XYZ

Address-
RZ -444, Rohini ,New Delhi

Prepared By-
eFileEase
11- Rohini
Delhi110086

PROJECT REPORT FOR XYZ: Financial Projections

(5 YEARS)
Only fill Green Cell
 Executive Summary
Company Name/NAME OF BUSINESS XYZ
Name of the Promoters/Business Owners Amar
Type of Entity Proprietorship
Registered Address RZ -444, Rohini ,New Delhi
Business Description Manufacturing Business
PAN ABCDE1122A
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 ₹50 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 5 years -
Increament in Sales 120%
Increament in Cost 115%
Interest Rate on Term Loan 10%
Interest Rate on Working Capital Loan 10%
Vision To be a leading global manufacturer recognized for innovation,
sustainability, and excellence in producing high-quality products
Company/Firm 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
ng in [product type].
d efficiency, aiming for

capacity, upgrade
usiness growth.

mance, the company

s-

cognized for innovation,

cing high-quality products
ustomers.

igh-quality manufacturing
logy, skilled workforce, and
customer expectations.

by ABC who have a

ears in Respective
 XYZ
RZ -444, Rohini ,New Delhi
SUMMERY OF PROJECT COST ₹
BUILDING 1000000
PLANT AND MACHINERY 3100000
FURNITURE 300000
COMPUTER 200000
MISCELLANEOUS 0

4600000

UTILISATION OF FUND
FIXED COST 4600000
WORKING CAPITAL 400000
TOTAL 5000000

FINANCE
BANK LAON
TERM LOAN 4600000
CC 400000 5000000

PROMOTOR'S CONTRIBUTION 1000000

Total Project Cost 6000000

 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 0 1000000 0
2 PLANT AND MACHINERY 0 3100000 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 2026-2027
Sl. Addition
Assets Opening Balance
No. Before September 30th After September 30th
1 BUILDING 900000 0 0
2 PLANT AND MACHINERY 2635000 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 2027-2028
Sl. Addition
Assets Opening Balance
No. Before September 30th After September 30th
1 BUILDING 810000 0 0
2 PLANT AND MACHINERY 2239750 0 0
3 FURNITURE 243000 0 0
4 COMPUTER 72000 0 0
5 MISCELLANEOUS 0 0 0

XYZ
RZ -444, Rohini ,New Delhi
Projected Depreciation For Financial Year 2028-2029
Sl. Addition
Assets Opening Balance
No. Before September 30th After September 30th
1 BUILDING 729000 0 0
2 PLANT AND MACHINERY 1903787 0 0
3 FURNITURE 218700 0 0
4 COMPUTER 43200 0 0
 5 MISCELLANEOUS 0 0 0

XYZ
RZ -444, Rohini ,New Delhi
Projected Depreciation For Financial Year 2029-2030
Sl. Addition
Assets Opening Balance
No. Before September 30th After September 30th
1 BUILDING 656100 0 0
2 PLANT AND MACHINERY 1618219 0 0
3 FURNITURE 196830 0 0
4 COMPUTER 25920 0 0
5 MISCELLANEOUS 0 0 0
w Delhi
ncial Year 2025-2026
Rate of Dep
Total Depreciation Closing Balance
1000000 10% 100000 900000
3100000 15% 465000 2635000
300000 10% 30000 270000
200000 40% 80000 120000
0 0 0
675000 3925000

w Delhi
ncial Year 2026-2027
Rate of Dep
Total Depreciation Closing Balance
900000 10% 90000 810000
2635000 15% 395250 2239750
270000 10% 27000 243000
120000 40% 48000 72000
0 0 0
560250 3364750

w Delhi
ncial Year 2027-2028
Rate of Dep
Total Depreciation Closing Balance
810000 10% 81000 729000
2239750 15% 335963 1903787
243000 10% 24300 218700
72000 40% 28800 43200
0 0 0
470063 2894687

