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Chapter - 1

INTRODUCTION

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INTRODUCTION

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OBJECTIVES OF THE STUDY

1. To know and understand the loan procedure at The muslim co-operative
bank
2. To study the criteria for availing the loan.
3. To study the various interest rates provided by the bank.
4. To know the procedures followed by the banks in making a project report
and criterions for sanctioning of the loan.
5. To study the sanction amount of the loan.
6. To get experience of the actual loan acquiring process in the banking world
7. To know about the documents required for acquiring the loan.

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SCOPE OF THE STUDY

1. The study has a scope to do market research so as to enterprise the venture.
2. The study provides information regarding locations, the sales and service of
the restaurant.
3. The project helps to know the different financial statements and their
analysis
4. To be competitive and successful in modern corporate world, constant
capital flow is essential. Whether to expand your business or to relocate your
production unit to some other place for cost effectiveness, you require
finance. Its not always possible to fund them through interest sources. A
delay of a few days can cost you in millions.
5..The study provides information regarding documentation, paperwork and
other important factors involved in getting term loan.

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Limitations

1. Error can be to projections done due.

Error can be done while preparing projected balance sheet and

other statements and also when calculations & projections are
done on it.

2. Perfection is impossible.

Perfection is impossible because it is not possible that the firm

can get desired projections or the projections made in projected
statements. The original profit and other expenses, gains &
losses are higher or lower than that of projected projections.
The proposed plant is a new enterprise. So, there is no
previous year balance sheet & other statements.

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Vision
In the future the restaurant will provide home delivery services to the
customers.
After repayment of term loan the firm will come up with additional capital
for better services.
After a specific period of time the firm will come up with the different
branches in different areas in pune.
The firm will provide quick services for our valuable customers efficiently.

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Chapter - 2

COMPANY PROFILE

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Company profile

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ABOUT THE COMPANY

INTRODUCTION:
This study is prepared to be used as a guide to identify content and context of
budget in hotel. It is designed as a source to build between managements targets
and use of budget as a strong to achieve those targets.
Starting a new business can be both exciting and frightening. There are many
partial things to consider location, size employees, quality control etc.
Snack bar is a well-known restaurant in NIBM, kondhwa. Snack bar was
established in year 2010 providing all types of snacks or light food to all types of
people.
ESTABLISHMENT:
Te snack bar was establisheds in 2009 and started its operation on 1 st January. Yhe
main ranch of the snack bar is in kondhwa NIBM.

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STAFF OF THE COMPANY:

The organizational structure of snack bar is as follows:

o
c
M
w
o
a
n
o
n
e
k
a
rg
e
r
SUPPLIER:
1)
2)
3)
4)
5)

flour and rise supplier

chicken and meat supplier
egg supplier
dairy product supplier
bakery product supplier etc.

CUSTOMER:
All the residence there on NIBM Road, hostelries, students etc are our customers.

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CHAPTER 3
RESEARCH & METHODOLOGY

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RESEARCH METHODOLOGY
Research refers to a careful and exhaustive investigation of given phenomenon
with definite objective of attaining or enhancing one knowledge level
Research is the systematic and objective analysis and recording of controlled
observation that may lead to development of generalisation principles or theories
resulting in predication and perhaps ultimate control of events
Research is a method of studying analysing and conceptualisation social life in
order to extent modify correct or verify knowledge whether that knowledge aids in
construction of theory or in practice of an art.
Research is the process which includes defining and refining problems,
formulating hypothesis or suggested solutions;

collecting, organizing and

evaluating data; making deductions and reaching conclusions, and at last, carefully
testing the conclusion to determine whether they fit the formulating hypothesis.

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DATA SOURCES
S
D
P
A
R
E
T
I
C
A
M
O
N
A
S
R
D
O
Y
A
U
R
R
D
Y
C
A
D
E
T
S
A
T
A

Primary data:
The information for this project has been collected through primary and secondary
sources.
In primary data collection, the information and data has been collected through
questions raised to the bank personnel during the visit followed by asking question
from the bank staff regarding procedure for giving business loan and enhancing
knowledge about the repayment procedure.

Secondary data:
The secondary data were collected from the brochure of the bank, the boards with
the information displayed in the bank premises and, from the bank website.

