CAFÉ NIA

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M . U m e r ( 8 0 2 8 )

N i d a Z a f a r ( 7 9 8 0 )

A h s a n B h a m ( 8 1 0 6 )

Zouk n Shok is considered an innovativeand lucrative business idea. The idea of such

business will be able to attract numberofpotentialinvestors. The report will cover many aspects of

the business competitive edge that makes it

different from the other businesses present in the

market. A positive Financial Plan makes the

project more feasible.

Feasibility Report

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IINNTTRROODDUUCCTTIIOONN

Scope of the Report

This report gives you the holds all the details that are we need to present forour

business that we have decided to start. The report also takes into consideration the

originality and integrity ofthe project.

Purpose of the Report

This report is to be presented to the potential investors. Its purpose is to seekbank

loan, by presenting a valid documentary proofregarding the future business activities to be

profitable. The report also highlights the certain aspects ofconsumer behavior and market

situation into which the business plans to enter.

Summary

The defining features ofZouk n Shok is its assertion that everythings made

available underone roof. It is a one-stop entertainment outlet located in Gulshan-e-Iqbal,

Pakistan; featuring a caf, networkgaming, sheesha, snooker and wireless internet. Zouk

n Shok is supported by interests of the youngsters of nation, the growing demand for

network gaming facilities and the customer need for a distinctive hangout zone. Zouk n

Shok purpose is to deliver trendy refreshments in an innovative and customer friendly

manner.

Business Concept

To develop a sophisticated and upscale ambience that will be Nia Cafs Unique

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To provide the ultimate networkgaming platform

To deliver what young peo ple want - a unique Nia cafs experience at an

affordable rate

To generate a sizable profit for the owners and provide a rewarding working

environment for employees

Current situation

KKEEYY SSUUCCCCEESSSS FFAACCTTOORRSS:: Gulshan-e-Iq bal is an u pscale, densely populated

town in Karachi, Pakistan. It is a commercial hub and home tomany residential structures

and educational institutions, such as the Karachi University. These form the basis ofNia

Cafs target market. Zoukn Shokstands to succeed because it will be fulfilling the need

for a distinctive entertainment outlet amongst the youth of this area. It will capitalize on

stylish dcor and cultural ambience, thus enhancing its appeal over that ofcompetitors.

Furthermore, a trend in Pakistan is the growing demand for network gaming

solutions. By offering the ultimate network gaming platform, Zouk n Shok ho pes to

address this trend and attract a substantial customer base.

FFIINNAANNCCIIAALL SSIITTUUAATTIIOONN//NNEEEEDDSS:: Based on the type of business to be carried

out, it will need to finance the purchase ofnumber of assets, materials / su pplies, and

employing people. There will also need to be money to cover the running costs. It may be

some time before the business generates enough cash from sales to pay for these costs.

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money required, frequency of generation, cheapest sources, involvement of risk, and

duration will be our highlighted priority.

Vision

VVIISSIIOONN SSTTAATTEEMMEENNTT::Zoukn Shokaims tofoster brand loyalty by deliveringquality entertainment all underone roof, in one exclusive environment.

LLOOCCAATTIIOONNAANNAALLYYSSIISS

Why here?

Zoukn Shokwill be located in the commercial area ofGulshan-e-Iqbal, Karachi,Pakistan. This location is ideal for the following reasons:

Close to target market: educational institutions

Parking Availability

Population density

No close competitor

How can We succeed here?

Yaseenabad Street in Gulshan Iq bal Block-13 is also known as the Education

Street due to the presence of several educational institutions throughout the street. The

area is busy with students activity right frommorning 8AM till late 12AM when the last

batch ofstudents leave after attending their respective classes. (Appendix-I)

The area is currently lacking any decent hangout zone for snacks and leisure

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MMAARRKKEETTAANNAALLYYSSIISS

The overallmarket

The establishment ofZoukn Shokinvolves certain risks and considerations:

Will customers be willing to pay a premium price for Cafs unique selling

proposition ambience?

Will the opening of an entertainment zone near educational institutions spark

controversy amongst parents and educators?

