Project Report &

CMA Data

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Shivam Internet
Executive Summary
Business Details

Name of Business Firm Shivam Internet

Business Industry Service

Nature of Business Cyber Cafe

Legal Constitution Proprietorship

Address Gabhadiya Sultanpur

Pin Code 2258488

Contact Phone 8081388296

Project & Loan Details

Fixed Capital to be Invested ₹ 9,90,000

Working Capital to be Invested ₹ 10,000
Total Project Cost ₹ 10,00,000

Term Loan ₹ 9,40,500

Working Capital Loan ₹ 9,500
Total Loan Amount Needed ₹ 9,50,000

Loan Duration 5 Years

Moratorium Period 3 months
Type of Loan Needed PMEGP Loan
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Project Details

Cost of Project ₹ 10,00,000

Project Cost BreakUp

Land ₹ 5,00,000
Building, Shed, Interior Work ₹ 2,50,000
Machinery & Equipments ₹ 20,000
Computers, Printers, Servers, etc ₹ 1,00,000
Furniture, Fittings, Racks ₹ 50,000
Electrification & Backup ₹ 50,000
Installation charge, Shipping, etc ₹ 20,000
Working Capital ₹ 10,000

Means & Cost of Finance

Source Share Amount Interest Rate
Own Capital 5% ₹ 50,000 N/A
Loan from Friends & Family 0% ₹0 N/A
Total Own Funds 5% ₹ 50,000
Term Loan 94% ₹ 9,40,500 10.75%
Working Capital limit 1% ₹ 9,500 10.75%
Total 100% ₹ 10,00,000

PMEGP Margin Money/Subsidy to be 35% ₹ 3,50,000

received after 3 years i.e. in FY 25-26
Promoter's Details
Mr Shivam Rao is the founder/promoter of the Business Firm. The Promoter has
*********************** to ********************************** implement the Project. The
Promoter is confident about **********************************and they are capable
to**********************as provided in the financial projections of this Report

Promoter Name Mr Shivam Rao

Gender Male
Educational Qualifications 12th Pass
Work Experience 1 - 3 years
Address Sultanpur Uttar Pradesh

Contact Phone 8081388296

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Business Scenario
Shivam Internet is planning to setup a project of Cyber Cafe. The Business firm and its owners have
the *********************************and make it run as a ************************** in
years to come.

As per Morgan Stanley Report, India is on track to become ********************************.

India’s GDP could more than ******************************************* by 2031.
As per World Economic Forum (WEF), till 2005, 69% of India’s households were classified as
***************************************have become prosperous middle class. With a steady
GDP growth rate of 7.5% a year, by 2030 and*******************************. The new
middle-class households will represent ************************************* where
youngsters are ******************************************.
Additionaly, the rural market is now ************************************************
already on a par with small towns and vastly higher than the rest of rural India. WEF projections
suggest that developed rural India **************************************************.

India's services sector is its engine of growth. ***************** ******************

**************.

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Shivam Internet will make a healthy profit for its owners and financers, as well
as************************. The Business intends to achieve the Sales and Profit Growth (in the
projected financials) by (a) ******************************** (b) financing
******************************.
Project Prospects
Shivam Internet is planning to setup a project of Cyber Cafe. The Business firm and its owners have
the relevant*********************and make it run as*********************** years to come.

By focusing on its ****************, as well as Management Team's Core Values, Shivam Internet
will increase its sales to Rs. ************ in 7 years time, while also improving the
*********************************************.

