Instructions

Dear User Please note following before you use this CMA template.

Following is the colour

coding for input

1
2
3

Other Instructions
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Ver: 15.01.2019

BANK-INTERNAL
se note following before you use this CMA template.

User input
Auto generated cell
user input for estimates accepted in last renewal

All the inputs will be in OS & BS sheets.

In OS sheet, first year of DSCR to be filled in cell C9. In case of fresh unit, first full year of commercial operation to be the first year for D
In OS sheet in cell I-128 please mention the value of accumulated profit of last year to arrive at the posotion of accumulated profit in the fi
For CRISIL rating, Company Financial Input (CFI) sheet will be automatically generated. Project financial Sheet (PFI inputs will have to be fed
Ensure to feed values in OS sheet between row number 3 to 24 and 127 to 142 carefully.
in the cell no A 7 user needs to input the number of years for TL projections. This will open up those number of columns on projection sid
average DSCR accordingly on click of "add column" and "delete Column" button.
for NBFC proposals, please ensure to select Yes in the sheet BS at cell E2

BANK-INTERNAL
 PROFIT & LOSS ACCOUNT INPUT

Please Enter Data In Blue Colored Cell. Projections made at the time of last renewal to be entered in column E
Name of the Company Deviation on Financial Ratios to
be derived based on column : D
Constitution Proprietorship
Industry (as per HASCROM classification) VEHICLES
BOBRAM rating to be done on
Balance sheet as at Thursday, March 31, 2022 3/31/2022 Provisional
Projections for how many years 2 31/03/2021
NBFC PROPOSAL No 31/03/2021
First year for DSCR 0
Is the borrower a Holding Company serving as
a Investment vehicle for subsidiaries of the
group No

Company Code (BOBRAM RATING CODE)

Currency INR
Currency - Unit Crs
Auditors Name / Location / Regn. No. 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36
2020 2021 2022 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043 2044 2045 2046 2047 2048 2049 2050 2051 2052 2053 2054 2055 2056 2057 2058
Yr.End.(DD-MMM-YY) 31-Mar-20 31-Mar-21 31-Mar-22 31-Mar-22 31-Mar-23 31-Mar-24 31-Mar-25 31-Mar-26 31-Mar-27 31-Mar-28 31-Mar-29 31-Mar-30 31-Mar-31 31-Mar-32 31-Mar-33 31-Mar-34 31-Mar-35 31-Mar-36 31-Mar-37 31-Mar-38 31-Mar-39 31-Mar-40 31-Mar-41 31-Mar-42 31-Mar-43 31-Mar-44 31-Mar-45 31-Mar-46 31-Mar-47 31-Mar-48 31-Mar-49 31-Mar-50 31-Mar-51 31-Mar-52 31-Mar-53 31-Mar-54 31-Mar-55 31-Mar-56 31-Mar-57 31-Mar-58
Yr.End.(DD-MMM-YY) 31-Mar-20 31-Mar-21 31-Mar-22 31-Mar-22 31-Mar-23 31-Mar-24 31-Mar-25 31-Mar-26 31-Mar-27 31-Mar-28 31-Mar-29 31-Mar-30 31-Mar-31 31-Mar-32 31-Mar-33 31-Mar-34 31-Mar-35 31-Mar-36 31-Mar-37 31-Mar-38 31-Mar-39 31-Mar-40 31-Mar-41 31-Mar-42 31-Mar-43 31-Mar-44 31-Mar-45 31-Mar-46 31-Mar-47 31-Mar-48 31-Mar-49 31-Mar-50 31-Mar-51 31-Mar-52 31-Mar-53 31-Mar-54 31-Mar-55 31-Mar-56 31-Mar-57 31-Mar-58
No. Of Months 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12
Exchange Rate 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1
Audited Audited Audited Estimates Estimated Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected
accepted in last
sanction

Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs
To be printed on MCB sheet Yes Yes Yes No Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
To be printed in Cash Flow Yes Yes Yes No Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
OPERATING REVENUE
1) Domestic Sales 196.32 88.53 138.42 134.41 221.01 321.67
2) Export Sales 0.00 0.00 0.00 0.00 0.00 0.00
3) GROSS SALES (1 + 2) 196.32 88.53 138.42 134.41 221.01 321.67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4) Less : Goods & Services Tax 11.06 6.86 8.12 10.89 8.34 8.70
5) NET SALES (3 - 4) 185.26 81.67 130.30 123.52 212.67 312.97 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
% wise rise/fall in net sales as compared to 0.00% -55.92% 59.54% 51.24% 63.22% 47.16% -100.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
previous year
6) Other Operating Income (to be specified b 15.00 10.00 6.60 6.60 7.00 7.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
15.00 10.00 6.60 6.60 7.00 7.00
i) other operating income / export incentives)
ii) Sale of Traded Goods
iii) Others 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
a) Sale of Scrap & Jobwork
A) TOTAL OPERATING REVENUE (5 + 6) 200.26 91.67 136.90 130.12 219.67 319.97 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
COST OF SALES
7) Raw materials consumed 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
i) Imported
ii) Indigenous
8) Other Spares consumed 193.60 84.22 134.46 132.64 212.47 300.86 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
i) Imported 193.60 84.22 134.46 132.64 212.47 300.86
ii) Indigenous
9) Power and fuel 2.96 2.54 3.09 2.61 4.12 6.08
10) Labour and wages 3.00 2.00 4.00 1.00 9.00 8.00
11) Other Manufacturing exps
12) Depreciation 3.62 3.08 2.43 3.20 3.08 5.26 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
13) Sub total (sum of 7 TO 11) 199.56 88.76 141.55 136.25 225.59 314.94 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Add: Op. Stock of WIP
Less: Cl. Stock of WIP
14) Total Cost of Production 199.56 88.76 141.55 136.25 225.59 314.94 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Add Oping. Stock of Fin.Gds
Less: Cl. Stock of Fin.Gds
15) Total Cost of Goods Sold 199.56 88.76 141.55 136.25 225.59 314.94 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
16) Selling, Distribution & Admin.Exp
B) TOTAL COST OF SALES (15 + 16) 199.56 88.76 141.55 136.25 225.59 314.94 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
C) OPRTNG. PROFIT BEFORE INT.(A-B) 0.70 2.91 -4.65 -6.13 -5.92 5.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
INTEREST COST
17) Interest payment to Banks 7.20 6.84 6.93 5.87 5.36 13.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Interest - WC 5.48 4.84 4.93 4.87 4.36 8.20
Interest - Term Loans 1.72 2.00 2.00 1.00 1.00 5.00
18) Interest payment to FIs 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Interest - WC
Interest - Term Loans
19) Interest payment to USL/Others 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
USL
Other interest
D) TOTAL INTEREST (17+18+19) 7.20 6.84 6.93 5.87 5.36 13.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
E) FINANCE COST (OTHER THAN INTEREST)
F) OPRTNG. PROFIT AFTER INT.(C-D-E)-Deprecia -10.12 -7.01 -14.01 -15.20 -14.36 -13.43 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Depreciation 3.62 3.08 2.43 3.20 3.08 5.26
20) Non cash/Non Operating Income 12.55 10.29 10.33 7.77 12.33 13.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Cash Income 7.55 5.29 5.33 2.77 7.33 8.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
i) Prft. on sale of asts/ invest. 0.83 0.42 0.83 0.77 1.33 1.93
ii) Interests and Dividend
iii) Tax refund
iv) Extraordinary Income 1.72 0.87 1.50 0.00 0.00 0.00
v) Income from subsidiaries / related part 5.00 4.00 3.00 2.00 6.00 7.00
vi) Other Cash items
Non Cash Income 5.00 5.00 5.00 5.00 5.00 5.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
v) Forex Gains 5.00 5.00 5.00 5.00 5.00 5.00
vi) Other Non Cash item
21) Non cash/non Operating Exps. (to be spec 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Cash Exps 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
i) Extraordinary Exps

Non Cash Exps 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
i) Loss on sale of assets
ii) Preliminary exps w/off (Non Cash)
iii) Provision for doubtful debts
iv) Forex loss(Non Cash)
v) Amortization (Non Cash)

G) NET NON OPRTNG. INC. / EXP. (20-21) 12.55 10.29 10.33 7.77 12.33 13.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

H) PROFIT BEFORE TAX (PBT) (F+G) 2.43 3.28 -3.68 -7.43 -2.03 0.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PROVISION FOR TAX
i) Current
ii) Deferred
I) TAX PROVISION 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Tax % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
J) NET PROFIT (Before adjustment of 2.43 3.28 -3.68 -7.43 -2.03 0.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Extraordinary items post tax) (H-I)

K) EXTRAORDINARY ITEM (POST TAX) : 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Extraordinary Income
Extraordinary Expenses

L) NET PROFIT (After adjustment of Extraordinar 2.43 3.28 -3.68 -7.43 -2.03 0.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

M) APPROPRIATION OF PROFIT 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
i) Dividend Paid
ii) Dividend Tax
iii) Withdrawal/ Other Cash
Appropriation
Dividend (%) including Tax 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
N) RETAINED PROFIT 2.43 3.28 -3.68 -7.43 -2.03 0.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

O) CASH ACCRUALS (After adjusting all non 1.05 1.36 -6.25 -9.23 -3.95 0.76 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
cash items)

