Professional Documents
Culture Documents
Description
Total Equity (10%)
Bank Loan (90% )
Markup to the Borrower (%age/annum)
Tenure of the Loan (Years)
Grace period (Year)
Capital Investment
Renovation Cost
Furniture & fixtures
Machinery & Equipment
Advance Rent and Gas Security Deposit (GSD)
Preliminary Expenses
Total Capital Cost
Initial Working Capital
Total Project Cost
ancing
Details
219,936
1,979,428
8%
8
1
Amount (Rs.)
233,000
181,250
933,500
505,000
25,000
1,877,750
321,615
2,199,365
Area (Sqft)
350
100
25
25
500
Sr No
Description
1
2
4
5
6
7
8
9
10
11
Total
No of units
2
1
1
1
1
1
1
1
1
2
Description
Dining Table Square
Chairs (Standard 14)
Kitchen Cutlery Set
Dining Cutlery
Hot Water Geyser Large
Lights / CFLs
Wall Lights (Large)/ Tube lights
Portable Emergency Light
Working tables/counter
Counter Chairs
Office Counter & Chair Set
Waiting chairs for Customers
Total
Quantity
Cost (RS)
10
40
2
60
1
15
6
4
1
2
1
4
3,500.00
1,500.00
2,500.00
150.00
20,000.00
250.00
750.00
2,500.00
15,000.00
1,500.00
10,000.00
1,500.00
Amount (RS)
35,000.00
60,000.00
5,000.00
9,000.00
20,000.00
3,750.00
4,500.00
10,000.00
15,000.00
3,000.00
10,000.00
6,000.00
181,250.00
Description
Owner Manager
Kitchen Supervisor
Cook
Servers
Dishwasher
Cleaner
Total Staff
No of Employees
1
1
3
3
1
1
10
Item Description
Chicken Broast (Qtr.)
Chicken Broast (Half)
Chicken Broast (Full)
Chicken Burger
Chicken Cheese Burger
Beef Burger
Beef Cheese Burger
Zinger Burger
Chicken Sandwich
Egg Sandwich
Beef Sandwich
Club Sandwich
Hot & Sour Soup (2 Servings)
Hot & Sour Soup (4 Servings)
Chicken Corn Soup (2 servings)
Chicken Corn Soup (4 Servings)
Plain Rice
Chicken Fried Rice
Vegetable Fried Rice
Egg Fried Rice
Beef Fried Rice
Beef Chili (w/o rice)
Chicken Chili (w/o rice)
French Fries (per plate)
Cole Slaw
Soft Drinks (Large)
Soft Drinks (Regular 250ml)
Total Sales Revenue
Desription
Utilities
Salaries
Raw Material
Rent
Total
Utilities
Monthly Charges (Rs.)
Description
Electricity
Gas
Water
Telephone
Total
35,000
22,000
3,000
3,000
63,000
Days
30
30
6
30
Charges (Rs.)
63,000
129,000
87,115
42,500
321,615
Year 1
Year 2
Year 3
Revenue
10,080,000.00
11,289,600.00
12,644,352.00
Net Sales
10,080,000.00
6,110,642.00
1,548,000.00
756,000.00
8,414,642.00
1,665,358.00
11,289,600.00
6,843,919.04
1,702,800.00
831,600.00
9,378,319.04
1,911,280.96
12,644,352.00
7,665,189.32
1,873,080.00
914,760.00
10,453,029.32
2,191,322.68
510,000.00
360,000.00
5,000.00
134,775.00
21,004.00
1,030,779.00
634,579.00
561,000.00
396,000.00
5,000.00
121,297.50
18,903.00
1,102,200.50
809,080.46
617,100.00
435,600.00
5,000.00
109,167.75
17,013.00
1,183,880.75
1,007,441.93
158,354.24
476,224.76
7,623.00
468,601.76
39,050.15
150,411.00
658,669.46
25,867.00
632,802.46
52,733.54
132,166.00
875,275.93
53,792.00
821,483.93
68,456.99
Year 4
Year 5
Year 6
14,161,674.24
15,861,075.15
17,764,404.17
14,161,674.24
8,585,012.04
2,060,388.00
1,006,236.00
11,651,636.04
2,510,038.20
15,861,075.15
9,615,213.49
2,266,426.80
1,106,859.60
12,988,499.89
2,872,575.26
678,810.00
479,160.00
5,000.00
98,250.98
15,312.00
1,276,532.98
1,233,505.22
746,691.00
527,076.00
5,000.00
88,425.88
13,781.00
1,380,973.88
1,491,601.38
112,408.00
1,121,097.22
90,665.00
1,030,432.22
85,869.35
91,009.00
1,400,592.38
132,589.00
1,268,003.38
105,666.95
Year 7
Year 8
Year 9
19,896,132.67
22,283,668.59
24,957,708.82
17,764,404.17
10,769,039.11
2,493,069.48
1,217,545.56
14,479,654.15
3,284,750.02
19,896,132.67
12,061,323.80
2,742,376.43
1,339,300.12
16,143,000.34
3,753,132.32
22,283,668.59
13,508,682.66
3,016,614.07
