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BUSINESS PLAN

7155248 MB Ltd O/A SRR TRANSPORT


10 Castlerock Cove, Steinbach, MB. R5G 2B1

Prepared by:

3822 97 St NW Suite # 222, Phone: (780) 267–6000


Edmonton, AB T6E 5S8 Fax: (780) 450-2270
Email: [email protected] www.rkprofessional.ca

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Content Page number
Sr.no

1 Executive Summary 3

2 Introduction 4

3 Objective of the Project 6

4 Profile of the Promoter 7

5 The Economic Significance of the Project 9

6 Players in Transport Industry 10

7 Ministry of Transportation 12

8 Transport Association 13

9 International Road Transport Union (IRU) 14

10 Road Transport Market Trend 15

11 Competitors Strengths and Weaknesses (SWOT Analysis) 16

12 Road Transport Infrastructure 18

13 Road Transport opportunities and Constraints 19

14 Marketing Promotion and Strategy 21

15 Project Location and Premises 24

16 Financial Analysis 25

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Executive Summary

1. Project Name TRANSPORT LOGISTICS

2. Project Owner Ramandeep Athwal

3. Nationality Indian

4. Project location 45 Tower Avenue ,


City of Steinbach

5. Project Composition Continental Transportation, Overweight Trucking


Solution

6. Total Investment Cost $ 2,696,925

7. Long Term Bank $ 2,400,000


Finance

8. Employment A total of 5 employees.


Opportunity

Provide better service, Revenue generation,


9. Benefits of the project
For The region/ Employment Opportunity, benefits local economy and
country
stimulate local economy.

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Introduction

SRR Transport is a completely integrated, comprehensive transportation solutions for all


customers searching for Freight management, store network administration, Logistics, and
import/trade exchanging, and business services. We have confidence in the two-step
distribution system and WE DO NOT contend with you by offering retail or offering installed
items.

We assembled our reputation on client-based transportation arrangements. We have


always been centered around finding a sensible, cost-effective answer to supply chain
issues. Our utilization of satellite correspondence and in-truck route puts us at the forefront
of industry benefit. We additionally ensure our condition as an individual from the
SmartWay Transport Partnership, notwithstanding numerous natural maintainability
activities.

Having freight conveyed on the splendidly conspicuous dark and chrome trucks of the SRR
Transport fleet demonstrates that our clients take extraordinary pride in their items. We
have partnered with top level brands to give five star transportation while exhibiting to
their clients and rivalry alike that they don’t bargain in any part of their activity.
Demonstrate the world what you’re made of and have SRR Transport convey for you.

Steinbach is a city located in southeastern Manitoba, Canada. Here are some key details
about Steinbach:

Location: Steinbach is situated approximately 58 kilometers (36 miles) southeast of


Winnipeg, the capital city of Manitoba. It lies along Provincial Trunk Highway 12, which
connects it to Winnipeg and other nearby towns.

History: Steinbach was originally settled by German-speaking Mennonite farmers in the late
1800s. It has a rich cultural heritage rooted in its Mennonite history, which continues to
influence the community today.

Population: As of the last census, Steinbach has a population of over 17,000 people, making
it one of the largest cities in Manitoba outside of the Winnipeg metropolitan area. The

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population has been steadily growing due to its attractive lifestyle and economic
opportunities.

Economy: Steinbach's economy is diverse, with sectors such as agriculture, retail,


manufacturing, and services playing significant roles. It serves as a regional economic hub
for southeastern Manitoba, providing employment opportunities and services to the
surrounding communities.

Culture and Community: The city is known for its strong sense of community and family-
friendly environment. It celebrates its Mennonite heritage through cultural events,
festivals, and museums, such as the Mennonite Heritage Village, which showcases the
history and traditions of the Mennonite settlers.

Education and Health Care: Steinbach has several schools offering education from
elementary to high school levels. It also has healthcare facilities, including a hospital and
medical clinics, ensuring residents have access to essential services locally.

Recreation and Amenities: Residents of Steinbach enjoy a variety of recreational activities,


including parks, sports facilities, community events, and cultural activities. The city has
recreational programs for all ages and interests, enhancing the quality of life for its
residents.

Transportation: Steinbach is accessible by road via Provincial Trunk Highway 12 and other
local roads. Public transportation within the city includes a local bus service. Many residents
also commute to Winnipeg for work or leisure activities.

Overall, Steinbach is known for its welcoming community, strong economy, and rich
cultural heritage, making it a desirable place to live, work, and raise a family in Manitoba.

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Size and Demographics

Manitoba’s third largest city is reflecting on what it says is a growing economy, rising
population, and an increasing number of building permits. The population of Steinbach,
located about 70 kilometres south of Winnipeg by road, grew 11. 4 per cent between
2016 and 2021, to 17,589, according to Statistics Canada. As of the 2021 Census,
Steinbach had a population of approximately 17,100 people. The city is known for its
significant Mennonite population, which has shaped its cultural and demographic
profile. Mennonites are a religious and cultural group known for their agricultural
traditions and conservative lifestyle. Steinbach's demographic makeup reflects a blend
of Mennonite heritage and diverse community members from various backgrounds. The
city's size and demographics contribute to its unique cultural identity within Manitoba.
Steinbach has a diverse economic base, including agriculture, manufacturing, retail, and
services. The local economy benefits from its position as a regional hub for southeastern
Manitoba. Steinbach is known for its strong community spirit and active civic
engagement. Events like the Summer in the City festival and local sports leagues
contribute to the vibrant social life of the city.

Objective of the project:


We Serve Freight Management, Logistics Management, Fleet Maintenance, provincial,
national and global markets. A SRR Transport is ordinarily characterized as a weight or
shipment that will require the swank utilization trailer or containers.
Clients use SRR Transport for different motivations to limit costs for bigger shipments, to
exploit immediate and speedy travel times, to confine taking care of and diminish the
danger of harms. We use our thorough exhibit of services to guarantee end-to-end
perfection in taking care of your products, from transportation to warehousing and at each
touchpoint in the middle.

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Profile of the Promoter

Ramandeep Athwal
265 Glenridding Ravine Road SW
Edmonton, Alberta T6W 5C3
+1 (204) 905-1001, [email protected]

Experience

Associate Realtor,
RE/MAX ELITE January 2024 – Present
In my role as an Associate Realtor with RE/MAX ELITE in Edmonton since January 2024, I've
played a pivotal role in facilitating successful real estate transactions. Drawing on my deep
understanding of the local market dynamics, I've adeptly represented both buyers and
sellers, guiding them through the intricacies of property valuation, negotiation, and
finalization. By employing innovative marketing techniques and staying abreast of the latest
industry trends, I've consistently surpassed client expectations, garnering a reputation for
delivering exceptional results. My unwavering commitment to providing tailored solutions
and staying attuned to evolving market conditions has earned me the trust of clients and
peers alike within the Edmonton real estate community.

Associate Realtor, Century 21 Bravo Realty


November 2021 – January 2024
During my tenure as an Associate Realtor with Century 21 Bravo Realty from November
2021 to January 2024, I honed my skills and achieved significant milestones in the real
estate industry. I effectively represented clients in buying and selling properties, leveraging
my expertise to navigate them through the complex real estate process with confidence
and success. By staying informed about market trends, utilizing innovative marketing
strategies, and providing personalized service, I consistently exceeded client expectations

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and earned their trust. My time at Century 21 Bravo Realty was marked by a dedication to
professionalism, integrity, and delivering exceptional results for my clients.

Director, SRR Transport


May 2016 – Present
As the Director of SRR Transport since 2016, I have successfully overseen all aspects of
transportation operations, ensuring efficiency and reliability in service delivery. My
responsibilities include strategic planning, financial management, and regulatory
compliance. By implementing innovative logistical solutions and fostering strong
relationships with clients and stakeholders, I have contributed to the sustained growth and
success of the company.

Education
Diploma in Business Management Della International College, Melbourne, Australia.

Shivdeep Sandhu
Entrepreneur - Phone: 204-905-0777 & E-mail: [email protected]

Summary
Dynamic entrepreneur with 7+ years’ experience, skilled in business development. Looking
for further growth opportunities and expanding the operations of the company.

Experience

Small Business Owner


SRR Transport – Steinbach, MB
December 2015–present

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• Started the company with a single truck in 2015.
• Grown from single truck to a fleet of 20 plus trucks and trailers.
• Hired and trained 50 + drivers from 2016 till date.
• Handling a team of 20+ employees at present. • Grew annual turnover by 20% on average
from 2016 to 2022.

Job Experience
Big Freight Systems Inc – Steinbach,MB
August 2012 – November 2015
• Got the opportunity to work as a Long-haul truck driver in Aug 2012.
• Moved to Steinbach and started working with Big Freight.
• Worked as a in-cab trainer also

Education
Diploma in Petroleum Engineering
Northern Alberta Institute of Technology, Edmonton, AB
2010–2012
B.Tech Electrical Engineering
Amritsar College of Engineering and Technology, Amritsar, India
2005-2009

The Economic Significance of the Project

The envisaged project deemed to contribute to the economic development of the region in
general and the district/zone in specific with following ways:

1. Provide better service

By providing quality services, the project will satisfy the demand of the customers.

2. Source Of Revenue

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As public policy of any nation, the government collects different forms of taxes from
different business organizations and individuals. Among the different forms of taxes,
business income taxes and payroll taxes are collected from undertaking business activities.
Therefore, the project has been serving sources of revenue for regional government.
3. Employment Opportunity

One of the problems that every country faced is unemployment. Therefore, the current
objective of the government is working on tackling the problem of unemployment and
fostering the development process either through creating self-employment or
employment in other organization. In this regard, project had hired 5 employees.

4. Benefit For Local Community

Apart from employment opportunity for local community, as a corporate responsibility the
project has been engaged in different development activities. This will better worth the
community in particular and contribute for the development of the nation as a whole.

5. Stimulate The Local Economy

The project will increase economic relationship and transactions among different actors in
the local economy.

Players in Transport Industry

Steinbach, Manitoba, although not a major urban center, has several players in the
transportation industry that cater to the city and its surrounding region. Here are some key
players:

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1. Local Trucking Companies: There are several local trucking companies based in
Steinbach that provide transportation services for various goods. These companies
typically handle local deliveries as well as regional transportation needs.
2. Logistics and Freight Companies: Some companies in Steinbach specialize in logistics
and freight forwarding services. They coordinate transportation, storage, and
distribution of goods for businesses in the area.
3. Public Transportation: Steinbach Transit operates the local bus service in the city,
providing public transportation for residents. The service connects various parts of
the city and is essential for commuting and local travel.
4. Courier Services: Courier companies operate in Steinbach, offering delivery services
for parcels and packages within the city and beyond. These services cater to both
residential and commercial customers.
5. Vehicle Dealerships and Services: Automotive dealerships and service centers in
Steinbach play a role in the transportation industry by selling and maintaining
vehicles. They contribute to local transportation needs and infrastructure.
6. Freight and Shipping Services: Companies specializing in freight and shipping
operate in Steinbach to facilitate the movement of goods both locally and beyond.
They provide crucial logistical support to businesses in the area, ensuring efficient
supply chain management.
7. Moving and Storage Companies: Steinbach is home to moving and storage
companies that assist residents and businesses with relocating belongings. These
companies offer services such as packing, transportation, and storage solutions,
catering to both local and long-distance moves.
8. Vehicle Rental Services: Rental companies in Steinbach provide options for renting
cars, trucks, and other vehicles. These services are utilized by residents and
businesses for short-term transportation needs, such as moving furniture or
traveling.

