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The document is a project report for M/s Sangeeta Bai, a trading business focused on setting up a general store and grocery shop with a total project cost of ₹3,000,000. The report outlines the financial requirements, including a term loan of ₹2,660,000 and working capital loan of ₹190,000, with a projected profitability and growth strategy. It also includes detailed financial projections, market analysis, and the promoter's background.

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0% found this document useful (0 votes)
6 views28 pages

Export

The document is a project report for M/s Sangeeta Bai, a trading business focused on setting up a general store and grocery shop with a total project cost of ₹3,000,000. The report outlines the financial requirements, including a term loan of ₹2,660,000 and working capital loan of ₹190,000, with a projected profitability and growth strategy. It also includes detailed financial projections, market analysis, and the promoter's background.

Uploaded by

hemantseen0
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
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Project Report &

CMA Data

This is a Sample Version of your Project Report. Some Data in this


report is Hidden. Download the Full Report Version for 999 Only. You
can edit the Report Multiple Times for 21 Days

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M/s Sangeeta Bai


Executive Summary
Business Details

Name of Business Firm M/s Sangeeta Bai

Business Industry Trading


Nature of Business General Store, Grocery Shop, Etc

Legal Constitution Proprietorship


Address Village,Pondiuporda , Village, Pondiuporda,
District, korba

Pin Code 495445


Contact Phone 9617959836

Project & Loan Details

Fixed Capital to be Invested ₹ 2,800,000


Working Capital to be Invested ₹ 200,000
Total Project Cost ₹ 3,000,000

Term Loan ₹ 2,660,000


Working Capital Loan ₹ 190,000
Total Loan Amount Needed ₹ 2,850,000

Loan Duration 7 Years


Moratorium Period 3 months
Type of Loan Needed PMEGP Loan
Average DSCR Get Complete Report for 999 only

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Project Details

Cost of Project ₹ 3,000,000

Project Cost BreakUp


Land ₹ 1,000,000
Building, Shed, Interior Work ₹ 1,000,000
Computers, Printers, Servers, etc ₹ 100,000
Furniture, Fittings, Racks ₹ 100,000
Electrification & Backup ₹ 100,000
Vehicle for Business use ₹ 200,000
Other initial expenditure ₹ 300,000
Working Capital ₹ 200,000

Means & Cost of Finance


Source Share Amount Interest Rate
Own Capital 5% ₹ 150,000 N/A
Loan from Friends & Family 0% ₹0 N/A
Total Own Funds 5% ₹ 150,000
Term Loan 89% ₹ 2,660,000 10.75%
Working Capital limit 6% ₹ 190,000 10.75%
Total 100% ₹ 3,000,000

PMEGP Margin Money/Subsidy to be 35% ₹ 1,050,000


received after 3 years i.e. in FY 25-26
Promoter's Details
Mr is the founder/promoter of the Business Firm. The Promoter has *********************** to
********************************** implement the Project. The Promoter is confident about
**********************************and they are capable to**********************as
provided in the financial projections of this Report

Promoter Name Mr
Gender Male
Educational Qualifications 8th Pass, Graduate, etc
Work Experience 3 -7 years
Address Pondiuporda,

Contact Phone 9617959836

Get Complete Report for 999 only

BUY NOW
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.

As per Morgan Stanley Report, India is on track to become ********************************.


India’s GDP could more than ******************************************* by 2031.
As per World Economic Forum (WEF), till 2005, 69% of India’s households were classified as
***************************************have become prosperous middle class. With a steady
GDP growth rate of 7.5% a year, by 2030 and*******************************. The new
middle-class households will represent ************************************* where
youngsters are ******************************************.
Additionaly, the rural market is now ************************************************
already on a par with small towns and vastly higher than the rest of rural India. WEF projections
suggest that developed rural India **************************************************.

India accounts to the second highest population in the


world.********************************************************.

