Professional Documents
Culture Documents
FORM - I
PARTICULARS OF EXISTING / PROPOSED LIMITS FROM THE BANKING SYSTEM
(Limits from all Banks and Financial Institutions as on date of application)
Name: ( Rs.in lakhs )
Sl. No.
NAME OF BANK / FINANCIALNATURE OF FACILITY EXISTING EXTENT TO WHICH LIMITS BAL.O/S LIMITS NOW
INSTITUTION LIMITS WERE UTILISED DURING AS ON REQUESTED
LAST 12 MONTHS 31st March, 2008 2008 - 2009
MAX. MIN.
A. WORKING CAPITAL LIMITS:
FUND BASED
B. TERM LOANS/DPGS
EXCLUDING WORKING
CAPITAL TERM LOANS
TOTAL - - - - -
CREDIT MONITORING ARRANGEMENT WORKING CAPITAL ASSESSMENT
Sl. No. Name of the Associate Annual makeup of A/c Limits from all Banks and fincial institutions
Company & Activity (Date of B/S)
Name of Working Capital Term loan Overdues,if
Bank/finan Funds Non-fund & any
cial Instn. Based Based DPG
ASSESSMENT OF WORKING CAPITAL REQUIREMENTS
a) Domestic Sales
b) Export Sales - - - - - -
c) Sub-total (a+b) - - - - - -
Less: Excise Duty - - - - - -
Net Sales - - - - - -
d) Percentage rise (+) or fall (-) in sales turnover as
compared to previous year 0.00% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Contd...2
ASSESSMENT OF WORKING CAPITAL REQUIREMENTS
14. RETAINED PROFIT/NET PROFIT (%AGE) [13 / 11] - 100.00 100.00 100.00 100.00 100.00
Contd...4
ASSESSMENT OF WORKING CAPITAL REQUIREMENTS
Contd...5
ASSESSMENT OF WORKING CAPITAL REQUIREMENTS
NET WORTH
19. Share capital
20. General reserve
21. Revaluation Reserve
22. Other reserves ( excluding provisions )
23. Surplus (+) or deficit (-) in
Profit & Loss account - - - - - -
24. NET WORTH - - - - - -
25. TOTAL LIABILITIES ( 18 + 24 ) - - - - - -
Contd...6
ASSESSMENT OF WORKING CAPITAL REQUIREMENTS
Contd...7
ASSESSMENT OF WORKING CAPITAL REQUIREMENTS
35. Gross Block (land, building, machinery, furniture, fittings & vehicles)
36. Depreciation to date - - - - -
37. NET BLOCK (35-36) - - - - - -
Contd...8
ASSESSMENT OF WORKING CAPITAL REQUIREMENTS
Contd...9
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
ASSESSMENT OF WORKING CAPITAL REQUIREMENTS
FORM - V : COMPUTATION OF MAXIMUM PERMISSIBLE BANK FINANCE FOR WORKING CAPITAL [MPBF]
1. TOTAL CURRENT ASSETS (9 in Form -IV) #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
2. Other Current Liabilities (Other than bank borrowing) #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
3. Working capital gap (WCG) (1-2) #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
4. Minimum Stipulated Net Working Capital #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
i.e.25% of WCG
8. Maximum permissible bank finance [MPBF] #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Contd…10
ASSESSMENT OF WORKING CAPITAL REQUIREMENTS
RATIO ANALYSIS
Name:
Page 11
As per Profit & Loss account actuals/
estimates for the year ended/ending
LAST 2 YEARS
ACTUALS AS PER ACTUALS ESTIMATES ESTIMATES ESTIMATES
AUDITED ACCOUNTS
Usual 31.03.2006 31.03.2007 31.03.2008 31.03.2009 31.03.2010 31.03.2011
Norm (1) (2) (3) (4) (5) (6)
EFFICIENCY RATIOS:
Net Sales / Total Tangible Assets (Times) >1.50 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
PBT / TTA (%) >5.00% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Operating Cost / Net Sales (%) <75.00% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Bank Finance / Current Assets (%) <50.00% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Inventory+Receivables / Net Sales (Days) <60 Days #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
LIQUIDITY RATIOS:
Current Ratio >1.33 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Acid Test Ratio >1.00 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Bank Finance to WCG Ratio <0.75 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
LEVERAGE RATIOS:
Debt Equity Ratio <2.00 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
TOL / TNW <3.00 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Debt-Assets Ratio <0.60 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Fixed Assets Coverage <0.60 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Interest Coverage Ratio >2.00 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
TURNOVER RATIOS:
Inventory Turnover Period (Days) <30 Days #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Average Collection Period (Days) <30 Days #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Total Assets Turnover (Times) >1.00 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Average Credit Period (Days) - Creditors <30 Days #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Bank Finance Turnover (Times) >5.00 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Current Assets Turnover (Times) >3.00 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
PROFITABILITY RATIOS:
Net Profit Margin after tax (%) >5.00% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Net Income to Assets Ratio (%) >10.00% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Return on Investment (%) [PBDIT/TTA] >20.00% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Return on Equity (%) >18.00% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Operating Profitability (%) >20.00% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Pre-Tax Profitability (%) >15.00% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
PBT / TTA (%) >10.00% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
STRUCTURAL RATIOS:
Retained Profit (%) >20.00% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Raw Material Content (%) <50.00% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Operating Cost / Sales (%) <75.00% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Signs:
< = Less Than
> = More Than
CALCULATION OF TERM LOAN INTEREST AND REPAYMENT SCHEDULE
Rate of Interest on Loan : 18.5
::