PRADHAN MANTRI FORMALISATION OF MICRO FOOD

PROCESSING ENTERPRISE SCHEME

Application View
Application Id : 11018823815751

Name : UMESH KUMAR MANJHI

Mother Name : SOHAWATI DEVI

Father/Spouse Name : ABIR LAL MANJHI

Gender : MALE

Date of Birth : 18-Nov-1994

Residential Address CHAKI WARD NO-07 ARARIA

City: ARAIRA

State : BIHAR

District: ARARIA

Block/Taluka : JOKIHAT

PINCODE : 854329

Email Address : [email protected]

Phone Number : 7858881784

Academic Qualification : 10TH PASS

Social Category : SC
PAN Number : CQBPM4503K

DETAILS ABOUT THE PROPOSED BUSINESS UNIT

Name of the Proposed Enterprise UMESH KUMAR MANJHI

Address of the Proposed Business CHAKI WARD NO-07 ARARIA

Unit

State : BIHAR District: ARARIA City: ARAIRA

Block/Taluka : JOKIHAT PinCode : 854329

Type of Property Parental Number of New Employment the Proposed Less Than or Equal to 10
Enterprises will Generate

Nature of Operations to be Carried out in the Proposed Semi Automatic

Enterprises :
Total Available Land for Proposed Project(in Sq ft) : 1000

Land Value of the Proposed Unit (In Rs/Sq ft) : 250

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 MACHINE

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

State for the District?
If No, Other ODOP Products : Wheat based products

BANK DETAILS OF THE APPLICANT

Bank Name Branch Name IFSC Code Bank Account Number

PUNJAB NATIONAL BANK ARARIA, NORTH PUNB0493300 4933000170013121

BIHAR
BUILDING DETAILS
Type of Building Area (Sq. ft) Rate/Sq.ft (In Rs) Amount (In Rs)

TIN SHED 1000 250 250,000

Total: 250,000

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

10HP PULVISER 1 180,000 180,000

LINE SHARFT PULLY ETC 1 25,000 25,000

HAND PACKING MACHINE 1 28,000 28,000

STONE CHAKKI WITH ENGINE 1 95,000 95,000

Total: 328,000

OTHER FINANCIAL DETAILS

Preliminary & Pre-operative Cost (in Rs) : 0.00

Furniture & Fixtures (in Rs): 0.00

Contingency/Others/Miscellaneous (in Rs) 0.00

:
Working Capital Per Estimate : 0.00

SALES DETAILS
Type of Product Rate/Unit (In Number of Units of Amount(In Rs.)
Rs) Proposed Product Expected
SATTU 12,000 24 288,000

BESAN 13,000 25 325,000

FLOUR 4,700 79 371,300

Total: 984,300

RAW MATERIALS
Name of the Raw Material Rate/Unit (In Reqd. Unit Amount(In
Rs) Rs.)
WHEAT 2,500 80 200,000
 RAW MATERIALS
Name of the Raw Material Rate/Unit (In Reqd. Unit Amount(In
Rs) Rs.)
CHANA DAL 6,500 50 325,000

Total: 525,000

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

UNSKILLED 2 7,000 168,000

Total: 168,000

WORKING CAPITAL REQUIREMENTS FOR THE ENTERPRISE

Stock In Process (In Number of Days) 7

Finished Goods (In Number of Days) : 5

Receivable By (In Number of Days) : 7

MISCELLENEOUS EXPENDITURE

Repair and Maintenance (In %) : 0.00 Power and Fuel (In %) : 0.20

Other Overhead Expenses (In %): 0.00 Telephone Expenses (In %) : 0.00

Stationery & Postage (In %) : 0.00 Advertisement & Publicity (In %): 0.00

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 3.00
Months):
Rate of Interest (In %): 11.00 Employment : 2.00

PROJECTED FINANCIAL

COST OF PROJECT
Land Land Value Ownership

LAND 250 OWN

Workshed Area/Sq.ft Rate(In Rs.). Amt.(In Rs)

1000 250.00 250,000.00

Total 250,000.00
Machinery Qty. Rate. Amt.(In Rs)

10HP PULVISER 1.00 180,000.00 180,000.00

LINE SHARFT PULLY ETC 1.00 25,000.00 25,000.00

HAND PACKING MACHINE 1.00 28,000.00 28,000.00

STONE CHAKKI WITH ENGINE 1.00 95,000.00 95,000.00

Total 328,000.00

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

0.00 0.00 0.00 578,000.00 44,014.68

"Means of Financing(Term Loan)"

Own Contribution 10.00 % Rs 57,800.00

Bank Finance 90.00 %

Term Loan Rs 520,200.00

Govt. Subsidy 35.00 % Rs 202,300.00

Means of Financing(Working Capital)

