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MODULE NO. : ABEL-ECON-4711Title : Project Planning, Formulation & Evaluation
of High valued Crop
Protected cultivation of Gerbera
Credit : 20=0+20
Presented By: 1. Kale Amit R. 2.Waghmare Rahul S.
INTRODUCTION
MethodologySite Selection:-
Policy Decision Taken by Government of Maharashtra at 5th July 2002 to Boost the Floriculture Industry.
Due To Favourable Climatic Condition A Floriculture Park Was Established in Maval Taluka At Talegaon Dhabade.
In the Floriculture Park , A Ideal Gerbera Producer V.D.Patil Sir’s Farm Was Selected for Our Experiential Learning.
Method of Data Collection:-
I. Primary Data:-1.Discusion With Entrepreneur , Supervisor , Labour.2.Market Intermediary.
II. Secondary Data:-1.Records.2.Bank.3.Internet.
Analysis of Data:-1.Tabular Method.2.Simple Average Method.3.Diffrent Graphs and Charts.
Analytical Tools:-
1.Current Ratio.2. Liquidity ratio.3. Turnover ratio.4. Profitability ratio.5. Net Income.6.B:C ratio.7.IRR.
NAME OF POLYHOUSENAME OF OWNER Mrs. Vijaya Vijay PatilAGE 55 YearsEDUCATION B. ATEL. NO. 9822301119TYPE OF POLYHOUSE SAW TOOTHTYPE OF OWNERSHIP INDIVIDUALCATEGORY OF POLYHOUSE SMALLYEAR OF ESTABLISHMENT 2006AREA 141 RGROWING CROP GerberaVARIETY Savhana, Danailin ,Zingaro,
Goliath, RosalianDalama
Profile
Location
1. Importance Of High-tech Agriculture
Best way to utilizing the Potential of Gerbera. Extend support to GM plants or plant bio-technology Efficient utilization of chemicals and Fertilizers. Water requirement of crops very limited and easy to
control. The yield may be 10-12 times higher(a life line for small
land holders) Export oriented view. Major beneficiary to small holding farmer.
• Gerbera flowers are Beautiful and attractive.• Available in Different type of colours.• Used in Decorations of various Events.• Used in Bouquet.• Gerbera as cut flowers Used in Flower Pots.• Used in Dry Flowers Industry.• Possibility to Export.• Scope for Research and Development in local
condition.
2. Importance and Scope of Gerbera Flowers
Source: Indian Horticulture Database-2011
Area and Production of Flowers In INDIA
YEAR
AREA PRODUCTION
(IN 000' HA)LOOSE CUT
(IN 000' MT) Million Flowers
2006-07 144 880 37175
2007-08 166 868 43654
2008-09 167 987 47942
2009-10 183 1021 66671
2010-11 191 1031 69027
Source: Indian Horticulture Database-2011
Area and Production of Flowers In INDIAPr
oduc
tion
Loos
e in
000
’ MT
Cut i
n M
illio
n Fl
ower
s
2006
-07
2007
-08
2008
-09
2009
-10
2010
-110
10000
20000
30000
40000
50000
60000
70000
144 166 167 183 191880 868 987 1021 1031
3717543654
47942
66671 69027
Area Loose Flowers Cut FlowersYears
S TAT E
AREA (in 000 ha)
PRODUCTION(in 000 MT and Cut in Lakh Nos)
2008-09
2009-10
2010-11
2008-09 2009-10 2010-11
LOOSE CUT LOOSE CUT LOOSE CUT
TAMILNADU29.14 32 32 233.7 0 247.3 0 247.3 0
West Bengal 21.07 21.9 23.1 52.00 21232 55.2 22170 59.2 23919
Karnataka 26 27 27 203.9 5867 203.9 5860 203.9 5860
Maharashtra 16.4 17.5 17.5 89.4 5728 91.1 7914 91.1 7914OTHER 73.91 84.5 91.3 408.4 15115 423.1 30727.4 429.8 31334.4
INDIA 166.52 182.9 190.9 987.4 47942 1020.6 66671.4 1031.3 69027.4
Source: Indian Horticulture Database-2011
Area and Production of Flowers In States
Major Cut Flower Producing State’s 2010-11
To work out cost of erection of Polyhouse of selected Unit.
