PROJECT AT A GLANCE - TOP SHEET

1 Name of the Entreprenuer Preksha Goswami

2 Constitution (legal Status) Individual :

3 Father's/Spouce's Name Prem Bihari Goswami

4 Unit Address : Goverdhan -Sonkh Road , Parasoli

Near Goverdhan By-Pass , Goverdhan
Taluk/Block: Goverdhan
District : Goverdhan
Pin: 281502 State: Uttar Pradesh
E-Mail : gov.preksh1@gmail.com
Mobile 8708180291
5 Product and By Product

6 Cost of Project : Rs. 24,75,319

Name of the project / business
Manufacture of Cotton Product ( Cotton Wicks, Ball , Surgical etc)
activity proposed :
7 Means of Finance
Term Loan Rs. 22,27,787.00
KVIC Margin Money Rs. 8,66,362.00
Own Capital Rs. 247532.00

8 Debt Service :
Coverage Ratio

9 Pay Back Period : 5 Years

10 Project : 0 Months
Implementation
Period

11 Break Even Point :

12 Employment : 30

13 Power Requirement : 1

14 Major Raw materials : Cotton ,Ghee,Plastic Pouch

15 Estimated Annual : Rs. 32800.00

Sales Turnover

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 DETAILED PROJECT REPORT
1 INTRODUCTION :

Shri Tridev Deepam Jyoti is a promising manufacturer & supplier of cotton wicks. We are actively serving clients by
offering white and off-white cotton wicks. Produced using optimal quality raw material acquired from licensed
vendors, these wicks belong to the supreme quality. We make sure that no client faces the slightest inconvenience
after getting in touch with us. For further queries related to production and supplies of cotton wicks, get in touch with
us today.

Shri Tridev Deepam Jyoti started its corporate operations in 2021 from Bangalore (Karnataka). The firm is led by
efficient management and owing to the collective efforts, it is on the upsurge. We are backed by a full-fledged team
of experts that leave no stone unturned in offering apt services to all clients approaching us.

Matchless Quality of Products

You may find cotton wicks anywhere in Bangalore but, the finest quality belongs to products offered by Shri Tridev
2 Deepam Jyoti.PROMOTER
ABOUT THE With appropriate quality,
: these products are widely demanded in the market. Not just this, but we’ve

India is a country of temples, in which cotton / lamp, incense sticks, incense sticks etc. are used daily for the worship
of God, in which a cotton stick is used. Keeping this in mind, this industry has been started, so women will have to
cooperate in it. The aim of this industry is to strengthen the poor women at their economic level and bring happiness
in their life, so that they can get work at home. His attention to detail in his common goal, involvement in every
aspect of the firm and passion for business are the qualities that make him a great leader. Preksha Goswami made
finished products from cotton sticks from innumerable sectors of small scale industries. Working in this direction, she
directs a driven team of enthusiastic professionals. This industry has been started under the women's group or micro
small scale industry, in which cooperation is also expected from the government.

3 COST OF PROJECT
A. Fixed Capital Investment
a. Land : 1800 Sqft Own

b. Workshed Area Sq.ft Rate in Rs. Amt. In Rs.

Construction 1800 1050.00 1890000.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
Total 1890000.00
#REF!
C. Machinery Qty. Rate Amount in Rs.
Automatic Cotton Wicks (Long) 2 70000.00 140000.00
Automatic Cotton Wicks (Round) 2 43000.00 86000.00
Ghee Batti making machine 1 72000.00 72000.00
Pouch Making M/C 2 15000.00 30000.00
Cartoon Packaging M/C 1 10000.00 10000.00
Computer with Printer 1 50000.00 50000.00
Lump Sump 0 15000.00 15000.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
Total 403000.00

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 d. Preliminary & Pre-operative Cost : Rs. 50000.00

e. Furniture & Fixtures : Rs. 70000.00

f. Contingency/Others/Miscellaneous : Rs. 20000.00

Total Capital Expenditure : Rs. 2433000.00

Working Capital : Rs. 42319.00

Total Cost Project : Rs. 2475319.00

3.1 Means of Financing :

Own Contribution 10% Rs. 247532.00

Bank Finance : 90%

Term Loan Rs. 2189700.00
Working Capital Rs. 38087.00

Total Rs. 2227787.00

Margin Money (Govt. Subsidy) From KVIC 35% Rs. 866362.00

Margin Money Subsidy received From KVIC will be kept in term deposit as per norms of
PMEGP in the name of Beneficiary for three years in the financing branch.

3.2 STATEMENT SHOWING THE REPAYMENT OF TERM LOAN & WORKING CAPITAL :
TERM LOAN

Interest @
Year Opening Balance Installment Closing Balance
10.00%
1st 2189700 0 2189700 218970
2nd 2189700 437940 1751760 218970
3rd 1751760 437940 1313820 175176
4th 1313820 437940 875880 131382
5th 875880 437940 437940 87588
6th 437940 437940 0 43794
7th 0 0 0 0
8th 0 0 0 0

WORKING CAPITAL

Interest @
Year Opening Balance Installment Closing Balance
10.00%
1st 38087 0 38087 3809
2nd 38087 7617 30470 3809
3rd 30470 7617 22852 3047
4th 22852 7617 15235 2285
5th 15235 7617 7617 1523
6th 7617 7617 0 762
7th 0 0 0 0
8th 0 0 0 0

PMEGP Project Report Page 3

 3.3 STATEMENT SHOWING THE DEPRECIATION ON FIXED ASSETS:
WORKSHED @ 2.00%
Particulars 1st Year 2nd Year 3rd Year 4th Year 5th Year
Opening Balance 1890000 1852200 1815156 1778853 1743276
Depreciation 37800 37044 36303 35577 34866
Closing Balance 1852200 1815156 1778853 1743276 1708410
MACHINERY @ 2.00%
Opening Balance 403000 394940 387041 379300 371714
Depreciation 8060 7899 7741 7586 7434
Closing Balance 394940 387041 379300 371714 364280
TOTAL DEPRECIATION
Workshed 37800 37044 36303 35577 34866
Machinery 8060 7899 7741 7586 7434
Total 45860 44943 44044 43163 42300

4 Schedule of Sales Realization :

4.1 Details of Sales
Rate/ No. of Amount in Rs.
Particulars of Product
Pair/Unit Pair/Unit
0
Long cotton Batti per packet (no.) 10.00 500 5000.00
Round cotton Batti 10.00 500 5000.00
Ghhe Batti 35.00 500 17500.00
Long cotton Batti per Kg 700.00 2 1400.00
Round cotton Batti per Kg 700.00 2 1400.00
Ghhe Batti per Kg 2500.00 1 2500.00
0 0.00 0 0.00
Total 32800.00

4.2 Capacity Utilization of Sales

Particulars 1st Year 2nd Year 3rd Year 4th Year 5th Year

Capacity Utilization 70% 80% 90% 90% 90%

Sales / Receipts 22960 26240 29520 29520 29520

5 Rawmaterials :
Particulars Unit Rate/unit Reqd.Unit Amount in Rs.
Cotton KG 230.00 5 1150.00
Ghee KG 530.00 5 2650.00
Plastic Pouch KG 190.00 2 380.00
Plastic Box (Ghee Batti) No. 5.00 1000 5000.00
Stationary (Paper/ Cutter/ Staplar etc) 0 1.00 1000 1000.00
Mis 0 1.00 500 500.00
0 0 0.00 0 0.00
0 0 0.00 0 0.00
0 0 0.00 0 0.00
Total 10680.00
5.1 Wages :
No. of Wages Amount in Rs.
Particulars
Worker Per Month (Per Annum)
Accountant 1 8000.00 96000.00
Supervisior 1 8000.00 96000.00
Skilled Labour 5 6000.00 360000.00
Unskileed labour 7 5000.00 420000.00
Peon 1 4000.00 48000.00
0 0 0.00 0.00
0 0 0.00 0.00
Total 15 1020000.00

5.2 Repairs and Maintenance : Rs. 656.00

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 5.3 Power and Fuel : Rs. 1640.00

5.4 Other Overhead Expenses : Rs. 3280.00

6 Administrative Expenses :
6.1 Salary
Accountant 1 8000.00 96000.00
Supervisior 1 8000.00 96000.00
Skilled Labour 5 6000.00 360000.00
7 5000.00 420000.00
1 4000.00 48000.00
Total 15 1020000.00

6.2 Telephone Expenses 656.00

6.4 Stationery & Postage 656.00

6.5 Advertisement & Publicity 3280.00

6.6 Workshed Rent 60000.00

6.7 Other Miscellaneous Expenses 1640.00

Total 1086232.00
7 Capacity Utilization of Manufacturing & Administrative Expenses :
Particulars 1st Year 2nd Year 3rd Year 4th Year 5th Year
Capacity Utilization 70% 80% 90% 90% 90%
Manufacturing Expenses
Rawmaterials 7476 8544 9612 9612 9612
Wages 714000 816000 918000 918000 918000
Repairs & Maintenance 459 525 590 590 590
Power & Fuel 1148 1312 1476 1476 1476
Other Overhead Expenses 2296 2624 2952 2952 2952
Administrative Expenses
Salary 1020000 1020000 1020000 1020000 1020000
Postage Telephone Expenses 459 525 590 590 590
Stationery & Postage 459 525 590 590 590
Advertisement & Publicity 2296 2624 2952 2952 2952
Workshed Rent 60000 60000 60000 60000 60000
Other Miscellaneous Expenses 1148 1312 1476 1476 1476
Total: 1809742 1913990 2018239 2018239 2018239
8 Assessment of Working Capital :
Particulars Amount in Rs.
Sale 32800.00

Manufacturing Expenses
Raw Material 10680.00
Wages 1020000.00
Repair & Maintenance 656.00
Power & Fuel 1640.00
Other Overhead Expenses 3280.00

Production Cost 1036256.00

Administrative Cost 1086232.00
Manufacturing Cost 2122488.00

PMEGP Project Report Page 5

 Working Capital Estimate :
Element of Working Capital No of Days Basis Amount in Rs.
0 1 Material Cost 36.00

Stock in process 2 Production Cost 6908.00

Finished goods 2 Manufacturing Cost 14150.00

Receivable by 3 Manufacturing Cost 21225.00

Total Working Capital Requirement Per Cycle 42319.00

9 Financial Analysis
9.1 Projected Profit & Loss Account :
Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
Sales / Receipts 22960 26240 29520 29520
22960 26240 29520 29520
Manufacturing Expenses
Rawmaterials 7476 8544 9612 9612
Wages 714000 816000 918000 918000
Repairs & Maintenance 459 525 590 590
Power & Fuel 1148 1312 1476 1476
Other Overhead Expenses 2296 2624 2952 2952
Depreciation 45860 44943 44044 43163
Production Cost 771239 873948 976674 975793
Administrative Expenses
Salary 1020000 1071000 1124550 1180778
Postage Telephone Expenses 459 525 590 590
Stationery & Postage 459 525 590 590
Advertisement & Publicity 2296 2624 2952 2952
Workshed Rent 60000 60000 60000 60000
Other Miscellaneous Expenses 1148 1312 1476 1476
Administrative Cost 1084362 1135986 1190159 1246387
Interest on Bank credit @ 10%
Term Loan 218970 218970 175176 131382
Working Capital Loan 3809 3809 3047 2285
Cost of Sale 2078380 2232712 2345056 2355847
Net Profit Before Tax -2055420 -2206472 -2315536 -2326327
Less Tax 0.00 0.00 0.00 0.00
Net Profit -2055420 -2206472 -2315536 -2326327

9.2 CALCULATION OF DEBT SERVICE CREDIT RATIO (D.S.C.R) :

Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
Net Profit -2055420 -2206472 -2315536 -2326327
Add :
Depreciation 45860 44943 44044 43163
TOTAL - A -2009560 -2161529 -2271492 -2283164
Payments :
On Term Loan :
Interest 218970 218970 175176 131382
Installment 0 437940 437940 437940
On Working Capital
Interest 3809 3809 3047 2285
TOTAL - B 222779 660719 616163 571607
D.S.C.R = A/B
-9.02 -3.27 -3.69 -3.99
Average D.S.C.R

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 9.3 PROJECTED BALANCE SHEET :
Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
LIABILITIES :
Promoters Capital 247532 247532 247532 247532
Profit -2055420 -2206472 -2315536 -2326327
Term Loan 2189700 2189700 1751760 1313820
Working Capital Loan 38087 38087 30470 22852
Current Liabilities 0 0 0 0
Sundry Creditors 0 0 0 0
419899 268847 -285775 -742123
ASSETS :
Gross Fixed Assets : 2363000 2317140 2272197 2228153
Less : Depreciation 45860 44943 44044 43163
Net Fixed Assets 2317140 2272197 2228153 2184990
Preliminary & Pre-Op. Expenses 50000 37500 28125 21094
Current Assets 38087 38087 30470 22852
Cash in Bank/Hand -1935328 -2041437 -2544397 -2949966
Total 419899 268847 -285775 -742123

9.4 CASH FLOW STATEMENT :

Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
Net Profit -2055420 -2206472 -2315536 -2326327
Add : Depreciation 45860 44943 44044 43163
Term Loan 2189700 2189700 1751760 1313820
Working Capital Loan 38087 38087 30470 22852
Promoters Capital 247532 0 0 0
Total 465759 66258 -489263 -946492

Total Fixed Capital Invested 2433000

Repayment of Term Loan 0 437940 437940 437940

Repayment of WC Loan 0 7617 7617 7617
Current Assets 38087 38087 30470 22852
Total 38087 483644 476027 468410

Opening Balance 0 427672 10285 -955004

Surplus 427672 -417387 -965290 -1414902
Closing Balance 427672 10285 -955004 -2369906

9.5 BREAK EVEN POINT AND RATIO ANALYSIS :

Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
Fixed Cost 1349192 1399898 1409379 1420932
Variable Cost 775048 877756 979721 978079
Total Cost 2124240 2277655 2389100 2399011

Sales 22960 26240 29520 29520

Contribution (Sales-VC) -752088 -851516 -950201 -948559

B.E.P in % -179.39% -164.40% -148.32% -149.80%

Break Even Sales in Rs. -41189 -43139 -43785 -44221

Break Even Units -4119 -4314 -4379 -4422

Current Ratio 0.17 0.06 0.05 0.04

Net Profit Ratio -8952.18% -8408.81% -7843.96% -7880.51%

PMEGP Project Report Page 7

 This Project Report has been prepared based on the data furnished by the entrepreneur whose details are
given in the application.
Place : Banglore
Date: 28.12.2021
Prepared by : Preksha Goswami
Full Name : PREKSHA GOSWAMI

Signature of the Beneficiary

PMEGP Project Report Page 8