COMPREHENSIVE PROJECT REPORT of M/s Apoorva Goats Farms

COMPREHENSIVE PROJECT REPORT
of
M/s Apoorva Goats Farms
(Prop. Arpit Bachhotiya)
Village: Bhayali, Timarni (M.P.)
National Livestock Mission under Department of Animal

Husbandry & Dairying
Prepared by: ANUJ AGRAWAL & ASSOCIATES

Chartered Accountants
C/o Agrawal Sales Agency, Mandi Road, Timarni Dist.
Harda (M.P.)-461223 Contact no. 9691880015
Submitted by: Submitted to:

ARPIT BACHHOTIYA STATE BANK OF INDIA (SBI)
H.No, 161, Ward No. 15, Haldul Baba Timrani, Dist. Harda M.P.
Marg
Timrani, Dist. Harda 461228 (MP)
Project Synopsis
Sr.
No. Particulars Details
1 Name of Unit M/s Apoorva Goat Farms
2 Constitution Proprietorship
3 Scheme Sub-Mission on Breed Development of
Livestock and Poultry
4 Sub Scheme Establishment of Entrepreneur for breed
development in small ruminant sector
(Sheep and Goat Farming)
5 Scheme Sponsoring Organisation National Livestock Mission under
Department of Animal Husbandry &
Dairying
6 Address of Unit Gram Chhidgaonmail, Patwari Halka No. 28
Timrani, Dist. Harda (MP) - 461228
7 Contact Details +91- 81201-78333
8 Cost of Project ₹12,247,850
9 Means of Finance Bank Finance Rs. 76,26,000/-
Subsidy from SIDBI Rs. 24,64,688/-
Promoter Margin Rs. 11,21,188
10 Land Owned
11 Khasra No. 73, 74/2, 75
12 Approach Road Yes - The land is located on Harda-
Hoshangabad Highway
13 Water Availability Yes - The promoter owns water well in the
Farm
14 Electricity Availability Yes - The farm has a domestic connection
and one connection is for agricultural work
15 Name of Bank State Bank of India
Timarni Branch
16 Average Profit after Tax (PAT) in 38.49
Lacs
17 Average Return on Investment 19.12%
(ROI)
18 Average Debt Service Coverage 7.18
Ratio (DSCR)
19 Average Breakeven Point (BEP) 14.63%
20 Projection/ Repayment Period 10 Years / 120 Months
2 Compiled by: Anuj Agrawal & Associates

SCHEMES SKETCH
PROJECT UNDER THE SCHEME
CREDIT FACILITY SCHEME
STAND UP INDIA (SUI)
GUARANTEE COVER
CREDIT GUARANTEE SCHEME FOR STAND-UP INDIA (CGSSI)
REFERANCE
MOU BETWEEN SBI & DICCI

SBI E-CIR. NO. FIMM/GSS/15/2021-22 DATED 27/01/22

I. INTRODUCTION
India has a very large and diverse genetic resource of goats. Goat plays a significant
role in economic upliftment of rural poor. Consumption of goat meat is increasing
rapidly due to its social acceptability. This sector has tremendous potential in
employment generation & poverty reduction.
ln this project Mr. Arpit Bachhotiya is taking up a project and determined to earn
his own livelihood through self-employment venture of a modern goat farm and
breeding center of 500 FEMALE GOATS & 25 MALE GOATS with good technical
knowledge in the project of goat farming. The project is going to be stared at Gram
Chhidgaonmail, Patwari Halka No. 28, Timarni, Dist. Harda (MP). The area of
land is 5 Acre for shed, Office and fodder cultivation etc.
II. NATURE OF PROJECT & OPERATIONS:
The proposed project is of goat farming starting with 500 female goats & 25 male
goats. The nature of units is to rearing and breeding of goats and sale out for Breed
purpose. The project is quite feasible supporting with the data describe as under.
III. THE PROFITABLE OBJECTS OF PROJECT:
Goat is probably the only animal breed for multiple objects. i.e., Meat, Hide, Milk,
Manure and goat hair. Goat can be kept with little expense. Marginal or undulating
lands, Unsuitable for other type of livestock may be used & any inexpensive shelter
will suffice. Goat milk is cheap, wholesome, and easily digestible & containing good
quality of nutrition apart from goat’s milk, which is richer in facts & proteins with a
higher digestibility than cow’s milk, suitable for infects & invalids. Most Indians
perfect goat flesh to do means although it is compared to dairy Cow. When the
properties of its body weight to its milk yield is taken into account. Goat thrives on
herbs, all sorts of weeds from flowers & vegetables gardens wild plants peelings of
vegetables & fruits & all other kitchen waste. Which are normally not relished by
other livestock, goats in general are hardy animal they really not suffered from severe
diseases. They can withstand the rigorous weather better than other animals. The
demand for all products of the goatary is never ending, there is no difficulty to sale
them in open market.
IV. TYPES OF BREEDS:
There are server breeds of goats available in India some thrives on pastureland &
some on stallfeed. Stall fed system is a new and upcoming concept in India called
ZERO GRAZING system of goat farming. Some goat breeds are suitable for cities &
areas where grazing facilities is not available. Adhering of these stand & we propose
to keep Sirohi, Jamunapari, Barbari, Sojat pure and cross breed goats because of
suitable for stall fed farming system and tolerant to our climate changes Under
normal condition they kid three times in 2 a year (every 8 months cycle). They are
profile breeders & generally give birth to twins & triplets in 12-15 months. The best
meat is obtained from 6-12 months old goat. Under ordinary normal conditions, the
average age of a goat is about 10 years. She should milk for about 8 lactations if
kidding is taken once a year. A goat is at her prime when she is 4-6 years of age. The
buck when well-feed keeps fit for breeding till 7-8years of age.

The other goat breeds, which can be used. Are as follows:
1. Jumunapri 2. Beetal 3. Barbari 4. Gakhrana 5. Sirohi

6. Marwadi 7. Caddi 8. Usmanabadi 9. Kacchi 10. Surti
V. MARKET POTENTIAL & SKILL ARRANGEMENTS:
Goat farming was stared in M.P. as extension program for the villagers in the 3 rd five-
year plan but it was only in the 6th plan period this activity became commercial &
was also recognized as highly profitable, based on exotic imported food of all
countries having cold U.S.S.R. countries meat- firm Ages is the preferred food of all
countries having cold climate & thus strong export demands exit for Indian meat so
also for well breed goats from meat processors. The armed forces are a big consumer
of goat meat. India as on first position for goat population in the world & is the largest
exporter of goat's skin, in India goat meat production is 410 million Kg. Per year, and
it is the largest exporter of goat's skin.
In India the present goat breeding capacity in M.P. is only 12.10 lacks goats Per year
& demand of goats for milk, meat & skin purposes are growing @20% -35 % per year.
In the light of foregone new goat farm will therefore have good marketing potential.
The promoter has done enough research on its market.
Since the promoter is a DICCI member, he/she will get a proper hand holding
support. Under the guidance of DICCI, more than 50 such units will be established
in Madhya Pradesh. All learning and knowledge will be useful to each other. All will
work under the DICCI umbrella, so that they will get all kinds of support including
marketing and skills.
VI. FEEDING & MANAGEMENT
Coats are basically brewers & usually spend more time for browsing then grazing.
But this does not mean that these animals cannot be maintained under stall fed
conditions keeping in view the shrinking of forest & pasture land in the country there
is a need to formulate rations in such a way that animals may sustain under stall
fed & semi-intensive system of management with limited grazing. Considering the
above situation most of the goat farmers are allowed for grazing/browsing daily for
limited period (Depending upon the availability of pasture) followed by feed
supplementations in order to fulfil the remaining requirements of nutrients.
The requirements of nutrients & ration presented herein may only be taken as
guideline & it does not restrict the goat farmers to use the same ingredients rather,
they may use other locally available cheaper feed ingredients of similar nature. For
et. in a particular period of the year good quality green fodder is available in plenty,
farmers may afford more quantity of green fodder & concentrate may be reduced
accordingly. A "balanced" ration is capable for meeting requirements of all the
nutrients of animal for its maintenance, development reproduction & Common feeds
& fodders of goats are as under: -
GRASSES Dub, Angina, Aswan, Kankauwa, Zarberi etc.
TREE LEAVES Bargat, Peepal, Deshi Babool, Jamun, Neem, Bair,

