Download Project Report for Bank Loan

PROJECT REPORT
IT & IT Enabled unit
Pristine Tower, Serene Nagar, New Delhi - 1

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Table of Contents
Table of Contents
Project at a glance
Name & Address of Unit
Details of unit
Name & address of promoter(s)
Project Feasibility Ratio
Project Feasibility graph
Introduction
Scope of the project
Promoter(s) details
Product / services & process
Plant & machinery / equipments
Market potential & Strategy
Manpower requirements
Risks & Mitigation strategy
Project Cost
Working Capital Computation
Annual Sales / Revenue
Total Monthly Expense
Application of Fund
Means of Finance
Profitability Statement
Cash flow statement
Balance sheet
Repayment of Term loan
Debt Service Coverage Ratio
Depreciation
Break Even Point
Assumption
Conclusion
2 IT & IT Enabled unit

Project at a glance
Name & Address of Unit
IT & IT Enabled unit
Pristine Tower, Serene Nagar, New Delhi - 1
Details of unit
Email : youremail@email.com
Phone : 909090
Constitution : Private LTD
Number of employment : 15
Total project cost : 5,192,000
Fixed Capital : 4,192,000
Working Capital : 1,000,000
Total Bank loan : 2,386,400
Promoter(s) contribution : 2,805,600
Term loan : 1,886,400
Working capital loan : 500,000
Name & address of promoter(s)
Name : Your nameion
Address : Your address
Phone : 9090
Date of birth : 12/01/1989
Gender : Male
Category : General
E-mail : youremail@email.com

Project Feasibility Ratio
Debt Service Coverage Ratio (Average) :2.42
Current ratio (Average) :2.84
Year 1 Year 2 Year 3 Year 4 Year 5
Current ratio 2.05 2.64 2.80 3.20 3.52
Quick ratio 2.05 2.64 2.80 3.20 3.52
Intrest coverage ratio 5.87 4.57 6.85 10.38 13.70
Debt equity ratio 0.566 0.530 0.387 0.253 0.133
TOL/TNW 0.73 0.56 0.44 0.28 0.20
DSCR 2.81 2.01 2.33 2.65 2.27
Gross profit Sales Percentage % 50.00 % 42.50 % 43.50 % 44.00 % 42.00 %
Net profit Sales Percentage % 8.33 % 3.70 % 5.07 % 6.10 % 5.01 %
BEP in % of installed capacity % 83.92 % 64.84 % 64.84 % 64.84 % 64.84 %
BEP in sales of Rs 9,000,000.00 9,180,000.00 10,098,000.00 11,107,800.00 12,218,580.00
Return On Capital Employed 781,883.07 1,623,743.94 2,711,354.28 4,086,295.58 5,124,810.45

Project Feasibility graph
Revenue v/s Expense Expense Splitup
Revenue
Expense
Engineers & SEO specialist
Repairs & Maintanance
Electricity
Other supporting staff
Marketing executives
Office expense & utilities
Internet
Marketing/Advertisement
Domain & Hosting annual charge
Postage & Telephone
Net profit Sales % Quick ratio

Introduction
The global sourcing market in India continues to grow at a higher pace compared to the IT-BPM
industry. The global IT & ITeS market (excluding hardware) reached US$ 1.2 trillion in 2016-17, while
the global sourcing market increased by 1.7 times to reach US$ 173-178 billion. India remained the
world’s top sourcing destination in 2016-17 with a share of 55 per cent. Indian IT & ITeS companies
have set up over 1,000 global delivery centres in over 200 cities around the world.
More importantly, the industry has led the economic transformation of the country and altered the
perception of India in the global economy. India's cost competitiveness in providing IT services, which
is approximately 3-4 times cheaper than the US, continues to be the mainstay of its Unique Selling
Proposition (USP) in the global sourcing market. However, India is also gaining prominence in terms
of intellectual capital with several global IT firms setting up their innovation centres in India.
The IT industry has also created significant demand in the Indian education sector, especially for
engineering and computer science. The Indian IT and ITeS industry is divided into four major
segments – IT services, Business Process Management (BPM), software products and engineering
services, and hardware.
The internet industry in India is likely to double to reach US$ 250 billion by 2020, growing to 7.5 per
cent of gross domestic product (GDP). The number of internet users in India is expected to reach 730
million by 2020, supported by fast adoption of digital technology, according to a report by National
Association of Software and Services Companies (NASSCOM).
Indian IT exports are projected to grow at 7-8 per cent in 2017-18, in addition to adding 130,000-
150,000 new jobs during the same period.
Digital commerce market in India is set to grow at 30.4 per cent year-on-year to Rs 220,330 crore
(US$ 34.11 billion) by December 2018, according to a report by Internet and Mobile Association of
India and IMRB Kantar.
Indian technology companies expect India's digital economy to have the potential to reach US$ 4
trillion by 2022, as against the Government of India's estimate of US$ 1 trillion.

