Q : What is the life cycle of emu?

Answer: Emus generally find partners in summer, December-January, and breed in the winte r months, May-August. If conditions are bad, such as a severe drought, emus may not breed at all, or the female may only lay a few eggs. In excellent conditions she may lay a larger than usual clutch of eggs. The large green eggs are laid g radually over several days, usually 5-9 days. The female then leaves and the mal e sits on the eggs for 8 weeks until they hatch. He hardly leaves the nest, and does not eat much during this time. The chicks are cream coloured, with dark str ipes running from head to tail. The chicks stay with the male for about 18 months. He misses the next breeding s eason. The female does not stay with the eggs or chicks. Because the climate may be harsh, it takes a while for her to regain her energy so that she is ready to breed in the next season with a different male. *** Emu forecast for 2011. I just saw an email from one of the emu enthusiasts from Andhra Pradesh. The new s is interesting. There are few big emu farmers from two different locations, formed a JV to set u p a two Emu Slaughtering Units at a cost of Rs.4 Crores each. They are planning to purchase 16-18 month old bird at Rs.315 - 325/- Kg on live weight and a minim um weight for the birds is 50 Kgs. The price roughly works out to Rs.31,000/- pe r pair of 18 month birds. That's a very good price considering the current marke t rates. The plants are expected to come up live in mid-2011. Now, GCC (Gulf Coo peration Council - Saudi, UAE, Bahrai, Oman, Kuwait, Qatar) countries are the po tential and easily accessible target for emu meat from India. *** Emu Farming - Frequently Asked Questions Emu Farming is quite complex subject for newbies, it seems. May be they are unab le to search for information in the 'net world'. For the people, who are eager t o start the emu farm, but worried inside whether this is good, and will i be abl e to retrieve the profit, and host of other questions in mind. To address the concerns of newbies, I am giving a FAQ on emu farming based on my experience and what I have studied. If you have questions unanswered here, plea se write to me at jmemufarm(at)gmail(dot)com. Qn.# 1. Can Emu birds live in Harsh Weather Conditions? Ans: Yes. It can live in varied conditions, from hot desert to cold climates. Ho wever, if it has to mate and lay more eggs, the climate shall be moderate cool, i.e., 28-32 degree celcius. Hill climates are good for this throughout the year, anyhow, during winter season, most of India has this climate, hence, there won' t be any issues across various states of india. Qn.# 2. Does it require a shelter? Ans: Yes. Shelter may be small enough to accommodate during raining and for mati ng. It enjoys water, whether it is rain or pond or shower. During mating, it nee ds some secluded space, otherwise, it feels shy, and will not mate. Qn.#3. Does other animals co-habit with Emu?

Ans: Partially Yes. We have not seen other birds are grown side-by-side. In fact , emu is highly resistant to normal diseases affecting other birds (e.g., chicke n, etc). Ranikhet is the major disease known to affect Emu seriously. Hence, avo id other birds, if they are susceptible to carrying Ranikhet, in your farm or ne arby farms. Qn.#4. Does snakes bite Emus? Ans: Emu can run away from Snakes, or it will just throw it away using its peeks . Normally, Sankes won't come near to emus. Qn. #5. How to manage the eggs, until it is collected by the buyer? Ans: You can keep Emu Eggs in a slightly cool condition (a dark place in your ho use or farm house or inside the earthen pot). Handle them without shaking, and p lace it in horizontal way. Do not stack eggs one on the other. Use, soft materia l to separate eggs. There are thermocol boxes available. You can buy them and us e it to store. Do not keep the eggs for more than 7-days, its hatchability may r educe. While collection of the eggs from the field, use Dettal with cotton to wi pe out any dirts. *** One thing, I noticed, would be a hurdle in fixing the price. The feed cost is ve ry high, when we consider growing emu for meat purpose alone. So, either the fee d cost must come down, or the meat cost must go up, say to Rs.750/kg. With the current supply and demand situation for emu meat, I bet it would reach up to Rs.750/Kg, soon. *** Emu processing units are coming up, in Andhra Pradesh, and Tamil Nadu. If my gue ss is correct, there will be 4 units in South India by end of 2011. These units are mainly focusing on slaughtering. Emu Oil processing requires special permiss ions, hence only few in the entire country will be able to do it, commercially. *** http://www.agricultureinformation.com/forums/consultancy-services/61075-emu-farm ing-export-based-consultancy.html ***

