.09 23.86 29.20 31.02 32.53 33.76 34.72

12 Withdrawal Rate 15% 15% 15% 30% 30% 30% 30%13 WithdrawalAmount 0.76 3.58 4.38 9.31 9.76 10.13 10.42

14 Retained Profit 4.32 20.28 24.82 21.71 22.77 23.63 24.31 15 Cash Accruals 9.33 40.26 43.47 43.44 43.35 43.19 42.96

Annexure - A


COST OF PRODUCTION & PROFITABILITY ESTIMATES

(Rs in Lacs)

Annexure - B


ASSUMPTIONS UNDERLYING THE ESTIMATES

OF COST OF PRODUCTION & PROFITABILITY

i) Annual Production Capacity

Rose 14,56,000 Nos per Annum

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

iii) Green House AreaRose 8,000 Sq Mtr

iv) Rate of Interest

Term Loan 12.45%Working Capital 0.00%

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

v) Depreciation as per Income Tax Act 1961

a) Planting Cost for Rose Flower 10.00%b) Net House & Drip System 15.00%

c) Functional Infrastructure 10.00%

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

Annexure - B (1)

(Rs in Lacs)

Rate of Depreciation % 10.00% 15.00% 10.00%

Cost 34.08 65.80 29.80 129.68

Preliminary Pre-Operative Capitalized 1.46 2.83 1.28 5.57

Gross Block 35.54 68.63 31.08 135.25

Depreciation (2015-16) 0.89 2.57 0.78 4.24W.D.V & Additions (2015-16) 34.66 66.05 30.30 131.01

Depreciation (2016-17) 3.47 9.91 3.03 16.40

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

Depreciation (2017-18) 3.12 8.42 2.73 14.27

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

Depreciation (2018-19) 2.81 7.16 2.45 12.42

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

Depreciation (2019-20) 2.53 6.08 2.21 10.82

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

Depreciation (2020-21) 2.27 5.17 1.99 9.43

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

Depreciation (2021-22) 2.05 4.40 1.79 8.23

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

Planting Cost for Rose Flower

Net House & Drip System

Functional Infrastructure


SCHEDULE OF DEPRECIATION AS PER INCOME TAX ACT

Total PARTICULARS

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

(3 Months) (12 Months) (12 Months) (12 Months) (12 Months) (12 Months) (12 Months)

Quantity (In No.s)

Rose 3.28 13.10 13.10 13.10 13.10 13.10 13.10

Selling Price (In Rs) per Flower

Rose 4.75 5.00 5.25 5.25 5.25 5.25 5.25

Amount (Rs in Lacs)

Rose 15.56 65.52 68.80 68.80 68.80 68.80 68.80

Total Sales 15.56 65.52 68.80 68.80 68.80 68.80 68.80

DETAILS OF PRODUCTION QUANTITY

Plant Population @ 7 Plant / Sq Mtr 56,000 (8000 Sq Mt x 7)

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

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

Produce available for sale 13,10,400

Annexure - B (2)

( Rs. In Lakhs)


DETAILS OF SALES PROCEEDS


A SOURCES OF FUNDS 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22

1 Net profit before tax with long-term 6.36 28.45 32.98 33.98 34.67 35.08 35.23

interest added back but after

depreciation

2 Increase in Capital 38.25 - - - - - -

3 Depreciation 4.24 16.40 14.27 12.42 10.82 9.43 8.23

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

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

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

Total 203.56 51.66 54.05 53.20 52.29 51.32 (5.73)

B DISPOSITION OF FUNDS

1 Preliminary & Pre-Operative Expenses 5.57 - - - - - -

2 Capital Expenditure 129.68 - - - - - -

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

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

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

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

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

8 Withdrawal 0.76 3.58 4.38 9.31 9.76 10.13 10.42

Total 195.35 14.75 14.74 18.83 47.36 18.01 (38.51)

