PROJECT REPORT

For Tent House

Prime Minister's Employment Generation Programme (PMEGP)
Total Project Cost/ Lakhs - 10.00
Total Employment Generation (Person) 5
Subsidy Under Scheme@35%/Lakhs 3.50

Submitted By,
Banti S/o Mehtab
Resident :- Kanjhar, Kundiya, Tehsil Bhaikangaon, Dis Khargone, 451331

Report Prepared By
MD Patlara & Company
GF-130, Radha Vallabh Market, Khargone 451001 M.P.
Mobile No :- +91 96697 91474
Banti S/o Mehtab
Resident :- Kanjhar, Kundiya, Tehsil Bhaikangaon, Dis Khargone, 451331

INDEX

S.N Particulars
1 Project at Glance
2 Cost of Project and Means of Finance
3 Estimation of Income & Expenditure
4 Income &Receipts
5 Availability, Marketing & Others
6 Analysis of Balance Sheet - Liabilities
7 Analysis of Balance Sheet - Assets
8 Comparative Statement of Current Assets & Current Liabilities
9 Computation of Maximum Permissible Bank Finance- MPBF
10 Fund Flow Statement
11 Financial Performance
12 ACR & FACR, ICR
13 Calculation of DSCR
14 Financial Ratios
15 Re-Payment Schedule
16 Interest, Principal Chart
17 Depreciation Schedule
18 Calculation of Income Tax
Banti S/o Mehtab
Resident :- Kanjhar, Kundiya, Tehsil Bhaikangaon, Dis Khargone, 451331

Project at Glance
S.N Particulars Details
1 Name of the Banti S/o Mehtab
Resident :- Kanjhar, Kundiya, Tehsil Bhaikangaon, Dis
2 Address of Applicant
Khargone, 451331
3 Contact Details 6264831926
4 Category ST
5 Gender Male
6 Age 24
7 Education 10th Pass
8 Total Project cost (Lakhs) 10.00
9 Spoonsered Scheme PMEGP
10 Proposed Activity Tent House
11 Industry Service
12 Type of ownership Individual
Resident :- Kanjhar, Kundiya, Tehsil Bhaikangaon, Dis
13 Address of Business unit
Khargone, 451331
14 Repayment Period 7.00
15 EMI Month 84.00
16 Interest Rate % 11.00
Banti S/o Mehtab
Resident :- Kanjhar, Kundiya, Tehsil Bhaikangaon, Dis Khargone, 451331

COST OF PROJECT
Amount In Lakhs.
S.N Particulars Amount

1 Capital Expenditure 9.50

(as per Quoation provided by applicant )

2 Working Capital 0.50

Total Project Cost 10.00

MEANS OF FINANCE
Amount In Lakhs.
Total Margin
S.N Particulars Bank Loan
Project cost @5%

1 Term Loan 9.50 0.48 9.03

2 Working Capital 0.50 0.03 0.48

Total 10.00 0.50 9.50

3 Subsidy @35 % 3.50

(Total Subsidy of the Project is 35% of Total Project Cost, in case of
Rural, OBC/Male Applicant )

Note :-
*The promoter’s contribution is 5% of the project cost.
*Details of Composite Purchase of Plant & Machinery are as per the details provided by the applicant.we are advised to
please refer details quotation for the same.
*Subsidy on total project cost @35% will be adjust in Term loan after lock in period 3 year.
Banti S/o Mehtab
Resident :- Kanjhar, Kundiya, Tehsil Bhaikangaon, Dis Khargone, 451331

Estimation of Income
1 Working Months 6.00
4 Monthly Job order 3.00

Per Job order Income Estimation

Rent Income - Per
S.N Particulars Unit Qty Rate/Rs.
day
1 Cellings Number 50 250 12500
2 Wall cartans Number 50 250 12500
3 Carpet Number 2000 4 8000
4 Chairs Number 100 10 1000
5 Statges - 60*12 Number 12 10000 120000
6 Gadiya Number 100 10 1000
7 Cambal Number 100 10 1000
8 Chatai Number 20.00 180.00 3600
9 Trace Gat Number 4.00 800.00 3200.00
Total Income- per Job 162800.00
In Lakhs 1.63

Working Months 6.00

Monthly Job order 3.00
per Job Income 1.63
Total Income Monthly 4.88
Total Annul Job order 18.00
Total Income Yearly 29.30

Expenses :-

S.N Particulars Unit Qty Number Montlty Expenses

1 Fixed :-
Rent Montly 5000.00 5.00 1.50
Labour Montly 6500.00 10.00 3.90
Depreciation Yearly
Interest on Loan Yearly
2 Variable :-
Repairing & Maintance Montly 10000.00 5.00 0.50
Supervisor Montly 15000.00 2.00 1.80
Trasnport per Job 5000.00 18.00 0.90
Total Expenses 8.60
Banti S/o Mehtab
Resident :- Kanjhar, Kundiya, Tehsil Bhaikangaon, Dis Khargone, 451331

Availability, Marketing & Others

S.N Availability Source/Place

1 Stock Materaial Khargone, Indore
Marriage, Event, Political Event, Festival
2 Targeted Clients, Customers
, Etc.
Villages around Bhikangaon ,Khargone
5 Proximity of market (KM)
Area
Obtention of comprehensive insurance
from Insurance Company preferably with
10 Insurance
Bank tie-up arrangement and any other
agency locally available.
Note :-
Renewal :-
*Annual insurance premium to be borne by the applicant from his own sources with
Banti S/o Mehtab
Resident :- Kanjhar, Kundiya, Tehsil Bhaikangaon, Dis Khargone, 451331

Income &Receipts
Amount In Lakhs.

