ABDUL HALIM ANSARI

NAWADIH TOLA, RAHARGORA, CHANDANKIYARI

DISTI- BOKARO, STATE- JHARKHAND- 828134

CONTRACT AND PROFIT & LOSS ACCOUNT FOR YEAR ENDED 31.03.23
PARTICULARS AMOUNT PARTICULARS AMOUNT
To Opening W.I.P. 302745.00 By Gross Contract Receipt 1906788.00
To Material Purchased 430914.82 By Closing W. I.P 338712.00
To Labour Charges 640000.00 By Interest & Misc. Income 130988.00
To Transportation 84600.00
To Staff Salary & Allowances 240000.00
To Telephone & Mobile Charges 13896.00
To Bank Interest on C.C 94031.55
To Bank Charges 11178.63
To Printing & Stationery 10955.00
To Site Expenses 68565.00
To Travelling Expenses 51865.00
To Insurance 4130.00
To Misc. Expenses 27562.00
To Depreciation 28580.00
To Net Profit 367465.00
2376488.00 2376488.00

BALANCE SHEET AS ON 31.03.23

CAPITAL & LIABILITIES AMOUNT ASSETS & PROPERTIES AMOUNT
CAPITAL ACCOUNT Tools & Machinery
Balance B/fd 784911.00 Balance B/fd 190531.00
Add : Net Profit 367465.00 Less.Dep 15% 28580.00 161951.00
1152376.00
Less: Drawings 287492.10 864883.90

SECURED LOAN CURRENT ASSETS

CC A/c with Bank 730233.01 Closing W. I. P. 338712.00

CURRENT LIABLITIES Earnest Money Deposit 95339.00

Sundry Creditors 36690.00
Sundry Receivable & Book Debts 918125.00

TDS 16670.00
Outstanding Expenses
Wages Payable 36012.00 Cash & Bank Balance 137021.91 1505867.91

1667818.91 1667818.91
 ABDUL HALIM ANSARI
NAWADIH TOLA, RAHARGORA, CHANDANKIYARI
DISTI- BOKARO, STATE- JHARKHAND- 828134

ESTIMATED CONTRACT AND PROFIT & LOSS ACCOUNT FOR YEAR ENDED 31.03.24
PARTICULARS AMOUNT PARTICULARS AMOUNT
To Opening W.I.P. 338712.00 By Gross Contract Receipt 4500000.00
To Material Purchased 2533295.00 By Closing W. I.P 500000.00
To Labour Charges 702000.00 By Interest & Misc. Income 134000.00
To Transportation 106000.00
To Staff Salary & Allowances 264000.00
To Telephone & Mobile Charges 17000.00
To Bank Interest on C.C 94500.00
To Bank Charges 12000.00
To Printing & Stationery 13000.00
To Site Expenses 70000.00 .
To Travelling Expenses 55000.00
To Insurance 4200.00
To Misc. Expenses 32000.00
To Depreciation 24293.00
To Net Profit 868000.00
5134000.00 5134000.00

ESTIMATED BALANCE SHEET AS ON 31.03.2024

CAPITAL & LIABILITIES AMOUNT ASSETS & PROPERTIES AMOUNT
CAPITAL ACCOUNT Tools & Machinery
Balance B/fd 864883.90 Balance B/fd 161951.00
Add : Net Profit 868000.00 Less.Dep 15% 24293.00 137658.00
1732883.90
Less: Drawings 600000.00 1132883.90

SECURED LOAN CURRENT ASSETS

CC A/c with Bank 900000.00 Closing W. I. P. 500000.00

CURRENT LIABLITIES Earnest Money Deposit 225000.00

Sundry Creditors 30000.00
Sundry Receivable & Book Debts 1070000.00

TDS 20000.00
Outstanding Expenses
Wages Payable 36000.00 Cash & Bank Balance 146225.90 1961225.90

2098883.90 2098883.90

ABDUL HALIM ANSARI

NAWADIH TOLA, RAHARGORA, CHANDANKIYARI
DISTI- BOKARO, STATE- JHARKHAND- 828134

PROJECTED CONTRACT AND PROFIT & LOSS ACCOUNT FOR YEAR ENDED 31.03.25
PARTICULARS AMOUNT PARTICULARS AMOUNT
To Opening W.I.P. 500000.00 By Gross Contract Receipt 5400000.00
To Material Purchased 2953851.00 By Closing W. I.P 530000.00
To Labour Charges 780000.00 By Interest & Misc. Income 138000.00
To Transportation 122000.00
To Staff Salary & Allowances 290000.00
To Telephone & Mobile Charges 20000.00
To Bank Interest On C.C 96000.00
To Bank Charges 13000.00
To Printing & Stationery 15000.00
To Site Expenses 98000.00 .
To Travelling Expenses 74000.00
To Insurance 4300.00
To Misc. Expenses 39000.00
To Depreciation 20649.00
To Net Profit 1042200.00
6068000.00 6068000.00

PROJECTED BALANCE SHEET AS ON 31.03.2025

CAPITAL & LIABILITIES AMOUNT ASSETS & PROPERTIES AMOUNT
CAPITAL ACCOUNT Tools & Machinery
Balance B/fd 1132883.90 Balance B/fd 137658.00
Add : Net Profit 1042200.00 Less.Dep 15% 20649.00 117009.00
2175083.90
Less: Drawings 870000.00 1305083.90

SECURED LOAN CURRENT ASSETS

CC A/c with Bank 900000.00 Closing W. I. P. 530000.00

CURRENT LIABLITIES Earnest Money Deposit 270000.00

Sundry Creditors 28000.00
 Sundry Receivable & Book Debts 1150000.00

TDS 24000.00
Outstanding Expenses
Wages Payable 21000.00 Cash & Bank Balance 163074.90 2137074.90

2254083.90 2254083.90

ABDUL HALIM ANSARI

NAWADIH TOLA, RAHARGORA, CHANDANKIYARI
DISTI- BOKARO, STATE- JHARKHAND- 828134

PROJECTED CONTRACT AND PROFIT & LOSS ACCOUNT FOR YEAR ENDED 31.03.26
PARTICULARS AMOUNT PARTICULARS AMOUNT
To Opening W.I.P. 530000.00 By Gross Contract Receipt 6300000.00
To Material Purchased 3547889.00 By Closing W. I.P 580000.00
To Labour Charges 840000.00 By Interest & Misc. Income 142000.00
To Transportation 146000.00
To Staff Salary & Allowances 320000.00
To Telephone & Mobile Charges 24000.00
To Bank Interest On C.C 98000.00
To Bank Charges 14000.00
To Printing & Stationery 18000.00
To Site Expenses 115000.00 .
To Travelling Expenses 85000.00
To Insurance 4400.00
To Misc. Expenses 45000.00
To Depreciation 17551.00
To Net Profit 1217160.00
7022000.00 7022000.00

