2011

Dairy Farm project report

Mukesh Proprietary Business 12/12/2011

Contents
1. Why do Dairy Farming ? ...................................................................................................................... 3 2. Scope for Dairy Farming and its National Importance. ........................................................................ 3 3. Financial Assistance Available from Banks/NABARD for Dairy Farming. ............................................. 4 4. Scheme Formulation for bank loan. .................................................................................................... 4 6. Sanction of Bank Loan and its Disbursement. ..................................................................................... 6 7. Lending terms – General ..................................................................................................................... 6 8.Packaging ............................................................................................................................................ 7 I. Housing ............................................................................................................................................ 7 II. Selection of Animal ......................................................................................................................... 8 III. Feeding of Milch Animals ............................................................................................................... 9 IV. Milking of Animals ......................................................................................................................... 9 V. Protection against Diseases .......................................................................................................... 10 VI. Breeding Care .............................................................................................................................. 10 VIII. Marketing of Milk ....................................................................................................................... 10 IX. Care of Calves .............................................................................................................................. 11 Annexure I FORMAT FOR SUBMISSION OF SCHEMES ........................................................................ 12 ANNEXURE II ........................................................................................................................................ 18 Annexure – III ........................................................................................................................................ 21 Annexure V ........................................................................................................................................... 22 Annexure VI .......................................................................................................................................... 25 Annexure - VII ....................................................................................................................................... 29 Annexure - IX ........................................................................................................................................ 30

1. Why do Dairy Farming?
Dairying is an important source of subsidiary income to small/marginal farmers and agricultural laborers. The manure from animals provides a good source of organic matter for improving soil fertility and crop yields. The gober gas from the dung is used as fuel for domestic purposes as also for running engines for drawing water from well. The surplus fodder and agricultural byproducts are gainfully utilized for feeding the animals. Almost all draught power for farm operations and transportation is supplied by bullocks. Since agriculture is mostly seasonal, there is a possibility of finding employment throughout the year for many persons through dairy farming. Thus, dairy also provides employment throughout the year. The main beneficiaries of dairy programmers are small/marginal farmers and landless laborers. A farmer can earn a gross surplus of about Rs. 12,000 per year from a unit consisting of 2 milking buffaloes. The capital investment required for purchase of 2 buffaloes is Rs. 18,223/-. Even after paying a sum of Rs. 4294/- per annum towards repayment of the loan and interest the farmer can earn a net surplus of Rs. 6000 - 9000/- approximately per year. (For details see model scheme enclosed). Even more profits can be earned depending upon the breed of animal, managerial skills and marketing potential. According to World Bank estimates about 75 per cent of India's 940 million people are in 5.87 million villages, cultivating over 145 million hectares of cropland. Average farm size is about 1.66 hectares. Among 70 million rural households, 42 per cent operate upto 2 hectares and 37 per cent are landless households. These landless and small farmers have in their possession 53 per cent of the animals and produce 51 per cent of the milk. Thus, small/marginal farmers and land less agricultural laborers play a very important role in milk production of the country. Dairy farming can also be taken up as a main occupation around big urban centres where the demand for milk is high.

2. Scope for Dairy Farming and its National Importance
The total milk production in the country for the year 2001-02 was estimated at 84.6 million metric tonnes. At this production, the per capita availability was to be 226 grams per day against the minimum requirement of 250 grams per day as recommended by ICMR. Thus, there is a tremendous scope/potential for increasing the milk production. The population of breeding cows and buffaloes in milk over 3 years of age was 62.6 million and 42.4 million, respectively (1992 census) Central and State Governments are giving considerable financial assistance for creating infrastructure facilities for milk production. The ninth plan outlay on Animal Husbandry and Dairying was Rs. 2345 cr.

Nearness of dairy farm to such a society. detailed reports will have to be prepared. Financial Assistance Available from Banks/NABARD for Dairy Farming NABARD is an apex institution for all matters relating to policy. veterinary aid centre. However. 4. if land is purchased for setting up a dairy farm. . construction of sheds. Facilities such as cost of land development. Cost of land is not considered for loan. The Technical Officer attached to or the Manager of the bank can help/give guidance to the farmers in preparing the project report to obtain bank loan. The feeding cost during the initial period of one/two months is capitalized and given as term loan. planning and operation in the field of agricultural credit. artificial insemination centre should be ensured. availability of water. The dairy co-operative societies established in the villages as a result of efforts by the Dairy Development Department of State Government and National Dairy Development Board would provide all supporting facilities particularly marketing of fluid milk. fencing. livestock markets. The scheme should include information on land. SLPP etc. training facilities. veterinary aid. breeding facilities. If possible. if the dairy farm is located near urban centre. There is a good demand for milk. Loan from banks with refinance facility from NABARD is available for starting dairy farming. fodders. godown. essential servants' quarters. purchase of equipments etc. electricity connections. transport vehicle. can be considered for loan. The items of finance would include capital asset items such as purchase of milch animals.3. commissioning of diesel engine/pumpset. milk processing facilities etc. DRDA. the farmers should apply to the nearest branch of a commercial or co-operative Bank in their area in the prescribed application form which is available in the branches of financing banks. It promotes development through formulation and appraisal of projects through a well organized Technical Services Department at the Head Office and Technical Cells at each of the Regional Offices. Scheme Formulation for bank loan A Scheme can be prepared by a beneficiary after consulting local technical persons of State animal husbandry department. and digging of well. marketing aspects. For dairy schemes with very large outlays.. It serves as an apex refinancing agency for the institutions providing investment and production credit. dairy co-operative society/union/federation/commercial dairy farmers. its cost can be treated as party's margin upto 10% of the total cost of project. the beneficiaries should also visit progressive dairy farmers and government/military/agricultural university dairy farm in the vicinity and discuss the profitability of dairy farming. feeds. A good practical training and experience in dairy farming will be highly desirable. For obtaining bank loan.

