M.C.

M MEDICALS
PROP: Baliboina Padma Kumari

PROJECT COST DETAILS

S.No. Particulars Amount(Rs. In LAKHS)

i TOTAL PROJECT COST 6.63
TOTAL 6.63

FUNDS TO BE UTILISED FOR

S.No. Particulars Amount(Rs. In LAKHS)

1
2 Purchases 6.63
TOTAL 6.63

MEANS OF FINANCE

S.No. Particulars Amount(Rs. In LAKHS)

i Owners contribution ( Margin Money) 1.63
ii Bank Finance- 5.00
TOTAL 6.63
 M.C.M MEDICALS
PROP: Baliboina Padma Kumari

PROFITABILITY PROJECTIONS
Projected Projected Estimated Estimated Estimated Estimated
PARTICULARS 2023-24 2024-25 2025-26 2026-27 2027-28 2028-29
A Revenue from Operations
- Gross receipts per year 16.00 17.92 18.82 19.76 20.74 21.78

Closing Stock - - - - - -

A GROSS RECEIPTS 16.00 17.92 18.82 19.76 20.74 21.78

Opening Stock - - - - -
Purchases
Direct Expenses including inputs 11.00 11.55 12.13 12.73 13.37 14.04
F GROSS PROFIT ( A-E) 5.00 6.37 6.69 7.02 7.37 7.74
Indirect Expenses
1 Workers salary 1.80 1.89 1.98 2.08 2.19 2.30
2 Printing & Stationary 0.72 0.76 0.79 0.83 0.88 0.92
3 Telephone charges 0.12 0.13 0.13 0.14 0.15 0.15
4 Power Charges 0.54 0.57 0.60 0.63 0.66 0.69
5 Lease Rent 0.60 0.63 0.66 0.69 0.73 0.77
6 Other Expenses 0.30 0.32 0.33 0.35 0.36 0.38
7 Sadar 0.12 0.13 0.13 0.14 0.15 0.15
TOTAL RUNNING COST 4.20 4.41 4.63 4.86 5.11 5.36

E COST OF SALES 0.80 1.96 2.06 2.16 2.27 2.38

Advertisement charges - - - - - -

F Profit Before Dep , Interest and Tax ( C-D) 0.80 1.96 2.06 2.16 2.27 2.38

G DEPRECIATION 0.30 0.27 0.24 0.22 0.20 0.18

H PROFIT BEFORE INTEREST & TAX (PBIT) 0.50 1.69 1.82 1.94 2.07 2.21
Interest on Working capital Loan - - - - - -
1 Interest on Loan 0.13 0.48 0.39 0.28 0.17 0.04
I PROFIT BEFORE TAXES (PBT) 0.37 1.21 1.43 1.66 1.90 2.16

Provision for tax - - - - - -

NET PROFIT (C-D) 0.37 1.21 1.43 1.66 1.90 2.16
 M.C.M MEDICALS
PROP: Baliboina Padma Kumari

PROJECTED BALANCE SHEET

Projected Projected Estimated Estimated Estimated Estimated

PARTICULARS 2023-24 2024-25 2025-26 2026-27 2027-28 2028-29

A LIABILITIES :
1 CAPITAL A/c 1.63 1.81 2.42 3.13 3.96 4.91

2 Accumalated profits 0.37 1.21 1.43 1.66 1.90 2.16

3
4
5 Working capital Loan - - - - - -

6 TERM LOAN 4.81 3.99 3.08 2.06 0.93 0.00

7 CURRENT LIABILITIES
A. Sundry Creditors 1.83 1.93 2.02 2.12 2.23 2.34
B. PROVISIONS FOR EXPENSES 0.35 0.37 0.39 0.41 0.43 0.45
H. INCOME TAX PAYABLE - - - - - -

