1. Samridhi Agri Products Pvt Ltd

2. Samridhi – A Venture of Young Professionals
• Private Limited Company, started operations in 2010.
• Team of professionals with total professional experience of
over 70 years in the fields of microfinance, rural retail,
banking and IT.
• Started with dairy initiative, procures milk from BPL rural
women
• Area of Operation- Deva-Block of District Barabanki, Uttar
Pradesh (amongst 100 poorest districts)
• Focus of activities to reach out to the poorest of poor as
identified by PPI™ (ideally less than 18)
• Baseline Survey Format

3. Current Status: On the Path to Scale Up
Oct’11 Implementation Commences
• Created 68 direct jobs from
BPL population having PPI™
Jan’12 First batch of cattle assigned
<18
• Currently procuring 1088
LPD from 234 members in 7 April’12 140 Direct Jobs Created
villages
• Operational break-even Sep’12 Evaluation Completes
achieved in the month of
October’11 Dec’12 Scaling Up

4. Samridhi: Mission and Vision
• Mission-
“To increase the productive
capacity of the rural producers by
providing sustainable small scale
business solutions in a socially
responsible manner.”
• Vision-
“To create livelihood solutions for
1,00,000 families across over
1000 villages and creating 20,000
direct jobs by the year 2017.”

5. India Vs Bharat – A Tale of Contradictions
• 69% of total population is in villages (Census’11)
• 72% of population in villages are farmers
• About 16% of total population are casual laborers
(Census’11)
• 45% of total farmers are marginal farmers (Economic
Times)
• Average 48 wage days in MNREGA (CAG)

6. Rural Crisis – Bharat is NOT Shining

7. Way-out – Infusion of Patient Capital and Ecosystem
• Asset on micro-leasing
• Consumables on credit with moratorium in
payment
• Information dissemination on best practices
• Regularity of payment
• Arrangement for fair price discovery of final
produce

8. Area of Operations – Immense Potential
District Rural Marginal Agri.
Population* Farmers** Laborers**
Sitapur 39,44,454 20,40,347 10,73,867
Barabanki 29,27,736 14,85,640 781915
Lucknow 15,50,737 18,9,279 58,384
Total 37,15,266 19,14,166
Target Segment - 1 Target Segment - 2
* Census – 2011, **ICSSR - 2001

9. Infinite Opportunities, Resource Constraints
Target Economic Indicators Proposed Solution Potential Target Clients
Segment (Three target till 31st
districts) March’15
-No skills Milk production as 5,00,000(Disc 6,870
-No Productive Assets livelihood option ounting rural
-Grameen* PPI™ of casual labor
less than 18 population by
50%)
-Land size less than 1 •Agriculture credit 19,00,000 32,360
Acre with moratorium on (Discounting
- Dependence on payments by 50%)
Input Supplier • Equipments on rent
- No forward linkages
- Getting farming
equipment on rent
*Grameen Foundation Progress out of Poverty Index ™ (or “PPI”)

10. Livestock as Livelihood - Laborer to Producer
Service Client/Annum Samridhi/Annum
Margin from Milk INR 6,000 INR 3,500
Margin from Feed INR 240 INR 120
Veterinary Services INR 1,200 -
Service Client/Annum Samridhi/Annum
Milk For Samridhi - INR 22,050
Additional Milk INR 9,450 INR 1,575
Selling Calves INR 6,900 -
Fixed Salary INR 6,000 -
Calculation for Client has been for Goat rearing
Family rearing goat will have additional income in three years – INR 94,000

11. Impact Assessment – Rigorous and Regular
• Capture individual PPI™ scores for each client
• Other indices we measure to indicate social
impact:
1. Housing Index
2. Nutritional Index
3. Education Levels
4. Cash Flow of households
• Quarterly surveys every quarter to assess the
progress out of poverty

