Area Development Schemes Baksa District - NABARD

 
Area Development Schemes Baksa District - NABARD
Area Development Schemes
      Baksa District

           राष्ट्रीय कृषि और ग्रामीण षिकास बैंक
              असम क्षेत्रीय कायाालय, गिु ाहाटी
   National Bank for Agriculture and Rural Development
                  Assam Regional Office
              G. S. Road, Dispur, Guwahati - 781 006
           Tel: 2232228, 2232246, Fax: 0361- 2235657
Area Development Scheme - Assam

मुख्य महाप्रबंधक के कलम से ...

अभी भी असम में कृषि प्रथाएँ प्रमुखतः एकल फसल पर आधाररत है । जहाँ, इस पारं पररक मनस्थथतत को बदलने के
ललए, अन्य क्षेत्रों में ध्यान केस्न्ित करने जैसे अनेक उपाय ककए जा रहे हैं , वहाँ पर डेयरी, सूअर पालन, बकरी पालन,
मत्सथय पालन जैसे संबद्ध गततषवधधयों ने ग्रामीण असम के सांथकृततक, सामास्जक एवं आधथिक बनावट में महत्सवपूणि
भलू मका तनभाई है ।

नाबाडि ने इन अनुिंगी गततषवधधयों की महत्सव को समझते हुए, षवशेिकर तनरं तर लाभप्रद आय प्रदान करने में , असम
के सभी स्जलों में क्षेत्र षवकास योजनाओं के तनमािण की सुषवधा के ललए पहल की है ।

इन योजनाओं के बारे में सभी हहतधारकों यानी संबस्न्धत षवभागों, बैंकरों और गैर सरकारी संगठनों के साथ लमलकर
इस हदशा में संकल्पना ककया गया एवं षवचार-षवमशि के बाद आम सहमतत से इन्हें अंततम रूप हदया गया है । षवलशष्ट
पररयोजना क्षेत्रों में शाखाओं की पहचान की गई है तथा अगले पाँच विों अथाित 2018-19 से 2022-23 तक षवषवध
क्षेत्रों के तहत बैंककं ग योजनाएँ तैयार की गई हैं।

सही हदशा में उठाए गए छोटे छोटे कदमों को जब एकजुट कर ललया जाता है तो इससे बहुत बड़ा फकि हदखाई दे ता
है । बैंककं ग योजनाओं के बारे में बताते हुए मुझे असीम खूशी महसूस हो रही है स्जसमें असम के डेयरी, सूअर पालन,
बकरी पालन, मत्सथय पालन और बुनाई क्षेत्र को सुषवधाजनक बनाने के ललए बैंकरों द्वारा लगभग रु.802 करोड़ की
बड़ी रालश की पररकल्पना की गई है ।

ककसानों तक आधार थतरीय ऋण प्रवाह की वषृ द्ध करने में ये बैंककं ग योजनाएँ लंबे समय तक सहायक होंगी तथा
“2022 तक ककसानों की आय को दोगुना करना” अधधदे श की उपलस्धध की ओर इसका प्रबल योगदान भी रहे गा। ऋणों
के संबंध में हो रहे गैर-तनष्पाहदत आस्थतया(एनपीए) को लेकर बैंकरों की वाथतषवक शंका को नाबाडि समझता है । इस
जोखखम को कम करने के ललए, नाबाडि ने अनेक स्जलों में संयुक्त दे यता समूह कायिक्रम के साथ क्षेत्र षवकास योजना
को लमला हदया है । क्षेत्र षवकास योजनाओं के तहत गैर सरकारी संगठनों के माध्यम से पोषित संयुक्त दे यता समूह
लाभाथी होंगे, जहाँ गैर सरकारी संगठन ऋण संषवभाग की गुणवत्सता बनाये रखने में सहायता करें गे और उधचत
अदायगी नीतत को सुषवधाजनक बनाएँगे।

मुझे पूरा षवश्वास है कक नाबाडि की इस पहल का पररणाम बहुत जल्द ही 2018-19 में शुरू होने जा रहे बैंककं ग
योजनाओं में हदखाई दे गा।     इसी सकारात्समक सोच के साथ मैं परू े हदल से सभी हहतधारकों को इस महान उद्यम में
सहभागी बनने के ललए आमंत्रत्रत करती हूँ।

[राजश्री के बरुआ]
मुख्य महाप्रबंधक
नाबाडि, असम क्षेत्रीय कायािलय, गुवाहाटी
Area Development Scheme - Assam

From Chief General Manager’s Desk

Agriculture in Assam is still predominantly practiced in the mono-cropping mode.
Although many inroads have been made in focused areas to break this traditional mindset,
allied activities such as dairy, piggery, goatery and fishery, have played an important role
in the cultural, social and economic fabric of rural Assam.

NABARD recognizing the importance of these allied activities, especially given the steady
profitable income, has taken the initiative to facilitate formulation of Area Development
Schemes in all the districts of Assam, from 2018-19 to 2022-23, under various sectors.

Small steps in the right direction make a big difference when aggregated. It gives me
immense pleasure to share the Banking Plans wherein a whopping `802 crore has been
envisaged by the bankers to facilitate the Dairy, Piggery, Goatery, Fishery and Weaving
sectors in Assam.

These Banking Plans would go a long way in increasing the Ground Level Credit to farmers
and contribute immensely towards the achievement of “Doubling of Farmers’ Income by
2022” mandate. NABARD understands the genuine apprehension of the bankers
regarding loans going NPA. To mitigate this risk, NABARD has converged the Area
Development Scheme with its Joint Liability Group programme in many districts. Joint
Liability Groups nurtured through NGOs would be the beneficiaries under the Area
Development Schemes, wherein the NGOs would help in maintaining the quality of the
loan portfolio and facilitate good repayment ethics.

I am confident this initiative of NABARD will culminate into the Banking Plans being
launched soon in 2018-19. On this positive note, I welcome all the stakeholders to
wholeheartedly participate in this noble venture.