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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

Mission Describe the purpose of your Business

Vision provide what you hope to achieve or become in the future

Values State your organization’s core principles and ethics

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Expected CAGR (FY 24-25 to FY 31-32)

Total no. of employees to be engaged BUY NOW


Key Data at a Glance
Projected Sales & Profitability

Revenue Income / Gross Sales EBITDA PROFIT AFTER TAX

TOL/TNW Ratio Trendline


40

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)

Net Profit Margin Trendline


1

-
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)

Net profit margin


CMA DATA
Projected Income Statement
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

INCOME
Revenue Income / Gross
Sales **** **** 7.7

EXPENSES

Salary & Wages **** 3.1 4.0

Electricity, Fuel & Water **** 0.1 0.2

Transportation **** **** ****

Phone, Postage & Internet **** 0.1 Get Complete Report for 999 only 0.2
Advertising & Marketing 0.0 0.7 ****

BUY NOW

EBITDA *** *** 1.3 **** **** **** 1.6 ****

Depreciation &
Amortisation 0.2 2.3 **** 1.6 *** *** 1.1 ***

EBIT *** *** *** *** *** *** *** 0.8

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) **** **** ****

Tax Expense **** **** **** - **** **** **** -

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

Initial Capital Invested /


Opening Capital Balance 1.5 **** **** **** **** **** 9.7 ****
Additional Capital added **** **** **** **** **** **** **** 5.4
Profit (+) or Loss (-) from
current P&L A/c **** **** (3.4) **** **** (1.2) **** ****
Subsidy Received - - - 10.5 - - - -
Less: Drawings / Dividend - - - - - - - -
Total Own Funds **** (0.5) 19.6

B. Long Term Liabilities


Term Loan from Bank 27.1 24.7 ****
Loan from Friends &
Family - - -

C. Current Liabilities Get Complete Report for 999 only


Working Capital Loan 1.9 1.9 ****
Interest Payable *** *** 0.0
Provision for Taxation *** *** ****
Sundry Creditors *** - -
Other Current Liabilities &
Provisions *** *** ****

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

A. Non Current Assets


Fixed Assets
Gross Block 28.0 **** 28.0
Additions during the year **** - ****
Depreciation till Date 0.2 2.5 10.7
Net Block **** 25.5 ****

B. Current Assets
Cash & Bank Balance **** **** BUY NOW 0.1
Trade Receivables **** 0.8 ****
Raw Material Stock - **** ****
WIP Stock - **** ****
Finished Goods / Stock In
Trade **** **** -

Advance Tax **** - ***


Other Current Assets 0.2 **** 0.4 **** **** **** 0.6 ****

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

A. Cash Flow from Operating Activities


Net Profit After Tax **** **** (3.4) **** **** (1.2) **** ****
Add: Interest Expense 0.5 3.0 2.7 2.3 1.9 1.5 1.0 0.4
Add: Depreciation 0.2 2.3 **** 1.6 *** *** 1.1 ***

Operating Profit before


Working Capital Changes **** **** 1.7
(Increase)/Decrease in
Current Assets (other than Get Complete Report for 999 only
Cash) (0.5) (0.7) ****
Increase/(Decrease) in
Current Liabilities (other
than WC loan) 0.7 (0.1) (0.1)
***** **** ****

B. Cash Flow from Financing Activities


Interest Expense (0.5) (3.0) (0.4)
Term Loan Taken/ (Repaid) 27.1 ****
BUY NOW ****
Working Capital Loan
Taken / (Repaid) 1.9 **** ****
Loan from Friends & Family - - -
Capital Introduced /
(Drawings) **** 3.1 5.4
Subsidy Received - - -
**** **** ****

C. Cash Flow from Investing Activities


Purchase of Fixed Assets (28.0) **** ****

Total Cash Inflow/ /


(Outflow) (A+B+C) **** (2.1) 0.0
Add Opening Cash Balance - **** **** **** 5.7 **** **** ****
Closing Cash Balance **** **** **** **** **** **** **** ****
CMA DATA
Key Ratios & Feasibility

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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Ratio (DSCR - Working


Below) *** *** 0.25

Short-term Solvency Ratios


Current Ratio **** 0.49 ****
Quick Ratio or Liquid Ratio **** **** 9.06
Cash Ratio 0.84 **** ****

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% ****

Growth Ratios (Annualised)


Sales/ Revenue Growth
(Annualised) ***** ****
EBIDTA Growth 4506.9% ****

Activity Ratios (on closing value)


Debtors Turnover (days) **** 55.76 86.78
Sundry Creditors (days) - **** ****
Inventory Turnover (days)* **** **** -
Other Current Assets
(days) **** **** ****
Other Current Liabilities
(days) **** 30.42 10.65
Fixed Assets to Turnover
Ratio **** 0.22 **** **** **** 0.37 **** ****

*Closing Inventory value considered


CMA DATA
Maximum Permissible Bank Finance (MPBF) Calculation

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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Working Capital Gap


(C=A-B) **** *** ****

1st Method of Lending


Minimum Stipulated Net
Working Capital (D=25% of
C) *** *** ****
MPBF 1st method (C-D) *** 0.7
BUY NOW 1.8

