Project Report &

CMA Data

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SAUBHAGYA HOTEL AND RESTAURANT

Executive Summary
Business Details

Name of Business Firm SAUBHAGYA HOTEL AND RESTAURANT

Business Industry Service

Nature of Business Restaurant

Legal Constitution Proprietorship

Address UPSIDC PLOT NO 5 MALWAN NEAR YADGAR
DHABHA FATEHPUR Fatehpur

Pin Code 212664

Contact Phone 9125149749

Project & Loan Details

Fixed Capital to be Invested ₹ 1,390,480

Working Capital to be Invested ₹ 150,000
Total Project Cost ₹ 1,540,480

Term Loan ₹ 1,320,956

Working Capital Loan ₹ 142,500
Total Loan Amount Needed ₹ 1,463,456

Loan Duration 7 Years

Moratorium Period 3 months
Type of Loan Needed MSME Loan
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Project Details

Cost of Project ₹ 1,540,480

Project Cost BreakUp

Machinery & Equipments ₹ 957,640
Furniture, Fittings, Racks ₹ 400,000
Other initial expenditure ₹ 32,840
Working Capital ₹ 150,000

Means & Cost of Finance

Source Share Amount Interest Rate
Own Capital 5% ₹ 77,024 N/A
Loan from Friends & Family 0% ₹0 N/A
Total Own Funds 5% ₹ 77,024
Term Loan 86% ₹ 1,320,956 10.75%
Working Capital limit 9% ₹ 142,500 10.75%
Total 100% ₹ 1,540,480

₹0
Promoter's Details
Ms SUKIRTI GUPTA is the founder/promoter of the Business Firm. The Promoter has
*********************** to ********************************** implement the Project. The
Promoter is confident about **********************************and they are capable
to**********************as provided in the financial projections of this Report

Promoter Name Ms SUKIRTI GUPTA

Gender Female
Educational Qualifications Graduate
Work Experience less than 1 year
Address Ews 324 awas vikas colony fatehpur

Contact Phone 9125149749

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Business Scenario
SAUBHAGYA HOTEL AND RESTAURANT is planning to setup a project of Restaurant . The Business
firm and its owners have the *********************************and make it run as a
************************** in years to come.

As per Morgan Stanley Report, India is on track to become ********************************.

India’s GDP could more than ******************************************* by 2031.
As per World Economic Forum (WEF), till 2005, 69% of India’s households were classified as
***************************************have become prosperous middle class. With a steady
GDP growth rate of 7.5% a year, by 2030 and*******************************. The new
middle-class households will represent ************************************* where
youngsters are ******************************************.
Additionaly, the rural market is now ************************************************
already on a par with small towns and vastly higher than the rest of rural India. WEF projections
suggest that developed rural India **************************************************.

India's services sector is its engine of growth. ***************** ******************

**************.

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SAUBHAGYA HOTEL AND RESTAURANT will make a healthy profit for its owners and financers, as
well as************************. The Business intends to achieve the Sales and Profit Growth (in
the projected financials) by (a) ******************************** (b) financing
******************************.
Project Prospects
SAUBHAGYA HOTEL AND RESTAURANT is planning to setup a project of Restaurant . The Business
firm and its owners have the relevant*********************and make it run
as*********************** years to come.

By focusing on its ****************, as well as Management Team's Core Values, SAUBHAGYA

HOTEL AND RESTAURANT will increase its sales to Rs. ************ in 7 years time, while also
improving the *********************************************.