Shivam Internet have thoroughly evaluated the prospects of setting up Cyber Cafe business and the
prospects look very promising. The Business firm has studied
the******************************* they expect to reach profitability
***********************. Based on market study, the firm expects to achieve
*********************************************. Shivam Internet wants to become the
********************

Target Market
Sr No. Target Customer Expected Share
in Sales
1 Our initial plan is to target the customer base in our 75.00%
locality. The local customer base is large and we will
also get direct feedback from our customers

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Our Business

Mission Describe the purpose of your Business

Vision provide what you hope to achieve or become in the future

Values State your organization’s core principles and ethics

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Expected CAGR (FY 24-25 to FY 31-32)

Total no. of employees to be engaged BUY NOW

Key Data at a Glance
Projected Sales & Profitability

Revenue Income / Gross Sales EBITDA PROFIT AFTER TAX

TOL/TNW Ratio Trendline

12

10

-
FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32 FY 32-33

Net Profit Margin Trendline

30%
25%
20%
15%
10%
5%
0%
-5% FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32 FY 32-33
-10%
-15%
-20%
-25%
-30%
-35%
-40%
-45%
-50%

Net profit margin

CMA DATA
Projected Income Statement
Rs in Actual
Remaining
Current Year Projection Years --->
Particulars FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32 FY 32-33

INCOME
Revenue Income / Gross
Sales **** **** 5,55,543.9

EXPENSES
Purchases (Stock,
Inventory, Raw Material,
etc) **** 1,15,195.5 1,69,491.9
Changes in Inventory
(Refer Annexure 2) **** **** (6,218.5)

Rent & Lease Cost 40,000.0 **** ****

Salary & Wages 35,000.0 **** Get Complete Report for 999 only 80,708.7
Electricity, Fuel & Water **** 14,364.0 19,969.2
Advertising & Marketing 6,600.0 13,765.5 ****
Other Expenses 6,180.0 **** 17,140.2
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EBITDA *** *** 1,28,656.2 **** **** **** 1,66,995.4 ****

Depreciation &
Amortisation 54,000.0 67,400.0 **** 40,921.5 *** *** 23,966.3 ***

EBIT *** *** *** *** *** *** *** 1,54,090.6

Interest Expense 76,330.3 87,855.8 68,229.7 46,386.6 22,076.2 2,171.2 0.0 0.0

Profit Before Tax **** **** 8,836.6 **** 96,233.3 **** **** ****

Tax Expense **** **** **** - **** **** **** -

PROFIT AFTER TAX **** **** 8,836.6 **** **** 1,28,871.8 **** ****
CMA DATA
Projected Balance Sheet
Rs in Actual
Remaining
Current Year Projection Years --->
Particulars FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32 FY 32-33
SOURCES OF FUNDS

A. Own Funds

Initial Capital Invested /

Opening Capital Balance 50,000.0 **** **** **** **** **** 10,01,721.8 ****
Additional Capital added **** **** **** **** **** **** **** -
Profit (+) or Loss (-) from
current P&L A/c **** **** 8,836.6 **** **** 1,28,871.8 **** ****
Subsidy Received - - - 3,50,000.0 - - - -
Less: Drawings / Dividend - - - - - - - -
Total Own Funds **** 2,05,411.2 12,98,841.5

B. Long Term Liabilities

Term Loan from Bank 8,85,858.7 7,12,111.6 ****
Loan from Friends &
Family - - -

C. Current Liabilities Get Complete Report for 999 only

Working Capital Loan 9,500.0 9,500.0 ****
Interest Payable *** *** 0.0
Provision for Taxation *** *** ****
Sundry Creditors *** 9,599.6 4,237.3
Other Current Liabilities &
Provisions *** *** ****

Total Sources of Funds **** **** 9,27,735.7 11,11,300.1 **** **** **** ****

Rs in Actual
Remaining
Current Year Projection Years --->
Particulars FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32 FY 32-33
APPLICATION OF FUNDS

A. Non Current Assets

Fixed Assets
Gross Block 9,90,000.0 **** 9,90,000.0
Additions during the year **** - ****
Depreciation till Date 54,000.0 1,21,400.0 3,20,162.7
Net Block **** 8,68,600.0 ****

B. Current Assets
Cash & Bank Balance **** **** BUY NOW 4,48,946.3
Trade Receivables **** 47,904.9 ****
Raw Material Stock - **** ****
WIP Stock - **** ****
Finished Goods / Stock In
Trade **** **** 61,342.6

