PROJECT AT GLANCE
NAME OF PROJECT : Rathour Comman CSC Center
CONSTITUTION : Proprietorship Firm
NAME OF PROPRIETOR : Vishal Rathour
CATEGORY : OBC
DISTRICT : Sitapur
MOBILE : 9151711675
EMAIL ID : golastp2003@[Link]
LOCATION OF PROJECT :
Chota Hanuman Mandir Ghanta Ghar Sitapur Uttar Pradesh Pin Code 261001
TYPE OF PROJECT : Service Common Service Centres (CSC)
EMPLOYMENT : 2
TERM LOAN : 2,62,500 _
WORKING CAPITAL LOAN : 1,75,000
COST OF PROJECT
PARTICULARS AMOUNT MARGIN FINANCE
12.5%
Machinery & Equipments 3,00,000 37,500 2,62,500
Furniture & Misc Assets - - -
Other Assets - - -
Working Capital Requirement 2,00,000 25,000 1,75,000
Total 5,00,000 62,500 4,37,500
MEANS OF FINANCE
PARTICULARS AMOUNT
Capital/Internal Accruals 62,500
Term Loan 2,62,500
Working Capital Loan 1,75,000
Total 5,00,000
CAPITAL SUBSIDY 10% OF COST 50,000 UNDER THE CM YUVA SCHEME
Rathour Comman CSC Center
PROJECTED CASH FLOW STATEMENT
PARTICULARS 2025-26 2026-27 2027-28 2028-29 2029-30
SOURCES OF FUND
Capital 62,500 - - -
Reserve & Surplus 2,15,775 2,71,342 3,29,261 3,89,814
Depriciation & Exp. W/off 45,000 38,250 32,513 27,636
Increase in Cash Credit 1,75,000 - - - -
Increase In Term Loan (New) 2,62,500 - - - -
Increase In Subsidy 50,000
Increase in Creditors 21,875 - 14,410 976 1,055
TOTAL : 5,00,000 3,32,650 2,95,181 3,62,750 4,18,505
APPLICATION OF FUND
Increase in Fixed Assets 3,00,000.00 - - - -
Increase in Stock 80,319 9,681 11,000 13,000
Increase in Debtors 17,745 3,255 3,000 3,000
Repayment of Term Loan (New) 68,750 75,000 75,000 43,750
Increase in Subsidy (FD) 50,000 - - -
Drawings 86,310 81,402 1,64,630 1,94,907
TOTAL : 3,00,000 3,03,124 1,69,338 2,53,630 2,54,657
Opening Cash & Bank Balance 2,00,000 2,29,526 3,55,369 4,64,488
Add : Surplus 2,00,000 29,526 1,25,843 1,09,120 1,63,848
Closing Cash & Bank Balance 2,00,000 2,29,526 3,55,369 4,64,488 6,28,337
Rathour Comman CSC Center
PROJECTED BALANCE SHEET
PARTICULARS 2025-26 2026-27 2027-28 2028-29 2029-30
SOURCES OF FUND
Capital Account 62,500 1,91,965 3,81,904 5,46,535
Add: Addition 62,500 - - - -
Add : Net Profit 2,15,775 2,71,342 3,29,261 3,89,814
62,500 2,78,275 4,63,307 7,11,165 9,36,348
Less : Drawings 86,310 81,402 1,64,630 1,94,907
62,500 1,91,965 3,81,904 5,46,535 7,41,442
Capital Subsidy 50,000 50,000 50,000 50,000
Term Loan 2,62,500 1,93,750 1,18,750 43,750 - 0
Cash Credit 1,75,000 1,75,000 1,75,000 1,75,000 1,75,000
Expenses Payable 21,875 7,465 8,441 9,496
TOTAL : 5,00,000 6,32,590 7,33,119 8,23,725 9,75,938
APPLICATION OF FUND
Fixed Assets 3,00,000 3,00,000 3,00,000 3,00,000 3,00,000
Less : Depreciation 45,000 83,250 1,15,763 1,43,399
Net Fixed Assets 3,00,000 2,55,000 2,16,750 1,84,237.0 1,56,601
Current Assets
Sundry Debtors 17,745 21,000 24,000 27,000
Stock in Hand 80,319 90,000 1,01,000 1,14,000
Cash and Bank 2,00,000 2,29,526 3,55,369 4,64,488 6,28,337
Subsidy (Fixed Deposit) 50,000 50,000 50,000 50,000
TOTAL : 5,00,000 6,32,590 7,33,119 8,23,725 9,75,938
- - - -
Current Ratio 1.66 2.56 3.21 4.17
TOL/TNW 2.03 0.79 0.42 0.25
Rathour Comman CSC Center
PROJECTED PROFITABILITY STATEMENT
PARTICULARS 2026-27 2027-28 2028-29 2029-30
