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Dairy Loan details from SBI - Dairy Plus Scheme

Posted 06-11-2009 at 12:45 PM by srinivas_cts

DAIRY PLUS SCHEME - SBI

Purpose

To finance :
Purchase of milch cattle.
Milking Machine.
Construction of shed
Chaff cutter and other equipments

Who is eligible for Dairy Plus loan
Farmers who are member of milk procuring societies or located on milk route.

Owners of small dairy with less than 10 milch animals –and owning a minimum of 0.25 acres for every 5 animals.

Large dairy units with 10 milch animals and more owning a minimum of 1 acre of land for cultivation of fodder for every 5 animals.

Loan amount
Up to Rs.2 lacs per borrower
Up to Rs. 50,000 – 100 % finance is given.
Above Rs. 50,000 - 85% finance is given.

Disbursement of loan
Wherever assets are purchased the loan amount is paid directly to the supplier/ seller.

Security

Amount of Loan Security to be furnished
upto Rs. 1,00,000 Hypothecation of assets financed
Above Rs. 1,00,000 i. Hypothecation of assets financed
ii. Mortgage of lands

Above Rs. 1,00,000 i. Hypothecation of assets financed

ii. Mortgage of lands or third party guarantee or Group Guarantee

How do you Repay
The loan amount should be repaid in monthly instalments over a period 5 lactations.

Other terms
Animal purchase should be in 2 batches.
Only buffaloes producing more than 7 litres of milk per day and cows producing more than 8 litres of milk per day are financed.
Only animals in first and second lactation period is financed

Thanks
Srini SDRL

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Comments

	can u please tell me the procedure to avail the loan to start dairy farm
	Posted 06-12-2009 at 09:55 AM by rajatrip

	Kindly visit SBI website for more details. Also please feel free to visit a SBI Branch to get a application form and keep your bankable project ready. Thanks Srini
	Posted 06-12-2009 at 10:03 AM by srinivas_cts

	can u please suggest me whether the dairy farm is profitable or not. because i am new to this business
	Posted 06-12-2009 at 10:07 AM by rajatrip

	Yes it is profitable and non profitable. 1. Why Profitable : When scientifically managed with proper understanding of the Dairy dynamics. Please read my blogs on the subjects you need to understand. 2. Why not profitable: When its worked as family business in small farmer's style traditionally. This can support the family and cannot run like a commercial business. Thanks Srini
	Posted 06-12-2009 at 11:58 AM by srinivas_cts

	If we generally assume Dairy is non profitable - we would not get any milk to Drink!!!!!!!!!!1 Businesses don't fail, only Business people fail. Ex.You can see both the scenarios in all businesses. See Satyam and Infosys. Satyam offered itself for a failure by practicing poor corporate management style. Infosys thrives with proper transparent corporate management style. Thanks Srini
	Posted 06-12-2009 at 12:01 PM by srinivas_cts

	And Banks approve loans for Dairy bcos the project is viable and profitable. All the best. Call me for specific details at 09884610722. Thanks Srini
	Posted 06-12-2009 at 12:03 PM by srinivas_cts

	Thanks 4 Useful and informative knowledge, but actually very difficult procedures to receive bank loan. Can u please suggest me for easy bank loan process?
	Posted 06-14-2009 at 12:22 PM by ajay nagar

	There is no easy or hard process to obtain bank loans. There is only one process to get bank Loans. Please visit SBI branch. Thanks Srini
	Posted 06-15-2009 at 10:31 AM by srinivas_cts

	Sir, Please letme know the convenient time to speak to you over phone. Regards J. Vaitheeswaran 9840777885
	Posted 06-15-2009 at 01:04 PM by vaithyj

	9884610722 is my number, you can speak to me anytime. Thanks srini
	Posted 06-15-2009 at 02:05 PM by srinivas_cts

	sir we have goshala with 380cows can we get loen for this animals
	Posted 06-17-2009 at 12:52 PM by sangames

	You can get loans for purchasing new animals. Thanks Srini
	Posted 06-17-2009 at 02:35 PM by srinivas_cts

	Can you support me about cultivation of Jerbera? Actually I am not a business person but I want to start this business, but I feel lost in case of Information How can I start? Where I can get all those Information, If yoy could support me.
	Posted 06-18-2009 at 08:41 PM by chandan_034

In an area of floriculture or flower production, Cutflowers have assumed prominent place in respect of (1) Selectivity or type of flowers, (2) Method of cultivation, (3) Marketing and (4)Final consumer use

Selectivity or type of flowers
From amongst the wide range of flowers, only certain type of flowers are grown as cutflowers because of their special features, particularly long stem or stalk. For example, rose, carnation, gerbera, gladiolus, tuberose, anthurium, etc. There is also varietial preference for them according to the choice of consumers.

