1. Water Resources

Sl. No.	Particulars	Specifications		Unit cost for 2020-21	Remarks
1	Dugwell	Dia = 1.5 m, using		48500	Repayment period – 11 to 15 years with 11 months gestationperiod (GP)
					Suitable for Alluvial formations.
		Depth = 5 m			Small land holdings upto 0.4 ha.
		(RCC rings)			Cash crops should be grown at least for one season.
2	Dug Well	Dia	= 2.0m	66500	Suitable for Alluvial formations.
		Depth = 6m			land holding should be than 0.4 ha .	more
		(RCC Rings)			Cash crops should be grown at least for one season.
3	Dug Well-	Dia	= 6.0m	350000	Suitable for land holdings more than 1.0 ha.
	Hard rock	Depth = 12 m			Cash crops should be grown at
	areas	(Thicknesss ofsteining-0.45m –			least for one season.
		3m)

4	Deepening /	Depth: 3 m			Repayment period – 05 years
	Renovationof Wells by				with 11 months’ gestation period(GP)
		Dia	= 3.0m	25500
	excavation
	(with RCC rings)
		Dia	= 2.0m	21000	-do-

5	Filter Points	Dia: 4.5 inch,Depth: 9m (Filter length 3m)		17000	Small land holdings upto 0.4 ha.
6	Bore Wells	Dia: 150 mm			Repayment period – 11 to 15 years with 11 months’ gestation period (GP). Suitable for Hardrock areas.
		Depth: 80m		71000
		Depth: 100m		85000	Rs.800/m for each additional 1 m depth.

	Pumping Systems
1	Electrical Monoblock	1 hp	13000	Repayment period – 9 years with 11 months’ gestation period (GP)
2	-do-	3 hp	24000	-do-
3	-do-	5 hp	27500
4	Diesel Engines/ Pumpsets	3 hp	25000	-do-
	-do-	5 hp	28500	-do-

	Submersible Pumpsets
1	SPS	3 hp	41000	-do-
	-do-	5 hp	45000	-do-
2	Pumphouse	2mx2mx2.1m – (with A.C Roof and 60 cm X 90cm ventillation)	25000	Repayment period – 09 years with 11 months gestation period (GP)
3	Pipeline Distribution system	for Well command (per ha)	25000	Repayment period – 09 years with 11 months’ gestation period (GP)
4	Storage Tank	3mx3mx1.5m	30000	Repayment period – 09 years with 11 months gestation period(GP)
	Drip Irrigation
1	Coconut	8 x 8 m- spacing	31500	Repayment period 10 years including 11 months GP). Cost norms of Central & State sponsored schemes to be adopted wherever such schemes are inoperation.
2	Banana	1.5 x 1.5 m	85400	-do-
3	Arecanut	2.7 x 2.7m	67500	-do-
4	Mango	10 x 10 m	27500	-do-
	Sprinkler Irrigation
1	Tea	Per ha	66000	Repayment period 10 years including 11 months GP). Cost norms of Central & State sponsored schemes to be adopted wherever such schemes are inoperation.
2	Various other crops	Per ha	53000	Repayment period 10 years including 11 months GP

	Others
1	Small LiftIrrigation schemes	Per ha	70000	Repayment period – 7 to 9years with 11 months’ gestation period (GP)
2	Artificial	Per structure	25000	Repayment period – 5 years
	recharge	(collection area		with 11 months’ gestation
	structuresfor Open/B.W (Roof	of about 1000sq. ft)		period (GP)
	Top type)
3	Rain WaterHarvesting Structures	Per structure	50000	Repayment period – 5 yearswith 11 months’ gestation period (GP)

Terms & Conditions

1. Ground Water Structures

B)Bank shall ensure that the ground water development programmes are implemented in ‘safe’ category blocks. In case of schemes for ground water extraction in ‘semi- critical’ and ‘critical’ blocks, it shall ensure that application is submitted along with a favourable technical feasibility study report issued for same by competent authority of State Ground Water.

2. Spacing of wells

The following minimum spacing to be observed between wells while implementing the scheme.

Between two dug wells in high range region (Hilly tract) : 75 m
Between two dug wells/ filter points in midland and coastal area : 100 m
Between two bore wells : 200 m

3. Renovation/ Deepening of Wells

Renovation should cover only deepening (to a maximum of 3 metres) and incidental lining/ erection of rings (if necessary). Construction of parapet wall, plastering of parapet wall, should not be considered for financing.
Only those wells having insufficient water column during summer and need deepening to ensure adequate yield for meeting the water requirement of the crop shall be covered under the programme.
The spacing norms (as indicated at para 2 above) between wells (including wells for drinking purpose) may be adhered to under D0W

4.Electric Power supply

Before issuing loans for electrical pump set, the bank shall satisfy itself that timely power supply would be available to the beneficiary for operation of the pump set.

5. Minimum acreage and sale of water

It is necessary that the beneficiary has certain minimum area of land to be brought under irrigation to ensure financial viability of investment and repayment of loans within the prescribed period

Structure	Benefiting Area (ha.)
Dug well with Pumpset	1.0
Bore well with SIP	1.6

If the beneficiary’s own cultivated area is smaller than that which can be irrigated by well/ tube well/ bore well, the bank may advise the beneficiary that he can sell surplus water to other farmers. Income from sale of water, if any, may be reckoned for purpose of viability of investments up to a maximum of 50% of the loan repayment instalment.

6. Selection and Installation of Pump sets

The bank shall ensure that the pump sets financed under the scheme are selected and installed as per BIS 10804-1994 or latest
Wherever loan is advanced for replacement of existing pump set by new pump set or for replacement of diesel pump set by electric pump set, the bank shall ensure that there is no change in the HP of the pump set and that the new pump set installed is as per BIS 10804-1994, or latest
Bank shall ensure that the spacing criteria, as stipulated at Para.2 above, are adhered to, for the loans extended for pump sets
Wherever loans are advanced for standby pump set, the bank may ensure that the standby unit is also selected as per BIS 10804-1994 and that the loans, both for existing pump set and standby unit, are recovered together within the normal recommended repayment period.
Where higher HP pump set is required for use other than irrigation, with common prime mover, total HP of the pump set selected for agricultural use shall not exceed 5 times the HP required for irrigation purpose, subject to a maximum of 10 HP.
In case of second hand pump sets financed under the scheme, if any, the bank shall ensure that the balance serviceable life of the second hand pump set is adequate to cover the repayment period of the loan for pump

Capacitors: The electric motor financed should always be provided with a starter and a capacitor matching the motor. The following KVAR rating capacitors are recommended for use:

Below 3 HP – 1 KVAR

3 HP to 5 HP – 2 KVAR

5 HP to 7.5 HP – 3 KVAR

7. After-Sales Services

The bank shall ensure that adequate after-sales services and repair facilities are provided by the manufacturers / dealers installing the pump set on beneficiaries’ wells and that such service is provided free of charge during the first year of installation.

Before advancing loans for underground pipelines for distribution system, bank shall verify the invoice order in regard to the quantity and quality of pipes required by the farmer and shall also ensure that the entire length of pipeline for which loans are advanced, are actually laid down.

8. Water Lifting Permission

Wherever financing pump sets for lifting water from river/ canal is involved, a letter from the competent authority of the Department/ Agency concerned of the State Govt. permitting the beneficiary to lift water from river/ canal and indicating the period up to which such permission is provided should be obtained and furnished to the financing bank before sanctioning the loan. The bank may ensure that water lifting permission is available for a period which will cover at least three more years longer than the repayment period of such loan sanctioned.

9. MICRO IRRIGATION SYSTEMS

A) DRIP & Sprinkler Irrigation Systems

The bank should ensure that only a technically competent and approved firm or person designs and installs the system at the field level.
The installing agency should assess the water requirement of each plant optimum crop geometry, and design the efficient system accordingly. The bank should insist for a field layout map showing the benefiting area and item- wise cost estimate.
Availability of design discharge of suitable chemical and physical quality on a long-term basis should be ensured for smooth operation of the Water should be free from pollution and suspended particle to avoid chocking in the drips/ emitter nozzles.
The installing agency should furnish performance guarantee for the efficient operation of the system for a minimum of 3 years period as also ensure timely and adequate post sales-service for trouble-free working of the The system components to be installed should confirm to the BIS Specification.
Bank should ensure to safeguard the pipes (main and lateral drips), emitters, , against theft, robbery, fire, etc.
The bank should carry out periodic monitoring of the implementation and assess the performance of the system at the field

B) Sprinkler Irrigation

The bank should ensure that adequate water of suitable quality to cover the envisaged area is available at the nearest location. Water should be free from pollution and suspended particle to avoid chocking in sprinkler nozzles.
The design of sprinkler system for the proposed cropping pattern should be done by a technically competent agency/person taking into consideration the source and availability of water, wind velocity in different seasons, soil conditions, agro-climatic situations, to ensure installation of most economical and efficient system at the farm level.
A plan of the area showing field layout and cost estimate of the system should be prepared by the implementing agency and appraised by the bank.
The components of the system including pipes should conform to BIS standards.
The implementing agency/manufacturers should offer performance guarantee for the operation of the system for a reasonably longer period against any defect either manufacturing/ working or The firm should extend regular post sales service for maintenance.
The sprinkler pipes, accessories, motor, etc., should be safeguarded against theft, fire, burglary,
The bank should conduct periodic monitoring visits to assess the working performance of the system and take corrective steps, wherever required.

