ON

READYMADFE GARMENTS BUSINESS

OF
PMEGP

UNDER
DIC, DHALAI

SUBMITTED BY:

NAME : SRI BISWAJIT ROY

S/O : SRI HIRALAL ROY
VILL : KULAI NABAGRAM, BASUDEB PARA
PO : KULAI, PS: - AMBASSA, SUB: AMBASSA
DISTRIC : DHALAI STATE: TRIPURA PIN NO:-799204
CONTACT NO: - 8415035515
 HIGHLIGHT OF THE PROJECT SUMMARY

1. NAME IF THE ACTIVITY : READYMADE GARMENTS BUSINESS

2. Name of the Entrepreneur : SMT BISWAJIT ROY
3. Husband’s name : SRI HIRALAL ROY
4. Address of the applicant : VILL- NABAGRAM,KULAI,BASUDEB PARA
 PO- KULAI, PS-  AMBASSA, SUVDIVISAION -
AMBASSA, DISTRICT-DHALAI, STATE-TRIPURA,
          PIN NO -799278
5. Location of the proposed business : KULAI
6. Cast : GENERAL
7. Qualification : MADHYAMIK PASSED
8. DOB : 14/06/1979
9. Aadhar card no : 8188 5133 1545
10. Contact no : 8415035515
11. Pan card No : CYDPR6910D
12. Technical and other qualification : Nil
13. Experience :Got practical 20years experience of this
Business
14. Special marketing avenues if any : This is viable unit scheme
15. Employment potential :1 nos
16. Proposed bank : United Bank of India, Ambassa Branch.
17. Account No : 0582010751230
18. Repayment period : as per bank norms
19. Proposed Bank : United Bank of India, Ambassa Branch.
20. Total project cost : Rs.5,00,000.00
a) Working capital : Rs.4,00,000.00
b) Fixed Expenditure : Rs.1,00,000.00

Total- Rs.5, 00,000/-

21. SOURCE OF FUND:-
a) Margin Money (5%) : Rs.25,000/-
a) Bank Loan (95%) : Rs.4,75,000/-
Total- Rs.5, 00,000/-

21. Rate of interest of bank : 12%

22. Sales turn over (P.A) : Rs.12,00,000.00
23. Annual profit : Rs. 3,00,000.00
24. Break Even Point : 30%
25. Address of Raw material suppliers : AGARTALA, DHARMANAGAR,
CALCUTTA, GUWAHATI, SILCHAR & DELHI.
 PROJECT REPORT
ON
READYMADE GARMENTS BUSINESS

PROPOSED PROJECT: - The proposed project is being to set up

readymade garments business at Kulai, DhalaiTripura.

INTRODUCTION:
The business of garments is now a developed business in its own
right people inclination towards the readymade cloths is rising day by day. This
inclination can be attributed to their busy schedules and the attractive designs asc
well as variety in the readymade cloths. Although there is a considerable big range
under readymade cloths but here we shall deal with children wear and gents
pant-shirts. Market of such cloths is quite wide and materials required for making
such clothes is also not a problem even on local level.
MARKET POTENTIAL:
The marketing of any product is the decision making factor of the
existence of the unit and on considering that the promoter has taken all the
possible ways for marketing such as direct sales and personal contacts etc. In fact
the promoter had made a wide network of marketing for the last one year and is
capable for the forthcoming years also. The marketing area is concentrated in
retail shops of small towns and there are a number of dealers through which the
product can be sold. Most care will be taken in the change of fashion and trends
as they are much affected in the field of ready-made garments.
ASSUMPTION
It is assumed that there will not be any major increase in the rate of
raw material and any major changes in prices will be compensated with
corresponding change in product.
CONCLUSION
On revealing the various aspects of the project and studying the
financial & technical features of the scheme it can easily be noted that the
above project will be a great success. The economics of the project is detailed
as follows.
 FINANCIAL ASPECT
Subsidy

@ Rs. 35% will be charged on total project cost /sanction Amount

as per PMEGP norms.

