PROJECT REPORT

E ZONE 2 CSC CENTER

SHOP NO: 2, A M COMPLEX, TIPPU SULTAN CIRCLE MAIN ROAD

SADASHIVANAGAR, TUMAKURU - 572101

PROPRIETOR

Mr. SYED AJMAL PASHA

S/o SYED JAMSHEER

B H ROAD, ASHOKANAGAR, MARP POLICE QUARTERS

TUMAKURU – 572103
 INTRODUCTION
Common Service Centres

Common Service Centres (CSC) are physical facilities for delivering Government of India e-Services to
rural and remote locations where availability of computers and Internet was negligible or mostly absent.
They are multiple-services-single-point model for providing facilities for multiple transactions at a single
geographical location.

CSCs are the access points for delivery of essential public utility services, social welfare schemes,
healthcare, financial, education and agriculture services, apart from host of B2C services to citizens in
rural and remote areas of the country. It is a pan-India network catering to regional, geographic, linguistic
and cultural diversity of the country, thus enabling the Government's mandate of a socially, financially
and digitally inclusive society.

Objectives

Officially, the objectives of the CSC have been stated as follows:

 Access to information : all remote/ rural citizens

 Delivery of public services – G2C & B2C
 ICT for rural Empowerment of socially disadvantaged people for inclusive growth
 Access to quality education / skill upgradation
 Access to cost efficient & quality health services
 CSC as a change agent - To promote rural entrepreneurship, enable community participation and
effect collective action for social improvement

Through a collaborative framework, the objective of CSC is to integrate the twin goals of profit-making
and social services, into a sustainable business model for achieving rapid socio-economic change

Functions

The following types of services are expected to be provided at the CSCs:

1. G2C Communication - All G2C (Government to Consumer) Communication including Health,

Education, Agriculture, Human Resource Development, Employment, Fundamental Rights,
Disaster Warnings, RTI, etc.
 2. Information dissemination - Interactive kiosks, voice & Local Language Interface, including web
browsing
3. Edutainment - Including multi-functional space for group interaction, entertainment, training and
empowerment
4. eGovernance & eServices - Transactions like Market (eKrishi) Information, Banking, Insurance,
Travel, Post, eForms to request government services, etc.
5. C2G Kiosk - Grievances, complaints, requests and suggestions.
6. Financial Inclusion - Payment for NREGA, etc.
7. Healthcare - Telemedicine & remote health camps have also been envisaged as part of the CSC's
extended functionalities
8. Agriculture
9. Rural BPO

CSC 2.0 Scheme

Based on the assessment of CSC scheme, the Government launched the CSC 2.0 scheme in 2015 to
expand the outreach of CSCs to all Gram Panchayats across the country. Under CSC 2.0 scheme, at least
one CSC will be set up in each of the 2.5 lakh GPs across the country by 2019. CSCs functioning under
the existing scheme will also be strengthened and integrated with additional 1.5 lakh CSCs across the
country. CSC 2.0 scheme would consolidate service delivery through a universal technology platform,
thereby making e-services, particularly G2C services accessible to citizens anywhere in the country. The
CSC Grameen eStore App developed under CSC scheme is powered by MiGrocer.

Key Features of CSC 2.3 scheme

1. A self-sustaining network of 2.5 lakh CSCs in Gram Panchayats

2. Large bouquet of e-services through a single delivery platform
3. Standardization of services and capacity building of stakeholders
4. Localised Help Desk support
5. Sustainability of VLEs through maximum commission sharing
6. Encouraging more women as VLEs

Project components

The Project Components of the CSC consist primarily of Content & Services, Technology, Connectivity,
Capacity Building and Business Model.

Required CSC Infrastructure:

  Room/Building having a place of 100-150 Sq. Ft.
 Two PC's with UPS with 5 hours battery back-up or portable generator set.
 PC with licensed Operating System of Windows 7 or above.
 Two Printers. (Inkjet+ Laser)
 RAM having the minimum storage capacity of 2 GB
 Hard Disc Drive of at least 250 GB
 Digital Camera/ Web Cam
 Wired/ Wireless/V-SAT Connectivity
 Biometric/IRIS Authentication Scanner for Banking Services.
 CD/DVD Drive
 UPS Integration

