💻 Sample DPR · Service

Digital Seva Kendra

Watermarked sample with illustrative figures — the same bank sections you get in a live report. Create your own to replace these numbers.

Service MUDRA (PMMY) 5-year projections
Proposed loan ₹250,000 MUDRA (PMMY)
Project cost ₹540,000 Incl. working capital
Average DSCR 3.87 Above 1.50 bank mark
Year-1 sales ₹960,000 3 staff · PAT Y1 ₹15,368
1
Loan

₹250,000 proposed under MUDRA (PMMY).

2
Project cost

₹540,000 including working capital.

3
Bankability

Average DSCR 3.87 — above the 1.50 mark.

A4 print preview Illustrative · not for bank filing
ConPros Financial Services Bank-ready Project Reports & CMA Data
Sample Confidential 09 Sep 2026

Detailed Project Report · Bank loan appraisal

Sample Digital Seva Kendra

Digital Seva Kendra · Pune, Maharashtra

Proposed loan ₹250,000 MUDRA (PMMY)
Project cost ₹540,000 Incl. working capital
Average DSCR 3.87 Above 1.50 benchmark
Year-1 sales ₹960,000 3 staff · 5-year horizon
Promoter
Sample Promoter
Constitution
Proprietorship
Nature
New unit
Proposed bank
State Bank of India

1. Executive summary

Sample Promoter proposes to establish a new Digital Seva Kendra unit at Shop No. 12, Market Road, Pune, Maharashtra. Total project cost is ₹540,000, to be funded by promoter contribution of ₹100,000, term loan of ₹250,000. Year-1 sales are estimated at ₹960,000. Average DSCR is 3.87 (comfortably above the typical 1.50 bank benchmark).

2. Business description & objectives

Legal form: Proprietorship. Sector: Service.

Products / services: Fast-moving consumer goods, staples, packaged foods and household items.

Objective: obtain MUDRA (PMMY) assistance to create a viable unit, generate local employment (3 persons) and service the loan from operating surplus.

3. Promoter profile

NameSample PromoterAge32
QualificationGraduateExperience (years)5
AddressShop No. 12, Market Road, Pune 411001
Proposed bankState Bank of India

4. Market & industry

Local residential catchment within 2 km, daily household demand.

Under PMMY this ticket size maps to Kishor (₹50,001 – ₹5 lakh).

5. Products / services

Fast-moving consumer goods, staples, packaged foods and household items.

6. Operational plan

Location: Shop No. 12, Market Road. Manpower: 3 including the promoter. Capacity utilisation starts at 70% in year 1 and rises to 100% by year 5.

7. Project cost & means of finance

ParticularsAmount (₹)
Land0
Building / civil works150,000
Plant & machinery120,000
Furniture & fixtures70,000
Vehicles0
Preliminary & preoperative25,000
Working capital margin / WC175,000
Total project cost540,000
Means of financeAmount (₹)
Promoter contribution100,000
Term loan250,000
Subsidy0
Unsecured loans / others0
Total means350,000

Promoter margin: 18.5%. Balancing difference: ₹-190,000.

8. Financial projections (P&L)

Particulars Y1Y2Y3Y4Y5
Sales 672,000844,8001,045,4401,213,8721,405,536
Cost of goods / inputs 120,960152,064188,179218,497252,996
Gross profit 551,040692,736857,261995,3751,152,540
Operating expenses 436,800499,200561,600592,800624,000
EBITDA 114,240193,536295,661402,575528,540
Depreciation 65,00035,10030,82527,09223,830
Interest 28,75023,00017,25011,5005,750
PBT 20,490135,436247,586363,983498,959
Tax 5,12333,85961,89690,996124,740
PAT 15,368101,577185,689272,987374,219

9. Working capital

Working capital built into the project is ₹175,000. Indicative MPBF (75% of NWC) is ₹73,894. Current ratio (Y1): 4.00.

10. Loan repayment schedule

YearOpeningInterestPrincipalInstalmentClosing
Y1 250,000 28,750 50,000 78,750 200,000
Y2 200,000 23,000 50,000 73,000 150,000
Y3 150,000 17,250 50,000 67,250 100,000
Y4 100,000 11,500 50,000 61,500 50,000
Y5 50,000 5,750 50,000 55,750 0

Interest 11.50% p.a. · Tenure 5 years · Average DSCR 3.87 · Minimum DSCR 1.39.

11. Balance sheet (projected)

ParticularsY1Y2Y3Y4Y5
Net fixed assets300,000264,900234,075206,983183,152
Current assets131,368166,354209,473256,294317,741
Total assets431,368431,254443,548463,277500,894
Capital + subsidy100,000100,000100,000100,000100,000
Reserves15,368116,945302,634575,621949,840
Term loan o/s200,000150,000100,00050,0000
Current liabilities32,84241,58952,36864,07479,435

12. Risk & mitigation

Key risks: slower demand, cost inflation and delayed receivables. Mitigation: conservative capacity in year 1, promoter experience of 5 years, and DSCR buffer where projections allow. Statutory registrations (Udyam, GST, local licences) to be completed before disbursement.

I / we certify that the particulars and projections in this report are true to the best of my / our knowledge and are submitted for loan appraisal. Figures are estimates based on the assumptions stated herein.

Promoter Sample Promoter Signature
Place / date Pune, Maharashtra 09 Sep 2026
Prepared by ConPros Financial Services For bank appraisal only

ConPros Financial Services · Confidential sample — not for bank filing · 09 Sep 2026

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