[Rajashree K Baruah]
Chief General Manager
NABARD, Assam Regional Office
Guwahati
PIG
FARMING
Area Development Scheme - Pig Farming
                                                                         Baksa District

            Area Development Scheme on Pig Farming

1.     Introduction
The economy of the district is predominantly agriculture based. The district has a
net sown area of 69404 ha, constituting about 66% of the geographical area. 70%
of the work force is engaged in agriculture, the most important crop of the district
is paddy covering nearly 74% of the gross cropped area of 115497 ha. Other
important crops are vegetables (9%), mustard (8%), and horticultural crops (6%).
The crops cultivated in the district are Paddy, Wheat, Mustard, Lentil, Potato,
Jute, Vegetables. Pig farming provides livelihood support to the poor,
underprivileged, landless and marginal farm households. The pig production
systems are mainly subsistence-oriented but in view of the rising demand for
meat, there is a great scope for their commercialization in the district.
Baksa district is inhabited by population of Bodo, Kochari, Sonowal and
Rajbongshi tribes who traditionally prefer pig rearing. There is very good market
for pork in the district. Piggery farm is a profitable business for them. There is a
good potential for piggery farming in the district which would help in enhancing
self-employment generation. The tribal population prefer pig breeding as a
traditional activity and their economy contributes to the district’s economy.

Most of the piggery farmers in the district are small and marginal farmers,
undertaking piggery farming in an unorganized way with own land and some are
tenant farmers. Some of the farmers have undertaken the activity individually in
their backyard while some have been done under the Joint Liability Group mode.

Most of the farmers rear indigenous type of pigs. Some also undertake farming
with Hampshire HSX 1 type. The advantages of pig farming are many. Pigs have
got the highest feed conversion efficiency i.e., they produce more live weight gain
from a given weight of feed than any other class of meat producing animals except
broilers. Pig can utilise wide variety of feed viz., grains, forages, damaged feed and
garbage and convert them into valuable nutritious meat. However, feeding of
damaged grains, garbage and other unbalanced ration may result in lower feed
efficiency. They are prolific with shorter generation interval. A sow can be bred as
early as 8-9 months of age and can farrow twice in a year. They produce 6-12
piglets in each farrowing. Pig farming requires small investment on building and
equipment. Pigs are known for their meat yield, which in terms of dressing
percentage ranges from 65–80% in comparison to other livestock species whose
dressing yields may not exceed 65%. Pork is most nutritious with high fat and low
water content and has got better energy value than that of other meats. It is rich in
vitamins like Thiamin, Niacin and Riboflavin. Pig manure is widely used as
fertilizer for agriculture farms and fish ponds. Pigs store fat rapidly for which
there is an increasing demand from poultry feed, soap, paints and other chemical
industries. Pig farming provides quick returns since the marketable weight of
fatteners can be achieved within a period of 6-8 months.

Considering the importance of pig production in enhancing the rural livelihood
and as a good solution to the unemployment/underemployment problems
amongst the rural youth, the Area Development Scheme has been formulated.

                                          1
Area Development Scheme - Pig Farming
                                                                            Baksa District

2.     Forward and Backward Linkages

2.1. Availability of Piglets
As per Live Stock Census, 2012, there are 80612 pigs in Baksa District. Pigs are
reared in small units and technical skill required is of low intensity. Selling pork
meat is easy in the nearest market place and towns. Market for pig is also readily
available due to acceptability of pork amongst large segment of population in
the district and in neighbouring states. Baksa, due to its central location and
better connectivity, has the potential to develop as supplier of crossbred piglets
to other districts in Assam. For investment in fattening purposes a 3+1 unit of
piglets can serve as a viable unit. For breeding purpose optimal unit size for
investment can be varied to suit the investor’s management capacity.

2.2. Veterinary and Cross Breeding Infrastructure
Veterinary services will be provided by experienced veterinary doctors hired by the SHGs.
However, in addition, Department of Animal Husbandry, Government of Assam may
depute Veterinary Surgeons on a weekly basis from the Barama Block Veterinary
dispensary to the project area for vaccination, disease surveillance and treatment of the
animals. Artificial Insemination services and primary health services could be provided by
Regional Artificial Insemination Centre at Barama Block Veterinary dispensary.

2.3. Feed and Fodder Development
Feed plays an important role in successful pig production. The quality of the ration
determines the rate of growth of young pigs to a great extent. Pig is an omnivorous
animal and can utilize feed of both animal and vegetable sources. Pig, being a
mono-gastric animal requires all nutrients including good quality proteins and
vitamins in proper amounts and proper proportions. A carefully planned feeding
programme is, therefore, important for a successful swine production. It is obvious
that pig feeding must be as economical and efficient as possible.
Tapioca chips, tapioca flour, thippi or tapioca waste, rubber seed cake, tobacco
seed cake, mango seed kernel, molasses, fallow, hatchery waste etc., along with
various agro-industrial products can be incorporated in pig rations. Garbage, such
as kitchen waste and other vegetable waste can also be useful feed if properly
cooked and fed. In large cities, garbage is available in large quantities which can be
well processed and fed to the pigs.

2.4 Marketing Infrastructure
People of Assam and the North Eastern States mostly prefer fresh meat. Hence
butchers’ shops are the major source of supplying meat to the consumers. The
butchers procure live animals from the neighbouring villages or from the
middlemen. As there is no monitoring system to assess the quality of meat in small
towns or rural areas, so the butchers are virtually not accountable to any authority
and hence, they run their business according to their own will. Most of the
                                            2
Area Development Scheme - Pig Farming
                                                                          Baksa District

butchers sell meat in temporary sheds constructed above the ground with bamboo
mat and with or without any sidewall. There is no glass or net in their shop.
Trading of pigs and pork is done in the local markets as well as in neighboring
districts and states like Meghalaya.
3. Selection of the Area
Considering the geographical scenario of the area, number of pig rearers,
consumers and market demand, Barama Block in Baksa district has been selected.
Area Development Scheme in Barama Block for the district is proposed to be
operationalized through the medium of Individuals, Self Help Groups (SHG) and
Joint Liability Groups (JLG). SHG is an informal group of 10-20 members and
JLG is an informal group of 4-10 members. JLGs are formed for the purpose of
availing bank loan on individual basis or through group mechanism against
mutual guarantee. An NGO viz., Janashakti Biksash Mancha has also shown its
willingness to be involved in implementation of the scheme.

