A. Cost |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
1. Fixed Costs |
1.065 |
--- |
--- |
--- |
--- |
--- |
--- |
--- |
2. Recurring Costs |
1.124 |
1.124 |
1.124 |
1.124 |
1.124 |
1.124 |
1.124 |
1.124 |
Total |
2.189 |
1.124 |
1.124 |
1.124 |
1.124 |
1.124 |
1.124 |
1.124 |
1. Income from sale of fish |
2.00 |
2.00 |
2.00 |
2.00 |
2.00 |
2.00 |
2.00 |
2.00 |
2. Net Income |
-0.189 |
0.876 |
0.876 |
0.876 |
0.876 |
0.876 |
0.876 |
0.876 |
3. NPV Costs |
7.444 |
|
|
|
|
|
|
|
4. NPV Benefits |
11.449 |
|
|
|
|
|
|
|
5. NPV |
+4.005 |
|
|
|
|
|
|
|
6. BCR |
1.54:1 |
|
|
|
|
|
|
|
D. IRR |
>50 % |
|
|
|
|
|
|
|
Repayment Schedule
Total financial Outlay |
Rs 2.189 lakh |
Margin (15%) |
Rs 0.328 lakh |
Rate of interest |
12% |
Bank Loan |
Rs 1.860 lakh |
Year |
Net Income |
Interest |
Principal |
Total |
Bank loan |
Net |
DSCR |
|
|
|
|
outgo |
O/S |
Surplus |
|
1 |
0.876 |
0.223 |
0.000 |
0.223 |
1.860 |
0.653 |
3.925 |
2 |
0.876 |
0.223 |
0.265 |
0.488 |
1.595 |
0.388 |
1.795 |
3 |
0.876 |
0.191 |
0.265 |
0.456 |
1.330 |
0.420 |
1.920 |
4 |
0.876 |
0.160 |
0.265 |
0.425 |
1.065 |
0.452 |
2.063 |
5 |
0.876 |
0.128 |
0.265 |
0.393 |
0.800 |
0.483 |
2.230 |
6 |
0.876 |
0.096 |
0.265 |
0.361 |
0.535 |
0.515 |
2.427 |
7 |
0.876 |
0.064 |
0.265 |
0.329 |
0.270 |
0.547 |
2.661 |
8 |
0.876 |
0.032 |
0.270 |
0.302 |
0.000 |
0.574 |
2.896 |
Repayment 8 years with one year grace on payment of principal.