A TOTAL LIABILITIES 8.99 9.30 9.33 9.38 9.45 9.86

B ASSETS :
1 FIXED ASSETS (WDV) 2.70 2.43 2.19 1.97 1.77 1.59

2 Long term loan & Advances

A. Rental deposit & other advances 2.40 2.40 2.40 2.40 2.40 2.40
C. Advances to Staff 0.72 0.72 0.72 0.72 0.72 0.72

3 CURRENT ASSETS
A. SUNDRY DEBTORS <180 DAYS 1.33 1.49 1.57 1.65 1.73 1.82
B. STOCK IN TRADE OF MATERIAL - - - - - -
C.STOCK IN TRADE OF FINISHED
GOOD - - - - - -
D. CASH & BANK BALANCES 1.83 2.26 2.45 2.64 2.83 3.33

4 Priliminary expenses written off - - - - - -

TOTAL ASSETS 8.99 9.30 9.33 9.38 9.45 9.86

 M.C.M MEDICALS
PROP: Baliboina Padma Kumari

Projected Debt Service Coverage Ratio(DSCR)(Gross)

Projected Projected Estimated Estimated Estimated Estimated
2023-24 2024-25 2025-26 2026-27 2027-28 2028-29
Service
-Profit After Tax 0.37 1.21 1.43 1.66 1.90 2.16
-Add: Depreciation 0.30 0.27 0.24 0.22 0.20 0.18
-Add: Interest on Term Loan 0.13 0.48 0.39 0.28 0.17 0.04
TOTAL (A) 0.80 1.96 2.06 2.16 2.27 2.38

Debt
-Interest on Term Loan 0.13 0.48 0.39 0.28 0.17 0.04
-Term Loan Repayment 0.19 0.82 0.91 1.02 1.13 0.93
TOTAL (B) 0.32 1.30 1.30 1.30 1.30 0.97

DSCR(GROSS) (A)/(B) 2.46 1.51 1.58 1.66 1.75 2.45

DSCR(GROSS) (AVERAGE) 1.90

 M.C.M MEDICALS
PROP: Baliboina Padma Kumari

PROFITABILITY RATIO ANALYSIS

Projected Projected Estimated Estimated Estimated Estimated
PARTICULARS 2023-24 2024-25 2025-26 2026-27 2027-28 2028-29

NET PROFIT 0.37 1.21 1.43 1.66 1.90 2.16

ADD : DEPRECIATION 0.30 0.27 0.24 0.22 0.20 0.18
ADD : INTEREST LOAN 0.13 0.48 0.39 0.28 0.17 0.04

NET CASH ACCRUALS 0.80 1.96 2.06 2.16 2.27 2.38

REPAYMENT OBLIGATIONS
1 INTEREST ON LOAN 0.13 0.48 0.39 0.28 0.17 0.04
2 LOAN PRINCIPAL 0.19 0.82 0.91 1.02 1.13 0.93

TOTAL REPAYMENT 0.32 1.30 1.30 1.30 1.30 0.97

A DEBT SERVICE COVERAGE RATIO 2.46 1.51 1.58 1.66 1.75 2.45
AVERAGE RATIO 1.90

B GP RATIO 0.31 0.36 0.36 0.36 0.36 0.36

AVERAGE RATIO 0.35

C NP RATIO 0.02 0.07 0.08 0.08 0.09 0.10

AVERAGE RATIO 0.07

D PBDIT/SALES 0.05 0.11 0.11 0.11 0.11 0.11

AVERAGE RATIO 0.10

E PBIT/SALES 0.03 0.09 0.10 0.10 0.10 0.10

AVERAGE RATIO 0.09

F PBT/SALES 0.02 0.07 0.08 0.08 0.09 0.10

AVERAGE RATIO 0.07
 M.C.M MEDICALS
PROP: Baliboina Padma Kumari

DEPRECIATION STATEMENT
Projected Projected Estimated Estimated Estimated Estimated
PARTICULARS 2023-24 2024-25 2025-26 2026-27 2027-28 2028-29

OPENING WRITTEN DOWN VALUE

Furniture - 2.70 2.43 2.19 1.97 1.77
Computers - - - - - -
Office equipments - - - - - -
Plant & Machinary - - - - - -
Buildings( Infra development) - - - - - -
ADDITIONS
Furniture 3.00
Computers
Other equipments
Plant & Machinary
Buildings( Infra development) - - - - - -

