PROJECT REPORT

1 Name of the Entreprenuer PARUL GOGOI

2 Constitution (legal Status) Individual :

3 Father's/Spouce's Name RANJAN GOGOI

4 Unit Address : LAKILY HABI GAON

BORHAT
Taluk/Block: SAPEKHATI
District : CHARAIDEO
Pin: 785693 State: ASSAM
E-Mail :
Mobile 8638000538
5 Product and By Product

6 Cost of Project : Rs. 1,75,000

Name of the project / business
E RIKSHOW DRIVING
activity proposed :
7 Means of Finance
Term Loan Rs. 1,15,000.00
KVIC Margin Money Rs. 60,000.00
Own Capital Rs. 60000.00

8 Debt Service :
Coverage Ratio

9 Pay Back Period : 2.5 Years

10 Project : 0 Months
Implementation
Period

11 Break Even Point :

12 Employment : 1

13 Power Requirement : 1

14 Major Raw materials : 1.00

15 Estimated Annual : Rs. 120000.00

Sales Turnover

Signature of the Beneficiary

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 2
3 COST OF PROJECT
A. Fixed Capital Investment
a. Land : 10000 Own

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

test 100 200.00 20000.00
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 20000.00
#REF!
C. Machinery Qty. Rate Amount in Rs.
te3st machinery 2 100.00 200.00
test 1 10 12.00 120.00
test 2 15 100.00 1500.00
test 5 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 1820.00

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 d. Preliminary & Pre-operative Cost : Rs. 10000.00

e. Furniture & Fixtures : Rs. 20000.00

f. Contingency/Others/Miscellaneous : Rs. 50000.00

Total Capital Expenditure : Rs. 101820.00

Working Capital : Rs. 611620.00

Total Cost Project : Rs. 713440.00

3.1 Means of Financing :

Own Contribution 5% Rs. 35672.00

Bank Finance : 95%

Term Loan Rs. 96729.00
Working Capital Rs. 581039.00

Total Rs. 677768.00

Margin Money (Govt. Subsidy) 25% Rs. 178360.00

Margin Money Subsidy received will be kept in term deposit as per norms of
CMEGP 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
1.00%
1st 96729 0 96729 967
2nd 96729 38692 58037 967
3rd 58037 38692 19346 580
4th 19346 38692 -19346 193
5th -19346 38692 -58037 -193
6th -58037 0 0 -580
7th 0 0 0 0
8th 0 0 0 0

WORKING CAPITAL

Interest @
Year Opening Balance Installment Closing Balance
1.00%
1st 581039 0 581039 5810
2nd 581039 232416 348623 5810
3rd 348623 232416 116208 3486
4th 116208 232416 -116208 1162
5th -116208 232416 -348623 -1162
6th -348623 0 0 -3486
7th 0 0 0 0
8th 0 0 0 0

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 3.3 STATEMENT SHOWING THE DEPRECIATION ON FIXED ASSETS:
WORKSHED @ 12.00%
Particulars 1st Year 2nd Year 3rd Year 4th Year 5th Year
Opening Balance 20000 17600 15488 13629 11994
Depreciation 2400 2112 1859 1636 1439
Closing Balance 17600 15488 13629 11994 10555
MACHINERY @ 1.00%
Opening Balance 1820 1802 1784 1766 1748
Depreciation 18 18 18 18 17
Closing Balance 1802 1784 1766 1748 1731
TOTAL DEPRECIATION
Workshed 2400 2112 1859 1636 1439
Machinery 18 18 18 18 17
Total 2418 2130 1876 1653 1457

4 Schedule of Sales Realization :

4.1 Details of Sales
Rate/ No. of Amount in Rs.
Particulars of Product
Pair/Unit Pair/Unit
0
wirutuisg 12.00 100 1200.00
test 12.00 500 6000.00
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 7200.00

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 5040 5760 6480 6480 6480

5 Rawmaterials :
Particulars Unit Rate/unit Reqd.Unit Amount in Rs.
RAW MATERIALS 10 13.00 1111 14443.00
test 10 15.00 1222 18330.00
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 32773.00
5.1 Wages :
No. of Wages Amount in Rs.
Particulars
Worker Per Month (Per Annum)
testkkkkoiijl 21 11000.00 2772000.00
wearwert 20 1000.00 240000.00
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 41 3012000.00

5.2 Repairs and Maintenance : Rs. 864.00

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 5.3 Power and Fuel : Rs. 936.00

5.4 Other Overhead Expenses : Rs. 1008.00

6 Administrative Expenses :
6.1 Salary
testyuyuu 5 10.00 600.00
sandy 10 20.00 2400.00
0 0 0.00 0.00
0 0.00 0.00
0 0.00 0.00
Total 15 3000.00

6.2 Telephone Expenses 1080.00

6.4 Stationery & Postage 864.00

6.5 Advertisement & Publicity 792.00

6.6 Workshed Rent 1200.00

6.7 Other Miscellaneous Expenses 648.00

Total 7584.00
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
Rawmaterials 22941 26218 29496 29496 29496
Wages 2108400 2409600 2710800 2710800 2710800
Repairs & Maintenance 605 691 778 778 778
Power & Fuel 655 749 842 842 842
Other Overhead Expenses 706 806 907 907 907
Administrative Expenses
Salary 3000 3000 3000 3000 3000
Postage Telephone Expenses 756 864 972 972 972
Stationery & Postage 605 691 778 778 778
Advertisement & Publicity 554 634 713 713 713
Workshed Rent 1200 1200 1200 1200 1200
Other Miscellaneous Expenses 454 518 583 583 583
Total: 2139876 2444972 2750069 2750069 2750069
8 Assessment of Working Capital :
Particulars Amount in Rs.
Sale 7200.00

