Proforma Project Report For Getting Bank Loan

#REF! COST OF PROJECT SR NO 1

AMOUNT RS LACS

PARTICULARS LAND

0.00

2

BUILDING

0.00

3

PLANT & MACHINERY

16.81

4

MARGIN MONEY FOR WORKING CAPITAL

19.25

5

Prelim. TOTAL

36.06

MEANS OF FINANCE SR NO 1 2 3

PARTICULARS SHARE CAPITAL TERM LOAN FROM BANK LTL'S Unsecured loan TOTAL Debt /Equty Ratio

AMOUNT Rs. LACS 8.00 12.61 10.00 30.61 1.58

### DETAILS OF LAND & BUILDING & OTHER CIVIL WORK SR NO

PARTICULARS

1

Land

2

Building on rent a) Plant and machinery area b) Rawmateral Storage area C) Office space

AREA RATE AMOUNT

Sq. Mt

0 TOTAL

0

0 0

10000

12

120000

TOTAL

120000

### DETAILS OF PLANT AND MACHINERY WITH COST & SOURCES OF SUPPLY SR NO 1 2 3 4 5 6 7 8 9 10

NAME OF THE MACHINERY Mixer Foam Genratore Automatic water and chemical doasing system Compressore Digital control panel Conveyour belt Hoper Trolley Moulds Platform

GROSS TOTAL TOTAL

NOS 1 1 1 1 1 1 1 1 1

RATE

AMOUNT 500,000.00 197,000.00 155,000.00 47,000.00 47,000.00 150,000.00 100,000.00 35,000.00 350,000.00 100,000.00

1,681,000.00 1,681,000.00

#### 3. AVAILABILITY OF TERM LOAN FROM BANK AS PER NORMS S. N.

FIXED ASSETS

1

Machinery

MARGIN (%)

TOTAL ASSISTANCE REQUIRED FROM BANK

25%

VALUE (Rs.) 1681000.00

MARGIN (Rs.) 420250.00

LOAN (Rs.) 1261000.00

1261000.00 1261000.00

#REF! CALCULATION OF INSTALLED 100% CAPACITY PRODUCTION CALCULATION Production Capacity Of the Machine

All machines operation's produced 30 cum/per day

Production Per Month =

Production Per Year =

30 Cum

*25 days 750 Cum

9000 Cum

Total MT Production At 100% capacity is

9000 Cum

#### SALES REVENUE SR.NO. 1

DESCRIPTION All plant and machinary in operation

Total

QTY.

UOM RATE PER MTR. 9000 MT 3200.00 -

-

-

-

9000

Sales revenue at installed capacity (Rs. in Lacs)

RAW MATERIAL REQUIREMENT,RATE & COST Sr.No. 1 2 3 4 5 6

Name of the item Cement Sand Flay Ash Foaming agent Other Chemicals Water TOTAL (A)

Sr.No.

Requirement UOM 2250000.00 1800000.00 3150000.00 13500.0 13500 2250000

Kg kg kg liter kg liter

RATE 5.5 1 1 110 110 0.2

7227000 Kg

PACKING MATERIAL COST Name of the item Requirement UOM RATE PER UNIT Packing Material and Transpoertation 1 9000 Cum 150.00

TOTAL

NO

SALES 288.00 288.00 288.00 Annexure:III

ATE & COST Value ( In Lacs) 123.75 12.60 40.95 14.85 14.85 4.50 211.50

T Value ( In Lacs) 13.50

13.50

## DETAILS OF POWER & FUEL EXPENSES P.A. Calculation of Electricity Consumption Per Year

Sr. No. 1 2 3 4 5 6

Equipment Mixer Foam Genratore Automatic water and chemical doasing system Compressore Digital control panel Conveyour belt

Total Total Expenses on power & Fuel ( Rs. In Lacs)

Per H.P = Rs.800 per month

No.of M/c 1 1 1 1 1 1

Total HP

Rate per HP

Monthly

Yearly

15

800

12000

144000

144000 1.44

#REF! DETAILS OF STAFFING PATTERN, SALARIES P.M. & P.A. & OTHER BENEFITS TO STAFF

A: Direct/Indirect Labour On Machine Operator

Supervisor (I.T.I) Skilled worker Unskilled worker Marketing assistant

Accountant Office Assistant

1 1 11 1 1 1 16 32

Salary P.M.

Total amount

6000 7500 4500 7000 8000 4500

Total

Total Annual Salary SALARY & WAGES INDIRECT/DIRECT FOR THE MONTH Total Salary Per Annum (Rs. In Lacs.) Incremental Rate p.a.

6000 7500 49500 7000 8000 4500 0 0 82500 990000 82500 9.90 5%

#REF! DEPRECIATION PARTICULAR Depreciation Rate Value of Asset include construction. 1st Year 2nd Year 3rd Year 4th Year 5th Year

Depreciation W.D.V. Depreciation W.D.V. Depreciation W.D.V. Depreciation W.D.V. Depreciation W.D.V.

Building Machinery 0% 15% 1.20 16.81 0.00 2.52 1.20 14.29 0.00 2.14 1.20 12.15 0.00 1.82 1.20 10.32 0.00 1.55 1.20 8.77 0.00 1.32 1.20 7.46

Land

TOTAL DEP 0% 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2.52 2.14 1.82 1.55 1.32

#### A.

CALCULATION OF INTEREST ON TERM LOAN 1 2 3 4 5 6 7 S.n

Loan Repayment term Repayment commencement Rate of interest No. of installment Installment Moratorioum Period Opening Months Years Balance

12.61 60 Months Aug-12 13.00% 60 0 3 month Repayment

Closing Balance

Interest Monthly

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36

First

Second

Third

12.61 12.61 12.61 12.40 12.19 11.98 11.77 11.56 11.35 11.14 10.93 10.72 10.51 10.30 10.09 9.88 9.67 9.46 9.25 9.04 8.83 8.62 8.41 8.20 7.99 7.78 7.57 7.36 7.15 6.94 6.73 6.52 6.31 6.09 5.88 5.67