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Loan proposal
Detailed report (based on the potential borrowers, loan application and credit
worthiness), presented usually by a banks officer (with his or her comments) to a
senior loan officer or the banks loan committee.
How to make a loan proposal
Step-1
Submit a cover letter with your proposal. This should be a brief introduction to
your company, the size of the loan requested and the purpose of the loan.
Step-2
Begin your proposal with general information, including the company name and
address, names and social security number of the principals, the purpose of the
loan, the exact amount of money needed and detailed plants for what will be done
with money.
Step-3
Describe your business in detail. Include information on prior and projected
performance, unique aspects of your business and the legal and ownership
structures.
Step-4
Provide complete market information. Identify your competition and explain how
your business stacks up. Submit details on your current customer base.

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Step-5
Prepare management profiles for all owners and key employees. Highlight their
education, past accomplishments and qualifications.
Step-6
Submit complete information concerning your last 5years of operation. If you just
starting out, provide projected balance sheets and income statements. Also include
personal financial statements from all the owners and information on any collateral
that will be placed as security for the loan.
Step-7
Proofread the document, double checking spelling, grammar and the facts
contained in the proposal.
Step-8
Submit your proposal with each copy of the loan package youre required to return.
Remember to keep a copy for yourself.

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DOCUMENTS REQUIRED FOR BUSINESS PROPOSAL

Submit shop act license.

Submit 3 years estimated balance sheet.
3 years income tax challan.
Submit KYC (Know your Customer) documents- ration card, Election card,

photo, Pan Card, light bill.

Submit property guarantee ( house valuation, tax receipt)

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Eligibility criteria for business loan

Person must be a shareholder of the bank.
Person must be 18 years of age.
Person must have creative ideas in their mind.

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Chapter 4

Financial statement analysis and interpretation

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INVESTMENT COST OF THE PROJECT

Serial

Particular

A)

Equipment cost
1) urn and pots
2) mixture
3) microwave
4) fridge
5) water purifier
6) wash basin
7) gas
8) other equipment

Amount

Amount

50000
3000
8000
51000
5000
2000
4000
27000
150000

B)

Working capital

C)

Furniture cost
1) chair
2) table
3) counter table
4) chair for counter
5) rack
6) kitchen table
7) other furniture

232500

32000
40000
10000
1500
5000
4000
35000
127500

D)

Electricity and fitting

41000

E)

Computer and printer

27000

F)

Registration fees

5000

G)

Deposit

100000

Total cost of the project

683000

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Financial details of the project

Serial

Particular

Amount

Bank finance (70%)

478000

Own contribution (30%)

205000

Total cost of the project

683000

Financial details
Bank Loan

Own Capita

30%

70%

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Statement showing revenue from projected period

Particular

Year 1

Year 2

Year 3

Year 4

Year 5

Revenue from tea

(as per schedule 1)
Revenue
from
coffee
(as per schedule 2)
Revenue from bun
butter
(as per schedule 3)
Revenue
from
omelets and burji
(as per schedule 4)
Revenue
from
samosa
(as per schedule 5)
Revenue
from
cream roal
(as per schedule 6)
Revenue from cold
drinks
(as per schedule 7)
Revenue
from
water
(as per schedule 8)
Revenue from pav
(as per schedule 9)
Total revenue

900000

1080000

1386000

1584000

1944000

270000

405000

576000

691200

795600

540000

648000

806400

864000

979200

612000

765000

972000

1105200

1368000

189000

252000

315000

403200

432000

64800

86400

126000

151200

201600

275400

396000

540000

673920

764640

54000

72000

99000

118800

129600

144000

180000

216000

244800

288000

3049200

3884400

5036400

5836320

6902640

Statement A

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Revenue
8000000
7000000
6000000
5000000
4000000
3000000
2000000
1000000
0

year 1

year 2

year 3
Revenue

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year 4

year 5

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Statement B
Total amount of expenditure from projected period
Year 1
Year 2
Year 3
Year 4