PROJECTED BALANCE SHEET AS ON 31.03.2026

CAPITAL & LIABILITIES AMOUNT ASSETS & PROPERTIES AMOUNT
CAPITAL ACCOUNT Tools & Machinery
Balance B/fd 1305083.90 Balance B/fd 117009.00
Add : Net Profit 1217160.00 Less.Dep 15% 17551.00 99458.00
2522243.90
Less: Drawings 1045000.00 1477243.90

SECURED LOAN CURRENT ASSETS

CC A/c with Bank 900000.00 Closing W. I. P. 580000.00

CURRENT LIABLITIES Earnest Money Deposit 315000.00

Sundry Creditors 34000.00
Sundry Receivable & Book Debts 1250000.00

TDS 28000.00
Outstanding Expenses
Wages Payable 27000.00 Cash & Bank Balance 165785.90 2338785.90

2438243.90 2438243.90
 ABDUL HALIM ANSARI

Cash Budget Statement for Financial Year 2023-24

Particulars Rates Apr-23 May-23 Jun-23 Jul-23 Aug-23 Sep-23 Oct-23 Nov-23 Dec-23 Jan-24 Feb-24 Mar-25
Sales 210,435 231,479 254,626 280,089 308,098 338,908 372,798 410,078 451,086 496,195 545,814 600,396
Groth Rate 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 10%
Credit Sales 40% 84,174 92,591 101,851 112,036 123,239 135,563 149,119 164,031 180,434 198,478 218,326 240,158

Receipts
Cash Op Bal. 137021.91 500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000
Cash Sales 126,261 138,887 152,776 168,053 184,859 203,345 223,679 246,047 270,652 297,717 327,489 360,237
Credit Sales Receipts 84,174 92,591 101,851 112,036 123,239 135,563 149,119 164,031 180,434 198,478 218,326

Total Cash Inflow 263,283 723,061 745,367 769,904 796,894 826,584 859,242 895,166 934,683 978,151 1,025,966 1,078,563

Payments
Material 53% 110,923 122,015 134,217 147,638 162,402 178,643 196,507 216,157 237,773 261,551 287,706 316,476
Wages 16% 32,828 36,111 39,722 43,694 48,063 52,870 58,157 63,972 70,369 77,406 85,147 93,662
Salaries 6% 12,346 13,580 14,938 16,432 18,075 19,883 21,871 24,058 26,464 29,110 32,021 35,223
Site & Other Expenses 10% 20,014 22,016 24,217 26,639 29,303 32,233 35,457 39,002 42,903 47,193 51,912 57,103

Total Cash Outflow 176,111 193,722 213,094 234,403 257,844 283,628 311,991 343,190 377,509 415,260 456,786 502,464

Minimum Required Bal. 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000
Monthly cash balance (412,828) 29,339 32,273 35,501 39,051 42,956 47,251 51,976 57,174 62,891 69,181 76,099

Closing Bal 500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000
Target Cash Balance 600,000 650,000 700,000 750,000 800,000 850,000 900,000 950,000 1,000,000 1,050,000 1,100,000 1,150,000
Cash Surplus(Deficiency) (1,012,828) (620,661) (667,727) (714,499) (760,949) (807,044) (852,749) (898,024) (942,826) (987,109) (1,030,819) (1,073,901)

Limit will be fixed on the basis of peak limit (10.74) but drawing will be monitored by monthly cash budget. The above illustration is for contract specific
limit . However, for seasonal industries there may multipal peaks within a year, limit is to be fixed on the basis of highest peak
M/S JAI MATA DI CONSTRUCTION 2023-24
CASH FLOW APR MAY JUNE JULY AUGUST SEPTEMBER OCTOBER
OPENING BALANCE ₹ 137,021.91 -₹ 69,451.09 -₹ 269,277.42 -₹ 465,204.76 -₹ 391,165.09 -₹ 307,021.42 -₹ 182,297.76
Cash incoming
Receipts from Contract
₹ 1,122,000.00 ₹ 1,144,440.00 ₹ 1,167,329.00 ₹ 1,190,676.00 ₹ 1,214,490.00 ₹ 1,238,780.00 ₹ 1,263,556.00
Work
Total incoming ₹ 1,122,000.00 ₹ 1,144,440.00 ₹ 1,167,329.00 ₹ 1,190,676.00 ₹ 1,214,490.00 ₹ 1,238,780.00 ₹ 1,263,556.00
Cash outgoing
Materials ₹ 750,000.00 ₹ 765,000.00 ₹ 780,300.00 ₹ 530,000.00 ₹ 540,000.00 ₹ 520,000.00 ₹ 530,400.00
Machine Hire Charges ₹ 42,666.67 ₹ 42,666.67 ₹ 42,666.67 ₹ 42,666.67 ₹ 42,666.67 ₹ 42,666.67 ₹ 42,666.67
Consumables & Stores ₹ 78,750.00 ₹ 78,750.00 ₹ 78,750.00 ₹ 78,750.00 ₹ 78,750.00 ₹ 78,750.00 ₹ 78,750.00
Staff Salary & Wages ₹ 105,166.00 ₹ 105,166.00 ₹ 105,166.00 ₹ 105,166.00 ₹ 105,166.00 ₹ 105,166.00 ₹ 105,166.00
Site Supervision ₹ 900.00 ₹ 950.00 ₹ 980.00 ₹ 1,000.00 ₹ 1,050.00 ₹ 1,100.00 ₹ 1,200.00
Bank Charges ₹ 4,666.67 ₹ 1,750.00 ₹ 1,750.00 ₹ 1,750.00 ₹ 1,750.00 ₹ 1,750.00 ₹ 1,750.00
Interest paid on Loans ₹ 17,500.00 ₹ 18,000.00 ₹ 18,500.00 ₹ 19,000.00 ₹ 19,500.00 ₹ 20,000.00 ₹ 20,500.00
Electricity & Generator
₹ 1,750.00 ₹ 1,800.00 ₹ 1,850.00 ₹ 1,900.00 ₹ 1,950.00 ₹ 2,000.00 ₹ 2,050.00
Charges
General & Misc
₹ 150,000.00 ₹ 152,000.00 ₹ 154,000.00 ₹ 156,000.00 ₹ 158,000.00 ₹ 160,000.00 ₹ 162,000.00
Expenses
Royalty ₹ 66,666.67 ₹ 66,666.67 ₹ 66,666.67 ₹ 66,666.67 ₹ 66,666.67 ₹ 66,666.67 ₹ 66,666.67
Site Expenses ₹ 1,190.00 ₹ 1,290.00 ₹ 1,390.00 ₹ 1,490.00 ₹ 1,590.00 ₹ 1,690.00 ₹ 1,790.00
Stock Insurance ₹ 2,300.00 ₹ 2,300.00 ₹ 2,300.00 ₹ 2,300.00 ₹ 2,300.00 ₹ 2,300.00 ₹ 2,300.00
Tender Paper Expenses ₹ 1,167.00 ₹ 1,177.00 ₹ 1,187.00 ₹ 1,197.00 ₹ 1,207.00 ₹ 1,217.00 ₹ 1,227.00
Printing & Stationery ₹ 2,000.00 ₹ 2,000.00 ₹ 2,000.00 ₹ 2,000.00 ₹ 2,000.00 ₹ 2,000.00 ₹ 2,000.00
Accounting Charges ₹ 1,250.00 ₹ 1,250.00 ₹ 1,250.00 ₹ 1,250.00 ₹ 1,250.00 ₹ 1,250.00 ₹ 1,250.00
Repair & Maintenance ₹ 4,500.00 ₹ 4,500.00 ₹ 4,500.00 ₹ 4,500.00 ₹ 4,500.00 ₹ 4,500.00 ₹ 4,500.00
Other Expenses ₹ 98,000.00 ₹ 99,000.00 ₹ 100,000.00 ₹ 101,000.00 ₹ 102,000.00 ₹ 103,000.00 ₹ 104,000.00
Capital Purchases ₹ 0.00 ₹ 0.00 ₹ 0.00 ₹ 0.00 ₹ 0.00 ₹ 0.00 ₹ 0.00
Total outgoing ₹ 1,328,473.00 ₹ 1,344,266.33 ₹ 1,363,256.33 ₹ 1,116,636.33 ₹ 1,130,346.33 ₹ 1,114,056.33 ₹ 1,128,216.33