.this would briefly include – 1. can be worked out and shown in the Project report. repayment period. The reproductive and productive performance of cattle and buffalo breeds is given in AnnexureIII. labour and other overheads.e. The bank's officers can assist in preparation of the scheme for filling in the prescribed application form. are also examined. estimated annual expenditure. Availability of good grazing ground/lands. other miscellaneous items etc. Cash flow analysis. 6. profit and loss statement. Input cost for feeds and fodders. A format developed for formulation of dairy development schemes is given as Annexure I. 6. dairy society/union/federation. Based on this. Income-expenditure statement and annual gross surplus. (B) Economic Viability . 5. Nearness of the selected area to veterinary. production performance. concentrate feed. insurance. manure. The scheme so formulated should be submitted to the nearest branch of bank. Availability of veterinary aid/breeding centers and milk marketing facilities near the scheme area. male/female calves. Availability of training facilities. margin money requirements etc.The average unit cost of dairy animals for some of the States is given in Annexure IV. veterinary aid. repayment of principal loan amount and interest).experience of the farmer and the type of assistance available from State Government. Green/dry fodder.this would briefly include – 1. The distribution of important breeds of cattle and buffaloes are given in Annexure II. income. 5. margin money to be provided by the beneficiary. cost and other relevant input and output costs with their description. (A) Technical Feasibility . 5. The bank will then examine the scheme for its technical feasibility and economic viability. 2. 3. 4. Availability of good quality animals in nearby livestock market. Model economics for a two animal unit and mini dairy unit with ten buffaloes are given in Annexure V and VI. requirement of bank loan. medicines etc. gunny bags. sale price of milk. A field visit to the scheme area is undertaken for conducting a technoeconomic feasibility study for appraisal of the scheme. Repayment schedule (i. etc. Output costs i. Other documents such as loan application forms. Scrutiny of Schemes by banks. breeding and milk collection centre and the financing bank's branch. 2. their breeds. security aspects.e. breeding of animals. Unit Cost . The scheme should also include information on the number of and types of animals to be purchased. the total cost of the project. 3. 4.

These costs are only indicative in nature and banks are free to finance any amount depending upon the availability of assets.7.No. 2. Category of Farmer Level of predevelopment return to resources Beneficiary's Contribution (a) Small Farmers Upto Rs. After ensuring technical feasibility and economic viability. 19251 15%` 7.19250 10% (c) Large Farmers Above Rs.0 lakhs As determined by the banks -do- Security will be as per NABARD/RBI guidelines issued from time to time. Repayment Period of Loan Repayment period depends upon the gross surplus in the scheme. the scheme is sanctioned by the bank. The end use of the fund is verified and constant follow-up is done by the bank. commercial banks and cooperative banks to review the unit cost of various investments once in six months. Lending terms – General Unit Cost Each Regional Office (RO) of NABARD has constituted a State Level Unit Cost Committee under the Chairmanship of RO-in-charges and with the members from developmental agencies. The loan is disbursed in kind in 2 to 3 stages against creation of specific assets such as construction of sheds.Sanction of Bank Loan and its Disbursement. The loans will be repaid in suitable monthly/quarterly installments usually within a period of about 5 years.11001 .11000 5% (b) Medium Farmers Rs. The same is circulated among the banks for their guidance. Margin Money NABARD had defined farmers into three different categories and where subsidy is not available the minimum down payment as shown below is collected from the beneficiaries.Rs. purchase of animals and recurring cost on purchase of feeds/fodders for the initial period of one/two months. 25000 and upto Rs.25000 12% As determined by SCB/SLDB subject to minimum 12% (b) Over Rs. 2 lakhs 13. Sr. Loan Amount CB's and RRB's SLDB/SCB (a) Upto and inclusive of Rs.5% -do(c) Over Rs.3 Interest Rate As per the RBI guidelines the present rate of interest to the ultimate beneficiary financed by various agencies are as under : No. In case of commercial schemes it may be extended upto 6-7 years depending on . 7. purchase of equipments and machinery.

5 metre and depth of 0.In winter keep animals indoor during night and rain. The manger space should be 1. Some of the major norms and recommended practices are as follows : I. The walls should be plastered to make them damp proof. Provide 0. properly raised ground. where ever it is applicable.Packaging Package of Common Management Practices Recommended for Dairy Farmers Modern and well established scientific principles.05 metre with front height of 0. . Provide individual bedding daily. troughs. The floor should be pucca/hard. drains and walls should be rounded for easy cleaning. 16. 12. marshy and heavy rainfall areas. 8. 5. even non-slippery impervious. metre loaf space for each animal. 4. 3. Construct shed on dry.6 Insurance The animals may be insured annually or on long term master policy. 15. The present rate of insurance premium for scheme and non scheme animals are 2. 9. The roof should be 3-4 metres high. Maintain sanitary condition around shed.05 metre for each animal is needed.25% and 4. The cattle shed should be well ventilated.cash flow analysis. Avoid water-logging.25 metre broad. 13.Provide proper shade and cool drinking water in summer. 8.5 to 2 meters high. pucca drain at the rear of the standing space. 6. 10. 7.0% respectively. 2. well sloped (3 cm per metre) and properly drained to remain dry and clean. 7. Provide 5-10 sq. Housing: 1. A standing space of 2 x 1.25 metre. The walls of the sheds should be 1. The corners in mangers. practices and skills should be used to obtain maximum economic benefits from dairy farming. 14. 11.

