2024
PROJECT
REPORT
Travel agency
finline address
Project at a glance
Name & Address of Unit
Travel agency
finline address,123456
Activity : Travel agency
Email : sample@[Link]
Phone : 1234567890
Constitution : Proprietorship
Scheme : sme
Number of employment : 5
Total project cost : 825.00
Fixed Capital : 700.00
Working Capital : 125.00
Total Bank loan : 625.00
Promoter(s) contribution : 200.00
Term loan : 525.00 Interest : 11.00 %
Working capital loan : 100.00 Interest : 11.00 %
Name & address of promoter(s)
Name : finline sample project
Address : finline address
Phone : 1234567890
Designation : Founder
Category : na
E-mail : sample@[Link]
Project Feasibility Ratio
Debt Service Coverage Ratio (Average) : -92.71
Current ratio (Average) : -259.36
Year 1 Year 2 Year 3 Year 4 Year 5
Current ratio -23.01 -130.09 -247.73 -376.98 -519.02
Quick ratio -23.01 -130.09 -247.73 -376.98 -519.02
Interest coverage ratio -194.90 -167.36 -218.00 -301.84 -466.72
Debt equity ratio 0.28 0.05 0.02 0.01 0.01
TOL/TNW 0.28 0.05 0.02 0.01 0.01
DSCR -105.30 -77.21 -84.92 -93.41 -102.74
Gross profit Sales Percentage % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 %
Net profit Sales Percentage % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 %
Return On Capital Employed 1.41 0.85 0.48 0.34 0.27
Net profit Sales % Quick ratio
Project Feasibility graph
Revenue v/s Expense
Expense Splitup
Introduction
The Indian tourism and hospitality industry has emerged as one of the key drivers of growth among the
services sector in India. Tourism in India has significant potential considering the rich cultural and historical
heritage, variety in ecology, terrains and places of natural beauty spread across the country. Tourism is also a
potentially large employment generator besides being a significant source of foreign exchange for the
[Link] Indian travel industry has been one of the major contributors to the India growth story. Large
population, increasing per capita incomes and the zeal to explore the world have been the primary drivers for
the growing travel market in [Link] industry is also vulnerable to the growing geopolitical and technological
events and disruptions. Technological disruptions caused by emergence of online travel aggregators has
enhanced transparency resulting in massive competitive onslaught between travel service providers and travel
management companies in providing the best in class services to business travellers. India was the tenth
largest business travel market with spends of INR 1,996 billion in 2019 and will be the fastest growing market
in the world led by favorable political, economic and demographic factors. Also the increased connectivity,
greater infrastructure and the migration of youth within the country and travel for business and sightseeing is
on the higher side. Tourism is also booming as post covid people are looking for safe and responsible
touristlocations and safer place to stay. So the demand for a tour operator / travel agent is on the higher side .
Market potential & Strategy
The demand for the travel industry is on the higher side. Increasing number of travellers, especially on the
untapped market like pilgrimage, school-college tours , specific honeymoon packages ec can make real
wonders in the business. To buld a good rapport with the custmers are very improtant in this business as its
more of a relationshp basis business than anything else. We created the plan based on the local needs around
us and to grow with that niche market is what we thought. We ensure safe and protected journey to our
passengers post Covid.
Project Cost
Sl. no Item Amount Rs.
1 machinery /Equipments 100.00
2 Furniture & fixtures 100.00
3 Racks & storage 100.00
4 Computers/ Printers /Photocopier/Electronic gadget 100.00
5 Vehicle 100.00
6 Electrification & Electricity backup 100.00
7 Software purchase 100.00
8 Working Capital 125.00
Total 825.00
Working Capital Computation
Sl. no Item Amount Rs.
1 Working expense. 125.00
2 Total working capital 125.00
3 Own Contribution 25.00
4 Working capital loan 100.00
Total Yearly Expense
Expense is calculated from January 2024 .
Sl. no Item Amount Rs.
