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PROJECT REPORT-PERIYASAMY-New

Textile projects

Srinivasa1
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PROJECT REPORT-PERIYASAMY-New

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  1. CMA DATA REPORT For Mr.PERIYASAMY Venture-Textile

  2. WEARING APPARELS

  3. 1.GENERAL INFORMATION NAME OF THE FIRM : PERIYASAMY : 12 Kamarajapuram, RESIDENTIAL ADDRESS Arimalam , Tirumayam Taluk, Pudukkottai (DT)-622201. SHOP ADDRESS :No.4 Ground Floor, PLRM Complex , Elex Road, Sivan Kovil North Side, Arimalam , Tirumayam Taluk, Pudukkottai (DT)-622201. : Manufacturing of Wearing Apparels NATURE OF BUSINESS :SOLE PROPRIETOR CONSTITUTION : PERIYASAMY NAME OF THE PROPRIETOR SCHEME : NEEDS UDYOG : - GSTIN : -

  4. PROJECT COST DETAILS: Project Cost : Rs.10,75,000 /- Working day : 300 days per year BY MEANS OF FINANCE (DIC): a.Own Contribution(5%) : Rs.53,750 /- b. Subsidy(35%) : Rs.2,68,750/- c. Loan from Bank : Rs.7,52,500,/- Total : Rs.10, 75,000/- BY MEANS OF FINANCE (in terms of BANK): a.Own Contribution(5%) : Rs.53,750/- b.Loan from Bank : Rs.9,31,000/- Total : Rs.10, 21,250/-

  5. PROJECT COST Nature of Cost : Existing Proposed Total RENTED RENTED RENTED RENTED Land Construction Wearing Apparels - - - 10.00 10.00 - - - - Computer Spares Working Capital Other Assets Capital Cost of Project - 0.75 - 10.75 0.75 - 10.75 10.75 - Source of Funds : Proprietor's Capital (5%) Term Loan From Banks - 0.55 10.20 - 0.55 10.20 - - 10.75 10.75

  6. Interest Calculation Calculation of interest on Bank Loan : (Tenure : 5 Years) for 3 month - - - Rate 11.00% 11.00% 11.00% Principal - - Installment - - Due - - 10.2 0 10.2 0 1st Quar. - Year 2nd Quar. 3rd quar. 10.20 4th quar 10.20 11.00% - - - Total 10.20 8.99 8.67 8.35 - - - 1st Year 2nd Quar. 3rd quar. 4th quar 2rd 1st Quar. Year 2nd Quar. 3rd quar. 4th quar 3rd 1st Quar. Year 2nd Quar. 3rd quar. 4th quar 4th 1st Quar. Year 2nd Quar. 3rd quar. 4th quar 1st Quar. 11.00% 11.00% 11.00% 11.00% 0.26 0.25 0.24 0.23 0.32 0.32 0.32 0.32 0.58 0.57 0.56 0.55 8.99 8.67 8.35 8.03 Total 0.97 1.28 2.25 8.03 7.61 7.18 6.76 11.00% 11.00% 11.00% 11.00% 0.22 0.21 0.20 0.19 0.43 0.43 0.43 0.43 0.65 0.63 0.62 0.61 7.61 7.18 6.76 6.33 Total 0.81 1.70 2.51 6.33 5.86 5.38 4.91 11.00% 11.00% 11.00% 11.00% 0.17 0.16 0.15 0.13 0.48 0.48 0.48 0.48 0.65 0.64 0.62 0.61 5.86 5.38 4.91 4.43 Total 0.62 1.90 2.52 4.43 3.90 3.37 2.84 Total 11.00% 11.00% 11.00% 11.00% 0.12 0.11 0.09 0.08 0.40 0.53 0.53 0.53 0.53 2.12 0.65 0.64 0.62 0.61 2.52 3.90 3.37 2.84 2.31

  7. 5th 1st Quar. 2.31 11.00% 0.06 0.56 0.63 1.75 Year 2nd Quar. 1.75 11.00% 0.05 0.58 0.63 1.17 3rd quar. 1.17 11.00% 0.03 0.58 0.61 0.59 4th quar 0.59 11.00% 0.02 0.58 0.60 0.01 Total 0.16 2.30 2.46

  8. PROJECTED PROFITABILITY STATEMENT: PROFIT AND LOSS ASSUMPTION 2019 0.00% 2020 2.00% 2021 4.00% 2022 6.00% 2023 8.00% Annual cumulative price (revenue) increase Annual cumulative inflation (expense) increase Particulars 0.00% 2.00% 4.00% 6.00% 8.00% 2020 2021 2022 2023 2024 I. Income : SALES 8.64 8.81 8.99 9.17 9.35 8.64 8.81 8.99 9.17 9.35 Less: Wages Power Cost Other Manufacturing Cost Maintenance 2.7 0.34 0.15 0.10 2.75 0.35 0.15 0.10 2.81 0.35 0.16 0.10 2.87 0.36 0.16 0.11 2.92 0.37 0.16 0.11 Sub Total 3.29 3.36 3.42 3.49 3.56 Gross Profit (A) - (B) II. Expenses : Depreciation Exp. Administrative Expenses Interest on Loan Interest on unsecured Loan 5.35 5.46 5.57 5.68 5.79 0.55 0.10 0.97 0.93 0.25 0.81 0.84 0.35 0.62 0.75 0.40 0.40 0.68 0.50 0.16 1.56 1.99 1.81 1.55 1.34 Profit before Taxation Previous year Loss Total Profit 3.79 - 3.79 3.46 - 3.46 3.76 - 3.76 4.12 - 4.12 4.45 - 4.45 Income Tax 0.04 0.03 0.04 0.04 0.04 Profit after tax 3.75 3.43 3.72 4.08 4.41

