PROJECT AT A GLANCE - TOP SHEET

1 Name of the Beneficiary SUNITA SWALASIN

2 Constitution (legal Status) Individual

3 Father's/Spouce's Name RAMESH SWALSIN

4 Unit Address : AT- CHRISTIAN STREET, GANDAHATI

VILLAGE/POST- GANDAHATI
Taluk/Block: RAYAGADA
District : GAJAPATI
Pin: 761213 State: ODISHA
E-Mail : BKB8899@GMAIL.COM
Mobile 8917448384
5 Product and By Product

6 Cost of Project : Rs. 1,00,000

Name of the project / business READYMADE GARMENT MANUFACTURING
activity proposed :
7 Means of Finance
Term Loan Rs. 95,000.0
KVIC Margin Money Rs. 35,000.00
Own Capital Rs. 5000.00

8 Debt Service : 3.94

Coverage Ratio

9 Pay Back Period : 5 Years

10 Project : 1 Months
Implementation
Period
11 Break Even Point : 51.85%

12 Employment : 1

13 Power Requirement : 2kw

14 Major Raw materials : Readymade Garments,thread, bottom and other tailoring items,

15 Estimated Annual : Rs. 650000.00

Sales Turnover

PMEGP Project Report Page 1

 DETAILED PROJECT REPORT
1 INTRODUCTION :

2 ABOUT THE BENEFICIARY :

3 COST OF PROJECT
A. Fixed Capital Investment
a. Land : 0 Own

b. Workshed Area Sq.ft Rate in Rs. Amt. In Rs.

0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
Total 0.00
#REF!
C. Machinery Qty. Rate Amount in Rs.
Usha S2 Sewing Machine & tools 1 47526.00 47526.00
Foot Padal & other tailoring tools and equipments 1 22000.00 22000.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
Total 69526.00

PMEGP Project Report Page 2

 d. Preliminary & Pre-operative Cost : Rs. 3000.00

e. Furniture & Fixtures : Rs. 5000.00

f. Contingency/Others/Miscellaneous Rs. 0.00

Total Capital Expenditure : Rs. 77526.00

Working Capital : Rs. 22474.00

Total Cost Project : Rs. 100000.00

3.1 Means of Financing :

Own Contribution 5% Rs. 5000.00

Bank Finance : 95%

Term Loan Rs. 73650.00
Working Capital Rs. 21350.00

Total Rs. 95000.00

Margin Money (Govt. Subsidy) From KVIC 35% Rs. 35000.00

Margin Money Subsidy received From KVIC will be kept in term deposit as per norms of
PMEGP in the name of Beneficiary for three years in the financing branch.

3.2 STATEMENT SHOWING THE REPAYMENT OF TERM LOAN & WORKING CAPITAL :
TERM LOAN

Interest @
Year Opening Balance Installment Closing Balance 12.00%
1st 73650 1228 72423 8838
2nd 72423 14730 57693 8691
3rd 57693 14730 42963 6923
4th 42963 14730 28233 5156
5th 28233 14730 13503 3388
6th 13503 14730 0 1620
7th 0 0 0 0
8th 0 0 0 0

WORKING CAPITAL

Interest @
Year Opening Balance Installment Closing Balance 12.00%
1st 21350 356 20994 2562
2nd 20994 4270 16724 2519
3rd 16724 4270 12454 2007
4th 12454 4270 8184 1495
5th 8184 4270 3914 982
6th 3914 4270 0 470
7th 0 0 0 0
8th 0 0 0 0

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3.3 STATEMENT SHOWING THE DEPRECIATION ON FIXED ASSETS:
WORKSHED @ 10.00%
Particulars 1st Year 2nd Year 3rd Year 4th Year 5th Year
Opening Balance 0 0 0 0 0
Depreciation 0 0 0 0 0
Closing Balance 0 0 0 0 0
MACHINERY @ 20.00%
Opening Balance 69526 55621 44497 35597 28478
Depreciation 13905 11124 8899 7119 5696
Closing Balance 55621 44497 35597 28478 22782
TOTAL DEPRECIATION
Workshed 0 0 0 0 0
Machinery 13905 11124 8899 7119 5696
Total 13905 11124 8899 7119 5696

