Make Balance Sheet for CC upto 2 cr. easly

Make Balance Sheet for
CC upto 2 cr. easly
By: PRAMOD KUMAR SINHA, Advocate (IT), Pakur- 816107.
(Professional useBALANCE
Only)
SHEET UTILITY FOR CASH CREDIT FACILITY (WITH CMA DATA)
SAVE ME
INPUT STARTING
YEAR
2013
OPEN SAVED
FILE
2013
ACTUAL
ACTUAL
SELECT PAGE &

Reset All
1
PRINT
Contribution>>
Cash Credit>>
9764
ESTIMATED
PROJECTED
PROJECTED
SUMMARY REPORT
INPUT BASIC INFORMATION
YEAR WISE INPUT FOR BALANCE SHEET (INPUT ACTUAL DATA OF 2 PREVIOUS YEARS ONLY)
2012
Assets
Fixed Assets
Depreciation
Net Block
Security Deposit
Investments/Deposit
Advance Payment/ TDS
Loans & Advances
Closing Stock with RM
Sundry Debtors
Cash & Bank Balances
Other Current Assets
Current Assets
TOTAL ASSETS
Liabilities
Opening Capital
Capital introduced/Gifts/
Add: Net Profit
Less: Drawings
Closing Capital
BS1
31.03.2013
112600
15000
97600
50000
328668
80668
54326
1988019
BS1
31.03.2014
97600
14010
83590
0
355601
0
112317
1798620
48094
11050
2171107
2647375
31.03.2013
1390362
0
237767
176340
1451789
1921987
2361178
31.03.2014
1451789
0
390568
643833
1198524
BS2
31.03.2015
83590
11972
71618
0
373380
0
20830
4697083
28750
17250
0
4763913
5208911
31.03.2015
1198524
0
898870
269660
1827734
BS2
31.03.2016
71618
10233
61385
0
392050
0
21870
5615465
33930
20360
0
5691625
6145060
31.03.2016
1827734
0
1093230
327970
2592994
BS3
31.03.2017
61385
8749
52636
0
411650
0
22960
6727100
40370
24220
0
6814650
7278936
31.03.2017
2592994
0
1341310
402390
3531914
CMA DATA)
11500000
2000000
PROJECTED
Show
Show
EVIOUS YEARS ONLY)

BS3
31.03.2018
52636
7483
45153
0
432230
0
24110
8083765
48440
29070
0
8185385
8662768
31.03.2018
3531914
0
1658020
497410
4692524
PROJECT PROFILE
OF
M/S HINDUSTAN HARDWARE

Main Activity-TRADING
Prepared for
Name-SWADHIN CHOUBEY
Father's Name-SISIR KUMAR CHOUBEY
Address-MAIN ROAD, PAKUR- 816107
Mobile No.-8298061333
PAN - ABSPC6810F
Prepared as per information of the Applicant

By
Pramod Kumar Sinha, Adv.(IT), Pakur
Madhpara, Pakur- 816107, Mob.- 9431549555
PKS
INTRODUCTION
1. Name of the Unit
: M/S HINDUSTAN HARDWARE

Trading
2. Address
: MAIN ROAD, PAKUR- 816107
3. Constitution
: PROPRIETORSHIP
4. DIC Registration No. (if any)
: N/A
5. Name & Address of the

Applicant
: Name-SWADHIN CHOUBEY
Father's Name-SISIR KUMAR CHOUBEY
Mobile No.-8298061333
PAN - ABSPC6810F
6. Background of the Applicant
: The applicant has been running the business

since long and has gained wide experience
in the same prudence of business.
7. Nature of Business
8. Nature of Facilities Sought
Type of Facility
Term Loan
C/C Limit
Existing
Proposed
Main Activity-TRADING
Amount (Rs.Remarks
0
897136
2000000 To meet the shortfall of W.C.

By
Signature
PKS
LOAN REPAYMENT SCHEDULE

Choose Your Loan Plan
FIXED DURATION
Amount of Loan
0.00
Rate of Interest P.A.
0.00%
No. of Installments
Moratorium Period
Starting Date for Repayme
#N/A
#VALUE!
31-03-2014
DETAIL REPAYMENT SCHEDULE

Sr. No.
Date
#VALUE!
Principal
Amount O/S
0.00
EMI
Extra
Repayment
Interest
Payment
Principal
Payment
Balance
DETAIL REPAYMENT SCHEDULE

Sr. No.
Date
Principal
Amount O/S
EMI
Extra
Repayment
Interest
Payment
Principal
Payment
Balance

ACTUAL PROFIT LOSS ACCOUNT FOR THE YEAR 2012-2013 & 2013-2014
PARTICULARS
To
To
2012-2013
Opening stock
Purchase/Excavation etc.
2013-2014
1066765
3360506
PARTICULARS
1988019 By Net Sales/Receipts

4057881 By Closing Stock
To
Other Direct Expenses
To
To
To
Rent (as per agreement)

Salary/wages(Skilled) & all
Other Indirect Exps. & Tax
0
72000
39000
30206
0
84000
66000
53370
To
Depreciation on F/A (old)
15000
14010
Bank Interest & Charges
0
139607
0
161374
0
237767
0
390568
To
Net profit
TOTAL
5048026
2013-2014
3022897
1988019
5026251
1798620
37110
37407
5048026
6862278
31.03.2013
31.03.2014
12600
0
12600
1260
0
0
100000
15000
0
0
85000
12750
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
97600
83590
50000
328668
0
355601
80668
54326
0
112317
1988019
1798620
0
48094
0
11050
0
2647375
0
2361178
0 By Other Income/Receipts
0
47056
0
0
87175
To
2012-2013
6862278 TOTAL
ACTUAL BALANCE SHEET AS ON 31.03.2013 & 31.03.2014

