(Rs.

In Lacs)

LOAN REPAYMENT SCHEDULE

INPUT RESULT
Loan Amount 590,000 EMI per month will be 12,740
Rate of Interest per year 10.70% loan will get over in February-2025
Years Months
Tenure 5 0
Date of beginning Mar-20

Number
Interest Principal Number
Principal of
repaid repaid of years
Principal at at the months Total Principal Total Interest
Month EMI during during since the
beginning end of since the paid FY wise paid FY wise
the the loan
month loan
month month started
started
March-2020 590,000 12,740 5,261 7,479 582,521 1 1 7,479 5,261
April-2020 582,521 12,740 5,194 7,546 574,975 2 2
May-2020 574,975 12,740 5,127 7,613 567,362 3 2
June-2020 567,362 12,740 5,059 7,681 559,681 4 2
July-2020 559,681 12,740 4,990 7,749 551,932 5 2
August-2020 551,932 12,740 4,921 7,819 544,113 6 2
September-2020 544,113 12,740 4,852 7,888 536,225 7 2
October-2020 536,225 12,740 4,781 7,959 528,266 8 2
November-2020 528,266 12,740 4,710 8,030 520,237 9 2
December-2020 520,237 12,740 4,639 8,101 512,136 10 2
January-2021 512,136 12,740 4,567 8,173 503,962 11 2
February-2021 503,962 12,740 4,494 8,246 495,716 12 2
March-2021 495,716 12,740 4,420 8,320 487,396 13 2 95,125 57,754
April-2021 487,396 12,740 4,346 8,394 479,002 14 3
May-2021 479,002 12,740 4,271 8,469 470,533 15 3
June-2021 470,533 12,740 4,196 8,544 461,989 16 3
July-2021 461,989 12,740 4,119 8,621 453,368 17 3
August-2021 453,368 12,740 4,043 8,697 444,671 18 3
September-2021 444,671 12,740 3,965 8,775 435,896 19 3
October-2021 435,896 12,740 3,887 8,853 427,043 20 3
November-2021 427,043 12,740 3,808 8,932 418,111 21 3
December-2021 418,111 12,740 3,728 9,012 409,099 22 3
January-2022 409,099 12,740 3,648 9,092 400,007 23 3
February-2022 400,007 12,740 3,567 9,173 390,834 24 3
March-2022 390,834 12,740 3,485 9,255 381,579 25 3 105,818 47,062
April-2022 381,579 12,740 3,402 9,338 372,241 26 4
May-2022 372,241 12,740 3,319 9,421 362,820 27 4
June-2022 362,820 12,740 3,235 9,505 353,315 28 4
July-2022 353,315 12,740 3,150 9,590 343,726 29 4
August-2022 343,726 12,740 3,065 9,675 334,051 30 4
September-2022 334,051 12,740 2,979 9,761 324,290 31 4
October-2022 324,290 12,740 2,892 9,848 314,441 32 4
November-2022 314,441 12,740 2,804 9,936 304,505 33 4
December-2022 304,505 12,740 2,715 10,025 294,480 34 4
January-2023 294,480 12,740 2,626 10,114 284,366 35 4
February-2023 284,366 12,740 2,536 10,204 274,162 36 4
March-2023 274,162 12,740 2,445 10,295 263,866 37 4 117,712 35,167
April-2023 263,866 12,740 2,353 10,387 253,479 38 5
May-2023 253,479 12,740 2,260 10,480 243,000 39 5
June-2023 243,000 12,740 2,167 10,573 232,426 40 5
July-2023 232,426 12,740 2,072 10,667 221,759 41 5
August-2023 221,759 12,740 1,977 10,763 210,996 42 5
September-2023 210,996 12,740 1,881 10,859 200,138 43 5
October-2023 200,138 12,740 1,785 10,955 189,182 44 5
November-2023 189,182 12,740 1,687 11,053 178,129 45 5
December-2023 178,129 12,740 1,588 11,152 166,978 46 5
January-2024 166,978 12,740 1,489 11,251 155,727 47 5
February-2024 155,727 12,740 1,389 11,351 144,375 48 5
March-2024 144,375 12,740 1,287 11,453 132,923 49 5 130,944 21,936
April-2024 132,923 12,740 1,185 11,555 121,368 50 6
May-2024 121,368 12,740 1,082 11,658 109,710 51 6
June-2024 109,710 12,740 978 11,762 97,949 52 6
July-2024 97,949 12,740 873 11,867 86,082 53 6
August-2024 86,082 12,740 768 11,972 74,110 54 6
September-2024 74,110 12,740 661 12,079 62,031 55 6
October-2024 62,031 12,740 553 12,187 49,844 56 6
November-2024 49,844 12,740 444 12,295 37,548 57 6
December-2024 37,548 12,740 335 12,405 25,143 58 6
January-2025 25,143 12,740 224 12,516 12,627 59 6
February-2025 12,627 12,740 113 12,627 (0) 60 6 132,923 7,217