One Farmers’ Producer Company viz., Dagafu Pisiculture and Agro Producers
Company promoted under NABARD support has already started functioning. The
company will help for aggregation and market linkage. There is huge demand for
pig meat in Assam and North Eastern State.

4.       Selection of Beneficiaries
Beneficiaries under the Area Development Scheme will be selected by Block AH &
Veterinary Department in association with the bank branches viz., AGVB, SBI,
UCO, UBI and ACAB Ltd. Preference will be given to beneficiaries having access to
fodder and experience in pig rearing.

5.       Training and Capacity Building of Beneficiaries
Block Animal Husbandry and Veterinary Office imparts training for Piggery
Development. Under Cattle Insurance Program several workshops have already
been organized by the department to increase capacity building of Piggery
Farmers. NABARD would facilitate capacity building of beneficiaries through
intensive skill development training either exclusively or in association with
District Veterinary / AH & Vet. Department involving LDM, Branch Managers,
R’SETI and KVK etc.

6.       Techno-Economic Assumptions and Project Component
                                       Cost Chart
Sl. No.                         Particulars                        Physical Unit

     1                                                              Crossbred Pigs
           Breed

           No. of Animals
     2
           No of Boar (No.) 1 or 2                                        1

                                              3
Area Development Scheme - Pig Farming
                                                                                 Baksa District

Sl. No.                           Particulars                             Physical Unit
          No of Sow (No.) 3 or 10                                                3

          No of Animal in First Batch                                            1

          No of Animal in Second Batch                                           1

          No of Animal in Third Batch                                            1

          No. of Months after which Second and Third batch
                                                                                 2
          animal Purchased after First

          Stage at which the animal is bought(Months)                            3

          Body Weight of Animals(Kg/Animal)                                     25

          Rate of Animal(./kg body wt)                                          150

          Cost of Animal (`. /Animal)                                          3750

          Cost of Transportation (`. / Animal)                                  250

  3       Cost of Equipment (`./Animal)                                         800

          Housing

          Shed - Area (Sq. Ft.)                                                 290

          Cost of Construction of Shed (`./Sq.Ft.)                              300
  4
          Open Area (Sq Ft)                                                     310

          Cost of Construction of open area (`./Sq ft)                          100

          Family labour used for housing (lumpsum `..)                         0.00

          Feed Requirement

          Boar (Kg/Animal/Day)                                                   3

          Sow (Kg/Animal/Day)                                                   3.50

          Weaner (up to 2 months) (Kg/Animal/Day)                              0.20

          Fattener (3 to 5 months) (Kg/Animal/Day)                              1.50
   5
          Fattener (6 to 8 months) (Kg/Animal/Day)                               2

          Agricultural Waste (%)                                                70

          Cost of Agricultural Waste (`./Kg)                                    0.50

          Concentrate Feed (%)                                                  30

          Cost of Concentrate (`. /Kg)                                          25

  6       Insurance Premium (%) 1 Year(5%)3 Years(7%)                            7

          Technical Specifications
   7
          Pregnancy Period ( Months)                                             4

                                                 4
Area Development Scheme - Pig Farming
                                                                                       Baksa District

Sl. No.                             Particulars                                Physical Unit
            Lactation Period ( Months)                                                  2

            No of piglets per farrowings                                               8

            Mortality among weaners(%)                                                 20

            Mortality among fattener(%)                                                10

            Age at Maturity (Months)                                                    9

            Medicines and Ovehead
    8
            Veterinary Aid (`./Animal/Year)                                        3000

            Financial and Banking Specifications

            Age of Fattener at Sale (months)                                           8

            Weight of fattener at Sale (Kg)                                            80

            Rate of Fattener at sale (`./Kg)                                           150

            Price of Fattener at Sale (`.)                                         12000

            Income from sale of manure (`./Year) To be utilised as
                                                                                      0.00
    9       FYM

            Salvage Value of all animals /value of closing stock at the
                                                                                  99000
            year end (`.)

            Margin (%)                                                                 15

            Interest Rate (%)                                                          12

            No. of Days in a Year                                                      360

            Repayment Period (5 to 7 Years)                                             5

Herd Projection Chart

             YEAR                      I        II        III             IV      V            VI

All Batches

Growing Boar - months                  6        0          0              0       0            0

Growing Sow - months                  18        0          0              0       0            0

Boar-months                            6       12          12             12      12           12

Sow-months                            18       36          36             36      36           36

Weaners-months                        36       72          72             72      72           72

3 to 5 months fatteners months         0       90          90             90      90           90

6 to 8 months fatteners months         0       90          90             90      90           90

Sale of fatteners (no)                 0       15          30             30      30           30

                                                     5
Area Development Scheme - Pig Farming
                                                                                      Baksa District

Water Requirement

Sl. No.              Maturing Age ( in weeks )                      Requirement (in litres)
       1                           8-12                                       3-5

   2                               13-18                                          6

       3                           19-24                                       7.5

   4                                25                                            8

7. Partners in Implementation of the Project
The partners in the implementation of the project would consist of participating
bank branches, LDM, KVK, RSETI, Piggery Farmers, Department of Animal
Husbandry, NABARD and District Administration.

8. Project Cost
Project cost of the (3+1) Piggery - Breeder cum fattener unit - 3 Crossbred sows
and one exotic boar is as under.
Breeder cum fattener Unit Cost

Sl. No.           Cost             Specifications         No of animals `/ unit Amount (`)

   1       Pig sty                  Sft. per animal           No.           `/sft
   i       Boar                            70                  1            250           17500

  ii       Sow                             60                  3            250          45000

  2        Fattener shed                   12.5                20           250           62500

  3        Equipments                                                                     3000

  4        Cost of Piglets

   i       Boar                          3 months              1           4000           4000

  ii       Sow                           3 months              3           2500           7500

           Supplementary                                                   Total
   5                                  Feed (Kg)               No.
           feed                                                            (Kg)

   i       Concentrate feed                1134                              25           28350

           Creep feed        for
  ii       piglets (up        to            9                  27            25           6075
           weaning)

  6        Insurance                       5%                                             1946

                                                                           Total         175871

                                                                            Say          176000

                                                      6
Area Development Scheme - Pig Farming
                                                                                    Baksa District

