Bankable Project Report For Setting Up Agricultural Pump Sets

Bankable project report for setting up agricultural pump sets.
More reports @
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Bankable project report for setting up agricultural pump sets
FOREWORD
Field studies by NABARD and other agencies like Indian Pump Manufacturers' Association, Indian
Diesel Engine Manufacturers' Association, Petroleum Conservation and Research Association, Rural
Electrification Corporation, Institute of Co-operative Management, have revealed that most of the
agricultural pump sets selected and installed operate at much lower efficiency than desired.
This is because of improper selection and installation of pump sets by farmers who are often guided by
the dealers and village mechanics. The financing institutions and other agencies who advance loans for
pump sets are expected to help farmers in proper selection and installation.
Improper selection of pump, prime mover and accessories results in wastage of energy and fuel causing
financial burden to farmers and the nation. The Bureau of Indian Standards (BIS) has already brought
out a standard IS-10804 (1994) for selection of efficient pump sets.
NABARD has conducted workshops to educate bank officials and farmers in proper selection and
installation of agricultural pump sets.
This document on "Selection and Financing of Agricultural Pump sets" is an endeavour to help bank
officers, farmers and other agencies in selecting an energy efficient pumping system and would serve as
a ready reckoner. The criteria for selection mentioned in the document are for guidance only.
This document is also available on www.nabard.org. Any suggestion for further improvement is
welcome.
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Bankable project report for setting up agricultural pump sets. More reports @
CONTENTS
FIELD STAFF GUIDE
1. Introduction
2. Minor Irrigation Units
3. Existing Well Practices
4. Suggested Well Dimensions
5. Agricultural Pump sets
6. Selection of Centrifugal Pump
7. Selection of Electric Motor
8. Selection of Diesel Engine
9. Selection of Suction and Delivery Pipes
10. Selection of Foot Valve
11. Farmers' Guide for Selection of Agricultural Pump sets
FINANCING OF AGRICULTURAL PUMP SETS
1. Cost of Pumping System

2. Loan for Pumping System
3. Repayment Period
4. Economics
5. Subsidy
6. Rate of Interest
7. Maintenance And Repairs of Centrifugal Pump sets
8. Further Guidance
ANNEXURES
1. Matrix for Selection of Agricultural Pump sets - with RPVC Pipes

2. Matrix for Selection of Agricultural Pump sets - with G.I. Pipes
3. National Bank Circular on Quality Control of Agricultural Pump sets
4. Average Unit Cost of Complete Pumping System
5. National Bank Circular on Unit Cost under Schematic Lending
6. Economic Analysis of Financing of Agricultural Pump set
SELECTION AND FINANCING OF AGRICULTURAL PUMP SETS

FIELD STAFF GUIDE
Introduction
The necessity of having simple field oriented guidelines for selection of proper agricultural pump set and
its accessories arises out of the fact that studies so far conducted by various agencies in the country
indicate that even at present majority of pump sets are improperly selected, incorrectly installed and
have deficiencies in selection of not only the major components of a pump set namely, pump and motor
but also in selecting proper size of suction and delivery pipes and foot valve. Studies have indicated that
a farmer can save over his present expenses for pump set operation if his pumping system is properly
selected compared to an improper selection and installation. Such correct selection would not only
salvage the farmer from his avoidable yearly financial loss but would also save the nation power by way
of savings in diesel oil consumption and electric power input to the large number of pump sets used in
agricultural operations.
Minor Irrigation Units
A farmer generally draws water either from a dugwell or a shallow tubewell fitted with a pump set. In
both cases a horizontal centrifugal pump set is mostly used. In all future references in this document
such a unit would be called as 'well and a pump set'.
When a farmer decides to construct a well his first worry is to make an estimate about the volume of
water he can expect from the well. The most convenient way to have an idea about this is to go to a
nearby similar working well and find out the discharge that is being obtained from it. This type of field
survey would also give an idea about the depth to water below ground level from where it has to be
lifted. In an unexplored area where no ground water pumpage structures exist, the expected yield from
well requires certain hydrogeological estimates for which guidance from the State Ground Water
Department could be taken.
Criteria recommended in this document are in conformity with IS-10804 (1994) for selection of a
complete pumping system (Fig.1) by Bureau of Indian Standards. This not only gives norms for
estimation of head and discharge on a farmer's well but also indicates the steps that are required for
proper selection of a pump set and its accessories in accordance with the head and discharge
conditions at a well.
Existing Well Practices
Even though yield from a well and the head over which water is required to be lifted have to be
ascertained from an existing similar structure in the area where a new well is proposed to be
constructed, it is advantageous if a broad spectrum of sizes of irrigation wells and their yields in various
formations in different States are given in a summarised form. These are given in Tables I and II. This
information may only be taken as a cross check for field data to be collected on area-specific basis and
should not be construed as a replacement to this work.
In general, a farmer draws ground water from following two types of irrigation wells :-
1. Dugwells
2. Shallow Tubewells/Borewells
The hydrogeology of the Indian Sub-continent is such that the above two types of structures are
invariably sited in the following geological formations.
a. Hard Rock Formations - Dugwells / Borewells
b. Alluvial Formations - Dugwells / Shallow Tubewells / Borewells
Some of the important parameters both in regard to type of formation as well as the type of well are
summarised below. An attempt has also been made to indicate the various States where these
formations and well designs are encountered.
TABLE I
Range of yield and Size of Existing Dugwells in India
Sr. Well Size Saturated Discharge States where encountered

