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Sample Project - Integrated Polyhouse In Bikaner 10000 sqmt. dpr final

PROJECT REPORT

CULTIVATION OF VEGETABLE/CUCUMBER IN 10000 SQ.MTR. POLY HOUSE

Project on Natural Ventilated Poly House by Private Sector under NHB Subsidy (The proposal should be routed through National Horticulture Board with their recommendation).

1. Name and address of the organization:

2. Name of the project/ activity: Cultivation of Cucumber under NaturalVentilated Poly House Cultivation of Cucumber.

3. Name and address with telephone number of the key person, who will be in Charge of thenecessary.

4. Objectives: Installed naturally ventilated Poly House for growing Cucumber and other High-techcomponent like Drip Irrigation, Fogger System , Stacking Support, Pack House, Water pond etc

5. Location of the project and availability of land for the purpose with documents(10000 sq. Mtr)

6. List of plants proposed to be multiplied, including name of variety.Cucumber – 5232Yuksel and Y225 (variety)

7. Component wise cost of project supported by quotation/documentsAttached herewith

8. Area of operation with special reference to NHB Gurgaon.

9. Certificate stating the subsidy has not been received from any other source.

10. Attached herewith.

11. Social benefits

(a) Direct employment: 2 per day

(b) Indirect employment: 3 per day

(c) Any other: --

12. Commitment of the organization for deployment of experts and staff to the projectFor continuity and accountability/ Name and Address of Consultant

13. Details of the sustainability of the project with special reference to its capacity toGenerate income, as only one time grant is available. (Details given in the Project Report)

Generate revenue approx. Rs. 64.80 Lac per annum.

Internal rate of Return: approx. 28.94%.

So the project is viable and one time Grant is sufficient for the project.

14. SWOT analysis:

Strength: Higher yield with better quality per unit area, More suitable for cultivating high value of season crops,Helps to control pest and disease, Protects the crop from wind, rain, snow, bird, hail etc 

Opportunities: There is wide scope for the Cucumber in the country. The Domestic use of the Cucumber will be increased with Economic Growth of the country depending on the spacing and varieties of Cucumber has various uses.

Threats: Adverse effect of High temperature on crop production, Effect of unexpected disease on crop production Adverse effect of unsecured market of vegetable on profit

15. Implementation schedule:

- Month of Land Levelling – JULY 2026.

- Month of Construction of Poly House, Pack House and Water Tank – AUGUST 2026.

- Month of Plantation – SEPTEMBER 2026.

- Month of Commercial Production – NOVEMBER 2026.

16. Amount of Subsidy

Rs. 89,50,000 Lac as per Annexure – I

17. Name of Bank/F1 from where the term loan is likely to be availed by theBeneficiary (if required)

Name of the Bank:

Address:

18. Proposed term loan Amount:

Rs. 1,43,20,000 Lac (Details given in the Annexure-II)


GENERAL INFORMATION ABOUT THE PROJECT

Introduction

A Poly House is a framed structure made of G I Pipe /MS angle/Wood /Bamboo and covered with a transparent/trance lucent material fixed to frame with grippers. Besides irrigation, it has control/monitoring equipment, which is considered necessary for controlling environmental factors such as temperature, light, relative humidity etc. and is necessary for maximizing plant growth and productivity. Thus, the Poly House is an enclosed area, in which crops are grown under partially or fully controlled conditions. The cladding material is of net and acts like a selective radiation filter that allows solar radiation to pass through it but traps the thermal radiation emitted by the inside objects to create Poly House effect.

The Poly House protects the plants from adverse climatic conditions and provides an appropriate amount of light, temperature, humidity, carbon dioxide etc. to achieve optimum yield with excellent quality. The reason for building a Poly House is to get faster growth by raising humidity and controlling temperatures. Labor, energy and capital are the major three cost factors in a typical modern Poly House production system. Poly House technology is highly relevant under Indian conditions due to variant agro – climatic conditions of the country.

It is known fact that traditional farming is not affordable due to various reasons. The basic problem is no control over climatic condition & natural hazards. As a result the quality of Agriculture produce & the yield is much inferior as well as the market realization is very low. Hence Agriculture has been treated as risky business.

