My Fesibality Financial on Self Gurentee

8/13/2019 My Fesibality Financial on Self Gurentee

1/21

Description Details RS

Internal Rate of Return (IRR) 57%

Payback Period (Year) 2.35Net Present Value (NPV) 8,070,195

Project Economies


2/21

Description Details RS

Total Equity (10%) Rs. 200,000Bank Loan (90%.) Rs.1,945,000

Markup to the Borrower (%age/annum) 8%

Tenure of the Loan (Years) 8

Grace Period (Year) 1

Project Financing


3/21

Capital Investment Amount (Rs.)

Vehicles

Nissan CDA 311 950000Nissan CDA 411 1,000,000

Total 1,950,000

Working Capital

Machinery & Equipment 200,000

Total 200,000

Total Project Cost 2,150,000

Capital Investment for the Project


4/21

Sr. No Vehical Model

1 Nissan CDA 311

2 Nissan CDA 411

3 One extra excel For Nissan CDA 311

Total

Machinery and Raw Materi


5/21

Unit measur body per feet Expens Total expens

48 20000 950,000

50 20000 1,000,000

1 1 200,000

2,150,000

l


6/21

Description Salry per mont

Owner 1 20,000 20,000Driving Instructors 3 15,000 45,000

Total Salaries

Human Resource Requirement

No. of Salary per

Employee


7/21

Salary per Anum

240000540000

780000


8/21

Revenue Generation

Description No. Of Trip Rent Per month

Trip 1 1 190000 190000Trip 2 1 190000 190000

Annual Revenue


9/21

1 year revenue

22800002280000

4560000


10/21

Income Statement

Year 1 Year 2

Revenue 4,583,260 5,229,031

Cost of sales

Cost of goods sold (Fuel Cost) 1,659,998 1,756,598

Operation costs 1 (direct labor) 540,000 592,575

Operating costs 2 (machinery maintenance) 162,000 196,020

Total 2,361,998 2,545,193

Gross Profit 2,221,262 2,683,838

General administration & selling expenses

Administration expense 240,000 263,367

Communications expense (phone, fax, mail, inter 43,200 52,272

Promotional expense 108,000 130,680

Depreciation expense 350,000 350,000

Subtotal 741,200 796,319

Operating Income 1,480,062 1,887,519

Earnings Before Interest & Taxes 1,480,062 1,887,519

Earnings Before Interest & Taxes 446,802 662,088

Interest expense on long term debt (Project Loan) 164,459 123,099

Subtotal 164,459 123,099

Earnings Before Tax 1,315,603 1,764,420

Tax 0 13,899

NET PROFIT/(LOSS) AFTER TAX 1,315,603 1,750,521

Income Stat


11/21

Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10

5,390,600 5,807,000 6,243,200 6,812,304 7,308,600 7,860,000 8,234,000 8,900,100

1,767,918 1,795,935 1,892,877 1,811,248 1,853,864 1,934,251 1,977,676 1,978,543

650,269 713,580 783,055 859,295 942,957 1,034,765 1,135,511 1,246,066

235,224 280,309 332,058 391,354 459,189 505,107 555,618 611,180

2,653,411 2,789,824 3,007,990 3,061,897 3,256,010 3,474,123 3,668,805 3,835,789

2,737,189 3,017,176 3,235,210 3,750,407 4,052,590 4,385,877 4,565,195 5,064,311

289,008 317,147 348,025 381,909 419,092 459,895 504,671 553,807

62,726 74,749 88,549 104,361 122,450 134,695 148,165 162,981

106,816 186,872 221,372 260,903 306,126 336,738 370,412 407,453

350,000 350,000 350,000 350,000 350,000 350,000 350,000 350,000

808,550 928,768 1,007,946 1,097,173 1,197,668 1,281,328 1,373,248 1,474,241

1,928,639 2,088,408 2,227,264 2,653,234 2,854,922 3,104,549 3,191,947 3,590,070

1,928,639 2,088,408 2,227,264 2,653,234 2,854,922 3,104,549 3,191,947 3,590,070

914,358 1,208,856 1,551,503 1,948,983 2,408,837 2,669,315 2,956,190 3,272,137

108,167 91,997 74,484 55,517 34,977 12,731

108,167 91,997 74,484 55,517 34,977 12,731

1,820,472 1,996,411 2,152,780 2,597,717 2,819,945 3,091,818 3,191,947 3,590,070

43,429 90,029 144,053 226,193 322,272 386,646 461,547 540,534

1,777,043 1,906,382 2,008,727 2,371,524 2,497,673 2,705,172 2,730,400 3,049,536

ment


12/21

Balance sheet

Year 0

Asset

Current assets

Cash & Bank 200,000

Total 200000

Fixed assets

Machinery & equipment 1,945,000

Total Fixed Assets 1,945,000

Intangible assets

