Business Idea : 1

Sitting in front of my office computer, I was thinking what would happen if I am fired from the
company the very same day. Half of my monthly salary goes to the treasury of banks in the name
of EMI. With the rest, I need to pay for rent, electricity, food, RD, insurance, mobile bill,
internet(almost 2% ah?!) & etc. I can not stop the payments for any of these. I need to earn mon
ey to pay for all of them as well as save some liquid cash for any emergency.
Starting a business and to see +ve results after 6 or 7 months is not an option considering the
monthly commitments. So I need to start something in a week or two and earn at least the money
equivalent to my monthly commitments which is an whooping 50,000 Rupees. Certainly, my
first try was the God of Software guys - Google. A search for "Earn 50000 a month" returned
23,600,000 results. Many shown the proof of their earnings with the photos of cheques, but none
of them shown me the way to earn it.
Having worked with lots of people, I always used to say "Under pressure anyone would perform,
else he/she under-perform at work". So under pressure, what I am going to do? From where, I am
going to get the magical idea of earning 50,000 rupees a month with little investment? Even after
spending almost half a day, I didn't get any idea. Finally, I decided to reach the current position
from the destination.
Monthly target = Rs. 50,000
Daily target = Rs.2,000 (Considering that u work only for 6 days a week)
From where I can earn Rs.2,000 daily. Share market? Never. I don't want to burn my fingers
again by entering into an uncertain thing. Though lots of people do that (either earn money or
burn fingers). What next? For achieving a daily target of Rs.2,000, I need to sell something.
What to sell? How much I have to sell? How much I may have to work everyday to achieve this
target? Only question marks remained in my mind.
"God is present everywhere". So do ideas for business. For me, it was present in front of me on a
plate and it's called "Chicken Briyani". Interestingly, I need to work for just 4 hours a day. Not
able to believe? Here is how it can be.
Profit per Briyani = Rs. 20
Daily sales needed = 100 Nos
Daily target = Rs.2,000
Monthly target = Rs. 50,000
Time to prepare: 2 hours
Time to sell :2 hours
Total Effort: 4-5 hours/day

Chicken(20kg) - 1600
Rice(10kg) - 400
Onion(5kg) - 100
Tomato(3kg) - 60Yogurt(10cups)- 100
Masala items - 200
Oil - 70
Gas - 200
Transport - 100
Labour - 150
Space - 100
Water - 20
Egg - 300
Plain Gravy - 200
Packing - 100
Other - 300
Rs.4000 for making 100 plates of Briyani
At road side shops, one plate of briyani cost you at least Rs.60. If it is sold at the same rate, we
can make a profit of Rs.20 per plate and out target is achieved in just 4-5 hours a day. Just sit in
the counter and keep collecting cash. Cool job. Rest of the time, you are totally free to do
anything.
Points to be noted:
If you go and say your relatives that you are quitting IT job and selling Briyanis, even though
you the potential to earn more than your current salary and lead a peaceful life, the reaction
would be "Oh my God! Are you mad????? Ever thought of your marriage??? It is going to be
very difficult to find a bride for you. Bla... Bla..." Does it matter? Nope. Not at all to me.
Cool! With this back up resource in mind, oh sorry! back up idea in mind, I am back to my
system to finish off my so called EOD tasks!

Business Idea : 2
Play/Pre-School with a difference
How many of us have an annual salary of Rs.13 Lakhs after 8 years of experience? Just imagine,
if the whole annual salary is given to you on a single day. That's what MS Dhoni earned as

