PROJECT REPORT

VIKAS FASHION

ANNEXURE 1 COST OF PROJECT & MEANS OF FINANCE

ANNEXURE 2 BALANCE SHEET

ANNEXURE 3 PROFIT & LOSS ACCOUNT

ANNEXURE 4 WORKING CAPITAL ANALYSIS

ANNEXURE 5 CASH FLOW STATEMENT

ANNEXURE 6 RAW MATERIAL & CONSUMPTION

ANNEXURE 7 DEPRECIATION SCHEDULE

ANNEXURE 8 TERM LOAN REPAYMENT SCHEDULE

ANNEXURE 9 ANALYSIS OF KEY RATIOS

 ANNEXURE 1

VIKAS FASHION

A COST OF PROJECT Total Margin Bank Loan Contribution

Total Machinery, Equipment and 0 0.00% 0 0

Vehicle Cost
###
Total Cost of Project & Means Of Finance 0 0 0

###
###
Detail of the Machinery to be installed
Cost Per
Srn. Particular No. Supplier Name Amount
Machine

"SIMPLEX" Make Heavy Duty V-Belt

1 Drive Lathe Machine, Planner Type Bed
Equipped with Semi Norton Box.
NEWMAX
1 - ENGINEERS
-
2
Specification : Length Bed all over 36
Feet / 10970mm
3

Total -
 ANNEXURE-2
VIKAS FASHION
BALANCE SHEET AS ON

PARTICULARS ACTUAL PROVISONA PROJECTED

2021-22 2022-23 2023-24 2024-25 2025-26

SOURCE OF FUND

CAPITAL 10.23 10.23 16.31 18.34 21.10

ADDITION 0.00 0.00 0.00 0.00 0.00
PROFIT FOR THE PERIOD 0.00 6.08 7.03 7.76 8.84
DELITION 0.00 0.00 5.00 5.00 5.00
CLOSING 10.23 16.31 18.34 21.10 24.94
Secured Loan LOAN 15.45 11.25 8.26 4.95 1.30
Unsecured Loan 0.00 0.00 0.00 0.00 0.00
Cash Credit Limit 0.00 0.00 5.00 5.00 5.00

TOTAL A 25.68 27.57 31.60 31.06 31.24

APPLICATION OF FUNDS

FIXED ASSETS
GROSS BLOCK 15.10 15.10 15.10 15.10 15.10
LESS : DEPRECIATION 0.00 2.00 1.50 1.13 0.84
NET BLOCK 15.10 13.10 13.60 13.97 14.26

INVESTMENTS 2.51 2.51 2.51 2.51 6.51

NET CURRENT ASSETS 8.07 11.96 15.50 14.57 10.48
MISCELLANEOUS EXP. 0.00 0.00 0.00 0.00 0.00
NON CURRENT ASSETS 0.00 0.00 0.00 0.00 0.00

TOTAL B 25.68 27.57 31.60 31.06 31.24

CURRENT ASSETS, LOANS AN 0.00 0.00 0.00 0.00 0.00
INVENTORIES 0.00 1.35 2.36 4.25 6.36
SUNDRY DEBTORS 4.12 4.54 6.94 7.00 8.25
LOAN & ADVANCES 0.00 0.00 0.00 0.00 0.00
CASH & BANK BALANCE 3.95 2.24 2.43 2.59 2.66
OTHER CURRENT ASSETS 0.00 8.54 9.51 9.46 3.41
TOTAL (A) 8.07 16.67 21.24 23.30 20.68
CURRENT LIABILITIES
SUNDRY CREDITORS 0.00 1.50 2.00 2.26 3.09
LIABILITY FOR EXP. 0.00 0.50 0.75 0.81 0.96
OTHER CURRENT Liabities 0.00 2.71 2.99 3.31 3.65
PROVISION 0.00 0.00 0.00 2.35 2.50
TOTAL (B) 0.00 4.71 5.74 8.73 10.20

NET CURRENT ASSETS (A-B)

Excluding Cash & bank 8.07 11.96 15.50 14.57 10.48
 ANNEXURE-3
VIKAS FASHION

PROFIT & LOSS ACCOUNT

PARTICULARS ACTUAL PROVISONA PROJECTED

2021-22 2022-23 2023-24 2024-25 2025-26

INCOME

Sales 12.56 15.70 19.63 24.53 30.66

Other Income 0.12 0.15 0.19 0.23 0.29

Total Income a 12.68 15.85 19.81 24.77 30.96

Cost of Production

Purchase 2.23 2.90 3.62 4.53 5.66

Direct Expenses b 1.39 4.17 6.26 10.95 15.54

Add: Opening Stock c 0.00 0.00 1.35 2.36 4.25

Less: Closing stock d 0.00 1.35 2.36 4.25 6.36

Cost of Production 3.62 5.72 8.87 13.59 19.10

e=b+

Gross Profit c-d 9.06 10.13 10.94 11.18 11.86

Less: Indirect Exps.
Depreciation f 2.67 2.00 1.50 1.13 0.84

Selling, Distribution & Administra g 0.41 0.51 0.64 0.80 1.00

Total Indirect Expenses h=f+g 3.08 2.52 2.14 1.93 1.85

PBIT i=e-h 5.98 7.62 8.80 9.25 10.02

PBIT 5.98 7.62 8.80 9.25 10.02

Finance Charges
Interest on TL (New) 0.00 1.53 1.27 0.99 0.68
Interest on Cash Credit 0.00 0.00 0.50 0.50 0.50
Total Finance Charges 0.00 1.53 1.77 1.49 1.18

Profit Before Tax 5.98 6.08 7.03 7.76 8.84

Tax on Profit 0.00 0.00 0.00 0.00 0.00

Net Profit 5.98 6.08 7.03 7.76 8.84

 ANNEXURE 7
VIKAS FASHION

DEPRECIATION SCHEDULE

2016-17 2017-18 2018-19 2019-20 2020-21 2021-22 2022-13 2023-14

Particulars Rate of Dep.
Op.balance Addition Dep. W.D.V. Dep. W.D.V. Dep. W.D.V. Dep. W.D.V. Dep. W.D.V. Dep.

New
15% - - - - - - - - - - - - - - - - -
Machinery

Total - - - - - - - - - - - - - - - - -
 ANNEXURE 3
VIKAS FASHION

PROFIT & LOSS ACCOUNT

FIGURES IN RS. LACS
PARTICULARS Actual Actual Estimated PROJECTED
2007-08 2008-09 #REF! #REF! #REF! #REF! 2020-21 2014-15

INCOME `

Sales 2.3 16.08 #REF! 15.70 19.63 30.66 #REF! #REF!

Other Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Total Income a 2.3 16.08 #REF! 15.70 19.63 30.66 #REF! #REF!

Cost of Production

Direct Expenses b 1.05 10.54 #REF! #REF! #REF! #REF! #REF! #REF!

Add: Opening Stock c 0.00 0.00 0.00 3.62 0.11 0.26 #REF! #REF!
Less: Closing stock d 0.00 0.00 3.62 0.11 0.26 #REF! #REF! #REF!

Cost of Production 1.05 10.54 #REF! #REF! #REF! #REF! #REF! #REF!
Gross Profit e=b+c-d 1.25 5.54 #REF! #REF! #REF! #REF! #REF! #REF!
Less: Indirect Exps.
Depreciation f 1.2 #REF! 0.00 0.00 0.00 0.00 0.00

Selling, Distribution &

Administrative Expenses g 0.2 1.44 2.76 3.04 3.34 3.67 4.04 4.45

Total Indirect Expenses h=f+g 0.20 2.64 #REF! 3.04 3.34 3.67 4.04 4.45

PBIT i=e-h 1.05 2.9 #REF! #REF! #REF! #REF! #REF! #REF!

PBIT 1.05 2.90 #REF! #REF! #REF! #REF! #REF! #REF!

Finance Charges
Interest on TL (New) 0.00 0.00 1.29 1.76 #REF! 1.53 1.27 #VALUE!
Interest on TL (Old) 0.00 0.26 0.20 0.17 0.15 0.09 0.00 0.00
Interest on WC 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Total Finance Charges 0.00 0.26 1.49 1.93 #REF! 1.62 1.27 #VALUE!

Profit Before Tax 1.05 2.64 #REF! #REF! #REF! #REF! #REF! #REF!

Tax on Profit 0.00 0.12 #REF! #REF! #REF! #REF! #REF! #REF!

