PROJECT PROFILE OF M/S i) Name of the Unit ii) Address iii) Administrative Office iv) Proposed Activity v) Major

Group to which Company Belongs vi) Track Record vii) Associates Allied Concerns viii) Banking Arrangement (if limits an existing branch Sole/also TL Consortium/ Multiple Banking ix) Assets Classification x) Main Management personnel /Promoters. xi.) Facilities desired Central Grant Industrial Assciation Important financial highlights M/s JBR Power Technologies

ETP Plant Nil The name of promoters does not appear in the defaulter list of RBI /ECGC. N.A. The Company is not availing any credit facilities from any bank. Fresh Account 1. Rajinder Singh AMOUNT (IN LAC) Rs.60.00 Crore Rs. 110.29 Crore Debt equity ratio DSCR Repayment period

Strengths & weakness of the company/ Project : Strengths Weakness i) well connected and strategically i) Project may be negatively located affected in case funds could not be arranged in time. ii) Strong demand

Introduction In a developing country like India, development of project goes on in every field. Industrial development is a field to which every country pays utmost importance. Our Government is giving top priority to industrialization. With the rapid industrial development in the demand of all type of Hosiery Product is increasing day by day thereby produce With a view to avail benefit and to control waste and Pollution hazards. M/s JBR Power Technologies, a Company has been promoted by Rajinder Singh,MD of JBR. The said Company has envisaged the running of ETP Zero liquid discharge project at Ludhiana, Punjab. It will be a zero liquid discharge project and the treated water will be re-used by the units, which at the moment is being thrown in nallah. Introduction Business Mr Rajinder Singh,MD of JBR . Aged ___ years and a Post graduate from Panjabi University Patiala and shall propose to start an ETP (Zero liquid discharge unit) at Ludhiana, Punjab. Total costs of the project are as follows: (Rs. in Crore) Cost of Project Sr.no. Particulars 1. 2. 3. 4. Land Amount 55.00

Building & Other Site 28.33 Development Plant & Machinery 45.46 Misc. Fixed Assets 1.88

5. 6. 7.

Pre-Operative Expense Contingencies Margin Money for Working Capital Total

1.75 2.00 35.87 170.29

Means of Finance Sr. no. 1. 2. Particulars Central Grant from Govt. Contribution from Industrial Association Total Amount 60.00 110.29 170.29

Land & Building The location comprises the Shop at Sector 79 Mohali at a cost of Rs.21.51 Lacs. Incase any further construction/renovation is to be carriedout; we shall carry the same from our own sources.

Misc Fixed assets The Misc Fixed assets comprises air conditioning equipments costing Rs.1.00 lacs and wood work & interiors costing Rs.0.50 lacs

Working Capital The working capital has been assumed as follows:S.no. 1 2 Particulars Purchases & Packing cost Total Working Capital Less: Creditors Working Capital Months 2.6 0.20 Amount(Rs. In lacs ) 10.40 10.40 1.04 9.36

Means of Finance The proprietor shall contribute Rs. 12.87 lacs from own resources and has got the arrangements of Rs 12.50 lacs as a term loan from bank for Booth. Market Scenario Recent months have been witnessing a new kind of phenomenon sweeping urban India. And it's to do with new age living style that couldn't get slicker. In other words, consolidated brand awareness in the form of garments, food itemslike fruits , vegetables and other groceries all under one roof. Industry estimates project that on average. The Departmental stores comprises placing all type of material under one roof which is now worldwide acceptable marketing strategy of the multinational companies so that the customer does not have to go to diff shops or vendors for buying his day to day needs.

FUTURE POTENTIAL

The biggest advantage of the project is the fact that there are limited number of sites available for such type of stores in the planned area of Mohali . Such stores may come up in the nearby surrounding towns of Punjab and Chandigarh or MC may demarcate new sites in new upcoming areas outside the regular areas of Mohali but the number of such sites cannot be increased overnight in Mohali.. Mohali being the major hub for commercial activities is going to be next sought after destination for MNCs. The current population of the city is around three cities together is more than 30 lakh and another app. 5.00 lacs people are getting shifted to these cities in every year to fulfill the demand of the IT Industries aand MNC jobs . Further with the increased purchasing power in the hands of middle income group of the population , the people have started spending on living style and food beside entertainment as per westren lifestyle . These all factors have been leading to more demand for such stores in Northren India. FINANCIAL ANALYSIS
COST OFPRODUCTION & PROFITABILITY ESTIMATES

