Schemes of CDB  
 
 

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Technology Mission on Coconut

 

 


* Pattern of Assistance

Programme I - Management of Insect Pests and Disease affected gardens

Programme II - Processing and Product diversification

Programme III - Market Research and Promotion

 

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Programme I

Management of Insect Pests and Disease affected gardens

Development of technologies Demonstration of technologies Adoption of technologies
  • 100% of the cost of project limited to Rs. 50.00 lakhs for ICAR(CPCRI)/ State Agricultural Universities/State Deptt. of Horticulture/Agriculture/and cooperative sector.
  • 50 % of the cost of project limited to Rs.25 lakhs for NGO’s and other organisations
  • 100% of the cost limited to Rs.25 lakh projects to ICAR (CPCRI)/ State Agricultural Universities/State Deptt. of Horticulture/Agriculture/other related public sector units/Registered cooperative societies.
  • 50% of the cost for individuals / group of farmers/NGO’s, private companies limited to Rs.10 lakh.
  • 25% of the cost of technology adoption.
  • 25% of the cost in case of group of farmers/ NGO’s/other organizations.

 


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Programme II

Processing and Product Diversification

Development of technologies Demonstration of technologies Adoption of technologies
  • 100% of the project cost limited to Rs.75 lakhs for all the Govt. institutions and cooperative societies.
  • 50% of the project cost limited to Rs.35 lakhs for NGO’s, Individual entrepreneurs and other research organisations
  • 100% of the cost to all the Govt. institutions and cooperative societies.
  • 50% of the cost for the NGO’s, Individual entrepreneurs and other organizations.

Back-ended credit capital subsidy limited to 25% of the cost not exceeding Rs.50 lakhs for NGO’s, Individual entrepreneurs and other organizations (As described in Annexure III and paras in other conditions).

 

 


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Programme III

Market Research and Promotion

(a) Market research

  • 100% of the cost limited to Rs.25 lakhs for Govt. agencies and cooperative societies.
  • 50% of the cost limited to Rs.12.50 lakhs for Individuals, NGO’s and other organizations.

(b) Market Promotion

  • 100% of the cost limited to Rs.25 lakhs for Govt. agencies and cooperative societies
  • 50% of the cost limited to Rs.10 lakhs for NGO’s and private institutes.

 

 


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* Other Conditions

  1. Submission of proposals for release of subsidy (for processing and product diversification projects)

    1. The promoter will submit the project proposal directly to the Financial institutions as per the guidelines of the lending institutions

    2. Financial institutions will furnish a very brief profile/fact sheet of the project alongwith a copy of sanction letter and release of 50% of term loan indicating the following details to the CDB HQ at Kochi. 

      1. Name, address and location of the project/beneficiary

      2. Promoter’s profile

      3. Name of the associate bank

      4. Nature/main activities under the projects

      5. Item-wise Financial projections,

      6. Means of finance including CDB subsidy

      7. Brief coverage on technical feasibility and financial viability

      8. Other relevant information, if any.

       

  2. Procedure for sanction of project and release of subsidy by CDB (for processing and product diversification projects)

    1. Back-ended capital investment subsidy per project shall be provided under the scheme to these projects which are found technically and financially viable.

    2. Subsidy would be sanctioned and released under the scheme on the pattern as approved by PAC.

    3. Through participating banks/FIs (through CDB or Bank where refinance support involved)

    4. After receiving the sanction letter and release of 50% of the loan, 50% of the subsidy amount will be released to Financial institutions in advance for keeping the same in the Subsidy Reserve Fund Account of the concerned Borrower, to be adjusted finally against loan amount of the bank on completion of the project.

    5. Upon completion of the project, the concerned Financial institutions would inform CDB that the project has been completed within the over all guidelines of CDB and shall make a request to CDB for joint inspection of the project, in the presence of the promoter. The remaining 50% of the subsidy amount would be disbursed to the NABARD/Bank/FI/ NCDC, after the satisfactory report of the inspection of the project.

    6. Financial institutions as the case may be, would submit to CDB utilization certificate of the subsidy released by CDB.

     

  3. Adjustment in Borrowers’ Account:

    The subsidy released by CDB to Financial institutions (FIs) on behalf of the individual units that are sanctioned assistance will be kept in the separate account. The adjustment of subsidy will be in the separate account. The adjustment of subsidy will be on the pattern of back-ended subsidy. Accordingly, the full project cost including the subsidy amount but excluding the margin money contribution from the beneficiary would be disbursed as loan by the banks. The repayment schedule will be drawn on the loan amount in such a way that the subsidy amount is adjusted after the bank loan portion (excluding subsidy) is liquidated.

