Business Idea For Pakistan 2022

Business Idea 2022

Where should I invest my money to get a handsome return?

Table of Contents

Business Idea 3

Mission Statement 3

Vision Statement 3

Key success Factors 3

IO (Industrial Organization) Model 3

Reference of Rahim Yar Khan 3

External Environmental factors: 3

1.General Environment 3

a.Culture: 3

Analysis 3

b.Demographic: 3

Location 4

Population Size, Growth and Distribution 4

Weather 4

Analysis 4

c.Technological: 4

Analysis 4

d.Global: 4

2.Industrial Environment: 4

Analysis 5

3.Competitive Environment: 5

Analysis 5

Identify the resources 5

Strategic Implementation 5

Superior Return 5

Competitors analysis 5

SWOT Analysis: 9

Strength 9

Weakness 9

Opportunity 9

Threat 9

Marketing Objectives 9

Survey Questionnaire 11

Survey Analysis 17

Pricing Strategy 21

Product Mix – Packaging 21

Supply Chain 22

Procurement of Inventory 22

Unique Selling Proposition 22

Business Operations 22

Service process: 22

Service Blueprint: 25

Advertising and Sales Promotion 26

Advertising 26

Sales Promotion 26

Management Structure / Organogram: 27

Financial Projections 28

Cost of Project 28

Key Assumptions for sale 29

Projected Income Statement 31

Projected NPV and Payback Period 33

Business Idea

Due to the intensification of wants of the people in the city Rahim Yar Khan, We are going to open a super mart named as “M’s Mart”. There is a big opportunity for us due to less competition in the city. Two small marts (have just daily use items) are fulfilling the customer’s need but they have failed to fulfill the desire of customers in this city.

Mission Statement

“A great opportunity for the customer to not only avail number of facilities at one place but also the entertaining environment is being provided to build strong and profitable relationship with the customer is being provided for them”

Vision Statement

“A great opportunity for the customer”

Key success Factors

Rahim Yar khan is a city where the concept of super market does not exists. We people will be the first one to establish the super market where people can purchase household things, enjoy the food, and entertain their self with shopping, movies and these all are under one roof. So there is no competition for us. We will be having monopoly in the mean time which is one of the success factors for us.

The mart is located few minutes from the center of the city so people can easily come up without any problem and that could increase our store traffic thus leading to more sales.

IO (Industrial Organization) Model

With the reference of this model we have to study the external environment to know how about the market.

Reference of Rahim Yar Khan

Rahim Yar Khan is a city in South Punjab, Pakistan. Rahim Yar Khan is the capital city of Rahim Yar Khan District as well as the tehsil of the same name. The city itself is administratively subdivided into 9 Union councils. Rahim Yar Khan City is one of the few cities in the world that are still at their pioneering places since the formation like London and Damascus. It has been renamed customarily amid last 5000 years, first available (on record) name was AROR or ALOR, and then it became City of Pattan, Phul Wada, Noshehra and now Rahim Yar Khan.

External Environmental factors:

1. General Environment

1. Culture:

• The culture of Rahim Yar Khan is diversified due to the link to the Sindh Province, mixing Punjabi and Sireki cultures.
• The common attire for the male is a long loose shirt hanging up to the knees, made of coarse cloth, a chadder and pagri.
• Shalwar and a Dupatta is the dress of choice.
• The women of this area are very fond of wearing ornaments, both golden and silver.

Analysis

As we are planning to open a “Super Mart” so the cultural changes must effect upon the business. We should have to follow the cultural changes needed by the time. Cultural changes included weather changes (like summer, winter, spring), now a days the red color is the color of year so the people want to see them in red, and like Basant festival, Eid festival, Islamic occasions, Wedding occasions and many of other changes may affect our business and these are considered as a basic requirement to achieve our vision that by also fulfill the requirement of our customers and make the customer happy.

