F.No.48-7/2009-TS(Sheep) Government of India Ministry of Agriculture Department of Animal Husbandry, Dairying & Fisheries … Krishi Bhavan, New Delhi. Dated the_20th May, 2009 To The Secretary, Department of Animal Husbandry, Dairying & Fisheries, All States/UTs (As per list) Subject: Administrative Approval with respect to Central Sector Scheme “Integrated Development of Small Ruminants and Rabbits”. Sir, I am directed to convey the administrative approval of the Government of India towards implementation of the above mentioned scheme during 2009-10 and XI Plan. The scheme has been approved for rest of XI Plan with an allocation of Rs.134.825 crores and annual outlay of Rs.18.33 crores for 200910. The major components of the proposal are given as below: (i) (ii) (iii) (iv) creation of a venture capital fund to foster area / cluster-based integrated development as a viable commercial activity; strengthening of infrastructure, human resources, institutions and rearers’ organizations for rapid improvement of these species; developing a skill-pool of NGOs for taking up development projects on PPP mode; resource mapping in identified districts for sheep, goat, rabbit in terms of raw material source as well as consumption pattern and potential. Integrated development of potential clusters will be implemented by NABARD. Activities relating to State Government institutions will be undertaken by a designated State Implementing Agency(SIA). For institutional restructuring, every participating State will be required to nominate / designate an existing organization as the State Implementing Agency charged with the responsibility of carrying on institutional restructuring and remodeling of State Government Institutions to suit the mandate and purpose of the scheme. A suitable semi-Government organisation dealing with the sector exists in most states. Each participating State will constitute a State Level Sanctioning and Monitoring Committee (SLMC) which will be chaired by Principal Secretary / Secretary of Animal Husbandry Department in the State. A copy of the modalities of implementation and brief description of activities proposed to be taken up under this scheme and conditions laid down by the Ministry of Finance for the scheme is enclosed as Annexure-I, II, III, IV, V & VI. This issues with the approval of competent authority and concurrence of Integrated Finance Division vide their Dy. No.398/AS&FA dt.12.05.2009. (R.S. Jayal) Under Secretary to the Government of India Encl: As stated. Copy for information and taking necessary action to: 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. Managing Director, NABARD, Plot No. C24, G Block, III Floor, C Wing, Bandra Kurla Complex, Mumbai 400 051. Chief General Manager (TSD), NABARD, Plot No. C24, G Block, III Floor, C Wing, Bandra Kurla Complex, Mumbai 400 051. Director of Animal Husbandry & Veterinary Services, All States and UTs. Secretary, Finance Department, All States and UTs. Principal Accounts Officer, Department of Animal Husbandry, Dairying and Fisheries, 16-A Akbar Road Hutments, New Delhi. Pay and Accounts Officer (Secretariat), Department of Animal Husbandry, Dairying & Fisheries, Room No.35-A, Krishi Bhavan, New Delhi. PPS to Secretary (ADF)/PPS to AHC/PS to AS&FA/ PS to JS (P&F) Director (Finance)/US(Fin.)/Budget Section. JC(LP) Guard file. (R.S. Jayal) Under Secretary to the Government of India Annexure-I Modalities of implementation and brief description of activities proposed to be taken up under the scheme Integrated Development of Small Ruminants and Rabbits. A. Modalities of Implementation The scheme will be implemented in a bimodal approach comprising of a Venture Capital Fund operated by NABARD and a State Implementing Agency (SIA) designated by the State Government undertaking the activities relating to State Government institutions. There will be a State Level Sanctioning and Monitoring Committee (SLMC) constituted by NABARD in each State covered under the scheme, which will be headed by Principal Secretary / Secretary of the Department of Animal Husbandry in the State. The SLMC will have as its Member a representative each from: (i) Department of Animal Husbandry, Dairying & Fisheries, Ministry of Agriculture, Government of India. (ii) Lead Bank in the State. (iii) State Animal Husbandry Department. (iv) An NGO actively operating in the State. The Committee will liaise with the Department of Animal Husbandry, Dairying and Fisheries (GOI), State Government Departments, prominent NGOs and NABARD’s Head Office. 