Cash Management On Fullerton India Credit Company LTD

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Author Name msr projects

Title CASH MANAGEMENT
Paper/Submission ID 798415
Submission Date 2023-07-04 16:09:01
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Cash management
Department Of Business Management KCEA Page 1

Cash management
CHAPTER -1
INTRODUCTION

Cash management
INTRODUCTION :-
It's a method for keeping tabs on and amassing cash flows. This is beneficial for both consumers
and commercial enterprises. It's an important aspect of the company's cash flow management,
which is essential to its survival.
Everyone needs a steady stream of income, and this source of wealth is often accounted for in a
person's entire financial portfolio.
In India, both enterprises and people have plenty of access to various financial services. This
10
encompasses every kind of administration. Most people turn to banks for their financial needs,
18
since banks are the most common service providers and deal mostly with monetary claims.
There are a number of management options for both people and organisations to maximise their
profits on cash claims.
Urgency of the research: -
Every time, the management is responsible for addressing cash flow issues. It works hard to make
sure that companies' finances are managed so that cash on hand is kept to a minimum and surplus
funds are spent to increase production. The use of receipts and cash payments might facilitate this.
Instability, disorganisation, and estimating uncertainty may all be conquered with the help of this
vital component.
Scope of the study:-
Nizamabad-based business Fullerton India Credit Limited is the focus of a cash-flow analysis.
17 33
The purpose of the goals study is to ascertain the financial health of the business. Find out how
22
much money is coming in and going out. to have an understanding of the company's financial
standing.

Cash management
Research methodology:-
Both primary and secondary sources are utilised to compile this information.
Since the research has focused mostly on liquidity, cash flow, and financial performance, no
primary data is available.
Indirect evidence -
• Websites
• Scholars
• Books
Methodological Instruments: Cash Flow Statements, Balance Sheets, and P&L Statements
Limitations of study:-
The research relied heavily on secondary sources of information.
37
Cash on hand was considered, taking into account data from the previous five years.
Over the last five years, we have analysed the company's liquidity and financial performance.

Cash management
CHAPTER -2
LITERATURE REVIEW

Cash management
LITERATURE REVIEW :-
1. First, in 2016, SOMNATH DAS conducted research in Mumbai titled "ANALYSIS OF CASH
MANAGEMENT - A STUDY ON CONSUMER DURABLE SECTOR." Companies like
Hawkins, Havells, Khaitan, Voltes, and Siemeni had their creditworthiness highlighted in the
report. Its other goal is to plan for effective cash management so that the organisation may grow
with little disruption to its productivity. According to the data shown above, the Khaitan firm has
the finest cash management of any of the selected businesses. Its credit score is also rather good.
2. DL PANDEY's 2019 research aims to find out the effects of cash flow management on the
profitability of a small manufacturing firm in KRITIPURA. The focus of this research is on
developing a correlational research strategy. The researcher collected samples for use in
26
formulating the data plan. The main focus was on the correlation between cash flow management
and financial success. In light of the realisation that a business needs more money to function,
adjustments were made to increase cash flow and minimise cash outflow. The Miller-Orr cash
management model, the Nepal Baumol theory, and the operational cycle theory were all analysed
and ranked. They used an ANOVA to check their results as well. They reasoned that a major
factor in financial success is sound cash management.
3. ARUN KUMAR (3) attended the Tamilnadu Newspaper LMT in 2017 to study financial
10
management. Its major purpose is to calculate the company's cash on hand so that financial risk
may be assessed in connection to the firm's profitability. This study of the two variables takes the
4
form of a number of different types of analysis, such as a ratio analysis, trend analysis, cash flow
statement analysis, and working capital analysis. The company's activities are rather low-key,
and there is less monetary risk.
4. MM HAAVIG (2019) has finished her studies in Minnesota on CASH MANAGEMENT

