I.

PROFIT AND LOSS ACCOUNT

Audited
2010

I. PROFIT AND LOSS ACCOUNT:

SALES:
(i) Transport Charges Received
(ii) Other Income
GROSS SALES:
LESS: Excise duty
ADD: Other Operating Income
NET SALES:
Increase in Net Sales (%)
COST OF SALES:
(i) Raw materials
A. Imported
B. Indigenous
(ii) Other Spares
A. Imported
B. Indigenous
(iii) Power & Fuel
(iv) Direct Expenses
(v) Other Manuf. Expenses
(vi) Depreciation
(vii) Repairs & Maintenance
(viii) Octroi and freight
SUB TOTAL:
ADD: Opening Stock in Process
DEDUCT: Closing Stock in Process
COST OF PRODUCTION:
C O P as % of Gross Sales
ADD: OP Stock of Finished Goods

332.82
3.2
336.02
0.00
0.00
336.02
#VALUE!
0.00
0.00

0.00
182.29
0.00
16.51
0.00
0.00
198.80

198.80
0.00%
0.00

DEDUCT: CL Stock of Finished Goods

COST OF SALES:
Cost of Sales as % of Gross Sales
Selling, General & Admn. Expenses
PROFIT BEFORE INTEREST & TAX (PBIT)
PBIT as % of Gross Sales
Interest & Other Financial Charges
Intt. & Fin. Charges as % of Sales
OPERATING PROFIT BEFORE TAX (PBT)
PBT as % of Gross Sales
ADD: Other Nonoperative Income
(i) Interest & dividend
(ii) Exchange Profit/ Export Incentives
(iii) Exchange Prov Written Back
(iv) Profit on sale of assets
(v) Sale of Scrap
SUB-TOTAL (INCOME)
Deduct Other Non-operating Exp.
(i) Loss on Invst
(ii) Loss on Forex
(iii) Loss on Sale of Fixed Assets
(iv) Bad Debts W/ Off
(v) Prel. Exp. Written Off
SUB-TOTAL (EXPENSES)
PROFIT BEFORE TAX / LOSS
Tax Paid
Provision for Taxes
NET PROFIT/LOSS (PAT)
PAT as % of Gross Sales
DRAWINGS
(ii) Rate
RETAINED PROFIT

II. BALANCE SHEET

0.00
198.80
0.00%
135.14
2.08
0.00%
0.00
0.00%
2.08
0.00%
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2.08
0.64
1.44
0.00%
0.00
0.00%
1.44

LIABILITIES:
CURRENT LIABILITIES:
Short Term borrowings from banks
(including bill purchased/discounted)
(i) from applicant bank
(ii) from other banks
(iii) (of which Bill purchased & disc.) LC
SUB-TOTAL
Short Term Borrowings from others
Sundry Creditors (Trade)
Adv payment fm cust / dep fm dealers
Provision for TAxation
Dividend payable
Other Statutory Liabilities (Due within One
Year)
Instalments of Term loans (Indusland Bank &
Cholamadalam)
Other C.L. & Prov (due within 1 year)
Interest accrued bot not due
Dues to Directors
Security Dep- Suppliers and Contractors
Other Current Liabilities
Other Provisions
SUB-TOTAL
TOTAL CURRENT LIABILITIES

Audited
2010

0.00
0.00
0.00
7.59
29.87
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2.11
39.57
39.57

TERM LIABILITIES
Debentures (not maturing within 1 year)
Term Loans Arihant Co-operative Bank
Term Loans from Other Bank
Term Deposits ( repayable after 1 year)
Unsecured loans(Quasi Equity)
Mobilisation Advace repayable after1 year
Deferred Sales Tax

8.64
44.74
0.21
0.00

Car Loan
TOTAL TERM LIABILITIES

23.49
77.08

Ordinary share capital

Preference Share Capital
Reserve & Surplus in P/L Account
Capital Reserve
Surplus(+) or deficit (-) in P & L Account
Share Application Money
Security Premium
Share Premium
Capital redemption reserve