No. thickness
Diameter Depth of (liters /sec)
(m) (m)
formation
(m)
I. HARD ROCK AREAS

1 3 to 4 20 to 6 to 8 4 to 6 Rajasthan, Gujarat
25
2 4 to 6 10 to 4 to 5 4 to 6 UP, MP, Orissa,
15 Bihar, Kerala
3 5 to 7 10 to 4 to 5 4 to 6 MP, AP, Tamil
20 Nadu, Karnataka,
Maharashtra
II. ALLUVIAL AREAS
4 2 to 3 20 to 6 to 8 5 to 6 Rajasthan, Gujarat
50
5 2 to 3 15 to 4 to 5 6 to 10 UP, Bihar, Orissa
30
TABLE II
Range of yield and Size of Existing Shallow
Tubewells in Alluvial Formations in India
Sr. Well Size Saturated Discharge States where encountered

No. thickness
Diameter Depth of aquifer (liters/sec)
tapped
(m) (m)
(m)
1 80 to 30 to 10 to 15 8 to 12 Punjab, Haryana,
100 45 Western UP
2 80 to 30 to 10 to 15 8 to 10 Eastern UP, Orissa,
100 45 Bihar, Assam
3 80 to 30 to 10 to 15 8 to 10 West Bengal
100 50
Suggested Well Dimensions
Along with the existing type of irrigation wells, it would be desirable to indicate the well dimensions that
would be appropriate for a given set of conditions existing in an area. For this purpose the most
important consideration is the type of water yielding strata encountered in a well. This is also called an
aquifer. For design purpose these water yielding strata have been grouped here into three categories as
below.
1. Excellent
2. Very Good
3. Good
The recommended design of irrigation wells for the above three categories of aquifers are given in
Tables III and IV both for Dugwells and Shallow Tubewells/Borewells.
TABLE III
Expected Yield and Size of Dugwells in
Hard Rock and Alluvial Areas
Sr. Type of Aquifer HydraulicConducti Well size Thicknes Average

No -vity s of Discharg
. Diamete Dept Aquifer e
(m/day) r h required
(liters /sec)
(m) (m)
(m)
I. HARD ROCK AREAS

Excellen 20 3 10 to 5 5
t 15
15 4 12 to 5 5
15
Very 12 5 10 to 5 5
Good 15
10 6 15 to 5 5
18
Good 8 6 12 to 5 4
20
II. ALLUVIAL AREAS
Excellen 40 2.5 10 to 4 8
t 15
Very 30 2.5 to 3 10 to 4 7
Good 15
Good 20 3.5 to 5 15 to 4 6
20
TABLE IV
Expected Yield and Size of Shallow Tubewells/Borewells
in Alluvial and Hard Rock Areas
Sr. Type of Aquifer Hydraulic Size of Well Thickness Average

