Cutting and Tailoring 600-400 PDF

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
CUTTING AND TAILORING

FOR
Unit: MEHRAJ UL DIN YATOO

LOCATION OF UNIT: DALIPORA NAGAM BADGAM
PERMANENT ADDRESS: DALIPORA NAGAM BADGAM
Keystone Financial Consultancy

AR Complex near new bus stand Budgam
Ph. No. 6006654699,8491917411
UAM: JK-04-0019465
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Page
For: MEHRAJ UL DIN YATOO

COST OF PROJECT : RS. 10,00,000
MEANS OF FINANCE
OWN CAPITAL Rs. 50000.00
LOAN FOR CAPITAL Rs. 570000.00

EXPENDITURE
LOAN FOR WORKING Rs. 380000.00
CAPITAL
TERM LOAN FROM BANK Rs. 950000.00
PAY BACK PERIOD : 5 Years
EMPLOYMENT : 9
MAJOR RAW : LADY SUITS COTTON FABRIC,LADY SUITS SYNTHETIC FIBRIC,CHILDREN

MATERIALS SETS COTTON FABRIC
ESTIMATED ANNUAL : Rs. 11114000.00

SALES TURNOVER
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INTRODUCTION:
A fabric is a material made of artificial or natural fibers woven together.

The characteristics of fabrics depend on the fibers used and what
treatment is applied to them. Treatments may include dyes, starching
and formaldehyde finishes.
The natural fibers that were used throughout the history of mankind
were silk, cotton, wool and flax. Then artificial fibers were created that
include rayon, nylon, acrylic and polyester. Fabrics are used in the
creation of many items such as backpacks, clothing, tents, nets, flags,
balloons, parachutes, sails, carpets and towels. As of 2008, the United
States was the third exporter of textiles in the world. As of 2014, the last
artificial fiber to be invented and used was lyocell in 1993, made from
wood pulp.
Manufactured assembly of interlacing fibers, filaments, and/or yarns
having substantial surface (planar) area in relation to its thickness, and
adequate mechanical strength to give it a cohesive structure. Most
fabrics are knitted or woven, but some are produced by non-woven
processes such as braiding, felting, and twisting. Applied loosely, 'fabric'
also includes laces, meshes, and nets.
A type of material composed of natural or synthetic fibers. Types of
textiles include animal-based material such as wool or silk, plant-based
material such as linen and cotton, and synthetic material such as
polyester and rayon. Textiles are often associated with the production
of clothing.A textile is a flexible material consisting of a network of
natural or artificial fibers (yarn or thread). Yarn is produced by spinning
raw fibres of wool, flax, cotton, hemp, or other materials to produce long
strands.Textiles are formed by weaving, knitting, crocheting, knotting or
tatting, felting, or braiding.
The related words ""fabric"" and ""cloth"" and ""material"" are often
used in textile assembly trades (such as tailoring and dressmaking) as
synonyms for textile. However, there are subtle differences in these
terms in specialized usage. A textile is any material made of interlacing
fibres, including carpeting and geotextiles. A fabric is a material made
through weaving, knitting, spreading, crocheting, or bonding that may
be used in production of further goods (garments, etc.). Cloth may be
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used synonymously with fabric but is often a piece of fabric that has