Advance Tax **** - ***

Other Current Assets 9,498.0 **** 14,329.2 **** **** **** 20,589.8 ****

Total Application of
Funds **** **** 9,27,735.7 11,11,300.1 **** **** **** ****
CMA DATA
Cash Flow Statement
Remaining Rs in Actual
Current Year Projection Years --->
Particulars FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32 FY 32-33

A. Cash Flow from Operating Activities

Net Profit After Tax **** **** 8,836.6 **** **** 1,28,871.8 **** ****
Add: Interest Expense 76,330.3 87,855.8 68,229.7 46,386.6 22,076.2 2,171.2 0.0 0.0
Add: Depreciation 54,000.0 67,400.0 **** 40,921.5 *** *** 23,966.3 ***

Operating Profit before

Working Capital Changes **** **** 1,74,856.2
(Increase)/Decrease in
Current Assets (other than Get Complete Report for 999 only
Cash) (60,226.1) (24,995.6) ****
Increase/(Decrease) in
Current Liabilities (other
than WC loan) 22,100.2 8,531.2 (1,910.5)
***** **** ****

B. Cash Flow from Financing Activities

Interest Expense (76,330.3) (87,855.8) (0.0)
Term Loan Taken/ (Repaid) 8,85,858.7 ****
BUY NOW ****
Working Capital Loan
Taken / (Repaid) 9,500.0 **** ****
Loan from Friends & Family - - -
Capital Introduced /
(Drawings) **** 1,70,538.9 -
Subsidy Received - - -
**** **** ****

C. Cash Flow from Investing Activities

Purchase of Fixed Assets (9,90,000.0) **** ****

Total Cash Inflow/ /

(Outflow) (A+B+C) **** 1,968.4 1,57,262.0
Add Opening Cash Balance - **** **** **** 2,11,543.3 **** **** ****
Closing Cash Balance **** **** **** **** **** **** **** ****
CMA DATA
Key Ratios & Feasibility

Remaining
Current Year Projection Years --->
Particulars FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32 FY 32-33
Long-term Solvency Ratios
Debt Equity Ratio *** **** **** 0.40 **** **** **** ****
Debt Ratio **** 0.75 0.00
TOL/TNW **** *** ****
Interest Coverage
Debt Service Coverage
0.56 ****
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Ratio (DSCR - Working

Below) *** *** -

Short-term Solvency Ratios

Current Ratio **** 2.22 ****
Quick Ratio or Liquid Ratio **** **** 52.66
Cash Ratio 0.06 **** ****

Profitability Ratios
Gross Profit Margin 62.0% **** *****
EBIDTA Margin **** 28.6% ****
Net Profit Margin **** **** BUY NOW 27.7%
Return on Assets (other
than cash) **** -4.8% ****

Growth Ratios (Annualised)

Sales/ Revenue Growth
(Annualised) ***** ****
EBIDTA Growth 170.9% ****

Activity Ratios (on closing value)

Debtors Turnover (days) **** 45.63 71.01
Sundry Creditors (days) 15.00 **** ****
Inventory Turnover (days)* **** **** 99.58
Other Current Assets
(days) **** **** ****
Other Current Liabilities
(days) **** 30.42 10.65
Fixed Assets to Turnover
Ratio **** 0.44 **** **** **** 0.72 **** ****

*Closing Inventory value considered

CMA DATA
Maximum Permissible Bank Finance (MPBF) Calculation

Remaining Rs in Actual
Current Year Projection Years --->
Particulars FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32 FY 32-33
Total Current Assets (A) **** *** 6,39,582.8
Total Current Liabilities
(other than Bank
Borrowing) (B) 13,789.4 ***
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Working Capital Gap

(C=A-B) **** *** ****

1st Method of Lending

Minimum Stipulated Net
Working Capital (D=25% of
C) *** *** ****
MPBF 1st method (C-D) *** 54,099.9
BUY NOW 4,76,509.1

2nd Method of Lending

Minimum Stipulated Net
Working Capital (E=25% of
A) *** **** 1,59,895.7
MPBF 2nd method (C-E) *** *** ****