No. Condu- of Aquifer Discharge
Diameter Depth required
ctivity (liters /sec)
(mm) (m)
(m)
(m/day)
I. ALLUVIAL AREAS
Excellent 40 80 to 100 30 10 8 to 12
Very 30 80 to 100 40 12 8 to 10
Good
Good 20 80 to 100 50 12 8 to 10
II. HARD ROCK AREAS
Excellent 20 80 to 100 45 10 to 15 6
Very 12 100 to 150 45 20 to 25 5
Good
Good 8 100 to 150 50 20 to 25 4
Agricultural Pump sets
A complete pumping system for lifting water for irrigation comprises of the following main components.
1. Centrifugal Pump (coupled or monobloc)
2. Prime Mover - Electric Motor or Spark Ignition Diesel Engine
3. Piping System - Suction and Delivery pipes
4. Foot Valve, Reflux Valve
5. Pipe Fittings (Bends and other Fittings)
All the above components constitute a pumping system. Each of the above components has to be
properly selected to match the field requirement. If any component is wrongly selected, it makes the
system inefficient. Thus, an efficient pumping system aims at maximum output at minimum capital and
operating cost. Proper selection of an agricultural pump set requires estimation of discharge and head
over which water is to be lifted. The discharge required depends on peak irrigation requirement of crops
grown in the command area of the well. Hydrogeological conditions should be such that this discharge is
available from the well. The total head comprises of maximum depth to water in the well, depression in
the water level during pumping and friction losses in the piping system and allied fittings, valves, etc.
Having estimated the maximum discharge and head over which water is to be lifted, a right pumping
system should be selected so that it works efficiently with minimum operating cost.
Guidelines given below would be helpful in selecting a centrifugal pump set for agricultural purposes.
Centrifugal pump sets normally operate at 440 volts 3 phase power supply and at an RPM of about
1500. These guidelines are meant for guidance of technical staff in the banks and other extension
workers for selecting a proper pumping system for a farmer.
Selection of Centrifugal Pump
The following are the main guidelines for selection of Centrifugal Pumps.
1. The Brake Horse Power (BHP) required for a pump can be calculated from the following
formula :
QxH
BHP = ---------
75 x e
Where Q = Discharge in liters per second
H = Total Head in meters (including friction losses)
e = Efficiency of the pump, as percentage
For belt drive pumps the BHP may be increased by about 10 percent.
2. The pump should be selected so as to have a maximum efficiency at the operating head likely
to be obtained during peak demand period. For example, if the duty condition of the system is
for a discharge of about 8 litres/sec at a total head of approximately 11.4 m then the centrifugal
pump for which the characteristic curves have been given in Fig. 2 will be ideally suited as the
same will have efficiency nearly at optimum level at the operating conditions. If, however, the
duty condition of the system demands a discharge of about 12 litres/sec at a total head of
about 11 m, this particular pump will not be suitable for the purpose as the pump will not give
the requisite discharge at that head and also its efficiency will be much lower than optimum. In
that case another suitable pump will have to be selected which will operate at optimum or near
optimum efficiency at the required duty condition of total head and discharge.
3. For the site conditions of head and discharge the centrifugal pump should have the minimum
efficiency of 43 percent as per the efficiency curves provided by Bureau of Indian Standards
(BIS) under IS-10804 (1994).
4. On practical considerations the vertical distance between the deepest water level at which the
pump would be required to operate and centre line of the pump should not be more than 5
metres.
5. The pump should have BIS certification conforming to IS - 6595 or IS - 9079 or IS-11501.
6. The pump which has a maximum efficiency for the head and discharge required at site should
be selected from a range of BIS marked pumps available in market. This criteria should over-
ride cost considerations.
7. Only those pumps for which genuine spare parts are readily available should be preferred.
8. Only those pumps for which after sales service is easily and effectively available should be
preferred.
9. The pumps which have reputation of giving efficient and trouble free service should be
preferred.
Selection of Electric Motor
1. Monobloc pump set should be preferred over coupled pump sets.
2. The BHP of the pump should match power output of the prime mover. However, for practical
considerations the BHP of the prime mover is always kept about 10 percent more than what is
theoretically required for the pump.
3. The efficiency of the motor as declared by the manufacturer should be considered. IS-10804
(1994) has provided the range of the following minimum efficiency ratings (Table V).
TABLE - V
Minimum Efficiency in percentage of Electric Motors for Centrifugal Pump sets
Motor Horizontal Centrifugal Pumps
Rating Speed ( 1200 to 2000 RPM ) Speed (2001 to 3600 RPM )
(kw) Single Phase Three Phase Single Phase Three Phase

0.37 56 - 54 -
0.75 66 - 63 -
1.1 70 76 68 73
1.5 72 77 70 74
2.2 - 77.5 - 75
3.7 - 80 - 79
5.5 - 82 - 80
7.5 - 83 - 81
9.3 - 85 - 81.5
11 - 85.5 - 82
15 - 86 - 83
4. The motor should have BIS certification conforming to IS - 7538.
5. The motor which has a maximum efficiency for a given BHP should be selected from a range of BIS
marked motors. This
criteria should over-ride cost considerations.
6. Motors for which genuine spare parts are easily available should be preferred.
7. Motors for which after sales service is easily available should be preferred.
8. Motors which have a reputation for giving efficient and trouble free service should be preferred.
9. An electric motor should always be provided with a starter and a capacitor matching the motor. In
general, for motors upto
3 HP a 1 KVAR capacitor should be used and for motors between 3 to 5 HP a 2 KVAR rating
capacitor should be used.
Selection of Diesel Engine
Where electric power is not available and a diesel engine is required to be used to run an agricultural
pump set, following guidelines should be used in selecting a diesel engine.
1. BHP of the diesel engine should be 10 percent more than the required BHP of the pump.
2. Specific Fuel Consumption (SFC) of the selected diesel engine should be as low as possible
and it should not exceed 188 gms/bhp/hour (252 gms/kwh) for diesel engines in RPM range
1000 to 2000 and 210.5 gms/bhp/hour (282 gms/kwh) for diesel engines in RPM above 2000.
The SFC is specified in terms of the diesel oil consumed in grams per BHP for one hour
operation of engine.
3. The diesel engine should have BIS certification conforming to IS-11170 or IS-7347.
4. The lubricating oil consumption of diesel engine should be about 1 percent by volume of diesel
oil consumed. Engines having low lubricating oil consumption should be preferred.
5. Engines for which spare parts are easily available should be preferred.
6. Engines for which after sales service is easily available should be preferred.
7. Engines which have a reputation of giving efficient and trouble free service should be preferred.
Selection of Suction and Delivery Pipes
Suction and delivery pipes for centrifugal pump sets are generally of either GI or RPVC. HDPE pipes
conforming to IS-4984 can also be used for suction and delivery pipes but are not normally preferred by
farmers.
1. The size of the suction and delivery pipes should be such that the friction head loss does not
exceed 10 percent of the equivalent length of piping system upto the delivery point.
2. The size of pipes on the suction and delivery side should be equal.
3. The pipes should be BIS marked conforming to IS-1239 (for GI pipes) and IS-4985 or IS-
12231 (for RPVC pipes).
4. Although the size of the suction and delivery pipes should be estimated from BIS Tables for
each individual case, the following table gives general guidelines for selection of G.I. and
RPVC pipes as per BIS standard. If the delivery offset distance is more than 3 m, then larger
pipe size may be used to reduce friction losses.
TABLE VI
Size of Suction and Delivery Pipes for Centrifugal Pump sets
Discharge Pipe Size (mm)
(lps) (Both Suction and Delivery Pipes)
Medium Grade GI Pipe (C = 140) RPVC Pipe (C = 150)

