2024

PROJECT
REPORT

Sagar
Chak sikandar Bidupur Jandaha Road Hajipur Vaishali
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Project at a glance

Name & Address of Unit

Sagar
Chak sikandar Bidupur Jandaha Road Hajipur Vaishali,844115

Activity : Retail trade of cloth

Email : [email protected]

Phone : 9431650818

Constitution : Proprietorship

Scheme : mudra

Number of employment : 5

Total project cost : 5,60,000.00

Fixed Capital : 5,60,000.00

Total Bank loan : 5,04,000.00

Promoter(s) contribution : 56,000.00

Term loan : 5,04,000.00 Interest : 11.00 %

Name & address of promoter(s)

Name : Lucky Aryan

Address : Chak sikandar Bidupur Jandaha Road Hajipur Vaishali

Phone : 9431650818

Designation : Founder

Category : OBC

E-mail : [email protected]
 Project Feasibility Ratio

Debt Service Coverage Ratio (Average) : 13.52

Year 1 Year 2 Year 3 Year 4 Year 5

Current ratio xx.xx xx.xx xx.xx 0.00 xx.xx

Quick ratio xx.xx xx.xx xx.xx 0.00 xx.xx

Interest coverage ratio xx.xx xx.xx xx.xx 109.08 xx.xx

Debt equity ratio xx.xx xx.xx xx.xx 0.02 xx.xx

TOL/TNW xx.xx xx.xx xx.xx 0.02 xx.xx

DSCR xx.xx xx.xx xx.xx 14.32 xx.xx

Gross profit Sales Percentage % xx.xx xx.xx xx.xx 23.26 % xx.xx

Net profit Sales Percentage % xx.xx xx.xx xx.xx 14.52 % xx.xx

Return On Capital Employed xx.xx xx.xx xx.xx 0.42 xx.xx

Net profit Sales % Quick ratio

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Project Feasibility graph
Revenue v/s Expense

Expense Splitup

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 Project Cost
Sl. no Item Amount Rs.

1 Other investments xx.xx

Total xx.xx

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Annual Sales / Revenue

Sales is calculated from July 2024

Sl. no Item Rate Quantity Month Unit Total Rs.

1 Revenue from Sales xx.xx xx.xx 750 xx.xx 9 xx.xx 71,65,782.00

Total xx.xx

Total Yearly Expense

Expense is calculated from July 2024 .

Sl. no Item Amount Rs.

1 Salary xx.xx

2 Electricity/Gas charges xx.xx

3 Stock purchase xx.xx

4 Transportation cost xx.xx

5 Miscellaneous expenses xx.xx

Total xx.xx

Application of Fund
Sl. no Item Subsidy % No. Rate Amount Rs.

1 Other investments xx.xx xx.xx 5,60,000.00 xx.xx

Total Investment xx.xx

Total Subsidy xx.xx

Net Investment xx.xx

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 Means of Finance
Sl. no Item Amount

1 Term Loan xx.xx

2 Total loan xx.xx

3 Promoters contribution on term loan xx.xx

 Profitability Statement
All figures are in lakhs
31/03/25 31/03/26 31/03/27 31/03/28 31/03/29

