CMA Data

BANK OF BARODA
Head Office : Mandvi, Baroda

Proposal for credit facilities
(NEW PROPOSAL /REVIEW/REVIEW WITH INCREASE /DECREASE /ADDITIONAL F
Submitted to :
The Asstt. Gen. Manager

Agra
Reference No. :
Date
Borrower,s No.
xxx
Borrower's Name: A.A..International..
Address :--Office
Branch
Region
Zone
Lakri Fazalpur
Moradabad
:
:
:
Health Code
Credit Authorisation
Factory Lakri Fazalpur

Moradabad
Prior Approval
Reporting
NA
Group affilaitaion
Located in Back ward area

(State whether MRTP/
---Manufacturing
Other Group )
Date of incorporation
Registered as
:
:
Public/Private/Joint sector :
1990
Large and Medium
SSI Unit
SSI
Prop. Firm
Trading
Selective Credit Control
Export oriented
Dealing with our Bank since :
1990
Import Substitution
Borrower's Business
: Manufacturing & Export of

Brass, EPNS Iron Metal
Artware & Handicrafts
Is it a sick Unit?
If so, Under Nursing Programm
Credit Guarantee Cover
ECGC Cover:
Whether products are
NA
Yield in the account
under price control
Period
From
01.04.2001t
Amount Rs 40.91 la
Proposal page no.
Name of prop./partners/directors Net worth

(Rs In lacs)
31.03.2002
Guarantor's Name
1. Mr OmVeer Singh
Mr. Prem Veer Singh

Smt.Rajni Thakur
378.17
Smt Manorama Singh
Name of Chief Executive /Fin
Mr. Om Veer Singh
Net worth of the firm/co. as on 31.03.2002

(Rs In lacs)
Paid up capital
Reserves
486.63
NIL
Business experience of promo
The proprietor of the firm, Mr O

is having rich and successful e
of EPNS/ Brass/ Metal/ Glass
handicraft items for last-12-yea
Accumulated profit (+)
NIL
or loss (--)
NET WORTH
Intangible Assets
Tangible Net worth
486.63
NIL
486.63
Name of the Auditors: M/s Pradeep Hari & Co.
Proposal page no.
Production capacity : (Licensed, installed,actual/est./projected production)
No licence is required to start handicraft unit. As such no licensed/ installed capacity is f

Prduction of the firm largely depends on orders in hands to be executed during the year.
Manufacturing of brass items is labour intensive and production can be stepped up easi
additional labour , which is available locally in Moradabad.
Raw materials,power etc. availability /Marketing set up / Market for finished produ
Raw Material :- Main raw material for the unit are brass sheets , Silver silly which are ea
local mmarket and at Jagdhari. Besides this glass items required are procured from Fir
Power :- The firm has got power load of 157.50 KVA for the production and as stand-by
-3- generator sets of 360 KVA are also available.
Marketting Setup :Firm is well established among the oversease buyers and having wide
marketing through buying agencies which provide export orders to the firm through out
Major suppliers of raw materials &

customers of company's products
Overdues in TL/DPG
Instalment /Interest
Raw material is locally available on demand

from various suppliers of local market as well as
from outside market viz. Jagdhary and Firozabad.
Not applicable
Buyers :
TWO'S Co. Inc
ANTHOPOLOGIE
TUESDAY MORNING INC
CANADIAN TIRE CORP.LTD.
TORRE & TAGUS DESIGN LTD
RESTORATION HARDWARE
WILLIUM SONOMA INC
COST PLUS Inc.
SIA BENELUX NV
USA
USA
USA
CANADA
CANADA
USA
USA
USA
USA
SIA FRANCE INC

SIA ITALIA SRL
SIA INTERNATIONAL
SIA UK LTD
HABITAT UK/ FRANCE
Proposal page no.
Date of last review
22.01.2002
Sole/Multiple/Consortium
Sanctioning authority
DGM, WUP
& U Zone
Lead Bank
Due date for review
22.01.2003
Reasons for delay in review
Delayed submission
Our Share in percentage
of financial papers by firm.
Quarterly operating statement regularly received
Documents are in order
: NO
( if No, please give

adverse position an
rectified or not )
:YES.
Terms and conditions of sanction complied
YES.
Deposit relationship/Ancilliary Business
Whether refinance is obtained

term loans ? If not, reasons th
Following deposits are being maintained by the firm

with us '
'FDR for Rs 100.00 Lacs
Not Applicable
NCREASE /DECREASE /ADDITIONAL FACILITIES)
I.B.B. Moradabad
AGRA
Western U.P & U Zone
1
NA
NA
NA
Located in Back ward area
NO
YES
NA
YES
NO
Selective Credit Control
NO
YES
NO
NO
If so, Under Nursing Programme
Credit Guarantee Cover
NO
YES
:
From
13.02%
01.04.2001to 31.03.2002
Amount Rs 40.91 lacs
Proposal page no. 2
Guarantor's Name
Net worth
(Rs In lacs)
31.03.2002
Mr. Prem Veer Singh
792.80
77.32
Smt Manorama Singh
46.07
Name of Chief Executive /Finance controller
Business experience of promoters
The proprietor of the firm, Mr Om Veer Singh

is having rich and successful experience in exports
of EPNS/ Brass/ Metal/ Glass wares and
handicraft items for last-12-years.
Proposal page no. 3
tual/est./projected production)
such no licensed/ installed capacity is fixed.