2.02
30.78
1.44

NET WORTH

34.24

TOTAL LIABILITIES

ASSETS:
CURRENT ASSETS
Cash and Bank Balances
Investments (Other than Long Term)
(i) Cash Advance to Drivers
(ii) Fixed deposits with banks
RECEIVABLES
Domestic Sales
Export Recv( Incl. B/P& Disc by banks)
INVENTORY
Raw Material - Indigenous
Raw Material - Imported
Consumables Spares-Indigenous
Stock in process
Finished Goods
Goods in Transit

150.89

Audited
2010
9.03
0.00
0.00
0.00
0.00
0.00

0.00
0.00

Cl Stock of Traded goods

Stores & Spares
Advance to suppliers of raw material
Other Current Assets:
(i) Deposits
(ii) Taxes Receivables
(iii) Sundry Debtors
(iv) Prepaid Expenses
(v) Advances & Deposits
TOTAL CURRENT ASSETS
FIXED ASSETS
(i) Truck
(ii) Typewritter
(iii) Scooter
(iii) Computer & Printer
(iv) Office Equipment
(v) Furniture & Fixtures
(vi) Air Conditioner
(vii) Motor Car
Depreciation
(ix) Other
(x) Capital WIP/ Interest Capitalized
NET BLOCK
OTHER NON CURRENT ASSETS
(i) Investments in Subsidiary companies/
Affiliates
(ii) Other Investments

7.30
57.79
74.12
75.87
0.01
0.03
1.37
0.00
17.30
0.15
64.20
83.31

75.63

1.14

(iii) Adv to supplof Cap Goods/Contractors

(iv) Deferred receivables(maturity > 1 year)
(v) Pre-Operative Expenses Written off
(vi) Debtors exceedings 6 months
(vii) Short Term Deposits with Bodies Corporate
(viii) Non-consummable stores & spares
(ix) Other Non current assets incl. dues from
directors

0.00

TOTAL OTHER NON CURRENT ASSETS

Intangible Assets (patents, goodwill, prelim.
expenses, bad/doubtfull expenses not
provided for)
TOTAL ASSETS

1.14

0.00
150.89

Total Liabilities - Total Assets

BUILD UP OF CURRENT ASSETS

0.00
Audited
2010

Raw Material - Indigenous

Month's Consumption
Raw Material - Imported
Month's Consumption
Consumable spares indigenous
Month's Consumption
Consumable spares- Imported
Month's Consumption
Stock in process
Month's Cost of Production
Finished Goods
Month's Cost of Sales
Receivables (Domestic) other than.deferred
& exports (Incl. bills purchased & discounted
by banks)
Month's Domestic Sales
Export Recv.(Incl. bills purchased &
discounted by banks)
Month's Export Sales
BUILD UP OF CURRENT LIABILITY
(Other Than Bank Borrowings for Working
Capital)
Creditors for Purchases of RM
Month's Purchases

0.00
#DIV/0!
0.00
#DIV/0!
0.00
#DIV/0!
0.00
#DIV/0!
0.00
0.00
0.00
0.00

0.00
#DIV/0!
0.00
#REF!

7.59
#DIV/0!

III. CALCULATION OF MAXIMUM PERMISSIBLE BANK FINANCE

2010
Audited
1. Total Current Assets
2. Other Current Liabilities (Other than
Bank Borrowings & TL Instalments
3. Working Capital Gap
4. Min. Stipulated Net Working Capital
(25% of Total Current Assets excluding Export
Receivables)
5. Actual/ Projected NWC
6. Item 3 Minus Item 4
7. Item 3 Minus Item 5
8. Maximum Permissible Bank Finance (
lower of 6 or 7 )
9. Excess borrowings representing
Shortfall in NWC

74.12
39.57
34.55

18.53
34.55
16.02
0.00
0.00
NIL

IV. STATEMENT OF FINANCIAL ANALYSIS

2010
Audited
Total Assets (Tangible)
Total Outside Liabilities
Tangible Networth
Net sales
PBDIT
Operating Profits (PBIT)
Net Profit
Gross Cash Accruals
Net Working Capital
% of NWC to Current Assets
Current Ratio

