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PROJECT REPORT

On 
Servicing of Physical Fitness and Physiotherapy 
 
Submitted by 
T.Ambika 
 
As part of  requirement of The Training 
 under 
New Entrepreneur cum‐Enterprise 
Development Scheme 
Government of Tamilnadu 
 
Conducted by 
Entrepreneurship Development Institute, 
Guindy, Chennai 
 
Prepared by 
Name :  T.Ambika 
Address:  40/95, Deputy Collectors     
                       Colony, 3rd Street, 
    K.K. Nagar,  
                       Madurai – 625020. 
Mobile:  99425 11755 
Email:   ambikabethshan@gmail.com 
 
Training at 
Centre For Entrepreneurship Development 
(Tamil Nadu),   No. 54, Visuvasapuri First 
Street, Gnanaolipuram, Arasaradi, 
Madurai – 625 016. 
  
 Financed by Indian Bank  
Madurai Main Branch, 
East Avani Moola Street, 
  Madurai – 625001. 
TABLE OF CONTENT  

Sl. No.  Description  Page No. 


1. Executive Summary  1  ‐  2 
2. Business Plan Preparation ‐ Manual Copy  3  ‐  11 
3. Business Plan Preparation Thorough Software  12  ‐  17 
Developed by EDI 
4. Market Survey Report  18 ‐ 21 
5. Copy of Machinery / Equipment Catalogue and  22 ‐ 24 
Proforma  Invoice / Quotation 
6. Raw Material Price Evidence  ‐Nil‐ 
7. Selling Price Evidence  ‐Nil‐ 
8. Copy of Qualification and Experience Certificate,  25 ‐ 28 
Residential Proof etc 
9. PART – I Registration under MSME  29 ‐ 32 
10. Other Approvals / Registration  ‐Nil‐ 
 

   
EXECUTIVE SUMMARY 
Kind of Business    :   Physical  Fitness and Physiotherapy centre 

  Introduction:   

    Physical fitness and physiotherapy is a service which help peoples 
with  physical  difficulties  resulting  from  illness,  injury,  disability,  obesity  and 
muscle  weakness.  It  will  promote  the  health  and  well‐being  and  assist  the 
rehabilitations  process  by  developing  and  restoring  body  systems,  in 
particulars,  the  neuromuscular,  musculoskeletal,  cardiovascular  and 
respiratory systems.  

  This  service  comprising  manual  therapy,  mobilization,  joint  relaxation 


exercises, strengthening and stretching exercises, therapeutic exercise and the 
application of technological equipments. 

Profile of Management / Promoter: 

  Dr. T. Ambika B.P.T., 
  Physiotherapist 
 
Location: 
   
  KISHORE PHYSIO CARE 
  Plot No: 70, K.K. Nagar, 
  Madurai – 625 020. 
 
 

 
Resource Needs: 

  I  am  going  to  run  the  physical  fitness  and  physiotherapy  with  3  skilled 
labour, 1 unskilled labour and 1 helper. I had a spacious building to place the 
machineries  and equipments. I had a good water source and electricity. 

Volume of Business: 

  Rs.10,50,000/‐ (Rupees Ten Lakhs Fifty Thousand only)  per year 

Profit note in: 

(i) Market 
• I  am  going  to  service  by  trained  physiotherapist  at 
  affordable   prices. 
 
• Diagnosis  and  treatment  is  entirely  different  from  the 
  competitors. 
 
• Counseling should be given by Psychologist, Dietician etc., 
 
• I will give concession in payment for the persons who are in 
  the terms of annual clients. 
(ii) Customer 
ƒ I  am  going  to  target  mainly  the  youngsters  and  oldage 
peoples. 
ƒ I targeted the peoples who needs counseling. 
ƒ I am going to face the people who wants house visits in the 
absence of coming to the centre. 
 
