PROJECT REPORT OF

M/S RAJGHARANA
BILASPUR(C.G)

PROJECT BY
SHYAM SUNDAR PANJWANI

WORKING CAPITAL LOAN OF RS. 22.90 LAKH

FROM BANK OF BARODA,BILASPUR(C.G)
 PROJECT REPORT SUMMARY

1 NAME OF THE UNIT M/S RAJGHARANA

2 LOCATION BILASPUR(C.G)

3 PROPRIETOR SHRI SHYAM SUNDAR PANJWANI

4 PRODUCT NAME TRADING

5 REQUIRED FINANCE WORKING CAPITAL LOAN RS.22.90 LAKH

6 BANKERS NAME BANK OF BARODA

 ANNEXURE-I

ASSESSMENT OF WORKING CAPITAL REQUIREMENTS

M/S RAJGHARANA, SHRI RAM MARKET CLOTH,AGRASEN CHOWK,BILASPUR(C.G)
Form I

Particulars of the existing / proposed limits from the banking system

( Limits from all from and Financial Institution as on date of application )
(Rs in Lacs)
Name of Bank/ Nature of Existing Extent to which Limits Balance O/S Limits now
S.N. Financial Institution Facility Limits were Utilised during the As on 31.03.2023 Requested
Last 12 months

MAX MIN
1 2 3 4 5 6 7 8
A
1 Working Capital Limit
FROM BANK OF
BARODA,BILASPUR CC Hypo 22.90 17.68 22.90

TOTAL 22.90 17.68 22.90

Name of Bank Sanction Outstanding as Overdues if Any Remarks

S.No Financial Institution Limit 31.03.2024

B Term Loan DPGS 0.00

Total 0.00
 ANNEXURE -'1'
Form for Manufactures and traders/Merchant exporters and QIS System
Assessment for Working Capital Requirements (Rs in Lacs)
M/S KISAN SEWA KENDRA.TAKHATPUR,BILASPUR,C.G
Actual Actual Estimated Projected Projected
PARTICULARS
2021-22 2022-23 2023-24 2024-25 2025-26

Gross sales
1. Gross sales
(I) Domestic Sales 95.86 79.46 99.33 119.19 143.03
(ii) Export Sales
(iii)Reparing Charges 0.00 0.00 0.00 0.00 0.00
Total- 95.86 79.46 99.33 119.19 143.03

2. Less: Excise duty & Sale Tax 0.00 0.00 0.00 0.00 0.00

3. Net sales (1-2) 95.86 79.46 99.33 119.19 143.03

4 %age rise (+) or fall in net sales as N.A. -17.11 25.00 20.00 20.00
Compared to previous year

4a. Other Income 0.00 0.04 0.05 0.06 0.07

5. Cost of sales
(I) Raw material (including stores and other
item used in the process of manufacture

(a)Imported
(b) Indigenoeus 87.17 80.89 88.98 105.89 126.00
(II) Other Spares 0.00 0.00 0.00 0.00 0.00
(a)Imported
(b) Indigenoeus

(III) Power & Fuel 0.00 0.00 0.00 0.00 0.00

(IV) Direct labour( Factory wages & salaries) 0.00 0.00 0.00 0.00 0.00
(V) Other Manufacturing exp. 0.00 0.00 0.00 0.00 0.00
VI) Depreciation 0.25 0.22 0.20 0.18 0.16
(VII) Sub Total (I to VI) 87.42 81.11 89.18 106.07 126.16
VIII) Add: Opening stocks in process 0.00 0.00 0.00 0.00 0.00
Sub Total 87.42 81.11 89.18 106.07 126.16
 (Rs.in Lacs)
Actual Actual Estimated Projected Projected
PARTICULARS
2021-22 2022-23 2023-24 2024-25 2025-26
(IX)Deduct : Closing stock in Process 0.00 0.00 0.00 0.00 0.00
(X) Cost of Production 87.42 81.11 89.18 106.07 126.16
(XI) Add: Opening stock of finished goods 51.54 55.85 70.68 77.75 85.52
Sub Total 138.96 136.96 159.86 183.81 211.69
(XII) Deduct closing stock of finished goods 55.85 70.68 77.75 85.52 94.08
(XIII) Sub Total ( Total cost of sales) 83.11 66.28 82.11 98.29 117.61

