ESTIMATED & PROJECTED BALANCE

PROJECTED BALANCE SHEET

OF

M/S PUSHPANJALI JAL

PROP: PUSHPA SHARMA
ADD - EKNATH SHARMA CHAKARAMI NARAYANPUR
BHAGALPUR, BIHAR - 853203

For the Year

2025-2026 (Estimated)
2026-2027 (Projected)
2027-2028 (Projected)
2028-2029 (Projected)
2029-2030 (Projected)
 M/S PUSHPANJALI JAL
ADD - EKNATH SHARMA CHAKARAMI NARAYANPUR Bhagalpur Bihar 853203
PROP-PUSHPA SHARMA
1. PROJECT STATUE CENTER

2 NAME OF THE ORGANISATION TANDOOR

M/S PUSHPANJALI
VILLA FAST FOOD
JAL CORNER

3 PROPRIETOR MR.
MRS.PUSHPA
MAMONI SHARMA
ROY
PAN HXYPS3177J
DGKPR58F D.O.B. 13-05-1987
ADHAR NO 5410
332105953579
6485 1360 MOB NO. 9608439519

4 LOCATION (ADD - CHAKARAMI NARAYANPUR Bhagalpur Bihar 853203)

5 PROJECT COST
RS.
FIXEB ASSETS 1781000.00
ADVANCES.DEPOSITE ETC. 0.00
CLOSING STOCK 0.00
DEBTORS 0.00
CASH & BANK 0.00
1781000.00

6 MEANS OF FINANCE
PROPRITOR CAPITAL 400000.00
Cash Credit 600000.00
TERM LOAN 1600000.00
LIABILITY FOR EXPENSES 0.00 0.00
2600000.00

7 ACTIVITY Water Plant Manufacturing

8 UTILITIES PLANT &MACHINERY, Furniture & Fixtures, CURRENT ASSETS

9 PROJECT OF THIS PROPRIETORSHIP FIRM IS NEWLY IN BUSINESS

IMPLEMENTATION OF MANUFACTURER OF STATUE
THEREFORE ADDITIONAL FINANCE IS REQUIRED
FOR CARRYING HIGHER STOCK.

10 OPERATIONAL DATA ESTIMATED PROJECTED PROJECTED

2025-26 2026-27 2027-28
SALES 12466676.00 14336677.00 16343811.00
PROFIT BEFORE TAX 1749770.70 2240557.18 2711909.15
CURRENT RATIO 1.13 2.41 4.46
CAPITAL TURNOVER RATIO 1.32 0.50 0.24

11 REQUIREMENT
EXISTING BANK CC LIMIT 0.00
ENHANCEMENT/NEWLY REQUIRED BANK CC LIMIT 600000.00

ADD : PROPOSED TERM LOAN 1600000.00

TOTAL LONE FROM BANK 2200000.00
 COST OF PROJECT
a Details of fixed assets : 1725000.00

S.N. NAME OF ASSETS Q.NO. VALU(R.S)

1.00 PLANT & MACHINERY 1600000.00

2.00 FURNITURE & FIXTURE 125000.00

TOTAL ASSETS 1725000.00

b Details of current assets

Value of Raw material to be Purchased

Total Assets Value (a+b) 1725000.00

Means of finance:

i Own Contribution (Min.25% of Cost of Project) 25% 400000.00

( GC Sheet ETC. Product Purchase )
ii Lone 75%
Term loan (75% of Cost of Fixed Assets) 1600000.00

Total Sources Fund 2000000.00

 M/S PUSHPANJALI JAL
PROPRIETOR : PUSHPA SHARMA
ADD - EKNATH SHARMA CHAKARAMI NARAYANPUR BHAGALPUR BIHAR 853203

PROFIT & LOSS ACCOUNT

ESTIMATED PROJECTED PROJECTED PROJECTED PROJECTED
PARTICULARS
2025-26 2026-27 2027-28 2028-29 2029-30

INCOME
Sales 12,466,676.00 14,336,677.00 16,343,811.00 17,520,013.00 20,673,615.00
Closing Stock 2,119,334.00 2,293,868.00 2,124,695.00 1,902,401.00 2,274,097.00
14,586,010.00 16,630,545.00 18,468,506.00 19,422,414.00 22,947,712.00