Pre-operation costs 100,909

Total Intangible Assets 100,909

TOTAL ASSETS 2,145,000

Liabilities & Shareholders' Equity

Liabilities & Shareholders' Equity

Short term debt 0

Total Current Liabilities 0

Other liabilities

Deferred tax 0

Long term debt (Debt facility : Bank 1) 1,965,000

Long term debt (Debt facility : Bank 2) 0

Total Long Term Liabilities 1,965,000

Shareholders' equity

Paid-up capital 180,000

Retained earnings

Total Equity 180,000

TOTAL CAPITAL AND LIABILITIES 2,145,000

0


13/21


14/21

Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9

1,675,603 1,191,435 1,962,797 3,028,657 4,437,164 6,243,151 8,508,993 11,035,311 14,151,501

1,675,603 1,191,435 1,962,797 3,028,657 4,437,164 6,243,151 8,508,993 11,035,311 14,151,501

1,640,000 1,280,000 1,120,000 960,000 800,000 640,000 480,000 320,000 160,000

1,640,000 1,280,000 1,120,000 960,000 800,000 640,000 480,000 320,000 160,000

90,818 80,727 70,636 60,545 50,454 40,364 30,273 20,182 10,091

90,818 80,727 70,636 60,545 50,454 40,364 30,273 20,182 10,091

3,315,603 2,471,435 3,082,797 3,988,657 5,237,164 6,883,151 8,988,993 11,355,311 14,311,501

0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0

13,899 57,327 147,356 291,409 517,602 839,874 1,226,519 1,688,067

1,820,000 1,440,103 1,245,274 1,034,275 805,762 558,284 290,265 - -

0 0 0 0 0 0 0 0 0

1,820,000 1,454,002 1,302,601 1,181,631 1,097,171 1,075,886 1,130,139 1,226,519 1,688,067

180,000 180,000 180,000 180,000 180,000 180,000 180,000 180,000 180,000

1,315,603 837,433 1,600,196 2,627,026 3,959,993 5,627,265 7,678,854 9,948,792 12,443,434

1,495,603 1,017,433 1,780,196 2,807,026 4,139,993 5,807,265 7,858,854 10,128,792 12,623,434

3,315,603 2,471,435 3,082,797 3,988,657 5,237,164 6,883,151 8,988,993 11,355,311 14,311,501

0 0 0 0 0 0 0 0 0

Balance Sheet


15/21

1,315,603

0 1003261


16/21

Year 10

17,583,638

17,583,638

-

0

0

0

17,583,638

0

0

2,228,601

-

0

2,228,601

180,000

15,175,037

15,355,037

17,583,638

0


17/21

Statement of Cash Flow

Year 0

Operating activities

Net profit

Add: depreciation expense

Deferred income tax

Cash provided by operations

Financing activities

Debt facility : Bank 1 - principal repayment 0

Additions to Debt facility : Bank 1 1,945,000

Issuance of shares 180,000

Cash provided by / (used for) financing activities 2,125,000

Investing activities

Capital expenditure -1,945,000

Acquisitions

Cash (used for) / provided by investing activities -1,945,000

NET CASH 180,000

St


18/21

Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9

1315603 1750521 1777043 1906382 2008727 2371524 2497673 2705172 2730400

350,000 350,000 350,000 350,000 350,000 350,000 350,000 350,000 350,000

- 13,899 43,429 90,029 144,053 226,193 322,272 386,646 461,547

1,665,603 2,114,420 2,170,472 2,346,411 2,502,780 2,947,717 3,169,945 3,441,818 3,541,947

0 -179,897 -194,829 -210,999 -228,512 -247,479 -268,019 -290,265 0

0 0 0 0 0 0 0 0 0

0 -179,897 -194,829 -210,999 -228,512 -247,479 -268,019 -290,265 0

0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0

1,665,603 1,934,523 1,975,643 2,135,412 2,274,268 2,700,238 2,901,926 3,151,553 3,541,947

tement of Cash Flow


19/21

Year 10

3049536

350,000

540,534

3,940,070

0

0

0

0

0

3,940,070


20/21

Milk Sale Price (cow) Rs.

Milk Sale Price (buffalo) Rs.

Capacity Utilization

Cow Ratio in the Herd

Purchase Price of a Cow (Rs.)

Purchase Price of a Buffalo (Rs.)

Sale Price of a Low Yielder cow (Rs.)

Sale Price of a Low Yielder buffalo (Rs.)

Sale Price of one year Male Calf (Rs.)

Milk Yield per Cow/day (liters)

Milk Yield per Buffalo/day (liters)

KEY ASSUMPTI


21/21

60

60

100

0.5

130,000

120,000

50,000

50,000

50,000

12

8

NS

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My Fesibality Financial on Self Gurentee