2. At the National Level, A Central Monitoring Committee will be constituted to approve projects to be sanctioned directly by the Department and to formulate operational plan and policy with respect to the scheme. 3. The States participating in the project will identify a suitable Semi-Government Agency and designate the same as the State Implementing Agency (SIA) for implementation of the project. The primary responsibility of the SIA will be to spearhead Institutional Restructuring as it relates to sheep, goat and rabbit development. The SIA will also be charged with responsibility of developing synergy among prominent stakeholders concerned with development of these species in the State as well as up-gradation of institutional infrastructure. 4. For commercial rearing units, the intended beneficiaries are landless and marginal farmers. Preference would be given to women. For breeding Farms and Open Nucleus Flocks, the beneficiaries will be traditional breeders as well as entrepreneurs. Entrepreneurs will be primary beneficiary of the interventions relating to market linkages. B. Monitoring Arrangement 5. A mechanism for monitoring performance of these farms is also to be evolved by concerned Department of State Government. At the State level, the scheme will be monitored every quarter by the State Level Sanctioning & Monitoring Committee. NABARD Head Office will also monitor physical and financial implementation of the project and submit returns to the Department of Animal Husbandry Dairying & Fisheries, Government of India. The SIA will report progress of their activities to the Department of Animal Husbandry, Dairying & Fisheries, Government of India. C. Activities proposed to be taken up I. Launch & Promotion of the Scheme Since participation of beneficiaries is a key to success of the scheme, NABARD as the principal implementing agency will initiate action to identify prominent NGOs who are already active in the field and have experience of dealing with livestock owners so that they can be supported for organizing farmers / rearers. Best of such NGOs will also be charged with responsibility of forming local NGOs to act as guardian for the new growers / rearers. Repeated financing of same NGOs may be avoided, and that NABARD should share list of NGOs, maintained with NABARD, and their credibility ranking with the Department. (a) It was decided that detailed guidelines regarding capacity building in NGO Sector, will be prepared before launch of Scheme. (b) It was decided that interest accrued on project and amount of loan recovered from beneficiaries should be computed annually and adjusted against future releases to corpus. (c) It was further decided that for insurance, competitive bids may be invited from insurance companies and farmers in project area trained and made aware of benefits accruing out of insurance. To propagate insurance in non-scheme animals, insurance companies may be advised to develop insurance module for rabbits in general and Angora rabbits in particular. For the purpose of insurance coverage, 4% of the average value of animals will constitute the premium and 75% of the premium will be borne on the project. An average value of Rs.2000/- will be assumed for small ruminants. Rearers will also be insured under a composite insurance programme. II. Intensive Cluster Development and Venture Capital Fund (a) There will be 54 intensive clusters for sheep and goat. In each cluster, 100 commercial units of sheep and / or goat will be set up, each unit will comprise of 40 female and 2 male animals. Breeding farms for sheep and goat breeds in private sector with minimum flock size of 500 female and 25 males will also be supported. Units of Angora Rabbit farms and units of broiler rabbit farms will be established with cluster approach. Establishment of breeding farms with satellite grower units will also be supported so as to ensure timely supply of breeding material to the rabbit rearers. III. Institutional restructuring and grants-in-aid to State Implementing Agencies. The State Implementing Agency (SIA) will orchestrate all activities and coordinate with partners. The SIA will be eligible for managerial grant to the tune of 2% of the turnover in scheme-related activities subject to a maximum of Rs.30.00 lakh per year. The Government institutions charged with