2024-2025 2025-2026 2026-2027 2027-2028 2028-2029 2029-2030 2030-2031

S.N PARTICULARS
Projections Projections Projections Projections Projections Projections Projections
1 Gross Sales :
(i) Domestic gross receipts 21.98 31.00 32.67 34.57 36.64 38.92 41.35
(ii) Export Sales
Other Operating Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Sales 21.98 31.00 32.67 34.57 36.64 38.92 41.35
2 Less: Excise Duty/VAT
3 Net Sales 21.98 31.00 32.67 34.57 36.64 38.92 41.35
% rise/fall in net sales compared to last
4 0.00% 41.05% 5.40% 5.80% 6.00% 6.20% 6.25%
year
5 Cost of Sales :-
(i) Raw materials (Purchases)
a Imported
b Indigenous 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(ii) Stores and spares
a Imported
b Indigenous
(iii) Wages & Salaries 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(iv) Other Trading / Manufacturing Expenses 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(v) Power and Fuels 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(vi) Depreciation 0.48 0.90 0.81 0.73 0.66 0.59 0.53
(vi) Sub-total (i to vi) 0.48 0.90 0.81 0.73 0.66 0.59 0.53
(vii) Add: Opening stocks-in-Process 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Sub - total 0.48 0.90 0.81 0.73 0.66 0.59 0.53
(viii) Less: Closing stocks-in-Process 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(ix) Cost of Production 0.48 0.90 0.81 0.73 0.66 0.59 0.53
(x) Add: Opening stock of Finished Goods 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Sub - total 0.48 0.90 0.81 0.73 0.66 0.59 0.53
(xi) Less: Closing stock of Finished goods 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(xii) Cost of Sales 0.48 0.90 0.81 0.73 0.66 0.59 0.53
6 operating Expenses 8.60 9.93 11.47 13.25 15.30 17.68 20.42
7 Sub - total (5+6) 9.08 10.84 12.29 13.98 15.96 18.27 20.95
8 Operating Profit before interest (3-7) 12.90 20.16 20.39 20.59 20.68 20.65 20.40
Interest Paid 1.00 0.89 0.77 0.63 0.48 0.31 0.13
Total Interest 1.00 0.89 0.77 0.63 0.48 0.31 0.13
10 Operating Profit after Interest 11.91 19.28 19.62 19.96 20.20 20.33 20.27
11 i) Add: Other Non-operating Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00
ii) Less:Other non-operationg Exp. 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net of other non-operating income / exp 0.00 0.00 0.00 0.00 0.00 0.00 0.00
12 Profit before Taxes/Losses 11.91 19.28 19.62 19.96 20.20 20.33 20.27
13 Provision for Taxes/Income Tax Paid 0.00 3.90 4.01 4.11 4.18 4.22 4.20
14 Net Profit/ Loss 11.91 15.37 15.62 15.85 16.02 16.11 16.07
15 (a) Less : Dividend Paid/Remuneration 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(d) Less: Remuneration 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(c) Add : Declaration Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00
16 Retained Profit (14-15) 11.91 15.37 15.62 15.85 16.02 16.11 16.07
17 Retained Profit/Net Profit (%) 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Banti S/o Mehtab
Resident :- Kanjhar, Kundiya, Tehsil Bhaikangaon, Dis Khargone, 451331

Analysis of Balance Sheet - Assets

2024-2025 2025-2026 2026-2027 2027-2028 2028-2029 2029-2030 2030-2031

S.N PARTICULARS
Projections Projections Projections Projections Projections Projections Projections
CURRENT ASSETS
26 Cash & Bank balances 2.20 6.20 6.53 6.91 7.33 7.78 8.27
27 Investments other than long term Investment
(i) Govt & other Trustee securities
(ii) Fixed deposits with Banks
(including margin money)
28 (i) Receivables other than deferred & exports 1.76 5.32 5.69 6.11 6.56 7.06 7.60
(including BP/BD by banks)
(ii) Export receivables
(including BP/BD by banks)
29 Instalments of deferred receivables
(due within 1 year)
30 Inventories:
(i) Raw Materials (including stores & other
items used in the process of manufacture)
(ii) Stocks in process
(iii) Finished Goods
(iv) Other consumable spares
31 Advances to suppliers of raw materials &
stores/spares
32 Advance Payment of Taxes
33 Other current assets
34 TOTAL CURRENT ASSETS(Total of 26 to 33) 3.96 11.52 12.22 13.02 13.89 14.84 15.87
Gross Block (Land & Building, Machinery & Work
35 9.50 9.03 8.12 7.31 6.58 5.92 5.33
in Progress) - WDV
36 Depreciation to date 0.48 0.90 0.81 0.73 0.66 0.59 0.53
37 Net Block (35-36) 9.03 8.12 7.31 6.58 5.92 5.33 4.80
Other Non-current Assets
38 Investments/Book Debts/Advances/Deposits 3.00 3.00 3.00 3.00 3.00 3.00 3.00
which are not current assets (Security Dep)
(I)(A) Investment in subsidiary companies/affiliates
(B) Others / Margin on LC / LG
(ii)Advances to suppliers of Capital Goods &
Contractors (Receivables more than six months
(iii) Deferred receivables (maturity exceeding 1 year)
(iv) Others(Deffered Tax Asset)
39 Non-consumable stores & spares
40 Other non-current assets including receivables 0.00 0.00 0.00 0.00 0.00 0.00 0.00
beyond six months (Preliminary expenses)
41 TOTAL OTHER NON-CURRENT ASSETS 3.00 3.00 3.00 3.00 3.00 3.00 3.00
(Total of 38 to 40)
42 Intangible assets (Patents / goodwill / preliminary
expenses/ bad & doubtful not provided etc)
43 Round off- due to Amt In Lakhs. As per Financials
43 TOTAL ASSETS (34+37+41+42) 15.98 22.64 22.53 22.60 22.81 23.17 23.66
44 TANGIBLE NET WORTH (24-42) 5.39 8.63 9.37 10.41 11.75 13.42 15.43
45 NET WORKING CAPITAL (NWC) 1.44 4.55 4.94 5.41 5.95 6.58 7.63
(17+24)-(37+41+42) = (34-10)
46 CURRENT RATIO (34/10) 1.57 1.65 1.68 1.71 1.75 1.80 1.93
NET WORTH (18/44) -TOTAL OUTSIDE
47 1.97 1.62 1.40 1.17 0.94 0.73 0.53
LIABILITIES/TANGIBLE
Banti S/o Mehtab
Resident :- Kanjhar, Kundiya, Tehsil Bhaikangaon, Dis Khargone, 451331