n hands to be executed during the year.
and production can be stepped up easily by deploying
ting set up / Market for finished products etc.
e brass sheets , Silver silly which are easily available in

ass items required are procured from Firozabad.
KVA for the production and as stand-by arrangement
g the oversease buyers and having wide network of

de export orders to the firm through out the year.
Overdues in TL/DPG
Instalment /Interest
FRANCE
SRL
SA
UK
UK
Proposal page no. 4
Sole/Multiple/Consortium
: Sole
-- --- --
Our Share in percentage
100%
( if No, please give full details of

adverse position and state whether
rectified or not )
Whether refinance is obtained on eligible

term loans ? If not, reasons thereof :
Not Applicable
Proposal Page No. 5

Borrower's Name:A.A. International
Nature of facility
Existing
Limits
Proposed
Limits
A. FUND BASED LIMITS

Term Finance
1. Term Loan
7.40
5.30
Margin
Period
Rate of interest
:
25%
: 36 Months. Repayable in 12 quarterly instalm
each wef April 01 or -3- months after first disb
:
Security
2.00 % over TPLR
: 1. D.P. Note duly executed by firm and its pr

personal capacity.
2. Hypothecation of Machinery / Vehicle.
3.Blank TTO forms duly executed by firm.
4. Letter of Installment with acceleration cla
5. Irrevocable Power of Attorney in Bank's fa
Working Capital Finance
1. Packing Credit
Purpose
Margin
Period
Rate of interest
( Regular Limit )
280.00
280.00
: To finance preshipment credit requirements

:
20%
:
12 Months
2.50 % below PLR upto 180 days, beyond 18
days 0.50 below PLR beyond 270 days as pe
guidelines.
Security :
1 Joint & Several D.P. Notes executed by the firm and its partners in personal ca
2. Letter of continuing security without negative lien clause
3. Hypothecation of stocks of goods like all kinds of raw materials and
Semi Finished stocks, consumable stores , & Finished goods etc.
4. Export Trust Receipts
5. Letter of undertaking for adjustment of P.C. by negotiation of the export docum
stipulated period.
6. Deposit of prime Bank 's L/C and /or confirmed orders.
PROVISO:- To provide two way convertibility between Packing Credit and FBP upto Rs 100.0
Other Condition :1. It must be ensured that no individual Packing Credit is outstanding for more t
or actual production cycle whichever is earlier.
Proposal Page No. 5a

Nature of facility
2. Foreign bills Purchased / PSDL
(DP/DA Bills ) ( Usance 60/90 Days)
Margin
Period
Rate of interest
:
Commission
Purpose
Existing
Limits
150.00
Proposed
Limits
150.00
: 10 % on DA Bills
:
12 Months
2.50 % below PLR upto 90 days, beyond 90 d
0.50 % over PLR or as per Bank's/ RBI guide
force from time to time, thereafter at commer
: As per FEDAI rules/ Bank's/RBI guidelines.
: To finance postshipment credit requirement
Security :
1. FBP undertaking duly executed by the firm and its proprietor in personal Capa
2. Letter of pledge of security with suitable modification as applicable.
3. Lodgement of DA/DP Bills drawn on first class parties under
prime bank's L/C and/or confirmed orders accompanied by
usual documents including bills covering consignment of
Brass Builders Hardware, Indian Iron H/W & Aluminium Hardwares.
Sub -Limit
Bills Purchase Clean
Margin
Charges
Purpose
Security
25
25.00
0.00
: NIL
: As per bank's existing guidelines.
: For purchase of DDB cheques.
: 1. Letter of BP undertaking
2. Power of attorney to receive DDB entitlements from the appr
authority.
3. DDB cheques deposited with the Bank.
Over Draft against FDR
Limit
Margin
Interest
Period
95.3
: 5%
: 1% above deposit rate
: 12 months
Security
: 1. Duly discharged FDR in the name of Firm / Proprietor value

2. LDOC duly signed by Depositor / Borrower.
3. Letter of sole proprietorship.
Proposal Page No. 6

Modification in terms and conditions /variation in limits etc. with purpose /justificati
1. To allow Two way convertibility of Rs 100.00 lacs between P.C. and FBP limits.
2. To allow substitution of LIC policy No. 251464128 S.V. Rs 17.33 lacs as on 15.02.2002 b
of land value Rs 20.00 lacs.
CONFIRMATION OF ACTION:
1. Action of the branch in having continued the facilities beyond due date of review I.e.22.0
2. Action of the branch in having allowed following Excess ,Adhoc & TOD facilities beyond
Nature
of facility
TOD
Account
Limit/ A.V.
Max. Amount
of excess
nil
Working Capital Assesmment
Period
Proposal Page No. 9
For the year 2003-2004
1200.00 lacs
Based on sales
Method of lending :
Second
Justification for working capital Limits:
As per appraisal note
Deviations in Inventory /receivable holding with reasons
Term Loan /DPG reqirement with Justification:
Contigent Limits requrements with justfications
NIL
Proposal Page No. 10
Conduct of the account :

Dealing and conduct of the accounts are satisfactory
Proposal recommended by :
Branch Manager
AGM/DGM/GM of the Zone
YES
Regional Manager
----
Functional Authority at CO
Comments /Recommendations of sponsoring Authority:
In view of satisfactory dealing of the party and deposit relationship , we recommend for re
credit facilities as proposed on page No. 5 & 5A of the proposal for further period of 12 mo
on terms and conditions mentioned in Annexure D1 to D3 and with modification as mentio
6 'of the proposal and in appraisal note.we also request to confirm the action of the branch
continued the 'facilities beyond due date of review I.e.22.01.2003, to the date of review.
Date :
Office : International Business Branch,

MORADABAD
Signature & Designation
Decision and comments of sanctioning authority:
Date :
Office
Proposal Page No. 5
Diff /Increase
Decrease
-2.10
Months. Repayable in 12 quarterly instalment of Rs 62000

h wef April 01 or -3- months after first disbursement.
D.P. Note duly executed by firm and its proprietor in their
Hypothecation of Machinery / Vehicle.

