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FORM - I
PARTICULARS OF EXISTING / PROPOSED LIMITS FROM THE BANKING SYSTEM
(Limits from all Banks and Financial Institutions as on date of application)
Name: ( Rs.in lakhs )
Sl. No.
NAME OF BANK / FINANCIALNATURE OF FACILITY EXISTING EXTENT TO WHICH LIMITS BAL.O/S LIMITS NOW
INSTITUTION LIMITS WERE UTILISED DURING AS ON REQUESTED
LAST 12 MONTHS 31st March, 2008 2008 - 2009
MAX. MIN.
A. WORKING CAPITAL LIMITS:
FUND BASED
B. TERM LOANS/DPGS
EXCLUDING WORKING
CAPITAL TERM LOANS
TOTAL - - - - -
CREDIT MONITORING ARRANGEMENT WORKING CAPITAL ASSESSMENT
Sl. No. Name of the Associate Annual makeup of A/c Limits from all Banks and fincial institutions
Company & Activity (Date of B/S)
Name of Working Capital Term loan Overdues,if
Bank/finan Funds Non-fund & any
cial Instn. Based Based DPG
ASSESSMENT OF WORKING CAPITAL REQUIREMENTS
Contd...2
ASSESSMENT OF WORKING CAPITAL REQUIREMENTS
14. RETAINED PROFIT/NET PROFIT (%AGE) [13 / 11] - 100.00 100.00 100.00 100.00 100.00
Contd...4
ASSESSMENT OF WORKING CAPITAL REQUIREMENTS
Contd...5
ASSESSMENT OF WORKING CAPITAL REQUIREMENTS
NET WORTH
19. Share capital 135.37 188.28
20. General reserve
21. Revaluation Reserve
22. Other reserves ( excluding provisions )
23. Surplus (+) or deficit (-) in
Profit & Loss account - (327.47) (489.66) (489.66) (489.66) (489.66)
24. NET WORTH 135.37 (139.19) (489.66) (489.66) (489.66) (489.66)
25. TOTAL LIABILITIES ( 18 + 24 ) 2,017.50 2,433.64 (489.66) (489.66) (489.66) (489.66)
Contd...6
ASSESSMENT OF WORKING CAPITAL REQUIREMENTS
Contd...7
ASSESSMENT OF WORKING CAPITAL REQUIREMENTS
35. Gross Block (land, building, machinery, furniture, fittings & vehicles)
36. Depreciation to date 85.42 85.42 85.42 85.42 85.42
37. NET BLOCK (35-36) - (85.42) (85.42) (85.42) (85.42) (85.42)
Contd...8
ASSESSMENT OF WORKING CAPITAL REQUIREMENTS
Contd...9
- - #DIV/0! #DIV/0! #DIV/0! #DIV/0!
ASSESSMENT OF WORKING CAPITAL REQUIREMENTS
FORM - V : COMPUTATION OF MAXIMUM PERMISSIBLE BANK FINANCE FOR WORKING CAPITAL [MPBF]
1. TOTAL CURRENT ASSETS (9 in Form -IV) 276.54 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
2. Other Current Liabilities (Other than bank borrowing) 906.78 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
3. Working capital gap (WCG) (1-2) (630.24) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
4. Minimum Stipulated Net Working Capital (157.56) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
i.e.25% of WCG
8. Maximum permissible bank finance [MPBF] (1,964.49) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Contd…10
ASSESSMENT OF WORKING CAPITAL REQUIREMENTS
RATIO ANALYSIS
Name:
Page 11
As per Profit & Loss account actuals/
estimates for the year ended/ending
LAST 2 YEARS
ACTUALS AS PER ACTUALS ESTIMATES ESTIMATES ESTIMATES
AUDITED ACCOUNTS
Usual 31.03.2006 31.03.2007 31.03.2008 31.03.2009 31.03.2010 31.03.2011
Norm (1) (2) (3) (4) (5) (6)
EFFICIENCY RATIOS:
Net Sales / Total Tangible Assets (Times) >1.50 21.58 18.39 0 - 0 -
PBT / TTA (%) >5.00% -204.40% -244.77% 271.25% 0.00% 0.00% 0.00%
Operating Cost / Net Sales (%) <75.00% 109.67% 113.40% #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Bank Finance / Current Assets (%) <50.00% 167.64% 100.54% #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Inventory+Receivables / Net Sales (Days) <60 Days 11 24 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
LIQUIDITY RATIOS:
Current Ratio >1.33 0.15 0.23 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Acid Test Ratio >1.00 0.05 0.04 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Bank Finance to WCG Ratio <0.75 (0.43) (0.44) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
LEVERAGE RATIOS:
Debt Equity Ratio <2.00 7.32 (9.97) - - - -
TOL / TNW <3.00 13.90 (18.48) - - - -
Debt-Assets Ratio <0.60 7.30 7.26 - - - -
Fixed Assets Coverage <0.60 #DIV/0! (16.25) - - - -
Interest Coverage Ratio >2.00 (0.93) (2.07) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
TURNOVER RATIOS:
Inventory Turnover Period (Days) <30 Days 11 24 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Average Collection Period (Days) <30 Days - - #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Total Assets Turnover (Times) >1.00 21.58 18.39 - - - -
Average Credit Period (Days) - Creditors <30 Days 84 94 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Bank Finance Turnover (Times) >5.00 12.87 12.64 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Current Assets Turnover (Times) >3.00 21.58 12.71 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
PROFITABILITY RATIOS:
Net Profit Margin after tax (%) >5.00% -6.63% -9.32% #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Net Income to Assets Ratio (%) >10.00% -143.08% -171.34% 189.87% 0.00% 0.00% 0.00%
Return on Investment (%) [PBDIT/TTA] >20.00% -70.53% -133.88% 271.25% 0.00% 0.00% 0.00%
Return on Equity (%) >18.00% -143.53% 235.27% 33.12% 0.00% 0.00% 0.00%
Operating Profitability (%) >20.00% -9.67% -13.40% #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Pre-Tax Profitability (%) >15.00% -9.47% -13.31% #DIV/0! #DIV/0! #DIV/0! #DIV/0!
PBT / TTA (%) >10.00% -204.40% -244.77% 271.25% 0.00% 0.00% 0.00%
STRUCTURAL RATIOS:
Retained Profit (%) >20.00% 100.00% 100.00% 100.00% #DIV/0! #DIV/0! #DIV/0!
Raw Material Content (%) <50.00% 78.39% 76.17% #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Operating Cost / Sales (%) <75.00% 109.67% 113.40% #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Signs:
< = Less Than
> = More Than
CALCULATION OF TERM LOAN INTEREST AND REPAYMENT SCHEDULE
Rate of Interest on Loan : 18.5
::