Analysis of Balance Sheet - Liabilities

2024-2025 2025-2026 2026-2027 2027-2028 2028-2029 2029-2030 2030-2031

S.N PARTICULARS
Projections Projections Projections Projections Projections Projections Projections
CURRENT LIABILITIES :-
1 Short Term borrowings from Banks
(i) From Applicant Banks 0.48 0.48 0.48 0.48 0.48 0.48 0.48
(ii) From Other Banks
(iii) (of which BP & BD)
Sub-total (A) 0.48 0.48 0.48 0.48 0.48 0.48 0.48
2 Short Term Borrowings from Others
3 Sundry Creditors - Trade 1.10 1.55 1.63 1.73 1.83 1.95 2.07
Sundry Creditors - Others
4 Advance payments from Customers
deposits from dealers
5 Provision for Taxation 0.00 3.90 4.01 4.11 4.18 4.22 4.20
6 Dividend payable
7 Other Statutory liabilities (due within one year)
Deposits/Instalments of Term Loans/DPGs/Other
8 0.94 1.05 1.17 1.30 1.45 1.62 1.49
current liabilities
9 Other current liabilities & Provisions
(due within 1 year)
Sub-total (B) 2.04 6.50 6.81 7.14 7.47 7.79 7.76
10 TOTAL CURRENT LIABILITIES ( A+B) 2.51 6.97 7.28 7.61 7.94 8.26 8.24
TERM LIABILITIES :-
11 Debentures (not due within 1 year)
12 Preference shares (Red. after 1 year)
Term loans (Excluding due within 1 year, Including
13 Covid Loan) please *Refer to Interest Calculation 8.09 7.04 5.87 4.57 3.12 1.49 0.00
/Existing Loan Details sheet.
Deferred Payment credits(excluding due within 1
14
year)
Unsecured Loans-Directors (QUASSI- Up to 100%
15
of TNW)
Unsecured Loans- Friends & Relatives (T/L)
16 Term Deposits
Deferred Tax liability/OTHER TERM LIABILITY
17 Total Term liabilities (Total of 11 to 16) 8.09 7.04 5.87 4.57 3.12 1.49 0.00
18 Total Outside liabilities (10+17) 10.60 14.01 13.16 12.18 11.06 9.76 8.24
NET WORTH :-
19 Ordinary Share Capital 0.00 5.39 8.63 9.37 10.41 11.75 13.42
20 Addition / Margin Money 0.50 0.00 0.00 0.00 0.00 0.00 0.00
Other Reserves (Excluding Provision) /Capital
21 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Subsidy
22 Surplus/Deficit in P&L a/c 11.91 15.37 15.62 15.85 16.02 16.11 16.07
24 Less :- Drawings 7.02 12.13 14.87 14.81 14.68 14.45 14.06
25 NET WORTH 5.39 8.63 9.37 10.41 11.75 13.42 15.43
26 TOTAL LIABILITIES (18+24) 15.99 22.64 22.53 22.60 22.81 23.17 23.66
Banti S/o Mehtab
Resident :- Kanjhar, Kundiya, Tehsil Bhaikangaon, Dis Khargone, 451331

Comparative Statement of Current Assets & Current Liabilities

S.N PARTICULARS 2024-2025 2025-2026 2026-2027 2027-2028 2028-2029 2029-2030 2030-2031
Projections Projections Projections Projections Projections Projections Projections
A CURRENT ASSETS
1 Raw materials (incl stores and
other items used in the process of manufacture)
a) Imported 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(months consumption) 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
(months consumption) 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 Other consumable spares excluding those

included in 1 above
a) Imported
(months consumption)
b) Indigenous 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(months consumption) 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 Stock in Process 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(months cost of production) 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 Finished Goods 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(months cost of sales) 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 Receivables other than deferred & exports 1.76 5.32 5.69 6.11 6.56 7.06 7.60
(including BP/BD by banks)
0.00 2.06 2.09 2.12 2.15 2.18 2.20

6 Export receivables (including BP/BD by banks) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 Advances to suppliers of raw materials & 0.00 0.00 0.00 0.00 0.00 0.00 0.00
stores/spares

8 Other current assets including Cash & Bank 2.20 6.20 6.53 6.91 7.33 7.78 8.27
balances,deferred receivables due within 1 year

TOTAL CURRENT ASSETS 3.96 11.52 12.22 13.02 13.89 14.84 15.87

B CURRENT LIABILITIES (other than Bank

borrowings for working capital)

9 Creditors for purchase of raw material, 1.10 1.55 1.63 1.73 1.83 1.95 2.07
stores & spares
0.00 0.00 0.00 0.00 0.00 0.00 0.00
LC creditors 0.00 0.00 0.00 0.00 0.00 0.00 0.00
11 Advances from customers 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 Statutory liabilities 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 Other current liabilities 0.94 4.95 5.17 5.41 5.63 5.84 5.70
(specify major items) Short term borrowings,
unsecured loans,dividend payable,instalments
of TL,DPG,public deposits,debentures etc.
14 TOTAL 2.04 6.50 6.81 7.14 7.47 7.79 7.76
Banti S/o Mehtab
Resident :- Kanjhar, Kundiya, Tehsil Bhaikangaon, Dis Khargone, 451331