1,473,230.13
17,998,526.86
4,285,141.73
24,957,708.82
15,129,724.58
3,318,275.48
1,620,553.14
20,068,553.19
4,889,155.62
821,360.10
579,783.60
903,496.11
637,761.96
993,845.72
701,538.16
1,093,230.29
771,691.97
79,583.29
12,403.00
1,493,129.99
1,791,620.03
71,624.96
11,162.00
1,624,045.03
2,129,087.29
64,462.46
10,046.00
1,769,892.34
2,515,249.39
58,016.22
9,041.00
1,931,979.48
2,957,176.14
67,835.00
1,723,785.03
192,258.00
1,531,527.03
127,627.25
42,737.00
2,086,350.29
264,771.00
1,821,579.29
151,798.27
15,556.00
2,499,693.39
347,440.00
2,152,253.39
179,354.45
2,957,176.14
461,795.00
2,495,381.14
207,948.43
Year 10
27,952,633.88
27,952,633.88
16,945,291.52
3,650,103.03
1,782,608.45
22,378,003.00
5,574,630.87
1,202,553.32
848,861.17
52,214.60
8,137.00
2,111,766.09
3,462,864.78
3,462,864.78
588,218.00
2,874,646.78
239,553.90
Year 0
Year 1
468,601.76
134,775.00
5,000.00
10,454
597,922.96
Year 2
Year 3
632,802.46
121,297.50
5,000.00
11,708.26
747,391.70
821,483.93
109,167.75
5,000.00
13,113.25
922,538.43
219,811.00
238,055.00
219,811.00
238,055.00
527,580.70
832,421.96
1,360,002.66
684,483.43
1,360,002.66
2,044,486.09
1,979,428.00
219,936.00
2,199,364.00
233,000.00
181,250.00
933,500.00
505,000.00
25,000.00
87,115.00
1,964,865.00
234,499.00
234,499.00
597,922.96
234,499.00
832,421.96
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
1,030,432.22
98,250.98
5,000.00
14,686.84
1,118,996.36
1,268,003.38
88,425.88
5,000.00
16,449.26
1,344,980.00
1,531,527.03
79,583.29
1,821,579.29
71,624.96
2,152,253.39
64,462.46
2,495,381.14
58,016.22
18,423.17
1,592,687.15
20,633.95
1,872,570.30
23,110.02
2,193,605.83
25,883.22
2,527,514.13
257,814.00
279,212.00
302,386.00
327,484.00
354,665.00
257,814.00
279,212.00
302,386.00
327,484.00
354,665.00
861,182.36
2,044,486.09
2,905,668.45
1,065,768.00
2,905,668.45
3,971,436.46
1,290,301.15
3,971,436.46
5,261,737.61
1,545,086.30
5,261,737.61
6,806,823.91
1,838,940.83
6,806,823.91
8,645,764.74
2,527,514.13
8,645,764.74
11,173,278.88
Year 10
2,874,646.78
52,214.60
28,989.21
2,897,872.17
2,897,872.17
11,173,278.88
14,071,151.05
Particulars
Sales Increase
Increase in Cost of Raw Materials
Increase in Staff Salaries
Increase in Utilities (Electricity / Water / Gas
Increase in Rent
Increase in Office Expenses
Debt / Equity Ratio
Depreciation
o Plant Building
o Machinery & Equipment
o Office Furniture & Equipment
Machine Annual Maintenance Cost
Raw Material Inventory
Loan Period
Loan Grace Period
Loan Installments
Financial Charges (Loan Rate)
Tax Rate
Assumptions
12%
12%
10%
10%
10%
10%
90:10:00
10 % per annum (Diminishing Balance)
10 % per annum (Diminishing Balance)
10 % per annum (Diminishing Balance)
2.5% of Written Down Value
05 days
8 Years
1 Year
Monthly
8%
Tax rates for non-salaried individuals
Loan Data
Original Principal
1,979,428.00
Loan Term (Years)
7
Annual Interest Rate
8.00%
Payments per Year
12
Payment
$30,851.79
Month
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
Payment
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
Interest
13,196.19
13,078.48
12,959.99
12,840.72
12,720.64
12,599.77
12,478.09
12,355.60
12,232.29
12,108.16
11,983.20
11,857.41
11,730.78
11,603.31
11,474.98
11,345.81
11,215.77
11,084.86
10,953.08
10,820.42
10,686.88
10,552.45
10,417.12
10,280.89
10,143.75
10,005.69
9,866.72
9,726.82
9,585.98
9,444.21
9,301.50
9,157.83
9,013.20
8,867.61
8,721.05
Principal
17,655.60
17,773.31
17,891.80
18,011.07
18,131.15
18,252.02
18,373.70
18,496.19
18,619.50
18,743.63
18,868.59
18,994.38
19,121.01
19,248.48
19,376.81
19,505.98
19,636.02
19,766.93