. Before purchasing. Where gobar gas plant is not constructed. 12. ascertain actual milk yield by milking the animal three times consecutively.Select healthy.Identify the newly purchased animal by giving suitable identification mark (ear tagging or tattooing). sheds with Malathion or Copper sulphate solution. Keep the newly purchased animal under observation for a period of about two weeks and then mix with the general herd. Purchase the second animal/second batch after 5-6 months from the purchase of first animal. 6. 5. 10. veterinary/animal husbandry officer of State government/ Zilla Parishad. 13. 4. Purchase a minimum economical unit of two milch animals.Cull the old animals after 6-7 lactations. etc.Control external parasites (ticks.Give adequate space for the animals. convert the dung alongwith bedding material and other farm wastes into compost.) by spraying the pens. II.Dispose of dung and urine properly. 20. thereby maintaining continuity in milk production vis-a-vis income. Purchase freshly calved animals in their second/third lactation. 7. 18.Vaccinate the newly purchased animal against disease. Drain urine into collection pits and then to the field through irrigation channels. Selection of Animal : 1. 2. 9. (The housing space requirement of crossbred cattle in various categories/age-groups is given in Annexure-VII). A gobar gas plant will be an ideal way. Immediately after release of the loan purchase the stock from a reliable breeder or from nearest livestock market. This will ensure availability of adequate funds for maintaining the dry animals. As far as possible purchase the second animal when the first animal is in its late stage of lactation and is about to become dry.17. 8. flies etc. 19.As buffaloes are seasonal calvers purchase them during July to February. high yielding animals with the help of bank's technical officer. 11.Follow judicious culling and replacement of animals in a herd. 3.

As far as possible. Milking should be done with full hands. quickly and completely followed by stripping. Provide adequate and clean water.5 to 3. The oil cakes should be flaky and crumbly. To estimate the daily feed requirement remember that the animals consume about 2. 7. Sick cows/buffaloes should be milked at the end to prevent spread of infection. . Chaff roughage before feeding. Give adequate green fodder in the ration. 9. Crush the grains and concentrates. Wash the udder and teat with antiseptic lotions/luke-warm water and dry before milking. 5. Feeding of Milch Animals 1 Feed the animals with best feeds and fodders. Milk at fixed times.Provide adequate vitamins and minerals. Milking of Animals 1. 8. 11. 2.III. (Feeding schedule is given in Anneuxre VIII). Cut the fodder at the right stage of their growth. 4. Milk the animals two to three times a day. 6. 5. milking should be done by the same person regularly.Milk in one sitting within eight minutes. 4.0 percent of their body weight on dry matter basis. 12. Moisten the concentrate mixture before feeding. Milker should be free from any contagious diseases and should wash his hands with antiseptic lotion before each milking. 3. 7. Milk the animal in a clean place. 3. 2. IV.Give adequate exercise to the animals. Provide salt licks besides addition of mineral mixture to the concentrate ration. 9. Buffaloes should be taken for wallowing daily. 8. 6. In case this is not possible sprinkle sufficient water more particularly during summer months. grow green fodder on your land wherever available. As far as possible. 10.

Marketing milk immediately after it is drawn keeping the time between production and marketing of the milk to the minimum. 5. VI. 3. 4. water etc. The onset of oestrus will be within 60 to 80 days after calving. (Vaccination schedule is given in Annexure IX). Mastitis etc. abnormal discharge or unusual behaviour. duration of heat. Protection against Diseases 1.Conduct periodic tests for Brucellosis. Johne's disease. VIII. Use high quality semen preferably frozen semen of proven sires/bulls.Avoid too much agitation of milk during transit. Breeding Care 1.Deworm the animals regularly. fever.Observe the animal closely and keep specific record of its coming in heat.Transport the milk during cool hours of the day. in-contact and the healthy animals and take necessary disease control measures. 6. 4. 4. 5. feed.Be on the alert for signs of illness such as reduced feed intake. Wash milk pails/cans/utensils thoroughly with detergent and finally rinse with chloride solution. 2.Protect the animals against common diseases. Timely breeding will help achieving conception within 2 to 3 months of calving.Wash the animals from time to time to promote sanitation. 12 to 24 hours of heat). 3. 3. 7. Tuberculosis. 2. Breed the animals when it is in peak heat period (i. 2.Use clean utensils and handle milk in hygienic way. .V. Examine the faeces of adult animals to detect eggs of internal parasites and treat the animals with suitable drugs. VII. Marketing of Milk 1. 8. Consult the nearest veterinary aid centre for help if illness is suspected. insemination. Care during Pregnancy Give special attention to pregnant cows two months before calving by providing adequate space. 6. conception and calving. Breed the animals in time. immediately segregate the sick.In case of outbreak of contagious disease. 5.e.

Feed colostrum to calf. 12. 8.In case it is desired to wean the calf immediately after birth. then feed the colostrum in bucket.Group the calves according to their size. 9. 7. 10. particularly the male calves.Dispose of extra calves not to be reared/maintained for any specific purpose as early as possible. 2. Take care of new born calf.Keep the calf separately from birth till two months of age in a dry clean and well ventilated place. 6.Protect the calves against extreme weather conditions.IX. 11. The female calves should be properly reared. . Dehorn the calves around 4 to 5 days of age for easy management when they grow. Care of Calves 1. 3.Treat/disinfect the navel cord with tincutre of iodine as soon as it is cut with a sharp knife. particularly during the first two months.Vaccinate calves.Assist the calf to suckle if it is too weak to suckle on its own within 30 minutes of calving. 4. 5.

