Mr.

Vinod Singh
Village Hadiyari, P.O. Badhan Gaon, Chinyalisaur, Uttarkashi 249196

Project Overview
Mr. Vinod Singh s/o shri Kundan Singh is having land in its own name in village Hadiyari, Chinnyalsiour, Uttarkashi. My financial
health is very good and I have not incurred any losses in last 5 years.
To promote tourism in the nearby area and to generate additional revenue, I wants to enter into tourism business with Homestay
business model primarily starting with 6 Master Bed Rooms with attached Bath and Kitchens.

Objective
The Tourism-Homestay shall have the following objectives:
(a) To diversify business and generate additional income in tourism sector
(b) To Broaden the stake holder's base for tourism in the State
(c) To Take tourism to the interior areas of the State
(d) To generate employment and economic values in the interior areas

Services to Offer
1. Home Stay (Main Activity)
2. Tours & Travels (Part of Main Activity)
3. Food & Beverages (Part of Main Activity)

Key Activities –
 comfortable economic Homestay at interiors of the State
 Sight Seeing facility
 Local cultural Experience through involvement in local festivals
 Local food habit experience

Key Resources –
 Comfortable as well as modernise home stay arrangements
 Direct as well as indirect approach to attract tourist (e.g. Uttarakhand Tourism or tie with private partners i.e. OYO etc.)
 Transportation, additional beddings and other additional feasible requirements may be the additional revenue stream

Value Proposition
 Economical availability of Home Stay arrangements in rural/urban area to explore untouched beauty of Uttarakhand state.
 Cross Cultural living experience
 Availability of homely stay as very low cost

Customer Relationships
 To develop Friendly and familiar relationship with tourist
 Self-service arrangement (e.g. self-cooking etc.)

Channels
 Through Uttarakhand tourism dept.
 Through Pvt partners (e.g. OYO, GoIbibo etc.)
 Self-Promotion activities

Customer Segments
 Domestic Customer
 Foreign Tourist

Key Partners
 State Govt
 Tourism Dept
 Pvt partners
 Local Suppliers
 Local People

MARKET POTENTIAL
The market for home stay facilities is in the early stage of development. The relevant segments now are:
 Individual foreign tourists
 Students, young professionals and domestic tourists
There are other potential sub-segments, e.g., elderly domestic tourists, long-stay tourists and tourist-families for whom, the concept is
appropriate.
 Mr. Vinod Singh
Village Hadiyari, P.O. Badhan Gaon, Chinyalisaur, Uttarkashi 249196
PAN : BRFPS6963P

PROJECT REPORT

HOMESTAY PROJECT
Annexure No. Particulars
1 Cost of project & means of finance
2 Cost of the project Particulars (Breakup of rate for construction considered)
3 Details of receipts
4 Projected profitability statement
5 Projected balance sheet
6 Projected cash flow statement
7 Calculation of depreciation
8 Repayment of term loan
9 Calculation of debt service coverage ratio

Date: 07-09-2021
Place: Uttarkashi, Uttarakhand

Mr. Vinod Singh

Mr. Vinod Singh
Village Hadiyari, P.O. Badhan Gaon, Chinyalisaur, Uttarkashi 249196 Annexure-1

Cost of project & means of finance

COST OF PROJECT

Land Area (Map Attached) 180 Sq. M.

Floors Double Storey
No. of Rooms 6 Rooms

6 Rooms Homestay
Construction Cost (Aprx) 2,700,000.00

MEANS OF FINANCE Amount (In Rs.)

Promoter's Contribution (Margin @25%) 675,000.00
Bank loan 2,025,000.00

Total 2,700,000.00
0
 Mr. Vinod Singh
Village Hadiyari, P.O. Badhan Gaon, Chinyalisaur, Uttarkashi 249196 Annexure-2

Cost of the project Particulars (Breakup of rate for construction considered)

Part-I - Foundation Work

PARTICULARS Unit Qty Rate Amount (Rs.)
1. EARTHWORK
a. Earth work In EXCAVATION Trenches in soft or loos soil cum 70.00 210.00 14,700.00
b. Plinth tilling with sand under flooring L/C running consolidation & dressing complete cum 140.00 650.00 91,000.00
2. CONCRETE WORK
P/ L CC in foundation footing & base of columns excluding the cost of centering & shutting 1:2:4 cum 21.00 3,560.00 74,760.00
3. MASONARV WORK IN FOUNDATION
a. First class brick work in foundation & plinth in cement mortar 1:6 cum 14.00 4,580.00 64,120.00

Total 244,580.00

Part-II - MASONARY WORK IN SUPER STRUCTURE

PARTICULARS Unit Qty Rate Amount (Rs.)
1. First class brick work in super structure in cement mortar 1:6 cum 26.00 3,980.00 103,480.00
2. D.P.C
40mm thick damp prod course with cement 1:2:4 sqm. 24.00 250.00 6,000.00

