Bankable Project

PROJECT REPORT
OF
SHRI KARANBIR
VILLAGE RUHLA KHERI, TEHSIL JAGADHRI,
DISTRICT YAMUNA NAGAR, HARYANA
____________________________________________________________________________________
For setting-up of Poly-House on 8000 Sq Mt of

Agriculture Land for growing Rose Flower
Subsidy under NHB Scheme
Shri Karanbir
Poly-house Project
INTRODUCTION
Karanbir S/o Shri Dalip Singh R/o House No 64, Village Ruhla Kheri, Tehsil Jagadhri, District
Yamuna Nagar, Haryana, an agriculturist, is planning to establish a unit of poly house. The unit
will be established at Village Ruhla Kheri, Tehsil Jagadhri, District Yamuna Nagar, Haryana. The
promoter of the unit is having enough Experience in agriculture and can very well run the poly
house professionally.
In addition, technical assistance shall be provided by private agency which shall establish the
poly house. The promoter has signed Memorandum of Agreement with private agency Viz M/s
Punjab Agro Farming for setting up Poly House. It is proposed to set up two poly house
structures which will entrench total area measuring 8000 sq meter. In addition other ancillary
structure such as water tank, labour quarter & other farm equipment shall be established along
with bed preparation & planting material etc.
In conventional agronomical practices, the crops are being grown/cultivated in the open field
under natural conditions where the crops are more susceptible to sudden changes in climate i,e
temperature, humidity, light intensity, photo period & other conditions to which the quality,
yield of particular crop can get effected & may be decreased. In India, Traditional farming is
prevalent but now new farming technology like poly house farming provides better income in a
short period of time with less labor. Poly House farming is an alternative new technique in
agriculture gaining foothold in rural India. It reduces dependency on rainfall & makes the
optimum use of land & water resources. Poly house farming can held the farmer generate income
around the year growing multiple crops.
Poly houses are built of a pre-galvanized channel cum tubular structure /tubular structure
wherein crops are grown under favorable controlled environment & other conditions viz
temperature, humidity, light intensity, ventilation, soil media, disease control, irrigation,
fustigation throughout the season irrespective of natural condition outside.
The proposed cost of poly house & Net house is found in line with the Model bankable project of
NABARD.
The project envisages for establishing Poly House on 8000 sq mt of agriculture land for growing
rose flower with total project cost of Rs. 135.25 Lacs which shall be met out through term loan of
Rs. 97.00 Lacs & remaining through promoters own sources/capital of Rs. 38.25 Lacs. Under
NHB Scheme, there will be a back-end subsidy of Rs. 56.00 Lacs which will come within 6
months of implementation of the project.
Shri Karanbir
Poly-house Project
PROJECT AT A GLANCE
A)
PARTICULARS OF THE UNIT
i)
Name of the Applicant
: Shri Karanbir S/o Shri Dalip Singh
ii)
Constitution
: Individual
iii)
Address
iv)
PAN No.
: BNGPK0611M
v)
D.O.B
: 10.03.1980
B)
PARTICULARS OF THE PROJECT:
: House No 64, Village Ruhla Kheri, Tehsil Jagadhri,

District Yamuna Nagar, Haryana
i) Cost & Means of Project

Cost of Project
Total
Means of Finance
(Rs. in lacs)
Total
Functional Infrastructure
29.80
Promoters Capital
38.25
Complete Drip Irrigation System
9.00
Term Loan
97.00
Pre-op Exp
5.57
Poly House
56.80
Planting Cost for Rose Flower
34.08
Total
135.25
Total
135.25
ii) Term loan Vs margin assessment

S.NO.
(Rs. in lacs)
Eligible
Term
loan
22.09
Cost consider for financing
Cost
Margin
29.80
25%
Complete Drip Irrigation System
9.00
25%
6.75
Pre-op Exp
5.57
100%
Net House
56.80
25%
42.60
Planting Cost for Rose Flower
34.08
25%
25.56
Total
135.25
Shri Karanbir
Poly-house Project
97.00
iii) IMPORTANT FINANCIAL PARAMETERS

-
Debt Equity Ratio
2.54:1
Promoters' Contribution
28.28%
D. S. C. R. (Avg.)
4.91
Status of Approvals
Being the agriculture activity going to be commenced upon agriculture land, there is
no need for any specific approval from any department.
Schedule/Status of Implementation
Levelling and other work will be done upto July 2015. Poly Houses will be installed
by the month of August September 2015. From October 2015 onwards, plantation of
crop shall be done and Production will come from January 2016 onwards.
The disbursement will be taken as follows:
Particulars
Month
Foundation & Erection, Purchase of

Seeds,
Land
Development,
Drip
Irrigation System, Soil Replacement
Poly-sheets, Aluminium Sheets, Water
Tank, Bed Making, Soil Treatment, Anti
Bird Net, Borewell
Cold Store Room, Labour Room,
Boundary wall
July 2015
Disbursement
Amount (Rs.
In Lacs)
53.85
August
2015
34.90
September
2015
8.25
FINANCIAL INDICATORS
For the year ended
Particulars
Gross Sales
Net Sales & other
Income
Growth %
Cost of Goods Sold
Gross Profit
GP/Net Sales %
Shri Karanbir
Poly-house Project
31.03.16 31.03.17 31.03.18 31.03.19 31.03.20 31.03.21 31.03.22

Proj
Proj
Proj
Proj
Proj
Proj
Proj
15.56
65.52
68.80
68.80
68.80
68.80
68.80
15.56
65.52
321%
35.10
30.42
46.42%
68.80
5%
33.75
35.04
50.94%
68.80
0%
32.75
36.05
52.40%
68.80
0%
32.06
36.74
53.40%
68.80
0%
31.65
37.15
54.00%
68.80
0%
31.50
37.30
54.22%
8.73
6.83
43.89%
Selling & Adm. Exp.

Interest
Pre-Opp Exp W off
Operating Profit
Non operating surp.
PBT
Taxes
PAT
Profit Distributed
Retained Profit
Depreciation
Cash Generation
Net Profit/ Net Sales
0.47
1.28
0.00
5.09
0.00
5.09
0.00
5.09
0.76
4.32
4.24
8.56
32.69
1.97
4.59
0.00
23.86
0.00
23.86
0.00
23.86
3.58
20.28
16.40
36.68
36.41
2.06
3.78
0.00
29.20
0.00
29.20
0.00
29.20
4.38
24.82
14.27
39.09
42.45
2.06
2.96
0.00
31.02
0.00
31.02
0.00
31.02
9.31
21.71
12.42
34.14
45.09
2.06
2.14
0.00
32.53
0.00
32.53
0.00
32.53
9.76
22.77
10.82
33.59
47.28
2.06
1.33
0.00
33.76
0.00
33.76
0.00
33.76
10.13
23.63
9.43
33.06
49.07
2.06
0.51
0.00
34.72
0.00
34.72
0.00
34.72
10.42
24.31
8.23
32.54
50.47
COMMENTS ON FINANCIAL INDICATORS
Sale: - We have proposed sales turnover of Rs. 15.56 Lacs & Rs. 65.52 Lacs during the
financial year 2015-16 & 2016-17 respectively. For arriving out at the sales level, there are
production & price factors which determine the sale projections. The production and
sales for the first year have been estimated for a period of 3 months. We have analyzed
the production factors & price factors in detailed guidelines issued by NABARD & Deptt
of Horticulture. Promoter has proposed to grow the rose flower in 8000 Sq Mt (02
houses).
DETAILS OF PRODUCTION FOR ROSE
QUANTITY
Plant Population @ 7 Plant / Sq Mtr

(8000 Sq Mt x 7)
56,000
Total Production @ 26 cut flowers / Plant
14,56,000
Less: Loss of Produce (10%)
1,45,600
Produce available for sale
ITEM
13,10,400
2015-16
2016-17 2017-18 2018-19 2019-20 2020-21 2021-22
(3 Months)
Quantity (In No.s)

Rose
3.28
13.10
13.10
13.10
13.10
13.10
13.10
4.75
5.00
5.25
5.25
5.25
5.25
5.25
15.56
15.56
65.52
65.52
68.80
68.80
68.80
68.80
68.80
68.80
68.80
68.80
68.80
68.80
Selling Price (In Rs) per Flower

Rose
Amount (Rs in Lacs)
Rose
Total Sales
Shri Karanbir
Poly-house Project
Profit: - For calculating the economic viability of project, revenue & cost factors have
been taken as per prevailing market rates & market trends observed during the previous
year. The Promoters are expected to earn profit of Rs. 5.09 Lacs with profitability of
32.69% & 23.86 Lacs with profitability of 36.41% during the financial year 2016 & 2017
respectively.
Provision of Planting Material: Life of Rose is 60 Months. Hence, a capital cost of Rs.
17.00 Lacs per acre is incurred on planting material every 5th year. In order to provide a
true and fair picture of profits, an amount of Rs. 1.70 Lacs during the 1st year and Rs. 6.80
Lacs thereafter is created as provision every year for the same.
PARTICULARS
1.FIXED ASSETS
Projected
31.03.16
135.25
4.24
131.01
Projected
31.03.17
135.25
20.64
114.61
Projected
31.03.18
135.25
34.91
100.34
Projected
31.03.19
135.25
47.33
87.92
Projected
31.03.20
135.25
58.15
77.10
Projected
31.03.21
135.25
67.59
67.67
Projected
31.03.22
135.25
75.82
59.43
2.1 Cash & Bank Bal.

