PROJECT AT A GLANCE

ANAND KUMAR GOUR (PAN:ATKPG3885C)

1 Name Of Promoter : Anand Kumar Gour

2 Location : Village Hathnapur, Tehsil Seonimalwa

District Narmadapuram 461223

3 Constitution : Proprietorship

4 COST OF PROJECT :

Material & Working Capital 6,00,000.00

TOTAL 6,00,000.00

5 Means of Finance :

Equity
Proprietor contribution 1,10,000.00

Debt- Finance from Bank

Loan from Bank 4,90,000.00

TOTAL 6,00,000.00

6 Loan Repayment 7 Years

7 Financial Aspect

Debt Service Coverage Ratio 6.91

 ANAND KUMAR GOUR (PAN:ATKPG3885C)
Project Report
Income Statement
HEAD AND SUB HEADS Year Year Year Year Year Year Year
1 2 3 4 5 6 7

REVENUE
Gross Turnover 25,00,000.00 25,50,000.00 26,40,000.00 26,80,000.00 27,70,000.00 28,50,000.00 29,40,000.00

(A) 25,00,000.00 25,50,000.00 26,40,000.00 26,80,000.00 27,70,000.00 28,50,000.00 29,40,000.00

COST OF GOODS SOLD

Opening Stock/Inventory - 1,10,000.00 2,10,000.00 2,60,000.00 3,10,000.00 3,20,000.00 3,30,000.00
Purchases 18,80,000.00 19,00,000.00 19,30,000.00 19,40,000.00 19,50,000.00 19,80,000.00 20,30,000.00
Other Direct Expenses 60,000.00 66,000.00 70,000.00 78,000.00 84,000.00 90,000.00 96,000.00

Less: Closing Stock/Inventory 1,10,000.00 2,10,000.00 2,60,000.00 3,10,000.00 3,20,000.00 3,30,000.00 3,50,000.00
(B) 18,30,000.00 18,66,000.00 19,50,000.00 19,68,000.00 20,24,000.00 20,60,000.00 21,06,000.00

Gross Profit 6,70,000.00 6,84,000.00 6,90,000.00 7,12,000.00 7,46,000.00 7,90,000.00 8,34,000.00

INDIRECT EXPENSES
1 Bank Charges/ Processing Fees 9,800.00 600.00 660.00 726.00 799.00 879.00 967.00
2 Accounting Expenses 10,000.00 12,000.00 14,000.00 16,000.00 18,000.00 20,000.00 22,000.00
3 Maintenance 15,000.00 16,500.00 18,150.00 19,965.00 21,962.00 24,158.00 26,574.00
4 Telephone & Mobile Expenses 6,000.00 6,600.00 7,260.00 7,986.00 8,785.00 9,664.00 10,630.00
5 Business Promotion Expenses 20,000.00 22,000.00 24,200.00 26,620.00 29,282.00 32,210.00 35,431.00
6 Financial Charges (Interest) 43,148.63 38,109.79 32,584.58 26,526.06 19,882.74 12,600.79 4,615.96

1,03,948.63 95,809.79 96,854.58 97,823.06 98,710.74 99,511.79 1,00,217.96

Profit 5,66,051.37 5,88,190.21 5,93,145.42 6,14,176.94 6,47,289.26 6,90,488.21 7,33,782.04

 ANAND KUMAR GOUR (PAN:ATKPG3885C)
Project Report
Ratio Ananlysis
HEAD AND SUB HEADS Year Year Year Year Year Year Year
1 2 3 4 5 6 7
Project Evaluation Ratios
1 GP Ratio (In %) 26.80% 26.82% 26.14% 26.57% 26.93% 27.72% 28.37%
2 Profit to Turnover Ratio (In %) 22.64% 23.07% 22.47% 22.92% 23.37% 24.23% 24.96%
3 Current Ratio (In Times) 14.26 15.19 15.54 14.77 14.17 13.46 12.32
4 Debt Equity Ratio 1.94 0.95 0.59 0.36 0.21 0.09 0.00