19,898.71
20,031.37
20,164.91
20,299.34
20,434.67
20,570.90
20,708.04
20,846.10
20,985.07
21,124.97
21,265.80
21,407.58
21,550.29
21,693.96
21,838.59
21,984.18
22,130.74
Balance
1,979,428.00
1,961,772.40
1,943,999.09
1,926,107.30
1,908,096.22
1,889,965.07
1,871,713.05
1,853,339.35
1,834,843.16
1,816,223.65
1,797,480.02
1,778,611.43
1,759,617.05
1,740,496.05
1,721,247.56
1,701,870.76
1,682,364.77
1,662,728.75
1,642,961.82
1,623,063.11
1,603,031.74
1,582,866.83
1,562,567.49
1,542,132.81
1,521,561.91
1,500,853.87
1,480,007.77
1,459,022.70
1,437,897.73
1,416,631.92
1,395,224.35
1,373,674.05
1,351,980.09
1,330,141.50
1,308,157.32
1,286,026.58
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
8,573.51
8,424.99
8,275.48
8,124.97
7,973.46
7,820.93
7,667.39
7,512.83
7,357.24
7,200.61
7,042.93
6,884.21
6,724.42
6,563.58
6,401.65
6,238.65
6,074.57
5,909.38
5,743.10
5,575.71
5,407.20
5,237.57
5,066.81
4,894.91
4,721.87
4,547.67
4,372.30
4,195.77
4,018.07
3,839.18
3,659.09
3,477.81
3,295.31
3,111.60
2,926.67
2,740.50
2,553.09
2,364.44
2,174.52
1,983.34
1,790.88
1,597.14
1,402.11
1,205.78
22,278.28
22,426.80
22,576.31
22,726.82
22,878.33
23,030.86
23,184.39
23,338.96
23,494.55
23,651.18
23,808.86
23,967.58
24,127.36
24,288.21
24,450.14
24,613.14
24,777.22
24,942.41
25,108.69
25,276.08
25,444.59
25,614.22
25,784.98
25,956.88
26,129.92
26,304.12
26,479.48
26,656.01
26,833.72
27,012.61
27,192.70
27,373.98
27,556.47
27,740.18
27,925.12
28,111.29
28,298.69
28,487.35
28,677.27
28,868.45
29,060.91
29,254.65
29,449.68
29,646.01
1,263,748.30
1,241,321.50
1,218,745.19
1,196,018.37
1,173,140.04
1,150,109.18
1,126,924.79
1,103,585.83
1,080,091.28
1,056,440.10
1,032,631.24
1,008,663.66
984,536.30
960,248.08
935,797.95
911,184.81
886,407.59
861,465.18
836,356.49
811,080.41
785,635.83
760,021.61
734,236.63
708,279.75
682,149.83
655,845.71
629,366.22
602,710.21
575,876.49
548,863.87
521,671.18
494,297.20
466,740.72
439,000.54
411,075.42
382,964.13
354,665.44
326,178.08
297,500.82
268,632.36
239,571.46
210,316.81
180,867.13
151,221.13
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
30,851.79
30,851.79
30,851.79
30,851.79
30,851.79
-
1,008.14
809.18
608.90
407.28
204.32
-
29,843.65
30,042.61
30,242.89
30,444.51
30,647.47
-
121,377.48
91,334.87
61,091.98
30,647.47
0.00
-
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
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158
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160
161
162
163
164
165
166
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168
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171
172
173
174
175
176
177
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179
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181
182
183
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239
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244
245
246
247
248
249
250
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253
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284
285
286
287
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297
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301
302
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304
305
306
307
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311
312
313
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315
316
317
318
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320
321
322
323
324
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329
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332
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360