Project Report For Color Capsicum In Polyhouse

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Description

Project Report For Color Capsicum In Polyhouse is available for download for your use. If you are planning to start your entrepreneurial journey by initiating a new business, then you have made the right choice by choosing the color capsicum cultivation in polyhouse from many profitable business ideas in India. You can easily start this business by arranging the required capital investment. You need to know a lot about this business as it is just the beginning, and you might have many doubts and queries about this startup.

One can explore all the important details about this start-up that we have written in our project report. Our experts have made your work easy by writing a project report for color capsicum in polyhouse that you will require to avail bank loan for this business and also using it as a map for your new journey.

Capsicum polyhouse farming is a form of agriculture where capsicum plants are grown in a controlled environment called a polyhouse. Polyhouses are structures made of polyethylene material that help to control the temperature, humidity, and light exposure for the plants. This type of farming allows for the cultivation of high-quality capsicum crops year-round, regardless of weather conditions.

Project Report For Color Capsicum In Polyhouse PDF Format

The future growth prospects of polyhouse capsicum cultivation in India are quite promising, provided farmers have the necessary knowledge, resources, and support to adopt this technology. Starting a color capsicum polyhouse cultivation business requires careful planning, investment, and management. However, with the right resources, knowledge, and market opportunities, it can be a profitable venture.

Project report for color capsicum in polyhouse is a necessary document that will help you get all the necessary licenses, help you set up this business and avail financial assistance from the banks. You can use it as a map that has all the solutions to your doubts and can resolve your problems in a gist of time.

Growth Outlook

  • Rising Demand: The demand for capsicum is growing both domestically and internationally due to its health benefits and culinary uses. Polyhouse cultivation allows for the production of high-quality capsicum crops year-round, regardless of weather conditions, and this can help meet the growing demand.
  • Increased Awareness: Farmers in India are becoming increasingly aware of the benefits of polyhouse cultivation, including higher yields, lower water consumption, and reduced risk of pest and disease damage. As more farmers adopt this technology, it is expected that the production of capsicum will increase.
  • Government Support: The Indian government is promoting polyhouse cultivation through various schemes, subsidies, and loans. This support can help farmers adopt polyhouse farming and increase their productivity.
  • Export Potential: The export potential of capsicum from India is also increasing, and polyhouse cultivation can help meet the quality and quantity requirements of international markets.
  • Technological Advancements: With advancements in technology and the availability of new and improved equipment, farmers can now automate various processes, including watering, fertilizing, and pest control. This can help improve productivity and reduce labor costs, making polyhouse capsicum cultivation a more attractive and profitable option for farmers.

How to Download Color Capsicum Cultivation Project Report 

Gone are the days of waiting at the door of the expert, as a result, you can now get your color capsicum sample project report in hand, by instantly downloading the report in pdf format.

First Step            –   Click add to basket  >>  Check Out  >>  Payment

Second Step       –  Immediately after successful payment, you will get a link to download the report. You can download the report immediately from this link.

How Do I Start Color Capsicum Cultivation In Polyhouse In India?

Here are some tips to keep in mind if you are interested in capsicum polyhouse farming:

  • Choose the right location: Select a location that has good soil quality, access to water, and is not prone to flooding. The area should also be easily accessible for transportation and have a good market for capsicum.
  • Build a sturdy polyhouse: Construct a sturdy polyhouse that can withstand the weather and protect the plants from pests and diseases. The polyhouse should be properly ventilated to allow for air circulation and prevent excess humidity buildup.
  • Select the right variety: Choose the right variety of capsicum that is suitable for polyhouse cultivation in your area. You can consult with agricultural experts or local horticulturists to select the best variety for your polyhouse.
  • Provide proper nutrition and care: Capsicum plants require regular watering, fertilization, and pest control to ensure healthy growth and high yields. You should also monitor the temperature and humidity levels in the polyhouse to maintain optimal growing conditions.
  • Harvest and market your crops: Capsicum plants typically start producing fruit within 60 to 70 days of planting. Harvest the capsicum fruits when they are fully ripe and sell them to local markets or wholesale distributors for the best prices.

