Area Development Schemes Baksa District - NABARD
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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- 2235657Area 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.
1Area 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
2Area 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
3Area 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
4Area 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
5Area 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
6Area 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.
7Area 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
8Area 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%
9Area 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.
10Area 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.
11Area 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.
_________________
12Area 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 13GOAT 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.
14Area 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
15Area 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
16Area 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
17Area 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.
18Area 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.
19Area 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
20Area 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%
21Area 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
22Area 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.
_________________
23Area Development Scheme - Banking plan on Goat Rearing
Bank wise and Block wise targets - Physical and Financial
Name of the District : Goreswar Block ,Baksa District
Unit Cost ( ` in lakh ) 0.65 Physical Units in Nos. and Financial in ` lakh
2018-19 2019-20 2020-21 2021-22 2022-23 Total
Name of Block
Phy Units Financial Phy Units Financial Phy Units Financial Phy Units Financial Phy Units Financial Phy Units Financial
Goreswar 25 16.25 31 20.15 35 22.75 45 29.25 60 39 196 127.4
Total 25 16.25 31 20.15 35 22.75 45 29.25 60 39 196 127.4
Unit Cost ( ` in lakh ) 0.65
2018-19 2019-20 2020-21 2021-22 2022-23 Total
Name of Bank
Phy Units Financial Phy Units Financial Phy Units Financial Phy Units Financial Phy Units Financial Phy Units Financial
AGVB 15 9.75 15 9.75 15 9.75 25 16.25 30 19.5 100 65
CBI 5 3.25 8 5.2 10 6.5 10 6.5 15 9.75 48 31.2
UCO 5 3.25 8 5.2 10 6.5 10 6.5 15 9.75 48 31.2
Total 25 16.25 31 20.15 35 22.75 45 29.25 60 39 196 127.4
Consolidated
Total Total
Name of Block Name of Bank
Phy Units Financial Phy Units Financial
Goreswar 196 127.4 AGVB 100 65
CBI 48 31.2
Total 196 127.4 UCO 48 31.2
Total 196 127.4
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