Assessment of Working Capital Requirements Form Ii - Operating Statement

ASSESSMENT OF WORKING CAPITAL REQUIREMENTS
FORM II - OPERATING STATEMENT

Name:
Year
1. Gross
Sales
No.of months
Amounts in Rs.
Last 2 Years Actuals Current Yr.
Estimates
(As per audited accounts)
31.03.2007 31.03.2008 31.03.2009
12
12
12
Lacs
Next Year OPTIONAL
Projections
31.03.2010
12
i.
Domestic Sales
0.00
0.00
0.00
0.00
ii.
Export Sales
0.00
0.00
0.00
0.00
iii.
Other operating/revenue income
0.00
0.00
0.00
0.00
Total
0.00
0.00
0.00
0.00
2. Less Excise Duty
0.00
0.00
0.00
0.00
3. Net Sales (1 - 2)
0.00
0.00
0.00
0.00
N/A
N/A
N/A
4. % age rise (+) or fall (-) in net sales

as compared to previous year (annualised)
N/A
5. Cost of Sales
i.
ii.
Raw materials (including stores and

other items used in the process of
manufacture)
0.00
0.00
0.00
0.00
a.
Imported
0.00
0.00
0.00
0.00
b.
Indigenous
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Spares
a.
Imported
b.
Indigenous
0.00
0.00
0.00
0.00
iii.
Power and Fuel
0.00
0.00
0.00
0.00
iv.
Direct Labour (Factory wages & salaries)
0.00
0.00
0.00
0.00
v.
Other manufacturing expenses
0.00
0.00
0.00
0.00
vi.
Depreciation
0.00
0.00
0.00
0.00
Freight & Cartage
0.00
0.00
0.00
0.00
vii. Sub-total (i to vi)
0.00
0.00
0.00
0.00
viii. Add: Opening Stock-in-process
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Sub-total (vii + viii)
ix.
Deduct: Closing Stock-in-process
0.00
0.00
0.00
0.00
x.
Cost of Production
0.00
0.00
0.00
0.00
xi.
Add: Opening Stock of finished goods
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
xii. Deduct: Closing Stock of finished goods
0.00
0.00
0.00
0.00
xiii. Sub-total (Total Cost of Sales)
0.00
0.00
0.00
0.00
6. Selling, general and administrative expenses
0.00
0.00
0.00
0.00
7. Sub-total (5 + 6)
0.00
0.00
0.00
0.00
8. Operating Profit before Interest (3 - 7)
0.00
0.00
0.00
0.00
9. Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
d.
0.00
0.00
0.00
0.00
Sub-total (Income)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
d.
0.00
0.00
0.00
0.00
Sub-total (Expenses)
0.00
0.00
0.00
0.00
Net of other non-operating income /

expenses [net of 11(i) & 11(ii)]
0.00
0.00
0.00
0.00
12. Profit before tax/loss [10 + 11(iii)]
0.00
0.00
0.00
0.00
13. Provision for taxes
0.00
0.00
0.00
0.00
14. Net Profit / Loss (12 -13)
0.00
0.00
0.00
0.00
Equity dividend paid-amount

(Already paid + B.S. provision)
0.00
0.00
0.00
0.00
Dividend Rate (% age)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Sub-total (x + xi)
10. Operating Profit after Interest (8 - 9)

11. i.
Add: Other non-operating Income

a.
b.
c.
ii.
Deduct: Other non-operating expenses

a.
Misc Exp Written Off
b.
c.
iii.
15. a.
b.
16. Retained Profit (14 - 15)

17. Retained Profit / Net Profit (% age)
FORM III - ANALYSIS OF BALANCE SHEET

LIABILITIES
Name:
ional funds
Year
No.of months
Amounts in Rs.
Estimates
(As per audited BS)
31.03.2007 31.03.2008 31.03.2009
12
12
12
Lacs
Next Year OPTIONAL
Projections
31.03.2010
12
CURRENT LIABILITIES
1. Short-term borrowing from banks (including
bills purchased, discounted & excess
borrowing placed on repayment basis)
i.
From applicant bank
0.00
0.00
0.00
0.00
ii.
From other banks
0.00
0.00
0.00
0.00
iii.
(of which BP & BD)
0.00
0.00
Sub-total [i + ii] (A)
0.00
0.00
0.00
0.00
2. Short term borrowings from others
0.00
0.00
0.00
0.00
3. Sundry Creditors (Trade)
0.00
0.00
0.00
0.00
4. Advance payments from customers /

deposits from dealers
0.00
0.00
0.00
0.00
5. Provision for taxation
0.00
0.00
0.00
0.00
8. Deposits / instalments of term loans /

DPGs / debentures etc. (due within 1 year)
0.00
0.00
0.00
0.00
9. Other current liabilities & provisions