Percentage of Sales method

Gross Revenue / Sales *** *** 5,55,543.9
MPBF - 25% of Sales *** **** ***

Actual Working Capital

Loan O/s 9,500.0 9,500.0 **** **** **** **** **** ****
DSCR Calculation
Remaining Rs in Actual
Current Year Projection Years --->
Particulars FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32 FY 32-33

PAT + Depreciation +
Interest *** *** 1,28,656.2 *** *** 1,59,096.1 *** ****

Interest payment 76,330.3 87,855.8 68,229.7 46,386.6 22,076.2 2,171.2 0.0 0.0
Principal Repayment of
Term Loan 80,144.4 1,73,747.1 *** *** *** *** *** ***
Principal Repayment of
Working Capital Limit *** *** *** *** *** *** *** ***
Total Repayment during
the year *** *** *** *** 2,61,602.9 *** *** ***

DSCR **** **** 0.49 **** **** **** **** -

Average DSCR (Term Loan + Working Capital Loan) ****

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Average DSCR (Term Loan only) ****

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Term Loan Repayment Schedule
Term Loan Amount ₹ 9,40,500
Loan O/s after Moratorium Period ****
Monthly EMI Amount ₹ 21,715

Year Interest Charged Total Payment to Principal Repaid Closing Loan O/s
Bank
FY 25-26 75,649 **** 80,144 ****
FY 26-27 86,835 **** 1,73,747 ****
FY 27-28 67,208 2,60,582 **** 5,18,738
FY 28-29 45,365 **** **** *****
FY 29-30 21,055 **** **** ****
FY 30-31 1,150 **** 63,995 ****
FY 31-32 0 **** ***** *****
FY 32-33 0 - **** 0
**** **** ****

Detailed Month wise EMI Schedule is provided in Annexure 1

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Break Even Sales
The term “break-even sales” refers to the sales value at which *************************. In
other words, the break-even sales are the amount of revenue
************************************************

Remaining Rs in Actual
Current Year Projection Years --->
Particulars FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32 FY 32-33

Revenue Income / Gross

Sales (A) **** **** 5,55,543.9
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Variable Costs **** **** ****
Gross Profit (B) **** 3,18,452.3 ****

Other Costs **** **** ****

Depreciation 54,000.0
BUY NOW 23,966.3 ****
Interest Cost 76,330.3 0.0 0.0
Total Fixed Cost (C) **** **** ****

Break Even Sales

(A*C)/B **** 2,95,063.5 ****
Working Capital Cycle
The Working Capital Cycle for a business is the length of time it takes to convert the total net working
capital (current assets less current liabilities) into cash

Remaining
Current Year Projection Years --->
Particulars FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32 FY 32-33

Inventory Days **** **** 99.6

Trade Receivable Days
Other Current Asset Days
****
****
45.6
****
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****
Total (A) ***** ***** *****

Trade Payable Days 15.0 **** ****

Other Current Liabilities Days **** 30.4 BUY NOW 10.6
Total (B) **** **** *****

Working Capital Cycle

Days (A-B) **** **** 186.4

An****************** in working capital cycle is assumed

for********************************. Shivam Internet plans to increase its Sales growth
by****************************************. On other hand by paying
*************************, it is expected that better********************************
which will help in improving profit margins.
SWOT Ananysis
The Business Owners have done indepth**********************, Shivam Internet, for starting
business of Cyber Cafe. Below is a SWOT analysis that is prepared mainly to
analyze***************************************************. Further, we have also
identifed the opportunities that************** & detected **********************.

