PROJECT AT GLANCE
NAME OF PROJECT : SUPARBHAT PANDEY
CONSTITUTION : Proprietorship Firm
NAME OF PROPRIETOR : SUPARBHAT PANDEY
CATEGORY : General
DISTRICT : Saharanpur
MOBILE : 9997895978
EMAIL ID : suprabhatpandey007@[Link]
LOCATION OF PROJECT : Saharanpur
TYPE OF PROJECT : Service Electrical & Electronic Goods Repair
EMPLOYMENT : 3
TERM LOAN : 1,70,000 _
WORKING CAPITAL LOAN : 2,55,000
COST OF PROJECT
PARTICULARS AMOUNT MARGIN FINANCE
15%
Machinery & Equipments 2,00,000 30,000 1,70,000
Furniture & Misc Assets - - -
Other Assets - - -
Working Capital Requirement 3,00,000 45,000 2,55,000
Total 5,00,000 75,000 4,25,000
MEANS OF FINANCE
PARTICULARS AMOUNT
Capital/Internal Accruals 75,000
Term Loan 1,70,000
Working Capital Loan 2,55,000
Total 5,00,000 _
CAPITAL SUBSIDY 10% OF COST 50,000 UNDER THE CM YUVA SCHEME
SUPARBHAT PANDEY
PROJECTED CASH FLOW STATEMENT
PARTICULARS 2025-26 2026-27 2027-28 2028-29 2029-30
SOURCES OF FUND
Capital 75,000 - - - -
Reserve & Surplus 1,86,338 4,93,429 5,85,340 6,82,545 7,85,334
Depriciation & Exp. W/off 30,000 25,500 21,675 18,424 15,660
Increase in Cash Credit 2,55,000 - - - -
Increase In Term Loan (New) 1,70,000 - - - -
Increase In Subsidy 50,000
Increase in Creditors 15,438 772 2,120 2,291 2,474
TOTAL : 7,81,775 5,19,701 6,09,135 7,03,261 8,03,468
APPLICATION OF FUND
Increase in Fixed Assets 2,00,000 - - - -
Increase in Stock 84,000 98,000 23,000 26,000 28,000
Increase in Debtors - - - - -
Repayment of Term Loan (New) 4,048 48,571 48,571 48,571 -
Increase in Subsidy (FD) 50,000 - - - -
Drawings 1,30,436 3,45,400 4,09,738 4,77,782 5,49,734
TOTAL : 4,68,484 4,91,972 4,81,310 5,52,353 5,77,734
Opening Cash & Bank Balance - 3,13,291 3,41,020 4,68,845 6,19,753
Add : Surplus 3,13,291 27,729 1,27,825 1,50,907 2,25,735
Closing Cash & Bank Balance 3,13,291 3,41,020 4,68,845 6,19,753 8,45,487
SUPARBHAT PANDEY
PROJECTED BALANCE SHEET
PARTICULARS 2025-26 2026-27 2027-28 2028-29 2029-30
SOURCES OF FUND
Capital Account - 1,30,901 2,78,930 4,54,532 6,59,296
Add: Addition 75,000 - - -
Add : Net Profit 1,86,338 4,93,429 5,85,340 6,82,545 7,85,334
2,61,338 6,24,330 8,64,270 11,37,077 14,44,629
Less : Drawings 1,30,436 3,45,400 4,09,738 4,77,782 5,49,734
1,30,901 2,78,930 4,54,532 6,59,296 8,94,896
Capital Subsidy 50,000 50,000 50,000 50,000 50,000
Term Loan 1,65,952 1,17,381 68,810 20,238 -
Cash Credit 2,55,000 2,55,000 2,55,000 2,55,000 2,55,000
Expenses Payable 15,438 16,209 18,329 20,620 23,095
TOTAL : 6,17,291 7,17,520 8,46,670 10,05,154 12,22,990
APPLICATION OF FUND
Fixed Assets 2,00,000 2,00,000 2,00,000 2,00,000 2,00,000
Less : Depreciation 30,000 55,500 77,175 95,599 1,11,259
Net Fixed Assets 1,70,000 1,44,500 1,22,825 1,04,401 88,741
Current Assets
Sundry Debtors - - - - -
Stock in Hand 84,000 1,82,000 2,05,000 2,31,000 2,59,000
Cash and Bank 3,13,291 3,41,020 4,68,845 6,19,753 8,45,487
Subsidy (Fixed Deposit) 50,000 50,000 50,000 50,000 50,000
TOTAL : 6,17,291 7,17,520 8,46,670 10,05,154 12,43,228
- - - - 20,238
Current Ratio 1.47 1.93 2.47 3.09 3.97
TOL/TNW 3.33 1.39 0.75 0.45 0.31
SUPARBHAT PANDEY
PROJECTED PROFITABILITY STATEMENT
PARTICULARS 2025-26 2026-27 2027-28 2028-29 2029-30
A) SALES