The price offered are Rs.250/Kg live bird weight at the Slaughter House Gate. Th is seems to be pretty standard rate. I believe this rate will go up once the Emu Meat Market demand is picking up. *** http://www.emufarmingindia.com/ *** Emu Meat - Some Commercial Aspects

Emu Meat is already getting into food plates in some selected cities in India. There was a hype in the Emu Farming community for not going into slaughtering. T hat is, we need more emu birds to feed the population if they are tasted and add icted to emu meat. Verily True. But, if we wait for the time to come, the small farming community will find it unable to feed the emu birds and chicks, and even tually collapse. This is a happening in Tamil Nadu now. In an average, a Emu chick eats 0.5 Kg per day for first 12 months (Note, average... actually it increases from 100g to 200g and upto 650 grams per en it reaches 12 months). When it reaches 18 months, it will start eating ams per day. But the growth is from 450 grams it will reach 45, 000 grams opping 100 times growth in 18 months. Let's look into some statistics of Emu Meat's commercial aspect: If you look deep into the chart above, you will see Fully grown Emu (18+ months) weighs around 40-45 Kg. Let's take 40 Kg in a moderate account. Live Weight: 40 Kg Feather, etc: 10 Kg (considered waste, but somehow people can sell it for some m oney.) Meat: 20 Kg (In Indian conditions, we don't completely remove bones in the salea ble meat) Bones: 5 Kg (reasonably big bones) FAT: 5 Kg (the fat shall be blood-free, means, no blood droplets shall be found in the fat). To feed enthusiastic and health-conscious upper middle-class and above, they wil l be frenzied about this meat. It is beleived that rheumatism subsidies after ea ting emu meat. Currently they are paying around 300-450 per Kg, but when the dem and is high, and the supply is low, the price will go up. Now more people will b e frenzied about emu farming, and jump into it. Just remember, we are still grow ing emus in a seasonal agri-business industry. *** Scientific Name : Dromaius Novaehollandaiae Country of Origin Australia Height : Can grow up to 5' 5" Weight : Can weigh up to 50 kg Age : Can remain fertile for 20 Years and can live for 40 years No. of Eggs Laid : 8-12(Breeding Year 1), 15-22(Breeding Year 2) and 25-35 (Year 3) Incubation Time : Up to 56 Days : in an day wh 1000gr - a wh

Feathers : Grey/Brown with whitish patch around the neck Face and Neck : Some parts of the neck and the face does not have any feathers. The skin color i s normally very dark. Feet and Legs : Emu Bird has large feet with three toes. Their feet and legs are dark in colour. Feed : Emu bird eats wild fruits, seeds, leaves, herbs and shrubs. They normally eat du ring the day. Mating : In India emu birds mate between October to March. Most emu produce eggs during t he age of 2 years while some can take upto 3 years to breed. During the first ye ar of mating an emu hen lays about 8-15 eggs. The number of eggs increases in th e subsequent years to 20-35. The eggs can weigh around 600 to 800gms. After the emu hen lays the eggs the male emu builds a nest and incubates the egg s. During the incubation period the male emu does not eat or drink. It is only a fter incubation that the male emu eats the eggs shells to gain digestive strengt h. Incubation : Emu eggs are incubated for 56 days after which the chicks are hatched. It should be made sure that during incubation correct temperature, humidity and rotation is maintained. There should be adequate supply of oxygen and the incubation area should be disinfected properly. *** BUY AND SELL We engage in buying and selling of a variety of emu products. The cost of differ ent items varies with the quality of the item. We will be able to provide you wi th the best emu chicks and eggs in your area. EMU CHICKS : 1 Day Old - Rs 4,000 - 7,000 Per Pair 1 Month Old - Rs 7,000 - 9,000 Per Pair 3 Month Old - Rs 10,000 - 14,000 Per Pair 12 Month Old - Rs 24,000 - 40,000 Per Pair : 24 Month Old - Rs 35,000 - 50,000 Per Pair 35 Month Old - Rs 45,000 - 70,000 Per Pair 3 - 10 Years Old - Rs 75,000 onwards Per Pair