EXPENSES
Opening Stock - 2,119,334.00 2,293,868.00 2,124,695.00 1,902,401.00
Purchases 11,344,675.00 10,609,140.00 11,604,105.00 12,614,409.00 15,484,537.00
Direct Expenses - - - - -
Add: Job Work - - - - -

DIRECT COST 11,344,675.00 12,728,474.00 13,897,973.00 14,739,104.00 17,386,938.00

GROSS PROFIT 3,241,335.00 3,902,071.00 4,570,533.00 4,683,310.00 5,560,774.00

Selling & Administrative Expenses 1,002,090.00 1,236,340.80 1,483,604.00 1,706,140.00 2,217,976.00

(Shedule 1 Annexed)

PROFIT BEFORE INTEREST & DEPRECIATION 2,239,245.00 2,665,730.20 3,086,929.00 2,977,170.00 3,342,798.00

INTEREST ON LOAN 155,874.30 127,573.02 96,152.85 61,270.07 16,368.71

INTEREST ON CC 76,900.00 74,580.00 78,560.00 79,500.00 81,500.00

PROFIT BEFORE DEPRECIATION 2,006,470.70 2,463,577.18 2,912,216.15 2,836,399.93 3,244,929.29

Depreciation 256,700.00 223,020.00 200,307.00 180,945.00 206,759.00

PROFIT BEFORE TAX 1,749,770.70 2,240,557.18 2,711,909.15 2,655,454.93 3,038,170.29

Other Mis.Income - - - - -

NET PROFIT TRANSFERRED TO CAPITAL 1,749,770.70 2,240,557.18 2,711,909.15 2,655,454.93 3,038,170.29

G.P Ratio (%) 26.00 27.22 27.96 26.73 26.90

N.P Ratio (%) 14.04 15.63 16.59 15.16 14.70

FOR: PUSHPANJLAI JAL

PROP: PUSHPA SHARMA

Date :
Place :
 M/S PUSHPANJALI JAL
PROPRIETOR : PUSHPA SHARMA
ADD - EKNATH SHARMA CHAKARAMI NARAYANPUR BHAGALPUR BIHAR 853203

Balance Sheet
ESTIMATED PROJECTED PROJECTED PROJECTED PROJECTED
PARTICULARS
2025-26 2026-27 2027-28 2028-29 2029-30

Source of Funds/Liabilities
Proprietor's Capital 1,849,770.70 3,690,328.00 5,902,237.00 7,907,692.00 10,145,862.00
Reserve & surplus

Secured Loan
Cash Credit 600,000.00 600,000.00 600,000.00 600,000.00 600,000.00
Term loan 1,343,190.70 1,058,080.12 741,549.37 390,135.85 -4.66

unsecure Loan - - - - -

Current Liabilities
Sundry Creditors 490,623.60 179,612.61 65,900.00 75,800.00 65,000.00
Other Current Liabilities - - - - -

Total 4,283,585.00 5,528,020.73 7,309,686.37 8,973,627.85 10,810,857.34

Application Of Fund/Assets

Fixed Assets (Net Block A-3) 1,524,300.00 1,301,280.00 1,236,673.00 1,055,728.00 1,198,969.00

Investment - - - 1,000,000.00 1,500,000.00

Deffered Tax Assets - - - - -
Advances to Supplier - - - - -
Gst input Credit - - - - -
Current Assets
Stock in Trade 2,119,334.00 2,293,868.00 2,124,695.00 1,902,401.00 2,274,097.00
Sundry Debtors 415,951.00 1,789,500.00 2,758,318.37 3,525,498.85 3,847,791.34
Cash & Bank Balance 224,000.00 353,372.73 1,400,000.00 1,700,000.00 2,200,000.00

