ASHIRWAD STONES

Project Report

Sr. No. Particular

1 Glance
2 Bio-Data
3 Sals Realization
4 Flow Chart
5 Cost Estimate of Plant And Machinery
6 Details of Preliminary and preoprative Exp.
7 Tentative Layout
8 Power
9 Man Power and Wages
10 Organisation Flow Chart
11 Capacity and Raw Material
12 Profit and Loss
13 Depriciation
14 Estimate of Administrative Exp.
15 Interest on term loan
16 Cash flow
17 Balance Sheet
18 DSCR
19 BEP
 ASHIRWAD STONES

PROJECT AT A GLANCE

Sr No Particulars (Rs in Lacs)

I CAPITAL OUTLAY

1 Land -

2 Factory blog and shed -

3 Plant & Machinary 17.78

6 Working Capital Margin 7.22

TOTAL 25.000

II SOURCES OF FUND

1 Promoters contribution (capital) 2.500

2 Bank Term Loan 16.00

3 C.C. limit required From Bank 6.50

TOTAL 25.000
 Annexture-T-I
ASHIRWAD STONES

BIO-DATA OF PROMOTER
PROPRIETOR SHRI RAHUL RAVI AGRAWAL

Sr. No. Particulars Details

1 Name SHRI RAHUL AGRAWAL

2 Father Name SHRI RAVIBABU AGRAWAL

3 Age 27

4 Qualification 12TH
At Buraritola,Post Chidchandbandh, Tahasil
5 Factory Address
Ammagaon, District Gondia-441601
Govindpur Road, Shastri ward, Gondia-
6 Residential Address
441601

7 Experience 5 YEARS RICH EXP.

 Annexture T-II
ASHIRWAD STONES
ANNUAL SALES REALISATION (AT 100% CAPACITY UTILISATION

Sr. No. Particular Quantity Rate/Pcs Amount

1 20MM 55% 13200.00 850 112.20
2 10-12 MM 25% 6000.00 900 54.00
3 Dust 20% 4800.00 500 24.00
Total 24000.00 190.20

Total 190.20

Annual Sales at 60% Capacity utilisation 14400.00 114.12

Annual Sales at 65% Capacity utilisation 15600.00 123.63
Annual Sales at 70% Capacity utilisation 16800.00 133.14
Annual Sales at 75% Capacity utilisation 18000.00 142.65
Annual Sales at 80% Capacity utilisation 19200.00 152.16
160.00
SALES TREND
140.00

120.00

100.00

80.00

60.00

40.00

20.00

0.00
1 2 3 4 5
YEARS
 ANNEXURE – T-III
ASHIRWAD STONES

COST ESTIMATED OF PLANT AND MACHINERY

Amount (Rs.
Sr. No. Particular Qty. Lacs)

As per
1 Crusher Plant 17.000
Quotation

Transportation, Installation and Errection

Add charges, Loading, Unloading, Insurance 0.780
etc.

Total 17.780
 ANNEXURE – T-V
ASHIRWAD STONES

DETAILS OF PRELIMINARY AND PREOPERATIVE EXPENSES

Amount
Sr. No. Particular
(Rs. Lacs)
Interest during the implementation
period, M.S.E.B. deposit &
deposits with Govt. Department
1 0
Mortgage K.V.I.C. Registration
charges Start up and
Miscellaneous expenses.
Total 0

Out of 4 Months implementation period interest has been

calculated for a period of Two Months on the assumption that
the loan will be availed in the Middle stages.
 ANNEXURE – T-IV
ASHIRWAD STONES
TENTATIVE LAYOUT

Sr. No. Particulars Descriptions

1 Location At Buraritola,Post Chidchandbandh,
Tahasil Ammagaon, District Gondia-
441601
2 Land Own

3 Transportation Facilities Available.

4
Infrastructure facilities

4.1 Power 60 H.P. from nearest M.S.E.B.

substation.
4.2 Water Drinking water will be available from
the well already situated beside the
site.
5 Other facility the Bank,Post Available.
office, Hospital etc.
 ANNEXURE – T-V
ASHIRWAD STONES

ESTIMATE OF ANNUAL POWER LOAD

Sr. No. Particular Details

POWER REQUIRMENTS :
1 Annual Load 60 H.P.

