PROJECT REPORT

SHRI RAJARAM EYE CARE AND OPTICAL CENTRE

(PROPRIETOR: MR. BRAJESH KUMAR)
ON SETTING UP OF EYE CARE & OPTICAL CENTRE
AT CHANDAUSI ROAD, BABRALA

BLOCK / TEHSIL: GUNNAUR

DISTRICT- SAMBHAL

For BANK LOAN

SUBMITTED BY: Mr. BRAJESH YADAV
78, GUNNAUR, HIRAPUR
DISTT. SAMBHAL (U.P.)

PREPARED BY:
RAHUL U SHARMA & CO.
CHARTERED ACCOUNTANTS
43/11, LEKHPAL COLONY, BABRALA
DISTT. SAMBHAL UTTAR PRADESH-243751
+91-9810168279
 PROJECT AT A GLANCE

Name of Unit : Shri Rajaram Eye Care & Optical Centre

Type of Project : Eye Care & Optical Centre
Constitution : Proprietorship
Name of the Proprietor : Mr. Brajesh Yadav
Father’s Name : Late Shri Raja Ram
Address : 78, Gunnaur, Hirapur
Tehsil - Gunnaur
Distt. Sambhal- 243751 (U.P.)
Location of Unit : Chandausi Road
Babrala, Tehsil - Gunnaur
Distt. Sambhal- 243751 (U.P.)
Category of Unit : Small Scale Unit
Beneficiary Category : OBC
Government Scheme : (Mudra Loan Scheme)
Proposed Project : Eye Care & Optical Centre
(A) Estimated cost of project : 6.00 lakhs
(B) Means of Finance :
(I)Term Loan from Bank : 4,00,000/-
(II) Cash Credit Limit : 1,00,000/-
(iii) Own Contribution : 100,000/-
Employment Potential : 2 persons
Normal Working hours : 8 hours
INTRODUCTION:
The demand for optics is rising with growing population. A number of small shops are operating

in almost every residential and commercial area. However, these shops seldom follow required
quality standards; except for those few recently introduced in high income group residential

areas. The proposed optics shop would supply medically processed, quality optics and glasses.
The shop is proposed to be located in a commercial market of residential area belonging to

middle or upper middle income group.The projected products available in the shop will include
optics and glasses, supplied according to the customer’s requirement. This business involves

purchase of frames and lens from a wholesale market. Contract procurement lens from reliable

suppliers can be an economical alternative. In addition there would be eyesight testing service by
an expert or eye specialist.Indian optical industry is a huge untapped market, 80% of the optical

market is still unorganized.Nearly 50% of India’s population needs vision correction. So, there is a
huge demand in the optical industry. Every year, India produces 30,000 optometrists and you will

be astonished to know that for every 70 thousand people in India, there is only 1 optical store
available.This industry has bloomed from being a fashion accessory to an important necessity.

Market potential & Strategy

The target market is primarily customers belonging to middle and upper middle income group,

specifically health conscious individuals who are particular about purchasing quality
products.Nearly 50% of India’s population needs vision correction. So, there is a huge demand in

the optical industry, this shows the huge potential and demand of this business. Only 80% of the
optical market is still unorganized. Imagine the scope of options you can explore in the industry

and the availability of skilled labours in this industry are on a higher side. If you take the average
profit margin on this business, it is on a higher side and the ROI will be high due to this. This

makes the entrepreneur invst into this business and also to provide a good service to the peope
around the service area. The main form of marketing will be through campaigns and local

advertisments. Ads such as newspaper inserts, Local billboards and leaflets will be on high priority.
Events such as small contests, lucky draws, discounts will also be in consideration to establish the
brand.
EYE RELATED PROBLEM IN INDIA
Eye infection is a common problem. Infections are mainly caused by bacteria, viruses, or fungi. The

infection can occur in a particular part of the eye and can affect one eye or both eyes. Eye
infections cause many symptoms, Such as eye swelling, itching, redness, pain, and watery eyes,

etc. Eye infections can be prevented by adopting general physical hygiene. For this, wash your
hands regularly and do not touch your eyes with dirty hands. Also, wash your eyes regularly with

cold water.
Some types of eye drops (eye drops) and antibiotics are included under the treatment of eye

infections. If the eye infection is not treated on time, it can cause many eye problems, including
blurred vision, dark spots, and even blindness.

