Assesment of Working Capital Requirements

As per Profit & Loss Account actuals / estimates for the year ended / ending
2020 2021 2022 2023 2024 2025 2026 2027
M/s SAT GURU HEALTH CARE PRIVATE LIMITED
Estimated Projected Projected Projected Projected Projected Projected Projected
1. Gross sales - (i) Domestic sales 742.78 848.88 955.00 955.00 955.00 955.00 955.00 955.00
(ii) Trading sales
(iii) Other Revenue Income
- - - - - -
Total 742.78 848.88 955.00 955.00 955.00 955.00 955.00 955.00
2. Less excise duty 0.00 - - - - - - -
Deduct other items - - - - - - -
3. Net sales(item 1 - item 2) 742.78 848.88 955.00 955.00 955.00 955.00 955.00 955.00
4. % age rise (+) or fall (-) in net sales as compared to
previous year (annualised) #VALUE! 14.28% 12.50% 0.00% 0.00% 0.00% 0.00% 0.00%
5. Cost of sales
i) Raw materials(including stores & spares and 428.40 489.60 550.80 550.80 550.80 550.80 550.80 550.80
other items used in the process of manufacture
(a) Imported
(b) Indigenous 428.40 489.60 550.80 550.80 550.80 550.80 550.80 550.80
ii) Other spares - - - - - - - -
(a) Imported - - - - - - -
(b) Indigenous 0.00 - - - - - - -
iii)Power and fuel 13.66 15.60 17.56 17.56 17.56 17.56 17.56 17.56
iv) Direct labour(staff salay) 66.00 72.60 79.20 85.80 92.20 92.20 92.20 92.20
v) Other mfg. Expenses (Repairs, Maint & Insurance)) 2.80 3.20 3.60 4.00 4.40 5.00 5.00 5.00
vi) Depreciation 36.47 32.83 29.54 26.59 23.93 20.34 17.29 14.70
vii) SUB-TOTAL (i to vi) 547.33 613.83 680.70 684.75 688.89 685.90 682.85 680.26
viii) Add:Opening stocks-in-process/stores& spares 0.00 - - - - - - -
Sub-total 547.33 613.83 680.70 684.75 688.89 685.90 682.85 680.26
ix) Deduct:Closing stocks-in-process/stores& spares
x) Cost of Production 547.33 613.83 680.70 684.75 688.89 685.90 682.85 680.26
xi) Add : Opening stock of Finished goods 0.00 - - - -
Sub-total 547.33 613.83 680.70 684.75 688.89 685.90 682.85 680.26
xii) Deduct closing stock of Finished goods 0.00 - - -
xiii) SUB-TOTAL (Total cost of sales) 547.33 613.83 680.70 684.75 688.89 685.90 682.85 680.26
Gross Profit 195.45 235.05 274.30 270.25 266.11 269.10 272.15 274.74
6. Selling, general & adm. expenses 20.16 23.04 25.92 25.92 25.92 25.92 25.92 25.92
7. SUB-TOTAL (5+6) 567.49 636.87 706.62 710.67 714.81 711.82 708.77 706.18
8. Operating profit before interest(3-7) 175.29 212.01 248.38 244.33 240.19 243.18 246.23 248.82
9. Interest 44.05 41.49 35.34 29.19 23.04 16.90 10.76 4.61
10.Operating profit after interest(8-9) 131.24 170.52 213.04 215.14 217.15 226.28 235.47 244.21
11. (i) Add other non-operating income
(a) Interest / Discount Received - - - - - - -
(b) Miscellaneous Income
(c) Income from sale of Dolochar
(d) Previous Year Adjustments - - - - - - -
Sub-total (income) - - - - - - - -
(ii) Deduct other non-operating exp.
(a)Amount written off 0.60 0.60 0.60 0.60 0.60 0.60 0.60 0.60
(b)Others INTEREST
(c) Loss on sale of assets
Sub-total(expenses) 0.60 0.60 0.60 0.60 0.60 0.60 0.60 0.60
(iii) Net of other non-operating income/expenses (0.60) (0.60) (0.60) (0.60) (0.60) (0.60) (0.60) (0.60)
12. Profit before tax/loss {10+11(iii)} 130.64 169.92 212.44 214.54 216.55 225.68 234.87 243.61
13. Provision for taxes 39.17 50.94 63.69 64.32 65.32 66.32 67.32 68.32
14. Net profit/loss (12-13) 91.47 118.98 148.75 150.22 151.23 159.36 167.55 175.29
15. (a)Equity dividend paid - (Withdrawals)
(b) Dividend Rate 0% 0% 0% 0% 0% 0% 0% 0%
16. Retained profit (14-15) 91.47 118.98 148.75 150.22 151.23 159.36 167.55 175.29
17. Retained profit/Net profit (% age) 100% 100% 100% 100% 100% 100% 100% 100%
12.31% 14.02% 15.58% 15.73% 15.84% 16.69% 17.54% 18.36%
 FORM - III

ANALYSIS OF BALANCE SHEET (AMOUNT IN : Rs. in Lacs)

M/s SAT GURU HEALTH CARE PRIVATE LIMITED

LIABILITIES 2020 2021 2022 2023 2024 2025 2026 2027

CURRENT LIABILITIES Estimated Projected Projected Projected Projected Projected Projected Projected

1.Short-term borrowings from banks(incld.bills purchased

discounted & excess borrwoing placed on repayment basis)

(i) From applicant bank 0.00 - - - - - - -

(ii) From other banks 0.00 - - - - - - -

(iii) (of which BP & BD) 0.00 - - - - - - -

Sub total (A) - - - - - - - -

2. Short term borrowings from others - - - - - - -

3. Sundry creditor (Trade) 0.00 - - - - - - -

4. Advance payments from customers/dep. from dealers - - - - - -

5. Provision for taxation 39.17 50.94 63.69 64.32 65.32 66.32 67.32 68.32

6. Dividend payable

7. Other statutory liabilities (due within one year)

8. Deposits/Instalments of term loans/DPGs/Debentures, etc.

(due within one year) 0.00 -

9. Other current liabilities & provisions (due in 1yr.) - - - - - - - -

(Specify major items)

a. Outstanding Expenses

b. Other Current Liabilities & provisions (Bank OD)

c. Other Current Liabilities 0.00 - - -

Other Current Liabilities [Sub-total (B)] 39.17 50.94 63.69 64.32 65.32 66.32 67.32 68.32

10. Total Current Liabilities( total of 1 to 9 excl 1(iii)) 39.17 50.94 63.69 64.32 65.32 66.32 67.32 68.32

TERM LIABILITIES

11.Debentures (not maturing within 1 yr.) - - - - - - -

12.Prefrence shares(redeemable after1yr.) - - - - - - -

13.Term loans(excld instalments payable within 1 yr.) 330.94 283.66 189.10 141.82 141.82 141.82 141.82 141.82