2.2 Sundry Debtors
2.3 Misc. C.A.'s
2.4 Sub Total (2.1+2.2+2.3)
2.5 Inventory
2.6 Sub Total (2.4+2.5)
3. CURRENT LIABILITIES
8.21
0.21
56.00
64.42
0.21
64.62
45.11
0.22
56.00
101.33
0.22
101.55
84.42
0.23
56.00
140.65
0.23
140.88
118.79
0.23
56.00
175.02
0.23
175.25
123.72
0.23
56.00
179.95
0.23
180.18
157.03
0.23
56.00
213.26
0.23
213.49
189.81
0.23
0.00
190.04
0.23
190.26
3.1 Loans & Advances

3.2 Sundry Creditors
3.3 Prov. For Taxes
Prov. For Dividend
3.4 Other Current Liability
3.5 Sub Total (3.1 To 3.4)
3.6 Bank Borrowing
3.7 Sub Total (3.5+3.6)
3.8 Net Current Assets
4. 1NVTT. & NCA'S
TOTAL (1.3+3.8+4)
0.00
0.00
0.00
0.00
1.70
1.70
0.00
1.70
62.92
0.00
193.94
0.00
0.00
0.00
0.00
8.50
8.50
0.00
8.50
93.05
0.00
207.66
0.00
0.00
0.00
0.00
15.30
15.30
0.00
15.30
125.58
0.00
225.92
0.00
0.00
0.00
0.00
22.10
22.10
0.00
22.10
153.15
0.00
241.07
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
180.18
0.00
257.28
0.00
0.00
0.00
0.00
6.80
6.80
0.00
6.80
206.69
0.00
274.35
0.00
0.00
0.00
0.00
13.60
13.60
0.00
13.60
176.66
0.00
236.10
95.36
0.00
95.36
88.80
0.00
88.80
82.24
0.00
82.24
75.68
0.00
75.68
69.12
0.00
69.12
62.56
0.00
62.56
0.00
0.00
0.00
38.25
42.58
62.86
87.68
109.39
132.16
155.79
56.00
56.00
56.00
56.00
56.00
56.00
56.00
1.1 Gross Block

1.2 Depreciation
1.3 Net Block
2. CURRENT ASSETS
FINANCED BY
5. LONG TERM LOANS
5.1 Secured
5.2 Unsecured
5.3 Sub Total (5.1+5.2)
6.SHARE HOLDER FUNDS
6.1 Equity Share Capital
6.2 Share Application money
6.2.1 Subsidy
Shri Karanbir
Poly-house Project
6.3 Reserve & Surplus

6.4 Sub Total(6.1+6.2+6.3)
6.5 Intangible Assets
6.6 TNW
TOTAL (5.3+6.6)
4.32
98.58
0.00
98.58
193.94
20.28
118.86
0.00
118.86
207.66
24.82
143.68
0.00
143.68
225.92
21.71
165.39
0.00
165.39
241.07
22.77
188.16
0.00
188.16
257.28
23.63
211.79
0.00
211.79
274.35
24.31
236.10
0.00
236.10
236.10
0.97
0.75
0.57
0.46
0.37
0.30
0.00
7. D/E Ratio (5.3/6.6)
Net Current Assets/ Current Ratio: - Liquidity seems to be sufficient for the project.
D/E Ratio: - During the first year, debt/equity ratio is estimated 0.97 which is within the
benchmark level of 3. With the repayment of term loan & ploughing back of profit, this
ratio is expected to experience the declining trend by which it is estimated to reach at
0.75 during 2nd year.
Debt Service Coverage Ratio (DSCR) after considering subsidy of Rs. 56.00 Lacs:
Particulars
Sources
Net Retained Profit
Depreciation
P&P Written Off
Net Cash Accrual
TL Interest
Total Sources
Obligations
TL Installment
TL Interest
Total Uses
Gross DSCR
Average GDSCR
Average Net DSCR
2016
2017
2018
2019
2020
2021
2022
5.09
4.24
0.00
9.33
1.28
10.60
23.86
16.40
0.00
40.26
4.59
44.86
29.20
14.27
0.00
43.47
3.78
47.25
31.02
12.42
0.00
43.44
2.96
46.40
32.53
10.82
0.00
43.35
2.14
45.49
33.76
9.43
0.00
43.19
1.33
44.52
34.72
8.23
0.00
42.96
0.51
43.47
1.64
1.28
2.92
6.56
4.59
11.15
6.56
3.78
10.34
6.56
2.96
9.52
6.56
2.14
8.70
6.56
1.33
7.89
6.56
0.51
7.07
3.64
4.02
4.57
4.87
4.91
6.49
5.23
5.64
6.15
Average DSCR: 4.91 which is at satisfactory level and shows sufficient cash flow to payback the
proposed debt and which is with banks bench mark level.
Debt Service Coverage Ratio (DSCR) without considering subsidy of Rs. 56.00 Lacs:
Particulars
Sources
Net Retained Profit
Depreciation
P&P Written Off
Net Cash Accrual
TL Interest
Total Sources
Shri Karanbir
Poly-house Project
2016
2017
2018
2019
2020
2021
2021
5.09
4.24
0.00
9.33
5.03
14.36
23.86
16.40
0.00
40.26
10.87
51.13
29.20
14.27
0.00
43.47
8.94
52.41
31.02
12.42
0.00
43.44
7.00
50.45
32.53
10.82
0.00
43.35
5.07
48.42
33.76
9.43
0.00
43.19
3.14
46.33
34.72
8.23
0.00
42.96
1.21
44.16
Obligations
TL Installment
TL Interest
Total Uses
Gross DSCR
Average GDSCR
Average Net DSCR
3.88
5.03
8.91
15.52
10.87
26.39
15.52
8.94
24.46
15.52
7.00
22.52
15.52
5.07
20.59
15.52
3.14
18.66
15.52
1.21
16.73
1.61
1.94
2.14
2.24
2.22
2.74
2.35
2.48
2.64
Average DSCR: 2.22 which is at satisfactory level and shows sufficient cash flow to payback the
proposed debt and which is with banks bench mark level.
The DSCR of the project is above the benchmark levels throughout the tenure of term
loan. The accruals of the firm are sufficient to meet the debt obligations of the term loans.
There is 7 months moratorium period and the repayment of the term loan will start from
March 2016.
Techno-Economic Viability:
Protected cultivation is future because Land and Water Natures gift to mankind is not
unlimited and free forever. Everyday population is increasing and due to modernization
the infrastructure work is increasing and day to day agricultural land is becoming less
and less and at the same time the land value is increasing. Also world water resources
are fast diminishing. The one and only answer to this problem is Protected Cultivation.
After detailed study of inter-relationship among soil, water, crop, land terrain and
related agro climatic conditions, design a suitable and economically viable system to the
grower which protects the crop at certain limits and deliver a measured quantity of
water at the root zone of each plant at regular intervals. This is to ensure that the plants
do not suffer from stress or strain of less and over watering, different climatic conditions.
The system installed at the farmers field is commissioned and training imparted to the
farmer, followed by regular after sales services.
The result A totally customized, efficient and long-life system which ensures better
yields through protected cultivation and saving in water as well, early maturity and a
bountiful harvest, season after season, year after year. Apart from all this, savings in
labour and fertilizer costs.
Greenhouse/ Poly house/ Poly tunnel/ Net house which protects the crop from High
intensity of light, High rainfall, winds, Insects through Structure, Polyethylene film/
Polycarbonate sheet, Shading nets/ Thermal Nets, Insect Net, Cooling Pad, Exhaust Fan,
Foggers and Drip Systems, fertigation equipment etc. which controls light, temperature,
humidity and Irrigation with fertigation and other required growth substances directly
into the root zone of the plant. Water and nutrients enter the soil from the emitters,
moving into the root zone of the plants through the combined forces of gravity and
capillary. In this way, the plants withdrawal of moisture and nutrients are replenished
almost immediately, ensuring that the plant never suffers from water stress, thus
enhancing quality, its ability to achieve optimum growth and high yield.
Shri Karanbir
Poly-house Project
Economic Feasibility
a) Name of the major suppliers: M/s Punjab Agro Farming
b) Region/Area where the product will be sold: The unit will sell their produce in the
market of Haryana, Punjab & Delhi.
c) Extent of competition and other units engaged in the similar activity in the
region/area: There is no competition. The cut flower like Rose is used in preparation of
bouquets, floral arrangements and social occasions. Hence there is huge demand for cut
flowers in domestic as well as in international market.
d) Volume of orders in hand: There is a great demand of flowers in parts of Haryana,
Punjab & Delhi. Hence sale should not be a problem.
e) Availability of Raw Materials: Raw Material is locally available.
f) Position of labour supply in the area: Labour is easily available.
g) Availability of Power: Power is already installed.
h) Note on marketing tie up arrangement: The product to be grown by firm has great
demand in the surrounding areas.
i) Access to the site & transportation: Unit is well connected by road.
j) Water Supply: Available
ROSE CULTIVATION PROCESS