Monthly cash balance -₹ 206,473.00 -₹ 199,826.33 -₹ 195,927.33 ₹ 74,039.67 ₹ 84,143.67 ₹ 124,723.67 ₹ 135,339.67
CLOSING BALANCE -₹ 69,451.09 -₹ 269,277.42 -₹ 465,204.76 -₹ 391,165.09 -₹ 307,021.42 -₹ 182,297.76 -₹ 46,958.09

TARGET CASH FLOW ₹ 4,700,000.00 ₹ 4,750,000.00 ₹ 4,800,000.00 ₹ 4,850,000.00 ₹ 4,900,000.00 ₹ 4,950,000.00 ₹ 5,000,000.00
Cash
-₹ 4,769,451.09 -₹ 5,019,277.42 -₹ 5,265,204.76 -₹ 5,241,165.09 -₹ 5,207,021.42 -₹ 5,132,297.76 -₹ 5,046,958.09
Surplus(Deficiency)
Limit will be fixed on th ebasis of peak limit (20.54) but drawing will be monitored by monthly cash budget. The above illustration is for contract specific
limit . However, for seasonal industries there may multipal peaks within a year, limit is to be fixed on the basis of highest peak
Item 1 to 6 represents various operating expenditures, viz procurement cost, production cost, salary & wages, sales & administrative cost, finance cost etc.

This Cash Flow Statement is intended as a GUIDE ONLY and DOES NOT constitute financial advice,
please verify and discuss your financial statements with a qualified accountant, solicitor or financial advisor.
 NOVEMBER DECEMBER JANUARY FEBRUARY MARCH
-₹ 46,958.09 ₹ 99,292.58 ₹ 261,560.24 ₹ 449,359.91 ₹ 551,836.26

₹ 1,288,827.00 ₹ 1,314,604.00 ₹ 1,340,896.00 ₹ 1,319,714.00 ₹ 1,394,688.00

₹ 1,288,827.00 ₹ 1,314,604.00 ₹ 1,340,896.00 ₹ 1,319,714.00 ₹ 1,394,688.00

₹ 541,000.00 ₹ 551,000.00 ₹ 550,000.00 ₹ 608,831.00 ₹ 700,000.00

₹ 42,666.67 ₹ 42,666.67 ₹ 42,666.67 ₹ 42,666.67 ₹ 42,666.67
₹ 78,750.00 ₹ 78,750.00 ₹ 78,750.00 ₹ 78,750.00 ₹ 78,750.00
₹ 105,166.00 ₹ 105,166.00 ₹ 105,166.00 ₹ 105,166.00 ₹ 105,166.00
₹ 1,300.00 ₹ 1,400.00 ₹ 1,500.00 ₹ 1,600.00 ₹ 1,700.00
₹ 1,750.00 ₹ 1,750.00 ₹ 1,750.00 ₹ 1,750.00 ₹ 1,750.00
₹ 21,000.00 ₹ 21,500.00 ₹ 22,000.00 ₹ 24,000.00 ₹ 24,000.00
₹ 2,100.00 ₹ 2,150.00 ₹ 2,200.00 ₹ 2,300.00 ₹ 2,400.00

₹ 164,000.00 ₹ 166,000.00 ₹ 168,000.00 ₹ 170,000.00 ₹ 172,000.00

₹ 66,666.67 ₹ 66,666.67 ₹ 66,666.67 ₹ 66,666.67 ₹ 66,666.67
₹ 1,890.00 ₹ 1,990.00 ₹ 2,090.00 ₹ 2,190.00 ₹ 2,290.00
₹ 2,300.00 ₹ 2,300.00 ₹ 2,300.00 ₹ 2,300.00 ₹ 2,500.00
₹ 1,237.00 ₹ 1,247.00 ₹ 1,257.00 ₹ 1,267.00 ₹ 1,277.00
₹ 2,000.00 ₹ 2,000.00 ₹ 2,000.00 ₹ 2,000.00 ₹ 2,000.00
₹ 1,250.00 ₹ 1,250.00 ₹ 1,250.00 ₹ 1,250.00 ₹ 1,250.00
₹ 4,500.00 ₹ 4,500.00 ₹ 4,500.00 ₹ 4,500.00 ₹ 4,586.00
₹ 105,000.00 ₹ 102,000.00 ₹ 101,000.00 ₹ 102,000.32 ₹ 105,400.00
₹ 0.00 ₹ 0.00 ₹ 0.00 ₹ 0.00 ₹ 0.00
₹ 1,142,576.33 ₹ 1,152,336.33 ₹ 1,153,096.33 ₹ 1,217,237.65 ₹ 1,314,402.33

₹ 146,250.67 ₹ 162,267.67 ₹ 187,799.67 ₹ 102,476.35 ₹ 80,285.67

₹ 99,292.58 ₹ 261,560.24 ₹ 449,359.91 ₹ 551,836.26 ₹ 632,121.92

₹ 5,050,000.00 ₹ 5,100,000.00 ₹ 5,150,000.00 ₹ 5,200,000.00 ₹ 5,250,000.00

-₹ 4,950,707.42 -₹ 4,838,439.76 -₹ 4,700,640.09 -₹ 4,648,163.74 -₹ 4,617,878.08

This Cash Flow Statement is intended as a GUIDE ONLY and DOES NOT constitute financial advice,
please verify and discuss your financial statements with a qualified accountant, solicitor or financial advisor.
 ABDUL HALIM ANSARI
FORM II : OPERATING STATEMENT ( Rupees in Lacs)
For the year ending -
SL PARTICULARS 2022-23 2023-24 2024-25 2025-26
ACTUAL ESTD. PROJ. PROJ.