Will the trend ofnetworkgaming continue into the future or is it just a fad?

Market segments

Zouk n Shoks market is comprised of two grou ps: students and a minormarket

segment ofpeople aged 25-35. The students constitute the bulkofthe youth market that is

in demand ofan innovative fun hangout zone. The minor segment refers to adults who are

network gaming fans and are looking for a place to relax after a long day. The student

segment can be further divided into school, tuition centre and university students.

Growing demand for networkgaming.

Class system in Pakistan upper classes prefers exclusivity in entertainment.

Changing social trends has bought a great opportunity for the caf

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Targe marke andcu mers

Customerc aracteristics

The customer mostl co sists of students of different institutes, schools, and

colleges. The youngsters need a place tohang outin a specific time slotof8AMto 12AM.

Withthe currenttrend ofcomputer net ork gaming, students have started totake interest

in such activities. Therefore they required best equipments and gadgets to fulfill their

interests. Ambience and food is also an important demand no adays where they require

best quality and quantity at reasonable rates.

Rest of the population consists ofupper class people who require ambience and

quality. These people need a place to pass time and enjoy with their family and loved

ones.

2904

980

1024

512

1352

12000

661.5

3240

15625

18743

2009-10 Potential Customers

Residential Area

Students Inn

Shaheen PublicSchool

Excellency Coaching

Sadequain Institute

Samdani MedicalCollege

Fahim's School

Aptech ComputerInstitute

LongitechEngineering College

Karachi University

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CCOOMMPPEETTIITTIIVVEEAANNAALLYYSSIISS

Nature of competition

In such an environment the competition among different businesses will be

basically based on pricing. Business will be concentrating on the operational effectiveness

and improving productivity levels. Theres also space for continuous improvement, where

new facilities and services will eventually attract more and more customers.

Primary competitors

There are three main competitors in the region:

English Snooker Club This is a 5 minute drive away fromour proposed location

and provides snookerfacilities.

Fariya Gaming Arena This provides networkgaming facilities and is situated 10

minutes drive away fromour location.

Encounters Gaming Zone This provides networkgaming facilities and is located

10 minutes drive away fromour location.

Competitive products/services

None of the competitors have am bience specific outlets nor do they offer

everything underone roof. In addition, their gaming zones are small and congested. Zouk

n Shok is an entertainment outlet cum cafoffering everything from sheesha to wireless

internet. It aims to revolutionize the networkgaming zone in Gulshan-e-Iqbal by providing

a spacious area for gamers to relax as they play with food that is finger licking good. They

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SWOT Analysis

As part ofits planning process, Zoukn Shokhas scanned its internal and external

environment in order to appraise the strengths, weaknesses, opportunities and threats

(SWOT) open to it.

Strengths:

Unique Selling Point differentiation by way ofambience

Good location

Knowledgeable and experienced management team

Wea

knesses: Relatively high initial cost structure

Need for large, spacious location to set up

Opportunities:

Unfulfilled customer need for such a hangout zone in Gulshan-e-Iqbal

Threats:

Possible establishment of Playdium in Gulshan-e-Iq bal, as Playdium is the most

reputed networkgaming zone in Karachi. This may increase competition.

Emergence ofcopycats businesses

Possible objection by educational institutions

Ch i t d

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SSTTRRAATTEEGGYY

Zouk n Shok will integrate a penetrative pricing policy. Prices will be kept at

relatively low levels so as to capture market share, encourage fast diffusion and adoption.

Not only is this important because demand is price elastic but it will create goodwill

amongst customers and generate word ofmouth promotion. Eventually, as Zouk n Shok

establishes its presence and consumers develop loyalty for its services (thus making

demand more inelastic) a premium will be charged on the prices. This will take into

account the value added services that Zouk n Shok provides, by way of its innovative

ambience.