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9. Construction and Heavy Equipment Services: Some businesses in Steinbach focus on
renting and servicing construction equipment and heavy machinery. They support
local construction projects and infrastructure development by providing essential
equipment and transportation solutions.
10. Taxi Services: Local taxi companies operate in Steinbach, offering on-demand
transportation services to residents and visitors. These services provide a convenient
mode of transportation within the city and to nearby locations.

Ministry of Transportation

The Ministry of Transportation in Steinbach, Manitoba, is responsible for overseeing various


aspects of transportation within the region. This typically includes road infrastructure,
highway maintenance, public transportation, and sometimes vehicle registration and
licensing services. Ministry of Transportation of Steinbach, Manitoba is state level ministry
that accounts for transport infrastructure and related laws. Ministry of transportation
plans, designs and implements various construction activities. It is also responsible for
improving road network. Rehabilitation and maintenance are also key responsibilities of
Ministry of transportation. Ministry of transportation also provides technical as well as
financial support for restoration and improvement of road network. It creates and
implements new rules for transportation safety. Ministry of transport supports transport of
goods and it tries to improve the efficiency of a single trip made with more than one
transport mode.

1. Responsibilities: The ministry is tasked with maintaining and managing the provincial
road network, ensuring road safety, overseeing public transportation, and promoting
efficient transportation systems.

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2. Services: Common services provided include issuing driver's licenses, vehicle
registration, road construction and maintenance, traffic management, and
promoting safe driving practices.
3. Local Office: There may be a local office or service center in Steinbach where
residents can access these services. It's advisable to check the official Manitoba
government website or contact them directly for specific locations and services
offered.
4. Online Services: Many services, such as renewing driver's licenses or vehicle
registration, can often be done online through the province's official website, which
provides convenience for residents.
5. Contact Information: For inquiries or specific questions, contacting the Ministry of
Transportation's local office in Steinbach or accessing their official website would be
the best course of action.

Transport Association

In Steinbach, Manitoba, the transport industry is an essential component of the local


economy and infrastructure.

1. Local Chamber of Commerce: The Steinbach Chamber of Commerce may be a


valuable resource. While not exclusively focused on transportation, chambers often
support businesses across all sectors, including transportation. They can provide
networking opportunities, advocacy, and information relevant to local businesses in
the transport sector.
2. Provincial Associations: Manitoba Trucking Association (MTA) represents the
trucking industry across Manitoba, including areas like Steinbach. They advocate for
trucking-related issues, offer training programs, and provide resources for members.

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Even though Steinbach-specific information might not be highlighted, they could still
be relevant due to their provincial scope.

3. Networking and Events: Keeping an eye on local business networking events,


industry conferences, or seminars in Steinbach may provide opportunities to connect
with professionals and businesses in the transportation sector.
4. Local Government Resources: The City of Steinbach or the Manitoba provincial
government's local offices may also have information or resources related to the
transportation industry within Steinbach.

International Road Transport Union (IRU)

The International Road Transport Union (IRU) is a global industry association representing
the road transport sector, including companies, operators, and associations involved in
international transport. It focuses on promoting and facilitating the movement of goods
and people across borders through road transport.

Regarding Steinbach, Manitoba, the presence or involvement of the IRU specifically in this
locality might not be directly apparent or widely documented, as the IRU primarily operates
at an international level and focuses on policy advocacy, standards, and industry
cooperation globally.

1. Local Associations: While the IRU may not have a direct presence in Steinbach, local
transport associations in Manitoba, such as the Manitoba Trucking Association, may
provide information on international transport issues affecting the region.
2. Regulatory Compliance: Understanding international transport regulations and
compliance standards set by bodies like the IRU can be crucial for companies in
Steinbach engaged in cross-border transport.

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3. Trade and Logistics: Given Manitoba's strategic location in Canada, understanding
international road transport dynamics can be critical for businesses involved in trade
and logistics, even at a regional level.
4. Global Standards: The IRU's guidelines and best practices for road transport can
influence industry standards and operational practices, potentially impacting
companies involved in international transport from Steinbach.

Road Transport Market Trend

1. Economic Factors: The demand for road transport services in Steinbach is influenced
by the local economic conditions. Factors such as industrial activity, agriculture
output, and consumer spending can impact transportation needs.
2. Infrastructure Development: Investments in infrastructure, including roads and
highways, can affect the efficiency and demand for road transport services.
Improvements in infrastructure often lead to increased transportation activity.
3. Technological Advancements: Like in many places, advancements in technology,
such as GPS tracking, logistics software, and vehicle telematics, are likely shaping the
efficiency and competitiveness of road transport services in Steinbach.
4. Environmental Regulations: Regulations related to emissions and environmental
impact can influence the types of vehicles and fuels used in road transport.
Awareness and compliance with these regulations are important for companies
operating in the area.
5. Market Competition: The competitiveness of the road transport market in Steinbach
depends on factors such as the number of transport companies, their service
offerings, pricing strategies, and customer service quality.
6. Population Growth : The population growth in Steinbach can lead to increased
demand for road transport services, including public transportation and freight
transport.

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7. Trade Associations and Chambers of Commerce: Contacting local trade associations
or chambers of commerce can provide information on local businesses involved in

road transport, networking opportunities, and sometimes access to market research


conducted within the industry.

COMPETITORS' STRENGTHS AND WEAKNESSES

SWOT Analysis
The following SWOT analysis captures the key strengths and weaknesses within the
company, and describes the opportunities and threats.

Strengths:

1. Strategic Location: Steinbach's proximity to major highways (like Highway 12 and the
Trans-Canada Highway) facilitates efficient transport logistics, connecting it to larger
regional and national markets.
2. Local Expertise: Presence of skilled labor force and experienced transport companies
specializing in various types of freight, including agricultural and industrial goods.
3. Supportive Infrastructure: Adequate infrastructure such as warehousing facilities,
trucking terminals, and intermodal connections that support efficient logistics
operations.
4. Strong Agricultural Base: Manitoba's significant agricultural sector provides a steady
flow of goods for transport, including grain, livestock, and agri-products.

Weaknesses:

1. Dependence on Weather: Seasonal weather conditions, especially during winter


months, can impact transportation efficiency and increase operational costs.

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2. Limited Air Cargo Options: Reliance primarily on road transport due to limited direct
air cargo connections from Steinbach, which can constrain logistics options for time-
sensitive shipments.
3. Scale of Operations: Being a smaller city, potential limitations in economies of scale
compared to larger urban centers for logistics operations.

Opportunities:

1. Technological Integration: Adoption of advanced logistics technologies such as GPS


tracking, route optimization software, and warehouse management systems to
enhance operational efficiency.
2. E-commerce Growth: Increasing demand for e-commerce presents opportunities for
logistics companies in Steinbach to handle last-mile delivery and fulfillment services.
3. Expansion of Trade Routes: Growth in international trade agreements and export
opportunities, leveraging Steinbach’s strategic location for cross-border logistics.
4. Green Logistics: Embracing sustainable practices in logistics operations, such as using
alternative fuels and optimizing transport routes to reduce environmental impact.

Threats:

1. Regulatory Changes: Changes in regulations related to transportation, including


emissions standards and driver regulations, which could increase compliance costs.
2. Competitive Pressure: Competition from larger logistics firms with broader service
offerings and economies of scale.
3. Economic Uncertainty: Fluctuations in economic conditions, including changes in
fuel prices and interest rates, impacting operational costs and profitability.
4. Infrastructure Constraints: Limitations in local infrastructure development, such as
roads or rail connections, affecting transport efficiency and capacity.

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This SWOT analysis provides a structured framework to identify key factors influencing the
transport logistics industry in Steinbach, Manitoba, helping stakeholders to strategize and
mitigate risks while capitalizing on opportunities for growth.

Road Transport Infrastructure

Steinbach, Manitoba, benefits from a well-developed road transport infrastructure that


supports local and regional connectivity. Here are some key aspects of the road transport
infrastructure in Steinbach:

1. Highway Network:

• Provincial Highways: Steinbach is primarily served by Provincial Trunk Highway


12 (PTH 12), which connects the city to Winnipeg and other regional centers.
PTH 12 provides crucial north-south connectivity.
• Trans-Canada Highway: While not passing directly through Steinbach, the Trans-
Canada Highway (PTH 1) is accessible nearby, facilitating east-west transport
across Canada.

2. Local Roads and Connectivity:

• Steinbach has a network of local roads and streets that are maintained by the
city and provide access to residential, commercial, and industrial areas.
• Industrial areas and logistics hubs within and around Steinbach are typically
well-connected to major highways, supporting efficient freight movement.

3. Intermodal and Logistics Facilities:

• While Steinbach itself may not have large-scale intermodal facilities, nearby
regions such as Winnipeg offer access to rail and air freight options,
complementing road transport services.

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• Local logistics facilities include warehousing, distribution centers, and trucking
terminals that support the storage and movement of goods.

4. Infrastructure Maintenance and Upgrades:

• The Manitoba government regularly invests in maintaining and upgrading the


provincial highway network, including sections relevant to Steinbach. This
ensures road safety, reliability, and capacity improvements over time.

5. Challenges and Considerations:

• Seasonal Factors: Like much of Manitoba, Steinbach experiences challenging


winter conditions that can impact road transport reliability and necessitate
ongoing maintenance efforts.
• Growth and Development: With continued urban and industrial growth in
Steinbach and surrounding areas, there's a need to assess and possibly expand
road infrastructure to accommodate increased traffic and logistical demands.

For stakeholders in logistics and transportation in Steinbach, understanding the road


transport infrastructure and its capabilities is essential for optimizing operations, managing
logistics flows, and planning for future growth and development.

Road Transport opportunities and contraints

Steinbach, Manitoba, like many smaller communities, has its own unique opportunities and
constraints when it comes to road transport:

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Opportunities:

1. Strategic Location: Steinbach is strategically located on Highway 12, which connects


it to Winnipeg (the provincial capital) and other major cities in Manitoba. This
facilitates easy transportation of goods and services to and from the city.
2. Transportation Hub: It serves as a transportation hub for southeastern Manitoba,
connecting smaller communities in the region to larger urban centers.
3. Economic Development: Improved road infrastructure can attract businesses and
industries to the area, boosting economic development and creating job
opportunities.
4. Tourism Potential: Better road connections can enhance tourism by making
attractions in and around Steinbach more accessible to visitors.
5. Quality of Life: Improved road transport infrastructure can enhance the quality of
life for residents by reducing commute times and improving overall connectivity
within the region.

Constraints:

1. Seasonal Challenges: Manitoba experiences harsh winters, which can lead to road
closures, reduced visibility, and hazardous driving conditions. This poses challenges
for maintaining year-round transport efficiency.
2. Infrastructure Limitations: Funding and resources for road infrastructure
improvements may be limited, especially in smaller communities like Steinbach. This
can hinder efforts to upgrade and maintain roads to meet increasing demands.
3. Traffic Congestion: As Steinbach grows, traffic congestion could become an issue,
especially on major routes like Highway 12. Managing traffic flow and ensuring road
safety will be crucial.