Total 109,480.00

Part-III - STEEL AND R.C.C WORK IN BUILDING

PARTICULARS Unit Qty Rate Amount (Rs.)
1. R.C.C
a. R.C.C work in lintels, pillars & beams including thee cst of centering & shutting but excluding the cost of reinforcement cum 5.00 4,250.00 21,250.00
b. R.C.C work in chajjas & shelves including cost of centering & shutting but excluding the cost of reinforcement cum 3.00 5,620.00 16,860.00
c. R.C.C work in roof & balconies including the cost of centering & shutting but excluding the cost reinforcement cum 19.00 5,620.00 106,780.00

2. STEELWORK:
a. M. S reinforcement for R.C.C work including bonding binding & planning In position completer kg. 3,210.00 65.00 208,650.00
b. M.S grill ornamental as pwe design including welding & fixed in window frame kg. 2,178.00 70.00 152,460.00

Total 506,000.00
 Part-IV - FLOORING AND ROOFlNG WORK
PARTICULARS Unit Qty Rate Amount (Rs.)
1. FLOORING
a. 40mm thick marble stone flooring sqm. 180.00 980.00 176,400.00
b. Marble chips skirting rubbed & polished to granolithic finish top layer 6mm thick with marble chips of size smallest.to 4mm nominal size lead in
cement marble powder 3:1 with ordinary cement. 18mm thick with under layer of 12mm thick cement plaster 1:3 sqm. 160.00 1,100.00 176,000.00
2. ROOFlNG
a. Lime concrete terracting on roof average thickness 10cm to all with 25mm nominal size brick aggregate & 50mmm Lime mortar 1:2 rummed &
finished with gure & belgiri treatment complete coated with 1:3 over 12mm thick sqm. 147.00 150.00 22,050.00

Total 374,450.00

Part-V - FINISHING WORK

PARTICULARS Unit Qty Rate Amount (Rs.)
1. WOOD WORK
a. Providing wood work in frame of doors & window & other frames framed and fixed in position complete of Sal wood cum 11.00 35,600.00 391,600.00
b. P/F 40mm thick paneled and glazed shutter for door & window black enameled M.S butt hinges with necessary of India teak wood sqm. 90.00 1,050.00 94,500.00

2. PLASTER AND PAINT

a. 11.mm cement plaster 1.:6 - 358.00 110.00 39,380.00
b. distemper and snowcem or three or more coats on new work - 358.00 36.00 12,888.00
c. Painting two or more coats on new work with superior class ready mixed paint -
i. On woodwork sqm. 88.00 150.00 13,200.00
ii. On steel work sqm. 84.00 120.00 10,080.00

3. MISC WORK
a. Flat iron hold fast nos. 160.00 12.00 1,920.00
b. P/L C.I Rain water pipe mtr. 157.00 65.00 10,205.00
c. P/F C.L Head complete nos. 13.00 50.00 650.00
d. P/F C.L Shoe complete nos. 13.00 150.00 1,950.00
e. P/f Glass strips in flooring L&S 4,500.00
f. S/F almiraha and Aluminium fittings L&S 345,000.00

Total 925,873.00

Total (Part-I to Part-V) 2,160,383.00

Add: 15% for sanitary work 324,057.45

Add: 10% for electric fittings 216,038.30

Grand Total 2,700,478.75

Rounded off 2,700,000.00

Mr. Vinod Singh
Village Hadiyari, P.O. Badhan Gaon, Chinyalisaur, Uttarkashi Annexure-3

Details of receipts
(in Rs.)
Particulars 1 2 3 4 5 6 7 8 9 10
Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected

Potential Rental Income 2,655,000.00 2,655,000.00 2,655,000.00 2,655,000.00 2,655,000.00 2,655,000.00 2,655,000.00 2,655,000.00 2,655,000.00 2,655,000.00

(General Vacancy) 1,327,500.00 1,062,000.00 796,500.00 531,000.00 265,500.00 265,500.00 265,500.00 265,500.00 265,500.00 265,500.00

Effective Rental Income 1,327,500.00 1,593,000.00 1,858,500.00 2,124,000.00 2,389,500.00 2,389,500.00 2,389,500.00 2,389,500.00 2,389,500.00 2,389,500.00

Expected Annual Earning

% age of No of Expected
Occupancy Occupancy Earning/
Season Month No of Days Cost/Room/Day Units Days Days Outcome
Peak Season Apr- Oct 210.00 2,000.00 6.00 80% 168.00 2,016,000.00
Mid- Season Nov-Jan 90.00 1,500.00 6.00 70% 63.00 567,000.00
Off- Season Feb-Mar 60.00 500.00 6.00 40% 24.00 72,000.00
Total (Annual Earning Approximation) 2,655,000.00

Expected Capacity Utilisation Year-wise

% Capacity
Year Utilization
1st year 50.00%
2nd Year 60.00%
3rd year 70.00%
4th year 80.00%
5th year 90.00%

Home-Stay Room Tariff Chart

Season Month Cost/Room
Peak Season Apr- Oct 2,000.00
Mid-Season Nov-Jan 1,500.00
Off-Season Feb-Mar 500.00
 Mr. Vinod Singh
Village Hadiyari, P.O. Badhan Gaon, Chinyalisaur, Uttarkashi 249196 Annexure-4