Scope of the project
150,000 new jobs during the same period.Digital commerce market in India is set to grow at 30.4 per
cent year-on-year to Rs 220,330 crore (US$ 34.11 billion) by December 2017, according to a report
by Internet and Mobile Association of India and IMRB Kantar.Indian technology companies expect
India's digital economy to have the potential to reach US$ 4 trillion by 2022, as against the
Government of India's estimate of US$ 1 trillion.
The proposed software unit is to create Mobile application and web based software creation. As we
know the market is changing rapidly against the new technology and invent of mobile phones, the
scope of new softwares and applications are necessary.

Promoter(s) details
The promoter of the proposed venture is Mr: your name , Pristine Villa , New Delhi. Heis having on
online experience of 10 years with various Instititions . The Project is promoted as a proprietorship
firm under the name of M/s.Sample Project Report
Brief Bio-Data
Name :your name
Address :Prestine Ville, New Delhi
Phone :123456889
e-mail ID (if any) :youremail@email.com
Aadhar No :2345689123
PAN :BBBBXX22
Sex (tick) : Male/
Age & DOB : 40, 12-01-1989
Qualification : BTech
Experience details : Project Manager in reputed Firm in Dubai, US

Product / services & process
Infrastructure Assessments and Deployments
Server and End User Virtualization
Strategic Information Technology Planning – organizational and infrastructure
Server and Storage planning, installation and migration
Cloud readiness planning
Network design, implementation, staging and rollout – wired and wireless
Enterprise Security services, including end-to-end Security Posture, Penetration Testing
Asset Management, prior to or during a hardware refresh cycle
24×7 HUBCare and Helpdesk Support with the ability to place a service call around the clock

Plant & machinery /
equipments
Computers - 20 numbers
Printers - 2 nos
MS office suite - 20 nos
Laptop - 5 nos
Office Chairs - 35 nos
Diesel genset - 1 nos
UPS- 1 nos
Office almara- 5 nos
Files - 100 nos

Market potential & Strategy
150,000 new jobs during the same period.
Digital commerce market in India is set to grow at 30.4 per cent year-on-year to Rs 220,330 crore
(US$ 34.11 billion) by December 2017, according to a report by Internet and Mobile Association of
India and IMRB Kantar.
Indian technology companies expect India's digital economy to have the potential to reach US$ 4
trillion by 2022, as against the Government of India's estimate of US$ 1 trillion.
The global sourcing market in India continues to grow at a higher pace compared to the IT-BPM
industry. The global IT & ITeS market (excluding hardware) reached US$ 1.2 trillion in 2016-17, while
the global sourcing market increased by 1.7 times to reach US$ 173-178 billion. India remained the
world’s top sourcing destination in 2016-17 with a share of 55 per cent. Indian IT & ITeS companies
have set up over 1,000 global delivery centres in over 200 cities around the world.
Total spending on IT by banking and security firms in India is expected to grow 8.6 per cent year-on-
year to US$ 7.8 billion by 2017!!
The public cloud services market in India is slated to grow 35.9 per cent to reach US$ 1.3 billion
according to IT consultancy, Gartner. Increased penetration of internet (including in rural areas) and
rapid emergence of e-commerce are the main drivers for continued growth of data centre co-location
and hosting market in India. The Indian Healthcare Information Technology (IT) market is valued at
US$ 1 billion currently and is expected to grow 1.5 times by 2020^^. India's business to business
(B2B) e-commerce market is expected to reach US$ 700 billion by 2020 whereas the business to
consumer (B2C) e-commerce market is expected to reach US$ 102 billion by 2020.
Cross-border online shopping by Indians is expected to increase 85 per cent in 2017, and total online
spending is projected to rise 31 per cent to Rs 8.75 lakh crore (US$ 128 billion) by 2018.!!!

