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M/S MULTI CARBO

PROP: R LAKSHMAN
DABASPET INDUSTRIAL AREA, SOMPURA HOBLI
BANGALORE RURAL

PROJECT COST IN LAKHS


SOURCE OF FINANCE AMOUNT
1. LAND 5.00
2. BUILDING 5.00
3. VEHICLES 0.50
4. WORKING CAP MARGIN 5.00
5. PRE-COMMERCIAL EXPENSES 1.00
6. DEPOSITS & OTHERS 1.00
7. FURNITURE & FIXTURES 2.00
TOTAL Rs. 19.50

MEANS OF FINANCE AMOUNT


1. PROP CONTRIBUTION 14.50
2. LOAN FROM BANK 5.00
3. WORKING CAPITAL LOAN -
TOTAL Rs. 19.50
M/S MULTI CARBO
PROP: R LAKSHMAN
DABASPET INDUSTRIAL AREA, SOMPURA HOBLI
BANGALORE RURAL

3.9 14.625

16 (11.00)
PROJECT REPORT

PROJECT At GLANCE
1. NAME :

2. ADDRESS :

3. CONSTITUTION : INDIVIDULA

4. PROMOTER'S DETAILS : ENCLOSED

5. ACTIVITY : Photo Studio, DTP & Zerox Centre

6. PROJECT COST : 5.00

7. MEANS OF FINANCE
OWN CAPITAL 5.00
UNSECURED LOANS -
WORKING CAPITAL LOAN -
5.00

8. WORKING CAPITAL REQUREMENT -

9. FINANCIAL HIGHLIGHTS
PARTICULARS YEAR I YEAR II YEAR III YEAR IV YEAR V
SALES 20.00 22.00 24.20 26.62 29.28
NET PROFIT AFTER TAX 5.69 6.52 7.46 8.47 9.58
RETAINED PROFIT 1.91 2.36 2.84 3.38 3.93
BREAK EVEN POINT 26.56 23.45 20.41 17.81 15.49
CURRENT RATIO 2.59 2.50 2.65 3.26 3.83
DEBT EQUITY RATIO 0.26 0.18 0.11 0.05 0.05
DSCR 0.32 0.35 0.39 0.44 0.48
PROJECTED TRADING & PROFIT & LOSS ACCOUNT
Rs In Lakhs
PARTICULARS YEAR I YEAR II YEAR III YEAR IV YEAR V
A. SALES 20.00 22.00 24.20 26.62 29.28
OPENING STOCK - - - - -
PURCHASES 9.50 10.45 11.50 12.64 13.91
GOODS AVAILABLE FOR SALE 9.50 10.45 11.50 12.64 13.91
LESS: CLOSING STOCK - - - - -
Other Indirect Income 0.50 0.55 0.61 0.68 0.75
WAGES & TRANSPORTATION 2.50 2.75 3.03 3.33 3.66
OTHER DIRECT EXPNS 0.50 0.55 0.61 0.67 0.73

B. COST OF GOODS SOLD 12.50 13.75 15.13 16.64 18.30


C. GROSS PROFIT (A-B) 8.00 8.80 9.68 10.66 11.73
INTEREST ON TERM LOAN 0.53 0.45 0.33 0.21 0.08
INTEREST ON WORKING CAPITAL - - - - -
D. TOTAL INTEREST 0.53 0.45 0.33 0.21 0.08
E. DEPRECIATION 0.53 0.48 0.44 0.41 0.37
F. LOCAL TAX 0.25 0.25 0.25 0.25 0.25
G. INSURANCE PREMIUM 0.10 0.10 0.10 0.10 0.10
H. OTHER SELLING, GENERAL &
ADMINISTRATIVE EXPNS 0.75 0.83 0.91 1.00 1.10
I. PROFIT BEFORE TAX 5.84 6.69 7.65 8.69 9.82
J. PROVISION FOR TAX 0.15 0.17 0.19 0.22 0.25
K. NET PROFIT AFTER TAX 5.69 6.52 7.46 8.47 9.58

