PRADHAN MANTRI FORMALISATION OF MICRO FOOD

PROCESSING ENTERPRISE SCHEME

Application View
Application Id : 110211241288977

Name : PRITI KUMARI JAISWAL

Mother Name : SUNITA DEVI

Father/Spouse Name : MANISH JAISWAL

Gender : FEMALE

Date of Birth : 11-Jan-1989

Residential Address KALIBAGH BETTIAH

City: BETTIAH

State : BIHAR

District: PASHCHIM CHAMPARAN

Block/Taluka : BETTIAH

PINCODE : 845438

Email Address : DLT12CH@GMAIL.COM

Phone Number : 8862933336

Academic Qualification : 10TH PASS

Social Category : GENERAL

PAN Number :

DETAILS ABOUT THE PROPOSED BUSINESS UNIT

Name of the Proposed Enterprise Latitude 26.9999

Address of the Proposed Business KALIBAGH BETTIAH

Unit Longitude 84.8899

State BIHAR District PASHCHIM City: BETTIAH

CHAMPARAN
Block/Taluka BETTIAH PinCode : 845438 Legal Status :Sole Proprietorship
Type of Property Parental Number of New Employment the Proposed
Enterprises will Generate

Nature of Operations to be Carried out in the Proposed

Enterprises :
Total Available Land for Proposed Project(in Sq ft) : 300

Land Value of the Proposed Unit (In Rs/Sq ft) : 900

Personal Contribution Towards the Project(in %) : 10.00

Loan for Working Capital : Yes

Own Contribution on working capital (in %) 20.00

Yes

20.00
 PRODUCT DETAILS
Type of Proposed Product to be Manufactured : Food Products- Manufacturing
Type of Activities to be Involved while Manufacturing the Product : MANUFACTURING UNIT OF MUSTURD OIL

If Food Product, is the Product Manufactured same as ODOP Identified by State for the No
District?

If No, Other ODOP Products : Mustard Products

BANK DETAILS OF THE APPLICANT

Bank Name Branch Name IFSC Code Bank Account Number

HDFC BANK BETIAH HDFC0001648 0

HDFC BANK BETIAH HDFC0001648

BUILDING DETAILS
Type of Building Area (Sq. ft) Rate/Sq.ft (In Rs) Amount (In Rs)

MINOR CIVIL CONSTRUCTION 300 485 145,500

Total: 145,500

MACHINERY DETAILS
Type of Machinery Quantity/Number of Units Rate/Unit (In Rs) Amount(In Rs.)

PLANT AND MACHINERY WITH 1 1,850,000 1,850,000

GST
Total: 1,850,000

OTHER FINANCIAL DETAILS

Preliminary & Pre-operative Cost (in Rs) : 0.00

Furniture & Fixtures (in Rs): 0.00

Contingency/Others/Miscellaneous (in Rs) 0.00

:
SALES DETAILS
Type of Product Rate/Unit (In Number of Units of Amount(In Rs.)
Rs) Proposed Product Expected
MUSTURD OIL 160 18000 2,880,000

Total: 2,880,000

RAW MATERIALS
Name of the Raw Material Rate/Unit (In Reqd. Unit Amount(In
Rs) Rs.)
MUSTURD 45 24000 1,080,000

Total: 1,080,000

WAGES DETAILS
Type of Worker No. of Worker Wages Per Month Per Amount (In Rs)
Person (In Rs)

SKILLED 2 9,000 216,000

Total: 216,000

WORKING CAPITAL REQUIREMENTS FOR THE ENTERPRISE

Stock In Process (In Number of Days) 30

Finished Goods (In Number of Days) : 45

Receivable By (In Number of Days) : 70

MISCELLENEOUS EXPENDITURE

Repair and Maintenance (In %) : 0.00 Power and Fuel (In %) : 0.00

Other Overhead Expenses (In %): 0.00 Telephone Expenses (In %) : 0.00

Stationery & Postage (In %) : 0.00 Advertisement & Publicity (In %): 0.00

Building Rent per Month(In Rs.) : 0.00 Other Miscellaneous Expenditure (In %) 0.00

DEPRECIATION DETAILS
On Building (In %) : 10.00 On Machinery (In %) : 15.00

OTHER DETAILS
Loan Repayment Period (in Years) : 7.00 Project Implementation Period (In 7.00
Months):
Rate of Interest (In %): 11.00 Employment : 2.00

