Keystone Financial Consultancy (KFC)

AR Complex near new bus stand Budgam-

Email: kfcfinances@gmail.com

Detailed techno-economic cum pre-

investment “Detailed Project Report”
under the scheme of PMEGP administered
by MoMSMEs

On

CUTTING AND TAILORING

FOR

Unit: SAHIL BASHIR

LOCATION OF UNIT: NAGAM BUDGAM

PERMANENT ADDRESS: NAGAM BUDGAM

Keystone Financial Consultancy

AR Complex near new bus stand Budgam
Email: kfcfinances@gmail.com
Ph. No. 6006654699,8491917411
UAM: JK-04-0019465
1
Page

For: SAHIL BASHIR

 Keystone Financial Consultancy (KFC)
AR Complex near new bus stand Budgam-
Email: kfcfinances@gmail.com

NAME OF THE BENEFICIARY SAHIL BASHIR

CONSTITUTION (LEGAL STATUS) INDIVIDUAL

COST OF PROJECT Rs. 10,00,000

NAME OF THE PROJECT /
BUSINESS ACTIVITY PROPOSED
:
MEANS OF FINANCE
Own Capital Rs. 50,000.00
term loan (capital exp.) Rs. 5,70,000.00
working capital Rs. 3,80,000.00
total loan from bank Rs. 9,50,000.00
kvic margin money Rs. 3,50,000.00

PAY BACK PERIOD 5 Years

PROJECT IMPLEMENTATION 0 Months
PERIOD

EMPLOYMENT 10

ESTIMATED ANNUAL SALES Rs. 10237500.00

TURNOVER

2
Page

For: SAHIL BASHIR

 Keystone Financial Consultancy (KFC)
AR Complex near new bus stand Budgam-
Email: kfcfinances@gmail.com

INTRODUCTION:

A fabric is a material made of artificial or natural fibers woven together. The

characteristics of fabrics depend on the fibers used and what treatment is applied to them.
Treatments may include dyes, starching and formaldehyde finishes.
The natural fibers that were used throughout the history of mankind were silk, cotton,
wool and flax. Then artificial fibers were created that include rayon, nylon, acrylic and
polyester. Fabrics are used in the creation of many items such as backpacks, clothing,
tents, nets, flags, balloons, parachutes, sails, carpets and towels. As of 2008, the United
States was the third exporter of textiles in the world. As of 2014, the last artificial fiber to
be invented and used was lyocell in 1993, made from wood pulp.
Manufactured assembly of interlacing fibers, filaments, and/or yarns having substantial
surface (planar) area in relation to its thickness, and adequate mechanical strength to give
it a cohesive structure. Most fabrics are knitted or woven, but some are produced by non-
woven processes such as braiding, felting, and twisting. Applied loosely, 'fabric' also
includes laces, meshes, and nets.
A type of material composed of natural or synthetic fibers. Types of textiles include
animal-based material such as wool or silk, plant-based material such as linen and cotton,
and synthetic material such as polyester and rayon. Textiles are often associated with the
production of clothing.A textile is a flexible material consisting of a network of natural
or artificial fibers (yarn or thread). Yarn is produced by spinning raw fibres of wool, flax,
cotton, hemp, or other materials to produce long strands.Textiles are formed by weaving,
knitting, crocheting, knotting or tatting, felting, or braiding.
The related words ""fabric"" and ""cloth"" and ""material"" are often used in textile
assembly trades (such as tailoring and dressmaking) as synonyms for textile. However,
there are subtle differences in these terms in specialized usage. A textile is any material
made of interlacing fibres, including carpeting and geotextiles. A fabric is a material made
through weaving, knitting, spreading, crocheting, or bonding that may be used in
production of further goods (garments, etc.). Cloth may be used synonymously with fabric
but is often a piece of fabric that has been processed.
Textiles have an assortment of uses, the most common of which are for clothing and for
containers such as bags and baskets. In the household they are used in carpeting,
upholstered furnishings, window shades, towels, coverings for tables, beds, and other flat
surfaces, and in art. In the workplace they are used in industrial and scientific processes
such as filtering. Miscellaneous uses include flags, backpacks, tents, nets, handkerchiefs,
cleaning rags, transportation devices such as balloons, kites, sails, and parachutes; textiles
are also used to provide strengthening in composite materials such as fibreglass and
industrial geotextiles. Textiles are used in many traditional crafts such as sewing, quilting
and embroidery.
Textiles for industrial purposes, and chosen for characteristics other than their appearance,
are commonly referred to as technical textiles. Technical textiles include textile structures
3

for automotive applications, medical textiles (e.g. implants), geotextiles (reinforcement

Page

of embankments), agrotextiles (textiles for crop protection), protective clothing (e.g.

