Banana is the largest produced and maximum consumed amongst the fruits cultivated in India. India ranks first amongst the banana cultivating countries of the world. Banana when ripened is a soft and delicate fruit with a post-harvest shelf life of 5- 10 days. This makes it prone to injury during transport. Banana being a ‘common man’s fruit’ is consumed in following forms: Banana Powder, Banana Puree, Banana Juice concentrate etc. Banana powder, because of its high concentration of banana essence, has been found to be a major source of carbohydrate and calories, found to be useful as a general treatment for dyspepsia, contains compounds with demonstrable anti-MRSA activity, anti-HIV replicative activity, and following metabolic transformation by fungi, anti-leishmanicidal activity.

The global production of banana is around 102028.17 thousand tons of which India contributes 29.19%. The demand of Banana Products in market is increasing rapidly due to nutritive and medicinal characteristics of it. India is one of the major country producing banana and its derivatives. Banana Derivatives includes: Powder, Puree, Ice-Creams, Fruit breads, cakes, tarts, muffins, pie-fillings, icings, donuts, fruit bars, milk shakes, yogurts, puddings, toppings, deserts, baby food, etc.

Table of Contents

 

1.       City Profile & Geotechnical Site Characterization

1.1.    General

1.2.    Geography and Climate

1.3.    Climate

1.4.    Map

1.5.    Transport

1.6.    Strategic Importance

1.7.    Economy

2.       Introduction

2.1.    Banana

2.2.    Banana Powder

2.3.    Banana Puree

2.4.    Banana Concentrate

3.       Uses

3.1.    General Uses

3.2.    Scientific Uses

4.       Physical Characteristics of Banana Puree

5.       Description of Commercial Banana Variety & Characteristics

6.       Criteria and Description of Grades

7.       B.I.S. Specification

7.1.    IS: 6028- 2002 Green Bananas - Guide for Storage and Transport

7.2.    IS: 11977- 1987 Green bananas - Ripening condition

7.3.    IS: 12574- 1989 Fried Banana Chips

8.       Market Survey

8.1.    Bakery

8.2.    Bread

8.3.    Market Structure

8.4.    Leading Brands

8.5.    Beverages

8.6.    Diary

8.7.    Ice Cream

8.8.    Market Structure

8.9.    Leading Brands

8.10.Baby Food

8.11.Market Structure

8.12.Leading Brands

9.       Manufacturing Process of Banana Powder

10.   Manufacturing Process of Banana Puree

11.   Manufacturing Process of Banana Concentrate

12.   Process Flow Diagram of Banana Powder

13.   Process Flow Diagram of Banana Puree

14.   Process Flow Diagram of Banana Concentrate

15.   Suppliers of Raw Material

16.   Suppliers of Plant & Machinery

17.   Plant Layout

18.   Raw Material, Product & Machinery Photographs

19.   Quotation of Plant, Machinery and Equipments from Supplier

 

PROJECT FINANCIALS

·         Project at a Glance

Annexure

·         Assumptions for Profitability workings ….…………………………………………....................... 1

·         Plant Economics…………………………………………………………………………….................... 2

·         Production Schedule……………………………………………………………………….................... 3

·         Land & Building…………………………………………………………………………….................... 4

§  Factory Land & Building

§  Site Development Expenses

·         Plant & Machinery………………………………………………………………………….................... 5

§  Indigenous Machineries

§  Other Machineries (Miscellaneous, Laboratory etc.)

·         Other Fixed Assets………………………………………………………………………….................... 6

§  Furniture & Fixtures

§  Pre-operative and Preliminary Expenses

§  Technical Knowhow

§  Provision of Contingencies

·         Working Capital Requirement Per Month………………………………………………................. 7

§  Raw Material

§  Packing Material

§  Lab & ETP Chemical Cost

§  Consumable Store

·         Overheads Required Per Month and Per Annum ……………………………………................. .8

§  Utilities & Overheads (Power, Water and Fuel Expenses etc.)

§  Royalty and Other Charges

§  Selling and Distribution Expenses

·         Salary and Wages ……………………………………………………………………………................. 9

·         Turnover Per Annum ………………………………………………………………………................ 10

·         Share Capital…………………………………………………………………………………................ 11

§  Equity Capital

§  Preference Share Capital

 

•        Annexure 1            ::        Cost of Project and Means of Finance

•        Annexure 2            ::        Profitability and Net Cash Accruals

§  Revenue/Income/Realisation

§  Expenses/Cost of Products/Services/Items

§  Gross Profit

§  Financial Charges    

§  Total Cost of Sales

§  Net Profit After Taxes

§  Net Cash Accruals

 

•        Annexure 3            ::        Assessment of Working Capital requirements

§  Current Assets

§  Gross Working Capital

§  Current Liabilities

§  Net Working Capital

§  Working Note for Calculation of Work-in-process

 

•        Annexure 4            ::        Sources and Disposition of Funds

•        Annexure 5            ::        Projected Balance Sheets

§  ROI (Average of Fixed Assets)

§  RONW (Average of Share Capital)

§  ROI (Average of Total Assets)

 

•        Annexure 6            ::        Profitability ratios

§  D.S.C.R

§  Earnings Per Share (EPS)

§  Debt Equity Ratio

 

•        Annexure 7            ::        Break-Even Analysis

§  Variable Cost & Expenses

§  Semi-Variable/Semi-Fixed Expenses

§  Profit Volume Ratio (PVR)

§  Fixed Expenses / Cost 

§  B.E.P

 

•        Annexure 8 to 11   ::        Sensitivity Analysis-Price/Volume

§  Resultant N.P.B.T

§  Resultant D.S.C.R

§  Resultant PV Ratio

§  Resultant DER

§  Resultant ROI

§  Resultant BEP

 

•        Annexure 12          ::        Shareholding Pattern and Stake Status

§  Equity Capital

§  Preference Share Capital

 

•        Annexure 13          ::        Quantitative Details-Output/Sales/Stocks

§  Determined Capacity P.A of Products/Services

§  Achievable Efficiency/Yield % of Products/Services/Items 

§  Net Usable Load/Capacity of Products/Services/Items   

§  Expected Sales/ Revenue/ Income of Products/ Services/ Items   

 

•        Annexure 14          ::        Product wise domestic Sales Realisation

•        Annexure 15          ::        Total Raw Material Cost

•        Annexure 16          ::        Raw Material Cost per unit

•        Annexure 17          ::        Total Lab & ETP Chemical Cost

•        Annexure 18          ::        Consumables, Store etc.

•        Annexure 19          ::        Packing Material Cost

•        Annexure 20          ::        Packing Material Cost Per Unit

•        Annexure 21          ::        Employees Expenses

•        Annexure 22          ::        Fuel Expenses

•        Annexure 23          ::        Power/Electricity Expenses

•        Annexure 24          ::        Royalty & Other Charges

•        Annexure 25          ::        Repairs & Maintenance Expenses

•        Annexure 26          ::        Other Manufacturing Expenses

•        Annexure 27          ::        Administration Expenses

•        Annexure 28          ::        Selling Expenses

•        Annexure 29          ::        Depreciation Charges – as per Books (Total)

•        Annexure 30          ::        Depreciation Charges – as per Books (P & M)

•        Annexure 31          ::        Depreciation Charges - as per IT Act WDV (Total)

•        Annexure 32          ::        Depreciation Charges - as per IT Act WDV (P & M)

•        Annexure 33          ::        Interest and Repayment - Term Loans

•        Annexure 34          ::        Tax on Profits

•        Annexure 35          ::        Projected Pay-Back Period And IRR