BREEDER PAIR

PROVED BREEDERS : EMU EGGS EMU FEATHERS : :

Fresh Laid Eggs - Rs 1200 - 2500 Per Egg 1-3 Week - Rs 500 - 1,500 Per Kg

CONTACT : +91-7696279251, sales@emufarmingindia.com We sell and purchase artistic emu eggs and other decorative items. For bulk orde rs please contact us on the above mentioned phone number or email address. We re vert back to you within 24 Hours with a quote. ***

A project involving 10 pairs of emu on 5000sq. feet of land. *** Emu Eggs - Some Facts Now, Emu industry is quite, because everyone is concentrating on collecting eggs , and monitoring their hatcheries. This is the Egg Laying season, and several of them already have chicks in their Hatcheries. Let's look into some interesting facts about Emu Eggs. Laying Cycle: Emu birds lay eggs in a cycle of 5 or 6 eggs in a month. After each cycle, there will be a gap of one week. Gap between two eggs is 72-74 hours (3 days). Emu Eggs weighs 400grams to 700 grams in general. Average weight is 550 grams. In an average, there will be 4-6 cycles every season. (5x4=20eggs min; 6x6=36egg s max) Eggs will be laid in evenings or in early mornings. You can collect them around 6.30 pm to 7.30 pm. Egg Types: Each egg from a pair will be of same size and same weight, most of the times. Eggs are in dark green color with thick shell. Eggs are sometime in light green (whitish) color, which shows that some nutrient s are missing, especially calcium. Add calcium supplements to the feed. Sometimes, you will get shell-less eggs - eggs with just thick white membrane. This is caused by serious calcium deficiency. Add seashells powder to the feed. Eggs rarely formed a double-yoke. Double yoke eggs weigh almost 900grams to 1200 grams. These are useless, they never hatch. Better use it for "Big Family Omlet te or Party Omlette" Egg Handling: Egg handling does decide the hatchability of the Eggs. Egg has to be collected shortly after the laying. Do not leave it in open yard f or too long. Egg has to be cleaned before storing. Clean it with a Warm water, and then use a n antiseptic liquid with a cotton to clean it. This is to prevent bacterias. Store the eggs in below normal temperature, say 22-26 degree celcius. If you cou ldn't maintain at that temperature, use a dark place to store it. A earthern pot is also useful. While storing the eggs, keep them in horizontal state. Do not keep them upwards. Use it within 7 days of storage (in a dark room condition). If you are storing a t 22-26 degrees, you can keep it for upto 3 weeks (I have tested and the hatchab ility is 80%). While transporting from location to another location, use a thermocol box, which has been designed to carry the eggs. Otherwise, road conditions may prove fatal for the eggs. Egg Buying: Eggs are sold to Hatcheries, where people do not have their own incubators. Do not buy eggs from a distance of not more than 3-hours travelling time. To ensure the air bag is intact inside the egg, use a warm water to test the egg s. If the air bag is intact, the Egg will float. Otherwise, it will sink. Visit the farm atleast once, where the eggs are coming from. Teach them the abov e mentioned Egg-handling habits. ***

Income (Per 20 Birds) First Year : Rs 90,000/-* Second Year : Rs 90,000/-* Third Year : Rs 90,000/-* Forth Year : Rs 90,000/-* Final Year : Rs 2,90,000/-* *Conditions apply ***

Total Income : Rs 6,50,000/Investment : Rs 2,00,000/Net Profit : Rs 4,50,000/-* (Just in 5 Years)

