Shri Ganesh Dal Mill is a prominent name in the Dal industry. It highly trusted for its quality.

Based in Manwat, Parbhani District (Maharashtra). Shri Ganesh Dal Mill brings finest quality
Dal, consistent taste and nutritional richness. For these three values treasured in every grain that
the company has garnered immense customer loyalty over years making Shri Ganesh Dal Mill a
household name and a leading brand.
The company has its roots dated back in 1977. In kind Guidance of Shri. Narayan Govind
Katruwar Founder of New Ganesh Dal Mill in 1977. With Dr. Anand Narayan Katruwar
(partner), Shri. Ulhas Narayan Katruwar (Partner).
Our Mission
Shri Ganesh Dal Mill is to be a leader in Dal processing industry by delivering nature's finest
pulses making quality, competitive price and customer service our success factors. We will
remain committed to our heritage that is true to our employees, vendors and customers.
Our Quality Policy
"We are committed to satisfy our consumers' needs by providing safe and hygienic pulses
ensuring product quality and complying with all statutory and legal requirements."
Quality in product makes us a quality brand, while quality in conduct makes us a quality group.
We strongly believe that each of us take up the responsibility and contribute our share towards
achieving equitable growth in the society and make our society a progressive world.
It is the everlasting quality consciousness that has won us unbeatable confidence and goodwill of
our consumers, which speaks through ever-growing demand of Shri Ganesh Dal. That's exactly
the secret behind our success, we believe!

Status of Pulses Processing Industry in India :

Dal milling industry is one of the major agro processing industries in India. Out of
the total production of 13.19 million tonnes of pulse in the country, 75% is
processed by these dal mills. There were about 2000 dal mills in the country in
1972. The numbers grew steadily to 6000 units in 1982, 12000 units in 1995 and
14000 units during the year 1999-2000.
Most of the dal mills in the country are concentrated in selected pockets of the
country i.e. pulses producing areas such as Indore (MP), Jalgaon, Akola and Nagpur
(Maharashtra) and in or near major consumption centres such as Kolkata, Mumbai,
Chennai, Hyderabad and Delhi. The units are mostly traditional ones. They are
capital intensive and energy sapping in nature. The dehusking efficiency in
traditional mills is quite low. Moreover, the yield of dehusked and splitted pulses in
traditional mills is about 65-70 % in comparison to 88-89% maximum potential
recovery of splits.
Thus, there is excessive loss of pulse cotyleadons and embroyos in the form of
brokens and powdered grains (5- 15%). The industry is also besieged with other
problems such as low domestic availability of pulses, high block capital and working
capital requirement and presence of large number of intermediaries in pulses
procurement and marketing of finished products.
Need for improved Dal Mills:
The present losses being encountered by the milling industry can be minimized to a
great extent by the use of improved dal mills. These dal mills are highly versatile
and energy efficient. Many agricultural universities , ICAR institutions in the country
have developed modern improved dal mills . Some of these institutes are PKV Akola,
CFTRI- Mysore, GBPUAT- Pantnagar, CIAE- Bhopal, IIPR-Kanpur, TNAU- Coimbatore
and IARI- New Delhi. The improved dal mills have dehusking efficiency of about 95%
and the yield of split pulses is about 80-85% depending on the variety of pulse and
conditioning of the pulse grain. Some of the improved dal mill machinery are :
Modern Machinery for Pulses Processing
i. Roller machine:
Abrasive, carborundum roller cylindrical mill of 100kg per hour capacity, run by
1.5kW electric motor is readily available in the market. It has been developed for
dehusking and splitting of food legumes viz.pigeon pea gram and black gram. It
consisted mainly of a 300mm diameter cylindrical emery coated roller to give 13.5

to 14m/s speed at 850-900rpm and dal (splits) recovery rate of 74 to 75%. Though
the unit is similar to traditional miller machine and gives more or less the same dal
recovery, it is useful for small scale production (8 to 10q per day) of dal in villages &
towns.
ii. Cylinder concave dehuller:
This machine has been developed by GB Pant University of Agriculture and
Technology, Pantnager. It consists of a 380mm long and 220mm diameter cylinder
with trunketed surface, and a concave. The kernels are fed to the unit along the full
length of the cylinder. A similar machine developed at IARI, New Delhi has cylinder
concave set consisting of 150mm diameter mild steel pipe of 6mm thickness coated
with 36 week emery cloth to form a cylinder.
The concave has 1x1mm grooves along the length and spaced at 25mm apart. The
unit runs on 1 H.P. electric motor when operated at 1080rpm (8.48m/s) and gives a
soybean dal yield of 85% at 8.69% moisture content (d.b) with 94% hulling
efficiency. The energy requirement of unit is 2.15 Wh/kg with a milling capacity of
140kg per hour. These units have been proved to be of high utility value due to
higher recovery rates of splits and improved dehusking efficiency.
iii. Under runner disc (URD) Sheller:
The URD sheller (300mm dia, 100mm thick, 900rpm) can be used for milling of
bengal gram. It give 83% recovery of splits with 6% brokens. The energy
consumption increases with increase in feed rate upto 250kg/h and remains
constant (2kW) upto 300kg/h and then decreases. The Central Government is giving
a big boost towards the development of this industry. It has dereserved " Pulses
Milling Sector" from the category of " Small Scale Industries".
Hence no license/ permission is required for setting up of a pulse mill. The mills can
obtain their raw material supply from any source and there is no price distribution
controls on manufactured products. Considering the above factors, a model project
of an improved dal mill has been prepared with an installed processing capacity of
200 kg/hr operating in a single shift of 8 hr/day for 25 days in a month thus totaling
480 MT/ annum. The capacity of the unit can be suitably changed as per locational
requirement. It is hoped that establishment of such dal mill at village/ panchayat
level can play a major role in development of the sector by providing much needed
processing facility to the villagers and contribution to employment generation.