Necessary Arrangements To Be Made For Color Capsicum Cultivation 

Capsicum cultivation in a polyhouse has become an attractive business opportunity for many farmers and entrepreneurs due to its high yield, quality produce, and year-round cultivation possibilities. Here are some essentials to consider when starting a capsicum polyhouse cultivation business:

  • Location: Choose a location with good access to water, electricity, and transportation. The land should also have good soil quality, adequate sunlight, and good drainage.
  • Polyhouse structure: Polyhouses are covered structures that provide a controlled environment for the crop. The structure should be designed to suit the local climate and environmental conditions. The size of the polyhouse will depend on the scale of your business and your production goals.
  • Irrigation system: Capsicum requires regular watering to maintain good growth and yield. An efficient irrigation system is essential to ensure the crop gets adequate water without causing waterlogging or drought stress. Drip irrigation is a popular and efficient system for capsicum cultivation in polyhouses.
  • Soil preparation: The soil in the polyhouse should be prepared to suit the crop’s requirements. The soil should be fertile, well-draining, and free from pests and diseases. Adding organic matter, like compost or vermicompost, can improve soil quality and fertility.
  • Crop management: Capsicum requires regular monitoring and management to ensure healthy growth and yield. This includes proper spacing, pest and disease management, and fertilizer application. Capsicum is susceptible to pests and diseases, so it’s important to implement a good pest and disease management plan.
  • Harvesting and post-harvest management: Capsicum should be harvested at the right maturity stage to ensure quality and marketability. Post-harvest management includes proper handling, grading, packing, and storage to maintain the product’s quality and value.
  • Marketing: Before starting the business, it’s essential to identify potential markets for your capsicum produce. This includes researching market demand, pricing, and distribution channels. Direct marketing, like selling at farmers’ markets, or selling to local grocery stores or restaurants, can be a good option for small-scale businesses.

Need For Capsicum Farming and Profitability

Capsicum is a high-value vegetable crop that has become increasingly popular in recent years. Capsicum cultivation in a polyhouse can provide a range of benefits, including protection from weather conditions and pests, and improved control over growing conditions. Here are some of the key reasons for capsicum polyhouse cultivation and its profitability:

  • Year-round cultivation: Capsicum can be grown year-round in a polyhouse, which allows for a consistent supply of fresh produce and improved profitability.
  • Protection from weather conditions: Capsicum is a warm-season crop that requires a consistent temperature and adequate sunlight to grow. A polyhouse provides protection from extreme weather conditions such as heat, wind, and heavy rain, allowing for consistent growth and yield.
  • Protection from pests and diseases: Capsicum is susceptible to a range of pests and diseases, including aphids, thrips, and viruses. A polyhouse provides protection from these pests, reducing the need for chemical treatments and improving overall crop health.
  • Improved growing conditions: The controlled environment inside a polyhouse allows for improved control over growing conditions, including temperature, humidity, and light intensity. This can result in higher quality and more consistent crop yields.
  • Higher crop yield: Capsicum cultivation in a polyhouse can result in higher crop yields due to improved growing conditions and protection from pests and weather conditions. This can lead to increased profitability and a better return on investment.
  • Higher selling price: Capsicum is a high-value crop that is in high demand, particularly in urban markets. The ability to grow and supply fresh produce year-round can result in a higher selling price for the crop, further increasing profitability.
  • Reduced water use: Capsicum cultivation in a polyhouse can reduce water use by allowing for more efficient irrigation. Drip irrigation systems can be used to deliver water directly to the roots of the plants, reducing water loss due to evaporation.
  • Customization: A polyhouse can be customized to suit the needs of the farmer and the specific requirements of the capsicum crop. This can include the size and shape of the structure, the type of covering material, and the irrigation and ventilation systems used.

Capsicum polyhouse cultivation can be a profitable and sustainable way to grow this high-value vegetable crop. Additionally, the controlled environment inside a polyhouse can allow for experimentation with new growing techniques and crop varieties, further improving the sustainability and profitability of capsicum polyhouse cultivation.

How to Start Capsicum Polyhouse Cultivation in India?

Starting a capsicum polyhouse cultivation business requires a combination of knowledge and planning. Here’s a brief explanation of how to get started:

First, select a suitable location with good sunlight and access to water. This is important for the growth of the capsicum crop. Next, plan the structure of the polyhouse based on the local climate and the requirements of the capsicum crop. The polyhouse should be designed to maintain optimal temperature and humidity levels for the crop.

