Project Synopsis

Sr. No. Particulars Details

1 Name of Unit M/s Kesariya Restaurant & Dhaba
2 Constitution Proprietorship
3 Address of Unit Indore Nagpur Highway, Near
Sodalpur Flyover, Sodalpur, Dist.
Harda, (M.P.) - 461228
4 Contact Details +91- 99775-78714
5 Cost of Project ₹ 1,498,130
6 Means of Finance Rs. 10,34,484/- Term Loan from
Bank
Rs. 3,88,740/- Cash Credit Limit
Rs 74,907/- Margin Money
7 Name of Bank Central Bank of India
8 Rate of Interest (p.a.) 10.80%
9 Debt Service Coverage Ratio 2.36
10 Current Ratio 1.35
11 MPBF 186534.96
12 Breakeven Point Maximum 90% at Year 1
13 Projection/ Repayment Period 7 Years/ 84 Months
14 FSSAI Registration Number 21424130000145
15 FSSAI Registration Date 10-Feb-2024
 Promoters Details

Sr. [Link] Details

1 Name Mr. Braj Mohan Solanki
2 Address Ward No. 14, Mali Mohalla, Sodalpur,
Timarni, Dist. Harda, (M.P.) - 461228
3 Date of Birth 15-Dec-1984
4 Phone Number +91- 99775-78714
5 Aadhar Number 9081-3919-0902
6 PAN MLUPS8117F
7 Gender Male
8 Father's Name Mr. Kamal Kishore Solanki
9 Caste OBC - Other Backward Class
 Cost of Project

Sr. [Link] Amount

Purchase of Fixed Assets
Electronics Equipments &
1 Electricals ₹ 453,880
2 Furniture & Fixtures ₹ 435,050
3 Utensils & Crockery ₹ 200,000
Total ₹ 1,088,930

Purchase of Raw Material

Particulars
4 Grocery ₹ 215,000
5 Gas Cylinder ₹ 17,200
6 Beverages & Packed Food Items ₹ 50,000
Total ₹ 282,200

Expenses
7 Rent ₹ 72,000
8 Labour ₹ 40,000
9 Other Expenses ₹ 15,000
Total ₹ 127,000

Total Project Cost ₹ 1,498,130

 Means of Finance

Sr. No. Particulars Percent Amount

1 Towards Setting up of Business

a Promoter's Contribution 5% ₹ 74,907
b Loan from Bank 60% ₹ 898,878
c Subsidy under PMEGP 35% ₹ 524,346
Total ₹ 1,498,130

2 Disbursement Procedure
a Term Loan - For Fixed Assets ₹ 510,138
b Term Loan against Subsidy Portion ₹ 524,346
c Cash Credit Limit - Working Capital ₹ 388,740
Total ₹ 1,423,224
 Employee Details

Sr. No. Category of Employee No of Employee

1 Skilled Labour (Manager) 1

2 Semi Skilled (Supervisor & Cook) 5
3 Unskilled (Labour) 9
Total Salary Cost 15
 Projected Profitability

S. No. Particulars Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7

1 Expected Revenue Per Year ₹ 1,800,000 ₹ 1,980,000 ₹ 2,178,000 ₹ 2,395,800 ₹ 2,635,380 ₹ 2,898,918 ₹ 3,188,810

2 Total Revenue Receipts ₹ 1,800,000 ₹ 1,980,000 ₹ 2,178,000 ₹ 2,395,800 ₹ 2,635,380 ₹ 2,898,918 ₹ 3,188,810

Less: Direct Expenses

3 Raw Material & Consumables ₹ 580,000 ₹ 620,600 ₹ 664,042 ₹ 710,525 ₹ 760,262 ₹ 813,480 ₹ 870,424
4 Labour & Other Direct Expenses ₹ 378,000 ₹ 404,460 ₹ 432,772 ₹ 463,066 ₹ 495,481 ₹ 530,165 ₹ 567,276
5 Opening Stock ₹ - ₹ 200,000 ₹ 380,000 ₹ 545,000 ₹ 690,000 ₹ 800,000 ₹ 880,000
6 Less: Closing Stock ₹ 200,000 ₹ 380,000 ₹ 545,000 ₹ 690,000 ₹ 800,000 ₹ 880,000 ₹ 910,000
7 Total Direct Expenses ₹ 758,000 ₹ 845,060 ₹ 931,814 ₹ 1,028,591 ₹ 1,145,743 ₹ 1,263,645 ₹ 1,407,700

8 Gross Profit ₹ 1,042,000 ₹ 1,134,940 ₹ 1,246,186 ₹ 1,367,209 ₹ 1,489,637 ₹ 1,635,273 ₹ 1,781,110

Less: Indirect Expenses

9 Interest on Term Loan ₹ 106,647 ₹ 94,773 ₹ 81,552 ₹ 66,830 ₹ 50,436 ₹ 32,182 ₹ 11,856
10 Interest on OD/CC ₹ 41,984 ₹ 41,984 ₹ 41,984 ₹ 41,984 ₹ 41,984 ₹ 41,984 ₹ 41,984
11 Administration Expenses ₹ 678,000 ₹ 711,900 ₹ 747,495 ₹ 784,870 ₹ 824,113 ₹ 865,319 ₹ 908,585
12 Depreciation ₹ 108,893 ₹ 98,004 ₹ 88,203 ₹ 79,383 ₹ 71,445 ₹ 64,300 ₹ 57,870