Own Contribution 20.00 % Rs 8,802.94

Bank Finance 80.00 %

Working Capital Rs 35,211.74

Term Loan
Year Opening Installment Closing Balance Interest
Balance
1 520200.00 26010.00 494190.00 57222.00

2 494190.00 104040.00 390150.00 54360.90

3 390150.00 104040.00 286110.00 42916.50

4 286110.00 104040.00 182070.00 31472.10

5 182070.00 104040.00 78030.00 20027.70

6 78030.00 104040.00 0 8583.30

 Working Capital
Year Opening Installment Closing Balance Interest
Balance
1 35,211.74 1,760.59 33,451.15 3,873.29

2 33,451.15 7,042.35 26,408.80 3,679.63

3 26,408.80 7,042.35 19,366.45 2,904.97

4 19,366.45 7,042.35 12,324.10 2,130.31

5 12,324.10 7,042.35 5,281.75 1,355.65

6 5,281.75 7,042.35 0.00 580.99

Statement Showing the Depreciation on Fixed Assets

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

Opening 250000.00 225000.00 202500.00 182250.00 164025.00

Balance
Depreciation 25000.00 22500.00 20250.00 18225.00 16402.50

Closing 225000.00 202500.00 182250.00 164025.00 147622.50

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

Opening 328000.00 278800.00 236980.00 201433.00 171218.05

Balance
Depreciation 49200.00 41820.00 35547.00 30214.95 25682.71

Closing 278800.00 236980.00 201433.00 171218.05 145535.34

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

WorkShed 25000.00 22500.00 20250.00 18225.00 16402.50

Machinery 49200.00 41820.00 35547.00 30214.95 25682.71

Total 74200.00 64320.00 55797.00 48439.95 42085.21

Schedule of Sales Realization

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

SATTU 12,000 24.00 288,000.00

BESAN 13,000 25.00 325,000.00

FLOUR 4,700 79.00 371,300.00

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 689010.00 787440.00 885870.00 885870.00 885870.00
 Raw Materials
Particulars Unit Rate/unit Reqd.Unit Amount in Rs.

WHEAT 0 2,500 80 200,000.00

CHANA DAL 0 6,500 50 325,000.00

Total 525,000.00

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

2 7,000 168,000.00

Total 2 168000.0

Repairs and Maintenance Rs 0.00

Power and Fuel Rs 1,968.60

Other Overhead Expenses Rs 0.00

ADMINISTRATIVE EXPENSES

Telephone Expenses 0.00

Stationery & Postage 0.00

Advertisement & Publicity 0.00

Workshed Rent 0.00

Other Miscellaneous Expenses 0.00

Total 0.00

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 367500.00 420000.00 472500.00 472500.00 472500.00

Wages 117600.00 134400.00 151200.00 151200.00 151200.00

Repairs & Maintenance 0.00 0.00 0.00 0.00 0.00

Power & Fuel 1378.02 1574.88 1771.74 1771.74 1771.74

Other Overhead 0.00 0.00 0.00 0.00 0.00

Expenses
ADMINISTRATIVE EXPENSES
Salary 0.00 0.00 0.00 0.00 0.00

Postage Telephone 0.00 0.00 0.00 0.00 0.00

Stationery & Postage 0.00 0.00 0.00 0.00 0.00

Advertisement & 0.00 0.00 0.00 0.00 0.00

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: 486478.02 555974.88 625471.74 625471.74 625471.74

Assessment of Working Capital

Particulars Amount in Rs.

Sale 984300.00

MANUFACTURING EXPENSES
Raw Material 525000.00

Wages 168000.00

Repair & Maintenance 0.00

Power & Fuel 1968.60

Other Overhead Expenses 0.00

Production Cost 694968.60

Administrative Cost 0.00
Manufacturing Cost 694968.60

Working Capital Estimate

Element of Working Capital No of Days Basis Amount in Rs.

