Pmegp Feasibilty Report Ravi Raj 26032019 Murliganj .xls
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EMI CHART Loan Amount Interest Period Moratorium Months 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47
EMI 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12
375000 EMI 12.15% 60 0 Value after Moratorium : Principal 4,573.25 4,619.55 4,666.32 4,713.57 4,761.29 4,809.50 4,858.20 4,907.39 4,957.08 5,007.27 5,057.96 5,109.18 5,160.91 5,213.16 5,265.94 5,319.26 5,373.12 5,427.52 5,482.48 5,537.99 5,594.06 5,650.70 5,707.91 5,765.70 5,824.08 5,883.05 5,942.62 6,002.78 6,063.56 6,124.96 6,186.97 6,249.61 6,312.89 6,376.81 6,441.38 6,506.59 6,572.47 6,639.02 6,706.24 6,774.14 6,842.73 6,912.01 6,982.00 7,052.69 7,124.10 7,196.23 7,269.09
Interest 3,796.88 3,750.57 3,703.80 3,656.55 3,608.83 3,560.62 3,511.92 3,462.73 3,413.05 3,362.86 3,312.16 3,260.94 3,209.21 3,156.96 3,104.18 3,050.86 2,997.00 2,942.60 2,887.65 2,832.14 2,776.06 2,719.42 2,662.21 2,604.42 2,546.04 2,487.07 2,427.50 2,367.34 2,306.56 2,245.16 2,183.15 2,120.51 2,057.23 1,993.31 1,928.75 1,863.53 1,797.65 1,731.10 1,663.88 1,595.98 1,527.39 1,458.11 1,388.13 1,317.43 1,246.02 1,173.89 1,101.03
8,370.12
375,000.00
Outstanding 375,000.00 370,426.75 365,807.20 361,140.88 356,427.31 351,666.02 346,856.52 341,998.32 337,090.93 332,133.85 327,126.59 322,068.63 316,959.45 311,798.54 306,585.38 301,319.44 296,000.18 290,627.06 285,199.54 279,717.06 274,179.08 268,585.02 262,934.32 257,226.41 251,460.71 245,636.63 239,753.58 233,810.96 227,808.18 221,744.61 215,619.66 209,432.69 203,183.07 196,870.18 190,493.37 184,051.99 177,545.40 170,972.93 164,333.91 157,627.67 150,853.52 144,010.80 137,098.78 130,116.79 123,064.10 115,940.00 108,743.78 101,474.69
48 49 50 51 52 53 54 55 56 57 58 59 60
8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12
7,342.69 7,417.03 7,492.13 7,567.99 7,644.62 7,722.02 7,800.20 7,879.18 7,958.96 8,039.54 8,120.94 8,203.17 8,286.22
1,027.43 953.09 877.99 802.13 725.51 648.10 569.92 490.94 411.16 330.58 249.18 166.96 83.90
94,132.00 86,714.96 79,222.83 71,654.84 64,010.23 56,288.21 48,488.01 40,608.83 32,649.87 24,610.33 16,489.39 8,286.22 0.00
0.00
127,207.24
EMI CHART Loan Amount Interest Period Moratorium
[TL] 375000 EMI 12% Value after Moratorium : 60 0
Year
EMI
Months
Principal
Interest
8370.12 375,000.00
1st
1 2 3 4 5 6 7 8 9 10 11 12
8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 100441.45
4573.25 3796.88 4619.55 3750.57 4666.32 3703.80 4713.57 3656.55 4761.29 3608.83 4809.50 3560.62 4858.20 3511.92 4907.39 3462.73 4957.08 3413.05 5007.27 3362.86 5057.96 3312.16 5109.18 3260.94 58040.55 42400.90
0 0 0 0 0 0 0 0 0 0 0 0
Outstanding 375000.00 370426.75 365807.20 361140.88 356427.31 351666.02 346856.52 341998.32 337090.93 332133.85 327126.59 322068.63 316959.45
2nd
13 14 15 16 17 18 19 20 21 22 23 24
8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 100441.45
5160.91 3209.21 5213.16 3156.96 5265.94 3104.18 5319.26 3050.86 5373.12 2997.00 5427.52 2942.60 5482.48 2887.65 5537.99 2832.14 5594.06 2776.06 5650.70 2719.42 5707.91 2662.21 5765.70 2604.42 65498.74 34942.71
0 0 0 0 0 0 0 0 0 0 0 0
311798.54 306585.38 301319.44 296000.18 290627.06 285199.54 279717.06 274179.08 268585.02 262934.32 257226.41 251460.71
3rd
25 26 27 28 29 30 31 32 33 34 35 36
8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 100441.45
5824.08 2546.04 5883.05 2487.07 5942.62 2427.50 6002.78 2367.34 6063.56 2306.56 6124.96 2245.16 6186.97 2183.15 6249.61 2120.51 6312.89 2057.23 6376.81 1993.31 6441.38 1928.75 6506.59 1863.53 73915.31 26526.14
0 0 0 0 0 0 0 0 0 0 0 0
245636.63 239753.58 233810.96 227808.18 221744.61 215619.66 209432.69 203183.07 196870.18 190493.37 184051.99 177545.40
4th
37 38 39 40 41 42 43 44 45 46 47 48
8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 100441.45
6572.47 1797.65 6639.02 1731.10 6706.24 1663.88 6774.14 1595.98 6842.73 1527.39 6912.01 1458.11 6982.00 1388.13 7052.69 1317.43 7124.10 1246.02 7196.23 1173.89 7269.09 1101.03 7342.69 1027.43 83413.40 17028.05
0 0 0 0 0 0 0 0 0 0 0 0
170972.93 164333.91 157627.67 150853.52 144010.80 137098.78 130116.79 123064.10 115940.00 108743.78 101474.69 94132.00
5th
49 50 51 52 53 54 55 56 57 58 59 60
8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 100441.45
7417.03 7492.13 7567.99 7644.62 7722.02 7800.20 7879.18 7958.96 8039.54 8120.94 8203.17 8286.22 94132.00
0 0 0 0 0 0 0 0 0 0 0 0
86714.96 79222.83 71654.84 64010.23 56288.21 48488.01 40608.83 32649.87 24610.33 16489.39 8286.22 0.00
953.09 877.99 802.13 725.51 648.10 569.92 490.94 411.16 330.58 249.18 166.96 83.90 6309.45
EMI CHART Loan Amount Interest Period Moratorium Months 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47
EMI 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89
265000 EMI 12.15% 60 0 Value after Moratorium : Principal 3,231.76 3,264.48 3,297.53 3,330.92 3,364.65 3,398.71 3,433.13 3,467.89 3,503.00 3,538.47 3,574.29 3,610.48 3,647.04 3,683.97 3,721.27 3,758.94 3,797.00 3,835.45 3,874.28 3,913.51 3,953.13 3,993.16 4,033.59 4,074.43 4,115.68 4,157.36 4,199.45 4,241.97 4,284.92 4,328.30 4,372.13 4,416.39 4,461.11 4,506.28 4,551.91 4,597.99 4,644.55 4,691.57 4,739.08 4,787.06 4,835.53 4,884.49 4,933.94 4,983.90 5,034.36 5,085.33 5,136.82
Interest 2,683.13 2,650.40 2,617.35 2,583.96 2,550.24 2,516.17 2,481.76 2,447.00 2,411.89 2,376.42 2,340.59 2,304.40 2,267.84 2,230.92 2,193.62 2,155.94 2,117.88 2,079.44 2,040.60 2,001.38 1,961.75 1,921.73 1,881.30 1,840.45 1,799.20 1,757.53 1,715.44 1,672.92 1,629.97 1,586.58 1,542.76 1,498.49 1,453.77 1,408.61 1,362.98 1,316.89 1,270.34 1,223.31 1,175.81 1,127.83 1,079.36 1,030.40 980.94 930.99 880.52 829.55 778.06
5,914.89
265,000.00
Outstanding 265,000.00 261,768.24 258,503.76 255,206.22 251,875.30 248,510.65 245,111.94 241,678.81 238,210.92 234,707.92 231,169.46 227,595.16 223,984.68 220,337.64 216,653.67 212,932.40 209,173.46 205,376.46 201,541.01 197,666.72 193,753.21 189,800.08 185,806.92 181,773.33 177,698.90 173,583.22 169,425.86 165,226.41 160,984.44 156,699.53 152,371.22 147,999.10 143,582.70 139,121.59 134,615.31 130,063.41 125,465.42 120,820.87 116,129.29 111,390.22 106,603.16 101,767.63 96,883.14 91,949.20 86,965.30 81,930.94 76,845.60 71,708.78
48 49 50 51 52 53 54 55 56 57 58 59 60
5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89
5,188.83 5,241.37 5,294.44 5,348.05 5,402.19 5,456.89 5,512.14 5,567.95 5,624.33 5,681.28 5,738.80 5,796.90 5,855.60
726.05 673.51 620.45 566.84 512.69 457.99 402.74 346.93 290.56 233.61 176.09 117.98 59.29
66,519.94 61,278.57 55,984.13 50,636.09 45,233.89 39,777.00 34,264.86 28,696.90 23,072.57 17,391.30 11,652.50 5,855.60 0.00
0.00
89,893.12
EMI CHART Loan Amount Interest Period Moratorium Year
265000 EMI 12% Value after Moratorium : 60 0
Months
EMI
Principal
Interest
5914.89 265,000.00
1st
1 2 3 4 5 6 7 8 9 10 11 12
5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 70978.62
3231.76 2683.13 3264.48 2650.40 3297.53 2617.35 3330.92 2583.96 3364.65 2550.24 3398.71 2516.17 3433.13 2481.76 3467.89 2447.00 3503.00 2411.89 3538.47 2376.42 3574.29 2340.59 3610.48 2304.40 41015.32 29963.30
0 0 0 0 0 0 0 0 0 0 0 0
Outstanding 265000.00 261768.24 258503.76 255206.22 251875.30 248510.65 245111.94 241678.81 238210.92 234707.92 231169.46 227595.16 223984.68
2nd
13 14 15 16 17 18 19 20 21 22 23 24
5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 70978.62
3647.04 2267.84 3683.97 2230.92 3721.27 2193.62 3758.94 2155.94 3797.00 2117.88 3835.45 2079.44 3874.28 2040.60 3913.51 2001.38 3953.13 1961.75 3993.16 1921.73 4033.59 1881.30 4074.43 1840.45 46285.78 24692.85
0 0 0 0 0 0 0 0 0 0 0 0
220337.64 216653.67 212932.40 209173.46 205376.46 201541.01 197666.72 193753.21 189800.08 185806.92 181773.33 177698.90
3rd
25 26 27 28 29 30 31 32 33 34 35 36
5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 70978.62
4115.68 1799.20 4157.36 1757.53 4199.45 1715.44 4241.97 1672.92 4284.92 1629.97 4328.30 1586.58 4372.13 1542.76 4416.39 1498.49 4461.11 1453.77 4506.28 1408.61 4551.91 1362.98 4597.99 1316.89 52233.48 18745.14
0 0 0 0 0 0 0 0 0 0 0 0
173583.22 169425.86 165226.41 160984.44 156699.53 152371.22 147999.10 143582.70 139121.59 134615.31 130063.41 125465.42
4th
37 38 39 40 41 42 43 44 45 46 47 48
5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 70978.62
4644.55 1270.34 4691.57 1223.31 4739.08 1175.81 4787.06 1127.83 4835.53 1079.36 4884.49 1030.40 4933.94 980.94 4983.90 930.99 5034.36 880.52 5085.33 829.55 5136.82 778.06 5188.83 726.05 58945.47 12033.15
0 0 0 0 0 0 0 0 0 0 0 0
120820.87 116129.29 111390.22 106603.16 101767.63 96883.14 91949.20 86965.30 81930.94 76845.60 71708.78 66519.94
5th
49 50 51 52 53 54 55 56 57 58 59 60
5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 70978.62
5241.37 5294.44 5348.05 5402.19 5456.89 5512.14 5567.95 5624.33 5681.28 5738.80 5796.90 5855.60 66519.94
0 0 0 0 0 0 0 0 0 0 0 0
61278.57 55984.13 50636.09 45233.89 39777.00 34264.86 28696.90 23072.57 17391.30 11652.50 5855.60 0.00
673.51 620.45 566.84 512.69 457.99 402.74 346.93 290.56 233.61 176.09 117.98 59.29 4458.68
Project Profile on Detergent Powder Making Unit. RAVI RAJ Ward No. 11, Near Upgraded Middle School, Narha, Tamaut Parsa, Murlliganj, Madhepura Statement Showing the Repayment of Term Loan & Working Capital: Term Loan Installme Principal Interest Outstandin nt Repayme @ g nt 11.00% Year 3.75 1 1.00 0.58 0.42 3.17 2 1.00 0.65 0.35 2.51 3 1.00 0.74 0.27 1.78 4 1.00 0.83 0.17 0.94 5 1.00 0.94 0.06 0.00 Working Capital Installme Principal Interest Outstandin nt Repayme @ g nt 11.00% Year 2.65 1 0.71 0.41 0.30 2.24 2 0.71 0.46 0.25 1.78 3 0.71 0.52 0.19 1.25 4 0.71 0.59 0.12 0.67 5 0.71 0.67 0.04 0.00 Statement Showing the Depreciation on Fixed Assets (Straight Line Method) Depreciation Ra 15% Book Depreciati Accumu Book Value on lated Value Year Year Expenses Depre. End Year Start 1 3.00 0.45 0.45 2.55 2 2.55 0.45 0.90 2.10 3 2.10 0.45 1.35 1.65 4 1.65 0.45 1.80 1.20 5 1.20 0.45 2.25 0.75 Depreciation Year Book Value Year Start 1 2 3 4
0.45 0.45 0.45 0.45
Signature of Promoter
5
0.45
Signature of Promoter
Installment on TL Installment on WC Principal Repayment on TL Principal Repayment on WC Interest on TL Interest on WC Outstanding of TL
1 1.00 0.71 0.58 0.41 0.42 0.30 3.17
2 1.00 0.71 0.65 0.46 0.35 0.25 2.51
3 1.00 0.71 0.74 0.52 0.27 0.19 1.78
4 1.00 0.71 0.83 0.59 0.17 0.12 0.94
5 1.00 0.71 0.94 0.67 0.06 0.04 0.00
OutStanding of WC
2.24
1.78
1.25
0.67
0.00
Depreciation
0.45
0.45
0.45
0.45
0.45
Project at a Glance 1 2
Name of the Unit/Borrower Name of the Entreprenuer
KUMAR SAH KUMAR SAH PAN - HOKPS2174L issued on 18.02.2017 9/15/1986 Age 33 Years Individual SRI UPENDRA SAH
3 4 5 6
Date of Birth Constitution (Legal Status) Father's Name Unit Address
7
Residential Address
