8 Name of the project / business activity proposed :

SUMAN DEVI FLOUR MILL

Legal Status:

Land 4000 sq/mt

BUILDING DETAILS
Particulars Area Rate/Sq.ft Amount in Rs.
Cements 450000.00
Material (Bricks, dust,rodi etc) 1650000.00
Instalation Profile sheet on Godown 5400 425000.00
Instalation Chakki plant 760000.00
Civil Works Expenses 575000.00
Iron Chennal & MS sheet 2750000.00

Total 6610000.00

MACHINERY DETAILS
Particulars Qty. Rate Amount in Rs.
Drum Sleaves 1 206000.00 206000.00
Seprator Cyclone with blower 1 377600.00 377600.00
Vivro Deatoner with Blower 1 377600.00 377600.00
Dampener with Motor 1 318600.00 318600.00
Emery Roll with motor 1 224200.00 224200.00
4x14 Plant Shifter 1 324500.00 324500.00
High Pressure Fan 20HP 1 259600.00 259600.00
Duck aspiration chaneel 1 112100.00 112100.00
Pouch Packing Machine 1 1534000.00 1534000.00
Weight Machine Kanta 1 1062000.00 1062000.00
Scew conveyor 8' 20'' 2 64900.00 129800.00
5'' Bucket Elevator@33 foot 1 89562.00 89562.00
5'' Bucket Elevator@25 foot 3 67850.00 203550.00
Pneumatic set with Accessories 5 70800.00 354000.00
Chakki 24'' with motor 7 165200.00 1156400.00
Chakki Parts( pipe t ,ring, kali,divider,megnate) 94400.00 94400.00

Total 6823912.00

d. Preliminary & Pre-operative Cost : 200000.00

e. Furniture & Fixtures : 400000.00

f. Contingency/Others/Miscellaneous : 50000.00

Working Capital : 650000.00

 Means of Financing

Own Contribution : 5%
Bank Finance : 95%
Margin Money (Govt. Subsidy) : 35%

DETAILS OF SALES
Rate/ Qantity Amount in Rs.
Particulars of Products
Unit
50 Kg Aata Beg 3400.00 2500 8500000.00
10 kg Aata Beg 3450.00 3500 12075000.00
5 kg Aata Beg 3500.00 3000 10500000.00
44 kg Chookar 3300.00 1600 5280000.00
0.00
0.00
0.00

Total 36355000.00

RAW MATERIALS
Particulars Unit Rate/Unit Reqd. Unit Amount In Rs.
Wheat Quintal 2500.00 9000 22500000.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Total 22500000.00

WAGES
No. of Wages Per Month Amount in Rs.
Particulars
Worker Total Month 12
Men 8 12000.00 1152000.00
Women 2 12000.00 288000.00
Supervisor 2 15000.00 360000.00
Operator 2 15000.00 360000.00
Miller 2 25000.00 600000.00
0.00
Total 16 2760000.00

SALARY DETAILS
No. of Wages Per Month Amount in Rs.
Particulars
Staff Total Month 12
Salesman 4 20000.00 960000.00
Helper 6 12000.00 864000.00
0.00
0.00
0.00
Total 10 1824000.00

