Project Report of DMR Marketing Limited

Project Report of Ms/ DMR Marketing Private Limited
Chapter 1 1.1 2 2.1 3 3.1 3.2 4 4.1 5 5.1 5.2 5.3 6 6.1 6.2 7 8 9 10 11 12 13 14 14.1 14.2 14.3 14.4 14.5 14.6 14.7 14.8 14.9 14.10 14.11 14.12 14.13 14.14 Introduction M/s Mamta Food Products Location & Operation
Particulars 5 6 6 7 7 7 8 8 9 9 9 9 10 11 13 15 17 20 22 29 30 32 34 34 34 35 39 40 41 42 47 49 50 50 51 51 51
Page No.
Location of the Company Prospective Clients & Suppliers List Prospective Clients Prospective Suppliers Partners Background & Profile Background of Partners Products & Services of the Company Chakki Fresh Atta Chana Besan Chana Dal Manufacturing Process Wheat Flour Gram Besan Infrastructure Industrial Scenario Production/ Cultivation Scenario Market Study SWOT Analysis Quality Control Key Players Brief of the Proposed Proposal Total Credit Exposure to the firm Means of Finance for Term Loan Details of proposed plant & machinery & Utilities, Electrical & Civil Construction Assessment Of Working Capital List of Security Offered Financial Data Cash Flow Profitability Projections Projected Balance Sheet Calculation of DSCR Calculation of ISCR Draw-Down Plans Project Implementation Schedule Repayment Schedule
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DMR Marketing Private Limited
Project Report of Ms/
VISION: To be a well acceptable Taste in the market.
MISSION:
To provide hygienic food in the present most polluted & stressful life. Serve the Indian people by providing highly nutritious food products.
To manufacture the highest quality of flour products and to provide services with exceptional value to our customers.
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Chapter-I
1.1 M/s MAMTA FOOD PRODUCTS: Mamta Food Products is a registered partnership firm established in May 2011 to serve the Indian people through manufacturing & marketing of the high quality, nutritious food products mainly Wheat Flour & Gram Besan. The products will be manufactured at their proposed unit located at near Taloja Industrial Estate, Close to Navi Mumbai. Looking to the increase in population in India the demand for basic necessity of life which is staple food is increasing rapidly. So, by keeping this in mind the products (such as Wheat flour which is used in making Chapattis, Pures, Parantha and other roasted cereal based products. Gram Besan which is used in cooking food like in making curries, pakoda etc. & some sweet dishes) which we are proposing to manufacture in our flour mill will be free from any artificiality and therefore it would be helpful in mental as well as physical growth of the family members. For manufacturing Wheat Flour & Gram Besan we will use fully automatic chakki atta plant & besan plant under the hygienic conditions, in order to meet the set quality standards. During this whole process the By-Products which will be obtained from it such as bran from wheat flour & chuni from chana besan will be used by the dairy industry as feed for the livestock. These products will be properly packed into rugs and bags, ensuring their safety during transportation, loading and unloading. These products will be hygienic in nature and at the same time, offer high nutritional value and longer shelf life. Further, these will be safely secured in our warehouse so that these can be saved from worms & environmental changes. In addition, with the help of these precautions, our products will be good in taste and completely pure because we believe in service to the customer so that they enjoy the satisfaction of savoring the best food products, a true value for money.
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Chapter-II
2.1 LOCATION OF THE COMPANY Administrative Office : Plot No- 7/9 Opposite Jindal Drugs Ltd., Taloja MIDC Area, Taluka Panvel, Dist. Raigad, Navi Mumbai-410208, Maharashtra. Tel. :- +91-9768130940 EMAIL : kadammail66@yahoo.com. Locational Advantages: Plot which was selected to construct this dream project is situated just across the existing industrial belt of Taloja MIDC. Manpower required to run the facility will be easily available within close proximity of Taloja MIDC area. Advance means of transport & communication will be easily available at site. An uninterrupted round a clock electric & water- supply will be easily available at a location. Due to close vicinity to JNPT & upcoming International Airport there will be an ample storage & warehousing facility at good commercial rates. The logistic facility to bought raw-material to the factory & finished products to the various locations will be easily available at Taloja MIDC area. Since it will be located in such an area where promoters can appoint marketing professionals & agencies who were having more than 15-20 years of experience in marketing of the food products at relatively much cheaper rate.
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CHAPTER-III
3.1 PROSPECTIVE CLIENTS:-
Sr.No.
1. 2. 3. 4. 5. 6. Mukesh Traders Maratha Palace
Names
Addresses
Plot No-256, Pimpri- Chinchwad Link Road, Near Pimpri Main Over Bridge, Pune-411017 Plot No-10/11, Kodoli, Vilaspur, Banglore Highway, Satara. E-15/1, MIDC Area, Murbad, Dist. Thane 481, Market Yard, Pune-411037 Gala No-10-11, Yashshri Apartment, Bapat Vadyasmor, Panvel. . Plot No-506/507, Marketyard, Gultekdi, Pune411037
Mayura Enterprises Hariyana Trading Co. Amrita Foods Laxmi Traders
3.2 PROSPECTIVE SUPPLIERS:-
Sr.No.
1. 2. 3.
Names
Manish Trading Company P. Laxmichand & Co. National Engineering Corporation
Addresses
51, New Anaj Mandi, Sanyogitaganj, Indore (M.P.) M-7, A.P.M.C. Market II, Phase II, Turbhe, Navi Mumbai-400703 2, Saibaba Shopping Centre, Keshavrao Kadam Marg, Mumbai-400008
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CHAPTER-IV
4.1 BACKGROUND OF PARTNERS:

The Partners of the firm are as under 1. Mr. Rajendra Shivajirao Kadam 2. Mrs. Vandana Kishore Khole Mr. Rajendra Shivajirao Kadam, 44 years who is having immense experience in the same line of business since his childhood as he was working in his own flour mill at his native place. He has done Masters in Human Resource Development from K. J. Somaiya Institute of Management Studies & Research, Mumbai University. He was working in the Austrian Multinational Infrastructure & Construction Company as HR & Administration Manager. He has also worked as a Senior Manager in Nicholas Piramal India Limited in the Administration & Industrial Relation department at Research Center, Goregaon. He has worked in many other companies related to HR, Administration & Audit field. Achievements: Honored by the management, for saving lives of employees, by providing timely medical assistance, at Nicholas Piramal India Limited. Received Appreciation Certificate & Trophy with Cash Prize, in the year 2004, for handling all Liaison work and co-ordination with all major state and central government agencies, while at Nicholas Piramal India Limited. : : : : : Rajendra Shivajirao Kadam Partner MBA 27/12/1966 Flat No-18/602, Siddhachal Co-operative Housing Society, Phase-III, Vasant Vihar, Thane (W)-400610
Personal Detail : Name Designation Qualification Date of Birth Residential address
Mrs. Vandana Kishore Khole, 26 years who is a young, energetic, experienced & adequately qualified in B.A (Eco.) person. She is fond of administrating organizational activities & licensing with governmental, nongovernmental authority & is equally aspirant in exercising her talent in the ensuring projects. PERSONAL DETAILS: Name Designation Qualification Date of Birth Residential address : : : : : Vandana Kishore Khole Partner B.A.(Eco.) 22/12/1984 A-1/4, 1 st Floor, Shree Samrudhi CHS opposite Kokan Mercantile Bank, Dudhnak Kalyan(w)
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CHAPTER-V
5.1 Chakki Fresh Atta

Chakki Fresh Atta is the finish product of wheat will be procured from various local market/ mandis from the state of MP (Indore), Gujarat, Rajasthan & Punjab which are available in good quality & the same will be delivered to the manufacturing site through commercial vehicles like trucks & containers.
It is made from finest quality golden wheat grains, meticulously destoned and clean, untouched by hand in a completely hygienic environment. Real chakki atta is a good source of dietary fibre, minerals and vitamins. Therefore consuming whole wheat atta reduces chances of chronic diseases. Hygienically packed in the most modern plant.
5.2 Chana - Besan

The source of supply of Gram (Chana) will be basically imported from Australia or Ghana. The same can be procured from local markets from the state of Gujarat, Harayana, Maharashtra & part of MP from various locations. The quality of imported chana is far better than the quality available at local market. Due to location advantage of our manufacturing site import of chana from Australia & other countries will be more feasible because we can utilize JNPT as well as Mumbai port trust facility for sale. They are just 30-50 km away from our manufacturing locations. Fine quality Besan will be manufactured by using cool grinding technology. This technology helps in retaining all the essential nutrients of the gram, and maintaining optimum quality and its freshness. Hygienically processed, using best quality grams, these will be available in customized packaging to meet the needs of our clients. Highly nutritious and tasteful, our range will be used to make a plethora of appetite pleasing dishes including dhokla, gathia papri and dahi kadhi etc.
5.3 Chana - Dal:

During manufacturing process the shell of gram will be removed in cleaning process by using Perforated Cylindrical Metal Sheet & gets chana dal Indian cooking pulse. It is a major source of proteins & is extremely nutritious and healthy. It will be packed in a variety of pack sizes for ease of storing & usage.
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CHAPTER-VI
The Manufacturing Process of Wheat Flour & Gram Besan is described below through flow diagram which helps in understanding of how the whole process will work & how the final product will be obtained. The Wheat Flour will be manufactured in Chakki Atta Plant & Gram Besan will be manufactured in Besan Plant where automatic machines will be used. The whole process will be performed by keeping quality control standards in mind. The final product will be sold in the market.
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6.1) Wheat Flour : FLOW-DIAGRAM

Wheat (in Bags)
Unloading [Hopper] Cleaning [Reel M/c]
Cleaning [V. S.-I]
Storage [Silo]
Cleaning
De-stoning Scouring-I Dampening Storage Scouring-II
Aspiration
Clean wheat
Magnetic Separation Storage [Bin]
Grinding [Rollers] Plansifter
Bran
Purifier Packing
Wheat Flour
Project Report of Ms/ DMR Marketing Private Limited
Brief Description of Above Process:A) Cleaning Sectio n:

Wheat will be thoroughly cleaned to remove all impurities including the dust adhered to the surface of the wheat grains. To remove the impurities a few set of cleaning stages are g oi ng t o employed, such as pre-cleaning, cleaning first stage, second stage etc. Small pieces of sticks, stones, sand, straw etc., will be removed by scouring. The scourer removes outer husks, crease dirt and any smaller impurities with an intense scouring action. It will also b e passed through magnetic separator for the separation of iron particles. Aspiration system will be used as a cleaning means as air currents act as a vacuum to remove dust and lighter impurities. Destoner will be used to remove heavier particles like stone. After completion of cleaning, wheat will be conditioned by dampening. The conditioned wheat will be stored in a silo for 24 hours and then it will send to a milling section.
B) Mill ing Section:

Milling of wheat will be carried out predominantly by roller flour mills. The roller milling system comprises of break rolls and reduction rolls. The break rolls and reduction rolls will be differentiated through the variation in their surface conditions. The surface of the reduction roll will be smooth where as surface of the break roll will be corrugated. In the break rolls, the bran is cracked and the kernel is opened. After each break, the mixture of free bran, free endosperm, free germ and endosperm still adhering to the bran will be passed through the next break roll while the middle sized endosperm called middling are sent to the reduction rolls and are used for grinding of free millings into proper flour size. After each reduction of endosperm (middlings) the flour will be shifted away from the bigger size middlings and the remaining middlings are passed again through reduction rolls. The broken particles of wheat will be introduced into box-like sifter machines, where they are shaken through a series of bolting cloths or screens to separate the larger from the smaller particles. Inside the sifter, there are a number of frames, each covered with either a nylon or stainless steel screen, with square shape openings, reducing in size in subsequent stages of screening. Up to six different sizes of particles may come from a single sifter, including some flour with each sifting. Larger particles are shaken off from the top, or scalped, leaving the finer flour to sift to the bottom. The scaled fractions are sent to other roll mills and particles of endosperm are graded by size and carried to separate purifiers. In a purifier, a controlled flow of air lifts off bran particles while at the same time a bolting cloth separates and grades coarser fractions by size and quality. Four or five additional break rolls, each with successively finer corrugations and each followed by a sifter, are usually used to rework the coarse stocks from the sifters and reduce the wheat particles to granular middlings that are as free from bran as possible. Germ particles are flattened by later passage through the smooth reduction rolls and can be easily separated. The reduction rolls reduce the purified, granular middlings (called farina) to flour.
C) Wheat Roas ting (Proc essing)