Blank TTO forms duly executed by firm.
Letter of Installment with acceleration clause.
rrevocable Power of Attorney in Bank's favour.
NIL
finance preshipment credit requirements of the firm.
% below PLR upto 180 days, beyond 180 days to 270

s 0.50 below PLR beyond 270 days as per RBI / bank's
by the firm and its partners in personal capacity.
ike all kinds of raw materials and
of P.C. by negotiation of the export documents within the
between Packing Credit and FBP upto Rs 100.00 lacs.
l Packing Credit is outstanding for more than 180 days
Proposal Page No. 5a
Diff /Increase
Decrease
0.00
% below PLR upto 90 days, beyond 90 days to 6 months

% over PLR or as per Bank's/ RBI guidelines in
e from time to time, thereafter at commercial rate.
per FEDAI rules/ Bank's/RBI guidelines.
finance postshipment credit requirement of the firm.
he firm and its proprietor in personal Capacity.
o receive DDB entitlements from the appropriate
DR in the name of Firm / Proprietor value Rs 100.31 lacs.
Proposal Page No. 6
n in limits etc. with purpose /justification:
28 S.V. Rs 17.33 lacs as on 15.02.2002 by equitable
cilities beyond due date of review I.e.22.01.2003.
g Excess ,Adhoc & TOD facilities beyond its powers.

When adjusted
Proposal Page No. 9
Functional Authority at CO
eposit relationship , we recommend for review the

f the proposal for further period of 12 months
D1 to D3 and with modification as mentioned on page no.
equest to confirm the action of the branch in having
w I.e.22.01.2003, to the date of review.
----
Borrower's name :- A.A. International
Proposal Page No. 1
LIST OF ANNEXURES
Annexure
Contents
Whether Enclosed
Yes/No/Not appicable
Major shareholders
NO
Name of consortium member banks with

sharing pattern (with Proposed limits)
NA
Facilities with Financial Institutions/

Other banks (with Existing limits)
NIL
Detailed terms and conditions
YES
Operating Statement
YES
Analysis on Balance Sheet
YES
Cost of Project and sources of finance

(For New Projects/Expansions etc.)
NA
Funds flow statement ( additional data

three years for fresh T/L and DPGs only)
NA
Record of Business turnover
YES
Working Capital Assessment
YES
Group Concerns and their Banking

arrangement
YES
Major adverse features pointed out by

RBI/Inspectors/Auditors and steps taken
YES
Minutes of the Consortium Meeting
NA
Appraisal Note for Sick units
NA
Whether Enclosed
Yes/No/Not appicable
Borrowers Name : M/S A.A. International
Annexure
DETAIL OF SHAREHOLDERS
S.No.
Name of the share holder
NOT APPLICABLE
No. of shares
Amount
Annexure
% Holding
Borrowers Name : M/S Paramount Metal Factory
BANKING ARRANGEMENT COMPANY AS A WHOLE /DIVISION W

Name of the Bank
Bank of Baroda
Share ratio
100.00%
Proposed
Limits (Rs in La
Term loan
PC
FBP
OD against
FDR
0.00
478.00
42.00
Total
620.00
100.00
ANNEXURE B
ANY AS A WHOLE /DIVISION WISE

Proposed
Limits (Rs in Lacs)
Borrowers Name : M/S R.R. International
FACILITIES WITH FINANCIAL INSTITUTIONS & OTHER BANKS (EXISTING LIMITS)
Name of the Bank/

financial Institution
Nature of facility
NIL
Limit
ANNEX URE C
& OTHER BANKS (EXISTING LIMITS)
(Rs in lacs)
O/S
Overdues
balance
Borrower's Name: M/S PARAMOUNT METAL FACTORY

ANALYSIS OF BALANCE SHEET
SNO
PARTICULARS
YEAR ENDING
ACTUALS
31.03.2005
ACTUALS
31.03.2006
CURRENT LIABILITIES
1 Short Term Borrowings from banks
a. From Bank Of Baroda
b. From other Banks
494.55
0.00
642.49
2.21
Sub Total (A)
494.55
644.70
0.00
0.00
0.00
0.00
85.74
190.71
0.00
0.00
13.34
56.68
7 Interest and other charges accrued

but not due for payment
0.00
0.00
8 Provision for taxation
0.00
0.00
9 Dividend Payable
0.00
0.00
10 Other Statutory Liabilities

(Due in one year)
0.13
0.50
11 Instalment of term Loan/Deferred

Payment credit/deb./redeemable
0.00
0.00
5.43
6.03
2 Short Term Borrowings from others

(Mobilisation Advance adjustable within one year)
3 Deposits (Maturing in One Year)

4 Sundry Creditors (Trade)
5 Unsecured Loans
6 Advance/progress payment from
customers/deposits from dealers
preference shares (one year due)

12 Other Current Liabilities and
Provisions (due in one year)
Sub Total (B)

13 TOTAL CURRENT LIABILITIES (A+B)
104.64
253.92
599.19
898.62
Borrower's Name: M/S Paramount Metal Factory

SNO
PARTICULARS
YEAR ENDING
ACTUALS
31.03.2005
ACTUALS
31.03.2006
TERM LIABILITIES
14 Debentures (not maturing in one Year)
0.00
0.00
15 Redeemable preference share