Deffered payment Credit excl. instt. Due within 1 year)

15.Unsecured Loans (repayable after 1 yr.) 0.00 - - - - - - -

16.Other term liabilities(Advances from Customers)

17. TOTAL TERM LIABILITIES 330.94 283.66 189.10 141.82 141.82 141.82 141.82 141.82

17(a). Inter Unit Balance - - - 1.00 2.00 3.00 4.00

18. Total Outside Liabilities(item 10 +17) 370.11 334.60 252.79 206.14 208.14 210.14 212.14 214.14

NET WORTH

19.Ordinary share capital 204.41 231.92 261.69 263.16 264.17 272.30 280.49 288.23

20.General Reserve -

21.Capital Reserve -

22.Other reserves(excluding provisions) -

23.Surplus(+) or deficit(-) in P&L account

23(a).Others - (Profit Reserve)

23(b). Investment Allowance Reserve - - -

24. NET WORTH 204.41 231.92 261.69 263.16 264.17 272.30 280.49 288.23

25. TOTAL LIABILITIES 574.52 566.52 514.48 469.30 472.31 482.44 492.63 502.37
 FORM - III (Continued)
ANALYSIS OF BALANCE SHEET (AMOUNT IN : Rs.in Lacs)
M/s SAT GURU HEALTH CARE PRIVATE LIMITED
ASSETS 2020 2021 2022 2023 2024 2025 2026 2027
CURRENT ASSETS
Estimated Projected Projected Projected Projected Projected Projected Projected
26.Cash and bank balances 1.69 4.73 5.44 6.85 3.79 4.26 6.74 6.18
27.Investments(other than long term investments) - - - - - - - -
(i) Fixed Deposits( LC,BG,Margin )
(ii)Other Fixed deposits with bank
28.(i) Receivables other than defered & export 82.53 94.32 106.11 106.11 106.11 106.11 106.11 106.11
( including bills purchased and dicounted by banks) - - - - - - -
(ii)Export receivables(incld bills purchased & dis.by bank) - - - - - - -
29.Instalments of deferred receivables(due within 1 yr.) - -
30.Inventory: - - - - - - - -
(i) Raw materials(including stores & other items - - - - - - - -
used in the process of manufacture)
a)Imported - - -
b)Indigenous 0.00
(ii) Stocks-in-process -
(iii)Finished goods - - - - - - - -
(iv) Other consumable spares - - - - - - - -
a)Fuel & Oil
b)Indigenous
31.Advances to suppliers of raw materials 0.00 -
32.Advance payment of taxes - -
33.Other current assets - - - - - - - -
- stock of medicines
- Others ( ) Loans & advances
34. TOTAL CURRENT ASSETS(total of 26 to 33) 84.22 99.05 111.55 112.96 109.90 110.37 112.85 112.29
FIXED ASSETS
35.Gross Block(land & building,machinery,work-in-process) 451.77 451.77 451.77 451.77 451.77 451.77 451.77 451.77
36.Depreciation to date 36.47 69.30 98.84 125.43 149.36 169.70 186.99 201.69
37. NET BLOCK (35-36) 415.30 382.47 352.93 326.34 302.41 282.07 264.78 250.08
OTHER NON-CURRENT ASSETS
38.Investments/book debts/adv./deposits which are not 75.00 85.00 50.00 30.00 60.00 90.00 115.00 140.00
Current Assets
(i) a)Investments in subsidiary companies/affiliates
b)Others (amount enmarked for future expansion) - - - - - -
(ii)Advances to suppliers of capital goods & contractors
(iii)Inter unit A/c.
(iv)Others-Debtors >6 months -
-Security deposit
-Any other Non-Current deposits -
39.Non-consumables stores & spares
40.Other non-current assets incl.dues from directors 0.00 - - - - - -
41. TOTAL OTHER NON-CURR.ASSETS 75.00 85.00 50.00 30.00 60.00 90.00 115.00 140.00
42.Intangible assets(patents, goodwill, prelim. exp.
bad/doubtful expenses not provided for, etc.) 0.00 - -
43. TOTAL ASSETS (34+37+41+42) 574.52 566.52 514.48 469.30 472.31 482.44 492.63 502.38
44. TANGIBLE NET WORTH (24-42) 204.41 231.92 261.69 263.16 264.17 272.30 280.49 288.23
45. NET WORKING CAPITAL(17+24)-(37+41+42) : 45.05 48.11 47.86 48.64 44.58 44.05 45.53 43.97
46. Current Ratio 2.15 1.94 1.75 1.76 1.68 1.66 1.68 1.64
47. Total Outside Liabilities/ Tangible Net Worth 1.81 1.44 0.97 0.78 0.79 0.77 0.76 0.74
48. Total Term Liabilities/Tangible Net Worth 1.62 1.22 0.72 0.54 0.54 0.52 0.51 0.49
0.00 - 0.00 0.00 0.00 0.00 0.00 0.00
 FORM - IV
Comparative statement of Current assets & Current Liabilities ( Amount in Lacs)
M/s SAT GURU HEALTH CARE PRIVATE LIMITED As per Balance sheet as at
I. CURRENT ASSETS 2020 2021 2022 2023 2024 2025 2026 2027

Estimated Projecte Projecte Projected Projected Projecte Projecte Projected

1.Raw materials including stores & other items used in
the process of manufacturing
(a) Imported : Amount a)Im - - - - - - -
: Month's consumption - - - - -
(b) Indigenous : Amount - - - - - - - -
: Month's consumption - - - - - - - -
2. Other consumable spares, excldg. those included in(1) above
(a) Imported : Amount - - - - - - - -
: Month's consumption - - - - - - - -
(b) Indigenous : Amount - - - - - - - -
: Month's consumption - - - - - - - -
3. Stocks-in-process : Amount - - - - - - - -
: Month's cost of production - - - - - - - -
4. Finished goods : Amount - - - - - - - -
: Month's cost of Sales - - - - - - - -
5. Receivables other than export & defered receivables
( Incldg. bills purchased & discounted by bank)
: Amount 82.53 94.32 106.11 106.11 106.11 106.11 106.11 106.11
: Month's Domestic Sales( includg. defered payment sales) (0.56) (1.33) (1.33) (1.33) (1.33) (1.33) (1.33) (1.33)
6. Export receivables(incldg. bills purchased & disc.)
: Amount 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
: Month's export Sales - - - - - - - -
7. Advance to suppliers of materials & stores/spares,consumables 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8. Other current assets includg. cash & bank balances & defered 1.69 4.73 5.44 6.85 3.79 4.26 6.74 6.18
receivables due within one year(speciy major items)
: Cash & bank balances 1.69 4.73 5.44 6.85 3.79 4.26 6.74 6.18
: Investment except long-term investment of def. receivales 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
: Others 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9. TOTAL CURRENT ASSETS #VALUE! 99.05 111.55 112.96 109.90 110.37 112.85 112.29
II. CURRENT LIABILITIES
(Other than bank borrowing for working capital)