been processed.
Textiles have an assortment of uses, the most common of which are for
clothing and for containers such as bags and baskets. In the household
they are used in carpeting, upholstered furnishings, window shades,
towels, coverings for tables, beds, and other flat surfaces, and in art. In
the workplace they are used in industrial and scientific processes such
as filtering. Miscellaneous uses include flags, backpacks, tents, nets,
handkerchiefs, cleaning rags, transportation devices such as balloons,
kites, sails, and parachutes; textiles are also used to provide
strengthening in composite materials such as fibreglass and industrial
geotextiles. Textiles are used in many traditional crafts such as sewing,
quilting and embroidery.
Textiles for industrial purposes, and chosen for characteristics other
than their appearance, are commonly referred to as technical textiles.
Technical textiles include textile structures for automotive applications,
medical textiles (e.g. implants), geotextiles (reinforcement of
embankments), agrotextiles (textiles for crop protection), protective
clothing (e.g. against heat and radiation for fire fighter clothing, against
molten metals for welders, stab protection, and bullet proof vests). In all
these applications stringent performance requirements must be met.
Woven of threads coated with zinc oxide nanowires, laboratory fabric
has been shown capable of ""self-powering nanosystems"" using
vibrations created by everyday actions like wind or body movements.
Textiles are made from many materials, with four main sources: animal
(wool, silk), plant (cotton, flax, jute, bamboo), mineral (asbestos, glass
fibre), and synthetic (nylon, polyester, acrylic, rayon). The first three are
natural. In the 20th century, they were supplemented by artificial fibres
made from petroleum.
Textiles are made in various strengths and degrees of durability, from
the finest microfibre made of strands thinner than one denier to the
sturdiest canvas. Textile manufacturing terminology has a wealth of
descriptive terms, from light gauze-like gossamer to heavy grosgrain
cloth and beyond. Wool refers to the hair of the domestic sheep or goat,
which is distinguished from other types of animal hair in that the
individual strands are coated with scales and tightly crimped, and the
wool as a whole is coated with a wax mixture known as lanolin
4
(sometimes called wool grease), which is waterproof and

Page

dirtproof.[citation needed] Woollen refers to a bulkier yarn produced

from carded, non-parallel fibre, while worsted refers to a finer yarn spun
from longer fibres which have been combed to be parallel. Wool is
commonly used for warm clothing. Cashmere, the hair of the Indian
cashmere goat, and mohair, the hair of the North African angora goat,
are types of wool known for their softness.
Other animal textiles which are made from hair or fur are alpaca wool,
vicuña wool, llama wool, and camel hair, generally used in the
production of coats, jackets, ponchos, blankets, and other warm
coverings. Angora refers to the long, thick, soft hair of the angora rabbit.
Qiviut is the fine inner wool of the muskox. Wadmal is a coarse cloth
made of wool, produced in Scandinavia, mostly 1000~1500 CE.
Sea silk is an extremely fine, rare, and valuable fabric that is made from
the silky filaments or byssus secreted by a gland in the foot of pen shells.
Silk is an animal textile made from the fibres of the cocoon of the Chinese
silkworm which is spun into a smooth fabric prized for its softness.
There are two main types of the silk: 'mulberry silk' produced by the
Bombyx Mori, and 'wild silk' such as Tussah silk (wild silk). Silkworm
larvae produce the first type if cultivated in habitats with fresh mulberry
leaves for consumption, while Tussah silk is produced by silkworms
feeding purely on oak leaves. Around four-fifths of the world's silk
production consists of cultivated silk."
PROCESS OF MANUFACTURE
Pre washing
Pre washing your fabric is a necessity before sewing anything. I simply

immerse the fabric in a little water. After some minutes rinse it out.
Prewashing removes all the sizing which is there in the fabric and the
shrinking tendency of your fabric is also tested.I am also scared about all
the chemicals in the new fabric. A worst case scenario is the dyes in new
fabric running and bleeding after you have stitched two bright coloured
fabrics together without rinsing the dye out first.
Prewashing has too many advantages for you to do it compulsorily with

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every fabric you use. You definitely would want to fit into your dress

after the first wash, after all the hard work.
Interfacing
Choose the appropriate interfacing for your fabric. There are some
areas which you have to interface necessarily when sewing clothes like
the button stand, button holes, zippers, collars, facings.
Body measurements
A most important aspect about sewing is taking the body measurements.