To estimate cost of Gerbera production of selected Unit.
To study the market management aspects of Gerbera Flowers
of the selected Unit.
To estimate the Profitability of selected Gerbera Flowers
Unit.
To study the problems in the production and marketing of
Gerbera Flowers.
O B J E C T I V E S
Government Schemes
NHB• Offers 20% Subsidy on project cost limited to 25 ₹
lakh /project.
NHM• Gives 50% Subsidy • Up to 1 Acres
APEDA
• 25% For Cold Storage.• Warehouse and Godowns.
GOI and GOM
• Gives Subsidy for Irrigation System.
Country2008-2009 2009-2010 2010-2011
Qty Value Qty Value Qty Value
United States 7,111.5 7,213.5 5871.1 5,305.6 7153.9 5686.5Germany 3,589.8 3,966.3 3688.2 4065.0 4511.6 4280.6Netherland 4,640.2 5,987.2 3146.3 4217.9 2989.5 4162.0United Kingdom 4,369.7 4,284.5 3707.3 3788.3 4116.0 3761.8Japan 965.3 1,791.0 970.9 1558.7 576.7 1,151.9United Arab Emitates 762.7 991.8 971.7 1071.1 812.8 959.1Italy 1268.3 1,373.3 1453.7 714.4 1,234.0 856.8Canada 782.4 1,135.3 534.1 769.0 532.8 798.4Belgium 1,084.3 845.5 470.2 484.4 762.0 774.3Ethiopia 99.0 1,657.0 706.2 1,746.7 69.1 633.5Other 6,125.4 7,636.0 5294.4 5,625.6 5,017.8 5,580.5Total
30,789.3 36,881.4 26,814.5 29,446.4 27,776.2 28,645.4
Qty in MtValue in Lakhs
Source: Apeda Website February 2012
Export of flowers from India
Horticultural Practices
ParticularsApril May June July August
1wk
2wk
3wk
4wk
1wk
2wk
3wk
4wk
1wk
2wk
3wk
4wk
1wk
2wk
3wk
4wk
1wk
2wk
3WK
Land Development
Greenhouse foundation
Bedding material Application : Red soil
FYM
Rice Husk
Greenhouse Erection
Polythene fitting
Bedding Material Mixing
Fumigation
Bed Preparation
Drip &Misting System
Spraying System
Hosing Tap
Mixing of Neem cake ,Silica dust,Sterameal Wormicompost
Mixing Besal Dose
Plantation
Labour quarter
Commencement Of Flower
PROJECT CALENDER
General Practices
Ploughing
• Highly porous, well drained, airy• Gravel Sand- Bottom + Organic manure + Soil.• Basal Dose- (2080 sq.mt. ) SSP- 500kg and MgSO4- 100 kg
70cm
30cm
30cm 70cm
45 cm
35 cm
BED PREPARATION
Digging of Beds Bed Preparation
Application of Basal Dose Before Plantation
Showering Before Plantation ofGerbera Crop
Making Holes on the Beds.
1. Crown of Plant 1-2cm above soil.
2. Don’t Disturb root ball.
3. Distance row-row = 35cm.
- plant-plant = 30cm.
1. Propagation by tissue culture method.2. Select proper harden plants.3. Disease and pest free Plants.4. At planting time 4 to 5 leaves - each plants.
Properties
Precautions
Gerbera Plantation
Plantation of Gerbera Crop
Spraying of
Chemicals
Application of Fertilisers
Drip method Direct method
Harvesting
Maturity Indices
Packaging Of
Flowers
GERBERA
Box Size- 100X40X20cmNo. of Bunches - 50No. of Flowers - 500
1.To Maintain Health of Plant.2.Size of Flowers
Dis-budding De-Leafing
(To loose the top soil of the beds.)1.Aeration.2.Weeding.
Raking
Special Cultural Practices in Gerbera
1. Sanitation.2. Bud Initiation
Production Management Techniques Applied
Light Trap
Recycling of waste Material
Blue and Yellow Gum Cards for Controlling Thrips and Leaf Minor Respectively.
