Detailed Project Report (DPR):

Cardamom (Small)
Scheme.1 Development of Commercial cultivation of cardamom
1. Open field condition
2. Integrated Post Harvest Management

Crop Tick mark

Scheme 1. Open field condition of NHB Within overall cost ceiling
components specified crops +Farm Mechanisation
+Good Agri.Practices (GAP)
+Plastic Mulching
2. Integrated PHM
3.1.Integrated Pack House
3.2.Pack house
3.3.Pre-cooling unit
3.4. Cold Room (Staging)
3.5. Mobile Pre-cooling unit
3.6.Ripening Chamber
3.7 Primary Processing
3.8.Refer Van
3.9 Retail outlet

Detailed Project Report (DPR) duly to be signed by

the applicant (s) / authorised person ( in case of legal entity) on each page with date

1
 Index
Project at a Glance Page
1 About the Applicant / Promoter and his/her entrepreneurship 7-10
2 Details of benefits availedby the Applicant / Promoter 11
3 About Project -Name, Rationale, Management and Description
1. Name of Project, Activity, Objectives and expected Outcomes 12-14
2. Rationale / Justification for the project 15
3. Site/ Land details- RoR/ Ownership / Registration of lease/ Map etc. 16
4. Location of the Project- Identification 17
5. Current usage of land of proposed Project Area 17
6. Current infrastructure and assets possessed by the Applicant: 18
7. Lay out plan of the project 18
8. Conversion of Land Use (CLU) 18
9. Whether project site is part of production belt / cluster / hub 18
10. Rationale for the location of the project 19
11. Compliance of project site for food safety 20
12. Components / Activities of the Project with justification 21-23
13. Operations planning 24
14. Month wise operational chart / Implementation schedule 25
15. Backward and Forward linkages. 26-27
16. Manpower (Skilled & Unskilled labour etc.) availability 28
17. Employment generation 29
18. Infrastructure (Power, Fuel, Water, Plant and Machinery, 29
connectivity, Effluents treatment etc.)- Required, Already available,
Gaps and the management.
19. SWOT Analysis 30
20. Monitoring and evaluation 31
4 NHB Scheme under which the project is proposed with rationale / 32-33
justification.
5 Project details
5.1 Agro-climatic suitability / feasibility
1. Origin, introduction and distribution of crop in the said location, 34-36
India and in the world (briefly)
2. Agro-climatic / Horticultural zones and suitability of the crop (s) 37
3. Soil type and latest health-suitability for the crop 38
4. Water (irrigation) source, availability, Quality and suitability 39
5.2 Market viability
1. Commercial and Nutritive importance / significance, composition and 40
Uses
2. Target Market (s) 41
3. Statistics: India and State: Area, Production and Productivity in the 41-43
District, State and India for the last 5 years
4. Clusters of the project crop in the state. 44
5. Demand and Supply gap 45
6. Global producers- Country, Area, Production, Productivity and global 46
market share in the last available 5 years.
7. International trade and potential (for export oriented projects) 46
8. Seasonality of crop / produce and its comparison with other 47

2
 availablecrop/ produce
9. Price variation of commodity in the State and nearby markets 48
10. Balance sheet of commodity in the State 48
11. Transportation 49
12. Value Addition scope 49
13. Central and State Government policy 49
14. Value chain in the commodity 50
15. Proposed Business strategy for Market viability 50
5.3 Financial viability
1. Due diligence status 51
2. Project Cost 51-52
3. Means of Finance 53
4. Investment in Horticulture 54
5. Key financial Indicators 54
6. Project Financing 55
1. Rate of Interest do
2. Percentage of Term loan against total project cost do
3. Internal Rate of Return (IRR) do
4. Cost of Production and Profitability do
5. Yield and Sales Chart do
6. Proposed Balance Sheet do
7. Proposed Cash flow Statement for repayment period. do
8. Proposed Profit & Loss Account do
9. Proposed Repayment of Term loan and Schedule do
10. Break Even Analysis do
11. NPV (Net Present Value) do
12. Economic Rate of Return do
13. Depreciation do
7. Risk Analysis and management 56-57
8. Statement of Assets and liabilities 58
9. Farm record keeping/ Maintenance proposed 59
5.4 Land development and Crop Husbandry
5.4.1.Land development 60
5.4.2.Selection of Quality Planting Material
1. Recommended and popular Cultivars- varieties/hybrids, their specific 60-63
characteristics, requirements and yields.
2. Cultivar/Hybrid/Variety selected and Criterion adopted for selection 63-65
3. Propagation methods. 66-70
4. Accredited / Good Nurseries in the area 70-73
5. Planting material-source, quality and suitability 73
5.4.3.Orchard / Site planning, Lay out and management
1. Coconut establishment and layout systems 74
2. Land preparation 74
3. Planting Season / time and density and transplanting 75-76
4. Water and Nutrient management 77-80
5. Intercultural operations including Weed management 81
6. Plant canopy architecture management/ training and pruning 81
7. Use of Pollinators & pollinisers 81

3
 8. Integrated Pest and Disease Management 82
9. Physiological disorders- causes, preventive and management 82-91
measures.
10. Special problems if any -
5.4.5.Farm Structures and Mechanisation 92-93
1. Farm Mechanisation 93
5.4.6.Harvesting and Fruit / flower care management
5.5 Post-Harvest Management
1. Post-Harvest infrastructure scenario in horticulture sector in the State 94-95
and specially for the proposed crop / component
2. Product/ Process Flow chart 96-98
3. Lay out / Floor Plan of post-harvest operations -
4. Post-harvest operations -
1. Pre-cooling -
2. Curing -
3. Cleaning / Washing -
4. Sorting and Grading -
5. Packing and labelling -
6. Ripening -
7. Transport -
8. Storage- Low cost / cold storage/ CA -
5. Post-harvest infrastructure – Integrated Post-harvest Management -
1. Integrated Pack house -
2. Pack House -
3. Pre-cooling unit -
4. Cold Room (Staging) -
5. Mobile Pre-cooling unit -
6. Ripening Chamber -
7. Primary Processing -
8. Refer van -
9. Retail outlet -
10. Labour/ Store room -
5.6 Marketing
1. Connectivity 99
2. Aggregation & Assembling: Marketing infrastructure 99
3. Market Institutions and agents 99
4. Demand and Supply trends and forecast both in local and National 99
markets.
5. Traceability record 99
6. Proposed value chain / method of Marketing by the Applicant 100
5.7 Value addition / Processing 101
6 Technology providers
1. ICAR /CAU/ SAU/SHU / Research Stations and Experts names 102
2. Experts-whose services are availed 103-
104
3. Agri/Horti-Business incubators 104
7 Food Safety -With /Without GAP certification
1. GAP Certification if any 105

4
 2. Food safety measures
1. Pre-planting 105-
106
2. Crop husbandry 106
3. Harvestings 107
4. Post-harvest 108-
109
8 Innovation if any 110
9 Profitability of the project (Horti-business): Critical observations of 111
Applicant
10 Checklist 112-
116
11 Declaration from Crop Expert and Project Finance Expert 117-
118
12 Self-declaration by the Applicant 119

Annexure: Proposed stages in NHB Scheme Implementation 120-

122

5
 Project at a Glance
1. Applicant (s)/ Legal entity Name
2. Constitution / Applicant nature / beneficiary
3. NHB Scheme for which DPR is made Scheme -1
4. Project Activity Cardamom
5. Nature of project- Green field/ pre-existing- expansion / component
specific
6. Products, By-products and services
7. Project Area and Survey /khasra/ Gat/Dag No.
8. Project Site Address with Postal Code and Police Station Name
9. Agro-climatic suitability
10. Research institution whose technology and package of practices are
proposed to be followed
11. Existence of similar project activity in the said District
12. Whether the project is located in the crop cluster/ hub/ belt Yes/No
13. Project economic period/ economic life
14. Total Project Cost
15.  Open field condition
 Integrated Post Harvest Management
 Total
16. Project completion period ( in months)
Expected Implementation Commencement
timeline Completion
17. Total Eligible Project cost as assessed by the Applicant as per NHB
guidelines
18. Bank/ Financial Institution identified for Term loan
19. Proposed Means of Promoters contribution (in Lakh Rs.)&%
Finance Bank Term loan (in Lakh Rs.) &%
Un secured loan (in Lakh Rs.) &%
Total
20. Likely Employment generation (man days)
21. Security
22. Gestation period
23. Projected Current Ratio other than export units
24. Key CR-Export units
Financial IRR /BCR
Parameters DSCR*
Average DSCR
Debt to Equity Ratio i.e DER
TOL/TNW
Promoters Contribution
Break Even Point
Security Coverage Ratio
Repayment period
25. Productivity expected (in MT/Qtl/Kg/numbers)
26. Likely Gap in productivity compared to National /Global average
27. Potential Market (s)for the commodity and distance from the project
site

6
 1. About the Applicant / Promoter and his/her entrepreneurship

A. About Applicant / Promoter

1.1.In case of Individuals or Group of farmers (if applicable)

Individual
1. Name of Farmer /
Entrepreneur/Individual/ Proprietor
2. Parents or spouse name of Individual
Group of Farmer growers / SHG- Promoters
1. Name of Group
2. Names of all members of group with their
father, mother/husband/ wife name
1.2.In case of Legal entity (if applicable)
Name / Title
1. Incorporation / Registration number & date of registration
2. Act under which Registered
3. Registering authority
4. Name of Promoter / CEO/CMD/MD/
5. If it is FPO/ FPC/ Producers Co-op society / Growers Co-operative
Marketing federation- Please specify
6. If it is Reg. Society/ Company/ Corporation / Partnership firm /
Proprietary firm- Please specify
7. Name of Promoter
8. Status of the promoter / applicant in the legal entity-please specify
9. Whether the promoter / applicant is authorised by the Legal entity-
Yes/No
10. In case of Company/partnership firms / legal person
a. Certified copy of Company/Partnership incorporation/ registration
certificate issued by Competent Authority, as applicable
b. Certified copy of MoA/Bye Laws
c. Certified copy of Board of Directors Resolution duly passed and
authorizing signatory of application to apply for IPA
d. Certified copy of latest Audit Report, if applicable
i. (are to be made available in case the project and the
application is considered for processing.- State Yes/No
11. NGO- Specify
1.3.Government Institutions / Organisations-- Please specify (if applicable)
(i) Marketing Board / Agricultural Produce Marketing Committee APMC
(ii) Municipal Corporation
(iii) PSU/ Agro-Industries Corporation
(iv) ICAR/CAU/SAU/ Government R&D Institution

7
1.4.Statutary registration
a. PAN No
b. Aadhaar No. Yes/No
1.5.Correspondence Address Postal Address with PIN code
Telephone
Mobile
Email id
Fax if any:
1.6.Project / Site Address

1.7.Social Category General / SC/ST

( In case of legal entity the OBC
CEO and Board of Directors Minority
social category is to be (Muslim/Christians/Sikhs/Buddhists/Parsis/Jains)
mentioned) In case of SC/ST applicants a Certified copy of
Caste Certificate issued by Competent Authority
is to be enclosed. In case of others a self-
declaration is to be enclosed.
1.8.Location: TSP / NE Region In case of TSP a self-attested copy of notification
/ Hilly States is to be enclosed.
1.9.Gender Male / Female/Transgender

8
B. Applicant/Promoters’ Entrepreneurship:

1.10. CV / Biodata of Applicant (s) / Promoter (s) (Authorised by legal entity)in brief: ( If
applicants are more than one, all are to provide their CV / Biodata)

a. Name of Applicant/ Promoter:

b. Fathers’ name:
c. Date of Birth
d. Place of Birth (village/town/city, District and State)
e. Permanent Address:
f. Educational qualification (Higher Secondary, Under graduation Degree and above)

Education Name of Board / Year of Remarks

Metric/ U education / College / Pass
specialisation University/
Institute

g. Current profession.

h. Previous profession during the last 5 Years.

i. Experience- General and Horticulture

a. General (Other than Horticulture)

b. Horticulture

1.11.Commitment by the applicant: In case the project is approved for pre-IPA, the
promoter / CEO/CMD should undergo a 2 Weeks (min.10 working days)project specific
training programme in case of Open field condition and protective cover (with or without
PHM component) and a minimum of 1 Week programme in case of standalone PHM
component in one of the ICAR/CAU/SAU/SHU/ Research Station/ Centres of Excellence/
related Central or State Government institution/ others as found appropriate / approved by
NHB.

9
In case of a Partnership firm/ Company / Legal person

a. Objectives as per Memorandum of Association (MoA) / Rules:

b. Professional history of Legal entities Farmers Producer Organisations (FPOs), Self

Help Groups, Partnership/ Proprietary Firms, NGOs, Companies (as a Board of
Director), Corporations, Cooperatives, Co-operative Marketing federations/
Government Institutions.

c. Management structure if it is a company/ firm etc depicting the position of the

applicant.

10
2.Details of benefits availed/ proposed to be availed by the applicant- either individually
or as a member of Association of growers, Group of Farmer Growers/consumers, Farmers
Producer Organisations (FPOs), Self Help Groups, Partnership/ Proprietary Firms, NGOs,
Companies (as a Board of Director), Corporations, Cooperatives, Co-operative Marketing
federations from (i) NHB and (ii) other Ministries/ organisations of Central Government and
(iii) State Governments including NHM for Horticulture related projects.

Note: The beneficiary should be truthful. In case any information is received later on at any
stage about his/her availing of benefit which is not disclosed hereunder will entitle NHB to
reject the current proposal and recover the funds if already released.

