Proforma Project Report For Getting Bank Loan

7/28/2019 Proforma Project Report For Getting Bank Loan

1/29


2/29

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SR NO PARTICULARS AREA RATE AMOUNT

1 Land 0 0 0

TOTAL 0

2 Building on rent

a) Plant and machinery area

b) Rawmateral Storage area Sq. Mt

C) Office space

TOTAL 120000

DETAILS OF LAND & BUILDING & OTHER CIVIL WORK

10000 12 120000


3/29

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SR NO NAME OF THE MACHINERY NOS RATE AMOUNT

1 Mixer 1 500,000.00

2 Foam Genratore 1 197,000.00

3 Automatic water and chemical doasing system 1 155,000.004 Compressore 1 47,000.005 Digital control panel 1 47,000.006 Conveyour belt 1 150,000.007 Hoper 1 100,000.008 Trolley 1 35,000.009 Moulds 1 350,000.0010 Platform 100,000.00

GROSS TOTAL 1,681,000.00

TOTAL 1,681,000.00

DETAILS OF PLANT AND MACHINERY WITH COST & SOURCES OF SUPPLY


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3. AVAILABILITY OF TERM LOAN FROM BANK AS PER NORMS

S. N. FIXED ASSETSMARGIN

(%) VALUE (Rs.) MARGIN (Rs.) LOAN (Rs.)

1 Machinery 25% 1681000.00 420250.00 1261000.00

TOTAL 1261000.00

ASSISTANCE REQUIRED FROM BANK 1261000.00


5/29

PRODUCTION CALCULATION

Production Capacity Of the Machine

All machines operation's produced 30 cum/per day

Production Per Month = 30 Cum *25 days

750 Cum

Production Per Year = 9000 Cum

Total MT Production At 100% capacity is 9000 Cum

CALCULATION OF INSTALLED 100% CAPACITY

#REF!


6/29

####

SR.NO. DESCRIPTION QTY. UOM RATE PER MTR.

1 All plant and machinary in operation 9000 MT 3200.00

- -

- -

Total 9000

Sales revenue at installed capacity (Rs. in Lacs)

Sr.No. Name of the item Requirement UOM RATE

1 Cement 2250000.00 Kg 5.52 Sand 1800000.00 kg 1

3 Flay Ash 3150000.00 kg 1

4 Foaming agent 13500.0 liter 110

5 Other Chemicals 13500 kg 110

6 Water 2250000 liter 0.2

TOTAL (A) 7227000 Kg

Sr.No. Name of the item Requirement UOM RATE PER UNIT

1Packing Material and Transpoertation

9000 Cum 150.00

TOTAL NO

PACKING MATERIAL COST

SALES REVENUE

RAW MATERIAL REQUIREMENT,RATE & COST


7/29

SALES

288.00

-

-

288.00

288.00

Annexure:III

Value ( In Lacs)

123.7512.60

40.95

14.85

14.85

4.50

211.50

Value ( In Lacs)

13.50

13.50


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##

Per H.P = Rs.800 per month

Sr.

No.Equipment

No.of

M/c

Total

HP

Rate per

HPMonthly Yearly

1 Mixer 1

2 Foam Genratore 1

3 Automatic water and chemical doasing system 1

4 Compressore 1

5 Digital control panel 1

6 Conveyour belt 1

Total 144000

Total Expenses on power & Fuel ( Rs. In Lacs) 1.44

Calculation of Electricity Consumption Per Year

DETAILS OF POWER & FUEL EXPENSES P.A.

15 800 12000 144000


9/29

#REF!

On Machine Operator SalaryP.M.

Total amount

Supervisor (I.T.I) 1 6000 6000Skilled worker 1 7500 7500Unskilled worker 11 4500 49500Marketing assistant 1 7000 7000Accountant 1 8000 8000

Office Assistant 1 4500 4500

16 0

032 82500

Total Annual Salary 990000

SALARY & WAGES INDIRECT/DIRECT FOR THE MONTH 82500

Total Salary Per Annum (Rs. In Lacs.) 9.90

Incremental Rate p.a. 5%

Total

DETAILS OF STAFFING PATTERN, SALARIES P.M. & P.A. & OTHER BENEFITS TO STAFF

A: Direct/Indirect Labour


10/29

#REF!

PARTICULAR Building Machinery Land TOTAL DEP

Depreciation Rate 0% 15% 0%

Value of Asset include construction. 1.20 16.81 0.00

Depreciation 0.00 2.52 0.00W.D.V. 1.20 14.29 0.00

Depreciation 0.00 2.14 0.00

W.D.V. 1.20 12.15 0.00


W.D.V. 1.20 10.32 0.00


W.D.V. 1.20 8.77 0.00


W.D.V. 1.20 7.46 0.00

DEPRECIATION

1st Year

2nd Year

3rd Year

2.52

2.14

1.82

1.55

1.325th Year

4th Year


11/29

####A. CALCULATION OF INTEREST ON TERM LOAN

1 Loan 12.61

2 Repayment term 60 Months

3 Repayment commencement Aug-124 Rate of interest 13.00%

5 No. of installment 60

6 Installment 0

7 Moratorioum Period 3 month

S.n Months YearsOpening

Balance

Re-

payment

Closing

BalanceMonthly Yearly

1 12.61 0.00 12.61 0.14

2 12.61 0.00 12.61 0.143 12.61 0.21 12.40 0.144 12.40 0.21 12.19 0.13

5 12.19 0.21 11.98 0.136 11.98 0.21 11.77 0.137 11.77 0.21 11.56 0.138 11.56 0.21 11.35 0.139 11.35 0.21 11.14 0.12

