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goatsindia

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Finacial scheme for Goat farm
   
Is there any financial scheme from NABARD for setting up Commercial GOAT farm (breeding farm)? 
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nileshdv

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Re: Finacial scheme for Goat farm
   
Centrally Sponsored Scheme - Integrated Development
of Small Ruminants and Rabbits. pl visit NABARD website.It is a credit linked scheme.
----------------------------------------
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nileshdv

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Re: Finacial scheme for Goat farm
   
1
Ref.No.NB.ICD.GSS/ 1585/DSRR-4/2009-10
Circular No. 219 /ICD- 46 /2009
24 December 2009
The Chairman / Managing Director
All Scheduled Commercial Banks /
All Scheduled (Primary) Urban Cooperative Banks
All RRBs/ADFCs/SCBs/SCARDBs
All other institutions eligible for NABARD refinance
Dear Sir
Centrally Sponsored Scheme - Integrated Development
of Small Ruminants and Rabbits
As you are aware, sheep and goats are generally reared by the poor households
of the rural population and they provide to the society meat, wool and manure.
At the same time, these animals have wide adaptability to suit many of the
agro-climatic conditions. Nevertheless, poor awareness of the role played by
the sector for the downtrodden, absence of attention by the planners/financial
agencies and lack of focus on improving productivity of the animals are the
main reasons for the sector remaining backward. However, development of
small ruminants in an integrated manner holds great potential for generating
employment and enhancing rural prosperity.
2. In this background, it has been decided by Government of India to
launch a centrally sponsored scheme for integrated development of small
ruminants and rabbits for providing Venture Capital assistance during the
remaining period of XI Five Year Plan in 24 states with a focus on 114 districts
for small ruminants and 12 districts for rabbits as indicated in Annexure I.
Under the scheme an Interest Free Loan (IFL) shall be provided based on the
total financial outlay (TFO) for the various components as indicated at para 5.1
of the guidelines.
3. The assistance under the scheme shall be available to landless
labourers, marginal farmers and their SHGs for setting-up rearing units with
preference to traditional shepherds, women and SC/STs. For breeding farms
Individual farmers, traditional breeders, entrepreuners, NGO, etc, would be
eligible with preference to those who have organised the farmers into groups for
taking up rearing of small ruminants and rabbits. The IFL @ 50% of the TFO
of the project with the upper ceiling as indicated at para 5.1 of the guidelines
shall be available for all categories of the promoters.
2
4. Assistance under the scheme would be purely credit linked and subject
to sanction of the project by eligible institutions. Banks shall, after sanction of
loans, apply through their Controlling Offices to Regional Office (RO) of
NABARD for sanction of Interest Free Loan. NABARD RO will scrutinise the
claim proposal and ensure that those, which satisfy the terms and conditions
are put up to State Level Sanctioning and Monitoring Committee (SLSMC) for
sanction. The SLSMC will sanction the Interest Free Loan for projects to
eligible institutions. NABARD would provide refinance support to the eligible
financing banks for the term loan extended under the scheme. The extent and
interest rate on refinance will be as per instructions issued by NABARD from
time to time.
5. The implementation of the scheme shall be monitored by a Central
Monitoring Committee at national level on half yearly basis. At the state level
the progress will be reviewed by the State Level Sanctioning and Monitoring
Committee (SLSMC) on a quarterly basis. The participating banks will
conduct periodic inspections of the units and give a feedback to the SLSMC on
a consolidated basis.
6. The SLSMCs in each State are expected to meet quickly after their constitution
and decide whether proposal concerning each beneficiary is to be placed before the
Committee for approval or proposals of a district/cluster are to be firmed up and
bunched together for consideration of the Committee or the Committee would ratify
the action taken by the financial institution on individual projects.
7. We request you to circulate the operational guidelines among your
controlling offices and branches with instructions to implement the scheme
expeditiously. You may also arrange to give wide publicity to the scheme and
advise your offices to submit the proposals to the Regional Offices of NABARD
in the respective states. The State Animal Husbandry Department may also be