Manpower requirements
Engineers- 18 nos
Designers - 2 nos
Accountnt /HR- 1 nos
Receptionist/Admin - 1 nos
Marketing - 3nos
Housekeeping - 1 nos

Risks & Mitigation strategy
Schedule Risk:
Project schedule get slip when project tasks and schedule release risks are not addressed properly.
Schedule risks mainly affect on a project and finally on company economy and may lead to project
failure.
Schedules often slip due to following reasons:
Wrong time estimation
Resources are not tracked properly. All resources like staff, systems, skills of individuals etc.
Failure to identify complex functionalities and time required to develop those functionalities.
Unexpected project scope expansions.
Budget Risk:
Wrong budget estimation.
Cost overruns
Project scope expansion
Operational Risks:
Risks of loss due to improper process implementation failed system or some external events risks.
Causes of Operational risks:
Failure to address priority conflicts
Failure to resolve the responsibilities
Insufficient resources
No proper subject training
No resource planning
No communication in the team.
Technical risks:
Technical risks generally lead to failure of functionality and performance.

Causes of technical risks are:
Continuous changing requirements
No advanced technology available or the existing technology is in initial stages.
The product is complex to implement.
Difficult project modules integration.
Programmatic Risks:
These are the external risks beyond the operational limits. These are all uncertain risks are outside
the control of the program.
These external events can be:
Running out of the fund.
Market development
Changing customer product strategy and priority
Government rule changes.
Mitigation Strategy
Proper plannng and continues monitoring is a key to eliminate risk. There are ways for inputing the
sotware risk asessment using many structured tools.

Project Cost
Sl. no Item Amount Rs
1 Building 1,500,000
2 Software 250,000
3 Printer 36,000
4 Special computer 180,000
5 Laptop 336,000
6 Computer 1,125,000
7 Aircondition 85,000
8 Almaras 45,000
9 Racks and furnitures 125,000
10 Office Chairs 75,000
11 Electrification and Networking 100,000
12 Preliminary expenses 85,000
13 interior work 250,000
14 Working Capital 1,000,000
Subsidy 0
Total 5,192,000

Working Capital Computation
1 Consumables / stock in hand 0
2 Work in progress 0
3 Finished goods 0
4 Working expense. 1,500,000
5 Recievables/Sundry debtors
6 Working expense 500,000
8 Total working capital 1,000,000
9 Own Contribution 500,000
11 Working capital loan 500,000
Consumables are electricity cost and we took salary for engineers as working expense. The project
cycle is around 30 days .

Annual Sales / Revenue
Sl. no Item Rate Quantity Unit Total Rs
1 Revenue from online 14,400 X 500 Hour 7,200,000
2 Sales from service 16,200 X 350 Hour 5,670,000
Total 12,870,000

Total Monthly Expense
1 Engineers & SEO specialist 400,000
2 Other supporting staff 35,000
3 Marketing executives 50,000
4 Repairs & Maintanance 12,000
5 Electricity 12,500
6 Office expense & utilities 25,000
Total 796,000

Application of Fund
Sl. no Item Subsidy % No. Rate Amount Rs
1 Building 0 1 1,500,000 1,500,000
2 Software 0 1 250,000 250,000
3 Printer 0 2 18,000 36,000
4 Special computer 0 2 90,000 180,000
5 Laptop 0 7 48,000 336,000
6 Computer 0 25 45,000 1,125,000
7 Aircondition 0 1 85,000 85,000
8 Almaras 0 1 45,000 45,000
9 Racks and furnitures 0 1 125,000 125,000
10 Office Chairs 0 1 75,000 75,000
11 Electrification and Networking 0 1 100,000 100,000
12 Preliminary expenses 0 1 85,000 85,000
13 interior work 0 1 250,000 250,000
Total Investment 4,192,000
Total Subsidy 0
Net Investment 4,192,000

Means of Finance
Sl. no Item Amount
1 Term Loan 1,886,400
2 Working capital Loan 500,000
3 Total loan 2,386,400
4 Term Loan contribution 2,305,600
5 Working capital contribution 500,000
Building advance and advance for furnishing and computers are paid from own contribution. Own
contribution raised from Friends and families .

