Bank Credit Proposal Review

Bank of Baroda Bank Name Here
Proposal for Credit Facilities

( Review cum fresh proposal )
B ankRuna.com
Proposal Submitted to: AGM , Bhubaneswar Reference Number :
(Main) Date : 3/2/2010
Borrower's Name : Exim Logistics (P) Ltd Branch : Bhubaneswar ( Main )
Address ( Regd ): 7 / B , Kalpana Area , BJB Region : Orissa
Nagar , Bhubaneswar- 751024
Office : 26 , Forest Park , 1st Floor,
Bhubaneswar
Address ( College ) : At/Po - Muktapur , Dt- Khurda Zone : Bihar , Orissa
Orissa
PAN: Credit Authorisation : N/A
Prior Approval No
Group Affiliation: No Group Affiliation Reporting -- No
(state whether MRTP / other Group ) Located in Backward area -- No
Manufacturing : No
Date of incorporation : 28/5/2007 Large & Medium
SSI
Registered as : Trust Trust Trading : Educational Institute
Public / Private / Joint Sector : Private Selective Credit Control No
(Education Sector) Export - Oriented No
Import Substitution No
Dealing with our Bank Since - Nov , 2008 Is it a sick unit - No
(having Current A/C & FDR) If so , under nursing Programme N/A
Borrower's Business: Engineering College Credit Guarantee Cover : No
ECGC cover : N/A
Whether products are under price control ? No Yield on the Account : Nil
Period - From 01/04/2008
To -31/03/2009
Page : 2
Borrower's Name Exim Logistics (P) Ltd
Name of the Individual /Propietor / Partner / Director / Trustee
1) Pragjnyajeet Mohanty
2) Samita Mohanty
3) Dr Pramod Kumar Mohanty
4)
5)
6)
Guarantor's Name Net Worth (Rs in Lac)
1) Pragjnyajeet Mohanty 81.3
2) Samita Mohanty 33.7
3) Dr Pramod Kumar Mohanty 61.2
4)
5)
6)
Name of the Chief Executive / Financial Controller
Pragjnyajeet Mohanty
Net worth of the Trust as at 31/03/12 (Rs in Lac)
Paid up capital 18.00
Reserve 40.36
Accumulated profit 28.51
or Loss
Net Worth 86.87
Intangible Assets 0.07
Tangible Net worth 86.8
Name of Auditors : Santosh K Agrawalla & Associates , 361/2323, Jayadev Vihar,
Bhubaneswar - 13
Business experience of Promoters / Management
Pragjnyajeet Mohanty , the main promoter is an Engineering Graduate in Electronics &
Communication Engineering with MBA Degree from XIMB , Bhubaneswar . He had more
than 7 years' experience in IT Training , managing teams in project execution in various
corporates in India and abroad and also had a brief stint in consulting . He has the drive
and expertise to manage execution of college project within strict time schedule . He is
assisted by a core team to manage the Institute . His father Dr Pramod Kr Mohanty
who is an Ex Army Doctor looks after the HR management which is a very key job in
Educational Institutes.
PAN DOB
Page : 3
Borrower's Name : Exim Logistics (P) Ltd
Production Capacity : ( Licenced / installed / actual / projected )
2008-09 2009-10 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16
Licenced 240 564 954 1410 1608 1740 1806 1806
Intake 240 564 954 1410 1608 1740 1806 1806
Actual 215 359
Projected 641 989 1147 1457 1634 1741
Raw Materials ( Availability ) For the Colleges , the chief input are the students . Over the
years , Bhubaneswar has emerged as the core destination of aspiring students not only from
Orissa but entire Eastern sector .Still there is a wide gap between demand & supply for technical
education as per AICTE study for which the apex body continues to grant fresh permission
for opening new institutes.Though there was a temporary set back in current year admissions due
to global recession & adverse media publicity, things have improved & next year admissions are
expected to be normal.
Power ( Availability )
The college has arranged its own powerline and set up captive transformer for uninterrupted power
supply to the campus .
Marketing set up
The college has set up its own marketing network of agents especially for Jharkhand , Chattisgarh
Bihar from which the student flow is significant . This apart , there will be print advertisements,
banners , hoardings etc at vantage points .
Market
IT is the largest service sector and in spite of global slow down , the demand shall continue to remain
good as more and more areas of business continue to embrace it for efficiency and cost reduction &
sheer convenience of operation . Demand for Indian IT professionals shall remain good because of
their relative efficiency , good English speaking ability and low pricing . After a temporary slackening
of demand, corporates have resumed recruitment.
Major Suppliers of Students
All states of Eastern Region
Customers
Mostly Engineering students are absorbed in IT / Software companies . In spite of slowdown , there
is still sizable gap between demand and supply of technical manpower . Hence employment
potential is still encouraging for Tech. students though the average entry level pay package may
register a marginal drop .
Overdues in TL / DPG installments / Interest -- Nil
Page 4
Banking arrangement : Sole
(Sole/ Multiple / Consortium )
Lead Bank : Bank of Baroda
Our share in percentage : 100%
Date of Last Review / Sanction : N/A
Sanction Authority : AGM, Orissa
Due Date for Review: 17/03/2010
Reason for delay in review : N/A
Quarterly Operating statements regularly received : N/A
Document in order : Yes
Terms , conditions of Sanction complied with : Yes
Deposit Relationship : Rs 30 lakh pledged to Bank

Ancilliary Business :
There is scope of providing Study loan , personal loan for purchase of
laptops , housing loan to teaching faculty. Scope of opening SB, FD
& Demat Accounts . N/A
Whether Refinance is obtained on eligible Term Loans
If not , reasons there on N/A
Page : 5
Facilities proposed for Sanction / Review (Rs in Lac)
( Classify under 4 broad categories viz Term Finance-Funded / Nonfunded ,working capital-
Funded / Contigent )
Nature of Facility ExistingLt PropoLt Difference InterestRt Security Details
1 ) Term Loan - I 132.8 132.8 Nil 12.00%
2 ) Term Loan - II 410 410 Nil 12.00%
Margin - 30%
3) Term Loan - III Nil 200 200 12.00%
Margin- 25%
4) Demand Loan 7.2 7.2 Nil 12.00%
(Total exposure on takeover & fresh loan will be Rs 750 Lakh.)
All the loans shall have the following Primary Securiries .
1. Equitable mortgage of land 10 acres and constructions thereof located at Muktapur , Khurda
with approximate market value Rs 50 lakh of land & Rs 800 lakh of Building thereof .
2. Hypothecation of Furniture & Fixture , lab equipments , computers , books etc acquired or
to be acquired by the college / Trust .
3. Personal Guarantee by 3 trusteesPragyanjeet Mohanty , Samita Mohanty & Dr Pramod
Kumar Mohanty with combined net worth of Rs 176.2 lakh as on 31 /01 / 2010 .
All the loans shall have the following Collateral Securiries :--
Existing
1. Equitable mortgage of residual land of 18 acres located at Muktapur , Khurda adjacent to
College land and having approximate market value of Rs lakh in name of Trust. .
2.Equitable mortgage of flat at Sree Guru Apartment , VIP Road , Puri , area 1100 sqft in
the name of Samita Mohanty & Pragyanjeet Mohanty, trustees and valued at
Rs 25 lakh market value.
3. Equitable mortgage of 1 acre land at Mouza - Bhatkuri standing in the name of
Pragyanjeet Mohanty , Trustee & approxi. Valued at Rs 45 Lakh .
4. Pledge of FDR for face value Rs 30 lakh & accrued value Rs 30.60 Lakh.
Proposed
Equitable mortgage of residual land of 12 acres located at Muktapur, Khurda adjacent to
College land and having approximate market value of Rs 60 lakh in name of Trust.
Aggregate market value of collaterals as on date will be approxi. Rs 190 lakh.