6. Selling, General & Administrative exp. 5.80 5.82 6.92 8.42 9.62

7. Sub Total (5+6) 88.91 72.10 89.03 106.71 127.23

8. Operating profit before interest (3 +4a-7) 6.95 7.40 10.34 12.54 15.87

9. Interest 0.84 1.08 2.75 2.75 2.75

10. Operating profit after interest (8-9) 6.11 6.32 7.59 9.79 13.12

11. (I) Add other non operating income

(a) 0.00 0.00 0.00 0.00 0.00
(b) 0.00 0.00 0.00 0.00 0.00
Sub total (Income) 0.00 0.00 0.00 0.00 0.00
(II) Deduct non operating expensess
(a) Interest to Partners 0.00 0.00 0.00 0.00 0.00
(b) Remuneration to Partners 0.00 0.00 0.00 0.00 0.00
Sub Total(exp.) 0.00 0.00 0.00 0.00 0.00
(III) Net of other non - operating income/ exp.
Net of 11(I) & 11(II) 0.00 0.00 0.00 0.00 0.00
12. Profit before tax/loss 10+11(III) 6.11 6.32 7.59 9.79 13.12
13. Provision for taxes 0.00 0.00 0.00 0.00 0.00

14. Net profit & Loss 6.11 6.32 7.59 9.79 13.12

15 . (a) Equity dividend paid

(b) Prior Period (Income Tax & Other) 0.00 0.00 0.00 0.00 0.00

16 Retained Profit (14-15) 6.11 6.32 7.59 9.79 13.12

17. Retained Profit/ Net Profit(%age) 100.00 100.00 100.00 100.00 100.00
 FORM III
Analysis of Balance Sheet
(Rs.in Lacs)
Actual Actual Estimated Projected Projected
PARTICULARS
2021-22 2022-23 2023-24 2024-25 2025-26

Current Liabilites
1. Short term borrowings from banks( including
bills purchased, discounted & excess
borrowing placed on repayment basis

(I) From applicant bank 9.94 17.68 22.90 22.90 22.90

(2) From other banks 0.00 0.00 0.00 0.00 0.00
(3)Of which BP & BD 0.00 0.00 0.00 0.00 0.00

Sub Total(A) 9.94 17.68 22.90 22.90 22.90

2. Short term borrowing from other 0.00 0.00 0.00 0.00 0.00

3. Sundry Creditors( trade) 54.12 54.29 60.00 65.00 70.00

4.Advance payment from customers/deposits

from dealers 0.00 0.00 0.00 0.00 0.00

5. Provision for taxation 0.00 0.00 0.00 0.00 0.00

6. Dividend Payable 0.00 0.00 0.00 0.00 0.00

7. Other statutory Liabilities

(Due within one year) 0.00 0.00 0.00 0.00 0.00
8. Deposits/Installment of term loan /DPGs/
debentures.etc.(Due within one year) 0.00 0.00 0.00 0.00 0.00

9. Other current liabilities & provision 0.00 0.00 0.00 0.00 0.00
(Due within one year specify major items)

Sub Total( B) 54.12 54.29 60.00 65.00 70.00

10.Total Current Liabilities( Total of 1 to 9 ) 64.06 71.97 82.90 87.90 92.90

 (Rs.in Lacs)
Actual Actual Estimated Projected Projected
PARTICULARS
2021-22 2022-23 2023-24 2024-25 2025-26
TERM LIABILITIES
11. Debenture (not maturing within one year) 0.00 0.00 0.00 0.00 0.00

12. Preference Shares(redeemable after

one year) 0.00 0.00 0.00 0.00 0.00
13. Term Loan (excluding installment payable 3.43 1.14 0.50 0.00 0.00
with one year)

14. Deferred Payment Credits

(excluding installment due within one year) 0.00 0.00 0.00 0.00 0.00

15. Term Deposits( repayable after one year) 0.00 0.00 0.00 0.00 0.00

16. Other Term Liabilities(unsecured Loan) 20.36 28.23 28.23 28.23 28.23

17. Total Term Liabilities( Total of 11 to 16) 23.79 29.37 28.73 28.23 28.23

18. Total Outside Liabilities (10+17) 87.85 101.34 111.63 116.13 121.13

NET WORTH

19. Ordinary Share Capital 14.53 18.19 20.78 23.57 27.69

20. General reserve 0.00 0.00 0.00 0.00 0.00

21. Revaluation Reserve 0.00 0.00 0.00 0.00 0.00

22. Other Reserve(excluding provision) 0.00 0.00 0.00 0.00 0.00

23. Surplus (+) or deficit (-) in P & L Account 0.00 0.00 0.00 0.00 0.00

24. Net Worth 14.53 18.19 20.78 23.57 27.69

25. Total Liabilities(18+24) 102.38 119.53 132.41 139.70 148.82

 (Rs.in Lacs)
Actual Actual Estimated Projected Projected
PARTICULARS
2021-22 2022-23 2023-24 2024-25 2025-26
CURRENT ASSETS
26. Cash and Bank Balance 26.82 9.35 14.19 11.83 7.59

