Sample Taxi / Cab Service

Taxi / Cab Service · Pune, Maharashtra

Proposed loan ₹800,000 MUDRA (PMMY)

Project cost ₹1,075,000 Incl. working capital

Average DSCR 1.27 Below typical 1.50

Year-1 sales ₹1,080,000 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 Taxi / Cab Service unit at Shop No. 12, Market Road, Pune, Maharashtra. Total project cost is ₹1,075,000, to be funded by promoter contribution of ₹100,000, term loan of ₹800,000. Year-1 sales are estimated at ₹1,080,000. Average DSCR is 1.27 (below 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	0
Plant & machinery	80,000
Furniture & fixtures	70,000
Vehicles	850,000
Preliminary & preoperative	25,000
Working capital margin / WC	50,000
Total project cost	1,075,000

Means of finance	Amount (₹)
Promoter contribution	100,000
Term loan	800,000
Subsidy	0
Unsecured loans / others	0
Total means	900,000

Promoter margin: 9.3%. Balancing difference: ₹-175,000.

8. Financial projections (P&L)

Particulars	Y1	Y2	Y3	Y4	Y5
Sales	756,000	950,400	1,176,120	1,365,606	1,581,228
Cost of goods / inputs	211,680	266,112	329,314	382,370	442,744
Gross profit	544,320	684,288	846,806	983,236	1,138,484
Operating expenses	436,800	499,200	561,600	592,800	624,000
EBITDA	107,520	185,088	285,206	390,436	514,484
Depreciation	171,500	124,875	106,459	90,773	77,413
Interest	92,000	73,600	55,200	36,800	18,400
PBT	-155,980	-13,387	123,548	262,863	418,672
Tax	0	0	30,887	65,716	104,668
PAT	-155,980	-13,387	92,661	197,147	314,004

9. Working capital

Working capital built into the project is ₹50,000. Indicative MPBF (75% of NWC) is ₹19,688. Current ratio (Y1): 4.00.

10. Loan repayment schedule

Year	Opening	Interest	Principal	Instalment	Closing
Y1	800,000	92,000	160,000	252,000	640,000
Y2	640,000	73,600	160,000	233,600	480,000
Y3	480,000	55,200	160,000	215,200	320,000
Y4	320,000	36,800	160,000	196,800	160,000
Y5	160,000	18,400	160,000	178,400	0

Interest 11.50% p.a. · Tenure 5 years · Average DSCR 1.27 · Minimum DSCR 0.43.

11. Balance sheet (projected)

Particulars	Y1	Y2	Y3	Y4	Y5
Net fixed assets	853,500	728,625	622,166	531,393	453,980
Current assets	35,000	40,000	45,000	55,866	95,083
Total assets	888,500	768,625	667,166	587,259	549,063
Capital + subsidy	100,000	100,000	100,000	100,000	100,000
Reserves	-155,980	-169,367	-76,706	120,441	434,445
Term loan o/s	640,000	480,000	320,000	160,000	0
Current liabilities	8,750	10,000	11,250	13,967	23,771

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

Taxi / Cab Service