PROJECT

REPORT
Project Report

For Term Loan

of Rs. 5.00 Lakhs
Under Mukhyamantri Yuva
Swarozgar Yojana
 PROJECT REPORT
ABOUT THE APPLICANT

1 NATURE OF INDUSTRY : TRADING

2 NAME OF APPLICANT : MAMTA SAINI

3 BUSINESS NAME AND CONSTITUTION : KARTIK TRADING COMPANY (PROPRIETORSHIP)

4 NATURE OF ACTIVITIES : KIRANA STORE

5 BUSINESS ADDRESS : WARD NO. 19

NARNAUL ROAD, MASTAWALI DHANI
SINGHANA, BUHANA
JHUNJHUNU (RAJASTHAN), - 333516

6 DETAIL OF PROPRITER

A. NAME OF PROPRITER : MAMTA SAINI

B. FATHER NAME : RAMJI LAL SAINI
C. DATE OF BIRTH : 30/11/1992
D. PAN NUMBER : NDNPS2932E
E. AADHAR NUMBER : 861528946246
F. ADDRESS OF PROPRITER : WARD NO. 19
NARNAUL ROAD, MASTAWALI DHANI
SINGHANA, BUHANA
JHUNJHUNU (RAJASTHAN), - 333516

G. CONTACT NUMBER : 8890293813

H. EDUCATION QUALIFICATION : GRADUATE
I. NAME OF BANK : STATE BANK OF INDIA
J. IFSC CODE OF BANK : SBIN0032079
COST OF PROJECT
Cost of Project
Capital Investment 150,000
Working Capital Requirement 416,041
566,041

Sources of Finance
Own Contribution 66,041
Loan from Bank 500,000
Term Loan 500,000
Working Capital Limit -
566,041

Turnover Assumption Amount

Sales per annum 3,325,000

Basis of Turnover
No. of working days 350 days
No. of shift per day 1
Estimated Sales Per Day 9500

Estimated Turnover (Rs.9500 X 350 Days) 3,325,000

Say 3,325,000

This Project Report is being prepared by us on the basis of information

provided. We are not expressing any opinion on this . All the above are on
estimation basis.
 DETAIL OF CAPITAL INVESTMENT
Particulars Amount
Land & Building Owned

Furniture and Fittings 150,000

GROSS TOTAL FIXED ASSEST 150,000

DETAIL OF WORKING CAPITAL REQUIREMENT

Particulars Amount

Salary Expenses (Per Month)

Skilled Workers 1 15,000 15,000
Unskilled Workers 1 10,000 10,000
Self 1 - - 25,000

Purchase of Goods (Per Month) 253,817 253,817

Utilities (Per Month)

Electricity Bill 2400
Water Expenses 1147 3,547

Miscelleneous Expenses (Per Month)

Shop Rent Expenses -
Repair & Maintanance Expenses 8500
Other Shop Expenses 12500 21,000

Total Expenses (Monthly) 303,363

Calculation of Working Capital Requirement

A. Operating Cycle (In Days) 40 Days

B. Total Operating Expenses (Yearly) 3,640,358

C. No. of Working Days 350 days

Total Working Capital Requirement 416,041

This Project report is being prepared by us on the basis of information [Link] are not
expressing any opinion on this . All the above are on estimation basis
DEPRICIATION SCHEDULE
Furnitur and Fittings
Year Opening Rate Deprication WDV
2026-27 150,000 10% 15,000 135,000
2027-28 135,000 10% 13,500 121,500
2028-29 121,500 10% 12,150 109,350
2029-30 109,350 10% 10,935 98,415
2030-31 98,415 10% 9,842 88,574

Plant And Manchinery

Year Opening Rate Deprication WDV
2026-27 - 15% -
2027-28 - 15% -
2028-29 - 15% -
2029-30 - 15% -
2030-31 - 15% -

CALCULATION OF INTEREST ON CC LIMIT

Year Opening Rate Deprication WDV
2026-27 - 11.00% -
2027-28 - 11.00% -
2028-29 - 11.00% -
2029-30 - 11.00% -
2030-31 - 11.00% -

REPAYMENT SCHEDULE OF TERM LOAN

LOAN AMOUNT 500,000
RATE OF 11.00%
RATE OF PER MONTH 0.92%
NO OF MONTHLY INSTALLMENT 60
EMI 10,871
 Repayment Schedule of Term Loan
Equited instalment - Calculation

Loan Amount (Rs.) Rs. 500,000

Rate of Interest @ ...... p.a. 11.00%
Instalment (Mly-1/ Qly -3/ Hly-6/ y-12) 1
Loan Duration (No. of Years) 5
Total Installments 60