(due within 1 year) - specify major items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
6. Dividend payable
7. Other statutory liabilities (due within 1 year)
a.
Creditors for Expenses
b.
c.
d.
Sub total [2 to 9] (B)
10. Total current liabilities [A + B]
TERM LIABILITIES
11. Debentures (not maturing within 1 year)
12. Preference Shares (redeemable after 1 year)
13. Term loans (excluding instalments
payable within 1 year)
0.00
0.00
0.00
0.00
14. Deferred Payment Credits (excluding

instalments due within 1 year)
0.00
0.00
0.00
0.00
16. Other term liabilities
0.00
0.00
0.00
0.00
17. Total Term Liabilities [11 to 16]
0.00
0.00
0.00
0.00
18. Total Outside Liabilities [10 + 17]
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Deferred Tax Liability
0.00
0.00
0.00
0.00
b.
P&L Account
0.00
0.00
0.00
0.00
c.
Unsecured loans
0.00
0.00
0.00
0.00
24. Net Worth
0.00
0.00
0.00
0.00
25. TOTAL LIABILITIES [18 + 24]
0.00
0.00
0.00
0.00
15. Term deposits (repayable after 1 year)
NET WORTH
19. Ordinary Share Capital
20. General Reserve
21. Revaluation Reserve
22. Other Reserves (excluding Provisions)
23. Surplus (+) or deficit (-) in Profit & Loss a/c
23. a.
FORM III - ANALYSIS OF BALANCE SHEET (Continued)

ASSETS
Name:
ional funds
Year
No.of months
CURRENT ASSETS
26. Cash and Bank Balances
27. Investments (other than long term)
i.
Govt. and other trustee securities
ii. Fixed Deposits with banks
28. i.
Receivables other than deferred &
exports (incldg. bills purchased and
discounted by banks)
ii. Export receivables (incldg. bills
purchased/discounted by banks)
29. Instalments of deferred receivables
(due within 1 year)
30. Inventory:
i.
Raw materials (including stores and
other items used in the process of
manufacture)
a. Imported
b. Indigenous
ii. Stocks-in-process
iii. Finished goods
iv. Other consumable spares
a. Imported
b. Indigenous
31. Advances to suppliers of raw materials
and stores/spares
32. Advance payment of taxes
33. Other current assets (specify major items)
a. Other Advances
b. VAT
c.
d.
34. Total Current Assets (26 to 33)
Amounts in Rs.
Estimates
(As per audited BS)
31.03.2007 31.03.2008 31.03.2009
12
12
12
Lacs
Next Year
Projections
31.03.2010
12
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
FIXED ASSETS
35. Gross Block (land, building, machinery,
work-in-progress)
36. Depreciation to date
37. Net Block (35 - 36)
OTHER NON-CURRENT ASSETS
38. Investments/book debts/advances/deposits
which are not current assets
i.
a. Investments in subsidiary
companies / affiliates
b. Others
ii. Advances to suppliers of capital goods
and contractors
iii. Deferred receivables (maturity
exceeding 1 year)
iv. Others
a. Advances to subsidiary
b.
c.
d. Receivables. over 6 months
39. Non-consumable stores and spares
40. Other non-current assets including
dues from directors
41. Total Other Non-current Assets (38 to 40)
42. Intangible Assets (patents, good will,
prelim.expenses, bad / doubtful debts not
provided for, etc.
43. Total Assets (34+37+41+42)
44. Tangible Net Worth (24 - 42)
45. Net Working Capital (34 - 10)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
CMA-FMT3C
Suggestions : Email to
Total Liabilities
Total Assets
31.03.2007 31.03.2008 31.03.2009 31.03.2010

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Difference
[email protected]
0.00
Tallies
Depreciation
Curr. Ratio
#DIV/0!
TOL/TNW
#DIV/0!
Levels permitted / assumed
RM (imported)
RM (indig.)
SIP
Finished Goods
Receivables
Sundry Cred.
0.00
Tallies
tallies
#DIV/0!
#DIV/0!
0.00
Tallies
tallies
#DIV/0!
#DIV/0!
0.00
Tallies
tallies
#DIV/0!
#DIV/0!
Instructions
1. a) In Form-II, Form-III and elsewhere, areas shaded in blue represent formulas not to be altered
b) In fin-param, opening stock of imp.raw material and indig.raw material to be entered in worksheet area in cells c53 and c58 for correct value of sundry creditors to purchases (days) in C34
c) Ensure to enter receivables over six months in Form-III, F129 for correct CRA rating
2. To check for errors, press {Control + E}
3. In Form-II / III, CRA and Fin-param sheets, areas shaded in yellow represent unprotected cells for data input
4. When printing Form-III, note that column J is not printed. Use print preview to make adjustment.
5. When entering data in Form-II and Form-III, pls ensure that space bar is not pressed in a blank
cell. While the cell will appear empty, Excel reads it as non-numeric data and generates
error message "VALUE" in any dependent cell.
ls for data input
FORM IV
COMPARATIVE STATEMENT OF CURRENT ASSETS AND CURRENT LIABILITIES
Name:
Norms
Year
A. CURRENT ASSETS
1. Raw materials (incl. stores & other items
used in the process of manufacture)
a. Imported
Last 2 Years Actuals
Amounts in Rs. Lacs

Current Yr. Next Year Peak
(As per audited accounts) Estimates Projections Reqmt.

