Ashok kumarji Mangilalji Malwi, Village Dhamdi (Jaora)

Project Cost

Sl. Particulars Total

No.

1 Vehicle
B. SLX ( Mahindra) 6.87

6.87

Total 6.87

Means of finance

Annexure No. 2

Sl. n Particulars Total

1. Margin Money @ 33.33% 2.29

(Under Rani Durgawati Scheme)

2. Term Loan from Bank 4.58

Total 6.87
0.00
 Ashok kumarji Mangilalji Malwi, Village Dhamdi (Jaora)
PROFITABILITY STATEMENT
(Rs. in lacs)
PROJECTIONS
SL. Particulars First Second Third Fourth Fifth
NO. year year year year year

Gross Collection 5.40 5.40 5.40 5.40 5.40

Less:- Excise Duty 0.00 0.00 0.00 0.00 0.00

Net Sales 5.40 5.40 5.40 5.40 5.40

Cost of Operation :
1 Fuel Cost 1.95 1.95 1.95 1.95 1.95

2 Insurance Premium 0.15 0.15 0.15 0.15 0.15

3 Maitenance Exp. 0.27 0.27 0.27 0.27 0.27

4 Salary 0.48 0.48 0.48 0.48 0.48

5 Deperciation 0.81 0.81 0.81 0.81 0.81

6 Interest on T.L. 0.56 0.44 0.32 0.20 0.08

Total 4.22 4.10 3.98 3.86 3.74

7 Profit before tax 1.18 1.30 1.42 1.54 1.66

8 Less Income tax 0.00 0.00 0.00 -0.02 -0.04

9 Profit after tax 1.18 1.30 1.42 1.52 1.62

10 Less Drawing 0.00 0.00 0.00 0.00 0.00

11 Profit after Drawing 1.18 1.30 1.42 1.52 1.62

12 Add: Depreciation 0.81 0.81 0.81 0.81 0.81

13 Add Drawing 0.00 0.00 0.00 0.00 0.00

14 Cash accruals 1.99 2.11 2.23 2.33 2.43

15 Add Interest on Term Lo 0.56 0.44 0.32 0.20 0.08

16 Amount available to finan 2.55 2.55 2.55 2.53 2.51

17 Repayment obligation 1.46 1.36 1.24 1.12 1.00

18 DSCR 1.74 1.87 2.06 2.26 2.52

29 Average DSCR 2.09

 Ashok kumarji Mangilalji Malwi, Village Dhamdi (Jaora)

Computation of Income Tax Payble

(Rs. in lacs)

PROJECTIONS
SL. Particulars First Second Third Fourth Fifth
NO. year year year year year

Profit before tax 1.18 1.30 1.42 1.54 1.66

(Book Profit)

Add : Depreciation(SLM) 0.81 0.81 0.81 0.81 0.81

Less: Depreciation(wdv) 1.03 0.88 0.74 0.63 0.54

0.96 1.23 1.49 1.72 1.94

Less Unabsorbed Depreciati 0.00 0.00 0.00 0.00 0.00

- - - - -
Taxable Profit 0.96 1.23 1.49 1.72 1.94

Income Tax Payble 0.00 0.00 0.00 0.02 0.04

 Ashok kumarji Mangilalji Malwi, Village Dhamdi (Jaora)
PROJECTED BALANCE SHEETS
(Rs. in lacs)
PROJECTIONS
SL. Particulars First Second Third Fourth Fifth
NO. year year year year year

(A) LIABILITIES :
O1 Margin Money 0.00 1.18 2.48 3.90 5.42
Add Net Profit 1.18 1.30 1.42 1.52 1.62
1.18 2.48 3.90 5.42 7.04
Less Withdrawals 0.00 0.00 0.00 0.00 0.00
Net Capital 1.18 2.48 3.90 5.42 7.04