For: SAHIL BASHIR

 Keystone Financial Consultancy (KFC)
AR Complex near new bus stand Budgam-
Email: kfcfinances@gmail.com

against heat and radiation for fire fighter clothing, against molten metals for welders, stab
protection, and bullet proof vests). In all these applications stringent performance
requirements must be met. Woven of threads coated with zinc oxide nanowires, laboratory
fabric has been shown capable of ""self-powering nanosystems"" using vibrations created
by everyday actions like wind or body movements.
Textiles are made from many materials, with four main sources: animal (wool, silk), plant
(cotton, flax, jute, bamboo), mineral (asbestos, glass fibre), and synthetic (nylon,
polyester, acrylic, rayon). The first three are natural. In the 20th century, they were
supplemented by artificial fibres made from petroleum.
Textiles are made in various strengths and degrees of durability, from the finest microfibre
made of strands thinner than one denier to the sturdiest canvas. Textile manufacturing
terminology has a wealth of descriptive terms, from light gauze-like gossamer to heavy
grosgrain cloth and beyond. Wool refers to the hair of the domestic sheep or goat, which
is distinguished from other types of animal hair in that the individual strands are coated
with scales and tightly crimped, and the wool as a whole is coated with a wax mixture
known as lanolin (sometimes called wool grease), which is waterproof and
dirtproof.[citation needed] Woollen refers to a bulkier yarn produced from carded, non-
parallel fibre, while worsted refers to a finer yarn spun from longer fibres which have
been combed to be parallel. Wool is commonly used for warm clothing. Cashmere, the
hair of the Indian cashmere goat, and mohair, the hair of the North African angora goat,
are types of wool known for their softness.
Other animal textiles which are made from hair or fur are alpaca wool, vicuña wool,
llama wool, and camel hair, generally used in the production of coats, jackets,
ponchos, blankets, and other warm coverings. Angora refers to the long, thick, soft
hair of the angora rabbit. Qiviut is the fine inner wool of the muskox. Wadmal is a
coarse cloth made of wool, produced in Scandinavia, mostly 1000~1500 CE.
Sea silk is an extremely fine, rare, and valuable fabric that is made from the silky
filaments or byssus secreted by a gland in the foot of pen shells.
Silk is an animal textile made from the fibres of the cocoon of the Chinese silkworm
which is spun into a smooth fabric prized for its softness. There are two main types of the
silk: 'mulberry silk' produced by the Bombyx Mori, and 'wild silk' such as Tussah silk
(wild silk). Silkworm larvae produce the first type if cultivated in habitats with fresh
mulberry leaves for consumption, while Tussah silk is produced by silkworms feeding
purely on oak leaves. Around four-fifths of the world's silk production consists of
cultivated silk."
4
Page

For: SAHIL BASHIR

 Keystone Financial Consultancy (KFC)
AR Complex near new bus stand Budgam-
Email: kfcfinances@gmail.com

PROCESS OF MANUFACTURE

Pre washing

Pre washing your fabric is a necessity before sewing anything. I simply immerse the fabric
in a little water. After some minutes rinse it out. Prewashing removes all the sizing which
is there in the fabric and the shrinking tendency of your fabric is also tested.I am also
scared about all the chemicals in the new fabric. A worst case scenario is the dyes in new
fabric running and bleeding after you have stitched two bright coloured fabrics together
without rinsing the dye out first.

Prewashing has too many advantages for you to do it compulsorily with every fabric you
use. You definitely would want to fit into your dress after the first wash, after all the hard
work.

Interfacing

Choose the appropriate interfacing for your fabric. There are some areas which
you have to interface necessarily when sewing clothes like the button stand, button
holes, zippers, collars, facings.