Net Profit 1.05 2.64 #REF! #REF! #REF! #REF! #REF! #REF!
Drawing 0.00 0.5 1.00 1.50 2.00 2.50 3.00
Profit Carried to Capital A/C 1.05 2.64 #REF! #REF! #REF! #REF! #REF! #REF!
 VIKAS FASHION

WORKING CAPITAL ANALYSIS

PROJECTED
PARTICULARS
Sl. 2021-22 2022-23 2023-24 2025-26
15.28 0.30 0.77 1.00
1 Raw Material 3.62 0.11 0.26 0.34
2 WIP 3.10 0.10 0.15 0.19
3 Finished Good 8.56 0.10 0.36 0.47
4 Book Debts 22.86 4.37 3.72 4.65
Total 38.14 4.67 4.49 5.65

Less Sundry Creditors 0.22 0.29 0.36 0.57

Less Sundry Creditors for
Expenses 0.14 0.42 0.63 1.55
Working Capital Required
37.78 3.97 3.50 3.53

Sl. PARTICULARS 2021-22 2022-23 2023-24 2025-26

1 Raw Material 35 35 35 35
2 WIP 30 30 20 20
3 Finished Good 75 30 30 20
4 Book Debts 180 105 88 88
5 Monthly Expenses 30 30 30 30
6 Sundry Creditors 30 30 30 30
 VIKAS FASHION

CASH FLOW STATEMENT FOR THE PERIOD ENDED

PROJECTED
Sr. PARTICULARS
2021-22 2022-23 2023-24 2025-26

A. SOURCES OF FUND
Net Profit Before Tax & Interest 5.98 7.62 8.80 10.02
Capital & Subsidy
Depreciation 0.00 0.00 0.00 0.00
Fresh Term Loan from Bank 0.00 0.00 0.00 0.00
Increase in W.C. Loan from bank 0.00 0.00 0.00 0.00
Fresh Proprietors contibution 0.00 0.00 0.00 0.00
Increase in Creditors 1.50 0.50 0.26 0.83
Increase in Liability for Exps. 0.20 0.00 0.50 0.25
7.68 8.12 9.56 11.10

B. APPLICATION OF FUNDS
Purchase of Fixed Assets 0.00 0.00 0.00 0.00
Increase in current Assets
Inventory 1.35 1.01 1.89 2.11
Book Debts 0.42 2.40 0.06 1.25
Payment of Term Loan 1.36 2.22 2.45 2.71
Payment of Housing Loan 0.00 0.00 0.00 2.99
Investments 0.00 0.00 0.00 0.00
Interest 0.00 0.00 0.50 0.50
Tax 0.00 0.00 0.00 0.00
3.13 5.63 4.90 9.56

Balance B/F 3.95 2.24 2.43 2.59

Drawing 3.00 3.00 3.00 3.00
Balance C/F 5.50 1.73 4.09 1.12
 VIKAS FASHION

RAW MATERIAL & CONSUMPTION

STATEMENT SHOWING YEARLY SALES

Financial Year 2021-22 2022-23 2023-24 2025-26

No. of Months in a year

2 12 12 12

No. of Units Produce per

1,000 1,000 1,000 1,000
Year
Average Rate Per Unit
6,000 6,000 6,000 6,000

Monthly Sales at Full

1,000,000 6,000,000 6,000,000 6,000,000
Capacity Utilisation
Actual Capacity utilisation
50% 65% 60% 65%

Yearly Sales in lacs from

500,000.00 3,900,000.00 3,600,000.00 3,900,000.00
new machine
Existing Business Sale
5,000,000.00 6,000,000.00 7,200,000.00 7,920,000.00

Yearly Sales in lacs (A)

12.56 15.70 19.63 30.66
 ANNEXURE 6
COST ELEMENTS

Financial Year 2015-16 2022-23 2023-24 2025-26

Direct Expenses
Total Sale Rs. 12.56 15.70 19.63 30.66
Raw Material Rs. 1.26 9.42 11.78 18.40
Power Rs. 0.00 0.00 0.00 0.00
Labour Rs. 0.00 0.00 0.00 0.00
Transportation Rs. 0.00 0.00 0.00 0.00

Statement showing Direct Labour and Wages for Projected Years

No. of Monthly Salary Annual

Production Staff Perso Salary
n
Factory Manager 1 18,000 216,000
Skilled 2 12,000 288,000
Unskilled 2 8,000 192,000
Packaging Expenses 5,000 60,000
Other 15,000 180,000
936,000
Value in Lacs Rs. 9.36
Note: 1) Direct labour & wages for every year is taken with a 10% increase.

Statement Showing Selling, Distribution & Administrative Expenses for Projected Year
Monthly Annual
Administrative Staff Salary

Staff
Cleark 1 13,000 156,000
Security Staff 1 5,000 60,000
Other Expenses 5,000 60,000
Value in Rs. 276,000
Value in Lacs Rs. 2.76
Note: 1) S & D, Administration Expenses for every year is taken with a 5% increase.
 CMA REPORT OF
Name of the Borrower: M/s. Ganesh Plast Mould

Name of the Borrower: M/s. Ganesh Plast Mould

Name of Proprietor

Mr. Naresh Patel

Plant Address C/1/12/C, G.I.D.C ESTATE

Opposite Tirpada Estate
B/S Ambica Nagar
Odhav
Ahmedabad 382415

Office Address C-18 Muktanand Park

Ramol Road Ahmedabad

Contents 1. Operating Statement

2. Analysis of Balance Sheet

3. Financial High Lights of Ratios

4. Calculation of DSCR
 FORM I
ASSESSMENT OF WORKING CAPITAL REQUIREMENTS
Name of the Borrower: M/s. Ganesh Plast Mould

Particulars of the existing/proposed limits from the Banking System

Amount Rs. In Lacs

Sr. No. Name of Bank/ Nature of facility Existing Limits now

Financial Institution facility requested

(1) (2) (3) (4) (5)

A. WORKING I) Fund Based 00.00

5.00
CAPITAL LIMIT a) Cash Credit Total (I) 00.00

II) Non Fund Based

a) Foreign letter of credit (DA) Limit 00.00
00.00
b) Inland Bank Gurantee Limit 00.00
Total (II) 00.00 00.00
 FORM II - OPERATING STATEMENT

Name of the Borrower: M/s. Ganesh Plast Mould

ACTUAL PROJECTED
2021-22 2022-23 2023-24 2024-25 2025-26 2026-27 2027-28
1 GROSS INCOME
i) Sales (Net of Returns)
a) Domestic Sales 12.56 15.70 19.63 24.53 30.66 38.33 47.91
b) Export Sales 0.00 0.00 0.00 0.00 0.00 0.00 0.00
c) Sub - Total (a+b) 12.56 15.70 19.63 24.53 30.66 38.33 47.91
d) % age rise [+] or fall [-] in net

NA 25.00% 25.00% 25.00% 25.00% 25.00% 25.00%

2 Total (i) 12.56 15.70 19.63 24.53 30.66 38.33 47.91

COST OF SALES
a) Purchases & Other Trading
Exp 3.62 7.07 9.88 15.48 21.21 27.15 34.51

3 d) Sub Total ( a+b) 3.62 7.07 9.88 15.48 21.21 27.15 34.51

4 Add:- Opening Stock 0.00 0.00 1.35 2.36 4.25 6.36 8.50

5 Less:- Closing Stock 0.00 1.35 2.36 4.25 6.36 8.50 10.27

6 GROSS PROFIT ( 2+5)-(3+4) 8.94 9.98 10.76 10.95 11.57 13.32 15.18

7 Other Income /Expenses 0.12 0.15 0.19 0.23 0.29 0.37 0.46

8 Selling General and Administrative

Expenses 0.41 0.51 0.64 0.80 1.00 1.20 1.44

9 Operating Profit (6-7) 8.65 9.62 10.30 10.38 10.86 12.49 14.19
(before interest and depreciation)

10 Interest 0.00 0.00 1.53 1.77 1.49 1.18 0.83

11 Depreciation 2.67 2.00 1.50 1.13 0.84 0.63 0.48

12 Operating Profit (8-9-10) 5.98 7.62 7.27 7.48 8.52 10.68 12.89

(after interest and depreciation)

13 Extra Ordinary item 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 Profit Before Tax/Loss (11+12) 5.98 7.62 7.27 7.48 8.52 10.68 12.89

15 Taxes On Profit 0.00 0.00 0.00 0.00 0.00 1.10 1.32

16 Net Profit (13-14) 5.98 7.62 7.27 7.48 8.52 9.57 11.57
17 Drawing During the Year 0.00 0.00 0.00 0.00 0.00 0.00 0.00
18 Retained Profit 5.98 7.62 7.27 7.48 8.52 9.57 11.57
19 Retained Profit / Net Profit 100.00 100.00 100.00 100.00 100.00 100.00 100.00
 FORM III - ANALYSIS OF BALANCE SHEET
Name of the Borrower: M/s. Ganesh Plast Mould

Sr.
Particular ACTUAL ESTIMATED PROJECTED
No
2021-22 2022-23 2023-24 2024-25 2025-26 2026-27 2027-28
CURRENT LIABILITIES

1 Short-term borrowings from Bank Bills

purchased,
discounted and borrowings placed on
repayment

i) From Applicant Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00
ii) From other Banks 0.00 0.00 0.00 0.00 0.00 0.00 0.00
iii) (of which BP and BD) 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Sub Total (A) 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 Short term borrowings from others 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 Sundry Creditors (Trade) IND RM 0.00 1.50 2.00 2.26 3.09 5.58 6.27
For Exp. 0.00 0.50 0.75 0.81 0.96 1.13 1.36

4 Advance payments from customer/

0.00 0.00 0.00 0.00 0.00 0.00 0.00
deposits from dealers

5 Provision for Taxation TDS 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 Dividend Payable 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 Other statutory Liabilities (due within

0.00 0.00 0.00 0.00 0.00 0.00 0.00
one year)

8 Deposits/ Installments of term loans/

dpgs/ debentures, etc. 0.00 2.71 2.99 3.31 3.65 1.30 0.00
(due within one year)

9 Other current liabilities and provisions

(due within one year) (Specify major
items) 0.00 0.00 0.00 2.35 2.50 3.00 1.00

Sub Total (B) 0.00 4.71 5.74 8.73 10.20 11.01 8.63

10 TOTAL CURRENT LIABILITIES 0.00 4.71 5.74 8.73 10.20 11.01 8.63
(TOTAL OF 1 TO 9)
 TERM LIABILITIES

11 Debentures (not maturing within one yea 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 Preference Shares (excluding

