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

Name	Sample Promoter	Age	32
Qualification	Graduate	Experience (years)	5
Address	Shop No. 12, Market Road, Pune 411001
Proposed bank	State 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

Particulars	Amount (₹)
Land	0
Building / civil works	150,000
Plant & machinery	120,000
Furniture & fixtures	70,000
Vehicles	0
Preliminary & preoperative	25,000
Working capital margin / WC	175,000
Total project cost	540,000

Means of finance	Amount (₹)
Promoter contribution	100,000
Term loan	250,000
Subsidy	0
Unsecured loans / others	0
Total means	350,000

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

8. Financial projections (P&L)

Particulars	Y1	Y2	Y3	Y4	Y5
Sales	672,000	844,800	1,045,440	1,213,872	1,405,536
Cost of goods / inputs	120,960	152,064	188,179	218,497	252,996
Gross profit	551,040	692,736	857,261	995,375	1,152,540
Operating expenses	436,800	499,200	561,600	592,800	624,000
EBITDA	114,240	193,536	295,661	402,575	528,540
Depreciation	65,000	35,100	30,825	27,092	23,830
Interest	28,750	23,000	17,250	11,500	5,750
PBT	20,490	135,436	247,586	363,983	498,959
Tax	5,123	33,859	61,896	90,996	124,740
PAT	15,368	101,577	185,689	272,987	374,219

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

Year	Opening	Interest	Principal	Instalment	Closing
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)

Particulars	Y1	Y2	Y3	Y4	Y5
Net fixed assets	300,000	264,900	234,075	206,983	183,152
Current assets	131,368	166,354	209,473	256,294	317,741
Total assets	431,368	431,254	443,548	463,277	500,894
Capital + subsidy	100,000	100,000	100,000	100,000	100,000
Reserves	15,368	116,945	302,634	575,621	949,840
Term loan o/s	200,000	150,000	100,000	50,000	0
Current liabilities	32,842	41,589	52,368	64,074	79,435

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.

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

Digital Seva Kendra