PROJECT REPORT OF

SHAILESH COLLECTION

INDEX
SR.
NO. PARTICULARS PG NO

1 INTRODUCTION TO PROJECT & PROMOTOR 1

2 COST OF PROJECT AND MEANS OF FINANCE 2
3 PROJECTED PROFITABILITY STATEMENT 3
4 COMPUTATION OF D.S.C.R. 4
5 PROJECTED CASH FLOW STATEMENT 5
6 PROJECTED BALANCE SHEET 6
7 RATIO ANALYSIS 7
8 INTEREST & REPAYMENT OF TERM LOAN 8,9
9 INTEREST & REPAYMENT OF TERM LOAN 10,11
 PROJECT PROFILE
PG2

PARTICULARS AMOUNT AMOUNT

COST OF PROJECT :

1 Furniture 75,000
-
2 Machinery -

3 Working Capital(Stock) 4,25,000

TOTAL 5,00,000

MEANS OF FINANCE

1. Proprietor's Own Capital 5.00% 25,000

2. Term Loan from MPBCDC 20.00% 1,00,000
3. Term Loan From NSFDC 75.00% 3,75,000

TOTAL 5,00,000
 FINANCIAL PROJECTION :
PROJECTED PROFITABILITY STATEMENT :
PG 3
YEARS OF PROJECTIONS
PARTICULARS
1 2 3 4 5

Gross Sale 24,95,800 26,20,590 27,51,620 28,89,200 30,33,660

EXPENSES :
Goods Purchased 17,47,060 18,34,413 19,26,134 20,22,440 21,23,562
Salary & Wages 1,20,000 1,26,000 1,32,300 1,38,915 1,45,861
Travelling Exp 25,080 27,588 30,347 33,381 36,720
Misc Exp 50,000 50,000 50,000 50,000 50,000
Insurance Exps. 7,500 8,250 9,075 9,983 10,981
Light Bill Exps. 35,840 39,424 43,366 47,703 52,473
Interest NSFDC 20,438 15,938 11,438 6,938 2,438
Interest MPBCDC 5,450 4,250 3,050 1,850 650
TOTAL EXPENSES 20,11,368 21,05,863 22,05,709 23,11,210 24,22,684
Interest MPBCDC
Net Profit 4,84,433 5,14,728 5,45,910 5,77,991 6,10,976

Income Tax 23,443 27,946 34,182 40,598 47,195

NET PROFIT AFTER TAX 4,60,989 4,86,782 5,11,728 5,37,392 5,63,781

CALCULATION OF DEBT SERVICE COVERAGE RATIO
PG 4
PARTICULARS YEARS
1st 2nd 3rd 4th 5th
COVER AVAILABLE
1 Net Profit after tax 4,60,989 4,86,782 5,11,728 5,37,392 5,63,781
2 Add: depreciation - - - - -
3 Interest NSFDC 20,438 15,938 11,438 6,938 2,438
4 Interest MPBCDC 5,450 4,250 3,050 1,850 650
4,86,877 5,06,970 5,26,216 5,46,180 5,66,868

SERVICE OBLIGATION
1 Interest NSFDC 20,438 15,938 11,438 6,938 2,438
2 NSFDC Term Loan Instalment 75,000 75,000 75,000 75,000 75,000
3 Interest MPBCDC 5,450 4,250 3,050 1,850 650
4 mpbcdc Loan Instalment 20,000 20,000 20,000 20,000 20,000