150.89
116.65
34.24
336.02
18.59
2.08
1.44
17.95
34.55
46.61%
1.87

Quick Ratio
PBDIT/Sales (%)
PBIT / Net Sales (%)
PBT / Net Sales (%)
Net Profit/ Sales (%)
Return on Assets (%)
Retained Profits / Net Profits (%)
Return on Net Worth(%)
Recv. Turnover - Domestic
Recv. Turnover - Export
Inventory Turnover
Accounts Payables Turnover
Fixed Assets Turnover Ratio
Net Sales Growth (%)
Net Profit Growth (%)
Net Worth Growth (%)
TOL / TNW
Interest Cover
DER
FACR

1.87
5.53%
0.62%
0.62%
0.43%
0.95%
100.00%
4.21%
0
#REF!
0
#DIV/0!
5.76
#VALUE!
#REF!
#VALUE!
3.41
#DIV/0!
2.25
0.98

V. FUNDS FLOW STATEMENT

Profit After Tax

Depreciation
Dividends
Funds From Operations
Long Term Sources:
Change in Capital
Net Change in Reserve
Change in Term Loans
Total [Source(+) / Deficit(-)]

2009
Audited
#REF!
16.51
1.44
#REF!
#VALUE!
#VALUE!
#VALUE!
#REF!

Long Term Uses:

Net Change in Fixed Assets
Change in Other Non Current
. Assets (including Investments)
Change in Investments in Group Cos.
Change in Intangibles
Contribution to Working Capital
Chort Term Uses
Change in Net Working Assets
Change in Other Current Assets
Short Term Sources
Change in Other Current Liabilities
Change in Bank Borrowings/Loans
Net Deficit/ Surplus in S T Sources

#VALUE!
#VALUE!
#VALUE!
#VALUE!
#REF!
#REF!
#VALUE!
#VALUE!
#VALUE!
#VALUE!

Net Movement in Liquid Assets

Change in cash
Change in Marketable Investments
Net Movement in Liquid Assets

#REF!
#VALUE!
#VALUE!
#VALUE!

VI. CASH FLOW STATEMENT

Operating Sector
Sales
Debtors (Trade)
Cash From Sales
Costs- Interest & Finance Charges
Expenses on Stocks Purchases
Trade Creditors
Manufacturing Expenses
Cash Cost of Sales
Expenses for Inc. / Dec. in Stocks
Cash from Aset Conversion Cycle
Selling, Gen. & Adm. Expenses
Advance Payments
Advances Received
Taxation
Dividends

336.02
#VALUE!
#VALUE!
0.00
0.00
#VALUE!
182.29
#VALUE!
#VALUE!
#VALUE!
0.00
#REF!
#VALUE!
2.08
1.44

Cash From Operations

Other Current Assets
Other Current Liabilities
Other Income/Expenses(Net)
Net Cash From Operations
Investment Sector
Capital Expenditure
Investment in Group Comp's
Intang,/Other Term Assets
Cash Before Funing
Financing Sector
Dues to Banks
Short Term Debts
Term Debts
Equity
Other Loans & Reserves
Total
Movement in Cash Assets
Cash & Bank Balance
Investments (Other Than Long Term)
Movement in Cash Assets

#VALUE!
#VALUE!
#VALUE!
0.00
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!

Audited
2011

Provisional Provisional Provisional Provisional

2012

2013

2014

2015

390.34
1.05
391.39
0.00
0.00
391.39
16.48%

467.67
2
469.67
0.00
0.00
469.67
20.00%

0.00

0.00

0.00

0.00
0.00
0.00
0.00
-100.00%

0.00
0.00
0.00
0.00
#DIV/0!

0.00
0.00
0.00
0.00
#DIV/0!

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00
230.99
0.00
11.01
0.00
0.00
242.00

0.00
277.18
0.00
8.00
0.00
0.00
285.18

0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00

242.00
61.83%
0.00

285.18
60.72%
0.00

0.00
#DIV/0!
0.00

0.00
#DIV/0!
0.00

0.00
#DIV/0!
0.00

0.00
242.00
61.83%
146.74
2.65
0.68%
0.00
0.00%
2.65
0.68%

0.00
285.18
60.72%
170.00
14.49
3.09%
7.55
1.61%
6.94
1.48%

0.00
0.00
#DIV/0!
0.00
0.00
#DIV/0!
0.00
#DIV/0!
0.00
#DIV/0!

