2024

PROJECT
REPORT

Sagar
Chak sikandar Bidupur Jandaha Road Hajipur Vaishali
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Project at a glance

Name & Address of Unit

Sagar
Chak sikandar Bidupur Jandaha Road Hajipur Vaishali,844115

Activity : Retail trade of cloth

Email : luckya1702@[Link]

Phone : 9431650818

Constitution : Proprietorship

Scheme : mudra

Number of employment : 5

Total project cost : 5,60,000.00

Fixed Capital : 5,60,000.00

Total Bank loan : 5,04,000.00

Promoter(s) contribution : 56,000.00

Term loan : 5,04,000.00 Interest : 11.00 %

Name & address of promoter(s)

Name : Lucky Aryan

Address : Chak sikandar Bidupur Jandaha Road Hajipur Vaishali

Phone : 9431650818

Designation : Founder

Category : OBC

E-mail : luckya1702@[Link]
 Project Feasibility Ratio

Debt Service Coverage Ratio (Average) : 13.52

Year 1 Year 2 Year 3 Year 4 Year 5

Current ratio [Link] [Link] [Link] 0.00 [Link]

Quick ratio [Link] [Link] [Link] 0.00 [Link]

Interest coverage ratio [Link] [Link] [Link] 109.08 [Link]

Debt equity ratio [Link] [Link] [Link] 0.02 [Link]

TOL/TNW [Link] [Link] [Link] 0.02 [Link]

DSCR [Link] [Link] [Link] 14.32 [Link]

Gross profit Sales Percentage % [Link] [Link] [Link] 23.26 % [Link]

Net profit Sales Percentage % [Link] [Link] [Link] 14.52 % [Link]

Return On Capital Employed [Link] [Link] [Link] 0.42 [Link]

Net profit Sales % Quick ratio

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Project Feasibility graph
Revenue v/s Expense

Expense Splitup

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 Project Cost
Sl. no Item Amount Rs.

1 Other investments [Link]

Total [Link]

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Annual Sales / Revenue

Sales is calculated from July 2024

Sl. no Item Rate Quantity Month Unit Total Rs.

1 Revenue from Sales [Link] [Link] 750 [Link] 9 [Link] 71,65,782.00

Total [Link]

Total Yearly Expense

Expense is calculated from July 2024 .

Sl. no Item Amount Rs.

1 Salary [Link]

2 Electricity/Gas charges [Link]

3 Stock purchase [Link]

4 Transportation cost [Link]

5 Miscellaneous expenses [Link]

Total [Link]

Application of Fund
Sl. no Item Subsidy % No. Rate Amount Rs.

1 Other investments [Link] [Link] 5,60,000.00 [Link]

Total Investment [Link]

Total Subsidy [Link]

Net Investment [Link]

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 Means of Finance
Sl. no Item Amount

1 Term Loan [Link]

2 Total loan [Link]

3 Promoters contribution on term loan [Link]

 Profitability Statement
All figures are in lakhs
31/03/25 31/03/26 31/03/27 31/03/28 31/03/29

Revenue from operation [Link] [Link] [Link]

Revenue from Sales [Link] [Link] 112.98 [Link] 136.70

Add : [Link] [Link] [Link]

Closing stock [Link] [Link] 0 [Link] 0

Total [Link] [Link] 112.98 [Link] 136.70

Less : [Link] [Link] [Link]

Opening stock [Link] [Link] 0 [Link] 0

Stock purchase [Link] [Link] 85.14 [Link] 103.01

Salary [Link] [Link] 1.41 [Link] 1.71

Electricity/Gas charges [Link] [Link] 0.14 [Link] 0.17

Total [Link] [Link] 86.70 [Link] 104.90

Gross profit [Link] [Link] 26.27 [Link] 31.79

Less : [Link] [Link] [Link]

Transportation cost [Link] [Link] 1.41 [Link] 1.71

Miscellaneous expenses [Link] [Link] 0.71 [Link] 0.86

Total [Link] [Link] 2.12 [Link] 2.57

Profit before interest, tax and depreciation [Link] [Link] 24.15 [Link] 29.22

Depreciation [Link] [Link] 0.63 [Link] 0.46

Interest on TL [Link] [Link] 0.35 [Link] 0.12

Interest on WC [Link] [Link] 0 [Link] 0

Profit before tax [Link] [Link] 23.16 [Link] 28.64

Income Tax [Link] [Link] 6.94 [Link] 8.59

Profit after tax [Link] [Link] 16.21 [Link] 20.05

 Cash flow statement
All figures are in lakhs
Cash Inflow Pre operative period 31/03/25 31/03/26 31/03/27 31/03/28 31/03/29
Capital [Link] [Link] [Link] 0 [Link] 0
Subsidy [Link] [Link] [Link] 0 [Link] 0
Termloan [Link] [Link] [Link] 0 [Link] 0
Profit before tax with interest [Link] [Link] [Link] 23.51 [Link] 28.76
Increase in WC loan [Link] [Link] [Link] 0 [Link] 0
Depreciation [Link] [Link] [Link] 0.63 [Link] 0.46
Increase in Current liability [Link] [Link] [Link] 0 [Link] 0
Total Cash Inflow [Link] [Link] [Link] 24.15 [Link] 29.22