(iii) Financial Highlight 

      Loan amount    : Rs.6,00,000 
      Own contribution    : Rs.    30,000   
 

BUSINESS PLAN FORMAT FOR MSMEs 
(SERVICE ENTERPRISES)  
 
1.0 

Name of the Firm  Kishore Physio Care
Name of  Physical Fitness & Physiotherapy Centre 
business/project 
Location  K.K.Nagar
Type of Organization  Proprietrix
(Proprietary/Partnership) 
Address (with Phone,      Plot no:70,K.K.Nagar,Madurai‐625020 
e‐mail)  Cell:9942511755 
  ambikabethshan@gmail.com 
Name of the Chief  T.Ambika
Promoter(s) 
Date of Birth  30.10.1985
Names of Partners Nil 
 
 
 

1.1. Educational Qualification: 

Course (from  School/University/Institute Major  Year of 


SSLC/Diploma)  Subject  Passing 
       
B.P.T.  Bachelor of Physiotherapy    August 2009 
       
 

1.2. Special Training: 

Training in Institute Duration Achievement/Remark


Nil   
   
   
 
1.3. Work experience (Past & Present): 

Organisation  Position Nature of work Duration


Nil  Nil  Nil Nil 
   
   
 

1.4   

Promoter’s Annual Income (Last Year) Nil
Assets owned by the promoter (s) Nil
Movable 
Immovable   Nil
 

1.5. COMPANY’S MAIN OBJECTIVE (Why does the company exist?): 

To service good quality at affordable prices to customers.
 
 
 
 
 
 

1.6. FINANCIAL GOALS: 

a. To have a sales revenue amounting to  Rs.21,00,000 by 2020
b. To obtain a profit margin of  50 %
c. To obtain a profit per business partner   of  Rs. Nil
   

1.7. DESCRIPTION OF THE PRODUCT or SERVICE: 

Physical fitness and physiotherapy to make the people fit and healthy. 
 
 
 
 
 
1.8. IDENTIFICATION OF THE CUSTOMERS: 

Through advertising, free camps and doctors.
 
 
 
 
Needs satisfied by the product  or service:
Cleanliness, perfection in diagnosis and good treatment. 
 
 

1.9. IDENTIFICATION OF THE COMPETITION  (Major competitors): 

Alagar Physio Clinic, Madurai. 
 
 
 
Strengths/weakness of the competition:
Strength  Weakness 
Service done by the qualified  I will concentrate mainly the ladies. 
physiotherapist.   
Service with consultation of  I am going to face the high class peoples.
dietician and psychologist. 
 

1.10. ADVANTAGES AND DISADVANTAGES OF THE PRODUCT AND YOUR COMPANY 

Price                                      Marginally High
 
Quality                                  Good
Terms of Delivery               By Appointments
 
Payment  Methods             Cash
 
Customer Service                Direct
 
Others:  
 
 
1.11. MESSAGE TO BE COMMUNICATED TO THE CUSTOMERS: 

 
Perfect Diagnose, Good Treatment, Cleanliness, Highly Modernized Machinery.
 
 

1.12. MARKETING AND MEANS OF COMMERCIALIZATION: 

Present demand  High demand in fitness & physiotherapy to reduce weight 
& supply  & keep fit. 
Competition  Alagar Physio Clinic
Target clients  Youngsters & old age people.
Marketing  Service with efficient physiotherapist, dietician and 
strategy (USP)  psychologist. 
 

1.13. Process of Service: 

Technical know‐how  Indigoes
availability 
Step‐by‐step description  Welcoming the clients  Â condition diagnosing Â
of the service process)  treatment Â fees collection Â advice. 
 
 

1.14. Working Programme: 

No. of working days/annum                  365
No. of working shifts (8hrs)/day           8 hours
Installed capacity (annual)                    10,50,000
Utilized capacity (%) 
Year ‐  I         60 
Year ‐  II        70 
Year ‐  III       90 
Sales(Service)  Capacity
S.No.  Item(s)  Volume /Yr  Utilisation 
  (%) 
1  Fitness  5,50,000 100 
2  Physiotherapy  5,00,000 100 
   