0.00
0.00
#DIV/0!
0.00
0.00
#DIV/0!
0.00
#DIV/0!
0.00
#DIV/0!

0.00
0.00
#DIV/0!
0.00
0.00
#DIV/0!
0.00
#DIV/0!
0.00
#DIV/0!

0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
2.65

0.00
0.00
0.00
0.00
0.00
0.00
6.94
3.00
0.00
3.94
0.84%
0.00
0.00%
3.94

0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
#DIV/0!
0.00
0.00%
0.00

0.00
0.00
#DIV/0!
4.00
0.00%
-4.00

0.00
0.00
#DIV/0!
6.00
0.00%
-6.00

0.82
1.83
0.47%
0.00
0.00%
1.83

Audited
2011

Provisional Provisional Provisional Provisional

2012

2013

2014

2015

0.00
18.36

50.00
0.00

50.00
0.00

50.00
0.00

50.00
0.00

18.36

50.00

50.00

50.00

50.00

9.38
17.46
0.00
0.00

14.00
10.00
0.00
0.00

19.00
18.00
3.00
0.00

22.00
19.00
4.00
0.00

24.00
20.00
5.00
0.00

0.00

0.00

0.00

0.00

0.00

0.00
0.00
0.00
0.00
0.00

5.48
0.00
0.00
0.00
0.00

2.65
0.00
0.00
0.00
0.00

1.81
0.00
0.00
0.00
0.00

2.93

0.00
0.00
0.00
0.00
0.00
0.00
3.10

29.77
48.13

27.10
77.10

45.48
95.48

47.65
97.65

50.81
100.81

6.12
38.14

0.00
47.00

0.00
8.61

0.00
4.24

0.00
0.83

0.00

0.00

0.00

0.00

0.00

0.00
44.26

0.00
47.00

8.61

4.24

0.83

2.02

2.02

2.02

2.02

2.02

32.22

34.05

40.89

50.16

65.51

1.83

3.94

0.00

0.00

0.00

36.07

40.01

42.91

52.18

67.53

128.46

164.11

147.00

154.07

169.17

Audited

Provisional

Estimated

Projected

Projected

2011
10.57

2012
6.37

2013
3.36

2014
1.52

2015
1.57

0.00

0.00

10.92

11.00

12.00

0.00
0.00
0.00

0.00
0.00
0.00

30.00
35.00
0.00

37.00
41.00
0.00

40.00
46.00
0.00

0.00

0.00

0.00

0.00

0.00

0.00
0.00

0.00
0.00

0.00
0.00

0.00
0.00

0.00
0.00

5.95

20.00

56.55
73.07

61.00
87.37

78.00
127.28

89.00
142.52

95.00
154.57

75.87
0.01
0.03
1.58
0.00
17.41
0.15
47.25
94.32

110.00
0.01
0.03
1.35
0.00
17.35
0.12
43.64
96.90

75.87
0.01
0.03
1.58
0.00
17.41
0.15
26.70
103.17

75.87
0.01
0.03
1.58
0.00
17.41
0.15
26.70
111.34

81.87
0.01
0.03
3.58
0.00
19.41
0.15
26.70
118.29

47.98

75.60

18.58

10.41

13.46

1.14

1.14

1.14

1.14

1.14

0.00

0.00

0.00

0.00

0.00

1.14

1.14

1.14

1.14

1.14

0.00
122.19

0.00
164.11

0.00
147.00

0.00
154.07

0.00
169.17

6.27

0.00

0.00

0.00

0.00

Audited
2011

Provisional

Estimated

Projected

Projected

0.00
#DIV/0!
0.00
#DIV/0!
0.00
#DIV/0!
0.00
#DIV/0!
0.00
0.00
0.00
0.00

2012
0.00
#DIV/0!
0.00
#DIV/0!
0.00
#DIV/0!
0.00
#DIV/0!
0.00
0.00
0.00
0.00

2013
0.00
#DIV/0!
0.00
#DIV/0!
0.00
#DIV/0!
0.00
#DIV/0!
0.00
#DIV/0!
0.00
#DIV/0!

2014
0.00
#DIV/0!
0.00
#DIV/0!
0.00
#DIV/0!
0.00
#DIV/0!
0.00
#DIV/0!
0.00
#DIV/0!