2 Load Utilised 60 H.P.

CALCULATION OF POWER :

1 Power Factor 0.746

2 Annual Power consumption 107424 Units

3 Rate 6.5 per unit

4 Annual Power expenditure 698256 Rs.

Annual Sales at 100% Capacity utilisation 6.98 Lacs

Annual Sales at 60% Capacity utilisation 4.19 Lacs

Annual Sales at 65% Capacity utilisation 4.54 Lacs

Annual Sales at 70% Capacity utilisation 4.89 Lacs

Annual Sales at 75% Capacity utilisation 5.24 Lacs

Annual Sales at 80% Capacity utilisation 5.59 Lacs

 ANNEXURE – T-VIII
ASHIRWAD STONES

COST ESTIMATE OF MISCELLANEOUS FIXED ASSETS :

Amount
Sr. No. Particular
(In lacs)
Office furniture like Table,
1 Chair,Almirah, Racks, Calculator 0
etc.
Fire Fighting equipment and
2 First Aid box etc. & telephone 0
etc.
Total 0
 ANNEXURE – T-VI
ASHIRWAD STONES

MAN POWER REQUIREMENT AND ESTIMATES OF ANNUAL

SALARY AND WAGES BILLS
Amount Amount
Sr. No. Particular No.s per paymen
month t
ADMINISTRATIVE DIVISION

1 Manager cum accountant 2 10000 1.2

2 Peon/Choukidar 3 3500 0.42

Total 5 1.62
Add 10% towards social benefits 0.162

Total Salary 1.78

0.15 lacs Rs. Increase every year

Amount Amount
Sr. No. Particular No.s per paymen
month t
PRODUCTION STAFF

1 Supervisor, Operator. 2 8000 1.92

2 Semiskilled worker 5 6000 3.6

3 Unskilled labour 13 5000 7.80

Total 20 13.32
Add 10% towards social benefits 1.33

Total Salary 14.65

0.5 lacs Rs. Increase every year
 ANNEXURE – T- VII
ASHIRWAD STONES

ORGANISATION FLOW CHART

MANAGING PROPRIETOR

FILTERING DIVISION ADMINISTRATIVE

DIVISION

SUPERVISOR MANAGER CUM

ACCOUNT CLERK

MACHINE OPERATOR

UNSKILLED WORKERS
 ANNEXURE – T- VIII

ASHIRWAD STONES

Capacity Estimate of the Plant and Machinary

The Capacity of the crusher plant is10MT per hour.

Hence Annual Capacity Based on single shift working for 300 days will be
No. of days 300 days
No. of Shift 1 Shift
MT per Hour 10 MT
No. of Hours Per Day 8 Hours per day
Total Production per Ann 24000 MT per annum

ASHIRWAD STONES
Rs. In Lacs
Cost Estimate of annual Raw Material Requirments

Particulars Quantity Rate Amount

Black Metal 24000 450 108
Diesal Cost 24000 73 17.52
Other Material LUMP SUM 2.48
- -
Total 128
It is assumed that 1 jar of 20 liters is used maximum for 30 times and then it
will be destroyed for purity & quality purposes.

Raw Material Required Rs. In lacs

At 60% Capacity 76.80
At 65% Capacity 83.20
At 70% Capacity 89.60
At 75% Capacity 96.00
At 80% Capacity 102.40
At 85% Capacity 108.80
. ANNEXURE - F-I
ASHIRWAD STONES

