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Formulae
 FG stocks 60 days of sales 1
Wastage 7% 2
Debtors 60 days of sales 3
Creditors for Goods 30 days of BOM 4
Creditors for Service 30 days of Service 5
Assets Contingency 6
7
8
9
10
11
12
13

Sales Assumptions
Growth Units Q1Y1 Q2Y1 Q3Y1 Q4Y1 Yr1 Q1Y2 Q2Y2 Q3Y2 Q4Y2
25% Laminar Airflow 40 40 40 40 160 50 50 50 50
25% Bio Safety Cabinet 10 10 10 10 40 10 10 10 10
25% Fume Hood 13 13 13 13 52 20 20 20 20
25% Pass Box 32 32 33 33 130 40 40 40 40
25% Power Dispensing 8 8 8 8 32 10 10 10 10
25% Air Shower 8 8 8 8 32 10 10 10 10
25% Sterile Storage Cabi 16 16 16 16 64 20 20 20 20
25% Clean Rooms 1 1 1 1 4 1 1 1 2
Yr2 Q1Y3 Q2Y3 Q3Y3 Q4Y3 Yr3 Q1Y4 Q2Y4 Q3Y4 Q4Y4 Yr4
200 60 60 60 60 240 80 80 80 80 320
40 10 10 10 10 40 10 10 10 10 40
80 30 30 30 30 120 40 40 40 40 160
160 50 50 50 50 200 60 60 60 60 240
40 10 10 10 10 40 10 10 10 10 40
40 10 10 10 10 40 10 10 10 10 40
80 30 30 30 30 120 40 40 40 40 160
5 1 2 2 2 7 2 2 2 3 9

96
Q1Y5 Q2Y5 Q3Y5 Q4Y5 Yr5
100 100 100 100 400
10 10 10 10 40
50 50 50 50 200
80 80 80 80 320
10 10 10 10 40
10 10 10 10 40
50 50 50 50 200
3 3 3 3 12
Nos Units Q1Y1 Q2Y1 Q3Y1 Q4Y1 Yr1 Q1Y2 Q2Y2
Laminar Airflow 40 40 40 40 160 50 50
Bio Safety Cabinet 10 10 10 10 40 10 10
Fume Hood 13 13 13 13 52 20 20
Pass Box 32 32 33 33 130 40 40
Power Dispensing 8 8 8 8 32 10 10
Air Shower 8 8 8 8 32 10 10
Sterile Storage Cabinet 16 16 16 16 64 20 20
Clean Rooms 1 1 1 1 4 1 1

Selling Price
10% Laminar Airflow 1.00 1.00 1.00 1.00 1.00 1.00 1.00
10% Bio Safety Cabinet 1.75 1.75 1.75 1.75 1.75 1.75 1.75
10% Fume Hood 1.85 1.85 1.85 1.85 1.85 1.85 1.85
10% Pass Box 0.70 0.70 0.70 0.70 0.70 0.70 0.70
10% Power Dispensing 3.00 3.00 3.00 3.00 3.00 3.00 3.00
10% Air Shower 3.00 3.00 3.00 3.00 3.00 3.00 3.00
10% Sterile Storage Cabinet 1.50 1.50 1.50 1.50 1.50 1.50 1.50
10% Clean Rooms 50.00 50.00 50.00 50.00 50.00 50.00 50.00

BOM
40% Laminar Airflow 0.40 0.40 0.40 0.40 0.40 0.40 0.40
40% Bio Safety Cabinet 0.70 0.70 0.70 0.70 0.70 0.70 0.70
40% Fume Hood 0.74 0.74 0.74 0.74 0.74 0.74 0.74
40% Pass Box 0.28 0.28 0.28 0.28 0.28 0.28 0.28
40% Power Dispensing 1.20 1.20 1.20 1.20 1.20 1.20 1.20
40% Air Shower 1.20 1.20 1.20 1.20 1.20 1.20 1.20
40% Sterile Storage Cabinet 0.60 0.60 0.60 0.60 0.60 0.60 0.60
40% Clean Rooms 20.00 20.00 20.00 20.00 20.00 20.00 20.00