0.00 0.00 0.00 0.00 0.00 0.00 0.00
redeemable within 1 year)

13 Loans (including installments payable

15.45 11.25 8.26 4.95 1.30 0.00 0.00
within one year)

14 Deferred Payment Credits (excluding

installments
due within one year) (a) For Material 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(b) For Expenses

0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 Cash Credit 0.00 0.00 5.00 5.00 5.00 5.00 5.00

16 Other term liabilities Creditors for

0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capital Goods

17 TOTAL TERM LIABILITIES 15.45 11.25 13.26 9.95 6.30 5.00 5.00
(Total of 11 to 16)

18 TOTAL OUTSIDE LIABILITIES (10 to 15.45 15.96 19.00 18.68 16.50 16.01 13.63

NET WORTH

19 Capital 10.23 10.23 16.31 18.34 21.10 24.94 29.86

20 General Reserves 0.00 0.00 0.00 0.00 0.00 0.00 0.00

21 Revaluation Reserve 0.00 0.00 0.00 0.00 0.00 0.00 0.00

22 Investment Allowance Reserves 0.00 0.00 0.00 0.00 0.00 0.00 0.00

23 Surplus (+) or deficit (-) in Profit &

0.00 6.08 7.03 7.76 8.84 9.92 11.87
Loss Account

24 Withdrawl 0.00 0.00 -5.00 -5.00 -5.00 -5.00 -5.00

24 NET WORTH 10.23 16.31 18.34 21.10 24.94 29.86 36.73

25 TOTAL LIABILITIES (18 + 24) 25.68 32.28 37.35 39.78 41.45 45.87 50.36
 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CURRENT ASSETS

26 Cash and Bank balances 3.95 2.24 2.43 2.59 2.66 2.73 2.94

27 Investments (other than long term

investments)
i) Govt. & Other Trustee securities 0.00 0.00 0.00 0.00 0.00 0.00 0.00
ii) Fixed Deposits with bank for LC
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Margin/BG

28 i) Receivable other than deferred and

exports
(including bills purchased/ discounted 0.00 0.00 0.00 0.00 0.00 0.00 0.00
by banks)

ii) Export receivable (including bills

purchased/ 0.00 0.00 0.00 0.00 0.00 0.00 0.00
discounted by banks)

29 Installment of deferred receivables (due

4.12 4.54 6.94 7.00 8.25 8.43 9.54
within one year)

30 Inventory:
i) Raw materials (including other items
used
in the process & manufacture)
0.00 0.00 0.00 0.00 0.00 0.00 0.00
i) Work in process 0.00 0.00 0.00 0.00 0.00 0.00 0.00

ii) Stock-in-process 0.00 0.00 0.00 0.00 0.00 0.00 0.00

iii) Finished goods 0.00 1.35 2.36 4.25 6.36 8.50 10.27

iv) Other consumable spares

a) Imported 0.00 0.00 0.00 0.00 0.00 0.00 0.00
b) Indigeneous 0.00 0.00 0.00 0.00 0.00 0.00 0.00

31 Advances to suppliers of raw materials

0.00 0.00 0.00 0.00 0.00 0.00 0.00
& stores/ spares

32 Advance payment of taxes 0.00 0.00 0.00 0.00 0.00 0.00 0.00

33 Other current assets 0.00 8.54 9.51 9.46 3.41 2.24 2.48

34 TOTAL CURRENT ASSETS

8.07 16.67 21.24 23.30 20.68 21.90 25.23
(Total of 26 to 33)

8.07 16.67 21.24 23.30 20.68 21.90 25.23

 FIXED ASSETS
35 Gross Block 15.10 15.10 15.10 15.10 15.10 15.10 15.10

36 Depriciation for the year 0.00 2.00 1.50 1.13 0.84 0.63 0.48

37 NET BLOCK (35-36) 15.10 13.10 13.60 13.97 14.26 14.47 14.62

OTHER NON - CURRENT ASSETS

38 Investments/ Book - debts/ Advances
which are not Current Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00

i) (a) Investments 2.51 2.51 2.51 2.51 6.51 9.51 10.51

(b) Bank FDR's for more than 12
0.00 0.00 0.00 0.00 0.00 0.00 0.00
months
ii) Advances to suppliers of goods and
0.00 0.00 0.00 0.00 0.00 0.00 0.00
contractors
iii) Deferred receivables (not exceeding
0.00 0.00 0.00 0.00 0.00 0.00 0.00
one year)
iv) Others

39 Non - consumable stores and spares 0.00 0.00 0.00 0.00 0.00 0.00 0.00

40 OTHER NON-CURRENT ASSETS: 0.00 0.00 0.00 0.00 0.00 0.00 0.00
P & L Appropriation A/C

41 TOTAL NON-CURRENT ASSETS 2.51 2.51 2.51 2.51 6.51 9.51 10.51
(Total of 38 to 40)

42 Intangible asstes (Patents, goodwill

prelim. Expenses,
bad/ doubtful debt not proviede for, 0.00 0.00 0.00 0.00 0.00 0.00 0.00
etc.)

43 TOTAL ASSETS (34+37+41+42) 25.68 32.28 37.35 39.78 41.45 45.88 50.36

44 TANGIBLE NET WORTH (24-42) 10.23 16.31 18.34 21.10 24.94 29.86 36.73

45 NET WORKING CAPITAL 8.07 11.96 15.50 14.57 10.48 10.89 16.60
[(17+24)-(37+41+42) to tally with (34-1 8.07 11.96 15.49 14.57 10.48 10.89 16.60

46 Current Ratio (Items 34/10) 0.00 3.54 3.70 2.67 2.03 1.99 2.92

47 Total Outside Liabilities/ Tangible net

worth (18/44)
(Unsecured loans treated as a Quasi 1.51 0.98 1.04 0.89 0.66 0.54 0.37
Equity)
(Unsecured loans treated as a Quasi
1.51 0.98 0.60 0.52 0.38 0.32 0.21
Equity)
ADDITIONAL INFORMATION:
Contingent Liabilities:
i) Arrears of cumulative dividends
ii) Gratuity liability not provided for
iii) Disputed excise/ customs/ tax liabilities
iv) Other liabilities not provided for
 FORM IV
ANALYSIS OF BALANCE SHEET
Name of the Borrower: M/s. Ganesh Plast Mould

Sr Particular ACTUAL PROVISION PROJECTED

2021-22 2022-23 2023-24 2024-25 2025-26 2026-27

A. CURRENT ASSETS

1 Raw materials (including stores & other items

used in the process of manufacture)
a) Imported 0.00 0.00 0.00 0.00 0.00 0.00
months consumption
b) Indigenenous 0.00 0.00 0.00 0.00 0.00 0.00
months consumption

2 Other consumable spares excluding those included in 1

above
a) imported: 0.00 0.00 0.00 0.00 0.00 0.00
months consumption
b) indigenous: 0.00 0.00 0.00 0.00 0.00 0.00
months consumption

3 Stock in Process: 0.00 0.00 0.00 0.00 0.00 0.00

months cost of production

4 Finished goods 0.00 0.00 1.35 2.36 4.25 6.36

months cost of sales (days) 0 0 0 0 0 0
(Avg.stock *365/ cost of sale)
5 Receivables other than export & deferred receivables
(including bills purchased & discounted by bankers)

4.12 4.54 6.94 7.00 8.25 8.43

Months domestic sales: (days)

excluding deferred payment sales:
(Drs * 365 / sales)
6 Export receivables (including bills purchased & discounted
by banks) 0.00 0.00 0.00 0.00 0.00 0.00

Months export sales

7 Advances to suppliers of raw materials & stores/ spares

cosumables 0.00 0.00 0.00 0.00 0.00 0.00

8 Other current assets including cash & bank balance &

deferred receivables due within one year
3.95 2.24 2.43 2.59 2.66 2.73

9 TOTAL CURRENT ASSETS 8.07 6.78 10.72 11.95 15.16 17.52

To agree with item 34 in Form III
B. CURRENT LIABILITIES
(Other than bank borrowings for working capital)

10 Creditors for purchase of raw materials, stores & 0.00 1.50 2.00 2.26 3.09 5.58
consumable spares
months purchase: (days) 0.00 0.50 0.75 0.81 0.96 1.13
(crs *365/purchase)
Provision for Taxation 0.00 0.00 0.00 0.00 0.00 0.00

11 Advances from customers 0.00 0.00 0.00 0.00 0.00 0.00

12 Statutory Liabilities 0.00 0.00 0.00 0.00 0.00 0.00

13 Other current liabilities (specify major items) Short term 0.00 0.00 2.71 2.99 3.31 3.65
borrowings,
unsecured loans, dividend payable, installments of TL,
DPG,
Public deposits debenture, etc.