Washing the Polythine Paper
Management of Different Inputs
Sr.No. Particulars Qty(Grm.) Monthly Rate/Kg
A. Up to 3 Months After Plantation
1. 19:19:19 4200 . 79.60
2. MgSo4 200 288
3. Fe Chilated 150 480
B. After 3 Months of Plantation
1. 13:00:45 3200 81025
2. 00:52:34 1600 109.4
3. Fe Chilated 160 480
4. Cano3 3000 5 48.9
Application of Fertilizers
C Particulars Qty(Kg) Yearly Rate/Kg
5 Warmicompost 300 600 6
6 Neemcake 550 1100 9
7 Stera meal 4500 900 10
9 Phoret 30 60 40
Mon
Wen. Fri.12
Fri.Wen.
Mon
12
Major Pest and Disease
Powdery Mildew
Caterpillar Botrytis
APSA-80 = 0.3 mlBavistin = 2.0 gmCaptop = 1.5 gmRocko = 1.0 gm
APSA-80 = 0.3 mlCloropyriphose=1.5mlLannet = 1.5 gm
APSA-80 = 0.3 mlRocko = 1.0 gmQuintal = 0.5 gm
White Fly Leaf Minor Snale
1.Confider =0.5 ml2.Pride = 0.3 gmAPSA-80= 0.3 ml
Cloropyriphose =1.5mlCaledon = 1 gmAPSA-80 = 0.3 ml
Kombad khat
ThripsRegent =0.5mlConfidore =0.5mlAPSA-80 = 0.3 ml
Human Resource Management
Process of HRMSelection of Labour or SupervisorTraining
1.On Job Training.2.Off Job Training.
Evaluation of LabourRecruitment
1.Internal Sources.2.Extrnal Sources.
Motivation1.On time Payment2.offers Bonus
Promotion
Types of Polyhouses
MAXI-VENT POLYHOUSE FAN & PAD POLYHOUSE
WOODEN POLYHOUSESAW TOOTH POLYHOUSE
GLASSHOUSE POLYTUNNEL
SHADOWHALL SHADOW HOUSE
Type
s of
Pol
yhou
ses
ERECTION OF POLYHOUSE
SITE SELECTION CRITERION
Soil Ph 5.5 to 6.5 & EC less than 0.5 ms/cm
Continuous water source
Water Ph 5.5 to 7 & EC less than 0.3 ms/cm
construction- higher than the surrounding land
Scope for future expansion
Communication , Road & Market facility
Availability of cheap labour
Trees at least 30 m apart
FOUNDATION
STRUCTUREColumnsPurlinsGutters
BracingsRidgesSide Vents
-Dugged 90 pits-Traditional-Telescopic
Erection Of Polyhouse
POLYTHENE POLYLOCKS
ALUMINIUMLight transmission- 88 %
Life time - 2-3 years
Thickness- 200 microns
Continue.....
Polyfilm Fitting Fumigation
Continue.....
Formalin :Water=1:10
Installation of Irrigation System
Factors Influencing Selection of the Emitter
• Sandy,Loamy-clay/sand,ClayeySoil Type
• Canopy , Evaporation rate, Crop Factor
Water requirement
• Humidity, Micro climate, etcClimatic
requirement
• Power & water availabilitySite Conditions
Types of Emmiter
Emmiters
Drippers
Online
Inline
Mini Sprinklers Foggers
Inline- DriperIntegral DriplinesApplication-Row Crops-Close spaced Crops
Installation of Irrigation System
Installation of Weather Control Devices
Maj
or c
ompo
nent
s of
clim
ate
Light (Lux meter )
Temperature (Dry bulb)
Humidity (Hair hygrometer)
Wind (Anemometer)
Rainfall, Precipitation(Rainfall indicator)
Climatic Factors and Measuring Instruments
PROTECTED CULTIVATION
Solar Radiation
HeatPAR
Rain
Wind speed
TopVentilation
Outside Temperature
RH
Condensation
Transpiration
CO2
Inside Temperature
RH
Water uptake
SideVentilation
PROTECTED CULTIVATION
PAR
Rain
Wind speed
TopVentilation
Outside Temperature
RH
Condensation
Transpiration
CO2
Inside Temperature
RH
Water uptake
SideVentilation
Solar Radiation
• High production
• Good product quality
• Proper harvest planning
• Risk management (prevention of calamities)
• Optimum greenhouse climate in view of crop condition
• Cost management
GOALS OF CLIMATE CONTROL
Artificial Cooling- (Humidifiers)
Ventilation
Shading Net
Greenhouse Cooling Methods
Visit To Our Farm
Continue.....