Nominal Pipe Inside Dia Nominal Pipe Inside Dia
Size Size
2 40 41.85 40 36.8
4 50 52.95 63 58.1
6 65 68.65 63 58.1
8 65 68.65 75 69.3
10 80 80.65 75 69.3
12 80 80.65 90 83.2
14 80 80.65 90 83.2
16 100 105.05 90 83.2
18 100 105.05 110 102
20 100 105.05 110 102
22 100 105.05 110 102
24 100 105.05 110 102
26 100 105.05 110 102
28 100 105.05 110 102
GI = Galvanised Iron RPVC = Rigid Poly-Vinyl Chloride C = Coefficient of friction.
Generally pipes are selected as per normal pipe size as given in the table.
Selection of Foot Valve
1. The size of the foot valve shall be equal to the size of the suction pipe.
2. Only BIS marked foot valves should be selected conforming to IS -10805.
3. The open area of the foot valve for entry of water should be about 2.5 times the cross sectional
area of the suction pipe to which it is attached.
Farmers' Guide for Selection of Agricultural Pump set
Detailed method of pump set selection necessarily requires a certain minimum expertise both with
respect to hydrogeology of the area and other hydraulic aspects for selection of pump, motor and
accessories. It has generally been observed that even the minimum technical guidance required for
selecting a proper pump set and its accessories is at present not available to farmers. Therefore, to
assist the farmers and field staff a Matrix for selection of pump set is given in Annexure I and II which
would serve as a ready reckoner. This matrix gives the diameter of suction and delivery pipes and the
BHP of motor under various conditions of total head and discharge. The total head includes the static
suction and delivery head, friction loss in pipes and other accessories and variation in head due to
lowered water level during the operation of the pump. Besides, in the matrix the nominal pump input has
been increased by 10 percent to take care of tolerance on pump efficiency and variation in duty
conditions. Further, minimum motor efficiency has also been considered in accordance with the motor
ratings. Parameters given in the matrix may not have general applicability under all conditions but these
would be useful in selecting proper size of pump set and its accessories. The size of pipes and BHP of
electric motor or diesel engine should be selected so as to be nearest to those indicated in the matrix
depending upon their market availability.
FINANCING OF AGRICULTURAL PUMP SET AS PER IS-10804 (1994)
Financing of agricultural pump sets involves, interalia, proper selection of different components of pump
set like electric motor or diesel engine, pump, foot valve, suction and delivery pipe, bends and joints etc.
To ensure that each of these components is of good quality and efficient, BIS has brought out a
Complete Pumping System Standard for selection of agricultural pump set and is covered under IS-
10804 (1994) which gives selection standards for each component.
The dealer or supplier of the pump set is expected to guide and assist farmer in proper selection and
installation of pump set depending on season wise water levels and discharge from the well, cropping
pattern and area under different crops and method of irrigation. It is always advantageous to select a
Monobloc Pump set than a Coupled one. National Bank's circular in regard to adherence of BIS-10804
by banks while financing for pump set is given in Annexure III.
Cost of Pumping System
Cost of pumping system is decided by the type of pump set i.e., electric motor or diesel engine, Horse
Power of pump set, diameter and length of suction and delivery pipes and other accessories. Centrifugal
pump set of 3-7.5 HP are adequate for normal irrigation conditions. To help farmers to receive the
pumping system at site and to utilise the services of the dealers, supplier or the village mechanic for
proper selection of the pump set on the well, cost of transport and installation could also be included in
the total cost of the pumping system for the purpose of bank loan.
Cost of pumping system varies with make and brand name. The farmer is free to select any BIS marked
pump set as per IS-10804 (1994) out of the various brands and makes available in the market. Cost of
pumping system also changes with time and has to be reviewed from time to time as is being done by
the Regional Unit Cost Committee of NABARD.
Average cost of centrifugal pump sets for agricultural use in the state shall be adopted for formulation of
the scheme. Notwithstanding these average costs financing banks are expected to finance the actual
cost of the pump set. National Bank has issued necessary circular to banks in this regard (Annexure-IV).
Loan for Pumping System
Depending upon the Horse Power, type and make of pump set, type of suction and delivery pipes
selected by the farmer, the cost of pumping system as quoted by the supplier is considered by the Bank.
The loan for purchase of pumping system is decided after allowing for farmer's own contribution or
margin money. NABARD has advised financing banks to consider actual cost of the pump set selected
by the farmer after allowing margin money and that the loan amount need not be restricted to average
unit cost of pump set for the District or the State. This would avoid under financing as well as borrowing
by farmer from other sources if the bank loan is inadequate.
Repayment Period
Serviceable life of pump set without much wear and tear and without much drop in efficiency is usually
considered as 9 years. Therefore, the loan repayment period is considered at 9 years. Since immediate
benefits start soon after installation and installation does not take longer time, no grace period is
considered for loan repayment. It is presumed that the loan for electric pump set is sanctioned by the
bank after ensuring that electric power supply is readily available so that the pump set financed by the
bank would be immediately energized and commissioned.
Economics
Economics of financing of pumping system are worked out based on average command area, cropping
pattern and average cost of pumping system. This is given in Annexure V. These are only indicative and
for guidance. The economics have to be worked out in individual cases. Financial analysis shows that
availment of pump set loan for agricultural purpose is a viable proposal.
Subsidy
As applicable from time to time.
Rate of Interest
As applicable from time to time.
Maintenance And Repairs of Centrifugal Pump sets
Breakdown of pumping system during irrigation specially at critical crop growth stage results in great
loss to farmer. To avoid such a breakdown, it is necessary to attend to regular upkeep and maintenance
of the pumping system. Following are some of the important points that should be observed for smooth
operation of the equipment :-
1. Pump and motor/diesel engine should be in perfect alignment to avoid extra load on bearings
that damages impeller and couplings.
2. Suction and delivery pipes should be self supporting. Adding weight to pipes damages casing
of the pump.
3. Gland packing should be periodically replaced. Do not tighten the gland packing more than
necessary.
4. Check oil levels. Do not run the electric motor when the voltage is below 370 volts and electric
supply is receivable from a single or two phases for three phase motor.
Despite regular maintenance, the pump set might develop some trouble. Common troubles encountered
and their probable causes and remedies are given in Table VII :-
TABLE VII
Common Troubles in Operation of Centrifugal Pump sets,
Its Causes and Remedies
Trouble Causes Remedies