WORKING CAPITAL ESTIMATE

Element of Working Capital No. of Days
8

Stock in process 10

Finished goods 10

Receivable by 15

POWER ESTIMATE
Power Requirement 150 KW

Repair and Maintanance Rs. 80000.00

Power and Fuel Rs. 1500000.00

Other Overhead Expenses Rs. 300000.00

Telephone Expenses Rs. 60000.00

Stationery & Postage Rs. 50000.00

Advertisement & Publicity Rs. 500000.00

Building Rent Rs. 0.00

Other Miscelleneous Expenditure Rs. 20000.00

Rate of Interest 12.00%

Depreciation
On Building 10.00%
On Machinery 15.00%
INTRODUCTION
Whole wheat flour is used in making Chapaties, Puries, Parotha and other roasted cereal based
products. Wheat flour or Maida is a basic raw material for making Bread, Biscuits Cakes and
other bakery products. Sooji / Rava is used in many sweetmeat products. Bran separated on
milling is used as cattle feed. The products sold under brand names are very few. The concept for
branded cereal flour products is now increasing. The big giants like Hindustan Lever, NEPC Agro,
Nirma etc. have jumped in to this lucrative industry. Indian packaged wheat flour market growing
at 19% to touch Rs 15,500 cr. by 2019-20.
According to IKON’s estimate, the packaged wheat flour market in India is growing at whooping
CAGR of almost 19% since past three years. If the growth trajectory remains the same, market
may likely to touch the new height of more than Rs 7500 crore in current fiscal (2015-16) itself. In
terms of volume,the packaged wheat flour market in India was more than 2,200 thousand tons
during last fiscal 2014-15,growing at healthy double digit CAGR of 15% over the past three years.

ABOUT THE PROMOTER

My Name is Rammahar S/o Braham Singh Resident of H.No-109 , Village -Mansura,Post Jhinjhana, District
Shamli,UP. I Graduated From CCS University & Pursuing Post Graduation MA in English from MSU University. I
want to do Flour Business and earn Income with Generated 21 Employement in my area. I have 3 year experience
in Marketing Sector and 2 year in Flour Business Sector. My Background From Farmer Community and Well know
all about this business Process and Startegies .
 DETAILED PROJECT REPORT
1 INTRODUCTION :

Whole wheat flour is used in making Chapaties, Puries, Parotha and other roasted cereal based products. Wheat flour
or Maida is a basic raw material for making Bread, Biscuits Cakes and other bakery products. Sooji / Rava is used
many sweetmeat products. Bran separated on milling is used as cattle feed. The products sold under brand names are
very few. The concept for branded cereal flour products is now increasing. The big giants like Hindustan Lever, NEPC
Agro, Nirma etc. have jumped in to this lucrative industry. Indian packaged wheat flour market growing at 19%
touch Rs 15,500 cr. by 2019-20.
According to IKON’s estimate, the packaged wheat flour market in India is growing at whooping CAGR of almost 19%
since past three years. If the growth trajectory remains the same, market may likely to touch the new height of more
than Rs 7500 crore in current fiscal (2015-16) itself. In terms of volume,the packaged wheat flour market in India was
more than 2,200 thousand tons during last fiscal 2014-15,growing at healthy double digit CAGR of 15% over the past
three years.

2 ABOUT THE PROMOTER :

My Name is Rammahar S/o Braham Singh Resident of H.No-109 , Village -Mansura,Post Jhinjhana, District Shamli,UP.
Graduated From CCS University & Pursuing Post Graduation MA in English from MSU University. I want to do Flour
Business and earn Income with Generated 21 Employement in my area. I have 3 year experience in Marketing Sector
and 2 year in Flour Business Sector. My Background From Farmer Community and Well know all about this business
Process and Startegies .

3 COST OF PROJECT
A. Fixed Capital Investment
a. Land : 4000 sq/mt Own

b. Workshed Area Sq.ft Rate in Rs. Amt. In Rs.

Cements 0 0.00 450000.00
Material (Bricks, dust,rodi etc) 0 0.00 1650000.00
Instalation Profile sheet on Godown 5400 0.00 425000.00
Instalation Chakki plant 0 0.00 760000.00
Civil Works Expenses 0 0.00 575000.00
Iron Chennal & MS sheet 0 0.00 2750000.00
Total 6610000.00
#REF!
C. Machinery Qty. Rate Amount in Rs.
Drum Sleaves 1 206000.00 206000.00
Seprator Cyclone with blower 1 377600.00 377600.00
Vivro Deatoner with Blower 1 377600.00 377600.00
Dampener with Motor 1 318600.00 318600.00
Emery Roll with motor 1 224200.00 224200.00
4x14 Plant Shifter 1 324500.00 324500.00
High Pressure Fan 20HP 1 259600.00 259600.00
Duck aspiration chaneel 1 112100.00 112100.00
Pouch Packing Machine 1 1534000.00 1534000.00
Weight Machine Kanta 1 1062000.00 1062000.00
Scew conveyor 8' 20'' 2 64900.00 129800.00
0 0 0.00 0.00
Total 6823912.00