Total Sales 225.95 225.95 226.65 226.65 905.20 272.50 272.50

Laminar Airflow 40.00 40.00 40.00 40.00 160.00 50.00 50.00
Bio Safety Cabinet 17.50 17.50 17.50 17.50 70.00 17.50 17.50
Fume Hood 24.05 24.05 24.05 24.05 96.20 37.00 37.00
Pass Box 22.40 22.40 23.10 23.10 91.00 28.00 28.00
Power Dispensing 24.00 24.00 24.00 24.00 96.00 30.00 30.00
Air Shower 24.00 24.00 24.00 24.00 96.00 30.00 30.00
Sterile Storage Cabinet 24.00 24.00 24.00 24.00 96.00 30.00 30.00
Clean Rooms 50.00 50.00 50.00 50.00 200.00 50.00 50.00

Total BOM 90.38 90.38 90.66 90.66 362.08 109.00 109.00

Laminar Airflow 16.00 16.00 16.00 16.00 64.00 20.00 20.00
Bio Safety Cabinet 7.00 7.00 7.00 7.00 28.00 7.00 7.00
Fume Hood 9.62 9.62 9.62 9.62 38.48 14.80 14.80
Pass Box 8.96 8.96 9.24 9.24 36.40 11.20 11.20
Power Dispensing 9.60 9.60 9.60 9.60 38.40 12.00 12.00
Air Shower 9.60 9.60 9.60 9.60 38.40 12.00 12.00
Sterile Storage Cabinet 9.60 9.60 9.60 9.60 38.40 12.00 12.00
Clean Rooms 20.00 20.00 20.00 20.00 80.00 20.00 20.00
Q3Y2 Q4Y2 Yr2 Q1Y3 Q2Y3 Q3Y3 Q4Y3 Yr3 Q1Y4 Q2Y4 Q3Y4
50 50 200 60 60 60 60 240 80 80 80
10 10 40 10 10 10 10 40 10 10 10
20 20 80 30 30 30 30 120 40 40 40
40 40 160 50 50 50 50 200 60 60 60
10 10 40 10 10 10 10 40 10 10 10
10 10 40 10 10 10 10 40 10 10 10
20 20 80 30 30 30 30 120 40 40 40
1 2 5 1 2 2 2 7 2 2 2

1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
1.75 1.75 1.75 1.75 1.75 1.75 1.75 1.75 1.75 1.75 1.75
1.85 1.85 1.85 1.85 1.85 1.85 1.85 1.85 1.85 1.85 1.85
0.70 0.70 0.70 0.70 0.70 0.70 0.70 0.70 0.70 0.70 0.70
3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00
3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00
1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50
50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00

0.40 0.40 0.40 0.40 0.40 0.40 0.40 0.40 0.40 0.40 0.40
0.70 0.70 0.70 0.70 0.70 0.70 0.70 0.70 0.70 0.70 0.70
0.74 0.74 0.74 0.74 0.74 0.74 0.74 0.74 0.74 0.74 0.74
0.28 0.28 0.28 0.28 0.28 0.28 0.28 0.28 0.28 0.28 0.28
1.20 1.20 1.20 1.20 1.20 1.20 1.20 1.20 1.20 1.20 1.20
1.20 1.20 1.20 1.20 1.20 1.20 1.20 1.20 1.20 1.20 1.20
0.60 0.60 0.60 0.60 0.60 0.60 0.60 0.60 0.60 0.60 0.60
20.00 20.00 20.00 20.00 20.00 20.00 20.00 20.00 20.00 20.00 20.00

272.50 322.50 1,140.00 323.00 373.00 373.00 373.00 1,442.00 433.50 433.50 433.50
50.00 50.00 200.00 60.00 60.00 60.00 60.00 240.00 80.00 80.00 80.00
17.50 17.50 70.00 17.50 17.50 17.50 17.50 70.00 17.50 17.50 17.50
37.00 37.00 148.00 55.50 55.50 55.50 55.50 222.00 74.00 74.00 74.00
28.00 28.00 112.00 35.00 35.00 35.00 35.00 140.00 42.00 42.00 42.00
30.00 30.00 120.00 30.00 30.00 30.00 30.00 120.00 30.00 30.00 30.00
30.00 30.00 120.00 30.00 30.00 30.00 30.00 120.00 30.00 30.00 30.00
30.00 30.00 120.00 45.00 45.00 45.00 45.00 180.00 60.00 60.00 60.00
50.00 100.00 250.00 50.00 100.00 100.00 100.00 350.00 100.00 100.00 100.00