1 Salary 300.00
2 Repairs and maintenance charges 300.00
3 Electricity/Gas charges 300.00
4 Stationary expenses 300.00
5 Purchase consumables/ spare part 300.00
6 Transportation cost 300.00
7 Telephone/Postal &internet charge 300.00
8 Marketing & advertising cost 300.00
Total 2,400.00
Application of Fund
Sl. no Item Subsidy % No. Rate Amount Rs.
1 machinery /Equipments 0.00 1 100.00 100.00
2 Furniture & fixtures 0.00 1 100.00 100.00
3 Racks & storage 0.00 1 100.00 100.00
4 Computers/ Printers /Photocopier/Electronic gadget 0.00 1 100.00 100.00
5 Vehicle 0.00 1 100.00 100.00
6 Electrification & Electricity backup 0.00 1 100.00 100.00
7 Software purchase 0.00 1 100.00 100.00
Total Investment 700.00
Total Subsidy 0.00
Net Investment 700.00
Means of Finance
Sl. no Item Amount
1 Term Loan 525.00
2 Working capital Loan 100.00
3 Total loan 625.00
4 Promoters contribution on term loan 175.00
5 Promoters contribution on working capital loan 25.00
Profitability Statement
All figures are in lakhs
31/03/24 31/03/25 31/03/26 31/03/27 31/03/28
Revenue from operation
Add :
Closing stock 0 0 0 0 0
Total 0 0 0 0 0
Less :
Opening stock 0 0 0 0 0
Purchase consumables/ spare part 0.0030 0.013 0.015 0.016 0.018
Salary 0.0030 0.013 0.015 0.016 0.018
Repairs and maintenance charges 0.0030 0.013 0.015 0.016 0.018
Electricity/Gas charges 0.0030 0.013 0.015 0.016 0.018
Total 0.012 0.053 0.058 0.064 0.070
Gross profit -0.012 -0.053 -0.058 -0.064 -0.070
Less :
Stationary expenses 0.0030 0.013 0.015 0.016 0.018
Transportation cost 0.0030 0.013 0.015 0.016 0.018
Telephone/Postal &internet charge 0.0030 0.013 0.015 0.016 0.018
Marketing & advertising cost 0.0030 0.013 0.015 0.016 0.018
Total 0.012 0.053 0.058 0.064 0.070
Profit before interest, tax and depreciation -0.024 -0.11 -0.12 -0.13 -0.14
Depreciation 0 0 0 0 0
Interest on TL 0 0 0 0 0
Interest on WC 0 0 0 0 0
Profit before tax -0.024 -0.11 -0.12 -0.13 -0.14
Income Tax 0 0 0 0 0
Profit after tax -0.024 -0.11 -0.12 -0.13 -0.14
Cash flow statement
All figures are in lakhs
Cash Inflow Pre operative period 31/03/24 31/03/25 31/03/26 31/03/27 31/03/28
Capital 0.0018 0 0 0 0 0
Subsidy 0 0 0 0 0 0
Termloan 0.0053 0 0 0 0 0
Profit before tax with interest 0 -0.024 -0.11 -0.12 -0.13 -0.14
Increase in WC loan 0 0.0010 0 0 0 0
Depreciation 0 0 0 0 0 0
Increase in Current liability 0 0 0 0 0 0
Total Cash Inflow 0.0070 -0.023 -0.11 -0.12 -0.13 -0.14
Cash Outflow
Fixed Assets 0.0070 0 0 0 0 0
Increase in Current asset 0 0 0 0 0
Interest on TL 0 0 0 0 0 0
Interest on WC 0 0 0 0 0 0
Income Tax 0 0 0 0 0 0
Decrease in Term loan 0 0 0 0.0011 0.0012
Drawing 0 0 0 0 0 0
Total Cash Outflow 0.0070 0 0.0015 0.0015 0.0015 0.0015
Opening balance 0 0 -0.023 -0.13 -0.25 -0.38
Net Cashflow 0 -0.023 -0.11 -0.12 -0.13 -0.14
Closing balance 0 -0.023 -0.13 -0.25 -0.38 -0.52