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4. Environmental Impact: Increased road transport can lead to environmental concerns
such as air pollution and habitat fragmentation. Balancing development with
environmental sustainability is important.
5. Costs: Implementing and maintaining efficient road transport systems can be costly,
and funding constraints may limit the ability to address all infrastructure needs in a
timely manner.

In conclusion, while Steinbach benefits from its strategic location and potential for
economic growth through improved road transport, it also faces challenges related to
seasonal weather, infrastructure limitations, traffic congestion, environmental impact, and
funding constraints. Addressing these challenges requires careful planning, investment in
infrastructure, and sustainable development practices to maximize the benefits of road
transport while mitigating its drawbacks.

Marketing Promotion and Strategy

Developing a marketing promotion and strategy for trucking services in Steinbach,


Manitoba, involves understanding the local market dynamics and effectively reaching
potential customers. Here’s a structured approach to crafting such a strategy:

1. Market Research and Analysis:

• Target Audience: Identify the key industries and businesses in Steinbach and
surrounding areas that require trucking services. This could include agriculture,
manufacturing, retail, and distribution sectors.
• Competitive Analysis: Understand the existing trucking companies operating in the
area, their strengths, weaknesses, and service offerings.
• Customer Needs: Determine the specific transportation needs of potential
customers, such as specialized equipment requirements, delivery schedules, and
service reliability.

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2. Unique Selling Proposition (USP):

• Define what sets your trucking services apart from competitors. This could be based
on factors like reliability, speed of delivery, competitive pricing, specialized
equipment, or superior customer service.

3.Branding and Messaging:

• Develop a strong brand identity that resonates with your target audience. Emphasize
reliability, safety, and efficiency in your messaging.
• Create a memorable logo and tagline that communicates your core values and USP.

4. Promotional Channels:

• Online Presence: Our professional website that showcases all services, fleet, and
customer testimonials. We Optimize it for local SEO to attract traffic from businesses
searching for trucking services in Steinbach.
• Social Media: Use platforms like LinkedIn and Facebook to share updates, success
stories, and engage with potential customers.
• Networking: Attend local business networking events, trade shows, and industry
conferences to establish connections and generate leads.
• Partnerships: Collaborate with local businesses and industries that require regular
transportation services. Offer special deals or incentives for referrals.

5. Advertising Campaigns:

• Digital Advertising: Utilize Google Ads and social media ads to target businesses in
Steinbach searching for trucking solutions.

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• Traditional Advertising: Consider local newspaper ads, radio spots, or sponsoring
community events to increase brand visibility.

6. Customer Relationship Management (CRM):

• Implement a CRM system to manage customer interactions, track inquiries, and


follow up on leads effectively.
• Focus on building long-term relationships through excellent service and personalized
communication.

7. Customer Reviews and Testimonials:

• Encourage satisfied customers to leave reviews and testimonials on your website


and social media platforms. Positive feedback can significantly influence potential
customers’ decisions.

8. Monitoring and Evaluation:

• Continuously monitor the effectiveness of your marketing efforts. Track metrics such
as website traffic, conversion rates, and customer acquisition costs.
• Adjust your strategy based on feedback and performance data to optimize results.

By implementing a well-rounded marketing promotion and strategy tailored to the specific


needs and challenges of the trucking industry in Steinbach, Manitoba, we can effectively
attract and retain customers while differentiating your services from competitors.

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Location and Premises

A. Project Location
The envisioned project will locate in, 10 Castlerock Cove, Steinbach, MB.
R5G 2B1

Location Map of the area

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FINANCIAL ANALYSIS

The revenue we will generate will come from providing regular transportation services to
our customers, and additional revenue will be generated from special events held at our
business premises and advertising.

Our parking expenses will be completely eliminated, which will allow us to generate more
revenue. The following projection shows achieve good sales and profits.

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Projected Projected Projected Projected Projected Projected Projected Projected
Particular Year Ended Year Ended Year Ended Year Ended Year Ended Year Ended Year Ended Year Ended
Sep 30, 2024 Oct 31, 2024 Nov 30, 2024 Dec 31, 2024 Jan 31, 2025 Feb 28, 2025 Mar 31, 2025 Apr 30, 2025
1st Month 2nd Month 3rd Month 4th Month 5th Month 6th Month 7th Month 8th Month

Revenues:
Sales $ 4,59,923 $ 4,63,740 $ 4,67,589 $ 4,71,470 $ 4,75,383 $ 4,79,329 $ 4,83,307 $ 4,87,319

Total Revenue (A) $ 4,59,923 $ 4,63,740 $ 4,67,589 $ 4,71,470 $ 4,75,383 $ 4,79,329 $ 4,83,307 $ 4,87,319

Cost of Goods Sold:


Purchases/ cost of material $ 1,281 $ 1,291 $ 1,301 $ 1,310 $ 1,320 $ 1,330 $ 1,340 $ 1,350

Cost os Sale (B) $ 1,281 $ 1,291 $ 1,301 $ 1,310 $ 1,320 $ 1,330 $ 1,340 $ 1,350

Operating Expenses :

Advertising and Promotion $ 477 $ 479 $ 481 $ 483 $ 485 $ 487 $ 489 $ 491
Accounting & Legal $ 180 $ 180 $ 180 $ 181 $ 181 $ 181 $ 181 $ 182
Business taxes,licenses and memberships $ 5,601 $ 5,615 $ 5,629 $ 5,643 $ 5,657 $ 5,671 $ 5,685 $ 5,700
Computer/Internet Expenses $ 18 $ 25 $ 38 $ 40 $ 42 $ 48 $ 55 $ 58
Donation/charity $ 460 $ 461 $ 462 $ 463 $ 464 $ 465 $ 466 $ 468
Equipment Rental $ 29,431 $ 29,505 $ 29,579 $ 29,653 $ 29,727 $ 29,801 $ 29,876 $ 29,950
Freight Expenses $ 381 $ 382 $ 383 $ 384 $ 385 $ 386 $ 387 $ 388
Fuel $ 1,32,171 $ 1,32,727 $ 1,33,284 $ 1,33,844 $ 1,34,406 $ 1,34,970 $ 1,35,537 $ 1,36,107
Insurance Expenses $ 26,418 $ 26,529 $ 26,641 $ 26,753 $ 26,865 $ 26,978 $ 27,091 $ 27,205
Meals and entertainment $ 699 $ 700 $ 701 $ 702 $ 703 $ 705 $ 706 $ 707
Motor Vehicle Expenses $ 397 $ 398 $ 399 $ 400 $ 401 $ 402 $ 403 $ 404
Office expenses $ 2,582 $ 2,589 $ 2,595 $ 2,602 $ 2,608 $ 2,615 $ 2,621 $ 2,628
Parking Fees $ - $ - $ - $ - $ - $ - $ - $ -
Property taxes $ 100 $ 100 $ 101 $ 101 $ 102 $ 102 $ 103 $ 103
Repairs and Maintenance $ 32,977 $ 33,116 $ 33,255 $ 33,395 $ 33,535 $ 33,676 $ 33,817 $ 33,959
Supplies $ 303 $ 303 $ 304 $ 305 $ 306 $ 306 $ 307 $ 308
Salaries & Wages $ 72,772 $ 73,077 $ 73,384 $ 73,692 $ 74,002 $ 74,313 $ 74,625 $ 74,938
Sub- Contracts $ 1,07,780 $ 1,08,232 $ 1,08,687 $ 1,09,143 $ 1,09,602 $ 1,10,062 $ 1,10,524 $ 1,10,988
Travel Expenses $ 363 $ 364 $ 366 $ 367 $ 368 $ 369 $ 371 $ 372
Telephone and Telecommunications $ 810 $ 812 $ 814 $ 816 $ 818 $ 820 $ 822 $ 824
Training Expenses $ 1,765 $ 1,770 $ 1,774 $ 1,778 $ 1,783 $ 1,787 $ 1,792 $ 1,796
WCB Expenses $ 788 $ 790 $ 792 $ 794 $ 796 $ 798 $ 800 $ 802

Total Operating Expenses (C) $ 4,16,473 $ 4,18,154 $ 4,19,848 $ 4,21,538 $ 4,23,235 $ 4,24,943 $ 4,26,659 $ 4,28,378

Earning Before Interest, Taxes & Amortaization


$ 42,168.80 $ 44,295.18 $ 46,440.33 $ 48,621.48 $ 50,827.86 $ 53,055.71 $ 55,308.28 $ 57,590.80
(D = A-B-C)
(%age on Turnover) 9.17% 9.55% 9.93% 10.31% 10.69% 11.07% 11.44% 11.82%

Amortization of tangible assets $ - $ - $ - $ - $ - $ - $ - $ -


Existing Interest Expenses $ 9,023 $ 8,942 $ 8,861 $ 8,782 $ 8,703 $ 8,624 $ 8,547 $ 8,470
Proposed Interest Expenses $ 18,600 $ 18,600 $ 18,600 $ 18,600 $ 18,600 $ 18,600 $ 18,600 $ 18,600

Net Income (Loss) After Interest, & before


Taxes $ 14,546 $ 16,753 $ 18,979 $ 21,239 $ 23,525 $ 25,832 $ 28,161 $ 30,521
(%age on Turnover) 3.16% 3.61% 4.06% 4.50% 4.95% 5.39% 5.83% 6.26%

Tax Paid $ 3,200 $ 3,686 $ 4,175 $ 4,673 $ 5,175 $ 5,683 $ 6,195 $ 6,715

Net Income (Loss) After Interest, & before


$ 11,346 $ 13,067 $ 14,804 $ 16,567 $ 18,349 $ 20,149 $ 21,966 $ 23,806
Taxes (C = A - B)
(%age on Turnover) 2.47% 2.82% 3.17% 3.51% 3.86% 4.20% 4.54% 4.89%
Projected Projected Projected Projected Projected Projected
Particular Year Ended Year Ended Year Ended Year Ended Year Ended Year Ended
May 31, 2025 June 30, 2025 July 31, 2025 Aug 31, 2025 Sep 30, 2025 Oct 31, 2025
9th Month 10th Month 11th Month 12th Month 13th Month 14th Month

Revenues:
Sales $ 4,91,364 $ 4,95,442 $ 4,99,554 $ 5,03,700 $ 5,07,881 $ 5,12,096

Total Revenue (A) $ 4,91,364 $ 4,95,442 $ 4,99,554 $ 5,03,700 $ 5,07,881 $ 5,12,096

Cost of Goods Sold:


Purchases/ cost of material $ 1,360 $ 1,370 $ 1,381 $ 1,391 $ 1,401 $ 1,412

Cost os Sale (B) $ 1,360 $ 1,370 $ 1,381 $ 1,391 $ 1,401 $ 1,412

Operating Expenses :

