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Project Report
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For Chief Minister Disabled People Self-
Employment Loan Program
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Purushottam Kumar

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 CONTENTS
1. Project Cover.......................................................................................................................1
2. Contents...............................................................................................................................2
3. Project at a Glance...............................................................................................................3
4. Introduction to Project.........................................................................................................4
5. About the applicant.............................................................................................................6
6. Cost of the Project (Financials)............................................................................................7
7. Wireless Subscribers in India (Annexure 1)..........................................................................8

ANNEXURES
Annexure 2: fodykaxrk izek.k irz......................................................................................................10
Annexure 3: vk;q izek.k irz...............................................................................................................11
Annexure 4: okf"kZd vk; izek.k irz...................................................................................................12
Annexure 5: ljdkjh xkjaVj dk lgefr irz...............................................................................................13
Annexure 6: xkjaVj dk osru iphZ......................................................................................................14

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1. Name of the Project
2. Purpose of Loan
3. Location
4. Applicant’s Name
5. Father’s Name
6. Date of Birth
7. Marital status
8. Permanent address
9. Contact Number
10. Banking with
11. Account No./Type
12. Project Cost
13. Loan Required
14. Applicant’s contribution
PROJECT AT A GLANCE
: PCO & Mobile New Connection/
Recharging Point
: To fulfill the financial need for project
: Shop:
Aanchal Utkarsh Telecom
At: Nai Bazar
P.S. – Khizersarai
Dist – Gaya (Bihar)
: Purushottam Kumar
: Sri Ramkishore Sharan Sharma
: 02/09/1986
: Married
: Village: Chhotiya
P.O. – Takeya Karpi
P.S. - Khizersarai
Dist - Gaya
: 9835453260, 9708144260
: Punjab National Bank, Nai Bazar Branch,
P.S.- Khizersaray, Dist - Gaya
: 1741000100033369/Saving Account
: 2.10 Lakhs
: 1.50 Lakhs
: 0.60 Lakhs
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 Introduction
Project Introduction
The project is to set up a PCO-cum-New Connection/Recharging point at Nai Bajar, P.S. – Khizersarai,
Dist- Gaya. The applicant is applying for Chief Minister Disabled Persons Self Employment Loan program.

Future Prospect & Market Analysis

The applicant has observed certain vital points
based on the feedback received from the
market. The need for this Project arises from
the market response and the established
demand and their future projections. As more
and more regions coming under the ‘mobile
umbrella’, rural parts of India are no different.
The mobile penetration is increasing in this
fastest growing telecom market with
saturation in the urban market; growth in the
Indian mobile market will be driven by an
increased focus on the rural market. Figure 1: Better connectivity for farmers

Mobile has fast moved from a class service to a mass service for the common man – fuelled by
continuously falling tariffs and increased coverage. According to a new research report "Emerging Rural
Mobile Market in India", mobile handset’s sales in Indian rural market is expected to grow at a CAGR of
nearly 17% during 2009-2012 to exceed 75 Million Units
by 2012.

The number of telephone subscribers in India increased

Figure 2: Better prices for produce
to 509.03 Million at the end of September-09 from
494.07 Million in August-2009, thereby registering a
growth rate of 3.03%. With this, the overall Tele-density
in India reaches 43.50. The set target of 500 million
telephones by the end of 2010 has been achieved by
September 2009. The total number of PCOs in the

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country as on 31st March 2008 was 61,85,904. The
rural tele-density at the end of March 2008 was
9.20 as compared to 5.80 ending March 2007.

The number of mobile subscribers in rural areas is

growing day-by-day. Few reasons behind this are
as follows:

Figure 3: Better prices on the move

 Decline in Tariffs:
 Local call tariff for mobile @ Rs. 15.00 is now less than Rs. 0.50
 One minute STD call between Delhi and Mumbai at the rate of Rs.37.00 now cost Re.
0.60 i.e. at the rate of local call
 ISD call to American continent @ Rs. 75.00 now costs less than Rs. 7.00

Public Call Offices

The number of public call offices (PCOs) in the country as on 31st March, 2008 stood at 6.19 million.
During the year 2007-08, 6.39 lakhs PCOs were added, recording an annual growth rate of 11.51%.

The Project & Location

The project is being set up in the name & style of “Aanchal Utkarsh Telecom”. The proposed location is
At – Nai Bazar
P.S. – Khizersarai
Dist – Gaya

The Applicant

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The applicant of this unit is Mr. Purushottam Kumar. The applicant is a physically challenged person but
has the will power to do something himself and after hearing about this scheme, he has decided to take
the financial help of this state government’s scheme. The applicant belongs to a low income family. He
has his own shop at Nai Bazar which is just 1 km from his village Chhotiya. The applicant has done
Matriculation in the year 2001 but due to financial problems, he was unable to continue higher studies.
The applicant is already selling mobile recharging coupons and connections, as he is working as a retailer
for Airtel, Reliance and Idea cellular. Due to ever increasing demand in mobile telephony; he is unable to
fill-up the Demand-Supply gap. due to shortage of fund, the profit is very little in amount.

If the required loan is sanctioned by “Chief Minister Disable Persons Self-employment Loan Program”, he
will be able to start a small business for his better future.

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Details of Cost of the Project
(Financials)

TOTAL
Sr. No. ITEM DETAIL PRICE
1 Furniture’s, Table, Chairs & Racks Wood work and carpenter cost 30000
BSNL FWP for LOCAL/STD/ISD
2 For New Telephone connections Calls with talk value of Rs. 5000, 10000
Battery etc.
Talk Value for transfer of Rs.
3 For Airtel Lapu SIM/New Connections 20K, New Prepaid/Postpaid 30000
SIM's and paper vouchers
Talk Value for transfer of Rs.
For Reliance Easy SIM/New
4 10K, New Prepaid/Postpaid 20000
Connections
SIM's and paper vouchers
Talk Value for transfer of Rs.
For Vodafone Easy SIM/New
5 10K, New Prepaid/Postpaid 20000
Connections
SIM's and paper vouchers
Talk Value for transfer of Rs.
For Idea Virtual Topup/New
6 20K, New Prepaid/Postpaid 30000
Connections
SIM's and paper vouchers
Talk Value for transfer of Rs.
For Reliance CDMA Easy SIM/New
7 10K, New Prepaid/Postpaid 20000
Connections
SIM's and paper vouchers
Talk Value for transfer of Rs.
8 For Aircel EasySIM/New Connections 10K, New Prepaid/Postpaid 20000
SIM's and paper vouchers
Handset Requirement for Balance 6 handsets of average Rs. 2000
9 12000
Transferring each (6×2000)
Cash in hand/bank for miscellaneous
10   18000
expenses
    Total 210000.00

(Rs.Two Lakhs ten thousand only)

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