2. LAND DEVELOPMENT

S. No.	Activity	Slope Class / Sub Activities	Rs. Per Ha For 2020-21
1	Reclamation of waterlogged soils by drainage			181335
2	Reclamation of Marshy andwaterlogged land for Coconut and Banana
		Depth of Water less than1.0 m		906675
		Depth of Water above 1.0m		226380
3	On Farm Development in Major/ Minor / Medium Irrigation Commands
		0.51-1.5%		94710
		1.5-2.5%		146685
		2.5-3.5%		177870
4	Puertorican type Contour Terrace with stone pitching toRisers / Contour bund		Without quarrying	With quarrying
		05.1-10.0	80700	101000
		10.1-15.0	98340	123000
		15.1-20.0	108400	135500
		20.1-25.0	114800	143500
		25.1-30.0	119300	149200
		30.1-35.0	122800	153500
		35.1-40.0	125400	156800
		40.1-45.0	127500	159300
5	Extension of Height of old Stone Pitched Contour Bunds		Without quarrying	With quarrying
		05.1-10.0	41000	51000
		10.1-15.0	49500	61500
		15.1-20.0	54000	68000
		20.1-25.0	58000	72000
		25.1-30.0	60000	75000
		30.1-35.0	62000	77000
		35.1-40.0	63000	78500
		40.1-45.0	64000	80000
6	Earthen Contour Bund
		1.0-05.0		20790
		5.1-10.0		39270
		10.1-15.0		48510
		15.1-20.0		53130

7	Renovation of Earthen ContourBund
		1.0-05.0		10395
		5.1-10.0		19635
		10.1-15.0		24255
		15.1-20.0		26565
8	Bench Terracing		WithoutStone Pitching	With StonePitching
		05.1-10.0	265650	332640
		10.1-15.0	319935	400785
9	Contour Trenches &Embankments
		05.1-10.0		23100
		10.1-15.0		28875
		15.1-20.0		31185
		20.1-25.0		33495
		25.1-30.0		34650
		30.1-35.0		35805
		35.1-40.0		36960
		40.1-45.0		36960
10	Fencing			75000
11	Humus/Clay/Silt application inCoastal Sandy soils for Coconut Rehabilitation
		0.9 cum / palm for 175palms per year		66990
		For 3 years		200970

Terms and Conditions

Necessary technical guidance and supervision have to be provided by the banks staff and wherever possible the technical guidance may be made available from the state Soil Conservation Department.
The bank should ensure that the contour bunds are constructed as per the specification prescribed by the State Soil Conservation Department
The cost approved in the scheme is for the average slope and loan amount for soil conservation/land development works should be restricted with reference to actual slope of the
The bank should maintain the details regarding the type of land development work(s) proposed along with cost estimates in individual cases financed under the
The Bank’s technical officer along with District Soil Conservation authorities may take up a monitoring study to ascertain whether the soil conservation works have been carried out as per the specifications or NOT
Banks/Department may enthuse farmers to take up agronomical measures on the engineering structures so as to increase their
Depth of fresh earth filling particularly in areca nut gardens may be ensured through pre and post sanction inspections, so that the exact amount pending on the depth could be provided.
While financing for reclamation of marshy and water logged lands, care may be taken to ensure its end use strictly for agricultural
Details such as contour map, estimate, designs, of structures etc. may be insisted, while financing land development, soil conservation activities in a contiguous
On farm development/systematic land development works on the irrigated commands may be considered on the outlet/source basis. In the case of contiguous area, separate estimates for the earth works, irrigation/drainage channels, drips may be insisted upon.

3. FARM MECHANIZATION

Sr.No.	Activity	Unit Cost (2020-21) (Rs.)
1	TRACTOR – 40 HP	625000
a	Trailer	120000
b	2 Bottom Reversible Mould Board Plough	65000
c	Rotavator – 36 blades Chain and sprocket driven	115000
d	Fertiliser cum Seed Drill	45000
e	Cultivator – 9 Tyne spring loaded	39000
f	Cage Wheels with stand and leveller	52000
	Sub Total	1061000
2	POWER TILLER	170000
a	Trailer (Only inside farm)	84000
b	2 Bottom Reversible MB Plough cum RidgeFormer	42000
c	Cage Wheels – 2 Nos.	17500
	Sub Total	313500
3	SPRAYERS
a	Tractor/Power tiller Operated Boom Sprayer –1000 Ltr	50000
b	Power Sprayer	22000
c	Knapsack Sprayer	5000
4	HARVESTER
a	Self-Propelled Combined Harvester	2600000
b	Tractor Mounted Combined Harvester	1600000
5	OTHER EQUIPMENTS
a	Vertical Conveyer Reaper	97000
b	Transplanter – Walk behind 4 row	250000
c	Transplanter – 4 wheel, 8 row	1800000
d	Transplanter – 4 wheel, 6 row	1300000
e	Power Thresher	150000
f	Garden Tiller	55000
g	Straw Bailer – Round	350000
h	Bush cutter	23000
i	Coconut climbing machine	2750

Terms and Conditions

The bank shall satisfy itself regarding cost of machine, cost of implements by verification of quotations, invoice and bills.
The machinery along with accessories shall be insured against accident risk, risk against fire and theft, covering entire loan period and relevant policy shall be assigned in bank’s favour and assignment duly registered with insurance company.
The bank may satisfy itself with the selection of capacity of machinery and type of implements, based on estimated operational area of machinery, land holding of barrower, cropping pattern in the area, type of soil etc.
The bank may satisfy itself that infrastructural facilities such as service and repair centers, supply of spare parts, fuel and lubricants are adequate in the
The bank shall ensure that its supervisory staff undertake visits at periodical intervals and keep a record of their observations on the operation of machinery and implements.

4. Plantation and Horticulture

Sl.No.	Activity	No. of plants/ ha	Unit Cost 2020-21(Rs.)/ha	Remarks
1	Arecanut	1350	810500
2	Cardamom	1100	600000	Repayment period-08 years with 03 years GP
3	Cashew	175	235750	Repayment period- 10 years with 06years GP
4	Cocoa	400	121000
5	Coconut (Rainfed)	175	224250	Repayment period-12 years with 07 years GP
6	Coconut (Irrigated)	175	300000	-do-
7	Coconut + Neera	175	459750	-do-
8	Coffee (Arabica)	3000	179000	Repayment period- 12 years with 05 years GP
9	Mango	175	149500	Repayment period-10 years with 05 years GP
10	Rubber	450	423750
11	Tea estates	10800	356000
12	Vanilla	1600	355500
13	Pepper	1000	177000
14	Hi-Tech Farming with and without green house
I	Naturallyventilated poly house	10 cents	538000
II	Rain Shelter House	100 sq.mt.	85000
15	RAMBUTAN	100	422500
16	Nutmeg	160	486500
17	Beekeeping with cerana indica	25 + 25colonies	151900
18	Stingless Bee Culture	10+10 colonies in home steads in forest ecosystem	28000

Terms and Conditions

While selecting villages / areas for financing, the bank shall ensure compactness of areas to facilitate supervision. The bank may identify suitable areas in consultation with the concerned department of the State Government or Commodity Boards etc., as in the case may be.
Loans under the scheme shall be given to those beneficiaries who have assured water supply facilities to irrigate plants in areas where rain-fed cultivation is not possible.
Loans shall be issued in respect of investment for raising plants in first year and maintenance in subsequent years till the plant comes to bearing stage. However, where loans are proposed to be availed of, only in the first year of planting and not for its maintenance during the subsequent years, the bank shall satisfy itself that the beneficiaries have their own resources to meet expenditure for maintenance of garden in the subsequent years. The bank shall satisfy itself that the planting materials of the required quantity and quality are procured by beneficiary from reliable sources such as nurseries of Universities or State Government or any other nurseries approved by the concerned department of the State Government etc.
The bank shall ensure that the beneficiary observes the following technical norms:

The pit dug will be of standard size and with recommended spacing and number of plants as indicated by Kerala Agricultural
The pits will be filled with top soil, cattle manure and fertilizers before planting is
Only high yielding recommended varieties should be planted in place of traditional
The young saplings will be staked immediately after planting and shade cover provided wherever necessary and irrigated.
Adequate fencing arrangements will have to be provided as per local practices with a view to protecting the garden from cattle and
Watering of plantations done during dry months of first 2 to 3 seasons in respect of plants
The recommended fertilisation and plant protection schedules Commodity Boards / KAU shall be
Mixed cropping will be done wherever possible as in the case of coffee, areca nut, coconut, rubber, cocoa and cashew nut especially in the initial years of
Financing for development of the said plantation shall invariably be combined with development of suitable
The beneficiaries under the scheme will raise intercrops preferably leguminous crops during the first 4 to 5 years so as to improve returns from main
Adequate shade may be developed for protection of crops like coffee, tea, coconut, cardamom etc., and a minimum number of shade trees will have to be retained per acre. Planting of fast growing trees may also be taken up wherever
Proper and adequate soil conservation and drainage arrangements shall be
Installation of processing equipment, civil engineering works shall be carried out according to approved plans and
In case of Hi-Tech farming, relevant technology suitable for the project area / proposed crop is available and the borrower has the capacity to manage the

5.The Bank’s staff may provide all necessary technical guidance and If this is not possible the bank shall satisfy itself that the required technical guidance and supervision is made available by the concerned department of the State Government or Commodity Board etc.