13 Total Indirect Expenses ₹ 935,524 ₹ 946,661 ₹ 959,234 ₹ 973,066 ₹ 987,978 ₹ 1,003,785 ₹ 1,020,295

14 Net Profit Before Tax ₹ 106,476 ₹ 188,279 ₹ 286,952 ₹ 394,143 ₹ 501,659 ₹ 631,488 ₹ 760,815
15 Income Tax ₹ - ₹ - ₹ - ₹ - ₹ - ₹ - ₹ -
16 Net Profit After Tax ₹ 106,476 ₹ 188,279 ₹ 286,952 ₹ 394,143 ₹ 501,659 ₹ 631,488 ₹ 760,815

17 Cash Profit (NPAT + Depreciation) ₹ 215,369 ₹ 286,283 ₹ 375,155 ₹ 473,526 ₹ 573,104 ₹ 695,788 ₹ 818,685
 Projected Balance Sheet

S. No. Particulars Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7

LIABILITITES

Opening Capital of Proprietor ₹ 74,907 ₹ 121,383 ₹ 249,662 ₹ 476,614 ₹ 762,756 ₹ 1,024,415 ₹ 1,295,904
Add: Current Year Profit ₹ 106,476 ₹ 188,279 ₹ 286,952 ₹ 394,143 ₹ 501,659 ₹ 631,488 ₹ 760,815
Less: Drawings ₹ 60,000 ₹ 60,000 ₹ 60,000 ₹ 108,000 ₹ 240,000 ₹ 360,000 ₹ 480,000
1 Closing Capital ₹ 121,383 ₹ 249,662 ₹ 476,614 ₹ 762,756 ₹ 1,024,415 ₹ 1,295,904 ₹ 1,576,719

2 Term Loan from Bank of India ₹ 718,628 ₹ 602,149 ₹ 472,450 ₹ 328,028 ₹ 167,213 ₹ - ₹ -

3 Creditors ₹ 8,056 ₹ 8,619 ₹ 9,223 ₹ 9,868 ₹ 10,559 ₹ 11,298 ₹ 12,089

4 Short Term Overdraft/ Cash Credit ₹ 388,740 ₹ 388,740 ₹ 388,740 ₹ 388,740 ₹ 388,740 ₹ 388,740 ₹ 388,740
5 Current Maturities of Long term Loans ₹ 211,251 ₹ 211,251 ₹ 211,251 ₹ 211,251 ₹ 211,251 ₹ 211,251 ₹ 211,251

A Total ₹ 1,448,057 ₹ 1,460,422 ₹ 1,558,278 ₹ 1,700,644 ₹ 1,802,179 ₹ 1,907,193 ₹ 2,188,799

ASSETS

Gross Fixed Assets ₹ 1,088,930 ₹ 1,088,930 ₹ 1,088,930 ₹ 1,088,930 ₹ 1,088,930 ₹ 1,088,930 ₹ 1,088,930
Less: Accumulated Depreciation ₹ 108,893 ₹ 206,897 ₹ 295,100 ₹ 374,483 ₹ 445,928 ₹ 510,228 ₹ 568,098
6 Net Fixed Assets ₹ 980,037 ₹ 882,033 ₹ 793,830 ₹ 714,447 ₹ 643,002 ₹ 578,702 ₹ 520,832
7 Other Non Current Assets & Deposits ₹ - ₹ - ₹ 50,000 ₹ 150,000 ₹ 200,000 ₹ 300,000 ₹ 500,000

8 Stock ₹ 200,000 ₹ 380,000 ₹ 545,000 ₹ 690,000 ₹ 800,000 ₹ 880,000 ₹ 910,000

9 Debtors ₹ 24,658 ₹ 27,123 ₹ 29,836 ₹ 32,819 ₹ 36,101 ₹ 39,711 ₹ 43,682
10 Cash & Bank Balances ₹ 243,363 ₹ 171,266 ₹ 139,612 ₹ 113,378 ₹ 123,076 ₹ 108,780 ₹ 214,285

B Total ₹ 1,448,057 ₹ 1,460,422 ₹ 1,558,278 ₹ 1,700,644 ₹ 1,802,179 ₹ 1,907,193 ₹ 2,188,799

 Debt- Service Coverage Ratio

S. No. Particulars Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7

1 Net Profit after Tax ₹ 106,476 ₹ 188,279 ₹ 286,952 ₹ 394,143 ₹ 501,659 ₹ 631,488 ₹ 760,815

2 Depreciation ₹ 108,893 ₹ 98,004 ₹ 88,203 ₹ 79,383 ₹ 71,445 ₹ 64,300 ₹ 57,870

3 Interest on Loans ₹ 148,631 ₹ 136,757 ₹ 123,536 ₹ 108,814 ₹ 92,420 ₹ 74,166 ₹ 53,840

A Total ₹ 364,000 ₹ 423,040 ₹ 498,691 ₹ 582,339 ₹ 665,524 ₹ 769,955 ₹ 872,525

4 Interest on Loan ₹ 148,631 ₹ 136,757 ₹ 123,536 ₹ 108,814 ₹ 92,420 ₹ 74,166 ₹ 53,840

5 Repayment of Term Loan ₹ 104,605 ₹ 116,478 ₹ 129,700 ₹ 144,422 ₹ 160,815 ₹ 179,069 ₹ 199,395

B Total ₹ 253,235 ₹ 253,235 ₹ 253,235 ₹ 253,235 ₹ 253,235 ₹ 253,235 ₹ 253,235

C DSCR (A/B) 1.44 1.67 1.97 2.30 2.63 3.04 3.45

Avergae DSCR 2.36

Current Ratio

S. No. Particulars Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7

A Current Assets ₹ 468,020 ₹ 578,389 ₹ 714,448 ₹ 836,197 ₹ 959,177 ₹ 1,028,491 ₹ 1,167,967

B Current Liabilities ₹ 608,047 ₹ 608,611 ₹ 609,214 ₹ 609,860 ₹ 610,551 ₹ 611,290 ₹ 612,081