0.00 0.00 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21

12.61 12.61 12.40 12.19 11.98 11.77 11.56 11.35 11.14 10.93 10.72 10.51 10.30 10.09 9.88 9.67 9.46 9.25 9.04 8.83 8.62 8.41 8.20 7.99 7.78 7.57 7.36 7.15 6.94 6.73 6.52 6.31 6.09 5.88 5.67 5.46

Yearly 0.14 0.14 0.14 0.13 0.13 0.13 0.13 0.13 0.12 0.12 0.12 0.12 0.11 0.11 0.11 0.11 0.10 0.10 0.10 0.10 0.10 0.09 0.09 0.09 0.09 0.08 0.08 0.08 0.08 0.08 0.07 0.07 0.07 0.07 0.06 0.06

1.54

1.22

0.89

37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63

Fourh

Fifth

Sixth

5.46 5.25 5.04 4.83 4.62 4.41 4.20 3.99 3.78 3.57 3.36 3.15 2.94 2.73 2.52 2.31 2.10 1.89 1.68 1.47 1.26 1.05 0.84 0.63 0.42 0.21 0.00

0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.00

5.25 5.04 4.83 4.62 4.41 4.20 3.99 3.78 3.57 3.36 3.15 2.94 2.73 2.52 2.31 2.10 1.89 1.68 1.47 1.26 1.05 0.84 0.63 0.42 0.21 0.00 0.00

B. Interest on Bank Borrowings for working capital

Year 1st 2nd 3rd 4th 5th

Amount of Bank Borrowing 48.76 51.60 51.66 51.71 51.71

Rate of Interest 13.00% 13.00% 13.00% 13.00% 13.00%

Amount of Interest 6.34 6.71 6.72 6.72 6.72

C. Interest on L T L ( unsecured deposits) Amount of LTL Rs. Lac. 10.00

Rate of Interest 0%

Amount of Interest 0.00

0.06 0.06 0.05 0.05 0.05 0.05 0.05 0.04 0.04 0.04 0.04 0.03 0.03 0.03 0.03 0.03 0.02 0.02 0.02 0.02 0.01 0.01 0.01 0.01 0.00 0.00 0.00

0.56

0.23

0.01

## WORKING CAPITAL REQUIREMENTS Sr.No 1

2 3 4 5 6 7 8 9 10 11 12 13 14

Particulars Raw Material Less trade or. available Actual Amt. Reqd. Consumables Wages & salaries Indirect Direct Light, Power & Fuel Repair & Maintenance Stock of goods in process Taxes & Insurance Admn. Expenses Misc.Factory Expenses Packing Expenses Stock of finished goods Sales Expenses Outstanding Debtors Others ( Contigencies) Total

Period Days 25 15 10 25 25 25 25 25 1 25 25 25 25 25 25 50 0

Margin Money to be taken towards scheme:

STOCK CREDITORS PAYABLES DRS

Bank Margin (%) 25 0 25 100 100 100 100 100 25 100 100 100 100 25 100 25 100

1st Year Amt. Margin Reqd Money 14.98 3.75 8.99 0.00 5.99 1.50 0.07 0.07 0.00 0.00 0.83 0.83 0.10 0.10 0.06 0.06 0.64 0.16 0.10 0.10 0.41 0.41 0.06 0.06 0.96 0.96 17.57 4.39 0.41 0.41 40.80 10.20 0 0.00 68.01 19.25

Bank Borr. 11.24 8.99 4.49 0.00 0.00 0.00 0.00 0.00 0.48 0.00 0.00 0.00 0.00 13.18 0.00 30.60 0.00 48.76

2ND Year Amt. Margin Reqd Money 15.86 3.97 9.52 0.00 6.35 1.59 0.08 0.08 0.00 0.00 0.87 0.87 0.11 0.11 0.07 0.07 0.68 0.17 0.07 0.07 0.43 0.43 0.07 0.07 1.01 1.01 18.57 4.64 0.43 0.43 43.20 10.80 0 0.00 71.94 20.34

Bank Borr. 11.90 9.52 4.76 0.00 0.00 0.00 0.00 0.00 0.51 0.00 0.00 0.00 0.00 13.93 0.00 32.40 0.00 51.60

3rd Year Amt. Margin Reqd Money 15.86 3.97 9.52 0.00 6.35 1.59 0.08 0.08 0.00 0.00 0.91 0.91 0.11 0.11 0.07 0.07 0.68 0.17 0.09 0.09 0.43 0.43 0.09 0.09 1.01 1.01 18.66 4.67 0.43 0.43 43.20 10.80 0 0.00 72.12 20.45

Bank Borr. 11.90 9.52 4.76 0.00 0.00 0.00 0.00 0.00 0.51 0.00 0.00 0.00 0.00 14.00 0.00 32.40 0.00 51.66

4 th Year Amt. Margin Reqd Money 15.86 3.97 9.52 0.00 6.35 1.59 0.08 0.08 0.00 0.00 0.96 0.96 0.11 0.11 0.07 0.07 0.68 0.17 0.10 0.10 0.43 0.43 0.09 0.09 1.01 1.01 18.72 4.68 0.43 0.43 43.20 10.80 0 0 72.23 20.52

Bank Borr. 11.90 9.52 4.76 0.00 0.00 0.00 0.00 0.00 0.51 0.00 0.00 0.00 0.00 14.04 0.00 32.40 0 51.71