SAUBHAGYA HOTEL AND RESTAURANT have thoroughly evaluated the prospects of setting up
Restaurant business and the prospects look very promising. The Business firm has studied
the******************************* they expect to reach profitability
***********************. Based on market study, the firm expects to achieve
*********************************************. SAUBHAGYA HOTEL AND RESTAURANT
wants to become the ********************

Target Market
Sr No. Target Customer Expected Share
in Sales
1 Our initial plan is to target the customer base in our 75.00%
locality. The local customer base is large and we will
also get direct feedback from our customers

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Our Business

Mission Describe the purpose of your Business

Vision provide what you hope to achieve or become in the future

Values State your organization’s core principles and ethics

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Expected CAGR (FY 24-25 to FY 31-32)

Total no. of employees to be engaged BUY NOW

Key Data at a Glance
Projected Sales & Profitability

Revenue Income / Gross Sales EBITDA PROFIT AFTER TAX

TOL/TNW Ratio Trendline

14

12

10

-
FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32 FY 32-33

Net Profit Margin Trendline

30%

25%

20%

15%

10%

5%

0%
FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32 FY 32-33

Net profit margin

CMA DATA
Projected Income Statement
Rs in Actual
Remaining
Current Year Projection Years --->
Particulars FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32 FY 32-33

INCOME
Revenue Income / Gross
Sales **** **** 3,617,704.0

EXPENSES
Purchases (Stock,
Inventory, Raw Material,
etc) **** 575,977.5 847,459.5
Changes in Inventory
(Refer Annexure 2) **** **** (39,588.9)

Salary & Wages 481,250.0 **** 887,795.7

Electricity, Fuel & Water **** 119,700.0 Get Complete Report for 999 only 166,409.7
Advertising & Marketing 123,750.0 206,482.5 ****
Repair & Maintenance 52,500.0 **** ****
Other Expenses 77,250.0 **** 171,402.0
BUY NOW

EBITDA *** *** 833,370.9 **** **** **** 1,085,783.7 ****

Depreciation &
Amortisation 157,143.3 166,667.2 **** 123,625.4 *** *** 79,333.2 ***

EBIT *** *** *** *** *** *** *** 1,070,148.4

Interest Expense 142,890.8 143,482.7 125,932.3 106,399.6 84,660.4 60,465.6 33,537.8 15,528.5

Profit Before Tax **** **** 563,938.1 **** 795,144.5 **** **** ****

Tax Expense **** **** **** 52,786.9 **** **** **** 134,041.4

PROFIT AFTER TAX **** **** 537,639.0 **** **** 788,314.9 **** ****
CMA DATA
Projected Balance Sheet
Rs in Actual
Remaining
Current Year Projection Years --->
Particulars FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32 FY 32-33
SOURCES OF FUNDS

A. Own Funds

Initial Capital Invested /

Opening Capital Balance 77,024.0 **** **** **** **** **** 3,202,201.1 ****
Additional Capital added **** **** **** **** **** **** **** (0.0)
Profit (+) or Loss (-) from
current P&L A/c **** **** 537,639.0 **** **** 788,314.9 **** ****
Subsidy Received - - - - - - - -
Less: Drawings / Dividend - - - - - - - -
Total Own Funds **** 516,996.6 4,984,326.4

B. Long Term Liabilities

Term Loan from Bank 1,262,058.3 1,106,687.9 ****
Loan from Friends &
Family - - -

C. Current Liabilities Get Complete Report for 999 only

Working Capital Loan 142,500.0 142,500.0 ****
Interest Payable *** *** 1,294.0
Provision for Taxation *** *** ****
Sundry Creditors *** 47,998.1 21,186.5
Other Current Liabilities &
Provisions *** *** ****

Total Sources of Funds **** **** 2,308,504.6 2,752,140.4 **** **** **** ****

Rs in Actual
Remaining
Current Year Projection Years --->
Particulars FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32 FY 32-33
APPLICATION OF FUNDS

A. Non Current Assets

Fixed Assets
Gross Block 1,390,480.0 **** 1,390,480.0
Additions during the year **** - ****
Depreciation till Date 157,143.3 323,810.5 937,269.9
Net Block **** 1,066,669.5 ****

B. Current Assets
Cash & Bank Balance **** **** BUY NOW 3,358,204.0
Trade Receivables **** 306,110.8 ****
Raw Material Stock - **** ****
WIP Stock - **** ****
Finished Goods / Stock In
Trade **** **** 390,651.6