10. Creditors for purchase of raw materials,stores & consumable

spares : Amount - - - - - - - -
: Month's purchase - - - - - - - -
11. Advance from customers - - - - - - - -
12. Statutory liabilities - - - - - - - -
13. Other current liabilities-specify major items
a) S T borrowings-others - - - - - - - -
b) Dividend payable - - - - - - - -
c) Instalments of TL, DPS & public deposits - - - - - - - -
d) Other current liabilities & provisions - - - - - - - -
14. TOTAL 39.17 50.94 63.69 64.32 65.32 66.32 67.32 68.32
 FORM - V
Computation of Assessed Bank Finance for Working Capital (Rs.in Lacs)
As per Balance sheet as at
2020 2021 2022 2023 2024 2025 2026 2027
M/s SAT GURU HEALTH CARE PRIVATE LIMITED
Estimated Projecte Projecte Projected Projected Projecte Projecte Projected
ASSESSED BANK FINANCE
1. Total current assets 84.22 99.05 111.55 112.96 112.29 0.00 0.00 0.00
2. Other current laibilities(other than bank borrowing) 39.17 50.94 63.69 64.32 68.32 0.00 0.00 0.00
3. Working capital gap 45.05 48.11 47.86 48.64 43.97 0.00 0.00 0.00
4. Net working capital 45.05 48.11 47.86 48.64 43.97 0.00 0.00 0.00
5. Assessed Bank Finance 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6. NWC to Total Current Assets % 53.49 48.57 42.91 43.06 39.16 #DIV/0! #DIV/0! #DIV/0!
7. Bank Finance to TCA % 0.00 0.00 0.00 0.00 0.00 #DIV/0! #DIV/0! #DIV/0!
8. Sundry Creditors to TCA % 0.00 0.00 0.00 0.00 0.00 #DIV/0! #DIV/0! #DIV/0!
9. Other Current Liability to Total Current assets % 46.51 51.43 57.09 56.94 60.84 #DIV/0! #DIV/0! #DIV/0!
10. Inventory to Net Sales ( Days ) - - - - - #DIV/0! #DIV/0! #DIV/0!
11. Receivables to Gross Sales ( Days ) 41 41 41 41 41 #DIV/0! #DIV/0! #DIV/0!
12. Sundry Creditors to Purchases ( Days ) - - - - #VALUE! ### ### ###
FORM - VI FUND FLOW STATEMENT (Rs.in Lacs)
As per Balance sheet as at
2020 2021 2022 2023 2024 2025 2026 2027
M/s SAT GURU HEALTH CARE PRIVATE LIMITED
Estimated Projecte Projecte Projected Projected Projecte Projecte Projected

