HIGHLIGHTS OF THE PROJECT

1 Name of Individual :- Ruchi Singh

2 Address
:- Navanipur Jagdishpur Bankat Varanasi, UP

3 Nature of Business :- Agarbatti Manufacturing Unit

5 Constitution :- Individual

6 No. of Working Days :- 350 Days

7 Purpose of Finance :- For Setting up the Unit

8 Total Cost of Project :- (Rs.In lakhs) 8.50

9 Facility Required
Term Loan :- (Rs.In lakhs) 3.00
C/C Limit Proposed (Rs.In lakhs) 2.00
Loan Term/Repayment Period 5 Years

Notes : 1. Prepared and compiled on the basis of information and explanation as provided by the Individual.
2. Figures are based on best estimated basis and based on projection.

FOR JAMUNA SHUKLA & ASSOCIATES

CHARTERED ACCOUNTANTS

(Ruchi Singh) CA SHRUTI AGRAWAL

(Partner)

Date : 14.10.2020
Place : Varanasi
PEFORMANCE DETAILS

Particulars (Rs. In Lakhs)

Year I Year II Year III Year IV Year V
A Net Sales 24.00 27.60 31.74 36.50 41.98
B Total Purchases (Cost of Material Consumed) 15.60 17.94 20.63 23.73 27.28
C Gross Profit/Expected Gross 8.40 9.66 11.11 12.78 14.69
income from Business (A-B)
D Depriciation 0.90 0.77 0.65 0.55 0.47
E Interest on Term Loan 0.57 0.53 0.46 0.38 0.38
and/or WC
F Profit before Tax 3.18 4.13 5.19 6.39 7.66
G Income Tax * 25% 0.79 1.03 1.30 1.60 1.91
H Profit after Tax (F-G) 2.38 3.09 3.90 4.79 5.74
I Cash Profit/Surplus available (H+D) 3.28 3.86 4.55 5.35 6.21
J ICR (F+E)E 6.55 8.82 12.24 17.62 20.91
K DSCR * 4.56 4.35 5.03 5.44 6.16
L Current Ratio 1.84 2.47 3.10 3.66 4.15
M Net Profit Ratio 13.24% 14.95% 16.36% 17.51% 18.25%
* Note : 1) Taken 25% Income Tax Rate
2) Interest on C/C has been included in calcutating DSCR.

Notes : 1. Prepared and compiled on the basis of information and explanation as provided by the Individual.
2. Figures are based on best estimated basis and based on projection.

FOR JAMUNA SHUKLA & ASSOCIATES

CHARTERED ACCOUNTANTS

(Ruchi Singh) CA. SHRUTI AGARWAL

PARTNER

Date : 14.10.2020
Place : Varanasi
SOURCES AND APPLICATION OF FUNDS
[Rs. in Lacs]
APPLICATION OF FUND
S.N.Particulars Total

Cost of the Project

1 Plant & Machinery
Agarbatti Machine (2) 2.54
Packing 3.00
GST 0.46

Sub- Total 6.00 6.00

2.50
2 Working Capital
8.50

SOURCES OF FUND

2 Proprietors Capital [=> 25%] 3.50

Loan From Financial Institution
Term Loan 3.00
Cash Credit Limit 2.00 5.00
Total 8.50

BASIS ASSUMPTION
1 Gross Receipt will be increased @ 15% per annum
2 Depreciation has been charged on Fixed Assets on WDV Basis @ 15% P.A.
3 Administrative Expenses will be increased @ 10% per Annum

Notes : 1. Prepared and compiled on the basis of information and explanation as provided by the Individual.
2. Figures are based on best estimated basis and based on projection.

FOR JAMUNA SHUKLA & ASSOCIATES

CHARTERED ACCOUNTANTS

CA. SHRUTI AGARWAL

(Ruchi Singh) PARTNER

Date : 14.10.2020
Place : Varanasi

INTEREST ON TERM LOAN

Particulars Year I Year II Year III Year IV Year V
On Term Loan 11.50% 0.34 0.30 0.23 0.15 0.06
On Cash Credit 11.50% 0.23 0.23 0.23 0.23 0.23
0.57 0.53 0.46 0.38 0.38

DEPRECIATION ON ASSETS
Particulars Dep.% Year I Year II Year III Year IV Year V

Plant and Machinery 15%

Opening W.D.V. 0.00 5.10 4.34 3.68 3.13
Add Addition 6.00 0.00 0.00 0.00 0.00
6.00 5.10 4.34 3.68 3.13
Depreciation 0.90 0.77 0.65 0.55 0.47
Closing W.D.V. 5.10 4.34 3.68 3.13 2.66

1. Prepared and compiled on the basis of information and explanation as provided by the Individual.
Notes : 2. Figures are based on best estimated basis and based on projection.