History

The CSC project, which forms a strategic component of the National eGovernance Plan was approved in
September 2006. It is also one of the approved projects under the Integrated Mission Mode Projects of
the National eGovernance Plan. "CSC e-Governance Services India Limited" incorporated on 16 July
2009

The implementation of the CSC would be done in a Public–private partnership (PPP) model whereby the
total project cost of ₹5742 crores, over 4 years, would be shared between Government(30% equal to
₹1649 crores) and private finances (70% equal to ₹4093 crores). The split between central and state
government would be ₹856 crore and ₹793 crore respectively. As of 31st Jan 2011, 88,689 CSCs have
been rolled out in thirty-one States/UTs. 100% CSCs have been rolled out in 11 (Eleven) States
(Chandigarh, Delhi, Goa, Gujarat, Haryana, Jharkhand, Kerala, Manipur, Puducherry, Sikkim &
Tripura). More than 80% of the rollout has been completed in 6 States (Assam, Bihar, Madhya Pradesh,
Meghalaya, Mizoram, and West Bengal). In about 6 States (Chhattisgarh, Himachal Pradesh,
Maharashtra, Odisha, Tamil Nadu, and Uttarakhand) implementation of CSCs have crossed halfway
mark (more than 50%). It is expected that the rollout of 1,00,000 CSCs would be completed by March
2011.

Revenue support to Common Service Centres

It is envisaged that G2Cservices may take longer to be operational, hence the SCA (Service Centre
Agencies) are to be provided support in the form of “Guaranteed Provision of Revenue from
Governmental Services” over a period of four years, once the CSCs are certified as operational by the
SDA (State Designed Agency). The amount of revenue support is proposed to be 33.33% of the
normative value which works out to ₹3304 per CSC per month. This support is to be shared by the Union
and State Governments in equal ratio. However, the exact amount of support is to be arrived at through a
‘price discovery mechanism’ discovered through bids (not to exceed 50% of the normative value).

E-services

E-services (electronic services) are services which make use of information and communication
technologies (ICTs). The three main components of e-services are:

1. service provider;
2. service receiver; and
3. the channels of service delivery (i.e., technology).

For example, with respect to public e-service, public agencies are the service provider and citizens as
well as businesses are the service receiver. For public e-service the internet is the main channel of e-
service delivery while other classic channels (e.g. telephone, call center, public kiosk, mobile phone,
television) are also considered.

Since its inception in the late 1980s in Europe and formal introduction in 1993 by the US Government,
the term ‘E-Government’ has now become one of the recognized research domains especially in the
context of public policy and now has been rapidly gaining strategic importance in public sector
modernization. E-service is one of the branches of this domain and its attention has also been creeping up
among the practitioners and researchers.

E-service (or eservice) is a highly generic term, usually referring to

"The provision of services via the Internet (the prefix 'e' standing for ‘electronic’, as it does in
many other usages), thus e-Service may also include e-Commerce, although it may also include
non-commercial services (online), which is usually provided by the government." (Irma
Buntantan & G. David Garson, 2004: 169-170; Muhammad Rais & Nazariah, 2003: 59, 70-71).

"E-Service constitutes the online services available on the Internet, whereby a valid transaction
of buying and selling (procurement) is possible, as opposed to the traditional websites, whereby
only descriptive information are available, and no online transaction is made possible." (Jeong,
2007).

Importance of E-service

Lu (2001) identifies a number of benefits for e-services, some of these are:

  Accessing a greater customer base
 Broadening market reach
 Lowering of entry barrier to new markets and cost of acquiring new customers
 Alternative communication channel to customers
 Increasing services to customers
 Enhancing perceived company image
 Gaining competitive advantages
 Enhancing transparency
 Potential for increasing Customer knowledge

Importance and advantages of E-shopping

 E-shops are open 24 hours a day.

 There is no need to travel to the malls or wait at the checkout counters.
 There is usually a wide selection of goods and services.
 It is easy to compare prices and quality by using the E-shopping tool.
 Price reduction and discounts are electronically conveyed.

E-service domain

The term ‘e-service’ has many applications and can be found in many disciplines. The two dominant
application areas of e-services are:

1. E-business (or e-commerce): e-services mostly provided by businesses or non-government

organizations (NGOs) (private sector).
2. E-government: e-services provided by government to citizens or business (public sector is the
supply side).

