PROJECT AT A GLANCE - TOP SHEET

1 Name of the Entreprenuer SUNITA SWALASINGH

2 Constitution (legal Status) Individual :

3 Father's/Spouce's Name SUJITA CHHINCHANI

4 Unit Address : AT-CHRISTIAN SHEET PO- GANDAHATI

0
Taluk/Block: RAYAGADA
District : RAYAGADA
Pin: 761213 State: ODISHA
E-Mail : [email protected]
Mobile 8917448384
5 Product and By Product Dress

6 Cost of Project : Rs. 1,00,000

Name of the project / business
MS Gayatri Tailoring Enterprises
activity proposed :
7 Means of Finance
Term Loan Rs. 95,000.0
KVIC Margin Money Rs. 35,000.00
Own Capital Rs. 5000.00

8 Debt Service : 2.31

Coverage Ratio

9 Pay Back Period : 5 Years

10 Project : 3 Months
Implementation
Period

11 Break Even Point : 76.37%

12 Employment : 2

13 Power Requirement : 500

14 Major Raw materials : BOTTON,THREAD,NIDDLE

15 Estimated Annual : Rs. 217500.00

Sales Turnover

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 DETAILED PROJECT REPORT
1 INTRODUCTION :

Tailoring of scope occurs during both initiation and planning. As the project charter is approved, stakeholders have an
opportunity to agree with the high-level tailoring of boundaries and deliverables. As the detailed project plan is
developed by the team and implemented, scope tailoring between tasks is agreed upon by the project team. Which
will create employment in my area and i will provide better service to the public and also my personal livelyhood will
be improved.

2 ABOUT THE PROMOTER :

Tailoring of scope occurs during both initiation and planning. As the project charter is approved, stakeholders have an
opportunity to agree with the high-level tailoring of boundaries and deliverables. As the detailed project plan is
developed by the team and implemented, scope tailoring between tasks is agreed upon by the project team. Which
will create employment in my area and i will provide better service to the public and also my personal livelyhood will
be improved. I am going to start At- Gandahati doing tailoring from last one year. So I want to start my own
business and enterprise in my area.

3 COST OF PROJECT
A. Fixed Capital Investment
a. Land : 200 Own

b. Workshed Area Sq.ft Rate in Rs. Amt. In Rs.

WORKSHED 100 100.00 10000.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
Total 10000.00
#REF!
C. Machinery Qty. Rate Amount in Rs.
TAILORING MACHINE 1 20000.00 20000.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
Total 20000.00

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 d. Preliminary & Pre-operative Cost : Rs. 2000.00

e. Furniture & Fixtures : Rs. 3000.00

f. Contingency/Others/Miscellaneous : Rs. 5000.00

Total Capital Expenditure : Rs. 40000.00

Working Capital : Rs. 60000.00

Total Cost Project : Rs. 100000.00

3.1 Means of Financing :

Own Contribution 5% Rs. 5000.00

Bank Finance : 95%

Term Loan Rs. 38000.00
Working Capital Rs. 57000.00

Total Rs. 95000.00

Margin Money (Govt. Subsidy) From KVIC 35% Rs. 35000.00

Margin Money Subsidy received From KVIC will be kept in term deposit as per norms of
PMEGP in the name of Beneficiary for three years in the financing branch.

3.2 STATEMENT SHOWING THE REPAYMENT OF TERM LOAN & WORKING CAPITAL :
TERM LOAN

Interest @
Year Opening Balance Installment Closing Balance
12.00%
1st 38000 1900 36100 4560
2nd 36100 7600 28500 4332
3rd 28500 7600 20900 3420
4th 20900 7600 13300 2508
5th 13300 7600 5700 1596
6th 5700 7600 0 684
7th 0 0 0 0
8th 0 0 0 0

WORKING CAPITAL

Interest @
Year Opening Balance Installment Closing Balance
12.00%
1st 57000 2850 54150 6840
2nd 54150 11400 42750 6498
3rd 42750 11400 31350 5130
4th 31350 11400 19950 3762
5th 19950 11400 8550 2394
6th 8550 11400 0 1026
7th 0 0 0 0
8th 0 0 0 0