109.00 129.00 456.00 129.20 149.20 149.20 149.20 576.80 173.40 173.40 173.40
20.00 20.00 80.00 24.00 24.00 24.00 24.00 96.00 32.00 32.00 32.00
7.00 7.00 28.00 7.00 7.00 7.00 7.00 28.00 7.00 7.00 7.00
14.80 14.80 59.20 22.20 22.20 22.20 22.20 88.80 29.60 29.60 29.60
11.20 11.20 44.80 14.00 14.00 14.00 14.00 56.00 16.80 16.80 16.80
12.00 12.00 48.00 12.00 12.00 12.00 12.00 48.00 12.00 12.00 12.00
12.00 12.00 48.00 12.00 12.00 12.00 12.00 48.00 12.00 12.00 12.00
12.00 12.00 48.00 18.00 18.00 18.00 18.00 72.00 24.00 24.00 24.00
20.00 40.00 100.00 20.00 40.00 40.00 40.00 140.00 40.00 40.00 40.00
Q4Y4 Yr4 Q1Y5 Q2Y5 Q3Y5 Q4Y5 Yr5
80 320 100 100 100 100 400
10 40 10 10 10 10 40 96 54.86 55
40 160 50 50 50 50 200 96 51.89 52
60 240 80 80 80 80 320 96 137.14 130
10 40 10 10 10 10 40 96 32.00 32
10 40 10 10 10 10 40 96 32.00 32
40 160 50 50 50 50 200 96 64.00 64
3 9 3 3 3 3 12

1.00 1.00 1.00 1.00 1.00 1.00 1.00

1.75 1.75 1.75 1.75 1.75 1.75 1.75
1.85 1.85 1.85 1.85 1.85 1.85 1.85
0.70 0.70 0.70 0.70 0.70 0.70 0.70
3.00 3.00 3.00 3.00 3.00 3.00 3.00
3.00 3.00 3.00 3.00 3.00 3.00 3.00
1.50 1.50 1.50 1.50 1.50 1.50 1.50
50.00 50.00 50.00 50.00 50.00 50.00 50.00

0.40 0.40 0.40 0.40 0.40 0.40 0.40

0.70 0.70 0.70 0.70 0.70 0.70 0.70
0.74 0.74 0.74 0.74 0.74 0.74 0.74
0.28 0.28 0.28 0.28 0.28 0.28 0.28
1.20 1.20 1.20 1.20 1.20 1.20 1.20
1.20 1.20 1.20 1.20 1.20 1.20 1.20
0.60 0.60 0.60 0.60 0.60 0.60 0.60
20.00 20.00 20.00 20.00 20.00 20.00 20.00

483.50 1,784.00 551.00 551.00 551.00 551.00 2,204.00

80.00 320.00 100.00 100.00 100.00 100.00 400.00
17.50 70.00 17.50 17.50 17.50 17.50 70.00
74.00 296.00 92.50 92.50 92.50 92.50 370.00
42.00 168.00 56.00 56.00 56.00 56.00 224.00
30.00 120.00 30.00 30.00 30.00 30.00 120.00
30.00 120.00 30.00 30.00 30.00 30.00 120.00
60.00 240.00 75.00 75.00 75.00 75.00 300.00
150.00 450.00 150.00 150.00 150.00 150.00 600.00