FOR JAMUNA SHUKLA & ASSOCIATES

CHARTERED ACCOUNTANTS

CA. SHRUTI AGARWAL

(Ruchi Singh) PARTNER

Date : 14.10.2020
Place :Varanasi
PROFITABILITY STATEMENT [Rs. in Lacs]

Year I Year II Year III Year IV Year V

1 Gross Revenue 24.00 27.60 31.74 36.50 41.98

Total A 24.00 27.60 31.74 36.50 41.98

EXPENSES
Cost of Material Consumed
Opening Stock 0.00 1.20 1.95 2.10 2.25
Add : Purchases 16.80 18.69 20.78 23.88 27.59
2 Less : Closing Stock 1.20 1.95 2.10 2.25 2.56
3 Cost of Material Consumed (Net Total) 15.60 17.94 20.63 23.73 27.28
4 Labour Charges 1.95 2.24 2.58 2.97 3.41
5 Electricity and Fuel Exp. 0.25 0.29 0.33 0.38 0.44
6 Telephone Exp. 0.18 0.20 0.22 0.24 0.26
6 Freight 0.30 0.33 0.36 0.40 0.44
7 Travelling & Conv.(Transport) 0.20 0.22 0.24 0.27 0.29
Misc Exp.
8 Insurance Expenses 0.05 0.06 0.07 0.08 0.09
9 Entertainment Expenses 0.05 0.06 0.06 0.07 0.07
10 Legal Exp. 0.10 0.12 0.13 0.15 0.17
11 Other Misc. Exp. 0.12 0.14 0.16 0.18 0.21
12 Advertisement & Marketing Exp. 0.32 0.37 0.42 0.49 0.56
13 Depreciation on Assets 0.90 0.77 0.65 0.55 0.47
14 Interest on term Loan 0.57 0.53 0.46 0.38 0.38
15 Interest on CC 0.23 0.23 0.23 0.23 0.23

Total B 20.82 23.47 26.55 30.11 34.32

Net Profit [ A - B ] 3.18 4.13 5.19 6.39 7.66

Add Depreication 0.90 0.77 0.65 0.55 0.47

Cash Accural 4.08 4.89 5.84 6.95 8.13

Notes : 1. Prepared and compiled on the basis of information and explanation as provided by the Individual.
 2. Figures are based on best estimated basis and based on projection.
FOR JAMUNA SHUKLA & ASSOCIATES
CHARTERED ACCOUNTANTS

CA. SHRUTI AGRAWAL

(Ruchi Singh) PARTNER
Date : 14.10.2020
Place : Varanasi

CASH FLOW STATEMENT [Rs. in Lacs]

Year I Year II Year III Year IV Year V

CASH IN FLOW
Net Profit 3.18 4.13 5.19 6.39 7.66

Depreciation 0.90 0.77 0.65 0.55 0.47

Promoter Capital 3.50 0.00 0.00 0.00 0.00

Loan From Financial Institution 5.00 0.00 0.00 0.00 0.00

Total [ A ] 12.58 4.89 5.84 6.95 8.13

CASH OUT FLOW

Fixed Assets 6.00 0.00 0.00 0.00 0.00

Repayment of Loan 0.17 0.54 0.61 0.78 0.90

Increase in Working Capital 6.21 4.11 4.95 5.82 6.81

Drawing 0.20 0.24 0.29 0.35 0.41

Total [ B ] 10.62 3.84 4.32 6.31 7.37

Cash Balance [ A - B ] 1.96 1.05 1.53 0.64 0.76

Add Opening Balance - 1.96 3.01 4.54 5.18
Closing Cash & Bank Balance 1.96 3.01 4.54 5.18 5.94

Notes : 1. Prepared and compiled on the basis of information and explanation as provided by the Individual.
2. Figures are based on best estimated basis and based on projection.