Prepare the soil by adding organic matter and ensuring good drainage. Choose a suitable capsicum variety that is adapted to the local climate and market demand. Install irrigation and ventilation systems to ensure that the crop receives the necessary water and air circulation.

Monitor and manage the crop regularly to identify and address any issues related to pests, diseases, and nutrient deficiencies. Harvest the crop when it is mature and market it in a timely manner to maximize profits.

Best Location For Starting Color Capsicum Cultivation In Polyhouse in India

Choosing the right location for capsicum polyhouse cultivation is critical to the success of your business. Here are some key factors to consider when selecting a location:

  • Climate: Capsicum plants require warm temperatures and a lot of sunlight for optimal growth. Therefore, it is important to select a location with a warm and sunny climate. The ideal temperature range for capsicum is between 20°C to 30°C. Additionally, ensure that the location is not prone to extreme weather conditions such as storms, floods, or hail.
  • Water: Capsicum plants require a consistent supply of water to grow properly. Choose a location that has access to water, either through a reliable irrigation system or a nearby water source. The availability of water will also influence the type of irrigation system you choose for your polyhouse.
  • Soil: The soil quality is important to ensure the growth and health of capsicum plants. Choose a location with well-drained, fertile soil that has a pH level of 6.0 to 7.0. Soil testing can help you determine the quality of the soil in the location you are considering.
  • Access to markets: Choose a location that is close to markets where you can sell your capsicum produce. This will help to reduce transportation costs and ensure that your products reach the market in a timely manner. Research the market demand and trends in your area to ensure that there is a viable market for your capsicum produce.
  • Logistics: Choose a location that is easily accessible by road, rail, or air transport. This will help to ensure that your supplies and products can be transported easily and quickly.

Selecting the right location for your capsicum polyhouse cultivation is crucial for the success of your business. Consider the above factors carefully and conduct thorough research to make an informed decision about the best location for your business.

Manpower Requirement For Growing Color Capsicum

Staff and manpower needs for a polyhouse cultivation will depend on various factors such as the size of the business, the crops grown, and the level of automation. However, here are some general points to consider:

  • Farm Manager: Hire a farm manager who will oversee the operations of the farm, manage the staff, and ensure that the crops are grown to meet the quality standards.
  • Skilled Workers: Hire skilled workers who can handle the technical aspects of the farm such as setting up the irrigation system, managing the environment control systems, and maintaining the machinery.
  • Laborers: Hire laborers who will perform tasks such as planting, pruning, harvesting, and packaging the crops.
  • Sales and Marketing Staff: Hire sales and marketing staff who will handle the sales and distribution of the crops to wholesalers, retailers, or directly to consumers.
  • Administrative Staff: Hire administrative staff to manage paperwork, record keeping, and other non-farm-related tasks.
  • Trainers: Hire trainers who will train the staff in the technical aspects of polyhouse cultivation and keep them updated with the latest farming techniques.
  • Quality Control Staff: Hire quality control staff who will ensure that the crops meet the quality standards set by the business.
  • IT Staff: Hire IT staff to manage the software and hardware required to manage the farm operations and to maintain data records.
  • Security Staff: Hire security staff to ensure the safety and security of the farm, equipment, and staff.
  • Outsourcing: Consider outsourcing some of the tasks such as logistics and accounting to reduce the manpower needs of the business.

It is important to hire skilled workers, sales and marketing staff, administrative staff, and trainers to ensure the success of the business. It is also important to consider outsourcing to reduce manpower needs and increase efficiency.

Licenses and Permits Needed To Grow Color Capsicum In Polyhouse In India

Starting a polyhouse cultivation business in India requires several permits and licenses from various government agencies. Here are some of the permits and licenses required:

  • Land Permission: Before starting a polyhouse cultivation business, you need to obtain land permission from the local government authority. You can either lease or buy the land for farming purposes.
  • Business Registration: Register your business with the Registrar of Companies (RoC) or with the Ministry of Micro, Small and Medium Enterprises (MSME). This is mandatory for any business operating in India.
  • FSSAI License: The Food Safety and Standards Authority of India (FSSAI) issues licenses for food-related businesses. Obtain an FSSAI license to ensure that your crops meet the quality standards set by the government.
  • GST Registration: Obtain a Goods and Services Tax (GST) registration if your annual turnover exceeds the specified limit. This is mandatory for any business that deals with the sale of goods or services.
  • Water and Environment Clearance: Obtain permission from the local authorities for using water for farming and ensure that your farming practices do not cause environmental damage.
  • Electricity and Energy Clearance: Obtain permission for electricity and energy usage for your polyhouse cultivation business.
  • Labor and Employment Registration: Register with the Employees’ Provident Fund Organization (EPFO) and the Employees’ State Insurance Corporation (ESIC) to ensure that you comply with labor laws.
  • Crop Insurance: Obtain crop insurance to protect your business from any losses due to natural calamities or other unforeseen events.
  • Transport Permit: Obtain a permit for transporting your crops from the farm to the market. This is mandatory for any business that deals with the sale of goods.
  • Other Permits: Depending on the location and the size of the business, you may also require permits for construction, zoning, or other local permits.

Ensure that you comply with all the necessary legal requirements to avoid any legal or financial complications in the future. It is also important to keep these permits and licenses updated and renewed as required by the government.

Suitable Cultivation Needs

Rural areas are often ideal for agriculture because of their abundant land, lower land prices, and access to natural resources like water and sunlight.

To start capsicum polyhouse cultivation in a rural area, here are some key steps to follow:

  • Conduct a feasibility study: Before starting any agriculture venture, it’s important to conduct a feasibility study to determine the profitability and viability of the project. This study should take into account factors such as market demand, production costs, and potential revenue streams.
  • Choose the right location: Select a location with a suitable climate for capsicum cultivation. Capsicum plants require warm temperatures and lots of sunlight, so choose an area with ample sunshine and a temperature range of 20-30°C.
  • Build a polyhouse: Construct a polyhouse structure that is large enough to meet your production goals. The polyhouse should be designed to protect the capsicum plants from adverse weather conditions, pests, and diseases.
  • Choose high-quality seeds: Select high-quality capsicum seeds that are resistant to common diseases and pests.
  • Soil preparation: The soil should be well-drained, nutrient-rich and have a pH level of 6.0 to 7.0. The soil should be tested to determine nutrient deficiencies and pH levels.
  • Irrigation and fertilization: Capsicum plants require a consistent supply of water and nutrients for optimal growth. Install a reliable irrigation system and select an appropriate fertilization regimen to provide the necessary nutrients for the capsicum plants.
  • Harvest and market the capsicum: When the capsicum fruits are mature, they should be harvested and marketed to buyers or distributors. Determine the best market for your capsicum based on demand, price, and transportation costs.

How Much Do I Need To Invest For Starting Color Capsicum Cultivation In Polyhouse?

The specific investment required to start a capsicum polyhouse cultivation business can vary depending on several factors such as the size of the polyhouse, the quality of materials used, the location, the cost of seeds and other supplies, and the technology used in the polyhouse. However, here is a rough estimate of the costs involved:

  • Land cost: The cost of land will vary depending on the location and size of the plot. Assuming you already have land available, this cost can be skipped.
  • Polyhouse cost: The cost of constructing a polyhouse will vary based on the size, design, and quality of materials used. An estimate for a 2000 square foot polyhouse could range from $5,000 to $10,000 or more.
  • Irrigation system: A good quality irrigation system is essential for proper plant growth. The cost of an irrigation system for a polyhouse can range from $1,000 to $2,000 or more.
  • Seeds: The cost of seeds will depend on the variety of capsicum being grown, the supplier, and the quantity required. An estimate for 2000 capsicum seeds would be around $100-$200.
  • Fertilizers and Pesticides: The cost of fertilizers and pesticides will depend on the type and quality of the products used, as well as the size of the polyhouse. An estimate for fertilizers and pesticides for one crop cycle would be around $300-$500.
  • Labor cost: The cost of labor will depend on the number of employees you hire, their wages, and the length of the workday. An estimate for labor cost for one crop cycle would be around $2,000-$3,000.
  • Miscellaneous expenses: There may be other expenses involved such as transportation, storage, and marketing. An estimate for miscellaneous expenses would be around $1,000-$2,000.

Based on these estimates, the total investment required to start a capsicum polyhouse cultivation business would be around $10,000-$20,000 or more, depending on the specific requirements and location. However, these figures are just estimates and may vary depending on your specific circumstances.