APPROPRIATION OF PROFIT AND BUILDING UP OF RESERVES


N. NER PROFIT BEFORE TAX 5.84 6.69 7.65 8.69 9.82
O. PROVISION FOR TAX 0.15 0.17 0.19 0.22 0.25
P. REPAYMENT OF TERM LOAN 0.79 0.87 0.99 1.11 1.26
Q. DRAWINGS 3.00 3.30 3.63 3.99 4.39
R. TRANSFER TO RESERVES 1.91 2.36 2.84 3.38 3.93
S. CUMULATIVE RESERVES 1.91 4.27 7.10 10.48 14.41
BREAK EVEN ANALYSIS
PARTICULARS YEAR I YEAR II YEAR III YEAR IV YEAR V
FIXED COST
INTEREST ON LOAN 0.53 0.45 0.33 0.21 0.08
DEPRECIAITON 0.53 0.48 0.44 0.41 0.37
LOCAL TAX 0.25 0.25 0.25 0.25 0.25
INSURANCE PREMIUM 0.10 0.10 0.10 0.10 0.10
20% OF WAGES 0.50 0.55 0.61 0.67 0.73
20% OF GENERAL EXPNS 0.15 0.17 0.18 0.20 0.22
TOTAL 2.06 2.00 1.91 1.84 1.76
NET PROFIT 5.69 6.52 7.46 8.47 9.58
FIXED COST + NET PROFIT 7.75 8.52 9.37 10.31 11.33
BREAK EVEN POINT 26.56 23.45 20.41 17.81 15.49
-
PROJECTED BALANCE SHEET

PARTICULARS YEAR I YEAR II YEAR III YEAR IV YEAR V


FIXED ASSETS
GROSS BLOCK 7.50 6.98 6.49 6.05 5.65
LESS: DEPRECIATION 0.53 0.48 0.44 0.41 0.37
NET BLOCK (A) 6.98 6.49 6.05 5.65 5.27

NON CURRENT ASSETS


DEPOSIT 2.50 2.50 2.50 2.50 2.50
INVESTMENTS 2.82 5.44 7.24 9.59
TOTAL NON CURRENT ASSETS (B) 2.50 5.32 7.94 9.74 12.09
NET WORKING CAPITAL
CURRENT ASSETS
ADVANCES 1.00 1.10 1.21 1.33 1.46
SUNDRY DEBTORS 2.00 2.20 2.42 2.66 2.93
OTHER CURRENT ASSETS 0.50 0.55 0.61 0.67 0.73
CASH IN HAND & BANK 1.56 1.51 2.03 3.80 5.80
CLOSING STOCK - - - - -
TOTAL CURRENT ASSETS ( C ) 5.06 5.36 6.26 8.46 10.92
CURRENT LIABILITIES
CREDITROS FOR GOODS 0.95 1.05 1.15 1.26 1.39
PRFOVISIONS 1.00 1.10 1.21 1.33 1.46
BANK CASH CREDIT - - - - -
TOTAL CURRENT LIABILITIES (D) 1.95 2.15 2.36 2.60 2.85
NET CURRENT ASSETS (C-D=E) 3.11 3.21 3.90 5.86 8.07
TOTAL NER ASSETS (A+B+E) 12.59 15.02 17.89 21.25 25.43

FINANCED BY
CAPITAL 14.50 14.50 14.50 14.50 14.50
RESERVES 1.91 4.27 7.10 10.48 14.41
LOAN FROM BANK 4.21 3.35 2.36 1.25 (0.00)
TERM LOAN FROM BANK - - - - -
TOTAL 20.62 22.11 23.97 26.24 28.90