   
2.0. Details of the Proposed Project:  

2.1 Land and Building: 

S.No.  Particulars  Area required Total value  Remarks


1  Land     
2  Building   Rented  
TOTAL   
 

2.2. Equipments: 

Total 
S.No.  Description  Nos. required  Rate (Rs) 
Value(Rs) 
1  Machinery and  26 5,56,000 5,56,000
equipments 
     
     
     
     
 

2.3.   Misc. Fixed Assets: 

S.No.  Particulars  Nos. required Rate (Rs) Total 


Value(Rs) 
  Nil   
     
     
     
 

2.4.   Preliminary and Pre‐operative Expenses: 

S.No.  Particulars  Amount  (Rs) Remarks


1  Interest during 
Implementation 
2  Establishment expenses
3  Rent advance  80,000
4  Misc. expenses 
  TOTAL  80,000
 
2.5. Working Capital: 

Total Value (Rs) 
S.No.  Item  Duration
1st Year  2nd Year  3rd Year  4th Year  5th Year 
1.  Raw‐Material stock  Nil Nil Nil Nil Nil  Nil
2  Sales on credit     
Operational  
3             
Expenses 
4  TOTAL     
 

2.6. Total Cost of the Project: 

S.No.  Particulars Total value (Rs)


1  Fixed Capital (sum of 2.1+2.2+2.3) 5,56,000
2  Working Capital (Sum of 2.5)
3  Preliminary & Preoperative Expenses  80,000
(sum of 2.4) 
Total  6,36,000
 

2.7. Means of Finance: 

S.No.  Particulars  Amount (Rs) Remarks


1  Own Investment/Equity 31,800
2  Term Loan   6,04,200
3  Working capital Loan 
4  Any other source (subsidy 
etc) 
Total  6,36,000
 

3.1. Service Revenue:  (Please refer item No. 5.1 (Pricing) 

S.No.  Items (s)  Quantity  Rate/Unit (Rs)  Sales 


Sold/Yr  Realisation 
(Rs) 
1  Fitness  2200 2500 5,50,000
2  Physiotherapy  1000 500 5,00,000
     
     
     
4.1. Raw material (annual) Requirement: 

S.No.  Item (s)  Quantity Rate (Rs) Total value 


(Rs) 
  Nil   
     
   Total   
 

4.2. Utilities: 

S.No  Particulars  Annual  Remarks


Expenditure 
1  Power/electricity  48,000
2  Water  12,000
3  Coal/Oil/Steam 
4  Transport
5  Any other item 
Total  60,000
 

4.4. Man Power (Salaries/Wages): 

S.No.  Particulars  No. Wages/Salary  Annual 


P.M. (Rs)  Expenses (Rs) 
1  Skilled  3 24,000  2,88,000
2  Semi‐skilled  1 5,000  5,000
3  Unskilled  1 2,000  2,000
4  Office staff  
5  Any other   
Total   2,95,000
   
 

 4.5 Repairs and Maintenance: 

S.No.  Particulars Amount (Rs) 


1  Machine Maintenance 12,000 
   
   
   
4.6. Selling and Distribution Expenses: 

S.No.  Particulars  Amount (Rs) Remarks


1  Publicity expenses  36,000  
2  Traveling   
3  Freight   
4  Commission   
5  Misc.   
 

4.7. Administrative Expenses: 

S.No  Particulars  Amount (Rs) Remarks


1  Stationery & Printing  3,000  
2  Post/telephone  3,000  
3  Entertainment Expenses
4  Miscellaneous 
Total  6,000
 

4.8. Interest: 

Year  Loan amount  Interest (Rs) Installment  Balance (Rs)


Outstanding (Rs)  (Rs) 
1  5,70,000  63,637 88,515  4,81,485
2  4,81,485  52,411 99,741  3,81,743
3  3,81,743  39,761 1,12,391  2,69,352
4  2,69,352  25,507 1,26,645  1,42,707
5  1,42,707  9,445 1,42,707  Nil
     
 

4.9. Depreciation: 

S.No  Type of Asset   Cost of Asset  Expected Life  Depreciation


1  Machineries and  5,56,000 10 25%
Equipments 
     
     
     