1. SOURCES
a) Net profit (after tax) 91.47 118.98 148.75 150.22 175.29 0.00 0.00 0.00
b) Depreciation 36.47 32.83 29.54 26.59 14.70 0.00 0.00 0.00
c) Increase in capital 0.00 27.51 29.77 1.47 25.07 0.00 0.00 0.00
d) Increase in term liabilities,including public deposits 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
e) Decrease in : i ) Fixed assets 0.00 0.00 0.00 0.00 0.00 451.77 451.77 451.77
ii) Other non-current assets 0.00 0.00 35.00 20.00 0.00 60.00 90.00 115.00
f) Others 0.00 0.00 0.00 0.00 0.00 1.00 2.00 3.00
g) TOTAL 127.94 179.32 243.06 198.28 215.06 512.77 543.77 569.77
2. USES
a) Net loss
b) Decrease in term liabilities,including public deposits 0.00 47.28 94.56 47.28 0.00 141.82 141.82 141.82
c) Increase in : i ) Fixed asset 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
ii ) Depreciation adjustment 0.00 0.00 0.00 0.00 -61.56 149.36 169.70 186.99
iii) Other non-current assets 0.30 10.00 0.00 0.00 110.00 0.00 0.00 0.00
d) Dividend payment (withdrawal) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
e) Others #VALUE! 118.98 148.75 150.22 175.29 264.17 272.30 280.49
f) TOTAL #VALUE! 176.26 243.31 197.50 223.73 555.35 583.82 609.30
3. Long term surplus / deficit #VALUE! 3.06 -0.25 0.78 -8.67 -42.58 -40.05 -39.53
check 45.05 3.06 -0.25 0.78 -4.67 -44.58 -44.05 -45.53
4. Increase / Decrease in current assets* - 14.83 12.50 1.41 (0.67) ### ### ###
(as per details given below)
5. Increase / Decrease in current liabilities - 11.77 12.75 0.63 4.00 (65.32) (66.32) (67.32)
other then bank borrowings
6. Increase / Decrease in working capital gap - 3.06 (0.25) 0.78 (4.67) (44.58) (44.05) (45.53)
7. Net surplus(+) / deficit(-) #VALUE! 0.00 (0.00) (0.00) (4.00) 2.00 4.00 6.00
8. Increase / Decrease in Bank borrowings - - - - - - - -
INCREASE / DECREASE IN NET SALES 0.00 106.10 106.12 0.00 0.00 ### ### ###
*Break-up of (4) #VALUE! 0.00 (0.00) (0.00) (4.00) 2.00 4.00 6.00
i ) Increase / decrease in Raw materials - - - - - - - -
ii ) Increase / decrease in Stock -in-process - - - - - - - -
iii ) Increase / decrease in Finished goods - - - - - - - -
iv) Increase / decrease in Receivables (a) Domestic - 11.79 11.79 - - ### ### ###
(b) Export - - - - - - - -
v ) Increase / decrease in Stores & spares - - - - - - - -
vi) Increase / decrease in Other current assets - 3.04 0.71 1.41 (0.67) (3.79) (4.26) (6.74)
- 14.83 12.50 1.41 (0.67) ### ### ###
 Assesment of Working Capital Requirements
Financial Indicators
0.00 2020 2021 2022 2023 2024 2025 2026 2027
M/s SAT GURU HEALTH CARE PRIVATE
LIMITED Estimated Projected Projected Projected Projected 0.00 0.00 0.00
1. Net Sales 742.78 848.88 955.00 955.00 955.00 955.00 955.00 955.00
1.a. Operating Profit 175.29 212.01 248.38 244.33 240.19 243.18 246.23 248.82
2. Profit Before Tax 130.64 169.92 212.44 214.54 216.55 225.68 234.87 243.61
2.a. PBT / Net sales( % ) 17.59 20.02 22.25 22.46 22.68 23.63 24.59 25.51
3. Profit After Tax 91.47 118.98 148.75 150.22 151.23 159.36 167.55 175.29
4. Paid Up Capital 204.41 231.92 261.69 263.16 264.17 272.30 280.49 288.23
4.a. Cash Accruals 127.94 151.81 178.29 176.81 175.16 179.70 184.84 189.99
5. Tangible Net Worth 204.41 231.92 261.69 263.16 264.17 272.30 280.49 288.23
6. Total Outside Liability 370.11 334.60 252.79 206.14 208.14 210.14 212.14 214.14
7. TOL / TNW 1.81 1.44 0.97 0.78 0.79 0.77 0.76 0.74
7.a. Adjusted TNW 204.41 231.92 261.69 263.16 264.17 272.30 280.49 288.23
7.b. TOL / Adj. TNW 1.81 1.44 0.97 0.78 0.79 0.77 0.76 0.74
8. Total Current Assets 84.22 99.05 111.55 112.96 109.90 110.37 112.85 112.29
8.a. Total Tangible Assets 574.52 566.52 514.48 469.30 472.31 482.44 492.63 502.38
9. PBT / TTA ( % ) 22.74% 29.99% 41.29% 45.71% 45.85% 46.78% 47.68% 48.49%
10. Operating Expenses 567.49 636.87 706.62 710.67 714.81 711.82 708.77 706.18
11. Operating Expenses / Net Sales ( % ) 76.40% 75.02% 73.99% 74.42% 74.85% 74.54% 74.22% 73.95%
12. Cost Of Sales / Net sales ( % ) 73.69% 72.31% 71.28% 71.70% 72.14% 71.82% 71.50% 71.23%
13. Depretiation 36.47 32.83 29.54 26.59 23.93 20.34 17.29 14.70
14. Interest 44.05 41.49 35.34 29.19 23.04 16.90 10.76 4.61
15. Net Working Capital 45.05 48.11 47.86 48.64 44.58 44.05 45.53 43.97
17. Inventory + Receivables 82.53 94.32 106.11 106.11 106.11 106.11 106.11 106.11
18. Assessed Bank Finance 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
19. PBDIT 211.16 244.24 277.32 270.32 263.52 262.92 262.92 262.92
20. PBDIT / Intt. 4.79 5.89 7.85 9.26 11.44 15.56 24.43 57.03
21. PBDIT / TTA 36.75 43.11 53.90 57.60 55.79 54.50 53.37 52.34
22. Purchases 428.40 489.60 550.80 550.80 550.80 550.80 550.80 550.80
23. Sundry Creditors 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
24. TOL / TNW 1.81 1.44 0.97 0.78 0.79 0.77 0.76 0.74
25. CA /CL 2.15 1.94 1.75 1.76 1.68 1.66 1.68 1.64
26. Bank Finance / TCA ( % ) - - - - - #DIV/0! #DIV/0! #DIV/0!
27. Gross Sales / Total Current Assets 8.82 8.57 8.56 8.45 8.69 8.65 8.46 8.50
28. Operating Profit / Net Sales ( % ) 23.60 24.98 26.01 25.58 25.15 25.46 25.78 26.05
29. Operating Profit / TTA ( % ) 30.51 37.42 48.28 52.06 50.85 50.41 49.98 49.53
30. Operating Profit / TNW ( % ) 85.75 91.42 94.91 92.84 90.92 89.31 87.79 86.33
31. Operating Profit / Gross Fixed Assets( % ) 38.80 46.93 54.98 54.08 53.17 53.83 54.50 55.08
EFFICIENCY RATIOS
1. Net Sales to TTA ( times) 1.29 1.50 1.86 2.03 2.02 1.98 1.94 1.90
2.PBT to TTA ( % ) 22.74 29.99 41.29 45.71 45.85 46.78 47.68 48.49
3. Operating costs to sales ( % ) 76.40 75.02 73.99 74.42 74.85 74.54 74.22 73.95
4. Bank Finance to TCA ( % ) - - - - - #DIV/0! #DIV/0! #DIV/0!
5. Inventory +Receivables to net sales ( days) 41 41 41 41 41 41 41 41
A. Assessed Bank Finance 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
B. CA /CL 2.15 1.94 1.75 1.76 1.68 1.66 1.68 1.64
C. TOL / TNW 1.81 1.44 0.97 0.78 0.79 0.77 0.76 0.74
D. PBDIT / Intt. 4.79 5.89 7.85 9.26 11.44 15.56 24.43 57.03
E. Net Profit / Net Sales ( % ) 12.31 14.02 15.58 15.73 15.84 16.69 17.54 18.36
F. (PBDIT / TTA) ROCE 36.75 43.11 53.90 57.60 55.79 54.50 53.37 52.34
G. (Inventory + Receivable)/Net Sales ( days ) 41 41 41 41 41 41 41 41
Inv/NS+Rec/GS (days) 41 41 41 41 41 41 41 41
 2008 2009 2010 2011 2012 2013
Cross Checks
Audited Provisional Estimates ProjectionsProjectionsProjections
Difference in Balance Sheet (1) (2) (3) (4)

Diff between SIP in P& L and in Balance sheet 0.00 0.00 0.00 0.00 #VALUE! #VALUE!

Diff between FG in P& L and in Balance sheet 0.00 0.00 0.00 0.00 #VALUE! #VALUE!

Diff between Depre. in P& L and in Balance sheet 0.00 0.00 (61.56) #VALUE! #VALUE!

Diff between P& L Balane & Inc in Retained Earnings 148.75 150.22 175.29 #VALUE! #VALUE!

265.50 225.68 191.82 163.05 138.59 117.80

15% 39.83 33.85 28.77 24.46 20.79 17.67
225.68 191.82 163.05 138.59 117.80 100.13

0.82 1.51 1.28 1.09 0.92 0.78

40.65 35.36 30.05 25.55 21.71 18.45
Borrower's Name: M/s SKM CONCRETE PROPOSAL PAGE NO 7
Following Year Following Year Following Year Following Year Following Year
Particulars Estimated Projections Projections Projections Projections
2009 2010 2011 2012 2013

1 Current Assets 84.22 99.05 111.55 112.96 112.29

2 Current Liabilities 39.17 50.94 63.69 64.32 68.32

3 Contribution to Working Capital 45.05 48.11 47.86 48.64 43.97

4 Net Fixed Assets 415.30 382.47 352.93 326.34 250.08

5 Term Liabilities 330.94 283.66 189.10 141.82 141.82

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

6 Contribution to Fixed Capital 84.36 98.81 163.83 184.52 108.26

7 Funds invested in business 129.41 146.92 211.69 233.16 152.24

8 Funds invested outside business 0.20 0.18 0.15 0.13 0.10

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

9 Funds borrowed from Group Cos 0.00 0.00 0.00 0.00 0.00
Directors/friends, etc

10 Intangible Assets (like goodwill 0.00 0.00 0.00 0.00 0.00

Patents, etc)