TOTAL CURRENT LIABILITIES 0.00 2.00 5.46 6.06 7.36 10.36

(To agree with sub total B-Form III)
 FORM IV
LYSIS OF BALANCE SHEET
e Borrower: M/s. Ganesh Plast Mould

PROJECTED

2027-28

0.00

0.00

0.00

0.00

0.00

8.50
0

8.43

0.00

0.00

4.97

21.90
6.27

1.36

0.00

0.00

0.00

1.30

8.93
 FORM V
Name of the Borrower: M/s. Ganesh Plast Mould
COMPUTATION OF MAXIMUM PERMISSIBLE
BANK FINANCE FOR WORKING CAPITAL

SR Particular ACTUAL PROJECTED

2021-22 2022-23 2023-24 2024-25 2025-26 2026-27

`

1 Total Current assets (9 in form IV) 8.07 6.78 10.72 11.95 15.16 17.52

2 Other current liabilities other than bank borrowing (14 0.00 2.00 5.46 6.06 7.36 10.36
of form IV)

3 Working capital gap (wcg) (1-2) 8.07 4.78 5.26 5.89 7.80 7.16

4 Minimum stipulated net working capital i.e. 25% of 2.02 1.20 1.32 1.47 1.95 1.79
wcg.
(export receivables to be excluded under both
methods)

5 Actual/ projected net working capital (45 in form III) 8.07 11.96 15.50 14.57 10.48 10.89

6 Item 3 minus item 4 6.05 3.59 3.95 4.41 5.85 5.37

7 Item 3 minus item 5 0.00 0.00 5.00 5.00 5.00 5.00

8 Maximum permissible bank finance Item 6 or 7 0.00 0.00 3.95 4.41 5.00 5.00
whichever is lower

9 Excess borrowings representing short fall in NWC (4- 0.00 0.00 -14.18 -13.10 -8.53 -9.10
5)

Second Method of Lending

2021-22 2022-23 2023-24 2024-25 2025-26 2026-27

1 Total Current assets (9 in form IV) 8.07 6.78 10.72 11.95 15.16 17.52

2 Other current liabilities other than bank borrowing (14

of form IV) 0.00 2.00 5.46 6.06 7.36 10.36

3 Working capital gap (wcg) (1-2) 8.07 4.78 5.26 5.89 7.80 7.16

4 Minimum stipulated net working capital i.e. 25% of 2.02 1.70 2.68 2.99 3.79 4.38
total current assets
(export receivables to be excluded under both methods)

5 Actual/ projected net working capital (45 in form III)

8.07 11.96 15.50 14.57 10.48 10.89

6 Item 3 minus item 4 6.05 3.09 2.58 2.90 4.01 2.78

7 Item 3 minus item 5 0.00 0.00 5.00 5.00 5.00 5.00

8 Maximum permissible bank finance Item 6 or 7 0.00 0.00 2.58 2.90 4.01 2.78
whichever is lower

9 Excess borrowings representing short fall in NWC (4- -6.05 -10.27 -12.82 -11.59 -6.69 -6.51
5)
 the Borrower: M/s. Ganesh Plast Mould
TATION OF MAXIMUM PERMISSIBLE
FINANCE FOR WORKING CAPITAL

PROJECTED

2027-28

21.90

8.93

12.97

3.24

16.60

9.73

5.00

5.00

-13.36

2027-28

21.90

8.93

12.97

5.48

16.60

7.49

5.00

5.00

-11.13
 FORM VI
Name of the Borrower: M/s. Ganesh Plast Mould
FUNDS FLOW STATEMENT

2021-22 2022-23 2023-24

Sr.
Particular
No Actual Projected

1 SOURCES
A) Net profit (after tax) 3.49 4.98 5.98

B) Depriciation 0.00 3.57 2.67

C) Increasre in capital 0.00 0.00 0.00

D) (i) Increase in term liabilities 0.00 0.00 0.00

(ii) Increase in unsecured loan 0.00 0.00 0.00

E) Decrease in
(i) Fixed Assets 0.00 0.00 0.00
(ii) Other non current assets 0.00 0.00 0.00
(iii) P & P Exp. 0.00 0.00 0.00

F) Increase in reserve 0.00 0.00 0.00

G) Other 0.00 0.00 0.00

H) TOTAL 3.49 8.55 8.65

2 APPLICATION

A) NET LOSS 0.00 0.00 0.00

B) Decrease in Capital 0.00 0.00 0.00

C) (i) Decrease in term liabilities 1.36 2.22 2.45

(ii) Decrease in unsecured loan 0.00 0.00 0.00

D) Increase in:
(I) Fixed assets 0.00 0.00 0.00
(ii) Other non current assets 0.00 0.00 0.00
(iii) P & P exp. 0.00 0.00 0.00

E) Drawings during the year 3.00 3.00 3.00

F) Others (decrease in reserve) 0.00 0.00 0.00

G) TOTAL 4.36 5.22 5.45

 3 Long term surplus(+)/ Deficit(-) -0.87 3.33 3.20
(1-2)

4 Increase/ decrease in current assets 0.00 0.00 1.77

(As per details given below)

5 Increase/ decrease in current liabilities 0.20 0.00 1.70

other than bank borrowings

6 Increase/ decrease in working capital NA -3.29 0.48

gap

7 Net surplus(+) / deficit(-) NA 6.62 2.72

(difference of 3 & 6)

8 Increase/ decrease in bank borrowings 0.00 0.00 0.00

9 Increase/ decrease in Net sales #REF! #REF! 3.14

* Break-up of (4)
i) Increase/ Decrease in Raw Materials 0.00 0.00 1.35

ii) Increase/ Decrease in Stock in process 0.00 0.00 0.00

iii) Increase/ Decrease in Finished Goods 0.00 0.00 0.00

iv) Increase/ Decrease in Receivable

a) Domestic 0.00 0.00 0.42
b) Export 0.00 0.00 0.00

v) Increase/ decrease in stores and spares 0.00 0.00 0.00

vi) Increase/ Decrease in other current assets 0.00 0.00 0.00

Total 0.00 0.00 1.77

* Break-up of (5)
i) Increase/ Decrease in Sundry Creditors 0.00 0.00 1.50

ii) Increase/ Decrease in Statutory Liabilities 0.00 0.00 0.00

iii) Increase/ Decrease in other Current Liabilities 0.20 0.00 0.20

Total 0.20 0.00 1.70

 Name of the Borrower: M/s. Ganesh Plast Mould

ANALYSIS OF KEY RATIOS

BREAK EVEN POINT (IN VALUES)

ACTUAL ESTIMATED PROJECTED

PARTICULARS
2021-22 2022-23 2023-24 2024-25 2025-26 2027-28 2028-29
Sales 12.56 15.70 19.63 30.66 38.33 47.91 57.50
Variable Cost 3.62 5.72 8.87 19.10 25.01 32.74 15.43
Contribution 8.94 9.98 10.76 11.57 13.32 15.18 42.06

Fixed Cost
S,D & Adminstrative
0.41 0.51 0.64 1.00 1.20 1.44 1.73
Expenses
Interest 0.00 1.53 1.77 1.18 0.83 0.53 4.49
Depreciation 2.67 2.00 1.50 0.84 0.63 0.48 0.20
Total Fixed Cost 4.61 4.29 3.32 2.68 2.36 6.41 1.93

Break Even Point( In

6.48 6.75 6.06 7.10 6.80 20.24 2.64
Sales Rs.)
BEP as %age of sale 51.58 42.98 30.86 23.14 17.73 42.24 4.59
Margin of Safety(In Sales
6.08 8.95 13.57 23.57 31.53 27.67 54.86
Rs.)
P/V Ratio 71.18 63.57 54.81 37.73 34.76 31.67 73.16

CURRENT RATIO

ESTIMATED PROJECTED
PARTICULARS
2021-22 2022-23 2023-24 2024-25 2025-26 2027-28 2028-29

Raw Material 0.00 1.35 2.36 4.25 6.36 8.50 10.27

Book Debts 4.12 4.54 6.94 7.00 8.25 8.43 9.54
Cash & Bank Balance 3.95 2.24 2.43 2.59 2.66 2.73 2.94
Loans & Advances 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Current Assets 8.07 8.13 11.73 13.84 17.27 19.66 22.75

Sundry Creditors 0.00 1.50 2.00 2.26 3.09 5.58 6.27

Sundry Creditors for
0.00 0.50 0.75 0.81 0.96 1.13 1.36
Expenses
Other Liabilities 0.00 2.71 2.99 3.31 3.65 1.30 0.00
Total Current Liabilities 0.00 4.71 5.74 6.38 7.70 8.01 7.63
Current Ratio 0.00 1.73 2.04 2.17 2.24 2.45 2.98

DEBT SERVICE COVERAGE RATIO

ESTIMATED PROJECTED
PARTICULARS
2021-22 2022-23 2023-24 2024-25 2025-26 2027-28 2028-29
Profit available for debt
servicing
Profit 5.98 6.08 7.03 8.84 9.92 11.87 32.98
Interest 0.00 1.53 1.77 1.49 1.18 0.83 0.53
Depreciation 2.67 2.00 1.50 0.84 0.63 0.48 0.20
Total 8.65 9.62 10.30 11.17 11.73 13.18 33.70

Loan Instalment 0.00 2.71 2.99 3.31 3.65 1.30 0.00

Interest 0.00 1.53 1.77 1.49 1.18 0.83 0.53
Total 0.00 4.24 4.77 4.80 4.83 2.13 0.53
DSCR 0.00 2.27 2.16 2.33 2.43 6.18 63.93
Average DSCR
 Name of the Borrower: M/s. Ganesh Plast Mould

DEBT EQUITY RATIO

ESTIMATED PROJECTED
PARTICULARS
2021-22 2022-23 2023-24 2024-25 2025-26 2027-28 2028-29
DEBT
Term Loan 15.45 11.25 8.26 4.95 1.30 0.00 0.00

Current Liabilities 0.00 2.71 2.99 3.31 3.65 1.30 0.00

payable within 12 months

0.00 0.50 0.75 0.81 0.96 1.13 1.36

Other Current Liabilities
Working Capital 0.00 0.00 5.00 5.00 5.00 5.00 5.00
Total 15.45 14.46 17.00 14.07 10.91 7.43 6.36