2.1. In this / proposed project and location:

1. Whether the proposed project proposal has been submitted for consideration under
any State Government or Central Government Scheme for financial grant? If yes give
details.

2. Whether any subsidy has been availed from the Board, other Central Govt.
organisation or State Government for the same activity on the same piece of land,
khasra/ Gat/Dag/ etceither in his / her own name individually or in the name of his/her
family members or through any legal entity in which he/she is the beneficiary either in
the same location, project.- Yes/ No.If Yes, Please provide details

Constitutio Ministr Schem Project Project Land Eligibl Total Current

n– y/ e / Locatio Surve e subsid status of
Individuall Organi Name Activit n y No Project y/ project-
y or in any sation y cost grant Operational
form /
( Rs.in ( Rs.in underutilise
lakhs) lakhs) d / closed

11
2.2. In earlier/ any other Project (s)

2.2.1.NHB : either in his / her own name individually or in the name of his / her family
members or through any legal entity in which he / she is the beneficiary either in the current
proposed project location or any other location. Whether any assistance in the form of soft
loan and subsidy has been availed earlier from the National Horticulture Board? If yes, give
details thereof

Year Scheme Project / Project Land Eligible Total Current status

Name Activity Location Survey Project subsidy of project-
No cost /grant Operational /
availed underutilised /
closed

2.2.2.Central Government- Ministries / Organisations: either in his / her own name

individually or in the name of his / her family members or through any legal entity in which
he / she is the beneficiary either in the current proposed project location or any other location.

Year Scheme Project / Project Land Eligible Total Current status

Name Activity Location Survey Project subsidy / of project-
No cost grant Operational /
availed underutilised /
closed

2.2.3.State Governments: either in his / her own name individually or in the name of his / her
family members or through any legal entity in which he / she is the beneficiary either in the
current proposed project location or any other location.

Year Scheme Project / Project Land Eligible Total Current status

Name Activity Location Survey Project subsidy of project-
No cost /grant Operational /
availed underutilised /
closed

12
2.3. Operational status of earlier Scheme under NHB and other Central Ministries and State
Government.

Year Organisation Activity Project Annual Exports Profitable Remarks

/ Ministry Operational Turnover if any or loss / Reasons
status (of making
(Running or previous
Closed) Year)

2.4.Please provide map of earlier / other subjects and this project- Key map of project land
showing project details and land boundary details

2.5. Provide the following details:

a. Have you ever been refused / denied subsidy claim from NHB, NHM, APEDA,
NCDC, MoFPI? If Yes please provide details of (i) Project code, (ii) Name of
Applicant, (iii) Address (iv) Project activity etc. and the reason for such refusal /
denial:

b. If you were a recipient of Government subsidy, have you / your Bank/FI ever been
asked to refund the subsidy / call back ? If Yes please provide details of (i) Project
code, (ii) Name of Applicant, (iii) Address (iv) Project activity etc. and the reason for
such refusal / denial:

Attention:

1. In case the project application is considered for Pre-IPA, the applicant shall have to
enclose No Objection Certificate from State Government that there is no duplication of
funding for the project and the applicant shall also submit self-declaration that he/she is
not availing government subsidy / grant / assistance from any other ministry.

13
 4. About the Project, Rationale, Management and Description

2.1.About the Project

1. Name of the Project
2. Correspondence Address:
3. Address of Project Site :
4. Project Activity and Scheme components (Should be as per NHB scheme latest
scheme guidelines- please verify):

Name of the scheme and component Unit Tick mark

relevant
componen
t

No.
5 Development of Commercial Horticulture through
Production and Post-Harvest Management of
Horticulture Crops
1. Open field condition
2. Integrated PHM
a. 3.1.Pack House
b. 3.2.Integrated Pack house
c. 3.3.Pre-cooling unit
d. 3.4. Cold Room (Staging)
e. 3.5. Mobile Pre-cooling unit
f. 3.6.Ripening Chamber
g. 3.7 Primary Processing
h. 3.8 Refer Van
i. 3.9.Retail outlet (environmentally
controlled)
3. Add on components

6. Details of Crop in case of Open field condition / Protected cover

Name of the Variety / Area ( acres ) No. of plants Source of

Crops Hybrid/ Planting
Cultivar Material

7. Products, by products and Services of the Project

8. Objectives of the Project
9. Expected Outcomes of the Project including Products / and Services of the Project
10. Socio-economic benefit to the region /District / State

14
3.2.Rationale / Justification for the project

3.2.1. Rationale

3.2.2.Details of similar projects / crop in the neighbourhood and the District -Area,
Production, Productivity briefly. Provide more details in Market viability chapter.

3.2.3.How quality of inputs/ raw materials is assured.

3.2.4.About Bank/ FI: Name of the Bank/FI, branch and its code identified for Term loan
and Rationale

Name of Bank/ FI
Bank/FI Branch Address
Bank/FI Branch contact Number
IFSC code

15
3.3.Project Site/ Land details:

3.3.1.Proposed Project Area:

Activity Area proposed

1 Cultivation –
Open Cultivation (Ha)
Protected Cultivation (Sq.Mt)
2 PHM
3 Plant and Machinery
4 Any other activity

3.3.2.Land details- RoR/ Ownership / Registration of lease/ map etc.

Name of Owner of land proposed for the project

as per Land Revenue Records
Whether title of the land is clear in the name of
applicant and is free from any litigation
How Title is derived Ancestral
Purchased (with details
of date)
Encumbrances if any
Name of the Owner in case of joint ownership Survey/ Area in Share
Gat Sq.mt / Ha
/khasraNo
etc.

Whether land boundaries are demarcated for the Yes/No

applicant clearly.
In case of Partnership
1. Whether land is owned by Partnership Yes/No
firm or jointly by its partners
2. NOC:If land is owned by one of the
partner, an undertaking by land owner is
required stating that he/she will not
withdraw, sale or transfer his/her land
during currency period of the project
In case of Lease
1. In case the land is that of leased,
Registration details of the said leased
land in the office of Sub-Registrar
2. No.of Years of lease
3. Whether lease is entered in RoR Yes/No
Whether land is mortgaged? If yes provide
details of mortgagor and mortgagee

16
3.4. Location of the Project- Identification (Longitude, Latitude, Altitude, Village, GP,
Block, District, State), Area, Number of growers.

1. Location Address
2. a. Survey/Khasra/ Dag/ Other No
3. b. Habitation/ Village
4. c. Gram Panchayat / Urban body
5. d. Block / Urban body
6. e. Sub-Division
7. f. District
8. g. State /UT
9. Location Longitude, Latitude& Altitude
10. Total Area of land owned (ha)
11. Total Area proposed for project (ha)

3.5. Current usage of land of proposed Project Area

Proposed Project Current usage

Survey / Dag Nature of Area (ha) Activity / Area (ha) Mortgage
etc.No land Crop Yes/No
Dry/ If Yes with
Irrigated/ whom
Waste land

17
3.6. Current infrastructure and assets possessed by the Applicant:

Category Asset Name Year of Make Capacity Cost

Purchase
Fixed Tube well
Assets
Dug Well
Drip irrigation
Electric Motors
Tractor
Tiller
Transport vans
Vermi compost shed
Stores
Pack house
Labour room
Water harvesting pond
Installation/digging
Pipeline
Others
Operating Planting Material
Assets
Support system
Tools and implements

3.7. Lay out plan of the project/ Map of Farm / production/ Operations unit / project land
showing project details and land boundary details

3.8. Conversion of Land Use (CLU) if applicable

3.9. Whether project site is part of production belt / cluster / hub ? If yes, provide
details of working relations with other farmers

18
3.10. Rationale for the choosing the said Location for implementation of the project/ Location
advantages and disadvantages

19
3.11. Compliance of project site for food safety

The information on soil condition and site on water logging, industrial waste and effluents.

Run off and contaminated water is not allowed to enter fields.

20
3.12. Components / Activities of the Project with justification (Please refer NHB scheme
guidelines)

Name of the scheme and component Justification

No.
1 Development of Commercial Horticulture
through Production and Post-Harvest
Management of Horticulture Crops
1. Open field for specified crops
2. Protected cultivation for specified crops ---
3. Integrated PHM
3.1.Integrated Pack house
3.2.Pack House
3.3.Pre-cooling unit ---
3.4. Cold Room (Staging) ---
3.5. Mobile Pre-cooling unit ---
3.6.Ripening Chamber ---
3.7 Primary Processing
3.8. Refer Van
3.8.Retail outlet (environmentally
controlled)

21
Component wise cost of the Project and NHB Norms

Scheme Items Sub- items Capacity/ Units/ Likely NHB

Component Area/ Numbers / unit Norm
spacing/ cost (Rs/Acre)
size
Etc.
Open field Cultivation Planting material 6650
Cultivation Expenses Input cost MIDH
(Labour, Manure Norms
& Fertilisers,
pesticides etc.)
Others
Irrigation Tube well/ bore 2.5Lakhs/
well/ Open well
(Nos.)
Cost of Pipeline 150/- per
from source of running
irrigation to metre (4”
production dia)
unit(Length, Size
& Material)
Water harvesting Rs 100/-
structure / Water Cum
tank min. 300 (300micro
microns ms/RCC)
Non lined 30% less
ponds/tanks of above
Others
Drip / Sprinkler 20,000/
per Acre
Civil Functional pack Rs
Infrastructure house 4Lakhs
per unit
Store & Pump Rs
house (Area in 20000/-
sq.ft with size) per Acre
Labour room & go Rs
down (Area in 20000/-
Sq.ft with size) per Acre
Others
Farm Tractor upto 20 Rs.3
Mechanisation BHP Lakhs
(AC) Power Tiller HP Rs.105
Lakhs
Equipment’s- 30000/
driven by Tractor/ per unit
Power Tiller
Mulch laying
machine
22
 Self-propelled
hort. Machinery
Others
Land Soil levelling / 15 %
Development Digging/Fencing
etc.
Others if any
Land if newly purchased but not 10%
before one year from date of
sanction of Term loan (indicate
year)
Vermi Compost Unit Rs.60000/
unit
 1. Permanent Structure Rs.60000/
unit
 2, HDPE Vermibed(12ft X 4ft X2 ft) Rs.10000/
unit
Certification of Good Agricultural Rs.4000/
Practices (GAP) including Acre
infrastructure (AC)
Plastic Mulching Rs.12800
/Acre
Others
Grand Total
Note: NHB Norm: means Over all ceiling in project mode with add on component as per NHB Scheme guidelines.
(Appendix 1-A)
AC: Add on component: Over and above the cost ceiling.

3.13.Operations Planning

1. Name of Farm / Project Manager (working directly

under the applicant / CEO) if any.-optional
2. Name of agency executing erection of Protected
structure -and contact person Name and contact
numbers
3. Name of agency providing technical know-how ICAR-CPCRI, Kasaragod
and turn key for cultivation- and contact person 04994-232894
Name and contact numbers
4. Operations:
1. Land preparation Own / custom hiring
2. Procuring planting material/ seeds Own / outsourcing
3. Orchard planning, layout Own / outsourcing
4. Water and nutrient management Own / outsourcing
5. Integrated Pest & Disease management Own / outsourcing
6. Physiological disorders Own / outsourcing
7. Farm Mechanisation Own / outsourcing
8. Harvesting/ Fruit care management Own / outsourcing
9. Post-Harvest Management Own / outsourcing
a. Pre-cooling Own / outsourcing

23
 b. Curing Own / outsourcing
c. Cleaning / Washing Own / outsourcing
d. Sorting and Grading Own / outsourcing
e. Packing and labelling Own / outsourcing
f. Ripening Own / outsourcing
g. Transport Own / outsourcing
h. Storage- Low cost / Cold Room/ Own / outsourcing
CA
i. Refer van Own / outsourcing
j. Retail outlet Own / outsourcing
k. Cold chain Own / outsourcing
10. Marketing Own / outsourcing
11. Processing Own / outsourcing

24
3.14. Month wise operational chart / Implementation schedule: Commencement to
completion:

Project Implementation period in case of approval: Months.

Proposed/ Tentative dates of Bench mark / Activity Approximate date

Project Commencement
First Commercial Crop /
plantation / operations if any
Project Completion

Activity Uni Months

ts
JF MA MJ JA SO ND
1. Land Year 1
development
2. Land Year 1
preparation
3. Procuring Year 1
planting
material/
seeds
4. Orchard Year 1 Year 1
planning and
layout
5. Water and Through Through Through Through Through Through
nutrient out the out the out the out the out the out the
management economi economi economi economi economi economi
c life c life c life c life c life c life
6. Integrated Through Through Through Through Through Through
Pest & out the out the out the out the out the out the
Disease economi economi economi economi economi economi
management c life c life c life c life c life c life
7. Physiological As and As and As and As and As and As and
disorders when when when when when when
occurred occurred occurred occurred occurred occurred
8. Farm
Mechanisatio
n-
procurement
9. Farm
Mechanisatio
n operations
10. Harvesting/ Peak Peak Peak
Fruit care season season season
management (from 8th (from 8th (from 8th
year year year
onwards) onwards) onwards)
11. Post-Harvest

25
 Management
a) Dehuskin Accordin Accordin Accordin Accordin Accordin Accordin
g g to the g to the g to the g to the g to the g to the
harvest harvest harvest harvest harvest harvest
b) Sorting Large Large Large Large Large Large
and and and and and and and
Grading small small small small small small
nuts nuts nuts nuts nuts nuts
c) Transport
d) Storage
e) Cold
chain
12. Marketing
13. Value/ Accordin Accordin Accordin Accordin Accordin Accordin
addition g to the g to the g to the g to the g to the g to the
Processing product product product product product product
line line line line line line
Note: The table can be extended as per need.JF: January/ February; MA: March/April and similarly other abbreviations.

