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Transcript of PMEGP Master_Projects ( Business)
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INDEXSl. No. Project Title Page No.
1 Selling of Animal & Fish Feed - 1
2 Retailing cum Servicing of Mobile Phones - 6
3 Small Departmental Store - 11
4 Railway Food Stall - 16
5 Railway Book Stall - 21
6 Kisan Service/Product Centre - 26
7 Florist Shop - 31
8 Ice Cream Parlour with Franchisee - 369 Fruit Juice Centre - 41
10 Lunch Packet Provider - 46
11 Glass Cutting & Selling - 51
12 Wrought & Aluminium Furniture Shop - 56
13 Selling of Plastic Household Goods - 61
14 Spectacle Shop - 66
15 Selling of Aluminium Doors & Windows - 71
16 Flower & Fruit Plant Nursery - 76
17 Home Decorative Items - 81
18 Shop of Travel Bags & Suitcases - 8619 Shop for Momento, Shield, Medals etc. - 91
20 Sports Goods Items - 96
21 Statues & Idols Shop - 101
22 Kitchen Appliances - 106
23 Cooking Appliances - 111
24 Mats & Carpet Selling - 116
25 Security Surveillance System Selling - 121
26 Export Reject Fabrics & Readymade Garments Shop - 126
27 Medical Eqipments Sale - 131
28 Online Shopping Site - 136
29 Franchise Opportunities - 141
30 Imported Produc Sale - 146
31 Home Appliances sale - 151
32 Selling of Rare Fruits, Flowers and Nuts - 156
33 Company Distributor - 161
34 Medicine Distributor - 166
35 Herbal Product Sale - 171
36 Welding Equipment Sale - 176
37 Antique Shop - 18138 Musical Instrument Sale - 186
39 Car Parlour - 191
Model Project Profiles of Potential Activities in Retail Sector in Tripura
for Finance under Prime Minister's Employment Generation Programme
(PMEGP)Prepared for the Directorate of Industries & Commerce, Government of Tripura
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INDEX
Sl. No. Project Title Page No.
40 Birds Sale - 196
41 Aquarium Sale - 201
42 Exotic Dog Breed Sale - 206
43 GCI Sheet Whole Sale - 211
44 Cement Whole Sale - 216
45 Iron Rod and Hardware Shop - 221
46 Shopping Mall - 226
Model Project Profiles of Potential Activities in Retail Sector in Tripura
for Finance under Prime Minister's Employment Generation Programme
(PMEGP)
Prepared for the Directorate of Industries & Commerce, Government of Tripura
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[Page - 1]
Prepared for the Directorate of Industries & Commerce, Government of Tripura
A] Introduction:
B] About the Product(s)/Service(s):
C] About the Market:
D] Requirement of Infrastructure:
The major infrastructure requirements are
1. Building/Shop/Showroom/Store: (Rented) 0.00 Lakh
2. Power 15 KW
3. Water 200 Ltrs / Day
Model Project Profiles of Potential Industries for finance under PMEGP in Tripura. Prepared by SOFED, Agartala
This project is on retail selling of all types of animal and fish feed which is also regarded among moving
products. This project has been prepared, keeping in view the guidelines of Prime Minister's Employment
Generation Pogramme (PMEGP) under which an entrepreneur can sought financial assistance to start up
this project. This project will not require any major fixed assets like Machies/equipment and hence amount
of fixed capital required will be minimum and will be required for only furnitures and fixtures etc. for the
shop/outlet.
The products to be dealt under these are animal and fish feed which are as follows:
Animal Feed: Bird Food, Poultry Food, Cattle Food, Pig Food etc.
Fish Feed: Dry foods for aquarium fish, Live foods for fisheries (viz. Maggots, fresh insect larvae, live
worms, and feeder fish)
Farming and fishery is an activity which is mainly done in rural areas due to availability of abundant space,
but it is also done in semi-urban as well as urban areas of this state. This project is viable in Rural areas aswell as urban/semi-urban areas of Tripura. More than 80% of
the population of Tripura lives in Rural or semi-urban areas and 60% among them are dependent on
agriculture and animal/fish farming activities for their livelihood. Government is also extending support to the
farmenrs for their animal/fish farming. Therefore, it is predicted that there is a very good scope for this
project.
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[Page-2]
E] Total Capital Requirement:
1. Fixed Capital: (Rs. In Lakh)
i. Land: 0.00
ii. Building/Shop/Showroom/Store: 0.00iii. Brand/Franchisee Fee (if any): 0.00
iv. Equipments/machines required: 0.00
v. Misc. Fixed Assets: 1.50
(Furnitures, Fixtures, electrification etc.)
Total 1.50
vi. Preliminary & Pre-operative expenses: 0.20
Total amount of Fixed Capital required 1.70
2. Working Capital: (Rs. In Lakh)
i. Cost of items [3 Months] 3.00ii. Staff Salary [1 Months] 0.10
iii. Receivables [1 Months] 0.30
iv. Misc. reccuring expenses [1 Months] 0.10
Total amount of Working Capital required 3.50
Total Fund Required for the Project: [1 + 2] Rs 5.20 Lakh
3. Means of Finance: (Rs. In Lakh)
Urban Rural
i. Composite Loan Under PMEGP 3.64 3.12
ii. Subsidy entitled: 1.30 1.82
iii. Own contribution @ 5% of Project Cost: 0.26 0.26
Total 5.20 5.20
F] Annual Sales Forecasting:Monthly sales
Items/services Amount (Rs)
1 Animal Feed 80000
2 Fish Feed 60000
Total 140000
Total Projected annual sale = Rs 16.8 Lakh
Model Project Profiles of Potential Industries for finance under PMEGP in Tripura. Prepared by SOFED, Agartala
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[Page-3]
G] Projected Profitability of the Project:
: Rate of Subsidy entitled 25 %
Annual Increase in Operating Expenses: 7 %
Rate of interest on loan: 13 %
Rate of depriciation on fixed assets: 10 %
: 1 2 3 4 5
% 100 108 115 120 125
Expected Sales: 16.80 18.14 19.32 20.16 21.00
Less Cost of Materials: 12.00 12.96 13.80 14.40 15.00
(12): 4.80 5.18 5.52 5.76 6.00
Less other operating expenses:
i) Rent for Shop: 0.24 0.26 0.27 0.29 0.31
ii) Salary for staff: 1.20 1.28 1.37 1.47 1.57iii) Electricity and maintainance: 0.24 0.26 0.27 0.29 0.31
iv) Office expenses (Stationary, Telephone etc.) 0.12 0.13 0.14 0.15 0.16
v) Advertising and Selling expenses: 0.20 0.21 0.23 0.25 0.26
vi) Insurance and other misc. expenses: 0.06 0.06 0.07 0.07 0.08
Total of Sl. 4. 2.06 2.20 2.36 2.52 2.70
Profit before Depriciation, Interest and Taxes(3-4): 2.74 2.98 3.16 3.24 3.30
Less Depriciation on Fixed Assets:
profit before interest and taxes (5-6): 2.59 2.83 3.01 3.09 3.15
Less Interest payable on loan: 0.47 0.38 0.28 0.19 0.09
Profit before taxes (7-8): 2.12 2.45 2.73 2.90 3.06
Income Tax payable: 0.01 0.05 0.07 0.09 0.11
(910): 2.11 2.40 2.66 2.81 2.95
: 12.54 13.23 13.76 13.92 14.02
Provision for repayment of loan: 0.73 0.73 0.73 0.73 0.73
Retained Profit (11-12): 1.38 1.67 1.93 2.08 2.22
Net Cash Accruals 1.53 1.82 2.08 2.23 2.37
[Depreciation added back with retained profit]
Cumulated Net profit: 2.11 4.51 7.17 9.97 12.92
: 26 Months
Model Project Profiles of Potential Industries for finance under PMEGP in Tripura. Prepared by SOFED, Agartala
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[Page-4]
L] Repayment Schedule:
: 5
:
1 2 3 4 5
Refundable loan at the beginning of the year: 3.64 2.91 2.18 1.46 0.73
Proposed Repayment during the year: 0.73 0.73 0.73 0.73 0.73
Refundable loan at the end of the year: 2.91 2.18 1.46 0.73 0.00
Total Debt-Service [Interest+Repayment]: 1.20 1.11 1.01 0.92 0.82
Fund Available for Debt-Service: 2.74 2.98 3.16 3.24 3.30
Debt-Service Coverage Ratio: 2.28 2.69 3.12 3.53 4.01
M] Projected Cash Flow Statement:
) : During The- 1 2 3 4 5
i) Own Investment: 0.260
ii) Loan from Bank: 3.640
iii) Increase in Subsidy: 1.300
iv) Profit Before Interest and taxes: 2.590 2.830 3.012 3.086 3.150v) Depreciation added back: 0.150 0.150 0.150 0.150 0.150
7.940 2.980 3.162 3.236 3.300
) :
i) Increase in Fixed Assets: 1.500
ii) Preliminary Expenses: 0.200
iii) Increase in Working Capital: 3.500
iv) Decrease in Loan: 0.728 0.728 0.728 0.728 0.728
v) Interest payable: 0.473 0.379 0.284 0.189 0.095
vi) Income Tax Payable: 0.010 0.050 0.070 0.090 0.110
6.411 1.157 1.082 1.007 0.933
: 1.529 3.352 5.432 7.661
/ : 1.529 1.823 2.080 2.229 2.367
: 1.529 3.352 5.432 7.661 10.028
Model Project Profiles of Potential Industries for finance under PMEGP in Tripura. Prepared by SOFED, Agartala
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[Page-5]
N] Projected Balance Sheet:
1 2 3 4 5
) :
i) Own Investment: 0.26 0.26 0.26 0.26 0.26
ii) Cumulated Net Profit: 2.11 4.51 7.17 9.97 12.92
Net Worth: 2.37 4.77 7.43 10.23 13.18
iii) Subsidy: 1.30 1.30 1.30 1.30 1.30
iv) Loan at Bank: 2.91 2.18 1.46 0.73 0.00
6.58 8.25 10.18 12.26 14.48
) :
Gross Block as Fixed Assets and Pre. Expenses: 1.70 1.55 1.40 1.25 1.10
Less depreciation on Fixed Assets: 0.15 0.15 0.15 0.15 0.15
i) Net Block: 1.55 1.40 1.25 1.10 0.95
ii) Working Capital: 3.50 3.50 3.50 3.50 3.50
iii) Cash balance: 1.53 3.35 5.43 7.66 10.03
6.58 8.25 10.18 12.26 14.48
: 5.200 5.20 4.73 4.35 4.06 3.88
: 40.52 50.80 61.12 69.07 76.00
[100XNet profit/Total Investment]
O] Calculation of Break-Even Point:
:
Rent, Interest & Depreciation % 0.863 0.529 0.434 0.339 0.245
Other Operating Expenses % 0.910 0.974 1.042 1.115 1.193
1.773 1.502 1.476 1.454 1.437
% 39.289 33.517 31.824 31.000 30.344
[100xFC/(FC+Net profit)]
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[Page - 6]
Prepared for the Directorate of Industries & Commerce, Government of Tripura
A] Introduction:
B] About the Product(s)/Service(s):
C] About the Market:
D] Requirement of Infrastructure:
The major infrastructure requirements are
1. Building/Shop/Showroom/Store: (Rented) 0.00 Lakh
2. Power 15 KW
3. Water 20 Ltrs / Day
Model Project Profiles of Potential Industries for finance under PMEGP in Tripura. Prepared by SOFED, Agartala
The products/Services to be dealt under these are as follows:
Products: All kind of Mobile Phones, Accessories, Spare Parts and Recharge Vouchers etc.