Introduction
Depending on the species and varieties, roses have various uses. They may be used as
cut flowers, and garden plants. They may also be used in making rose oil, rose water and
gulkhand. Model project is on production of roses for use as cut flowers, which have an
important place in preparation of bouquets, floral arrangements, worship, social
occasions and presentation of gifts. Measured in terms of volume of trade in the
international market cut roses rank first in popularity. Further, with the advancement in
production and marketing of cut roses and also on account of recent economic
liberalisation there has been an upsurge of interest in production of cut roses in plastic
green houses in India.
Climate
Plenty of light, humid and moderate temperature ranging from 150C to 280C may be
considered as ideal conditions for roses in the tropical and subtropical climate of India.
Shri Karanbir
Poly-house Project
At temperature below 150C roses can be grown, but the interval between flushes become
longer. At higher temperature, say above 300C, roses can be grown provided high
humidity is maintained and evaporation is slowed down.
Soil
Well drained soil rich in organic matter and oxygen is good for roses. Organic matter as
high as 30 per cent in the top 30 cm of the growing beds is preferred by many growers.
The pH of the soil should be around 6 to 6.5.
Bed Preparation
Top width 90 cm
Bottom width 100 cm
Height 45 cm
Path way 50 cm
Planting Distance
Plant to Plant distance: 17 cm
Row to Row distance: 45 cm
Planting Material
Rose plant used for plantation should be 2-3 month old and have minimum two dark
green colour leaves. Bud union of rose plant should not be covered with soil. It should
be 2-3 cm above the ground level. The sprout coming out of the union should face
towards the path at the time of plantation. Rose plants are planted in a zigzag method on
the bed.
Types of Roses and Varieties
The major types of roses which are commercially important are as under:
Hybrid Tea Roses: These have large flowers (4 cm.) long stems (125 cm). Yield
varies from 100-200 stems/sqm. Hybrid Teas fetch higher price than other types.
A few well-known varieties of this group are SONIA, VIVALDI, TINEKE,
MELODY, DARLING and ONLY LOVE.
Floribunda Roses : These have small flowers (2.5 cm) and shorter stems (less than
60 cm), but yield much higher than other types. Examples of this type are
FRISCO, MERCEDES, JAGUAR, KISS and FLORENCE.
Spray Roses : A single stem of this type may carry 5-6 flowers, but stem yield per
sqm is low. Important varieties belonging to the type are EVELIEN, JOY and
NIKITA.
Manures and Fertilizers
Organic manures are required to be added so that top 30 cm of the soil has 30% organic
matter content. Application of nutrients should be based on analysis of soil and plant. In
the present model the cost has been estimated based on 250 fertigation days and 1.2g
dose of fertilizers per day per sq. meter.
Shri Karanbir
Poly-house Project
Cultural Practices
For proper growth of rose plant and high production special cultural practices are to be
carried out as follows:
Initial plant development / mother shoot bending: If the young plant is allowed
to flower immediately after planting there is serious risk that the important
structural frame work of the plant will be impaired. The various types of plants
require different treatment. First flower is pinched after one month from the date
of plantation so that 2 to 3 eyes bud will sprout on main branch to grow as
branches and these branches in turn will form buds. When the plant attains this
stage of growth, the mother shoot is to be bent towards the direction of path. This
cultural operation in rose plants is done to initiate bottom break ground shoot.
The maximum leaf area is required to build up a strong root system. The mother
shoot is bent nearer to the bud joint.
Plant structure development: To develop more growing points and plant
structure development plays an important role. After planting ground shoot will
start growing from crown of plant. The weak ground shoots should be bent at
ground level, for forming a basic and strong frame work of plant structure for
production throughout their life cycle. the strong ground shoots should be cut at
5th five pair of leaves after four and half months from the date of plantation. The
medium ground shoots should be cut at 2nd or 3rd five of leaves.
Bending in roses: Bending helps in maintaining enough leaf area on the plants.
The maximum leaf area is required to build up a strong root system. Leaves are
important for producing carbohydrates. The mass of leaves is also known as the
lungs of the plant. The growing suckers should be removed in order to check new
growth on the bended stem. The buds should be removed from the bended stem
in order to check the incidence of thrips and bud rot (botrytis). Only weak and
blind shoots are selected for bending. Bending breaks apical dominance of the
plant. It is continuous process and hence carried out throughout the life cycle.
Bending should be such that the most of the stems lay below horizontal. In
summer season it is generally advised not to go for bending as it provides
favourable condition for mites incidence. Bending is done on 1st or 2nd five pair
of leaves. One can also grow roses in green house without bending by keeping
some blind shoots on plants in standing position for extra photosynthesis and
uptake of water nutrients. While bending the stems, the care should be taken that
the stem will not break and the leaves will not touch the soil on the bed.
Disbudding: Standard varieties are those with one flower on each stem. But as
nearly all varieties produce some side buds below the center bud. these side buds
have to be removed. The removal of these buds is known as disbudding. It should
not be done too early or too late. If done too early it may harm leaves and if done
too late then large wounds in the upper leaf axil can take place. When bud attain
pea-size and shows slight colour then it is right time to do disbudding. For most
spray varieties, the center crown bud is to be removed. Disbudding is generally
done on weak stem so that it can convert itself to thick stem and in future cuts can
Shri Karanbir
Poly-house Project
be taken. Thick stem produce strong sprouts whereas then stem gives out weak
sprouts
Pinching: Removal of unwanted vegetative growth from the axil of leaf below the
terminal bud is called pinching. This helps to get good quality flowers and buds
and avoids wastage of energy in the development of auxiliary bud if done at right
stage and right time. It leads to apical dominance.
Wild shoot (root stock) removal: Wild shoots are the unwanted growth that takes
place at the union on the root stock. They should be removed at the earliest as
these will deplete nutrients and checks growth and development of plant. They
should not be cut but removed from its union by pressing it with thumb in order
to check its further sprouting.
Support of the plants: The support system consists of bamboo / GI pipes / 'L'
angles inserted on both sides of bed at the start and end of the bed. Post are
placed at intervals of 3m on both sides of the bed, along the sides of bed, fastened
at the posts at 30 cm 40 cm intervals are 14 gauge GI wires or plastic string to
support the plant. Between the wires across the bed, thin strings can be tied to
keep the width of the bed constant. Support system makes intercultural operation
easy and protects the buds from being damaged by not allowing the stems bend
into the path.
Pruning: Stems are cut back leaving 4-5 nodes on the basic stock frame, removing
all weak shoots and redirecting the wayward ones. This may be practised in a
phased manner so that flowering takes place from September to March.
Generally, flowering takes place 45 days after pruning.
Irrigation
Rose plant require a lot of water, at least 6mm/day i.e. 60cum/ha/day. A drainage line
may be laid below the beds for disposal of excess water.
Pest And Diseases
The principal diseases of rose are downy mildew, powdery mildew, botrytis, pruning
die back & black leaf spot whereas major insect pests of the rose are red spider mite, leaf
roller, aphids, thrips & white fly.
Control Measures
The preventive spray programme with a volume of 1500 litres/spray at an average
interval of once in a week is suggested. The pesticide/fungicide may be applied as
under:
Dithane M-45 0.6 gm/litre
Metasystox 1.25 ml/litre
Karathane 1.00 ml/litre
Harvesting
Roses should attain the right stage for harvesting. If cut too early, flowers miss reserve
food and therefore, may not develop into full flowers. If cut too late, longevity
diminishes. As such, roses should be cut just as the buds are opening, after the sepals
Shri Karanbir
Poly-house Project
have almost fully curled up and the colour is fully visible. In small flowered varieties
and Floribundas, the flowers are cut just when they begin to open the cluster. The
cutting may be done in the evening or early morning with long stem. The lower end of
cut stems are immediately placed in clean plastic buckets containing a clean solution of
500 ppm citric acid or in chrysal - RVB. Thereafter, the buckets containing cut roses are
brought to the grading and packing Shed/Hall.
Harvesting Stages
S.No. Particulars
1
2
3
Ground
shoot
cutting
First harvesting
Second / Regular
harvesting
Place of cutting
At 5th five pair of leaves from bottom

of plant
2nd or 3rd five pair of leaves from first
cut
2nd or 3rd five pair of leaves from first
cut
Month from date