Particular

Year 5

Electricity expenses

48000

54000

56400

60000

65000

Cooks salary

180000

198000

217600

255024

300936

Waiters salary

378000

415800

465696

535416

631848

Cleaners salary

72000

79200

88704

102000

120360

Stationary expenses

6000

9600

12000

14400

16800

Rent

240000

264000

290400

319200

348000

Maintenance
expenses

12000

14400

18000

21600

24000

Transport expenses

40000

50000

60000

70000

80000

3000000

34000000

3800000

4212960

4777640

5386944

Raw
expenses

material 1814000 2300000

Total amount
expenses

of 2790000 3385000

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Expenses
Expences
6000000

5386944
4777640

5000000
4212960
4000000
3000000

3385000
2790000

2000000
1000000
0
year 1

year 2

year 3

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year 4

year 5

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Schedule 1:
Revenue from tea:
Initially customer is less so only 250 tea are sold and 1 tea is costing Rs 10
1styear: 250x10=2500x30=75000x12=900000
2nd year: 300x10=3000x30=90000x12=1080000
3rd year: 350x11=3850x30=115500x12=1386000
4th year: 400x11=4400x30=132000x12=1584000
5th year: 450x12=5400x30=162000x12=1944000
Schedule 2:
Revenue from coffee
1st year: 50x15=750x30=22500x12=270000
2nd year: 75x15=1125x30=33750x12=405000
3rd year: 100x16=1600x30=48000x12=576000
4th year: 120x16=1920x30=57600x12=691200
5th year: 130x17=2210x30=66300x12=795600
Scedule3:
Revenue from bun butter:
1st year: 100x15=1500x30=45000x12=540000
2nd year: 120x15=18000x30=54000x12=648000
3rd year: 140x16=2240x30=67200x12=806400
4th year: 150x16=2400x30=72000x12=864000
5th year: 160x17=2720x30=81600x12=979200

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Schedule 4:
Revenue from omelets and Burji:
1st year:100 omelet and Burji will sold out and 1 omelet is cost 15 and 1 Burji
will cost 20 [Link] in first year 60 omelet sold out and 40 Burji will sold out
therefore first years revenue is 612000
2nd year: 765000
3rd year: 972000
4th year: 1105200
5th year: 1368000
Schedule 5:
Revenue from Samosa
1st year: 75x7=525x30=15750x12=189000
2nd year: 100x7=700x30=21000x12=252000
3rd year: 125x7=875x30=26250x12=315000
4th year: 140x8=1120x30=33600x12=403200
5th year: 150x8=1200x30=36000x12=432000
Schedule 6:
Revenue from cream roll:
1st year: 6x30=180x30=5400x12=64800
2nd year: 6x40=240x30=7200x12=86400
3rd year: 7x50=350x30=10500x12=126000
4th year: 7x60=420x30=12600x12=151200
5th year: 8x70=560x30=16800x12=201600

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Schedule 7:
Revenue from cold drinks:
Initially cold drinks is sold less so it will sold only 55 cold drinks of various
bottle like 1 ltr,200ml.,300ml.
1st year: 275400
2nd year: 396000
3rd year: 540000
4th year: 673920
5th year: 764640
Schedule 8:
Revenue from water:
1st year: 10x15=150x30=4500x12=54000
2nd year: 10x20=200x30=6000x12=72000
3rd year: 11x25=275x30=8250x12=99000
4th year: 11x30=330x30=9900x12=118800
5th year: 12x30=360x30=10800x12=129600
Schedule 9:
Revenue from PavBhaji:
1st year: 200x2=400x30=1200x12=144000
2nd year: 250x2=500x30=15000x12=180000
3rd year: 300x2=600x30=18000x12=216000
4th year: 340x2=680x30=20400x12=244800
5th year: 400x2=800x30=24000x12=288000

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Schedule 10:
Wages and Salary
Mangers salary:20000x12=240000
Casher salary: 10000x 12= 120000
Cooks salary: 5000x2x12=120000
Waiters salary: 3500x3x12=126000
Cleaners salary: 2000x12=24000
Growth rate of employees
Year

Growth rate of employees

2
3
4
5

10%
12%
15%
18%

Rent of snack corner will be 200000 and increase 10% each year
20000x12=240000
Working capital for 1 month
[Link].
1

2
3
4
5
6
7

Particular
Wages and salary
Manager
Casher
Waiter
Cook
Cleaner
Raw material
Stationary
Electricity
Rent
Maintenance
Transportation
Total

No.

