Detailed Project Report · Bank loan appraisal
Sample Restaurant / Cloud Kitchen
Restaurant / Cloud Kitchen · Pune, Maharashtra
1. Executive summary
Sample Promoter proposes to establish a new Restaurant / Cloud Kitchen unit at Shop No. 12, Market Road, Pune, Maharashtra. Total project cost is ₹1,150,000, to be funded by promoter contribution of ₹100,000, term loan of ₹1,200,000. Year-1 sales are estimated at ₹5,400,000. Average DSCR is 7.62 (comfortably above the typical 1.50 bank benchmark).
2. Business description & objectives
Legal form: Proprietorship. Sector: Hospitality.
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 Plus (₹10 – ₹20 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 | 400,000 |
| Plant & machinery | 350,000 |
| Furniture & fixtures | 200,000 |
| Vehicles | 0 |
| Preliminary & preoperative | 25,000 |
| Working capital margin / WC | 175,000 |
| Total project cost | 1,150,000 |
| Means of finance | Amount (₹) |
|---|---|
| Promoter contribution | 100,000 |
| Term loan | 1,200,000 |
| Subsidy | 0 |
| Unsecured loans / others | 0 |
| Total means | 1,300,000 |
Promoter margin: 8.7%. Balancing difference: ₹150,000.
8. Financial projections (P&L)
| Particulars | Y1 | Y2 | Y3 | Y4 | Y5 |
|---|---|---|---|---|---|
| Sales | 3,780,000 | 4,752,000 | 5,880,600 | 6,828,030 | 7,906,140 |
| Cost of goods / inputs | 1,436,400 | 1,805,760 | 2,234,628 | 2,594,651 | 3,004,333 |
| Gross profit | 2,343,600 | 2,946,240 | 3,645,972 | 4,233,379 | 4,901,807 |
| Operating expenses | 436,800 | 499,200 | 561,600 | 592,800 | 624,000 |
| EBITDA | 1,906,800 | 2,447,040 | 3,084,372 | 3,640,579 | 4,277,807 |
| Depreciation | 137,500 | 98,625 | 86,531 | 75,982 | 66,771 |
| Interest | 138,000 | 110,400 | 82,800 | 55,200 | 27,600 |
| PBT | 1,631,300 | 2,238,015 | 2,915,041 | 3,509,397 | 4,183,435 |
| Tax | 407,825 | 559,504 | 728,760 | 877,349 | 1,045,859 |
| PAT | 1,223,475 | 1,678,511 | 2,186,281 | 2,632,048 | 3,137,577 |
9. Working capital
Working capital built into the project is ₹175,000. Indicative MPBF (75% of NWC) is ₹199,559. Current ratio (Y1): 4.00.
10. Loan repayment schedule
| Year | Opening | Interest | Principal | Instalment | Closing |
|---|---|---|---|---|---|
| Y1 | 1,200,000 | 138,000 | 240,000 | 378,000 | 960,000 |
| Y2 | 960,000 | 110,400 | 240,000 | 350,400 | 720,000 |
| Y3 | 720,000 | 82,800 | 240,000 | 322,800 | 480,000 |
| Y4 | 480,000 | 55,200 | 240,000 | 295,200 | 240,000 |
| Y5 | 240,000 | 27,600 | 240,000 | 267,600 | 0 |
Interest 11.50% p.a. · Tenure 5 years · Average DSCR 7.62 · Minimum DSCR 3.97.
11. Balance sheet (projected)
| Particulars | Y1 | Y2 | Y3 | Y4 | Y5 |
|---|---|---|---|---|---|
| Net fixed assets | 837,500 | 738,875 | 652,344 | 576,362 | 509,591 |
| Current assets | 354,771 | 608,673 | 932,909 | 1,313,446 | 1,768,229 |
| Total assets | 1,192,271 | 1,347,548 | 1,585,253 | 1,889,808 | 2,277,820 |
| Capital + subsidy | 100,000 | 100,000 | 100,000 | 100,000 | 100,000 |
| Reserves | 1,223,475 | 2,901,986 | 5,088,267 | 7,720,315 | 10,857,891 |
| Term loan o/s | 960,000 | 720,000 | 480,000 | 240,000 | 0 |
| Current liabilities | 88,693 | 152,168 | 233,227 | 328,361 | 442,057 |
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