The use and description of the e-service in this page will be limited to the context of e-government only
where of the e-service is usually associated with prefix 'public' as in "public e-services". In some cases,
we will have to describe aspects that are related to both fields like some conferences or journals which
cover the concept of e-service in both domains of e-government and e-business.

Architecture

Depending on the types of services, there are certain functionalities required in the certain layers of e-
service architectural framework, these include but are not limited to:
  Data layer (data sources),
 processing layers (customer service systems,
 management systems,
 data warehouse systems,
 integrated customer content systems),
 exchange layer (Enterprise Application Integration– EAI),
 interaction layer ( integrating e-services), and
 presentation layer (customer interface through which the web pages and e-services are linked).

Social, cultural and ethical implications of e-services

The perceived effectiveness of e-service can be influenced by public’s view of the social and cultural
implications of e-technologies and e-service.

Impacts on individuals’ rights and privacy – as more and more companies and government agencies use
technology to collect, store, and make accessible data on individuals, privacy concerns have grown.
Some companies monitor their employees' computer usage patterns in order to assess individual or
workgroup performance. Technological advancements are also making it much easier for businesses,
government and other individuals to obtain a great deal of information about an individual without their
knowledge. There is a growing concern that access to a wide range of information can be dangerous
within politically corrupt government agencies.

Impact on Jobs and Workplaces - in the early days of computers, management scientists anticipated that
computers would replace human decision-makers. However, despite significant technological advances,
this prediction is no longer a mainstream concern. At the current time, one of the concerns associated
with computer usage in any organization (including governments) is the health risk – such as injuries
related to working continuously on a computer keyboard. Government agencies are expected to work
with regulatory groups in order to avoid these problems.

Potential Impacts on Society – despite some economic benefits of ICT to individuals, there is evidence
that the computer literacy and access gap between the haves and have-nots may be increasing. Education
and information access are more than ever the keys to economic prosperity, yet access by individuals in
different countries is not equal - this social inequity has become known as the digital divide.

Impact on Social Interaction – advancements in ICT and e-Technology solutions have enabled many
government functions to become automated and information to be made available online. This is a
concern to those who place a high value on social interaction.
Information Security - technological advancements allow government agencies to collect, store and make
data available online to individuals and organizations. Citizens and businesses expect to be allowed to
access data in a flexible manner (at any time and from any location). Meeting these expectations comes
at a price to government agencies where it concerns managing information – more specifically, ease of
access; data integrity and accuracy; capacity planning to ensure the timely delivery of data to remote
(possibly mobile) sites; and managing the security of corporate and public information.
 PROJECT REPORT
1. Name of the Unit : E Zone 2 CSC Center
Shop No:2, A M Complex
Tippu Sultan Circle Main Road
Sadashivanagar, Tumakuru - 572101

2. Product : CSC Services and Online Services

3. Capacity of the Unit : 8.84 Lakhs. Turnover.

4. Size of the Unit : Tiny Industry

5. Construction : Proprietorship

6. Name and Address of the

Proprietor : Mr. Syed Ajmal Pasha S/o Syed Jamsheer
B H Road, Ashokanagar
MARP Police Quarters, Tumakuru - 572103

7. Means of Finance : Bank Loan - Rs 9,50,000.00

Own - Rs 50,000.00

Total - Rs. 10,00,000.00

8. Infrastructure Facility
a. Land : Existing Rented Land.

b. Building : Rented Building is Ready for use.

c. Electricity : Electrification is proposed.

d. Communication : The proposed location is having good

communication by road.

e. Human Resource : Required skilled workers are available.

 9. Inward Supplies : The Raw Materials are
 Printing Papers.
 Cartridges.
 Xerox Toners.
 Input accessories.
 Stationery etc.

Marketing :

Service Marketing Strategies

Introduction to Service Marketing Strategies

When service firms think of marketing strategies, they usually consider outbound and direct techniques
i.e. messages that are sent straight to your prospective customers and clients. The goal, in this approach,
is to be persuasive and compelling so that your audience responds to and engages with the service
offered.

These techniques will be undeniably in vogue as long as marketing exists. But service marketing
strategies have evolved over the years, especially after the arrival of digital marketing. The behavior of
service buyers has changed. They are more likely to carry out an internet search to find a service farm,
and probably read client reviews to evaluate their services.

This, in fact, has broadened the range of service marketing strategies at your disposal. Staying
competitive today means taking the fullest advantage of a variety of strategies.