Total 4,283,585.00 5,738,020.73 7,519,686.37 9,183,627.85 11,020,857.34

FOR: PUSHPANJLAI JAL

PROP: PUSHPA SHARMA

Date :
Place :
 M/S PUSHPANJALI JAL
PROPRIETOR : PUSHPA SHARMA
ADD - EKNATH SHARMA CHAKARAMI NARAYANPUR BHAGALPUR BIHAR 853203

Capital Cost of the Project

ESTIMATED PROJECTED PROJECTED PROJECTED PROJECTED
PARTICULARS
2025-26 2026-27 2027-28 2028-29 2029-30

Fixed Assets (at W.D.V) 1,524,300.00 1,301,280.00 1,236,673.00 1,055,728.00 1,198,969.00

Investments - - - 1,000,000.00 1,500,000.00
Other Current Assets - - - - -
Working Capital 2,268,661.40 4,257,128.12 6,217,113.37 7,052,099.85 8,256,888.34

Total 3,792,961.40 5,558,408.12 7,453,786.37 9,107,827.85 10,955,857.34

Means of Finance

Cash Credit 600,000.00 600,000.00 600,000.00 600,000.00 600,000.00

Term Loan 1,343,190.70 1,058,080.12 741,549.37 390,135.85 -4.66
Own Contribution 1,849,770.70 3,690,328.00 5,902,237.00 7,907,692.00 10,145,862.00
Unsecured Loan - - - - -

Total 3,792,961.40 5,348,408.12 7,243,786.37 8,897,827.85 10,745,857.34

Sales 12,466,676.00 14,336,677.00 16,343,811.00 17,520,013.00 20,673,615.00

Profit before tax 1,749,770.70 2,240,557.18 2,711,909.15 2,655,454.93 3,038,170.29
Current Ratio 1.13 2.41 4.46 6.69 12.51
Debt Equity Ratio 1.32 0.50 0.24 0.13 0.07

FOR: PUSHPANJLAI JAL

PROP: PUSHPA SHARMA

Date:
Place:
 ANNEXURE -1
PROPRIETOR'S CAPITAL ACCOUNT
Amount as on Amount as on Amount as on Amount as on Amount as on
S. No. Particulars
31/03/2024 (Rs.) 31/03/2025 (Rs.) 31/03/2026 (Rs.) 31/03/2026 (Rs.) 31/03/2026 (Rs.)

1 Opening 400,000.00 1,849,770.70 3,690,328.00 5,902,237.00 7,907,692.00

2 Additional Capital - - - - -
3 Add Net Profit from Business 1,749,770.70 2,240,557.18 2,711,909.15 2,655,454.93 3,038,170.29
4 Add Other Income - - - - -
5 Less: Drawings 300,000.00 400,000.00 500,000.00 650,000.00 800,000.00

Total 1,849,770.70 3,690,328.00 5,902,237.00 7,907,692.00 10,145,862.00

ANNEXURE -1

Amount as on Amount as on Amount as on Amount as on Amount as on

S. No. Particulars
31/03/2024 (Rs.) 31/03/2025 (Rs.) 31/03/2026 (Rs.) 31/03/2026 (Rs.) 31/03/2026 (Rs.)

1 Accounting Charges 72,000.00 80,640.00 96,768.00 111,283.00 144,667.00

2 Bank Charges 18,900.00 21,168.00 25,401.00 29,211.00 37,974.00
3 Telephone & Mobile Exp 7,590.00 8,500.80 10,200.00 11,730.00 15,249.00
4 Conveyance 20,000.00 22,400.00 26,880.00 30,912.00 40,185.00
5 Electricty Charges & Fuel 84,900.00 97,088.00 116,505.00 133,980.00 174,174.00
6 Misc. Expences 71,650.00 80,248.00 96,297.00 110,741.00 143,963.00
7 Salary & Wages 500,000.00 672,000.00 806,400.00 927,360.00 1,205,568.00
8 Shop Expenses 31,560.00 35,347.20 42,416.00 48,778.00 63,411.00
9 Machinery Repiars 60,000.00 67,200.00 80,640.00 92,736.00 120,556.00
10 Advertising & Promotion 18,690.00 20,932.80 25,119.00 28,886.00 37,551.00
11 Office Rent 32,000.00 35,840.00 43,008.00 49,459.00 64,296.00
12 Travel Expenses 26,900.00 30,128.00 36,153.00 41,575.00 54,047.00
13 Professional Fess 12,000.00 13,440.00 16,128.00 18,547.00 24,111.00
14 Other Mis. Expenses 45,900.00 51,408.00 61,689.00 70,942.00 92,224.00
15