O2 Margin 2.29 2.29 2.29 2.29 2.29

Under Rani Durgawati Scheme)
Total Equity 3.47 4.77 6.19 7.71 9.33

O3 Term Loan from Bank 2.76 1.84 0.92 0.00 0.00

O4 Term Loan repayble within year 0.92 0.92 0.92 0.92 0.00

O5 Cash Credit limit 0.00 0.00 0.00 0.00 0.00

O6 Sundry Creditors 0.00 0.00 0.00 0.00 0.00

TOTAL 7.15 7.53 8.03 8.63 9.33

(B) Assets :
O1 Gross block 6.87 6.87 6.87 6.87 6.87
Add Addition

O2 Less : Depreciation -0.81 -1.62 -2.43 -3.24 -4.05

O3 Net block 6.06 5.25 4.44 3.63 2.82

O4 Current Assets 0.75 1.50 2.50 3.50 4.50

O5 Other current assets 0.00 0.00 0.00 0.00 0.00

O6 Other non-current assets 0.00 0.00 0.00 0.00 0.00

O7 Preliminary & Pre-

operative expenses 0.00 0.00 0.00 0.00 0.00

O8 Cash & Bank Balance 0.34 0.78 1.09 1.50 2.01

TOTAL 7.15 7.53 8.03 8.63 9.33

 Ashok kumarji Mangilalji Malwi, Village Dhamdi (Jaora)
CASH FLOW STATEMENT
(Rs. in lacs)
PROJECTIONS
SL. 0 First Secon Third Fourth Fifth
NO. Particulars 0 year year year year year

A. Sourse of funds :-

1. Profit before tax & Interest 1.74 1.74 1.74 1.74 1.74
2. Prel. exp. Dr. to P & L (add back) 0.00 0.00 0.00 0.00 0.00
2. Capital 0.00 2.29 0.00 0.00 0.00 0.00
3. Depreciation 0.81 0.81 0.81 0.81 0.81
4. Subisidy from KVIC 0.00 0.00 0.00 0.00 0.00 0.00
5. Increase in Working capital Limit 0.00 0.00 0.00 0.00 0.00
6. Decrease in current assets 0.00 0.00 0.00 0.00 0.00
7. Increase In Term Loan 0.00 4.58 0.00 0.00 0.00 0.00
8. Increase In Mortagage Loan 0.00 0.00 0.00 0.00 0.00
9. Decrease in other current assets 0.00 0.00 0.00 0.00 0.00
10. Increase in Current Liabilitites 0.00 0.00 0.00 0.00 0.00

Total 0.00 9.42 2.55 2.55 2.55 2.55

B. Application of funds :

1. Capital expenditure 6.87 0.00 0.00 0.00 0.00

2. Increase in Current assets 0.75 0.75 1.00 1.00 1.00
3. Decrease in current Liabilities 0.00 0.00 0.00 0.00 0.00
4. Decrease in Term Loan 0.90 0.92 0.92 0.92 0.92
6. Interest 0.56 0.44 0.32 0.20 0.08
7. Income tax 0.00 0.00 0.00 0.02 0.04
8. Increase in other current assets 0.00 0.00 0.00 0.00 0.00
9. Decrease in unsecured Loan 0.00 0.00 0.00 0.00 0.00
10. Decresase in Working capital Limit 0.00 0.00 0.00 0.00 0.00
11. Preliminary Exp. 0.00 0.00 0.00 0.00 0.00 0.00
12. Increase in other non current assets 0.00 0.00 0.00 0.00 0.00
13. Drawing 0.00 0.00 0.00 0.00 0.00

C. Total 0.00 9.08 2.11 2.24 2.14 2.04

Opening balance 0.00 0.00 0.34 0.78 1.09 1.50

D. Net surplus 0.00 0.34 0.44 0.31 0.41 0.51
E. Closing balance 0.00 0.34 0.78 1.09 1.50 2.01
 Ashok kumarji Mangilalji Malwi, Village Dhamdi (Jaora)
Future Performance Indicators

PROJECTIONS
SL. Particulars First Second Third Fourth Fifth
NO. year year year year year