11 Tangible Net Worth 129.61 147.10 211.84 233.29 152.34

12 Net Sales (excl.other income) 742.78 848.88 955.00 955.00 955.00

13 Cost of sales 533.67 598.23 663.14 667.19 662.70

14 Gross Profit 209.11 250.65 291.86 287.81 292.30

15 Net Profit before tax 144.30 185.52 230.00 232.10 261.17

16 Net Profit after tax 144.30 185.52 230.00 232.10 261.17
17 Prov for Dev. Rebate/IRR
18 Depreciation 36.47 32.83 29.54 26.59 14.70
19 Cash Profit 180.77 218.35 259.54 258.69 275.87
20 Provision for taxation 0.00 0.00 0.00 0.00 0.00
21 Provision for dividend/ intt. & sal to
partners 0.00 1.00 2.00 3.00 4.00
22 Funds retained in business 180.77 217.35 257.54 255.69 271.87
Borrower's Name: M/s SKM CONCRETE
RATIO ANALYSIS Following Year Following Year Following Year Following Year Following Year
Estimated Projections Projections Projections Projections
Particulars 2009 2010 2011 2012 2013

1 Current Ratio 2.15 1.94 1.75 1.76 1.64

2 Debt Equity Ratio (Absolute) 1.81 1.44 0.97 0.78 0.73

Debt Equity Ratio (Quasi) 1.81 1.44 0.97 0.78 0.73

3 Gross Profit/Net Sales (%) 28.15 29.53 30.56 30.14 30.61

Operating Profit/Net Sales (%) 19.51 21.93 24.15 24.37 27.41

4 Net Profit to TNW (%) 111.33 126.12 108.57 99.49 171.45

Net Profit to Net Sales (%) 19.43 21.85 24.08 24.30 27.35

5 Inventory to Net Sales (M) 0.00 0.00 0.00 0.00 0.00

6 Receivables to Gross Sales (M) 1.33 1.33 1.33 1.33 1.33

Comments on Financial parameters/performance of the Company Estimated Projections

As at 2010 2011
Age of Receivables

More than 6 months

Others
Total

Age of Inventory

More than 6 months 0.00 0.00

Others 0.00 0.00
Total 0.00 0.00
Borrower's Name: M/s SKM CONCRETE
Following Year Following Year Following Year Following Year Following Year
Particulars Estimated Projections Projections Projections Projections
2009 2010 2011 2012 2013
Gross Sales
1 a) Sales 742.78 848.88 955.00 955.00 955.00
b) Other direct income 0.00 0.00 0.00 0.00 0.00

Total Gross Sales 742.78 848.88 955.00 955.00 955.00

2 Less: Excise duty 0.00 0.00 0.00 0.00 0.00
3 Net Sales 742.78 848.88 955.00 955.00 955.00

4 Cost of Sales
a) Raw materials (incl. Stores) 428.40 489.60 550.80 550.80 550.80
* other spares Indigenous 0.00
* Indigenous 428.40 489.60 550.80 550.80 550.80

b) Scrap
c) Power and Fuel 0.00 0.00 0.00 0.00 0.00
d) Direct Expenses 66.00 72.60 79.20 85.80 92.20
e) Other Manf Exp. 2.80 3.20 3.60 4.00 5.00
f) Rent for lease rent 0.00
g) Depreciation 36.47 32.83 29.54 26.59 14.70
Sub-total 533.67 598.23 663.14 667.19 662.70
Add: Op. Stock in Process 0.00 0.00 0.00 0.00 0.00
Sub Total 533.67 598.23 663.14 667.19 662.70
Less: Cl. Stock in Process 0.00 0.00 0.00 0.00 0.00
Cost of Production (Sub-total) 533.67 598.23 663.14 667.19 662.70
Add: Op. Stock of Finished Goods 0.00 1.00 2.00 3.00 4.00
Sub Total 533.67 599.23 665.14 670.19 666.70
Less: Cl. Stock of Finished Goods 0.00 1.00 2.00 3.00 4.00
COST OF SALES 533.67 598.23 663.14 667.19 662.70
5 Gross Profit (3-4) 209.11 250.65 291.86 287.81 292.30
6 Interest 44.05 41.49 35.34 29.19 4.61
7 Selling, General & Admn. Expenses 20.16 23.04 25.92 25.92 25.92
Sub Total 64.21 64.53 61.26 55.11 30.53
8 Operating Profit 144.90 186.12 230.60 232.70 261.77
9 Other Income/Expenses
Add:Income 0.00 0.00 0.00 0.00 0.00
Less Expenses 0.60 0.60 0.60 0.60 0.60
Sub-total (+)/(-) (0.60) (0.60) (0.60) (0.60) (0.60)
10 Profit Before tax/Loss 144.30 185.52 230.00 232.10 261.17
Less: Provision for development Reb 0.00 0.00 0.00 0.00 0.00
Prior period items/Prliminary Exp. w/off
Less: Provision for withdrawal 0.00 0.00 0.00 0.00 0.00
Defferred Taxes 39.17 50.94 63.69 64.32 68.32
11 Net Profit (retained profit) 105.13 134.58 166.31 167.78 192.85
Net Profit (after tax) 105.13 134.58 166.31 167.78 192.85
Borrower's Name: M/s SKM CONCRETE ANNEXURE F/1
Following Year Following Year Following Year Following Year Following Year
LIABILITIES Estimated Projections Projections Projections Projections
2009 2010 2011 2012 2013

CURRENT LIABILITIES:

1 Short Term borrowings from Banks

* From Bank of Baroda 0.00 0.00 0.00 0.00 0.00

* From other bank 0.00 0.00 0.00 0.00
(of which BP/BD)
Sub-total - A 0.00 0.00 0.00 0.00 0.00

2 Short Term borrowing from Others 0.00 0.00 0.00 0.00 0.00

3 Deposits (Maturing in one year)

4 Sundry Creditors for goods 0.00 0.00 0.00 0.00 0.00

5 Creditors for Expenses

6 Advances/Progress payments from c 0.00 0.00 0.00 0.00 0.00

deposits from dealers.