C OPENING BALANCE - 8.21 45.11 84.42 118.79 123.72 157.03

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

E CLOSING BALANCE 8.21 45.11 84.42 118.79 123.72 157.03 189.81

Annexure - C


CASH FLOWS STATEMENT

(Rs in Lacs)

Annexure G

(Rs in Lacs)

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

Promoter's capital 38.25 42.58 62.86 87.68 109.39 132.16 155.79

Reserve & Surplus 4.32 20.28 24.82 21.71 22.77 23.63 24.31

Term Loan 95.36 88.80 82.24 75.68 69.12 62.56 -

Provision For Planting Material 1.70 8.50 15.30 22.10 - 6.80 13.60

Capital Subsidy 56.00 56.00 56.00 56.00 56.00 56.00 56.00

TOTAL 195.64 216.16 241.22 263.17 257.28 281.15 249.70

ASSETS

Fixed Assets

Gross Block 135.25 135.25 135.25 135.25 135.25 135.25 135.25

Depreciation 4.24 20.64 34.91 47.33 58.15 67.59 75.82

Net Block 131.01 114.61 100.34 87.92 77.10 67.67 59.43

Inventory 0.21 0.22 0.23 0.23 0.23 0.23 0.23

Sundry Debtors 0.21 0.22 0.23 0.23 0.23 0.23 0.23

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

Cash & Bank Balances 8.21 45.11 84.42 118.79 123.72 157.03 189.81

TOTAL 195.64 216.16 241.22 263.17 257.28 281.15 249.70

PROJECTED BALANCE SHEETS

As on March 31st


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

1 Net Retained Profit 5.09 23.86 29.20 31.02 32.53 33.76 34.72

2 Depreciation 4.24 16.40 14.27 12.42 10.82 9.43 8.23

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

Total 10.60 44.86 47.25 46.40 45.49 44.52 43.47 282.59

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


Total Debt 2.92 11.15 10.34 9.52 8.70 7.89 7.07 57.59

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

Average D.S.C.R. 4.91

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

1 Net Retained Profit 5.09 23.86 29.20 31.02 32.53 33.76 34.72

2 Depreciation 4.24 16.40 14.27 12.42 10.82 9.43 8.23


Total 14.36 51.13 52.41 50.45 48.42 46.33 44.16 307.26

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


Total Debt 8.91 26.39 24.46 22.52 20.59 18.66 16.73 138.26

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

Average D.S.C.R. 2.22


(Rs. in Lacs)

Annexure - E

DEBT SERVICE COVERAGE RATIO WITH SUBSIDY


DEBT SERVICE COVERAGE RATIO WITHOUT SUBSIDY

(Rs. in Lacs)

TERM LOAN WITH SUBSIDY (Rs in Lacs)

TERM LOAN 97.00INTEREST RATE PER ANNUM 12.45%MORATORIUM 7 MonthsINSTALLMENTS 25

YEAR MONTHTERM LOAN

OUTSTANDING INSTALMENT INTEREST2015-16 APRIL - - -

MAY - - - JUNE - - - JULY 53.85 - 0.56 AUG 88.75 - 0.92 SEP 97.00 - 1.01 OCT 97.00 - 1.01 NOV 97.00 - 1.01 DEC 41.00 - 0.43 JAN 41.00 - 0.43 FEB 41.00 - 0.43

MARCH 41.00 1.64 0.43 1.64 1.28

2016-17 APRIL 39.36 - 0.41 MAY 39.36 - 0.41 JUNE 39.36 1.64 0.41 JULY 37.72 - 0.39 AUG 37.72 - 0.39 SEP 37.72 1.64 0.39 OCT 36.08 - 0.37 NOV 36.08 - 0.37 DEC 36.08 1.64 0.37 JAN 34.44 - 0.36 FEB 34.44 - 0.36