LIABILITIES
CAPITAL ACCOUNT
Opening Capital
31.03.2013
1390362
0
Add: Net Profit

Less: Drawings
237767
176340
Closing Capital
1451789
31.03.2014 ASSETS
FIXED ASSETS
1451789 Furniture & Fixture
0 Less: Depreciation
@ 10%
390568
643833
0%
1198524 Plant & Machineries

Less: Depreciation @ 15%
0%
TERM LOAN
0
0
Net Block
0 NON-CURRENT ASSETS
Security Deposit
Investments/Deposit
0
CURRENT LIABILITIES
Cash Credit Limit
998703
Sundry Creditors
0
196883
TOTAL
2647375
897136 CURRENT ASSETS

0 Advance Payment/ TDS
265518 Loans & Advances
2361178 TOTAL

By
Signature
PKS

ESTIMATED & PROJECTED PROFIT LOSS ACCOUNT FOR THE YEAR 2014-2015 & 2015-2016
PARTICULARS
To
To
2014-2015
Opening stock
To
To
To
To
To

To Bank Interest & Charges

To Insurance
To Income tax (provision)
To Net profit
TOTAL
2015-2016
1798620
10069482
0
0
172500
0
92400
72600
2790302
11972
0
270000
1430
59887
898870
16238063
PARTICULARS

2014-2015
2015-2016
11500000
4697083
40980
13570000
5615465
45078
16238063
19230543
0
203550
0
101640
79860
744142
10233
0
318600
1570
98646
1093230
19230543 TOTAL
ESTIMATED & PROJECTED BALANCE SHEET AS ON 31.03.2015 & 31.03.2016

LIABILITIES
CAPITAL ACCOUNT
Opening Capital
Add: Net Profit
Less: Drawings
Closing Capital
31.03.2015
1198524
0
898870
269660
1827734
31.03.2016 ASSETS
FIXED ASSETS
0 Less: Depreciation @ 10%
1093230
327970
0%
31.03.2015
31.03.2016
11340
1134
10206
1021
0
0
72250
10838
0
0
61412
9212
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
71618
61385
TERM LOAN
0
Net Block
CURRENT LIABILITIES
Cash Credit Limit
Income Tax (Provision)
Sundry Creditors
2000000
59887
1321290
TOTAL
5208911
Investments/Deposit
98646
Sundry Debtors
0
373380
0
392050
0
20830
4697083
28750
17250
0
21870
5615465
33930
20360
6145060 TOTAL
0
5208911
0
6145060
Note: - Due to extra activity/ taken new agency the sale figure of current financial year will be increased as shown in the B. S
By
Signature
PKS

PROJECTED PROFIT LOSS ACCOUNT FOR THE YEAR 2016-2017 & 2017-2018
PARTICULARS
To
To
2016-2017
Opening stock
2017-2018
5615465
14139567
PARTICULARS

19377960
8083765
49586
54544
22924986
27516269
31.03.2017
31.03.2018
@ 10%
9185
919
8266
827

0%
0
0
52200
7830
0
0
44370
6656
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
52636
45153
0
411650
0
432230
0
22960
0
24110

Sundry Debtors
6727100
40370
8083765
48440
24220
29070
0
7278936
0
8662768
0
290669
To
To
To
To

0
111804
87850
848894
0
122984
96640
977428
To
8749
7483
To
To
Bank Interest & Charges

Insurance
0
379130
1730
0
454960
1900
To
To
Income tax (provision)

Net profit
148262
1341310
211604
1658020
22924986
2017-2018
16148300
6727100
0
0
242225
TOTAL
2016-2017
27516269 TOTAL
PROJECTED BALANCE SHEET AS ON 31.03.2017 & 31.03.2018

LIABILITIES
CAPITAL ACCOUNT
31.03.2017
Opening Capital
2592994
Add: Net Profit

Less: Drawings
0
1341310
402390
Closing Capital
3531914
31.03.2018 ASSETS
FIXED ASSETS
0 Less: Depreciation
1658020
497410
TERM LOAN
0
Net Block
CURRENT LIABILITIES
Cash Credit Limit
Income Tax (Provision)
Sundry Creditors
TOTAL
Investments/Deposit
2000000
148262
1598760
7278936

211604
8662768 TOTAL

By
Signature
PKS
PROJECTIONS OF PERFORMANCE, PROFITABILITY AND REPAYMENT

PARTICULARS
1. Gross Sales/Receipts
Sales
Others
Total
31.03.2013
31.03.2014
31.03.2015
31.03.2016
31.03.2017
31.03.2018
3,022,897
3,022,897
5,026,251
5,026,251
11,500,000
11,500,000
13,570,000
13,570,000
16,148,300
16,148,300
19,377,960
19,377,960
2. Net Sales
Gross Sales/Receipts (GTO)
Less: Excise Duty
Net Sales
Add : Other Income
Total
3,022,897
3,022,897
37,110
3,060,007
5,026,251
5,026,251
37,407
5,063,658
11,500,000
11,500,000
40,980
11,540,980
13,570,000
13,570,000
45,078
13,615,078
16,148,300
16,148,300
49,586
16,197,886
19,377,960
19,377,960
54,544
19,432,504
3. Cost of Production
Materials Consumption
Packing Material Consumption
Power (Electricity & Fuel)
Wages(Unskill) & all
Production/Construction Loss
Sub - Total
Add: Opening Stock in Process
Less: Closing Stock in Process
Cost of Production
3,360,506
87,175
15,000
3,462,681
3,462,681
4,057,881
47,056
14,010
4,118,947
4,118,947
10,069,482
172,500
11,972
10,253,954
10,253,954
11,881,989
203,550
10,233
12,095,772
12,095,772
14,139,567
242,225
8,749
14,390,541
14,390,541
16,967,480
290,669
7,483
17,265,633
17,265,633
4. Cost of Sales
Cost of Production
Add: Opening Stock
Less: Closing Stock
Cost of Sales
3,462,681
1,066,765
1,988,019
2,541,427
4,118,947
1,988,019
1,798,620
4,308,346
10,253,954
1,798,620
4,697,083
7,355,491
12,095,772
4,697,083
5,615,465
11,177,390
14,390,541
5,615,465
6,727,100
13,278,906
17,265,633
6,727,100
8,083,765
15,908,968
5. Gross Profit ( Item2 - Item4 )
518,580
755,312
4,185,489
2,437,688
2,918,980
3,523,536
6. Operating & Administrative Expense
141,206
203,370
3,016,619
1,025,858
1,198,540
1,410,556
7. Interest & Bank Charges