2. Demographic:

Location

• Rahim Yar Khan is bounded on the north by Muzaffargarh District, on the east by Bahawalpur District, on the south by Jaisalmer (India) and Ghotki District of Sindh province and on the west by Rajanpur District.

Population Size, Growth and Distribution

• According to the 1998 census, the city population was 233,537 with an annual growth rate of 3.50%. As of in 2009, it is around 340,810.
• The area of Rahim Yar Khan City is about 22 Square Kilometer.
• The average annual growth rate was 3.2 percent during this period.
• The total area of the district is 11,880 square kilometers which gives population density of 264 persons per square kilometer as against 155 persons observed in 1981 indicating a fast growth rate of the district.

Weather

• The climate of the district is hot and dry in the summer and cold and dry in the winter.

• The summer season is comparatively longer.
• It starts in April and continues until October.
• The winter season goes from November to March.
• However, the month of March and November are pleasant.
• Dust storms are frequent during the summer season.
• The average rain fall is about 100 millimeters.

Analysis

To achieve the vision and mission of our business we have to segments a market into different allocations (like; on the basis of gender requirement we must look after the convenience of male and female particularly, we also make a separate segment of children like play land area). We have to segment our market on entertainment basis (like; super store on ground floor, Shopping area on first floor, Food court, conference halls and play land area on second floor and cinema on third floor).

3. Technological:

• Rahim Yar Khan is one of the modern district headquarter cities in Punjab. Although the city seems a far off place to those living in Lahore, Karachi or Islamabad, but the city has very good civic facilities.

Analysis

For the implementation of new technology we are planning to control the “Super Mart” activities with the proper computerized system (like; lifts, stairs elevators, ERP system for our Supply chain and accounts process) in order to get rid of panic situation and also make to satisfy the customer and good will of the “Mart”, we also include conference halls to have corporate meetings, seminars etc involve with creating new knowledge and new output, for the convenience of the customer we have to plan a ATM machine that is complete the need of customer on the spot.

4. Global:

For globally putting an image of our “Super Mart” we are planning to search out the sum of internationally recognize brands (like; KFC, Bareeze, Saeed Ghani, Levi’s, Hang ten etc)

2. Industrial Environment:

• Wheat is the staple food grains of this area.
• Vegetables are consumed mostly in winter when turnibs, radish and mustard are plentiful.
• Sag (pot herb) and dal are commonly used in super. Bread smeared with Ghee or butter is given to the working male members of the family and the women folk rarely enjoy this buttered bread.
• A favorite dish of rich is Saji, a goat or lamb roasted in the oven or on fire.

Analysis

To gain the attraction of customers we have to plan to put some of the outlets of such companies which are not available in that city. The outlets included KFC, Saeed Ghani, 3D Cinema, Levi’s and some of the popular outlet included in our “Super Mart” which are not only fulfill the requirement of the customer but also the basis of our profitability of our business.

3. Competitive Environment:

• “Cafe Lamis” “The Food Track” and “Hot Chicks” are best Hotels and fast food restaurants of this city.
• Some more famous restaurants are “Bhatti Snacks”, “Pizza and Pizza”.
• There are so many small cafes in this city.
• There are some small marts also named as Rohi Mart and Q’rras.
• There is a local cinema in the city, and some boutiques (like; Bareeze, Junaid Jamshaid)

Analysis

As there is no super mart in the city so there is no such competitor survive in the market but for the need and requirement of the customer which make them a satisfactory environment of shopping and entertainment we are planning to open a “Super Mart” on the standardized strategies followed by the market. There are some small competitors have founded in the study of the external environment and we must focus on them and the great advantage for us is that all of the customer’s requirements are fall in a single place by which they can easily fulfill their needs and wants.

Identify the resources

As we have mention above the strength of our business are the international brands which are the part of our super mart and have a great attraction for the customers.

Strategic Implementation

Structure of our business is being in process and the control system is being specified as above.

Superior Return

The return we are planning is to be achieve with the passage of time (like; the cinema, conference halls, rental shops for outlets etc).