4 Schedule of Sales Realization :

4.1 Details of Sales
Rate/ No. of Amount in Rs.
Particulars of Product Pair/Unit Pair/Unit
0
RECEIPT FROM TRAILORING SERVICE 600.00 250 150000.00
sales from Readymade Garments 500.00 1000 500000.00
0 0.00 0 0.00
0 0.00 0 0.00
0 0.00 0 0.00
0 0.00 0 0.00
0 0.00 0 0.00
Total 650000.00

4.2 Capacity Utilization of Sales

Particulars 1st Year 2nd Year 3rd Year 4th Year 5th Year

Capacity Utilization 70% 80% 90% 90% 90%

Sales / Receipts 455000 520000 585000 585000 585000

5 Rawmaterials :
Particulars Unit Rate/unit Reqd.Unit Amount in Rs.
Readymade Garments Mtr 450.00 1000 450000.00
thread, bottom and other tailoring items box 200.00 250 50000.00
0 0 0.00 0 0.00
0 0 0.00 0 0.00
0 0 0.00 0 0.00
0 0 0.00 0 0.00
0 0 0.00 0 0.00
0 0 0.00 0 0.00
0 0 0.00 0 0.00
Total 500000.00
5.1 Wages :
No. of Wages Amount in Rs.
Particulars Worker Per Month (Per Annum)
Ladies Tailor 1 5000.00 60000.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
Total 1 60000.00

5.2 Repairs and Maintenance : Rs. 650.00

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5.3 Power and Fuel : Rs. 650.00

5.4 Other Overhead Expenses : Rs. 0.00

6 Administrative Expenses :
6.1 Salary
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0.00 0.00
0 0.00 0.00
Total 0 0.00

6.2 Telephone Expenses 650.00

6.4 Stationery & Postage 0.00

6.5 Advertisement & Publicity 650.00

6.6 Workshed Rent 0.00

6.7 Other Miscellaneous Expenses 0.00

Total 1300.00
7 Capacity Utilization of Manufacturing & Administrative Expenses :
Particulars 1st Year 2nd Year 3rd Year 4th Year 5th Year
Capacity Utilization 70% 80% 90% 90% 90%
Manufacturing Expenses
Raw materials 350000 400000 450000 450000 450000
Wages 42000 48000 54000 54000 54000
Repairs & Maintenance 455 520 585 585 585
Power & Fuel 455 520 585 585 585
Other Overhead Expenses 0 0 0 0 0
Administrative Expenses
Salary 0 0 0 0 0
Postage Telephone Expenses 455 520 585 585 585
Stationery & Postage 0 0 0 0 0
Advertisement & Publicity 455 520 585 585 585
Workshed Rent 0 0 0 0 0
Other Miscellaneous Expenses 0 0 0 0 0
Total: 393820 450080 506340 506340 506340
8 Assessment of Working Capital :
Particulars Amount in Rs.
Sale 650000.00

Manufacturing Expenses
Raw Material 500000.00
Wages 60000.00
Repair & Maintenance 650.00
Power & Fuel 650.00
Other Overhead Expenses 0.00

Production Cost 561300.00

Administrative Cost 1300.00
Manufacturing Cost 562600.00

PMEGP Project Report Page 5

 Working Capital Estimate :
Element of Working Capital No of Days Basis Amount in Rs.
0 0 Material Cost 0.00