8.04 7.09 6.07 4.99 3.47


-

-
COMPUTATION OF WORKING CAPITAL
PARTICULARS YEAR I YEAR II YEAR III YEAR IV YEAR V
ON THE BASIS OF SECOND METHOD OF LENDING
1. TOTAL CURRENT ASSETS 5.06 5.36 6.26 8.46 10.92
2. CURRENT LIABILITES &
OTHER BANK BORROWING 1.95 2.15 2.36 2.60 2.85
3. WORKING CAPITAL GAP 3.11 3.21 3.90 5.86 8.07
4. MARGIN- 25% OF C ASSETS 1.27 1.34 1.57 2.11 2.73
5. NET WORKING CAPITAL 3.11 3.21 3.90 5.86 8.07
6. (3) - (4) 1.85 1.87 2.34 3.75 5.34
7. (3) - (5) - - - - -
A. WORKING CAPITAL TO BE
SANCTIONED
{(6) OR (7) WHICHEVER IS LESS - - - - -

ON THE BASIS OF TURN OVER METHOD


8. NET SALES 20.00 22.00 24.20 26.62 29.28
9. W C REQUIREMENT
25% OF NET SALES 5.00 5.50 6.05 6.66 7.32
10. MARGIN ON WORKING CAPITAL
20% W C REQUIREMENT 1.00 1.10 1.21 1.33 1.46
B. W C TO BE SANCTIONED 4.00 4.40 4.84 5.32 5.86
12. (9) - (5) 1.89 2.29 2.15 0.79 0.75
B. W C TO BE SANCTIONED
[(11) OR (12) WHICHEVER IS LESS] 1.89 2.29 2.15 0.79 0.75
W C TO BE SANCTIONED BY BANK
[HIGHER OF (A) OR (B) 1.89 2.29 2.15 0.79 0.75
IMPORTANT RATIOS
PARTICULARS YEAR I YEAR II YEAR III YEAR IV YEAR V
DEBT SERVICE COVERAGE RATION
NET PROFIT AFTER TAX 5.69 6.52 7.46 8.47 9.58
DEPRECIATION 0.53 0.48 0.44 0.41 0.37
INTEREST ON TERM LOAN 0.53 0.45 0.33 0.21 0.08
L. TOTAL 6.75 7.46 8.23 9.09 10.03
INTEREST ON TERM LOAN 0.53 0.45 0.33 0.21 0.08
M. REPAYMENT OF TERM LOAN 20.64 20.64 20.64 20.64 20.64
M TOTAL 21.17 21.09 20.97 20.85 20.72
DSCR 0.32 0.35 0.39 0.44 0.48

LIQUIDITY
CURRENT RATIO 2.59 2.50 2.65 3.26 3.83
QUICK RATIO 2.08 1.98 2.14 2.75 3.31

TURN OVER
INVENTORY - - - - -
DEBTORS TURN OVER 8.00 8.00 8.00 8.00 8.00

SOLVENCY
DEBT EQUITY RATIO 0.26 0.18 0.11 0.05 (0.00)
DEPRECIATION
NAME OF ASSETS ORIGINAL VALUE RATE YEAR I YEAR II YEAR III YEAR IV YEAR V
VEHICLE 0.50 15% 0.08 0.06 0.05 0.05 0.04