31.03.2007 31.03.2008 31.03.2009 31.03.2010
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
3. Stock-in-process
Month's cost of production
0.00
0.00
0.00
0.00
4. Finished goods
Month's cost of sales
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
b.
Month's Consumption
Indigenous
Month's Consumption
2. Other Consumable spares, excluding
those included in 1 above
a. Imported
b.
Month's Consumption
Indigenous
Month's Consumption
5. Receivables other than export & deferred

receivables (incl. bills purchased &
discounted by bankers)
Month's domestic sales: excluding
deferred payment sales
6. Export receivables (incl. bills purchased
and discounted)
Month's export sales
7. Advances to suppliers of raw materials &
stores / spares, consumables
8. Other current assets incl. cash & bank
balances & deferred receivables due
within one year
Cash and Bank Balances
Investments (other than long term):
i.
Instalments of deferred receivables
(due within 1 year)
Advance payment of taxes
Other current assets
9. Total Current Assets

(To agree with item 34 in Form III)
0.00
0.00
0.00
0.00
FORM IV
Name: 0
Prev.Yr.
Amounts in Rs. Lacs

Last Year Current Yr. Next Year Peak
Norms Actuals
Actuals Estimates ProjectionsRequirement
31.03.2007
31.03.2008
31.03.2009 31.03.2010
Year
B. CURRENT LIABILITIES
(Other than bank borrowings for working capital)
10. Creditors for purchase of raw materials,
stores & consumable spares
0.00
0.00
0.00
0.00
Month's purchases
11. Advances from customers
0.00
0.00
0.00
0.00
12. Statutory liabilities

13. Other current liabilities:
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Short term borrowings from others

Provision for taxation
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Dividend payable
Deposits / instalments of term loans / DPGs
/ debentures etc. (due within 1 year)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other current liabilities & provisions

(due within 1 year)
14. Total (To agree with total B of Form-III)
Requirement
FORM IV
Name:
Norms
Year
Last Yr.
Amounts in Rs. Lacs

Current Yr. Next Year Peak
Actuals Estimates Projections Reqmt.

31.03.2008 31.03.2009 31.03.2010
A. CURRENT ASSETS
1. Raw materials (incl. stores & other items
used in the process of manufacture)
a. Imported
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
6. Export receivables (incl. bills purchased

and discounted)
0.00
0.00
0.00
Month's export sales

7. Advances to suppliers of raw materials &
stores / spares, consumables
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
b.
Month's Consumption
Indigenous
Month's Consumption
2. Other Consumable spares, excluding
those included in 1 above
a. Imported
b.
Month's Consumption
Indigenous
Month's Consumption
3. Stock-in-process
Month's cost of production
4. Finished goods
Month's cost of sales
5. Receivables other than export & deferred
receivables (incl. bills purchased &
discounted by bankers)
Month's domestic sales: excluding
deferred payment sales
8. Other current assets incl. cash & bank

balances & deferred receivables due
within one year
Cash and Bank Balances
Investments (other than long term):
i.
Instalments of deferred receivables
(due within 1 year)
Advance payment of taxes
Other current assets
9. Total Current Assets

(To agree with item 34 in Form III)
0.00
0.00
0.00
FORM IV
Name: 0
Amounts in Rs. Lacs
Last Year Current Yr. Next Year Peak
Norm
Year
Actuals Estimates ProjectionsRequirement

31.03.2008 31.03.2009 31.03.2010
B. CURRENT LIABILITIES
(Other than bank borrowings for working capital)
10. Creditors for purchase of raw materials,
stores & consumable spares
0.00
0.00
0.00
Month's purchases
11. Advances from customers
0.00
0.00
0.00
12. Statutory liabilities

13. Other current liabilities:
0.00
0.00
0.00
0.00
0.00
0.00
Short term borrowings from others

Provision for taxation
0.00
0.00
0.00
0.00
0.00
0.00
Dividend payable
Deposits / instalments of term loans / DPGs
0.00
0.00
0.00
/ debentures etc. (due within 1 year)

Other current liabilities & provisions
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
(due within 1 year)