Ward No. 7, Gangapura, Post - Gangapur, VIA - Murliganj, District - Madhepura, PIN - 852122 (Bihar)
8 9 10 11 12 13 14 15 16
Non Metric (Eight) Micro Enterprises Individual 5 Year Other Backward Caste 7563987910, 7033287742 Readymade Garments Making & Tailoring Units 5.00 ₹
17 18 19 20 21 22 23
Qualification Type Management Experience Category Contact No. Activit y / Product and By Product Cost of Project Rs. Means of Finance a Term Loan b Working Capital c Own Capital (Contribution) d Total Means of Finance (Add: (14 of a+b+c) Government Subsidy from KVIC Debt Service Coverage Ratio Pay Back Period Project Implementation Period Break Even Point Employment Major Raw Materials
24
Estimated Annual Revenue Turnover Rs.
₹
In the premises of Sikendra Yadav, Ward No. 9, Murliganj, Post - Murlgianj, District - Madhepura, PIN - 852122 (Bihar)
₹ ₹ ₹ ₹
2.85 1.90 0.25 5.00
₹
1.75 [35%] 2.65 [Average DSCR Net]
5
Years
31.58% 5 of both skilled and unskilled persons inclusive himself. The main raw materials & consumables required for the unit are various clothing and sewing materials etc. which is uses and made into finished product. 28.78 lacs KUMAR SAH
Date:
Sd/Proprietor
Project Profile on Readymade Garments Making and Tailoring Units KUMAR SAH Ward No. 7, Gangapur, Post - Gangapur, VIA - Murliganj, District - Madhepura, PIN - 852122 1
Executive Summary This report explore the feasibility of an activity of Readymade Garments Making and Tailoring Units. After analyzing initial start-up operating cost and projected revenues, it seems that Mr. KUMAR SAH has the potential of being a profitable bussiness opportunity in concern activity. This project is based on manufacturing garments such as shirts, trousers, tops, ladies suits, salwar kameez, blouse, petticoat and nighties and school dresses etc of various design as per requirement of business needs and sell it through own shop to customer and to the shopkeeper of nearby area. Market of such clothes is quite large and material required for making such clotes is also not a problem even on local level. Being in the field the promoter studied various aspects of the industry and now confidently came forward to establish a garments making unit for the people. Making of above stated item is very simple and easily manageable by promoter. The borrower Mr. KUMAR SAH intends to set up the unit in rented premises at Ward No. 9, Murliganj, District - Madhepura with a capacity to produce total of Rs. 30.71 lacs per annum. A wide potential market comes around the unt. There are a great number of garments shop and school in the Murliganj and near by areas through which the product can be sold in addition to direct sales through own shop with an aim to attain sales of Rs. 28.78 lakhs. This will rise in next projection year of operations from Rs. 30.71 lacs to Rs. ____ lacs
The unit has budget total projected sales from the finished garments of Rs. 30.71 lacs. The first year’s projected before tax Net Income is Rs. 4.08 lacs after accounting for Total Expenses of Rs. 1.60 only and Cost of Goods Sold for Rs. 10.08 lacs only. In addition to this the report explores sensitivities in demand and their resulting impacts on operations. For the business there will be a need for 4 full-time employee in addition to my full-time commitment and 1 staff for outside; This person would have 3 plus years experience (in the concerned field) and will be responsible for the manufacturing of various dresses and supply it as per business needs. 2
Introduction The unit will be start-up to manufacturing of readymade garments The unit is being set-up in rented premises. The Permanent Account Number (PAN) of the promoter is HOKPS2174L issued on 18/02/2017. The promoter also got a skill development training under KVIC from SBI RSETI, Madhepura. He apply for loan to State Bank of India under the PMEGP Scheme. In recent time such type of work has made rapid strides. The demand of the readymade garments is increasing day by day due to urbanization of the villages/cities. In the recent year the domestic demand has also been growing rapidly. The overall demand of clothing is gone up. The increasing level of people has in turn created demand for occasional and seasonal clothing. The report will take a holistic view of the business itself, competitors, and overall strategy of the unit. To start this business a loan will be taken out from SBI MURLIGANJ Branch and partially funded personally.
3
Business Overview, Products and Services
4
5
Garments is a basic need for every human being. Although there is a considerably big range under readymade clothes but here promoter shall deal ladies garments, school dresses and children wear. Market Potential This will be a manufacturing-oriented industry to to manufacture the readymade garments. As it is an item of daily use and necessity, there marketing will not be a problem. The local market is available for different types of products in garments. The promoter's good experience in the industry will do a major role and wide spread contacts with numerious educational institutions and shop can assure a stable market for the products. The unit will focus its efforts towards to client on specific occasion. So there is good scope for establishing the unit. Hence a sound market assured for the activity. Utmost care will be taken for the change of fashion and trend since they decide the sale of readymade garments day to day.
Target Production The promoter must aware of these manufacturing market in that area in which wishes to set-up the plant. So he manufacture the ladies garments & children wear etc. The annual production envisaged at 100% of the capacity utilization would be as follows. The capacity of the proposed unit has been estimated as under: Revenue From
Nos
Different Items
Charges unit
per Total
Revenue Turnover
Different Rate
Total 6
RAW MATERIAL REQUIREMENTS: The main raw materials for the unit are: Raw materials & consumables requirement for the unit are various clothing and sewing materials Fabrics, Appliques, Non Woven Carry Bags, Buttons, Yarns and other additives etc. They are easily available and care will be taken for the selection of the same. 7 PROCESS As is well-known, the basically the promoters and his team are cut to the fabrics proper sizes and shapes. These are stitched together as per specification. Thease are then interlocked, Buttons holes are made and stitched mannually. The finished products are then mannually ironed and packed.
8
Promoter and Key Personnel In the initial stages of the business there will be a need for 4 full time employee in addition to my full - time commitment, The staff will be working a mix of producing and supply work outside and will be responsible for the work related to the unit as per business needs. The promoter of the unit is Mr. KUMAR SAH. He is aged 33 years and is an enterprising and hard working men and also well experienced in the industry. He belongs from OBC Category. He has specialized in the field and is well known for it in the surrounding areas. He is capable of managing the unit. He has long experience in the industry and contacts with a lot of customers/consumers make him very confident of running and managing the unit profitability. He is a dynamic men a greater aspiration. The person would have 3+ years experience with an available portfolio that meets unit expectations. Also, must have experience in respect to concerned field. He would need to be able to build a rappor and lasting relationships with the client base and be outgoing and charismatic with the ability to handle the store front and be dependable.
The person would have 3+ years experience with an available portfolio that meets unit expectations. Also, must have experience in respect to concerned field. He would need to be able to build a rappor and lasting relationships with the client base and be outgoing and charismatic with the ability to handle the store front and be dependable.
9
Staff and labour (Manpower)
10
The promoter himself has a lot of experience in the field and is capable of managing the staff and labour force of the unit. Skilled and semi skilled workers locally available. The total staff strength is detailed in economics of the project. The unit will be operated in one shift. Location The unit intended to start in its rented premises of Sikendra Yadav at Ward No. 9, Murliganj. There are all necessary amenities for locating the unit. There will not be any problem for getting required power and communication facilities and is accessible. Therefore the location is highly suitable for the unit.
11
Equipment The details of equipment are enlisted in the economics of the project. They include embroidery machines, sewing machines, overlock machines, tools, furniture etc. The proposed equipment are selected from reputed machinery makers with utmost care.
12
Power The power is available from the State Electric Supply Corporation Grid and suitable measures adopted to use electricity. The annual consumption of power is estimated in economic of the project.
13
Pollution Control: However this unit will not create any pollution problems.
13
Source of Finance/Business Financing The unit will require an initial financing to start-up buy equipment and have the necessary cash flow for operations. A composite loan under PMEGP Scheme will be taken out from State Bank of India, MURLIGANJ Branch for a period requiring 5 year. The total outside fund is raised by way of loan to the tune of Rs. 2.85 lacs from Bank as Term Loan and Rs. 1.90 lacs as working capital loan. Rs. 0.25 lacs is raised by the promoter himself. He is financially sound and is able to raise fund according to the need. The Term Loan will be repaid within 5 years.
14
Conclusion The promoter of the unit is dynamic and result oriented men. The project has enough scope in nearby areas as the need for such types of business is increasing day by day. With the financial assistance the promoter will be able to establish the unit in schedule time. He plans to start the unit under MSME sector and can get subsidy to the tune of 35% under PMEGP of the industries department. On revealing the various aspect of the project and studying the financial and technical features of the scheme, it can be easily concluded that the project will be a great success.
15
Basis and Presumption
* * * * *
The project is based on single shift working of 8 hours a day and 300 working days per annum. The unit would setup in rented premises. The cost of equipment indicated in the profile refers to a particular make and prices are approximate to those prevailing at the time of preparation of the project profile. Capacity Utilization (C U) is 75% during first year, 80% during second year of operation, The unit is expected to achieve 90% capacity utilization from the third years onwards.
