PROJECT AT A GLANCE - TOP SHEET

1 Name of the Entreprenuer Potshangbam Umakanta Singh

2 Constitution (legal Status) Individual :

3 Father's/Spouce's Name Late Potshangbam Iboyaima Singh

4 Unit Address : Haobam Marak Ngangom Leikai, Imphal

Imphal
Taluk/Block: IMPHAL West
District : IMPHAL West
Pin: 795001 State: Manipur
E-Mail : [email protected]
Mobile 9612509962
5 Product and By Product

6 Cost of Project : Rs. 5,00,000

Name of the project / business
activity proposed : Dazzle Photos

7 Means of Finance
Term Loan Rs. 4,75,000.00
KVIC Margin Money Rs. 1,75,000.00
Own Capital Rs. 25000.00

8 Debt Service : 2.99

Coverage Ratio

9 Pay Back Period : 5 Years

10 Project : 12 Months
Implementation
Period

11 Break Even Point : 47.41%

12 Employment : 8

13 Power Requirement : 3KW

14 Major Raw materials : Perforated Photo Paper ,Ribbon,Ink

Estimated Annual
15
Sales Turnover : Rs. 1850000.00
 Estimated Annual
Sales Turnover

DETAILED PROJECT REPORT

1 INTRODUCTION :

Being the age of computer, the service of the unit will be fruitful and no other such kind of unit had existed within
the area. The required raw materials are easily available at Imphal City. The proprietor is an educated and well-
experienced person in this trade since 5 years back having degree in computer application. Due to the age of
computer, the service for the unit will be fruitful as no other such kind of unit is existed within the area. The
infrastructure facility of toe unit is good in all respect. This project report shows a sum of Rs. 5,00,000/- in total capital
investment with 47.41 B.E.P. To. So, there is a good scope to run such type of unit in the area.
2 ABOUT THE PROMOTER :

The proprietor, Potshangbam Umakanta Singh is basically a self employed person with the principal of hardwork and
dignity labour.He has been indulging in this type of activities since early days. Now, he wants to upgrad his
establishment . He is well trained and has lots of creativity, experience and potential in him that he can lead the
business success. He believes in self sustainable livelyhood for himself and society at large. He will also employ needy
people thereby creating employment to the society. Therefore the promoter has proposed for your kind approval of
financial assistance towards himself for employment venture and towards the other locality.

3 COST OF PROJECT
A. Fixed Capital Investment
a. Land : 0 Own

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

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
0 0 0.00 0.00
Total 0.00

C. Machinery Qty. Rate Amount in Rs.

Desktop Computer 2 35000.00 70000.00
1KVA on line UPS 1 40000.00 40000.00
Scanner 1 5000.00 5000.00
Multifumction Laser Printer 1 35000.00 35000.00
Photo Printer 1 50000.00 50000.00
Xerox Printer 1 50000.00 50000.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
Total 250000.00
d. Preliminary & Pre-operative Cost : Rs. 10000.00

e. Furniture & Fixtures : Rs. 30000.00

f. Contingency/Others/Miscellaneous : Rs. 10000.00

Total Capital Expenditure : Rs. 300000.00

Working Capital : Rs. 200000.00

 Total Cost Project : Rs. 500000.00

3.1 Means of Financing :

Own Contribution 5% Rs. 25000.00

Bank Finance : 95%

Term Loan Rs. 285000.00
Working Capital Rs. 190000.00

Total Rs. 475000.00

Margin Money (Govt. Subsidy) From KVIC 35% Rs. 175000

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
13.00%
1st 285000 57000 228000 37050
2nd 228000 57000 171000 29640
3rd 171000 57000 114000 22230
4th 114000 57000 57000 14820
5th 57000 57000 0 7410
6th 0 0 0 0
7th 0 0 0 0
8th 0 0 0 0

WORKING CAPITAL

Interest @
Year Opening Balance Installment Closing Balance
13.00%
1st 190000 38000 152000 24700
2nd 152000 38000 114000 19760
3rd 114000 38000 76000 14820
4th 76000 38000 38000 9880
5th 38000 38000 0 4940
6th 0 0 0 0
7th 0 0 0 0
8th 0 0 0 0
3.3 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 250000 225000 202500 182250 164025
 Depreciation 25000 22500 20250 18225 16403
Closing Balance 225000 202500 182250 164025 147623