PROJECTED FINANCIAL
COST OF PROJECT
Land Land Value Ownership

LAND 900 Parental

Workshed Area/Sq.ft Rate(In Rs.). Amt.(In Rs)

300 485.00 145,500.00

Total 145,500.00

Machinery Qty. Rate. Amt.(In Rs)

PLANT AND MACHINERY WITH 1.00 1,850,000.00 1,850,000.00

GST
Total 1,850,000.00

Preliminary & Pre- Furniture & Contingency/Oth Total Capital Working Capital
operative Cost Fixtures ers/Miscellaneou Expenditure

0.00 0.00 0.00 1,995,500.00 626,400.00

"Means of Financing(Term Loan)"

Own Contribution 10.00 % Rs 199,550.00

Bank Finance 90.00 % Rs

Term Loan Rs 1,795,950.00

Govt. Subsidy 35.00 % Rs 698,425.00

Means of Financing(Working Capital)

Own Contribution 20.00 % Rs 125,280.00

Bank Finance 80.00 % Rs

Working Capital Rs 501,120.00

 Term Loan
Year Opening Installment Closing Balance Interest
Balance
1 1795950.00 149662.50 1646287.50 197554.50

2 1646287.50 256564.29 1389723.21 181091.63

3 1389723.21 256564.29 1133158.92 152869.55

4 1133158.92 256564.29 876594.63 124647.48

5 876594.63 256564.29 620030.34 96425.41

6 620030.34 256564.29 363466.05 68203.34

7 363466.05 256564.29 106901.76 39981.27

8 106901.76 256564.29 0 11759.19

Working Capital
Year Opening Installment Closing Balance Interest
Balance
1 501,120.00 41,760.00 459,360.00 55,123.20

2 459,360.00 71,588.57 387,771.43 50,529.60

3 387,771.43 71,588.57 316,182.86 42,654.86

4 316,182.86 71,588.57 244,594.29 34,780.11

5 244,594.29 71,588.57 173,005.72 26,905.37

6 173,005.72 71,588.57 101,417.15 19,030.63

7 101,417.15 71,588.57 29,828.58 11,155.89

8 29,828.58 71,588.57 0.00 3,281.14

Statement Showing the Depreciation on Fixed Assets

WORK SHED
Particula 1st Year 2nd Year 3rd Year 4th Year 5th Year 6th Year 7th Year 8th Year 9th Year 10th
rs Year
Opening 145500.00 130950.00 117855.00 106069.50 95462.55 85916.29 77324.66 69592.19 62632.97 56369.67
Balance
Depreciatio 14550.00 13095.00 11785.50 10606.95 9546.26 8591.63 7732.47 6959.22 6263.30 5636.97
n
Closing 130950.00 117855.00 106069.50 95462.55 85916.29 77324.66 69592.19 62632.97 56369.67 50732.70
Balance

MACHINERY
Particula 1st Year 2nd Year 3rd Year 4th Year 5th Year 6th Year 7th Year 8th Year 9th Year 10th
rs Year
Opening 1850000.00 1572500.00 1336625.00 1136131.25 965711.56 820854.83 697726.61 593067.62 504107.48 428491.36
Balance
Depreciatio 277500.00 235875.00 200493.75 170419.69 144856.73 123128.22 104658.99 88960.14 75616.12 64273.70
n
Closing 1572500.00 1336625.00 1136131.25 965711.56 820854.83 697726.61 593067.62 504107.48 428491.36 364217.66
Balance

TOTAL DEPRECIATION
Particula 1st Year 2nd Year 3rd Year 4th Year 5th Year 6th Year 7th Year 8th Year 9th Year 10th
rs Year
WorkShed 14550.00 13095.00 11785.50 10606.95 9546.26 8591.63 7732.47 6959.22 6263.30 5636.97

Machinery 277500.00 235875.00 200493.75 170419.69 144856.73 123128.22 104658.99 88960.14 75616.12 64273.70
 Total 292050.00 248970.00 212279.25 181026.64 154402.99 131719.85 112391.46 95919.36 81879.42 69910.67

Schedule of Sales Realization

DETAILS OF PROJECTED SALES
Particulars of Product Rate/Pair/Unit No. of Pair/Unit Amount in Rs

MUSTURD OIL 160 18,000.00 2,880,000.00

CAPACITY UTILIZATION OF SALES

Particulars 1st Year 2nd Year 3rd Year 4th Year 5th Year 6th Year 7th Year 8th Year 9th Year 10th Year

CAPACITY 70.00 % 80.00 % 90.00 % 90.00 % 90.00 % 90.00 % 90.00 % 90.00 % 90.00 % 90.00 %
UTILIZATION

SALES / RECEIPTS 2016000.00 2304000.00 2592000.00 2592000.00 2592000.00 2592000.00 2592000.00 2592000.0 2592000.0 2592000.0
0 0 0

Raw Materials
Particulars Unit Rate/unit Reqd.Unit Amount in Rs.