Revenue from operation xx.xx xx.xx xx.xx

Revenue from Sales xx.xx xx.xx 112.98 xx.xx 136.70

Add : xx.xx xx.xx xx.xx

Closing stock xx.xx xx.xx 0 xx.xx 0

Total xx.xx xx.xx 112.98 xx.xx 136.70

Less : xx.xx xx.xx xx.xx

Opening stock xx.xx xx.xx 0 xx.xx 0

Stock purchase xx.xx xx.xx 85.14 xx.xx 103.01

Salary xx.xx xx.xx 1.41 xx.xx 1.71

Electricity/Gas charges xx.xx xx.xx 0.14 xx.xx 0.17

Total xx.xx xx.xx 86.70 xx.xx 104.90

Gross profit xx.xx xx.xx 26.27 xx.xx 31.79

Less : xx.xx xx.xx xx.xx

Transportation cost xx.xx xx.xx 1.41 xx.xx 1.71

Miscellaneous expenses xx.xx xx.xx 0.71 xx.xx 0.86

Total xx.xx xx.xx 2.12 xx.xx 2.57

Profit before interest, tax and depreciation xx.xx xx.xx 24.15 xx.xx 29.22

Depreciation xx.xx xx.xx 0.63 xx.xx 0.46

Interest on TL xx.xx xx.xx 0.35 xx.xx 0.12

Interest on WC xx.xx xx.xx 0 xx.xx 0

Profit before tax xx.xx xx.xx 23.16 xx.xx 28.64

Income Tax xx.xx xx.xx 6.94 xx.xx 8.59

Profit after tax xx.xx xx.xx 16.21 xx.xx 20.05

 Cash flow statement
All figures are in lakhs
Cash Inflow Pre operative period 31/03/25 31/03/26 31/03/27 31/03/28 31/03/29
Capital xx.xx xx.xx xx.xx 0 xx.xx 0
Subsidy xx.xx xx.xx xx.xx 0 xx.xx 0
Termloan xx.xx xx.xx xx.xx 0 xx.xx 0
Profit before tax with interest xx.xx xx.xx xx.xx 23.51 xx.xx 28.76
Increase in WC loan xx.xx xx.xx xx.xx 0 xx.xx 0
Depreciation xx.xx xx.xx xx.xx 0.63 xx.xx 0.46
Increase in Current liability xx.xx xx.xx xx.xx 0 xx.xx 0
Total Cash Inflow xx.xx xx.xx xx.xx 24.15 xx.xx 29.22

Cash Outflow
Fixed Assets xx.xx xx.xx xx.xx 0 xx.xx 0
Increase in Current asset xx.xx xx.xx xx.xx 0 xx.xx 0
Interest on TL xx.xx xx.xx xx.xx 0.35 xx.xx 0.12
Interest on WC xx.xx xx.xx xx.xx 0 xx.xx 0
Income Tax xx.xx xx.xx xx.xx 6.94 xx.xx 8.59
Decrease in Term loan xx.xx xx.xx xx.xx 0.96 xx.xx 1.19
Drawing xx.xx xx.xx xx.xx 0 xx.xx 0
Total Cash Outflow xx.xx xx.xx xx.xx 8.26 xx.xx 9.90
Opening balance xx.xx xx.xx xx.xx 24.55 xx.xx 57.95
Net Cashflow xx.xx xx.xx xx.xx 15.88 xx.xx 19.31
Closing balance xx.xx xx.xx xx.xx 40.44 xx.xx 77.27
 Balance sheet
All figures are in lakhs
Liability Pre operative period As of 31/03/25 31/03/26 31/03/27 31/03/28 31/03/29

A. Share holders funds xx.xx xx.xx xx.xx xx.xx

Capital xx.xx xx.xx xx.xx 0.56 xx.xx 0.56

Reserve & Surplus xx.xx xx.xx xx.xx 40.77 xx.xx 78.87

B.Non current Liabilities xx.xx xx.xx xx.xx xx.xx

Termloan xx.xx xx.xx xx.xx 2.69 xx.xx 0.43

C.Current Liabilities xx.xx xx.xx xx.xx xx.xx

Working capital loan xx.xx xx.xx xx.xx 0 xx.xx 0

Account payable xx.xx xx.xx xx.xx 0 xx.xx 0

Total Liability 5.60 15.11 28.77 44.03 61.01 79.86

Asset xx.xx xx.xx xx.xx xx.xx

A. Non current Assets xx.xx xx.xx xx.xx xx.xx

Fixed Assets xx.xx xx.xx xx.xx 3.59 xx.xx 2.59

B. Current Assets xx.xx xx.xx xx.xx xx.xx

Inventory xx.xx xx.xx xx.xx 0 xx.xx 0

Trade receivables xx.xx xx.xx xx.xx 0 xx.xx 0

Cash and cash equivalence xx.xx xx.xx xx.xx 40.44 xx.xx 77.27

Total Asset 5.60 15.11 28.77 44.03 61.01 79.86

 Repayment of Term loan
All figures are in lakhs
Outstanding at the Principal Amount Outstanding at the
Year Month Installment Interest
beginning repayment paid end