STRENGTHS WEAKNESSSES

1. ************
2. Talented********* with strong
********** 1. Lack of Availability of ********
3. Quick to************* 2. Yet to create ***********
4. ********* resulting 3. Staff ****** & ******* is to be achieved
in*************making

OPPORTUNITIES THREATS

1. Unserved and ***************** our

Product / Service 1. Existing ********
2. New products or services can 2. Loyalty of **************
be***************************

OUR ACTION PLAN

To Overcome Weakness

1. Funding requirement is planned to *********************

2. Also, in initial phase we plan to ***************************** into business. This investment will go
into creating **********************

To Overcome Threats

1. We have studied the existing ***************************. We plan to cater to this

****************************************
2. We plan to ****************************************.
Depreciation Schedule
Rs in Actual
Remaining
Current Year Projection Years --->
Asset Head FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32 FY 32-33
Land - Depreciation Rate 0%
Opening WDV - **** 5,00,000.0
Additions **** - ****
Depreciation - - ****
Closing WDV **** **** *****
Building, Shed, Interior Work - Depreciation Rate 10%
Opening WDV - **** 1,24,002.9
Additions **** - -
Depreciation 16,666.7 23,333.3 12,400.3
Closing WDV **** 2,10,000.0
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Machinery & Equipments - Depreciation Rate 15%
Opening WDV - **** 6,788.7
Additions **** - ****
Depreciation 2,000.0 2,700.0 ****
Closing WDV **** ***** *****
Computers, Printers, Servers, etc- Depreciation Rate 40%
Opening WDV - **** 3,421.4
Additions **** **** BUY NOW ****
Depreciation 26,666.7 29,333.3 ****
Closing WDV **** 44,000.0 *****
Furniture, Fittings, Racks- Depreciation Rate 10%
Opening WDV - **** 24,800.6
Additions 50,000.0 **** -
Depreciation 3,333.3 4,666.7 2,480.1
Closing WDV **** ***** 22,320.5
Electrification & Backup- Depreciation Rate 10%
Opening WDV - **** 24,800.6
Additions **** - ****
Depreciation 3,333.3 4,666.7 ****
Closing WDV **** ***** *****
Installation charge, Shipping, etc- Depreciation Rate 15%
Opening WDV - **** 6,788.7
Additions **** - ****
Depreciation 2,000.0 **** ****
Closing WDV **** ***** *****
Vehicle for Business use- Depreciation Rate 15%
Opening WDV - **** -
Additions **** - ****
Depreciation - - ****
Closing WDV **** - *****
Software, Website, App Development - Depreciation Rate 40 %
Opening WDV - **** -
Additions **** **** -
Depreciation - - -
Closing WDV **** - -
Livestock, Farm Animals, Etc - Depreciation Rate 15 %
Opening WDV - **** -
Additions **** - ****
Depreciation - - ****
Closing WDV **** - *****
Other Capital Expenditure- Depreciation Rate 15%
Opening WDV - **** -
Additions - **** -
Depreciation - - -
Closing WDV **** - -

Total Fixed Assets

Opening WDV - **** ****
Additions **** - -
Depreciation 54,000.0 ***** 20,765.6
Closing WDV **** 8,68,600.0 ****
Sensitivity Analysis
Scenario 1
Decrease in Sales/Revenue by 7%

Rs in Actual
Remaining
Current Year Projection Years --->
Particulars FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32 FY 32-33

Revenue Income / Gross

Sales **** **** 5,16,655.8

EBITDA 29,672.0 **** ****

EBIT **** 15,270.1 Get Complete Report for 999 only ****
Profit Before Tax **** **** ****

Scenario 2
Increase in Variable Cost 7%

Rs in Actual
Remaining
Current Year Projection Years --->
Particulars FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32 FY 32-33

Revenue Income / Gross

Sales ***** **** 5,55,543.9

EBITDA 37,757.0 ****

BUY NOW ****
EBIT **** 31,351.4 ****
Profit Before Tax **** **** ****

Scenario 3
Increase in Fixed Cost (other than
Depreciation) 7%

Remaining
Current Year Projection Years --->
Particulars FY 25-26 FY 26-27 FY 32-33

Revenue Income / Gross

Sales **** **** 5,55,543.9

EBITDA 37,625.11 **** ****

EBIT **** 33,680.36 *****
Profit Before Tax **** **** *****
Assumptions Used
Apart from the assumptions & methodology stated elsewhere in the report, below are the main assumptions
considered in preparation of this project report

Operational Capacity
It is assumed that post*******************, the business would reach************************ in the following manner.