*
* * * *
The cost of packaging, forwarding tax etc and installation electrification of machienry, project cost, trial production, fees etc are considered under pre-operative expenses. Depreciation has been taken as @ 15% The provision made in respect of consumables, personnel and overhead etc., has been made at the prevailing rates and are approximate only. The rate of interest has been taken 11.00% on an average both for fixed investment and working capital. The salaries and wages, cost of raw material, utilities, rent of shed etc, are taken as per prevailing rates in this type of industry. These cost factors are likely to vary with time. The entrepreneur is expected to raise 5% of the capital as margin money. The cost of machinery and equipment refers to a particular make/model and the price is approximate. The Break Even Point (BEP) indicated is full capacity utilization. Operative period of the project has been considered as 5 years.
* * *
Critical Factors for the Project For the unit need professional management and approach as this is niche business category. For the unit require good distribution network and good contacts with consumers. The supplier has major need to easy access to surrounding area for timely delivery.
* * * * *
Government Approvals *
The unit will be requirement of MSME for Registration for setting up of unit. Training courses The promoter has take short term EDP (Entrepreneurship Development Programme) training of 10 days in regard of manufacturing of readymade garments and tailoring under PMEGP scheme from __________ to _____________ at SBI RSETI (Rural Self Employment Training Institute, Madhepura in Batch No. _________________. He obtained certificate, bearing no. ________ MIS Batch No. _____.
Address of Plant & Machinery Supplier Choudhary Enterprises (Deals in equipments of sewing machine etc). Madhepura (Bihar) Contact - +91 9471446004 GSTIN - 10ANJPK2237M1Z4 Quotation No. 46, Dated 18.03.2019
NIRMAL KUMAR
Sd/Proprietor Date:
Project Profile on Readymade Garments Making and Tailoring Units KUMAR SAH Ward No. 7, Gangapur, Post - Gangapur, VIA - Murliganj, District - Madhepura, PIN - 852122 Economics of the Project FIXED ASSETS Project Cost 1 Premises (owned) 2 Machinery and Equipment
3
4 5 6
:
0.03
Per Month
The following equipment are required for the functioning of the proposed unit. Their respective costs as per lowest quotation excluding taxes are as follows: Description Quantity Price ₹ Total Value ₹ a 3.00 3.00 Sewing Machine, Embroidery Machine, Overlock Machine, Pico Machine, Electric Iron, Motor Set, Measurement Scale Set etc. and including electrification charges, furniture and 0.00 miscellaneous others. 0.00 Total Cost of Equipment as per Quotation 3.00 Miscelaneous Fixed Assets a Electricification Charges @2% of the cost of machinery and equipment 0.00 b c Total of Furniture and Miscellaneous Others 0.00 d Total Fixed Assets (A) (2+3) 3.00
Preliminary & Pre-Operative Expenses Total Amount of Fixed Capital Required
(A)
0.00 3.00
₹
WORKING CAPITAL 6 Raw Material/Consumable Required Purchase
1.81
Various Clothing and Sewing Materials. 7
a b c d 8
Staff and Labour (Salary and Wages) Manpower required by the unit including experienced workers is locally available. The requirement and annual costs of manpower at the installed capacity is shown below: Category of Manpower Monthly Persons Total Cost Service Supervisor/Manager (Himself) 0.00 1 0.00 Skilled Worker 0.05 2 0.11 Outside Worker 0.04 2 0.08 Total Salary and Wages to Staff 0.19 The unit process to employ 5 Nos. in addition to me. Working Capital a Raw Material (Purchase) 1.81 b Salary and Wages to Staff and Labour 0.19 c Total Amount of Working Capital Required ₹ 2.00
11
Total Project Cost ₹ (Total Fund Required for the Project) Means of Finance (Source of Finance) Bank Finance (Composite Loan under PMEGP Scheme) 1 Term Loan [95% of the Total Fixed Capital Investment] 2 Working Capital [95% of the Total W.C Required] 3 Promoter's Contribution [5% of the Total Project Cost] Total Means of Finance ₹
12
Government Subsidy (entitled) from KVIC
9 10
5.00 4.75 2.85 1.90 0.25 5.00 35%
1.75
13
Debt/Equity Ratio
[10 of (1+2)/10 of (3+11)]
2.38
The Government subsidy under the scheme will be routed by KVIC through the identified Banks for eventual distribution to the beneficiaries/entrepreneurs in their Banks accounts. Plot Details - Ward No. 9, Murliganj, District - Madhepura. PIN - 852122 (Bihar). Khata No. 195 Kheshra No. 1451 Total Area 300 Sqft. Thana No. 266 *
Boundary of the Proposed Unit On the North - Nij, South - Road, West - Road and East - Nij
*
GST Taxes, Freight and other expenses will be paid by the borrower on purchase of plant, machinery and other equpment. Cost of land not included in project cost.
*
NIRMAL KUMAR
Sd/Proprietor Date:
Total Value ₹
Project Profile on Readymade Garments Making and Tailoring Units KUMAR SAH Ward No. 7, Gangapur, Post - Gangapur, VIA - Murliganj, District - Madhepura, PIN - 852122 Schedule of Sales Realization The monthly Sales realization is estimated at Rs. 2.11 lakh as under. Revenue by sale per month for the first year S. No Particulars 1 By Sale of different finished garments and tailoring etc.
2
Capacity in Rate ₹ Total Value ₹ Different Rate 2.56
Total
2.56
Raw Material Required Per Month [Purchase) ₹ Stainless Steel Sheet of various sizes, welding eletrodes, cutting blades, screws and other consumables.
1.81
1.81 3 Freight 4 Power and Fuel 5 Rent of Premises 6 Repairs to Premises 7 Repairs to Plant & Machinery 4 Salary and Wages 5 Travelling 6 Mobile and Telephone Exp. 7 Miscellaneous Expenses 8 Stationery Cost 9 Preliminary & Pre-Operative Expenses 11 Total (Add (4 to 10) WORKING CAPITAL PER MONTH
₹
KUMAR SAH
Sd/Proprietor Date:
0.02 0.02 0.03 0.01 0.01 0.19 0.01 0.01 0.04 0.01 0.00 0.33 2.14
Project Profile on Readymade Garments Making and Tailoring Units KUMAR SAH Ward No. 7, Gangapur, Post - Gangapur, VIA - Murliganj, District - Madhepura, PIN - 852122 Capacity Utilization of Manufacturing and Administrative Expenses Yearly Year Capacity Utilized (%) 1 Manufacturing Expenses c Raw Material Required Per Month b Freight c Power and Fuel d Rent of Premises e Repairs to Premises f Repairs to Plant & Machinery g Salary and Wages h Travelling i Mobile and Telephone Exp. j Miscellaneous Expenses k Stationery Cost l Preliminary & Pre-Operative Expenses 3 Total of Manufacturing and Administrative Exp
1 70%
2 75%
3 80%
4 85%
15.20 0.16 0.14 0.25 0.05 0.05 1.55 0.10 0.05 0.38 0.05 0.00 17.98
16.29 0.17 0.15 0.27 0.06 0.06 1.67 0.10 0.05 0.40 0.05 0.00 19.27
17.38 0.18 0.16 0.29 0.06 0.06 1.78 0.11 0.05 0.43 0.05 0.00 20.55
18.46 0.20 0.17 0.31 0.07 0.07 1.89 0.12 0.05 0.46 0.05 0.00 21.83
Assessment of Working Capital 1 2
3
₹
Sale (Annual Sales Forecasting) Cost of Production (Annual) Manufacturing Expenses c Raw Material b Freight c Power and Fuel d Rent of Premises e Repairs to Premises f Repairs to Plant & Machinery g Salary and Wages h Travelling i Mobile and Telephone Exp. j Miscellaneous Expenses k Stationery Cost l Preliminary & Pre-Operative Expenses Production Cost [2 of a+b+c+d+e]
₹
₹ ₹ ₹ ₹
KUMAR SAH
Sd/-
Proprietor Date:
5 95% 20.63 0.22 0.19 0.34 0.07 0.07 2.11 0.13 0.06 0.51 0.06 0.00 24.40
30.71
21.72 0.23 0.20 0.36 0.08 0.08 2.22 0.14 0.06 0.54 0.06 0.00 25.69
Project Profile on Readymade Garments Making and Tailoring Units KUMAR SAH Ward No. 7, Gangapur, Post - Gangapur, VIA - Murliganj, District - Madhepura, PIN - 852122 Profit and Loss Account (Projected) Year Capacity Utilized Revenue from operations 1 Sales/Gross receipts 2 Other income 3 Closing Stock of Finished Goods [Inventories] 4 Totals of credits to profit and loss account (1+2+3)
5 6 7 8 9 ### 11 ### ### ### ### ### ### ###
### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ###
DEBITS TO PROFIT AND LOSS ACCOUNT Opening Stock Purchases [Raw Materials including stores & other items use Freight Power & Fuel Rents (Premises) Repairs to Premises Repairs to Plant & Machinery Salaries & Wages Travelling Mobile & Telephone Expenses Miscellaneous Expenses Stationery Cost TOTAL Profit before interest, depreciation and taxes [PBIDT] [4-17] Interest on Bank Borrowing & Charges i Interest on TL ii Interest on Working Capital Operating Profit After Interest [18-19] Depreciation and amortisation. Profit before taxes PROVISIONS FOR TAX AND APPROPRIATIONS Profit after tax [PAT] [21-22] Net Profit/Loss [Annual) Balance carried to balance sheet Total [17+18(i+ii+20+24)] Net Profit/Sales [%] [1/24] Equity dividend paid-amt [Already paid+BS Prov]. Retained Profit [24-27] Return Profit/Net Profit [%] [28/24] Return on Investment [ROI] Return on Sales [24/1] Annual Contribution Break Even Point [BEP] Cash Accruals DSCR [Average Gross DSCR] Net DSCR Repayment of Composite Loan i Repayment of TL ii Repayment of Working Capital Loan on Demand
1 70%
2 75%
3 80%
4 85%
5 95%
21.50 0 1.50 23.00
23.03 0 2.87 25.90
24.57 0 3.95 28.52
26.10 0 4.80 30.90
29.17 0 5.22 34.39
0 15.20 0.16 0.14 0.25 0.05 0.05 1.55 0.10 0.05 0.38 0.05 17.98 5.01
1.50 16.29 0.17 0.15 0.27 0.06 0.06 1.67 0.10 0.05 0.40 0.05 20.77 5.13
2.87 17.38 0.18 0.16 0.29 0.06 0.06 1.78 0.11 0.05 0.43 0.05 23.42 5.10
3.95 18.46 0.20 0.17 0.31 0.07 0.07 1.89 0.12 0.05 0.46 0.05 25.78 5.12
4.80 20.63 0.22 0.19 0.34 0.07 0.07 2.11 0.13 0.06 0.51 0.06 29.20 5.19
0.42 0.30 4.29 0.45 3.84 0 3.84 3.84 23.00 5.60 0.35 3.49 91%
0.35 0.25 4.54 0.45 4.09 0 4.09 4.09 25.90 5.63 0.35 3.74 91%
0.27 0.19 4.64 0.45 4.19 0 4.19 4.19 28.52 5.86 0.35 3.84 92%
0.17 0.12 4.83 0.45 4.38 0 4.38 4.38 30.90 5.96 0.35 4.03 92%
0.06 0.04 5.08 0.45 4.63 0 4.63 4.63 34.39 6.30 0.35 4.28 92%
17.87 3.84 41.88 4.29 2.34 2.80
17.75
17.07
16.77
15.88
0.58 0.41
0.65 0.46
0.74 0.52
0.83 0.59
0.94 0.67
### Pay Back Period
5 Years
Profitability: Based on the sales turnover and the production expenses the profit would be Rs. 3.38 lakhs for the first year. The works out to a return on capital investment of ___% for the first year. The unit would break-even at about 31.58% of the rated capacity. The profitability basis and projections are indicative and on approximate basis only.
