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Project Details
Promoter Name Mr
Gender Male
Educational Qualifications 8th Pass, Graduate, etc
Work Experience 3 -7 years
Address Pondiuporda,
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Business Scenario
M/s Sangeeta Bai is planning to setup a project of General Store, Grocery Shop, Etc. The Business
firm and its owners have the *********************************and make it run as a
************************** in years to come.
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M/s Sangeeta Bai will make a healthy profit for its owners and financers, as well
as************************. The Business intends to achieve the Sales and Profit Growth (in the
projected financials) by (a) ******************************** (b) financing
******************************.
Project Prospects
M/s Sangeeta Bai is planning to setup a project of General Store, Grocery Shop, Etc. The Business
firm and its owners have the relevant*********************and make it run
as*********************** years to come.
By focusing on its ****************, as well as Management Team's Core Values, M/s Sangeeta Bai
will increase its sales to Rs. ************ Lacs in 7 years time, while also improving the
*********************************************.
M/s Sangeeta Bai have thoroughly evaluated the prospects of setting up General Store, Grocery Shop,
Etc business and the prospects look very promising. The Business firm has studied
the******************************* they expect to reach profitability
***********************. Based on market study, the firm expects to achieve
*********************************************. M/s Sangeeta Bai wants to become the
********************
Target Market
Sr No. Target Customer Expected Share
in Sales
1 Our initial plan is to target the customer base in our 75.00%
locality. The local customer base is large and we will
also get direct feedback from our customers
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Our Business
30
20
10
-
FY 24-25 FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32
(10)
(20)
(30)
(40)
(50)
(60)
(70)
-
FY 24-25 FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32
(1)
(1)
(2)
(2)
(3)
INCOME
Revenue Income / Gross
Sales **** **** 7.7
EXPENSES
Phone, Postage & Internet **** 0.1 Get Complete Report for 999 only 0.2
Advertising & Marketing 0.0 0.7 ****
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Depreciation &
Amortisation 0.2 2.3 **** 1.6 *** *** 1.1 ***
Interest Expense 0.5 3.0 2.7 2.3 1.9 1.5 1.0 0.4
Profit Before Tax **** **** (3.4) **** (1.9) **** **** ****
PROFIT AFTER TAX **** **** (3.4) **** **** (1.2) **** ****
CMA DATA
Projected Balance Sheet
Rs in Lacs
Remaining
Current Year Projection Years --->
Particulars FY 24-25 FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32
SOURCES OF FUNDS
A. Own Funds
Total Sources of Funds **** **** 25.1 29.3 **** **** **** ****
Rs in Lacs
Remaining
Current Year Projection Years --->
Particulars FY 24-25 FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32
APPLICATION OF FUNDS
B. Current Assets
Cash & Bank Balance **** **** BUY NOW 0.1
Trade Receivables **** 0.8 ****
Raw Material Stock - **** ****
WIP Stock - **** ****
Finished Goods / Stock In
Trade **** **** -
Total Application of
Funds **** **** 25.1 29.3 **** **** **** ****
CMA DATA
Cash Flow Statement
Remaining Rs in Lacs
Current Year Projection Years --->
Particulars FY 24-25 FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32
Remaining
Current Year Projection Years --->
Particulars FY 24-25 FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32
Long-term Solvency Ratios
Debt Equity Ratio *** **** **** 2.19 **** **** **** ****
Debt Ratio **** 0.99 0.00