on T/L (old)
on C/C
Sub - Total
139,607
139,607
161,374
161,374
270,000
270,000
318,600
318,600
379,130
379,130
454,960
454,960
8. Profit before Taxation [5-(6+7)]
237,767
390,568
898,870
1,093,230
1,341,310
1,658,020
59,887
98,646
148,262
211,604
9. Provision of Taxes
10. Net Profit ( 8 - 9 )
237,767
390,568
838,983
994,584
1,193,048
1,446,416
11. Net Cash Accruals

Net Profit
Add: Depreciation
Sub - Total
Add: Interest on Term Loan
Add: Pre-operative Exp.(Written Off)
Total
237,767
87,175
324,942
324,942
390,568
47,056
437,624
437,624
838,983
172,500
1,011,483
1,011,483
994,584
203,550
1,198,134
1,198,134
1,193,048
242,225
1,435,273
1,435,273
1,446,416
290,669
1,737,085
1,737,085
12. Repayment obligation

Old Term Loan
Add: Interest on Term Loan
Sub Total
13. Debt Service Coverage Ratio
DSCR (11 : 12)
14. Avg. DSCR (Last 7 Years)
N/A
N/A
N/A
N/A
N/A
N/A
N/A

By
PKS
ASSESSMENT OF WORKING CAPITAL / FORM II, OPERATING STATEMENT

SALES SIDE
Gross Sales [A]
(Including Other Income)
Cost of Production
Materials Consumption
Packing Material Consumption
Power (Electricity & Fuel)
Wages(Unskill) & all
Production/Construction Loss
Prime Cost
(Cost of Production)
Add: Opening Stock
Total
Less: Closing Stock
Cost of Sales
Add: Operating & Administrative
Expenses
Operating Cost [B]
Operating Profit (PBDIT)
[A-B] = [C]
PBDIT [C]
Less: Interest & Bank Charges
on T/L (old)
on C/C
Sub - Total [D]
Operating Profit after Interest
[C-D] = E
Less: Non Operating Expenses
Profit Before Tax (PBT) [F]
Less: Tax
Profit After Tax (PAT) [G]
Less: Drawings
Profit Retained
FINANCIAL INDICES
PBT/Sales
PAT/Sales
PBDIT/Sales
Interest/Total Cost
Ope.&Adm Exp./Total Cost
Raw Material Consumed(RMC)
RMC/Sales
31.03.2013
31.03.2014
31.03.2015
31.03.2016
31.03.2017
31.03.2018
3,060,007
5,063,658
11,540,980
13,615,078
16,197,886
19,432,504
3,360,506
87,175
15,000
3,462,681
4,057,881
47,056
14,010
4,118,947
10,069,482
172,500
11,972
10,253,954
11,881,989
203,550
10,233
12,095,772
14,139,567
242,225
8,749
14,390,541
16,967,480
290,669
7,483
17,265,633
1,066,765
4,529,446
1,988,019
2,541,427
1,988,019
6,106,966
1,798,620
4,308,346
1,798,620
12,052,574
4,697,083
7,355,491
4,697,083
16,792,855
5,615,465
11,177,390
5,615,465
20,006,006
6,727,100
13,278,906
6,727,100
23,992,733
8,083,765
15,908,968
141,206
2,682,633
203,370
4,511,716
3,016,619
10,372,110
1,025,858
12,203,248
1,198,540
14,477,446
1,410,556
17,319,524
377,374
551,942
1,168,870
1,411,830
1,720,440
2,112,980
377,374
551,942
1,168,870
1,411,830
1,720,440
2,112,980
139,607
139,607
161,374
161,374
270,000
270,000
318,600
318,600
379,130
379,130
454,960
454,960
237,767
237,767
237,767
176,340
61,427
390,568
390,568
390,568
643,833
(253,265)
898,870
898,870
59,887
838,983
269,660
569,323
1,093,230
1,093,230
98,646
994,584
327,970
666,614
1,341,310
1,341,310
148,262
1,193,048
402,390
790,658
1,658,020
1,658,020
211,604
1,446,416
497,410
949,006
7.77%
7.77%
12.33%
0.05
0.05
2,439,252
0.80
7.71%
7.71%
10.90%
0.04
0.05
4,247,280
0.84

By
PKS
7.79%
7.27%
10.13%
0.03
0.29
7,171,019
0.62
8.03%
7.31%
10.37%
0.03
0.08
10,963,607
0.81
8.28%
7.37%
10.62%
0.03
0.08
13,027,932
0.80
8.53%
7.44%
10.87%
0.03
0.08
15,610,815
0.80
ASSESSMENT OF WORKING CAPITAL-FORM-II / ANALYSIS OF BALANCE SHEET-FORM-III

LIABILITIES SIDE
31.03.2013
31.03.2014
31.03.2015
31.03.2016
31.03.2017
31.03.2018
CURRENT LIABILITIES
Cash Credit : Stock / Debtors
Short Term Loan from Others
Sub - Total [A]
998,703
998,703
897,136
897,136
2,000,000
2,000,000
2,000,000
2,000,000
2,000,000
2,000,000
2,000,000
2,000,000
Sundry Creditors (Trade)

Expenses Creditors
Statutory Liabilities ( IT etc.)
Advance from Customers
Term Loan (Repayable in 1 yr.)
Others
Sub - Total [B]
196,883
196,883
265,518
265,518
1,321,290
59,887
1,381,177
1,453,420
98,646
1,552,066
1,598,760
148,262
1,747,022
1,758,640
211,604
1,970,244
1,195,586
1,162,654
3,381,177
3,552,066
3,747,022
3,970,244
Total Current Liabilities