Advertising and Promotion $ 493 $ 495 $ 497 $ 499 $ 501 $ 503


Accounting & Legal $ 182 $ 182 $ 183 $ 183 $ 183 $ 184
Business taxes,licenses and memberships $ 5,714 $ 5,728 $ 5,742 $ 5,757 $ 5,771 $ 5,786
Computer/Internet Expenses $ 69 $ 75 $ 82 $ 97 $ 103 $ 111
Donation/charity $ 469 $ 470 $ 471 $ 472 $ 474 $ 475
Equipment Rental $ 30,025 $ 30,100 $ 30,176 $ 30,251 $ 30,327 $ 30,402
Freight Expenses $ 389 $ 390 $ 391 $ 392 $ 393 $ 394
Fuel $ 1,36,678 $ 1,37,252 $ 1,37,829 $ 1,38,408 $ 1,38,989 $ 1,39,573
Insurance Expenses $ 27,319 $ 27,434 $ 27,549 $ 27,665 $ 27,781 $ 27,898
Meals and entertainment $ 708 $ 709 $ 711 $ 712 $ 713 $ 714
Motor Vehicle Expenses $ 405 $ 406 $ 407 $ 408 $ 409 $ 410
Office expenses $ 2,634 $ 2,641 $ 2,648 $ 2,654 $ 2,661 $ 2,668
Parking Fees $ - $ - $ - $ - $ - $ -
Property taxes $ 104 $ 104 $ 105 $ 105 $ 106 $ 106
Repairs and Maintenance $ 34,102 $ 34,245 $ 34,389 $ 34,533 $ 34,678 $ 34,824
Supplies $ 309 $ 309 $ 310 $ 311 $ 312 $ 313
Salaries & Wages $ 75,253 $ 75,569 $ 75,886 $ 76,205 $ 76,525 $ 76,847
Sub- Contracts $ 1,11,455 $ 1,11,923 $ 1,12,393 $ 1,12,865 $ 1,13,339 $ 1,13,815
Travel Expenses $ 373 $ 374 $ 375 $ 377 $ 378 $ 379
Telephone and Telecommunications $ 826 $ 828 $ 830 $ 832 $ 835 $ 837
Training Expenses $ 1,801 $ 1,805 $ 1,810 $ 1,814 $ 1,819 $ 1,823
WCB Expenses $ 804 $ 806 $ 808 $ 810 $ 812 $ 814

Total Operating Expenses (C) $ 4,30,112 $ 4,31,848 $ 4,33,592 $ 4,35,351 $ 4,37,108 $ 4,38,875

Earning Before Interest, Taxes & Amortaization


$ 59,891.53 $ 62,223.70 $ 64,581.57 $ 66,958.39 $ 69,371.41 $ 71,809.88
(D = A-B-C)
(%age on Turnover) 12.19% 12.56% 12.93% 13.29% 13.66% 14.02%

Amortization of tangible assets $ - $ - $ - $ - $ - $ -


Existing Interest Expenses $ 8,393 $ 8,318 $ 8,243 $ 8,169 $ 8,095 $ 8,022
Proposed Interest Expenses $ 18,600 $ 18,600 $ 18,600 $ 18,600 $ 18,600 $ 18,600

Net Income (Loss) After Interest, & before


Taxes $ 32,899 $ 35,306 $ 37,739 $ 40,189 $ 42,676 $ 45,188
(%age on Turnover) 6.70% 7.13% 7.55% 7.98% 8.40% 8.82%

Tax Paid $ 7,238 $ 7,767 $ 8,302 $ 8,842 $ 9,389 $ 9,941

Net Income (Loss) After Interest, & before


$ 25,661 $ 27,538 $ 29,436 $ 31,348 $ 33,288 $ 35,247
Taxes (C = A - B)
(%age on Turnover) 5.22% 5.56% 5.89% 6.22% 6.55% 6.88%
Projected Projected Projected Projected Projected Projected
Particular Year Ended Year Ended Year Ended Year Ended Year Ended Year Ended
Nov 30, 2025 Dec 31, 2025 Jan 31, 2026 Feb 28, 2026 Mar 31, 2026 Apr 30, 2026
15th Month 16th Month 17th Month 18th Month 19th Month 20th Month

Revenues:
Sales $ 5,16,347 $ 5,20,633 $ 5,24,954 $ 5,29,311 $ 5,33,704 $ 5,38,134

Total Revenue (A) $ 5,16,347 $ 5,20,633 $ 5,24,954 $ 5,29,311 $ 5,33,704 $ 5,38,134

Cost of Goods Sold:


Purchases/ cost of material $ 1,423 $ 1,433 $ 1,444 $ 1,455 $ 1,466 $ 1,477

Cost os Sale (B) $ 1,423 $ 1,433 $ 1,444 $ 1,455 $ 1,466 $ 1,477

Operating Expenses :

Advertising and Promotion $ 505 $ 507 $ 510 $ 512 $ 514 $ 516


Accounting & Legal $ 184 $ 184 $ 184 $ 185 $ 185 $ 185
Business taxes,licenses and memberships $ 5,800 $ 5,815 $ 5,829 $ 5,844 $ 5,858 $ 5,873
Computer/Internet Expenses $ 118 $ 126 $ 132 $ 176 $ 199 $ 212
Donation/charity $ 476 $ 477 $ 478 $ 479 $ 481 $ 482
Equipment Rental $ 30,478 $ 30,555 $ 30,631 $ 30,708 $ 30,784 $ 30,861
Freight Expenses $ 395 $ 396 $ 397 $ 398 $ 399 $ 400
Fuel $ 1,40,159 $ 1,40,748 $ 1,41,339 $ 1,41,932 $ 1,42,528 $ 1,43,127
Insurance Expenses $ 28,015 $ 28,132 $ 28,251 $ 28,369 $ 28,488 $ 28,608
Meals and entertainment $ 715 $ 717 $ 718 $ 719 $ 720 $ 722
Motor Vehicle Expenses $ 411 $ 412 $ 413 $ 414 $ 416 $ 417
Office expenses $ 2,674 $ 2,681 $ 2,688 $ 2,694 $ 2,701 $ 2,708
Parking Fees $ - $ - $ - $ - $ - $ -
Property taxes $ 107 $ 107 $ 108 $ 108 $ 109 $ 110
Repairs and Maintenance $ 34,970 $ 35,117 $ 35,265 $ 35,413 $ 35,561 $ 35,711
Supplies $ 313 $ 314 $ 315 $ 316 $ 316 $ 317
Salaries & Wages $ 77,169 $ 77,493 $ 77,819 $ 78,146 $ 78,474 $ 78,804
Sub- Contracts $ 1,14,293 $ 1,14,773 $ 1,15,255 $ 1,15,739 $ 1,16,225 $ 1,16,713
Travel Expenses $ 380 $ 382 $ 383 $ 384 $ 385 $ 387
Telephone and Telecommunications $ 839 $ 841 $ 843 $ 845 $ 847 $ 849
Training Expenses $ 1,828 $ 1,833 $ 1,837 $ 1,842 $ 1,846 $ 1,851
WCB Expenses $ 817 $ 819 $ 821 $ 823 $ 825 $ 827

Total Operating Expenses (C) $ 4,40,647 $ 4,42,428 $ 4,44,214 $ 4,46,046 $ 4,47,863 $ 4,49,678

Earning Before Interest, Taxes & Amortaization


$ 74,277.07 $ 76,771.23 $ 79,295.63 $ 81,810.53 $ 84,375.20 $ 86,978.91
(D = A-B-C)
(%age on Turnover) 14.39% 14.75% 15.11% 15.46% 15.81% 16.16%

Amortization of tangible assets $ - $ -


Existing Interest Expenses $ 7,950 $ 7,879 $ 7,808 $ 7,738 $ 7,668 $ 7,599
Proposed Interest Expenses $ 18,600 $ 18,600 $ 18,600 $ 18,600 $ 18,600 $ 18,534

Net Income (Loss) After Interest, & before


Taxes $ 47,727 $ 50,292 $ 52,888 $ 55,473 $ 58,107 $ 60,846
(%age on Turnover) 9.24% 9.66% 10.07% 10.48% 10.89% 11.31%

Tax Paid $ 10,500 $ 11,064 $ 11,635 $ 12,204 $ 12,784 $ 13,386

Net Income (Loss) After Interest, & before


$ 37,227 $ 39,228 $ 41,252 $ 43,269 $ 45,324 $ 47,460
Taxes (C = A - B)
(%age on Turnover) 7.21% 7.53% 7.86% 8.17% 8.49% 8.82%
Projected Projected Projected Projected Projected Projected
Particular Year Ended Year Ended Year Ended Year Ended Year Ended Year Ended
May 31, 2026 June 30, 2026 July 31, 2026 Aug 31, 2026 Sep 30, 2026 Oct 31, 2026
21st Month 22nd Month 23rd Month 24th Month 25th Month 26th Month

Revenues:
Sales $ 5,42,600 $ 5,47,104 $ 5,51,645 $ 5,56,224 $ 5,60,840 $ 5,65,495

Total Revenue (A) $ 5,42,600 $ 5,47,104 $ 5,51,645 $ 5,56,224 $ 5,60,840 $ 5,65,495

Cost of Goods Sold:


Purchases/ cost of material $ 1,488 $ 1,499 $ 1,510 $ 1,522 $ 1,533 $ 1,544

Cost os Sale (B) $ 1,488 $ 1,499 $ 1,510 $ 1,522 $ 1,533 $ 1,544

Operating Expenses :

Advertising and Promotion $ 518 $ 520 $ 523 $ 525 $ 527 $ 529


Accounting & Legal $ 186 $ 186 $ 186 $ 186 $ 187 $ 187
Business taxes,licenses and memberships $ 5,888 $ 5,902 $ 5,917 $ 5,932 $ 5,947 $ 5,962
Computer/Internet Expenses $ 232 $ 245 $ 269 $ 289 $ 296 $ 308
Donation/charity $ 483 $ 484 $ 486 $ 487 $ 488 $ 489
Equipment Rental $ 30,939 $ 31,016 $ 31,093 $ 31,171 $ 31,249 $ 31,327
Freight Expenses $ 401 $ 402 $ 403 $ 404 $ 405 $ 406
Fuel $ 1,43,728 $ 1,44,332 $ 1,44,938 $ 1,45,547 $ 1,46,158 $ 1,46,772
Insurance Expenses $ 28,728 $ 28,849 $ 28,970 $ 29,092 $ 29,214 $ 29,337
Meals and entertainment $ 723 $ 724 $ 725 $ 726 $ 728 $ 729
Motor Vehicle Expenses $ 418 $ 419 $ 420 $ 421 $ 422 $ 423
Office expenses $ 2,715 $ 2,721 $ 2,728 $ 2,735 $ 2,742 $ 2,749
Parking Fees $ - $ - $ - $ - $ - $ -
Property taxes $ 110 $ 111 $ 111 $ 112 $ 112 $ 113
Repairs and Maintenance $ 35,861 $ 36,011 $ 36,163 $ 36,314 $ 36,467 $ 36,620
Supplies $ 318 $ 319 $ 320 $ 320 $ 321 $ 322
Salaries & Wages $ 79,135 $ 79,467 $ 79,801 $ 80,136 $ 80,472 $ 80,810
Sub- Contracts $ 1,17,204 $ 1,17,696 $ 1,18,190 $ 1,18,686 $ 1,19,185 $ 1,19,686
Travel Expenses $ 388 $ 389 $ 391 $ 392 $ 393 $ 394
Telephone and Telecommunications $ 851 $ 854 $ 856 $ 858 $ 860 $ 862
Training Expenses $ 1,856 $ 1,860 $ 1,865 $ 1,869 $ 1,874 $ 1,879
WCB Expenses $ 829 $ 831 $ 833 $ 835 $ 837 $ 839