TOL/TNW **** *** ****
Interest Coverage
Debt Service Coverage
0.00 ****
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Profitability Ratios
Gross Profit Margin 59.4% **** *****
EBIDTA Margin **** 17.4% ****
Net Profit Margin **** **** BUY NOW 4.5%
Return on Assets (other
than cash) **** -16.4% ****
Remaining Rs in Lacs
Current Year Projection Years --->
Particulars FY 24-25 FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32
Total Current Assets (A) **** *** 2.5
Total Current Liabilities
(other than Bank
Borrowing) (B) 0.5 ***
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PAT + Depreciation +
Interest *** *** 1.3 *** *** 1.5 *** ****
Interest payment 0.5 3.0 2.7 2.3 1.9 1.5 1.0 0.4
Principal Repayment of
Term Loan - 2.7 *** *** *** *** *** ***
Principal Repayment of
Working Capital Limit *** *** *** *** *** *** *** ***
Total Repayment during
the year *** *** *** *** 5.9 *** *** ***
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Term Loan Repayment Schedule
Term Loan Amount ₹ 2,660,000
Loan O/s after Moratorium Period ****
Monthly EMI Amount ₹ 47,579
Year Interest Charged Total Payment to Principal Repaid Closing Loan O/s
Bank
FY 24-25 47,872 **** - ****
FY 25-26 281,792 **** 265,838 ****
FY 26-27 249,599 570,951 **** 2,144,939
FY 27-28 213,300 **** **** *****
FY 28-29 172,900 **** **** ****
FY 29-30 127,937 **** 443,014 ****
FY 30-31 77,895 **** ***** *****
FY 31-32 22,627 475,793 **** 0
**** **** ****
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Break Even Sales
The term “break-even sales” refers to the sales value at which *************************. In
other words, the break-even sales are the amount of revenue
************************************************
Remaining Rs in Lacs
Current Year Projection Years --->
Particulars FY 24-25 FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32
Remaining
Current Year Projection Years --->
Particulars FY 24-25 FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32
STRENGTHS WEAKNESSSES
1. ************
2. Talented********* with strong
********** 1. Lack of Availability of ********
3. Quick to************* 2. Yet to create ***********
4. ********* resulting 3. Staff ****** & ******* is to be achieved
in*************making
OPPORTUNITIES THREATS
To Overcome Weakness
To Overcome Threats
Rs in Lacs
Remaining
Current Year Projection Years --->
Particulars FY 24-25 FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32
Scenario 2
Increase in Variable Cost 7%
Rs in Lacs
Remaining
Current Year Projection Years --->
Particulars FY 24-25 FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32
Scenario 3
Increase in Fixed Cost (other than
Depreciation) 7%
Rs in Lacs
Remaining
Current Year Projection Years --->
Particulars FY 24-25 FY 25-26 FY 31-32
Operational Capacity
It is assumed that post*******************, the business would reach************************ in the following manner.
Estimated Sales
Over the years the Daily sales are estimated at an trend as shown below. The trend in sales is mainly after
considering ***************************************, we will be able to command premium due to Business Goodwill
Estimated Expenses
Based on the working experience and market study, the Promoters have assumed that at 100% operational
capacity, following expenses would be incurred
Total ₹ 37,000
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Assumptions Used
Adjustment for Inflation
In Sales & Expenses, both, nominal adjustment for price increase due to inflation is made
Business Team
The Company plans to hire 5 employees. Later as the business expands the entity will increase its employee
strength for which increase in salary expenenses is considered in financial projections.