Total 1,002,090.00 1,236,340.80 1,483,604.00 1,706,140.00 2,217,976.00

 FINANCIAL YEAR 2025-26
DEPRECIATION SCHEDULES AS PRE INCOME TAX ACT, 1961

ADDITIONS CLOSING BAL

OPENING DEP. For the
PARTICULARS UPTO AFTER DELETIONS TOTAL RATE AS ON
BALANCE year
30.09.2025 30.09.2025 31.03.2024
Furniture & Fixures - 125,000.00 - - 125,000.00 10% 12,500.00 112,500.00
Plant & Machinery 400,000.00 1,200,000.00 - - 1,600,000.00 15% 240,000.00 1,360,000.00
Tools & Equipment - - 56,000.00 - 56,000.00 15% 4,200.00 51,800.00
Mobile Phone - - - - - 15% - -

TOTAL:- 400,000.00 1,325,000.00 56,000.00 - 1,781,000.00 - 256,700.00 1,524,300.00

FINANCIAL YEAR 2026-27

DEPRECIATION SCHEDULES AS PRE INCOME TAX ACT, 1961

ADDITIONS CLOSING BAL

OPENING DEP. For the
PARTICULARS UPTO AFTER DELETIONS TOTAL RATE AS ON
BALANCE year
30.09.2025 30.09.2025 31.03.2025
Furniture & Fixures 112500.0.00 - - - 112,500.00 10% 11,250.00 101,250.00
Plant & Machinery 1360000.0.00 - - - 1,360,000.00 15% 204,000.00 1,156,000.00
Tools & Equipment 51800.0.00 - - - 51800.00 15% 7770.00 44,030.00
Mobile Phone - - - - 0.00 15% 0.00 -

TOTAL:- 1,524,300.00 - - - 1,524,300.00 - 223,020.00 1,301,280.00

FINANCIAL YEAR 2027-28

DEPRECIATION SCHEDULES AS PRE INCOME TAX ACT, 1961

ADDITIONS CLOSING BAL

OPENING DEP. For the
PARTICULARS UPTO AFTER DELETIONS TOTAL RATE AS ON
BALANCE year
30.09.2026 30.09.2026 31.03.2026
Furniture & Fixures 101,250.00 - - - 101,250.00 10% 10,125.00 91,125.00
Plant & Machinery 1,156,000.00 - - - 1,156,000.00 15% 173,400.00 982,600.00
Tools & Equipment 44,030.00 - 135,700.00 - 179,730.00 15% 16,782.00 162,948.00
Mobile Phone - - - - - 15% - -

TOTAL:- 1,301,280.00 - 135,700.00 - 1,436,980.00 - 200,307.00 1,236,673.00

FINANCIAL YEAR 2028-29

DEPRECIATION SCHEDULES AS PRE INCOME TAX ACT, 1961
ADDITIONS CLOSING BAL
OPENING DEP. For the
PARTICULARS UPTO AFTER DELETIONS TOTAL RATE AS ON
BALANCE year
30.09.2027 30.09.2027 31.03.2027
Furniture & Fixures 91,125.00 - - - 91,125.00 10% 9,113.00 82,012.00
Plant & Machinery 982,600.00 - - - 982,600.00 15% 147,390.00 835,210.00
Tools & Equipment 162,948.00 - - - 162,948.00 15% 24,442.00 138,506.00
Mobile Phone - - - - - 15% - -