Body measurements

A most important aspect about sewing is taking the body measurements. Every one has a
unique body. The reason why we sew our own clothes is to get a good fit. So learn how
to take your body measurement perfectly. Whenever I am measuring myself for a close
fitting garment I make sure that I will be wearing the undergarments or similar ones I
mean to wear with the finished garment. That is just common sense.If you are not sure
which patterns will suit you you can checkout this post which elaborates on the styles that
suit according to body shapes

Pressing
Pressing is an important element in sewing . Infact I think I spend almost as much time
pressing (and cutting ) as much as sewing. Get some pressing tips for the correct way to
press fabric while sewing.

Cutting

You better learn the proper cutting techniques before even attempting to cut the first time.
Infact it is nothing as lofty as it sounds – just some sound common sense advice on How
to cut fabric perfectly.At times you want a garment which drapes like a dream – it is time
for you to cut the fabric on the bias.
5
Page

Sewing techniques

For: SAHIL BASHIR

 Keystone Financial Consultancy (KFC)
AR Complex near new bus stand Budgam-
Email: kfcfinances@gmail.com

It is necessary that the inside of your garment you make is as good looking on the inside
as well as the outside. You need to finish the edges of the fabric professionally. Zig zag
stitch is the first option for you if you are a beginner. Or else you can try the other options
for fabric edges detailed here.
You need to know some hand stitches also to perfect your sewing.And also how to
machine hem your garments to perfection. Checkout the many ways you can use to thread
a sewing needle easily.
Practice sewing seams – start with a plain seam with a straight stitch; learn to anchor the
thread at the end of the stitching with a few back stitches. You can also try your hand at
sewing a buttonhole with your sewing machine.
You also need fastenings like zippers or buttons and other notions and Fabric trims if you
are using them. Buy them beforehand instead of thinking about them in the middle of the
project as mentioned in this article on time saving tricks to save time when sewing. Learn
the different types of fasteners you could sew on to your clothes and how to sew hooks
and zippers on to your clothes or even a cute little frog closure ; Different types of
Buttonholes you could sew and the way to sew a hand made buttonhole . Checkout this
post on many ways to make fabric covered buttons . the 50+ different types of collars you
could sew on the clothes
Packing & Folding
Each pressed garment is then folded with tissue or cardboard. Folding varies product to
product and also buyer to buyer.

Dispatch
After completing all the process, the garment is now ready for dispatch.

MARKET ANALYSIS

"India’s textiles sector is one of the oldest industries in Indian economy dating back
several centuries. India's overall textile exports during FY 2017-18 stood at US$ 39.2
billion in FY18 and is expected to increase to US$ 82.00 billion by 2021 from US$ 31.65
billion in FY19*.
The Indian textiles industry is extremely varied, with the hand-spun and hand-woven
textiles sectors at one end of the spectrum, while the capital intensive sophisticated mills
sector at the other end of the spectrum. The decentralised power looms/ hosiery and
knitting sector form the largest component of the textiles sector. The close linkage of the
textile industry to agriculture (for raw materials such as cotton) and the ancient culture
and traditions of the country in terms of textiles make the Indian textiles sector unique in
comparison to the industries of other countries. The Indian textile industry has the
capacity to produce a wide variety of products suitable to different market segments, both
within India and across the world.
6
Page

For: SAHIL BASHIR

 Keystone Financial Consultancy (KFC)
AR Complex near new bus stand Budgam-
Email: kfcfinances@gmail.com