Gross Receipts/Sale 12,18,750 25,59,375 28,94,063 32,55,820 36,46,519
Total (A) 12,18,750 25,59,375 28,94,063 32,55,820 36,46,519
B) COST OF SALES/SERVICE
Purchase /Consumables 4,63,125 9,72,563 10,99,744 12,37,212 13,85,677
Elecricity Expenses 28,800 63,360 69,696 76,666 84,332
Labour & Wages 3,15,000 5,94,000 6,53,400 7,18,740 7,90,614
Other Overheads 37,050 77,805 87,980 98,977 1,10,854
Cost of Sales/Service (B) 8,43,975 17,07,728 19,10,819 21,31,594 23,71,477
C) GROSS PROFIT (A-B) 3,74,775 8,51,648 9,83,243 11,24,226 12,75,041
D) Selling Expenses 85,313 1,79,156 2,02,584 2,27,907 2,55,256
E) Administrative Expenses 73,125 1,53,563 1,73,644 1,95,349 2,18,791
F) Depriciation 30,000 25,500 21,675 18,424 15,660
TOTAL (D+F) 1,88,438 3,58,219 3,97,903 4,41,681 4,89,707
G) NET PROFIT 1,86,338 4,93,429 5,85,340 6,82,545 7,85,334
Profit Ratio 15% 19% 20% 21% 22%
SUPARBHAT PANDEY
COMPUTATION OF GROSS RECEIPTS/SALE FROM SERVICE
NATURE OF SERVICE Electrical & Electronic Goods Repair
AVERAGE CUSTOMER/SERVICE 50 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 4875 9750 10500 11250 12000
Average Receipts per Customer 250 263 276 289 304
Computation of Gross Receipts 12,18,750 25,59,375 28,94,063 32,55,820 36,46,519
SUPARBHAT PANDEY
COMPUTATION OF WORKING CAPITAL REQUIREMENT
Particulars No of Days 2025-26 2026-27 2027-28 2028-29 2029-30
Consumable Stock (Days) 28 84,000 1,82,000 2,05,000 2,31,000 2,59,000
Debtors Period (Days) ‐ ‐ ‐ ‐ ‐ ‐
WC for Expenses (Days) 60 2,16,000 4,27,000 4,75,000 5,27,000 5,84,000
Working Capital Requirement ‐ 3,00,000 6,09,000 6,80,000 7,58,000 8,43,000
Less : Margin 15% 45,000 91,350 1,02,000 1,13,700 1,26,450
Working Capital Demand - 2,55,000 5,17,650 5,78,000 6,44,300 7,16,550
SUPARBHAT PANDEY
COMPUTATION OF DEPRECIATION
Equipments Furniture Misc Assets TOTAL
Description
Rate of Depreciation 15.00% 10.00% 10.00%
Addition 2,00,000 - - 2,00,000
Less : Depreciation 30,000 - - 30,000
WDV 2025-26 1,70,000 - - 1,70,000
Less : Depreciation 25,500 - - 25,500
WDV 2026-27 1,44,500 - - 1,44,500
Less : Depreciation 21,675 - - 21,675
WDV 2027-28 1,22,825 - - 1,22,825
Less : Depreciation 18,424 - - 18,424
WDV 2028-29 1,04,401 - - 1,04,401
Less : Depreciation 15,660 - - 15,660
WDV 2029-30 88,741 - - 88,741
Less : Depreciation 13,311 - - 13,311
WDV 2030-31 75,430 - - 75,430
SUPARBHAT PANDEY
REPAYMENT SCHEDULE OF TERM LOAN
TERM LOAN 1,70,000.00
INTEREST Nil
TENURE 4 Years
Year No of EMI Amount Interest Pmt Principal Pmt Balance Loan
2025-2026 1 1,70,000 - 4,048 1,65,952
2026-2027 12 1,65,952 - 48,571 1,17,381
2027-2028 12 1,17,381 - 48,571 68,810
2028-2029 12 68,810 - 48,571 20,238
2029-2030 5 20,238 - - 20,238
42 1,49,762
Door to Door 48 Months
Moratorium 6 Months
Repayment 42 Months
Principal EMI 4,048
SUPARBHAT PANDEY
CALCULATION OF D.S.C.R
PARTICULARS 2025-26 2026-27 2027-28 2028-29 2029-30
CASH ACCRUALS 18,028 5,18,929 6,07,015 7,00,969 3,33,747
Interest on Term Loan - - - - -
Total 18,028 5,18,929 6,07,015 7,00,969 3,33,747
REPAYMENT
Instalment of Term Loan 4,048 48,571 48,571 48,571 -
Interest on Term Loan
Total 4,048 48,571 48,571 48,571 -
DEBT SERVICE COVERAGE RATIO 4.45 10.68 12.50 14.43 #DIV/0!
AVERAGE D.S.C.R. 14.55