SCHEDULE - 1

TERM LOAN REQUIRED

PARTICULARS AMOUNT(RS)

Furniture and Fixture 5,70,630.00

Electrical items & Fittings 3,61,230.00
Deep Fridge 2,45,200.00
Computer and Software Items 75,230.00

12,52,290.00

MEANS /RESOURCES OF FINANCE

1. Own Contribution 2,52,290.00

3. Loan from Bank/Financial Institution 10,00,000.00

12,52,290.00
 SCHEDULE - 2

PROJECTED STATEMENT OF RECEIPTS,EXPENSES AND PROFITABILITY

PARTICULARS 1st 2nd 3rd 4th 5th

A. Gross Receipts :
Revenue from Operation 210.00 235.00 250.00 275.00 300.00

210.00 235.00 250.00 275.00 300.00

B. Expenses :
Cost of Goods Sold 188.15 210.35 222.95 244.95 265.00
Salary & Wages 7.40 8.50 9.65 10.95 12.00
Office & Administrative & Selling Exp 5.65 6.25 7.00 7.50 8.25
Repairs & Maintainenace 0.16 0.48 0.54 0.75 0.94
Depreciation 1.91 1.58 1.33 1.13 0.97

203.27 227.16 241.47 265.28 287.16

Profit before Interest 6.73 7.84 8.53 9.72 12.84

Interest on Term Loan 0.90 0.70 0.51 0.31 0.11

Profit before Tax 5.82 7.13 8.02 9.41 12.73

Tax on Profit - - - - -

Profit after Tax 5.82 7.13 8.02 9.41 12.73

 SCHEDULE - 3

PROJECTED BALANCE SHEET

PARTICULARS 1st 2nd 3rd 4th 5th

CAPITAL ACCOUNT :
Opening Balance 5.89 12.63 17.82 23.64 30.66
Add: Introduction 2.52
Add : Net Profit 5.82 7.13 8.02 9.41 12.73
14.23 19.76 25.84 33.06 43.39
Less : Drawings 1.60 1.94 2.20 2.40 2.80
12.63 17.82 23.64 30.66 40.59

SECURED LOAN :
Loan from Bank / FI :

Term Loan 8.00 6.00 4.00 2.00 -

Other Liabilities 3.40 3.90 4.40 1.11 -

24.03 27.72 32.04 33.77 40.59

ASSETS :
Fixed Assets :
Gross Block 13.69 11.78 10.19 8.86 7.73
Less : Depreciation 1.91 1.58 1.33 1.13 0.97
Net Block 11.78 10.19 8.86 7.73 6.76

CURRENT ASSETS :
Stock 8.25 10.75 14.75 17.00 19.00
Advances 2.33 3.85 4.53 5.00 7.00
Investments & Deposits 1.50 2.50 3.25 3.25 5.99
Cash & Bank 0.17 0.43 0.65 0.79 1.84
24.03 27.72 32.04 33.77 40.59
 SCHEDULE - 4

PROJECTED CASH FLOW STATEMENT

PARTICULARS IST YR. 2ND YR. 3RD YR. 4TH YR. 5TH YR.
Cash Inflow:
Profit before Interest 6.73 7.84 8.53 9.41 12.73
Promoter's Contribution 2.52 ---- ---- ---- ----
Depreciation 1.91 1.58 1.33 1.13 0.97
Loan fron Bank/FI :
Term Loan 10.00 ---- ---- ---- ----
CC Loan -
21.16 9.42 9.86 10.54 13.70

Cash Outflow :
Capital Cost 12.52 ---- ---- ---- ----
Interest on Term Loan 0.90 0.70 0.51 0.31 0.11
Loan Repayment 2.00 2.00 2.00 2.00 2.00
Drawings 1.60 1.94 2.20 2.40 2.80
(+- )CA/CL 11.90 4.52 4.93 5.70 7.74