Land and Land Development : i) Location details of the project ii) Total Area of land and its cost iii) Site map . medium & large farmers as perNABARD's norms. GENERAL i) Name of the sponsoring bank ii) Address of the controlling ofice sponsoring the scheme iii) Nature and objectives of the proposed scheme iv) Details of proposed investments S. Of units (a) (b) (c) v) Specification of the scheme area (Name of District & Block/s)S. District Block vi) Names of the financing bank's branches:S.) ix) Details of borrowers profile (Not applicable to area based schemes) (a) Capability (b) Experience (c) Financial Soundness (d) Technical/Other special Qualificaitons (e) Technical/Managerial Staff and adequacy thereof 2.No Investment No. small. TECHNICAL ASPECTS : a) Location. SC/ST. coverage of borrowers in weaker sections (landless labourers. Name of the Branch/District (a) (b) (c) vii) Status of beneficiary/ies: (indidivual/Partnership/Company/Corporation/Co-operative Society / Others) viii) In case of area based schemes.No.Annexure I FORMAT FOR SUBMISSION OF SCHEMES 1.No. etc.

gates. b) Civil Structures :Detailed cost estimates along with measurements of vaious civil structureSheds.iv) Particulars of land development.) f) Production parameters : i) Order of lactation .Store room. etc. fencing. c) Equipment/Plant and Machinery : i) Chaff cutter ii) Silo pit iii) Milking machine iv) Feed grinder and mixer v) Milking pails/milk cans vi) Biogas plant vii) Bulk coolers viii)Equipment for manufacture of productsix) Truck/van (price quotations for the above equipments) d) Housing : i) Type of housing ii) Area requirement.Quarters.) vi) Cost of animal (Rs.Milk room.Heifers (1-3 years).Adults.Calves (less than 1 year) e) Animals : i) Proposed species ii) Proposed breed iii) Source of purchase iv) Place of purchase v) Distance (kms. etc.

Young stock g) Herd projection (with all assumptions) : h) Feeding : i) Source of fodder and feed .Green fodder . / Kg) Lactation Dry Period Young Stock Green Fodder Dry Fodder Concentrates i) Breeding Facilities : Source : ii) Location : iii) Distance (km.ii) Milk yield (ltrs.) ./day) Cost(Rs.Kharif .Dry fodder – Concentrates ii) Fodder crop rotations .Adults .Rabi – Summer iii) Fodder cultivation expenses iv) Requirement and costs :Quantity required (kg.) :iv) Availability of semen :v) Availability of staff : vi) Expenditure per animal/year j) Veterinary Aid : i) Source ii) Location iii) Distance (km. per day) iii) Lactation days iv) Dry days v) Conception rate vi) Mortality(%) .

) iv) Price realised . type of strucutre. per liter of milk) v) Basis of payment vi) Periodicity of paymen n) Marketing of other products : .(Rs.) k) Electricity : i) Source ii) Approval from SEB iii) Connected load iv) Problems of power failure v) Arrangements for generator l) Water : i) Source ii) Quality of water iii) Abvailability of sufficient quantity for drinking. cleaning nad fodder production iv) If investment has to be made.iv) Availability of staff v) Types of facilities available vi) If own arrangements are made – a) Employed a veterinary doctor/stockman/consultant b) Periodicity of visitc) Amount paid/visit (Rs. design and cost m) Marketing of milk : i) Source of sales ii) Place of disposal iii) Distance (km.) vii)Expenditure per animal per year (Rs.

) 4 Total Outlay (Rs.place of sale .Cost/bag (Rs.) 8 Total Iv) Financial viability (comment on the cash flow projection on a farm model/unit and enclose the same. INFRASTRUCTURAL FACILITIES : .i) Animal . if any : 3.) 5 Margin/ Subsidy (Rs.age .Ment 2 Physical Units 3 Unit Cost (Rs.Number .) o) Beneficiary's experience : p) Comments on technical feasibility : q) Government restrictions.)Particulars : a) Internal Rate of Return (IRR) : b) Benefit Cost Ratio (BCR) : c) Net Present Worth (NPW) : v) Financial position of the borrowers (to be furnished in case of corporate bodies/partnership firms)a) Profitability Ratio :i) GP Ratio ii) NP Ratiob) Debt Equity Ratio :c) Whether Income Tax & other tax obligations are paid upto date :d) Whether audit is upto date (enclose copies of audited financial statements for the last three years) vi) Lending Terms :i) Rate of Interest :ii) Grace Period :iii) Repayment Period :iv) Nature of Security :v) Availability of Government guarantee wherever necessary : 4.Qty.) 7 Refinance Assistance (Rs.price expected ii) Manure . FINANCIAL ASPECTS : i) Unit Cost : Sr./animal Price/unit (Rs.) 6 Bank loan (Rs.No Name of the Investment Physical units and specification Unit cost with component wise break-up (Rs.) iii) Empty gunny bags .) Whether approved by state level unit cost committee Total ii) Down payment/margin/subsidy(Indicate source & extent of subsidy): iii) Year-wise physical & financial programme :Year 1 Invest.

