RAMESH KUMAR SONI

First Method of Lending Projections Projections

(As per audited accounts)
Year 2022-23 2023-24 2024-25 2025-26 2026-27 2027-28 2028-29

1. Total Current Assets 1183.36 1343.98 1545.07 1771.18 2041.20 2337.78 2686.77
2. Other Current Liabilities (other than
bank borrowings 410.70 418.36 438.01 458.93 483.58 509.04 416.16
3. Working Capital Gap (WCG) (1-2) 772.66 925.62 1107.07 1312.26 1557.61 1828.74 2270.62
4. Min. stipulated net working capital:
(25% of WCG excluding export receivables) 193.16 231.41 276.77 328.06 389.40 457.18 567.65
5. Actual / Projected net working capital
422.66 575.62 757.07 962.26 1207.61 1478.74 1920.62
6. Item-3 minus Item-4 579.49 694.22 830.30 984.19 1168.21 1371.55 1702.96
7. Item-3 minus Item-5 350.00 350.00 350.00 350.00 350.00 350.00 350.00
8. Max. permissible bank finance
(item-6 or 7, whichever is lower) 350.00 350.00 350.00 350.00 350.00 350.00 350.00
9. Excess borrowings representing
shortfall in NWC (4 - 5)

Second Method of Lending

1. Total Current Assets 1183.36 1343.98 1545.07 1771.18 2041.20 2337.78 2686.77
2. Other Current Liabilities (other than
bank borrowings 410.70 418.36 438.01 458.93 483.58 509.04 416.16
3. Working Capital Gap (WCG) (1-2) 772.66 925.62 1107.07 1312.26 1557.61 1828.74 2270.62
4. Min. stipulated net working capital:
(25% of total Current Assets excluding
export receivables) 295.84 335.99 386.27 442.80 510.30 584.45 671.69
5. Actual / Projected net working capital
422.66 575.62 757.07 962.26 1207.61 1478.74 1920.62
6. Item-3 minus Item-4 476.82 589.63 720.80 869.46 1047.31 1244.29 1598.92
7. Item-3 minus Item-5 350.00 350.00 350.00 350.00 350.00 350.00 350.00
8. Max. permissible bank finance
(item-6 or 7, whichever is lower) 350.00 350.00 350.00 350.00 350.00 350.00 350.00
9. Excess borrowings representing
shortfall in NWC (4 - 5)