14. Total (To agree with total B of Form-III)
FORM V
COMPUTATION OF MAXIMUM PERMISSIBLE BANK FINANCE FOR WORKING CAPITAL
Name:
First Method of Lending

Year
1. Total Current Assets (Form-IV-9)

2. Other Current Liabilities (other than
bank borrowings (Form-IV-14)
3. Working Capital Gap (WCG) (1-2)
4. Min. stipulated net working capital:
(25% of WCG excluding export receivables)
5. Actual / Projected net working capital
(Form-III-45)
6. Item-3 minus Item-4

8. Max. permissible bank finance
(item-6 or 7, whichever is lower)
Amounts in Rs.
Current Yr. Next Year
Estimates Projections
31.03.2007 31.03.2008 31.03.2009 31.03.2010
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
9. Excess borrowings representing

shortfall in NWC (4 - 5)
Second Method of Lending

1. Total Current Assets (Form-IV-9)
2. Other Current Liabilities (other than
bank borrowings (Form-IV-14)
3. Working Capital Gap (WCG) (1-2)
4. Min. stipulated net working capital:
(25% of total Current Assets excluding
export receivables)
5. Actual / Projected net working capital
(Form-III-45)

8. Max. permissible bank finance
(item-6 or 7, whichever is lower)
9. Excess borrowings representing

shortfall in NWC (4 - 5)
G CAPITAL
Lacs
Peak
Reqmt.
31.03.2010
FORM VI
FUNDS FLOW STATEMENT
Name:
Year
Amounts in Rs. Lacs

Last Yr.
Current Yr.
Next Year
Actuals
31.03.2008 31.03.2009 31.03.2010
1. SOURCES
a.
Net Profit
0.00
0.00
0.00
b.
Depreciation
0.00
0.00
0.00
c.
Increase in Capital
0.00
0.00
0.00
d.
Increase in Term Liabilities

(including Public Deposits)
0.00
0.00
0.00
e.
Decrease in
i.
Fixed Assets
ii.
Other non-current Assets
f.
Others
0.00
0.00
0.00
g.
TOTAL
0.00
0.00
0.00
2. USES
a.
Net loss
b.
Decrease in Term Liabilities

c.
Increase in
i.
Fixed Assets
0.00
0.00
0.00
ii.
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
3. Long Term Surplus (+) / Deficit (-) [1-2]
0.00
0.00
0.00
4. Increase/decrease in current assets

* (as per details given below)
0.00
0.00
0.00
5. Increase/decrease in current liabilities

other than bank borrowings
0.00
0.00
0.00
d.
Dividend Payments
e.
Others
f.
TOTAL
6. Increase/decrease in working capital gap
0.00
0.00
0.00
7. Net Surplus / Deficit (-) [3-6]
0.00
0.00
0.00
8. Increase/decrease in bank borrowings
0.00
0.00
0.00
FORM VI
FUNDS FLOW STATEMENT
Name:
0
Amounts in Rs. Lacs
Current Yr.
Next Year
31.03.2007 31.03.2008 31.03.2009 31.03.2010
Year
1. SOURCES
a.
Net Profit
0.00
0.00
0.00
0.00
b.
Depreciation
0.00
0.00
0.00
0.00
c.
Increase in Capital
0.00
0.00
0.00
0.00
d.
Increase in Term Liabilities

0.00
0.00
0.00
0.00
e.
Decrease in
i.
Fixed Assets
ii.
f.
Others
0.00
0.00
0.00
0.00
g.
TOTAL
0.00
0.00
0.00
0.00
2. USES
a.
Net loss
b.
Decrease in Term Liabilities

c.
Increase in
i.
Fixed Assets
0.00
0.00
0.00
0.00
ii.
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
d.
Dividend Payments
e.
Others
f.
TOTAL
3. Long Term Surplus (+) / Deficit (-) [1-2]
0.00
0.00
0.00
0.00
4. Increase/decrease in current assets

* (as per details given below)
0.00
0.00
0.00
0.00
5. Increase/decrease in current liabilities

other than bank borrowings
0.00
0.00
0.00
0.00
6. Increase/decrease in working capital gap
0.00
0.00
0.00
0.00
7. Net Surplus / Deficit (-) [3-6]
0.00
0.00
0.00
0.00
8. Increase/decrease in bank borrowings
0.00
0.00
0.00
0.00
9. Increase/decrease in NET SALES
N/A
N/A
0.00
0.00
i. Increase/decrease in Raw Materials
0.00
0.00
0.00
0.00
ii. Increase/decrease in Stocks-in-Process
0.00
0.00
0.00
0.00
iii. Increase/decrease in Finished Goods
0.00
0.00
0.00
0.00
* Break up of item-4
iv. Increase/decrease in Receivables