193.40 713.60 220.40 220.40 220.40 220.40 881.60

32.00 128.00 40.00 40.00 40.00 40.00 160.00
7.00 28.00 7.00 7.00 7.00 7.00 28.00
29.60 118.40 37.00 37.00 37.00 37.00 148.00
16.80 67.20 22.40 22.40 22.40 22.40 89.60
12.00 48.00 12.00 12.00 12.00 12.00 48.00
12.00 48.00 12.00 12.00 12.00 12.00 48.00
24.00 96.00 30.00 30.00 30.00 30.00 120.00
60.00 180.00 60.00 60.00 60.00 60.00 240.00
13 14 14 14
13 13 13 13
32 32 33 33
8 8 8 8
8 8 8 8
16 16 16 16
 Particulars Yr0 Yr1 Yr2 Yr3 Yr4 Yr5
Capital Equipment
Description
Land
Building 50.00
Plant & Machiney 200.00
Electrical Installations 10.00
Furniture and Fixtures 10.00
Motot Cars and Vehicles 10.00
Computers 10.00
Software 10.00
Other Intangibles
5% Contingences 15.00 0.00 0.00 0.00 0.00

Total Asset Additions 315.00 0.00 0.00 0.00 0.00

Gross Block 305.00 267.75 220.50 173.25 126.00

Depreciation 15% 47.25 47.25 47.25 47.25 47.25
Acc. Depreciation 47.25 94.50 141.75 189.00 236.25
WDV 267.75 220.50 173.25 126.00 78.75

Intangibles Additions 10.00 0.00 0.00 0.00 0.00

Intangibles Gross Block 10.00 8.00 6.00 4.00 2.00
Amortization 20% 2.00 2.00 2.00 2.00 2.00
Acc. Amortization 2.00 4.00 6.00 8.00 10.00
WDV 8.00 6.00 4.00 2.00 0.00
 Personnel and General Administration
Particulars Q1Y1 Q2Y1 Q3Y1 Q4Y1 Yr1
Nos Headcount
Management 2 2 2 2 2
Engineers/Managers/Sales 3 3 3 3 3
Supervisors 2 2 2 2 2
Production Labour 25 25 25 25 25
Painshop Labour 8 8 8 8 8
Accounts and Admin 3 3 3 3 3
Others 8 8 8 8 8

Total 51 51 51 51 51
Non Managerial Staff 46 46 46 46 46

INR Pay/month
8% Management 100,000 100,000 100,000 100,000 100,000
8% Engineers/Managers/Sales 75,000 75,000 75,000 75,000 75,000
8% Supervisors 60,000 60,000 60,000 60,000 60,000
8% Production Labour 25,000 25,000 25,000 25,000 25,000
8% Painshop Labour 25,000 25,000 25,000 25,000 25,000
8% Accounts and Admin 30,000 30,000 30,000 30,000 30,000
8% Others 15,000 15,000 15,000 15,000 15,000

INR Non Salary Cost/ person/month

8% Infrastructure Cost (person/month) 1,000 1,000 1,000 1,000 1,000
8% Communication cost (person/month) 500 500 500 500 500
8% Travel Cost (person/month) 500 500 500 500 500
8% Admin costs (person/month) 500 500 500 500 500
1% Recruitment Costs 1% 1% 1% 1% 1%
8% Incidentals 500 500 500 500 500
8% Computers + Software 200 200 200 200 200
8% Training 100 100 100 100 100

Staff Pay Outflow 34.65 34.65 34.65 34.65 138.60

Staff Non Salary Outflow 4.42 4.42 4.42 4.42 17.66
Management Pay 12.75 12.75 12.75 12.75 51.00
Management Non Salary Expenses 0.52 0.52 0.52 0.52 2.09
Total Staff Cost 39.07 39.07 39.07 39.07 156.26
Total Staff Cost/person/quarter 0.85 0.85 0.85 0.85 3.40
Total Management Cost 13.27 13.27 13.27 13.27 53.09
Total Management Cost/person/quarte 2.65 2.65 2.65 2.65 10.62

Sale and Marketing

 Amounts in INR Q1Y1 Q2Y1 Q3Y1 Q4Y1 Yr1
Nos Sales Executives 2 2 2 2 2
Nos Travel days/month 15 15 15 15 15
5% Hotel Cost/day 1000 1000 1000 1000 1000
5% Food Cost/day 500 500 500 500 500
5% Local Conveyance/day 500 500 500 500 500
5% Air Fare/Trip 10000 10000 10000 10000 10000
Nos Trips/month 3 3 3 3 3