PROFITABILITY PROJECTIONS
Rs. In Lacs
Particulars 2019-20 2020-21 2021-22 2022-23 2023-24
No. of working days 300 300 300 300 300
No. of shifts 1 1 1 1 1
Installed capacity (In MT) 24000 24000 24000 24000 24000
Capacity utilisation 60% 65% 70% 75% 80%
Production quantity (In MT) 14400 15600 16800 18000 19200
SALES :- 114.12 123.63 133.14 142.65 152.16
COST OF PRODUCTION
Raw Material 76.80 83.20 89.60 96.00 102.40
Power 4.19 4.54 4.89 5.24 5.59
Wages including benefits 14.65 15.15 15.65 16.15 16.65
Repair & Maintenance 1.5 1.5 1.60 1.60 1.70
Spare & Stores 0.5 0.5 0.55 0.55 0.60
Insurance 0.25 0.25 0.25 0.25 0.25
Depreciation 2.67 2.27 1.93 1.64 1.39
TOTAL :- 100.56 107.41 114.47 121.43 128.58
ADMINISTRATIVE EXPENSES.
Salary including benefits 1.78 1.93 2.08 2.23 2.38
Other expenses 1.72 2.02 2.22 2.4 2.6
TOTAL :- 3.50 3.95 4.30 4.63 4.98
FINANCIAL EXPENSES.
Interest on Cash Credit 0.78 0.78 0.78 0.78 0.78
Interest on term loan 5.28 4.08 2.93 1.78 0.62
TOTAL :- 6.06 4.86 3.71 2.56 1.40
GRANT TOTAL (B+C+D) : 110.12 116.22 122.48 128.62 134.97
OPERATING PROFIT (A-E) 4.00 7.41 10.66 14.03 17.19
PROFIT BEFORE TAX 4.00 7.41 10.66 14.03 17.19
TAX PAYMENT
PROFIT AFTER TAX 4.00 7.41 10.66 14.03 17.19
CUMULATIVE PROFIT 4.00 11.41 22.08 36.11 53.30
PROFIT IN RS. LACS

20.00
PROFIT TREND
18.00
16.00
14.00
12.00
10.00
8.00
6.00
4.00
2.00
0.00
2019-20 2020-21 2021-22 2022-23 2023-24
YEARS
 ANNEXURE – FII
ASHIRWAD STONES

ESTIMATES OF WORKING CAPITAL AND MARGIN MONEY REQUIREMENT AND

CALCULATION OF WORKING CAPITAL INTEREST
Rs. Lacs
Period in
Sr. No. Ist year Iind year IIIrd Year Ivth Year Vth Year VIth Year
Days
Raw Materials 30 7.68 8.32 8.96 9.60 10.24 #DIV/0!
Jar, Lable, stores & Spare Etc.

Finished goods 2 0.65 0.70 0.75 0.80 0.85 0.00

Receivable 0.91 0.65 0.55 0.45 0.35 0.25

TOTAL : 9.24 9.67 10.26 10.85 11.44 #DIV/0!
Less: Margin Money @10% 0.92 3.17 3.76 4.35 4.94 #DIV/0!
Bank Finance 6.50 6.50 6.50 6.50 6.50 6.50

CALCULATION OF INTEREST ON WORKING CAPITAL :

Year Amount Interest @ 12%
First year 6.50 0.78
Second year 6.50 0.78
Third year 6.50 0.78
Fourth year 6.50 0.78
Fifth year 6.50 0.78
Sixth year 6.50 0.78
 ANNEXURE – F-II
ASHIRWAD STONES

COMPUTATION OF DEPRECIATION
DEPRECIATION SCHEDULE
Rs. In Lacs

Factory blog Plant & Other fixed Total

Particulars Land
and Shed Machinary Assets Rs.

Rate of Depreciation 0% 10% 15% 10%

Opening WDV - - 17.78 - 17.78
Dep. For 1st Year - - 2.67 - 2.67
W.D.V. as on II Year - - 15.11 - 15.11
Dep. For 2st Year - - 2.27 - 2.27
W.D.V. as on III Year - - 12.85 - 12.85
Dep. For 3rd Year - - 1.93 - 1.93
W.D.V. as on IV Year - - 10.92 - 10.92
Dep. For 4th Year - - 1.64 - 1.64
W.D.V. as on V Year - - 9.28 - 9.28
Dep. For 5th Year - - 1.39 - 1.39
W.D.V. as on VI Year - - 7.89 - 7.89
 ANNEXURE – F-III
ASHIRWAD STONES

ESTIMATE OF ADMINISTRATIVE EXPENSES :

Amount
Sr. No. Paricular
(in Lacs)