6. The suggested soil conservation measures such as contour bunding, etc., should be completed before the layout and digging for planting are taken

7. The suggested soil conservation measures such as contour bunding, etc., should be completed before the layout and digging for planting are taken

8. The bank shall grant loans to individual beneficiaries based on a case by case appraisal and assessment of the repayment capacity of the

9. Working Capital may be issued through KCC as per the revised guidelines of KCC.

5. Forestry and Waste Land Development

Sr.No.	Activity	Unit Size	Unit Cost for 2020-21 in Rs
1	Teak Plant	Ha.	395400
2	Bamboo	Ha.	248100
3	Mahagony	Ha.	287400
4	Matti (ailanthus)	Ha.	285800
5	Melia Dubia – Pulpwood	Ha.	278900
6	Melia Dubia – Plywood	Ha.	189400

Terms and Conditions

While selecting villages / areas for financing, the bank shall ensure compactness of areas to facilitate supervision. The bank may identify suitable areas in consultation with the concerned department of the State
Loans shall be issued in respect of investment for raising plants in first year and maintenance in subsequent years till the plant comes to bearing However, where loans are proposed to be availed of, only in the first year of planting and not for its maintenance during the subsequent years, the bank shall satisfy itself that the beneficiaries have their own resources to meet expenditure for maintenance of plantation in the subsequent years.
The bank shall satisfy itself that the planting materials of the required quantity and quality are procured by beneficiary from reliable sources such as nurseries of Universities or State Govt or any other nurseries approved by the concerned department of the State Govt
The bank shall ensure that the beneficiary observes the following norms:

The size of the pit and spacing may be adopted as per the standard practices prevailing, depending upon the tree
The pits will be filled with top soil, cattle manure and fertilizers before planting is
Only high yielding (e.g.: Teak varieties which give high girth of the stem recommended varieties should be planted in place of traditional varieties.
The young saplings will be staked immediately after planting and shade cover provided wherever necessary and irrigated.
Adequate fencing arrangements will have to be provided as per local practices with a view to protect the plantation from cattle and
Watering of plantations done during dry months of first 2 to 3 seasons in respect of plants.
The recommended fertilisation and plant protection schedules State forest department
Mixed cropping will be done wherever possible as in case of teak and bamboo in the initial years of planting.
Financing for development of the said plantation shall invariably be combined with development of suitable
The beneficiaries under the scheme will raise intercrops preferably leguminous crops during the first 4 to 5 years so as to improve returns from main
Proper and adequate soil conservation and drainage arrangements shall be
Installation of processing equipment, civil engineering works shall be carried out according to approved plans and designs.

5. The Bank’s staff may provide all necessary technical guidance and If this is not possible the bank shall satisfy itself that the required technical guidance and supervision is made available by the concerned department of the State Government.

6. The suggested soil conservation measures such as contour bunding , should be completed before the layout and digging for planting are taken up.

7. Necessary arrangements should be made for marketing of the produce so that the beneficiaries get fair prices. Bank shall make necessary tie up arrangements with the concerned marketing agencies for recovering the loan instalments through sale proceeds payable by beneficiaries and for this purpose bank shall enter into necessary agreements with the beneficiaries also wherever.

8. The bank shall grant loans to individual beneficiaries based on a case appraisal and assessment of the repayment capacity of the

9. Working Capital may be issued through KCC as per the revised guidelines of

10. Bank may ensure that necessary clearances are available from Forest Department and also that Plantations are raised as per prevailing rules and regulations of the Forest Dept.

6. Animal Husbandry –Dairy Development

Sl. No.	Particulars	Unit Cost for 2020-21 in Rs.
1	Cross Bred Cows – 1 cow unit

	Cost of 1 CBCs (@ Rs.6000 per litre of milk)	60000
	Transportation cost @Rs 1500/- per animal	1500
	Shed 65 sqft/animal, Rs 500/sqft	32500
	Equipment	1500
	Feed Cost for 1 month ( I animal)	4800
	Covered dung pit	0
	Insurance (@7.0% cost;)	4200
	Vety Aid	1000
	Total	105500
	*Rounded off to*	106000

2	Cross Bred Cows – 2 cow unit (1+1 unit)

	Cost of 2 CBCs (@ Rs.6000 per litre of milk)	120000
	Transportation cost @Rs 1500/- per animal	3000
	Shed 65 sqft/animal, Rs 500/sqft	65000
	Equipment	3500
	Feed Cost for 1 month ( I batch)	9600
	Insurance (@7.0% cost;)	8400
	Vety Aid	1000
	Total	210500
	*Rounded off to*	211000
	Unit cost without shed cost	146000
	Bio gas unit- 1cub m@ Rs 15000	15000

3	Cross Bred Cows – 5 cows (3+2 unit)
	Cost of 5 CBCs (@ Rs.6000 per litre of milk)	300000
	Transportation cost @Rs 1500/- per animal	7500
	Shed 65 sqft/animal, Rs 500/sqft	162500
	Equipment	4000
	Feed Cost for 1 month ( I batch)	24000
	Insurance (@7.0% cost)	21000
	Dung pit	15000
	Vety Aid	1000
	Biogas- 2cub meter volume	20000
	Fodder cultivation- 25 cents	5450
	Total	560450
	*Rounded off to*	560000
	Unit cost without shed cost	397500


4	Cross Bred Cows – 10 cows (5+5 unit)

	Cost of 10 CBCs (@ Rs.6000 per litre of milk)	600000
	Transportation cost @Rs 1500/- per animal	15000
	Shed 65 sqft/animal, Rs 500/sqft	325000
	Equipment & milking machine, chaff cutter	75000
	Feed Cost for 1 month ( I batch)	48000
	Biogas plant- 2cub. M volume	20000
	*Dung pit (1285m)*	20000
	Insurance (@7.0% cost)	42000
	Vety Aid	5000
	Fodder cultivation- 50 cents	10900
	Total	1160900
	*Rounded off to*	1161000
	Unit cost without shed cost	836000

5	Gr. Murrah Buffaloe – 2 Murrah unit (1+1 unit)

	Cost of 2 Gr. Murrah (Rs.65,000/- per animal)	130000
	Transportation cost @ Rs 2000 per animal	4000
	Shed 75 sqft/animal, Rs 500/sqft	75000
	Equipment	4000
	Feed Cost for 1 month ( I batch)	12000
	Insurance (@7% cost)	9100
	Vety Aid	1300
	Total	235400
	*Rounded off to*	235000
	Unit cost without shed cost	160000

6	Buffalo Male calf rearing
	Cost of calf – 6 months old	10000
	Transportation cost	1000
	Shed 65 sqft/animal, Rs 500/sqft	32500
	Cost of feed for 12 months- 540 kg@ Rs 15/kg	8100
	Insurance (@7% cost)	700
	Vet care	1000
	Total	53300
	*Rounded off to*	53000
	Unit cost without shed cost	20500
7	Rearing of female crossbred calf – 1 calf
	Cost of calf (3-6 month old @ Rs 10000/- per calf)	10000
	Cost of feed for 29 months- 1808 kg @ Rs.20 per kg	40000
	Fodder cost @ Rs 10/day	10440

	Insurance (master policy up to calving)	700
	Health cover, vaccination, de-worming charges etc.	860
	Total	62000
	*Rounded off to*	62000

8	Cattle Shed – 1 No. for 1 cow- 65 sqft@ Rs 500 per sq ft	32500

9	Heifer – 5 Heifer unit

	Cost of heifer @ Rs 29000/- per calf)	145000
	Transportation cost @ Rs.1500/ Heifer	7500
	Cattle shed, Store room, Dung pit, etc.	38000
	Feed cost for 1 month @ 1.5 Kg/animal/day @ Rs 19/Kg	4275
	Insurance for 1 year @ 3.6%	5220
	Fodder cultivation (25 cents)	5450
	Veterinary care, de worming, feed supplements	2000
	Miscellaneous	1000
	Total	208445
	Rounded off to	208000

10	Heifer – 10 Heifer unit

	Cost of heifer @ Rs 29000/- per calf)	290000
	Transportation cost @ Rs.1500/ Heifer	15000
	Cattle shed, Store room, Dung pit etc	70000
	Fodder cost for 1 month @ 1.5 Kg/animal/day @ Rs 19/Kg	8550
	Insurance for 1 year @ 3.6%	10440
	Fodder cultivation (50 cents)	10900
	Veterinary care, de worming, feed supplements	4000
	Miscellaneous	1000
	Total	409890
	Rounded off to	410000

11	1 Milch cow+ 1 Heifer animal
	Cost of heifer @ Rs 29000/- per calf)	29000
	Cost of milch cow @ Rs.6000 per liter of milk	60000
	Transportation cost @ Rs.1500/ animal	3000
	Cattle shed	34450
	Feed cost – Heifer : for 1 month @ 1.5 Kg/animal/day @ Rs19/Kg	855
	Feed cost – Milch cow : for 1 month	4800
	Insurance for heifer for 1 year @ 3.6%	1044
	Insurance for milch cow for 1 year @ 7%	4200

	Veterinary care, de worming, feed supplements	1000
	Equipment	1500
	Miscellaneous	1000
	Total	140849
	Rounded off to	141000

12	3 Milch cow+ 2 Heifer animal
	Cost of heifer @ Rs 29000/- per calf)	58000
	Cost of milch cow @ Rs.6000 per liter of milk	180000
	Transportation cost @ Rs.1500/ animal	7500
	Cattle shed	101400
	Dung pit	15000
	Feed cost – Heifer : for 1 month @ 1.5 Kg/animal/day @ Rs19/Kg	1710
	Feed cost – Milch cow : for 1 month	14400
	Insurance for heifer for 1 year @ 3.6%	2088
	Insurance for milch cow for 1 year @ 7%	12600
	Veterinary care, de worming, feed supplements	2000
	Equipment	4000
	Miscellaneous	1000
	Total	399698
	Rounded off to	400000

13	6 Milch cow+ 4 Heifer animal
	Cost of heifer @ Rs 29000/- per calf)	116000
	Cost of milch cow @ Rs.6000 per liter of milk	360000
	Transportation cost @ Rs.1500/ animal	15000
	Cattle shed	202800
	Dung pit	15000
	Feed cost – Heifer : for 1 month @ 1.5 Kg/animal/day @ Rs19/Kg	3420
	Feed cost – Milch cow : for 1 month	28800
	Insurance for heifer for 1 year @ 3.6%	4176
	Insurance for milch cow for 1 year @ 7%	25200
	Veterinary care, de worming, feed suppliments	4000
	Equipment	4000
	Miscellaneous	2000
	Total	780396
	Rounded off to	780000

Terms and Conditions

The bank shall select villages keeping in view compactness of the area to facilitate supervision and nearness of village to veterinary dispensaries animal breeding center’s and milk marketing
The bank shall ensure that a unit of 2 milch animals is financed, each animal is purchased with an interval of about 6-8 months to ensure continuity in milk production.
Animals shall be purchased by a committee comprising a representative of the bank, a qualified Veterinary Surgeon and the beneficiary.
The bank shall finance under the scheme only good quality animals preferably freshly calved animals in second or third lactation, yielding an average 7-8 litres of milk per
Immediately after purchase, suitable arrangements for identification of animals by branding, tattooing or ear tagging shall be In addition to this, the record of particulars of the animal identification (colour, birthmarks etc.) shall be maintained.
Whenever loans for cattle shed are not given, the bank shall ensure, before sanction of loan for purchase of milch animals that beneficiary has a cattle shed or facilities to provide shelter or will be able to provide a cattle shed from out of his own resources
The bank shall satisfy itself that suitable and satisfactory arrangements exist for marketing of milk. Such arrangements shall be either be in the nature of organised marketing through milk collection centres or satisfactory outlet for direct sale of milk at remunerative
In cases where cross bred /indigenous cows are financed, the bank shall satisfy itself that breeding service with high quality semen of exotic/cross bred pedigreed bulls is available at the artificial insemination centres in the scheme.
The animals financed under the scheme shall be insured immediately after the purchase for full value and the insurance documents shall be assigned in favour of the The bank may preferably cover all animals under the same by a long-term master policy.
Beneficiaries shall be asked to maintain basic
For two cow unit and 5 cow unit, Bio gas plant is optional.