Services: Repairing of Mobile Sets, Replacement of Spare Parts, Downloads, Software updates etc.
The usage of mobile services in India has entered to nearly all economic and social sectors. Penetrationrate of cell phones in India has reached a remarkable level. According to the Department of
Telecommunications of India, there were 346.9 million wireless telephones in India as of December 2004.
India is one of the major contributors of mobile phone market. India is now the worlds second largest
mobile with 262 million users. Around 10.16 million users were added in March 2008. It has become more
of a craze and it is doubtful whether mobile phones are used what they are made for. The Unbounded use
of mobile phone for its features has increased its market potential. Its not just about making or receiving a
call but much more than that. Mobile phone service
has entered in Tripura in the year 2005, and during these eight years the number of subscriber has
increased subsequently to a huge number. Number of service providers has also increased and gradually
the market for mibile phones is increasing rapidly in both urban as well as rural areas.
This project is on retailing & Servicing of all types of Mobile phones which is also regarded as a fast growing
business in present market. This project has been prepared, keeping in view the guidelines of Prime
Minister's Employment Generation Pogramme (PMEGP) under which an entrepreneur can sought financial
assistance to start up this project. This project will require few tools/equipment, computer and furnitures &
fixtures as fixed assets and other recuring expenditures including cost of new mobile sets etc. at wholesale
price.
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[Page-7]
E] Total Capital Requirement:
1. Fixed Capital: (Rs. In Lakh)
i. Land: 0.00
ii. Building/Shop/Showroom/Store: (Rented) 0.00iii. Brand/Franchisee Fee (if any): 0.00
iv. Equipments/machines required: 0.75
a. Computer with UPS- 1 no. Rs 35000
b. Scanner cum Laser Printer- 1 no. Rs 10000
c. Hand tools and equipments Rs 20000
d. Softwares Rs 10000
v. Misc. Fixed Assets: 2.20
(Furnitures, Fixtures, electrification etc.)
Total 2.95
vi. Preliminary & Pre-operative expenses: 0.35
Total amount of Fixed Capital required 3.30
2. Working Capital: (Rs. In Lakh)
i. Cost of items [3 Months] 4.50
ii. Staff Salary [2 Months] 0.20
iii. Receivables [2 Months] 0.80
iv. Misc. reccuring expenses [2 Months] 0.20
Total amount of Working Capital required 5.70
Total Fund Required for the Project: [1 + 2] Rs 9.00 Lakh
3. Means of Finance: (Rs. In Lakh)
Urban Rural
i. Composite Loan Under PMEGP 6.30 5.40
ii. Subsidy entitled: 2.25 3.15
iii. Own contribution @ 5% of Project Cost: 0.45 0.45
Total 9.00 9.00
F] Annual Sales Forecasting:Monthly sales
Items/services Amount (Rs)
1 Selling of Mobile Phones 150000
2 Selling of Accessories and spare parts 50000
3 Servicing/Downloads/Software updates etc. 20000
Total 220000
Total Projected annual sale = Rs 26.4 Lakh
Model Project Profiles of Potential Industries for finance under PMEGP in Tripura. Prepared by SOFED, Agartala
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[Page-8]
G] Projected Profitability of the Project:
: Rate of Subsidy entitled 25 %
Annual Increase in Operating Expenses: 7 %
Rate of interest on loan: 13 %
Rate of depriciation on fixed assets: 10 %
: 1 2 3 4 5
% 100 108 115 120 125
Expected Sales: 26.40 28.51 30.36 31.68 33.00
Less Cost of Materials: 18.00 19.44 20.70 21.60 22.50
(12): 8.40 9.07 9.66 10.08 10.50
Less other operating expenses:
i) Rent for Shop: 0.24 0.26 0.27 0.29 0.31
ii) Salary for staff: 1.20 1.28 1.37 1.47 1.57iii) Electricity and maintainance: 0.24 0.26 0.27 0.29 0.31
iv) Office expenses (Stationary, Telephone etc.) 0.12 0.13 0.14 0.15 0.16
v) Advertising and Selling expenses: 0.20 0.21 0.23 0.25 0.26
vi) Insurance and other misc. expenses: 0.06 0.06 0.07 0.07 0.08
Total of Sl. 4. 2.06 2.20 2.36 2.52 2.70
Profit before Depriciation, Interest and Taxes(3-4): 6.34 6.87 7.30 7.56 7.80
Less Depriciation on Fixed Assets:
profit before interest and taxes (5-6): 6.05 6.57 7.01 7.26 7.50
Less Interest payable on loan: 0.82 0.66 0.49 0.33 0.16
Profit before taxes (7-8): 5.23 5.92 6.52 6.93 7.34
Income Tax payable: 0.35 0.48 0.60 0.69 0.77
(910): 4.88 5.44 5.92 6.24 6.57
: 18.47 19.07 19.48 19.71 19.91
Provision for repayment of loan: 1.26 1.26 1.26 1.26 1.26
Retained Profit (11-12): 3.62 4.18 4.66 4.98 5.31
Net Cash Accruals 3.91 4.47 4.95 5.28 5.61
[Depreciation added back with retained profit]
Cumulated Net profit: 4.88 10.31 16.23 22.47 29.04
: 21 Months
Model Project Profiles of Potential Industries for finance under PMEGP in Tripura. Prepared by SOFED, Agartala
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[Page-9]
L] Repayment Schedule:
: 5
:
1 2 3 4 5
Refundable loan at the beginning of the year: 6.30 5.04 3.78 2.52 1.26
Proposed Repayment during the year: 1.26 1.26 1.26 1.26 1.26
Refundable loan at the end of the year: 5.04 3.78 2.52 1.26 0.00
Total Debt-Service [Interest+Repayment]: 2.08 1.92 1.75 1.59 1.42
Fund Available for Debt-Service: 6.34 6.87 7.30 7.56 7.80
Debt-Service Coverage Ratio: 3.05 3.59 4.17 4.76 5.48
M] Projected Cash Flow Statement:
) : During The- 1 2 3 4 5
i) Own Investment: 0.450
ii) Loan from Bank: 6.300
iii) Increase in Subsidy: 2.250
iv) Profit Before Interest and taxes: 6.045 6.573 7.007 7.261 7.505v) Depreciation added back: 0.295 0.295 0.295 0.295 0.295
15.340 6.868 7.302 7.556 7.800
) :
i) Increase in Fixed Assets: 2.950
ii) Preliminary Expenses: 0.350
iii) Increase in Working Capital: 5.700
iv) Decrease in Loan: 1.260 1.260 1.260 1.260 1.260
v) Interest payable: 0.819 0.655 0.491 0.328 0.164
vi) Income Tax Payable: 0.350 0.480 0.600 0.690 0.770
11.429 2.395 2.351 2.278 2.194
: 3.911 8.384 13.334 18.613
/ : 3.911 4.473 4.950 5.279 5.606
: 3.911 8.384 13.334 18.613 24.218
Model Project Profiles of Potential Industries for finance under PMEGP in Tripura. Prepared by SOFED, Agartala
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[Page-10]
N] Projected Balance Sheet:
1 2 3 4 5
) :
i) Own Investment: 0.45 0.45 0.45 0.45 0.45
ii) Cumulated Net Profit: 4.88 10.31 16.23 22.47 29.04
Net Worth: 5.33 10.76 16.68 22.92 29.49
iii) Subsidy: 2.25 2.25 2.25 2.25 2.25
iv) Loan at Bank: 5.04 3.78 2.52 1.26 0.00
12.62 16.79 21.45 26.43 31.74
) :
Gross Block as Fixed Assets and Pre. Expenses: 3.30 3.01 2.71 2.42 2.12
Less depreciation on Fixed Assets: 0.30 0.30 0.30 0.30 0.30
i) Net Block: 3.01 2.71 2.42 2.12 1.83
ii) Working Capital: 5.70 5.70 5.70 5.70 5.70
iii) Cash balance: 3.91 8.38 13.33 18.61 24.22
12.62 16.79 21.45 26.43 31.74
: 9.000 9.00 8.18 7.53 7.03 6.71
: 54.18 66.47 78.60 88.76 97.97
[100XNet profit/Total Investment]
O] Calculation of Break-Even Point:
:
Rent, Interest & Depreciation % 1.354 0.950 0.786 0.623 0.459
Other Operating Expenses % 0.910 0.974 1.042 1.115 1.193
2.264 1.924 1.828 1.737 1.652
% 26.313 21.883 20.025 18.694 17.475
[100xFC/(FC+Net profit)]
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[Page - 11]
Prepared for the Directorate of Industries & Commerce, Government of Tripura
A] Introduction:
B] About the Product(s)/Service(s):
C] About the Market:
D] Requirement of Infrastructure:
The major infrastructure requirements are
1. Building/Shop/Showroom/Store: (Rented) 0.00 Lakh
2. Power 25 KW
3. Water 200 Ltrs / Day
Model Project Profiles of Potential Industries for finance under PMEGP in Tripura. Prepared by SOFED, Agartala
This project is on setting up of a small Departmental Store for retailling/selling of all types of groceries,
ration and goods of daily household use which are also known as a Fast Moving Consumer Goods. This
project has been prepared, keeping in view the guidelines of Prime Minister's Employment Generation
Pogramme (PMEGP) under which an entrepreneur can sought financial assistance to start up this project.
This project will not require any major fixed assets like Machies/equipment and hence amount of fixed
capital required will be minimum but required for only furnitures and fixtures etc. for the shop/outlet/store.
The products will be of daily household use such as Groceries, Ration, Chocolates, Packaged food
products and bevereges and other FMCGs.
The organized retailing sector in Tripura is not more than 1% and that too mainly in urban areas but it is
expected to rise to 25- 30% by the year 2020. There are many more retail stores to come up which are
under construction at present. This proves that there is a tremendous scope for growth in the retail market
of Tripura.
The growth of scope in Tripura's retail market is mainly due to the change in the consumers behavior. For
the new generation have preference towards luxury commodities which have been due to the strong
increase in income, changing lifestyle, and demographic patterns which are favorable. The scope of
Tripura's retail market is very vast. And for it to reach its full potential the government and the retailers of
this state will have to make a determined effort.
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[Page-12]
E] Total Capital Requirement:
1. Fixed Capital: (Rs. In Lakh)
i. Land: 0.00
ii. Building/Shop/Showroom/Store: (Rented) 0.00iii. Brand/Franchisee Fee (if any): 0.00
iv. Equipments/machines required: 0.00
v. Misc. Fixed Assets: 2.50
(Furnitures, Fixtures, electrification etc.)