0 0 Material Cost 0.00

Stock in process 7 Production Cost 16215.93

Finished goods 5 Manufacturing Cost 11582.81

Receivable by 7 Manufacturing Cost 16216.00

Total Working Capital Requirement Per Cycle 44014.74

Profit & Loss Account

Particulars 0 Year 1 Year 2 Year 3 Year 4 Year

Sales / Receipts 689010.00 787440.00 885870.00 885870.00

Total 689010.00 787440.00 885870.00 885870.00

MANUFACTURING EXPENSES
Rawmaterials 367500.00 420000.00 472500.00 472500.00

Wages 117600.00 134400.00 151200.00 151200.00

Repairs & 0.00 0.00 0.00 0.00

Maintenance
Power & Fuel 1378.02 1574.88 1771.74 1771.74

Other Overhead 0.00 0.00 0.00 0.00

Expenses
Depreciation 74200.00 64320.00 55797.00 48439.95

Production Cost 560678.02 620294.88 681268.74 673911.69

ADMINISTRATIVE EXPENSES
 Salary 0.00 0.00 0.00 0.00

Postage Telephone 0.00 0.00 0.00 0.00

Stationery & Postage 0.00 0.00 0.00 0.00

Advertisement & 0.00 0.00 0.00 0.00

Publicity
Workshed Rent 0.00 0.00 0.00 0.00

Other Miscellaneous 0.00 0.00 0.00 0.00

Expenses
Administrative 0.00 0.00 0.00 0.00
Cost
Interest on Bank credit

Term Loan 57222.00 54360.90 42916.50 31472.10

Working Capital 3873.29 3679.63 2904.97 2130.31

Cost of Sale 621773.31 678335.41 727090.21 707514.10

Net Profit Before Tax 67236.69 109104.59 158779.79 178355.90

Less Tax 0 0.00 0 0

Net Profit 67236.69 109104.59 158779.79 178355.90

Calculation of Debt Service Credit Ratio

Particulars 0 Year 1 Year 2 Year 3 Year 4 Year

Net Profit 67236.69 109104.59 158779.79 178355.90

Add :

Depreciation 74200.00 64320.00 55797.00 48439.95

TOTAL - A 141436.69 173424.59 214576.79 226795.85

Payments :
On Term Loan :
Interest 57222.00 54360.90 42916.50 31472.10

Installment 26010.00 104040.00 104040.00 104040.00

On Working Capital

Interest 3873.29 3679.63 2904.97 2130.31

TOTAL - B 87105.29 162080.53 149861.47 137642.41

Average D.S.C.R 1.62 1.07 1.43 1.65

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

LIABILITIES
Promoters Capital 66602.94 66602.94 66602.94 66602.94

Profit 67236.69 109104.59 158779.79 178355.90

Term Loan 520200.00 494190.00 390150.00 286110.00

Working Capital 35211.74 33451.15 26408.80 19366.45

Current Liabilities 0 0 0 0

Sundry Creditors 0 0 0 0
Total 689251.37 703348.68 641941.53 550435.29

ASSETS
Gross Fixed Assets 578000.00 503800.00 439480.00 383683.00

Less : Depreciation 74200.00 64320.00 55797.00 48439.95

Net Fixed Assets 503800.00 439480.00 383683.00 335243.05

Preliminary & Pre- 0 0 0 0

Op. Expenses
Current Assets 35211.74 33451.15 26408.80 19366.45

Cash in Bank/Hand 150239.63 230417.53 231849.73 195825.79

Total 689251.37 703348.68 641941.53 550435.29

Cash Flow Statement

Particulars 0 Year 1 Year 2 Year 3 Year 4 Year
Net Profit 67236.69 109104.59 158779.79 178355.90

Add : Depreciation 74200.00 64320.00 55797.00 48439.95

Term Loan 520200.00 494190.00 390150.00 286110.00

Working Capital Loan 35211.74 33451.15 26408.80 19366.45

Promoters Capital 62201.47 0.00 0.00 0.00

Total 759049.90 701065.74 631135.59 532272.30

Total Fixed Capital 578000 578000 578000 578000

Repayment of Term 26010.00 104040.00 104040.00 104040.00

Loan
Repayment of WC 1760.59 7042.35 7042.35 7042.35
Loan
Current Assets 35211.74 33451.15 26408.80 19366.45

Total 62982.33 144533.50 137491.15 130448.80

Opening Balance 0 696067.57 1252599.81 1746244.25

Surplus 696067.57 556532.24 493644.44 401823.50

Closing Balance 696067.57 1252599.81 1746244.25 2148067.75

Break Even Point and Ratio Analysis

Particulars 0 Year 1 Year 2 Year 3 Year 4 Year
Fixed Cost 131422.00 118680.90 98713.50 79912.05

Variable Cost 564551.31 623974.51 684173.71 676042.00

Total Cost 695973.31 742655.41 782887.21 755954.05

Sales 689010.00 787440.00 885870.00 885870.00

Contribution (Sales- 124458.69 163465.49 201696.29 209828.00

VC)
B.E.P in % 105.59 72.60 48.94 38.08

Break Even Sales in 727559.26 571705.31 433559.43 337379.60

Rs.
Break Even Units 60.63 47.64 36.13 28.11
 Current Ratio 0.40 0.20 0.17 0.13

Net Profit Ratio 9.76 % 13.86 % 17.92 % 20.13 %

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;