of
plantation
3 to 3.5
4.5 to 5
6th
month
onwards
daily
harvesting
The rose should be cut with the help of sharp cut and hold secateurs. Ground shoot
cutting should be done on 5th five pair of leaf then one or two eye buds sprout from
lower leaves below the cut. These sprouts will grow into flowers in the period of 35 to 50
days. This varies from variety to variety. Later on the first harvest should be taken on
2nd or 3rd five pair of the leaves above the first cut. During summer season or when
there is less leaf area on plant it is always advisable to take cut on 3rd five pair of leaves
above the first cut. Always bend thin stems and take cut on 3rd five pair of leaves above
the first cut. Always bend thin stems and take cut on thick stems to get strong shoots.
The regular harvesting is done on 2nd five pair of leaves. Sometimes under cutting is
also practiced as it is an important technique to keep rose plants at reasonable height.
Harvesting cut should be sharp and inclined direction for avoiding the deposition of
water or spray solution. When the temperature is low in the green house harvesting is
done only once i.e. during early morning hours. When there is high day temperature it is
necessary to take second harvesting in later afternoon. Cut stages of roses play an
important role in harvesting. Cut stages of roses for export is stage 0 and 1 whereas cut
stage is 2 and 3 for domestic market.
Yield
Average yield of roses is 30 to 35 stem/ plant per year.
Grading
Flowers should be graded into different classes according to their qualities. Grading is
done on a mechanical grader or by hand grading tables or work stations.
Packaging
Packing comprises three steps: bunching, wrapping and packing. The heads of roses are
evened up and their stem tied with a rubber band into bunches in 10s, 20s, 25s, or 50s
Shri Karanbir
Poly-house Project
depending on the ultimate market. They are cut so that all the stems are of the same
length. The bunches are placed in preservative solution and may be shifted to the cold
store. They are brought back to the packing hall and the buds are wrapped and bunches
are sleeved in transport polyethylene. The wrap is a 15-20 cm. wide plastic strip which
acts as a cushion for the buds. Many different cardboard boxes are used for packing. For
long term transport it is best to use telescopic style boxes made of corrugated fibreboard.
The size could be 100 cm x 45 cm x 22 cm. There may be 400 to 1000 stems per box and
weight may vary from 14 to 18 kg/box. Depending on the market, the box is either filled
with one variety, one grade, or mixed colour one grade.
Size of land: Cultivation of Rose Flower is spread in the area measuring 8000 Sq. Mtrs.
The Repayment Schedule of the Term Loan is as given under:Repayment after considering subsidy of Rs. 56.00 Lacs: In 25 quarterly principal
installments of Rs. 1,64,000/- each after moratorium period of 7 months from 1st
disbursement. Monthly interest on term loan during the construction & moratorium
period of the project will be served out separately by the proponent as it is not taken in
the project cost.
Period
January 2016 March 2016
April 2016 March 2017
April 2019 to March 2020
Total
Quarters
1
4
4
4
4
4
4
25 Quarters
Amount
1.64
1.64
1.64
1.64
1.64
1.64
1.64
(Rs in Lacs)
Amount
1.64
6.56
6.56
6.56
6.56
6.56
6.56
41.00
Repayment without considering subsidy of Rs. 56.00 Lacs: In 25 quarterly principal

installments of Rs. 3,88,000/- each after moratorium period of 7 months from 1st
disbursement. Monthly interest on term loan during the construction & moratorium
period of the project will be served out separately by the proponent as it is not taken in
the project cost.
Period
January 2016 March 2016
April 2019 to March 2020
Total
Shri Karanbir
Poly-house Project
Quarters
1
4
4
4
4
4
4
25 Quarters
Amount
3.88
3.88
3.88
3.88
3.88
3.88
3.88
(Rs in Lacs)
Amount
3.88
15.52
15.52
15.52
15.52
15.52
15.52
97.00
Moratorium period is up to February 2016. Interest will be served during the moratorium period
& thereafter as and when due.
The bank will receive back-end subsidy of Rs. 56.00 Lacs by December 2015.
Security
Date of
Valuation
Value in
Rs. in lacs
1. Hypothecation of poly and net house,

plant & machinery and other movable
assets created out of bank finance along
with all kinds of stocks i.e. raw
materials/consumables, crops including
semi finished crops.
31.03.2016
(Proposed)
131.01
2. Registered Mortgage of Agriculture

Land measuring 5 Acres in the name of
Shri Karanbir S/o Shri Dalip Singh
situated in H.B. No. 424, Village Ruhla
Kheri, Tehsil Jagadhri, District Yamuna
Nagar, Haryana
Approx.
Market
Value
260.00
Particulars
Primary
Shri Karanbir
Poly-house Project
Annexure - I
KARANBIR S/O SHRI DALIP SINGH
COST OF PROJECT & MEANS OF FINANCING
(Rs. in Lacs)
TOTAL
AMOUNT
SR. NO. PARTICULARS

A.
COST OF PROJECT
Land
29.80
Complete Automatic Drip Irrigation System
9.00
Including Fogger and pipes

(Rs. 112.50/sqm x 8000 Sq Mt)
4
56.80
Poly House
Shade Net House with Aluminium Sheet
(All Weather Green-House)
(Rs. 710/sqm x 8000 Sq Mt)
Preliminary/Pre-Operative Exp.
5.57
Planting Cost for Rose Flowers
34.08
(Rs. 426/sqm x 8000 Sq Mt)

TOTAL
135.25
B.
MEANS OF FINANCE
Promoter's Capital
38.25
Term Loan
(Including Capital Subsidy Portion of Rs 56 Lacs under NHB Scheme)
97.00
TOTAL
C.
PROMOTERS' CONTRIBUTION %( OVERALL)

PROMOTERS' CONTRIBUTION %( TERM Loan)
D.
DEBT EQUITY RATIO
135.25
28.28%
25.20%
Debt
Capital
1. Term Loan
97.00
1. Capital
2.U L
97.00
DER
2.54
38.25
-
38.25
:1
Annexure-II
DETAILS OF FUNCTIONAL INFRASTRUCTURE
(Rs in Lacs)
SR.
NO.
PARTICULARS
TOTAL
AMOUNT
Cold Store Room
4.00
Labour Quarter
3.00
Water Tank (5,00,000 Litres)
6.00
Boundary Wall
4.00
Anti Bird Net
2.80
Soil Replacement
4.00
Borewell
4.00
Land Development
2.00
TOTAL
29.80
Annexure - III

DETAILS OF PRELIMINARY & PRE-OPERATIVE EXPENSES
Sr. No.
(Rs in Lacs)
Amount
PARTICULARS
Loan Processing
0.45
Misc Exp.
0.20
Interest during Construction
4.92
TOTAL
5.57
Annexure - A
COST OF PRODUCTION & PROFITABILITY ESTIMATES
Sr. No.
PARTICULARS / YEAR
2015-16 2016-17 2017-18 2018-19 2019-20
(Rs in Lacs)
2020-21 2021-22
Gross Sales
Sale of Rose Flower
15.56
65.52
68.80
68.80
68.80
68.80
68.80
Total Sales
15.56
65.52
68.80
68.80
68.80
68.80
68.80
2
i)
Cost Of Production
Provision for Planting Material
1.70
6.80
6.80
6.80
6.80
6.80
6.80
ii)
iii)
Other Charges
Wages
0.25
0.87
1.05
3.83
1.10
4.21
1.16
4.63
1.22
5.10
1.28
5.60
1.34
6.17
iv)
v)
vi)
Power & Fuel

Fertilizers, Medicines, Plants
Repair & Maintenance
0.15
0.23
0.15
0.63
0.95
0.63
0.66
0.99
0.66
0.69
1.04
0.69
0.73
1.09
0.73
0.77
1.15
0.77
0.80
1.21
0.80
vii)
Packaging & Transport
1.15
4.82
5.06
5.31
5.57
5.85
6.15
viii)
Depreciation
Total Cost of Production
4.24
8.73
16.40
35.10
14.27
33.75
12.42
32.75
10.82
32.06
9.43
31.65
8.23
31.50
Selling & Administrative Expenses
0.47
1.97
2.06
2.06
2.06
2.06
2.06
SUB TOTAL (2+3)
9.20
37.07
35.82
34.81
34.12
33.71
33.56
Operating Profit before Interest
6.36
28.45
32.98
33.98
34.67
35.08
35.23
Interest
Term Loan
Working Capital
Total Interest Cost
1.28
1.28
4.59
4.59
3.78
3.78
2.96
2.96
2.14
2.14
1.33
1.33
0.51
0.51
Operating Profit
5.09
23.86
29.20
31.02
32.53
33.76
34.72
Non-Operating Income
Non-OperatingExpenses
Net Non - Operating (Inc/Exp)
Net Profit before Tax
5.09
23.86
29.20
31.02
32.53
33.76
34.72
10
Income Tax
11
Net Profit
5.09
23.86
29.20
31.02
32.53
33.76
34.72
12
13
Withdrawal Rate
WithdrawalAmount
15%
0.76
30%
10.13
30%
10.42
14
15
Retained Profit
Cash Accruals
4.32
9.33
23.63
43.19
24.31
42.96
15%
3.58
20.28
40.26
15%
4.38
24.82
43.47
30%
9.31
21.71
43.44
30%
9.76
22.77
43.35
Annexure - B
ASSUMPTIONS UNDERLYING THE ESTIMATES
OF COST OF PRODUCTION & PROFITABILITY
i) Annual Production Capacity