TOTAL DEPRECIATION
Workshed 0 0 0 0 0
Machinery 25000 22500 20250 18225 16403
Total 25000 22500 20250 18225 16403

4 Schedule of Sales Realization :

4.1 Details of Sales

Rate/ No. of Amount in Rs.
Particulars of Product
Pair/Unit Pair/Unit
0
Passport photo 50.00 1000 50000.00
Printing of Invitaion Card 200.00 1200 240000.00
By Priting charge of leaflets and others 200.00 1300 260000.00
By Priting charge of on others Misc Items 200.00 1400 280000.00
By Priting charge of Booklets 500.00 1000 500000.00
Printing of Photo 500.00 1000 500000.00
Xerox Copy 2.00 10000 20000.00
Total 1850000.00

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 1295000 1480000 1665000 1665000 1665000

5 Rawmaterials :
Particulars Unit Rate/unit Reqd.Unit Amount in Rs.
Perforated Photo Paper 0 500.00 200 100000.00
Ribbon 0 30.00 40 1200.00
Ink 0 300.00 30 9000.00
Tonner 0 4000.00 12 48000.00
Printing Materials 0 500.00 250 125000.00
A4 Size Paper 0 200.00 500 100000.00
Various type of Ivoiry Paper 0 5000.00 20 100000.00
Pandrive and others 0 1000.00 10 10000.00
0 0 0.00 0 0.00
Total 493200.00

5.1 Wages :
No. of Wages Amount in Rs.
Particulars
Worker Per Month (Per Annum)
Skill Worker 2 7000.00 168000.00
Helper 1 5000.00 60000.00
Unskill Worker 3 6000.00 216000.00
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 6 444000.00

5.2 Repairs and Maintenance : Rs. 5000.00

5.3 Power and Fuel : Rs. 2000.00

5.4 Other Overhead Expenses : Rs. 5000.00

6 Administrative Expenses :
6.1 Salary
Manager cum Chemist (Self) 1 9000.00 108000.00
Administrative & Sales Staff 1 8000.00 96000.00
0 0 0.00 0.00
0 0.00 0.00
0 0.00 0.00
Total 2 204000.00

6.2 Telephone Expenses 2500.00

6.4 Stationery & Postage 4000.00

6.5 Advertisement & Publicity 4000.00

6.6 Workshed Rent 0.00

6.7 Other Miscellaneous Expenses 2870.00

Total 217370.00

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 345240 394560 443880 443880 443880
Wages 310800 355200 399600 399600 399600
Repairs & Maintenance 3500 4000 4500 4500 4500
Power & Fuel 1400 1600 1800 1800 1800
Other Overhead Expenses 3500 4000 4500 4500 4500

Administrative Expenses
Salary 204000 204000 204000 204000 204000
Postage Telephone Expenses 1750 2000 2250 2250 2250
Stationery & Postage 2800 3200 3600 3600 3600
Advertisement & Publicity 2800 3200 3600 3600 3600
Workshed Rent 0 0 0 0 0
Other Miscellaneous Expenses 2009 2296 2583 2583 2583
Total: 877799 974056 1070313 1070313 1070313

8 Assessment of Working Capital :

Particulars Amount in Rs.
Sale 1850000.00

Manufacturing Expenses
Raw Material 493200.00
Wages 444000.00
Repair & Maintenance 5000.00
Power & Fuel 2000.00
Other Overhead Expenses 5000.00

Production Cost 949200.00

 Administrative Cost 217370.00
Manufacturing Cost 1166570.00

Working Capital Estimate :

Element of Working Capital No of Days Basis Amount in Rs.
RawMaterial required per month 10 Material Cost 16440.00