Fund Flow Statement

2024-2025 2025-2026 2026-2027 2027-2028 2028-2029 2029-2030 2030-2031
S.N PARTICULARS
Projections Projections Projections Projections Projections Projections Projections
SOURCES
Profit before tax 11.91 19.28 19.62 19.96 20.20 20.33 20.27
Add: Depreciation 0.48 0.90 0.81 0.73 0.66 0.59 0.53
Gross Funds Generated 12.38 20.18 20.43 20.69 20.86 20.92 20.80
Less: Taxes paid/payable 0.00 3.90 4.01 4.11 4.18 4.22 4.20
Less: Dividends paid/payable 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Intangible Assets Written Off 0.00 0.00 0.00 0.00 0.00 0.00 0.00
A. Subtotal : Net Funds Generated 12.38 16.28 16.43 16.58 16.68 16.71 16.60
Increase in Capital & Security Premium 0.00 12.13 14.87 14.81 14.68 14.45 14.06
Increase in TL/Deb/DPG 8.09 0.00 0.00 0.00 0.00 0.00 0.00
Decrease in Fixed Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Decrease in Inter.Corp.Inv. & Advances 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Decrease in Other Non Current assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00
B. Sub total 8.09 12.13 14.87 14.81 14.68 14.45 14.06
Increase in ST Bank borrowings 0.48 0.00 0.00 0.00 0.00 0.00 0.00
Increase in other current liabilities 2.04 4.46 0.31 0.33 0.33 0.32 0.00
Decrease in inventory 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Decrease in Receivables 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Decrease in OCA 0.00 0.00 0.00 0.00 0.00 0.00 0.00
C. Sub total 2.51 4.46 0.31 0.33 0.33 0.32 0.00
Total Funds Available 22.98 32.87 31.61 31.72 31.69 31.48 30.66
USES 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Decrease in Capital & Security Premium 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Increase in Fixed Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Decrease in LT/Deb/DPG 0.00 1.05 1.17 1.30 1.45 1.62 1.49
Decrease in Public Deposits/UL 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Increase in int.corp.inv.& Adv. 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Increase in other non current assets 3.00 0.00 0.00 0.00 0.00 0.00 0.00
D. Sub total 3.00 1.05 1.17 1.30 1.45 1.62 1.49
Decrease in ST Bank borrowings 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Decrease in Other current liabilities 0.00 0.00 0.00 0.00 0.00 0.00 0.02
Increase in Inventory 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Increase in Receivables 1.76 3.56 0.37 0.42 0.46 0.50 0.54
Increase in Other current assets 2.20 4.00 0.33 0.38 0.41 0.45 0.49
E. Sub total 3.96 7.56 0.70 0.80 0.87 0.95 1.05
Loss 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Less depreciation 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Balance: 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Grossfunds lost(-)/generated(+) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Add : Taxes paid/payable 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Add: Dividends paid/payable 0.00 0.00 0.00 0.00 0.00 0.00 0.00
F. Sub Total 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Funds Used 6.96 8.61 1.87 2.10 2.32 2.58 2.54
Banti S/o Mehtab
Resident :- Kanjhar, Kundiya, Tehsil Bhaikangaon, Dis Khargone, 451331

Computation of Maximum Permissible Bank Finance- MPBF

2024-2025 2025-2026 2026-2027 2027-2028 2028-2029 2029-2030 2030-2031
S.N PARTICULARS
Projections Projections Projections Projections Projections Projections Projections

1 Total Current Assets ( 9 in Form IV) 3.96 11.52 12.22 13.02 13.89 14.84 15.87

2 Other Current Liabilities (Other than Bank 2.04 6.50 6.81 7.14 7.47 7.79 7.76
Borrowings - 14 of Form IV and term loan installments
duw within one year)

3 Working Capital Gap (WCG 1-2) 1.92 5.02 5.41 5.88 6.42 7.06 8.10

4 Minimum stipulated net working capital i.e. 0.99 2.88 3.06 3.25 3.47 3.71 3.97
25% of WCG/25% of total current assets as the
case may be depending upon the method of
lending being applied (export receivables to be
excluded under both methods)

5 Actual/Projected net working capital (45 in Form III) 1.44 4.55 4.94 5.41 5.95 6.58 7.63

6 Item 3 - Item 4 0.93 2.14 2.36 2.63 2.95 3.35 4.14

7 Item 3 - Item 5 0.48 0.48 0.48 0.48 0.48 0.48 0.48

8 Maximum permissible Bank Finance (item 6 or 0.48 0.48 0.48 0.48 0.48 0.48 0.48
Item 7 whichever is lower)

9 Excess borrowings 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2024-2025 2025-2026 2026-2027 2027-2028 2028-2029 2029-2030 2030-2031

S.N As per Turnover Method
Projections Projections Projections Projections Projections Projections Projections
1 Projected Annual Turnover 21.98 31.00 32.67 34.57 36.64 38.92 41.35
2 25 % of PAT 5.49 7.75 8.17 8.64 9.16 9.73 10.34
3 5% of PAT 1.10 1.55 1.63 1.73 1.83 1.95 2.07
4 NWC 1.44 4.55 4.94 5.41 5.95 6.58 7.63
5 Margin 1.44 4.55 4.94 5.41 5.95 6.58 7.63
6 MPBF as per turnover method 4.05 3.20 3.23 3.24 3.21 3.15 2.71
Banti S/o Mehtab
Resident :- Kanjhar, Kundiya, Tehsil Bhaikangaon, Dis Khargone, 451331