w Delhi
ncial Year 2028-2029
Rate of Dep
Total Depreciation Closing Balance
729000 10% 72900 656100
1903787 15% 285568 1618219
218700 10% 21870 196830
43200 40% 17280 25920
 0 0 0
397618 2497069

w Delhi
ncial Year 2029-2030
Rate of Dep
Total Depreciation Closing Balance
656100 10% 65610 590490
1618219 15% 242733 1375486
196830 10% 19683 177147
25920 40% 10368 15552
0 0 0
338394 2158675
 XYZ
RZ -444, Rohini ,New Delhi
Projected Profitability Statement
Particulars Year 1 Year 2
Revenue (Sales) 8500000 10200000
Cost of Goods Sold (COGS)
- Opening Stock 0 540000
- Raw Materials Purchased 2850000 3277500
- Direct Labor 1700000 1955000
- Manufacturing Overheads 400000 460000
- Less: Closing Stock 540000 405000
4410000 5827500
Gross Profit 4090000 4372500
Gross Profit % 48% 43%
Operating Expenses
- Rent 160000 184000
- Salaries and Wages (Admin, Marketing) 800000 920000
- Marketing Expenses 80000 92000
- Utilities and Other Expenses 120000 138000
1160000 1334000
EBITDA (Earnings Before Interest, Tax) 2930000 3038500
Depreciation 675000 560250
EBIT (Earnings Before Interest & Tax) 2255000 2478250
Interest on Loan (10% of ₹4L) 40000 32000
Interest on Loan (10% of ₹46L) 460000 368000
EBT (Earnings Before Tax) 1755000 2078250
Provision for Tax (30%) 526500 623475
Net Profit 1228500 1454775
PAT to Sales% 14% 14%
hi
ment
Year 3 Year 4 Year 5
12240000 14688000 17625600

405000 303750 227812.5

3769125 4334493.75 4984667.8125
2248250 2585487.5 2973310.625
529000 608350 699602.5
303750 227812.5 170859.375
6647625 7604268.75 8714534.0625
5592375 7083731.25 8911065.9375
46% 48% 51%

211600 243340 279841

1058000 1216700 1399205
105800 121670 139920.5
158700 182505 209880.75
1534100 1764215 2028847.25
4058275 5319516.25 6882218.6875
470063 397618 338394
3588212 4921898.25 6543824.6875
24000 16000 8000
276000 184000 92000
3288212 4721898.25 6443824.6875
986463.600000001 1416569.475 1933147.4063
2301748 3305329 4510677
19% 23% 26%
 XYZ
RZ -444, Rohini ,New Delhi
Loan Repayment Schedule (TL)
Year OpeningBalance (₹) Interest (10%) Principal Repayment (₹) EMI (₹) Closing Balance (₹)
1 4600000 460000 920000 1,380,000 3,680,000
2 3,680,000 368000 920000 1,288,000 2,760,000
3 2,760,000 276000 920000 1,196,000 1,840,000
4 1,840,000 184000 920000 1,104,000 920,000
5 920000 92000 920000 1,012,000 0

Loan Repayment Schedule (CC)

Year OpeningBalance (₹) Interest (10%) Principal Repayment (₹) EMI (₹) Closing Balance (₹)
1 400000 40000 80000 120,000 320,000
2 320,000 32000 80000 112,000 240,000
3 240,000 24000 80000 104,000 160,000
4 160,000 16000 80000 96,000 80,000
5 80,000 8000 80000 88,000 0
 XYZ
RZ -444, Rohini ,New Delhi
Projected Balance Sheet
Particulars Year 1 Year 2
Amount (₹) Amount (₹)
Equity and Liabilities
Capital 1000000 1628500
Profit 1228500 1454775
Drawing 600000 1628500 600000 2483275
Non-Current Liabilities
Loan & Advances
Term Loan 3,680,000 2,760,000
Cash Credit 320,000 240,000
Current Liabilities
Provision for Tax 526500 1149975
Accounts Payable 882000 1165500

