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WBC-VIII-Vol.4 – Resources – Forestry, Plantations and ... - BambuSC

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Repayment period<br />

The bank loan was considered at 90% of the unit cost i.e. Rs. 8,145/-. Income generation from the activity will<br />

commence from the 5th year onwards. The interest accrued during the gestation period will be deferred. The<br />

repayment of principal with deferred interest will be for four years i.e., 5-8th year of plantation, the details are<br />

provided in Table no.4<br />

Table-4: Amount of Bank loan <strong>and</strong> Repayment schedule for intensive cultivation of bamboo<br />

in one bigha (1/3 acre) wastel<strong>and</strong>s of Assam<br />

Years Unit Cost Bank Loan @ 90% Rate of Interest<br />

1 5630 5067 8 %<br />

2 1680 1512<br />

3 870 783<br />

4 870 783<br />

9050 8145<br />

Ye Loan Total Interest<br />

ars disbuloan<br />

accrued<br />

rsed outst<strong>and</strong> during<br />

durining<br />

at the year<br />

g the the end<br />

year of the<br />

year<br />

CumulatLoan<br />

repayment Income Surplu<br />

ive<br />

interest<br />

s<br />

Principal Accrued<br />

interest<br />

Interest Total<br />

1 5067 5067 507 507 0 0<br />

2 1512 6579 658 1165 0 0<br />

3 783 7362 736 1901 0 0<br />

4 783 8145 815 2715 0 0<br />

5 8145 815 3530 1500 882 815 2315 5530 3216<br />

6 6645 665 2647 2000 882 665 3547 7130 3583<br />

7 4645 465 1765 2500 882 465 3847 8730 4883<br />

8 2145 215 882 2145 882 215 3242 11130 7888<br />

8145 8145<br />

<strong>VIII</strong> World Bamboo Congress Proceedings Vol 4-10

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