PROJECT AT A GLANCE - TOP SHEET

1 Name of the Entreprenuer Sunita Bai

2 Constitution (legal Status) Individual :

3 Father's/Spouce's Name Srimanth Chavan

4 Unit Address : Kailash Nagar

Laxmipur Wadi
Taluk/Block: Chittapur
District : Chittapur
Pin: 585225 State: KARNATAKA
E-Mail : Sunitasrimanth3577@gmail.com
Mobile 9743013577
5 Product and By Product

6 Cost of Project : Rs. 9,97,356

Name of the project / business
LADY SUITS
activity proposed :
7 Means of Finance
Term Loan Rs. 9,47,488.00
KVIC Margin Money Rs. 3,49,075.00
Own Capital Rs. 49868.00

8 Debt Service :
Coverage Ratio

9 Pay Back Period : 5 Years

10 Project : 0 Months
Implementation
Period

11 Break Even Point :

12 Employment : 5

13 Power Requirement : 5000KW

14 Major Raw materials : Raw Materials & Otherdirect inputs(Fabrics, pins Button thread),,

15 Estimated Annual : Rs. 2200000.00

Sales Turnover

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 DETAILED PROJECT REPORT
1 INTRODUCTION :

While global fashion trends bring garments of new style and design in market every day, women also look for a
standard looking, easy to wear and functional outfit for long term use. Ladies suit is such a common outfit for
women. It comprises of a kurta or top, salwar or churidar and optionally a dupatta. It provides ease of physical
movement, convenience of household and office functions without any hurdles and smart look. It is formal dressing
for women and can be worn on all occasions

2 ABOUT THE PROMOTER :

I have completed SSLC After Working in Ladies Garments I always wanted to start my own business I always wanted
to start my own business but I was not able to start up my own business as I wa not financially strong after knowing
about PMEGP through social Media I want to sstart my own business with the hep of PMEGP. and I will genarate
EMployment in my area.

3 COST OF PROJECT
A. Fixed Capital Investment
a. Land : 1200 sq ft Own

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

Rented Building 1200 10.00 12000.00
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 12000.00
#REF!
C. Machinery Qty. Rate Amount in Rs.
Single Needle Machine 6 75400.00 452400.00
Double Needle Machine 1 78000.00 78000.00
Border/Piping machine 1 50000.00 50000.00
Over-lock Machine 1 45000.00 45000.00
Cutting Table & machine 1 10000.00 10000.00
Embroidary Machine 1 58000.00 58000.00
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 693400.00

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 d. Preliminary & Pre-operative Cost : Rs. 15000.00

e. Furniture & Fixtures : Rs. 50000.00

f. Contingency/Others/Miscellaneous : Rs. 8000.00

Total Capital Expenditure : Rs. 778400.00

Working Capital : Rs. 218956.00

Total Cost Project : Rs. 997356.00

3.1 Means of Financing :

Own Contribution 5% Rs. 49868.00

Bank Finance : 95%

Term Loan Rs. 739480.00
Working Capital Rs. 208008.00

Total Rs. 947488.00

Margin Money (Govt. Subsidy) From KVIC 35% Rs. 349075.00

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
12.00%
1st 739480 0 739480 88738
2nd 739480 147896 591584 88738
3rd 591584 147896 443688 70990
4th 443688 147896 295792 53243
5th 295792 147896 147896 35495
6th 147896 147896 0 17748
7th 0 0 0 0
8th 0 0 0 0

WORKING CAPITAL

Interest @
Year Opening Balance Installment Closing Balance
12.00%
1st 208008 0 208008 24961
2nd 208008 41602 166406 24961
3rd 166406 41602 124805 19969
4th 124805 41602 83203 14977
5th 83203 41602 41602 9984
6th 41602 41602 0 4992
7th 0 0 0 0
8th 0 0 0 0