10 11.14 0.21 10.93 0.1211 10.93 0.21 10.72 0.12

12 First 10.72 0.21 10.51 0.12 1.54

13 10.51 0.21 10.30 0.11

14 10.30 0.21 10.09 0.11

15 10.09 0.21 9.88 0.1116 9.88 0.21 9.67 0.1117 9.67 0.21 9.46 0.1018 9.46 0.21 9.25 0.1019 9.25 0.21 9.04 0.1020 9.04 0.21 8.83 0.1021 8.83 0.21 8.62 0.1022 8.62 0.21 8.41 0.0923 8.41 0.21 8.20 0.09

24 Second 8.20 0.21 7.99 0.09 1.22

25 7.99 0.21 7.78 0.09

26 7.78 0.21 7.57 0.0827 7.57 0.21 7.36 0.08

28 7.36 0.21 7.15 0.0829 7.15 0.21 6.94 0.08

30 6.94 0.21 6.73 0.0831 6.73 0.21 6.52 0.0732 6.52 0.21 6.31 0.0733 6.31 0.21 6.09 0.0734 6.09 0.21 5.88 0.0735 5.88 0.21 5.67 0.06

36 Third 5.67 0.21 5.46 0.06 0.89

Interest


12/29

37 5.46 0.21 5.25 0.06

38 5.25 0.21 5.04 0.0639 5.04 0.21 4.83 0.0540 4.83 0.21 4.62 0.0541 4.62 0.21 4.41 0.0542 4.41 0.21 4.20 0.05

43 4.20 0.21 3.99 0.0544 3.99 0.21 3.78 0.04

45 3.78 0.21 3.57 0.0446 3.57 0.21 3.36 0.0447 3.36 0.21 3.15 0.04

48 Fourh 3.15 0.21 2.94 0.03 0.56

49 2.94 0.21 2.73 0.03

50 2.73 0.21 2.52 0.0351 2.52 0.21 2.31 0.0352 2.31 0.21 2.10 0.0353 2.10 0.21 1.89 0.0254 1.89 0.21 1.68 0.02

55 1.68 0.21 1.47 0.0256 1.47 0.21 1.26 0.0257 1.26 0.21 1.05 0.0158 1.05 0.21 0.84 0.0159 0.84 0.21 0.63 0.01

60 Fifth 0.63 0.21 0.42 0.01 0.23

61 0.42 0.21 0.21 0.00

62 0.21 0.21 0.00 0.00

63 Sixth 0.00 0.00 0.00 0.00 0.01

B. Interest on Bank Borrowings for working capital

1st 6.34

2nd 6.71

3rd 6.72

4th 6.72

5th 6.72

C. Interest on L T L ( unsecured deposits)

0.00

Amount of

Interest

YearAmount of

Interest

Amount of Bank

Borrowing

48.76

51.60

Rate of Interest

13.00%

13.00%

13.00%

0%10.00

51.66

51.71

51.71

Amount of LTL Rs.

Lac.

13.00%

Rate of Interest

13.00%


13/29

##

Amt.

Reqd

Margin

Money

Bank

Borr.

Amt.

Reqd

Margin

Money

Bank

Borr.

Amt.

Reqd

Margin

Money

Bank

Borr.

A

R

1 Raw Material 25 25 14.98 3.75 11.24 15.86 3.97 11.90 15.86 3.97 11.90

Less trade or. available 15 0 8.99 0.00 8.99 9.52 0.00 9.52 9.52 0.00 9.52

Actual Amt. Reqd. 10 25 5.99 1.50 4.49 6.35 1.59 4.76 6.35 1.59 4.76

2 Consumables 25 100 0.07 0.07 0.00 0.08 0.08 0.00 0.08 0.08 0.00

3 Wages & salaries Indirect 25 100 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Direct 25 100 0.83 0.83 0.00 0.87 0.87 0.00 0.91 0.91 0.00

4 Light, Power & Fuel 25 100 0.10 0.10 0.00 0.11 0.11 0.00 0.11 0.11 0.00

5 Repair & Maintenance 25 100 0.06 0.06 0.00 0.07 0.07 0.00 0.07 0.07 0.00

6 Stock of goods in process 1 25 0.64 0.16 0.48 0.68 0.17 0.51 0.68 0.17 0.51

7 Taxes & Insurance 25 100 0.10 0.10 0.00 0.07 0.07 0.00 0.09 0.09 0.00

8 Admn. Expenses 25 100 0.41 0.41 0.00 0.43 0.43 0.00 0.43 0.43 0.00

9 Misc.Factory Expenses 25 100 0.06 0.06 0.00 0.07 0.07 0.00 0.09 0.09 0.00

10 Packing Expenses 25 100 0.96 0.96 0.00 1.01 1.01 0.00 1.01 1.01 0.00

11 Stock of finished goods 25 25 17.57 4.39 13.18 18.57 4.64 13.93 18.66 4.67 14.00

12 Sales Expenses 25 100 0.41 0.41 0.00 0.43 0.43 0.00 0.43 0.43 0.00

13 Outstanding Debtors 50 25 40.80 10.20 30.60 43.20 10.80 32.40 43.20 10.80 32.4014 Others ( Contigencies) 0 100 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00

Total 68.01 19.25 48.76 71.94 20.34 51.60 72.12 20.45 51.66

Margin Money to be taken towards scheme: 19.25

33.20 8.30 24.90 35.11 8.78 26.34 35.20 8.80 26.40

-8.99 0.00 -8.99 -9.52 0.00 -9.52 -9.52 0.00 -9.52

3.00 3.00 0.00 3.14 3.14 0.00 3.23 3.23 0.00

40.80 10.20 30.60 43.20 10.80 32.40 43.20 10.80 32.40

68.01 21.50 46.51 71.94 22.72 49.22 72.12 22.83 49.29

Rs. In lacs

1st Year 2ND Year 3rd Year

ParticularsSr.No

WORKING CAPITAL REQUIREMENTS

Bank

Margin

( % )