INR Total Cost/month/executive 60000 60000 60000 60000 60000

7% Sales Commission 7% 7% 7% 7% 7%

Total Travel Costs 3.60 3.60 3.60 3.60 14.40

Total Sales Commission 15.82 15.82 15.87 15.87 63.36
1% Marketing Collateral 2.26 2.26 2.27 2.27 9.05
2% Seminars/ Conferences 4.52 4.52 4.53 4.53 18.10
2% Branding 4.52 4.52 4.53 4.53 18.10

Total 30.71 30.71 30.80 30.80 123.02

Q1Y2 Q2Y2 Q3Y2 Q4Y2 Yr2 Q1Y3 Q2Y3 Q3Y3 Q4Y3 Yr3

2 2 2 2 2 2 2 2 2 2
3 3 4 4 4 4 4 5 5 5
3 3 3 3 3 4 4 4 4 4
25 25 28 28 27 28 28 31 31 30
8 8 11 11 10 11 11 14 14 13
4 4 4 4 4 5 5 5 5 5
8 8 11 11 10 11 11 14 14 13

53 53 63 63 58 65 65 75 75 70
48 48 57 57 53 55 55 64 64 60

108,000 108,000 108,000 108,000 108,000 117,000 117,000 117,000 117,000 117,000
81,000 81,000 81,000 81,000 81,000 87,500 87,500 87,500 87,500 87,500
64,800 64,800 64,800 64,800 64,800 70,000 70,000 70,000 70,000 70,000
27,000 27,000 27,000 27,000 27,000 29,200 29,200 29,200 29,200 29,200
27,000 27,000 27,000 27,000 27,000 29,200 29,200 29,200 29,200 29,200
32,400 32,400 32,400 32,400 32,400 35,000 35,000 35,000 35,000 35,000
16,200 16,200 16,200 16,200 16,200 17,500 17,500 17,500 17,500 17,500

1,080 1,080 1,080 1,080 1,080 1,170 1,170 1,170 1,170 1,170
540 540 540 540 540 580 580 580 580 580
540 540 540 540 540 580 580 580 580 580
540 540 540 540 540 580 580 580 580 580
1% 1% 1% 1% 1% 1% 1% 1% 1% 1%
540 540 540 540 540 580 580 580 580 580
220 220 220 220 220 240 240 240 240 240
110 110 110 110 110 120 120 120 120 120

40.34 40.34 46.66 46.66 173.99 53.59 53.59 60.42 60.42 228.02
4.98 4.98 5.92 5.92 21.80 6.15 6.15 7.16 7.16 26.63
13.77 13.77 16.20 16.20 59.94 17.52 17.52 20.15 20.15 75.33
0.56 0.56 0.68 0.68 2.48 1.18 1.18 1.30 1.30 4.95
45.32 45.32 52.57 52.57 195.79 59.74 59.74 67.58 67.58 254.65
0.94 0.94 0.92 0.92 3.73 1.09 1.09 1.06 1.06 4.28
14.33 14.33 16.88 16.88 62.42 18.70 18.70 21.44 21.44 80.28
2.87 2.87 2.81 2.81 11.36 1.87 1.87 1.95 1.95 7.64
Q1Y2 Q2Y2 Q3Y2 Q4Y2 Yr2 Q1Y3 Q2Y3 Q3Y3 Q4Y3 Yr3
2 2 3 3 2.5 3 3 4 4 3.5
15 15 15 15 15 15 15 15 15 15
1050 1050 1050 1050 1050 1100 1100 1100 1100 1100
530 530 530 530 530 560 560 560 560 560
530 530 530 530 530 560 560 560 560 560
10500 10500 10500 10500 10500 11030 11030 11030 11030 11030
3 3 3 3 3 3 3 3 3 3

63150 63150 63150 63150 63150 66390 66390 66390 66390 66390
7% 7% 7% 7% 7% 7% 7% 7% 7% 7%