But among all the service marketing strategies available in the hyper-competitive business environment
today, which ones will be the best for you? Let’s take a look at the 10 absolutely fundamental strategies
that will not only help your company stay relevant, but will also help you to surge ahead in competition.

Marketing Strategies for Service

1. Market Research

Research is the bedrock of all present-day marketing efforts. From marketplace to brand research,
exhaustive scientific studies can help you to take more informed decisions. It will lend you an objective
basis for service marketing and also extend valuable baselines to measure your results.
Research helps you to understand your customers better. Market research gives you an insight about how
your business processes are performing. You will know on what counts your company is performing and
what marketing strategy in service sectors you need to spruce up.

The impact of market research is obvious. Studies have revealed that firms carry out systematic research
regarding their prospect. Clients often grow 3-10 times faster and are up to twice more profitable than
peers who don’t carry out any research.

2. Niche strategy

One of the most important business considerations for service marketing is niche targeting and
specialization. Research has shown that some of the fastest growing service firms are specialists in a
carefully selected niche. The niche must be a sector of the industry which you thoroughly understand, a
space where you can become an undisputed leader and expert.

Specialization can make the all the difference to your marketing efforts. It defines what you do exactly
and distinguishes you among competition. Specialization is a differentiator which proves itself.

3. High performance website

In the professional service marketplace today, your company’s website will be one of the most important
asset. It’s more than just a digital billboard, as many companies believed in the past. A good website is at
the center of a service firm’s online presence as well as an info-rich projection of your expertise in the
marketplace.

The website is a major tool to build brand visibility. Prospective clients usually search online to hire
service providers. You must have an easily navigable website where people find all the information they
need and you land a better chance of winning a business. Besides, the website will help you to
demonstrate your expertise and grab better acceptability in the marketplace. It’s usually seen that around
80% of people hunt online for service marketing firms. The internet has also emerged as the commonest
source of all information.

When a visitor lands on your website, robust information and carefully devised offers can drive leads to
closer engagements. It eventually brings qualified business to you. The process to nurture leads via
content is shown below.
The second component of the website which you must consider is the design. Graphic and web designs
can greatly influence audience perception and aid recall, and intuitively and swiftly differentiate
business.

The power of a good website design is often undermined. This, in turn, gives a tremendous opportunity
to a company to set it apart from the rest of competition and convey the credibility that’s needed to drive
home the rewards.

The compatibility of your website over a wide range of devices is also important. These include
computers, androids, tabs, mobiles, and others. Responsive design, which allows a website to suit a
viewer’s device, has become one of the key features for business as more people are using mobile and
handheld devices for business. Google have already begun to rank websites that are “mobile friendly”
higher up the search results. Making a website responsive is now a necessity for service marketing firms.

4. Search engine optimization (SEO)

As already said before, the target audience must be able to land on your site without any problem. The
website must be effective in that way. And this were SEO comes in. So much is its importance in the
online service marketing puzzle that high-growth companies consider SEO as one of the most important
strategies available to drive traffic.

SEO is an always evolving, yet complex discipline. It comprises of two major components.

 Onsite SEO:

This technique uses targeted keywords for communicating the content of your website which will appeal
to your target audience. Keyword phases typically focus on the services that you offer and helps search
engines to come up with more relevant data to the searchers. And when the audience searches for some
insight on service area of your specialization, they’ll land on your website.

 Offsite SEO:

It takes the form of back-links to your website; wither via guest articles on other websites, or through
third-party engagement. These efforts increase the website’s authority as an acknowledged leader in your
area of interest.

As more relevant and high quality websites link to your sites, popular search engines will understand
your credibility, leading to higher rankings.
5. Social media

If you require more evidence about the relevance of social media for professional services, here’s some
info. More than 60% of all buyers check new service providers over the social media which makes it one
of the commonest used information sources than formal recommendations or referrals.

In fact, the nature of referrals has changed with the arrival of social media. A recent referral marketing
study found that nearly 17% of all expertise-based referrals are carried out on the basis of social media
interactions. Simply put, the social media acts as an accelerator to reach your expertise, reputation and
content to your target customers. It helps you to connect to valuable influencers and contacts, along with
monitoring your brand via social listing.

6. Advertising

There are several platforms on which you can advertise your service marketing firm. These commonly
include the following.