Calculation of DSCR Ratio

1 Net Profit 5,66,051.37 5,88,190.21 5,93,145.42 6,14,176.94 6,47,289.26 6,90,488.21 7,33,782.04
2 Interest paid on Term Loan 43,148.63 38,109.79 32,584.58 26,526.06 19,882.74 12,600.79 4,615.96
Total of A 6,09,200.00 6,26,300.00 6,25,730.00 6,40,703.00 6,67,172.00 7,03,089.00 7,38,398.00

1 Principle Repayment of Term Loan 52,202.89 57,241.73 62,766.94 68,825.46 75,441.72 82,723.67 90,797.59
2 Interest paid on Term Loan 43,148.63 38,109.79 32,584.58 26,526.06 19,882.74 12,600.79 4,615.96
Total of B 95,351.52 95,351.52 95,351.52 95,351.52 95,324.46 95,324.46 95,413.55

DSCR Ratio (A/B) 6.39 6.57 6.56 6.72 7.00 7.38 7.74

Average DSCR Ratio 6.91

 ANAND KUMAR GOUR (PAN:ATKPG3885C)
Project Report
Balance Sheet
HEAD AND SUB HEADS Year Year Year Year Year Year Year
1 2 3 4 5 6 7

LIABILITIES
1 Capital Account 2,26,051.37 4,02,074.42 5,42,321.34 6,95,625.08 8,28,510.72 9,75,026.92 11,33,682.63
2 Secured Loans 4,37,797.11 3,80,555.38 3,17,788.45 2,48,962.98 1,73,521.26 90,797.59 0.00
3 Current Liabilities & Provisions 47,000.00 52,000.00 56,000.00 65,000.00 72,000.00 81,000.00 95,000.00

TOTAL 7,10,848.48 8,34,629.80 9,16,109.79 10,09,588.06 10,74,031.98 11,46,824.51 12,28,682.63

ASSETS
1 Current Assets -Other than Stock 5,60,000.00 5,80,000.00 6,10,000.00 6,50,000.00 7,00,000.00 7,60,000.00 8,20,000.00
2 Closing Stock 1,10,000.00 2,10,000.00 2,60,000.00 3,10,000.00 3,20,000.00 3,30,000.00 3,50,000.00
3 Other Assets 40,848.48 44,629.80 46,109.79 49,588.06 54,031.98 56,824.51 58,682.63

TOTAL 7,10,848.48 8,34,629.80 9,16,109.79 10,09,588.06 10,74,031.98 11,46,824.51 12,28,682.63

 ANAND KUMAR GOUR (PAN:ATKPG3885C)
Project Report
Repayment Schedule
ROI:- 9.25%
Loan Amount - 4,90,000/-
Year -1 ₹ 7,532.44

Principal
Month Opening Loan Disb Interest Instllment Closing
Repayment
1 - 4,90,000.00 3,777.08 7,945.96 4,168.88 4,85,831.12
2 4,85,831.12 3,744.95 7,945.96 4,201.01 4,81,630.11
3 4,81,630.11 - 3,712.57 7,945.96 4,233.39 4,77,396.72
4 4,77,396.72 - 3,679.93 7,945.96 4,266.03 4,73,130.69
5 4,73,130.69 - 3,647.05 7,945.96 4,298.91 4,68,831.78
6 4,68,831.78 - 3,613.91 7,945.96 4,332.05 4,64,499.73
7 4,64,499.73 3,580.52 7,945.96 4,365.44 4,60,134.29
8 4,60,134.29 - 3,546.87 7,945.96 4,399.09 4,55,735.20
9 4,55,735.20 - 3,512.96 7,945.96 4,433.00 4,51,302.20
10 4,51,302.20 - 3,478.79 7,945.96 4,467.17 4,46,835.02
11 4,46,835.02 - 3,444.35 7,945.96 4,501.61 4,42,333.42
12 4,42,333.42 - 3,409.65 7,945.96 4,536.31 4,37,797.11
Total 43,148.63 52,202.89