7. Animal Husbandry – Poultry Development

S. No	Particulars	Unit Cost for 2020-21In Rs.
I	Broiler units (500 birds)
1	Cost of Shed Construction 500 sq.ft @ Rs.250/sq.ft (light roofing)	125000
2	Equipment – Rs. 32/bird	16000
3	Cost of DOC – 525 birds (mortality rate – 5%) @ Rs. 35 /- per bird	18375
4	Insurance @ 6% of cost of bird	1050
5	Cost of Feed – Rs. 35/- per kg (4.0kg /bird)	70000
6	Cost of Misc. Expenses(medicine, vaccine, labour etc.) – Rs.25/bird	12500
7	Total	242925
	Rounded off to	243000

II	Broiler units (250 birds)
1	Cost of Shed Construction 250 sq.ft @ Rs.250/sq.ft (light roofing)	62500
2	Equipment – Rs. 32/bird	8000
3	Cost of DOC – 263 birds (mortality rate – 5%) @ Rs. 35 /-per bird	9205
4	Cost of Feed – Rs. 35/- per kg (4.0kg /bird)	35000
5	Insurance @ 6% of cost of bird	525
6	Cost of Misc. Expenses(medicine, vaccine, labour etc.) –Rs.25/bird	6250
7	Total	121480
	Rounded off to	121500

III	Broiler units (1000 birds)
1	Cost of Shed Construction 1000 sq.ft @ Rs.250/sq.ft (light roofing)	250000
2	Equipment – Rs. 32/bird	32000
3	Cost of DOC – 1053 birds (mortality rate – 5%) @ Rs. 35/- per bird	36855
4	Cost of Feed – Rs. 35/- per kg (4.0kg /bird)	140000
5	Insurance @ 6% of cost of bird	2100
6	Cost of Misc. Expenses(medicine, vaccine, labour etc.) –Rs.20/bird	25000
7	Total	485955
	Rounded off to	486000

IV	Backyard poultry (15 birds)
1	Cost of Bird (100/- per bird)	1500
2	Shed (20sq.feet @250/- per sq.ft)	5000

3	Feed (5kgfor 15 birds @ 27/- per kg)	135
4	Insurance cost @ 6% of cost of bird	90
5	Miscellaneous	1000
6	Total	7725
	Rounded off to	7700
V	Duck Rearing (500 Females and 75 Males)
1	Ducklings – 3 months old at Rs.140/- each – 575 Nos.	80500
2	Portable enclosures & feeding equipment’s	2500
3	Concentrate feed @ 4.5 Kg/Bird @ Rs.35/Kg.	90563
4	Veterinary aid, transportation and other expenses	2500
5	Total	176063
6	Rounded off to	176100
VI	Duck Rearing (200 Females and 35 Males)
1	Ducklings – 3 months age at is.140/- each – 235 Nos.	32900
2	Portable enclosures & feeding equipment’s	2000
3	Concentrate feed @ 4.5 Kg/Bird @ Rs.35/Kg.	37013
4	Veterinary aid, transportation and other expenses	2000
5	Total	73913
6	Rounded off to	73900
VII	Duck Nursery (5000 Ducks)
1	Day old Ducklings – at Rs. 18/- each – 5500 Nos.	99000
2	Portable enclosures & feeding equipment	15000
3	Shed – 3 silpolin sheets	11000
4	Fibre Boat	15000
5	Concentrate feed	68750
6	2 labours @ Rs.500/- per day per person for 60 days	60000
7	Veterinary aid, transportation and other expenses	5000
8	Total	273750
9	Rounded off to	273800

VIII	Micro Cage Broiler (100 Birds)
1	Cost of Bird – 105 birds (mortality rate – 5%) @ Rs.35/-per bird – DOC	3675
2	Cost of cage (single tier I sq.ft/ bird @ Rs.300/- per sq.ft)	30000
3	Cost of feed (4.0 Kg / Bird @ Rs.35/ per Kg)	14000
4	Insurance cost @ 6% of cost of bird	220.5
	Miscellaneous @ Rs.20/- per Bird	2000
5	Total	49895.5
	Rounded off to	50000

IX	Micro Cage layer (High yielding variety only) (100Birds)
1	Cost of Bird (ready to lay ) 100 birds @ Rs.350/- perbird	35000

2	Cost of cage (single tier I sq.ft/ bird @ Rs.240/- per sq.ft)	24000
3	Cost of feed (@ 110 gm / day/bird @ Rs.30/ per Kg) (for15 days feed)	4290
4	Insurance cost @ 6% of cost of bird	2100
5	Miscellaneous @ Rs.250/- per Bird	2500
	Total	67890
	Rounded off to	67900

Terms and Conditions – Poultry

The Bank shall satisfy itself that firm arrangements are made by beneficiaries for getting regular supply of quality chicks as per schedule from the reputed hatchery, duly protected with prophylactic vaccinations. The Bank should enter into tie-up arrangements with the hatcheries in this regard wherever possible for the continuity of supply.
The Bank shall satisfy itself that the beneficiaries observe among others, the following specifications in designing the poultry sheds.
1. 1. The end walls of shed shall face east west direction.
  2. The floor level shall be about I foot above ground
  3. A minimum overhand of 3-5 feet be given to the roof to avoid entry of rain water inside the shed.
  4. The shed shall be made rat proof using wire
  5. Feeding space of 4″ and watering space of 2″ per bird shall be Preferably ‘A’ type design may be explained to the borrowers.
The Bank shall disburse loans after satisfying itself that there are adequate facilities for veterinary aid and marketing of
During periodical inspection, the bank shall satisfy itself about the following requirements:
1. 1. Utmost cleanliness and hygienic conditions are maintained in the poultry farm. The houses are cleaned and disinfected before housing new
  2. Fresh, clean and dry litter material such as saw dust, paddy husk, groundnut husk is placed on the floor of the poultry house before poultry birds are introduced in the In case deep litter system, litter is kept clean and dry by turning it at least once a week.
  3. Balanced concentrated feed is always available to the BIRDS.
  4. Fresh and clean water is always available and water is cleaned at least twice daily
Loan component in case of chicks, feed etc. shall be disbursed in kind and direct payment shall be made to the suppliers.
Loan for construction of sheds shall be made in two instalments and within three months after disbursement of each instalment, utilization shall be verified invariably in all cases.
Before disbursement of loan, beneficiaries shall be exposed to a short course of elements of broiler This could be arranged with Department of Animal Husbandry.
Every unit shall exhibit a small board indicating the financing bank to avoid double financing.
Beneficiaries shall be asked to maintain basic
Repayment period of loan will depend on the nature of activity and will vary between 5-9 years including grace period from 6 months 1
Wherever possible, the beneficiaries shall be helped to get their sheds/birds insured. The option for insurance of poultry birds (layer or broiler) could, however, be left to the BORROWER.
In respect of Micro Cage, Commercial Layer birds available in market may be USED.
Feed utilized in respect of Micro Cage Layer should meet specifications mentioned by the strain DEVELOPER.
Too many units in a concentrated are may be avoided which may affect marketing prospects and price of the eggs.

Terms and Conditions – Duck Rearing

The bank shall satisfy itself that firm arrangements are made by beneficiaries for getting supply of high quality ducklings from a reputed HATCHERY.
The bank shall disburse loans after satisfying that there are adequate facilities for veterinary aid and marketing of chicks (in the case of hatchery schemes)/eggs/culled BIRDS.
During periodical inspections, the bank shall satisfy itself about the following requirements.
Utmost cleanliness and hygienic conditions are maintained in the rearing The houses are cleaned and disinfected before housing new flock.
Balanced concentrate feed is always available to the birds.
The bank shall undertake a monitoring study regarding implementation of the scheme one year after commencement of sanction of loans under the scheme.
Before disbursement of loan, beneficiaries shall be exposed to a short course on elements of duck rearing.
A collective arrangement shall be made to buy feed or medicine in bulk to reduce the cost, wherever possible.
Every unit shall exhibit a small board indicating the financing bank to avoid double financing.
Beneficiaries shall be asked to maintain basic RECORDS.
An undertaking from the beneficiary may be obtained to remit the loan instalments in time through the branches at places where the birds are maintained, after MIGRATION.
As far as possible day-old ducklings should only be purchased and reared.