reported by Forbes. Not only him, any sports person/ actor/ musician / singer earn much much
more than what a well educated guy working in a corporate earns. So
where does this difference come from? Does it mean that education doesn't play any role in the
future of a person?
The difference comes from the profession we choose. Though education plays a vital role in the
future of a person, it doesn't mold you to choose any career of you choice/interest. Does it mean
that entire 20 years of education has to
be oriented towards your choice/interest? Need not be. It just has to kindle the interest that sleeps
in your heart. And that should happen when you are below 5 during when your learning curve is
very steep.
As the traditional method of teaching in Pre-school/KGs doesn't achieve this goal. An alternate is
Multi-intelligence play school. As there are criticisms about this method, one can not totally rely
on it. Below listed are the multi-intelligence and the profession a student may choose when
excelling in that.
Visual/Spatial Intelligence - Navigators, sculptors, visual artists, inventors, architects, interior
designers, mechanics, engineers
Verbal/Linguistic Intelligence - Poet, journalist, writer, teacher, lawyer, politician, translator
Logical/Mathematical Intelligence - Scientists, engineers, computer programmers, researchers,
accountants, mathematicians
Bodily/Kinesthetic Intelligence - Athletes, physical education teachers, dancers, actors,
firefighters, artisans
Musical/Rhythmic Intelligence - musician, disc jockey, singer, composerInterpersonal
Intelligence - Counselor, salesperson, politician, business person
Intrapersonal Intelligence - Researchers, theorists, philosophers
Hence, a school which follows the traditional method and have activities that helps the students
to attain multi-intelligence would be the best choice. Coming to our business, how much can one
earn by running a play/pre-school.
The calculation goes here:
Student Strength:
-------------------------Day Care - 15

Pre-KG - 10
LKG - 10
UKG - 10
Summer camp - 10
Part-time - 10
Staff Strength--------------------------Teachers - 4
Care Takers(Aayaa) - 3
Intial Investment
--------------------------Establishment, marketing - 2,00,000
Toys,book,furnitures - 2,00,000
Total - 4,00,000 (4 Lakhs)
Fees Collected in a year
-------------------------Day Care - 15 x 10 months x 2500 per month = 3,75,000
Pre-KG - 10 x 10 months x 2000 per month = 2,00,000
LKG - 10 x 10 months x 2200 per month = 2,20,000
UKG - 10 x 10 months x 2200 per month = 2,20,000
Summer camp - 10 x 2 months x 2500 per month = 50,000
Part-time - 10 x 0.5 months x 2500 per month = 25,000
Total Fees Collected - Rs. 10,77,500
Expenses in a year
---------------------Rent (20,000/month x 12 months) - 2,40,000
Electricity (1,000/month x 12 months) - 12,000
Water (500/month x 12 months) - 6,000
Telephone (1,000/month x 12 months) - 12,000
Repairing toys(1,000/month x 12 months)- 12,000
Teachers pay(4 x 6,000/mo x 12 months)- 2,88,000
Aayaas' pay(3 x 3,000/mo x 12 months) - 1,08,000
Interest on investment (5,000 x 12 mon) - 60,000
Misc (1,000/month x 12 months) - 12,000

Total expenses - 7,50,000

Profit during first year = (Total Fees Collected-Total expenses) = Rs.3,27,500
At the end of 5 years, profit per year could be more than 10 Lakhs.
Points to be noted:
As school is a product which can be sold at a rate higher than the establishment expenses, I have
not taken the initial investment in account while calculating profit. If that is included, then from
second year onwards school would be running in profit and still you can make close to 10 Lakh
rupees every year after 5 years.

Business Idea : 3
Earn a Crore without investing a rupee!
"Invest money, earn money", that is what most of us like to do, without any effort. We want to
invest in a land or a house and sell it at a higher price without worrying too much about it.
Reason behind the skyrocketing real estate prices is the same. I am not blaming anyone, but how
would it be, if you can earn a crore without investing
a rupee?
The moment I wrote the above para, my friend standing behind questioned - Did u just watch any
movie? Or watched "bust to billionaire over a song" video? I did neither of them. But then how
to earn a crore without investing a rupee? Invest your effort and earn money. When you invest
money and you happen to lose it, you are losing your hard earned money. But when you invest
effort, you got nothing to lose.
The idea :
------------Start a home-based recurring deposit that offers 12% interest as opposed to the 8 or 8.5% interest
being offered by post office or banks. Monthly target is Rs.50,000 i.e. you should convince
people and make them to invest Rs.50,000 totally.
Collecting monthly deposit
Rs.50,000 is a huge amount. Isn't it? No, not at all if you break it. It is just 100 persons x Rs.500.
If you can convince 100 persons to open a RD account with you, that's it. Convincing 100
persons is a painful task. But as you know - No pain, No gain.
Assume if someone invest Rs.500 every month in a postal/bank RD. He/She would get a
maximum of Rs.83,000 at the end of 111 months. But with your offer of 12% interest, he/she
would get more than Rs.1,00,000. Highlighting this point would be helpful to convince people.