19.25 Rs. In lacs

33.20 -8.99 3.00 40.80 68.01

8.30 0.00 3.00 10.20 21.50

24.90 -8.99 0.00 30.60 46.51

35.11 -9.52 3.14 43.20 71.94

8.78 0.00 3.14 10.80 22.72

26.34 -9.52 0.00 32.40 49.22

35.20 -9.52 3.23 43.20 72.12

8.80 0.00 3.23 10.80 22.83

26.40 -9.52 0.00 32.40 49.29

35.26 -9.52 3.28 43.20 72.23

8.82 0.00 3.28 10.80 22.90

26.45 -9.52 0.00 32.40 49.33

## STATEMENTS OF PRODUCTION SALES & ANNUAL PROFITABILITY ( Rs. In Lacs S. No A B C D E 1 2 3 4 5 6 7 8 9 10 11

12 13 14 14 15 16 17 18 19 20 21 22 23 24 25

Particulars 1st Year 2 nd Year 3rd Year 4th Year 5th Year 6th Year 7th Year Installed Capacity 9000 MT. Per Annum Util.of rated capacity 85% 90% 90% 90% 90% 90% 90% No. of Shifts /day 1 1 1 1 1 1 1 No. of working days/year 300 300 300 300 300 300 300 Manufacturing Expenses Raw Material 179.78 190.35 190.35 190.35 190.35 190.35 190.35 Consumables & stores % of Raw Material 0.50% 0.90 0.95 0.95 0.95 0.95 0.95 0.95 Wages & Salaries i) Indirect 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ii) Direct 9.90 10.40 10.91 11.46 12.03 12.64 13.27 Power & Fuel 1.22 1.30 1.30 1.30 1.30 1.30 1.30 Repairs & Maintenance 0.75 0.79 0.83 0.87 0.91 0.96 1.01 Rent, Taxes & Insurance 1.20 1.20 1.20 1.20 1.20 1.20 1.20 Packing and transport Exp 11.48 12.15 12.15 12.15 12.15 12.15 12.15 Adm.Exp% of sales 2.00% 4.90 5.18 5.18 5.18 5.18 5.18 5.18 Misc Factory exp 0.75 0.88 1.13 1.13 1.13 1.13 1.13 Depreciation 2.52 2.14 1.82 1.55 1.32 1.12 0.95 Interest a) on term loan 1.54 1.22 0.89 0.56 0.23 0.00 0.00 b) on LTL 0.00 0.00 0.00 0.00 0.00 0.00 0.00 c) on bank Borr. For w capital 6.34 6.71 6.72 6.72 6.72 6.72 6.72 Mgt.Remn 3.00 3.00 3.00 3.00 3.00 3.00 3.00 Selling exp.% of sales 2.00% 4.90 5.18 5.18 5.18 5.18 5.18 5.18 Preliminery and preoperative Exp w/o 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total ( E ) 229.16 241.44 241.61 241.60 241.66 241.87 242.39 Sales Receipt 244.80 259.20 259.20 259.20 259.20 259.20 259.20 Operating Profit 15.64 17.76 17.59 17.60 17.54 17.33 16.81 Inst. Allowance Reserve 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Profit Before Tax (after IAR) 15.64 17.76 17.59 17.60 17.54 17.33 16.81 Less: IT rebate U/S 80HH (for identified backward areas.) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Inccome after 80HH 15.64 17.76 17.59 17.60 17.54 17.33 16.81 Less: IT rebate U/S 80I 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Net Taxable Income 15.64 17.76 17.59 17.60 17.54 17.33 16.81 Tax to Be Lavied @ % 34% 5.26 5.98 5.92 5.92 5.91 5.83 5.66 Net Profit after Tax 10.37 11.78 11.67 11.68 11.64 11.49 11.15 Retained Profit 10.37 11.78 11.67 11.68 11.64 11.49 11.15 Net profit %

6.39

6.85

6.79

6.79

6.77

6.68

6.49

## CALCULATION OF BREAK EVEN POINT Sr. No. A

B C

D

Particulars At capacity utilization ( % ) Sales Receipts Variable Costs a) Raw Material b) Consumable Stores/Spares c) Power & Fuel d) Interest on working capital / borrowings e) Direct Wages f) Sales Expenses g) Packing Expenses h) Misc. Factory Expenses i) Administrative Exp 50% Total of Variable Costs Surplus [ A – B ] Fixed Costs: a) repair & Maintenance b) Indirect Salaries ( Mgt & Supervisory) c) Director’s Remuneration d) Intt. On Term Loan e) Intt.on LTL f) Depreciation g) Admn. Expenses 50% h) Taxes & Insurance i) Prel exp Total of Fixed Costs

(a) Break even Point at utilized capacity ( D/C X 100) -- Break even Point In sales (b)Break even Point at installed capacity TO BE CHECK IT SHOULD BE ZERO

1st Year 2 nd Year 3rd Year 4th Year 5th Year 85% 90% 90% 90% 90% 244.80 259.20 259.20 259.20 259.20 179.78 0.90 1.22 6.34 9.90 4.90 11.48 0.75 2.45 217.71 27.09

190.35 0.95 1.30 6.71 10.40 5.18 12.15 0.88 2.59 230.50 28.70

190.35 0.95 1.30 6.72 10.91 5.18 12.15 1.13 2.59 231.28 27.92

190.35 0.95 1.30 6.72 11.46 5.18 12.15 1.13 2.59 231.83 27.37

190.35 0.95 1.30 6.72 12.03 5.18 12.15 1.13 2.59 232.40 26.80

0.75 0.00 3.00 1.54 0.00 2.52 2.45 1.20 0.00 11.46

0.79 0.00 3.00 1.22 0.00 2.14 2.59 1.20 0.00 10.94

0.83 0.00 3.00 0.89 0.00 1.82 2.59 1.20 0.00 10.33

0.87 0.00 3.00 0.56 0.00 1.55 2.59 1.20 0.00 9.77

0.91 0.00 3.00 0.23 0.00 1.32 2.59 1.20 0.00 9.25

42.28 103.51 35.94

38.12 98.80 34.30

36.99 95.89 33.29

35.69 92.52 32.12

34.53 89.50 31.08

0.00

0.00

0.00

0.00

0.00

#REF! CALCULATION OF D.S.C.R. Sr.No A

B

Particular Funds Available for Servicing Debts 1) Retained Profits 2) Depreciation 3) Intt. On Term Loan Total [ A ] Debts to be Serviced 1) Instalments of Loan 2) Intt. On term Loan Total [ B ] D.S.C.R. Average D.S.C.R. ( A/B)

