PRADHAN MANTRI FORMALISATION OF MICRO FOOD

PROCESSING ENTERPRISE SCHEME

Application View
Application Id : 1917022805871

Name : SHIV KUMAR

Mother Name : SEEMA

Father/Spouse Name : KANHAIYA LAL

Gender : MALE

Date of Birth : 20-Aug-1985

Residential Address CHIKANITOLA LALDIGGI MAHUARIYA MIRZAPUR UTTAR PRADESH 231001

City: MIRZAPUR

State : UTTAR PRADESH

District: MIRZAPUR

Block/Taluka : SADAR

PINCODE : 231001

Email Address : GUPTAJEE219@GMAIL.COM

Phone Number : 9336013953

Academic Qualification : 8TH PASS

Social Category : OBC

PAN Number : AKPPJ5765L

DETAILS ABOUT THE PROPOSED BUSINESS UNIT

Name of the Proposed Enterprise SHIV KUMAR

Address of the Proposed Business CHIKANITOLA LALDIGGI MAHUARIYA MIRZAPUR UTTAR PRADESH 231001
Unit

State : UTTAR PRADESH District: MIRZAPUR City: MIRZAPUR

Block/Taluka : SADAR PinCode : 231001

Type of Property Parental Number of New Employment the Proposed More than 10 workers
Enterprises will Generate

Nature of Operations to be Carried out in the Proposed Manual

Enterprises :
Total Available Land for Proposed Project(in Sq ft) :

Land Value of the Proposed Unit (In Rs/Sq ft) : 0

Personal Contribution Towards the Project(in %) : 10.00

Loan for Working Capital : Yes

Own Contribution on working capital (in %) : 20.00

 PRODUCT DETAILS
Type of Proposed Product to be Manufactured : Food Products- Manufacturing

Type of Activities to be Involved while Manufacturing the Product SPICES GRAINDIG AND PACKING

If Food Product, is the Product Manufactured same as ODOP Identified by No

State for the District?
If No, Other ODOP Products : Spices (Chillies and Turmeric)

BANK DETAILS OF THE APPLICANT

Bank Name Branch Name IFSC Code Bank Account Number

ARYAVART GB-GOMTI NAGAR BR ARYAVART GB-GOMTI BKID0ARYAGB 12080100036087

NAGAR BR
MACHINERY DETAILS
Type of Machinery Quantity/Number of Units Rate/Unit (In Rs) Amount(In Rs.)

GRAINDER 2 243 486

PACKING MACHINE 1 340 340

Total: 826

OTHER FINANCIAL DETAILS

Preliminary & Pre-operative Cost (in Rs) : 1,740,000.00

Furniture & Fixtures (in Rs): 0.00

Contingency/Others/Miscellaneous (in Rs) 0.00

:
Working Capital Per Estimate : 1,740,000.00

SALES DETAILS
Type of Product Rate/Unit (In Number of Units of Amount(In Rs.)
Rs) Proposed Product Expected
SPICE POWER 240 20000 4,800,000

Total: 4,800,000

RAW MATERIALS
Name of the Raw Material Rate/Unit (In Reqd. Unit Amount(In
Rs) Rs.)
SPICE 130 10000 1,300,000

Total: 1,300,000

WAGES DETAILS
Type of Worker No. of Worker Wages Per Month Per Amount (In Rs)
Person (In Rs)

SKILLED 3 5,000 180,000

UNSKILLED 5 3,000 180,000

Total: 360,000

WORKING CAPITAL REQUIREMENTS FOR THE ENTERPRISE

Stock In Process (In Number of Days) 20

Finished Goods (In Number of Days) : 30

Receivable By (In Number of Days) : 30

MISCELLENEOUS EXPENDITURE

Repair and Maintenance (In %) : 1.00 Power and Fuel (In %) : 1.00

Other Overhead Expenses (In %): 1.00 Telephone Expenses (In %) : 1.00

Stationery & Postage (In %) : 1.00 Advertisement & Publicity (In %): 1.00

Building Rent per Month(In Rs.) : 0.00 Other Miscellaneous Expenditure (In %) 0.00