Rate

Amount

1
1
3
2
1

20000
10000
3500
4000
2000

20000
10000
10500
8000
2000
151167
500
4000
20000
1000
3333
230500

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EMI CALCULATION

Loan amount: 478000

Period: 5 years (60 months)
Rate of interest: 14%

EMI= P x r x (1 + r) ^n / ((1+r) ^n -1)

Here p = principal amount (loan taken)
r = interest rate per month (ex: if interest rate per annum is 14% then 14/
(12*100))
n= tenure in months

EMI= 478000 x 0.01167 x (1 + r) ^n / ((1+r) ^n -1)

EMI= 5578.26 x (1 + 0.01167) ^60 / ((1+0.01167) ^60 -1)

EMI=11122

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Calculation of interest and installment of bank loan

1st year
M0nth

0pening
balance

Emi

Interest

Principal

Balance

478000

11,122

5,577

5,546

472,454

472454

11,122

5,512

5,610

466,844

466844

11,122

5,447

5,676

461,168

461168

11,122

5,380

5,742

455,427

455427

11,122

5,313

5,809

449,618

449618

11,122

5,246

5,877

443,741

443741

11,122

5,177

5,945

437,796

437796

11,122

5,108

6,015

431,781

431781

11,122

5,037

6,085

425,696

10

425696

11,122

4,966

6,156

419,541

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11

419541

11,122

4,895

6,228

413,313

12

413313

11,122

4,822

6,300

407,013

133464

62480

70989

TOTAL

407013

11,122

4,748

6,374

400,639

400639

11,122

4,674

6,448

394,191

394191

11,122

4,599

6,523

387,668

387668

11,122

4,523

6,599

381,068

381068

11,122

4,446

6,676

374,392

374392

11,122

4,368

6,754

367,637

367637

11,122

4,289

6,833

360,804

360804

11,122

4,209

6,913

353,891

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353891

11,122

4,129

6,993

346,898

10

346898

11,122

4,047

7,075

339,823

11

339823

11,122

3,965

7,158

332,665

12

332665

11,122

3,881

7,241

325,424

133464

51878

81587

TOTAL

Calculation of interest and installment of bank loan

2nd Year
Calculation of interest and installment of bank loan
1

325424

11122

3797

7,326

318,098

318098

11,122

3,711

7,411

310,687

310687

11,122

3,625

7,498

303,190

303190

11,122

3,537

7,585

295,605

295605

11,122

3,449

7,674

287,931

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287931

11,122

3,359

7,763

280,168

280168

11,122

3,269

7,854

272,315

272315

11,122

3,177

7,945

264,370

264370

11,122

3,084

8,038

256,332

10

256332

11,122

2,991

8,132

248,200

11

248200

11,122

2,896

8,227

239,973

12

239973

11,122

2,800

8,323

231,651

133464

39695

93776

TOTAL

3rd Year

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231651

11,122

2,703

8,420

223,231

223231

11,122

2,604

8,518

214,713

214713

11,122

2,505

8,617

206,096

206096

11,122

2,404

8,718

197,378

197378

11,122

2,303

8,819

188,559

188559

11,122

2,200

8,922

179,636

179636

11,122

2,096

9,026

170,610

170610

11,122

1,990

9,132

161,478

161478

11,122

1,884

9,238

152,240

10

152240

11,122

1,776

9,346

142,894

11

142894

11,122

1,667

9,455

133,439

12

133439

11,122

1,557

9,565

123,873

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TOTAL

133464

25689

107776

Calculation of interest and installment of bank loan

4th Year

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123873

11,122

1,445

9,677

114,196

114196

11,122

1,332

9,790

104,406

104406

11,122

1,218

9,904

94,502

94502

11,122

1,103

10,020

84,482

84482

11,122

986

10,137

74,346

74346

11,122

867

10,255

64,091

64091

11,122

748

10,374

53,717

53717

11,122

627

10,496

43,221

43221

11,122

504

10,618

32,603

10

32603

11,122

380

10,742

21,861

11

21861

11,122

255

10,867

10,994

12

10994

11,122

128

10,994

TOTAL

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| 38
133464

123874

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Calculation of interest and installment of bank loan