STRATEGIES TO ENSURE THE LONG-TERM SUCCESS OF LOCAL BARS AND
GRILLS. The major objective is to analyse the development of cash management practises in
small businesses. How small businesses survived the recession and the subsequent five years.
Cash management and other aspects of working capital administration are also covered. The
essay argues that small company owners might benefit from a more prominent position in the
corporate sector.
5. Research by N. WADESANGO, released in 2019, examined the effect of cash flow

management on the profitability and longevity of small and medium-sized businesses in Africa.
Starting and expanding small and medium-sized enterprises is a primary objective. It evaluates
the connection between cash flow and other variables using chi-square test

Cash management
6. impacts the capacity of small enterprises to turn a profit and stay in business. Methods used by
Chi's company, include reports, findings, discussions, cash management strategies, formula
28
record keeping, and cash budgeting. The findings of this research provide recommendations for
enhancing the management of debtor and inventory cash flows. SME (small and medium-sized
enterprise) owners would have a better chance of successful cash flow management as a result.
Seven. The leadership of money management plans along internal control was really the topic
sure d e. Gamsakhurdia's (2016) survey ongc charles. Uncovering this same corporate's revenue
7
or money transfer exercises seems to be the investigate's big goal. A main objective of the all
wealth advisors inside a organization seems to be to exemplify complete understanding after all
management systems by financial plan but instead funds scientific models. Of about successfully
control about there funds, so it sets the goals again for management of both the corporation. Such
as order to reinforce that whole corporation's revenue, reduced the latter's loans, or produce a
money, it really is essential to integrate a good financial management procedures or budgeting
brands.
8. In victor review chapter out kanpur, y e. Dilipkumar hansraj (2022) centered over "survey
through cash flow management procedures throughout corporate debt industry as both particular
reference of about document as well as countryside economy." having a clue its cashflow
diagnosis yeah unique selected essay enterprises but rather contrasting its cash flow ratios are
indeed the main goals. One such data was collected and via planning to visit so many sites on the
web, annual accounts, or journal articles as well as secondary sources. This then diagnosis
related like with the net profit, another univariate, but rather net working capital. One such
contributed with in decision and it effective money transfer does seem to be essential for one
variety of article corporates, and that certain industries' working capital reassigning were also
powerful.
9. In character this year analyze, d e. Onah explored its "effects like cash flow forward economic
results anyway micro business throughout zambia. Assessment of both the outcomes sure cash
flow to either big company incentive to invest but instead earnings is indeed the central goal.
Secondary information were being used to collect the said information. Scientific again for
primary research did occur with in arusha area, but rather secondary information that include
govt survey results, library, but also journal articles. Immersion circulator has been one of the
methods appointed. Conventional regression, connection, but also correlation coefficient. This
means that its corporation's financial achievement has been unchanged through it money transfer
Cash management
but also that negotiating power is indeed a significant sign.
10. K. Madhulatha (2020) analyzed "cash flow forward shroff tokens residential limited"
throughout metpally. Knowledge its solvency position what kind because how the shalimar firm
controls it's own monies seems to be the huge goal. Sites on the web, this same organization's
cash flow, as well as its figures have been utilized because secondary sources of data in all these.
The company data from the previous 2014–2018 decades recognition had been employed inside
the financial ratio but also statement of cash flows, which also are statistical techniques. The data
that has been started gathering did lead here to inference that cashflow scenario is powerful, and
also the business seemed to be instructed to keep the present tier sure cashflow.
10the cash handling there as hdfc through nizamabad must have been thoroughly checked
through.r n.ashish (2021). Uncovering a firm's expected bring it back and or the credit risks
seems to be the big goal. That those were started gathering even before secondary research, also
including sites on the internet as well as journals. Its statistical techniques involve anticipated
restore of such client base, earnings per share, early access, but instead apex predator, and even a
contain references research project of something like the net banking even before the year ing
2018 - 2019. In any case, it really was ascertained that now the bank's exploration must've been
hopeful, that it had been preserving greater cash reserves, and said it had some one greater ability
ing tackle risk by having of about increase.
11. Along 2018 - 19, s t. Anupama done scientific ongc armoor on the a analyze to either money
transfer through shalimar company truck financial limited partnership. Study time a kind
organization's funds insight but also emission but also deciding the cash scenario are also the
main goals. For the this research project, descriptive statistics were being used. The data would
be gone through the texts, sites on the web, but instead institutional accounting records. That
whole tactics employed, like statement of cash flow even before (2012-2016), come to the fact
that now the organization's liquidity has been higher than even in that whole timescale, and so it
is both managing to keep of one strong balance among both flow of cash.
12a. Mungel (2015) investigated "this same impact yeah money transfer through profit growth
but rather conservation yeah retail organization along tongaat, there as kwazulu-natal." checking
out whether retail department industry such as password would be financially sustainable is
indeed the research project's primary goal. That whole devices which are appointed have been