[A+B] = C
TERM LIABILITIES
Term Loan
Term Loan from Others
Other Term Liabilities
Sub - Total [D]
Net Worth
Opening Capital
Capital Introduced
Net Profit (As per P/L A/c)
Less: Drawings
Closing Capital (Net Capital)
Branch A/c
Unsecured Loan as Quasi Capi.
Sub - Total [E]
1,390,362
237,767
176,340
1,451,789
1,451,789
1,451,789
390,568
643,833
1,198,524
1,198,524
1,198,524
898,870
269,660
1,827,734
1,827,734
1,827,734
1,093,230
327,970
2,592,994
2,592,994
2,592,994
1,341,310
402,390
3,531,914
3,531,914
3,531,914
1,658,020
497,410
4,692,524
4,692,524
Total Liabilities [C+D+E]
2,647,375
2,361,178
5,208,911
6,145,060
7,278,936
8,662,768
1,195,586
1,162,654
3,381,177
3,552,066
3,747,022
3,970,244
1,451,789
0.82
0.06
1,198,524
0.97
0.07
1,827,734
1.85
0.13
2,592,994
1.37
0.12
3,531,914
1.06
0.11
4,692,524
0.85
0.10
FINANCIAL INDICES
Total Outside Liabilities
( TOL ) = [C] + [D]
Total Tangible Net Worth
( TNW ) = [E]
TOL / TNW
Trade Creditors / Purchase
ROCE
(Return On Capital Employed)

By
PKS
ASSESSMENT OF WORKING CAPITAL-FORM-II / ANALYSIS OF BALANCE SHEET-FORM-III

ASSETS SIDE
CURRENT ASSETS
Advance Payment
Loans & Advances
Closing Stock
Sundry Debtors
Other Current Assets
Advance to Suppliers
Advance Tax Payment
Total Current Assets [A]
31.03.2013
31.03.2014
31.03.2015
31.03.2016
31.03.2017
31.03.2018
80,668
54,326
1,988,019
48,094
2,171,107
112,317
1,798,620
11,050
1,921,987
20,830
4,697,083
28,750
17,250
4,763,913
21,870
5,615,465
33,930
20,360
5,691,625
22,960
6,727,100
40,370
24,220
6,814,650
24,110
8,083,765
48,440
29,070
8,185,385
NON CURRENT ASSETS

Security Deposit
Investments/Deposit
Deferred Receivable
Others
Total Non Current Assets [B
50,000
328,668
378,668
355,601
355,601
373,380
373,380
392,050
392,050
411,650
411,650
432,230
432,230
FIXED ASSETS
Fixed Assets
Less: Depreciation
Less: Decrease / Disposal
Net Block [C]
112,600
15,000
97,600
97,600
14,010
83,590
83,590
11,972
71,618
71,618
10,233
61,385
61,385
8,749
52,636
52,636
7,483
45,153
2,647,375
2,361,178
5,208,911
6,145,060
7,278,936
8,662,768
1.41
1,382,736
0.07
123
1
284,267
3,779,229
2,300,000
2,059,887
161
16
0
0
4
11,500,000
3,381,177
838,983
1,168,870
2,000,000
270,000
1,321,290
1.60
2,139,559
0.07
124
1
121,633
4,517,820
2,714,000
2,098,646
221
23
0
0
4
13,570,000
3,552,066
994,584
1,411,830
2,000,000
318,600
1,453,420
1.82
3,067,628
0.07
125
1
140,032
5,411,958
3,229,660
2,148,262
307
33
0
0
5
16,148,300
3,747,022
1,193,048
1,720,440
2,000,000
379,130
1,598,760
2.06
4,215,141
0.07
125
1
162,672
6,503,342
3,875,592
2,211,604
429
47
0
0
5
19,377,960
3,970,244
1,446,416
2,112,980
2,000,000
454,960
1,758,640
TOTAL ASSETS
[A+B+C]
FINANCIAL INDICES
Current Ratio (CA / CL)
1.82
1.65
NWC (CA - CL)
975,521
759,333
PAT/Net Sales
0.08
0.08
Stock Holding (Days)
197
107
SD Holding (Days)
1 Month's Expense
31,916
35,484
CC (Holding)
1,590,415
1,438,896
CC (Nayak Committee)
604,579
1,005,250
CC (NWC)
998,703
897,136
Net Sales/TTA
31
60
PBDIT/TTA
4
7
Bank Finance/TCA
0
0
Sundry Creditors/TCA
0
0
PBDIT/Interest
3
3
Net Sales
3,022,897
5,026,251
Current Liabilities
1,195,586
1,162,654
PAT
237,767
390,568
PBDIT
377,374
551,942
Bank Finance
998,703
897,136
Interest
139,607
161,374
Sundry Creditors
196,883
265,518
By
PKS
Particulars
COMPUTATION OF MAXIMUM PERMISSIBLE BANK FINANCE FOR WORKING CAPITAL/FORM-V

31.03.2013 31.03.2014 31.03.2015 31.03.2016 31.03.2017
31.03.2018
1. Total Current Assets

2. Total Current Liabilities without Bank
Loan
3. Working Capital Gap ( 1-2)
2,171,107
196,883
1,974,224
1,921,987
265,518
1,656,469
4,763,913
1,381,177
3,382,736
5,691,625
1,552,066
4,139,559
6,814,650
1,747,022
5,067,628
8,185,385
1,970,244
6,215,141
4. Margine-25% of Working Capital

(25% of Item3)
5. Item3 minus Item4
6. Surplus (NWC)
7. Item3 minus Item6
493,556
1,480,668
975,521
998,703
414,117
1,242,352
759,333
897,136
845,684
2,537,052
1,382,736
2,000,000
1,034,890
3,104,669
2,139,559
2,000,000
1,266,907
3,800,721
3,067,628
2,000,000
1,553,785
4,661,356
4,215,141
2,000,000
998,703
897,136
2,000,000
2,000,000
2,000,000
2,000,000
9. Maximum Permissible Bank Finance

