Sample Gym & Fitness Centre

Gym & Fitness Centre · Pune, Maharashtra

Proposed loan ₹600,000 MUDRA (PMMY)

Project cost ₹880,000 Incl. working capital

Average DSCR 7.55 Above 1.50 benchmark

Year-1 sales ₹2,160,000 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 Gym & Fitness Centre unit at Shop No. 12, Market Road, Pune, Maharashtra. Total project cost is ₹880,000, to be funded by promoter contribution of ₹100,000, term loan of ₹600,000. Year-1 sales are estimated at ₹2,160,000. Average DSCR is 7.55 (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 Tarun (₹5 – ₹10 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	450,000
Furniture & fixtures	80,000
Vehicles	0
Preliminary & preoperative	25,000
Working capital margin / WC	175,000
Total project cost	880,000

Means of finance	Amount (₹)
Promoter contribution	100,000
Term loan	600,000
Subsidy	0
Unsecured loans / others	0
Total means	700,000

Promoter margin: 11.4%. Balancing difference: ₹-180,000.

8. Financial projections (P&L)

Particulars	Y1	Y2	Y3	Y4	Y5
Sales	1,512,000	1,900,800	2,352,240	2,731,212	3,162,456
Cost of goods / inputs	181,440	228,096	282,269	327,745	379,495
Gross profit	1,330,560	1,672,704	2,069,971	2,403,467	2,782,961
Operating expenses	436,800	499,200	561,600	592,800	624,000
EBITDA	893,760	1,173,504	1,508,371	1,810,667	2,158,961
Depreciation	115,500	78,075	67,399	58,220	50,326
Interest	69,000	55,200	41,400	27,600	13,800
PBT	709,260	1,040,229	1,399,572	1,724,846	2,094,836
Tax	177,315	260,057	349,893	431,212	523,709
PAT	531,945	780,172	1,049,679	1,293,635	1,571,127

9. Working capital

Working capital built into the project is ₹175,000. Indicative MPBF (75% of NWC) is ₹117,481. Current ratio (Y1): 4.00.

10. Loan repayment schedule

Year	Opening	Interest	Principal	Instalment	Closing
Y1	600,000	69,000	120,000	189,000	480,000
Y2	480,000	55,200	120,000	175,200	360,000
Y3	360,000	41,400	120,000	161,400	240,000
Y4	240,000	27,600	120,000	147,600	120,000
Y5	120,000	13,800	120,000	133,800	0

Interest 11.50% p.a. · Tenure 5 years · Average DSCR 7.55 · Minimum DSCR 3.79.

11. Balance sheet (projected)

Particulars	Y1	Y2	Y3	Y4	Y5
Net fixed assets	589,500	511,425	444,026	385,806	335,480
Current assets	208,854	342,705	511,368	706,273	941,425
Total assets	798,354	854,130	955,394	1,092,079	1,276,905
Capital + subsidy	100,000	100,000	100,000	100,000	100,000
Reserves	531,945	1,312,117	2,361,796	3,655,431	5,226,557
Term loan o/s	480,000	360,000	240,000	120,000	0
Current liabilities	52,214	85,676	127,842	176,568	235,356

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

Gym & Fitness Centre