There are now countless career options for Optometrist. If you want to enter it, then the

ophthalmic eye clinic can be a better career. Such trend professionals reach a precise diagnosis by
examining the eyes with the help of state-of-the-art equipment.

The role of Optometrist in the medical field cannot be ignored in today’s era. Diagnostic
technology has proved to be the biggest boon for the healthcare sector. Today, all specialists are

generally dependent on the results of the lab test, x-ray, ECG, ultrasound, or CT scan reports.
According to an estimate, by 2050 the population of the country will be around 150 crores. Today

in terms of population in the country.

Prevalence of eye diseases in India

In India, the prevalence of dry eye diseases (DEA) is greatly influenced by the geographical
location, climatic conditions, and also lifestyle of the people and ranges from 5% to 35%.

The broadness of cataracts increases with age and makes women more likely than men.
The prevalence of any diabetic retinopathy (Dr) in type 1 diabetes is 56%, and also the diabetes is

type 2 is 30.3% (according to the UK national diabetic retinopathy screening service).

Unskilled and semi-skilled workers and lower socioeconomic groups, such as the workers, were
more common in ocular shock.
The lifetime of cataract shock is more common in diseases such as glaucoma, escort complex age-

related to muscular degeneration, or diabetic retinopathy.

However, expansion of primary open-angle glaucoma (POAG) in rural south India is estimated to

be 1.7% in the study. (glaucoma: the study of epidemiology of ophthalmic trauma in an emerging
crisis, an urban slum population, prevails. Ophthalmic trauma to hospitals, proliferation of

cataracts to a large population in India).

Mr. Brajesh Kumar in his individual capacity is going to start up new unit Eye Care & Optical

Centre. In view to establish his business and to cop up with the market he needs to incur capital
cost and working capital for various day to day business activities.

Therefore, the concern requires Capital Expenses and Working capital to be incurred to finance
the desired level of business operations which can be achieved only with the help of Loan

Facilities of INR 5,00,000/- as being requested for.

Product/Services & Process

The Unit is Planning to provide a variety of Quality Optical Lenses & frames to match with todays
fashionable trend.

PROCESS USED BY A PROFESSIONAL OPTIMETRIST

1. Completing a Health History Form

By completing or updating your health history form, you provide the doctor with an overview of
your general health. The health history form asks about specific medical conditions and a list of

medications that could impact your eyesight. You will also be asked about specific activities you
participate in that might require specialized vision care or eyewear. You can complete the health

history form online at this link, or you can complete it at the office. Please arrive 10 minutes early
if you choose to complete it at the office.

2. Review of Health History and Pre-Exam Consult

Next, you will meet with an optician in the pre-exam room. The optician will review your health

history with you and discuss any problems you may be having with your vision. The optician may
also review any medical conditions and specific visual needs. The optician will measure your visual

acuity with (if applicable) and without correction. Next a series of objective and automated
measurements will be taken using the latest in equipment. A visual field machine will determine if
your vision is deteriorating in any area. A gentle tonometer will measure the pressure of your eye,
in order to assess your risk of developing glaucoma. Our tonometer has the latest software that
normalizes readings by taking corneal thickness into account. Finally, a highly accurate

autorefractor will measure your estimated prescription and corneal curvatures.

All of this information is networked to the exam room, where your doctor can now begin a highly

accurate and efficient exam.

3. Glaucoma Test

Raised intraocular pressure is a significant risk factor for developing glaucoma, so the doctor will
run a diagnostic test to measure the pressure in your eye. Untreated glaucoma leads to

permanent damage of the optic nerve and visual field loss. When identified early, glaucoma can
be effectively treated.