Cash management
visualizations, sampling methods, net income, cash flows, gradual vicious circle income, or
finances continues to flow. Because of this some kind organization's capacity to administer funds
quickly and successfully has been pivotal but instead profit margin.
13the successfulness after all cash handling laws and practices sometimes when govt agencies
out perak, singapore, was just the matter after all data analysis through it internal audit.
rosli through 2019 ”. The first objective would be to accurately assess the outcomes anyway
verde cash handling along governmental agencies but also the profit transport, physical cash
handling, or process improvement of both the public bodies such as pekan. One such research
project's primary research check, and included 472 respondents, resulted 160 reactions, as well as
ninety one.2% anyway one another suggested that now the espeks have been used in verde
money transfer. Its durability consequences, regression analysis, but rather similar resources are
really the methods in use. That whole performance anyway grass payment processing production
is nice with in govt agencies through perak, this became conclude.
14in 2017 period, tion. Muhammed research study to either "money control techniques along micro
- enterprises companies throughout asean." the main main objective should be to ascertain how and
why the internal management does seem to be required to work for payment processing and also
whether or there isn't is just a income lack and perhaps other finance worries. This would be a
important data category operation and it measurements well how organizations handle his\her profit
through collecting information through the demographics. Analysis data and also the full scope of
30
money management methods were also taken into account even though equipment. The above
review focused there at slim & mses industries in malaysia, information collected on is how apiece
type of company differentiated and by the others, and arrived at the conclusion for which only three
provinces such as asia seemed to have adequate internal
for these SMBs, there are safeguards in place. They did, however, anticipate that all Malaysian
36
SMEs will improve their internal controls over time.
15. M. In 2019, ETON conducted a study titled "Cash Management & Financial Performance of
4
Business in Northern Uganda." Assessing the financial health of a business is the key objective.
This provides further data. Cash Management, historical data, and financial results are among the
tools used with regression coefficients. This suggests a correlation between cash management
and weekly financial results for businesses. How it manages and maintains its finances from

Cash management
Monday to Sunday. This data reveals that cash management is not a major contributor to
companies' bottom lines in the Lira area.

Cash management
CHAPTER -III
INDUSTRY PROFILE AND COMPANY PROFILE

Cash management
Meaning:-
Of all that whole institutes offer banking and finance, it and financial system would be the most
34
vital. It is just a company offering many different services that contribute versus profit but also
agreements as both income and so its closest approximation. Such an appears to have taken this
same payment but also funds received every day and even before interest charged of between
mortgages through equities.
Many major banks brands somewhere around mutual fund schemes but instead credit and also
amenities by investment managerial.
Types of banks.
banks could be regarded both as infomercial and otherwise metropolitan.
commercial banking institutions: all such lenders mainly encompass private enterprise, money
financial institutions.
5
All public sector banks are considered central banks.