A) SALES
Gross Receipts/Sale 11,25,000 12,79,688 14,47,031 16,27,910
Total (A) 11,25,000 12,79,688 14,47,031 16,27,910
B) COST OF SALES/SERVICE
Purchase /Consumables 3,93,750 4,47,891 5,06,461 5,69,769
Elecricity Expenses 57,600 63,360 69,696 76,666
Labour & Wages 2,88,000 3,16,800 3,48,480 3,83,328
Other Overheads 23,625 26,873 30,388 34,186
Cost of Sales/Service (B) 7,62,975 8,54,924 9,55,025 10,63,948
C) GROSS PROFIT (A-B) 3,62,025 4,24,763 4,92,007 5,63,962
D) Selling Expenses 56,250 63,984 72,352 81,396
E) Administrative Expenses 45,000 51,188 57,881 65,116
F) Depriciation 45,000 38,250 32,513 27,636
TOTAL (D+F) 1,46,250 1,53,422 1,62,746 1,74,148
G) NET PROFIT 2,15,775 2,71,342 3,29,261 3,89,814
Profit Ratio 19% 21% 23% 24%
Rathour Comman CSC Center
COMPUTATION OF GROSS RECEIPTS/SALE FROM SERVICE
NATURE OF SERVICE Common Service Centres (CSC)
AVERAGE CUSTOMER/SERVICE 25 PER DAY
No of Working Days 300 300 300 300
Year 2026‐27 2027‐28 2028‐29 2029‐30
Capacity Utilisation 60% 65% 70% 75%
No of Customer Served per year 4500 4875 5250 5625
Average Receipts per Customer 250 263 276 289
Computation of Gross Receipts 11,25,000 12,79,688 14,47,031 16,27,910
Rathour Comman CSC Center
COMPUTATION OF WORKING CAPITAL REQUIREMENT
Particulars No of Days 2026-27 2027-28 2028-29 2029-30
Consumable Stock (Days) 60 80,319 90,000 1,01,000 1,14,000
Debtors Period (Days) 5 17,745 21,000 24,000 27,000
WC for Expenses (Days) 65 1,01,936 1,13,000 1,25,000 1,39,000
Working Capital Requirement ‐ 2,00,000 2,24,000 2,50,000 2,80,000
Less : Margin 12.5% 25,000 28,000 31,250 35,000
Working Capital Demand - 1,75,000 1,96,000 2,18,750 2,45,000
Rathour Comman CSC Center
COMPUTATION OF DEPRECIATION
Equipments Furniture Misc Assets TOTAL
Description
Rate of Depreciation 15.00% 10.00% 10.00%
Addition 3,00,000 - - 3,00,000
Less : Depreciation 45,000 - - 45,000
WDV 2026-27 2,55,000 - - 2,55,000
Less : Depreciation 38,250 - - 38,250
WDV 2027-28 2,16,750 - - 2,16,750
Less : Depreciation 32,513 - - 32,513
WDV 2028-29 1,84,237 - - 1,84,237
Less : Depreciation 27,636 - - 27,636
WDV 2029-30 1,56,601 - - 1,56,601
Less : Depreciation 23,490 - - 23,490
WDV 2030-31 1,33,111 - - 1,33,111
Less : Depreciation 19,967 - - 19,967
WDV 2031-32 1,13,144 - - 1,13,144
Rathour Comman CSC Center
REPAYMENT SCHEDULE OF TERM LOAN
TERM LOAN 2,62,499.50
INTEREST Nil
TENURE 4 Years
Year No of EMI Amount Interest Pmt Principal Pmt Balance Loan
2025-2026 0 2,62,500 - - 2,62,500
2026-2027 11 2,62,500 - 68,750 1,93,750
2027-2028 12 1,93,750 - 75,000 1,18,750
2028-2029 12 1,18,750 - 75,000 43,750
2029-2030 7 43,750 - 43,750 - 0
42 2,62,500
Door to Door 48 Months
Moratorium 6 Months
Repayment 42 Months
Principal EMI 6,250
Rathour Comman CSC Center
CALCULATION OF D.S.C.R
PARTICULARS 2026-27 2027-28 2028-29 2029-30
CASH ACCRUALS 2,60,775 3,09,592 3,61,774 4,17,450
Interest on Term Loan - - - -
Total 2,60,775 3,09,592 3,61,774 4,17,450
REPAYMENT
Instalment of Term Loan 68,750 75,000 75,000 43,750
Interest on Term Loan
Total 68,750 75,000 75,000 43,750
DEBT SERVICE COVERAGE RATIO 3.79 4.13 4.82 9.54
AVERAGE D.S.C.R. 5.14