1.

Introductory Page
2. Summary of the project
3. Details about the Promoters, their educational qualifications, work experience, etc.
4. Current Status of the Bank, its products and services, target market, and activities.
5. Employees, details about the top management, their educational qualifications, work
experience, etc.
6. Infrastructure facilities, tools deployed, operational premises, machinery, etc
7. Customers, details about them as well as prospective customers
8. Regional Operations
9. Fiscal acquisitions and tie-ups
10. Means of Financing
11. Balance Sheet
12. Profit and Loss Statements
13. Fund Flow Statement
14. Chief Ratios
15. Break Even Point Evaluations
16. Conclusions
INTRODUCTION

Agriculture, the sector engaging about 70 of the Indian population, is proved to have a great
impact over India’s overall economic performance. This is in spite of its reduced contribution
towards the GDP from 60% to 25%. Recent trends clearly indicate that agriculture is getting
highly commercialized and is going through rational changes globally, mainly due to the
liberalization of the trade in agricultural commodities. To benefit the Indian farmers, the
agriculture system in the country should be totally revitalized. Following changes need to
be incorporated
• Healthy environment
• Smooth channels for transfer of commodities
• Physical infrastructure for marketing activities
• Cash support to commodity producers
Even though the reaping, harvesting and storing of crops is seasonal, the consumption of the
commodities is perpetual, as well as variable in nature. The market value of the commodities is
the lowest at the time of harvesting, primarily due to an abundant supply. Also, the consumption
requirement is periodic, and not in a bulk at a time. This naturally gives a rise to need of storing
the commodities, thus giving a way to requirement of strong storage facilities for the producers, in
order to hold a portion of the produce. This would facilitate him to meet his requirements such as
fertilizers, seed, etc. by selling the stored surplus commodities in the market, whenever the
market price is favorable. A need for storage facilities also comes into picture when there is an
inadequacy or unavailability of the transport facilities. This has contrived the Indian Government to
come up aggressively with Warehousing facility all over India.
India is currently the largest producer of fruits and vegetables at about 44 Million tons per annum.
However, the export of these commodities is comparatively low. This is mainly due to poor
storage and transport facilities, effectively leading to a large-scale wastage. In order to counter
this problem, a large number of cold chains of controlled atmosphere are being set up.
In addition to these, the Government needs storage facilities in order to maintain a buffer of
reserve stocks to counter the effects of variability’s of weather and other natural calamities on the
agriculture in India.
The producers, processors, transporters as well as the people concerned with storage of
commodities have to develop the storage facilities for a proper storage of commodities such as
food grains, oilseeds, commercial crops like chilies, vegetables, etc., and the seeds needed for
sowing in the following seasons.
WAREHOUSE

Warehouses are the scientific storage structures that are specially constructed to facilitate the
preservation as well as the protection of the commodities. As far as India is concerned, the
Warehousing scheme is an integrated scheme of scientific storage, rural credit price stabilization
and market intelligence. Overall, the scheme is intended to supplement the efforts of the co-
operative institution.

2.1 Functions of the Warehouse

A warehouse is constructed bearing in mind that it should perform the following
different functions: -
2.1.1Scientific Storage : A large quantity of the agricultural commodities may
be stored. The commodities must also be protected against the quantitative as well as qualitative
losses occurring due to unavoidable
circumstances such as floods, pests, etc.
2.1.2Financing : Another need that a warehouse is expected to meet is the
financial needs of the individual who stores his produce into the warehouse. This is facilitated by
the national banks, which extend credit to the individual against the security of the warehouse
receipt that is issued to him after he has stored his commodities. A credit of 75 – 80 %of the value
of the commodities is generally extended.
2.1.3Price Stabilization : Warehouses also offer the facility to the individuals
who hold their commodity stocks with them, in the form of providing them with updated market
information. They are informed about the prices prevailing in the markets, as well as advice them
as to when to release their products into the markets.
2.2 Warehousing in India
According to the report submitted by THE ALL INDIA RURAL CREDITSURVEY COMMITTEEE of
Reserve Bank of India, the Government of India enacted the agricultural produce, Development
and Warehousing Corporation Act,1956. In addition to this, the other actions taken in the
concerned field are:
• Establishment of NCDWB (National Co-operative Development and
Warehousing board in 1956.)
• Establishment of Central Warehousing Corporation (CWC) in 1957.

• Establishment of State Warehousing Corporation (SWC) in all the states,

between July 1957 and August 1958
2.3 Types of Warehouses
The warehouses are classified into various types, based on the following two
parameters:
2.3.1Types of Warehouses based upon the basis of ownership
2.3.2Types of Warehouses based upon the basis of commodities stored

Types of Warehouses on the basis of the ownership

PRIVATE
Owned by the individual, large business house for storage of own goods.
PUBLIC
Owned by Government and meant for the storage of goods.
BONDED
Specially constructed near seaports and airports and accept goods for storage till payment of
customers by importers. The method of operation and charges for storage is regulated by the
Government.

Types of Warehouses on the basis of types of commodities stored