Year -2
Principal
Month Opening Loan Disb Interest Instllment Closing
Repayment
1 4,37,797.11 - 3,374.69 7,945.96 4,571.27 4,33,225.84
2 4,33,225.84 - 3,339.45 7,945.96 4,606.51 4,28,619.33
3 4,28,619.33 - 3,303.94 7,945.96 4,642.02 4,23,977.31
4 4,23,977.31 - 3,268.16 7,945.96 4,677.80 4,19,299.51
5 4,19,299.51 - 3,232.10 7,945.96 4,713.86 4,14,585.65
6 4,14,585.65 - 3,195.76 7,945.96 4,750.20 4,09,835.45
7 4,09,835.45 - 3,159.15 7,945.96 4,786.81 4,05,048.64
8 4,05,048.64 - 3,122.25 7,945.96 4,823.71 4,00,224.93
9 4,00,224.93 - 3,085.07 7,945.96 4,860.89 3,95,364.04
10 3,95,364.04 - 3,047.60 7,945.96 4,898.36 3,90,465.67
11 3,90,465.67 - 3,009.84 7,945.96 4,936.12 3,85,529.55
12 3,85,529.55 - 2,971.79 7,945.96 4,974.17 3,80,555.38
Total 38,109.79 57,241.73
 ANAND KUMAR GOUR (PAN:ATKPG3885C)
Project Report
Repayment Schedule
ROI:- 9.25%
Loan Amount - 4,90,000/-
Year -3

Principal
Month Opening Loan Disb Interest Instllment Closing
Repayment
1 3,80,555.38 - 2,933.45 7,945.96 5,012.51 3,75,542.87
2 3,75,542.87 - 2,894.81 7,945.96 5,051.15 3,70,491.72
3 3,70,491.72 - 2,855.87 7,945.96 5,090.09 3,65,401.63
4 3,65,401.63 - 2,816.64 7,945.96 5,129.32 3,60,272.31
5 3,60,272.31 - 2,777.10 7,945.96 5,168.86 3,55,103.45
6 3,55,103.45 - 2,737.26 7,945.96 5,208.70 3,49,894.75
7 3,49,894.75 - 2,697.11 7,945.96 5,248.85 3,44,645.89
8 3,44,645.89 - 2,656.65 7,945.96 5,289.31 3,39,356.58
9 3,39,356.58 - 2,615.87 7,945.96 5,330.09 3,34,026.49
10 3,34,026.49 - 2,574.79 7,945.96 5,371.17 3,28,655.32
11 3,28,655.32 - 2,533.38 7,945.96 5,412.58 3,23,242.74
12 3,23,242.74 - 2,491.66 7,945.96 5,454.30 3,17,788.45
Total 32,584.58 62,766.94

Year -4
Principal
Month Opening Loan Disb Interest Instllment Closing
Repayment
1 3,17,788.45 - 2,449.62 7,945.96 5,496.34 3,12,292.11
2 3,12,292.11 - 2,407.25 7,945.96 5,538.71 3,06,753.40
3 3,06,753.40 - 2,364.56 7,945.96 5,581.40 3,01,171.99
4 3,01,171.99 - 2,321.53 7,945.96 5,624.43 2,95,547.57
5 2,95,547.57 - 2,278.18 7,945.96 5,667.78 2,89,879.79
6 2,89,879.79 - 2,234.49 7,945.96 5,711.47 2,84,168.32
7 2,84,168.32 - 2,190.46 7,945.96 5,755.50 2,78,412.82
8 2,78,412.82 - 2,146.10 7,945.96 5,799.86 2,72,612.96
9 2,72,612.96 - 2,101.39 7,945.96 5,844.57 2,66,768.39
10 2,66,768.39 - 2,056.34 7,945.96 5,889.62 2,60,878.77
11 2,60,878.77 - 2,010.94 7,945.96 5,935.02 2,54,943.75
12 2,54,943.75 - 1,965.19 7,945.96 5,980.77 2,48,962.98
Total 26,526.06 68,825.46
 ANAND KUMAR GOUR (PAN:ATKPG3885C)
Project Report
Repayment Schedule
ROI:- 9.25%
Loan Amount - 4,90,000/-
Year -5

