Name : Mrs.N.

Ushan Beevi

Address : W/o Noorul Ameen

No-5/732
Keela Cheety Street
Adiyakkamangalam
Tiruvarur
Pin-611101

Nature of Business : Buy Construction Materials,etc..

Cost of the Project : Rs.985300/-

Interest Rate : 11.10% for Term Loan

Projections prepared :
(on the basis of
assumptions given) by
 TOTAL PROJECT COST

Fixed Assets

Constrution Materials 985300

Total Cost 985300

Source of Finance

Term Loan 835000

Promoter Contribuion 150300

985300
Overheads

Particulars Year I Year II Year III Year IV Year V

Telephone Charges 140400 154440 169884 186872 205560
General expenses 46200 50820 55902 61492 67641
Repairs & Maintanence 639600 703560 773916 851308 936438
Travelling expenses 294000 323400 355740 391314 430445
Printing & Statioenery 104400 114840 126324 138956 152852
Miscellaneous Expenses 99600 109560 120516 132568 145824
Labour Charges 798000 877800 965580 1062138 1168352
Power & Fuel 363000 399300 439230 483153 531468

Total 2485200 2733720 3007092 3307801 3638581

Projected Profitability Statement
 Particulars Year I Year II Year III Year IV Year V
Revenue
Contract Receipts 3024000 3326400 3659040 4024944 4427438

3024000 3326400 3659040 4024944 4427438

Less: Expenses
Overheads 2485200 2733720 3007092 3307801 3638581
Interest on Term Loan 86090 70637 53379 34104 12578
Depreciation 98530 98530 98530 98530 98530
Total expenses 2669820 2902887 3159001 3440435 3749689

Profit before Tax 354180 423513 500039 584509 677749

Less: Income Tax
Profit after Tax 354180 423513 500039 584509 677749
Add:Depreciation 98530 98530 98530 98530 98530
Funds from Operations 452710 522043 598569 683039 776279
Add: Interest on Loan 86090 70637 53379 34104 12578
Funds available for
debt service 538800 592680 651948 717143 788857
Interest on Term Loan 86090 70637 53379 34104 12578
Term Loan Repayment 132274 147727 164985 184260 205754
Serviceable Debt 218364 218364 218364 218364 218332
DSCR Ratio 2.47 2.71 2.99 3.28 3.61

Overall DSCR 3.01

PROJECTED BALANCE SHEET
 I Year II Year III Year IV Year V Year
Sources of Funds

Capital 150300 150300 150300 150300 150300

Current a/c 39180 97693 172733 262241 374990
Secured Loan
Term Loan 702726 554999 390013 205753 0

Total 892206 802992 713046 618295 525290

Application of Funds

Fixed Assets
(Stated at cost less dep)
Construction materials ,etc. 886770 788240 689710 591180 492650
Current Assets
Bank & Cash Balance 5436 14752 23336 27115 32640

Total 892206 802992 713046 618295 525290

CASH FLOW STATEMENT

Particulars I Year II Year III Year IV Year V Year

Cash Opening Balance 5436 14752 23336 27115

ADD :Inflows
Term Loan 835000
Promoter contribution 150300
Contract Receipts 3024000 3326400 3659040 4024944 4427438

Total Cash Inflow 4009300 3331836 3673792 4048280 4454553

Less:Outflows
Indirect expenses 2485200 2733720 3007092 3307801 3638581
Constrution Materials 985300 - - - -
Interest on Term Loan 86090 70637 53379 34104 12578
Repayment of loan- TL 132274 147727 164985 184260 205754
Drawings 315000 365000 425000 495000 565000

Cash Closing Balance 5436 14752 23336 27115 32640

TermLoan 835000
Interest Rate 11.10%
 60
Repayment Schedule months
Interest Interest Principal
I Year 86090 132274
II Year 70637 147727
III Year 53379 164985
IV Year 34104 184260
V Year 12578 205754

Interest
Schedule

Loan EMI Principal Interest Total

Amount Interest
0 835000
1 835000 18197 10473 7724
2 824527 18197 10570 7627
3 813957 18197 10668 7529
4 803289 18197 10767 7430
5 792522 18197 10866 7331
6 781656 18197 10967 7230
7 770689 18197 11068 7129
8 759621 18197 11171 7026
9 748451 18197 11274 6923
10 737177 18197 11378 6819
11 725799 18197 11483 6714
12 714315 18197 11590 6607 86090
13 702726 18197 11697 6500
14 691029 18197 11805 6392
15 679224 18197 11914 6283
16 667310 18197 12024 6173
17 655285 18197 12136 6061
18 643150 18197 12248 5949
19 630902 18197 12361 5836
20 618541 18197 12475 5722
21 606065 18197 12591 5606
22 593474 18197 12707 5490
23 580767 18197 12825 5372
24 567942 18197 12944 5253 70637
25 554999 18197 13063 5134
26 541935 18197 13184 5013
27 528751 18197 13306 4891
28 515445 18197 13429 4768
29 502016 18197 13553 4644
30 488463 18197 13679 4518
31 474784 18197 13805 4392
32 460979 18197 13933 4264
33 447046 18197 14062 4135
34 432984 18197 14192 4005
35 418792 18197 14323 3874
36 404469 18197 14456 3741 53379
37 390013 18197 14589 3608
38 375424 18197 14724 3473
39 360700 18197 14861 3336
40 345839 18197 14998 3199
41 330841 18197 15137 3060
42 315704 18197 15277 2920
43 300428 18197 15418 2779
44 285010 18197 15561 2636
45 269449 18197 15705 2492
46 253744 18197 15850 2347
47 237894 18197 15996 2201
48 221898 18197 16144 2053 34104
49 205753 18197 16294 1903
50 189460 18197 16444 1753
51 173015 18197 16597 1600
52 156419 18197 16750 1447
53 139668 18197 16905 1292
54 122763 18197 17061 1136
55 105702 18197 17219 978
56 88483 18197 17379 818
57 71104 18197 17539 658
58 53565 18197 17702 495
59 35863 18197 17865 332
60 17998 18197 17999 166 12578
835000 256788 256788