C Current Ratio (A/B) 0.77 0.95 1.17 1.37 1.57 1.68 1.91

Average Current Ratio 1.35

 Ratio Analysis

S. No. Particulars Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7

1 Sales ₹ 1,800,000 ₹ 1,980,000 ₹ 2,178,000 ₹ 2,395,800 ₹ 2,635,380 ₹ 2,898,918 ₹ 3,188,810

2 Gross Profit ₹ 1,042,000 ₹ 1,134,940 ₹ 1,246,186 ₹ 1,367,209 ₹ 1,489,637 ₹ 1,635,273 ₹ 1,781,110
3 Net Profit before Tax ₹ 106,476 ₹ 188,279 ₹ 286,952 ₹ 394,143 ₹ 501,659 ₹ 631,488 ₹ 760,815
4 Net Profit after Tax ₹ 106,476 ₹ 188,279 ₹ 286,952 ₹ 394,143 ₹ 501,659 ₹ 631,488 ₹ 760,815
5 Net Worth ₹ 121,383 ₹ 249,662 ₹ 476,614 ₹ 762,756 ₹ 1,024,415 ₹ 1,295,904 ₹ 1,576,719
6 Total Debt ₹ 929,879 ₹ 813,401 ₹ 683,701 ₹ 539,279 ₹ 378,464 ₹ 211,251 ₹ 211,251
7 Total Outside Liabilities ₹ 1,326,675 ₹ 1,210,760 ₹ 1,081,664 ₹ 937,888 ₹ 777,764 ₹ 611,290 ₹ 612,081
8 Total Liabilities ₹ 1,448,057 ₹ 1,460,422 ₹ 1,558,278 ₹ 1,700,644 ₹ 1,802,179 ₹ 1,907,193 ₹ 2,188,799
9 Current Assets ₹ 468,020 ₹ 578,389 ₹ 714,448 ₹ 836,197 ₹ 959,177 ₹ 1,028,491 ₹ 1,167,967
10 Current Liabilities ₹ 608,047 ₹ 608,611 ₹ 609,214 ₹ 609,860 ₹ 610,551 ₹ 611,290 ₹ 612,081
11 Cash Profit ₹ 215,369 ₹ 286,283 ₹ 375,155 ₹ 473,526 ₹ 573,104 ₹ 695,788 ₹ 818,685

Calculation of Ratios

S. No. Particulars Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7

1 Gross Profit Ratio 57.89% 57.32% 57.22% 57.07% 56.52% 56.41% 55.86%
2 Net Profit before Tax Ratio 5.92% 9.51% 13.18% 16.45% 19.04% 21.78% 23.86%
3 Net Profit after Tax Ratio 5.92% 9.51% 13.18% 16.45% 19.04% 21.78% 23.86%
4 Return on Net Worth 87.72% 75.41% 60.21% 51.67% 48.97% 48.73% 48.25%
5 Return on Capital Employed 10.13% 17.71% 24.73% 30.27% 35.76% 41.90% 42.55%
6 Debt Equity Ratio 7.66 3.26 1.43 0.71 0.37 0.16 0.13
7 Total Outside Liabilities/ Total Net Worth 10.93 4.85 2.27 1.23 0.76 0.47 0.39
8 Net Worth/ Total Liabilities 8.38% 17.10% 30.59% 44.85% 56.84% 67.95% 72.04%
9 Debt-Service Coverage Ratio 1.44 1.67 1.97 2.30 2.63 3.04 3.45
10 Current Ratio 0.77 0.95 1.17 1.37 1.57 1.68 1.91
 Break Even Point

S. No. Particulars Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7

1 Gross Receipts ₹ 1,800,000 ₹ 1,980,000 ₹ 2,178,000 ₹ 2,395,800 ₹ 2,635,380 ₹ 2,898,918 ₹ 3,188,810

Less: Variable Expenses

2 Cost of Goods Sold ₹ 380,000 ₹ 440,600 ₹ 499,042 ₹ 565,525 ₹ 650,262 ₹ 733,480 ₹ 840,424
3 Labour & Other Direct Expenses
₹ 378,000 ₹ 404,460 ₹ 432,772 ₹ 463,066 ₹ 495,481 ₹ 530,165 ₹ 567,276
4 Other Expenses ₹ - ₹ - ₹ - ₹ - ₹ - ₹ - ₹ -
5 Total ₹ 758,000 ₹ 845,060 ₹ 931,814 ₹ 1,028,591 ₹ 1,145,743 ₹ 1,263,645 ₹ 1,407,700

6 Contribution ₹ 1,042,000 ₹ 1,134,940 ₹ 1,246,186 ₹ 1,367,209 ₹ 1,489,637 ₹ 1,635,273 ₹ 1,781,110

Less: Fixed Expenses

7 Interest on Loans ₹ 148,631 ₹ 136,757 ₹ 123,536 ₹ 108,814 ₹ 92,420 ₹ 74,166 ₹ 53,840
8 Depreciation ₹ 108,893 ₹ 98,004 ₹ 88,203 ₹ 79,383 ₹ 71,445 ₹ 64,300 ₹ 57,870
9 Administration Expenses ₹ 678,000 ₹ 711,900 ₹ 747,495 ₹ 784,870 ₹ 824,113 ₹ 865,319 ₹ 908,585
10 Total ₹ 935,524 ₹ 946,661 ₹ 959,234 ₹ 973,066 ₹ 987,978 ₹ 1,003,785 ₹ 1,020,295