3.15. Backward and Forward linkages

1. Backward linkages -with growers, input suppliers etc.

Operations Agency / Agents / providers Remarks

Seed/ Planting Material ICAR-CPCRI, Kerala
Agricultural University
Manure Co-Op Societies
Fertilizers Co-Op Societies
Bio fertilizers State Department of
Agriculture
Bio pesticides State Department of
Agriculture
Pesticides / Insecticide Co-Op Societies
others

26
 2. Forward linkages- for Domestic and Export Market

Operations Agency / Agents / Service Remarks

providers
Storage Unit
Processing Unit
Local Market NAFED
Terminal market NAFED
Farm Market

3. Briefly explain as to how the produce will be consolidated (backward linkages) and
marketed/exported (forward linkages)

It is always better to go for at least minimum processing in the case of coconuts. Once we
follow the standard practices/ community based copra drying, the copra will fetch excellent
market price, if followed the market outlet through coconut producer’s society. In the case of
price crash, minimal processed better copra will fetch assured prices from the NAFED or
other authorised state level procuring agencies.

27
3.16. Manpower (Skilled Labour, Expertise etc.), Required, Already available, Gaps and the
management in an Year.

3.16.1.Managerial and Technical

Managerial Technical Gap

Requirement Availability Requirement Availability S US
Number No.of Number No.of N D N D
Days Days

a)
b)
c)

3.16.2. Skilled and Unskilled Labour

Skilled Labour Unskilled labour Gap

Requirement Availability Requirement Availability S US
Number No.of Number No.of N D N D
Days Days
Operations/
activity
d) Administration
e) Manager
f) Finance &
Accounts
g) Typing / IT
operations
h) Watch man
Crop husbandry
*
a) Digging pits
b) Planting
c) Base opening
and
application of
manures and
fertilizers
d) Irrigation
(Drip)
e) Weeding
(Machine)
f) Plant
protection
measures
g) Harvesting
* For 175 plams/ha

28
3.17. Employment Generation per annum

No.of man days / Annum

Permanent man power -Permanent (on rolls)
Casual / Temporary

3.18. Infrastructure (Power, Fuel, Water, Plant and Machinery, Effluents treatment etc.)-
Required, Already available, Gaps and the management.

Utility Requirement Remarks

Power Likely requirement per month for the
purposes of …………………………
Source of Power
Access to Power is assured or not
Alternative Source of Power in case of
breakdowns
Water Source – Ground Water /Surface Water
Existing or New source
Plant &
Machinery
Fuel Access to fuel to power- Generators-
Yes/No
Nearest fuel depot
Effluent Facility and method adopted for effluent
treatment treatment.
Road Distance from the State Highway and
connectivity National Highway.
Rail
connectivity
Air connectivity
Market
connectivity
Vermi compost If available Numbers and Capacity.
Types:1. Permanent Structure and 2,
HDPE Vermibed (12ft X 4ft X2 ft)
Animal Details of Animals
Husbandry Capacity / Income
Environmental
issues of the
project if any
Fencing
Any other

29
3.19. SWOT Analysis

1 Strengths
Domestic market
Excellent R & D
Empowerment-Decentralised
Coconut Producer Societies

2 Weaknesses Global competitiveness-Weak

Diseconomies of scale
Senile palms
Long gestation period
Price fluctuation

3 Opportunities Growth rate in coconut consumption (confectionery use)

Unexplored domestic market

4 Threats Evolving Free Trade Agreements

Stringent food safety norms
Possible short term price crash
Substitutes such as palm oil

30
3.20. Monitoring and evaluation of Project:

ICAR Institute or CAU/SAU / SHU or Consultant or any other organisation

Attention of the applicant:

1. Applicant has to intimate the Board before effecting change of project land, crop, area,
bank etc in the proposal before claim of subsidy. (page 121 of guidelines point 10(vi).
Thus Any change in crop or project site without prior approval of NHB shall make the
component or project, as the case may be, ineligible for getting subsidy.
2. Even the change in FI / Banker should be done with prior approval of NHB.

(Signature of the Applicant)

with date and time.

31
4 NHB Scheme under which the project is proposed with rationale /
justification.

1. Scheme.1: “Development of Commercial Horticulture through Production and Post

Harvest Management of Horticulture Crops”.

1.1 Commercial Horticulture Development in Open Field Conditions on Project

Mode
National Horticulture Board will take up integrated commercial horticulture development
projects in the open field condition on project mode, including components viz planting
material, plantation, irrigation, fertigation, mechanisation, precision farming, GAP etc. for
projects covering area over 2.00 ha. (5 Acres). Integration of production unit with on farm
PHM components and primary processing unit shall also be allowed in project mode.
Cost of raising new plantation will vary from crop to crop, which will be taken into
consideration while providing assistance to the beneficiary. PHM infrastructures,
irrigation and micro irrigation etc shall be eligible under the scheme for assistance in
existing/new orchards/ projects to increase productivity.

1.2. Integrated Post Harvest Management projects

The Board will take up Integrated Post Harvest Management projects relating to Pack
House, Ripening Chamber, Refer Van , Retail Outlets, Pre-cooling unit, Primary
processing etc. NHB will also take up projects in component mode and for standalone
projects of PHM components.

2. Cost Norms and pattern of assistance:

2.1 Cost Norms: Coconut
No. of plants /Acre:95 Nos
Planting Material/Acre Rs.6650/-
Overall ceiling In Project mode with add on component: Rs.1, 50,000/-

2.2 Pattern of assistance

Credit linked back ended subsidy @ 40%

of project cost limited to Rs.30.00 lakh
per project in general areas and @ 50% of
project cost limited to Rs. 37.50 lakh for
NE and Hilly States for subsidy on the
pattern of HMNEH States and scheduled
areas.

2.3. Cost Norms & Pattern of Assistance

The Maximum cost ceiling of Rs. 145.00 lakhs for the component of
PHM project. NHB cost norms for Primary processing at the rate of
Rs.25 lakhs / unit.

32
3. Rationale for justification for taking up the proposed project under the scheme No.1
and its components.

33
5. Project details

34
5.1 Agro-climatic suitability

5.1.1 Origin, History, and Distribution

1. Origin of the crop and its introduction into India:

Cardamom (Elettaria cardamomum Maton) is a large perennial, herbaceous
rhizomatous monocot, belonging to the family Zingiberaceace. It is native of the
moist evergreen forests of the Western Ghats of Southern India. In India, genus
Elettaria is represented only by one species (E. cardamomum). It is grown in the
hilly regions of South India at elevations of 800-1300 m.

The present cardamom-growing tract in India is concentrated mainly in those

regions, which are its natural habitat. It lies between 8030' and 14030' N latitude
and 75-70'E longitude. It is an elongated tract from North to South extending from,
Sirsi of Karnataka to Thirunelveli of Tamil Nadu, stretching over 2000 km. East to
West, it is a narrow belt of land distributed over the Western Ghats. The important
areas of cultivation are Idukki, Nelliampathy and Wayanad in Kerala, Uttar Kannada,
Shimoga, Hassan, Chickmagalur and Kodagu districts in Karnataka; Northern and
Southern foot hills of Nilgiris, Madurai, Salem, Thirunelveli, Anamalai and parts of
Coimbatore districts in Tamil Nadu.

Based on the adaptability, nature of the panicle, shape and size of fruits three types
of cultivated small cardamom have been identified (Malabar, Mysore and Vazhukka).

2. Distribution of crop across the country

Small cardamom production in the country is highly concentrated in small agro-
ecological pockets. The state of Kerala accounts for 88 per cent of the total small
cardamom produced in the country. Within Kerala, Idukki district alone cultivates
small cardamom in 38,000 ha making it the nerve centre of small cardamom
production in the country. The other major producers of small cardamom are
Karnataka (7.0 %) and Tamil Nadu (4.1 %). India produced 20650 tonnes of small
cardamom from an area of 69,000 ha during 2017-18. Guatemala and India are the
leading producers of cardamom together accounting for more than 70 per cent of
the global production. The global production of cardamom is estimated to be 40,000
tonnes during 2017-18. The highly concentrated niche of production presents an
opportunity for the producing regions to command a significant influence on the
markets.

35
5.1.2.Agro-climatic / Horticultural zones including Rainfall, temperatures at critical
stages and suitability of the project (Not applicable to standalone PHM projects)

Parameter Recommended@ Project location Remarks /

parameters# deviations
Climate Tropical
Altitude 600-1200 m
MSL
Climatric / Non Climatric
Thermo sensitiveness of crop
Photosensitive
Temperature range
1. Mean monthly / 15-35 °C
Average temperature
2. Av.Max.temperature 35 °C
3. Av.night temperature 15 °C
4. During Crop duration 15-35 °C
5. Flowering
6. Fruiting
7. Maturity
8. Fruit quality
9. Season
Rainfall / Water 1500-2500 mm
1. Land preparation
2. Flowering
3. Fruiting
4. Maturity
5. Season
Humidity 75-90 %
1. Flowering
2. Fruiting
3. Maturity
4. Season
Winds during crop season
1. Wind velocity
Shade loving? Yes
@ Note: Organisation / Institution (ICAR/CAU/SAU/SHU/ other) making recommendation
and its source should be specified. @ Recommended by ICAR-IISR, Kozhikode
#: Provide source (could be IMD/Agric.Univ/State Govt.) and weblink if possible.

Risk management/ Deviation Management if any:

Conclusion: Whether project crop is recommended for the project location Yes/No

36
5.1.3.Soil Type and health -requirements and that of project suitability
(Not applicable to standalone PHM projects)

As recommended Project location Deviation if Date on which

by ICAR data as per latest any and soil health is
/CAU/SAU/SHU Soil health test Management tested and the
name of the
Institute
Soil type Forest loam soils
which are
generally acidic
Texture Loamy
pH 5.5-6.5
Organic carbon 1.5-2.5%
Electrical < 1 dSm-1
conductivity
Potassium >200 kg/ha
Nitrogen >250 kg/ha
Phosphorus >12 kg/ha

@ Note: Organisation / Institution (ICAR/CAU/SAU/SHU/ other) making recommendation

and its source should be specified.

#: Provide details of Soil Test Laboratory (should be that of Agriculture Dept/ Agric.Univ/
Central or State Government) where Soil is tested with contact details of Head of Laboratory/
Analyst with telephone and mobile details and weblink if possible. A self-attested copy of the
laboratory results should be submitted in case project is qualified for processing for subsidy
claim.

Whether project location is a problematic soil- Alkalinity/Salinity/Others: if Yes.

1. Causes
2. Reclamation / Management/ Amendments proposed:

Conclusion:
Whether project location soil is suitable for the crop / activity.

37
5.1.4.Water/ Irrigation water Quality -requirements and that of project suitability
(Not applicable to standalone PHM projects)

As recommended by Project location data as per

ICAR /CAU/SAU/SHU latest Water Analysis test#
pH 6-7
EC < 1 dSm-1
Total salt concentration / TDS < 1000 mg/L
Sodium Absorption Ratio < 10
(SAR)
Bi-Carbonate < 1.25
Boron concentration <1
Heavy metals -
Pesticide residue -

@ Note: Organisation / Institution (ICAR/CAU/SAU/SHU/ other) making recommendation

and its source should be specified.

#: Provide details of Laboratory (should be that of Agriculture Dept/ Agric.Univ/ Central or

State Government) where water is tested with contact details of Head of Laboratory/ Analyst
with telephone and mobile details. A self-attested copy of the laboratory results should be
submitted in case project is qualified for processing for subsidy claim.

Conclusion: Whether project location water source is Yes / No

suitable for the crop / activity.

38
 5.2. Project- Market viability of the Project

5.2.1. Commercial (and nutritive -where ever applicable) importance / significance,

composition and uses.

The composition of cardamom varies with the seeds and the capsules and its volatile oil,
as detailed below:
Seeds
Composition Per cent
Moisture 7-10
Total ash 3.8-6.9
Water soluble ash 1.3-5.05
Crude fibre 6.7-12.8
Starch 39.0-49.9
Phosphorus 0.215
Calcium 0.3
Sodium 0.015
Potassium 1.2
Iron 0.012
Volatile oil 5.5-10.5
Alkalinity of ash 0.4-2.4
Acid insoluble ash 1.3-5.0
Crude protein 7.0-14.0
Vitamins (mg/100g)
Vitamin A 175IU/100g
Vit B1 (thiamine) 0.18
Vit B2 (Riboflavin) 0.235
Vitamin C 12.0
Niacin 2.3
Capsules

Compounds Per cent

Moisture 20.0
Carbohydrates 42.1
Protein 10.2
Ether extract 2.2
Mineral matter (total ash) 5.4
Calcium 0.13
Phosphorus 0.16 .
Iron 5 mg/100g
Volatile oil 7.4
Crude fibre 20.1

Flavor profile
The volatile oil is commercially extracted from the seeds, which varies from 6.6-10.6%
in seeds of Mysore and Malabar types grown in India. However, the oil content is low in
the immature capsules in the order of 4-5%, while it was 0.2% in the husk. The aroma

39
differences in various sources of cardamom are attributed to the proportion of the
esters and 1,8 cineole. The unique aroma of cardamom is contributed by a combination
of two major compounds namely, α -terpinyl acetate and 1,8 - cineole. The Malabar and
Mysore types differ in the composition of their volatile oils. The oil of Malabar type is
more camphory in aroma owing to the higher content of 1,8-cineole, while Mysore type
or “Alleppy green” is more of -terpinyl acetate contributing to the mild spicy flavor.

