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    NBFC Business Plan

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    Vishnu Upadhyay
    XYZ is a non-banking financial company that provides loans to corporates and individuals, as outlined in their 4-year business plan from 2011-2015 which projects loan amounts, interest rates, expenses, profits and other financial details like expected cash flows and balance sheets for each year. The document outlines assumptions about capital availability, loan amounts, interest rates, repayment terms and projected profit and loss statements as well as balance sheets for the 4-year period.

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    Download as XLS, PDF, TXT or read online from Scribd

    NBFC Business Plan

    Uploaded by

    Vishnu Upadhyay
    4K views6 pages
    XYZ is a non-banking financial company that provides loans to corporates and individuals, as outlined in their 4-year business plan from 2011-2015 which projects loan amounts, interest rates, expenses, profits and other financial details like expected cash flows and balance sheets for each year. The document outlines assumptions about capital availability, loan amounts, interest rates, repayment terms and projected profit and loss statements as well as balance sheets for the 4-year period.

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    XYZ is a non-banking financial company that provides loans to corporates and individuals, as outlined in their 4-year business plan from 2011-2015 which projects loan amounts, interest rates, expenses, profits and other financial details like expected cash flows and balance sheets for each year. The document outlines assumptions about capital availability, loan amounts, interest rates, repayment terms and projected profit and loss statements as well as balance sheets for the 4-year period.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as XLS, PDF, TXT or read online from Scribd
    Download as xls, pdf, or txt
    4K views6 pages

    NBFC Business Plan

    Uploaded by

    Vishnu Upadhyay
    XYZ is a non-banking financial company that provides loans to corporates and individuals, as outlined in their 4-year business plan from 2011-2015 which projects loan amounts, interest rates, expenses, profits and other financial details like expected cash flows and balance sheets for each year. The document outlines assumptions about capital availability, loan amounts, interest rates, repayment terms and projected profit and loss statements as well as balance sheets for the 4-year period.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as XLS, PDF, TXT or read online from Scribd
    Download as xls, pdf, or txt
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    XYZ

    Business Plan
    For the Financial Years 2011-12 to 2014-15
    Back Ground

    XYZ) is a non-banking financial company (NBFC). It got the certificate of the


    incorporation on .................. In ......., the promoters of Volition Credit & Holdings
    Private Limited

    Company's Registered/Corporate Office at


    ________________________________________________________________

    XYZ is a Loan Conmpany basically to provide loan to corporates and individuals.

    Mr. ______________ and Mr. _____________, Directors of the Company.

    Mr. ___________________ is managing the business of the Company designated


    as ___________________.
    XYZ

    Assumptions

    Particulars FY 2011-12 FY 2012-13 FY 2013-14 FY 2014-15

    CAPITAL AVAILABLE FOR INVESTMENT 20.00

    CASH BALANCE KEPT 1.00

    Loan Taken RS in Lac - 25.00 30.00 35.00

    Cumulative - 25.00 55.00 90.00

    Loan Given 19.00 25.00 30.00 35.00

    Cumulative 19.00 44.00 74.00 109.00

    Loan Term/Duration Year 5 5 5 5

    Loan Amount % 100% 100% 100% 100%

    Interest Rate % 20 20 20 20

    Repayment after 5 Years After 5 Yrs After 5 Yrs After 5 Yrs After 5 Yrs

    Administrative Expenses % 4 4 4 4

    Interest and Financial Charges % 13 13 13 13

    Provision for Loan Loss 0.5% 0.5% 0.5% 0.5%

    Income Tax 33.33% 33.33% 33.33% 33.33%

    Reserve Fund u/s 45IC 20% 20% 20% 20%


    XYZ

    PROJECTED PROFIT AND LOSS ACCOUNT FOR THE FY 2011-12 TO FY 2014-15


    ( Amount Rs in Lac)
    Particulars Projected

    FY 2011-12 FY 2012-13 FY 2013-14 FY 2014-15

    Income
    Interest Received 3.80 8.80 14.80 21.80
    Other Income (Commission etc.)
    TOTAL 3.80 8.80 14.80 21.80

    EXPENDITURE
    Interest Paid and Financial Charges - 3.25 7.15 11.70
    Administrative Expenses 0.76 1.76 2.96 4.36

    TOTAL 0.76 5.01 10.11 16.06


    Profit before tax and provisions 3.04 3.79 4.69 5.74
    Provision for Loan Loss 0.10 0.22 0.37 0.55
    Tax 0.98 1.19 1.44 1.73
    Profit after tax 1.96 2.38 2.88 3.46
    Add: Brought forward Profit/(Loss) for the Last Year - 1.57 3.47 5.78
    Profit After Previous year Adjustment 1.96 3.95 6.35 9.24
    Reserve Fund u/s 45IC 0.39 0.48 0.58 0.69
    Profit/Loss Carried to Balance Sheet 1.57 3.47 5.78 8.55
    XYZ

    PROJECTED BALANCE SHEET FOR THE FY 2011-12 TO FY 2014-15


    ( Amount Rs in Lac)

    Particulars Projected
    FY 2011-12 FY 2012-13 FY 2013-14 FY 2014-15
    I. SOURCES OF FUNDS:
    Shareholders' Funds:
    Capital 50.00 50.00 50.00 50.00
    Resurves 0.39 0.87 1.44 2.14
    Cumulative Surplus 1.57 3.47 5.78 8.55
    Long Term Borrowings - 25 55 90

    Provision for Loan Loss 0.10 0.32 0.69 1.23

    TOTAL 52.06 79.66 112.91 151.92

    II. APPLICATION OF FUNDS:


    Current Assets, Loans and Advances:
    (a) Cash and bank balances 33.06 35.66 38.91 42.92

    (b) Loans and Advances 19.00 44.00 74.00 109.00


    52.06 79.66 112.91 151.92
    Less: Current Liablities and Provisions:
    Liablities - - - -
    Net Current Assets 52.06 79.66 112.91 151.92

    Profit & Loss Account - - -

    TOTAL 52.06 79.66 112.91 151.92

    - - - -
    (1)
    XYZ

    PROJECTED CASH FLOW FOR THE FY 2011-12 TO FY 2014-15

    Particulars Projected

    FY 2011-12 FY 2012-13 FY 2013-14 FY 2014-15

    Opening cash & Bank Balances - 33.06 35.66 38.91


    Capital 50.00
    Profit before tax and provisions 3.04 3.79 4.69 5.74
    Loan Received - 25.00 30.00 35.00
    -

    Total Inflow 53.04 61.85 70.35 79.65

    Loan Given 19.00 25.00 30.00 35.00

    Other Liabilities Paid


    Tax Paid 0.98 1.19 1.44 1.73

    Total Outflow 19.98 26.19 31.44 36.73

    Closing Balance 33.06 35.66 38.91 42.92


    XYZ
    (Formerly known as Bhageria Credit and Holding Private Limited)

    PROJECTED LOAN AND INTEREST FOR THE FY 2011-12 TO FY 2014-15

    Particulars FY 2011-12 FY 2012-13 FY 2013-14 FY 2014-15

    - 19.00 44.00 74.00


    Opening Loan (Assets)
    19.00 25.00 30.00 35.00
    Loan Given During the Year by 1st day
    19.00 44.00 74.00 109.00
    Closing Loan (Assets)
    - - 25.00 55.00
    Opening Loan (Liabilities)
    - 25.00 30.00 35.00
    Loan Taken During the Year
    - 25.00 55.00 90.00
    Closing Loan (Liabilities)
    3.80 8.80 14.80 21.80
    Interest Received
    - 3.25 7.15 11.70
    Interest Paid

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