Subabool, Gulhar, Siras,Karaonda, etc.
CROPS Maize, Jwar, Bajra, Berseem, Lucern, Oats etc.

VII. CONCLUSION:
The promoters are very much confident in his venture and assured about the
marketing. The intention behind the project is very fair enough to run the goat farm
house in smooth manner and with a view to give employment and expanding the
business gradually with the assistance of bank finance and own funds.
ABOUT DICCI
Dalit Indian Chamber of Commerce and Industry (DICCI) is an industry body of SC-
ST Entrepreneurs with 29 state and 7 international chapters which operates with a
three-fold mandate,
 Bring together all SC-ST entrepreneurs under one umbrella,

 Become a one-stop Resource Centre for existing and aspiring SC-ST
entrepreneurs and
 Promote entrepreneurship among SC-ST as a solution to their socio-economic
problems.
For the fulfilment of the above mandate, DICCI is working jointly with various
Ministries of Govt. of India and State Governments.
DICCI has taken initiatives to create employment opportunities for SC-ST youth for
Atma-Nirbhar Bharat. The path of self-employment and entrepreneurship
development in the country has been paved through Stand-up India and Mudra
Loans. As a mentor, DICCI is doing hand holding of self-employed and aspiring
entrepreneurs.
According to the vision of the Hon'ble Prime Minister of India, DICCI is playing an
important role in successfully implementing the Stand-Up India scheme. Through
this scheme, SC-ST and women entrepreneurs are ensuring their participation in the
country's economy.
DICCI is also a hand holding agency nominated by the Govt. of India in the Stand-
Up India ecosystem.

In the National Livestock Mission (NLM), DICCI is providing hand held support to
SC/ST and women applicants to help them become successful entrepreneurs.
The applicant is a member of DICCI.
PROPOSED HANDHOLDING SUPPORT SYSTEM BY DICCI
With the objective of entrepreneurship development in rural areas, the Govt. of India
has included agriculture and allied sectors in the ambitious Stand-Up Scheme. To
fulfil this objective, there is a need to provide easy credit as well as a better hand
holding support system for the applicants.
To fulfil this objective, DICCI sensitized the aspiring rural entrepreneurs in Madhya
Pradesh to take the benefits of the scheme with full activism, promptness and
commitment.
To make these aspiring entrepreneurs successful and better financial management
of their proposed venture, they will need proper guidance and support. A
handholding mechanism/ecosystem proposed by DICCI for hand holding of these
Agri-allied entrepreneurs.
This handholding ecosystem will help the entrepreneurs for not only make the
repayment of loan timely but also develop a sustainable business model which can
grow continuously.
Documentation and financial management:

- To prepare file for bank loan process with all required documents.
- Provide support for all required permissions and NOCs.
- Prepare Detail project report with project write-up, balance sheet, CMA Data
and Financial data etc.
- Arrange quotations of livestock, machinery and infrastructure etc
- To help and guide to applicant for proper documentation for eligibility for
subsidy
- Provide accounting and financial management support
Technical Support:
- Provide all type of technical guidance to applicant like appropriate design of
animal sheds, fodder arrangements and fodder cultivation etc
- Purchasing of healthy livestock and their transportation.
- Provide health care support for livestock like Vaccination, purchase of effective
medicines; provide services of veterinary expert and doctors.
Marketing Support:
- Provide marketing support for bulk sell of livestock.
- Tie up with big markets like Hyderabad, Mumbai, Nagpur, Indore etc and
agents and connect them.
- Support and guide for effective social media and digital media presence for
marketing purpose.
- Connect and interact with state animal husbandry departments and local
agencies and peoples for register the beneficiaries as supplier of livestock.
Software and app Development:

- For regular monitoring and support will develop a Software and App.
- Software/App will be monitor by expert team.
We have an expert panel including; cattle/chick/pig & silage expert, Feed &
fodder expert, marketing people, veterinary doctors, mentors etc.

Physical Verification/Interaction:
- Our team will visit the farms physically, for verification, record check, hygienic
practices, listen the problems/challenges from beneficiaries, and resolve
them.
Waste Management:
- Provide guidance and support for waste management practices at farm and
will try to help for by products formation for extra economic source.
PROMOTER
The proposed project is being set up by “Mr. Arpit Bachhotiya S/o Mr. Laxminarayan
Bachhotiya R/o H.No, 161, Ward No. 15, Haldul Baba Marg, Timrani, Dist. Harda
461228 (MP)”
Promoters Details
Sr. No. Particulars Details

1 Full Name Mr. Arpit Bachhotiya
2 Husband's Name Mr. Laxminarayan Bachhotiya
3 Residential Address H.No, 161, Ward No. 15, Haldul Baba Marg,
Timrani, Dist. Harda 461228 (MP)
4 Date of Birth 31-Dec-1994
5 Category Schedule Caste (SC)
6 Phone Number +91- 81201-78333
7 Aadhar Number 6374-1326-8839
8 PAN EECPB9646K
9 Gender Male
10 Academic Qualification Master’s in Business Administration
11 Present Occupation Farmer (Goat Farming)
12 Training Details 03 Days Training on livestock management
from Pashu Prajnan Kendra, Kiratpur Dist.
Hoshangabad. A unit of M.P. Rajya
Pashudhan evam Kukkut Vikas Nigam, Govt.
of M.P.
13 Description The applicant is of rural background. The
family of the applicant has been traditionally
doing agriculture and animal husbandry.
The father of the applicant has been in
government service. The applicant himself
takes care of the family's agricultural work.
The applicant is doing goat rearing since last
many years. Presently the applicant has a
dozen goats.