Implementing strategy

PPRROODDUUCCTTSS//SSEERRVVIICCEESS::Zouk n Shok will be a network gaming and snooker

caf. This caf will be comprised of three floors. The underground level will provide

snooker and pool facilities. The ground level will be a cafoffering specialty meals and

beverages. There will also be a coffee baroffering a selection ofcaffeinated delights and a

provision of wireless internet. This level will also have a Sheesha corner featuring an

Arabic theme. The upper level will be the gaming section featuring the latest technology

for delivering the ultimate gaming experience. (See Appendix-III)

PPRROODDUUCCTT//SSEERRVVIICCEE DDEESSCCRRIIPPTTIIOONN::Zouk n Shok will offer customers the

dual option of gaming with others on the network and playing on Link Dot Net. At

present Nia cafes Data Server allows data transfer at high rates As such customers will

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Gulshan-e-Iq bal. The caf, pool, snooker and sheesha corners will be differentiated by

ambience.

PPRROOMMOOTTIIOONN OOFFPPRROODDUUCCTTSS//SSEERRVVIICCEESS::Zoukn Shokwill be implementing

both above and below the line promotion. This means that we will be advertising through

posters, (which will be placed in strategic locations near schools, supermarkets, internet

cafs and areas where members ofour target market are likely to frequent) newspapers,

local radio channels and local TV channels such as Hum TV.

We will also be renting out a stall in Gulshan-e-Iq bals Millennium Mall and

sending out pamphlets to people, informing themof the innovative caf that is soon to be

established. This will be done on Friday-Sunday as this is the optimal time for students to

socialize at the mall.

On the cafs opening day, there will be media presence at Zouk n Shok. Local

radio station coverage will be invited and as part of special promotion, the first 100

customers will walkaway with a free meal.

CCOOMMPPEETTIITTIIVVEE EEVVAALLUUAATTIIOONN OOFF PPRROODDUUCCTTSS//SSEERRVVIICCEESS:: None of the

competitors have ambience specific outlets nor do they offer everything underone roof. In

addition, their gaming zones are small and congested. Zouk n Shok is an entertainment

outlet cum caf offering everything from sheesha to wireless internet. It aims to

revolutionize the network gaming zone in Gulshan-e-Iq bal by providing a spacious area

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OOPPEERRAA IIOONNSS

Ke personnelThe Caf will be equally owned by a teamoffour partners. The main operations of

the caf will be undertaken by this team. Zouk n Shok willhave a simple organi ation

structure and will implement a short chain of command so as to facilitate business

communication and save time.

OO

GGAA

ZZAATTIIOO

AA

SSTTRRUUCCTTUURREE

UUMMAA RREESSOOUURRCCEESS PPLLAA Supplementary labor such as waiters, kitchen staff,

janitors and security personnel will be employed and paid a monthly salary. (Appendi I

Security

Rehan Altaf

(CFO

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CCRREEAATTIINNGG TTHHEEFFIINNAANNCCIIAALLSS OOFF TTHHEEBBUUSSIINNEESSSSPPLLAANN

Assumptions and Comments

WWOORRKKIINN CCAAPPIITTAALL: It includes o perating cash requirements, inventory,

su pplies, necessary prepayments, and line of credit (provided by the su pplier). The

percentage of yearly expected sales will be taken as working capital and any changes

occurred will be made in the inventory account, i.e. 12.5%.

VVAARRIIAABBLLEE EEXXPPEENNSSEESS:: Based on the research made from the running business

in the area. There are certain variable expenses; including electricity, gas, and

miscellaneous petty expenses that are based on the turnover of the business. There is a

specific percentage ofSales revenue that is taken as such expenses, i.e. 45%.

BBRREEAAKK--EEVVEENN:: Given a yearly fixed cost of employee payroll, deprecation and

prepayments. Break-even can be calculated as follows:

Break-even =

=

=

= Rs. 11,825,455

Therefore, tomake the venture profitable yearly sales revenue must be above Rs.

11.8 Million. Aftermaking a prudent projection, projections ofSales revenue for the first

month are Rs. 1.25 Million which sums up to annual revenue in the first yearofRs. 15.4

Million.

%%AA EE RROOWWTTHH OONN SSAALLEESS RREEVVEENNUUEE:: According to the current inflationary

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SSAALLVVAA EE VVAALLUUEE:: The terminal cash flows of the fixed assets are to be taken at

W.D.V.s that are depreciated based on number of assumptions. Total Working Capital

including the yearly changes is also being taken into effect.