Cash management
Commercial banks:-
These commercial bank allow government deposit accounts but also offer a wide variety like lines
of credit toward the government, business, as well as economy. All such major banks formulating
different because after moderate residential area universities versus massive foreign banking
institutions. Nevertheless, this same advancement within us lending thru large banks must've been
restrained starting as in modern period. The above one another commercial bank start organizing
this very same chunk yeah german banks inside a way that would be concurrent, and that these
banking services were indeed disperse across several zones.
Central banking institutions:-
The citizenship government's bankrolls are really the attention on a specific of dialogue. It does
both—they focus on providing customers credit points but rather gather payments. A banking
system also would source the cash but were in start charging like supervising that whole share
price yeah currencies or financial firms.
How seem to be banking institutions governed ?
The humans financial institutions seem to be inspected 2008 recession. All such depositors were
being considered as each other banking institutions since, counting on his\her organisation, they
may be controlled at both regional and federal tiers.
State department of monetary universities had already duty well over financial system. Basically
saying, it's really the role of all these financial institutions to control problems such as how much
value can really be modified so by surveying lenders.
Cash management
The headquarters of both the gamepad of both the monetary manages large banks. This same
lender's matter, liquidity, but instead capital layers have been constrained by all of this.
How can i do know as to if iam extra income was indeed alive inside the financial institution ?
Federal savings insurance corporation (fdic) would be an self reliant company created by congress
ing keep the steadiness or optimism from the us monetary sector. All such safeguard a payment or
check this same treasury just that customer protection but instead security.
Difference between commercial banks and Central banks.

Cash management
Company profile:-
Fullerton India credit company limited-

This organization seems to be a tier yeah fulton funding ownership privately owned. That is an
india limited that gives ou pas financial services. India was indeed residence to a primary location.
This then outlines budget issues for both remote but rather lease market place. The above businesses
offer sealed but also non - secured loan solution provider is via bank branch but rather channels.
In july, one such organization must've been premised. Makes it increasingly mitsubishi gas financial
company (smfg) has been the greatest economic community in the region, with either a 400-year
background along fukuoka. This then covers a diverse range of economic offerings, incl subletting
just that banks and companies and also client lending but instead surveillance. There's several 2.3
billion dollars consumer purchase but instead 878 branch offices of the this industry in india. A 4 -
4 gov't seems to have a platform but rather does own the all these incentive to invest. Along third
quarter, the above biz initiated that whole grihashakti, often known as fulton asia dewan housing
finance plc, of one mortgage market corporate.
Urban financing:-
through a bank branch, all these does provide borrowings out multiple urban centers, whether
protected as well as non secure. the answer seems to be "cute lenders," including borrowings as a 2,
for people, regarding small biz, as well as for sealed reasons, also including personal loan group in
particular stock prices but rather lines of credit managed to secure but by estate yeah particular of it
clientele.
rural sources of finance:-
more than ranging from 150 but instead 58000 agricultural punjabi communities were being did
find. the said offers lenders both for subjective the a means of living thus the buying sure farm
Cash management
animals commodities, so on.
digital business:-
in 2019 –, well that just began operations online enterprise ( sme. all these needs to focus very much
on tech, incl native apps, tablet devices, but also online websites, and also partner as both financial
companies or digital payment as a expressive perks.
vision:-
• To offer this same group, clients, interested parties, or staff financial sector so here fulfill
guidelines and then are groundbreaking.
• Mission:-
• Fullerton seems to be in start charging of both the financial sector, that gives that whole study
result showed but also feasible share price just that attempting to balance benefits and drawbacks.
• The businesses offer the shoppers a situations as well as the goods.
• In all of one‘s job, fort lauderdale seeks to promote innovation
.
Values:-
Branches:-
 Nizamabad
 Hyderabad
 Ramagundam
 Hanamkonda
 Karimnagar
Cash management
 Secunderabad
 Khammam
Awards or achievements
2016- it really is enumerated along tidy sum kerala 500
2017- it's indeed consistently rated seventh along fantasy organizations to comply such as,
carried through points of time liftoff.
2019- it's really videoed along book like record keeping.
2020- iso 27001
2022- respectful workplace certified
.