Concessions allowed if any N/A
Page : 6
Confirmation of Action
Not Applicable
Page : 7
Borrower's Name - Exim Logistics (P) Ltd
Financial Position: (Rs in Lac)
31/03/10 31/03/11 31/03/12 31/03/13 31/03/14
Current Assets 180.79 321.44 330.7 755.15 863.25
CurrentLiabilities 202.2 301.75 265.65 558 566
Contribution to WC -21.41 19.69 65.05 197.15 297.25
Net Fixed Assets 0.00 0.00 0.00 0.00 0.00
Term Liabilities( other than funds 27.17 76.49 56.42 39 32
borrowed from Gr Co , Directors
Contribution to Fixed Capital -27.17 -76.49 -56.42 -39.00 -32.00
Funds invested in Business -48.58 -56.80 8.63 158.15 265.25
FundsInvested outside Business 57.93 115.41 59.2 48 106
FundsBorrowed frm GrCo,Dirtors 0 0 0 0 0
Intangible Assets 0.07 0 0 0 0
Tangible Net Worth 9.28 58.61 67.83 206.15 371.25
NetSales(ExcOthInc) 669.34 1180.29 1323.01 2600 4400
Cost of Sales 529.39 1048.82 1233.30 2400.63 4014.00
Gross Profit 139.95 131.47 89.71 199.37 386.00
Net Profit (PBT) 47.48 50.37 59.48 102.37 263.00
Provision for Develop 0 0 0 0 0
Rebate/Invest.Reserv
Depreciation for theYr 9.26 28.19 20.25 54.63 65.00
Cash Profit 56.74 78.56 79.73 157.00 328.00
DividendPayable,paid 0.00 0.00 0.00 12.00 24.00
Provision for Tax 18.97 16.9 18.99 30.71 78.9
Funds in Business 37.77 61.66 60.74 114.29 225.10
Page : 7a
Financial Position: (Rs in Lac)
31/03/13 31/03/14 31/03/15 31/03/16
Current Assets 0 0 0 0
CurrentLiabilities 0 0 0 0
Contribution to WC 0.00 0.00 0.00 0.00
Net Fixed Assets -183.13 -183.13 -183.13 -183.13
Term Liabilities( other than funds 0 255 110 70
borrowed from Gr Co , Directors
Contribution to Fixed Capital -183.13 -438.13 -293.13 -253.13
Funds invested in Business -183.13 -438.13 -293.13 -253.13
FundsInvested outside Business 0 0 0 0
FundsBorrowed frm GrCo,Dirtors 0 70 40 20
Intangible Assets 0 0 0 0
Tangible Net Worth -183.13 -508.13 -333.13 -273.13
NetSales(ExcOthInc) 0 0 0 0
Cost of Sales 4014.00 0.00 0.00 0.00
Gross Profit -4014.00 0.00 0.00 0.00
Net Profit (PBT) 0.00 0.00 0.00 0.00
Provision for Develop 0 0 0 0
Rebate/Invest.Reserv
Depreciation for theYr 65.00 0.00 0.00 0.00
Cash Profit 65.00 0.00 0.00 0.00
DividendPayable,paid 0 0 0 0
Provision for Tax 0 0 0 0
Funds in Business 65.00 0.00 0.00 0.00
Page : 8
31/03/10 31/03/11 31/03/12 31/03/13 31/03/14
Ratio Analysis :
Current Ratio 0.89 1.07 1.24 1.35 1.53
Debt / Equity Ratio 2.64 3.17 1.85 2.32 1.43
(TOL/TNW)
GrProfit/ NetSales 20.91 11.14 6.78 7.67 8.77
NetPr/ TNW % 32.77 28.09 23.30 27.83 44.09
Inventory/NetSales 1.94 1.10 0.00 0.00 0.00
(days)
Receivables/GrSales 25.71 67.74 40.59 94.06 55.58
(days)
SC/purchase 25.71 67.74 40.59 94.06 55.58
(days)
DSCR 6.85 22.19 19.98 14.27 29.82
Age of Receivables 47.14 219.05 147.11 670 670
(more than 6 months)
Age of Receivables
(less than 6 months)
Total Receivables 47.14 219.05 147.11 670 670
Age of Inventory 3.55 3.55 0 0 0
Age of Inventory
Total Inventory 3.55 3.55 0 0 0
Average DSCR = 6.85 14.52 16.34 15.82 18.62
Comments on Performance / Financial Position of Company
Page : 8a
31/03/13 31/03/14 31/03/15 31/03/16
Ratio Analysis :
Current Ratio #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Debt / Equity Ratio 0.00 0.90 0.41 0.25
(TOL/TNW)
GrProfit/ NetSales #DIV/0! #DIV/0! #DIV/0! #DIV/0!
NetPr/ TNW % 0.00 0.00 0.00 0.00
Inventory/NetSales #DIV/0! #DIV/0! #DIV/0! #DIV/0!
(days)
Receivables/GrSales #DIV/0! #DIV/0! #DIV/0! #DIV/0!
(days)
SC/purchase #DIV/0! #DIV/0! #DIV/0! #DIV/0!
(days)
DSCR #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Age of Receivables 0 0 0 0
Age of Receivables
Total Receivables 0 0 0 0
Age of Inventory 0 0 0 0
Age of Inventory
Total Inventory 0 0 0 0
Average DSCR = #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Comments on Performance / Financial Position of Company
Page : 9
Working Capital Assessment for the Year - N / A
Based on Sales --
Method of Lending --
Working Capital Term Loan if any ---
Justification for Working Capital-
Deviation in Inventory/Receivable Norms
( With Reasons )
Amount authorised by RBI
Valid till
Last when limits reported to RBI --
Term Loan / DPG requirement with justification -
Contigent Limit requirement with justification - N / A
Page : 10
Borrower's Name :- Exim Logistics (P) Ltd
Conduct of Accounts -- Satisfactory
Proposals Recommended By -
Branch Manager - Asst.General Manager
Regional Manager
AGM / DGM of the Zone -
Functional Authority at CO -
Comments / Recommendation of Sponsoring Authority --
Decision / Comments of the Sanctioning Authority -
Page : 11
LIST OF ANNEXURES
Annexure Contents of the Annexures If Applicable & Enclosed
A Major Shareholders
B Name of consortium Banks with sharing %
C Facilities with Fis / Banks with Limits
D Detailed Terms , Conditions
E Operating Statements
F Analysis of Balance Sheet
G Cost of Project / Source of Finance
( For new projects / expansion )
H Fund Flow Statement
( For fresh T/L & DPG )
I Record of Business Turnover
J Working Capital Assessment N/A
K Group concerns & Banking Arrangement N/A
L Major Adverse Features by Auditors/inspec. N/A
& steps taken
M Meetings of Consortium Meeting N/A
N Appraisal Note for Sick Units N/A
Annexure - A ( List of Major Shareholders )
As on -- 31/03/12
Borrower ' s Name- Exim Logistics (P) Ltd
Face value of shares :Rs
Sl. No. Name of shareholder & Place of Stay No.of shares Paid up value % to total
held (Rs in Lac) Paid up value
1 0 0
2 0 0
3 0 0
4 0 0
5 0 0
6 0 0
7 0 0
8 0 0
9 0 0
10 0 0
Comments -
Annexure B ( Banking arrangement as a whole / Division wise ) Rs in Lakh
Borrower ' s Name :- Exim Logistics (P) Ltd
Name of Bank share % Term Loan Funded Term LoanNonFund WCFunded WCNon Fund
Existing Proposed existing proposed Existing Proposed Existing Proposed
Bank of Baroda 100% 550 750 nil nil nil nil nil nil
Annexure C ( Facilities with Fis / Other Banks - Existing Lt )