Total Operating Expenses (C) $ 4,51,508 $ 4,53,338 $ 4,55,186 $ 4,57,038 $ 4,58,884 $ 4,60,743

Earning Before Interest, Taxes & Amortaization


$ 89,604.93 $ 92,267.53 $ 94,948.99 $ 97,664.59 $ 1,00,423.61 $ 1,03,208.33
(D = A-B-C)
(%age on Turnover) 16.51% 16.86% 17.21% 17.56% 17.91% 18.25%

Amortization of tangible assets


Existing Interest Expenses $ 7,530 $ 7,463 $ 7,396 $ 7,329 $ 7,263 $ 7,198
Proposed Interest Expenses $ 18,468 $ 18,402 $ 18,336 $ 18,270 $ 18,204 $ 18,138

Net Income (Loss) After Interest, & before


Taxes $ 63,607 $ 66,402 $ 69,217 $ 72,065 $ 74,956 $ 77,872
(%age on Turnover) 11.72% 12.14% 12.55% 12.96% 13.37% 13.77%

Tax Paid $ 13,994 $ 14,609 $ 15,228 $ 15,854 $ 16,490 $ 17,132

Net Income (Loss) After Interest, & before


$ 49,613 $ 51,794 $ 53,989 $ 56,211 $ 58,466 $ 60,740
Taxes (C = A - B)
(%age on Turnover) 9.14% 9.47% 9.79% 10.11% 10.42% 10.74%
Projected Projected Projected Projected Projected Projected
Particular Year Ended Year Ended Year Ended Year Ended Year Ended Year Ended
Nov 30, 2026 Dec 31, 2026 Jan 31, 2027 Feb 28, 2027 Mar 31, 2027 Apr 30, 2027
27th Month 28th Month 29th Month 30th Month 31st Month 32nd Month

Revenues:
Sales $ 5,70,189 $ 5,74,921 $ 5,79,693 $ 5,84,505 $ 5,89,356 $ 5,94,248

Total Revenue (A) $ 5,70,189 $ 5,74,921 $ 5,79,693 $ 5,84,505 $ 5,89,356 $ 5,94,248

Cost of Goods Sold:


Purchases/ cost of material $ 1,556 $ 1,568 $ 1,579 $ 1,591 $ 1,603 $ 1,615

Cost os Sale (B) $ 1,556 $ 1,568 $ 1,579 $ 1,591 $ 1,603 $ 1,615

Operating Expenses :

Advertising and Promotion $ 531 $ 534 $ 536 $ 538 $ 540 $ 543


Accounting & Legal $ 187 $ 188 $ 188 $ 188 $ 189 $ 189
Business taxes,licenses and memberships $ 5,976 $ 5,991 $ 6,006 $ 6,021 $ 6,036 $ 6,052
Computer/Internet Expenses $ 328 $ 365 $ 379 $ 400 $ 429 $ 463
Donation/charity $ 490 $ 492 $ 493 $ 494 $ 495 $ 497
Equipment Rental $ 31,406 $ 31,484 $ 31,563 $ 31,642 $ 31,721 $ 31,800
Freight Expenses $ 407 $ 408 $ 409 $ 410 $ 411 $ 412
Fuel $ 1,47,388 $ 1,48,007 $ 1,48,629 $ 1,49,253 $ 1,49,880 $ 1,50,510
Insurance Expenses $ 29,460 $ 29,584 $ 29,708 $ 29,833 $ 29,958 $ 30,084
Meals and entertainment $ 730 $ 731 $ 733 $ 734 $ 735 $ 736
Motor Vehicle Expenses $ 424 $ 425 $ 426 $ 427 $ 428 $ 429
Office expenses $ 2,756 $ 2,762 $ 2,769 $ 2,776 $ 2,783 $ 2,790
Parking Fees $ - $ - $ - $ - $ - $ -
Property taxes $ 113 $ 114 $ 115 $ 115 $ 116 $ 116
Repairs and Maintenance $ 36,774 $ 36,928 $ 37,083 $ 37,239 $ 37,396 $ 37,553
Supplies $ 323 $ 324 $ 324 $ 325 $ 326 $ 327
Salaries & Wages $ 81,150 $ 81,491 $ 81,833 $ 82,177 $ 82,522 $ 82,868
Sub- Contracts $ 1,20,188 $ 1,20,693 $ 1,21,200 $ 1,21,709 $ 1,22,220 $ 1,22,733
Travel Expenses $ 396 $ 397 $ 398 $ 400 $ 401 $ 402
Telephone and Telecommunications $ 864 $ 866 $ 869 $ 871 $ 873 $ 875
Training Expenses $ 1,884 $ 1,888 $ 1,893 $ 1,898 $ 1,902 $ 1,907
WCB Expenses $ 841 $ 843 $ 846 $ 848 $ 850 $ 852

Total Operating Expenses (C) $ 4,62,617 $ 4,64,516 $ 4,66,399 $ 4,68,297 $ 4,70,211 $ 4,72,138

Earning Before Interest, Taxes & Amortaization


$ 1,06,016.05 $ 1,08,838.04 $ 1,11,714.60 $ 1,14,616.03 $ 1,17,541.61 $ 1,20,494.66
(D = A-B-C)
(%age on Turnover) 18.59% 18.93% 19.27% 19.61% 19.94% 20.28%

Amortization of tangible assets


Existing Interest Expenses $ 7,133 $ 7,069 $ 7,005 $ 6,942 $ 6,880 $ 6,818
Proposed Interest Expenses $ 18,072 $ 18,006 $ 17,940 $ 17,874 $ 17,809 $ 17,743

Net Income (Loss) After Interest, & before


Taxes $ 80,811 $ 83,763 $ 86,769 $ 89,800 $ 92,853 $ 95,934
(%age on Turnover) 14.17% 14.57% 14.97% 15.36% 15.76% 16.14%

Tax Paid $ 17,778 $ 18,428 $ 19,089 $ 19,756 $ 20,428 $ 21,106

Net Income (Loss) After Interest, & before


$ 63,032 $ 65,335 $ 67,680 $ 70,044 $ 72,425 $ 74,829
Taxes (C = A - B)
(%age on Turnover) 11.05% 11.36% 11.68% 11.98% 12.29% 12.59%
Projected Projected Projected Projected
Particular Year Ended Year Ended Year Ended Year Ended
May 31, 2027 June 30, 2027 July 31, 2027 Aug 31, 2027
33rd Month 34th Month 35th Month 36th Month

Revenues:
Sales $ 5,99,180 $ 6,04,153 $ 6,09,168 $ 6,14,224

Total Revenue (A) $ 5,99,180 $ 6,04,153 $ 6,09,168 $ 6,14,224

Cost of Goods Sold:


Purchases/ cost of material $ 1,627 $ 1,640 $ 1,652 $ 1,664

Cost os Sale (B) $ 1,627 $ 1,640 $ 1,652 $ 1,664

Operating Expenses :

Advertising and Promotion $ 545 $ 547 $ 550 $ 552


Accounting & Legal $ 189 $ 189 $ 190 $ 190
Business taxes,licenses and memberships $ 6,067 $ 6,082 $ 6,097 $ 6,112
Computer/Internet Expenses $ 481 $ 492 $ 507 $ 523
Donation/charity $ 498 $ 499 $ 500 $ 502
Equipment Rental $ 31,880 $ 31,959 $ 32,039 $ 32,119
Freight Expenses $ 413 $ 414 $ 415 $ 416
Fuel $ 1,51,142 $ 1,51,777 $ 1,52,414 $ 1,53,054
Insurance Expenses $ 30,210 $ 30,337 $ 30,464 $ 30,592
Meals and entertainment $ 738 $ 739 $ 740 $ 741
Motor Vehicle Expenses $ 430 $ 431 $ 432 $ 434
Office expenses $ 2,797 $ 2,804 $ 2,811 $ 2,818
Parking Fees $ - $ - $ - $ -
Property taxes $ 117 $ 117 $ 118 $ 119
Repairs and Maintenance $ 37,710 $ 37,869 $ 38,028 $ 38,188
Supplies $ 328 $ 329 $ 329 $ 330
Salaries & Wages $ 83,216 $ 83,566 $ 83,917 $ 84,269
Sub- Contracts $ 1,23,249 $ 1,23,767 $ 1,24,286 $ 1,24,808
Travel Expenses $ 404 $ 405 $ 406 $ 408
Telephone and Telecommunications $ 877 $ 879 $ 882 $ 884
Training Expenses $ 1,912 $ 1,917 $ 1,922 $ 1,926
WCB Expenses $ 854 $ 856 $ 858 $ 860

Total Operating Expenses (C) $ 4,74,056 $ 4,75,975 $ 4,77,906 $ 4,79,846

Earning Before Interest, Taxes & Amortaization


$ 1,23,496.47 $ 1,26,538.34 $ 1,29,609.59 $ 1,32,713.52
(D = A-B-C)
(%age on Turnover) 20.61% 20.94% 21.28% 21.61%

Amortization of tangible assets


Existing Interest Expenses $ 6,756 $ 6,695 $ 6,635 $ 6,575
Proposed Interest Expenses $ 17,677 $ 17,611 $ 17,545 $ 17,479

Net Income (Loss) After Interest, & before


Taxes $ 99,064 $ 1,02,233 $ 1,05,430 $ 1,08,660
(%age on Turnover) 16.53% 16.92% 17.31% 17.69%

Tax Paid $ 21,794 $ 22,491 $ 23,195 $ 23,905

Net Income (Loss) After Interest, & before


$ 77,270 $ 79,742 $ 82,235 $ 84,755
Taxes (C = A - B)
(%age on Turnover) 12.90% 13.20% 13.50% 13.80%
Loan Amount $ 24,00,000
Rate of Interest 9.30%
Duration ( In Years) 25