Every one has a unique body. The reason why we sew our own clothes
is to get a good fit. So learn how to take your body measurement
perfectly. Whenever I am measuring myself for a close fitting garment I
make sure that I will be wearing the undergarments or similar ones I
mean to wear with the finished garment. That is just common sense.If
you are not sure which patterns will suit you you can checkout this post
which elaborates on the styles that suit according to body shapes
Pressing
Pressing is an important element in sewing . Infact I think I spend almost
as much time pressing (and cutting ) as much as sewing. Get some pressing
tips for the correct way to press fabric while sewing.
Cutting
You better learn the proper cutting techniques before even attempting
to cut the first time. Infact it is nothing as lofty as it sounds – just some
sound common sense advice on How to cut fabric perfectly.At times you
want a garment which drapes like a dream – it is time for you to cut the
fabric on the bias.
Sewing techniques
It is necessary that the inside of your garment you make is as good

looking on the inside as well as the outside. You need to finish the edges
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of the fabric professionally. Zig zag stitch is the first option for you if you

are a beginner. Or else you can try the other options for fabric edges
detailed here.
You need to know some hand stitches also to perfect your sewing.And
also how to machine hem your garments to perfection. Checkout the
many ways you can use to thread a sewing needle easily.
Practice sewing seams – start with a plain seam with a straight stitch;
learn to anchor the thread at the end of the stitching with a few back
stitches. You can also try your hand at sewing a buttonhole with your
sewing machine.
You also need fastenings like zippers or buttons and other notions and
Fabric trims if you are using them. Buy them beforehand instead of
thinking about them in the middle of the project as mentioned in this
article on time saving tricks to save time when sewing. Learn the
different types of fasteners you could sew on to your clothes and how to
sew hooks and zippers on to your clothes or even a cute little frog
closure ; Different types of Buttonholes you could sew and the way to
sew a hand made buttonhole . Checkout this post on many ways to make
fabric covered buttons . the 50+ different types of collars you could sew
on the clothes
Packing & Folding
Each pressed garment is then folded with tissue or cardboard. Folding
varies product to product and also buyer to buyer.
Dispatch
After completing all the process, the garment is now ready for dispatch.
7
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MARKET ANALYSIS
"India’s textiles sector is one of the oldest industries in Indian economy

dating back several centuries. India's overall textile exports during FY
2017-18 stood at US$ 39.2 billion in FY18 and is expected to increase to
US$ 82.00 billion by 2021 from US$ 31.65 billion in FY19*.
The Indian textiles industry is extremely varied, with the hand-spun and
hand-woven textiles sectors at one end of the spectrum, while the capital
intensive sophisticated mills sector at the other end of the spectrum. The
decentralised power looms/ hosiery and knitting sector form the largest
component of the textiles sector. The close linkage of the textile industry
to agriculture (for raw materials such as cotton) and the ancient culture
and traditions of the country in terms of textiles make the Indian textiles
sector unique in comparison to the industries of other countries. The
Indian textile industry has the capacity to produce a wide variety of
products suitable to different market segments, both within India and
across the world.
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BACKGROUND OF THE PROJECT
M/S MEHRAJ UL DIN YATOO is a visionary idea of MEHRAJ