Therefore the latest technologies are being adapted by farmers to get optimum yield and quality. The necessity of Poly House technology is mainly because of these factors. The advance techniques of cultivation are to be used for commercial & profitable farming. In recent years there has been tremendous potential for flower as well as vegetable consumption. The Cucumber can also be grown in covered cultivation with the help of Poly House technology, which has very good market & prices. This technology would enhance the quality as well as quantity of produce, reduces the risk of cultivation & minimizes the production cost. As a result Poly House cultivation has become a profitable

and commercial activity.

Most of the required parameters are controlled in the Poly Houses like temperature, humidity, level of carbon dioxide, sunlight etc., which helps plants to grow more, to give maximum yield & best quality by providing good resistance against pest & diseases.

The Gerbera, Carnation, Roses, Cucumber and many more flowers and vegetables are grown easily & successfully in the Poly Houses. The cultivation practices are now standardized, easily available & have shown provided results.

AVAILABILITY OF INPUTS AND OUTPUTS

Planting material: Cucumber planting material is originally from seeds produced by well- known Companies. Their Indian counter parts (agents) are supplying this type of plants from their nursery. The quality of plants as well as after sales service is provided by these Companies.

Other Inputs: Other inputs like civil work, Poly House material, Irrigation, Labour arelocally available.

Area for Cultivation: 10000 sq. mtr For the cultivation of Cucumber

Sought for Subsidy: Central Govt. (NHB) National Horticulture Board offers 50% Subsidy against cost of the project

Project Report for Cucumber under Poly House

1) Proposed. Project : Horticulture Project- Of Cucumber cultivation under Poly House controlled atmosphere

2) Name of the Applicants : 

3) Address of the applicants AT& PO : 

4) Constitution : Individual

5) Nature of Activity

A) Existing : Traditional farming like Cotton, Castor etc.

B) Proposed : Cucumber under 10000 sq. mtr Poly House

6) Location of the Project:

7) Source of Finance : Promoter’s Capital/Term Loan/Subsidy

Project under N.H.B scheme Objective Description: Plantation of Cucumber, Land Preparation, fencing, Drip Irrigation, Fogger System, Construction Of Poly House Structure, Store Room Packing Grading Room Purchase of Equipment/Support System, Planting Materials, Fertilizers, Chemicals, Pesticides etc…

8) Means of Finance

Term Loan from the Bank Rs. 1,43,20,000/-
Borrowers contribution Rs. 35,80,000/-
Total Project CostRs. 1,79,00,000/-


Margin Rupees 35,80,000/-@20% of Project cost

Amount of Subsidy Sought: - Naturally Ventilated Poly House: As per annexure-I

9) Plantation Land Scope and spacing:

Seedling of three week age are planted in protected structure on the raised beds with 40cm distance in between plants planting can be done in any months of the year under control atmospheric conditions.

Cost of cultivation for Plantation of Cucumber crop/10000 sq mtr

Name of cropsSpacingNo. of plantsIstYr.IInd YrIIIrd Yr.IVth yr.Vth Yr.VIth Yr.
Cucumber30X40 cm2400015.24
lakh
16.14
lakh
17.04
lakh
17.94
lakh
18.84
lakh
19.74
lakh

Details of the land:

VillageSurvey No.Project Area in HectorCrop to be coveredName of the Owner






Salient features of the projects

The use of high yielding and input responsive cultivars, sound research and development infrastructure and large financial allocation where the prime factors behind the achievement of the Poly Revolution in India In recent years, efforts have been along similar lines to bring about a revolution in the production of horticultural crops. As a result, horticulture hasemerged as one of the major agricultural activities in India.

There has been a substantial increase both in area and production of these crops despite the fact that the emphasis was primarily on food grain crops in the first four decades after independence. Horticulture has also moved out of its rural confines into urban areas and fromtraditional agriculture to corporate enterprise. The investment made in horticulture in recent years has increased significantly.

The recent advanced method of drip or sprinkler irrigation is the most efficient method of irrigating the crops. Water is applied to the crop area near the root zone on a daily basis and as there is no water/moisture stress, the crop growth is not affected at all. Water is also controlled and the required quantity of water is given to each plant based on the evapotranspiration requirement. This method has an irrigation efficiency of up to 92 to 95 per cent.