Period

Days

STOCK

CREDITORS

PAYABLES

DRS


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##

S. No Particulars 1st Year 2 nd Year 3rd Year 4th Year 5th Year 6th Ye

A Installed Capacity 9000 MT. Per Annum

B Util.of rated capacity 85% 90% 90% 90% 90%

C No. of Shifts /day 1 1 1 1 1D No. of working days/year 300 300 300 300 300

E Manufacturing Expenses

1 Raw Material 179.78 190.35 190.35 190.35 190.35 19

2 Consumables & stores % of Raw Material 0.50% 0.90 0.95 0.95 0.95 0.95

3 Wages & Salaries i) Indirect 0.00 0.00 0.00 0.00 0.00

ii) Direct 9.90 10.40 10.91 11.46 12.03 1

4 Power & Fuel 1.22 1.30 1.30 1.30 1.30

5 Repairs & Maintenance 0.75 0.79 0.83 0.87 0.91

6 Rent, Taxes & Insurance 1.20 1.20 1.20 1.20 1.20

7 Packing and transport Exp 11.48 12.15 12.15 12.15 12.15 1

8 Adm.Exp% of sales 2.00% 4.90 5.18 5.18 5.18 5.18

9 Misc Factory exp 0.75 0.88 1.13 1.13 1.13

10 Depreciation 2.52 2.14 1.82 1.55 1.32

11 Interest

a) on term loan 1.54 1.22 0.89 0.56 0.23b) on LTL 0.00 0.00 0.00 0.00 0.00

c) on bank Borr. For w capital 6.34 6.71 6.72 6.72 6.72

12 Mgt.Remn 3.00 3.00 3.00 3.00 3.00

13 Selling exp.% of sales 2.00% 4.90 5.18 5.18 5.18 5.18

14 Preliminery and preoperative Exp w/o 0.00 0.00 0.00 0.00 0.00

14 Total ( E ) 229.16 241.44 241.61 241.60 241.66 24

15 Sales Receipt 244.80 259.20 259.20 259.20 259.20 25

16 Operating Profit 15.64 17.76 17.59 17.60 17.54 1

17 Inst. Allowance Reserve 0.00 0.00 0.00 0.00 0.00

18 Profit Before Tax (after IAR) 15.64 17.76 17.59 17.60 17.54 1

19 Less: IT rebate U/S 80HH (for identified backward areas.) 0.00 0.00 0.00 0.00 0.00

20 Inccome after 80HH 15.64 17.76 17.59 17.60 17.54 1

21 Less: IT rebate U/S 80I 0.00 0.00 0.00 0.00 0.00

22 Net Taxable Income 15.64 17.76 17.59 17.60 17.54 123 Tax to Be Lavied @ % 34% 5.26 5.98 5.92 5.92 5.91

24 Net Profit after Tax 10.37 11.78 11.67 11.68 11.64 1

25 Retained Profit 10.37 11.78 11.67 11.68 11.64 1

Net profit % 6.39 6.85 6.79 6.79 6.77

STATEMENTS OF PRODUCTION SALES & ANNUAL PROFITABILITY ( Rs. In Lacs


15/29

##

CALCULATION OF BREAK EVEN POINT

Sr. No. Particulars 1st Year 2 nd Year 3rd Year 4th Year 5th Year

At capacity utilization ( % ) 85% 90% 90% 90% 90%

A Sales Receipts 244.80 259.20 259.20 259.20 259.20

Variable Costsa) Raw Material 179.78 190.35 190.35 190.35 190.35

b) Consumable Stores/Spares 0.90 0.95 0.95 0.95 0.95

c) Power & Fuel 1.22 1.30 1.30 1.30 1.30

d) Interest on working capital / borrowings 6.34 6.71 6.72 6.72 6.72

e) Direct Wages 9.90 10.40 10.91 11.46 12.03

f) Sales Expenses 4.90 5.18 5.18 5.18 5.18

g) Packing Expenses 11.48 12.15 12.15 12.15 12.15

h) Misc. Factory Expenses 0.75 0.88 1.13 1.13 1.13

i) Administrative Exp 50% 2.45 2.59 2.59 2.59 2.59

B Total of Variable Costs 217.71 230.50 231.28 231.83 232.40

C Surplus [ A B ] 27.09 28.70 27.92 27.37 26.80

Fixed Costs:a) repair & Maintenance 0.75 0.79 0.83 0.87 0.91

b) Indirect Salaries ( Mgt & Supervisory) 0.00 0.00 0.00 0.00 0.00

c) Directors Remuneration 3.00 3.00 3.00 3.00 3.00

d) Intt. On Term Loan 1.54 1.22 0.89 0.56 0.23

e) Intt.on LTL 0.00 0.00 0.00 0.00 0.00

f) Depreciation 2.52 2.14 1.82 1.55 1.32

g) Admn. Expenses 50% 2.45 2.59 2.59 2.59 2.59

h) Taxes & Insurance 1.20 1.20 1.20 1.20 1.20

i) Prel exp 0.00 0.00 0.00 0.00 0.00

D Total of Fixed Costs 11.46 10.94 10.33 9.77 9.25

(a) Break even Point at utilized capacity ( D/C X 100) 42.28 38.12 36.99 35.69 34.53

-- Break even Point In sales 103.51 98.80 95.89 92.52 89.50

(b)Break even Point at installed capacity 35.94 34.30 33.29 32.12 31.08

TO BE CHECK IT SHOULD BE ZERO 0.00 0.00 0.00 0.00 0.00


16/29

1st 2nd 3rd 4th 5th

A Funds Available for Servicing Debts

1) Retained Profits 10.37 11.78 11.67 11.68 11.642) Depreciation 2.52 2.14 1.82 1.55 1.32