Tools and Equipments Needed To Grow Color Capsicum In Polyhouse

Here are some tools and equipment that you will need to start a capsicum polyhouse cultivation business:

  • Polyhouse structure: A polyhouse is a climate-controlled structure made of materials like PVC or steel frames, polyethylene sheets, and shade nets. It protects the crops from extreme weather conditions and pests. You can hire a contractor to build the polyhouse or purchase a pre-fabricated one.
  • Irrigation system: A good quality irrigation system is essential for proper plant growth. You will need tools like drip irrigation systems, sprayers, and sprinklers to water the plants regularly.
  • Climate control equipment: The temperature, humidity, and ventilation of the polyhouse must be controlled to provide a favorable environment for the crops. You will need equipment like fans, evaporative cooling pads, and heaters to maintain the desired temperature and humidity levels.
  • Fertilizer and pesticide sprayers: You will need sprayers to apply fertilizers and pesticides to the crops. These sprayers can be manual or motorized, depending on the size of the polyhouse.
  • Seedling trays: Capsicum seedlings are usually grown in trays before transplanting. You will need seedling trays, potting mix, and fertilizer to grow the seedlings.
  • Hand tools: You will need hand tools like shovels, rakes, and hoes to prepare the soil, plant the crops, and maintain the polyhouse.
  • Harvesting tools: Capsicums are usually harvested when they are mature but still green. You will need tools like pruning shears, baskets, and bins to harvest the crops and transport them to storage.
  • Storage equipment: After harvesting, the capsicums must be stored in a cool, dry place. You will need equipment like storage racks, crates, and bins to store the harvested crops.
  • Transportation equipment: Once the crops are ready for sale, you will need transportation equipment like trucks or vans to transport them to the market.

The specific requirements may vary depending on the size of the polyhouse and the farming methods used. It is essential to plan and budget for the necessary tools and equipment before starting the business.

How Do I Promote Color Capsicum In The Market?

Business Promotion is a critical aspect to consider when starting a polyhouse cultivation business. Here are some points to keep in mind:

  • Branding: Create a unique and memorable brand name and logo for your business. This will help you stand out from competitors and make it easier for customers to recognize your products.
  • Target audience: Identify your target audience, such as wholesalers, retailers, or direct-to-consumer. Understand their needs, preferences, and purchasing behavior, and tailor your marketing strategies accordingly.
  • Product positioning: Position your products in the market by highlighting their unique features, quality, and benefits. Make sure your products meet customer demands and are competitively priced.
  • Packaging and labeling: Develop attractive packaging and labeling that is informative, descriptive, and compliant with regulatory requirements. This will help your products stand out on shelves and provide consumers with necessary information about the products.
  • Advertising: Develop an advertising plan that includes various media channels such as television, radio, newspapers, and social media to reach your target audience. Use the right tone, language, and imagery to appeal to your audience.
  • Public relations: Develop a public relations plan to create a positive image for your business. This can include creating media releases, building relationships with journalists, and participating in local events.
  • Sales promotions: Offer discounts, coupons, and other promotions to attract customers and increase sales. This can help you gain new customers and increase brand loyalty.
  • Customer feedback: Seek feedback from your customers to improve your products, services, and marketing strategies. This will help you stay ahead of your competitors and meet your customers’ needs.
  • Partnership with other businesses: Collaborate with other businesses to expand your reach and offer complementary products or services. This can help you increase sales and build brand awareness.
  • Community involvement: Get involved in local community events and organizations to build goodwill and create brand recognition. This can help you build a strong relationship with your community and foster a positive image for your business.

By taking these steps, you can develop a strong brand, attract customers, and grow your business.

Contents of Project Report For Color Capsicum In Polyhouse
Sr. No.Particulars
1Genesis
2Project Profile
3Production Technology
4Market Potential
5SWOT Analysis
6Basis & Presumptions
7Financial Parameters
8Projected Profitability Statement
9Projected Balance Sheet
10Term Loan Repayment Schedule
11DSCR
For whom is color capsicum cultivation Project report format useful?
  1. CA Chartered Accountants
  2. Tax Consultants
  3. Small Business Owners
  4. Students
  5. Engineers
  6. Who wants to self-study

In addition to those who want to prepare project reports themselves.

Sample Project Report Format of color capsicum farming business

In our capsicum cultivation in greenhouse project report format, we have covered technology details, its diagrams, flow charts etc. as and when required or deemed fit to include. Also, we can help you prepare in-depth financial calculations which are necessary for the Investor/bank.

