Project Financing

Description Details
Total Equity (10%) Rs. 219,936
Bank Loan (90% ) 1,979,428
Markup to the Borrower (%age/annum) 8%
Tenure of the Loan (Years) 8
Grace period (Year) 1
Space Requirement (in ft.) Area (Sqft)
Kitchen and preparation 350
Store 100
Front desk /reception 25
Waiting area 25
Total Area 500
Cost of renovation Amount Rs.
175,000
30,000
20,500
7,500
233,000
Sr No Description
1 Freezers (12 cf.)
2 Broast Machine
4 Deep Well Fryer
5 Hot Plate
6 Bin Marry Soup Container
7 Potato Cutter
8 Peeler
9 Microwave
10 Generator 1.5 kva
11 Keg rack and others
Total
No of units Cost per unit Rs.
2 40,000.00
1 615,000.00
1 40,000.00
1 33,000.00
1 50,000.00
1 3,500.00
1 7,000.00
1 10,000.00
1 75,000.00
2 10,000.00
st per unit Rs. Total cost Rs.
40,000.00 80,000.00
615,000.00 615,000.00
40,000.00 40,000.00
33,000.00 33,000.00
50,000.00 50,000.00
3,500.00 3,500.00
7,000.00 7,000.00
10,000.00 10,000.00
75,000.00 75,000.00
10,000.00 20,000.00
933,500.00
Description Quantity Cost (RS)
Dining Table – Square 10 3,500.00
Chairs (Standard 14”) 40 1,500.00
Kitchen Cutlery Set 2 2,500.00
Dining Cutlery 60 150.00
Hot Water Geyser Large 1 20,000.00
Lights / CFLs 15 250.00
Wall Lights (Large)/ Tube lights 6 750.00
Portable Emergency Light 4 2,500.00
Working tables/counter 1 15,000.00
Counter Chairs 2 1,500.00
Office Counter & Chair Set 1 10,000.00
Waiting chairs for Customers 4 1,500.00
Total
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 No of Employees
Owner Manager 1
Kitchen Supervisor 1
Cook 3
Servers 3
Dishwasher 1
Cleaner 1
Total Staff 10
Salary Per Month (RS) Total Monthly Salary (RS)
28,000.00 28,000.00
15,000.00 15,000.00
12,000.00 36,000.00
10,000.00 30,000.00
10,000.00 10,000.00
10,000.00 10,000.00
129,000.00
Item Description Sales Price (Rs/Unit)
Chicken Broast (Qtr.) 145.00
Chicken Broast (Half) 290.00
Chicken Broast (Full) 550.00
Chicken Burger 120.00
Chicken Cheese Burger 140.00
Beef Burger 100.00
Beef Cheese Burger 120.00
Zinger Burger 140.00
Chicken Sandwich 120.00
Egg Sandwich 100.00
Beef Sandwich 110.00
Club Sandwich 140.00
Hot & Sour Soup (2 Servings) 150.00
Hot & Sour Soup (4 Servings) 280.00
Chicken Corn Soup (2 servings) 150.00
Chicken Corn Soup (4 Servings) 280.00
Plain Rice 100.00
Chicken Fried Rice 160.00
Vegetable Fried Rice 110.00
Egg Fried Rice 130.00
Beef Fried Rice 150.00
Beef Chili (w/o rice) 230.00
Chicken Chili (w/o rice) 250.00
French Fries (per plate) 50.00
Cole Slaw 25.00
Soft Drinks (Large) 80.00
Soft Drinks (Regular 250ml) 20.00
Total Sales Revenue
First Year Sales (No) First Year Sales Revenue (Rs)
4,320.00 626,400.00
2,880.00 835,200.00
1,440.00 792,000.00
4,320.00 518,400.00
3,600.00 504,000.00
3,600.00 360,000.00
3,600.00 432,000.00
4,320.00 604,800.00
3,600.00 432,000.00
1,440.00 144,000.00
720.00 79,200.00
3,600.00 504,000.00
1,440.00 216,000.00
720.00 201,600.00
1,440.00 216,000.00
720.00 201,600.00
720.00 72,000.00
2,880.00 460,800.00
1,080.00 118,800.00
720.00 93,600.00
720.00 108,000.00
1,440.00 331,200.00
1,800.00 450,000.00
1,440.00 72,000.00
1,440.00 36,000.00
2,160.00 172,800.00
74,880.00 1,497,600.00
10,080,000.00
 Utilities
Description
Electricity
Gas
Water
Telephone
Total

