Sample Medical Shop / Pharmacy

Medical Shop / Pharmacy · Pune, Maharashtra

Proposed loan ₹700,000 MUDRA (PMMY)

Project cost ₹675,000 Incl. working capital

Average DSCR 3.27 Above 1.50 benchmark

Year-1 sales ₹4,800,000 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 Medical Shop / Pharmacy unit at Shop No. 12, Market Road, Pune, Maharashtra. Total project cost is ₹675,000, to be funded by promoter contribution of ₹100,000, term loan of ₹700,000. Year-1 sales are estimated at ₹4,800,000. Average DSCR is 3.27 (comfortably above the typical 1.50 bank benchmark).

2. Business description & objectives

Legal form: Proprietorship. Sector: Retail.

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	80,000
Furniture & fixtures	70,000
Vehicles	0
Preliminary & preoperative	25,000
Working capital margin / WC	350,000
Total project cost	675,000

Means of finance	Amount (₹)
Promoter contribution	100,000
Term loan	700,000
Subsidy	0
Unsecured loans / others	0
Total means	800,000

Promoter margin: 14.8%. Balancing difference: ₹125,000.

8. Financial projections (P&L)

Particulars	Y1	Y2	Y3	Y4	Y5
Sales	3,360,000	4,224,000	5,227,200	6,069,360	7,027,680
Cost of goods / inputs	2,520,000	3,168,000	3,920,400	4,552,020	5,270,760
Gross profit	840,000	1,056,000	1,306,800	1,517,340	1,756,920
Operating expenses	436,800	499,200	561,600	592,800	624,000
EBITDA	403,200	556,800	745,200	924,540	1,132,920
Depreciation	59,000	30,000	26,490	23,408	20,698
Interest	80,500	64,400	48,300	32,200	16,100
PBT	263,700	462,400	670,410	868,933	1,096,122
Tax	65,925	115,600	167,603	217,233	274,030
PAT	197,775	346,800	502,808	651,699	822,091

9. Working capital

Working capital built into the project is ₹350,000. Indicative MPBF (75% of NWC) is ₹194,578. Current ratio (Y1): 4.00.

10. Loan repayment schedule

Year	Opening	Interest	Principal	Instalment	Closing
Y1	700,000	80,500	140,000	220,500	560,000
Y2	560,000	64,400	140,000	204,400	420,000
Y3	420,000	48,300	140,000	188,300	280,000
Y4	280,000	32,200	140,000	172,200	140,000
Y5	140,000	16,100	140,000	156,100	0

Interest 11.50% p.a. · Tenure 5 years · Average DSCR 3.27 · Minimum DSCR 1.53.

11. Balance sheet (projected)

Particulars	Y1	Y2	Y3	Y4	Y5
Net fixed assets	266,000	236,000	209,510	186,103	165,404
Current assets	345,916	420,786	514,707	612,936	736,261
Total assets	611,916	656,786	724,217	799,038	901,665
Capital + subsidy	100,000	100,000	100,000	100,000	100,000
Reserves	197,775	544,575	1,047,383	1,699,082	2,521,173
Term loan o/s	560,000	420,000	280,000	140,000	0
Current liabilities	86,479	105,197	128,677	153,234	184,065

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

Medical Shop / Pharmacy