3.79 3.79 5.68 5.68 18.95 5.98 5.98 7.97 7.97 27.88
19.08 19.08 19.08 22.58 79.80 22.61 26.11 26.11 26.11 100.94
2.73 2.73 2.73 3.23 11.40 3.23 3.73 3.73 3.73 14.42
5.45 5.45 5.45 6.45 22.80 6.46 7.46 7.46 7.46 28.84
5.45 5.45 5.45 6.45 22.80 6.46 7.46 7.46 7.46 28.84

36.49 36.49 38.38 44.38 155.75 44.74 50.74 52.73 52.73 200.92
Q1Y4 Q2Y4 Q3Y4 Q4Y4 Yr4 Q1Y5 Q2Y5 Q3Y5 Q4Y5 Yr5

2 2 2 2 2 2 2 2 2 2
5 5 6 6 6 6 6 6 6 6
5 5 5 5 5 6 6 6 6 6
31 31 34 34 33 34 34 37 37 36
14 14 17 17 16 17 17 20 20 19
6 6 6 6 6 7 7 7 7 7
14 14 17 17 16 17 17 20 20 19

77 77 87 87 82 89 89 98 98 94
70 70 79 79 75 81 81 90 90 86

126,000 126,000 126,000 126,000 126,000 136,000 136,000 136,000 136,000 136,000
94,500 94,500 94,500 94,500 94,500 102,100 102,100 102,100 102,100 102,100
75,600 75,600 75,600 75,600 75,600 81,600 81,600 81,600 81,600 81,600
31,500 31,500 31,500 31,500 31,500 34,000 34,000 34,000 34,000 34,000
31,500 31,500 31,500 31,500 31,500 34,000 34,000 34,000 34,000 34,000
37,800 37,800 37,800 37,800 37,800 40,800 40,800 40,800 40,800 40,800
18,900 18,900 18,900 18,900 18,900 20,400 20,400 20,400 20,400 20,400

1,260 1,260 1,260 1,260 1,260 1,360 1,360 1,360 1,360 1,360
630 630 630 630 630 680 680 680 680 680
630 630 630 630 630 680 680 680 680 680
630 630 630 630 630 680 680 680 680 680
1% 1% 1% 1% 1% 1% 1% 1% 1% 1%
630 630 630 630 630 680 680 680 680 680
260 260 260 260 260 280 280 280 280 280
130 130 130 130 130 140 140 140 140 140

68.61 68.61 75.98 75.98 289.17 85.68 85.68 93.64 93.64 358.63
8.48 8.48 9.57 9.57 36.12 10.59 10.59 11.77 11.77 44.73
21.74 21.74 24.57 24.57 92.61 26.54 26.54 26.54 26.54 106.15
0.92 0.92 1.05 1.05 3.94 1.13 1.13 1.13 1.13 4.54
77.09 77.09 85.55 85.55 325.29 96.27 96.27 105.41 105.41 403.37
1.10 1.10 1.08 1.08 4.37 1.19 1.19 1.17 1.17 4.72
22.66 22.66 25.62 25.62 96.55 27.67 27.67 27.67 27.67 110.69
3.24 3.24 3.20 3.20 12.88 3.46 3.46 3.46 3.46 13.84
Q1Y4 Q2Y4 Q3Y4 Q4Y4 Yr4 Q1Y5 Q2Y5 Q3Y5 Q4Y5 Yr5
4 4 5 5 4.5 5 5 6 6 5.5
15 15 15 15 15 15 15 15 15 15
1160 1160 1160 1160 1160 1220 1220 1220 1220 1220
590 590 590 590 590 620 620 620 620 620
590 590 590 590 590 620 620 620 620 620
11580 11580 11580 11580 11580 12160 12160 12160 12160 12160
3 3 3 3 3 3 3 3 3 3

69840 69840 69840 69840 69840 73380 73380 73380 73380 73380
7% 7% 7% 7% 7% 7% 7% 7% 7% 7%

8.38 8.38 10.48 10.48 37.71 11.01 11.01 13.21 13.21 48.43
30.35 30.35 30.35 33.85 124.88 38.57 38.57 38.57 38.57 154.28
4.34 4.34 4.34 4.84 17.84 5.51 5.51 5.51 5.51 22.04
8.67 8.67 8.67 9.67 35.68 11.02 11.02 11.02 11.02 44.08
8.67 8.67 8.67 9.67 35.68 11.02 11.02 11.02 11.02 44.08