Cash FlowProjection

Projections on cash flows are made through indirect method, where non-cash items

are added to the After Tax Earnings and any changes in working capital are taken into

effect. (Appendix-VI)

Net Cash Flows will be added into the opening balance ofCash account and will

also be taken into account while calculating the NPV and IRR of the business. Any

projections in Cash Flows are subjected to change depending upon various factors

discussed earlier in the report. Therefore a scenario analysis has been alsomade to take

into affect the best and worst case scenario. (Appendix-VII)

Measures of evaluating performance such as NPV and IRR have also been taken

into account. It is often assumed that higher is betterfor both ofthe net present value and

the internal rate of return. In particular, it is usually stated that investments with higher

internal rates of return are more profitable than investments with lower internal rates of

return.

NNPPVV:: In the future, at years 2010, 2011, 2012, and 2013 will generate cash flows

as prospected in the appendix. The investment having a salvage value will be added into

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IIRRRR::It is the discount rate that makes the net present value equal 0. Here the IRR

is 23.1 %, which shows that the investment will be recovered before its intended venture.

SSCCEENNAARRIIOO AANNAALLYYSSIISS:: Here we consider the base scenario, the best case

scenario and the worst case scenario. Here 10% variance of the sales and variable

expenses are taken. In worst case scenario the sales have been decreased and variable

expenses are increased by 10%, vice versa in best case scenario. Thereby, scenario

analysis suggests that the project could be highly profitable, but also that it is quite risky.

There is a 10% probability that the project would produce an NPV ofRs. 1.5 Million. The

standard deviation is at Rs. 0.3 Million, and the coefficient of variation is 0.32, that is

favorable. There is 10% probability of result in a loss ofRs. 1.8 Million. The expected

NPV is Rs. 1 Million.

Balance SheetProjection

Balance Sheet projections include the depreciation charged in the Fixed Assets. It

also includes the amortized long-term debt that is being paid off over the period of 4

Years. Equities are accounted for with the effect ofAfter-Tax earnings. (Appendix-VIII)

Bank Financing

Term Loan (4-years) amount ofRs. 1 Million tofinance capital assets at 19% p.a.

(Appendix-IX)

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CCOONNCCLLUUSSIIOONN

The report can be concluded to be an innovative idea with lots offuture prospects.

If provided with a sufficient funding the business has the potential to be profitable on a

larger scale and also has future expansion opportunities. The idea of having everything

made available under one roof will definitely attract number of customers specially

students around the location. With the quality gaming equipment, best environment and

quality food products the business intends to attract a large population those are interested

in such products and services. Therefore, the conceptualization of such an idea must

credited and given an opportunity to prove itself.

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AAPPPPEENNDDIIXX

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I

Location Analysis:

Students

Inn

Shaheen

Public

School

Caf Nia

Petrol

Pump

Bank

Excellency

Coaching

Sadequain

Institute

Samdani Hospital

Complex &

Medical College

Fahims School

levels

To Karachi University

From Karachi University

Yaseenabad(Education) Street

Yaseenabad(Education) Street

Aptech Computer

Institute

Residential Area Residential Area

Longitech

Engineering College

Car Park

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Z o u k n S h o k

III

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IV

PayrR S S T rR wU

h Rate: 8%

2010 2011 2012 2013

540,000Rs V 583,200Rs V W 29,856Rs V 680,244Rs V

HR / Supply Manager 420,000Rs V 453,600Rs V 489,888Rs V 529,079Rs V

360,000Rs V 388,800Rs V 419,904Rs V 453,496Rs V

300,000Rs V 324,000Rs V 349,920Rs V 377,914Rs V

180,000Rs V 194,400Rs V 209,952Rs V 226,748Rs V

Head Chef 240,000Rs V 259,200Rs V 279,936Rs V 302,331Rs V

AssisX

ant Chef 180,000Rs V 194,400Rs V 209,952Rs V 226,748Rs V

Staff SupervisY

r 120,000Rs V 129,600Rs V 139,968Rs V 151,165Rs V

Waiter A 84,000Rs V 90,720Rs V 97,978Rs V 105,816Rs V

Waiter B 84,000Rs V 90,720Rs V 97,978Rs V 105,816Rs V

Janitor 60,000Rs V 64,800Rs V 69,984Rs V 75,583Rs V

Technical Personnel 120,000Rs V 129,600Rs V 139,968Rs V 151,165Rs V

Security A 48,000Rs V 51,840Rs V 55,987Rs V 60,466Rs V

Security B 48,000Rs V 51,840Rs V 55,987Rs V 60,466Rs V

2,784,000R

. 3,006,720R

. 3,247,258R

. 3,507,038R

.a

Oa

A b PAYRO b b

Zouk n' Shok

Employee Payroll

IT / Comm. Manager

Per el

CFO

Assitant Finance

Floor Manager

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V

2010 2011 2012 2013

Security System by ADT 60,000Rs. 60,000Rs. 60,000Rs. 60,000Rs.

Link dot Net Internet and TV Connecti 60,000Rs. 60,000Rs. 60,000Rs. 60,000Rs.

Rent of Zouk n' Shok Site (7500 s c fee 3,600,000Rs. 3,600,000Rs. 3,600,000Rs. 3,600,000Rs.

3,720,000Rs. 3,720,000Rs. 3,720,000Rs. 3,720,000Rs.

Zouk n' Shok

Yearly Prepayments

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VI

$ d ,92 e ,000d e,f 00,000Rs.

d 2. e 0 g f e g

f 0 g

d 0 g

Initial 2010 2011 2012 2013

3,006,750)(Rs.

1,925,000)(Rs.

4,931,750)(Rs.

Operating Cash Flows Over the Project's Life:

Revenues

15,400,000Rs. 16,940,000Rs. 18,634,000Rs. 20,497,400Rs.

less: Expenses

6,930,000)(Rs. 7,623,000)(Rs. 8,385,300)(Rs. 9,223,830)(Rs.

6,504,000)(Rs. 6,726,720)(Rs. 6,967,258)(Rs. 7,227,038)(Rs.

13,434,000)(Rs. 14,349,720)(Rs. 15,352,558)(Rs. 16,450,868)(Rs.

Gross Profit 1,966,000Rs. 2,590,280Rs. 3,281,442Rs. 4,046,532Rs.

374,792)(Rs. 367,192)(Rs. 361,112)(Rs. 356,248)(Rs.

EBIT 1,591,208Rs. 2,223,088Rs. 2,920,331Rs. 3,690,284Rs.

179,238)(Rs. 140,240)(Rs. 92,920)(Rs. 35,502)(Rs.

636,483)(Rs. 889,235)(Rs. 1,168,132)(Rs. 1,476,114)(Rs.

815,721)(Rs. 1,029,476)(Rs. 1,261,053)(Rs. 1,511,616)(Rs.

EAT 775,487Rs. 1,193,613Rs. 1,659,278Rs. 2,178,668Rs.

374,792Rs. 367,192Rs. 361,112Rs. 356,248Rs.Payment of Debt 182,737)(Rs. 221,735)(Rs. 269,055)(Rs. 326,473)(Rs.

192,500)(Rs. 211,750)(Rs. 232,925)(Rs. -

446)(Rs. 66,293)(Rs. 140,868)(Rs. 29,775Rs.

775,041Rs. 1,127,319Rs. 1,518,410Rs. 2,208,443Rs.

2,562,175Rs.

1,547,407Rs.

4,109,582Rs.

Cash Flow 4,931,750)(Rs. 775,041Rs. 1,127,319Rs. 1,518,410Rs. 6,318,025Rs.

50,000Rs. 825,041Rs. 1,952,361Rs. 3,470,771Rs.

825,041Rs. 1,952,361Rs. 3,470,771Rs. 9,788,796Rs.