(Rs in Lac)
Borrower ' s Name: Exim Logistics (P) Ltd
Name of Bank / Financial Institu. Term Finance Working Capital
Funded NonFund Funded NonFund
Bank of Baroda 0 0 0
Bank of Baroda 0 0 0
Bank of Baroda
Total :
Comments on Utilisation / Security Offered / Overdues
Annexure D ( Terms & Conditions )
Borrower ' s Name - Exim Logistics (P) Ltd
Sl. No. Nature of Existing Proposed Terms & Conditions
Facility Limit Limit
1)
2)
3)
4)
Annexure E ( Operating Statement )
( As per P / L a/c for the year Ending ) (Rs in Lac)
31/03/10 31/03/11 31/03/12 31/03/13 31/03/14
Gross Sales 669.34 1180.29 1323.01 2600 4400
Less Excise Duty
Net Sales 669.34 1180.29 1323.01 2600 4400
Cost of Sale
RawMat incl stores 0 0 0 0 0
Indigenous
Imported
other spares-indigenous
other spares-imported
Power , Fuel
Direct Labour 34.91 43.06 62.94 126.00 194.00
Repair , Maintenance
Other Mfg Expenses 485.22 977.57 1146.56 2220.00 3755.00
Depreciation 9.26 28.19 20.25 54.63 65.00
Sub Total 529.39 1048.82 1229.75 2400.63 4014.00
(+)opingstockinproce
(-)clo.Stockinprocess
Cost of Production 529.39 1048.82 1229.75 2400.63 4014.00
(+)opstockFinishedGoods 3.55 3.55 3.55
(-)closing stock of finishedGoods 3.55 3.55
Sub Total 0 0 3.55 0 0
Total Cost of Sale 529.39 1048.82 1233.30 2400.63 4014.00
Gross Profit 139.95 131.47 89.71 199.37 386.00
Interest 1.05 7.51 15.91 45.00 60.00
Selling , Gen , Admin Expenses 92.17 75.38 45.19 54.00 65.00
Sub Total 93.22 82.89 61.10 99.00 125.00
Operating Profit 46.73 48.58 28.61 100.37 261.00
Add Other Income 0.75 1.79 30.87 2 2
minus Other Expenses
Sub Total 0.75 1.79 30.87 2 2
PBT 47.48 50.37 59.48 102.37 263.00
Prov. For Invest, Rebate etc
Prov. For Taxes 18.97 16.9 18.99 30.71 78.90
Profit After Tax ( PAT ) 28.51 33.47 40.49 71.66 184.10
Dividend paid/payable 12.00 24.00
Retained Profit 28.51 33.47 40.49 59.66 160.10
Interest on Term Loans:
Export Sale
Cr. Turnover in a/c
Remarks:
Annexure E ( Operating Statement )
31/03/13 31/03/14 31/03/15 31/03/16
Gross Sales
Less Excise Duty
Net Sales 0 0 0 0
Cost of Sale
RawMat incl stores 0 0 0 0
Indigenous
Imported
other spares-indigenous
other spares-imported
Power , Fuel
Direct Labour
Repair , Maintenance
Other Mfg Expenses
Depreciation
Sub Total 0.00 0.00 0.00 0.00
(+)opingstockinproce
(-)clo.Stockinprocess
Cost of Production 0.00 0.00 0.00 0.00
(+)opstockFinishedGoods
(-)closing stock of finishedGoods
Sub Total 0 0 0 0
Total Cost of Sale 0.00 0.00 0.00 0.00
Gross Profit 0.00 0.00 0.00 0.00
Interest
Selling , Gen , Admin Expenses
Sub Total 0.00 0.00 0.00 0.00
Operating Profit 0.00 0.00 0.00 0.00
Add Other Income
minus Other Expenses
Sub Total 0 0 0 0
PBT 0.00 0.00 0.00 0.00
Prov. For Imnvest, Rebate etc
Prov. For Taxes
Profit After Tax ( PAT ) 0.00 0.00 0.00 0.00
Dividend paid/payable
Retained Profit 0.00 0.00 0.00 0
Interest on Term Loans:
Export Sale
Cr. Turnover in a/c
Remarks:
Annexure F ( Analysis of Balance Sheet ) (Rs in Lac)
Borrower's Name -- Exim Logistics (P) Ltd
31/03/10 31/03/11 31/03/12 31/03/13 31/03/14
Short Term Borrowing
From Banks(ours) 400 400
(others) 0 50.91 140.9 0 0
Sub - Total 0 50.91 140.9 400 400
Short Term Borrowing( others ) 0 0 0 0 0
Deposits(Maturing in 1 year ) 0 0 0 0 0
Sundry Creditors 71.36 171.3 52.99 62 63
Unsecured Loans 0 0 0 0 0
Adv.frm Customers / dealers 0 0 0 0 0
Int/oth.Charges accrubutnotdue 0 0 0 0 0
Provision for Taxation 44.84 18.27 17.03 25 30
Dividend Payable 0 0 0 0 0
OthStatutoryLiadue in 1 yr 0 0 0 0 0
InstalmentTL / DPG duein1yr 8.28 3.54 3.99 11 11
Other Current Liabilities 77.72 57.73 50.74 60 62
Sub - Total 202.2 250.84 124.75 158 166
Total Current Liabilities 202.2 301.75 265.65 558 566
Annexure F ( Analysis of Balance Sheet ) (Rs in Lac)
31/03/13 31/03/14 31/03/15 31/03/16
From Banks(ours)
(others)
Sub - Total 0 0 0 0
Short Term Borrowing( others )
Deposits(Maturing in 1 year )
Sundry Creditors
Unsecured Loans
Adv.frm Customers / dealers
Int/oth.Charges accrubutnotdue
Provision for Taxation
Dividend Payable
OthStatutoryLiadue in 1 yr
InstalmentTL / DPG duein1yr 0 0
Other Current Liabilities
Sub - Total 0 0 0 0
Total Current Liabilities 0 0 0 0
Annexure F contd( Analysis of Balance Sheet ) Rs in Lakh
Borrower ' s Name -- Exim Logistics (P) Ltd
Term Liabilities 31/03/10 31/03/11 31/03/12 31/03/13 31/03/14
Debenture( not maturing in 1 yr ) 0 0 0 0 0
Redeemable Pref Shares 0 0 0 0 0
Term Loan ( maturing after 1 yr ) 24.16 31.64 54.21 33 22
Borrowing from GrCo / Directors
& Friends & Relatives
Deferred Payment Credits 0 0
Term Deposits matu. After 1 yr 0 0
Other Term Liabilities 3.01 44.85 2.21 6 10
Total Term Liabilities 27.17 76.49 56.42 39 32
Total Outside Liabilities 229.37 378.24 322.07 597 598
Net Worth
Ordinary Share Capital 18 18.00 50.00 55.00 55.00
Preferrence Share Capital 0 0.00 0 0 0
General Reserve 40.36 68.87 102.34 142.83 202.49
Investment Reserve 0 0.00 0 0 0
Revaluation reserve
Other ReserveExc. Prov. 0.2 -1.18 0.77
Share application money
Share premium account
Deferred tax liability account
Oth: Describe -19.8
Surplus/Deficit of P / L A/C 28.51 33.47 40.49 59.66 160.10
Net Worth 87.07 119.16 173.80 257.49 417.59
Total Liabilities 316.44 497.40 495.87 854.49 1015.59
Notes --
Term Liabilities 31/03/13 31/03/14 31/03/15 31/03/16
Debenture( not maturing in 1 yr ) 0 0 0
Redeemable Pref Shares 0 0 0 0
Term Loan ( maturing after 1 yr ) 235 90 50
Borrowing from GrCo / Directors 70 40 20
& Friends & Relatives
Deferred Payment Credits
Term Deposits matu. After 1 yr
Other Term Liabilities 20 20 20
Total Term Liabilities 0 325 150 90
Total Outside Liabilities 0 325 150 90
Net Worth
Ordinary Share Capital
Preferrence Share Capital 0 0 0 0
General Reserve 362.59 362.59 362.59 362.59
Investment Reserve 0 0 0 0
Revaluation reserve
Other ReserveExc. Prov.
