_ - i PROJECT REPORT CASHEW PROCESSING NAVIKA CASHEW PROCESSING UNIT Prop : Mr. Gaurav Rajaram Mavlankar.ye Project Report Project Name - Navika Cashew Processing Unit. Project Place - 214, Kadshi, Mopa, Pernem, N. Goa 403512. Contact No - 9423312473, 9146494333 Project Type : Establishment of cashew Processing Unit under “ Rashtriya Krishi Vikas Yojana “ Proprietor : Shri. Gaurav Rajaram Mavlankar. Date Of Birth : 4"" March 1987 Education : Diploma in Agriculture. Address : 214, Kadshi, Mopa, Pernem, N. Goa 403512. Loan Demand : 1. Term Loan - Rs. 35,80,000/- 2. Cash Credit - Rs. 5,00,000/- Total Loan Demand : Rs. 40,80,000/-1) Context-Cashew is one of the most sought after nuts among dry fruits obtained from an exotic tree species. The commercial cultivation of cashew is taken up mainly in eight states in India namely Andhra Pradesh, Goa, Kerala, Karnataka, Orissa, Maharashtra, Gujarat and Tamil Nadu, The current production in India accounts for 19.46 per cent of global production. Cashew nut is formed outside the fleshy fruit known as cashew apple. At the time of maturity, the cashew apple along with seed falls down on the ground. These are collected and processed to get cashew nut. The cashew apple being fleshy and sweet in taste is used to prepare a fermented fruit drink known as Feni. Kerala is the leading state in processing of cashew. More than two third of cashew processing units are in Kerala, whereas remaining are scattered in the other states. These units together have processing capacity of more than 8 lakh tons per annum. The seeds are separated from cashew apple and dried in the sun for 4-5 days. The dried raw cashew seeds are processed to cashew nut for marketing. In India, processing of cashew is manual and highly labour intensive process. The cashew industry is highly unorganized and scattered. Women constitute almost 90 per cent of labour force in cashew industry. Mechanization in cashew processing is picking up slowly. The applicant is a wll known agriculturist and having a total area of 2.8 Ha and approx. 25 ha land in the name of my family, in the state of Goa. Approx. 200 acres land has been taken on lease in the state of Maharasthra. The Entire property is under cashew plantation. Approx. 150 tons of raw cashew nuts is produced from this area Location of Project-My Project is established at my village Mopa is so much close and convenient for the transportation for raw material places and market places like Mapusa, Banda & Pernem.Upcoming Mopa Airport is in same Village. 2) Problems to be addressed- The annual production of raw cashewnuts from me and my family cashew plantation is approx. 150 MT, and cashew apple produced is approx. 600 MT. The raw cashew nuts are purchased by cashew processors at very low price, as we do not have any other option, we have to sell the raw cashew nuts as per the market price. Same cashew nuts if processed and sold could fetch much higher price and profit. Also as the cashew blooms and fruits only during particular season, the labours are required only during particular months of the year for the purpose of harvesting, plant protection practices, weed clearing. Rest of the year the labourers remain idle without any work. _/) Aisns_and_oblectives: ‘the main aim would be higher profitability and generating employment to the local people in the village. It is not possible to consume raw cashew and cashew apple. Therefore, both of them need processing before