Beginning Cash Balance

Ending Cash Balance

Depreciation

Work. Cap

Operating Cash Flows

Terminal Year Cash Flows:Return of Operating Working Capital

Net Salvage Values

TotalTerm ination ofCash Flows

Interest Expenses

Tax

Revenues inYear 1

Variable Expenses as % of Revenu

Tax Rate on Net Income

Growth Rate of Revenue

Fixed Expense

Initial Inves tment in Wo rking Cap

Working Capital as % o f Revenue

Sales

Variable Expenses

Total Operating Expenses

Fixed Assets

Zouk n' Shok

Working Capital

WORKING CAPITAL

Investment Outlays at

Time Zero:

Cash Flow Details

Depreciation

Equity Analysis

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VII

15%

Yh

i r

p q q r q

p q 10 1

2011 2

2012 3

2013 4

NPV

s RR

15%

Yh

i r

2009 0

2010 1

2011 2

2012 3

2013 4

NPV

s RR

1,767,t

37)(Ru

v

w

v 6 x %

4,y y

,307Rs 0.5718 2,794,333Rs.

473,974Rs. 0.6575 311,646Rs.

88,129)(Rs. 0.8696 76,634)(Rs.

177,832Rs. 0.7561 134,467Rs.

4,931,750)(Rs.

PV F

4,931,750)(Rs.

673,949Rs.

B

W

t

Dis

Fi

r

Ci s Fl

s PVDF

Dis

Fi

r

Ci s Fl

s PVDF

1,127,319Rs. 0.7561

4,931,750)(Rs. 1.0000

775,041Rs. 0.8696

852,415Rs.

1,w

x 5,345Ru

v

w

3 v 16%

1,518,410Rs. 0.6575 998,379Rs.

6,318,025Rs. 0.5718 3,612,351Rs.

PV F

4,931,750)(Rs. 1.0000

15%

Y

r

2009 0

2010 1

2011 2

2012 3

2013 4

NPV

RR

S

i

lj

k

ik

Pl m

bn

bilito

NPV

10% 1,469,340Rs.

0.8696 701,401Rs.

PVDF PVCF

4

0%

1,162,046Rs. 0.7561 878,674Rs.

1,556,610Rs. 0.6575 1,023,496Rs.

6,641,884Rs. 0.5718 3,797,519Rs.

1,46

,340R

4,931,750)(Rs. 1.0000 4,931,750)(Rs.

B

tz

{

Discount Factor

Cas | Flows

806,611Rs.

} ~

in

tim

i }

Pl m

bn

blito

2.86E+10

S } n l

im

Best Case

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VIII

Initial 2010 2011 2012

50,000 s. 825,041 s. 1,952,361 s. 3,470,771 s.

65,000 s. 257,500 s. 469,250 s. 702,175 s.

15,000 s. 15,000 s. 15,000 s. 15,000 s.

1,920,000 s. 1,920,000 s. 1,920,000 s. 1,920,000 s.

2,050,000 s. 3,017,541 s. 4,356,611 s. 6,107,946 s.

190,000 s. 152,000 s. 121,600 s. 97,280 s.

612,000 s. 583,900 s. 555,800 s. 527,700 s.

100,000 s. 75,000 s. 50,000 s. 25,000 s.

419,000 s. 380,600 s. 342,200 s. 303,800 s.

898,750 s. 761,458 s. 624,167 s. 486,875 s.

10,000 s. 7,500 s. 5,000 s. 2,500 s.

180,000 s. 138,750 s. 97,500 s. 56,250 s.

25,000 s. 18,750 s. 12,500 s. 6,250 s.

72,000 s. 59,000 s. 46,000 s. 33,000 s.

500,000 s. 455,000 s. 410,000 s. 365,000 s.

3,006,750 s. 2,631,958 s. 2,264,767 s. 1,903,655 s.

,0

,

0

s.

,

9,

00

s.

,

21,

s.

,011,

01

s.

125,000 s. 125,000 s. 125,000 s. 125,000 s.

1,000,000 s. 817,263 s. 595,528 s. 326,473 s.

1,125,000 s. 942,263 s. 720,528 s. 451,473 s.

3,931,750 s. 3,931,750 s. 4,707,237 s. 5,900,850 s.

- 775,487 s. 1,193,613 s. 1,659,278 s.