Total 2.50
vi. Preliminary & Pre-operative expenses: 0.50
Total amount of Fixed Capital required 3.00
2. Working Capital: (Rs. In Lakh)
i. Cost of items [3 Months] 6.00ii. Staff Salary [1 Months] 0.20
iii. Receivables [1 Months] 0.50
iv. Misc. reccuring expenses [1 Months] 0.30
Total amount of Working Capital required 7.00
Total Fund Required for the Project: [1 + 2] Rs 10.00 Lakh
3. Means of Finance: (Rs. In Lakh)
Urban Rural
i. Composite Loan Under PMEGP 7.00 6.00
ii. Subsidy entitled: 2.50 3.50
iii. Own contribution @ 5% of Project Cost: 0.50 0.50
Total 10.00 10.00
F] Annual Sales Forecasting:Monthly sales
Items/services Amount (Rs)
1 Groceries 175000
2 Other Items 100000
Total 275000
Total Projected annual sale = Rs 33 Lakh
Model Project Profiles of Potential Industries for finance under PMEGP in Tripura. Prepared by SOFED, Agartala
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[Page-13]
G] Projected Profitability of the Project:
: Rate of Subsidy entitled 25 %
Annual Increase in Operating Expenses: 7 %
Rate of interest on loan: 13 %
Rate of depriciation on fixed assets: 10 %
: 1 2 3 4 5
% 100 108 115 120 125
Expected Sales: 33.00 35.64 37.95 39.60 41.25
Less Cost of Materials: 24.00 25.92 27.60 28.80 30.00
(12): 9.00 9.72 10.35 10.80 11.25
Less other operating expenses:
i) Rent for Shop: 0.60 0.64 0.69 0.74 0.79
ii) Salary for staff: 2.40 2.57 2.75 2.94 3.15iii) Electricity and maintainance: 0.30 0.32 0.34 0.37 0.39
iv) Office expenses (Stationary, Telephone etc.) 0.20 0.21 0.23 0.25 0.26
v) Advertising and Selling expenses: 0.20 0.21 0.23 0.25 0.26
vi) Insurance and other misc. expenses: 0.10 0.11 0.11 0.12 0.13
Total of Sl. 4. 3.80 4.07 4.35 4.66 4.98
Profit before Depriciation, Interest and Taxes(3-4): 5.20 5.65 6.00 6.14 6.27
Less Depriciation on Fixed Assets:
profit before interest and taxes (5-6): 4.95 5.40 5.75 5.89 6.02
Less Interest payable on loan: 0.91 0.73 0.55 0.36 0.18
Profit before taxes (7-8): 4.04 4.68 5.20 5.53 5.84
Income Tax payable: 0.20 0.27 0.34 0.41 0.47
(910): 3.84 4.41 4.86 5.12 5.37
: 11.64 12.36 12.82 12.93 13.01
Provision for repayment of loan: 1.40 1.40 1.40 1.40 1.40
Retained Profit (11-12): 2.44 3.01 3.46 3.72 3.97
Net Cash Accruals 2.69 3.26 3.71 3.97 4.22
[Depreciation added back with retained profit]
Cumulated Net profit: 3.84 8.25 13.11 18.23 23.60
: 27 Months
Model Project Profiles of Potential Industries for finance under PMEGP in Tripura. Prepared by SOFED, Agartala
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[Page-14]
L] Repayment Schedule:
: 5
:
1 2 3 4 5
Refundable loan at the beginning of the year: 7.00 5.60 4.20 2.80 1.40
Proposed Repayment during the year: 1.40 1.40 1.40 1.40 1.40
Refundable loan at the end of the year: 5.60 4.20 2.80 1.40 0.00
Total Debt-Service [Interest+Repayment]: 2.31 2.13 1.95 1.76 1.58
Fund Available for Debt-Service: 5.20 5.65 6.00 6.14 6.27
Debt-Service Coverage Ratio: 2.25 2.66 3.08 3.48 3.96
M] Projected Cash Flow Statement:
) : During The- 1 2 3 4 5
i) Own Investment: 0.500
ii) Loan from Bank: 7.000
iii) Increase in Subsidy: 2.500
iv) Profit Before Interest and taxes: 4.950 5.404 5.749 5.895 6.019v) Depreciation added back: 0.250 0.250 0.250 0.250 0.250
15.200 5.654 5.999 6.145 6.269
) :
i) Increase in Fixed Assets: 2.500
ii) Preliminary Expenses: 0.500
iii) Increase in Working Capital: 7.000
iv) Decrease in Loan: 1.400 1.400 1.400 1.400 1.400
v) Interest payable: 0.910 0.728 0.546 0.364 0.182
vi) Income Tax Payable: 0.200 0.270 0.340 0.410 0.470
12.510 2.398 2.286 2.174 2.052
: 2.690 5.946 9.659 13.630
/ : 2.690 3.256 3.713 3.971 4.217
: 2.690 5.946 9.659 13.630 17.847
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[Page-15]
N] Projected Balance Sheet:
1 2 3 4 5
) :
i) Own Investment: 0.50 0.50 0.50 0.50 0.50
ii) Cumulated Net Profit: 3.84 8.25 13.11 18.23 23.60
Net Worth: 4.34 8.75 13.61 18.73 24.10
iii) Subsidy: 2.50 2.50 2.50 2.50 2.50
iv) Loan at Bank: 5.60 4.20 2.80 1.40 0.00
12.44 15.45 18.91 22.63 26.60
) :
Gross Block as Fixed Assets and Pre. Expenses: 3.00 2.75 2.50 2.25 2.00
Less depreciation on Fixed Assets: 0.25 0.25 0.25 0.25 0.25
i) Net Block: 2.75 2.50 2.25 2.00 1.75
ii) Working Capital: 7.00 7.00 7.00 7.00 7.00
iii) Cash balance: 2.69 5.95 9.66 13.63 17.85
12.44 15.45 18.91 22.63 26.60
: 10.000 10.00 9.09 8.36 7.82 7.45
: 38.40 48.47 58.16 65.52 72.02
[100XNet profit/Total Investment]
O] Calculation of Break-Even Point:
:
Rent, Interest & Depreciation % 1.760 0.978 0.796 0.614 0.432
Other Operating Expenses % 1.600 1.712 1.832 1.960 2.097
3.360 2.690 2.628 2.574 2.529
% 39.252 32.239 30.460 29.523 28.747
[100xFC/(FC+Net profit)]
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[Page - 16]
Prepared for the Directorate of Industries & Commerce, Government of Tripura
A] Introduction:
B] About the Product(s)/Service(s):
C] About the Market:
D] Requirement of Infrastructure:
The major infrastructure requirements are
1. Building/Shop/Showroom/Store: (Rented) 0.00 Lakh
2. Power 10 KW
3. Water 200 Ltrs / Day
Model Project Profiles of Potential Industries for finance under PMEGP in Tripura. Prepared by SOFED, Agartala
This project is on setting up of a small food stall at Railway Stations for retailling/selling of various cooked
as well as packaged food items and bevereges targeting the passangers. This project has been prepared,
keeping in view the guidelines of Prime Minister's Employment Generation Pogramme (PMEGP) under
which an entrepreneur can sought financial assistance to start up this project. This project will require very
minimum expenditure on fixed assets like stall and hence amount of fixed capital required will be minimum
and will be required only for Stall (including furnitures and fixtures etc)
The Railway food stall will deal with various kinds of cooked as well as packed food items like Chapatis,
Rice, Vegetables, fast foods, Cakes, Chocolates, Biscuits, Tea, Coffee, Drinking water, Soft drinks etc.
Railway service has been started in Tripura in the year 1964, however it was limited only up to Manughat
prior to the year 2008, when railway service started from the state capital Agartala in full fledge. From 2008
onwards a new income generating activity has emerged in the state in the form of railway food stalls and a
large number of families are dependent on this for their livelihood. Since railway service is yet to grow a lot
is Tripura and it is going to extend up to Sabroom in near future and moreover soon it will be transformed to
broadgauge lines, there lies a good scope and prospects for ralway food stalls as an income generating
source for unemployed youths of this state.
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[Page-17]
E] Total Capital Requirement:
1. Fixed Capital: (Rs. In Lakh)
i. Land: (Rented) 0.00
ii. Building/Shop/Showroom/Store: 2.00iii. Brand/Franchisee Fee (if any): 0.00
iv. Equipments/machines required: 0.00
v. Misc. Fixed Assets: 1.00
(Furnitures, Fixtures, electrification etc.)
