XYZ
Address-
RZ -444, Rohini ,New Delhi
Prepared By-
eFileEase
11- Rohini
Delhi110086
PROJECT REPORT FOR XYZ: Financial Projections
Executive Summary
Company Name: XYZ
Business Overview [Company Name] is a manufacturing unit specializing in [product type].
We focus on high-quality production, innovation, and efficiency, aiming for
growth in domestic markets.
Loan Requirement We seek a loan of ₹25 lacs to expand production capacity, upgrade
technology, and manage working capital for business growth.
Financial Projections: Based on market trends and current business performance, the company
is projecting over the next 3 years -
Increament in Sales 125%
Increament in Cost 120%
Interest Rate on Term Loan 10%
Interest Rate on Working Capital Loan 10%
Vision To be a leading global manufacturer recognized for innovation,
Company/Firm sustainability, and excellence in producing high-quality products
Overview that meet the evolving needs of our customers.
Mission To deliver reliable, cost-effective, and high-quality manufacturing
solutions by leveraging advanced technology, skilled workforce, and
continuous improvement to exceed customer expectations.
Ownership and XYZ is owned and operated by ABC who have a
Management: combined experience of....years in Respective
Industry
XYZ
RZ -444, Rohini ,New Delhi
SUMMERY OF PROJECT COST ₹
BUILDING 1000000
PLANT AND MACHINERY 600000
FURNITURE 300000
COMPUTER 200000
MISCELLANEOUS 0
2100000
UTILISATION OF FUND
FIXED COST 2100000
WORKING CAPITAL 400000
TOTAL 2500000
FINANCE
BANK LAON
TERM LOAN 1700000
CC 300000 2000000
PROMOTOR'S CONTRIBUTION 500000
2500000
XYZ
RZ -444, Rohini ,New Delhi
Projected Depreciation For Financial Year 2024-2025
Sl. Addition
Assets Opening Balance
No. Before September 30th After September 30th
1 BUILDING 0 1000000 0
2 PLANT AND MACHINERY 0 600000 0
3 FURNITURE 0 300000 0
4 COMPUTER 0 200000 0
5 MISCELLANEOUS 0 0 0
XYZ
RZ -444, Rohini ,New Delhi
Projected Depreciation For Financial Year 2025-2026
Sl. Addition
Assets Opening Balance
No. Before September 30th After September 30th
1 BUILDING 900000 0 0
2 PLANT AND MACHINERY 510000 0 0
3 FURNITURE 270000 0 0
4 COMPUTER 120000 0 0
5 MISCELLANEOUS 0 0 0
XYZ
RZ -444, Rohini ,New Delhi
Projected Depreciation For Financial Year 2026-2027
Sl. Addition
Assets Opening Balance
No. Before September 30th After September 30th
1 BUILDING 810000 0 0
2 PLANT AND MACHINERY 433500 0 0
3 FURNITURE 243000 0 0
4 COMPUTER 72000 0 0
5 MISCELLANEOUS 0 0 0
w Delhi
cial Year 2024-2025
Rate of Dep
Total Depreciation Closing Balance
1000000 10% 100000 900000
600000 15% 90000 510000
300000 10% 30000 270000
200000 40% 80000 120000
0 0 0
300000 1800000
w Delhi
cial Year 2025-2026
Rate of Dep
Total Depreciation Closing Balance
900000 10% 90000 810000
510000 15% 76500 433500
270000 10% 27000 243000
120000 40% 48000 72000
0 0 0
241500 1558500
w Delhi
cial Year 2026-2027
Rate of Dep
Total Depreciation Closing Balance
810000 10% 81000 729000
433500 15% 65025 368475
243000 10% 24300 218700
72000 40% 28800 43200
0 0 0
199125 1359375
XYZ
RZ -444, Rohini ,New Delhi
Projected Profitability Statement
Particulars Year 1 Year 2
Revenue (Sales) 2000000 2500000
Cost of Goods Sold (COGS)
- Opening Stock 0 540000
- Raw Materials Purchased 750000 900000
- Direct Labor 300000 360000
- Manufacturing Overheads 100000 120000
- Less: Closing Stock 540000 405000
610000 1515000
Gross Profit 1390000 985000
Operating Expenses
- Rent 60000 72000