1,20,888 1,15,188 1,09,488 1,03,788 98,088

D.S.C.R. 4.03 4.40 4.81 5.26 5.78

AVERAGE D.S.C.R. 4.86

 PG 5

PROJECTED CASH FLOW STATEMENT

PARTICULARS Starting YEARS

1st 2nd 3rd 4th 5th
INFLOW OF FUND

Increase in Share capital 25,000

Increase in TL NSFDC 3,75,000

Increase in TL MPBCDC 1,00,000

Net Profit after Tax 4,60,989 4,86,782 5,11,728 5,37,392 5,63,781

Depreciation - - - - -

TOTAL SOURCES 5,00,000 4,60,989 4,86,782 5,11,728 5,37,392 5,63,781

OUTFLOW OF FUND

Increase in Capital Exp. 75,000

Increase in Inventories 4,25,000 25,600 28,160 30,976 34,074 37,481

Increase in receivable 41,500 45,650 50,215 55,237 60,760

Term Loan repayment 75,000 75,000 75,000 75,000 75,000

Term Loan repayment 20,000 20,000 20,000 20,000 20,000

Promotor Withdrawal 1,20,000 1,20,000 1,20,000 1,20,000 1,20,000

Increase in Current assets

TOTAL DISPOSITION 5,00,000 2,82,100 2,88,810 2,96,191 3,04,310 3,13,241

Opening Balance - - 1,78,889 3,76,861 5,92,398 8,25,481

Net Surplus - 1,78,889 1,97,972 2,15,537 2,33,082 2,50,540

Closing Balance - 1,78,889 3,76,861 5,92,398 8,25,481 10,76,021

 PG 6

PROJECTED BALANCE SHEET AT THE END OF

PARTICULARS Starting 1ST 2ND 3RD 4TH 5TH

A)Capital and Liabilities:
Equity/Capital 25,000 25,000 25,000 25,000 25,000 25,000

Reserves/Surplus 3,40,989 7,07,771 10,99,499 15,16,892 19,60,673

Term Loan NSFDC 3,75,000 3,00,000 2,25,000 1,50,000 75,000 -

Term Loan MPBCDC 100000 80,000 60,000 40,000 20,000 0

TOTAL 7,45,989 10,17,771 13,14,499 16,36,892 19,85,673

B) Fixed Assets
Gross Block 75,000 75,000 75,000 75,000 75,000 75,000
Depreciation - - - - - -
Net Block 75,000 75,000 75,000 75,000 75,000 75,000
C)Current Assets
Inventories 4,25,000 4,50,600 4,78,760 5,09,736 5,43,810 5,81,291
Receivables 41,500 87,150 1,37,365 1,92,602 2,53,362
Other current assets - - - - -
cash/Bank balance - 1,78,889 3,76,861 5,92,398 8,25,481 10,76,021

TOTAL 7,45,989 10,17,771 13,14,499 16,36,892 19,85,673

- - - - -
 PG 7

RATIO ANALYSIS FOR THE PROJECT

PARTICULARS Starting YEAR
1st 2nd 3rd 4th 5th
A DEBT EQUITY RATIO
Long Term Debt 3,80,000 2,85,000 1,90,000 95,000 -
Capital Employed 3,65,989 7,32,771 11,24,499 15,41,892 19,85,673
1.04 0.39 0.17 0.06 -

B CURRENT RATIO
Current Assets 6,70,989 9,42,771 12,39,499 15,61,892 19,10,673
Current Liabilities - - - - -
- - - - -
C NET PROFIT RATIO
Net Profit before Tax 4,60,989 4,86,782 5,11,728 5,37,392 5,63,781
Sales 24,95,800 26,20,590 27,51,620 28,89,200 30,33,660
18.5 18.6 18.6 18.6 18.6
Term Loan Amount : 3,75,000.00 PG 8
Rate of Interest : 6.00%
Repayment : 60 Monthly Instalment

Year Months Principal Repayment Closing Bal. Interest

1 1 3,75,000.00 6,250.00 3,68,750.00 1,875.00

2 3,68,750.00 6,250.00 3,62,500.00 1,843.75
3 3,62,500.00 6,250.00 3,56,250.00 1,812.50
4 3,56,250.00 6,250.00 3,50,000.00 1,781.25
5 3,50,000.00 6,250.00 3,43,750.00 1,750.00
6 3,43,750.00 6,250.00 3,37,500.00 1,718.75
7 3,37,500.00 6,250.00 3,31,250.00 1,687.50
8 3,31,250.00 6,250.00 3,25,000.00 1,656.25
9 3,25,000.00 6,250.00 3,18,750.00 1,625.00
10 3,18,750.00 6,250.00 3,12,500.00 1,593.75
11 3,12,500.00 6,250.00 3,06,250.00 1,562.50
12 3,06,250.00 6,250.00 3,00,000.00 1,531.25
75,000.00 20,438