Cost of Project
Cost
Sr. per
No. Particulars No of Units Unit Amount
A FIXED CAPITAL COST -

1.766
Land Hectare - Owned
Does (Female Goat) 500 12,000 6,000,000
Bucks (Male Goat) 25 10,000 250,000

Construction cost of shed for Does
(Female Goat) in sq ft 7,500 180 1,350,000
Construction cost of shed for Bucks
(Male Goat) in sq ft 375 180 67,500
Construction of shed cost for Kids 6,000 180 1,080,000

Construction of shed cost for sick
Animals 278 200 55,500
Chaff Cutter Machine (Iron Blower Type
Chaff Cutter, 3-5 hp) 1 45,000 45,000
Cost of Equipment for feeding & other
(Including medical equipment) 525 100 52,500
Cost of Electric Installation & Water
Distribution 50,000
Rope, Chains etc. 10,000
Total Fixed Capital Cost 8,960,500
B WORKING CAPITAL COST

Fodder cultivation (Acre/Season) 10,000
Concentrate feeds for Goats & Buks 803,250
Cost of concentrate feed for kids 1,101,600
Wages of Skilled labour per annum 288,000
As per Basis of
Wages of Unskilled labour per annum 72,000
Estimation
Misc expenditure i.e.vaccine, medicine 50,000
Electricity and water supply 500,000
Insurance Cost 312,500
Transport charges 150,000
Total Working Capital Cost 3,287,350
Total Project Cost 12,247,850
Means of Finance

Sr. No. Particulars Percent Amount
1 Towards Setting up of Business & Commencement

a Promoter's Contribution 25.00% ₹ 3,061,963
b Term loan from Bank 75.00% ₹ 9,185,888
Total ₹ 12,247,850
2 Subsidy Calculation
a Threshold Limit 5,000,000
b 50% of Fixed Capital Cost 6,123,925
Eligibile Amount (Lower of Above) 5,000,000

Front End - Subsidy (50%) ₹ 2,500,000
Second Subsidy (50%) ₹ 2,500,000
SBI Corporate office e-mail on

Clarification of Loan sanctions process under SUIS with subsidy convergence from
Central/State Govt. schemes.


No need for diversion

Gazette notification of Madhya Pradesh govt in which animal husbandry
activities have been validated on agriculture land.




BASIS OF ESTIMATION OF INCOMES AND EXPENSES
1. Techno-economic Parameters and Cost of Purchase of Live Stock

Purchase
Sr. Total Purchase cost of live
Particulars Unit Quantity cost per live
No. stock
stock
1 Bread of Goat
2 Does (Female Goat) Nos 500 12,000.00 6,000,000.00

3 Bucks (male Goat) Nos 25 10,000.00 250,000.00
4 Age of maturity Months 10-12
5 Kidding interval Months 8
6 No. of kidding Per month 1.5
7 Kidding percentage % 80
8 Average litter size (average of single, twinning, triplet, 2
9 Sex ratio 1:1
10 Mortality of kids % 20
11 Saleable age of kids Months 11
Payback period: 10 years including moratorium
12 Years 10
for the 1st year
TOTAL PURCHASE COST 6,250,000.00
2. Cost of Construction of shed

Cost of
Total
Sr. Space per Construction Total Cost of Construction
Particulars Unit Required
No. Head of shed per of Shed
Space (Sq.ft)
sq.ft (In Rs.)
1 Space requirement for doe Sq.ft 15 7,500 180.00 1,350,000.00

2 Space requirement for buck Sq.ft 15 375 180.00 67,500.00
3 Space requirement for kid Sq.ft 4 6,000 180.00 1,080,000.00
Space requirement for sick
4 Sq.ft 20 278 200.00 55,500.00
animal
TOTAL COST OF CONSTRUCTION OF SHED 14,153 2,553,000.00
3. Cost of Purchase of Machinery, Equipment, Electric Instalation, Water Distribution, etc.

Sr. Cost of per
Particulars Unit (in Nos) Total Cost
No. Unit (In Rs.)
1 Chaff Cutter Machine (Iron Blower Type Chaff Cutter, 3-5 hp) 1 45,000.00 45,000.00
2 Cost of Equipment for feeding & other (Including medical 525 100.00 52,500.00
3 Cost of Electric Instalation & Water Distribution LS. LS. 50,000.00
4 Rope, Chains etc. LS. LS. 10,000.00
TOTAL COST OF MACHINERY, EQUIPMENT, ELECTRIC INSTATION ETC. 526 157,500.00
4. Working Capital (1st Year requirement)
Quantity per
Sr. Cost per unit
Particular Unit annum (in Total Cost (In Rs.)
No (in Rs.)
kgs)
1 Fodder cultivation Acre/season 5,000 2 10,000.00
2 Concentrate feeds @ 7.5 kg /adult/ month Kg. 17 47,250 803,250.00
3 Concentrate feeds @ 4.5 kg /kids/ month Kg. 17 64,800 1,101,600.00
4 Wages of Sklied labour per annum Per labour 72,000 4 288,000.00

5 Wages of Unsklied labour per annum Per labour 36,000 2 72,000.00
6 Insurance % 5 312,500.00
7 Misc expenditure i.e.vaccine, medicine /Animal/year 100 500 50,000.00
8 Electricity and water supply /Animal/year 1,000 500 500,000.00
9 Transport Charges 150,000.00
TOTAL COST OF WORKING CAPITAL 3,287,350.00

5. FLOCK PRODUCTION CHART

Sl. Year 2 &
Particulars Year 1
No Onwards
1 Nos. of kidding/year 1.5 1.5
2 Nos. of kids born male 750 750
3 Nos. of kids born female 750 750
4 Nos. of kids died male 20% 150 150
5 Nos. of kids died female 20% 150 150
6 Nos. of male kids available for 600
sale
*
7 Nos. of female kids available for 600
sale
* Kids produced in first year will be sold in second year & so on.
6 Sale of Doe Rs 5,100,000.00

No. of Animals * Avg .Rate per animal
600 No. * @ Rs. 8, 500/- per doe
*Assumed that Sales rate will increase @ 10% per annum
7 Sale of Buck Rs 4,500,000.00

No. of Animals * Avg. Rate per animal
600 No. * @ Rs. 7, 500/- per doe
*Assumed that Sales rate will increase @ 10% per annum
8 Sales of Manure Rs 440,720.00

No. of tonne produce *Avg. Rate per tonne
220.36 tonns per annum [(0.350 kg*365)*(525+600+600)] * Rs. 2000 per tonne
*Assumed that cost of cattle feed will increase @ 10% per annum
9 Cost of Animal Feed Rs 1,904,850.00

No. of Animal * No. of days * cost per animal
(525 No. * 12 Months * Rs. 127.50)+(1200 No. * 12 Months * Rs. 76.50)
10 Concentrated Feed per Animal per month

Unit per
Particulars Rate per Unit Amount Rs.
Animal
Adult 7.5 kg Rs 17 per kg 127.50

Kids 4.5 kg Rs 17 per kg 76.50
Total 204.00
11 Wages & Salary Rs 360,000.00

No of Warkers * No. of working Month * Wages/Salary per month
*Assumed that Wages/Salary will increase @ 5% per annum
Wages/
11.a Particulars No of Worker Salary per Amount Rs.
Month
Workers -Skilled 4 6,000.00 24,000.00

Workers -Unskilled Semi 2 3,000.00 6,000.00
Manager 1 Self 0.00
Total Per Month 30,000.00
12 Misc ex penditure i.e vaccine, medicine Rs 172,500.00

No. of Animal * cost per animal per annum
1725 No. * Rs. 100
13 Insurance of Animal Rs 312,500.00

