ON

GARMENTS BUSINESS

OF
PMEGP

UNDER
DIC, DHALAI

Submitted By
NAME SRI RANJIT PAUL
FATHER’S NAME SRI BANAMALI PAUL
ADDRESS VILL-DALUBARI
PO+ PS AMBASSA, SUBDIVISION-AMBASSA
DISTRICT DHALAI, TRIPUIRA, PIN NO- 799289
CONTACT NO 9436537487

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 HIGHLIGHT OF THE PROJECT SUMMERY

1 Name of the Activity : GARMENTS BUSINESS

2 Name of the Entrepreneur : Sri Ranjit Paul
3 Father’s Name` : Sri Banamali Paul
4 Address of applicant : Vill-Dalubari, Po+ps-Ambassa, Subdision-
(Parmanent/present) Ambassa, Dhalai, Tripura-799289
5 Location of the proposed unit : Dalubari
6 Cast : OBC
7 Qualification : 6th passed
8 Date of birth : 10-01-1974
9 Aadhar No : 4854-2156-7118
10 Pan card No : CWIPP0820R
11 Contact No : 9436537487
12 Technical qualification & other : Nil
13 Experience : 10years of this business
14 Employment potential : 01 nos
15 Proposed bank : TSCB BANK, Ambassa Branch
16 IFSC Code : ICIC00TSCBL
16 Repayment Method : As per bank norms or 5years
18 Total project cost:- : Rs. 5,00,000.00
a) Working capital : Rs.4,00,000.00
b) Fixed capital : Rs.1,00,000.00
19 Source of fund:-
a) Own contribution (5%) : Rs. 25,000.00
b) Bank loan under : Rs.4,75,000.00
swabalamban scheme
20 Address of raw materials : Agartala,& Kolkata, Guwahati
21 Cost of production (PA) : Rs.10,00,000.00
22 Turn Over (PA) : Rs.13,00,000.00
23 B.E.P : 40%
24 Net profit on sale (%) : 20%-30%

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 PROJECT REPORT
ON
GARMENTS BUSINESS

INTRODUCTION:
The business of garments is now a developed business in its own right
people inclination towards the readymade cloths is rising day by day. This inclination
can be attributed to their busy schedules and the attractive designs asc well as
variety in the readymade cloths. Although there is a considerable big range under
readymade cloths but here we shall deal with children wear and gents pant-shirts.
Market of such cloths is quite wide and materials required for making such clothes is
also not a problem even on local level.
MARKET POTENTIAL:
The marketing of any product is the decision making factor of the
existence of the unit and on considering that the promoter has taken all the possible
ways for marketing such as direct sales and personal contacts etc. In fact the
promoter had made a wide network of marketing for the last one year and is
capable for the forthcoming years also. The marketing area is concentrated in retail
shops of small towns and there are a number of dealers through which the product
can be sold. Most care will be taken in the change of fashion and trends as they are
much affected in the field of ready-made garments.
ASSUMPTION
It is assumed that there will not be any major increase in the rate of
raw material and any major changes in prices will be compensated with
corresponding change in product.
CONCLUSION
On revealing the various aspects of the project and studying the
financial & technical features of the scheme it can easily be noted that the above
project will be a great success. The economics of the project is detailed as follows.

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 FINANCIAL ASPECT
Subsidy
@ Rs. 35% will be charged on total project cost /sanction Amount
as per PMEGP norms.

A. Fixed Expenditure : Rs.1,00,000.00

1. Cost of Electric wiring, Fan, Tube : Rs. 1000.00

Bulb, etc.
2. Miss. Expenses
Furniture, counter, chair, table, rack, etc. would be required for the shop, the expected expenditure
over which would be around :
Rs.70,000.00.
3. Expenses over the decoration of the shop : Rs. 30,000.00
4. THUS THE TOTAL FIXED CAPITAL RS.1,00,000.00
(1+2+3 of A)

