ASSESSMENT OF WORKING CAPITAL REQUIREMENTS

FORM - I
PARTICULARS OF EXISTING / PROPOSED LIMITS FROM THE BANKING SYSTEM
(Limits from all Banks and Financial Institutions as on date of application)
Name: M/s THE TAAL HOTEL AND RESTAURANTS Amount: In Rs.

EXTENT TO WHICH
EXISTING LIMITS LIMITS NOW
NAME OF BANK / FINANCIAL NATURE OF LIMITS WERE
Sl. No FROM CENTRAL REQUESTED
INSTITUTION FACILITY UTILISED DURING
BANK OF INDIA 2023-24
LAST 12 MONTHS
MAX. MIN.
A. WORKING CAPITAL LIMITS:
FUND BASED OD Limit/CC ₹ - ₹ - ₹ - ₹ 1,060,000
Limit
NON FUND BASED ₹ - ₹ - ₹ -
B. TERM LOANS/DPGS EXCLUDING ₹ - ₹ - ₹ - ₹ 2,440,000
WORKING CAPITAL TERM LOANS/
MUDRA LOAN
TOTAL ₹ - ₹ - ₹ - ₹ 3,500,000
 ASSESSMENT OF WORKING CAPITAL REQUIREMENTS
FORM II : OPERATING STATEMENT
Name: M/s THE TAAL HOTEL AND RESTAURANTS Amount: In Lakh
As per Profit & Loss account actuals/estimates for the year ended/ending
Actual Estimated Projected Projected Projected Projected
31.03.2024 31.03.2025 31.03.2026 31.03.2027 31.03.2028 31.03.2029
1. GROSS SALES
Local Sales & Services 66.50 79.80 95.76 114.91 137.89 165.47
Other Operating Income - - - - - -
Total 66.50 79.80 95.76 114.91 137.89 165.47
2. LESS EXCISE DUTY - - - - - -
3. NET SALES (1 - 2) 66.50 79.80 95.76 114.91 137.89 165.47
4. COST OF SALES
A. IMPORTED - - - - - -
B. INDIGENOUS 46.55 55.86 67.03 80.44 96.53 115.83
(vii) SUB TOTAL (A + B) 46.55 55.86 67.03 80.44 96.53 115.83
(x) COST OF PRODUCTION 46.55 55.86 67.03 80.44 96.53 115.83
(xiii) SUB TOTAL (COST OF SALES) 46.55 55.86 67.03 80.44 96.53 115.83
5. SELLING GENERAL AND
ADMINISTRATINVE
EXPENSES 6.65 7.98 9.58 11.49 13.79 16.55

5A. Other Indirect Income - - - - - -

6. Depreciation 3.60 3.46 3.41 3.07 2.77 2.49
7. SUB TOTAL (5+6) 56.80 67.30 80.02 95.00 113.08 134.87
8. Operating Profit Before Interest (3-7) 9.70 12.50 15.74 19.91 24.81 30.61

9. Interest 2.61 3.05 2.61 2.12 1.58 1.10

Net Profit 7.09 9.45 13.13 17.79 23.24 29.50
11% 12% 14% 15% 17% 18%
Net Operating Income 13 16 19 23 28 33
 ASSESSMENT OF WORKING CAPITAL REQUIREMENTS
FORM - III : ANALYSIS OF BALANCE SHEET
Name: M/s THE TAAL HOTEL AND RESTAURANTS Amount: In Lakh
As per Balance Sheet actuals/estimates for the year ended/ending
Actual Estimated Projected Projected Projected Projected
31.03.2024 31.03.2025 31.03.2026 31.03.2027 31.03.2028 31.03.2029
LIABILITIES
CURRENT LIABILITIES
1. Short Term Borrowing From Bank - - - - - -
Bills Purchased , Discounted & Excess Borrowing
Placed on Payment Basis
(i) From Applicant Bank 10.60 10.60 10.60 10.60 10.60 10.60
(ii) From Applicant bank (KCC) - - - - - -
SUB TOTAL (A) 10.60 10.60 10.60 10.60 10.60 10.60
2. Short Term Borrowing From Others
- - - - -
3. Sundry Creditors (Trade) 18.62 22.34 26.81 32.18 38.61 46.33 ###
4. Advance From Customers - - - - - -
5. Provision For Taxation - - - - - -
6. Dividend payable - - - - - -
7. Other Statutory Liabilities (Due Within One Year) - - - - - -
8. Other Current Liabilities - - - - - -
One Year) (Specify Major Items) - - - - - -
SUB TOTAL (B) 18.62 22.34 26.81 32.18 38.61 46.33
9. Total Current Liabilities 29.22 32.94 37.41 42.78 49.21 56.93
[Total of 1 to 8]

