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XYZ

Business Plan
For the Financial Years 2011-12 to 2014-15
Back Ground

XYZ) is a non-banking financial company (NBFC). It got the certificate of the


incorporation on .................. In ......., the promoters of Volition Credit & Holdings
Private Limited

Company's Registered/Corporate Office at


________________________________________________________________

XYZ is a Loan Conmpany basically to provide loan to corporates and individuals.

Mr. ______________ and Mr. _____________, Directors of the Company.

Mr. ___________________ is managing the business of the Company designated


as ___________________.
XYZ

Assumptions

Particulars FY 2011-12 FY 2012-13 FY 2013-14 FY 2014-15

CAPITAL AVAILABLE FOR INVESTMENT 20.00

CASH BALANCE KEPT 1.00

Loan Taken RS in Lac - 25.00 30.00 35.00

Cumulative - 25.00 55.00 90.00

Loan Given 19.00 25.00 30.00 35.00

Cumulative 19.00 44.00 74.00 109.00

Loan Term/Duration Year 5 5 5 5

Loan Amount % 100% 100% 100% 100%

Interest Rate % 20 20 20 20

Repayment after 5 Years After 5 Yrs After 5 Yrs After 5 Yrs After 5 Yrs

Administrative Expenses % 4 4 4 4

Interest and Financial Charges % 13 13 13 13

Provision for Loan Loss 0.5% 0.5% 0.5% 0.5%

Income Tax 33.33% 33.33% 33.33% 33.33%

Reserve Fund u/s 45IC 20% 20% 20% 20%


XYZ

PROJECTED PROFIT AND LOSS ACCOUNT FOR THE FY 2011-12 TO FY 2014-15


( Amount Rs in Lac)
Particulars Projected

FY 2011-12 FY 2012-13 FY 2013-14 FY 2014-15

Income
Interest Received 3.80 8.80 14.80 21.80
Other Income (Commission etc.)
TOTAL 3.80 8.80 14.80 21.80

EXPENDITURE
Interest Paid and Financial Charges - 3.25 7.15 11.70
Administrative Expenses 0.76 1.76 2.96 4.36

TOTAL 0.76 5.01 10.11 16.06


Profit before tax and provisions 3.04 3.79 4.69 5.74
Provision for Loan Loss 0.10 0.22 0.37 0.55
Tax 0.98 1.19 1.44 1.73
Profit after tax 1.96 2.38 2.88 3.46
Add: Brought forward Profit/(Loss) for the Last Year - 1.57 3.47 5.78
Profit After Previous year Adjustment 1.96 3.95 6.35 9.24
Reserve Fund u/s 45IC 0.39 0.48 0.58 0.69
Profit/Loss Carried to Balance Sheet 1.57 3.47 5.78 8.55
XYZ

PROJECTED BALANCE SHEET FOR THE FY 2011-12 TO FY 2014-15


( Amount Rs in Lac)

Particulars Projected
FY 2011-12 FY 2012-13 FY 2013-14 FY 2014-15
I. SOURCES OF FUNDS:
Shareholders' Funds:
Capital 50.00 50.00 50.00 50.00
Resurves 0.39 0.87 1.44 2.14
Cumulative Surplus 1.57 3.47 5.78 8.55
Long Term Borrowings - 25 55 90

Provision for Loan Loss 0.10 0.32 0.69 1.23

TOTAL 52.06 79.66 112.91 151.92

II. APPLICATION OF FUNDS:


Current Assets, Loans and Advances:
(a) Cash and bank balances 33.06 35.66 38.91 42.92

(b) Loans and Advances 19.00 44.00 74.00 109.00


52.06 79.66 112.91 151.92
Less: Current Liablities and Provisions:
Liablities - - - -
Net Current Assets 52.06 79.66 112.91 151.92

Profit & Loss Account - - -

TOTAL 52.06 79.66 112.91 151.92

- - - -
(1)
XYZ

PROJECTED CASH FLOW FOR THE FY 2011-12 TO FY 2014-15

Particulars Projected

FY 2011-12 FY 2012-13 FY 2013-14 FY 2014-15

Opening cash & Bank Balances - 33.06 35.66 38.91


Capital 50.00
Profit before tax and provisions 3.04 3.79 4.69 5.74
Loan Received - 25.00 30.00 35.00
-

Total Inflow 53.04 61.85 70.35 79.65

Loan Given 19.00 25.00 30.00 35.00

Other Liabilities Paid


Tax Paid 0.98 1.19 1.44 1.73

Total Outflow 19.98 26.19 31.44 36.73

Closing Balance 33.06 35.66 38.91 42.92


XYZ
(Formerly known as Bhageria Credit and Holding Private Limited)

PROJECTED LOAN AND INTEREST FOR THE FY 2011-12 TO FY 2014-15

Particulars FY 2011-12 FY 2012-13 FY 2013-14 FY 2014-15

- 19.00 44.00 74.00


Opening Loan (Assets)
19.00 25.00 30.00 35.00
Loan Given During the Year by 1st day
19.00 44.00 74.00 109.00
Closing Loan (Assets)
- - 25.00 55.00
Opening Loan (Liabilities)
- 25.00 30.00 35.00
Loan Taken During the Year
- 25.00 55.00 90.00
Closing Loan (Liabilities)
3.80 8.80 14.80 21.80
Interest Received
- 3.25 7.15 11.70
Interest Paid