Total 3.00
vi. Preliminary & Pre-operative expenses: 0.20
Total amount of Fixed Capital required 3.20
2. Working Capital: (Rs. In Lakh)
i. Cost of items [2 Months] 3.00ii. Staff Salary [1 Months] 0.10
iii. Receivables [1 Months] 0.10
iv. Misc. reccuring expenses [1 Months] 0.10
Total amount of Working Capital required 3.30
Total Fund Required for the Project: [1 + 2] Rs 6.50 Lakh
3. Means of Finance: (Rs. In Lakh)
Urban Rural
i. Composite Loan Under PMEGP 4.55 3.90
ii. Subsidy entitled: 1.63 2.28
iii. Own contribution @ 5% of Project Cost: 0.33 0.33
Total 6.50 6.50
F] Annual Sales Forecasting:Monthly sales
Items/services Amount (Rs)
1 Cooked foods 120000
2 Packaged items and softdrinks etc. 80000
Total 200000
Total Projected annual sale = Rs 24 Lakh
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[Page-18]
G] Projected Profitability of the Project:
: Rate of Subsidy entitled 25 %
Annual Increase in Operating Expenses: 7 %
Rate of interest on loan: 13 %
Rate of depriciation on fixed assets: 10 %
: 1 2 3 4 5
% 100 108 115 120 125
Expected Sales: 24.00 25.92 27.60 28.80 30.00
Less Cost of Materials: 18.00 19.44 20.70 21.60 22.50
(12): 6.00 6.48 6.90 7.20 7.50
Less other operating expenses:
i) Rent for Shop: 0.60 0.64 0.69 0.74 0.79
ii) Salary for staff: 1.20 1.28 1.37 1.47 1.57iii) Electricity and maintainance: 0.30 0.32 0.34 0.37 0.39
iv) Office expenses (Stationary, Telephone etc.) 0.20 0.21 0.23 0.25 0.26
v) Advertising and Selling expenses: 0.20 0.21 0.23 0.25 0.26
vi) Insurance and other misc. expenses: 0.10 0.11 0.11 0.12 0.13
Total of Sl. 4. 2.60 2.78 2.98 3.19 3.41
Profit before Depriciation, Interest and Taxes(3-4): 3.40 3.70 3.92 4.01 4.09
Less Depriciation on Fixed Assets:
profit before interest and taxes (5-6): 3.10 3.40 3.62 3.71 3.79
Less Interest payable on loan: 0.59 0.47 0.35 0.24 0.12
Profit before taxes (7-8): 2.51 2.92 3.27 3.48 3.67
Income Tax payable: 0.05 0.09 0.13 0.15 0.17
(910): 2.46 2.83 3.14 3.33 3.50
: 10.24 10.94 11.37 11.56 11.68
Provision for repayment of loan: 0.91 0.91 0.91 0.91 0.91
Retained Profit (11-12): 1.55 1.92 2.23 2.42 2.59
Net Cash Accruals 1.85 2.22 2.53 2.72 2.89
[Depreciation added back with retained profit]
Cumulated Net profit: 2.46 5.29 8.43 11.76 15.26
: 28 Months
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[Page-19]
L] Repayment Schedule:
: 5
:
1 2 3 4 5
Refundable loan at the beginning of the year: 4.55 3.64 2.73 1.82 0.91
Proposed Repayment during the year: 0.91 0.91 0.91 0.91 0.91
Refundable loan at the end of the year: 3.64 2.73 1.82 0.91 0.00
Total Debt-Service [Interest+Repayment]: 1.50 1.38 1.26 1.15 1.03
Fund Available for Debt-Service: 3.40 3.70 3.92 4.01 4.09
Debt-Service Coverage Ratio: 2.26 2.67 3.10 3.50 3.98
M] Projected Cash Flow Statement:
) : During The- 1 2 3 4 5
i) Own Investment: 0.325
ii) Loan from Bank: 4.550
iii) Increase in Subsidy: 1.625
iv) Profit Before Interest and taxes: 3.100 3.398 3.623 3.715 3.792v) Depreciation added back: 0.300 0.300 0.300 0.300 0.300
9.900 3.698 3.923 4.015 4.092
) :
i) Increase in Fixed Assets: 3.000
ii) Preliminary Expenses: 0.200
iii) Increase in Working Capital: 3.300
iv) Decrease in Loan: 0.910 0.910 0.910 0.910 0.910
v) Interest payable: 0.592 0.473 0.355 0.237 0.118
vi) Income Tax Payable: 0.050 0.090 0.130 0.150 0.170
8.052 1.473 1.395 1.297 1.198
: 1.849 4.073 6.602 9.320
/ : 1.849 2.225 2.528 2.718 2.894
: 1.849 4.073 6.602 9.320 12.214
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[Page-20]
N] Projected Balance Sheet:
1 2 3 4 5
) :
i) Own Investment: 0.33 0.33 0.33 0.33 0.33
ii) Cumulated Net Profit: 2.46 5.29 8.43 11.76 15.26
Net Worth: 2.78 5.62 8.76 12.08 15.59
iii) Subsidy: 1.63 1.63 1.63 1.63 1.63
iv) Loan at Bank: 3.64 2.73 1.82 0.91 0.00
8.05 9.97 12.20 14.62 17.21
) :
Gross Block as Fixed Assets and Pre. Expenses: 3.20 2.90 2.60 2.30 2.00
Less depreciation on Fixed Assets: 0.30 0.30 0.30 0.30 0.30
i) Net Block: 2.90 2.60 2.30 2.00 1.70
ii) Working Capital: 3.30 3.30 3.30 3.30 3.30
iii) Cash balance: 1.85 4.07 6.60 9.32 12.21
8.05 9.97 12.20 14.62 17.21
: 6.500 6.50 5.91 5.44 5.08 4.84
: 37.82 47.98 57.74 65.51 72.33
[100XNet profit/Total Investment]
O] Calculation of Break-Even Point:
:
Rent, Interest & Depreciation % 1.492 0.773 0.655 0.537 0.418
Other Operating Expenses % 1.000 1.070 1.145 1.225 1.311
2.492 1.843 1.800 1.762 1.729
% 42.290 33.264 31.448 30.497 29.704
[100xFC/(FC+Net profit)]
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[Page - 21]
Prepared for the Directorate of Industries & Commerce, Government of Tripura
A] Introduction:
B] About the Product(s)/Service(s):
C] About the Market:
D] Requirement of Infrastructure:
The major infrastructure requirements are
1. Building/Shop/Showroom/Store: (Rented) 0.00 Lakh
2. Power 5 KW
3. Water 20 Ltrs / Day
Model Project Profiles of Potential Industries for finance under PMEGP in Tripura. Prepared by SOFED, Agartala
Railway service has been started in Tripura in the year 1964, however it was limited only up to Manughat
prior to the year 2008, when railway service started from the state capital Agartala in full fledge. From 2008
onwards a new income generating activity has emerged in the state in the form of railway stalls of food,
books etc. and a large number of families are dependent on this for their livelihood. Since railway service is
yet to grow a lot is Tripura and it is going to extend up to Sabroom in near future and moreover soon it will
be transformed to broadgauge lines, there lies a good scope and prospects for ralway book stalls as an
income generating source for unemployed youths of this state.
This project is on setting up of a small Book stall at Railway Stations for retailling/selling of various kinds of
books, Magazines and news paper targeting the passangers. This project has been prepared, keeping in
view the guidelines of Prime Minister's Employment Generation Pogramme (PMEGP) under which an
entrepreneur can sought financial assistance to start up this project. This project will require very minimum
expenditure on fixed assets like stall and hence amount of fixed capital required will be minimum required
only for Stall (including furnitures and fixtures etc)
The Railway Book stall will deal with various kinds of Books, Magazines, News Paper, journals, information
booklets etc. suitable for reading while travelling.
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[Page-22]
E] Total Capital Requirement:
1. Fixed Capital: (Rs. In Lakh)
i. Land: (Rented) 0.00
ii. Building/Shop/Showroom/Store: 2.00iii. Brand/Franchisee Fee (if any): 0.00
iv. Equipments/machines required: 0.00
v. Misc. Fixed Assets: 0.80
(Furnitures, Fixtures, electrification etc.)
Total 2.80
vi. Preliminary & Pre-operative expenses: 0.10
Total amount of Fixed Capital required 2.90
2. Working Capital: (Rs. In Lakh)
i. Cost of items [2 Months] 2.00ii. Staff Salary [1 Months] 0.03
iii. Receivables [1 Months] 0.02
iv. Misc. reccuring expenses [1 Months] 0.05
Total amount of Working Capital required 2.10
Total Fund Required for the Project: [1 + 2] Rs 5.00 Lakh
3. Means of Finance: (Rs. In Lakh)
Urban Rural
i. Composite Loan Under PMEGP 3.50 3.00
ii. Subsidy entitled: 1.25 1.75
iii. Own contribution @ 5% of Project Cost: 0.25 0.25
Total 5.00 5.00
F] Annual Sales Forecasting:Monthly sales
Items/services Amount (Rs)
1 Books 70000
2 Journals/Newspapers etc. 60000
Total 130000
Total Projected annual sale = Rs 15.6 Lakh
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[Page-23]
G] Projected Profitability of the Project:
: Rate of Subsidy entitled 25 %
Annual Increase in Operating Expenses: 7 %
Rate of interest on loan: 13 %
Rate of depriciation on fixed assets: 10 %
: 1 2 3 4 5
% 100 108 115 120 125
Expected Sales: 15.60 16.85 17.94 18.72 19.50
Less Cost of Materials: 12.00 12.96 13.80 14.40 15.00
(12): 3.60 3.89 4.14 4.32 4.50
Less other operating expenses:
i) Rent for Shop: 0.60 0.64 0.69 0.74 0.79
ii) Salary for staff: 0.36 0.39 0.41 0.44 0.47iii) Electricity and maintainance: 0.24 0.26 0.27 0.29 0.31
iv) Office expenses (Stationary, Telephone etc.) 0.10 0.11 0.11 0.12 0.13
v) Advertising and Selling expenses: 0.10 0.11 0.11 0.12 0.13
vi) Insurance and other misc. expenses: 0.05 0.05 0.06 0.06 0.07
Total of Sl. 4. 1.45 1.55 1.66 1.78 1.90
Profit before Depriciation, Interest and Taxes(3-4): 2.15 2.34 2.48 2.54 2.60
Less Depriciation on Fixed Assets:
profit before interest and taxes (5-6): 1.87 2.06 2.20 2.26 2.32
Less Interest payable on loan: 0.46 0.36 0.27 0.18 0.09
Profit before taxes (7-8): 1.42 1.69 1.93 2.08 2.23
Income Tax payable: 0.00 0.00 0.00 0.01 0.02
(910): 1.42 1.69 1.93 2.07 2.21
: 9.07 10.05 10.74 11.07 11.32
Provision for repayment of loan: 0.70 0.70 0.70 0.70 0.70
Retained Profit (11-12): 0.72 0.99 1.23 1.37 1.51
Net Cash Accruals 1.00 1.27 1.51 1.65 1.79
[Depreciation added back with retained profit]
Cumulated Net profit: 1.42 3.11 5.03 7.11 9.31
: 36 Months
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[Page-24]
L] Repayment Schedule:
: 5
:
1 2 3 4 5
Refundable loan at the beginning of the year: 3.50 2.80 2.10 1.40 0.70
Proposed Repayment during the year: 0.70 0.70 0.70 0.70 0.70
Refundable loan at the end of the year: 2.80 2.10 1.40 0.70 0.00
Total Debt-Service [Interest+Repayment]: 1.16 1.06 0.97 0.88 0.79
Fund Available for Debt-Service: 2.15 2.34 2.48 2.54 2.60
Debt-Service Coverage Ratio: 1.86 2.20 2.55 2.88 3.29
M] Projected Cash Flow Statement:
) : During The- 1 2 3 4 5
i) Own Investment: 0.250
ii) Loan from Bank: 3.500
iii) Increase in Subsidy: 1.250
iv) Profit Before Interest and taxes: 1.870 2.057 2.200 2.264 2.319v) Depreciation added back: 0.280 0.280 0.280 0.280 0.280
7.150 2.337 2.480 2.544 2.599
) :
i) Increase in Fixed Assets: 2.800
ii) Preliminary Expenses: 0.100
iii) Increase in Working Capital: 2.100
iv) Decrease in Loan: 0.700 0.700 0.700 0.700 0.700
v) Interest payable: 0.455 0.364 0.273 0.182 0.091
vi) Income Tax Payable: 0.000 0.000 0.000 0.010 0.020
6.155 1.064 0.973 0.892 0.811
: 0.995 2.268 3.774 5.426
/ : 0.995 1.273 1.507 1.652 1.788
: 0.995 2.268 3.774 5.426 7.214
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[Page-25]
N] Projected Balance Sheet:
1 2 3 4 5
) :
i) Own Investment: 0.25 0.25 0.25 0.25 0.25
ii) Cumulated Net Profit: 1.42 3.11 5.03 7.11 9.31
Net Worth: 1.67 3.36 5.28 7.36 9.56
iii) Subsidy: 1.25 1.25 1.25 1.25 1.25
iv) Loan at Bank: 2.80 2.10 1.40 0.70 0.00
5.72 6.71 7.93 9.31 10.81
) :
Gross Block as Fixed Assets and Pre. Expenses: 2.90 2.62 2.34 2.06 1.78
Less depreciation on Fixed Assets: 0.28 0.28 0.28 0.28 0.28
i) Net Block: 2.62 2.34 2.06 1.78 1.50
ii) Working Capital: 2.10 2.10 2.10 2.10 2.10
iii) Cash balance: 1.00 2.27 3.77 5.43 7.21
5.72 6.71 7.93 9.31 10.81
: 5.000 5.00 4.55 4.18 3.91 3.73
: 28.30 37.24 46.09 53.01 59.27
[100XNet profit/Total Investment]
O] Calculation of Break-Even Point:
:
Rent, Interest & Depreciation % 1.335 0.644 0.553 0.462 0.371
Other Operating Expenses % 0.425 0.455 0.487 0.521 0.557
1.760 1.099 1.040 0.983 0.928
% 45.013 31.985 29.538 27.866 26.311
[100xFC/(FC+Net profit)]
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[Page - 26]
Prepared for the Directorate of Industries & Commerce, Government of Tripura
A] Introduction:
B] About the Product(s)/Service(s):
C] About the Market:
D] Requirement of Infrastructure:
The major infrastructure requirements are
1. Building/Shop/Showroom/Store: 400 Sq ft.
2. Power 5 KW
3. Water 20 Ltrs / Day
Model Project Profiles of Potential Industries for finance under PMEGP in Tripura. Prepared by SOFED, Agartala
This project is on setting up of a shop/outlet for retailling/selling of various kinds of Fertilizer, Pesticide,
Seeds, implement etc for use of the farmers. This project has been prepared, keeping in view the guidelines
of Prime Minister's Employment Generation Pogramme (PMEGP) under which an entrepreneur can sought
financial assistance to start up this project. This project will require very minimum expenditure on fixed
assets. Capital Expenditure will be needed only for the store/shop/Stall (including furnitures and fixtures etc)
The Kisan Service/Product Centre will deal with various kinds of Fertilizer, Pesticide, Seeds, implement etc
for use of the farmers.
Tripura is endowed with varied ago-climate, which facilitates production of a wide variety of agricultural
commodities. There is growing demand for agricultural inputs like feed and fodder, inorganic fertilizers, bio-
fertilizers. Biotechnology applications in agriculture have vast scope in production of seed, bio-controlagents, industrial harnessing of microbes for bakery products. Organic farming has highest potential in
Tripura as the pesticide and inorganic fertilizer application are less in India compared to industrial nations of
the world. The farmers can be encouraged and educated to switch over for organic farming. There is wide
scope for production and promotion of bio-pesticides and bio-control agents for protection of crops. The
enhanced agricultural production throws open opportunities for employment in marketing, storage and
warehousing facilities, Fertilizers, Pesticides etc. and other allied services.
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[Page-27]
E] Total Capital Requirement:
1. Fixed Capital: (Rs. In Lakh)
i. Land: (Own) 0.00
ii. Building/Shop/Showroom/Store: 2.50iii. Brand/Franchisee Fee (if any): 0.00
iv. Equipments/machines required: 0.00
v. Misc. Fixed Assets: 0.80
(Furnitures, Fixtures, electrification etc.)
Total 3.30
vi. Preliminary & Pre-operative expenses: 0.30
Total amount of Fixed Capital required 3.60
2. Working Capital: (Rs. In Lakh)
i. Cost of items [3 Months] 3.00ii. Staff Salary [1 Months] 0.10
iii. Receivables [2 Months] 1.00
iv. Misc. reccuring expenses [1 Months] 0.10
Total amount of Working Capital required 4.20
Total Fund Required for the Project: [1 + 2] Rs 7.80 Lakh
3. Means of Finance: (Rs. In Lakh)
Urban Rural
i. Composite Loan Under PMEGP 5.46 4.68
ii. Subsidy entitled: 1.95 2.73
iii. Own contribution @ 5% of Project Cost: 0.39 0.39
Total 7.80 7.80
F] Annual Sales Forecasting:Monthly sales
Items/services Amount (Rs)
1 Fertilizers 70000
2 Pesticides 50000
3 Others 25000
Total 145000
Total Projected annual sale = Rs 17.4 Lakh
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[Page-28]
G] Projected Profitability of the Project:
: Rate of Subsidy entitled 25 %
Annual Increase in Operating Expenses: 7 %
Rate of interest on loan: 13 %
Rate of depriciation on fixed assets: 10 %
: 1 2 3 4 5
% 100 108 115 120 125
Expected Sales: 17.40 18.79 20.01 20.88 21.75
Less Cost of Materials: 12.00 12.96 13.80 14.40 15.00
(12): 5.40 5.83 6.21 6.48 6.75
Less other operating expenses:
i) Rent for Shop: 0.00 0.00 0.00 0.00 0.00
ii) Salary for staff: 1.20 1.28 1.37 1.47 1.57iii) Electricity and maintainance: 0.24 0.26 0.27 0.29 0.31
iv) Office expenses (Stationary, Telephone etc.) 0.10 0.11 0.11 0.12 0.13
v) Advertising and Selling expenses: 0.10 0.11 0.11 0.12 0.13
vi) Insurance and other misc. expenses: 0.10 0.11 0.11 0.12 0.13
Total of Sl. 4. 1.74 1.86 1.99 2.13 2.28
Profit before Depriciation, Interest and Taxes(3-4): 3.66 3.97 4.22 4.35 4.47
Less Depriciation on Fixed Assets:
profit before interest and taxes (5-6): 3.33 3.64 3.89 4.02 4.14
Less Interest payable on loan: 0.71 0.57 0.43 0.28 0.14
Profit before taxes (7-8): 2.62 3.07 3.46 3.73 4.00
Income Tax payable: 0.07 0.11 0.15 0.17 0.20
(910): 2.55 2.96 3.31 3.56 3.80
: 14.66 15.76 16.55 17.07 17.46
Provision for repayment of loan: 1.09 1.09 1.09 1.09 1.09
Retained Profit (11-12): 1.46 1.87 2.22 2.47 2.71
Net Cash Accruals 1.79 2.20 2.55 2.80 3.04
[Depreciation added back with retained profit]
Cumulated Net profit: 2.55 5.51 8.82 12.39 16.19
: 32 Months
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[Page-29]
L] Repayment Schedule:
: 5
:
1 2 3 4 5
Refundable loan at the beginning of the year: 5.46 4.37 3.28 2.18 1.09
Proposed Repayment during the year: 1.09 1.09 1.09 1.09 1.09
Refundable loan at the end of the year: 4.37 3.28 2.18 1.09 0.00
Total Debt-Service [Interest+Repayment]: 1.80 1.66 1.52 1.38 1.23
Fund Available for Debt-Service: 3.66 3.97 4.22 4.35 4.47
Debt-Service Coverage Ratio: 2.03 2.39 2.78 3.16 3.62
M] Projected Cash Flow Statement:
) : During The- 1 2 3 4 5
i) Own Investment: 0.390
ii) Loan from Bank: 5.460
iii) Increase in Subsidy: 1.950
iv) Profit Before Interest and taxes: 3.330 3.640 3.888 4.018 4.139v) Depreciation added back: 0.330 0.330 0.330 0.330 0.330
11.460 3.970 4.218 4.348 4.469
) :
i) Increase in Fixed Assets: 3.300
ii) Preliminary Expenses: 0.300
iii) Increase in Working Capital: 4.200
iv) Decrease in Loan: 1.092 1.092 1.092 1.092 1.092
v) Interest payable: 0.710 0.568 0.426 0.284 0.142
vi) Income Tax Payable: 0.070 0.110 0.150 0.170 0.200
9.672 1.770 1.668 1.546 1.434
: 1.788 3.989 6.539 9.341
/ : 1.788 2.200 2.550 2.803 3.035
: 1.788 3.989 6.539 9.341 12.376
Model Project Profiles of Potential Industries for finance under PMEGP in Tripura. Prepared by SOFED, Agartala
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N] Projected Balance Sheet:
1 2 3 4 5
) :
i) Own Investment: 0.39 0.39 0.39 0.39 0.39
ii) Cumulated Net Profit: 2.55 5.51 8.82 12.39 16.19
Net Worth: 2.94 5.90 9.21 12.78 16.58
iii) Subsidy: 1.95 1.95 1.95 1.95 1.95
iv) Loan at Bank: 4.37 3.28 2.18 1.09 0.00
9.26 11.13 13.35 15.82 18.53
) :
Gross Block as Fixed Assets and Pre. Expenses: 3.60 3.27 2.94 2.61 2.28
Less depreciation on Fixed Assets: 0.33 0.33 0.33 0.33 0.33
i) Net Block: 3.27 2.94 2.61 2.28 1.95
ii) Working Capital: 4.20 4.20 4.20 4.20 4.20
iii) Cash balance: 1.79 3.99 6.54 9.34 12.38
9.26 11.13 13.35 15.82 18.53
: 7.800 7.80 7.09 6.52 6.10 5.81
: 32.69 41.78 50.78 58.47 65.33
[100XNet profit/Total Investment]
O] Calculation of Break-Even Point:
:
Rent, Interest & Depreciation % 1.040 0.898 0.756 0.614 0.472
Other Operating Expenses % 0.870 0.931 0.996 1.066 1.140
1.910 1.829 1.752 1.680 1.612
% 34.288 31.536 29.347 27.864 26.512
[100xFC/(FC+Net profit)]
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[Page - 31]
Prepared for the Directorate of Industries & Commerce, Government of Tripura
A] Introduction:
B] About the Product(s)/Service(s):
C] About the Market:
D] Requirement of Infrastructure:The major infrastructure requirements are
1. Building/Shop/Showroom/Store: 100 Sq ft.
2. Power 5 KW
3. Water 200 Ltrs / Day
Model Project Profiles of Potential Industries for finance under PMEGP in Tripura. Prepared by SOFED, Agartala
This project is on setting up of a Florist shop/outlet for retailling/selling of various kinds of Flowers, Bouquet,
Flower Buds, Seeds etc. and will also provide flower decoration services for homes as well as cars etc. for
any kind of events like marriage ceremony etc. This project has been prepared, keeping in view the
guidelines of Prime Minister's Employment Generation Pogramme (PMEGP) under which an entrepreneur
can sought financial assistance to start up this project. This project will require very minimum expenditure
on fixed assets. Capital Expenditure will be needed only for the store/shop/Stall furnitures and fixtures etc.
The Florist Shop will deal with various kinds of Flowers, Bouquet, Flower Buds, Seeds etc. and will also
provide flower decoration services for homes as well as cars etc. for any kind of events like marriage
ceremony etc.
The scarcity of flowers in the state has provided a golden opportunity for businessmen here to explore
floriculture along with florist shops, which has actually turned out to be a lucrative option. Sensing
opportunities in this sector, the local entrepreneurs have started entering the market. Heavy demand during
the festive and wedding seasons creates a good scope for a florist shop as an income generating activity
for unemployed youths. At present most of the florist shop is concentrated at the centre point of the state
capital Agartala and thus showing a good scope of such shops in other parts of the city and state as well.
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[Page-32]
E] Total Capital Requirement:
1. Fixed Capital: (Rs. In Lakh)
i. Land: 0.00
ii. Building/Shop/Showroom/Store: (Rented) 0.00iii. Brand/Franchisee Fee (if any): 0.00
iv. Equipments/machines required: 0.50
v. Misc. Fixed Assets: 1.00
(Furnitures, Fixtures, electrification etc.)