BACKGROUND OF THE PROJECT

M/S SAHIL BASHIR is a visionary idea of SAHIL BASHIR to be established

as the sole proprietor, while mobilizing the investment capital from himself
and the major source to be financed by the commercial banks under the
PMEGP scheme by the ministry of MSME, Government of India. The
promoter is a young and energetic person having a desirable qualification
and experience. The inner urge to grow supported by the sound support of
the family is a preliminary positive sign for a better prospective future of the
business plan. Besides, The promoter belongs to a cultured family with
sound background. For reasons of better financial position of his/her family
he/she has the capability to withstand the difficult periods in the course of the
of this startup venture.
The promoters will be the overall incharge of the unit. The promoter will take
the services of well trained persons in carrying out the day to day activities
of the business. The promoter has been brought up in Jammu & Kashmir
from his/her early childhood and is fully aware of nature, culture and social
economic background of Jammu & Kashmir. Keeping this into consideration
the promoter will not face any difficulty in successful running of the venture.
The promoter has been very keen in starting their independent business from
last many years and has therefore studied and surveyed many options and
avenues with the objective in their minds. Finding that the demands for
readymade garments is increasing at a faster rate and there exists a gap
in the demand and supply curve therefore the promoter has found
tremendous potential on concentrating on the proposed activity and has
conceived the present project as envisaged herein after.
The unit will work in a single shift of 8 hours a day for a period of 300 working
days in a year. It has been assumed in the project report that the unit will
operate at 70%, 80% and 90% for the successive three years in respect to
the project installed capacity.
7
Page

For: SAHIL BASHIR

 Keystone Financial Consultancy (KFC)
AR Complex near new bus stand Budgam-
Email: kfcfinances@gmail.com

COST OF PROJECT
A. FIXED CAPITAL INVESTMENT
A. LAND : 0 Own

B. WORKSHED Area Sq.ft Rate in Amt. In Rs.

Rs.
RENOVATION OF ROOM 300 570 171000.00
0 0 0.00 0.00
TOTAL 171000.00
C. MACHINERY Qty. Rate Amount in Rs.
STANDING SEWING MACHINE 3 30000.0 90000.00
0
INTERLOCK MACHINE 1 50000.0 50000.00
0
INVERTOR AND BATTERY 1 40000.0 40000.00
0
TRASFORMER 5 KV 1 44000.0 44000.00
0
GENERATOR 1 150000.0 150000.00
0
HOT PRESS 1 5000.00 5000.00
0 0 0.00 0.00
TOTAL 550000.00
D. PRELIMINARY & PRE-OPERATIVE COST : Rs.

E. FURNITURE & FIXTURES Rs. 50000.00

:

F. Rs.
CONTINGENCY/OTHERS/MISCELLANE
OUS :

TOTAL CAPITAL EXPENDITURE Rs. 600000.00

:

WORKING CAPITAL : Rs. 400000.00

TOTAL COST PROJECT : Rs. 1000000.00

8
Page

For: SAHIL BASHIR

 Keystone Financial Consultancy (KFC)
AR Complex near new bus stand Budgam-
Email: kfcfinances@gmail.com

MEANS OF FINANCING
:
OWN CONTRIBUTION 5% Rs. 50000.00

BANK FINANCE 95%

:
TERM LOAN Rs. 570000.00
WORKING CAPITAL Rs. 380000.00

TOTAL Rs. 950000.00

MARGIN MONEY (GOVT. 35% Rs. 350000.00

SUBSIDY) FROM KVIC

MARGIN MONEY SUBSIDY RECEIVED FROM KVIC WILL BE KEPT IN TERM DEPOSIT
AS PER NORMS OF
PMEGP IN THE NAME OF BENEFICIARY FOR THREE YEARS IN THE FINANCING
BRANCH.

STATEMENT SHOWING THE REPAYMENT OF TERM LOAN & WORKING CAPITAL :

TERM LOAN

YEAR Opening Balance Installment Closing Balance Interest

@
12.00%
1ST 570000 0 570000 68400
2ND 570000 114000 456000 68400
3RD 456000 114000 342000 54720
4TH 342000 114000 228000 41040
5TH 228000 114000 114000 27360
6TH 114000 114000 0 13680
7TH 0 0 0 0
8TH 0 0 0 0
9
Page

For: SAHIL BASHIR

 Keystone Financial Consultancy (KFC)
AR Complex near new bus stand Budgam-
Email: kfcfinances@gmail.com