(maturing after 1 but before 12 yrs)
0.00
0.00
2.51
7.32
0.00
0.00
0.00
0.00
0.00
0.00
2.51
7.32
16 Term loans (repayable after 1 year)

16 a. Borrowings from group companies
Directors,friends,relatives.
b. Others
17 Deferred payment credits
18 Public Deposits
19 Other Term Liabilities
(Mob. Adv. Adjustable after one year)
20 Total Term liab.(total 14 to 19)
21 TOTAL OUTSIDE LIABILITIES (13+20)
601.70
905.94
277.70
34.92
23 Preference Share Capital

maturing after 12 years)
0.00
0.00
24 General Reserve
0.00
0.00
25 Development rebate reserve/

investment allowance
0.00
0.00
26 Other Reserves (excl. Provisions)
0.00
0.00
27 Surplus(+) or Deficit(-) in P&L A/C
0.00
0.00
28 NET WORTH (Total of 22 to 27)
277.70
34.92
29 TOTAL LIABILITIES (21+28)
879.40
940.86
NET WORTH
22 Ordinary Share Capital
Borrower's Name: M/S Paramount Metal Factory

SNO
PARTICULARS
YEAR ENDING
ACTUALS
31.03.2005
ACTUALS
31.03.2006
CURRENT ASSETS
30 Cash and Bank balances
189.75
94.25
0.00
0.00
0.00
0.00
0.00
0.00
c Duty Draw Back

33 Instalments of deferred receivables
102.52
44.76
0.00
259.67
73.31
0.00
34 Inventory
a. Raw material-Imp
(incl. stores)--Ind
b. Stocks-in-process
c. Finished goods
d. Other Consumable spares
176.88
0.00
160.56
0.00
205.97
272.53
36 Advance payment of taxes
51.09
7.14
37 Other Current assets
37.61
0.61
808.58
868.07
32 Investments:(other than long term

investments:
a. Govt and other trustee securities
b. FDs in Banks/shares
32 a. Receivables other than deferred
and export receivables due in 1 year
b. Export receivables
35 Advance to suppliers of raw

material & store/spares consumable
38 TOTAL CURRENT ASSETS

(Total of items 30 to 37)
Borrower's Name:
SNO
PARTICULARS
YEAR ENDING
FIXED ASSETS
39 Gross block
40 Depreciation to Date
41 Net Block (39-40)
OTHER NON CURRENT ASSETS
42 Investment/Book debts/advance/
deposits etc.
(a) i) Investment in subsidiary
Companies/affiliates etc
(ii) Others
(b) Advances to suppliers of capital
goods,spares & contractors for
capital expenditure
(c) Deferred receivables maturing
beyond one year
(d) Others
43 Non Consumable Stores and spares
44 Other miscellaneous assets incl.
dues from directors
45 TOTAL OTHER NON CURRENT ASSETS
ACTUALS
31.03.2005
ACTUALS
31.03.2006
(42+43+44)
46 Intangible Assets
(patents,goodwill ,preliminary &
formation Exp. bad/doubtful debts
not provided for etc.)
47 Total Assets (38+41+45+46)
48 Tangible Net worth ( 28-46)
49 NET WORKING CAPITAL (38-13)
Borrower's Name:
OPERATING STATEMENT
SNO
PARTICULARS
AS PER P & L A/C FOR THE YEAR ENDING
1 Gross Sales
2 Less : Excise duty
3 Net sales
4 Cost of sales
a. Raw material (incl. stores)
----imported
----indigenous
ACTUALS
31.03.2005
ACTUALS
31.03.2006
b. Other spares
c. Power & Fuel
d. direct labour
e. repair &maintenance
f. Other mfg/direct exp./ Work Contract Tax
research & dev costs
g. Depreciation
Sub Total
Add : Opening stock in process
Sub Total
Deduct: Closing Stock in Process
Sub Total
Add:Opening Stock of finished goods
Sub Total
Less:Closing Stock of finished goods
Sub Total
Total Cost of sales
5 Gross Profit (3-4)
6 Interest on term loan
overdraft & others
7 Selling,general & administrative exp
Sub Total
8 Operating Profit(5-(6+7)
Borrower's Name:
OPERATING STATEMENT
SNO
PARTICULARS
AS PER P & L A/C FOR THE YEAR ENDING
9 Other Income/Expenses
Income
Less : Expenses
Sub Total
10 Profit Before Tax/Loss (8-9)
Provision for tax
11 NET PROFIT
ACTUALS
31.03.2005
ACTUALS
31.03.2006
Borrower's Name:
FINANCIAL POSITION
SNO
PARTICULARS
YEAR ENDING
1 Current Assets
2 Current Liabilities
3 Contribution To Working Capital(1-2)
4 Net Fixed assets
5 Term Liabilities (other than funds
borrowed from group co's ,directors.
6 Contribution to Fixed Capital(4-5)
7 Funds invested in business(3+6)
8 Funds invested outside business/in
group co's/non current assets etc
9 Funds borrowed from group Co's,
directors,friends,family members/
govt. etc
10 Intangible assets(like goodwill etc)
11 Tangible net worth(7+8-9-10)
(Rs in lacs)
ACTUALS ACTUALS
31.03.2005 31.03.2006
12 Net sales (excl Other income)