approached for popularising the scheme and mobilising applications from
prospective promoters. A copy of the operational guidelines of the scheme is
enclosed. English and Hindi versions of the operational guidelines would be
placed in the website of NABARD.
Please acknowledge receipt.
Yours faithfully
Sd/-
(S C Kaushik)
Chief General Manager
Encl : A copy of the operational guidelines
3
GUIDELINES FOR SCHEME FOR INTEGRATED DEVELOPMENT OF SMALL
RUMINANTS AND RABBITS
1. Background
1.1. Sheep, and goats are reared by the most poor of the rural population and they provide our
society with meat, wool, milk and manure. These animals have wide adaptability to suit many of
the agro-climatic conditions. The contribution of the sector to rural economy estimated at
Rs.2400 crore mostly to sustain landless, marginal and small farmers. It forms 10% of total value
of livestock products. Though our country has around 41 breeds of sheep and 20 breeds of goat,
very little scientific breeding has been done to improve their performance at the field level.
Efforts to import exotic germplasm to crossbreed local animals have not been successful.
1.2 Poor awareness of the role played by the sector for the downtrodden; absence of
attention by the planners/ bankers; lack of focus on improving performance of animals are
reasons for the sector remaining backward. There are no farmers’ organisations to help them.
There are no schemes aimed at this sector at the national level. Their problems are getting acute
as fodder availability in the migratory routes is drying up. It is necessary to organise and educate
them in the latest technologies available and ensure that animals are selected for better
performance and make use of locally available resources.
1.3 The present proposal addresses the past neglect.
2. Objectives of the Scheme
The main objectives of the scheme are:
i. To encourage sheep/goat/rabbit rearing farmers to go in for commercial rearing rather than
subsistence farming by providing incentives for performance.
ii. The production performance of native breeds will be improved by regular selection and
culling based on measurable indicators.
iii. Facilitate marketing based on acceptable norms so that producer gets a fair share of the price
paid by ultimate consumer for the meat.
iv. To encourage value addition of the products locally and help farmer realise a better income
from the animals.
3. Implementing Period and Area of Operation
The scheme will be implemented during the remaining XI Plan period with a focus on 114
districts for small ruminants and 12 districts for rabbits in 24 states ( Annexure I). State Level
4
Sanction and Monitoring Committee (SLSMC) can include new areas in their State taking into
account potential in such areas.
4. Eligibility
4.1. Individual farmers, SHGs are the intended beneficiaries for setting up rearing units.
Preference would be given for traditional shepherds, women, SC and STs.
4.2. Individual farmers, NGO’s , Companies would be eligible for breeding farms with
preference for those who have organised the farmers into groups for taking up rearing of small
ruminants and rabbits.
5. Project Costs and ceilings on Interest Free Loan (IFL).
5.1. The indicative project costs and ceiling on IFL for different activities are given below
S.No Component Total financial
outlay
(Rs lakh)
Pattern of
Assistance
1 Rearing of sheep and goats (40+2) 1.00 50% of the outlay as IFL
subject to a maximum of Rs
50,000/-.
2 Sheep and Goat Breeding units (500+25) 25.00 50 % of the outlay as IFL
subject to a ceiling of Rs 12.50
lakh
3 Rabbit rearing units 2.25 50 % of outlay as IFL subject
to a maximum of Rs 1.125 lakh
6. Funding pattern
• Entrepreneur contribution ( margin) - minimum10% in the case of rearing units and
minimum 25% of the outlay in case of breeding units
• Interest Free loan - 50 % of the total financial outlay subject to a
ceiling as per indicated para 5.1 above.
• Bank Loan - Balance amount
In case the outlay is more than that indicated above, either the entrepreneur can bring that
amount as additional margin or the bank can sanction it as a loan.
7.Linkage with Credit
Assistance under the scheme would be purely credit linked and subject to sanction of the project
by eligible financial institutions
8. Eligible Financial institutions
a. Commercial Banks
b. Regional Rural Banks
c. State Cooperative Banks
5
d. State Cooperative Agriculture and Rural Development Banks: and
e. Such other institutions, which will be eligible for refinance/co-finance from NABARD.
9. Constitution of State Level Sanctioning and Monitoring Committee and Central
Monitoring Committee
9.1 . The SLSMC will be constituted by concerned Regional Office of NABARD and will be
headed by Principal Secretary / Secretary of the Department of Animal Husbandry of the State
and have as its member a representative each from