- Salaries and Wages (Admin, Marketing) 100000 120000
- Marketing Expenses 80000 96000
- Utilities and Other Expenses 80000 96000
320000 384000
EBITDA (Earnings Before Interest, Tax) 1070000 601000
Depreciation 300000 241500
EBIT (Earnings Before Interest & Tax) 770000 359500
Interest on Loan (11% of ₹3L) 30000 20000
Interest on Loan (10% of ₹17L) 170000 113333.3
EBT (Earnings Before Tax) 570000 226166.7
Provision for Tax (30%) 171000 67850.01
Net Profit 399000 158317
Year 3
3125000
405000
1080000
432000
144000
303750
1757250
1367750
86400
144000
115200
115200
460800
906950
199125
707825
10000
56666.6
641158.4
192347.52
448811
XYZ
RZ -444, Rohini ,New Delhi
Loan Repayment Schedule (TL)
Year OpeningBalance (₹) Interest (10%) Principal Repayment (₹) EMI (₹) Closing Balance (₹)
1 1700000 170000 566,667.00 736,667 1,133,333
2 1,133,333 113333 566,667.00 680,000 566,666
3 566,666 56667 566,666.00 623,333 0
Loan Repayment Schedule (CC)
Year OpeningBalance (₹) Interest (10%) Principal Repayment (₹) EMI (₹) Closing Balance (₹)
1 300000 30000 100,000.00 130,000 200,000
2 200,000 20000 100,000.00 120,000 100,000
3 100,000 10000 100,000.00 110,000 0
XYZ
RZ -444, Rohini ,New Delhi
Projected Cash Flow Statement
Particulars Year 1 Year 2 Year 3
Operating Activities:
EBIT 770000 359500 707825
Add: Depreciation 300000 241500 199125
Add :Increase/Decrease in Working Capital (Inventory) -540000 135000 101250
Less:Increase in Account Receivable 150000 30000 36000
Add:- Increase in Accounts Payable 122000 181000 48450
Cash Inflow/Outflow from Operating Activities 502000 887000 1020650
Investing Activities
Purchase of Fixed Assets 2100000
Cash Inflow/Outflow from Investing Activities 2100000 0 0
Financing Activities
Loan Repayment 666,667.00 666,667.00 666,666.00
Interest payment 200000 133333 66667
Increase in Capital 500000
Drawing 0 0 0
Bank Loan 2000000
Cash Inflow/Outflow from Financing Activities 1,633,333.00 800,000.30 733,332.60
Net Cash Inflow /Outflow 35,333.00 86,999.70 287,317.40
Closing 35,333.00 122,332.70 409,650.10
XYZ
RZ -444, Rohini ,New Delhi
Projected Balance Sheet
Year 1 Year 2
Particulars Amount (₹) Amount (₹)
Equity and Liabilities
Capital 500000 899000
Profit 399000 158317
Drawing 0 899000 0 1057317
Non-Current Liabilities
Loan & Advances
Term Loan 1,133,333 566,666
Cash Credit 200,000 100,000
Current Liabilities
Provision for Tax 171000 238850
Accounts Payable 122000 303000
Total Liabilities 2,525,333 2,265,833
Assets
Non-Current Assets
Fixed Assets 1800000 1558500
Current Assets
Stock 540000 405000
Accounts Receivable 150000 180000
Cash and Cash Equivalents 35,333 122,333
Total Assets 2,525,333.00 2,265,833
Year 3
Amount (₹)
1057317
448811
0 1506128
0
0
431198
351450
2,288,775
1359375
303750
216000
409,650
2,288,775
XYZ
RZ -444, Rohini ,New Delhi
Year 1 Year 2 Year 3
725,333 2.476 707333 1.305 929,400 1.188
Current Ratio
293000 541850 782648
770000 3.85 359500 2.696 707825 10.617
Interest Coverage Ratio
200000 133333.3 66666.6
Debt Service Coverage 1070000 1.235 601000 0.751 906950 1.237
Ratio (DSCR) 866,667 800,000 733,333
Current Ratio Healthy Bank's Expectation:
Current Ratio= Current Assets 1.1-1.5 1.2 or Higher
Current Liablity
Interest Coverage Ratio Healthy Bank's Expectation:
EBIT 3 or more Around 3 or more
Interest Coverage Ratio
Interest
DSCR
Net Operating Income (NOI)
DSCR DSCR is 1.20 or higher
Total Debt Service (TDS)
Total Debt Service (TDS) is the total amount of debt repayments (both principal and
interest)