Competitors analysis

Rohi mart and Q’rras are our competitors in the grocery products, and there are some other small marts which have included the food sector and garments sector and the competitors in food sector are named as Café Lamis, Hot Chicks, Pizza and Pizza, and garments sector included Bareeze, J&J, Mushroom’s and some other local boutiques.

The competitor’s analysis is shown in below mention tables, and the analyses have covered the part of introduction of competitor, infrastructure of competitor, and bench mark & competitive advantages.

Rohi Mart
Features	Benefits
Introduction	Rohi Mart is located in city Raheem Yar Khan beside the Cholistan Rangers Head office. It has the grocery items for sale and also has a bakery which is attached with mart but that is sub business of Cholistan Rangers. Rohi Mart is the subsidiary of Cholistan Rangers.
Infrastructure	In the infrastructure, this mart has cover the area of 2000 square feet (680 yards) and the whole area covered with the grocery products.
Bench Mark & Competitive Advantage	The town in which this mart is located that area have just one single market to purchase the things but the people of that area are still go outside in the main market to purchase the other things. Due to individual seller in that particular area this mart has a competitive advantage and they due to the subsidiary of the Cholistan Rangers they have the bench mark over there.

Q’rras
Features	Benefits
Introduction	Q’rras is the Mart which is located near town hall (district council office) this business is owned by Mr. Shaikh Tariq Ali privately.
Infrastructure	In the Infrastructure this mart has covered the area near about 2100 square feet (700 yards). The area of 300 square feet (100 yards) is cover with the warehouse and the other area which is around 1900 square feet (600 yards) is cover with the grocery products.
Bench Mark & Competitive Advantage	The area in which this mart is located there are just two or three small shops for retail sale, but due to the verity of the products they have competitive advantage over there, and had a bench mark in the area. But they have covered their huge space of the mart with grocery products and have a bit verity of ports.

Other Small Competitors (Foods)
Features	Benefits
Café Lamis
Introduction	Café Lamis is the restaurant which is located beside the Q’rras opposite to town hall.
Infrastructure	This restaurant has covered the area aprox 3000 square feet (1000 yards) and had five floors. This had covered the range of food items, and also known as the place to stay for the guests.
Bench Mark & Competitive Advantage	Café Lamis is the only a big restaurant in the city with the coverage of food products so it had a commutative advantage over there and also had a bench mark in the city. But they due to very high prices of their products they lost their opportunity to cater the middle class families, and now it is just known for the residential place for the guests.
Hot Chicks
Introduction	Hot Chicks is the fast food restaurant and located at main Shahi road.
Infrastructure	They have cover a space of normal shop which is aprox 600 square feet (200 yards), and have one ground floor (cover with the counter and kitchen) and first floor (cover with the dining hall)
Bench Mark & Competitive Advantage	Hot Chicks have covered the verity of products in fast foods, and in that area there is only one fast food restaurant so that’s way they have competitive advantage and cover the 50% share of the market.
Pizza and Pizza
Introduction	Pizza and Pizza is located near to the route to Bahawalpur which is named as Khanpur bus stop.
Infrastructure	They have covered a huge space for their kitchen, and dining hall. The space covers with two floors (ground and first).
Bench Mark & Competitive Advantage	Pizza and Pizza is a franchise of an international brand so they have the 40% share of this market related to pizza. The taste is very nice so they have a bench mark on the mind of people of Raheem Yar Khan, and haven’t any close competitor so they have the advantage to lead the market.