13 Cost of sales
14 Gross profit (12-13)
15 Net profit (before tax)
16 Provision for development Rebate/
investment allowance reserve
17 Depreciation for the year
18 Cash profits (15+16+17)
19 Dividends payable/paid/withdrawls
20 Provision for taxation
21 Funds retained in the business
(18-19-20)
Borrower's Name:
SNO
PARTICULARS
YEAR ENDING
Current Ratio
Debt equity ratio
Quasi debt equity ratio
Gross profit/Net sales
Net profit/Tangible Net Worth
Inventory to net Sales (in days)
Receivables to net sales (in days)
Debt service coverage ratio
(In case of term Loans/DPG only)
ACTUALS ACTUALS
31.03.2005 31.03.2006
(Rs in lacs)
Actual
31.03.2007
Projected
31.03.2008
projected
31.03.2009
642.80
1.35
650.00
0.00
650.00
0.00
644.15
650.00
650.00
0.00
0.00
0.00
0.00
0.00
0.00
227.94
150.00
150.00
2.13
6.00
6.00
43.58
54.00
43.29
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.78
0.00
0.00
0.00
0.00
0.00
7.26
0.00
0.00
281.69
210.00
199.29
925.84
860.00
849.29
Actual
31.03.2007
Projected
31.03.2008
projected
31.03.2009
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
925.84
860.00
849.29
167.58
403.58
509.57
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
167.58
403.58
509.57
1093.42
1263.58
1358.86
(Rs in lacs)
Actual
31.03.2007
Projected
31.03.2008
projected
31.03.2009
213.75
2.72
3.00
1.04
0.00
1.04
0.00
1.04
0.00
0.00
0.00
0.00
263.88
106.85
0.00
150.00
125.00
0.00
160.00
130.00
0.00
186.09
0.00
630.00
0.00
700.00
0.00
202.25
250.00
270.00
31.01
30.00
32.50
0.23
0.00
0.00
1005.10
1188.76
1296.54
Actual
31.03.2007
Projected
31.03.2008
projected
31.03.2009
Actual
31.03.2007
(Rs. In lac)
Projected projected
31.03.2008
31.03.2009
(Rs. In lac)
Actual
31.03.2007
Projected
31.03.2008
projected
31.03.2009
Actual
Projected projected
31.03.2007 31.03.2008 31.03.2009
Actual
Projected projected
31.03.2007 31.03.2008 31.03.2009
Borrower's name :
ANNEXURE: J
Projected domestic sales for the period
Projected exports sales for the period
01.04.2007 to
01.04.2007 to 31.03.2008
ACTUALS
31.03.2005
DAYS
SNO PARTICULARS
Rs. 3000.00 Lacs
ACTUALS
31.03.2006
AMT
1 CURRENT ASSETS
Imported raw material
Indigenous raw material
Stock in process
Finished goods
Consumables spares
Receivables--- Domestic
--- Export
Other Current Assets
TOTAL
2 CURRENT LIABILITIES
(other than Bank borrowings)
Creditors for purchases
Other Current Liabilities
TOTAL
3
4
5
6
7
8
9
10
11
31.03.2008 Rs NIL
Working Capital Gap(1-2)

Actual/proj. Bank Borrowing
Total Current Liabilities(3+4)
Net Working Capital (1-5)
Minimum stipulated NWC $$
Item 3 - Item 7
Item 3 - Item 6
PBF(Item 8 or 9 w.e is less)
Excess Borrowings
$$:25% OF CURRENT ASSETS-EXPORT RECEIVABLES
DAYS
AMT
Rs. 3000.00 Lacs

Actual
31.03.2007
DAYS
AMT
projections
31.03.2008
DAYS
AMT
FUND FLOW STATEMENT (FOR TERM LOAN / DPG ONLY
Annex H
PARTICULARS
Year ended
ACTUALS
31.03.2006
Projected
31.03.2008
projected
31.03.2009
SOURCES
Profit Before tax
0
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
4.81
368.66
0.00
0.00
0.00
105.99
0.00
0.00
0.00
DECREASE IN
Fixed Assets
Inter-Corp. investments & Advance
Other non current assets
4.81
368.66
105.99
150.15
149.28
5.30
0.00
0.00
0.00
16.32
0.00
81.34
0.00
109.67
39.08
0.00
0.00
0.00
Sub total:
397.09
154.05
0.00
TOTAL FUNDS AVAILABLE
401.90
522.71
105.99
Add: Depreciation
Gross funds generated
Less: Taxes Paid/Payable
Less: Dividend Paid/payable

A
Sub total: Net Fund generated

INCREASE IN
Capital
T/L / Debt / Def. Payment

Public Deposit
Other T/ labilities incl Unsecured loans
Sub total
INCREASE IN
Bank borrowings
Other Current liabilities

DECREASE IN
Inventory
Receivables
Other current assets
C

FUND FLOW STATEMENT (FOR TERM LOAN / DPG ONLY
Annex H Contd....
PARTICULARS
Year ended
ACTUALS
31.03.2006
Projected
31.03.2008
projected
31.03.2009
USES
DECREASE IN
Capital
242.78
0.00
0.00
0.00
0.00
0.00
0.00
7.32
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
242.78
7.32
0.00
0.00
0.00
0.00
43.92
0.00
10.71
INCREASE IN
Inventory
Receivables
0.00
157.15
0.00
469.44
0.00
0.00
70.00
10.00
27.78
Sub total:
157.15
513.36
118.49
Loss as per P & L account

Less: Depreciation
Gross funds lost
Add: Taxes Paid/Payable
Add: Dividend Paid/payable
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
Sub total: Net funds lost
0.00
0.00
0.00
T/L / Debt / Def. Payment