Month EMI No. Interest Principal Total Balance

Apr-26 1 4,583 6,288 10,871 493,712
May-26 2 4,526 6,346 10,871 487,367
Jun-26 3 4,468 6,404 10,871 480,963
Jul-26 4 4,409 6,462 10,871 474,501
Aug-26 5 4,350 6,522 10,871 467,979
Sep-26 6 4,290 6,581 10,871 461,398
Oct-26 7 4,229 6,642 10,871 454,756
Nov-26 8 4,169 6,703 10,871 448,053
Dec-26 9 4,107 6,764 10,871 441,289
Jan-27 10 4,045 6,826 10,871 434,463
Feb-27 11 3,983 6,889 10,871 427,574
Mar-27 12 3,919 6,952 10,871 420,623
51,077 79,377 130,455
Apr-27 13 3,856 7,016 10,871 413,607
May-27 14 3,791 7,080 10,871 406,527
Jun-27 15 3,727 7,145 10,871 399,383
Jul-27 16 3,661 7,210 10,871 392,172
Aug-27 17 3,595 7,276 10,871 384,896
Sep-27 18 3,528 7,343 10,871 377,553
Oct-27 19 3,461 7,410 10,871 370,143
Nov-27 20 3,393 7,478 10,871 362,665
Dec-27 21 3,324 7,547 10,871 355,118
Jan-28 22 3,255 7,616 10,871 347,502
Feb-28 23 3,185 7,686 10,871 339,816
Mar-28 24 3,115 7,756 10,871 332,060
41,892 88,563 130,455
Apr-28 25 3,044 7,827 10,871 324,232
May-28 26 2,972 7,899 10,871 316,333
Jun-28 27 2,900 7,971 10,871 308,362
Jul-28 28 2,827 8,045 10,871 300,317
Aug-28 29 2,753 8,118 10,871 292,199
Sep-28 30 2,678 8,193 10,871 284,006
Oct-28 31 2,603 8,268 10,871 275,738
Nov-28 32 2,528 8,344 10,871 267,395
Dec-28 33 2,451 8,420 10,871 258,975
Jan-29 34 2,374 8,497 10,871 250,478
Feb-29 35 2,296 8,575 10,871 241,902
Mar-29 36 2,217 8,654 10,871 233,249
31,643 98,811 130,455
 Apr-29 37 2,138 8,733 10,871 224,515
May-29 38 2,058 8,813 10,871 215,702
Jun-29 39 1,977 8,894 10,871 206,808
Jul-29 40 1,896 8,975 10,871 197,833
Aug-29 41 1,813 9,058 10,871 188,775
Sep-29 42 1,730 9,141 10,871 179,634
Oct-29 43 1,647 9,225 10,871 170,410
Nov-29 44 1,562 9,309 10,871 161,101
Dec-29 45 1,477 9,394 10,871 151,706
Jan-30 46 1,391 9,481 10,871 142,226
Feb-30 47 1,304 9,567 10,871 132,658
Mar-30 48 1,216 9,655 10,871 123,003
20,209 110,246 130,455
Apr-30 49 1,128 9,744 10,871 113,259
May-30 50 1,038 9,833 10,871 103,426
Jun-30 51 948 9,923 10,871 93,503
Jul-30 52 857 10,014 10,871 83,489
Aug-30 53 765 10,106 10,871 73,383
Sep-30 54 673 10,199 10,871 63,185
Oct-30 55 579 10,292 10,871 52,893
Nov-30 56 485 10,386 10,871 42,506
Dec-30 57 390 10,482 10,871 32,025
Jan-31 58 294 10,578 10,871 21,447
Feb-31 59 197 10,675 10,871 10,772
Mar-31 60 99 10,772 10,871 0
7,452 123,003 130,455

Year-- 2026-27 2027-28 2028-29 2029-30 2030-31

Repayment 79,377 88,563 98,811 110,246 123,003
Closing 420,623 332,060 233,249 123,003 0
Interest 51,077 41,892 31,643 20,209 7,452

This Project report is being prepared by us on the basis of information provided. We are not
expressing any opinion on this . All the above are on estimation basis.
 PROFITABILITY STATEMENT
Particulars FY 2026-27 FY 2027-28 FY 2028-29 FY 2029-30 FY 2030-31
Revenues
Sales 3325000 3657500 4023250 4425575 4868133
3325000 3657500 4023250 4425575 4868132.5

Other Income
Interest Subsidy From Govt. 51,077 41,892 31,643 20,209 7,452
Total Revenue 3,376,077 3,699,392 4,054,893 4,445,784 4,875,584