Profitability Projections Based on the above assumptions, the financial analysis of the project was undertaken and the brief results of the same are as provided below:
COST OFPRODUCTION & PROFITABILITY ESTIMATES (Rs. in Lacs)

PARTICULARS / YEAR
Purchases & Packing cost Power & Fuel Expenses Wages & Salaries Consumables Stores & Spares Repair & Maintenance Expenses Depreciation Interest on - Term Loan - Working Capital Rent, Taxes & Insurance Miscll. Admn. Expenses Selling Expenses Total Cost of Production Sales Net Sales Minimum Guarantee Fee Gorss Sales

2013
46.40 0.22 0.58 0.46 0.02 2.38 1.74 0.91 0.30 0.50 1.74 55.24 58.00 58.00 0.50 58.50

2014
51.04 0.22 0.60 0.51 0.02 2.13 1.47 0.91 0.33 2.05 1.91 61.20 63.80 63.80 0.75 64.55

2015
55.68 0.22 0.64 0.56 0.03 1.90 1.21 1.14 0.36 2.15 2.09 65.97 69.60 69.60 0.90 70.50

2016
55.68 0.22 0.64 0.56 0.03 1.71 0.94 1.14 0.36 2.26 2.09 65.61 69.60 69.60 0.90 70.50

2017
55.68 0.22 0.64 0.56 0.03 1.53 0.67 1.14 0.36 2.37 2.09 65.28 69.60 69.60 0.90 70.50

2018
55.68 0.22 0.64 0.56 0.03 1.37 0.40 1.14 0.36 2.49 2.09 64.97 69.60 69.60 0.90 70.50

2019
55.68 0.22 0.64 0.56 0.03 1.23 0.10 1.14 0.36 2.62 2.09 64.65 69.60 69.60 0.90 70.50

Operating Profits Net Profit Operating Profit to Sales Prop Withdrawal Income Tax Cash Accruals

3.26 3.26 0.06 0.28 0.08 5.56

3.35 3.35 0.05 0.32 1.08 4.39

4.53 4.53 0.07 0.32 0.46 5.98

4.89 4.89 0.07 0.32 0.57 6.03

5.22 5.22 0.08 0.32 0.67 6.08

5.53 5.53 0.08 0.32 0.76 6.14

5.85 5.85 0.08 0.32 0.85 6.22

PBT/Net Sales % PAT/Net Sales % Cost of Sales PBDIT/Net sales % PBDIT

5.62 5.62 55.24 14.29 8.29

5.25 5.25 61.20 12.32 7.86

6.51 6.51 65.97 12.62 8.78

7.03 7.03 65.61 12.46 8.67

7.50 7.50 65.28 12.30 8.56

7.95 7.95 64.97 12.13 8.44

8.40 8.40 64.65 11.95 8.32

CASH FLOWS STATEMENT

Following are the cash flow statement of a proprietorship firm.

CASH FLOWS STATEMENT SOURCES OF FUNDS 2012 2013 2014 2015 2016 2017 2018 2019

Net profit before tax and Depreciation with long-term interest added back Capital

0.00

5.00

4.82

5.74

5.83

5.89

5.93

5.95

12.87

3.00

3.00

3.00

3.00

3.00

3.00

7.00

Depreciation Increase in long term Secured Loans Increase in Unsecured Loan Increase in Bank Borrowings for Working Capital Increase in Other Current Liabilities Total

0.00

2.38

2.13

1.90

1.71

1.53

1.37

1.23

12.50 0.00 0.00

0.00 0.00 7.00

0.00 0.00 0.02

0.00 0.00 1.76

0.00 0.00 0.00

0.00 0.00 0.00

0.00 0.00 0.00

0.00 0.00 0.00

1.04 25.37 18.42

0.00 9.97

0.26 12.66

0.00 10.53

0.00 10.42

0.00 10.30

0.00 14.18

DISPOSITION OF FUNDS Preliminary & Pre-operative Expenses Capital Expenditure

0.00 23.01

0.00

0.00

0.00

0.00

0.00

0.00

0.00

Increase in Current Assets Decrease in Long Term Loan Interest on Long Term Loan Taxation Withdrawls Total OPENING BALANCE NET SURPLUS (A-B) CLOSING BALANCE