Total 1.50
vi. Preliminary & Pre-operative expenses: 0.30
Total amount of Fixed Capital required 1.80
2. Working Capital: (Rs. In Lakh)
i. Cost of items [2 Months] 2.80ii. Staff Salary [1 Months] 0.10
iii. Receivables [1 Months] 0.20
iv. Misc. reccuring expenses [1 Months] 0.10
Total amount of Working Capital required 3.20
Total Fund Required for the Project: [1 + 2] Rs 5.00 Lakh
3. Means of Finance: (Rs. In Lakh)
Urban Rural
i. Composite Loan Under PMEGP 3.50 3.00
ii. Subsidy entitled: 1.25 1.75
iii. Own contribution @ 5% of Project Cost: 0.25 0.25
Total 5.00 5.00
F] Annual Sales Forecasting:Monthly sales
Items/services Amount (Rs)
1 Flowers/Bouquet 120000
2 Flower buds/seeds 30000
3 Other Decoration services 30000
Total 180000
Total Projected annual sale = Rs 21.6 Lakh
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[Page-33]
G] Projected Profitability of the Project:
: Rate of Subsidy entitled 25 %
Annual Increase in Operating Expenses: 7 %
Rate of interest on loan: 13 %
Rate of depriciation on fixed assets: 10 %
: 1 2 3 4 5
% 100 108 115 120 125
Expected Sales: 21.60 23.33 24.84 25.92 27.00
Less Cost of Materials: 16.80 18.14 19.32 20.16 21.00
(12): 4.80 5.18 5.52 5.76 6.00
Less other operating expenses:
i) Rent for Shop: 0.36 0.39 0.41 0.44 0.47
ii) Salary for staff: 1.20 1.28 1.37 1.47 1.57iii) Electricity and maintainance: 0.24 0.26 0.27 0.29 0.31
iv) Office expenses (Stationary, Telephone etc.) 0.10 0.11 0.11 0.12 0.13
v) Advertising and Selling expenses: 0.10 0.11 0.11 0.12 0.13
vi) Insurance and other misc. expenses: 0.05 0.05 0.06 0.06 0.07
Total of Sl. 4. 2.05 2.19 2.35 2.51 2.69
Profit before Depriciation, Interest and Taxes(3-4): 2.75 2.99 3.17 3.25 3.31
Less Depriciation on Fixed Assets:
profit before interest and taxes (5-6): 2.60 2.84 3.02 3.10 3.16
Less Interest payable on loan: 0.46 0.36 0.27 0.18 0.09
Profit before taxes (7-8): 2.15 2.48 2.75 2.92 3.07
Income Tax payable: 0.02 0.05 0.08 0.09 0.11
(910): 2.13 2.43 2.67 2.83 2.96
: 9.86 10.40 10.75 10.91 10.97
Provision for repayment of loan: 0.70 0.70 0.70 0.70 0.70
Retained Profit (11-12): 1.43 1.73 1.97 2.13 2.26
Net Cash Accruals 1.58 1.88 2.12 2.28 2.41
[Depreciation added back with retained profit]
Cumulated Net profit: 2.13 4.56 7.23 10.05 13.01
: 26 Months
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[Page-34]
L] Repayment Schedule:
: 5
:
1 2 3 4 5
Refundable loan at the beginning of the year: 3.50 2.80 2.10 1.40 0.70
Proposed Repayment during the year: 0.70 0.70 0.70 0.70 0.70
Refundable loan at the end of the year: 2.80 2.10 1.40 0.70 0.00
Total Debt-Service [Interest+Repayment]: 1.16 1.06 0.97 0.88 0.79
Fund Available for Debt-Service: 2.75 2.99 3.17 3.25 3.31
Debt-Service Coverage Ratio: 2.38 2.81 3.26 3.68 4.19
M] Projected Cash Flow Statement:
) : During The- 1 2 3 4 5
i) Own Investment: 0.250
ii) Loan from Bank: 3.500
iii) Increase in Subsidy: 1.250
iv) Profit Before Interest and taxes: 2.600 2.841 3.023 3.099 3.163v) Depreciation added back: 0.150 0.150 0.150 0.150 0.150
7.750 2.991 3.173 3.249 3.313
) :
i) Increase in Fixed Assets: 1.500
ii) Preliminary Expenses: 0.300
iii) Increase in Working Capital: 3.200
iv) Decrease in Loan: 0.700 0.700 0.700 0.700 0.700
v) Interest payable: 0.455 0.364 0.273 0.182 0.091
vi) Income Tax Payable: 0.015 0.050 0.080 0.090 0.110
6.170 1.114 1.053 0.972 0.901
: 1.580 3.457 5.576 7.853
/ : 1.580 1.877 2.120 2.277 2.412
: 1.580 3.457 5.576 7.853 10.265
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[Page-35]
N] Projected Balance Sheet:
1 2 3 4 5
) :
i) Own Investment: 0.25 0.25 0.25 0.25 0.25
ii) Cumulated Net Profit: 2.13 4.56 7.23 10.05 13.01
Net Worth: 2.38 4.81 7.48 10.30 13.26
iii) Subsidy: 1.25 1.25 1.25 1.25 1.25
iv) Loan at Bank: 2.80 2.10 1.40 0.70 0.00
6.43 8.16 10.13 12.25 14.51
) :
Gross Block as Fixed Assets and Pre. Expenses: 1.80 1.65 1.50 1.35 1.20
Less depreciation on Fixed Assets: 0.15 0.15 0.15 0.15 0.15
i) Net Block: 1.65 1.50 1.35 1.20 1.05
ii) Working Capital: 3.20 3.20 3.20 3.20 3.20
iii) Cash balance: 1.58 3.46 5.58 7.85 10.26
6.43 8.16 10.13 12.25 14.51
: 5.000 5.00 4.55 4.18 3.91 3.73
: 42.60 53.39 63.86 72.33 79.49
[100XNet profit/Total Investment]
O] Calculation of Break-Even Point:
:
Rent, Interest & Depreciation % 0.965 0.514 0.423 0.332 0.241
Other Operating Expenses % 0.845 0.904 0.967 1.035 1.108
1.810 1.418 1.390 1.367 1.349
% 39.693 32.167 30.469 29.619 28.931
[100xFC/(FC+Net profit)]
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[Page - 36]
Prepared for the Directorate of Industries & Commerce, Government of Tripura
A] Introduction:
B] About the Product(s)/Service(s):
C] About the Market:
D] Requirement of Infrastructure:
The major infrastructure requirements are
1. Building/Shop/Showroom/Store: 400 Sq ft.
2. Power 20 KW
3. Water 500 Ltrs / Day
Model Project Profiles of Potential Industries for finance under PMEGP in Tripura. Prepared by SOFED, Agartala
This project is on setting up of an Ice Cream Parlour with Franchisee from any reputed chain of Ice cream
parlours or by any self owned brand. This project has been prepared, keeping in view the guidelines of
Prime Minister's Employment Generation Pogramme (PMEGP) under which an entrepreneur can sought
financial assistance to start up this project.
The Ice cream Parlour will deal with various kinds/flavours of Ice Creams (viz. Vanilla, Chocolate,
Pineapple, Cashew, Orange etc.)
The ice cream market in Agartala is growing at around 15 per cent year-on-year and is expected to expand
further with the increase in number of markets/Shopping complexes and the ever-growing retail sector. With
a rapidly growing young earning population, rising disposable incomes, change in taste and the spendingcapacity on leisure is leading to a surge in the Ice Cream market. Compared to the other developed
markets, ice cream consumption is quite low and therefore offers great potential especially with plethora of
new retail formats available today and openness among consumers with regards to these global formats
and consumption pattern.
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[Page-37]
E] Total Capital Requirement:
1. Fixed Capital: (Rs. In Lakh)i. Land: 0.00
ii. Building/Shop/Showroom/Store: (Rented) 0.00
iii. Brand/Franchisee Fee: 1.00iv. Equipments/machines required: 3.20
a. Refregirators/Storage Boxes 250000
b. Mixer 20000
c. Utensils/Glasswares/Containers etc. 30000
d. Dices and other misc. tools/equipments etc. 20000
v. Misc. Fixed Assets: 1.50
(Furnitures, Fixtures, electrification etc.)
