Keystone Financial Consultancy (KFC)

AR Complex near new bus stand Budgam-

Email: kfcfinances@gmail.com

Detailed techno-economic cum pre-

investment “Detailed Project Report”
under the scheme of PMEGP administered
by MoMSMEs
On
SHAWL EMBROIDERY
FOR

Unit: M/S NISAR AHMAD

LOCATION OF UNIT:
GUNG PANAH KHANSAHIB BUDGAM
PERMANENT ADDRESS
GUND PANAH KHANSAHIB BUDGAM

Keystone Financial Consultancy

AR Complex near new bus stand Budgam
Email: kfcfinances@gmail.com
Ph. No. 6006654699
UAM: JK-04-0019465
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 Keystone Financial Consultancy (KFC)
AR Complex near new bus stand Budgam-
Email: kfcfinances@gmail.com

PROJECT AT A GLANCE - TOP SHEET

CONSTITUTION (LEGAL Individual

STATUS)
:
COST OF PROJECT : Rs. 7,00,000
NAME OF THE PROJECT / 0
BUSINESS ACTIVITY
PROPOSED :

MEANS OF FINANCE
TERM LOAN Rs. 6,65,000.00
KVIC MARGIN MONEY Rs. 2,45,000.00
OWN CAPITAL Rs. 35000.00
PAY BACK PERIOD : 5 Years
EMPLOYMENT : 7
MAJOR RAW : PASHMINA SHAWLS,PASHMINA STALLS,RAFFAL SHAWLS
MATERIALS

ESTIMATED ANNUAL : Rs. 1874000.00

SALES TURNOVER

COST OF PROJECT
C. MACHINERY Qty. Rate Amount in Rs.
HAND TOOLS AND OTHER ALLIED PRODUCTS 1 30000.00 30000.00
INVERTOR BATTERY 1 70000.00 70000.00
FURNITURE 1 78000.00 78000.00
LOCKER/CABINET 1 25000.00 25000.00
0 0 0.00 0.00
ELECTRIC KIT 1 30000.00 30000.00
MATTING 1 47000.00 47000.00
TOTAL 280000.00

TOTAL CAPITAL EXPENDITURE : Rs. 280000.00

WORKING CAPITAL : Rs. 420000.00

TOTAL COST PROJECT : Rs. 700000.00

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 Keystone Financial Consultancy (KFC)
AR Complex near new bus stand Budgam-
Email: kfcfinances@gmail.com
MEANS OF FINANCING :
OWN CONTRIBUTION 5% Rs. 35000.00

BANK FINANCE : 95%

TERM LOAN Rs. 266000.00
WORKING CAPITAL Rs. 399000.00

TOTAL Rs. 665000.00

MARGIN MONEY (GOVT. SUBSIDY) FROM KVIC 35% Rs. 245000.00

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.

STATEMENT SHOWING THE REPAYMENT OF TERM LOAN & WORKING CAPITAL :

TERM LOAN

YEAR Opening Balance Installment Closing Balance Interest

@
12.00%
1ST 266000 0 266000 31920
2ND 266000 53200 212800 31920
3RD 212800 53200 159600 25536
4TH 159600 53200 106400 19152
5TH 106400 53200 53200 12768
6TH 53200 53200 0 6384

YEAR OPENING BALANCE INSTALLMENT CLOSING BALANCE INTEREST

@
12.00%
1ST 399000 0 399000 47880
2ND 399000 79800 319200 47880
3RD 319200 79800 239400 38304
4TH 239400 79800 159600 28728
5TH 159600 79800 79800 19152
3

6TH 79800 79800 0 9576

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For: NISAR AHMAD

 Keystone Financial Consultancy (KFC)
AR Complex near new bus stand Budgam-
Email: kfcfinances@gmail.com

STATEMENT SHOWING THE DEPRECIATION ON FIXED ASSETS:

WORKSHED @ 0.00%
PARTICULARS 1st Year 2nd Year 3rd Year 4th Year 5th Year
OPENING BALANCE 0 0 0 0 0
DEPRECIATION 0 0 0 0 0
CLOSING BALANCE 0 0 0 0 0
MACHINERY @ 6.00%
OPENING BALANCE 280000 263200 247408 232564 218610
DEPRECIATION 16800 15792 14844 13954 13117
CLOSING BALANCE 263200 247408 232564 218610 205493
TOTAL DEPRECIATION
WORKSHED 0 0 0 0 0
MACHINERY 16800 15792 14844 13954 13117
TOTAL 16800 15792 14844 13954 13117

SCHEDULE OF SALES REALIZATION :