Stock in process 15 Production Cost 47460.00

Finished goods 15 Manufacturing Cost 58329.00

Receivable by 20 Manufacturing Cost 77771.00

Total Working Capital Requirement Per Cycle 200000.00

9 Financial Analysis

9.1 Projected Profit & Loss Account :

Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
Sales / Receipts 1295000 1480000 1665000 1665000
1295000 1480000 1665000 1665000
Manufacturing Expenses
Rawmaterials 345240 394560 443880 443880
Wages 310800 355200 399600 399600
Repairs & Maintenance 3500 4000 4500 4500
Power & Fuel 1400 1600 1800 1800
Other Overhead Expenses 3500 4000 4500 4500
Depreciation 25000 22500 20250 18225
Production Cost 689440 781860 874530 872505
Administrative Expenses
Salary 204000 214200 224910 236156
Postage Telephone Expenses 1750 2000 2250 2250
Stationery & Postage 2800 3200 3600 3600
Advertisement & Publicity 2800 3200 3600 3600
Workshed Rent 0 0 0 0
Other Miscellaneous Expenses 2009 2296 2583 2583
Administrative Cost 213359 224896 236943 248189
Interest on Bank credit @ 13%
Term Loan 37050 29640 22230 14820
Working Capital Loan 24700 19760 14820 9880
Cost of Sale 964549 1056156 1148523 1145394
Net Profit Before Tax 330451 423844 516477 519606
Less Tax 0.00 0.00 0.00 0.00
Net Profit 330451 423844 516477 519606

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 330451 423844 516477 519606
Add :
Depreciation 25000 22500 20250 18225
TOTAL - A 355451 446344 536727 537831
Payments :
On Term Loan :
Interest 37050 29640 22230 14820
Installment 57000 57000 57000 57000
On Working Capital
Interest 24700 19760 14820 9880
 TOTAL - B 118750 106400 94050 81700
D.S.C.R = A/B
2.99 4.19 5.71 6.58
Average D.S.C.R

9.3 PROJECTED BALANCE SHEET :

Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
LIABILITIES :
Promoters Capital 25000 25000 25000 25000
Profit 330451 423844 516477 519606
Term Loan 285000 228000 171000 114000
Working Capital Loan 190000 152000 114000 76000
Current Liabilities 0 0 0 0
Sundry Creditors 0 0 0 0
830451 828844 826477 734606
ASSETS :
Gross Fixed Assets : 280000 255000 232500 212250
Less : Depreciation 25000 22500 20250 18225
Net Fixed Assets 255000 232500 212250 194025
Preliminary & Pre-Op. Expenses 10000 7500 5625 4219
Current Assets 190000 152000 114000 76000
Cash in Bank/Hand 385451 444344 500227 464581
Total 830451 828844 826477 734606

9.4 CASH FLOW STATEMENT :

Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
Net Profit 330451 423844 516477 519606
Add : Depreciation 25000 22500 20250 18225
Term Loan 285000 228000 171000 114000
Working Capital Loan 190000 152000 114000 76000
Promoters Capital 25000 0 0 0
Total 855451 826344 821727 727831

Total Fixed Capital Invested 300000

Repayment of Term Loan 57000 57000 57000 57000

Repayment of WC Loan 38000 38000 38000 38000
Current Assets 190000 152000 114000 76000
Total 285000 247000 209000 171000

Opening Balance 0 570451 1149795 1762522

Surplus 570451 579344 612727 556831
Closing Balance 570451 1149795 1762522 2319353

9.5 BREAK EVEN POINT AND RATIO ANALYSIS :

Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
Fixed Cost 275409 277036 279423 281234
Variable Cost 714140 801620 889350 882385
Total Cost 989549 1078656 1168773 1163619

Sales 1295000 1480000 1665000 1665000

Contribution (Sales-VC) 580860 678380 775650 782615

B.E.P in % 47.41% 40.84% 36.02% 35.94%

Break Even Sales in Rs. 614011 604401 599806 598321

Break Even Units 12280 12088 11996 11966

Current Ratio 1.21 1.05 0.86 0.63

Net Profit Ratio 25.52% 28.64% 31.02% 31.21%

This Project Report has been prepared based on the data furnished by the entrepreneur whose details are
given in the application.
Place :
Date:
Prepared by :
Full Name : POTSHANGBAM UMAKANTA SINGH

Signature of the Beneficiary