Eligibility

Amita Mansinghani ( Prop.

Shri Ganesh Impex)
ITR Filling Date
Income Before Tax
Depreciation
Interest paid to loan

AY-2015-16 AY-2014-15 Average Eligibility

Less Tax Paid

Total (A)
Appraised Monthly Income
Appraised Obligations
Max FOIR (for a combined LTV
and FOIR of 140)
Max EMI
Tenor (Months)
Rate Of Interest
EMI Factor
Eligibility(Rs. In lacs)

9/24/2015

11/20/2014

1,093,779
106,129
28,981

729,186
126,506
39,647

911483
116318
34314

100%
67%
100%

(135,416)
1,093,473

(62,095)
833,244

-98756

100%

RECOMMENDATION
Tenor (Months)
Rate Of Interest
EMI Factor
Loan Amt(Rs. In lacs)
EMI
Actual FOIR
Value based on Market valuation
LTV
LTV and FOIR

Eligible
Income
911,483
77,549
34,314
(98,756)
924,590
77,049
90.00%
69,344
240
9.95%
961.71
72.11
240
9.95%
961.71
77.00
74,052
96.11%
PNI
#VALUE!
#VALUE!

Eligibility
Amita Mansinghani (Prop.
AY-2015- AY-2014-15 Average
Shri Ganesh Impex)
16
Current Year's Turnover
28,196,935
28196935
Average of Latest Two Years
28,196,935 17,078,600
22637768
turnover
150% of the previous years
25,617,900
25617900
net turnover
Lower of the all three above
Less Interest on Working
Capital
Total
Appraised Monthly Income
Appraised Obligations
Max FOIR (for a combined LTV
and FOIR of 140)
Max EMI
Tenor (Months)
Rate Of Interest
EMI Factor
Eligibility(Rs. In lacs)
RECOMMENDATION
Tenor (Months)
Rate Of Interest
EMI Factor
Loan Amt(Rs. In lacs)
EMI
Actual FOIR
Value based on Market
valuation
LTV
LTV and FOIR

Margin
9%
9%
9%

Calculation
2,537,724
2,037,399
2,305,611
2,037,399

2,037,399.1
169,783
65.00%
110,359
240
9.95%
961.71
114.75
240
9.95%
961.71
100.00
96,171
56.64%
PNI
#VALUE!
#VALUE!

FINANCIAL ANALYSIS
M/S Shri Ganesh Impex
I

INCOME STATEMENT ANALYSIS

INR in Lacs
A.Y 2015-16

Variation Analysis

A.Y 2014-15

A.Y 2015-16

A.Y 2013-14

Comments

I1

Turnover / Gross Receipts

281.97

170.79

65.10%

90.81

I2

Expenses

270.01

160.02

68.74%

84.65

I3

Gross Profit

11.96

10.77

11.06%

6.16

I4

Overheads

4.63

2.22

108.51%

1.87

I5

Loss/Profit on Sale of Fixed Assets

and other non cash items

#DIV/0!

I6

Depreciation on Tangible Fixed Asset

1.06

1.27

-16.11%

1.19

Turnover / Gross Receipts

I7

Operating Expenses

5.69

3.49

63.29%

3.07

Other Income

I8

Operating EBIT

6.27

7.28

-13.94%

3.09

Profit Before Taxes

I9

Exceptional Income / (Expense)

I10

Other Income / (Expense)

I11

Interest Expense

I12

Profit Before Taxes

I13

Income Tax

I14

Deffered Tax

I15

Profit After Tax

I16

Previous year's Adjustments

I17

Net Income

I18

Director Remuneration

I19

Proposed Dvidends

I20

Profit Carried Forward

BALANCE SHEET ANALYSIS

Financial summary ( Rs in Lacs)

Particulars

#DIV/0!
6.04

0.01

#DIV/0!

12.30

7.29

1.35

0.62

10.95

6.67

10.95

6.67

Debtors

66978.89%

0.17

Sundry Creditors-For Goods

68.75%

3.26

Secured loans (including CC limits)

118.08%

0.03

Unsecured loans

#DIV/0!