Advance Tax **** - ***

Other Current Assets 64,780.0 **** 108,815.8 **** **** **** 157,797.4 ****

Total Application of
Funds **** **** 2,308,504.6 2,752,140.4 **** **** **** ****
CMA DATA
Cash Flow Statement
Remaining Rs in Actual
Current Year Projection Years --->
Particulars FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32 FY 32-33

A. Cash Flow from Operating Activities

Net Profit After Tax **** **** 537,639.0 **** **** 788,314.9 **** ****
Add: Interest Expense 142,890.8 143,482.7 125,932.3 106,399.6 84,660.4 60,465.6 33,537.8 15,528.5
Add: Depreciation 157,143.3 166,667.2 **** 123,625.4 *** *** 79,333.2 ***

Operating Profit before

Working Capital Changes **** **** 1,004,622.8
(Increase)/Decrease in
Current Assets (other than Get Complete Report for 999 only
Cash) (375,861.1) (181,788.0) ****
Increase/(Decrease) in
Current Liabilities (other
than WC loan) 91,464.1 69,934.1 9,927.6
***** **** ****

B. Cash Flow from Financing Activities

Interest Expense (142,890.8) (143,482.7) (15,528.5)
Term Loan Taken/ (Repaid) 1,262,058.3 ****
BUY NOW ****
Working Capital Loan
Taken / (Repaid) 142,500.0 **** ****
Loan from Friends & Family - - -
Capital Introduced /
(Drawings) **** - (0.0)
Subsidy Received - - -
**** **** ****

C. Cash Flow from Investing Activities

Purchase of Fixed Assets (1,390,480.0) **** ****

Total Cash Inflow/ /

(Outflow) (A+B+C) **** 288,974.9 709,255.1
Add Opening Cash Balance - **** **** **** 1,090,530.3 **** **** ****
Closing Cash Balance **** **** **** **** **** **** **** ****
CMA DATA
Key Ratios & Feasibility

Remaining
Current Year Projection Years --->
Particulars FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32 FY 32-33
Long-term Solvency Ratios
Debt Equity Ratio *** **** **** 0.52 **** **** **** ****
Debt Ratio **** 0.65 0.00
TOL/TNW **** *** ****
Interest Coverage
Debt Service Coverage
2.29 ****
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Ratio (DSCR - Working

Below) *** *** 5.54

Short-term Solvency Ratios

Current Ratio **** 2.83 ****
Quick Ratio or Liquid Ratio **** **** 19.79
Cash Ratio 0.06 **** ****

Profitability Ratios
Gross Profit Margin 59.9% **** *****
EBIDTA Margin **** 28.6% ****
Net Profit Margin **** **** BUY NOW 25.4%
Return on Assets (other
than cash) **** 24.0% ****

Growth Ratios (Annualised)

Sales/ Revenue Growth
(Annualised) ***** ****
EBIDTA Growth 178.0% ****

Activity Ratios (on closing value)

Debtors Turnover (days) **** 45.63 71.01
Sundry Creditors (days) 15.00 **** ****
Inventory Turnover (days)* **** **** 99.58
Other Current Assets
(days) **** **** ****
Other Current Liabilities
(days) **** 30.42 10.65
Fixed Assets to Turnover
Ratio **** 2.30 **** **** **** 5.56 **** ****

*Closing Inventory value considered

CMA DATA
Maximum Permissible Bank Finance (MPBF) Calculation

Remaining Rs in Actual
Current Year Projection Years --->
Particulars FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32 FY 32-33
Total Current Assets (A) **** *** 4,736,380.7
Total Current Liabilities
(other than Bank
Borrowing) (B) 34,781.6 ***
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Working Capital Gap

(C=A-B) **** *** ****

1st Method of Lending

Minimum Stipulated Net
Working Capital (D=25% of
C) *** *** ****
MPBF 1st method (C-D) *** 600,718.6
BUY NOW 3,434,894.0

2nd Method of Lending

Minimum Stipulated Net
Working Capital (E=25% of
A) *** **** 1,184,095.2
MPBF 2nd method (C-E) *** *** ****