Installment Remaining
S.No. Year Month O/s Principal Interest Due Principal Due
Paid Principal Amount
1 2024 Sep $ 24,00,000 $ 18,600 $ - $ 18,600 $ 24,00,000
2 2024 Oct $ 24,00,000 $ 18,600 $ - $ 18,600 $ 24,00,000
3 2024 Nov $ 24,00,000 $ 18,600 $ - $ 18,600 $ 24,00,000
4 2024 Dec $ 24,00,000 $ 18,600 $ - $ 18,600 $ 24,00,000
5 2025 Jan $ 24,00,000 $ 18,600 $ - $ 18,600 $ 24,00,000
6 2025 Feb $ 24,00,000 $ 18,600 $ - $ 18,600 $ 24,00,000
7 2025 Mar $ 24,00,000 $ 18,600 $ - $ 18,600 $ 24,00,000
8 2025 Apr $ 24,00,000 $ 18,600 $ - $ 18,600 $ 24,00,000
9 2025 May $ 24,00,000 $ 18,600 $ - $ 18,600 $ 24,00,000
10 2025 Jun $ 24,00,000 $ 18,600 $ - $ 18,600 $ 24,00,000
11 2025 Jul $ 24,00,000 $ 18,600 $ - $ 18,600 $ 24,00,000
12 2025 Aug $ 24,00,000 $ 18,600 $ - $ 18,600 $ 24,00,000
13 2025 Sep $ 24,00,000 $ 18,600 $ - $ 18,600 $ 24,00,000
14 2025 Oct $ 24,00,000 $ 18,600 $ - $ 18,600 $ 24,00,000
15 2025 Nov $ 24,00,000 $ 18,600 $ - $ 18,600 $ 24,00,000
16 2025 Dec $ 24,00,000 $ 18,600 $ - $ 18,600 $ 24,00,000
17 2026 Jan $ 24,00,000 $ 18,600 $ - $ 18,600 $ 24,00,000
18 2026 Feb $ 24,00,000 $ 18,600 $ - $ 18,600 $ 24,00,000
19 2026 Mar $ 24,00,000 $ 18,600 $ 8,511 $ 27,111 $ 23,91,489
20 2026 Apr $ 23,91,489 $ 18,534 $ 8,511 $ 27,045 $ 23,82,979
21 2026 May $ 23,82,979 $ 18,468 $ 8,511 $ 26,979 $ 23,74,468
22 2026 Jun $ 23,74,468 $ 18,402 $ 8,511 $ 26,913 $ 23,65,957
23 2026 Jul $ 23,65,957 $ 18,336 $ 8,511 $ 26,847 $ 23,57,447
24 2026 Aug $ 23,57,447 $ 18,270 $ 8,511 $ 26,781 $ 23,48,936
25 2026 Sep $ 23,48,936 $ 18,204 $ 8,511 $ 26,715 $ 23,40,426
26 2026 Oct $ 23,40,426 $ 18,138 $ 8,511 $ 26,649 $ 23,31,915
27 2026 Nov $ 23,31,915 $ 18,072 $ 8,511 $ 26,583 $ 23,23,404
28 2026 Dec $ 23,23,404 $ 18,006 $ 8,511 $ 26,517 $ 23,14,894
29 2027 Jan $ 23,14,894 $ 17,940 $ 8,511 $ 26,451 $ 23,06,383
30 2027 Feb $ 23,06,383 $ 17,874 $ 8,511 $ 26,385 $ 22,97,872
31 2027 Mar $ 22,97,872 $ 17,809 $ 8,511 $ 26,319 $ 22,89,362
32 2027 Apr $ 22,89,362 $ 17,743 $ 8,511 $ 26,253 $ 22,80,851
33 2027 May $ 22,80,851 $ 17,677 $ 8,511 $ 26,187 $ 22,72,340
34 2027 Jun $ 22,72,340 $ 17,611 $ 8,511 $ 26,121 $ 22,63,830
35 2027 Jul $ 22,63,830 $ 17,545 $ 8,511 $ 26,055 $ 22,55,319
36 2027 Aug $ 22,55,319 $ 17,479 $ 8,511 $ 25,989 $ 22,46,809
37 2027 Sep $ 22,46,809 $ 17,413 $ 8,511 $ 25,923 $ 22,38,298
38 2027 Oct $ 22,38,298 $ 17,347 $ 8,511 $ 25,857 $ 22,29,787
39 2027 Nov $ 22,29,787 $ 17,281 $ 8,511 $ 25,791 $ 22,21,277
40 2027 Dec $ 22,21,277 $ 17,215 $ 8,511 $ 25,726 $ 22,12,766
41 2028 Jan $ 22,12,766 $ 17,149 $ 8,511 $ 25,660 $ 22,04,255
42 2028 Feb $ 22,04,255 $ 17,083 $ 8,511 $ 25,594 $ 21,95,745
43 2028 Mar $ 21,95,745 $ 17,017 $ 8,511 $ 25,528 $ 21,87,234
44 2028 Apr $ 21,87,234 $ 16,951 $ 8,511 $ 25,462 $ 21,78,723
45 2028 May $ 21,78,723 $ 16,885 $ 8,511 $ 25,396 $ 21,70,213
46 2028 Jun $ 21,70,213 $ 16,819 $ 8,511 $ 25,330 $ 21,61,702
47 2028 Jul $ 21,61,702 $ 16,753 $ 8,511 $ 25,264 $ 21,53,191
48 2028 Aug $ 21,53,191 $ 16,687 $ 8,511 $ 25,198 $ 21,44,681
49 2028 Sep $ 21,44,681 $ 16,621 $ 8,511 $ 25,132 $ 21,36,170
50 2028 Oct $ 21,36,170 $ 16,555 $ 8,511 $ 25,066 $ 21,27,660
Installment Remaining
S.No. Year Month O/s Principal Interest Due Principal Due
Paid Principal Amount
51 2028 Nov $ 21,27,660 $ 16,489 $ 8,511 $ 25,000 $ 21,19,149
52 2028 Dec $ 21,19,149 $ 16,423 $ 8,511 $ 24,934 $ 21,10,638
53 2029 Jan $ 21,10,638 $ 16,357 $ 8,511 $ 24,868 $ 21,02,128
54 2029 Feb $ 21,02,128 $ 16,291 $ 8,511 $ 24,802 $ 20,93,617
55 2029 Mar $ 20,93,617 $ 16,226 $ 8,511 $ 24,736 $ 20,85,106
56 2029 Apr $ 20,85,106 $ 16,160 $ 8,511 $ 24,670 $ 20,76,596
57 2029 May $ 20,76,596 $ 16,094 $ 8,511 $ 24,604 $ 20,68,085
58 2029 Jun $ 20,68,085 $ 16,028 $ 8,511 $ 24,538 $ 20,59,574
59 2029 Jul $ 20,59,574 $ 15,962 $ 8,511 $ 24,472 $ 20,51,064
60 2029 Aug $ 20,51,064 $ 15,896 $ 8,511 $ 24,406 $ 20,42,553
61 2029 Sep $ 20,42,553 $ 15,830 $ 8,511 $ 24,340 $ 20,34,043
62 2029 Oct $ 20,34,043 $ 15,764 $ 8,511 $ 24,274 $ 20,25,532
63 2029 Nov $ 20,25,532 $ 15,698 $ 8,511 $ 24,209 $ 20,17,021
64 2029 Dec $ 20,17,021 $ 15,632 $ 8,511 $ 24,143 $ 20,08,511
65 2030 Jan $ 20,08,511 $ 15,566 $ 8,511 $ 24,077 $ 20,00,000
66 2030 Feb $ 20,00,000 $ 15,500 $ 8,511 $ 24,011 $ 19,91,489
67 2030 Mar $ 19,91,489 $ 15,434 $ 8,511 $ 23,945 $ 19,82,979
68 2030 Apr $ 19,82,979 $ 15,368 $ 8,511 $ 23,879 $ 19,74,468
69 2030 May $ 19,74,468 $ 15,302 $ 8,511 $ 23,813 $ 19,65,957
70 2030 Jun $ 19,65,957 $ 15,236 $ 8,511 $ 23,747 $ 19,57,447
71 2030 Jul $ 19,57,447 $ 15,170 $ 8,511 $ 23,681 $ 19,48,936
72 2030 Aug $ 19,48,936 $ 15,104 $ 8,511 $ 23,615 $ 19,40,426
73 2030 Sep $ 19,40,426 $ 15,038 $ 8,511 $ 23,549 $ 19,31,915
74 2030 Oct $ 19,31,915 $ 14,972 $ 8,511 $ 23,483 $ 19,23,404
75 2030 Nov $ 19,23,404 $ 14,906 $ 8,511 $ 23,417 $ 19,14,894
76 2030 Dec $ 19,14,894 $ 14,840 $ 8,511 $ 23,351 $ 19,06,383
77 2031 Jan $ 19,06,383 $ 14,774 $ 8,511 $ 23,285 $ 18,97,872
78 2031 Feb $ 18,97,872 $ 14,709 $ 8,511 $ 23,219 $ 18,89,362
79 2031 Mar $ 18,89,362 $ 14,643 $ 8,511 $ 23,153 $ 18,80,851
80 2031 Apr $ 18,80,851 $ 14,577 $ 8,511 $ 23,087 $ 18,72,340
81 2031 May $ 18,72,340 $ 14,511 $ 8,511 $ 23,021 $ 18,63,830
82 2031 Jun $ 18,63,830 $ 14,445 $ 8,511 $ 22,955 $ 18,55,319
83 2031 Jul $ 18,55,319 $ 14,379 $ 8,511 $ 22,889 $ 18,46,809
84 2031 Aug $ 18,46,809 $ 14,313 $ 8,511 $ 22,823 $ 18,38,298
85 2031 Sep $ 18,38,298 $ 14,247 $ 8,511 $ 22,757 $ 18,29,787
86 2031 Oct $ 18,29,787 $ 14,181 $ 8,511 $ 22,691 $ 18,21,277
87 2031 Nov $ 18,21,277 $ 14,115 $ 8,511 $ 22,626 $ 18,12,766
88 2031 Dec $ 18,12,766 $ 14,049 $ 8,511 $ 22,560 $ 18,04,255
89 2032 Jan $ 18,04,255 $ 13,983 $ 8,511 $ 22,494 $ 17,95,745
90 2032 Feb $ 17,95,745 $ 13,917 $ 8,511 $ 22,428 $ 17,87,234
91 2032 Mar $ 17,87,234 $ 13,851 $ 8,511 $ 22,362 $ 17,78,723
92 2032 Apr $ 17,78,723 $ 13,785 $ 8,511 $ 22,296 $ 17,70,213
93 2032 May $ 17,70,213 $ 13,719 $ 8,511 $ 22,230 $ 17,61,702
94 2032 Jun $ 17,61,702 $ 13,653 $ 8,511 $ 22,164 $ 17,53,191
95 2032 Jul $ 17,53,191 $ 13,587 $ 8,511 $ 22,098 $ 17,44,681
96 2032 Aug $ 17,44,681 $ 13,521 $ 8,511 $ 22,032 $ 17,36,170
97 2032 Sep $ 17,36,170 $ 13,455 $ 8,511 $ 21,966 $ 17,27,660
98 2032 Oct $ 17,27,660 $ 13,389 $ 8,511 $ 21,900 $ 17,19,149
99 2032 Nov $ 17,19,149 $ 13,323 $ 8,511 $ 21,834 $ 17,10,638
100 2032 Dec $ 17,10,638 $ 13,257 $ 8,511 $ 21,768 $ 17,02,128