MARCH 34.44 1.64 0.36 6.56 4.59


MARCH 27.88 1.64 0.29 6.56 3.78


MARCH 21.32 1.64 0.22 6.56 2.96


MARCH 14.76 1.64 0.15 6.56 2.14


MARCH 8.20 1.64 0.09 6.56 1.33


MARCH 1.64 1.64 0.02 6.56 0.51

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

Principal 1.64 6.56 6.56 6.56 6.56 6.56 6.56 41.00Interest 1.28 4.59 3.78 2.96 2.14 1.33 0.51 16.59

Months 9 12 12 12 12 12 12 81Installments 1 4 4 4 4 4 4 25

TERM LOAN WITHOUT SUBSIDY (Rs in Lacs)

TERM LOAN 97.00INTEREST RATE PER ANNUM 12.45%MORATORIUM 7 MonthsINSTALLMENTS 25

YEAR MONTHTERM LOAN

OUTSTANDING INSTALMENT INTEREST2015-16 APRIL - - -

MAY - - - JUNE - - - JULY 53.85 - 0.56 AUG 88.75 - 0.92 SEP 97.00 - 1.01 OCT 97.00 - 1.01 NOV 97.00 - 1.01 DEC 97.00 - 1.01 JAN 97.00 - 1.01 FEB 97.00 - 1.01

MARCH 97.00 3.88 1.01 3.88 5.03


MARCH 81.48 3.88 0.85 15.52 10.87


MARCH 65.96 3.88 0.68 15.52 8.94


MARCH 50.44 3.88 0.52 15.52 7.00


MARCH 34.92 3.88 0.36 15.52 5.07


MARCH 19.40 3.88 0.20 15.52 3.14


MARCH 3.88 3.88 0.04 15.52 1.21

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

Principal 3.88 15.52 15.52 15.52 15.52 15.52 15.52 97.00Interest 5.03 10.87 8.94 7.00 5.07 3.14 1.21 41.26

Months 9 12 12 12 12 12 12 81Installments 1 4 4 4 4 4 4 25

74

National Horticulture Board

APPENDIX- 1

COST NORMS AND PATTERN OF ASSISTANCE UDNER MIDH FOR NATIONAL HORTICULTURE BOARD RELATED ACTIVITIES DURING XII PLAN

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

A. Development of Commercial Horticulture ##

A. 1 Commercial Horticulture Development in open field conditions, includingcomponents viz planting material, plantation, irrigation, fertigation, precision farming, GAP etc.

Rs. 75.00 lakh /per project (Rs 125.00 lakh for date palm, olive and saffron) for projectscovering area over 2 ha.

Credit linked back ended subsidy @ 40% of project cost limited to Rs.30.00 lakh per project in general area and @ 50% of project cost limited to Rs. 37.50 lakh for NE and Hilly and scheduled areas.

Component-wise/crop-wise cost norms are given at Appendix - 1. Add on component given in appendix-1-A may be added in project mode within over all cost ceiling

A. 2 Commercial Horticulture Development in protected cover.

Rs 112.00 lakh per project covering area above 2500 Sq.mt.

Credit linked back-ended subsidy @ 50% of cost limited to Rs.56.00 lakh per project.

Protected cultivation 1. Green House structure (a) Fan & Pad system Rs.1400/Sq.mandRs.1610/

Sq.mforhillyareas50%ofcostforabove2500Sq.m

(b) Naturally ventilated systemi) Tubular structure Rs. 844/Sq.m andRs.970/Sq.