Investment Components of an improved dal mill:

The various investment components are as follows:

Land and site development:

The land requirement for establishing a modern pulse milling unit will depend upon whether the
unit will be using wet milling or dry milling operations for conditioning the pulses prior to
dehusking and splitting operations and the method of drying of the soaked grain pulses.
Generally 1.00 acre of land is required for establishing an improved pulse milling unit having a
processing capacity of 480 MT /annum. The land should be with proper elevation.
Low lying areas should be avoided, else proper land filling, compaction and consolidation should
be done. Availability of suitable drainage facility, road linkages and communication facility
should also be ensured. The layout of the pulse milling plant should be done in a manner that
helps in smooth operation of various unit operations in tandem to bring about optimal capacity
utilization. Additional area will be required for sundrying of soaked grain legumes.
The model tentative cost of land and land development charges has been considered at 2.75
Lakh ( 2.00 Lakh being the cost of the land @ 2.00 Lakh per acre for 1.00 acre and the
remaining 75,000/- being the cost incurred for site development such as construction of
fencing, internal roads and drainage system etc.)
Civil construction:
The various sub components are as follows:
1. Raw material store
2. Finished goods store
3. Processing area
4. Office space
5. Machinery Spare Store
6. Gunny Bags Store
7. Panel Board Room
8. Toilet space
9. Miscellaneous space (Drying Platform)
Technology:
The model unit is based on the versatile dal milling technology developed by
Central Food Technology Research Institute (CFTRI), Mysore and the machinery is
fabricated under the supervision of the scientists from CFTRI. CFTRI, Mysore besides

providing assistance in the establishment of the dal mills also provides need based
training programme for successfully running these units.
Plant and Machinery:
The details of the nature and type of plant and machinery, their capacity, power
consumption, level of automation varies upon the market needs, nature and type of
the end products and the investment capacity of the entrepreneur. The details of
plant and machinery for the model project are as Precleaner-1 No.; Dehuskers-2
Nos.; Grader-2 Nos.; Bucket Elevators-4 Nos.; Aspirators and Blowers-3 Nos.; Control
Panels-3 Nos.; Destoner-1 No. and Pedal Mixer -2 Nos. The total cost of plant and
machinery has been estimated at 9.25 Lakh ( inclusive of the cost of electrical
motors for driving the machines). The plant and machinery proposed are as per
design provided by CFTRI Mysore. All these units are proposed to be arranged in a
streamlined layout to give continuity of operation.
Electrical and other items:
The various machines have to be connected to electrical motors of suitable power
ratings for supplying power to them. Accordingly AC -3 Phase motors of different
power ratings, varying from 2.50 Hp to 7.50 Hp will be required for powering the
various unit operations of the dal mill. The total cumulative Hp ratings of all these
motors will be in the vicinity of 15.50 Hp. The cost of the electrical motors have
been included along with the cost of plant and machinery. However, a cost of
50,000/- has also been considered for internal wiring and associated electrical work.

Miscellaneous fixed assets:

A cost of 1.30 Lakh under miscellaneous fixed assets has been considered for
meeting the expenses for office furniture, weighing balance/scale, gunny bag
sealing machine, office equipment, fixtures, steel ladders and platforms for cleaning
of machines and equipment etc.
Utilities:
Power
The total connected load for the aforementioned unit will be in the tune of 15.50 Hp
or 11.56 kW. In addition to it power requirement to the tune of 1.00 kW will be
required for general lightening. Thus the total power requirement for the model
project will to the tune of 12.56 kW. Accordingly a a suitable power connection of 20
KVA is required.