1st

OPERATING YEAR 2nd 3rd 4th

5th

10.37 2.52 1.54 14.43

11.78 2.14 1.22 15.14

11.67 1.82 0.89 14.38

11.68 1.55 0.56 13.78

11.64 1.32 0.23 13.19

2.10 0.00 1.54 3.64

2.52 0.00 1.22 3.74

2.52 0.00 0.89 3.41

2.52 0.00 0.56 3.08

2.52 0.00 0.23 2.75

3.97

4.05

4.22 4.27

4.47

4.79

### PAY BACK PERIOD BASIS: PROFIT AFTER TAX PROJECT COST: 36.06 LESS SUBSIDY 0.00 TOTAL 36.06 PROFIT AFTER CASH YEAR DEPRECAITION TAX ACCRUALS 1 10.37 2.52 12.90 2 11.78 2.14 13.93 3 11.67 1.82 13.49 4 11.68 1.55 13.22 5 11.64 1.32 12.95

PAY BACK PERIOD =

5 YEARS

CUMMULATIVE 12.90 26.82 40.31 53.54 66.49

## Sr. No Particulars A a) 1 2 3 4 5 6 7 8 9 10 11 12 B 1 2 3 4 5 6 7 8 C D E

CASH FLOW STATEMENT Const. 1st Period

Sources of funds Funds from Operations Net Profit Before taxes with Int. added back but after Depr. & IAR Non cash items: investt.Allowance rebate Depreciation Capital Increase in Long term Loan Increase LTL Increase in Bank Borrow. For working capital Increase in defferred payment facilities Sales of fixed assets/investment Govt.Subsidies Prlim.Expenses written off Total (A) Disposal of Funds Increase in capital expnd. Prelm. & Pre-op Exp Other current Assets Advance to suppliers Increase in working capital requirement Decrease in long term loans Decrease in LTLS Interest Taxation Total ( B) Opening Balance of cash Net Surplus( A-B) Closing balance of cash

2nd

3rd

4th

5th

6th

7th

0.00 0.00 0.00 8.00 12.61 10.00 0.00 0.00 0.00 0.00 0.00

23.51 0.00 2.52 0.00 0.00 0.00 48.76 0.00 0.00 0.00 0.00

25.68 0.00 2.14 0.00 0.00 0.00 2.84 0.00 0.00 0.00 0.00

25.20 0.00 1.82 0.00 0.00 0.00 0.07 0.00 0.00 0.00 0.00

24.88 0.00 1.55 0.00 0.00 0.00 0.04 0.00 0.00 0.00 0.00

24.50 0.00 1.32 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

24.05 0.00 1.12 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

23.54 0.00 0.95 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

30.61

74.79

30.67

27.09

26.47

25.81

25.17

24.49

16.81 0.00 0.00 0.00 0.00 0.00 0.00 0.00 16.81 0.00 13.80 13.80

0.00 0.00 0.00 68.01 2.10 0.00 7.88 5.26 83.25 13.80 -8.46 5.34

0.00 0.00 5.00 3.93 2.52 4.00 7.92 5.98 29.36 5.34 1.31 6.66

0.00 0.00 5.00 0.18 2.52 4.00 7.60 5.92 25.23 6.66 1.86 8.52

0.00 0.00 5.00 0.11 2.52 4.00 7.28 5.92 24.84 8.52 1.63 10.15

0.00 0.00 5.00 0.00 2.52 0.94 6.95 5.91 21.32 10.15 4.49 14.64

0.00 0.00 5.00 0.00 0.42 0.00 6.72 5.83 17.97 14.64 7.19 21.83

0.00 0.00 5.00 0.00 0.00 0.00 6.72 5.66 17.38 21.83 7.11 28.94

## 13.4 CURRENT RATIO S.N A 1 2 3 4

PARTICULARS

1st Year

2 nd Year

3rd Year

4th Year

5th Year

CURRENT ASSETS STOCK ON HAND RECEIVABLES OTHER CURRENT ASSETS CASH AND BANK BALANCE

33.20 40.80 3.00 5.34

35.11 43.20 3.14 6.66

35.20 43.20 3.23 8.52

35.26 43.20 3.28 10.15

35.26 43.20 3.28 14.64

TOTAL

82.34

88.11

90.15

91.90

96.39

B 1 2

CURRENT LAIBILITIES SUNDRY CREDITORS CASH CREDIT TOTAL

8.99 48.76 57.74

9.52 51.60 61.11

9.52 51.66 61.18

9.52 51.71 61.23

9.52 51.71 61.23

C

CURRENT RATIO AVERAGE CURRENT RATIO

1.43

1.44

1.47 1.48

1.50

1.57

DEBT- Term Loan Propesed Term Loan - Existing Unsecured Loan - From Bank Unsecured Laon - From Friend and Relatives

10.51 0.00 0.00 10.00

7.99 0.00 0.00 6.00

5.46 0.00 0.00 2.00

2.94 0.00 0.00 -2.00

0.42 0.00 0.00 -2.94

TOTAL

20.51

13.99

7.46

0.94

-2.52

B

EQUITY (PROPRIETOR' CAPITAL)

18.37

30.16

41.83

53.50

65.14

C

DEBT EQUITY RATIO (A/B)

1.12

0.46

0.18

0.02

-0.04

13.5 DEBT EQUITY RATIO A

## BALANCE SHEET Sr. No Particulars A

1st

2nd

3rd

4th

5th

6th

Sources of funds SHARE HOLDERS FUND Properiotor Capital Reserve and surplus Government subsidy Total BORROWED FUNDS Term loan Form Bank Other Secured Loans Unsecured Loans Total Total (A)