Public Deposit
Other term labilities

INCREASE IN
Fixed Assets
Inter-Corp. investments & Advance
D
Sub total
DECREASE IN
Bank borrowings
Other Current liabilities
TOTAL FUNDS USED
399.93
520.68
118.49
Long Term Sources

Less: Long Term Uses
Surplus(+)/Short fall(-)
4.81
242.78
-237.97
368.66
7.32
361.34
105.99
0.00
105.99
Short Term Sources

Less: Short Term Uses
Surplus(+) /Short fall(-)
397.09
157.15
239.94
154.05
513.36
-359.31
0.00
118.49
-118.49
SUMMARY:
WORKING
Bank Borrowings
Current Liabilities(Excuding term loan
instalment)
Inventory
Receivables
Total Current Assets
644.70
650.00
650.00
253.92
210
199.29
160.56
259.67
447.84
1766.69
630
150
408.76
2048.76
700
160
436.54
2145.83
Term loan
Pubic Deposit
0
0
0
0
0
0
0
0
7.32
0
0
7.32
0
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Dep as per PL a/c
Fixed assets for FFS

Inter corporate Dep.
0.00
0.00
0.00
34.92
403.58
509.57
Other Term Liab.

Debentures (not maturing in one Year)
Redeemable preference share
Unsecured loan
Deferred payment credits
Other Term Liabilities
Fixed assets
Less : Depreciation
Capital
0.00
34.92
-242.78
0.00 Err:509
403.58
Err:509
368.66
105.99
`
'Cost of Project and Sources of Finance (For T/L & DPG Only)
Cost of Project
Already
To be
Incurred
Incurred
Upto
Upto
S.No.
Particulaes
Land
Site Development
Building & Civil Work
Plant & Machinery

(including stores & spares)
a) Imported----CIF
b) Indegeneous
Total
Nature of source
( Cost)
Inland Transportation
Clearing & other exp. (Imp.)
Other Fixed Assets
Tech. Know - how
Preliminary & Preoperative exp.
Others --Specify
10
Contingencies & Escalation
11
Capital cost of scheme
12
Marign Money for Working Capital

Total cost of scheme
Repayment Schedule
NOT APPLICABLE
Annexure G
Rs. Lacs
Source of Finance
Already
To be
Total
Arranged Arranged
Upto
Upto
Nature of source
NOT APPLICABLE

BUSINESS TURNOVER, 01.04.2002 to 31.12.2002
ANNEXURE - I
Amount Rs. In Lacs
WORKING CAPITAL FACILITIES
OD against FDR
Last 12 Month
P.C.
Last 12 months
Packing Credit
Limit
95.3
310.00 ( inci. adhoc ltRs 30.00 l
Max. Debit Balance
310.00
Mini. Debit Balance
280.00
Average Balance
Interest earned
90.00
297.00
7.84
20.06
Credit Summations, Total
Value of Security
Drawing Power
Debit Balance ( 07.01.2002)
b) Advance against Bill (BP/ BD)
310.00
FBP
2001-02
01.04.02 to 28.02.03
FBP/PSDL
Limit
No. of Bills
Amount
150.00
150
198
210
740.99
617.19
Max. Outstanding
Present Outstanding ( 07.01.2003 )
Overdue Bills
8.95
nil
nil
nil
nil
Number
Amount
Bills Return unpaid
Number
Amount
Discount Earned
C) Letter of Credit
3.28
Inland
DA
Foreign
DP
DA
Limit
Amount
Max. Bills Presented
Number of Outstanding Bills
Amount
Present Outstanding (Limit utilized)
Commission Earned
Annexure -I
TERM LOANS AND DEFERRED PAYMENT GUARANTIES
Limit
Term Loan - I
Term Loan - II
Limit Sanctioned
Interest Earned
Present
outstanding
7.40
0.51
5.30
Remarks :
Guarantee (Other than Deferred Payment)
Number of Guarantees
Secured
Purpose :-
Total Liabilities
Unsecured
Commission
earned
Yield 10.28 %
Period :- From 01.04.02 to 31.12.200
Reason for low yield
NA
Amount Rs. In Lacs
( inci. adhoc ltRs 30.00 lacs
01.04.02 to 28.02.03
Foreign
Revoling
DP
DA
Overdue
Instalment
nil
Interest
DP
Unscheduli
ng
done or not
Purpose
Outstanding
No. of Grarantees
Secured
Financial
Performance
Others
Unsecured Amounts
Period :- From 01.04.02 to 31.12.2002
Borrower's Name: A.A. International
GROUP CONCERNS AND THEIR BANKING ARRANGEMENTS

Name of the firm /
company
Bank with which

they are dealing
Credit facilities , if any

Funded
-----Rs in lacs----------
3'A' Inc
Ourselves
Comments:
Conduct of the above accounts are satisfactory
184.21
MAJOR ADVERSE FEATURES POINTED OUT BY AUDITORS/INSPECTORS/RBI
Features pointed out
Comments on action taken
1. Credit rating A+ needs review, branch has awarded

full marks for returning of cheques whereas there
are several occasions where cheques are returned
unpaid due to financial reasons.
Revised credit rating sheet i

The credit rating of the firm d
from A+.
2 Power of attorney to receive DDB entitlements from

appropriate authority yet to be obtained.
We have asked the firm to s

notorised POA to receive DD
3. Projected sales not achieved , decline in current ratio,

