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    Pradhan Mantri Mudra Yojana (Pmmy) Kishore Scheme

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    Global Law Firm
    This document describes a proposed Agarwatti unit owned by Gita Devi in Dhanbad, Jharkhand. The unit would produce agarwatti and has a total capital investment of Rs. 100,000, which would be financed through a bank loan under the Pradhan Mantri Mudra Yojana (PMMY). The unit is expected to generate annual sales of Rs. 15 lakh and net annual profits of Rs. 2.71 lakh, making it technically feasible and economically viable.

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    Pradhan Mantri Mudra Yojana (Pmmy) Kishore Scheme

    Uploaded by

    Global Law Firm
    102 views5 pages
    This document describes a proposed Agarwatti unit owned by Gita Devi in Dhanbad, Jharkhand. The unit would produce agarwatti and has a total capital investment of Rs. 100,000, which would be financed through a bank loan under the Pradhan Mantri Mudra Yojana (PMMY). The unit is expected to generate annual sales of Rs. 15 lakh and net annual profits of Rs. 2.71 lakh, making it technically feasible and economically viable.

    Original Description:

    1,00,000 Agarwatti

    Original Title

    1,00,000 Agarwatti

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    This document describes a proposed Agarwatti unit owned by Gita Devi in Dhanbad, Jharkhand. The unit would produce agarwatti and has a total capital investment of Rs. 100,000, which would be financed through a bank loan under the Pradhan Mantri Mudra Yojana (PMMY). The unit is expected to generate annual sales of Rs. 15 lakh and net annual profits of Rs. 2.71 lakh, making it technically feasible and economically viable.

    Copyright:

    © All Rights Reserved
    Download as DOC, PDF, TXT or read online from Scribd
    Download as doc, pdf, or txt
    102 views5 pages

    Pradhan Mantri Mudra Yojana (Pmmy) Kishore Scheme

    Uploaded by

    Global Law Firm
    This document describes a proposed Agarwatti unit owned by Gita Devi in Dhanbad, Jharkhand. The unit would produce agarwatti and has a total capital investment of Rs. 100,000, which would be financed through a bank loan under the Pradhan Mantri Mudra Yojana (PMMY). The unit is expected to generate annual sales of Rs. 15 lakh and net annual profits of Rs. 2.71 lakh, making it technically feasible and economically viable.

    Copyright:

    © All Rights Reserved
    Download as DOC, PDF, TXT or read online from Scribd
    Download as doc, pdf, or txt
    of 5

    Pradhan mantri mudra yojana (pmmy)

    Kishore scheme

    Agarwatti unit

    1. Name of the Unit & Address : M/S GITA DEVI

    HARIJAN BASTI

    BARTAND

    DHANBAD

    2. Constitution : Proprietary Concerned

    3. Name of the Proprietor : GITA DEVI

    W/O LT.RAJ KUMAR RAM

    HARIJAN BASTI

    DHANBAD

    4. Location of the Unit : In Dhanbad

    5. Category of the proprietor : (Businessman)

    6. Name of the Product : Agarwatti Unit

    7. Date of Commencement of the unit : Proposed Unit

    8. Per Capita Investment over fixed

    Assets and 01 employment generated : 50,000.00(Per Multiple)


    9. Capacity (Qty/Valve) : Rs.1,00,000.00

    10. Total Capital Investment

    Fixed Capital : Rs. 50,000.00

    Working Capital : Rs. 50,000.00

    11. No. of shift/ day : Single Shift of 8 hrs daily

    12. No. of working days : 25 working days in a month & 300

    working days in a year.

    13. Mobile No. :

    Introduction:- Agarwatti sector is fast growing sector unit is near to main


    (Dhanbad) as the big city for this purpose .As a millennium city its, demand growing
    day by day .It is mainly manual work

    2) Technical know how & Process :- The proprietor has the good experience
    regarding this proposed unit..

    3) Location and Infrasturucture Facilities:- The proposed unit of Agarwatti is


    located in the dist. Dhanbad.

    4. MARKET PROPECTS:- The items has a very good demand in the market. So
    the market proposed is high.

    5. BASIC & PRESUMPTION:-


    (A) The Agarwatti service will be the product.

    (b) The proprietor is a businessman-Person.

    (c) As the units Location is a Dhanbad Area.

    (d) In the year (2016-17) being the 1st year of operation, it is estimated that only

    100% of capacity utilization can take place under this project.

    (e) Raw materials,available in near by Metro city Kolkatta and Dhanbad.

    (f) The Bank loan interests are based upon the norms and conditions of R.B.I

    (g) The Labour employment is based upon fixed Assets costs of the project. One
    employment (per capita employment) is Based over Rs. 1 lacs costing

    6. Capacity /Annually:- On doing work of it is estimated Rs. 1,00,000.00 will be


    the annual capacity this may varies time to prevailed demand in the market.
    7) FIXED COSTS
    Fixed Costs comprises of the investment upon Land, Workshed & office, plant and
    machineries as well as some pre operative expenses.

    a) LAND:- The promoter of the scheme has previously managed the sufficient
    bare land………NIL

    b) Workshed, Office:- Workshed and office also prevailed the proprietor has
    made previously at her own costs for 15’x17’ room

    c) Plant & Machineries

    1. Tools like Frame Making Machine, Mixture Machine,


    =50,000.00

    (with all taxes and necessary tools)

    8) Total Fixed Investment


    Land : NIL

    Total : 50,000/-

    9.) VARIABLE COSTS/ PM


    (i) Raw Materils / PM

    Raw matterials RS. 46,900/- per.

    ii) Expenses/ per

    1. Travelling = 300/- per

    2. Packages = 300/- per

    3. Telephone/mobile= 500/- per

    4. Insurance = 200/- per

    6. Power & utility = 1800/- per

    Total = 3100.00 per

    10) Total Variable Cost /PM


    1. Raw Material = 46,900.00

    2. Other Expenses = 3100.00

    Total = 50,000.00
    11) Working capital for 1 months
    50,000/- x 1 = 50,000.00

    12) Total Capital Investment


    Fixed Capital = 50,000.00

    Working Capital = 50,000.00

    Total = 1,00,000/-

    13) Means of Finance under PMMY


    By Bank=1,00,000.00

    14) Financial Arrangement and Repayment Scheduled

    Interest as per RBI Rules

    If taking 12% Annual rate on loan =Rs. 12,000.00 (Annually)

    Principal Amount @ e.m.i. =Rs. 16,666.00 (Annually)

    For 72 months = 28,666.00 (Annually)

    15) Receipt from SALE/PM

    Receipt through Sale per month through different sale

    .=1,25,000.00

    Annual Receipt = 1,25,000x 12 = Rs. 15,00,000.00

    19) Total Net Profit/ Annually

    Net Profit / Annually = 15,00,000(-) 12,00,000=3,00,000

    = 3,00,000-28,666=

    = 2,71,334/- Annually

    Or Rs. 22,611/- p.m.

    Hence this project is technically feasible and economically viable.

    Signature of candidate
    ANNEXTURE-01 AND REPAYMENT SCHEDULED

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