 Phasing of Investment Cost                                                         (Amt. in `)
 Phasing of      Purchase        Housing     Equip     Feed     Medicines    Insurance     Total
Investment       of Animal                   ment      Cost       and
   Cost                                                         overhead

  Quarter I             11500      125000     3000      5737           100         1946   147283

  Quarter II                                            5737           100                  5837

 Quarter III                                            5737           100                  5837

 Quarter IV                                             5738           100                  5838

  Quarter V                                             5738           100                  5838

 Quarter VI                                             5738           100                  5838

                        11500     125000     3000     34425            600         1946   176471

Phasing of Loan                                                                       (Amt. in `)
Phasing        Purchase      Housing        Equipme      Feed        Medicines    Insur    Total
of Loan        of Animal                       nt        Cost          and         ance
                                                                     overhead
Quarter I           9775         106252         2550       4876             85     1654    125192

Quarter II                                                 4876              85              4961

Quarter III                                                4876              85              4961

Quarter IV                                                    4877           85              4962

Quarter V                                                     4877           85              4962

Quarter VI                                                    4877           85              4962

                 9775           106252       2550       29259          510        1654    150000

9. Banking Network and & Trend in Credit Flow
Baksa district has a network of 37 bank branches as on 31 March 2017. There are
09 Commercial Banks including Private Banks, 01 RRB (Asssam Gramin Vikash
Bank) with 16 branches. In addition there are 24 PACS are operating in the
district. The banks overall CD Ratio in the district was 39% as on 31 March 2017.
The GLC flow under the priority sector during the last five years has been observed
to be fluctuating. The credit flow to priority sector during 2016-17 was `19581.34
lakh which was 50% of DCP target in 2016-17. Only one bank branch is operating
in that area. Two Fixed CSP centres caters to the need of these seven villages. The
scheme will be implemented through Assam Gramin Vikash Bank.

                                                 7
Area Development Scheme - Pig Farming
                                                                                      Baksa District

  10. Physical and Financial Programme

  5 years Banking plan has been prepared by NABARD, Assam Regional Office for
  implementation by banks starting from 2018-19. The project would be
  implemented on pilot basis Barama Block in Baksa district.

  Farmers, individual entrepreneurs, SHGs, JLGs, NGOs, companies and
  partnership firms are eligible for availing loan for establishing pig breeding unit,
  pig breeding-cum-fattening unit and retail outlets.                   (` in Lakh)
                                                                 Total
         Name of Bank
                                               Phy Units                         Financial
  AGVB                                                         105                            184.8
               Total                                           105                            184.8

11. Project Profitability
  Calculation of profitability of the project with 3 sows and 1 boar is as under:      (Amt. in `)
            Income                  Year       Year         Year      Year         Year       Year
                                     I           II          III       IV           V          VI
  Sale of fattener                         0   180000      360000    360000       360000     360000

  Sale of Manure                           0           0        0           0          0

  Value of closing stock                                                                      99000

  Total Income                             0   180000      360000    360000       360000     459000

  Expenditure

  Amount of Feed

  Breeding Stock

  Growing Boar (3          to   8
  months)                             360              0        0           0          0          0

  Growing      Sow   (3    to   8
  months)                            1080              0        0           0          0          0

  Boar                                540        1080        1080         1080      1080       1080

  Sow                                1890        3780        3780         3780      3780       3780

  Weaner (up to 2 months)             216         432         432          432       432        432

  Fattener (3 to 5 months)                 0     4050        4050        4050       4050       4050

  Fattener (6 to 8 months)                 0     5400        5400        5400       5400       5400

  Sub Total                          4086       14742       14742     14742        14742      14742

  Feed Cost                         32075       115725      115725    115725       115725     115725

  Veterinary     and       other
  Expenses                            600       12000       12000        12000     12000      12000

                                                   8
Area Development Scheme - Pig Farming
                                                                                           Baksa District

          Income                   Year          Year           Year      Year       Year          Year
                                    I             II             III       IV         V             VI
Insurance                            1946          4950           4950      4950       4950          4950

Miscellaneous expenses                 1000           1000       1000       1000      1000           1000

Total Expenditure                      35621      133675        133675    133675     133675        163159

Less              Capitalised
Expenditure                            35621          2350

Total Expenditure after
netting     Capitalised
expenditure                                0      131325        133675    133675     133675        163159

Gross Surplus                              0      48675         226325    226325    226325         295841

Operating Profit Before
Interest           and
Depreciation                       -35621         46325         226325    226325    226325         295841

         Net Profit                -35621         46325         226325    226325    226325         295841

12. Financial Analysis
The financial analysis for 3 sows and 1 boar is as under:
                                                                                               (Amt. in `)
Cash    flow     and            Year           Year           Year       Year       Year          Year
Calculation of IRR               I              II             III        IV         V             VI

Investment Cost                 176000                0              0          0          0             0

Recurring Cost                         0       131325         133675     133675     133675         163159

Total Cost                      176000         131325         133675     133675     133675         163159

Income                                 0       180000         360000     360000     360000        459000

Net Income                  -176000             48675         226325     226325     226325         295841

NPW of Total Cost @
15%                             153043         99300           87893      76429      66460          70538

                            553664

NPW of Income @
15%                                    0       136106         236706     205831     178984         198438

                            956065

NPW of Net Income @
15%                         -153043             36805         148813     129402     112524         127900

                            402401

 Benefit Cost Ratio               1.73

         IRR                     55.5%

                                                          9
Area Development Scheme - Pig Farming
                                                                          Baksa District

13. Sensitivity Analysis
The above financial analysis has been recalculated taking into consideration 5%
increase in cost and 5% decrease in benefits and indicated below:
                                                                            (Amt. in `)

Cash      flow       and    Year       Year     Year      Year       Year       Year
Calculation of IRR            I          II      III       IV         V           VI
Total Cost after 5%
                           184800      137891   140358    140358    140358       171317
increase
Total Income after 5%
                                   0   171000 342000     342000     342000     436050
reduction
Net Income                 -184800      33109   201642    201642    201642      264733
NPW of Total Cost @
                           160696      104265   92288      80250     69783       74065
15%
                            581347
NPW of Income @ 15%                0   129301   224871    195540    170034      188516
                           908262
NPW of Net       Income
                           -160696     25035    132583    115289    100252       114451
Income @ 15%
                            326915
    Benefit Cost Ratio        1.56
           IRR             44.30%

14. SWOT Analysis
         Strengths:
         Good supplementary activity in the scheme area for doubling the farmers’
          income.
         Adequate availability of forward and backward linkages in the scheme
          area.
         Weaknesses:
         Limited fodder availability in the scheme area.
         Inadequate awareness among the farmers on scientific rearing.

