Bor SAMRAT BEEJ BHANDAR (Rs.

In Lac)
PROPOSAL PAGE NO 7
Particulars Audited Estimated Projected
2018 2019 2020

1 Current Assets

2 Current Liabilities

3 Contribution to Working Capital

4 Net Fixed Assets

5 Term Liabilities
(Other than funds borrowed from
Group companies/Directors etc)

6 Contribution to Fixed Capital

7 Funds invested in business

8 Funds invested outside business

(in group cos/Non current assets
Investment in shares, etc)

9 Funds borrowed from Group Cos

Directors/friends, etc

10 Intangible Assets (like goodwill

Patents, etc)

11 Tangible Net Worth

12 Net Sales (excl.other income)

13 Cost of sales

14 Gross Profit

15 Net Profit before tax

16 Net Profit after tax
17 Prov for Dev. Rebate/IRR
18 Depreciation
19 Cash Profit
20 Provision for taxation
21 Provision for dividend/ intt. & sal to partners
22 Funds retained in business
Borrower's Name: M/S DIVYA SHAKTI FUEL
RATIO ANALYSIS

Particulars

1 Current Ratio
{ Current Ratio without TL instalments due within 12 months}
2 Debt Equity Ratio (Absolute)

Debt Equity Ratio (Quasi)

3 Gross Profit/Net Sales (%)

Operating Profit/Net Sales (%)

4 Net Profit to TNW (%)

Net Profit to Net Sales (%)

5 Inventory to Net Sales (M)

6 Receivables to Gross Sales (M)

Comments on Financial parameters/performance of the Company

Borrower's Name: M/S DIVYA SHAKTI FUEL

Particulars

Gross Sales
1 a) Domestic sales
b) Other Reciepts

Total Gross Sales

2 Less: Excise duty
3 Net Sales

4 Cost of Sales
a) Raw materials (incl. Stores)
* Indegenious
* Imported

b) Other Spares
c) Power and Fuel
d) Salary & Wages
e) Repairs and maintenance
f) Other expenses
g) Depreciation
Sub-total
Add: Op. Stock in Process
Sub Total
Less: Cl. Stock in Process
Cost of Production (Sub-total)
Add: Op. Stock of Finished Goods
Sub Total
Less: Cl. Stock of Finished Goods
COST OF SALES
5 Gross Profit (3-4)
6 Interest
7 Selling, General & Admn. Expenses
Sub Total
8 Operating Profit
9 Other Income/Expenses
Add:Income
Less Expenses
Sub-total (+)/(-)
10 Profit Before tax/Loss
Less: Provision for development Rebate/
Prior period items/Prliminary Exp. w/off
Less: Provision for taxation
Defferred Taxes
11 Net Profit (retained profit)
Net Profit (after tax)
Borrower's Name: M/S DIVYA SHAKTI FUEL

LIABILITIES

CURRENT LIABILITIES:

1 Short Term borrowings from Banks

* From Bank OF BARODA

* From other bank
(of which BP/BD)
Sub-total - A

2 Short Term borrowing from Others

3 Deposits (Maturing in one year)

4 Sundry Creditors for goods

5 Creditors for Expenses

6 Advances/Progress payments from customers/

deposits from dealers.

7 Interest and other charges accured, but not

paid.
8 Provision for taxation
9 Dividend payable
10 Other statutory liabilities
(due in one year)

11 Instalments of term loans deferred payment

credits/debentures/redeemable Pref. Shares
(due in one year)
Creditors for Capital Goods
12 Other current Liabilities and provisions
(due in one year)
Sub-total - B
13 Total Current Liabilities (A+B)
Borrower's Name: M/S DIVYA SHAKTI FUEL

LIABILITIES

TERM LIABILITIES

14 Debentures (not maturing in 1 year)

15 Redeemable Preference shares

(maturing after 1 but before 12 years)

16 Term Loans (repayable after 1 year)

Borrowings from group company/

Directors/Friends and relatives

17 Deferred Sales Tax Liability

18 Creditors for Capital Goods

19 Other Term Liabilities

20 Total Term Liabilities

21 TOTAL OUTSIDE LIABILITIES (13+20)

NET WORTH

22 Proprietor's Capital

23 General Reserve / Capital Reserve

24 Share Premium

25 DTL

26 Other reserves (excl. Prov)

27 Surplus(+) or deficit (-) in P&L A/c

28 Net Worth (Total of 22 to 27)

29 TOTAL LIABILITIES (21+23)

Borrower's Name: M/S DIVYA SHAKTI FUEL

ASSETS

CURRENT ASSETS

30 Cash and Bank Balance

31 Investment (other than long term investments

e.g., sinking fund, gratuity fund, etc.,)

a) Govt and other Trustee securities

Other Current Investments(other F.D)
b) FDs in Banks

32 a) Receivables other than deferred & export

receivables (due in one year)

b) Export receivables

Total receivables

33 Instalments of deferred receivables (due in

one year)

