PROJECT AT A GLANCE

1 Name of the Unit Md Ekram Shop

2 Line of Activity General Stores

3 Products All Prodects

4 New/Expansion/Modernization New

5 Constitution Proprietorship

6 Name of the Proprietor Md Ekram

7 Registered Address Old Mullazore Road Purbasha Bhatpara

West Bengal-743126

8 Site Location Bhatpara Mullazore Road Kankinara

North 24 Parganas Wb -743126

10,00,000.00
9 Cost of the Project
Term Loan
10 Feciliites Required
1,00,000.00
11 Promoters Contribution
9,00,000.00
12 Loan From Bank
6 Months
13 Moratorium
NA
14 Power
61.74%
15 BEP
1.90
16 Average DSCR
Md Ekram Shop

Total Project Cost

S.No Particulars Amount

1 Purchases of Raw Mat 0 7,50,000
2 Packing Machine 5,000
3 Packing Covers 20,000
4 Electrical Wiring 25,000
5 Field Laese 50,000
6 Weighing Machine 15,000
7 Interior 1,00,000
8 Misc 35,000
-
-
Total Cost 10,00,000

Means of Finance :Term Loan

S.NO Particulars Amount %

1 Promoters Conribution 1,00,000 10%

2 Bank Finance 9,00,000 90%
Total 10,00,000 100%

S.NO Particulars Amount %

Working Capital
Total Working Capital Required 10,98,000 90,247
Md Ekram Shop
Yield Statement - Electrical Stores
Particulars Year 1 Year 2 Year 3 Year 4 Year 5
1.Total Installed Capacity sale per day 5000 5000 6000 6000 8000
3.No of Selling days in year 300 300 300 300 300
4.Total Installed Capacity 1500000 1500000 1800000 1800000 2400000
5.Capacity Utilization 100.00% 100.00% 100.00% 100.00% 100.00%
5.Actual Capacity 1500000 1500000 1800000 1800000 2400000
7.Total Revenue /Year 15,00,000 15,00,000 18,00,000 18,00,000 24,00,000

Cost
Particulars Year 1 Year 2 Year 3 Year 4 Year 5
a) Raw Material Purchase Cost
1.Purchases Cost 800000 800000 1000000 1000000 1200000
Total Feed Cost 8,00,000 8,00,000 10,00,000 10,00,000 12,00,000

Cost
Particulars Year 1 Year 2 Year 3 Year 4 Year 5
- - - - -
a)Labour Cost
1.Manpower Required 2 2 2 2 3
2.Salary/Month 10,000 10,000 10,000 12,000 12,000
Total Salary 2,40,000 2,40,000 2,40,000 2,88,000 4,32,000

b)Repaire And Maintaince/ Year 10000 11000 12100 13310 14641

c)Insurance @2% on Animal Cost - - - - -

d) Electrical Cost/ Year 48,000 52,800 58,080 63,888 70,277

Md Ekram Shop

Projected Profitabilty Statement

Projected Projected Projected Projected Projected

Particulars Year 1 Year 2 Year 3 Year 4 Year 5

Income

Sales Revenue 15,00,000 15,00,000 18,00,000 18,00,000 24,00,000

Other Income - - - - -

Total 15,00,000 15,00,000 18,00,000 18,00,000 24,00,000

Expenditure

Raw Material Purchase Cost 8,00,000 8,00,000 10,00,000 10,00,000 12,00,000

-
Salaries & Wages 2,40,000 2,40,000 2,40,000 2,88,000 4,32,000
-
Repairs and Maintaince Cost 10,000 11,000 12,100 13,310 14,641

Electricity Charges 48,000 52,800 58,080 63,888 70,277

Misc Exp - - - - -

Finance Charges 1,19,250 63,750 45,750 27,750 9,750

Depriciation 1,00,000 1,00,000 1,00,000 1,00,000 1,00,000

Profit Before Tax 1,82,750 2,32,450 3,44,070 3,07,052 5,73,332

Provision for Tax - - 92,116 1,72,000

Profit After Tax 1,82,750 2,32,450 3,44,070 2,14,936 4,01,333

Net Profit Ratio 12.18% 15.50% 19.12% 11.94% 16.72%

BALANCE SHEET
Projected Projected Projected Projected Projected
Particulars Year 1 Year 2 Year 3 Year 4 Year 5