PMEGP Project Report Page 2

 d. Preliminary & Pre-operative Cost : Rs. 200000.00

e. Furniture & Fixtures : Rs. 400000.00

f. Contingency/Others/Miscellaneous : Rs. 50000.00

Total Capital Expenditure : Rs. 14083912.00

Working Capital : Rs. 3970834.00

Total Cost Project : Rs. 18054746.00

3.1 Means of Financing :

Own Contribution 5% Rs. 902737.00

Bank Finance : 95%

Term Loan Rs. 13379716.00
Working Capital Rs. 3772292.00

Total Rs. 17152008.00

Margin Money (Govt. Subsidy) From KVIC 35% Rs.

Margin Money Subsidy received From KVIC will be kept in term deposit as per norms of
PMEGP in the name of Beneficiary for three years in the financing branch.

3.2 STATEMENT SHOWING THE REPAYMENT OF TERM LOAN & WORKING CAPITAL :
TERM LOAN

Interest @
Year Opening Balance Installment Closing Balance
12.00%
1st 13379716 0 13379716 1605566
2nd 13379716 2675943 10703773 1605566
3rd 10703773 2675943 8027830 1284453
4th 8027830 2675943 5351886 963340
5th 5351886 2675943 2675943 642226
6th 2675943 2675943 0 321113
7th 0 0 0 0
8th 0 0 0 0

WORKING CAPITAL

Interest @
Year Opening Balance Installment Closing Balance
12.00%
1st 3772292 0 3772292 452675
2nd 3772292 754458 3017834 452675
3rd 3017834 754458 2263375 362140
4th 2263375 754458 1508917 271605
5th 1508917 754458 754458 181070
6th 754458 754458 0 90535
7th 0 754458 0 0
8th 0 0 0 0

PMEGP Project Report Page 3

 3.3 STATEMENT SHOWING THE DEPRECIATION ON FIXED ASSETS:
WORKSHED @ 10.00%
Particulars 1st Year 2nd Year 3rd Year 4th Year 5th Year
Opening Balance 6610000 5949000 5354100 4818690 4336821
Depreciation 661000 594900 535410 481869 433682
Closing Balance 5949000 5354100 4818690 4336821 3903139
MACHINERY @ 15.00%
Opening Balance 6823912 5800325 4930276 4190735 3562125
Depreciation 1023587 870049 739541 628610 534319
Closing Balance 5800325 4930276 4190735 3562125 3027806
TOTAL DEPRECIATION
Workshed 661000 594900 535410 481869 433682
Machinery 1023587 870049 739541 628610 534319
Total 1684587 1464949 1274951 1110479 968001

4 Schedule of Sales Realization :

4.1 Details of Sales
Rate/ No. of Amount in Rs.
Particulars of Product
Pair/Unit Pair/Unit

50 Kg Aata Beg 3400.00 2500 8500000.00

10 kg Aata Beg 3450.00 3500 12075000.00
5 kg Aata Beg 3500.00 3000 10500000.00
44 kg Chookar 3300.00 1600 5280000.00
0 0.00 0 0.00
0 0.00 0 0.00
0 0.00 0 0.00
Total 36355000.00