FOR JAMUNA SHUKLA & ASSOCIATES

CHARTERED ACCOUNTANTS

CA. SHRUTI AGRAWAL

(Ruchi Singh) PARTNER
Date : 14.10.2020
Place : Varanasi

PROJECTED BALANCE SHEET [Rs. in Lacs]

Year I Year II Year III Year IV Year V

LIABILITIES
Proprietor's Capital 3.50 6.48 10.36 15.27 21.32
Add Net Profit 3.18 4.13 5.19 6.39 7.66
6.68 10.60 15.56 21.66 28.97
Less Drawing 0.20 0.24 0.29 0.35 0.41
6.48 10.36 15.27 21.32 28.56

Bank Term Loan 2.83 2.23 1.68 0.91 0.00

Cash Credit Limit 2.00 2.00 2.00 2.00 2.00

Sundry Creditors & Other Liabilities 3.00 3.60 4.32 5.18 6.22

Total 14.31 18.19 23.27 29.41 36.78

ASSETS
Fixed Assets 5.10 4.34 3.68 3.13 2.66

Stock 1.20 1.95 2.10 2.25 2.56

Sundry Debtors 6.05 8.90 12.95 18.85 25.62

Cash & Bank Bal. 1.96 3.01 4.54 5.18 5.94

Total 14.31 18.19 23.27 29.41 36.78

Net Profit After Tax + Interest on Term Loan + Depreciation

Debt Service Coverage Ratio : Repayment of Term Loan (Interest + Principal)

Year I Year II Year III Year IV Year V

Debt Service Coverage Ratio : 4.56 4.35 5.03 5.44 6.16

1. Prepared and compiled on the basis of information and explanation as provided by the Individual.
Notes : 2. Figures are based on best estimated basis and based on projection.
 FOR JAMUNASHUKLA & ASSOCIATES
CHARTERED ACCOUNTANTS

CA. SHRUTI AGRAWAL

(Ruchi Singh) PARTNER

Date : 14.10.2020
Place : Varanasi

CALCULATION OF INTEREST AND INSTALLMENT ON TERM LOAN (Rs. In Lakhs)

S.N. Opening Bal. Installment Principal Interest Closing Bal.

11.50%
1 3.00 0.07 0.00 0.03 3.00
2 3.00 0.07 0.00 0.03 3.00
3 3.00 0.07 0.00 0.03 3.00
4 3.00 0.07 0.00 0.03 3.00
5 3.00 0.07 0.00 0.03 3.00
6 3.00 0.07 0.00 0.03 3.00
7 3.00 0.07 0.00 0.03 3.00
8 3.00 0.07 0.00 0.03 3.00
9 3.00 0.07 0.04 0.03 2.96
10 2.96 0.07 0.04 0.03 2.92
11 2.92 0.07 0.04 0.03 2.88
12 2.88 0.07 0.84 0.04 0.17 0.03 0.34 2.83
13 2.83 0.07 0.04 0.03 2.79
14 2.79 0.07 0.04 0.03 2.75
15 2.75 0.07 0.04 0.03 2.70
16 2.70 0.07 0.04 0.03 2.66
17 2.66 0.07 0.04 0.03 2.61
18 2.61 0.07 0.04 0.03 2.57
19 2.57 0.07 0.05 0.02 2.52
20 2.52 0.07 0.05 0.02 2.48
21 2.48 0.07 0.05 0.02 2.43
22 2.43 0.07 0.05 0.02 2.39
23 2.39 0.07 0.05 0.02 2.34
24 2.34 0.07 0.84 0.05 0.54 0.02 0.30 2.29
25 2.29 0.07 0.05 0.02 2.24
26 2.24 0.07 0.05 0.02 2.19
27 2.19 0.07 0.05 0.02 2.14
28 2.14 0.07 0.05 0.02 2.10
29 2.10 0.07 0.05 0.02 2.05
30 2.05 0.07 0.05 0.02 2.00
31 2.00 0.07 0.05 0.02 1.94
32 1.94 0.07 0.05 0.02 1.89
33 1.89 0.07 0.05 0.02 1.84
34 1.84 0.07 0.05 0.02 1.79
35 1.79 0.07 0.05 0.02 1.74
36 1.74 0.07 0.84 0.05 0.61 0.02 0.23 1.68
37 1.68 0.07 0.05 0.02 1.63
38 1.63 0.07 0.05 0.02 1.57
39 1.57 0.07 0.05 0.02 1.52
40 1.52 0.08 0.07 0.01 1.45
41 1.45 0.08 0.07 0.01 1.39
42 1.39 0.08 0.07 0.01 1.32
43 1.32 0.08 0.07 0.01 1.25
44 1.25 0.08 0.07 0.01 1.19
45 1.19 0.08 0.07 0.01 1.12
46 1.12 0.08 0.07 0.01 1.05
47 1.05 0.08 0.07 0.01 0.98
48 0.98 0.08 0.93 0.07 0.78 0.01 0.15 0.91
49 0.91 0.08 0.07 0.01 0.84
50 0.84 0.08 0.07 0.01 0.76
51 0.76 0.08 0.07 0.01 0.69
52 0.69 0.08 0.07 0.01 0.62
53 0.62 0.08 0.07 0.01 0.54
54 0.54 0.08 0.07 0.01 0.47
55 0.47 0.08 0.08 0.00 0.39
56 0.39 0.08 0.08 0.00 0.32
57 0.32 0.08 0.08 0.00 0.24
58 0.24 0.08 0.08 0.00 0.16
59 0.16 0.08 0.08 0.00 0.08
60 0.08 0.08 0.96 0.08 0.90 0.00 0.06 0.00