@ 5% of cost of animal
14 Electricity and Water supply Rs 1,293,750.00

1725 No* 750
15 Annual Transportation cost Rs 150,000.00

Lum Sum Rs. 150000
1725 No. * Rs. 250

M/s Apoorva Goat Farms
Projected Profitability
In Rs. Lakhs
S. No. Particulars Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10
1 Expected Revenue Per Year

Sale of Doe ₹ - ₹ 51.00 ₹ 56.10 ₹ 61.71 ₹ 67.88 ₹ 74.67 ₹ 82.14 ₹ 90.35 ₹ 99.38 ₹ 109.32
Sale of Buck ₹ - ₹ 45.00 ₹ 49.50 ₹ 54.45 ₹ 59.90 ₹ 65.88 ₹ 72.47 ₹ 79.72 ₹ 87.69 ₹ 96.46
Sale of Manure ₹ - ₹ 4.41 ₹ 4.85 ₹ 5.33 ₹ 5.87 ₹ 6.45 ₹ 7.10 ₹ 7.81 ₹ 8.59 ₹ 9.45
2 Total Revenue Receipts ₹ - ₹ 100.41 ₹ 110.45 ₹ 121.49 ₹ 133.64 ₹ 147.01 ₹ 161.71 ₹ 177.88 ₹ 195.67 ₹ 215.23
Less: Direct Expenses

3 Cost of Animal Feed ₹ 19.05 ₹ 19.05 ₹ 20.95 ₹ 23.05 ₹ 25.35 ₹ 27.89 ₹ 30.68 ₹ 33.75 ₹ 37.12 ₹ 40.83
4 Wages & Salary ₹ 3.60 ₹ 3.60 ₹ 3.78 ₹ 3.97 ₹ 4.17 ₹ 4.38 ₹ 4.59 ₹ 4.82 ₹ 5.07 ₹ 5.32
5 Misc expenditure i.e vaccine, medicine ₹ 0.60 ₹ 1.73 ₹ 1.90 ₹ 2.09 ₹ 2.30 ₹ 2.53 ₹ 2.78 ₹ 3.06 ₹ 3.36 ₹ 3.70
6 Insurance of Animal ₹ - ₹ 3.13 ₹ 3.28 ₹ 3.45 ₹ 3.62 ₹ 3.80 ₹ 3.99 ₹ 4.19 ₹ 4.40 ₹ 4.62
7 Electricity and Water supply ₹ 5.00 ₹ 12.94 ₹ 14.23 ₹ 15.65 ₹ 17.22 ₹ 18.94 ₹ 20.84 ₹ 22.92 ₹ 25.21 ₹ 27.73
8 Annual Transportation cost ₹ - ₹ 1.50 ₹ 1.65 ₹ 1.82 ₹ 2.00 ₹ 2.20 ₹ 2.42 ₹ 2.66 ₹ 2.92 ₹ 3.22
9 Purchase of live Stock ₹ - ₹ 10.20 ₹ 11.22 ₹ 12.34 ₹ 13.58 ₹ 14.93 ₹ 16.43 ₹ 18.07 ₹ 19.88 ₹ 21.86
10 Total Direct Expenses ₹ 28.25 ₹ 52.14 ₹ 57.01 ₹ 62.36 ₹ 68.23 ₹ 74.66 ₹ 81.72 ₹ 89.46 ₹ 97.96 ₹ 107.28
11 Gross Profit ₹ -28.25 ₹ 48.27 ₹ 53.43 ₹ 59.13 ₹ 65.41 ₹ 72.35 ₹ 79.99 ₹ 88.42 ₹ 97.71 ₹ 107.95
Less: Adminstrative Expenses

12 Land Rent ₹ - ₹ - ₹ - ₹ - ₹ - ₹ - ₹ - ₹ - ₹ -
13 Repair & Maintanance ₹ 0.54 ₹ 0.60 ₹ 0.66 ₹ 0.72 ₹ 0.79 ₹ 0.87 ₹ 0.96 ₹ 1.06 ₹ 1.16
14 Administrative Expenses ₹ 0.25 ₹ 0.26 ₹ 0.28 ₹ 0.29 ₹ 0.30 ₹ 0.32 ₹ 0.34 ₹ 0.35 ₹ 0.37
15 Other Expenses ₹ 0.15 ₹ 0.16 ₹ 0.17 ₹ 0.17 ₹ 0.18 ₹ 0.19 ₹ 0.20 ₹ 0.21 ₹ 0.22
16 Total Administrative Expenses ₹ - ₹ 0.94 ₹ 1.02 ₹ 1.10 ₹ 1.18 ₹ 1.28 ₹ 1.38 ₹ 1.50 ₹ 1.62 ₹ 1.75
17 Operating Profit ₹ -28.25 ₹ 47.33 ₹ 52.42 ₹ 58.03 ₹ 64.23 ₹ 71.07 ₹ 78.61 ₹ 86.92 ₹ 96.09 ₹ 106.20
18 Interest on Term Loan ₹ 7.09 ₹ 4.44 ₹ 3.94 ₹ 3.45 ₹ 2.96 ₹ 2.47 ₹ 1.97 ₹ 1.48 ₹ 0.99 ₹ 0.49
19 Depreciation ₹ 9.04 ₹ 8.12 ₹ 7.30 ₹ 6.56 ₹ 5.90 ₹ 5.30 ₹ 4.77 ₹ 4.29 ₹ 3.85 ₹ 3.47
20 Net Profit Before Tax ₹ -44.38 ₹ 34.77 ₹ 41.17 ₹ 48.02 ₹ 55.37 ₹ 63.30 ₹ 71.87 ₹ 81.16 ₹ 91.25 ₹ 102.24
21 Income Tax ₹ - ₹ 8.56 ₹ 10.48 ₹ 12.53 ₹ 14.74 ₹ 17.11 ₹ 19.68 ₹ 22.47 ₹ 25.50 ₹ 28.80
22 Net Profit After Tax ₹ -44.38 ₹ 26.21 ₹ 30.70 ₹ 35.49 ₹ 40.64 ₹ 46.18 ₹ 52.18 ₹ 58.68 ₹ 65.75 ₹ 73.44
23 Cash Profit (NPAT + Depreciation) ₹ -35.34 ₹ 34.34 ₹ 38.00 ₹ 42.05 ₹ 46.54 ₹ 51.49 ₹ 56.95 ₹ 62.97 ₹ 69.60 ₹ 76.91
| 19
Compiled by: Anuj Agrawal & Associates
Projected Balance Sheet