DEPRECIATION DETAILS

On Building (In %) : 10.00 On Machinery (In %) : 15.00

OTHER DETAILS

Loan Repayment Period (in Years) : 5.00 Project Implementation Period (In 4.00
Months):
Rate of Interest (In %): 11.00 Employment : 8.00

PROJECTED FINANCIAL

COST OF PROJECT
Land Land Value Ownership

LAND 0 OWN

Machinery Qty. Rate. Amt.(In Rs)

GRAINDER 2.00 243.00 486.00

PACKING MACHINE 1.00 340.00 340.00

Total 826.00

Preliminary & Pre- Furniture & Contingency/Oth Total Capital Working Capital
operative Cost Fixtures ers/Miscellaneou Expenditure

1,740,000.00 0.00 0.00 1,740,826.00 509,866.67

"Means of Financing(Term Loan)"

Own Contribution 10.00 % Rs 174,082.60

Bank Finance 90.00 %

Term Loan Rs 1,566,743.40

Govt. Subsidy 35.00 % Rs 609,289.10

Own Contribution 10.00 % Rs 174,082.60

Bank Finance 90.00 %

Term Loan Rs 1,566,743.40

Govt. Subsidy 35.00 % Rs 609,289.10

Means of Financing(Working Capital)

Own Contribution 20.00 % Rs 101,973.33

Bank Finance 80.00 %

Working Capital Rs 407,893.34

Term Loan
Year Opening Installment Closing Balance Interest
Balance
1 1566743.40 104449.56 1462293.84 172341.77

2 1462293.84 313348.68 1148945.16 160852.32

3 1148945.16 313348.68 835596.48 126383.97

4 835596.48 313348.68 522247.80 91915.61

5 522247.80 313348.68 208899.12 57447.26

6 208899.12 313348.68 0 22978.90

Working Capital
Year Opening Installment Closing Balance Interest
Balance
1 407,893.34 27,192.89 380,700.45 44,868.27

2 380,700.45 81,578.67 299,121.78 41,877.05

3 299,121.78 81,578.67 217,543.11 32,903.40

4 217,543.11 81,578.67 135,964.44 23,929.74

5 135,964.44 81,578.67 54,385.77 14,956.09

6 54,385.77 81,578.67 0.00 5,982.43

 Statement Showing the Depreciation on Fixed Assets
WORK SHED
Particulars 1st Year 2nd Year 3rd Year 4th Year 5th Year

Opening 0.00 0.00 0.00 0.00 0.00

Balance
Depreciation 0.00 0.00 0.00 0.00 0.00

Closing 0.00 0.00 0.00 0.00 0.00

Balance
MACHINERY
Particulars 1st Year 2nd Year 3rd Year 4th Year 5th Year

Opening 826.00 702.10 596.79 507.27 431.18

Balance
Depreciation 123.90 105.31 89.52 76.09 64.68

Closing 702.10 596.79 507.27 431.18 366.50

Balance
TOTAL DEPRECIATION
Particulars 1st Year 2nd Year 3rd Year 4th Year 5th Year

WorkShed 0.00 0.00 0.00 0.00 0.00

Machinery 123.90 105.31 89.52 76.09 64.68

Total 123.90 105.31 89.52 76.09 64.68

Schedule of Sales Realization

DETAILS OF PROJECTED SALES
Particulars of Product Rate/Pair/Unit No. of Pair/Unit Amount in Rs

SPICE POWER 240 20,000.00 4,800,000.00

CAPACITY UTILIZATION OF SALES

Particulars 1st Year 2nd Year 3rd Year 4th Year 5th Year

CAPACITY 70.00 % 80.00 % 90.00 % 90.00 % 90.00 %

UTILIZATION
SALES / RECEIPTS 3360000.00 3840000.00 4320000.00 4320000.00 4320000.00

Raw Materials
Particulars Unit Rate/unit Reqd.Unit Amount in Rs.

SPICE 0 130 10,000 1,300,000.00

Total 1,300,000.00

WAGES
Particulars No. of Worker Wages Per Month Amount (In Rs.)

