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s.a.coconuts
Executive Summary
Business Details
Term Loan ₹0
Working Capital Loan ₹ 276,000
Total Loan Amount Needed ₹ 276,000
With the country opening up from COVID restrictions there has been a significant
improvement in industrial activities. India's economy grew at a record 20.1% year-on-
year in April-June quarter and such high growth rate is also expected to continue for
next few quarters.
India accounts to the second highest population in the world. The Trading business in
India is expected to continue to maintain its momentum, driven by economic and
social developments and population growth. s.a.coconuts have thoroughly evaluated
the prospects of setting up Wholesale trading business and the prospects look very
promising. The firm has studied the potential market opportunity and even on a
conservative basis they expect to reach profitability in a smooth and sustainable way.
Based on market study, the firm expects to achieve the sales and cash flows as
detailed in the Projected Financials of this report.
INCOME
Revenue Income 0.0 0.4 0.4 0.4 0.5
EXPENSES
Purchases (Stock, Raw
Material, etc) 260.0 1,330.5 1,344.5 1,388.0 1,422.9
Changes in Inventory (164.50) (60.50) (11.49) (14.73) (7.54)
Building Rent 4.0 48.0 52.9 54.5 56.1
Salary & Wages 28.0 336.0 370.4 381.6 393.0
Electricity, Fuel & Water 1.0 12.0 13.2 13.6 14.0
Transportation 30.0 360.0 396.9 408.8 421.1
Depreciation &
Ammortisation - - - - -
Tax Expense - - - - -
A. Own Funds
Initial Capital Invested 50.0 50.0 50.0 50.0 50.0
Additional Capital added - 1,967.6 4,157.7 6,427.0 8,745.8
Total Owner's Capital 50.0 2,017.6 4,207.7 6,477.0 8,795.8
Surplus (+) or deficit (-) in
P&L A/c -160.8 -2,214.7 -4,409.1 -6,668.8 -8,996.2
Subsidy Received - - - - -
C. Current Liabilities
Working Capital Loan 276.0 276.0 276.0 276.0 276.0
Interest Payable 2.4 2.4 2.4 2.4 2.4
Provision for Taxation - - - - -
Trade Payables 293.0 143.9 159.6 164.7 180.9
Remaining
Current
Year Projection Years ---> Rs in Thousand
Particulars FY 21-22 FY 22-23 FY 23-24 FY 24-25 FY 25-26
APPLICATION OF FUNDS
B. Current Assets
Cash & Bank Balance 296.0 0.0 0.0 0.0 0.0
Trade Receivables 0.1 0.1 0.1 0.1 0.1
Stock in Hand 150.0 210.0 220.5 233.9 240.9
Other Current Assets 14.5 15.0 16.0 17.3 17.8
Profitability Ratios
Gross Profit Margin -468233% -469786% -467769% -458922% -450360%
EBIDTA Margin -528233% -525861% -525547% -515600% -505958%
Net Profit Margin -536092% -533205% -532411% -522137% -512184%
PAT + Depreciation +
Interest -158.47 -2,025.61 -2,166.12 -2,231.37 -2,299.13
Current Year - - - -
1 - - - -
2 - - - -
3 - - - -
4 - - - -
5 - - - -
6 - - - -
7 - - - -
- - -
Depreciation Schedule
Current
Year Year 1 Year 2 Year 3 Year 4
Exepenses Capacity
(Variable & Semi Variable) 100% 100% 100% 100% 100%
Estimated Sales
Particulars Current Year
Capacity Utilisation 100% In Projected Years, Sales are considered at the operational capacity tabulated
above. Over the years the current selling price is inceased marginally as it is
assumed that after our product is established in the market, we will be able to
command premium in the market
Average Sales per Day ₹1
Estimated Expenses
Based on the working experience and market study, the Promoters have assumed that at 100% operational capacity, following
expenses would have to be incurred
Your Working Capital Loan Limit should not be higher than permissible limit (MPBF), If yes,
then kindly reduce the loan limit to met the requirement. Refer Key Ratios & Feasibility
Sheet to check your MPBF limit
Your Average DSCR Ratio should not be very low (<1.5) nor very high (>5). Check whether
your average DSCR falls in this range.
If its low, then increase your Sales projections or reduce estimated fixed expenses.
If its high, try reducing your loan repayment years as you can repay your loan faster
Try to maintain your GP Ratio or EBITDA margin within acceptable limits of your industry
average
Finally, every Bank has its own criteria to approve loan. You can always change and
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