60.40 60.40 62.50 68.50 251.79 77.13 77.13 79.33 79.33 312.91
 Equity Loan
Gearing Proposed 1.00 1.50

Total Fund Requirement Year 1 Year 2 Year 3 Year 4 Year 5

- Capex + R&D 325 0 0 0 0
- Working Capital 176
- Loss Funding
0 501 0 0 0 0

Equity 200 0 0 0 0
Debt 300 0 0 0 0
Ending Bank Balance 90 271 457 691 990

New Loan Year 1 Year 1 Year 2 Year 3 Year 4 Year 5

Project Capex Loan 300 240 180 120 60
Repayment 60 60 60 60 60
Loan at end of the year 240 180 120 60 0
Interest Cost 30 23 17 10 3

New Loan Year 2 Year 1 Year 2 Year 3 Year 4 Year 5

Project Capex Loan 0 0 0 0
Repayment 0 0 0 0
Loan at end of the year 0 0 0 0
Interest Cost 0 0 0 0

New Loan Year 3 Year 1 Year 2 Year 3 Year 4 Year 5

Project Capex Loan 0 0 0
Repayment 0 0 0
Loan at end of the year 0 0 0
Interest Cost 0 0 0

Total Loan at start of the year 300 240 180 120 60

Total Loan at end of the year 240 180 120 60 0
Total Repayment 60 60 60 60 60
Total Interest Payment 30 23 17 10 3
Year 6 Year 7 Year 8 Year 9 Year 10
0 0 0 0 0 Interest Rate 11.00%
0 0 0 0 0 Moratorium (years) -
0 0 0 0 0 Repayment (years) 5.00
0 0 0 0 0

Year 6 Year 7 Year 8 Year 9 Year 10

0 0 0 0 0 Interest Rate 14.00%
0 0 0 0 0 Moratorium (years) 1.00
0 0 0 0 0 Repayment (years) 4.00
0 0 0 0 0

Year 6 Year 7 Year 8 Year 9 Year 10

0 0 0 0 0 Interest Rate 14.00%
0 0 0 0 0 Moratorium (years) 1.00
0 0 0 0 0 Repayment (years) 4.00
0 0 0 0 0

0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
Profit and Loss Statement Q1Y1 Q2Y1 Q3Y1 Q4Y1 Yr1
Total Sales 225.95 225.95 226.65 226.65 905.20
Distribution Commission 5% 11.30 11.30 11.33 11.33 45.26
Net Sales 214.65 214.65 215.32 215.32 859.94
Total COGS (with 2% wastage) 2% 92.19 92.19 92.47 92.47 369.32
Other Income Income 5% 11.30 11.30 11.33 11.33 45.26
Gross Profit 133.76 133.76 134.18 134.18 535.88
Management Compensation 13.27 13.27 13.27 13.27 53.09
Marketing, Sales and Admin Expenses 69.78 69.78 69.86 69.86 279.29
EBITDA 50.71 50.71 51.04 51.04 203.50
Depreciation 11.81 11.81 11.81 11.81 47.25
Amortization 0.50 0.50 0.50 0.50 2.00
EBIT 38.40 38.40 38.73 38.73 154.25
Interest Payments 7.43 7.43 7.43 7.43 29.70
PBT 30.97 30.97 31.30 31.30 124.55
Taxable Profits 30.97 30.97 31.30 31.30 124.55
Loss for the Year 0.00 0.00 0.00 0.00 0.00
Adjustment of CF Loss 0.00 0.00 0.00 0.00 0.00
CF Loss 0.00 0.00 0.00 0.00 0.00
Taxable Profits after CF Loss 30.97 30.97 31.30 31.30 124.55
Taxes @ 35% 26% 32.38
PAT 30.97 30.97 31.30 31.30 92.17
Accumulated Reserves 92.17
 Yr2 Yr3 Yr4 Yr5
1,140.00 1,442.00 1,784.00 2,204.00
57.00 72.10 89.20 110.20
1,083.00 1,369.90 1,694.80 2,093.80
465.12 588.34 727.87 899.23
57.00 72.10 89.20 110.20
674.88 853.66 1,056.13 1,304.77
62.42 80.28 96.55 110.69
351.53 455.57 577.08 716.28
260.93 317.81 382.49 477.80
47.25 47.25 47.25 47.25
2.00 2.00 2.00 2.00
211.68 268.56 333.24 428.55
23.10 16.50 9.90 3.30
188.58 252.06 323.34 425.25
188.58 252.06 323.34 425.25
0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
188.58 252.06 323.34 425.25
49.03 65.54 84.07 110.57
139.55 186.52 239.27 314.69
139.55 326.07 565.34 880.03
Particulars Yr0 Yr1 Yr2 Yr3 Yr4 Yr5
Sources of Funds
Share Capital 200 200 200 200 200
Reserves & Surplus 92 232 418 658 972
Loans 240 180 120 60 0
Total 532 612 738 918 1,172