Potential Customers
----------------------There are two types of customers whom you can convince to open an RD account. 1) People who
earn in the range of Rs.5000 to Rs.10000. With the amount of money they earn every month, it is
difficult for them to invest in a land or gold. So it is easy to convince them to save a small
amount of their monthly earnings. Also, as they get a better interest rate than the postal/bank RD,
they would be happy too.
2) The next category people are those who earn a lot money for whom investing Rs.500 monthly
would be peanuts. Mostly friends who are working in Corporates. It is better to ask them to
invest Rs.5,000 every month so that at the end they would invest at least Rs.500.
How to earn profit
--------------------So you have convinced people and made sure that you get Rs.50,000 every month totally. Half
well crossed. What next? It is time to make profit out of it. The money should grow at the rate of
24%. That is simple. Just lend out the money for 2 rupees interest, if you have the ability to
recollect the money.
Growing at 24% isn't a tough job for a businessman. At the end of first month, Rs.50,000 you
have collected should have grown to Rs.51,000(see the below table). With Rs.50,000, can't we
make Rs.51,000 in one month? We could. Similarly the money should grow every month and at
the end of 111th month, after giving back the money to the investors, you would have
Rs.1,00,00,000(1 Crore).
The calculation :
-------------------In the below table, I have shown how the every month invest of Rs.50,000 grows in Postal RD
and the RD you promised to people at 12% interest. At the end of every month, the monthly
target mentioned here must have been achieved by you i.e you should have made the money to
grow to this amount.
No Postal RD Your RD Montly target EOM Profit 1 50,335 50,500 51,000 500
2 101,007 101,505 103,020 1,515
3 152,019 153,020 156,080 3,060
4 203,373 205,050 210,202 5,152
5 255,070 257,601 265,406 7,805
6 307,114 310,677 321,714 11,037
7 359,507 364,284 379,148 14,865

8 412,250 418,426 437,731 19,305

9 465,348 473,111 497,486 24,375
10 518,800 528,342 558,436 30,094
11 572,611 584,125 620,604 36,479
12 626,783 640,466 684,017 43,550
13 681,317 697,371 748,697 51,326
14 736,217 754,845 814,671 59,826
15 791,485 812,893 881,964 69,071
16 847,123 871,522 950,604 79,081
17 903,133 930,737 1,020,616 89,878
18 959,519 990,545 1,092,028 101,483
19 1,016,283 1,050,950 1,164,868 113,918
20 1,073,427 1,111,960 1,239,166 127,206
21 1,130,954 1,173,579 1,314,949 141,370
22 1,188,867 1,235,815 1,392,248 156,433
23 1,247,167 1,298,673 1,471,093 172,420
24 1,305,858 1,362,160 1,551,515 189,355
25 1,364,942 1,426,282 1,633,545 207,264
26 1,424,422 1,491,044 1,717,216 226,172 27 1,484,301 1,556,455 1,802,561 246,106
28 1,544,581 1,622,519 1,889,612 267,092
29 1,605,265 1,689,245 1,978,404 289,159
30 1,666,355 1,756,637 2,068,972 312,335
31 1,727,854 1,824,703 2,161,351 336,648
32 1,789,766 1,893,450 2,255,579 362,128
33 1,852,092 1,962,885 2,351,690 388,805
34 1,914,836 2,033,014 2,449,724 416,710
35 1,978,001 2,103,844 2,549,718 445,874
36 2,041,588 2,175,382 2,651,713 476,330
37 2,105,602 2,247,636 2,755,747 508,111
38 2,170,045 2,320,613 2,861,862 541,249
39 2,234,919 2,394,319 2,970,099 575,780
40 2,300,228 2,468,762 3,080,501 611,739
41 2,365,974 2,543,949 3,193,111 649,162
42 2,432,161 2,619,889 3,307,973 688,084
43 2,498,792 2,696,588 3,425,133 728,545
44 2,565,869 2,774,054 3,544,636 770,582
45 2,633,395 2,852,294 3,666,528 814,234 46 2,701,374 2,931,317 3,790,859 859,542
47 2,769,808 3,011,130 3,917,676 906,546
48 2,838,701 3,091,742 4,047,029 955,288
49 2,908,055 3,173,159 4,178,970 1,005,811