101 2033 Jan $ 17,02,128 $ 13,191 $ 8,511 $ 21,702 $ 16,93,617
102 2033 Feb $ 16,93,617 $ 13,126 $ 8,511 $ 21,636 $ 16,85,106
103 2033 Mar $ 16,85,106 $ 13,060 $ 8,511 $ 21,570 $ 16,76,596
Installment Remaining
S.No. Year Month O/s Principal Interest Due Principal Due
Paid Principal Amount
104 2033 Apr $ 16,76,596 $ 12,994 $ 8,511 $ 21,504 $ 16,68,085
105 2033 May $ 16,68,085 $ 12,928 $ 8,511 $ 21,438 $ 16,59,574
106 2033 Jun $ 16,59,574 $ 12,862 $ 8,511 $ 21,372 $ 16,51,064
107 2033 Jul $ 16,51,064 $ 12,796 $ 8,511 $ 21,306 $ 16,42,553
108 2033 Aug $ 16,42,553 $ 12,730 $ 8,511 $ 21,240 $ 16,34,043
109 2033 Sep $ 16,34,043 $ 12,664 $ 8,511 $ 21,174 $ 16,25,532
110 2033 Oct $ 16,25,532 $ 12,598 $ 8,511 $ 21,109 $ 16,17,021
111 2033 Nov $ 16,17,021 $ 12,532 $ 8,511 $ 21,043 $ 16,08,511
112 2033 Dec $ 16,08,511 $ 12,466 $ 8,511 $ 20,977 $ 16,00,000
113 2034 Jan $ 16,00,000 $ 12,400 $ 8,511 $ 20,911 $ 15,91,489
114 2034 Feb $ 15,91,489 $ 12,334 $ 8,511 $ 20,845 $ 15,82,979
115 2034 Mar $ 15,82,979 $ 12,268 $ 8,511 $ 20,779 $ 15,74,468
116 2034 Apr $ 15,74,468 $ 12,202 $ 8,511 $ 20,713 $ 15,65,957
117 2034 May $ 15,65,957 $ 12,136 $ 8,511 $ 20,647 $ 15,57,447
118 2034 Jun $ 15,57,447 $ 12,070 $ 8,511 $ 20,581 $ 15,48,936
119 2034 Jul $ 15,48,936 $ 12,004 $ 8,511 $ 20,515 $ 15,40,426
120 2034 Aug $ 15,40,426 $ 11,938 $ 8,511 $ 20,449 $ 15,31,915
121 2034 Sep $ 15,31,915 $ 11,872 $ 8,511 $ 20,383 $ 15,23,404
122 2034 Oct $ 15,23,404 $ 11,806 $ 8,511 $ 20,317 $ 15,14,894
123 2034 Nov $ 15,14,894 $ 11,740 $ 8,511 $ 20,251 $ 15,06,383
124 2034 Dec $ 15,06,383 $ 11,674 $ 8,511 $ 20,185 $ 14,97,872
125 2035 Jan $ 14,97,872 $ 11,609 $ 8,511 $ 20,119 $ 14,89,362
126 2035 Feb $ 14,89,362 $ 11,543 $ 8,511 $ 20,053 $ 14,80,851
127 2035 Mar $ 14,80,851 $ 11,477 $ 8,511 $ 19,987 $ 14,72,340
128 2035 Apr $ 14,72,340 $ 11,411 $ 8,511 $ 19,921 $ 14,63,830
129 2035 May $ 14,63,830 $ 11,345 $ 8,511 $ 19,855 $ 14,55,319
130 2035 Jun $ 14,55,319 $ 11,279 $ 8,511 $ 19,789 $ 14,46,809
131 2035 Jul $ 14,46,809 $ 11,213 $ 8,511 $ 19,723 $ 14,38,298
132 2035 Aug $ 14,38,298 $ 11,147 $ 8,511 $ 19,657 $ 14,29,787
133 2035 Sep $ 14,29,787 $ 11,081 $ 8,511 $ 19,591 $ 14,21,277
134 2035 Oct $ 14,21,277 $ 11,015 $ 8,511 $ 19,526 $ 14,12,766
135 2035 Nov $ 14,12,766 $ 10,949 $ 8,511 $ 19,460 $ 14,04,255
136 2035 Dec $ 14,04,255 $ 10,883 $ 8,511 $ 19,394 $ 13,95,745
137 2036 Jan $ 13,95,745 $ 10,817 $ 8,511 $ 19,328 $ 13,87,234
138 2036 Feb $ 13,87,234 $ 10,751 $ 8,511 $ 19,262 $ 13,78,723
139 2036 Mar $ 13,78,723 $ 10,685 $ 8,511 $ 19,196 $ 13,70,213
140 2036 Apr $ 13,70,213 $ 10,619 $ 8,511 $ 19,130 $ 13,61,702
141 2036 May $ 13,61,702 $ 10,553 $ 8,511 $ 19,064 $ 13,53,191
142 2036 Jun $ 13,53,191 $ 10,487 $ 8,511 $ 18,998 $ 13,44,681
143 2036 Jul $ 13,44,681 $ 10,421 $ 8,511 $ 18,932 $ 13,36,170
144 2036 Aug $ 13,36,170 $ 10,355 $ 8,511 $ 18,866 $ 13,27,660
145 2036 Sep $ 13,27,660 $ 10,289 $ 8,511 $ 18,800 $ 13,19,149
146 2036 Oct $ 13,19,149 $ 10,223 $ 8,511 $ 18,734 $ 13,10,638
147 2036 Nov $ 13,10,638 $ 10,157 $ 8,511 $ 18,668 $ 13,02,128
148 2036 Dec $ 13,02,128 $ 10,091 $ 8,511 $ 18,602 $ 12,93,617
149 2037 Jan $ 12,93,617 $ 10,026 $ 8,511 $ 18,536 $ 12,85,106
150 2037 Feb $ 12,85,106 $ 9,960 $ 8,511 $ 18,470 $ 12,76,596
151 2037 Mar $ 12,76,596 $ 9,894 $ 8,511 $ 18,404 $ 12,68,085
152 2037 Apr $ 12,68,085 $ 9,828 $ 8,511 $ 18,338 $ 12,59,574
153 2037 May $ 12,59,574 $ 9,762 $ 8,511 $ 18,272 $ 12,51,064
154 2037 Jun $ 12,51,064 $ 9,696 $ 8,511 $ 18,206 $ 12,42,553
155 2037 Jul $ 12,42,553 $ 9,630 $ 8,511 $ 18,140 $ 12,34,043
156 2037 Aug $ 12,34,043 $ 9,564 $ 8,511 $ 18,074 $ 12,25,532
Installment Remaining
S.No. Year Month O/s Principal Interest Due Principal Due
Paid Principal Amount
157 2037 Sep $ 12,25,532 $ 9,498 $ 8,511 $ 18,009 $ 12,17,021
158 2037 Oct $ 12,17,021 $ 9,432 $ 8,511 $ 17,943 $ 12,08,511
159 2037 Nov $ 12,08,511 $ 9,366 $ 8,511 $ 17,877 $ 12,00,000
160 2037 Dec $ 12,00,000 $ 9,300 $ 8,511 $ 17,811 $ 11,91,489
161 2038 Jan $ 11,91,489 $ 9,234 $ 8,511 $ 17,745 $ 11,82,979
162 2038 Feb $ 11,82,979 $ 9,168 $ 8,511 $ 17,679 $ 11,74,468
163 2038 Mar $ 11,74,468 $ 9,102 $ 8,511 $ 17,613 $ 11,65,957
164 2038 Apr $ 11,65,957 $ 9,036 $ 8,511 $ 17,547 $ 11,57,447
165 2038 May $ 11,57,447 $ 8,970 $ 8,511 $ 17,481 $ 11,48,936
166 2038 Jun $ 11,48,936 $ 8,904 $ 8,511 $ 17,415 $ 11,40,426
167 2038 Jul $ 11,40,426 $ 8,838 $ 8,511 $ 17,349 $ 11,31,915
168 2038 Aug $ 11,31,915 $ 8,772 $ 8,511 $ 17,283 $ 11,23,404
169 2038 Sep $ 11,23,404 $ 8,706 $ 8,511 $ 17,217 $ 11,14,894
170 2038 Oct $ 11,14,894 $ 8,640 $ 8,511 $ 17,151 $ 11,06,383
171 2038 Nov $ 11,06,383 $ 8,574 $ 8,511 $ 17,085 $ 10,97,872
172 2038 Dec $ 10,97,872 $ 8,509 $ 8,511 $ 17,019 $ 10,89,362
173 2039 Jan $ 10,89,362 $ 8,443 $ 8,511 $ 16,953 $ 10,80,851
174 2039 Feb $ 10,80,851 $ 8,377 $ 8,511 $ 16,887 $ 10,72,340
175 2039 Mar $ 10,72,340 $ 8,311 $ 8,511 $ 16,821 $ 10,63,830
176 2039 Apr $ 10,63,830 $ 8,245 $ 8,511 $ 16,755 $ 10,55,319
177 2039 May $ 10,55,319 $ 8,179 $ 8,511 $ 16,689 $ 10,46,809
178 2039 Jun $ 10,46,809 $ 8,113 $ 8,511 $ 16,623 $ 10,38,298
179 2039 Jul $ 10,38,298 $ 8,047 $ 8,511 $ 16,557 $ 10,29,787
180 2039 Aug $ 10,29,787 $ 7,981 $ 8,511 $ 16,491 $ 10,21,277
181 2039 Sep $ 10,21,277 $ 7,915 $ 8,511 $ 16,426 $ 10,12,766
182 2039 Oct $ 10,12,766 $ 7,849 $ 8,511 $ 16,360 $ 10,04,255
183 2039 Nov $ 10,04,255 $ 7,783 $ 8,511 $ 16,294 $ 9,95,745
184 2039 Dec $ 9,95,745 $ 7,717 $ 8,511 $ 16,228 $ 9,87,234
185 2040 Jan $ 9,87,234 $ 7,651 $ 8,511 $ 16,162 $ 9,78,723
186 2040 Feb $ 9,78,723 $ 7,585 $ 8,511 $ 16,096 $ 9,70,213
187 2040 Mar $ 9,70,213 $ 7,519 $ 8,511 $ 16,030 $ 9,61,702
188 2040 Apr $ 9,61,702 $ 7,453 $ 8,511 $ 15,964 $ 9,53,191
189 2040 May $ 9,53,191 $ 7,387 $ 8,511 $ 15,898 $ 9,44,681
190 2040 Jun $ 9,44,681 $ 7,321 $ 8,511 $ 15,832 $ 9,36,170
191 2040 Jul $ 9,36,170 $ 7,255 $ 8,511 $ 15,766 $ 9,27,660
192 2040 Aug $ 9,27,660 $ 7,189 $ 8,511 $ 15,700 $ 9,19,149
193 2040 Sep $ 9,19,149 $ 7,123 $ 8,511 $ 15,634 $ 9,10,638
194 2040 Oct $ 9,10,638 $ 7,057 $ 8,511 $ 15,568 $ 9,02,128
195 2040 Nov $ 9,02,128 $ 6,991 $ 8,511 $ 15,502 $ 8,93,617
196 2040 Dec $ 8,93,617 $ 6,926 $ 8,511 $ 15,436 $ 8,85,106
197 2041 Jan $ 8,85,106 $ 6,860 $ 8,511 $ 15,370 $ 8,76,596
198 2041 Feb $ 8,76,596 $ 6,794 $ 8,511 $ 15,304 $ 8,68,085