34 Inventory

a) Raw materials - Indigenous

Raw materials - Imported

b) Stocks in Process

c) Finished Goods

d) Other consumable spares

35 Advances to suppliers of raw materials and

stores, spares, consumables, etc.,

36 Advance payment of Taxes

37 Other current assets

38 TOTAL CURRENT ASSETS

Total of Other Current Assets

Borrower's Name: M/S DIVYA SHAKTI FUEL

ASSETS

FIXED ASSETS:

39 Gross Block (land, building, Machinery

Construction work in progress, etc.,)
Capital Work in Progress

40 Depreciation to date

41 Net Block (39-40)

OTHER NON-CURRENT ASSETS

42 Investments/Book debts/advances
deposits which are not current
assets

a) Investments in subsidiary Cos/affiliates, etc(Inter Unit)

b) others (Security)
c) Advances to suppliers of capital
Goods, spares and contractors
capital expenditure (Prposed Expansion)

d) Deferred receivables maturing

beyond one year (Deffered Tax)
e) Others (Security Deposit)

43 Non-consumable stores & Spares

44 Other Miscelleneous assets including due

from Directors)

45 Total Other Non-current Assets

(42+43+44)

46 Intangible Assets (Patents, goodwill,

Preliminary and formation expenses,
bad and doubtful debts not provided for etc.,)

47 TOTAL ASSETS
48 Tangible Net Worth (28-46)
49 Net Working Capital (38-13)

NWC without provision of taxes

Borrower's Name: M/S DIVYA SHAKTI FUEL

Particulars

1 SOURCES
Profit Before Tax
Add: Depreciation (net)
Investment Allowance
Gross Funds generated
Less Taxes paid/payable
dividend
Add: Preliminary Expenses
Prior period adjustments
A. NET FUNDS GENERATED

INCREASE IN
a) Capital
b) TL/Deb/Deb payment
c) Public Deposit
d) Other Term Liabilities

DECREASE IN
a) Fixed Assets
b) Intercorporate Investment
c) Other Non-current Assets
d) Intangible assets
B. SUB TOTAL

Increase in Short Term Bank borrowings

Increase in Other current liabilities
Decrease in Inventory
Decrease in receivables
Decrease in other C/A

C. SUB TOTAL

TOTAL FUNDS AVAILABLE

2 USES:
Increase in fixed assets
Decrease in
a) TL/Deb/Def payment
b) Public Deposit
c) Capital
d) Other term liabilities
Increase in Intercorp. Invest-
ments and advances
Increase in Non-C/A
Increase in intangible Assets
D. SUB TOTAL
Borrower's Name: M/S DIVYA SHAKTI FUEL

Particulars

Decrease in
a) Short term bank borrowing
b) In other current liabilities

Increase in
a) Inventory
b) In receivables
c) Other Cur. Assets

E. Sub-Total

Loss
Less: Inv. Allowance
Depreciation

Bal: Gross funds lost(-)/or

Gross funds generated

Add: Taxes paid/payable

Add: Dividends paid/payable

F. Sub Total

G. NET FUNDS LOST

(if F is negative)
TOTAL FUNDS USED

3 SUMMARY

Long term Sources

(A+B+F, if F is +ive)
Less: Long term uses (D+G)

Surplus(+) / Deficit (-)

Short term Sources [C]

Less: Short Term uses (E)

Surplus(+) / Deficit (-)

Diff in TNW
Borrower's Name: M/S DIVYA SHAKTI FUEL

Projected domestic sales (Net sales)

Projected Export sales
Classification of Industry

I CURRENT ASSETS
* Raw materials imported
(Months consumption)
* Raw materials indigenous
(Months consumption)
* Other consumable spares
(Months consumption)
* Stocks in Process
(Months Cost of Production)
* Finished goods
(Months Cost of Sales)
* Receivables - Domestic
(Months Total sales)
* Receivables - Export
(Months Sales)
Advance to suppliers
Other current Assets
Total (I)

II CURRENT LIABILITIES
(Other than bank borrowings)
Creditors for Purchases
(Months purchase)
TL instalments
Advance from Customers
Accrured Expenses / Provisons
Statutory liabilities
Other current Liabilities, incl. Creditors for exp
Total (II)
III Working Capital Gap (I-II)
IV Actual/Projected Bank Borrowings
V Total Current Liabilities (II + IV)
VI Actual/Projected Net Working Capital (I-V)
VII Min. Stipulated Net Working Capital
(excl. Export Receivables)
VIII Item No III - Item VII
IX Item No III - Item VI
X Max. Permissible Bank Finance
(Item VIII or IX whichever is lower)
XI Excess Borrowings (VII-VI)
 SECTION II - FINANCIAL PARAMETERS AND ASSESSMENT
1 FINANCIAL PERFORMANCE
Borrower's Name: M/S DIVYA SHAKTI FUEL

a) Balance Sheet Data / Capital Structure

Paid up Capital
a) Equity Share Capital
Reserves & Surplus (Excl. Revaluation reserves and net
of intangible assets)

Profit & Loss Account

Tangible Net worth

Deferred Tax Liability

Adjusted Net Worth

Net Owned Funds

Term Liabilities
of which
Term Loans
Un secured Loans
Others
Capital Employed
Net Block
Funds Invested outside Business