8. Animal Husbandry – Sheep, Goat and Piggery Development

Sl. No.	Particulars	Unit Cost for 2020-21in Rs.
I	Goat rearing (5 does + 1 Buck )
	*Cost of 5 does ( Adult 1year old) (100005)**	50000
	Cost of 1 buck ( Adult 1year old)	12000
	Shed – wooden ( 70 sq ft @ Rs.650/- per sq ft) 10 s.ft /animal– Does, 20 sq, ft per animal for buck	45500
	*Insurance @ 6% per year ( to be renewed every year)*	3120
	Feed cost for 7 months (@ 300g per animal per day @ Rs.24 per kg)	9072
	Medicines and de worming @ Rs 218/ animal	1308
	Total	121000
	Rounded off to	120000
	Unit Cost recommended (Less shed Cost)	74500

II	Goat rearing (10 does + 1 Buck )
	*Cost of 10 does ( Adult 1year old) (1000010)**	100000
	Cost of 1 buck ( Adult 1year old)	12000
	Shed – wooden (120 sq. ft @ Rs.650/- per sq. ft) 10 sq. ft/animal – Does, 20 sq. ft per animal for buck	78000
	*Insurance @ 6% per year ( to be renewed every year)*	5520
	Feed cost for 7 months (@ 300g per animal @ Rs.24 per kg)	16632
	Medicines and de worming @ Rs.259 per animal	2848
	Total	215000
	Rounded off to	215000
	Unit Cost recommended (Less shed Cost)	137000

III	Goat rearing (100 does + 7 Buck )
	Cost of 100 does (Adult 1 year old @ Rs.10000 per doe)	1000000
	Cost of 7 bucks (Adult 1 year old @ RS.12000/- per buck)	84000
	Shed wooden (1140 Sq ft @ RS.650/- per sq ft @ 10sq ft per doe and 20 sqft per buck)	741000
	Insurance @ 6%	53040
	Feed cost for 7 months @ 300 g per animal per day @ Rs.24 per Kg	161784
	Labour charges @Rs.10000/- per month for 2 months	20000
	Dung pit	30000
	Bio gas plant	35000
	Medicines and de worming @Rs.235 per animal	25176
	Total	2150000
	Unit Cost recommended (Less shed Cost)	1409000

IV	Goat rearing (3 does)
	Cost of 3 does (Adult 1 year old @ Rs.10000 per doe)	30000
	Shed wooden (30 Sq ft @ Rs.650/- per sq ft @ 10sq ft per doe	19500
	Insurance @ 6%	1440
	Feed cost for 7 months @ 300 g per animal per day @ Rs.24 per Kg	4536
	Artificial Insemination charges (Rs.100/- per animal)	300
	Medicines and de worming @ Rs.208 per animal	624
	Total	56400
	Unit Cost recommended (Less shed Cost)	36900
V	Goat rearing (19 does + 1 Buck )
	*Cost of 19 does ( Adult 1year old) (1000019)**	190000
	Cost of 1 buck ( Adult 1year old)	12000
	Shed – wooden (210 sq ft @ Rs.650/- per sq ft) 10 s.ft/animal – Does, 20 sq, ft per animal for buck	136500
	*Insurance @ 6% per year ( to be renewed every year)*	9840
	Feed cost for 7 months (@ 300g per animal @ Rs.24 per kg)	30240
	Medicines and de worming @ Rs.221 per animal	4420
	Total	383000
	Say	383000
	Unit Cost recommended (Less shed Cost)	246500

VI	Pig Fattener unit (10 piglets)
	Pig fattener shed 150sq.ft @ Rs.600/sq.FT	90000
	Piglets – 10 Nos. (3 months old) @ Rs.5500/animal (including transportation cost)	55000
	Feeding cost
	Concentrate feed – 900 Kg for 6 months @ Rs.22/Kg (0.5Kg/day/animal)	19800
	Hotel waste (2100 Kg. @ Rs.1.50/Kg./day/animal	4200
	Insurance	2250
	Medicine & Misc. @ Rs.100/Piglet	1000
	Biogas plant	22500
	Total	194750
	Say	194800
	Unit Cost recommended (Less shed Cost)	104800
VII	Breeder Unit (9F + 1M)
	Cost of 9 Breeder females of 3 month old @ Rs.13570 peranimal and 1 male piglet of 3 months old @ Rs.22430/animal)	144560
	Pig sty 315 sq.ft. @ Rs.700/Sq.ft.	220500
	Feeding Charges
	Concentrate Feed @ Rs.22 per Kg.	55396
	Male – 218 Kg.(+1.5 Kg/day for 500 days) Female – 632Kg.(+1.5 Kg/day for 500 days) , Piglet – 168 Kg.
	Garbage / Kitchen Waste @ Rs.2 /Kg.	3970
	Male – 508 Kg., Female – 1477 Kg.

	Insurance (6% for 1 year) & Misc. Expenses	8674
	Medicine Rs.200/animal	2000
	Biogas plant	22500
	Total	457600
	Unit Cost recommended (Less shed Cost)	237100
VIII	Rabbit Rearing
	Particulars
	Cost of 10 female and 2 male breeder rabbits @Rs.500/animal ( 4-5 months)	6000
	Shed 100 sq.ft @ Rs.300/ sq.ft	30000
	Hutches 12 Nos.(2’x2’x1.5′) at Rs.1200 each	14400
	Cages for bunnies (3’x5’x1.5′) for 12 Nos. @ Rs.2250/cage (1sq.ft. = Rs.150/-)	6750
	Feed cost (@Rs.28/kg)(150 g/per day)	5833
	Insurance, Veterinary, aid etc.	1000
	Total	63983
	Say	64000
	Unit Cost recommended (Less shed Cost)	34000

Terms and Conditions – Goat rearing

The Bank shall finance under the scheme, only good quality animals of about 6 months to 1 year old.
Immediately after purchase, suitable arrangements for identification of animals by ear tagging shall be made with the help of District Animal Husbandry In addition to this, the record of particulars of the animal identification (colour, birth marks etc.) shall be maintained.
The animal financed under the scheme shall be insured immediately after the purchase for full value and the insurance documents shall be assigned in favour of the bank. The bank may be preferably cover all the animals under the scheme by a Master Policy of long term.
Certificate regarding age and health of animals financed shall be obtained from a qualified Veterinary Assistant Surgeon.
Animals shall be got vaccinated against diseases with the help of Veterinary Department.
The units may be periodically visited by the Veterinary Officer who should maintain a follow up register on maintenance of animals given and young ones PRODUCED.
The animals should be stall-fed. Hence the Bank should satisfy itself that beneficiaries have fodder trees/ Grasses in the farm to meet the green fodder REQUIREMENTS.
Bank shall satisfy itself that adequate facilities for veterinary aid are available from Government Department to the beneficiary in the vicinity of scheme AREA.
The implementing agency may be advised to release instalments for veterinary aid, cost of feed only on actual purchase of animal.
Beneficiaries shall be asked to maintain basic RECORDS.
Bank shall also finance for construction of Shed (area @ 10 sq.ft /animal for Does and 20 sq, ft per animal for buck) @ 650/- per sq. feet over and above the unit cost.

Terms and Conditions – Piggery

The Bank shall finance under the scheme, the purchase of only good quality piglets of exotic breeds like large white Yorkshire etc. in the age group of 2 months from reputed farms.
Bio gas plant should be insisted upon with piggery units
Immediately after purchase, suitable arrangements for identification of animals by ear tagging shall be made with the help of District Animal Husbandry In addition to this, the record of particulars of the animal identification shall be maintained.
The unit shall be insured immediately after the purchase of piglets and the documents assigned in favour of the Bank
Certificate regarding age and health of piglets financed shall be obtained from a qualified Veterinary Assistant Surgeon.
Animals shall be got vaccinated against diseases like Swine fever etc. with the help of Veterinary
The units may be periodically visited by the Veterinary Officer who should maintain a follow up register on maintenance of animals given and young ones PRODUCED.
The Bank shall satisfy itself that adequate facilities are available for transporting the garbage to the farm site on regular BASIS.
Bank shall satisfy itself that adequate facilities for veterinary aid are available from Government Department to the beneficiary in the vicinity of scheme AREA.
The Bank shall satisfy itself that adequate marketing arrangements are available for selling the fattened pigs at a remunerative price.
Beneficiaries should be trained PROPERLY.
The Bank shall satisfy itself that the source for procurement of waste for feeding the pigs are already identified by the beneficiaries.
The implementing agency may be advised to release the loan only after construction of the SHED.
Bank shall also finance, over and above the unit cost, for construction of Bio-gas plant (according to the size of farm) for the proper waste disposal from the piggery FARM.
Bank shall also finance for construction of Shed (15 sq.ft per animal @ 600/sq.ft in case of fattener unit) or pig sty (315 sq.ft @ Rs.700/sq ft for a 9+1 breeder unit) over and above the unit cost.
The implementing agency may be advised to release instalments for veterinary aid, cost of feed etc. only on actual purchase of animal.
During periodical inspection, the bank shall satisfy itself that utmost cleanliness and hygienic conditions are maintained in the piggery FARM.
Beneficiaries shall be asked to maintain basic RECORDS.