7 Interest and other charges accured, but not

paid.
8 Provision for taxation 39.17 50.94 63.69 64.32 68.32
9 Dividend payable
10 Other statutory liabilities 0.00 0.00 0.00 0.00
(due in one year)

11 Instalments of term loans deferred 0.00 0.00 0.00 0.00 0.00

credits/debentures/redeemable Pref. Shares
(due in one year)
Creditors for Capital Goods
12 Other current Liabilities and provisio 0.00 0.00 0.00 0.00 0.00
(due in one year)
Sub-total - B 39.17 50.94 63.69 64.32 68.32
13 Total Current Liabilities (A+B) 39.17 50.94 63.69 64.32 68.32
Term Loan O/S as on 31.03 330.94 283.66 189.10 141.82 141.82
Borrower's Name: M/s SKM CONCRETE
Following Year Following Year Following Year Following Year Following Year
LIABILITIES Estimated Projections Projections Projections Projections
2009 2010 2011 2012 2013

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) 330.94 283.66 189.10 141.82 141.82

Borrowings from group company/ 0.00 0.00 0.00 0.00 0.00

Directors/Friends and relatives

17 Deferred Payment Credit

18 Other Deposits - due after one year

19 Other Term Liabilities 0.00

20 Total Term Liabilities 330.94 283.66 189.10 141.82 141.82

21 TOTAL OUTSIDE LIABILITIES (13+2 370.11 334.60 252.79 206.14 210.14

NET WORTH

22 Share Capital 204.41 231.92 261.69 263.16 288.23

23 Profit and Loss 0.00 0.00 0.00 0.00 0.00

24 Capital induction 0.00 0.00 0.00 0.00 0.00

25 Deferred Tax assets 0.00 0.00 0.00 0.00 0.00

26 Intangible Assets 0.00 0.00 0.00 0.00 0.00

27 Other share premium 0.00 0.00 0.00 0.00 0.00

Withdrawls 0.00 0.00
28 Net Worth (Total of 22 to 27) 204.41 231.92 261.69 263.16 288.23

29 TOTAL LIABILITIES (21+23) 574.52 566.52 514.48 469.30 498.37

0.00 0.00 0.00 0.00 0.00

Borrower's Name: M/s SKM CONCRETE ANNEXURE F/3
Following Year Following Year Following Year Following Year Following Year
ASSETS AUD AUD AUD EST Projections
2009 2010 2011 2012 2013

CURRENT ASSETS

30 Cash and Bank Balance 1.69 4.73 5.44 6.85 6.18

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 82.53 94.32 106.11 106.11 106.11

receivables (due in one year)

b) Export receivables

Total receivables 82.53 94.32 106.11 106.11 106.11

33 Instalments of deferred receivables (due in

one year)

34 Inventory 0.00 0.00 0.00 0.00 0.00

a) Raw materials - Indigenous 0.00 0.00 0.00 0.00 0.00

Raw materials - Imported

b) Stocks in Process

c) Finished Goods 0.00 0.00 0.00 0.00 0.00

d) Other consumable spares 0.00 0.00 0.00 0.00 0.00

35 Advances to suppliers 0.00 0.00 0.00 0.00 0.00

36 Advance payment of Taxes 0.00 0.00 0.00 0.00 0.00

37 Other current assets 0.00 0.00 0.00 0.00 0.00

Deferred Tax Assets/Liabilities
38 TOTAL CURRENT ASSETS 84.22 99.05 111.55 112.96 112.29
Total of Other Current Assets 1.69 4.73 5.44 6.85 6.18
Borrower's Name: M/s SKM CONCRETE
Following Year Following Year Following Year Following Year Following Year
ASSETS Estimated Projections Projections Projections Projections
2009 2010 2011 2012 2013

FIXED ASSETS:

39 Gross Block Projected Fixed Assets A 451.77 451.77 451.77 451.77 451.77
Construction work in progress, etc.,)
Capital Work in Progress 0.00 0.00

40 Depreciation to date 36.47 69.30 98.84 125.43 201.69

41 Net Block (39-40) 415.30 382.47 352.93 326.34 250.08

OTHER NON-CURRENT ASSETS

42 Investments/Book debts/advances 0.00 0.00 0.00 0.00 0.00

deposits which are not current
assets

a) Investments in subsidiary Cos/affi 0.00 0.00 0.00

b) others (Security) 0.00 0.00 0.00 0.00 0.00
c) Advances to suppliers of capital 0.00
Goods, spares and contractors
capital expenditure (Prposed Expansion)

d) Deferred receivables maturing

beyond one year (Deffered Tax)
e) Others (Security Deposit) 0.20 0.18 0.15 0.13 0.10

43 FDR/Capital Subsidy 0.00 0.00 0.00 0.00 0.00

44 Other Miscelleneous assets including 0.00 0.00 0.00 0.00 0.00

from Directors)

45 Total Other Non-current Assets 0.20 0.18 0.15 0.13 0.10

(42+43+44)

46 Intangible Assets (Patents, goodwill, 0.00 0.00 0.00 0.00 0.00

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

47 TOTAL ASSETS 499.72 481.70 464.63 439.43 362.48

48 Tangible Net Worth (28-46) 204.41 231.92 261.69 263.16 288.23
49 Net Working Capital (38-13) 45.05 48.11 47.86 48.64 43.97

(74.80) (84.82) (49.85) (29.87) (135.90)

 FUNDS FLOW STATEMENT
Borrower's Name: M/s SKM CONCRETE
Following Year Following Year Following Year Following Year
Particulars Projections Projections Projections Projections
2010 2011 2012 2013

1 SOURCES
Profit Before Tax 185.52 230.00 232.10 261.17
Add: Depreciation (net) 32.83 29.54 26.59 76.26
Investment Allowance
Gross Funds generated 218.35 259.54 258.69 337.43
Less Taxes paid/payable 0.00 0.00 0.00 0.00
dividend 50.94 63.69 64.32 68.32
Add: Preliminary Expenses
Prior period adjustments
A. NET FUNDS GENERATED 167.41 195.85 194.37 269.11

INCREASE IN
a) Capital (107.07) (136.54) (166.31) (167.78)
b) TL/Deb/Deb payment 0.00
c) Public Deposit 0.00 0.00 0.00 0.00
d) Other Term Liabilities 0.00 0.00 0.00 0.00

DECREASE IN
a) Fixed Assets 0.00 0.00 0.00 0.00
b) Intercorporate Investment
c) Other Non-current Assets 0.02 0.03 0.02 0.03
d) Intangible assets 0.00 0.00 0.00 0.00
B. SUB TOTAL (107.05) (136.51) (166.29) (167.75)

Increase in Short Term Bank borrowings 0.00 0.00 0.00 0.00

Increase in Other current liabilities 11.77 12.75 0.63 4.00
Decrease in Inventory 0.00 0.00 0.00 0.00
Decrease in receivables 0.00 0.00
Decrease in other C/A 0.67

C. SUB TOTAL 11.77 12.75 0.63 4.67

TOTAL FUNDS AVAILABLE 72.13 72.09 28.71 106.03

2 USES:
Increase in fixed assets 0.00 0.00 0.00 0.00
Decrease in
a) TL/Deb/Def payment 47.28 94.56 47.28 0.00
b) Public Deposit 0.00 0.00 0.00 0.00
c) Capital
d) Other term liabilities 0.00 0.00 0.00 0.00
Increase in Intercorp. Invest-
ments and advances
Increase in Non-C/A
Increase in intangible Assets 0.00 0.00 0.00 0.00
D. SUB TOTAL 47.28 94.56 47.28 0.00
 FUNDS FLOW STATEMENT
Borrower's Name: M/s SKM CONCRETE
Following Year Following Year Following Year Following Year
Particulars Projections Projections Projections Projections
2010 2011 2012 2013
Decrease in
a) Short term bank borrowing 0.00 0.00 0.00 0.00
b) In other current liabilities