DE ratio and profit of the firm.
These facts have been takin

at the time of carrying out C
processing of the review pro
4. List of machinery with value and date of purchase not

attached with LDOC 19.
List of plant & machinery is e

LDOC-19.
5. Name of proprietor not mentioned on LDOC-38.
The name of the proprietor i

on LDOC -38.
6. Physical inspection report of mortgaged properties,

their insurance cover note and photo of depositor of
on annexure A etc are not on record.
The physical inspection of th

properties is being arranged
the firm to submit insurance
the mortgaged properties an
depositors of title deeds.
Minutes of consortium meeting :
NOT APPLICABLE
Appraisal note for sick unit

(Giving reasons for sickness ,whether potentially viable , package of reliefs/concessions
nursing Programme)
NOT APPLICABLE
Annexure
:K
RANGEMENTS
edit facilities , if any

Non funded
Sanctioning Auth.
and Date of last
Sanction/review
-Rs in lacs----------
reviewed on 30.09.2002
by Chief Manager
for 6 months
Annexure
NSPECTORS/RBI
mments on action taken
vised credit rating sheet is enclosed.

e credit rating of the firm declined to 'A'
e have asked the firm to submit duly

orised POA to receive DDB.
ese facts have been taking into concideration

he time of carrying out Credit rating and
ocessing of the review proposal.
t of plant & machinery is enclosed with
e name of the proprietor is mentioned
e physical inspection of the mortgaged

operties is being arranged. We have asked
firm to submit insurance cover notes of
mortgaged properties and photos of
positors of title deeds.
:L
Annexure
:M
e of reliefs/concessions
Annexure
:N
YEAR ENDING
ACTUALS
31.03.2005
ACTUALS
31.03.2006
Projected
31.03.2008
(A) LIQUIDITY RATIO

1-
Current Ratio
Current Assets/Current Liabilities
1.35
0.97
1.38
0.00
0.00
0.00
(B) SOLVENCY RATIOS

2-
Solvency Ratio
Net Tangible Assets/Total Outside Liab.
(C) EFFICIENCY RATIOS

(i)
Financial Management Ratios
3-
Debt Equity Ratio

Total outside Debt /Net worth
2.17
25.94
2.13
4-
Quasi Debt Equity ratio
2.15
21.45
2.13
5-
Fixed Assets Coverage Ratio

Net fixed Assets/Long,Medium term debts
6-
Debtors Turnover Ratio

=Outstanding Debtors x 365
--------------------------------------------Credit Sales
#DIV/0!
#DIV/0!
#DIV/0!
7-
Creditors Turnover Ratio (No. of d

=Outstanding Creditors x 365
--------------------------------------------Credit Purchases
#DIV/0!
#DIV/0!
#DIV/0!
(ii)
Material Management Ratio
8-
Raw Material Turnover Ratio

(Number of Days)
#DIV/0!
#DIV/0!
#DIV/0!
=Raw material on hand x 365

------------------------------------------------------------Raw material consumed during the year
9-
Process Stock Turnover Ratio

#DIV/0!
(Number of Days)
=Process of Stock on hand x 365
------------------------------------------------------------Cost of goods sold during the year
#DIV/0!
#DIV/0!
10- Finished Goods Turnover Ratio

#DIV/0!
(Number of Days)
=Finished Goods on hand x 365
------------------------------------------------------------Cost of goods sold during the year
#DIV/0!
#DIV/0!
11- Assets Turnover Ratio

=Sales
-------------------------------Net Operating Assets
#DIV/0!
#DIV/0!
#DIV/0!
0.00
0.00 ACTUALS
YEAR ENDING
31.03.2005
ACTUALS
Projected
31.03.2006
31.03.2008
(iii) PROFITABILITY RATIOS

12- Gross profit ratio
Gross profit/Gross sales
#DIV/0!
#DIV/0!
#DIV/0!
13- Net profit ratio

Net Profit/net Sales
#DIV/0!
#DIV/0!
#DIV/0!
14- Operating Profit

Operating Profit/Net Sales
#DIV/0!
#DIV/0!
#DIV/0!
15- Return On Investment
#DIV/0!
#DIV/0!
#DIV/0!
16- NWC to current assets
0.00%
0.00%
0.00%
17- NWC to working capital gap
0.00%
0.00%
0.00%
=EBIT
-----------------------Net operating Assets
OTHER RATIOS
projected
31.03.2009
1.53
0.00
1.67
1.67
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
projected
31.03.2009
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
0.00%
0.00%
COUNTER CHECKS OF CACULATIONS

SNO PARTICULARS
YEAR ENDING
Total libilities
Total assets
Diff
ACTUALS
31.03.2005
ACTUALS
31.03.2006
Projected
31.03.2008
879.40
0.00
879.40
940.86
0.00
940.86
1263.58
0.00
1263.58
NWC :B/S
NWS :WCA
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Tangible net woth Bal sheet

Tangible net worth page 7
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Current assets
Balance sheet
Page 7
Anne J
808.58
0.00
0.00
868.07
0.00
0.00
1188.76
0.00
0.00
Current Liabilities
Balance sheet
Page 7
Anne J
599.19
0.00
0.00
898.62
0.00
0.00
860.00
0.00
0.00
projected
31.03.2009
1358.86
0.00
1358.86
0.00
0.00
0.00
0.00
0.00
0.00
1296.54
0.00
0.00
849.29
0.00
0.00
ASSESSMENT OF WORKING CAPITAL LIMIT - TURNOVER METHOD