1 Debt-Equity ratio 0.80 0.39 0.15 0.00 0.00

------------------
Debt / 2.76 1.84 0.92 0.00 0.00
Equity 3.47 4.77 6.19 7.71 9.33

2 Return on Investment 19% 20% 20% 20% 18%

(Before Income Tax)
Net profit before tax / 1.18 1.30 1.42 1.54 1.66
Investment (including term loa 6.23 6.61 7.11 7.71 9.33

3 Return on Net Worth :- 34% 27% 23% 20% 17%

---------------------
Net profit after tax / 1.18 1.30 1.42 1.52 1.62
Tangible net worth 3.47 4.77 6.19 7.71 9.33

4 Gross Profit ratio :- N.A.

------------
Gross profit /
Turnover 5.40 5.40 5.40 5.40 5.40

5 Net Profit ratio :- ### 24.04% 26.30% 28.55% 30.81%

-----------------
Net Profit / 1.18 1.30 1.42 1.54 1.66
Turnover 5.40 5.40 5.40 5.40 5.40

6 Current Ratio :- 1.18 2.47 3.90 5.43 #DIV/0!

-----------------
Current Assets/ 1.09 2.28 3.59 5.00 6.51
Current Liabilities 0.92 0.92 0.92 0.92 0.00

7 TOL/NET WORTH 1.06 0.58 0.30 0.12 0.00

-----------------
TOL/ 3.68 2.76 1.84 0.92 0.00
Net Worth 3.47 4.77 6.19 7.71 9.33
 Ashok kumarji Mangilalji Malwi, Village Dhamdi (Jaora)

CALCULATION OF BREAK EVEN POINT BASED ON 3RD YEAR

Annexure No. 22
(Rs. in lacs)
SL.No. Particulars Amount

O1 Sales 5.40

O2 Variable expenses :
a. Raw materials 100% 1.95
b. Utilities 100% 0.15
c. Salary & Wages 90% 0.24
Stores & Spares 100% #REF!
d. Interest on Working
Capital. 100% #VALUE!
e. Adm. Exp. 80% #VALUE!
f. Repair & Maintenance 80% 0.38 #VALUE!

O3 Contribution (01-02) #VALUE!

O4 Fixed expenses
a. Administrative expenses 20% #VALUE!
b. Interest on T/L 100% 0.32
c. Depreciation 100% 0.81
d. Salary & Wages 10% 0.03
e. Repairs & Maintence 20% 0.10
#VALUE!
Break even point
At Maximum capacity #VALUE!
At Installed capacity #VALUE!
Break even point ( In Rs.) #VALUE!
Cash Break even point #VALUE!
Cash Break even point ( In Rs.) #VALUE! lacs
 Annexure No. 7
Ashok kumarji Mangilalji Malwi, Village Dhamdi (Jaora)
Estimation of Working Capital Requirement
(Rs. in lacs)

Particulars Total

Raw Material 7 days 0.05

Work In Progress 0 day #REF!
Finished Goods 10 days #REF!
Debtors 2 days 0.03
TOTAL #REF!
Less:- Margin @ 25% #REF!
Total Working Capital Requirement #REF!

Bank finance required 2.00

Utilisation Factor 90.00%

Rate of Interest 13.50%

Interest on Working Capital Rs. 0.24 lacs

Ashok kumarji Mangilalji Malwi, Village Dhamdi (Jaora)

STATEMENT OF MAN POWER REQIREMENT

& SALARIES AND WAGES
Annexure No. 12

STATEMENT OF MAN POWER REQIREMENT &

Particulars Nos Salary P. M. Amount(Rs.)

Foreman 1 5000 ###

Loading Supervisior 1 2600 ###
Labour 17 2200 ###
Chowkidar 1 2400 ###

Total 20 Total ###

Grand Total ###

Say Rs. 5.69 lacs

With 5% increase every year salaries and wages for first 5 years will be ass follows :

No of First Second Third Fourth Fifth

Person Year Year Year Year Year

Capacity Utilisation #REF! #REF! #REF! #REF! #REF!