TOTAL 3.00 2.70 2.43 2.19 1.97 1.77

DEPRECIATION ON FURNITURE @ 10% 0.30 0.27 0.24 0.22 0.20 0.18

DEPRECIATION ON COMPUTERS @ 63.16% - - - - - -
DEPRECIATION ON OFFICE EQUIPMENT @ 10% - - - - - -
DEPRECIATION ON P&M@ 15% - - - - - -
DEPRECIATION ON BUILDINGS @ 10% - - - - - -

Total Depreciation 0.30 0.27 0.24 0.22 0.20 0.18

CLOSING WRITTEN DOWN VALUE 2.70 2.43 2.19 1.97 1.77 1.59
 M.C.M MEDICALS
PROP: Baliboina Padma Kumari
Projections
Projected Projected Estimated Estimated Estimated Estimated
PARTICULARS 2023-24 2024-25 2025-26 2026-27 2027-28 2028-29

A CAPITAL 1.63 1.81 2.42 3.13 3.96 4.91

B Accumulated Profits 0.37 1.21 1.43 1.66 1.90 2.16
C LONG TERM DEBT 4.81 3.99 3.08 2.06 0.93 0.00
D CURRENT LIABILITIES 2.18 2.29 2.41 2.53 2.65 2.79
E FIXED ASSETS 2.70 2.43 2.19 1.97 1.77 1.59
F CURRENT ASSETS 3.17 3.75 4.02 4.29 4.56 5.15
G SALES 16.00 17.92 18.82 19.76 20.74 21.78

H WORKING CAPITAL (E-C) 0.98 1.46 1.62 1.76 1.90 2.36

I CAPITAL EMPLOYED (D+G) 3.68 3.89 3.80 3.73 3.68 3.95
J NET WORTH 1.99 3.02 3.84 4.79 5.86 7.07
H LONG TERM FUND 6.80 7.01 6.92 6.85 6.80 7.07

BALANCE SHEET RATIO ANALYSIS

Projections
PARTICULARS 2023-24 2024-25 2025-26 2026-27 2027-28 2028-29

A DEBT-CAPITAL RATIO 2.95 2.20 1.27 0.66 0.24 0.00

AVG RATIO 1.22

B TOL/TNW 2.41 1.32 0.80 0.43 0.16 0.00

AVG RATIO 0.85

C FIXED ASSETS TURNOVER RATIO 5.93 7.37 8.60 10.04 11.71 13.66
AVG RATIO 9.55

D CAPITAL TURNOVER RATIO 4.34 4.61 4.95 5.29 5.64 5.51

AVG RATIO 5.06

E CURRENT RATIO 1.45 1.64 1.67 1.70 1.72 1.85

AVG RATIO 1.67

FIXED ASSET COVERAGE RATIO-

F PROFIT 5.93 7.37 8.60 10.04 11.71 13.66
AVG RATIO 9.55

FIXED ASSET COVERAGE RATIO-

G DEBT 1.72 2.15 - - - -
AVG RATIO 0.65

FIXED ASSET TO LONG TERM FUND

H RATIO 0.40 0.35 0.32 0.29 0.26 0.23
AVG RATIO 0.31

I CAPITAL GEARING RATIO 0.41 0.76 0.00 0.00 0.00 0.00

AVG RATIO 0.20

J PROPRIETARY RATIO 0.34 0.49 0.62 0.77 0.93 1.05

AVG RATIO 0.70
 M.C.M MEDICALS
PROP: Baliboina Padma Kumari

CASH FLOW STATEMENT

Projected Projected Estimated Estimated Estimated Estimated
PARTICULARS 2023-24 2024-25 2025-26 2026-27 2027-28 2028-29