Selling General & Administrative Exp. Interest+Bank & Other charges
23.00
17.98 0.72 0.45 19.16
4.41 5.87 0.45 6.32
2.48 0.72
3.84
2.65 0.60
2.83 0.45
3.01 0.29
3.36 0.11
Project Profile on Readymade Garments Making and Tailoring Units KUMAR SAH Ward No. 7, Gangapur, Post - Gangapur, VIA - Murliganj, District - Madhepura, PIN - 852122 BALANCE SHEET [Projected]
1st Year Description Sources of Funds Proprietor's fund 1 Proprietor's capital [Own Contribution] 2 Add: Net Profit 3 Less; Withdrawals 4 Add: Reserves & Surplus 5 Total proprietor’s fund [1+2-3+4] 6 Loan funds i Term Loan O/s ii Working Capital O/s Total Loan Funds [6 of i+ii] 7 Sources of funds [5+6 of i+ii] Application of Funds Fixed assets 8 Gross: Block 9 Depreciation ### Net Block [8-9] Current assets, loans and advances Current assets 11 Inventories [Closing Stocks] ### Sundry Debtors ### Cash and Bank Balances ### Total current assets [Add: 11+12+13] Loans and advance ### Deposits,loans and advances to corporates and ### Total of current assets, loans and advances [14+ Current liabilities and provisions ### Sundry Creditor ### Net current assets [16-17] ### Total, application of funds [10+18]
At the end of the year 2nd Year 3rd Year 4th Year
5th Year
0.25 3.84 0.35 0 3.74
3.74 4.09 0.35 0 7.48
7.48 4.19 0.35 0 11.32
11.32 4.38 0.35 0 15.35
15.35 4.63 0.35 0 19.63
3.17 2.24 5.41 9.15
2.51 1.78 4.29 11.77
1.78 1.25 3.03 14.35
0.94 0.67 1.61 16.95
0.00 0.00 0.00 19.63
3.00 0.45 2.55
2.55 0.45 2.10
2.10 0.45 1.65
1.65 0.45 1.20
1.20 0.45 0.75
1.50 0.00 3.92 5.42
2.87 0.00 6.10 8.97
3.95 0.00 8.53 12.48
4.80 0.00 11.20 16.00
5.22 0.00 14.38 19.60
0.00 5.42
0.00 8.97
0.00 12.48
0.00 16.00
0.00 19.60
0 5.42 7.97 1.18
0 8.97 11.07 0.70
0 12.48 14.13 0.22
0 16.00 17.20 -0.25
0 19.60 20.35 -0.72
Singnature of Promoters
i. Commercial Viability 2020 2021 Capacity u 0 0 Sales 21.42 24.48 Net Profit 5.05 4.11 Depreciat 0.15 0.15 Interest 0.00 4.10 Amortise 0.00 0.00 TOTAL 5.20 8.36 TL / DPG 0.49 9.26 Interest 0.00 4.10 TOTAL 0.49 13.36 Gross D 10.61 0.63 Average 1.22 Net DSC 1.30
[Rs. in lacs]
2022 0 27.54 4.86 0.15 2.85 0.00 7.86 8.77 2.85 11.62 0.68
2023 0 27.54 5.05 0.15 2.03 0.00 7.23 3.39 2.03 5.42 1.33
2024 0 27.54 5.11 0.15 1.57 0.00 6.83 3.39 1.57 4.96 1.38
67800
BREAK EVEN ANALYSIS Installed capacity [per annum] Capacity utilisation [as % of IC] [A] Net Sales [B] Variable Expenses [C] Contribution [D] Fixed & Semi Variable Expenses Operating Profit Break Even Sales B.E.S. as % of Net Sales
2020
2021
2022
2023
2024
21.42 15.81 5.61 0.56 5.05
24.48 15.65 8.83 4.72 4.11
27.54 19.15 8.39 3.53 4.86
27.54 19.78 7.76 2.71 5.05
27.54 20.18 7.36 2.25 5.11
2.14 13.09 11.59 9.62 8.42 9.98% 53.45% 42.07% 34.92% 30.57%
Break Even at Installed Capacity B.E.at I.C. as % of Inst.Capacity. Cash Break Even at Installed Capacity
Cash B.E. at I.C.as % of I.C. Cash Break Even Sales Cash B.E.S. as % of Net Sales
1.57 12.67 11.09 9.09 7.86 7.31% 51.76% 40.29% 32.99% 28.53%
[Rs. in lacs] NIRMAL KUMAR PROFITABILITY ESTIMATION
Capacity Utilisation Net Sales Cost of Raw Materials[+consumables]
Power & Fuel Direct Labour Depreciation Other Mfg.expenses Op.stock-Cl.stock of SFG+FG
Cost of Production Selling, General & Administrative Exp.
Total Expenses Operating Profit/Loss Interest Net of Non-Operating Income/Expenses Expenses Ammortised [Misc.Exp.Written Off]
Profit before tax [PBT] Income Tax Profit after Tax [Net Profit]
Divedend paid / payable Retained Profit
2020 21.42 15.20 0.15 0.00 0.15 1.95 -1.81 15.64 0.41 16.05 5.37 0.32 0.00 0.00 5.05 0.00 5.05 0.18 4.87
2021
2022
2023
2024
2025
2026
24.48 17.38 0.17 0.00 0.15 2.24 -0.29 19.65 0.47 20.12 4.36 0.25 0.00 0.00 4.11 0.00 4.11 0.45 3.66
27.54 19.55 0.19 0.00 0.15 2.51 -0.45 21.95 0.53 22.48 5.06 0.20 0.00 0.00 4.86 0.00 4.86 0.45 4.41
27.54 19.55 0.19 0.00 0.15 2.51 -0.57 21.83 0.53 22.36 5.18 0.13 0.00 0.00 5.05 0.00 5.05 0.45 4.60
27.54 19.55 0.19 0.00 0.15 2.51 -0.55 21.85 0.53 22.38 5.16 0.05 0.00 0.00 5.11 0.00 5.11 0.45 4.66
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
DEBT SERVICE COVERAGE RATIO [NET]
Net Profit [Profit after Tax]
Add Depreciation Add Intangible Assets written off
Cash Accruals [A] T.L. Repayment obligation[B]
Existing Proposed DSCR [A/B] AVERAGE DSCR [NET]
2020 5.05 0.15 0.00 5.20 0.49 0.49 0.00
2021 4.11 0.15 0.00 4.26 9.26 5.87 3.39
2022 4.86 0.15 0.00 5.01 8.77 5.38 3.39
2023 5.05 0.15 0.00 5.20 3.39 0.00 3.39
2024 5.11 0.15 0.00 5.26 3.39 0.00 3.39
2025 0.00 0.00 0.00 0.00 3.39 0.00 3.39
2026 0.00 0.00 0.00 0.00 6.80 0.00 6.80
10.61 1.30
0.46
0.57
1.53
1.55
0.00
0.00
2020 5.20 0.00 0.00 0.00 5.20 0.49 0.49 0.00 0.00 0.00 0.00 0.49 10.61 1.22
2021 4.26 4.10 1.16 2.94 8.36 9.26 5.87 3.39 4.10 1.16 2.94 13.36 0.63
2022 5.01 2.85 0.37 2.48 7.86 8.77 5.38 3.39 2.85 0.37 2.48 11.62 0.68
2023 5.20 2.03 0.00 2.03 7.23 3.39 0.00 3.39 2.03 0.00 2.03 5.42 1.33
2024 5.26 1.57 0.00 1.57 6.83 3.39 0.00 3.39 1.57 0.00 1.57 4.96 1.38
2025 0.00 1.12 0.00 1.12 1.12 3.39 0.00 3.39 1.12 0.00 1.12 4.51 0.25
2026 0.00 0.59 0.00 0.59 0.59 6.80 0.00 6.80 0.59 0.00 0.59 7.39 0.08
DEBT SERVICE COVERAGE RATIO [GROSS]
Cash Accruals Interest on Term Loan
Existing Proposed [A] Total T.L. Repayment obligations
Existing Proposed Interest on Term Loan
Existing Proposed [B] Total DSGCR [A/B] AVERAGE DSCR[GROSS]
NIRMAL KUMAR
DEBT SERVICE COVERAGE RATIO PROJECT - [NET]
Net Profit [Profit After Tax]
Add Depreciation Add Intangible Assets Written Off
Cash Accruals [A] T.L. Repayment obligation[B]
DSCR [A/B] AVERAGE DSCR[NET - PROJECT]
2020 4.56 0.15 0.00 4.71 0.00 0.00 1.38
2021 -2.92 0.15 0.00 -2.77 3.39 -0.82
2022 -0.89 0.15 0.00 -0.74 3.39 -0.22
2023 5.05 0.15 0.00 5.20 3.39 1.53
2024 5.11 0.15 0.00 5.26 3.39 1.55
2025 0.00 0.00 0.00 0.00 3.39 0.00
2026 0.00 0.00 0.00 0.00 6.80 0.00
2020 4.71 0.00 4.71 0.00 0.00 0.00 0.00 1.26
2021 -2.77 2.94 0.17 3.39 2.94 6.33 0.03
2022 -0.74 2.48 1.74 3.39 2.48 5.87 0.30
2023 5.20 2.03 7.23 3.39 2.03 5.42 1.33
2024 5.26 1.57 6.83 3.39 1.57 4.96 1.38
2025 0.00 1.12 1.12 3.39 1.12 4.51 0.25
2026 0.00 0.59 0.59 6.80 0.59 7.39 0.08
DEBT SERVICE COVERAGE RATIO PROJECT - [GROSS]
Cash Accruals Interest on Term Loan
[A] Total T.L. Repayment obligations
Interest on Term Loan
[B] Total DSGCR [A/B] AVERAGE DSCR[GROSS - PROJECT]
PROJECTED BALANCE SHEET 2020 2021 2022 LIABILITIES Current Liabilities Bank bor 1.60 Sundry Cr 0.00 Term Loan 0.00 Provision 0.00 Other Curr 0.00 Total Cur 1.60 Term Loa 0.80 Other Lon 0.00 Total Ter 0.80 Capital 0.15 0.00 General Reserves Revaluat 0.00 Surplus i 4.87 Others 0.00 Total Ne 5.02 TOTAL LI 7.42
2023
2024
1.27 0.74 0.00 0.00 0.00 2.01 0.63 0.00 0.63 0.15 0.00 0.00 8.53 0.00 8.68 11.32
0.89 0.61 0.00 0.00 0.00 1.50 0.45 0.00 0.45 0.15 0.00 0.00 12.94 1.05 14.14 16.09
0.47 1.63 0.00 0.00 0.00 2.10 0.24 0.00 0.24 0.15 0.00 0.00 17.54 1.05 18.74 21.08
0.00 2.63 0.00 0.00 0.00 2.63 0.00 0.00 0.00 0.15 0.00 0.00 22.20 1.05 23.40 26.03
8.52 0.00 2.10 0.00 10.62 1.00 0.30 0.70 0.00 0.00 0.00 0.00 0.00 11.32
12.99 0.00 2.55 0.00 15.54 1.00 0.45 0.55 0.00 0.00 0.00 0.00 0.00 16.09
17.56 0.00 3.12 0.00 20.68 1.00 0.60 0.40 0.00 0.00 0.00 0.00 0.00 21.08
22.11 0.00 3.67 0.00 25.78 1.00 0.75 0.25 0.00 0.00 0.00 0.00 0.00 26.03
ASSETS Cash & B Sundry D Stock Other Cur Total Cu Gross Bl Depreciat Net Bloc Statutory Investmen Other Mis Total Mi Intangibl TOTAL A
4.76 0.00 1.81 0.00 6.57 1.00 0.15 0.85 0.00 0.00 0.00 0.00 0.00 7.42
EMI 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12
375000 EMI 12.15% 60 0 Value after Moratorium : Principal 4,573.25 4,619.55 4,666.32 4,713.57 4,761.29 4,809.50 4,858.20 4,907.39 4,957.08 5,007.27 5,057.96 5,109.18 5,160.91 5,213.16 5,265.94 5,319.26 5,373.12 5,427.52 5,482.48 5,537.99 5,594.06 5,650.70 5,707.91 5,765.70 5,824.08 5,883.05 5,942.62 6,002.78 6,063.56 6,124.96 6,186.97 6,249.61 6,312.89 6,376.81 6,441.38 6,506.59 6,572.47 6,639.02 6,706.24 6,774.14 6,842.73 6,912.01 6,982.00 7,052.69 7,124.10 7,196.23 7,269.09
Interest 3,796.88 3,750.57 3,703.80 3,656.55 3,608.83 3,560.62 3,511.92 3,462.73 3,413.05 3,362.86 3,312.16 3,260.94 3,209.21 3,156.96 3,104.18 3,050.86 2,997.00 2,942.60 2,887.65 2,832.14 2,776.06 2,719.42 2,662.21 2,604.42 2,546.04 2,487.07 2,427.50 2,367.34 2,306.56 2,245.16 2,183.15 2,120.51 2,057.23 1,993.31 1,928.75 1,863.53 1,797.65 1,731.10 1,663.88 1,595.98 1,527.39 1,458.11 1,388.13 1,317.43 1,246.02 1,173.89 1,101.03
8,370.12
375,000.00
Outstanding 375,000.00 370,426.75 365,807.20 361,140.88 356,427.31 351,666.02 346,856.52 341,998.32 337,090.93 332,133.85 327,126.59 322,068.63 316,959.45 311,798.54 306,585.38 301,319.44 296,000.18 290,627.06 285,199.54 279,717.06 274,179.08 268,585.02 262,934.32 257,226.41 251,460.71 245,636.63 239,753.58 233,810.96 227,808.18 221,744.61 215,619.66 209,432.69 203,183.07 196,870.18 190,493.37 184,051.99 177,545.40 170,972.93 164,333.91 157,627.67 150,853.52 144,010.80 137,098.78 130,116.79 123,064.10 115,940.00 108,743.78 101,474.69
48 49 50 51 52 53 54 55 56 57 58 59 60
8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12 8,370.12
7,342.69 7,417.03 7,492.13 7,567.99 7,644.62 7,722.02 7,800.20 7,879.18 7,958.96 8,039.54 8,120.94 8,203.17 8,286.22
1,027.43 953.09 877.99 802.13 725.51 648.10 569.92 490.94 411.16 330.58 249.18 166.96 83.90
94,132.00 86,714.96 79,222.83 71,654.84 64,010.23 56,288.21 48,488.01 40,608.83 32,649.87 24,610.33 16,489.39 8,286.22 0.00
0.00
127,207.24
EMI CHART Loan Amount Interest Period Moratorium
[TL] 375000 EMI 12% Value after Moratorium : 60 0
Year
EMI
Months
Principal
Interest
8370.12 375,000.00
1st
1 2 3 4 5 6 7 8 9 10 11 12
8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 100441.45
