Sample Flour Mill

Flour Mill · Pune, Maharashtra

Proposed loan ₹1,500,000 PMEGP

Project cost ₹1,320,000 Incl. working capital

Average DSCR 2.88 Above 1.50 benchmark

Year-1 sales ₹6,000,000 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 Flour Mill unit at Shop No. 12, Market Road, Pune, Maharashtra. Total project cost is ₹1,320,000, to be funded by promoter contribution of ₹100,000, term loan of ₹1,500,000 and subsidy of ₹330,000. Year-1 sales are estimated at ₹6,000,000. Average DSCR is 2.88 (comfortably above the typical 1.50 bank benchmark).

2. Business description & objectives

Legal form: Proprietorship. Sector: Manufacturing.

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

Objective: obtain PMEGP 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.

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	900,000
Furniture & fixtures	70,000
Vehicles	0
Preliminary & preoperative	25,000
Working capital margin / WC	175,000
Total project cost	1,320,000

Means of finance	Amount (₹)
Promoter contribution	100,000
Term loan	1,500,000
Subsidy	330,000
Unsecured loans / others	0
Total means	1,930,000

Promoter margin: 7.6%. Balancing difference: ₹610,000.

8. Financial projections (P&L)

Particulars	Y1	Y2	Y3	Y4	Y5
Sales	4,200,000	5,280,000	6,534,000	7,586,700	8,784,600
Cost of goods / inputs	2,940,000	3,696,000	4,573,800	5,310,690	6,149,220
Gross profit	1,260,000	1,584,000	1,960,200	2,276,010	2,635,380
Operating expenses	436,800	499,200	561,600	592,800	624,000
EBITDA	823,200	1,084,800	1,398,600	1,683,210	2,011,380
Depreciation	182,000	134,550	115,358	98,945	84,905
Interest	172,500	138,000	103,500	69,000	34,500
PBT	468,700	812,250	1,179,743	1,515,265	1,891,975
Tax	117,175	203,063	294,936	378,816	472,994
PAT	351,525	609,188	884,807	1,136,449	1,418,981

9. Working capital

Working capital built into the project is ₹175,000. Indicative MPBF (75% of NWC) is ₹164,801. Current ratio (Y1): 4.00.

10. Loan repayment schedule

Year	Opening	Interest	Principal	Instalment	Closing
Y1	1,500,000	172,500	300,000	472,500	1,200,000
Y2	1,200,000	138,000	300,000	438,000	900,000
Y3	900,000	103,500	300,000	403,500	600,000
Y4	600,000	69,000	300,000	369,000	300,000
Y5	300,000	34,500	300,000	334,500	0

Interest 11.50% p.a. · Tenure 5 years · Average DSCR 2.88 · Minimum DSCR 1.49.

11. Balance sheet (projected)

Particulars	Y1	Y2	Y3	Y4	Y5
Net fixed assets	963,000	828,450	713,093	614,148	529,243
Current assets	292,979	384,157	509,560	661,081	852,520
Total assets	1,255,979	1,212,607	1,222,653	1,275,229	1,381,763
Capital + subsidy	430,000	430,000	430,000	430,000	430,000
Reserves	351,525	960,713	1,845,519	2,981,968	4,400,949
Term loan o/s	1,200,000	900,000	600,000	300,000	0
Current liabilities	73,245	96,039	127,390	165,270	213,130

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

Flour Mill