1 2 3
Difficulty in Faulty fuel injection Check fuel injection
starting the nozzle. nozzle
diesel engine Air in fuel pipe On operating the plunger
pump set it should give a peculiar
squeaking noise
Engine starts Faulty fuel supply Tighten fuel connection
but fires Fuel filter choked Replace the parts
intermittently
or stops
Overheating Overloading of Avoid overloading
of diesel engine Check oil level
engine Lubricating oil
faulty
Motor starts Broken circuit in Repair circuit in the
jerking when starter starter
starter is Alignment of motor Replace foundation bolts
switched on is not proper properly
Belt is not properly Rejoin belt properly
joined Change bearings
Damaged bearings
Motor gets Low voltage Stop motor and wait till
heated Starter winding may proper voltage is restored
be wrongly Change connection
connected Change bearings and
Motor bearings lubricate them
improperly
lubricated or
damaged
Knocking or Ball bearings may Clean bearings and put
strapping be contaminated fresh grease
noise Worn out bearings Replace bearings
Engine Worn out cylinder Check and replace
consumes and piston rings wornout rings
more oil
Exhaust Engine operating at Control speed with
smoke is high speed governor
dark/ blue Mobil oil leaks in Control flow of mobil oil

combustion
chamber
Further Guidance
The Regional Office of NABARD in the State could be contacted for any further advice and guidance for
formulation of schemes for financing of agricultural pump set etc.
Annexure - I
MATRIX FOR SELECTION OF AGRICULTURAL PUMPING SYSTEM
CONFORMING TO IS-10804 (1994)
(with RPVC pipes)
Pipe Static Head

Size (m)
(Nomi
nal)
Sucti
on/
S
Disch Deliv
r.
arge ery
N
(lps) RPVC
o.
-
Class
-III
C=15
0
(mm)
6 8 1 12 14 16 18 20 22 24 26 28 30 32 34 36
0
1 4 63 1 1. 2 2 3 3 5 5 5 - - - - - - -
5
2 6 63 1. 2 3 3 5 5 5 5 7. 7. 7. 7. 10 10 10 10
5 5 5 5 5
3 8 75 2 3 3 5 5 5 7. 7. 7. 7. 10 10 10 10 12 12
5 5 5 5 .5 .5
4 10 75 3 3 5 5 5 7. 7. 7. 10 10 10 12 12 12 15 15
5 5 5 .5 .5 .5
5 12 90 3 5 5 5 7. 7. 7. 10 10 10 12 12 12 15 15 15
5 5 5 .5 .5 .5
6 14 90 3 5 5 7. 7. 7. 10 10 10 12 12 15 15 15 20 20
5 5 5 .5 .5
7 16 90 5 5 7. 7. 7. 10 10 12 12 12 15 15 20 20 20 20
5 5 5 .5 .5 .5
8 18 110 5 5 7. 7. 7. 10 10 12 12 12 15 15 20 20 20 20
5 5 5 .5 .5 .5
9 20 110 5 5 7. 7. 10 10 12 12 12 15 15 20 20 20 20 25
5 5 .5 .5 .5
1 22 110 5 7. 7. 7. 10 10 12 12 15 15 20 20 20 20 25 25
0 5 5 5 .5 .5
1 24 110 5 7. 7. 10 10 12 12 15 15 20 20 20 20 25 25 25
1 5 5 .5 .5
1 26 110 7. 7. 1 10 12 12 15 15 20 20 20 25 25 25 30 30
2 5 5 0 .5 .5
1 28 110 7. 7. 1 12 12 15 15 20 20 20 25 25 25 30 30 30
3 5 5 0 .5 .5
Notes :
1. For computing HP, total head is considered as sum of total static head, friction losses in pipes,
fittings, foot valve and discharge velocity head. While computing friction losses an additional
pipe length of 10 m is considered over and above the pipe length equivalent to static head to
take into account submergence of suction pipe (1 m), offset pipe length of suction and delivery
side (5 m) and 2 bends (4m equivalent pipe length).
2. Class 3 RPVC pipes considered with C = 150.
3. For offset pipe line (more than 5 m) and additonal fittings in the system, frictional losses are to
be added over and above total head.
4. Matrix restricted for head & discharge for which minimum pump efficiency values are available
(Speed 1200-2000 RPM).
Annexure- II
MATRIX FOR SELECTION OF AGRICULTURAL PUMPING SYSTEM CONFORMING TO IS-10804