TERM LIABILITIES ###

10. Term Loans/Secured Loans 21.80 17.57 12.90 7.74 2.03 - ###
11. Unsecured Loans - - - - - - ###
12. Other Term Liabilities - - - - - - ###
13. Total Term Liabilities 21.80 17.57 12.90 7.74 2.03 -
14. Total Outstanding Liabilities 51.02 50.52 50.31 50.51 51.24 56.93
NET WORTH
15. Ordinary Share Capital / Partners Capital 17.70 25.09 35.00 44.37 56.74 68.56
16. General Reserves
17. Net Worth (15 to 16) 17.70 25.09 35.00 44.37 56.74 68.56
22. Total Liabilities (14+17) 68.72 75.60 85.31 94.88 107.98 125.49
 ASSESSMENT OF WORKING CAPITAL REQUIREMENTS
FORM - III : ANALYSIS OF BALANCE SHEET
Name: M/s THE TAAL HOTEL AND RESTAURANTS Amount: In Lakh
As per Balance Sheet actuals/estimates for the year ended/ending
Actual Estimated Projected Projected Projected
31.03.2024 31.03.2025 31.03.2026 31.03.2027 31.03.2028
CURRENT ASSETS
23. Cash and Bank Balances 4.40 6.16 8.62 12.07 16.90
24. Investments
(i) Government & Other Securities - - - - -
(ii) Fixed Deposits With Bank - - - - -
25. (i) Receivable 31.92 38.30 45.96 55.16 66.19
(ii) Export Receivables
Purchased & Discounted by Banks) - - - - -
26. Inventory :
(iii) Finished Goods - - - - -
27. Other Current Assets
28. Loans & Advances (Asset) - - - - -
29. Total Current Assets
(Total of 26 to 33) 36.32 44.46 54.59 67.23 83.09

FIXED ASSETS
29. Gross Block 36.00 34.60 34.14 30.73 27.65
30. Depreciation 3.60 3.46 3.41 3.07 2.77
31. NET BLOCK (35-36) 32.40 31.14 30.73 27.65 24.89
OTHER NON-CURRENT ASSETS
32. Investments / Advances / Deposits
Which Are Not Current Assets
(i) (a) Investments In Subsidiary Co. - - - - -
(b) Others - - - - -
33. TOTAL OF OTHER NON-CURRENT ASSETS - - - - -
34. Intangible Assets
Bad/Doubtful Expenses - - - - -
35. Total Assets (34+37+41+42) 68.72 75.60 85.31 94.88 107.98
check - - - - -
 Amount: In Lakh
ng
Projected
31.03.2029

23.66
###
-
-
79.43

-
###
-

103.09

24.89
2.49
22.40

-
-
-

-
125.49
-
 ASSESSMENT OF WORKING CAPITAL REQUIREMENTS
FORM - V : RATIO ANALYSIS
Name: M/s THE TAAL HOTEL AND RESTAURANTS Amount: In Lakh

Performance/Financial Ratios 31.03.2024 31.03.2025 31.03.2026 31.03.2027 31.03.2028 31.03.2029

Days 365 365 365 365 365 365
(a) Net Sales 66.50 79.80 95.76 114.91 137.89 165.47
(b) Profit after tax 7.09 9.45 13.13 17.79 23.24 29.50
(c) TNW 17.70 25.09 35.00 44.37 56.74 68.56

(e) Current Ratio (Trading) [MORE THAN 1.2] 1.24 1.35 1.46 1.57 1.69 1.81
Adequate Adequate Adequate Adequate Adequate Adequate