The raw wheat bags are cut open & fed to bucket elevator (B/E). The B/E lifts the material & delivers to a rotary type-cleaning screen. The cleaned wheat will be stored in a separate room. This cleaned wheat will be retrieved as per requirement and fed to the roaster through a bucket elevator chute arrangement. The roaster is a cylindrical steel vessel with tapering ends on both sides and it is enclosed inside a refractory brick lined enclosure. The roaster is indirectly heated by an oil-fired burner. The wheat along with some quantity of sand is kept rotating inside the roaster and wheat gets roasted by the time it reaches the other end. The roasted wheat is discharged from the roaster and is lifted by a bucket elevator and sent to separate storage room. The combustion gas from the roaster
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Project Report of Ms/ Mamta Food Products
enclosure is separately collected and discharged to atmosphere through a stack. After this process flour will be obtained & bran as a by-product.
6.2) Gram Besan:FLOW-DIAGRAM

Chana (in Bags)
Unloading Cleaning
Scratching
Cleaning
Conveyor
Storing for 24 hour Drying Storing for 24 48 hours Conveyor
Storage 6-8 hours Scratching
Cleaning Round Splitting
Grinding/Pulverizing
Chuni
Chana Dal
Centrifuge (3 in parallel)
Gram Flour
Packing & Dispatch
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Brief Description of Above Process:A) Cleaning Process

The cleaning process starts from unloading of raw material (whole gram) from gunny bags to the plant site unloading area. The gram will be elevated continuously with the help of bucket elevator (B/E) and fed to a cleaning screen. The cleaning screen comprises of perforated cylindrical metal sheet with holes of various sizes. The impurities such as dirt, dust, mitti, plant waste remains, shells of gram etc. are cleaned either by screening through the screen or by blowing away the impurities with the help of axial fans & get lentil ( chana dal). Some units also use destoners to remove stones from the chana dal. They are then passed through a set of rubber rollers (called reel machine) to scour adhered dust etc. and to break the tips of chana dal (called Nakku) which is again passed through a S e c ond or T h i r d set of rotary screens for screening the impurities. The clean pulses are then sent for conditioning.
B) Conditi oning Proce ss

The conditioning process involves application of water followed by soaking for desired hours under sun-drying The soaking time is about 6 hrs or more. After proper conditioning, the pulses will sent for milling.
C) Mill ing Proc ess

The milling process mainly involves application of abrasive force in various types of rollers to remove (separate) the outer shell of Gram, which will be followed by shearing of chana dal in two halves in grinders/chakkis. This pulse is easy to dehusk. Dehusking after cleaning and grading is done in roller machines. After milling process besan will be obtained & chuni as a by-product.
CHAPTER-VII
FOUR COMPARTMENT DRUM SIEVE:- It will be used to clean or grade the raw-materials at the various stages in the process. It adopts vertical suction channel and magnetic device to efficiently remove the large impurities, light impurities and magnetic impurities. It will be used for the first cleaning stage in the flour plant. ROLL ( MODEL 1433) :- This machine will be used for marking the outer surface of the raw material helps in better absorption of water in pulse hence aiding the dehusking & splitting. It is normally made for the capacity from 1 MT / hr to 3 MT/ hr. depending upon the material and the use by allowing required power ranging from 10 HP to 25 HP
DESTONER:- This machine will be used to clean the raw materials by
separating the stone, pebble, clod from wheat & gram. It works by weight where sizes are similar of materials those are to be separated from the other materials in stream. Normally in grain milling industry stones, glass and metal pieces are removed and separated so it is named de-stoner.
GRAVITY SEPARATOR:- This machine will be used as a combination of air flow nod principles of vibration to separate lighter, defective grain particles from the raw material depending on their specific gravity.
VERTICAL 18 CHAKKI :- This machine will be used for splitting the wheat & chana dal when it is attached to a pneumatic conveying system for offloading the output. Fresh air passing through the grinder always keeps the inside grinding system cooler. It is greatly being used in making whole wheat Flour( Chakki Atta). ELEVATOR:- This machine is a kind of vertical conveyor used to transport the raw material from one machine to another. In grain milling industry, elevators will be used in cleaning section for vertical conveying because it consumes less power than a pneumatic conveying system.
WARUM:- This machine is a kind of horizontal conveyor used to transport the raw material from one machine to another. The capacity and required power depend upon diameter and RPM of screw.
BLOW FAN:- In this machine the raw material passes through a high pressure air stream which cleans any particle impurity present in the raw material which is lighter in weight than it. Normally HP Fan are used from 550 mm wg to 1050 mm wg in grain milling industry in milling section. Air volume varies from range of 1500 cmh to 12000 cmh in general cases. MICRO PULVERIZER:- This machine will be used for pulverizing chana to besan. It consists of a rotor assembly fitted with hammers (beaters) & is generally operated at high speeds. The grinding action in all the pulverizes is due to the impact between rapidly moving hammers (beaters) & the particle itself. The energy of the moving hammers is dissipated into the particles being ground by virtue of their inertia, thus causing the particle size reduction.
Centrifugal flour filter unit:- This machine will be used for the filtration of the
flour. It helps remove coarse particles from the flour. Fed materials into the filter, the spiral wing occurs a cyclone pressure inside the sieving screen to bring materials into cylinder. The spiral wing makes materials occur centrifugal force and let materials pass through the sieving screen quickly. The wing wont contact the screen during working and it will break softer materials. In order to separate the fine and coarse powder, materials cant pass through the screen will push forward into the coarse powder outlet.
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CHAPTER-VIII
India is the worlds second largest producer of food next to China and has the potential of being the biggest with the food & agricultural sector. The food processing industry is one of the largest industries in India- it is ranked fifth in terms of production, consumption, export & expected growth. India's Food Processing Industry is estimated to be around USD 67 billion of the USD 180 billion Food Industry and creates more employment opportunities per unit investment than any other sectors.
Foo Consumption in India will grow at a C A G of 5.32 percent d R
250 200 1 5 1 .7 1 5 7 .7 USD Bn 150 100 50 0 2005 2006 2007 2008 2009 2010 2011 2012 1 6 8 .6 : 1 8 0 .1 1 98 1 8 4 .4 191.4 210 .3
2 2 9 .7
2013
Contribution in GDP:This industry contribution in GDP is about 15% & has a share of about 12% in total industrial production & it is expected to growing above 17% in 2015.ontribon in GDP Ministry of Food Processing Industries (MOFPI):They has formulated a Vision 2015 action plan which includes trebling the size of the food processing industry, raising the level of processing of perishables from 6 per cent to 20 per cent, increasing value addition from 20 per cent to 35 per cent, and enhancing Indias share in global food trade from 1.5 per cent to 3 per cent.
Below diagram shows food processing segments in India:-
Food Processing Segments
Grains Marine
Fruits& Consumer Vegetables Products Food
Meat & Poultry
Dairy
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Employment Opportunities:The Confederation of Indian Industry (CII) has estimated that the food processing sectors has the potential of attracting US $33 billion of investment in 10 years & generates employment of 9 million persons per day. It is a large sector that covers activities such as agriculture, horticulture, plantation, animal husbandry & fisheries. Food processing is the set of methods and techniques used to transform raw ingredients into food or to transform food into other forms for consumption by humans or animals either at home or by the food processing industry. Food processing is a large sector that covers activities such as agriculture, horticulture, plantation, animal husbandry and fisheries. It also includes other industries that use agriculture inputs for manufacturing of edible products. The food processing industry is made up of primary, secondary and tertiary food processors.
PrimaryFood Processors SecondaryFood Processors Tertiary Food Processors P rim ary ustries ind process foods(w heat flo u for exam ple) raw into r, S eco nd ary ustries se prim ary uc ts m a nufa cture erfoods ind u prod to oth (flourinto bread). Tertiaryind ustries ro d uc e prep arednv en ienc e o d ssu chas p co fo froz en dinners canned or soup.
In India, Primary Food Processing is a major industry with lakhs of rice-mills/hullers, flour mills, pulse mills and oil-seed mills. Also, there are several thousands of bakeries, traditional food units and fruit & vegetable/spice processing units in unorganized sector. Wheat & Gram which is the most widely produced cereal in the world, most of which is destined for human consumption; thus, its contribution to energy intake is significant. The processing of whole wheat & Gram to flour is generally concentrated in a few large mills. Processing of grain includes milling of wheat and pulses. In 1999-00, there were Around 820 large flourmills in the country convert about 10.5 mn tones of wheat into wheat products. Also there are 10,000 pulse mills milling about 75% of pulse production of 14 mn tones in the country. Primary milling of grains is the considered to be the important activity in the grain-processing segment of the industry. However, primary milling adds little to shelf life, wastage control and value addition. Wheat is processed for flour, refined wheat flour, semolina and grits. Apart from the 820 large flourmills, there are over 3 lakh small units operating in this segment in the unorganized sector. Dal milling is the third largest in the grain processing industry, and has about 11,000 mechanized mills in the organized segment. Oilseed processing is another major segment, an activity largely concentrated in the cottage industry. According to estimates, there are approximately 2.5 lakh ghanis and kolus which are animal operated oil expellers, 50,000 mechanical oil expellers, 15,500 oil mills, 725 solvent extraction plants, 300 oil refineries and over 175 hydrogenated vegetable oil plants.
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Food Processing Units in Organized Sector (numbers)
Source: Ministry of Food Processing Industries
Pulses occupy important place in the world food and nutrition economy. Pulses are an important constituent in the diet, and are primary sources of protein. They also provide substantial quantity of minerals and vitamins to the diet. Wheat is the staple food of Northern India and is commonly used all over the country in the form of its by-products. Numerous type of qualities of wheat products and by-products of wheat like wheat flour, suji, maida & dalia etc. are produced by the wheat flour and processing mills. The wheat flour is used in domestic purposes for making chapatti. Wheat in combination of maida is used for making bread, biscuit etc.
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CHAPTER-IX
1) Area Wise Share in Production of Gram/ Wheat

The Gram production in India increased from 6.33 Million Tons in 2006-07 to 8.25 Million Tons in 2010-11. Similarly, wheat production in India increased manifold from 75.81 Million Tons in 2006-07 to 81.16 in 2010-11.The figures of average cultivation area, production and yield of Pulse, Wheat in the country over last few years are given below:-
Area, Production & Yield Of Gram/Wheat In India

Year Area (Million Hect.) Pulse(Gram) Prodn (Million Tonnes) Yield (Kg/ Hec) Area (Million Hect.) Wheat Prodn (Million Tonnes) 75.81 78.57 80.68 80.71 81.16 Yield (Kg/ Hec.)
2006-07 7.49 2007-08 7.54 2008-09 7.89 2009-10 8.21 2010-11 8.48 Source: Agricultural Statistics
6.33 845 27.99 5.75 762 28.04 7.06 895 27.75 7.35 895 28.52 28.87 8.25 915 Ministry of Agriculture, Govt. of India
2708 2802 2907 2830 2843
2) State Wise Share In Production Of Gram /W heat

In the country, major share in Pulse Production is by the state of U.P. (20.3%) & M.P. (19.5%) followed by Maharashtra (15.4%), Karnataka (9.1%) & Andhra Pradesh (8.1%). The northern states of Punjab, Himachal, J & K, Uttaranchal as well as North Eastern States & Kerala do not produce pulses in significant quantities.Maximum share in wheat production is by UP (36.3%) followed by Punjab (22.6%) and th Haryana (14%) and the rest 1/4 share is by all other states. The figures of average cultivation area, production and yield of Pulse, Wheat in the country over last few years are given below:-
State Wise Producti on Of Pulse/W heat State Pulse(Gram) Producti on % of total (Mi llion production Tonnes) 2.17 2.08 1.64 0.97 0.86 0.07 0.23 20.34 19.49 15.37 9.09 8.06 0.66 2.16 Wheat % of total Prod n.
Productio n (Million Tonne s) 24.94 3.89 0.95 0.24 9.65 15.55 0.14
Uttar Pradesh Madhya Pradesh Maharashtra Karnataka Andhra Pradesh Haryana Punjab Others
36.27 5.66 1.38 0.35 14.03 22.61 0.20
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3) INVENTORIZATION OF PULSE/WHEAT/RICE MILLS IN INDIA

