PROJECT AT GLANCE

NAME OF PROJECT : M/S VINOD KUMAR

CONSTITUTION : Proprietorship Firm

NAME OF PROPRIETOR : Vinod Kumar

CATEGORY : OBC

DISTRICT : Gonda

MOBILE : 6307654277

EMAIL ID : spk16821@[Link]

LOCATION OF PROJECT : KASTURI PRSA MAHESI COLONELGANJ GONDA UTTAR PRADESH

TYPE OF PROJECT : Service Welding Services

EMPLOYMENT : 3

TERM LOAN : 3,34,530

WORKING CAPITAL LOAN : 1,02,970

COST OF PROJECT

PARTICULARS AMOUNT MARGIN FINANCE

12.5%
Machinery & Equipments 3,82,320 47,790 3,34,530
Furniture & Misc Assets - - -
Other Assets - - -
Working Capital Requirement 1,17,680 14,710 1,02,970

Total 5,00,000 62,500 4,37,500

MEANS OF FINANCE

PARTICULARS AMOUNT
Capital/Internal Accruals 62,500
Term Loan 3,34,530
Working Capital Loan 1,02,970

Total 5,00,000

CAPITAL SUBSIDY 10% OF COST 50,000 UNDER THE CM YUVA SCHEME

M/S VINOD KUMAR

PROJECTED CASH FLOW STATEMENT

PARTICULARS 2026-27 2027-28 2028-29 2029-30 2030-31

SOURCES OF FUND

Capital 62,500 - - - -
Reserve & Surplus 1,21,692 2,30,362 2,90,079 3,51,950 4,16,203
Depriciation & Exp. W/off 57,348 48,746 41,434 35,219 29,936
Increase in Cash Credit 1,02,970 - - - -
Increase In Term Loan (New) 3,34,530 - - - -
Increase In Subsidy 50,000
Increase in Creditors 10,400 520 1,428 1,544 1,667

TOTAL : 7,39,439 2,79,628 3,32,941 3,88,712 4,47,806

APPLICATION OF FUND

Increase in Fixed Assets 3,82,320 - - - -

Increase in Stock 37,000 2,000 5,000 6,000 6,000
Increase in Debtors 26,000 1,000 4,000 4,000 4,000
Repayment of Term Loan (New) 15,930 95,580 95,580 95,580 31,860
Increase in Subsidy (FD) 50,000 - - - -
Drawings 60,846 1,15,181 2,03,055 2,46,365 2,91,342

TOTAL : 5,72,096 2,13,761 3,07,635 3,51,945 3,33,202

Opening Cash & Bank Balance - 1,67,344 2,33,211 2,58,517 2,95,284

Add : Surplus 1,67,344 65,867 25,306 36,768 1,14,604

Closing Cash & Bank Balance 1,67,344 2,33,211 2,58,517 2,95,284 4,09,888
M/S VINOD KUMAR

PROJECTED BALANCE SHEET

PARTICULARS 2026-27 2027-28 2028-29 2029-30 2030-31

SOURCES OF FUND

Capital Account - 1,23,346 2,38,527 3,25,551 4,31,136

Add: Addition 62,500 - - -
Add : Net Profit 1,21,692 2,30,362 2,90,079 3,51,950 4,16,203
1,84,192 3,53,708 5,28,606 6,77,501 8,47,339
Less : Drawings 60,846 1,15,181 2,03,055 2,46,365 2,91,342
1,23,346 2,38,527 3,25,551 4,31,136 5,55,997
Capital Subsidy 50,000 50,000 50,000 50,000 50,000
Term Loan 3,18,600 2,23,020 1,27,440 31,860 -
Cash Credit 1,02,970 1,02,970 1,02,970 1,02,970 1,02,970
Expenses Payable 10,400 10,920 12,348 13,892 15,558

TOTAL : 6,05,315 6,25,437 6,18,308 6,29,857 7,24,525

APPLICATION OF FUND

Fixed Assets 3,82,320 3,82,320 3,82,320 3,82,320 3,82,320

Less : Depreciation 57,348 1,06,094 1,47,528 1,82,747 2,12,683
Net Fixed Assets 3,24,972 2,76,226 2,34,792 1,99,573 1,69,637

Current Assets
Sundry Debtors 26,000 27,000 31,000 35,000 39,000
Stock in Hand 37,000 39,000 44,000 50,000 56,000
Cash and Bank 1,67,344 2,33,211 2,58,517 2,95,284 4,09,888
Subsidy (Fixed Deposit) 50,000 50,000 50,000 50,000 50,000