Percentage of Sales method

Gross Revenue / Sales *** *** 3,617,704.0
MPBF - 25% of Sales *** **** ***

Actual Working Capital

Loan O/s 142,500.0 142,500.0 **** **** **** **** **** ****
DSCR Calculation
Remaining Rs in Actual
Current Year Projection Years --->
Particulars FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32 FY 32-33

PAT + Depreciation +
Interest *** *** 807,071.8 *** *** 940,698.5 *** ****

Interest payment 142,890.8 143,482.7 125,932.3 106,399.6 84,660.4 60,465.6 33,537.8 15,528.5
Principal Repayment of
Term Loan 94,717.4 155,370.4 *** *** *** *** *** ***
Principal Repayment of
Working Capital Limit *** *** *** *** *** *** *** ***
Total Repayment during
the year *** *** *** *** 298,853.1 *** *** ***

DSCR **** **** 2.70 **** **** **** **** 5.54

Average DSCR (Term Loan + Working Capital Loan) ****

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Average DSCR (Term Loan only) ****

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Term Loan Repayment Schedule
Term Loan Amount ₹ 1,320,956
Loan O/s after Moratorium Period ****
Monthly EMI Amount ₹ 23,628

Year Interest Charged Total Payment to Principal Repaid Closing Loan O/s
Bank
FY 25-26 130,125 **** 94,717 ****
FY 26-27 128,164 **** 155,370 ****
FY 27-28 110,614 283,534 **** 933,767
FY 28-29 91,081 **** **** *****
FY 29-30 69,342 **** **** ****
FY 30-31 45,147 **** 238,387 ****
FY 31-32 18,219 **** ***** *****
FY 32-33 210 23,628 **** 0
**** **** ****

Detailed Month wise EMI Schedule is provided in Annexure 1

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Break Even Sales
The term “break-even sales” refers to the sales value at which *************************. In
other words, the break-even sales are the amount of revenue
************************************************

Remaining Rs in Actual
Current Year Projection Years --->
Particulars FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32 FY 32-33

Revenue Income / Gross

Sales (A) **** **** 3,617,704.0
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Variable Costs **** **** ****
Gross Profit (B) **** 2,099,516.1 ****

Other Costs **** **** ****

Depreciation 157,143.3
BUY NOW 79,333.2 ****
Interest Cost 142,890.8 33,537.8 15,528.5
Total Fixed Cost (C) **** **** ****

Break Even Sales

(A*C)/B **** 1,868,802.9 ****
Working Capital Cycle
The Working Capital Cycle for a business is the length of time it takes to convert the total net working
capital (current assets less current liabilities) into cash

Remaining
Current Year Projection Years --->
Particulars FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32 FY 32-33

Inventory Days **** **** 99.6

Trade Receivable Days
Other Current Asset Days
****
****
45.6
****
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****
Total (A) ***** ***** *****

Trade Payable Days 15.0 **** ****

Other Current Liabilities Days **** 30.4 BUY NOW 10.6
Total (B) **** **** *****

Working Capital Cycle

Days (A-B) **** **** 186.4

An****************** in working capital cycle is assumed

for********************************. SAUBHAGYA HOTEL AND RESTAURANT plans to increase
its Sales growth by****************************************. On other hand by paying
*************************, it is expected that better********************************
which will help in improving profit margins.
SWOT Ananysis
The Business Owners have done indepth**********************, SAUBHAGYA HOTEL AND
RESTAURANT , for starting business of Restaurant . Below is a SWOT analysis that is prepared mainly
to analyze***************************************************. Further, we have also
identifed the opportunities that************** & detected **********************.