1 GROSS SALES
(i) Domestic Sales 19.07 45.00 54.00 63.00
(ii) Export Sales 0.00 0.00 0.00 0.00

Total 19.07 45.00 54.00 63.00

2 less : Excise Duty & Others (Sales Tax) 0.00 0.00 0.00 0.00
3 Net Sales 19.07 45.00 54.00 63.00
4 % age rise(+)or fall(-) in net sales as
compared to previous year 136.00% 20.00% 16.67%

5 COST OF SALES
(i) Raw materials(including stores and other
items used in the process of mfg.)
(a) Imported 0.00 0.00 0.00 0.00
(b) Indigenous 4.31 25.33 29.54 35.48

(ii) Other Spares

(a) Imported 0.00 0.00 0.00 0.00
(b) Indigenous 0.00 0.00 0.00 0.00

(iii)Power & fuel 0.00 0.00 0.00 0.00

(iv) Direct labour (factory wages & salary) 6.40 7.02 7.80 8.40
(v)Other direct expenses 0.85 1.06 1.22 1.46
(vi)Depreciation 0.29 0.24 0.21 0.18
(vii)SUB-TOTAL (i + vi) 11.84 33.66 38.77 45.51
(viii) Add: Opening stock
in process 3.03 3.39 5.00 5.30
SUB-TOTAL 14.87 37.04 43.77 50.81
(ix) Deduct : Closing stock
in process 3.39 5.00 5.30 5.80
(x) Cost of Production 11.48 32.04 38.47 45.01
(xi) Add : Opening stock of
finished goods 0.00 0.00 0.00 0.00
SUB-TOTAL 11.48 32.04 38.47 45.01
(xii) Deduct : Closing stock of
finished goods 0.00 0.00 0.00 0.00
(xiii) Total cost of Sales 11.48 32.04 38.47 45.01

6 Selling, general & administrative expenses 4.28 4.67 5.53 6.25

7 Sub-total (5+6) 15.76 36.72 44.00 51.27

8 Operating Profit before interest & depreciation 3.31 8.28 10.00 11.73
9 Interest 0.94 0.95 0.96 0.98
10 Operating profit after interest(8-9) 2.36 7.34 9.04 10.75

11 (i) Add other non-operating Income

(a) Other Income 1.31 1.34 1.38 1.42
(b) 0.00 0.00 0.00 0.00
Sub-total (income) 1.31 1.34 1.38 1.42
 2022-23 2023-24 2024-25 2025-26
(ii) Deduct other non-operating
expenses
(a) 0.00 0.00 0.00 0.00
(b) 0.00 0.00 0.00 0.00

Sub-total (expenses) 0.00 0.00 0.00 0.00

(iii)Net of other non-operating income/expenses 1.31 1.34 1.38 1.42

{Net of 11 (i) & 11 (ii)}

12 Profit before tax/Loss 3.67 8.68 10.42 12.17

{10+11(iii)}

13 Provision for taxes 0.00 0.00 0.00 0.00

14 Net profit/Loss(12-13) 3.67 8.68 10.42 12.17

15 (a) Equity dividend paid 2.87 6.00 8.70 10.45

(b) Dividend tax 0.00 0.00 0.00 0.00
(c) Dividend Rate

16 Retained Profit(14-15) 0.80 2.68 1.72 1.72

17 Retained Profit/Net Profit (%age) 22.00% 30.88% 17.00% 14.00%

 FORM III : ANALYSIS OF BALANCE SHEET
As per Balance Sheet as at
SL PARTICULARS 2022-23 2023-24 2024-25 2025-26
LIABILITIES
CURRENT LIABILITIES
1 Short term borrowings from Bank
(Including bill purch., discounted & excess
borrowings placed on repayment basis)
placed on repayment basis)
(i) From Applicant bank 7.30 9.00 9.00 9.00
(ii)From Other Banks 0.00 0.00 0.00 0.00
(of which BP & BD)
7.30 9.00 9.00 9.00
2 Short term borrowings from others 0.00 0.00 0.00 0.00

3 Sundry Creditors (Trade) 0.37 0.30 0.28 0.34

4 Advance payments from customers/deposits

from dealers 0.00 0.00 0.00 0.00

5 Provision for taxation 0.00 0.00 0.00 0.00

6 Dividend Payable 0.00 0.00 0.00 0.00

7 Other statutory liabilities (due within one year) 0.00 0.00 0.00 0.00

8 Deposits/Instalments of term loans/DPGs 0.00 0.00 0.00 0.00

/Debentures etc. (due within one year)

9 Other current liabilities and provisions 0.36 0.36 0.21 0.27

(due within one year)

10 TOTAL CURRENT LIABILITIES 8.03 9.66 9.49 9.61

(Total of 1 to 9)
TERM LIABILITIES
11 Debentures(not maturing within year) 0.00 0.00 0.00 0.00

12 Preference shares (redeemable after one year) 0.00 0.00 0.00 0.00

13 Term loans (excluding instalments payable

within one year) 0.00 0.00 0.00 0.00

14 Deferred payment credits 0.00 0.00 0.00 0.00

(Exclding instalments due within one year)

15 Term deposits(repayable after year) 0.00 0.00 0.00 0.00

16 Other term Liabilities - Non-refundable unsecured 0.00 0.00 0.00 0.00

loans from friends & relatives
17 TOTAL TERM LIABILITIES 0.00 0.00 0.00 0.00
(Total of 11 to 16)
18 TOTAL OUTSIDE LIABILITIES (10+17) 8.03 9.66 9.49 9.61
SL PARTICULARS 2022-23 2023-24 2024-25 2025-26
NET WORTH
19 Ordinary Share Capital 7.85 8.65 11.33 13.05
Add : Fresh Infusion of Capital 0.00 0.00 0.00 0.00

20 General reserve 0.00 0.00 0.00 0.00

21 Revaluation Reserve 0.00 0.00 0.00 0.00

22 Other reserves(excluding provisions) 0.00 0.00 0.00 0.00

23 Surplus (+) or deficit (-) in P & L A/c 0.80 2.68 1.72 1.72

24 NET WORTH 8.65 11.33 13.05 14.77

25 TOTAL LIABILITIES (18+24) 16.68 20.99 22.54 24.38

ASSETS
CURRENT ASSETS
26 Cash and Bank Balances 1.37 1.46 1.63 1.66

27 Investments(Other than long term)

(i) Government & other trustee securities 0.00 0.00 0.00 0.00
(ii) Fixed deposits with banks 0.00 0.00 0.00 0.00

28 (i) Receivable other than deferred & exports 9.18 10.70 11.50 12.50
(ii)Export receivables(Net of bills purchased facility) 0.00 0.00 0.00 0.00

29 Instalments under deferred receivable 0.00 0.00 0.00 0.00

(due within one year)

30 Inventory :
(i) Raw materials(including store
and other items used in the
process of manufacture)
(a) Imported 0.00 0.00 0.00 0.00
(b) Indigenous 0.00 0.00 0.00 0.00
(ii) Stock-in-process 3.39 5.00 5.30 5.80
(iii) Finished goods 0.00 0.00 0.00 0.00
(iv)Other Consumable stores
(a) Imported 0.00 0.00 0.00 0.00
(b) Indigenous 0.00 0.00 0.00 0.00