4.2 Capacity Utilization of Sales

Particulars 1st Year 2nd Year 3rd Year 4th Year 5th Year

Capacity Utilization 70% 80% 90% 90% 90%

Sales / Receipts 25448500 29084000 32719500 32719500 32719500

5 Rawmaterials :
Particulars Unit Rate/unit Reqd.Unit Amount in Rs.
Wheat Quintal 2500.00 9000 22500000.00
0 0 0.00 0 0.00
0 0 0.00 0 0.00
0 0 0.00 0 0.00
0 0 0.00 0 0.00
0 0 0.00 0 0.00
0 0 0.00 0 0.00
0 0 0.00 0 0.00
0 0 0.00 0 0.00
Total 22500000.00
5.1 Wages :
No. of Wages Amount in Rs.
Particulars
Worker Per Month (Per Annum)
Men 8 12000.00 1152000.00
Women 2 12000.00 288000.00
Supervisor 2 15000.00 360000.00
Operator 2 15000.00 360000.00
Miller 2 25000.00 600000.00
0 0 0.00 0.00
Total 16 2760000.00

5.2 Repairs and Maintenance : Rs. 80000.00

PMEGP Project Report Page 4

 5.3 Power and Fuel : Rs. 1500000.00

5.4 Other Overhead Expenses : Rs. 300000.00

6 Administrative Expenses :
6.1 Salary
Salesman 4 20000.00 960000.00
Helper 6 12000.00 864000.00
0 0 0.00 0.00
0 0.00 0.00
0 0.00 0.00
Total 10 1824000.00

6.2 Telephone Expenses 60000.00

6.4 Stationery & Postage 50000.00

6.5 Advertisement & Publicity 500000.00

6.6 Workshed Rent 0.00

6.7 Other Miscellaneous Expenses 20000.00

Total 2454000.00
7 Capacity Utilization of Manufacturing & Administrative Expenses :
Particulars 1st Year 2nd Year 3rd Year 4th Year 5th Year
Capacity Utilization 70% 80% 90% 90% 90%
Manufacturing Expenses
Rawmaterials 15750000 18000000 20250000 20250000 20250000
Wages 1932000 2208000 2484000 2484000 2484000
Repairs & Maintenance 56000 64000 72000 72000 72000
Power & Fuel 1050000 1200000 1350000 1350000 1350000
Other Overhead Expenses 210000 240000 270000 270000 270000
Administrative Expenses
Salary 1824000 1824000 1824000 1824000 1824000
Postage Telephone Expenses 42000 48000 54000 54000 54000
Stationery & Postage 35000 40000 45000 45000 45000
Advertisement & Publicity 350000 400000 450000 450000 450000
Workshed Rent 0 0 0 0 0
Other Miscellaneous Expenses 14000 16000 18000 18000 18000
Total: 21263000 24040000 26817000 26817000 26817000
8 Assessment of Working Capital :
Particulars Amount in Rs.
Sale 36355000.00

Manufacturing Expenses
Raw Material 22500000.00
Wages 2760000.00
Repair & Maintenance 80000.00
Power & Fuel 1500000.00
Other Overhead Expenses 300000.00

Production Cost 27140000.00

Administrative Cost 2454000.00
Manufacturing Cost 29594000.00

PMEGP Project Report Page 5

 Working Capital Estimate :
Element of Working Capital No of Days Basis Amount in Rs.
0 8 Material Cost 600000.00

Stock in process 10 Production Cost 904667.00

Finished goods 10 Manufacturing Cost 986467.00

Receivable by 15 Manufacturing Cost 1479700.00

Total Working Capital Requirement Per Cycle 3970834.00

9 Financial Analysis
9.1 Projected Profit & Loss Account :
Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
Sales / Receipts 25448500 29084000 32719500 32719500
25448500 29084000 32719500 32719500
Manufacturing Expenses
Rawmaterials 15750000 18000000 20250000 20250000
Wages 1932000 2208000 2484000 2484000
Repairs & Maintenance 56000 64000 72000 72000
Power & Fuel 1050000 1200000 1350000 1350000
Other Overhead Expenses 210000 240000 270000 270000
Depreciation 1684587 1464949 1274951 1110479
Production Cost 20682587 23176949 25700951 25536479
Administrative Expenses
Salary 1824000 1915200 2010960 2111508
Postage Telephone Expenses 42000 48000 54000 54000
Stationery & Postage 35000 40000 45000 45000
Advertisement & Publicity 350000 400000 450000 450000
Workshed Rent 0 0 0 0
Other Miscellaneous Expenses 14000 16000 18000 18000
Administrative Cost 2265000 2419200 2577960 2678508
Interest on Bank credit @ 12%
Term Loan 1605566 1605566 1284453 963340
Working Capital Loan 452675 452675 362140 271605
Cost of Sale 25005828 27654390 29925504 29449932
Net Profit Before Tax 442672 1429610 2793996 3269568
Less Tax 0.00 0.00 0.00 0.00
Net Profit 442672 1429610 2793996 3269568