In all the information is available for 27 states; for some states only partial information covering part of the state is available. Regarding pulse mills, based on the information available from 15 states, the number of pulse mills are 1220. As regards to the rice mills, based on information available from 16 states, the number of rice mills is 5780. For the Wheat flour/processing mills the information (though partial) has been received from 27 states, as per which there are 867 mills. (The above mentioned numbers are based on the partial information received from various states and subject to change.).The state-wise inventorisation of the pulse/wheat/rice mills in the country is given below:-
In vente rization Of Gram/Wh eat/Rice Mills In Ind ia Number of Mills WHEAT 58 40 58 0 48 18 2 13 47 15 19 9 60 32 44 65 1 81 4 22 99 10 3 62 2 6 49
State Andhra Pradesh Assam Bihar Chhattisgarh Punjab Delhi Goa Gujarat Haryana Himachal Pradesh Jammu & Kashmir Jharkhand Karnataka Kerala Madhya Pradesh Maharashtra Manipur Meghalaya Nagaland Orissa Pondicherry Rajasthan Sikkim Tamilnadu Tripura Uttar Pradesh West Bengal
GRAM 51 NA 0 125 1 76 NA 24 NA NA NA 12 104 1 549 NA NA 6 NA 1 14 NA NA 247 NA 9 NA
RICE 257 NA 16 373 8 0 NA 20 3,065 NA NA 17 668 103 360 NA NA 96 NA 214 61 NA NA 516 NA 6 NA
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CHAPTER-X
1) Past Supply and Present Demand

The demand for wheat & Gram flour is met through both local production and imports. The apparent consumption of flour, comprising both domestic production and import is shown in below:APPARENT CONSUMPTION OF WHEAT & GRAM FLOUR IN (TONNES) Year 2008 2009 2010 2011 Domestic Production 259131 275791 294163 343846 Import 51100 51258 41050 20985 Total 310231 327049 335213 364831
2) Projected Demand
The demand for wheat & gram flour is mainly determined by the growth rate of population which is 1.33 billion at present and the per capita consumption of flour. Increased application of wheat & gram flour for industrially processing of food products such as pasta and macaroni would also have great bearing of future flour demand. In view of the likely change in these determining variables, an 8% annual growth in demand is considered to be reasonable rate to project future demand. PROJECTED DEMAND FOR WHEAT & GRAM FLOUR IN (TONNES) Year 2012 2013 2014 2015 2016 2017 2018 2019 2020 Projected Demand 386,017 408,898 433,610 460,299 489,123 520,253 553,873 590,183 579,397 Existing Capacity 194786 194786 194786 194786 194786 194786 194786 194786 194786 Un Satisfied Demand 191,231 214,112 238,824 265,513 294,337 325,467 359,087 395,397 434,611
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3) Exporting of Products
Exporting of Milled Products:Indian milled products include the products like Wheat/Meslin Flour, Corn Flour, Rya Flour, Maize (corn) Flour, Rice Flour, Cereal Flour other than of Wheat (Meslin, Rye, Maize, Rice), Groats of Wheat, Meal of Wheat, Pellets of wheat etc. India Export of Agro Food Products Product Group Report/Country Wise 2008-2009 Country UNITED STATES UNITED ARAB EMIRATES NEPAL AUSTRALIA UNITED KINGDOM SINGAPORE OMAN SAUDI ARABIA CANADA VIETNAM SOCIAL REPUBLIC QATAR KUWAIT SRI LANKA MALAYSIA NEW ZEALAND THAILAND HONG KONG BAHRAIN SOMALIA BRUNEI NIGERIA SOUTH AFRICA MALDIVES GERMANY JAPAN UNSPECIFIED NETHERLAND Qty 9,073.35 5,218.48 322.39 1,424.56 3,448.55 712.45 697.52 1,778.65 1,869.65 245.00 1,444.65 1,050.29 191.32 600.27 594.09 1.50 244.55 675.26 0.00 14.21 0.00 135.19 8,176.21 41.57 33.58 22.00 17.57 Value 1,845.10 1,103.47 46.28 278.92 905.21 122.03 178.63 319.92 374.59 23.75 310.02 294.48 27.04 116.68 106.11 0.32 41.41 123.38 0.00 1.10 0.00 18.11 1,379.95 6.34 12.36 3.39 9.61 2009-2010 Qty in Mt Qty 16,892.12 6,865.59 196.90 5,628.38 5,469.60 2,057.17 1,158.06 2,268.30 1,889.57 0.49 1,585.36 918.54 1,156.85 510.69 1,172.95 163.72 514.29 661.83 0.00 197.89 192.64 289.56 1,898.98 224.89 188.48 190.28 142.91 Value in Rs. Lacs Value 3,751.29 1,791.38 28.95 1,256.85 1,212.77 463.04 292.99 496.88 383.68 0.04 449.16 278.32 147.81 113.75 250.82 36.71 85.91 142.06 0.00 47.90 30.28 53.72 364.82 45.82 36.05 35.03 23.42 Qty 19,297.54 9,550.45 8,147.47 5,602.13 5,557.26 2,823.88 3,000.94 2,064.01 2,086.42 2,588.00 1,085.95 1,232.95 1,466.46 1,093.63 1,122.00 1,250.22 818.02 519.05 550.00 310.76 408.44 291.16 214.71 243.37 190.80 197.57 181.17 Value 4,293.26 2,468.37 1,668.15 1,235.46 946.03 660.27 615.29 460.19 445.47 400.92 335.09 305.54 284.92 253.18 234.67 212.69 160.55 122.77 97.33 81.20 80.11 64.80 55.15 53.74 52.31 47.55 43.49 2010-2011
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NORWAY MADAGASCAR PHILIPPINES ANGOLA YEMEN REPUBLC MAURITIUS SPAIN SWEDEN SEYCHELLES KENYA GHANA EGYPT ARAB REPUBLIC PAKISTAN IRELAND KOREA REPUBLIC SWITZERLAND UGANDA LEBANON TONGA ITALY FINLAND INDONESIA MACAO LIBERIA BELGIUM AFGHANISTAN ISRAEL JORDAN NETHERLANDANT IL MOZAMBIQUE BOTSWANA TOGO TANZANIA REPUBLIC DENMARK POLAND CHINA P RP GAMBIA GREECE TAIWAN BENIN BRAZIL
153.24 0.33 35.72 0.00 3.31 41.31 0.00 72.62 22.33 27.35 0.30 83.14 0.00 123.28 907.00 284.47 31.75 0.00 0.00 13.77 0.00 0.00 11.42 1.00 46.10 0.00 221.00 0.00 19.92 0.00 31.82 2.25 0.03 0.00 0.00 3.15 0.10 27.08 4.00 0.00 0.00
23.99 0.04 11.95 0.00 0.87 9.04 0.00 11.41 3.77 3.53 0.05 12.77 0.00 26.44 109.80 66.78 5.16 0.00 0.00 1.73 0.00 0.00 2.81 0.12 4.71 0.00 35.92 0.00 1.94 0.00 4.36 0.42 0.00 0.00 0.00 0.76 0.02 4.10 0.96 0.00 0.00
199.18 0.00 59.84 0.00 131.70 58.44 22.00 73.11 138.56 1,152.78 43.37 370.08 117.60 127.74 17.52 163.41 23.20 0.84 89.58 0.10 0.00 24.00 33.00 16.66 117.20 0.00 0.00 147.68 19.57 3,872.74 40.69 4.08 8.37 44.37 4.95 44.31 15.97 28.45 0.00 37.41 24.50
34.35 0.00 11.40 0.00 27.02 10.44 6.08 15.77 28.83 153.02 3.90 67.35 13.31 22.70 5.26 37.18 3.64 0.51 14.05 0.02 0.00 6.13 6.45 0.87 27.36 0.00 0.00 23.03 2.05 716.93 8.82 0.81 2.26 11.83 1.12 11.02 1.98 3.49 0.00 5.57 4.88
153.76 164.00 164.00 260.70 89.48 103.81 80.51 78.21 54.87 103.83 61.83 105.77 107.80 96.39 44.12 75.18 47.83 47.73 42.00 17.43 35.75 26.00 38.85 33.89 29.99 31.00 15.64 60.26 25.31 25.70 22.35 30.07 45.27 34.45 19.42 17.20 25.21 15.52 18.76 5.70 3.00
35.82 31.74 30.63 28.72 23.22 22.86 21.80 15.54 14.78 14.10 13.16 12.92 12.33 11.81 11.42 10.70 9.88 8.70 8.04 7.73 7.65 7.25 6.83 6.67 6.55 6.40 6.32 6.08 5.57 5.48 5.45 4.91 4.71 4.53 4.31 3.80 3.54 3.07 2.81 1.67 0.99
24
GUINEA COTE D IVOIRE LITHUANIA MALAWI SIERRA LEONE GUYANA SUDAN FRANCE SWAZILAND SLOVAK REPUBLIC ZAMBIA CHILE REUNION ST. KITTS NEVIS TRINIDAD CYPRUS IRAN IRAQ JAMAICA MEXICO CONGO P REPUBLIC LUXEMBOURG PORTUGAL SENEGAL UZBEKISTAN COMOROS SYRIA BELARUS KOREA D P REPUBLIC KAZAKHSTAN BHUTAN RUSSIA ALGERIA AUSTRIA BANGLADESH PARAGUAY
0.00 4.00 0.00 0.00 0.00 0.00 0.00 10.51 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.50 0.00 0.00 0.00 1.25 0.02 0.00 0.00 0.04 0.02 24.19 0.00 320.00 0.05 0.00 9.28 0.00 0.00 480.00 0.00
0.00 0.48 0.00 0.00 0.00 0.00 0.00 1.81 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.69 0.00 0.00 0.00 1.56 0.00 0.00 0.00 0.01 0.00 7.25 0.00 45.93 0.01 0.00 0.51 0.00 0.00 82.89 0.00 8,133.79
0.00 1.10 0.00 332.08 0.00 0.00 59.23 44.34 0.00 0.00 2.62 2.46 3.22 0.00 0.03 0.00 0.00 18.00 2.00 0.24 3.50 0.00 0.00 4.00 0.00 0.00 0.00 0.00 0.00 6.05 45.00 0.00 44.00 7.10 0.00 0.12 60,284.13
0.00 0.28 0.00 62.16 0.00 0.00 12.36 10.31 0.00 0.00 0.48 0.64 0.36 0.00 0.01 0.00 0.00 4.65 0.36 0.11 1.06 0.00 0.00 0.28 0.00 0.00 0.00 0.00 0.00 0.93 6.48 0.00 7.86 0.96 0.00 0.02 13,218.19
1.91 3.47 1.92 1.50 1.70 2.52 0.27 1.60 1.60 1.30 0.55 1.05 0.62 0.42 0.28 0.17 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 74,373.93
0.65 0.51 0.49 0.45 0.39 0.37 0.36 0.30 0.25 0.22 0.22 0.18 0.15 0.14 0.13 0.07 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 16,133.87
Total 41,053.51 Source: DGCIS Annual Export
Exporting of Pulses:India Export of Agro Food Products Product Group Report/Country Wise
25
2008-2009
2009-2010
2010-2011
26
Qty in Mt Country PAKISTAN ALGERIA TURKEY SRI LANKA UNITED ARAB EMIRATES TUNISIA SAUDI ARABIA EGYPT ARAB REPUBLIC PORTUGAL KUWAIT JORDAN IRAQ SPAIN MALAYSIA IRAN FRANCE OMAN BAHRAIN ITALY UNITED STATES LEBANON UNITED KINGDOM SINGAPORE TRINIDAD ISRAEL UNSPECIFIED PHILIPPINES SOUTH AFRICA QATAR YEMEN REPUBLC GEORGIA LIBYA THAILAND GERMANY NEPAL BELGIUM AUSTRALIA CANADA CHINA P RP GUYANA Qty 16,102.00 10,125.50 10,149.32 17,780.29 7,233.00 8,275.49 8,512.00 3,612.00 2,492.51 1,835.00 696.00 600.00 1,753.33 336.00 751.50 872.93 1,160.91 366.83 2,192.61 1,853.00 798.90 748.72 554.00 27.79 240.00 288.11 26.56 349.96 516.00 0.00 2,623.00 171.25 67.16 315.42 350.24 45.77 206.02 51.49 0.00 Value 6,640.01 4,247.61 4,395.32 7,361.78 3,200.36 3,208.23 3,368.18 1,330.33 1,046.81 704.07 317.32 252.75 735.54 167.98 324.73 361.94 456.67 129.60 1,041.44 705.43 372.98 257.52 241.65 5.72 118.77 125.85 6.74 120.65 167.95 0.00 1,056.32 70.93 27.97 106.21 143.83 13.59 84.90 18.61 0.00 Qty 25,829.00 11,563.00 10,463.73 13,025.95 8,790.41 3,360.00 4,465.32 5,307.56 1,728.00 2,482.27 1,648.14 579.00 588.00 1,526.77 480.00 1,033.79 719.49 699.97 384.00 934.38 985.00 252.88 282.55 404.00 30.38 311.61 72.00 150.61 242.12 335.00 0.00 497.00 42.40 10.31 175.90 121.75 48.08 165.43 2.00 0.00 31,918.60 10,947.73
Value in Rs. Lacs Value 9,235.12 4,929.71 4,405.23 5,890.50 3,624.07 1,464.16 1,877.78 1,984.84 710.36 1,071.89 730.37 271.04 230.83 659.42 200.27 418.29 306.80 296.96 144.93 497.20 405.77 111.40 109.46 180.16 13.53 129.69 31.10 64.14 101.22 146.60 0.00 203.84 20.19 1.15 48.01 48.48 22.02 74.56 1.12 0.00 Qty 73,488.22 24,466.00 22,688.52 17,487.21 14,825.20 8,066.60 7,677.55 7,298.56 4,196.65 3,910.58 2,813.89 2,695.45 2,548.49 1,819.24 1,462.00 1,184.25 1,104.88 851.90 636.84 645.64 647.38 540.16 649.79 543.44 348.00 405.00 239.20 188.94 217.57 207.92 156.10 291.00 151.63 134.00 132.64 97.72 95.95 106.66 67.00 72.00 Value 27,169.95 11,103.59 10,002.99 8,048.22 6,553.75 3,459.16 3,244.21 2,942.75 1,756.15 1,656.19 1,302.41 1,175.43 1,139.77 830.63 657.32 502.49 461.57 352.03 292.53 272.65 269.78 248.81 244.47 236.89 141.70 140.06 112.93 95.72 91.03 80.49 79.11 77.79 62.26 61.83 61.57 44.51 42.87 39.80 31.79 31.03
27
JAPAN KOREA REPUBLIC TAIWAN HONG KONG BRAZIL CROATIA MALDIVES GREECE SURINAME BRUNEI FIJI ISLANDS MAURITIUS INDONESIA NEW ZEALAND FINLAND VIETNAM SOCIAL REPUBLIC NORWAY MACAO MALTA POLAND SWITZERLAND KENYA UGANDA SEYCHELLES TANZANIA REPUBLIC NIGERIA NETHERLAND CYPRUS ZAMBIA BENIN BOTSWANA TOGO GAMBIA NETHERLANDANTIL SUDAN GHANA DENMARK MALAWI REUNION IRELAND BANGLADESH SYRIA
61.24 34.02 96.00 85.21 0.00 0.00 26.87 106.00 0.00 68.49 22.84 42.00 0.00 59.83 0.00 0.00 3.45 0.00 0.00 0.00 7.15 11.48 0.00 0.00 0.00 20.57 12.83 22.00 0.00 18.53 2.60 0.00 0.80 0.03 0.00 0.00 0.00 0.10 0.00 0.00 0.00 120.00
16.15 15.26 40.66 35.71 0.00 0.00 10.89 48.14 0.00 30.78 10.34 15.11 0.00 22.14 0.00 0.00 2.26 0.00 0.00 0.00 4.19 3.12 0.00 0.00 0.00 6.95 3.58 9.66 0.00 4.84 0.99 0.00 0.20 0.01 0.00 0.00 0.00 0.03 0.00 0.00 0.00 45.25
57.17 24.00 0.00 68.92 0.00 0.00 48.23 20.00 0.00 5.55 9.00 12.10 0.00 4.25 0.00 0.39 0.00 0.00 0.00 0.50 8.99 10.15 0.10 1.83 4.56 4.00 5.51 43.00 0.58 21.88 6.88 0.00 0.06 0.19 0.00 0.00 4.50 0.00 0.31 1.07 9.48 0.00
24.46 8.33 0.00 29.75 0.00 0.00 24.85 10.14 0.00 3.29 3.50 5.38 0.00 2.71 0.00 0.27 0.00 0.00 0.00 0.28 2.14 2.20 0.05 1.22 1.95 0.80 1.15 17.24 0.21 6.57 0.90 0.00 0.06 0.08 0.00 0.00 2.81 0.00 0.12 0.38 9.64 0.00
86.56 48.00 31.80 67.28 14.00 41.75 63.86 24.00 24.57 15.71 34.29 16.00 14.00 31.64 35.27 38.22 12.28 13.69 8.80 5.00 11.11 3.81 3.51 4.89 1.80 2.46 0.87 0.90 1.00 2.00 0.50 0.30 0.40 0.21 0.46 0.10 0.08 0.07 0.00 0.00 0.01 0.00
24.79 16.03 15.16 13.15 11.63 11.04 10.91 10.49 9.17 8.66 8.35 7.47 6.61 6.61 5.54 4.21 3.76 2.96 2.65 2.50 2.24 2.03 1.53 1.03 0.79 0.75 0.66 0.36 0.29 0.25 0.23 0.15 0.14 0.12 0.11 0.06 0.04 0.04 0.00 0.00 0.00 0.00
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PAPUA N GNA GUINEA SWEDEN RUSSIA BHUTAN CONGO P REPUBLIC SENEGAL MOZAMBIQUE LIBERIA ZIMBABWE
0.10 1.06 0.11 0.48 0.00 0.00 4.70 2.00 50.40 0.00
0.38 0.60 0.02 0.12 0.00 0.00 0.98 0.40 19.70 0.00
0.00 0.00 0.00 0.00 15.00 0.05 0.00 0.34 0.70 3.90
0.00 0.00 0.00 0.00 7.83 0.03 0.00 0.24 0.25 1.49
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2,05,820.97
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 85,310.74
Total 1,36,880.10 54,232.48 Source: DGCIS Annual Export Export of By-Product:-
1,00,130.99 40,832.53
India is currently self-sufficient in livestock feeds and does not depend on imports. Instead, the country exports large quantities of solvent extracted meals, which are a major source of foreign exchange earning. By-products are very nutritious and palatable to cattle, and these products form the bulk of cattle feed. They include wheat bran, rice bran and oil-extracted rice bran, tapioca, guar meal, safflower meal, maize gluten and molasses. A special mention should be made of Indian cattle feed's unique use of hulls or shells, popularly known as chunis in the local language. These shells come from pulses: horse gram, black gram, mung bean and pigeon pea.
4) Export Promotion: Food processing industry is one of the growing areas identified for exports. Free Trade Zones (FTZ) and Export Processing Zones (EPZ) have been set up with all infrastructures. Also, setting up of 100% Export oriented units (EOU) is encouraged in other areas. They may import free of duty all types of goods, including capital foods.
Capital goods, including spares up to 20% of the CIF value of the Capital goods may be imported at a concessional rate of Customs duty subject to certain export obligations under the EPCG scheme, Export Promotion Capital Goods. Export linked duty free imports are also allowed. Units in EPZ/FTZ and 100% Export oriented units can retain 50% of foreign exchange receipts in foreign currency accounts.
AVAILABILITY & MARKETING OF MAMTA FOOD PRODUCTS:1) Availability of Raw-Material
Wheat:- The wheat is available in an around Indore in MP as well as at Devas & DharDist. Mandi &
also the wheat in good quality can be purchased from various locations in the state of Gujarat, Raj & Punjab. The wheat as a raw-material will be procured from various local market/ mandis from above mentioned locations. The same will be delivered to the manufacturing site through commercial vehicles like trucks & containers. Chana :- The source of supply of chana will be imported from Australia or Ghana. The same can be procured from local markets from the state of Gujarat, Harayana, Maharashtra & part of MP from various locations. The quality of imported chana is far better than the quality available at local market. Due to location advantage of our manufacturing site import of chana from Australia & other countries is more feasible because we can utilize JNPT as well as Mumbai port trust facility for sale. They are just 30-50 km away from our manufacturing locations.
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2) Marketing of Products:
o Chakki Fresh Aata:- The resource for marketing of a product will be very huge & it is multi locational. The prime market for our product will be APMC market at Vashi Navi-Mumbai where per day turnover is around 5000-6000 kg per day ( it means450 to 500 truck load per day) Apart from this at local level the market close to our plant will be Kalyan, Dombivili, Ulhas Nagar etc. Our product will be consumed at various locations such as Pimpari Chinchade, Pune, Goa, Banglore & various Tier-II cities in South as well as Western Part of the countries. Due to expansion of IT sector at Banglore, Chennai & other locations of South India the local people has also started eating chapattis in the main course of their lunch & dinners. Earlier in South India people are consuming rice & occasionally on the day of festival they consumed the wheat products such as atta & maida. For our product there will be a vast scope for export to various locations particularly in Middle-East countries, South Africa part of Western African Countries etc. Our product can be export to Wartone Countries like Afghanistan, Iran etc. where local traders paid in advance to buy the product. o Bran:- This is the by-product of wheat flour which is merely 7-8% of the main product. The bran mostly purchased by the manufacturer of Cattle Feed products such as Godrej & other local manufacturer in the country. They will pay reasonably good rate in procuring. o Besan:- The consumption of besan & its related products is very huge in India. Out of our daily food stock average Indian spend near about 10-15% on besan or the product manufacture from besan. The daily requirement at APMC & others market is near about 600-700 MT per day & same will be fulfilled by local manufacturer. o Chuni:- This can be consumed by local manufacturer who have huge capital to manufacture cattle feed products to our livestocks.
CHAPTER-XI
Strengths