consumption, Raw cashews are processed to cashew nuts, which is one the famous dry fruits. These are consumed directly or converted to variety of products like salted cashew nuts, Kaju Burfi, cashew curries etc. Cashew apple pulp rich in carbohydratesis converted to beverages and famous fermented product known as Feni. Another important by product of cashew industry is cashew nut shell liquid (CNSL) which is produced from cashew shells.4 wht 4) 5) 6) CNSL has multiple uses in paint industry.5.0 Market Potential the demand for cashew nut is gradually increasing, whereas its supply is limited. India is leading producer, processor, consumer and exporter of cashew nuts in the world. tt is one of the important agricultural commodities exported from India to many countries in the world. The market potential of cashew kernel is described as under: Domestic Market Cashew nut cultivation is limited to coastal areas. But there is very high demand for cashew nut and its products from all parts of the country, The demand for cashew nut outstrips production. It is consumed by almost every household, but due to its high price it is beyond the reach of low Tung population. 150 Mt of raw cashew nuts will be processed annually. Also employment will be generated to local people for processing steps, such as These are used in many sweet preparations, certain Farsan items, dessert preparations and ice-creams. The demand for cashew nut increases during festive occasions such as Diwali,Ramajan, Janmastami etc. Strategy The process of manufacture is well-established. Raw cashew nut are dried in sun and stored in gunny bags. The stored raw cashews are boiled by using steam in a boiler. There are manufacturers of small scale boilers available for boiling of cashew nut in most of the cashew processing areas, The boiling helps in softening of cashew shell. It becomes easy to remove nut inside cashew seed after boiling. The shell of steamed cashew nut is removed by skilled labour by using cashew cutting hand operated equipments. The cashew shell is used to extract cashew nut shell liquid (CNSL), which is an important by-product of cashew industry. The cashew kemels obtained are dried in a cabinet dryer. The outer reddish skin known as testa, is removed to obtain cashew nut after drying. Actual recovery of cashew nut is around 30 per cent, whereas 50per cent account for shell and remaining 20per cent is process loss. Cashew nut is graded on the basis of the colour and on how the kemel is broken. The grading of cashew as per Agmark standards is available. Approx. 100 Mt of raw cashew will be processed and same will be marketed directly by Navika Cashew Processing unit and through other retailers. Target Beneficiaries: The project is aimed to increase the profitability of the farmer, setting an example to the other farmers that if farmers starts their own processing unit, and also to motivate for cashew production, farming can be more beneficial than selling raw produce. Employment would be generated for local youth, 20 number of local youth and women will be employed for day to day work of processing unit. Management. The whole project will be managed by the applicant and his family. The applicant who is having Diploma in Agriculture, has vast knowledge and experience in the field of Agriculture processing unit. Also the father of the applicant, a renowned farmer in Goa, Shri. Rajaram Mavalankar, recipient of Krishi Vibushan Award from State