Our primary test is the non-contact tonometer, which uses an air puff against your eyeball while

you are staring at a light source. It is quick and painless. No instrument touches your eyeball. In
some cases, the doctor may choose to perform a different glaucoma test that involves placing a

numbing drop in your eye and using an applanation tonometer to gently press on the cornea to
measure intraocular pressure. Both tests are painless and having a glaucoma test is an important

part of identifying potential eye issues at an early stage.

4. Perimetry Test
If the doctor determines it necessary, he or she will perform a threshold perimetry or visual field

test to check for blind spots in your peripheral vision. These blind spots can indicate that
glaucoma is developing or can be used to identify potential brain damage from a stroke or tumor.

5. Cover Test
A cover test is a simple procedure for determine how your eyes are working together. The doctor

will have you stare at a portion of an eye chart and alternately cover each of your eyes with a
small paddle. As you do this, it allows the doctor to observe how much your eyes move to register

the object you were looking at. This will be done for close-up and for far away. The cover test
determines the presence of strabismus, which can cause amblyopia (lazy eye), poor depth

perception and binocular vision problems.

6. Refraction Test

Starting with the base prescription determined through retinoscopy, the doctor uses a refraction
test to determine your precise prescription. This is the test that most people associate with an eye

exam. Using a computerized phoropter, the doctor will flip lenses using a touch screen remote
with different optical powers or focal lengths in front of each eye. The doctor will ask you which of

the two lenses makes your vision clearer. The doctor will continue this process until your exact
prescription is determined. Due to the modern autorefractor and phoropter utilized at Poway

Eyeworks, you can expect this test to be much easier and quicker than with older equipment.
7. Binocular Slit-Lamp Examination

The slit lamp used in conjunction with a biomicrosocpe allows the doctor to examine the health of
your eyes. By giving the doctor a magnified view of the eye structures, the doctor can check for

signs of infection or disease.

You place your chin in the chin rest and the doctor will shine a light from the slit lamp into your

eye. The doctor then looks at the structures in the front of the eye, such as eye lids, cornea and
iris, then at the inside of the eye (the macula, retina, iris, etc.). This examination allows the doctor

to identify a wide range of potential eye diseases and conditions.

8. Dilation Procedure
Your pupils are dilated to allow the doctor to get a better view of the structures inside the eye

when an abnormality is suspected. To dilate your pupils, special eye drops will be placed in your
eyes. You will be asked to wait approximately 15 minutes for the drops to take effect. Once your

pupils are sufficiently dilated, the doctor will examine the inner structures of your eyes. Because
dilated pupils will make your eyes more sensitive to light, it is a good idea to bring sunglasses

with you to minimize your light sensitivity when leaving the office. If possible, we recommend
bringing a driver with you to the dilation procedure.

After Your Exam Once your exam is complete, the doctor will review your results. If there are any
potential problems, a follow-up exam will be scheduled or you will be referred to a specialist. If

your eyes are healthy and you just need a prescription, you now get to pick out new eyeglass
frames. Our optical team will work with you to find the right eyeglass frames for your prescription

and personal style. They will also work with you to get the proper fit and to understand your lens
and coating options.
LOCATION:
As the said concern is established and located at Chandausi Road, Babrala, Tehsil Gunnaur, Distt.

Sambhal which is well connected by National Highway. Hence the location of the concern is the
ideal one.

Address of the concern is as follows:

Town: Chandausi Road, Babrala

Tehsil Gunnaur
Distt. Sambhal (U.P.) -243751

PROPRIETORSHIP DETAILS:

Name :- Mr. Brajesh Kumar

Age :- About 25 Years

PAN :- DODPK6889H
UDYAM AADHAAR NO. :- UDYAM-UP-65-0007107 : -

Educational Qualification :- Diploma in Optometry

Experience :- The Proprietor is well educated person and

possess required skills to manage & operate the

business.

