PROJECT AT GLANCE
NAME OF PROJECT : RAJ KUMAR
CONSTITUTION : Proprietorship Firm
: Raj Kumar
NAME OF PROPRIETOR
CATEGORY : SC/ST
DISTRICT : Baghpat
MOBILE : 7895919319
EMAIL ID : rajkumarbal26SR@[Link]
LOCATION OF PROJECT : Raidaspuri, KHEKRA BAGHPAT - 250101
TYPE OF PROJECT : Service E - Commerce
EMPLOYMENT : 3
TERM LOAN : 73,224
WORKING CAPITAL LOAN : 1,96,776
COST OF PROJECT
PARTICULARS AMOUNT MARGIN FINANCE
10%
Machinery & Equipments 81,360 8,136 73,224
Furniture & Misc Assets - - -
Other Assets - - -
Working Capital Requirement 2,18,640 21,864 1,96,776
Total 3,00,000 30,000 2,70,000
MEANS OF FINANCE
PARTICULARS AMOUNT
Capital/Internal Accruals 30,000
Term Loan 73,224
Working Capital Loan 1,96,776
Total 3,00,000
_
CAPITAL SUBSIDY 10% OF COST 30,000
UNDER THE CM YUVA SCHEME
Raj Kumar
PROJECTED CASH FLOW STATEMENT
PARTICULARS 2025-26 2026-27 2027-28 2028-29 2029-30
SOURCES OF FUND
Capital 30,000 - - - -
Reserve & Surplus 1,04,402 2,13,620 2,58,602 3,05,983 3,55,841
Depriciation & Exp. W/off 12,204 10,373 8,817 7,495 6,371
Increase in Cash Credit 1,96,776 - - - -
Increase In Term Loan (New) 73,224 - - - -
Increase In Subsidy 30,000
Increase in Creditors 10,664 - 1,706 1,171 1,266 1,367
TOTAL : 4,57,270 2,22,287 2,68,590 3,14,745 3,63,580
APPLICATION OF FUND
Increase in Fixed Assets
81,360 -
- - -
Increase in Stock 31,640 6,360 5,000 5,000 6,000
Increase in Debtors 1,61,000 8,000 22,000 24,000 26,000
Repayment of Term Loan (New) - 20,921 20,921 20,921 10,461
Increase in Subsidy (FD) 30,000 - - - -
Drawings 41,761 64,086 1,29,301 1,52,992 1,77,921
TOTAL : 3,45,761 99,367 1,77,222 2,02,913 2,20,381
Opening Cash & Bank Balance
-
1,11,509 2,34,429 3,25,797 4,37,629
Add : Surplus 1,11,509 1,22,920 91,368 1,11,832 1,43,199
Closing Cash & Bank Balance 1,11,509 2,34,429 3,25,797 4,37,629 5,80,827
Raj Kumar
PROJECTED BALANCE SHEET
PARTICULARS 2025-26 2026-27 2027-28 2028-29 2029-30
SOURCES OF FUND
Capital Account - 92,641 2,42,175 3,71,476 5,24,468
Add: Addition 30,000 - - -
Add : Net Profit 1,04,402
2,13,620 2,58,602 3,05,983 3,55,841
1,34,402
3,06,261 5,00,777 6,77,460 8,80,309
Less : Drawings 41,761 64,086 1,29,301 1,52,992 1,77,921
92,641
2,42,175 3,71,476 5,24,468 7,02,389
Capital Subsidy 30,000 30,000 30,000 30,000 30,000
Term Loan 73,224 52,303 31,382 10,461 -
Cash Credit 1,96,776 1,96,776 1,96,776 1,96,776 1,96,776
Expenses Payable 10,664 8,958 10,129 11,395 12,763
TOTAL : 4,03,305 5,30,212 6,39,763 7,73,100 9,41,927
APPLICATION OF FUND
Fixed Assets 81,360
81,360 81,360 81,360 81,360
Less : Depreciation 12,204 22,577 31,394 38,889 45,260
Net Fixed Assets 69,156
58,783 49,966 42,471 36,100
Current Assets
Sundry Debtors 1,61,000 1,69,000 1,91,000 2,15,000 2,41,000
Stock in Hand 31,640 38,000 43,000 48,000 54,000
Cash and Bank 1,11,509 2,34,429 3,25,797 4,37,629 5,80,827
Subsidy (Fixed Deposit) 30,000 30,000 30,000 30,000 30,000
TOTAL :
4,03,305 5,30,212 6,39,763 7,73,100 9,41,927
- - - - - 0
Current Ratio 1.47 2.15 2.71 3.37 4.18
TOL/TNW 3.03 1.07 0.64 0.42 0.30
Raj Kumar
PROJECTED PROFITABILITY STATEMENT
PARTICULARS 2025-26 2026-27 2027-28 2028-29 2029-30
A) SALES
Gross Receipts/Sale