Rose
14,56,000 Nos per Annum
ii) No of Months in Operations in 2015-16 (New Unit)

iii) Green House Area
Rose
3 Months
8,000
Sq Mtr
iv) Rate of Interest

Term Loan
Working Capital
12.45%
0.00%
Term Loan for a period of 6 years 9 Months including 7 months moratorium period
v) Depreciation as per Income Tax Act 1961
a) Planting Cost for Rose Flower
b) Net House & Drip System
10.00%
15.00%
c) Functional Infrastructure
10.00%
vi) Selling & Administrative Expenses as %age of Sales
3.00%
Annexure - B (1)
SCHEDULE OF DEPRECIATION AS PER INCOME TAX ACT
(Rs in Lacs)
PARTICULARS
Rate of Depreciation %
Planting Cost
for Rose Flower
Net House &

Functional
Drip System Infrastructure
Total
10.00%
15.00%
10.00%
Cost
Preliminary Pre-Operative Capitalized
34.08
1.46
65.80
2.83
29.80
1.28
129.68
5.57
Gross Block
35.54
68.63
31.08
135.25
0.89
34.66
2.57
66.05
0.78
30.30
4.24
131.01
Depreciation (2015-16)
W.D.V & Additions (2015-16)
3.47
9.91
3.03
16.40
31.19
56.15
27.27
114.61
3.12
8.42
2.73
14.27
28.07
47.72
24.55
100.34
2.81
25.26
7.16
40.57
2.45
22.09
12.42
87.92
2.53
22.74
6.08
34.48
2.21
19.88
10.82
77.10
2.27
20.46
5.17
29.31
1.99
17.89
9.43
67.67
2.05
4.40
1.79
8.23
18.42
24.91
16.10
59.43
Annexure - B (2)
DETAILS OF SALES PROCEEDS
( Rs. In Lakhs)
ITEM
2015-16
2016-17
2017-18
2018-19
2019-20
2020-21
2021-22
(3 Months)
(12 Months)
(12 Months)
(12 Months)
(12 Months)
(12 Months)
(12 Months)
Quantity (In No.s)

Rose
3.28
13.10
13.10
13.10
13.10
13.10
13.10
Selling Price (In Rs) per Flower

Rose
4.75
5.00
5.25
5.25
5.25
5.25
5.25
15.56
65.52
68.80
68.80
68.80
68.80
68.80
15.56
65.52
68.80
68.80
68.80
68.80
68.80
Amount (Rs in Lacs)

Rose
Total Sales

DETAILS OF PRODUCTION
Plant Population @ 7 Plant / Sq Mtr
(8000 Sq Mt x 7)
Total Production @ 26 cut Flowers / Plant
Less: Loss of Produce (10%)
Produce available for sale
QUANTITY
56,000
14,56,000
1,45,600
13,10,400
Annexure - C
CASH FLOWS STATEMENT
(Rs in Lacs)
A
SOURCES OF FUNDS
Net profit before tax with long-term
interest added back but after

depreciation
Increase in Capital
Depreciation
Increase in term loan
Provision For Planting Material
Increase in Capital Subsidy
2015-16
Total
B
1
DISPOSITION OF FUNDS
Preliminary & Pre-Operative Expenses
2016-17
2017-18
2018-19
2019-20
2020-21
2021-22
6.36
28.45
32.98
33.98
34.67
35.08
35.23
38.25
4.24
16.40
14.27
12.42
10.82
9.43
8.23
97.00
1.70
6.80
6.80
6.80
6.80
6.80
6.80
56.00
203.56
51.66
54.05
53.20
52.29
51.32
(5.73)
5.57
129.68
(56.00)
Capital Expenditure
Increase in Current Assets
0.41
0.02
0.02
Decrease in Long Term Loans
1.64
6.56
6.56
6.56
6.56
6.56
6.56
Increase in Deposits (Subsidy)
56.00
(56.00)
Interest on Long Term Loans
1.28
4.59
3.78
2.96
2.14
1.33
0.51
Capital cost on Planting Material
28.90
Withdrawal
0.76
3.58
4.38
9.31
9.76
10.13
10.42
195.35
14.75
14.74
18.83
47.36
18.01
(38.51)
Total
C
OPENING BALANCE
8.21
45.11
84.42
118.79
123.72
157.03
NET SURPLUS (A-B)
8.21
36.90
39.31
34.38
4.93
33.30
32.78
CLOSING BALANCE
8.21
45.11
84.42
118.79
123.72
157.03
189.81
Annexure G
PROJECTED BALANCE SHEETS
As on March 31st
(Rs in Lacs)
LIABILITIES
2015-16
Promoter's capital
38.25
Reserve & Surplus
2016-17
42.58
2017-18
62.86
2018-19
87.68
2019-20
109.39
4.32
20.28
24.82
21.71
22.77
95.36
88.80
82.24
75.68
69.12
1.70
8.50
15.30
22.10
56.00
56.00
56.00
195.64
216.16
135.25
4.24
131.01
Inventory
Sundry Debtors
Term Loan
Provision For Planting Material
Capital Subsidy
TOTAL
2020-21
132.16
23.63
2021-22
155.79
24.31
62.56
6.80
13.60
56.00
56.00
56.00
56.00
241.22
263.17
257.28
281.15
249.70
135.25
20.64
114.61
135.25
34.91
100.34
135.25
47.33
87.92
135.25
58.15
77.10
135.25
67.59
67.67
135.25
75.82
59.43
0.21
0.22
0.23
0.23
0.23
0.23
0.23
0.21
0.22
0.23
0.23
0.23
0.23
0.23
56.00
56.00
56.00
56.00
56.00
56.00
8.21
45.11
84.42
118.79
123.72
157.03
189.81
195.64
216.16
241.22
263.17
257.28
281.15
249.70
ASSETS
Fixed Assets
Gross Block
Depreciation
Net Block
Deposits (Capital Subsidy)

Cash & Bank Balances
TOTAL
Annexure - E
DEBT SERVICE COVERAGE RATIO WITH SUBSIDY
Sr. No.
Year Ending 31st March
2015-16
2016-17
2017-18
2018-19
2019-20
(Rs. in Lacs)
2020-21
2021-22
Net Retained Profit
5.09
23.86
29.20
31.02
32.53
33.76
34.72
Depreciation
4.24
16.40
14.27
12.42
10.82
9.43
8.23
Interest on Term Loan
1.28
4.59
3.78
2.96
2.14
1.33
0.51
10.60
44.86
47.25
46.40
45.49
44.52
43.47
1.64
6.56
6.56
6.56
6.56
6.56
6.56
Total Debt
1.28
2.92
4.59
11.15
3.78
10.34
2.96
9.52
2.14
8.70
1.33
7.89
0.51
7.07
D. S. C. R.
3.64
4.02
4.57
4.87
5.23
5.64
6.15
Total
4
Instalment of Term Loan
Average D.S.C.R.
282.59
57.59
4.91

DEBT SERVICE COVERAGE RATIO WITHOUT SUBSIDY
Sr. No.
Year Ending 31st March
2015-16
2016-17
2017-18
2018-19
2019-20
(Rs. in Lacs)
2020-21
2020-21
Net Retained Profit
5.09
23.86
29.20
31.02
32.53
33.76
34.72
Depreciation
4.24
16.40
14.27
12.42
10.82
9.43
8.23
5.03
10.87
8.94
7.00
5.07
3.14
1.21
14.36
51.13
52.41
50.45
48.42
46.33
44.16
3.88
15.52
15.52
15.52
15.52
15.52
15.52
Total Debt
5.03
8.91
10.87
26.39
8.94
24.46
7.00
22.52
5.07
20.59
3.14
18.66
1.21
16.73
D. S. C. R.
1.61
1.94
2.14
2.24
2.35
2.48
2.64
Total
4
Instalment of Term Loan
Average D.S.C.R.
2.22
307.26
138.26
TERM LOAN WITH SUBSIDY