responsibility of sheep, goat and rabbit development may be restructured to conform to the SIA concept which is already popular since launch of the National Project of Cattle and Buffalo Breeding. IV. Other activities germane to sheep, goat and rabbit development: This will be approved by the Central Monitoring Committee and releases made by DAHD. The advantages of rearing sheep and goat of breeds having high fecundity are well established. Efforts will be made to exploit high fecundity breeds. It is proposed to establish three Biotechnology Centres for this purpose. The project will require quality specimens of ram and buck on continuous basis. Therefore, four AI Centres/ laboratories are proposed under the scheme to take artificial insemination to the rerears of small ruminants. V. Strengthening and revival of potential sheep/goat breeding farms and their corporatization: There are about 60 sheep breeding farms and over 50 goat breeding farms under state Governments. Grants to the tune of Rs.50.00 lakh will be made available to select government farms having potential of revival / corporatization. Such farms should attain minimum flock strength of 1000 females and 50 males. Civil construction in the revival package should not exceed 10% of the total cost. Such farms will be required to develop a revival package so as to become self-sustaining within a period of four years. Assistance under the project will also be available so as to enable the State authorities engage an appropriate consultant for chalking out a revival plan for the farm(s). This activity will be implemented by the designated State Implementing Agency. VI. Creation of open nucleus breeding flocks in collaboration with farmers: These flocks will have strength of 500 females and 25 males of one breed, and will be required to follow pure breeding and maintain production, growth and reproduction records to enable implementation of a scientific selection and breeding programme for the flock. Funds required for setting up the units will be provided in the venture capital mode by NABARD who will select the collaborating farmers, guide them into the programme and supervise progress. The SIA will undertake to provide technical support and inputs to such activity in the vicinity of the revived breeding farms so as to augment supply of breeding material and improvement in indigenous breeds. VII. Improvement of high fecundity breeds and exploitation of fecundity gene to improve productivity in indigenous breeds: Garole breed of sheep is known to have Fec. B gene which leads to twining. Twining is also common in some other sheep breeds as also in Black Bengal Goats. Development programmes in breeding tracts of these breeds to improve body weight and establishment of bio-technology centers to exploit genes responsible for high fecundity will be taken up on a regional basis. Under the bio-technology centers, programmes will be undertaken to attain flock strength of 500 animals which are homozygous for the high fecundity genes. In the breeding tracts, programmes will be taken up towards improvement in body weight in these breeds through appropriate nutritional, genetic and other interventions. VIII. Projects for integrated development of rabbits (Angora & Broiler) A number of pilot projects have been successfully implemented in the country, which have established the potential of rabbit rearing, both for fibre and meat, as a commercially remunerative activity. Accordingly, rabbit rearing activities in the Venture Capital Mode will be promoted through NABARD. Annexure-IV Conditions to be followed while implementing the scheme 1. Interest accrued on project and amount of loan recovered from beneficiaries should be computed annually and adjusted against future releases from the corpus. 2. Repeated financing of the same NGOs may be avoided. NABARD should share the list of partner NGOs maintained with it, and their credibility ranking, with the DAHD&F. Detailed guidelines regarding capacity building in NGO Sector, will be prepared before launch of Scheme. It should be ensured that publicity campaigns should be focused on the target group for better results. 