STRENGTHS WEAKNESSSES

1. ************
2. Talented********* with strong
********** 1. Lack of Availability of ********
3. Quick to************* 2. Yet to create ***********
4. ********* resulting 3. Staff ****** & ******* is to be achieved
in*************making

OPPORTUNITIES THREATS

1. Unserved and ***************** our

Product / Service 1. Existing ********
2. New products or services can 2. Loyalty of **************
be***************************

OUR ACTION PLAN

To Overcome Weakness

1. Funding requirement is planned to *********************

2. Also, in initial phase we plan to ***************************** into business. This investment will go
into creating **********************

To Overcome Threats

1. We have studied the existing ***************************. We plan to cater to this

****************************************
2. We plan to ****************************************.
Depreciation Schedule
Rs in Actual
Remaining
Current Year Projection Years --->
Asset Head FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32 FY 32-33
Land - Depreciation Rate 0%
Opening WDV - **** -
Additions **** - ****
Depreciation - - ****
Closing WDV **** **** *****
Building, Shed, Interior Work - Depreciation Rate 10%
Opening WDV - **** -
Additions **** - -
Depreciation - - -
Closing WDV **** -
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Machinery & Equipments - Depreciation Rate 15%
Opening WDV - **** 316,026.8
Additions **** - ****
Depreciation 119,705.0 125,690.3 ****
Closing WDV **** ***** *****
Computers, Printers, Servers, etc- Depreciation Rate 40%
Opening WDV - **** -
Additions **** **** BUY NOW ****
Depreciation - - ****
Closing WDV **** - *****
Furniture, Fittings, Racks- Depreciation Rate 10%
Opening WDV - **** 194,861.7
Additions 400,000.0 **** -
Depreciation 33,333.3 36,666.7 19,486.2
Closing WDV **** ***** 175,375.5
Electrification & Backup- Depreciation Rate 10%
Opening WDV - **** -
Additions **** - ****
Depreciation - - ****
Closing WDV **** ***** *****
Installation charge, Shipping, etc- Depreciation Rate 15%
Opening WDV - **** -
Additions **** - ****
Depreciation - **** ****
Closing WDV **** ***** *****
Vehicle for Business use- Depreciation Rate 15%
Opening WDV - **** -
Additions **** - ****
Depreciation - - ****
Closing WDV **** - *****
Software, Website, App Development - Depreciation Rate 40 %
Opening WDV - **** -
Additions **** **** -
Depreciation - - -
Closing WDV **** - -
Livestock, Farm Animals, Etc - Depreciation Rate 15 %
Opening WDV - **** -
Additions **** - ****
Depreciation - - ****
Closing WDV **** - *****
Other Capital Expenditure- Depreciation Rate 15%
Opening WDV - **** 10,837.4
Additions 32,840.0 **** -
Depreciation 4,105.0 4,310.3 1,625.6
Closing WDV **** 24,424.8 9,211.8

Total Fixed Assets

Opening WDV - **** ****
Additions **** - -
Depreciation 157,143.3 ***** 68,515.8
Closing WDV **** 1,066,669.5 ****
Sensitivity Analysis
Scenario 1
Decrease in Sales/Revenue by 7%

Rs in Actual
Remaining
Current Year Projection Years --->
Particulars FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32 FY 32-33

Revenue Income / Gross

Sales **** **** 3,364,464.7

EBITDA 227,465.7 **** ****

EBIT **** 361,592.7 Get Complete Report for 999 only ****
Profit Before Tax **** **** ****

Scenario 2
Increase in Variable Cost 7%

Rs in Actual
Remaining
Current Year Projection Years --->
Particulars FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32 FY 32-33

Revenue Income / Gross

Sales ***** **** 3,617,704.0

EBITDA 287,384.9 ****

BUY NOW ****
EBIT **** 464,361.4 ****
Profit Before Tax **** **** ****

Scenario 3
Increase in Fixed Cost (other than
Depreciation) 7%

Rs in Actual
Remaining
Current Year Projection Years --->
Particulars FY 25-26 FY 26-27 FY 32-33

Revenue Income / Gross

Sales **** **** 3,617,704.0

EBITDA 290,494.44 **** ****

EBIT **** 479,223.77 *****
Profit Before Tax **** **** *****
Assumptions Used
Apart from the assumptions & methodology stated elsewhere in the report, below are the main assumptions
considered in preparation of this project report

Operational Capacity
It is assumed that post*******************, the business would reach************************ in the following manner.