3,931,750 s. 4,707,237 s. 5,900,850 s. 7,560,128 s.

0

0s

9

00s

21

s

011

01s

Current Assets:

Zou

ok

Balance Sheet

ASSET

Cash

nvent ry

Prepa dE

penses(N-1)

Non Current Liabilities:

upp erCred t

TOTAL

ENTASSE

Off ce upp es

K tchenEqu pment (N-3)

Cr ckery&Cutlery

Digital Cash Register

Aut m bile(N-7)

urniture, FixtureandOther(N

Client & erverEquipment (N-

Computer oft

are(Incl. yst

Fixed Assets:

AirConditioners(N-2)

TOTAL FIXEDASSETS

TOTALEQ ITY

Play ables(N-6)

LIABILITIES

Add:Net Profit

Current Liabilities:

Long-term liability

EQ ITY

Investment

TOTALLIABILITIES

Generator(N-8)

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IX

Long-Term Debt 1,000,000Rs.

Interest Rate 19.50%

Loan Period (Yr) 4

PMT 30,165Rs.

Month Payments Interest Prinicipal Unpaid BalanceBalance Paid

0 - - - 1,000,000Rs.

1 30,165Rs. 16,250Rs. 13,915Rs. 986,085Rs.

2 30,165Rs. 16,024Rs. 14,141Rs. 971,945Rs.3 30,165Rs. 15,794Rs. 14,371Rs. 957,574Rs.

4 30,165Rs. 15,561Rs. 14,604Rs. 942,970Rs.

5 30,165Rs. 15,323Rs. 14,841Rs. 928,129Rs.

6 30,165Rs. 15,082Rs. 15,083Rs. 913,046Rs.

7 30,165Rs. 14,837Rs. 15,328Rs. 897,719Rs.

8 30,165Rs. 14,588Rs. 15,577Rs. 882,142Rs.

9 30,165Rs. 14,335Rs. 15,830Rs. 866,312Rs.

10 30,165Rs. 14,078Rs. 16,087Rs. 850,225Rs.

11 30,165Rs. 13,816Rs. 16,348Rs. 833,877Rs.

12 30,165Rs. 13,550Rs. 16,614Rs. 817,263Rs. 182,737Rs.13 30,165Rs. 13,281Rs. 16,884Rs. 800,379Rs.

14 30,165Rs. 13,006Rs. 17,158Rs. 783,220Rs.

15 30,165Rs. 12,727Rs. 17,437Rs. 765,783Rs.

16 30,165Rs. 12,444Rs. 17,721Rs. 748,062Rs.

17 30,165Rs. 12,156Rs. 18,009Rs. 730,054Rs.

18 30,165Rs. 11,863Rs. 18,301Rs. 711,752Rs.

19 30,165Rs. 11,566Rs. 18,599Rs. 693,154Rs.

20 30,165Rs. 11,264Rs. 18,901Rs. 674,253Rs.

21 30,165Rs. 10,957Rs. 19,208Rs. 655,045Rs.


24 30,165Rs. 10,005Rs. 20,160Rs. 595,528Rs. 221,735Rs.

25 30,165Rs. 9,677Rs. 20,487Rs. 575,041Rs.

26 30,165Rs. 9,344Rs. 20,820Rs. 554,220Rs.

27 30,165Rs. 9,006Rs. 21,159Rs. 533,062Rs.

28 30,165Rs. 8,662Rs. 21,502Rs. 511,559Rs.

29 30,165Rs. 8,313Rs. 21,852Rs. 489,708Rs.

30 30,165Rs. 7,958Rs. 22,207Rs. 467,501Rs.

31 30,165Rs. 7,597Rs. 22,568Rs. 444,933Rs.


34 30,165Rs. 6,479Rs. 23,686Rs. 375,006Rs.

35 30,165Rs. 6,094Rs. 24,071Rs. 350,935Rs.

36 30,165Rs. 5,703Rs. 24,462Rs. 326,473Rs. 269,055Rs.

37 30,165Rs. 5,305Rs. 24,859Rs. 301,614Rs.

38 30 165Rs 4 901Rs 25 263Rs 276 350Rs

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