Emu Farming training is provided by few, govt and private. In Tamil Nadu, Emu Re search Centre (under TANUVAS) is providing three-day emu farming training course on a subsidised rate. Please call them to find out the next dates. In Hyderabad , I understand there are some training from Veterinary authority, please check t he local emu farmers association. *** "How to" of Emu Farming In recent days, I have received several queries asking my phone number to call o n to check more information such as pricing, etc. My humble opinion about this i s: If you are really serious about emu farming, get to the ground. Do not do arm -chair learning. This is not an IT course to learn that way. Before you get on to the emu farming, you need to know the following: What is the business model of your Emu Farming Chicks to Breeder and selling eggs, Breeder and selling eggs, Breeder -; Eggs --; Hatchery -- Chicks for Sale, B-Eggs-Hat-Chicks-->12-month birds for Meat purposes Each requires, different amount of investment. Please remember, this is money-in tensive business. To certain extent, you need to invest, the rest you can go for bank loans. Do you have enough resources (all Ms, such as money, manpower, etc) Cashflow statement for the business (how much money needed to run the show, till you get the returns). Please remember this is a seasonal business, cashflow wil l be the BIG issue, if you have not planned in advance. Visit as many as emu farms to find out the commonality and difference between ea ch one of them, and speak to the farm owners and employees to know more m in fac e-to-face. Many farm-owners do not entertain people to ask questions to them abo ut emu farming. Some even charge entrance fees and consulting fees to speak abou t. Emu Farming training is provided by few, govt and private. In Tamil Nadu, Emu Re search Centre (under TANUVAS) is providing three-day emu farming training course on a subsidised rate. Please call them to find out the next dates. In Hyderabad , I understand there are some training from Veterinary authority, please check t he local emu farmers association. Decide on what mode you want to startup, (a) with Breeders or (b) with Chicks. Chicks rearing is most suitable for people with patience, because they need to w ait for long (remember cashflow...!!). Breeders rearing is for people with deep pockets, and wants to see immediate ret urns. Be careful in choosing the breeder, since you do not know whether it is an adult bird or to-be adult bird, because all the birds do look similar after 11months, except some minor differences. Only the trained eyes will identify them. Check for history of egg-laying while you buy for breeders. Most of them won't m aintain records, but some will do. This is very common, since they seldom separa ted breeders into individual pairs. Hence, tracking the number of eggs laid by e

ach breeder is difficult. Average eggs per season could be somewhere between 2025 per breeding pair. Observe the types of pens to cage the birds, and space required, etc during your farm visits. Employ the trained farm workers, else, train yourself before you train your farm workers, on how to handle the birds and how to give oral medicines, administer injections, etc. Emus are known to kick vigorously and severely cause injuries, if not handled properly. Devise a feed management scheme. Either you prepare them, or buy it from feeds m anufacturers. Devise a vaccine administration scheme, and explain to your farm workers. Follow whiteboard method. Maintain registers for both feed mgmt, vaccines, and eggs-laying. Think about whether you have enough money to set-up Incubator to produce chicks. Chicks management is altogether a different story. It is very difficult and you need enormous preparation for that, like Diesel Generator, 24x7 monitoring & tr oubleshooting for 6-months, separate chicks brooders, vaccinations, etc. If you cannot afford it, please do not try hatcheries. Get Insurance for your birds. Know a veterinary doctor near by. All in all, keep in mind that, this is a seasonal business. You may not be engag ed all the days of the year. So, try integrated farming, like goat farming, and use your hatchery to hatch quail eggs for the remaining 6-months period. You must enjoy visiting your farm every day, and keep looking at minute things l ike health of your birds and animals. I have given some of the starting pointers to ponder about. People doing busines s based on their conviction of doing that. No one can force it to them and they should not take it for granted too. If you are not convinced and do not have co nviction about what you are going to do, do not get into that. Just enjoy watch ing. All the best to your Emu Farming. *** from medici And, this bird from Down Under will also provide a range of products ne to cure low sperm count and warm jackets to cholesterol-free and odourless eg gs. "The softness of Emu feathers gives it the edge and pillows made of these ar e good for children in their formative stages," says Yuvraj Goel, a director of Emu Farm Agro. "Emu feathers are also used to make dusters and key chains. These products range from Rs 150, depending on the quantity. Jackets made of Emu leat her and fur are also popular. Reversible jackets have been introduced in the mar ket that cost about Rs 7,000," said Goel. [Courtesy: Times of India] *** NABARD assistance for Emu Farming Many a times, there was a discussion going on in forums or emails received in vo lumes asking about govt assistance on emu farming. We have something here in X f ive year plan by Govt of India, through NABARD. A Fellow emu farmer and my friend, Mr. Vidyasankar of PAN Emu farm has sent this email to me on NABARD assistance on Emu Farming. I am posting here for other pe ople to know of the assistance. Please look at the underlined statements, which shows that you need only 10% of

