Detailed Project Report
Cyber Café & Back-Office Services
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹3.69 L
- Term loan from bank
- ₹2.40 L
- Promoter’s contribution
- ₹0.37 L
- Subsidy
- ₹0.92 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-3.56 L
- Average DSCR
- -6.23
- 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 small internet and computer-work centre that also does typing, form-filling and back-office jobs for local offices.
| Main product or service | Cyber Café & Back-Office Services |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- People without their own internet access
- Travellers who need to stay in touch
- Institutions, organisations and individuals who outsource back-office work
- Walk-in customers at the centre
- Contracts for insurance-claim processing, payroll and tax work
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Computers (× 5) | 1 | 2,25,000 | 2,25,000 |
| Proxy server | 1 | 75,000 | 75,000 |
| 10/100 Mbps hub | 1 | 5,000 | 5,000 |
| UPS (C-DOT) | 1 | 17,500 | 17,500 |
| ISDN modem | 1 | 17,000 | 17,000 |
| Telephone sets (× 3) | 1 | 2,400 | 2,400 |
| UTP CAT5 cable (× 60 m) | 1 | 1,800 | 1,800 |
| Inkjet printer (HP) | 1 | 8,000 | 8,000 |
| Total | 3,51,700 |
Pre-filled from: KVIC Project Profile — CYBER CAFÉ & BACK OFFICE SERVICES (PMEGP). Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Paper, ink and stationery — the profile books ₹72,300 a year under raw material
- Internet bandwidth — more PCs need more bandwidth (the profile adds phone lines through an internet gateway)
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 3.52 |
| Contingency | 0.18 |
| Total fixed capital | 3.69 |
| Working capital margin | 0.00 |
| Total project cost | 3.69 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 0.37 | 10.0 |
| Subsidy | 0.92 | 25.0 |
| Term loan from bank | 2.40 | 65.0 |
| Total | 3.69 | 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 | 0.07 | 0.07 | 0.07 | 0.07 | 0.07 | 0.07 | 0.07 |
| Insurance | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
| Total cost of operations | 2.97 | 2.97 | 2.97 | 2.97 | 2.97 | 2.97 | 2.97 |
| Operating profit (EBITDA) | -2.97 | -2.97 | -2.97 | -2.97 | -2.97 | -2.97 | -2.97 |
| Depreciation | 0.55 | 0.47 | 0.40 | 0.34 | 0.29 | 0.25 | 0.21 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 0.26 | 0.23 | 0.18 | 0.14 | 0.10 | 0.06 | 0.02 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -3.79 | -3.67 | -3.56 | -3.46 | -3.36 | -3.28 | -3.20 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -3.79 | -3.67 | -3.56 | -3.46 | -3.36 | -3.28 | -3.20 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -3.79 | -3.67 | -3.56 | -3.46 | -3.36 | -3.28 | -3.20 |
| Depreciation | 0.55 | 0.47 | 0.40 | 0.34 | 0.29 | 0.25 | 0.21 |
| Cash accruals (PAT + depreciation) | -3.23 | -3.20 | -3.16 | -3.12 | -3.08 | -3.03 | -2.99 |
| Term loan repaid | 0.18 | 0.37 | 0.37 | 0.37 | 0.37 | 0.37 | 0.37 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -3.42 | -3.57 | -3.53 | -3.49 | -3.44 | -3.40 | -3.36 |
| Cash and bank | -3.42 | -6.98 | -10.51 | -14.00 | -17.44 | -20.84 | -24.21 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 1.29 | 1.29 | 1.29 | 1.29 | 1.29 | 1.29 | 1.29 |
| Reserves and surplus | -3.79 | -7.45 | -11.01 | -14.47 | -17.83 | -21.11 | -24.32 |
| Term loan outstanding | 2.22 | 1.85 | 1.48 | 1.11 | 0.74 | 0.37 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | -0.28 | -4.32 | -8.24 | -12.07 | -15.80 | -19.45 | -23.02 |
| Net fixed assets | 3.14 | 2.67 | 2.27 | 1.93 | 1.64 | 1.39 | 1.18 |
| 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 | -3.42 | -6.98 | -10.51 | -14.00 | -17.44 | -20.84 | -24.21 |
| Total assets | -0.28 | -4.32 | -8.24 | -12.07 | -15.80 | -19.45 | -23.02 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -6.69 | -5.00 | -5.37 | -5.79 | -6.29 | -6.88 | -7.60 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -6.23 |
|---|---|
| Lowest DSCR | -7.60 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 0.55 | 0.47 | 0.40 | 0.34 | 0.29 | 0.25 | 0.21 |
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 | 2.40 | 0.26 | 0.18 | 2.22 |
| 2 | 2.22 | 0.23 | 0.37 | 1.85 |
| 3 | 1.85 | 0.18 | 0.37 | 1.48 |
| 4 | 1.48 | 0.14 | 0.37 | 1.11 |
| 5 | 1.11 | 0.10 | 0.37 | 0.74 |
| 6 | 0.74 | 0.06 | 0.37 | 0.37 |
| 7 | 0.37 | 0.02 | 0.37 | 0.00 |
17 Licences and registrations
- Udyam
- GST (if turnover crosses the limit)
- Shop and establishment registration / trade licence
- Police or local-body permission for a cyber café where the state rules require it
18 Government schemes that may apply
- Prime Minister's Employment Generation Programme (PMEGP)
- Pradhan Mantri MUDRA Yojana (PMMY) – Shishu, Kishor, Tarun, Tarun Plus
- Mukhyamantri Yuva Udyami Vikas Abhiyan (CM-YUVA)
19 Sources
- KVIC Project Profile — CYBER CAFÉ & BACK OFFICE SERVICES (PMEGP) — https://pmegp.msme.gov.in/Home/DownloadDocument?fileName=Documents/ProjectSampleReport/CYBER_CAF%C3%89_%26_BACK_OFFICE_SERVICES_%28_SERVICE_AND_TEXTILE_INDUSTRY_%29.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.