EQUITY
Share Capital 10.23 16.31 18.34 21.10 24.94 29.86 36.73
Unsecured Loan 0.00 0.00 5.00 5.00 5.00 5.00 5.00
Total 10.23 16.31 23.34 26.10 29.94 34.86 41.73
Debt Equity Ratio NA 0.89 0.73 0.54 0.36 0.21 0.15
Consider unsecured loan as Equity

INTEREST COVERAGE RATIO

PARTICULARS ESTIMATED PROJECTED

2021-22 2022-23 2023-24 2024-25 2025-26 2027-28 2028-29
Profit 5.98 6.08 7.03 8.84 9.92 11.87 32.98
Interest 0.00 1.53 1.77 1.49 1.18 0.83 0.53
Depreciation 2.67 2.00 1.50 0.84 0.63 0.48 0.20
Total 8.65 9.62 10.30 11.17 11.73 13.18 33.70

Interest 0.00 1.53 1.77 1.49 1.18 0.83 0.53

Total 0.00 1.53 1.77 1.49 1.18 0.83 0.53

ICR 0.00 6.28 5.81 7.50 9.96 15.86 63.93

 ANNEXURE 8 (b)
VIKAS FASHION
Rate of Interest 10.00%
TERM LOAN REPAYMENT SCHEDULE
Principal
Sl. Month Interest Principal Total Instalment Balance O/S
Outstanding
1 Aug-20 2000000 16667 16,536 33,202 1,983,464
2 Sep-20 1,983,464 16529 16,673 33,202 1,966,791
3 Oct-20 1,966,791 16390 16,812 33,202 1,949,978
4 Nov-20 1,949,978 16250 16,953 33,202 1,933,026
5 Dec-20 1,933,026 16109 17,094 33,202 1,915,932
6 Jan-21 1,915,932 15966 17,236 33,202 1,898,696
7 Feb-21 1,898,696 15822 17,380 33,202 1,881,316
8 Mar-21 1,881,316 15678 17,525 33,202 1,863,791
129410 136209 265619
9 Apr-21 1,863,791 15532 17,671 33,202 1,846,120
10 May-21 1,846,120 15384 17,818 33,202 1,828,302
11 Jun-21 1,828,302 15236 17,967 33,202 1,810,336
12 Jul-21 1,810,336 15086 18,116 33,202 1,792,220
13 Aug-21 1,792,220 14935 18,267 33,202 1,773,952
14 Sep-21 1,773,952 14783 18,419 33,202 1,755,533
15 Oct-21 1,755,533 14629 18,573 33,202 1,736,960
16 Nov-21 1,736,960 14475 18,728 33,202 1,718,232
17 Dec-21 1,718,232 14319 18,884 33,202 1,699,348
18 Jan-22 1,699,348 14161 19,041 33,202 1,680,307
19 Feb-22 1,680,307 14003 19,200 33,202 1,661,108
20 Mar-22 1,661,108 13843 19,360 33,202 1,641,748
176385 222043 398428
21 Apr-22 1,641,748 13681 19,521 33,202 1,622,227
22 May-22 1,622,227 13519 19,684 33,202 1,602,543
23 Jun-22 1,602,543 13355 19,848 33,202 1,582,695
24 Jul-22 1,582,695 13189 20,013 33,202 1,562,682
25 Aug-22 1,562,682 13022 20,180 33,202 1,542,502
26 Sep-22 1,542,502 12854 20,348 33,202 1,522,153
27 Oct-22 1,522,153 12685 20,518 33,202 1,501,636
28 Nov-22 1,501,636 12514 20,689 33,202 1,480,947
29 Dec-22 1,480,947 12341 20,861 33,202 1,460,086
30 Jan-23 1,460,086 12167 21,035 33,202 1,439,051
31 Feb-23 1,439,051 11992 21,210 33,202 1,417,841
32 Mar-23 1,417,841 11815 21,387 33,202 1,396,454
153134 245294 398428
33 Apr-23 1,396,454 11637 21,565 33,202 1,374,888
34 May-23 1,374,888 11457 21,745 33,202 1,353,143
35 Jun-23 1,353,143 11276 21,926 33,202 1,331,217
36 Jul-23 1,331,217 11093 22,109 33,202 1,309,108
37 Aug-23 1,309,108 10909 22,293 33,202 1,286,815
38 Sep-23 1,286,815 10723 22,479 33,202 1,264,336
39 Oct-23 1,264,336 10536 22,666 33,202 1,241,670
40 Nov-23 1,241,670 10347 22,855 33,202 1,218,815
41 Dec-23 1,218,815 10157 23,046 33,202 1,195,769
42 Jan-24 1,195,769 9965 23,238 33,202 1,172,532
43 Feb-24 1,172,532 9771 23,431 33,202 1,149,100
44 Mar-24 1,149,100 9576 23,627 33,202 1,125,474
127449 270980 398428
45 Apr-24 1,125,474 9379 23,823 33,202 1,101,650
46 May-24 1,101,650 9180 24,022 33,202 1,077,629
47 Jun-24 1,077,629 8980 24,222 33,202 1,053,406
48 Jul-24 1,053,406 8778 24,424 33,202 1,028,982
 49 Aug-24 1,028,982 8575 24,628 33,202 1,004,355
50 Sep-24 1,004,355 8370 24,833 33,202 979,522
51 Oct-24 979,522 8163 25,040 33,202 954,482
52 Nov-24 954,482 7954 25,248 33,202 929,234
53 Dec-24 929,234 7744 25,459 33,202 903,775
54 Jan-25 903,775 7531 25,671 33,202 878,104
55 Feb-25 878,104 7318 25,885 33,202 852,220
56 Mar-25 852,220 7102 26,101 33,202 826,119
99074 299355 398428
57 Apr-25 826,119 6884 26,318 33,202 799,801
58 May-25 799,801 6665 26,537 33,202 773,264
59 Jun-25 773,264 6444 26,759 33,202 746,505
60 Jul-25 746,505 6221 26,981 33,202 719,524
61 Aug-25 719,524 5996 27,206 33,202 692,317
62 Sep-25 692,317 5769 27,433 33,202 664,884
63 Oct-25 664,884 5541 27,662 33,202 637,223
64 Nov-25 637,223 5310 27,892 33,202 609,330
65 Dec-25 609,330 5078 28,125 33,202 581,206
66 Jan-26 581,206 4843 28,359 33,202 552,847
67 Feb-26 552,847 4607 28,595 33,202 524,252
68 Mar-26 524,252 4369 28,834 33,202 495,418
67727 330701 398428
69 Apr-26 495,418 4128 29,074 33,202 466,344
70 May-26 466,344 3886 29,316 33,202 437,028
71 Jul-26 437,028 3642 29,560 33,202 407,467
72 Aug-26 407,467 3396 29,807 33,202 377,661
73 Sep-26 377,661 3147 30,055 33,202 347,605
74 Oct-26 347,605 2897 30,306 33,202 317,300
75 Nov-26 317,300 2644 30,558 33,202 286,742
76 Dec-26 286,742 2390 30,813 33,202 255,929
77 Jan-27 255,929 2133 31,070 33,202 224,859
78 Feb-27 224,859 1874 31,329 33,202 193,531
79 Mar-27 193,531 1613 31,590 33,202 161,941
80 Apr-27 161,941 1350 31,853 33,202 130,088
33099 365330 398428
81 May-27 130,088 1084 32,118 33,202 97,970
82 Jun-27 97,970 816 32,386 33,202 65,584
83 Jul-27 65,584 547 32,656 33,202 32,928
84 Aug-27 32,928 274 32,928 33,202 0
Total 2,721 130,088 132,809

Term Loan installment will be started after Three month morateriom period from April 2017
 ANNEXURE 8 (a)
SUMMARY OF LOAN REPAYMENT

SR. PRINCIPAL INTEREST O/S AT THE INS.DUE IN

FIN. YR. TOTAL
NO REPAYMENT REPAYMENT YEAR END ONE YEAR
1 2020-21 136,209 129,410 265,619 1,863,791 222,043
2 2021-22 222,043 176,385 398,428 1,641,748 245,294
3 2022-23 245,294 153,134 398,428 1,396,454 270,980
4 2023-24 270,980 127,449 398,428 1,125,474 299,355
5 2024-25 299,355 99,074 398,428 826,119 330,701
6 2025-26 330,701 67,727 398,428 495,418 365,330
7 2026-27 365,330 33,099 398,428 130,088 130,088
8 2027-28 130,088 2,721 132,809 0 0
1,869,912 753,179 2,257,761
LF- 81. Revised- 2003.

ORIENTAL BANK OF COMMERCE

(A Government of India Undertaking)

Head Office : E-Block, Connaught Place, New Delhi

FOR CASES FALLING WITHIN BRANCH POWER

EXCEPT

Advances against Bank Deposits & other Paper Securities, Retail Trade Schemes and Agriculture Advances

ACTIVITY SHEET

Date of receipt of proposal :

Date of raising queries :
Date of receipt of complete reply to queries from the borrower :

Date of Sanction by the Branch :

Date of release of advance at the Branch :

(Branch Loan Incharge)

LF-81. Revised- 2003.

