🏦 Executive Project Report for Bank Submission
Amrud Valley Farmer Producer Company Ltd. (FPO)
District: Sawai Madhopur, Rajasthan
Sector: Food Processing – Fruits & Vegetables (Guava, Tomato, Methi, Chilli)
Project Type: Mobile Aseptic Pulping & Heat Pump Drying Unit
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1️⃣ Project Summary
Project Title: Amrud Valley FPO – Integrated Micro Fruit & Vegetable Processing Unit
Project Cost: ₹84.00 lakh
Government Subsidy (25 %): ₹21.00 lakh
Bank Term Loan (AIF/NABARD): ₹50.40 lakh
Promoter’s Contribution (FPO + Members): ₹12.60 lakh
Working Capital (3 months): ₹10.00 lakh (included in total)
Objective:
To convert unsold, surplus, or discoloured farm produce (primarily guava, tomato, methi, and chilli) into high-quality pulp and dried products using mobile aseptic and heat-pump-based technology, ensuring zero waste and fair value realization for farmers.
Key Technologies Used:
• Mobile Aseptic Pulping Unit (1 no.) – 200 kg/hr capacity.
• Heat Pump Dryers (5 nos.) – multi-crop adaptable.
• Solar hybrid cold storage (5 MT) for finished goods.
Beneficiaries:
• 200 farmers (direct members) + 10 local youth employed.
• Cluster area coverage: Bonli, Khandar, Chauth ka Barwada.
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2️⃣ Project Rationale & Justification
1. Current Problem:
20–25 % of guava and vegetable produce goes unsold or wasted due to perishability and mandi price crashes.
2. Proposed Solution:
On-farm processing using portable machines to convert rejected/grade-B produce into pulp or dried form.
3. Market Linkages:
MoUs with Jaipur-based buyers (Nandini Foods Pvt. Ltd., FreshBlend Beverages).
4. Technology Partner:
SNL Innovations Pvt. Ltd., Jaipur (MSME-registered Agri Engineering unit).
5. Economic Logic:
Turns waste into value, generates local jobs, and reduces logistics costs.
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3️⃣ Total Project Cost & Means of Finance
| Particulars | Amount (₹ Lakh) | Remarks |
| Mobile Aseptic Pulping Unit | 45 | Includes accessories & generator |
| Heat Pump Dryers (5 Nos.) | 15 | Multi-crop operation |
| Cold Room (5 MT) | 5 | Solar hybrid |
| Office, Furniture & Crates | 3 | Administrative setup |
| Training, Installation & Transport | 2 | By SNL Innovations |
| Working Capital (3 months) | 10 | RM, wages, packaging |
| Total Cost | 84.00 |
Means of Finance
| Source | Amount (₹ Lakh) | % Share |
| FPO / Member Contribution | 12.60 | 15 % |
| Bank Term Loan (AIF Scheme) | 50.40 | 60 % |
| Government Subsidy | 21.00 | 25 % |
| Total | 84.00 | 100 % |
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4️⃣ Financial Projections (Summary)
Income & Profit Projection
| Particulars | Year 1 | Year 2 | Year 3 |
| Total Sales (₹ Lakh) | 108.0 | 130.0 | 155.0 |
| Operating Cost (₹ Lakh) | 83.0 | 95.0 | 110.0 |
| Net Profit (₹ Lakh) | 14.0 | 25.0 | 36.0 |
| Net Margin | 13 % | 19 % | 23 % |
Break-Even Volume: 80 MT (within 9 months)
IRR: ~22 % Payback Period: 3.2 years DSCR: 2.0
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5️⃣ Product & Market Snapshot
| Product | Selling Price (₹/kg) | Annual Volume (MT) | Annual Revenue (₹ Lakh) |
| Guava Pulp | 38 | 150 | 57 |
| Tomato Pulp | 30 | 100 | 30 |
| Methi Flakes | 150 | 10 | 15 |
| Chilli Dried | 120 | 5 | 6 |
| Total Revenue | — | — | 108 |
Primary Buyers: Jaipur, Ajmer, and Bharatpur processors & wholesalers.
Distribution: Direct B2B + retail packs under “Amrud Valley” brand + online B2B listing.
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6️⃣ Employment & Social Impact
• Permanent Jobs: 6
• Seasonal Jobs: 8–10 local youth
• Farmer Income Impact: +₹10,000–15,000 per year/member
• Women’s Role: Kamla Devi Mahila Samiti handles accounting & procurement.
• Environmental Benefit:
o 80–90 % food waste reduction.
o Solar + heat pump = 50 % lower energy use.
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7️⃣ Regulatory & Risk Compliance
• Registered as Producer Company under Section 581B, Companies Act, 1956.
• Licenses: FSSAI, GST, Udyam, Pollution NOC (exempted).
• Schemes Utilized:
o Agri Infrastructure Fund (AIF)
o MIDH – Post-Harvest Subsidy
o SFAC – Equity Grant & Credit Guarantee
Risk Mitigation:
• Inter-FPO sourcing for supply gaps.
• AMC for machine maintenance.
• Transparent cost-sharing via Memorandum of Cooperation (MOC).
• Reserve fund (₹4 lakh) for contingencies.
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8️⃣ Sustainability & Growth Plan
Short-Term (1–2 years):
• 100 % utilization of existing machinery.
• Training of 2 additional machine operators.
Medium-Term (3–5 years):
• Add 2nd mobile unit for mango/papaya pulp.
• Introduce retail line: “Desi Fresh – Amrud Valley.”
Long-Term (5–10 years):
• Regional hub under ODOP – Guava (Sawai Madhopur).
• Export-grade certification & traceable branding for Gulf markets.
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9️⃣ Bank Appraisal Highlights
| Parameter | Value | Comment |
| Total Project Cost | ₹84.00 lakh | Eligible under AIF scheme |
| Term Loan Required | ₹50.40 lakh | Repayable in 7 years (1-yr moratorium) |
| Subsidy | ₹21.00 lakh | Back-ended, routed via Bank/NABARD |
| Promoter’s Margin | ₹12.60 lakh | Confirmed by member contribution |
| DSCR | 2.0 | Strong repayment capability |
| Collateral | Machinery hypothecation + FPO guarantee |
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🔟 Key Takeaways
• Innovative Concept: Portable processing unit at farm gate.
• Bankable Model: Proven demand, tested technology, positive cash flow.
• Replicable Framework: Suitable for other FPOs under AIF.
• High Social ROI: Waste reduction, women engagement, green technology.
• Ready for Disbursement: Land, machines, buyer linkages, and MOC structure in place.
Project Promoter: Amrud Valley Farmer Producer Company Ltd., Sawai Madhopur
Chairman: Mr. Sanjay Patel Contact: +91-9XXXX XXXXX
Technical Advisor: SNL Innovations Pvt. Ltd., Jaipur
Facilitator: Hello Kisan Media & Advisory Initiative
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💬 Final Statement
“This project is not about building a factory — it’s about ensuring that no farmer’s hard work ever rots unsold.”
With transparent governance, portable green technology, and assured markets, Amrud Valley FPO is ready for immediate financial support under the Bank’s agri-infra lending program.