3. For each breeding farm for small ruminants, standards in terms of body weight at different ages, health protocols, etc. are to be laid down for maintenance of breeds. It needs to be ensured that a mechanism for monitoring the performance of these farms is evolved by the concerned Department of the State Government under the oversight of DAHD&F. 4. For the component on insurance (to cover the animals to be bred at the breeding units established under the Scheme), competitive bids may be invited from insurance companies; and farmers in the project area be trained and made aware of benefits accruing out of insurance. Insurance companies may be advised to develop specific insurance modules for rabbits in general and Angora rabbits in particular. 5. State Level Committees will be headed by Principal Secretary / Secretary of the Department of Animal Husbandry in the State. The proposals under “other activities germane to sheep, goat and rabbit development” will be approved by the Central Monitoring Committee and released made by DAHD&F. Innovative projects for production of value-added products may also be encouraged under the Scheme. 6. Training of bankers may not be funded from this scheme. 7. Even though a provision of Rs.4 crore has been allowed under the scheme for organizing farmers, already existing SHGs should be profited from, as far as possible, rather than forming new groups. 8. Work under the scheme, especially the component for setting up slaughter houses and retail outlets with cold storage facility, should be synergised with the work of the Ministry of Food Processing Industries (MFPI). The component for Entrepreneurship Development could also be converged with MFPI’s scheme for the purpose. All possible assistance for developing standards of hygiene and good practices for international marketing of meat should be sought from the newly established National Poultry and Meat Processing Board. 9. Model DPRs / proposals may be developed and placed in the public domain through internet for potential entrepreneurs to derive benefit from. 10. KVKs and ATMAs may be involved in the project for building up local capacities in the area. Annexure-111 Recast Year-wise Phasing of Physical and Financial Activities Under Integrated Development of Small Ruminants and Rabbits (IDSRR) in the light of discussions in meeting of EFC on 16.2.2009 (Rs. in Crores) S. No I II III IV Component Launch and Promotion of Scheme i) Capacity building in NGO sector ii) Training of Farmers iii)Pre-project potential survey and resource mapping iv) Organisation of farmers (SHGs & Farmers’ Organisation) v) Publicity & campaign 2009-10 iii) Sponsoring need based Research / 2011-12 Total (XI Plan) P F P F P F P F 4 5000 10 1.00 1.00 2.5 4 5000 5 1.00 1.00 1.25 4 5000 5 1.00 1.00 1.25 12 15000 20 3.00 3.00 5.00 4000+2 1.00+ 0.60 1.50 6.35 4000+ 0.60 - 1.00+0.60 10000+5 1.00 5.85 - 2.50+1.50 =4.00 3.00 18.00 1800 9.00 3100 15.50 5400 27.00 80 300 10.00 3.375 22.375 8.00 60 200 7.50 2.25 25.25 4.00 140 500 17.50 5.625 50.125 12.00 0.50+ 0.30 0.50 5.80 Sub-Total Intensive Development of Potential Clusters with Venture Capital Fund i) Setting up commercial units with Sheep & 500 2.50 Goat ii) Private Breeding arms with Sheep & Goat iii) Setting up commercial Rabbit Units 2.50 Sub Total Insurance Cover Sub Total Institutional Restructuring i) Revival of potential Government Breeding Farms ii) Interventions in the breeding tracts of high fecundity breeds 2010-11 2000+1 - 2 lakh + 4000 1 lakh + 20000 8.00 3 lakh + 60000 12.00 4.00 6 3.00 4 2.00 - - 10 5.00 6 3.00 4 2.00 - - 10 5.00 - 1.00 - 1.00 - 1.00 - 3.00 Studies & linkages with professional bodies. V. 10 iv) Human Resource Development, orientation of functionaries. 2 v) Ram / Buck shows Sub Total Other Activities germane to Sheep, Goat and Rabbit Development i) Biotech Centres for Fecundity Genes ii) A1 in Sheep & Goat 1.00 5 0.50 5 0.50 20 2.00 0.20 8.20 10 1.00 6.50 6 0.60 2.10 18 1.80 16.80 - 2 2+1 1 1 5.00 1.00 3 4 15.00 7.00 iii) Innovative projects iv) Miscellaneous (Admn. Costs to NABARD/STA Sub Total Grand Total 4.00 0.50 10.00 2.00 +4.00 = 6.00 4.00 1.00 - 12.90 3.00 - 4.50 21.00 - 21.00 64.225 4.90 1.50 12.40 49.60 37.90 134.825 Annexure - II Approved Components of Integrated Developmet ofSmall Ruminants and Rabbits (IDSRR) Sl.No. Component 1 I 2 Launch and Promotion of Scheme i). ii). iii). iv). Capacity building in NGO sector Training of Farmers Pre-project potential survey and resource mapping Organisation of farmers(SHGs & Farmers’ organization ) v). II. Publicity & campaign Sub Total Intensive Development of Potential Clusters with Venture Capital Fund i). Setting up commercial Units with Sheep & Goat. Pattern of Assistance 