 
5.1.  Pricing : 

  Product 1 Product 2 Product3


Amount  Amount  Amount 
Total product cost per   
unit (fixed cost/unit +  400  2300 
variable /unit) + tax 
Desired Profit  100 200  
Sale Price (including   
500  2500 
tax) 
 

Profitability Projections: 
S.No    Particulars  Amount  (Rs) 
      Year‐1 Year‐2 Year‐3  Year‐4  Year‐5
A  Service revenue  1050000 1102500 1157625  1216000  1277000

Realization 
B  Cost of producing     

1  Raw materials  nil nil nil  nil  nil

2  Utilities  nil nil nil  nil  nil

3  Salaries/wages  295000 295000 331000  331000  367000

4  Repairs & maintenance 12000 18000 24000  30000  36000

5  Selling& distribution  36000 36000 42000  48000  54000

expenses 
6  Administrative  6000 8000 10000  12000  15000

expenses 
7  Interest  63637 52411 39761  25507  9445

8  Rent  96000 96000 96000  96000  96000

9  Misc. expenses     

TOTAL –B  (1 TO 9)  508637 505411 542761  542507  577445

C  Gross profit/loss (A–B) 541363 597089 614864  673493  699555

D  Less: Depreciation  139000 104250 78188  58641  43980

E  Income‐tax  2818 12138 14490  21924  24573

F  NET PROFIT /LOSS  399545 480701 522186  592928  631002

G  Repayment  88515 99741 112391  126645  142707

H  Retained surplus  311039 380960 409795  466283  488313

 
Application Form - Business Details
Name of Business Enterprises : KISHORE PHYSIO CARE PHYSICAL FITNESS & PHYSIOTHERAPY CENTRE

Office Address
Door No plot no 70

Street K.K Nagar

Area KK Nagar

City Madurai

District Madurai

State TamilNadu

Pincode 625020

Factory Address
Factory Door No plot no 70

Factory Street K.K Nagar

Factory Area KK Nagar

Factory City Madurai

Factory District Madurai

Factory State TamilNadu

Factory Pincode 625020

Type of Industry Services

EM no 330242133162

Product Name Health and Medical Services

Consitution Proprietary

No of key persons involved 1


Name of Business Enterprises : KISHORE PHYSIO CARE PHYSICAL FITNESS & PHYSIOTHERAPY CENTRE

Key Person 1
Title Thirmathi

Name AMBIKA T

Father/Husband Name KALYANA KUMAR G

Age 29

Address 40/95

deputy collectors colony,3rd Personal Finance


KK Nagar Permanent Account Number

Telephone number 9843729265 Do you have Bank account Yes

Mobile number 9942511755 Bank name State Bank of India

Educational background BPT Branch Vilangudi

Whether ration card available Yes Bank address Shanthi Nagar Madurai

Whether voter identity card available Yes Account number 32509872717

Social status OBC Account type Savings Bank

Employment of spouse Others IFSC code

Qualification of spouse ITI Credit card No

Networth Statement
Assets (Rs.Lakhs)

Immovable Properties( Including Land and Building ) 31.00

Investment in Business Capital 0.00

Deposits with Banks/institutions 0.00

Gsecs/Bonds/NSC/NSS 0.00

Shares/Debentures ( Market Value ) 0.00

Life Insurance Policies ( Surrender Value ) 0.00

Value of Vehicles ( Market Value ) 0.00

Other Assets ( Incl. Jewellery ) 0.00

Total Assets 31.00

Liabilities 0.00

Loans Availed from Banks (Total Outstanding) 0.00

Other Liabilities 0.00

Total Liabilities 0.00

Networth 31.00

Property Location 13 Avin Nagar Gomathipuram Madurai


Name of Business Enterprises : KISHORE PHYSIO CARE PHYSICAL FITNESS & PHYSIOTHERAPY CENTRE

Project Cost (Rs.lakhs)