 Service Industry websites and publications

 Social media
 Google AdWords, search engine marketing (SEM), Yahoo, Bing and other portals.
 Retargeting: A cookie-based technology which uses a JavaScript code for anonymously following
your audience across the internet and serve relevant advertisements.

Advertising doesn’t merely promote your service marketing. It also plays a major role to drive content
downloads, thereby increasing both visibility and expertise.

Remember to use the various forms of advertising that best matches your professional service. Networks
like LinkedIn and other service industry oriented advertising, often works best. These networks allow to
directly target the appropriate customer segment which leads to more conversation, better click rates and
lower download cost.

SEM, on the other hand, is usually more expensive and harder to target for extending professional
services. Facebook advertisements, at the same time, could be less than effective because it is less used
by professional service customers than other similar networks.

It needs to be remembered at the same time that there are several variations of each type of
advertisement. A service marketing firm may find them somewhat successful depending upon the
advertisement purpose, budget, targeting or industry niche.
7. Referral service marketing

The nature of professional service referrals have changed over the years. This has impacted service
marketing strategy in a big way. It has been found out that more than 81% of service providers have
received referrals from people who were never a client.

But from where do all these referrals come from? Most of them come from the firm’s expertise or
reputation.

Content marketing can be used in connection with the tactics mentioned above. In this way you can build
goodwill for your brand and get widespread reputation for your specialized domain. You build a brand
recall among the audience that may not have worked with you. This, in turn, leads to more referral and
new business.

8. Marketing automation, CRM, and lead nurturing

 Marketing automation:

It replaces repetitive manual repetitive and high-touch manual processes with the automated ones. The
changeover is supported by technology. Automation brings together all the online service marketing
channels into a single centrally managed system to create, manage, and measuring campaigns and
programs.

Like any other technological tool, it’s important that you select the correct service marketing automation
software most suitable for your company. The complexity, scalability, and size of the solution must be a
good match for your requirements.

 CRM:

Another valuable software is the customer relationship management (CRM) system. A large number of
companies use CRMs for tracking and organizing client information and scouring opportunities. A CRM
module, in short, can help you to stay connected and organized, regardless of how complex your
operations become.

The CRM system functions as a database for all the connected information about clients and
opportunities, including detailed notes about interactions. Information can be keyed in, stored and
accessed by the staff as and when needed. It leads to the synchronization of efforts across various
departments in your firm.
  Lead nurturing:

CRM is not the end of bagging new clients. Remember the lead-nurturing funnel given in the diagram
earlier? The website is an important part of the puzzle. Email marketing is also equally important.
Analytics driven and targeted email service marketing campaigns help you deliver both hard and soft
offers for particular types of buyers, tailored to their demands. Drip email campaigns, on the other hand,
allow you to send targeted offers for segments in your audience over a particular period of time. It forges
a much closer engagement between the service provider and the client and educates via relevant and
successive offers and content.

9. Testing and optimization

Testing and optimization allows you to schedule your marketing efforts and take decisions based on hard
facts and not presumptions. While research is at the base of marketing, testing and optimization is a
continuous guide. Testing of marketing campaigns should never stop. But they can be adjusted according
to market demands.

 A/B testing of landing pages and emails:Using popular A/B tools like Unbounce or Optimizely,
learn which of the landing pages or emails most successfully convert users in various designs,
languages or other elements.
 Landing and email page rendering: Using tools like Email on Acid for testing the rendition of
pages on various platforms and devices, ensure they function as they are supposed to.

10. Analytics and reporting

It’s always important to analyze the proper metrics to measure results effectively. But you must have the
tools in place for collecting the accurate data. This includes social media, your website and SEO.

Among all others, Google Analytics is a crucial tool to measure and analyze the traffic landing on your
site. You can improve the SEO results with MOZ, while Hootsuite and similar tools can provide detailed
social media analytics.

Regular analyzing and testing will help you understand what’s working and what’s not. Use them wisely.
They will help you to turn service marketing efforts from an art to science.
 10. Basic Presumption : 1.The project is proposed to work 300 days per year
Single shift per day.
2. This unit is proposed to make turnover of 60%,
70%
And 80% of existing capacity and Stands in the
respective year.

