PARTICULARS UNIT QUANTITY

I.Technical Parameters
1. Soya paneer preparation Kg 75 50
2.Soya flavored milk Ltr 50 8.333333
3.Soya curd Kg 50 8.333333
4.Soya lassi Ltr 50 5
5.Batch per day Nos 3
6.Soyabean required Kg 72 432
7.Total milk production for 72 kg Ltr 432

II. Economic Parameters

1. Cost of construction for production line (20X20) Rs./sq.ft. 250
2.Raw Material cost Rs./Kg. 45
3.Recurring cost (Power,Water,LPG) per Kg 20
4. Chemicals Cost (Flavours /Preservatives,Rock
Rs./Kg. 10
salt,Masala)
5. Labour wage rate Rs./hrs 35

III Income Norms

1.Soy Paneer (Tofu) Rs./Kg 120
2.Soya flavored milk Rs./Ltr 30
3.Soya curd Rs./Kg 35
4.Soya lassi Rs./Ltr 40
5.Byproduct (Okara / waste powder) Rs./Kg 10
 UNIT
PARTICULARS UNIT QUANTITY
RATE Rs
I. Capital Cost

1. Land and Site Developement

Land acrs

Site & Building development Ls.

3. Machinery & Equipments Ls.

4. Furniture Ls.

TOTAL-A

II. Working Capital (One Batch Cycle requirement)

1. Raw Material (Soyabean) Rs./Kg 45 72

2. Fuel / Gas Rs./Kg 10 72

3. Recurring cost (Electricity, Water) Lumpsum 1 500

4. Chemicals Cost (Flavours /Preservatives,Rock
Lumpsum
salt,Masala
8.  Labour charges Hrs 30 24

9.  Marketing expenses Lumpsum

10.Transportation Lumpsum

TOTAL (B)

TOTAL COST OF PROJECT (A+B )

 AMOUNT
Rs.

Owned ( By
Co-Borrower)

190,000
600,000 108000
25,000

815,000

3,240

720

500

100
960

5,000

1,000

11,520
826,520
C. MEANS OF FINANCE

U
PARTICULARS NI UNIT RATE AMOUNT Rs.
T
1. Term loan % 85 702,542
2. Margin Money (Own contribution) (For
% 15 123,978
Land)
TOTAL 826,520

6%

3. Subsidy entitlement @36% from NABARD under AC & ABC Scheme

297547.2 17852.83
PARTICULAR TYPE OF
UNIT UNIT RATE QUANTITY IYEAR IIYEAR IIIYEAR IVYEAR
S PRODUCTS

(A)INCOME
(SALE)
Capacity
% 50 100 100 100
utilized

Milk Rs/Ltr 30 18,250 273,750 547,500 547,500 547,500

Yield per Tofu Rs/Kg 120 27,375 1,642,500 3,285,000 3,285,000 3,285,000
Batch
Curd Rs/Kg 35 18,250 319,375 638,750 638,750 638,750
Lassi Rs/Ltr 40 18,250 365,000 730,000 730,000 730,000

Interest on subsidy @ 6% 17,853 17,853 17,853

Subsidy - - - -
TOTAL 2,600,625 5,219,103 5,219,103 5,219,103

(B)EXPEND
ITURE

1.Raw material
Rs/Kg 45 26280 591,300 1,182,600 1,182,600 1,182,600
(Soyabean)

2. Fuel/Gas Rs/Kg 10 720 131,400 262,800 262,800 262,800

3. Recurring cost
Rs. Ls 500 91,250 182,500 182,500 182,500
(Electricity, Water)
4. Chemicals Cost
(Flavours
Ls 55 10,038 20,075 20,075 20,075
/Preservatives,Rock,
salt,Masala
5.Marketing Ls 5,000 5,000 5,000 5,000

8. Lalbour charges /cycle Hrs 16 87,600 175,200 175,200 175,200

10. Transportation /cycle Ls 1,000 1,000 1,000 1,000

TOTAL 917,588 1,829,175 1,829,175 1,829,175

III. NET INCOME(A-B) 1,683,038 3,389,928 3,389,928 3,389,928

(Value in Rs.)

VYEAR

100

547,500

3,285,000
638,750
730,000

297,547
5,498,797

1,182,600

262,800

182,500

20,075

5,000

175,200
1,000

1,829,175

3,669,622
 F. FINANCIAL ANALYSIS

(Value in Rs.)

PARTICULARS I YEAR II YEAR III YEAR IV YEAR V YEAR TOTAL

Capital costs 826,520

Recurring costs 917,588 1,829,175 1,829,175 1,829,175 1,829,175
TOTAL COST ( INCOME
1,744,108 1,829,175 1,829,175 1,829,175 1,829,175
SALE)
Benefit 1,683,038 3,389,928 3,389,928 3,389,928 3,669,622
Depreciated value of
7,500
buildings @10%

Depreciated value of 15,000

equipments & furniture
@15%
TOTAL BENEFIT 1,683,038 3,394,319 3,394,319 3,394,319 3,692,122
NET BENEFIT -61,070 1,565,144 1,565,144 1,565,144 1,862,947
Discounting Factor @15% 0.87 0.76 0.66 0.57 0.5
NPV cost at 15% DF 1,517,374 1,390,173 1,207,256 1,042,630 914,588 6,072,020
NPV benefits at 15% DF 1,464,243 2,579,682 2,240,251 1,934,762 1,846,061 10,064,999
NPW at 15% DF 3,992,979
BCR at 15% DF 1.66
IRR% 25.63 %
 Rate of intrest 12%
Opening balance of term loan 826,520

Loan Total
(Value in Rs.)
Year Net Principa Interes DSCR
Outstandin Repaymen Net
g Income l t t Surplus
1 826,520 -102,360 165,304 99,182 264,486 1,444,327 -0.39
2 661,216 1,469,430 165,304 79,346 244,650 1,854,517 6.01
3 495,912 1,469,430 165,304 59,509 224,813 2,146,507 6.54
4 330,608 1,469,430 165,304 39,673 204,977 2,168,496 7.17
5 165,304 2,124,142 165,304 19,836 185,140 2,815,807 11.47
Average
6.16
DSCR
 PARAMETERS VALUES
1. Type of Project Soya Processing Unit

2. Unit size in sq.m. Medium Scale

3. Product Soyabean

4. Cost of the project 8,26,520

5. Bank loan 7,02,542

6. Margin money 1,23,948

7. Financial Indicators
BCR at 15% DF 1.66:1
NPW 15% DF(Rs.) 39,92,979
IRR (%) 25.63
DSCR 6.16

8. Interest rate (% per annum) 12%

9. Repayment period 5 years