The proprietor is a main work force in this concern and

handling its marketing, processing and distribution

independently.
COST OF PROJECT:

The cost of project for proposed plan is estimated to be Rs. 6.00 Lakhs segmentation of which are

as follows: -

Nature of Expenditure Estimated Cost

Machinery Rs. 5,00,000/-

Working Capital Rs. 1,00,000/-

----------------------
TOTAL ESTIMATED COST Rs. 6,00,000/-
--------------------

MEANS OF FINANCING OF THE PROJECT:

The proprietor has decided to raise the funds as follows: -

Source Amount (Rs.)

Term Loan : Rs 4,00,000/-

Cash Credit : Rs 1,00,000/-
Own Fund Rs 1,00,000/-
---------------------
TOTAL FUNDS Rs. 6,00,000/-
---------------------

MARKETING PROSPECTS:

The Concern has intended to concentrate on Prompt services and to maintain its quality standard

by having great potential in the market for the future development of the said business.
Since the concern has access to the established market and business contacts, the same shall be
able to achieve the increased turnover and the desired targets in the forthcoming years. The
concern has bright future prospects.
UTILISATION OF BORROWED FUNDS:
Borrowed loan amount will be utilized as under

a) Purchase of Machinery
1. Auto Refractometer Equipment: INR 1,75,000/-
2. Lens Meter INR 55,000/-

3. Chair Unit INR 85,000/-

4. Slit Lamp INR 45,000/-

5. Other Machinery & Equipments INR 40,000/-

6. Furniture INR 100,000/-

Total INR 500,000/-

b) Working Capital Requirement

Working Capital will also be required for incurring various expenses like salary,
travelling expenses, business promotion and other business expenses of regular

nature.
Total estimated CC Limit required for meeting Working Capital Expenditure is

INR 100,000/-

C) Own funds may be utilized for meeting other expenditures as may be required for
time to time.
 SHRI RAJARAM EYE CARE AND OPTICAL CENTRE (Prop: BRAJESH YADAV)
(PAN: DODPK6889H)
CHANDAUSI ROAD, BABRALA, TEHSIL GUNNAUR, SAMBHAL, UP-243751
PROJECTED BALANCE SHEET
(Amounts in Rs.)
Years
Particulars
I II III IV V

(A) EQUITY AND LIABILITIES

1 Own Contribution 1,00,000 1,00,000 1,00,000 1,00,000 1,00,000

Reserves & Surplus :

Opening P&L A/c - 4,08,883 4,95,063 5,56,755 6,08,133
Add: Net Profit 6,58,883 3,61,180 3,64,192 3,84,129 4,01,222
Less: Drawings 2,50,000 2,75,000 3,02,500 3,32,750 3,33,000
Closing Balance P&L A/c 4,08,883 4,95,063 5,56,755 6,08,133 6,76,355

2 Secured Loans
Term Loan 3,37,881 2,67,884 1,89,009 1,00,132 -
CC Limit 1,00,000 1,00,000 1,00,000 1,00,000 1,00,000

TOTAL 9,46,764 9,62,947 9,45,764 9,08,265 8,76,355

(B) ASSETS

3 Fixed Assets
Gross Block 5,00,000 4,25,000 3,61,250 3,07,063 2,61,003
Less: Depreciation 75,000 63,750 54,188 46,059 39,150
Net Block 4,25,000 3,61,250 3,07,063 2,61,003 2,21,853

4 Current assets

(a) Closing Stock 3,96,075 4,35,683 4,57,467 4,80,340 5,04,357

(b) Cash and Bank Balances 1,25,689 1,66,014 1,81,235 1,66,922 1,50,146

Total Current Assets 5,21,764 6,01,697 6,38,701 6,47,262 6,54,503

TOTAL 9,46,764 9,62,947 9,45,764 9,08,265 8,76,355

FOR SHRI RAJARAM EYE CARE AND OPTICAL CENTRE FOR RAHUL U SHARMA & CO.
(Firm Regn. No. 030969C)

PROPRIETOR
RAHUL SHARMA
DATE: 29.12.2022

PLACE: BABRALA (Membership No. 530392)