9. Fisheries Development

A. Fresh water Fisheries
Sl No.	Particulars	Specification/ Unit Size/Rate	Unit Cost for 2020-21
1	Country boat for fishing	No.	24000

2	Composite fish culture –New pond	1 Ha
	Capital cost
	Construction of pond including digging,bund construction and compaction (using earth moving equipments)		200000
	Sluice/pipes		10000
	Diesel pumpset (5 HP)		30000
	Store Room/pump room		25000
	Nets, cage. Happa and other implements		40000
	Total Capital cost (A)		305000
	Recurring cost for one crop
	Lime	500 kg	6000
	Single Super Phosphate	250 kg	2250
	Urea	125 kg	1125
	Cow dung	6 T	24000
	Fish Seed Catla (2000), Rohu(1500) and Mrigal (1500) – advanced fingerlings	5000 Nos	3000
	Fish feed	3750 kg	120000
	Charges for pumping, harvesting, miscellaneous etc.		25000
	Total Recurring Cost (B)		181375
	Unit Cost (A)+(B)		486375
	Rounded off		486000

3	Fresh water Prawn farming in Ponds	1 Ha
	Capital cost
	Earth work-excavation*		260000
	Sluice gates	15000×2	30000
	Pumpset	5 HP	30000
	Watchman shed/Feed store		50000
	Miscellaneous		10000
	Total capital cost (A)		380000
	Recurring cost for one crop
	Lime	300 kg	3600
	Cow dung	2 ton	8000
	Inorganic fertilizer	75 kg	1125
	Prawn seed	50000	40000
	Feed	1800 kg	90000

	Pumping charges		10000
	Watch & ward	5 months	30000
	Harvesting charges		8000
	Total recurring cos t (B)		377450
	Unit Cost (A+B)		757500
	*Mechanical excavation

4	Paddy cum Fish farming (withcoconut & banana)	1 Ha + 100coconut + 160 banana
	Capital cost
	Strengthening of bunds	400 cum	91200
	Construction of nursery bund	150 cum	34200
	Sluice gate	1	8000
	Net & Miscellaneous		2000
	Total capital cost (A)		135400
	Recurring cost for one crop
	Lime	250 kg	3000
	Cow dung	2 ton	4000
	Fish seed	6000	4800
	Feed	1000 kg	40000
	Harvesting charges		5000
	Cost of cultivation of coconut/banana		10000
	Total recurring cost (B)		70800
	Unit Cost		206200

5	Coconut-cum-Prawn farming inexisting coconut groves with canals	1 Ha
	Capital cost
	Formation of mounds, bunds	175 mounds 12bunds 11 trenches	120000
	Sluice gates	2 Nos	15000
	Pumpset		30000
	Net & Miscellaneous		3000
	Total capital cost (A)		168000
	Recurring Cost
	Cost of cultivation of coconut-175 palms*		48000
	Cost of cultivation of banana-350 plants*		30000
	Recurring cost for one crop of prawn(Ist crop)		75000
	Total recurring cost (B)		153000
	Unit Cost (A)+(B)		321000

6	Prawn farming in Kole lands	1 Ha
	Capital cost
	Strengthening of bunds	600 cum	136800
	Construction of nursery bund	150 cum	34200
	Sluice gate	1	25000
	Net & Miscellaneous		20000
	Total capital cost (A)		216000
	Recurring cost for one crop
	Pond preparation		10000
	Lime	250 kg	3000
	Cow dung	2 ton	8000
	Inorganic fertilizer	75 kg	1125
	Prawn seed	50000	40000
	Feed	1800 kg	90000
	Harvesting charges		20000
	Total recurring cost (B)		172125
	Unit Cost (A)+(B)		388125
	Rounded off		388000

7	One Paddy One Fish in Kuttanad andKole areas	1 ha
	Capital cost
	Strengthening of bunds		100000
	Net & Miscellaneous		20000
	Total capital cost (A)		120000
	Recurring cost for one crop of fish
	Pond preparation		5000
	Lime	500 kg	6000
	Cow dung	2 ton	8000
	Inorganic fertilizer		3500
	Fish fingerlings	5000	25000
	Feed	3250 kg	104000
	Harvesting charges		10000
	Total recurring cos t(B)		161500
	Unit Cost (A+B)		281500

8	One Paddy One Fish in Kuttanad andKole padasekharams	100 ha
	Capital cost
	Bund construction for nursery	4800 cum	1104000

	Pump, motor, lighting and accessories		30000
	Bird cover net for nursery		50000
	Watchman shed		15000
	Net & Miscellaneous		20000
	Total capital cost (A)		1219000
	Recurring cost for one crop of fish
	Nursery preparation		10000
	Lime	5000 kg	60000
	Cow dung	60 ton	240000
	Fish seed	300000	180000
	Feed	14000 kg	448000
	Medicines, test etc.		3000
	Harvesting charges		20000
	Total recurring cost (B)		961000
	Unit Cost (A+B)		2180000

9	Re-Circulatory Aquaculture System(RAS)	40 m3(5m x 5m x 1.6m)
	Capital Cost
	Fish tank and bed with polythene lining &bio-fencing with PVC roof sheet and side orchid netting		197132
	Bio filtration with clarifier		17000
	Plumbing and airline		35000
	Electrification		20000
	Water pump (80 w)	2 nos.	16000
	Air pump ( 90 w)	2 nos.	16000
	Inverter (2 KVA) and tubular battery (150AH)		35000
	Generator (1 KV)		76000
	Water quality test equipment, nets, utensilsetc.		7000
	Setting up of tank – labour charges		34400
	Miscellaneous		6468
	Total Capital Cost (A)		460000
	Recurring cost for one crop
	Fish seed – GIFT	4000 nos.	32000
	Vegetable seedlings		2000
	Pellet feed (FCR 1.5:1)	2400 kg	76800
	Fuel & electricity		18000
	Chemicals, probiotics, medicines etc.		5000
	Miscellaneous		6200
	Total recurring cost (B)		140000
	Unit Cost (A+B)		600000

10	Cage Farming of Fish in Freshwater	60 m3(2 cages) (4m x 3m x 2.5m)
	Capital Cost
	HDPE outer and inner cages(4m X 3m X 2.5 m)	2 nos.	48000
	Substitute net cage for exchange andkeeping fry	1 no.	11000
	GI pipe, floating materials and otheraccessories	2 nos.	35000
	Fixing and fabrication of the cage	2 nos.	20000
	Canoe, watchman shed, solar lighting etc.		70000
	Miscellaneous		5000
	Total Capital Cost (A)		189000
	Recurring cost for one crop
	Cost of fish seed	4800 nos.	38400
	Cost of pellet feed (FCR 1.5 : 1)	2800 kg	109440
	Disinfectants, medicines		5000
	Miscellaneous		5660
	Total Recurring Cost (A)		158500
	Unit cost (A + B)		347500

11	Ornamental Fish Breeding	Models as perNFDB norms
a)	Ornamental fish breeding -Backyardhatchery		100000
b)	Ornamental fish breeding-Mediumscale unit		800000
	Note : Cost is indicative only ; actual cost to be based on quotation
	Above rate is as per the norms of NFDB

12	Indigenous Catfish Farming in pond	1 Ha
	Capital Cost
	Repair and strengthening of bund		149500
	Bird cover, lighting, bio fencing, rearingcages etc.		90000
	Lighting, electrification		2500
	Water pump (3 HP)		30000
	Cage/pen/happa for nursery rearing		20000
	Miscellaneous including CCTV, weighingmachine, water quality testing kit etc.		58000
	Total Capital Cost (A)		350000
	Recurring cost for one crop
	Pond preparation

	Bleaching powder	300 kg	10500
	Lime	1000 kg	6000
	Dolomite	400 kg	4800
	Manuring	5 ton	40000
	Fish Seed	100000 nos.	450000
	Live fish		8800
	Pellet feed (FCR 1.2:1)	12000 kg	450000
	Fuel & electricity charges		14000
	Miscellaneous		15900
	Total Recurring Cost (B)		1000000
	Unit Cost (A+B)		1350000

13	Backyard seed production of Murrel	(0.1 millioncapacity)
	Capital Cost
	Brood stock cum rearing pond (4 m dia,4×4 m )		20000
	Broodstock cum Moina culture pond (1000sq.m)		20000
	Forage Fish culture pond (400 sq m)		12000
	Water pump – portable type		25000
	Cement/FRP tank (1.5 m dia., 0.75 mheight)		20000
	Water supply arrangements		3000
	Bird net cover, side nets		10800
	Happa (2x2x1.5m)		6000
	Nets, utensils, breeding substrate, oxygencylinder etc.		2000
	Miscellaneous		1200
	Total Capital Cost (A)		120000
	Recurring cost for one crop
	Agri lime, dolomite, bleaching powder, cowdung etc.		6550
	Brood fish	20 kg	10000
	Advanced fingerlings	1000 Nos.	20000
	Live feed inoculums		5000
	Live forage fish	2000 No.	2000
	Pro-biotics	2 litre	400
	Pellet feed	150 Kg	13500
	Chopped trash fish		15000
	Fuel & electricity charges		3000
	Packing materials		1800
	Labour, Miscellaneous		2750
	Total Recurring Cost (A)		80000
	Unit cost (A + B)		200000

14	Nile Tilapia Farming in Bio-securedpond	1 Ha
	Capital Cost
	Repair and strengthening of bund		80500
	Bird cover, lighting, bio fencing, rearingcages etc.		90000
	Electrification		2500
	Water pump (3 HP)		30000
	Aerator (2 HP)	2 nos.	80000
	Labour charges		10560
	Miscellaneous including CCTV, weighingmachine, water quality testing kit, etc.		56440
	Total Capital Cost (A)		350000

	Recurring cost for one crop
	Pond preparation
	Bleaching powder	300 kg	10500
	Lime	1000 kg	6000
	Dolomite	400 kg	4800
	Manuring	5 ton	16000
	Fish Seed	30000 nos.	240000
	Pellet feed (FCR 1.5:1)	18000 kg	684000
	Pro-biotics	20 litres	4000
	Fuel & electricity charges		20000
	Miscellaneous		14700
	Total Recurring Cost (B)		1000000
	Unit Cost (A+B)		1350000

15	Pangassius Farming in Bio-securedpond	1 Ha
	Capital Cost
	Repair and strengthening of bund		180000
	Bird cover, lighting, bio fencing, rearingcages etc.		45000
	Water pump (3 HP)		25000
	Aerator (2 HP)	2 nos.	90000
	Total Capital Cost (A)		340000
	Recurring cost for one crop
	Pond preparation		10000
	Bleaching powder	300 kg	6000
	Lime	1000 kg	12000
	Dolomite	400 kg	4800
	Manuring	5 ton	20000
	Fish Seed	25000 nos.	100000
	Pellet feed (FCR 1.1:1)	44000 kg	1408000
	Fuel & electricity charges		20000

	Miscellaneous		20000
	Total Recurring Cost (B)		1600800
	Unit Cost (A+B)		1940800