4573.25 3796.88 4619.55 3750.57 4666.32 3703.80 4713.57 3656.55 4761.29 3608.83 4809.50 3560.62 4858.20 3511.92 4907.39 3462.73 4957.08 3413.05 5007.27 3362.86 5057.96 3312.16 5109.18 3260.94 58040.55 42400.90
0 0 0 0 0 0 0 0 0 0 0 0
Outstanding 375000.00 370426.75 365807.20 361140.88 356427.31 351666.02 346856.52 341998.32 337090.93 332133.85 327126.59 322068.63 316959.45
2nd
13 14 15 16 17 18 19 20 21 22 23 24
8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 100441.45
5160.91 3209.21 5213.16 3156.96 5265.94 3104.18 5319.26 3050.86 5373.12 2997.00 5427.52 2942.60 5482.48 2887.65 5537.99 2832.14 5594.06 2776.06 5650.70 2719.42 5707.91 2662.21 5765.70 2604.42 65498.74 34942.71
0 0 0 0 0 0 0 0 0 0 0 0
311798.54 306585.38 301319.44 296000.18 290627.06 285199.54 279717.06 274179.08 268585.02 262934.32 257226.41 251460.71
3rd
25 26 27 28 29 30 31 32 33 34 35 36
8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 100441.45
5824.08 2546.04 5883.05 2487.07 5942.62 2427.50 6002.78 2367.34 6063.56 2306.56 6124.96 2245.16 6186.97 2183.15 6249.61 2120.51 6312.89 2057.23 6376.81 1993.31 6441.38 1928.75 6506.59 1863.53 73915.31 26526.14
0 0 0 0 0 0 0 0 0 0 0 0
245636.63 239753.58 233810.96 227808.18 221744.61 215619.66 209432.69 203183.07 196870.18 190493.37 184051.99 177545.40
4th
37 38 39 40 41 42 43 44 45 46 47 48
8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 100441.45
6572.47 1797.65 6639.02 1731.10 6706.24 1663.88 6774.14 1595.98 6842.73 1527.39 6912.01 1458.11 6982.00 1388.13 7052.69 1317.43 7124.10 1246.02 7196.23 1173.89 7269.09 1101.03 7342.69 1027.43 83413.40 17028.05
0 0 0 0 0 0 0 0 0 0 0 0
170972.93 164333.91 157627.67 150853.52 144010.80 137098.78 130116.79 123064.10 115940.00 108743.78 101474.69 94132.00
5th
49 50 51 52 53 54 55 56 57 58 59 60
8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 8370.12 100441.45
7417.03 7492.13 7567.99 7644.62 7722.02 7800.20 7879.18 7958.96 8039.54 8120.94 8203.17 8286.22 94132.00
0 0 0 0 0 0 0 0 0 0 0 0
86714.96 79222.83 71654.84 64010.23 56288.21 48488.01 40608.83 32649.87 24610.33 16489.39 8286.22 0.00
953.09 877.99 802.13 725.51 648.10 569.92 490.94 411.16 330.58 249.18 166.96 83.90 6309.45
EMI CHART Loan Amount Interest Period Moratorium Months 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47
EMI 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89
265000 EMI 12.15% 60 0 Value after Moratorium : Principal 3,231.76 3,264.48 3,297.53 3,330.92 3,364.65 3,398.71 3,433.13 3,467.89 3,503.00 3,538.47 3,574.29 3,610.48 3,647.04 3,683.97 3,721.27 3,758.94 3,797.00 3,835.45 3,874.28 3,913.51 3,953.13 3,993.16 4,033.59 4,074.43 4,115.68 4,157.36 4,199.45 4,241.97 4,284.92 4,328.30 4,372.13 4,416.39 4,461.11 4,506.28 4,551.91 4,597.99 4,644.55 4,691.57 4,739.08 4,787.06 4,835.53 4,884.49 4,933.94 4,983.90 5,034.36 5,085.33 5,136.82
Interest 2,683.13 2,650.40 2,617.35 2,583.96 2,550.24 2,516.17 2,481.76 2,447.00 2,411.89 2,376.42 2,340.59 2,304.40 2,267.84 2,230.92 2,193.62 2,155.94 2,117.88 2,079.44 2,040.60 2,001.38 1,961.75 1,921.73 1,881.30 1,840.45 1,799.20 1,757.53 1,715.44 1,672.92 1,629.97 1,586.58 1,542.76 1,498.49 1,453.77 1,408.61 1,362.98 1,316.89 1,270.34 1,223.31 1,175.81 1,127.83 1,079.36 1,030.40 980.94 930.99 880.52 829.55 778.06
5,914.89
265,000.00
Outstanding 265,000.00 261,768.24 258,503.76 255,206.22 251,875.30 248,510.65 245,111.94 241,678.81 238,210.92 234,707.92 231,169.46 227,595.16 223,984.68 220,337.64 216,653.67 212,932.40 209,173.46 205,376.46 201,541.01 197,666.72 193,753.21 189,800.08 185,806.92 181,773.33 177,698.90 173,583.22 169,425.86 165,226.41 160,984.44 156,699.53 152,371.22 147,999.10 143,582.70 139,121.59 134,615.31 130,063.41 125,465.42 120,820.87 116,129.29 111,390.22 106,603.16 101,767.63 96,883.14 91,949.20 86,965.30 81,930.94 76,845.60 71,708.78
48 49 50 51 52 53 54 55 56 57 58 59 60
5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89 5,914.89
5,188.83 5,241.37 5,294.44 5,348.05 5,402.19 5,456.89 5,512.14 5,567.95 5,624.33 5,681.28 5,738.80 5,796.90 5,855.60
726.05 673.51 620.45 566.84 512.69 457.99 402.74 346.93 290.56 233.61 176.09 117.98 59.29
66,519.94 61,278.57 55,984.13 50,636.09 45,233.89 39,777.00 34,264.86 28,696.90 23,072.57 17,391.30 11,652.50 5,855.60 0.00
0.00
89,893.12
EMI CHART Loan Amount Interest Period Moratorium Year
265000 EMI 12% Value after Moratorium : 60 0
Months
EMI
Principal
Interest
5914.89 265,000.00
1st
1 2 3 4 5 6 7 8 9 10 11 12
5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 70978.62
3231.76 2683.13 3264.48 2650.40 3297.53 2617.35 3330.92 2583.96 3364.65 2550.24 3398.71 2516.17 3433.13 2481.76 3467.89 2447.00 3503.00 2411.89 3538.47 2376.42 3574.29 2340.59 3610.48 2304.40 41015.32 29963.30
0 0 0 0 0 0 0 0 0 0 0 0
Outstanding 265000.00 261768.24 258503.76 255206.22 251875.30 248510.65 245111.94 241678.81 238210.92 234707.92 231169.46 227595.16 223984.68
2nd
13 14 15 16 17 18 19 20 21 22 23 24
5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 70978.62
3647.04 2267.84 3683.97 2230.92 3721.27 2193.62 3758.94 2155.94 3797.00 2117.88 3835.45 2079.44 3874.28 2040.60 3913.51 2001.38 3953.13 1961.75 3993.16 1921.73 4033.59 1881.30 4074.43 1840.45 46285.78 24692.85
0 0 0 0 0 0 0 0 0 0 0 0
220337.64 216653.67 212932.40 209173.46 205376.46 201541.01 197666.72 193753.21 189800.08 185806.92 181773.33 177698.90
3rd
25 26 27 28 29 30 31 32 33 34 35 36
5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 70978.62
4115.68 1799.20 4157.36 1757.53 4199.45 1715.44 4241.97 1672.92 4284.92 1629.97 4328.30 1586.58 4372.13 1542.76 4416.39 1498.49 4461.11 1453.77 4506.28 1408.61 4551.91 1362.98 4597.99 1316.89 52233.48 18745.14
0 0 0 0 0 0 0 0 0 0 0 0
173583.22 169425.86 165226.41 160984.44 156699.53 152371.22 147999.10 143582.70 139121.59 134615.31 130063.41 125465.42
4th
37 38 39 40 41 42 43 44 45 46 47 48
5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 70978.62
4644.55 1270.34 4691.57 1223.31 4739.08 1175.81 4787.06 1127.83 4835.53 1079.36 4884.49 1030.40 4933.94 980.94 4983.90 930.99 5034.36 880.52 5085.33 829.55 5136.82 778.06 5188.83 726.05 58945.47 12033.15
0 0 0 0 0 0 0 0 0 0 0 0
120820.87 116129.29 111390.22 106603.16 101767.63 96883.14 91949.20 86965.30 81930.94 76845.60 71708.78 66519.94
5th
49 50 51 52 53 54 55 56 57 58 59 60
5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 5914.89 70978.62
5241.37 5294.44 5348.05 5402.19 5456.89 5512.14 5567.95 5624.33 5681.28 5738.80 5796.90 5855.60 66519.94
0 0 0 0 0 0 0 0 0 0 0 0
61278.57 55984.13 50636.09 45233.89 39777.00 34264.86 28696.90 23072.57 17391.30 11652.50 5855.60 0.00
673.51 620.45 566.84 512.69 457.99 402.74 346.93 290.56 233.61 176.09 117.98 59.29 4458.68
Project Profile on Detergent Powder Making Unit. RAVI RAJ Ward No. 11, Near Upgraded Middle School, Narha, Tamaut Parsa, Murlliganj, Madhepura Statement Showing the Repayment of Term Loan & Working Capital: Term Loan Installme Principal Interest Outstandin nt Repayme @ g nt 11.00% Year 3.75 1 1.00 0.58 0.42 3.17 2 1.00 0.65 0.35 2.51 3 1.00 0.74 0.27 1.78 4 1.00 0.83 0.17 0.94 5 1.00 0.94 0.06 0.00 Working Capital Installme Principal Interest Outstandin nt Repayme @ g nt 11.00% Year 2.65 1 0.71 0.41 0.30 2.24 2 0.71 0.46 0.25 1.78 3 0.71 0.52 0.19 1.25 4 0.71 0.59 0.12 0.67 5 0.71 0.67 0.04 0.00 Statement Showing the Depreciation on Fixed Assets (Straight Line Method) Depreciation Ra 15% Book Depreciati Accumu Book Value on lated Value Year Year Expenses Depre. End Year Start 1 3.00 0.45 0.45 2.55 2 2.55 0.45 0.90 2.10 3 2.10 0.45 1.35 1.65 4 1.65 0.45 1.80 1.20 5 1.20 0.45 2.25 0.75 Depreciation Year Book Value Year Start 1 2 3 4
0.45 0.45 0.45 0.45
Signature of Promoter
5
0.45
Signature of Promoter
Installment on TL Installment on WC Principal Repayment on TL Principal Repayment on WC Interest on TL Interest on WC Outstanding of TL
1 1.00 0.71 0.58 0.41 0.42 0.30 3.17
2 1.00 0.71 0.65 0.46 0.35 0.25 2.51
3 1.00 0.71 0.74 0.52 0.27 0.19 1.78
4 1.00 0.71 0.83 0.59 0.17 0.12 0.94
5 1.00 0.71 0.94 0.67 0.06 0.04 0.00
OutStanding of WC
2.24
1.78
1.25
0.67
0.00
Depreciation
0.45
0.45
0.45
0.45
0.45
Project at a Glance 1 2
Name of the Unit/Borrower Name of the Entreprenuer
KUMAR SAH KUMAR SAH PAN - HOKPS2174L issued on 18.02.2017 9/15/1986 Age 33 Years Individual SRI UPENDRA SAH
3 4 5 6
Date of Birth Constitution (Legal Status) Father's Name Unit Address
7
Residential Address
Ward No. 7, Gangapura, Post - Gangapur, VIA - Murliganj, District - Madhepura, PIN - 852122 (Bihar)
8 9 10 11 12 13 14 15 16
Non Metric (Eight) Micro Enterprises Individual 5 Year Other Backward Caste 7563987910, 7033287742 Readymade Garments Making & Tailoring Units 5.00 ₹
17 18 19 20 21 22 23
Qualification Type Management Experience Category Contact No. Activit y / Product and By Product Cost of Project Rs. Means of Finance a Term Loan b Working Capital c Own Capital (Contribution) d Total Means of Finance (Add: (14 of a+b+c) Government Subsidy from KVIC Debt Service Coverage Ratio Pay Back Period Project Implementation Period Break Even Point Employment Major Raw Materials
24
Estimated Annual Revenue Turnover Rs.
₹
In the premises of Sikendra Yadav, Ward No. 9, Murliganj, Post - Murlgianj, District - Madhepura, PIN - 852122 (Bihar)
₹ ₹ ₹ ₹
2.85 1.90 0.25 5.00
₹
1.75 [35%] 2.65 [Average DSCR Net]
5
Years
31.58% 5 of both skilled and unskilled persons inclusive himself. The main raw materials & consumables required for the unit are various clothing and sewing materials etc. which is uses and made into finished product. 28.78 lacs KUMAR SAH
Date:
Sd/Proprietor