Cash Outflow
Fixed Assets [Link] [Link] [Link] 0 [Link] 0
Increase in Current asset [Link] [Link] [Link] 0 [Link] 0
Interest on TL [Link] [Link] [Link] 0.35 [Link] 0.12
Interest on WC [Link] [Link] [Link] 0 [Link] 0
Income Tax [Link] [Link] [Link] 6.94 [Link] 8.59
Decrease in Term loan [Link] [Link] [Link] 0.96 [Link] 1.19
Drawing [Link] [Link] [Link] 0 [Link] 0
Total Cash Outflow [Link] [Link] [Link] 8.26 [Link] 9.90
Opening balance [Link] [Link] [Link] 24.55 [Link] 57.95
Net Cashflow [Link] [Link] [Link] 15.88 [Link] 19.31
Closing balance [Link] [Link] [Link] 40.44 [Link] 77.27
 Balance sheet
All figures are in lakhs
Liability Pre operative period As of 31/03/25 31/03/26 31/03/27 31/03/28 31/03/29

A. Share holders funds [Link] [Link] [Link] [Link]

Capital [Link] [Link] [Link] 0.56 [Link] 0.56

Reserve & Surplus [Link] [Link] [Link] 40.77 [Link] 78.87

[Link] current Liabilities [Link] [Link] [Link] [Link]

Termloan [Link] [Link] [Link] 2.69 [Link] 0.43

[Link] Liabilities [Link] [Link] [Link] [Link]

Working capital loan [Link] [Link] [Link] 0 [Link] 0

Account payable [Link] [Link] [Link] 0 [Link] 0

Total Liability 5.60 15.11 28.77 44.03 61.01 79.86

Asset [Link] [Link] [Link] [Link]

A. Non current Assets [Link] [Link] [Link] [Link]

Fixed Assets [Link] [Link] [Link] 3.59 [Link] 2.59

B. Current Assets [Link] [Link] [Link] [Link]

Inventory [Link] [Link] [Link] 0 [Link] 0

Trade receivables [Link] [Link] [Link] 0 [Link] 0

Cash and cash equivalence [Link] [Link] [Link] 40.44 [Link] 77.27

Total Asset 5.60 15.11 28.77 44.03 61.01 79.86

 Repayment of Term loan
All figures are in lakhs
Outstanding at the Principal Amount Outstanding at the
Year Month Installment Interest
beginning repayment paid end

1 [Link] [Link] 0.063 [Link] 0.11 [Link]

[Link]

1 [Link] [Link] [Link] 0.064 [Link] 0.11 [Link]

1 [Link] [Link] [Link] 0.065 [Link] 0.11 [Link]

1 [Link] [Link] 0.065 [Link] 0.11 [Link]

[Link]

1 [Link] [Link] [Link] 0.066 [Link] 0.11 [Link]

1 [Link] [Link] [Link] 0.066 [Link] 0.11 [Link]

1 [Link] [Link] [Link] 0.067 [Link] 0.11 [Link]

1 [Link] [Link] 0.068 [Link] 0.11 [Link]

[Link]

2 [Link] [Link] [Link] 0.068 [Link] 0.11 [Link]

2 [Link] [Link] 0.069 [Link] 0.11 [Link]

[Link]

2 [Link] [Link] [Link] 0.069 [Link] 0.11 [Link]

2 [Link] [Link] [Link] 0.070 [Link] 0.11 [Link]

2 [Link] [Link] 0.071 [Link] 0.11 [Link]

[Link]

2 [Link] [Link] [Link] 0.071 [Link] 0.11 [Link]

2 [Link] [Link] [Link] 0.072 [Link] 0.11 [Link]

2 [Link] [Link] 0.073 [Link] 0.11 [Link]

[Link]

2 [Link] [Link] [Link] 0.073 [Link] 0.11 [Link]

2 [Link] [Link] [Link] 0.074 [Link] 0.11 [Link]

2 [Link] [Link] [Link] 0.075 [Link] 0.11 [Link]

2 [Link] [Link] 0.075 [Link] 0.11 [Link]

[Link]

3 [Link] [Link] [Link] 0.076 [Link] 0.11 [Link]

3 [Link] [Link] 0.077 [Link] 0.11 [Link]

[Link]

3 [Link] [Link] [Link] 0.077 [Link] 0.11 [Link]

3 [Link] [Link] [Link] 0.078 [Link] 0.11 [Link]

3 [Link] [Link] 0.079 [Link] 0.11 [Link]

[Link]

3 [Link] [Link] [Link] 0.080 [Link] 0.11 [Link]

3 [Link] [Link] [Link] 0.080 [Link] 0.11 [Link]

3 [Link] [Link] 0.081 [Link] 0.11 [Link]