         Opportunities:
         Growing demand for meat from consumers in the area due to increasing
              in income level.
         Proximity to demand centres / markets.
         Threats:
         Changes in Govt. policy leading to adverse procurement price.
         Weak monsoons adversely affect the meat production and thereby meat
          procurement.
         Climate change may also affect growth of pigs.
                                          10
Area Development Scheme - Pig Farming
                                                                                        Baksa District

15. Repayment
The repayment is considered to be 5 years including moratorium period.
        A. Bankability                                                                   (Amt. in `)
                   Year                      I          II           III           IV           V
                 Unit Cost                 176000

                Margin (%)                       15

                Bank Loan                  140076       9924

            Rate of Interest (%)                 12

Loan O/S at the beginning of the year      140076      166809        144568      100759         54959

            Accrual of interest             16809       20017         17348        12091         6595

              Gross Surplus                      0      48675        226325      226325       226325

          Repayment of Interest                  0      20017         17348        12091         6595

          Repayment of Principal                 0      22241         43809       45800         54959

     Loan O/S at the end of the year        156885     144568        100759        54959              0

              Total Outgoing                     0     42258           61157       57891        61554

               Net Surplus                       0       6417        165168      168434        164771

B. Repayment                                                                            (Amt. in `)
Year        Income           Expenses            Gross Surplus       Instalments        Net Surplus

    II            180000                131325               48675             42258             6417

    III          360000                 133675           226325                61157           165168

    IV           360000                 133675           226325                57891          168434

    V            360000                 133675           226325                61554           164771

16. Implementation Strategy and Monitoring Mechanism
       Department of Animal Husbandry may create awareness about piggery in
        the district and guide pig farmers to establish breeding and breeder-cum-
        fattener units of pigs and pork retail outlet units on scientific lines in the
        district under the scheme. DAH may conduct veterinary health camps and
        provide training to the beneficiaries of the plan on scientific pig farming. DAH
        may identify suitable pig farmers interested in expanding their farms with
        credit.

                                                  11
Area Development Scheme - Pig Farming
                                                                         Baksa District

   Branches of Banks may select suitable pig farmers identified by DAH and or
    directly identify clients & finance diversified activities under piggery. Branches
    may ensure successful implementation of the banking plan in the district.
   NABARD prepare banking plan; ensure implementation of the plan in
    association with participating Banks and line departments; facilitate capacity
    building of beneficiaries of the plan through AGVB-RSETI / training institutes
    / KVK / and provide exposure visits whenever required.
   A project implementation and monitoring committee would be constituted for
    monitoring of the ADS. The PIMC would consists of the participating bank
    branches, LDM, KVK, RSETI, representative of the beneficiaries farmers,
    Department of Animal Husbandry and NABARD with Deputy Commissioner as
    Chairman.
   Possibility of implementing the project through a reputed NGO/s under JLG
    mode may be explored. Incentives to NGO/s may be given by NABARD.

17.    Conclusion
Doubling real income of farmers by 2022 over the base year of 2015-16, would
require approximate annual growth of 10.41 per cent in farmers’ income. This
implies that the on-going and previously achieved rate of growth in farm income
has to be sharply accelerated. Thrust, therefore, has to be given for development of
allied activities to harness all possible sources of growth in farmers' income by the
targeted year.
The results of the financial analysis of the project indicates that it is financial
viable / bankable.

                              _________________

                                          12
Area Development Scheme - Banking plan on Pig Farming
                                               Bank wise and Block wise targets - Physical and Financial

Name of the District : Baksa
Unit Cost (` in lakh)      1.76                                                                     Physical Units in Nos. and Financial in ` lakh

                                2018-19                     2019-20                         2020-21                   2021-22                 2022-23                    Total
       Name of Block
                        Phy Units    Financial   Phy Units    Financial            Phy Units    Financial     Phy Units   Financial    Phy Units   Financial   Phy Units   Financial
Barama                            15        26.4           15                 26.4           20          35.2          25           44          30        52.8        105       184.8
           Total                  15       26.4           15                  26.4             20        35.2          25         44           30        52.8         105       184.8

Unit Cost (` in lakh)      1.76

                               2018-19                      2019-20                          2020-21                  2021-22                 2022-23                   Total
       Name of Block
                         Phy Units  Financial     Phy Units      Financial            Phy Units   Financial     Phy Units  Financial    Phy Units  Financial    Phy Units   Financial
AGVB                             15       26.4            15               26.4               20         35.2           25         44           30       52.8         105       184.8
           Total                 15      26.4             15             26.4                 20        35.2           25         44           30       52.8          105       184.8

Consolidated

                                 Total                                                         Total
       Name of Block                                            Name of Bank
                         Phy Units   Financial                                        Phy Units    Financial
Barama                         105       184.8                 AGVB                         105         184.8
           Total               105       184.8                        Total                 105         184.8

                                                                                     Page 13
GOAT
FARMING
Area Development Scheme – Goat Farming
                                                                        Baksa District

            Area Development Scheme on Goat Farming

 1. Introduction

Like most of the districts of the state of Assam, the economy of Baksa district is also
predominantly agrarian in nature. Out of the total geographical area of 245700 ha,
the gross cropped area is 164862 ha and Net sown area is 145872 ha. indicating
182% cropping intensity in the district. About 88% of the land holdings belongs to
the small and marginal farmer.

Animal husbandry is one sector which has high potential for growth. The potential
of the sector needs to be exploited as this can play a key role in providing
sustainable employment in their location itself and arrest migration of people to
urban areas. As animal husbandry is an activity which can easily be taken up by
rural communities as skill and resource requirements are minimal, inputs are
locally available and marketing does not pose a major problem, it can act as an
engine in poverty alleviation programmes by making asset less poor into income
generating asset owing population. This will go a long way in not only augmenting
food security, human security, empowerment of women and rural youths, 1 but will
also help in triggering and invigorating the rural economy ultimately contributing
significantly to the comprehensive socio-economic transformation of the State.