1 xx.xx xx.xx 0.063 xx.xx 0.11 xx.xx

xx.xx

1 xx.xx xx.xx xx.xx 0.064 xx.xx 0.11 xx.xx

1 xx.xx xx.xx xx.xx 0.065 xx.xx 0.11 xx.xx

1 xx.xx xx.xx 0.065 xx.xx 0.11 xx.xx

xx.xx

1 xx.xx xx.xx xx.xx 0.066 xx.xx 0.11 xx.xx

1 xx.xx xx.xx xx.xx 0.066 xx.xx 0.11 xx.xx

1 xx.xx xx.xx xx.xx 0.067 xx.xx 0.11 xx.xx

1 xx.xx xx.xx 0.068 xx.xx 0.11 xx.xx

xx.xx

2 xx.xx xx.xx xx.xx 0.068 xx.xx 0.11 xx.xx

2 xx.xx xx.xx 0.069 xx.xx 0.11 xx.xx

xx.xx

2 xx.xx xx.xx xx.xx 0.069 xx.xx 0.11 xx.xx

2 xx.xx xx.xx xx.xx 0.070 xx.xx 0.11 xx.xx

2 xx.xx xx.xx 0.071 xx.xx 0.11 xx.xx

xx.xx

2 xx.xx xx.xx xx.xx 0.071 xx.xx 0.11 xx.xx

2 xx.xx xx.xx xx.xx 0.072 xx.xx 0.11 xx.xx

2 xx.xx xx.xx 0.073 xx.xx 0.11 xx.xx

xx.xx

2 xx.xx xx.xx xx.xx 0.073 xx.xx 0.11 xx.xx

2 xx.xx xx.xx xx.xx 0.074 xx.xx 0.11 xx.xx

2 xx.xx xx.xx xx.xx 0.075 xx.xx 0.11 xx.xx

2 xx.xx xx.xx 0.075 xx.xx 0.11 xx.xx

xx.xx

3 xx.xx xx.xx xx.xx 0.076 xx.xx 0.11 xx.xx

3 xx.xx xx.xx 0.077 xx.xx 0.11 xx.xx

xx.xx

3 xx.xx xx.xx xx.xx 0.077 xx.xx 0.11 xx.xx

3 xx.xx xx.xx xx.xx 0.078 xx.xx 0.11 xx.xx

3 xx.xx xx.xx 0.079 xx.xx 0.11 xx.xx

xx.xx

3 xx.xx xx.xx xx.xx 0.080 xx.xx 0.11 xx.xx

3 xx.xx xx.xx xx.xx 0.080 xx.xx 0.11 xx.xx

3 xx.xx xx.xx 0.081 xx.xx 0.11 xx.xx

xx.xx

3 xx.xx xx.xx xx.xx 0.082 xx.xx 0.11 xx.xx

 Outstanding at the Principal Amount Outstanding at the
Year Month Installment Interest
beginning repayment paid end