the total cost of the project. Remaining 90% can be given by Banks. This information also available at: OPERATIONAL GUIDELINES ON CENTRAL SECTOR PLAN SCHEME DAIRY/POULTRY VENTURE CAPITAL FUND 1. Background 1.1 Dairy Milk production in India is characterized by small rural producers scattered all over the country accounting for about 70 per cent of production. Although the o rganized sector, which produces western type products also has shown fast growth in the last three decades, it still accounts for only 15 per cent of the total milk produced in the country and a far larger proportion of milk continues to be marketed by the unorganized sector - comprising innumerable vendors, small proc essors, merchants, manufacturers and retailers of indigenous milk products like khoa, paneer, dahi and milk based sweets, etc. But the main problem in the unorg anized sector is quality, which creates a serious threat to the health of consum ers. Unsanitary local conditions, unhygienic containers, substandard processing equipment, poor handling methods, breaks in the cold chain etc contribute to poo r quality and at times unsafe milk in the unorganized sector. To bring about str uctural changes in the unorganized sector, the measures like processing at villa ge level, process and market pasteurized milk in a cost effective manner, qualit y up gradation and up gradation of traditional technology to handle commercial s cale using modern equipment and management skills, it is proposed to introduce t he dairy venture capital fund scheme under which assistance can be provided to t he rural beneficiaries under a schematic proposal through bankable projects. The se projects should include activities like private veterinary clinics and other support services needed for the growth of the sector. 1.2 Poultry With the various efforts made by the Government of India, ICAR, State Government s, Financial Institutions and private sector etc. poultry has developed well in the country. However, these efforts have resulted in growth only in a few states and a considerable segment in the poultry sector is still unorganized and is sp read over in the form of small farms in far-flung areas that still need organize d efforts to exploit this potential. The training and marketing also continue to be the weakest link in various poultry development programmes. Due to these lim itations, poultry development, particularly, in the North Eastern States and Eas tern states is still at a very primitive stage. In the absence of organized mark eting and training programme the poultry development programme is not able to re alize its full potential. 2. Objectives 2.1 The main objective of the scheme is to create a venture capital fund for pro viding financial assistance to agricultural farmers/ individual entrepreneurs an d groups of all sections of unorganized as well as organized sector for the foll owing purposes: To promote setting up of small dairy farms for milk production To bring structural changes in the unorganized sector; processing and marketing of pasteurized milk at village level To bring about upgradation of quality and traditional technology to handle milk on a commercial scale http://dahd.nic.in/guideddpaulfund.htm