MUSTURD 0 45 24,000 1,080,000.00

Total 1,080,000.00

WAGES
Particulars No. of Worker Wages Per Month Amount (In Rs.)

Skilled 2 9,000 216,000.00

Total 2 216000.0

Repairs and Maintenance Rs 0.00

Power and Fuel Rs 0.00

Other Overhead Expenses Rs 0.00

ADMINISTRATIVE EXPENSES

Telephone Expenses 0.00

Stationery & Postage 0.00

Advertisement & Publicity 0.00

Workshed Rent 0.00

Other Miscellaneous Expenses 0.00

Total 0.00

Capacity Utilization of Manufacturing & Administrative Expenses

Particulars 1st Year 2nd Year 3rd Year 4th Year 5th Year 6th Year 7th Year 8th Year 9th Year 10th Year

Particulars 70.00 % 80.00 % 90.00 % 90.00 % 90.00 % 90.00 % 90.00 % 90.00 % 90.00 % 90.00 %

MANUFACTURING EXPENSES
Rawmaterials 756000.00 864000.00 972000.00 972000.00 972000.00 972000.00 972000.00 972000.00 972000.00 972000.00

Wages 151200.00 172800.00 194400.00 194400.00 194400.00 194400.00 194400.00 194400.00 194400.00 194400.00

Repairs & Maintenance 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Power & Fuel 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Other Overhead 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Expenses

ADMINISTRATIVE EXPENSES
Salary 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Postage Telephone 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Expenses
Stationery & Postage 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Advertisement & 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Publicity

Workshed Rent 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Other Miscellaneous 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Expenses

Total: 907200.00 1036800.0 1166400. 1166400.0 1166400.0 1166400.0 1166400.0 1166400. 1166400.0 1166400.0
0 00 0 0 0 0 00 0 0

Assessment of Working Capital

Particulars Amount in Rs.

Sale 2880000.00

MANUFACTURING EXPENSES
Raw Material 1080000.00

Wages 216000.00

Repair & Maintenance 0.00

Power & Fuel 0.00

Other Overhead Expenses 0.00

Production Cost 1296000.00

Administrative Cost 0.00
Manufacturing Cost 1296000.00

Working Capital Estimate

Element of Working Capital No of Days Basis Amount in Rs.

0 0 Material Cost 0.00

Stock in process 30 Production Cost 129600.00

Finished goods 45 Manufacturing Cost 194400.00

 Receivable by 70 Manufacturing Cost 302400.00

Total Working Capital Requirement Per Cycle 626400.00

Profit & Loss Account

Particulars 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year

Sales / Receipts 2016000.0 2304000.0 2592000.0 2592000.0 2592000.0 2592000.0 2592000.0 2592000.0 2592000.0 2592000.0
0 0 0 0 0 0 0 0 0 0
Total 2016000.0 2304000.0 2592000.0 2592000.0 2592000.0 2592000.0 2592000.0 2592000.0 2592000.0 2592000.0
0 0 0 0 0 0 0 0 0 0

MANUFACTURING EXPENSES
Rawmaterials 756000.00 864000.00 972000.00 972000.00 972000.00 972000.00 972000.00 972000.00 972000.00 972000.00

Wages 151200.00 172800.00 194400.00 194400.00 194400.00 194400.00 194400.00 194400.00 194400.00 194400.00

Repairs & 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Maintenance
Power & Fuel 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Other Overhead 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Expenses
Depreciation 292050.00 248970.00 212279.25 181026.64 154402.99 131719.85 112391.46 95919.36 81879.42 69910.67

Production 1199250. 1285770.0 1378679.2 1347426. 1320802.9 1298119. 1278791.4 1262319.3 1248279. 1236310.6
00 0 5 64 9 85 6 6 42 7
Cost

ADMINISTRATIVE EXPENSES
Salary 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Postage Telephone 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Expenses

Stationery & Postage 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Advertisement & 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Publicity