Government towards his contribution in the field of Agriculture especially in Cashew Cultivation will be chief consultant in this project. Dr. Divakar Mavlankar, Veterinary Doctor, willbe the project manager. Also 20 number of local youths and women will be hired for day to day processing work. 7) Einance/Time fram/Cost benefit Analysis -Detail report is placed in the file. 8) Risk Analysis- The risk towards procurement of raw material is very low as the applicant himself produces 150 Mt of raw Cashew nuts yearly, with capacity of project to handle 100 Mt of raw cashew yearly. Also if required the applicant can procure the additional raw cashew nuts from the nearby villages as, most of the farmers in vicinity are cashew growers. Also risk for shortage is minimum, as the applicant already has 100 numbers of labourers working in his cashew garden, same can be trained and utilized for cashew processing unit. Qutcome- The project will a major boost to the economics of the farmer. As the farmer will be selling the processed cashew nuts at much higher rate with high profit. Also the unit will be beneficial to the locals, as employment will be generated to them. The famers in the vicinity will also be benefitted as ready market will be available to them. The applicant with his family, with higher returns will go for cultivation of additional area under cashew. 10) Evaluation: The evaluation will be done by the expert in the field after the completion of the project. After analyzing mentioned things you can determine the scope and profitability of my business. So | request you to issued me the said loan and help me for Growth to my business, than | giving you assurance that | will repay your loan in time JA Pere [ Gaurav Rajaram Maviankar | 9)wae Navika Cashew Processing Unit Prop:- Shri. Gaurav Rajaram Mavlankar 214, Kadshi, Mopa, Pernem, Goa - 403512 Economics Of Project Sr.no. Particulers Amount ‘Amount | Applications Of Fund 1|Machinery 1601300.00 |(Quatation Attached) 2|Building 2550000.00 3|Working Capital Required 500000.00 4] Other Assets 450000.00 \(Furniture, Fixture & Computer) Total 5101300.00. \Sources Of Ft 1 |Loan From Bank Term Loan 3580000.00 Cash Credit 4080000.00 2 | Self Contribution 1021300.00 Total ‘5101300.00 hbo Shri. Gaurav Rajaram Mavlankar (Proprietor)Navika Cashew Processing Unit Prop:- Shri. Gaurav Rajaram Maviankar 214, Kadshi, Mopa, Pernem, Goa - 403512 ‘Statement Showing Verious Kind Of Expenses Years Particulars i 2 4 = [Manufacturing Exp. ia 1 i 18.76; 20.50 22.33) Electricity Charges 2.12) 257 2.96 | Fuel & Other [_ 4.08 4,39 461 Transport Charges 2.45 2.70| 2.84 jOther Consumables 1.90; 1.997 Packing Chagres 7 Total Bi2i 31.92 34.58" 37.50) 4 Travelling For Sales t 1.16 1.27 a 161 Printing & Stationery i L 1.01 Li : 141 “lephone & Courier 0.72 0.79 0.87| 0.99 isurAnce 0.13 0.15 0.16 0.18 |Office Expenses 0.81 0.90 | 0.98 1.13 i Total 3.487 3.83, 421 463) 5.33, Plant & Machinery 115% Other Current Assets ("10% Building | 10% a lt [interest On Term Loan 10.7% | — Working Capital 10.7% Sn a Mbbee Shri, Gourav Rajaram Mavlankar (Proprietor)iorayidosd) sDyUEAOW wosfoy nBINDS "LYS STORET 8802k —6STEE —6z ZF £P'06 ECESEFILL4 | Sooo Pee Spee _(me4 10 %Z8) are we Feues JO S2re5| Tozee SEE 208 86 OFoLE "OH [zee 5 a ‘epenn| POT %or ‘uaeeg| 9092 SE ead lebeer ‘402 225 1 OFOZT 08697 382 59005 TS1H [oo Be eeeeeeeeee a Teeter 7 (sib9e7 a=8)| 00'¢9 05's 005 056 00s ‘By/00K 40 1ey 00069 | 00585 ‘o00rs | o0s6r ‘oo0se 7 ___ Auto S28L SCIEL 0529 S'2819 ‘s29s “oy ur TBEGES DUTTETSA| 02 9 9609 5S 05 Hee £ £ £ z zr se8k Suara eg 54 osztor 1894 48d Sy oserr nuoH 12 51 ost 40g 42d TOTTI MPRA TTD TOME YE BE_—TO SIT VO TOETMITED| I ‘SSSUISNG JO TAISIOY SSOTD BUTMOUS TUSUIBIETS ZISEDr = B05 “wisiiag ‘odow ‘uspoy ‘p1Z J0yUDPOWW wDLOfoy AOINOD “Ys -:dod yun Buyssa901g maysea DYIAON Fal‘Navika Cashew Processing Unit ‘ Prop:- Shri. Gaurav Rajaram Mavlankar 214, Kadshi, Mopa, Pernem, Goa - 403512 Profitability Statement (Rs. in Lakhs ) Years Particulers 1 2 3 4 5 \Sales 90.47 102.29 111.59 120.88 130.18 |Add: Closing Stock 9.05 10.23 11.16 12,09 13.02 Total “A” 99.51 112.52 122.74 132.97 143.20 Expenditure lOpening Stock 0.00 9.05 10.23 11.16 12.09 Purchase Of Raw Material 45.00 49.50 54.00 58.50 63.00 Manufacturing Exp. 31.21 31.92 34.58 37.50 40.37 FYrerai 76.21 90.47 98.81 107.16 115.46 [Gross Profit (A-BJ=C 23.30 22.04 23.93 25.82 27.74 |Selling & Admin. Exp. 3.48 3.83 4.21 4.63 5.33 Financial Exp. 4.37 2.18 177 1.36 0.95 Derpreciation 2.85) 2.45 | 2.10 1.80 155 —+ Total “D” 10.70 8.46 8.08 7.79 7.82 [Net Profit (C-D)=E 12.61 13.59 15.85 18.02 19.92 TAX 1.06 116 1.39 1.60 1.79 Net Profit After Tax 11.55 1243 14.47 16.42 18.13 |Add : Depreciation 2.85 2.45 2.10 1.80 155 Fund Available 14.40 14.88 18.22 19.67 Loan Repayment 7.16 3.85 3.85) 3.85 3.85 [Fund Available (Re-Invest) Shri. Gaurav Rajaram Maviankar (Proprietor)Se . ‘Navika Cashew Processing Unit Prop: Shri. Gaurav Rajaram Maviankar 214, Kadshi, Mopo, Pernem, Goa - 403512 Projected Balance Sheet (Rs. in Lakhs ) YEARS lOpening INet Profit After Tax Balance Of Term Loan a Bal OF WCL : | : 33.64, 16.551 12.70 8.85 5.00 t r Total Credit 49.89 42.32 49.54 [Fixed Assets | Total Assets _ i a 31.70 |Current Assets a |Other Current Assets _ 9.28 ( With Debtors & Advances ) |Cash & Bank Balance 8.56 Total Debit Shri. Gaurav Rajaram Mavionkar (Proprietor)‘Navika Cashew Processing Unit Prop:- Shri. Gaurav Rajaram Maviankar 214, Kadshi, Mopa, Pernem, Goa - 403512 interest Chart Term Loan Year Loan Principal Balance [interest @ 10.70% Repayment 1 (3580000 716000 2864000 383060 1099060 [Subsidy @ 40% 2040520 2 1539480 384870 1154610| —=s=s164724| «549594 3 1154610 384870 769740 123543 508413 4 769740| _—=—«=384870| 82362 467232 5 384870 41181 426051, [Cash Credit Yeor Loan’ interest @ 10.7% 1 500000 53500 2 500000 53500 3 500000 53500 4 500000 ‘53500 5 500000 53500 Shri, Gaurav Rajaram Maviankar (Proprietor)‘Navika Cashew Processing Unit Prop:- Shri. Gaurav Rajaram Maviankar 214, Kadshi, Mopa, Pernem, Goa - 403512, Fixed Assets Shedule Years Particulars | Rate of Dep. [Opening Balance | Depreciation | Closing Balance (Machinery 7 1 1 7 15% | 1601300 240195. 1361105 2 15% 1361105 204166 1156939 3) 15% 1156939 173541 983398 4) 15% 983398 147510 835889 5 | 15% 835889 125383 710505 + i T ‘Other Assets _ _ (Furniture, Fixture & Computer) —_ feet 1 + 10% | 450000 | 45000 4405000 2 10%) 405000 40500 364500 3 | 10% _ 364500 36450 328050 4 _ 10% —~328050)_—=«3280S, ~—=—=«295245 5 10% 295245 | 29525 265721 —— } "(Building | a 1 i 10% 2550000 255000 2295000 | 2\_ | __10% 2295000 229500 2065500 3 10% | 2065500 206550 1858950] 4 4 10% | 1858950 | 185895 "1673055 5 10% 1673055 167306 1505750 Abb ge Shri, Gaurav Rajaram Maviankar (Proprietor) aeae t a aR We Directorate of Agriculture,Goa sae aca FARMER DETAILS + OBC Name : Gauray Rajaram Mavlankar Application Date: 04-Aug-2014 Category: OB Repisradon