 To boost the unorganized poultry sector in states where development is in primit ive state and also to give incentive and create infrastructure facilities for ex port of poultry products by organized sector from advanced states Establishment of poultry and breeding farms with low input technology and also f or other poultry species Setting up of poultry feed plant/ laboratory Setting up of egg grading, packing and storing facility for promoting export Marketing of poultry products (specialized transport vehicles, cold storage etc) 3. Activities/Total Outlay/Area of operation covered under the scheme: 3.1 The funds will be distributed among dairy and poultry activities with an ove rall ratio of 2:1. The following activities will be funded under the scheme eith er individually or in combination. (A) Components, which can be funded under dairy sector: 1. Establishment of small dairy farms upto 10 animal units (Buffalo and crossbre d cows) for milk production - Rs.3.00 lakhs - only in non-operation flood areas 2. Purchase of milking machines /milko testers / bulk milk cooling units (upto 2 000 lit capacity) - Rs.15.00 lakhs 3. Purchase of dairy processing equipment for manufacturing indigenous milk prod ucts - Rs.10 lakhs 4. Establishment of dairy product transportation facilities including cold chain Rs.20.00 lakhs 5. Cold storage facilities for milk and milk products Rs.25.00 lakhs 6. Establishment of private veterinary clinics Rs.2.00 lakhs for mobile and Rs.1 .50 lakhs for stationary clinics. (B) Components, which can be funded under poultry sector: 1. Establishing poultry breeding farms with low input technology birds and also for ducks/turkey/guinea fowl/Japanese quail/emu/ostrich etc Rs.30.00 lakhs 2. Establishment of feed godown, feed mill, feed analytical unit Rs.16.00 lakhs 3. Marketing of poultry products (specialized transport vehicle, cool room stora ge facilities and retention shed for birds etc) - Rs.25.00 lakhs 4. Egg grading, packing and storage for export capacity - Rs.80.00 lakhs 5. Retail poultry dressing unit (upto 300 birds per day) - Rs.5.00 lakhs 6. Egg/broiler carts for sale of poultry products - Rs.0.10 lakhs 7. Central grower unit (12,500 birds per batch and 4 batches per year) -20.00 la khs. The Scheme can be implemented in any part of India. However, thrust needs be giv en in states like Uttaranchal, Maharashtra, U.P., Karnataka, Tamil Nadu,. Punjab , M.P, Orissa, A.P., Rajasthan, and North-Eastern states during 2004-05. For N.E . states an allocation of Rs.2.0 crores out of Rs.7.2 crores may be made while S .B.I, P.N.B., Indian bank and Canara Bank have promised to take lead in implemen ting this scheme, other commercial banks, cooperative banks and regional rural b anks may also participate as per the field level demand. 4. Eligibility 4.1 The eligible beneficiaries shall include agricultural farmers/ individual en trepreneurs and groups of all sections of unorganized as well as organized secto r. Preference may be given to traditional sweet makers (Halwais) to improve qual ity and hygiene of their products. In poultry, preference will be given to Pher iwalas, which will generate self-employment for urban poor. Veterinary Science G raduates alone will be considered for providing loan under the component of vete rinary clinics. 4.2 The indications given in Paragraph 3 above only show the maximum outlay of t he project to be included under the scheme. The State level Review and Disbursem ent Committee will ensure that maximum number of units receives the benefit unde r the scheme and the spread of the proposals approved is not limited to one area