Total 5.70
vi. Preliminary & Pre-operative expenses: 0.30
Total amount of Fixed Capital required 6.00
2. Working Capital: (Rs. In Lakh)
i. Cost of items [2 Months] 3.00
ii. Staff Salary [1 Months] 0.50
iii. Receivables [1 Months] 0.30
iv. Misc. reccuring expenses [1 Months] 0.20
Total amount of Working Capital required 4.00
Total Fund Required for the Project: [1 + 2] Rs 10.00 Lakh
3. Means of Finance: (Rs. In Lakh)
Urban Rural
i. Composite Loan Under PMEGP 7.00 6.00
ii. Subsidy entitled: 2.50 3.50
iii. Own contribution @ 5% of Project Cost: 0.50 0.50
Total 10.00 10.00
F] Annual Sales Forecasting:Monthly sales
Items/services Amount (Rs)
1 Retail Sales 180000
2 Bulk Supplies 50000
3 Others 20000
Total 250000
Total Projected annual sale = Rs 30 Lakh
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[Page-38]
G] Projected Profitability of the Project:
: Rate of Subsidy entitled 25 %
Annual Increase in Operating Expenses: 7 %
Rate of interest on loan: 13 %
Rate of depriciation on fixed assets: 10 %
: 1 2 3 4 5
% 100 108 115 120 125
Expected Sales: 30.00 32.40 34.50 36.00 37.50
Less Cost of Materials: 18.00 19.44 20.70 21.60 22.50
(12): 12.00 12.96 13.80 14.40 15.00
Less other operating expenses:
i) Rent for Shop: 0.00 0.00 0.00 0.00 0.00
ii) Salary for staff: 6.00 6.42 6.87 7.35 7.86iii) Electricity and maintainance: 0.60 0.64 0.69 0.74 0.79
iv) Office expenses (Stationary, Telephone etc.) 0.20 0.21 0.23 0.25 0.26
v) Advertising and Selling expenses: 0.20 0.21 0.23 0.25 0.26
vi) Insurance and other misc. expenses: 0.10 0.11 0.11 0.12 0.13
Total of Sl. 4. 7.10 7.60 8.13 8.70 9.31
Profit before Depriciation, Interest and Taxes(3-4): 4.90 5.36 5.67 5.70 5.69
Less Depriciation on Fixed Assets:
profit before interest and taxes (5-6): 4.33 4.79 5.10 5.13 5.12
Less Interest payable on loan: 0.91 0.73 0.55 0.36 0.18
Profit before taxes (7-8): 3.42 4.07 4.56 4.77 4.94
Income Tax payable: 0.14 0.21 0.26 0.28 0.30
(910): 3.28 3.86 4.30 4.49 4.64
: 10.93 11.90 12.45 12.47 12.38
Provision for repayment of loan: 1.40 1.40 1.40 1.40 1.40
Retained Profit (11-12): 1.88 2.46 2.90 3.09 3.24
Net Cash Accruals 2.45 3.03 3.47 3.66 3.81
[Depreciation added back with retained profit]
Cumulated Net profit: 3.28 7.14 11.43 15.92 20.56
: 31 Months
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[Page-39]
L] Repayment Schedule:
: 5
:
1 2 3 4 5
Refundable loan at the beginning of the year: 7.00 5.60 4.20 2.80 1.40
Proposed Repayment during the year: 1.40 1.40 1.40 1.40 1.40
Refundable loan at the end of the year: 5.60 4.20 2.80 1.40 0.00
Total Debt-Service [Interest+Repayment]: 2.31 2.13 1.95 1.76 1.58
Fund Available for Debt-Service: 4.90 5.36 5.67 5.70 5.69
Debt-Service Coverage Ratio: 2.12 2.52 2.91 3.23 3.60
M] Projected Cash Flow Statement:
) : During The- 1 2 3 4 5
i) Own Investment: 0.500
ii) Loan from Bank: 7.000
iii) Increase in Subsidy: 2.500
iv) Profit Before Interest and taxes: 4.330 4.793 5.101 5.132 5.123v) Depreciation added back: 0.570 0.570 0.570 0.570 0.570
14.900 5.363 5.671 5.702 5.693
) :
i) Increase in Fixed Assets: 5.700
ii) Preliminary Expenses: 0.300
iii) Increase in Working Capital: 4.000
iv) Decrease in Loan: 1.400 1.400 1.400 1.400 1.400
v) Interest payable: 0.910 0.728 0.546 0.364 0.182
vi) Income Tax Payable: 0.140 0.210 0.260 0.280 0.300
12.450 2.338 2.206 2.044 1.882
: 2.450 5.475 8.940 12.598
/ : 2.450 3.025 3.465 3.658 3.811
: 2.450 5.475 8.940 12.598 16.410
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[Page-40]
N] Projected Balance Sheet:
1 2 3 4 5
) :
i) Own Investment: 0.50 0.50 0.50 0.50 0.50
ii) Cumulated Net Profit: 3.28 7.14 11.43 15.92 20.56
Net Worth: 3.78 7.64 11.93 16.42 21.06
iii) Subsidy: 2.50 2.50 2.50 2.50 2.50
iv) Loan at Bank: 5.60 4.20 2.80 1.40 0.00
11.88 14.34 17.23 20.32 23.56
) :
Gross Block as Fixed Assets and Pre. Expenses: 6.00 5.43 4.86 4.29 3.72
Less depreciation on Fixed Assets: 0.57 0.57 0.57 0.57 0.57
i) Net Block: 5.43 4.86 4.29 3.72 3.15
ii) Working Capital: 4.00 4.00 4.00 4.00 4.00
iii) Cash balance: 2.45 5.48 8.94 12.60 16.41
11.88 14.34 17.23 20.32 23.56
: 10.000 10.00 9.09 8.36 7.82 7.45
: 32.80 42.41 51.37 57.42 62.28
[100XNet profit/Total Investment]
O] Calculation of Break-Even Point:
:
Rent, Interest & Depreciation % 1.480 1.298 1.116 0.934 0.752
Other Operating Expenses % 3.550 3.799 4.064 4.349 4.653
5.030 5.097 5.180 5.283 5.405
% 50.655 48.726 47.739 48.092 48.702
[100xFC/(FC+Net profit)]
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[Page - 41]
Prepared for the Directorate of Industries & Commerce, Government of Tripura
A] Introduction:
B] About the Product(s)/Service(s):
C] About the Market:
D] Requirement of Infrastructure:
The major infrastructure requirements are
1. Building/Shop/Showroom/Store: 100 Sq ft.
2. Power 4 KW3. Water 300 Ltrs / Day
Model Project Profiles of Potential Industries for finance under PMEGP in Tripura. Prepared by SOFED, Agartala
This project is on setting up of a Fruit Juice Centre. This project has been prepared, keeping in view the
guidelines of Prime Minister's Employment Generation Pogramme (PMEGP) under which an entrepreneur
can sought financial assistance to start up this project.
The Fruit Juice Centre will deal with various seasonal fruits as well as fresh fruit juice, fruit drinks (30% fruit
content) and nectar drinks (25-95% fruit content).
The increasing awarenes of the importance of healthy living has resulted in a surge in the growth of the fruit
and fruit juice market of Tripura. The market for fruit and vegetable juice has grown at a steady rate over
last 5-6 years. This is largely due to increasing importance of living a healthy life, changes in consumption
patterns of people, avoidance of consuming bottled soft drinks etc. The market of fruit juice in Tripura has
grown both in qualitative as well as quantitive terms. This creates a good scope for such fruit juice stalls
preferably in high footfall areas like markets, shopping complexes, importants railway stations and bus
stops/stands etc.
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[Page-42]
E] Total Capital Requirement:
1. Fixed Capital: (Rs. In Lakh)i. Land: 0.00
ii. Building/Shop/Showroom/Store: (Rented) 0.00
iii. Brand/Franchisee Fee: 0.00iv. Equipments/machines required: 1.35
a. Refregirators/Storage Boxes 100000
b. Mixer and grinder 15000
c. Utensils/Glasswares/Containers etc. 10000
d. Other misc. tools/equipments etc. 10000
v. Misc. Fixed Assets: 1.50
(Furnitures, Fixtures, electrification etc.)
Total 2.85
vi. Preliminary & Pre-operative expenses: 0.40
Total amount of Fixed Capital required 3.25
2. Working Capital: (Rs. In Lakh)
i. Cost of items [1 Months] 1.50
ii. Staff Salary [1 Months] 0.10
iii. Receivables [1 Months] 0.10
iv. Misc. reccuring expenses [1 Months] 0.05
Total amount of Working Capital required 1.75
Total Fund Required for the Project: [1 + 2] Rs 5.00 Lakh
3. Means of Finance: (Rs. In Lakh)
Urban Rural
i. Composite Loan Under PMEGP 3.50 3.00
ii. Subsidy entitled: 1.25 1.75
iii. Own contribution @ 5% of Project Cost: 0.25 0.25
Total 5.00 5.00
F] Annual Sales Forecasting:Monthly sales
Items/services Amount (Rs)
1 Fruit Juices (100% fruit content) 150000
2 Nectar Juice 925-95% fruit content) 20000
3 Fruit drinks (30% fruit content) 20000
Total 190000
Total Projected annual sale = Rs 22.8 Lakh
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[Page-44]
L] Repayment Schedule:
: 5
:
1 2 3 4 5
Refundable loan at the beginning of the year: 3.50 2.80 2.10 1.40 0.70
Proposed Repayment during the year: 0.70 0.70 0.70 0.70 0.70
Refundable loan at the end of the year: 2.80 2.10 1.40 0.70 0.00
Total Debt-Service [Interest+Repayment]: 1.16 1.06 0.97 0.88 0.79
Fund Available for Debt-Service: 2.90 3.15 3.34 3.43 3.51
Debt-Service Coverage Ratio: 2.51 2.96 3.44 3.89 4.44
M] Projected Cash Flow Statement:
) : During The- 1 2 3 4 5
i) Own Investment: 0.250
ii) Loan from Bank: 3.500
iii) Increase in Subsidy: 1.250
iv) Profit Before Interest and taxes: 2.615 2.866 3.060 3.147 3.224v) Depreciation added back: 0.285 0.285 0.285 0.285 0.285
7.900 3.151 3.345 3.432 3.509
) :
i) Increase in Fixed Assets: 2.850
ii) Preliminary Expenses: 0.400
iii) Increase in Working Capital: 1.750
iv) Decrease in Loan: 0.700 0.700 0.700 0.700 0.700
v) Interest payable: 0.455 0.364 0.273 0.182 0.091
vi) Income Tax Payable: 0.020 0.050 0.080 0.100 0.120
6.175 1.114 1.053 0.982 0.911
: 1.725 3.762 6.054 8.504
/ : 1.725 2.037 2.292 2.450 2.598
: 1.725 3.762 6.054 8.504 11.103
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[Page-45]
N] Projected Balance Sheet:
1 2 3 4 5
) :
i) Own Investment: 0.25 0.25 0.25 0.25 0.25
ii) Cumulated Net Profit: 2.14 4.59 7.30 10.16 13.18
Net Worth: 2.39 4.84 7.55 10.41 13.43
iii) Subsidy: 1.25 1.25 1.25 1.25 1.25
iv) Loan at Bank: 2.80 2.10 1.40 0.70 0.00
6.44 8.19 10.20 12.36 14.68
) :
Gross Block as Fixed Assets and Pre. Expenses: 3.25 2.97 2.68 2.40 2.11
Less depreciation on Fixed Assets: 0.29 0.29 0.29 0.29 0.29
i) Net Block: 2.97 2.68 2.40 2.11 1.83
ii) Working Capital: 1.75 1.75 1.75 1.75 1.75
iii) Cash balance: 1.73 3.76 6.05 8.50 11.10
6.44 8.19 10.20 12.36 14.68
: 5.000 5.00 4.55 4.18 3.91 3.73
: 42.80 53.95 64.74 73.32 80.88
[100XNet profit/Total Investment]
O] Calculation of Break-Even Point:
:
Rent, Interest & Depreciation % 0.740 0.649 0.558 0.467 0.376
Other Operating Expenses % 0.950 1.017 1.088 1.164 1.245
1.690 1.666 1.646 1.631 1.621
% 36.819 34.579 32.977 32.209 31.599
[100xFC/(FC+Net profit)]
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[Page - 46]
Prepared for the Directorate of Industries & Commerce, Government of Tripura
A] Introduction:
B] About the Product(s)/Service(s):
C] About the Market:
D] Requirement of Infrastructure:
The major infrastructure requirements are
1. Building/Shop/Showroom/Store: 300 Sq ft.
2. Power 15 KW
3. Water 1000 Ltrs / Day
Model Project Profiles of Potential Industries for finance under PMEGP in Tripura. Prepared by SOFED, Agartala
This project will deliver/supply breakfast/lunch/dinner packets/boxes of both veg and non-veg category on
demand to officials and households of nearby areas.
This project is on starting a lunck packet/box delivery business mainly in urban and suburban areas
targeting persons/officials and households not having enough time, or cook/servant/arrangement for
cooking their meals. This project has been prepared, keeping in view the guidelines of Prime Minister's
Employment Generation Pogramme (PMEGP) under which an entrepreneur can sought financial assistance
to start up this project.
A box lunch delivery service is a welcome treat for workers who have neither the time to pack snacks before
they leave for the office, nor the budget to afford restaurant/hotel meals and take-out fare on a daily basis.
This service is also useful for households having all working members and doesnot get ample time to
prepare their food in day times. This service also appeals to employees who typically work at their desksduring lunch, or who don't have easy access to local eateries. This concept is not very new in many cities of
India but for Tripura it is a very new concept and has a very good scope.