11 Break Even Point 89.78% 83.41% 76.97% 71.17% 66.32% 61.38% 57.28%
 Depreciation

S. No. Particulars Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7

1 Gross Block 1,088,930 1,088,930 1,088,930 1,088,930 1,088,930 1,088,930 1,088,930

2 Opening Value 1,088,930 980,037 882,033 793,830 714,447 643,002 578,702

3 Rate of Depreciation 10% 10% 10% 10% 10% 10% 10%
4 Depreciation 108,893 98,004 88,203 79,383 71,445 64,300 57,870
5 Closing Value 980,037 882,033 793,830 714,447 643,002 578,702 520,832
6 Accumulated Dep 108,893 206,897 295,100 374,483 445,928 510,228 568,098
 Term Loan Repayment Schedule

Opening Interest Principal Closing

S. No Balance EMI Repayment Repayment Balance
1 ₹ 1,034,484 ₹ -17,604 ₹ -9,310 ₹ -8,294 ₹ 1,026,190
2 ₹ 1,026,190 ₹ -17,604 ₹ -9,236 ₹ -8,369 ₹ 1,017,821
3 ₹ 1,017,821 ₹ -17,604 ₹ -9,160 ₹ -8,444 ₹ 1,009,377
4 ₹ 1,009,377 ₹ -17,604 ₹ -9,084 ₹ -8,520 ₹ 1,000,857
5 ₹ 1,000,857 ₹ -17,604 ₹ -9,008 ₹ -8,597 ₹ 992,261
6 ₹ 992,261 ₹ -17,604 ₹ -8,930 ₹ -8,674 ₹ 983,587
7 ₹ 983,587 ₹ -17,604 ₹ -8,852 ₹ -8,752 ₹ 974,835
8 ₹ 974,835 ₹ -17,604 ₹ -8,774 ₹ -8,831 ₹ 966,004
9 ₹ 966,004 ₹ -17,604 ₹ -8,694 ₹ -8,910 ₹ 957,094
10 ₹ 957,094 ₹ -17,604 ₹ -8,614 ₹ -8,990 ₹ 948,103
11 ₹ 948,103 ₹ -17,604 ₹ -8,533 ₹ -9,071 ₹ 939,032
12 ₹ 939,032 ₹ -17,604 ₹ -8,451 ₹ -9,153 ₹ 929,879
13 ₹ 929,879 ₹ -17,604 ₹ -8,369 ₹ -9,235 ₹ 920,644
14 ₹ 920,644 ₹ -17,604 ₹ -8,286 ₹ -9,318 ₹ 911,325
15 ₹ 911,325 ₹ -17,604 ₹ -8,202 ₹ -9,402 ₹ 901,923
16 ₹ 901,923 ₹ -17,604 ₹ -8,117 ₹ -9,487 ₹ 892,436
17 ₹ 892,436 ₹ -17,604 ₹ -8,032 ₹ -9,572 ₹ 882,864
18 ₹ 882,864 ₹ -17,604 ₹ -7,946 ₹ -9,659 ₹ 873,205
19 ₹ 873,205 ₹ -17,604 ₹ -7,859 ₹ -9,745 ₹ 863,460
20 ₹ 863,460 ₹ -17,604 ₹ -7,771 ₹ -9,833 ₹ 853,626
21 ₹ 853,626 ₹ -17,604 ₹ -7,683 ₹ -9,922 ₹ 843,705
22 ₹ 843,705 ₹ -17,604 ₹ -7,593 ₹ -10,011 ₹ 833,694
23 ₹ 833,694 ₹ -17,604 ₹ -7,503 ₹ -10,101 ₹ 823,593
24 ₹ 823,593 ₹ -17,604 ₹ -7,412 ₹ -10,192 ₹ 813,401
25 ₹ 813,401 ₹ -17,604 ₹ -7,321 ₹ -10,284 ₹ 803,117
26 ₹ 803,117 ₹ -17,604 ₹ -7,228 ₹ -10,376 ₹ 792,741
27 ₹ 792,741 ₹ -17,604 ₹ -7,135 ₹ -10,470 ₹ 782,271
28 ₹ 782,271 ₹ -17,604 ₹ -7,040 ₹ -10,564 ₹ 771,707
29 ₹ 771,707 ₹ -17,604 ₹ -6,945 ₹ -10,659 ₹ 761,049
30 ₹ 761,049 ₹ -17,604 ₹ -6,849 ₹ -10,755 ₹ 750,294
31 ₹ 750,294 ₹ -17,604 ₹ -6,753 ₹ -10,852 ₹ 739,442
32 ₹ 739,442 ₹ -17,604 ₹ -6,655 ₹ -10,949 ₹ 728,493
33 ₹ 728,493 ₹ -17,604 ₹ -6,556 ₹ -11,048 ₹ 717,445
34 ₹ 717,445 ₹ -17,604 ₹ -6,457 ₹ -11,147 ₹ 706,298
35 ₹ 706,298 ₹ -17,604 ₹ -6,357 ₹ -11,248 ₹ 695,050
36 ₹ 695,050 ₹ -17,604 ₹ -6,255 ₹ -11,349 ₹ 683,701
37 ₹ 683,701 ₹ -17,604 ₹ -6,153 ₹ -11,451 ₹ 672,250
38 ₹ 672,250 ₹ -17,604 ₹ -6,050 ₹ -11,554 ₹ 660,696
39 ₹ 660,696 ₹ -17,604 ₹ -5,946 ₹ -11,658 ₹ 649,038
40 ₹ 649,038 ₹ -17,604 ₹ -5,841 ₹ -11,763 ₹ 637,275
41 ₹ 637,275 ₹ -17,604 ₹ -5,735 ₹ -11,869 ₹ 625,406
42 ₹ 625,406 ₹ -17,604 ₹ -5,629 ₹ -11,976 ₹ 613,431
