PROJECT AT A GLANCE
1 PROJECT REPORT ON
2 NAME OF THE CONCERN
3 LOCATION OF THE UNIT
4 NAME OF OPERATING MEMBER
REGISTRATION NUMBER
5 ADD
6 MAN POWER REQUIREMENT
ON SALARY
7 COST OF PROJECT
(RS. IN THOUSANDS)
LAND
SITE DEVELOPMENT
TOOLS & EQUIPMENT
WORKING CAPITAL DURING
8 MEANS OF FINANCE
(RS. IN THOUSANDS)
PROMOTERS CONTRIBITION
MARGIN MONEY ASSISTANCE
TERM LOAN
WORKING CAPITAL LIMITS
9 DEBT SERVICE COVERAGE RATIO
11 NET RECIEPT
12 NET PROFITE
: INTERNET SERVICE PROVIDER
:
: SEMNARI ROAD
ASHTA
DISTRICT - SEHORE
: MR. SANTOSH THAKUR
S/O MAKHAN SINGH
:
:
CHANDAN NAGAR
ASHTA
DISTRICT - SEHORE
(FIGURES IN 000)
:
NOS. SALARY/
ANNUM
2 216
2 216
: 0
: 0
: 700.00
: 0
700.00
: 1240.00
: 0.00
: 960.00
: 0
2200.00
: 4.01
4290
692
 LIST OF ANNEXURES

SR. NO. DESCRIPTION ANNEXURE NUMBER

1 COST OF THE PROJECT & MEANS OF FINANCE ANNEXURE - A

2 OPERATING CYCLE OF THE PROJECT ANNEXURE - B

3 NA ANNEXURE - C

4 MANPOWER AND ANNUAL SALARIES ANNEXURE - D

5 CALCULATION OF INDIRECT EXP. ANNEXURE - E

6 Deatails of Tools & Equipment ANNEXURE - F

7 Deatails of Working Capital ANNEXURE - G

8 ESTIMATES OF DEPRECICATION ANNEXURE - H

9 ESTIMATES OF FINANCIAL CHARGES ANNEXURE - I

10 COMPUTATION OF INCOME TAX LIABILITY ANNEXURE - J

11 PROJECTED BALANCE SHEET STATEMENT ANNEXURE - K

12 ESTIMAITON OF DEBT SERVICE COVERAGE RAITO ANNEXURE - L

13 Cash Flow Statement ANNEXURE - M

 ANNEXURE - A

COST OF THE PROJECT & MEANS OF FINANCE

S.No. DESCRIPTION AMOUNT

A. COST OF PROJECT

A.1 700000.00
Cash VAN

A.2 500000.00
Deposite for ATM (1,00,000 lack/ ATM) - 5 ATM

A.3
Working capital
5000000.00
- ATM Cash (10,00,000 lack/ ATM) - 5 ATM

TOTAL (A) 6200000.00

B. MEANS OF FINANCE

B.1 EQUITY :

B.1.a Promotors Contribution 20% of Project Cost Approx

1240000.00

B.2 DEBT :

B.2.a TERM LOAN (With Interest @ 10.00%) 80% of Capital Cost

960000.00
B.2.b CC Limit (With Interest @ 10.00%) 80% of Working Capital Cost
4000000.00

TOTAL (B1+B2) 6200000.00

 ANNEXURE - B

OPERATING CYCLE OF THE PROJECT

S.No. PARTICULARS OPERATING YEARS

I II III IV V
Business Start Year 2020-21

1 TURNOVER/ RECIEPTS
ATM Charges Rs. 11/ Transaction 4290000 4504500 4729725 4966211 5214522
(Avg. Weekly Minimum - 1500 Transaction)
(1500 Tran. x 52 weeks x Rs.11 x 5 ATM)

TOTAL INCOME 4290000 4504500 4729725 4966211 5214522

2 MAGER EXP.
a ATM Maintanance Charges (EPS) 660000 693000 727650 764033 802234
(11000/ Month for 5 ATM
b Cash Loading Exp. 600000 630000 661500 694575 729304
(10000/ Month for 5 ATM
3 Salary 1080000 1134000 1190700 1250235 1312747
4 INDIRECT EXP. 600000 630000 661500 694575 729304
(EXCEPT - DEP., INST.& PRE-OP.EXP.)

