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Bank Appraisal Memo For CC TL
Bank Appraisal Memo For CC TL
(Rs in Lacs)
Particulars Projected Projected Projected Projected Projected
31-Mar-12 31-Mar-13 31-Mar-14 31-Mar-15 31-Mar-16
1 FIXED ASSETS
1.1 Gross block 13.00 11.70 10.53 9.48 8.53
1.2
1.3 Depreciation 1.30 1.17 1.05 0.95 0.85
1.4 Net block 11.70 10.53 9.48 8.53 7.68
2 CURRENT ASSETS
2.1 Cash & Bank Balance 0.55 0.68 0.87 0.89 0.94
2.2 Sundry debtors 0.40 5.00 5.50 8.50 10.50
2.3 Misc Current Assets 0.00 0.00 0.00 0.00 0.00
2.4 Sub total (2.1+2.2+2.3) 0.95 5.68 6.37 9.39 11.44
2.5 Inventory 13.00 13.00 13.00 13.00 13.00
2.6 Total Current assets 13.95 18.68 19.37 22.39 24.44
3 CURRENT LIABILITIES
3.1 Short term Loans & Advances 1.00 1.00 1.00 1.00 1.00
3.2 Sundry Creditors 2.00 2.00 2.00 2.00 2.00
3.3 1) Prov for taxation 0.00 0.00 0.00 0.00 0.00
2) Prov for dividend 0.00 0.00 0.00 0.00 0.00
3.4 Misc Current Liabilities 0.00 0.00 0.00 0.00 0.00
3.5 Sub total (3.1+3.2+3.3+3.4) 3.00 3.00 3.00 3.00 3.00
3.6 Short term Bank Borrowings(Proposed cc) 0.00 0.00 0.00 0.00 0.00
3.7 Sub Total (3.5+3.6) 3.00 3.00 3.00 3.00 3.00
3.8 Net Current Assets (2.6-3.7) 10.95 15.68 16.37 19.39 21.44
3.9 CURRENT RATIO(2.6/3.7) 4.65 6.23 6.46 7.46 8.15
4 Investments & Non current assets 8.75 8.75 8.75 0.00 0.00
Total(1.4+3.8+4) 31.40 34.96 34.60 27.92 29.12
FINANCED BY
5 Long term loan
5.1 Secured 9.88 7.41 4.94 0.00 0.00
5.2 Unsecured 0.00 0.00 0.00 0.00 0.00
5.3 Sub total(5.1+5.2) 9.88 7.41 4.94 0.00 0.00
6 Shareholder's fund
6.1 Equity Share Capital 1.25 1.25 1.25 1.25 1.25
6.2 Subsidy 8.75 8.75 8.75 8.75 8.75
6.3 Reserves &Surplus 2.52 5.77 9.58 13.84 18.54
6.4 Sub total(6.1+6.2+6.3) 12.52 15.77 19.58 23.84 28.54
6.5 Intangible Assets 0.00 0.00 0.00 0.00 0.00
6.6 Tangible Net worth(6.4-6.5) 12.52 15.77 19.58 23.84 28.54
Total(5.3+6.6) 22.40 23.18 24.52 23.84 28.54
7 Debt Equity Ratio(5.3/6.6) 0.79 0.47 0.25 0.00 0.00
8 TOL/TNW(5.3+3.7)/6.6 1.03 0.66 0.41 0.13 0.11
PROFITABILITY STATEMENT
(Rs in Lacs)
Projected Projected Projected Projected Projected
31-Mar-12 31-Mar-13 31-Mar-14 31-Mar-15 31-Mar-16
1 Gross Sales 90.00 97.50 105.00 112.50 120.00
2 Net Sales 90.00 97.50 105.00 112.50 120.00
3 Cost of goods sold/Purchase 80.00 82.00 85.00 90.00 95.00
4 Gross Profit(2-3) 10.00 15.50 20.00 22.50 25.00
5 Gross Profit to Net Sales(4x100/2) 11.11 15.90 19.05 20.00 20.83
6 Operating,Administrative,Selling 4.76 9.69 13.62 15.55 17.48
and General expenses
7 Interest 1.53 1.24 1.10 1.10 1.10
8 Operating Profit 3.71 4.57 5.28 5.85 6.42
9 Non operating surplus(+)/Deficit(-) 0.00 0.00 0.00 0.00 0.00
10 Pre tax profit/loss 3.71 4.57 5.28 5.85 6.42
11 Provision for taxation 0.19 0.23 0.26 0.29 0.32
12 Net profit/loss 3.52 4.34 5.02 5.56 6.10
13 Profit distribured through
a) Equity dividend 0.00 0.00 0.00 0.00 0.00
b) Others 1.00 1.09 1.21 1.30 1.40
14 Retained profit 2.52 3.25 3.81 4.26 4.70
15 Depreciation 1.30 1.17 1.05 0.95 0.85
16 Cash generation(12+15) 4.82 5.51 6.07 6.51 6.95
Net woking capital Long term source of fund-long term application of funds(Margin)
Working capital gap Current assets- current liability other than bank borrowing
Total 13.65
Total 11.70
NWC 1.95
BRANCH
ACCOUNT
RISK RATING
SANCTIONING AUTHORITY
NATURE OF ACTIVITIES
NATURE OF PROPOSAL
D Guarantors/Collateral securities
a) Guarantors
Name Networth
As on
b) Collateral Securities
Number
Number
Sl no PARTICULARS 2006-07
1 Interest earned
2 Commission earned
3 Bills purchased/ discounted
4 L/C opened (Number& Amt)
5 Guarantee issued
6 Credit turnover
7 Highest debit balance
Comments on the projected level and percentage in respect of the above items vis-à-vis
past actual
b) Proposed bank finance for the year (Turn over method)
In case the borrower applied for working capital limit higher or lower than that of computed
under Sl No 4, the following procedure should be adopted
Note :Calculation of item (F) and (G) will be done for projected/estimated figures only
b) Bank Guarantee
NOTE The cash flow statement will be required for the clients,seeking fresh term loan,
It may be observed that we have considered the actual availability of Cash towards
repayment of the term loan. Apart from computing DSCR, it is suggested to observe the
expected cash surplus I.e the cushion available as detailed in the format. The projected
closing cash balance at the end of each year must be at least 50% of the proposed
repayment of tht term liabilitilies for the respective year
For term loan/ DPG the minimum DSCR will be 1.50:1, for existing well established
borrowers. For a new company/ borrowers it should be 1.75:1
K Proposed Facilities
Nature of facilities Amount of limit
Existing Proposed
(Rs In Lacs)
Value of
immovable
properties
Amount
Amount
Rs in lacs
2007-08 2008-09
(Rs in lacs)
2010-11
90.00
22.50
10.95
11.55
0.00
Margin
Existing Proposed