(1994)
(with GI pipes)
Sr Dis- Pipe Size Static Head

. (Nominal)
char Suction/D (m)
N ge elivery
o. Galvanise 6 8 1 12 14 16 18 20 22 24 26 28 30 32 34 36
d Steel 0
(lps)
Medium
Series
C=140
(mm)
1 4 50 1 1. 2 3 3 3 5 5 5 - - - - - - -
5
2 6 65 1. 2 3 3 5 5 5 5 7. 7. 7. 7. 7. 10 10 10
5 5 5 5 5 5
3 8 65 2 3 3 5 5 5 7. 7. 7. 7. 10 10 10 10 12 12
5 5 5 5 .5 .5
4 10 80 2 3 5 5 5 7. 7. 7. 10 10 10 10 12 12 12 15
5 5 5 .5 .5 .5
5 12 80 3 5 5 5 7. 7. 7. 10 10 10 12 12 12 15 15 15
5 5 5 .5 .5 .5
6 14 80 3 5 5 7. 7. 7. 10 10 10 12 12 15 15 15 20 20
5 5 5 .5 .5
7 16 100 3 5 5 7. 7. 7. 10 10 12 12 12 15 15 20 20 20
5 5 5 .5 .5 .5
8 18 100 5 5 7. 7. 7. 10 10 12 12 12 15 15 20 20 20 20
5 5 5 .5 .5 .5
9 20 100 5 5 7. 7. 10 10 12 12 12 15 15 20 20 20 20 25
5 5 .5 .5 .5
1 22 100 5 7. 7. 7. 10 10 12 12 15 15 20 20 20 20 25 25
0 5 5 5 .5 .5
1 24 100 5 7. 7. 10 10 12 12 15 15 20 20 20 20 25 25 25
1 5 5 .5 .5
1 26 100 7. 7. 1 10 12 12 15 15 20 20 20 25 25 25 30 30
2 5 5 0 .5 .5
1 28 100 7. 7. 1 12 12 15 15 20 20 20 25 25 25 30 30 30
3 5 5 0 .5 .5
Notes :
1. For computing HP, total head is considered as sum of total static head, friction losses in pipes,
foot valve and discharge velocity head. While computing fricitonal losses an additional pipe
length of 10 m is considered over and above pipe length equivalent to static head to take into
account submergence of suction pipe (1 m), offset pipe length of suction and delivery side (5
m) and 2 bends (4 m equivalent pipe length).
2. New medium series galvanised MS pipes are considered with C = 140.
3. For offset pipe line (more than 5 m) and additional fittings in the system, frictional lossess are
to be added over and above the total head.
4. Matrix restricted for head and discharge for which minimum pump efficiency values are
available (Speed 1200-2000 RPM).
Annexure III
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
Shiv Sagar Estate, 1st floor, Sterling Centre Dr.A.B.Road, Worli, Mumbai - 400 018.
Ref.No.:NB.ICD/513/PPS.113/1997-98
12 November 1997
The Chairman/Managing Director
All Scheduled Commercial Banks
All Regional Rural Banks
All State Co-operative Banks
All State Co-operative Agriculture
and Rural Development Banks
Dear Sir,
Automatic refinance Facility for activities under Farm Sector
- Quality Control of Agricultural Pump sets
Please refer to our letter No.NB/ICD/2566/PPS. 113/94-95 dated 09 March 1995 advising introduction of
Automatic Refinance Facility (ARF) for traditional activities under Farm Sector. The ARF was introduced
primarily to simplify the procedure for drawal of refinance but the banks have to observe all the basic
norms of project lending while financing investments under ARF (FS) and ensure that durable and
quality assets are acquired by the ultimate borrowers. It is observed that after introduction of ARF(FS),
the banks have not been submitting along with drawal application, certificate to NABARD to the effect
that the irrigation pump sets financed by them under MI conform to IS-10804 specifications.
2. As you are aware, a large number of power/diesel/kerosene pump sets are being used for irrigation
purpose. It is necessary to encourage use of pumping mechanism to bring new areas under irrigation
but there is an imperative need to conserve energy through quality control and efficient use of the
pumping systems. To achieve this, the farmers have to be encouraged to use only BIS marked pump
sets and other components of quality pumping systems and to maintain the pumps at optimum efficiency
level. The banks may, therefore, finance only BIS marked pumping systems.
3. We shall be glad if you please advise all your branches including controlling offices to ensure
financing of BIS marked pump sets and furnish a certificate with each drawal application claiming
refinance from NABARD against loans disbursed for irrigation pump sets, the format of which is given in
Annexure.
Please acknowledge receipt.
Yours faithfully
( N. Raghavan )
Format - I
Format of certificate to be furnished by the dealer
of the pumping equipments to the financing bank
Name and address : M/s.
of the dealer
To
____________________ Bank
Dear Sir
We hereby certify that we have on ______ (date) installed a Complete Pumping System conforming to
IS-10804 (1994) at the well of Shri/Smt. _________________________________
___________________________ (Name and address of the borrower). The pumping system installed
by us conforms to BIS standard IS-10804 (1994) except in regard to foot-valve.
Yours faithfully
( Signature of the dealer)
Format - II
Format of certificate to be furnished by
the financing banks to the National Bank
while submitting drawal applications
To
The Managing Director
National Bank for Agriculture
and Rural Development
Dear Sir
We hereby certify that the pump sets covered under this drawal application have been installed in
accordance with IS-10804 (1994) prescribed by the Bureau of Indian Standards for a Complete
Pumping System.
Yours faithfully
(Signature of the Officer )