Notes : 1. Prepared and compiled on the basis of information and explanation as provided by the Individual.
2. Figures are based on best estimated basis and based on projection.

FOR JAMUNA SHUKLA & ASSOCIATES

CHARTERED ACCOUNTANTS

CA. SHRUTI AGRAWAL

(Ruchi Singh) PARTNER

Date : 14.10.2020
Place :Varanasi
 Annexure - I
(For WC proposal or combination of WC / STL / TL / CLS proposal)

I. OPERATING STATEMENT (To be filled by the Dealing Group from Balance Sheet / Projections)
Name of the Company : ABC Ltd.
(Rupees in lakh)
2009 2010 2011 2012 2013 2014 2015
I. PROFIT AND LOSS ACCOUNT
Audited Audited Audited Projections Projections Projections Projections
SALES:
1. Domestic Sales 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2. Export Sales 0.00 0.00 0.00 0.00 0.00 0.00 0.00
GROSS SALES: 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Less: Excise Duty / Sales Tax 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Add: Other Operating Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NET SALES: 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Increase in Net Sales (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
COST OF SALES:
1. Raw Materials 0.00 0.00 0.00 0.00 0.00 0.00 0.00
A. Imported 0.00 0.00 0.00 0.00 0.00 0.00 0.00
B. Indigenous 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2. Other Spares 0.00 0.00 0.00 0.00 0.00 0.00 0.00
A. Imported 0.00 0.00 0.00 0.00 0.00 0.00 0.00
B. Indigenous 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3. Power & Fuel 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4. Direct Labour 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5. Other Manufacturing Expenses 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6. Depreciation / Amortisation 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7. Repairs & Maintenance 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9 0.00 0.00 0.00 0.00 0.00 0.00 0.00
SUB TOTAL: 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Add: Opening Stock in Process 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Less: Closing Stock in Process 0.00 0.00 0.00 0.00 0.00 0.00 0.00
COST OF PRODUCTION: 0.00 0.00 0.00 0.00 0.00 0.00 0.00
COP as % of Gross Sales #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Add: Opening Stock of Finished Goods 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Less: Closing Stock of Finished Goods 0.00 0.00 0.00 0.00 0.00 0.00 0.00
COST OF SALES: 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Cost of Sales as % of Gross Sales #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Selling, General & Admn. Expenses 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PROFIT BEFORE INTT. & TAX (PBIT) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PBIT as % of Gross Sales #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Interest & Other Financial Charges 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Intt. & Fin. Charges as % of Sales #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
OP. PROFIT BEFORE TAX (OPBT) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
OPBT as % of Gross Sales #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Add: Other Non-operative Income
1. Interest & Dividend 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2. Exchange Profit / Export Incentives 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3. Excess Provision Written Back 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4. Profit on Sale of Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5. Sale of Scrap / other misc income 0.00 0.00 0.00 0.00 0.00 0.00 0.00
SUB-TOTAL (INCOME) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Less: Other Non-operating Expenses
1. Loss on Investment 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2. Loss on Forex 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3. Loss on Sale of Fixed Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4. Bad Debts Written Off 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5. Miscellaneous Expenses Written Off 0.00 0.00 0.00 0.00 0.00 0.00 0.00
SUB-TOTAL (EXPENSES) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PROFIT BEFORE TAX / LOSS 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Tax Paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Deferred Tax Liability/(Deffered Tax Asset) 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Provision for Taxes 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NET PROFIT / LOSS (PAT) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PAT as % of Gross Sales #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Equity / Preference Dividend Paid:
1. Equity Dividend 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2. Preference Dividend 0.00 0.00 0.00 0.00 0.00 0.00 0.00
RETAINED PROFIT 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Page 10 of 18
 Annexure - I
(For WC proposal or combination of WC / STL / TL / CLS proposal)