43 ₹ 613,431 ₹ -17,604 ₹ -5,521 ₹ -12,083 ₹ 601,347
44 ₹ 601,347 ₹ -17,604 ₹ -5,412 ₹ -12,192 ₹ 589,155
45 ₹ 589,155 ₹ -17,604 ₹ -5,302 ₹ -12,302 ₹ 576,853
46 ₹ 576,853 ₹ -17,604 ₹ -5,192 ₹ -12,413 ₹ 564,441
47 ₹ 564,441 ₹ -17,604 ₹ -5,080 ₹ -12,524 ₹ 551,916
48 ₹ 551,916 ₹ -17,604 ₹ -4,967 ₹ -12,637 ₹ 539,279
49 ₹ 539,279 ₹ -17,604 ₹ -4,854 ₹ -12,751 ₹ 526,529
50 ₹ 526,529 ₹ -17,604 ₹ -4,739 ₹ -12,866 ₹ 513,663
51 ₹ 513,663 ₹ -17,604 ₹ -4,623 ₹ -12,981 ₹ 500,682
52 ₹ 500,682 ₹ -17,604 ₹ -4,506 ₹ -13,098 ₹ 487,584
53 ₹ 487,584 ₹ -17,604 ₹ -4,388 ₹ -13,216 ₹ 474,368
54 ₹ 474,368 ₹ -17,604 ₹ -4,269 ₹ -13,335 ₹ 461,033
55 ₹ 461,033 ₹ -17,604 ₹ -4,149 ₹ -13,455 ₹ 447,578
56 ₹ 447,578 ₹ -17,604 ₹ -4,028 ₹ -13,576 ₹ 434,002
57 ₹ 434,002 ₹ -17,604 ₹ -3,906 ₹ -13,698 ₹ 420,303
58 ₹ 420,303 ₹ -17,604 ₹ -3,783 ₹ -13,822 ₹ 406,482
59 ₹ 406,482 ₹ -17,604 ₹ -3,658 ₹ -13,946 ₹ 392,536
60 ₹ 392,536 ₹ -17,604 ₹ -3,533 ₹ -14,071 ₹ 378,464
61 ₹ 378,464 ₹ -17,604 ₹ -3,406 ₹ -14,198 ₹ 364,266
62 ₹ 364,266 ₹ -17,604 ₹ -3,278 ₹ -14,326 ₹ 349,940
63 ₹ 349,940 ₹ -17,604 ₹ -3,149 ₹ -14,455 ₹ 335,486
64 ₹ 335,486 ₹ -17,604 ₹ -3,019 ₹ -14,585 ₹ 320,901
65 ₹ 320,901 ₹ -17,604 ₹ -2,888 ₹ -14,716 ₹ 306,184
66 ₹ 306,184 ₹ -17,604 ₹ -2,756 ₹ -14,849 ₹ 291,336
67 ₹ 291,336 ₹ -17,604 ₹ -2,622 ₹ -14,982 ₹ 276,354
68 ₹ 276,354 ₹ -17,604 ₹ -2,487 ₹ -15,117 ₹ 261,236
69 ₹ 261,236 ₹ -17,604 ₹ -2,351 ₹ -15,253 ₹ 245,983
70 ₹ 245,983 ₹ -17,604 ₹ -2,214 ₹ -15,390 ₹ 230,593
71 ₹ 230,593 ₹ -17,604 ₹ -2,075 ₹ -15,529 ₹ 215,064
72 ₹ 215,064 ₹ -17,604 ₹ -1,936 ₹ -15,669 ₹ 199,395
73 ₹ 199,395 ₹ -17,604 ₹ -1,795 ₹ -15,810 ₹ 183,585
74 ₹ 183,585 ₹ -17,604 ₹ -1,652 ₹ -15,952 ₹ 167,633
75 ₹ 167,633 ₹ -17,604 ₹ -1,509 ₹ -16,096 ₹ 151,538
76 ₹ 151,538 ₹ -17,604 ₹ -1,364 ₹ -16,240 ₹ 135,297
77 ₹ 135,297 ₹ -17,604 ₹ -1,218 ₹ -16,387 ₹ 118,911
78 ₹ 118,911 ₹ -17,604 ₹ -1,070 ₹ -16,534 ₹ 102,377
79 ₹ 102,377 ₹ -17,604 ₹ -921 ₹ -16,683 ₹ 85,694
80 ₹ 85,694 ₹ -17,604 ₹ -771 ₹ -16,833 ₹ 68,861
81 ₹ 68,861 ₹ -17,604 ₹ -620 ₹ -16,985 ₹ 51,876
82 ₹ 51,876 ₹ -17,604 ₹ -467 ₹ -17,137 ₹ 34,739
83 ₹ 34,739 ₹ -17,604 ₹ -313 ₹ -17,292 ₹ 17,447
84 ₹ 17,447 ₹ -17,604 ₹ -157 ₹ -17,447 ₹ -0
₹ -1,478,760 ₹ -444,276 ₹ -1,034,484
 CREDIT MONITORING ARRANGEMENT
FORM - I
Particulars of the existing/proposed limits from the banking system
(Limits from all Banks and Financial Institutions as on date of application)

M/s Kesariya Restaurant & Dhaba (Prop: Braj Mohan Solanki)

[Link]. Name of Bank/ Extent to which limits Balance Limits now

Financial Institution were utilised during o/s as on Required
the last 12 months
Max. Min. 31-03-23
(1) (5) (6) (7) (8)

A. Working Capital Limits: 0.00 0.00 0.00 388740.00

B. Letter of Credit 0.00

0.00 0.00 0.00 388740.00

Compiled by : Anuj Agrawal Associates

M/s Kesariya Restaurant & Dhaba (Prop: Braj Mohan Solanki)
Form II
OPERATING STATEMENT