TOTAL:- 1,236,673.00 - - - 1,236,673.00 0.55 180,945.00 1,055,728.00

FINANCIAL YEAR 2029-30

DEPRECIATION SCHEDULES AS PRE INCOME TAX ACT, 1961

ADDITIONS CLOSING BAL

OPENING DEP. For the
PARTICULARS UPTO AFTER DELETIONS TOTAL RATE AS ON
BALANCE year
30.09.2028 30.09.2028 31.03.2028
Furniture & Fixures 82,012.00 - - - 82,012.00 10% 8,201.00 73,811.00
Plant & Machinery 835,210.00 - - - 835,210.00 15% 125,282.00 709,928.00
Tools & Equipment 138,506.00 350,000.00 - - 488,506.00 15% 73,276.00 415,230.00
Mobile Phone - - - - - 15% - -

TOTAL:- 1,055,728.00 350,000.00 - - 1,405,728.00 - 206,759.00 1,198,969.00

 RATIO ANALYSIS :
PARTICULAR 2025-26 2026-27 2027-28 2028-29 2029-30

Debt-Equity Ratio
(A) Debt :
Sundry Creditors 490,623.60 179,612.61 65,900.00 75,800.00 65,000.00
Bank CC 600,000.00 600,000.00 600,000.00 600,000.00 600,000.00
Other Current Liabilities - - - - -
Term Loan 1,343,190.70 1,058,080.12 741,549.37 390,135.85 -4.66
TOTAL (A) 2,433,814.30 1,837,692.73 1,407,449.37 1,065,935.85 664,995.34

(B) Equity :
Owner's Capital 1,849,770.70 3,690,328.00 5,902,237.00 7,907,692.00 10,145,862.00
TOTAL (B) 1,849,770.70 3,690,328.00 5,902,237.00 7,907,692.00 10,145,862.00

(C)Debt/Equity=A/B 1.32 0.50 0.24 0.13 0.07

Avg. Ratio 0.15

Working Capital Ratio

Current Assets:
Advance to supplier - - - - -
Debtors 415,951.00 1,789,500.00 2,758,318.37 3,525,498.85 3,847,791.34
Closing Stock 2,119,334.00 2,293,868.00 2,124,695.00 1,902,401.00 2,274,097.00
Cash & Bank Balances 224,000.00 353,372.73 1,400,000.00 1,700,000.00 2,200,000.00
Total 2,759,285.00 4,436,740.73 6,283,013.37 7,127,899.85 8,321,888.34

Current Liability:
Sundry Creditors 490,623.60 179,612.61 65,900.00 75,800.00 65,000.00
Bank CC 600,000.00 600,000.00 600,000.00 600,000.00 600,000.00
Term Loan 1,343,190.70 1,058,080.12 741,549.37 390,135.85 -4.66
Total 2,433,814.30 1,837,692.73 1,407,449.37 1,065,935.85 664,995.34

Working Capital Ratio 1.13 2.41 4.46 6.69 12.51

(A) Working Capital 1,668,661.40 3,657,128.12 5,617,113.37 6,452,099.85 7,656,888.34

(B) Working Capital Gaap 2,268,661.40 4,257,128.12 6,217,113.37 7,052,099.85 8,256,888.34
( Without Considering Bank CC )
 Ratio Analysis
Particulars 2025-26 2026-27 2027-28 2028-29 2029-30

Interest Service Coverage Ratio:

(A) Cash Flow:
Net Profit 1,749,770.70 2,240,557.18 2,711,909.15 2,655,454.93 3,038,170.29
Depreciation 256,700.00 223,020.00 200,307.00 180,945.00 206,759.00
Interest On C.C 76,900.00 74,580.00 78,560.00 79,500.00 81,500.00
Interest On Term Loan 155,874.30 127,573.02 96,152.85 61,270.07 16,368.71
TOTAL (A) 2,083,370.70 2,538,157.18 2,990,776.15 2,915,899.93 3,326,429.29

(B) Int Servicing

Interest 0.00 0.00 0.00 0.00 0.00
TOTAL (B) 0.00 0.00 0.00 0.00 0.00

I.S.C.R. (A/B) 0.00 0.00 0.00 0.00 0.00

PBDIT To Sales :
(A) PBDIT 2,239,245.00 2,665,730.20 3,086,929.00 2,977,170.00 3,342,798.00

(B) Sale of Goods 12,466,676.00 14,336,677.00 16,343,811.00 17,520,013.00 20,673,615.00