Manufacturing Expenses
Raw Material 32773.00
Wages 3012000.00
Repair & Maintenance 864.00
Power & Fuel 936.00
Other Overhead Expenses 1008.00

Production Cost 3047581.00

Administrative Cost 7584.00
Manufacturing Cost 3055165.00

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 Working Capital Estimate :
Element of Working Capital No of Days Basis Amount in Rs.
2000 10 Material Cost 1092.00

Stock in process 20 Production Cost 203172.00

Finished goods 30 Manufacturing Cost 305517.00

Receivable by 10 Manufacturing Cost 101839.00

Total Working Capital Requirement Per Cycle 611620.00

9 Financial Analysis
9.1 Projected Profit & Loss Account :
Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
Sales / Receipts 5040 5760 6480 6480
5040 5760 6480 6480
Manufacturing Expenses
Rawmaterials 22941 26218 29496 29496
Wages 2108400 2409600 2710800 2710800
Repairs & Maintenance 605 691 778 778
Power & Fuel 655 749 842 842
Other Overhead Expenses 706 806 907 907
Depreciation 2418 2130 1876 1653
Production Cost 2135725 2440195 2744699 2744476
Administrative Expenses
Salary 3000 3150 3308 3473
Postage Telephone Expenses 756 864 972 972
Stationery & Postage 605 691 778 778
Advertisement & Publicity 554 634 713 713
Workshed Rent 1200 1200 1200 1200
Other Miscellaneous Expenses 454 518 583 583
Administrative Cost 6569 7057 7554 7719
Interest on Bank credit @ 1%
Term Loan 967 967 580 193
Working Capital Loan 5810 5810 3486 1162
Cost of Sale 2149071 2454030 2756320 2753550
Net Profit Before Tax -2144031 -2448270 -2749840 -2747070
Less Tax 0.00 0.00 0.00 0.00
Net Profit -2144031 -2448270 -2749840 -2747070

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 -2144031 -2448270 -2749840 -2747070
Add :
Depreciation 2418 2130 1876 1653
TOTAL - A -2141613 -2446140 -2747963 -2745417
Payments :
On Term Loan :
Interest 967 967 580 193
Installment 0 38692 38692 38692
On Working Capital
Interest 5810 5810 3486 1162
TOTAL - B 6778 45469 42758 40047
D.S.C.R = A/B
-315.98 -53.80 -64.27 -68.55
Average D.S.C.R

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 9.3 PROJECTED BALANCE SHEET :
Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
LIABILITIES :
Promoters Capital 35672 35672 35672 35672
Profit -2144031 -2448270 -2749840 -2747070
Term Loan 96729 96729 58037 19346
Working Capital Loan 581039 581039 348623 116208
Current Liabilities 0 0 0 0
Sundry Creditors 0 0 0 0
-1430591 -1734830 -2307507 -2575845
ASSETS :
Gross Fixed Assets : 41820 39402 37272 35395
Less : Depreciation 2418 2130 1876 1653
Net Fixed Assets 39402 37272 35395 33742
Preliminary & Pre-Op. Expenses 10000 7500 5625 4219
Current Assets 581039 581039 348623 116208
Cash in Bank/Hand -2051032 -2353140 -2691525 -2725795
Total -1430591 -1734830 -2307507 -2575845

9.4 CASH FLOW STATEMENT :

Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
Net Profit -2144031 -2448270 -2749840 -2747070
Add : Depreciation 2418 2130 1876 1653
Term Loan 96729 96729 58037 19346
Working Capital Loan 581039 581039 348623 116208
Promoters Capital 35672 0 0 0
Total -1428173 -1768372 -2341302 -2609863

Total Fixed Capital Invested 101820

Repayment of Term Loan 0 38692 38692 38692

Repayment of WC Loan 0 232416 232416 232416
Current Assets 581039 581039 348623 116208
Total 581039 852146 619731 387315

Opening Balance 0 -2009212 -4629730 -7590763

Surplus -2009212 -2620518 -2961033 -2997178
Closing Balance -2009212 -4629730 -7590763 -10587941

9.5 BREAK EVEN POINT AND RATIO ANALYSIS :

Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
Fixed Cost 9954 10155 10010 9565
Variable Cost 2141535 2446005 2748186 2745638
Total Cost 2151490 2456160 2758196 2755203

Sales 5040 5760 6480 6480

Contribution (Sales-VC) -2136495 -2440245 -2741706 -2739158

B.E.P in % -0.47% -0.42% -0.37% -0.35%

Break Even Sales in Rs. -23 -24 -24 -23

Break Even Units -2 -2 -2 -2

Current Ratio 85.73 2.09 1.27 0.43

Net Profit Ratio -42540.31% -42504.68% -42435.79% -42393.06%

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 This Project Report has been prepared based on the data furnished by the entrepreneur whose details are
given in the application.
Place :
Date:
Prepared by :
Full Name : PROJECT APPLICANT TEST

Signature of the Beneficiary

PMEGP Project Report Page 8