Detailed Project Report
Common Service Centre (Jan Seva Kendra)
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹1.63 L
- Term loan from bank
- ₹1.06 L
- Promoter’s contribution
- ₹0.16 L
- Subsidy
- ₹0.41 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-3.18 L
- Average DSCR
- -13.89
- Break-even (% of capacity used)
- —
02 Promoter and unit
| Promoter name | — |
|---|---|
| Business / firm name | — |
| Legal form | Proprietorship |
| Address of the unit | — |
| Applicant category | General · Rural |
03 The project
A village or mohalla counter for photocopies, printouts, form filling, Aadhaar, PAN and ration card work, recharges and scheme enrolment.
| Main product or service | Common Service Centre (Jan Seva Kendra) |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Village and town households
- Students and job applicants
- Farmers and pensioners applying for schemes
- Walk-in counter
- Camps in nearby villages
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Computers with hardware and Windows (× 2) | 1 | 60,000 | 60,000 |
| Colour printer | 1 | 50,000 | 50,000 |
| Xerox (photocopy) machine | 1 | 12,000 | 12,000 |
| Printer | 1 | 8,000 | 8,000 |
| Network installation | 1 | 5,000 | 5,000 |
| Office set-up | 1 | 20,000 | 20,000 |
| Total | 1,55,000 |
Pre-filled from: Uttarakhand DUY project profile — Community Service Centers. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Paper, printer ink and toner — the profile budgets ₹0.10 lakh a year for materials
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 1.55 |
| Contingency | 0.08 |
| Total fixed capital | 1.63 |
| Working capital margin | 0.00 |
| Total project cost | 1.63 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 0.16 | 10.0 |
| Subsidy | 0.41 | 25.0 |
| Term loan from bank | 1.06 | 65.0 |
| Total | 1.63 | 100.0 |
| Working capital loan (outside project cost) | 0.00 |
09 Key assumptions
| Selling price | ₹0 per units |
|---|---|
| Raw material & packing cost | ₹0 per units |
| Capacity used each year | 60% · 70% · 80% · 80% · 80% · 80% · 80% |
| Term loan interest rate (% a year) | 11% · 84 months (Moratorium 6) |
| Working capital method | Turnover method (RBI) · Working capital interest (% a year) 11% |
| Income tax rate | 25% |
| Yearly price and cost rise | 0% |
10 Production and sales
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capacity used | 60% | 70% | 80% | 80% | 80% | 80% | 80% |
| Production (units) | 6,000 | 7,000 | 8,000 | 8,000 | 8,000 | 8,000 | 8,000 |
| Sales | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
11 Projected profitability
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Sales | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Raw material and packing | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Power and fuel | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Salaries and wages | 2.88 | 2.88 | 2.88 | 2.88 | 2.88 | 2.88 | 2.88 |
| Rent | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Administration | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Selling and distribution | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Repairs and maintenance | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 |
| Insurance | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Total cost of operations | 2.92 | 2.92 | 2.92 | 2.92 | 2.92 | 2.92 | 2.92 |
| Operating profit (EBITDA) | -2.92 | -2.92 | -2.92 | -2.92 | -2.92 | -2.92 | -2.92 |
| Depreciation | 0.24 | 0.21 | 0.18 | 0.15 | 0.13 | 0.11 | 0.09 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 0.11 | 0.10 | 0.08 | 0.06 | 0.05 | 0.03 | 0.01 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -3.28 | -3.23 | -3.18 | -3.13 | -3.09 | -3.06 | -3.02 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -3.28 | -3.23 | -3.18 | -3.13 | -3.09 | -3.06 | -3.02 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -3.28 | -3.23 | -3.18 | -3.13 | -3.09 | -3.06 | -3.02 |
| Depreciation | 0.24 | 0.21 | 0.18 | 0.15 | 0.13 | 0.11 | 0.09 |
| Cash accruals (PAT + depreciation) | -3.04 | -3.02 | -3.00 | -2.98 | -2.97 | -2.95 | -2.93 |
| Term loan repaid | 0.08 | 0.16 | 0.16 | 0.16 | 0.16 | 0.16 | 0.16 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -3.12 | -3.18 | -3.16 | -3.15 | -3.13 | -3.11 | -3.09 |
| Cash and bank | -3.12 | -6.30 | -9.46 | -12.61 | -15.74 | -18.85 | -21.94 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 0.57 | 0.57 | 0.57 | 0.57 | 0.57 | 0.57 | 0.57 |
| Reserves and surplus | -3.28 | -6.51 | -9.69 | -12.82 | -15.91 | -18.97 | -21.99 |
| Term loan outstanding | 0.98 | 0.81 | 0.65 | 0.49 | 0.33 | 0.16 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | -1.73 | -5.12 | -8.46 | -11.76 | -15.02 | -18.24 | -21.42 |
| Net fixed assets | 1.38 | 1.18 | 1.00 | 0.85 | 0.72 | 0.61 | 0.52 |
| Preliminary expenses not written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Current assets (stock and debtors) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash and bank | -3.12 | -6.30 | -9.46 | -12.61 | -15.74 | -18.85 | -21.94 |
| Total assets | -1.73 | -5.12 | -8.46 | -11.76 | -15.02 | -18.24 | -21.42 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -14.91 | -11.15 | -11.97 | -12.91 | -14.02 | -15.34 | -16.94 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -13.89 |
|---|---|
| Lowest DSCR | -16.94 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 0.24 | 0.21 | 0.18 | 0.15 | 0.13 | 0.11 | 0.09 |
Written-down value method at Income-tax Rules block rates (building 10%, plant & machinery 15%, furniture 10%, computers 40%). Change them if your CA uses other rates.
16 Term loan repayment
| Year | Opening | Interest | Term loan repaid | Closing |
|---|---|---|---|---|
| 1 | 1.06 | 0.11 | 0.08 | 0.98 |
| 2 | 0.98 | 0.10 | 0.16 | 0.81 |
| 3 | 0.81 | 0.08 | 0.16 | 0.65 |
| 4 | 0.65 | 0.06 | 0.16 | 0.49 |
| 5 | 0.49 | 0.05 | 0.16 | 0.33 |
| 6 | 0.33 | 0.03 | 0.16 | 0.16 |
| 7 | 0.16 | 0.01 | 0.16 | 0.00 |
17 Licences and registrations
- Registration as a Village Level Entrepreneur with CSC e-Governance Services India (TEC certificate needed)
- Udyam registration
- Shop and establishment registration
- Separate authorisation for Aadhaar, banking or insurance services
18 Government schemes that may apply
- Prime Minister's Employment Generation Programme (PMEGP)
- Pradhan Mantri MUDRA Yojana (PMMY) – Shishu, Kishor, Tarun, Tarun Plus
19 Sources
- Uttarakhand DUY project profile — Community Service Centers — https://duy-heduk.org/downloads/project-profiles/9.pdf
This report is a projection from the figures entered by the promoter. It is not a bank appraisal or a guarantee of a loan or subsidy. Check every figure with current quotations and your chartered accountant before submitting it.