Total Liabilities 7,037,000 7,798,750

Assets
Non-Current Assets
Fixed Assets 3925000 3364750

Current Assets
Stock 540000 405000
Accounts Receivable 1020000 1224000
Cash and Cash Equivalents 1,552,000 2,805,000

Total Assets 7,037,000.00 7,798,750

XYZ
hini ,New Delhi
Balance Sheet
Year 3 Year 4 Year 5
Amount (₹) Amount (₹) Amount (₹)

2483275 4185023 6890352

2301748 3305329 4510677
600000 4185023 600000 6890352 600000 10801029

1,840,000 920,000 0
160,000 80,000 0

2136439 3553008 5486155

1329525 1520854 1742907

9,650,987 12,964,214 18,030,092

2894687 2497069 2158675

303750 227812.5 170859.375

1468800 1762560 2115072
4,983,750 8,476,772.50 13,585,485.38

9,650,987 12,964,214 18,030,092

 XYZ
RZ -444, Rohini ,New Delhi
Projected Cash Flow Statement
Particulars Year 1 Year 2 Year 3
Operating Activities:
EBIT 2255000 2478250 3588212
Add: Depreciation 675000 560250 470063
Add :Increase/Decrease in Working Capital (Inventory) -540000 135000 101250
Less:Increase in Account Receivable 1020000 204000 244800
Add:- Increase in Accounts Payable 882000 283500 164025

Cash Inflow/Outflow from Operating Activities 2252000 3253000 4078750

Investing Activities
Purchase of Fixed Assets 4600000
Cash Inflow/Outflow from Investing Activities 4600000 0 0
Financing Activities
Loan Repayment 1,000,000.00 1,000,000.00 1,000,000.00
Interest payment 500000 400000 300000
Increase in Capital 1000000
Drawing 600000 600000 600000
Bank Loan 5000000
Cash Inflow/Outflow from Financing Activities 3,900,000.00 2,000,000.00 1,900,000.00
Net Cash Inflow /Outflow 1,552,000.00 1,253,000.00 2,178,750.00

Closing 1,552,000.00 2,805,000.00 4,983,750.00

Year 4 Year 5

4921898.25 6543824.6875
397618 338394
75937.5 56953.125
293760 352512
191329 222053

5293023 6808713

0 0

1,000,000.00 1000000
200000 100000

600000 600000

1,800,000.00 1,700,000.00
3,493,022.50 5,108,712.88

8,476,772.50 13,585,485.38
 XYZ
RZ -444, Rohini ,New Delhi
Year 1 Year 2 Year 3
3,112,000 2.209 4434000 1.915 6,756,300 1.949
Current Ratio
1408500 2315475 3465964

2255000 4.51 2478250 6.196 3588212 11.961

Interest Coverage Ratio
500000 400000 300000

Debt Service Coverage 2930000 1.953 3038500 2.170 4058275 3.122

Ratio (DSCR) 1,500,000 1,400,000 1,300,000
Year 4 Year 5 Current Ratio
10467145.00 2.062954 15871416.75 2.195501 ​Current Ratio=
5073862 7229062

4921898.25 24.60949 6543824.688 65.43825 Interest Coverage Ratio

200000 100000 Interest Coverage Ratio EBIT
Interest

5319516.25 4.43293 6882218.688 6.256562 DSCR Net Operating Income (NOI)

1,200,000 1,100,000 DSCR ​
Total Debt Service (TDS)
Total Debt Service (TDS) is the total amount of debt repayment
 Healthy Bank's Expectation:
Current Assets​ 1.1-1.5 1.2 or Higher
Current Liablity

Healthy Bank's Expectation:

3 or more Around 3 or more

DSCR is 1.20 or higher

amount of debt repayments (both principal and interest)

 SENSITIVITY ANALYSIS
I. REVENUE GROWTH OF 5%
Particulars Year 1 Year 2 Year 3 Year 4 Year 5
Projected revenue 8500000 10200000 12240000 14688000 17625600
% Change 5% 5% 5% 5% 5%
Growth 425000 510000 612000 734400 881280
Updated Revenue 8925000 10710000 12852000 15422400 18506880