Type of policy. if so amount per unit f) Arrangements for supply of green fodder and cattle feed .Periodicity.a) Availability of technical staff with bank/implementing authority for monitoringb) Details of – i) technical guidance ii) training facilities iii) Govt support/extention support c) Tie-up arrangements with marketing agencies for loan recovery d) Insurance -.Rate of premium e) Whether any subsidy is available.

Adilabad Gulbarga. Mahboobnagar. Andhra Pradesh. Hansi (Haryana State) Rajasthan. Jodhpur.N. Narasaraopet. Maharashtra 9 Khillari Maharashtra Solapur. Tirppur. Karnal. Bidar. Surat Weekly markets in Ahmednagar. Chickballapur..) Hindupur. Karnataka Watersheds of Krishna and adjoining areas of A. Kolhapur. Raisen Sehora.) Throughout the country Dual purpose breed 7 Kangayam Tamil Nadu Coimbatore Avanashi.Dual Purpose 14 Rathi Rajasthan Alwar.P.) Hansi & Bhiwani (Hissar dist. Gurgaon. Thane. Rajasthan. Sangrur. Bharatpur. Banaskantha Ahmedabad. Bangalore _ Gujarat. Hassan & Mysore Dodbalapur.) 12 Nagori or Nagauri Rajasthan Jodhpur & Nagaur Nagaur Parbatsar (Nagpur). Somaghatta. Raigad.M. Bharatpur Western districts Cattle fairs at Jehazgarh. Kannauram. Also maintained by NDRI. Osmanabad. Anantpur (A.Dairy breed . Jaipur. Bellary (KT) Anantur & Chittur (A. Karuvalli. Mahim and Bhadurgarh (Rohtak dist.P. Patiala. Dewas. Puskar (Ajmer).) North Arcot (T. Pushkar (Ajmer) . Nanded Weekly cattle markets. Harikar. Devargudda. Chikkuvalli. and KT Ichalkaranji (Kolhapur). Alwar. Name Breed Habitat/Main State Breeding Tract Districts Assembling Centres Areas of demand Remarks 1234567 A) CATTLE (INDIGENOUS) 1 Amrithmahal Erstwhile Mysore State now part of Karnataka Tumkur and Chitradurg Erstwhile Mysore State Karnataka and adjoining area Draught breed 2 Dangi Maharashtra and Gujarat Ahmednagar. Ujjain. Madurai Athicombu Southern Districts of Tamil Nadu Draught breed 8 Kankrej Gujarat Ahmedabad. Coimbatore North Arcot.P. Punjab. Hissar. Chincahli (Gulbarga) 11 Malvi Madhya Pradesh Guna. Vidisha. Balotra (Barmer).N. Haryana. Mandsaur. Jhabus & Dhar Agar (Shajapur) Singaj (Nimar) Sehore & Ashta (Sehore) Draught purpose Rajasthan Jhalwar and Kotah Karimnagar (A. Radhanpur Rajasthan. Nasik.ANNEXURE II Cattle and Buffalo Breeds Important Characteristics/Description Sr. Salem (T.P. Hissar. Rajasthan Rohtak. North Kanara. Maharashtra Dairy purpose breed 5 Hallikar Karnataka Tumkur. Thane and West Khandesh district Rocky ghat areas with heavy rainfall Draught breed 3 Denoi Andhra Pradesh Karnataka and Maharashtra Medak.). Bapatla and Nellore Available in Ongole tract of Andhra Pradesh . Nizambad. Jatras and fairs in Bidar and adjoining districts Bidar and adjoining districts Draught purposse breed 4 Gir Gir Hills and forest of South Kathiawar Junagarh. Indore. Nasik. Chittavadgi (T. Uttar Pradesh Draught purpose 13 Ongole Andhra Pradesh Ongole. Khandesh.) Dharwar. Shivpuri. Rewari (Gurgaon). Jaipur Alwar.No. Gwalior.) Draught breed 6 Hariana Haryana and Delhi. Guntur. Satara Southern Districts of Maharashtra and adjoining districts of Andhra Pradesh and Karnataka Draught breed 10 Krishna Valley Maharashtra.

P.B.200 240 150 5.0 16 Umblachery 46 17 360 240 270 1.ion 12345678 i) Cattle a) Indian breeds 1 Dangi 54 17 600 300 210 2. Hissar.Dairy breed 2 Holstein Friesian Holland Province of North Holland and West Friesland Through out the country (crossbreds) .Dairy breed 3 Jersy British Isles Island of Jersey Crossbreds available in all states/U. Delhi.0 14 Sahiwal 40 14 1..P).500 300 150 5.620 270 150 6. .Dairy breed 17 Siri Sikkim. Kapurthala.Dairy breed 16 Red Sindhi Pakisatan All parts of India .620 270 150 6.0 15 Tharparkar 50 14 1.Dual purpose 18 Tharparkar Pakisatn (sind) Umarkot.Dairy breed B) BUFFALOES Reproductive and Productive Parameters (Traits) in Indian Cattle and Buffaloes Sr. Sahiwal (erstwhile Montgomery) Jullundar. Karnal.India. M.No Name of the breed Age at first calving (months) Calving interval (months) Lactation yield (kg.0 11 Ongole 40 19 630 210 360 3.0 6 Hallikar 46 20 600 300 300 2. W.0 7 Hariana 58 13 1. Puskar (Ajmer).Ts .5 17 Non-descript 60 19 405 270 300 1.5 13 Red Sindhi 42 14 1.) Lactation length (days) Dry period (days) Milk yield kg/day during lactat.0 5 Gaolao 46 16 600 300 180 2.15 Sahiwal Punjab.B.P. Lucknow. U. Gujarat State . Haryana. Pakisatan & other Asian countries .800 360 150 5.5 B) Crossbred Cattle (Bos indicus Fx Bostaurus M) . Gurdaspur.Dairy breed B) CATTLE (EXOTIC) 1 Brown Swiss Switzerland . Naukot. W.0 4 Gir 48 16 1.0 8 Kangayam 44 16 600 240 240 2. Dhoro Naro Chor Balotra (Jodhpur).815 330 240 5.0 10 Khilari 52 16 240 240 240 1.0 12 Rathi 40 19 1.620 270 150 6. Amritsar. Bhutan Darjeeling Hill Tract Darjeeling (Brought by dealers) ...0 2 Deogir 48 15 1. Bihar. Bihar.350 270 210 5. Meerut. NDRI. Anhora Durg (M. Ferozepur (Punjab).5 9 Kankrej 48 17 1.0 3 Deoni 53 14 810 270 150 3..