50 2,977,874 3,255,391 4,313,549 1,058,159

51 3,048,161 3,338,445 4,450,820 1,112,376
52 3,118,919 3,422,329 4,590,837 1,168,508
53 3,190,150 3,507,052 4,733,654 1,226,601
54 3,261,859 3,592,623 4,879,327 1,286,704
55 3,334,049 3,679,049 5,027,913 1,348,864
56 3,406,722 3,766,340 5,179,471 1,413,132
57 3,479,882 3,854,503 5,334,061 1,479,558
58 3,553,532 3,943,548 5,491,742 1,548,194
59 3,627,676 4,033,483 5,652,577 1,619,093
60 3,702,316 4,124,318 5,816,629 1,692,310
61 3,777,457 4,216,062 5,983,961 1,767,900
62 3,853,101 4,308,722 6,154,640 1,845,91863 3,929,252 4,402,309 6,328,733 1,926,424
64 4,005,912 4,496,832 6,506,308 2,009,475
65 4,083,087 4,592,301 6,687,434 2,095,133
66 4,160,779 4,688,724 6,872,183 2,183,459
67 4,238,991 4,786,111 7,060,626 2,274,515
68 4,317,727 4,884,472 7,252,839 2,368,367
69 4,396,991 4,983,817 7,448,896 2,465,079
70 4,476,786 5,084,155 7,648,873 2,564,718
71 4,557,115 5,185,497 7,852,851 2,667,354
72 4,637,983 5,287,852 8,060,908 2,773,056
73 4,719,392 5,391,230 8,273,126 2,881,896
74 4,801,347 5,495,642 8,489,589 2,993,946
75 4,883,851 5,601,099 8,710,380 3,109,282
76 4,966,908 5,707,610 8,935,588 3,227,978
77 5,050,522 5,815,186 9,165,300 3,350,114
78 5,134,695 5,923,838 9,399,606 3,475,768
79 5,219,432 6,033,576 9,638,598 3,605,022
80 5,304,738 6,144,412 9,882,370 3,737,958
81 5,390,614 6,256,356 10,131,017 3,874,661
82 5,477,067 6,369,420 10,384,638 4,015,218
83 5,564,098 6,483,614 10,643,330 4,159,717 84 5,651,712 6,598,950 10,907,197 4,308,247
85 5,739,914 6,715,439 11,176,341 4,460,902
86 5,828,706 6,833,094 11,450,868 4,617,774
87 5,918,094 6,951,925 11,730,885 4,778,960
88 6,008,080 7,071,944 12,016,503 4,944,559
89 6,098,669 7,193,163 12,307,833 5,114,669
90 6,189,865 7,315,595 12,604,989 5,289,394
91 6,281,672 7,439,251 12,908,089 5,468,838

92 6,374,094 7,564,143 13,217,251 5,653,108

93 6,467,136 7,690,285 13,532,596 5,842,311
94 6,560,801 7,817,688 13,854,248 6,036,560
95 6,655,093 7,946,365 14,182,333 6,235,968
96 6,750,017 8,076,328 14,516,980 6,440,651
97 6,845,577 8,207,592 14,858,319 6,650,728
98 6,941,778 8,340,167 15,206,486 6,866,318
99 7,038,622 8,474,069 15,561,615 7,087,546
100 7,136,116 8,609,310 15,923,848 7,314,538
101 7,234,263 8,745,903 16,293,325 7,547,422
102 7,333,068 8,883,862 16,670,191 7,786,329
103 7,432,534 9,023,201 17,054,595 8,031,394
104 7,532,667 9,163,933 17,446,687 8,282,754
105 7,633,471 9,306,072 17,846,620 8,540,549
106 7,734,950 9,449,633 18,254,553 8,804,920 107 7,837,110 9,594,629 18,670,644 9,076,015
108 7,939,953 9,741,075 19,095,057 9,353,982
109 8,043,486 9,888,986 19,527,958 9,638,972
110 8,147,712 10,038,376 19,969,517 9,931,141
111 8,252,637 10,189,260 20,419,907 10,230,648(1 Crore)
Points to be noted:
--------------------If you are a believer of the proverb - 'No pain, no gain', you could succeed in this business. The
number 111 is often used as a sign of looting. Hope you don't loot others with this idea. Else it
will be another Chit Fund or Financial Company story :-)