3 5,000 180,000.00

5 3,000 180,000.00

Total 8 360000.0

Repairs and Maintenance Rs 48,000.00

Power and Fuel Rs 48,000.00

Other Overhead Expenses Rs 48,000.00

 ADMINISTRATIVE EXPENSES

Telephone Expenses 48,000.00

Stationery & Postage 48,000.00

Advertisement & Publicity 48,000.00

Workshed Rent 0.00

Other Miscellaneous Expenses 0.00

Total 144,000.00

Capacity Utilization of Manufacturing & Administrative Expenses

Particulars 1st Year 2nd Year 3rd Year 4th Year 5th Year

Particulars 70.00 % 80.00 % 90.00 % 90.00 % 90.00 %

MANUFACTURING EXPENSES
Rawmaterials 910000.00 1040000.00 1170000.00 1170000.00 1170000.00

Wages 252000.00 288000.00 324000.00 324000.00 324000.00

Repairs & Maintenance 33600.00 38400.00 43200.00 43200.00 43200.00

Power & Fuel 33600.00 38400.00 43200.00 43200.00 43200.00

Other Overhead 33600.00 38400.00 43200.00 43200.00 43200.00

Expenses
ADMINISTRATIVE EXPENSES
Salary 0.00 0.00 0.00 0.00 0.00

Postage Telephone 33600.00 38400.00 43200.00 43200.00 43200.00

Stationery & Postage 33600.00 38400.00 43200.00 43200.00 43200.00

Advertisement & 33600.00 38400.00 43200.00 43200.00 43200.00

Publicity
Workshed Rent 0.00 0.00 0.00 0.00 0.00
Other Miscellaneous 0.00 0.00 0.00 0.00 0.00
Expenses
Total: 1363600.00 1558400.00 1753200.00 1753200.00 1753200.00

Assessment of Working Capital

Particulars Amount in Rs.

Sale 4800000.00

MANUFACTURING EXPENSES
Raw Material 1300000.00

Wages 360000.00

Repair & Maintenance 48000.00

Power & Fuel 48000.00

Other Overhead Expenses 48000.00

Production Cost 1804000.00

Administrative Cost 144000.00
Manufacturing Cost 1948000.00
 Working Capital Estimate
Element of Working Capital No of Days Basis Amount in Rs.

0 0 Material Cost 0.00

Stock in process 20 Production Cost 120266.67

Finished goods 30 Manufacturing Cost 194800.00

Receivable by 30 Manufacturing Cost 194800.00

Total Working Capital Requirement Per Cycle 509866.67

Profit & Loss Account

Particulars 0 Year 1 Year 2 Year 3 Year 4 Year

Sales / Receipts 3360000.00 3840000.00 4320000.00 4320000.00

Total 3360000.00 3840000.00 4320000.00 4320000.00

MANUFACTURING EXPENSES
Rawmaterials 910000.00 1040000.00 1170000.00 1170000.00

Wages 252000.00 288000.00 324000.00 324000.00

Repairs & 33600.00 38400.00 43200.00 43200.00

Maintenance
Power & Fuel 33600.00 38400.00 43200.00 43200.00

Other Overhead 33600.00 38400.00 43200.00 43200.00

Expenses
Depreciation 123.90 105.31 89.52 76.09

Production Cost 1262923.90 1443305.31 1623689.52 1623676.09

ADMINISTRATIVE EXPENSES
Salary 0.00 0.00 0.00 0.00

Postage Telephone 33600.00 38400.00 43200.00 43200.00

Stationery & Postage 33600.00 38400.00 43200.00 43200.00

Advertisement & 33600.00 38400.00 43200.00 43200.00

Publicity
Workshed Rent 0.00 0.00 0.00 0.00

Other Miscellaneous 0.00 0.00 0.00 0.00

Expenses
Administrative 100800.00 115200.00 129600.00 129600.00
Cost
Interest on Bank credit

Term Loan 172341.77 160852.32 126383.97 91915.61

Working Capital 44868.27 41877.05 32903.40 23929.74

Cost of Sale 1580933.94 1761234.68 1912576.89 1869121.44

Net Profit Before Tax 1779066.06 2078765.32 2407423.11 2450878.56

Less Tax 0 0.00 0 0

Net Profit 1779066.06 2078765.32 2407423.11 2450878.56

 Calculation of Debt Service Credit Ratio
Particulars 0 Year 1 Year 2 Year 3 Year 4 Year