m for hilly areas.50%ofcostforabove2500Sq.m

ii) Wooden structure Rs.540/Sq.mandRs.621/Sq.m for hilly areas

50%ofcostforabove2500Sq.m

iii) Bamboo structure Rs.450/Sq.mandRs.518/Sq.m for hilly areas


2. Shade Net House(a) Tubular structure Rs.710/SqmandRs.

816/Sqmforhillyareas50%ofcostforabove2500Sq.m

(b) Wooden structure Rs.492/SqmandRs.566/Sqmforhillyareas


(c) Bamboo structure Rs.360/Sqm and Rs.414/Sqmfor hilly areas


3.Plastic Tunnel Rs.60/Sq.m and Rs.75/sq. mfor hilly area


4 Walk in Tunnel Rs.600/Sq.m 50%ofcostforabove2500Sq.m5 Anti Bird/Anti Hail Nets Rs.35/Sq.m 50%ofcostforabove2500Sq.m

75

Operational Guidelines

6 Cost of Planting Material and cultivation of High Value vegetables grown in Poly House/Shade net House

Rs.140/Sq.m 50%ofcostforabove2500Sq.m

7 Cost of Planting Material and cultivation of Orchid and Anthurium grown in Poly House/Shade net House


8 Cost of Planting Material and cultivation of Carnation & Gerbera grown in Poly House/Shade net House


9 Cost of Planting Material and cultivation of Rose & Lilium grown in Poly House/Shade net House


10 Plastic Mulching Rs.32000/Ha and Rs.36800/Ha for Hilly Areas


A. 3 Integrated Post Harvest Management Projects e.g. Pack House, Ripening Chamber, Refer Van, Retail Outlets, Pre-cooling units, Primary Processing etc.

Rs. 145.00 lakh per project. The add-on components of pre-cooling, pack house, grading, packing, cold room can be taken up as individual components.

Credit linked back ended subsidy @ 35% of cost limited to Rs.50.75 lakh per project in general areas and @ 50% of project cost limited to Rs. 72.50 lakh per project in NE, Hilly and scheduled Areas, ensuring backward and forward linkage.

Component wise cost norms of Integrated Post Harvest Management 1 Pack house Rs. 4.00 lakh/unit with size of

9Mx6M50% of the capital cost.

2 Integrated pack house with facilities for conveyer belt, sorting, grading units, washing, drying and weighing.

Rs. 50.00 lakh per unit with size of 9Mx18M

Credit linked back-ended subsidy @ 35% of the cost of project in general areas and 50% of cost in case Hilly & Scheduled areas for individual entrepreneurs.

3 Pre-cooling unit Rs. 25.00 lakh / unit with capacity of 6 MT.

Credit linked back-ended subsidy @ 35% of the cost of project in general areas and 50% of cost in case Hilly & Scheduled areas for individual entrepreneurs.

4 Cold room (staging) Rs. 15.00 lakh/ unit of 30 MT capacity

Credit linked back-ended subsidy @ 35% of the cost of project in general areas and 50% of cost in case Hilly & Scheduled areas

5 Mobile pre- cooling unit Rs. 25.00 lakh Credit linked back-ended subsidy @ 35% of the cost of project in general areas and 50% of cost in case Hilly & Scheduled areas

6 Ripening Chamber Rs. 1.00 lakh/MT (11 CuM of chamber volume shall be equivalent of 1MT of storagecapacity)

Credit linked back-ended subsidy @ 35% of the cost of project in general areas and 50% of cost in case Hilly & Scheduled areas

M' F'lirnalava Rgt?o FarmPo!ftlf"f"ir*. n9use, sre€n house polv

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:ltjii' ;iffi;il;@Jia'com'himaravaasrorarn@smair'comWebsite: wws''himalayaagrofarm'com --

tnvoice.No. 1 4g o"t"' ofloft[|

or<ter lrti. Dated :

wrls. ftarr-t',rbir r,Vitl'R.^hL Vhe'i Tehtil' rryrtr

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

iffi$';*,f$gli'*,*i:gllt';l,m'*aya Agro Farm

pAuth. SignatorY

PART IG U LARS

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1OO % ADVANCE PAYMENT

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tilii;fiin-r'fiiqn, ryttt !.!ggg16#fr;#;ioi;gniu tronc&rflgro twreu

Pard$h, Toh. & Dbtt. Panchkula (Ht'l

[email protected]

Address : vill. Badi Sher' Adjoining

Phone: +91-9513000006,

l\\.lry'.^Jhilt"ugrv.c-

M/s. k6q*lrlt

Vill. RuhlEkhe'i,Dta+f.)o, tv.r

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K Brnk Lld.