Application of Funds
Fixed Assets - Gross Block 305 268 221 173 126
Less: Accumulated Depreciation 47 95 142 189 236
Net Block 258 173 79 (16) (110)

Current Assets:
Loans & Advances
Accounts Receivables 149 187 237 293 362
Inventory 61 18 18 18 22
Advances to Suppliers 7 9 12 15 16
Cash & Bank Balances 90 271 457 691 990
Total 307 485 724 1,018 1,390

Current Liabilities:
Accounts Payables 30 38 48 60 74
Sundry Creditors for Expenses 10 13 17 21 26
Total 40 51 65 81 100

Net Current Assets 266 434 659 937 1,290

Miscellaneous Expenses not written off

R&D Expenses 10 8 6 4 2
Less: Accumulated Amortization 2 4 6 8 10
Total Expenses not written off 8 4 0 (4) (8)

Total 532 612 738 918 1,172

0
 Yr1 Yr2 Yr3 Yr4 Yr5
Financing Inflows
Share Capital 200 0 0 0 0
Loans 300 0 0 0 0
500 0 0 0 0

Operational Inflows
EBIDTA 204 261 318 382 478
Working Capital Movement 176 (13) 39 44 55
27 274 279 339 423

Capital Investments
Fixed Assets 305 0 0 0 0
Intangibles 10 0 0 0 0
315 0 0 0 0

Financing Outflows
Repayment 60 60 60 60 60
Payment of Interest 30 23 17 10 3
Taxation Payments 32 49 66 84 111
122 132 142 154 174

Opening Cash & Equivalents 0 90 271 457 691

Closing Equivalents 90 271 457 691 990

Net cashflow for the year 90 142 137 185 249

Particulars Yr1 Yr2 Yr3 Yr4 Yr5
IRR
Investment Requirement 315 0 0 0 0
Working Capital (176) 13 (39) (44) (55)

Operational Inflow 204 261 318 382 478

Less: Taxation 32 49 66 84 111

Net flow (320) 225 213 255 312

IRR for the project 63%

Debt Service Coverage

PBDIT 204 261 318 382 478
Term Loan servicing
- Repayment 60 60 60 60 60
- Interest 30 23 17 10 3
90 83 77 70 63

DSCR 0.44 0.32 0.24 0.18 0.13

Cum. PBDIT 204 464 782 1,165 1,643

Cum. TL Servicing 90 173 249 319 383

Cum. DSCR 0.44 0.37 0.32 0.27 0.23

Return on Investment

Shareholders Funds 292 432 618 858 1,172

Profit before Tax 125 189 252 323 425

ROI % 42.6% 43.7% 40.8% 37.7% 36.3%

Return on Capital Employed

Total Funds Employed 532 612 738 918 1,172

Profit Before Tax & Interest 154 212 269 333 429

ROCE % 29.0% 34.6% 36.4% 36.3% 36.6%

FCF/ Net Profit 101.6% 73.4% 77.2% 79.2%

 20% Cost of Equity
2% Terminal Growth Rate

Y1 Y2 Y3 Y4 Y5 + Terminal Value DCF Sales Targets Reached

(320) 225 213 255 2,083 973 100%
argets Reached