a)
Domestic
0.00
0.00
0.00
0.00
b)
Export
0.00
0.00
0.00
0.00
v. Increase/decrease in Stores & Spares
0.00
0.00
0.00
0.00
vi. Increase/decrease in other current assets
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
TOTAL
RATIOS
0
II
III
Current Ratio
#DIV/0!
#DIV/0!
#DIV/0!
TOL/TNW
#DIV/0!
#DIV/0!
#DIV/0!
D/E
#DIV/0!
#DIV/0!
#DIV/0!
OP/Net Sales %
#DIV/0!
#DIV/0!
#DIV/0!
PBT/Net Sales %
#DIV/0!
#DIV/0!
#DIV/0!
PBDITA/Net Sales %
#DIV/0!
#DIV/0!
#DIV/0!
OP/TTA %
#DIV/0!
#DIV/0!
#DIV/0!
PBT/TTA %
#DIV/0!
#DIV/0!
#DIV/0!
PBDITA/TTA %
#DIV/0!
#DIV/0!
#DIV/0!
10 NetProfit/NW (ROE)
#DIV/0!
#DIV/0!
#DIV/0!
11 PBDITA/Interest
#DIV/0!
#DIV/0!
#DIV/0!
12 TTA/NWC
#DIV/0!
#DIV/0!
#DIV/0!
13 Net Sales/Current Assets
#DIV/0!
#DIV/0!
#DIV/0!
14 Net Sales/FA
#DIV/0!
#DIV/0!
#DIV/0!
15 Net Sales / Total Tangible Assets
#DIV/0!
#DIV/0!
#DIV/0!
16 Net Sales/TNW
#DIV/0!
#DIV/0!
#DIV/0!
17 NWC to TCA (%)
#DIV/0!
#DIV/0!
#DIV/0!
18 Bk.Finance to TCA(%)
#DIV/0!
#DIV/0!
#DIV/0!
19 Sundry Cred.to TCA (%)
#DIV/0!
#DIV/0!
#DIV/0!
20 Other CL (exc.sund.cred) to TCA (%)
#DIV/0!
#DIV/0!
#DIV/0!
21 Fixed Assets/Long Term Sources %
#DIV/0!
#DIV/0!
#DIV/0!
22 RM & Stores,Spares/ RM & Stores,spares consumed
#DIV/0!
#DIV/0!
#DIV/0!
23 S-I-P/Cost of Production
#DIV/0!
#DIV/0!
#DIV/0!
24 Finished Goods/Cost of Sales
#DIV/0!
#DIV/0!
#DIV/0!
25 Inventories to Net Sales(days)
#DIV/0!
#DIV/0!
#DIV/0!
26 Receivables to Gross Sales (days)
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
28 RM+Stores & Spares consumed/Net Sales %
#DIV/0!
#DIV/0!
#DIV/0!
29 Power & Fuel/Net Sales %
#DIV/0!
#DIV/0!
#DIV/0!
30 Direct Labour/Net Sales %
#DIV/0!
#DIV/0!
#DIV/0!
31 OME/Net Sales %
#DIV/0!
#DIV/0!
#DIV/0!
32 Selling, General & Adm. Expenses/Net Sales %
#DIV/0!
#DIV/0!
#DIV/0!
27 Sundry Creditors to Purchases (days)
33 Interest/Net Sales %
#DIV/0!
#DIV/0!
#DIV/0!
34 PBT/Net Sales %
#DIV/0!
#DIV/0!
#DIV/0!
IV
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
0
Performance and Financial Indicators
audited
1
Net Sales
PBT
PBT/Sales %
Amounts in Rs.
Lacs
audited
projection
estimate
31.03.2007 31.03.2008 31.03.2009

0.00
0.00
0.00
31.03.2010
0.00
0.00
0.00
0.00
0.00
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
PAT
0.00
0.00
0.00
0.00
Cash Accruals
0.00
0.00
0.00
0.00
Paid up Capital
0.00
0.00
0.00
0.00
TNW
0.00
0.00
0.00
0.00
TOL/TNW
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
Current Ratio
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
10
Growth in Sales %
N/A
N/A
N/A
N/A
Efficiency Ratios
11
Net Sales / Total Tangible Assets
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
12
Return on Assets (PBT / TTA) %
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
13
Operating Costs / Sales %
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
14
15
Bank Finance / Current Assets (%)