Abundant availability of raw material Priority sector status for agro-processing given by the central Government Vast network of manufacturing facilities all over the country Vast domestic market
Weaknesses

Low availability of adequate infrastructural facilities Lack of adequate quality control and testing methods as per international standards Inefficient supply chain due to a large number of intermediaries High requirement of working capital. Inadequately developed linkages between R&D labs and industry. Seasonality of raw material
Opportunities

Large crop and material base offering a vast potential for agro processing activities Setting of SEZ/AEZ and food parks for providing added incentive to develop greenfield projects
30
Rising income levels and changing consumption patterns Favourable demographic profile and changing lifestyles Integration of development in contemporary technologies such as electronics, material science, bio-technology etc. offer vast scope for rapid improvement and progress Opening of global markets
Threats

Affordability and cultural preferences of fresh food High inventory carrying cost High taxation High packaging cost
CHAPTER-XII
In India following Quality control standards are made for food processing industries in order to maintain & control malnutrition in the country, so that people could get quality food not only in India but also in abroad.
1)BUREAU OF INDIAN STANDARDS : FOOD SAFETY MANAGEMENT SYSTEMS CERTIFICATION SCHEME

International Organization for Standardization (ISO) has published ISO 22000:2005 - Food Safety Management Systems Requirements for any Organization in the Food Chain, with a view to provide framework for internationally harmonized requirements for systematically managing safety in food supply chains. Consequent to publication of ISO 22000 on BIS has adopted this International Standard as IS/ISO 22000:2005. This standard integrates the principles of Hazard Analysis and Critical Control Point (HACCP) system developed by Codex Alimentarius Commission and combines the HACCP plan with Prerequisite Programmes (PRPs) and is fully compatible with Quality Management Systems (QMS) as per ISO 9001: 2000. BIS has launched Food Safety Management Systems (FSMS) Certification IS/ISO 22000:2005 scheme which envisages grant of FSMS Certification license to organizations according to IS/ISO 22000.
2) AGMARK : Agricultural Produce (Grading and Marketing) Act, 1937 (Agmark):

The Directorate of Marketing and Inspection enforces the Agricultural Produce (Grading and Marketing) Act, 1937. Under this Act Grade standards are prescribed for agricultural and allied commodities.
3)HAZARD ANALYSIS CRITICAL CONTROL POINT (HACCP)