PBDIT To Sales (A/B)- 17.96 18.59 18.89 16.99 16.17

Net Profit To Sales:

(A) Net Profit 1,749,770.70 2,240,557.18 2,711,909.15 2,655,454.93 3,038,170.29

(B) Sale of Service 12,466,676.00 14,336,677.00 16,343,811.00 17,520,013.00 20,673,615.00

Net Profit To Sales (A/B)- 14.04 15.63 16.59 15.16 14.70

Return On Capital Employed:

P.B.D.I.T (A) 2,239,245.00 2,665,730.20 3,086,929.00 2,977,170.00 3,342,798.00

Capital Employed (B) 1,849,770.70 3,690,328.00 5,902,237.00 7,907,692.00 10,145,862.00

Return on Capital Employed (A/B) 121.06 72.24 52.30 37.65 32.95

 RATIO ANALYSIS :
Particulars 2025-26 2026-27 2027-28 2028-29 2029-30

TOL To TNW :
TOL
Sundry Creditors 490,623.60 179,612.61 65,900.00 75,800.00 65,000.00
Bank CC 600,000.00 600,000.00 600,000.00 600,000.00 600,000.00
Term Loan 1,343,190.70 1,058,080.12 741,549.37 390,135.85 -4.66
Other current liabilities - - - - -
TOTAL (A) 2,433,814.30 1,837,692.73 1,407,449.37 1,065,935.85 664,995.34

TNW (B) 1,849,770.70 3,690,328.00 5,902,237.00 7,907,692.00 10,145,862.00

TOL To TNW (A/B) 1.32 0.50 0.24 0.13 0.07

 ASSESSMENT OF WORKING CAPITAL REQUIREMENT
M/S PUSHPANJALI JAL
PROPRIETOR : PUSHPA SHARMA
ADD - EKNATH SHARMA CHAKARAMI NARAYANPUR Bhagalpur Bihar 853203

1. WORKING CAPITAL REQUIREMENT FOR ANTICIPATED TURNOVER METHOD/TRADITIONAL METHOD

VALUE MARGIN AMOUNT PREMISSIBLE LIMIT

Average level of stock required
2,179,299.00 25.00 544,824.75 1,634,474.25
at any one timing
Avg level of Outstanding
1,654,589.79 35.00 579,106.43 1,075,483.36
Debtors at any one time
Avg level of Advance to supplier
- - -
at any one time 25.00

Credit Available From

Suppliers 65,900.00 25.00 16,475.00 49,425.00
Max Premissinle Finance 2,660,532.61

2. WORKING CAPITAL REQUIREMENT AS PER NAYAK COMMITTEE METHOD

a. Estimated Annual turnover (2025-26) 12,466,676.00
b. Working capital requirement (25% of a,for trading unit) 3,116,669.00
c. Less : Margin (5% of a ) 623,333.80
d. Max permissible Bank Finance 2,493,335.20

3. LOAN APPLIED 2,200,000.00

AMT OF LOAN ELIGIBLE (1 OR 3 WHICHEVER S LOWER ) 2,200,000.00

THE ADDITIONAL REQUIREMENT OF WORKING CAPITAL WILL BE FUTURE CASH ACCRUALS BRANCH
 CALCULATION OF MAXIMUM PERMISIBLE BANK FINANCE (M.P.B.F )
Current Assets : 2025-26 2026-27 2027-28 2028-29 2029-30
Advance to supplier - - - - -
Debtors 415,951.00 1,789,500.00 2,758,318.37 3,525,498.85 3,847,791.34
Closing Stock 2,119,334.00 2,293,868.00 2,124,695.00 1,902,401.00 2,274,097.00
Cash & Bank Balances 224,000.00 353,372.73 1,400,000.00 1,700,000.00 2,200,000.00
Total 2,343,334.00 2,647,240.73 3,524,695.00 3,602,401.00 4,474,097.00