     

  4. No interest chargeable on subsidy portion:

    The subsidy admissible to the borrower under the scheme will be kept in the Subsidy Reserve Fund A/c – borrower-wise in the books of the financing banks. No interest should be applied on this by the bank. In view of this, for the purpose of charging interest on the loan, the subsidy amount should be excluded. The balance lying to the credit of the Subsidy Reserve Fund A/c. will not form part of Demand and Time Liabilities for the purpose of SLR/CRR. Suitable instructions issued in this regard by the RBI from time to time would be followed.

     

  5. Networking of the Schemes:

    With a view to achieve the stipulated objectives, the district authorities, other concerned states/UT/Central Govt. Organizations, Agencies, Financial Institutions and Private Associations, etc. may encourage the networking of their activities/schemes with the CDB. The subsidy would be released through the Financial Institutions/Banks on the lines suggested in the proceeding paragraphs.

     

  6. Aspects of Studies / Surveys:

    1. Techno Economic Feasibility Studies for development of coconut in States/UTs/Belts/Zones etc.

    2. Market Studies/special problems/Area Commodity based study/other aspects.

    3. Expert Services for project identification, formulation, implementation, monitoring & evaluation etc.

    4. Multi-disciplinary and specific studies as approved by PAC.

     

  7. Empanelment of Consultancy Firms

    Study would be conducted through empanelled consultants. The panel of consultancy firms would be updated after every three years.

    1. Criteria for empanelment of consultancy firms:

      1. Consultants should have capability, as may be evident from their past experience in similar work in agriculture/horticulture/post-harvest management.

      2. The consultants must have required infrastructure for taking up consultancy as per job requirements.

      3. The consultants must have expertise and experience in the field of horticulture, financial management, project formulation, project evaluation, monitoring etc.

      4. Preference would be given to the such consultancy firms, who have experience in conducting studies in a similar agro-climatic conditions.

      5. The consultancy firms should be registered, and it should be multi disciplinary, having minimum experience of 3-5 years.

      6. Individual consultants or subject matter specialist like horticulture/ agriculture experts, economist/ management/ legal/ personnel/ financial/ marketing/ information-technology experts can be engaged for specific activities, where the expertise can be engaged for specific activities, where the expertise of an individual is required.
         

    2. The selection of experts for specific/multi-disciplinary studies shall be finalized by the project appraisal committee keeping in mind their known professional in the field.

    3. Procedure for empanelment of consultancy firms.

      1. Wide publicity would be given through mass media for calling the offers. 

      2. from consultancy firms for empanelment.

      3. Based on criteria, a panel of consultancy firms would be prepared by PAC.

      4. Multi-disciplinary and specific studies would also be entrusted to registered bodies having a minimum experience of 3 to 5years and Individual experts in the field of horticulture/ agriculture/ economics/ finance/ legal/ personnel/Marketing/information technology etc. by CDB for specific activities.

     

  8. Procedure for award of studies / surveys :

    Consultants would send their detailed offer taking into consideration scope of work/term of reference within prescribed period.

    1. Consultants would be required to give offer in-respect of Technical & financial aspects.

    2. Offers would be scrutinized by the Board for consideration of PAC.

    3. Consultants would present their case in person before the PAC on the date & time to be decided by the Board.

    4. The study would be carried out in accordance with the scope of work.

    5. Period of study would be decided by the PAC on case to case basis.

    6. Study would be awarded by the Board on the recommendation of the PAC.

    7. Above mentioned procedures shall not apply in the case of selection of experts by the PAC.

     

  9. Submission of Report and approval:

    Draft report would be submitted to the consultants within the prescribed time.

    1. Consultants would also present the study undertaken through Slides, etc. before the PAC & concerned sponsoring organization.

    2. Comments of PAC/Sponsoring organization would be included in the study report.

    3. Consultants would coordinate for organizing the presentation of the report.

    4. Consultants would require to submit two copy of Draft Report and 20 copies of Final Report duly bound along with computer floppy.

    5. The project proposals may have vertical or horizontal integration.

    6. A Signboard at the site “CDB Assisted Project” will also be exhibited.

    7. CDB reserved the right to modify, add and delete any term/condition without assigning any reason thereof.

    8. CDB’s interpretation of various terms will be final.

    9. As and when required, pre & post inspection would be undertaken by CDB representative(s) to find out the physical & financial progress.

    10. CDB shall have a right to inspect/monitor the project and verify the related records at any time during the economic life of the project

 

 

 

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For more details please contact us: 

E-mail: cdbkochigmail,com

 

 

 

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