64.15%

3.23

Inventories (closing stock)

Tax
TDS

#DIV/0!
64.15%

3.23

#DIV/0!
-

#DIV/0!

10.95

6.67

INR in Lacs
A.Y 2015-16

64.15%

3.23

Variation Analysis

A.Y 2014-15

A.Y 2015-16

2.65

7.84

-66.21%

#DIV/0!

A.Y 2013-14

Comments

Assets
B1

Cash and Cash Eqivalents

B2

Deposits

B3

Debtors

B5

Loans and advances

B6

Inventories (closing stock)

B7

Other Current Assets

B8

Total Current Assets

B9

Investments

B10

Total Fixed Assets

B11

Total Assets

176.48
0.23

69.04

44.56

#DIV/0!

2.12

29.11

3.78%

31.13

0.79

2.27

-65.13%

1.00

210.35

108.25

94.33%

81.70

30.21

155.63%

2.89

7.48

4.65

60.97%

3.65

27.09

27.62

-1.91%

28.30

244.93

140.51

74.31%

113.65

151.82

92.90

63.42%

77.96

12.06

4.11

193.22%

0.21

#DIV/0!

Liabilities
B12

Sundry Creditors-For Goods

B13

Sundry Creditors-For Expenses

B14

Taxes Payable

B15

Advances received

B15A

Proposed Dividends

B16

Other Current Liabilities

B17

Bank overdraft limit

B18

Total Current Liabilities

B19

Secured loans (including CC limits)

B20

#DIV/0!
#DIV/0!
1.19

2.67

-55.24%

2.08

#DIV/0!
165.08

99.68

65.60%

2.05

3.11

-34.23%

4.07

Unsecured loans

49.73

17.68

181.28%

13.50

B21

Total Long Term Debt

51.78

20.79

149.02%

17.57

B22

Deffere Tax Liability/(Asset)

B33

Total Liabilities

B34

Issued & Paid up Capital/ Partners Ca

B35

General Reserves

#DIV/0!

B36

Balance in Profit & Loss a/c

#DIV/0!

B37

Misc Expenditure

B38

Total Net Worth

B39

Total Liabilities and Equity

B40

Contingent Liabilites

B41

Balance Sheet Check (+/-)

RATIO ANALYSIS

80.25

#DIV/0!
216.86

120.48

80.00%

97.83

28.07

20.04

40.08%

15.82

#DIV/0!
28.07

20.04

40.08%

15.82

244.93

140.51

74.31%

113.65

0.00

0.00

A.Y 2015-16

A.Y 2014-15

Comments

Liquidity/Activity Ratios
R1

Current Ratio (X)

1.27

1.09

1.02

R2

Quick Asset Ratio (X)

1.09

0.79

0.63

R3

Debt - equity ratio

1.84

1.04

1.11

Efficency Ratios
R3

Days Receivable (Yr on Yr)

228.45

147.54

179.09

R4

Days Inventory (Yr on Yr)

40.83

66.39

134.24

R5

Days Payable (Yr on Yr)

205.23

211.91

336.16

R6

Fixed Asset Turnover (X)

10.31

6.11

#VALUE!

Profitability Ratios
R7

Gross Profit Margin (%)

4.24%

6.31%

6.78%

R8

Net Profit Margin (%)

4.36%

4.27%

3.59%

R9

Operating Margin

2.22%

4.26%

3.40%

R10

Total Revenue Growth (%)

65.10

88.07

#VALUE!

#DIV/0!

#DIV/0!

#DIV/0!