UL DIN YATOO to be established as the sole proprietor, while
mobilizing the investment capital from himself and the major source to be
financed by the commercial banks under the PMEGP scheme by the ministry
of MSME, Government of India. The promoter is a young and energetic
person having a desirable qualification and experience. The inner urge to
grow supported by the sound support of the family is a preliminary positive
sign for a better prospective future of the business plan. Besides, The
promoter belongs to a cultured family with sound background. For reasons
of better financial position of his/her family he/she has the capability to
withstand the difficult periods in the course of the of this startup venture.
The promoters will be the overall incharge of the unit. The promoter will take
the services of well trained persons in carrying out the day to day activities
of the business. The promoter has been brought up in Jammu & Kashmir
from his/her early childhood and is fully aware of nature, culture and social
economic background of Jammu & Kashmir. Keeping this into consideration
the promoter will not face any difficulty in successful running of the venture.
The promoter has been very keen in starting their independent business from
last many years and has therefore studied and surveyed many options and
avenues with the objective in their minds. Finding that the demands for
readymade garments is increasing at a faster rate and there exists a gap
in the demand and supply curve therefore the promoter has found
tremendous potential on concentrating on the proposed activity and has
conceived the present project as envisaged herein after.
The unit will work in a single shift of 8 hours a day for a period of 300 working
days in a year. It has been assumed in the project report that the unit will
operate at 70%, 80% and 90% for the successive three years in respect to
the project installed capacity.
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COST OF PROJECT
FIXED CAPITAL INVESTMENT
WORKSHED Area Sq.ft Rate in Rs. Amt. In Rs.
RENOVATION OF ROOM 300 570 171000.00
0 0.00 0.00
TOTAL 171000.00
MACHINERY Qty. Rate Amount in Rs.
STANDING SEWING MACHINE 3 30000.00 90000.00
INTERLOCK MACHINE 1 50000.00 50000.00
INVERTOR AND BATTERY 1 40000.00 40000.00
TRASFORMER 5 KV 1 44000.00 44000.00
GENERATOR 1 150000.00 150000.00
HOT PRESS 1 5000.00 5000.00
TOTAL 550000.00
FURNITURE & FIXTURES : Rs. 50000.00
TOTAL CAPITAL EXPENDITURE : Rs. 600000.00
WORKING CAPITAL : Rs. 400000.00
TOTAL COST PROJECT : Rs. 1000000.00
MEANS OF FINANCING :
OWN CONTRIBUTION 5% Rs. 50000.00
BANK FINANCE : 95%

TERM LOAN Rs. 570000.00
WORKING CAPITAL Rs. 380000.00
TOTAL Rs. 950000.00
MARGIN MONEY (GOVT. SUBSIDY) FROM KVIC 35% Rs. 350000.00
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.
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STATEMENT SHOWING THE REPAYMENT OF TERM LOAN & WORKING CAPITAL :

TERM LOAN
YEAR Opening Balance Installment Closing Balance Interest

@
12.00%
1ST 570000 0 570000 68400
2ND 570000 114000 456000 68400
3RD 456000 114000 342000 54720
4TH 342000 114000 228000 41040
5TH 228000 114000 114000 27360
6TH 114000 114000 0 13680
YEAR Opening Balance Installment Closing Balance Interest

@
12.00%
1ST 380000 0 380000 45600
2ND 380000 76000 304000 45600
3RD 304000 76000 228000 36480
4TH 228000 76000 152000 27360
5TH 152000 76000 76000 18240
6TH 76000 76000 0 9120
7TH 0 0 0 0
8TH 0 0 0 0
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 @ 10.00%
OPENING BALANCE 540000 486000 437400 393660 354294
DEPRECIATION 54000 48600 43740 39366 35429
CLOSING BALANCE 486000 437400 393660 354294 318865
TOTAL DEPRECIATION
WORKSHED 0 0 0 0 0
11
MACHINERY 54000 48600 43740 39366 35429

TOTAL 54000 48600 43740 39366 35429
Page

SCHEDULE OF SALES REALIZATION :

DETAILS OF SALES
PARTICULARS OF PRODUCT Rate/ No. of Amount in Rs.
Pair/Unit Pair/Unit
0
LADY SUITS COTTON FABRIC 900.00 1500 1350000.00
LADY SUITS SYNTHETIC FIBRIC 670.00 1700 1139000.00
CHILDREN SETS COTTON FABRIC 350.00 6000 2100000.00
SHIRTS COTTON FABRIC 400.00 6000 2400000.00
PANTS MEN (JEANS MATERIAL) 375.00 5000 1875000.00
FERRAN TERI WOOL 750.00 3000 2250000.00
TOTAL 11114000.00
CAPACITY UTILIZATION OF SALES

