Project Report For Home Allpliance

Project Report For
Chiragbhai Ramjibhai Patel

(m) 99131 18204
Email : chiragpatel31071983@gmail.com
By : Ravi Patel
(m) 87582 82993
Email : rkpatel2911@gmail.com
Introduction:
Kiosk Banking under this model aims to provide a real time user friendly banking services to the
consumer in their neighborhood kiosk. Pay Point India has been a National/Business correspondent
for the SBI/PNB/BOB/UB/CBI since 2011 under rural banking authority (Online CSP)
Authority service to its present retail network and create ne Kiosk Banking under this model
authority agents across the country.
About Kiosk Banking

A large number of people particularly the migrant labourers and factory workers do not have a
savings account as they are not able to open a account due to lack of documents. As a result they are
not able to save their earnings in a safe place.
• Tatkal Money Transfer to any Bank account.
• Open “ Non-Frill accounts” by kiosk banking module.
• Deposit/ withdrawal of cash.
• Aadhar and Rupay card registration.
• Current account/ Term Deposit/ Recurring Deposit.
• Loan Lend generation and repayment.
• Commission of subsidy granted to customers
• What does the retailer get?
• Association With Concerned Bank
• Bank Software, user id and password
• Biometric Reader and software for electronic thumb impression
• Web Software to operate different services
• Authorisation certificate of CSP

• Web + Concerned Bank Banners
• Logo/Sticker/Leaflets/Contact Matrix
• Commission Structure & Introduction letter of CSP
What does the retailer need?

• Computer,Printer,Scanner,Fingerprint,Webcam
• Internet connection
• Smartphone with many useful app
• Retail outlet or Home Space
A digital revolution in banking
With the rise of telephone, internet and mobile banking, it’s becoming increasingly easy for customers to
conduct their financial business without ever visiting a branch. With this in mind, it may seem like in branch
banking is slowly dying out. It may seem like customers no longer require human interaction for banking
transactions. The use of online banking is undoubtedly growing: a 2014 YouGov poll showed that 77% of
customers accessed online or mobile banking at least once a month. Despite this, the demand for branches is
still strong. Recent research by Deloitte showed that 72% of customers usually go to their local branch to
access financial services.
Bridging the gap between online and in branch

banking
Interactive kiosks are the perfect tool for crossing the digital divide and making in branch banking accessible
to everyone. For customers that do the majority of their banking digitally, interactive kiosks can provide a
familiar platform from which to access financial services in branch. Customers who usually visit a branch to
do their banking may find that interactive kiosks speed up and streamline the process. In either case, interactive
kiosks offer an enhanced customer experience in branches and enable customers to connect with financial
services in new ways.
An improved customer experience

Long queues are often a problem in bank branches. The use of interactive kiosks can vastly reduce waiting
times by offering an alternative to the traditional tellers. Easy-to-use interactive media can streamline the way
customers access information and complete transactions, resulting in a more satisfying banking experience.
Brand reinforcement
Interactive kiosks with visually appealing branded content can improve customer engagement with a bank’s
brand. Brand reinforcement builds trust and may increase customer loyalty, as well as making customers more
inclined to accept additional services.
Upselling financial services

The task of upselling financial services usually falls to bank staff, and customer demand may often mean they
have little time for it. Interactive kiosks provide a platform for communicating additional services to
customers, saving bank staff precious time.
Staff training
Interactive kiosks can provide benefits to bank staff as well as customers. Targeted digital signage messages in
staff areas are a great way to keep staff up-to-date with the latest information, rates and promotions. This
greatly reduces the time needed to train staff, and the reinforcement of key messages will help to improve
retention.
Interactive kiosks – the future of banking
Numbers of bank branches may be reducing, but the demand for in branch banking is not.
Interactive kiosks are the ideal way to bring branches into the digital age, connect with customers and enhance
the banking experience. If you’d like more information on interactive kiosks for banking don’t hesitate to get
in touch.
PROJECT REPORT FOR SEED CLEANING MACHINE
Projection
Cost
Kiosk Instru. 160690 Sale Of Apppliances

Furniture 111386 Particular In Rs
Working
Capital 7924 Avg Per Week 55000
TOTAL 280000 Per Year 2860000
Margin 40000 Avg Profit 18% 514800
Loan to
OptOut 240000
Loan will be at 11 % and
for 60 months
Financial Statement
Particular Amount
Services Income 514800
Electricity Expe 36000
Salary for 2 Person 144000
Maintenance 15000
Insurance Exp 12000
Telephone Exp 4500
Rent If Applicable 48000
TOTAL EXPENSE 259500

Benefit 255300
Depreciation 11138
Repayment 62618
Benefit Befor Tax 181544
(Tax If Applicable) 8750
Net Benefit (Profit) 172794
Loan Statement
O/S
Year Principle Interest Repay. Amt.
1 38101 24517 62618 201899
2 42510 20108 62618 159389
3 47429 15189 62618 111595
4 52918 9700 62618 59041
5 59041 3577 62618 0
TOTAL 239999 73091 313090
Depreciation
Chart Machine life expected to be 10 years
Year WDV Dep WDV Clos.
1 111386 11138 100248
2 100248 11138 89110
3 89110 11138 77972
4 77972 11138 66834
5 66834 11138 55696

Financial Statement for 5
Year
Particular 1 2 3 4 5
Service Income 514800 540540 540540 594594 594594
Total Income 514800 540540 540540 594594 594594
Expenses
Electricity Expense 36000 38000 38000 40000 40000
Salary for 2 Person 144000 144000 144000 150000 150000
Kiosk Maintenance 15000 15000 15000 18000 18000
Insurance 12000 12000 12000 10500 10500
Telephone 4500 4500 4500 4200 4200
Rent 48000 48000 48000 60000 60000
Depreciation 11138 11138 11138 11138 11138
Repayment 62618 62618 62618 62618 62618
Tax 8750 8750 8750 10000 10000
Total Expense 342006 344006 344006 366456 366456
Net Benefit 172794 196534 196534 228138 228138
DSCR 2.76 3.14 3.14 3.64 3.64
Present Discount Rate is 2.5%

903421 Present Value Of Future Cash Flow
IRR Calculation 280000 Initial Investment
-280000 623421 NPV
172794
196534 62% Internal Rate Of Return
196534
228138 3.264 Average DSCR
228138

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Project Report For

Chiragbhai Ramjibhai Patel

About Kiosk Banking

• Authorisation certificate of CSP

What does the retailer need?

Bridging the gap between online and in branch

An improved customer experience

Upselling financial services

PROJECT REPORT FOR SEED CLEANING MACHINE

Kiosk Instru. 160690 Sale Of Apppliances

Services Income 514800

Electricity Expe 36000

Salary for 2 Person 144000

Insurance Exp 12000

Telephone Exp 4500

Rent If Applicable 48000

TOTAL EXPENSE 259500

Benefit Befor Tax 181544

(Tax If Applicable) 8750

Net Benefit (Profit) 172794

1 38101 24517 62618 201899

2 42510 20108 62618 159389

3 47429 15189 62618 111595

4 52918 9700 62618 59041

5 59041 3577 62618 0

TOTAL 239999 73091 313090

Year WDV Dep WDV Clos.

1 111386 11138 100248

2 100248 11138 89110

3 89110 11138 77972

4 77972 11138 66834

5 66834 11138 55696

Present Discount Rate is 2.5%

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