11.46

14.26

13.92

2.79

3.19

3.34

Others
R11

Operating EBIT / Gross Interest (X)

R13

Total Assets/Net Worth

R14

Total Liabilities/Net Worth

A.Y 2015-16
281.97
6.04
12.30
176.48
151.82
30.21
2.05
49.73
1.35
-

ial summary ( Rs in Lacs)

A.Y 2014-15 A.Y 2013-14
170.79
90.81
0.01
0.17
7.29
3.26
69.04
44.56
92.90
77.96
29.11
31.13
3.11
4.07
17.68
13.50
0.62
0.03
-

CASH FLOW ANALYSIS

A.Y 2015-16

A.Y 2014-15

INR
I)

INR

INR

INR

CASH FLOW FROM OPERATION

Net Income

10.95

Add:

Depriciation

1.06

1.27

Less:

Other Income

(6.04)

(0.01)

Add:

Loss/Profit on Sale of Fixed Assets and other

non cash items

Add:

Tax Provision

1.35

0.62

Add:

Deferred Tax

Add:

Interest Expenses

Add:

Directors Remuneration

Add:

Dividend

7.33

8.55

Operating Profit Before Working Capital Changes

Add:

Movement in Net Current Assets

Deposits
Debtors

(107.45)

(24.48)

Loans and advances

(0.23)

2.12

Inventories (closing stock)

(1.10)

2.03

1.48

(1.27)

58.92

14.94

7.95

3.90

Dividends

Advances received

Other Current Assets

Sundry Creditors- For Goods
Sundry Creditors- For Expenses

Other Current Liabilities

Net Operation Cash Flow Before Tax
Less:

6.67

Tax Paid

(1.47)

0.59

(34.57)

6.38

(1.35)

(0.62)
(35.92)

II)

5.76

CASH FLOW FROM INVESTING ACTIVITY

Investments
Other Income
Investment in Fixed Assets

(2.83)

(1.00)

6.04

0.01

(0.53)

(0.59)
2.67

III)

(1.58)

CASH FLOW FROM FINANCING ACTIVITY

Secured Loans

(1.07)

Unsecured Loans

32.05

4.18

Increase in Equity

(2.92)

(2.45)

Interest Paid

Directors Remuneration

NET CASH FLOW GENERATED DURING THE YEAR

OPENING CASH BALANCE

(0.96)

28.07

0.77

(5.19)

4.95

7.84

2.89

OPENING BANK OD BALANCE

#REF!

#VALUE!

CLOSING CASH/BANK BALANCE

#REF!

#VALUE!

2.65

7.84

CASH BALANCE AS PER FINANCIALS

BANK OVERDRAFT BALANCE AS PER FINANCIALS
Check

#REF!

#VALUE!

Financial summary ( Rs in Lacs)

A.Y 2015-16 A.Y 2014-15 A.Y 2013-14
281.97
170.79
90.81
Turnover / Gross Receipts
6.04
0.01
0.17
Other Income
12.30
7.29
3.26
Profit Before Taxes
176.48
69.04
44.56
Debtors
151.82
92.90
77.96
Sundry Creditors-For Goods
30.21
29.11
31.13
Inventories (closing stock)
2.05
3.11
4.07
Secured loans (including CC limits)
49.73
17.68
13.50
Unsecured loans
Tax
1.35
0.62
0.03
TDS
D Vat
#REF!
Annualized Banking for company
SBI CA A/c no. 30024696132 Shri Gan
###
Particulars

AL

SBI

###

Teno Balan Loan

r
ce
Amoun
Tenor
t
60
10
5.10
N

Dec-15

Start
date

Oct-15

Bank

Nov-15

1
11294
2
3
4
5
Total
11294
FOIR
Obligatio
00
ns

Purpo
se

Sep-15

EMI

FOIR

S. No

15 15 15 17

Feb-16

Jan-16

Comments on RTR

15 15 Emi Repayment track from SBI CA A/c no. 30024696132 Shri Ganesh
Impex

POS(PNB
HFL
Loans)
0.84162

Property Address
and Usage

Property
Owner

Cash Flow Calculator

Particulars of Bank Statements 2015
SBI CA A/c no. 30024696132 Shri Ganesh Impex
Grand Total
Annualised Banking
Annual Sales
BTO

Sep

Oct

Nov

Dec

Jan

1893000.00 1657600.00 2291500.00 1012000.00 1786938.00

1893000.00 1657600.00 2291500.00 1012000.00 1786938.00
19607076
282
6953619.60

Feb

Grand Total

1162500.00
1162500.00

9803538.00
9803538.00

Annualised
19607076
19607076

S No

Queries