In Rs. Lakhs
LIABILITITES
Opening Capital of Proprietor ₹ 30.62 ₹ 36.24 ₹ 58.85 ₹ 84.15 ₹ 111.54 ₹ 140.02 ₹ 167.98 ₹ 192.82 ₹ 210.50 ₹ 214.74
Add: Current Year Profit ₹ -44.38 ₹ 26.21 ₹ 30.70 ₹ 35.49 ₹ 40.64 ₹ 46.18 ₹ 52.18 ₹ 58.68 ₹ 65.75 ₹ 73.44
Less: Drawings ₹ - ₹ 3.60 ₹ 5.40 ₹ 8.10 ₹ 12.15 ₹ 18.23 ₹ 27.34 ₹ 41.01 ₹ 61.51 ₹ 92.26
Subsidy from SIDBI ₹ 50.00
1 Closing Capital ₹ 36.24 ₹ 58.85 ₹ 84.15 ₹ 111.54 ₹ 140.02 ₹ 167.98 ₹ 192.82 ₹ 210.50 ₹ 214.74 ₹ 195.92
2 Term Loan from SBI ₹ 41.86 ₹ 37.21 ₹ 32.56 ₹ 27.91 ₹ 23.25 ₹ 18.60 ₹ 13.95 ₹ 9.30 ₹ 4.65 ₹ 0.00
3 Creditors ₹ 11.62 ₹ 2.03 ₹ 2.22 ₹ 2.43 ₹ 2.65 ₹ 2.90 ₹ 3.17 ₹ 3.47 ₹ 3.80 ₹ 4.15
A Total ₹ 89.72 ₹ 98.09 ₹ 118.92 ₹ 141.87 ₹ 165.93 ₹ 189.48 ₹ 209.95 ₹ 223.27 ₹ 223.19 ₹ 200.08
ASSETS
4 Gross Fixed Assets ₹ 27.11 ₹ 27.11 ₹ 27.11 ₹ 27.11 ₹ 27.11 ₹ 27.11 ₹ 27.11 ₹ 27.11 ₹ 27.11 ₹ 27.11
5 Fixed Live Stock ₹ 64.00 ₹ 64.00 ₹ 64.00 ₹ 64.00 ₹ 64.00 ₹ 64.00 ₹ 64.00 ₹ 64.00 ₹ 64.00 ₹ 64.00
Less: Accumulated Depreciation ₹ 9.04 ₹ 17.16 ₹ 24.46 ₹ 31.03 ₹ 36.93 ₹ 42.23 ₹ 47.00 ₹ 51.28 ₹ 55.14 ₹ 58.60
6 Net Fixed Assets ₹ 82.07 ₹ 73.94 ₹ 66.64 ₹ 60.08 ₹ 54.18 ₹ 48.88 ₹ 44.11 ₹ 39.82 ₹ 35.97 ₹ 32.50
7 Stock of Cattle Feed ₹ 0.78 ₹ 0.78 ₹ 0.86 ₹ 0.95 ₹ 1.04 ₹ 1.15 ₹ 1.26 ₹ 1.39 ₹ 1.53 ₹ 1.68
8 Debtors ₹ - ₹ 8.37 ₹ 9.20 ₹ 10.12 ₹ 11.14 ₹ 12.25 ₹ 13.48 ₹ 14.82 ₹ 16.31 ₹ 17.94
9 Cash & Bank Balances ₹ 6.87 ₹ 15.00 ₹ 42.22 ₹ 70.72 ₹ 99.57 ₹ 127.21 ₹ 151.10 ₹ 167.24 ₹ 169.39 ₹ 147.96
B Total ₹ 89.72 ₹ 98.09 ₹ 118.92 ₹ 141.87 ₹ 165.93 ₹ 189.48 ₹ 209.95 ₹ 223.27 ₹ 223.19 ₹ 200.08
| 20
Projected Cash Flow Statement

In Rs. Lakhs
A Cash Flow from Operating Activities
1 Net Profit After Tax ₹ -44.38 ₹ 26.21 ₹ 30.70 ₹ 35.49 ₹ 40.64 ₹ 46.18 ₹ 52.18 ₹ 58.68 ₹ 65.75 ₹ 73.44
Add:
2 Income Tax ₹ - ₹ 8.56 ₹ 10.48 ₹ 12.53 ₹ 14.74 ₹ 17.11 ₹ 19.68 ₹ 22.47 ₹ 25.50 ₹ 28.80
3 Depreciation ₹ 9.04 ₹ 8.12 ₹ 7.30 ₹ 6.56 ₹ 5.90 ₹ 5.30 ₹ 4.77 ₹ 4.29 ₹ 3.85 ₹ 3.47
4 Interest on Loans ₹ 7.09 ₹ 4.44 ₹ 3.94 ₹ 3.45 ₹ 2.96 ₹ 2.47 ₹ 1.97 ₹ 1.48 ₹ 0.99 ₹ 0.49
5 Operating Profit Before Working capital changes ₹ -28.25 ₹ 47.33 ₹ 52.42 ₹ 58.03 ₹ 64.23 ₹ 71.07 ₹ 78.61 ₹ 86.92 ₹ 96.09 ₹ 106.20
6 Changes in Working Capital

Increase/(Dercrease) in Creditors ₹ 11.62 ₹ -9.59 ₹ 0.19 ₹ 0.21 ₹ 0.23 ₹ 0.25 ₹ 0.27 ₹ 0.30 ₹ 0.33 ₹ 0.36
Decrease /(Increase) in Debtors ₹ - ₹ -8.37 ₹ -0.84 ₹ -0.92 ₹ -1.01 ₹ -1.11 ₹ -1.23 ₹ -1.35 ₹ -1.48 ₹ -1.63
Decrease /(Increase) in Stock ₹ -0.78 ₹ - ₹ -0.08 ₹ -0.09 ₹ -0.09 ₹ -0.10 ₹ -0.11 ₹ -0.13 ₹ -0.14 ₹ -0.15
7 Payment of Taxes ₹ - ₹ -8.56 ₹ -10.48 ₹ -12.53 ₹ -14.74 ₹ -17.11 ₹ -19.68 ₹ -22.47 ₹ -25.50 ₹ -28.80
8 Net Cash Flow from Operating Acitivities ₹ -17.41 ₹ 20.81 ₹ 41.21 ₹ 44.70 ₹ 48.61 ₹ 52.98 ₹ 57.85 ₹ 63.27 ₹ 69.30 ₹ 75.98
B Cash Flow from Investing Activities

9 Purchase of Fixed Assets ₹ -91.11 ₹ - ₹ - ₹ - ₹ - ₹ - ₹ - ₹ - ₹ - ₹ -
10 Net Cash Flow from Investing Activities ₹ -91.11 ₹ - ₹ - ₹ - ₹ - ₹ - ₹ - ₹ - ₹ - ₹ -
C Cash Flow from Financing Activities