Projected profitability statement

(in Rs.)
Particulars 1 2 3 4 5 6 7 8 9 10
Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected

A. Receipts 1,327,500.00 1,593,000.00 1,858,500.00 2,124,000.00 2,389,500.00 2,389,500.00 2,389,500.00 2,389,500.00 2,389,500.00 2,389,500.00
1,327,500.00 1,593,000.00 1,858,500.00 2,124,000.00 2,389,500.00 2,389,500.00 2,389,500.00 2,389,500.00 2,389,500.00 2,389,500.00
B. Expenses
i) Operational Expenses 240,000.00 264,000.00 290,400.00 319,440.00 351,384.00 386,522.40 425,174.64 467,692.10 514,461.31 565,907.45
240,000.00 264,000.00 290,400.00 319,440.00 351,384.00 386,522.40 425,174.64 467,692.10 514,461.31 565,907.45

C Gross Margin (A - B) 1,087,500.00 1,329,000.00 1,568,100.00 1,804,560.00 2,038,116.00 2,002,977.60 1,964,325.36 1,921,807.90 1,875,038.69 1,823,592.55

D Admn. & Selling Expenses 180,000.00 198,000.00 217,800.00 239,580.00 263,538.00 289,891.80 318,880.98 350,769.08 385,845.99 424,430.58

E Profit before Depreciation & Tax 907,500.00 1,131,000.00 1,350,300.00 1,564,980.00 1,774,578.00 1,713,085.80 1,645,444.38 1,571,038.82 1,489,192.70 1,399,161.97

F Financial Expenses
Interest on Term Loan 209,426.72 209,253.40 205,146.19 200,608.89 195,596.48 190,059.21 183,942.11 177,184.48 169,719.23 161,472.27

Profit before Depreciation & Tax 698,073.28 921,746.60 1,145,153.81 1,364,371.11 1,578,981.52 1,523,026.59 1,461,502.27 1,393,854.34 1,319,473.47 1,237,689.70

Depreciation - 270,000.00 243,000.00 218,700.00 196,830.00 177,147.00 159,432.30 143,489.07 129,140.16 116,226.15

Profit before Tax 698,073.28 651,746.60 902,153.81 1,145,671.11 1,382,151.52 1,345,879.59 1,302,069.97 1,250,365.27 1,190,333.31 1,121,463.56

Income Tax

Profit after Tax. 698,073.28 651,746.60 902,153.81 1,145,671.11 1,382,151.52 1,345,879.59 1,302,069.97 1,250,365.27 1,190,333.31 1,121,463.56

Cash Accruals 698,073.28 921,746.60 1,145,153.81 1,364,371.11 1,578,981.52 1,523,026.59 1,461,502.27 1,393,854.34 1,319,473.47 1,237,689.70

Assumptions:
Inflation = Ignored for the sake of simplicity
Income Tax Rate = 31.
Mr. Vinod Singh
Village Hadiyari, P.O. Badhan Gaon, Chinyalisaur, Uttarkashi 249196 Annexure-5

Projected balance sheet

(in Rs.)
Particulars 1 2 3 4 5 6 7 8 9 10
Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected

Liabilities
Share Capital 675,000.00 675,000.00 675,000.00 675,000.00 675,000.00 675,000.00 675,000.00 675,000.00 675,000.00 675,000.00
Reserves & Surplus 698,073.28 1,349,819.88 2,251,973.69 3,397,644.80 4,779,796.32 6,125,675.91 7,427,745.87 8,678,111.14 9,868,444.46 10,989,908.01
Term Loan 2,070,964.74 2,027,634.01 1,979,765.98 1,926,885.54 1,868,467.83 1,803,933.03 1,732,640.58 1,653,882.89 1,566,878.24 1,566,878.24
Cash Credit Limit - - - - - - - - - -
Unsecured loans - - - - - - - - - -
Unsecured loans - - - - - - - - - -
Other Current liablities 39,223.52 43,330.73 47,868.03 52,880.44 58,417.71 64,534.81 71,292.44 78,757.69 87,004.65 -

Total 3,483,261.54 4,095,784.62 4,954,607.70 6,052,410.78 7,381,681.86 8,669,143.74 9,906,678.90 11,085,751.73 12,197,327.34 13,231,786.25

Assets

Fixed Assets
-Gross block 2,700,000.00 2,700,000.00 2,430,000.00 2,187,000.00 1,968,300.00 1,771,470.00 1,594,323.00 1,434,890.70 1,291,401.63 1,162,261.47
-Less: Dep. - (270,000.00) (243,000.00) (218,700.00) (196,830.00) (177,147.00) (159,432.30) (143,489.07) (129,140.16) (116,226.15)
-Net block 2,700,000.00 2,430,000.00 2,187,000.00 1,968,300.00 1,771,470.00 1,594,323.00 1,434,890.70 1,291,401.63 1,162,261.47 1,046,035.32

Current Assets
Current Investment - - - - - - - - - -
Stock - - - - - - - - - -
Debtors - - - - - - - - - -
Cash & Bank balances 698,073.28 1,601,625.18 2,728,584.30 4,074,760.71 5,635,547.52 7,140,379.41 8,583,686.98 9,959,346.63 11,260,625.40 12,480,120.41

