PROMOTER:
MAHESH P.K, PUNNUREATH IDAYADIYIL,
PUNNAKKAD- P O, PATHANAMTHITTA.
Cont. No. 9656533341
Project at a Glance
Cost of Project
: ` 18,25,000
Means of Finance
Term Loan
Working Capital Loan
Own Capital
Subsidy PMEGP Scheme
Debt Service Coverage Ratio (3rd Yr.)
:
:
:
:
: 5
: 3
: 21.22
Employment (Nos.)
: 11
: 10
: ` 1,05,88,239
` 11,78,550
` 4,63,950
` 1,82,500
` 6,38,750
2.84
ANNEXURES
1. COST OF PROJECT
Sl.
No.
Particulars
Amount
Land
Building
300000
949200
35000
Preliminary expense
10800
14500
Working capital
515500
Rs. 18,25,000
Total
2. FINANCE PLANS
%ge of Own capital under the Scheme = 10
Sl
No
Particulars
1 Own capital
2 Term loan from bank
3 Working capital loan
Amount
Rs.
Assessment of
term loan & W/C loan
182500 Building
Amount
Rs.
270000
854280
31500
13050
Pre expense,
9720
1178550
Rs. 18,25,000
0
Total
463950
Rs. 16,42,500
3
4
5
6
7
8
Quanti
ty
Rate
Amount
130000
16000
15000
15000
130000
1
1
1
1
1
130000
16000
15000
15000
130000
57500
115000
55000
5000
12000
165
1
4
1
2400
55000
20000
12000
396000
45200
` 9,49,200
Die
Size
4"Hol
4"solid
550
450
6"solid
350
100
Time allocation
in hrs
maintenance time
e
Total Productive time per
hrs
year
T=300x(a+b-c-d) -e
Prod Mix/Demand ratio
M
in hrs/
year
No. of Machines N
No.
1
in hrs/
day
in hrs/
day
in hrs/
day
in
hrs/day
Concrete Block
Machine
Key Production
Machinery
Units/ year
1100
1100
1100
2
3
211.93
388.53
116560
174839
499.54
1100
174839
466238
Description
Rate
Furniture
Quantit
y
Amount
14500
TOTAL
0
` 14,500
Description
Cement (bag)
3
Chips (feet )
Unit
50kg
feet3
Granite Powder(feet )
Oxide
Soap Oil
Chemical
Water proof powder
White cement
feet
25kg
ltr
ltr
kg
50kg
70 %
Rate
Rs.
Quantity
365
805
293825
38
4025
152950
45
3250
33
37
320
770
2013
11
55
50
85
132
90563
35750
1815
1850
27200
101640
Amount/month
` 6,03,953
` 72,47,430
Description
Coolant, Lubricant etc.
Unit
L.S
Rate
Quantity
0
Amount
450
0
0
0
` 450
` 5,400
Sl. No.
1
2
3
Description
Wages: Skilled Worker
Semiskilled Worker
Unskilled Worker
Nos
Monthly
Rate
6
3
1
15000
12000
7000
TOTAL
Amount
90000
36000
7000
0
` 1,33,000
` 15,96,000
Sl. No.
1
Description
Salary: Manager
TOTAL
Monthly
Rate
Nos
1
15000
Amount
15000
0
0
0
` 15,000
` 1,80,000
1
2
3
Description
9000.00
8500.00
` 17,500
` 2,10,000
Description
1
2
3
4
5
Rent
Repairs & Maintenance
Insurance
Telephone charges
Travelling expense
TOTAL PER MONTH
TOTAL PER ANNUM
0.00
2500.00
2800.00
1200.00
5000.00
Rs. 11,500
Rs. 1,38,000
Description
Requirement
in Days
Amount
(Rs.)
96704
169233
48352
Receivable in Days
24176
Labour Charges
25
148000
25
29000
` 5,15,465
TOTAL
Year
Capacity in %ge
70
Rs. 5,15,500
75
Rs. 5,48,500
` 33,000
80
Rs. 5,82,000
` 33,500
85
Rs. 6,15,900
` 33,900
90
Rs. 6,50,300
` 34,400
90
Rs. 6,61,100
` 10,800
95
Rs. 6,96,500
` 35,400
` 16,42,500
Year
Year1
1642500
328500 1314000
234056
Year2
1314000
328500
985500
187245
Year3
985500
328500
657000
140434
Year4
657000
328500
328500
93623
Year5
328500
328500
46811
Machinery
Furniture
Building
Total
Cost
Depn
Cost
Depn
Cost
Depn
Cost
Depn
984200
98420
14500
2900
300000
15000
1298700 116320
885780
88578
11600
2320
285000
14250
1182380 105148
797202
79720
9280
1856
270750
13538
1077232
95114
717482
71748
7424
1485
257213
12861
982118
86094
645734
64573
5939
1188
244352
12218
896025
77979
581160
58116
4751
950
232134
11607
818046
70673
523044
52304
3801
760
220528
11026
747373
64091
Volume of Sales
at 100% (in Nos)
Volume of Sales
at 70% (in Nos)
Average Rate(in
Rs)
Value in Rs. at
70%
Value in Rs. in
third year
116560
81592
` 17.5
` 14,27,860
` 16,31,840
` 22,64,165
` 25,87,617
` 32,43,263
` 37,06,587
Paver Tiles I
81000
56700
` 45.5
` 25,79,850
` 29,48,400
Paver Tiles I
42000
29400
` 36.5
` 10,73,100
` 12,26,400
466238
326367
` 1,05,88,239
` 1,21,00,844
Sl No
Description of Revenue
Total
Variable cost
` 82,82,777
` 17,59,590
Direct Expenses
` 2,40,000
` 1,02,82,367
Total
B.