2nd Method of Lending


Minimum Stipulated Net
Working Capital (E=25% of
A) *** **** 0.6
MPBF 2nd method (C-E) *** *** ****

Percentage of Sales method


Gross Revenue / Sales *** *** 7.7
MPBF - 25% of Sales *** **** ***

Actual Working Capital


Loan O/s 1.9 1.9 **** **** **** **** **** ****
DSCR Calculation
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

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 *** *** ***

DSCR **** **** 0.21 **** **** **** **** 0.25

Average DSCR (Term Loan + Working Capital Loan) ****


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Average DSCR (Term Loan only) ****

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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
**** **** ****

Detailed Month wise EMI Schedule is provided in Annexure 1

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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

Revenue Income / Gross


Sales (A) **** **** 7.7
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Variable Costs **** **** ****
Gross Profit (B) **** 4.5 ****

Other Costs **** **** ****


Depreciation 0.2
BUY NOW 1.1 ****
Interest Cost 0.5 1.0 0.4
Total Fixed Cost (C) **** **** ****

Break Even Sales


(A*C)/B **** 8.2 ****
Working Capital Cycle
The Working Capital Cycle for a business is the length of time it takes to convert the total net working
capital (current assets less current liabilities) into cash

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

Inventory Days **** **** -


Trade Receivable Days
Other Current Asset Days
****
****
55.8
****
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****
Total (A) ***** ***** *****

Trade Payable Days - **** ****


Other Current Liabilities Days **** 30.4 BUY NOW 10.6
Total (B) **** **** *****

Working Capital Cycle


Days (A-B) **** **** 111.8

An****************** in working capital cycle is assumed


for********************************. M/s Sangeeta Bai plans to increase its Sales growth
by****************************************. On other hand by paying
*************************, it is expected that better********************************
which will help in improving profit margins.
SWOT Ananysis
The Business Owners have done indepth**********************, M/s Sangeeta Bai, for starting
business of General Store, Grocery Shop, Etc. Below is a SWOT analysis that is prepared mainly to
analyze***************************************************. Further, we have also
identifed the opportunities that************** & detected **********************.

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

1. Unserved and ***************** our


Product / Service 1. Existing ********
2. New products or services can 2. Loyalty of **************
be***************************

OUR ACTION PLAN

To Overcome Weakness

1. Funding requirement is planned to *********************


2. Also, in initial phase we plan to ***************************** into business. This investment will go
into creating **********************

To Overcome Threats

1. We have studied the existing ***************************. We plan to cater to this


****************************************
2. We plan to ****************************************.
Depreciation Schedule
Rs in Lacs
Remaining
Current Year Projection Years --->
Asset Head FY 24-25 FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32
Land - Depreciation Rate 0%
Opening WDV - **** 10.0
Additions **** - ****
Depreciation - - ****
Closing WDV **** **** *****
Building, Shed, Interior Work - Depreciation Rate 10%
Opening WDV - **** 5.3
Additions **** - -
Depreciation 0.1 1.0 0.5
Closing WDV **** 8.9
Get Complete Report for 999 only 4.7
Machinery & Equipments - Depreciation Rate 15%
Opening WDV - **** -
Additions **** - ****
Depreciation - - ****
Closing WDV **** ***** *****
Computers, Printers, Servers, etc- Depreciation Rate 40%
Opening WDV - **** 0.0
Additions **** **** BUY NOW ****
Depreciation 0.0 0.4 ****
Closing WDV **** 0.6 *****
Furniture, Fittings, Racks- Depreciation Rate 10%
Opening WDV - **** 0.5
Additions 1.0 **** -
Depreciation 0.0 0.1 0.1
Closing WDV **** ***** 0.5
Electrification & Backup- Depreciation Rate 10%
Opening WDV - **** 0.5
Additions **** - ****
Depreciation 0.0 0.1 ****
Closing WDV **** ***** *****
Installation charge, Shipping, etc- Depreciation Rate 15%
Opening WDV - **** -
Additions **** - ****
Depreciation - **** ****
Closing WDV **** ***** *****
Vehicle for Business use- Depreciation Rate 15%
Opening WDV - **** 0.7
Additions **** - ****
Depreciation 0.0 0.3 ****
Closing WDV **** 1.7 *****
Software, Website, App Development - Depreciation Rate 40 %
Opening WDV - **** -
Additions **** **** -
Depreciation - - -
Closing WDV **** - -
Livestock, Farm Animals, Etc - Depreciation Rate 15 %
Opening WDV - **** -
Additions **** - ****
Depreciation - - ****
Closing WDV **** - *****
Other Capital Expenditure- Depreciation Rate 15%
Opening WDV - **** 1.1
Additions 3.0 **** -
Depreciation 0.0 0.4 0.2
Closing WDV **** 2.5 0.9