2015
0.00
#DIV/0!
0.00
#DIV/0!
0.00
#DIV/0!
0.00
#DIV/0!
0.00
#DIV/0!
0.00
#DIV/0!

0.00
#REF!

0.00
#REF!

35.00
#REF!

41.00
#REF!

46.00
#REF!

0.00
#REF!

0.00
#REF!

0.00
#REF!

0.00
#REF!

0.00
#REF!

9.38
#DIV/0!

14.00
#DIV/0!

19.00
#DIV/0!

22.00
#DIV/0!

24.00
#DIV/0!

K FINANCE
2011
2012
2013
2014
2015
Audited
Provisional Provisional Provisional Provisional
73.07
87.37
127.28
142.52
154.57
29.77
43.30

27.10
60.27

40.00
87.28

45.00
97.52

49.00
105.57

18.27
24.94
25.03
18.36

21.84
10.27
38.43
50.00

31.82
37.28
55.46
50.00

35.63
47.52
61.89
50.00

38.64
55.57
66.93
50.00

18.36

38.43

50.00

50.00

50.00

NIL

11.57

NIL

NIL

NIL

2011
2012
2013
2014
2015
Audited
Provisional Provisional Provisional Provisional
A. PROFILE ANALYSIS
122.19
164.11
147.00
154.07
169.17
92.39
124.10
104.09
101.89
101.64
36.07
40.01
42.91
52.18
67.53
391.39
469.67
0.00
0.00
0.00
157.75
22.49
0.00
0.00
0.00
146.74
14.49
0.00
0.00
0.00
1.83
3.94
0.00
0.00
0.00
12.84
11.94
0.00
0.00
0.00
24.94
10.27
31.80
44.87
53.76
34.13%
11.75%
24.98%
31.48%
34.78%
B. LIQUIDITY ANALYSIS
1.52
1.13
1.33
1.46
1.53

1.52
1.13
1.33
C. PROFITABILITY ANALYSIS
40.31%
4.79%
#DIV/0!
37.49%
3.09%
#DIV/0!
0.00%
1.48%
#DIV/0!
0.47%
0.84%
#DIV/0!
1.50%
2.40%
0.00%
100.00%
100.00%
#DIV/0!
5.07%
9.85%
0.00%
D. ACTIVITY ANALYSIS( IN DAYS)
0
0
#DIV/0!
#REF!
#REF!
#REF!
0
0
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
8.81
10.58
0.00
E. GROWTH RATIOS
16.48%
20.00%
-100.00%
#REF!
#REF!
-100.00%
5.34%
10.92%
7.25%
F. LEVERAGE & OTHER RATIOS
3.10
2.43
23298.78
2.98
#DIV/0!
1.23
1.17
0.20
1.08
1.61
2.16

1.46

1.53

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
0.00%
#DIV/0!
0.00%

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
0.00%
#DIV/0!
0.00%

#DIV/0!
#REF!
#DIV/0!
#DIV/0!
0.00

#DIV/0!
#REF!
#DIV/0!
#DIV/0!
0.00

#DIV/0!
#DIV/0!
21.60%

#DIV/0!
#DIV/0!
29.42%

1.95
#DIV/0!
0.08
2.46

1.51
#DIV/0!
0.01
16.22

2010
2011
2012
2013
2014
Audited
Provisional Provisional Provisional Provisional
#REF!
3.94
0.00
0.00
0.00
11.01
8.00
0.00
0.00
0.00
1.83
0.00
0.00
4.00
6.00
#REF!
11.94
0.00
-4.00
-6.00
0.00
#REF!
-32.82
#REF!

0.00
0.00
2.74
14.68

0.00
2.90
-38.39
-35.49

0.00
13.27
-4.37
4.90

0.00
21.35
-3.41
11.94

-16.64

35.62

-57.02

-8.17

3.05

0.00
0.00
0.00
#REF!

0.00
0.00
0.00
-20.94

0.00
0.00
0.00
21.53

0.00
0.00
0.00
13.07

0.00
0.00
0.00
8.89

#REF!
-2.59

#REF!
18.50

#REF!
-3.00

#REF!
11.00

#REF!
6.00

-9.80
18.36
#REF!