i. Department of Animal Husbandry, Dairying and Fisheries, Ministry of Agriculture, GoI.
ii. Lead Bank in the State
iii. State Animal Husbandry Department
iv. An NGO actively operating in the State
v. Regional Office of NABARD - Convener
9.2. At the National level, a Central Monitoring Committee will be constituted to approve
projects to be sanctioned directly by the Department and to formulate operational plan and policy
with respect to the scheme.
10. Implementation of the scheme
I. Rearing Units
a. Identification of NGOs to act as facilitators
i. The SLSMC shall invite proposals from NGOs working in the field of small ruminants or those
ready to work in this area to act as facilitators under the scheme. These NGOs would be
responsible for organising the interested beneficiaries into groups, nurture them, provide training
in coordination with local Animal Husbandry Department, facilitate sanction of loans to these
groups/ members of the groups by the local banks, and arrange for inputs and marketing of the
animals. Separate provision for organising farmers into groups, their training and capacity
building of NGOs is available.
ii. The SLSMC shall select facilitators ( atleast 2 -3 in each district) and allocate the areas to
them.
iii. The identified facilitator shall go ahead with the selection of beneficiaries, formation of
groups, training and linking with banks for selection of groups. This will be done under the
guidance of local Animal Husbandry Department and the District Development Manager of
NABARD.
iv. Good working SHGs already existing in the area also can be considered for rearing activity
under the scheme
6
b. Sanction of loans by the banks
On completion of training, the facilitator shall arrange for sanction of loans by the local banks.
Banks shall appraise the projects as per their norms and after sanction of the loans apply through
their controlling offices in the format given as Annexure II, to the Regional Office of NABARD
for sanction of Interest Free Loan.
The banks, if they so desire, can disburse the loan before receipt of IFL, in which case they can
charge interest on the entire loan amount till they receive the IFL portion. On receipt of IFL,
interest shall be charged on their loan component only and no interest shall be charged on the
IFL. However, this will not confer any right on the bank / beneficiary for the IFL component
which shall be sanctioned / released subject to the project’s eligibility and availability of funds
from Government of India
II Breeding Units
The entrepreneur / NGO shall prepare a detailed project report and submit to their financing bank
for sanction. The bank shall appraise the project as per their norms and if found feasible and
viable shall sanction the loan. Thereafter they shall apply through their controlling offices in the
format given as Annexure II, to the Regional Office of NABARD for sanction of IFL.
As in the case of rearing units, the banks if they so desire can disburse the loan before receipt of
IFL, in which case they can charge interest on the entire loan amount till they receive the IFL
portion. On receipt of IFL, interest shall be charged on their loan component only and no interest
shall be charged on the IFL. However, this will not confer any right on the bank / beneficiary for
the IFL component which shall be sanctioned / released subject to the project’s eligibility and
availability of funds from Government of India
11. Sanction and release of IFL
11.1.NABARD RO will scrutinise the claim proposals and ensure that those, which satisfy the
terms and conditions, laid down in the guidelines only are put up to State level Sanction and
Monitoring Committee (SLSMC) for sanction. The meeting will be convened initially as and
when proposals are received and later at quarterly / half yearly intervals to review the progress of
the scheme.
11.2 The SLSMC will sanction the Interest Free Loan portion (50% of the outlay subject to the
ceiling) for eligible proposals. The SLSMC in each State are expected to meet quickly after its
constitution and decide whether proposal concerning each beneficiary is to be placed before the
Committee for approval or proposals of a district/cluster are to be firmed up and bunched
7
together for consideration of the Committee or the Committee would ratify the action taken by
the financial institution on individual projects.
11.3 On receipt of the confirmation from HO, the concerned ROs of NABARD will release the
sanctioned IFL to the respective banks. The sanction and disbursement of IFL will be for the
selected beneficiaries only.
11.4 The banks will release the first instalment within a month of receipt of the IFL component
from NABARD. If the bank is not in a position to release the loan due to some reasons, the IFL
shall be remitted back to the concerned Regional office of NABARD within a month of its