Financial Performance
2024-2025 2025-2026 2026-2027 2027-2028 2028-2029 2029-2030 2030-2031
S.N PARTICULARS
Projections Projections Projections Projections Projections Projections Projections
1 Paid-up Capital 7.52 17.52 23.50 24.18 25.09 26.20 27.48
2 Reserves & Surplus 11.91 15.37 15.62 15.85 16.02 16.11 16.07
3 Intangible Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 Tangible Net Worth 5.39 8.63 9.37 10.41 11.75 13.42 15.43
5 Adjusted TNW(4+7-11) 5.39 8.63 9.37 10.41 11.75 13.42 15.43
6 Long Term Liabilities 8.09 7.04 5.87 4.57 3.12 1.49 0.00
Unsecured loans from Promoters / family
7 included under (5) (To the extent of 100% 0.00 0.00 0.00 0.00 0.00 0.00 0.00
of TNW)
8 Capital Employed (4)+(6)+(7) 13.47 15.67 15.25 14.98 14.87 14.91 15.42
9 Total Outside Liabilities 10.60 14.01 13.16 12.18 11.06 9.76 8.24
Gross Block 9.50 9.03 8.12 7.31 6.58 5.92 5.33
10 Net Block 9.03 8.12 7.31 6.58 5.92 5.33 4.80
11 Investments 0.00 0.00 0.00 0.00 0.00 0.00 0.00
12 Non-Current Assets 3.00 3.00 3.00 3.00 3.00 3.00 3.00
13 Current Assets 3.96 11.52 12.22 13.02 13.89 14.84 15.87
14 Current Liabilities 2.51 6.97 7.28 7.61 7.94 8.26 8.24
15 NWC 1.44 4.55 4.94 5.41 5.95 6.58 7.63
16 Net Sales 21.98 31.00 32.67 34.57 36.64 38.92 41.35
Domestic 21.98 31.00 32.67 34.57 36.64 38.92 41.35
Export 0.00 0.00 0.00 0.00 0.00 0.00 0.00
% growth 0.00% 41.05% 5.40% 5.80% 6.00% 6.20% 6.25%
17 Gross Profit 21.50 30.10 31.86 33.84 35.98 38.32 40.81
18 Net Profit Before Tax 11.91 19.28 19.62 19.96 20.20 20.33 20.27
19 Net Profit After Tax (Retained Profit) 11.91 15.37 15.62 15.85 16.02 16.11 16.07
21 Depreciation 0.48 0.90 0.81 0.73 0.66 0.59 0.53
22 Cash Accruals 12.38 16.28 16.43 16.58 16.68 16.71 16.60
23 Long Term sources 13.47 15.67 15.25 14.98 14.87 14.91 15.42
24 Long Term uses 12.03 11.12 10.31 9.58 8.92 8.33 7.80
25 Surplus/Deficit 1.45 4.55 4.94 5.40 5.95 6.58 7.63
Dividends 0.00 0.00 0.00 0.00 0.00 0.00 0.00
26 On Equity Shares
On Preference shares
27 Average DSCR (for proposed Term Loan)
Networth to Bank Borrowings 0.63 1.02 1.27 1.68 2.40 3.92 7.36
0.00 0.00 0.00 0.00 0.00 0.00 0.00
11.5 BUILD UP OF NWC
i Opening NWC 1.44 4.55 4.94 5.41 5.95 6.58 7.63
ii + Long Term Sources 2.20 -0.42 -0.26 -0.11 0.04 38.92 41.35
iii - Long Term Users -0.90 -0.81 -0.73 -0.66 -0.59 38.92 41.35
iv Surplus/Deficit 3.10 0.39 0.47 0.54 0.63 0.00 0.00
v Closing NWC 4.54 4.94 5.41 5.95 6.58 0.06 0.06
11.6 MOVEMENT ON TNW (Rs. In lacs) 38.32 40.81
i Opening TNW 8.63 9.37 10.41 11.75 13.42 20.33 20.27
ii +Increase in paid up capital/application 5.98 0.69 0.91 1.11 1.27 16.11 16.07
iii Increase Decrease in Reserves 0.24 0.23 0.17 0.09 -0.04 0.59 0.53
iv -Debit balance in PL, if any 0.00 0.00 0.00 0.00 1.00 16.71 16.60
v Closing TNW 14.85 10.29 11.49 12.96 13.65 14.91 15.42
vi Less Intangibles Assets 0.00 0.00 0.00 0.00 0.00 8.33 7.80
vii Less investment in affiliates/ Subsidiaries 0.00 0.00 0.00 0.00 0.00 6.58 7.63
viii Unsecured loans 0.00 0.00 0.00 0.00 0.00 0.00 0.00
ix Adjusted TNW 14.85 10.29 11.49 12.96 13.65 0.00 0.00
Continue…….
Banti S/o Mehtab
Resident :- Kanjhar, Kundiya, Tehsil Bhaikangaon, Dis Khargone, 451331

2024-2025 2025-2026 2026-2027 2027-2028 2028-2029 2029-2030 2030-2031

S.N. PARTICULARS
Projections Projections Projections Projections Projections Projections Projections
1 Current Ratio 1.57 1.65 1.68 1.71 1.75 1.80 1.93
2 Debt/Equity Ratio 1.68 0.94 0.75 0.56 0.39 0.23 0.10
3 TOL/TNW Ratio 1.97 1.62 1.40 1.17 0.94 0.73 0.53
TOL/TNW Ratio with
unsecured loan as quasi
4 1.97 1.62 1.40 1.17 0.94 0.73 0.53
capital & included in
Net Worth
5 Gross Profit margin % 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%

6 Net Profit margin % 54.17 49.59 47.79 45.85 43.72 41.41 38.86

7 ACR 5.05 5.92 6.68 7.86 9.85 13.82 25.20

8 Return on Equity % 221.05 178.15 166.56 152.19 136.30 120.10 104.18

9 Return on Assets % 74.50 67.90 69.30 70.13 70.23 69.53 67.91

10 PAT/Operating Profit 0.92 0.76 0.77 0.77 0.77 0.78 0.79

11 Bank Borrowing/TNW 1.76 0.99 0.80 0.61 0.43 0.27 0.13

Current Ratio excluding
12 2.51 1.94 2.00 2.06 2.14 2.24 2.35
TL instalments due
Banti S/o Mehtab
Resident :- Kanjhar, Kundiya, Tehsil Bhaikangaon, Dis Khargone, 451331

2024-2025 2025-2026 2026-2027 2027-2028 2028-2029 2029-2030 2030-2031

S. N PARTICULARS
Projections Projections Projections Projections Projections Projections Projections
1 Total Inventory/Net sales % 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 Receivables/Gross Sales % 0.08 0.17 0.17 0.18 0.18 0.18 0.18
3 RM/Adj sales (%) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 Spares/ Adj sales (%) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5 Power & Fuel/ Adj sales (%) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6 Other Mfg Expenses/ Adj sales 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7 Cost of Production/ Adj sales (%) 2.16 2.91 2.49 2.12 1.80 1.52 1.29
8 Cost of Sales/ Adj sales (%) 2.16 2.91 2.49 2.12 1.80 1.52 1.29
9 Net Sales/Total Tangible Assets 1.38 1.37 1.45 1.53 1.61 1.68 1.75
(times)
10 PBT/ Total Tangible Assets (%) 74.50 85.13 87.08 88.30 88.55 87.74 85.67
11 Bank finance/Current Assets (%) 12.01 4.12 3.89 3.65 3.42 3.20 2.99
12 Inventory to Net Sales (days) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
13 Receivables to gross Sales (days) 28.80 61.78 62.67 63.58 64.46 65.32 66.14
14 Bank finance/Current Assets (%) 12.01 4.12 3.89 3.65 3.42 3.20 2.99
Banti S/o Mehtab
Resident :- Kanjhar, Kundiya, Tehsil Bhaikangaon, Dis Khargone, 451331