The small ruminants provide livelihood support to the poor underprivileged
landless, and marginal farm households. The goat and sheep production systems
are mainly subsistence-oriented but in view of the rising demand for meat, there is a
great scope for their commercialization in the district. As per the Livestock Census -
2012, the population of goats was 191859, sheep was 13334

This Area Development Scheme has been prepared by NABARD to increase the flow
of credit to accelerate the pace of capital formation in agriculture especially under
Animal Husbandry sector and also to ensure SHG/JLG members to take up income
generating activities on a sustainable basis in the district. The scheme will be
implemented under the guidance of District Administration, in association with
ASRLM, Animal Husbandry &Veterinary Department, RSETI, Krishi Vigyan
Kendra, NGOs and the branches of associated banks in the identified area.
2.    Forward and Backward Linkages

Sheep and Goat farming in small scale do require much land. In the selected
villages grazing field and plant leaves are available. Mostly indigenous breeds are
reared. A few Exotic/CB Beetl breeds are also available in some villages. The high
land areas are preferable for sheep and goat farming and should be free from flood
havoc. The area based scheme will be feasible.

                                          14
Area Development Scheme – Goat Farming
                                                                        Baksa District

      i.      Cross breed population is very few indigenous, Goat 1,91,859, Sheep
              13334 nos.
      ii.     Female breed able population
              Improved breed: negligible
              Indigenous : 60,000 nos. (approx.)
      iii.    % of breed able female papulation to total population is 11.5%.
      iv.     Growth rate of population : 50-60%
      v.      Average kidding twice a year & 2 kids per kidding.
      vi.     No. of market (Livestock/sheep & Goat) of Baksa district.
              a. Goreswar Bazar –Goreswar
              b. Tamulpur Bazar – Tamulpur
              c. Barama Bazar – Barama

Almost 50% of the required good quality sheep/goat supply come from local villages
and remaining 50% comes from outside the district.

AH & Vety Department, Baksa is providing health care facililty to Goat & Sheep
farmers. AI of goat is not yet available for breeding purpose in the district. Few
farmers are having CB Beetal goat for breeding services.

Area development scheme for the district is proposed to be operationalized through
the medium of Individual, Self Help Group (SHG) and Joint Liability Group(JLG).

The scheme will be implemented under the guidance of Baksa District
Administration, in association with the Department of AH & Vety, NGOs and
Banks. The objectives of the scheme are :

         I.   Improving backward linkages and credit linkage.
        II.   Collective marketing for better price realization through FPO.
       III.   Facilitate formation of SHG and JLG in Baksa District through NGO

3. Selection of Area
The ADS will be implemented in Goeswar Block of Baksa district in the foothills of
Bhutan. The area is flood free & plenty of green grass and free leaves and grazing
land is available.
4. Selection of Beneficiaries
The scheme is proposed to be implemented through Individual, SHGs/JLG
approach. The SHGs/JLGs may be selected based on their grading and past
activities. It is proposed to allocate the female animals to the interested members of
the group proportionately, who desire to avail loan facility for undertaking income
generating activities. The male animals is proposed to be treated as the property of
the SHG/JLG and members availing loan facility out of the scheme may use the

                                         15
Area Development Scheme – Goat Farming
                                                                                  Baksa District

same free of cost, for breeding purpose of the animals. Further, FPO will help the
banks in selection of beneficiaries.
5. Capacity Building of Beneficiaries
Traditionally goat is reared in most of the rural areas using traditional method.
Since black Bengal and Assam Hill Goat is proposed under the scheme, it is
necessary to rear it scientifically for better result. The beneficiaries are required to
be given adequate training on scientific rearing and feeding of the animals.
Accordingly, adequate training programme for the group leaders of the SHGs may
be arranged through RSETI/KVK/NGO etc. Financial support for such training
programme may be provided by NABARD/ASRLM and other agencies on need
basis. The trainers is expected to guide the SHG members for proper rearing of the
goat.
6. Techno-Economic Assumptions
A. Cost Chart
Sl. No.                           Particulars                                Physical Unit
                                                                       Black Bengal / Assam Hill
          Breed
                                                                       Goat/ Black Bengal Crosses
                                                                       Semi-intensive system based
   1
          System of rearing                                            on grazing with feeding
                                                                       limited ration
          Feed Requirement
          No. of Animals
          No of Buck (No.) 1 or 2                                                   1
          No of Does (No.) 3 or 10                                                 10
  2
          Stage at which the animal is bought (Months)                              8
          Cost of Breeding stock – Buck                                           6000
          Cost of Breeding stock – Doe                                            4000
  3       Cost of Equipment ( `/Animal)                                             0
          Housing
          Shed - Area (Sq. Ft.)                                                   270
  4
          Open Area (Sq Ft)                                                       190
          Family labour used for housing (lump sum `)                               0
          Feed Requirement
          Buck (Kg/Animal/Month)                                                   7.5
          Doe (Kg/Animal/Month)                                                     6
          Kids (up to 4 months) (Kg/Animal/Month)                                 2.25
  5       Kids (4 to 8 months) (Kg/Animal/Month)                                  3.75
          Cost of Cultivation of Fodder (`/Year)                                    0
          Roughages through grazing/browsing/fodder (%)                            80
          Cost of grazing/browsing                                                  0
          Concentrate Feed (%)                                                     20

                                                   16
Area Development Scheme – Goat Farming
                                                                                  Baksa District