Principal
Month Opening Loan Disb Interest Instllment Closing
Repayment
1 2,48,962.98 - 1,919.09 7,945.96 6,026.87 2,42,936.11
2 2,42,936.11 - 1,872.63 7,945.96 6,073.33 2,36,862.79
3 2,36,862.79 - 1,825.82 7,945.96 6,120.14 2,30,742.64
4 2,30,742.64 - 1,778.64 7,945.96 6,167.32 2,24,575.32
5 2,24,575.32 - 1,731.10 7,945.96 6,214.86 2,18,360.47
6 2,18,360.47 - 1,683.20 7,945.96 6,262.76 2,12,097.70
7 2,12,097.70 - 1,634.92 7,945.96 6,311.04 2,05,786.66
8 2,05,786.66 - 1,586.27 7,945.96 6,359.69 1,99,426.97
9 1,99,426.97 - 1,537.25 7,945.96 6,408.71 1,93,018.26
10 1,93,018.26 - 1,487.85 7,945.96 6,458.11 1,86,560.15
11 1,86,560.15 - 1,438.07 7,945.96 6,507.89 1,80,052.26
12 1,80,052.26 - 1,387.90 7,918.90 6,531.00 1,73,521.26
Total 19,882.74 75,441.72

Year -6
Principal
Month Opening Loan Disb Interest Instllment Closing
Repayment
1 1,73,521.26 - 1,337.56 7,945.96 6,608.40 1,66,912.86
2 1,66,912.86 - 1,286.62 7,945.96 6,659.34 1,60,253.52
3 1,60,253.52 - 1,235.29 7,945.96 6,710.67 1,53,542.85
4 1,53,542.85 - 1,183.56 7,945.96 6,762.40 1,46,780.45
5 1,46,780.45 - 1,131.43 7,945.96 6,814.53 1,39,965.92
6 1,39,965.92 - 1,078.90 7,945.96 6,867.06 1,33,098.87
7 1,33,098.87 - 1,025.97 7,945.96 6,919.99 1,26,178.88
8 1,26,178.88 - 972.63 7,945.96 6,973.33 1,19,205.55
9 1,19,205.55 - 918.88 7,945.96 7,027.08 1,12,178.46
10 1,12,178.46 - 864.71 7,945.96 7,081.25 1,05,097.21
11 1,05,097.21 - 810.12 7,945.96 7,135.84 97,961.37
12 97,961.37 - 755.12 7,918.90 7,163.78 90,797.59
Total 12,600.79 82,723.67
 ANAND KUMAR GOUR (PAN:ATKPG3885C)
Project Report
Repayment Schedule
ROI:- 9.25%
Loan Amount - 4,90,000/-
Year -7

Principal
Month Opening Loan Disb Interest Instllment Closing
Repayment
1 90,797.59 - 699.90 7,945.96 7,246.06 83,551.53
2 83,551.53 - 644.04 7,945.96 7,301.92 76,249.62
3 76,249.62 - 587.76 7,945.96 7,358.20 68,891.41
4 68,891.41 - 531.04 7,945.96 7,414.92 61,476.49
5 61,476.49 - 473.88 7,945.96 7,472.08 54,004.41
6 54,004.41 - 416.28 7,945.96 7,529.68 46,474.74
7 46,474.74 - 358.24 7,945.96 7,587.72 38,887.02
8 38,887.02 - 299.75 7,945.96 7,646.21 31,240.81
9 31,240.81 - 240.81 7,945.96 7,705.15 23,535.67
10 23,535.67 - 181.42 7,945.96 7,764.54 15,771.13
11 15,771.13 - 121.57 7,945.96 7,824.39 7,946.74
12 7,946.74 - 61.26 8,007.99 7,946.73 0.00

Total 4,615.96 90,797.59