1 Name of the Entrepreneur PAYAL BEAUTY PARLOUR AND COSMATICS

PROP:PAYAL SEN

2 Constitution (legal Status) : Individual

3 Father's/Spouce's Name W/o Narain Modak

4 Unit Address : GOVINDPUR MAIN ROAD

GOVINDPUR
Taluk/Block: GOVINDPUR
District : GOVINDPUR
Pin: 828109 State: JHARKHAND
E-Mail : 0
Mobile 9382431435
5 Product and By Product

6 Cost of Project : Rs. 10,59,405

Name of the project / business activity proposed :
BEAUTY PARLOUR AND COSMATICS
7 Means of Finance
Term Loan Rs. 9,53,465.00
Own Capital Rs. 105941.00

8 Debt Service :
Coverage Ratio

9 Pay Back Period : 5 Years

10 : 0 Months
 Project
Implementation
Period

11 Break Even Point :

12 Employment : 5

Power
13 Requirement : 1 K.V

Major Raw
14 materials : Cosmetics for Use, Cosmetics for Sell, Other requirements

15 Estimated Annual : Rs. 3100000.00

Sales Turnover
DETAILED PROJECT REPORT
1 INTRODUCTION :

Beauty and Wellness demands every where,Dhanbad is a big city and woman of this city aware for her wellness and beauty consious.The demand
of this type of Stand Up Unit is required in this field.As the Govindpur is the well populated area and people have well market expences capacity
so the unit is in good location.Before luncing this unit a servey conducted and find that there is no any unit of this kind.The market is supported
by electricity,parking and also attached with surrounding towns like Giridih and Deoghar.The unit is vioble in market and the earning capacity of
unit is good in potential.
2 ABOUT THE PROMOTER :

The promotor is well educated and experienced woman,having working experience in this field.The family of promotor is also support to stand
this unit under Stand Up India Scheme.The reputation is very good and there is no any Liability from any side in the market not she taken any
loan from any Bank.Presently She work hard for setting up the proposed unit .The proposed unit will also provide the employment of local woman.
.

3 COST OF PROJECT
A. Fixed Capital Investment
a. Land : 0 Own

b. Workshed Area Sq.ft Rate in Rs. Amt. In Rs.

Shop 800 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
Total 0.00
 C. Instruments and Articles Qty. Rate Amount in Rs.
Air Condition 2 35000.00 70000.00
Chair for Parlour 4 25000.00 100000.00
Parlour Set Up Fixture 1 60000.00 60000.00
Basin and Water supply 2 10000.00 20000.00
Glass 2 5000.00 10000.00
Designer Box 5 10000.00 50000.00
Fitting and Fixture 1 90000.00 90000.00
Electrical Fitting 1 50000.00 50000.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
Total 450000.00
d. Preliminary & Pre-operative Cost : Rs. 0.00

e. Furniture & Fixtures : Rs. 0.00

f. Contingency/Others/Miscellaneous : Rs. 0.00

Total Capital Expenditure : Rs. 450000.00

Working Capital : Rs. 609405.00

Total Cost Project : Rs. 1059405.00

3.1 Means of Financing :

Own Contribution 10% Rs. 105941.00

Bank Finance : 90%

Term Loan Rs. 405000.00
Working Capital Rs. 548465.00
 Total Rs. 953465.00

3.2 STATEMENT SHOWING THE REPAYMENT OF TERM LOAN & WORKING CAPITAL :
TERM LOAN

Interest @
Year Opening Balance Installment Closing Balance
10.50%
1st 405000 0 405000 42525
2nd 405000 81000 324000 42525
3rd 324000 81000 243000 34020
4th 243000 81000 162000 25515
5th 162000 81000 81000 17010
6th 81000 81000 0 8505
7th 0 0 0 0
8th 0 0 0 0

WORKING CAPITAL

Interest @
Year Opening Balance Installment Closing Balance
10.50%
1st 548465 0 548465 57589
2nd 548465 109693 438772 57589
3rd 438772 109693 329079 46071
4th 329079 109693 219386 34553
5th 219386 109693 109693 23036
6th 109693 109693 0 11518
7th 0 0 0 0
8th 0 0 0 0