-2.67
31.64
#REF!

18.38
0.00
#REF!

2.17
0.00
#REF!

3.16
0.00
#REF!

#REF!
1.54
0.00
1.54

#REF!
-4.20
0.00
-4.20

#REF!
-3.01
10.92
7.91

#REF!
-1.84
0.08
-1.76

#REF!
0.05
1.00
1.05

391.39
0.00
391.39
0.01
0.00
-1.79
230.99
229.21
0.00
162.18
0.62
#REF!
12.41
2.65
1.83

469.67
0.00
469.67
7.55
0.00
-4.62
277.18
280.11
0.00
189.56
170.00
#REF!
7.46
3.00
0.00

0.00
35.00
-35.00
0.00
0.00
-5.00
0.00
-5.00
0.00
-30.00
0.00
#REF!
-8.00
0.00
0.00

0.00
#REF!
#REF!
0.00
0.00
-3.00
0.00
-3.00
0.00
#REF!
0.00
#REF!
-1.00
0.00
4.00

0.00
#REF!
#REF!
0.00
0.00
-2.00
0.00
-2.00
0.00
#REF!
0.00
#REF!
-1.00
0.00
6.00

#REF!
-2.59
-0.82
0.00
#REF!

#REF!
18.50
-0.17
0.00
#REF!

#REF!
-3.00
-5.38
0.00
#REF!

#REF!
11.00
1.83
0.00
#REF!

#REF!
6.00
-0.16
0.00
#REF!

-16.64
0.00
0.00
#REF!

35.62
0.00
0.00
#REF!

-57.02
0.00
0.00
#REF!

-8.17
0.00
0.00
#REF!

3.05
0.00
0.00
#REF!

18.36
0.00
-32.82
0.00
#REF!
#REF!
#REF!
1.54
0.00
1.54

31.64
0.00
2.74
0.00
0.00
34.38
#REF!
-4.20
0.00
-4.20

0.00
0.00
-38.39
0.00
2.90
-35.49
#REF!
-3.01
10.92
7.91

0.00
0.00
-4.37
0.00
13.27
8.90
#REF!
-1.84
0.08
-1.76

0.00
0.00
-3.41
0.00
21.35
17.94
#REF!
0.05
1.00
1.05

Rs lacs
Projected
2016

0.00
0.00
0.00
0.00
0.00
#DIV/0!
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
#DIV/0!
0.00

0.00
0.00
#DIV/0!
0.00
0.00
#DIV/0!
0.00
#DIV/0!
0.00
#DIV/0!
0.00
0.00
0.00
b
0.00
#VALUE!
0.00
0.00
0.00
0.00
0.00
0.00
#VALUE!
0.00
#VALUE!
#VALUE!
8.00
0.00%
#VALUE!

Projected
2016

50.00
0.00
50.00
26.00
21.00
6.00
0.00
0.00
0.57
0.00
0.00
0.00
0.00

53.57
`

0.00
0.00
0.00

0.00
2.02
86.99
0.00

89.01
#VALUE!

Projected
2016
1.90
13.00
57.00
57.00
0.00
0.00

0.00
0.00

107.00
178.90
87.87
0.01
0.03
3.58
0.00
19.41
0.15
26.70
125.21

12.54

1.14

0.00

1.14

0.00
192.58
#VALUE!
Projected
2016
0.00
#DIV/0!
0.00
#DIV/0!
0.00
#DIV/0!
0.00
#DIV/0!
0.00
#DIV/0!
0.00
#DIV/0!

57.00
#REF!
0.00
#REF!

26.00
#DIV/0!

2016
Projected
178.90
53.00
125.90

44.73
#VALUE!
81.18
#VALUE!
#VALUE!
#VALUE!

2016
Projected
192.58
#VALUE!
89.01
0.00
0.00
0.00
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!

#VALUE!
#DIV/0!
#DIV/0!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#DIV/0!
#REF!
#DIV/0!
#DIV/0!
0.00
#DIV/0!
#VALUE!
31.81%
#VALUE!
#DIV/0!
0.00
#DIV/0!