Liabilities
Proprietors Capital
Capital 1,00,000 2,82,750 5,15,200 8,59,270 10,74,206
Reserves & Surplus 1,82,750 2,32,450 3,44,070 2,14,936 4,01,333
Less: Drawings - - - - -
Total 2,82,750 5,15,200 8,59,270 10,74,206 14,75,539
Secured Loans
Term Loan 7,20,000 5,40,000 3,60,000 1,80,000 -

Unsecured Loans - - - - -

Current Liabilities
Advances From Customers - - - - -
Sundry Creditors - - - - -
Other Provisions - - - - -

Total 10,02,750 10,55,200 12,19,270 12,54,206 14,75,539

Assets

Fixed Assets 9,00,000 8,00,000 7,00,000 6,00,000 5,00,000

Non Current Assets - - - - -

Current Assets
Sundry Debtors 29,167 29,167 35,000 35,000 46,667
Loans & Advances - - - - -
Cash & Bank Balances 73,583 2,26,033 4,84,270 6,19,206 9,28,872

Total 10,02,750 10,55,200 12,19,270 12,54,206 14,75,539

Md Ekram Shop

Term Loan 9,00,000.00

Rate 10.00%
Intallments Monthly 60
Insatallament Amount 15,000.00

Installment No Opening Balance Installment Amount Interest Closing Balance Yearly Interest
- 9,00,000.00 - 7,500 9,00,000
- 9,00,000.00 - 7,500 9,00,000
- 9,00,000.00 - 7,500 9,00,000
- 9,00,000.00 - 7,500 9,00,000
- 9,00,000.00 - 7,500 9,00,000 37,500
1 9,00,000.00 15,000.00 7,500 8,85,000
2 8,85,000.00 15,000.00 7,375 8,70,000
3 8,70,000.00 15,000.00 7,250 8,55,000
4 8,55,000.00 15,000.00 7,125 8,40,000
5 8,40,000.00 15,000.00 7,000 8,25,000
6 8,25,000.00 15,000.00 6,875 8,10,000
7 8,10,000.00 15,000.00 6,750 7,95,000
8 7,95,000.00 15,000.00 6,625 7,80,000
9 7,80,000.00 15,000.00 6,500 7,65,000
10 7,65,000.00 15,000.00 6,375 7,50,000
11 7,50,000.00 15,000.00 6,250 7,35,000
12 7,35,000.00 15,000.00 6,125 7,20,000 81,750
13 7,20,000.00 15,000.00 6,000 7,05,000
14 7,05,000.00 15,000.00 5,875 6,90,000
15 6,90,000.00 15,000.00 5,750 6,75,000
16 6,75,000.00 15,000.00 5,625 6,60,000
17 6,60,000.00 15,000.00 5,500 6,45,000
18 6,45,000.00 15,000.00 5,375 6,30,000
19 6,30,000.00 15,000.00 5,250 6,15,000
20 6,15,000.00 15,000.00 5,125 6,00,000
21 6,00,000.00 15,000.00 5,000 5,85,000
22 5,85,000.00 15,000.00 4,875 5,70,000
23 5,70,000.00 15,000.00 4,750 5,55,000
24 5,55,000.00 15,000.00 4,625 5,40,000 63,750
25 5,40,000.00 15,000.00 4,500 5,25,000
26 5,25,000.00 15,000.00 4,375 5,10,000
27 5,10,000.00 15,000.00 4,250 4,95,000
28 4,95,000.00 15,000.00 4,125 4,80,000
29 4,80,000.00 15,000.00 4,000 4,65,000
30 4,65,000.00 15,000.00 3,875 4,50,000
31 4,50,000.00 15,000.00 3,750 4,35,000
32 4,35,000.00 15,000.00 3,625 4,20,000
33 4,20,000.00 15,000.00 3,500 4,05,000
34 4,05,000.00 15,000.00 3,375 3,90,000
35 3,90,000.00 15,000.00 3,250 3,75,000
36 3,75,000.00 15,000.00 3,125 3,60,000 45,750
37 3,60,000.00 15,000.00 3,000 3,45,000
38 3,45,000.00 15,000.00 2,875 3,30,000
39 3,30,000.00 15,000.00 2,750 3,15,000
40 3,15,000.00 15,000.00 2,625 3,00,000
41 3,00,000.00 15,000.00 2,500 2,85,000
42 2,85,000.00 15,000.00 2,375 2,70,000
43 2,70,000.00 15,000.00 2,250 2,55,000
44 2,55,000.00 15,000.00 2,125 2,40,000
45 2,40,000.00 15,000.00 2,000 2,25,000
46 2,25,000.00 15,000.00 1,875 2,10,000
47 2,10,000.00 15,000.00 1,750 1,95,000
48 1,95,000.00 15,000.00 1,625 1,80,000 27,750
49 1,80,000.00 15,000.00 1,500 1,65,000
50 1,65,000.00 15,000.00 1,375 1,50,000
51 1,50,000.00 15,000.00 1,250 1,35,000
52 1,35,000.00 15,000.00 1,125 1,20,000
53 1,20,000.00 15,000.00 1,000 1,05,000
54 1,05,000.00 15,000.00 875 90,000
Installment No Opening Balance Installment Amount Interest Closing Balance Yearly Interest
55 90,000.00 15,000.00 750 75,000
56 75,000.00 15,000.00 625 60,000
57 60,000.00 15,000.00 500 45,000
58 45,000.00 15,000.00 375 30,000
59 30,000.00 15,000.00 250 15,000
60 15,000.00 15,000.00 125 - 9,750
Debt Service Coverage Ratio