 The major medicinal properties of cardamom essential oil are antiseptic,

carminative, digestive, diuretic, stimulant, stomachic, tonic and anti-spasmodic,
antimicrobial and anti-inflammatory activities.
 Cardamom has antimicrobial activity. Seeds have inhibitory effect against
microbes. The terpenoid constituents are responsible for the antifungal and
antibacterial effects.
 Cardamom seeds are widely used in Indian cooking for flavouring food and as
carminative. It is an essential ingredient in garam masala and also used as a
breath freshener.

5.2.2. Targetted market (s) : Domestic or International. In case of International market, the
applicant has to refer APEDA export requirements and should specify compliance
appropriately within the document. In case of domestic market specify the intended market
briefly while more details be provided in Marketing chapter.

5.2.3. Statistics: India and State.

1. India: Area, Production and Productivity in the area, State and India for the last 5-10
years

Year Area in Production (000 Productivity

(000ha) MT ) (Kg/Ha)

2012-13 92 18 196
2013-14 93 21 226
2014-15 100 24 240
2015-16 91 24 264
2016-17 96 24 242

2. State wise picture- Top 10 producing states

State Area in ha Production MT Productivity kg/ha

Kerala 39080 15650 400
Karnataka 25117 1449 58
Tamil Nadu 5160 891 173
All India 69357 17990 631

40
 3. Project State Picture (Mandatory)

4. Project State- district wise performance in the said crop producing districts in Last
Year (Mandatory)

Year Area Productio States’ Yield Gap in Productivity

(ha) n contributio kg/ha (kg/Ha)
MT n to Nation State National Av
Av.
Kerala (Small Cardamom)
2015-16 39680 21503 73.63 542 542 303
2016-17 39080 15650 64.42 400 400 246
2017-18 39080 18350 69.10 470 470 277
Average 39280 18501 69 471 471 275
Karnataka (Small Cardamom)
2015-16 25240 1437 4.92 57 57 303
2016-17 25117 1449 6.15 58 58 246
2017-18 25135 1450 5.46 58 58 277
Average 25164 1445 6 58 58 275
Tamil Nadu (Small Cardamom)
2015-16 5160 950 3.25 184 184 303
2016-17 5160 891 3.78 173 173 246
2017-18 5115 850 3.20 166 166 277
Average 5145 897 3 174 174 275
Sikkim (Large cardamom)
2015-16 23082 4465 15.29 193 193 303
2016-17 23312 4633 19.66 199 199 246
2017-18 23312 4860 18.30 208 208 277
Average 23235 4653 18 200 200 275
West Bengal (Large cardamom)
2015-16 3305 850 2.91 257 257 303
2016-17 3305 939 3.99 284 284 246
2017-18 3305 1045 3.94 316 316 277
Average 3305 945 4 286 286 275

5.Project crop in the state: Time trend of Area, Production and Productivity (Mandatory)

District Item Current Year CY-2 CY-3 CY-4

District.1 Area
Production
Productivity
District.2

6. Share of project Crop- in terms of Area and Production in overall fruits/vegetables.

41
 Crop Area Production
Ha (000) % Tonnes (000) %
Pepper 134 3.32 57 0.66
Cardamom 96 2.38 24 0.28
Total 4031 100 8610 100

7. Availability of Storage facilities in the project area / District / StateSource: (Desirable Data)

Year Commodity Low cost storage structures Cold storage CA Storage

No. Capacity Capacity No. Capacity Capacity No. Capacity Capacity
utilisation utilisation utilisation

Commodity / produce Storage Storage Gap Remarks

required in the available in the
area area

42
 6.2.4. Clusters/ Zones

5.2.4.1.Crop clusters in the State (Mandatory)

Cluster District No.of villages No.of farmers Total Area

1
2
3
4

5.2.4.2.Crop Agricultural Economic Zones in the State / UT, if any (Desirable)

Cluster District No.of villages No.of farmers Total Area

1
2
3
4

43
5.2.5. Demand for the commodity :( based on the available data- minimum for the project
area, district and the state)

Demand -Supply gap for the commodity

Unit Demand No.of growers Supply / Gap Remarks

production
Nos. Area
Project area
District
where
project is
located
State
Country
Globally

Note: Applicant may take the help of District Horticulture Officer.

5.2.5. A. Projections of production, productivity, targets for domestic and export market (Desirable)

Year Production Productivity Local Value Terminal Value Export Value

Market in Rs. market in Rs. Market in Rs.

44
5.2.6. Global producers- Country, Area, Production, Productivity and global market share

Guatemala is the largest producer of cardamom in the World. The average annual
production of Guatemala is given below.

Year Production (MT)

1991 13500
1995 15601
2000 10000
2004 23000
2010 22764
2016/17 30000-32000
(Source: Various publications of Banco De Guatemala and Spices Board, India)

In addition to Guatemala and India, Sri Lanka, Nepal, Papua New Guinea and Tanzania
are also significant growers of cardamom. Consumption of cardamom is increasing
throughout the world. The major consuming countries are Middle Eastern Countries,
India, Pakistan, European countries, US, and Japan.

5.2.7. International trade market and potential:

(collect from APEDA Agri-exchange website at http://agriexchange.apeda.gov.in/; including

product profile, statistics and market intelligence sites esp. International trade and Global
Analytical report in brief to the extent of relevance; may also refer DGCIS
sitehttp://www.dgciskol.gov.in/for more information)

45
 5.2.8. Seasonality matrix of the spices (Desirable Data):

Seasonality matrix of the crop with reference to cardamom

Spices Jan Feb Mar Apr May June July Aug Sept Oct Nov Dec
Kerala
Karnataka
Tamil Nadu
Lean Season
Peak Season

46
5.2.9 Price variation of Commodities at State / UT Capital or at a Major Fruit &
Vegetables Market

Local Market: 1 Unit=Rs. Per Qtl/MT/Kg

Year Jan Feb Mar Apr May June July Aug Sept Oct Nov Dec

5.2.10.Balance sheet of commodity in the State (Desirable Data/ Voluntary)

Year: Qty: 000Tons

Jan Feb Mar Apr May June July Aug Sept Oct Nov Dec
Stored/
Carry in
Fresh
Production/
Arrivals
Imports
Availability
In LT
Storage
Consumption
Exports
Post
Production
losses
Total Usage
Carry out

Source:
Note:

47
5.2.11.Whether transportation infrastructure is available.

1. Mode of transportation / arrangement:

2. Whether cold chain facility available locally if so details of service providers and
contact person name.

5.2.12. Value Addition scope/ potential

Cardamom products

Cardamom seeds: Cardamom seeds are obtained by decorticating the capsules.

Decortication is achieved by using a plate mill, which is also called as disc mill.

Cardamom powder: Cardamom in its powder form gives maximum flavour to the food
products. But the disadvantage with powder is that it loses aroma quality due to rapid loss
of volatile constituents.

Cardamom oil: Cardamom oil is obtained by distillation of powdered seeds of cardamom.

Steam distillation is the common method employed for the production of oil. Cardamom
capsules with good flavour, which do not fetch higher value because of defective
appearance, are suitable for distillation. The flavour of cardamom is mainly due to 1,8
cineole, terpinyl acetate, linalyl acetate and linalool.

5.2.13.Central and State Government policies to promote the commodity:

(towards its promotion, area expansion and organised marketing, processing and export).

5.2.14.Value chain in the commodity

5.2.15.Proposed Business Strategy by the Applicant for Marketing and Market viability

48
 5.3. Financial Viability of the Project:

5.3.1: Due Deligence Status

Date of Pre-Sanction / Due Deligience Remarks
1 Examination of CIBIL report Yes/No
2 Credit rating / scoring is done Yes/No
3 Whether name of promoters/company
appearing in the list of-
a) RBI defaulter list Yes/No
b) RBI willfull defaulter list Yes/No
c) ECGC SA list Yes/No

4 a)Verfication of CERSAI (Central Yes/No

Registry of Securitisation Asset Yes/No
Reconstruction and Security Interest)
b) In case of company whether
financial data verfied with ROC .

5.3.2.Project Cost (Rs in Lakhs) – (subitems are to be decided based on need)

Scheme Items Sub- items Capacity/ Units/ unit Cost

Component Area/ Numbers cost
spacing
Etc.
Open field Cultivation Planting material
Cultivation Expenses Input cost
(Labour, Manure
& Fertilisers,
pesticides etc.)
Others
Irrigation Tube well/ bore
well/ Open well
(Nos.)
Cost of Pipeline
(Length, Size &
Material)
Water harvesting
structure / Water
tank min. 300
microns
Non lined
ponds/tanks
Others
Drip / Sprinkler
Civil Functional pack
Infrastructure house
Store & Pump
house (Area in
sq.ft with size)
Labour room & go
49
 down (Area in
Sq.ft with size)
Others
Farm Tractor upto 20
Mechanisation BHP
(AC) Power Tiller HP
Equipments-
driven by Tractor/
Power Tiller
Mulch laying
machine
Self-propelled
hort. Machinery
Other tools and
equipment’s as per
Sub Mission on
Agriculture
Mechanisation
(SMAM)
Others
Land Soil levelling /
Development Digging/Fencing
etc.
Others if any
Land if newly purchased but not
before one year from date of
sanction of loan (indicate year)
Support system for Grapes
Vermi Compost Unit
Certification of Good Agri Practices
Good Agricultural Practices (GAP)
including infrastructure (AC)
Plastic Mulching
Others
Grand Total
Scheme Capacity/ Units/ Likely NHB
Area/ Number /Unit Norm
Spacing cost
etc.
Integrated 1. Integrated PHM
PHM 3.1.Pack House
3.2.Integrated Pack house
3.3.Pre-cooling unit
3.4.Cold Room (Staging)
3.5.Mobile Pre-cooling unit
3.6.Ripening Chamber
3.7 Primary Processing
3.8.Retail outlet
Others

50
Summary of Project Cost

Project Max.possible
Cost NHB support
(self-
appraisal)
3. Open field condition With add on components
Without add on
components
4. Integrated PHM
3.1.Integrated Pack House
3.2.Pack house
3.3.Pre-cooling unit
3.4. Cold Room (Staging)
3.5. Mobile Pre-cooling unit
3.6.Ripening Chamber
3.7 Primary Processing
3.8.Refer Van
3.9 Retail outlet
Grand Total

5.3.3 Means of Finance (Rs.in Lakhs)

S.No Item Components
1 Promoters share
2 Bank/FI Term loan
3 Un secured
loan/VCA
Total

5.3.3. A Information on subsidy available under different schemes:- (For information)

1. Subsidy from NHB
2. Subsidy from State *
3. Subsidy from Centre *
4. Subsidy from other *
sources
Total

51
5.3.4.Investiment in Horticulture Sector

5.3.5Key financials of the proposed / existing Project : (Rs. In Lakhs)

FINANCIAL Estimated projections

INDICATORS
Y1 Y2 Y3 Y4 Y5 Y6 Y7 Y8
Capital
Reserves
Intangibles
Tangible Net
Worth
Net Working
Capital
Current Ratio
Net Sales
Op. Profit
Net Profit Before
Tax
Net Profit After
Tax
TOL/ TNW
Debt-equity ratio
Depreciation
Dividend
Retained Profit

Justification for the above (wherever figures are on higher side)

NOTE:- In case of existing business / project, the promoter has to provide the audited data
for the last three years apart from estimated and projected data for covering the entire
repayment period.

52
5.3.6 Project Financing:

1) Rate of Interest :

2) Percentage of Term loan against total project cost

3) Internal Rate of Return (IRR):

4) Cost of Production and Profitability (Annexure)

5) Yield and Sales Chart (Annexure)

6) Proposed Balance Sheet: (Annexure)

7) Proposed Cash flow Statement for repayment period (Annexure)

8) Proposed Profit & Loss Account: (Annexure)

9) Proposed Repayment of Term loan and Schedule (Annexure)

10) Break even Analysis (Annexure)

11) NPV (Net Present Value)

12) Economic Rate of Return

13) Depreciation

53
5.3.13 Sensitivity analysis of the project.

Base Case 2018-19

(First Full
Year of
Operation)
Case I Decrease in capacity utilization by 10%.
Case II Decrease in Sales by 10%.
Case III Increase in Raw Material Cost by 10%
Base Case Case I Case II Case III
PBIDT
PBT
PAT
Min DSCR
Max DSCR
Overall
DSCR

54
5.3.14 Key Financial Parameters for the proposal:

Sl. Ratio Benchmark As calculated by Project Finance Expert

No.
1styr 2ndyr 3rdyr 4thyr 5thYr
1. Current Ratio 1.25:1
other than export
units
2. CR-Export units 1.10:1
3 IRR /BCR
4 DSCR* 1.50:1
5 Average DSCR
6 Debt to Equity 3:1
Ratio i.e DER
7 TOL/TNW 4:1
8 Promoters 25%
Contribution minimum
9 Break Even Point Lower the
% is better
10 Security More than
Coverage Ratio 100% of
Loan
Amount
11 Repayment Up to 7
period Years
excluding
moratorium,
but not to
exceed an
overall
tenor of 10
years

55
5.3.15 Statement of Assets & liability as on……...
1. Immovable Assets
(Rs. In lakh)
Sl.No Description Extent Location Face value Market value
1 Land
2 Building
3 Plant & machinery
4 Commercial plots

2. Movable Assets
Sl.No Description Modle Face value Market value
1 Car/Scooter/Truck/Bus/Mobile
phone

3. Bank/FI balances and cash

Sl.No. Name of the institutions Date of Face value Market

opening value/Present
value

4. Shares & debentures

Sl No Name of the Date of Face value Market value

Company/Institutions purchase

5. Investment in business & other associates concern

Sl No Name of the Date of Face value Market value
Company/Institutions Investment

Total assets……............
1. Liabilities

Sl.No. Nature of the loan Name of the Date of loan Face Market value/
institution value Present value

Total liabilities…….....................
Net of assets & liabilities…….....