28.93 9.16 9.64 10.41 12.65

Opening Cash Balance 7.94 0.17 0.43 0.65 0.79

Cash Generated (7.77) 0.26 0.22 0.14 1.05

Closing Cash Balance 0.17 0.43 0.65 0.79 1.84

 SCHEDULE - 5

PROJECTED FUND FLOW STATEMENT

PARTICULARS IST YR. 2ND YR. 3RD YR. 4TH YR. 5TH YR.
SOURCES OF FUND :

Profit before Tax 5.82 7.13 8.02 9.41 12.73

Promoter's Contribution 2.52 --- --- --- ---
Depreciation 1.91 1.58 1.33 1.13 0.97
Loan from Bank/FI :
Term Loan 10.00 --- --- --- ---
CC Loan -
20.26 8.72 9.35 10.54 13.70

APPLICATION OF FUND :

Capital Cost 12.52 --- --- --- ---

Drawings 1.60 1.94 2.20 2.40 2.80
Loan Repaymnet 2.00 2.00 2.00 2.00 2.00
Increase in Current Assets 4.13 4.78 5.15 6.14 8.90

20.25 8.72 9.35 10.54 13.70

 SCHEDULE - 6

PROJECTED RATIO ANALYSIS

[Basis 3th year operational Statistics]

[Rs.in Lakhs]

INDICATOR
Net Profit X 100
1. Return on Investment = Capital Investment

= 8.02
23.64

= 33.93 %

2. Debt-Equity Ratio = Debt

Equity

= 4.00
23.64

= 0.17

3. Debt Service Coverage Ratio (DSCR) :

PARTICULARS 1ST YR. 2ND YR. 3RD YR. 4TH YR. 5TH YR.
Net Profit after Tax 7.74 8.72 9.35 10.54 13.70
Interest on Term Loan 0.90 0.70 0.51 0.31 0.11
8.64 9.42 9.86 10.85 13.81

Interest on Term Loan 0.90 0.70 0.51 0.31 0.11

Repayment of Term Loan 2.00 2.00 2.00 2.00 2.00
2.90 2.70 2.51 2.31 2.11

Debt Service Coverage Ratio 2.98 3.48 3.93 4.70 6.55

Avg. DSCR 4.33

 SCHEDULE - 7

DEPRECIATION

Year Gross Block Rate Dep WDV

1
75,230.00 40% 30,092.00 45,138.00
6,39,059.00 15% 95,858.85 5,43,200.15
6,54,945.00 10% 65,494.50 5,89,450.50
13,69,234.00 1,91,445.35 11,77,788.65

2
45,138.00 40% 18,055.20 27,082.80
5,43,200.15 15% 81,480.02 4,61,720.13
5,89,450.50 10% 58,945.05 5,30,505.45
11,77,788.65 1,58,480.27 10,19,308.38

3
27,082.80 40% 10,833.12 16249.68
4,61,720.13 15% 69,258.02 392462.11
5,30,505.45 10% 53,050.55 477454.91
10,19,308.38 1,33,141.68 886166.69

4
16,249.68 40% 6,499.87 9749.81
3,92,462.11 15% 58,869.32 333592.79
4,77,454.91 10% 47,745.49 429709.41
8,86,166.69 1,13,114.68 773052.01

5
9,749.81 40% 3,899.92 5849.88
3,33,592.79 15% 50,038.92 283553.87
4,29,709.41 10% 42,970.94 386738.47
7,73,052.01 96,909.78 676142.23
 SCHEDULE - 8

PROJECTED REPAYMENT OF LOAN

[Rs. in Lakhs]