BUILDING 5.00 5% 0.25 0.24 0.23 0.21 0.20

FURNITURE & FIXTURES 2.00 10% 0.20 0.18 0.16 0.15 0.13

0 - - - - -

TOTAL DEPRECIATION 7.50 0.30 0.53 0.48 0.44 0.41 0.37

DEPRECIATED VALUE OF ASSETS


NAME OF ASSETS INITIAL COST YEAR I YEAR II YEAR III YEAR IV YEAR V
VEHICLE 0.50 0.43 0.36 0.31 0.26 0.22

BUILDING 5.00 4.75 4.51 4.29 4.07 3.87

FURNITURE & FIXTURES 2.00 1.80 1.62 1.46 1.31 1.18

TOTAL 7.50 6.98 6.49 6.05 5.65 5.27


REPAYMENT OF TERM LOAN
END OF REPAYMENT OF REPAYMENT OF
YEAR INTEREST EMI BALANCE
MONTH INTEREST PRINCIPAL

I - 5.00
1 0.05 0.05 0.06 0.11 4.94
2 0.05 0.05 0.06 0.11 4.88
3 0.05 0.05 0.06 0.11 4.81
4 0.05 0.05 0.06 0.11 4.75
5 0.05 0.05 0.06 0.11 4.68
6 0.04 0.04 0.07 0.11 4.62
7 0.04 0.04 0.07 0.11 4.55
8 0.04 0.04 0.07 0.11 4.49
9 0.04 0.04 0.07 0.11 4.42
10 0.04 0.04 0.07 0.11 4.35
11 0.04 0.04 0.07 0.11 4.28
12 0.04 0.04 0.07 0.11 4.21
0.53 0.53 0.79 -

II 13 0.04 0.04 0.07 0.11 4.14


14 0.04 0.04 0.07 0.11 4.07
15 0.04 0.04 0.07 0.11 4.00
16 0.04 0.04 0.07 0.11 3.93
17 0.04 0.04 0.07 0.11 3.86
18 0.04 0.04 0.07 0.11 3.79
19 0.04 0.04 0.07 0.11 3.72
20 0.04 0.04 0.07 0.11 3.65
21 0.04 0.04 0.07 0.11 3.57
22 0.04 0.04 0.07 0.11 3.50
23 0.03 0.03 0.08 0.11 3.42
24 0.03 0.03 0.08 0.11 3.35
0.45 0.45 0.87 1.32

III 25 0.03 0.03 0.08 0.11 3.27


26 0.03 0.03 0.08 0.11 3.19
27 0.03 0.03 0.08 0.11 3.11
28 0.03 0.03 0.08 0.11 3.03
29 0.03 0.03 0.08 0.11 2.95
30 0.03 0.03 0.08 0.11 2.87
31 0.03 0.03 0.08 0.11 2.79
32 0.03 0.03 0.08 0.11 2.70
33 0.03 0.03 0.08 0.11 2.62
34 0.03 0.03 0.08 0.11 2.53
35 0.02 0.02 0.09 0.11 2.45
36 0.02 0.02 0.09 0.11 2.36
0.33 0.33 0.99 1.32
END OF REPAYMENT OF REPAYMENT OF
YEAR INTEREST EMI BALANCE
MONTH INTEREST PRINCIPAL

IV 37 0.02 0.02 0.09 0.11 2.27


38 0.02 0.02 0.09 0.11 2.18
39 0.02 0.02 0.09 0.11 2.10
40 0.02 0.02 0.09 0.11 2.01
41 0.02 0.02 0.09 0.11 1.92
42 0.02 0.02 0.09 0.11 1.82
43 0.02 0.02 0.09 0.11 1.73
44 0.02 0.02 0.09 0.11 1.64
45 0.02 0.02 0.09 0.11 1.54
46 0.01 0.01 0.10 0.11 1.45
47 0.01 0.01 0.10 0.11 1.35
48 0.01 0.01 0.10 0.11 1.25
0.21 0.21 1.11 1.32

V 49 0.01 0.01 0.10 0.11 1.16


50 0.01 0.01 0.10 0.11 1.06
51 0.01 0.01 0.10 0.11 0.96
52 0.01 0.01 0.10 0.11 0.86
53 0.01 0.01 0.10 0.11 0.76
54 0.01 0.01 0.10 0.11 0.65
55 0.01 0.01 0.10 0.11 0.55
56 0.01 0.01 0.10 0.11 0.44
57 0.00 0.00 0.11 0.11 0.34
58 0.00 0.00 0.11 0.11 0.23
59 0.00 0.00 0.10 0.10 0.13
60 0.00 0.00 0.14 0.14 (0.00)
0.08 0.08 1.26 1.34
0.53 0.79 0.53 0.45 0.33 0.21 0.08 - -
0.45 0.87 0.79 0.87 0.99 1.11 1.26 - -
0.33 0.99
0.21 1.11
0.08 1.26
- -
- -

4.21 3.35 2.36 1.25 (0.00) - -

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