Conclusion
M/s Sangeeta Bai setting and expanding business in Village, Pondiuporda, District, korba will allow the firm to
offer *************************************. As per the financial projections, it is expected that the Business will
c*******************************************
M/s Sangeeta Bai, to conclude wants to run the business of General Store, Grocery Shop, Etc as a
***************************. The Business Entity has already made lot of efforts in *****************************, as well
as making the financial projections. The entity will make ****************************************. Thus with your
financial help, we can postively************************************as well as create more *****************************
END OF REPORT
Contact Person 0
Contact Number 9617959836
Annexure 1
Monthly EMI Schedule
Month Opening O/s Interest Paid EMI Principal Paid Balance O/s
Feb-25 2,660,000 23,829 - - 2,683,829
Mar-25 2,683,829
Apr-25 2,707,872
May-25 2,732,130
Jun-25 2,709,026
Jul-25 *****
Aug-25 2,662,195
Sep-25 2,638,465
Oct-25 2,614,522
Nov-25 2,590,364
Dec-25 2,565,990
Jan-26 2,541,398
Feb-26 2,516,586
Mar-26 *****
Apr-26 2,466,292
May-26 2,440,806
Jun-26 2,415,092 BUY NOW
Jul-26 2,389,148
Aug-26 2,362,972
Sep-26 *****
Oct-26 2,309,913
Nov-26 2,283,027
Dec-26 2,255,900
Jan-27 2,228,530
Feb-27 *****
Mar-27 2,173,052
Apr-27 2,144,939
May-27 2,116,575
Jun-27 2,087,957
Jul-27 2,059,082
Aug-27 2,029,949 18,185 47,579 29,394 2,000,555
Sep-27 2,000,555 17,922 47,579 29,658 1,970,897
Oct-27 1,970,897 17,656 47,579 **** ****
Nov-27 1,940,974 17,388 47,579 30,191 1,910,782
Dec-27 ***** 17,117 47,579 30,462 1,880,320
Jan-28 1,880,320 16,845 47,579 30,735 1,849,586
Feb-28 1,849,586
Mar-28 1,818,576
Apr-28 1,787,288
May-28 1,755,720
Jun-28 1,723,869
Jul-28 *****
Aug-28 1,659,308
Sep-28 1,626,594
Oct-28 1,593,586
Nov-28 1,560,283
Dec-28 1,526,681
Jan-29 1,492,778
Feb-29 *****
Mar-29 1,424,059
Apr-29 1,389,237
May-29 1,354,103
Jun-29 1,318,654
Jul-29 1,282,887
Aug-29 1,246,801
Sep-29 1,210,391
Oct-29 *****
Nov-29 1,136,589
Dec-29 1,099,192
Jan-30 1,061,460
Feb-30 1,023,389
Mar-30 984,978 8,824 47,579 38,756 946,222
Apr-30 946,222 8,477 47,579 **** ****
May-30 907,120 8,126 47,579 39,453 867,667
Jun-30 867,667 7,773 47,579 39,806 827,860
Jul-30 827,860 7,416 47,579 **** 787,697
Aug-30 ***** 7,056 47,579 40,523 ****
Sep-30 747,174 6,693 47,579 40,886 706,289
Oct-30 706,289 6,327 47,579 41,252 665,037
Nov-30 665,037 5,958 **** 41,622 ****
Dec-30 623,415 5,585 47,579 41,995 581,420
Annexure 1
Monthly EMI Schedule
Month Opening O/s Interest Paid EMI Principal Paid Balance O/s
Jan-31 581,420 5,209 47,579 42,371 539,050
Feb-31 539,050 4,829 47,579 42,750 496,299
Mar-31 496,299 4,446 47,579 43,133 453,166
Apr-31 453,166 4,060 47,579 43,520 409,646
May-31 409,646 3,670 47,579 43,910 365,737
Jun-31
Jul-31
Aug-31 Get Complete Report for 999 only
Sep-31
Oct-31
Nov-31 BUY NOW
Dec-31
Jan-32
Annexure 2
Changes in Inventory Working
Opening Inventory
Raw Material *** - ***
Work in Process *** - Get Complete Report for 999 only -
Finished Goods - **** -
Total Opening Inventory (A)
**** **** ****
Closing Inventory
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Raw Material - **** ****
Work in Process - *** ****
Finished Goods *** *** -
Total Closing Inventory (B)*** - -
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Your Working Capital Loan Limit should not be more than permissible limit (MPBF), If yes, then kindly reduce
the loan limit to met the requirement. Refer MPBF calculation sheet to check the permissible limit
Also, your working capital loan value should not be in excess than required. Check the cash balance in the
Balance Sheet, it should not be more than 50% of the working capital loan. This would mean that your
working capital loan amount is lying idle in cash and not used for business. Try to keep the working capital
loan not more than twice the monthly expenses amount
Try to maintain your GP Ratio or EBITDA margin within acceptable limits of your industry average. You can
change the ratio by changing the Sales Values - Edit Sales using Sales and Operational Capacity
Finally, every Bank has its own criteria to approve loan. You can always change and download a revised
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