Name and Designation
Annexure IV
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
Shiv Sagar Estate, 1st floor
Sterling Centre, Dr.A.B.Road
Worli, Mumbai - 400 018.
Ref.No.:NB.ICD/1354/PPS.8/1999-2000
31 December 1999
The Chairman/Managing Director
All Participating Banks
(CBs/RRBs/SCARDBs/SCBs)
Dear Sir
Schematic Lending - Unit Costs
of items of investments approved
by National Bank
Please refer to our circular letter No.NB.DPD.FS/3602/IRDP-4/1994-95 dated 14 February 1995 on the
above subject (copy enclosed for ready reference). It may please be observed therefrom that the unit
cost as approved by NABARD may be treated as indicative cost only and banks are at liberty to vary the
cost wherever necessary, to any extent, depending upon the local conditions and merits of each case.
Despite clear instructions in this regard, it has been brought to our notice during the
seminars/workshops conducted by us in the case of development of minor irrigation projects as well as
in certain other form participated by NABARD that the banks still follow rigidly the unit costs as approved
by NABARD for various investments. It is once again reiterated that the unit costs approved by
NABARD are only indicative costs and banks may evolve a mechanism under which they may ensure
that the borrower is able to acquire the quality asset with the loan amount, subject to the generation of
adequate repaying capacity and other relevant factors. Accordingly, you may kindly issue instructions to
all the operating units in this regard.
Kindly acknowledge receipt.
Yours faithfully
( K. G. SHASTRY )
Chief General Manager
Annexure V
FINANCIAL ANALYSIS OF AGRICULTURAL PUMP SETS
Assumptions
1. Location : Wardha Dist., Maharashtra
2. Command Area : 1.2 ha
3. Type of Pump set : Diesel Pump set
4. Horse Power of Pump set : 5 HP
5. Cost of Pump set : Rs.15,500/- including cost of transportation and installation
6. Cost of operation per year : Rs.13,478/-
(including maintenance)
A. Pre Development Income
Sr. Crop Area Yield Price Gross Cost of Total Net

Value of Culti- Cost of Income
No. (ha) (Qntl./ha) (Rs./Qntl.) Produ- culti-
vation (Rs.)
ction vation
(Rs./ha)
(Rs.) (Rs.)
Bajra
1 0.8 25 550 11,000 4,200 3,360 7,640
(HYV)
Cotton
2 0.4 18 1,550 11,160 10,000 4,000 7,160
(HYV)
Wheat
3 0.4 30 750 9,000 9,000 3,600 5,400
(HYV)
Gram
4 0.2 24 1,200 5,760 8,500 1,700 4,060
(HYV)
Total 36,920 12,660 24,260
Less :
Land Revenue @ Rs.50/- ha : Rs. 60/-
Interest on Short Term Loan : Rs. 3,125/-
Operation & Maintenance cost
(A pair of bullock, mhot

@ Rs.25/- per day) : Rs. 9,125/-
Total : Rs.12,310/-
Net Surplus : Rs.11,950/-
B. Post Development Income
Sr. Crop Area Yield Price Gross Cost of Total Net

Value Culti- Cost of Income
No. (ha) (Qntl./ (Rs./ of culti-
Produ- vation (Rs.)
ha) Qntl.) vation
ction (Rs./ha)
(Rs.)
(Rs.)
1 Jowar (HYV) 0.8 30 700 16,800 6,200 4,960 11,840