(Item5 or 7 whichever is less)
Annexure-II
ASSESSMENT OF WORKING CAPITAL
On the basis of Projected Year
2015-2016
[I]
[II]
[III]
Fund based working capital limits :

(The method of assessment as applicable should be adopted)
Under Projected Turnover Method for others up to WC limits of 2.00 crore :
Accepted level of projected sales for the year
[A]
Maximum permissible working capital finance @ 25% of [A]
[B]
Less required minimum Promoter's contribution @ 5% of [A]
[C]
[D]
Projected Net working capital (CA - CL) of Last Year/ or Surplus (NWC)
Higher of (C) & (D)
[E]
Eligible Bank Finance
[B] - [E]
2,009,764
13,570,000
3,392,500
678,500
1,382,736
1,382,736
2,009,764
Under Projected Turnover Method for SSI Units up to WC limits of 5.00 crore :
Accepted level of projected sales for the year
Therefore, Eligible bank finance at 20% of [A]
13,570,000
2,714,000
Stock Holding Method

Particulars
Period (Days)
Average level of stocks

Average level of debtors
One month's expenses
Others if any
Working Capital Required (Holding)
WORKING CAPITAL REQUIRED
124
1
Sundry Creditors
NWC available (Previous Year)
Working Capital Required After NWC)
Eligibility for Bank fiannce
Recommended Bank Finance
Deficit
1453420
1382736
2934872
2934872
2000000
934872
Value
5615465
33930
121633
5771028
Margin%
25.00%
40.00%
100.00%
100.00%
Margin
Amount
1403866
13572
121633
0
Permissible
Amount
4211599
20358
0
0
4231957
[IV]. Comments of Working capital Assessments:

The unit is elligible for WC of more than Rs. 2009764, but the unit has applied for WC of Rs.2000000 only. The deficit amount will be
met by better management of receivables. Therefore we reccomend for sanction of WC of Rs.2000000 only.
[V]. Comments of Stock holding and sales:
The stock holding period of the unit has projected 124 days and for debtors 1 day, which seems justified and acceptable as per nature
of the business of the unit.
[VI]. Brief Comments on Marketing Aspects:
The unit purchases stocks from local or nearby market or Kolkata and sales/(or use in works contract) them locally and W. B. state.
By
PKS
CASH / FUND FLOW STATEMENT/FORM-VI

Particulars
A
31.03.2013
Source of Funds
1 Net Profit ( Before Tax)
2 Other Income
31.03.2014
Total Sources ( A )
Disposition of Funds ( Uses )

1 Increase (+) / Decrease (-) in
Total Current Assets
Less: Increase (+) / Decrease (-)
in Total Current Liabilities
(Other than Bank Borrowing)
1,146,798
1,439,986
1,815,080
37,110
37,407
40,980
45,078
49,586
54,544
1,390,362
15,000
998,703
14,010
6 Increase in Investment/Depos
2,073,593
1,202,109
1,498,321
1,877,107
2,171,107
(249,120)
2,841,926
927,712
1,123,025
1,370,735
196,883
1,974,224
68,635
(317,755)
1,115,659
1,726,267
170,889
756,823
194,956
928,069
223,222
1,147,513
112,600
50,000
328,668
Total Disposition ( B )
Difference
(50,000)
26,933
176,340
2,641,832
0
643,833
303,011
0

By
PKS
7,483
303,011
8,749
2,641,832
7 Income Tax
8 Drawings
10,233
1,102,864
3 Repayment of T/L (New)
5 Increase in Security Deposit
11,972
(101,567)
2 Repayment of T/L (Old)
4 Assets (Increasing)
31.03.2018
917,777
5 Increase in Unsecured Loan
8 Increase / Decrease in C/C
31.03.2017
353,161
4 Increase in Term Loan (New)
7 Depreciation
31.03.2016
200,657
3 Increase in Term Loan (Old)
6 Capital Introduced
31.03.2015
17,779
18,670
19,600
20,580
59,887
98,646
148,262
211,604
269,660
327,970
402,390
497,410
2,073,593
0
1,202,109
0
1,498,321
0
1,877,107
0
APPRAISAL NOTE FOR SME CREDIT CARD

(Quantum of Finance Maximum Rs.25.00 lakhs)
Proposal for Sanction
Cash
of: Credit of Rs.
CREDIT SCOR
41
Out of 60
1.Name of the unit
2. Constitution & Registration No. of the
unit. ( if applicable)
2a. SSI Registration No.
2b. VAT Registration No.
3.Name of the Proprietor/ Partners
/Directors
4. Address of the Prop./Part./Directors
5. Business Address
6. Nature of activity
7. Year of incorporation
8. Banking with us since
9. IRAC Status
10. Details of Associate/Sister concern
and their Bankers, Any NPA's among
associates?
11. Date of last sanction (Not applicable
for fresh exposures)
12. Position of the account as on
Facility
Limit
M.V.
60
Segment:
68% (Minimum 60% marks) (annexure-I)
PROPRIETORSHIP
SWADHIN CHOUBEY
14.Brief
History (Brief
bullet points
only) (on
Management
, products,
marketing
15. Performance
and Financial Indicators
tie-up
etc.,)
Years
Sales Income
Profit
Profit/Net sales%
Tangible Net Worth
TOL/TNW
Current Ratio
Comments:
Rs.
Rs.
SME
N/A
Registered
MAIN ROAD, PAKUR- 816107