27. Investment ( other long - term investment) 0.00 0.00 0.00 0.00 0.00

(I) Government & Other Trustee securities 0.00 0.00 0.00 0.00 0.00

(II) Fixed deposits with banks 0.00 0.00 0.00 0.00 0.00

28. I)Receivable other than differed & exports 0.00 19.82 20.00 25.00 30.00
(Including bills purchases discounted by banks)

(II) Export receivable (including bills purchased 0.00 0.00 0.00 0.00 0.00
Discounted by banks

29. Installment of differed received 0.00 0.00 0.00 0.00 0.00

( Due within one year)

30.INVENTORY
(I) Raw material (include store & other items
used in the process of manufacture)
(a) Imported
(b) Indigenous 55.85 70.68 77.75 85.52 94.08

(ii) Stock in Process 0.00 0.00 0.00 0.00 0.00

(iii) Finished Goods 0.00 0.00 0.00 0.00 0.00
(iv) Other consumables spares
(a) Imported
(b) Indegenous 0.00 0.00 0.00 0.00 0.00
31. Advance to suppliers of raw materials &
stores/ spares 0.00 0.00 0.00 0.00 0.00

32. Advance Payment of Taxes 0.00 0.00 0.00 0.00 0.00

33.Other current assets (specify major items) 17.93 18.27 19.26 16.32 16.28

34. Total current assets ( Total of 26 to 33) 100.60 118.12 131.20 138.67 147.95
 (Rs.in Lacs)
Actual Actual Estimated Projected Projected
PARTICULARS
2021-22 2022-23 2023-24 2024-25 2025-26
FIXED ASSETS
35.Gross Block (land & building machinery, 2.33 2.33 2.33 2.33 2.33
work in progress
36. Depreciation to date 0.25 0.47 0.67 0.85 1.01
37. Net Block (35-36) 2.08 1.86 1.66 1.48 1.32

OTHER NON - CURRENT ASSETS

38. Investment/ book debts/ advances/
deposits which are not current assets
(I)(a)Investment in subsidiary companies/
affiliates
(b) Others (Security & Other deposits) 0.00 0.00 0.00 0.00 0.00
(ii) Advances to suppliers of capital goods
& Contractors
(iii) Deferred receivables(maturity exceeding
one year)
(iv) Other
39. Non Consumables stores & spares
40. Other Non-current Assets including dues
from directors
41. Total Other Non-current Assets
(Total of 38 to 40) 0.00 0.00 0.00 0.00 0.00

42. Intangible assets(patents, goodwill, 0.00 0.00 0.00 0.00 0.00

Preliminary exp,bad/doubtful debts not
provided for etc.
43. Total Assets(Total of 34,37,41) 102.68 119.98 132.86 140.15 149.27

44. Tangible net worth (24-42) 14.53 18.19 20.78 23.57 27.69

45. Net Working Capital{(17+24)-37+41+42} 36.54 46.15 48.30 50.77 55.05

to tally with 34-10

46. Current Ratio (items 34/10) 1.57 1.64 1.58 1.58 1.59

47. Total outside Liabilities/ Tangible Worth 6.05 5.57 5.37 4.93 4.37
(18/44)
 (Rs.in Lacs)
Actual Actual Estimated Projected Projected
PARTICULARS
2021-22 2022-23 2023-24 2024-25 2025-26

ADDITIONAL INFORMATION

(A) Arrears of depreciation NIL NIL NIL NIL NIL

(B) Contingent Liabilities NIL NIL NIL NIL NIL

(I) Arrears of cumulative dividends NIL NIL NIL NIL NIL

(II) Gratuity liability not provided fro NIL NIL NIL NIL NIL

(III)Disputed excies/customs/tax liabilities NIL NIL NIL NIL NIL

(IV) Other liabilities not provide for NIL NIL NIL NIL NIL
 FORM IV
Comparative Statement of Current Assets and Current Liabilities