Date: Signature of the Promoter/Guarantors/Directors /partner

56
Risk Analysis& Management

A. Promoters & Management Risks:

B. Project Completion and Operational Risk:
C. Other Risks:

Risk Management
Excess production / Glut situation in
Market
Crop failure Crop insurance
Price volatility-low prices
Pests and Diseases
Natural calamities- fire, cyclone, Floods
etc.

Farm record keeping/ Maintenance proposed

57
5.4: Land development and Crop husbandry
5.4.1.Land development: ( in case of waste/ barren land)

On slopes, prepare the land by contour terracing and in open areas like marshy valleys
and grasslands, raise shade trees before planting cardamom seedlings. Plant fast
growing shade trees like Dadap (Erythrina lithosperma), Albizia, Karuna (Vernonia
arborea), Corangati (Acrocarpus fraxinifolius), Chandana Viambu (Toona ciliata), Njaval
(Syzygium cumini), Jack tree (Atrocarpus heterophyllus) etc. to protect the seedlings
from direct sunlight. Clear the ground for planting in new areas and for replanting
areas, remove the old plants.

5.4.2. Selection of Quality Planting Material

Recommended and popular Cultivars- varieties/hybrids, their specific characteristics,
requirements and yields and list of reputed / accredited Nurseries
http://spices.res.in/current-extension-pamphlets
Variety Cultivar Important features Area of Average
type Adaptability yield
(kg/ha)
ICAR-Indian Institute of Spices Research, Regional Station, Appangala
Appangala 1 Malabar Suitable for intensive All cardamom 745
cultivation both under growing tracts of
monocrop and mixed Karnataka and
crop conditions. Early Wayanad of
maturing variety, highly Kerala
adaptive and produces
89% bold capsules.
(Potential yield
1322 kg dry
capsules/ha).
Appangala 2 Malabar High yielding and All cardamom 927
resistant to Cardamom growing tracts of
mosaic virus/Katte Karnataka and
Wayanad of
Kerala
IISR Avinash Malabar Rhizome rot resistant, Suited for 847
high yielder and suitable hotspots of
for planting in valleys. rhizome rot
Produces 51% bold, dark prone areas.
green capsules. (Potential
yield 1483 kg dry
capsules/ha).
IISR Vijetha Malabar Cardamom mosaic virus Suitable for 643
resistant (Katte) Kodagu, Hassan,
selection, recommended Chikmagalur and
for moderate to high North Wayanad.

58
 shaded mosaic disease Suitable for Katte
prone areas. (Potential prone areas.
yield 979 kg dry Adapted to
capsules per ha). moderate rainfall
and
moderate to high
shade areas
Indian Cardamom Research Institute (ICRI), Myladumpara-685 553, Dist. Idukki
ICRI 1 Malabar Early maturing, dark South zone of 656
green bold capsules Idukki, Kerala
ICRI 2 Mysore Tolerant to Azhukal Vandanmedu and 766
disease Nelliyampathy of
Kerala and
Anamalai,
Meghamalai
of Tamil Nadu
ICRI Regional Station (Spices Board), Donigal Post, Sakaleshapura
ICRI 3 Malabar Tolerant to rhizome rot Cardamom 599
growing tracts of
Karnataka
Indian Cardamom Research Institute (ICRI), Myladumpara-685 553, Dist. Idukki
ICRI 4 Malabar Suitable for low regions Adapted to lower 961
Palani hills
ICRI 5 Malabar Moderately tolerant to Kerala and parts 1900
rot, thrips, borer and of Tamil Nadu
drought
Cardamom Research Station (Kerala Agricultural University), Pampadumpara
PV 1 Malabar Early maturing variety All cardamom 500
with elongated capsules growing tracts of
Kerala and parts
of Tamil Nadu
PV 2 Vazhukka Green bold capsules Cardamom Hill 982
Reserves of
Idukki
Regional Horticultural Research and Extension Centre, University of Agricultural and
Horticultural Sciences, Mudigere-577132, Dist. Chikkamagaluru, Karnataka
Mudigere 1 Malabar Tolerant to shoot borer Traditional 275
and thrips cardamom
growing
Malanad areas of
Karnataka, under
rainfed
conditions
Mudigere 2 Malabar Suited for cultivation in Cardamom 475
valleys growing tracts of
Karnataka
Mudigere 3 Malabar Tolerant to thrips and Cardamom 400
borers growing tracts of
Karnataka
59
For Mysore and Vazhukka cultivars, plant to plant distance can be 3 m × 3 m (1111
plants/hectare) and 2.4 m × 2.4 m (1736 plants/hectare) respectively. A spacing of 1.8
m × 1.8 m or 2.0 m × 2.0 m is ideal for Malabar types in Karnataka (2500-3000
plants/ha).

Classification of cultivars based on crop

maturity
a. Early
b. Mid
c. Late
Classification of cultivars / Varieties/
Hybrids based on purpose
a. Resistant to cardamom Appangala-2, IISR Vijetha
mosaic virus
b. Resistant to Rhizome rot IISR Avinash, ICRI 3
disease
c. Azhukkal disease tolerant ICRI 2
d. Dark green bold capsules IISR Avinash, PV 2
e. Elongated capsules PV 1
f. High oil type ICRI 5
g. Drought tolerant ICRI 6

Method of Propagation / technology

Method recommended by ICAR / Vegetative propagation (by

CAU/SAU/SHU suckers)
Proposed method under the project
Do’s and Don’t’s proposed / taken in
propagation
Expert guiding the project

Requirements for healthy production of planting material

Clonal nursery

Establishment of clonal nursery is essential for large-scale multiplication of high

yielding varieties/selections. The planting unit consists of a grown-up tiller with a
portion of the rhizome and a developing shoot. Sucker multiplication can be taken up
from the first week of March to September. The site selected should be in open, well-
drained areas adjacent to a perennial water source. Trenches with a width and depth of
45 cm and convenient length are prepared and filled with humus rich top soil, sand and
well decomposed compost. The planting units are planted at a spacing of 1.8 m x 0.6 m
in the trenches. To protect the planting units from direct sunlight and desiccation,
overhead shade/pandal need to be provided. For better establishment of the suckers,
irrigation may be given once in a fortnight. Apply fertilizers @ 48:48:96 g NPK per
sucker in 2-3 splits starting from two months after planting. Neem cake @ 100-150

60
g/plant may also be applied along with the fertilizers. On an average, 15- 20 good
quality planting units could be produced from a mother clump within ten months of
planting.

List of NHB accredited Nurseries: availability of quality seeds / planting material.

Planting material-source, quality and suitability

1. Proposed cultivar / variety/Hybrid

2. Criterion / Rationale for Selection
3. Nursery / Shop from where seeds/ Name of Nursery/ Shop:
planting material is procured/ purchased
Proprietor Name
Contact Number:
4. Warranty provided if any
5. Whether variety/ hybrid/ cultivar
registered under Section 39 (2) of The
Protection of Plant Variety and Farmers
Right Act, 2001 (PPVFR Act)
6. Authority which provides compensation Registrar General, PPV & FRA is the
to the farmers in case a registered designated officer for redressal of Public
variety does not perform as per the Grievances and can be addressed to:
claim made by the breeders. Registrar General Protection of Plant
Varieties and Farmers’ Right Authority S-2,
A Block, NASC Complex, Opp. Todapur
Village New Delhi -110012
7. Applicability of Seed Act and any State
Act on nursery/ planting material
8. Authority which provides compensation
to the farmers in case a registered
variety does not perform as per the
claim made by the breeders under Seed
Act / State Nursery Act if any
9. Parentage if known
10. Original manufacturer / Source of
planting material
11. Name of Tests with date and lab-
conducted to assure pest and disease free
ness of seeds/ propagation by the
nursery
12. Whether the planting material is
imported. If Yes, whether plant
quarantine and disease free certification
was done

61
5.4.3. Orchard planning Lay out and management / Planting

5.4.3.1. Cardamom establishment and layout systems

As recommended by For planting, pits of required size are prepared before

ICAR Institute/ commencement of the monsoon season (April-May). For
CAU/SAU/SHU/ planting Malabar types, pits of size 45 cm x 45 cm x 45 cm
Others are prepared and for Mysore and Vazhukka types, 90 cm ×
90 cm × 45 cm or 90 cm × 90 × 90 cm are recommended.

(Cardamom - Extension Pamphlet by ICAR-IISR, Kozhikode;

2015 )
http://spices.res.in/current-extension-pamphlets
Action taken / proposed
by the applicant
Points of Deviation if
any and justification

5.4.3.2.Land preparation

As recommended by On slopes, prepare the land by contour terracing and in open

ICAR Institute/ areas like marshy valleys and grasslands, raise shade trees
CAU/SAU/SHU/ before planting cardamom seedlings. Plant fast growing shade
Others trees like Dadap (Erythrina lithosperma), Albizia, Karuna
(Vernonia arborea), Corangati (Acrocarpus fraxinifolius),
Chandana Viambu (Toona ciliata), Njaval (Syzygium cumini),
Jack tree (Atrocarpus heterophyllus) etc. to protect the
seedlings from direct sunlight. Clear the ground for planting in
new areas and for replanting areas, remove the old plants.
(Cardamom - Extension Pamphlet by ICAR-IISR, Kozhikode;
2015 )
http://spices.res.in/current-extension-pamphlets
Action taken /
proposed by the
applicant
Points of Deviation if
any and justification

5.4.3.3.Planting Season / time and density

Recommended @ Proposed Remarks in case of

deviation
Planting Season / Planting is normally
Time done during June-
July with the

62
 commencement of
monsoon. Ideal time
for planting in the
low-lying areas
would be after the
cessation of heavy
monsoon showers.
Spacing For Mysore and
Vazhukka cultivars,
plant to plant
distance can be 3 m
× 3 m and 2.4 m ×
2.4 m respectively.
Spacing of 1.8 m ×
1.8 m or 2.0 m × 2.0
m is ideal for
Malabar types in
Karnataka.
Seed/ seedling rate/  1111
Density per Acre plants/hectare
with 3 m × 3 m
 1736
plants/hectare
with 2.4 m × 2.4
m
 3086
plants/hectare
with 1.8 m × 1.8
m
 2500 plants with
2.0 m × 2.0 m
Seed / Planting
Material treatment
Depth of sowing For planting
Malabar types, pits
of size 45 cm x 45
cm x 45 cm are
prepared and for
Mysore and
Vazhukka types, 90
cm × 90 cm × 45 cm
or 90 cm × 90 × 90
cm are
recommended.
Seedling/ Suckers – 10 to 12
Transplanting age months old
Seedlings - In
Karnataka, 10
month old seedlings

63
 are preferred for
planting in the main
field, while in Kerala
and Tamil Nadu 18
month old
seedlings.
@: Cardamom - Extension Pamphlet by ICAR-IISR, Kozhikode; 2015;
http://spices.res.in/current-extension-pamphlets

64
5.4.3.4.Water and Nutrient Management

1.Water requirements, Source and irrigation methods&

a. Water source, demand and availability

Water Source Water Quality Water Last Year Current Year

Availability consumption demand

b. Critical stages for Irrigation and Water required under Drip Irrigation: It is essential to
irrigate the crop during January to May. Plants may be irrigated at an interval of 10-15
days till the onset of monsoon, by adopting a convenient method of irrigation either by
hose/sprinkler/mini-sprinkler/drip. In case of drip irrigation, it needs to be
supplemented with sprinkler irrigation once in a month.

c. Method of Irrigation: Irrigation methods commonly adopted in coconut gardens are

using hose/sprinkler/mini-sprinkler/drip. In case of drip irrigation, it needs to be
supplemented with sprinkler irrigation once in a month.
d. Soil water conservation practices: Proper soil and moisture conservation practices are
essential for ensuring sustainable production.

a) Cradle pits
On gentle sloppy areas, opening of rectangular silt pits (1.0 m × 0.5 m × 0.6 m) between
four plants will help in soil and water conservation. If the slope is steep, construct stone
pitching walls at 10 to 20 m interval across the slope and erecting water collecting
trenches along drainage channels would strengthen soil and water conservation
measures.

b) Mulching
To conserve soil moisture entire plantation and particularly the plant bases should be
mulched at 5-10 cm thickness using fallen leaves of the shade trees, except during
periods of heavy monsoon (June-September).

2. Nutrient management—Manure, Bio-/ Chemical fertilizers including micro nutrients:/

Fertigation. Dosage and method and time of application for efficacy, food safety and
environment sustainability.