[Link]

3 [Link] [Link] [Link] 0.082 [Link] 0.11 [Link]

 Outstanding at the Principal Amount Outstanding at the
Year Month Installment Interest
beginning repayment paid end

3 [Link] [Link] [Link] 0.083 [Link] 0.11 [Link]

3 [Link] [Link] [Link] 0.083 [Link] 0.11 [Link]

3 [Link] [Link] 0.084 [Link] 0.11 [Link]

[Link]

4 [Link] [Link] [Link] 0.085 [Link] 0.11 [Link]

4 [Link] [Link] 0.086 [Link] 0.11 [Link]

[Link]

4 [Link] [Link] [Link] 0.086 [Link] 0.11 [Link]

4 [Link] [Link] [Link] 0.087 [Link] 0.11 [Link]

4 [Link] [Link] 0.088 [Link] 0.11 [Link]

[Link]

4 [Link] [Link] [Link] 0.089 [Link] 0.11 [Link]

4 [Link] [Link] [Link] 0.090 [Link] 0.11 [Link]

4 [Link] [Link] 0.090 [Link] 0.11 [Link]

[Link]

4 [Link] [Link] [Link] 0.091 [Link] 0.11 [Link]

4 [Link] [Link] [Link] 0.092 [Link] 0.11 [Link]

4 [Link] [Link] [Link] 0.093 [Link] 0.11 [Link]

4 [Link] [Link] 0.094 [Link] 0.11 [Link]

[Link]

5 [Link] [Link] [Link] 0.095 [Link] 0.11 [Link]

5 [Link] [Link] 0.096 [Link] 0.11 [Link]

[Link]

5 [Link] [Link] [Link] 0.096 [Link] 0.11 [Link]

5 [Link] [Link] [Link] 0.097 [Link] 0.11 [Link]

5 [Link] [Link] 0.098 [Link] 0.11 [Link]

[Link]

5 [Link] [Link] [Link] 0.099 [Link] 0.11 [Link]

5 [Link] [Link] [Link] 0.10 [Link] 0.11 [Link]

5 [Link] [Link] 0.10 [Link] 0.11 [Link]

[Link]

5 [Link] [Link] [Link] 0.10 [Link] 0.11 [Link]

5 [Link] [Link] [Link] 0.10 [Link] 0.11 [Link]

5 [Link] [Link] [Link] 0.10 [Link] 0.11 [Link]

5 [Link] [Link] 0.10 [Link] 0.11 [Link]

[Link]

6 [Link] [Link] [Link] 0.11 [Link] 0.11 [Link]

6 [Link] [Link] 0.11 [Link] 0.11 [Link]

[Link]

6 [Link] [Link] [Link] 0.11 [Link] 0.11 [Link]

6 [Link] [Link] [Link] 0.11 [Link] 0.11 [Link]

 Debt Service Coverage Ratio
All figures are in lakhs
Particulars 31/03/25 31/03/26 31/03/27 31/03/28 31/03/29

Receipts

a).Net Profit [Link] [Link] [Link] 18.04 [Link]

b).Depreciation [Link] [Link] [Link] 0.54 [Link]

c).Interest on termloan [Link] [Link] [Link] 0.24 [Link]

Total [Link] [Link] [Link] 18.83 [Link]

Repayments

a).Loan Principal [Link] [Link] [Link] 1.07 [Link]

b).Interest on termloan [Link] [Link] [Link] 0.24 [Link]

Total [Link] [Link] [Link] 1.31 [Link]

DSCR [Link] [Link] [Link] 14.32 [Link]

Average DSCR : 13.52

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Depreciation
All figures are in lakhs
Particulars Rate 31/03/25 31/03/26 31/03/27 31/03/28 31/03/29

Other investments [Link] [Link] [Link] 4.22 [Link] 3.05

Less Depreciation [Link] [Link] [Link] 0.63 [Link] 0.46

Written down value [Link] [Link] [Link] 3.59 [Link] 2.59

Total less depreciation [Link] [Link] [Link] 0.63 [Link] 0.46

Total written down value [Link] [Link] [Link] 3.59 [Link] 2.59

Assumption
The entire projection is based on the assumption that the sales for 5 years will be

All figures are in lakhs

31/03/25 31/03/26 31/03/27 31/03/28 31/03/29

[Link] [Link] 112.98 [Link] 136.71

Revenue from Sales : 9554376

Also the total expense for the firm during the projection years will be as follows

31/03/25 31/03/26 31/03/27 31/03/28 31/03/29

 [Link] [Link] 88.83 [Link] 107.48

• The depreciation is as follows

Particulars Value

Other investments [Link]

• Cost of Machinery is based on direct purchase from the market on deepest study

• 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 [Link] . 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 Trading industry and mainly of the financial,
technical and its market [Link] 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 5 and above. It will cater the demand of Trading 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.

When we take a close look at the Debt Service Coverage Ratio (DSCR), the avg: DSCR is 13.52 : 1, which is at a
higher proposition and proposes a stable venture

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