A-1
LAST YEAR - 1999-2000
A-1.1
Projected Turnover ( Net of sales returns etc. )
A-1.2
Actual Turnover (Net of sales returns etc.)
A-1.3
Variance between 1.1 and 1.2 above ( In %)
A-1.4
a
Actual Margin contributed towards working capital

requirement
Amount
Percentage to 1.2 above
A-2
CURRENT YEAR -2000-2001
A-2.1
Actual turnover (net of sales returns,etc.)upto the months

previous to the date/month of the instant appraisal.
A-2.2
Acceptable turnover for full of the current year after

taking into account the 2.1. above and other
justifications,(to be specified) if any.
A-2.3
Actual Margin contributed towards working capital

requirement (i.e. excess of total Current Assets over
total Current Liabilities) as on the date/month previous
to the date/month of the instant appraisal.
a
Amount
Percentage to 2.2. above.
A-3
NEXT YEAR -- 2001-2002
A-3.1
The turnover (net of sales returns etc.)projected by the

party.
The turnover considered acceptable by the appraising
authority for the instant appraisal considering ,inter-alia
,the relevant figures under A-1 & A-2 above and other
justifications (to be specified )if any.
A-3.2
A-3.3
A-3.4
a
Margin projected by the party to be contributed in the

next year for working capital finance.
Margin stipulated by the appraising authority amount of
this margin is to be higher among the following:
either 5% of the 3.2. above
b
A-4
or the amount as per 3.3 above
A-4.1
PERMISSIBLE BANK FINANCE shall be (25% of A-3.2

minus the amount arrived under 3.4. above):
Amount of PBF
A-4.2
Percentage of PBF-amount to A-3..2 above.
(Rs In lacs)
ASSESSMENT AS PER COUNTER CHECK METHOD
Sr. Particulars
No
B-1. PERFORMANCE PARAMETERS
B-1.1Average Monthly Net Sales
B-1.1Less Average Monthly Expenses
Purchase of raw material,store,stock in
B-1.2trade etdc.
B-1.2 Spares
B-1.2 Wages & Salaries
Other manufacturing & business
B.1.2expenses.
Drawings for sustenance of the
borrower(drawings by the
B-1.2proprietor/partrners)
B-1.2Total Monthly Expenses
B-1.3Monthly surplus
(1.1 minus B-1.2.6)
Step no.
I
XXXXXXXXXXXXXXXX
II
III
B-2 Operating Cycle

B-2.1Number of days for which stock of raw
material stores spares stock in trade
etc are required.
Average Number of Days
B-2.2Average Production time required for

conversion of raw material into finished
goods '(in case of
manufacturing/procesing units')
B-2.3Average stocking period for finished
goods/stock in trade
B-2.4Average period of credit sales '(time
taken for realization of sale proceeds
from the trade debtors')
B-2.5TOTAL OPERATING CYCLE

B-3. APPROXIMATE REQUIREMENT OF
WORKING CAPITAL FINANCE.
Last Year Current

Year
IV
B-3.1Gross Working Capital Required

(Step No.'II' X '(Step No.IV')
30 days
B-3.2Less: Average amount of sundry
creditors # equivalent to one operating
cycle/advances from customers for
supplied
B-3.3Gross Working Capital/Requirement
B-3.4Less: Amount that is/can be
contributed by the borrower towards
Margin for working capital finance from
the banking system '(this amount is to
be same as arrived at under the point
No."A-3.4."above')
B-3.5Approximate requirement of Working
Capital finance from the Banking
Systen i.e."B-3.3" minus "B-3.4"
above.
FORMAT B
Next Year
XXXXXXXX
Average Number of Days

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BANK OF BARODA

Head Office : Mandvi, Baroda

(NEW PROPOSAL /REVIEW/REVIEW WITH INCREASE /DECREASE /ADDITIONAL F

The Asstt. Gen. Manager

Factory Lakri Fazalpur

Located in Back ward area

Large and Medium

Dealing with our Bank since :

: Manufacturing & Export of

Whether products are

Yield in the account

under price control

Borrower's Name: A.A..International..

Proposal page no.

Name of prop./partners/directors Net worth

Mr. Prem Veer Singh

Smt Manorama Singh

Name of Chief Executive /Fin

Mr. Om Veer Singh

Net worth of the firm/co. as on 31.03.2002

Business experience of promo

The proprietor of the firm, Mr O

Accumulated profit (+)

Tangible Net worth

Name of the Auditors: M/s Pradeep Hari & Co.

Borrower's Name: A.A..International..

Proposal page no.

Production capacity : (Licensed, installed,actual/est./projected production)

No licence is required to start handicraft unit. As such no licensed/ installed capacity is f

-3- generator sets of 360 KVA are also available.

Major suppliers of raw materials &

Raw material is locally available on demand

Borrower's Name: A.A..International..

SIA FRANCE INC

Proposal page no.

Date of last review

Due date for review

Reasons for delay in review

Our Share in percentage

of financial papers by firm.

Quarterly operating statement regularly received

Documents are in order

( if No, please give

Terms and conditions of sanction complied

Deposit relationship/Ancilliary Business

Whether refinance is obtained

Following deposits are being maintained by the firm

NCREASE /DECREASE /ADDITIONAL FACILITIES)

Selective Credit Control

Amount Rs 40.91 lacs

Proposal page no. 2

Mr. Prem Veer Singh

Smt Manorama Singh

Name of Chief Executive /Finance controller

Business experience of promoters

The proprietor of the firm, Mr Om Veer Singh

Proposal page no. 3

such no licensed/ installed capacity is fixed.