3 xx.xx xx.xx xx.xx 0.083 xx.xx 0.11 xx.xx

3 xx.xx xx.xx xx.xx 0.083 xx.xx 0.11 xx.xx

3 xx.xx xx.xx 0.084 xx.xx 0.11 xx.xx

xx.xx

4 xx.xx xx.xx xx.xx 0.085 xx.xx 0.11 xx.xx

4 xx.xx xx.xx 0.086 xx.xx 0.11 xx.xx

xx.xx

4 xx.xx xx.xx xx.xx 0.086 xx.xx 0.11 xx.xx

4 xx.xx xx.xx xx.xx 0.087 xx.xx 0.11 xx.xx

4 xx.xx xx.xx 0.088 xx.xx 0.11 xx.xx

xx.xx

4 xx.xx xx.xx xx.xx 0.089 xx.xx 0.11 xx.xx

4 xx.xx xx.xx xx.xx 0.090 xx.xx 0.11 xx.xx

4 xx.xx xx.xx 0.090 xx.xx 0.11 xx.xx

xx.xx

4 xx.xx xx.xx xx.xx 0.091 xx.xx 0.11 xx.xx

4 xx.xx xx.xx xx.xx 0.092 xx.xx 0.11 xx.xx

4 xx.xx xx.xx xx.xx 0.093 xx.xx 0.11 xx.xx

4 xx.xx xx.xx 0.094 xx.xx 0.11 xx.xx

xx.xx

5 xx.xx xx.xx xx.xx 0.095 xx.xx 0.11 xx.xx

5 xx.xx xx.xx 0.096 xx.xx 0.11 xx.xx

xx.xx

5 xx.xx xx.xx xx.xx 0.096 xx.xx 0.11 xx.xx

5 xx.xx xx.xx xx.xx 0.097 xx.xx 0.11 xx.xx

5 xx.xx xx.xx 0.098 xx.xx 0.11 xx.xx

xx.xx

5 xx.xx xx.xx xx.xx 0.099 xx.xx 0.11 xx.xx

5 xx.xx xx.xx xx.xx 0.10 xx.xx 0.11 xx.xx

5 xx.xx xx.xx 0.10 xx.xx 0.11 xx.xx

xx.xx

5 xx.xx xx.xx xx.xx 0.10 xx.xx 0.11 xx.xx

5 xx.xx xx.xx xx.xx 0.10 xx.xx 0.11 xx.xx

5 xx.xx xx.xx xx.xx 0.10 xx.xx 0.11 xx.xx

5 xx.xx xx.xx 0.10 xx.xx 0.11 xx.xx

xx.xx

6 xx.xx xx.xx xx.xx 0.11 xx.xx 0.11 xx.xx

6 xx.xx xx.xx 0.11 xx.xx 0.11 xx.xx

xx.xx

6 xx.xx xx.xx xx.xx 0.11 xx.xx 0.11 xx.xx

6 xx.xx xx.xx xx.xx 0.11 xx.xx 0.11 xx.xx

 Debt Service Coverage Ratio
All figures are in lakhs
Particulars 31/03/25 31/03/26 31/03/27 31/03/28 31/03/29

Receipts

a).Net Profit xx.xx xx.xx xx.xx 18.04 xx.xx

b).Depreciation xx.xx xx.xx xx.xx 0.54 xx.xx

c).Interest on termloan xx.xx xx.xx xx.xx 0.24 xx.xx

Total xx.xx xx.xx xx.xx 18.83 xx.xx

Repayments

a).Loan Principal xx.xx xx.xx xx.xx 1.07 xx.xx

b).Interest on termloan xx.xx xx.xx xx.xx 0.24 xx.xx

Total xx.xx xx.xx xx.xx 1.31 xx.xx

DSCR xx.xx xx.xx xx.xx 14.32 xx.xx

Average DSCR : 13.52

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Depreciation
All figures are in lakhs
Particulars Rate 31/03/25 31/03/26 31/03/27 31/03/28 31/03/29

Other investments xx.xx xx.xx xx.xx 4.22 xx.xx 3.05

Less Depreciation xx.xx xx.xx xx.xx 0.63 xx.xx 0.46

Written down value xx.xx xx.xx xx.xx 3.59 xx.xx 2.59

Total less depreciation xx.xx xx.xx xx.xx 0.63 xx.xx 0.46

Total written down value xx.xx xx.xx xx.xx 3.59 xx.xx 2.59

Assumption
The entire projection is based on the assumption that the sales for 5 years will be

All figures are in lakhs

31/03/25 31/03/26 31/03/27 31/03/28 31/03/29

xx.xx xx.xx 112.98 xx.xx 136.71

Revenue from Sales : 9554376

Also the total expense for the firm during the projection years will be as follows

31/03/25 31/03/26 31/03/27 31/03/28 31/03/29

 xx.xx xx.xx 88.83 xx.xx 107.48

• The depreciation is as follows

Particulars Value

Other investments xx.xx

• Cost of Machinery is based on direct purchase from the market on deepest study

• Value of raw materials & utility charges as per the current market conditions

• All other assumptions are calculated based on the basis of experience of the promoter and deep study

on the working of similar model

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Conclusion
The project as a whole describes the scope and viability of the Trading industry and mainly of the financial,
technical and its market potential.The project guarantee sufficient fund to repay the loan and also give a good
return on capital investment. When analyzing the social- economic impact, this project is able to generate an
employment of 5 and above. It will cater the demand of Trading and thus helps the other business entities to
increase the production and service which provide service and support to this industry. Thus more cyclic
employment and livelihood generation. So in all ways, we can conclude the project is technically and socially
viable and commercially sound too.

When we take a close look at the Debt Service Coverage Ratio (DSCR), the avg: DSCR is 13.52 : 1, which is at a
higher proposition and proposes a stable venture

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