Current Year Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7

Operational & Sales

Capacity of Business 70% 90% 100% 100% 100% 100% 100% 100%

Estimated Sales
Over the years the Daily sales are estimated at an trend as shown below. The trend in sales is mainly after
considering ***************************************, we will be able to command premium due to Business Goodwill

Current Year Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7

Estimated Daily Sales ***** ***** 7,719 ****** ****** ****** ****** 9,912

Estimated Expenses
Based on the working experience and market study, the Promoters have assumed that at 100% operational
capacity, following expenses would be incurred

Particulars Monthly Cost at current prices Expense Nature Assumed

Purchases (Stock, packing material, etc) 50,000 Variable
Rent & Lease Cost - Fixed
Salary & Wages 55,000 Semi Variable
Electricity, Fuel & Water 10,000 Variable
Transportation - Variable
Phone, Postage & Internet - Fixed
Advertising & Marketing 15,000 Fixed
Repair & Maintenance 10,000 Fixed
Insurance expenses - Fixed
Consumables, Spares, etc - Variable
Other Expenses 10,000 Fixed

Total ₹ 150,000

Current Year Period

For the Current Period, the projections worked out are for the balance period of 11 month(s)

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Assumptions Used
Adjustment for Inflation
In Sales & Expenses, both, nominal adjustment for price increase due to inflation is made

Other Income (available Cash & Bank Balance)

We have not considered effect of any ***************************************** in the financial projections as we
wanted to show the Businesses loan repayment capacity purely from *****************************

Line of Business & Taxation

The financial projections are purely made considering the entity will continue ************************
*****************. The income tax is calculated assuming that the ***********************************************

Business Team
The Company plans to hire 6 employees. Later as the business expands the entity will increase its employee
strength for which increase in salary expenenses is considered in financial projections.
Conclusion
SAUBHAGYA HOTEL AND RESTAURANT setting and expanding business in Fatehpur will allow the firm to offer
*************************************. As per the financial projections, it is expected that the Business will
c*******************************************

Gross Profit Margin *****

Net Profit Margin 25%

SAUBHAGYA HOTEL AND RESTAURANT , to conclude wants to run the business of Restaurant as a
***************************. The Business Entity has already made lot of efforts in *****************************, as well
as making the financial projections. The entity will make ****************************************. Thus with your
financial help, we can postively************************************as well as create more *****************************

END OF REPORT
Contact Person SUKIRTI GUPTA
Contact Number 9125149749
Annexure 1
Monthly EMI Schedule
Month Opening O/s Interest Paid EMI Principal Paid Balance O/s
May-25 1,320,956 11,834 - - 1,332,790
Jun-25 1,332,790
Jul-25 1,344,729
Aug-25 1,356,776
Sep-25 1,345,302
Oct-25 *****
Nov-25 1,322,046
Dec-25 1,310,262
Jan-26 1,298,372
Feb-26 1,286,375
Mar-26 1,274,271
Apr-26 1,262,058
May-26 1,249,736
Jun-26 *****
Jul-26 1,224,760
Aug-26 1,212,104
Sep-26 1,199,335 BUY NOW
Oct-26 1,186,451
Nov-26 1,173,452
Dec-26 *****
Jan-27 1,147,103
Feb-27 1,133,751
Mar-27 1,120,280
Apr-27 1,106,688
May-27 *****
Jun-27 1,079,137
Jul-27 1,065,177
Aug-27 1,051,091
Sep-27 1,036,879
Oct-27 1,022,540
Nov-27 1,008,073 9,031 23,628 14,597 993,475
Dec-27 993,475 8,900 23,628 14,728 978,747
Jan-28 978,747 8,768 23,628 **** ****
Feb-28 963,887 8,635 23,628 14,993 948,894
Mar-28 ***** 8,501 23,628 15,127 933,767
Apr-28 933,767 8,365 23,628 15,263 918,504
May-28 918,504
Jun-28 903,105
Jul-28 887,567
Aug-28 871,890
Sep-28 856,073
Oct-28 *****
Nov-28 824,012
Dec-28 807,766
Jan-29 791,375
Feb-29 774,836
Mar-29 758,150
Apr-29 741,314
May-29 *****
Jun-29 707,188
Jul-29 689,895
Aug-29 672,447
Sep-29 654,843
Oct-29 637,082
Nov-29 619,161
Dec-29 601,080
Jan-30 *****
Feb-30 564,430
Mar-30 545,859
Apr-30 527,121
May-30 508,215
Jun-30 489,140 4,382 23,628 19,246 469,894
Jul-30 469,894 4,209 23,628 **** ****
Aug-30 450,476 4,036 23,628 19,592 430,883
Sep-30 430,883 3,860 23,628 19,768 411,115
Oct-30 411,115 3,683 23,628 **** 391,170
Nov-30 ***** 3,504 23,628 20,124 ****
Dec-30 371,047 3,324 23,628 20,304 350,743
Jan-31 350,743 3,142 23,628 20,486 330,257
Feb-31 330,257 2,959 **** 20,669 ****
Mar-31 309,588 2,773 23,628 20,854 288,733
Annexure 1
Monthly EMI Schedule
Month Opening O/s Interest Paid EMI Principal Paid Balance O/s
Apr-31 288,733 2,587 23,628 21,041 267,692
May-31 267,692 2,398 23,628 21,230 246,462
Jun-31 246,462 2,208 23,628 21,420 225,042
Jul-31 225,042 2,016 23,628 21,612 203,430
Aug-31 203,430 1,822 23,628 21,805 181,625
Sep-31
Oct-31
Nov-31 Get Complete Report for 999 only
Dec-31
Jan-32
Feb-32 BUY NOW
Mar-32
Apr-32
Annexure 2
Changes in Inventory Working