Current Year Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7

Operational & Sales

Capacity of Business 70% 90% 100% 100% 100% 100% 100% 100%

Estimated Sales
Over the years the Daily sales are estimated at an trend as shown below. The trend in sales is mainly after
considering ***************************************, we will be able to command premium due to Business Goodwill

Current Year Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7

Estimated Daily Sales ***** ***** 1,192 ****** ****** ****** ****** 1,522

Estimated Expenses
Based on the working experience and market study, the Promoters have assumed that at 100% operational
capacity, following expenses would be incurred

Particulars Monthly Cost at current prices Expense Nature Assumed

Purchases (Stock, packing material, etc) 10,000 Variable
Rent & Lease Cost 5,000 Fixed
Salary & Wages 5,000 Semi Variable
Electricity, Fuel & Water 1,200 Variable
Transportation - Variable
Phone, Postage & Internet - Fixed
Advertising & Marketing 1,000 Fixed
Repair & Maintenance - Fixed
Insurance expenses - Fixed
Consumables, Spares, etc - Variable
Other Expenses 1,000 Fixed

Total ₹ 23,200

Current Year Period

For the Current Period, the projections worked out are for the balance period of 9 month(s)

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Assumptions Used
Adjustment for Inflation
In Sales & Expenses, both, nominal adjustment for price increase due to inflation is made

Other Income (available Cash & Bank Balance)

We have not considered effect of any ***************************************** in the financial projections as we
wanted to show the Businesses loan repayment capacity purely from *****************************

Line of Business & Taxation

The financial projections are purely made considering the entity will continue ************************
*****************. The income tax is calculated assuming that the ***********************************************

Business Team
The Company plans to hire 0 employees. Later as the business expands the entity will increase its employee
strength for which increase in salary expenenses is considered in financial projections.
Conclusion
Shivam Internet setting and expanding business in Sultanpur will allow the firm to offer
*************************************. As per the financial projections, it is expected that the Business will
c*******************************************

Gross Profit Margin *****

Net Profit Margin 28%

Shivam Internet, to conclude wants to run the business of Cyber Cafe as a ***************************. The
Business Entity has already made lot of efforts in *****************************, as well as making the financial
projections. The entity will make ****************************************. Thus with your financial help, we can
postively************************************as well as create more *****************************