ORIENTAL BANK OF COMMERCE

(A Government of India Undertaking)

HEAD OFFICE, CONNAUGHT PLACE, NEW DELHI

ASSESSMENT NOTE FOR LOANS / LIMITS (FUND / NON FUND BASED) FALLING UNDER BRANCH POWERS.
(For Industrial & Conventional Loans (Except Retail Trade Schemes & Agriculture Advances)

1. Name of the Branch & Region :

2. Name of the Borrower :
3. Business of the Borrower : Embroidary Work
(Specify exact nature of item traded or manufactured)
4. Asset Classification : STANDARD
5. Credit Rating Allotted :
6. Memorandum For : FRESH
7. “A” DETAIL OF FACILITIES
Mentioned details of all Fund and Non Fund Based Facilities :- Our Bank / Other Banks.

Nature of Facility Proposed

A. Term Loan / DPG #REF!

Total of A. #REF!
B. Fund-Based WC
Cash Credit (Stocks)
Cash Credit (Book
Debts)
Bills Demand(Clean)
Documentary
Usance
Total of B. 0.00
Total A+B #REF!
C. Non Fund Based
Letter of Credit
Bank Guarantee
Financial
Performance

Total of C. 0.00

GRAND TOTAL (A+B+C) #REF!

7. “B” Details of Facilities enjoyed by Sister / Allied Concerns : Our Bank / Other Banks.

Sr.No. Name Name of

Bank /
Branch
 - - -

8. Borrowers Profile :

Address : VIKAS FASHION

Office : #REF!
#REF!
#REF!

Factory / Works : #REF!

#REF!
#REF!

9. Constitution & Date of Constitution / Proprietorship Firm

Commencement of Business 2007

10. Whether covered under Selective Credit Control? Yes / No Y

11. Dealing with the Bank Since

12. Date of Last Review with Authority N.A.

13. Category : Large & Medium / SSI / Trading / Services / Export / Import / Registration No. in case of
S.M.E
SSI and NBFC s etc.

ECGC Cover : Available / Not Available.

Priority Sector / Non Priority Sector.

14. Whether the Concern / its associate /promoter’s names appear in the caution list/ List of Fraudulent
No
Parties circulated by RBI / ECGC / Other Agencies.

15. Whether the Borrower is a defaulter of Our Bank / Any Other Bank ? No

16. Whether Prop / Partner / Director related to any Senior Officer (Scale-lV & above) of the Bank. No

17. A. Names of Prop. / Partners / Directors and their Financial Net Worth :
(Attach separate sheet if required)

Name F.N.W.
As on
31.03-
VIKAS FASHION #REF!
2010
18. Details of Security :

1. Primary : (Specify exact nature of items charged)

Hypothecation of Computer Embroidery machines, Cvds and consumables & spares.

2. Collateral : a) Movable Name of Item ( Value Rs. In Lacs )

2. (b) Immovable Property :

(Information based on Title Deeds and NEC issued by Bank’s Legal Counsel)

Description Res./ Total Area Whether with in Approved/ Realizabl

Commercial Agr. Sq. Ft./ e Value
Land. Yard /
Meters
Confirmed Area

Under CGTSME

P.G. OF

Details of Second Pari-Pasu Charge if any : Nil

19. Comments on Management:

Man Behind the show : TEJAL NILISHBHAI PATEL

Length of Experience in this line of activity : TEJAL NILISHBHAI PATEL has an experience of Three years in. designing, manufa
and marketing.

1.   Experience in other areas of business, if any :

2.  Does the unit have any other man to manage the affairs of the unit, in absence of the main Person behind the show?

Mr. Alpeshbhai Babubhai Ramani who are capable to handle the business affairs of the said firm in the absence of the Proprietor
NILISHBHAI PATEL

3.     Track Record in : New Account

Repayments
 Achievement

Project Implementation :

20. Comments on RBI / Internal Inspection & Action Taken Thereon :

Nature of Inspection Present Position o

Rectification

21. Financial Highlights : (Amt. Rs. In Lacs)

Give actual figures for Last 2 Years, Current year OR Projection in case of New Units.

Liabilities #REF! #REF! 2007-08

A)Tangible
Net Worth #REF! #REF! #REF!
Paid-Up Capital. #REF!

Reserves & Surplus

(-) Intangible Asset
(-) Accumul-ated Losses

Total A #REF! #REF! #REF!

B) Term Liabilities
-Loans From Friends & #REF! #REF!
Relatives

-From Banks / Fls 0.00 0.00

-Others 0.00 0.00 0.00

Total B #REF! #REF! 0.00

Capital Employed
#REF! #REF! #REF!
(A+B)

Bank Borrowing

Sundry Creditors #REF! #REF! #REF!

Sundry Creditors 0.00 0.00 #REF!

Installment Due Within 1 0.00 0.00
yeasr

#REF!

#REF!
#REF!
 Total C #REF! #REF! #REF!
Grand Total A+B+C #REF! #REF! #REF!

22. OPERATION ANALYSIS :

Give actual figures for the Last 2 Years, Current Year estimates OR Projections in case of New
Units.

Particulars #REF!
1. Gross Sales( Including Jobwork) #REF!
2. Other Income #REF!
2. Interest Subsidy 0.00
3. Net Sales #REF!
4. Cost of Sales #REF!
Opening Stocks #REF!
(+) Purchase #REF!
(-) Closing Stocks #REF!
Raw Material Consumed- Electricity Exp. & Man.Labour & Employee Cost #REF!

Administrative & Selling Expenses #REF!

Interest Cost 0.00
Depreciation #REF!
Add (+) Opening Stock in-Process - Interest 0.00
Less (-) Closing Stock in –Process 0.00
Total Cost of Sales #REF!
Profit Before Tax #REF!
Less : Provision for Tax 0.00
Net Profit after Tax #REF!

23. Ratio Analysis : #REF!

1. Current Ratio :
#REF!
Current Assets / Current Liabilities
2. Debt Equity Ratio :
#REF!
Term Liabilities / Tangible Net Worth (Unsecured Loan As queasy Capital)
3. Leverage Ratio :
#REF!
Total Outstanding Liabilities / Tangible Net Worth
4. Net Working Capital :
#REF!
Current Assets - Current Liabilities
5. Level of Stocks :
#REF!
Average Stocks / Cost of Sales x 365 ( days)
6. Level of Debtors :
#REF!
Debtors / Sales x 365 ( days)
7. Level of Creditors :
#REF!
 #REF!
Creditors / Purchases x 365 (days)

The formulas for calculations of levels of Raw Materials, Semi-Finished Goods (Stock in Process) in case of Manufacturing Units ha
given in the Assessment of Working Capital Requirement sheet on page

24. Comments On Financial Position :

1. The Tangible Net Worth of the Borrower has improved / gone down from Rs. 7.29 lacs to Rs. 11.91 lacs. Which is a h
sign.

2. The liabilities of the Borrower have Increased / Decreased . The reasons for increase these liabilities are : Total liabilities of the
borrower is decreasing trend.

Term liability include Term loan for purchase of machinery, so it is decreasing accordingly repayment of installment.

3. The level of Creditors have increased from 32 days to 52 days. But this increased due to more credit for high volumes. Reasons f
abnormality, if any: "

There is minor change in level of creditors in projected year..

4. Bank Borrowings have increased Rs. 8.32 Lacs.

The firm has applied for Term Loan of 12.48 lacs.

5. The Fixed Assets (Gross Block) have increased / decreased. The reasons for such increase /
decreased are : GROSS BLOCK ARE NO CHANGED.

Note : The increased in Fixed Assets should not be from short term sources particularly Bank
Borrowings.

6. Non-Current Assets have increased from Rs. 0.00 Lac to Rs. 0.50 Lac. The
Reasons for such increase are : investment of Rs. 50000 will made on assumption basis
in projected year.

7. Current Assets have increased from Rs. 4.96 Lac to Rs. 9.40 Lac. Reasons for increase and Comments on the Quality of Current
viz. Whether the inventory is turning over and debtors are being paid on time etc.

As The firm has utilided sales capacity for the purchase of computerized Embroidery machine 2009-10 financial year and curr
assets would increase accordingly.

8. Sales of the firm have increased by 201% %. Reasons given by the borrower for increase in Sales are :
9. Operating Profits of the firm have increased /decreased. The Reasons for decrease are :

The quantum of operating profit is increased, but the rate of operating profit is decreased due to utilization of more installed capaci

10. Net Profits of the firm have increased /decreased. The Reasons for decrease are :
The firm will utilized capacity of new purchased machines.

11. Any Other Observation / adverse Comments on the Annexes to the Balance Sheet like lists of Fixed Assets / Debtors / Cre
Qualified Comments in the Auditor Reports etc.

NO ADVERSD OBSERVATIONS.

25. Present Position of the Account and Availment of the Facilities :

(Rs. in Lacs)
The firm is having current a/c at present.
Nature of Facility WCDL

Limit
Present Outstanding
Maximum Availment
Minimum Availment
Credit summation in the account
Interest earned
Whether Stock Statements, Book Debts
Statements, QIS Submitted Regularly
Nature of Facility UBD
Limit
Present Outstanding
No. & Amount of Bill Purchased
No. & Amount of bill Retired Unpaid
Maximum Availment
Minimum Availment
Commission Earned
Interest Earned
Nature of Facility Import
L/C
Present Outstanding
No. & Amount of L/C / Guarantee Established
No. & Amount of documents not retired under L/C / Guarantee invoked
Whether there are any L/C devolvement
Commission Earned
Nature of Facility Term
Loan-2
Limit
Present Outstanding
Installments Overdue
Interest Received

Comments on the overall conduct of account :

26. Assessment of Term Loans : (For Manufacturing Units Only).

Brief comments on Availability of Raw Materials, Water, Power, Labour & Transport Facilities :

The unit required only potable waters, manufacturing process does not require water. It is available from municipal supply. Torren
connection is already available. No more power required as connected load. Labour is readily available in local area. Transport is a
from doorstep to market area.