Profitability Statement
All figures are in lakhs
Year 1(!*) Year 2 Year 3 Year 4 Year 5
Revenue from
operation
Revenue from online 60.00 79.20 87.12 95.83 105.42
Sales from service 47.25 62.37 68.61 75.47 83.01
Add :
Closing stock 0.00 0.00 0.00 0.00 0.00
Total 107.25 141.57 155.73 171.30 188.43
Less :
Opening stock 0.00 0.00 0.00 0.00 0.00
Engineers & SEO
specialist
40.00 52.80 58.08 63.89 70.28
Repairs & Maintanance 1.20 1.58 1.74 1.92 2.11
Electricity 1.25 1.65 1.82 2.00 2.20
Total 42.45 56.03 61.64 67.80 74.58
Gross profit 53.63 60.17 67.74 75.37 79.14
Less :
Other supporting staff 3.50 4.62 5.08 5.59 6.15
Marketing executives 5.00 6.60 7.26 7.99 8.78
Office expense & utilities 2.50 3.30 3.63 3.99 4.39
Internet 0.15 0.20 0.22 0.24 0.26
Marketing/Advertisement 15.00 19.80 21.78 23.96 26.35
Domain & Hosting
annual charge
7.50 9.90 10.89 11.98 13.18
Postage & Telephone 3.50 4.62 5.08 5.59 6.15
Total 37.15 49.04 53.94 59.34 65.27
Depreciation 3.12 3.15 2.55 2.06 1.67
Interest on TL 2.11 1.73 1.32 0.84 0.31

Interest on WC 0.70 0.70 0.70 0.70 0.70
Total 43.08 54.62 58.50 62.94 67.95
Profit before tax 10.55 5.55 9.24 12.43 11.19
Income Tax 1.61 0.30 1.35 1.99 1.74
Profit after tax 8.94 5.24 7.89 10.44 9.45
Year 1(!*) Year 2 Year 3 Year 4 Year 5
Revenue from
operation
Annual growth method
!* = Considered only 10 months on first year as 2 month(s) needed for setting up the firm

Cash flow statement
Cash Inflow Pre operative period Year 1 Year 2 Year 3 Year 4 Year 5
Capital 23.06 5.00 0.00 0.00 0.00 0.00
Subsidy 0.00 0.00 0.00 0.00 0.00 0.00
Termloan 18.86 0.00 0.00 0.00 0.00 0.00
Profit before tax with interest 0.00 13.35 7.98 11.25 13.97 12.20
Increase in WC loan 0.00 5.00 0.00 0.00 0.00 0.00
Depreciation 0.00 3.12 3.15 2.55 2.06 1.67
Increase in Current liability 0.00 4.17 1.33 0.55 0.61 0.67
Total Cash Inflow 41.92 30.64 12.46 14.35 16.64 14.54
Cash Outflow
Fixed Assets 41.92 0.00 0.00 0.00 0.00 0.00
Increase in Current asset 0.00 0.00 0.00 0.00 0.00
Interest on TL 0.00 2.11 1.73 1.32 0.84 0.31
Interest on WC 0.00 0.70 0.70 0.70 0.70 0.70
Income Tax 0.00 1.61 0.30 1.35 1.99 1.74
Decrease in Term loan 2.93 3.30 3.72 4.19 4.72
Divident on equity 0.00 1.15 0.00 1.15 0.00 1.15
Total Cash Outflow 41.92 8.50 6.04 8.24 7.72 8.63
Opening balance 0.00 0.00 22.14 28.57 34.68 43.60
Net Cashflow 0.00 22.14 6.42 6.11 8.92 5.91
Closing balance 0.00 22.14 28.57 34.68 43.60 49.51

Balance sheet
Liability Pre operative period Year 1 Year 2 Year 3 Year 4 Year 5
A. Share holders funds
Capital 23.06 28.06 28.06 28.06 28.06 28.06
Reserve & Surplus 0.00 7.79 13.03 19.76 30.21 38.50
B.Non current Liabilities
Termloan 18.86 15.93 12.63 8.91 4.72 -0.00
C.Current Liabilities
Working capital loan 0.00 5.00 5.00 5.00 5.00 5.00
Account payable 4.17 5.50 6.05 6.66 7.32
Total Lability 41.92 60.94 64.22 67.78 74.64 78.88
Asset
A. Non current Assets
Fixed Assets 41.92 38.80 35.65 33.10 31.04 29.37
B. Current Assets
Inventory 0.00 0.00 0.00 0.00 0.00 0.00
Trade recievables 0.00 0.00 0.00 0.00 0.00 0.00
Cash and cash equivalence 0.00 22.14 28.57 34.68 43.60 49.51
Total Asset 41.92 60.94 64.22 67.78 74.64 78.88