Year Months Principal Repayment Closing Bal. Interest

2 1 3,00,000.00 6,250.00 2,93,750.00 1,500.00

2 2,93,750.00 6,250.00 2,87,500.00 1,468.75
3 2,87,500.00 6,250.00 2,81,250.00 1,437.50
4 2,81,250.00 6,250.00 2,75,000.00 1,406.25
5 2,75,000.00 6,250.00 2,68,750.00 1,375.00
6 2,68,750.00 6,250.00 2,62,500.00 1,343.75
7 2,62,500.00 6,250.00 2,56,250.00 1,312.50
8 2,56,250.00 6,250.00 2,50,000.00 1,281.25
9 2,50,000.00 6,250.00 2,43,750.00 1,250.00
10 2,43,750.00 6,250.00 2,37,500.00 1,218.75
11 2,37,500.00 6,250.00 2,31,250.00 1,187.50
12 2,31,250.00 6,250.00 2,25,000.00 1,156.25
75,000.00 15,938

Year Months Principal Repayment Closing Bal. Interest

3 1 2,25,000.00 6,250.00 2,18,750.00 1,125.00

2 2,18,750.00 6,250.00 2,12,500.00 1,093.75
3 2,12,500.00 6,250.00 2,06,250.00 1,062.50
4 2,06,250.00 6,250.00 2,00,000.00 1,031.25
5 2,00,000.00 6,250.00 1,93,750.00 1,000.00
6 1,93,750.00 6,250.00 1,87,500.00 968.75
7 1,87,500.00 6,250.00 1,81,250.00 937.50
8 1,81,250.00 6,250.00 1,75,000.00 906.25
9 1,75,000.00 6,250.00 1,68,750.00 875.00
10 1,68,750.00 6,250.00 1,62,500.00 843.75
11 1,62,500.00 6,250.00 1,56,250.00 812.50
12 1,56,250.00 6,250.00 1,50,000.00 781.25
75,000 11,437.50
 PG 9

Year Months Principal Repayment Closing Bal. Interest

4 1 1,50,000.00 6,250.00 1,43,750.00 750.00

2 1,43,750.00 6,250.00 1,37,500.00 718.75
3 1,37,500.00 6,250.00 1,31,250.00 687.50
4 1,31,250.00 6,250.00 1,25,000.00 656.25
5 1,25,000.00 6,250.00 1,18,750.00 625.00
6 1,18,750.00 6,250.00 1,12,500.00 593.75
7 1,12,500.00 6,250.00 1,06,250.00 562.50
8 1,06,250.00 6,250.00 1,00,000.00 531.25
9 1,00,000.00 6,250.00 93,750.00 500.00
10 93,750.00 6,250.00 87,500.00 468.75
11 87,500.00 6,250.00 81,250.00 437.50
12 81,250.00 6,250.00 75,000.00 406.25
75,000 6,938

Year Months Principal Repayment Closing Bal. Interest

5 1 75,000.00 6,250.00 68,750.00 375.00

2 68,750.00 6,250.00 62,500.00 343.75
3 62,500.00 6,250.00 56,250.00 312.50
4 56,250.00 6,250.00 50,000.00 281.25
5 50,000.00 6,250.00 43,750.00 250.00
6 43,750.00 6,250.00 37,500.00 218.75
7 37,500.00 6,250.00 31,250.00 187.50
8 31,250.00 6,250.00 25,000.00 156.25
9 25,000.00 6,250.00 18,750.00 125.00
10 18,750.00 6,250.00 12,500.00 93.75
11 12,500.00 6,250.00 6,250.00 62.50
12 6,250.00 6,250.00 0.00 31.25
75,000 2,437.50

0 0.00
mpcdc MONEY LOAN : 1,00,000.00 PG 10
Rate of Interest : 6.00%
Repayment : 60 Monthly Instalment