Details of Items Margin

Source of meeting margin money for Term Loan (Name of Bank / Branch / Account No. etc.)

Profitability Projections : (Profitability Projection must be obtained for the proposed repayment period)

Repayment Period Proposed :

Particulars #REF! 2021-22

Net Profit #REF! 4.98
Add – Depreciation #REF! #REF!
Other Non-Cash Expenses - -
Add – Term Loan Interest #REF! #REF!
Total Funds Available for Debt
#REF! #REF!
Servicing (A)
Term Loan Installments 1.36 2.45
Term Loan Interest #REF! #REF!
Total Debt to be Serviced
(B) #REF! #REF!

DSCR (A) / (B) #REF! #REF!

Average DSCR #RE

Whether any moratorium period
is required, if yes give reasons :

27. Assessment of working capital requirements on turnover and traditional basis :

Computation of Limit on Turnover Basis :

3rd Year
Sales 36.64
Net Profit 11.50

a Annual Turnover as projected by borrower

b * Turnover as accepted by bank
c Working capital required [ 25% of sales i.e. item (b) ]
d Minimum margin required [ 5% of sales i.e. item (b) ]
e Actual margin available (Current Assets - Current Liabilities)
f Item ( c ) – Item ( d )
g Item ( c ) – Item ( e )
h Maximum Permissible Bank Finance [ (f) or (g) whichever is less ] AS
APPLIED

The nature of Business in low working capital requirement due to main raw material is water which sources from own bore well.

* In case of existing Units, while accepting the projected sales / Turnover, the past trend in sales
should be carefully analyzed.
*In case of New Units the demand for the product vis a vis orders in hand etc. must be properly
examined.
 10

28. Assessment of Working Capital facilities on traditional method.

(Amt. Rs. In Lacs)

Actual Projected Levels Accept

As on
As on 1st Year 2nd Year
Days Amt.
1. Level of Raw Materials Avg.
Stock of RM / Raw Materials
Consumed x 365.

2. Stock in Progress Avg.

Stock of RM / Raw Materials
Consumed x 365.

3. Finished goods (Days of cost

of sale) Avg. Stock of Finished
Goods / Cost of Sales x 365.

4. Receivables (Days Sale) Drs. /

Sales x 365.
5. Other Current Assets
6. Total Current Assets
7. Less Sundry Creditors : Crs.
/ Purchases x 365.
Other Current Liabilities
Total Current Liabilities
Working Capital Gap (6 – 9)
Less 25% margin on working
capital or working capital
Actual net
Item No. (10 – 11)
Item No. (10 – 12)
Maximum Permissible bank
finance
(Item No. 13 or 14 Whichever is
lower)
Break-up of MPBF and justification of Proposed Limits :

Assessment of working capital by traditional method is also justified.

Assessment of non-fund based limits :

A. Letter Of Credit

For Raw Materials

1.     Estimated Purchased against LC. (For accepted level Turnover)

2.     Lead / Transit Time. (No. of Days)
 3.     Usance Period. (No. of Days)
4.     Total No. of Days. (2 + 3)
5.     No.of cycles in a year.(365 / No. of Days as per Sr.No.4)
6.     LC Requirement (Sr. No. 1 / Sr. No. 5 )

11

B. Bank Guarantees (Amount Rs. In crores)

( i ). In case of construction contractors :

1.     Amount of contracts in hand / Under Implementation

2.     Value of contracts to be completed in a year.
3.     Value of contracts in pipeline for which bids are to be made.
4.     Bid Requirement @ % per annum.
5.     Advance payment guarantees @ % of Contract Value.
6.     Performance guarantee @ .
7.     Earnest Money guarantee @ .
8.     Security Deposit / Retention Money guarantee @ .

( ii ) Other cases : (Requirement be assessed on case to case basis)

Recommendation : I

1. Nature of Facility

2. Amount

3. Rate of Interest PLR-1.75% (12-1.75 %)

present 10.25% ( to be c
monthly basis )

4. Margin

5. Security : Primary

6. Term / Repayment Period

7. COLLATERAL SECURITIES :

8. PROCESS FEES:

9.     SUBMISSION OF STOCKS STATEMENT :

10.   EXISTING TERM LOAN O/S RS. -----------------------LACS renew on the existing terms & conditions of the sanctioned.

7. Other Conditions (if any) : AS PER SANCTIONED LETTER ENCLOSED.

Attach separate sheet if required

( RECOMMENDING /APPRAISING OFFICER)

LOAN OFFICER
SANCTIONING AUTHORITY
( BRANCH INCUMBENT)

12
E

(Branch Incumbent)
NATIONAL
Irregularit Asset
y, Classifica
Overdue,i tion
f any

Asset
Classifica
tion
 -

Proprietorship Firm

2007

Yes / No YES

N.A.

S.M.E

No

No

No

Shareholding %

100%
s. In Lacs )

Whether Encumbr
any ance if
litigation any
Pending

ears in. designing, manufacturing

ehind the show?

absence of the Proprietor TEJAL

Present Position of
Rectification

2008-09 2009-10

#REF! #REF!
#REF! #REF!

#REF! #REF!

0.00 0.00

0.00 0.00

#REF! #REF!

#REF! #REF!

#REF! #REF!

#REF! #REF!

#REF! 0.00
#REF! #REF!
#REF! #REF!
#REF! #REF!

#REF! #REF! #REF! #REF!

#REF! #REF! #REF! #REF!
#REF! 0.00 2.88 #REF!
0.00 0.00 0.00 0.00
#REF! #REF! #REF! #REF!

#REF! #REF! #REF! #REF!

#REF! #REF! #REF! #REF!
#REF! #REF! #REF! #REF!
#REF! #REF! #REF! #REF!
#REF! #REF! #REF! #REF!

#REF! #REF! #REF! #REF!

0.00 0.00 0.00 0.00
#REF! #REF! #REF! 0.00
0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
#REF! #REF! #REF! #REF!
#REF! #REF! #REF! #REF!
0.00 0.00 0.00 0.00
#REF! #REF! #REF! #REF!

#REF! #REF! #REF! #REF!

#REF! #REF! #REF! #REF!

#REF! #REF! #REF! #REF!

#REF! #REF! #REF! #REF!

#REF! #REF! #REF! #REF!

#REF! #REF! #REF! #REF!

#REF! #REF! #REF! #REF!

#REF! #REF! #REF! #REF!

 #REF! #REF! #REF! #REF!

e of Manufacturing Units has been

. 11.91 lacs. Which is a healthy

re : Total liabilities of the

nt of installment.

or high volumes. Reasons for

s on the Quality of Current Assets

-10 financial year and current

on of more installed capacity.

xed Assets / Debtors / Creditors /

PC or any
other Pre-
Sales
Working
Capital
Facility

DD

Guarante
es
 Term
Loan-3

m municipal supply. Torrent power

n local area. Transport is available

( Amount in lacs of Rs.)

Bank Finance

#REF! #REF!
#REF! #REF!
#REF! #REF!
- -
#REF! #REF!

#REF! #REF!
 #REF! #REF!
#REF! #REF!

#REF! #REF!

#REF! #REF!

#REF!

(Rs. In Lac)
4th Year
38.37
12.03

(Rs. In Lac)

N.A.

ces from own bore well.

Projected Levels Accepted

As on 3rd Year
Days Amt.

(Amount Rs. In crores)

Inland Foreign
 N. A.

N. A.

PLR-1.75% (12-1.75 %) i.e. at

present 10.25% ( to be charged
monthly basis )