11. Cost of the project : Amount in Rs.

a) Machineries and Devices : Rs. 2,88,900.00
b) Furniture & Fixtures : Rs. 1,27,000.00
c) Broadband and Internet : Rs. 30,000.00
d) Building Advance : Rs. 1,00,000.00
e) Electrification : Rs. 25,000.00
f) Promotional Cost : Rs. 45,000.00
g) Working Capital : Rs. 3,84,100.00
Rs. 10,00,000.00

a) Machineries and Devices

1. Computer (With Software) - 2 No’s X Rs. 49,700 each : Rs. 99,400.00
2. Printer (Color) (Epson) - 1 No’s X Rs. 14,700 each : Rs. 14,700.00
3. Printer (Black & White) (HP) - 1 No’s X Rs. 17,700 each : Rs. 17,700.00
4. Lamination Machine - 1 No’s X Rs. 3,800 each : Rs. 3,800.00
5. Copier (Xerox) (Canon) - 1 No’s X Rs. 87,800 each : Rs. 87,800.00
6. Spiral Binding Machine - 1 No’s X Rs. 4,500 each : Rs. 4,500.00
7. UPS (Inverter) - 1 No’s X Rs. 16,000 each : Rs. 16,000.00
8. Batteries - 3 No’s X Rs. 15,000 each : Rs. 45,000.00
Total - Rs. 2,88,900.00

b) Furniture & Fixtures

1. Furniture - Rs. 32,000.00
2. Fabrication - Rs. 45,000.00
3. Racks - Rs. 30,000.00
4. Flex & Boards - Rs. 20,000.00
Total - Rs. 1,27,000.00
c) Working Capital
1. Raw Materials

Description Amount

Printing Papers 50,000

Cartridges 16,000

Xerox Toners 28,000

Input Accessories 42,000

Stationeries etc. 1,04,100
Total 2,40,100

2. Labour & Welfare

a. Supervision (Self)
b. Labour charges of Skilled Labour : Rs. 1,20,000.00
(2 No’s X Rs. 5,000 per month)

3. Electricity Charges : Rs. 9,600.00

(Avg Rs. 800 per month)

4. Internet Charges : Rs. 14,400.00

(Avg Rs. 1200 per month)
 Statement of Turnover

Particulars Cost Profit Turnover

1st Year 592456.82 186400.00 778856.82

2nd Year 557471.24 260960.00 818431.24

3rd Year 544445.26 287056.00 831501.26

4th Year 540271.18 315761.00 856032.18

5th Year 539574.04 347337.76 886911.80

6th Year 540069.71 382071.54 922141.25

7th Year 540705.55 420278.69 960984.24

8th Year 551332.12 462306.56 1013638.68

Total 7068497.47
 Statement of Cost

Particulars Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8

Raw Materials 240100.00 252105.00 264710.25 277945.76 291843.05 306435.20 321756.96 337844.81

Labour & Welfare 120000.00 126000.00 132300.00 138915.00 145860.75 153153.79 160811.48 168852.05

Internet Charges 14400.00 14400.00 14400.00 14400.00 14400.00 14400.00 14400.00 14400.00

Interest 103091.82 91613.99 78833.30 64601.89 48755.07 31109.49 11460.96 0.00

Electricity Charges 9600.00 10080.00 10584.00 11113.20 11668.86 12252.30 12864.92 13508.16

Depreciation 105265.00 63272.25 43617.71 33295.33 27046.31 22718.93 19411.23 16727.09

Total 592456.82 557471.24 544445.26 540271.18 539574.04 540069.71 540705.55 551332.12

 Statement of Depreciation

Particulars Year 1 Year 2 Year 3

Gross Gross
Gross Value Depreciation Net Value Depreciation Net Value Depreciation Net Value
Value Value
Computer with
Software (Depn @ 99400.00 59640.00 39760.00 39760.00 23856.00 15904.00 15904.00 9542.40 6361.60
15%)
Printer Color (Depn @
14700.00 2205.00 12495.00 12495.00 1874.25 10620.75 10620.75 1593.11 9027.64
15%)

Printer Black & White

17700.00 2655.00 15045.00 15045.00 2256.75 12788.25 12788.25 1918.24 10870.01
(Depn @ 15%)