3.3
 STATEMENT SHOWING THE DEPRECIATION ON FIXED ASSETS:
WORKSHED @ 10.00%
Particulars 1st Year 2nd Year 3rd Year 4th Year 5th Year
Opening Balance 0 0 0 0 0
Depreciation 0 0 0 0 0
Closing Balance 0 0 0 0 0
MACHINERY @ 15.00%
Opening Balance 450000 382500 325125 276356 234903
Depreciation 67500 57375 48769 41453 35235
Closing Balance 382500 325125 276356 234903 199667
TOTAL DEPRECIATION
Workshed 0 0 0 0 0
Machinery 67500 57375 48769 41453 35235
Total 67500 57375 48769 41453 35235

4 Schedule of Sales Realization :

4.1 Details of Sales
Rate/ No. of Amount in Rs.
Particulars of Product
Pair/Unit Pair/Unit
0
Parlour works 300.00 3000 900000.00
Cosmatic Sell 200.00 10000 2000000.00
Other services 1000.00 200 200000.00
0 0.00 0 0.00
0 0.00 0 0.00
0 0.00 0 0.00
0 0.00 0 0.00

Total 3100000.00

4.2
 Capacity Utilization of Sales
Particulars 1st Year 2nd Year 3rd Year 4th Year 5th Year

Capacity Utilization 70% 80% 90% 90% 90%

Sales / Receipts 2170000 2480000 2790000 2790000 2790000

5 Raw materials :
Particulars Unit Rate/unit Reqd.Unit Amount in Rs.
cosmetics for Use 0 200.00 500 100000.00
cosmetic’s for Sell 0 150.00 10000 1500000.00
Other requirements 0 80.00 1200 96000.00
0 0 0.00 0 0.00
0 0 0.00 0 0.00
0 0 0.00 0 0.00
0 0 0.00 0 0.00
0 0 0.00 0 0.00
0 0 0.00 0 0.00
Total 1696000.00
5.1 Wages :
No. of Wages Amount in Rs.
Particulars
Worker Per Month (Per Annum)
Workers 5 5000.00 300000.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
Total 5 300000.00

5.2 Repairs and Maintenance : Rs. 500.00

5.3 Power and Fuel : Rs. 1200.00

5.4 Other Overhead Expenses : Rs. 400.00

6 Administrative Expenses :
6.1 Salary
0 0 0.00 0.00
0 0 0.00 0.00
0 0 0.00 0.00
0 0.00 0.00
0 0.00 0.00
Total 0 0.00

6.2 Telephone Expenses 1200.00

6.4 Stationery & Postage 300.00

6.5 Advertisement & Publicity 2000.00

6.6 Workshed Rent 12000.00

6.7 Other Miscellaneous Expenses 800.00

Total 16300.00
7 Capacity Utilization of Manufacturing & Administrative Expenses :
Particulars 1st Year 2nd Year 3rd Year 4th Year 5th Year
Capacity Utilization 70% 80% 90% 90% 90%
Manufacturing Expenses
Rawmaterials 1187200 1356800 1526400 1526400 1526400
Wages 210000 240000 270000 270000 270000
Repairs & Maintenance 350 400 450 450 450
Power & Fuel 840 960 1080 1080 1080
 Other Overhead Expenses 280 320 360 360 360
Administrative Expenses
Salary 0 0 0 0 0
Postage Telephone Expenses 840 960 1080 1080 1080
Stationery & Postage 210 240 270 270 270
Advertisement & Publicity 1400 1600 1800 1800 1800
Workshed Rent 12000 12000 12000 12000 12000
Other Miscellaneous Expenses 560 640 720 720 720
Total: 1413680 1613920 1814160 1814160 1814160
8 Assessment of Working Capital :
Particulars Amount in Rs.
Sale 3100000.00

Manufacturing Expenses
Raw Material 1696000.00
Wages 300000.00
Repair & Maintenance 500.00
Power & Fuel 1200.00
Other Overhead Expenses 400.00

Production Cost 1998100.00

Administrative Cost 16300.00
Manufacturing Cost 2014400.00
Working Capital Estimate :
Element of Working Capital No of Days Basis Amount in Rs.
0 0 Material Cost 0.00