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 3.3 STATEMENT SHOWING THE DEPRECIATION ON FIXED ASSETS:
WORKSHED @ 10.00%
Particulars 1st Year 2nd Year 3rd Year 4th Year 5th Year
Opening Balance 10000 9000 8100 7290 6561
Depreciation 1000 900 810 729 656
Closing Balance 9000 8100 7290 6561 5905
MACHINERY @ 10.00%
Opening Balance 20000 18000 16200 14580 13122
Depreciation 2000 1800 1620 1458 1312
Closing Balance 18000 16200 14580 13122 11810
TOTAL DEPRECIATION
Workshed 1000 900 810 729 656
Machinery 2000 1800 1620 1458 1312
Total 3000 2700 2430 2187 1968

4 Schedule of Sales Realization :

4.1 Details of Sales
Rate/ No. of Amount in Rs.
Particulars of Product
Pair/Unit Pair/Unit
0
DRESS STICHING 500.00 200 100000.00
BLOUSE 250.00 150 37500.00
SAYA 250.00 200 50000.00
KIDS DRESS 150.00 200 30000.00
0 0.00 0 0.00
0 0.00 0 0.00
0 0.00 0 0.00
Total 217500.00

4.2 Capacity Utilization of Sales

Particulars 1st Year 2nd Year 3rd Year 4th Year 5th Year

Capacity Utilization 70% 80% 90% 90% 90%

Sales / Receipts 152250 174000 195750 195750 195750

5 Rawmaterials :
Particulars Unit Rate/unit Reqd.Unit Amount in Rs.
BOTTON 0 1.00 926 926.00
THREAD 0 5.00 100 500.00
NIDDLE 0 10.00 20 200.00
ASTRA CLOTH METRE 30.00 100 3000.00
BOBIN 0 30.00 20 600.00
0 0 0.00 0 0.00
0 0 0.00 0 0.00
0 0 0.00 0 0.00
0 0 0.00 0 0.00
Total 5226.00
5.1 Wages :
No. of Wages Amount in Rs.
Particulars
Worker Per Month (Per Annum)
TAILOR HELPER 1 3000.00 36000.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
Total 1 36000.00

5.2 Repairs and Maintenance : Rs. 4350.00

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 5.3 Power and Fuel : Rs. 4350.00

5.4 Other Overhead Expenses : Rs. 4350.00

6 Administrative Expenses :
6.1 Salary
TAILOR CUM MANAGER 1 5000.00 60000.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0.00 0.00
0 0.00 0.00
Total 1 60000.00

6.2 Telephone Expenses 4350.00

6.4 Stationery & Postage 4350.00

6.5 Advertisement & Publicity 4350.00

6.6 Workshed Rent 0.00

6.7 Other Miscellaneous Expenses 4350.00

Total 77400.00
7 Capacity Utilization of Manufacturing & Administrative Expenses :
Particulars 1st Year 2nd Year 3rd Year 4th Year 5th Year
Capacity Utilization 70% 80% 90% 90% 90%
Manufacturing Expenses
Rawmaterials 3658 4181 4703 4703 4703
Wages 25200 28800 32400 32400 32400
Repairs & Maintenance 3045 3480 3915 3915 3915
Power & Fuel 3045 3480 3915 3915 3915
Other Overhead Expenses 3045 3480 3915 3915 3915
Administrative Expenses
Salary 60000 60000 60000 60000 60000
Postage Telephone Expenses 3045 3480 3915 3915 3915
Stationery & Postage 3045 3480 3915 3915 3915
Advertisement & Publicity 3045 3480 3915 3915 3915
Workshed Rent 0 0 0 0 0
Other Miscellaneous Expenses 3045 3480 3915 3915 3915
Total: 110173 117341 124508 124508 124508
8 Assessment of Working Capital :
Particulars Amount in Rs.
Sale 217500.00

Manufacturing Expenses
Raw Material 5226.00
Wages 36000.00
Repair & Maintenance 4350.00
Power & Fuel 4350.00
Other Overhead Expenses 4350.00

Production Cost 54276.00

Administrative Cost 77400.00
Manufacturing Cost 131676.00

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 Working Capital Estimate :
Element of Working Capital No of Days Basis Amount in Rs.
0 60 Material Cost 1045.00