 Sl. No.                            Particulars                                  Physical Unit
           Cost of Concentrate ( ` /Kg)                                               25
           Feed Cost under project assumed to be supplied by the
           farmers from their own resources and hence not
           capitalised in the project cost
     6     Insurance Premium (%) 1 Year (5%) 3 Years (7%)                                5
           Technical Specifications
           Pregnancy Period ( Months)                                                    5
           Lactation Period ( Months)                                                    5
     7     Litter size                                                                1.5
           Mortality among kids (%)                                                   20
           Mortality among Adults (%)                                                 10
           Age at Maturity (Months)                                                      9
           Medicines and Overheads
     8
           Veterinary Aid (`/Year)                                                   1700
           Financial and Banking Specifications
           Age of Kids at Sale (months)                                                  8
           Weight of Kids at Sale (Kg)                                                15
           Rate of Kids at sale (`/Kg)                                               300
           Price of Kids at Sale ( `)                                                4500
           Salvage Value of all animals / Value of closing stock
     9                                                                              106000
           (lumpsum `)
           Margin (%)                                                                 15
           Interest Rate (%)                                                          12
           No. of Days in a Year                                                     360
           Repayment Period (5 to 7 Years)                                               5
           Percent Net Income to beneficiary(Above 30% )                              50

A.       Flock Projection Chart

                                                                    Year

           All Batches                    1        2           3           4         5           6

 Adult Bucks Months                      12        12          12          12        12          12

 Adult Does Months                       120      120         120          120      120          120

 Kids (up to 4 Months) Months            56        56         112          56       112          56

 Kids (4 to 8 Months) Months              0        96          48          96        48          96

 Sale of Kids (no)                        0        19          29          29        28          29

                                                   17
Area Development Scheme – Goat Farming
                                                                                     Baksa District

B.       Feed Chart

                                       Concentrate Feeding

                                                Quantity                            Cost
 Sl. No.          Particulars
                                         (Kg / animal/month)                 (`/animal/Month)

     1     Buck                                       1.5                           38

     2     Doe                                        1.2                           30

     3     Kids (up to 4 months)                   0.45                              11

     4     Kids (4 to 8 months)                    0.75                              19

7. Partners in Implementation of the Project
For successful implementation of the programme, the roles of various
agencies/stake holders are indicated below:
 Sl. No.           Agency                                      Role of the agency

     1     NABARD                       Preparation & launching of Area Development Scheme.
                                        Coordinating implementation of the scheme in
                                         association Banks and other agencies.
                                        Facilitate formation of JLGs/SHGs (non-intensive
                                         blocks) and capacity building of beneficiaries of the
                                         scheme & credit linkage.
     2     NGOs as Self Help            Identification of beneficiaries.
           Group Promoting              Formation of SHGs (only in non-intensive blocks) / JLGs
           Institutions / Joint         Arrange training of members of SHGs/JLGs interested in
           Liability Group               Goat Rearing.
           Promotion Institutes         Guiding SHGs/JLGs for credit linkage with Banks.

     3     Branches of Bank             Extending credit for various activities under Goat rearing
                                         as per the plan outlined in the scheme.
     4     Department of Animal         Provide the benefits of various schemes to the
           Husbandry & Veterinary        beneficiaries of the area development scheme.
                                        Training to the beneficiaries on scientific Goat rearing in
                                         the cluster of villages covered under the scheme.
     5     RSETI / KVK                  Capacity building programmes.
                                        Facilitate support services.
     6     District Administration /    Launching the scheme in the DCC meeting.
           DCC                          Review the progress of the scheme implementation
                                         regularly in the DCC meetings.
                                        Ensuring convergence of benefits of various schemes
                                         supporting fisheries activities in the villages covered by
                                         the scheme in the district.

                                                 18
Area Development Scheme – Goat Farming
                                                                               Baksa District

8.      Project Cost for Goatery Unit of 10F+1M Activity
                                                                                  (Amt. in `)

                                                                  Unit in         Unit with
           Cost                No of Animals        ` / Unit      existing
                                                                   shed           new shed

Purchase of does                     10              4000          40000            40000

Purchase of buck                     1               6000           6000            6000

Cost of construction of shed                        Lumpsum                         15000

Insurance cost                                                      2300            2300

Miscellaneous                                                       1700            1700

                                                     Total         50000           65000

9. Banking Network and Trends in Credit Flow:

        i)     Names of the Implementing Bank          : AGVB, CBI, SBI and UCO
        Bank
        ii)    Branch network of implementing block involved in implementation of
        the ADS : In the one block identified for implementation of the ADS, AGVB
        has 1 branch and

UCO Bank has 1 branch and CBI has one branch.
Since, sub-sector wise data is not available in the district credit flow in this sector
could not be assessed.

10.     Physical and Financial Programme
         Name of Bank                                           Total             (` in lakh)
                                               Phy Units                     Financial
AGVB                                             100                             65
CBI                                               48                            31.2
UCO                                               48                            31.2
               Total                             196                           127.4
Detail are given in the Annexures.

                                               19
Area Development Scheme – Goat Farming
                                                                               Baksa District

11.      Project Profitability
The expected income for six years is indicated below:                         (Amt. in `)
                                  Year    Year           Year       Year     Year     Year
          Particulars
                                    I      II             III        IV        V       VI

Sale of Kids                       0      85500         130500     130500   126000   130500

Sale of Manure

Value of closing stock                                                               106000

Total Income                       0      85500         130500     130500   126000   236500

Expenditure

Amount of Feed

Adult Bucks Months                 90      90             90         90       90        90

Adult Does Months                  720     720            720        720      720      720

Kids (up to 4 Months) Months       126     126            252        126      252      126

Kids (4 to 8 Months) Months        0       360            180       360       180      360

Sub Total                         936     1296           1242       1296     1242     1296

Feed Cost                         23400   32400          31050     32400     31050    32400

Cost of Cultivation of Fodder      0       0               0          0        0        0

Veterinary and other Expenses     1700    1700           1700       1700     1700      1700

Insurance                         2300    5300           5300       5300     5300     5300

Total Expenditure                 27400   39400          38050     39400     38050    41992

Less Capitalised Expenditure      4000

Total Expenditure after netting
                                  23400   39400          38050     39400     38050    41992
Capitalised expenditure

Gross Surplus                      0      46100          92450      91100    87950   194508

12.      Financial Analysis
Financial analysis for six years is indicated below:                          (Amt. in `)
         Cash flow &               Year      Year          Year     Year     Year      Year

      Calculation of IRR            I            II         III      IV        V        VI

Investment Cost                   65000          0             0      0        0        0

Recurring Cost                    23400     39400         38050     39400    38050    41992

Total Cost                        88400     39400         38050     39400    38050    41992

                                           20
Area Development Scheme – Goat Farming
                                                                               Baksa District