S. No. Particulars Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7

Projected Projected Projected Projected Projected Projected Projected

1 Gross Sales
a] Domestic Sales 1800000.00 1980000.00 2178000.00 2395800.00 2635380.00 2898918.00 3188809.80
b] Export Sales 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total 1800000.00 1980000.00 2178000.00 2395800.00 2635380.00 2898918.00 3188809.80
2 Less:Excise duty & Taxes 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 Net Sales (1-2) 1800000.00 1980000.00 2178000.00 2395800.00 2635380.00 2898918.00 3188809.80
4 %age rise (+) or fall (-) in net sales as NA 10.00% 10.00% 10.00% 10.00% 10.00% 10.00%
compared to previous years
5 Cost of Good sold
Raw Material/ Purchase of Stock in Trade
( including stores and other items used in
manufacturing)
a. Imported
b. Indigenous 580000.00 620600.00 664042.00 710524.94 760261.69 813480.00 870423.60
6 Insurance
a. Stored Foodgrains
b. Building & Machinery
Sub Total 580000.00 620600.00 664042.00 710524.94 760261.69 813480.00 870423.60
Add: Opening Stock- in-progress 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Deduct: Closing Stock-in-progress 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7 Cost of Production 580000.00 620600.00 664042.00 710524.94 760261.69 813480.00 870423.60
Add: Opening Stock of Finished Goods 0.00 200000.00 380000.00 545000.00 690000.00 800000.00 880000.00
Deduct: Closing Stock of Finished Goods 200000.00 380000.00 545000.00 690000.00 800000.00 880000.00 910000.00
8 Cost of Good Sold 380000.00 440600.00 499042.00 565524.94 650261.69 733480.00 840423.60
9 Manufacturing & Administrative Expenses 1056000.00 1116360.00 1180267.20 1247936.00 1319594.13 1395483.45 1475860.92

Compiled by : Anuj Agrawal Associates

M/s Kesariya Restaurant & Dhaba (Prop: Braj Mohan Solanki)
10 Operating profit before interest 364000.00 423040.00 498690.80 582339.06 665524.18 769954.54 872525.28
11 Interest on Term Loan 106646.81 94773.17 81551.77 66829.60 50436.33 32182.27 11856.19
12 Interest on OD/CC 41983.92 41983.92 41983.92 41983.92 41983.92 41983.92 41983.92
13 Depreciation 108893.02 98003.71 88203.34 79383.01 71444.71 64300.24 57870.21
14 Operating profit after interest 106476.26 188279.19 286951.77 394142.52 501659.22 631488.12 760814.96
15 Add: Other non-operating income
a] Discount Received 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Sub-total (income) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Less: Other non-operating expenses 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Sub-total (expenses) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
16 Profit before tax/loss 106476.26 188279.19 286951.77 394142.52 501659.22 631488.12 760814.96
17 Provision for taxes 0.00 0.00 0.00 0.00 0.00 0.00 0.00
18 Net profit/loss (19-20) 106476.26 188279.19 286951.77 394142.52 501659.22 631488.12 760814.96
19 Equity Dividend Paid
20 Retained Profit 106476.26 188279.19 286951.77 394142.52 501659.22 631488.12 760814.96
Cash Accrual
Net Profit 106476.26 188279.19 286951.77 394142.52 501659.22 631488.12 760814.96
Depreciation 108893.02 98003.71 88203.34 79383.01 71444.71 64300.24 57870.21
Interest 148630.73 136757.09 123535.69 108813.52 92420.25 74166.19 53840.11
21 Cash Accrual 364000.00 423040.00 498690.80 582339.06 665524.18 769954.54 872525.28

Compiled by : Anuj Agrawal Associates

M/s Kesariya Restaurant & Dhaba (Prop: Braj Mohan Solanki)
FORM - III
ANALYSIS OF BALANCE SHEET
[Link]. Particulars Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7
Projected Projected Projected Projected Projected Projected Projected
CURRENT LIABILITIES:
1 Shorter-term borrowings from banks (including
bills purchased, discounted & excess
borrowings placed on repayment basis)
From Applicant Bank 388740.00 388740.00 388740.00 388740.00 388740.00 388740.00 388740.00
Sub-total (A) 388740.00 388740.00 388740.00 388740.00 388740.00 388740.00 388740.00

2 Short-term borrowings from others 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 Sundry creditors (trade) 8055.56 8619.44 9222.81 9868.40 10559.19 11298.33 12089.22
4 Advance payments from customers/
deposits from dealers 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5 Provisions for taxation 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6 Other statutory liabilities 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7 Bank Loan Installment 211251.40 211251.40 211251.40 211251.40 211251.40 211251.40 211251.40
(due within one year)
8 Sub-total (B) (2 to 7) 219306.95 219870.84 220474.20 221119.80 221810.59 222549.73 223340.61
9 Total current liabilities (A+B) 608046.95 608610.84 609214.20 609859.80 610550.59 611289.73 612080.61

TERM LIABILITIES:
10 Term loans (Excluding instalments payable 718627.66 602149.44 472449.80 328028.01 167212.94 0.00 0.00
within one year)
11 Other term liabilities 0.00 0.00 0.00 0.00 0.00 0.00 0.00
12 Total Term Liabilities (10+11) 718627.66 602149.44 472449.80 328028.01 167212.94 0.00 0.00
13 Total Outside Liabilities (9+12) 1326674.61 1210760.28 1081664.01 937887.81 777763.53 611289.73 612080.61