(Rs in Lacs)
Actual Actual Estimated Projected Projected
PARTICULARS
2021-22 2022-23 2023-24 2024-25 2025-26
CURRENTS ASSETS
1.Raw materials (including store & other
Item used in the process of manufacture)
(a) Imported: 0.00 0.00 0.00 0.00 0.00
Month consumption:
(b) Indigenous: 55.85 70.68 77.75 85.52 94.08
Month Consumption 7.69 10.49 10.49 9.69 8.96
2. Other Consumable spares, excluding those
included in 1 above
(a) Imported: 0.00 0.00 0.00 0.00 0.00
Months Consumption
(b) Indigenous 0.00 0.00 0.00 0.00 0.00
Month Consumption 0.00 0.00 0.00 0.00 0.00
3. Stock in progress:
Months cost of sales:
4. Finished goods 0.00 0.00 0.00 0.00 0.00
Month cost of sales 0.00 0.00 0.00 0.00 0.00
5. Receivable other than export & deferred 0.00 19.82 20.00 25.00 30.00
Receivable (including bills purchases discounted
by bankers)
(Month Sales) 0.00 2.99 2.42 2.52 2.52
6. Export receivables(including bills purchased
& discounted) 0.00 0.00 0.00 0.00 0.00
7. Advances to suppliers of raw materials &
stores /Spares, consumables 0.00 0.00 0.00 0.00 0.00
8. Other current assets including cash & bank
balances & deferred receivable due within one 44.75 27.62 33.45 28.15 23.87
year(specify major items)
9. Total current Assets (To agree with item 100.60 118.12 131.20 138.67 147.95
34 in Form -III
 FORM IV
Comparative Statement of Current Assets and Current Liabilities

(Rs in Lacs)
Actual Actual Estimated Projected Projected
PARTICULARS
2021-22 2022-23 2023-24 2024-25 2025-26

B. CURRENT LIABILITIES (OTHER THAN

BANK BORROWING FOR WORKING
CAPITAL)

10. Creditors for purchase of raw Material, 54.12 54.29 60.00 65.00 70.00
store & consumables spares
Month purchases

11. Advances from customers 0.00 0.00 0.00 0.00 0.00

12. Statutory liabilities 0.00 0.00 0.00 0.00 0.00

13. Other current liabilities (specify major item)

Short-Term borrowings, unsecured loans, 0.00 0.00 0.00 0.00 0.00
dividend payable, installment of TL, DPG,
public deposits debenture etc.

14. Total (To Agree with Sub-Total B of Form III) 54.12 54.29 60.00 65.00 70.00
 FORM V
Computation Maximum Permissible Bank Finance for Working Capital

Actual Actual Estimated Projected Projected

PARTICULARS
2021-22 2022-23 2023-24 2024-25 2025-26

1.Total Current Assets

(34 in Form III) 100.60 118.12 131.20 138.67 147.95

2. Total Current Liabilities(Other than Bank

Borrowings)(14 of From IV) 54.12 54.29 60.00 65.00 70.00

3. Working Capital Gap(I-2) 46.48 63.83 71.20 73.67 77.95

4. Minimum stipulated net working capital 25.15 29.53 32.80 34.67 36.99
I.e.25% of WCG or Total current assets as the
case may be depending upon the method of
lending being applied.
(export receivables to be excluded under
both method)

5. Actual/ Projected net working capital 36.54 46.15 48.30 50.77 55.05
( 45 in FORM III)

6. Item 3 Minus item 4 21.33 34.30 38.40 39.00 40.96

7. Item 3 Minus 5. 9.94 17.68 22.90 22.90 22.90

8 Maximum permissible bank finance 9.94 17.68 22.90 22.90 22.90

(Item 6 or 7 whichever is lower)

9. Excess borrowing representing

Shortfall in NWC (4-5) NIL NIL NIL NIL NIL
 FORM VI
FUND FLOW STATEMENT

(Rs in Lacs)
Actual Actual Estimated Projected Projected
PARTICULARS
2021-22 2022-23 2023-24 2024-25 2025-26
1. SOURCES
(a) Net Profit (after tax) 6.11 6.32 7.59 9.79 13.12
(b) Depreciation 0.25 0.22 0.20 0.18 0.16
(c) Increase in capital 8.42 -2.66 -5.00 -7.00 -9.00
(d) Increase in term Liabilities 23.79 5.58 -0.64 -0.50 0.00
(Including public deposits)
(e) Decreased in
(I) Fixed Assets
(II) Other Non_ Current Asset
(f) Other