3) Intt. On Term Loan 1.54 1.22 0.89 0.56 0.23Total [ A ] 14.43 15.14 14.38 13.78 13.19

B Debts to be Serviced

1) Instalments of Loan 2.10 2.52 2.52 2.52 2.52

0.00 0.00 0.00 0.00 0.00

2) Intt. On term Loan 1.54 1.22 0.89 0.56 0.23

Total [ B ] 3.64 3.74 3.41 3.08 2.75

D.S.C.R. 3.97 4.05 4.22 4.47 4.79

Average D.S.C.R. ( A/B) 4.27

#REF!CALCULATION OF D.S.C.R.

ParticularSr.NoOPERATING YEAR


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BASIS: PROFIT AFTER TAX

PROJECT COST: 36.06LESS SUBSIDY 0.00TOTAL 36.06

YEARPROFIT AFTER

TAXDEPRECAITION

CASH

ACCRUALSCUMMULATIVE

1 10.37 2.52 12.90 12.902 11.78 2.14 13.93 26.82

3 11.67 1.82 13.49 40.314 11.68 1.55 13.22 53.545 11.64 1.32 12.95 66.49

PAY BACK PERIOD = 5 YEARS

PAY BACK PERIOD


18/29


19/29

##

13.4 CURRENT RATIO

S.N PARTICULARS 1st Year 2 nd Year 3rd Year 4th Year 5th Year

A CURRENT ASSETS

1 STOCK ON HAND 33.20 35.11 35.20 35.26 35.26

2 RECEIVABLES 40.80 43.20 43.20 43.20 43.20

3 OTHER CURRENT ASSETS 3.00 3.14 3.23 3.28 3.28

4 CASH AND BANK BALANCE 5.34 6.66 8.52 10.15 14.64

TOTAL 82.34 88.11 90.15 91.90 96.39

B CURRENT LAIBILITIES

1 SUNDRY CREDITORS 8.99 9.52 9.52 9.52 9.52

2 CASH CREDIT 48.76 51.60 51.66 51.71 51.71

TOTAL 57.74 61.11 61.18 61.23 61.23

C CURRENT RATIO 1.43 1.44 1.47 1.50 1.57AVERAGE CURRENT RATIO

13.5 DEBT EQUITY RATIO

A DEBT- Term Loan Propesed 10.51 7.99 5.46 2.94 0.42

Term Loan - Existing 0.00 0.00 0.00 0.00 0.00

Unsecured Loan - From Bank 0.00 0.00 0.00 0.00 0.00

Unsecured Laon - From Friend and Relatives 10.00 6.00 2.00 -2.00 -2.94

TOTAL 20.51 13.99 7.46 0.94 -2.52

B EQUITY (PROPRIETOR' CAPITAL) 18.37 30.16 41.83 53.50 65.14

C DEBT EQUITY RATIO (A/B) 1.12 0.46 0.18 0.02 -0.04

1.48


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##

Sr. No ParticularsConst.

Period1st 2nd 3rd 4th 5th 6th

A Sources of fundsSHARE HOLDERS FUND

Properiotor Capital 8.00 8.00 8.00 8.00 8.00 8.00 8.00

Reserve and surplus 0.00 10.37 22.16 33.83 45.50 57.14 68.64

Government subsidy 0.00 0.00 0.00 0.00 0.00 0.00 0.00Total 8.00 18.37 30.16 41.83 53.50 65.14 76.64

BORROWED FUNDS

Term loan Form Bank 12.61 10.51 7.99 5.46 2.94 0.42 0.00

Other Secured Loans 0 0.00 0.00 0.00 0.00 0.00 0.00

Unsecured Loans 10.00 10.00 6.00 2.00 -2.00 -2.94 -2.94

Total 22.61 20.51 13.99 7.46 0.94 -2.52 -2.94

Total (A) 30.61 38.88 44.14 49.29 54.44 62.62 73.70

B APPLICATION OF FUNDSFIXED ASSETS

GROSS BLOCK 16.81 16.81 16.81 16.81 16.81 16.81 16.81

Less: Acc Depreciation 0 2.52 4.66 6.49 8.04 9.35 10.47

Net Block 16.81 14.29 12.15 10.32 8.77 7.46 6.34Capital work in progress 0 0.00 0.00 0.00 0.00 0.00 0.00

TOTAL 16.81 14.29 12.15 10.32 8.77 7.46 6.34

CURRENT ASSETS

Inventory 33.20 35.11 35.20 35.26 35.26 35.26

Sundry Debtors 40.80 43.20 43.20 43.20 43.20 43.20

Loans and advances 0.00 5.00 10.00 15.00 20.00 25.00

Other current Assets 3.00 3.14 3.23 3.28 3.28 3.28

Cash and Bank Balance 13.80 5.34 6.66 8.52 10.15 14.64 21.83

TOTAL 13.80 82.34 93.11 100.15 106.90 116.39 128.58

LESS Sundry creditors and Other liabilities 8.99 9.52 9.52 9.52 9.52 9.52

LESS Working Capital Loan 48.76 51.60 51.66 51.71 51.71 51.71

Net Curent Assets 13.80 24.59 32.00 38.97 45.67 55.16 67.36

NON CURENT ASSETSInvestment

Misc Expenses 0.00 0.00 0.00 0.00 0.00 0.00 0.00

TOTAL 0.00 0.00 0.00 0.00 0.00 0.00 0.00

TOTAL ASSETS 30.61 38.88 44.14 49.29 54.44 62.62 73.70

BALANCE SHEET


21/29

7th

8.00

79.79

0.0087.79

0.00

0.00

-2.94

-2.94

84.85

16.81

11.42

5.390.00

5.39

35.26

43.20

30.00

3.28

28.94

140.69

9.52

51.71

79.46

0.00

0.00

84.85


22/29

Rupees in lacs

1st` year 2nd 3rd 4th 5th

#REF! #REF! #REF! #REF! #REF!