550 300 90 8.0 2 H x BS 29 15 2.850 300 90 9.0 10 T x F 33 13 2.500 300 90 5.295 270 90 8.0 8 RS x J 29 12 1.0 5 G x F 25 13 2.1 H x F 34 14 2.0 6 RS x F 29 12 2.5 7 RS x RD 28 12 2.700 300 60 9.5 4 G x J 25 13 2.970 330 90 9.5 11 S x F 33 14 2.0 .805 330 120 8.640 330 60 8.400 300 120 8.0 9 R x J 32 12 2.5 3 H x J 33 13 2.160 270 90 8.160 270 120 8.

765 330 150 5.5 5 Mehsani 50 14 1.0 10 Dharwari 50 14 1.015 270 150 3.350 270 150 5.Annexure – III C) Buffaloes 1 Bhadawari 50 15 1.080 270 180 4.0 2 Murrah 42 16 1.0 6 Jaffarabadi 50 14 1.950 300 180 6.0 11 Non-descript 50 16 540 270 210 2.5 4 Surti 44 16 1.350 270 150 5.620 270 150 6.0 8 Marathwadi 50 14 1.620 270 150 6.350 270 150 5.800 300 180 6.0 3 Nili-Ravi 54 16 1.0 Key : H = Hariana S = Sahiwal RS = Red Sindhi G = Gir T = Tharparkar L = Non-descript R = Rathi F = Friesian BS = Brown Swiss RD = Red dane J = Jersey Annexure – IV Unit cost of cows and buffaloes Approved by NABARD in some of the major States in India .5 9 Nagpuri 50 14 1.0 7 Pandharpuri 56 14 1.

823 7 Repayment period : 5 8 Interest rate (%) : 12 9 BCR at 15% DF : 1./animal) 100 xii) Interest rate (%) 12 xiii Repayment period (years) 5 xiv) Income from sale of gunny bags 20 bags/tonne @ Rs.200 16.) Family labour xi) Cost of electricity & water (Rs.) 1 Cost of animals 2 8.200 iii) Lactation period (days) 280 iv) Dry period (days) 150 v) Milk yield (lts.378 3 Conc.223 5 Margin money (15% of total cost) Say Rs. Items Specifications Phy units Unit Cost (Rs.50:1 10 NPW at 15% DF (Rs.75 vii) Sale of manure/animal/year (Rs. 5/bag 100 xv) Feeding schedule .5 kg/day/animal for 30 days) 135 Kg 1 3. Feed (4. 15490 15500 TECHNO ECONOMIC PARAMETERS i) No./lt) 7.733 2723 6 Bank laon (85% of total cost) Say Rs.of milch animals 2 ii) Cost of milch animals 8.400 6 Margin Money (Rs./day) 7 vi) Sale price of milk (Rs. 2.3 446 4 Total cost 18.187 11 IRR(%) : >50% MODEL PROJECT FOR TWO ANIMAL UNIT(BUFFALOES) A INVESTMENT COST Sr.) : 18.No.) 150 x) Labour (Rs.223 5 Bank Loan (Rs.) : 29.) 300 viii) Insurance premium for five years (%) 8.4 ix) Veterinary aid/animal/year (Rs. /Unit) Total Cost (Rs.400 2 Insurance 2 689 1.) : 2.Annexure V Economics of two animal unit (buffaloes)Project at a Glance 1 Unit Size : 2 Animals 2 Breed : Graded Murrah 3 State : Karnataka 4 Unit Cost (Rs.) : 15.

127 .No Particulars Years I II III IV V i) Lactation Days a) First batch 250 280 250 210 210 b) Second batch 180 210 210 210 210 Total 430 490 460 420 420 ii) Dry Days a) First batch 110 80 110 150 150 b) Second batch .No.237 Total 9.075 1.484 2.831 6.387 9.100 2. per animal) 4100 C LACTATION CHART Sr. xviii) Closing stock value (Rs.514 13.450 2.240 3.5 1 xvi) Animals will be purchased in two batches at an interval of 5 .500 1.386 7.281 9.150 2.100 Dry fodder 1.188 2.225 1./kg) (Quantity in kg/day) Lactation Dry Period Period a) Green fodder 0.611 10.3 4.150 150 150 150 Total 110 230 260 300 300 D CASH FLOW ANALYSIS Sr.237 6.5 5 5 c) Concentrate 3.6 months xvii) It is assumed that the expenditure on calf rearing will nullify the sale value of calf / hiefer.300 1.240 c) Veterinary aid & breeding cover 225 300 300 300 300 d) Cost of electricity & water 150 200 200 200 200 Total 28.050 Concentrate 6.2 25 25 b) Dry fodder 0.150 1.127 13. Type of fodder/feed Price (Rs.387 b) Feeding during dry period Green fodder 550 1. Particulars Years I II III IV V I Costs: 1 Capital cost* 17.951 13.777 2 Recurring cost a) Feeding during lactation period Green fodder 2.150 1.936 13.733 3.S.952 10.050 1.500 Dry fodder 275 575 575 750 750 Concentrate 363 759 858 990 990 Total 1.No.277 6.300 2.