Land 0.00

Building 0.00

Plant and Machinery

Imported 0.00

Indigenous 0.00

Vehicles 0.00

Furniture and Fittings 0.00

Computers and office automation 0.00

Testing equipment 5.56

Other fixed assets 0.00

Erection/installation charges 0.00

Pre-operative expenses 0.80

Provision for contingencies 0.00

Working capital margin 0.30

Total Cost 6.66

Means of finance

Owners contribution 5.00%

Owners contribution 0.33

Loan from bank/other institutions 6.33

Total 6.66

Name of Business Enterprises : KISHORE PHYSIO CARE PHYSICAL FITNESS & PHYSIOTHERAPY CENTRE

Fullfillment of statutory requirements


Requirements Status

1.Approval from Local Authority / body Not Applicable

2.Approval for Building Plan Not Applicable

3.Approval from Inspector of Factories Not Applicable

4.Approval from Electricity Board Not Applicable

5.Have you obtained Import and Export Code? Not Applicable

6.Sales Tax Registration Not Applicable

7.Service Tax Registration Not Applicable

8.Pollution Control Board Clearence Not Applicable

9.Registeration for Partnership/Company/Co-operative Society Not Applicable

Name of Business Enterprises : KISHORE PHYSIO CARE PHYSICAL FITNESS & PHYSIOTHERAPY CENTRE

Personal strengths in the area of business


I have formal education about this business. I have 3 years of relevant experience. None of my family members have experience in this business. For this
business skilled,semiskilled and unskilled manpower are required. I am confident of having necessary manpower for the business. power requirement is 9.6
horse power per day. I do not have any backup. I require 500 liters of water. I have adequate facility to draw water. I conducted survey and based on the findings
only, I am trying to get into this business. I am planning to provide service to customers directly. I do not have showrooms.
Name of Business Enterprises : KISHORE PHYSIO CARE PHYSICAL FITNESS & PHYSIOTHERAPY CENTRE

Projected Profit & Loss Statement (Rs.Lakhs)


Mar-2016 Mar-2017 Mar-2018 Mar-2019 Mar-2020

Operational Income 7.34 9.00 11.25 12.00 13.50

Job work 0.00 0.00 0.00 0.00 0.00

Other income 0.00 0.00 0.00 0.00 0.00

Total Income 7.34 9.00 11.25 12.00 13.50

Materials/Spares 0.00 0.00 0.00 0.00 0.00

Wages 0.88 1.08 1.35 1.44 1.62

Power & Fuel 0.23 0.29 0.36 0.38 0.43

Other operational
0.37 0.45 0.56 0.60 0.68
expenses

Administration expenses 0.37 0.45 0.56 0.60 0.68

Other Duties & Taxes 0.00 0.00 0.00 0.00 0.00

Rent Expenses 0.47 0.58 0.72 0.77 0.86

Selling & Distribution


0.37 0.45 0.56 0.60 0.68
Expenses

Depreciation 0.00 0.00 0.00 0.00 0.00

Finance Charges 0.30 0.53 0.38 0.23 0.07

Total Expenditure 2.99 3.83 4.49 4.62 5.02

Profit & Loss 4.35 5.17 6.76 7.38 8.48

Name of Business Enterprises : KISHORE PHYSIO CARE PHYSICAL FITNESS & PHYSIOTHERAPY CENTRE

Projected Balance Sheet (Rs.Lakhs)


Mar-2016 Mar-2017 Mar-2018 Mar-2019 Mar-2020

Capital 0.33 0.33 0.33 0.33 0.33

Reserves & Surplus 4.35 9.52 16.28 23.66 32.14

Loan from Bank 5.06 3.79 2.52 1.25 -0.02

Sundry Creditors 0.00 0.00 0.00 0.00 0.00

Total Liabilities 9.74 13.64 19.13 25.24 32.45

Fixed Assets 5.56 5.56 5.56 5.56 5.56

Sundry Debtors 1.22 1.50 1.88 2.00 2.25

Stock 0.00 0.00 0.00 0.00 0.00

Loans & Advances 0.00 0.00 0.00 0.00 0.00

Cash & Bank Balance 2.96 6.58 11.69 17.68 24.64

Total Assets 9.74 13.64 19.13 25.24 32.45


Name of Business Enterprises : KISHORE PHYSIO CARE PHYSICAL FITNESS & PHYSIOTHERAPY CENTRE