Economical Part
SR. NO. PARTICULARS AMOUNT
( ₹)PERCE
NT(%)
1.Cost of construction material for framed structure @ 400 per ₹sq.m. 8,32,000
90.9
2.Cost of labour for construction of framed structure @ 10%
83,200
9.09
Total construction cost 9,15,200
100
Total construction cost for framed structure = ₹ 9,15,200
Cost of Construction of framed structure
SR. NO. PARTICULAR AMOUNT
( )₹PERCENT
(%)
1 Construction cost of framed structure 9,15,200 61.98
2 Cost of planting material 3,40,200 23.04
3 Cost of irrigation & fogger systems 2,21,154 14.98
TOTAL 14,76,554 100
Total Cost Erection Cost Of Polyhouse
Total cost of erection of polyhouse =₹14,76,554/-
Per unit Cost of erection = 709.88/sq.mt.₹
Sr. No. Particulars
Cost( )₹
1 a . Fixed Assets (Cost –B+C) 2065190.00 c. Working Capital for one Year (2011-12) 710209.21 Subtotal: 2775399.21
2
Means of Finance a. Owners Capital Investment 415190.00 b. Term Loan from Bank 1650000.00 Subtotal: 2065190.00 Expected Assistance from NHB 410000.00
3Bank Finance Required a. Term Loan 1650000.00 b. Cash Credit 710209.21
Crop:-GerberaArea:-2080 Sq.M.(52M.×40M.)Spacing:-30cm×35cm.No of Plants:-12600
FINANCIAL OUTLAY OF THE PRJECT
Sr.No. Particulars Unit Quantity Rate Total Cost( )₹A. 1.Land Cost (@ 2.40 lakhs/acre)₹ Acre 0.5 240000 120000B. Fixed Capital 1 Greenhouse Erection. Sq.M. 2080 440 9152002 Shade Net Sq.M 2080 18 374403 Drip and Fogging System Sq.M. 2080 80 1664004 Spraying System Extension No. ₹
1.HTP 1 9900 9900 2.3 HP Motor 1 7900 7900 3.5 HP Motor 1 12824 12824 4.1.5 Hp Motor 1 6250 6250 5. Genset 1 32000 32000 6.Other Charges - 17880 17880 Sub Total 86754
5 Labour Quarter(1) Sq.ft. 120 275 330006 Water Storage Tank 1220007 Tools and Equipments 15000 TOTAL-(B): 1375794
PROJECT COST
Sr.No. Particulars Unit Quantity Rate Total Cost( )₹A. 1.Land Cost (@ 2.40 lakhs/acre)₹ Acre 0.5 240000 120000B. Fixed Capital 1 Greenhouse Erection. Sq.M. 2080 440 9152002 Shade Net Sq.M 2080 18 374403 Drip and Fogging System Sq.M. 2080 80 1664004 Spraying System Extension No. ₹
1.HTP 1 9900 9900 2.3 HP Motor 1 7900 7900 3.5 HP Motor 1 12824 12824 4.1.5 Hp Motor 1 6250 6250 5. Genset 1 32000 32000 6.Other Charges - 17880 17880 Sub Total 86754
5 Labour Quarter(1) Sq.ft. 120 275 330006 Water Storage Tank 1220007 Tools and Equipments 15000 TOTAL-(B): 1375794
PROJECT COST