Lamination Machine
3800.00 570.00 3230.00 3230.00 484.50 2745.50 2745.50 411.83 2333.68
(Depn @ 15%)
Copier (Xerox
Machine) (Depn @ 87800.00 13170.00 74630.00 74630.00 11194.50 63435.50 63435.50 9515.33 53920.18
15%)
Spiral Binding
Machine (Depn @ 4500.00 675.00 3825.00 3825.00 573.75 3251.25 3251.25 487.69 2763.56
15%)
UPS (Inverter) (Depn
16000.00 2400.00 13600.00 13600.00 2040.00 11560.00 11560.00 1734.00 9826.00
@ 15%)

Batteries (Depn @
45000.00 6750.00 38250.00 38250.00 5737.50 32512.50 32512.50 4876.88 27635.63
15%)

Broadband & Internet

30000.00 4500.00 25500.00 25500.00 3825.00 21675.00 21675.00 3251.25 18423.75
(Depn @ 15%)
Furniture (Depn @
32000.00 3200.00 28800.00 28800.00 2880.00 25920.00 25920.00 2592.00 23328.00
10%)

Fabrication (Depn @
45000.00 4500.00 40500.00 40500.00 4050.00 36450.00 36450.00 3645.00 32805.00
10%)

Racks (Depn @ 10%) 30000.00 3000.00 27000.00 27000.00 2700.00 24300.00 24300.00 2430.00 21870.00

Flex & Boards (Depn

20000.00 2000.00 18000.00 18000.00 1800.00 16200.00 16200.00 1620.00 14580.00
@ 10%)

Total 445900.00 105265.00 340635.00 340635.00 63272.25 277362.75 277362.75 43617.71 233745.04

Particulars Year 4 Year 5 Year 6

Gross Gross
Gross Value Depreciation Net Value Depreciation Net Value Depreciation Net Value
Value Value
Computer with
Software (Depn @ 6361.60 3816.96 2544.64 2544.64 1526.78 1017.86 1017.86 610.71 407.14
15%)
Printer Color (Depn @
9027.64 1354.15 7673.49 7673.49 1151.02 6522.47 6522.47 978.37 5544.10
15%)

Printer Black & White

10870.01 1630.50 9239.51 9239.51 1385.93 7853.58 7853.58 1178.04 6675.55
(Depn @ 15%)

Lamination Machine
2333.68 350.05 1983.62 1983.62 297.54 1686.08 1686.08 252.91 1433.17
(Depn @ 15%)
Copier (Xerox
Machine) (Depn @ 53920.18 8088.03 45832.15 45832.15 6874.82 38957.33 38957.33 5843.60 33113.73
15%)
Spiral Binding
Machine (Depn @ 2763.56 414.53 2349.03 2349.03 352.35 1996.67 1996.67 299.50 1697.17
15%)
UPS (Inverter) (Depn
9826.00 1473.90 8352.10 8352.10 1252.82 7099.29 7099.29 1064.89 6034.39
@ 15%)

Batteries (Depn @
27635.63 4145.34 23490.28 23490.28 3523.54 19966.74 19966.74 2995.01 16971.73
15%)

Broadband & Internet

18423.75 2763.56 15660.19 15660.19 2349.03 13311.16 13311.16 1996.67 11314.49
(Depn @ 15%)

Furniture (Depn @
23328.00 2332.80 20995.20 20995.20 2099.52 18895.68 18895.68 1889.57 17006.11
10%)
Fabrication (Depn @
32805.00 3280.50 29524.50 29524.50 2952.45 26572.05 26572.05 2657.21 23914.85
10%)
Racks (Depn @ 10%) 21870.00 2187.00 19683.00 19683.00 1968.30 17714.70 17714.70 1771.47 15943.23
Flex & Boards (Depn
14580.00 1458.00 13122.00 13122.00 1312.20 11809.80 11809.80 1180.98 10628.82
@ 10%)

Total 233745.04 33295.33 200449.71 200449.71 27046.31 173403.40 173403.40 22718.93 150684.47

Particulars Year 7 Year 8

Gross
Gross Value Depreciation Net Value Depreciation Net Value
Value
Computer with
Software (Depn @ 407.14 244.29 162.86 162.86 97.71 65.14
15%)
Printer Color (Depn @
5544.10 831.61 4712.48 4712.48 706.87 4005.61
15%)

Printer Black & White

6675.55 1001.33 5674.21 5674.21 851.13 4823.08
(Depn @ 15%)