CAPACITY UTILIZATION 70% 80% 90% 90% 90%
SALES / RECEIPTS 7779800 8891200 10002600 10002600 10002600
RAWMATERIALS :
PARTICULARS Unit Rate/unit Reqd.Unit Amount in Rs.
LADY SUITS COTTON METER 130.00 6000 780000.00
FABRIC
LADY SUITS SYNTHETIC METER 90.00 7000 630000.00
FIBRIC
CHILDREN SETS COTTON METER 130.00 7000 910000.00
FABRIC
SHIRTS COTTON FABRIC METER 130.00 8000 1040000.00
PANTS MEN (JEANS METER 110.00 7000 770000.00
MATERIAL)
FERRAN TERI WOOL METER 220.00 6000 1320000.00
TOTAL 5450000.00
WAGES :
PARTICULARS No. of Wages Amount in Rs.
Worker Per Month (Per Annum)
LABOR 1 6500.00 78000.00
TOTAL 1 78000.00
12
REPAIRS AND MAINTENANCE : Rs. 3000.00

Page

POWER AND FUEL : Rs. 7000.00
OTHER OVERHEAD EXPENSES : Rs. 0.00
ADMINISTRATIVE EXPENSES :
SALARY
SUPERVISOR 1 13500.00 162000.00
SKILLED TAILORS 7 9000.00 756000.00
TOTAL 8 918000.00
TELEPHONE EXPENSES 0.00
STATIONERY & POSTAGE 4000.00
ADVERTISEMENT & PUBLICITY 2000.00
WORKSHED RENT 0.00
OTHER MISCELLANEOUS EXPENSES 0.00

TOTAL 924000.00
CAPACITY UTILIZATION OF MANUFACTURING & ADMINISTRATIVE EXPENSES :
CAPACITY UTILIZATION 70% 80% 90% 90% 90%
MANUFACTURING
EXPENSES
RAW MATERIALS 3815000 4360000 4905000 4905000 4905000
WAGES 54600 62400 70200 70200 70200
REPAIRS & MAINTENANCE 2100 2400 2700 2700 2700
POWER & FUEL 4900 5600 6300 6300 6300
OTHER OVERHEAD 0 0 0 0 0
EXPENSES
ADMINISTRATIVE EXPENSES
SALARY 918000 918000 918000 918000 918000
POSTAGE TELEPHONE 0 0 0 0 0
EXPENSES
STATIONERY & POSTAGE 2800 3200 3600 3600 3600
ADVERTISEMENT & 1400 1600 1800 1800 1800
PUBLICITY
TOTAL: 4798800 5353200 5907600 5907600 5907600
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ASSESSMENT OF WORKING CAPITAL :

PARTICULARS Amount in Rs.
SALE 11114000.00
MANUFACTURING EXPENSES
RAW MATERIAL 5450000.00
WAGES 78000.00
REPAIR & MAINTENANCE 3000.00
POWER & FUEL 7000.00
OTHER OVERHEAD EXPENSES 0.00
PRODUCTION COST 5538000.00

ADMINISTRATIVE COST 924000.00
MANUFACTURING COST 6462000.00
WORKING CAPITAL ESTIMATE :

ELEMENT OF WORKING No of Days Basis Amount in Rs.
CAPITAL
0 0 Material Cost 0.00
STOCK IN PROCESS 10 Production Cost 184600.00
FINISHED GOODS 7 Manufacturing Cost 150780.00
RECEIVABLE BY 3 Manufacturing Cost 64620.00
TOTAL WORKING CAPITAL REQUIREMENT Per Cycle 400000.00
FINANCIAL ANALYSIS
PROJECTED PROFIT & LOSS ACCOUNT :
PARTICULARS 0 Year 1st Year 2nd Year 3rd Year 4th Year
SALES / RECEIPTS 7779800 8891200 10002600 10002600
7779800 8891200 10002600 10002600
MANUFACTURING EXPENSES
RAW MATERIALS 3815000 4360000 4905000 4905000
WAGES 54600 62400 70200 70200
REPAIRS & MAINTENANCE 2100 2400 2700 2700
14
POWER & FUEL 4900 5600 6300 6300