         Cash flow &              Year       Year          Year          Year     Year     Year

    Calculation of IRR              I            II         III           IV       V        VI

Income                              0       85500         130500        130500   126000   236500

Net Income                        -88400    46100         92450          91100    87950   194508

NPW of Total Cost @ 15%           76870      29792         25018         22527    18918    18154

                                  191279

NPW of Income @ 15%                 0       64650         85806          74614    62644   102245

                                  389960

NPW of Net Income @ 15%           -76870    34858          60787         52087    43727   84091

                                                           198681

    Benefit Cost Ratio                                      2.04

             IRR                                            56.5%

13.      Sensitivity Analysis
The sensitivity analysis is done assuming 5% increase in cost and 5% decrease in
benefits, NPV, BCR and IRR. The details are indicated below:         (Amt. in `)

             Year                   I       II            III            IV        V       VI

Total Cost after 5% increase      92820    41370         39953          41370    39953    44092

Total Income after 5% reduction     0      81225         123975         123975   119700   224675

Net Income                        -92820   39855         84022          82605    79747    180583

NPW of Total Cost @ 15%           80713    31282         26270          23653    19864    19062

                                  200844

NPW of Income @ 15%                 0      61418         81516          70883    59512    97133

                                  370462

NPW of Net Income @ 15%           -80713   30136         55246          47230    39648    78071

                                                             169618

Benefit Cost Ratio                                               1.84

IRR                                                             47.1%

                                           21
Area Development Scheme – Goat Farming
                                                                               Baksa District

14.     SWOT Analysis
       Strengths
              Demand profile: Absolutely optimistic
              Huge & growing market
              Availability of affordable and skilled manpower
       Weaknesses
              Poor quality of animal
              Scattered and low farm output
              Inadequate procurement logistics
              Poor AI service net-work
              Poor access to organized markets deprive farmers of proper price
       Opportunities
              Alternate employment in rural area
              A huge untapped market for processed products
              Proximity to high demand market
              Growing purchasing power.
              Availability of grazing land
       Threats
               Disease outbreak

15. Repayment Period
A.      Bankability of the Project                                          (Amt. in `)
                                        Year         Year       Year       Year       Year
             Particulars
                                          I           II         III        IV          V

Unit Cost                               65000

Margin (%)                               15

Bank Loan                               55250

Rate of Interest (%)                     12

Loan O/S at the beginning of the year   55250        61880     54145       36097      18049

Accrual of interest                     6630         7426       6497       4332       2166

Gross Surplus                            0           46100     92450       91100      87950

Repayment of Interest                    0           7426       6497       4332       2166

Repayment of Principal                   0           7735      18048       18048      18049

Loan O/S at the end of the year         61880        54145     36097       18049        0

Total Outgoing                           0           15161     24545       22380      20215

             Net Surplus                 0           30939     67905       68720      67735

                                                22
Area Development Scheme – Goat Farming
                                                                        Baksa District

B.           Repayment Schedule                                       (Amt. in `)

Year     Income    Expenses    Gross Surplus      EMI Instalments       Net Surplus

    I     85500       39400          46100               15161              30939

    II    130500      38050          92450               24545              67905

 III      130500      39400          91100               22380              68720

    IV    126000      38050          87950               20215              67735

16.      Implementation Strategy and Monitoring Mechanism

The Area Development Scheme [ADS] will be implemented and monitored through
the following mechanism:

        The ADS will be placed before the DCC for approval.
        A sub-Committee may be formed within the DCC comprising OF LDM,
         DDM, financing Banks, Animal Husbandry & Veterinary Dept., ASRLM,
         RSETI, KVK etc., for review the progress at district level and block level
         review will be done at the BLBC meetings.
        Involvement of stakeholders’ agencies in review meetings for ensuring the
         extension of support services committed by them.
        District level stakeholders workshop may be conducted for sensitization of
         Bankers/Line department officials and other stake holders.

17.      Conclusion

The ADS is likely to encourage SHG/JLG members and individuals to undertake
income generating activities in a planned manners. Since the project is also
proposed to be implemented through SHG/JLG approach, continuous monitoring
will be done by the ASRLM/NGO associated with the programme as SHPI/JLPI,
which will encourage bankers to extend credit to the SHGs. Continuous monitoring
from all stake holders proposed in the scheme will ensure better investment of bank
credit, which will definitely enable beneficiaries to realise sufficient income from
the scheme.

                              _________________

                                         23
Area Development Scheme - Banking plan on Goat Rearing
                                             Bank wise and Block wise targets - Physical and Financial

Name of the District : Goreswar Block ,Baksa District
Unit Cost ( ` in lakh )      0.65                                                                   Physical Units in Nos. and Financial in ` lakh

                                  2018-19                   2019-20                          2020-21                2021-22                 2022-23                 Total
         Name of Block
                            Phy Units Financial    Phy Units     Financial             Phy Units Financial    Phy Units  Financial    Phy Units Financial    Phy Units Financial
 Goreswar                           25     16.25           31            20.15                 35     22.75           45      29.25          60        39          196     127.4
             Total                  25     16.25           31                  20.15          35      22.75          45      29.25          60         39         196      127.4

  Unit Cost ( ` in lakh )    0.65

                                  2018-19                   2019-20                          2020-21                2021-22                 2022-23                 Total
         Name of Bank
                            Phy Units Financial    Phy Units     Financial             Phy Units Financial    Phy Units  Financial    Phy Units Financial    Phy Units Financial
 AGVB                               15      9.75           15             9.75                 15      9.75           25      16.25           30      19.5         100        65
 CBI                                 5      3.25             8             5.2                 10       6.5           10        6.5           15      9.75          48      31.2
 UCO                                 5      3.25             8             5.2                 10       6.5           10        6.5           15      9.75          48      31.2
             Total                 25     16.25            31           20.15                 35     22.75           45      29.25           60        39          196     127.4

  Consolidated

                                   Total                                                       Total
         Name of Block                                           Name of Bank
                            Phy Units Financial                                        Phy Units Financial
 Goreswar                         196     127.4                 AGVB                         100        65
                                                                CBI                           48      31.2
             Total                196      127.4                UCO                           48      31.2
                                                                       Total                 196     127.4

                                                                                  Page 24
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