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Rahul Pal

The project 'Shri Balaji' is a cooler assembling unit located in Raebareli, owned by Rahul Pal, requiring a total investment of Rs. 500,000 with financial assistance sought through loans. The projected financials indicate a healthy debt service coverage ratio averaging 9.84, with anticipated profits increasing over the next four years. The business plans to utilize its capacity efficiently, aiming for a break-even point of 20.4% and generating significant revenue from cooler sales and repairs.

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29 views8 pages

Rahul Pal

The project 'Shri Balaji' is a cooler assembling unit located in Raebareli, owned by Rahul Pal, requiring a total investment of Rs. 500,000 with financial assistance sought through loans. The projected financials indicate a healthy debt service coverage ratio averaging 9.84, with anticipated profits increasing over the next four years. The business plans to utilize its capacity efficiently, aiming for a break-even point of 20.4% and generating significant revenue from cooler sales and repairs.

Uploaded by

cajitendrasrivastava
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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Download as PDF, TXT or read online on Scribd
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Summary of the project

NAME OF PROJECT : Shri Balaji

TYPE OF PROJECT : Cooler Assembling unit (Electronics and Electricals)

STATUS : Individual

OFFICE ADDRESS : Pure Lala , Ataura Bujurg , Raebareli

RESIDENTAL ADDRESS : Pure Lala , Ataura Bujurg , Raebareli

NAME OF PROPRIETOR : Rahul Pal

CATEGORY : OBC

PROJECT : Shri Balaji

MAN POWER STRENGTH : Skilled-02


: Assistant-04

AVRAGE DSCR (IN TIMES) : 9.84

INVESTMENT BY OWNER : Rs. 62500

Financial Assistance Required : Term loan for Macinery Rs.175000


CC Rs.262500
TOTAL FUND BASED EXPOSURE : Term loan for Macinery Rs.175000
CC Rs.262500

TOTEL INVESTMENT REQUIRED & MEANS OF FINANCING

COST OF PROJECT Particulars Amout(In Rs.)


Cost of Machinery
PLANT AND MACHINERY 200000.00
Working Capital 300000.00
Total 500000.00
MEANS OF FINANCE Own Contribution 7,50,000.00 62,500.00
Term Loan 15,00,000.00 1,75,000.00
CC 2,62,500.00
Total 22,50,000.00 500000.00
DEBT SERVICE COVERAGE RATIO

Particulars 2025-2026 2026-2027 2027-2028 2028-2029


Cash Accruals 3,45,570 4,08,825 4,57,080 5,10,335
Intt.on Term loan - - - -
Total(A) 3,45,570 4,08,825 4,57,080 5,10,335

REPAYMENT

Principal Amount term loan 43,750 43,750 43,750 43,750

Intt. on Term loan - - - -


Total(B) 43,750 43,750 43,750 43,750

D.S.C.R(A/B) 7.90 9.34 10.45 11.66


Average D.S.C.R 9.84
Current Assets 486820.00 526895.00 565225.00 606810.00
Current Liabiliteis 362500.00 387500.00 412500.00 437500.00

Current Ratio 1.34 1.36 1.37 1.39


DER Ratio 0.80 0.45 0.19 -
PROJECTED BALANCE SHEET
PARTICULARS 2025-2026 2026-2027 2027-2028 2028-2029
LIABILTIES
Rahul Pal
Proprietor capital 62,500.00 1,63,070.00 1,96,395.00 2,31,800.00
Net Profit 3,15,570.00 3,83,325.00 4,35,405.00 4,91,911.25
Less: Drawings 2,15,000.00 3,50,000.00 4,00,000.00 4,50,000.00
1,63,070.00 1,96,395.00 2,31,800.00 2,73,711.25
Term loan from bank 1,31,250.00 87,500.00 43,750.00
CC 2,62,500.00 2,62,500.00 2,62,500.00 2,62,500.00
Creditors 1,00,000.00 1,25,000.00 1,50,000.00 1,75,000.00
Total 6,56,820.00 6,71,395.00 6,88,050.00 7,11,211.25

ASSETS
Net fixed assets 1,70,000.00 1,44,500.00 1,22,825.00 1,04,401.25

CURRENT ASSETS , LOAN


&ADVANCE
Stores & Consumables 3,50,000.00 3,75,000.00 4,00,000.00 4,25,000.00
Debtor 50,000.00 75,000.00 1,00,000.00 1,15,000.00
Cash & bank balances 86,820.00 76,895.00 65,225.00 66,810.00