B

Const. Period

8.00 0.00 0.00 8.00

8.00 10.37 0.00 18.37

8.00 22.16 0.00 30.16

8.00 33.83 0.00 41.83

8.00 45.50 0.00 53.50

8.00 57.14 0.00 65.14

8.00 68.64 0.00 76.64

12.61 0 10.00 22.61 30.61

10.51 0.00 10.00 20.51 38.88

7.99 0.00 6.00 13.99 44.14

5.46 0.00 2.00 7.46 49.29

2.94 0.00 -2.00 0.94 54.44

0.42 0.00 -2.94 -2.52 62.62

0.00 0.00 -2.94 -2.94 73.70

16.81 0 16.81 0 16.81

16.81 2.52 14.29 0.00 14.29

16.81 4.66 12.15 0.00 12.15

16.81 6.49 10.32 0.00 10.32

16.81 8.04 8.77 0.00 8.77

16.81 9.35 7.46 0.00 7.46

16.81 10.47 6.34 0.00 6.34

13.80

33.20 40.80 0.00 3.00 5.34 82.34 8.99 48.76 24.59

35.11 43.20 5.00 3.14 6.66 93.11 9.52 51.60 32.00

35.20 43.20 10.00 3.23 8.52 100.15 9.52 51.66 38.97

35.26 43.20 15.00 3.28 10.15 106.90 9.52 51.71 45.67

35.26 43.20 20.00 3.28 14.64 116.39 9.52 51.71 55.16

35.26 43.20 25.00 3.28 21.83 128.58 9.52 51.71 67.36

0.00 0.00 30.61

0.00 0.00 38.88

0.00 0.00 44.14

0.00 0.00 49.29

0.00 0.00 54.44

0.00 0.00 62.62

0.00 0.00 73.70

APPLICATION OF FUNDS FIXED ASSETS GROSS BLOCK Less: Acc Depreciation Net Block Capital work in progress TOTAL CURRENT ASSETS Inventory Sundry Debtors Loans and advances Other current Assets Cash and Bank Balance TOTAL LESS Sundry creditors and Other liabilities LESS Working Capital Loan Net Curent Assets NON CURENT ASSETS Investment Misc Expenses TOTAL TOTAL ASSETS

13.80 13.80

BALANCE SHEET 7th

8.00 79.79 0.00 87.79 0.00 0.00 -2.94 -2.94 84.85

16.81 11.42 5.39 0.00 5.39 35.26 43.20 30.00 3.28 28.94 140.69 9.52 51.71 79.46

0.00 0.00 84.85

ASSESSMENT OF WORKING CAPITAL REQUIREMENTS OPERATING STATEMENT #REF! Particulars Years Operating months

1 2 3 4 5

5a 6 7 8 9 10 11 12 13 14 15 16 17 18

19 20 21

22

23 24 25 26 27 28 29 30 30 31 32 33 34 35

Operating statement i. Domestic sale ii.Export sale Total gross sales Less : Excise duty Net sales (1-2) Growth in sales Cost of sales a. Raw material (Imported ) b. Raw material (Indigenous) c. Packing Material Job Work Power & fuel Direct labour Milgin other exp. other Manuf. Exp. Depreciation Sub Total Add: Opening stock of raw material Sub Total Deduct : Closing stock of raw material Cost of production Add: Opening stock of goods Sub Total Deduct : Closing stock of goods Sub Total (Total cost of sales) Gross profit Gross profit/ Sales Selling & Admn.expenses Administrative expenses Sub Total Operating profit before interest a.Interest on CC b.Interest on TL c.Other interests Total interest Operating profit after interest Add: Other non operating income a.Interest/Dividend/Royalties etc.. b.Other income Sub Total Deduct other non operating expenses a.Interest/Dividend/Royalties etc.. b.Other expenses c.Intangibles written off -1 Sub Total Net of other non operating Income/Expenses Profit/(Loss) before tax (PBT) Provision for taxes Profit/(Loss) after tax (PAT) Cash accruals Drawing/ Dividend Retained profit Retained cash profits RM content in sales PBDIT/Sales Operating profit/Sales PBT/Sales PAT/Sales Cash accruals/ Sales

12 #REF! #REF! #REF! #REF!

Rupees in lacs 1st` year 2nd #REF! #REF! 12 12

4th #REF! 12

5th #REF! 12

259.20 259.20 259.20 6%

259.20 259.20 259.20 0%

259.20 259.20 259.20 0%

259.20 259.20 259.20 0%

212.97 1.22 9.90 0.90 0.75 2.52 228.26 228.26 14.98 213.28 213.28 18.21 195.07 52.25 21% 4.90 9.85 209.81 34.99 6.34 1.54 7.88 27.11

192.27 1.30 10.40 0.95 0.88 2.14 207.93 14.98 222.91 15.86 207.05 18.21 225.26 19.25 206.01 55.33 21% 5.18 10.17 221.37 37.83 6.71 1.22 7.92 29.91

190.44 1.30 10.91 0.95 1.13 1.82 206.55 15.86 222.41 15.86 206.55 19.25 225.80 19.34 206.46 54.56 21% 5.18 10.21 221.85 37.35 6.72 0.89 7.60 29.74

190.41 1.30 11.46 0.95 1.13 1.55 206.79 15.86 222.65 15.86 206.79 19.34 226.13 19.40 206.73 54.02 21% 5.18 10.25 222.17 37.03 6.72 0.56 7.28 29.75

190.35 1.30 12.03 0.95 1.13 1.32 207.07 15.86 222.94 15.86 207.07 19.40 226.47 19.40 207.07 53.44 21% 5.18 10.30 222.55 36.65 6.72 0.23 6.95 29.69

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

27.11 5.26 21.85 24.37 21.85 24.37 77% 15.32% 11.08% 11.08% 8.93% 9.96%

29.91 5.98 23.93 26.08 23.93 26.08 74% 15.42% 11.54% 11.54% 9.23% 10.06%

29.74 5.92 23.82 25.64 23.82 25.64 73% 15.11% 11.47% 11.47% 9.19% 9.89%

29.75 5.92 23.83 25.37 23.83 25.37 73% 14.88% 11.48% 11.48% 9.19% 9.79%

29.69 5.91 23.79 25.10 23.79 25.10 73% 14.65% 11.46% 11.46% 9.18% 9.69%

#REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF!

#REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF!

244.80 244.80 244.80 #REF!

3rd #REF! 12

ANALYSIS OF BALANCE SHEET LIABILITIES #REF! Rupees in lacs 1st` year 2nd #REF! #REF! LIABILITIES CURRENT LIABILITIES Short term loans from applicant 1 bank including BP & BD Short term loans from other banks including BP &BD Sub Total (A) 2 3 4 5 6 7 8 9 10 11 12 13 14 14

15 16 17 18 19 20 21 22 23 24 24 25

#REF!