receipt. In case of delay of such refund the bank has to pay interest on such amount @10% per
annum from the date of its receipt by the nodal branch.
12. Repayment Period and Recovery of Loan
12.1 Repayment period of loan will depend upon the cash flow and will be up to maximum of 9
years including grace period of 2 years. The bank will submit the repayment schedule for the
entire loan inclusive of IFL to NABARD and may take all steps to ensure proper follow-up and
recover the loan provided to the borrower and return the pro-rata amount to NABARD on a halfyearly
basis. For convenience sake, the repayment received during January to June should be
passed on by the bank to NABARD on 31st July and like wise those received during July to
December should be passed on to NABARD on 31st January next year. The risk, if any, will be
shared by Government of India on a pro-rata basis. However, the banks will take effective steps
for recovering the entire loan amount.
12.2. Banks shall furnish the status of the accounts on a yearly basis in the format given in
Annexure-III.
13. Rate of Interest
Rate of interest on term loan shall be as per RBI guidelines and declared policy of the bank in
this regard.
14. Security
The security for availing the loan will be as per guidelines issued by RBI from time to time.
15. Refinance Assistance from NABARD
NABARD would provide refinance assistance to commercial banks, RRBs, SCBs SCARDBs
and other such eligible institutions. Quantum and rate of interest on refinance will be as decided
by NABARD from time to time.
8
16. Monitoring
16.1. The National Level Central Monitoring Committee will review the progress on half yearly
basis.
16.2. The SLSMC will review the progress on quarterly basis/half yearly as is considered
necessary.
16.3. The participating banks should conduct periodic inspections of the units and give a
feedback to the SLSMC on a consolidated basis.
17. Other Conditions
 The participating banks will adhere to the norms of appraising the projects regarding
technical feasibility and commercial/financial viability.
 The participating banks should ensure insurance of the assets created under the project,
wherever required statutorily.
 A signboard displaying “Assisted by Department of Animal Husbandry Dairying and
Fisheries, Ministry of Agriculture, Government of India through NABARD” will be
exhibited at the unit.
 Pre and post completion inspection of the project shall be undertaken by the participating
bank to verify physical, financial and operational progress as and when required.
 DAHD&F reserves the right to modify, add and delete any terms / conditions without
assigning any reason.
 DAHD&F’s interpretation of various terms will be final.
 DAHD&F reserves the right to recall any amount given under the scheme without assigning
any reason thereof.
 Any other pre and post inspection would be undertaken by DAHD&F representative to find
out the physical and financial progress as and when required.
 Other operational instructions issued by DAHD&F / NABARD from time to time will be
strictly followed.
9
Annexure- I
Potential Districts for Resource Mapping of the Sheep/Goat / Rabbit Rearing Activities
S.
No.
State Sheep/Goat Rabbit
1 Andhra
Pradesh
Adilabad, Chittor, Cuddapah, Guntur,
East and West Godavari, Khammam,
Nalgonda, Nizamabad, Prakasam,
Rangareddy, Visakapatnam, Warangal
2. Arunachal
Pradesh
Lohit, Lower Subansiri, West Siang Tawang
3. Assam Barpeta, Dhemaji, Dibrugarh, Jorhat,
Kamrup, Lakimpur, Nagoan, Nalbari
4. Bihar Araria, Banka, Baghalpur, East
Champaran, Katihar, Khagaria,
Muzzafarpur, Purnia, Sitamarhi
5. Chattisgarh Dantewada, Jashpur, Raipur, Raigarh
6. Gujarat Bhavnagar, Dahod, Jamnagar, Kuch,
Panchmahal, Rajkot, SabarKantha,
Surendranagar
7. Himachal
Pradesh
Chamba, Mandi, Kangra Kullu, Shimla
8. J & K Baramulla, Doda, Kathua, Rajauri,
Udhampur
9. Jharkhand Giridih, Hazaribag, Ranchi
10. Karnataka Belgaum, Chitradurga, Gulbarga, Kolar,
Mandya, Raichur, Tumkur
11. Kerala Idukki, Kannur Thiruvananthapuram,
Ernakulam
12. Madhya
Pradesh
Chhatarpur, Jhabua, Shivpuri, Sidhi
13 Maharashtra Ahmednagar, Beed, Dhule, Nashik, Pune,
Sangli, Satara, Solapur, Yavatmal
14. Manipur -- Imphal East & West
15. Meghalaya -- Ri Bhoi
16. Mizoram -- Aizawl
18. Orissa Khurdha, Raigada
19. Rajasthan) Ajmer, Barmer, Bharatpur, Bhilwara,
Bikaner, Churu, Jaipur, Jaisalmer, Jalore,
Nagaur, Pali, Sikar, Sirohi Udaipur
20. Tamil Nadu Erode, Krishnagiri, Nagapattinam,
Sivaganga, Tirunelveli, Tiruchirapalli,
Virudhunagar, Vellore
10
S.
No.
State Sheep/Goat Rabbit
21. Tripura -- West Tripura
22. Uttaranchal Tehri Garhwal Pithoragarh
23. Uttar Pradesh Aligarh, Etah, Shravasti, Sitapur
24. West Bengal Bankura, Burdwan, Murshidabad, Nadia
Purulia, 24 Parganas North & South
Darjeeling
11
ANNEXURE II
INTEGRATED SCHEME FOR DEVELOPMENT OF SMALL RUMINANTS AND RABBITS