TERM LOAN
INTEREST RATE PER ANNUM
MORATORIUM
INSTALLMENTS
YEAR
2015-16
MONTH
APRIL
MAY
JUNE
JULY
AUG
SEP
OCT
NOV
DEC
JAN
FEB
MARCH
2016-17
APRIL
MAY
JUNE
JULY
AUG
SEP
OCT
NOV
DEC
JAN
FEB
MARCH
2017-18
APRIL
MAY
JUNE
JULY
AUG
SEP
OCT
NOV
DEC
JAN
FEB
MARCH
2018-19
APRIL
MAY
JUNE
JULY
AUG
SEP
OCT
NOV
DEC
JAN
FEB
MARCH
2019-20
APRIL
MAY
JUNE
JULY
AUG
SEP
OCT
NOV
DEC
JAN
FEB
MARCH
2020-21
APRIL
MAY
JUNE
JULY
AUG
SEP
OCT
NOV
DEC
JAN
FEB
MARCH
2021-22
APRIL
MAY
JUNE
JULY
AUG
SEP
OCT
NOV
DEC
JAN
FEB
MARCH
(Rs in Lacs)
97.00
12.45%
7 Months
25
TERM LOAN
OUTSTANDING INSTALMENT INTEREST
53.85
0.56
88.75
0.92
97.00
1.01
97.00
1.01
97.00
1.01
41.00
0.43
41.00
0.43
41.00
0.43
41.00
1.64
0.43
1.64
1.28
39.36
0.41
39.36
0.41
39.36
1.64
0.41
37.72
0.39
37.72
0.39
37.72
1.64
0.39
36.08
0.37
36.08
0.37
36.08
1.64
0.37
34.44
0.36
34.44
0.36
34.44
1.64
0.36
6.56
4.59
32.80
0.34
32.80
0.34
32.80
1.64
0.34
31.16
0.32
31.16
0.32
31.16
1.64
0.32
29.52
0.31
29.52
0.31
29.52
1.64
0.31
27.88
0.29
27.88
0.29
27.88
1.64
0.29
6.56
3.78
26.24
0.27
26.24
0.27
26.24
1.64
0.27
24.60
0.26
24.60
0.26
24.60
1.64
0.26
22.96
0.24
22.96
0.24
22.96
1.64
0.24
21.32
0.22
21.32
0.22
21.32
1.64
0.22
6.56
2.96
19.68
0.20
19.68
0.20
19.68
1.64
0.20
18.04
0.19
18.04
0.19
18.04
1.64
0.19
16.40
0.17
16.40
0.17
16.40
1.64
0.17
14.76
0.15
14.76
0.15
14.76
1.64
0.15
6.56
2.14
13.12
0.14
13.12
0.14
13.12
1.64
0.14
11.48
0.12
11.48
0.12
11.48
1.64
0.12
9.84
0.10
9.84
0.10
9.84
1.64
0.10
8.20
0.09
8.20
0.09
8.20
1.64
0.09
6.56
1.33
6.56
0.07
6.56
0.07
6.56
1.64
0.07
4.92
0.05
4.92
0.05
4.92
1.64
0.05
3.28
0.03
3.28
0.03
3.28
1.64
0.03
1.64
0.02
1.64
0.02
1.64
1.64
0.02
6.56
0.51
Year
2015-16
2016-17
2017-18
Principal
Interest
1.64
1.28
6.56
4.59
6.56
3.78
Months
Installments
9
1
12
4
12
4
2018-19
6.56
2.96
12
4
2019-20
2020-21
2021-22
Total
6.56
2.14
6.56
1.33
6.56
0.51
41.00
16.59
12
4
12
4
12
4
81
25
TERM LOAN WITHOUT SUBSIDY

TERM LOAN
INTEREST RATE PER ANNUM
MORATORIUM
INSTALLMENTS
YEAR
2015-16
MONTH
APRIL
MAY
JUNE
JULY
AUG
SEP
OCT
NOV
DEC
JAN
FEB
MARCH
2016-17
APRIL
MAY
JUNE
JULY
AUG
SEP
OCT
NOV
DEC
JAN
FEB
MARCH
2017-18
APRIL
MAY
JUNE
JULY
AUG
SEP
OCT
NOV
DEC
JAN
FEB
MARCH
2018-19
APRIL
MAY
JUNE
JULY
AUG
SEP
OCT
NOV
DEC
JAN
FEB
MARCH
2019-20
APRIL
MAY
JUNE
JULY
AUG
SEP
OCT
NOV
DEC
JAN
FEB
MARCH
2020-21
APRIL
MAY
JUNE
JULY
AUG
SEP
OCT
NOV
DEC
JAN
FEB
MARCH
2021-22
APRIL
MAY
JUNE
JULY
AUG
SEP
OCT
NOV
DEC
JAN
FEB
MARCH
(Rs in Lacs)
97.00
12.45%
7 Months
25
TERM LOAN
OUTSTANDING INSTALMENT INTEREST
53.85
0.56
88.75
0.92
97.00
1.01
97.00
1.01
97.00
1.01
97.00
1.01
97.00
1.01
97.00
1.01
97.00
3.88
1.01
3.88
5.03
93.12
0.97
93.12
0.97
93.12
3.88
0.97
89.24
0.93
89.24
0.93
89.24
3.88
0.93
85.36
0.89
85.36
0.89
85.36
3.88
0.89
81.48
0.85
81.48
0.85
81.48
3.88
0.85
15.52
10.87
77.60
0.81
77.60
0.81
77.60
3.88
0.81
73.72
0.76
73.72
0.76
73.72
3.88
0.76
69.84
0.72
69.84
0.72
69.84
3.88
0.72
65.96
0.68
65.96
0.68
65.96
3.88
0.68
15.52
8.94
62.08
0.64
62.08
0.64
62.08
3.88
0.64
58.20
0.60
58.20
0.60
58.20
3.88
0.60
54.32
0.56
54.32
0.56
54.32
3.88
0.56
50.44
0.52
50.44
0.52
50.44
3.88
0.52
15.52
7.00
46.56
0.48
46.56
0.48
46.56
3.88
0.48
42.68
0.44
42.68
0.44
42.68
3.88
0.44
38.80
0.40
38.80
0.40
38.80
3.88
0.40
34.92
0.36
34.92
0.36
34.92
3.88
0.36
15.52
5.07
31.04
0.32
31.04
0.32
31.04
3.88
0.32
27.16
0.28
27.16
0.28
27.16
3.88
0.28
23.28
0.24
23.28
0.24
23.28
3.88
0.24
19.40
0.20
19.40
0.20
19.40
3.88
0.20
15.52
3.14
15.52
0.16
15.52
0.16
15.52
3.88
0.16
11.64
0.12
11.64
0.12
11.64
3.88
0.12
7.76
0.08
7.76
0.08
7.76
3.88
0.08
3.88
0.04
3.88
0.04
3.88
3.88
0.04
15.52
1.21
Year
2015-16
2016-17
2017-18
Principal
Interest
3.88
5.03
15.52
10.87
15.52
8.94
Months
Installments
9
1
12
4
12
4
2018-19
15.52
7.00
12
4
2019-20
2020-21
2021-22
Total
15.52
5.07
15.52
3.14
15.52
1.21
97.00
41.26
12
4
12
4
12
4
81
25
National Horticulture Board
APPENDIX- 1
COST NORMS AND PATTERN OF ASSISTANCE UDNER MIDH FOR NATIONAL

HORTICULTURE BOARD RELATED ACTIVITIES DURING XII PLAN
S.No. Item
A.
Cost Norms*
Pattern of Assistance#
Development of Commercial Horticulture ##
A. 1 Commercial
Horticulture
Development
in
open
field conditions, including
components viz planting
material,
plantation,
irrigation,
fertigation,
precision farming, GAP etc.
Rs. 75.00 lakh /per project

(Rs 125.00 lakh for date palm,
olive and saffron) for projects
covering area over 2 ha.
Credit linked back ended subsidy

@ 40% of project cost limited to
Rs.30.00 lakh per project in general
area and @ 50% of project cost
limited to Rs. 37.50 lakh for NE and
Hilly and scheduled areas.
Component-wise/crop-wise cost
norms are given at Appendix
- 1. Add on component given in
appendix-1-A may be added in
project mode within over all cost
ceiling
A. 2 Commercial
Horticulture Rs 112.00 lakh per project Credit linked back-ended subsidy
Development in protected covering area above 2500 @ 50% of cost limited to Rs.56.00
cover.
Sq.mt.
lakh per project.
Protected cultivation
1. Green House structure

(a) Fan & Pad system
Rs. 1400/Sq. m and Rs. 1610/ 50% of cost for above 2500 Sq.m
Sq. m for hilly areas
i) Tubular structure
Rs. 844/Sq. m and Rs.970/Sq. 50% of cost for above 2500 Sq.m
m for hilly areas.
(b) Naturally ventilated

system
ii) Wooden structure
iii) Bamboo structure
2. Shade Net House
(a) Tubular structure
(b) Wooden structure
(c) Bamboo structure

4
5
3.Plastic Tunnel
Walk in Tunnel
Anti Bird/Anti Hail Nets
Rs. 540/Sq. m and Rs. 621/Sq. 50% of cost for above 2500 Sq.m
m for hilly areas
Rs. 450/Sq. m and Rs. 518/Sq. 50% of cost for above 2500 Sq.m
m for hilly areas
Rs. 710/Sqm and Rs. 50% of cost for above 2500 Sq.m
816/Sqm for hilly areas
Rs. 492/Sqm and Rs. 50% of cost for above 2500 Sq.m
566/Sqm for hilly areas
Rs.360/Sqm and Rs.414/Sqm 50% of cost for above 2500 Sq.m

for hilly areas
Rs.60/Sq.m and Rs.75/sq. m 50% of cost for above 2500 Sq.m

for hilly area
Rs.600/ Sq. m
Rs.35/Sq.m
50% of cost for above 2500 Sq.m
74
Operational Guidelines
6
7
8
9
10
Cost of Planting Material Rs.140/Sq.m

and cultivation of High Value
vegetables grown in Poly
House/Shade net House
Cost of Planting Material Rs.610/Sq.m

and cultivation of Carnation
& Gerbera grown in Poly
Cost of Planting Material and Rs.700/Sq.m

cultivation of Orchid and
Anthurium grown in Poly
Cost of Planting Material and Rs.426/Sq.m

cultivation of Rose & Lilium
grown in Poly House/Shade
net House
Plastic Mulching
A. 3 Integrated Post Harvest

Management
Projects
e.g. Pack House, Ripening
Chamber, Refer Van, Retail
Outlets, Pre-cooling units,
Primary Processing etc.
1
Rs.32000/Ha and Rs.36800/ 50% of cost for above 2500 Sq.m

Ha for Hilly Areas
Rs. 145.00 lakh per project.
The
add-on
components
of pre-cooling, pack house,
grading, packing, cold room
can be taken up as individual
components.
Credit linked back ended subsidy

@ 35% of cost limited to Rs.50.75
lakh per project in general areas
and @ 50% of project cost limited
to Rs. 72.50 lakh per project in NE,
Hilly and scheduled Areas, ensuring
backward and forward linkage.
Component wise cost norms of Integrated Post Harvest Management

Pack house
Rs. 4.00 lakh/unit with size of 50% of the capital cost.

