NABARD Norms Cashew Processing

NABARD Norms Cashew Processing

Food Processing

Introduction

 Cashew is one of the most sought after nuts among dry fruits obtained from an exotic tree species. The commercial cultivation of cashew is taken up mainly in eight states in India namely  Andhra Pradesh, Goa, Kerala, Karnataka, Orissa, Maharashtra, Gujarat and Tamil Nadu. The current production in India accounts for 19.46 per cent of global production. Cashew nut is formed outside the fleshy fruit known as cashew apple.

In India, processing of cashew is manual and highly labour intensive process. The cashew industry is highly unorganized and scattered. Women constitute almost 90 per cent of labour force in cashew industry. Mechanization in cashew processing is picking up slowly. This model is prepared to provide guidance to start a new small scale cashew processing unit.

Products and Uses

It is not possible to consume raw cashew and cashew apple. Therefore, both of them need processing before consumption. Raw cashews are processed to cashew nuts, which is one the famous dry fruits. These are consumed directly or converted to variety of products like salted cashew nuts, Kaju Burfi, cashew curries etc. Cashew apple pulp rich in carbohydrates is converted to beverages and famous fermented product known as Feni. Another important byproduct of cashew industry is cashew nut shell liquid (CNSL) which is produced from cashew shells.

Manufacturing Process

Quality Control and Quality Assurance

The processing units should follow the Food Safety and Standard Authority of India (FSSAI) act 2006. FSSAI Act is applicable pan India for all food products

Financial Analysis

Means of Finance:- Financing to food processing falls under priority sector lending. The loans to units meeting the criteria of MSME are classified under MSME sector. Such units can be financed by any scheduled commercial banks, Regional Rural Banks and Cooperative Banks.

Margin Money:- The margin money varies from minimum 10 per cent to 25 per cent of project cost.

Interest Rate:- It has an interest rate of 12 per cent for term loan and 12.5 per cent for working capital to assess the bankability of the model project.

Repayment Period:- The repayment period has been 10 years with a grace period of one year.

Q.1 India account for how much percent of total cashewproduction of world according to NABARD Norms?

• 1.46%
• 19.46%
• 12.33%
• 10%
• 5%

Q.2 Cashew apple pulp rich in….?

• Protein
• Vitamin
• Carbohydrate
• Enzyme
• Minerals

Q.3 the Food Safety and Standard Authority of India (FSSAI) act enacted in India in?

• 2000
• 2005
• 2008
• 2006
• 2012

Q.4 important byproduct of cashew industry is?

• cashew nut shell liquid (CNSL)
• Kaju Burfi
• Feni
• Cashew nut
• All of these

NABARD Norms Cashew Processing