Increase in
a) Inventory 0.00 0.00 0.00 0.00
b) In receivables 11.79 11.79 0.00 0.00
c) Other Cur. Assets 3.04 0.71 1.41

E. Sub-Total 14.83 12.50 1.41 0.00

Loss
Less: Inv. Allowance
Depreciation

Bal: Gross funds lost(-)/or

Gross funds generated

Add: Taxes paid/payable

Add: Dividends paid/payable

F. Sub Total 0.00 0.00 0.00 0.00

G. NET FUNDS LOST

(if F is negative)
TOTAL FUNDS USED 62.11 107.06 48.69 0.00

3 SUMMARY

Long term Sources 60.36 59.34 28.08 101.36

(A+B+F, if F is +ive)
Less: Long term uses (D+G) 47.28 94.56 47.28 0.00

Surplus(+) / Deficit (-) 13.08 (35.22) (19.20) 101.36

Short term Sources [C] 11.77 12.75 0.63 4.67

Less: Short Term uses (E) 14.83 12.50 1.41 0.00

Surplus(+) / Deficit (-) (3.06) 0.25 (0.78) 4.67

Diff in TNW
10.02 (34.97) (19.98) 106.03
Borrower's Name: M/s SKM CONCRETE

Projected domestic sales (Net sales) From 01.06.13 to 31.3.14 742.78 (10 Months) From 01.04.14 to 31.03.2015
Projected Export sales From 01.06.13 to 31.3.14
Classification of Industry T/C Following Year Following Year Following Year Following Year
Assumed Projections Projections Projections Projections
Norms 2010 2011 2012 2013
(Months) 1 2 3 3

I CURRENT ASSETS
* Raw materials imported 0.00 0.00 0.00 0.00
(Months consumption)
* Raw materials indigenous 0.00 0.00 0.00 0.00
(Months consumption) 0.00 0.00 0.00 0.00
* Other consumable spares 0.00 0.00 0.00 0.00
(Months consumption) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
* Stocks in Process 0.00 0.00 0.00 0.00
(Months Cost of Production) 0.00 0.00 0.00 0.00
* Finished goods 0.00 0.00 0.00 0.00
(Months Cost of Sales) 0.00 0.00 0.00 0.00
* Receivables - Domestic 94.32 106.11 106.11 106.11
(Months Total sales) (1.33) (1.33) (1.33) (1.33)
* Receivables - Export
(Months Sales)
Advance to suppliers 0.00 0.00 0.00 0.00
Other current Assets 4.73 5.44 6.85 6.18
Total (I) 99.05 111.55 112.96 112.29

II CURRENT LIABILITIES
(Other than bank borrowings)
Creditors for Purchases 0.00 0.00 0.00 0.00
(Months purchase) 0.00 0.00 0.00 0.00
TL instalments 0.00 0.00 0.00 0.00
Advance from Customers 0.00 0.00 0.00 0.00
Accrured Expenses / Provisons 0.00 0.00 0.00 0.00
Statutory liabilities 0.00 0.00 0.00 0.00
Other current Liabilities, incl. Creditors for exp 50.94 63.69 64.32 68.32
Total (II) 50.94 63.69 64.32 68.32
III Working Capital Gap (I-II) 48.11 47.86 48.64 43.97
IV Actual/Projected Bank Borrowings 0.00 0.00 0.00 0.00
V Total Current Liabilities (II + IV) 50.94 63.69 64.32 68.32
VI Actual/Projected Net Working Capital (I-V) 48.11 47.86 48.64 43.97
VII Min. Stipulated Net Working Capital 12.03 11.97 12.16 10.99
(excl. Export Receivables)
VIII Item No III - Item VII 36.08 35.90 36.48 32.98
IX Item No III - Item VI 0.00 0.00 0.00 0.00
X Max. Permissible Bank Finance 0.00 0.00 0.00 0.00
(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 SKM CONCRETE
Following Year Following Year Following Year Following Year Following Year
Estimated Projections Projections Projections Projections
2009 2010 2011 2012 2013

a) Balance Sheet Data /

Capital Structure
Paid up Capital
a) Equity Share Capital 204.41 231.92 261.69 263.16 288.23
b) Preference Share Capital
Reserves & Surplus (Excl.
Revaluation reserves and net of
intangible assets) 0.00 0.00 0.00 0.00 0.00
Tangible Net worth 204.41 231.92 261.69 263.16 288.23
Term Liabilities 330.94 283.66 189.10 141.82 141.82
Capital Employed 535.35 515.58 450.79 404.98 430.05
Net Block 415.30 382.47 352.93 326.34 250.08
Funds Invested outside
Business 0.20 0.18 0.15 0.13 0.10
Current Assets 84.22 99.05 111.55 112.96 112.29
Current Liabilities 39.17 50.94 63.69 64.32 68.32
Net Current Assets 45.05 48.11 47.86 48.64 43.97
Capital Deployed 460.55 430.76 400.94 375.11 294.16
b) Operational Data
Gross Sales 742.78 848.88 955.00 955.00 955.00
Less: Excise / Sales Tax 0.00 0.00 0.00 0.00 0.00
Net Sales 742.78 848.88 955.00 955.00 955.00
Of which exports 0.00 0.00 0.00 0.00 0.00
Other Income (net) (0.60) (0.60) (0.60) (0.60) (0.60)
Manufacturing expenses 431.20 492.80 554.40 554.80 555.80
Adm. & Selling Expenses 86.16 95.64 105.12 111.72 118.12
Depreciation 36.47 32.83 29.54 26.59 14.70
Interest 44.05 41.49 35.34 29.19 4.61
Net Profit before Tax 144.30 185.52 230.00 232.10 261.17
Net Profit After Tax 105.13 134.58 166.31 167.78 192.85
Dividend /intt. & sal. To 39.17 50.94 63.69 64.32 68.32
partners
Profitability Ratio
(NP/Sales) % 14.15 15.85 17.41 17.57 20.19
Net Profit / Capital Employed 19.64 26.10 36.89 41.43 44.84
Stock Turnover ratio (No of #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
times)
Debtor Turnover ratio (No of 9.00 9.00 9.00 9.00 9.00
times)
PAT / TNW 51.43 58.03 63.55 63.76 66.91
Current Ratio 2.15 1.94 1.75 1.76 1.64
DE Ratio (Total Term
Liabilities / Tangible Net worth) 1.62 1.22 0.72 0.54 0.49
DE Ratio (Total outside
Liabilities / Tangible Net worth) 1.81 1.44 0.97 0.78 0.73
Debt Service Coverage Ratio
 ASSESSMENT OF WORKING CAPITAL FINANCE