Remaining Rs in Actual
Current Year Projection Years --->
Particulars FY 24-25 FY 25-26 FY 26-27 FY 27-28 FY 28-29 FY 29-30 FY 30-31 FY 31-32

Opening Inventory
Raw Material *** - ***
Work in Process *** - Get Complete Report for 999 only -
Finished Goods - **** 351,062.6
Total Opening Inventory (A)
**** **** ****

Closing Inventory
BUY NOW
Raw Material - **** ****
Work in Process - *** ****
Finished Goods *** *** 390,651.6
Total Closing Inventory (B)*** 162,268.3 390,651.6

Changes in Inventory (A-B)

**** (44,090.2) **** **** **** (36,954.4) **** ****
Suggestions to Improve your Project Report
Not part of Project Report

Please Check for the below points

Your Average DSCR Ratio should not be very low (<1.5) nor very high (>5). If your DSCR value is not in this
range, then please click below link to know how to improve your DSCR

https://fortriskconsulting.com/dscr/

Your Working Capital Loan Limit should not be more than permissible limit (MPBF), If yes, then kindly reduce
the loan limit to met the requirement. Refer MPBF calculation sheet to check the permissible limit

Also, your working capital loan value should not be in excess than required. Check the cash balance in the
Balance Sheet, it should not be more than 50% of the working capital loan. This would mean that your
working capital loan amount is lying idle in cash and not used for business. Try to keep the working capital
loan not more than twice the monthly expenses amount

Try to maintain your GP Ratio or EBITDA margin within acceptable limits of your industry average. You can
change the ratio by changing the Sales Values - Edit Sales using Sales and Operational Capacity

Finally, every Bank has its own criteria to approve loan. You can always change and download a revised
report multiple times on our website for 21 days after payment

You can refer our complete step by step guide on specific Loan Schemes & Project Reports:

How to Apply for Mudra Loan - https://fortriskconsulting.com/sbi-e-mudra-loan/

How to Apply for PMEGP Loan - https://fortriskconsulting.com/pmegp-loan/
How to Apply for Standup India Loan - https://fortriskconsulting.com/standup-india-scheme/
How to make Commercial Vehicle Project Report - https://youtu.be/zBwZjoMVJbk
How to make Dairy Farm Project Report - https://fortriskconsulting.com/dairy-farm-project-report/
How to make Restaurant/Cafe Report - https://youtu.be/3qQtzWqAtlk