Hazard Analysis and Critical Control Point (HACCP) is a process control system designed to identify and prevent microbial and other hazards in food production. It includes steps designed to prevent problems before they occur and to correct deviations as soon as they are detected. Such preventive control system with documentation and verification are widely recognized by scientific authorities and international organizations as the most effective approach available for producing safe food. HACCP involves a system approach to identification of hazard, assessment of chances of occurrence of hazards during each phase, raw material procurement, manufacturing, distribution, usage of food products, and in defining the measures for hazard control. In doing so, the many drawbacks prevalent in the inspection approach are provided and HACCP overcomes shortcomings of reliance only on microbial testing. HACCP enables the producers, processors, distributors, exporters, etc, of food products to utilize technical resources efficiently and in a cost effective manner in assuring food
31
safety. Food inspection too would be more systematic and therefore hassle-free. It would no doubt involve deployment of some additional finances initially but this would be more than compensated in the long run through consistently better quality and hence better prices and returns. BIS offers two Certification schemes to the food industry. i) HACCP Stand-alone Certification against IS 15000:1998 ii) HACCP based Quality System Certification It provides for two Certification through one audit Certification of Quality System against IS/ISO 9000 and Certification of HACCP against IS 15000:1998
4)ISO-9000 (International Organization for Standardization):

Implementation of the ISO standards enables export enterprises in developing countries to offer products or services that meet well-defined needs, satisfy consumer expectations, comply with applicable standards and specifications, as well as conform to requirements in regard to health & safety, protection of the environment and conservation of energy and materials: all these at lower costs and higher levels of efficiency.
5)Application of ISO 9000 in the Fruit & Vegetable Processing Industry:

ISO 9000 series of standards are generic standards and are applicable equally both to manufacturing as well as to service industries. Under individual circumstances these need to be tailored to meet the requirements specific to each industry. The fruit and vegetable processing industry has its own special features such as variable quality of raw material due to its agricultural origin, limited shelf life of both raw materials and final product, importance of packing and storage to maintain the products safe for human consumption, need to maintain proper hygienic conditions during manufacture, storage and distribution as these products are often liable to microbial contamination and toxin development, importance of safety as these products tend to get contaminated with metallic impurities and pesticides. In addition, food additives are added to enhance appeal and shelf life and if these are not added judiciously or controlled, these may prove to be harmful. These special features need to be given due consideration while orienting ISO 9000 to this industry. The main stages in the fruits and vegetable processing industry and related elements of ISO 9001 as applicable are given below.
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CHAPTER-XIII
KEY PLAYERS WHEAT FLOUR Companies Annapurna Fortified Atta Description Launched nationally in 1998, Annapurna Atta was aimed at helping the homemaker to provide wholesome tasty nutrition to her family. After its successful launch, in a pursuit to stay ahead and cater to the changing mindsets of the Indian consumer, Annapurna Atta was fortified with extra iron and vitamins, which are essential for children during their formative years. It was awarded the prestigious 'Awaaz Consumer Award' for the most preferred brand of atta for two successive years in 2006 and 2007. Godrej Pillsbury's Pillsbury Chakki Fresh atta has come up with a `Pillsbury Nutri-Soft Chakki Fresh atta' - which the company claims is enriched with vitamins and iron. Pillsbury Nutri-Soft has been launched in the South. Available in pack sizes of 1 kg and 5 kg, Pillsbury NutriSoft Chakki Fresh atta is priced at Rs 21 and Rs 102, respectively. The Pillsbury brand commands a slight premium to competing brand Annapurna Fortified atta which is priced at Rs 90 for 5 kg. It is a cleaned and refined atta which is free of any kind of worms which forms due to old stock of the atta. The packing of this atta is also done very neatly. The main point to be noted about this product is that the cost of the Aro fresh chakki atta is very low compared to any other branded attas that are kept of sale. And even the quality of the chapathi that prepared using this atta is very good and very soft. From the stable of Indias most trusted Atta brand comes a new and improved variety Aashirvaad Atta with Multigrains. This all-new variant is designed to provide nourishment for people of all ages and is an integrated mix of six different grains wheat, soya, channa, oat, maize & psyllium husk which gives a better and healthier option for the consumers. Aashirvaad Atta with Multigrains is an excellent source of vitamins which is vital in strengthening immunity and ;extra protein content to improve body strength. The extra fibre makes your food easier to digest; low content of saturated fat keeps your heart smiling all through the day and above all, still retaining the same great taste!! GRAM FLOUR 33
Godrej Pillsbury
Aro Fresh Chakki Fresh Atta
Aashirvaad Aatta
Rajdhani
Sanghvi Group
Marudhar Foods Pvt. Ltd.
The chana, used to manufacture Chana Dal and then Besan, is procured from the best of places in the world. Strict quality control standards are laid down for procurement of chana for which the responsibility rests on the shoulders of experienced personnel. As a result, clean chana dal is obtained with a gold-like sparkle, which is then grounded using the pulverizers. The chana dal not sent for grinding is further graded according to color to eliminate the green grains. Sortex, the most high tech machine man has ever made is used to make the dal actually pure. This Chana dal is then packed in an attractive consumer pack using automatic FFS machines. The products manufactured by us include all the types and range of food products that are produced as a result of mining of gram which are collected from various parts of India for providing the best quality of products ensuring their purity and edibility. The product range which is delivered by us has undergone rigorous and continuous process to make them what our customers demand for. Established in 1980, the Company is among top five manufacturing facility in Rajasthan. Headed by Mr. Sunil Jain and Sanjay Jain the Company is into manufacturing of Gram dall, Gram flour and Peas flour. In 2007 the Company went into expansion mode and at present the Company has a production capacity to produce more than 8,000 tonnes of grams dall and more than 20,000 tonnes and 10,000 tonnes of gram flour and peas flour respectively. The Company 's policy is to find the low competitive potential markets in order to operate with full efficiency. The Company believes in building long lasting relationship with its clients by outperforming in its product performance and delivering world class services.
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CHAPTER-XIV
14.1 TOTAL CREDIT EXPOSURE TO THE FIRM (Amount in Lacs) Sr. No. Particulars Existing Proposed Enhancement Total with with Bank Of India proposed bank 0.00 0.00 0.00 0.00 0.00 0.00 +70.00 +565.00 +635.00 0.00 0.00 +635.00 70.00 565.00 635.00 0.00 0.00 635.00
A. FUND BASE LIMIT 1 2 Cash Credit Term Loan
Total (A) B. NON FUND BASE LIMIT 3 Letter Of Credit Total (B) Total (A+B)
14.2 MEANS OF FINANCE FOR TERM LOAN (Amount In lacs) Cost Of Project Land Factory Building Plant & Machinery & Utilities Electrical / Power set-up Delivery Vehicles Total Continengencies - 5% Interest Expenses Pre Operative Exp Working Capital Margin TOTAL Means Of Finance 182.00 Promoters Contribution 125.75 Proposed Bank Term Loan 188.00 60.00 12.00 567.75 28.39 55.63 69.93 35.76 757.46 TOTAL 192.46 565.00
757.46
35
14.3 DETAILS OF PLANT & MACHINERY & UTILITIES, ELECTRICAL SET-UP, CIVIL CONSTRUCTION
(a) DETAILS OF WHEAT CLEANING SECTION & CHAKKI ATTA PLANT S. No. 1 2 3 4 5 6 7 8 9 10 12 13 14 15 16 17 18 19 20 21 Particulars Elevator 20 Feet Long Motor, Drive Pulleys, V-Belts & Motor Mounting System Warum 32 feet Long Warum 16 Feet Long Motor, Drive Pulleys, V-Belts & Motor Mounting System SILO SILO 4 Compartment Drum Sieve 1 Compartment Drum Sieve Blow Fan Roll ( Model 1433) Destoner Model B Gravity Separator Pinmill Horizontal Chakki Centrifugal Flour Filter 5 H.P. Pneumatic Dust Proofing System 10 H.P. Pneumatic Flour Conveying System 5 H.P. Pnemuatic Bran Conveying System Installation Cost Total Rs. Qty. 6 Rate 1600/Feet Amount 192000.00 48000.00 115200.00 57600.00 48000.00 Taxes Duties 24000.00 6000.00 14400.00 7200.00 6000.00 Total 216000.00 54000.00 129600.00 64800.00 54000.00 495000.00 731250.00 151875.00 39375.00 78750.00 112500.00 123750.00 180000.00 337500.00 1485000.00 759375.00 196875.00 742500.00 135000.00 303750.00 6390900.00
6 8000/Elevator 3 3 6 4 10 1 1 2 1 1 1 2 12 3 1 3 1 1200/Feet 1200/Feet 8000/Warum
110000 440000.00 55000.00 65000 650000.00 81250.00 135000 135000.00 16875.00 35000 35000.00 4375.00 35000 70000.00 8750.00 100000 100000.00 12500.00 110000 110000.00 13750.00 160000 160000.00 20000.00 150000 300000.00 37500.00 110000 1320000.00 165000.00 225000 675000.00 84375.00 175000 220000 120000 270000 175000.00 660000.00 120000.00 270000.00 5680800.00 21875.00 82500.00 15000.00 33750.00 710100.00
36
(b) DETAILS OF FULLY AUTOMATIC CHANA DAL WITH BESAN PLANT S. No. 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 Particulars 4 Compartment Drum Sieve 3 Compartment Drum Sieve 2 Compartment Drum Sieve Roll ( Model 1433) Destoner Gravity Separator Vertical 18" Chakki Blow Fan Elevator 20 Feet Long Motor, Drive Pulleys, V-Belts & Motor Mounting System Warum 15 feet Long Motor, Drive Pulleys, V-Belts & Motor Mounting System SILO SILO SILO Taiko Pulverizer Micro Pulverizer Centrifugal Besan Filter 10 H.P. Pneumatic Besan Conveying System 7.50 H.P. Pneumatic Besan Conveying System 10 H.P. Pneumatic Conveying System for Chuni 2 H.P. Pneumatic Dust Proofing System Platform for Dal Section Platform for Besan Section Installation Cost Total Rs. Qty. 2 1 1 2 1 1 4 8 17 17 8 8 2 6 2 1 1 3 1 1 1 1 1 1 Rate 135000 105000 60000 105000 110000 160000 50000 30000 1600/Feet 8000/Elevator 1200/Feet 8000/Warum 110000 60000 30000 700000 200000 300000 160000 160000 280000 60000 300000 200000 292000 Amount 270,000.00 105,000.00 60,000.00 210,000.00 110,000.00 160,000.00 200,000.00 240,000.00 544,000.00 136,000.00 144,200.00 64,000.00 220,000.00 360,000.00 60,000.00 700,000.00 200,000.00 900,000.00 160,000.00 160,000.00 280,000.00 60,000.00 300,000.00 200,000.00 292000.00 5,843,200.0 0 Taxes Duties 33750.00 13125.00 7500.00 26250.00 13750.00 20000.00 25000.00 30000.00 68000.00 17000.00 18025.00 8000.00 27500.00 45000.00 7500.00 87500.00 25000.00 112500.00 20000.00 20000.00 35000.00 7500.00 37500.00 25000.00 36500.00 766,900.0 0 Total 303750.00 118125.00 67500.00 236250.00 123750.00 180000.00 225000.00 270000.00 612000.00 153000.00 162225.00 72000.00 247500.00 405000.00 67500.00 787500.00 225000.00 1012500.00 180000.00 180000.00 315000.00 67500.00 337500.00 225000.00 328500.00 6,902,100.00
37
c) DETAILS OF ELECTRICAL NETWORK AND GENERATOR S. No. 1 2 3 4 5 6 7 8 Particulars Supply of 22 KV Indoor Type Isolator Panel Pune Switch gear Supply of 22 KV GOD, DO, set Supply of 22LA set with fabrication Supply of HT Substation earthing with 25 * 3 mm GI strip, cast iron hinged cover, GI nut bolts, salt & charcoal etc. for the substation. Supply of 630 KVA, 22/0.433 KV D Distribution Transformer (T/F) Supply of 'HUPEN' make 22 KV H.T. Outdoor type metering KIOSK Supply of 22KV, 3C* 95 sq.mm. Al. Arm. HT XPLE cable.( Make: Polycab) Round Arm Supply of 22KV, 3C* 95 sq.mm. Al. Arm. HT XPLE cable End Termination:a) Indoor Type b) Outdoor Type 9 10 11 12 13 14 15 16 Supply of G.I. nut & bolts of various sizes Supply of 800 Amp ACB Panel with 800 Amp bus bar. Phase Inductor, Volt Meter etc. Supply of 1C * 400 Sq. mm All L.T. XLPE Armored Cable. Supply of G.I. Channels Supply of 6" GI PIPE 2 Mtr Length Labour charges for Erection of 630 KV DP Streator, Pole Erection, Cable Laying etc. Liasoning charges for sanction of load with M.S.E.D Co. Ltd. & PWD Electrical Inspector Internal Electrical Work Total Rs. Qty. 1 Nos 1 Set 2 Set 1 set 1 Nos 1 Nos 1200 Rmt Rate 220000.00 50000.00 15000.00 60000.00 700000.00 250000.00 1100.00 Amount 220000.00 50,000.00 30,000.00 60,000.00 700,000.00 250,000.00 1,320,000.0 0 Taxes Duties Total 2 20,000.00 50,000.00 30,000.00 60,000.00 7 00,000.00 2 50,000.00 1,3 20,000.00
6 Nos 2 Nos 100 Kg 1 Nos 180 Rmt 1 L/S 300 Nos Job L/S Job
9000.00 12000.00 150.00 105000.00 410.00 50000.00 600.00 200000.00 350000.00
54,000.00 24,000.00 15,000.00 105,000.00 73,800.00 50,000.00 180,000.00 200,000.00 350,000.00 2,347,153 .13 6,028,953.13
54,000.00 24,000.00 15,000.00 1 05,000.00 73,800.00 50,000.00 1 80,000.00 2 00,000.00 3 50,000.00 2,347,153.13 6,028,953.13
16.1 INTERNAL ELECTRICAL EQUIPMENTS & CONNECTIONS
38
Sr. No . Particulars 1 APFC Panel Labour Charges for Cable Laying & Motor 2 Connections Siemens Switchgear, VEPL Products, 3 Learand Products, Polvcab Cables Electric wires, cables & equipments for 4 internal domestic work job Total d). UTILITY S. No. 1 Particulars
Total Taxes Amount Qty Rate Amount Duties 1 No 305000.00 305000.00 38125.00 343125.00 1 No 1 No 1 Nos 250000.00 250000.00 31250.00 281250.00 1356278.13 366500.00 2347153.13
1238057.53 1238057.53 118220.60 366500.00 366500.00 ------
Qty. 1 No
Rate 4000000.0 0
Amount 4,000,000.00
Taxes Duties
Total 4,000,000.00 1,394,534.20
M.S. C Section Channel, M.S. I Beams, M.S. Angels, M.S. Corrugated Sheets for Platform Utilities described in d.1 to 2 d.3 point Total Rs. d.1) WEIGHING SCALE S. No. 1 2 3 4 Particulars Plat Size 7M * 3M Four Loadcell Systems Electronic Scale Electronic Scale Electronic Scale Total Rs.
4,000,000. 00
5,394,534. 20
Qty. 20 Tons * 10 KG 10/20 KG 500 KG 1 Ton
Rate 396000.00 25200.00 14500.00 67500.00
Amount 396000.00 25200.00 14500.00 67500.00 503,200.00
Taxes Duties 49,500.0 0 3,150.00 1,812.50 8,437.50 62,900.0 0
Total 445,500.00 28,350.00 16,312.50 75,937.50 566,100.00
d.2) TROLLY S. Particulars No. 1 Hand Pallet Trolly JP2500 2 Semi Automatic Stacker Total Rs. d.3) Packing & Sealing Machines S. Particulars No. 1 Band Sealer Machine NP-1200 2 Band Sealer Machine NP-1500 Total Rs. Qty. 2 2 Rate 97000.00 156000.00 Amount Taxes Duties 194000.00 12,125.00 312000.00 19,500.00 506,000.00 31,625.0 0 Total 206,125.00 331,500.00 537,625.00 Qty. 4 Nos 1 Nos Rate 16500.00 198000.00 Amount Taxes Duties 66000.00 2,059.20 198000.00 24,750.00 264,000.00 26,809.20 Total 68,059.20 222,750.00 290,809.20
39
E) Civil Construction
Sr. No. 1 Particulars Construction of Chakki Fresh Atta & Besan/ Chana Dal Plant, With RCC foundations and Brick wall up to 12'0''and P.E.B., Roofing System & Slide Cladding Complete Construction of Ground & Mezzanine structure in PEB for Storage Purpose Construction of Compound Wall ( West Bound) Construction of Internal Road Total Area(Sq. Ft) 650 Rate 15000.00 Total Amount 9750000.00
2 3 4
550
1500.00
825000.00 1000000.00 1000000.00 12575000.00
14.4 ASSESSMENT OF WORKING CAPITAL