For Punlab Agm Farming

Ar{h.SignatorY

VISHVIGRIVIABUITDERS & CONTRACTORS

To

Karanbir

Village Ruhla Kheri'

Distt. Yamuna

Haryana

ehsil Jagadhri

GOST ESTIMATE AND OUOTATIONS

1) Labour Quatars= 15x15=225x2

Area = 450 Sqf

Rs.667 Sqf

667= Rs. 3'00'150/-

2) Glod Store= '16x25= 400x1

Area = 400 Sqf

Rs. 1060 Sqf

1000 = Rs' 4,00,0001-

3) Boundary and Gate and Polls

Polls Q 440

Polls Rate (Per Polls)

440 x 450 = 1,98,000t-

Deols in: Consiruction of commerciol ond Building including Inlerior finishing work thol is flooring,P.O.P. & Aluminum & Wood work & oll Civil works efc.

Shop No. 1, # 273/1, Mohotlo. Dero Bossi, Distt. S.A.S. Nogor, Moholi, Puniob-I40507Ph: +91-991 +91 -9 t668406&, E-moil : [email protected]

VISHVIGRIVIABUITDERS & CONTRACTORS

Boundary F Wire

Gl Wire rate Per @ Rs.62l -

Total weight of

2700x 62 = Rs.

Boundary Wall

Wire 2700 kg

35000/-

Total Cost

4) Borewell

nd /off= Rs.400,400/-

(1 )

Gost Around /ofF 4'00'000/-

5) Soi lCost Around /ofF 4,00,0001

6) LandCost Around /off= 2,00'0001

7) Water Pound Black plastic Sheet 500 Mic.

500,000 Ltrs

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

Total Rs.2700,5501

Deols in: Construdion of commerciol ond Building including Interior finishing worklhot is flooring,P.O.P. & Aluminum & Wood work & oll Civil works elc.

Shoo No. 1, # 274\, Mohollo, Dero Bossi, Distt S.A'S. Nogor, Moholl Puniob-140507Ph: +91-991 +91 -9466840660, E-moil : [email protected]

VISHVIGRIVIA& CONTRACTORS

BANK DETAILS FOLLOW:-

A/C NAME: BUILDERS & CONTRACTORS

L/C NO. :752 1000040

vtJ80007527IFSC/RTGS

BNAK NAME: A BANK, DERA BASSI, PUNJAB , DISTT' S'A'S' NAGAR

MOHALI, PUNJAB

CHEQUE OR DD

CONTRACTORS'

BE MADE IN FAVOUR OF'VISHVKARMA BUILDERS &

AYABLE AT DERA BASSI

Builders & Contr.

VISHVKARMA

Direci '

& CONTRACTORS

Deols in: Conslrudion of l, commerciol ond Building including Inlerior finishing work lhol is flooring,Poi P.O.P. & Aluminum & Wood work & oll Civil works elc'

Shop No. 1, # 27U1, m Mohollo, Dero Bossi, Distf. S.A.S. Nogor, Moholi, Puniob-120507+91 -9t6840660, E-moil : [email protected]: +91-991

PUNJABAGRO TARMING

A6REEMENT

The deed agreement executed on this day 07 July 2015 at Panchkula' Haryana

;;;; i4;." lGranbir Vill. Ruhla Kheri iehsil Jagadhri Distt' Yamuna Nagar'

li;;;" iH"r"in called ..Farmer") which expression shall be deemed to include

his/her heirs, executors and administrator'

And

PUNJAB AGRO FARMING' A firm Selected by farmer for installation of Shade

Net House with Aluminum Net with Aluminum Net (6reen House )and to

pRovlDE AFTER SALE SERVICES , having its Site office at village. Raliwati' Distt'

;;il, C Regd. office s.o' ii ttt Flooi' Sector l2 Panchkula Haryana' lndia

which expression shall be deemed to include its successors and assigns on the third

part (Represented by Jagmal Singh Rana)