1 Rent Rates & Taxes 0.2

2 Printing & Stationery 0.1

3 Postage & Telegramme 0.02

4 Legal & Audit Fees 0.1

5 Bank Commission & charges 0.1

6 Miscellaneous expenses. 0.1

7 Travelling expenses. 0.1

8 Telephone expenses. 0.05

9 Advertisement expenses. 0.05

10 Rate difference discount etc. 0.1

11 Transport Expenses 0.8

Total 1.72
 ANNEXURE – F-IV
ASHIRWAD STONES

BANK TERM LOAN

No. of Instailments 60 Nos
Loan Amount 16.00 Period of Installments 1 Months
Rate 12% All the installments shall be of Rs. . ll be of Rs0..27 lach each
Rs. In Lacs

Monthly Principal Interest Principal

Quarter Loan amount Total Interest
Repaymen Payment repayment

1 16.00 0.27 0.48

2 15.74 0.27 0.49
3 15.47 0.27 0.49
4 15.20 0.27 0.46
5 14.94 0.27 0.45
6 14.67 0.27 0.44
7 14.40 0.27 0.43
8 14.14 0.27 0.42
9 13.87 0.27 0.42
10 13.60 0.27 0.41
11 13.34 0.27 0.40
12 13.07 0.27 0.39 5.28 3.20
13 12.80 0.27 0.38
14 12.53 0.27 0.38
15 12.27 0.27 0.37
16 12.00 0.27 0.36
17 11.73 0.27 0.35
18 11.47 0.27 0.34
19 11.20 0.27 0.34
20 10.93 0.27 0.33
21 10.67 0.27 0.32
22 10.40 0.27 0.31
23 10.13 0.27 0.30
24 9.87 0.27 0.30 4.08 3.20
25 9.60 0.27 0.29
26 9.33 0.27 0.28
27 9.07 0.27 0.27
28 8.80 0.27 0.26
29 8.53 0.27 0.26
30 8.27 0.27 0.25
31 8.00 0.27 0.24
32 7.73 0.27 0.23
33 7.47 0.27 0.22
34 7.20 0.27 0.22
35 6.93 0.27 0.21
 36 6.67 0.27 0.20 2.93 3.20
37 6.40 0.27 0.19
38 6.13 0.27 0.18
39 5.87 0.27 0.18
40 5.60 0.27 0.17
41 5.33 0.27 0.16
42 5.07 0.27 0.15
43 4.80 0.27 0.14
44 4.53 0.27 0.14
45 4.27 0.27 0.13
46 4.00 0.27 0.12
47 3.73 0.27 0.11
48 3.47 0.27 0.10 1.78 3.20
49 3.20 0.27 0.10
50 2.93 0.27 0.09
51 2.67 0.27 0.08
52 2.40 0.27 0.07
53 2.13 0.27 0.06
54 1.87 0.27 0.06
55 1.60 0.27 0.05
56 1.33 0.27 0.04
57 1.07 0.27 0.03
58 0.80 0.27 0.02
59 0.53 0.27 0.02
60 0.27 0.27 0.01 0.62 3.20
TOTAL - 16.00 14.69 14.69 16.00
 ANNEXURE – F-V
ASHIRWAD STONES

CASH FLOW STATEMENT

(Figures in Lacs)
S.No. Particulars Cost 2019-20 2020-21 2021-22 2022-23 2023-24

1 Opening Balance - 7.22 0.45 2.50 6.80 13.18

Net profit before tax and
- 10.06 12.27 14.37 16.59 18.60
2 interest
3 Enterprenuer contribution 2.50 0.00 0.00 0.00 0.00 0.00
4 Long term borrowing 16.00 0.00 0.00 0.00 0.00 0.00
5 SubcidyFrom DIC 3.75
Working capital Cash credit
6.50 0.00 0.00 0.00 0.00 0.00
6 limit
7 Deprecition - 2.67 2.27 1.93 1.64 1.39
TOTAL :- 25.00 23.70 14.99 18.80 25.03 33.17
Fixed Assets & Capital
17.78 - - - - -
1 expenses.
2 Increase in current it mets. - 9.24 0.43 0.59 0.59 0.59
Advance to raw material
- 1.00 0.50 1.00 1.00 0.50
3 supplies
Repayment of long term
- 3.20 3.20 3.20 3.20 3.20
4 borrowing
5 Interest - 6.06 4.86 3.71 2.56 1.40
FDR under Bank Lien 3.75