Term Loan = 10.00

Rate of Interest = 9.95%

Repayment = 48 equal monthly installments together with interest

OPENING REPAYMENT CLOSING

YEAR MONTH BALANCE INTEREST TOTAL PRINCIPAL INTEREST BALANCE

1st 1st 10.00 0.08 10.08 0.17 0.08 9.83

2nd 9.83 0.08 9.91 0.17 0.08 9.67
3rd 9.67 0.08 9.75 0.17 0.08 9.50
4th 9.50 0.08 9.58 0.17 0.08 9.33
5th 9.33 0.08 9.41 0.17 0.08 9.17
6th 9.17 0.08 9.24 0.17 0.08 9.00
7th 9.00 0.07 9.07 0.17 0.07 8.83
8th 8.83 0.07 8.91 0.17 0.07 8.67
9th 8.67 0.07 8.74 0.17 0.07 8.50
10th 8.50 0.07 8.57 0.17 0.07 8.33
11th 8.33 0.07 8.40 0.17 0.07 8.17
12th 8.17 0.07 8.23 0.17 0.07 8.00

2nd 1st 8.00 0.07 8.07 0.17 0.07 7.83

2nd 7.83 0.06 7.90 0.17 0.06 7.67
3rd 7.67 0.06 7.73 0.17 0.06 7.50
4th 7.50 0.06 7.56 0.17 0.06 7.33
5th 7.33 0.06 7.39 0.17 0.06 7.17
6th 7.17 0.06 7.23 0.17 0.06 7.00
7th 7.00 0.06 7.06 0.17 0.06 6.83
8th 6.83 0.06 6.89 0.17 0.06 6.67
9th 6.67 0.06 6.72 0.17 0.06 6.50
10th 6.50 0.05 6.55 0.17 0.05 6.33
11th 6.33 0.05 6.39 0.17 0.05 6.17
12th 6.17 0.05 6.22 0.17 0.05 6.00

3rd 1st 6.00 0.05 6.05 0.17 0.05 5.83

2nd 5.83 0.05 5.88 0.17 0.05 5.67
3rd 5.67 0.05 5.71 0.17 0.05 5.50
4th 5.50 0.05 5.55 0.17 0.05 5.33
5th 5.33 0.04 5.38 0.17 0.04 5.17
6th 5.17 0.04 5.21 0.17 0.04 5.00
7th 5.00 0.04 5.04 0.17 0.04 4.83
8th 4.83 0.04 4.87 0.17 0.04 4.67
9th 4.67 0.04 4.71 0.17 0.04 4.50
10th 4.50 0.04 4.54 0.17 0.04 4.33
11th 4.33 0.04 4.37 0.17 0.04 4.17
12th 4.17 0.03 4.20 0.17 0.03 4.00

4th 1st 4.00 0.03 4.03 0.17 0.03 3.83

2nd 3.83 0.03 3.87 0.17 0.03 3.67
3rd 3.67 0.03 3.70 0.17 0.03 3.50
4th 3.50 0.03 3.53 0.17 0.03 3.33
5th 3.33 0.03 3.36 0.17 0.03 3.17
6th 3.17 0.03 3.19 0.17 0.03 3.00
7th 3.00 0.02 3.02 0.17 0.02 2.83
8th 2.83 0.02 2.86 0.17 0.02 2.67
9th 2.67 0.02 2.69 0.17 0.02 2.50
10th 2.50 0.02 2.52 0.17 0.02 2.33
11th 2.33 0.02 2.35 0.17 0.02 2.17
12th 2.17 0.02 2.18 0.17 0.02 2.00

5th 1st 2.00 0.02 2.02 0.17 0.02 1.83

2nd 1.83 0.02 1.85 0.17 0.02 1.67
3rd 1.67 0.01 1.68 0.17 0.01 1.50
4th 1.50 0.01 1.51 0.17 0.01 1.33
5th 1.33 0.01 1.34 0.17 0.01 1.17
6th 1.17 0.01 1.18 0.17 0.01 1.00
7th 1.00 0.01 1.01 0.17 0.01 0.83
8th 0.83 0.01 0.84 0.17 0.01 0.67
9th 0.67 0.01 0.67 0.17 0.01 0.50
10th 0.50 0.00 0.50 0.17 0.00 0.33
11th 0.33 0.00 0.34 0.17 0.00 0.17
12th 0.17 0.00 0.17 0.17 0.00 0.00