Repayment of Term loan
Year Installment
Outstanding at the
beginning
Pricipal
repayment
Interest
Amount
paid
Outstanding at the
end
1 1 18.86 0.23 0.19 0.42 18.63
1 2 18.63 0.23 0.19 0.42 18.40
1 3 18.40 0.24 0.18 0.42 18.16
1 4 18.16 0.24 0.18 0.42 17.93
1 5 17.93 0.24 0.18 0.42 17.69
1 6 17.69 0.24 0.18 0.42 17.44
1 7 17.44 0.25 0.17 0.42 17.20
1 8 17.20 0.25 0.17 0.42 16.95
1 9 16.95 0.25 0.17 0.42 16.70
1 10 16.70 0.25 0.17 0.42 16.45
1 11 16.45 0.26 0.16 0.42 16.19
1 12 16.19 0.26 0.16 0.42 15.93
2 13 15.93 0.26 0.16 0.42 15.67
2 14 15.67 0.26 0.16 0.42 15.41
2 15 15.41 0.27 0.15 0.42 15.15
2 16 15.15 0.27 0.15 0.42 14.88
2 17 14.88 0.27 0.15 0.42 14.61
2 18 14.61 0.27 0.15 0.42 14.33
2 19 14.33 0.28 0.14 0.42 14.06
2 20 14.06 0.28 0.14 0.42 13.78
2 21 13.78 0.28 0.14 0.42 13.50
2 22 13.50 0.28 0.13 0.42 13.21
2 23 13.21 0.29 0.13 0.42 12.92
2 24 12.92 0.29 0.13 0.42 12.63
3 25 12.63 0.29 0.13 0.42 12.34

3 26 12.34 0.30 0.12 0.42 12.04
3 27 12.04 0.30 0.12 0.42 11.75
3 28 11.75 0.30 0.12 0.42 11.44
3 29 11.44 0.31 0.11 0.42 11.14
3 30 11.14 0.31 0.11 0.42 10.83
3 31 10.83 0.31 0.11 0.42 10.52
3 32 10.52 0.31 0.11 0.42 10.20
3 33 10.20 0.32 0.10 0.42 9.89
3 34 9.89 0.32 0.10 0.42 9.57
3 35 9.57 0.32 0.10 0.42 9.24
3 36 9.24 0.33 0.09 0.42 8.91
4 37 8.91 0.33 0.09 0.42 8.58
4 38 8.58 0.33 0.09 0.42 8.25
4 39 8.25 0.34 0.08 0.42 7.91
4 40 7.91 0.34 0.08 0.42 7.57
4 41 7.57 0.34 0.08 0.42 7.23
4 42 7.23 0.35 0.07 0.42 6.88
4 43 6.88 0.35 0.07 0.42 6.53
4 44 6.53 0.35 0.07 0.42 6.18
4 45 6.18 0.36 0.06 0.42 5.82
4 46 5.82 0.36 0.06 0.42 5.46
4 47 5.46 0.37 0.05 0.42 5.09
4 48 5.09 0.37 0.05 0.42 4.72
5 49 4.72 0.37 0.05 0.42 4.35
5 50 4.35 0.38 0.04 0.42 3.97
5 51 3.97 0.38 0.04 0.42 3.59
5 52 3.59 0.38 0.04 0.42 3.21
5 53 3.21 0.39 0.03 0.42 2.82
5 54 2.82 0.39 0.03 0.42 2.43
5 55 2.43 0.40 0.02 0.42 2.04
5 56 2.04 0.40 0.02 0.42 1.64
Year Installment
Outstanding at the
beginning
Pricipal
repayment
Interest
Amount
paid
Outstanding at the
end