DETAILS OF SALES
PARTICULARS OF PRODUCT Rate/ No. of Amount in Rs.
Pair/Unit Pair/Unit
0
PASHMINA SHAWLS 4000.00 90 360000.00
PASHMINA STALLS 4000.00 90 360000.00
RAFFAL SHAWLS 5000.00 90 450000.00
KASHMIRI PHERAN 4000.00 90 360000.00
RAFFAL STALLS 4300.00 80 344000.00

TOTAL 1874000.00

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 Keystone Financial Consultancy (KFC)
AR Complex near new bus stand Budgam-
Email: kfcfinances@gmail.com
CAPACITY UTILIZATION OF SALES
PARTICULARS 1st Year 2nd Year 3rd Year 4th Year 5th Year

CAPACITY UTILIZATION 70% 80% 90% 90% 90%

SALES / RECEIPTS 1311800 1499200 1686600 1686600 1686600

RAWMATERIALS :
PARTICULARS Unit Rate/unit Reqd.Unit Amount in Rs.
PASHMINA SHAWLS 0 1400.00 90 126000.00
PASHMINA STALLS 0 1400.00 90 126000.00
RAFFAL SHAWLS 0 1800.00 90 162000.00
KASHMIRI PHERAN 0 1500.00 90 135000.00
RAFFAL STALLS 0 1700.00 80 136000.00
EMBROIDERY THREAD 0 25.00 4000 100000.00
TOTAL 785000.00

WAGES :
PARTICULARS No. of Wages Amount in Rs.
Worker Per Month (Per Annum)
LABOR 1 5000.00 60000.00
TOTAL 1 60000.00

POWER AND FUEL : Rs. 5000.00

ADMINISTRATIVE EXPENSES :
SALARY
SUPERVISOR 1 8000.00 96000.00
SKILLED WORKERS 5 6000.00 360000.00
TOTAL 6 456000.00

STATIONERY & POSTAGE 850.00

TOTAL 456850.00
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 Keystone Financial Consultancy (KFC)
AR Complex near new bus stand Budgam-
Email: kfcfinances@gmail.com
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
RAW MATERIALS 549500 628000 706500 706500 706500
WAGES 42000 48000 54000 54000 54000
REPAIRS & MAINTENANCE 0 0 0 0 0
POWER & FUEL 3500 4000 4500 4500 4500
OTHER OVERHEAD 0 0 0 0 0
EXPENSES
ADMINISTRATIVE EXPENSES
SALARY 456000 456000 456000 456000 456000
POSTAGE TELEPHONE 0 0 0 0 0
EXPENSES
STATIONERY & POSTAGE 595 680 765 765 765
ADVERTISEMENT & 0 0 0 0 0
PUBLICITY
TOTAL: 1051595 1136680 1221765 1221765 1221765

ASSESSMENT OF WORKING CAPITAL :

PARTICULARS Amount in Rs.
SALE 1874000.00

MANUFACTURING EXPENSES
RAW MATERIAL 785000.00
WAGES 60000.00
REPAIR & MAINTENANCE 0.00
POWER & FUEL 5000.00
OTHER OVERHEAD EXPENSES 0.00

PRODUCTION COST 850000.00

ADMINISTRATIVE COST 456850.00
MANUFACTURING COST 1306850.00
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 Keystone Financial Consultancy (KFC)
AR Complex near new bus stand Budgam-
Email: kfcfinances@gmail.com
WORKING CAPITAL ESTIMATE :
ELEMENT OF WORKING No of Days Basis Amount in Rs.
CAPITAL
STOCK IN PROCESS 36 Production Cost 102000.00

FINISHED GOODS 37 Manufacturing Cost 161178.00

RECEIVABLE BY 36 Manufacturing Cost 156822.00

TOTAL WORKING CAPITAL REQUIREMENT PER CYCLE 420000.00

FINANCIAL ANALYSIS
PROJECTED PROFIT & LOSS ACCOUNT :
PARTICULARS 0 Year 1st Year 2nd Year 3rd Year 4th Year
SALES / RECEIPTS 1311800 1499200 1686600 1686600
1311800 1499200 1686600 1686600
MANUFACTURING EXPENSES
RAW MATERIALS 549500 628000 706500 706500
WAGES 42000 48000 54000 54000
POWER & FUEL 3500 4000 4500 4500
DEPRECIATION 16800 15792 14844 13954
PRODUCTION COST 611800 695792 779844 778954