Desription Days
Utilities 30
Salaries 30
Raw Material 6
Rent 30
Total
Utilities
Monthly Charges (Rs.)
35,000
22,000
3,000
3,000
63,000

Charges (Rs.)
63,000
129,000
87,115
42,500
321,615
Projected Income Statement ( Rs) 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 11,289,600.00 12,644,352.00

Raw Material Cost 6,110,642.00 6,843,919.04 7,665,189.32
Labour & Salaries 1,548,000.00 1,702,800.00 1,873,080.00
Utilities 756,000.00 831,600.00 914,760.00
Cost Of Sales 8,414,642.00 9,378,319.04 10,453,029.32
Gross Profit 1,665,358.00 1,911,280.96 2,191,322.68
General Administrative and Selling Expenses
Rent Expenses 510,000.00 561,000.00 617,100.00
Office & Miscellaneous Expenses 360,000.00 396,000.00 435,600.00
Amortization Expenses 5,000.00 5,000.00 5,000.00
Depreciation Expense 134,775.00 121,297.50 109,167.75
Maintenance Expense 21,004.00 18,903.00 17,013.00
Subtotal 1,030,779.00 1,102,200.50 1,183,880.75
Operating Income 634,579.00 809,080.46 1,007,441.93

Financial Charges (8% per annum) 158,354 150,411.00 132,166.00

EBIT 476,224.76 658,669.46 875,275.93
Tax 7,623.00 25,867.00 53,792.00
Net Profit 468,601.76 632,802.46 821,483.93
Monthly Profit After Tax 39,050.15 52,733.54 68,456.99
 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9

14,161,674.24 15,861,075.15 17,764,404.17 19,896,132.67 22,283,668.59 24,957,708.82

14,161,674.24 15,861,075.15 17,764,404.17 19,896,132.67 22,283,668.59 24,957,708.82

8,585,012.04 9,615,213.49 10,769,039.11 12,061,323.80 13,508,682.66 15,129,724.58
2,060,388.00 2,266,426.80 2,493,069.48 2,742,376.43 3,016,614.07 3,318,275.48
1,006,236.00 1,106,859.60 1,217,545.56 1,339,300.12 1,473,230.13 1,620,553.14
11,651,636.04 12,988,499.89 14,479,654.15 16,143,000.34 17,998,526.86 20,068,553.19
2,510,038.20 2,872,575.26 3,284,750.02 3,753,132.32 4,285,141.73 4,889,155.62

678,810.00 746,691.00 821,360.10 903,496.11 993,845.72 1,093,230.29

479,160.00 527,076.00 579,783.60 637,761.96 701,538.16 771,691.97
5,000.00 5,000.00
98,250.98 88,425.88 79,583.29 71,624.96 64,462.46 58,016.22
15,312.00 13,781.00 12,403.00 11,162.00 10,046.00 9,041.00
1,276,532.98 1,380,973.88 1,493,129.99 1,624,045.03 1,769,892.34 1,931,979.48
1,233,505.22 1,491,601.38 1,791,620.03 2,129,087.29 2,515,249.39 2,957,176.14

112,408.00 91,009.00 67,835.00 42,737.00 15,556.00

1,121,097.22 1,400,592.38 1,723,785.03 2,086,350.29 2,499,693.39 2,957,176.14
90,665.00 132,589.00 192,258.00 264,771.00 347,440.00 461,795.00
1,030,432.22 1,268,003.38 1,531,527.03 1,821,579.29 2,152,253.39 2,495,381.14
85,869.35 105,666.95 127,627.25 151,798.27 179,354.45 207,948.43
 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
 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