YEAR OPENING INSTALLMEN CLOSING BALANCE INTEREST

BALANCE T @
12.00%
1ST 380000 0 380000 45600
2ND 380000 76000 304000 45600
3RD 304000 76000 228000 36480
4TH 228000 76000 152000 27360
5TH 152000 76000 76000 18240
6TH 76000 76000 0 9120
7TH 0 0 0 0
8TH 0 0 0 0
STATEMENT SHOWING THE DEPRECIATION ON FIXED ASSETS:
WORKSHED @ 0.00%
PARTICULARS 1st Year 2nd Year 3rd Year 4th Year 5th Year
OPENING 90000 90000 90000 90000 90000
BALANCE
DEPRECIATION 0 0 0 0 0
CLOSING 90000 90000 90000 90000 90000
BALANCE
MACHINERY @ 6.00%
OPENING 450000 423000 397620 373763 351337
BALANCE
DEPRECIATION 27000 25380 23857 22426 21080
CLOSING 423000 397620 373763 351337 330257
BALANCE
TOTAL DEPRECIATION
MACHINERY 27000 25380 23857 22426 21080
TOTAL 27000 25380 23857 22426 21080
Schedule of Sales Realization :
DETAILS OF SALES
PARTICULARS OF PRODUCT Rate/ No. of Amount in Rs.
Pair/Unit Pair/Unit
0
LADY SUITS COTTON FABRIC 650.00 2500 1625000.00
LADY SUITS SYNTHETIC FIBRIC 450.00 2500 1125000.00
CHILDREN SETS COTTON 350.00 6000 2100000.00
FABRIC
SHIRTS COTTON FABRIC 400.00 6000 2400000.00
PANTS MEN (JEANS MATERIAL) 375.00 5000 1875000.00
10

FERRAN TERI WOOL

Page

TOTAL 11375000.00

For: SAHIL BASHIR

 Keystone Financial Consultancy (KFC)
AR Complex near new bus stand Budgam-
Email: kfcfinances@gmail.com

CAPACITY UTILIZATION OF
SALES
PARTICULARS 1st Year 2nd Year 3rd Year 4th Year 5th Year

CAPACITY 70% 80% 90% 90% 90%

UTILIZATION

SALES / 7962500 9100000 1023750 10237500 1023750

RECEIPTS 0 0

RAWMATERIALS :
PARTICULARS Unit Rate/unit Reqd.Unit Amount in Rs.
LADY SUITS METER 120.00 6000 720000.00
COTTON
FABRIC
LADY SUITS METER 80.00 7000 560000.00
SYNTHETIC
FIBRIC
CHILDREN SETS METER 130.00 7000 910000.00
COTTON
FABRIC
SHIRTS METER 120.00 8000 960000.00
COTTON
FABRIC
PANTS MEN METER 100.00 7000 700000.00
(JEANS
MATERIAL)
FERRAN TERI METER 200.00 6000 1200000.00
WOOL
TOTAL 5050000.00

11
Page

For: SAHIL BASHIR

 Keystone Financial Consultancy (KFC)
AR Complex near new bus stand Budgam-
Email: kfcfinances@gmail.com

WAGES
PARTICULARS No. of Wages Amount in Rs.
Worker Per Month (Per Annum)
LABOR 1 5000.00 60000.00
0 0 0.00 0.00
TOTAL 1 60000.00

REPAIRS AND MAINTENANCE Rs. 0.00

:

POWER AND FUEL Rs. 6940.00

:

OTHER OVERHEAD EXPENSES Rs. 0.00

:

ADMINISTRATIVE EXPENSES
:
SALARY
SUPERVISOR 1 9500.00 114000.00
SKILLED 8 5700.00 547200.00
TAILORS
0 0 0.00 0.00
0 0.00 0.00
0 0.00 0.00
TOTAL 9 661200.00

TELEPHONE EXPENSES 0.00

STATIONERY & POSTAGE 2000.00

WORKSHED RENT 0.00

OTHER MISCELLANEOUS 12000.00

EXPENSES
TOTAL 675200.00
12
Page

For: SAHIL BASHIR

 Keystone Financial Consultancy (KFC)
AR Complex near new bus stand Budgam-
Email: kfcfinances@gmail.com

