eChapters

Stem-borer: Batocera rufomaculata, B. rubus, Olenecamptus bilobus:Cerambycidae

These are large dark brown adult beetles that lay eggs in loose bark.  Grubs bore into the trunk and make tunnels in branches and main trunks.  This causes drying and wilting of the branches. Adults of O. bilobus are pale whitish with long serrate antenna.
 
When bark is suspected to have the grubs, try mechanical removal of them. Paste the tree trunk with mud paste containing insecticides like chlorpyriphos or carbaryl. In endemic areas, spray the bark with Carbaryl 4gm /l, Malathion one ml/l, or Chlorpyriphos 2.5ml/l

Fig, Ficus carica grows in both mild temperate climates and in the tropics. In India, it is a minor fruit crop and the commercial cultivation is mainly confined to Maharashtra, Gujarat, Uttar Pradesh, and Tamil Nadu though is slowly spreading to warmer areas of Northern parts of the country. Very few insect pests come under the major category, the description of which is provided below:

Stem borer, Batocera rufomaculata (Cerambycidae: Coleoptera)

It is commonly known as mango and fig borer. The adults of this pest bear long serrated antennae and are also called as longicorn beetles. The adults get attracted to light. The female cuts the tree bark and lays eggs singly into these cuts, laying a total of up to 200 eggs. On hatching the larvae start to tunnel into the sapwood of the trunk or branches. The larvae pupate inside the tunnel and the adult comes out of pupae by cutting a circular hole. Frass comes out

The common fig, (Ficus carica L.) is a fruit of warm temperate zone. It is one of the oldest fruits known to man and is mentioned by well known Greek writers Homer and Plato. Mention about this fruit is in the earliest chapter of Bible. Figs belong to family Moraceae, which include many tropical fruits and ornamental species. The fruit is known botanically as ‘syconium’ in which the flowers are borne on the inner walls of a hollow receptacle. It is one of the most salt and drought tolerant amongst fruit trees. Fig is a moderate sized deciduous tree in subtropics but performs as evergreen in tropics. Branches are irregular, shoots develop at base of trunk, leaves are very broad, ovate and long stalked. Fruits mostly long stalked, pear shaped with a velvety or glabrous skin, yellow, brown, purplish or black in colour. 

1.    The alkaloids percent in arecanut and betel vine is ……………………
2.    In India average productivity of plantation crops is ……………………..
3.    Largest producer country of rubber is…..............…………………….. 

Filler flowers play an essential role in floral arrangements by providing volume, texture, colour balance and supporting elements around major cut flowers. This chapter presents several commercially useful filler crops and their production technologies. It covers crop establishment, climate, soil, propagation, nutrient management, irrigation, crop regulation, pest and disease management, harvesting, drying and postharvest handling. Crops such as Ammi and other seasonal fillers are discussed from a commercial production perspective. The chapter also considers yield, stem quality and market requirements, demonstrating how filler crops can diversify farm income and create profitable opportunities within modern floriculture enterprises.

Filling converts freshly frozen ice cream into commercially marketable product formats while maintaining accurate portioning, appearance, hygiene, and structural quality. This chapter examines the major filling and forming systems used in industrial ice cream production. It covers cup, cone, moulded stick, extruded novelty, tub, and family-pack filling lines. The chapter explains equipment functions, filling principles, product handling, and operational considerations for different formats. Common filling defects and corrective measures are also discussed. Standard operating procedures for start-up, operation, and shutdown provide practical guidance for plant personnel. Effective filling operations are essential for achieving consistent weight, attractive presentation, packaging integrity, productivity, and efficient manufacturing performance.

After the patient has been radiographed, the exposed X-ray film is processed to produce the consistent quality radiographs. Film processing can be manually, or use an automatic film processor.  Manual film processing is a multi-stage process involving five basic steps in processing X-ray film: 
    i)    Developing 
    ii)    Rinsing 
    iii)    Fixing
    iv)    Washing
    v)    Drying. 

I. Filtration

Filtration is a process of separation of precipitate from solution. Filtration is used to remove impurities from a solution (or) to isolate a solid.

Filtration may be defined as the separation of a mixture or solution into component parts. The resulting components may be pure or may be solutions or mixtures. In water/wastewater treatment filtration technique is used for removing suspended solids, dissolved solids and organic matter.

Creating and sustaining a healthy aquarium depends on the correct setup and operation of filtration, aeration, and heating systems. These components function collectively to maintain clean water, adequate oxygenation, and consistent temperatures—key elements for the health and comfort of aquatic life.
Filtration systems clear debris, neutralize toxic substances like ammonia and nitrites, and provide a home for beneficial bacteria that fuel the nitrogen cycle. Options include internal filters, canister models, sponge filters, and hang-on-back units, each ideal for different tank capacities and setups.
Aeration equipment—such as air pumps, bubble stones, and diffusers— boosts dissolved oxygen and enhances water movement, which is especially critical in well-stocked or densely planted aquariums and during warmer periods when oxygen tends to deplete. Heaters are essential for tropical tanks, maintaining water temperatures typically between 24–28°C. A stable temperature supports healthy fish metabolism, immune response, and breeding activity. Together, these systems are the core of a functioning aquarium. Choosing the right equipment and maintaining it regularly ensures optimal conditions for both fish and plants.
TYPES OF FILTERS: INTERNAL, EXTERNAL, SPONGE, CANISTER
Aquarium filters come in various types such as internal, external (canister), sponge, and hang-on-back (HOB) filters. Internal filters operate from inside the tank, while external canister filters function outside. Sponge filters work using an air pump that moves water through a foam medium. HOB filters are mounted externally on the tank’s back.

a. Balance Sheets or Net worth Statement

Balance sheet is the list of assets and liabilities owned by a business. It helps to calculate the growth in net worth of the business by calculating the change in assets less the change in liabilities. They represent the financial foundation on which the business is built.