Projected Cash Flow Statement


Mar-2016 Mar-2017 Mar-2018 Mar-2019 Mar-2020

Net Profit as per Tax 4.35 5.17 6.76 7.38 8.48

Add: Depreciation 0.00 0.00 0.00 0.00 0.00

Add: Capital Contribution 0.33 0.00 0.00 0.00 0.00

Add: Loan from Bank 6.33 0.00 0.00 0.00 0.00

Add: Increase in Sundry


0.00 0.00 0.00 0.00 0.00
Creditors

Add: Decrease in Sundry


0.00 0.00 0.00 0.00 0.00
Debtors

Add: Decrease in Stock 0.00 0.00 0.00 0.00 0.00

Total Inflow 11.01 5.17 6.76 7.38 8.48

Less: Purchase of Fixed


5.56 0.00 0.00 0.00 0.00
Assets

Less: Repayment on
1.27 1.27 1.27 1.27 1.27
Loan to Bank

Less: Increase in Sundry


1.22 0.28 0.38 0.12 0.25
Debtors

Less: Decrease in Sundry


0.00 0.00 0.00 0.00 0.00
Creditors

Less: Increase in Stock 0.00 0.00 0.00 0.00 0.00

Less: Loans & Advances 0.00 0.00 0.00 0.00 0.00

Total Outflow 8.05 1.55 1.65 1.39 1.52

Opening Balance 0.00 2.96 6.58 11.69 17.68

Surplus/Deficit 2.96 3.62 5.11 5.99 6.96

Closing Balance 2.96 6.58 11.69 17.68 24.64

Name of Business Enterprises : KISHORE PHYSIO CARE PHYSICAL FITNESS & PHYSIOTHERAPY CENTRE

Ratios
Usual Norms Mar-2016 Mar-2017 Mar-2018 Mar-2019 Mar-2020

Current Ratio >1.33 0.00 0.00 0.00 0.00 0.00

Debt-Equity Ratio <2.00 1.08 0.38 0.15 0.05 0.00

Debt Service
>1.5 2.96 3.17 4.33 5.07 6.38
Coverage Ratio

TOL / TNW <3.00 1.08 0.38 0.15 0.05 0.00

Interest Coverage
>2.00 15.50 10.75 18.79 33.09 122.14
Ratio

Net Profit Margin(%) >5.00 59.26 57.44 60.09 61.50 62.81


Name of Business Enterprises : KISHORE PHYSIO CARE PHYSICAL FITNESS & PHYSIOTHERAPY CENTRE

Interest & Loan Repayment Schedule (Rs.Lakhs)


Mar-2016 Mar-2017 Mar-2018 Mar-2019 Mar-2020

Opening Balance 0.00 5.06 3.79 2.52 1.25

Receipt 6.33 0.00 0.00 0.00 0.00

Total 6.33 5.06 3.79 2.52 1.25

Repay 1.27 1.27 1.27 1.27 1.27

Closing Balance 5.06 3.79 2.52 1.25 -0.02

Average 2.53 4.43 3.16 1.89 0.62

Interest 0.30 0.53 0.38 0.23 0.07

Name of Business Enterprises : KISHORE PHYSIO CARE PHYSICAL FITNESS & PHYSIOTHERAPY CENTRE

Working Capital (Rs.Lakhs)


Mar-2016 Mar-2017 Mar-2018 Mar-2019 Mar-2020

Stock 0.00 0.00 0.00 0.00 0.00

Sundry Debtors 1.22 1.50 1.88 2.00 2.25

Loans & Advances 0.00 0.00 0.00 0.00 0.00

Cash & Bank Balance 2.96 6.58 11.69 17.68 24.64

Total Current Assets 4.18 8.08 13.57 19.68 26.89

Sundry Creditors 0.00 0.00 0.00 0.00 0.00

Working capital 4.18 8.08 13.57 19.68 26.89