5th Year

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Schedule For Depreciation

Statement D:
Calculation of depreciation of assets
Depreciation on equipment

Year

Opening balance

Rate

Depreciation

Closing balance

150000

10%

15000

135000

135000

10%

13500

121500

121500

10%

12150

109350

109350

10%

10935

98415

98415

10%

9842

88573

Depreciation on furniture

Year

Opening balance

Rate

Depreciation

Closing balance

127500

10%

12750

114750

114750

10%

11475

103275

103275

10%

10328

92947

92947

10%

9295

83652

83652

10%

8365

75287

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Depreciation on electricity, lighting and fitting

Year

Opening balance

Rate

Depreciation

Closing balance

41000

10%

4100

36900

36900

10%

3690

33210

33210

10%

3321

29889

29889

10%

2989

26900

26900

10%

2690

24210

Depreciation on computer and printer

Year

Opening balance

Rate

Depreciation

Closing balance

27000

50%

13500

13500

13500

50%

6750

6750

6750

50%

3375

3375

3375

50%

1688

1687

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STATEMENT OF SURPLUS/DEFICIT FOR THE

PROJECTED PERIOD
Particular

Year 1

Year 2

Year 3

Year 4

Year 5

Revenue from project 30449200 3884400 5036400

5836320

6902640

Less:

4777640

5386944

expense

of

2790000 3385000 4212960

project
PBIT

and

259200

499400

823440

1058680

1515696

Less: Interest

62480

51878

39695

25689

9593

Less: depreciation

45350

35415

29173

24907

21741

Less: registration

1000

1000

1000

1000

1000

Profit before tax

160520

419705

760384

1011845

1483362

Less: tax (30%)

45111

123332

226072

302125

445009

105259

287775

527500

704959

1038353

depreciation

Net profit

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Net Profit
year 1

year 2

year 3

4%

year 4

11%

39%
20%

26%

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year 5

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Cash flow statement for the projected period

Particular

Year 1

Year 2

Year 3

Year 4

Year 5

Opening balance

313125

555729

1019633

1642724

Revenue

3049200

3884400

5036400

5836320

6902640

Own capital

205000

Bank loan

478000

Total

3732200

4197525

5592129

6855953

8545364

Cash inflow

Cash outflow
Fixed assets

345500

Installment

133464

133464

133464

133464

133464

Tax paid

45111

123332

226072

302125

445009

Working capital

2790000

3385000

4212960

4777640

5386944

Registration

5000

Deposit

100000

Total

3419080

3641797

45725003

5213230

5965416

Closing balance

313125

555729

1019633

1642724

2579948

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year 1

year 2

year 3

year 4

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year 5

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Balance sheet for the projected period

Particular

Year 1

Year 2

Year 3

Year 4

Year 5

Liabilities
Own capital

205000

205000

205000

205000

205000

Bank loan

407016

325429

231653

123874

Net profit

105259

393034

920534 1625493

2663846

Total

717275

923463

1357187 1954367

2868846

300150

264734

Cash in hand

313125

555729

Deposit

100000

100000

100000

100000

100000

4000

3000

2000

1000

717275

923463

1357187 1954367

2868846

Assets
Fixed assets

235554

210643

188898

1019633 1642724

2579948

Current assets

Miscellaneous
expenses
Preliminary
expenses
Total

P a g e | 46

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CALCULATION OF RATIO ANALYSIS

Gross profit ratio

Gross profit= Gross Profit/Net Sale x 100

Particular
Gross profit
Sales
Gross
profit
ratio

1st year
605200
3049200
19.8%

2nd year
891400
3884400
22.94%

3rd year
1260240
5036400
25%

4th year
1543880
5836320
26.4%

5th year
2049496
6902640
29.6%

Chart Title
8000000
7000000
6000000
5000000
4000000
3000000
2000000
1000000
0

year 1

year 2

year 3

gross profit

sales

P a g e | 47

year 4

year 5

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Net profit ratio

Net profit= Net Profit/ Net Sales x 100

Particular
Net profit
Sales
Net profit ratio

Year 1
105259
3049200
3.45%

Year 2
287775
3884400
7.40%

Year 3
527500
5036400
10.47%

Year 4
704959
5836320
12.07%

Year 5
1038353
6902640
15.04%

Chart Title
8000000
7000000
6000000
5000000
4000000
3000000
2000000
1000000
0

year 1

year 2

year 3

net profit

sales

P a g e | 48

year 4

year 5

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Fixed assets to current assets ratio