/activity. 5. Preparation of Projects 5.1 The borrowers selected by identified banks will be financed for specific act ivities under dairy/poultry sector and assisted under the scheme. The borrowers will prepare a bankable project and submit it to the banks for consideration und er the scheme. The fund provided by DAH&D will be kept with NABARD and will act as a revolving fund from which the beneficiaries under the scheme will be given a interest free loan of 50% of the total cost of the project/proposal subject to the ceiling indicated above in Para 3. 10% of the total investment will be born e by the borrower as his margin and the bank will charge an interest rate applic able as per their norms on the balance loan amount of 40% of the project cost. T his will help the borrower in reducing his interest burden. A list of schemes/co mponents, which may qualify under this scheme, has already been described above in Para 3. The Banks will adhere to their own appraisal norms. However, the chec klist to facilitate the compliance of the requirements of formulation/scrutiny/a ppraisal in respect of the scheme will be provided to the banks by NABARD. 6. Implementation period and funding pattern 6.1 The scheme will be implemented during the X Plan period. It is an umbrella p roject under which individual schemes will be sanctioned. 6.2 There is a provision of Rs.7.20 crores for the scheme during the current fin ancial year 6.3 Scheme funding/ Pattern of Investment: Entrepreneur s Contribution: 10% of total outlay Revolving Fund s (GOI)share:50% of total outlay - no interest Bank s share: 40% of total outlay - interest as applicable to agriculture loans 7. Implementing Institutions 7.1 NABARD will be the Nodal Agency for implementation of the scheme. The scheme will be implemented by Commercial Banks, Cooperative Banks and RRBs. 8. Disbursement of Loan/Revolving Fund 8.1 The financing bank will disburse the loan within 7 days of the approval of t he State Level Review and Disbursement Committee to the borrower to whom the loa n has already been sanctioned. The Bank will not charge interest from the borrow er on the amount received by it from the revolving fund. 9. Submission of proposals for release of interest free loan portion 9.1 The format in which the banks will claim the interest free loan amount from the revolving fund is enclosed at Annexure II. The Bank s controlling office will submit the consolidated claim, activity wise to NABARD RO on a fortnightly basis . 10. Sanction of project and release of amount from Revolving Fund and Repayment of loan 10.1 For the first year, NABARD ROs will implement the scheme in the states iden tified and launch the scheme with the participation of the banks in all the dist ricts. The bank will identify beneficiaries for the activities under the scheme. 10.2 The project will be sanctioned by the bank after proper scrutiny as per its laid down procedure and satisfying itself that the proposal is viable and meets the conditions prescribed under the scheme. The bank will submit its claim in t he prescribed format to the Regional Office of NABARD after sanction of the loan proposal. 10.3 The State level Review and Disbursement committee headed by RO, Incharge of NABARD will have representatives of leading banks, other banks expected to part

icipate in the scheme and the Animal Husbandry and Dairy Departments of the conc erned State Govts and will meet at least once in a fortnight. Thus, the maximum time taken to clear a proposal will not be more than 15 days. 10.4 Fifty percent of the total outlay i.e. the interest free loan portion, out of revolving fund, will be released by NABARD to the bank after scrutiny of the claim. For this, the State level Review and Disbursement Committee (SLRDC) will accord approval for disbursement of loan on the basis of first come first serve basis and considering the merits of the case and authorise release of the amount by NABARD Head Office. The Committee will ensure the timely disbursement of loa n preferably with in 7 days, once it is approved. Accordingly, NABARD HO will re lease the amount to the participating banks from the revolving fund. A ratio of 2:1 may be maintained between the loan released for dairy and poultry sectors re spectively at the national level. 10.5 The bank will release the entire loan amount in instalments depending upon the progress of implementation of the project. The bank will affect recovery as per its prescriptions and will return pro rata of the recovery made to NABARD fo r crediting towards the revolving fund on an annual basis. 11. Repayment of Loan 11.1 Repayment period of loan will depend upon the cash flow and will be up to a maximum of 7 years including grace period of two years. Any deficiency in repay ment in the project will be the responsibility of the bank as the borrowers are to be identified and selected by them. 12. Recovery/Passing on Revolving fund amount 12.1 The recovery of loan , when made will be divided between GOI s and bank s share of loan on pro rata basis. 13. Unit Cost 13.1 The maximum outlay of the project for individual borrowers has been given i n Para 3. Unit cost will depend on the type of investment, size of operation, an d type of equipment and infrastructure needs. The State level Review and Disburs ement Committee at the Regional Office of NABARD will consider the above factors while deciding on the interest free loan amount to be released. 14. Refinance Assistance 14.1 NABARD would provide refinance to participating banks for 90% of the amount financed by the banks as term loan. Rate of interest on refinance will be decid ed by NABARD from time to time. 15. Security Norms 15.1 The security norms will be as prescribed by Reserve Bank of India from time to time. 16. Adjustment in Borrower s Account 16.1 The bank can charge interest as per its norms on its portion of the loan ac count but should not charge any interest on amount drawn from the revolving fund . The bank will disburse the loan amount after it receives interest free portion from the revolving fund. It shall recover the loan amount as per instalments pr escribed and pass on pro rata portion of the amount recovered back to NABARD on yearly basis. The loan amount will vary depending on the purpose for which the l oan is given. 16.2 Regular repayments will make the borrower eligible for interest subsidy on