20 5.69 5.97 6.27 6.27 6.27

20 5.69 5.97 6.27 6.27 6.27

Utilisation Factor 90.00% 90.00% 90.00% 90.00% 90.00%

Estimated Expenses 5.12 5.38 5.64 5.64 5.64

Annexure No. 13
REPAIRS & MAINTENANCE AND INSURANCE EXPENSES

Particulars Value % 1st year 2nd year 3rd year

#REF! #REF! 2.00% #REF! #REF! #REF!

Plant & Machinery 6.87 10.00% 0.69 0.69 0.69

Furniture & Fixtures #REF! 3.00% #REF! #REF! #REF!

Total #REF! #REF! #REF! #REF!

 Laxman Singh S/o Karmaji, Village Sera ( Sailana)
EXPECTED SALES REALISATION FROM OPERATION OF VEHICLE

Calculation of Gross receipt from operation of vehicle

Number of days in a month the vehicle will be on road 25

Number of Kilometeres it will run per day 300

Rate per km. 6.00

Averat income per month 45000

Any Other Income 0

Total Income p,m. 45000

Annual Income 540000

Say Rs. 5.40 lacs

First Second Third Fourth Fifth

Year Year Year Year Year

Gross Collection every year 5.40 5.40 5.40 5.40 5.40

Gross Collection every year ( Rs. 5.40 5.40 5.40 5.40 5.40

Fuel Cost per month

No. of km.. the vehicle will run per litre 18

Kilometeres run per day 300

Cost of fuel per litre 39.00

Total Cost of fuel per day 650.00

Number of days in a month the vehicle will be on road 25

Total Cost of fuel per month 16250.00

Total Cost of fuel Annually 195000

Annual cost 195000

Say Rs. 1.95 lacs
 Ashok kumarji Mangilalji Malwi, Village Dhamdi (Jaora)

COMPUTATION OF DEPRECIATION :-

CALCULATION OF DEPRECIATION AS PER S.L.M. METHOD

(Rs. in lacs) Annexure No. 15

SL.NO. PARTICULARS RATE COST DEPRECEATION

O1 Vehicle 10.00% 6.87 0.69

Total 6.87 0.69

 Ashok kumarji Mangilalji Malwi, Village Dhamdi (Jaora)
CALCULATION OF DEPRECIATION (W.D.V.) METHOD
( Rs. in lacs)
SL. Particulars Rate Ist year 2nd year 3rd year 4th year
NO. Cost Dep. WDV Dep. WDV Dep. WDV Dep

O1 Plant & Machinery

including Elect.
installation. 15% 6.87 1.03 5.84 0.88 4.96 0.74 4.22 0.63

TOTAL 6.87 1.03 5.84 0.88 4.96 0.74 4.22 0.63

Rate 5th year

WDV Dep

O1 Plant & Machinery 15% 3.59 0.54

TOTAL 3.59 0.54

 Ashok kumarji Mangilalji Malwi, Village Dhamdi (Jaora)
PROJECT HIGHLIGHT

1. Name of the Concern : Ashok Malwi

Village Dhamedi, Tehsil Jaora
Distt. Ratlam

Residential Address : Village Dhamedi, Tehsil Jaora

2. Location of the Unit : Village Dhamedi, Tehsil Jaora

Distt. Ratlam

3. Constitution : Proprietorship

4. Proprietor's Name : Ashok Malwi

5. Product/Services : Hiring of Vehicles

6. Purpose of Loan : To be purchase of Jeep ( Manidra)

7 Educational Qualification : 8th

c Term Loan Requirement Rs. 458000/-

9 Annual Income Rs. 20000annual

7. Cost of Project : Amount ( Rs. in lacs)

Sl. Particulars Total Annexure no.
No.
Vehicle
B. SLX ( Mahindra) 6.87 0.00

6.87

CONTD.… 2
 2
Amount (Rs. in lacs)
9. Means of finance :

Sl. Particulars Amount Amount

No.