C Capital Cost : Unit Qty. Rate I II III IV V VI1 Land Preparation a. Ploughing Acre 0.5 1500 750 b. Harrowing Acre 0.5 1500 750 c. Levelling Acre 0.5 21000 10500 d. Murum Brass 90 325 29250 Total Land Preparation 41,250 2 Bed Preparation a Red Soil Brass 180 667 1,20,060 b FYM Brass 80 1200 96,000 c Wormicompost Mt 8.3 3000 24,900 24,900 d. Neem Cake Mt 2 8000 16,000 16,000 e Rice Husk Mt 8.3 2000 16,600 f Single Super Phosphate Mt 0.3 3500 1,050 1050 g Fumigation Sq.M. 2080 4 8,320 h Labour Charges (Bed Prepn) Sq.M. 2080 9 18,720 Total Bed Preparation 3,01,650 41950 B Planting Cost: a. Planting Material Per plant 12600 27 3,40,200 18000 b. Transport Per plant 12600 0.12 1,512 200 c. Planting Cost (Labour) Sq.M. 2080 2.3 4,784 Total Planting Cost 3,46,496 18200 TOTAL C: 689396 60150 TOTAL (A+B+C): 2185190
Sr. No. Particulars Unit Quantity Rate Total Cost( )₹ ( )₹
1 Manures & Fertilizers per month 12 7,902.5 948302 Intercultural & Labours per month 12 10900 130800
3
Plant Protection and GR per month
12 5,800 69594
4
Transportation and Commission
per month
12 5,385 492605 Packing Material per flower 6,04,800 0.28 1693446 Supervision Charges per month 12 4,000 480007 Light charges per month 12 767 92048 Water charges per month 12 1325 159009 Phone Bill per month 12 400 480010 Depreciation Yearly 94477.2111 Other expenses per month 12 2000 24000 TOTAL 710209
Working Capital Requirement (2011-12)
Sr.No
Particulars Cost per YearI II III IV V VI
C Recurring Cost: a. Manures & Fertilizers 29,895 55711 65524 69972 70625 94830
b. Intercultural & Labour 45,500 87000 94800 96000 105000 130800c. Plant Protection and
GR29,275 58570 59690 63570 66251 69594
d. Supervision 21,000 39000 42000 42000 45600 48000e. Light Charges 5,369 9204 9240 9420 9540 9204f. Water Charges 3,969 6840 7110 16425 16650 15900g. Phone Bills 3,500 2400 3000 3240 3000 4800h. Other Charges 5,000 3500 2000 3500 2500 24000i. Packaging 60,367 129416.7 138210.8 139286.6 155102.2 169344j. Transport and
Commission27,555 47100 48180 48540 47640 49260
Total-C 2,31,430 438741.7 469754.8 491953.6 521908.2 615732
Yearly Working Capital Requirement
Years
ParticularsVariable
CostFixed Cost
Depreciation
Interest Rate
Total Cost
Gross Income
Net Income
2006-07
2,31,430 21,85,190-
1,32,000 25,48,620 721525 -18,27,095
2007-08
4,38,742-
191802 1,32,000 7,62,544 1571489 808945
2008-09
4,69,755-
156776 66000 692530 1639683 947153
2009-10
4,91,953 60150 130468-
682571 1526349 843778
2010-11
5,21,908-
110290-
632198 1539091 906893
2011-12
6,15,732-
94477-
710209 1534578 824369
Profit Returns & Cost Comparison
2006-07 2007-08 2008-09 2009-10 2010-11 2011-12
-3000000
-2000000
-1000000
0
1000000
2000000
3000000
CostReturnsProfit
Years
Cost
, Ret
urns
and
Pro
fit In
₹
1 2 3 4 5 60
100000
200000
300000
400000
500000
600000
700000
Production of Gerbera Flowers
Series1
Years
Qua
ntity
in S
tem
s
1 2 3 4 5 62.4
2.45
2.5
2.55
2.6
2.65
2.7
2.51
2.55
2.61
2.63
2.58
2.67
Average Prices
Series1
Years
Rates in Rs.
Sr. No. Particulars
Years
1 2 3 4 5 6
1
Capacity Utilization 48 Flower Stems/plant per year 604800flower stems per 2080 sq.M.