Current Liability :
Sundry Creditors 490,623.60 179,612.61 65,900.00 75,800.00 65,000.00
Bank CC 600,000.00 600,000.00 600,000.00 600,000.00 600,000.00
Term Loan 1,343,190.70 1,058,080.12 741,549.37 390,135.85 -4.66
Total 2,433,814.30 1,837,692.73 1,407,449.37 1,065,935.85 664,995.34

A,- Working Capital 1,668,661.40 3,657,128.12 5,617,113.37 6,452,099.85 7,656,888.34

B.- Working Capital Gaap 2,268,661.40 4,257,128.12 6,217,113.37 7,052,099.85 8,256,888.34
(Without Considering Bank CC)

C.- 25% OF TOTAL

CURRENT ASSETS : 585,833.50 661,810.18 881,173.75 900,600.25 1,118,524.25

D.- (B-C) 1,682,827.90 3,595,317.94 5,335,939.62 6,151,499.60 7,138,364.09

E.- (B-A) 600,000.00 600,000.00 600,000.00 600,000.00 600,000.00

MPBF (D OR E WHICH IS LOWER) 600,000.00 600,000.00 600,000.00 600,000.00 600,000.00

 TERM LOAN SHEDULE AS ON 31.3.2026
MONTH AMOUNT EMI INTEREST PRINCIPLE CLOSING
APRIL 1600000.00 34390.30 14000.00 20390.30 1579609.70
MAY 1579609.70 34390.30 13821.58 20568.72 1559040.98
JUNE 1559040.98 34390.30 13641.61 20748.69 1538292.29
JULY 1538292.29 34390.30 13460.06 20930.24 1517362.05
AUG 1517362.05 34390.30 13276.92 21113.38 1496248.67
SEPT 1496248.67 34390.30 13092.18 21298.12 1474950.54
OCT 1474950.54 34390.30 12905.82 21484.48 1453466.06
NOV 1453466.06 34390.30 12717.83 21672.47 1431793.59
DEC 1431793.59 34390.30 12528.19 21862.11 1409931.48
JAN 1409931.48 34390.30 12336.90 22053.40 1387878.08
FEB 1387878.08 34390.30 12143.93 22246.37 1365631.72
MARCH 1365631.72 34390.30 11949.28 22441.02 1343190.70
TOTAL 155874.30 256809.30

TERM LOAN SHEDULE AS ON 31.3.2027

MONTH AMOUNT EMI INTEREST PRINCIPLE CLOSING
APRIL 1343190.70 34390.30 11752.92 22637.38 1320553.31
MAY 1320553.31 34390.30 11554.84 22835.46 1297717.86
JUNE 1297717.86 34390.30 11355.03 23035.27 1274682.59
JULY 1274682.59 34390.30 11153.47 23236.83 1251445.76
AUG 1251445.76 34390.30 10950.15 23440.15 1228005.61
SEPT 1228005.61 34390.30 10745.05 23645.25 1204360.36
OCT 1204360.36 34390.30 10538.15 23852.15 1180508.21
NOV 1180508.21 34390.30 10329.45 24060.85 1156447.36
DEC 1156447.36 34390.30 10118.91 24271.39 1132175.97
JAN 1132175.97 34390.30 9906.54 24483.76 1107692.21
FEB 1107692.21 34390.30 9692.31 24697.99 1082994.22
MARCH 1082994.22 34390.30 9476.20 24914.10 1058080.12
TOTAL 127573.02 285110.58