3rd #REF!

4th #REF!

5th #REF!

48.76

51.60

51.66

51.71

51.71

-

-

-

-

-

#REF!

48.76

51.60

51.66

51.71

51.71

Short term borrowings from others Sundry creditors (trade) #REF! Advance payment from customers Net provision for taxation (if positive) #REF! Dividend payable Other statutory liabilities (due within one year) Overdue term liabilities Installments of term loan/ DPGs/ 2.10 Deposits/ debentures due within next year Other current liabilities & #REF! provisions (due with in one year) Sub Total (B) #REF! TOTAL CURRENT LIABILITIES #REF! TERM LIABILITIES Debentures (not maturing within one year) Term loan from bank (less next year installments) 2.10 Term loan from other banks/Inst.(excluding installment due next year) Deferred payments credits (excluding installment due next year) Term deposits (excluding installment due next year) Other term liabilities TOTAL TERM LIABILITIES 2.10 TOTAL OF OUTSIDE LIABILITIES #REF! NET WORTH capital #REF! General reserve Revaluation reserve Net Surplus #REF! Drawing/ADDITION #REF! NET WORTH #REF! TOTAL LIABILITIES (18+24) #REF!

#REF! 8.99 -

#REF! 9.52 -

#REF! 9.52 -

#REF! 9.52 -

#REF! 9.52 -

2.52

2.52

2.52

2.52

0.42

-

#REF!

#REF!

#REF!

#REF!

#REF!

#REF! #REF!

#REF! #REF!

#REF! #REF!

#REF! #REF!

#REF! #REF!

7.99

5.46

2.94

0.42

0.00

10.00 17.99 #REF!

6.00 11.46 #REF!

2.00 4.94 #REF!

2.00 1.58 #REF!

2.94 2.94 #REF!

8.00 10.37 18.37 #REF!

8.00 22.16 30.16 #REF!

8.00 33.83 41.83 #REF!

8.00 45.50 53.50 #REF!

8.00 57.14 65.14 #REF!

ANALYSIS OF BALANCE SHEET ASSETS #REF! Rupees in lacs 1st` year 2nd #REF! #REF!

26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46

47

48

ASSETS CURRENT ASSETS Cash & bank balances Govt. & other trustee securities Fixed deposits with banks & Investment Domestic receivables including BP/BD Export receivables including BP/BD) Deferred receivables (due within one year) Imported raw material Indigenous rawmaterial Stock in process Finished goods Imported consumables Indigenous consumables Advances to suppliers Net advance payment of taxes (if positive) Other current assets (Deffered tax assets) TOTAL CURRENT ASSETS FIXED ASSETS Gross block (land & building, machinery) Add: Capital expenditure in wirk-in-process Depreciation to date Net Block OTHER NON CURRENT ASSETS a. Investments in sub. cos./ affiliates b. Investment in others c. Advance to suppliers of capital goods & d. Deferred receivables (maturing after a year) e. Other non-current investments f. Non consumable stores & spares g. Long oustanding dues & other non current TOTAL OTHER NON CURRENT ASSETS Intangible Assets a. Preliminary expenses b. Deffered revenue expenditures c. Other intangibles (patents, goodwill, etc.) Total Intangible Assets TOTAL ASSETS

3rd #REF!

4th #REF!

5th #REF!

#REF! #REF! #REF! #REF! #REF! #REF! #REF!

5.34 #REF! 40.80 14.98 18.21 3.00 #REF!

6.66 #REF! 43.20 15.86 19.25 3.14 #REF!

8.52 #REF! 43.20 15.86 19.34 3.23 #REF!

10.15 #REF! 43.20 15.86 19.40 3.28 #REF!

14.64 #REF! 43.20 15.86 19.40 3.28 #REF!

#REF! #REF! #REF! #REF!

#REF! 16.81 #REF! 14.29

#REF! #REF! #REF! 12.15

#REF! #REF! #REF! 10.32

#REF! #REF! #REF! 8.77

#REF! #REF! #REF! 7.46

5.00 5.00

10.00 10.00

15.00 15.00

20.00 20.00

-

-

#REF!

#REF!

#REF!

#REF!

#REF!

#REF!

#REF! #REF!

18.37 #REF!

30.16 #REF!

41.83 #REF!

53.50 #REF!

65.14 #REF!

Movement of TNW Opening TNW Plough back of profit Increase in capital/reserves Intangibles written off Less Increase in Revaluation Reserve Closing TNW

#REF! #REF! #REF! #REF! #REF!

#REF! 21.85 #REF! 18.37

Current Ratio Debt/Equity TOL/Equity Current assets/Tangible assets ROCE(PBDIT incl.other income/TTA) Inentory+Receivables as days of net sales

#REF! #REF! #REF! #REF! #REF! #REF!

#REF! 0.98 #REF! #REF! #REF! 110

49 TANGIBLE NET WORTH (TNW) 50 NET WORKING CAPITAL (NWC)

ADDITIONAL INFORMATION a. Arrears of Depreciation b. Contingent Liabilities c. Arrears of Cumulative Dividends d. Gratuity Liability not Provided for e. Dispute Custom/Excise/ Tax Liabilities f. Other Liabilities not provided for

18.37 23.93 12.15 30.16 #REF! 0.38 #REF! #REF! #REF! 110

30.16 23.82 12.15 41.83

41.83 23.83 12.15 53.50

53.50 23.79 12.15 65.14

#REF! 0.12 #REF! #REF! #REF! 110

#REF! 0.03 #REF! #REF! #REF! 110

#REF! 0.05 #REF! #REF! #REF! 110

WORKING CAPITAL / BANK BORROWING ASSESSMENTS #REF! Rupees in lacs 1st` year 2nd #REF! #REF!

3rd #REF!

4th #REF!

5th #REF!

WORKING CAPITAL ASSESSMENT Stock of Imported RM -Days Consumption Stock of Indiginous RM - Days Consumption #REF! Imported Consumables - (Days Consumption) Indiginous Consumables - (Days Consumption) #REF!