he sanctioned.
A. CURRENT LIABILITIES
i. Bank borrowings - - - - -
ii. Term loan installments - - - - -
Due within one year #REF! #REF! #REF! 0.00 #REF!
iii. Deposits/Unsecured Loans #REF! #REF! #REF! 0.00 0.00
iv. Sundry Creditors #REF! #REF! #REF! 0.00 0.00
v. Provisions - - - - -
vi. Other Current Liabilities #REF! #REF! #REF! 0.00 0.00
TOTAL (A) #REF! #REF! #REF! 0.00 #REF!
B. TERM LIABILITIES :-
Term loan :- #REF! #REF! 0.00 0.00 #REF!
Cash Credit :- #REF! #REF! #REF! #REF! #REF!
Total Term Liabilities (B) #REF! #REF! #REF! #REF! #REF!
C. NET WORTH
i. Capital #REF! #REF! #REF! 27.94 10.23
ii. Reserves & Surplus- #REF! #REF! #REF! #REF! #REF!
Cash Subsidy Total (I+II) - C #REF! #REF! #REF! #REF! #REF!
iii. TOTAL LIABILITIES (A+B+C) #REF! #REF! #REF! #REF! #REF!
E. CURRENT ASSETS
I Cash & Bank Balance #REF! 5.50 1.73 4.09 #REF!
ii. Receivables #REF! #REF! #REF! 9.77 4.12
iii. Inventory #REF! #REF! #REF! 9.58 0.00
iv. Loans & Advances - - - - -
v. Other Current Assets - - - - -
TOTAL (E) #REF! #REF! #REF! 23.44 #REF!
F. NET FIXED ASSETS #REF! #REF! #REF! 24.54 15.10
G. ADVANCES / INVESTMENTS
SUBSIDIARY/ASSOCIATE CONCERNS #REF! #REF! #REF! 0.00 2.51
H. OTHER NON-CURRENT ASSETS 0.00 0.00 0.00 0.00 0.00
I. TOTAL ASSETS(E+F+G+H) #REF! #REF! #REF! 47.98 #REF!
J. FINANCIAL PERFORMANCE
i. Net Sales #REF! 15.70 19.63 30.66 #REF!
ii. Gross Profit #REF! #REF! #REF! #REF! #REF!
iii. Depreciation #REF! 0.00 0.00 0.00 0.00
iv. Taxation #REF! #REF! #REF! #REF! #REF!
v. Net Profit #REF! #REF! #REF! #REF! #REF!
vi. Dividend (Drawings)
-Amount - - - - -
-Percentage - - - - -
Vii Profit retained in business #REF! #REF! #REF! #REF! #REF!
K. RATIO ANALYSIS
i. Current Ration #REF! #REF! #REF! 0.00 #REF!
ii. Total Debt/Equity #REF! #REF! #REF! NA #REF!
iii. Gross Profit/Sales (%) #REF! #REF! #REF! #REF! #REF!
iv. Net Profit/Sales (%) #REF! #REF! #REF! #REF! #REF!
v. Debtors/Sales (Days) 180 105 88 #REF! #REF!
vi. Creditors/purchase(Days) 30 30 30 #REF! #REF!
vii. Average debt service Coverage ratio
(in case of fresh term loan/DPG) #REF! #REF! #REF! 0.00 #REF!
viii. Turnover / Current Assets #REF! #REF! #REF! 3.80 #REF!
ix. Interest Coverage Ratio #REF! #REF! #REF! 0.00 #REF!
 Projected
31.03.10 31.03.11 31.03.12 31.03.13 31.03.14
a) Balance Sheet Data /
Capital Structure
Paid up Capital
a) Equity Share Capital
b) Preference Share Capital #REF! #REF! #REF! 27.94 10.23
Reserves & Surplus (Excl. Revaluation
reserves and net of intangible assets) #REF! #REF! #REF! #REF! #REF!
Tangible Net worth #REF! #REF! #REF! #REF! #REF!
Term Liabilities #REF! #REF! #REF! #REF! #REF!
Capital Employed #REF! #REF! #REF! #REF! #REF!
Net Block #REF! #REF! #REF! 24.54 15.10
Funds Invested outside Business 0 0 0 0 0
Current Assets #REF! #REF! #REF! 23.44 #REF!
Current Liabilities #REF! #REF! #REF! 0.00 #REF!
Net Current Assets #REF! #REF! #REF! 23.44 #REF!

b) Operational Data
Gross Sales #REF! 15.70 19.63 30.66 #REF!
Less: Excise / Sales Tax 0 0 0 0 0
Net Sales #REF! 15.70 19.63 30.66 #REF!
Of which exports 0 0 0 0 0
Other Income 0 0 0 0 0
Manufacturing expenses #REF! #REF! #REF! #REF! #REF!
Adm. & Selling Expenses 2.76 3.04 3.34 3.67 4.04
Depreciation #REF! 0.00 0.00 0.00 0.00
Interest 1.29 1.76 #REF! 1.53 1.27
Net Profit before Tax #REF! #REF! #REF! #REF! #REF!
Net Profit After Tax #REF! #REF! #REF! #REF! #REF!
Dividend 0 0 0 0 0
Profitability Ratio
(NP/Sales) % #REF! #REF! #REF! #REF! #REF!
Net Profit / Capital Employed #REF! #REF! #REF! #REF! #REF!
Stock Turnover ratio #REF! #REF! #REF! 31.24% #REF!
Debtor Turnover ratio 180 105 88 #REF! #REF!
PAT / TNW
Current Ratio #REF! #REF! #REF! 0.00 #REF!
DE Ratio (Total Term Liabilities /
Tangible Net worth) #REF! #REF! #REF! #REF! #REF!
DE Ratio (Total outside Liabilities /
Tangible Net worth) #REF! #REF! #REF! #REF! #REF!
Financial Year Projected
2007-2008 2008-2009 2009-2010
Sales/ Receipts #REF! 15.70 19.63
Net Profit #REF! #REF! #REF!
Net Worth #REF! #REF! #REF!
 ANNEXURE 8 (b)
VIKAS FASHION
Rate of Interest 10.50%
TERM LOAN REPAYMENT SCHEDULE
Principal Total
Sl. Month Interest Installment Balance O/S
Outstanding Instalment
1 Jan-14 850,000 7,438 0 7,438 850,000
2 Feb-14 850,000 7,438 0 7,438 850,000
3 Mar-14 850,000 7,438 0 7,438 850,000
Total 22,313 0 22,313
4 Apr-14 850,000 7,438 3,542 10,979 846,458
5 May-14 846,458 7,407 3,542 10,948 842,917
6 Jun-14 842,917 7,376 3,542 10,917 839,375
7 Jul-14 839,375 7,345 3,542 10,886 835,833
8 Aug-14 835,833 7,314 3,542 10,855 832,292
9 Sep-14 832,292 7,283 3,542 10,824 828,750
10 Oct-14 828,750 7,252 3,542 10,793 825,208
11 Nov-14 825,208 7,221 3,542 10,762 821,667
12 Dec-14 821,667 7,190 3,542 10,731 818,125
13 Jan-15 818,125 7,159 3,542 10,700 814,583
14 Feb-15 814,583 7,128 3,542 10,669 811,042
15 Mar-15 811,042 7,097 3,542 10,638 807,500
Total 87,205 42,500 129,705
16 Apr-15 807,500 7,066 3,542 10,607 803,958
17 May-15 803,958 7,035 3,542 10,576 800,417
18 Jun-15 800,417 7,004 3,542 10,545 796,875
19 Jul-15 796,875 6,973 3,542 10,514 793,333
20 Aug-15 793,333 6,942 3,542 10,483 789,792
21 Sep-15 789,792 6,911 3,542 10,452 786,250
22 Oct-15 786,250 6,880 3,542 10,421 782,708
23 Nov-15 782,708 6,849 3,542 10,390 779,167
24 Dec-15 779,167 6,818 3,542 10,359 775,625
25 Jan-16 775,625 6,787 3,542 10,328 772,083
26 Feb-16 772,083 6,756 3,542 10,297 768,542
27 Mar-16 768,542 6,725 3,542 10,266 765,000
Total 82,742 42,500 125,242
28 Apr-16 765,000 6,694 3,542 10,235 761,458
29 May-16 761,458 6,663 3,542 10,204 757,917
30 Jun-16 757,917 6,632 3,542 10,173 754,375
31 Jul-16 754,375 6,601 3,542 10,142 750,833
32 Aug-16 750,833 6,570 3,542 10,111 747,292
33 Sep-16 747,292 6,539 3,542 10,080 743,750
34 Oct-16 743,750 6,508 3,542 10,049 740,208
35 Nov-16 740,208 6,477 3,542 10,018 736,667
36 Dec-16 736,667 6,446 3,542 9,988 733,125
37 Jan-17 733,125 6,415 3,542 9,957 729,583
38 Feb-17 729,583 6,384 3,542 9,926 726,042
39 Mar-17 726,042 6,353 3,542 9,895 722,500
Total 78,280 42,500 120,780

Prepared By: SFCS

96874 99969
40 Apr-17 722,500 6,322 3,542 9,864 718,958
41 May-17 718,958 6,291 3,542 9,833 715,417
42 Jun-17 715,417 6,260 3,542 9,802 711,875
43 Jul-17 711,875 6,229 3,542 9,771 708,333
44 Aug-17 708,333 6,198 3,542 9,740 704,792
45 Sep-17 704,792 6,167 3,542 9,709 701,250
46 Oct-17 701,250 6,136 3,542 9,678 697,708
47 Nov-17 697,708 6,105 3,542 9,647 694,167
48 Dec-17 694,167 6,074 3,542 9,616 690,625
49 Jan-18 690,625 6,043 3,542 9,585 687,083
50 Feb-18 687,083 6,012 3,542 9,554 683,542
51 Mar-18 683,542 5,981 3,542 9,523 680,000
Total 73,817 42,500 116,317
52 Apr-18 680,000 5,950 3,542 9,492 676,458
53 May-18 676,458 5,919 3,542 9,461 672,917
54 Jun-18 672,917 5,888 3,542 9,430 669,375
55 Jul-18 669,375 5,857 3,542 9,399 665,833
56 Aug-18 665,833 5,826 3,542 9,368 662,292
57 Sep-18 662,292 5,795 3,542 9,337 658,750
58 Oct-18 658,750 5,764 3,542 9,306 655,208
59 Nov-18 655,208 5,733 3,542 9,275 651,667
60 Dec-18 651,667 5,702 3,542 9,244 648,125
Total 52,434 31,875 84,309
Term Loan installment will be started after three month morateriom period from April 14

Prepared By: SFCS

96874 99969
 ANNEXURE 8 (a)
SUMMARY OF LOAN REPAYMENT

SR. FIN. PRINCIPAL INTEREST O/S AT THE INS.DUE IN

TOTAL
NO YR. REPAYMENT REPAYMENT YEAR END ONE YEAR
1 2013-14 0 22,313 22,313 850,000 42,500
2 2014-15 42,500 87,205 129,705 807,500 42,500
3 2015-16 42,500 82,742 125,242 765,000 42,500
4 2016-17 42,500 78,280 120,780 722,500 42,500
5 2017-18 42,500 73,817 116,317 680,000 31,875
6 2018-19 31,875 52,434 84,309 648,125
201,875 396,791 598,666

Prepared By: SFCS

96874 99969