Expences on development of - 0.00 3.50 3.50 4.50 5.50

6 lab & other testing and anaysis
TOTAL :- 17.78 23.25 12.49 12.00 11.84 11.19
CLOSING BALANCES : 7.22 0.45 2.50 6.80 13.18 21.98
 ANNEXURE – F-VI
ASHIRWAD STONES

PROJECTED BALANCE SHEET

Particulars Cost 2019-20 2020-21 2021-22 2022-23 2023-24

LIABILITIES
Enterprenuer capital 2.50 2.50 2.50 2.50 2.50 2.50
Reserve & Surplus - 4.00 11.41 22.08 36.11 53.30
Long term loan 16.00 12.80 9.60 6.40 3.20 0.00
Working capital Cash Credit limit
6.50 6.50 6.50 6.50 6.50 6.50
from Bank.
Total 25.00 25.80 30.01 37.48 48.31 62.30

ASSETS
Gross fixed assets 17.78 17.78 15.11 12.85 10.92 9.28
Less: Depreciation & P&P Exp. 0.00 2.67 2.27 1.93 1.64 1.39
Net Fixed Assets 17.78 15.11 12.85 10.92 9.28 7.89
Current Assets - 9.24 9.67 10.26 10.85 11.44
Advance to Raw Material suppliers - 1.00 1.50 2.50 3.50 4.00
Expences on development of lab &
other testing and anaysis - 0.00 3.50 7.00 11.50 17.00
Cash & Bank Balances 7.22 0.45 2.50 6.80 13.18 21.98
Total 25.00 25.80 30.01 37.48 48.31 62.30
 ANNEXURE – FV-II
ASHIRWAD STONES

CALCULATION OF DEBT SERVICE COVERAGE RATIO

S.No. Description 2019-20 2020-21 2021-22 2022-23 2023-24 TOTAL

1 Net profit afte tax 4.00 7.41 10.66 14.03 17.19 53.30
2 Interest on term loan 5.28 4.08 2.93 1.78 0.62 14.69
3 Depreciation 2.67 2.27 1.93 1.64 1.39 9.89
TOTAL :- 11.95 13.76 15.52 17.45 19.21 77.88

4 Repayment of term loan 3.20 3.20 3.20 3.20 3.20 16.00

5 Interest on term loan 5.28 4.08 2.93 1.78 0.62 14.69
TOTAL :- 8.48 7.28 6.13 4.98 3.82 30.69

Average D.S.C.R. = 2.54

 ANNEXURE – F-VIII
ASHIRWAD STONES

BREAK EVEN ANALYSIS AND SELECTED RATIO

DEBT EQUITY RATIO :

DEBT EQUITY
Particular Amount Particular Amount
Long term loan 16.00 Enterprenuer contribution 2.5
Subcidy From DIC 3.75
Total 16.00 Total 6.25

Debt Equity Ratio 2.56

BREAK EVEN POINT ANALYSIS ON IIIrd YEAR WORKING AT 70% CAPACITY:

Amount
Sr. No. Particular (in lacs)
1 Depreciation 1.93
2 Interet on term loan 2.93
3 Repairs and Maintenance and stores and spares (50%) 1.08
4 Administrative salary & expenses (50%) 2.15
Total 8.08

Fixed cost x 100

B.E.P.
43.11
(in%) Fixed cost + Profit

B.E.P. at 70% Capacity utilisation (in%) 30.18

ENTERPRENUER'S CONTRIBUTION AS PERCENTAGE OF PROJECT COST :

PROJECT COST FIRM CONTRIBUTION

Particular Amount Particular Amount
Enterprenuer contribution 2.50 Enterprenuer contribution 2.50
Term loan 16.00
Cash credit limit from Bank. 6.50
Total 25.00 Total 2.50
Enterprenuer's contribution
(IN%) 10
Project cost