ACR & FACR, ICR

ASSETS COVERAGE RATIO :-
2024-2025 2025-2026 2026-2027 2027-2028 2028-2029 2029-2030 2030-2031
Particulars
Projections Projections Projections Projections Projections Projections Projections
Net Fixed Assets charged to the Bank (Plant &
9.03 8.12 7.31 6.58 5.92 5.33 4.80
Machinery & Proposed Building Book Value)
Inventory & Receivables(Primary Sec.) 1.76 5.32 5.69 6.11 6.56 7.06 7.60
Land Value 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Primary 10.78 13.44 13.00 12.68 12.48 12.39 12.39
Collateral(Market Value) - CGTMSE 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Immovable 37.22 37.22 37.22 37.22 37.22 37.22 37.22
Total Collateral 37.22 37.22 37.22 37.22 37.22 37.22 37.22
Total Security 48.00 50.66 50.22 49.90 49.70 49.61 49.61
Working Capital 0.48 0.48 0.48 0.48 0.48 0.48 0.48
Term loan 9.03 8.09 7.04 5.87 4.57 3.12 1.49
Total Bank exposure 9.50 8.56 7.52 6.35 5.04 3.59 1.97
Asset Coverage Ratio 5.05 5.92 6.68 7.86 9.85 13.82 25.20
Land sanwer road Book Value 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Bardari Land not mortgaged book value 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Building Book Value 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
FIXED ASSETS COVERAGE RATIO :-
2024-2025 2025-2026 2026-2027 2027-2028 2028-2029 2029-2030 2030-2031
Particulars
Projections Projections Projections Projections Projections Projections Projections
Net Fixed Assets charged to the Bank (Plant & 9.03 8.12 7.31 6.58 5.92 5.33 4.80
Machinery & Proposed Building Book Value)
Land Value 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Primary 9.03 8.12 7.31 6.58 5.92 5.33 4.80
Collateral(Market Value) - CGTMSE @75% 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Immovable 35.36 35.16 34.87 34.43 33.72 32.30 28.24
Total Collateral 35.36 35.16 34.87 34.43 33.72 32.30 28.24
Total Security 44.38 43.28 42.18 41.01 39.64 37.63 33.04
Term loan 9.03 8.09 7.04 5.87 4.57 3.12 1.49
Fixed Asset Coverage Ratio 4.92 5.35 5.99 6.98 8.67 12.08 22.12
CC 0.48 0.48 0.48 0.48 0.48 0.48 0.48
TL 9.03 8.09 7.04 5.87 4.57 3.12 1.49
TOTAL 9.50 8.56 7.52 6.35 5.04 3.59 1.97
Collateral-TL 35.36 35.16 34.87 34.43 33.72 32.30 28.24
Collateral-CC 1.86 2.06 2.35 2.79 3.50 4.92 8.98
Collateral 37.22 37.22 37.22 37.22 37.22 37.22 37.22
CGTSME Coverage @ 75% 0.00 0.00 0.00 0.00 0.00 0.00 0.00
CC% 5.00 5.55 6.32 7.48 9.42 13.23 24.13
TL% 95.00 94.45 93.68 92.52 90.58 86.77 75.87
Apportioned for TL 35.36 35.16 34.87 34.43 33.72 32.30 28.24
CGTSME Coverage @ 75% TL 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Banti S/o Mehtab
Resident :- Kanjhar, Kundiya, Tehsil Bhaikangaon, Dis Khargone, 451331

DSCR Calculation
2024-2025 2025-2026 2026-2027 2027-2028 2028-2029 2029-2030 2030-2031
S.N Particulars
Projections Projections Projections Projections Projections Projections Projections
1 Profit after Tax 11.91 15.37 15.62 15.85 16.02 16.11 16.07
2 Deprciation 0.48 0.90 0.81 0.73 0.66 0.59 0.53
3 Interest on Term Loan 0.95 0.84 0.72 0.58 0.43 0.26 0.08
Total 13.33 17.11 17.14 17.16 17.11 16.97 16.68
1 Principal Installment 0.94 1.05 1.17 1.30 1.45 1.62 1.49
2 Interest on Term Loan 0.95 0.84 0.72 0.58 0.43 0.26 0.08
Total 1.88 1.88 1.88 1.88 1.88 1.88 1.57
DSCR 7.07 9.08 9.10 9.11 9.08 9.00 10.62
Avg DSCR 8.97
Banti S/o Mehtab
Resident :- Kanjhar, Kundiya, Tehsil Bhaikangaon, Dis Khargone, 451331

Financial Ratios
2024-2025 2025-2026 2026-2027 2027-2028 2028-2029 2029-2030 2030-2031
S.N RATIOS
Projections Projections Projections Projections Projections Projections Projections
1 LIQUIDITY RATIO
Current Ratio 1.57 1.65 1.68 1.71 1.75 1.80 1.93
Current Ratio excluding TL instalments due
2.51 1.94 2.00 2.06 2.14 2.24 2.35
within 1year.
2 LEVERAGE RATIO
Debt/Equity Ratio 1.68 0.94 0.75 0.56 0.39 0.23 0.10
Debt/Equity Ratio (quasi-equity as a part of
1.68 0.94 0.75 0.56 0.39 0.23 0.10
TNW)
TOL / TNW Ratio 1.97 1.62 1.40 1.17 0.94 0.73 0.53
TOL / TNW Ratio with unsecured loan as
1.97 1.62 1.40 1.17 0.94 0.73 0.53
quasi capital & included in TNW
TOL+ CONTINGENT LIABILITIES/
1.97 1.62 1.40 1.17 0.94 0.73 0.53
ATNW
3 COVERAGE RATIO
FACR 4.92 5.35 5.99 6.98 8.67 12.08 22.12
ACR 5.05 5.92 6.68 7.86 9.85 13.82 25.20
4 SOLVENCY RATIO
DSCR 7.07 9.08 9.10 9.11 9.08 9.00 10.62
5 PROFITABILITY RATIO
Asset Turnover (Sales/ TTA) 1.38 1.37 1.45 1.53 1.61 1.68 1.75
Financial Leverage (TA/TNW) 2.97 2.62 2.40 2.17 1.94 1.73 1.53
Tax Burden Ratio (PAT/PBT) 1.00 0.80 0.80 0.79 0.79 0.79 0.79
Return on Equity % (PAT/ TNW) 221.05 178.15 166.56 152.19 136.30 120.10 104.18
Return on Assets % (PAT/Total Assets) % 74.50 67.90 69.30 70.13 70.23 69.53 67.91
Gross Profit margin % 100.00 100.00 100.00 100.00 100.00 100.00 100.00
Net Profit margin % 54.17 49.59 47.79 45.85 43.72 41.41 38.86
6 HOLDING LEVELS (IN DAYS)
Raw Material (Imp) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Raw Material (Ind) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Store & Spares 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Receivables Export 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Receivables Domestic 0.00 61.80 62.70 63.60 64.50 65.40 66.00
Sundry Creditors 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7 TURNOVER RATIO
Total Inventory/Net sales % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Receivables/Gross Sales % 8.00% 17.16% 17.41% 17.66% 17.91% 18.15% 18.37%
PBT/ Total Tangible Assets (%) 74.50% 85.13% 87.08% 88.30% 88.55% 87.74% 85.67%
Bank finance/Current Assets (%) 12.01% 4.12% 3.89% 3.65% 3.42% 3.20% 2.99%
Inventory turnover Ratio 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Receivable Turnover Ratio 29.20 62.64 63.54 64.46 65.36 66.23 67.06
WORKING CAPITAL CYCLE (IN
8
DAYS)
Inventory Holding Period (Days) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Receivable Holding Period (Days) 0.00 61.80 62.70 63.60 64.50 65.40 66.00
Payable Holding Period (Days) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Working Capital Cycle (Days) 0.00 61.80 62.70 63.60 64.50 65.40 66.00
Banti S/o Mehtab
Resident :- Kanjhar, Kundiya, Tehsil Bhaikangaon, Dis Khargone, 451331