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 3.3 STATEMENT SHOWING THE DEPRECIATION ON FIXED ASSETS:
WORKSHED @ 5.00%
Particulars 1st Year 2nd Year 3rd Year 4th Year 5th Year
Opening Balance 12000 11400 10830 10289 9774
Depreciation 600 570 542 514 489
Closing Balance 11400 10830 10289 9774 9285
MACHINERY @ 10.00%
Opening Balance 693400 624060 561654 505489 454940
Depreciation 69340 62406 56165 50549 45494
Closing Balance 624060 561654 505489 454940 409446
TOTAL DEPRECIATION
Workshed 600 570 542 514 489
Machinery 69340 62406 56165 50549 45494
Total 69940 62976 56707 51063 45983

4 Schedule of Sales Realization :

4.1 Details of Sales
Rate/ No. of Amount in Rs.
Particulars of Product
Pair/Unit Pair/Unit
0
Sale of Kurtas 400.00 500 200000.00
Sale of Blouse 150.00 2000 300000.00
Salwar Suit (Simple) 600.00 1500 900000.00
Embereadary Salwar Suit 800.00 1000 800000.00
0 0.00 0 0.00
0 0.00 0 0.00
0 0.00 0 0.00
Total 2200000.00

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 1540000 1760000 1980000 1980000 1980000

5 Rawmaterials :
Particulars Unit Rate/unit Reqd.Unit Amount in Rs.
Raw Materials & Otherdirect inputs(Fabrics,LSpins Button thread)
100.00 1000 100000.00
0 0 0.00 0 0.00
0 0 0.00 0 0.00
0 0 0.00 0 0.00
0 0 0.00 0 0.00
0 0 0.00 0 0.00
0 0 0.00 0 0.00
0 0 0.00 0 0.00
0 0 0.00 0 0.00
Total 100000.00
5.1 Wages :
No. of Wages Amount in Rs.
Particulars
Worker Per Month (Per Annum)
Machine Operators 2 8000.00 192000.00
Helpers 1 6000.00 72000.00
Stores Assistant 1 7000.00 84000.00
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 4 348000.00

5.2 Repairs and Maintenance : Rs. 17600.00

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 5.3 Power and Fuel : Rs. 11000.00

5.4 Other Overhead Expenses : Rs. 14520.00

6 Administrative Expenses :
6.1 Salary
Manager (Own) 1 15000.00 180000.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0.00 0.00
0 0.00 0.00
Total 1 180000.00

6.2 Telephone Expenses 1100.00

6.4 Stationery & Postage 11000.00

6.5 Advertisement & Publicity 17600.00

6.6 Workshed Rent 144000.00

6.7 Other Miscellaneous Expenses 4400.00

Total 358100.00
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 70000 80000 90000 90000 90000
Wages 243600 278400 313200 313200 313200
Repairs & Maintenance 12320 14080 15840 15840 15840
Power & Fuel 7700 8800 9900 9900 9900
Other Overhead Expenses 10164 11616 13068 13068 13068
Administrative Expenses
Salary 180000 180000 180000 180000 180000
Postage Telephone Expenses 770 880 990 990 990
Stationery & Postage 7700 8800 9900 9900 9900
Advertisement & Publicity 12320 14080 15840 15840 15840
Workshed Rent 144000 144000 144000 144000 144000
Other Miscellaneous Expenses 3080 3520 3960 3960 3960
Total: 691654 744176 796698 796698 796698
8 Assessment of Working Capital :
Particulars Amount in Rs.
Sale 2200000.00

Manufacturing Expenses
Raw Material 100000.00
Wages 348000.00
Repair & Maintenance 17600.00
Power & Fuel 11000.00
Other Overhead Expenses 14520.00

Production Cost 491120.00

Administrative Cost 358100.00
Manufacturing Cost 849220.00

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 Working Capital Estimate :
Element of Working Capital No of Days Basis Amount in Rs.
0 0 Material Cost 0.00