(f) TOL/TNW [LESS THAN 5] 2.88 2.01 1.44 1.14 0.90 0.83
Adequate Adequate Adequate Adequate Adequate Adequate

(h) Bank Borrowing/TNW [LESS THAN 4] 1.83 1.29 0.80 0.53 0.32 0.18
Adequate Adequate Adequate Adequate Adequate Adequate

(j) Interest coverage ratio [MORE THAN 1.6] 5.09 6.11 6.28 8.82 13.02 20.99
Adequate Adequate Adequate Adequate Adequate Adequate
 ASSESSMENT OF WORKING CAPITAL REQUIREMENTS
FORM - IV : FIXED ASSETS SCHEDULE
Name: M/s THE TAAL HOTEL AND RESTAURANTS

Fixed Assets

WDV Additions WDV

Particulars As on After Before Total Depreciation As on
4/1/2023 10/1/2023 9/30/2023 3/31/2024
Plant & Machinery 3,300,000 - - 3,300,000 330,000 2,970,000 10%
Furniture & Fixtures 300,000 - - 300,000 30,000 270,000 10%
TOTAL 3,600,000 - - 3,600,000 360,000 3,240,000

WDV Additions WDV

Particulars As on After Before Total Depreciation As on
4/1/2024 10/1/2024 9/30/2024 3/31/2025
Motor cycle 2,970,000 - - 2,970,000 297,000 2,673,000 10%
Tools & Equipment 270,000 - 220,000 490,000 49,000 441,000 10%
TOTAL 3,240,000 - 220,000 3,460,000 346,000 3,114,000

WDV Additions WDV

Particulars As on After Before Total Depreciation As on
4/1/2025 10/1/2025 9/30/2025 3/31/2026
Motor cycle 2,673,000 - - 2,673,000 267,300 2,405,700 10%
Tools & Equipment 441,000 - 300,000 741,000 74,100 666,900 10% 15%
TOTAL 3,114,000 - 300,000 3,414,000 341,400 3,072,600

WDV Additions WDV

Particulars As on After Before Total Depreciation As on
4/1/2026 10/1/2026 9/30/2026 3/31/2027
Motor cycle 2,405,700 - - 2,405,700 240,570 2,165,130 10%
Tools & Equipment 666,900 - - 666,900 66,690 600,210 10%
TOTAL 3,072,600 - - 3,072,600 307,260 2,765,340

WDV Additions WDV

Particulars As on After Before Total Depreciation As on
4/1/2027 10/1/2027 9/30/2027 3/31/2028
Motor cycle 2,165,130 - - 2,165,130 216,513 1,948,617 10%
Tools & Equipment 600,210 - - 600,210 60,021 540,189 10%
TOTAL 2,765,340 - - 2,765,340 276,534 2,488,806

WDV Additions WDV

Particulars As on After Before Total Depreciation As on
4/1/2028 10/1/2028 9/30/2028 3/31/2029
Computer 1,948,617 1,948,617 194,862 1,753,755 10%
Furniture & Fixtures 540,189 - - 540,189 54,019 486,170 10%
TOTAL 2,488,806 - - 2,488,806 248,881 2,239,925
Kumawat Furniture, Jaipur Rajasthan