Re-Payment Schedule

Rate of Interest 11.00%

Tenure of Loan 82.00
Principal 902500.00
EMI 15705.00

Total Total
Principal Amt Loan O/S End
S.N. Month EMI Interest Principal Interest Principal
Balance of the Year
Yearly Yearly
1 Apr-24 902500.00 15705.00 8273.00 7432.00 895068.00
2 May-24 895068.00 15705.00 8205.00 7500.00 887568.00
3 Jun-24 887568.00 15705.00 8137.00 7568.00 880000.00
4 Jul-24 880000.00 15705.00 8067.00 7638.00 872362.00
5 Aug-24 872362.00 15705.00 7997.00 7708.00 864654.00
6 Sep-24 864654.00 15705.00 7926.00 7779.00 856875.00
94643.00 93817.00
7 Oct-24 856875.00 15705.00 7855.00 7850.00 849025.00
8 Nov-24 849025.00 15705.00 7783.00 7922.00 841103.00
9 Dec-24 841103.00 15705.00 7711.00 7994.00 833109.00
10 Jan-25 833109.00 15705.00 7637.00 8068.00 825041.00
11 Feb-25 825041.00 15705.00 7563.00 8142.00 816899.00
12 Mar-25 816899.00 15705.00 7489.00 8216.00 808683.00
13 Apr-25 808683.00 15705.00 7413.00 8292.00 800391.00
14 May-25 800391.00 15705.00 7337.00 8368.00 792023.00
15 Jun-25 792023.00 15705.00 7261.00 8444.00 783579.00
16 Jul-25 783579.00 15705.00 7183.00 8522.00 775057.00
17 Aug-25 775057.00 15705.00 7105.00 8600.00 766457.00
18 Sep-25 766457.00 15705.00 7026.00 8679.00 757778.00
83788.00 104672.00
19 Oct-25 757778.00 15705.00 6947.00 8758.00 749020.00
20 Nov-25 749020.00 15705.00 6867.00 8838.00 740182.00
21 Dec-25 740182.00 15705.00 6786.00 8919.00 731263.00
22 Jan-26 731263.00 15705.00 6704.00 9001.00 722262.00
23 Feb-26 722262.00 15705.00 6621.00 9084.00 713178.00
24 Mar-26 713178.00 15705.00 6538.00 9167.00 704011.00
25 Apr-26 704011.00 15705.00 6454.00 9251.00 694760.00
26 May-26 694760.00 15705.00 6369.00 9336.00 685424.00
27 Jun-26 685424.00 15705.00 6284.00 9421.00 676003.00
28 Jul-26 676003.00 15705.00 6197.00 9508.00 666495.00
29 Aug-26 666495.00 15705.00 6110.00 9595.00 656900.00
30 Sep-26 656900.00 15705.00 6022.00 9683.00 647217.00
71675.00 116785.00
31 Oct-26 647217.00 15705.00 5933.00 9772.00 637445.00
32 Nov-26 637445.00 15705.00 5844.00 9861.00 627584.00
33 Dec-26 627584.00 15705.00 5753.00 9952.00 617632.00
34 Jan-27 617632.00 15705.00 5662.00 10043.00 607589.00
35 Feb-27 607589.00 15705.00 5570.00 10135.00 597454.00
36 Mar-27 597454.00 15705.00 5477.00 10228.00 587226.00
37 Apr-27 587226.00 15705.00 5383.00 10322.00 576904.00
38 May-27 576904.00 15705.00 5289.00 10416.00 566488.00
39 Jun-27 566488.00 15705.00 5193.00 10512.00 555976.00
40 Jul-27 555976.00 15705.00 5097.00 10608.00 545368.00
41 Aug-27 545368.00 15705.00 5000.00 10705.00 534663.00
42 Sep-27 534663.00 15705.00 4902.00 10803.00 523860.00
58163.00 130297.00
43 Oct-27 523860.00 15705.00 4803.00 10902.00 512958.00
44 Nov-27 512958.00 15705.00 4703.00 11002.00 501956.00
45 Dec-27 501956.00 15705.00 4602.00 11103.00 490853.00
46 Jan-28 490853.00 15705.00 4500.00 11205.00 479648.00
47 Feb-28 479648.00 15705.00 4397.00 11308.00 468340.00
48 Mar-28 468340.00 15705.00 4294.00 11411.00 456929.00
49 Apr-28 456929.00 15705.00 4189.00 11516.00 445413.00
50 May-28 445413.00 15705.00 4083.00 11622.00 433791.00
51 Jun-28 433791.00 15705.00 3977.00 11728.00 422063.00
52 Jul-28 422063.00 15705.00 3869.00 11836.00 410227.00
53 Aug-28 410227.00 15705.00 3761.00 11944.00 398283.00
54 Sep-28 398283.00 15705.00 3651.00 12054.00 386229.00
43082.00 145378.00
55 Oct-28 386229.00 15705.00 3541.00 12164.00 374065.00
56 Nov-28 374065.00 15705.00 3429.00 12276.00 361789.00
57 Dec-28 361789.00 15705.00 3317.00 12388.00 349401.00
58 Jan-29 349401.00 15705.00 3203.00 12502.00 336899.00
59 Feb-29 336899.00 15705.00 3089.00 12616.00 324283.00
 43082.00 145378.00