OTHER OVERHEAD 0 0 0 0
Page
EXPENSES

DEPRECIATION 54000 48600 43740 39366

PRODUCTION COST 3930600 4479000 5027940 5023566
ADMINISTRATIVE
EXPENSES
SALARY 918000 963900 1012095 1062700
POSTAGE TELEPHONE 0 0 0 0
EXPENSES
STATIONERY & POSTAGE 2800 3200 3600 3600
ADVERTISEMENT & 1400 1600 1800 1800
PUBLICITY
WORKSHED RENT 0 0 0 0
OTHER MISCELLANEOUS 0 0 0 0
EXPENSES
ADMINISTRATIVE COST 922200 968700 1017495 1068100
INTEREST ON BANK CREDIT
@ 12%
TERM LOAN 68400 68400 54720 41040
WORKING CAPITAL LOAN 45600 45600 36480 27360
COST OF SALE 4966800 5561700 6136635 6160066
NET PROFIT BEFORE TAX 2813000 3329500 3865965 3842534
LESS TAX 0.00 0.00 0.00 0.00
NET PROFIT 2813000 3329500 3865965 3842534
CALCULATION OF DEBT SERVICE CREDIT RATIO (D.S.C.R) :

NET PROFIT 2813000 3329500 3865965 3842534
ADD :
DEPRECIATION 54000 48600 43740 39366
TOTAL - A 2867000 3378100 3909705 3881900
PAYMENTS :
ON TERM LOAN :
INTEREST 68400 68400 54720 41040
INSTALLMENT 0 114000 114000 114000
ON WORKING CAPITAL
INTEREST 45600 45600 36480 27360
TOTAL - B 114000 228000 205200 182400
D.S.C.R = A/B 25.15 14.82 19.05 21.28
AVERAGE D.S.C.R
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PARTICULARS 0 YEAR 1ST YEAR 2ND 3RD 4TH YEAR

YEAR YEAR
LIABILITIES :
BENEFICIARY'S CAPITAL 50000 50000 50000 50000
PROFIT 2813000 3329500 3865965 3842534
TERM LOAN 570000 570000 456000 342000
CURRENT LIABILITIES 0 0 0 0
SUNDRY CREDITORS 0 0 0 0
3813000 4329500 4675965 4462534
ASSETS :
GROSS FIXED ASSETS : 590000 536000 487400 443660
LESS : DEPRECIATION 54000 48600 43740 39366
NET FIXED ASSETS 536000 487400 443660 404294
PRELIMINARY & PRE-OP. 5000 3750 2813 2109
EXPENSES
CURRENT ASSETS 380000 380000 304000 228000
CASH IN BANK/HAND 2897000 3462100 3928305 3830240
TOTAL 3813000 4329500 4675965 4462534
NET PROFIT 2813000 3329500 3865965 3842534
ADD : DEPRECIATION 54000 48600 43740 39366
TERM LOAN 570000 570000 456000 342000
BENEFICIARY'S CAPITAL 50000 0 0 0
TOTAL 3867000 4328100 4669705 4451900
TOTAL FIXED CAPITAL 600000

INVESTED
REPAYMENT OF TERM 0 114000 114000 114000

LOAN
REPAYMENT OF WC LOAN 0 76000 76000 76000
CURRENT ASSETS 380000 380000 304000 228000
TOTAL 380000 570000 494000 418000
16
OPENING BALANCE 0 3487000 7245100 11420805

SURPLUS 3487000 3758100 4175705 4033900
Page
CLOSING BALANCE 3487000 7245100 11420805 15454705

BREAK EVEN POINT AND RATIO ANALYSIS :

FIXED COST 1044600 1085700 1115955 1148506
VARIABLE COST 3976200 4524600 5064420 5050926
TOTAL COST 5020800 5610300 6180375 6199432
SALES 7779800 8891200 10002600 10002600
CONTRIBUTION (SALES-VC) 3803600 4366600 4938180 4951674
B.E.P IN % 27.46% 24.86% 22.60% 23.19%
BREAK EVEN SALES IN RS. 2136602 2210685 2260438 2320033
BREAK EVEN UNITS 2374 2456 2512 2578
CURRENT RATIO 3.33 1.25 1.08 0.88
NET PROFIT RATIO 36.16% 37.45% 38.65% 38.42%
17
Page