16	Fresh water fish culture with BioflocUnit	5 m x 1.5 m
	Capital Cost
	Biofloc tank – 550 GSM ( PVC coated HDPEsheet 5 m dia & 1.5 m height)		35000
	Roofing		5600
	Electrification, Plumbing and Aeration		5000
	Air pump (120 -140 litre/min)	2 Nos.	15000
	Generator		20000
	Biofloc cone, water quality testing kit		5000
	Miscellaneous		10000
	Total Capital Cost (A)		95600
	Recurring cost for one crop
	Fish seed	1250 Nos.	10000
	Fish feed (40% protein )	50 Kg	2600
	Fish feed ( 24-32% protein)	450 Kg	20700
	Medicines, Probiotics		1500
	Carbon source ( Maize, rice, wheat,molasses, sugar, jaggery), culture media		5500
	Fuel and electricity charges		5000
	Miscellaneous		15000
	Total Recurring Cost (B)		60300
	Unit Cost (A+B)		156000

17	Homestad Fish Farming	2 cents
	Capital Cost
	Excavation of pond and bund construction	80 cum	18400
	Polythene sheet ( >550 micron) andaccessories	1 No.	38000
	Water pump 0.5 HP or central drain	1 No.	4000
	Venturi pump	1 No.	10000
	Covering net	5 Kg	1800
	Miscellaneous		1800
	Total Capital Cost (A)		74000
	Recurring cost for one crop
	Fish seed	1000 Nos.	6000
	Fish feed ( for fingerlings )	60 Kg	3000
	Fish feed	1000 Kg	38000
	Probiotic, medicines etc.		2000
	Total Recurring Cost (B)		49000
	Unit Cost (A+B)		123000

18	Fish cum Pig Integrated Farming	1 acre – 10 pigs	99000
	Capital cost
	Construction of pig shed	150 sq.ft	15000
	Improvement/repair of bund		10000
	Net & Miscellaneous		5000
	Total capital cost (A)		30000
	Recurring cost-Piggery
	Cost of piglets	10	12000
	Feed concentrate	900	22500
	Feed hotel waste	200 kg	2000
	Insurance	50	500
	Medicine & Miscellaneous	50	500
	Total recurring cost piggery		37500
	Recurring cost-Fish culture
	Pond preparation & liming		15000
	Fish fingerlings	2500	1500
	Harvesting/watch & ward		15000
	Total Recurring cost fish		31500
	Total recurring cost (B)		69000
	Unit Cost (A+B)		99000

19	Fish-cum-Duck Farming	1 Ha – 300 ducks
	Capital cost
	Construction of duck house	3 sq.ft x 300	90000
	Improvement/repair of bund		20000
	Net & Miscellaneous		5000
	Feeding equipment’s & misc.		1000
	Total capital cost (A)		116000
	Recurring cost-Duckery
	Ducklings	315	31500
	Supplementary Feed	6 kg	36000
	Veterinary aid		1000
	Recurring cost-duckery Total		68500
	Recurring cost-Fish culture
	Pond preparation & liming		15000
	Fish fingerlings	6000 Nos.	3600
	Harvesting/watch & ward		20000
	Recurring cost-fish Total		38600
	Total recurring cost (B)		107100
	Unit Cost (A+B)		223100


B. Brackish Water Fisheries
SlNo.	Particulars	Specification/UnitSize/Rate	Unit Costfor 2020-21
1	Modified Extensive Shrimp farming	1 Ha
	Capital cost
	Repair and strengthening of bund	1500 cum	210000
	Sluice gate		30000
	Pumpset 5 HP		30000
	Diesel pumpset standby 5 HP		30000
	Watchman shed		20000
	Electrification		10000
	Miscellaneous		20000
	Total Capital cost (A)		350000
	Recurring cost for one crop
	Pond preparation		10000
	Pisciside		8000
	Lime	1000 kg	12000
	Dolomite	400 kg	4800
	Yeast	500 kg	5000
	Cow dung	1 ton	4000
	Probiotics	200 litre	4000
	Shrimp seed	60000	36000
	Feed (FCR 1:1.5)	1950 kg	195000
	Fuel & electricity charges		10000
	Watch & ward		20000
	Harvesting & marketing		20000
	Total recurring cost (B)		328800
	Unit Cost (A+B)		678800

2	Modified Extensive Shrimp farmingwith zero water exchange	1 Ha
	Capital cost
	Repair and strengthening of bund	1500 cum	210000
	Bird cover, lighting, Bio fencing		25000
	Pumpset 3 HP		25000
	Aerator (2 HP)	2 nos.	90000
	Watchman shed		20000
	Total Capital cost (A)		370000
	Recurring cost for one crop
	Pond preparation		10000
	Bleaching powder	300 kg	6000

	Lime	1000 kg	12000
	Dolomite	400 kg	4800
	Yeast	500 kg	5000
	Probiotics – type A	200 litre	4000
	Probiotics – type B	2725 litre	16350
	Shrimp seed	60000	36000
	Feed (FCR 1:1.5)	1950 kg	195000
	Fuel & electricity charges		10000
	Watch & ward		20000
	Harvesting & marketing		20000
	Total recurring cost (B)		339150
	Unit Cost (A+B)		709200


3	Vannamei Shrimp Farming (Zerowater exchange)	1 Ha
	Capital cost
	Repair and strengthening of bundincluding PE lining & ETP		250000
	Bird cover, lighting, Bio fencing		50000
	Pumpset 5 HP	2 nos.	85000
	Aerator (2 HP)	4 nos.	180000
	Watchman shed, store, pump house, canoe,electrical installation etc.		120000
	Total Capital cost (A)		685000
4	Recurring cost for one crop
	Pond preparation		10000
	Bleaching powder	300 kg	6000
	Lime	1000 kg	12000
	Dolomite	400 kg	4800
	Yeast	500 kg	5000
	Probiotics – type A	200 litre	4000
	Probiotics – type B	2725 litre	16350
	Shrimp seed	500000 Nos.	250000
	Seed quality test		4000
	Feed (FCR -1:1.15)	9600 kg	768000
	Fuel & electricity charges		25000
	Watch & ward		20000
	Harvesting & marketing		20000
	Total recurring cost (B)		1145150
	Unit Cost (A+B)		1830200

5	Brackish water Fish Farming	1 Ha
	Capital Cost
	Renovation of pond		150000
	Aerator & accessories	2 nos.	90000
	Pumpset 3 HP		25000
	Watchman shed, pump house, electricalinstallation etc.		45000
	Cost of cage/happa for rearing fingerlings		40000
	Total Capital cost (A)		350000
	Recurring cost for one crop
	Pond preparation including liming andmanuring		10000
	Cost fish seed – Milk fish, Mullet &Pearlspot	5000 nos.	40000
	Supplementary feed	3375 kg	135000
	Electricity charges		10000
	Miscellaneous		5000
	Total Recurring expenses (B)		200000
	Unit Cost (A+B)		550000

6	Cage Farming of Fish in Brackishwater	4m x 3m x 2.5m
	Capital Cost
	Cost of cage 1.25” B class pipe one cageframe (4x3x2.5m) and two HDPE outer and inner nets (3×2.5x2m)		50000
	Substitute cage net for exchange	3 set	12000
	Mooring, ballast and floats		40000
	Canoe		25000
	Shed cum store		25000
	Equipment/tools/accessories		21000
	Total Capital Cost (A)		173000
	Recurring cost for one crop
	Cost of fish seed	Sea bass – 300 nos.Pearlspot – 3800 nos.	52800
	Nursery rearing happa		2000
	Cost of feed ( floating feed for pearlspot)	1140 kg	85500
	Cost of feed (trash fish)	1080 kg	27000
	Labour cost for 8 months		0
	Miscellaneous		9700
	Total Recurring Cost (A)		177000
	Unit cost (A + B)		350000


7	Backyard hatchery for Pearlspot – Model I
	Capital Cost
	Construction of tank – 4m X 2m X 1m	4 nos.	84000
	Net, Happa		3000
	Water supply arrangement		3000
	Miscellaneous		2000
	Total Capital Cost (A)		92000
	Recurring cost for one crop
	Brood fish	8 kg	3200
	Fish feed	30 kg	3000
	Medicines, disinfectants		1000
	Miscellaneous		800
	Total Recurring Cost (A)		8000
	Unit cost (A + B)		100000

8	Backyard hatchery for Pearlspot –Model II
	Capital Cost
	Brood stock pond	200 sq m	5750
	Breeding cum nursery rearing pond	400 sq.m	12000
	Cement/FRP tank	2 Nos.	40000
	Water supply arrangements		1500
	Bird net cover, side nets	30 kg	10800
	Happa (2x2c1.5)	10 Nos.	15000
	Nets, utensils, breeding substrate, oxygencylinder etc.		23000
	Miscellaneous		1950
	Total Capital Cost (A)		110000
	Recurring cost for one crop
	Agri lime, dolomite, bleachingpowder, cow dung etc.		2510
	Brood fish	80 kg	32000
	Fish feed inoculums	1200 kg	90000
	Live food (stock solution)		5000
	Packing materials		3600
	Labour, Miscellaneous		6890
	Total Recurring Cost (A)		140000
	Unit cost (A + B)		250000

9	Crab culture	0.5 Ha
	Capital Cost
	Pond construction including PE sidefencing, bird cover and hide out		120000
	Pump & pipelines	3 HP	25000
	Store, canoe, equipment, electricalinstallation etc.		30000
	Total capital cost (A)		175000
	Recurring cost for one crop
	Pond preparation		5000
	Crab-lets	5000	100000
	Chopped fish/pellet feed	6250 kg	187500
	Electricity charges, etc.		5000
	Harvesting		5000
	Total recurring cost (B)		302500
	Unit Cost		477500

10	Crab culture (Crab fattening Unit)	0.5 Ha
	Capital Cost
	Renovation of Pond including PE sidefencing, bird cover and hide out		120000
	Pump & pipelines	3 HP	25000
	Store, canoe, equipment, electricalinstallation etc.		30000
	Total capital cost (A)		175000
	Recurring cost for one crop
	Pond preparation		5000
	Crab-lets	5000	100000
	Chopped fish/pellet feed	6250 kg	187500
	Electricity charges etc		5000
	Harvesting		5000
	Total recurring cost (B)		302500
	Unit Cost (A+B)		477500