12 12 12 12 12 12

Operating statement

i. Domestic sale #REF! 244.80 259.20 259.20 259.20 259.20

ii.Export sale - - - - - -

1 Total gross sales #REF! 244.80 259.20 259.20 259.20 259.20

2 Less : Excise duty - - - - - -

3 Net sales (1-2) #REF! 244.80 259.20 259.20 259.20 259.20

4 Growth in sales #REF! #REF! 6% 0% 0% 0%

Cost of sales

5 a. Raw material (Imported ) - - - - - -

b. Raw material (Indigenous) #REF! 212.97 192.27 190.44 190.41 190.35

c. Packing Material - - - - - -

5a Job Work #REF! - - - - -

6 Power & fuel #REF! 1.22 1.30 1.30 1.30 1.30

7 Direct labour #REF! 9.90 10.40 10.91 11.46 12.03

8 Milgin other exp. #REF! 0.90 0.95 0.95 0.95 0.95

9 other Manuf. Exp. #REF! 0.75 0.88 1.13 1.13 1.13

10 Depreciation #REF! 2.52 2.14 1.82 1.55 1.32

Sub Total #REF! 228.26 207.93 206.55 206.79 207.07

11

#REF! - 14.98 15.86 15.86 15.86

Sub Total #REF! 228.26 222.91 222.41 222.65 222.94

12 Deduct : Closing stock of raw material #REF! 14.98 15.86 15.86 15.86 15.86

Cost of production #REF! 213.28 207.05 206.55 206.79 207.07

13 Add: Opening stock of goods #REF! - 18.21 19.25 19.34 19.40

Sub Total #REF! 213.28 225.26 225.80 226.13 226.47

14 Deduct : Closing stock of goods #REF! 18.21 19.25 19.34 19.40 19.40

Sub Total (Total cost of sales) #REF! 195.07 206.01 206.46 206.73 207.07

15 Gross profit #REF! 52.25 55.33 54.56 54.02 53.44

Gross profit/ Sales #REF! 21% 21% 21% 21% 21%

16 Selling & Admn.expenses #REF! 4.90 5.18 5.18 5.18 5.18

17 Administrative expenses #REF! 9.85 10.17 10.21 10.25 10.30

Sub Total #REF! 209.81 221.37 221.85 222.17 222.5518 Operating profit before interest #REF! 34.99 37.83 37.35 37.03 36.65

a.Interest on CC #REF! 6.34 6.71 6.72 6.72 6.72

b.Interest on TL #REF! 1.54 1.22 0.89 0.56 0.23

c.Other interests - - - - - -

19 Total interest #REF! 7.88 7.92 7.60 7.28 6.95

20 Operating profit after interest #REF! 27.11 29.91 29.74 29.75 29.69

21 Add: Other non operating income

a.Interest/Dividend/Royalties etc.. - - - - - -

b.Other income - - - - - -

Sub Total - - - - - -

22 Deduct other non operating expenses

a.Interest/Dividend/Royalties etc.. - - - - - -

b.Other expenses - - - - - -

c.Intangibles written off -1 - - - - - -Sub Total - - - - - -

23Net of other non operating

Income/Expenses- - - - - -

24 Profit/(Loss) before tax (PBT) #REF! 27.11 29.91 29.74 29.75 29.69

25 Provision for taxes #REF! 5.26 5.98 5.92 5.92 5.91

26 Profit/(Loss) after tax (PAT) #REF! 21.85 23.93 23.82 23.83 23.79

27 Cash accruals #REF! 24.37 26.08 25.64 25.37 25.10

28 Drawing/ Dividend - - - - - -

29 Retained profit #REF! 21.85 23.93 23.82 23.83 23.79

30 Retained cash profits #REF! 24.37 26.08 25.64 25.37 25.10

30 RM content in sales #REF! 77% 74% 73% 73% 73%

31 PBDIT/Sales #REF! 15.32% 15.42% 15.11% 14.88% 14.65%

32 Operating profit/Sales #REF! 11.08% 11.54% 11.47% 11.48% 11.46%

33 PBT/Sales #REF! 11.08% 11.54% 11.47% 11.48% 11.46%34 PAT/Sales #REF! 8.93% 9.23% 9.19% 9.19% 9.18%

35 Cash accruals/ Sales #REF! 9.96% 10.06% 9.89% 9.79% 9.69%

ASSESSMENT OF WORKING CAPITAL REQUIREMENTS

OPERATING STATEMENT

#REF!

Particulars

Years

Operating months


23/29

#REF!

Rupees in lacs



LIABILITIES

CURRENT LIABILITIES

1Short term loans from applicant

bank including BP & BD#REF! 48.76 51.60 51.66 51.71 51.71

Short term loans from other banks

including BP &BD- - - - - -

Sub Total (A) #REF! 48.76 51.60 51.66 51.71 51.71

2 Short term borrowings from others - #REF! #REF! #REF! #REF! #REF!

3 Sundry creditors (trade) #REF! 8.99 9.52 9.52 9.52 9.52

4 Advance payment from customers - - - - - -

5 Net provision for taxation (if positive) #REF! - - - - -

6 Dividend payable - - - - - -

7 Other statutory liabilities (due within one year - - - - - -

8 Overdue term liabilities

9

Installments of term loan/ DPGs/

Deposits/ debentures due within

next year

- 2.10 2.52 2.52 2.52 2.52 0.42

10Other current liabilities &

provisions (due with in one year)#REF! #REF! #REF! #REF! #REF! #REF!