Share application money
Share premium account
Deferred tax liability account
Oth: Describe
Surplus/Deficit of P / L A/C 0.00 0.00 0.00 0.00
Net Worth 362.59 362.59 362.59 362.59
Total Liabilities 362.59 687.59 512.59 452.59
Notes --
Annexure F contd( Analysis of Balance Sheet ) (Rs in Lac)
Current Assets 31/03/10 31/03/11 31/03/12 31/03/13 31/03/14
Cash & Bank Balance 52.85 70.61 123.47 5.15 69.25
Investment in Govt / Trust Secur 0 0
FD in Banks 10 44
Receivable oth.than deferred/exp 47.14 219.05 147.11 670 670
Export Receivables 0 0
Instalment of Deferred Receivab. 0 0
Inventory 3.55 3.55 0.00 0.00 0.00
Raw materials - indigenous 0 0
Raw materials -imported 0 0
Stock-in-Process 0 0
Finished Goods 3.55 3.55
Other Consumables 0
Advance to suppliers of Raw Mat
Advance Payment of Taxes 0 0 26.89 30 40
Other Current Assets 77.25 28.23 33.23 40 40
Total Current Assets 180.79 321.44 330.70 755.15 863.25
Notes -
Current Assets 31/03/13 31/03/14 31/03/15 31/03/16
Cash & Bank Balance
Investment in Govt / Trust Secur
FD in Banks
Receivable oth.than deferred/exp
Export Receivables
Instalment of Deferred Receivab.
Inventory 0 0 0 0
Raw materials - indigenous
Raw materials -imported
Stock-in-Process
Finished Goods
Other Consumables
Advance to suppliers of Raw Mat
Advance Payment of Taxes
Other Current Assets
Total Current Assets 0 0 0 0
Notes -
Fixed Assets 31/03/10 31/03/11 31/03/12 31/03/13 31/03/14
GrossBlock-land , Bldg , plant 99.11 106.61 169.47 169.47 229.47
machinery , F&F
Accum. Depreciation 21.46 46.06 63.50 118.13 183.13
Net Block 77.65 60.55 105.97 51.34 46.34
Other Non Current Assets
Invest. In subsidiary Cos 0 0 0 0 0
Invest. In Gr.company/affiliates
Invest. In Others 57.93 48.25 44.64 30 50
Adv. To Suppliers of Cap.Goods 0 2.14 11
Deferred Receivables 0
Others(security,TDS,duesinappeal) 0 12.82 9.75 15 40
NonConsumableStores,Spares 0
Oth.Assets incl.dues frm direct. 0 54.34 2.67 3 5
Totl Other NonCurrent Assets 57.93 115.41 59.2 48 106
Intangible Assets 0.07 0 0 0 0
Total Assets 316.44 497.40 495.87 854.49 1015.59
Depreciation-Adjust(+)/deduct(-) 3.59 2.81
Tangible Net Worth 87 119.16 173.80 257.49 417.59
Net Working Capital -21.41 19.69 65.05 197.15 297.25
Difference(asset-liability) 0.00 0.00 0.00 0.00 0.00
Notes :-
Fixed Assets 31/03/13 31/03/14 31/03/15 31/03/16
GrossBlock-land , Bldg , plant
machinery , F&F
Accum. Depreciation 183.13 183.13 183.13 183.13
Net Block -183.13 -183.13 -183.13 -183.13
Other Non Current Assets
Invest. In subsidiary Cos 0 0 0 0
Invest. In Gr.company/affiliates
Invest. In Others
Adv. To Suppliers of Cap.Goods
Deferred Receivables
Others(security,TDS,duesinappeal)
NonConsumableStores,Spares
Oth.Assets incl.dues frm direct.
Totl Other NonCurrent Assets 0 0 0 0
Intangible Assets 0 0 0 0
Total Assets -183.13 -183.13 -183.13 -183.13
Depreciation-Adjust(+)/deduct(-)
Tangible Net Worth 362.59 362.59 362.59 362.59
Net Working Capital 0 0 0 0
Difference(asset-liability) -545.72 -870.72 -695.72 -635.72
Notes :-
Annexure G ( Cost of Project & Source of Finance )
( For Term Loan & DPG Only )
Borrower's Name Exim Logistics (P) Ltd
Cost Cost to be Total Nature of Already To be Total
incurred incurred source arranged arranged
Land Cost 0 T/L-from us 200.00 200.00
Site Development 0 0 T/L-from oth 32.00 32.00
Building 195.00 195.00 unsec.loans 55.37 55.37
Plant & Machinery ( Imported ) 0 Capital 287.37 287.37
Plant & Machinery ( Indigenous ) 0 surplus
Transportation Charges 0 Misc.Source 10.00
Other Fixed Assets 92.37 92.37
TechKnowhow, Engg Fees etc 0
Preliminary , Preoperative Expn 0
Others 0
Prov. For Contigencies 0
(PriceEscal. For Fixed Assets 0
Capital Cost of Scheme 0 287.37 287.37
Margin for Working Capital 0
Total Cost of the Scheme 0.00 287.37 287.37 0.00 574.74 584.74
Repayment Schedule : For T/L - I , repayment period is 7 years with 1 year moratorium.
6 annual instalments of Rs 33.2 lakh each .
For T/L - II , repayment period is 7 years with 1 year moratorium .
6 annual instalments , 1st instalment of Rs 40 lakh , 2nd instalment Rs 50 lakh
and 4 annual instalment of Rs 90 lakh each .
For T/L- III , repayment period is 7 years with 18 months moratorium.
6 annual instalments , 1st instalment of Rs 15 lakh, 2nd instalment Rs 25 lakh,
3rd & 4th instalment of Rs 35 lakh, 5th instalment Rs 40 lakh, 6th instalment Rs 50 lakh
Promoter's Contribution - 30 %
Debt / Equity Ratio
Account Note:-
Annexure H ( Fund Flow Statement ) Rs in Lakh
SOURCE 2009-10 2010-11 2011-12 2012-13 2013-14
PBT 47.48 50.37 59.48 102.37 263.00
Depreciation 9.26 28.19 20.25 54.63 65.00
Investment Allowance 0 0 0 0 0
Gross Funds Generated 56.74 78.56 79.73 157.00 328.00
Taxes paid / payable 18.97 16.9 18.99 30.711 78.9
Dividend paid / payable 0.00 0.00 0.00 12.00 24.00
Preliminary Expenses 0 0.00 0 0 0
Net Funds Generated(A) 37.77 61.66 60.74 114.29 225.10
Increase in
Capital 58.56 0.00 14.15 24.03 0.00
TL / Debenture / Deferred Paymt 24.16 7.48 22.57 0 0
Public Deposit 0 0 0 0 0
other Term liabilities 3.01 41.84 0 3.79 4
Sub - Total (B1) 85.73 49.32 36.72 27.82 4.00
Decrease in
Fixed Assets 0.00 0.00 0.00 0.00
intercorporate Invest & Advances 0 9.68 3.61 14.64 0.00