31 Advance to suppliers of raw materials etc. 0.00 0.00 0.00 0.00

32 Advance payment of taxes/ insurance 0.17 0.20 0.24 0.28

33 Other current assets (specify major items) 0.00 0.00 0.00 0.00
34 TOTAL CURRENT ASSETS 14.11 17.36 18.67 20.24
(Total of 26 to 33)
FIXED ASSETS
35 Gross Block (land & building 1.91 1.91 1.91 1.91
 machinery,work in progress)

36 Depreciation to date 0.29 0.53 0.74 0.91

37 NET BLOCK (35-36) 1.62 1.38 1.17 0.99

SL PARTICULARS 2022-23 2023-24 2024-25 2025-26

OTHER NON-CURRENT ASSETS

38 Investments/book debts/advances
/deposits which are not current assets

(i) (a)Investments in subsidiary

companies/affiliates 0.00 0.00 0.00 0.00
(b)Others 0.00 0.00 0.00 0.00

(ii) Advances to suppliers of capital goods

& contractors 0.00 0.00 0.00 0.00

(iii)Deferred receivables 0.00 0.00 0.00 0.00

(maturity exceeding one year)
(iv) Others 0.00 0.00 0.00 0.00

39 Non-Consumables stores & spares 0.00 0.00 0.00 0.00

40 Other Non-current assets

(i) Investment in Fixed Assets 0.00 0.00 0.00 0.00
(ii) Misc. non-current assets 0.95 2.25 2.70 3.15

41 TOTAL OTHER NON-CURRENT ASSETS 0.95 2.25 2.70 3.15

(Total of 38 to 40)
42 Intangible assets 0.00 0.00 0.00 0.00
(Patents,goodwill,preliminary expenses,
bad/doubtful debts not provided for etc.)

43 TOTAL ASSETS 16.68 20.99 22.54 24.38

(Total of 34,37,41 & 42) 0.00 0.00 0.00 0.00

44 TANGIBLE NET WORTH(24-42) 8.65 11.33 13.05 14.77

45 NET WORKING CAPITAL 6.08 7.70 9.18 10.63

{(17+24)-(37+41+42) to tally with (34-10)}

46 Current Ratio(34/10) 1.76 1.80 1.97 2.11

47 Total Outside Liabilities/Tangible Net worth 0.93 0.85 0.73 0.65

ADDITIONAL INFORMATION

(A) Arrears of depreciation

(B) Contingent Liabilities : 0.00 0.00 0.00 0.00

(i) Arrears of cumulative dividends 0.00 0.00 0.00 0.00

 (ii) Gratuity liability not provided for 0.00 0.00 0.00 0.00

(iii)Disputed excise/customs/tax liabilities 0.00 0.00 0.00 0.00

(iv) Other liabilities not provided for 0.00 0.00 0.00 0.00

FORM IV : COMPARATIVE STATEMENT OF CURRENT ASSETS & CURRENT LIABILITIES

SL PARTICULARS 2022-23 2023-24 2024-25 2025-26

CURRENT ASSETS

1 Raw materials(including stores & other

items used in the process of mfg.)
(a) Imported 0.00 0.00 0.00 0.00
(Months' import consumption) 0.00 0.00 0.00 0.00
(b) Indigenous 0.00 0.00 0.00 0.00
(Months' indigenous consumption) 0.00 0.00 0.00 0.00
2 Other Consumable stores, spares, excluding
those included in 1 above
(a) Imported 0.00 0.00 0.00 0.00
(Months' import consumption) 0.00 0.00 0.00 0.00
(b) Indigenous 0.00 0.00 0.00 0.00
(Months' indigenous consumption) 0.00 0.00 0.00 0.00
3 Stock-in-process 3.39 5.00 5.30 5.80
(Months' cost of sales) (3.54) (1.87) (1.65) (1.55)
4 Finished goods 0.00 0.00 0.00 0.00
(Months' cost of sales) 0.00 0.00 0.00 0.00
5 Receivables other than export & deferred 9.18 10.70 11.50 12.50
(Including bills purchased & discounted)
(Months' Domestic sales) (5.78) (2.85) (2.56) (2.38)
6 Export receivables 0.00 0.00 0.00 0.00
(Months' Export sales) 0.00 0.00 0.00 0.00
7 Advances to suppliers of raw materials &
stores/spares, consumables 0.00 0.00 0.00 0.00
8 Other current assets including
cash & bank balances & deferred
receivables due within one year 1.54 1.66 1.87 1.94

9 TOTAL CURRENT ASSETS 14.11 17.36 18.67 20.24

(To agree with 34 in form III)

CURRENT LIABILITIES
(Other than bank borr. for working capital)

10 Creditors for purchases of raw materials,

stores & consumable spares 0.37 0.30 0.28 0.34
(Months' indigenous purchases) (1.02) (0.14) (0.11) (0.11)
11 Advances from customers 0.00 0.00 0.00 0.00

12 Statutory liabilities (TDS) 0.00 0.00 0.00 0.00

 13 Other Current Liabilities (Creditors for expenses) 0.36 0.36 0.21 0.27
(Specify major items)

14 TOTAL 0.73 0.66 0.49 0.61

(To agree with sub-total B form III)

FORM V : COMPUTATION OF MAXIMUM PERMISSIBLE BANK FINANCE

FOR WORKING CAPITAL

SL PARTICULARS 2022-23 2023-24 2024-25 2025-26

1 Total Current Assets (9 in form IV) 14.11 17.36 18.67 20.24

2 Other Current Liabilities (other than bank borrowings) 0.73 0.66 0.49 0.61
(14 in Form IV)

3 Working Capital Gap (WCG) (1 - 2 ) 13.38 16.70 18.18 19.63

4 Min stipulated net working Capital 3.34 4.18 4.55 4.91

i.e. 25% of WCG/ 25% of total current 3.53 4.34 4.67 5.06
assets as the case may be depending
upon the method of lending being
applied (Export receivables to be
excluded under both methods) - Higher 3.53 4.34 4.67 5.06

5 Actual/projected net working 6.08 7.70 9.18 10.63

capital (45 in Form III)

6 Item 3 minus item 4 9.85 12.36 13.51 14.57

7 Item 3 minus item 5 7.30 9.00 9.00 9.00

8 Maximum permissible bank finance 7.30 9.00 9.00 9.00

(Item 6 or 7 whichever is lower)

9 Excess borrowings representing -2.55 -3.36 -4.51 -5.57

short fall in NWC ( 4 - 5 )
 FORM VI : FUNDS FLOW STATEMENT

SL PARTICULARS 2023-24 2024-25 2025-26

1 SOURCES
a) Net Profit(after income tax & dividend tax) 8.68 10.42 12.17
b) Depreciation 0.24 0.21 0.18
c) Increase in Capital 2.68 1.72 1.72
d) Increase in term liabilities 0.00 0.00 0.00
(Including public deposits)
e) Decrease in -
i) Fixed Assets 0.00 0.00 0.00
ii)Other non-banking assets 0.00 0.00 0.00
iii)Others (Intangible assets) 0.00 0.00 0.00
f) TOTAL 11.60 12.35 14.07