Workshed Rent 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Other 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Miscellaneous

Administrative 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Cost

Interest on Bank credit

Term Loan 197554.50 181091.63 152869.55 124647.48 96425.41 68203.34 39981.27 11759.19 0 0

Working Capital 55123.20 50529.60 42654.86 34780.11 26905.37 19030.63 11155.89 3281.14 0 0
Loan
Cost of Sale 1451927. 1517391.2 1574203.6 1506854. 1444133.7 1385353.8 1329928.6 1277359.6 1248279. 1236310.
70 3 6 23 7 2 2 9 42 67
Net Profit Before 564072.30 786608.77 1017796.3 1085145.7 1147866.23 1206646.18 1262071.38 1314640.3 1343720.5 1355689.3
Tax 4 7 1 8 3

Less Tax 0 0.00 0 0 0.00 0.00 0.00 0.00 0.00

Net Profit 564072.3 786608.77 1017796.3 1085145. 1147866.2 1206646.1 1262071.3 1314640.3 1343720. 1355689.
0 4 77 3 8 8 1 58 33

Calculation of Debt Service Credit Ratio

Particulars 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year
Net Profit 564072.30 786608.77 1017796.3 1085145.7 1147866.23 1206646.1 1262071.38 1314640.3 1343720.5 1355689.33
4 7 8 1 8
Add :

Depreciation 292050.00 248970.00 212279.25 181026.64 154402.99 131719.85 112391.46 95919.36 81879.42 69910.67

TOTAL - A 856122.3 1035578.7 1230075.5 1266172. 1302269.2 1338366. 1374462.8 1410559.6 1425600. 1425600.0
0 7 9 41 2 03 4 7 00 0
 Payments :
On Term Loan :
Interest 197554.50 181091.63 152869.55 124647.48 96425.41 68203.34 39981.27 11759.19 0 0

Installment 149662.50 256564.29 256564.29 256564.29 256564.29 256564.29 256564.29 256564.29 0 0

On Working Capital
Interest 55123.20 50529.60 42654.86 34780.11 26905.37 19030.63 11155.89 3281.14 0 0

TOTAL - B 402340.2 488185.52 452088.70 415991.8 379895.07 343798.2 307701.45 271604.62 0.00 0.00
0 8 6
Average D.S.C. 2.13 2.12 2.72 3.04 3.43 3.89 4.47 5.19 0 0
R

Balance Sheet
LIABILITIES
Particulars 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year

Promoters 324830.00 324830.00 324830.00 324830.00 324830.00 324830.00 324830.00 324830.00 324830.00 324830.00

Profit 564072.30 786608.77 1017796.3 1085145.7 1147866.23 1206646.18 1262071.3 1314640.3 1343720.58 1355689.3
4 7 8 1 3
Term Loan 1795950.0 1646287.50 1389723.2 1133158.9 876594.63 620030.34 363466.05 106901.76 0 0
0 1 2
Working Capital 501120.00 459360.00 387771.43 316182.86 244594.29 173005.72 101417.15 29828.58 0 0

Current Liabilities 0 0 0 0 0 0 0 0 0 0

Sundry 0 0 0 0 0 0 0 0 0 0

Total 3185972. 3217086.2 3120120.9 2859317. 2593885.1 2324512.2 2051784.5 1776200. 1668550.5 1680519.
30 7 8 55 5 4 8 65 8 33

ASSETS

Gross Fixed 1995500.0 1703450.00 1454480.0 1242200.7 1061174.11 906771.12 775051.27 662659.81 566740.45 484861.03
0 0 5
Less : 292050.00 248970.00 212279.25 181026.64 154402.99 131719.85 112391.46 95919.36 81879.42 69910.67

Net Fixed Assets 1703450.0 1454480.00 1242200.7 1061174.1 906771.12 775051.27 662659.81 566740.45 484861.03 414950.36
0 5 1
Preliminary & 0 0 0 0 0 0 0 0 0 0
Pre-Op. Expenses
Current Assets 501120.00 459360.00 387771.43 316182.86 244594.29 173005.72 101417.15 29828.58 0 0

Cash in Bank/Hand 981402.3 1303246.2 1490148.8 1481960. 1442519.7 1376455.2 1287707.6 1179631. 1183689.5 1265568.
0 7 0 58 4 5 2 62 5 97
Total 3185972.30 3217086.27 3120120.98 2859317.55 2593885.15 2324512.24 2051784.58 1776200.65 1668550.58 1680519.33