Total 6,56,820.00 6,71,395.00 6,88,050.00 7,11,211.25


PROJECTED CASH FLOW STATEMENT

PARTICULARS 2025-2026 2026-2027 2027-2028 2028-2029


SOURCE OF FUNDS
Increase in capital 62,500.00 - - -
Profit before tax 3,15,570.00 3,83,325.00 4,35,405.00 4,91,911.25
Depreciation 30,000.00 25,500.00 21,675.00 18,423.75
Term loan 1,75,000.00 - - -
CC 2,62,500.00 - - -
Increase in Expenses payable 1,00,000.00 25,000.00 25,000.00 25,000.00
TOTAL 9,45,570.00 4,33,825.00 4,82,080.00 5,35,335.00
APPLICATION OF FUNDS
Increase in fixed assets 2,00,000.00 - - -
Increase in consumables 3,50,000.00 25,000.00 25,000.00 25,000.00
Increase in debtors 50,000.00 25,000.00 25,000.00 15,000.00
Repayment of term loan 43,750.00 43,750.00 43,750.00 43,750.00
Drawings 2,15,000.00 3,50,000.00 4,00,000.00 4,50,000.00
Total 8,58,750.00 4,43,750.00 4,93,750.00 5,33,750.00
Opening cash & bank balance - 86,820.00 76,895.00 65,225.00
Add: surplus 86,820.00 -9,925.00 -11,670.00 1,585.00
Closing cash & bank balance 86,820.00 76,895.00 65,225.00 66,810.00
OPERATIONAL INCOME & EXPENDITURE STATEMENT
Amount (In Rs.)
PARTICULAR 2025-2026 2026-2027 2027-2028 2028-2029
UTILIZATION CAPACITY 70% 75% 80% 85%
A. PRODUCTION INCOME
Revenue 20,12,500 21,56,250 23,00,000 24,43,750
TOTAL (A) 20,12,500 21,56,250 23,00,000 24,43,750

B . COST OF SERVICES :
Cost of Materials 6,76,200 7,24,500 7,72,800 8,21,100
Electricity 2,49,480 2,67,300 2,85,120 3,02,940
Cost of other consumables 2,01,250 2,15,625 2,30,000 2,44,375
Cost of SERVICES (B) 11,26,930 12,07,425 12,87,920 13,68,415

C. GROSS PROFIT( A-B) 8,85,570 9,48,825 10,12,080 10,75,335


G.P.RATIO 44% 44% 44% 44%
D. Interest on T/L(@ 0%) - - - -
Interest on CC(@ 0%) - - - -
E.
General & Insurance. Expenses 15,000 15,000 15,000 15,000
Other Expenses 35,000 35,000 50,000 50,000
Salary and wages 3,50,000 3,50,000 3,50,000 3,50,000
Shop Rent 1,20,000 1,20,000 1,20,000 1,20,000
Depriciation 30,000 25,500 21,675 18,424
Service expenses 20,000 20,000 20,000 30,000
TOTAL E 5,70,000 5,65,500 5,76,675 5,83,424

F: Net profit/(loss (C-D-E) 3,15,570 3,83,325 4,35,405 4,91,911

G: TAXATION - - - -
H: Profit after tax 3,15,570 3,83,325 4,35,405 4,91,911
I : Depreciation add back 30,000 25,500 21,675 18,424
J : Net cash accruals 3,45,570 4,08,825 4,57,080 5,10,335
K : Net profit rate 15.68% 17.78% 18.93% 20.13%
Computation of Break Even Point
Amount (In Rs.)
Variable % of Fixed
Nature of Expenditure Fixed Expenses Total Expenses
Expenses Expenses
1. Electricity 1,99,480 50,000 2,49,480 20%
2. Salary 3,02,000 48,000 3,50,000 14%
3. Vehicle Rent - 1,20,000 1,20,000 100%
4. Depracrition - 30,000 30,000 100%
5.Interest on term loan - - - 0%
6.General &Insurance . Expenses - 15,000 15,000 100%
7. Other taxes - 35,000 35,000 100%
8.Service expenses 5,000 15,000 20,000 75%
10.cost of other consumables 4,30,500 - 2,01,250

TOTAL 9,36,980 3,13,000 8,19,480

Gross Income from Service 20,12,500


Adjustment -
Total 20,12,500

Contribution (Sales-Variable Cost) 10,75,520

Break Even Point:- Fixed Cost* Capacity Utilzation


20.4%
Contirbution
Statement Showing Gross Receipts at 100% Capacity Utilization
(Income from Project )
Product Line Qty Rate / unit Income
Cooler 250 8500 21,25,000
Cooler Repairing works 500 1000 5,00,000
Cooler Parts 500 500 2,50,000
Revenue Per Year 28,75,000

Statement Showing Power & Fuel at 100% Capacity Utilization

(Expense of Fuel from Single Vehicle)


No. of Days in a month 30
No. of HRS. it will work per day 9
No. of HRS. it will work per Month 270

No. of Hrs Months per annum 12


Total No.of HRS run per annum 3,240
Average Electricity unit per hrs 5.0
Total consumption ofElectricity (in unit) 16,200
Rate per unit (In Rs.) 22.0
Cost of electricty Per annum (In Rs.) 3,56,400

Total cost of electricty (In Rs.) 3,56,400


COMPUTATION 0F DEPRECIATION
Amount (In Rs.)
PARTICULARS Machinery TOTAL
Aaddition during tha year 2,00,000 2,00,000
Less: Depreciation 30,000 30,000

Written down value at the end of the 1st year 1,70,000 1,70,000
Less: Deprecation 25,500 25,500

Written down value at the end of the 2nd year 1,44,500 1,44,500
Less: Deprecation 21,675 21,675

Written down value at the end of the 3rd year 1,22,825 1,22,825
Less: Deprecation 18,424 18,424

Written down value at the end of the 4th year 1,04,401 1,04,401

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