26.00 -

30.00 -

30.00 -

30.00 -

30.00 -

-

-

-

-

-

Stock in process- (Days of Cost of Production)

#REF!

Finished Goods - (Days Cost of Sales)

#REF!

34

34

34

34

34

Total Inventory Total Inventory/Sales (days)

#REF! #REF!

33.20 49

35.11 49

35.20 50

35.26 50

35.26 50

Domestic receivables (Days Gross dom.Sales) Export Receivables - (Days Exports)

#REF! -

-

-

-

-

-

Total Receivables Total Receivables/Gross Sales (days)

#REF! #REF!

40.80 30

43.20 61

43.20 61

43.20 61

43.20 61

Creditors - (days Consumption)

#REF!

15

18

18

18

18

Total Current Assets Financed by Sundry Cr. % of Current Assets Other Curr. Liab.% of Current Assets Bank Finance % of Current Assets NWC % to Current Assets

#REF!

#REF!

#REF!

#REF!

#REF!

#REF!

#REF! #REF! #REF! #REF! 0.00%

#REF! #REF! #REF! #REF! 0.00%

#REF! #REF! #REF! #REF! 0.00%

#REF! #REF! #REF! #REF! 0.00%

#REF! #REF! #REF! #REF! 0.00%

#REF! #REF! #REF! #REF! 0.00%

#REF! #REF! #REF! #REF! #REF! #REF!

#REF! #REF! #REF! #REF! #REF! #REF!

#REF! #REF! #REF! #REF! #REF! #REF!

#REF! #REF! #REF! #REF! #REF! #REF!

#REF! #REF! #REF! #REF! #REF! #REF!

#REF! #REF! #REF! #REF! #REF! #REF!

By MPBS Method Total current assets Other current liabilities Working capital gap Net working capital 25% margin over current assets Bank finance

61

61

61

61

61

FUND FLOW ANALYSIS #REF! Rupees in lacs 1st` year 2nd #REF! #REF!

Particulars FUND FLOW ANALYSIS 1 LONG TERM SOURCES Profit after tax Depreciation Intangibles written off Increase in capital and reserves Increase in term liability Decrease in fixed assets Decrease in other non current assets 2 LONG TERM USES Net loss Increase in intangibles Decrease in capi.and reserves/ Share buyback Term loan repayments Decrease in Long Term Unsec. Loans Increase in fixed assets Increase in non-current assets Increase in intangibles Dividend paid/Drawing Surplus/ Deficit 1 SHORT TERM SOURCES Increase in bank borrowings Increase in other current liability Decrease in inventory Decrease in receivables Decrease in Cash/Deposits/Govt Sec. Decrease in other current assets 2 SHORT TERM USES Increase in inventory Increase in receivables Increase in cash/Deposits/Govt Sec. Increase in other current assets Decrease in other current liability Decrease in bank borrowings Summary of fund flow analysis Long term sources Long term uses Surplus /Deficit (i-ii) Short term sources Short term uses Surplus /Deficit (iii-iv) Difference

3rd #REF!

4th #REF!

5th #REF!

#REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF!

21.85 #REF! #REF! 22.61 #REF! #REF!

23.93 #REF! #REF! #REF!

23.82 #REF! #REF! #REF!

23.83 #REF! #REF! #REF!

23.79 #REF! #REF! #REF!

#REF! #REF! #REF! #REF! -

#REF! #REF! 2.10 #REF! -

12.15 2.52 4.00 #REF! 5.00

12.15 2.52 4.00 #REF! 5.00

12.15 2.52 4.00 #REF! 5.00

12.15 2.52 0.94 #REF! 5.00

#REF! #REF!

#REF! #REF!

#REF! #REF!

#REF! #REF!

#REF! #REF!

#REF! #REF!

#REF! #REF! #REF! #REF! #REF! #REF! #REF!

#REF! #REF! #REF! #REF! #REF! #REF! #REF!

2.84 #REF! #REF! #REF!

0.07 #REF! #REF! #REF!

0.04 #REF! #REF! #REF!

#REF! #REF! #REF!

#REF! #REF! #REF! #REF! #REF! #REF! #REF!

#REF! #REF! #REF! #REF! #REF! #REF! #REF!

1.92 2.40 #REF! 0.14 #REF! #REF!

0.09 #REF! 0.09 #REF! #REF!

0.06 #REF! 0.06 #REF! #REF!

#REF! #REF! #REF!

#REF! #REF! #REF! #REF! #REF! #REF! #REF!

#REF! #REF! #REF! #REF! #REF! #REF! #REF!

#REF! #REF! #REF! #REF! #REF! #REF! #REF!

#REF! #REF! #REF! #REF! #REF! #REF! #REF!

#REF! #REF! #REF! #REF! #REF! #REF! #REF!

#REF! #REF! #REF! #REF! #REF! #REF! #REF!

CALCULATION OF BREAK EVEN LEVELS #REF! Particulars

Veriable %

BREAK EVEN POINT Sales Variable cost i. Raw material 100.00% ii. Consumables(Job Work) 100.00% iii.Direct labour 90.00% iv.Power & fuel 80.00% v.Selling expenses(Transportation& Milig.) 90.00% vi.Other variable costs Total variable costs Add: Opening Stock of goods Less: Closing Stock Of Goods Total variable costs of Production Percent of sales

Rupees in lacs 1st` year 2nd #REF! #REF!

3rd

4th #REF!

5th #REF!

#REF!