No PERa7664 AckNo |; RERIREGONSEo gm Application No : APPPER140804-1525. AC Beeyeas Address 2 214 KADSHIWADA, 403512 aed $Eb pel Village Mopa District + North Gos Age 7 Date of irth | 04-Mar-1987 Marital Status: SINGLE : Gender MALE Religion 2 HINDU __GONTACT DETAILS Mobile. Landline No. Email 1D. Alt Mobile No. a DETAILS 7 PAN No ; 1 XXXKKTOSL adh N Kissan CreditNo: = = Ration Card No. — ; APL/PER/23/34/MOP_ Aadhar Enrolment No: '118/00120/17025 7 aoe BANK DETAILS pee eect He BankName THE GOASTATE CO-OPERATIVEBANK BranchName 7 PATRADEVI Account No 2160 ics cpieitaenh et IFSC/MICR code — ; YESBOGSCB45/403415033 mF FAMILY DETAILS: zs e - Father Name + Rajaram Yeshwant Mavlankar Mother Name ‘Rajeshree Rajaram Mavlankar NOMINEE DETAILS ce Bank Name 1 CENTRAL BANK OF INDIA Branch Name: MOPA Account No ‘XXXXXO122 Nominee Name: Rajsram Yeshwant Maviankar Relation with IeSc/MICR os ECS code(ifany) :~- Farmer; SON tone _ ChINNOzEz644/403016009 LAND DETAILS FEE 7 Taluka Vi Sur SubTotal Clt farmer owner ; land land cropbetals /Town No No area area jarea (Ship owned cog (sa (Sq (8a [type ype | Bas Ee Perens Rope 2 63216 63226” 13871 JOWTInnreed” 2A Cashew (PERENNIAL) 4783 Coconut PERENNIAL) ie i femen Tem 73213001380 1.300 SOLD” Tenant AD —Cocn (PERENNIAL) 1300 PeRa7668ye Periem Tore 1760 B10800 716800 3257 JOINT Tohered 2h Cashew (PERENNIAL) 13257 Perse ‘Torm wa | 47 a0 a0) ato | soto ena | 40 Pasty HAF 200 I Grand Total Area of Crops (Sq mtrs) Cashew-20000 ; Coconut-8428 ; Paddy-200 DECLARATION WR ae elt ho oo ee possession by virtue of inheritance, lease, ownership, power of attomey, tenancy, co-owner and I am rightfully ‘authorizes for taking up the above activity | undertake to obtain all the approvalsiNOCs required for the above activity from the Compstent Authortios if required. | hereby declare that the assistance sought by me will be used for the purpose for which it is granted and in the event of non-utiization for the specified purpose, | undertake to refund the full cost of the benefit extended to me, failing which, | authorize the Government to recover the same as revenue recovery. | hereby admit that the assistance if provided, will be based on my own submissions and that in case of any dispute fon the ttle of the land, the assistance availed will not be construed or used as legal evidence or proof for establishing title to the said property | hereby indemnity the Department of Agriculture towards damages or losses if any caused by the said activity J also deciare, that | have not obtained any assistance towards the present proposal. ‘The officials of the Department of Agriculture willbe free to inspect the activity proposed as and when required | hereby authorize the Department of Agriculture to credit the financial assistance admissible to me to my bank account | say that it any of the above averments are proved to be false at any time, | undertske fo refund the financial assistance given to me by the Government for this property and | indemnify Government against any legal or financial responsibitites. {n case of my failure to refund the financial assistance, | authorize the Government to recover the same as per Land Revenue Code 1968. Lie (— Gaurav Rajaram Maviankar Prim Bae: oS4an20 Penz766342/5 Sousges womusaNoD LidLSyID ‘pu par Any weve porn aoe pas a Rear ene = create ouomnW0 Kauossy mpeG-E J04, 720 lente may jane tiny iat ae yogi ee ee coozivane moma tas ZISED¥ #09 ON i ou a oonig” | we ‘WOH NSPE +12 