Project Profile on Readymade Garments Making and Tailoring Units KUMAR SAH Ward No. 7, Gangapur, Post - Gangapur, VIA - Murliganj, District - Madhepura, PIN - 852122 1
Executive Summary This report explore the feasibility of an activity of Readymade Garments Making and Tailoring Units. After analyzing initial start-up operating cost and projected revenues, it seems that Mr. KUMAR SAH has the potential of being a profitable bussiness opportunity in concern activity. This project is based on manufacturing garments such as shirts, trousers, tops, ladies suits, salwar kameez, blouse, petticoat and nighties and school dresses etc of various design as per requirement of business needs and sell it through own shop to customer and to the shopkeeper of nearby area. Market of such clothes is quite large and material required for making such clotes is also not a problem even on local level. Being in the field the promoter studied various aspects of the industry and now confidently came forward to establish a garments making unit for the people. Making of above stated item is very simple and easily manageable by promoter. The borrower Mr. KUMAR SAH intends to set up the unit in rented premises at Ward No. 9, Murliganj, District - Madhepura with a capacity to produce total of Rs. 30.71 lacs per annum. A wide potential market comes around the unt. There are a great number of garments shop and school in the Murliganj and near by areas through which the product can be sold in addition to direct sales through own shop with an aim to attain sales of Rs. 28.78 lakhs. This will rise in next projection year of operations from Rs. 30.71 lacs to Rs. ____ lacs
The unit has budget total projected sales from the finished garments of Rs. 30.71 lacs. The first year’s projected before tax Net Income is Rs. 4.08 lacs after accounting for Total Expenses of Rs. 1.60 only and Cost of Goods Sold for Rs. 10.08 lacs only. In addition to this the report explores sensitivities in demand and their resulting impacts on operations. For the business there will be a need for 4 full-time employee in addition to my full-time commitment and 1 staff for outside; This person would have 3 plus years experience (in the concerned field) and will be responsible for the manufacturing of various dresses and supply it as per business needs. 2
Introduction The unit will be start-up to manufacturing of readymade garments The unit is being set-up in rented premises. The Permanent Account Number (PAN) of the promoter is HOKPS2174L issued on 18/02/2017. The promoter also got a skill development training under KVIC from SBI RSETI, Madhepura. He apply for loan to State Bank of India under the PMEGP Scheme. In recent time such type of work has made rapid strides. The demand of the readymade garments is increasing day by day due to urbanization of the villages/cities. In the recent year the domestic demand has also been growing rapidly. The overall demand of clothing is gone up. The increasing level of people has in turn created demand for occasional and seasonal clothing. The report will take a holistic view of the business itself, competitors, and overall strategy of the unit. To start this business a loan will be taken out from SBI MURLIGANJ Branch and partially funded personally.
3
Business Overview, Products and Services
4
5
Garments is a basic need for every human being. Although there is a considerably big range under readymade clothes but here promoter shall deal ladies garments, school dresses and children wear. Market Potential This will be a manufacturing-oriented industry to to manufacture the readymade garments. As it is an item of daily use and necessity, there marketing will not be a problem. The local market is available for different types of products in garments. The promoter's good experience in the industry will do a major role and wide spread contacts with numerious educational institutions and shop can assure a stable market for the products. The unit will focus its efforts towards to client on specific occasion. So there is good scope for establishing the unit. Hence a sound market assured for the activity. Utmost care will be taken for the change of fashion and trend since they decide the sale of readymade garments day to day.
Target Production The promoter must aware of these manufacturing market in that area in which wishes to set-up the plant. So he manufacture the ladies garments & children wear etc. The annual production envisaged at 100% of the capacity utilization would be as follows. The capacity of the proposed unit has been estimated as under: Revenue From
Nos
Different Items
Charges unit
per Total
Revenue Turnover
Different Rate
Total 6
RAW MATERIAL REQUIREMENTS: The main raw materials for the unit are: Raw materials & consumables requirement for the unit are various clothing and sewing materials Fabrics, Appliques, Non Woven Carry Bags, Buttons, Yarns and other additives etc. They are easily available and care will be taken for the selection of the same. 7 PROCESS As is well-known, the basically the promoters and his team are cut to the fabrics proper sizes and shapes. These are stitched together as per specification. Thease are then interlocked, Buttons holes are made and stitched mannually. The finished products are then mannually ironed and packed.
8
Promoter and Key Personnel In the initial stages of the business there will be a need for 4 full time employee in addition to my full - time commitment, The staff will be working a mix of producing and supply work outside and will be responsible for the work related to the unit as per business needs. The promoter of the unit is Mr. KUMAR SAH. He is aged 33 years and is an enterprising and hard working men and also well experienced in the industry. He belongs from OBC Category. He has specialized in the field and is well known for it in the surrounding areas. He is capable of managing the unit. He has long experience in the industry and contacts with a lot of customers/consumers make him very confident of running and managing the unit profitability. He is a dynamic men a greater aspiration. The person would have 3+ years experience with an available portfolio that meets unit expectations. Also, must have experience in respect to concerned field. He would need to be able to build a rappor and lasting relationships with the client base and be outgoing and charismatic with the ability to handle the store front and be dependable.
The person would have 3+ years experience with an available portfolio that meets unit expectations. Also, must have experience in respect to concerned field. He would need to be able to build a rappor and lasting relationships with the client base and be outgoing and charismatic with the ability to handle the store front and be dependable.
9
Staff and labour (Manpower)
10
The promoter himself has a lot of experience in the field and is capable of managing the staff and labour force of the unit. Skilled and semi skilled workers locally available. The total staff strength is detailed in economics of the project. The unit will be operated in one shift. Location The unit intended to start in its rented premises of Sikendra Yadav at Ward No. 9, Murliganj. There are all necessary amenities for locating the unit. There will not be any problem for getting required power and communication facilities and is accessible. Therefore the location is highly suitable for the unit.
11
Equipment The details of equipment are enlisted in the economics of the project. They include embroidery machines, sewing machines, overlock machines, tools, furniture etc. The proposed equipment are selected from reputed machinery makers with utmost care.
12
Power The power is available from the State Electric Supply Corporation Grid and suitable measures adopted to use electricity. The annual consumption of power is estimated in economic of the project.
13
Pollution Control: However this unit will not create any pollution problems.
13
Source of Finance/Business Financing The unit will require an initial financing to start-up buy equipment and have the necessary cash flow for operations. A composite loan under PMEGP Scheme will be taken out from State Bank of India, MURLIGANJ Branch for a period requiring 5 year. The total outside fund is raised by way of loan to the tune of Rs. 2.85 lacs from Bank as Term Loan and Rs. 1.90 lacs as working capital loan. Rs. 0.25 lacs is raised by the promoter himself. He is financially sound and is able to raise fund according to the need. The Term Loan will be repaid within 5 years.
14
Conclusion The promoter of the unit is dynamic and result oriented men. The project has enough scope in nearby areas as the need for such types of business is increasing day by day. With the financial assistance the promoter will be able to establish the unit in schedule time. He plans to start the unit under MSME sector and can get subsidy to the tune of 35% under PMEGP of the industries department. On revealing the various aspect of the project and studying the financial and technical features of the scheme, it can be easily concluded that the project will be a great success.
15
Basis and Presumption
* * * * *
The project is based on single shift working of 8 hours a day and 300 working days per annum. The unit would setup in rented premises. The cost of equipment indicated in the profile refers to a particular make and prices are approximate to those prevailing at the time of preparation of the project profile. Capacity Utilization (C U) is 75% during first year, 80% during second year of operation, The unit is expected to achieve 90% capacity utilization from the third years onwards.