Farmer therefore approached PUNJAB AGRO FARMINC For the installation of

naturally ventilated Sfraae' Net House with Aluminum Net (Green House)having

measured are of approx' 'S0-OO

SOlMf at their site in Vill' Ruhla Kheri Tehsil

Jagadhri Distt. Yamuna Nagar' Haryana

PUNJAB AGRO FARMING' Has agreed to. organize installation of above

mentioned Shade Net ff""rl'*itf,"efr?"inum Net (Lreen House) at farmer's field

on the following terms uJ tonaition ' obligations ' Responsibilities of each party

are as under :

Pre installation activities :-

1. PUNJAB AGRO FARMING will be conduct site survey at farmer's land

where the Snuat Nti House with Aluminum Net (Green House)is to be

erected' PUNJAB'oZno ionrtniNc' *iil also prepare design and make

const estimates'

2. Farmer also hereby gives the work order to. complete his Shade Net House

with Aluminu-

"i"?"ia;"Houi"l'

This is being dulv accepted bv

PUNJAB A6RO FARMING

PUNJAB AGRO FARMING I.

Site : Village Raiwali, Teh. Narayangarh. Distt. Ambala {HR)Regd. Office : SCO 75, First Floor, Sector 12, Panchkula

[email protected], [email protected], www puniabagrofarming com+91-9513000006, +91-95S2655655, +91 -9532555655

PUNJABAGRO TARMTHG

3. Farmer is her$y agreed to undertake land work atadvice of PUNJAB ACRO FARMINC and hand overACRO FARMING. for installation of structure'

cost as perto PUNJAB

4. Farmer is also agreed to provide facilities like electricity and water

required duri installation of structure free of cost'

his ownthe site

5. PUNJAB Acomplete iover of clear e and disbursal of bank loan'

6. Farmerfor storingfarmer.

Terms oflO0 o/o Payment.PaymentCountry of

O FARMING shall undertake installation activities and

llation work in a maximum period of 90 day of handling

to provide safe storage place to PUNJAB AGRO FARMIN6

ou, .otpon"nts/instrumenti subject to watch and ward of

Delivery Details :Delivery 7 to

Other

Farmer isinstallation

thehasl .

: I N R& Supply : lsrael

O days from confirmation order and advance payment'

of the farmer

:ed to settle (pay or receive ) the account .'after,i*.,ur" on the field and PUNJAB AGRO FARMING

agreed to col ect /pay the difference amount'

2. PUNJABlikeissued bYsuch changestructure bY

3 . PUNJAB

PUNJAB AGRO FARMINGSite : Village Raiwali, Teh. Narayangarh, Distt. Ambala (HRl

Reod. ffice : SCO 75, First Floor, Sector 12, Panchkulapunjabagrofu [email protected], www.puniabagro{arming com

O FARMING will not be responsible for any consequences

ent contribute entitlement variation due to amendments

;;;.;;i . reduction in yield, crop damage etc' arising out of

i -oJiri.ution / removal / disposal / sale/ damage of the

equipment/

+91 -9513000000. +91-9592655655. +91 -9592555655

PUNJABAGRO FARMING

4. The farmer has ensure the safety of the material from the date of thesupplied mat I coming in to the possession of the farmer. PUNJABA6RO FARM G shall not be responsible for any loess and /or damage

and the farmer has to insure the cost involved induring hisreplacing

Other terms :

1 . The farmalso impainput in

/ lost material.

ty doesn't depend on the use of structure alone. lt is

by other factors such as planting material, application of

of quantity and schedule' incidence of diseases ' the soil

quality andPUNJAB Atechnical

ther conditions etc. Hence the scope of responsibility of

O FARMING is limited to the installation of structure,nce and interaction with the farmer.

2. PUNJABdamages /

PUNJAB A O FARMINC will guide the farmer after completion of

structure a details of operation, activities, maintenance for successful

performance.