Opening Cash Balance - 1.83 2.26 2.45 2.64 2.83

A SOURCE OF FUND
1 PROFIT BEFORE DEPRECIATION INTREST & TAX 0.80 1.96 2.06 2.16 2.27 2.38
2 Add: PROVISIONS 0.35 0.37 0.39 0.41 0.43 0.45
3 INCREASE IN SUNDRY CREDITORS 1.83 1.93 2.02 2.12 2.23 2.34
5 INCREASE IN TERM LOAN LOAN 5.00 - - - - -
6 INCREASE IN WORKING CAPITAL LOAN - - - - - -
7 CAPITAL INTRODUCED 1.63 0.18 0.61 0.71 0.83 0.95
8 DECREASE IN STOCK - - - - - -
9 RECOVERY OF DEBTORS 1.33 1.49 1.57 1.65 1.73
TOTAL SOURCES 9.61 7.60 8.82 9.42 10.04 10.68

B DISPOSITION OF FUNDS

1 INCOME - TAX PAID - - - - - -

2 INCREASE IN STOCK IN TRADE - - - - - -
3 PURCHASE OR INVESTMENT IN FIXED ASSETS 3.00 - - - - -
4 REPAYMENT OF TERM LOAN 0.19 0.82 0.91 1.02 1.13 0.93
5 PAYMENT OF INTEREST ON TERM LOAN 0.13 0.48 0.39 0.28 0.17 0.04
6 REPAYMENT OF WORKING CAPITAL LOAN - - - - - -
7 PAYMENT OF INTEREST ON WORKING CAPITAL LOAN - - - - - -
8 PAYMENT OF PROVISIONAL AMOUNTS - 0.35 0.37 0.39 0.41 0.43
9 PAYMENT TO CREDITORS 1.83 1.93 2.02 2.12 2.23
10 RENTAL ADVANCE PAID 2.40
11 ADVANCE TO STAFF 0.72
12 INCREASE IN PROFITS - 0.37 1.21 1.43 1.66 1.90
13 Increse in sundry DEBTORS 1.33 1.49 1.57 1.65 1.73 1.82
TOTAL DISPOSITION 7.78 5.34 6.37 6.78 7.21 7.35

CLOSING CASH BALANCE AS ON 31 ST MARCH 1.83 2.26 2.45 2.64 2.83 3.33
 M.C.M MEDICALS
PROP: Baliboina Padma Kumari