 SHRI RAJARAM EYE CARE AND OPTICAL CENTRE (Prop: BRAJESH YADAV)
( PAN: DODPK6889H)
CHANDAUSI ROAD, BABRALA, TEHSIL GUNNAUR, SAMBHAL, UP-243751
PROJECTED STATEMENT OF PROFIT & LOSS
(Amounts in Rs. )
Years
Particulars
I II III IV V

Gross Receipts 26,40,500 29,04,550 30,49,778 32,02,266 33,62,380

Closing Stock of RM &

Add : FG 3,96,075 4,35,683 4,57,467 4,80,340 5,04,357

Less Opening Stock of RM &

: FG - 3,96,075 4,35,683 4,57,467 4,80,340

Purchases 17,16,325 18,87,958 19,82,355 20,81,473 21,85,547

Conveyance Expense 52,810 58,091 60,996 64,045 67,248

Wages( Skilled &

Unskilled) 1,44,000 1,51,200 1,58,760 1,66,698 1,75,033

Gross Profit 11,23,440 8,46,909 8,69,451 9,12,923 9,58,569

Rent Expenses 60,000 66,000 72,600 79,860 87,846

Bank Charges 5,200 6,000 7,000 8,000 10,000

Interest on Term Loan 44,657 36,779 27,901 17,898 6,626

Interest on CC Limit 9,500 9,500 9,500 9,500 9,500

Staff Salary Expenses 1,68,000 1,92,000 2,11,200 2,32,320 2,55,552

Electricity Expenses 95,000 1,04,500 1,14,950 1,26,445 1,39,090

Miscelleneous
Expenses 7,200 7,200 7,920 8,712 9,583

Depreciation 75,000 63,750 54,188 46,059 39,150

Net Profit 6,58,883 3,61,180 3,64,192 3,84,129 4,01,222

 Statement Showing Debt Service Coverage Ratio

Particulars Years

I II III IV V

Net Profit 6,58,883 3,61,180 3,64,192 3,84,129 4,01,222

Add: Depreciation 75,000 63,750 54,188 46,059 39,150

Add: Interest On Term Loan 44,657 36,779 27,901 17,898 6,626

Add. Interest on CC
Limit 9,500 9,500 9,500 9,500 9,500
Cash Inflows Towards Term
Loan (A) 7,88,040 4,71,209 4,55,781 4,57,586 4,56,499

Cash Outflows Towards Term

Loan (B) 1,06,776 1,06,776 1,06,776 1,06,776 1,06,776

Debt Service Coverage Ratio

(A)/(B) 7.38 4.41 4.27 4.29 4.28

Average Debt Service

Coverage Ratio 4.10

Schedule - 1 : Proprietor's Capital A/c

(Amounts in
Rs.)
Particulars Years
I II III IV V
Opening -
balance 5,08,883 5,95,063 6,56,755 7,08,133

Add : Capital Inducted 1,00,000

- - - -

Add : Net Profit for the 6,58,883

period 3,61,180 3,64,192 3,84,129 4,01,222

Add : Adjustment of -
Margin Money - - - -

Less : Drawings 2,50,000

2,75,000 3,02,500 3,32,750 3,33,000

Closing 5,08,883
Balance 5,95,063 6,56,755 7,08,133 7,76,355
Schedule - 2 : Term Loan

Years
Particulars
I II III IV V

Opening Balance - 3,37,881 2,67,884 1,89,009 1,00,132

Term Loan Taken 4,00,000 - - - -

Add: Interest Accrued on Loan 44,657 36,779 27,901 17,898 6,634

Less: Repayment 1,06,776 1,06,776 1,06,776 1,06,776 1,06,776

Closing Balance 3,37,881 2,67,884 1,89,009 1,00,132 (0)

SCHEDULE OF INTEREST & REPAYMENT OF TERM LOAN

Monthly Instt. = A
Term Loan = P
Intt. Rate P.M. = I @12% p.a
No. of Monthly
Installments = n