Lamination Machine
1433.17 214.98 1218.19 1218.19 182.73 1035.46
(Depn @ 15%)
Copier (Xerox
Machine) (Depn @ 33113.73 4967.06 28146.67 28146.67 4222.00 23924.67
15%)
Spiral Binding
Machine (Depn @ 1697.17 254.58 1442.60 1442.60 216.39 1226.21
15%)
UPS (Inverter) (Depn
6034.39 905.16 5129.23 5129.23 769.39 4359.85
@ 15%)
Batteries (Depn @
16971.73 2545.76 14425.97 14425.97 2163.90 12262.07
15%)
Broadband & Internet
11314.49 1697.17 9617.31 9617.31 1442.60 8174.72
(Depn @ 15%)
Furniture (Depn @
17006.11 1700.61 15305.50 15305.50 1530.55 13774.95
10%)
Fabrication (Depn @
23914.85 2391.48 21523.36 21523.36 2152.34 19371.02
10%)
Racks (Depn @ 10%) 15943.23 1594.32 14348.91 14348.91 1434.89 12914.02
Flex & Boards (Depn
10628.82 1062.88 9565.94 9565.94 956.59 8609.34
@ 10%)
Total 150684.47 19411.23 131273.23 131273.23 16727.09 114546.15
 Statement of Profit

Particulars Turnover Cost Profit

1st Year 778856.82 592456.82 186400.00

2nd Year 818431.24 557471.24 260960.00

3rd Year 831501.26 544445.26 287056.00

4th Year 856032.18 540271.18 315761.00

5th Year 886911.80 539574.04 347337.76

6th Year 922141.25 540069.71 382071.54

7th Year 960984.24 540705.55 420278.69

8th Year 1013638.68 551332.12 462306.56

Total 2662171.55
 Statement Showing Computation of Debt-Service Coverage Ratio

E Zone 2 CSC Center

Shop No: 2, A M Complex, Tippu Sultan Circle Main Road
Sadashivanagar, Tumakuru - 572101
Pro: Syed Ajmal Pasha Mob: 7353680864
Proposed Loan Amount: Rs. 10,00,000
Rate of Interest: 10.80%
Loan Tenure: 7 Years

Sl.No Particulars Base Year Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8

1 Revenue - 376553.00 395381.00 415150.00 435908.00 457703.00 480588.00 504617.00 529848.00

A. Net Profit - 186400.00 260960.00 287056.00 315761.60 347337.76 382071.54 420278.69 462306.56

Add: Non Operating Expenses

i. Interest on Existing Loan - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

ii. Interest on Proposed Loan - 103091.82 91613.99 78833.30 64601.89 48755.07 31109.49 11460.96 0.00

Total Interest - 103091.82 91613.99 78833.30 64601.89 48755.07 31109.49 11460.96 0.00

iii. Depreciation - 105265.00 63272.25 43617.71 33295.33 27046.31 22718.93 19411.23 16727.09
 Sub Total - 208356.82 154886.24 122451.01 97897.22 75801.38 53828.42 30872.19 16727.09

B. Operating Income: - 394756.82 415846.24 409507.01 413658.82 423139.14 435899.96 451150.88 479033.65

C. Debt Service

i. Principal of Existing Loan - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

ii. Principal of Proposed Loan - 101117.70 112595.53 125376.22 139607.63 155454.45 173100.03 192748.56 0.00

Sub Total - 101117.70 112595.53 125376.22 139607.63 155454.45 173100.03 192748.56 0.00

Add:iii. Interest on Existing Loan - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

iv. Interest on Proposed Loan - 103091.82 91613.99 78833.30 64601.89 48755.07 31109.49 11460.96 0.00

Sub Total - 103091.82 91613.99 78833.30 64601.89 48755.07 31109.49 11460.96 0.00

Debt Service - 204209.52 204209.52 204209.52 204209.52 204209.52 204209.52 204209.52 0.00

Loan Outstanding: 1482829 1278619.48 1074409.96 870200.44 665990.92 461781.40 257571.88 53362.36 0.00

D. DSCR (B/C) 1.93 2.04 2.01 2.03 2.07 2.13 2.21 -

Average DSCR for 7 Years 2.06

 DECLARATION

I do here by declare that all the information furnished in the report is true to
the best of my knowledge and belief.

Date: 21-02-2023

Place: Tumakuru (Syed Ajmal Pasha)