Cash Flow Statement

Particulars 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year

Net Profit 564072.30 786608.77 1017796.3 1085145.7 1147866.23 1206646.1 1262071.38 1314640.3 1343720.5 1355689.3
4 7 8 1 8 3
Add : Depreciation 292050.00 248970.00 212279.25 181026.64 154402.99 131719.85 112391.46 95919.36 81879.42 69910.67

Term Loan 1795950.0 1646287.50 1389723.2 1133158.9 876594.63 620030.34 363466.05 106901.76 0 0
0 1 2
Working Capital 501120.00 459360.00 387771.43 316182.86 244594.29 173005.72 101417.15 29828.58 0 0
Loan
Promoters 324830.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Total 3415382.3 3141226.2 3007570.2 2715514. 2423458.1 2131402.0 1839346.0 1547290.0 1425600. 1425600.0
0 7 3 19 4 9 4 1 00 0
Total Fixed 1995500
 Repayment of 149662.50 256564.29 256564.29 256564.29 256564.29 256564.29 256564.29 256564.29 0 0
Term Loan
Repayment of 41760.00 71588.57 71588.57 71588.57 71588.57 71588.57 71588.57 71588.57 0 0
WC Loan
Current Assets 501120.00 459360.00 387771.43 316182.86 244594.29 173005.72 101417.15 29828.58 0 0

692542.50 787512.86 715924.29 644335.7 572747.15 501158.58 429570.01 357981.44 0.00 0.00
Total 2
Opening Balance 0 2722839.80 5076553.2 7368199.1 9439377.62 11290088. 12920332.1 14330108. 15519416. 16945016.
1 5 61 2 15 72 72
Surplus 2722839.8 2353713.41 2291645.9 2071178.4 1850710.99 1630243.5 1409776.03 1189308.5 1425600.0 1425600.0
0 4 7 1 7 0 0
Closing 2722839.8 5076553.2 7368199.1 9439377. 11290088. 12920332. 14330108. 15519416. 16945016 18370616.
0 1 5 62 61 12 15 72 .72 72
Balance

Break Even Point and Ratio Analysis

Particulars 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year

Fixed Cost 489604.50 430061.63 365148.80 305674.12 250828.40 199923.19 152372.73 107678.55 81879.42 69910.67

Variable Cost 1254373.2 1336299.60 1421334.1 1382206.7 1347708.36 1317150.4 1317150.48 1265600.5 1248279.4 1236310.6
0 1 5 8 0 2 7
Total Cost 1743977.7 1766361.23 1786482.9 1687880.8 1598536.76 1517073.6 1442320.08 1373279.0 1330158.8 1306221.3
0 1 7 7 5 4 4
Sales 2016000.0 2304000.00 2592000.0 2592000.0 2592000.00 2592000.0 2592000.00 2592000.0 2592000.0 2592000.0
0 0 0 0 0 0 0

Contribution 761626.80 967700.40 1170665.8 1209793.2 1244291.64 1274849.5 1302052.65 1326399.5 1343720.5 1355689.3
9 5 2 0 8 3
(Sales-VC)
B.E.P in % 64.28 44.44 31.19 25.27 20.16 15.68 11.70 8.12 6.09 5.16

Break Even Sales 1295966.3 1023934.68 808484.90 654911.34 522503.88 406480.06 303328.84 210421.37 157943.15 133665.18
1
in Rs.
Break Even Units 8099.79 6399.59 5053.03 4093.20 3265.65 2540.50 1895.81 1315.13 987.14 835.41

Current Ratio 1.13 0.82 0.74 0.65 0.54 0.42 0.27 0.09 0 0

Net Profit Ratio 27.98 34.14 % 39.27 % 41.87 % 44.28 % 46.55 % 48.69 % 50.72 % 51.84 % 52.30 %

I/We hereby declare that

All information furnished by me/ us above in this Application/ Business plan & Project
report/Appendix/Annexure/Statements and other papers/ documents enclosed are true and correct to the best of
my/ our knowledge and belief;
I/we have no borrowing arrangements for the applicant enterprise/unit and the associate concerns with any other
bank/FI/ NBFC/ Institution, etc except as indicated in the application;
There are no arrears of statutory dues and no government enquiries/ proceedings/ prosecution/ legal action are
pending/ initiated against the enterprise/ unit/ associate concerns/ promoters/ directors/ partners/ proprietor except
as indicated in the application;