Ramesh Rao P, K V Pura Camp, Nimbegundi Post, Shimoga Dist,

COST OF THE PROJECT

Existing Proposed
A. Tata Hitachi Hydraulic Mini Excavator, 2,950,000.00

TOTAL 2,950,000.00

MEANS OF FINANCE
Existing Proposed

A. TERM LOAN 2,400,000.00

B. PROMOTER CONTRIBUTION 550,000.00

TOTAL 2,950,000.00
 Ramesh Rao P, K V Pura Camp, Nimbegundi Post, Shimoga Dist,

PROFITABILITY STATEMENT FOR 5 YEARS

(Rs in lakhs)

YEARS 1 2 3 4 5
A.INCOME
a) Reciepts 19.20 19.68 20.16 20.64 21.12
TOTAL 19.20 19.68 20.16 20.64 21.12

B.EXPENSES

a) Printing & Stationery 0.02 0.02 0.03 0.03 0.04

b) Driver Salary 2.40 2.40 2.40 2.40 2.40

c) Insurance Charges 0.76 0.70 0.62 0.55 0.46

d) Telephone Charges 0.04 0.04 0.05 0.05 0.06

e) Repairs & Maintainance 0.23 0.30 0.34 0.38 0.43

f) Rates & Taxes 0.02 0.02 0.02 0.02 0.02

g) Fuel Expenses 2.20 2.45 2.65 2.90 3.20

h) Interest On Term Loan 2.51 1.96 1.40 0.85 0.30

i) Depreciation 4.43 3.76 3.20 2.72 2.31

Total Expenses 12.61 11.65 10.71 9.90 9.22

C. a) PROFIT BEFORE TAX 6.59 8.03 9.45 10.74 11.90

b) INCOME TAX - - 0.50 0.80 1.00

c) PROFIT AFTER TAX (a-b) 6.59 8.03 8.95 9.94 10.90

d) ADD:- Depreciation 4.43 3.76 3.20 2.72 2.31

e) Cash Accruals (c+d) 11.02 11.79 12.15 12.66 13.21

f) LESS:- TERM LOAN 4.80 4.80 4.80 4.80 4.80

g) SURPLUS (e-f) 6.22 6.99 7.35 7.86 8.41

h) DSCR (RATIO) 2.30 2.46 2.53 2.64 2.75

i) Avg DSCR ( Ratio ) 2.53

 Ramesh Rao P, K V Pura Camp, Nimbegundi Post, Shimoga Dist,

REPAYMENT OF PRINCIPAL & INTEREST ON TERM LOAN

LOAN AMOUNT RS. 24.00 Lakhs, RATE OF INTEREST 11.50.00 %, REPAYMENT PERIOD - 60 MONTHS

YEARS 1 2
MONTH LOAN AMT INT. INSTLMT MONTH LOAN AMT INT. INSTLMT
1 2,400,000.00 23,000.00 40,000.00 1 1,920,000.00 18,400.00 40,000.00
2 2,360,000.00 22,616.67 40,000.00 2 1,880,000.00 18,016.67 40,000.00
3 2,320,000.00 22,233.33 40,000.00 3 1,840,000.00 17,633.33 40,000.00
4 2,280,000.00 21,850.00 40,000.00 4 1,800,000.00 17,250.00 40,000.00
5 2,240,000.00 21,466.67 40,000.00 5 1,760,000.00 16,866.67 40,000.00
6 2,200,000.00 21,083.33 40,000.00 6 1,720,000.00 16,483.33 40,000.00
7 2,160,000.00 20,700.00 40,000.00 7 1,680,000.00 16,100.00 40,000.00
8 2,120,000.00 20,316.67 40,000.00 8 1,640,000.00 15,716.67 40,000.00
9 2,080,000.00 19,933.33 40,000.00 9 1,600,000.00 15,333.33 40,000.00
10 2,040,000.00 19,550.00 40,000.00 10 1,560,000.00 14,950.00 40,000.00
11 2,000,000.00 19,166.67 40,000.00 11 1,520,000.00 14,566.67 40,000.00
12 1,960,000.00 18,783.33 40,000.00 12 1,480,000.00 14,183.33 40,000.00

TOTAL 250,700.00 480,000.00 195,500.00 480,000.00

YEARS 3 4
MONTH LOAN AMT INT. INSTLMT MONTH LOAN AMT INT. INSTLMT
1 1,440,000.00 13,800.00 40,000.00 1 960,000.00 9,200.00 40,000.00
2 1,400,000.00 13,416.67 40,000.00 2 920,000.00 8,816.67 40,000.00
3 1,360,000.00 13,033.33 40,000.00 3 880,000.00 8,433.33 40,000.00
4 1,320,000.00 12,650.00 40,000.00 4 840,000.00 8,050.00 40,000.00
5 1,280,000.00 12,266.67 40,000.00 5 800,000.00 7,666.67 40,000.00
6 1,240,000.00 11,883.33 40,000.00 6 760,000.00 7,283.33 40,000.00
7 1,200,000.00 11,500.00 40,000.00 7 720,000.00 6,900.00 40,000.00
8 1,160,000.00 11,116.67 40,000.00 8 680,000.00 6,516.67 40,000.00
9 1,120,000.00 10,733.33 40,000.00 9 640,000.00 6,133.33 40,000.00
10 1,080,000.00 10,350.00 40,000.00 10 600,000.00 5,750.00 40,000.00
11 1,040,000.00 9,966.67 40,000.00 11 560,000.00 5,366.67 40,000.00
12 1,000,000.00 9,583.33 40,000.00 12 520,000.00 4,983.33 40,000.00