Total Fixed Assets


Opening WDV - **** ****
Additions **** - -
Depreciation 0.2 ***** 0.9
Closing WDV **** 25.5 ****
Sensitivity Analysis
Scenario 1
Decrease in Sales/Revenue by 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

Revenue Income / Gross


Sales **** **** 7.2

EBITDA (0.0) **** ****


EBIT **** (1.7) Get Complete Report for 999 only ****
Profit Before Tax **** **** ****

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

Revenue Income / Gross


Sales ***** **** 7.7

EBITDA (0.0) ****


BUY NOW ****
EBIT **** (1.5) ****
Profit Before Tax **** **** ****

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

Revenue Income / Gross


Sales **** **** 7.7

EBITDA -0.01 **** ****


EBIT **** -1.52 *****
Profit Before Tax **** **** *****
Assumptions Used
Apart from the assumptions & methodology stated elsewhere in the report, below are the main assumptions
considered in preparation of this project report

Operational Capacity
It is assumed that post*******************, the business would reach************************ in the following manner.

Current Year Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7

Operational & Sales


Capacity of Business 60% 90% 100% 100% 100% 100% 100% 100%

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

Current Year Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7


Estimated Daily Sales ***** ***** 1,715 ****** ****** ****** ****** 2,113

Estimated Expenses
Based on the working experience and market study, the Promoters have assumed that at 100% operational
capacity, following expenses would be incurred

Particulars Monthly Cost at current prices Expense Nature Assumed


Purchases (Stock, packing material, etc) - Variable
Rent & Lease Cost - Fixed
Salary & Wages 25,000 Semi Variable
Electricity, Fuel & Water 1,000 Variable
Transportation 5,000 Variable
Phone, Postage & Internet 1,000 Fixed
Advertising & Marketing 5,000 Fixed
Repair & Maintenance - Fixed
Insurance expenses - Fixed
Consumables, Spares, etc - Variable
Other Expenses - Fixed

Total ₹ 37,000

Current Year Period


For the Current Period, the projections worked out are for the balance period of 2 month(s)

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Assumptions Used
Adjustment for Inflation
In Sales & Expenses, both, nominal adjustment for price increase due to inflation is made

Other Income (available Cash & Bank Balance)


We have not considered effect of any ***************************************** in the financial projections as we
wanted to show the Businesses loan repayment capacity purely from *****************************

Line of Business & Taxation


The financial projections are purely made considering the entity will continue ************************
*****************. The income tax is calculated assuming that the ***********************************************

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*******************************************

Gross Profit Margin *****


Net Profit Margin 5%

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

Not Applicable as Stock / Inventory is not part of the Business


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

Opening Inventory
Raw Material *** - ***
Work in Process *** - Get Complete Report for 999 only -
Finished Goods - **** -
Total Opening Inventory (A)
**** **** ****

Closing Inventory
BUY NOW
Raw Material - **** ****
Work in Process - *** ****
Finished Goods *** *** -
Total Closing Inventory (B)*** - -

Changes in Inventory (A-B)


**** - **** **** **** - **** ****
Suggestions to Improve your Project Report
Not part of Project Report

Please Check for the below points

Your Average DSCR Ratio should not be very low (<1.5) nor very high (>5). If your DSCR value is not in this
range, then please click below link to know how to improve your DSCR

https://fortriskconsulting.com/dscr/

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
report multiple times on our website for 21 days after payment

You can refer our complete step by step guide on specific Loan Schemes & Project Reports:

How to Apply for Mudra Loan - https://fortriskconsulting.com/sbi-e-mudra-loan/


How to Apply for PMEGP Loan - https://fortriskconsulting.com/pmegp-loan/
How to Apply for Standup India Loan - https://fortriskconsulting.com/standup-india-scheme/
How to make Commercial Vehicle Project Report - https://youtu.be/zBwZjoMVJbk
How to make Dairy Farm Project Report - https://fortriskconsulting.com/dairy-farm-project-report/
How to make Restaurant/Cafe Report - https://youtu.be/3qQtzWqAtlk

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