3 Target Group/ Beneficiaries 4 Implementing Agency 5 Allocation (Rs. In crores) 6 GRANT NGOs / Bankers/ Farmers -- NABARD 3.00 GRANT NABARD GRANT Farmers NABARD 3.00 5.00 GRANT -- NABARD 4.00 GRANT -- NABARD 3.00 18.00 NABARD 27.00 Venture Capital Farmers ii). Private Breeding Farms with Sheep & Goat Venture Capital Farmers/ NGO NABARD 17.50 iii). Setting up Commercial Rabbit Units Venture Capital Farmers NABARD 5.625 Sub Total III. 50.125 Insurance Cover Premium Subsidy Farmers GICetc/ NABARD Sub Total IV. Institutional Restructuring i). Revival of potential Govt. Breeding Farms ii). iii). Interventions in the breeding tracts of high fecundity breeds Sponsoring need based Research / Studies & linkages with professional bodies 12.00 12.00 Grant-in-Aid Grant-in-Aid Grant-in-Aid State Farms/ Interpreneurs/ Farmer bodies/ NGO Farmers SIA 5.00 SIA 5.00 Professional bodies/ Research Agencies SIA 3.00 Sl.No. Component 1 2 iv). Human Resource Development, orientation of functionaries; v). Ram/ Buck shows Sub total Other Activities germane to Sheep, Goat and Rabbit Development V. Pattern of Assistance 3 Grant-in-Aid Target Group/ Beneficiaries 4 State Functionaries/ Farmers Implementing Agency 5 SIA Allocation (Rs. In crores) 6 2.00 Grant-in-Aid Farmers SIA 1.80 16.80 SIA/ Research Organizations/ NGO SIA/ Research Organizations/ NGO SIA/ Research Organizations/ NGO SIA/ Research Organizations/ NGO NABARD/ SIA 15.00 NABARD/ SIA/DAHDF 7.00 NABARD/ SIA/DAHDF 12.90 NABARD/ SIA/DAHD 3.00 i). Biotech Centres for Fecundity Genes Grants-in-Aid ii). A I in Sheep & Goat Grants-in-Aid iii). Innovative projects Grants-in-Aid iv). Miscellaneous (Admn. Costs to NABARD/SIA.) Grants-in-Aid Sub Total Grand Total 21.50 134.825 Annexure-IV Conditions to be followed while implementing the scheme 1. Interest accrued on project and amount of loan recovered from beneficiaries should be computed annually and adjusted against future releases from the corpus. 2. Repeated financing of the same NGOs may be avoided. NABARD should share the list of partner NGOs maintained with it, and their credibility ranking, with the DAHD&F. Detailed guidelines regarding capacity building in NGO Sector, will be prepared before launch of Scheme. It should be ensured that publicity campaigns should be focused on the target group for better results. 3. For each breeding farm for small ruminants, standards in terms of body weight at different ages, health protocols, etc. are to be laid down for maintenance of breeds. It needs to be ensured that a mechanism for monitoring the performance of these farms is evolved by the concerned Department of the State Government under the oversight of DAHD&F. 4. For the component on insurance (to cover the animals to be bred at the breeding units established under the Scheme), competitive bids may be invited from insurance companies; and farmers in the project area be trained and made aware of benefits accruing out of insurance. Insurance companies may be advised to develop specific insurance modules for rabbits in general and Angora rabbits in particular. 5. State Level Committees will be headed by Principal Secretary / Secretary of the Department of Animal Husbandry in the State. The proposals under “other activities germane to sheep, goat and rabbit development” will be approved by the Central Monitoring Committee and released made by DAHD&F. Innovative projects for production of value-added products may also be encouraged under the Scheme. 6. Training of bankers may not be funded from this scheme. 7. Even though a provision of Rs.4 crore has been allowed under the scheme for organizing farmers, already existing SHGs should be profited from, as far as possible, rather than forming new groups. 8. Work under the scheme, especially the component for setting up slaughter houses and retail outlets with cold storage facility, should be synergised with the work of the Ministry of Food Processing Industries (MFPI). The component for Entrepreneurship Development could also be converged with MFPI’s scheme for the purpose. All possible assistance for developing standards of hygiene and good practices for international marketing of meat should be sought from the newly established National Poultry and Meat Processing Board. 9. Model DPRs / proposals may be developed and placed in the public domain through internet for potential entrepreneurs to derive benefit from. 10. KVKs and ATMAs may be involved in the project for building up local capacities in the area. Annexure V Potential Districts for Resource Mapping of the Sheep/Goat / Rabbit Rearing Activities S. No. 1. 