TERM LOAN SHEDULE AS ON 31.3.2028

MONTH AMOUNT EMI INTEREST PRINCIPLE CLOSING
APRIL 1058080.12 34390.30 9258.20 25132.10 1032948.02
MAY 1032948.02 34390.30 9038.30 25352.00 1007596.02
JUNE 1007596.02 34390.30 8816.47 25573.83 982022.18
JULY 982022.18 34390.30 8592.69 25797.61 956224.57
AUG 956224.57 34390.30 8366.97 26023.33 930201.24
SEPT 930201.24 34390.30 8139.26 26251.04 903950.20
OCT 903950.20 34390.30 7909.56 26480.74 877469.46
NOV 877469.46 34390.30 7677.86 26712.44 850757.02
DEC 850757.02 34390.30 7444.12 26946.18 823810.85
JAN 823810.85 34390.30 7208.34 27181.96 796628.89
FEB 796628.89 34390.30 6970.50 27419.80 769209.09
MARCH 769209.09 34390.30 6730.58 27659.72 741549.37
TOTAL 96152.85 316530.75
 TERM LOAN SHEDULE AS ON 31.3.2029
MONTH AMOUNT EMI INTEREST PRINCIPLE CLOSING
APRIL 741549.37 34390.30 6488.56 27901.74 713647.63
MAY 713647.63 34390.30 6244.42 28145.88 685501.75
JUNE 685501.75 34390.30 5998.14 28392.16 657109.59
JULY 657109.59 34390.30 5749.71 28640.59 628469.00
AUG 628469.00 34390.30 5499.10 28891.20 599577.80
SEPT 599577.80 34390.30 5246.31 29143.99 570433.81
OCT 570433.81 34390.30 4991.30 29399.00 541034.80
NOV 541034.80 34390.30 4734.05 29656.25 511378.56
DEC 511378.56 34390.30 4474.56 29915.74 481462.82
JAN 481462.82 34390.30 4212.80 30177.50 451285.32
FEB 451285.32 34390.30 3948.75 30441.55 420843.77
MARCH 420843.77 34390.30 3682.38 30707.92 390135.85
TOTAL 61270.07 351413.53

TERM LOAN SHEDULE AS ON 31.3.2030

MONTH AMOUNT EMI INTEREST PRINCIPLE CLOSING
APRIL 390135.85 34390.30 3413.69 30976.61 359159.24
MAY 359159.24 34390.30 3142.64 31247.66 327911.58
JUNE 327911.58 34390.30 2869.23 31521.07 296390.51
JULY 296390.51 34390.30 2593.42 31796.88 264593.62
AUG 264593.62 34390.30 2315.19 32075.11 232518.52
SEP 232518.52 34390.30 2034.54 32355.76 200162.75
OCT 200162.75 34390.30 1751.42 32638.88 167523.88
NOV 167523.88 34390.30 1465.83 32924.47 134599.41
DEC 134599.41 34390.30 1177.74 33212.56 101386.86
JAN 101386.86 34390.30 887.14 33503.16 67883.69
FEB 67883.69 34390.30 593.98 33796.32 34087.37
MAR 34087.37 34390.30 298.26 34092.04 4.66

TOTAL 16368.71 189973.09

Assumptions:

1. Production Capacity of Water Bottle is 5000 Bottles per day.

Assuming
Daily Production 5000 Bottles
Yearly Production 365 Days
Total Production 1825000

Assuming one crate 12 Bottles

Total Crate 152083.33

Selling Price one Crate 80.00 Rupes Per Crate

Total Selling Price Per Years 12166667

2. Working shift of 10 hours per day has been considered.

3. Raw Material stock and Finished goods closing stock has been taken for 18 days.

4. Credit period to Sundry Debtors has been given for 20 days.

5. Credit period by the Sundry Creditors has been provided for 15 days

6. Depreciation and Income tax has been taken as per the Income tax Act, 1961.

7. Interest on working Capital Loan and Term loan has been taken at 10.5%.

8. Salary and wages rates are taken as per the Current Market Scenario.

9. Selling Prices & Raw material costing has been increased by 3% & 2% respectively in the
subsequent years.
 DISCLAIMER

The views expressed in this Project Report are advisory in nature. SAMADHAN assume
no financial liability to anyone using the content for any purpose. All the materials and
content contained in Project report is for educational purpose and reflect the views of the
industry which are drawn from various research material sources from internet, experts,
suppliers and various other sources. The actual cost of the project or industry will
have to be taken on case to case basis considering specific requirement of the project,
capacity and type of plant and other specific factors/cost directly related to the
implementation of project. It is intended for general guidance only and must not be
considered a substitute for a competent legal advice provided by a licensed industry
professional. SAMADHAN hereby disclaims any and all liability to any party for any direct,
indirect, implied, punitive, special, incidental or other consequential damages arising
directly or indirectly from any use of the Project Report Content, which is provided as is,
and without warranties.