CAPACITY UTILIZATION OF MANUFACTURING & ADMINISTRATIVE

EXPENSES :
PARTICULARS 1st Year 2nd Year 3rd Year 4th Year 5th Year
CAPACITY 70% 80% 90% 90% 90%
UTILIZATION
MANUFACTURING
EXPENSES
RAW 3535000 4040000 4545000 4545000 4545000
MATERIALS
WAGES 42000 48000 54000 54000 54000
REPAIRS & 0 0 0 0 0
MAINTENANCE
POWER & FUEL 4858 5552 6246 6246 6246
ADMINISTRATIVE EXPENSES
SALARY 661200 661200 661200 661200 661200
POSTAGE 0 0 0 0 0
TELEPHONE
EXPENSES
STATIONERY & 1400 1600 1800 1800 1800
POSTAGE
OTHER 8400 9600 10800 10800 10800
MISCELLANEOUS
EXPENSES
TOTAL: 4252858 4765952 5279046 5279046 5279046
ASSESSMENT OF WORKING
CAPITAL :
PARTICULARS Amount in Rs.
SALE 11375000.00

MANUFACTURING EXPENSES
RAW MATERIAL 5050000.00
WAGES 60000.00
REPAIR & MAINTENANCE 0.00
POWER & FUEL 6940.00
OTHER OVERHEAD EXPENSES 0.00

PRODUCTION COST 5116940.00

ADMINISTRATIVE COST 675200.00
MANUFACTURING COST 5792140.00
13
Page

For: SAHIL BASHIR

 Keystone Financial Consultancy (KFC)
AR Complex near new bus stand Budgam-
Email: kfcfinances@gmail.com

WORKING CAPITAL ESTIMATE

:
ELEMENT OF No of Days Basis Amount in Rs.
WORKING
CAPITAL
0 0 Material Cost 0.00

STOCK IN 11 Production Cost 187621.00

PROCESS

FINISHED GOODS 6 Manufacturing Cost 115843.00

RECEIVABLE BY 5 Manufacturing Cost 96536.00

TOTAL WORKING CAPITAL Per Cycle 400000.00

REQUIREMENT
FINANCIAL ANALYSIS
PROJECTED PROFIT & LOSS
ACCOUNT :
PARTICULARS 0 Year 1st Year 2nd Year 3rd Year 4th Year
SALES / 7962500 9100000 10237500 1023750
RECEIPTS 0
7962500 9100000 10237500 1023750
0
MANUFACTURING EXPENSES
RAW 3535000 4040000 4545000 4545000
MATERIALS
WAGES 42000 48000 54000 54000
POWER & FUEL 4858 5552 6246 6246
OTHER 0 0 0 0
OVERHEAD
EXPENSES
DEPRECIATION 27000 25380 23857 22426
PRODUCTION 3608858 4118932 4629103 4627672
COST
ADMINISTRATIVE
EXPENSES
SALARY 661200 694260 728973 765422
POSTAGE 0 0 0 0
14

TELEPHONE
EXPENSES
Page

For: SAHIL BASHIR

 Keystone Financial Consultancy (KFC)
AR Complex near new bus stand Budgam-
Email: kfcfinances@gmail.com

STATIONERY & 1400 1600 1800 1800

POSTAGE
0 0 0 0
ADVERTISEMEN
T & PUBLICITY
WORKSHED 0 0 0 0
RENT
OTHER 8400 9600 10800 10800
MISCELLANEOUS
EXPENSES
ADMINISTRATIVE 671000 705460 741573 778022
COST
INTEREST ON
BANK CREDIT @
12%
TERM LOAN 68400 68400 54720 41040
WORKING 45600 45600 36480 27360
CAPITAL LOAN
COST OF SALE 4393858 4938392 5461876 5474094
NET PROFIT 3568642 4161608 4775624 4763406
BEFORE TAX
LESS TAX 0.00 0.00 0.00 0.00
NET PROFIT 3568642 4161608 4775624 4763406

CALCULATION OF DEBT SERVICE CREDIT RATIO (D.S.C.R) :

PARTICULARS 0 Year 1st Year 2nd Year 3rd Year 4th Year
NET PROFIT 3568642 4161608 4775624 4763406
ADD :
DEPRECIATION 27000 25380 23857 22426
TOTAL - A 3595642 4186988 4799481 4785832
PAYMENTS :
ON TERM LOAN :
INTEREST 68400 68400 54720 41040
INSTALLMENT 0 114000 114000 114000
ON WORKING
CAPITAL
INTEREST 45600 45600 36480 27360
TOTAL - B 114000 228000 205200 182400
D.S.C.R = A/B 31.54 18.36 23.39 26.24
15