The term ‘balance sheet’ implies some sort of balance as part of the document. That balance represents the relationship between assets on one side, and liabilities on the other, and the basic accounting principle that assets always equal liabilities plus equity. Since it is simply a list of assets owned and debts owed, at a given time, with monetary values attached, we must understand the concepts of assets and liabilities.

Assets are resources owned by or owed to the business such as dairy, equipment, real estate, and notes receivable. Assets are those parts of the business that are owned or controlled. They include any property/resource owned by a person or business e.g. cash, land, buildings, dairy, farm equipment and dairy-related share. Assets are usually listed on the top or on the left hand side of the balance sheet. They are classified in following ways

A TTO needs a planned budget of five years to sustain it in the long term. This involves budgeting the infrastructure, manpower, research, and outreach programs. The budgetary needs of a TTO will be based on the size and scope of the TTO and the maturity of the parent institution it caters to. The initial years will be focused on capacity development, the appointment of experts, and the establishment of processes of intellectual property management. The mature TTO will generate income through the returns of the licensing agreements and the collaborative efforts with the industry. Nevertheless, external funding through grants and government schemes plays a vital part, particularly in the initial years. The planned budget ensures long-term stability and development of the TTO.
9.1 Budgetary heads
9.1.1 Operational expenditure
Operational expenditure refers to the ongoing costs incurred by a TTO to maintain its day-to-day operations. This includes the cost of maintaining the office, including rent, power and utility bills, computer and network infrastructure, patent management cost, and administration charges. The filing and legal charges also fall within this category. The overheads will be a heavy burden if not planned with finances properly. A TTO has to be provided with a properly planned operational budget that covers the daily operational expenses. The operational expenses help the office perform effectively, sustain the employees, and effectively manage IP. The operational expenses that the budget normally covers include:

Investment Appraisal Techniques

A financial evaluation/ appraisal of Project considers the possible compensations of completing the Project against the anticipated expenses. The assessment of the project will rely on several factors, including the Size of the project, time span of project etc. The motivation behind the financial evaluation is to decide if the project is advantageous, contrasting its expenses and its expected normal advantages. These methods are primarily designed to evaluate the effectiveness of a new project. This investment evaluation technique includes Payback Period, Internal Rate of Return (IRR), Net Present Value (NPV), Accounting Rate of return (ARR), Profitability index etc. Each of these techniques evaluates the project from various angles and provides very useful insights. Investment appraisal techniques are divided in two parts namely, discounted cash flow methods and non-discounted cash flow methods.

Non-Discounted Cash Flow Techniques

Future cash flows are not brought to their Present value through Non-Discounted Cash flow methods. Non-Discounted Cash flow methods are also categorized into the following two techniques.

Sources of agriculture/ Livestock finance
Finance for agriculture can be obtained from formal and informal sources Formal sources
Credit co-operatives
Commercial banks
Government
Regional Rural Banks
Informal sources
Money lender
Friends and relatives
Traders
Landlords
3 R’s OF CREDIT
To estimate the rationality of a loan, it is essential to know credit analysis.

    a.    General Principles and practices
    b.    Analyzing project appraisals and reports
    c.    Capital Expenditure decisions, reinvestment and payback
    d.    Assessing project profits.

a. Financing the dairy enterprise

Dairy rearing provides triple benefits of income, employment and nutritional security to the society and is important source of subsidiary income to small/marginal farmers and agricultural laborers. Finance is a prerequisite and of paramount importance for setting up of a dairy enterprise whether a dairy farming unit for milk production, sheep or goat unit/piggery unit, dairy/poultry processing unit etc. Decisions about credit are often most important judgments that people in the agricultural industry must make. These decisions often determine whether individuals operating in input, production, processing, and services based dairy enterprise would succeed in making profit.

Livestock rearing provides triple benefits of income, employment and nutritional security to the society and is important source of subsidiary income to small/marginal farmers and agricultural laborers. Finance is a prerequisite and of paramount importance for setting up of a livestock enterprise whether a dairy farming unit for milk production, sheep or goat unit, piggery unit, dairy/poultry processing unit etc. Provision of credit/loans for the purchase of livestock, feed, veterinary services and insurance against the loss of valuable productive assets play an important role in encouraging new investments in the sector and also in coping with difficult problems such as draught and diseases. Decisions about credit are often most important judgments that people in the livestock enterprise must make. These decisions often determine whether individuals operating in input, production, processing and services based livestock enterprise would succeed in making profit.

8.1 Introduction

Giving people and companies access to basic financial services is known as f inancial inclusion, and it has long been a problem on a global scale. Millions of people worldwide still lack access to basic banking services like savings accounts, loans, and insurance and are either underbanked or unbanked altogether. Fintech, or financial technology, has emerged as a key player in resolving this problem by providing creative ways to improve banking service accessibility and advance financial inclusion.

One of the main forces behind promoting equitable economic growth and lowering poverty is financial inclusion.