9.2 CALCULATION OF DEBT SERVICE CREDIT RATIO (D.S.C.R) :

Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
Net Profit 442672 1429610 2793996 3269568
Add :
Depreciation 1684587 1464949 1274951 1110479
TOTAL - A 2127259 2894559 4068947 4380047
Payments :
On Term Loan :
Interest 1605566 1605566 1284453 963340
Installment 0 2675943 2675943 2675943
On Working Capital
Interest 452675 452675 362140 271605
TOTAL - B 2058241 4734184 4322536 3910888
D.S.C.R = A/B
1.03 0.61 0.94 1.12
Average D.S.C.R

PMEGP Project Report Page 6

 9.3 PROJECTED BALANCE SHEET :
Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
LIABILITIES :
Promoters Capital 902737 902737 902737 902737
Profit 442672 1429610 2793996 3269568
Term Loan 13379716 13379716 10703773 8027830
Working Capital Loan 3772292 3772292 3017834 2263375
Current Liabilities 0 0 0 0
Sundry Creditors 0 0 0 0
18497417 19484355 17418339 14463510
ASSETS :
Gross Fixed Assets : 13833912 12149325 10684376 9409425
Less : Depreciation 1684587 1464949 1274951 1110479
Net Fixed Assets 12149325 10684376 9409425 8298946
Preliminary & Pre-Op. Expenses 200000 150000 112500 84375
Current Assets 3772292 3772292 3017834 2263375
Cash in Bank/Hand 2575800 5027687 4991081 3901189
Total 18497417 19484355 17418339 14463510

9.4 CASH FLOW STATEMENT :

Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
Net Profit 442672 1429610 2793996 3269568
Add : Depreciation 1684587 1464949 1274951 1110479
Term Loan 13379716 13379716 10703773 8027830
Working Capital Loan 3772292 3772292 3017834 2263375
Promoters Capital 902737 0 0 0
Total 20182004 20046567 17790554 14671252

Total Fixed Capital Invested 14083912

Repayment of Term Loan 0 2675943 2675943 2675943

Repayment of WC Loan 0 754458 754458 754458
Current Assets 3772292 3772292 3017834 2263375
Total 3772292 7202694 6448235 5693777

Opening Balance 0 16409712 29253585 40595904

Surplus 16409712 12843873 11342318 8977475
Closing Balance 16409712 29253585 40595904 49573379

9.5 BREAK EVEN POINT AND RATIO ANALYSIS :

Particulars 0 Year 1st Year 2nd Year 3rd Year 4th Year
Fixed Cost 5555153 5489715 5137364 4752327
Variable Cost 21135262 23629624 26063091 25808084
Total Cost 26690415 29119339 31200456 30560411

Sales 25448500 29084000 32719500 32719500

Contribution (Sales-VC) 4313238 5454376 6656409 6911416

B.E.P in % 128.79% 100.65% 77.18% 68.76%

Break Even Sales in Rs. 32775910 29272433 25252655 22498105

Break Even Units 9640 8610 7427 6617

Current Ratio 1.83 0.69 0.59 0.49

Net Profit Ratio 1.74% 4.92% 8.54% 9.99%

PMEGP Project Report Page 7

 This Project Report has been prepared based on the data furnished by the entrepreneur whose details are
given in the application.
Place :
Date:
Prepared by :
Full Name : RAMMAHAR

Signature of the Beneficiary

PMEGP Project Report Page 8