Cost of Goods sold 4410000 5827500 6647625 7604269 8714534

Indirect Costs 1160000 1334000 1534100 1764215 2028847
Interest, Depreciation 1175000 960250 770063 597618 438394

Exiting EBT 1755000 2078250 3288212 4721898 6443825

Updated EBT 2180000 2588250 3900212 5456298 7325105
Impact on EBT 425000 510000 612000 734400 881280

I. REVENUE REDUCTION OF (-)5%

Particulars Year 1 Year 2 Year 3 Year 4 Year 5
Projected revenue 8500000 10200000 12240000 14688000 17625600
% Change 5% 5% 5% 5% 5%
Reduction 425000 510000 612000 734400 881280
Updated Revenue 8075000 9690000 11628000 13953600 16744320

Cost of Goods sold 4410000 5827500 6647625 7604269 8714534

Indirect Costs 1160000 1334000 1534100 1764215 2028847
Interest, Depreciation 1175000 960250 770063 597618 438394

Exiting EBT 1755000 2078250 3288212 4721898 6443825

Updated EBT 1330000 1568250 2676212 3987498 5562545
Impact on EBT -425000 -510000 -612000 -734400 -881280
Sensitivity 5%
 MPBF (Maximum Permissible Bank Finance) Tandon Committee
Particulars Year 1 Year 2 Year 3 Year 4
Method 1 MPBF=0.75×(Current Assets−Current Liabilities excluding bank borrowings)
Current Assets 3,112,000 4,434,000 6,756,300 10,467,145

Current Liability(Other than Bank Borrowing) 1408500 2315475 3465964 5073862

Working Capital Gap (WCG) 1,703,500 2,118,525 3,290,336 5,393,283

MPBF 1277625 1588894 2467752 4044962.38

Method 2 75% of Total Current Assets-Current Liabilities excluding bank borrowings

Current Assets 3,112,000 4,434,000 6,756,300 10,467,145
Current Assets 75% 2334000 3325500 5067225 7850358.75

Current Liability(Other than Bank Borrowing) 1408500 2315475 3465964 5073861.83

MPBF 925500 1010025 1601261 2776496.93

 Committee
Year 5
rent Liabilities excluding bank borrowings)
15871416.75

7229062
8,642,354

6481765.84218751

rent Liabilities excluding bank borrowings

15,871,417
11903562.5625

7229062.29375

4674500.26875001
 Notes and Assumptions for Financial Projections

Depreciation has been calculated in accordance with the rates prescribed under the
Depreciation Policy Income Tax Act, 1961.
A detailed Depreciation Schedule has been separately annexed for reference and
verification purposes. The same has been consistently applied in the projection of
fixed asset values and tax liability estimation.

The data presented in the report, including sensitivity analysis, balance sheet
synopsis, and projected financial statements, have been derived using standard
Financial Assumptions financial principles and widely accepted accounting norms.
These include reasonable estimates of revenue growth, operating margins, capital
expenditure, and working capital requirements based on the nature of the business
and prevailing market conditions.
The projections and financial forecasts are premised on the assumption that there
Stability of Regulatory Environment will be no material changes in existing government laws, tax structures, or regulatory
policies that may adversely affect the business operations during the project lifecycle

It is presumed that the business will operate under normal conditions throughout the
No Force Majeure Events Assumed projection period.
No consideration has been given to abnormal or unforeseen events such as natural
disasters, pandemics, war, or major disruptions in supply chain or logistics that may
significantly alter the financial outlook.
h the rates prescribed under the
1.
tely annexed for reference and
ntly applied in the projection of
y estimation.

tivity analysis, balance sheet

e been derived using standard
d accounting norms.
wth, operating margins, capital
ed on the nature of the business
ditions.
d on the assumption that there
aws, tax structures, or regulatory
tions during the project lifecycle

ormal conditions throughout the

foreseen events such as natural

upply chain or logistics that may
l outlook.