9Mx6M
Pre-cooling unit
Cold room (staging)
Rs. 25.00 lakh / unit with Credit linked back-ended subsidy

capacity of 6 MT.
@ 35% of the cost of project in
general areas and 50% of cost in
case Hilly & Scheduled areas for
individual entrepreneurs.
Mobile pre- cooling unit
Ripening Chamber
Integrated pack house Rs. 50.00 lakh per unit with Credit linked back-ended subsidy
with facilities for conveyer size of 9Mx18M
belt,
sorting,
grading
units, washing, drying and
case Hilly & Scheduled areas for
weighing.
individual entrepreneurs.
Rs. 15.00 lakh/ unit of 30 MT Credit linked back-ended subsidy

capacity
case Hilly & Scheduled areas
Rs. 25.00 lakh
Rs. 1.00 lakh/MT (11 CuM

of chamber volume shall be
equivalent of 1 MT of storage
capacity)
75
Credit linked back-ended subsidy

Credit linked back-ended subsidy

M'
Rgt?oFarm
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sren
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;iffi;il;@Jia'com'himaravaasrorarn@smair'com
--
Website: wws''himalayaagrofarm'com
wrls.ftarr-t',rbir
r,
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Vitl'R.^hLVhe'i Tehtil'
Di&tf. \c'v"tl^^t*Ngt
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tnvoice.No.
1 4g
or<terlrti.
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Dated:
PART IGU LARS
rt'i \'\
5 h.^Aal'{e"l-Itou*z
ft[r*^\vr\txt't Qk"t\
.96Eo
1OO% ADVANCEPAYMENT
nlY'
Io r ngricultureuseo
ayaAgroFarm
ForHimalaYa
iffi$';*,f$gli'*,*i:gllt'
Auth.SignatorY
Punj b Agro Farming

Address : vill. BadiSher'Adjoining
Phone: +91-9513000006,
(Ht'l
Pard$h,Toh.& Dbtt.Panchkula
puniabagrofarming@amil.com
M/s. k6q*lrlt
Vill.RuhlEkhe'i,
Dta+f.)o, tv.r
l\\.lry'.^Jhi
lt"ugrv.c-
DoalsIn :
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twreu
gniu tronc&rflgro16#fr;#;ioi;
tnyotcehro.241
orte: ofl'1\1
order No,
Datod:
PARTI
R"aePi",l<
+ae
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D"ig }*dg"hovt,
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iSolooo
TAX FREE
ForAgricu re useonly.
AgmFarming
ForPunlab
wlth in 15 d.Y3.
thls bill d lny thno'
(100%
PrYnnt)
Pavment
bavrllabhaftr] loul wrrkr
in wour of PunlabAgroFatnlng
K Brnk Lld.
Ar{h.SignatorY
VISHVIGRIVIA
BUITDERS& CONTRACTORS
To
Karanbir
VillageRuhlaKheri' ehsil Jagadhri
Distt.Yamuna
Haryana
GOSTESTIMATEAND OUOTATIONS
1) LabourQuatars
= 15x15=225x2
Area = 450 Sqf
Rs.667Sqf
667=Rs. 3'00'150/2) Glod Store
= '16x25=
400x1
Area= 400 Sqf
Rs. 1060Sqf
1000= Rs' 4,00,0001-
3) Boundary
PollsQ
PollsRate
440 x 450 =
of
Deolsin:Consiruction
ShopNo.1,# 273/1,
Ph:+91-991
and Gateand Polls
440
(PerPolls)
1,98,000t-
worktholisflooring,
finishing
Inlerior
including
ondBuilding
commerciol
& Aluminum& Woodwork& oll Civilworksefc.
P.O.P.
Mohotlo.DeroBossi,Distt.S.A.S.Nogor,Moholi,Puniob-I40507
+91-9t668406&,E-moil: vishvkormobuilders50@gmoil.c0m
VISHVIGRIVIA
BUITDERS& CONTRACTORS
F
Boundary
Wire
Gl Wire rate Per
@ Rs.62lWire2700kg
Totalweightof
2700x62 = Rs.
Wall
Boundary
Total Cost
35000/nd /off= Rs.400,400/(1)
4) Borewell
Gost Around /ofF 4'00'000/5) Soil

Cost Around/ofF 4,00,0001
6) Land
CostAround/off=2,00'0001
7) WaterPound
BlackplasticSheet500Mic.
500,000Ltrs
I Cost Around /off= Rs. 6,00,000/'
Total Rs.2700,5501
of
Deolsin:Construdion
ShooNo.1, # 274\,
Ph:+91-991
finishing
worklhotis flooring,
Interior
ondBuildingincluding
commerciol
P.O.P.
& Aluminum& Woodwork& oll Civilworkselc.
Mohollo,DeroBossi,Distt S.A'S.Nogor,Moholl Puniob-140507

E-moil: vishvkormobuilders50@gmoil.com
+91-9466840660,
VISHVIGRIVIA
& CONTRACTORS
BANK DETAILS
A/C NAME:
FOLLOW:& CONTRACTORS
BUILDERS
L/C NO.:752
1000040
IFSC/RTGS
vtJ80007527
S'A'S' NAGAR
A BANK,DERABASSI,PUNJAB, DISTT'
BNAKNAME:
MOHALI,PUNJAB
&
BUILDERS
BE MADEIN FAVOUROF'VISHVKARMA
OR DD
CHEQUE
BASSI
CONTRACTORS'AYABLEAT DERA
& Contr.
Builders
'
Direci
VISHVKARMA
of
Deolsin: Conslrudion
Poi
ShopNo.1,# 27U1,
Ph:+91-991
& CONTRACTORS
worklhol is flooring,
Inlerior
finishing
ondBuildingincluding
l, commerciol
& Aluminum& Woodwork& oll Civilworkselc'

P.O.P.
m Mohollo,DeroBossi,Distf.S.A.S.Nogor,Moholi,Puniob-120507
+91-9t6840660,E-moil: vishvkormobuildersso@gmoil.com
PUNJAB
AGRO TARMING
A6REEMENT
2015 at Panchkula'Haryana
The deed agreementexecutedon this day 07 July
Distt' Yamuna Nagar'
i4;." lGranbir Vill. Ruhla Kheri iehsil Jagadhri
;;;;
..Farmer")which expressionshall be deemedto include
li;;;"
iH"r"in called
his/herheirs,executorsand administrator'
And
by farmerfor installationof Shade
PUNJABAGRO FARMING'A firm Selected
Net (6reen House)and to
Net Housewith AluminumNet with Aluminum
Distt'
, havingits Siteofficeat village. Raliwati'
pRovlDE AFTERSALESERVICES
lndia
;;il,
Haryana'
l2 Panchkula
C Regd.offices.o' ii ttt Flooi'Sector
on the third
and assigns
shallbe deemedto includeits successors

which expression
by JagmalSinghRana)
part (Represented
of
AGRO FARMINC For the installation
FarmerthereforeapproachedPUNJAB
(GreenHouse)having
Net Housewith Aluminum Net
naturallyventilatedSfraae''S0-OO
at their site in Vill' Ruhla Kheri Tehsil
SOlMf
approx'
of
are
measured
JagadhriDistt. Yamuna Nagar' Haryana
of above
agreed to. organize installation
PUNJAB AGRO FARMING' Has
Net (Lreen House)at farmer'sfield
mentionedShadeNet ff""rl'*itf,"efr?"inum
of eachparty
obligations' Responsibilities
'
tonaition
uJ
terms
following
on the
are asunder :
Preinstallationactivities:land
be conduct site survey at farmer's
will
FARMING
AGRO
1. PUNJAB
to be
Aluminum Net (GreenHouse)is
where the Snuat Nti House with
and make
*iil alsopreparedesign
erected'PUNJAB'oZnoionrtniNc'
constestimates'
Net House
work order to.completehis Shade
bv
2. Farmeralsoherebygivesthe
accepted
This is beingdulv
with Aluminu-
PUNJABA6RO FARMING
"i"?"ia;"Houi"l'
FARMING I.
AGRO
PUNJAB
Ambala
Distt.
Teh.
Narayangarh.
{HR)
Raiwali,
Site: Village
12,
Panchkula
Sector
Floor,
75,First
: SCO
Regd.
Office
com
wwwpuniabagrofarming
punjabagrofarming@gmail.com,
info@punjabagrofurming.com,
-9532555655
+91
+91-95S2655655,
+91-9513000006,
PUNJAB
AGRO TARMTHG
per
3. Farmeris her$y agreedto undertakeland work at his own cost as
adviceof PUNJABACRO FARMINCand handover the siteto PUNJAB
of structure'
for installation
ACROFARMING.
agreedto provide facilitieslike electricityand water
4. Farmeris also
requiredduri installationof structurefree of cost'
and
O FARMING shall undertake installation activities
llation work in a maximum period of 90 day of handling
completei
of bankloan'
over of clear e and disbursal
5. PUNJABA
6. Farmer
for storing
farmer.
to provide safestorageplaceto PUNJABAGRO FARMIN6

of
ou, .otpon"nts/instrumenti subjectto watch and ward
Termsof
lO0 o/o
Payment
Countryof
Payment.
: INR
& Supply: lsrael
DeliveryDetails:
payment'
Delivery7 to O daysfrom confirmationorder and advance
Other
of the farmer
the
:ed to settle (pay or receive ) the account .'after
AGRO FARMING has
installation ,i*.,ur" on the field and PUNJAB
agreedto col ect/pay the differenceamount'
l . Farmer is
2 . PUNJAB
for any consequences

