Detailed Project Report
Multipurpose Computer Centre / Cyber Café
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹3.23 L
- Term loan from bank
- ₹2.10 L
- Promoter’s contribution
- ₹0.32 L
- Subsidy
- ₹0.81 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-3.47 L
- Average DSCR
- -7.09
- 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
Offer internet use, DTP, printing, scanning, online forms and computer training from one small centre.
| Main product or service | Multipurpose Computer Centre / Cyber Café |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Students and job seekers
- People filling government and exam forms online
- Small shops and offices needing DTP and printing
- Walk-in customers
- Tie-ups with schools and coaching centres
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Computers with monitors, keyboards, mice and preloaded software, networking parts, cables, modem and internet connection, scanner (× 1 set) | 1 | 3,08,000 | 3,08,000 |
| Total | 3,08,000 |
Pre-filled from: KVIC Project Profile — Multipurpose Computer Centre / Cyber Café (PMEGP). Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Paper, ink and consumables — raw material ₹2,40,000 and labels/packing ₹40,000 a year in the KVIC profile
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 3.08 |
| Contingency | 0.15 |
| Total fixed capital | 3.23 |
| Working capital margin | 0.00 |
| Total project cost | 3.23 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 0.32 | 10.0 |
| Subsidy | 0.81 | 25.0 |
| Term loan from bank | 2.10 | 65.0 |
| Total | 3.23 | 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 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 |
| Insurance | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
| Total cost of operations | 2.96 | 2.96 | 2.96 | 2.96 | 2.96 | 2.96 | 2.96 |
| Operating profit (EBITDA) | -2.96 | -2.96 | -2.96 | -2.96 | -2.96 | -2.96 | -2.96 |
| Depreciation | 0.49 | 0.41 | 0.35 | 0.30 | 0.25 | 0.22 | 0.18 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 0.23 | 0.20 | 0.16 | 0.13 | 0.09 | 0.05 | 0.02 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -3.67 | -3.57 | -3.47 | -3.38 | -3.30 | -3.23 | -3.16 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -3.67 | -3.57 | -3.47 | -3.38 | -3.30 | -3.23 | -3.16 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -3.67 | -3.57 | -3.47 | -3.38 | -3.30 | -3.23 | -3.16 |
| Depreciation | 0.49 | 0.41 | 0.35 | 0.30 | 0.25 | 0.22 | 0.18 |
| Cash accruals (PAT + depreciation) | -3.19 | -3.16 | -3.12 | -3.09 | -3.05 | -3.02 | -2.98 |
| Term loan repaid | 0.16 | 0.32 | 0.32 | 0.32 | 0.32 | 0.32 | 0.32 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -3.35 | -3.48 | -3.45 | -3.41 | -3.37 | -3.34 | -3.30 |
| Cash and bank | -3.35 | -6.83 | -10.28 | -13.69 | -17.06 | -20.40 | -23.70 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 1.13 | 1.13 | 1.13 | 1.13 | 1.13 | 1.13 | 1.13 |
| Reserves and surplus | -3.67 | -7.24 | -10.72 | -14.10 | -17.41 | -20.64 | -23.80 |
| Term loan outstanding | 1.94 | 1.62 | 1.29 | 0.97 | 0.65 | 0.32 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | -0.60 | -4.49 | -8.29 | -12.00 | -15.63 | -19.18 | -22.67 |
| Net fixed assets | 2.75 | 2.34 | 1.99 | 1.69 | 1.43 | 1.22 | 1.04 |
| 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 | -3.35 | -6.83 | -10.28 | -13.69 | -17.06 | -20.40 | -23.70 |
| Total assets | -0.60 | -4.49 | -8.29 | -12.00 | -15.63 | -19.18 | -22.67 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -7.61 | -5.69 | -6.11 | -6.59 | -7.15 | -7.83 | -8.64 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -7.09 |
|---|---|
| Lowest DSCR | -8.64 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 0.49 | 0.41 | 0.35 | 0.30 | 0.25 | 0.22 | 0.18 |
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 | 2.10 | 0.23 | 0.16 | 1.94 |
| 2 | 1.94 | 0.20 | 0.32 | 1.62 |
| 3 | 1.62 | 0.16 | 0.32 | 1.29 |
| 4 | 1.29 | 0.13 | 0.32 | 0.97 |
| 5 | 0.97 | 0.09 | 0.32 | 0.65 |
| 6 | 0.65 | 0.05 | 0.32 | 0.32 |
| 7 | 0.32 | 0.02 | 0.32 | 0.00 |
17 Licences and registrations
- Udyam
- GST (if turnover crosses the limit)
- Shop and establishment registration
- Cyber café registration and user log-keeping under the IT (Guidelines for Cyber Cafe) Rules, 2011
18 Government schemes that may apply
- Prime Minister's Employment Generation Programme (PMEGP)
- Pradhan Mantri MUDRA Yojana (PMMY) – Shishu, Kishor, Tarun, Tarun Plus
- Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)
19 Sources
- KVIC Project Profile — Multipurpose Computer Centre / Cyber Café (PMEGP) — https://pmegp.msme.gov.in/Home/DownloadDocument?fileName=Documents/ProjectSampleReport/MULTIPURPOSE_COMPUTER_CENTRE-CYBER_CAF%C3%89_%28_RURAL_ENGG._AND_BIO-TECH_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.