Other Non Current Assets 0 0.00 52.60 0.00 0.00
Sub - Total (B2) 0 9.68 56.21 14.64 0.00
Increasein shortTerm Bank Loan 0 50.91 89.99 259.1 0
Increase in OCL 202.2 48.64 0 33.25 8
Decrease in Inventory 0 3.55 0 0
Decrease in Receivables 0 71.94 0 0
Decrease in OCA 31.26 0 98.44 0
Sub - Total ( C ) 202.2 130.81 165.48 390.79 8

Total Funds Available 325.70 251.47 319.15 547.54 237.10
SOURCE 2014-15 2015-16 2016-17 2017-18
PBT 47.48 50.37 59.48 102.37
Depreciation 9.26 28.19 20.25 54.63
Investment Allowance 0 0 0 0
Gross Funds Generated 56.74 78.56 79.73 157.00
Taxes paid / payable 18.97 16.9 18.99 30.711
Dividend paid / payable 0 0 0 0
Preliminary Expenses 0 0 0 0
Net Funds Generated(A) 37.77 61.66 60.74 126.29
Increase in
Capital 58.56 0.00 14.15 24.80
TL / Debenture / Deferred Paymt 24.16 7.48 22.57 0
Public Deposit 0 0 0 0
other Term liabilities 3.01 41.84 0 3.79
Sub - Total (B1) 85.73 49.32 36.72 28.59
Decrease in
Fixed Assets 0.00 0.00 0.00
intercorporate Invest & Advances 0 9.68 3.61 14.64
Other Non Current Assets 0 0.00 52.60 0.00
Sub - Total (B2) 0 9.68 56.21 14.64
Increasein shortTerm Bank Loan 0 50.91 89.99 259.1
Increase in OCL 202.2 48.64 0 33.25
Decrease in Inventory 0 3.55 0
Decrease in Receivables 0 71.94 0
Decrease in OCA 31.26 0 98.44
Sub - Total ( C ) 202.2 130.81 165.48 390.79

Total Funds Available 325.70 251.47 319.15 560.31
USES : 2009-10 2010-11 2011-12 2012-13 2013-14
Increase in Fixed Assets 86.98 11.02 65.67 0 60
Decrease in
TL / Deb / Deferred Payment 0 0 21.21 11
Public Deposit 0 0 0 0
Capital 1.38 0 0 0
Other Term Liabilities 0 42.64 0 0
Increase in
Intercorporate Invest. & Advanc 0 0 0 20
Other Non - Current Assets 57.93 67.16 0 3.44 38
Sub - Total ( D ) 144.91 79.56 108.31 24.65 129
Increase in Inventory 3.55 0 0 0 0
Decreasein shortTerm BankLoan 0 0 0 0
Decrease in OCL 0 126.09 0 0
Increase in receivables 47.14 171.91 0 522.89 0
Increase in OCA 130.1 0 84.75 0 108.1
Sub - Total ( E ) 180.79 171.91 210.84 522.89 108.1
Loss
Invest.Allow Depreciation
Gross Funds lost / generated 0
Taxes paid / payable
Dividend paid / payable
Sub - Total ( F ) 0
Net Funds Lost ( G ) 0
Total Funds Used 325.7 251.47 319.15 547.54 237.1
Difference 0.00 0.00 0.00 0.00 0.00
Summary
Long Term Sources 123.50 120.66 153.67 156.75 229.10
Long Term Uses 144.91 79.56 108.31 24.65 129
Surplus / Shortfall -21.41 41.10 45.36 132.10 100.10
Short Term Sources 202.2 130.81 165.48 390.79 8
Short Term Uses 180.79 171.91 210.84 522.89 108.1
Surplus / Shortfall 21.41 -41.1 -45.36 -132.1 -100.1
USES : 2014-15 2015-16 2016-17 2017-18
Increase in Fixed Assets 86.98 11.02 65.67 0
Decrease in
TL / Deb / Deferred Payment 0 0 21.21
Public Deposit 0 0 0
Capital 1.38 0 0
Other Term Liabilities 0 42.64 0
Increase in
Intercorporate Invest. & Advanc 0 0 0
Other Non - Current Assets 57.93 67.16 0 3.44
Sub - Total ( D ) 144.91 79.56 108.31 24.65
Increase in Inventory 3.55 0 0 0
Decreasein shortTerm BankLoan 0 0 0
Decrease in OCL 0 126.09 0
Increase in receivables 47.14 171.91 0 522.89
Increase in OCA 130.1 0 84.75 0
Sub - Total ( E ) 180.79 171.91 210.84 522.89
Loss
Invest.Allow Depreciation
Gross Funds lost / generated 0
Taxes paid / payable
Dividend paid / payable
Sub - Total ( F ) 0
Net Funds Lost ( G ) 0
Total Funds Used 325.7 251.47 319.15 547.54
Difference 0.00 0.00 0.00 0.00
Summary
Long Term Sources 123.50 120.66 153.67 156.75
Long Term Uses 144.91 79.56 108.31 24.65
Surplus / Shortfall -21.41 41.10 45.36 132.10
Short Term Sources 202.2 130.81 165.48 390.79
Short Term Uses 180.79 171.91 210.84 522.89
Surplus / Shortfall 21.41 -41.1 -45.36 -132.1
Break Even Point Analysis ( BEP Analysis )
(Rs in Lakh )
Fixed Cost : Percent 31/03/10 31/03/11 31/03/12 31/03/13 31/03/14
Selling & Admin 50 46.09 37.69 22.60 27.00
Interest 100 1.05 7.51 15.91 45.00
Power & Fuel 100 0.00 0.00 0.00 0.00
Repair & Maintenanc 100 0.00 0.00 0.00 0.00
Other Mfg Expenses 50 242.61 488.79 573.28 1110.00
Sub Total : 0 289.75 533.99 611.79 1182.00
Variable Cost
Direct Labour 100 0 34.91 43.06 62.94 126.00
Selling & Admin 50 0 46.09 37.69 22.60 27.00
Other Mfg Expenses 50 0 242.61 488.79 573.28 1110.00
0
0
Sub Total : 0 323.61 569.54 658.82 1263.00
Total Cost : 0 613.35 1103.52 1270.60 2445.00
Total Revenue : 669.34 1180.29 1323.01 2600
Contribution : 0 345.74 610.76 664.20 1337.00
P/V Ratio : #DIV/0! 0.52 0.52 0.50 0.51
BEP Revenue: #DIV/0! 560.94 1031.93 1218.61 2298.58
BEP Capacity % : #DIV/0! 83.81 87.43 92.11 88.41
Break Even Point Analysis ( BEP Analysis )
(Rs in Lakh )
Fixed Cost : Percent 31/03/13 31/03/14 31/03/15 31/03/16
Selling & Admin 50 32.50 0.00 0.00 0.00
Interest 100 60.00 0.00 0.00 0.00
Power & Fuel 100 0.00 0.00 0.00 0.00
Repair & Maintenanc 100 0 0.00 0.00 0.00
Sub Total : 3847.50 0.00 0.00 0.00
Variable Cost
Direct Labour 100 194.00 0.00 0.00 0.00
Selling & Admin 50 32.50 0.00 0.00 0.00
Sub Total : 2104.00 0.00 0.00 0.00
Total Cost : 5951.50 0.00 0.00 0.00
Total Revenue : 4400.00 0.00 0.00 0.00
Contribution : 2296.00 0.00 0.00 0.00
P/V Ratio : 0.52 #DIV/0! #DIV/0! #DIV/0!
BEP Revenue: 7373.26 #DIV/0! #DIV/0! #DIV/0!
BEP Capacity % : 167.57 #DIV/0! #DIV/0! #DIV/0!