Balance sheet
All figures are in lakhs
Liability Pre operative period As of 31/03/24 31/03/25 31/03/26 31/03/27 31/03/28
A. Share holders funds
Capital 0.0018 0.0020 0.0020 0.0020 0.0020 0.0020
Reserve & Surplus 0 -0.024 -0.13 -0.25 -0.38 -0.52
[Link] current Liabilities
Termloan 0.0053 0.0051 0.0043 0.0033 0.0023 0.0011
[Link] Liabilities
Working capital loan 0 0.0010 0.0010 0.0010 0.0010 0.0010
Account payable 0 0 0 0 0
Total Liability 0.0070 -0.016 -0.12 -0.24 -0.37 -0.51
Asset
A. Non current Assets
Fixed Assets 0.0070 0.0069 0.0064 0.0060 0.0056 0.0053
B. Current Assets
Inventory 0 0 0 0 0 0
Trade receivables 0 0 0 0 0 0
Cash and cash equivalence 0 -0.023 -0.13 -0.25 -0.38 -0.52
Total Asset 0.0070 -0.016 -0.12 -0.24 -0.37 -0.51
Repayment of Term loan
All figures are in lakhs
Year Month Installment Outstanding at the beginning Principal repayment Interest Amount paid Outstanding at the end
1 Feb 2024 1 0.0053 0 0 0 0.0052
1 Mar 2024 2 0.0052 0 0 0 0.0051
2 Apr 2024 3 0.0051 0 0 0 0.0051
2 May 2024 4 0.0051 0 0 0 0.0050
2 Jun 2024 5 0.0050 0 0 0 0.0049
2 Jul 2024 6 0.0049 0 0 0 0.0048
2 Aug 2024 7 0.0048 0 0 0 0.0048
2 Sep 2024 8 0.0048 0 0 0 0.0047
2 Oct 2024 9 0.0047 0 0 0 0.0046
2 Nov 2024 10 0.0046 0 0 0 0.0046
2 Dec 2024 11 0.0046 0 0 0 0.0045
2 Jan 2025 12 0.0045 0 0 0 0.0044
2 Feb 2025 13 0.0044 0 0 0 0.0043
2 Mar 2025 14 0.0043 0 0 0 0.0043
3 Apr 2025 15 0.0043 0 0 0 0.0042
3 May 2025 16 0.0042 0 0 0 0.0041
3 Jun 2025 17 0.0041 0 0 0 0.0040
3 Jul 2025 18 0.0040 0 0 0 0.0040
3 Aug 2025 19 0.0040 0 0 0 0.0039
3 Sep 2025 20 0.0039 0 0 0 0.0038
3 Oct 2025 21 0.0038 0 0 0 0.0037
3 Nov 2025 22 0.0037 0 0 0 0.0036
3 Dec 2025 23 0.0036 0 0 0 0.0036
3 Jan 2026 24 0.0036 0 0 0 0.0035
3 Feb 2026 25 0.0035 0 0 0 0.0034
3 Mar 2026 26 0.0034 0 0 0 0.0033
4 Apr 2026 27 0.0033 0 0 0 0.0032
4 May 2026 28 0.0032 0 0 0 0.0032
4 Jun 2026 29 0.0032 0 0 0 0.0031
4 Jul 2026 30 0.0031 0 0 0 0.0030
4 Aug 2026 31 0.0030 0 0 0 0.0029
4 Sep 2026 32 0.0029 0 0 0 0.0028
4 Oct 2026 33 0.0028 0 0 0 0.0027
4 Nov 2026 34 0.0027 0 0 0 0.0026
4 Dec 2026 35 0.0026 0 0 0 0.0025
4 Jan 2027 36 0.0025 0 0 0 0.0025
4 Feb 2027 37 0.0025 0 0 0 0.0024
Year Month Installment Outstanding at the beginning Principal repayment Interest Amount paid Outstanding at the end
4 Mar 2027 38 0.0024 0 0 0 0.0023
5 Apr 2027 39 0.0023 0 0 0 0.0022
5 May 2027 40 0.0022 0 0 0 0.0021
5 Jun 2027 41 0.0021 0 0 0 0.0020
5 Jul 2027 42 0.0020 0 0 0 0.0019
5 Aug 2027 43 0.0019 0 0 0 0.0018
5 Sep 2027 44 0.0018 0 0 0 0.0017
5 Oct 2027 45 0.0017 0 0 0 0.0016
5 Nov 2027 46 0.0016 0 0 0 0.0015
5 Dec 2027 47 0.0015 0 0 0 0.0014
5 Jan 2028 48 0.0014 0 0 0 0.0013
5 Feb 2028 49 0.0013 0 0 0 0.0012
5 Mar 2028 50 0.0012 0 0 0 0.0011
6 Apr 2028 51 0.0011 0 0 0 0
6 May 2028 52 0 0 0 0 0
6 Jun 2028 53 0 0 0 0 0
6 Jul 2028 54 0 0 0 0 0