11 Term Loan Financing ₹ 91.86 ₹ - ₹ - ₹ - ₹ - ₹ - ₹ - ₹ - ₹ - ₹ -
12 Promoter Contribution ₹ 30.62 ₹ - ₹ - ₹ - ₹ - ₹ - ₹ - ₹ - ₹ - ₹ -
13 Repayment of Term Loan ₹ -50.00 ₹ -4.65 ₹ -4.65 ₹ -4.65 ₹ -4.65 ₹ -4.65 ₹ -4.65 ₹ -4.65 ₹ -4.65 ₹ -4.65
14 Repayment of Interest ₹ -7.09 ₹ -4.44 ₹ -3.94 ₹ -3.45 ₹ -2.96 ₹ -2.47 ₹ -1.97 ₹ -1.48 ₹ -0.99 ₹ -0.49
15 Withdrawal By Proprietor ₹ - ₹ -3.60 ₹ -5.40 ₹ -8.10 ₹ -12.15 ₹ -18.23 ₹ -27.34 ₹ -41.01 ₹ -61.51 ₹ -92.26
16 SIDBI Subsidy ₹ 50.00 ₹ - ₹ - ₹ - ₹ - ₹ - ₹ - ₹ - ₹ - ₹ -
17 Net Cash Flow from Financing Activities ₹ 115.38 ₹ -12.69 ₹ -14.00 ₹ -16.20 ₹ -19.76 ₹ -25.34 ₹ -33.96 ₹ -47.14 ₹ -67.15 ₹ -97.41
18 Changes in Cash & Cash Equivalents ₹ 6.87 ₹ 8.13 ₹ 27.22 ₹ 28.50 ₹ 28.85 ₹ 27.64 ₹ 23.89 ₹ 16.14 ₹ 2.15 ₹ -21.43
19 Opening Cash & Cash Equivalents ₹ - ₹ 6.87 ₹ 15.00 ₹ 42.22 ₹ 70.72 ₹ 99.57 ₹ 127.21 ₹ 151.10 ₹ 167.24 ₹ 169.39
20 Closing Cash & Cash Equivalents ₹ 6.87 ₹ 15.00 ₹ 42.22 ₹ 70.72 ₹ 99.57 ₹ 127.21 ₹ 151.10 ₹ 167.24 ₹ 169.39 ₹ 147.96
| 21
Term Loan and Interest Schedule
1 Opening Balance ₹ - ₹ 41.86 ₹ 37.21 ₹ 32.56 ₹ 27.91 ₹ 23.25 ₹ 18.60 ₹ 13.95 ₹ 9.30 ₹ 4.65
2 Add: Loan Taken ₹ 91.86 ₹ - ₹ - ₹ - ₹ - ₹ - ₹ - ₹ - ₹ - ₹ -
3 Total ₹ 91.86 ₹ 41.86 ₹ 37.21 ₹ 32.56 ₹ 27.91 ₹ 23.25 ₹ 18.60 ₹ 13.95 ₹ 9.30 ₹ 4.65
4 Interest Charged on loan @10.06% ₹ 9.74 ₹ 9.74 ₹ 9.24 ₹ 8.75 ₹ 8.26 ₹ 7.77 ₹ 7.27 ₹ 6.78 ₹ 6.29 ₹ 5.79
5 Less: Interest on Subsidy Portion ₹ 2.64 ₹ 5.30 ₹ 5.30 ₹ 5.30 ₹ 5.30 ₹ 5.30 ₹ 5.30 ₹ 5.30 ₹ 5.30 ₹ 5.30
6 Net Interest to Pay ₹ 7.09 ₹ 4.44 ₹ 3.94 ₹ 3.45 ₹ 2.96 ₹ 2.47 ₹ 1.97 ₹ 1.48 ₹ 0.99 ₹ 0.49
7 Less: Interest Payment ₹ 7.09 ₹ 4.44 ₹ 3.94 ₹ 3.45 ₹ 2.96 ₹ 2.47 ₹ 1.97 ₹ 1.48 ₹ 0.99 ₹ 0.49
₹ 84.76 ₹ 37.42 ₹ 33.26 ₹ 29.11 ₹ 24.95 ₹ 20.79 ₹ 16.63 ₹ 12.47 ₹ 8.32 ₹ 4.16
8 Less: Loan Repayment ₹ - ₹ 4.65 ₹ 4.65 ₹ 4.65 ₹ 4.65 ₹ 4.65 ₹ 4.65 ₹ 4.65 ₹ 4.65 ₹ 4.65
(Repayment of loan in equal monthly
Installment of Rs. 38758/-)
9 Less: Subsidy ₹ 50.00 ₹ - ₹ - ₹ - ₹ - ₹ - ₹ - ₹ - ₹ - ₹ -
10 Closing Balance ₹ 41.86 ₹ 37.21 ₹ 32.56 ₹ 27.91 ₹ 23.25 ₹ 18.60 ₹ 13.95 ₹ 9.30 ₹ 4.65 ₹ 0.00
| 22
Debt- Service Coverage Ratio
1 Net Profit after Tax ₹ -44.38 ₹ 26.21 ₹ 30.70 ₹ 35.49 ₹ 40.64 ₹ 46.18 ₹ 52.18 ₹ 58.68 ₹ 65.75 ₹ 73.44
2 Depreciation ₹ 9.04 ₹ 8.12 ₹ 7.30 ₹ 6.56 ₹ 5.90 ₹ 5.30 ₹ 4.77 ₹ 4.29 ₹ 3.85 ₹ 3.47
A Total ₹ -28.25 ₹ 38.77 ₹ 41.94 ₹ 45.50 ₹ 49.49 ₹ 53.95 ₹ 58.92 ₹ 64.45 ₹ 70.59 ₹ 77.40
5 Repayment of Term Loan ₹ - ₹ 4.65 ₹ 4.65 ₹ 4.65 ₹ 4.65 ₹ 4.65 ₹ 4.65 ₹ 4.65 ₹ 4.65 ₹ 4.65
B Total ₹ 7.09 ₹ 9.09 ₹ 8.60 ₹ 8.10 ₹ 7.61 ₹ 7.12 ₹ 6.62 ₹ 6.13 ₹ 5.64 ₹ 5.14
C DSCR (A/B) -3.98 4.27 4.88 5.62 6.50 7.58 8.90 10.51 12.52 15.05
Avergae DSCR 7.18
Current Ratio
A Current Assets ₹ 7.65 ₹ 24.15 ₹ 52.28 ₹ 81.79 ₹ 111.75 ₹ 140.61 ₹ 165.84 ₹ 183.45 ₹ 187.22 ₹ 167.57
B Current Liabilities ₹ 11.62 ₹ 2.03 ₹ 2.22 ₹ 2.43 ₹ 2.65 ₹ 2.90 ₹ 3.17 ₹ 3.47 ₹ 3.80 ₹ 4.15
C Current Ratio (A/B) 0.66 11.89 23.56 33.72 42.15 48.50 52.30 52.89 49.33 40.34
Average Current Ratio 35.53
| 23
Break Even Point

In Rs. Lakhs
1 Gross Receipts ₹ - ₹ 100.41 ₹ 110.45 ₹ 121.49 ₹ 133.64 ₹ 147.01 ₹ 161.71 ₹ 177.88 ₹ 195.67 ₹ 215.23
Less: Variable Expenses

2 Cost of Animal Feed ₹ 19.05 ₹ 19.05 ₹ 20.95 ₹ 23.05 ₹ 25.35 ₹ 27.89 ₹ 30.68 ₹ 33.75 ₹ 37.12 ₹ 40.83
3 Wages & Salary ₹ 3.60 ₹ 3.60 ₹ 3.78 ₹ 3.97 ₹ 4.17 ₹ 4.38 ₹ 4.59 ₹ 4.82 ₹ 5.07 ₹ 5.32
4 Misc expenditure i.e vaccine, medicine ₹ 0.60 ₹ 1.73 ₹ 1.90 ₹ 2.09 ₹ 2.30 ₹ 2.53 ₹ 2.78 ₹ 3.06 ₹ 3.36 ₹ 3.70
5 Insurance of Animal ₹ - ₹ 3.13 ₹ 3.28 ₹ 3.45 ₹ 3.62 ₹ 3.80 ₹ 3.99 ₹ 4.19 ₹ 4.40 ₹ 4.62
6 Electricity and Water supply ₹ 5.00 ₹ 12.94 ₹ 14.23 ₹ 15.65 ₹ 17.22 ₹ 18.94 ₹ 20.84 ₹ 22.92 ₹ 25.21 ₹ 27.73
7 Annual Transportation cost ₹ - ₹ 1.50 ₹ 1.65 ₹ 1.82 ₹ 2.00 ₹ 2.20 ₹ 2.42 ₹ 2.66 ₹ 2.92 ₹ 3.22
8 Purchase of live Stock ₹ - ₹ 10.20 ₹ 11.22 ₹ 12.34 ₹ 13.58 ₹ 14.93 ₹ 16.43 ₹ 18.07 ₹ 19.88 ₹ 21.86
9 Total ₹ 28.25 ₹ 52.14 ₹ 57.01 ₹ 62.36 ₹ 68.23 ₹ 74.66 ₹ 81.72 ₹ 89.46 ₹ 97.96 ₹ 107.28
10 Contribution (in Rs.) ₹ -28.25 ₹ 48.27 ₹ 53.43 ₹ 59.13 ₹ 65.41 ₹ 72.35 ₹ 79.99 ₹ 88.42 ₹ 97.71 ₹ 107.95
11 Contribution (in %) NA 48.08% 48.38% 48.67% 48.95% 49.21% 49.47% 49.71% 49.94% 50.16%
Less: Fixed / Semi Variable Expenses