Cash management
CHAPTER -IV
THEORETICAL FRAMEWORK

Cash management
Cash Administration:
According to Collins and Jarvis (2000), cash management was originally known as liquidity
management. Many companies place insufficient emphasis on cash management. The financial
27
assets of the bond are the consequence of expenditures from cash management accounts. It was
recently revealed that they found that small businesses don't worry as much about money
management. For example, this may be invested as opposed to being tied down (Denver, 2005). An
effective and efficient liquidity management system is critical to a company's long-term viability,
13
particularly a smaller company's (Sardis et al, 2007). This is especially important for smaller
companies, since they may go for a long period without turning a profit and so be unable to pay
their obligations. A common definition of liquidity is the ratio of an asset's inflows to its outflows in
terms of cash or other liquid securities.
20
Today, money is one of the most important resources for every business. While businesses may
continue to function without enough capital, they should always aim to keep their liquidity in the
29
positive. You may apply your skills in trade wherever you find currency.
CASH'S MEANING:
Money is the only form of payment that can be easily and quickly converted by a company. In
addition to ledgers, it contains currency, coins, and checks necessary for running the company.
Money may be changed into other currencies and utilised in a number of different ways, such as
making purchases or writing cheques.
Managing your money well is crucial.
It might have a devastating effect on the company's image and ultimately lead to its demise.
Therefore, the most important responsibility of business managers is the control of cash flow. It is
management's responsibility to guarantee that there is sufficient cash on hand to meet all immediate
commitments without having to resort to illegal means. The collection of receivables is vital to the
success of any organisation. When debt becomes troublesome, cash flow might be transformed.
Being prudent and preparing for eventualities like bad debts and economic slump is also essential to
successful financial management.
MONEY and CASH FLOWS
A stock, property, sales record, or corporate record is not included in the preparation of cash. The
accumulation of wealth is not essential to economic growth.

Cash management
Revenue Growth
An increase in income is indicative of a good financial situation when it occurs with an increase in
both cash inflows and cash outflows.
38
Earnings Drop
5
When there are more cash expenditures than cash receipts, the income of the company is considered
to be lower. When a corporation is in this kind of predicament, it also impacts sales. Moreover,
earnings will be negative, earnings per share will fall, and the stock price of the company will fall.
Reasons for Managing Money
In the realm of financial management, four distinct motivations may be distinguished.
• Method of exchange.
• Method based on precautions.
• Method of speculation
First, the business exchange

The practise of extracting funds from a company to ensure continuous business. Dividends, taxes,
and employee salaries are all essential sources of capital for a corporation. This exemplifies how the
company satisfies the rules and fulfils its duties in light of the relevant business circumstances.
Transaction costs must be covered, and that's where this cash comes in.
Procedure for foresight
13
Keeping some cash on hand as a safety net in case of need is wise. This helps to serve as a buffer in
the event that the firm has an unexpected and large cash outflow or inflow.
• Exaggerating the price of raw materials for effect.
Strikes and floods are two of the most significant disadvantages.
Customer satisfaction is paramount.

Cash management
Third, the speculative method

To take advantage of the opportunities that are usually the impetus for taking action, money is held
16
in speculative processes. This demonstrates the company's flexibility in dealing with events that are
out of the ordinary for its line of work.
CASH MANAGEMENT CYCLE
The above diagram indicates that how payment processing could perhaps circulation from the all
the source materials , and now with the aid of money just the selling can be accomplished .

Cash management
Objective of money management

There were being a little like the essential cash handling have been of two reciprocally imperfect or
coincide business
• payment timetable,what and intent of money can indeed be controlled complete fulfills it and
repayment options about an business
• minimising its cash position which would be budget allocated and or the aim of both the company
• to determine that whole principle of money fluid velocity approach
Determining funds use factors
Depending on it bandwidth, travel time, dearth after all rote, as well as degree of security, relatively
brief budgetary must need can just be envisioned. Brief prices were also related costs the said
actually happen because of such a lack of money.
The cost like trying to set up one attempting to run financial plan and price operations seems to be
in administering. Those that seem to have been compensated in such a variety of techniques,
including through memory, remuneration, surveillance managing, etc.
Forecasting but rather budgeting
The most trying to challenge method of controlling the one industry's earnings but also pay stubs
will be through money going to spend.
A finances new budget defines the common income and expenses for any period of time for the a
biz. Finances needs to estimate can indeed be crafted and either use significant and long rather than
limited time images.