2 USES
a) Net loss 0.00 0.00 0.00
b) Decrease in term liabilities 0.00 0.00 0.00
(Including public deposits)
c) Increase in -
i) Fixed Assets 0.00 0.00 0.00
ii)Other non-current assets 1.30 0.45 0.45
d) Dividend payments 6.00 8.70 10.45
e) Dividend tax 0.00 0.00 0.00
f) Others (Intangible assets) 0.00 0.00 0.00
g) Total 7.30 9.15 10.90
3 Long term surplus(+)/Deficit(-) 4.31 3.20 3.17

4 Increse/Decrease in current assets 3.26 1.31 1.57

(**-as per details given below)

5 Increase/Decrease in current liabilities

other than bank borrowings -0.07 -0.17 0.12

6 Increase/decrease in working capital gap 3.32 1.48 1.45

7 Net surplus(+)/deficit(-) 0.98 1.72 1.72

(Difference of 3 & 6)
 8 Increase/Decrease in Bank borrowing 1.70 0.00 0.00

** Details of increase/decrease in current assets

Increase/Decrease in Stocks 1.61 0.30 0.50

Increase/Decrease in receivables
a)Domestic 1.52 0.80 1.00
b)Export 0.00 0.00 0.00

Increase/Decrease in other current assets 0.13 0.21 0.07

Total of ** 3.26 1.31 1.57

KEY PERFORMANCE INDICATORS

( Rupees in Lacs)
COMPANY :
For the year ending -
SL PARTICULARS 2022-23 2023-24 2024-25 2025-26
ACTUAL ESTD. PROJ. PROJ.

1 NET SALES 19.07 45.00 54.00 63.00

2 INCREASE/DECREASE % 136.00% 20.00% 16.67%

3 PBT 3.67 8.68 10.42 12.17

4 PBT/SALES % 19.27% 19.29% 19.30% 19.32%

5 PAT 3.67 8.68 10.42 12.17

6 PAT/SALES % 19.27% 19.29% 19.30% 19.32%

7 CASH ACCRUALS 3.96 8.92 10.63 12.35

8 P.U. CAPITAL 8.65 11.33 13.05 14.77

9 TNW 8.65 11.33 13.05 14.77

10 TOL 8.03 9.66 9.49 9.61

11 TOL/TNW 0.93 0.85 0.73 0.65

12 CURRENT RATIO 1.76 1.80 1.97 2.11

13 PBDIT/INTEREST (TIMES) 5.21 10.44 12.07 13.60

14 PBT/TTA (%) 22.03% 41.36% 46.24% 49.92%

 15 NET SALES/TTAs 1.14 2.14 2.40 2.58

16 Operating Cost / Net Sales (%) 87.60% 83.69% 83.26% 82.93%

17 ABF/TCA (%) 51.77% 51.84% 48.20% 44.47%

18 NWC/TCA (%) 43.08% 44.36% 49.17% 52.51%

19 (Inventory + Receivable)/Net Sales - Days 241 127 114 106

(Inventory + Receivable)/Net Sales - (%) 65.9% 34.9% 31.1% 29.0%

20 R.O.C.E. 29.38% 47.02% 51.41% 54.66%

ASSESSMENT OF WORKING CAPITAL REQUIREMENT :

( Rupees in Lacs)
COMPANY :
i. Inventory and Receivables Levels : For the year ending -
SL PARTICULARS 2022-23 2023-24 2024-25 2025-26
ACTUAL ESTD. PROJ. PROJ.

1 Raw Materials 0.00 0.00 0.00 0.00

(Day's projected consumption) 0 0 0 0

Imported
(Day's projected consumption)

Indigineous 0.00 0.00 0.00 0.00

(Day's projected consumption) 0 0 0 0

2 Stock in Progress 3.39 5.00 5.30 5.80

(Day's COP) (3.54) (1.87) (1.65) (1.55)

3 Finished Goods 0.00 0.00 0.00 0.00

(Day's COP) 0.00 0.00 0.00 0.00

4 Receivables 9.18 10.70 11.50 12.50

(Other than export and deferred receivables) (5.78) (2.85) (2.56) (2.38)
(Day's domestic Sales)

5 Export Receivables
(Day's export Sales)

Total Receivables 9.18 10.70 11.50 12.50

(Day's Gross Sales) (5.78) (2.85) (2.56) (2.38)
TOTAL CYCLE : (9.32) (4.72) (4.21) (3.93)
 ABDUL HALIM ANSARI
NAWADIH TOLA, RAHARGORA, CHANDANKIYARI
DISTI- BOKARO, STATE- JHARKHAND- 828134
-

Book Debts Method

Insured Stock 500000.00

less : S. Creditors 30000.00
Paid Stock 470000.00
less : Margin @ 25% 117500.00 A
352500.00

Debtor 1070000.00
less : Margin @ 40 % 428000.00
on above
642000.00 B
Drawing Power ( A+B) 994500.00
 ANNEXURE - III
SMALL BUSINESS FINANCE

(APPLICATION FORM FOR WORKING CAPITAL/EQUIPMENT

FINANCE FOR TRADERS/BUSINESS ENTERPRISES)

To #REF!
The Chief Manager, (Name of Business)
State Bank of India.
Administrative Building Branch
Bokaro Steel City

I. PROPOSAL
Working Capital
Application for Fresh Sanction of C/C Limit
Nature of facility Limit Remarks
Existing Proposed
Cash Credit Limit Nil Rs. 4.00 Lakhs Fresh Sanction

Equipment Finance NIL

II. BUSINESS INFORMATION

(1) Name of Business : #REF!

(2) When established : SINCE 2002

(3) Address : (a) Office

###
###
(b) Residence Address of Proprietor
Sector VIII/D, Qr. No. 2016
St. No. 50, B.S.CITY

(4) Whether business premises Leased

are rented/owned

(5) Constitution : Proprietorship

Names of Proprietor
SUBHASH CHANDRA JHA

(6) Commodities traded in : Civil, Mechanical & Refactory Contractor

(7) Capital invested in the Business #REF!

(8) Other liabilities to the Bank

 Direct Indirect
NIL NIL

(9) Details of Outside Borrowings

Amount Nature of Rate of
Loan interest
(a) From other credit
Institutions Nil

(b) From others :

Sundry Creditors Rs. 0.72 Lacs Unsecured Recurring in nature

III. COLLATERAL
(i) Guarantor(s)
(a) Name(s) of guarantor(s) :

(b) Occupation :

(c) Approx. monthly income

(d) Address Office

Residence

(e) Banker's name, if any

(f) Approximate value of

immovable properties, if any

(g) Is the immovable property

encumbered ?
If so, please furnish brief details
to the extent possible.
(h) Other liabilities to the Bank :

(ii) Details of Owner's immovable property NIL

(a) Location
(b) Approximate value

IV. PAST PERFORMANCE (in Rs. 000s)

(i) 03-04 04-05
Contract Recpt. : (Rs.) #VALUE! #VALUE!
Purchases : (Rs.) #VALUE! #VALUE!
Expenses : (Rs.) 295 326
Net Profit : (Rs.) #VALUE! #VALUE!
 (ii) Comments on trend of sales & profit
Profit and Gross Profit has been improved in past.