8 Repair & Maintanance ₹ - ₹ 0.54 ₹ 0.60 ₹ 0.66 ₹ 0.72 ₹ 0.79 ₹ 0.87 ₹ 0.96 ₹ 1.06 ₹ 1.16
9 Administrative Expenses ₹ - ₹ 0.25 ₹ 0.26 ₹ 0.28 ₹ 0.29 ₹ 0.30 ₹ 0.32 ₹ 0.34 ₹ 0.35 ₹ 0.37
10 Other Expenses ₹ - ₹ 0.15 ₹ 0.16 ₹ 0.17 ₹ 0.17 ₹ 0.18 ₹ 0.19 ₹ 0.20 ₹ 0.21 ₹ 0.22
11 Repairs & Maintenance ₹ - ₹ 0.25 ₹ 0.26 ₹ 0.28 ₹ 0.29 ₹ 0.30 ₹ 0.32 ₹ 0.34 ₹ 0.35 ₹ 0.37
13 Depreciation ₹ 9.04 ₹ 8.12 ₹ 7.30 ₹ 6.56 ₹ 5.90 ₹ 5.30 ₹ 4.77 ₹ 4.29 ₹ 3.85 ₹ 3.47
14 Total ₹ 16.13 ₹ 13.75 ₹ 12.52 ₹ 11.39 ₹ 10.33 ₹ 9.35 ₹ 8.44 ₹ 7.60 ₹ 6.81 ₹ 6.08
15 Break Even Point (in Rs.) NA ₹ 28.61 ₹ 25.89 ₹ 23.39 ₹ 21.11 ₹ 19.00 ₹ 17.07 ₹ 15.28 ₹ 13.64 ₹ 12.12
16 Break Even Point (in %) NA 28.49% 23.44% 19.26% 15.79% 12.93% 10.55% 8.59% 6.97% 5.63%
Average BEP 14.63%
| 24
Ratio Analysis
1 Revenue ₹ - ₹ 100.41 ₹ 110.45 ₹ 121.49 ₹ 133.64 ₹ 147.01 ₹ 161.71 ₹ 177.88 ₹ 195.67 ₹ 215.23
2 Operating Profit ₹ -28.25 ₹ 47.33 ₹ 52.42 ₹ 58.03 ₹ 64.23 ₹ 71.07 ₹ 78.61 ₹ 86.92 ₹ 96.09 ₹ 106.20
3 Gross Profit ₹ -28.25 ₹ 48.27 ₹ 53.43 ₹ 59.13 ₹ 65.41 ₹ 72.35 ₹ 79.99 ₹ 88.42 ₹ 97.71 ₹ 107.95
4 Net Profit before Tax ₹ -44.38 ₹ 34.77 ₹ 41.17 ₹ 48.02 ₹ 55.37 ₹ 63.30 ₹ 71.87 ₹ 81.16 ₹ 91.25 ₹ 102.24
5 Net Profit after Tax ₹ -44.38 ₹ 26.21 ₹ 30.70 ₹ 35.49 ₹ 40.64 ₹ 46.18 ₹ 52.18 ₹ 58.68 ₹ 65.75 ₹ 73.44
6 Net Worth ₹ 36.24 ₹ 58.85 ₹ 84.15 ₹ 111.54 ₹ 140.02 ₹ 167.98 ₹ 192.82 ₹ 210.50 ₹ 214.74 ₹ 195.92
7 Total Debt ₹ 41.86 ₹ 37.21 ₹ 32.56 ₹ 27.91 ₹ 23.25 ₹ 18.60 ₹ 13.95 ₹ 9.30 ₹ 4.65 ₹ 0.00
8 Total Outside Liabilities ₹ 53.48 ₹ 39.24 ₹ 34.78 ₹ 30.33 ₹ 25.91 ₹ 21.50 ₹ 17.12 ₹ 12.77 ₹ 8.45 ₹ 4.15
9 Total Liabilities ₹ 89.72 ₹ 98.09 ₹ 118.92 ₹ 141.87 ₹ 165.93 ₹ 189.48 ₹ 209.95 ₹ 223.27 ₹ 223.19 ₹ 200.08
10 Current Assets ₹ 7.65 ₹ 24.15 ₹ 52.28 ₹ 81.79 ₹ 111.75 ₹ 140.61 ₹ 165.84 ₹ 183.45 ₹ 187.22 ₹ 167.57
11 Current Liabilities ₹ 11.62 ₹ 2.03 ₹ 2.22 ₹ 2.43 ₹ 2.65 ₹ 2.90 ₹ 3.17 ₹ 3.47 ₹ 3.80 ₹ 4.15
12 Cash Profit ₹ -35.34 ₹ 34.34 ₹ 38.00 ₹ 42.05 ₹ 46.54 ₹ 51.49 ₹ 56.95 ₹ 62.97 ₹ 69.60 ₹ 76.91
Calculation of Ratios
1 Gross Profit Ratio 0.00% 48.08% 48.38% 48.67% 48.95% 49.21% 49.47% 49.71% 49.94% 50.16%
2 Net Profit before Tax Ratio 0.00% 34.63% 37.28% 39.53% 41.43% 43.06% 44.44% 45.62% 46.64% 47.50%
3 Net Profit after Tax Ratio 0.00% 26.11% 27.79% 29.21% 30.41% 31.42% 32.27% 32.99% 33.60% 34.12%
4 Return on Net Worth -122.48% 44.54% 36.48% 31.82% 29.02% 27.49% 27.06% 27.88% 30.62% 37.49%
5 Return on Investments -56.83% 27.29% 26.30% 25.45% 24.89% 24.75% 25.24% 26.70% 29.97% 37.49%
6 Debt Equity Ratio 1.16 0.63 0.39 0.25 0.17 0.11 0.07 0.04 0.02 0.00
7 Total Outside Liabilities/ Total Net Worth 1.48 0.67 0.41 0.27 0.19 0.13 0.09 0.06 0.04 0.02
8 Net Worth/ Total Liabilities 40.39% 60.00% 70.76% 78.62% 84.39% 88.65% 91.84% 94.28% 96.22% 97.92%
9 Debt-Service Coverage Ratio -3.98 4.27 4.88 5.62 6.50 7.58 8.90 10.51 12.52 15.05
10 Current Ratio 0.66 11.89 23.56 33.72 42.15 48.50 52.30 52.89 49.33 40.34
| 25
Term Loan Repayment Schedule
Opening Closing Interest on Net