11 Sub Total (B) - #REF! #REF! #REF! #REF! #REF! #REF!

12 TOTAL CURRENT LIABILITIES #REF! #REF! #REF! #REF! #REF! #REF!

TERM LIABILITIES

13 Debentures (not maturing within one year)

14 Term loan from bank (less next year installme 2.10- 7.99 5.46 2.94 0.42 0.00

14

Term loan from other

banks/Inst.(excluding installment

due next year)

15

Deferred payments credits

(excluding installment due next

year)16 Term deposits (excluding installment due next year)

17 Other term liabilities - 10.00 6.00 2.00 2.00- 2.94-

18 TOTAL TERM LIABILITIES 2.10- 17.99 11.46 4.94 1.58- 2.94-

19 TOTAL OF OUTSIDE LIABILITIES #REF! #REF! #REF! #REF! #REF! #REF!

NET WORTH

20 capital #REF! 8.00 8.00 8.00 8.00 8.00

21 General reserve - 10.37 22.16 33.83 45.50 57.14

22 Revaluation reserve - - - - - -

23 Net Surplus #REF! - - - - -

24 Drawing/ADDITION #REF! - - - - -

24 NET WORTH #REF! 18.37 30.16 41.83 53.50 65.14

25 TOTAL LIABILITIES (18+24) #REF! #REF! #REF! #REF! #REF! #REF!

LIABILITIES

ANALYSIS OF BALANCE SHEET


24/29

#REF!

Rupees in lacs



26 #REF! 5.34 6.66 8.52 10.15 14.64

27 - - - - - -

28 #REF! #REF! #REF! #REF! #REF! #REF!

29 #REF! 40.80 43.20 43.20 43.20 43.2030 - - - - - -

31 - - - - - -

32 - - - - - -

33 #REF! 14.98 15.86 15.86 15.86 15.86

34 - - - - - -

35 #REF! 18.21 19.25 19.34 19.40 19.40

36 - - - - - -

37 - - - - - -

38 - - - - - -

39 - - - - - -

40 #REF! 3.00 3.14 3.23 3.28 3.28


42 #REF! #REF! #REF! #REF! #REF! #REF!43 #REF! 16.81 #REF! #REF! #REF! #REF!

44 Depreciation to date #REF! #REF! #REF! #REF! #REF! #REF!

45 #REF! 14.29 12.15 10.32 8.77 7.46

46

- - - - - -

- - 5.00 10.00 15.00 20.00

- - - - - -

d. Deferred receivables (maturing after a year) - - - - - -

- - - - - -

- - - - - -

- - - - - -

TOTAL OTHER NON CURRENT ASSETS - - 5.00 10.00 15.00 20.00

47

- - - - - -- - - - - -

- - - - - -

- - - - - -


49 #REF! 18.37 30.16 41.83 53.50 65.14


Movement of TNW

Opening TNW #REF! #REF! 18.37 30.16 41.83 53.50

Plough back of profit #REF! 21.85 23.93 23.82 23.83 23.79

Increase in capital/reserves #REF! #REF! 12.15- 12.15- 12.15- 12.15-

Intangibles written off #REF! - - - - -

Less Increase in Revaluation Reserve - - - - - -

Closing TNW #REF! 18.37 30.16 41.83 53.50 65.14

#REF! #REF! #REF! #REF! #REF! #REF!

#REF! 0.98 0.38 0.12 0.03- 0.05-




#REF! 110 110 110 110 110

Export receivables including BP/BD)

Imported raw material

Indigenous rawmaterial

e. Other non-current investments

ANALYSIS OF BALANCE SHEET

Govt. & other trustee securities

Fixed deposits with banks & Investment

CURRENT ASSETS

Cash & bank balances

ASSETS

ASSETS

Domestic receivables including BP/BD

Deferred receivables (due within one year)

OTHER NON CURRENT ASSETS

a. Investments in sub. cos./ affiliates

Indigenous consumables

Advances to suppliers

f. Non consumable stores & spares

c. Advance to suppliers of capital goods &

Net advance payment of taxes (if positive)

Other current assets (Deffered tax assets)

b. Investment in others

Stock in process

Finished goods

Imported consumables

c. Other intangibles (patents, goodwill, etc.)

TANGIBLE NET WORTH (TNW)

TOTAL CURRENT ASSETS

FIXED ASSETS

Intangible Assets

a. Preliminary expenses

Gross block (land & building, machinery)Add: Capital expenditure in wirk-in-process

Net Block

b. Deffered revenue expenditures

g. Long oustanding dues & other non current

e. Dispute Custom/Excise/ Tax Liabilities

f. Other Liabilities not provided for

a. Arrears of Depreciation

b. Contingent Liabilities

d. Gratuity Liability not Provided for

c. Arrears of Cumulative Dividends

Inentory+Receivables as days of net sales

Debt/Equity

Total Intangible Assets

Current assets/Tangible assets

ROCE(PBDIT incl.other income/TTA)

ADDITIONAL INFORMATION

TOL/Equity

NET WORKING CAPITAL (NWC)

Current Ratio

TOTAL ASSETS


25/29

#REF!

Rupees in lacs



WORKING CAPITAL ASSESSMENT

- - - - - -

#REF! 26.00 30.00 30.00 30.00 30.00

- - - - - -#REF! - - - - -

#REF! - - - - -

#REF! 34 34 34 34 34

#REF! 33.20 35.11 35.20 35.26 35.26

#REF! 49 49 50 50 50

#REF! 61 61 61 61 61

- - - - - -

#REF! 40.80 43.20 43.20 43.20 43.20

#REF! 30 61 61 61 61

#REF! 15 18 18 18 18



Other Curr. Liab.% of Current Assets #REF! #REF! #REF! #REF! #REF! #REF!