V. EXPECTED PERFORMANCE (in Rs. 000s)

(Furnish for 3 years, only if
possible) 2005-06 2006-07
Contract Recpt. : (Rs.) #VALUE! #VALUE!
Purchases : (Rs.) #VALUE! #VALUE!
Expenses : (Rs.) 395 480
Net Profit : (Rs.) #VALUE! #VALUE!

Note : If figures under V vary largely with Due to Bank Finance the unit will be able
figures under IV, brief explanation to work on more and more contracts and
may be given. thus help to increase the receips and profit.

VI. COMMENTS ON FINANCIAL POSITION Statement is enclosed.

(Attach a statement of assets and liabilities
as on a recent date)

VII. PURPOSE OF THE PROPOSED ADVANCE/LOAN

(i) Working Capital
(a) Repayment of loan from multants/money lender
(b) To meet shortfall in working capital
For carrying higher stock

(ii) Equipment Finance

(Indicate briefly why the equipment
is needed and how it will assist in Not Applicable
augmenting income from business)

VIII. MISCELLANEOUS INFORMATION

(i) Purchases Purchases of various contract materials are made
(Brief comments on purchasing from the various of suppliers of the district. Credit
arrangements) is allowed to us on purchases.

(ii) Storage : Goods are stored at the site where the contract
(How much of stocks on public work is done. We have enough experience to
display and how much in reserve, store the materials convieniently and safely.
whether facilities are adequate &
satisfactory).

(iii) Marketing : We get the contract works from the HSCL, BSL,
 (Comments on class of clientele MECON,and BPSCL. We do the Mechanical, Civil,
& locational advantages, if any) & Refractory Contracts and we are a registered firm
thus there is no problem in acquiring the contract
works.

(iv) Management & Organisation :

(i) Who looks after day-to-day Proprietor himself with assistance of Supervisors.
management

(ii) Experience of proprietor/partners/ Since 6 Years

members of the co-operative society

(iii) Number of staff employed No. of employees

(a) Permanent employees 2
(b) Temporary employees As per contract work
(c) Expected increase in the
number of employees after
availing the Bank's advance N. A.

(v) (i) Income-Tax :

(a) Assessment finalised upto ……….………………………………………………….
(b) Arrear of Tax, if any ………Nil………………………………………………………..
* If in arrears, please state reasons

(ii) Sales-Tax :
(a) Assessment finalised upto : ……….………………………………………………….
(b) Arrear of Tax, if any : ……Nil……………………………………………………..
* If in arrears, please state reasons

IX. ANY OTHER GENERAL INFORMATION :

I/We confirm that

(a) I / We certify that, to the best of my/our knowledge and belief, the information
furnished above is true and correct.

(b) I/We have no borrowing arrangement(s) with any other bank/financial institution
other than those mentioned above nor shall I/we resort to any borrowing arrange-
ment(s) with other Bank/financial institution during the currency of Bank's advance
and that I/we shall confine all my dealings to your bank.
 (c) I/we shall furnish as at the end of every quarter ending 31st March, 30th June,
30th September & 31st December a certificate in the form required by the Bank
regarding my/our sales turnover.

(d) No judgement, garnishee or other legal proceedings are pending against me/us.

PLACE : CHAS

DATE : Signature of the Applicants

 ANNEXURE - IV
Proposal Form

(TO BE SUBMITTED IN DUPLICATE)

SMALL BUSINESS FINANCE WORKING CAPITAL

STATE BANK OF INDIA

Administrative Building Branch
Proposal No. ………..
1. Name and Address : ### Date ……………………..
of the Party

2. Nature of Proposal NEW PROPOSAL OF CASH CREDIT FACILITY

New/Renewal/Enhancement/ Rs 4,00,000/-
Additional/Changes in terms

3. Date of Establishment SINCE 2002

4. Business:
(i) If a trader, please detail commodities Civil, Mechanical & Refactory Contractor
traded in

(ii) If a business enterprise, please state

the nature of enterprise and the
original cost of the existing equipment.
(iii) If a professional & self-employed
person(s) please indicate his
professional qualification and the
nature of services rendered.

5. Approximate distance of party, place of :

business from the branch

6. Constitution : Proprietorship
* Proprietorship/Partnership/Co-operative
Society
Name(s) of Proprietor(s) / Partner(s) / Director(s)
1. SUBHASH CHANDRA JHA
2.
3.
Date of registration of Partnership/Co-operative Society :
(A true copy of partnership deed/registered bye-laws to be enclosed)
7. Credit Report Estimated total means Rs. Lakhs including
immovable property valued at ……………..... vide
Opinion Index Sheet No. ……………..Dated………….
I confirm that the party continues to
enjoy good credit.
8. When & by whom the limit was last sanctioned/renewed/reviewed : Not Applicable

9. Particulars of existing & proposed credit limit(s) :

Nature of Existing Proposed Whether the

Credit Amount Rate of Amount Rate of account was

Security Margin Margin
Limit of Limit Interest of Limit Interest satisfactorily
operated
Cash Stock
Credit TPG Nil Rs. 4.00 25% New Account
Limit STDR Lakhs

(An assessment of working capital is enclosed in the Annexure)

Briefly describe unsatisfactory features, if any.

10. Periodicity of Stock Statement Monthly submission of Stock Statement

11. Insurance of Stocks Stocks will be insured against fire for full value
in the joint names of the Bank and the borrower(s)
and the policy(ies) will be lodged with the Bank.

12. Periodicity of Inspection At least once in a month at irregular intervals by an

authorised supervising official.

13. Repayment The limit will be reduced on *Monthly/*Quarterly/*Half-yearly/

*Yearly basis by Rs. ……………………………………………
The limit will be renewable after 12 months.

14. Capital investment in business #REF!

15. Other liabilities to the Bank, if any

(a) Direct : Nil
(b) Indirect : Nil

16. Particulars of outside borrowings :

 Name of Creditors Amount Security
(i) Sundry Creditors Rs. 0.72 Lacs Unsecured
(ii)

17. Please indicate nature of interest of the applicant(s) in the concerns :

No associate concerns.

* Strike out whichever is not applicable.

18. Storage : Goods are stored at the construction site. There is no need
(How much of stocks on public of display so cent percent stock is under reserve and easily
display and how much in reserve, approachable. Storage facility is maintained convieniently
whether facilities are adequate & and safely.
satisfactory).

19. Marketing : We get the construction works from the HSCL, BSL, MECON
(Comments on class of clientele & BPSCL Plants. We are a registered firm thus having no problems
& locational advantages, if any) in getting the contract jobs and are having good relations with the
officers due to our excellent working.