O FARMINGwill not be responsible
to amendments
ent contributeentitlementvariation due
out of
like
arising
. reductionin yield, crop damageetc'
;;;.;;i
issuedbY
disposal/ sale/ damage of the
such changei -oJiri.ution / removal /
structurebY
3 . PUNJAB
equipment/
FARMING
AGRO
PUNJAB
Distt.Ambala(HRl
Teh.Narayangarh,
Site: VillageRaiwali,
12,Panchkula
Sector
75,FirstFloor,
ffice : SCO
Reod.
com
www.puniabagro{arming
punjabagrofu
rming@gmail.com,
+91-9592555655
+91-9592655655.
+91-9513000000.
PUNJAB
AGRO FARMING
4. Thefarmerhas ensurethe safetyof the materialfrom the date of the
of the farmer.PUNJAB
suppliedmat I comingin to the possession
for any loessand /or damage
A6RO FARM G shallnot be responsible
and the farmerhasto insurethe costinvolved in
duringhis
replacing
/ lost material.
Otherterms:
1 . The farm
also impa
input in
quality and
PUNJABA
technical
2 . PUNJAB
damages
/
ty doesn't depend on the use of structurealone. lt is

by other factorssuch as planting material, applicationof
of quantity and schedule'incidenceof diseases' the soil
ther conditionsetc. Hence the scopeof responsibilityof
O FARMING is limited to the installation of structure,
nceand interactionwith the farmer.
O FARMING is not responsiblefor any consequential
litiesbeyondthe controlthe PUNJABACRO FARMINC
O FARMINC will guide the farmer after completion of

detailsof operation,activities,maintenancefor successful
structure a
performance.
PUNJABA
4. The farmer
inflate,
andtry to
ould not create any unpleasantsituation and should not

or damagesor loss'if any
te or over estimateinconveniences
and disputesif any amicably'
e differences
during the continuanceof this contract'the performancein

5. lf at any
shall
whole or in rrt by-eitherparty of any obligationunder this contract
public
the
of
act
or delayedby reasonof any war , hostility,
bep
epidemics'
enemy , clvl commotion , sabotage, fires , flood, explosion'
to
-out
(herein
refereed
or actt of God
ion , strikes,lick
quarantine
provided written notice of the happeningof any.such
as event)
ty either party to the other with 60 daysfrom the date of
event is
by entitled
occurrence :etf , neitherparty shallby reasonof such event
claim for damages
to terminatehis contractnoi shalleitherparty have any
or delay in
er in respectof suchnon-performance
againstthe
FARMING
PUNJAB
AGRO
Distt.Ambala
Teh.Narayangarh,
Site:VillageRaiwali,
{HB)
12,ltnchkula
Floor,
Sector
75,First
Begd.0ffice:SCO
punjabagrofu
www.puniabagrotarming.com
rming@gmail.com,
+91-9592555655
+91-9592655655,
+91-951
3000006,
PUNJAB
AGRO FARMING
performanceand deliveries/
services
underthiscontractshallbe resumed
a5 500n a5
6. Any suitor
shallbe i
and by no
j
exclusive
e after suchevent hascometo end or ceasedto exist.

ng to enforcesthe rights of either party this agreement
ed and tried only by a court in the city of Distt. Panchkula
courtr,and partiesheretoexpressly
agreeto submitto
of courtsin Distt.Panchkula.
7. The contents f this agreementhavebeenexplainedfully to the Famerand

the farmer
this
signedthis agreementfully understandingthe contentsof
5ignatures
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I
i
(Farmer)
i*---
FARMING
AGRO
PUNJAB
(HB)
Distt.Ambala
Teh.Narayangarh,
Raiwali,
Site: Village
12,
Panchkula
First
Floor,
Sector
:
SCO
75,
Hegd.
ffice
gmail.com,
www.puniabagroiarming.com
punjabagrofarming@
+91-9592555655
+91-9592655655.
+91-9513000006.
PUNJAB
AGRO TARMING
OFMl'.I{IANB|R vlLL' RUHLA
WATERTESTREPORT
TRRIGATION
NAGAR,HARYANA
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SUITABLETOR
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FARMING
AGRO
PUNJAB
Distt.Ambah{HR)
Teh.Narayangarh,
Site: VillageRaiwali,
12,hnchbla
Sector
75,FirstFloor,
Begd.
0ffice: SCO
rming.com
puniabagrofu
www.punlabagrofu
rming@gmail.com,
+91-9592555655
+91-9592655655,
+91-9513000006,
PUNJAB
AGROFARMING
SOIL TEST
RT OF OF OF OF MR, KARANBIRVILL. RUHLA KHERI
TEHSIL
RI DISTT.YAMUNANAGAR,HARYANA
pH(1:2.5)
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MEDIUMRANGE, APPLY
ORGANICMANURE
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DOSEONLY
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DOESBY
RECOMMENDED
25o/o
MEDIUMRANGEAPPLY
RECOMMENDED
DOESONLY
Availablep
OFFICERS
SOILTESTING
AGRO
FABMING
PUNJAB
Distt.Ambala
Teh.Narayangarh,
{HR}
Site: VillageBaiwali,
12,Panchkula
Fl00r,
Sector
75,
First
Begd.
0ffice: SCO
www.puniabagmfarming.com
puniabagrofarming@gmail.com,
+91-9592555655
+91-95s2655655.
+91-9513000006.

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PROJECT REPORT

For setting-up of Poly-House on 8000 Sq Mt of

PARTICULARS OF THE UNIT

Name of the Applicant

: Shri Karanbir S/o Shri Dalip Singh

PARTICULARS OF THE PROJECT:

: House No 64, Village Ruhla Kheri, Tehsil Jagadhri,

i) Cost & Means of Project

Complete Drip Irrigation System

Planting Cost for Rose Flower

ii) Term loan Vs margin assessment

Cost consider for financing

Complete Drip Irrigation System

Planting Cost for Rose Flower

iii) IMPORTANT FINANCIAL PARAMETERS

Debt Equity Ratio

Foundation & Erection, Purchase of

31.03.16 31.03.17 31.03.18 31.03.19 31.03.20 31.03.21 31.03.22

Selling & Adm. Exp.

COMMENTS ON FINANCIAL INDICATORS

Plant Population @ 7 Plant / Sq Mtr

Total Production @ 26 cut flowers / Plant

Less: Loss of Produce (10%)

Produce available for sale

Quantity (In No.s)

Selling Price (In Rs) per Flower

2.1 Cash & Bank Bal.

3.1 Loans & Advances

1.1 Gross Block

6.3 Reserve & Surplus

7. D/E Ratio (5.3/6.6)

ROSE CULTIVATION PROCESS

At 5th five pair of leaves from bottom

Month from date

Repayment without considering subsidy of Rs. 56.00 Lacs: In 25 quarterly principal

1. Hypothecation of poly and net house,

2. Registered Mortgage of Agriculture

SR. NO. PARTICULARS

Complete Automatic Drip Irrigation System

Including Fogger and pipes

Planting Cost for Rose Flowers

(Rs. 426/sqm x 8000 Sq Mt)

PROMOTERS' CONTRIBUTION %( OVERALL)

DEBT EQUITY RATIO

Cold Store Room

Water Tank (5,00,000 Litres)

Anti Bird Net

KARANBIR S/O SHRI DALIP SINGH

Interest during Construction

2015-16 2016-17 2017-18 2018-19 2019-20

Sale of Rose Flower

Power & Fuel

Packaging & Transport

Selling & Administrative Expenses

SUB TOTAL (2+3)

Operating Profit before Interest

Net Non - Operating (Inc/Exp)

Net Profit before Tax

i) Annual Production Capacity

14,56,000 Nos per Annum

ii) No of Months in Operations in 2015-16 (New Unit)

iv) Rate of Interest

vi) Selling & Administrative Expenses as %age of Sales