TOTAL : 6,05,315 6,25,437 6,18,308 6,29,857 7,24,525

- - - - - 0

Current Ratio 2.03 2.63 2.89 3.25 4.26

TOL/TNW 3.50 1.41 0.75 0.34 0.21

M/S VINOD KUMAR

PROJECTED PROFITABILITY STATEMENT

PARTICULARS 2026-27 2027-28 2028-29 2029-30 2030-31

A) SALES
Gross Receipts/Sale 10,40,000 16,38,000 18,52,200 20,83,725 23,33,772

Total (A) 10,40,000 16,38,000 18,52,200 20,83,725 23,33,772

B) COST OF SALES/SERVICE

Purchase /Consumables 4,16,000 6,55,200 7,40,880 8,33,490 9,33,509

Elecricity Expenses 38,400 63,360 69,696 76,666 84,332
Labour & Wages 2,88,000 4,53,600 4,98,960 5,48,856 6,03,742
Other Overheads 24,960 39,312 44,453 50,009 56,011

Cost of Sales/Service (B) 7,67,360 12,11,472 13,53,989 15,09,021 16,77,593

C) GROSS PROFIT (A-B) 2,72,640 4,26,528 4,98,211 5,74,704 6,56,179

D) Selling Expenses 52,000 81,900 92,610 1,04,186 1,16,689

E) Administrative Expenses 41,600 65,520 74,088 83,349 93,351
F) Depriciation 57,348 48,746 41,434 35,219 29,936
TOTAL (D+F) 1,50,948 1,96,166 2,08,132 2,22,754 2,39,975

G) NET PROFIT 1,21,692 2,30,362 2,90,079 3,51,950 4,16,203

Profit Ratio 12% 14% 16% 17% 18%
M/S VINOD KUMAR

COMPUTATION OF GROSS RECEIPTS/SALE FROM SERVICE

NATURE OF SERVICE Welding Services

AVERAGE CUSTOMER/SERVICE 40 PER DAY

No of Working Days 200 300 300 300 300

Year 2026-27 2027-28 2028-29 2029-30 2030-31

Capacity Utilisation 65% 65% 70% 75% 80%

No of Customer Served per year 5200 7800 8400 9000 9600

Average Receipts per Customer 200 210 221 232 243

Computation of Gross Receipts 10,40,000 16,38,000 18,52,200 20,83,725 23,33,772

M/S VINOD KUMAR

COMPUTATION OF WORKING CAPITAL REQUIREMENT

Particulars No of Days 2026-27 2027-28 2028-29 2029-30 2030-31

Consumable Stock (Days) 18 37,000 39,000 44,000 50,000 56,000
Debtors Period (Days) 5 26,000 27,000 31,000 35,000 39,000
WC for Expenses (Days) 24 53,000 56,000 62,000 69,000 76,000
Working Capital Requirement - 1,17,680 1,22,000 1,37,000 1,54,000 1,71,000
Less : Margin 12.5% 14,710 15,000 17,000 19,000 21,000
Working Capital Demand - 1,02,970 1,07,000 1,20,000 1,35,000 1,50,000
M/S VINOD KUMAR

COMPUTATION OF DEPRECIATION

Equipments Furniture Misc Assets TOTAL

Description

Rate of Depreciation 15.00% 10.00% 10.00%

Addition 3,82,320 - - 3,82,320

Less : Depreciation 57,348 - - 57,348
WDV 2026-27 3,24,972 - - 3,24,972
Less : Depreciation 48,746 - - 48,746
WDV 2027-28 2,76,226 - - 2,76,226
Less : Depreciation 41,434 - - 41,434
WDV 2028-29 2,34,792 - - 2,34,792
Less : Depreciation 35,219 - - 35,219
WDV 2029-30 1,99,573 - - 1,99,573
Less : Depreciation 29,936 - - 29,936
WDV 2030-31 1,69,637 - - 1,69,637
Less : Depreciation 25,446 - - 25,446
WDV 2031-32 1,44,191 - - 1,44,191
M/S VINOD KUMAR

REPAYMENT SCHEDULE OF TERM LOAN

TERM LOAN 3,34,529.50

INTEREST Nil

TENURE 4 Years

Year No of EMI Amount Interest Pmt Principal Pmt Balance Loan

2026-2027 2 3,34,530 - 15,930 3,18,600

2027-2028 12 3,18,600 - 95,580 2,23,020

2028-2029 12 2,23,020 - 95,580 1,27,440

2029-2030 12 1,27,440 - 95,580 31,860

2030-2031 4 31,860 - 31,860 - 0

42 3,34,530

Door to Door 48 Months

Moratorium 6 Months
Repayment 42 Months
Principal EMI 7,965
M/S VINOD KUMAR

CALCULATION OF D.S.C.R

PARTICULARS 2026-27 2027-28 2028-29 2029-30 2030-31

CASH ACCRUALS 29,840 2,79,108 3,31,513 3,87,169 1,48,713

Interest on Term Loan - - - - -

Total 29,840 2,79,108 3,31,513 3,87,169 1,48,713

REPAYMENT
Instalment of Term Loan 15,930 95,580 95,580 95,580 31,860
Interest on Term Loan

Total 15,930 95,580 95,580 95,580 31,860

DEBT SERVICE COVERAGE RATIO 1.87 2.92 3.47 4.05 4.67

AVERAGE D.S.C.R. 3.52