NET WORTH:
14 Capital 74906.51 121382.77 249661.96 476613.73 762756.25 1024415.48 1295903.60
15 Surplus (+) or deficit (-) in Profit & Loss Account 106476.26 188279.19 286951.77 394142.52 501659.22 631488.12 760814.96
16 Add: Capital Introduced
17 Less: Withdrawals 60000.00 60000.00 60000.00 108000.00 240000.00 360000.00 480000.00
18 Net Worth 121382.77 249661.96 476613.73 762756.25 1024415.48 1295903.60 1576718.55
19 Total Liabilities (13+18) 1448057.38 1460422.24 1558277.74 1700644.06 1802179.01 1907193.33 2188799.17

Compiled by : Anuj Agrawal Associates

M/s Kesariya Restaurant & Dhaba (Prop: Braj Mohan Solanki)

[Link]. Particulars Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7

Projected Projected Projected Projected Projected Projected Projected
20 Cash and Bank Balances 243362.70 171265.52 139612.03 113377.81 123075.54 108779.99 214284.92
21 Investment (other than long-term investments)
Investment (other than long-term
investments) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
22 Receivables other than deferred &
exports (including bills purchased &
discounted by banks) 24657.53 27123.29 29835.62 32819.18 36101.10 39711.21 43682.33
23 Instalments of deferred receivables
(due within one year) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
24 Inventory:
Finished goods 200000.00 380000.00 545000.00 690000.00 800000.00 880000.00 910000.00
25 Advances to suppliers of raw materials &
stores/spares 0.00 0.00 0.00 0.00 0.00 0.00 0.00
26 Advance payment of taxes 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Sundry Deposits & Advances 0.00 0.00 0.00 0.00 0.00 0.00 0.00
27 Other current assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00
28 Total Current Assets (Total of 20 to 27) 468020.24 578388.81 714447.65 836196.99 959176.64 1028491.20 1167967.25

FIXED ASSETS:
29 Gross Block (land & building machinery, 1088930.16 1088930.16 1088930.16 1088930.16 1088930.16 1088930.16 1088930.16
work-in-progress)
30 Accumulated Depreciation 108893.02 206896.73 295100.07 374483.08 445927.79 510228.03 568098.24
31 Net Block (29-30) 980037.14 882033.43 793830.09 714447.08 643002.37 578702.13 520831.92

OTHER NON-CURRENT ASSETS:

32 Other Non Current Asset 0.00 0.00 50000.00 150000.00 200000.00 300000.00 500000.00
33 Total other non-current Assets 0.00 0.00 50000.00 150000.00 200000.00 300000.00 500000.00
34 Intangible assets (patents, goodwill, preliminary
expenses, bad/doubtful debts not provided for etc.) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
35 Total Assets (Total of 28,31,33& 34) 1448057.38 1460422.24 1558277.74 1700644.06 1802179.01 1907193.33 2188799.17
36 Tangible net worth (18-34) 121382.77 249661.96 476613.73 762756.25 1024415.48 1295903.60 1576718.55
37 Net Working Capital [(12+18)-(31+33+34)]
to tally with (28-9) -140026.72 -30222.03 105233.45 226337.19 348626.05 417201.46 555886.63

Compiled by : Anuj Agrawal Associates

M/s Kesariya Restaurant & Dhaba (Prop: Braj Mohan Solanki)

FORM - IV
COMPARATIVE STATEMENT OF CURRENT ASSETS & CURRENT LIABILITIES

[Link]. Particulars Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7

Projected Projected Projected Projected Projected Projected Projected

A. CURRENT ASSETS:

1 Finished goods 200000.00 380000.00 545000.00 690000.00 800000.00 880000.00 910000.00

2 Receivables other than export & deferred
receivables (including bills purchased &
discounted by bankers) 24657.53 27123.29 29835.62 32819.18 36101.10 39711.21 43682.33
3 Export receivables (including bills purchased &
discounted) Months' export sales 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 Advances to suppliers of raw materials &
stores/spares, consumables 0.00 0.00 0.00 0.00 0.00 0.00 0.00
S.D. & Withhold Money 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5 OTHER CURRENT ASSETS:
Cash & Bank Balances 243362.70 171265.52 139612.03 113377.81 123075.54 108779.99 214284.92
Advance Payment of Tax 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Misc. Other Current Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6 Total current Assets (To agree with
item 28 in Form III) 468020.24 578388.81 714447.65 836196.99 959176.64 1028491.20 1167967.25
B. CURRENT LIABILITIES:
(Other than bank borrowings for
working capital)

7 Creditors for purchase of raw materials,

stores & consumable spares 8055.56 8619.44 9222.81 9868.40 10559.19 11298.33 12089.22
8 Current Maturities of Long term debts 211251.40 211251.40 211251.40 211251.40 211251.40 211251.40 211251.40
9 Statutory liabilities 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10 Other current liabilities (specify major items)
Provision for Taxation 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other current liabilities 0.00 0.00 0.00 0.00 0.00 0.00 0.00
11 Total 219306.95 219870.84 220474.20 221119.80 221810.59 222549.73 223340.61

Compiled by : Anuj Agrawal Associates

M/s Kesariya Restaurant & Dhaba (Prop: Braj Mohan Solanki)
FORM - V
COMPUTATION OF MAXIMUM PERMISSIBLE BANK FINANCE FOR WORKING CAPITAL

[Link]. Particulars Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7

Projected Projected Projected Projected Projected Projected Projected
METHOD I BY TONDON COMMITTEE
1 Total Current Assets 468020.24 578388.81 714447.65 836196.99 959176.64 1028491.20 1167967.25
2 Other Current Liabilities (Other Than Bank Borrowings) 219306.95 219870.84 220474.20 221119.80 221810.59 222549.73 223340.61
3 Working Capital Gap (1-2) 248713.28 358517.97 493973.45 615077.19 737366.05 805941.46 944626.63
4 25% of Working Capital Gap 62178.32 89629.49 123493.36 153769.30 184341.51 201485.37 236156.66
5 MPBF (3-4) 186534.96 268888.47 370480.09 461307.89 553024.54 604456.10 708469.98