20. Management :
(i) Who looks after day-to-day Proprietor himself with assistance of the supervisors
management
(ii) Experience of proprietor/partners/ Since 6 Years
members of the co-operative society
(iii) Number of staff employed No. of employees
(a) Permanent employees 2
(b) Temporary employees As per contract job
(c) Expected increase in the
number of employees after
availing the Bank's advance Nil

21. (i) Income-Tax :

(a) Assessment finalised upto : ………………………………………………………………..
(b) Arrear of Tax, if any : ………………………………………………………………..
* If in arrears, please state reasons
22. (i) Sales-Tax :
(a) Assessment finalised upto : ………………………………………………………………..
(b) Arrear of Tax, if any : ………………………………………………………………..
* If in arrears, please state reasons

23. Collateral Security, if any :

(i) Title deeds of immovable properties

detailed, in the opinion report index

No. ……………….. Worth Rs. ………………..

have been deposited with an agreement

to create mortgage.

(ii) Guarantee of ………………………………..

………………………………with estimated

net means of Rs. ……...… including

immovable properties worth Rs. ……. Lakhs

vide opinion Index No. …………… dated

………….……… The party continues to

enjoy good credit.

(iii) Details of any other collateral security FD of Rs. 1.50 Lacs in the name of Firm

may be given.

24. Guarantor's other liability to the Bank

(i) Direct : Nil

(ii) Indirect : Nil

25. Performance : (000's omitted)

Year : 2003-04 2004-05

Rs. Rs.

(i) Contract Receipts ### #VALUE!

Purchases ### #VALUE!

Expenses 295 326

Net Profit ### #VALUE!

 (ii) Comments of trade of sales

and profits Both Sales and Profits has been increased in past.

26. Expected Performance : (000's omitted)

2005-06 2006-07
Rs. Rs.
(i) Contract Receipts ### ###
Purchases ### ###
Expenses 395 480
Net Profit ### ###

Note : If figures under 26 vary largely with those under 25 brief explanation may be given.
Availing the Bank finance the unit will be able to purchase the required raw materials &
thus could work on more and more contracts.

27. Particulars of the account NEW ACCOUNT

(i) Debit Summations
(ii) Credit Summations
(iii) Highest Outstandings

28. Financial Position : Attached

(Attach a statement of assets & liabilities as on a recent date)

29. General Remarks, if any :

30. Recommendation :
31. Sanction :

ANNEXURE

I. Assessment of working capital requirements (in Rs. '000s)

Sales in the previous year (2004-05) (Rs.) ###

Purchases in the previous year (2004-05) (Rs.) ###

Estimated sales for the current year (2005-06) (Rs.) ###

Estimated purchases for the current year (2005-06) (Rs.) ###

II. Working capital requirements For Financial Yr. 2005-06

Estimated average stock holding at any one time (Rs.) ###

Estimated average receivable at any one time (Rs.) ###

(Rs.) ###

Estimated credit enjoyed on purchases (Rs.) ###

Working capital required

(Rs.) #VALUE!

III. Sources from which required working capital would be met

Net working capital in business (Excess of

current assets over current liabilities)
(As on 31.03.2005) (Rs.) 150

Bank finance recommended (Rs.) 400

Other sources (specify) (Rs.) ###

 Net Profit Accural
(Rs.) ###

IV. Break-up of Bank finance

Pledge limit (State lock & key or mandi type) (Rs.) Nil

Hypothecation limit (Rs.) Rs. 4,00,000/-

Rs. 4,00,000/-
(Rs.)
 PARTICULARS OF BORROWER / GUARANTOR

1. Name : RAMESH KUMAR KEJRIWAL Age : 28 Yrs. S/o. : SRI ASHOK KUMAR
2. Education / qualification : I. Com. KEJRIWAL
3. Permanent Address : MAIN ROAD, CHAS P.S. CHAS
4. Present Address : SAME P.S.
5. Residing at B. S. City since : Birth
6. Monthly Income : Rs. 6,000/-
7. Associated with M/s. RUPESH ENTERPRISES as PROPRIETOR
M/s. as
M/s. as
(Recent Balance Sheet is to be enclosed)
8. IT/ST/WT No. ALQPK3372A Date of Last Assessment :
(Clearance certificate is to be enclosed)
9. Presently Banking with :
10. ( 1 ) Particulars of Assets :
a) Land & Building Rs. Detail copy of deed to be enclosed.
b) Furniture & Fittings Rs. 25,000/-
c) Other Movable assets Rs. 40,000/- NSC with accrued interest
d) Investment in Business Rs. 2,87,702/-
e) Cash in Hand Rs. 25,000/-
Total : Rs. 3,77,702/-

( 2 ) Particulars of Liabilities : Nil

a) Bank Borrowings Rs.
b) Outside Borrowings Rs.
c) Contingent Liabilities Rs.
Total : Rs.

( 3 ) Net Worth Rs. 3,77,702/-

11. Detail of Bank Accounts.

Name of the Bank A/c. No. Balance Outstanding Date of Sanction

(Detail of Repayment Programme, Security Provided/Maturity to be enclosed.)

12. Any other special information relating to finance business :-

I hereby certify that the above particulars are correct, I also certify that I have not hided/
omitted any important information relating to my financial business position. I fully
understand the implications or Bank Finance and undertake to maintain required
financial discipline in case, I am financed/ stand guarantee for an advance to ...........………

Signature
 PARTICULARS OF BORROWER / GUARANTOR

1. Name : KANTA DEVI AGARWAL Age : 48 Yrs. w/o. :Sri Ashok Kumar
2. Education / qualification : Matric Kejriwal
3. Permanent Address : Main Road, Chas P.S. Chas
4. Present Address : same P.S.
5. Residing at B. S. City since : 30 years
6. Monthly Income : Rs. 7,000/- (Income from plying of delivery vans 2 nos)
7. Associated with M/s. as
M/s. as
M/s. as
(Recent Balance Sheet is to be enclosed)
8. IT/ST/WT No. Date of Last Assessment :
(Clearance certificate is to be enclosed)
9. Presently Banking with :
10. ( 1 ) Particulars of Assets :
a) Land & Building Rs. 12,00,000/- Residential building at
Main Rd, Chas
b) Furniture & Fittings Rs. 1,00,000/-
c) Other Movable assets Rs. 85,000/- NSC, KVP, F.D.
Rs. 2,00,000/- Gold & Jewellery
d) Investment in Business Rs. 60,000/- Delivery Vans - 2 nos.
e) Cash in Hand Rs. 50,000/- Cash, Bank, others
Total : Rs. 16,95,000/-

( 2 ) Particulars of Liabilities : Nil

a) Bank Borrowings Rs.
b) Outside Borrowings Rs.
c) Contingent Liabilities Rs.
Total : Rs.

( 3 ) Net Worth Rs. 16.95 Lacs

11. Detail of Bank Accounts.

Name of the Bank A/c. No. Balance Outstanding Date of Sanction

(Detail of Repayment Programme, Security Provided/Maturity to be enclosed.)

12. Any other special information relating to finance business :-

I hereby certify that the above particulars are correct, I also certify that I have not hided/
omitted any important information relating to my financial business position. I fully
understand the implications or Bank Finance and undertake to maintain required
financial discipline in case, I am financed/ stand guarantee for an advance to M/s Rupesh Enterprises
(Proprietor - Sri Ramesh Kumar Kejriwal)

Signature