1. Margin Money under 2.29

Rani Durgawati Rojgar Scheme

2. Term Loan from Bank

0 4.58

Total 6.87

10 Projected Profitability Statement Amount (Rs. in lacs)

Ist year IInd year IIIrd Year

Gross Realisation : 5.40 5.40 5.40

Profit before tax : 1.18 1.30 1.42
Tax : 0.00 0.00 0.00
Net profit after tax : 1.18 1.30 1.42
Depreciation : 0.81 0.81 0.81
Cash accruals : 1.99 2.11 2.23
Capital : 0.00 1.18 2.48
Gross profit ratio : N.A. 0.00% 0.00%
Net profit ratio : 21.80% 24.04% 26.30%

11 Debt- Equity ratio : 0.80 : 1

12 Average DSCR : 2.09

**********************
 Ashok kumarji Mangilalji Malwi, Village Dhamdi (Jaora)

LIST OF ANNEXURES

PARTICULARS ANNEXURE
No.
Cost of Project 0.00

Means of Finance with itemwise finance Annexure No. 2

Details of Buildings #REF!

Details of Plant & Machinery #REF!

Details of Furniture & Fixture #REF!

Details of Preliminalry & Pre-op. Expenses #REF!

Statement showing Working Capital Requirement #REF!

Details of Gross Block (Total Fixed Assets) #REF!

Statement Showing Calculation of Interest & Annexure no. 9

& Repayment of Term Loan

Statement of sales realisation 0

Statement of raw material requirement #REF!

Statement of utilities #REF!

Statement of man power requirement Annexure No. 12

Statement of Insurance & Repairs & Annexure No. 13

Maintenance Exp.

Statement of Selling, General & #REF!

& Administrative Exp.

Calculation of depreciation as per SLM method Annexure No. 15

Calculation of depreciation as per WDV method 0.00

Projected Profitiability 0

Statement of calculation of Income Tax 0

Projected Balance Sheets 0.00

Projected Cash Flow statment 0

Future performance indicator 0.00

Calculation of break - even point Annexure No. 22

*******************************
 Ashok kumarji Mangilalji Malwi, Village Dhamdi (Jaora)

CALCULATION OF INTEREST & REPAYMENT OF LOAN

Term Loan 4.58 lacs Annexure no. 9
Rate of Intt. 13.25% P.A. (Rs. in lacs)

Year Opening Quartly Yearly Balance Quartly Quartly Total

Balance Install. Install. Yearly Intt. Payment
Intt.
Ist year
Ist Qtr 4.58 0.22 4.36 0.15
IInd Qtr 4.36 0.22 4.14 0.14
III Qtr 4.14 0.23 3.91 0.14
IV Qtr. 3.91 0.23 0.90 3.68 0.13 0.56 1.46

2nd year
Ist Qtr 3.68 0.23 3.45 0.12
IInd Qtr 3.45 0.23 3.22 0.11
III Qtr 3.22 0.23 2.99 0.11
IV Qtr. 2.99 0.23 0.92 2.76 0.10 0.44 1.36

3rd year
Ist Qtr 2.76 0.23 2.53 0.09
IInd Qtr 2.53 0.23 2.30 0.08
III Qtr 2.30 0.23 2.07 0.08
IV Qtr. 2.07 0.23 0.92 1.84 0.07 0.32 1.24

4th year
Ist Qtr 1.84 0.23 1.61 0.06
IInd Qtr 1.61 0.23 1.38 0.05
III Qtr 1.38 0.23 1.15 0.05
IV Qtr. 1.15 0.23 0.92 0.92 0.04 0.20 1.12

5th year
Ist Qtr 0.92 0.23 0.69 0.03
IInd Qtr 0.69 0.23 0.46 0.02
III Qtr 0.46 0.23 0.23 0.02
IV Qtr. 0.23 0.23 0.92 0.00 0.01 0.08 1.00

TOTAL 4.58 4.58 1.60 6.18