Advantage of Poly House

  • Provides favorable micro climatic conditions for the plants.
  • Cultivation in all seasons is possible.
  • Higher yield with better quality per unit area.
  • Conserves moisture thus needs less irrigation.
  • More suitable for cultivating high value/off – season crops
  • Helps to control pest and disease.
  • Helps in hardening of tissue cultured plants
  • Helps in raising early nurseries.
  • Round the year propagation of planting material is possible.
  • Protects the corps from wind, rain, snow, bird, hail etc.
  • Generates self – employment opportunities for educated youth.

Potentialities of Poly House Technology

  • 1. Water saving (20 to 70 %) 2. Enhanced plant growth and yield increase. 3. Saving in labor and energy 1 time. 4. Controls weed growth 5. Economy in agriculture practices, easy operation in the crops. 6. Increases labor efficiency and fertilizer efficiency. 7. Fertilizers can be injected through the system (fertigation). 8. Flexibility in operation 9. No soil erosion 10. Suitable for undulating and poor soils. 11. Possibilities of using saline water. 12. Quality improvement.Cultivation is possible under extreme climatic conditions.
  • Export of hybrid seeds, ornamentals plants and tissue culture plants
  • Suitable for biotechnology and genetic engineering.
  • Cultivation of rare and exotic medicinal, aromatic and ornamental species.
  • Production of high value, low volume horticulture crops.
  • Supply of high quality fresh fruits/vegetables and flowers for cuties
  • Production of healthy planting materials

The choice of drops to be raised in a Poly House depends on the size of the structure and economics ofcrop production.

Advantages of Drip Irrigation (Micro-Irrigation) system are as under:-

  1. Water saving (20 to 70 %)
  2. Enhanced plant growth and yield increase.
  3. Saving in labor and energy 1 time.
  4. Controls weed growth
  5. Economy in agriculture practices, easy operation in the crops.
  6. Increases labor efficiency and fertilizer efficiency.
  7. Fertilizers can be injected through the system (fertigation).
  8. Flexibility in operation
  9. No soil erosion
  10. Suitable for undulating and poor soils.
  11. Possibilities of using saline water.
  12. Quality improvement.

Drip Irrigation is one of the most efficient and economical methods of irrigation for various crops. Irrigation is one of the limiting factor in crop production and hence, while adopting any method of irrigation there are certain criteria to be observed in relation with agronomical practices of drip irrigation. In drip irrigation one has to consider soil-water-crop relationship.

1. Location of Poly House Project:


2. Objective of the Project:


1. Introduction

Cucumber growing in India is of recent interest due to high demand for fast food dishes in hotels and modern restaurants. Floriculture industry offers many socio-economic benefits in terms of employment generation, higher income and foreign exchange earnings. To capture International market and increase the quality production in manifold, Controlled Atmosphere Technology (Poly House and Poly House) for growing Cucumber is the basic need under Indian conditions. Saudi Arabia, Japan, Netherlands, Singapore, USA and South Korea are leading importers of these produces.

Thus the total production will be 240.00 MTA Cucumbers per Crop, at the total project cost of Rs. 179.00 Lac.

2. Location & Suitability of site

a) Soil

Cucumber grow best in deep, well grains, medium-textured soil, for example, loans, but can be grown in a wide range of soil types. Soil should be least 30 cm deep; the main requirement being good drainage. Red soil maintains the EC(less than 1.0 mlmhoj/cm) and drainage capacity of the soil. The soil ph should be maintained from 6.0 to 7.0. Soil analysis should be carried out frequently and if pH found lower than the required, use finely powdered slacked lime stone and if it is more that seven soil acidification with Gypsum is beneficial.The borrower has proposed to procure the soil medium (red soil, yellow soil, FYM) to provide the above mentioned soil conditions to plants, which is recommended and the estimated costs for these items are also reasonable.

b) Climate

Cucumber crop can be taken under tropical and sub topical climate with adequate light and a temperature range of 22 C to 36 C, Humidity should be maintained from 70-80%. Low humidity (below60%) with low temperature leads to Mite infestation and cease the bud initiation. Cucumbers are particularly sensitive to cols and growth in inhibited below 10 C. Pollination is poor in very hot (above 36C) or very cold (below 15C) weather. Prolonged wet weather causes severe disease pressures. Rain and high humidity can increase development and spread of disease, particularly bacterial spot/ Low Humidity favors mites and powdery mildew. As cultivation will be undertaken in Poly House conditions, the required climate conditions can be maintained except the natural calamities beyond the reach of human being.