ssompy ISCO -mye we woxoquey uxoquey, S00z/1/1 Wo se ty ‘he Ub 2002 /3/4 i oe Wex9 hs iy ' PHP Wefey: sue soe | wemebicanien: mu aug APUINY wey AeIMeD aU sao; ROE OMED Bae ae poe ong au 1pm 30 worssqun pnd ShoeUNIQUE ENGINEERING INDUSTRIES PLOT NO. P 10, MIDC AREA, KUDAL, DIST- SINDHUDURG- 416520 Tel: 02362-223122/222402 He To, Gaurav Rajaram Malvankar, 214 Kadshi, Mopa, Pernem, Goa. Quotation No. 0090 Date: 04/01/2018 ‘Sr. No.! Description GST GST Amt Qty. Rate Amt, 1, [Ste TEM Steam cooker cap. 160kg with steam generator (cashew shell fired! /wood fired ) Complete set with valves, gauges, hand operated water a) {feed pump and chimney and necessary fitting (excluding civil works ) . | CASH] YER (In Insu! Gal A | Nominal cap. 200kg cashew kernel dryer with lec. digital temperature controller, timer with heat exchanger insulated with mineral wool. G.I. sheet cladding % hp blower, Air Circulation fan at both Side. To and fro. Hot air ducting with insulation, The Dryer includes 50 Aluminum trays. (24’x yx") Nominal Cap. 20-25Kg Per hour with 0.75HP single phase motor 4, |SINGLE HEAD CASHEW PEELING MACHINE Single head cashew pooling machineWith wholes and pieces separator as perScope described above. Capacity : 50 Kg / Hr. 5. |COMPRESSOR ELGI Make Encapsulated Series Scrow Air Compressor (10 HP, 30 CEM, 10 bar) with refrigerated Air Dryer, Pre Filter, and Fine Filter. 6 HELL: (THMOU! ne (Cashew nut Cutters.) Manual, log and hand operated machine. "The vertical and horizontal support frames of the table are made of mild Steel 3mm thick angle frames. Tho tap of table made of C.R.C. ‘GRADING TABLE WITH SS TOP Size 7 length x 2.5’ width x 2.5' height. Top made of thick 8.8. Top, The vertical & horizontal support frames of the table of square tubes 8 DIFIE} 9, EXTRA TROLLEY WITH TRAYS 120 ke drvers trolley 23 (Rs, Sixteen Lac One Thousand Three Hundred Only) 18% 18% 3. | AUTOMA’ ‘ASHEW SHELLING: (With Railing System) a 18% 18% 18% 18% 18% 18% Note- GST Rate may be Change As pe cst Amt. 30,600/- 45,000/- 36,000/- 45,000/- 54,000/- 9,000/- 1,800/- 14,400/- 4,500/- r GST Updates: 1,70,000/- +2,50,000/. 1,00,000/- 2,50,000/- 3,00,000/- 5,000 12,000/- 80,000/- 25,000/- 1,70,000/- 2,50,000/- 2,00,000/- 2,60,000/- 3,00,000/- 50,000/- 36,000/- 80,000/- 25,000/- Total 18,61,000/-| LGsT 2,40,800/- 2,40,300/-| G. Total 16,01,300/- Provisional ID No. : 27ERSPK2829G1ZB For UNIQUE ENGINEERING INDUSTRIESUNIQUE ENGINEERING INDUSTRIES PLOT NO. P 10, MIDC AREA, KUDAL, DIST- SINDHUDURG- 416520 ‘Tel: 02362-223122/222402 22 TERMS &CONDITIONS: 1. DELIVERY: In about 8 to 10 week from the date of your firm order. Subject to our Final confirmation either from the respective work. Delivery by customer side. 2. PRICES : Ex-Works, Packing Forwarding all Govt. taxes, insurance transportations and any additional taxes And / or duties if lived at the time of supply will be extra, 3. PAYMENT TERMS: 50% value as advance with order and balance at the time of delivery. 4. VALIDITY : Validity of the Quotation 60 days from the date. 5. COMMISSIONING: In Maharashtra Rs. 1500/- Plus to and fro charges. Outside MaharashtraRs. 2500/- per day plus to and fro charges. Maximum two days commissioning can be done in this cost. Extra days will be charged Rs. 1000/- per day Note: Because of uncertainty of Raw Material prices, customers are requested toconfirm the rate at the time of placing the order. We await your valued order which will receive our prompt attention.