2015
Projected
#VALUE!
0.00
8.00
#VALUE!
0.00
#VALUE!
-0.83
#VALUE!

-0.92
0.00
0.00
0.00
#VALUE!
#REF!
12.00
2.76
0.00
#REF!
#VALUE!
0.33
1.00
1.33

0.00
11.00
-11.00
0.00
0.00
-2.00
0.00
-2.00
0.00
-9.00
0.00
#REF!
-1.00
0.00
8.00

#REF!
12.00
0.24
#VALUE!
#REF!
-0.92
0.00
0.00
#REF!
0.00
0.00
-0.83
0.00
#VALUE!
#VALUE!
#REF!
0.33
1.00
1.33

Enter loan amount

ROI (p.a.)
Term in years

890000
9.00%
3

EMI (monthly rest)

28,301.76
EMI (Yearly)
339621.1448
Amortization schedule
MonthsOpening
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34

890000
868373
846584
824632
802515
780232
757782
735164
712376
689417
666285
642981
619501
595846
572013
548001
523810
499436
474880
450140
425215
400102
374801
349310
323628
297754
271685
245421
218960
192300
165441
138380
111116
83647

Interest

Principal Closing
6675
6513
6349
6185
6019
5852
5683
5514
5343
5171
4997
4822
4646
4469
4290
4110
3929
3746
3562
3376
3189
3001
2811
2620
2427
2233
2038
1841
1642
1442
1241
1038
833
627

21627
21789
21952
22117
22283
22450
22618
22788
22959
23131
23305
23479
23656
23833
24012
24192
24373
24556
24740
24926
25113
25301
25491
25682
25875
26069
26264
26461
26660
26860
27061
27264
27468
27674

868373
846584
824632
802515
780232
757782
735164
712376
689417
666285
642981
619501
595846
572013
548001
523810
499436
474880
450140
425215
400102
374801
349310
323628
297754
271685
245421
218960
192300
165441
138380
111116
83647
55973

Yearly principal Amt

65368

252619

276316

245421

35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78

55973
28091
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

420
211
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

27882
28091
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

28091
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

245421

79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

Yearly Intrest Amt

19537

58700

35003

9295

9295

DEBT SERVICE COVERAGE RATIO

INTEREST CALCULATION @ 13 %

2011

2012

Profit After Tax

Depreciation
Interest on Term Loan

Total (A)

#DIV/0!

#DIV/0!

Interest on Term Loan

Installment due with in a year

Total (B)
DSCR

Total DSCR
Average DSCR

CULATION @ 13 %

2013

2014

2015

2016

2017

#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

Enter loan amount

ROI (p.a.)
Term in years

274000
11.52%
3

EMI (monthly rest)

9,038.03
EMI (Yearly)
108456.3868
Amortization schedule
MonthsOpening
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36

274000
267592
261123
254592
247998
241341
234620
227834
220983
214067
207084
200033
192916
185730
178475
171150
163755
156289
148751
141141
133458
125701
117870
109964
101981
93922
85786
77571
69278
60905
52452
43917
35301
26602
17819
8952

Interest

Principal Closing
2630
2569
2507
2444
2381
2317
2252
2187
2121
2055
1988
1920
1852
1783
1713
1643
1572
1500
1428
1355
1281
1207
1132
1056
979
902
824
745
665
585
504
422
339
255
171
86

6408
6469
6531
6594
6657
6721
6786
6851
6917
6983
7050
7118
7186
7255
7325
7395
7466
7538
7610
7683
7757
7831
7906
7982
8059
8136
8214
8293
8373
8453
8534
8616
8699
8783
8867
8952

267592
261123
254592
247998
241341
234620
227834
220983
214067
207084
200033
192916
185730
178475
171150
163755
156289
148751
141141
133458
125701
117870
109964
101981
93922
85786
77571
69278
60905
52452
43917
35301
26602
17819
8952
0

Yearly principal Amt

19408

76117

85364

77571

37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

77571

84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

Yearly Intrest Amt

7706

23301

14054

3771

3771

Assumptions for 2012.

Increase in Net Sales by 20%.
Direct Expenses Increase By 20%
Selling, General & Administration Expenses Increase by 15.85%
Interest on C/C Rs 7.50
C/c Limit is Rs 50 lacs