TRADING
0
0
NA
Not any
A.V.
13. Details of Limits as on date. (Rs.)
15a. Evaluation of loan during

last 12 months
Interest/ Exchange/ Commission
Annual turnover estimated
Annual Credit Summation
2,000,000 ./- only
D.P.
O/S
Irregularity if any
Existing Limits
Proposed Limits
CC(Hyp)
897136 CC(Hyp)
2000000
TL
0 TL
LC/BG
0 LC/BG
0
Total
897136 Total
2000000
Applicant has been engaged in the same prudence of business since
long. Applicant is young, educated, energetic and enthusiastic person
with good reputation & moral in the market. The unit is showing rising
trends. As per relation with bank and increase in transaction we
recommend for said cash credit limit.
2012-2013
2013-2014
2014-2015
2015-2016
2016-2017
ACTUAL
ACTUAL
ESTIMATED
PROJECTED
PROJECTED
3022897
5026251
11500000
13570000
16148300
237767
390568
898870
1093230
1341310
7.87%
7.77%
7.30%
7.33%
7.39%
1451789
1198524
1827734
2592994
3531914
0.82
0.97
1.85
1.37
1.06
1.82
1.65
1.41
1.60
1.82
Sales and Profit are in rising trend, TOL/TNW and Liquidity ratio is
healthy and accurate to Bank.
Rs. 2.70
Rs. 115.41
Rs.
lac
lac
lac
(At least 50% should be routed in the

The unit has sufficient total turnover during last financial year and has
account, other wise sanctioning authority assured to increase the routing of sales proceed through the account.
has to take a view on continuation of
facility)
16. Project Details (If term loan is
17. Working Capital Requirement
NA
Requirement of Working capital limit of unit has been assessed as per
the Projected balance sheet method/ traditional method as per the
workings as on annexure-II.
18. Comments on conduct of Account

(covering irregularities, non-compliance
etc)
18a. Comments on summations vis-avis
Sales:
Not any specific

NA
19. Whether (a) the name(s) of the

Not observed
individual/Directors appear(s) in RBI's list
of defaulters/ RBI's list of willful defaulters
& (b) the Individual/Directors name
figures in ECGC's caution list :
PARTICULARS
RBI's Willful Defaulters list (Non-suit Filed)
Rs 25 lacs and above
CIBIL's list , Rs 25 lacs and above
ECGC's caution list
20. Comments on I & A and other audit
reports, which have an impact on credit
risk
NAME OF REPORT
DATE
POSITION
DATE OF REPORT
SERIOUS IRREGULARITIES/ ADVERS

FEATURES REMAINS UNATTENDED
Comments on last I & A report & its

present status
Company's audited Balance Sheet
21. If the unit has scored less than 60%
The unit has scored
68%
aggregate of marks and
marks in any of the individual parameters
in SME Smart Score, please comment
above 50% marks in each parameters. As it is above the
critically on those parameters (even
though the aggregate score may be more benchmark of 60%, hence it is acceptable to Bank.
than 60%)
22. PROPOSAL FALLS WITHIN THE DISCITIONERY POWER OF THE DEPUTY MANAGER AS THE TOTAL
EXPOSURE OF THE PROPOSAL IS
RS
2,000,000 ./- ONLY UNDER THE SME SEGMENT.
23. Recommendations
The proposal bears a normal and fair banking risk but keeping in view applicant's experience, good credit
in market, it is recommended the said limit under SMECFL scheme subject to Terms & Conditions as set
out in Annexure- IV.
Recommended for sanction of,
Cash Credit
###
only
Signature
Designation
Office
Appraised by
Sanctioned by
Processing Officer
BANK OF BARODA, PAKUR
Chief Manager
Annexure-I
CREDIT SCORING CRITERIA

1. Personal Details
Srl.No. And Parameters
Max Marks
1. Age
2. Nos. of Children
3. Owning House
4. Academic Qualification
5. Experience in line of trade
6. Spouse details
7. Assessed For Income Tax
8. Deposit Account with Bank
9. Has Life Insurance Policy
TOTAL
Minimum Score should be 15 Marks
30
Marks
scored
Criteria
Marks
18-24
3
25-49
5
5
50-59
1
60 & above
0
Up to 3
2
2
>3
0
Own
5
5
Not owning
0
Professional
4
Graduates/PG
2
1
Metric
1
Below Matric
0
More than 5 yrs
5
2-5 years
3
5
< 2 years
0
Employed
1
0
Home Maker
0
Assessed
2
2
Not assessed
0
More than 3 yrs
5
>6 months-3 years
2
2
< 6 months
0
Yes
1
1
No
0
Normalized out of 30
23
Marked score
23
out of 30
Total (After defraying not applicable points)
30
2. Business Score
2A. For existing units which have not so far availed any loan from the Bank. If takeover from another Bank, takeover
norms, prescribed by the Bank are to be first evaluated and fulfilled.
More than 5 yrs
5
3 Years to < 5 yrs
3
1. Years in Business
5
5
1 Year to < 3 yrs
1
Last 5 years
5
Last 3 years
3
2. Continuous Profits
5
5
Last year
1
Last 3 years
5
3. Sales show rising trend
5
5
Last 2 years
3
Owned/Leased > 5 yrs
3
4. Factory Premises
3
0
Rented
0
Specialized
2
5. Know-how
2
0
Last 2 years
0
Priority Sector
1
6. Line of activity
1
0
Non-priority
0
Low
4
Medium
2
7. Competition
4
2
High
0
Less than 2
5
> 2 but up to 3
4
8. TOL/TNW (Quasi equity to be added to
5
NA
TNW and reduced from TOL)
> 3 but up to 4
2
More than 4
1
Up to 3 months of Sales
5
> 3 but up to 4 m of Sales
1
9. (a) Quality of receivables
5
NA
> 4 m of Sales
0
5
9. (b) Quality of finished goods (Inventory)
10. Repayment Period (Not Applicable for

WC Loan)
NA
11. Gross DSCR (Not Applicable for WC

Loan)
NA
50
18
TOTAL

> 2 m of Sales
> 2 m of Sales
> 2 m of Sales
1
0
5
3
0
5
2
0
Marked score
18
out of 30
30
2B. For Greenfield Ventures: NA