244.80

259.20

259.20

259.20

259.20

212.97 8.91 0.98 1.48

192.27 9.36 1.04 1.64

190.44 9.82 1.04 1.87

190.41 10.31 1.04 1.87

190.35 10.83 1.04 1.87

224.34 0.00 33.20 191.15 78%

204.30 33.20 35.11 202.39 78%

203.17 35.11 35.20 203.08 78%

203.63 35.20 35.26 203.57 79%

204.09 35.26 35.26 204.09 79%

26.54

26.90

26.38

25.88

25.42

Break even level of sales Percentage to sales

121.09 49%

122.74 47%

121.84 47%

120.58 47%

119.55 46%

Cash braeak even of sales

109.58 45%

112.96 44%

113.42 44%

113.37 44%

113.36 44%

244.68 191.05 53.62 121.09 49%

259.07 202.29 56.79 122.74 47%

259.07 202.98 56.09 121.84 47%

259.07 203.47 55.60 120.58 47%

259.07 203.98 55.09 119.55 46%

244.80 191.25 53.55 121.33 50%

259.20 202.48 56.72 122.95 47%

259.20 203.17 56.03 122.04 47%

259.20 203.67 55.53 120.79 47%

259.20 204.18 55.02 119.76 46%

244.80 190.06 54.74 118.67 48%

259.20 202.89 56.31 123.84 48%

259.20 203.71 55.49 123.22 48%

259.20 204.23 54.97 122.03 47%

259.20 204.77 54.43 121.06 47%

Fixed costs

Sensitivity Analysis If Sales go down by Sales (when down by) Veriable costs if sales go down by Contribution BEP If Sales go down by % to Sales

5% 5% 5%

If RM cost goes up by Sales Veriable cost( RM goes up by) Contribution BEP if RM cost goes up by % to Sales

5%

If Other Veriable costs up by Sales Other Veriable Cost up by Contribution BEP If Variable Expn. Go up by % Sales

5%

5%

5% 5%

5% 5%

RATIO ANALYSIS #REF! Particulars RATIOS 1 Growth in sales 2 Gross profit ratio 3 PBDIT/sales 4 Operating profits/Sales 5 PBT/Sales 6 PAT/Sales 7 Cash accruals/ Sales 8 Sales/Equity 9 Sales / TTA 10 Interest coverage (Interest/PBDIT) 11 PBDIT / Interest (Times) 12 Deferred debt/ Equity 12a Debt/ Equaty Ratio 13 TOL/Equity 14 Current ratio (CA / CL) 15 Current Ratio excluding TL Instalments 16 CA / TTA (%) 17 Inentory+Receivables as days of net sales 18 Bank borrowings/Current assets 19 RM content in sales 20 ROCE(PBDIT incl.Other income/TTA)

1st` year #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF!

#REF! 21% 15.32% 15.32% 11.08% 8.93% 9.96% 13.32 #REF! 20.99% 4.76 0.98 #REF! #REF! #REF! #REF! #REF! 110 #REF! 76.61% #REF!

2nd #REF!

3rd #REF!

4th #REF!

5th #REF!

6% 21% 15.42% 15.42% 11.54% 9.23% 10.06% 8.60 #REF! 19.82% 5.05 0.38 #REF! #REF! #REF! #REF! #REF! 110 #REF! 73.63% #REF!

0% 21% 15.11% 15.11% 11.47% 9.19% 9.89% 6.20 #REF! 19.41% 5.15 0.12 #REF! #REF! #REF! #REF! #REF! 110 #REF! 73.45% #REF!

0% 21% 14.88% 14.88% 11.48% 9.19% 9.79% 4.84 #REF! 18.88% 5.30 0.03 #REF! #REF! #REF! #REF! #REF! 110 #REF! 73.44% #REF!

0% 21% 14.65% 14.65% 11.46% 9.18% 9.69% 3.98 #REF! 18.32% 5.46 0.05 #REF! #REF! #REF! #REF! #REF! 110 #REF! 73.44% #REF!

21 Debt Service Coverage Ratio Calculations Cash accruals Interest on TL / Deffered Loans Repayment Obligations of TL Repayment of other deffered Loans Total Repayment

#REF! #REF! #REF!

24.37 1.54 2.10 3.64

26.08 1.22 2.52 3.74

25.64 0.89 2.52 3.41

25.37 0.56 2.52 3.08

25.10 0.23 2.52 2.75

Net Debt Service Coverage Ratio (DSCR) Gross Debt Service Coverage Ratio (DSCR)

#REF! #REF!

11.60 7.12

10.34 7.30

10.17 7.78

10.06 8.41

9.95 9.20

14.29 10.51 26%

12.15 7.99 34%

10.32 5.46 47%

8.77 2.94 66%

7.46 0.42 94%

26%

34%

47%

66%

94%

22 Security Coverage Ratio Net Block #REF! Term Loan outstanding (including instalments) Security Cover avilable (NB-TL/NB) 0% 23 Security cover including Collateral Security Security Cover avilable ((NB+Collaeral-TL)/NB) #REF!

KEY INDICATORS #REF! Particulars Net Sales Operating Profit (Net) Other income PBDIT/Sales PBT/Sales PAT PAT/Net Sales Cash Accruals Cash Accruals/Sales Paid up Capital TNW TOL/TNW C/R C/R excluding T/L instalments due in 1 year Net Sales/TTA (Times) PBT/TTA (%) Operating costs/sales(%) Bank Finance / Current Assets (%) Inv + Rec. /N.S. (DAYS) NWC / CA (%)

#REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF!

1st` year #REF! 244.80 27.11 15.32% 11.08% 21.85 8.93% 24.37 9.96% 8.00 18.37 #REF! #REF! #REF! #REF! #REF! 88.92% #REF! 110 #REF!

END OF THE REPORT

2nd #REF! 259.20 29.91 15.42% 11.54% 23.93 9.23% 26.08 10.06% 8.00 30.16 #REF! #REF! #REF! #REF! #REF! 88.46% #REF! 110 #REF!

3rd #REF! 259.20 29.74 15.11% 11.47% 23.82 9.19% 25.64 9.89% 8.00 41.83 #REF! #REF! #REF! #REF! #REF! 88.53% #REF! 110 #REF!

4th #REF! 259.20 29.75 14.88% 11.48% 23.83 9.19% 25.37 9.79% 8.00 53.50 #REF! #REF! #REF! #REF! #REF! 88.52% #REF! 110 #REF!

5th #REF! 259.20 29.69 14.65% 11.46% 23.79 9.18% 25.10 9.69% 8.00 65.14 #REF! #REF! #REF! #REF! #REF! 88.54% #REF! 110 #REF!