II. LIABILITIES (To be filled by the Dealing Group from Balance Sheet / Projections)
Name of the Company : ABC Ltd.
(Rupees in lakh)
2009 2010 2011 2012 2013 2014 2015
II. BALANCE SHEET - LIABILITIES
Audited Audited Audited Projections Projections Projections Projections
CURRENT LIABILITIES (CL):
Short Term borrowings from banks (including
bill purchased/discounted)
1. from applicant bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2. from other banks 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(Out of Total Bank Borrowings - BP & BD) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
SUB-TOTAL 0.00 0.00 0.00 0.00 0.00 0.00 0.00
1. Short Term Borrowings from others incl.
0.00 0.00 0.00 0.00 0.00 0.00 0.00
CPs
2. Sundry Creditors (Trade) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3. Advance Payment from Customers /
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Deposit from Dealers
4. Provision for Taxation 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5. Dividend payable 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6. Other Stat.Liabilities (due within 1 yr.) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7. Instalments of TLs / Debentures /
Pref.Shares / DPGs / Deposits / Unsecured 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Loans etc. (due within 1 yr.)
8. Other CL & Provisions (due within one
0.00 0.00 0.00 0.00 0.00 0.00 0.00
year)
9. Interest accrued bot not due 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10. Dues to Directors 0.00 0.00 0.00 0.00 0.00 0.00 0.00
11. Security Deposit - Suppliers &
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Contractors
12. Other Current Liabilities 0.00 0.00 0.00 0.00 0.00 0.00 0.00
13 0.00 0.00 0.00 0.00 0.00 0.00 0.00
14 0.00 0.00 0.00 0.00 0.00 0.00 0.00
SUB-TOTAL 0.00 0.00 0.00 0.00 0.00 0.00 0.00
TOTAL CURRENT LIABILITIES 0.00 0.00 0.00 0.00 0.00 0.00 0.00
TERM LIABILITIES
1. Debentures (not maturing within 1 yr.) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2. Preference Shares (redeemable with
0.00 0.00 0.00 0.00 0.00 0.00 0.00
residual tenor for >1 yr. & <5 yrs.)
3. Term Loans (Excluding installments
0.00 0.00 0.00 0.00 0.00 0.00 0.00
payable within 1 yr.)
4. Term Deposits (repayable after 1 yr.) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5. Unsec.Loans (repayable after 1 yr.) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6. Mobilisation Adv. (repayable after 1 yr.) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7. Sundry Creditors for Capital Goods 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8. Deferred Sales Tax 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9. Deferred Tax Liability 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10 0.00 0.00 0.00 0.00 0.00 0.00 0.00
TOTAL TERM LIABILITIES 0.00 0.00 0.00 0.00 0.00 0.00 0.00

1. Ordinary Share Capital 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2. Pref.Share Cap.(Residual tenor >5 yrs.) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3. General Reserve 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4. Capital Reserve 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5. Surplus(+) or deficit(-) in P&L Account 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6. Share Application Money 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7. Share Premium 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8. Capital Redemption Reserve 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9. Quasi Equity 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10. Less: Revaluation Reserve 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NET WORTH 0.00 0.00 0.00 0.00 0.00 0.00 0.00
TOTAL LIABILITIES 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Page 11 of 18
 Annexure - I
(For WC proposal or combination of WC / STL / TL / CLS proposal)