  9. Pre- Period 2019 2020 2021 2022 2023 Sources of funds : Net profit as per profita- bility statement(Before tax) Introduced by proprietor Term Loan 3.91 - 3.59 - - 3.89 - - 4.25 - - 4.59 - - 0.55 10.2 0 - - - Unsecured Loan Inc. in Bank Borrowing Depreciation - - - - - - - - - - 0.55 0.93 0.84 0.75 0.68 10.7 5 4.40 4.52 4.73 5.01 5.26 Application of Funds : Land Construction Wearing Apparels - - - - - - - - - - - - 10.7 5 - - - - - - - - - Computer Sarees other Assets Investment Repayment of Term loan Increase In Labour Receivable Increase In Closing Stock Withdrawal (Proprietor) Income Tax Paid - - - - - - - - - - - - - - - - - - - - - 2.25 2.51 2.52 2.52 2.46 1.00 0.04 3.55 1.20 0.04 3.76 1.40 0.04 3.96 1.60 0.05 4.11 0.04 2.29 10.7 5 Opening Balance Net Surplus - - - 2.11 0.97 3.08 0.97 4.05 1.05 5.10 1.16 2.11 Closing Balance - 2.11 3.08 4.05 5.10 6.26

  10. PROJECTED BALANCE SHEET PROJECTED BALANCE SHEET 2019 1.62 8.03 0.25 2.25 12.15 - - 10.20 - - - 0.45 2.11 0.28 12.15 Particulars 2020 2021 2022 2023 Liability : Capital Block Term Loan from Bank Sundry Creditors Term Loan Payment within one year 3.12 6.33 0.27 5.15 4.43 0.34 7.56 2.31 0.37 10.29 0.01 0.50 2.51 2.52 2.52 2.46 Total Liability 12.23 12.43 12.76 13.26 Assets : Land Construction Wearing Apparels Computer Spares Other Assets Cash & Bank Accounts receivable Closing Stock Total Assets - - - - 8.38 - - - 0.47 3.08 0.30 70.55 - - - 0.55 4.05 0.35 6.79 - - - 0.51 5.10 0.36 6.11 - - - 0.53 6.26 0.36 12.23 12.43 12.75 13.25

  11. RATIOS Particular 2019 2020 2021 2022 2023 Debt Service Coverage Ratio : (A) Cash flow : Net Profit after tax Depreciation Interest on loan 3.87 0.55 0.97 3.55 0.93 0.81 3.85 0.84 0.62 4.21 0.75 0.40 40.55 0.68 0.16 Total A 5.33 5.30 5.31 5.37 5.38 (B) Debt Servicing : Repayment of Loan Interest on loan Repayment of Interest on loan Int.on Unsecured Loan 1.28 0.97 1.70 0.81 1.90 0.62 2.12 0.40 2.30 0.16 - - - - - - - - - - - Total B 2.25 2.51 2.52 2.52 2.46 D.S.C.R.( A \ B) 2.37 2.11 2.11 2.18 2.13 2.18 Calculation of various Ratios 2019 8.03 8.03 Particular 2020 2021 2022 2023 Debt-Equity Ratio : (A) Debt : Term Loan from Bank Total (A) 6.33 6.33 4.43 4.43 2.31 2.31 0.01 0.01

  12. (B) Equity : Capital Block Unsecured Loan Total (B) 1.62 3.12 2.51 5.63 5.15 2.52 7.66 7.56 2.52 10.08 10.29 2.46 12.75 1.62 (C) Debt \ Equity = A\B 4.95 1.12 0.58 0.23 0.00 Average Debt\Equity Ratio for 7 years 1.15 Current Ratio Particular 2019 2020 2021 2022 2023 Current Ratio: Current Assets : Cash on Hand Accounts Receivable Closing Stock 2.11 0.28 - 2.39 3.08 0.30 - 3.38 4.05 0.35 - 4.40 5.10 0.36 - 5.46 6.26 0.36 - 6.62 Current Liability: Sundry Creditors Term Loan Payment due Interest payable 0.25 1.28 0.97 2.50 0.27 1.70 0.81 2.78 0.34 1.90 0.62 2.86 0.37 2.12 0.40 2.89 0.50 2.30 0.16 2.96 Current Ratio 0.96 1.22 10.55 1.89 2.23

  13. REPAYMENT MODE: a.Bank Loan Amount Rs.10,20,000/- : b.Rate of Interest 11% : c.Duration of Repayment 5 Years : Rs.22,286/- d. EMI : Date : 30/05/2019 Place : PUTHUKOTTAI Signature

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