Inventory and Receiv. / Net Sales
(days)
#DIV/0!
#REF!
#DIV/0!
#REF!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
31.03.2007 31.03.2008 31.03.2009
31.03.2010
Total Curr.Asset (TCA)
0.00
0.00
0.00
0.00
Other Current Liabilities (OCL)
0.00
0.00
0.00
0.00
Working Capital Gap
0.00
0.00
0.00
0.00
Net Working.Cap. (NWC)
0.00
0.00
0.00
0.00
Assess.Bk.Finance (ABF)
0.00
0.00
0.00
0.00
NWC to TCA (%)
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
Bk.Finance to TCA(%)
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
Sundry Cred.to TCA (%)
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
Other CL (exc.sund.cred) to TCA (%)
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
10
Inventories to Net Sales(days)
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
11
Receivables to Gross Sales (days)
#REF!
#REF!
#DIV/0!
#DIV/0!
12
Sundry Cred.to Purchases(days)
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
WORKSHEET AREA
1 Depreciation
2 Total Tangible Assets
3 Operating Costs
Power & Fuel
Direct Labour
31.03.2007 31.03.2008 31.03.2009

0.00
0.00
0
0.00
0.00
0.00
0.00
0
0.00
0.00
0.00
0.00
0
0.00
0.00
31.03.2010
0.00
0.00
0
0.00
0.00
4
5
6
7
8
9
Other Mfg. Expenses

Selling, Gen. and Admin. Exp.
Bank Finance
Inventory
Receivables (domestic + export)
Receivables over 6 months
Sundry Creditors
Gross Sales
Raw Material Purchases (Indigen.)
Opening Stock
Consumption
Closing Stock
10 Raw Material Purchases (Import.)

Opening Stock
Consumption
Closing Stock
11 Total (Imp.+Indig.) R.M Purch.
END
0.00
0.00
0.00
0.00
0.00
#REF!
0.00
0.00
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
#REF!
0.00
0.00
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
0.00
0.00
0.00
0.00
0.00
0
0.00
0.00
0.00
0
0.00
0.00
0.00
0
0.00
0.00
0.00
STATE BANK OF INDIA
Branch :
Name of Company:
0
CREDIT RISK ASSESSMENT
DATA AS ON
31.03.2008
(A) FINANCIAL RISK PARAMETERS
CURRENT RATIO
TOL/TNW
PBIDT/INTT.
PAT/NET SALES (%)
ROCE (%)
INV.+REC./SALES (DAYS)
ACTUALS MARKS WEIGHT

31.03.2008
#DIV/0! #DIV/0!
5
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#VALUE! #VALUE!
RISK
LEVEL
Score
5
2
2
2
4
AGGR.FINANCIAL RISK SCORE (OUT OF 100)
HISTORIC
AVG.
MARKS
RISK
LEVEL
INDUSTRY
RISK
AVG.
MARKS LEVEL
DYNAMIC -- INDUSTRY
AVERAGE
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0! #DIV/0! #DIV/0!
1 ABC Co.
2 BCD Co.
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0! #DIV/0! #DIV/0!
3 XYZ Co.
4
#VALUE! #VALUE!
#REF!
#REF!
#REF!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0!
#DIV/0! / 8
#DIV/0! / 8
Work sheet area

TOL/TNW
PAT / Net
Sales %
C.R
INDUSTRY AVERAGE
#DIV/0!
DYNAMIC -- HISTORIC AVERAGE
FINANCIAL PARAMETERS
i) Static (Weightage 0.5)
ii) Historical
iii) Industry
iv) Qualitative
(Rs. In lacs)
CURRENT RATIO
TOL/TNW
PAT/NET SALES (%)
Inv.+Rec/Sales (days)
Score
Maximum
#DIV/0!
50
#DIV/0!
8
#DIV/0!
8
0
Total
#DIV/0!
(C) INDUSTRY RISK PARAMETERS:

1. COMPETITION & MARKET
2. CYCLICALITY
3. REGULATORY RISK
4. TECHNOLOGY
5. USER PROFILE
6. INPUT PROFILE
66
#DIV/0!
#VALUE! 31.03.2007
Hist.Average
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#REF!
#REF!
out of
66
MA RKS
AWARD. MAXIMUM
4
4
4
4
4
4
SCORE
24
(D) MANAGEMENT RISK PARAMETERS (WEIGHTAGE 0.5)

1. INTEGRITY
4
2. EXPERTISE
4
3. TRACK RECORD
4
4. STRUCTURE & SYSTEM
4
5. CAPITAL MARKET
N.A
SCORE
0
16
TOTAL MARKS
Proposed Credit Rating
Existing Cred.Rating
Rating prop.for pricing
#DIV/0!
#DIV/0!
Work sheet area

#VALUE!
(B) QUALITATIVE RISK FACTORS :

(NEGATIVE SCORE, use minus "-" sign)
#DIV/0!
Inv.+Rec.Sales
(days)
#DIV/0!
#DIV/0!
#DIV/0!
out of
24
out of
10
#DIV/0!
out of
100
PREVIOUS YEAR'S CRA