Stock in process 59 Production Cost 10674.00

Finished goods 60 Manufacturing Cost 26335.00

Receivable by 50 Manufacturing Cost 21946.00

Total Working Capital Requirement Per Cycle 60000.00

9 Financial Analysis
9.1 Projected Profit & Loss Account :
Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
Sales / Receipts 152250 174000 195750 195750
152250 174000 195750 195750
Manufacturing Expenses
Rawmaterials 3658 4181 4703 4703
Wages 25200 28800 32400 32400
Repairs & Maintenance 3045 3480 3915 3915
Power & Fuel 3045 3480 3915 3915
Other Overhead Expenses 3045 3480 3915 3915
Depreciation 3000 2700 2430 2187
Production Cost 40993 46121 51278 51035
Administrative Expenses
Salary 60000 63000 66150 69458
Postage Telephone Expenses 3045 3480 3915 3915
Stationery & Postage 3045 3480 3915 3915
Advertisement & Publicity 3045 3480 3915 3915
Workshed Rent 0 0 0 0
Other Miscellaneous Expenses 3045 3480 3915 3915
Administrative Cost 72180 76920 81810 85118
Interest on Bank credit @ 12%
Term Loan 4560 4332 3420 2508
Working Capital Loan 6840 6498 5130 3762
Cost of Sale 124573 133871 141638 142423
Net Profit Before Tax 27677 40129 54112 53327
Less Tax 0.00 0.00 0.00 0.00
Net Profit 27677 40129 54112 53327

9.2 CALCULATION OF DEBT SERVICE CREDIT RATIO (D.S.C.R) :

Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
Net Profit 27677 40129 54112 53327
Add :
Depreciation 3000 2700 2430 2187
TOTAL - A 30677 42829 56542 55514
Payments :
On Term Loan :
Interest 4560 4332 3420 2508
Installment 1900 7600 7600 7600
On Working Capital
Interest 6840 6498 5130 3762
TOTAL - B 13300 18430 16150 13870
D.S.C.R = A/B
2.31 2.32 3.50 4.00
Average D.S.C.R

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 9.3 PROJECTED BALANCE SHEET :
Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
LIABILITIES :
Promoters Capital 5000 5000 5000 5000
Profit 27677 40129 54112 53327
Term Loan 38000 36100 28500 20900
Working Capital Loan 57000 54150 42750 31350
Current Liabilities 0 0 0 0
Sundry Creditors 0 0 0 0
127677 135379 130362 110577
ASSETS :
Gross Fixed Assets : 33000 30000 27300 24870
Less : Depreciation 3000 2700 2430 2187
Net Fixed Assets 30000 27300 24870 22683
Preliminary & Pre-Op. Expenses 2000 1500 1125 844
Current Assets 57000 54150 42750 31350
Cash in Bank/Hand 40677 53929 62742 56544
Total 127677 135379 130362 110577

9.4 CASH FLOW STATEMENT :

Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
Net Profit 27677 40129 54112 53327
Add : Depreciation 3000 2700 2430 2187
Term Loan 38000 36100 28500 20900
Working Capital Loan 57000 54150 42750 31350
Promoters Capital 5000 0 0 0
Total 130677 133079 127792 107764

Total Fixed Capital Invested 40000

Repayment of Term Loan 1900 7600 7600 7600

Repayment of WC Loan 2850 11400 11400 11400
Current Assets 57000 54150 42750 31350
Total 61750 73150 61750 50350

Opening Balance 0 68927 128856 194898

Surplus 68927 59929 66042 57414
Closing Balance 68927 128856 194898 252311

9.5 BREAK EVEN POINT AND RATIO ANALYSIS :

Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
Fixed Cost 79740 83952 87660 89813
Variable Cost 47833 52619 56408 54797
Total Cost 127573 136571 144068 144610

Sales 152250 174000 195750 195750

Contribution (Sales-VC) 104417 121381 139342 140953

B.E.P in % 76.37% 69.16% 62.91% 63.72%

Break Even Sales in Rs. 116269 120345 123147 124729

Break Even Units 233 241 246 249

Current Ratio 3.53 1.82 1.55 1.24

Net Profit Ratio 18.18% 23.06% 27.64% 27.24%

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 This Project Report has been prepared based on the data furnished by the entrepreneur whose details are
given in the application.
Place :
Date:
Prepared by :
Full Name : SUNITA SWALASINGH

Signature of the Beneficiary

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