Annexure F2
(Assessment of Working Capital as per PBF) (Rs in Lac)
Year 31/03/10 31/03/11 31/03/12 31/03/13 31/03/14
Projected turnover
Actual turnover
Variance 0 0 0 0 0
Accepted turnover 0 0 0 0 0
Actual Margin contributed -21.41 19.69 65.05 197.15 297.25
5% of Sales
Stipulated Margin
25% of sales
Permissible Bank Finance-PBF
COUNTER CHECK
Performance parameter
Average monthly net sale
Less-Average monthly expenses
RM/SIP/STORES
SPARES
WAGES/SALARIES
Oth mfg.&business expenses
TOTAL
Monthly surplus
OPERATING CYCLE
No. of days of
Average production time
Average stocking period-FG
Av. Period of credit sales
Total operating cycle
Gross Working capital required
Less Sundry Creditors
Less Margin
Approximate requirement of WC
LIMIT REQUIRED
CALCULATION AS PER TANDON
COMMITTEE NORMS
Current Assets 180.79 321.44 330.70 755.15 863.25
Less (Current Liability-bank loans) 202.20 250.84 124.75 158.00 166.00
Working Capital Required -21.41 70.60 205.95 597.15 697.25
25% of CA 45.20 80.36 82.68 188.79 215.81
Net Working Capital -21.41 19.69 65.05 197.15 297.25
Assessed Bank Finance 0.00 50.91 140.90 400.00 400.00
Working Capital Limit 1st method -16.06 52.95 154.46 447.86 522.94
Working Capital Limit 2nd method -66.61 -9.76 123.28 408.36 481.44
MPBF-1st method -16.06 50.91 140.90 400.00 400.00
MPBF-2nd method -66.61 -9.76 123.28 400.00 400.00
Annexure F2
(Assessment of Working Capital as per PBF) (Rs in Lac)
Year 31/03/13 31/03/14 31/03/15 31/03/16
Projected turnover
Actual turnover
Variance 0 0 0 0
Accepted turnover 0 0 0 0
Actual Margin contributed 0 0 0 0
5% of Sales
Stipulated Margin
25% of sales
Permissible Bank Finance-PBF
COUNTER CHECK
Performance parameter
Average monthly net sale
Less-Average monthly expenses
RM/SIP/STORES
SPARES
WAGES/SALARIES
Oth mfg.&business expenses
TOTAL
Monthly surplus
OPERATING CYCLE
No. of days of
Average production time
Average stocking period-FG
Av. Period of credit sales
Total operating cycle
Gross Working capital required
Less Sundry Creditors
Less Margin
Approximate requirement of WC
LIMIT REQUIRED
CALCULATION AS PER TANDON
COMMITTEE NORMS
Current Assets 0 0 0 0
Less (Current Liability-bank loans) 0 0 0 0
Working Capital Required 0 0 0 0
25% of CA 0 0 0 0
Net Working Capital 0 0 0 0
Assessed Bank Finance 0 0 0 0
Working Capital Limit 1st method 0 0 0 0
Working Capital Limit 2nd method 0 0 0 0
MPBF-1st method
MPBF-2nd method
Annexure F2
PERFORMANCE & FINANCIAL INDICATORS (Rs in Lac)
Year 31/03/10 31/03/11 31/03/12 31/03/13 31/03/14
Net Sales 669.34 1180.29 1323.01 2600.00 4400.00
Operating profit 46.73 48.58 28.61 100.37 261.00
Net Other Income 0.75 1.79 30.87 2.00 2.00
PBT 47.48 50.37 59.48 102.37 263.00
PBT/NS (%) 7.09 4.27 4.50 3.94 5.98
PAT 28.51 33.47 40.49 71.66 184.10
Cash accrual 56.74 78.56 79.73 157.00 328.00
Paid up capital 18.00 18.00 50.00 55.00 55.00
TNW 87.00 119.16 173.80 257.49 417.59
Adj. TNW 87.00 119.16 173.80 257.49 417.59
TOL/TNW 2.64 3.17 1.85 2.32 1.43
TTL/TNW 0.31 0.64 0.32 0.15 0.08
Current Ratio 0.89 1.07 1.24 1.35 1.53
Total Tangible Assets(TTA) 316.37 497.40 495.87 854.49 1015.59
EFFICIENCY RATIOS
Net sales/TTA (times) 2.12 2.37 2.67 3.04 4.33
PBT/TTA % 15.01 10.13 12.00 11.98 25.90
Operating Profit/NS (%) 6.98 4.12 2.16 3.86 5.93
Bank Finance/Current Assets (%) 0.00 15.84 42.61 52.97 46.34
(Inv+Recei.)/NS (%) 7.57 18.86 11.12 25.77 15.23
LIQUIDITY RATIOS
Current Ratio 0.89 1.07 1.24 1.35 1.53
Acid Test Ratio 0.88 1.05 1.24 1.35 1.53
Bank Finance/WCG (%) 0.00 72.11 68.41 66.98 57.37
NWC/CA (%) -11.84 6.13 19.67 26.11 34.43
OCL/TCA (%) 42.99 17.96 15.34 7.95 7.18
Sundry Creditor/TCA (%) 39.47 53.29 16.02 8.21 7.30
LEVERAGE RATIOS
Debt:Equity ratio(TTL/TNW) 0.31 0.64 0.32 0.15 0.08
TOL/TNW 2.64 3.17 1.85 2.32 1.43
Debt/Assets (TTL/TTA) 0.09 0.15 0.11 0.05 0.03
Fixed Assets Coverage Ratio
Interest Coverage ratio 55.04 11.46 6.01 4.49 6.47
TURNOVER RATIOS
Inventory turnover period (days) 1.94 1.10 0.00 0.00 0.00
Average collection period (days) 25.71 67.74 40.59 94.06 55.58
Total Assets Turnover (times) 2.12 2.37 2.67 3.04 4.33
Average Credit Period (days) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Bank Finance Turnover(times) #DIV/0! 23.18 9.39 6.50 11.00
Current Assets Turnover(times) 3.70 3.67 4.00 3.44 5.10
PROFITABILITY RATIOS
Net Profit Margin (%) 4.26 2.84 3.06 2.76 4.18
Net Income:Assets ratio (%) 9.01 6.73 8.17 8.39 18.13
Return on Investments -ROCE(%) 18.27 17.30 19.29 23.64 38.20
Return on Equity (%) 158.39 185.94 80.98 130.29 334.73
Operating Profitability (%) 6.98 4.12 2.16 3.86 5.93
Pre-Tax Profitability (%) 7.09 4.27 4.50 3.94 5.98
PBT/TTA (%) 15.01 10.13 12.00 11.98 25.90
STRUCTURAL RATIOS
Retained Profit Ratio (%) 4.26 2.84 3.06 2.29 3.64
Raw material Content/Prod.cost(%) 0.00 0.00 0.00 0.00 0.00
Operating cost/NS (%) 93.02 95.88 97.84 96.14 94.07
Annexure F2
PERFORMANCE & FINANCIAL INDICATORS (Rs in Lac)
Year 31/03/13 31/03/14 31/03/15 31/03/16
Net Sales 0 0 0 0
Operating profit 0.00 0.00 0.00 0.00
Net Other Income 0.00 0.00 0.00 0.00
PBT 0.00 0.00 0.00 0.00
PBT/NS (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
PAT 0.00 0.00 0.00 0.00
Cash accrual 65.00 0.00 0.00 0.00
Paid up capital 0 0 0 0
TNW 362.59 362.59 362.59 362.59
Adj. TNW 362.59 362.59 362.59 362.59
TOL/TNW 0 0.896332 0.413692 0.248215
TTL/TNW 0 0.896332 0.413692 0.248215
Total Tangible Assets(TTA) -183.13 -183.13 -183.13 -183.13
EFFICIENCY RATIOS
Net sales/TTA (times) 0 0 0 0
PBT/TTA % 0 0 0 0
Operating Profit/NS (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Bank Finance/Current Assets (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
(Inv+Recei.)/NS (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
LIQUIDITY RATIOS
Acid Test Ratio #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Bank Finance/WCG (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
NWC/CA (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
OCL/TCA (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Sundry Creditor/TCA (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
LEVERAGE RATIOS
Debt:Equity ratio(TTL/TNW) 0 0.896332 0.413692 0.248215
TOL/TNW 0 0.896332 0.413692 0.248215
Debt/Assets (TTL/TTA) 0 -1.7747 -0.81909 -0.49145
Fixed Assets Coverage Ratio
Interest Coverage ratio #DIV/0! #DIV/0! #DIV/0! #DIV/0!