11	Mussel farming	25 sq.m raft 100m seed length
	Capital cost
	Bamboo poles	16 Nos	2000
	Rope for construction	1.5 kg	360
	Seeding Rope	12 kg	2880
	Contingency		600
	Total capital cost		5840
	Recurring cost
	Cotton netting material	25 m	300

	Nylon rope for attaching sinkers andmussel ropes	1.5 kg	360
	Mussel seed	200 kg	2400
	Canoe hiring	3days	6000
	Labour for seeding	10 days x 600	6000
	Transportation, marketing		5000
	Total recurring cost (B)		14660
	Unit Cost (A+B)		20500
12	Eco friendly Shrimp farming inPokkali/kaipad areas	5 ha
	Capital Cost (A)
	Repair and strengthening of bund		1000000
	Sluice gate	2 nos.	200000
	Pumpsets, farm equipment Electrificationetc.		120000
	Watchman shed		25000
	Total Capital cost (A)		1345000
	Recurring cost
	Pond preparation		30000
	Shrimp seed	250000 Nos.	150000
	Feed (FCR 1:1.5)	6000 kg	600000
	Fuel & electricity charges		20000
	Watch & ward		20000
	Harvesting & marketing		20000
	Total recurring cost (B)		840000
	Unit Cost (A+B)		2185000
13	Pearlspot Farming	0.2 Ha
	Capital Cost
	Repair and strengthening of bund		16100
	Nets for covering	50 Kg	18000
	Plumbing		12000
	Pen for keeping brood fish		13000
	Water quality testing kits, Name Board, etc.		1940
	Labour charges		3960
	Total Capital Cost (A)		65000
	Recurring cost for one crop
	Bleaching powder	60 Kg	2100
	Lime	100 kg	1200
	Dolomite	80 Kg	960
	Manure	3000 Kg	12000
	Brood fishes (200 gm)	6 Kg	3000
	Fish Seed	1500 Nos.	15000
	Pellet feed (FCR 1.5:1)	1000 Kg	50000
	Miscellaneous		740
	Total Recurring Cost (B)		85000
	Unit Cost (A+B)		150000

Terms and Conditions – Fresh water Fisheries /Brackish fisheries

The area shall be inspected/lay out plan prepared by FFDA/MPEDA/Fisheries Department of Government of Kerala and their suitability report obtained before sanction of LOANS.
Only good variety of prawn /fish fingerlings as recommended by MPEDA/FFDA/Fisheries Dept of Govt of Kerala shall be grown by the beneficiaries under the scheme
The ponds shall be prepared as per the technical guidelines from MPEDA/FFDA/Fisheries Department of Government of Kerala and adequate water level (approximately between 1.0 and 1.5 metres) shall be maintained
Proper arrangements for desilting, deepening and strengthening of the peripheral bunds shall be made. Sufficient number of sluices shall be provided with proper meshing for efficient management and to prevent entry of PREDATORS.
Application of lime/organic and inorganic fertilizers and supplementary feed shall be as per the recommendations of FFDA/State Fisheries Department/MPEDA to ensure optimum prawn/fish PRODUCTION.
Proper arrangements shall be made to divert flood water away from the area of brackish water culture ponds in order to maintain sufficient salinity.
Long stalked grass with long blades commonly occurring in intertidal belts and succulent grass shall be planted in the marginal waters to help the production of periphytic diatoms (prawn food) on them and to provide shelter to molting individuals
At the time of harvest, arrangement shall be made for marketing, processing and preserving fish/prawn.
The Marine Product Export Development Authority, Central Marine Fisheries Research Institute, Fish Farmers Development Agency and Fisheries Department of Government of Kerala shall render all necessary assistance to the borrowers for successful implementation of the scheme
The technical officers of the bank shall be assisted by qualified technical staff in Fisheries Discipline, who will be posted by the Director of Fisheries, Government of Kerala.

A. Marine Fisheries
SlNo.	Particulars	Specification/Unit Size/Rate	Unit Cost for2020-21
1	Country Boat (Catamaran)
	Catamaran (4 logs)		30000
	Net		20000
	Insurance		1200
	Total Capital Cost (A)		51200
	Recurring Cost ( for one month)
	Food expenses		25000
	craft/net repair		10000
	Auction commission		10000
	Total recurring cost (B)		45000
	Unit Cost (A+B)		96200

2	Fibre Glass Catamaran
	Capital Cost
	Catamaran (4 logs)		105000
	Out Board Motor 9.9 HP		117000
	Net & accessories		30000
	Insurance		8900
	Total Capital Cost (A)		260900
	Recurring Cost ( for one month)
	Fuel expenses		35000
	Food expenses		25000
	OBM/craft repair		10000
	Auction commission		10000
	Total recurring cost (B)		80000
	Unit Cost (A+B)		340900

3	Out Board Motor
	OBM	9.9 HP as perquotation	125000
Above rates are as per details given by Dept. of fisheries
Note : Cost is indicative only; actual cost to be based on quotation

4	Fishing gear		300000

5	Inboard engine 120 to 400 HP		1500000
Note : Cost is indicative only; actual cost to be based on quotation

6	Marine Plywood canoe (30’ OAL)
	Marine Plywood canoe	30 ft size	175000

	OBM		125000
	Net & other accessories		150000
	Insurance		12000
	Total Capital Cost ( A )		462000
	Recurring Cost ( for one month)
	Fuel expenses		35000
	Food expenses		25000
	OBM/craft repair		10000
	Auction commission		10000
	Total recurring cost (B)		80000
	Unit Cost (A+B)		542000

7	Fibre glass boat	33 ft
	Capital Cost
	Fibre glass Cattamaram (33′ OAL)		200000
	Out Board Motor	as per quotation	140000
	Webbings & Accessories		160000
	Insurance		13600
	Total capital cost (A)		513600
	Recurring Cost (for one month)
	Fuel expenses		35000
	Food & Travel expenses		25000
	OBM/craft repair		10000
	Auction commission		10000
	Total recurring cost (B)		80000
	Unit Cost (A)+(B)		593600
	Rounded off		594000
8	Thanguvallam with inboardengine	70 ft
	Capital cost
	Thanguvallam (70’ OAL) – MPC withfibre coating		4000000
	In Board motor	280 – 410 HP asper quotation	3000000
	Webbings (3000 kg) & Accessories		4000000
	Insurance		280000
	Total capital cost (A)		11280000
	Recurring Cost (for one month)
	Fuel expenses		300000
	Food & Travel expenses		75000
	OBM/craft repair		50000
	Auction commission		50000
	Total recurring cost (B)		475000
	Unit Cost (A+B)		11755000

9	FRP Tuna Longliner
	FRP craft with insulated fishhold		410000
	Out Board motor ( 9.9 HP, 25 HP)	as per quotation	346000
	Webbings and accessories		330000
	GPS, Echosounder, Life jackets		77500
	Insurance		30000
	Total capital cost (A)		1193500
	Recurring cost ( for one month)
	Fuel expenses		35000
	Food & Travel expenses		25000
	OBM/craft repair		10000
	Auction commission		10000
	Total recurring cost (B)		80000
	Unit Cost (A+B)		1273500

10	FRP boat with Choodavala	36 ft
	FRP craft (36′ OAL) with insulatedfishhold		700000
	Out Board motor ( 9.9 HP, 25 HP)	as per quotation	346000
	Webbings and accessories		1420000
	Carrier boat with OBM		180000
	Insurance		42000
	Total capital cost (A)		2688000
	Recurring cost ( for one month)
	Fuel expenses		175000
	Food & Travel expenses		125000
	OBM/craft repair		25000
	Auction commission		25000
	Total recurring cost (B)		350000
	Unit Cost (A+B)		3038000

Terms and Conditions – Marine Fisheries

The bank shall satisfy itself regarding cost of construction of boats, cost of hull, cost of engine and other accessories , by verification of quotations, vouchers and bills and that the equipment so mentioned is actually installed on the boats.
Mechanized fishing boats should be registered with DG Shipping through of Fisheries.
The mechanized boats accessories shall be insured against marine risk and risk against fire and theft covering entire loan period and relevant policy shall be assigned in bank’s favour and assignment duly registered with Insurance Company.
The bank shall satisfy itself that beneficiaries financed under the scheme are conversant with the operation of fishing boats.
The operational area of boats shall be clearly demarcated by the bank in consultation with the State Fisheries Department in order to ensure proper supervision and monitoring of the operation. The boats may be permitted to shift their operational basis depending upon fishing season only with prior consent of the bank in writing.
The bank shall satisfy itself that infrastructural facilities such as supply of ice, cold storage, service stations, berthing facilities, etc., are adequate at the landing CENTERS.
The bank shall ensure that its supervisory staff undertake visits at periodical intervals and keep a record of their observations on the operation of BOATS.
The bank shall satisfy itself that technical guidance in the operation of boats, if so needed by the beneficiary, is available from the State Fisheries DEPARTMENT.
The bank shall satisfy itself that the arrangements for marketing and processing of fish are satisfactory. Such arrangements shall be reviewed from time to time.

1. Water Resources

7. After-Sales Services

2. LAND DEVELOPMENT

Terms and Conditions

3. FARM MECHANIZATION

4. Plantation and Horticulture

5. Forestry and Waste Land Development

6. Animal Husbandry –Dairy Development

Terms and Conditions

7. Animal Husbandry – Poultry Development

Terms and Conditions – Poultry

Terms and Conditions – Duck Rearing

8. Animal Husbandry – Sheep, Goat and Piggery Development

Terms and Conditions – Goat rearing

Terms and Conditions – Piggery

9. Fisheries Development

Terms and Conditions – Fresh water Fisheries /Brackish fisheries

Terms and Conditions – Marine Fisheries

@SOURCE NABARD