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 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 query in relation to this project; kindly contact,

Dr. Bilal Ahmad Bhat
Ph. No. +919541786520, +916006654699
KEYSTONE FINANCIAL CONSULTANCY

BRANCH DIVISION OF:
KEYSTONE FINTECH
3RD FLOOR, AL-REHMAN COMPLEX NEAR NEW BUS STAND BUDGAM 191111
Landline: 01951359496
18
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Keystone Financial Consultancy (KFC)

AR Complex near new bus stand Budgam-

Detailed techno-economic cum pre-

CUTTING AND TAILORING

Unit: MEHRAJ UL DIN YATOO

PERMANENT ADDRESS: DALIPORA NAGAM BADGAM

Keystone Financial Consultancy

For: MEHRAJ UL DIN YATOO

COST OF PROJECT : RS. 10,00,000

OWN CAPITAL Rs. 50000.00

LOAN FOR CAPITAL Rs. 570000.00

PAY BACK PERIOD : 5 Years

MAJOR RAW : LADY SUITS COTTON FABRIC,LADY SUITS SYNTHETIC FIBRIC,CHILDREN

ESTIMATED ANNUAL : Rs. 11114000.00

For: MEHRAJ UL DIN YATOO

A fabric is a material made of artificial or natural fibers woven together.

For: MEHRAJ UL DIN YATOO

(sometimes called wool grease), which is waterproof and

For: MEHRAJ UL DIN YATOO

dirtproof.[citation needed] Woollen refers to a bulkier yarn produced

Pre washing your fabric is a necessity before sewing anything. I simply

Prewashing has too many advantages for you to do it compulsorily with

For: MEHRAJ UL DIN YATOO

after the first wash, after all the hard work.

A most important aspect about sewing is taking the body measurements.

It is necessary that the inside of your garment you make is as good

For: MEHRAJ UL DIN YATOO

For: MEHRAJ UL DIN YATOO

"India’s textiles sector is one of the oldest industries in Indian economy

For: MEHRAJ UL DIN YATOO

BACKGROUND OF THE PROJECT

M/S MEHRAJ UL DIN YATOO is a visionary idea of MEHRAJ

For: MEHRAJ UL DIN YATOO

TOTAL CAPITAL EXPENDITURE : Rs. 600000.00

WORKING CAPITAL : Rs. 400000.00

TOTAL COST PROJECT : Rs. 1000000.00

BANK FINANCE : 95%

TOTAL Rs. 950000.00

MARGIN MONEY (GOVT. SUBSIDY) FROM KVIC 35% Rs. 350000.00

For: MEHRAJ UL DIN YATOO

STATEMENT SHOWING THE REPAYMENT OF TERM LOAN & WORKING CAPITAL :

YEAR Opening Balance Installment Closing Balance Interest

YEAR Opening Balance Installment Closing Balance Interest

STATEMENT SHOWING THE DEPRECIATION ON FIXED ASSETS:

MACHINERY 54000 48600 43740 39366 35429

For: MEHRAJ UL DIN YATOO

SCHEDULE OF SALES REALIZATION :

CAPACITY UTILIZATION OF SALES

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

SALES / RECEIPTS 7779800 8891200 10002600 10002600 10002600

REPAIRS AND MAINTENANCE : Rs. 3000.00

For: MEHRAJ UL DIN YATOO

POWER AND FUEL : Rs. 7000.00

OTHER OVERHEAD EXPENSES : Rs. 0.00

TELEPHONE EXPENSES 0.00

STATIONERY & POSTAGE 4000.00

ADVERTISEMENT & PUBLICITY 2000.00

WORKSHED RENT 0.00

OTHER MISCELLANEOUS EXPENSES 0.00

For: MEHRAJ UL DIN YATOO

ASSESSMENT OF WORKING CAPITAL :

PRODUCTION COST 5538000.00

WORKING CAPITAL ESTIMATE :