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[Page-47]
E] Total Capital Requirement:
1. Fixed Capital: (Rs. In Lakh)i. Land: 0.00
ii. Building/Shop/Showroom/Store: (Rented/Own) 0.00
iii. Brand/Franchisee Fee: 0.00iv. Equipments/machines required: 1.00
a. Refregirators (2 nos) 25000
b. Mixer and grinder 15000
c. Utensils/Containers etc. 20000
d. Oven (Gas and electric) 20000
e. Other misc. tools/equipments etc. 20000
v. Misc. Fixed Assets: 1.00
(Furnitures, Fixtures, electrification etc.)
Total 2.00
vi. Preliminary & Pre-operative expenses: 0.40
Total amount of Fixed Capital required 2.40
2. Working Capital: (Rs. In Lakh)
i. Cost of items [2 Months] 1.00
ii. Staff/Delivery boys Salary [2 Months] 0.50
iii. Receivables [1 Months] 1.50
iv. Misc. reccuring expenses [1 Months] 0.10
Total amount of Working Capital required 3.10
Total Fund Required for the Project: [1 + 2] Rs 5.50 Lakh
3. Means of Finance: (Rs. In Lakh)
Urban Rural
i. Composite Loan Under PMEGP 3.85 3.30
ii. Subsidy entitled: 1.38 1.93
iii. Own contribution @ 5% of Project Cost: 0.28 0.28
Total 5.50 5.50
F] Annual Sales Forecasting:Monthly sales
Items/services Amount (Rs)
1 Breakfast/Lunch/Dinner Boxes/Packets 100000
2 Cash Sales to local/walking customers 15000
Total 115000
Total Projected annual sale = Rs 13.8 Lakh
Model Project Profiles of Potential Industries for finance under PMEGP in Tripura. Prepared by SOFED, Agartala
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[Page-50]
N] Projected Balance Sheet:
1 2 3 4 5
) :
i) Own Investment: 0.28 0.28 0.28 0.28 0.28
ii) Cumulated Net Profit: 2.63 5.64 8.93 12.34 15.85
Net Worth: 2.90 5.91 9.20 12.61 16.12
iii) Subsidy: 1.38 1.38 1.38 1.38 1.38
iv) Loan at Bank: 3.08 2.31 1.54 0.77 0.00
7.36 9.60 12.12 14.76 17.50
) :
Gross Block as Fixed Assets and Pre. Expenses: 2.40 2.20 2.00 1.80 1.60
Less depreciation on Fixed Assets: 0.20 0.20 0.20 0.20 0.20
i) Net Block: 2.20 2.00 1.80 1.60 1.40
ii) Working Capital: 3.10 3.10 3.10 3.10 3.10
iii) Cash balance: 2.06 4.50 7.22 10.06 13.00
7.36 9.60 12.12 14.76 17.50
: 5.500 5.50 5.00 4.60 4.30 4.10
: 47.81 60.12 71.58 79.32 85.70
[100XNet profit/Total Investment]
O] Calculation of Break-Even Point:
:
Rent, Interest & Depreciation % 1.301 0.600 0.500 0.400 0.300
Other Operating Expenses % 1.900 2.033 2.175 2.328 2.491
3.201 2.633 2.676 2.728 2.791
% 48.489 41.475 40.490 40.728 41.201
[100xFC/(FC+Net profit)]
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[Page-54]
L] Repayment Schedule:
: 5
:
1 2 3 4 5
Refundable loan at the beginning of the year: 7.00 5.60 4.20 2.80 1.40
Proposed Repayment during the year: 1.40 1.40 1.40 1.40 1.40
Refundable loan at the end of the year: 5.60 4.20 2.80 1.40 0.00
Total Debt-Service [Interest+Repayment]: 2.31 2.13 1.95 1.76 1.58
Fund Available for Debt-Service: 7.00 7.60 8.07 8.29 8.48
Debt-Service Coverage Ratio: 3.03 3.57 4.15 4.70 5.36
M] Projected Cash Flow Statement:
) : During The- 1 2 3 4 5
i) Own Investment: 0.500
ii) Loan from Bank: 7.000
iii) Increase in Subsidy: 2.500
iv) Profit Before Interest and taxes: 6.660 7.264 7.732 7.950 8.142v) Depreciation added back: 0.340 0.340 0.340 0.340 0.340
17.000 7.604 8.072 8.290 8.482
) :
i) Increase in Fixed Assets: 3.400
ii) Preliminary Expenses: 0.300
iii) Increase in Working Capital: 6.300
iv) Decrease in Loan: 1.400 1.400 1.400 1.400 1.400
v) Interest payable: 0.910 0.728 0.546 0.364 0.182
vi) Income Tax Payable: 0.450 0.610 0.740 0.820 0.900
12.760 2.738 2.686 2.584 2.482
: 4.240 9.106 14.492 20.198
/ : 4.240 4.866 5.386 5.706 6.000
: 4.240 9.106 14.492 20.198 26.199
Model Project Profiles of Potential Industries for finance under PMEGP in Tripura. Prepared by SOFED, Agartala
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[Page-55]
N] Projected Balance Sheet:
1 2 3 4 5
) :
i) Own Investment: 0.50 0.50 0.50 0.50 0.50
ii) Cumulated Net Profit: 5.30 11.23 17.67 24.44 31.50
Net Worth: 5.80 11.73 18.17 24.94 32.00
iii) Subsidy: 2.50 2.50 2.50 2.50 2.50
iv) Loan at Bank: 5.60 4.20 2.80 1.40 0.00
13.90 18.43 23.47 28.84 34.50
) :
Gross Block as Fixed Assets and Pre. Expenses: 3.70 3.36 3.02 2.68 2.34
Less depreciation on Fixed Assets: 0.34 0.34 0.34 0.34 0.34
i) Net Block: 3.36 3.02 2.68 2.34 2.00
ii) Working Capital: 6.30 6.30 6.30 6.30 6.30
iii) Cash balance: 4.24 9.11 14.49 20.20 26.20
13.90 18.43 23.47 28.84 34.50
: 10.000 10.00 9.09 8.36 7.82 7.45
: 53.00 65.19 77.09 86.56 94.75
[100XNet profit/Total Investment]
O] Calculation of Break-Even Point:
:
Rent, Interest & Depreciation % 1.850 1.068 0.886 0.704 0.522
Other Operating Expenses % 1.900 2.033 2.175 2.328 2.491
3.750 3.101 3.061 3.032 3.013
% 34.884 28.968 27.496 26.777 26.207
[100xFC/(FC+Net profit)]
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[Page - 56]
Prepared for the Directorate of Industries & Commerce, Government of Tripura
A] Introduction:
B] About the Product(s)/Service(s):
C] About the Market:
D] Requirement of Infrastructure:
The major infrastructure requirements are
1. Building/Shop/Showroom/Store: 1000 Sq ft.
2. Power 25 KW
3. Water 100 Ltrs / Day
Model Project Profiles of Potential Industries for finance under PMEGP in Tripura. Prepared by SOFED, Agartala
Wrought articles in furniture industry are becoming more popular. The articles like chairs, sofas, tables and
beds are made in quite attractive models with different designs on their arms and backs. Wooden furniture
after some period is worn out due to defects in wood quality and normal wear and tear. Due to elegant
appearance, durability and innovative designs, wrought iron furniture is becoming
popular in modern society. They are fast replacing the conventional wooden tables, chairs, sofas and
beds.. This project has been prepared, keeping in view the guidelines of Prime Minister's Employment
Generation Pogramme (PMEGP) under which an entrepreneur can sought financial assistance to start up
this project.
This project will deal in wrought furniture viz. bed, chair, table, stands, almirah, showcase, devaan, etc.
made of iron, steel, aluminium etc.
Wrought iron/aluminium/steel furniture is becoming commonplace in contemporary interior dcor, especially
at home, because of its elegant look that compliments contemporary designs and timelessness that adds
charm to living environment. With increase in the population and overall development that has taken place
in the state, the number of educational institutions, hospitals, commercial establishments and offices are
widely using chairs, tables, sofas and beds. This is creating good market potential in urban and semi-urban
areas. As already explained, due to certain specific advantages, wrought iron furniture is fast replacing
conventional wooden items. Apart from the domestic market, there is also export market for quality wrought
iron furniture.
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[Page-57]
E] Total Capital Requirement:
1. Fixed Capital: (Rs. In Lakh)i. Land: 0.00
ii. Building/Shop/Showroom/Store: (Rented/Own/Leased) 0.00
iii. Brand/Franchisee Fee: 0.00iv. Equipments/machines required: 0.20
v. Show/Misc. Fixed Assets: 2.00
(Furnitures, Fixtures, electrification etc.)
Total 2.20
vi. Preliminary & Pre-operative expenses: 0.30
Total amount of Fixed Capital required 2.50
2. Working Capital: (Rs. In Lakh)
i. Cost of items [2 Months] 5.00
ii. Staff Salary [2 Months] 0.70iii. Receivables [1 Months] 1.50
iv. Misc. reccuring expenses [1 Months] 0.30
Total amount of Working Capital required 7.50
Total Fund Required for the Project: [1 + 2] Rs 10.00 Lakh
3. Means of Finance: (Rs. In Lakh)
Urban Rural
i. Composite Loan Under PMEGP 7.00 6.00
ii. Subsidy entitled: 2.50 3.50
iii. Own contribution @ 5% of Project Cost: 0.50 0.50
Total 10.00 10.00
F] Annual Sales Forecasting:Expected Monthly sales
Items/services Amount (Rs)
1 Wrought Furnitures 350000
Total 350000
Total Projected annual sale = Rs 42 Lakh
Model Project Profiles of Potential Industries for finance under PMEGP in Tripura. Prepared by SOFED, Agartala
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G] Projected Profitability of the Project:
: Rate of Subsidy entitled 25 %
Annual Increase in Operating Expenses: 7 %
Rate of interest on loan: 13 %
Rate of depriciation on fixed assets: 10 %
: 1 2 3 4 5
% 100 108 115 120 125
Expected Sales: 42.00 45.36 48.30 50.40 52.50
Less Cost of Materials: 30.00 32.40 34.50 36.00 37.50
(12): 12.00 12.96 13.80 14.40 15.00
Less other operating expenses:
i) Rent for Shop: 1.20 1.28 1.37 1.47 1.57
ii) Salary for staff: 4.20 4.49 4.81 5.15 5.51iii) Electricity and maintainance: 0.30 0.32 0.34 0.37 0.39
iv) Office expenses (Stationary, Telephone etc.) 0.20 0.21 0.23 0.25 0.26
v) Advertising and Selling expenses: 0.20 0.21 0.23 0.25 0.26
vi) Insurance and other misc. expenses: 0.10 0.11 0.11 0.12 0.13
Total of Sl. 4. 6.20 6.63 7.10 7.60 8.13
Profit before Depriciation, Interest and Taxes(3-4): 5.80 6.33 6.70 6.80 6.87
Less Depriciation on Fixed Assets:
profit before interest and taxes (5-6): 5.58 6.11 6.48 6.58 6.65
Less Interest payable on loan: 0.91 0.73 0.55 0.36 0.18
Profit before taxes (7-8): 4.67 5.38 5.94 6.22 6.47
Income Tax