199 2041 Mar $ 8,68,085 $ 6,728 $ 8,511 $ 15,238 $ 8,59,574
200 2041 Apr $ 8,59,574 $ 6,662 $ 8,511 $ 15,172 $ 8,51,064
201 2041 May $ 8,51,064 $ 6,596 $ 8,511 $ 15,106 $ 8,42,553
202 2041 Jun $ 8,42,553 $ 6,530 $ 8,511 $ 15,040 $ 8,34,043
203 2041 Jul $ 8,34,043 $ 6,464 $ 8,511 $ 14,974 $ 8,25,532
204 2041 Aug $ 8,25,532 $ 6,398 $ 8,511 $ 14,909 $ 8,17,021
205 2041 Sep $ 8,17,021 $ 6,332 $ 8,511 $ 14,843 $ 8,08,511
206 2041 Oct $ 8,08,511 $ 6,266 $ 8,511 $ 14,777 $ 8,00,000
207 2041 Nov $ 8,00,000 $ 6,200 $ 8,511 $ 14,711 $ 7,91,489
208 2041 Dec $ 7,91,489 $ 6,134 $ 8,511 $ 14,645 $ 7,82,979
209 2042 Jan $ 7,82,979 $ 6,068 $ 8,511 $ 14,579 $ 7,74,468
Installment Remaining
S.No. Year Month O/s Principal Interest Due Principal Due
Paid Principal Amount
210 2042 Feb $ 7,74,468 $ 6,002 $ 8,511 $ 14,513 $ 7,65,957
211 2042 Mar $ 7,65,957 $ 5,936 $ 8,511 $ 14,447 $ 7,57,447
212 2042 Apr $ 7,57,447 $ 5,870 $ 8,511 $ 14,381 $ 7,48,936
213 2042 May $ 7,48,936 $ 5,804 $ 8,511 $ 14,315 $ 7,40,426
214 2042 Jun $ 7,40,426 $ 5,738 $ 8,511 $ 14,249 $ 7,31,915
215 2042 Jul $ 7,31,915 $ 5,672 $ 8,511 $ 14,183 $ 7,23,404
216 2042 Aug $ 7,23,404 $ 5,606 $ 8,511 $ 14,117 $ 7,14,894
217 2042 Sep $ 7,14,894 $ 5,540 $ 8,511 $ 14,051 $ 7,06,383
218 2042 Oct $ 7,06,383 $ 5,474 $ 8,511 $ 13,985 $ 6,97,872
219 2042 Nov $ 6,97,872 $ 5,409 $ 8,511 $ 13,919 $ 6,89,362
220 2042 Dec $ 6,89,362 $ 5,343 $ 8,511 $ 13,853 $ 6,80,851
221 2043 Jan $ 6,80,851 $ 5,277 $ 8,511 $ 13,787 $ 6,72,340
222 2043 Feb $ 6,72,340 $ 5,211 $ 8,511 $ 13,721 $ 6,63,830
223 2043 Mar $ 6,63,830 $ 5,145 $ 8,511 $ 13,655 $ 6,55,319
224 2043 Apr $ 6,55,319 $ 5,079 $ 8,511 $ 13,589 $ 6,46,809
225 2043 May $ 6,46,809 $ 5,013 $ 8,511 $ 13,523 $ 6,38,298
226 2043 Jun $ 6,38,298 $ 4,947 $ 8,511 $ 13,457 $ 6,29,787
227 2043 Jul $ 6,29,787 $ 4,881 $ 8,511 $ 13,391 $ 6,21,277
228 2043 Aug $ 6,21,277 $ 4,815 $ 8,511 $ 13,326 $ 6,12,766
229 2043 Sep $ 6,12,766 $ 4,749 $ 8,511 $ 13,260 $ 6,04,255
230 2043 Oct $ 6,04,255 $ 4,683 $ 8,511 $ 13,194 $ 5,95,745
231 2043 Nov $ 5,95,745 $ 4,617 $ 8,511 $ 13,128 $ 5,87,234
232 2043 Dec $ 5,87,234 $ 4,551 $ 8,511 $ 13,062 $ 5,78,723
233 2044 Jan $ 5,78,723 $ 4,485 $ 8,511 $ 12,996 $ 5,70,213
234 2044 Feb $ 5,70,213 $ 4,419 $ 8,511 $ 12,930 $ 5,61,702
235 2044 Mar $ 5,61,702 $ 4,353 $ 8,511 $ 12,864 $ 5,53,191
236 2044 Apr $ 5,53,191 $ 4,287 $ 8,511 $ 12,798 $ 5,44,681
237 2044 May $ 5,44,681 $ 4,221 $ 8,511 $ 12,732 $ 5,36,170
238 2044 Jun $ 5,36,170 $ 4,155 $ 8,511 $ 12,666 $ 5,27,660
239 2044 Jul $ 5,27,660 $ 4,089 $ 8,511 $ 12,600 $ 5,19,149
240 2044 Aug $ 5,19,149 $ 4,023 $ 8,511 $ 12,534 $ 5,10,638
241 2044 Sep $ 5,10,638 $ 3,957 $ 8,511 $ 12,468 $ 5,02,128
242 2044 Oct $ 5,02,128 $ 3,891 $ 8,511 $ 12,402 $ 4,93,617
243 2044 Nov $ 4,93,617 $ 3,826 $ 8,511 $ 12,336 $ 4,85,106
244 2044 Dec $ 4,85,106 $ 3,760 $ 8,511 $ 12,270 $ 4,76,596
245 2045 Jan $ 4,76,596 $ 3,694 $ 8,511 $ 12,204 $ 4,68,085
246 2045 Feb $ 4,68,085 $ 3,628 $ 8,511 $ 12,138 $ 4,59,574
247 2045 Mar $ 4,59,574 $ 3,562 $ 8,511 $ 12,072 $ 4,51,064
248 2045 Apr $ 4,51,064 $ 3,496 $ 8,511 $ 12,006 $ 4,42,553
249 2045 May $ 4,42,553 $ 3,430 $ 8,511 $ 11,940 $ 4,34,043
250 2045 Jun $ 4,34,043 $ 3,364 $ 8,511 $ 11,874 $ 4,25,532
251 2045 Jul $ 4,25,532 $ 3,298 $ 8,511 $ 11,809 $ 4,17,021
252 2045 Aug $ 4,17,021 $ 3,232 $ 8,511 $ 11,743 $ 4,08,511
253 2045 Sep $ 4,08,511 $ 3,166 $ 8,511 $ 11,677 $ 4,00,000
254 2045 Oct $ 4,00,000 $ 3,100 $ 8,511 $ 11,611 $ 3,91,489
255 2045 Nov $ 3,91,489 $ 3,034 $ 8,511 $ 11,545 $ 3,82,979
256 2045 Dec $ 3,82,979 $ 2,968 $ 8,511 $ 11,479 $ 3,74,468
257 2046 Jan $ 3,74,468 $ 2,902 $ 8,511 $ 11,413 $ 3,65,957
258 2046 Feb $ 3,65,957 $ 2,836 $ 8,511 $ 11,347 $ 3,57,447
259 2046 Mar $ 3,57,447 $ 2,770 $ 8,511 $ 11,281 $ 3,48,936
260 2046 Apr $ 3,48,936 $ 2,704 $ 8,511 $ 11,215 $ 3,40,426
261 2046 May $ 3,40,426 $ 2,638 $ 8,511 $ 11,149 $ 3,31,915
262 2046 Jun $ 3,31,915 $ 2,572 $ 8,511 $ 11,083 $ 3,23,404
Installment Remaining
S.No. Year Month O/s Principal Interest Due Principal Due
Paid Principal Amount
263 2046 Jul $ 3,23,404 $ 2,506 $ 8,511 $ 11,017 $ 3,14,894
264 2046 Aug $ 3,14,894 $ 2,440 $ 8,511 $ 10,951 $ 3,06,383
265 2046 Sep $ 3,06,383 $ 2,374 $ 8,511 $ 10,885 $ 2,97,872
266 2046 Oct $ 2,97,872 $ 2,309 $ 8,511 $ 10,819 $ 2,89,362
267 2046 Nov $ 2,89,362 $ 2,243 $ 8,511 $ 10,753 $ 2,80,851
268 2046 Dec $ 2,80,851 $ 2,177 $ 8,511 $ 10,687 $ 2,72,340
269 2047 Jan $ 2,72,340 $ 2,111 $ 8,511 $ 10,621 $ 2,63,830
270 2047 Feb $ 2,63,830 $ 2,045 $ 8,511 $ 10,555 $ 2,55,319
271 2047 Mar $ 2,55,319 $ 1,979 $ 8,511 $ 10,489 $ 2,46,809
272 2047 Apr $ 2,46,809 $ 1,913 $ 8,511 $ 10,423 $ 2,38,298
273 2047 May $ 2,38,298 $ 1,847 $ 8,511 $ 10,357 $ 2,29,787
274 2047 Jun $ 2,29,787 $ 1,781 $ 8,511 $ 10,291 $ 2,21,277
275 2047 Jul $ 2,21,277 $ 1,715 $ 8,511 $ 10,226 $ 2,12,766
276 2047 Aug $ 2,12,766 $ 1,649 $ 8,511 $ 10,160 $ 2,04,255
277 2047 Sep $ 2,04,255 $ 1,583 $ 8,511 $ 10,094 $ 1,95,745
278 2047 Oct $ 1,95,745 $ 1,517 $ 8,511 $ 10,028 $ 1,87,234
279 2047 Nov $ 1,87,234 $ 1,451 $ 8,511 $ 9,962 $ 1,78,723
280 2047 Dec $ 1,78,723 $ 1,385 $ 8,511 $ 9,896 $ 1,70,213
281 2048 Jan $ 1,70,213 $ 1,319 $ 8,511 $ 9,830 $ 1,61,702
282 2048 Feb $ 1,61,702 $ 1,253 $ 8,511 $ 9,764 $ 1,53,191
283 2048 Mar $ 1,53,191 $ 1,187 $ 8,511 $ 9,698 $ 1,44,681
284 2048 Apr $ 1,44,681 $ 1,121 $ 8,511 $ 9,632 $ 1,36,170
285 2048 May $ 1,36,170 $ 1,055 $ 8,511 $ 9,566 $ 1,27,660
286 2048 Jun $ 1,27,660 $ 989 $ 8,511 $ 9,500 $ 1,19,149
287 2048 Jul $ 1,19,149 $ 923 $ 8,511 $ 9,434 $ 1,10,638
288 2048 Aug $ 1,10,638 $ 857 $ 8,511 $ 9,368 $ 1,02,128
289 2048 Sep $ 1,02,128 $ 791 $ 8,511 $ 9,302 $ 93,617
290 2048 Oct $ 93,617 $ 726 $ 8,511 $ 9,236 $ 85,106
291 2048 Nov $ 85,106 $ 660 $ 8,511 $ 9,170 $ 76,596
292 2048 Dec $ 76,596 $ 594 $ 8,511 $ 9,104 $ 68,085
293 2049 Jan $ 68,085 $ 528 $ 8,511 $ 9,038 $ 59,574
294 2049 Feb $ 59,574 $ 462 $ 8,511 $ 8,972 $ 51,064
295 2049 Mar $ 51,064 $ 396 $ 8,511 $ 8,906 $ 42,553
296 2049 Apr $ 42,553 $ 330 $ 8,511 $ 8,840 $ 34,043
297 2049 May $ 34,043 $ 264 $ 8,511 $ 8,774 $ 25,532
298 2049 Jun $ 25,532 $ 198 $ 8,511 $ 8,709 $ 17,021
299 2049 Jul $ 17,021 $ 132 $ 8,511 $ 8,643 $ 8,511
300 2049 Aug $ 8,511 $ 66 $ 8,511 $ 8,577 $ 0

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