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Jammu Kashmir Entreprenuership Development Institute, DPR Appriser

1 Reference EDI proposal bearing UID No : H-


2 Name of the Unit : M/S. Zarger General Store
3 General information about the Borrower:

Name of the borrower Mr./Ms./Mrs. Asheyana Begum

Parentage/Spouse Mr./Ms./Mrs. Muzafar Hussain

Qualification Graduate
Unit Address Neeli Harore
District Doda
Nature of proposal Composite Term Loan

Activity Provision Store


Sector Retail
Scheme Youth Startup Loan Scheme (YSLS)
Sponsoring Agency J & K Entrepreneurship Development Institute
Employment Potential 2
Registration No
Jammu Kashmir Entreprenuership Development Institute, DPR Appriser

Business Results
Year Year 1 Year 2 Year 3 Year 4 Year 5 Year 6
Capacity Utilization 100% 100% 100% 100% 100% 100%
Sales 2886000 2886000 2886000 2886000 2886000 2886000
COS 2582379 2597319 2588864 2579955 2570558 2536606
Net Profit 303621 288681 297136 306045 315442 349394
Sales Growth 0.00 0.00 0.00 0.00 0.00

Balance Sheet Spread


Liabilities
Promoter contribution 80000 80000 80000 80000 80000 80000
Term Loan 720000 657259 526031 386750 238923 82024
Principal Repayment 62741 131228 139281 147828 156899 82024
Net Term Loans 657259 526031 386750 238923 82024 0
Reserve & Surpluses 303621 592303 889439 1195484 1510926 1860321

Total Liabilities
1040880 1198334 1356189 1514407 1672950 1940321
Assets
Gross Block 44700 40230 36207 32586 29328 26395
Depreciaton 4470 4023 3621 3259 2933 2639
Net Block 40230 36207 32586 29327 26395 23756
Preliminary Expenses 98640 73980 49320 24660 **
Cash & Bank balance 902010 1088146 1274283 1460419 1646555 1916565

Total Assets
1040880 1198333 1356189 1514406 1672950 1940321
Difference 0 1 0 1 0 0
Financial indicators
Operating Margin 0.11 0.10 0.10 0.11 0.11 0.12
Assets Turnover 71.74 79.71 88.57 98.41 109.34 121.49
Net Worth 383621 672303 969439 1275484 1590926 1940321
Net Profit Margin 0.11 0.10 0.10 0.11 0.11 0.12
Return on Net Worth 0.79 0.43 0.31 0.24 0.20 0.18
Return on Assets 0.29 0.24 0.22 0.20 0.19 0.18
Capitalization ratio 0.63 0.44 0.29 0.16 0.05 0.00
Debt to Networth ratio 0.79 0.43 0.31 0.24 0.20 0.18
Jammu Kashmir Entreprenuership Development Institute, DPR Appriser

Project Details

Proposed Project Detail Revised/Accepted Project Details


Particulars Amount Particulars Amount

(a) Capital Cost

Not Included in Total Not Included in Total


Land Land
Project Cost Project Cost
Machinery/
41000.00 Machinery/ Equipments 41000.00
Equipments

Misc fixed Assets 3700.00 Misc fixed Assets 3700.00

Preliminary Expenses 123300.00 Preliminary Expenses 123300.00


Sub - Total 168000.00 Sub -Total 168000.00
(b) Gross Working Capital

Working Cap. Working Cap.


632000.00 632000.00
Requirement Requirement

Total st (a+b) 800000.00 Total 800000.00


Jammu Kashmir Entreprenuership Development Institute, DPR Appriser
Jammu Kashmir Entreprenuership Development Institute, DPR Appriser
Jammu Kashmir Entreprenuership Development Institute, DPR Appriser
Jammu Kashmir Entreprenuership Development Institute, DPR Appriser

DEBT SERVICE COVERAGE (DSCR)

S.No. PARTICULARS Year 1 Year 2 Year 3 Year 4 Year 5 Year 6

A SOURCE OF FUNDS

1 Profit After Tax 303621 288681 297136 306045 315442 349394

2 Depreciation 4470 4023 3621 3259 2933 2639

3 Preliminary Expenses 24660 24660 24660 24660 ***

4 Interest on Term Loan 21133 36520 28467 19920 10849 1850

Total A 353884 353884 353884 353884 329224 353883

B DISPOSITION OF FUNDS

5 Repayment of Term Loan 62741 131228 139281 147828 156899 82024

Total B (4+5) 83873.86 167748 167748 167748 167748 83874


Debt Service Coverage Ratio
C 4.22 2.11 2.11 2.11 1.96 4.22
( A/B)
Average DSCR 2.79