III. ASSETS (To be filled by the Dealing Group from Balance Sheet / Projections)
Name of the Company : ABC Ltd.
(Rupees in lakh)
2009 2010 2011 2012 2013 2014 2015
II. BALANCE SHEET - ASSETS
Audited Audited Audited Projections Projections Projections Projections
CURRENT ASSETS
Cash and Bank Balances 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Short Term unencumbered Investments
0.00 0.00 0.00 0.00 0.00 0.00 0.00
(Other than Long Term)
1. Government and other securities 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2. Fixed Deposits with banks 0.00 0.00 0.00 0.00 0.00 0.00 0.00
RECEIVABLES 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3. Domestic Sales 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4. Export Receivables (incl. contingent B/P &
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Discounted by banks)
INVENTORY 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7. Raw Material - Indigenous 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8. Raw Material - Imported 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9. Consumables Spares - Indigenous 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10. Consumables Spares - Imported 0.00 0.00 0.00 0.00 0.00 0.00 0.00
11. Stock in process 0.00 0.00 0.00 0.00 0.00 0.00 0.00
12. Finished Goods 0.00 0.00 0.00 0.00 0.00 0.00 0.00
13. Goods in Transit 0.00 0.00 0.00 0.00 0.00 0.00 0.00
14. Closing Stock of Traded goods 0.00 0.00 0.00 0.00 0.00 0.00 0.00
15 0.00 0.00 0.00 0.00 0.00 0.00 0.00
OTHER CURRENT ASSETS 0.00 0.00 0.00 0.00 0.00 0.00 0.00
16. Deposits 0.00 0.00 0.00 0.00 0.00 0.00 0.00
17. Duties & Taxes paid in Advance 0.00 0.00 0.00 0.00 0.00 0.00 0.00
18. Others (receivables within 1 yr.) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
19. Advance to suppliers of Raw Material 0.00 0.00 0.00 0.00 0.00 0.00 0.00
20 0.00 0.00 0.00 0.00 0.00 0.00 0.00
TOTAL CURRENT ASSETS 0.00 0.00 0.00 0.00 0.00 0.00 0.00
GROSS FIXED ASSETS (GFA) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
1. Land 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2. Building 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3. Plant & Machinery 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4. Furnitures & Fixtures 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5. Other Fixed Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6. Capital Works in progress 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Less: Accumulated Depreciation on FA 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Less: Revaluation Reserves, if any 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NET BLOCK 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NON CURRENT ASSETS
1. Investments in Subsidiary/Affiliates Cos. 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2. Other Investments 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3. Loans & Advances to Subsidiary /
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Affiliates / Associates Companies
4. Advance to suppliers of Capital Goods /
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Contractors
5. Deferred receivables (maturity >1 yr.) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6. Margin money kept with banks. 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7. Debtors exceedings six months 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8. Short Term Deposits with Bodies
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Corporate
9. Non-consumables stores & spares 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10. Other Non Current Assets including dues
0.00 0.00 0.00 0.00 0.00 0.00 0.00
from directors
TOTAL NON CURRENT ASSETS 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Intangible Assets (deferred tax assets,
patents, goodwill, preliminary expenses,
0.00 0.00 0.00 0.00 0.00 0.00 0.00
bad/doubtful expenses not provided for, etc.
to the extent not written off)
TOTAL ASSETS 0.00 0.00 0.00 0.00 0.00 0.00 0.00
TOTAL LIABILITIES less TOTAL ASSETS 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Page 12 of 18
 Annexure - I
(For WC proposal or combination of WC / STL / TL / CLS proposal)

IV. WORKING CAPITAL ASSESSMENT (Auto generated and hence not required to be filled)
Name of the Company : ABC Ltd.
(Rupees in lakh)
2009 2010 2011 2012 2013 2014 2015
BUILD UP OF CURRENT ASSETS
Audited Audited Audited Projections Projections Projections Projections
Raw Material - Indigenous 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Month's Consumption #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Raw Material - Imported 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Month's Consumption #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Consumable Spares - Indigenous 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Month's Consumption #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Consumable Spares - Imported 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Month's Consumption #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Stock in Process 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Month's Cost of Production #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Finished Goods 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Month's Cost of Sales #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Receivables (Domestic) other than deferred
& exports (including bills purchased & 0.00 0.00 0.00 0.00 0.00 0.00 0.00
discounted by banks)
Month's Domestic Sales #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Export Receivables (including bills purchased
0.00 0.00 0.00 0.00 0.00 0.00 0.00
& discounted by banks)
Month's Export Sales #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

2009.00 2010.00 2011.00 2012.00 2013.00 2014.00 2015.00

BUILD UP OF CURRENT LIABILITIES
Audited Audited Audited Projections Projections Projections Projections
Trade Ceditors 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Month's Trade Creditors #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

