Understanding terms and formulas used to decide the MSP by CACP & Government of India


Cost of production of a Crop while deciding Minimum Support Price ( MSP ) is categorised into 3 major categories as,

  • A2¬† => Actual paid out cost
  • A2 +FL => Actual paid out cost plus imputed value of family labour
  • C2 =>¬†Comprehensive cost including imputed rent and interest on owned land and capital

A2 cost => includes all expenses in cash and kind on account of hired human labour, bullock labour, machine labour, seed, insecticides & pesticides, manure, fertilizers, irrigation charges and miscellaneous expenses.

A2+FL cost => A2 + family labour.

C2 cost => includes A2+FL cost, rental value of owned land, interest on fixed capital etc.

As per price policy 2014-2015, This projected cost is excluding the cost of marketing, transportation and crop insurance premium.

Reference – Cost Concepts http://eands.dacnet.nic.in/Cost_Concept/Cost_Con.pdf

Manual on Cost of Cultivation Surveys. – http://mospi.nic.in/publication/manual-cost-cultivation-surveys-0

How to download home loan provisional interest certificate for State Bank of India ( SBI )


Provisional interest certificate are required for submit the Income Tax return at the end of every financial year. If you are employeed or a businessman with any kind of loan, you need to submit the proof of how much is the loan, how much is the principal you repayed and how much is the interest you paid on the said loan, for that if you are a SBI customer you can get the provisioanl interest certificate by following ways ( NOTE: most of other banks also gives the certificate using your net banking account ).

Login to SBI website at https://retail.onlinesbi.com/retail/login.htm

once logged in, click “e-Services” from top menu, like below,


from the openend page, click “Certificates”


then you will get the list of all loans you have, from this select the laon account and click “Submit” you will get the home loan provisional interest certificate opened,


below that page there is a option for “View / Download in PDF” using which you can download the provisional interest certificate which is required for file IT return.