TURNOVER RATIOS
Inventory turnover period (days) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Average collection period (days) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Total Assets Turnover (times) 0 0 0 0
Average Credit Period (days) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Bank Finance Turnover(times) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Current Assets Turnover(times) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
PROFITABILITY RATIOS
Net Profit Margin (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Net Income:Assets ratio (%) 0 0 0 0
Return on Investments -ROCE(%) 0 0 0 0
Return on Equity (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Operating Profitability (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Pre-Tax Profitability (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
PBT/TTA (%) 0 0 0 0
STRUCTURAL RATIOS
Retained Profit Ratio (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Raw material Content/Prod.cost(%) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Operating cost/NS (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Analysis of P/L Items
31/03/10 31/03/11 31/03/12 31/03/13 31/03/14
Gross Sales 669.34 1180.29 1323.01 2600 4400
Less Excise Duty 0 0 0 0 0
Net Sales 669.34 1180.29 1323.01 2600 4400
Composition as % of netSale
RawMat incl spares 0.00 0.00 0.00 0.00 0.00
Indigenous 0.00 0.00 0.00 0.00 0.00
Imported 0.00 0.00 0.00 0.00 0.00
other spares-indigenous 0.00 0.00 0.00 0.00 0.00
other spares-imported 0.00 0.00 0.00 0.00 0.00
Other spares-total 0.00 0.00 0.00 0.00 0.00
Power , Fuel 0.00 0.00 0.00 0.00 0.00
Direct Labour 5.22 3.65 4.76 4.85 4.41
Repair , Maintenance 0 0 0 0 0
Depreciation 1.38 2.39 1.53 2.10 1.48
Cost of Production 79.09 88.86 92.95 92.33 91.23
Total Cost of Sale 79.09 88.86 93.22 92.33 91.23
Interest 0.16 0.64 1.20 1.73 1.36
Selling , Gen , Admin Expenses 13.77 6.39 3.42 2.08 1.48
Interest on Term Loans: 0 0 0 0 0
Export Sale 0 0 0 0 0
Cr. Turnover in a/c 0 0 0 0 0
Cash Accrual 8.48 6.66 6.03 6.04 7.45
Net Other income 0.11 0.15 2.33 0.08 0.05
Net Other income/PBT (%) 1.58 3.55 51.90 1.95 0.76
PAT/PBT (%) 60.05 66.45 68.07 70.00 70.00
Retained profit/PAT (%) 100.00 100.00 100.00 83.25 86.96
Average cost of Borrowing(short)-% 12.68 13.79 10.98 10.95 14.60
Average cost of Borrowing(long)-% 0.00 0.00 0.00 0.00 0.00
Composition as % of cost of Sale
RawMat incl stores 0.00 0.00 0.00 0.00 0.00
Indigenous 0.00 0.00 0.00 0.00 0.00
Imported 0.00 0.00 0.00 0.00 0.00
other spares-indigenous 0.00 0.00 0.00 0.00 0.00
other spares-imported 0.00 0.00 0.00 0.00 0.00
Power , Fuel 0.00 0.00 0.00 0.00 0.00
Direct Labour 6.59 4.11 5.10 5.25 4.83
Repair , Maintenance 0.00 0.00 0.00 0.00 0.00
Depreciation 1.75 2.69 1.64 2.28 1.62
Accretion/depletion in FG.SIP 0.00 0.00 0.29 0.00 0.00
Growth (%)
Gross Sale 76.34 12.09 96.52 69.23
Net Sale 76.34 12.09 96.52 69.23
Domestic Sale 76.34 12.09 96.52 69.23
Export Sale #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Raw material-indi #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Raw material-imported #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Other spares-indi #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Other spares-imported #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Raw mat incl. spares #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Power , Fuel #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Direct Labour 23.35 46.17 100.19 53.97
Repair , Maintenance #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Other Mfg Expenses 101.47 17.29 93.62 69.14
Depreciation 204.43 -28.17 169.78 18.98
Cost of Production 98.12 17.25 95.21 67.21
Total Cost of Sale 98.12 17.59 94.65 67.21
Interest 615.24 111.85 182.84 33.33
Selling , Gen , Admin Expenses -18.22 -40.05 19.50 20.37
Gross profit -6.06 -31.76 122.24 93.61
Operating profit 3.96 -41.11 250.82 160.04
PBT 6.09 18.09 72.11 156.91
PAT 17.40 20.97 76.98 156.91
Retained profit 17.40 20.97 47.34 168.36
Net Other income 138.67 1624.58 -93.52 0.00
Analysis of P/L Items
31/03/13 31/03/14 31/03/15 31/03/16
Gross Sales 0 0 0 0
Less Excise Duty 0 0 0 0
Net Sales 0 0.00 0 0
Composition as % of netSale
RawMat incl spares #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Indigenous #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Imported #DIV/0! #DIV/0! #DIV/0! #DIV/0!
other spares-indigenous #DIV/0! #DIV/0! #DIV/0! #DIV/0!
other spares-imported #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Other spares-total #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Direct Labour #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Other Mfg Expenses #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Depreciation #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Cost of Production #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Total Cost of Sale #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Interest #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Selling , Gen , Admin Expenses #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Interest on Term Loans: #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Cr. Turnover in a/c #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Cash Accrual #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Net Other income #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Net Other income/PBT (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
PAT/PBT (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Retained profit/PAT (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Average cost of Borrowing(short)-% #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Average cost of Borrowing(long)-% #DIV/0! 0 0 0
Composition as % of cost of Sale
RawMat incl stores #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Indigenous #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Imported #DIV/0! #DIV/0! #DIV/0! #DIV/0!
other spares-indigenous #DIV/0! #DIV/0! #DIV/0! #DIV/0!
other spares-imported #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Direct Labour #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Other Mfg Expenses #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Depreciation #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Accretion/depletion in FG.SIP #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Growth (%)
Gross Sale -100.00 #DIV/0! #DIV/0! #DIV/0!
Net Sale -100.00 #DIV/0! #DIV/0! #DIV/0!
Domestic Sale -100.00 #DIV/0! #DIV/0! #DIV/0!
Raw material-indi #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Raw material-imported #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Other spares-indi #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Other spares-imported #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Raw mat incl. spares #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Direct Labour -100.00 #DIV/0! #DIV/0! #DIV/0!
Other Mfg Expenses -100.00 #DIV/0! #DIV/0! #DIV/0!
Depreciation -100.00 #DIV/0! #DIV/0! #DIV/0!
Cost of Production -100.00 #DIV/0! #DIV/0! #DIV/0!
Total Cost of Sale -100.00 #DIV/0! #DIV/0! #DIV/0!
Interest -100.00 #DIV/0! #DIV/0! #DIV/0!
Selling , Gen , Admin Expenses -100.00 #DIV/0! #DIV/0! #DIV/0!
Gross profit -100.00 #DIV/0! #DIV/0! #DIV/0!
Operating profit -100.00 #DIV/0! #DIV/0! #DIV/0!
PBT -100.00 #DIV/0! #DIV/0! #DIV/0!
PAT -100.00 #DIV/0! #DIV/0! #DIV/0!
Retained profit -100.00 #DIV/0! #DIV/0! #DIV/0!
Net Other income -100.00 #DIV/0! #DIV/0! #DIV/0!
( Analysis of Balance Sheet ) (Rs in Lac)
31/03/10 31/03/11 31/03/12 31/03/13 31/03/14
Composition (%)
From Banks(ours) 0.00 0.00 0.00 71.68 70.67
(others) 0.00 16.87 53.04 0.00 0.00
Sub - Total 0.00 16.87 53.04 71.68 70.67
Short Term Borrowing( others ) 0.00 0.00 0.00 0.00 0.00
Deposits(Maturing in 1 year ) 0.00 0.00 0.00 0.00 0.00
Sundry Creditors 35.29 56.77 19.95 11.11 11.13
Unsecured Loans 0.00 0.00 0.00 0.00 0.00
Adv.frm Customers / dealers 0.00 0.00 0.00 0.00 0.00
Int/oth.Charges accrubutnotdue 0.00 0.00 0.00 0.00 0.00
Provision for Taxation 22.18 6.05 6.41 4.48 5.30
Dividend Payable 0.00 0.00 0.00 0.00 0.00
OthStatutoryLiadue in 1 yr 0.00 0.00 0.00 0.00 0.00
InstalmentTL / DPG duein1yr 4.09 1.17 1.50 1.97 1.94
Other Current Liabilities 38.44 19.13 19.10 10.75 10.95
Sub - Total 100.00 83.13 46.96 28.32 29.33
Total Current Liabilities 100.00 100.00 100.00 100.00 100.00
Growth (%)- Liabilities
From Banks(ours) #DIV/0! #DIV/0! #DIV/0! 0.00
(others) #DIV/0! 176.76 -100.00 #DIV/0!