Other Small Competitors (Garments)
Features	Benefits
Bareeze
Introduction	Bareeze is the branded cloth in the Pakistan and had an outlet in Raheem Yar Khan which is located in main Sadiq bazaar.
Infrastructure	They have covered a huge space to capture their market in this city with their sub brand "Leisure Club".
Bench Mark	Due the huge verity in garments and with their brand name they have cover the market in this city and they also have a bench mark in the mind of this city.
Junaid Jamshaid (J&J)
Introduction	Junaid Jamshaid (J&J) is a branded cloth for man’s (Kurta Shalwar) in Pakistan.
Infrastructure	In Raheem Yar Khan J&J is known as Man's ware (Kurta Shalwar) and covered the space in main Sadiq bazaar.
Bench Mark & Competitive Advantage	Due to the new and a wide range of Kurta Shalwar J&J had a bench mark in the mind of the people of this city and due to their high growth in this area of specialty in Kurta Shalwar they have competitive advantage in this city.
Mushroom’s
Introduction	Mushroom’s is a branded cloth for children in Pakistan.
Infrastructure	Mushroom’s are having covered the space in Sadiq bazaar opposite Bareeze, and have popularity in baby and baba garments.
Bench Mark & Competitive Advantage	They have covered a huge space to capture their market in this city in the range of baby baba garments and have a bench mark in this city.

SWOT Analysis:

Strength

• Many more accessories are being available at one place.
• We have more focused on quality of the product instead of price.
• The branded outlets are the main source for the attraction of customers.
• The entertaining environment is also one of the main strength of M’s Mart.
• Good and healthy environment is being provided for the customers and the consumers both.
• One of the main strength of the M’s Mart is that there is none of other mart is being situated in the city.
• One of the major strength of the M’s Mart is define by its location i.e. it is situated in the center of the city so the people can easily avail this great opportunity.

Weakness

• As the mart is located in the center of the city, so there is some difficulties faced in the parking system; but the underground parking area is provided to overcome this problem as much as can.
• In the city there is a main problem of that is the shortage of supply on electricity.

Opportunity

• A great opportunity for the customer to avail the facilities
• A great opportunity for the investor that there isn’t any competitor in the city
• As investor purchases the land by their own, so we can easily manage the rent of land

Threat

• At the initial stage, to start a business the small competitors may have to create some difficulties to run the business in actual direction, because the linkage of customers can break with the passage of time.
• The risk factor is very high.

Marketing Objectives

• We are providing a great opportunity for the customers to buy all the accessories under single roof and we want to attract new customers.
• We want to increasing the sales volume rather than making profit in the short-term.
• There isn’t such type of gigantic competitor in this business in the city. So eventually raising prices in future will not be a problem for our company since people will not switch to some other place to buy the products.
• Using this strategy our cost will be controlled and it will lead to greater efficiency.
• It also creates high stock turnover throughout the distribution process.
• Our main focus is to provide the standardized and high quality of the product rather than the prices.
• We are focusing to provide a good, entertaining, and healthy environment to both customer and consumer.
• For the marketing campaigns we are going to use the social media and print media.
• We also want to make some profitable schemes for the customers from those schemes our customers can take benefit.

Survey Questionnaire

Demographic

Q.1: What is your age?

• 20-25
• 26-30
• 31-35
• 36-above

Q.2: What is you gender?

• Male
• Female

Q.3: What is your marital status?

• Married
• Unmarried

Q.4: What is your income?

• 10000-20000
• 20000-30000
• 30000-40000
• 40000-above

Q.5: Where do you live in the city?

• Posh Area
• Center of the city

Q.6: Are you lusty for shopping?

• Yes
• No
• Maybe

Promotion

Q.7: In your view which is the best way it communicates with the customers?

• Cable
• Billboards
• Pamphlets
• Social Media

Q.8: Offering Discount is a good way for the promotions of mart?

• Strongly Agree
• Agree
• Natural
• Disagree
• Strongly disagree

Q.9: In your point of view Promotion of Mart with different styles is a good way?

• Animation
• Funny or Humor
• Attractive
• Knowledge

Positioning

Q.10: In Your Point of Views Entertainment facilities are suitable for a Shopping Mart?

• Strongly Agree
• Agree
• Natural
• Disagree
• Strongly disagree

Q.11: When you go for shopping, which type of food you prefer?

• Fast Food
• Desi Food
• Drinks
• Juices

Q.12: What criteria admire you while shopping in a Mall?