Apply one-third of the recommended dose of fertilizers during the first year of planting
both under rainfed and irrigated conditions

65
Fertilizer recommendation for cardamom

Soil application Soil cum foliar Time of application

(NPK kg/ha) application Soil Foliar
75:75:150 NPK 37.5:37.5:75 May/June/ September/
(rainfed - two kg/ha and Urea September/ November/ January
splits) (2.5%). Single super October/
125:125:250 phosphate (0.75%) December/ January
(irrigated- three Muriate of potash
splits) (1.0%)

During the second year, increase the dose to one-half and apply full dose of fertilizers
from third year onwards. Before applying fertilizer, the plant basin is demulched and
the panicles are coiled. Fertilizer is applied in a circular band of width 15 cm, leaving 30
cm from the plant basin and thoroughly mixed with top 5-7 cm of surface soil. After
fertilizer application, the basin is mulched. For yielding plants, soil-cum-foliar
application will be an effective method of fertilizer application. Spray the solution
containing fertilizers to the foliage covering both sides of the leaves.

Apply agricultural lime @ 1 kg/plant/year for soils with pH below 5.0 in one or two
splits during May and September. Fertilizers shall be applied only after 15-20 days of
lime application.

Organic manures like cowdung/compost @ 5 kg/plant may be applied during May/June

along with rock phosphate and muriate of potash. Under irrigated condition, manuring
can be done in two splits (May and September). Application of neem cake, bone meal or
vermicompost @ 1 kg/plant improves root proliferation and plant growth.

Foliar spray of zinc (Zinc sulphate @ 250 g/100 litres of water) during April/May and
September/October enhance growth, yield and quality of the produce. Zinc should be
applied alone and not to be mixed with any insecticide/fungicide. Soil application of
boron in two splits along with NPK fertilizers (Borax @ 7.5 kg/ha) is also
recommended. Foliar application of micronutrient mixture developed by ICAR-IISR
specific to cardamom is also recommended (dosage @ 5 g/L) twice, in May – June and
September-October, for higher yield.

Soil Health Analysis:

Dated Institute

Soil Health Values Recommended range Remarks

Parameters

66
As recommended by
ICAR Institute/ (Mention source of publication with date/Year)
CAU/SAU/SHU/
Others
Action taken /
proposed by the
applicant
Points of Deviation if
any and justification

Availability of Water and Nutrient management plan: Yes/ No

67
5.4.3.5.Intercultural operations including Weed management

As Cardamom being a surface feeder, in the first year of planting,

recommended by weeding at frequent intervals is necessary. Later, depending on the
ICAR Institute/ intensity of weed growth, 2-3 rounds of hand weeding at the plant
CAU/SAU/SHU/ base during May, September and December/January and slash
Others weeding in the interspaces are recommended. Mechanical weed
cutters can be used for weeding.
(Cardamom - Extension Pamphlet by ICAR-IISR, Kozhikode; 2015)
http://spices.res.in/current-extension-pamphlets
Action taken /
proposed by the
applicant
Points of
Deviation if any
and justification

5.4.3.6.Plant canopy architecture management/ training and pruning

As recommended by Trashing consists of removing old and drying shoots of plant

ICAR Institute/ once in a year with onset of monsoon under rainfed situations
CAU/SAU/SHU/ Others and 2-3 times in high density plantation provided with
irrigation facilities. Trashing in September onwards may be
avoided due to summer. Dried leaves and shoot during this
period protect plant from light injury to panicles, flowers and
young shoots.
(Cardamom - Extension Pamphlet by ICAR-IISR, Kozhikode;
2015)
http://spices.res.in/current-extension-pamphlets
Action taken / proposed
by the applicant
Points of Deviation if
any and justification

68
5.4.3.7.Use of Pollinators & Pollinizers

Impact of pollinators in enhancing pollination and increasing yield and to provide

supplementary income to farmers.

Item Recommended Proposed Remarks

No.of Hives 4 colonies/hectare
Name of Pollinisers Apis cerana
indica
No.of Pollinisers

69
5.4.3.10. Integrated Pest and Diseases Management including Biological control and Food
Safety

Disease Causal Organism Control measures

Nursery diseases
Nursery leaf spot Phyllosticta elettariae  Sow the seeds in August-
September, to ensure sufficient
growth of seedlings, so that they
develop tolerance to the disease.
 Avoid exposure to direct sunlight
from top or sides.
 The practice of raising nurseries
continuously on the same site
may be avoided.
 Prophylactic spraying with
fungicides such as mancozeb
(0.2%) may be given. First spray
is to be given during March-April,
depending on the receipt of
summer showers and subsequent
sprays may be undertaken at
fortnightly intervals. Depending
on the severity of the disease,
two to three rounds of spraying
may be given.
 Spraying mancozeb (0.2%)
effectively controls leaf spot
disease in secondary nurseries
also.
Nursery leaf rot Fusarium and Alternaria  Avoid excessive watering to the
seedlings and spraying
carbendazim (0.2%) twice at 15
days interval after removal of the
infected leaf portions manages
the disease effectively.
Damping off or Pythium vexans and  In primary nurseries, thin sowing
seedling rot Rhizoctonia solani may be practiced to avoid
overcrowding of seedlings.
 Adequate drainage facilities may
be provided to prevent water
stagnation. Maintain proper
phytosanitary measures in the
nurseries by removing infected
and dead seedlings.
 When the initial symptoms are
noticed, drench nursery beds
with 0.2% copper oxychloride @
3-5 liters/m2. Two to three
rounds of drenching may be
70
 adopted at an interval of 15 days.
 Pre-treatment of seeds with
Trichoderma or Pseudomonas
before sowing reduces the
chance of early incidence of the
disease in nurseries. Further,
application of Trichoderma to the
nursery bed @ 100 g/m2 (talc
formulation with 106 cfu/g)
reduces subsequent disease
spread.
Diseases in plantation
Azhukal or Phytophthora nicotianae  Trashing and cleaning of the
capsule rot var. nicotianae and P. plant basin are to be carried out
meadii during May, before the onset of
monsoon.
 Thick shade may be regulated by
gentle lopping of tree branches.
 Provide drainage in low lying and
marshy areas.
 Destroy disease affected portions
and plant debris.
 Prophylactic sprays with
Bordeaux mixture (1%) should
be given during May-June and
subsequent sprays may be
repeated during July-August. If
the monsoon prolongs, a third
spray may be given in
September.
 Alternatively, fungicides like
fosetyl-aluminium (0.2%) or
potassium phosphonate (0.3%)
can be sprayed @ 500-750
ml/plant.
 Drenching plant basin with
copper oxychloride (0.2%) also
reduces the soil inoculum and
further spread of the disease.
 Trichoderma viride or T.
harzianum mass multiplied on
suitable carrier media may be
applied to plant basins @ 1 kg
during May and September-
October. If the soil is drenched
with copper oxychloride or other
fungicides, Trichoderma should
be applied only after 15 days.

71
Rhizome rot Pythium vexans,  Trash and clean the plant base
Rhizoctonia solani and during March-April before the
Fusarium spp onset of monsoon.
 Regulate shade in the plantation
with the onset of pre-monsoon
showers.
 Prevent water logging by
providing adequate drainage in
the plantation.
 Uproot and destroy severely
affected clumps from the
plantation.
 Drench the plant basins with
copper oxychloride 0.25% and
spray the plants with Bordeaux
mixture 1% with the onset of
pre-monsoon showers during
May-June; repeat drenching and
spraying during August-
September and also during
October if the monsoon is
prolonged.
 Alternatively, drench and spray
potassium phosphonate 0.3% or
metalaxyl-mancozeb 0.125%
with the onset of pre-monsoon
showers during May-June; repeat
drenching and spraying during
August-September and also
during October if the monsoon is
prolonged.
 Trichoderma harzianum mass
multiplied on suitable carrier
media may be applied to plant
basins @ 1 kg during May and
September-October. If the soil is
drenched with copper
oxychloride or other fungicides,
Trichoderma should be applied
only after 15 days.
 Cultivate rhizome rot resistant
variety IISR Avinash in disease
prone areas.
Leaf Blight Colletotrichum  Destroy leaf blight affected
gloeosporioides portions and plant debris during
May, before the onset of
monsoon.
 Maintain optimum shade levels
of 40-60% filtered light.
72
 Undertake shade management
before the onset of South-West
monsoon season. As prophylactic
measure, spray Bordeaux
mixture (1%) @ 0.5-1 litre/plant
during May-June before the onset
of monsoon season and repeat
sprays in August-September.
 Once the disease appears, spray
combination product of
carbendazim and mancozeb
(0.1%) or carbendazim (0.2%) @
500-750 mL/plant during
August-September and repeat
the sprays at 30 days interval for
2-3 times depending on the
severity and extent of disease
spread.
Mosaic or Katte Cardamom mosaic virus  Prompt inspection of plantation,
disease (CdMV) detection and rouging of virus
Transmitted through seed, sources reduces re-infection
soil, root to root contact from the diseased source.
and through manual  Production and use of virus-free
operations. The virus is planting materials prevents
disseminated by the aphid introduction of disease into
vector (Pentalonia caladii) disease-free locations.
and also through infected  Seedling and clonal nurseries
rhizomes. have to be raised in isolated sites.
Cardamom vein  Clones from apparently healthy
clearing disease high yielding plants may be used
or Kokke Kandu for gap filling and for establishing
Cardamom new plantations.
necrosis disease  Collection and using clones from
Chlorotic streak Banana bract mosaic virus severely infected gardens may be
disease (BBrMV) avoided.
 Removal of infected volunteers in
the replanted area and totally
avoid the presence of volunteers
from nursery area.
 Periodical removal of older parts
is effective in reducing the aphid
population and the spread of
viral diseases.
 Plant resistant variety, IISR
Vijetha in Katte prone areas.
 Removal of natural hosts like
Colocasia and Caladium destroys
the breeding sites and check
population build up of the vector.
73
  Neem based products at 0.1%
concentration significantly
reduces settlement of aphids on
the cardamom leaves and are
also lethal to the aphids at higher
concentrations.

Pests of cardamom

Pest Causal Organism Control measures

Cardamom thrips Sciothrips cardamomi  Regulate shade in the plantation
by pruning branches of shade
trees.
 Trash cardamom plants thrice a
year i.e., during early monsoon,
mid-monsoon and late monsoon
periods to remove breeding sites
of the pests.
 Spray insecticides like
quinalphos (0.025%), during
March, April, May, August and
September.
 Under Karnataka conditions,
spraying of Fipronil (0.005%) or
spinosad (0.0135%) during
February-March, March-April,
April-May, September and
October is also effective. Avoid
spraying operations during peak
periods of honey bee activity.
Shoot and capsule Conogethes punctiferalis  Remove infested suckers as
borer indicated by extrusion of frass,
during September-October when
the infestation is less than 10%.
 Collect and destroy adults which
are generally observed on the
undersurface of leaves.
 Spray quinalphos (0.075%)
twice, during February-March
and September-October
coinciding with emergence of
panicles and new shoots.
Root grub Basilepta fulvicorne  Collect and destroy adult beetles
during peak periods of
emergence i.e. April-May and
September-October.
 Apply phorate 10 G (banned in
Kerala) @ 20–40 g per clump or

74
 chlorpyriphos (0.075%) twice a
year during May-June and
August-September synchronizing
with emergence of adults and egg
laying periods of the pest.
 Light raking of soil before the
insecticide application is
essential for effective control of
root grubs.
Capsule borers Jamides sp.  Regulate shade in thickly shaded
areas.
 Spray insecticides like
quinalphos (0.025%) during
March, April, May, August and
September.
Root and rhizome Hilarographa caminodes  Destruction of infected rhizomes
borers with immature stages of the pest
and basal application of
insecticides like phorate (banned
in Kerala) or chlorpyriphos will
control the pest.
Shoot fly Formosina flavipes  Remove the affected shoots at
ground level and destroy them.
 Spray quinalphos (0.05%).
Nematodes Meloidogyne incognita Nursery
and M. javanica  Disinfest the nursery beds under
polythene cover using biocide
methyl bromide (to be used only
by pest control operators under
the supervision of Govt. experts
or experts approved by the Plant
Protection Advisor to Govt. of
India) for 3-7 days or by
application of any granular
insecticides (Carbofuran
/Phorate (banned in Kerala). As
an alternative to Carbofuran and
Phorate, carbosulfan may be
used (2 mL/litre).
Plantation
 Ensure planting of nematode free
seedlings.
 Provide mulching, particularly in
the exposed areas.
 Regular application of organic
manures such as neem cake
twice a year @ 250-1000 g
depending on the clump size

75
 reduces nematode infestation.
 Spot application of granular
insecticides like
(carbofuran/phorate @ 15-50 g)
(banned in Kerala) depending on
the size of the plant twice a year
in May/June and September.
 Application of nematicides
during pre-monsoon period
followed by neem cake
application in mid-monsoon
period is the safest approach to
reduce residue problem in the
capsules.