47.53% 101.90% 103.87% 96.00% 98.64% 98.13%
2
Yield of Gerbera Flowers/year(lakh stems) 287460
616270 628231 580361 596547 593475
3
Recurring Expenditure
9,04,826 4,38,742 4,69,752 5,52,104 5,21,908 6,15,732
4
Production cost( Per Stem of flower)₹ 3.15
0.71
0.75
0.95
0.87
1.04
5
Average Production Cost ( Per Stem of flower)₹ 1
Cost of Production per stem
Sr. No. ParticularsYears
1 2 3 4 5 6
1Capacity Utilization (percentage) 47.08% 100.94% 102.90% 95.06% 97.71% 97.21%
2Yield of Gerbera Flowers per year(lakh stems)
287460 616270 628231 580361 596547 593475
3Sale Price (@ 2.59/- per ₹stem)
721525 1571489 1639683 1526349 1539091 1584578
4 Production cost/stem 3.15 0.71 0.75 0.95 0.87 1.04
5 Total Cost2609620 762544 692530 682571 632198 710209
6Net Profit (3-5)
-1888095 808945 947153 843778 906893 874369
Statement of Projected Profitability for Crop
Sr. No. Particulars
Year
2006-07 2007-08 2008-09 2009-10
1 Opening Balance 16.50 16.50 8.25 -
2 Repayment - 8.25 8.25 -
3 Closing Balance 16.50 8.25 0.00 -
4
Interest Rate (8% per annum) 1.32 1.32 0.66 -
Total Payment (Repayment + Interest) 1.32 9.57 8.91 -
Statement of Loan and Interest
SR. NO. YEAR BENEFIT COST NET RETURN D.F. 12% NPW
1 2006-07 721525 2532619 -1811094 0.8929 -1617049
2 2007-2008 1571489 762544 808945 0.7972 644886
3 2008-09 1639683 692530 947153 0.7118 674165
4 2009-2010 1526349 682571 843778 0.6355 536236
5 2010-11 1539091 632198 906893 0.5674 514596
6 2011-2012 1534578 710209 824369 0.5066 417651
TOTAL 1170485
Net Present Worth
NPW is Positive hence the Selected Gerbera Unit financially Feasible so the Project is accepted.
Conclusion:-
SR. NO. YEAR BENEFIT COST D. F. 12% PWB PWC
1 2006-07 721525 2532619 0.8929 644218 22612672 2007-2008 1571489 762544 0.7972 1252781 6078953 2008-09 1639683 692530 0.7118 1167094 4929304 2009-2010 1526349 682571 0.6355 970022 4337865 2010-11 1539091 632198 0.5674 873322 3587266 2011-2012 1534578 710209 0.5066 777465 359814
TOTAL 5684903 4514418B:C = 1.259277
Benefit Cost Ratio
Benefit Cost Ratio is >1 hence the Selected Gerbera Unit financially Feasible so the Project is accepted.
Conclusion:-
SR. No. YEAR
NET RETUR
ND. F. 25% D. F. 30% NPW @
L.D.RNPW @ H.D.R
1 2006-07 -1811094 0.8000 0.7692 -1448876 -13931502 2007-2008 808945 0.6400 0.5917 517725 4786663 2008-09 947153 0.5120 0.4552 484942 4311124 2009-2010 843778 0.4096 0.3501 345611 2954305 2010-11 906893 0.3277 0.2693 297171 2442536 2011-2012 824369 0.2621 0.2072 216103 170790
TOTAL = 412677 227100IRR 36.12
Internal Rate Of Return
Conclusion:-
IRR is > Lower Discounting Rate hence the Selected Gerbera Unit financially Feasible so the Project is accepted.
When D.F. Is 38% then NPW is nearly Zero and B:C Ratio =1 hence IRR is 38%
BEP
BEP= Fixed Cost (Selling Price Per Unit –Variable Cost Per Unit)
BEP= 2185190 (2.59-1)
BEP= 13,74,333 Stem
Pay Back Period =2 Years and 9 Months
Sr.No.
Packaging material
Qty Rate(kg)
Box(₹)
Bunch( )₹
1 Box 1 50 50
2.862 Rubber 150 215 6
3 Poly Bag 500 120 75
4 Patti 3 80 3.52
5 Clip 3 60 8.82
Total 143.34
Packaging Material Cost
Per Bunch Packaging Cost of Gerbera Flowers is 2.86 ₹
Conclusion:-
Visits
Sources of Finance
1. Owners Equity.2. Bank Loan.3. Government Subsidise.
Flow Chart for Obtaining the NHB Subsidy
Project Report Preparation By Promoter
Submission of Application to Bank / FI for Term Loan (40% min.)
Request to NHB by Bank/ FI for In Principal Approval along with Brief Project Profile.
Issue of Case No By NHB to Bank/ FI
Release of Term Loan by Bank/FI Promoter
Submission of II Joint Inspection Report to NHB HQ By State Office of NHB.