Borrower's Name: M/s SKM CONCRETE Projections Projections

A. 1 LAST YEAR 2010 2011

A. 1.1 Projected Turnover (Net of Sales Return, etc) 848.88 955.00

A. 1.2 Actual Turnover (Net of Sales Return, etc) 848.88 955.00
A. 1.3 Variance between 1.1 and 1.2 above (in percentage terms) 0.00 0.00
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 48.11 47.86
b) Percentage to 1.2 above 5.67 5.01
A. 2 CURRENT YEAR 2011 2012
Estimates Estimates
A. 2.1 Actual Turnover (Net of Sales Returns, etc) upto the
month previous to the date/month of the instant appraisal 0.00 0.00
A. 2.2 Acceptable turnover for full of the Current Year after 955.00 955.00
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 47.86 48.64
b) Percentage to 2.2 above 5.01 5.09
A. 3 NEXT YEAR 2012 2013
A. 3.1 The Turnover (net of Sales returns, etc) projected by the party 955.00 955.00
A. 3.2 The Turnover considered acceptable by the Appraising autho- 955.00 955.00
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 48.64 43.97
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 47.75 47.75
b) Or the amount as per 3.3 above 48.64 43.97
2011 2012 2013
A. 4 PERMISSIBLE BANK FINANCE (PBF shall be 25% of A 3.2 238.75 238.75 238.75
Minus the amount arrived at under the A 3.4 above) 47.86 48.64 43.97
A. 4.1 Amount of PBF 190.89 190.11 194.78
A. 4.2 Percentage of PBF amount to A 3.2 above 19.99 19.91 20.40
 ASSESSMENT OF WORKING CAPITAL FINANCE

B. COUNTER CHECK ON THE PBF ARRIVED AS PER A.4 ABOVE

Particulars Step Following Year Following Year Following Year Following Year
No Projections Projections Projections Projections
2010 2011 2012 2013
B. 1 PERFORMANCE PARAMETERS
B. 1.1 Average Monthly Sales (I) 70.74 79.58 79.58 79.58
B. 1.2 Less: Average Monthly Exps
B. 1.2.1 Purchase of Raw Materials 40.80 45.90 45.90 45.90
Stores,Stocks in Trade, etc
B. 1.2.2 Power and Fuel 0.00 0.00 0.00 0.00
B. 1.2.3 Wages & Salaries 6.05 6.60 7.15 7.68
B. 1.2.4 Other Mfg. & Business Exps 5.38 5.11 4.59 2.54
B. 1.2.5 Others 0.00 0.00 0.00 0.00
B. 1.2.6 Total Monthly Expenses (II) 52.23 57.61 57.64 56.13
B. 1.3 Monthly Surplus (I - II) 18.51 21.98 21.94 23.46
B. 2 OPERATING CYCLE
B. 2.1 No. of days for which stock of 0 0 0 0
raw material, stores, spares
Stock-in-trade, etc are required
B. 2.2 Average production time required 0 0 0 0
for conversion of raw material
into Finished Goods (in case of
Manufacturing/Processing units)
B. 2.3 Average stocking period for 0 0 0 0
Finished Goods / Stock in Trade
B. 2.4 Average period of credit sales 41 41 41 41
(time taken for realization of
Sale proceeds from tradedebtors)
B. 2.5 TOTAL OPERATING CYC (IV) 40.56 40.56 40.56 40.56
B. 3 APPROXIMATE REQUIREMENT OF WORKING CAPITAL FINANCE
B. 3.1 Gross Working Capital required 70.60 77.87 77.92 75.88
(Step No II) x (Step No IV)
30 days in the Operating Cycle
B. 3.2 Less: Average amount of Sundry 0.00 0.00 0.00 0.00
Creditors, equivalent to
one operating cycle/adv.
from customers for Supplies
B. 3.3 GROSS WORKING CAPITAL REQUIREME 70.60 77.87 77.92 75.88
B. 3.4 Less: Amount that is/can be con- 48.11 47.86 48.64 43.97
tributed by the Borrower
towards margin for W / C
from the Banking System
B. 3.5 Approximate requirement of Work- 22.49 30.01 29.28 31.90
ing Capital Finance from the
Banking System, i.e., B. 3.3 (-)
B. 3.4 above.
ACTUAL PROJECTED BANK BORROWINGS 0.00 0.00 0.00 0.00
 MAHARAJA COAL WAHERY
Coal Crusher (5 Lac Tonne Per Annum)

Schedule F 10
SCHEDULE SHOWING COMPUTATION OF INTEREST & REPAYMENT SCHEDULE
ROI 14.50% Rs. in Lacs
Nos of
quarter Quarter
Year Qtr Loan Amount Repayment Balance Interest Interest p.a.
starting
1 2015 I 10.00 0.50 9.50 0.34 0.34 Apr-13
2 II 9.50 0.50 9.00 0.33 Jul-13
3 III 9.00 0.50 8.50 0.31 Oct-13
4 2016 IV 8.50 0.50 8.00 0.30 1.22 Jan-14
5 I 8.00 0.50 7.50 0.28 Apr-14
6 II 7.50 0.50 7.00 0.26 Jul-14
7 III 7.00 0.50 6.50 0.24 Oct-14
8 2017 IV 6.50 0.50 6.00 0.23 0.94 Jan-15
9 I 6.00 0.50 5.50 0.21 Apr-15
10 II 5.50 0.50 5.00 0.19 Jul-15
11 III 5.00 0.50 4.50 0.17 Oct-15
12 2018 IV 4.50 0.50 4.00 0.15 0.65 Jan-16
13 I 4.00 0.50 3.50 0.14 Apr-16
14 II 3.50 0.50 3.00 0.12 Jul-16
15 III 3.00 0.50 2.50 0.10 Oct-16
16 2019 IV 2.50 0.50 2.00 0.08 0.36 Jan-17
17 I 2.00 0.50 1.50 0.06 Apr-17
18 II 1.50 0.50 1.00 0.05 Jul-17
19 2020 III 1.00 0.50 0.50 0.03 0.09 Oct-17
20 IV 0.50 0.50 0.00 0.01 Jan-18
DEP

8186.00 15.00 1227.90 6958.10

1046019.00 15.00 156902.85 889116.15
781.00 60.00 468.60 312.40
1045.00 15.00 156.75 888.25
23637.00 10.00 2363.70 21273.30
35312.00 15.00 5296.80 30015.20
1114980.00 130.00 166416.60 948563.40

6958.10 15.00 1043.72 5914.39

889116.15 15.00 133367.42 755748.73
312.40 60.00 187.44 124.96
888.25 15.00 133.24 755.01
21273.30 10.00 2127.33 19145.97
30015.20 15.00 4502.28 25512.92
948563.40 130.00 141361.43 807201.98