5.4.5.Farm Structures and Farm Mechanisation

5.4.5.2. Farm Mechanisation

Available Machinery and equipment’s / implements

Operations Available Machinery Proposed use Justification

and equipment’s /
implements
Weeding Brush cutter Weeding in the Less labour
field requirement and
faster completion of
weeding
Spraying Power sprayer and Spraying of For spraying
Knapsack sprayer pesticides,
insecticides
and foliar
fertilizers
Drying of Cardamom dryer For drying of As the harvesting
cardamom harvested will in rainy season
produce dryer helps in
easing the drying
process and also
retaining green
colour of capsules.
Grading Grader Grading of Helps in sorting
dried capsules good size capsules
based on size

76
 5.4.6. Harvesting and Fruit / Flower care management
5.4.6.1. Harvesting season- Across India

State/UT Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Kerala √ √ √ √ √ √ √ √ √
Tamil Nadu √ √ √ √ √ √ √ √ √
Karnataka √ √ √ √ √

5.4.6.2. Harvesting season- Across the project state /UT

District/ Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Production
area
Kerala √ √ √ √ √ √ √ √ √
Tamil Nadu √ √ √ √ √ √ √ √ √
Karnataka √ √ √ √ √

5.4.6.3. Harvesting stage based on purpose and market (local/distant market):

5.4.6.4. Harvesting technology and Fruit care management

Global best practices (Mention source of publication with date/Year)

As recommended by Pre-harvest Management
ICAR Institute/ Maturity Index / determination The capsules are harvested
CAU/SAU/SHU when they attain physiological
maturity, which is indicated by
dark green colour of rind and
black coloured seeds.
Technique Manual
Devices -
Skills and training -
Time/ Period Cardamom plants start
bearing two or three years
after planting suckers or
seedlings, respectively. The
capsules ripen within a period
of 120-135 days after its
formation. Harvesting period
commences from June-July and
continues till January-
February in Kerala and Tamil
Nadu. While in Karnataka,
harvesting begins in August
and prolongs till December-
January. Usually harvesting is
done at an interval of 15 -30
days.

77
 Handling
Containers
Others Avoid harvesting of ripened
capsules as it leads to the loss
of green colour and also
causes splitting of capsules
during curing process.
Immature capsules on
processing yields uneven
sized, shriveled and
undesirably coloured produce.

Relevant Photographs
if any
Action taken /
proposed by the
applicant
Points of Deviation if
any and justification

5.5. Post-Harvest Management

5.5.1. Post-Harvest infrastructure scenario in horticulture sector in the State and specially for
the proposed crop / component

78
5.5.2. Product / Process Flow chart- Illustrative ( It should be crop and project specific)

Harvesting

Cleaning-
Washing

Drying

Sun drying Flue curing

Polishing

Grading

Storage

5.5.3. Lay out/Floor plan of post harvest operations

1. Arrival Area
2. Sorting
3. De-sapping/De-latexing
4. De-handing
5. Cleaning / Washing
6. Grading
7. Pre-treatments (HW, waxing, chemical treatment, etc.)
8. Packing
9. Pre-cooling
10. Palletization
11. Cold Storage
12. Ripening/ De-greening
13. Transport

79
5.5.4. Post-harvest operations

1. Arrival Area

Activity Recommended Proposed practice Remarks

1 Freshly harvested
capsules are
washed in water to
remove adhering
soil particles and
other dirt to get
good quality
commodity.
Storage of capsules
after harvest for
longer duration
adversely affects
quality of the end
product.

2. Pre-Cooling ( Also specify protocols to be followed)

Activity Recommended Proposed practice Remarks

3. Curing / De-sapping/ De-latexing/ Any other intervention and protocols.

Activity Recommended Proposed practice Remarks

2 Curing of cardamom is the process by
which moisture of freshly harvested
capsules is reduced from 80 to 10-12 per
cent through indirect heating. Maturity of
capsules and curing temperature
influences the colour and quality of
processed cardamom. During curing, if
temperature exceeds the threshold levels,
capsules develop brownish streaks due to
heat injury. An increase in drying
temperature also results in loss of oil
from the seeds. Maintain a temperature
range of 40-45oC during all the stages of
drying which helps in good retention of
green colour. Gradual increase of drying
temperature to 5O-60oC in the last two
hours of curing enables easy removal of
floral remnants during polishing.

80
4. Cleaning / Washing– manual/mechanised; model/make, size, capacity and protocols.

Activity Recommended Proposed Remarks

practice
Dried capsules are polished either
manually or with the help of machines.
Polishing is carried out by rubbing the
dried capsules in hot state against a
hard surface. The polished produce is
subsequently graded based on the
quality parameters such as colour,
weight per volume, size and
percentage of empties, malformed,
shrivelled and immature capsules.

5. Sorting and grading including manual/mechanised; model/make, capacity and

protocols.

Activity Recommended Proposed Remarks

practice
After grading cardamom capsules are
stored. The capsules that are dried and
maintained at or below 10 percent
moisture content retains original
parrot green colour and prevents
mould growth. Use of 300 gauge black
polythene lined gunny bags improves
efficiency of storage. It is advisable to
store the dried cardamom in wooden
boxes at room temperature, preferably
in the curing houses.

6. Pre-treatments (HW, waxing, chemical treatment, etc.) and protocols.

Activity Recommended Proposed practice Remarks

81
5.6 Marketing

5.6.1. Connectivity of project site and produce

Road connectivity

Rail connectivity

Air connectivity

5.6.2. Nearest produce Assembling / Aggregation unit/ place if any

5.6.3. Existing Market Institutions – Agri.Produce Market Committees, …………………….

a) Near to Project site

b) Within the District / Neighbourhood districts

c) Within the State

d) In Adjacent State

5.6.4. Alternative Marketing strategies;

a. Pre-harvest contract

b. On Farm Marketing

c. Retail Marketing

d. Wholesale marketing

e. Online Marketing

f. Exports

5.6.5. Traceability Record/ system proposed if any for packs.

82
5.6.6. Proposed value chain / method of Marketing by the Applicant

83
5.7 Value Addition/ Processing

Potential for the processing of crop produce / commodity and facilities / infrastructure
available

Processing product (s) Infrastructure / Capacity % Remarks

Processing units capacity
available utilisation

84
6 Technology providers

6.1. Research Institute (s) [ ICAR/CAU/SAU/SHU etc.] providing / from which technical
details are ascertained

85
6.2. Experts-whose services are availed -Crop expert / Subject Matter Specialist (SMS)
and other experts consulted DPR preparation.

Crop Expert Name of Horticulturist/ Crop Expert

(Mandatory) Current profession:

Educational Qualification and

University passed out

Registration Number if any

Permanent Address:

Contact Number:

Hi Tech Expert Name of Expert

(Desirable) Current profession:

Educational Qualification and

University passed out

Registration Number if any

Permanent Address:

Contact Number:

Post-Harvest Name of PHM Expert

Management
Expert

(Desirable) Current profession:

Educational Qualification and

University passed out

Registration Number if any

Permanent Address:

Contact Number:

Cold storage / Infra Name of Expert

Expert / Charter
Engineer

(Desirable) Current profession:

86
 Educational Qualification and
University passed out

Registration Number if any

Permanent Address:

Contact Number:

Market Expert Name of Expert

(Desirable) Current profession:

Educational Qualification and

University passed out

Registration Number if any

Permanent Address:

Contact Number:

Project Finance Name of Expert

(Mandatory) Current profession:

Educational Qualification and

University passed out

Registration Number if any

Permanent Address:

Contact Number:

6.3.Agri-Business Incubators

1. List of Incubators nearest to the project.

2. If any assistance is taken from the incubators, details

87
7 Food Safety – With / Without Good Agricultural Practices Certification

7.1. GAP Optional

Whether the applicant proposes to undertake Good Agricultural Yes/No

Practices?

If Yes. What brand / kind GAP – Provide details of brand

Provide Certifying Agency details and contact person

NABL lab whose services are proposed to be availed to assure

compliance with regard to pesticide / chemical residue.

7.2. FOOD SAFETY MEASURES

7.2.1. Pre-Planting Measures

Activity Action taken /Proposed

to be in the project

1. Site selection
Land or site for coconut cultivation should be selected
on the basis of land history, previous manure
applications and crop rotation.

2. Manure handling and field application

Livestock manure can be a valuable source of nutrients,
but it also can be a source of human pathogens if not
managed correctly.

a) Proper and thorough composting of manure,

incorporating it into soil prior to planting, and avoiding
top-dressing of plants are important steps toward
reducing the risk of microbial contamination.

3. Manure storage and sourcing

a) Manure should be stored as far away as practical from

areas where fresh produce is grown and handled.

b) Physical barriers or wind barriers should be erected to

prevent runoff and wind drift of manure.

c) Manure should be actively compost so that high

88
 temperature achieved by well-managed, aerobic
compost can kill most harmful pathogens.

4. Timely application of manure

Manure should be applied at the end of the season to all
planned vegetable ground or fruit acreage, preferably
when soils are warm, non-saturated, and cover-cropped.
If manure is being applied at the start of a season, then
the manure should be spread two weeks before planting,
preferably to grain or forage crops.

5. Selection of appropriate crop

Farmers should avoid growing root and leafy crops in
the year that manure is applied to a Field. Manure
should be applied to perennial crops in the planting year
only. The long period between application and harvest
will reduce the risks.

7.2.2.Production Measures

1. Irrigation water quality

Ideally, water used for irrigation or chemical spray
should be free from pathogen. However, potable water
or municipal water is not feasible for extensive use for
crop production.

a) Hence, surface water used for irrigation should be

quarterly tested in laboratory for pathogen.

b) Farmers can filter or use the settling ponds to

improve water quality.

c) Fruit and vegetable crops should not be side

dressed with fresh or slurry manure. If side
dressing is required, well composted or well-aged
(greater than one year) manure should be used for
the application.

2. Irrigation methods

a) Drip irrigation method should be used, whenever

possible to reduce the risk of crop contamination
because the edible parts of most crops are not
wetted directly.

89
 b) Plant disease levels also may be reduced and
water use efficiency is maximized with this
method.

3. Field sanitation and animal exclusion

a) Farmers should stay out of wet fields to reduce

the spread of plant or human pathogens.

b) Tractors, plant, machinery and equipments that

were used in manure handling should be cleaned
prior to entering produce fields.

c) Animals, including poultry or pets should not be

allowed to roam in crop areas, especially close to
harvest time.

4. Worker facilities and hygiene

a) Farmers should get proper training to make them

understand the relationship between food safety and
personal hygiene. These facilities should be
monitored and enforced.

b) Ideally, farm workers should be provided clean, well-

maintained and hygienic toilet facilities around the
farming areas separately for the male and female.

7.2.3. Harvest

1. Clean harvest aids

a) Bins and all crop containers have to washed

and rinsed under high pressure. All crop
containers should be sanitized before harvest.

b) Bins should be properly covered, when not in

used to avoid contamination by birds and
animals.

2. Worker hygiene and training

a) Good personal hygiene is particularly

important during the harvest of crops. Sick
employees or those with contaminated hands
can spread pathogens to produce.

b) Employee awareness, meaningful training and

90
 accessible restroom facilities with hand wash
stations encourage good hygiene.

7.2.4. Post-Harvest Handling

1. Worker hygiene

a) Hands can contaminate fresh fruits and

vegetables with harmful microbes

b) Packing area should be cleaned and sanitized.

c) Supply liquid soap in dispensers, potable

water, and single-use paper towels for hand
washing.

d) Packing area should be cleaned and sanitized.

Supply liquid soap in dispensers, potable
water, and single-use paper towels for hand
washing.

e) Workers should be properly educated about

the importance of restroom use and proper
hand washing.

f) Encourage proper use of disposable gloves on

packing lines.

g) Sick employee should not be given food-

contact jobs.

2. Monitor wash water quality

a. Potable water should be preferably used in all

washing operations.

b. Clean water should be maintained in dump

tank by sanitizing and changing water
regularly.

c. Use chlorinated water and other labeled

disinfectants to wash fresh produce.

3. Sanitize packinghouse and packing operations

a. Loading, staging, and all food contact surfaces

should be cleaned and sanitized at the end of
each day.

91
 b. Exclude all animals, especially rodents and
birds from the packinghouse.

c. Wash, rinse and sanitize the packing line belts,

conveyors, and food contact surfaces at the
end of each day to avoid buildup of harmful
microorganisms.

d. Packaging material should be stored in a clean

area

4. Pre-cooling and cold storage

a. After harvesting, fruits and vegetables should

be quickly cooled to minimize the growth of
pathogens and maintain good quality.

b. Water bath temperature for cooling should not

be more than 10F cooler than the produce pulp
temperature.

c. Refrigeration room should not be overloaded

beyond cooling capacity.

5. Transportation of produce from farm to market

a) Proper cleanliness of the transportation

vehicles should be ensured before loading.

b) Farmers have to make sure that fresh fruits

and vegetables are not shipped in trucks which
have carried live animals or harmful
substances.

c) If these trucks must be used, they should be

washed, rinsed, and sanitized them before
transporting fresh produce.

d) For traceability norms, it must be ensured that

each package leaving the farm can be traced to
field of origin and date of packing

Source: TNAU
http://agritech.tnau.ac.in/gap_gmp_glp/gap_fresh%20_%20fruits%20&%20veg.html

92
8.Innovation if any

93
9.Profitability of the project (Horti-business): Critical observations of Applicant

94
10 Checklist

Check list for Detail Project Report (DPR)

Mandatory Document / Tick

Information Evidence * Mark
Project at a Glance √
1 About the Applicant /Promoter √
2 Details of benefits availedby the Applicant √
/ Promoter
3 About Project -Name, rationale,
Management and Description
1. Name of Project, Activity, Objectives √
and expected Outcomes
2. Rationale / Justification for the project √
3. Site/ Land details- RoR/ Ownership / √ Certified Land
Registration of lease/ map etc. revenue
documents
4. Location of the Project- Identification √
5. Current usage of land of proposed √
Project Area
6. Current infrastructure and assets √
possessed by the Applicant:
7. Lay out plan of the project √ Lay out Plan
8. Conversion of Land Use (CLU) √ Certificate
from
competent
authority
9. Whether project site is part of √
production belt / cluster / hub
10. Rationale for the location of the √
project
11. Compliance of project site for food √
safety
12. Components / Activities of the √
Project with justification
13. Operations planning √
14. Month wise operational chart / √
Implementation schedule
15. Backward and Forward linkages. √
16. Manpower (Skilled & Unskilled √
labour etc.) availability
17. Infrastructure (Power, Fuel, Water, √
Plant and Machinery, connectivity,
Effluents treatment etc.)- Required,
Already available, Gaps and the
management.