(Amount In lacs)
Sr. No . 1 2 3 4 5 6 7 8
WORKING CAPITAL ASSESSMENT Total Current Assets Other CL (other than bank borrowing) WCG Minimum stipulated NWC (25% of WCG / 25% of total CA as the case may be) Actual / projected NWC Item 3 minus Item 4 Item 3 minus Item 5 MPBF (Item 6 or 7 whichever is lower)
Estimate 2011-12 71.59 33.85 37.74 17.90 37.74 19.84 0.00 0.00
Projection 2012-13 264.64 104.52 160.12 66.16 90.12 93.96 70.00 70.00
Projection 2013-14 421.06 269.39 151.67 105.26 81.67 46.40 70.00 46.40
Projection 2014-15 472.34 279.55 192.79 118.08 122.79 74.70 70.00 70.00
40
14.5 LIST OF SECURITY OFFERED

(Amount in Lacs)
Sr. No. & Security Type 1. Primary
Particulars of Security Hypothecation of Entire Current Assets & Book Debts of the company Inventory Book Debts Plant & Machinery & All The Utilities Electrical Power-Setup Equitable Mortgage of proposed factory Land & Building situated at Survey No. 7, Hissa No-9 admeasuring about One Acre situated at Koina Village, Taluka - Panvel, Dist. Raigad Equitable Mortgage of Shop No.-1, Building Name Mamta Residency admeasuring about 103.67 sq. fts. on Ground Floor, Sector .No.-10, Plot No-100, MouzaTaloja Panchanand Nod, Taluka- Panvel, Dist. Raigad Equitable Mortgage of Flat No-105, Building Name Mamta Residency admeasuring about 350.31 sq. fts. on Ground Floor, Sector .No.-10, Plot No-100, MouzaTaloja Panchanand Nod, Taluka- Panvel, Dist. Raigad Equitable Mortgage of Flat No-204, Building Name Mamta Residency admeasuring about 311.08 sq. fts. on Ground Floor, Sector .No.-10, Plot No-100, MouzaTaloja Panchanand Nod, Taluka- Panvel, Dist. Raigad Equitable Mortgage of Flat No-301, Building Name Mamta Residency admeasuring about 501.77 sq. fts. on Ground Floor, Sector .No.-10, Plot No-100, MouzaTaloja Panchanand Nod, Taluka- Panvel, Dist. Raigad Equitable Mortgage of Flat No-502, Building Name Mamta Residency admeasuring about 501.77 sq. fts. on Ground Floor, Sector .No.-10, Plot No-100, MouzaTaloja Panchanand Nod, Taluka- Panvel, Dist. Raigad, Equitable Mortgage of Flat No-503, Building Name Mamta Residency admeasuring about 343.05 sq. fts. on Ground Floor, Sector .No.-10, Plot No-100, MouzaTaloja Panchanand Nod, Taluka- Panvel, Dist. Raigad Equitable Mortgage of Flat No-705, Building Name Mamta Residency admeasuring about 343.05 sq. fts. on Ground Floor, Sector .No.-10, Plot No-100, MouzaTaloja Panchanand Nod, Taluka- Panvel, Dist. Raigad Total Security Value
Amount
Proposed Bank Share
123.16 18.87 188.00 60.00 307.75
100%
7.26
100%
17.17 15.24
100% 100%
2.Collateral Security
24.59
100%
24.59
100%
16.81
100%
16.81
100%
820.25
100%
41
14.6 Financial Data:

(Amount in Lacs) Estimate a) Paid up Capital : - Equity - Preference Share b) c) d) e) f) g) h) Tangible Net worth (Excl. rev. reserve & net of intangible assets) Investment in cos.(of which associated companies/ subsidiaries) Adjusted TNW Quasi Capital Capital Employed*(total funds employed) Net Block Net sales : Domestic Exports Total i) j) k) l) m) n) o) p) q) r) Other Income Depreciation Gross Profit/Loss Net profit/loss Cash Accruals (l+k) Net profit / Capital Employed (%) Current Assets Current Liabilities RATIOS : Current Ratio Debt/Equity : Total Term Liab./TNW Total Outside Liab./ TNW s) t) Profitability %: PAT/Net Sales DSCR a) Company as a whole b) For specific TL Interest Coverage Inventory + Receivables/ Sales Debt quasi equity ratio 3.04 3.35 #DIV/0! -0.39 1.93 2.69 3.50% 0.58 1.36 2.67 3.13% 1.65 0.75 1.76 2.45% 1.44 0.33 0.97 3.68% 1.99 0.10 0.41 4.54% 2.44 0.00 0.15 5.49% 4.03 0.00 0.06 6.41% #DIV/0! 0.00 0.04 7.14% #DIV/0! 2.11 1.52 1.24 1.35 1.69 2.64 5.02 11.14 13.93 438.92 401.19 0.00 0.00 0.00 0.00 0.00 0.00 -9.21 -9.21 -2.10% 71.59 33.85 678.77 588.65 1377.54 0.00 1377.54 0.00 6.65 144.45 48.26 54.91 7.11% 264.64 174.52 612.46 530.79 3127.15 0.00 3127.15 0.00 57.87 268.88 97.82 155.68 15.97% 421.06 339.39 604.97 482.19 3533.97 0.00 3533.97 0.00 48.60 231.50 86.71 135.31 14.33% 472.34 349.55 657.06 441.04 3978.34 0.00 3978.34 0.00 41.14 296.91 146.29 187.43 22.26% 527.89 311.87 757.37 406.01 4289.00 0.00 4289.00 0.00 35.04 347.44 194.51 229.55 25.68% 565.94 214.58 940.88 376.04 4622.62 0.00 4622.62 0.00 29.97 415.06 253.96 283.93 26.99% 705.29 140.45 1260.00 350.32 4980.83 0.00 4980.83 0.00 25.72 490.28 319.11 344.83 25.33% 779.67 70.00 1636.75 331.53 5279.68 0.00 5279.68 0.00 18.79 557.01 376.75 395.54 23.02% 975.22 70.00 2011-12 117.92 117.92 0.00 108.71 0.00 108.71 Projection 2012-13 192.47 192.47 0.00 231.52 0.00 231.52 Projection 2013-14 192.47 192.47 0.00 259.41 0.00 259.41 Projection 2014-15 192.47 192.47 0.00 346.12 0.00 346.12 Projection 2015-16 192.47 192.47 0.00 492.41 0.00 492.41 Projection 2016-17 192.47 192.47 0.00 686.92 0.00 686.92 Projection 2017-18 192.47 192.47 0.00 940.88 0.00 940.88 Projection 2018-19 192.47 192.47 0.00 1260.00 0.00 1260.00 Projection 2019-20 192.47 192.47 0.00 1636.75 0.00 1636.75
u) v)
0.00 #DIV/0!
2.10 10.31%
3.77 12.99%
3.92 12.92%
6.35 12.86%
10.06 12.80%
18.62 12.74%
56.47 12.68%
#DIV/0! 12.62%
3.35
2.69
2.67
1.76
0.97
0.41
0.15
0.06
0.04
42
14.7 CASH FLOW 14.7.1 Wheat Commodity