CONSOLIDATED CLAIM FROM THE CONTROLLING OFFICE OF THE BANK FOR RELEASE
OF INTEREST FREE LOAN PORTION
(To be submitted to the concerned NABARD, Regional Office)
1. NAME OF THE BANK: 2. MONTH/YEAR OF CLAIM:
3. TOTAL AMOUNT OF CURRENT CLAIM:
4. DETAILS OF CURRENT CLAIM:
(Rs.lakhs)
S.No Particulars 1 2 3 4 5
1 Name & address of Beneficiary
(Pl indicate district also)
2 Category
(SF/MF/shepherd/SC/ST/others)
3 Gender (M/F)
4 Constitution (Individual / SHG /
NGO/ Others)
5 Branch Address (indicate district
also) and BSR code of branch
6 Loan a/c No.
7 Date of sanction
8 Purpose of loan
9 Unit size
10 Total financial outlay
11 Margin
12 Bank loan
13 IFL claimed
14 Repayment prescribed
15 Rate of interest
16 Any other information relevant to
the project
1. We undertake having complied with all the instructions contained in NABARD circular
No. ---------------- regarding operational guidelines of the scheme and as amended from time
to time while sanctioning above proposals.
2. We request you to release an amount of Rs._______________ (Rupees
_______________________) as interest free loan portion in respect of the above
beneficiaries under the integrated scheme for development of small ruminants and rabbits
3. We also certify that the IFL in respect of previous claims have been fully utilised.
Place:
Date :
Seal and signature of the Officer
(Controlling office of the financing bank)
12
(For the use of NABARD RO, )
The above claim is scrutinised. HO is requested to confirm the release of Interest free loan amount of
Rs. (Rupees only) to be released to
______________ (Name of the Bank).
(Signature)
AGM/DGM
(NABARD, RO)
__________________________________________________________________________________
(For the use of ICD, NABARD HO) ________
Release of IFL - Confirmation
RETURN FAX MESSAGE
Date
__________________________________________________________________________
FROM : CGM, ICD, NABARD, HO, MUMBAI
FOR: CGM/GM/OIC, REGIONAL OFFICE NABARD
__________________________________________________________________________
Scheme for Integrated Development For Integrated Development of Small
Ruminants and rabbits- confirmation
The claim No. is admitted. (Ref. Claim No.................for IFL). Since sufficient funds are
available with NABARD, under the scheme, the above proposal of releasing IFL amount of
Rs................................. (Rupees ........................................................................................ only) is
confirmed for release.
AGM / DGM
ICD, NABARD-HO, MUMBAI
Date
13
ANNEXURE III
INTEGRATED SCHEME FOR DEVELOPMENT OF SMALL RUMINANTS AND RABBITS
STATUS OF LOAN ACCOUNTS UNDER THE SCHEME AS ON 31 MARCH____________
Name of the Bank
State
(Rs. lakhs)
S.No Name of As on 31 Mar
the
beneficiary
Branch Purpose Outlay Loan
sanctioned
of col
(6)
IFL
Demand Repay
-ment
Of Col.(9)
amt.
remitted
to
NABARD
Loan
O/S as
on 31
Mar
Remarks
1 2 3 4 5 6 7 8 9 10 11 12
It is hereby certified that the amount at col.9 has been remitted to NABARD towards IFL component
out of the recoveries made in the account on pro-rata basis.
Place:
Date :
Seal and signature of the Officer
(Controlling office of the financing bank)
----------------------------------------
farming simplified by
NIMITYA agricultural video films
www.nimitya.com
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asadrazvi2000

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Hyderabad
Andhra Pradesh
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Re: Finacial scheme for Goat farm
   
Dear All,
we are working for 10 farmers on this scheme in Hyderabad. if any body is interested please contact us
----------------------------------------
Regards,
Syed Mustafa Hussain Razvi
Owner
Shinefarms
syed@shinefarms.com
www.shinefarms.com
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goatsindia

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Kothrud
Maharashtra
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Re: Finacial scheme for Goat farm
   
Sir, Thank you for your valued information. Regards.

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goatsindia

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Kothrud
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Re: Finacial scheme for Goat farm
   
Sir, Thank you for your reply. I will contact you on to your Email address. Regards.

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asadrazvi2000

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Re: Finacial scheme for Goat farm
   
Thanks,
i will be mailing you shortly
----------------------------------------
Regards,
Syed Mustafa Hussain Razvi
Owner
Shinefarms
syed@shinefarms.com
www.shinefarms.com
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baramati

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Re: Finacial scheme for Goat farm
   
OK.
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