Total 3,398,073.28 4,031,625.18 4,915,584.30 6,043,060.71 7,407,017.52 8,734,702.41 10,018,577.68 11,250,748.26 12,422,886.87 13,526,155.73
(85,188.26) (64,159.44) (39,023.40) (9,350.07) 25,335.66 65,558.67 111,898.78 164,996.53 225,559.52 294,369.48
Mr. Vinod Singh
Village Hadiyari, P.O. Badhan Gaon, Chinyalisaur, Uttarkashi 249196 Annexure-6

Projected cash flow statement

(in Rs.)
Particulars 1 2 3 4 5 6 7 8 9 10
Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected
Cash Inflows

Cash Accruals 698,073.28 921,746.60 1,145,153.81 1,364,371.11 1,578,981.52 1,523,026.59 1,461,502.27 1,393,854.34 1,319,473.47 1,237,689.70
Increase in Capital 675,000.00 - - - - - - - -
Term Loan Raised 2,025,000.00 - - - - - - - - -
Increase in Other Secured Loan - - - - - - - - - -
Increase in Unsecured Loan - - - - - - - - - -
Increase in other liabilities - - - - - - - - - -

Total 3,398,073.28 921,746.60 1,145,153.81 1,364,371.11 1,578,981.52 1,523,026.59 1,461,502.27 1,393,854.34 1,319,473.47 1,237,689.70

Cash Out Flows

Capital Expenditure 2,700,000.00 - - - - - - - - -

Repayment of Term Loan 18,194.70 18,194.70 18,194.70 18,194.70 18,194.70 18,194.70 18,194.70 18,194.70 18,194.70
Replacement& Expansion - - - - - - - - - -
Increase in Debtors - - - - - - - - - -
Increase in Stock - - - - - - - - - -

Total 2,700,000.00 18,194.70 18,194.70 18,194.70 18,194.70 18,194.70 18,194.70 18,194.70 18,194.70 18,194.70

Opening Balance - 698,073.28 1,601,625.18 2,728,584.30 4,074,760.71 5,635,547.52 7,140,379.41 8,583,686.98 9,959,346.63 11,260,625.40

Surplus / Defecit 698,073.28 903,551.90 1,126,959.12 1,346,176.41 1,560,786.82 1,504,831.89 1,443,307.57 1,375,659.64 1,301,278.78 1,219,495.01

Closing Balance 698,073.28 1,601,625.18 2,728,584.30 4,074,760.71 5,635,547.52 7,140,379.41 8,583,686.98 9,959,346.63 11,260,625.40 12,480,120.41
Mr. Vinod Singh
Village Hadiyari, P.O. Badhan Gaon, Chinyalisaur, Uttarkashi 249196 Annexure-7

Calculation of depreciation
(In Rs.)
Particulars Building & Furniture Plant & Machinery Total
Rate of Depreciation 10% 15%

1st Year
Opening WDV - - -
Additions 2,700,000.00 - 2,700,000.00
Total 2,700,000.00 - 2,700,000.00
Depreciation - - -

2nd Year
Opening WDV 2,700,000.00 - 2,700,000.00
Additions - - -
Total 2,700,000.00 - 2,700,000.00
Depreciation 270,000.00 - 270,000.00
-
3rd Year
Opening WDV 2,430,000.00 - 2,430,000.00
Additions - - -
Total 2,430,000.00 - 2,430,000.00
Depreciation 243,000.00 - 243,000.00
-
4rth Year
Opening WDV 2,187,000.00 - 2,187,000.00
Additions - - -
Total 2,187,000.00 - 2,187,000.00
Depreciation 218,700.00 - 218,700.00
-
5th Year
Opening WDV 1,968,300.00 - 1,968,300.00
Additions - - -
Total 1,968,300.00 - 1,968,300.00
Depreciation 196,830.00 - 196,830.00
-
6th Year
Opening WDV 1,771,470.00 - 1,771,470.00
Additions - - -
Total 1,771,470.00 - 1,771,470.00
Depreciation 177,147.00 - 177,147.00

7th Year
Opening WDV 1,594,323.00 - 1,594,323.00
Additions - - -
Total 1,594,323.00 - 1,594,323.00
Depreciation 159,432.30 - 159,432.30

8th Year
Opening WDV 1,434,890.70 - 1,434,890.70
Additions - - -
Total 1,434,890.70 - 1,434,890.70
Depreciation 143,489.07 - 143,489.07

9th Year
Opening WDV 1,291,401.63 - 1,291,401.63
Additions - - -
Total 1,291,401.63 - 1,291,401.63
Depreciation 129,140.16 - 129,140.16

10th Year
Opening WDV 1,162,261.47 - 1,162,261.47
Additions - - -
Total 1,162,261.47 - 1,162,261.47
Depreciation 116,226.15 - 116,226.15

Note:
Depreciation is calculated as per the Income tax Act, 1961 & rules therein
Depreciation is not booked for 1st year because asset is not put to use.
Mr. Vinod Singh
Village Hadiyari, P.O. Badhan Gaon, Chinyalisaur, Uttarkashi 249196 Annexure-8