• Price
• Quality
• Service
• Things available under one roof

Price

Q.12.1: Are You Satisfied with the prices of branded products?

• Yes
• No

Q.12.1.1: Are You Satisfied with the prices of unbranded or local products?

• Yes
• No

Q.12.1.2: Do you prefer whole sale shopping?

• Yes
• No

Quality

Q.12.2: Are You Satisfied with the quality of branded products?

• Yes
• No

Q.12.2.1: In your point of view is the quality meter for the stability of Mart?

• Yes
• No

Service

Q.12.3: Do you like to feel that care taker is placed in the play land area?

• Yes
• No
• Maybe

Q.12.3.1: Would you recommend about the female sales persons?

• Yes
• No

Q.12.3.2: In your point of views which type of service should provide by food department?

• Self Service
• Serve on dining

Q.12.3.3: Finding goods is easy way, Satisfied you?

• Strongly Agree
• Agree
• Natural
• Disagree
• Strongly disagree

Under One Roof

Q.12.4: Do agree with the concept of under one roof, that all the Goods are available under one roof?

• Yes
• No

Q.12.4.1: Do you agree that play area and food court fulfill your and your children need under one roof where shopping is also available?

• Yes
• No

Survey Analysis

Demographic

Graphical Representation: About 40% of the population is in between 26-30 years. Which is mainly based on female having 56% of the total population. The marital status is found that 76% are married and the income is in between 30-40 thousand rupees and mostly customers are usually live in the center of the city and in the views of 44% people of this city they are lusty for shopping.

Analysis: Above data shows that the main customers of our mart is mainly based on female as the female are feeling good for the shopping and the level of income is being moderate for a shopping mart so with the focus on that customer we are looking to satisfied the customer's need and wants and feel good to them.

Promotion

Graphical Representation: 36% of the customers are satisfying to promoting the mart by cable and 32% of them are interested from social media promotion. For the promotion of the mart the discount factor is agreed by the customers and 40% of the populations are usually wanted to watch an attractive style of promotion.

Analysis: From the above data we Analyize that we usually focus on cable and social media promotions for developing the interest to the customers and for the opening of mart we offer a discount promotion and we also put an attractive adds for which we giving a suitable knowledge for the customer as our the business objective mainly focus on customer that customer are the king of the business.

Positioning

Price

Quality

Service

Under One Roof

Graphical Representation: 36% customers are interested in the high quality and want to buy the things under one roof. The service and the price are the second criteria while shopping in the mall.

Analysis: From the customer point of view most of the customers are usually interested in branded products due to their price and quality so we are decided for the availability of branded products in our mart and we also interested to provide a sufficient service for the convenience of the customers and also this would help for the stability of mart and a profitable business we earn by focusing to the customer's needs and wants. Most of the customers also give the indication that they feel much better to buy the products, or want to do shopping under one roof as compare to different markets. So, this would be a positive indicator for our business to give great opportunity to our customers to entertain different facilities which are provided.

Pricing Strategy

“Penetration pricing strategy will be used in pricing the products in our super market. In penetration pricing strategy the company sets relatively low entry price of the products and with the passage of time it eventually raises the prices”. Reasons behind using this strategy are below mentioned:

1. “We want to attract new customers”
2. “We have a marketing objective of increasing sales volume rather than making profit in the short-term”.
3. “There is no competitor in this business in Rahim Yar Khan. So eventually raising prices in future will not be a problem for our company since people will not switch to some other place to buy the products”.
4. “Using this strategy our cost will be controlled and it will lead to greater efficiency”.
5. “It also creates high sto0ck turnover throughout the distribution process”.

Product Mix – Packaging

The products our super market will be selling to the customer will range from local to international brands.