END OF REPORT
Contact Person Shivam Rao
Contact Number 8081388296
Annexure 1
Monthly EMI Schedule
Month Opening O/s Interest Paid EMI Principal Paid Balance O/s
Jul-25 9,40,500 8,425 - - 9,48,925
Aug-25 9,48,925
Sep-25 9,57,426
Oct-25 9,66,003
Nov-25 9,52,942
Dec-25 *****
Jan-26 9,26,467
Feb-26 9,13,051
Mar-26 8,99,516
Apr-26 8,85,859
May-26 8,72,079
Jun-26 8,58,177
Jul-26 8,44,149
Aug-26 *****
Sep-26 8,15,717
Oct-26 8,01,309
Nov-26 7,86,772 BUY NOW
Dec-26 7,72,105
Jan-27 7,57,307
Feb-27 *****
Mar-27 7,27,311
Apr-27 7,12,112
May-27 6,96,776
Jun-27 6,81,303
Jul-27 *****
Aug-27 6,49,939
Sep-27 6,34,046
Oct-27 6,18,011
Nov-27 6,01,832
Dec-27 5,85,509
Jan-28 5,69,039 5,098 21,715 16,617 5,52,421
Feb-28 5,52,421 4,949 21,715 16,766 5,35,655
Mar-28 5,35,655 4,799 21,715 **** ****
Apr-28 5,18,738 4,647 21,715 17,068 5,01,670
May-28 ***** 4,494 21,715 17,221 4,84,449
Jun-28 4,84,449 4,340 21,715 17,375 4,67,074
Jul-28 4,67,074
Aug-28 4,49,543
Sep-28 4,31,855
Oct-28 4,14,009
Nov-28 3,96,002
Dec-28 *****
Jan-29 3,59,504
Feb-29 3,41,010
Mar-29 3,22,350
Apr-29 3,03,522
May-29 2,84,526
Jun-29 2,65,360
Jul-29 *****
Aug-29 2,26,511
Sep-29 2,06,825
Oct-29 1,86,962
Nov-29 1,66,922
Dec-29 1,46,702
Jan-30 1,26,301
Feb-30 1,05,718
Mar-30 *****
Apr-30 63,995
May-30 42,854
Jun-30 21,522
Jul-30 0
Aug-30 0 0 - (0) 0
Sep-30 0 0 - **** ****
Oct-30 0 0 - (0) 0
Nov-30 0 0 - (0) 0
Dec-30 0 0 - **** 0
Jan-31 ***** 0 - (0) ****
Feb-31 0 0 - (0) 0
Mar-31 0 0 - (0) 0
Apr-31 0 0 **** (0) ****
May-31 0 0 - (0) 0
Annexure 1
Monthly EMI Schedule
Month Opening O/s Interest Paid EMI Principal Paid Balance O/s
Jun-31 0 0 - (0) 0
Jul-31 0 0 - (0) 0
Aug-31 0 0 - (0) 0
Sep-31 0 0 - (0) 0
Oct-31 0 0 - (0) 0
Nov-31
Dec-31
Jan-32 Get Complete Report for 999 only
Feb-32
Mar-32
Apr-32 BUY NOW
May-32
Jun-32
Annexure 2
Changes in Inventory Working

Remaining Rs in Actual
Current Year Projection Years --->
Particulars FY 24-25 FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32

Opening Inventory
Raw Material *** - ***
Work in Process *** - Get Complete Report for 999 only -
Finished Goods - **** 55,124.1
Total Opening Inventory (A)
**** **** ****

Closing Inventory
BUY NOW
Raw Material - **** ****
Work in Process - *** ****
Finished Goods *** *** 61,342.6
Total Closing Inventory (B)*** 25,251.7 61,342.6

Changes in Inventory (A-B)

**** (5,977.9) **** **** **** (5,807.7) **** ****
Suggestions to Improve your Project Report
Not part of Project Report

Please Check for the below points

Your Average DSCR Ratio should not be very low (<1.5) nor very high (>5). If your DSCR value is not in this
range, then please click below link to know how to improve your DSCR

https://fortriskconsulting.com/dscr/

Your Working Capital Loan Limit should not be more than permissible limit (MPBF), If yes, then kindly reduce
the loan limit to met the requirement. Refer MPBF calculation sheet to check the permissible limit

Also, your working capital loan value should not be in excess than required. Check the cash balance in the
Balance Sheet, it should not be more than 50% of the working capital loan. This would mean that your
working capital loan amount is lying idle in cash and not used for business. Try to keep the working capital
loan not more than twice the monthly expenses amount

Try to maintain your GP Ratio or EBITDA margin within acceptable limits of your industry average. You can
change the ratio by changing the Sales Values - Edit Sales using Sales and Operational Capacity

Finally, every Bank has its own criteria to approve loan. You can always change and download a revised
report multiple times on our website for 21 days after payment

You can refer our complete step by step guide on specific Loan Schemes & Project Reports:

How to Apply for Mudra Loan - https://fortriskconsulting.com/sbi-e-mudra-loan/

How to Apply for PMEGP Loan - https://fortriskconsulting.com/pmegp-loan/
How to Apply for Standup India Loan - https://fortriskconsulting.com/standup-india-scheme/
How to make Commercial Vehicle Project Report - https://youtu.be/zBwZjoMVJbk
How to make Dairy Farm Project Report - https://fortriskconsulting.com/dairy-farm-project-report/
How to make Restaurant/Cafe Report - https://youtu.be/3qQtzWqAtlk