Year Balance Repayment Balance Interest Subsidy Interest
Year 1 ₹ 91.86 ₹ - ₹ 91.86 ₹ 9.74 ₹ 2.64 ₹ 7.09
Year 2 ₹ 91.86 ₹ 4.65 ₹ 87.21 ₹ 9.74 ₹ 5.30 ₹ 4.44
Year 3 ₹ 87.21 ₹ 4.65 ₹ 82.56 ₹ 9.24 ₹ 5.30 ₹ 3.94
Year 4 ₹ 82.56 ₹ 4.65 ₹ 77.91 ₹ 8.75 ₹ 5.30 ₹ 3.45
Year 5 ₹ 77.91 ₹ 4.65 ₹ 73.25 ₹ 8.26 ₹ 5.30 ₹ 2.96
Year 6 ₹ 73.25 ₹ 4.65 ₹ 68.60 ₹ 7.77 ₹ 5.30 ₹ 2.47
Year 7 ₹ 68.60 ₹ 4.65 ₹ 63.95 ₹ 7.27 ₹ 5.30 ₹ 1.97
Year 8 ₹ 63.95 ₹ 4.65 ₹ 59.30 ₹ 6.78 ₹ 5.30 ₹ 1.48
Year 9 ₹ 59.30 ₹ 4.65 ₹ 54.65 ₹ 6.29 ₹ 5.30 ₹ 0.99
Year 10 ₹ 54.65 ₹ 4.65 ₹ 50.00 ₹ 5.79 ₹ 5.30 ₹ 0.49
Subsidy ₹ 50.00 ₹ 50.00 ₹ - ₹ - ₹ - ₹ -
| 26
Income Tax Calculation
1 Net Profit Before Tax -44.38 34.77 41.17 48.02 55.37 63.30 71.87 81.16 91.25 102.24
Add: Depreciation in
2 Books 9.04 8.12 7.30 6.56 5.90 5.30 4.77 4.29 3.85 3.47
Less: Depreciation as
3 per Income Tax 9.04 8.12 7.30 6.56 5.90 5.30 4.77 4.29 3.85 3.47
4 Gross Taxable Income -44.38 34.77 41.17 48.02 55.37 63.30 71.87 81.16 91.25 102.24
5 Net Taxable Income -44.38 34.77 41.17 48.02 55.37 63.30 71.87 81.16 91.25 102.24
6 Income Tax 0.00 8.56 10.48 12.53 14.74 17.11 19.68 22.47 25.50 28.80
Depreciation
S. No. Particulars Rate Cost Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10
Written Down Method
1 Construction Shed 10% 25.53 2.55 2.30 2.07 1.86 1.68 1.51 1.36 1.22 1.10 0.99
2 Machineries & Tools 15% 0.98 0.15 0.12 0.11 0.09 0.08 0.06 0.06 0.05 0.04 0.03
3 Water & Electric Infrastructure 15% 0.60 0.09 0.08 0.07 0.06 0.05 0.04 0.03 0.03 0.02 0.02
4 Livestock 10% 62.50 6.25 5.63 5.06 4.56 4.10 3.69 3.32 2.99 2.69 2.42
5 Depreciation 27.11 9.04 8.12 7.30 6.56 5.90 5.30 4.77 4.29 3.85 3.47
6 Accumulated Depreciation 9.04 17.16 24.46 31.03 36.93 42.23 47.00 51.28 55.14 58.60
| 27

COMPREHENSIVE PROJECT REPORT of M/s Apoorva Goats Farms

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COMPREHENSIVE PROJECT REPORT of M/s Apoorva Goats Farms

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COMPREHENSIVE PROJECT REPORT

National Livestock Mission under Department of Animal

Prepared by: ANUJ AGRAWAL & ASSOCIATES

Submitted by: Submitted to:

2 Compiled by: Anuj Agrawal & Associates

CREDIT FACILITY SCHEME

STAND UP INDIA (SUI)

CREDIT GUARANTEE SCHEME FOR STAND-UP INDIA (CGSSI)

MOU BETWEEN SBI & DICCI

3 Compiled by: Anuj Agrawal & Associates

II. NATURE OF PROJECT & OPERATIONS:

III. THE PROFITABLE OBJECTS OF PROJECT:

IV. TYPES OF BREEDS:

4 Compiled by: Anuj Agrawal & Associates

The other goat breeds, which can be used. Are as follows:

1. Jumunapri 2. Beetal 3. Barbari 4. Gakhrana 5. Sirohi

V. MARKET POTENTIAL & SKILL ARRANGEMENTS:

VI. FEEDING & MANAGEMENT

TREE LEAVES Bargat, Peepal, Deshi Babool, Jamun, Neem, Bair,

CROPS Maize, Jwar, Bajra, Berseem, Lucern, Oats etc.

5 Compiled by: Anuj Agrawal & Associates

 Bring together all SC-ST entrepreneurs under one umbrella,

6 Compiled by: Anuj Agrawal & Associates

The applicant is a member of DICCI.

PROPOSED HANDHOLDING SUPPORT SYSTEM BY DICCI

Documentation and financial management:

Software and app Development:

7 Compiled by: Anuj Agrawal & Associates

Sr. No. Particulars Details

8 Compiled by: Anuj Agrawal & Associates

A FIXED CAPITAL COST -

Does (Female Goat) 500 12,000 6,000,000

Bucks (Male Goat) 25 10,000 250,000

Construction of shed cost for Kids 6,000 180 1,080,000

Total Fixed Capital Cost 8,960,500

B WORKING CAPITAL COST

Total Working Capital Cost 3,287,350

Total Project Cost 12,247,850

9 Compiled by: Anuj Agrawal & Associates

Sr. No. Particulars Percent Amount

1 Towards Setting up of Business & Commencement

Eligibile Amount (Lower of Above) 5,000,000

SBI Corporate office e-mail on

10 Compiled by: Anuj Agrawal & Associates

11 Compiled by: Anuj Agrawal & Associates

12 Compiled by: Anuj Agrawal & Associates

No need for diversion

13 Compiled by: Anuj Agrawal & Associates

14 Compiled by: Anuj Agrawal & Associates

15 Compiled by: Anuj Agrawal & Associates

16 Compiled by: Anuj Agrawal & Associates

BASIS OF ESTIMATION OF INCOMES AND EXPENSES

1. Techno-economic Parameters and Cost of Purchase of Live Stock

2 Does (Female Goat) Nos 500 12,000.00 6,000,000.00

TOTAL PURCHASE COST 6,250,000.00

2. Cost of Construction of shed

1 Space requirement for doe Sq.ft 15 7,500 180.00 1,350,000.00

TOTAL COST OF CONSTRUCTION OF SHED 14,153 2,553,000.00

3. Cost of Purchase of Machinery, Equipment, Electric Instalation, Water Distribution, etc.

TOTAL COST OF MACHINERY, EQUIPMENT, ELECTRIC INSTATION ETC. 526 157,500.00