JKEDI, Sempora, Pampore 191101/JLN Udyog Bhawan Jammu-180012/Leh,Ladakh Phone: 01933-224365/224397


Jammu Kashmir Entreprenuership Development Institute, DPR Appriser

JKEDI, Sempora, Pampore 191101/JLN Udyog Bhawan Jammu-180012/Leh,Ladakh Phone: 01933-224365/224397


Jammu Kashmir Entreprenuership Development Institute, DPR Appriser

Break-Even Analysis

Particulars Year 1

A) Sales 2886000

B) Variable cost 2407886

Purchases/Raw Material 2405000

Selling & Distribution 2886

C) Contribution 478114

D) Fixed costs 166063

Interest Payments 21133

Depreciation 4470

Preliminary Expenses 24660

Salary & Wages 96000

General Expenses 19800

Utilities Upkeep 7200

Repairs & Maintenence 1230

E) B-E Point (%) 34.73%

JKEDI, Sempora, Pampore 191101/JLN Udyog Bhawan Jammu-180012/Leh,Ladakh Phone: 01933-224365/224397


Jammu Kashmir Entreprenuership Development Institute, DPR Appriser

JKEDI, Sempora, Pampore 191101/JLN Udyog Bhawan Jammu-180012/Leh,Ladakh Phone: 01933-224365/224397


Jammu Kashmir Entreprenuership Development Institute, DPR Appriser

Youth Startup Loan Scheme

JKEDI Loan Promoters Margin


S.No. Particulars Project Cost
(90%) (10%)

1 Capital Cost 151200.00 16800.00 168000.00

Gross Working
2 568800.00 63200.00 632000.00
Capital
Total 720000.00 80000.00 800000.00

S.No Installment Amount Remarks

Machine/Misc. Fixed assets and Preliminary


1 Ist 400000.00
Expenses
2 2nd 400000.00 working capital

Himayat

Promoters
STATE SHARE NMDFC SHARE
S.No. Particulars Contribution Project Cost
(5%) (90%)
(5%)

1 Capital Cost 6025.00 108450.00 6025.00 120500.00

2 Gross Working Capital 33975.00 611550.00 33975.00 679500.00

Total 40000.00 720000.00 40000.00 800000.00

S.No Installment Amount Remarks

Machine/Misc. Fixed assets and Preliminary


1 Ist 200000.00
Expenses

2 2nd 200000.00 working capital


Jammu Kashmir Entreprenuership Development Institute, DPR Appriser
Jammu Kashmir Entreprenuership Development Institute, DPR Appriser

REPAYMENT SCHEDULE

TOTAL LOAN AMOUNT 720,000

MORATORIUM PERIOD 6 Months


RATE OF INTEREST PER
6.00%
ANNUM

NO. OF INSTALLMENTS 20
EQUATED QUARTERLY
41,937
INSTALLMENT

PRINCIPAL OUTSTANDING
YEAR QUATERLY PAYMENT INTEREST
REPAYMENT PRINCIPAL
720,000
10,800 10,800 0.00 720,000
10,800 10,800 0.00 720,000
1
41,937 10,800 31,137 688,863
41,937 10,333 31,604 657,259
41,937 9,859 32,078 625,181
41,937 9,378 32,559 592,622
2
41,937 8,889 33,048 559,574
41,937 8,394 33,543 526,031
41,937 7,890 34,046 491,984
41,937 7,380 34,557 457,427
3
41,937 6,861 35,076 422,352
41,937 6,335 35,602 386,750
41,937 5,801 36,136 350,614
41,937 5,259 36,678 313,937
4
41,937 4,709 37,228 276,709
41,937 4,151 37,786 238,923
41,937 3,584 38,353 200,569
41,937 3,009 38,928 161,641
5
41,937 2,425 39,512 122,129
41,937 1,832 40,105 82,024
41,937 1,230 40,707 41,317
6
41,937 620 41,317 0.00
Jammu Kashmir Entreprenuership Development Institute, DPR Appriser