*
* * * *
The cost of packaging, forwarding tax etc and installation electrification of machienry, project cost, trial production, fees etc are considered under pre-operative expenses. Depreciation has been taken as @ 15% The provision made in respect of consumables, personnel and overhead etc., has been made at the prevailing rates and are approximate only. The rate of interest has been taken 11.00% on an average both for fixed investment and working capital. The salaries and wages, cost of raw material, utilities, rent of shed etc, are taken as per prevailing rates in this type of industry. These cost factors are likely to vary with time. The entrepreneur is expected to raise 5% of the capital as margin money. The cost of machinery and equipment refers to a particular make/model and the price is approximate. The Break Even Point (BEP) indicated is full capacity utilization. Operative period of the project has been considered as 5 years.
* * *
Critical Factors for the Project For the unit need professional management and approach as this is niche business category. For the unit require good distribution network and good contacts with consumers. The supplier has major need to easy access to surrounding area for timely delivery.
* * * * *
Government Approvals *
The unit will be requirement of MSME for Registration for setting up of unit. Training courses The promoter has take short term EDP (Entrepreneurship Development Programme) training of 10 days in regard of manufacturing of readymade garments and tailoring under PMEGP scheme from __________ to _____________ at SBI RSETI (Rural Self Employment Training Institute, Madhepura in Batch No. _________________. He obtained certificate, bearing no. ________ MIS Batch No. _____.
Address of Plant & Machinery Supplier Choudhary Enterprises (Deals in equipments of sewing machine etc). Madhepura (Bihar) Contact - +91 9471446004 GSTIN - 10ANJPK2237M1Z4 Quotation No. 46, Dated 18.03.2019
NIRMAL KUMAR
Sd/Proprietor Date:
Project Profile on Readymade Garments Making and Tailoring Units KUMAR SAH Ward No. 7, Gangapur, Post - Gangapur, VIA - Murliganj, District - Madhepura, PIN - 852122 Economics of the Project FIXED ASSETS Project Cost 1 Premises (owned) 2 Machinery and Equipment
3
4 5 6
:
0.03
Per Month
The following equipment are required for the functioning of the proposed unit. Their respective costs as per lowest quotation excluding taxes are as follows: Description Quantity Price ₹ Total Value ₹ a 3.00 3.00 Sewing Machine, Embroidery Machine, Overlock Machine, Pico Machine, Electric Iron, Motor Set, Measurement Scale Set etc. and including electrification charges, furniture and 0.00 miscellaneous others. 0.00 Total Cost of Equipment as per Quotation 3.00 Miscelaneous Fixed Assets a Electricification Charges @2% of the cost of machinery and equipment 0.00 b c Total of Furniture and Miscellaneous Others 0.00 d Total Fixed Assets (A) (2+3) 3.00
Preliminary & Pre-Operative Expenses Total Amount of Fixed Capital Required
(A)
0.00 3.00
₹
WORKING CAPITAL 6 Raw Material/Consumable Required Purchase
1.81
Various Clothing and Sewing Materials. 7
a b c d 8
Staff and Labour (Salary and Wages) Manpower required by the unit including experienced workers is locally available. The requirement and annual costs of manpower at the installed capacity is shown below: Category of Manpower Monthly Persons Total Cost Service Supervisor/Manager (Himself) 0.00 1 0.00 Skilled Worker 0.05 2 0.11 Outside Worker 0.04 2 0.08 Total Salary and Wages to Staff 0.19 The unit process to employ 5 Nos. in addition to me. Working Capital a Raw Material (Purchase) 1.81 b Salary and Wages to Staff and Labour 0.19 c Total Amount of Working Capital Required ₹ 2.00
11
Total Project Cost ₹ (Total Fund Required for the Project) Means of Finance (Source of Finance) Bank Finance (Composite Loan under PMEGP Scheme) 1 Term Loan [95% of the Total Fixed Capital Investment] 2 Working Capital [95% of the Total W.C Required] 3 Promoter's Contribution [5% of the Total Project Cost] Total Means of Finance ₹
12
Government Subsidy (entitled) from KVIC
9 10
5.00 4.75 2.85 1.90 0.25 5.00 35%
1.75
13
Debt/Equity Ratio
[10 of (1+2)/10 of (3+11)]
2.38
The Government subsidy under the scheme will be routed by KVIC through the identified Banks for eventual distribution to the beneficiaries/entrepreneurs in their Banks accounts. Plot Details - Ward No. 9, Murliganj, District - Madhepura. PIN - 852122 (Bihar). Khata No. 195 Kheshra No. 1451 Total Area 300 Sqft. Thana No. 266 *
Boundary of the Proposed Unit On the North - Nij, South - Road, West - Road and East - Nij
*
GST Taxes, Freight and other expenses will be paid by the borrower on purchase of plant, machinery and other equpment. Cost of land not included in project cost.
*
NIRMAL KUMAR
Sd/Proprietor Date:
Total Value ₹
Project Profile on Readymade Garments Making and Tailoring Units KUMAR SAH Ward No. 7, Gangapur, Post - Gangapur, VIA - Murliganj, District - Madhepura, PIN - 852122 Schedule of Sales Realization The monthly Sales realization is estimated at Rs. 2.11 lakh as under. Revenue by sale per month for the first year S. No Particulars 1 By Sale of different finished garments and tailoring etc.
2
Capacity in Rate ₹ Total Value ₹ Different Rate 2.56
Total
2.56
Raw Material Required Per Month [Purchase) ₹ Stainless Steel Sheet of various sizes, welding eletrodes, cutting blades, screws and other consumables.
1.81
1.81 3 Freight 4 Power and Fuel 5 Rent of Premises 6 Repairs to Premises 7 Repairs to Plant & Machinery 4 Salary and Wages 5 Travelling 6 Mobile and Telephone Exp. 7 Miscellaneous Expenses 8 Stationery Cost 9 Preliminary & Pre-Operative Expenses 11 Total (Add (4 to 10) WORKING CAPITAL PER MONTH
₹
KUMAR SAH
Sd/Proprietor Date:
0.02 0.02 0.03 0.01 0.01 0.19 0.01 0.01 0.04 0.01 0.00 0.33 2.14
Project Profile on Readymade Garments Making and Tailoring Units KUMAR SAH Ward No. 7, Gangapur, Post - Gangapur, VIA - Murliganj, District - Madhepura, PIN - 852122 Capacity Utilization of Manufacturing and Administrative Expenses Yearly Year Capacity Utilized (%) 1 Manufacturing Expenses c Raw Material Required Per Month b Freight c Power and Fuel d Rent of Premises e Repairs to Premises f Repairs to Plant & Machinery g Salary and Wages h Travelling i Mobile and Telephone Exp. j Miscellaneous Expenses k Stationery Cost l Preliminary & Pre-Operative Expenses 3 Total of Manufacturing and Administrative Exp
1 70%
2 75%
3 80%
4 85%
15.20 0.16 0.14 0.25 0.05 0.05 1.55 0.10 0.05 0.38 0.05 0.00 17.98
16.29 0.17 0.15 0.27 0.06 0.06 1.67 0.10 0.05 0.40 0.05 0.00 19.27
17.38 0.18 0.16 0.29 0.06 0.06 1.78 0.11 0.05 0.43 0.05 0.00 20.55
18.46 0.20 0.17 0.31 0.07 0.07 1.89 0.12 0.05 0.46 0.05 0.00 21.83
Assessment of Working Capital 1 2
3
₹
Sale (Annual Sales Forecasting) Cost of Production (Annual) Manufacturing Expenses c Raw Material b Freight c Power and Fuel d Rent of Premises e Repairs to Premises f Repairs to Plant & Machinery g Salary and Wages h Travelling i Mobile and Telephone Exp. j Miscellaneous Expenses k Stationery Cost l Preliminary & Pre-Operative Expenses Production Cost [2 of a+b+c+d+e]
₹
₹ ₹ ₹ ₹
KUMAR SAH
Sd/-
Proprietor Date:
5 95% 20.63 0.22 0.19 0.34 0.07 0.07 2.11 0.13 0.06 0.51 0.06 0.00 24.40
30.71
21.72 0.23 0.20 0.36 0.08 0.08 2.22 0.14 0.06 0.54 0.06 0.00 25.69
Project Profile on Readymade Garments Making and Tailoring Units KUMAR SAH Ward No. 7, Gangapur, Post - Gangapur, VIA - Murliganj, District - Madhepura, PIN - 852122 Profit and Loss Account (Projected) Year Capacity Utilized Revenue from operations 1 Sales/Gross receipts 2 Other income 3 Closing Stock of Finished Goods [Inventories] 4 Totals of credits to profit and loss account (1+2+3)
5 6 7 8 9 ### 11 ### ### ### ### ### ### ###
### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ###
DEBITS TO PROFIT AND LOSS ACCOUNT Opening Stock Purchases [Raw Materials including stores & other items use Freight Power & Fuel Rents (Premises) Repairs to Premises Repairs to Plant & Machinery Salaries & Wages Travelling Mobile & Telephone Expenses Miscellaneous Expenses Stationery Cost TOTAL Profit before interest, depreciation and taxes [PBIDT] [4-17] Interest on Bank Borrowing & Charges i Interest on TL ii Interest on Working Capital Operating Profit After Interest [18-19] Depreciation and amortisation. Profit before taxes PROVISIONS FOR TAX AND APPROPRIATIONS Profit after tax [PAT] [21-22] Net Profit/Loss [Annual) Balance carried to balance sheet Total [17+18(i+ii+20+24)] Net Profit/Sales [%] [1/24] Equity dividend paid-amt [Already paid+BS Prov]. Retained Profit [24-27] Return Profit/Net Profit [%] [28/24] Return on Investment [ROI] Return on Sales [24/1] Annual Contribution Break Even Point [BEP] Cash Accruals DSCR [Average Gross DSCR] Net DSCR Repayment of Composite Loan i Repayment of TL ii Repayment of Working Capital Loan on Demand
1 70%
2 75%
3 80%
4 85%
5 95%
21.50 0 1.50 23.00
23.03 0 2.87 25.90
24.57 0 3.95 28.52
26.10 0 4.80 30.90
29.17 0 5.22 34.39
0 15.20 0.16 0.14 0.25 0.05 0.05 1.55 0.10 0.05 0.38 0.05 17.98 5.01
1.50 16.29 0.17 0.15 0.27 0.06 0.06 1.67 0.10 0.05 0.40 0.05 20.77 5.13
2.87 17.38 0.18 0.16 0.29 0.06 0.06 1.78 0.11 0.05 0.43 0.05 23.42 5.10
3.95 18.46 0.20 0.17 0.31 0.07 0.07 1.89 0.12 0.05 0.46 0.05 25.78 5.12
4.80 20.63 0.22 0.19 0.34 0.07 0.07 2.11 0.13 0.06 0.51 0.06 29.20 5.19
0.42 0.30 4.29 0.45 3.84 0 3.84 3.84 23.00 5.60 0.35 3.49 91%
0.35 0.25 4.54 0.45 4.09 0 4.09 4.09 25.90 5.63 0.35 3.74 91%
0.27 0.19 4.64 0.45 4.19 0 4.19 4.19 28.52 5.86 0.35 3.84 92%
0.17 0.12 4.83 0.45 4.38 0 4.38 4.38 30.90 5.96 0.35 4.03 92%
0.06 0.04 5.08 0.45 4.63 0 4.63 4.63 34.39 6.30 0.35 4.28 92%
17.87 3.84 41.88 4.29 2.34 2.80
17.75
17.07
16.77
15.88
0.58 0.41
0.65 0.46
0.74 0.52
0.83 0.59
0.94 0.67
### Pay Back Period
5 Years
Profitability: Based on the sales turnover and the production expenses the profit would be Rs. 3.38 lakhs for the first year. The works out to a return on capital investment of ___% for the first year. The unit would break-even at about 31.58% of the rated capacity. The profitability basis and projections are indicative and on approximate basis only.