LOAN REPAYMENT SCHEDULE

PARTICULARS 2023-24 2024-25 2025-26 2026-27 2027-28 2028-29

1 Opening loan balance 5.00 4.81 3.99 3.08 2.06 0.93

2 Repayment of Interest 0.13 0.48 0.39 0.28 0.17 0.04

3 Repayment of principle portion 0.19 0.82 0.91 1.02 1.13 0.93

4 Closing balance of Loan 4.81 3.99 3.08 2.06 0.93 0.00

 M.C.M MEDICALS

PROP: Baliboina Padma Kumari

Amount of Loan(In Rs.) 5,00,000.00

Rate of Interest 10.80% p.a
Total Tenure 5 Years

Tenure for repayment of

principle amount 5 Years
EMI Rs. 10,821

Repayment Schedule
Rs. in Lakhs
Month Installment No. Opening Interest Principal Total Closing
Apr-23 - - - 0.00 Rs. 0.00 -
May-23 - - - 0.00 Rs. 0.00 -
Jun-23 1 - - 0.00 0.00 -
Jul-23 2 - - 0.00 0.00 -
Aug-23 3 - - 0.00 0.00 -
Sep-23 4 - - 0.00 0.00 -
Oct-23 5 - - 0.00 0.00 -
Nov-23 6 - - 0.00 0.00 -
Dec-23 7 - - 0.00 0.00 -
Jan-24 8 5.00 0.05 0.06 0.11 4.94
Feb-24 9 4.94 0.04 0.06 0.11 4.87
Mar-24 10 4.87 0.04 0.06 0.11 4.81
Year I TOTAL 0.13 0.19 0.32
Apr-24 11 4.81 0.04 0.06 0.11 4.74
May-24 12 4.74 0.04 0.07 0.11 4.68
Jun-24 13 4.68 0.04 0.07 0.11 4.61
Jul-24 14 4.61 0.04 0.07 0.11 4.55
Aug-24 15 4.55 0.04 0.07 0.11 4.48
Sep-24 16 4.48 0.04 0.07 0.11 4.41
Oct-24 17 4.41 0.04 0.07 0.11 4.34
Nov-24 18 4.34 0.04 0.07 0.11 4.27
Dec-24 19 4.27 0.04 0.07 0.11 4.20
Jan-25 20 4.20 0.04 0.07 0.11 4.13
Feb-25 21 4.13 0.04 0.07 0.11 4.06
Mar-25 22 4.06 0.04 0.07 0.11 3.99
Year II TOTAL 0.48 0.82 1.30
Apr-25 23 3.99 0.04 0.07 0.11 3.92
May-25 24 3.92 0.04 0.07 0.11 3.84
Jun-25 25 3.84 0.03 0.07 0.11 3.77
Jul-25 26 3.77 0.03 0.07 0.11 3.70
Aug-25 27 3.70 0.03 0.07 0.11 3.62
Sep-25 28 3.62 0.03 0.08 0.11 3.55
Oct-25 29 3.55 0.03 0.08 0.11 3.47
Nov-25 30 3.47 0.03 0.08 0.11 3.39
Dec-25 31 3.39 0.03 0.08 0.11 3.31
Jan-26 32 3.31 0.03 0.08 0.11 3.24
Feb-26 33 3.24 0.03 0.08 0.11 3.16
Mar-26 34 3.16 0.03 0.08 0.11 3.08
Year III TOTAL 0.39 0.91 1.30
Apr-26 35 3.08 0.03 0.08 0.11 3.00
May-26 36 3.00 0.03 0.08 0.11 2.92
Jun-26 37 2.92 0.03 0.08 0.11 2.83
Jul-26 38 2.83 0.03 0.08 0.11 2.75
Aug-26 39 2.75 0.02 0.08 0.11 2.67
Sep-26 40 2.67 0.02 0.08 0.11 2.58
Oct-26 41 2.58 0.02 0.08 0.11 2.50
Nov-26 42 2.50 0.02 0.09 0.11 2.41
Dec-26 43 2.41 0.02 0.09 0.11 2.33
Jan-27 44 2.33 0.02 0.09 0.11 2.24
Feb-27 45 2.24 0.02 0.09 0.11 2.15
Mar-27 46 2.15 0.02 0.09 0.11 2.06
YearIV TOTAL 0.28 1.02 1.30
Apr-27 47 2.06 0.02 0.09 0.11 1.97
May-27 48 1.97 0.02 0.09 0.11 1.88
Jun-27 49 1.88 0.02 0.09 0.11 1.79
Jul-27 50 1.79 0.02 0.09 0.11 1.70
Aug-27 51 1.70 0.02 0.09 0.11 1.61
Sep-27 52 1.61 0.01 0.09 0.11 1.51
Oct-27 53 1.51 0.01 0.09 0.11 1.42
Nov-27 54 1.42 0.01 0.10 0.11 1.32
Dec-27 55 1.32 0.01 0.10 0.11 1.23
Jan-28 56 1.23 0.01 0.10 0.11 1.13
Feb-28 57 1.13 0.01 0.10 0.11 1.03
Mar-28 58 1.03 0.01 0.10 0.11 0.93
Year V TOTAL 0.17 1.13 1.30
Apr-28 59 0.93 0.01 0.10 0.11 0.83
May-28 60 0.83 0.01 0.10 0.11 0.73
Jun-28 61 0.73 0.01 0.10 0.11 0.63
Jul-28 62 0.63 0.01 0.10 0.11 0.53
Aug-28 63 0.53 0.00 0.10 0.11 0.42
Sep-28 64 0.42 0.00 0.10 0.11 0.32
Oct-28 65 0.32 0.00 0.11 0.11 0.21
Nov-28 66 0.21 0.00 0.11 0.11 0.11
Dec-28 67 0.11 0.00 0.11 0.11 0.00
Jan-29 68 0.00 0.00 0.00 - 0.00
Feb-29 69 0.00 0.00 0.00 - 0.00
Mar-29 70 0.00 0.00 0.00 - 0.00
Year VI TOTAL 0.04 0.93 0.97