1. Branch is in the know of Business
includes cases where the project is
appraised by the consultants of repute)
10
NA
2. Manufacturing/Servicing/Trading process
is well known to applicant to
produce/service/trade the required quality
and quantity of the product.
3. Location Advantage
NA
4. Availability of utilities including labour
NA
5. Firm's capacity to sell the product at the

price and quantity
NA
6. Line of activity
NA

NA
8. (a) Quality of receivables as per

projection
NA

as per projections
NA
9. Repayment Period (Not Applicable for WC

Loan)
NA
10. Gross DSCR (Not Applicable for WC

Loan)
NA
50
TOTAL
NA
Yes
10
No
Yes
No
Yes
No
Easy
OK
Good
OK
Priority Sector
Non-priority
Less than 1
1 to 2
2 to 3
More than 3
> 4 m of Sales
> 2 m of Sales
> 2 m of Sales
> 2 m of Sales
0
2
0
2
0
5
0
1
0
5
4
3
0
5
1
0
5
1
0
5
3
0
5
2
0
Marked score
0
out of 0
0
3. Collateral Conditions
15
NA
> 75%
> 50% & < 75%
> 25% & < 50%
< 25%
0%
15
10
5
3
0
2. Residential property as part of

TOTAL
NA
20
Yes
No
5
0
Marked score
0
out of 0
0
Note : Proposal is under SMECFL scheme covered under CGTMSE so no Collateral is asked for.
PRE-SANCTION SURVEY REPORT

1. Name of the unit :
2. Address of the unit:
3. Address of the Office:
4. Name of the Prop.:
4a. Address of the Prop.
4b. Purpose of visit:

SWADHIN CHOUBEY
Pre-sanction survey of unit, collateral security and residence of borrower
and guarantor.
Name of the person who was interviewed and his relationship with the unit
Name of the person
Address
Relation with the unit
5. VISIT TO FACTORY/ WORKS:

i). Date of visit :
ii) Stock (Apx. Value)
iii) Books of Accounts
Maintained
iv) Details of existing charge on Assets
No
v) Level of Activity
TRADING
6. VISIT TO OFFICE:
i) Date of visit:
ii) Observations
Firm is at prime location and the location in the market is good. Business
is in rising trend. Applicant's relatives also help in his activity.
7. VISIT LOCAL RESIDENCE OF PROMOTER:
i) Date of visit:
ii) Observations
Applicant/ Promoter is permanent resident of
He has been residing at above mentioned address since long.
His creditworthiness is fair in the market.
8. MARKET OPINION:
i) Date of visit:
ii) Observations
Based on the indicated parameters--Talked to Neighbors, Competitors, Customers and Other Banks.
9. GENERAL REMARKS/ CONCLUSIONS:
Applicant/ Promoter/ Proprietor is young, energetic and laborious.
Remarks: From our survey it is found that both borrower and guarantor enjoy good market
reputation and nothing adverse has been heard against them as per enquiry made from local
people.
As per Pre-sanction survey done, the unit is considered acceptable for banks finance.
Credit Officer
ARRANGEMENT LETTER
To
Name-SWADHIN CHOUBEY
Dear Sir,
In context of your loan application of Rs.
2,000,000 ./- only, we are please to advise that your
loan proposal has been sanctioned/ renewed by us.
1.The above sanction is valid for 12 months and subject to completion of other formalities along with
fulfilment of Terms & conditions and documentation.
2.Terms & Conditions:
Particulars
Stipulations
1.Facility & Limits
./- only.
2,000,000
Cash Credit for Rs.
2.Security
Primary
Collateral
Hypothecation of stocks & receivables.
Guarantor
0
0
0
3.Interest(Linked to
0.75% above SBAR
SBAR/BASE rate)
Term Loan:NA
4.Processing fee/ Upfront
Cash Credit/ BG/ LC Rs.500.00/ per lac
fees
NA
5.EM Charges
NA
6.Penal Interest
2% on entire outstanding amount
7.Margin(%)
Cash Credit=25%
Term Loan=NA
BG/ LC=NA
8.Repayment
Cash Credit: on demand
Term loan: NA
9.Validity of Sanction
WC loan is valid for 3 years, but is subject to annual review.
10.Inspection
Quarterly/Half yearly at random basis.
11.Stock Statement
Quarterly
12.Insurance
Stocks/Equipment to be insured for full market value for all possible risks with bank
clause.
Please return the duplicate copy
of this letter duly signed as token of acceptance of terms and
conditions of the sanction.
Branch Manager

OPINION REPORT
1. Date of Report:
2. Name of the Branch:
3. Name of the inspecting official:
4. Name of the Applicant:
5. Father/ Husband's Name:
7. Address of the Applicant:
0
8. Age:
9. activity:
10. Annual Income:
34 YEARS
CC(Hyp)
SWADHIN CHOUBEY
SISIR KUMAR CHOUBEY
11: Assets:
i) MOVABLE ASSETS
a. Cash A/c.
b. Bank Deposit A/C
c. Vehicle
d. Other Liquid (KVP, NSC, IVP, LIC)
Particulars:e. Gold Ornaments
f. House hold goods
g. Others
ii) IMMOVABLE ASSETS
a. Land and Building
Particulars:
TOTAL ASSETS
12.Liabilities:
a. Loan from bank
Particulars:
b. Other liabilities
Particulars:
TOTAL LIABILITIES
13. NET MEANS (Asset Liabilities)
14. REMARKS:
Place :
Date:
Rs.
Rs.
Rs.
Rs.
0.00
0.00
0.00
Rs.
Rs.
Rs.
Rs.
Rs.
0.00
Rs.
0.00
Rs.
Rs.
0.00
Rs.
0.00
After perusal of the relative documents and on discreet enquiries made by me it is observed that
SWADHIN CHOUBEY, aged 34 YEARS and resident of MAIN ROAD, PAKUR- 816107 is a person of
integrity. His net means has been arrived Rs. 0 and he has capacity to repay the above mentioned loan.
Credit Officer
CONTROL RETURN
Branch
Date of Sanction
Name of the Borrower