METHOD II BY NAYAK COMMITTEE

1 Turnover 1800000.00 1980000.00 2178000.00 2395800.00 2635380.00 2898918.00 3188809.80
2 Working Capital Gap (25% of Turnover) 450000.00 495000.00 544500.00 598950.00 658845.00 724729.50 797202.45
3 Promoter Margin 5% 90000.00 99000.00 108900.00 119790.00 131769.00 144945.90 159440.49
4 MPBF (2-3) 360000.00 396000.00 435600.00 479160.00 527076.00 579783.60 637761.96

METHOD III BY NAYAK COMMITTEE

1 Turnover 1800000.00 1980000.00 2178000.00 2395800.00 2635380.00 2898918.00 3188809.80
2 Working Capital Gap (25% of Turnover) 450000.00 495000.00 544500.00 598950.00 658845.00 724729.50 797202.45
3 Promoter Margin 5% 90000.00 99000.00 108900.00 119790.00 131769.00 144945.90 159440.49
4 MPBF (2-3) 360000.00 396000.00 435600.00 479160.00 527076.00 579783.60 637761.96

Compiled by : Anuj Agrawal Associates

M/s Kesariya Restaurant & Dhaba (Prop: Braj Mohan Solanki)
FORM - VI
FUND FLOW STATEMENT

[Link]. Particulars Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7

Projected Projected Projected Projected Projected Projected Projected

1 SOURCES:
Net profit (after tax) 106476.26 188279.19 286951.77 394142.52 501659.22 631488.12 760814.96
Depreciation 108893.02 98003.71 88203.34 79383.01 71444.71 64300.24 57870.21
Increase in Capital 121382.77 128279.19 226951.77 286142.52 261659.22 271488.12 280814.96
Increase in Term Liabilities 718627.66 0.00 0.00 0.00 0.00 0.00 0.00
(including Public deposits)
Decrease in
Fixed Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other non-current assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Others - Decrease in tangible assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total 1055379.70 414562.10 602106.88 759668.06 834763.16 967276.47 1099500.13

2 USES:
Decrease in Capital 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Decrease in term Liabilities 0.00 116478.23 129699.63 144421.79 160815.07 167212.94 0.00
(including public deposits)
Increase in
Fixed Assets 1088930.16 0.00 0.00 0.00 0.00 0.00 0.00
Other non-current assets 0.00 0.00 50000.00 100000.00 50000.00 100000.00 200000.00
Withdrawal 60000.00 60000.00 60000.00 108000.00 240000.00 360000.00 480000.00
Total 1148930.16 176478.23 239699.63 352421.79 450815.07 627212.94 680000.00
3 Long-term Surplus (+)/Deficit (-) (1-2) -93550.46 238083.88 362407.25 407246.26 383948.09 340063.53 419500.13

4 Increase/decrease in current assets 468020.24 110368.57 136058.84 121749.33 122979.65 69314.56 139476.05
5 Increase/decrease in current liabilities other
than Bank borrowings 219306.95 563.89 603.36 645.60 690.79 739.14 790.88
6 Increase/decrease in working capital gap 248713.28 109804.68 135455.48 121103.74 122288.87 68575.41 138685.17
7 Net surplus (+)/deficit (-) (Difference of 3 & 6) -342263.74 128279.19 226951.77 286142.52 261659.22 271488.12 280814.96
8 Increase/decrease in Bank borrowings 388740.00 0.00 0.00 0.00 0.00 0.00 0.00

Compiled by : Anuj Agrawal Associates

M/s Kesariya Restaurant & Dhaba (Prop: Braj Mohan Solanki)
KEY FINANCIAL INDICATORS:

[Link]. Particulars Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7

Projected Projected Projected Projected Projected Projected Projected
1 Gross Sales / Receipts 1800000.00 1980000.00 2178000.00 2395800.00 2635380.00 2898918.00 3188809.80
2 %age growth in gross sales over the PY NA 10.00% 10.00% 10.00% 10.00% 10.00% 10.00%

3 Operating Profit before interest 364000.00 423040.00 498690.80 582339.06 665524.18 769954.54 872525.28
Operating Profit margin(%) 20.22% 21.37% 22.90% 24.31% 25.25% 26.56% 27.36%

4 Net Profit 106476.26 188279.19 286951.77 394142.52 501659.22 631488.12 760814.96

Net profit margin (%) 5.92% 9.51% 13.18% 16.45% 19.04% 21.78% 23.86%

5 Cash Profit 215369.27 286282.91 375155.11 473525.53 573103.93 695788.36 818685.17

6 Current ratio 0.77 0.95 1.17 1.37 1.57 1.68 1.91

7 Net Working Capital -140026.72 -30222.03 105233.45 226337.19 348626.05 417201.46 555886.63

8 Tangible Networth 121382.77 249661.96 476613.73 762756.25 1024415.48 1295903.60 1576718.55

9 TOL/TNW 10.93 4.85 2.27 1.23 0.76 0.47 0.39

10 Networth/ Total Liabilities 8.38% 17.10% 30.59% 44.85% 56.84% 67.95% 72.04%

11 Stock Turnover Ratio 9.00 5.21 4.00 3.47 3.29 3.29 3.50

12 Interest Covergae Ratio 1.72 2.38 3.32 4.62 6.43 9.51 15.13

Compiled by : Anuj Agrawal Associates