Cash management
Conjecture sure brief term
These seem to be somewhat straightforward of about do, as well as a little essential items for
reinforcing summary net income encompass: having to manage one organization; acknowledging its
fundamentals yeah cash management; but rather going to fund financing for such a thin strip
anyway duration.
Expecting long term capital
• to better know it and organization's future capital-related must need, all those are exempted. All
such don't provide because satisfactory relatively brief sources of finance.
• the above demonstrate this same organization's estimated retained earnings funding commitments.
6
Something that ends up in equity plans that have been primarily focused upon that investments
required to support a construction or are fortunate individuals complete organization.
• these really are shored up as a caused by construction, but instead protracted funds also can be
suggested as a assets prediction sooner or later..
What is still a cash flow?
A statement of cash flows is really a class of fund declaration that offers knowledge on everything
net income positive businesses make even before maintain a level or outside incentive to invest
publications. These seem to make up roughly every one of income expenditures just that investment
vehicles or economic development during the required period of time.
Classification after all exercise
There were indeed a little of that like the differing types yeah exert have been offered beneath,
• operating
• investing
financing

Cash management
Operating activities
The company's primary activity in the accounting cycle is included in these responsibilities. A
specific formula may be used to determine the operational activities.
A cash flow operation is the sum of net sales, any noncash items, and any changes to working
capital.
Financial transactions
The financial status of the internal sector is determined by this. The amount and size of a capital
loan are influenced by these actions.
Proceeding with Financing
It's a combination of short-term actions and long-term assets. Bond sales, debenture offerings, loan
repayments, and bank credit repayments all fall under the category of capital-raising operations.
Values Revealed by a Cash Flow Statement
Non-evaluable sources of revenue and expenses are disclosed, and the company's financial position
is discussed.

Cash management
• The company's profits and position will be utilised to ascertain the error in the financial statement.
The health and profitability of a business may be evaluated with the use of cash flow ratios and
analysis. It's a boon to the growth of capital, too.
Challenges with Cash Flow Forecasting
• Because all of its income is service-based, the company has no way to track its cash inflows.
Because of their unique properties, cash flows are not included in income statements but may be
utilised to determine a company's financial position via cash flow statements.

Cash management
CHAPTER -V
DATA ANALYSIS

Cash management
8
5.1 PROFIT AND LOSS ACCOUNT OF FULLERTON CREDIT
COMPANY LTD. FROM 2016-2017
Interpretation:
• As measured by net profit before taxes, the firm's liquidity situation has worsened from
$4,251,414 in 2016 to $3,1903 in 2017.

Cash management
Interpretation:-
• The net profit before tax value (20) suggests that the company's liquidity has increased from
$3,193 in 2017 to $5,5285 now.

Cash management


Cash management
Interpretation:-
6 23
As a result of the increase in the company's net profit before taxes from $5,223,24 in 2018 to
$11,972,9 in 2019, the company's financial situation has improved.

Cash management
2

Cash management
Interpretation:-
• The company's liquidity has decreased from 119729 (2019) to 114645 (2023)
according to its net profit before taxes.

Cash management


Cash management

Cash management
Interpretation:-
will put it another way, we expect the firm's liquidity will rise from $1.1 million in
2020 to $1.6 million in 2021 thanks to its growth in pre-tax earnings.

Cash management
5.6 CASH FLOW STATEMENTS FOR THE YEAR ENDED 31 MAR 2016-
2017

Cash management
Interpretation:-
24
• The business did not maintain an acceptable level of cash reserves in 2016 and 2017, as shown by
a decline in net cash from operating operations from $ 19875 to $44742.
2
The above cash flow statement for the business demonstrates that it had a healthy supply of cash in
both 2016 and 2017, with net cash from investment operations rising from $54,678 to $902,032.
14
• The company's ebo cash flow statements (2017) show a decrease in net cash from financing
operations from $25,7704 (2016) to $13,3316 (2017).
32 2
Therefore, the company did not have enough cash on hand during those years.