Water
The total water requirement of the unit will be 500 litres per day. Water is mostly
required for soaking and for moisture treatment of the grain pulses. Apart from it
water is also required for domestic comsumption purpose.
Standby diesel engines, generator sets and other utilities
Suitable standby power arrangement (DG sets of 20 KVA) may be made under the
project. Accordingly a cost provision of 95,000/- has been made.
Provision for fire fighting:
Necessary provision for fire fighting equipment may be made while installing the dal
mill. Accordingly a cost provision of 15,000/- has been made.
Provision for Insurance:
Necessary provision for insurance may be made while installing the dal mill.
Accordingly provision for insurance @1% of the original cost of fixed asset has been
made.
Contingencies:
A 5% contingency provision is made for unforseen expenses.
Organizational setup:
A minimum of five permanent employees: Two operators, one accountant cum store
keeper and two watch and ward person are required for the unit. Besides two skilled
and 10 unskilled workers are required under the scheme.
Eligibility of borrowers:
The borrowers can be proprietary and partnership firms, cooperatives, joint stock
companies, corporations, APMC boards, growers associations , NGOs, PVOs etc.
Repayment:
The repayment schedule has been calculated considering the tenure of term loan to
be 9 years , inclusive of a grace period of 2 years. However, banks are free to
decide upon the repayment schedule depending upon the net cash flow statements
and availability of adequate coverage to repay the term loan installment.

Interest rates for ultimate borrowers:

Banks are free to decide the rate of interest within the overall RBI guidelines.
However, for working out the financial viability and bankability of the model project,
we have assumed the rate of interest as 12% p.a.
Interest rate for refinance from NABARD:
As per the circulars issued by NABARD from time to time
Security:
Banks may take a decision as per RBI guidelines
Results of financial analysis are as under:
The financial analysis of the investment on the improved dal mill having an installed
capacity of 480 MT/ annum has been attempted and is placed from Annexures I to
VII. The project has a margin money component of 25% with the rate of interest on
term loan and working capital as 12% p.a. and 13% p.a. respectively. For this
project, the financial indicators of the investment are as under: Net Present Value @
15% DF (NPW) = 12.37 lakh Internal Rate of Return (IRR) = 25.04 % Benefit Cost
Ratio (BCR) = 1.03:1 Average Debt Service coverage Ratio (DSCR) = 1.54:1

Small Scale Industries

A small scale industry (SSI) is an industrial undertaking in which the investment in fixed assets
in plant & machinery,whether held on ownership term or on lease or hire purchase, does not
exceed Rs. 1Crore. However, this investment limit is varied by the Government from time to
time.
Entrepreneurs in small scale sector are normally not required to obtain a licence either from the
Central Government or the State Government for setting up units in any part of the country.
Registration of a small scale unit is also not compulsory. But,its registration with the State
Directorate or Commissioner of Industries or DIC's makes the unit eligible for availing different
types of Government assistance like financial assistance from the Department of Industries,
medium and long term loans from State Financial Corporations and other commercial banks,
machinery on hire-purchase basis from the National Small Industries Corporation,etc.
Registration is also an essential requirement for getting benefits of special schemes for

promotion of SSI viz. Credit guarantee Scheme, Capital subsidy, Reduced custom duty on
selected items, ISO-9000 Certification reimbursement & several other benefits provided by the
State Government.
The Ministry of Micro, Small and Medium Enterprises acts as the nodal agency for growth and
development of SSIs in the country. The ministry formulates and implements policies and
programmes in order to promote small scale industries and enhance their competitiveness. It is
assisted by various public sector enterprises like:

Small Industry Development Organisation (SIDO) is the apex body for assisting the
Government in formulating and overseeing the implementation of its policies and
programmes/projects/schemes.

National Small Industries Corporation Ltd (NSIC) was established by the Government
with a view to promoting, aiding and fostering the growth of SSI in the country, with
focus on commercial aspects of their operation.

The Small Scale Industry is an enterprise whose employee count and revenue falls below certain
levels. Small Scale Industries in India provide job opportunity to more than 65 million people.
Internationally SMEs report for 98% of business statistics and are accountable for triggering
originality and competition.
Small scale industry in India is renowned for its socio economic growth factors and even
industrial expansion. One of the unique features of small scale industry is that its growth has
generated better job prospects helping free enterprise and inculcation of expertise besides
guaranteeing better utilization of limited fiscal reserves and technology. Additionally, they play
an important part in attaining the economic targets and sociopolitical aims.
Establishing a small scale enterprise requires detailed project report so that promoters can
understand that in how many years the endowments can be forfeited. Project Report for Small
Scale Industry helps in identifying the product line and target market of the sector, besides
evaluating the level of skill and accuracy. Hence, a small scale industry project report must
contain 5-7 years evaluations in context of revenues, expenditures, cash flows and outflows,
balance sheet of legal responsibilities and assets in hand, and reimbursement agendas of working
capital and long-term loans, etc. In this way the endorsers can make use of the estimations
provided by the firm in the project reports and compare it with the real performance and
accordingly take remedial steps against the negative disparities.
The promoters establishing their commercial enterprises without considering the project reports
are taking a big risk as they are equipped with any measuring units to assess the firm's

performance. In the competitive market ambiance, industrialist must not make a foray into a new
sector or set up a new business without preparing Project Reports.
While preparing the project report for small scale industry always keep in mind that the
statistical figures are not discouraging for the promoters. The project valuation should encourage
a sense of practicality among them.
The other users who could require the project reports are industrialists, Financiers, banks,
Financial Analysts, merchants, clients, certifying authorities, Management Accountants, etc - See
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