2. State Andhra Pradesh (13) 3. Arunachal Pradesh (4) Assam (8) 4. Bihar (9) 5. Chattisgarh (4) Gujarat (8) 6. 7. 8. Himachal Pradesh (5) J & K (5) 9. 10. Jharkhand (3) Karnataka (7) 11. Kerala (4) 12. Madhya Pradesh (4) Maharashtra (9) 13 14. 15. 16. Manipur (2) Meghalaya (1) Mizoram (1) Sheep/Goat Rabbit Adilabad, Chittor, Cuddapah, Guntur, East and West Godavari, Khammam, Nalgoda, Nizamabad, Prakasam, Rangareddy, Visakappttinam, Warangal. Lohit, Lower Subansiri, West Tawang Siang Barpeta, Dhemaji, Dibrugarh, Jorhat, Kamrup, Lakimpur, Nagoan, Nalbari Araria, Banka, Baghalpur, East Champaran, Katihar, Khagaria, Mazzafarpur, Purnia, Sitamarhi Dantewada, Jashpur, Raipur, Raigarh Bhavnagar, Dahod, Jamnagar, Kuchchh, Panchmahals, Rajkot, Sabar Kantha, Surendranagar. Chamba, Mandi, Kangra Kullu, Shimla Baramulla, Doda, Kathua, Rajauri, Udhampur Giridih, Hazaribag, Ranchi Belgaum, Chitradurga, Gulbarga, Kolar, Mandya, Raichur, Tumkur Idukki, Kannur Thiruvananthapuram, Ernakulam Chhatarpur, Jhabua, Shivpuri, Sidhi Ahmednagar, Beed, Dhule, Nashik, Pune, Sangli, Satara, Solapur, Yavatmal -Imphal East & West -Ri Bhoi -- Aizawl S. No. 18. 19. 20. 21. 22. 23. 24. State Sheep/Goat Rabbit Orissa (2) Rajasthan (14) Khordha, Raigada Ajmer, Barmer, Bharatpur, Bhilwara, Bikaner, Churu, Jaipur, Jaisalmer, Jalore, Nagaur, Pali, Sikar, Sirohi Udaipur Tamil Nadu Erode, Krishnagiri, Nagapattinam, (8) Sivaganga, Tirunelveli, Tiruchirapalli, Virudhunagar, Vellore Tripura (1) -West Tripura Uttaranchal Tehri Garhwal Pithoragarh (2) Uttar Pradesh Aligarh, Etah, Shravasti, Sitapur (4) West Bengal Bankura, Burdwan, Mushirabad, Darjeeling (8) Nodia, Purulia, 24 Parganas North & South Total - 126 Note : Out of the 126 districts indicated above, 54 districts will be selected for implementation Annexure -VI. Unit Costs and Norms 1. Capacity Building in NGO Sector (a) Reputed NGOs undertaking programmes for sheep, goat and rabbit development will be provided with grants up to Rs. 15.00 lakh towards strengthening of training infrastructure and faculty upgradation. (b) Such NGOs will be eligible to receive grants upto 10 lakh towards activities germane to sheep, goat and rabbit development. 2. 3. Training of farmers : Average cost of training a farmer has been taken as Rs. 2000/-. Pre -project potential survey and resource mapping : A sum of Rs. 25.00 lakh will be allowed for each potential State. 4 Organisation of Farmers: (a) SHGs : Average cost of formation of SHGs has been taken as Rs. 2500/(b) Farmers’ Organisations : Breeders’ Association, Breeders’ Cooperatives, Producers’ companies and other district level organizations which are already functioning will be supported with project grants upto Rs. 30.00 lakh. 5. Commercial Units of Sheep & Goat : An average cost of Rs. 1.00 lakh has been assume for an unit of 40 females and 2 males. 6. Breeding Farms for Sheep and Goat : An average cost of Rs. 25.00 lakh per breeding Farm has been assumed for flockshize of 500 females and 25 males. 7. Commercial Rabbit Units: Average cost of Rs. 2.25 lakh has been assumed. 8. Insurance of Livestock and Liverstock owners: Average cost of insuring one animal has been taken as Rs. 100/- on the basis of an assumed value of Rs. 2000/- and premium of 5% of value. Cost of insurance of owners have been taken as Rs.1000/-. 9. Grants to Governmetn Breeding Farms: Requirements for strengthening a farm will be allowed upto a cost ceiling of Rs,. 50.00 lakh. 10. Support to Breed Improvement in Breeding Tracts: Activities within the cost ceiling of Rs. 50.00 lakh will be admissible. 11. Human Resource Development and Orientation Programme for Functionaries: Participating States may be allowed to spend upto Rs. 10.00 lakh for this purpose. 12. Ram/ Buck shows : Organisation of Ram/ Buck shows in project areas will be encouraged. A sum of Rs. 10.00 lakh will be admissible for each show. 13. Biotechnology Centres for Fecundity Gene : Maximum ceiling for project grants for this activity will be limited to Rs.500.00 lakh. 14. Propagation of A.I in Sheep and Goats: Average cost of establishment of a A.I Laboratory and allied infrastructure is estimated at Rs.100.00 lakh but for the state of the art laboratories in appropriate institutions the cost upto Rs. 400.00 lakh may be allowed.