6 Aug 2028 55 0 0 0 0 0
6 Sep 2028 56 0 0 0 0 0
6 Oct 2028 57 0 0 0 0 0
6 Nov 2028 58 0 0 0 0 0
6 Dec 2028 59 0 0 0 0 0
6 Jan 2029 60 0 0 0 0 0
Debt Service Coverage Ratio
All figures are in lakhs
Particulars 31/03/24 31/03/25 31/03/26 31/03/27 31/03/28
Receipts
a).Net Profit -0.024 -0.11 -0.12 -0.13 -0.14
b).Depreciation 0 0 0 0 0
c).Interest on termloan 0 0 0 0 0
Total -0.024 -0.11 -0.12 -0.13 -0.14
Repayments
a).Loan Principal 0 0 0 0.0011 0.0012
b).Interest on termloan 0 0 0 0 0
Total 0 0.0014 0.0014 0.0014 0.0014
DSCR -105.29 -77.21 -84.92 -93.40 -102.73
Average DSCR : -92.71
Depreciation
All figures are in lakhs
Particulars Rate 31/03/24 31/03/25 31/03/26 31/03/27 31/03/28
machinery /Equipments 15 0.0010 0 0 0 0
Less Depreciation 0 0 0 0 0
Written down value 0 0 0 0 0
Furniture & fixtures 10 0.0010 0 0 0 0
Less Depreciation 0 0 0 0 0
Written down value 0 0 0 0 0
Racks & storage 10 0.0010 0 0 0 0
Less Depreciation 0 0 0 0 0
Written down value 0 0 0 0 0
Computers/ Printers /Photocopier/Electronic gadget 15 0.0010 0 0 0 0
Less Depreciation 0 0 0 0 0
Written down value 0 0 0 0 0
Total less depreciation 0 0 0 0 0
Total written down value 0.0069 0.0064 0.0060 0.0056 0.0053
Assumption
The entire projection is based on the assumption that the sales for 5 years will be
All figures are in lakhs
31/03/24 31/03/25 31/03/26 31/03/27 31/03/28
0 0 0 0 0
Also the total expense for the firm during the projection years will be as follows
31/03/24 31/03/25 31/03/26 31/03/27 31/03/28
0.024 0.11 0.12 0.13 0.14
• The depreciation is as follows
Particulars Value
machinery /Equipments 15%
Furniture & fixtures 10%
Racks & storage 10%
Computers/ Printers /Photocopier/Electronic gadget 15%
• Cost of machinery is based on the quotation submitted by the supplier
• Value of raw materials & utility charges as per the current market conditions
• All other assumptions are calculated based on the basis of experience of the promoter and deep study
on the working of similar model
This report is created using [Link] . Finline bears no financial responsibility on or behalf of any of the
authorized signatories
Conclusion
The project as a whole describes the scope and viability of the Service industry and mainly of the financial,
technical and its market [Link] project guarantee sufficient fund to repay the loan and also give a good
return on capital investment. When analyzing the social- economic impact, this project is able to generate an
employment of 5 and above. It will cater the demand of Service and thus helps the other business entities to
increase the production and service which provide service and support to this industry. Thus more cyclic
employment and livelihood generation. So in all ways we can conclude the project is technically and socially
viable and commercially sound too.