Projected Projected Projected Projected Projected

Particulars Year 1 Year 2 Year 3 Year 4 Year 5

Profit After tax 1,82,750 2,32,450 3,44,070 2,14,936 4,01,333

Depriciation 1,00,000 1,00,000 1,00,000 1,00,000 1,00,000

Interest on term Loan 1,19,250 63,750 45,750 27,750 9,750

Total 4,02,000 3,96,200 4,89,820 3,42,686 5,11,083

Payment Obligation

TL Installments 1,80,000 1,80,000 1,80,000 1,80,000 1,80,000

Interest 1,19,250 63,750 45,750 27,750 9,750

Total 2,99,250 2,43,750 2,25,750 2,07,750 1,89,750

DSCR 1.34 1.63 2.17 1.65 2.69

Avg DSCR 1.90

Break Even Point

Projected Projected Projected Projected Projected

Particulars Year 1 Year 2 Year 3 Year 4 Year 5

Revenue 15,00,000 15,00,000 18,00,000 18,00,000 24,00,000

Variable Costs
Raw Material Purchase Cost 8,00,000 8,00,000 10,00,000 10,00,000 12,00,000
Repairs and Maintaince Cost 10,000 11,000 12,100 13,310 14,641
Total 8,10,000 8,11,000 10,12,100 10,13,310 12,14,641

Contribution 6,90,000 6,89,000 7,87,900 7,86,690 11,85,359

Fixed Costs
Salaries 2,40,000 2,40,000 2,40,000 2,88,000 4,32,000
Electricity Charges 48,000 52,800 58,080 63,888 70,277
Interest 1,19,250 63,750 45,750 27,750 9,750
Depriciation 1,00,000 1,00,000 1,00,000 1,00,000 1,00,000
Total 5,07,250 4,56,550 4,43,830 4,79,638 6,12,027

Break even Point 73.51% 66.26% 56.33% 60.97% 51.63%

Break even Sales 11,02,717 9,93,940 10,13,954 10,97,444 12,39,173

Margin of Safety Sales 3,97,283 5,06,060 7,86,046 7,02,556 11,60,827

Average BEP 61.74%