2 Cotton (HYV) 0.4 20 1,550 12,400 10,000 4,000 8,400
3 Wheat(HYV) 0.6 35 750 15,750 9,000 5,400 10,350
4 Vegetables 0.2 185 250 9,250 9,250 5,000 4,250
Total 2 270 3,250 54,200 19,360 34,840
Less :
Land Revenue @Rs.50/ha : Rs. 60/-
Interest on Short Term Loan : Rs. 5,000/-
Net Surplus : Rs.29,780/-
Incremental Income : Rs.17,830/-
Internal Rate of Return
Assumptions
1. Economic life of Pump set : 9 years
2. Full income from investment from the first year onwards
3. No delay in energisation of pump set
4. Investment is assumed in zero year
Cash Flow Statement
(Rs.)
Particulars Year Year Year Year Year Year Year Year Year Year
0 1 2 3 4 5 6 7 8 9
A. CASH
OUTFLO
W
(i) Capital 15,50 - - - - - - - - -

Cost 0
(ii)Recurrin 13,09 13,09 13,09 13,09 13,09 13,09 13,09 13,09 13,09
g 0 0 0 0 0 0 0 0 0
Cost 388 388 388 388 388 388 388 388 388
a)Cost of
-
fuel
-
b)Mainte-
nance
of PS
Total Cash 15,50 13,47 13,47 13,47 13,47 13,47 13,47 13,47 13,47 13,47
Outflow 0 8 8 8 8 8 8 8 8 8
B. CASH
INFLOW
Increment 17,83 17,83 17,83 17,83 17,83 17,83 17,83 17,83 17,83
-
al Benefit 0 0 0 0 0 0 0 0 0
Net -
Benefit 15,50 4,352 4,352 4,352 4,352 4,352 4,352 4,352 4,352 4,352
0
NPW @15% : 4579.1
IRR : 24.04%

Bankable Project Report For Setting Up Agricultural Pump Sets

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Bankable Project Report For Setting Up Agricultural Pump Sets

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Bankable project report for setting up agricultural pump sets.

Bankable project report for setting up agricultural pump sets

FINANCING OF AGRICULTURAL PUMP SETS

1. Cost of Pumping System

1. Matrix for Selection of Agricultural Pump sets - with RPVC Pipes

SELECTION AND FINANCING OF AGRICULTURAL PUMP SETS

Minor Irrigation Units

Existing Well Practices

a. Hard Rock Formations - Dugwells / Borewells

b. Alluvial Formations - Dugwells / Shallow Tubewells / Borewells

Range of yield and Size of Existing Dugwells in India

Sr. Well Size Saturated Discharge States where encountered

I. HARD ROCK AREAS

Range of yield and Size of Existing Shallow

Tubewells in Alluvial Formations in India

Sr. Well Size Saturated Discharge States where encountered

Suggested Well Dimensions

Expected Yield and Size of Dugwells in

Hard Rock and Alluvial Areas

Sr. Type of Aquifer HydraulicConducti Well size Thicknes Average

I. HARD ROCK AREAS

Expected Yield and Size of Shallow Tubewells/Borewells

in Alluvial and Hard Rock Areas

Sr. Type of Aquifer Hydraulic Size of Well Thickness Average

Agricultural Pump sets

1. Centrifugal Pump (coupled or monobloc)

2. Prime Mover - Electric Motor or Spark Ignition Diesel Engine

3. Piping System - Suction and Delivery pipes

4. Foot Valve, Reflux Valve

5. Pipe Fittings (Bends and other Fittings)

Selection of Centrifugal Pump

Where Q = Discharge in liters per second

H = Total Head in meters (including friction losses)

e = Efficiency of the pump, as percentage

1. Monobloc pump set should be preferred over coupled pump sets.

Minimum Efficiency in percentage of Electric Motors for Centrifugal Pump sets

Motor Horizontal Centrifugal Pumps

Rating Speed ( 1200 to 2000 RPM ) Speed (2001 to 3600 RPM )

(kw) Single Phase Three Phase Single Phase Three Phase

4. The motor should have BIS certification conforming to IS - 7538.

Selection of Diesel Engine

Selection of Suction and Delivery Pipes

Size of Suction and Delivery Pipes for Centrifugal Pump sets

Discharge Pipe Size (mm)

(lps) (Both Suction and Delivery Pipes)

Medium Grade GI Pipe (C = 140) RPVC Pipe (C = 150)

GI = Galvanised Iron RPVC = Rigid Poly-Vinyl Chloride C = Coefficient of friction.

Selection of Foot Valve

Farmers' Guide for Selection of Agricultural Pump set

FINANCING OF AGRICULTURAL PUMP SET AS PER IS-10804 (1994)

Cost of Pumping System

Loan for Pumping System

As applicable from time to time.

As applicable from time to time.

Maintenance And Repairs of Centrifugal Pump sets

Common Troubles in Operation of Centrifugal Pump sets,

Its Causes and Remedies

Trouble Causes Remedies

dark/ blue Mobil oil leaks in Control flow of mobil oil

MATRIX FOR SELECTION OF AGRICULTURAL PUMPING SYSTEM

CONFORMING TO IS-10804 (1994)

(with RPVC pipes)

Pipe Static Head