7,31,250 15,35,625 17,36,438 19,53,492 21,87,911
Total (A) 7,31,250 15,35,625 17,36,438 19,53,492 21,87,911
B) COST OF SALES/SERVICE
Purchase /Consumables 2,55,938 5,37,469 6,07,753 6,83,722 7,65,769
Elecricity Expenses 28,800 63,360 69,696 76,666 84,332
Labour & Wages 1,80,000 3,96,000 4,35,600 4,79,160 5,27,076
Other Overheads 25,594 53,747 60,775 68,372 76,577
Cost of Sales/Service (B) 4,90,331 10,50,576 11,73,824 13,07,920 14,53,754
C) GROSS PROFIT (A-B) 2,40,919 4,85,049 5,62,613 6,45,572 7,34,157
D) Selling Expenses 65,813 1,38,206 1,56,279 1,75,814 1,96,912
E) Administrative Expenses 58,500 1,22,850 1,38,915 1,56,279 1,75,033
F) Depriciation 12,204 10,373 8,817 7,495 6,371
TOTAL (D+F)
1,36,517 2,71,429 3,04,011 3,39,589 3,78,316
G) NET PROFIT
1,04,402 2,13,620 2,58,602 3,05,983 3,55,841
Profit Ratio 14% 14% 15% 16% 16%
Raj kumar
COMPUTATION OF GROSS RECEIPTS/SALE FROM SERVICE
NATURE OF SERVICE E - commerce
AVERAGE CUSTOMER/SERVICE 30 PER DAY
No of Working Days 150 300 300 300 300
Year 2025-26 2026-27 2027-28 2028-29 2029-30
Capacity Utilisation 65% 65% 70% 75% 80%
No of Customer Served per year 2925 5850 6300 6750 7200
Average Receipts per Customer
250 263 276 289 304
Computation of Gross Receipts
7,31,250 15,35,625 17,36,438 19,53,492 21,87,911
Raj Kumar
COMPUTATION OF WORKING CAPITAL REQUIREMENT
Particulars No of Days 2025-26 2026-27 2027-28 2028-29 2029-30
Consumable Stock (Days)
21 31,640 38,000 43,000 48,000 54,000
Debtors Period (Days)
33 1,61,000 1,69,000 1,91,000 2,15,000 2,41,000
WC for Expenses (Days)
11 26,000 28,000 32,000 35,000 39,000
Working Capital Requirement -
2,18,640 2,35,000 2,66,000 2,98,000 3,34,000
Less : Margin 10% 21,864 23,500 26,600 29,800 33,400
Working Capital Demand - 1,96,776 2,11,500 2,39,400 2,68,200 3,00,600
Raj Kumar
COMPUTATION OF DEPRECIATION
Equipments Furniture Misc Assets TOTAL
Description
15.00% 10.00% 10.00%
Rate of Depreciation
Addition 81,360 - - 81,360
Less : Depreciation 12,204 - - 12,204
WDV 2025-26
Less : Depreciation
WDV 2026-27 69,156 - - 69,156
Less : Depreciation 10,373 - - 10,373
WDV 2027-28
Less : Depreciation 58,783 - - 58,783
WDV 2028-29 -
8,817 - 8,817
Less : Depreciation
WDV 2029-30
Less : Depreciation WDV 2030-31 49,966 - - 49,966
7,495 - 7,495
-
42,471 - - 42,471
6,371 - 6,371
-
36,10030,685 -- - 30,685
-
36 ,100
5,415 - - 5,415
Raj Kumar
REPAYMENT SCHEDULE OF TERM LOAN
TERM LOAN
73,224.00
INTEREST Nil
TENURE 4 Years
Year No of EMI Amount Interest Pmt Principal Pmt Balance Loan
2025-2026 0 73,224 - - 73,224
2026-2027 12 73,224 - 20,921 52,303
2027-2028 12 52,303 - 20,921 31,382
2028-2029 12 31,382 - 20,921 10,461
2029-2030 6 10,461 - 10,461 - 0
42 73,224
Door to Door
48 Months
Moratorium 6 Months
Repayment 42 Months
Principal EMI 1,743
Raj kumar
CALCULATION OF D.S.C.R
PARTICULARS 2026-27 2027-28 2028-29 2029-30
CASH ACCRUALS 2,23,993 2,67,419 3,13,478 1,81,106
- - - -
2,23,993 2,67,419 3,13,478 1,81,106
Interest on Term Loan
Total
REPAYMENT
Instalment of Term Loan 20,921 20,921 20,921 10,461
Interest on Term Loan
Total
20,921 20,921 20,921 10,461
DEBT SERVICE COVERAGE RATIO
10.71 12.78 14.98 17.31
AVERAGE D.S.C.R. 13.47