728 13.185 III 25.259 10.444 0.165 .198 0.658 0.296 0.497 IV DISCOUNTED COSTS AT 15% 25.294 7.294 6.254 4.990 3.0.803 87.313 5.479 12.485 15.982 10.537 8.294 9.458 4.773 23.886 7.15500 Interest Rate (%) .458 18.514 12.817 VI NPW @ 15% 29.414 25.583 24.630 V DISCOUNTED BENEFITS AT 15% 20.277 Year Income Expenses Gross surplus Equated annual instalment Net surplus I 23.457 10.127 10.328 26.50:1 VIII DF @ 50% 0.955 22.854 20.12 Capital recovery factor .175 10.585 13.200 Total 23.833 XI IRR >50% * excluding the capitalised expenditure on concentrated feed E REPAYMENT SCHEDULE Bank Loan (Rs) .132 IX NET BENEFITS -4.414 13.966 IV 23.505 6.066 2.585 31.187 VII BCR @ 15% 1.127 10.632 2.961 II 27.II BENEFITS a) Sale of milk 23.585 13.658 X DISCOUNTED NET BENEFITS AT 50% -3.946 13.785 III DF @15% 0.936 13.294 8.667 0.572 0.165 V 23.458 4.259 4.773 13.785 b) Sale of Gunny bags 205 232 218 200 200 c) Sale of manure 450 600 600 600 600 d) Closing stock value 8.479 4.526 58.785 22.756 0.870 0.729 16.294 6.969 13.982 27.

technicians 10 500 5. Items Specifications Phy. of acres of irrigated land for fodder production considered in the project.000 3 Cost of construction of shed Sq.330 7 Repayment period (yrs) : 5 8 Interest rate (%) : 13. Green fodder will be produced on the farm.) 1 Cost of animals 10 8./unit) Total Cost (Rs.750 4 Cost of Store cum office Sq.ft.Annexure VI Economics of a mini DAIRY unitTEN ANIMAL UNIT ( BUFFALOES) PROJECT AT A GLANCE 1 Unit size : 10 animals 2 Breed : Graded Murrah 3 State : Karnataka 4 Unit cost (Rs) : 155.units Unit Cost (Rs.280 7 Fodder raising expenses @ Rs.200 2 Transportation cost of animals 10 300 3.000 .000 6. per acre per season) and manure is utilised for fodder production 3. 650 55 35.ft.030 5 Bank loan (Rs) : 131. During first year only two seasons are considered. milking pails.403 11 IRR (%) : >50 MODEL PROJECT FOR TEN ANIMAL UNIT (BUFFALOES) A. TECHNO ECONOMIC PARAMETERS i Animals will be purchased in two batches at an interval of 5-6 months ii Second/Third lactation animals within 30 days of calving will be purchased in first year iii No.53:1 10 NPW at 15% DF(Rs) : 154.3000/acre 2 3.000 5 Equipments (chaff cutter. cans.000 8 Total cost 155. iv In the first year the fodder production expenses are capitalised for one season (Rs.5 9 BCR at 15% DF : 1. Fodder production expenses is considered in the cash flow analysis.700 6 Margin money (Rs) : 23. INVESTMENT COST S. 200 100 20.No.000 6 Insurance 10 328 3.030 9 Margin money (15% of total cost) Say 23255 23330 10 Bank loan (85% of total cost) Say 131776 131700 B.200 8.

500 1.5 xxvi Repayment period (years) 5 C.050 1.3 xix Veterinary aid/animal/year (Rs) 150 xx Labour (Rs. Lactation Chart S.250 1.100 II Dry days a) First batch 550 400 550 750 750 Second batch .050 1.75 xvi Income from sale of gunny bags (20 bags/tonne @ Rs.300 1.100 xxv Interest rate(%) 13.050 1.5/bag) 100 xvii Expenditure on dry fodder for dry and lactation period requirement (kg/day) Cost (Rs/kg) 5 0.v It is assumed that the expenditure on calf rearing will nullify the income realised from its sale.150 2.150 1. the heifer will be retained on the farm and the old animals will be sold out.No Particulars I II Year III IV IV I Costs 1 Capital cost* 145. per sft) b) Store and office 55 100 xi Cost of equipment (Rs per milch animals) 500 xii Lactation period (days) 280 xiii Dry period (days) 150 xiv Milk yield (lts/day) 7 xv Sale price of milk (Rs/lt) 7.No Particulars I II Years III IV V I Lactation Days a) First batch 1.200 viii Transportation cost (Rs. of milch animals 10 vii Cost of milch animals 8.300 2. per milch animal including followers) 300 ix Civil structures: a) Shed (sft.450 2.100 2.050 Total 2.5 xviii Expenditure on concentrates a) Requirement (kg/day) Lactation period Dry period b) Cost (Rs/kg) 4. vi No.250 1.400 1.5 1 3.050 b) Second batch 900 1. However./month) 900 xxi Insurance premium (%) 4 xxii Cost of electricity.750 2 Recurring cost . per milch animal) b) Store and office (sft) 65 200 x Cost of construction a) Shed (Rs.750 750 750 750 Total 550 1.500 D CASH FLOW ANALYSIS Sr.050 1. water & other overheads (Rs/animal) 200 xxiii Depreciation(%) a) Sheds b) Equipment 5 10 xxiv Value of closing stock 4.