III. CALCUATION OF ASSESSED BANK 2009 2010 2011 2012 2013 2014 2015
FINANCE (ABF) Audited Audited Audited Projections Projections Projections Projections
1. Total Current Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2. Other Current Liabilities (Other than Bank
Borrowings & TL Instalments due within one 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Year)
3. Working Capital Gap 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4. Minimum stipulated Net Working Capital
(NWC) (25% of Total Current Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00
excluding Export Receivables)
5. Actual / Projected NWC 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6. Item 3 Minus Item 4 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7. Item 3 Minus Item 5 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8. MPBF (lower of 6 or 7 ) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9. Excess borrowings representing Shortfall
NIL NIL NIL NIL NIL NIL NIL
in NWC

Page 13 of 18
 Annexure - I
(For WC proposal or combination of WC / STL / TL / CLS proposal)

V. SUMMARY OF FINANCIAL POSITION (Auto generated and hence not required to be filled)
Name of the Company : ABC Ltd.
(Rupees in lakh)
IV. STATEMENT OF FINANCIAL 2009 2010 2011 2012 2013 2014 2015
ANALYSIS Audited Audited Audited Projections Projections Projections Projections
A. PROFILE ANALYSIS
Total Assets (Tangible) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Outside Liabilities (TOL) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Tangible Networth (TNW) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Sales 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PBDIT 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Profits (OPBT) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Profit 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Gross Cash Accruals 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Term Liabilities to Gross Cash Accruals #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Net Working Capital 0.00 0.00 0.00 0.00 0.00 0.00 0.00
% of NWC to Current Assets #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Current Assets to Net Sales #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
B. LIQUIDITY ANALYSIS
Current Ratio #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Quick Ratio #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
C. PROFITABILITY ANALYSIS
PBDIT/ Net Sales (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
OPBT / Net Sales (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Net Profit/ Net Sales (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Return on Assets (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Retained Profits / Net Profits (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Return on Net Worth (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
D. ACTIVITY ANALYSIS (IN DAYS)
Receivable Turnover - Domestic #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Receivable Turnover - Export #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Inventory Turnover #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Accounts Payables Turnover #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Fixed Assets Turnover Ratio #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
E. GROWTH RATIOS
Net Sales Growth (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Net Profit Growth (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Net Worth Growth (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
F. LEVERAGE & OTHER RATIOS
TOL / TNW #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
DER #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
DSCR #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
CFDSCR #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
FACR #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Net Operating Cash Flow (NOCF) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Interest Cover #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
CFICR #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

Page 14 of 18
 Annexure - I
(For WC proposal or combination of WC / STL / TL / CLS proposal)

VI. FUND FLOW STATEMENT (Auto generated and hence not required to be filled)
Name of the Company : ABC Ltd.
(Rupees in lakh)
2009 2010 2011 2012 2013 2014 2015
V. FUNDS FLOW STATEMENT
Audited Audited Audited Projections Projections Projections Projections
Profit After Tax 0.00 0.00 0.00 0.00 0.00 0.00
Depreciation 0.00 0.00 0.00 0.00 0.00 0.00
Dividends 0.00 0.00 0.00 0.00 0.00 0.00
Funds From Operations 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long Term Sources:
Change in Capital 0.00 0.00 0.00 0.00 0.00 0.00
Net Change in Reserve 0.00 0.00 0.00 0.00 0.00 0.00
Change in Term Loans 0.00 0.00 0.00 0.00 0.00 0.00
Total [Source(+) / Deficit(-)] 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long Term Uses:
Net Change in Fixed Assets 0.00 0.00 0.00 0.00 0.00 0.00
Change in Other Non Current Assets
0.00 0.00 0.00 0.00 0.00 0.00
(including Investments)

Change in Investments in Group Companies 0.00 0.00 0.00 0.00 0.00 0.00

Change in Intangibles 0.00 0.00 0.00 0.00 0.00 0.00

Contribution to Working Capital 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Short Term Uses
Change in Net Working Assets 0.00 0.00 0.00 0.00 0.00 0.00
Change in Other Current Assets 0.00 0.00 0.00 0.00 0.00 0.00
Short Term Sources
Change in Other Current Liabilities 0.00 0.00 0.00 0.00 0.00 0.00
Change in Bank Borrowings/Loans 0.00 0.00 0.00 0.00 0.00 0.00
Net Deficit / Surplus in ST Sources 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Net Movement in Liquid Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Change in cash 0.00 0.00 0.00 0.00 0.00 0.00
Change in Marketable Investments 0.00 0.00 0.00 0.00 0.00 0.00
Net Movement in Liquid Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Page 15 of 18
 Annexure - I
(For WC proposal or combination of WC / STL / TL / CLS proposal)