80 % Cap.
` 1,98,450
Indirect Expenses
` 1,38,000
Financial expense
` 1,40,434
Total
` 4,82,284
BEP=
` 5,400
` 1,21,00,844
` 1,02,82,367
` 18,18,477
Fixed & semi variable cost X capacity X 100
Difference in S.P and V.C X 100
21.22 %
Operating Year
Particulars
No of working days
No of shifts
Production capacity
in No
Capacity
utilisation(%)
Actual production
l Sales in Lakhs
II Cost of production
Raw materials&
consumables
Power& fuel
1
300
1
2
300
1
3
300
1
4
300
1
5
300
1
466238
466238
466238
466238
466238
70
75
80
326367
349679
372990
105.882 113.445 121.008
(all values in Lakh Rupees)
85
396302
128.571
90
419614
136.134
72.5283
1.080
77.709
1.157
82.889
1.234
88.070
1.311
93.251
1.389
Repair& maintenance
0.300
Salaries& wages
17.760
Insurance
0.336
Depreciation
1.163
Sub total
93.168
III Selling &Admistration Expense
Telephone charges
0.144
Transporting
0.600
Sub total
0.744
lV Financial Expense
0.321
18.648
0.336
1.051
99.223
0.343
19.580
0.336
0.951
105.334
0.364
20.559
0.336
0.861
111.502
0.386
21.587
0.336
0.780
117.728
0.144
0.600
0.744
0.144
0.600
0.744
0.144
0.600
0.744
0.144
0.600
0.744
2.341
2.341
96.252
9.630
1.872
1.872
101.839
11.606
1.404
1.404
107.483
13.526
0.936
0.936
113.182
15.389
0.468
0.468
118.940
17.194
0.022
1.409
8.200
0.820
7.380
0.022
2.002
9.583
0.958
8.624
0.022
2.578
10.927
1.093
9.834
0.022
3.137
12.231
1.223
11.008
0.022
3.678
13.494
1.349
12.145
7.380
16.004
25.838
36.846
48.991
Particulars
A Source of funds
constru
ction
period
(Rs. In Lakhs)
Operating Year
1
1 Share capital
1.825
2 Profit before taxation
with interest added back
0.000
0.000
0.000
0.000
0.000
11.971
13.478
14.930
16.325
17.662
1.163
1.051
0.951
0.861
0.780
0.022
0.022
0.022
0.022
0.022
13.16
14.55
15.90
17.21
18.46
0.022
0.022
0.022
0.022
0.022
5.155
0.330
0.335
0.339
0.344
3.285
3.285
3.285
3.285
3.285
5 Interest on loan
2.341
1.872
1.404
0.936
0.468
6 Income tax
1.409
2.002
2.578
3.137
3.678
7 Withdrawals
0.820
0.958
1.093
1.223
1.349
13.095
13.031
8.469
8.716
8.942
9.146
0.124
6.082
7.187
8.266
9.317
Cumulative surplus
5.279
11.362
18.549
26.815
36.132
3 Depreciation
4 Long term loan
16.425
18.25
B Application of funds
1 Capital Expenditure
2 Pre expenses to be
written off
Total
12.987
0.108
5.155
Sl
Particulars
no LIABILITIES & CAPITAL
Operating Year
1
1 Share capital
1.825
1.825
1.825
1.825
1.825
11.824 10.772
8.960
8.180
5.820
6.159
6.503
2 Current Assets
5.155
0.086
Total
5.485
9.821
0.065
0.043
0.022
0.000
Sl no
1
2
3
4
5
6
7
8
9
10
Particulars
1
Net profit
8.200
Depreciation
1.163
Interest on loan
2.341
Pre expense written off
0.022
Total
11.725
Repayment of term loan
3.285
Interest on loan
2.341
Total
5.626
Debt Service Coverage Ratio
2.084
Average DSCR
Operating Year
2
3
4
5
9.583 10.927 12.231 13.494
1.051 0.951 0.861 0.780
1.872 1.404 0.936 0.468
0.022 0.022 0.022 0.022
12.528 13.304 14.050 14.764
3.285 3.285 3.285 3.285
1.872 1.404 0.936 0.468
5.157 4.689 4.221 3.753
2.429 2.837 3.328 3.934
2.92
CONCLUSION:
On examining the technical aspects like availability of raw materials, availability of
skills and opportunity of market, it can be stated that the project is technically feasible. The
income generated is enough for the repayment of loan and for the better prospects of the
unit. In addition, 25% subsidy under the PMEGP scheme is also available to the project.
Promoter