DIRECT COST OPERATION

Purchase Expenses 3,045,800 2,512,785 2,738,936 2,985,440 3,254,129

Add - Opening Stock of Finished Goods - 815,000 896,500 986,150 1,084,765

Less - Closing Stock of Finished Goods 815,000 896,500 986,150 1,084,765 1,193,242

COST OF OPERATION 2,230,800 2,431,285 2,649,286 2,886,825 3,145,653

OPERATING PROFIT 1,145,277 1,268,107 1,405,608 1,558,959 1,729,931

33.92% 34.28% 34.66% 35.07% 35.48%
Indirect Expenditures
Wages & Salary 300,000 330,000 363,000 399,300 439,230
Electricity Expenses 28,800 31,680 34,848 38,333 42,166
Water Expenses 13,758 15,134 16,647 18,312 20,143
Building Rent Expenses - - - - -
Repair & Maintanance Expenses 102,000 112,200 123,420 135,762 149,338
Other Shop Expenses 150,000 165,000 181,500 199,650 219,615
Interest T/L 51,077 41,892 31,643 20,209 7,452
Interest C/C - - - - -
Deprication 15,000 13,500 12,150 10,935 9,842
660,635 709,406 763,208 822,501 887,785

Profit Before Tax 484,642 558,701 642,399 736,458 842,146

14.36% 15.10% 15.84% 16.57% 17.27%

This Project report is being prepared by us on the basis of information provided. We are not expressing any
opinion on this All the above are on estimation basis.
 PROJECTED BALANCE SHEET
Particulars FY 2026-27 FY 2027-28 FY 2028-29 FY 2029-30 FY 2030-31
Liabilities
Captial 679,181 928,173 1,188,331 1,411,562 1,661,016
Add : Profit 484,642 558,701 642,399 736,458 842,146

Less : Drawing 235,650 298,543 419,168 487,005 563,906

928,173 1,188,331 1,411,562 1,661,016 1,939,255

W/C Limit - - - - -
Term Loan 420,623 332,060 233,249 123,003 0
Sundry Creditors 250,340 206,530 225,118 245,379 267,463
670,962 538,590 458,367 368,382 267,463

Total 1,599,135 1,726,921 1,869,929 2,029,397 2,206,718

Assets
Fixed Assets 135,000 121,500 109,350 98,415 88,574
Stock in Hand 815,000 896,500 986,150 1,084,765 1,193,242
Sundry Debtors 546,575 601,233 661,356 727,492 800,241
Cash And Bank Balance 102,560 107,688 113,072 118,726 124,662

Total 1,599,135 1,726,921 1,869,929 2,029,398 2,206,718

This Project report is being prepared by us on the basis of information provided. We are not
expressing any opinion on this . All the above are on estimation basis.
 DEBT SERVICE COVERAGE RATIO
Particulars FY 2026-27 FY 2027-28 FY 2028-29 FY 2029-30 FY 2030-31
Sources
Net Profit 484,642 558,701 642,399 736,458 842,146
Depreciation 15,000 13,500 12,150 10,935 9,842
Interest of C/C - - - - -
Interest of Term Loan 51,077 41,892 31,643 20,209 7,452

Total 550,719 614,093 686,192 767,602 859,439

Net Funds Avaiable 550,719 614,093 686,192 767,602 859,439

Requirements

Installement 79,377 88,563 98,811 110,246 123,003

Interest on Term Loan 51,077 41,892 31,643 20,209 7,452
Interest on C/C - - - - -

Total 130,455 130,455 130,455 130,455 130,455

D.S.C.R 4.22 4.71 5.26 5.88 6.59

AVG D.S.C.R 5.33

This Project report is being prepared by us on the basis of information provided. We are not expressing any
opinion on this . All the above are on estimation basis.
 CALCULATION OF BREAK EVEN POINT
Particulars FY 2026-27 FY 2027-28 FY 2028-29 FY 2029-30 FY 2030-31
Fixed Cost
Depreciation 15,000 13,500 12,150 10,935 9,842
Interest 51,077 41,892 31,643 20,209 7,452
40% of Wages & Salary 120,000 132,000 145,200 159,720 175,692
40% of Overheads 117,823 129,606 142,566 156,823 172,505

Total 303,900 316,997 331,559 347,687 365,490

B.E.P = (FIXED COST*100)/(FIXED COST+PROFIT)

B.E.P 38.54 36.20 34.04 32.07 30.26

AVG B.E.P

This Project report is being prepared by us on the basis of information provided. We are not expressing any
opinion on this . All the above are on estimation basis.

Place : SINGHANA Full Name : MAMTA SAINI

Date : 21.02.2026
(Singnature Of Beneficiary)