TOTAL 140,300.00 480,000.00 85,100.00 480,000.00

 Ramesh Rao P, K V Pura Camp, Nimbegundi Post, Shimoga Dist,

REPAYMENT OF PRINCIPAL & INTEREST ON TERM LOAN

LOAN AMOUNT RS. 24.00 Lakhs, RATE OF INTEREST 11.50.00 %, REPAYMENT PERIOD - 60 MONTHS

YEARS 5
MONTH LOAN AMT INT. INSTLMT
1 480,000.00 4,600.00 40,000.00
2 440,000.00 4,216.67 40,000.00
3 400,000.00 3,833.33 40,000.00
4 360,000.00 3,450.00 40,000.00
5 320,000.00 3,066.67 40,000.00
6 280,000.00 2,683.33 40,000.00
7 240,000.00 2,300.00 40,000.00
8 200,000.00 1,916.67 40,000.00
9 160,000.00 1,533.33 40,000.00
10 120,000.00 1,150.00 40,000.00
11 80,000.00 766.67 40,000.00
12 40,000.00 383.33 40,000.00

TOTAL 29,900.00 480,000.00

 Ramesh Rao P, K V Pura Camp, Nimbegundi Post, Shimoga Dist,

DEPRECIATION SCHEDULE
Rs in Lakhs
YEAR 1 YEAR 2 YEAR 3
ASSETS RATE
COST DEP COST DEP COST DEP

Tata Hitachi Hydraulic Mini Excavator 15%

29.50 4.43 25.08 3.76 21.31 3.20

Total 29.50 4.43 25.08 3.76 21.31 3.20

YEAR 4 YEAR 5
ASSETS RATE
COST DEP COST DEP
Tata Hitachi Hydraulic Mini Excavator
15% 18.12 2.72 15.40 2.31

Total 18.12 2.72 15.40 2.31

 PROJECT REPORTA AT GLANCE

NAME OF THE UNIT : Ramesh Rao P

ADDRESS : K V Pura Camp

Nimbegundi Post, Bhadravathi Tq,
Shimoga Dist,

CONSTITUTION : Proprietor: Ramesh Rao P

COST OF THE PROJECT : A. Tata Hitachi Hydraulic Mini Excavator - 2,950,000.00

TOTAL 2,950,000.00

MEANS OF FINANCE : TERM LOAN - 2,400,000.00

PROMOTER CONTRIBUTION - 550,000.00
TOTAL 2,950,000.00

LOAN REPAYMENT PERIOD : 5 YEARS

PROSPECTS : GOOD
 Ramesh Rao P, K V Pura Camp, Nimbegundi Post, Shimoga Dist,
PROJECTED BALANCE SHEET
(Rs in Lakhs)
YEARS 1 2 3 4 5
CAPITAL & LIABILITIES:
CAPITAL 5.50 11.29 18.37 26.66 36.06
PROFIT & LOSS A/C 6.59 8.03 9.45 10.74 11.90
LESS: DRAWINGS 0.80 0.95 1.16 1.34 1.54
TOTAL 11.29 18.37 26.66 36.06 46.42
CURRENT LIABILITIES 0.00 0.00 0.00 0.00 0.00
TERM LOAN 19.20 14.40 9.60 4.80 0.00
TOTAL 30.49 32.77 36.26 40.86 46.42

ASSETS & PROPERTIES:

GROSS BLOCK 29.50 25.07 21.31 18.11 15.39
LESS: DEPRECIATION 4.43 3.76 3.20 2.72 2.31
NET BLOCK 25.07 21.31 18.11 15.39 13.08
INCREASE OR DECREASE IN STOCK 0.00 0.00 0.00 0.00 0.00
SAVING & INVESTMENTS 5.42 11.46 18.15 25.47 33.34
NET CURRENT ASSETS 0.00 0.00 0.00 0.00 0.00

TOTAL 30.49 32.77 36.26 40.86 46.42

 Ramesh Rao P, K V Pura Camp, Nimbegundi Post, Shimoga Dist,
CASH FLOW STATEMENT
(Rs in Lakhs)
YEARS 0 1 2 3 4

SOURCES _ _ _ _
1. Opening Balance - 0.00 0.00 0.00 0.00
1. TERM LOAN 0.00 24.00 _ _ _
2. PROMOTERS CONTRIBUTION 0.00 5.50 _ _ _
3. SUBSIDY 0.00 0.00 _ _ _
4. NET PROFIT _ 6.59 8.03 9.45 10.74
5. DEPRECIATION _ 4.43 3.76 3.20 2.72

TOTAL 0.00 40.52 11.79 12.65 13.46

st,

(Rs in Lakhs)
5

_
0.00
_
_
_
11.90
2.31

14.21
 Ramesh Rao P, K V Pura Camp, Nimbegundi Post, Shimoga Dist,
CASH FLOW STATEMENT
(Rs in Lakhs)
YEARS 0 1 2 3 4

APPLICATION
1. Tata Hitachi Hydraulic Mini
0.00 29.50 _ _ _
Excavator
2. HOUSE 0.00 _ _ _ _
3. DRAWINGS _ 0.80 0.95 1.16 1.34
4. TERM LOAN _ 4.80 4.80 4.80 4.80
5. INCOME TAX _ 0.00 0.00 0.50 0.80
TOTAL 0.00 35.10 5.75 6.46 6.94
Dist,

(Rs in Lakhs)
5

_
1.54
4.80
1.00
7.34