STATE BANK OF INDIA
Branch :
Name of Company:
0
DATA AS ON
31.03.2007
0

GO TOP
RISK
HISTOR.
RISK
INDUST.
RISK
ACTUALS MARKS WEIGHT Score
LEVEL
AVG.
MARKS LEVEL AVG.
MARKS LEVEL
31.03.2007
#DIV/0! #DIV/0!
CURRENT RATIO
5
#DIV/0!
#DIV/0!
0.00 #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
TOL/TNW
PBIDT/INTT.
PAT/NET SALES (%)
ROCE (%)
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#VALUE! #VALUE!
5
2
0.00
#DIV/0!
#DIV/0!
#DIV/0! #DIV/0! #DIV/0!
2
3
2
#DIV/0!
#DIV/0!
2
#DIV/0!
#DIV/0!
4 #VALUE! #VALUE!
0.00
#DIV/0!
#DIV/0!
#DIV/0! #DIV/0! #DIV/0!
0 #VALUE! #VALUE!
#DIV/0! #DIV/0! #DIV/0!
INDUSTRY AVERAGE
#DIV/0!
#DIV/0! / 8
#DIV/0! / 8
TOL/TNW
FINANCIAL PARAMETERS
i) Static (Weightage 0.5)
ii) Historical
iii) Industry
iv) Qualitative
Total
(Rs. In lacs)
0
Score
Maximum
#DIV/0!
50
#DIV/0!
8
#DIV/0!
8
#DIV/0!

2. CYCLICALITY
3. REGULATORY RISK
4. TECHNOLOGY
5. USER PROFILE
6. INPUT PROFILE
SCORE
66
24
(D) MANAGEMENT RISK PARAMETERS (WEIGHTAGE 0.5)

1. INTEGRITY
4
2. EXPERTISE
4
3. TRACK RECORD
4
4
5. CAPITAL MARKET
N.A
SCORE
0
16
TOTAL MARKS
Credit Rating
#DIV/0! /66
MA RKS
AWARD. MAXIMUM
4
4
4
4
4
4
#DIV/0!
#DIV/0!
0 /24
0 /10
#DIV/0! /100
Inv.+Rec.Sales
(days)
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
DYNAMIC -- HISTORIC
31.03.98

(NEGATIVE SCORE)
PAT / Net
Sales %
1.
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
31.03.2007
DYNAMIC -- INDUSTRY AVERAGE

C.R
CURRENT RATIO
TOL/TNW
PAT/NET SALES (%)
Inv.+Rec/Sales (days)
31.03.99
31.03.00
Hist.Average
STATE BANK OF INDIA

0
CREDIT RISK ASSESSMENT:
DATA AS ON :
31.03.2008
CURRENT RATIO
TOL/TNW
PBIDT/INTT.
PAT/NET SALES (%)
ROCE (%)
WeigACTUALS
MARKS htage
31.03.2008
#DIV/0! #DIV/0!
5
#DIV/0! #DIV/0!
5
#DIV/0! #DIV/0!
2
#DIV/0! #DIV/0!
2
#DIV/0! #DIV/0!
2
#VALUE! #VALUE!
4

2. CYCLICALITY
3. REGULATORY RISK
4. TECHNOLOGY
5. USER PROFILE
6. INPUT PROFILE
AT PAR
AT PAR
ABOVE PAR
AT PAR
AT PAR
AT PAR
(D) MANAGEMENT RISK PARAMETERS

1. INTEGRITY
2. EXPERTISE
3. TRACK RECORD
5. CAPITAL MARKET
ABOVE PAR
AT PAR
AT PAR
AT PAR
NOT APPLIC.
CRA PREVIOUS YEAR

STATE BANK OF INDIA
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
###
#DIV/0!

(NEGATIVE SCORE, enter with "-" minus sign)
Overall Risk Level Score

Credit Rating Proposed
Credit Rating Existing
Rating for Pricing
RISK
LEVEL
Score
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#VALUE!

DATA AS ON :
30-Dec-99
CURRENT RATIO
TOL/TNW
PBIDT/INTT.
PAT/NET SALES (%)
ROCE (%)
WeigACTUALS
MARKS htage
30-Dec-99
#DIV/0! #DIV/0!
5
#DIV/0! #DIV/0!
5
#DIV/0! #DIV/0!
2
#DIV/0! #DIV/0!
2
#DIV/0! #DIV/0!
2
#VALUE! #VALUE!
4
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
###
#DIV/0!