VII. CASH FLOW STATEMENT (Auto generated and hence not required to be filled)
Name of the Company : ABC Ltd.
(Rupees in lakh)
2009 2010 2011 2012 2013 2014 2015
VI. CASH FLOW STATEMENT
Audited Audited Audited Projections Projections Projections Projections
Operating Sector
Net Sales 0.00 0.00 0.00 0.00 0.00 0.00
Debtors (Trade) [Inc.(+)/Dec.(-)] 0.00 0.00 0.00 0.00 0.00 0.00
Cash From Sales 0.00 0.00 0.00 0.00 0.00 0.00
Costs- Interest & Finance Charges 0.00 0.00 0.00 0.00 0.00 0.00
Expenses on Stocks Purchases 0.00 0.00 0.00 0.00 0.00 0.00
Trade Creditors [Inc.(-)/Dec.(+)] 0.00 0.00 0.00 0.00 0.00 0.00
Manufacturing Expenses 0.00 0.00 0.00 0.00 0.00 0.00
Cash Cost of Sales 0.00 0.00 0.00 0.00 0.00 0.00
Expenses for Inc. / Dec. in Stocks 0.00 0.00 0.00 0.00 0.00 0.00
Cash from Asset Conversion Cycle 0.00 0.00 0.00 0.00 0.00 0.00
Selling, Gen. & Adm. Expenses 0.00 0.00 0.00 0.00 0.00 0.00
Advance Payments [Inc.(+)/Dec.(-)] 0.00 0.00 0.00 0.00 0.00 0.00
Advances Received [Inc.(-)/Dec.(+)] 0.00 0.00 0.00 0.00 0.00 0.00
Taxation 0.00 0.00 0.00 0.00 0.00 0.00
Dividends 0.00 0.00 0.00 0.00 0.00 0.00
Cash From Operations 0.00 0.00 0.00 0.00 0.00 0.00
Other Current Assets [Inc.(+)/Dec.(-)] 0.00 0.00 0.00 0.00 0.00 0.00
Other Current Liabilities [Inc.(-)/Dec.(+)] 0.00 0.00 0.00 0.00 0.00 0.00
Other Income / Expenses (Net) 0.00 0.00 0.00 0.00 0.00 0.00
Net Cash From Operations 0.00 0.00 0.00 0.00 0.00 0.00
Investment Sector
Capital Expenditure [Inc.(+)/Dec.(-)] 0.00 0.00 0.00 0.00 0.00 0.00
Investment in Group Companies [Inc.(+)/Dec.(-)] 0.00 0.00 0.00 0.00 0.00 0.00
Intangible / Other Term Assets [Inc.(+)/Dec.(-)] 0.00 0.00 0.00 0.00 0.00 0.00
Cash Before Funding 0.00 0.00 0.00 0.00 0.00 0.00
Financing Sector
Dues to Banks [Inc.(+)/Dec.(-)] 0.00 0.00 0.00 0.00 0.00 0.00
Short Term Debts [Inc.(+)/Dec.(-)] 0.00 0.00 0.00 0.00 0.00 0.00
Term Debts [Inc.(+)/Dec.(-)] 0.00 0.00 0.00 0.00 0.00 0.00
Equity [Inc.(+)/Dec.(-)] 0.00 0.00 0.00 0.00 0.00 0.00
Other Loans & Reserves [Inc.(+)/Dec.(-)] 0.00 0.00 0.00 0.00 0.00 0.00
Total 0.00 0.00 0.00 0.00 0.00 0.00
Movement in Cash Assets 0.00 0.00 0.00 0.00 0.00 0.00
Cash & Bank Balance [Inc.(+)/Dec.(-)] 0.00 0.00 0.00 0.00 0.00 0.00
Investments (Other Than Long Term) [Inc.(+)/Dec.(-)] 0.00 0.00 0.00 0.00 0.00 0.00
Movement in Cash Assets 0.00 0.00 0.00 0.00 0.00 0.00

Page 16 of 18
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