Year Months Principal Repayment Closing Bal. Interest

1 1 1,00,000.00 1,666.67 98,333.33 500.00

2 98,333.33 1,666.67 96,666.67 491.67
3 96,666.67 1,666.67 95,000.00 483.33
4 95,000.00 1,666.67 93,333.33 475.00
5 93,333.33 1,666.67 91,666.67 466.67
6 91,666.67 1,666.67 90,000.00 458.33
7 90,000.00 1,666.67 88,333.33 450.00
8 88,333.33 1,666.67 86,666.67 441.67
9 86,666.67 1,666.67 85,000.00 433.33
10 85,000.00 1,666.67 83,333.33 425.00
11 83,333.33 1,666.67 81,666.67 416.67
12 81,666.67 1,666.67 80,000.00 408.33
20,000.00 5,450

Year Months Principal Repayment Closing Bal. Interest

2 1 80,000.00 1,666.67 78,333.33 400.00

2 78,333.33 1,666.67 76,666.67 391.67
3 76,666.67 1,666.67 75,000.00 383.33
4 75,000.00 1,666.67 73,333.33 375.00
5 73,333.33 1,666.67 71,666.67 366.67
6 71,666.67 1,666.67 70,000.00 358.33
7 70,000.00 1,666.67 68,333.33 350.00
8 68,333.33 1,666.67 66,666.67 341.67
9 66,666.67 1,666.67 65,000.00 333.33
10 65,000.00 1,666.67 63,333.33 325.00
11 63,333.33 1,666.67 61,666.67 316.67
12 61,666.67 1,666.67 60,000.00 308.33
20,000.00 4,250

Year Months Principal Repayment Closing Bal. Interest

3 1 60,000.00 1,666.67 58,333.33 300.00

2 58,333.33 1,666.67 56,666.67 291.67
3 56,666.67 1,666.67 55,000.00 283.33
4 55,000.00 1,666.67 53,333.33 275.00
5 53,333.33 1,666.67 51,666.67 266.67
6 51,666.67 1,666.67 50,000.00 258.33
7 50,000.00 1,666.67 48,333.33 250.00
8 48,333.33 1,666.67 46,666.67 241.67
9 46,666.67 1,666.67 45,000.00 233.33
10 45,000.00 1,666.67 43,333.33 225.00
11 43,333.33 1,666.67 41,666.67 216.67
12 41,666.67 1,666.67 40,000.00 208.33
20,000 3,050.00
 PG 11

Year Months Principal Repayment Closing Bal. Interest

4 1 40,000.00 1,666.67 38,333.33 200.00

2 38,333.33 1,666.67 36,666.67 191.67
3 36,666.67 1,666.67 35,000.00 183.33
4 35,000.00 1,666.67 33,333.33 175.00
5 33,333.33 1,666.67 31,666.67 166.67
6 31,666.67 1,666.67 30,000.00 158.33
7 30,000.00 1,666.67 28,333.33 150.00
8 28,333.33 1,666.67 26,666.67 141.67
9 26,666.67 1,666.67 25,000.00 133.33
10 25,000.00 1,666.67 23,333.33 125.00
11 23,333.33 1,666.67 21,666.67 116.67
12 21,666.67 1,666.67 20,000.00 108.33
20,000 1,850

Year Months Principal Repayment Closing Bal. Interest

5 1 20,000.00 1,666.67 18,333.33 100.00

2 18,333.33 1,666.67 16,666.67 91.67
3 16,666.67 1,666.67 15,000.00 83.33
4 15,000.00 1,666.67 13,333.33 75.00
5 13,333.33 1,666.67 11,666.67 66.67
6 11,666.67 1,666.67 10,000.00 58.33
7 10,000.00 1,666.67 8,333.33 50.00
8 8,333.33 1,666.67 6,666.67 41.67
9 6,666.67 1,666.67 5,000.00 33.33
10 5,000.00 1,666.67 3,333.33 25.00
11 3,333.33 1,666.67 1,666.67 16.67
12 1,666.67 1,666.67 -0.00 8.33
20,000 650.00

0 0.00