Selling General & Administrative Exp. Interest+Bank & Other charges
23.00
17.98 0.72 0.45 19.16
4.41 5.87 0.45 6.32
2.48 0.72
3.84
2.65 0.60
2.83 0.45
3.01 0.29
3.36 0.11
Project Profile on Readymade Garments Making and Tailoring Units KUMAR SAH Ward No. 7, Gangapur, Post - Gangapur, VIA - Murliganj, District - Madhepura, PIN - 852122 BALANCE SHEET [Projected]
1st Year Description Sources of Funds Proprietor's fund 1 Proprietor's capital [Own Contribution] 2 Add: Net Profit 3 Less; Withdrawals 4 Add: Reserves & Surplus 5 Total proprietor’s fund [1+2-3+4] 6 Loan funds i Term Loan O/s ii Working Capital O/s Total Loan Funds [6 of i+ii] 7 Sources of funds [5+6 of i+ii] Application of Funds Fixed assets 8 Gross: Block 9 Depreciation ### Net Block [8-9] Current assets, loans and advances Current assets 11 Inventories [Closing Stocks] ### Sundry Debtors ### Cash and Bank Balances ### Total current assets [Add: 11+12+13] Loans and advance ### Deposits,loans and advances to corporates and ### Total of current assets, loans and advances [14+ Current liabilities and provisions ### Sundry Creditor ### Net current assets [16-17] ### Total, application of funds [10+18]
At the end of the year 2nd Year 3rd Year 4th Year
5th Year
0.25 3.84 0.35 0 3.74
3.74 4.09 0.35 0 7.48
7.48 4.19 0.35 0 11.32
11.32 4.38 0.35 0 15.35
15.35 4.63 0.35 0 19.63
3.17 2.24 5.41 9.15
2.51 1.78 4.29 11.77
1.78 1.25 3.03 14.35
0.94 0.67 1.61 16.95
0.00 0.00 0.00 19.63
3.00 0.45 2.55
2.55 0.45 2.10
2.10 0.45 1.65
1.65 0.45 1.20
1.20 0.45 0.75
1.50 0.00 3.92 5.42
2.87 0.00 6.10 8.97
3.95 0.00 8.53 12.48
4.80 0.00 11.20 16.00
5.22 0.00 14.38 19.60
0.00 5.42
0.00 8.97
0.00 12.48
0.00 16.00
0.00 19.60
0 5.42 7.97 1.18
0 8.97 11.07 0.70
0 12.48 14.13 0.22
0 16.00 17.20 -0.25
0 19.60 20.35 -0.72
Singnature of Promoters
i. Commercial Viability 2020 2021 Capacity u 0 0 Sales 21.42 24.48 Net Profit 5.05 4.11 Depreciat 0.15 0.15 Interest 0.00 4.10 Amortise 0.00 0.00 TOTAL 5.20 8.36 TL / DPG 0.49 9.26 Interest 0.00 4.10 TOTAL 0.49 13.36 Gross D 10.61 0.63 Average 1.22 Net DSC 1.30
[Rs. in lacs]
2022 0 27.54 4.86 0.15 2.85 0.00 7.86 8.77 2.85 11.62 0.68
2023 0 27.54 5.05 0.15 2.03 0.00 7.23 3.39 2.03 5.42 1.33
2024 0 27.54 5.11 0.15 1.57 0.00 6.83 3.39 1.57 4.96 1.38
67800
BREAK EVEN ANALYSIS Installed capacity [per annum] Capacity utilisation [as % of IC] [A] Net Sales [B] Variable Expenses [C] Contribution [D] Fixed & Semi Variable Expenses Operating Profit Break Even Sales B.E.S. as % of Net Sales
2020
2021
2022
2023
2024
21.42 15.81 5.61 0.56 5.05
24.48 15.65 8.83 4.72 4.11
27.54 19.15 8.39 3.53 4.86
27.54 19.78 7.76 2.71 5.05
27.54 20.18 7.36 2.25 5.11
2.14 13.09 11.59 9.62 8.42 9.98% 53.45% 42.07% 34.92% 30.57%
Break Even at Installed Capacity B.E.at I.C. as % of Inst.Capacity. Cash Break Even at Installed Capacity
Cash B.E. at I.C.as % of I.C. Cash Break Even Sales Cash B.E.S. as % of Net Sales
1.57 12.67 11.09 9.09 7.86 7.31% 51.76% 40.29% 32.99% 28.53%
[Rs. in lacs] NIRMAL KUMAR PROFITABILITY ESTIMATION
Capacity Utilisation Net Sales Cost of Raw Materials[+consumables]
Power & Fuel Direct Labour Depreciation Other Mfg.expenses Op.stock-Cl.stock of SFG+FG
Cost of Production Selling, General & Administrative Exp.
Total Expenses Operating Profit/Loss Interest Net of Non-Operating Income/Expenses Expenses Ammortised [Misc.Exp.Written Off]
Profit before tax [PBT] Income Tax Profit after Tax [Net Profit]
Divedend paid / payable Retained Profit
2020 21.42 15.20 0.15 0.00 0.15 1.95 -1.81 15.64 0.41 16.05 5.37 0.32 0.00 0.00 5.05 0.00 5.05 0.18 4.87
2021
2022
2023
2024
2025
2026
24.48 17.38 0.17 0.00 0.15 2.24 -0.29 19.65 0.47 20.12 4.36 0.25 0.00 0.00 4.11 0.00 4.11 0.45 3.66
27.54 19.55 0.19 0.00 0.15 2.51 -0.45 21.95 0.53 22.48 5.06 0.20 0.00 0.00 4.86 0.00 4.86 0.45 4.41
27.54 19.55 0.19 0.00 0.15 2.51 -0.57 21.83 0.53 22.36 5.18 0.13 0.00 0.00 5.05 0.00 5.05 0.45 4.60
27.54 19.55 0.19 0.00 0.15 2.51 -0.55 21.85 0.53 22.38 5.16 0.05 0.00 0.00 5.11 0.00 5.11 0.45 4.66
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
DEBT SERVICE COVERAGE RATIO [NET]
Net Profit [Profit after Tax]
Add Depreciation Add Intangible Assets written off
Cash Accruals [A] T.L. Repayment obligation[B]
Existing Proposed DSCR [A/B] AVERAGE DSCR [NET]
2020 5.05 0.15 0.00 5.20 0.49 0.49 0.00
2021 4.11 0.15 0.00 4.26 9.26 5.87 3.39
2022 4.86 0.15 0.00 5.01 8.77 5.38 3.39
2023 5.05 0.15 0.00 5.20 3.39 0.00 3.39
2024 5.11 0.15 0.00 5.26 3.39 0.00 3.39
2025 0.00 0.00 0.00 0.00 3.39 0.00 3.39
2026 0.00 0.00 0.00 0.00 6.80 0.00 6.80
10.61 1.30
0.46
0.57
1.53
1.55
0.00
0.00
2020 5.20 0.00 0.00 0.00 5.20 0.49 0.49 0.00 0.00 0.00 0.00 0.49 10.61 1.22
2021 4.26 4.10 1.16 2.94 8.36 9.26 5.87 3.39 4.10 1.16 2.94 13.36 0.63
2022 5.01 2.85 0.37 2.48 7.86 8.77 5.38 3.39 2.85 0.37 2.48 11.62 0.68
2023 5.20 2.03 0.00 2.03 7.23 3.39 0.00 3.39 2.03 0.00 2.03 5.42 1.33
2024 5.26 1.57 0.00 1.57 6.83 3.39 0.00 3.39 1.57 0.00 1.57 4.96 1.38
2025 0.00 1.12 0.00 1.12 1.12 3.39 0.00 3.39 1.12 0.00 1.12 4.51 0.25
2026 0.00 0.59 0.00 0.59 0.59 6.80 0.00 6.80 0.59 0.00 0.59 7.39 0.08
DEBT SERVICE COVERAGE RATIO [GROSS]
Cash Accruals Interest on Term Loan
Existing Proposed [A] Total T.L. Repayment obligations
Existing Proposed Interest on Term Loan
Existing Proposed [B] Total DSGCR [A/B] AVERAGE DSCR[GROSS]
NIRMAL KUMAR
DEBT SERVICE COVERAGE RATIO PROJECT - [NET]
Net Profit [Profit After Tax]
Add Depreciation Add Intangible Assets Written Off
Cash Accruals [A] T.L. Repayment obligation[B]
DSCR [A/B] AVERAGE DSCR[NET - PROJECT]
2020 4.56 0.15 0.00 4.71 0.00 0.00 1.38
2021 -2.92 0.15 0.00 -2.77 3.39 -0.82
2022 -0.89 0.15 0.00 -0.74 3.39 -0.22
2023 5.05 0.15 0.00 5.20 3.39 1.53
2024 5.11 0.15 0.00 5.26 3.39 1.55
2025 0.00 0.00 0.00 0.00 3.39 0.00
2026 0.00 0.00 0.00 0.00 6.80 0.00
2020 4.71 0.00 4.71 0.00 0.00 0.00 0.00 1.26
2021 -2.77 2.94 0.17 3.39 2.94 6.33 0.03
2022 -0.74 2.48 1.74 3.39 2.48 5.87 0.30
2023 5.20 2.03 7.23 3.39 2.03 5.42 1.33
2024 5.26 1.57 6.83 3.39 1.57 4.96 1.38
2025 0.00 1.12 1.12 3.39 1.12 4.51 0.25
2026 0.00 0.59 0.59 6.80 0.59 7.39 0.08
DEBT SERVICE COVERAGE RATIO PROJECT - [GROSS]
Cash Accruals Interest on Term Loan
[A] Total T.L. Repayment obligations
Interest on Term Loan
[B] Total DSGCR [A/B] AVERAGE DSCR[GROSS - PROJECT]
PROJECTED BALANCE SHEET 2020 2021 2022 LIABILITIES Current Liabilities Bank bor 1.60 Sundry Cr 0.00 Term Loan 0.00 Provision 0.00 Other Curr 0.00 Total Cur 1.60 Term Loa 0.80 Other Lon 0.00 Total Ter 0.80 Capital 0.15 0.00 General Reserves Revaluat 0.00 Surplus i 4.87 Others 0.00 Total Ne 5.02 TOTAL LI 7.42
2023
2024
1.27 0.74 0.00 0.00 0.00 2.01 0.63 0.00 0.63 0.15 0.00 0.00 8.53 0.00 8.68 11.32
0.89 0.61 0.00 0.00 0.00 1.50 0.45 0.00 0.45 0.15 0.00 0.00 12.94 1.05 14.14 16.09
0.47 1.63 0.00 0.00 0.00 2.10 0.24 0.00 0.24 0.15 0.00 0.00 17.54 1.05 18.74 21.08
0.00 2.63 0.00 0.00 0.00 2.63 0.00 0.00 0.00 0.15 0.00 0.00 22.20 1.05 23.40 26.03
8.52 0.00 2.10 0.00 10.62 1.00 0.30 0.70 0.00 0.00 0.00 0.00 0.00 11.32
12.99 0.00 2.55 0.00 15.54 1.00 0.45 0.55 0.00 0.00 0.00 0.00 0.00 16.09
17.56 0.00 3.12 0.00 20.68 1.00 0.60 0.40 0.00 0.00 0.00 0.00 0.00 21.08
22.11 0.00 3.67 0.00 25.78 1.00 0.75 0.25 0.00 0.00 0.00 0.00 0.00 26.03
ASSETS Cash & B Sundry D Stock Other Cur Total Cu Gross Bl Depreciat Net Bloc Statutory Investmen Other Mis Total Mi Intangibl TOTAL A
4.76 0.00 1.81 0.00 6.57 1.00 0.15 0.85 0.00 0.00 0.00 0.00 0.00 7.42
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