Presentation of Project for II Release.
Release of II and Instalment of Subsidy to Bank /FI by NHB HQ.
Only One Inspection Where NHB Subsidy is up to Rs.10 Lacks.
After Release of Term Loan Bank /FI write to NHB State Office for I joint Inspection of Project.
Continue.....
8 “A”. 7 “A” & 12. Quote of Plants. Quote of Irrigation . Quote of Polyhouse. Blue Print of Polyhouse. Bed Layout. Economic Projections . General Details of Crop & Marketing Scope . Owners Details. Soil & water Analysis Report. Technical Back-Up Letter.
List of Documents Required for Project Report Submission to Bank
1) G.H. Erection Contract Labour Quotation.2) Plastic Quotation.3) Plant Quotation.4) Drip System Quotation.5) Plastic Fixation Material Quotation.6) Red Soil Suppliers Quotation.7) Sand Suppliers Quotation.8) Shading Net Quotation.9) Fertilizer Quotation.10)Insecticide /Fungicide Quotation.
List of Quotations Required to Attached with Loan Proposal
Procedure for Sanctioning the Bank Loan
Application for Loan to Bank
Pre Sanction Visit of Bank
In Principal Approval/Sanction of Loan by Bank
Request to NHB by Bank to issue LOI
Bank Sanctioning Authority
Detailed Document Submission to Bank
Loan Disbursement
AB-I to AB-III
Marketing Channel of Gerbera
Producer
Retailer
Consumer
Producer
Wholesaler
Retailer
Consumer
Producer
Consumer
I II III
Sr.
No.Intermediary Particulars
ChannelI II III
1 Producers Selling Price 25 24 23.50
2 Wholesalers
Purchase Price - 23.50
Market Cost - - 0.50
Margin - - 2.0
Selling Price - - 25
3 Retailers
Purchase Price - 24 25
Market Cost - 2 2
Margin - 4 4
Selling Price - 30 30
4 Consumer Purchasing Price 25 30 30
Producers Share in Consumer Rupees 100% 80% 78.33%
Price Spread
10%
70%
20%
Channel Wise Flowers Sale
Channel IChannel IIChannel III
SWOT Analysis
SWOT Analysis
Better Management.Export Level Quality .Effective Marketing Strategy.Proper Utilization of Land.Use of Waste Material in the Farm.Organic Farming Partially.Ideal Project for Research work.Sanitary.Better Supervision By Owner.
Strength Weakness No Bargaining.
Lack of Export.
High Packaging Material Cost.
Unskilled Labour.
Opportunity
Export the Gerbera Flowers
Increase the Source of Income through allied Enterprises .
Threats
Changes in Government Polices.
Increasing Number of Competitors
Fluctuation in Market Rates
Sr.No. Problem Area Problems Suggestions1. Owner 1.Diversification of Labours 1.Provide Best Facilities.
2.Market Price Fluctuation. 2. Fix Marketing.
2. Technical 1.Problems in Expiry Date of Chemicals and Fertilizers.
1.Inventory Management. 2.Forecasting.
Problems and Suggestions
Experience Gained
CONCLUSIONS1. Total cost of construction of framed structure is
₹ 9.152 Lakh
2. Total cost of erection of polyhouse structure is
₹ 14.76554 Lakh i.e. ₹ 709.88 per sq.m.
3. Total cost of production per bunch is ₹ 10
4. The average rate of flowers per bunch is ₹ 25.90
6. The Pay back period for the selected polyhouse owner is 2 years 9
months.
7. The NPW of Gerbera Crop is positive hence Project is Financially
Feasible and Accepted.
8. The estimated Benefit Cost ratio is 1.26 which is Greater than 1 so
Project is Financially Feasible and Accepted.
9. IRR= 38%
10. BEP= 13,74,333 Stem
REFERENCES1) Horticulture training centre (HTC),Talegaon Dabhade. 2) www.htcindia.org3) Videos from “Nimitya” enterprises on “polyhouse and
shed net technology”4) www.masam.com5) www.apeda.org6) Green house management of horticulture, by S.PRASAD
.G.K, Agro bios publication.7) Green house operation and management by
Paul.V.Nelson.