Stock in process 30 Production Cost 49112.00

Finished goods 30 Manufacturing Cost 84922.00

Receivable by 30 Manufacturing Cost 84922.00

Total Working Capital Requirement Per Cycle 218956.00

9 Financial Analysis
9.1 Projected Profit & Loss Account :
Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
Sales / Receipts 1540000 1760000 1980000 1980000
1540000 1760000 1980000 1980000
Manufacturing Expenses
Rawmaterials 70000 80000 90000 90000
Wages 243600 278400 313200 313200
Repairs & Maintenance 12320 14080 15840 15840
Power & Fuel 7700 8800 9900 9900
Other Overhead Expenses 10164 11616 13068 13068
Depreciation 69940 62976 56707 51063
Production Cost 413724 455872 498715 493071
Administrative Expenses
Salary 180000 189000 198450 208373
Postage Telephone Expenses 770 880 990 990
Stationery & Postage 7700 8800 9900 9900
Advertisement & Publicity 12320 14080 15840 15840
Workshed Rent 144000 144000 144000 144000
Other Miscellaneous Expenses 3080 3520 3960 3960
Administrative Cost 347870 360280 373140 383063
Interest on Bank credit @ 12%
Term Loan 88738 88738 70990 53243
Working Capital Loan 24961 24961 19969 14977
Cost of Sale 875293 929851 962814 944353
Net Profit Before Tax 664707 830149 1017186 1035647
Less Tax 0.00 0.00 0.00 0.00
Net Profit 664707 830149 1017186 1035647

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 664707 830149 1017186 1035647
Add :
Depreciation 69940 62976 56707 51063
TOTAL - A 734647 893125 1073893 1086710
Payments :
On Term Loan :
Interest 88738 88738 70990 53243
Installment 0 147896 147896 147896
On Working Capital
Interest 24961 24961 19969 14977
TOTAL - B 113699 261595 238855 216115
D.S.C.R = A/B
6.46 3.41 4.50 5.03
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 49868 49868 49868 49868
Profit 664707 830149 1017186 1035647
Term Loan 739480 739480 591584 443688
Working Capital Loan 208008 208008 166406 124805
Current Liabilities 0 0 0 0
Sundry Creditors 0 0 0 0
1662063 1827505 1825045 1654007
ASSETS :
Gross Fixed Assets : 755400 685460 622484 565777
Less : Depreciation 69940 62976 56707 51063
Net Fixed Assets 685460 622484 565777 514714
Preliminary & Pre-Op. Expenses 15000 11250 8438 6328
Current Assets 208008 208008 166406 124805
Cash in Bank/Hand 768595 997013 1092861 1014489
Total 1662063 1827505 1825045 1654007

9.4 CASH FLOW STATEMENT :

Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
Net Profit 664707 830149 1017186 1035647
Add : Depreciation 69940 62976 56707 51063
Term Loan 739480 739480 591584 443688
Working Capital Loan 208008 208008 166406 124805
Promoters Capital 49868 0 0 0
Total 1732003 1840613 1831884 1655203

Total Fixed Capital Invested 778400

Repayment of Term Loan 0 147896 147896 147896

Repayment of WC Loan 0 41602 41602 41602
Current Assets 208008 208008 166406 124805
Total 208008 397506 355904 314302

Opening Balance 0 1523995 2967103 4443083

Surplus 1523995 1443108 1475980 1340900
Closing Balance 1523995 2967103 4443083 5783983

9.5 BREAK EVEN POINT AND RATIO ANALYSIS :

Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
Fixed Cost 506548 511994 500837 487369
Variable Cost 438685 480833 518684 508048
Total Cost 945233 992827 1019521 995417

Sales 1540000 1760000 1980000 1980000

Contribution (Sales-VC) 1101315 1279167 1461316 1471952

B.E.P in % 45.99% 40.03% 34.27% 33.11%

Break Even Sales in Rs. 708320 704450 678605 655585

Break Even Units 1771 1761 1697 1639

Current Ratio 1.83 0.69 0.59 0.48

Net Profit Ratio 43.16% 47.17% 51.37% 52.31%

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 This Project Report has been prepared based on the data furnished by the entrepreneur whose details are
given in the application.
Place : Wadi
Date: 23/12/2022
Prepared by :Shraddha Consultancy and Online Ser
Full Name : SUNITA BAI

Signature of the Beneficiary

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