C) Irrigation Management

Cucumbers are grown successfully using trickle irrigation under controlled atmosphere conditions. One Bore well with Elect. Motor already existed in said Survey. 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, of the promoters

with continues flow of water for irrigation of crop as per discussion made with applicant at the time of field visit, so please ensure that at the time of sanction and disburse. Applicant has proposed to install drip irrigation unit and water storage tank. The estimated costs for drip irrigation, which are shown in Annexure – A, are reasonable and acceptable and cost of the water tank likely to be the present market rate. The EC of water must be less 1.5 /cm for Cucumber cultivation. If it exceeds the upper limit, then reverse Osmosis System must be installed to control the EC & TDS of water for survival of plants.

D) The unit is already supported with internal roads; drainage system and fencing. In this way, the location and site of project are suitable for cultivation of said crop verities provided to follow-up the above mentioned technical parameters.

3. CULTIVATION PRACTICES

Cultivation of Cucumbers involve following cultivation practices:

A) Plantation of seedlings:

Seedlings of three weeks age are planted in protected structure in the raised beds with 30-40 cm. distances in between plants. Cucumbers can be taken with a spacing 30-40 cm x 45-60 cm between the plants & rows respectively. Planting can be done in any month of the year under controlled atmospheric conditions.

B) Gap Filling

The plants, which do not survive, should be replaced with new plants to maintain the proper plant population so that production would not affect adversely. For this, it is proposed to purchase extra plants.

C) Plant protection Measures

Pests and disease in Cucumber: The principal pests of Cucumber are: 1. Board mite, 2. Fruit fly, 3.Spiral whitefly, 4. Thrips and 5. Nematode

The principle disease is: 1. Root rot 2.Bacterial Leaf spot 3.Powdery mildew 4. Leaf curl

Control: The preventive spray of following chemicals with a volume of 6 liters/spray at an averageinterval of once in week are suggested.

1. Dithane M-45 0.6 gm/litter (for powdery mildew)

2. Dicofol 2.75 ml/litter (for mite control)

3. Bavistin Gm/litter (Root rot)

4. Copper ox chloride (Bacterial leaf spot)

5. Diemethoate 2 ml/litter (Thrips and leaf rollers)

6. Imidacloprid(Aohids)

D) Harvesting

The stage of maturity at which Cucumbers are picked depends on the purpose for which they are grown. For market, the large sweet Cucumbers are usually picked at the Poly mature fruit stage. When harvesting Cucumbers, care should be taken not to injure the plants, as stems are brittle and will snap off very easily. A picking knife may help in removing fruit safely. Cucumbers usually begin flowering 1 month after planting and will take up to around 90 days from planting to first harvest which then continue until cold weather reduces yields or frost stops growth. An average yield is around 5 kg per plant.

E) Grading

After harvesting pre-cooling should be done to remove the excess heat followed by grading according to shape size, diameter and weight to fetch the better prices

F) Packaging

Cucumber can be packaged in simple cardboard cartons but to reach at distant market places CFB material is recommended, Cushion material should also be used in side the cartons to overcome the bruising and other losses.

G) Pre-Cooling

After packaging, flowers and Cucumbers should be pre cooled as soon as possible. Pre cooling reduces the heat produced by respiration, which prevents moisture from condensing on flowers, and decreases the amount of ethylene inside the package. So such it is very important for longevity of produce. Forcing cold air through boxes, which have cents at ends, best, does pre cooling.

H) Storage

After pre cooling, produce must be kept under continues refrigeration during distribution for maximum benefit. Pre cooling has little or no value if low temperatures are not maintained during subsequent periods.

4. UTILITY BUILDINGS

The unit is proposed to construct one grading cum Packing Room and Labour Quarter, It which are advisable.

5. TECHNICAL KNOW HOW

The applicant has adequate knowledge of cultivation of Cucumbers as well as other agricultural crops. Applicant is experiencing of growing of Vegetable crop in open field hence they are aware about allthe package of practices of the crop. Unit is having tie-up with reputed Company. Which will provide the support up to establishment?

6. BACKWARD LINKAGES

A. Raw Material (Planting Material)

The unit may be purchased the planting material for Cucumber seedling from Farming Solutions India. The cost of planting material is likely to be market price Rs. 15-35 per plant the price calculating the project cost (Annexure A)

B. Utilities

The total water requirement is estimated at 3600 liters per day in rainy & winter season whereas 10000 liters per day in summer days to meet the requirement of 10000 M2 area. The proposed site have good arrangement for continues water supply and promoters will construct the water tank for storage of water, it will helpful in irrigation purpose.