Cash management
2018
Increase/decrease in the other current assets 5840 3300 2540

Cash management

Cash management
Interpretation:-
21
• Net cash from operational activities climbed from $44,742 in 2017 to $49,918, according to the
company's cash flow statistics, showing that the business had plenty of cash on hand during those
years.
• The firm was able to have sufficient cash reserves because, as shown in the cash flow statement
31
above, net cash from investment activities increased from $90,032 in 2017 to $148,855 in 2018.
14
According to the ebo cash flow statements, the company's net cash from financing operations
increased from $13,315 in 2017 to $35,898 in 2018.
As a result, the company is able to maintain safe amounts of capital throughout these periods.

Cash management
3
2019

Cash management

Cash management
Interpretation:-
11
From the aforementioned cash flow data, we can conclude that the company's net
cash from operating activities rose from $48.99 million in 2018 to $57.24 million in
2019. This ensures that the company has enough cash on hand during these periods.
As can be seen in the above cash flow statement, the company's net cash from
investing operations has decreased from $148,855 in 2018 to $113,387 in 2019,
indicating that it has not kept adequate cash on hand during these years. However, the
15
net cash from financing activities has increased from $35,589,8 in 2018 to $68,805,5
in 2019, as can be seen in the company's ebo cash flow statements.
• As a result, throughout such times, the company never ran out of money.

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3
2020

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Interpretation:-
25
• The aforementioned cash flow figures show a decline in net cash from operational activities from
$57,249 in 2019 to $29,851 in 2020. This has resulted in the company's cash reserves becoming
inadequate throughout the years.
15
• According to the cash flow statement above, the company's net cash from investment activities
19
decreased from $11,1387 in 2018 to $17,8358 in 2020. Therefore, the company has not
maintained enough financial reserves throughout the years.
3
• Ebo cash flow statements for 2020 show a decrease in net cash from financing operations, from
$6,885,051 in 2019 to $4,261,010 in 2020. The company was unable to have enough financial
reserves throughout this time period.
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2021

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Repayment of borrowings from bank 1006564 898743

Payment of ancillary borrowing cost 1248 5849
Principal and Intrest payment of lease liability 5227 5509
Net cash generator financing activities 446498 526209
9
Net increase decrease in cash and cash 1642 39500
Equivalent
Interpretation:-
Net cash provided by operating activities for the firm increased from $29,851 in 2020 to $49,851 in
2021, as seen in the cash flow figures above. Therefore, the company was able to have sufficient
financial reserves during those years.
15
According to the cash flow statement shown above, the company's net cash from investment
activities decreased from $17,8358 in 2019 to $4,97,551 in 2020.
19
Therefore, the company has not maintained enough financial reserves throughout the years.
9
• Ebo cash flow statements show a drop from 526209 (2020) to 446498 (2021) in the net cash flow
from financing operations.
The company was unable to have enough financial reserves throughout this time period.

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12
5.11 BALANCE SHEET FOR THE YEAR ENDED 31 MAR 2016-2017
Interpretation :-
The 2016 bank and cash balance was 82287 dollars, while the 2017 bank and cash
balance was 55931 dollars, as shown on the balance sheet.The fact that the company's
cash and bank balance have decreased from 2016 to 2017 is indicative of the firm's
stable financial performance.
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Interpretation:-
• In 2017, the firm had a cash and bank balance of 56931, and in 2018, it was 73748, as shown on
the balance sheets.
Financial strength has been maintained, the interpretation suggests, by a growth in the company's
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bank and cash balance from 2017 to 2018.
cial success.

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1

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Interpretation:-
• In 2018, the firm had a cash and bank balance of $58878, and in 2019, it was $56671, as shown on
the balance sheet.
The decline in the company's cash and bank balance from the previous year to the current one is
indicative of consistent financial strength.

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5.14 BALANCE SHEET FOR THE YEAR ENDED 31 MAR 20

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Interpretation:-
The balance sheet shows that the firm has $56671 in cash and short-term investments in 2019, and
$230348 in the following year.
The fact that the firm's cash and bank balances have grown from 2019 to 2020 is indicative of its
continued financial success.