165 1.815 3.750 3.750 5.000 2.290 4.660 134.280 3.000 18.500 1.280 g) Labour cost 10.925 b) Sale of Gunny bags 1.795 4.045 V DISCOUNTED BENEFITS AT 15% 102.280 3.095 c) Depreciated value of sheds .995 65.678 50.448 VI NPW @ 15% 154.808 65.250 3.185 31.020 185.800 10.375 2.775 113.a) Green fodder raising expenses 12.303 42.198 0.950 4.26.540 8.950 Total 3.518 136.250 5.508 39.66 0.125 1.208 81.233 39.800 10.280 3.750 Concentrate 1.143 444.000 2.500 e) Cost of electricity & water 1.76 0.000 b) Feeding during lactation period Dry fodder 5.875 3.700 d) Veterinary aid & breeding cover 1.435 36.940 115.698 .132 IX NET BENEFITS -71.670 7.333 III DF @ 15% 0.667 0.453 74.403 VII BCR @ 15% 1.125 5.000 18.155 31.500 1.000 18.763 92.000 18.250 Concentrate 31.180 290.130 125.868 52.637 132.905 36.945 49.800 10.280 3.50 IV DISCOUNTED COSTS AT 15% 164.190 6.87 0.800 Total 188.095 1.928 36.912 124.925 113.185 Total 37.497 28.435 c) Feeding during dry period Dry Fodder 1.383 34.023 1.500 1.53:1 VIII DF @ 50% 0.503 48.000 f) Insurance 3.303 24.813 d) Depreciated value of equipments 2.296 0.422 82.000 Total 117.444 0.218 1.375 6.700 8.57 0.635 II BENEFITS a) Sale of milk 116.800 10.500 2.832 33.500 e) Closing stock value 41.000 2.313 101.

503 65.472 36.385 37.635 66.X DISCOUNTED NET BENEFITS AT 50% 47.5 Capital recovery factor .201 22.130 52.655 III 125.660 33.13.287 (in Rs.798 47.020 49.453 37.001 41.798 28.940 50.020 48.893 XI IRR >50 * excludes the capitalised cost for fodder raising for three months and insurance for one year E REPAYMENT SCHEDULE: Bank Loan (Rs) .025 II 134.720 V 115.798 43.518 37.131700 Interest rate(%) .838 83.945 74.823 37.587 .) Year Income Expenses Gross surplus Equated annual installment Net surplus I 117.995 37.942 18.197 IV 115.798 46.0.221 12.798 27.678 81.

0 1.0-12.3 0.No.0 *To be housed individually Annexure .6-1.0 (B) BUFFALOES a) Murrah (7 to 8 litres milk per day) Lactation days Dry days 25 to 30 20 to 25 4 to 5 5 to 6 3.2 8.0 c) Surti (5 to 6 litrs milk per day) Lactation days Dry days 10 to 15 5 to 10 4 to 5 5 to 6 2.0 to 3.0-8.5 to 4.5 to 3.Annexure .0 6-12 months 0.) Standing or covered area (sq.8-2.0 1-2 years 0.0 0.0-6.8 6.2 9.0 b) Mehasana (6 to 7 litres milk per day) Lactation days Dry days 15 to 20 10 to 15 4 to 5 5 to 6 3.0-22.0-20.8-1.mtr.4 1.2-1.VIII Feeding Schedules for Dairy Animals (Quantity in Kgs.4-0.0-1.0 Pregnant cows 1.2-0.0 to 3.5 1.0 .5 0.5 to 1.5 0.0 20.0-4.0 Bulls* 1.0 to 4.8-1.0 15.5 to 1. Type of animal Feeding during Green Fodder Dry Fodder Concentrate 123456 (A) CROSSBRED COW a) 6 to 7 litres milk per day Lactation days Dry days 20 to 25 15 to 20 5 to 6 6 to 7 3.5 to 1.0 3.5-10.0 b) 8 to 10 litres milk per day Lactation days Dry days 25 to 30 20 to 25 4 to 5 6 to 7 4.5 to 1.0-11.5 to 1.6 5.) S.3-0.5 0.) 4-6 months 0.mtr.) Open Space(sq.0 Cows 0.0-1.0 11.VII Housing Space Requirements for Crossbred cattle Age-group Manger Space (mtr.0 0.

At about 6 months of age Life long It is better to repeat after 3 to 4 years . Name of disease Type of vaccine Type of vaccination Duration of immunity Remarks 123456 1 Anthrax (Gorhi) Spore vaccine Once in an year premonsoon vaccination One season 2 Black Quarter (Sujab) Killed vaccine ./Nov. caprinised vaccine for zebu cattle. No.Annexure .. 6 Rinderpest (Mata) Lapinised avianised vaccine for exotic and crossbred catte.3 Haemorrhagic Septicaemia (Galghotu) Ocladjuvant vaccine .do .do .4 Brucellosis (Contagious abortion) Cotton strain 19 (live bacteria) At about 6 months of age 3 or 4 calvings To be done only in infected herds 5 Foot and Mouth disease (Muhkhar) Polyvalent tissue culture vaccine At about 6 months of age with booster dose 4 months later One season After vaccination repeat vaccination every year in Oct.do ..IX Programme for vaccination of farm animals against contagious diseases Sr.do .

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