AVERAGE D.S.C.R
Page

PARTICULARS 0 Year 1st Year 2nd Year 3rd Year 4th Year

For: SAHIL BASHIR

 Keystone Financial Consultancy (KFC)
AR Complex near new bus stand Budgam-
Email: kfcfinances@gmail.com

LIABILITIES :
BENEFICIARY'S 50000 50000 50000 50000
CAPITAL
PROFIT 3568642 4161608 4775624 4763406
TERM LOAN 570000 570000 456000 342000
WORKING 380000 380000 304000 228000
CAPITAL LOAN
SUNDRY 0 0 0 0
CREDITORS
4568642 5161608 5585624 5383406
ASSETS :
GROSS FIXED 590000 563000 537620 513763
ASSETS :
LESS : 27000 25380 23857 22426
DEPRECIATION
NET FIXED 563000 537620 513763 491337
ASSETS
PRELIMINARY & 5000 3750 2813 2109
PRE-OP.
EXPENSES
CURRENT 380000 380000 304000 228000
ASSETS
CASH IN 3625642 4243988 4767861 4664069
BANK/HAND
TOTAL 4568642 5161608 5585624 5383406

PARTICULARS 0 Year 1st Year 2nd Year 3rd Year 4th Year
NET PROFIT 3568642 4161608 4775624 4763406
ADD : 27000 25380 23857 22426
DEPRECIATION
TERM LOAN 570000 570000 456000 342000
WORKING 380000 380000 304000 228000
CAPITAL LOAN
BENEFICIARY'S 50000 0 0 0
CAPITAL
TOTAL 4595642 5136988 5559481 5355832

TOTAL FIXED 600000

CAPITAL
INVESTED
16
Page

For: SAHIL BASHIR

 Keystone Financial Consultancy (KFC)
AR Complex near new bus stand Budgam-
Email: kfcfinances@gmail.com

REPAYMENT OF 0 114000 114000 114000

TERM LOAN
REPAYMENT OF 0 76000 76000 76000
WC LOAN
CURRENT 380000 380000 304000 228000
ASSETS
TOTAL 380000 570000 494000 418000

OPENING 0 4215642 8782630 13848111

BALANCE
SURPLUS 4215642 4566988 5065481 4937832
CLOSING 4215642 8782630 1384811 1878594
BALANCE 1 3

BREAK EVEN POINT AND RATIO ANALYSIS :

PARTICULARS 0 Year 1st Year 2nd Year 3rd Year 4th Year
FIXED COST 766400 799240 820150 841488
VARIABLE COST 3654458 4164532 4665583 4655032
TOTAL COST 4420858 4963772 5485733 5496520

SALES 7962500 9100000 10237500 10237500

CONTRIBUTION 4308042 4935468 5571917 5582468

(SALES-VC)

B.E.P IN % 17.79% 16.19% 14.72% 15.07%

BREAK EVEN 1416528 1473636 1506894 1543176

SALES IN RS.

BREAK EVEN 2179 2267 2318 2374

UNITS

CURRENT RATIO 3.33 1.25 1.08 0.88

NET PROFIT 44.82% 45.73% 46.65% 46.53%

RATIO
17
Page

For: SAHIL BASHIR

 Keystone Financial Consultancy (KFC)
AR Complex near new bus stand Budgam-
Email: kfcfinances@gmail.com

DISCLAIMER:
We intend to help the prospective entrepreneurs during preparation of the detailed project report and furnish information
in regard to different legal requirements in the process of their application submission to KVIC/KVIB/DIC. The detailed
project report is prepared based on the preliminary information provided by the applicants. We don’t assure/guarantee
financial assistance/loan from the lending agency or the approval from the authority to which the application is submitted.
We prepare the detailed project report based on the information provided by the applicant.
For any queries, you can reach us at,
For any query related to this project,
Contact
Dr. Bilal Ahmad Bhat
Ph. No. 9541786520
KEYSTONE FINANCIAL CONSULTANCY
BRANCH DIVISION OF: KEYSTONE
FINTECH
3RD FLOOR, AL-REHMAN COMPLEX NEAR
BUS STAND
BUDGAM 191111
Email: kfcfinances@gmail.com
Landline: 01951359496
Mobile: 8491917411

18
Page

For: SAHIL BASHIR