Stock in process 30 Production Cost 199810.00

Finished goods 31 Manufacturing Cost 208155.00

Receivable by 30 Manufacturing Cost 201440.00

 Total Working Capital Requirement Per Cycle 609405.00
Financial Analysis
9
9.1 Projected Profit & Loss Account :
Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
Sales / Receipts 2170000 2480000 2790000 2790000
2170000 2480000 2790000 2790000
Manufacturing Expenses
Rawmaterials 1187200 1356800 1526400 1526400
Wages 210000 240000 270000 270000
Repairs & Maintenance 350 400 450 450
Power & Fuel 840 960 1080 1080
Other Overhead Expenses 280 320 360 360
Depreciation 67500 57375 48769 41453
Production Cost 1466170 1655855 1847059 1839743
Administrative Expenses
Salary 0 0 0 0
Postage Telephone Expenses 840 960 1080 1080
Stationery & Postage 210 240 270 270
Advertisement & Publicity 1400 1600 1800 1800
Workshed Rent 12000 12000 12000 12000
Other Miscellaneous Expenses 560 640 720 720
Administrative Cost 15010 15440 15870 15870
Interest on Bank credit @ 10.5%
Term Loan 42525 42525 34020 25515
Working Capital Loan 57589 57589 46071 34553
Cost of Sale 1581294 1771409 1943020 1915682
Net Profit Before Tax 588706 708591 846980 874318
Less Tax 0.00 0.00 0.00 0.00
Net Profit 588706 708591 846980 874318
9.2 CALCULATION OF DEBT SERVICE CREDIT RATIO (D.S.C.R) :
Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
Net Profit 588706 708591 846980 874318
Add :
Depreciation 67500 57375 48769 41453
TOTAL - A 656206 765966 895749 915772
Payments :
On Term Loan :
Interest 42525 42525 34020 25515
Installment 0 81000 81000 81000
On Working Capital
Interest 57589 57589 46071 34553
TOTAL - B 100114 181114 161091 141068
D.S.C.R = A/B
6.55 4.23 5.56 6.49
Average D.S.C.R

9.3 PROJECTED BALANCE SHEET :

Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
LIABILITIES :
Promoters Capital 105941 105941 105941 105941
Profit 588706 708591 846980 874318
Term Loan 405000 405000 324000 243000
Working Capital Loan 548465 548465 438772 329079
Current Liabilities 0 0 0 0
Sundry Creditors 0 0 0 0
1648112 1767997 1715693 1552338
ASSETS :
Gross Fixed Assets : 450000 382500 325125 276356
Less : Depreciation 67500 57375 48769 41453
Net Fixed Assets 382500 325125 276356 234903
Preliminary & Pre-Op. Expenses 0 0 0 0
Current Assets 548465 548465 438772 329079
 Cash in Bank/Hand 717147 894407 1000565 988356
Total 1648112 1767997 1715693 1552338

9.4 CASH FLOW STATEMENT :

Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
Net Profit 588706 708591 846980 874318
Add : Depreciation 67500 57375 48769 41453
Term Loan 405000 405000 324000 243000
Working Capital Loan 548465 548465 438772 329079
Promoters Capital 105941 0 0 0
Total 1715612 1719431 1658521 1487851

Total Fixed Capital Invested 450000

Repayment of Term Loan 0 81000 81000 81000

Repayment of WC Loan 0 109693 109693 109693
Current Assets 548465 548465 438772 329079
Total 548465 739158 629465 519772

Opening Balance 0 1167147 2147420 3176476

Surplus 1167147 980273 1029056 968079
Closing Balance 1167147 2147420 3176476 4144555

9.5 BREAK EVEN POINT AND RATIO ANALYSIS :

Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
Fixed Cost 125035 115340 98659 82838
Variable Cost 1523759 1713444 1893130 1874297
Total Cost 1648794 1828784 1991789 1957135

Sales 2170000 2480000 2790000 2790000

Contribution (Sales-VC) 646241 766556 896870 915703

B.E.P in % 19.35% 15.05% 11.00% 9.05%

Break Even Sales in Rs. 419852 373154 306909 252395

Break Even Units 1400 1244 1023 841

Current Ratio 5.48 1.89 1.62 1.31

Net Profit Ratio 27.13% 28.57% 30.36% 31.34%

This Project Report has been prepared based on the data furnished by the entrepreneur whose details are given in the application.
Place :
Date:
Prepared by : PAYEL SEN
Full Name : PAYAL BEAUTY PARLOUR AND
COSMATICS

Signature of the Beneficiary