YEAR -> 19-20 20-21 21-22 22-23 23-24 24-25 Total

Interest on Term Loan 0.05 0.58 0.47 0.35 0.22 0.07 1.74
Principal Payment 0.07 0.95 1.06 1.18 1.31 1.33 5.90
.
 MANAS RANJAN SAHOO
A/92, SAHEED NAGAR, BHUBANESWAR

Projected Profit and Loss Account

Rs In Lacs
Year ending 31st March 2019-20 2020-21 2021-22 2022-23 2023-24 2024-25 2025-26
(March)
INCOME:
Sales
Vehicle Hiring 0.80 9.50 9.65 9.85 9.90 10.00 10.05

Total 0.80 9.50 9.65 9.85 9.90 10.00 10.05

Power & Fuel 0.32 3.80 3.86 3.94 3.96 4.00 4.02
Repair & Maintenance 0.03 0.38 0.39 0.40 0.50 0.60 0.80
Depreciation 0.05 1.09 0.92 0.79 0.67 0.57 0.48
Cost of Production 0.40 5.27 5.17 5.13 5.13 5.17 5.30
Financial Cost 0.05 0.58 0.47 0.35 0.22 0.07 -
Other Operating expenses
including salaries 0.10 1.10 1.20 1.30 1.40 1.50 1.60
Cost of Sales 0.55 6.94 6.84 6.78 6.75 6.74 6.90
Adv., Publicity & Marketing Exp. 0.01 0.20 0.20 0.20 0.20 0.20 0.20
Other Administrative Expenses 0.02 0.21 0.22 0.23 0.24 0.25 0.26

Total Expenditure 0.58 7.35 7.26 7.21 7.19 7.19 7.36

Profit before Tax 0.22 2.15 2.39 2.64 2.71 2.81 2.69
Provision for Income Tax - - - - - - -
Net Profit 0.22 2.15 2.39 2.64 2.71 2.81 2.69

Place: BHUBANESWAR
Date:
 MANAS RANJAN SAHOO
A/92, SAHEED NAGAR, BHUBANESWAR

Projected Balance Sheet

(Rs. In Lacs)
As on 31st March 2019-20 2020-21 2021-22 2022-23 2023-24 2024-25 2025-26

SOURCES OF FUND:
Shareholder's Fund
Opening Capital - 1.79 3.94 2.32 9.17 5.88 8.69
Addition during the Year 1.57 - - 4.20 - - -
Add: profit for the Year 0.22 2.15 2.39 2.64 2.71 2.81 2.69
1.79 3.94 6.32 9.17 11.88 8.69 11.38
Less: Drawings - - 4.00 - 6.00 - 2.00
1.79 3.94 2.32 9.17 5.88 8.69 9.38

Loan Fund's
Term Loan 5.83 4.87 3.82 2.64 1.33 - -

TOTAL 7.62 8.81 6.14 11.80 7.21 8.69 9.38

APPLICATION OF FUND:

Fixed Assets :
Gross Value 7.29 7.25 6.16 5.24 4.45 3.78 3.22
Cumulative Depreciation 0.05 1.09 0.92 0.79 0.67 0.57 0.48
Net Fixed Assets 7.25 6.16 5.24 4.45 3.78 3.22 2.73

Current Assets
Sundry Debtors 0.05 0.14 0.15 0.15 0.16 0.17 0.17
Cash & Bank Balance 0.52 2.89 1.25 7.72 3.81 5.90 7.08
0.57 3.03 1.40 7.87 3.97 6.07 7.25
Current Liabilities
Sundry Creditors 0.02 0.15 0.17 0.18 0.20 0.24 0.25
Liability for Tax - - - - - - -
Interest due within the year 0.0526 0.0442 0.0348 0.0348 0.0244 0.0129 0.0011
Principal due within the year 0.0748 0.0832 0.0926 0.0926 0.1030 0.1145 0.1263
Liabilities for Expenses 0.05 0.10 0.20 0.21 0.22 0.23 0.23
0.20 0.38 0.50 0.52 0.55 0.60 0.61

Net Current Assets: 0.37 2.65 0.90 7.35 3.42 5.47 6.64

TOTAL 7.62 8.81 6.14 11.80 7.21 8.69 9.38

 MANAS RANJAN SAHOO
A/92, SAHEED NAGAR, BHUBANESWAR

Depreciation Schedule
Rupees In Lacs

WDV as on Addition upto Addition after WDV as on

DESCRIPTION OF ASSETS Total Balance ROD Depreciation
01.04.2020 30.09.2020 30.09.2020 31.03.2021

Vehicle - - 729,281.00 729,281.00 15% 4,558.01 724,722.99

Total - - 729,281.00 729,281.00 4,558.01 724,722.99

WDV as on Addition upto Addition after WDV as on

DESCRIPTION OF ASSETS Total Balance ROD Depreciation
01.04.2021 30.09.2021 30.09.2021 31.03.2022

Vehicle 724,722.99 - 724,722.99 15% 108,708.45 616,014.54

Total 724,722.99 - - 724,722.99 108,708.45 616,014.54

WDV as on Addition upto Addition after WDV as on

DESCRIPTION OF ASSETS Total Balance ROD Depreciation
01.04.2022 30.09.2022 30.09.2022 31.03.2023

Vehicle 616,014.54 - 616,014.54 15% 92,402.18 523,612.36

Total 616,014.54 - - 616,014.54 92,402.18 523,612.36

 WDV as on Addition upto Addition after WDV as on
DESCRIPTION OF ASSETS Total Balance ROD Depreciation
01.04.2023 30.09.2023 30.09.2023 31.03.2024

Vehicle 523,612.36 - 10.00 523,622.36 15% 78,542.60 445,079.76

Total 523,612.36 - 10.00 523,622.36 78,542.60 445,079.76

WDV as on Addition upto Addition after WDV as on

DESCRIPTION OF ASSETS Total Balance ROD Depreciation
01.04.2024 30.09.2024 30.09.2024 31.03.2025

Vehicle 445,079.76 - 445,079.76 15% 66,761.96 378,317.79

Total 445,079.76 - - 445,079.76 66,761.96 378,317.79

WDV as on Addition upto Addition after WDV as on

DESCRIPTION OF ASSETS Total Balance ROD Depreciation
01.04.2025 30.09.2025 30.09.2025 31.03.2026

Vehicle 378,317.79 - 10.00 378,327.79 15% 56,748.42 321,579.38

Total 378,317.79 - 10.00 378,327.79 56,748.42 321,579.38

Addition
WDV as on Addition after WDV as on
DESCRIPTION OF ASSETS during the Total Balance ROD Depreciation
01.04.2020 30.09.2020 31.03.2021
Year

Vehicle 321,579.38 - 15.00 321,594.38 15% 48,238.03 273,356.34

Total 321,579.38 - 15.00 321,594.38 48,238.03 273,356.34