0
SWADHIN CHOUBEY
Name of the proprietor

Address of the unit
Line of activity
Constitution
Name of scheme/ facility
New / Renewal /Enhancement
Sanctioned limit
Segments
Year ended on
Sales
Net Profit
TNW
TOL/TNW
NWC
Current Ratio
TRADING
PROPRIETORSHIP
SME Credit Card Scheme
Enhancement
2,000,000.00
SBF
31.03.2015
ESTIMATED
11500000.00
898870.00
1827734.00
1.85
1382736.00
1.41
31.03.2016
PROJECTED
16148300.00
1341310.00
3531914.00
1.06
3067628.00
1.82
Collateral Security offered
Name of Guarantors
0
0
0
25% on Cash credit
0.75% above SBAR
Cash Credit on demand
% Margin
Rate of interest p.a.
Repayment programme if any
Remarks: The proprietor is experienced in this line of activity. The financials of the unit are satisfactory.
Processed by
Sanctioned by
Processing Officer
Chief Manager
ANNUAL REVIEW OF SME CREDIT CARD

PROPOSAL FOR REVIEW OF WC AND TERM LOAN SANCTIONED UNDER SME CREDIT CARD
SCHEME.
1.Name of the unit
2. Constitution & Registration No. of the PROPRIETORSHIP
unit. ( if applicable)
SWADHIN CHOUBEY
3.Name of the Proprietor/ Partners
/Directors & Address
4. Business Address
5.Nature of activity
6. Date of last sanction/ review
7. IRAC position as on date
8.Present Position of Accounts as on
date of review.
(Rs.)
TRADING
Standard
Facility
CC(Hyp)
Total
9. Conduct of WC a/c (Rs.)
Annual turnover estimated
Annual Credit Summation
Interest/ Exchange/ Commission
(At least 50% should be routed in the
account, other wise sanctioning
authority has to take a view on
continuation of facility)
Limit
DP
2000000
0
0
2000000
Rs. 11500000
Rs. 0.00
Rs. 0.00
10.a) Whether earlier sanctioned terms

complied with?
b) Comments on non-achievement of
estimated sales/profit.
c)No.of times the account was irregular
last year and reasons.
O/S
Irregularity
0
0
0
0
./././-
N/A
11.Comments
(from
risk angle)
Recommendations
:
As per above facts and terms and conditions as already set out in the original sanction note dated
12.12.2012, we recommend for review of the facility for one year.
Appraised by
Sanctioned by
Signature
Designation
Date
Office
Processing Officer
Chief Manager
State Bank of India
Home
1. Please Input Basic Information at first.

2. If business is new and yet to be started, then no need to
input in
boxes for Assets,
Liabilities, Trading & P/L Account and
Depreciation. But you have to fill the value of
Fixed Assets for depreciation (Rate also) of current financial
year in the
boxes.
3. Please do not try to fill
or
or
or
or
and
colour of boxes, these are automated.

4. Please do not forget to select constitution and activity of Unit.
5. Reflection portion shows the result.
6. Please input appropriate rate of interest.
7. Use this utility at your own risk, I will be not responsible
for any type of loss or damage at all.
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Make Balance Sheet for CC upto 2 cr. easly

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Make Balance Sheet for CC upto 2 cr. easly

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Make Balance Sheet for

CC upto 2 cr. easly

By: PRAMOD KUMAR SINHA, Advocate (IT), Pakur- 816107.

SHEET UTILITY FOR CASH CREDIT FACILITY (WITH CMA DATA)

SELECT PAGE &

EVIOUS YEARS ONLY)

M/S HINDUSTAN HARDWARE

Prepared as per information of the Applicant

1. Name of the Unit

: M/S HINDUSTAN HARDWARE

: MAIN ROAD, PAKUR- 816107

4. DIC Registration No. (if any)

5. Name & Address of the

6. Background of the Applicant

: The applicant has been running the business

8. Nature of Facilities Sought

Prepared as per information of the Applicant

Madhpara, Pakur- 816107, Mob.- 9431549555

M/S HINDUSTAN HARDWARE

LOAN REPAYMENT SCHEDULE

Rate of Interest P.A.

Starting Date for Repayme

DETAIL REPAYMENT SCHEDULE

DETAIL REPAYMENT SCHEDULE

M/S HINDUSTAN HARDWARE

1988019 By Net Sales/Receipts

Other Direct Expenses

Rent (as per agreement)

Depreciation on F/A (old)

Bank Interest & Charges

Closing Stock with RM

Cash & Bank Balances

ACTUAL BALANCE SHEET AS ON 31.03.2013 & 31.03.2014

Add: Net Profit

1198524 Plant & Machineries

897136 CURRENT ASSETS

Prepared as per information of the Applicant

M/S HINDUSTAN HARDWARE

Other Direct Expenses

Rent (as per agreement)

To Bank Interest & Charges

4697083 By Net Sales/Receipts

ESTIMATED & PROJECTED BALANCE SHEET AS ON 31.03.2015 & 31.03.2016

M/S HINDUSTAN HARDWARE

6727100 By Net Sales/Receipts

4692524 Plant & Machineries

Closing Stock with RM

Cash & Bank Balances

Other Direct Expenses

Rent (as per agreement)

Depreciation on F/A (old)

Bank Interest & Charges

Income tax (provision)

PROJECTED BALANCE SHEET AS ON 31.03.2017 & 31.03.2018

Add: Net Profit

2000000 CURRENT ASSETS

Prepared as per information of the Applicant

M/S HINDUSTAN HARDWARE

PROJECTIONS OF PERFORMANCE, PROFITABILITY AND REPAYMENT

5. Gross Profit ( Item2 - Item4 )

6. Operating & Administrative Expense

7. Interest & Bank Charges