Repayment of term loan

(in Rs.)
EMI CALCULATOR

LOAN AMOUNT 2,025,000.00

RATE OF INTEREST PER ANNUM 10.00%

RATE OF INTEREST PER MONTH 0.833%

NO OF INSTALLMENT 234

EMI 20,706.41

MORATORIUM PERIOD 6 MONTHS

(in Rs.)
CALCULATION OF DETAILS OF EMI

MONTHS EMI INTEREST PRINCIPAL REPAYMENT OST PRINCIPAL - Year

0 - - - 2,025,000.00 0
1 - 16,875.00 - 2,041,875.00 1
2 - 17,015.63 - 2,058,890.63 1
3 - 17,157.42 - 2,076,048.05 1
4 - 17,300.40 - 2,093,348.45 1
5 - 17,444.57 - 2,110,793.02 1
6 - 17,589.94 - 2,128,382.96 1
7 20,706.41 17,736.52 2,969.89 2,125,413.07 1
8 20,706.41 17,711.78 2,994.63 2,122,418.44 1
9 20,706.41 17,686.82 3,019.59 2,119,398.85 1
10 20,706.41 17,661.66 3,044.75 2,116,354.10 1
11 20,706.41 17,636.28 3,070.13 2,113,283.97 1
12 20,706.41 17,610.70 3,095.71 2,110,188.26 1
13 20,706.41 17,584.90 3,121.51 2,107,066.75 2
14 20,706.41 17,558.89 3,147.52 2,103,919.23 2
15 20,706.41 17,532.66 3,173.75 2,100,745.48 2
16 20,706.41 17,506.21 3,200.20 2,097,545.29 2
17 20,706.41 17,479.54 3,226.87 2,094,318.42 2
18 20,706.41 17,452.65 3,253.76 2,091,064.66 2
19 20,706.41 17,425.54 3,280.87 2,087,783.79 2
20 20,706.41 17,398.20 3,308.21 2,084,475.58 2
21 20,706.41 17,370.63 3,335.78 2,081,139.80 2
22 20,706.41 17,342.83 3,363.58 2,077,776.22 2
23 20,706.41 17,314.80 3,391.61 2,074,384.61 2
24 20,706.41 17,286.54 3,419.87 2,070,964.74 2
25 20,706.41 17,258.04 3,448.37 2,067,516.37 3
26 20,706.41 17,229.30 3,477.11 2,064,039.26 3
27 20,706.41 17,200.33 3,506.08 2,060,533.18 3
28 20,706.41 17,171.11 3,535.30 2,056,997.88 3
29 20,706.41 17,141.65 3,564.76 2,053,433.12 3
30 20,706.41 17,111.94 3,594.47 2,049,838.65 3
31 20,706.41 17,081.99 3,624.42 2,046,214.23 3
32 20,706.41 17,051.79 3,654.62 2,042,559.61 3
33 20,706.41 17,021.33 3,685.08 2,038,874.53 3
34 20,706.41 16,990.62 3,715.79 2,035,158.74 3
35 20,706.41 16,959.66 3,746.75 2,031,411.98 3
36 20,706.41 16,928.43 3,777.98 2,027,634.01 3
37 20,706.41 16,896.95 3,809.46 2,023,824.55 4
38 20,706.41 16,865.20 3,841.21 2,019,983.34 4
39 20,706.41 16,833.19 3,873.22 2,016,110.13 4
40 20,706.41 16,800.92 3,905.49 2,012,204.63 4
41 20,706.41 16,768.37 3,938.04 2,008,266.60 4
42 20,706.41 16,735.55 3,970.86 2,004,295.74 4
43 20,706.41 16,702.46 4,003.95 2,000,291.80 4
44 20,706.41 16,669.10 4,037.31 1,996,254.48 4
45 20,706.41 16,635.45 4,070.96 1,992,183.53 4
46 20,706.41 16,601.53 4,104.88 1,988,078.65 4
47 20,706.41 16,567.32 4,139.09 1,983,939.56 4
48 20,706.41 16,532.83 4,173.58 1,979,765.98 4
49 20,706.41 16,498.05 4,208.36 1,975,557.62 5
50 20,706.41 16,462.98 4,243.43 1,971,314.19 5
51 20,706.41 16,427.62 4,278.79 1,967,035.40 5
52 20,706.41 16,391.96 4,314.45 1,962,720.95 5
53 20,706.41 16,356.01 4,350.40 1,958,370.55 5
54 20,706.41 16,319.75 4,386.66 1,953,983.89 5
55 20,706.41 16,283.20 4,423.21 1,949,560.68 5
56 20,706.41 16,246.34 4,460.07 1,945,100.61 5
57 20,706.41 16,209.17 4,497.24 1,940,603.37 5
58 20,706.41 16,171.69 4,534.72 1,936,068.66 5
59 20,706.41 16,133.91 4,572.50 1,931,496.15 5
60 20,706.41 16,095.80 4,610.61 1,926,885.54 5
61 20,706.41 16,057.38 4,649.03 1,922,236.51 6
62 20,706.41 16,018.64 4,687.77 1,917,548.74 6
63 20,706.41 15,979.57 4,726.84 1,912,821.90 6
64 20,706.41 15,940.18 4,766.23 1,908,055.68 6
65 20,706.41 15,900.46 4,805.95 1,903,249.73 6
66 20,706.41 15,860.41 4,846.00 1,898,403.73 6
67 20,706.41 15,820.03 4,886.38 1,893,517.36 6
68 20,706.41 15,779.31 4,927.10 1,888,590.26 6
69 20,706.41 15,738.25 4,968.16 1,883,622.10 6
70 20,706.41 15,696.85 5,009.56 1,878,612.54 6
71 20,706.41 15,655.10 5,051.31 1,873,561.23 6
72 20,706.41 15,613.01 5,093.40 1,868,467.83 6
73 20,706.41 15,570.57 5,135.84 1,863,331.99 7
74 20,706.41 15,527.77 5,178.64 1,858,153.35 7
75 20,706.41 15,484.61 5,221.80 1,852,931.55 7
76 20,706.41 15,441.10 5,265.31 1,847,666.23 7