A. Fixed Expenditure : Rs.1,00,000.00

1. Cost of Electric wiring, Fan, Tube : Rs. 1000.00

Bulb, etc.
2. Miss. Expenses
Furniture, counter, chair, table, rack, etc. would be required for the shop, the expected
expenditure       over which would be around
: Rs.70,000.00.
3. Expenses over the decoration of the shop : Rs. 30,000.00
4. THUS THE TOTAL FIXED CAPITAL RS.1,00,000.00
(1+2+3 of A)

B. Working Capital

1. RAW MATERIALS : Rs.3,87,600.00

[Eg. Jeans pants (for men/women/children), Gabardine pants (for men/women
/children)All kinds pants (for men/women/children), all kinds shirts (for men/women
/children), Baba suits(for men/women/children), Frock (for men/women/children),
Jeans pants (for men/women/children)Tricots shirts (for men/women/children),
Cotton pants (for men/women/children), T-shirts (for men/women/children)
Pyjama-kurta (for men/women/children), Socks (for men/women/children),
Handkerchief, Ladies gowns (for men/women/children), Ladies suits (for men/women
/children), other garments items]

2. MANPOWER FOR ONE MONTH:

i. Manager cum Supervisor : SELF
ii. Skilled sell man 1No. @ Rs.3,000/- : Rs. 3,000.00
3. Shad & building (PM) (Rented) : Rs. 3000.00

a) Transportation : Rs. 2000.00

b) Insurance : Rs. 400.00
c) Advertisement : Rs. 3000.00
d) Power : Rs. 1000.00

Total- Rs. 12400.00

Thus, total working capital Rs.4,00,000.00

 TOTAL EXPENDITURE OF THE PROJECT
a) NON-RECURRUNG EXPENDITURE : Rs.1,00,000.00
b) RECURRING EXPENDITURE : Rs. 4,00,000.00

MEANCE OF FINANCE
a) Own Contribution 5% : Rs. 25,000.00
b) Bank Loan under PMEGP @ 95% : Rs.4,75,000.00

………………………………

Total – Rs.5,00,000.00

COST OF PRODUCTION (PER ANNUMN)

a) Raw materials : Rs. 100900.00

b) Man power for 12 month : Rs. 36,000.00
c) Other expenses for 12 month : Rs. 3,200.00
d) Depreciation on fixed assets @ 20% : Rs. 1,000.00
e) Interest on loan @ 12% : Rs. 36,000.00
….………………………….
Total- Rs.9,75,300/-

SALE REALIZATION (PER ANNUMN)

Turnover per year Total: 12,00,000.00
PROFITABILITY ACCOUNT (P.A):

SALE REVENUE COST OF PRODUCTION OPERATING PROFIT

RS.12,00,000.00 RS.9,75,300 RS.2,24,700.00
*Operating profit :
Rs.2,24,700.00
*IT payable : Rs.00.00
*Net Profit :
Rs.2,24,700.00

% of profit on sale : profit X 100

………………………………
Sale
224700 X 100
…..……………………….
1200000

= 25%
BREAKING EVEN POINT ANALYSIS
(Compound on Fixed Cost)
a. 12% of labour cost : Rs.36,000.00
b. 10% of other expenses : Rs. 3,200.00
c. Total depreciation : Rs. 1,000.00
d. Interest : Rs.36000.00

……………………………
Total – Rs. 76,200.00

Thus, B.E.P = Fixed Cost x 100

------------------------------
Fixed Cost + Profit

76200 x100
= -------------------------------
76200+224700

= 20% (on operation)

INTEREST CALCULATION & REPAYMENT SCHEDULE

*Rate of Interest : @ 12% P.A

*Repayment Period : 5 Years
*Moratorium : Nil
Amortization Schedule Rs.4,75,000.00
0.00

Year Repayment interest Principal Balance

1st Year 134,004.76 60,241.89 73,762.87 401,237.13

Note:
Particulars
2nd Year 134,004.76 50,886.91 83,117.85 318,119.28
Capacity
3rd Year 134,004.76 40,345.49 93,659.27 224,460.01
Utilization
4th Year 134,004.76 28,467.15 105,537.61 118,922.40
5th Year 134,004.74 15,082.34 118,922.40 0.00 (Rs in '000)
1.
All figures mentioned above are only indicative.
2. If the investment on Building is replaced by Rental then
a. Total Cost of Project will be reduced.
b. Profitability will be increased.
c. Interest on C.E.will be reduced

Date Submitted by