C. Electricity

The applicant has proposed to take power connection from Rajasthan Vij. Co-Ltd, which will supply theelectricity for 24 hours

D. Poly House and Other Plants and Machinery

The unit proposes to install the Poly House (in 10000 M2 area) is a reputed company. Drip Irrigation system and other plant & Machinery required by the unit are proposed to be acquired from the reputed irrigation Company.

E. Manpower

The unit proposed to recruit the manpower from local area where availability inin abundance

F. Transport

The transportation vehicles are easily available in local area to reach the product from site to market.

7. FORWARD LINCKAGES

Marketing

Local market at BIKANER is available for marketing the produce, besides it, the promoter will plan to make Tie-up arrangement with big malls and restaurant in Ahmedabad and also with exporter who will purchase the produce. It is a first unit in this area, at present in Ahmedabad Cucumber is coming from the Maharashtra and other big cities for malls, restaurants and for retails sale. Over and above BIKANER, Udaipur, Ahmedabad, Baroda, Surat, Bombay etc. have good demand for the Cucumber.

8. SUBSIDY

National Horticulture Board subsidy of 50% will be mate after completion of the project for whichapplicant has already apply in National Horticulture Board. Approval will issued by the N.H.B.

9. FINANCIAL INDICATORS

Internal Rate of Return28.94%
Debt. Service Coverage Ratio The Details are enclosed (annexure)1.87% 


Prime Security

1. Hypothecation of Poly House Construction

2. Hypothecation of Drip Irrigation, Implements, Equipments, Tools

3. Hypothecation of Civil work like water tank, store room, packing grading room, fencing etc.purchased out of bank loan


Annexure-I

Amount of Subsidy Sought

For Poly House – 10000 sq.mtr. , 

and other SupportingComponent Details of Subsidy @ 50% from NHB. 


Sr. No.ParticularCost (Rs. In Lacs)% of Subsidy from NHBSought for Amount of subsidy
(In Rs. Lac)
Name of the Scheme
1Premium Structure Poly House with Drip Irrigation &
High Speed cooling
100.0050%50.00NHB
2Drip Irrigation & High Speed
Fogger System
10.0050%5.00NHB
3planting material (vagetable)Bio Pesticides, Bio fertilizers & rich premium quality Vermicompost17.0050%8.50NHB
4Land Development, Fencing
and Gate
3.0050%1.50NHB
5Plastic Mulching For Weed Management Soil
Temperature Maintain
1.0050%0.50NHB
6Cost of Pipe & other accessories (6kg Fitting & 4kg Pipe)2.0050%1.00NHB
7Water tank5.0050%

2.50

NHB
8Power spray system1.0050%0.50NHB
9Trellising support system2.0050%1.00NHB
10Air Circulation Fans in poly house4.0050%2.00NHB
11Post Harvest Support & Processing30.0050%15.00NHB
12Labour Room & Staff Room4.0050%2.00NHB

Total179.00
89.50Restricted to 100 Lakh


Poly House

Cultivation of Cucumber

ANNEXURE - A


Sr.COST OF THE PROJECTAMOUNT IN RS.
APOLY HOUSE STRUCTURE/ IRRIGATION

Technical Specifications of Net House

10000 Sq. mtr. Premium Structure Poly House with Drip Irrigation & High Speed cooling10000000

Drip Irrigation & High Speed Fogger System1000000




Pipe line200000



BPlanting Material

Plastic Mulching For Weed Management Soil Temperature Maintain100000

Planting Material Bio Pesticides, Bio fertilizers & rich premium
quality Vermicompost
1700000



CPack House

Labour Room & Staff Room400000



DIrrigation Infrastructure

Water tank500000

Trellising support system200000

Air Circulation Fans in poly house400000

Power spray system100000

Post Harvest Support & Processing3000000



ELand Development, Fencing and Gate




Grand Total17900000


Financial Indicators

For proposed Cultivation area (in SQ.MTR): 10000


Sr.Particulars of Proposed InvestmentAmount (Rs.)
1Premium Structure Poly House10000000
2Drip Irrigation & High Speed Fogger System100000
3Planting material (vagetable)Bio Pesticides, Bio fertilizers & rich premium quality
Vermicompost
1700000
4Land Development, Fencing and Gate300000
5Plastic Mulching For Weed Management Soil Temperature
100000
6Cost of Pipe & other accessories (6kg Fitting & 4kg Pipe)
200000
7Water tank500000
8Power spray system100000
9Trellising support system200000
10Air Circulation Fans in poly house400000
11Post Harvest Support & Processing3000000
12Labour Room & Staff Room400000