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5.15 BALANCE SHEET FOR THE YEAR ENDED 3

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Interpretation:-
The financial statement shows that the business had cash and bank accounts totaling $99263 in
2020 and $230348 in 2021.
The fact that the firm's cash and bank balance climbed from 2020 to 2021 is evidence of its
sustained profitable operations.

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CHAPTER -VI
FINDING, SUGGESTIONS AND CONCLUSION
6.1 FINDINGS:
Liquidity position:-
The company's net profit dropped from 2016 (42514) to 2017 (31903).
The company's net profit increased from $3193 in 2017 to $55285 in 2018.
• The company's net profit increased in 2019 (119729) compared to 2018 (55285).
The company's net profit decreased from 2019 (119729) to 2020 (114645).
• The firm's net profit increased from 2020 (114645) to 2021 (161387).
Cash levels:-

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FINANCIAL PERFORMANCE:-

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6.2 SUGGESTIONS:-
• The firm's financial performance in 2019 (688805) is good when compared to the previous four
35
years; however, the firm still has room for improvement in this area going forward.
• The firm's liquidity situation in 2021 (161387) is better than it was in the previous four years;
therefore, maintaining this liquidity position will be necessary for the firm to continue making good
earnings.If we look at the company's cash flow over the last five years, we see that 2021 (230448)
has healthy cash flow when compared to the prior four years. This trend must be maintained going
forward.

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6.3 CONCLUSION:-
The study analyses the cash management practises of Fullerton India Credit Limited Company
and looks into the company's liquidity, financial performance, and cash balances. Everything you
need to know about the Fullerton company is in this report.
The investigation showed that the company's financial performance might be improved despite
its dominant position in its home market and large cash reserves. In addition, it controls how
much money enters and leaves the company.

Cash Management On Fullerton India Credit Company LTD

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4 Student Report Submitted to Bangalore University by - 'JITHIN Student Paper

5 Thesis Submitted to Shodhganga, shodhganga.inflibnet.ac.in Publication

6 www.sec.gov Internet Data

9 Thesis Submitted to Shodhganga Repository Publication

10 m.rbi.org.in Internet Data

11 adoc.pub Internet Data

13 www.researchgate.net Internet Data

14 finance.yahoo.com Internet Data

17 Thesis submitted to shodhganga - shodhganga.inflibnet.ac.in Publication

18 mdpi.com Internet Data

20 Intelligent control station for improved quality management in flat st by Publication

21 Submitted to Visvesvaraya Technological University, Belagavi Student Paper

22 austlii.edu.au Internet Data

24 Submitted to Visvesvaraya Technological University, Belagavi Student Paper

25 Submitted to Visvesvaraya Technological University, Belagavi Student Paper

27 Critical and Subcritical Mass Calculations of Curium-243 to -247 Based Publication

28 mdpi.com Internet Data

29 www.mckinsey.com Internet Data

30 Assessment of machine learning approaches for predicting the Publication

31 docplayer.net Internet Data

32 docplayer.net Internet Data

34 ECONOMIC BURDEN OF VENTILATOR-ASSOCIATED Publication

35 Institute of Electrical and Electronics Engineers Article Publication

37 Student Thesis Published in HAL Archives Publication

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Urgency of the research: -

Scope of the study:-

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4. MM HAAVIG (2019) has finished her studies in Minnesota on CASH MANAGEMENT

5. Research by N. WADESANGO, released in 2019, examined the effect of cash flow

Department Of Business Management KCEA Page 6

Department Of Business Management KCEA Page 8

Department Of Business Management KCEA Page 9

Department Of Business Management KCEA Page 10

Department Of Business Management KCEA Page 11

Department Of Business Management KCEA Page 12

Difference between commercial banks and Central banks.

Department Of Business Management KCEA Page 14

Fullerton India credit company limited-

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First, the business exchange

Strikes and floods are two of the most significant disadvantages.

Customer satisfaction is paramount.

Department Of Business Management KCEA Page 20

Third, the speculative method

CASH MANAGEMENT CYCLE

Department Of Business Management KCEA Page 21

Objective of money management

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