• To provide veterinary services to the farmers at the door step to rear good quality animals and to control infectious animal diseases and thus reduce morbidity and mortality.

• To cover large population of the breedable stock for genetic improvement.

• To provide additional income to the veterinarians through veterinary clinic and dairy unit.

• To address the problem of unemployment faced by the veterinarians.

The clinic is to be established in those areas where livestock owners demand for quality services on payment basis such as milk shed areas, poultry pockets, irrigated tracts etc. The area of operation may be 8-10m villages having 5000 to 6000 cattle units. The department of animal husbandry may assist the potential entrepreneur for selection of potential areas.

(i) Infrastructure : Building (own or rented), Refrigerator, Telephone, Furniture, Motor Cycle

(ii) Equipment : Surgical implemnets, laboratory equipments A I Kit, Cryocans (big and small)

(iii) Lab chemicals and Stationery

(iv) Medicine and vaccine.

A. Veterinary Clinic

(i) Building : Own or rented

(ii) Other infrastructure items : Rs. 0.74 lakh

(iii) Equipment : Rs. 0.54 lakh

(iv) Vaccine, lab chemicals, stationery etc : Rs. 0.18 lakh

Total : Rs. 1.46 lakhs

B. Dairy Units

(i) Cost of animals including cost : Rs. 1.085 lakhs

of transportation

(ii) Cost of shed : Rs. 0.39 lakh

(iii) Cost of store cum office : Rs. 0.20 lakh

(iv) Equipments : Rs. 0.05 lakh

(v) Insurance and other expenses : Rs. 0.115 lakh

Total : Rs. 1.84 lakhs

5. Margin money (15%) : Rs. 0.50 lakh

6. Bank Loan : Rs. 2.80 lakhs

7. Rate of Interest : 15% p.a.

8. Repayment Period : 5 years

9. Income :

(Rs. Lakhs)

(i) Veterinary clinic : 1.76 2.29 2.82

(ii) Dairy unit : 1.36 1.72 1.72

Total : 3.12 4.01 4.54

a) NPW @ 15% DF : Rs. 3.22 lakhs

b) BCR @ 15% DF : 1.30 : 1

c) IRR : > 50%

d) DSCR : 2.26

The veterinarians in private clinics will function in the same manner as veterinarians working in Government Veterinary Hospitals/Dispensaries. The veterinarians may procure necessary vaccines, frozen semen and liquid Nitrogen regularly from the state government on cost basis as per the indent submitted by him or may procure from any private supplier. The veterinarians may fix charges for the services rendered or the state government may fix a ceiling on charges for each service.

• Margin of 15% is assumed, but the actual margin will be as per the discretion of the banks.

• Interest rate of 15% is assumed for both investment and working capital. However, the actual rate will be as per banks' discretion.

• Similarly, the other economic / financial parameters such as the repayment period, DSCR, IRR, etc., may also vary depending upon the margin, interest rate, etc., taken into account by the bank.