(g) TOTAL 38.57 9.46 2.15 2.47 4.28

2. USED
(A) Net Loss
(B) Decrease in term liabilities
(including public deposit)
(C) Increase in:
(I) Fixed Assets 2.33 0.00 0.00 0.00 0.00
(ii) Other Non- Current Assets 0.00 0.00 0.00 0.00 0.00
(iii) Dividend Payment
(e) Other 0.00 0.00 0.00 0.00 0.00

(f) TOTAL 2.33 0.00 0.00 0.00 0.00

3. Long Term Surplus(+) Deficit (1-2) 36.24 9.46 2.15 2.47 4.28

4. Increase /Decrease in current assets 100.60 17.52 13.08 7.47 9.27

(As per details given below)

5. Increase/ Decrease in current 54.42 0.32 5.71 5.00 5.00

Liabilities other than bank borrowing
 (Rs in Lacs)
Actual Actual Estimated Projected Projected
PARTICULARS
2021-22 2022-23 2023-24 2024-25 2025-26
6.Increase decrease in working capital gap 46.18 17.20 7.37 2.47 4.27

7. Net Surplus (+) deficit (-) -9.94 -7.74 -5.21 -0.01 0.00
(Difference of 3 & 6)

8. Increase / decrease in bank borrowing 9.94 7.74 5.22 0.00 0.00

9. Increase /decrease in Net Sales 95.86 -16.40 19.87 19.87 23.84

* Break up of (4)

(I) Increase /decrease in Raw materials 0.00 0.00 0.00 0.00 0.00
(II)increase /decrease in Stock in Process
(II)increase /decrease in Finised Goods 55.85 14.83 7.07 7.77 8.55
(IV) increase /decrease in Receivable
a)Domestic 0.00 19.82 0.18 5.00 5.00
b) Export

(V) Increase / Decrease in stores & Spares 0.00 0.00 0.00 0.00

(VI) increase /decrease in Other Current Assets 0.00 0.00 0.00 0.00

Note :- Increase /Decrease under item 4 to 8, as also break -up( 4) Should be Indicated by (+) (-)
 RATIO ANALYSIS
(Rs in Lacs)
Actual Actual Estimated Projected Projected
PARTICULARS
2021-22 2022-23 2023-24 2024-25 2025-26
Net Sales 95.86 79.46 99.33 119.19 143.03
Profit Before Tax 6.11 6.32 7.59 9.79 13.12
Profit Before Tax/ Net Sales % 6.37 7.95 7.65 8.21 9.17
Profit after tax 6.11 6.32 7.59 9.79 13.12
Profit after tax / Net Sales % 6.37 7.95 7.65 8.21 9.17
Capital 14.53 18.19 20.78 23.57 27.69
Unsecured Loan 20.36 28.23 28.23 28.23 28.23
TNW 14.53 18.19 20.78 23.57 27.69
TOL 87.85 101.34 111.63 116.13 121.13
TOL / TNW 6.05 5.57 5.37 4.93 4.37
Current Ratio 1.57 1.64 1.58 1.58 1.59
Total Tangible Assets 102.68 119.98 132.86 140.15 149.27
NET Sales / TTA 0.93 0.66 0.75 0.85 0.96
Operation Cost / Net Sales % 0.93 0.91 0.90 0.90 0.89
PBT/TCA 0.06 0.05 0.06 0.07 0.09
BB/TCA% 0.10 0.15 0.17 0.17 0.15
PBT/TTA % 0.06 0.05 0.06 0.07 0.09
ROCE % 0.42 0.35 0.37 0.42 0.47
(Inventory + Receivalbes)/ Net Sales *300 58.26 113.89 98.41 92.73 86.75
PBDIT 23.79 29.37 28.73 28.23 28.23
Interest 0.84 1.08 2.75 2.75 2.75
PBDIT/Interest 0.00 0.00 10.45 10.27 10.27
Inventory 55.85 70.68 77.75 85.52 94.08
Inventory/Net Sales 0.58 0.89 0.78 0.72 0.66
Receivables 0.00 19.82 20.00 25.00 30.00
Receivables/ Gross Sales 0.00 0.25 0.20 0.21 0.21
NWC 36.54 46.15 48.30 50.77 55.05
TCA 100.60 118.12 131.20 138.67 147.95
NWC/TCA 0.36 0.39 0.37 0.37 0.37
 PROJECTED PROFITABILITY STATEMENT OF
M/S RAJGHARANA, SHRI RAM MARKET CLOTH,AGRASEN CHOWK,BILASPUR(C.G)
(Rs in Lacs)
PARTICULARS Actual Actual Estimated Projected Projected
2021-22 2022-23 2023-24 2024-25 2025-26
Sales 95.86 79.46 99.33 119.19 143.03
Other Income 0.00 0.04 0.05 0.06 0.07
95.86 79.50 99.37 119.25 143.10