Fresh Food

• “Dairy products”
• “Baked goods”

Dry Food

• “Basic commodities (pulses, spices, sugar, wheat, rice, oil and ghee)”
• “Confectionary items”
• “Drink and beverages”
• “Canned and packaged goods”

Non Food Products

• “Office and Stationary”
• “House hold and kitchen warehouse”
• “Hygienic products (soaps, body, face and mouth washes, shampoos, deodorants, floor cleaning products and janitorial cleaning supplies)”
• “Toys and luggage”
• “Clothes”
• “Cosmetics”
• “Accessories for ladies(handbags, pouches and purses and various jewelry items)”

"Our suppliers for FMCG products will be UNILEVER, P&G, NESTLE, ENGRO FOOD, SHAN, NATIONAL, PEPSI, COCACOLA, K&N’S and other local manufacturers products”.

Supply Chain

For the process of supply chain we have a supply chain manager in this mart and he should be knows about all the aspects of supply chain; that how to make the relationship with our suppliers, (is it any type of collaborative or alliance relationship in between the mart and their suppliers). This procedure should tackle with the ERP system, and we use the Oracle base system in this mart.

Procurement of Inventory

For the procedure of procurement and controlling of inventory we are using ERP system which is based on Oracle, and according to our plan and our management there were a main server where the sold stock automatically mention and it would be linked with the cash counters, through this process we can easily know that which inventory is on its lead time and our inventory controller can easily make the order for those products/ items. After the order process our supply chain manager should make the possible effort for purchase the inventory on the behalf of our relations with our suppliers.

Unique Selling Proposition

Our super market unique selling proposition will be that it will be providing quality products and superior customer service for the shoppers under one roof since there is no other super market in Rahim Yar Khan that is providing variety of products at same place. There are only small grocery stores and shops that are not fulfilling then needs of the people.

Business Operations

Service process:

Since we are establishing a super mart and will be providing services (selling of household items, food, entertainment) so there won’t be any production process.

Figure 1.1 shows service process model.

(Figure 1.1)

A more detailed service process is below.

Suppliers will be the distributors of various FMCG, beverages, spices and food manufacturing companies. We will be in direct contact with the distributors of these companies for supplying the products to our warehouse which covers the underground portion of our super mart.

Service Blueprint:

Zee Mart Carts for putting Shelves, fridges consumer Sales person on counters Bill/Cash

Exterior grocery and and racks items and for promotional counters

Parking household items grocery activities

Advertising and Sales Promotion

Advertising

The methods we will be using for advertising our super market and products being sold in it will comprise of

1. Brochures or flyers: brochures will be containing a great deal of information related to the products features, benefits and prices and they are also not costly to make.
2. Newspaper: Almost everyone reads major newspaper which is circulated in Rahim Yar Khan. To provide awareness and information for our newly establish super market newspaper is the best medium to convey our message. It is an expensive way of advertising but it reaches masses and is very effective. We will be allocating budget for advertising and through that budget plan we will be spending money.

Sales Promotion

Special offers: It can increase sales and include coupons, discounts, sales on products and distribution of a product based on balloting.

Management Structure / Organogram:

M’s Mart involves substantial investment in the initial phase of its establishment, therefore professional and technically sound management at all levels is required to ensure ongoing profitability. The proposed management structure is described below and depicted in the form of an organogram.

Day to day management will be under a Chief Executive Officer / Owner who will perform and monitor all functions of the Mart. Operation Manager, Supply Chain Manager, Floor Manager, Social Media Executive, HR & Admin Manager, and Finance & Accounts Manager will all be senior level executive positions which need to be filled by professionally competent individuals. All these management position will play crucial roles in the project’s success.