ADMINISTRATIVE EXPENSES
SALARY 456000 478800 502740 527877
POSTAGE TELEPHONE 0 0 0 0
EXPENSES
STATIONERY & POSTAGE 595 680 765 765
ADMINISTRATIVE COST 456595 479480 503505 528642
INTEREST ON BANK CREDIT
@ 12%
TERM LOAN 31920 31920 25536 19152
WORKING CAPITAL LOAN 47880 47880 38304 28728
COST OF SALE 1148195 1255072 1347189 1355476
NET PROFIT BEFORE TAX 163605 244128 339411 331124
LESS TAX 0.00 0.00 0.00 0.00
NET PROFIT 163605 244128 339411 331124
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 Keystone Financial Consultancy (KFC)
AR Complex near new bus stand Budgam-
Email: kfcfinances@gmail.com
CALCULATION OF DEBT SERVICE CREDIT RATIO (D.S.C.R) :
PARTICULARS 0 Year 1st Year 2nd Year 3rd Year 4th Year
NET PROFIT 163605 244128 339411 331124
ADD :
DEPRECIATION 16800 15792 14844 13954
TOTAL - A 180405 259920 354255 345078
PAYMENTS :
ON TERM LOAN :
INTEREST 31920 31920 25536 19152
INSTALLMENT 0 53200 53200 53200
ON WORKING CAPITAL
INTEREST 47880 47880 38304 28728
TOTAL - B 79800 133000 117040 101080
D.S.C.R = A/B 2.26 1.95 3.03 3.41
AVERAGE D.S.C.R

PARTICULARS 0 Year 1st Year 2nd Year 3rd Year 4th Year
LIABILITIES :
BENEFICIARY'S CAPITAL 35000 35000 35000 35000
PROFIT 163605 244128 339411 331124
TERM LOAN 266000 266000 212800 159600
WORKING CAPITAL LOAN 399000 399000 319200 239400
CURRENT LIABILITIES 0 0 0 0
SUNDRY CREDITORS 0 0 0 0
863605 944128 906411 765124
ASSETS :
GROSS FIXED ASSETS : 280000 263200 247408 232564
LESS : DEPRECIATION 16800 15792 14844 13954
NET FIXED ASSETS 263200 247408 232564 218610
PRELIMINARY & PRE-OP. 0 0 0 0
EXPENSES
CURRENT ASSETS 399000 399000 319200 239400
CASH IN BANK/HAND 201405 297720 354647 307114
TOTAL 863605 944128 906411 765124
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 Keystone Financial Consultancy (KFC)
AR Complex near new bus stand Budgam-
Email: kfcfinances@gmail.com
PARTICULARS 0 YEAR 1ST YEAR 2ND YEAR 3RD YEAR 4TH YEAR
NET PROFIT 163605 244128 339411 331124
ADD : DEPRECIATION 16800 15792 14844 13954
TERM LOAN 266000 266000 212800 159600
WORKING CAPITAL LOAN 399000 399000 319200 239400
BENEFICIARY'S CAPITAL 35000 0 0 0
TOTAL 880405 924920 886255 744078

TOTAL FIXED CAPITAL 280000

INVESTED

REPAYMENT OF TERM LOAN 0 53200 53200 53200

REPAYMENT OF WC LOAN 0 79800 79800 79800
CURRENT ASSETS 399000 399000 319200 239400
TOTAL 399000 532000 452200 372400

OPENING BALANCE 0 481405 874325 1308380

SURPLUS 481405 392920 434055 371678
CLOSING BALANCE 481405 874325 1308380 1680058

BREAK EVEN POINT AND RATIO ANALYSIS :

PARTICULARS 0 Year 1st Year 2nd Year 3rd Year 4th Year
FIXED COST 505315 527192 543885 561748
VARIABLE COST 659680 743672 818148 807682
TOTAL COST 1164995 1270864 1362034 1369430

SALES 1311800 1499200 1686600 1686600

CONTRIBUTION (SALES-VC) 652120 755528 868452 878918

B.E.P IN % 77.49% 69.78% 62.63% 63.91%

BREAK EVEN SALES IN RS. 1016488 1046111 1056268 1077966

BREAK EVEN UNITS 254 262 264 269

CURRENT RATIO 5.00 1.88 1.62 1.32

NET PROFIT RATIO 12.47% 16.28% 20.12% 19.63%

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 Keystone Financial Consultancy (KFC)
AR Complex near new bus stand Budgam-
Email: kfcfinances@gmail.com
DISCLAIMER:
We intend to help the prospective entrepreneurs during preparation of the
detailed project report and furnish information in regard to different legal
requirements in the process of their application submission to KVIC/KVIB/DIC.
The detailed
project report is prepared based on the preliminary information provided by the
applicants. We don’t assure/guarantee
financial assistance/loan from the lending agency or the approval from the
authority to which the application is submitted. We prepare the detailed
project report based on the information provided by the applicant.
For any queries, you can reach us
at, For any query related to this
project, Contact
Dr. Bilal Ahmad
Bhat Ph. No.
9541786520
KEYSTONE FINANCIAL
CONSULTANCY
BRANCH DIVISION OF:
KEYSTONE FINTECH
3RD FLOOR, AL-REHMAN COMPLEX
NEAR BUS STAND
BUDGAM 191111
Email:
kfcfinances@gmail.com
Landline: 01951359496

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