0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

By MPBS Method

Total current assets #REF! #REF! #REF! #REF! #REF! #REF!

Other current liabilities #REF! #REF! #REF! #REF! #REF! #REF!

Working capital gap #REF! #REF! #REF! #REF! #REF! #REF!Net working capital #REF! #REF! #REF! #REF! #REF! #REF!

25% margin over current assets #REF! #REF! #REF! #REF! #REF! #REF!

Bank finance #REF! #REF! #REF! #REF! #REF! #REF!

WORKING CAPITAL / BANK BORROWING ASSESSMENTS

Sundry Cr. % of Current Assets

Stock of Imported RM -Days Consumption

Financed by

Total Receivables

Total Receivables/Gross Sales (days)

Total Current Assets

Export Receivables - (Days Exports)

Indiginous Consumables - (Days Consumption

Total Inventory

Stock in process- (Days of Cost of Production)

Bank Finance % of Current Assets

NWC % to Current Assets

Creditors - (days Consumption)

Finished Goods - (Days Cost of Sales)

Domestic receivables (Days Gross dom.Sales)

Total Inventory/Sales (days)

Stock of Indiginous RM - Days Consumption

Imported Consumables - (Days Consumption)


26/29

#REF!

Rupees in lacs

Particulars 1st` year 2nd 3rd 4th 5th


FUND FLOW ANALYSIS

1 LONG TERM SOURCES

Profit after tax #REF! 21.85 23.93 23.82 23.83 23.79

Depreciation #REF! #REF! #REF! #REF! #REF! #REF!

Intangibles written off #REF! - - - - -

Increase in capital and reserves #REF! #REF! - - - -

Increase in term liability #REF! 22.61 - - - -

Decrease in fixed assets #REF! #REF! #REF! #REF! #REF! #REF!

#REF! - - - - -


2 LONG TERM USES

Net loss #REF! #REF! - - - -

Increase in intangibles - - - - - -

#REF! #REF! 12.15 12.15 12.15 12.15

Term loan repayments #REF! 2.10 2.52 2.52 2.52 2.52

Decrease in Long Term Unsec. Loans - - 4.00 4.00 4.00 0.94

Increase in fixed assets #REF! #REF! #REF! #REF! #REF! #REF!

- - 5.00 5.00 5.00 5.00

Increase in intangibles

Dividend paid/Drawing - - - - - -


Surplus/ Deficit #REF! #REF! #REF! #REF! #REF! #REF!

1 SHORT TERM SOURCES

Increase in bank borrowings #REF! #REF! 2.84 0.07 0.04 -


Decrease in inventory #REF! #REF! - - - -

Decrease in receivables #REF! #REF! - - - -


#REF! #REF! - - - -


2 SHORT TERM USES

Increase in inventory #REF! #REF! 1.92 0.09 0.06 -

Increase in receivables #REF! #REF! 2.40 - - -#REF! #REF! #REF! #REF! #REF! #REF!

Increase in other current assets #REF! #REF! 0.14 0.09 0.06 -


Decrease in bank borrowings #REF! #REF! - - - -


Summary of fund flow analysis

Long term sources #REF! #REF! #REF! #REF! #REF! #REF!

Long term uses #REF! #REF! #REF! #REF! #REF! #REF!

Surplus /Deficit (i-ii) #REF! #REF! #REF! #REF! #REF! #REF!

Short term sources #REF! #REF! #REF! #REF! #REF! #REF!

Short term uses #REF! #REF! #REF! #REF! #REF! #REF!

Surplus /Deficit (iii-iv) #REF! #REF! #REF! #REF! #REF! #REF!

Difference #REF! #REF! #REF! #REF! #REF! #REF!

Decrease in other current assets

Increase in cash/Deposits/Govt Sec.

Decrease in other non current assets

Increase in other current liability

Decrease in other current liability

Decrease in Cash/Deposits/Govt Sec.

FUND FLOW ANALYSIS

Decrease in capi.and reserves/ Share buyback

Increase in non-current assets


27/29

#REF!

Rupees in lacs

Particulars Veriable % 1st` year 2nd 3rd 4th 5th


BREAK EVEN POINT

Sales 244.80 259.20 259.20 259.20 259.20

Variable cost

i. Raw material 100.00% 212.97 192.27 190.44 190.41 190.35

ii. Consumables(Job Work) 100.00% - - - - -

iii.Direct labour 90.00% 8.91 9.36 9.82 10.31 10.83iv.Power & fuel 80.00% 0.98 1.04 1.04 1.04 1.04

