Sample Stitching / Tailoring Unit

Stitching / Tailoring Unit · Pune, Maharashtra

Proposed loan ₹350,000 MUDRA (PMMY)

Project cost ₹398,000 Incl. working capital

Average DSCR 3.88 Above 1.50 benchmark

Year-1 sales ₹1,500,000 5 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 Stitching / Tailoring Unit unit at Shop No. 12, Market Road, Pune, Maharashtra. Total project cost is ₹398,000, to be funded by promoter contribution of ₹100,000, term loan of ₹350,000. Year-1 sales are estimated at ₹1,500,000. Average DSCR is 3.88 (comfortably above the typical 1.50 bank benchmark).

2. Business description & objectives

Legal form: Proprietorship. Sector: Service.

Products / services: Ladies and gents stitching, blouse and suit work, school uniforms, and same-day alterations.

Objective: obtain MUDRA (PMMY) assistance to create a viable unit, generate local employment (5 persons) and service the loan from operating surplus.

3. Promoter profile

Name	Sample Promoter	Age	32
Qualification	ITI (stitching) / diploma	Experience (years)	8
Address	Shop No. 12, Market Road, Pune 411001
Proposed bank	State Bank of India

4. Market & industry

Walk-in custom from the local market plus bulk school and office uniform orders in season.

Under PMMY this ticket size maps to Kishor (₹50,001 – ₹5 lakh).

5. Products / services

Ladies and gents stitching, blouse and suit work, school uniforms, and same-day alterations.

6. Operational plan

Location: Shop No. 12, Market Road. Manpower: 5 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	60,000
Plant & machinery	185,000
Furniture & fixtures	40,000
Vehicles	0
Preliminary & preoperative	18,000
Working capital margin / WC	95,000
Total project cost	398,000

Means of finance	Amount (₹)
Promoter contribution	100,000
Term loan	350,000
Subsidy	0
Unsecured loans / others	0
Total means	450,000

Promoter margin: 25.1%. Balancing difference: ₹52,000.

8. Financial projections (P&L)

Particulars	Y1	Y2	Y3	Y4	Y5
Sales	1,050,000	1,320,000	1,633,500	1,896,675	2,196,150
Cost of goods / inputs	336,000	422,400	522,720	606,936	702,768
Gross profit	714,000	897,600	1,110,780	1,289,739	1,493,382
Operating expenses	533,400	609,600	685,800	723,900	762,000
EBITDA	180,600	288,000	424,980	565,839	731,382
Depreciation	55,750	32,588	28,149	24,332	21,047
Interest	40,250	32,200	24,150	16,100	8,050
PBT	84,600	223,213	372,681	525,407	702,285
Tax	21,150	55,803	93,170	131,352	175,571
PAT	63,450	167,409	279,510	394,055	526,714

9. Working capital

Working capital built into the project is ₹95,000. Indicative MPBF (75% of NWC) is ₹55,163. Current ratio (Y1): 4.00.

10. Loan repayment schedule

Year	Opening	Interest	Principal	Instalment	Closing
Y1	350,000	40,250	70,000	110,250	280,000
Y2	280,000	32,200	70,000	102,200	210,000
Y3	210,000	24,150	70,000	94,150	140,000
Y4	140,000	16,100	70,000	86,100	70,000
Y5	70,000	8,050	70,000	78,050	0

Interest 11.50% p.a. · Tenure 5 years · Average DSCR 3.88 · Minimum DSCR 1.45.

11. Balance sheet (projected)

Particulars	Y1	Y2	Y3	Y4	Y5
Net fixed assets	247,250	214,663	186,513	162,181	141,134
Current assets	98,068	130,541	176,356	233,937	310,844
Total assets	345,318	345,204	362,869	396,118	451,978
Capital + subsidy	100,000	100,000	100,000	100,000	100,000
Reserves	63,450	230,859	510,370	904,425	1,431,139
Term loan o/s	280,000	210,000	140,000	70,000	0
Current liabilities	24,517	32,635	44,089	58,484	77,711

12. Risk & mitigation

Key risks: slower demand, cost inflation and delayed receivables. Mitigation: conservative capacity in year 1, promoter experience of 8 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

Stitching / Tailoring Unit