Purchases 87.17 80.89 88.98 105.89 126.00

Depreciaiton
Other Direct exp. 0.25
0.00 0.22
0.00 0.20
0.00 0.18
0.00 0.16
0.00
Add: Opening Stock 51.54 55.85 70.68 77.75 85.52
Less: Closing Stock 55.85 70.68 77.75 85.52 94.08
Selling & Administrative Exp. 5.80 5.82 6.92 8.42 9.62

Operating Profit before Interest 6.95 7.40 10.34 12.54 15.87

Interest to Bank 0.84 1.08 2.75 2.75 2.75

Book Profit 6.11 6.32 7.59 9.79 13.12

Profit Percentage 6.37 7.95 7.64 8.21 9.17
 PROJECTED BALANCE SHEET OF
M/S RAJGHARANA, SHRI RAM MARKET CLOTH,AGRASEN CHOWK,BILASPUR(C.G)
(Rs in Lacs)
PARTICULARS Actual Actual Estimated Projected Projected
2021-22 2022-23 2023-24 2024-25 2025-26

Capital A/c 14.53 18.19 20.78 23.57 27.69

Secured Loan
C.C. Limit from Bank 9.94 17.68 22.90 22.90 22.90
Secured loan 3.43 1.14 0.50 0.00 0.00
Unsecured Loan 20.36 28.23 28.23 28.23 28.23

Current Liabilities
Sundry Creditors 54.12 54.29 60.00 65.00 70.00
Provisions 0.30 0.45 0.45 0.45 0.45

TOTAL 102.68 119.98 132.86 140.15 149.27

Fixed Assets 2.08 1.86 1.66 1.48 1.32

Security & Other Deposit 0.00 0.00 0.00 0.00 0.00

Current Assets
Inventories 55.85 70.68 77.75 85.52 94.08
Debtors 0.00 19.82 20.00 25.00 30.00
Loan & Advances 17.93 18.27 19.26 16.32 16.28
Investment 0.00 0.00 0.00 0.00 0.00
Cash & Bank Balances 26.82 9.35 14.19 11.83 7.59
TOTAL 102.68 119.98 132.86 140.15 149.27
 PROJECTED CAPITAL A/C OF
M/S RAJGHARANA, SHRI RAM MARKET CLOTH,AGRASEN CHOWK,BILASPUR(C.G)
(Rs in Lacs)
PARTICULARS Actual Actual Estimated Projected Projected
2021-22 2022-23 2023-24 2024-25 2025-26

Opening Capital 16.14 14.53 18.19 20.78 23.57

Additions 0.00 0.00 0.00 0.00 0.00

Profit share 6.11 6.32 7.59 9.79 13.12

Withdrawal & Taxes 7.72 2.66 5.00 7.00 9.00

Closing Capital 14.53 18.19 20.78 23.57 27.69

 CALCULATION OF MAXIMUM PERMISSIBLE BANK FINANCE FOR
FOR WORKING CAPITAL REQUIREMENT
M/S RAJGHARANA, SHRI RAM MARKET CLOTH,AGRASEN CHOWK,BILASPUR(C.G)
(Rs. In Lacs)
PARTICULARS Actual Actual Estimated Projected Projected
2021-22 2022-23 2023-24 2024-25 2025-26

1. Current Assets 100.60 118.12 131.20 138.67 147.95

2. Current Liabilities 54.42 54.74 60.45 65.45 70.45

(Excluding Bank C.C.Limit)

3. Working Capital Gap 46.18 63.38 70.75 73.22 77.50

4. 25% Margine of Current Assets 25.15 29.53 32.80 34.67 36.99

5. Projected Net W.C.G. 36.24 45.70 47.85 50.32 54.60

6. 3-4 21.03 33.85 37.95 38.55 40.51

7. 3-5 9.94 17.68 22.90 22.90 22.90

8. 6 or 7 Whichever is Lower 9.94 17.68 22.90 22.90 22.90

9. Excess Borrowing NIL NIL NIL NIL NIL