(Amount in Lacs)
FINANCIAL YEAR ENDED RECEIPT WHEAT COMMODITY 1. Flour Qty (MT) Closing Stock Market Rate Amount 2. Bran Qty (MT) Closing Stock Market Rate Amount Total Reliazable Amount TOTAL Stock Value ( value has been taken in projections Under Closing Stock (Finished Goods) GROSS RECEIPT EXPENDITURE TOTAL Plant Capacity in MT per day TOTAL CAPACITY UTILIZATION YOY TOTAL CAPACITY UTILIZATION Per Day in MT Working Day in a Year Raw material of Wheat Quantity (MT) A.1 Raw Material Cost
2011-12
2012-13
2013-14
2014-15
2015-16
2016-17
2017-18
2018-19
2019-20
TOTAL
0.00 0.00 16500.00 0.00 0.00 0.00 9000.00 0.00 0.00
5796.00 111.16 17490.00 99427918.68 441.00 8.46 9540.00 4126455.12 103554373.81
12364.80 237.13 18539.40 224839666.79 940.80 18.04 10112.40 9331290.52 234170957.30
13137.60 251.95 19651.76 253225674.72 999.60 19.17 10719.14 10509365.95 263735040.66
13910.40 266.77 20830.87 284208580.80 1058.40 20.30 11362.29 11795217.78 296003798.58
13910.40 266.77 22080.72 301261095.65 1058.40 20.30 12044.03 12502930.85 313764026.50
13910.40 266.77 23405.57 319336761.39 1058.40 20.30 12766.67 13253106.70 332589868.09
13910.40 266.77 24809.90 338496967.07 1058.40 20.30 13532.67 14048293.10 352545260.17
13910.40 266.77 26298.49 358806785.10 1058.40 20.30 14344.63 14891190.69 373697975.78 90457850.70 2270061300.89 2179603450.19
0.00 0.00
2024806.19 103554373.81
4578761.74 234170957.30
5156830.40 263735040.66
5787783.77 296003798.58
6135050.80 313764026.50
6503153.85 332589868.09
6893343.08 352545260.17
7306943.66 373697975.78 2270061300.89
60.00 75.00% 45.00 0.00 0.00
60.00 75.00% 45.00 140.00 6300.00
60.00 80.00% 48.00 280.00 13440.00
60.00 85.00% 51.00 280.00 14280.00
60.00 90.00% 54.00 280.00 15120.00
60.00 90.00% 54.00 280.00 15120.00
60.00 90.00% 54.00 280.00 15120.00
60.00 90.00% 54.00 280.00 15120.00
60.00 90.00% 54.00 280.00 15120.00
43
Market Rate (Per MT) Amount (RMC) A.2 Processing Cost Chakki Aata Plant Running Cost Rate/MT Amount Products Out Come 1. Flour (92% of RM) Qty (MT) Result 2. Bran (7% OF RM) Qty (MT) Result 3.Losses (1% OF RM) Qty (MT) Result Total Quanity in Plant TOTAL EXPENDITURE NET CASH GENERATION ACCUMULATED CASH GENERATION
12500.00 0.00
13125.00 82687500.00
13781.25 185220000.00
14470.31 206636062.50
15193.83 229730681.25
15953.52 241217215.31
16751.20 253278076.08
17588.76 265941979.88
18468.19 279239078.88
1743950593.90
1550.00 0.00
1627.50 10253250.00
1708.88 22967280.00
1794.32 25622871.75
1884.03 28486604.48
1978.24 29910934.70
2077.15 31406481.43
2181.01 32976805.51
2290.06 34625645.78 216249873.64
0.00 Marketable
5796.00 Marketable
12364.80 Marketable
13137.60 Marketable
13910.40 Marketable
13910.40 Marketable
13910.40 Marketable
13910.40 Marketable
13910.40 Marketable
0.00 Marketable
441.00 Marketable
940.80 Marketable
999.60 Marketable
1058.40 Marketable
1058.40 Marketable
1058.40 Marketable
1058.40 Marketable
1058.40 Marketable
0.00 Loss 0.00 0.00 0.00
63.00 Loss 6237.00 92940750.00 10613623.81 10613623.81
134.40 Loss 13305.60 208187280.00 25983677.30 36597301.11
142.80 Loss 14137.20 232258934.25 31476106.41 68073407.53
151.20 Loss 14968.80 258217285.73 37786512.86 105859920.38
151.20 Loss 14968.80 271128150.01 42635876.49 148495796.87
151.20 Loss 14968.80 284684557.51 47905310.57 196401107.44
151.20 Loss 14968.80 298918785.39 53626474.78 250027582.23
151.20 Loss 14968.80 313864724.66 59833251.12 309860833.35 1960200467.54 309860833.35
44
14.7.2 Gram Commodity

(Amount in Lacs)
FINANCIAL YEAR ENDED RECEIPT GRAM COMMODITY 1. Besan Qty (MT) Closing Stock Market Rate Amount 2. Channa Dal Qty (MT) Closing Stock Market Rate Amount 3. Chuni Qty (MT) Closing Stock Market Rate Amount Total Reliazable Amount TOTAL Stock Value ( value has been taken in projections Under Closing Stock (Finished Goods) GROSS RECEIPT EXPENDITURE TOTAL Plant Capacity in MT TOTAL CAPACITY UTILIZATION YOY TOTAL CAPACITY UTILIZATION Per Day in MT Working Day in a Year Total Raw material of Gram (MT) A.1 Raw Material Cost
2011-12
2012-13
2013-14
2014-15
2015-16
2016-17
2017-18
2018-19
2019-20
TOTAL
0.00 0.00 50000.00 0.00 0.00 0.00 42000.00 0.00 0.00 0.00 9000.00 0.00 0.00 0.00 0.00
470.40 9.02 53000.00 24453067.40 201.60 3.87 44520.00 8803104.26 100.80 1.93 9540.00 943189.74 34199361.40 668702.60 34199361.40
1019.20 19.55 56180.00 56160544.79 436.80 8.38 47191.20 20217796.12 218.40 4.19 10112.40 2166192.44 78544533.35 1535786.97 78544533.35
1097.60 21.05 59550.80 64109421.90 470.40 9.02 50022.67 23079391.88 235.20 4.51 10719.14 2472791.99 89661605.77 1753159.89 89661605.77
1176.00 22.55 63123.85 72809986.30 504.00 9.67 53024.03 26211595.07 252.00 4.83 11362.29 2808385.19 101829966.55 1991088.73 101829966.55
1254.40 24.06 66911.28 82323824.51 537.60 10.31 56205.47 29636576.82 268.80 5.16 12044.03 3175347.52 115135748.85 2251257.66 115135748.85
1332.80 25.56 70925.96 92717207.35 571.20 10.95 59577.80 33378194.65 285.60 5.48 12766.67 3576235.14 129671637.14 2535478.94 129671637.14
1411.20 27.06 75181.51 104061430.37 604.80 11.60 63152.47 37462114.93 302.40 5.80 13532.67 4013798.03 145537343.33 2845702.24 145537343.33
1411.20 27.06 79692.40 110305116.19 604.80 11.60 66941.62 39709841.83 302.40 5.80 14344.63 4254625.91 154269583.93 3016444.38 154269583.93 848849780.32 23410565.95 848849780.32 218498615.57 606940598.80
10.00 60.00% 6.00 0.00 0.00
10.00 60.00% 6.00 140.00 840.00
10.00 65.00% 6.50 280.00 1820.00
10.00 70.00% 7.00 280.00 1960.00
10.00 75.00% 7.50 280.00 2100.00
10.00 80.00% 8.00 280.00 2240.00
10.00 85.00% 8.50 280.00 2380.00
10.00 90.00% 9.00 280.00 2520.00
10.00 90.00% 9.00 280.00 2520.00
45
Market Rate (Per MT) Amount (RMC) A.2 Processing Cost Besan Plant Running Cost Rate/MT Amount Products Out Come 1. Besan ( 56% of RM) Qty (MT) Result 2. Channa Dal (24% of RM) Qty (MT) Result 3. Chuni (12% of RM) Qty (MT) Result 4 Loss ( 8.00% of RM) Qty (MT) Result Total Quantity in Plant TOTAL EXPENDITURE NET CASH GENERATION ACCUMULATED CASH GENERATION
33000.00 0.00
34650.00 29106000.00
36382.50 66216150.00
38201.63 74875185.00
40111.71 84234583.13
42117.29 94342733.10
44223.16 105251111.61
46434.31 117014471.15
48756.03 122865194.71
693905428.69
2000.00 0.00
2100.00 1764000.00
2205.00 4013100.00
2315.25 4537890.00
2431.01 5105126.25
2552.56 5717741.40
2680.19 6378855.25
2814.20 7091786.13
2954.91 7446375.44
0.00 Marketable 0.00 Marketable 0.00 Marketable 0.00 Loss 0.00 0.00 0.00
470.40 Marketable 201.60 Marketable 100.80 Marketable 67.20 Loss 571.20 30870000.00 3329361.40 3329361.40
1411.20 Marketable 604.80 Marketable 302.40 Marketable 201.60 Loss 1713.60 130311570.14 23958013.79 112889477.16 735960303.16 112889477.16
14.7.3 COMBINED CASH FLOW

(Amount in Lacs)
FINANCIAL YEAR ENDED
2011-12
2012-13
2013-14
2014-15
2015-16
2016-17
2017-18
2018-19
2019-20
TOTAL
46
RECEIPT NET INCOME FROM WHEAT COMMODITY (As per Wheat Sheet) NET INCOME FROM GRAM COMMODITY (As per Gram Sheet) PROMOTER CONTRIBUTION BANK'S LOAN GROSS RECEIPT EXPENDITURE LAND ACQUITISION CIVIL WORK & FACTORY BUILDING PLANT & MACHINERY & UTILITIES ELECTRICAL/ POWER SET-UP CONTINENGENCIES DELIVERY VEHICLES PRE OPERATIVE EXP REPAYMENT OF LOAN - INTEREST REPAYMENT OF LOAN - PRINCIPAL TOTAL EXPENDITURE NET CASH GENERATION ACCUMULATED CASH GENERATION
0.00 0.00 117.92 353.76 471.68 182.00 125.75 94.00 0.00 0.00 0.00 69.93 9.21 0.00 480.89 -9.21
106.14 33.29 74.55 211.24 425.22
259.84 83.15
314.76 102.49
377.87 124.90
426.36 150.75
479.05 180.42
536.26 214.31
598.33 239.58
3098.61 1128.89 192.47 565.00 4984.97
342.99
417.25
502.77
577.11
659.47
750.58
837.91
94.00 60.00 28.39 12.00 0.00 64.53 23.55 282.47 142.75 133.54
64.78 94.20 158.98 184.01 317.56
52.53 94.20 146.73 270.52 588.08
40.28 94.20 134.48 368.28 956.36
28.04 94.20 122.24 454.87 1411.23
15.79 94.20 109.99 549.48 1960.71
3.81 70.45 74.26 676.32 2637.03
0.00 0.00 0.00 837.91 3474.94
278.96 565.00 1510.03 3474.94
47
14.8 Profitability Projections