TOTAL EXPENCES 2940000 3087000 3241350 3403418 3573588

5 TERM LOAN INTEREST 10.00% 88989 72677 54657 34750 12759

6 CC LIMIT INTEREST 10.00% 400000 400000 400000 400000 400000
7 DEPRECIATION (WDV) 105000 89250 75863 64483 54811

INTERST, DEPRECIATION & PRE- OPE. EXP. 593989 561927 530519 499233 467569

8 NET PROFIT BEFORE TAX (NPBT) 756011 855573 957856 1063561 1173364

9 TAX LIABILITY 63702 83615 104071 131568 164509

10 NET PROFIT AFTER TAX (NPAT) 692309 771959 853785 931993 1008855

11 ADD: DEPRECIATION (WDV), INTEREST 193989 161927 130519 99233 67569

12 CASH AVAILABLITY FOR LIQUDATION- 886298 933885 984304 1031225 1076424

OF LOANS
13 DSCR : 3.62 3.82 4.02 4.21 4.40
AVERAGE DSCR 4.01

Note: Income and Exp. Will increase by 5% for Money inflation

 ANNEXURE - C

MANPOWER AND ANNUAL SALARIES

SINGLE ATM 5 - ATM

(Figures in Rs.) (Figures in Rs.)
NOS. SALARY/ ANNUAL ANNUAL
S.No. CATEGORY REQUIRED MONTH SALARY SALARY

1 CRA 1 10000 120000 600000

2 Guard 1 8000 96000 480000

TOTAL 2 18000 216000.00 1080000.00

TOTAL ANNUAL SALARIES 216000.00 1080000.00

 ANNEXURE - D

CALCULATION OF INDIRECT EXP.

SINGLE ATM 5 - ATM

(Figures in Rs.) (Figures in Rs.)
S.No. CATEGORY EXP./MONTH ANNUAL EXP. ANNUAL EXP.

1 Electricity 3000 36000 180000

2 Rent 5000 60000 300000

3 Misc. Exp. (excl.. Rent) 2000 24000 120000

TOTAL 10000 120000.00 600000.00

TOTAL ANNUAL INDIRECT EXP. 120000.00 600000.00

 ANNEXURE - E

Deatails of Tools & Equipment

Sr. No. Particular Unit Cost Amount

1 Cash Van 700000

(The detail Description placed in Quotation)

TOTAL 700000

ANNEXURE - F

Deatails of Working Capital

Sr. No. Particular Amount

TOTAL 0
 ANNEXURE - G

ESTIMATES OF DEPRECICATION

S.No. PARTICULARS Equipment Construction & TOTAL ASSETS

Furniture

1 ESTIMATED COSTS 700000.00 0.00 700000.00

2 CONTINGENCIES @ 1% 0.00 0 0.00

OTHER 0 0 0.00
TOTAL 700000.00 0.00 700000.00

A) DEP. WITH STRAIGHT LINE

METHOD (SLM)

RATE OF DEPRECIATON

AMOUNT PER YEAR 0.00 0.00 0.00

B) DEP. WITH WRITTEN DOWN VALUE

METHOD (WDV)

RATE OF DEPRECIATION 15% 10% TOTAL DEP.

DEPRECIATION DURING YEARS

I 105000.00 0.00 105000.00
II 89250.00 0.00 89250.00
III 75862.50 0.00 75862.50
IV 64483.13 0.00 64483.13
V 54810.66 0.00 54810.66
 ANNEXURE - H
ESTIMATES OF FINANCIAL CHARGES

TERM LOAN Rs. 960000.00 RATE OF INTEREST @ 10.00%

INTEREST CHARGE ON MONTHLY BASIS

Months Op. Balance Interest Installment Out. Balance

1 960000 8000 20397 947603
2 947603 7897 20397 935102
3 935102 7793 20397 922498
4 922498 7687 20397 909788
5 909788 7582 20397 896972
6 896972 7475 20397 884050
7 884050 7367 20397 871020
8 871020 7259 20397 857881
9 857881 7149 20397 844633
10 844633 7039 20397 831275
11 831275 6927 20397 817805
12 817805 6815 20397 804223
13 804223 6702 20397 790527
14 790527 6588 20397 776718
15 776718 6473 20397 762793
16 762793 6357 20397 748753
17 748753 6240 20397 734595
18 734595 6122 20397 720320
19 720320 6003 20397 705925
20 705925 5883 20397 691411
21 691411 5762 20397 676775
22 676775 5640 20397 662018
23 662018 5517 20397 647138
24 647138 5393 20397 632133
25 632133 5268 20397 617004
26 617004 5142 20397 601749
27 601749 5015 20397 586366
28 586366 4886 20397 570855
29 570855 4757 20397 555215
30 555215 4627 20397 539445
31 539445 4495 20397 523543
32 523543 4363 20397 507509
33 507509 4229 20397 491341
34 491341 4095 20397 475038
35 475038 3959 20397 458600
36 458600 3822 20397 442024
37 442024 3684 20397 425310
38 425310 3544 20397 408458
39 408458 3404 20397 391464
40 391464 3262 20397 374329
41 374329 3119 20397 357051
42 357051 2975 20397 339630
43 339630 2830 20397 322063
44 322063 2684 20397 304350
45 304350 2536 20397 286489
46 286489 2387 20397 268479
47 268479 2237 20397 250319
48 250319 2086 20397 232008
49 232008 1933 20397 213544
50 213544 1780 20397 194926
51 194926 1624 20397 176154
52 176154 1468 20397 157225
53 157225 1310 20397 138138
54 138138 1151 20397 118892
55 118892 991 20397 99485
56 99485 829 20397 79917
57 79917 666 20397 60186
58 60186 502 20397 40290
59 40290 336 20397 20229
60 20229 169 20397 0
 ANNEXURE - I