v.Selling expenses(Transportation& 90.00% 1.48 1.64 1.87 1.87 1.87

vi.Other variable costs

Total variable costs 224.34 204.30 203.17 203.63 204.09

Add: Opening Stock of goods 0.00 33.20 35.11 35.20 35.26

Less: Closing Stock Of Goods 33.20 35.11 35.20 35.26 35.26

Total variable costs of Production 191.15 202.39 203.08 203.57 204.09

Percent of sales 78% 78% 78% 79% 79%

Fixed costs 26.54 26.90 26.38 25.88 25.42

Break even level of sales 121.09 122.74 121.84 120.58 119.55

Percentage to sales 49% 47% 47% 47% 46%

Cash braeak even of sales 109.58 112.96 113.42 113.37 113.36

45% 44% 44% 44% 44%

Sensitivity Analysis

If Sales go down by 5%

Sales (when down by) 5% 244.68 259.07 259.07 259.07 259.07

Veriable costs if sales go down by 5% 191.05 202.29 202.98 203.47 203.98

Contribution 53.62 56.79 56.09 55.60 55.09

BEP If Sales go down by 5% 121.09 122.74 121.84 120.58 119.55

% to Sales 49% 47% 47% 47% 46%

If RM cost goes up by 5%

Sales 244.80 259.20 259.20 259.20 259.20

Veriable cost( RM goes up by) 5% 191.25 202.48 203.17 203.67 204.18

Contribution 53.55 56.72 56.03 55.53 55.02

BEP if RM cost goes up by 5% 121.33 122.95 122.04 120.79 119.76

% to Sales 50% 47% 47% 47% 46%

If Other Veriable costs up by 5%

Sales 244.80 259.20 259.20 259.20 259.20

Other Veriable Cost up by 5% 190.06 202.89 203.71 204.23 204.77

Contribution 54.74 56.31 55.49 54.97 54.43

BEP If Variable Expn. Go up by 5% 118.67 123.84 123.22 122.03 121.06

% Sales 48% 48% 48% 47% 47%

CALCULATION OF BREAK EVEN LEVELS


28/29

#REF!



RATIOS

1 Growth in sales #REF! #REF! 6% 0% 0% 0%

2 Gross profit ratio #REF! 21% 21% 21% 21% 21%

3 PBDIT/sales #REF! 15.32% 15.42% 15.11% 14.88% 14.65%

4 Operating profits/Sales #REF! 15.32% 15.42% 15.11% 14.88% 14.65%

5 PBT/Sales #REF! 11.08% 11.54% 11.47% 11.48% 11.46%6 PAT/Sales #REF! 8.93% 9.23% 9.19% 9.19% 9.18%

7 Cash accruals/ Sales #REF! 9.96% 10.06% 9.89% 9.79% 9.69%

8 Sales/Equity #REF! 13.32 8.60 6.20 4.84 3.98

9 Sales / TTA #REF! #REF! #REF! #REF! #REF! #REF!

10 #REF! 20.99% 19.82% 19.41% 18.88% 18.32%

11 PBDIT / Interest (Times) #REF! 4.76 5.05 5.15 5.30 5.46

12 Deferred debt/ Equity #REF! 0.98 0.38 0.12 0.03- 0.05-

12a Debt/ Equaty Ratio #REF! #REF! #REF! #REF! #REF!

13 TOL/Equity #REF! #REF! #REF! #REF! #REF! #REF!

14 Current ratio (CA / CL) #REF! #REF! #REF! #REF! #REF! #REF!


16 CA / TTA (%) #REF! #REF! #REF! #REF! #REF! #REF!

17 #REF! 110 110 110 110 110

18 #REF! #REF! #REF! #REF! #REF! #REF!19 #REF! 76.61% 73.63% 73.45% 73.44% 73.44%


21 Debt Service Coverage Ratio Calculations

Cash accruals #REF! 24.37 26.08 25.64 25.37 25.10

Interest on TL / Deffered Loans #REF! 1.54 1.22 0.89 0.56 0.23

Repayment Obligations of TL - 2.10 2.52 2.52 2.52 2.52

- - - - - -

Total Repayment #REF! 3.64 3.74 3.41 3.08 2.75

#REF! 11.60 10.34 10.17 10.06 9.95

#REF! 7.12 7.30 7.78 8.41 9.20

22 Security Coverage Ratio

Net Block #REF! 14.29 12.15 10.32 8.77 7.46

- 10.51 7.99 5.46 2.94 0.42

0% 26% 34% 47% 66% 94%

23 Security cover including Collateral Security

#REF! 26% 34% 47% 66% 94%

Current Ratio excluding TL Instalments

Inentory+Receivables as days of net sales

Interest coverage (Interest/PBDIT)

RATIO ANALYSIS

Bank borrowings/Current assetsRM content in sales

Security Cover avilable ((NB+Collaeral-TL)/N

Net Debt Service Coverage Ratio (DSCR)

Gross Debt Service Coverage Ratio (DSCR)

Term Loan outstanding (including instalments

Security Cover avilable (NB-TL/NB)

ROCE(PBDIT incl.Other income/TTA)

Repayment of other deffered Loans


29/29

#REF!



#REF! 244.80 259.20 259.20 259.20 259.20

#REF! 27.11 29.91 29.74 29.75 29.69

- - - - - -

#REF! 15.32% 15.42% 15.11% 14.88% 14.65%

#REF! 11.08% 11.54% 11.47% 11.48% 11.46%

#REF! 21.85 23.93 23.82 23.83 23.79#REF! 8.93% 9.23% 9.19% 9.19% 9.18%

#REF! 24.37 26.08 25.64 25.37 25.10

#REF! 9.96% 10.06% 9.89% 9.79% 9.69%

#REF! 8.00 8.00 8.00 8.00 8.00

#REF! 18.37 30.16 41.83 53.50 65.14






#REF! 88.92% 88.46% 88.53% 88.52% 88.54%


#REF! 110 110 110 110 110


Net Sales

KEY INDICATORS

TNW

PBT/Sales

PAT

Operating Profit

(Net) Other income

PBDIT/Sales

Cash Accruals/Sales

Paid up Capital

PAT/Net Sales

Cash Accruals

C/R

TOL/TNW

Inv + Rec. /N.S. (DAYS)

C/R excluding T/L instalments due in 1 year

END OF THE REPORT

Net Sales/TTA (Times)

PBT/TTA (%)

Operating costs/sales(%)

Bank Finance / Current Assets (%)

NWC / CA (%)

Date post:	14-Apr-2018
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Proforma Project Report For Getting Bank Loan

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