5 57 1.64 0.40 0.02 0.42 1.23
5 58 1.23 0.41 0.01 0.42 0.83
5 59 0.83 0.41 0.01 0.42 0.42
5 60 0.42 0.42 0.00 0.42 -0.00
Year Installment
Outstanding at the
beginning
Pricipal
repayment
Interest
Amount
paid
Outstanding at the
end

Debt Service Coverage Ratio
Particulars Year 1 Year 2 Year 3 Year 4 Year 5
Reciepts
a).Net Profit 8.94 5.24 7.89 10.44 9.45
b).Depreciation 3.12 3.15 2.55 2.06 1.67
c).Interest on termloan 2.11 1.73 1.32 0.84 0.31
Total 14.17 10.12 11.75 13.35 11.43
Repayments
a).Loan Principal 2.93 3.30 3.72 4.19 4.72
b).Interest on termloan 2.11 1.73 1.32 0.84 0.31
Total 5.04 5.04 5.04 5.04 5.04
DSCR 2.81 2.01 2.33 2.65 2.27
Average DSCR : 2.42

Depreciation
Particulars Rate Year 1 Year 2 Year 3 Year 4 Year 5
Printer 0.00 0.36 0.32 0.27 0.23 0.19
Less Depreciation 0.05 0.05 0.04 0.03 0.03
Written down value 0.32 0.27 0.23 0.19 0.16
Special computer 0.00 1.80 1.50 1.20 0.96 0.77
Laptop 0.00 3.36 2.80 2.24 1.79 1.43
Computer 0.00 11.25 9.38 7.50 6.00 4.80
Aircondition 0.00 0.85 0.74 0.63 0.54 0.46
Almaras 0.00 0.45 0.41 0.37 0.33 0.30
Racks and furnitures 0.00 1.25 1.15 1.03 0.93 0.84
Office Chairs 0.00 0.75 0.66 0.56 0.47 0.40
Total less depreciation 3.12 3.15 2.55 2.06 1.67
Total written down value 38.80 35.65 33.10 31.04 29.37

Break Even Point
Year1 Year2 Year3 Year4 Year5
Total fixed cost 61.20 67.32 74.05 81.46 89.60
Total variable cost 34.32 37.75 41.53 45.68 50.25
BEP in % of installed capacity % 83.92 % 64.84 % 64.84 % 64.84 % 64.84 %
BEP in sales of Rs 9,000,000.00 9,180,000.00 10,098,000.00 11,107,800.00 12,218,580.00

Assumption
The entire projection is based on the assumption that the sales for 5 years will be
107.25 141.57 155.73 171.30 188.43
From Revenue from online, 7200000, Sales from service, 5670000
Also the total expense for the firm during the projection years will be as follows
79.60 105.07 115.58 127.14 139.85
The depreciation is as follows
Particulars Value
Printer 15%
Special computer 20%
Laptop 20%
Computer 20%
Aircondition 15%
Almaras 10%
Racks and furnitures 10%
Office Chairs 15%
The Term loan repayment is calculated at an interest rate of 12.00% for 5 years
Working capital loan calculated on an interest rate of 14.00 %
Cost of the land on the basis of current rate
Cost of building is based on current rate
Cost of machinery is based on the quotation submitted by the supplier

Value of raw materials & utility charges as per the current market conditions
All other assumptions are calculated based on the basis of experience of the promoter and
deep study on the working of similar model
This report is created using www.finline.in . Finline have bears no financial responsibility on or behalf
of any of the authorized signatories

Conclusion
The project as a whole describes the scope and viability of the IT & IT enabled Units industry and
mainly of the financial, technical and its market potential. When we take a close look at the Debt
Service Coverage Ratio (DSCR), the avg: DSCR is 2.42 : 1, which is at a healthy proposition &
proposes a profitable enture. The Profit and Loss shows a steady growth in profit throughout the
year and the firm has a good Current Ratio (average) of 2.84, this shows the current assets and
current liabilities are managed & balanced well. The project guarantee sufficient fund to repay the
loan and also give a good return on capital investment. When analyzing the social- economic impact,
this project is able to generate an employment of 15 and above. It will cater the demand of IT & IT
enabled Units and thus helps the other business entities to increase the production and service which
provide service and support to this industry. Thus more cyclic employment and livelihood generation.
So in all ways we can conclude the project is technically and socially viable and commercially sound
too.

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