17900000


Financial Parameter 


S.No.Financial Parameter Amount (Rs.)
1Cost of project17900000
2Average cost per mtr1790.00
3Promoters margin3580000
4National Horticulture Mission8950000
5Term loan (lakhs)143.20
6Internal rate of return28.94
7Debt service Coverage (average) ratio1.87
8Annual income from the activityAmount

1st Year:64.80

2nd Year:66.60

3rd Year:68.40

4th Year:70.20

5th Year:72.00

6th Year:73.80


Annexure-II

Cost of Project & Loan Amounts


Sr.ParticularLoan 80%Margin 20%Total Cost in Rs. Lac
1
Premium Structure Poly House with Drip Irrigation & High Speed cooling
80.0020.00100.00
2
Drip Irrigation & High Speed Fogger System
8.002.0010.00
3
planting material (vagetable)Bio Pesticides, Bio fertilizers & rich premium quality Vermicompost
13.603.4017.00
4Land Development, Fencing and Gate2.400.603.00
5Plastic Mulching For Weed Management Soil Temperature Maintain0.800.201.00
6Cost of Pipe & other accessories (6kg Fitting & 4kg Pipe)
1.600.402.00
7Water tank4.001.005.00
8Power spray system0.800.201.00
9Trellising support system1.600.402.00
10Air Circulation Fans in poly house3.200.804.00
11Post Harvest Support & Processing24.006.0030.00
12Labour Room & Staff Room3.200.804.00






Total Project Cost143.2035.80179.00

Note: propose back subsidy availed from National Horticulture Board against structure and other component said expected subsidy may be diposited by said organisation in the bank.


RECURRING EXPENDITURE FOR CUCUMBER CULTIVATION

ANNEXURE - B (Amt in Rs.)


S.No.PARTICULARS1-YR2-YR3-YR4-YR5-YR6-YR








1Planting Material150000160000170000180000190000200000
2Manures & Fertilizers95000100000105000110000115000120000
3Pesticides & Fumigants95000100000105000110000115000120000
4Electricity/Water Charges580005800058000580005800058000
5Labor600006500070000750008000085000


000000
6Packaging + Transportation500005500060000650007000075000

FOR 1 TIME CROP EXEPEN508000538000568000598000628000658000

FOR 2 TIME CROP EXEPEN508000538000568000598000628000658000

FOR 3 TIME CROP EXEPEN508000538000568000598000628000658000

TOTAL152400016140001704000179400018840001974000
















* Already capitalized


YIELD AND INCOME STATEMENT


Area (m2)10000






Plant popoulation/m2
3





Total no. of plants
300001-YR2-YR3-YR4-YR5-YR6-YR
Particulars

100%100%100%100%100%100%
Yield/Plant(Kg.) for 3 crop

121212121212
Total Yield(Kg.)

360000360000360000360000360000360000
Rate

18.0018.5019.0019.5020.0020.50
Income-Selling

648000066600006840000702000072000007380000


Financial Outlay 6 years Repayment Schedule


Total Financial Outlay Rs.17900000
Bank Loan RS.80@% Rs.14320000
Margin Rs.20@% Rs.3580000
Rate of Interest Rs. 9%


Projected profitability Statement and Repayment

Particular1st year2nd year3rd year4th year5th year6th year
Total Sales64.8066.6068.4070.2072.0073.80
Total Exp.15.2416.1417.0417.9418.8419.74
Gross Profit49.5650.4651.3652.2653.1654.06
Interest on loan12.3410.588.616.444.081.49
Net profit /loss37.2239.8842.7545.8249.0852.57
Term loan23.8723.8723.8723.8723.8723.87
Net surplus37.2239.8842.7545.8249.0852.57
D.S.C.R.1.561.671.791.922.062.20
Average D.S.C.R.1.871.871.871.871.871.87
I.R.R.27.6928.1928.6929.2029.7030.20
Average I.R.R.28.9428.9428.9428.9428.9428.94