B. Working Capital

1. RAW MATERIALS : Rs.3,87,600.00

[Eg. Jeans pants (for men/women/children), Gabardine pants (for men/women
/children)All kinds pants (for men/women/children), all kinds shirts (for men/women
/children), Baba suits(for men/women/children), Frock (for men/women/children),
Jeans pants (for men/women/children)Tricots shirts (for men/women/children),
Cotton pants (for men/women/children), T-shirts (for men/women/children)
Pyjama-kurta (for men/women/children), Socks (for men/women/children),
Handkerchief, Ladies gowns (for men/women/children), Ladies suits (for men/women
/children), other garments items]

2. MANPOWER FOR ONE MONTH:

i. Manager cum Supervisor : SELF
ii. Skilled sell man 1No. @ Rs.3,000/- : Rs. 3,000.00
3. Shad & building (PM) (Rented) : Rs. 3000.00

a) Transportation : Rs. 2000.00

b) Insurance : Rs. 400.00
c) Advertisement : Rs. 3000.00
d) Power : Rs. 1000.00

Total- Rs. 12400.00

Thus, total working capital Rs.4,00,000.00

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 TOTAL EXPENDITURE OF THE PROJECT
a) NON-RECURRUNG EXPENDITURE : Rs.1,00,000.00
b) RECURRING EXPENDITURE : Rs. 4,00,000.00

MEANCE OF FINANCE
a) Own Contribution 5% : Rs. 25,000.00
b) Bank Loan under PMEGP @ 95% : Rs.4,75,000.00
………………………………
Total – Rs.5,00,000.00
COST OF PRODUCTION (PER ANNUMN)
a) Raw materials : Rs. 100900.00
b) Man power for 12 month : Rs. 36,000.00
c) Other expenses for 12 month : Rs. 3,200.00
d) Depreciation on fixed assets @ 20% : Rs. 1,000.00
e) Interest on loan @ 12% : Rs. 36,000.00
….………………………….
Total- Rs.9,75,300/-

SALE REALIZATION (PER ANNUMN)

Turnover per year Total: 12,00,000.00
PROFITABILITY ACCOUNT (P.A):

SALE REVENUE COST OF PRODUCTION OPERATING PROFIT

RS.12,00,000.00 RS.9,75,300 RS.2,24,700.00

*Operating profit : Rs.2,24,700.00

*IT payable : Rs.00.00
*Net Profit : Rs.2,24,700.00

% of profit on sale : profit X 100

………………………………
Sale
224700 X 100
…..……………………….
1200000

= 25%
BREAKING EVEN POINT ANALYSIS
(Compound on Fixed Cost)
a. 12% of labour cost : Rs.36,000.00
b. 10% of other expenses : Rs. 3,200.00
c. Total depreciation : Rs. 1,000.00
d. Interest : Rs.36000.00
……………………………
Total – Rs. 76,200.00

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Thus, B.E.P = Fixed Cost x 100
------------------------------
Fixed Cost + Profit

76200 x100
= -------------------------------
76200+224700

= 20% (on operation)

INTEREST CALCULATION & REPAYMENT SCHEDULE

*Rate of Interest : @ 12% P.A

*Repayment Period : 5 Years
*Moratorium : Nil
Amortization Schedule Rs.4,75,000.00
0.00

Year Repayment interest Principal Balance

1st Year 134,004.76 60,241.89 73,762.87 401,237.13

2nd Year 134,004.76 50,886.91 83,117.85 318,119.28
3rd Year 134,004.76 40,345.49 93,659.27 224,460.01
4th Year 134,004.76 28,467.15 105,537.61 118,922.40
5th Year 134,004.74 15,082.34 118,922.40 0.00

Note: Particulars Capacity Utilization (Rs in '000)

1. All figures mentioned above are only indicative.
2. If the investment on Building is replaced by Rental then
a. Total Cost of Project will be reduced.
b. Profitability will be increased.
c. Interest on C.E.will be reduced

Submitted by
NAME : SRI RANJIT PAUL
FATHER’S NAME : BANAMALI PAUL
ADDRESS : DALUBARI. PO+PS-AMBASSA,
DHALAI, TRIPURA- 799289
MOBILE NO - 9436537487

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