Agriculture:- Model Bankable Projects in India | Minor Irrigation : Dugwells Part - 3 --- www.nabard.org

Agriculture:- Model Bankable Projects in India Minor Irrigation : Dugwells Part 3

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ANNEXURE- I Guidelines for Selection of Well Sites Broad guidelines for financing institutions to enable them to decide upon the suitability (or non-suitability) of the site for new wells are given below : Guidelines for Location of Wells : Areas included between two nalas near the confluence having a soil thickness of over 30 cm and weathered mantle of over 5 meters (A weathered mantle comprises of morum, loose sandy material, etc.) 2.      Alluvial flats close to river or streams. 3.      Depressions in landscape having more than 30 cm of soil cover and 5 meters depth of weathered mantle. 4.      On the banks of nalas towards the high ground provided the banks are not clayey. 5.      Zone of luxuriant, vegetation with leafy plants. 6.      Old courses of rivers and streams which are represented by presence of sands and gravels. 7.      Near the sharp bends of the streams or rivers. 8.      Damp or moist areas. Wells should not be located in : 1.      Areas where hard rocks are exposed. 2.      Areas adjoining ridges and spurs and within about 50 meters of them. 3.      Areas with a soil cover less than 30 cm. 4.      Areas with a weathered mantle less than 5 meters in depth. The thinkness of the weathered mantle can be roughly determined by looking at existing wells in the nearby area. If no wells exist, the exposures in nalla beds will give an indication of the depth of weathering. The above guidelines, if rigidly followed, would minimise the chances of failure of wells and ensure location of wells in the groundwater worthy areas.

ANNEXURE-II CHECK LIST Minor Irrigation Groundwater Development Schemes

(To be completed by Bank Officer forwarding the Scheme)

Tick in boxes to signify that the relevant information has been furnished in the scheme.

1. Name of scheme : 2. Scheme location : 3. Area - geographical area, cultivated area and area irrigated by different sources : 4. IMD normal rainfall : 5. Geological formations 6. Present level of groundwater development giving number of wells, filter points, tubewells, and other structures with unit draft/year for each : 7. Length of canal and distributories with wetted perimeter and number of days of running in the scheme area : 8. Soil conditions, cropping pattern and crop water requirement : 9. Stage of groundwater development and category of block as indicated by NABARD : 10. Chemical Quality of groundwater : 11. Spacing between different types of minor irrigation works : 12. Groundwater draft per well and total groundwater draft under the proposed scheme : 13. Design of minor irrigation works : 14. Specifications for pumping machinery, diameter of suction and delivery pipes, discharge, total head and HP of pumpset : 15. Cost estimates of minor irrigation works : 16. Area map : 17. Yearwise physical programme and financial outlay : 18. Availability and arrangement for procurement and distribution of material : 19. Financial returns on investments with reference to representative size of holdings in different agro-climatic zones in the scheme area : 20. Lending terms i.e. interest rate, down payment, repayment period, extent of subsidy, etc. : 21. Agency providing crop loan and its adequacy : 22. Supervision and monitoring arrangements : 23. Technical guidance for location of wells, specifications and design, selection of pumpsets, etc. : 24. Availability of extension services : 25. Availability of power /diesel supply : 26. Availability of seeds/fertilizers, pesticides and their distribution :

Annexure III PRE-DEVELOPMENT AND POST DEVELOPMENT INCOME FOR A FARM MODEL OF 4 ACRES (1.6 HA)

Techno-Economic Parameters Acres Hectare Culturable Command Area 4 1.6 Irrigable Command Area 4 1.6     Cost (Rs.)     Civil : a) dugwell 37000   b) pump house 7000   Mechanical : complete pumping system 15000   Total Cost (Rs.) 59000   Margin money @ 5% 2950   Bank Loan 56050       Interest on bank loan 0.15   Grace period (years) 1   Annual equated instalments (years) 12   Capital recovery factor for 12 years 0.184481   Diesel charges (Rs. for 783 hrs.) 14851   Horse Power 3   Cost per acre (Rs) 14750   Cost per hectare (Rs) 36875   Land revenue (Rs./ acre) pre-dev 2   Cost of cultivation from borrowed funds 0.6   Interest on borrowed funds 0.12   Land revenue (Rs./ acre) post-dev 8   Repairs & Maintenance     % of civil works 0.025   % of mechanical works 0.03

Annexure IV Pre and Post-Development Income

Crop Area Yield/ Acre Total yield Unit Sale Total Sale Cost of cultiva tion/ Acre Total Cost of cultivation Net income   (Acres) (Q) (Q) Price Rs. Price ( Rs.) (Rs.) (Rs.) (Rs.)       (3x4)   (5x6)   (3x8)   2 3 4 5 6 7 8 9 10                   PRE DEVELOPMENT                 KHARIF                 Maize 2.5 2.5 6.3 550 3438 840 2100 1338 Jowar 1.5 2.5 3.8 800 3000 1260 1890 1110 RABI                 Gram 1 1.5 1.5 950 1425 885 885 540 Wheat 1 1.5 1.5 800 1200 790 790 410 Total 6       9063   5665 3398 Land revenue (Rs.2/acre) 8         Net income (Rs.) 2737   Interest on borrowed funds (Rs.) 653         Net income/ acre (Rs.) 684                     POST DEVELOPMENT                 KHARIF                 Vegetables 1 75 75 400 30000 15735 15735 14265 Groundnut 2 8 16 1450 23200 5430 10860 12340 RABI                 Wheat 1 12 12 800 9600 4725 4725 4875 Hybrid Jowar 2 8 16 525 8400 2195 4390 4010 Summer                 Groundnut 1 9.5 9.5 1450 13775 6750 6750 7025 Perennial                 Sugarcane 1 350 350 72.5 25375 14080 14080 11295           110350   56540 53810 Net income (Rs) 53810               Land Revenue (Rs) 32               ST interest (Rs) 7945               Diesel charges 14851               Repairs & Maintenance                 2.5% of civil works 925               3% of Mech. works 450               Net Surplus 29607               Pre-Development net income 2737               Net Incremental income 26870               Net Incremental income/acre 6717               Interest on Bank loan 10340               Avg. repayment of loan & interest                 per acre 2585               Avg. net income per acre 4132

INTERNAL RATE OF RETURN (IRR)