Fixed assets / Current Assets

Particular
Fixed assets
Current assets
Ratio

Year 1
300150
413125
0.72

Year 2
264734
655729
0.40

Year 3
235554
1119633
0.21

Year 4
210643
1742724
0.12

Year 5
188898
2679948
0.07

Chart Title
3000000
2500000
2000000
1500000
1000000
500000
0

year 1

year 2

year 3

fixed assets

current assets

P a g e | 49

year 4

year 5

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Debt to equity ratio

Debt / Equity

Particular
Debt
Equity
Ratio

Year 1
407016
205000
1.98

Year 2
325429
205000
1.58

Year 3
231653
205000
1.129

Year 4
123874
205000
0.604

Year 5
0
205000

Chart Title
450000
400000
350000
300000
250000
200000
150000
100000
50000
0

year 1

year 2

year 3
debt

equity

P a g e | 50

year 4

year 5

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Proprietary ratio

Owners Fund / Total Assets

Particular
Total assets
Owners fund
Proprietary ratio

Year 1
717275
205000
3.49

Year 2
923463
205000
4.50

Year 3
1357187
205000
6.62

Year 4
1954367
205000
9.53

Year 5
2868846
205000
13.99

Chart Title
3500000
3000000
2500000
2000000
1500000
1000000
500000
0

year 1

year 2

year 3

total assets

owner's fund

P a g e | 51

year 4

year 5

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Return on total assets

Net Profit / Total Assets x 100

Particular
Net profit
Total assets
Return on total
assets ratio

Year 1
105259
717275
0.14

Year 2
393034
923463
0.42

Year 3
920534
1357187
0.67

Year 4
1625493
1954367
0.83

Year 5
2663846
2868846
0.92

Chart Title
3500000
3000000
2500000
2000000
1500000
1000000
500000
0

year 1

year 2

year 3

net profit

total assets

P a g e | 52

year 4

year 5

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Fixed assets turnover ratio

Net Sales / Fixed Assets

Particular
Net sales
Fixed assets

Year 1
3049200
300150

Year 2
3884400
264734

Year 3
5036400
235554

Year 4
5836320
210643

Year 5
6902640
188898

Ratio

10.15

14.672

21.38

27.70

36.54

Chart Title
8000000
7000000
6000000
5000000
4000000
3000000
2000000
1000000
0

year 1

year 2

year 3

net sales

fixed assets

P a g e | 53

year 4

year 5

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Current assets turnover ratio

Net sales / Current Assets

Particular
Sales
Current assets
Ratio

Year 1
3049200
413125
7.38

Year 2
3884400
655729
5.92

Year 3
5036400
1119633
4.49

Year 4
5836320
1742710
3.34

Year 5
6902640
2679948
2.57

Chart Title
8000000
7000000
6000000
5000000
4000000
3000000
2000000
1000000
0

year 1

year 2

year 3

sales

current assets

P a g e | 54

year 4

year 5

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Total assets turnover ratio

Net Sales / Total Assets

Particular
Sales
Total assets
Ratio

Year 1
3049200
717275
4.25

Year 2
3884400
923463
4.20

Year 3
5036400
1357187
3.71

Year 4
5836320
1954367
2.98

Year 5
6902640
2868846
2.40

total assets turnover

8000000
7000000
6000000
5000000
4000000
3000000
2000000
1000000
0

year 1

year 2

year 3

sales

total assets

P a g e | 55

year 4

year 5

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Chapter 5
Conclusion
CONCLUSION
SUGGESTION
BIBIOGRAPHY

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Conclusion

The nature of any business depends on customers requirements, population

and life style of that specific area.
The expected return on investments of such type of business should not be
unrealistic.
Punes population provides good scope for business opportunity in
restaurant type of business.
There is tough competition ahead for the restaurant business from its major
competitors in terms of number.
Information which was required for revenue, expenses of restaurant was
successfully collected.

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SUGGESTION

The Restaurant should perform their activities according to preplanning

Successful Restaurant should provide better Foods with better
service and friendly atmosphere.

P a g e | 58

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Bibliography

Referred books

Financial management by [Link]

Financial management by [Link]
Financial management by [Link] and Jain
Websites

[Link]
[Link]
[Link]
[Link]

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