Sub - Total #DIV/0! 176.76 183.89 0.00
Short Term Borrowing( others ) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Deposits(Maturing in 1 year ) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Sundry Creditors 140.05 -69.07 17.00 1.61
Unsecured Loans #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Adv.frm Customers / dealers #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Int/oth.Charges accrubutnotdue #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Provision for Taxation -59.26 -6.79 46.80 20.00
Dividend Payable #DIV/0! #DIV/0! #DIV/0! #DIV/0!
OthStatutoryLiadue in 1 yr #DIV/0! #DIV/0! #DIV/0! #DIV/0!
InstalmentTL / DPG duein1yr -57.25 12.71 175.69 0.00
Other Current Liabilities -25.72 -12.11 18.25 3.33
Sub - Total 24.06 -50.27 26.65 5.06
Total Current Liabilities 49.23 -11.96 110.05 1.43
Total Term Liabilities 181.52 -26.24 -30.88 -17.95
Total Outside Liabilities 64.90 -14.85 85.36 0.17
Net Worth 36.86 45.85 48.15 62.18
Tangible Net Worth 36.97 45.85 48.15 62.18
( Analysis of Balance Sheet ) (Rs in Lac)
31/03/13 31/03/14 31/03/15 31/03/16
Composition (%)
From Banks(ours) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
(others) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Sub - Total #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Sundry Creditors #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Provision for Taxation #DIV/0! #DIV/0! #DIV/0! #DIV/0!
InstalmentTL / DPG duein1yr #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Other Current Liabilities #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Sub - Total #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Total Current Liabilities #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Growth (%)- Liabilities
From Banks(ours) -100 #DIV/0! #DIV/0! #DIV/0!
(others) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Sub - Total -100 #DIV/0! #DIV/0! #DIV/0!
Sundry Creditors -100 #DIV/0! #DIV/0! #DIV/0!
Provision for Taxation -100 #DIV/0! #DIV/0! #DIV/0!
InstalmentTL / DPG duein1yr -100 #DIV/0! #DIV/0! #DIV/0!
Other Current Liabilities -100 #DIV/0! #DIV/0! #DIV/0!
Sub - Total -100 #DIV/0! #DIV/0! #DIV/0!
Total Current Liabilities -100 #DIV/0! #DIV/0! #DIV/0!
Total Term Liabilities -100 #DIV/0! -53.85 -40.00
Total Outside Liabilities -100 #DIV/0! -53.85 -40.00
Net Worth -13.1708 0.00 0.00 0.00
Tangible Net Worth -13.1708 #DIV/0! #DIV/0! #DIV/0!
Current Assets 31/03/10 31/03/11 31/03/12 31/03/13 31/03/14
Composition (%)
Cash & Bank Balance 29.23 21.97 37.34 0.68 8.02
Investment in Govt / Trust Secur 0.00 0.00 0.00 0.00 0.00
FD in Banks 0.00 0.00 0.00 1.32 5.10
Receivable oth.than deferred/exp 26.07 68.15 44.48 88.72 77.61
Export Receivables 0.00 0.00 0.00 0.00 0.00
Instalment of Deferred Receivab. 0.00 0.00 0.00 0.00 0.00
Inventory 1.96 1.10 0.00 0.00 0.00
Raw materials - indigenous 0.00 0.00 0.00 0.00 0.00
Raw materials -imported 0.00 0.00 0.00 0.00 0.00
Stock-in-Process 0.00 0.00 0.00 0.00 0.00
Finished Goods 1.96 1.10 0.00 0.00 0.00
Other Consumables 0.00 0.00 0.00 0.00 0.00
Advance to suppliers of Raw Mat 0.00 0.00 0.00 0.00 0.00
Advance Payment of Taxes 0.00 0.00 8.13 3.97 4.63
Other Current Assets 42.73 8.78 10.05 5.30 4.63
Total Current Assets 100.00 100.00 100.00 100.00 100.00
Annual growth (%) -Assets
Cash & Bank Balance 33.60 74.86 -95.83 1244.66
Investment in Govt / Trust Secur #DIV/0! #DIV/0! #DIV/0! #DIV/0!
FD in Banks #DIV/0! #DIV/0! #DIV/0! 340.00
Receivable oth.than deferred/exp 364.68 -32.84 355.44 0.00
Export Receivables #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Instalment of Deferred Receivab. #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Inventory 0.00 -100.00 #DIV/0! #DIV/0!
Raw materials - indigenous #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Raw materials -imported #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Stock-in-Process #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Finished Goods 0.00 -100.00 #DIV/0! #DIV/0!
Other Consumables #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Advance to suppliers of Raw Mat #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Advance Payment of Taxes #DIV/0! #DIV/0! 11.57 33.33
Other Current Assets -63.46 17.71 20.37 0.00
Total Current Assets 77.80 2.88 128.35 14.32
Gross Block 7.57 58.96 0.00 35.40
Net block -22.02 75.01 -51.55 -9.74
Total other non-current assets 99.22 -48.70 -18.92 120.83
Intangible assets -100.00 #DIV/0! #DIV/0! #DIV/0!
Net Working Capital-NWC -191.97 230.37 203.07 50.77
Current Assets 31/03/13 31/03/14 31/03/15 31/03/16
Composition (%)
Cash & Bank Balance #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Investment in Govt / Trust Secur #DIV/0! #DIV/0! #DIV/0! #DIV/0!
FD in Banks #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Receivable oth.than deferred/exp #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Export Receivables #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Instalment of Deferred Receivab. #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Inventory #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Raw materials - indigenous #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Raw materials -imported #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Stock-in-Process #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Finished Goods #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Other Consumables #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Advance to suppliers of Raw Mat #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Advance Payment of Taxes #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Other Current Assets #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Total Current Assets #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Annual growth (%) -Assets
Cash & Bank Balance -100.00 #DIV/0! #DIV/0!
Investment in Govt / Trust Secur #DIV/0! #DIV/0! #DIV/0!
FD in Banks -100.00 #DIV/0! #DIV/0!
Receivable oth.than deferred/exp -100.00 #DIV/0! #DIV/0!
Export Receivables #DIV/0! #DIV/0! #DIV/0!
Instalment of Deferred Receivab. #DIV/0! #DIV/0! #DIV/0!
Inventory 0.00 #DIV/0! #DIV/0!
Raw materials - indigenous #DIV/0! #DIV/0! #DIV/0!
Raw materials -imported #DIV/0! #DIV/0! #DIV/0!
Stock-in-Process #DIV/0! #DIV/0! #DIV/0!
Finished Goods #DIV/0! #DIV/0! #DIV/0!
Other Consumables #DIV/0! #DIV/0! #DIV/0!
Advance to suppliers of Raw Mat #DIV/0! #DIV/0! #DIV/0!
Advance Payment of Taxes -100.00 #DIV/0! #DIV/0!
Other Current Assets -100.00 #DIV/0! #DIV/0!
Total Current Assets -100.00 #DIV/0! #DIV/0!
Gross Block -100.00 #DIV/0! #DIV/0!
Net block -495.19 0.00 0.00
Total other non-current assets -100.00 #DIV/0! #DIV/0!
Intangible assets #DIV/0! #DIV/0! #DIV/0!
Net Working Capital: NWC -100.00 #DIV/0! #DIV/0!

Bank Credit Proposal Review

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Bank Credit Proposal Review

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Bank of Baroda Bank Name Here

Proposal for Credit Facilities

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