Other Non Current Assets

Current Assets
of which
Inventories
Debtors
Cash & Bank Balances
Other Current Assets
Current Liabilities
of which
Creditors
Bank Borrowings
TL Payable in one year
Other Liabilities/provisions

Net Current Assets

Capital Deployed
b) Operational Data
Gross Sales
Less: Excise / Sales Tax
Net Sales
Of which exports
Other Income (net)
Cost of Goods Sold
Adm. & Selling Expenses
Depreciation
Interest
Net Profit before Tax
Tax Provisions
Net Profit After Tax
Dividend
Cash Accruals
EBIT
Ratio Analysis
Operating Profit Margin (EBIT/Total sales)

PBT/Net Sales %
PAT/Net Sales%
Return on Capital Employed (in %) (EBIT/Capital
Employed)

Current Ratio (Considering TL Instalments)

Current Ratio (without Considering TL Instalments)

DE Ratio (TTL/TNW)
DE Ratio (TOL/TNW)
Stock Turnover ratio (Days))

Debtor Turnover ratio (Days)

DSCR-
 ASSESSMENT OF WORKING CAPITAL FINANCE

Borrower's Name: M/S DIVYA SHAKTI FUEL

A. 1 LAST YEAR

A. 1.1 Projected Turnover (Net of Sales Return, etc)

A. 1.2 Actual Turnover (Net of Sales Return, etc)
A. 1.3 Variance between 1.1 and 1.2 above (in percentage terms)
A. 1.4 Actual Margin contributed towards Working Capital requi-
rement (i.e., excess of Total Current Assets* over
Current Liabilities*) as per Audited/Provisional Balance
Sheet of last year
a) Amount
b) Percentage to 1.2 above
A. 2 CURRENT YEAR

A. 2.1 Actual Turnover (Net of Sales Returns, etc) upto the

month 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 & other justifications,
(to be specified), if any.
A. 2.3 Actual margin contributed towards Working Capital require-
ment (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
b) Percentage to 2.2 above
A. 3 NEXT YEAR
A. 3.1 The Turnover (net of Sales returns, etc) projected by the party
A. 3.2 The Turnover considered acceptable by the Appraising autho-
rity for the instant appraisal considering, inter-alia, the
relevent figures under "1" and "2" above and other justifi-
cations (to be specified), if any
A. 3.3 Margin projected by the party to be contributed in the
next year for Working Capital Finance.
A. 3.4 Margin stipulated by the Appraising Authority -
This margin is to be higher among the following:
a) Either 5% of the 3.2 above
b) Or the amount as per 3.3 above

A. 4 PERMISSIBLE BANK FINANCE (PBF shall be 25% of A 3.2

Minus the amount arrived at under the A 3.4 above)
A. 4.1 Amount of PBF
A. 4.2 Percentage of PBF amount to A 3.2 above
 ASSESSMENT OF WORKING CAPITAL FINANCE

Borrower's Name: M/S DIVYA SHAKTI FUEL

B. COUNTER CHECK ON THE PBF ARRIVED AS PER A.4 ABOVE
Particulars 0
Audited
2018
B. 1 PERFORMANCE PARAMETERS
B. 1.1 Average Monthly Sales 0.00
B. 1.2 Less: Average Monthly Exps
B. 1.2.1 Purchase of Raw Materials 0.00
Stores,Stocks in Trade, etc
B. 1.2.2 Power and Fuel 0.00
B. 1.2.3 Wages & Salaries 0.00
B. 1.2.4 Other Mfg. & Business Exps 0.00
B. 1.2.5 Others 0.00
B. 1.2.6 Total Monthly Expenses 0.00
B. 1.3 Monthly Surplus (I - II) 0.00
B. 2 OPERATING CYCLE
B. 2.1 No. of days for which stock of #DIV/0!
raw material, stores, spares
Stock-in-trade, etc are required
B. 2.2 Average production time required #DIV/0!
for conversion of raw material
into Finished Goods (in case of
Manufacturing/Processing units)
B. 2.3 Average stocking period for #DIV/0!
Finished Goods / Stock in Trade
B. 2.4 Average period of credit sales #DIV/0!
(time taken for realization of
Sale proceeds from tradedebtors)
B. 2.5 TOTAL OPERATING CYCLE #DIV/0!
B. 3 APPROXIMATE REQUIREMENT OF WORKING CAPITAL FINANCE
B. 3.1 Gross Working Capital required #DIV/0!
(Step No II) x (Step No IV)
30 days in the Operating Cycle
B. 3.2 Less: Average amount of Sundry 0.00
Creditors, equivalent to
one operating cycle/adv.
from customers for Supplies
B. 3.3 GROSS WORKING CAPITAL REQUIREMENT #DIV/0!
B. 3.4 Less: Amount that is/can be con- 0.00
tributed by the Borrower
towards margin for W / C
from the Banking System
B. 3.5 Approximate requirement of Work- #DIV/0!
ing Capital Finance from the
Banking System, i.e., B. 3.3 (-)
B. 3.4 above.
ACTUAL PROJECTED BANK BORROWINGS 0.00