COMPUTATION OF INCOME TAX LIABILITY

S.No. PARTICULARS I II III IV V

1 PROFIT BEFORE TAX (NPBT) 756011 855573 957856 1063561 1173364

2 LESS : B\F LOSSES 0 0 0 0 0

3 NET BALANCE 756011 855573 957856 1063561 1173364

4 DEDUCTION

TOTAL 756011 855573 957856 1063561 1173364

5 NET TAXABLE INCOME 756011 855573 957856 1063561 1173364

6 TAX APPLICABLE @ 63702 83615 104071 131568 164509

OF Current Rates
 ANNEXURE - J
PROJECTED BALANCE SHEET STATEMENT
S.No. PARTICULARS
I II III IV V

A. LIABILITIES :
1 PROMOTER CONTRIBUTION 1240000 1632309 2004268 2358053 2690045
ADD: RESERVE & SURPLUS 692309 771959 853785 931993 1008855
Less: Drowing 300000 400000 500000 600000 700000
1632309 2004268 2358053 2690045 2998900

4 LONG TERM LOAN 804223 632133 442024 232008 0

5 CC Limit 4000000 4000000 4000000 4000000 4000000

TOTAL 6436532 6636401 6800077 6922053 6998901

B. ASSETS :
1 GROSS BLOCK 700000 595000 505750 429888 365404
LESS : DEPRECIATION 105000 89250 75863 64483 54811
NET BLOCK 595000 505750 429888 365404 310594

2 ATM DEPOSITE 500000 500000 500000 500000 500000

4 CASH & BANK BALANCE 5341532 5630651 5870189 6056649 6188307

TOTAL 6436532 6636401 6800077 6922053 6998901

CAPITAL EMPLOYED 1632309 2004268 2358053 2690045 2998900

0 0 0 0 0
DER 2.94 2.31 1.88 1.57 1.33
CR: 1.34 1.41 1.47 1.51 1.55
 ANNEXURE - K

ESTIMAITON OF DEBT SERVICE COVERAGE RAITO

S.No. PARTICULARS OPERATING YEARS

I II III IV V

A. SERVICES :

1 PROFIT AFTER TAX 692309 771959 853785 931993 1008855

2 DEPRECIATION (WDV) 105000 89250 75863 64483 54811

3 INTEREST ON TERM LOAN 88989 72677 54657 34750 12759

4 0 0 0 0 0 0

TOTAL 886298 933885 984304 1031225 1076424

B. DEBT :

1 INSTALMENT ON TERM LOAN 244766 244766 244766 244766 244766

TOTAL 244766 244766 244766 244766 244766

C. DEBT SERVICE COVERAGE RATIO: 3.62 3.82 4.02 4.21 4.40

 ANNEXURE - L
Cash Flow Statement
For the Year Ending I II III IV V
Cash at Beginning of Year - 5,341,532 5,630,651 5,870,189 6,056,649

Operations
Cash receipts for Traning
4,290,000 4,504,500 4,729,725 4,966,211 5,214,522
Cash paid for
ATM Maintanance Charges (EPS) (660,000) (693,000) (727,650) (764,033) (802,234)
Cash Loading Exp. (600,000) (630,000) (661,500) (694,575) (729,304)
Salary (1,080,000) (1,134,000) (1,190,700) (1,250,235) (1,312,747)
INDIRECT EXP. (600,000) (630,000) (661,500) (694,575) (729,304)
INTEREST (488,989) (472,677) (454,657) (434,750) (412,759)
Income taxes (63,702) (83,615) (104,071) (131,568) (164,509)
Net Cash Flow from Operations 797,309 861,209 929,647 996,476 1,063,666

Investing Activities
Cash receipts from

Cash paid for

Equipments (700,000)
Deposite (500,000)

Net Cash Flow from Investing Activities (1,200,000) - - - -

Financing Activities
Cash receipts from
Borrowing TL 960,000
CC Limit 4,000,000
Margin money 1,240,000
Cash paid for
Repayment of loans (Principle Amount) (155,777) (172,089) (190,109) (210,016) (232,007)
Withdrowal (300,000) (400,000) (500,000) (600,000) (700,000)

Net Cash Flow from Financing Activities 5,744,223 (572,089) (690,109) (810,016) (932,007)

Net Increase in Cash 5,341,532 289,119 239,538 186,460 131,658

Cash at End of Year 5,341,532 5,630,651 5,870,189 6,056,649 6,188,307