Net Profit 1779066.06 2078765.32 2407423.11 2450878.56

Add :

Depreciation 123.90 105.31 89.52 76.09

TOTAL - A 1779189.96 2078870.63 2407512.63 2450954.65

Payments :
On Term Loan :
Interest 172341.77 160852.32 126383.97 91915.61

Installment 104449.56 313348.68 313348.68 313348.68

On Working Capital

Interest 44868.27 41877.05 32903.40 23929.74

TOTAL - B 321659.60 516078.05 472636.05 429194.03

Average D.S.C.R 5.53 4.03 5.09 5.71

Balance Sheet
Particulars 0 Year 1 Year 2 Year 3 Year 4 Year

LIABILITIES
Promoters Capital 276055.93 276055.93 276055.93 276055.93

Profit 1779066.06 2078765.32 2407423.11 2450878.56

Term Loan 1566743.40 1462293.84 1148945.16 835596.48

Working Capital 407893.34 380700.45 299121.78 217543.11

Current Liabilities 0 0 0 0

Sundry Creditors 0 0 0 0

Total 4029758.73 4197815.54 4131545.98 3780074.08

ASSETS
Gross Fixed Assets 826.00 702.10 596.79 507.27

Less : Depreciation 123.90 105.31 89.52 76.09

Net Fixed Assets 702.10 596.79 507.27 431.18

Preliminary & Pre- 1740000 1305000 978750 734062.5

Op. Expenses
Current Assets 407893.34 380700.45 299121.78 217543.11

Cash in Bank/Hand 3621163.29 3816518.30 3831916.93 3562099.79

Total 4029758.73 4197815.54 4131545.98 3780074.08

Cash Flow Statement

Particulars 0 Year 1 Year 2 Year 3 Year 4 Year
Net Profit 1779066.06 2078765.32 2407423.11 2450878.56

Add : Depreciation 123.90 105.31 89.52 76.09

Term Loan 1566743.40 1462293.84 1148945.16 835596.48

Working Capital Loan 407893.34 380700.45 299121.78 217543.11

Promoters Capital 225069.27 0.00 0.00 0.00
Total 3978895.97 3921864.92 3855579.57 3504094.24

Total Fixed Capital 1740826 1740826 1740826 1740826

Repayment of Term 104449.56 313348.68 313348.68 313348.68

Loan
Repayment of WC 27192.89 81578.67 81578.67 81578.67
Loan
Current Assets 407893.34 380700.45 299121.78 217543.11

Total 539535.79 775627.80 694049.13 612470.46

Opening Balance 0 3439360.18 6585597.30 9747127.74

Surplus 3439360.18 3146237.12 3161530.44 2891623.78

Closing Balance 3439360.18 6585597.30 9747127.74 12638751.52

Break Even Point and Ratio Analysis

Particulars 0 Year 1 Year 2 Year 3 Year 4 Year
Fixed Cost 273265.67 276157.63 256073.49 221591.70

Variable Cost 1307792.17 1485182.36 1656592.92 1647605.83

Total Cost 1581057.84 1761339.99 1912666.41 1869197.53

Sales 3360000.00 3840000.00 4320000.00 4320000.00

Contribution (Sales- 2052207.83 2354817.64 2663407.08 2672394.17

VC)
B.E.P in % 13.32 11.73 9.61 8.29

Break Even Sales in 447407.24 450330.12 415346.75 358209.19

Rs.
Break Even Units 1864.20 1876.38 1730.61 1492.54

Current Ratio 1.17 0.64 0.54 0.43

Net Profit Ratio 52.95 % 54.13 % 55.73 % 56.73 %

I/We hereby declare that

All information furnished by me/ us above in this Application/ Business plan & Project
report/Appendix/Annexure/Statements and other papers/ documents enclosed are true and correct to the best of
my/ our knowledge and belief;
I/we have no borrowing arrangements for the applicant enterprise/unit and the associate concerns with any other
bank/FI/ NBFC/ Institution, etc except as indicated in the application;
There are no arrears of statutory dues and no government enquiries/ proceedings/ prosecution/ legal action are
pending/ initiated against the enterprise/ unit/ associate concerns/ promoters/ directors/ partners/ proprietor except
as indicated in the application;