P= A. [ 1-(1+i)-n]
i

A= 8,898

1st Year

Opening Bal. Due Amount at Intt. In Monthly Instt. Repayment Closing Bal.
Month End Due Amt. Payment of Principal
4,00,000.00 4,04,000.00 4,000.00 8,898.00 4,898.00 3,95,102.00
3,95,102.00 3,99,053.02 3,951.02 8,898.00 4,946.98 3,90,155.02
3,90,155.02 3,94,056.57 3,901.55 8,898.00 4,996.45 3,85,158.57
3,85,158.57 3,89,010.16 3,851.59 8,898.00 5,046.41 3,80,112.16
3,80,112.16 3,83,913.28 3,801.12 8,898.00 5,096.88 3,75,015.28
3,75,015.28 3,78,765.43 3,750.15 8,898.00 5,147.85 3,69,867.43
3,69,867.43 3,73,566.10 3,698.67 8,898.00 5,199.33 3,64,668.10
3,64,668.10 3,68,314.79 3,646.68 8,898.00 5,251.32 3,59,416.79
3,59,416.79 3,63,010.95 3,594.17 8,898.00 5,303.83 3,54,112.95
3,54,112.95 3,57,654.08 3,541.13 8,898.00 5,356.87 3,48,756.08
3,48,756.08 3,52,243.64 3,487.56 8,898.00 5,410.44 3,43,345.64
3,43,345.64 3,46,779.10 3,433.46 8,898.00 5,464.54 3,37,881.10
TOTAL 44,657.10 1,06,776.00 62,118.90 44,03,591.12
2nd Year

Opening Bal. Due Amount at Intt. In Monthly Instt. Repayment Closing Bal.
Month End Due Amt. Payment of Principal
3,37,881.10 3,41,259.91 3,378.81 8,898.00 5,519.19 3,32,361.91
3,32,361.91 3,35,685.53 3,323.62 8,898.00 5,574.38 3,26,787.53
3,26,787.53 3,30,055.41 3,267.88 8,898.00 5,630.12 3,21,157.41
3,21,157.41 3,24,368.98 3,211.57 8,898.00 5,686.43 3,15,470.98
3,15,470.98 3,18,625.69 3,154.71 8,898.00 5,743.29 3,09,727.69
3,09,727.69 3,12,824.97 3,097.28 8,898.00 5,800.72 3,03,926.97
3,03,926.97 3,06,966.24 3,039.27 8,898.00 5,858.73 2,98,068.24
2,98,068.24 3,01,048.92 2,980.68 8,898.00 5,917.32 2,92,150.92
2,92,150.92 2,95,072.43 2,921.51 8,898.00 5,976.49 2,86,174.43
2,86,174.43 2,89,036.17 2,861.74 8,898.00 6,036.26 2,80,138.17
2,80,138.17 2,82,939.55 2,801.38 8,898.00 6,096.62 2,74,041.55
2,74,041.55 2,76,781.97 2,740.42 8,898.00 6,157.58 2,67,883.97
TOTAL 36,778.87 1,06,776.00 69,997.13 36,07,889.76

3rd Year

Opening Bal. Due Amount at Intt. In Monthly Instt. Repayment Closing Bal.
Month End Due Amt. Payment of Principal
2,67,883.97 2,70,562.81 2,678.84 8,898.00 6,219.16 2,61,664.81
2,61,664.81 2,64,281.46 2,616.65 8,898.00 6,281.35 2,55,383.46
2,55,383.46 2,57,937.29 2,553.83 8,898.00 6,344.17 2,49,039.29
2,49,039.29 2,51,529.68 2,490.39 8,898.00 6,407.61 2,42,631.68
2,42,631.68 2,45,058.00 2,426.32 8,898.00 6,471.68 2,36,160.00
2,36,160.00 2,38,521.60 2,361.60 8,898.00 6,536.40 2,29,623.60
2,29,623.60 2,31,919.84 2,296.24 8,898.00 6,601.76 2,23,021.84
2,23,021.84 2,25,252.06 2,230.22 8,898.00 6,667.78 2,16,354.06
2,16,354.06 2,18,517.60 2,163.54 8,898.00 6,734.46 2,09,619.60
2,09,619.60 2,11,715.79 2,096.20 8,898.00 6,801.80 2,02,817.79
2,02,817.79 2,04,845.97 2,028.18 8,898.00 6,869.82 1,95,947.97
1,95,947.97 1,97,907.45 1,959.48 8,898.00 6,938.52 1,89,009.45
TOTAL 27,901.48 1,06,776.00 78,874.52 27,11,273.55