Financial Projections

M’s Mart			Annexure I
Financial Plan
			Total
EQUITY
Owner's Equity			10,292,000
Others			-
Total Equity			10,292,000
DEBT
Long-term Debt			9,438,000
Short Term Debt			6,000,000
Total Debts			15,438,000
TOTAL CAPITALIZATION			25,730,000
DEBT/EQUITY RATIO		60%	40%
Sponsor's Stake (%)			60%

Cost of Project

M’s Mart		Annexure II
Cost of Project
		Total
Land & Development		12,400,000
Building & Civil work		2,307,480
Machinery		800,000
Office Equipment		100,000
Furniture & Fixtures		1,000,000
Vehicles		850,000
Erection & Installation-Local		100,000
Preliminary Expenses		493,140
Interest During Construction		1,157,850
Contingencies		670,847
Total Fixed Cost		19,879,317
Initial Working Capital		5,853,632
TOTAL PROJECT COST		25,732,949
Total		25,730,000

Key Assumptions for sale

M’s Mart					Annexure III
Key Assumptions
Customer Category	Customer Volume daily (Avg.)		Merchandise Value (Avg.)			Daily Sale (Avg.)	Monthly sale (Avg.)	Annual Sale (Avg.)
Category A	35		1,000			35,000	1,050,000	12,600,000
Category B	55		750			41,250	1,237,500	14,850,000
Category C	75		500			37,500	1,125,000	13,500,000
Category D	95		250			23,750	712,500	8,550,000
						137,500	4,125,000	49,500,000

M’s Mart	Annexure IV
Key Assumptions
Particulars	Annual Growth
Sale	15%
Cost of Goods Sold	61%
Utility Exp.	10%
Office Vehicle Exp.	2%
Office Stationary Exp.	1%
Professional fees	0.1%
Misc Exp.	5%
Property Tax	10%

Projected Income Statement

		Projected Income Statement
		M’s Mart
		For the year ended 31st Dec, 20XX
						2013	2014		2015	2016		2017	2018
	Revenue				49,500,000	56,925,000			65,463,750			75,283,313	86,575,809			99,562,181
	Cost of goods sold				30,000,000	34,500,000			39,675,000			45,626,250	52,470,188			60,340,716
	Gross Profit				19,500,000	22,425,000			25,788,750			29,657,063	34,105,622			39,221,465
	General Admin and Selling exp:
	Salaries exp.				2,592,000	2,592,000			2,592,000			2,592,000	2,592,000			2,592,000
	Utility Exp.				5,750,013	5,806,414			5,868,455			5,936,700	6,011,769			6,094,346
	Office Vehicle running exp.				120,000	122,400			124,848			127,345	129,892			132,490
	Office exp. (Stationary, etc)				180,000	181,800			183,618			185,454	187,309			189,182
	Insurance exp.				26,537	26,537			26,537			26,537	26,537			26,537
	Depreciation exp.				816,944	816,944			816,944			816,944	816,944			195,374
	Misc. exp.				100,000	105,000			110,250			115,763	121,551			127,628
	Property tax exp.				3,000	3,300			3,630			3,993	4,392			4,832
	Total General Admin & Selling exp:				9,588,494	9,654,395			9,726,282			9,804,736	9,890,394			9,362,388
	Operating Income (EBIT)				9,911,506	12,770,605			16,062,468			19,852,326	24,215,228			29,859,077
	Interest exp.				2,435,700	1,415,700			1,179,750			943,800	707,850			471,900
	Earnings before tax				7,475,806	11,354,905			14,882,718			18,908,526	23,507,378			29,387,177
	Tax				2,616,532	3,974,217			5,208,951			6,617,984	8,227,582			10,285,512
	Net Income				4,859,274	7,380,688			9,673,766			12,290,542	15,279,795			19,101,665

Projected NPV and Payback Period

	Net Present Value
	Discount Rate	17.5%
	Years	0	1	2	3	4	5	6
	Cash Flows	(25,730,000)	2,840,888	4,296,020	12,359,855	22,912,385	36,306,875	52,732,277
	NPV	35,687,238
	Payback Period
	Years	0	1	2	3	4	5	6
	Cash Flows	(25,730,000)	2,840,888	4,296,020	12,359,855	22,912,385	36,306,875	52,732,277
		(25,730,000)	(22,889,112)	(18,593,093)	(6,233,238)
	Payback Period	3.27

Note: All the above financial projections are not the real figures these all are basis on the assumptions.

Business Idea,Business in Pakistan,Investment Opportunity.

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