77 20,706.41 15,397.22 5,309.19 1,842,357.04 7
78 20,706.41 15,352.98 5,353.43 1,837,003.61 7
79 20,706.41 15,308.36 5,398.05 1,831,605.56 7
80 20,706.41 15,263.38 5,443.03 1,826,162.53 7
81 20,706.41 15,218.02 5,488.39 1,820,674.14 7
82 20,706.41 15,172.28 5,534.13 1,815,140.02 7
83 20,706.41 15,126.17 5,580.24 1,809,559.77 7
84 20,706.41 15,079.66 5,626.75 1,803,933.03 7
85 20,706.41 15,032.78 5,673.63 1,798,259.39 8
86 20,706.41 14,985.49 5,720.92 1,792,538.48 8
87 20,706.41 14,937.82 5,768.59 1,786,769.89 8
88 20,706.41 14,889.75 5,816.66 1,780,953.23 8
89 20,706.41 14,841.28 5,865.13 1,775,088.09 8
90 20,706.41 14,792.40 5,914.01 1,769,174.09 8
91 20,706.41 14,743.12 5,963.29 1,763,210.79 8
92 20,706.41 14,693.42 6,012.99 1,757,197.81 8
93 20,706.41 14,643.32 6,063.09 1,751,134.71 8
94 20,706.41 14,592.79 6,113.62 1,745,021.09 8
95 20,706.41 14,541.84 6,164.57 1,738,856.52 8
96 20,706.41 14,490.47 6,215.94 1,732,640.58 8
97 20,706.41 14,438.67 6,267.74 1,726,372.85 9
98 20,706.41 14,386.44 6,319.97 1,720,052.88 9
99 20,706.41 14,333.77 6,372.64 1,713,680.24 9
100 20,706.41 14,280.67 6,425.74 1,707,254.50 9
101 20,706.41 14,227.12 6,479.29 1,700,775.21 9
102 20,706.41 14,173.13 6,533.28 1,694,241.93 9
103 20,706.41 14,118.68 6,587.73 1,687,654.20 9
104 20,706.41 14,063.78 6,642.63 1,681,011.57 9
105 20,706.41 14,008.43 6,697.98 1,674,313.59 9
106 20,706.41 13,952.61 6,753.80 1,667,559.80 9
107 20,706.41 13,896.33 6,810.08 1,660,749.72 9
108 20,706.41 13,839.58 6,866.83 1,653,882.89 9
109 20,706.41 13,782.36 6,924.05 1,646,958.84 10
110 20,706.41 13,724.66 6,981.75 1,639,977.08 10
111 20,706.41 13,666.48 7,039.93 1,632,937.15 10
112 20,706.41 13,607.81 7,098.60 1,625,838.55 10
113 20,706.41 13,548.65 7,157.76 1,618,680.79 10
114 20,706.41 13,489.01 7,217.40 1,611,463.39 10
115 20,706.41 13,428.86 7,277.55 1,604,185.84 10
116 20,706.41 13,368.22 7,338.19 1,596,847.65 10
117 20,706.41 13,307.06 7,399.35 1,589,448.30 10
118 20,706.41 13,245.40 7,461.01 1,581,987.29 10
119 20,706.41 13,183.23 7,523.18 1,574,464.11 10
120 20,706.41 13,120.53 7,585.88 1,566,878.24 10
121 20,706.41 13,057.32 7,649.09 1,559,229.14
122 20,706.41 12,993.58 7,712.83 1,551,516.31
123 20,706.41 12,929.30 7,777.11 1,543,739.20
124 20,706.41 12,864.49 7,841.92 1,535,897.29
125 20,706.41 12,799.14 7,907.27 1,527,990.02
126 20,706.41 12,733.25 7,973.16 1,520,016.86
127 20,706.41 12,666.81 8,039.60 1,511,977.26
128 20,706.41 12,599.81 8,106.60 1,503,870.66
129 20,706.41 12,532.26 8,174.15 1,495,696.50
130 20,706.41 12,464.14 8,242.27 1,487,454.23
131 20,706.41 12,395.45 8,310.96 1,479,143.27
132 20,706.41 12,326.19 8,380.22 1,470,763.06
133 20,706.41 12,256.36 8,450.05 1,462,313.01
134 20,706.41 12,185.94 8,520.47 1,453,792.54
135 20,706.41 12,114.94 8,591.47 1,445,201.06
136 20,706.41 12,043.34 8,663.07 1,436,538.00
137 20,706.41 11,971.15 8,735.26 1,427,802.74
138 20,706.41 11,898.36 8,808.05 1,418,994.68
139 20,706.41 11,824.96 8,881.45 1,410,113.23
140 20,706.41 11,750.94 8,955.47 1,401,157.76
141 20,706.41 11,676.31 9,030.10 1,392,127.67
142 20,706.41 11,601.06 9,105.35 1,383,022.32
143 20,706.41 11,525.19 9,181.22 1,373,841.10
144 20,706.41 11,448.68 9,257.73 1,364,583.36
145 20,706.41 11,371.53 9,334.88 1,355,248.48
146 20,706.41 11,293.74 9,412.67 1,345,835.81
147 20,706.41 11,215.30 9,491.11 1,336,344.70
148 20,706.41 11,136.21 9,570.20 1,326,774.49
149 20,706.41 11,056.45 9,649.96 1,317,124.54
150 20,706.41 10,976.04 9,730.37 1,307,394.16
151 20,706.41 10,894.95 9,811.46 1,297,582.71
152 20,706.41 10,813.19 9,893.22 1,287,689.49
153 20,706.41 10,730.75 9,975.66 1,277,713.82
154 20,706.41 10,647.62 10,058.79 1,267,655.03
155 20,706.41 10,563.79 10,142.62 1,257,512.41
156 20,706.41 10,479.27 10,227.14 1,247,285.27
157 20,706.41 10,394.04 10,312.37 1,236,972.90
158 20,706.41 10,308.11 10,398.30 1,226,574.60
159 20,706.41 10,221.45 10,484.96 1,216,089.64
160 20,706.41 10,134.08 10,572.33 1,205,517.31
161 20,706.41 10,045.98 10,660.43 1,194,856.88
162 20,706.41 9,957.14 10,749.27 1,184,107.61
163 20,706.41 9,867.56 10,838.85 1,173,268.77
164 20,706.41 9,777.24 10,929.17 1,162,339.60
165 20,706.41 9,686.16 11,020.25 1,151,319.35
166 20,706.41 9,594.33 11,112.08 1,140,207.27
167 20,706.41 9,501.73 11,204.68 1,129,002.58
168 20,706.41 9,408.35 11,298.06 1,117,704.53
169 20,706.41 9,314.20 11,392.21 1,106,312.32
170 20,706.41 9,219.27 11,487.14 1,094,825.18
171 20,706.41 9,123.54 11,582.87 1,083,242.32
172 20,706.41 9,027.02 11,679.39 1,071,562.93
173 20,706.41 8,929.69 11,776.72 1,059,786.21
174 20,706.41 8,831.55 11,874.86 1,047,911.35
175 20,706.41 8,732.59 11,973.82 1,035,937.53
176 20,706.41 8,632.81 12,073.60 1,023,863.94
177 20,706.41 8,532.20 12,174.21 1,011,689.73
178 20,706.41 8,430.75 12,275.66 999,414.06
179 20,706.41 8,328.45 12,377.96 987,036.10
180 20,706.41 8,225.30 12,481.11 974,554.99
181 20,706.41 8,121.29 12,585.12 961,969.88
182 20,706.41 8,016.42 12,689.99 949,279.88
183 20,706.41 7,910.67 12,795.74 936,484.14
184 20,706.41 7,804.03 12,902.38 923,581.76
185 20,706.41 7,696.51 13,009.90 910,571.87
186 20,706.41 7,588.10 13,118.31 897,453.56
187 20,706.41 7,478.78 13,227.63 884,225.92
188 20,706.41 7,368.55 13,337.86 870,888.06
189 20,706.41 7,257.40 13,449.01 857,439.05
190 20,706.41 7,145.33 13,561.08 843,877.97
191 20,706.41 7,032.32 13,674.09 830,203.88
192 20,706.41 6,918.37 13,788.04 816,415.83
193 20,706.41 6,803.47 13,902.94 802,512.89
194 20,706.41 6,687.61 14,018.80 788,494.09
195 20,706.41 6,570.78 14,135.63 774,358.46
196 20,706.41 6,452.99 14,253.42 760,105.04
197 20,706.41 6,334.21 14,372.20 745,732.83
198 20,706.41 6,214.44 14,491.97 731,240.87
199 20,706.41 6,093.67 14,612.74 716,628.13
200 20,706.41 5,971.90 14,734.51 701,893.62
201 20,706.41 5,849.11 14,857.30 687,036.32
202 20,706.41 5,725.30 14,981.11 672,055.22
203 20,706.41 5,600.46 15,105.95 656,949.27
204 20,706.41 5,474.58 15,231.83 641,717.43
205 20,706.41 5,347.65 15,358.76 626,358.67
206 20,706.41 5,219.66 15,486.75 610,871.91
207 20,706.41 5,090.60 15,615.81 595,256.10
208 20,706.41 4,960.47 15,745.94 579,510.16
209 20,706.41 4,829.25 15,877.16 563,633.00
210 20,706.41 4,696.94 16,009.47 547,623.53
211 20,706.41 4,563.53 16,142.88 531,480.65
212 20,706.41 4,429.01 16,277.40 515,203.25
213 20,706.41 4,293.36 16,413.05 498,790.20
214 20,706.41 4,156.58 16,549.83 482,240.37
215 20,706.41 4,018.67 16,687.74 465,552.63
216 20,706.41 3,879.61 16,826.80 448,725.83
217 20,706.41 3,739.38 16,967.03 431,758.80
218 20,706.41 3,597.99 17,108.42 414,650.38
219 20,706.41 3,455.42 17,250.99 397,399.39
220 20,706.41 3,311.66 17,394.75 380,004.64
221 20,706.41 3,166.71 17,539.70 362,464.94
222 20,706.41 3,020.54 17,685.87 344,779.07
223 20,706.41 2,873.16 17,833.25 326,945.82
224 20,706.41 2,724.55 17,981.86 308,963.96
225 20,706.41 2,574.70 18,131.71 290,832.25
226 20,706.41 2,423.60 18,282.81 272,549.44
227 20,706.41 2,271.25 18,435.16 254,114.27
228 20,706.41 2,117.62 18,588.79 235,525.48
229 20,706.41 1,962.71 18,743.70 216,781.79
230 20,706.41 1,806.51 18,899.90 197,881.89
231 20,706.41 1,649.02 19,057.39 178,824.50
232 20,706.41 1,490.20 19,216.21 159,608.29
233 20,706.41 1,330.07 19,376.34 140,231.95
234 20,706.41 1,168.60 19,537.81 120,694.14
235 20,706.41 1,005.78 19,700.63 100,993.51
236 20,706.41 841.61 19,864.80 81,128.72
237 20,706.41 676.07 20,030.34 61,098.38
238 20,706.41 509.15 20,197.26 40,901.12
239 20,706.41 340.84 20,365.57 20,535.55
240 20,706.41 171.13 20,535.28 0.27
 Mr. Vinod Singh
Village Hadiyari, P.O. Badhan Gaon, Chinyalisaur, Uttarkashi 249196 Annexure-9

Calculation of debt service coverage ratio

(in Rs.)
Particulars 1 2 3 4 5 6 7 8 9 10
Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected

1) Cash Accruals 698,073.28 921,746.60 1,145,153.81 1,364,371.11 1,578,981.52 1,523,026.59 1,461,502.27 1,393,854.34 1,319,473.47 1,237,689.70

2) Interest on Term Loan 209,426.72 209,253.40 205,146.19 200,608.89 195,596.48 190,059.21 183,942.11 177,184.48 169,719.23 161,472.27

3) Funds Available for Servicing of Debts 907,500.00 1,131,000.00 1,350,300.00 1,564,980.00 1,774,578.00 1,713,085.80 1,645,444.38 1,571,038.82 1,489,192.70 1,399,161.97

4) Instalment of Term Loan - 18,194.70 18,194.70 18,194.70 18,194.70 18,194.70 18,194.70 18,194.70 18,194.70 18,194.70

5) Interest on Term Loan/ CC Limit 209,426.72 209,253.40 205,146.19 200,608.89 195,596.48 190,059.21 183,942.11 177,184.48 169,719.23 161,472.27

7) Debts to be served 209,426.72 227,448.10 223,340.88 218,803.59 213,791.18 208,253.91 202,136.81 195,379.17 187,913.92 179,666.96

Debt service coverage ratio (DCSR) 4.33 4.97 6.05 7.15 8.30 8.23 8.14 8.04 7.92 7.79

Average DSCR = Total Funds Available for Servicing of Debts

Total Debts to be served

14546281.67
2066161.26
7.04 Times

Date: 07-09-2021
Place: Uttarkashi, Uttarakhand

Mr. Vinod Singh

 Year
Values - 1.00 2.00 3.00
Sum of EMI - 124,238.46 248,476.92 248,476.92
Sum of INTEREST - 209,426.72 209,253.40 205,146.19
Sum of PRINCIPAL REPAYMENT - 18,194.70 39,223.52 43,330.73
 4.00 5.00 6.00 7.00 8.00 9.00 10.00
248,476.92 248,476.92 248,476.92 248,476.92 248,476.92 248,476.92 248,476.92
200,608.89 195,596.48 190,059.21 183,942.11 177,184.48 169,719.23 161,472.27
47,868.03 52,880.44 58,417.71 64,534.81 71,292.44 78,757.69 87,004.65
(blank) Grand Total
2,484,769.20 4,845,299.94
917,891.24 2,820,300.21
1,566,877.96 2,128,382.69