4th Year

Opening Bal. Due Amount at Intt. In Monthly Instt. Repayment Closing Bal.
Month End Due Amt. Payment of Principal
1,89,009.45 1,90,899.54 1,890.09 8,898.00 7,007.91 1,82,001.54
1,82,001.54 1,83,821.56 1,820.02 8,898.00 7,077.98 1,74,923.56
1,74,923.56 1,76,672.80 1,749.24 8,898.00 7,148.76 1,67,774.80
1,67,774.80 1,69,452.54 1,677.75 8,898.00 7,220.25 1,60,554.54
1,60,554.54 1,62,160.09 1,605.55 8,898.00 7,292.45 1,53,262.09
1,53,262.09 1,54,794.71 1,532.62 8,898.00 7,365.38 1,45,896.71
1,45,896.71 1,47,355.68 1,458.97 8,898.00 7,439.03 1,38,457.68
1,38,457.68 1,39,842.25 1,384.58 8,898.00 7,513.42 1,30,944.25
1,30,944.25 1,32,253.70 1,309.44 8,898.00 7,588.56 1,23,355.70
1,23,355.70 1,24,589.25 1,233.56 8,898.00 7,664.44 1,15,691.25
1,15,691.25 1,16,848.17 1,156.91 8,898.00 7,741.09 1,07,950.17
1,07,950.17 1,09,029.67 1,079.50 8,898.00 7,818.50 1,00,131.67
TOTAL 17,898.22 1,06,776.00 88,877.78 17,00,943.95
 5th Year

Opening Bal. Due Amount at Intt. In Monthly Instt. Repayment Closing Bal.
Month End Due Amt. Payment of Principal
1,00,131.67 1,01,132.98 1,001.32 8,898.00 7,896.68 92,234.98
92,234.98 93,157.33 922.35 8,898.00 7,975.65 84,259.33
84,259.33 85,101.93 842.59 8,898.00 8,055.41 76,203.93
76,203.93 76,965.97 762.04 8,898.00 8,135.96 68,067.97
68,067.97 68,748.65 680.68 8,898.00 8,217.32 59,850.65
59,850.65 60,449.15 598.51 8,898.00 8,299.49 51,551.15
51,551.15 52,066.66 515.51 8,898.00 8,382.49 43,168.66
43,168.66 43,600.35 431.69 8,898.00 8,466.31 34,702.35
34,702.35 35,049.37 347.02 8,898.00 8,550.98 26,151.37
26,151.37 26,412.89 261.51 8,898.00 8,636.49 17,514.89
17,514.89 17,690.04 175.15 8,898.00 8,722.85 8,792.04
8,792.04 8,879.96 87.92 8,898.00 8,792.04 (0.00)
TOTAL 6,626.29 1,06,776.00 1,00,131.67 5,62,497.32

MANAGEMENT AND LABOUR

The overall management and staff are being supervised by proprietor herself.

As a supervisor she is well experienced and competent person. She is having sufficient and
desired level of knowledge, skill, experience and aptitude required to run this type of concern

Conclusion:

The Project as a whole describes the scope & viability of the Trading Industry and mainly of the

Financial, technical & its market potential. The Project guarantee Sufficient Funds to repay the
loan and also give a good return on capital Investment. The project will cater the demand of

trading & thus helps the other business entities to increase the production and service which
provides service and support to this industry. Thus, more cyclic employment and livelihood

generation. So, in all ways, we can conclude the project is technically and socially viable and
commercially sound too.

Date: 29.12.2022 For Mr. Brajesh Kumar

Place: Babrala Proprietor