95
 18. Employment generation √
19. SWOT Analysis √
20. Monitoring and evaluation √ Certificate
4 NHB Scheme under which the project is
proposed with rationale / justification.
5 Project details
5.1 Agro-climatic suitability / feasibility
1. Origin
2. and distribution of crop in the said
location and India and in the world
(briefly)
3. Agro-climatic / Horticultural zones √ IMD Data
and suitability of the crop (s)
4. Soil type and latest health-suitability √ Latest Soil
for the crop health card
(not more than
1 month old)
5. Water (irrigation) source, availability, √ Latest Water
Quality and suitability Analysis report
(not more than
1 month old)
5.2 Market viability
1. Commercial and Nutritive importance
/ significance, composition and Uses
2. Target Market √
3. Area, Production and Productivity in
the District, State and India for the last
5 years
4. Clusters of the project crop in the √
state.
5. Demand and Supply Gap √ State
Horticulture
Dept.
6. Global producers- Country, Area,
Production, Productivity and global
market share in the last available 5
years.
7. International trade and potential (for √ @
export oriented projects)
8. Seasonality of fruit and its comparison √
with other available fruits
9. Price variation of commodity in the √ State Govt.
State and nearby markets
10. Balance sheet of commodity in the
State
11. Central and State Government policy
12. Value chain in the commodity √
13. Proposed Strategy by the Applicant √
for Marketing and Market viability

96
5.3 Financial viability
1. Due diligence status √
2. Project Cost √ Certified by
3. Means of Finance √ CA
4. Investment into Horticulture √
5. Key financial Indicators √
6. Project Financing √
a. Rate of Interest √
b. Returns from the Project √
(IRR):
c. Cost of Production and √
Profitability (Annexure)
d. Yield and Sales Chart √
(Annexure)
e. Proposed Balance √
Sheet: (Annexure)
f. Proposed Cash flow Statement √
for next 7 years (Annexure)
g. Proposed Profit & Loss √
Account: (Annexure)
h. Proposed Repayment of Term √
loan and Schedule (Annexure)
i. Break even Analysis √
(Annexure)
j. NPV (Net Present Value) √
k. Economic Rate of Return √
7. Farm record keeping/ Maintenance √ Records
proposed
5.4 Land development and Crop Husbandry
5.4.1.Land development
5.4.2.Selection of Quality Planting Material
1. Recommended and popular Cultivars- √
varieties/hybrids, their specific
characteristics, requirements and
yields
2. Cultivar/Hybrid/Variety selected and √
Criterion adopted for selection
3. Propagation methods √
4. Accredited / Good Nurseries in the √
area
5. Planting material-source, quality and √ Nursery / Shop
suitability Invoice with
Seed quality
5.4.3.Orchard / Site planning, Lay out and
management
1. Planning, establishment and layout √
systems
2. Land preparation √
3. Planting Season / time and density √

97
 and transplanting
4. Water and Nutrient management √ Written plan
5. Intercultural operations including √
Weed management
6. Plant canopy architecture √
management/ training and pruning
7. Planting systems and transplanting √
of horticultural crops
8. Use of Pollinators & pollinisers √
9. Use of Plant growth regulators √
10. Flowering & fruiting √
11. Integrated Pest and Disease √
Management and Food Safety
measures
12. Physiological disorders- causes, √
preventive and management
measures.
13. Special problems if any √
5.4.5.Farm Structures and mechanisation √
1. Protective cover structure √ Technical
standards
Undertaking of
expertise /
competency by
Agency
2. Farm Mechanisation √ Company
Brochures
5.4.6.Harvesting and Fruit / flower care
management
5.5 Post-Harvest Management √
1. Post-Harvest infrastructure scenario in
horticulture sector in the State and
specially for the proposed crop /
component
2. Product/ Process Flow chart √
3. Lay out / Floor Plan of post-harvest √
operations
4. Post-harvest operations (Based on √ Protocols
applicability)
5. Pre-cooling √
6. Curing √
7. Cleaning / Washing √
8. Sorting and Grading √
9. Packing and labelling √ Models
10. Ripening √
11. Transport √
12. Storage- Low cost / cold storage/ CA √
13. Post-harvest infrastructure – Integrated √ Technical
Post-harvest Management- (Which ever Standards

98
 component is proposed)
1. Integrated Pack house
2. Pack House
3. Pre-cooling unit
4. Cold Room (Staging)
5. Mobile Pre-cooling unit
6. Ripening Chamber
7. Primary Processing
8. Refer van
9. Retail outlet
10. Labour room
5.6 Marketing
1. Aggregation & Assembling: √
Marketing infrastructure
2. Market Institutions and agents √
3. Demand and Supply trends and
forecast both in local and National
markets.
4. Traceability system √
5. Proposed value chain / method of √
Marketing by the Applicant
5.7 Value addition / Processing √
6 Technology providers √
1. ICAR /CAU/ SAU/SHU / Research √
Stations and Experts names
2. Agri/Horti-Business incubators √
7 Food Safety -With /Without GAP
certification
1. GAP Certification if any √
2. Food safety measures √ Clean farm,
a. Pre-planting √ Trained
b. Crop husbandry √ workers;
c. Harvestings √ Protective
d. Post-harvest √ clothing,
Safety
equipment;
First Aid;
Safety and
Hygiene
policy; Waste
Management
Plan
8 Innovation if any
9 Risk Management √ Proposed
insurance
details if any
10 Checklist √
11 Declaration from Crop Expert and Project √
Finance Expert

99
 Self-declaration by the Applicant √
Note: *: Documents are to be submitted only when NHB accords Pre- IPA approval.
@ In case of export units.
11.1.Declaration by Crop Expert ( if the Project / Crop specific information, data and
chapters of DPR are prepared by the expert and not by the applicant)

I have read and understood the latest NHB Schemes operational guidelines and made the
applicant understand the same.

The technical information provided in the Detail Project Report are as recommended by
ICAR/ State Agriculture / Horticulture University/ …….Research Institute as published in
their publication…………./ genuine website……………….

The project is technically feasible and economically viable and is bankable.

Certified that the information/contents as above furnished by me/us in the application are true
to the best of my/our knowledge & belief and nothing material has been concealed.

My details are as follows:

Name of Crop Expert (Could be any working or retired faculty / scientist in

ICAR/ CAU/SAU/SHU/State Horticulture Dept. or
ICAR Agri/Horti-business incubators)
Current/ previous profession:
Educational qualification and
University passed out
Registration number if any
Permanent address:
Contact Number: Tel
Mobile
Email

Place Signature
Date Designation and Seal

100
 11.2.Declaration by Project Finance Expert (Chartered accountant)
( if the Market viability and Financial Viability chapters are prepared by the Project Finance
Expert and not done by the applicant on his/her own)

I have read and understood the latest NHB Schemes operational guidelines and made the
applicant understand the same.

The project is technically feasible and economically viable and is bankable.

The Financial and Market viability as provided in the Detail Project Report is true to the best
of my knowledge.

Certified that the information/contents as above furnished by me/us in the application are true
to the best of my/our knowledge & belief and nothing material has been concealed.

Name of Chartered Accountant

Current profession:
Educational qualification and
University passed out
Registration number if any
Permanent address:
Contact Number: Tel
Mobile
Email

Place Signature
Date Designation and Seal

101
 12.Self-Declaration by applicant

1. I have read and understood the latest NHB Schemes operational guidelines including
conditions, norms and pattern of assistance.
2. The information provided in the Detail Project Report is true to my knowledge.
3. In case the details provided by me viz., (i) my personal details, land, previous benefits
availed by me from either Central and State Government if proved false at any stage NHB
is entitled to recover any subsidy if any released by it from me.
4. I have personally ascertained technical details of the projector or I have availed the
services of a competent Horticulturist for technical details and viability. Accordingly
declaration is provided herewith.
5. I have personally ascertained Financial and Market viability of the project or I have
availed the services of a competent Project Finance expert for the requisite project finance
details and project viability. Accordingly declaration is provided herewith.
6. In case the project is approvedfor pre-IPA, I shall undergo a 2 Weeks (min.10 working
days) training programme in case of Open field condition and protective cover (with or
without PHM component) and a minimum of 1 Week programme in case of standalone
PHM component at my own expenses in one of the ICAR/CAU/SAU/SHU/ Research
Station/ Centres of Excellence/ related Central or State Government institution/ others as
found appropriate / approved by NHB.
7. I shall adopt scientific package of practices / technology and maintain proper farm
accounts.
8. The project is technically feasible and economically viable and is bankable.
9. In case the project application is considered for application processing, I am bound to
submit all required / requisite mandatory documents to establish veracity of my DPR and
eligibility to claim subsidy under NHB Schemes in the form prescribed with in 3 months
of any such intimation from NHB for according In principle approval (IPA). Else I
acknowledge that my application stands vacated and rejected by default of my omission.
10. Incomplete/ NPA projects and default cases shall not be eligible for subsidy.
11. In case the project is approved for subsidy claim I shall undertake a MOU with NHB to
comply with all the terms and conditions of the scheme guidelines as effective on the date
of subsidy claim approval and any other condition/ advisory in the interest of projects
success and sustainability.

Applicant (Name and signature) and Seal if any

Date

Location:

102
 Annexure: Proposed Stages in NHB Scheme Implementation

Stage Player Step Mode Timeline Remarks /

Enclosures
1 Applicant Submission of Prescribed Online No document
Application -specific to the is required to
scheme enclosing DPR be enclosed
based on model template. but with
requisite fees.
2 NHB Examines the Application Target Evaluated by
and DPR and gets it 1 Month a panel of 3
appraised for Agro-climatic experts.
suitability, Market viability, Kept
Technological feasibility confidential.
and capability of applicant
duly considering the budget,
priority (SabkaSaathSabka
Vikas) and design of
implementation of the offer /
Year.
3 Applicant If the project is sound, NHB Max. 1 Prescribed
+ Bank informs Pre-In Principle month documents
Approval (Pre-IPA) to the including
applicant to submit all the (Allowed those
prescribed / requisite max.3 specified in
documents along with months DPR
strictly) checklist.
 Bank Appraisal of
Market viability and
Financial viability
(should be after NHB
Pre-IPA) ;
 and Sanction (after
Appraisal) within 3
months of NHB Pre-
IPA.

Any lapse in time line, the

Pre-IPA stands vacated /
rejected. However he is
eligible for fresh
submission.
4 Applicant Undergoes 2 Weeks training
programme on the project /
Crop at his own expenses in
an institute recommended /
approved by NHB
5 NHB NHB examines the 2 months
application, DPR with
reference to documentary Target

103
 evidence and Bank 1 Month
Appraisal of Market
viability and financial
viability duly considering
the budget, priority
(SabkaSaathSabka Vikas)
and design of
implementation of the offer /
Year.
6 NHB takes decision on
according In-Principle
Approval (IPA) to the
applicant. In case it is
approved, it is informed to
the applicant.
7 In case of projects rejected
by NHB, the entrepreneur is
provided an opportunity to
make his case by way of
presentation of his project
on an appointed day in the
presence of competent
authority.

The forum objective is to

help the entrepreneur to
know the weaknesses of the
project currently and enable
him/ her to review / revise
his/ her project as deem
appropriate to suit NHB
requirements. The
entrepreneur is open to
submit project proposal
afresh.
8 Applicant Where ever IPA is issued- 18 months
Applicant has to complete
the project within the
prescribed time limit. Else
the IPA stands vacated /
cancelled.
9 Applicant Applicant submits subsidy 3 months Prescribed
claim within 3 months of documents
completion of the project.
Else the IPA stands vacated
and rejected
10 NHB + NHB undertakes Joint Target:
Bank/ FI+ Inspection of the field/ Max. 30
Applicant activity days of
request

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11 NHB NHB JIT submits JIT report 15 days
12 NHB NHB examines the JIT 2 months
report and takes decision on
release of subsidy subject to
Scheme conditions and
publish decision / minutes of
competent authority with
reasons in NHB website.
13 NHB In case NHB approves
release of subsidy, releases
funds with in 15 working
days of minutes of
competent authority to SRF
account.
14 Bank/ 1. Confirms the receipt of
Applicant subsidy.
2. Closely monitor the
project health for over 5
years.
3. Takes into consideration
the NHB advisories.
15 Applicant 1. Confirms the receipt of
subsidy.
2. Maintain farm records
and accounts.
3. Adopts technology /
scientific package of
practices and innovate
marketing / business
strategies.
4. Takes into consideration
the NHB advisories.
5. Regularly reports the
performance of project
health
6. Share best practices if
any to NHB.

Please contact for any further crop specific information:

Director
ICAR-Indian Institute of Spices Research
Marikunnu (P.O),
Kerala
Phone : 0495-2731410
E-Mail :[email protected]
Home page: http://www.spices.res.in/

THE END

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