2. CYCLICALITY
3. REGULATORY RISK
4. TECHNOLOGY
5. USER PROFILE
6. INPUT PROFILE
AT PAR
AT PAR
AT PAR
AT PAR
AT PAR
AT PAR

1. INTEGRITY
2. EXPERTISE
3. TRACK RECORD
5. CAPITAL MARKET
ABOVE PAR
AT PAR
AT PAR
AT PAR
NOT APPLIC.

RISK
LEVEL
Score
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#VALUE!
STATE BANK OF INDIA

0
DATA AS ON :
31.03.2008

WeigACTUALS
MARKS htage
31.03.2008
#DIV/0! #DIV/0!
5
#DIV/0! #DIV/0!
5
#DIV/0! #DIV/0!
2
#DIV/0! #DIV/0!
2
#DIV/0! #DIV/0!
2
#VALUE! #VALUE!
4
CURRENT RATIO
TOL/TNW
PBIDT/INTT.
PAT/NET SALES (%)
ROCE (%)

2. CYCLICALITY
3. REGULATORY RISK
4. TECHNOLOGY
5. USER PROFILE
6. INPUT PROFILE
AT PAR
AT PAR
ABOVE PAR
AT PAR
AT PAR
AT PAR

1. INTEGRITY
2. EXPERTISE
3. TRACK RECORD
5. CAPITAL MARKET
ABOVE PAR
AT PAR
AT PAR
AT PAR
NOT APPLICABLE
#DIV/0!
#DIV/0!
Previous year's CRA

0
DATA AS ON :
31.03.2007
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
###
#DIV/0!


Rating for Pricing
RISK
LEVEL
Score
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#VALUE!
CURRENT RATIO
TOL/TNW
PBIDT/INTT.
PAT/NET SALES (%)
ROCE (%)
WeigACTUALS
MARKS htage
31.03.2007
#DIV/0! #DIV/0!
5
#DIV/0! #DIV/0!
5
#DIV/0! #DIV/0!
2
#DIV/0! #DIV/0!
2
#DIV/0! #DIV/0!
2
#VALUE! #VALUE!
4
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
###
#DIV/0!


2. CYCLICALITY
3. REGULATORY RISK
4. TECHNOLOGY
5. USER PROFILE
6. INPUT PROFILE
AT PAR
AT PAR
ABOVE PAR
AT PAR
AT PAR
AT PAR

1. INTEGRITY
2. EXPERTISE
3. TRACK RECORD
5. CAPITAL MARKET
ABOVE PAR
AT PAR
AT PAR
AT PAR
NOT APPLIC.

Rating for Pricing
RISK
LEVEL
Score
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#VALUE!

Assessment of Working Capital Requirements Form Ii - Operating Statement

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Assessment of Working Capital Requirements Form Ii - Operating Statement

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ASSESSMENT OF WORKING CAPITAL REQUIREMENTS

FORM II - OPERATING STATEMENT

Other operating/revenue income

2. Less Excise Duty

4. % age rise (+) or fall (-) in net sales

Raw materials (including stores and

Power and Fuel

Direct Labour (Factory wages & salaries)

Other manufacturing expenses

Freight & Cartage

vii. Sub-total (i to vi)

viii. Add: Opening Stock-in-process

Sub-total (vii + viii)

Deduct: Closing Stock-in-process

Add: Opening Stock of finished goods

xii. Deduct: Closing Stock of finished goods

xiii. Sub-total (Total Cost of Sales)

6. Selling, general and administrative expenses

8. Operating Profit before Interest (3 - 7)

Net of other non-operating income /

12. Profit before tax/loss [10 + 11(iii)]

13. Provision for taxes

14. Net Profit / Loss (12 -13)

Equity dividend paid-amount

Dividend Rate (% age)

10. Operating Profit after Interest (8 - 9)

Add: Other non-operating Income

Deduct: Other non-operating expenses

Misc Exp Written Off

16. Retained Profit (14 - 15)

FORM III - ANALYSIS OF BALANCE SHEET

From applicant bank

From other banks

(of which BP & BD)

Sub-total [i + ii] (A)

2. Short term borrowings from others

3. Sundry Creditors (Trade)

4. Advance payments from customers /

5. Provision for taxation

8. Deposits / instalments of term loans /

9. Other current liabilities & provisions

Creditors for Expenses

14. Deferred Payment Credits (excluding

16. Other term liabilities

17. Total Term Liabilities [11 to 16]

18. Total Outside Liabilities [10 + 17]

Deferred Tax Liability

24. Net Worth

25. TOTAL LIABILITIES [18 + 24]

15. Term deposits (repayable after 1 year)

FORM III - ANALYSIS OF BALANCE SHEET (Continued)

31.03.2007 31.03.2008 31.03.2009 31.03.2010

ls for data input

Last 2 Years Actuals

Amounts in Rs. Lacs

(As per audited accounts) Estimates Projections Reqmt.

5. Receivables other than export & deferred

9. Total Current Assets

Amounts in Rs. Lacs