O FARMING is not responsible for any consequential

lities beyond the control the PUNJAB ACRO FARMINC

4. The farmerinflate,and try to e differences and disputes if any amicably'

5. lf at anywhole or inb e penemy , clvlquarantineas event)event isoccurrenceto terminatehis contract noi shall either party have any claim for damages

er in respect of such non-performance or delay in

PUNJAB AGRO FARMINGSite :Village Raiwali, Teh. Narayangarh, Distt. Ambala {HB)

Begd.0ffice:SCO 75, First Floor, Sector 12,ltnchkulapunjabagrofu [email protected], www.puniabagrotarming.com

ould not create any unpleasant situation and should not

te or over estimate inconveniences or damages or loss' if any

during the continuance of this contract' the performance in

rrt by-either party of any obligation under this contract shall

or delayed by reason of any war , hostility, act of the public

commotion , sabotage , fires , flood, explosion' epidemics'

ion , strikes, lick -out or actt of God (herein refereed to

provided written notice of the happening of any.such

ty either party to the other with 60 days from the date of

:etf , neither party shall by reason of such event by entitled

against the

+91-951 3000006, +91 -9592655655, +91 -9592555655

PUNJAB

performance

AGRO FARMING

and deliveries/ services under this contract shall be resumeda5 500n a5 e after such event has come to end or ceased to exist.

6. Any suit or ng to enforces the rights of either party this agreementshal l be i ed and tried only by a court in the city of Distt. Panchkulaand by no courtr, and parties hereto expressly agree to submit to

of courts in Distt. Panchkula.exclusive j

7. The contentsthe farmerthis

5ignatures

(Farmer)

f this agreement have been explained fully to the Famer andsigned this agreement fully understanding the contents of

Farming)

Ii

i*--- :

PUNJAB AGRO FARMINGSite : Village Raiwali, Teh. Narayangarh, Distt. Ambala (HB)

Hegd. ffice : SCO 75, First Floor, Sector 12, Panchkulapunjabagrofarming@ gmail.com, www.puniabagroiarming.com

+91-9513000006. +91-9592655655. +91-9592555655

PUNJABAGRO TARMING

TRRIGATION WATER TEST REPORT OF Ml'.I{IANB|R vlLL' RUHLA

KHERI TEHSIL JAGADHRI OISTT.VNT',TUUA NAGAR, HARYANA

SUITABLETOR ALL cRoPsSAFE FOR ALL CROPS.ECw

(dS/m)TDS

ilurrnelE FoRALL cRoPSSodium (Na) iilvenY sAFE LIMIr

ilurrneLE FoR ALL cRoPS

r& wnren TESTING oFFIcERS

PUNJAB AGRO FARMINGSite : Village Raiwali, Teh. Narayangarh, Distt. Ambah {HR)

Begd. 0ffice : SCO 75, First Floor, Sector 12, hnchblapuniabagrofu [email protected], www.punlabagrofu rming.com

+91-9513000006, +91-9592655655, +91-9592555655

PUNJABAGROFARMING

SOIL TEST RT OF OF OF OF MR, KARANBIR VILL. RUHLA KHERITEHSIL RI DISTT. YAMUNA NAGAR, HARYANA

PUNJAB AGRO FABMINGSite : Village Baiwali, Teh. Narayangarh, Distt. Ambala {HR}

Begd. 0ffice : SCO 75, First Fl00r, Sector 12, [email protected], www.puniabagmfarming.com

SLIGHT ALKALINE RANGE,LITTLE PROBLEM OFMICRONUTRIENTELEMENTS.

pH(1:2.5)

NORMAL RANGE , SUITABLEFOR ALL CROPS

EC (dSm,-1

MEDIUM RANGE , APPLYORGANIC MANUREMEDIUM RANGE, APPLYRECOMMENDED DOSE ONLYHIGH RANGE, REDUCERECOMMENDED DOES BY25o/o

Available p

MEDIUM RANGE APPLYRECOMMENDED DOES ONLY

SOIL TESTING OFFICERS

+91-9513000006. +91-95s2655655. +91-9592555655

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