Method of cultivation
Open field cultivation has been a traditional practice, which is a relatively cheaper method. In modern "Hi-tech" method the cutflowers are grown in polyhouses/greenhouses requiring high capital investment. But the quality of flowers produced is superior, because inside climate or micro-climate such as temperature, humidity, light, ventilation etc is controlled. Even water application is also controlled. Even water application is also controlled. Therefore, the quality of flowers is better. They are uniform in size, colour, freshness etc. Moreover flowers can be produced throughout the year to meet the market demand-domestic as well as foreign. Since flowers are of better quality, they fetch higher prices.

Marketing
Since cutflowers are of specific type and produced in polyhouses they are fresh and tender and since they are produced for specific purpose, great care is needed in their marketing viz. packing, handling, storage and transport. There should be minimum handling and transport should be quick with cooling and refrigeration facility. This is particularly necessary for cutflowers, which are produced for, export purpose.

Final consumer use
Final consumer use of cutflowers is different from other flowers. Their use is of more sophisticated nature in educated and well-to-do segment of consumers. Cutflowers are mainly used for preparing bouquets, which are used in functions and ceremonies to welcome guests, VIPs and to felicitate great utility and hence fetch high prices.

Economics of Production

The polyhouses in which cutflowers are grown are of various sizes ranging from 500 sq.m.to 10,000 sq.m. (One hectare). They also differ in terms of cost as (a) low cost-Rs.125/m2 , (b) medium cost- Rs.500/ m2 and (c) high cost-Rs.2000/ m2, depending upon material used for construction and other facilities provided in them. An investment in a polyhouse of one hectare size with medium cost comes to almost Rs. 50 lakhs, which is quite high. Considering high initial investment, the Government of India has introduced scheme of subsidy from 10% to 50%.

Sr.
No.

Particulars

Amount
Rs.
in lakh

I

Capital Investment

1

Polyhouse structure

45.00

2

Pre cooling and cold storage unit

15.00

3

Refrigerated van

13.00

4

Planting material

4.50

5

Land value

2.00

Total

79.50

II

Costs and Returns

1

Fixed costs

16.43

2

Variable costs

29.82

Total costs

46.25

3

Total no. of flowers produced
during 9 months (N0.)

6,76,170

4

Per flower

Average cost (Rs)

6.85

Average price received
with no important (Rs)

12.28

Average price received net
ofimport duty (15%) (Rs)

10.44

Net profit (Rs)

3.59

The items of fixed cost included interest on investment, depreciation on structure and transport and other equipment, and amortization of planting material. The items of variable cost included irrigation charges, fertigation, labour charges, managerial and supervision charges grading, packing, transport costs and air freight. This showed that inspite of high cost of cultivation of roses in polyhouses, their production is quite profitable due to export market.

Quality Grades

Cutflowers are graded according to the length of stem or stalk, which varies from 5 cm to 120 cm. Longer the stalk better the quality and hence higher the price. Most commonly followed grading is designated as-

Short - stalk length – below 45 cm.
Medium- stalk length – 45 to 60 cm.
Long - stalk length – more than 60 cm.
Most of the cutflowers (50%) were of medium stalk. Average price received per rose flower according to stalk length was Rs.7 for short, Rs. 16 for medium and Rs. 20 for long stalk.

Period of High Demand

In western countries, Valentine Day and Christmas festival are the periods of high demand and consequently of high prices. Per flower prices of roses were Rs. 26 at Valentine Day, Rs.17 at Christmas festival and Rs.10 at other times. This trend in prices needs to be considered while planning cutflowers production.

Thanks
Srini SDRL

Posted 06-19-2009 at 12:27 PM by srinivas_cts srinivas_cts is offline

Updated 06-19-2009 at 12:29 PM by srinivas_cts

Hello sir,
I am looking forward to start a dairy farm in Ongole district in Andhra Pradesh. i would like to know these things.
1. If there is any free handbook or catalog please send me
2. How much land require to start a farm.
3. For 30 cows and buffaloes.
4. Machinery required and their cost.
5. Shed building should be.
6. feed and feeding method to get more milk.
7. Minimum lands and money required to start with.

I wanted to do the ground work once i get the details. Please also send me if you have any catalogue on the same.

Thank You in Advance
Regards Srinivas

Posted 06-25-2009 at 10:48 PM by skakara skakara is offline

	Dear Sir I am planning to start dairy farm in tamil nadu.I am knew to the field.Please give the some tips? we have 20 acrs land ,same place i am planning to start coat farm ,is it ok.please give the suggestion Abbas
	Posted 07-03-2009 at 11:10 PM by abbasasm

Dear Mr.Srinivas ,

I m Raghuveer from Gujarat , planning to setup a dairy farm , i have 10 acres of land with irrigation facility . I am planning to hav a project in proper manner with all mordern and techinically sound systems .... pls if you could guide me as i have no expereince in this field. At present i m working with a 3 Star hotel as a Manager OPerations. but now i m planning to start my own business with the resources available with me........kindly guide .... can i call u ??

thanks

Raghuveer
099 79 39 49 19

Posted 08-04-2009 at 02:19 PM by raghuveersinh raghuveersinh is offline