(Amount in Lacs)
2011-12 Production during the year (Quantity) % Utilization of installed capacity Sales 1.a. By Wheat Commodity 1.b By Gram Commodity 1. Gross Sales (1a+1b) 2.Less Excise/VAT 3.Net Sales Cost of Production 1.Raw material consumed 1.a. To Wheat Commodity 1.b To Gram Commodity 2.Power & Fuel 3.Direct labour & wages 4.Consumable Stores 5.Repairs & Maintenance 6.Other Manufacturing expenses 7.Depreciation/ Development Rebate Reserve Total Cost of Production 8.Add opening - Raw Material 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2012-13
2013-14
2014-15
2015-16
2016-17
2017-18
2018-19
2019-20
TOTAL
1035.54 341.99 1377.54 0.00 1377.54 1117.94 826.88 291.06 43.39 30.21 0.00 7.50 89.96 6.65 1295.65 0.00
2341.71 785.45 3127.15 0.00 3127.15 2514.36 1852.20 662.16 97.33 66.02 0.00 16.82 201.89 57.87 2954.30 93.16
2637.35 896.62 3533.97 0.00 3533.97 2815.11 2066.36 748.75 108.71 74.67 0.00 18.80 225.60 48.60 3291.49 209.53
2960.04 1018.30 3978.34 0.00 3978.34 3139.65 2297.31 842.35 120.99 84.18 0.00 20.93 251.17 41.14 3658.07 234.59
3137.64 1151.36 4289.00 0.00 4289.00 3355.60 2412.17 943.43 127.79 90.89 0.00 22.16 265.87 35.04 3897.35 261.64
3325.90 1296.72 4622.62 0.00 4622.62 3585.29 2532.78 1052.51 134.97 98.27 0.00 23.45 281.42 29.97 4153.37 279.63
3525.45 1455.37 4980.83 0.00 4980.83 3829.56 2659.42 1170.14 142.54 106.40 0.00 24.82 297.86 25.72 4426.90 298.77
3736.98 1542.70 5279.68 0.00 5279.68 4021.04 2792.39 1228.65 149.67 113.39 0.00 26.06 312.75 18.79 4641.70 319.13
22700.61 8488.50 31189.11 0.00 31189.11 24378.56 17439.51 6939.05 925.41 664.03 0.00 160.54 1926.52 263.77 28318.84 1696.46
48
9.Deduct closing - Raw Material 10.Add opening - stock-inprocess 11.Deduct closing - stock-inprocess 12.Add opening finished goods Stock 13.Deduct closing stock finished goods Cost of Sales Gross Profit (B-D) Interest on 1. Term Loans 2. Working Capital 3. Other Loans if any Selling, General & Administrative Expenses Profit before Taxation {E(F+G)} Provision for Taxes Net Profit (H-I) Depreciation added back Net Cash Accruals Repayment obligations 1. Towards Term Loan 2. Towards other Loan, if any. Total Repayment Debt Service ratio (L:M)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 9.21 0.00 0.00 0.00 -9.21
93.16 0.00 3.06 0.00 26.94 1202.49 175.05 64.53 4.33 0.00 37.25 68.94 20.68
209.53 3.06 6.89 26.94 61.15 2837.93 289.23 64.78 6.50 0.00 78.22 139.74 41.92 97.82 57.87 155.68 94.20 0.00 94.20 1.65
234.59 6.89 7.71 61.15 69.10 3266.43 267.53 52.53 6.50 0.00 84.63 123.87 37.16 86.71 48.60 135.31 94.20 0.00 94.20 1.44
261.64 7.71 8.60 69.10 77.79 3631.03 347.31 40.28 6.50 0.00 91.54 208.99 62.70 146.29 41.14 187.43 94.20 0.00 94.20 1.99
279.63 8.60 9.19 77.79 83.86 3879.35 409.64 28.04 6.50 0.00 97.23 277.87 83.36 194.51 35.04 229.55 94.20 0.00 94.20 2.44
298.77 9.19 9.82 83.86 90.39 4134.23 488.38 15.79 6.50 0.00 103.29 362.80 108.84 253.96 29.97 283.93 94.20 0.00 94.20 3.01
319.13 9.82 10.49 90.39 97.39 4406.55 574.28 3.81 4.88 0.00 109.72 455.88 136.76 319.11 25.72 344.83 70.45 0.00 70.45 4.89
335.09 10.49 11.02 97.39 103.23 4625.75 653.93 0.00 0.00 0.00 115.71 538.22 161.47 376.75 18.79 395.54 0.00 0.00 0.00 #DIV/0!
2031.55 55.77 66.79 506.61 609.84 27983.75 3205.36 278.96 41.71 0.00 717.58 2167.11 652.89 1514.21 263.77 1777.98 565.00 0.00 565.00 #DIV/0!
-9.21 0.00 -9.21 0.00 0.00 0.00 #DIV/0!
48.26 6.65 54.91 23.55 0.00 23.55 2.33
49
14.9 Projected Balance Sheet

(Amount in Lacs)
2011-12 A. Liabilities 1. Equity Share Capital 2.Reserve & Surplus 3. Term loans 4.Bank Borrowings Working Capital 5. Sundry Creditors 6. Other liabilities Total Liabilities B. Assets 1. Gross Block 2.Depreciation 3. Net Block 4.Investment 5. Inventory 6. Sundry Debtors 7. Other Current Assets 8. Working Capital Margin 8. Pre Operative Expenses 9. Cash & Bank Balances Total Assets 401.19 0.00 401.19 0.00 0.00 0.00 0.00 0.00 69.93 1.66 472.78 for 117.92 -9.21 353.76 0.00 10.30 0.00 472.77
2012-13 192.47 39.05 541.45 70.00 10.32 0.00 853.29 595.30 6.65 588.65 0.00 123.16 18.87 0.00 35.76 69.93 16.92 853.29
2013-14 192.47 66.94 447.25 70.00 110.35 64.84 951.85 595.30 64.52 530.79 0.00 277.56 128.51 0.00 0.00 0.00 14.98 951.84
2014-15 192.47 153.65 353.05 70.00 120.53 64.82 954.52 595.30 113.12 482.19 0.00 311.41 145.23 0.00 0.00 0.00 15.70 954.52
2015-16 192.47 299.94 258.85 70.00 97.84 49.83 968.93 595.30 154.26 441.04 0.00 348.03 163.49 0.00 0.00 0.00 16.37 968.94
2016-17 192.47 494.45 164.65 70.00 50.38 0.00 971.95 595.30 189.29 406.01 0.00 372.69 176.26 0.00 0.00 0.00 16.99 971.95
2017-18 192.47 748.41 70.45 70.00 0.00 0.00 1081.33 595.30 219.26 376.04 0.00 398.98 189.97 98.76 0.00 0.00 17.58 1081.33
2018-19 192.47 1067.53 0.00 70.00 0.00 0.00 1330.00 595.30 244.98 350.32 200.00 427.01 204.69 129.79 0.00 0.00 18.18 1330.00
2019-20 192.47 1444.28 0.00 70.00 0.00 0.00 1706.75 595.30 263.77 331.53 400.00 449.34 216.97 290.74 0.00 0.00 18.17 1706.75
TOTAL 1657.68 4305.05 2189.46 560.00 399.72 179.49 9291.40 5163.61 1255.85 3907.76 600.00 2708.18 1244.00 519.29 35.76 139.86 136.55 9291.40
50
14.10 Calculation of DSCR

(Amount in Lacs)
Net Profit Depreciation Interest A. Total cash accrual Installment of Term loan Interest B. Total DSCR = A/B Average DSCR
2012-13 48.26 6.65 64.53 119.44
2013-14 97.82 57.87 64.78 220.46
2014-15 86.71 48.60 52.53 187.84
2015-16 146.29 41.14 40.28 227.72
2016-17 194.51 35.04 28.04 257.58
2017-18 253.96 29.97 15.79 299.72
2018-19 319.11 25.72 3.81 348.64
2019-20 376.75 18.79 0.00 395.54
TOTAL 1146.66 244.98 269.76 1661.40
23.55 64.53 88.08 1.36
94.20 64.78 158.98 1.39
94.20 52.53 146.73 1.28
94.20 40.28 134.48 1.69
94.20 28.04 122.24 2.11 1.99
94.20 15.79 109.99 2.72
70.45 3.81 74.26 4.70
0.00 0.00 0.00 #DIV/0!
565.00 269.76 834.76 1.99
14.11 Calculation of ISCR

(Amount in Lacs)
2012-13 Net Profit Depreciation Interest A. Total cash accrual Interest B. Total ISCR = A/B Average ISCR 48.26 6.65 64.53 119.44
2013-14 97.82 57.87 64.78 220.46
2014-15 86.71 48.60 52.53 187.84
2015-16 146.29 41.14 40.28 227.72
2016-17 194.51 35.04 28.04 257.58
2017-18 253.96 29.97 15.79 299.72
2018-19 319.11 25.72 3.81 348.64
2019-20 376.75 18.79 0.00 395.54
TOTAL 1146.66 244.98 269.76 1661.40
64.53 64.53 1.85
64.78 64.78 3.40
52.53 52.53 3.58
40.28 40.28 5.65
28.04 28.04 9.19 6.16
15.79 15.79 18.98
3.81 3.81 91.57
0.00 0.00 #DIV/0!
269.76 269.76 6.16
14.12 Draw Down Plans

51
(Amount in Lacs)
Month/Year Dec,2011 Dec,2011 Mar-12 May-12 Jul-12 Aug-12 Aug-12
Particulars Land Acquisition Civil Work + Pre Operative Exp For placing purchase order of plant & machinery Final Payment to supplier of Plant & Machinery Payment for Electrical Connections Delivery Vehicle Continengencies + Interest Exp + WC margin Total
Bank Loan Disb 136.50 146.76 70.50 70.50 45.00 9.00 86.74 565.00
Promoters Cont. 45.50 48.92 23.50 23.50 15.00 3.00 33.05 192.47
Total 182.00 195.68 94.00 94.00 60.00 12.00 119.79 757.47
14.13 Project Implementation Schedule

Activity Acquisition of Land Development of Land Civil Works Plant & Machinery a. Placement of order b. Delivery at site Erection & Commissioning Trial Run Commercial Production Feb,2012 March,2012 March,2012 August,2012 October,2012 Feb,2012 May,2012 May,2012 August,2012 Commencement date Nov,2011 Nov,2011 Dec,2011 Completion date Dec,2011 Dec,2011 Jan,2012
14.14 Repayment Schedule

Entire loan will be repaid in 84 Months. Including 12 Months moratorium period.
52

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Project Report of Ms/ DMR Marketing Private Limited

Project Report of Ms/

VISION: To be a well acceptable Taste in the market.

Project Report of Ms/

Project Report of Ms/

Project Report of Ms/

3.1 PROSPECTIVE CLIENTS:-

Mayura Enterprises Hariyana Trading Co. Amrita Foods Laxmi Traders

3.2 PROSPECTIVE SUPPLIERS:-

Project Report of Ms/

4.1 BACKGROUND OF PARTNERS:

Personal Detail : Name Designation Qualification Date of Birth Residential address

Project Report of Ms/

5.1 Chakki Fresh Atta

5.2 Chana - Besan

5.3 Chana - Dal:

Project Report of Ms/

Project Report of Ms/

6.1) Wheat Flour : FLOW-DIAGRAM

Unloading [Hopper] Cleaning [Reel M/c]

Cleaning [V. S.-I]

De-stoning Scouring-I Dampening Storage Scouring-II

Magnetic Separation Storage [Bin]

Grinding [Rollers] Plansifter

Project Report of Ms/ DMR Marketing Private Limited

Brief Description of Above Process:A) Cleaning Sectio n:

B) Mill ing Section:

C) Wheat Roas ting (Proc essing)

Project Report of Ms/ Mamta Food Products

6.2) Gram Besan:FLOW-DIAGRAM

Storing for 24 hour Drying Storing for 24 48 hours Conveyor

Storage 6-8 hours Scratching

Cleaning Round Splitting

Packing & Dispatch

Project Report of Ms/ Mamta Food Products

Brief Description of Above Process:A) Cleaning Process

B) Conditi oning Proce ss

C) Mill ing Proc ess

DESTONER:- This machine will be used to clean the raw materials by

Food Processing Segments

Fruits& Consumer Vegetables Products Food

Meat & Poultry

Food Processing Units in Organized Sector (numbers)

Source: Ministry of Food Processing Industries

1) Area Wise Share in Production of Gram/ Wheat

Area, Production & Yield Of Gram/Wheat In India

2708 2802 2907 2830 2843

2) State Wise Share In Production Of Gram /W heat

36.27 5.66 1.38 0.35 14.03 22.61 0.20

3) INVENTORIZATION OF PULSE/WHEAT/RICE MILLS IN INDIA

In vente rization Of Gram/Wh eat/Rice Mills In Ind ia Number of Mills WHEAT 58 40 58 0 48 18 2 13 47 15 19 9 60 32 44 65 1 81 4 22 99 10 3 62 2 6 49

GRAM 51 NA 0 125 1 76 NA 24 NA NA NA 12 104 1 549 NA NA 6 NA 1 14 NA NA 247 NA 9 NA

RICE 257 NA 16 373 8 0 NA 20 3,065 NA NA 17 668 103 360 NA NA 96 NA 214 61 NA NA 516 NA 6 NA

1) Past Supply and Present Demand

Total 41,053.51 Source: DGCIS Annual Export

Total 1,36,880.10 54,232.48 Source: DGCIS Annual Export Export of By-Product:-

AVAILABILITY & MARKETING OF MAMTA FOOD PRODUCTS:1) Availability of Raw-Material

1)BUREAU OF INDIAN STANDARDS : FOOD SAFETY MANAGEMENT SYSTEMS CERTIFICATION SCHEME

2) AGMARK : Agricultural Produce (Grading and Marketing) Act, 1937 (Agmark):

3)HAZARD ANALYSIS CRITICAL CONTROL POINT (HACCP)

Project Report of Ms/ Mamta Food Products

4)ISO-9000 (International Organization for Standardization):

5)Application of ISO 9000 in the Fruit & Vegetable Processing Industry: