PROJECT AT A GLANCE

1. Name of the Concern : TM PUBLIC SCHOOL

JAIL ROAD
ORAI DISTT JALAUN

2. Constitution : Society/ School

3. Year of Establishment/Incorporation : 2022

4. Education School location : JAIL ROAD

Orai

5. Registered Office/Postal Address : 0

with Phone Nos. 0

6. Promoter's Name : 0

7. Service(s) : Educational Loan

8. New Project/Modernization/Expansion : NEW BUS Required

Diversification

9. Proposed Capacity Utilization : AVERAGE 60%

10. Total Project Cost : 22.00 LACS

11. Capital Composition Term Loan : 18.00 LACS

Promoter's Capital : 4.00 LACS

12. Promoter's Contribution to : 18%

Total Project cost

13. D.S.C.R. : 3.31

 COST OF PROJECT

(Rs. In Lacs)

SR. NO. ITEM AMOUNT

2- BUS FOR SCHOOL 22.00

TOTAL 22.00

MEANS OF FINANCE
(Rs. In Lacs)

Sr.No. PARTICULARS AMOUNT

1- Proprietor's/ Contribution 4.00

2- Bank Loans
Term Loan 18.00

TOTAL 22.00
CALCULATION OF ESTIMATED SALARY

PARTICULARS No. SALARY ANNUAL

per person person/year

Teacher 7 4,500.00 378,000.00

Principal 1 7,500.00 90,000.00

Driver 1 5,500.00 66,000.00

TOTAL SALARY 468,000.00

Assuming 5% of total salaries on account of increment and fringe benefits,

salaries would be under :-

(Rs.in Lacs)
YEAR AMOUNT
2022-23 4.68

2023-24 4.91

2024-25 5.16

2025-26 5.42

2026-27 5.69

2027-28 5.97

2028-29 6.27

2029-30 6.58

PLANT UTILITIES AND SERVICES

A. POWER

Load required for machines & Lighting etc.

NEW TERM LOAN REPAYMENT SCHEDULE :-

YEAR>>>>>>>>>>>>>>>> 2022-23 2023-24 2024-25 2025-26 2026-27 2027-28 2028-29 2029-30

Loan Amount Understanding 18.00 16.91 14.90 12.69 10.26 7.59 4.66 1.43

Interest @ 9.5% p.a. 0.97 1.52 1.32 1.10 0.86 0.60 0.30 0.03

Total 18.97 18.43 16.22 13.79 11.12 8.19 4.96 1.46

Less: Repayment 2.06 3.53 3.53 3.53 3.53 3.53 3.53 1.46

Balance 16.91 14.90 12.69 10.26 7.59 4.66 1.43 -

OLD TERM LOAN REPAYMENT SCHEDULE :-

FROM CHOLAMANDALAM

YEAR>>>>>>>>>>>>>>>> 2022-23 2023-24 2024-25 2025-26 2026-27 2027-28 2028-29 2029-30

Loan Amount Understanding 14.96 10.92 6.90 2.90 - - - -

Interest @ 9.5% p.a. 0.55 0.56 0.57 0.58 - - - -

Total 15.51 11.48 7.47 3.48 - - - -

Less: Repayment 4.59 4.58 4.57 3.48 - - - -

Balance 10.92 6.90 2.90 - - - - -

CALCULATION OF DEPRECIATION OF FIXED ASSETS

Sr.No. PARTICULARS RATE COST 2022-23 2023-24 2024-25 2025-26 2026-27 2027-28 2028-29 2029-30

1- NEW BUS 15% 22.00 3.30 2.81 2.38 2.03 1.72 1.46 1.25 1.06

2- OLD BUS 15% 20.62 3.09 2.84 2.41 2.05 1.74 1.48 1.26 1.07
TOTAL 42.62 6.39 5.65 4.79 4.08 3.46 2.94 2.51 2.13
INCOME AND EXPENDITURE STATEMENTS

PARTICULARS 2022-23 2023-24 2024-25 2025-26 2026-27 2027-28 2028-29 2029-30

[A] INCOME
Gross Receipt 19.20 20.80 22.40 23.20 24.10 25.20 25.30 25.40

Gross Profit 19.20 20.80 22.40 23.20 24.10 25.20 25.30 25.40

[B] EXPENDITURE

Salary & Wages 4.68 4.91 5.16 5.42 5.69 5.97 6.27 6.58
Admin. & Selling Exp. 0.29 0.36 0.45 0.52 0.60 0.63 0.63 0.64
Interest on Term Loan 1.52 2.08 1.89 1.68 0.86 0.60 0.30 0.03
Power & Fuel Expenses 2.30 2.50 2.69 2.78 2.89 3.02 3.04 3.05
Other Expenses 0.65 0.70 1.80 2.30 2.60 2.70 2.90 3.50
Depreciation 6.39 5.65 4.79 4.08 3.46 2.94 2.51 2.13

Total 15.83 16.20 16.78 16.79 16.10 15.86 15.65 15.92

Profit Before Tax 3.37 4.60 5.62 6.41 8.00 9.34 9.65 9.48
Less: Taxs 0.09 0.23 0.40 0.57 0.90 1.18 1.24 1.21
Profit after Tax 3.28 4.37 5.22 5.84 7.10 8.16 8.41 8.27
Add: Depreciation 6.39 5.65 4.79 4.08 3.46 2.94 2.51 2.13
Cash Accurals 9.67 10.02 10.01 9.92 10.56 11.10 10.92 10.40
PROJECTED BALANCE SHEET

YEAR>>>>>>>>>>>>>>>> 2022-23 2023-24 2024-25 2025-26 2026-27 2027-28 2028-29 2029-30

A. Liabilities
Society Contribution 9.66 9.66 12.94 17.31 22.53 28.37 35.47 43.63 52.04
Add: Profit 3.28 4.37 5.22 5.84 7.10 8.16 8.41 8.27
Less: Drawings - - - - - - - -
12.94 17.31 22.53 28.37 35.47 43.63 52.04 60.31

New Term Loan 18.00 16.91 14.90 12.69 10.26 7.59 4.66 1.43 -

OId Term Loan 14.96 10.92 6.90 2.90 - - - - -

Other Current Liabilties 0.50 0.55 0.80 0.85 0.90 0.90 0.90 0.90

Total Liabilities 42.62 41.27 39.66 38.92 39.48 43.96 49.19 54.37 61.21

B. Assets
Gross Block 42.62 42.62 36.23 30.58 25.79 21.71 18.25 15.31 12.80
Less: Depreciation @ 15% 6.39 5.65 4.79 4.08 3.46 2.94 2.51 2.13
Net Block 36.23 30.58 25.79 21.71 18.25 15.31 12.80 10.67

Other Fixed Assets 4.30 7.81 11.46 16.22 24.01 32.18 39.87 48.84

Cash & Bank Balance 0.74 1.27 1.67 1.55 1.70 1.70 1.70 1.70

Total Assets 42.62 41.27 39.66 38.92 39.48 43.96 49.19 54.37 61.21
CASH FLOW STATEMENT

OPERATING YEAR ( Rs. in lakhs )

2022-23 2023-24 2024-25 2025-26 2026-27 2027-28 2028-29 2029-30

A. SOURCES OF FUNDS
Opening Cash & Bank Balance 0.00 9.08 17.14 25.19 32.73 40.67 48.84 56.53
1. NetProfit as per profit & loss a/c 3.28 4.37 5.22 5.84 7.10 8.16 8.41 8.27

2. Increase in capital 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3. Depreciation 6.39 5.65 4.79 4.08 3.46 2.94 2.51 2.13

4. Increase in Current Liabilties 0.50 0.05 0.25 0.05 0.05 0.00 0.00 0.00

Total In flow 10.17 19.15 27.40 35.16 43.34 51.77 59.76 66.93

B. USES OF FUNDS

Term Loan Repayment 1.09 2.01 2.21 2.43 2.67 2.93 3.23 1.43
Drawing 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Increase in Fixed assets 4.30 3.51 3.65 4.76 7.79 8.17 7.69 8.97

Total Out Flow 1.09 2.01 2.21 2.43 2.67 2.93 3.23 1.43
Cash & Bank Balance:-<<<<<<<<<< 9.08 17.14 25.19 32.73 40.67 48.84 56.53 65.50
 CACULATION OF DEBT SERVICE COVERAGE RATIO

xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

YEAR ENDING 2022-23 2023-24 2024-25 2025-26 2026-27 2027-28 2028-29

Cash Accruals 9.67 10.02 10.01 9.92 10.56 11.10 10.92

Bank Interest 1.52 2.08 1.89 1.68 0.86 0.60 0.30

A. Total pre interest Accruals 11.19 12.10 11.90 11.60 11.42 11.70 11.22

Loan Pre-payment 5.13 6.03 6.21 5.33 2.67 2.93 3.23

B.Total Debt Servicing 6.65 8.11 8.10 7.01 3.53 3.53 3.53

C. Debt Service Coverage Ratio 1.68 1.49 1.47 1.65 3.24 3.31 3.18

Average Debt Service Coverage Ratio = 3.31

2029-30

10.40

0.03

10.43

1.43

1.46

7.14
WORKING CAPITAL REQUIREMENTS

Sr. No. PARTICULARS PERIOD AMOUNT (Rs. In lacs)

1- Raw Material 30 days 6.00

2- Finished Goods 30 days 6.00

12.00

12.00

Less: Margin money 5% 0.60

Bank Finance 11.40

Raw Material Consumption

Raw Material Consume per day 400 Kg.

Rate 50 Rs.
Raw Material Consume per day 20,000 Rs.
Raw Material Consume in 30 days 600,000 Rs.
or
6.00 Lacs

Finished Goods

Raw Material Consume in 1 Trali 3000 Kg.

Trali Manufactured in 10 days 2 Trali
Trali Manufactured in 30 days 6 Trali
Trali Rate 100000 Rs. Per Trali
Trali Manufactured in 30 days 600000 Rs.
or
6.00 Lacs