60 Mar-29 324283.00 15705.00 2973.00 12732.00 311551.00

61 Apr-29 311551.00 15705.00 2856.00 12849.00 298702.00
62 May-29 298702.00 15705.00 2739.00 12966.00 285736.00
63 Jun-29 285736.00 15705.00 2620.00 13085.00 272651.00
64 Jul-29 272651.00 15705.00 2500.00 13205.00 259446.00
65 Aug-29 259446.00 15705.00 2379.00 13326.00 246120.00
66 Sep-29 246120.00 15705.00 2257.00 13448.00 232672.00
26262.00 162198.00
67 Oct-29 232672.00 15705.00 2133.00 13572.00 219100.00
68 Nov-29 219100.00 15705.00 2009.00 13696.00 205404.00
69 Dec-29 205404.00 15705.00 1883.00 13822.00 191582.00
70 Jan-30 191582.00 15705.00 1757.00 13948.00 177634.00
71 Feb-30 177634.00 15705.00 1629.00 14076.00 163558.00
72 Mar-30 163558.00 15705.00 1500.00 14205.00 149353.00
73 Apr-30 149353.00 15705.00 1370.00 14335.00 135018.00
74 May-30 135018.00 15705.00 1238.00 14467.00 120551.00
75 Jun-30 120551.00 15705.00 1106.00 14599.00 105952.00
76 Jul-30 105952.00 15705.00 972.00 14733.00 91219.00
77 Aug-30 91219.00 15705.00 837.00 14868.00 76351.00
7637.00 149413.00
78 Sep-30 76351.00 15705.00 700.00 15005.00 61346.00
79 Oct-30 61346.00 15705.00 563.00 15142.00 46204.00
80 Nov-30 46204.00 15705.00 424.00 15281.00 30923.00
81 Dec-30 30923.00 15705.00 284.00 15421.00 15502.00
82 Jan-31 15502.00 15705.00 143.00 15562.00 -60.00
Banti S/o Mehtab
Resident :- Kanjhar, Kundiya, Tehsil Bhaikangaon, Dis Khargone, 451331

Interest, Principal Chart

( In Lakhs )
S.N Particulars Amount
1 Bank Finance - Term Loan 9.03
2 Term Loan Interst Rate % 11.00%
3 EMI Month 84.00
4 EMI Rs. 15705.00

2024-2025 2025-2026 2026-2027 2027-2028 2028-2029 2029-2030 2030-2031

S.N. Particulars
Projections Projections Projections Projections Projections Projections Projections
Interest Paid :-

1 CC/cash Credit 0.05 0.05 0.05 0.05 0.05 0.05 0.05

2 Term loan 0.95 0.84 0.72 0.58 0.43 0.26 0.08

Total 1.00 0.89 0.77 0.63 0.48 0.31 0.13

Pricipal :-

3 Op. Balance 9.03 8.09 7.04 5.87 4.57 3.12 1.49

Principal Paid During The

4 0.94 1.05 1.17 1.30 1.45 1.62 1.49
Year

5 Loan Closing Year -(3-4) 8.09 7.04 5.87 4.57 3.12 1.49 0.00
Banti S/o Mehtab
Resident :- Kanjhar, Kundiya, Tehsil Bhaikangaon, Dis Khargone, 451331

Depreciation Schedule
2024-2025 2025-2026 2026-2027 2027-2028 2028-2029 2029-2030 2030-2031 2031-2032
Particulars Rate/Cost
Projections Projections Projections Projections Projections Projections Projections Projections
WDV Method :-

Other Assets - Cattle 0.00% 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Opening Balance 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Dep For The Year 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Building and Site Development 10%

Opening Balance 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Dep For The Year 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Addition During Year 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
*Dep :- on Addition During Year 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Residual Cost of Assets - WDV 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Miscellaneous Fixed Assets 10%

Opening Balance 9.50 9.50 9.03 8.12 7.31 6.58 5.92 5.33 4.80
Dep For The Year 0.48 0.90 0.81 0.73 0.66 0.59 0.53 0.48
Total Residual Cost of Assets - WDV 9.03 8.12 7.31 6.58 5.92 5.33 4.80 4.32

Laptop & Computer 40%

Opening Balance 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Dep For The Year 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Residual Cost of Assets - WDV 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Plant & Machinery 15%

Opening Balance 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Dep For The Year 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Addition During Year 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
*Dep :- on Addition During Year 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Residual Cost of Assets - WDV 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

OP. Balance Assets. 9.50 9.03 8.12 7.31 6.58 5.92 5.33 0.00
Total Annual Depreciation as per
0.48 0.90 0.81 0.73 0.66 0.59 0.53 0.48
Schedule
Total WDV 9.03 8.12 7.31 6.58 5.92 5.33 4.80 -0.48
Banti S/o Mehtab
Resident :- Kanjhar, Kundiya, Tehsil Bhaikangaon, Dis Khargone, 451331

Calculation of Income Tax

2024-2025 2025-2026 2026-2027 2027-2028 2028-2029 2029-2030 2030-2031
S.N PARTICULARS
Projections Projections Projections Projections Projections Projections Projections

1 Profit Before Tax (NPBT) 11.91 19.28 19.62 19.96 20.20 20.33 20.27

2 Less : B\F Losses 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Net Balance 11.91 19.28 19.62 19.96 20.20 20.33 20.27

3 Deduction 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 Net Taxable Income 11.91 19.28 19.62 19.96 20.20 20.33 20.27

5 Income Tax (Individual) 0.00 3.90 4.01 4.11 4.18 4.22 4.20

After Tax 11.91 15.37 15.62 15.85 16.02 16.11 16.07

* we assume tax slab for FY 2022-23, for upcoming Year.