the bank loan portion (to the extent of 40% of the outlay) upto 50% of the inter est payable. The bank will charge the usual interest amount on this portion and for only the regular repayment; it will claim 50% of the amount interest charged from NABARD as subsidy. On receipt of the subsidy from NABARD the amount will b e credited to the borrower s account. This subsidy will be claimed from NABARD on yearly basis as per the format to be prescribed by NABARD. 17. Monitoring 17.1 The National level Joint Monitoring Committee will be headed by Joint Secre tary, Dairy Development (Dept. of AH and Dairying, MOA, GOI) and will have repre sentatives of NABARD, State Bank of India, UCO Bank, Punjab National Bank, Canar a Bank and Indian Bank and Secretaries of AH and Dairy Development of four State Governments on rotational basis. This Committee will formulate guidelines for t he implementation of the scheme and monitor the implementation of the scheme. NA BARD will closely monitor the units financed and will conduct periodic inspectio ns to verify the utilization and study the working of the scheme. 17.2 The State level Review and Disbursement Committee (SLRDC) will be headed by RO of NABARD and will include representative of banks expected to participate i n the scheme and Animal Husbandry and Dairy Departments of the concerned State G ovt. The Committee will authorise release of the interest free loans as well as the interest subsidy to banks. The Committee will meet on a fortnightly basis an d send bank-wise, activity-wise and district-wise statement to GOI and NABARD HO on monthly basis. It will also help in popularising the scheme in the state. Th e RO, NABARD will also be the convener of the SLRDC. 17.3 The participating banks will conduct periodic inspections of the units and give a feed back to the Joint Monitoring Committee on a consolidated basis and t o the State Level Review and Disbursement Committee at the State Level on any de viation / misutilisation of funds. 17.4 On completion of the project, the participating bank would submit a complet ion certificate to DAH & D through NABARD. 18. Role of various agencies 18.1 NABARD To administer the revolving fund and conduct fortnightly meeting of State Level Review and Disbursement Committee along with financing banks and Animal Husbandr y and/or Dairy Department of the concerned State. To scrutinize the claims of the bank and release the amount claimed To monitor the scheme on a regular basis and provide a report to DAH&D, GOI on m onthly basis. To plan for improvement and expansion of the scheme for future, based on the fee d back 18.2 Banks To identify, receive and sanction the projects received from the borrowers for v arious purposes identified under the scheme and disburse the loan amount within 7 days of approval by State Level Review and Disbursement Committee. To recover the loan amount as per repayment schedule and repay the amount recove red on the loan portion out of the revolving fund to NABARD on yearly basis. To provide feed back on implementation of the scheme at State and national level . 18.3 Role of DAH&D To convene the meetings of the Joint Monitoring Committee regularly and review t he implementation with NABARD and financing banks. At least one meeting will be held in each quarter.

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To plan and expand the scheme in future as per the feed back received from NABAR and financing Banks. To undertake field visits of projects on sample basis and make funds available a and when needed

19. Publicity 19.1 NABARD and the implementing banks will make efforts for wide publicity at t he district and State levels through organisation of Workshops and through Farme rs Clubs, Non-Governmental Organizations and rural branches of financing banks. 19.2 The members of the State Level Review & Disbursement Committee will also he lp in popularizing the scheme. 20. Other conditions : * A signboard at the site "DAH&D Assisted Project" will also be exhibited. * DAH&D reserves the right to modify, add, and delete any terms/conditions witho ut assigning any reason. * DAH&D's interpretation of various terms will be final. * DAH&D reserves the right to recall any amount given under the scheme without a ssigning any reason thereof. * Any other pre & post inspection would be undertaken by DAH&D representative to find out the physical & financial progress as and when required. *** http://emufarming-guide.blogspot.com/ ***