0.00 0.00 0.00 0.00 0.00 23.01 0.00 2.36 2.36

12.40 1.79 1.74 0.08 0.28 16.29 2.36 2.13 4.49

0.00 1.79 1.47 1.08 0.32 4.66 4.49 5.31 9.80

2.60 1.79 1.21 0.46 0.32 6.37 9.80 6.29 16.09

0.00 1.79 0.94 0.57 0.32 3.61 16.09 6.92 23.01

0.00 1.79 0.67 0.67 0.32 3.44 23.01 6.98 29.99

0.00 1.79 0.40 0.76 0.32 3.27 29.99 7.04 37.02

0.00 12.50 0.10 0.85 0.32 13.77 37.02 0.40 37.43

PROJECTED BALANCE SHEETS

Following are balance sheet of M/s Krishna Enterprises which show the financ Of a proprietorship firm.
PROJECTED BALANCE SHEETS As on March 31st 2013 2014 2015

LIABILITIES

2012

2016

2017

2018

2019

Capital Reserves and Surplus

12.87 0.00

15.87 2.90

18.87 4.85

21.87 8.60

24.87 12.60

27.87 16.84

30.87 21.29

37.87 25.96 10.71

Term Loans

12.50

10.71

8.93

7.14

5.36

3.57

1.79

Unsecured Loans

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

Working Capital Limits Sundry Creditors

0.00 0.00

7.00 1.04

7.02 1.04

8.78 1.30

8.78 1.30

8.78 1.30

8.78 1.30

8.78 1.30

TOTAL ASSETS Fixed Assets Gross Block Depreciation Net Block Current Assets Inventory

25.37

37.53

40.71

47.69

52.91

58.36

64.02

63.20

23.01 0.00 23.01

23.01 2.38 20.63

23.01 4.50 18.51

23.01 6.41 16.60

23.01 8.11 14.90

23.01 9.64 13.37

23.01 11.01 12.00

23.01 12.24 10.77

0.00

10.40

10.40

13.00

13.00

13.00

13.00

13.00

Other Current Assets

0.00

2.00

2.00

2.00

2.00

2.00

2.00

2.00

Cash & Bank Balances TOTAL

2.36 25.37 0.00

4.49 37.53 0.00 2.10

9.80 40.71 0.00 2.75

16.09 47.69 0.00 3.09

23.01 52.91 0.00 3.77

29.99 58.36 0.00 4.47

37.02 64.02 0.00 5.16

37.43 63.20 0.00 5.20

Current Ratio

PROPOSAL

It is proposed to avail a term loan of Rs.12.50 lacs from the bank at debt equity ratio of 0.97:1
M/S KRISHNA ENTERPRISES COST OF PROJECT & MEANS OF FINANCING COST OF PROJECT PARTICULARS Land & Building Miscll. Fixed Assets (Rs. in Lacs) AMOUNT 21.51 1.50

Margin Money for Working Capital Total MEANS OF FINANCE Proprietors Capital Term Loan Total

2.36 25.37

12.87 12.50 25.37

DEBT SERVICE COVERAGE RATIO On the basis of profitability, the DSCR has been calculated for seven years repayment .The firm shall repay the loan in 7 Years starting from june 2012 of Rs.1.79 lacs each. Following are the DSCR statement of the firm.

DEBT SERVICE COVERAGE RATIO

Year Ending 31st March Net Profit after Tax Depreciation Interest on Term Loan Total Instalment of Term Loan Interest on Term Loan Total Debt 2013 3.18 2.38 1.74 7.30 1.79 1.74 3.53 2014 2.27 2.13 1.47 5.87 1.79 1.47 3.26 2015 4.07 1.90 1.21 7.18 1.79 1.21 2.99 (Rs. in Lacs) 2016 2017 4.32 1.71 0.94 6.97 1.79 0.94 2.72 4.56 1.53 0.67 6.75 1.79 0.67 2.46 2018 4.77 1.37 0.40 6.54 1.79 0.40 2.19 2019 4.99 1.23 0.10 6.32 1.79 0.10 1.89

D. S. C. R.

2.07

1.80

2.40

2.56

2.75

2.99

3.35

Average D.S.C.R.

2.47

The average DSCR is calculated at 2.47 times.