Stock in process 7 Production Cost 13097.00

Finished goods 3 Manufacturing Cost 5626.00

Receivable by 2 Manufacturing Cost 3751.00

Total Working Capital Requirement Per Cycle 22474.00

9 Financial Analysis
9.1 Projected Profit & Loss Account :
Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
Sales / Receipts 455000 520000 585000 585000
455000 520000 585000 585000
Manufacturing Expenses
Raw materials 350000 400000 450000 450000
Wages 42000 48000 54000 54000
Repairs & Maintenance 455 520 585 585
Power & Fuel 455 520 585 585
Other Overhead Expenses 0 0 0 0
Depreciation 13905 11124 8899 7119
Production Cost 406815 460164 514069 512289
Administrative Expenses
Salary 0 0 0 0
Postage Telephone Expenses 455 520 585 585
Stationery & Postage 0 0 0 0
Advertisement & Publicity 455 520 585 585
Workshed Rent 0 0 0 0
Other Miscellaneous Expenses 0 0 0 0
Administrative Cost 910 1040 1170 1170
Interest on Bank credit @ 12%
Term Loan 8838 8691 6923 5156
Working Capital Loan 2562 2519 2007 1495
Cost of Sale 419125 472414 524169 520109
Net Profit Before Tax 35875 47586 60831 64891
Less Tax 0.00 0.00 0.00 0.00
Net Profit 35875 47586 60831 64891

9.2 CALCULATION OF DEBT SERVICE CREDIT RATIO (D.S.C.R) :

Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
Net Profit 35875 47586 60831 64891
Add :
Depreciation 13905 11124 8899 7119
TOTAL - A 49780 58710 69730 72010
Payments :
On Term Loan :
Interest 8838 8691 6923 5156
Installment 1228 14730 14730 14730
On Working Capital
Interest 2562 2519 2007 1495
TOTAL - B 12628 25940 23660 21380
D.S.C.R = A/B
3.94 2.26 2.95 3.37
Average D.S.C.R

PMEGP Project Report Page 6

9.3 PROJECTED BALANCE SHEET :
Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
LIABILITIES :
Beneficiary's Capital 5000 5000 5000 5000
Profit 35875 47586 60831 64891
Term Loan 73650 72423 57693 42963
Working Capital Loan 21350 20994 16724 12454
Current Liabilities 0 0 0 0
Sundry Creditors 0 0 0 0
135875 146003 140247 125307
ASSETS :
Gross Fixed Assets : 74526 60621 49497 40597
Less : Depreciation 13905 11124 8899 7119
Net Fixed Assets 60621 49497 40597 33478
Preliminary & Pre-Op. Expenses 3000 2250 1688 1266
Current Assets 21350 20994 16724 12454
Cash in Bank/Hand 53904 75512 82926 79375
Total 135875 146003 140247 125307

9.4 CASH FLOW STATEMENT :

Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
Net Profit 35875 47586 60831 64891
Add : Depreciation 13905 11124 8899 7119
Term Loan 73650 72423 57693 42963
Working Capital Loan 21350 20994 16724 12454
Beneficiary's Capital 5000 0 0 0
Total 149780 152127 144147 127427

Total Fixed Capital Invested 77526

Repayment of Term Loan 1228 14730 14730 14730

Repayment of WC Loan 356 4270 4270 4270
Current Assets 21350 20994 16724 12454
Total 22933 39994 35724 31454

Opening Balance 0 126847 238979 347402

Surplus 126847 112133 108423 95973
Closing Balance 126847 238979 347402 443374

9.5 BREAK EVEN POINT AND RATIO ANALYSIS :

Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
Fixed Cost 23653 20855 16992 13445
Variable Cost 409377 462683 516076 513784
Total Cost 433030 483538 533069 527229

Sales 455000 520000 585000 585000

Contribution (Sales-VC) 45623 57317 68924 71216

B.E.P in % 51.85% 36.39% 24.65% 18.88%

Break Even Sales in Rs. 235895 189204 144226 110443

Break Even Units 393 315 240 184

Current Ratio 1.64 0.69 0.60 0.49

Net Profit Ratio 7.88% 9.15% 10.40% 11.09%

PMEGP Project Report Page 7

 This Project Report has been prepared based on the data furnished by the beneficiary whose details are
given in the application.
Place :
Date:
Prepared by :
Full Name : SUNITA SWALASIN

Signature of the Beneficiary

PMEGP Project Report Page 8