12. Uniqueness – In Concept and Delivery
• Localized Solutions
- Use of local resources
- Skill development of villagers
• Ecosystem, not a single activity
- Access to assets
- Skills
- Inputs
- Marketing of produce

13. Human Resources and Partnerships – Strength
of Solution
• Partnerships:
Sanchetna – Financial Products
UPAYA SV – Technical and financial
support
ASI Voca – Agri Services
The Goat Trust – Para Vet Services
Gopaljee Group – Marketing
• Promoters:
Seven IRMA graduates having combined
social business experience of about 50
years, out of which 25 years in Amul

14. Board: Pillar of Strength
Member Qualification Current Prior Experience
Occupation
Lokesh Kumar B.Tech. Founder – Over 7 years in social sector
Singh PGDRM Samridhi Agri including 3 years with SKS
(IRMA) Products handling operations in 11 states
Niraj Pareek PG Director – Over 5 years including 2 years
Certificate Samridhi Agri with Accenture in HR Team
from XLRI Products
Sachita Shenoy MBA - Executive Capital Markets: JP Morgan, PwC
University of Director – UPAYA Director, Global Programs - Unitus
Chicago Social Ventures
Chris Turillo MBA – Co Founder – Director – SKS Foundation USA
University of Medha Intern – Sequioa India
Chicago
Prabhat Singh B. Tech. – Management Sr. Manager - NDDB
Bisht Pantnagar Consultant

15. Organizational Structure

16. Competitive Scenario: Crowded with Enough Scope
Area Player Services
Milk Production Milkmen Procuring milk with erratic payments but advance extended
State Co-op Procuring milk from village coordinators based on FAT only
NGO In the field of Extension Services but grant dependent
Animal No services at the villages level. Villagers are supposed to be
Husbandry paying for each visit hence dependence on quacks
Dept.

17. Competitor Analysis (In Market)
Attributes Local Private State NGO Samridhi
Player Company Player
Advisory Services
Fair and Transparent
Pricing
Regularity of Payment
Experienced Management
Services at door step
17

18. Resource Requirement – Social and Financial Rewards
Total Equity Requirement – INR 3,00,00,000
Particular Amount Allocated
Assets for Chilling Stations 1,15,00,000
Cattle 1,85,00,000
Total 3,00,00,000

19. Towards
Prosperity….
Thank
You
Samridhi Agri Products
Pvt Ltd
5/82 Vipul Khand
Gomtinagar, Lucknow
0522- 4076350

20. Annexure 1: Goat Reproductive Cycle
7 Months 7 Months 7 Months
7 Months
7 Months

21. Annexure 2: Client Benefit from One Goat
Time Goats LPD/Goa Samridhi Member’s No. of Member’s Male Goats
t Share Days Benefit
(LPD) (INR)
Feb ’12- Jul ’12 1 1.25 0.85 0.40 153 1285.20 -
Sep ‘12- Feb ’13 1 1.50 0.85 0.65 153 2088.45 1
Apr ‘13- Sep ’13 1 1.75 0.85 0.90 153 2891.70 1
Nov ’13- Apr ’14 1 2.00 0.85 1.15 153 3694.95 1
Apr ‘14- Sep ’14 1 1.25 - 1.25 153 4016.25 -
Jun ‘14- Nov ’14 1 2.00 0.85 1.15 153 3694.95 -
Nov ‘14- Feb ‘15 2 1.25 - 2.50 122 6405 1
Total Revenue to the client from Milk: INR 24,076.5
Cost of feed @6 LPD
Net Benefit = 24,076.5 – 6,879 = 17,197.5
Total Revenue to the client from sale of Male goats: INR 14,000
Total Benefit to the Client: INR 31,197.5

22. Assumptions for Milk As Livelihood
• A non-member generates 1,000 liters of milk in a year
• Members given 3 goats for a period of three years
• Productivity of goats goes from 1.25 LPD to 2 LPD in
three years
• Price of a male goat: INR 3,500
• Margin on liquid milk: INR 3.5/Liter