You will get the report data from our capsicum polyhouse Project Report in PDF. You can also modify the information according to your need. You will be able to access the data easily according to your requirement. 

Conclusion

Setting up a polyhouse for color capsicum farming is a profitable venture needs a well written business project report that includes every crucial fact about this business-like market feasibility, future of business, legalities, quality, production etc. This business can rise in a short time period, and it is a continuous business that can expand sales throughout the years. You just need to follow all the guidelines mentioned in our capsicum polyhouse project report.

The color capsicum farming in polyhouse project report is designed for an individual enthusiastic about investing in this business and willing to generate extra earnings with his investment in this business. The complete set up requires a detailed project report and business plan that can tell the entrepreneur in detail about the market research and a lot more. Our project report contains all the necessary details that you need to know before setting up your business. It will help you in assisting to write down the capsicum farming project report and applying for a bank loan.

Frequently Asked Questions On Project Report for color capsicum in polyhouse

How can I optimize my capsicum yields in a polyhouse environment, and what are the best practices for crop management?

To optimize capsicum yields in a polyhouse environment, it is important to maintain optimal growing conditions, such as providing appropriate lighting and temperature, using high-quality soil, and irrigating the plants correctly. Additionally, proper crop management practices, such as pruning, trellising, and managing pests and diseases, can also help to increase yields.

What are the benefits of using a hydroponic system for capsicum cultivation in a polyhouse, and how does it differ from soil-based cultivation?

Hydroponic systems are becoming increasingly popular for capsicum cultivation in polyhouses as they offer several benefits, including increased yields, reduced water usage, and improved nutrient absorption. In hydroponic systems, plants are grown in a nutrient-rich solution, rather than soil, which allows for more precise control over the growing environment.

What are the most effective strategies for managing common capsicum pests such as thrips and mites in a polyhouse environment?

To manage common capsicum pests such as thrips and mites in a polyhouse environment, it is important to implement integrated pest management strategies. This can include using natural predators or beneficial insects to control pest populations, applying appropriate pesticides, and regularly monitoring plants for signs of infestation.

How can I ensure that my capsicum plants receive enough pollination in a polyhouse environment, and what are the most effective pollination methods for capsicum cultivation?

To ensure that capsicum plants receive enough pollination in a polyhouse environment, it may be necessary to use artificial pollination methods, such as using a small paintbrush to transfer pollen between flowers. Alternatively, introducing bees or other pollinators into the polyhouse can also help to ensure adequate pollination.

How can I ensure that my capsicum crop is free from chemical residues and safe for consumption, and what are the best practices for managing chemical inputs in a polyhouse environment?

To ensure that capsicum crops are free from chemical residues and safe for consumption, it is important to carefully manage chemical inputs in a polyhouse environment. This can include using integrated pest management strategies to reduce the need for pesticides, monitoring and documenting all chemical inputs, and following appropriate safety protocols when handling and applying chemicals. Regular testing of crops for chemical residues can also help to ensure their safety for consumption.

Where can i get color capsicum processing sample project report for bank loan pdf?

Well, you can explore the best color capsicum cultivation in greenhouse project report PPT on our website and take help by checking out all the important details for your new business from it. It will serve you as a guide using which you can write your own color capsicum cultivation polyhouse project report and submit it to the bank to avail loan for your new venture.

What is the right color capsicum farming project report format for bank loan?

We have clearly stated the right format for color capsicum farming start up in our project report. You can check out the color capsicum cultivation project report for bank loan details by downloading it after making a nominal payment to us. We have covered every important aspect of this venture in our report

Can I download color capsicum farming project report pdf in the format of excel or word file?

You can easily download color capsicum cultivation in polyhouse project report ppt from our website in PDF Format and use it for writing your project report. If you want to get it in word or excel file. It is very simple to later convert the pdf to word or excel using free file converting tools.

Can I download color capsicum farming project report and use it for bank loan under pmegp mudra and other government scheme?

The main objective of color capsicum farming project report pdf is to highlight all important aspects of this business for your new set up and to provide sample format for preparing project reports for other purposes. However, according to your need, we will prepare customized capsicum polyhouse project report pdf for your set up so that you can get loan from the bank under any scheme.

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