TOTAL LOAN 2,440,000

Rate 10.00%
Installment Monthly 60

Caclulation of Interest:
Installment No. Month Principal Interest EMI Yearly Interest
1 August ₹ 31,509 ₹ 20,333 ₹ 51,842.79
2 September ₹ 31,772 ₹ 20,071 ₹ 51,842.79
3 October ₹ 32,037 ₹ 19,806 ₹ 51,842.79
4 November ₹ 32,304 ₹ 19,539 ₹ 51,842.79
5 December ₹ 32,573 ₹ 19,270 ₹ 51,842.79
6 January ₹ 32,845 ₹ 18,998 ₹ 51,842.79
7 February ₹ 33,119 ₹ 18,724 ₹ 51,842.79
8 March ₹ 33,395 ₹ 18,448 ₹ 51,842.79
9 April ₹ 33,673 ₹ 18,170 ₹ 51,842.79
10 May ₹ 33,954 ₹ 17,889 ₹ 51,842.79
11 June ₹ 34,237 ₹ 17,606 ₹ 51,842.79
12 July ₹ 34,522 ₹ 17,321 ₹ 51,842.79 ₹ 226,175.08
13 August ₹ 34,810 ₹ 17,033 ₹ 51,842.79
14 September ₹ 35,100 ₹ 16,743 ₹ 51,842.79
15 October ₹ 35,392 ₹ 16,451 ₹ 51,842.79
16 November ₹ 35,687 ₹ 16,156 ₹ 51,842.79
17 December ₹ 35,984 ₹ 15,859 ₹ 51,842.79
18 January ₹ 36,284 ₹ 15,559 ₹ 51,842.79
19 February ₹ 36,587 ₹ 15,256 ₹ 51,842.79
20 March ₹ 36,892 ₹ 14,951 ₹ 51,842.79
21 April ₹ 37,199 ₹ 14,644 ₹ 51,842.79
22 May ₹ 37,509 ₹ 14,334 ₹ 51,842.79
23 June ₹ 37,822 ₹ 14,021 ₹ 51,842.79
24 July ₹ 38,137 ₹ 13,706 ₹ 51,842.79 ₹ 184,713.00
25 August ₹ 38,455 ₹ 13,388 ₹ 51,842.79
26 September ₹ 38,775 ₹ 13,068 ₹ 51,842.79
27 October ₹ 39,098 ₹ 12,745 ₹ 51,842.79
28 November ₹ 39,424 ₹ 12,419 ₹ 51,842.79
29 December ₹ 39,752 ₹ 12,091 ₹ 51,842.79
30 January ₹ 40,084 ₹ 11,759 ₹ 51,842.79
31 February ₹ 40,418 ₹ 11,425 ₹ 51,842.79
32 March ₹ 40,755 ₹ 11,088 ₹ 51,842.79
33 April ₹ 41,094 ₹ 10,749 ₹ 51,842.79
34 May ₹ 41,437 ₹ 10,406 ₹ 51,842.79
35 June ₹ 41,782 ₹ 10,061 ₹ 51,842.79
36 July ₹ 42,130 ₹ 9,713 ₹ 51,842.79 ₹ 138,912.00
37 August ₹ 42,481 ₹ 9,362 ₹ 51,842.79
38 September ₹ 42,835 ₹ 9,008 ₹ 51,842.79
39 October ₹ 43,192 ₹ 8,651 ₹ 51,842.79
40 November ₹ 43,552 ₹ 8,291 ₹ 51,842.79
41 December ₹ 43,915 ₹ 7,928 ₹ 51,842.79
42 January ₹ 44,281 ₹ 7,562 ₹ 51,842.79
43 February ₹ 44,650 ₹ 7,193 ₹ 51,842.79
44 March ₹ 45,022 ₹ 6,821 ₹ 51,842.79
45 April ₹ 45,397 ₹ 6,446 ₹ 51,842.79
46 May ₹ 45,776 ₹ 6,067 ₹ 51,842.79
47 June ₹ 46,157 ₹ 5,686 ₹ 51,842.79
48 July ₹ 46,542 ₹ 5,301 ₹ 51,842.79 ₹ 88,316.00
49 August ₹ 46,929 ₹ 4,914 ₹ 51,842.79
50 September ₹ 47,321 ₹ 4,522 ₹ 51,842.79
51 October ₹ 47,715 ₹ 4,128 ₹ 51,842.79
52 November ₹ 48,112 ₹ 3,731 ₹ 51,842.79
53 December ₹ 48,513 ₹ 3,330 ₹ 51,842.79
54 January ₹ 48,918 ₹ 2,925 ₹ 51,842.79
55 February ₹ 49,325 ₹ 2,518 ₹ 51,842.79
56 March ₹ 49,736 ₹ 2,107 ₹ 51,842.79
57 April ₹ 50,151 ₹ 1,692 ₹ 51,842.79
58 May ₹ 50,569 ₹ 1,274 ₹ 51,842.79
59 June ₹ 50,990 ₹ 853 ₹ 51,842.79
60 July ₹ 51,415 ₹ 428 ₹ 51,842.79 ₹ 32,422.00