EARNING BEFORE INTEREST, DEPRECIATION, 13.25 13.20 5.68 1.64 6.41 18.96 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
TAXES & AMORTIZATION (EBIDTA)

EARNING BEFORE INTEREST & TAX (EBIT) 9.63 10.12 3.25 -1.56 3.33 13.70 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
ADJUSTED PAT (Exc. All extraordinary items) 0.71 2.41 -5.18 -7.43 -2.03 0.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Annual Purchase Cost of RM & Spares 238.42 95.06 138.79 129.00 219.22 309.70 -71.94 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Additional information for MCB, Ratio and

DSCR Sheets
Net Sales Closing RM Closing Spares Closing TNW TL Instl. pyble in Accumulated
12 month P&L Balance
Data for Previous Year 2019 .=======>

Additional information for WC sheet

Method (1 or 2) 1 or 2 .=======> 1

Additional information for BEP sheet

BREAK EVEN POINT CALCULATION Variable Fixed
Direct Labour & Wages 75% 25%
S&A 25% 75%
Price Per Unit 10.00
DSCR If Projected Sales Price reduces by 10%
DSCR If Projected Raw Material Cost increases 10%
by

BANK-INTERNAL
 BALANCE SHEET INPUT 1

Please Enter Data In Blue Colored Cell. Is it an NBFC

Projections made at the time of last No
renewal to be entered in column E proposal?
Name of the Company 0

Industry (as per HASCROM classification) VEHICLES

BOBRAM rating to be done on 3/31/2022 Provisional
Company Code (BOBRAM RATING CODE)

Currency INR
Auditors 0
2020 2021 2022 2022 2023
Year ended (DD-MMM-YY) 31-Mar-20 31-Mar-21 31-Mar-22 31-Mar-22 31-Mar-23
No. Of Months 12 12 12 12 12
Exchange Rate 1 1 1 1 1
Estimates
Audited Audited Audited accepted in Estimated
last sanction
Crs Crs Crs Crs Crs

CURRENT LIABILITIES
A) Short Term Borrowings 45.96 30.45 44.11 48.00 55.00
1) Borrowings from Banks & FIs 45.96 30.45 44.11 48.00 55.00
a) from our bank 45.96 30.45 44.11 48.00 55.00
b) from other bank
c) from other FIs
2) Borrowing from Related Parties 0.00 0.00 0.00 0.00 0.00
a) Secured
b) Unsecured
3) Other Borrowings not classified
above 0.00 0.00 0.00 0.00 0.00
a) Commercial Paper
b) PQR
c) PQR
B) Creditors 5.31 7.31 4.25 1.17 5.25
1) Trade Creditors 5.31 7.31 4.25 1.17 5.25
2) Creditors for expenses
3) Creditors under LC / Buyer's Credit for
Raw Material

C) Other Current Liability 1.44 8.02 5.47 5.22 7.24

1) Term Loan installments due within a
year 1.44 8.02 5.47 5.22 7.24

2) Other Term Liabilities maturing

within a year 0.00 0.00 0.00 0.00 0.00
a) NCD
b) CCD (unsecured)
c) Term Loan from Others
3) Interest accrued but not due on
borrowings

BANK-INTERNAL
 4) Interest accrued and due on
borrowings

5) Statutory liabilities due within a year

6) Creditors for Capital expenditure due

within a year
7) Dividend Payable
8) Advance from customers / Dealers
Deposits
9) Short term deposits (other than
dealers deposit)
10) Share Application Money (Not
finalized for allotment, oversubscribed
money)
11) Other Payables (Major items to be
specified) 0.00 0.00 0.00 0.00 0.00
a) Employee Benefits Payable
b) Deferred premium on forward
contract
c) other

D) Short Term Provisions 1.75 1.06 1.56 1.07 2.08

1) Tax Provisions 1.75 1.06 1.56 1.07 2.08
2) Others (to be specified) 0.00 0.00 0.00 0.00 0.00
a) Provision for expenses
b) Prov for Leave Benefits
c) Provision for NPA

I TOTAL CURRENT LIABILTIES (A+B+C+D) 54.46 46.84 55.39 55.46 69.57

TERM LIABILITIES
E) Debentures
Preference Share Capital (Residual
F) Periods < 12 years)

Long Term Borrowings (excluding

G) installments payable within a year) 15.57 21.65 20.58 23.45 63.00

1) Term Loan from Banks & FIs (Secured) 4.39 10.61 9.51 12.40 39.69
a) from bank 4.39 10.61 9.51 12.40 39.69
b) from FIs
2) Borrowing from Related Parties (In
form of Quasi Equity) 7.15 7.59 7.59 11.05 22.37
a) Secured Borrowings
b) Unsecured Borrowings 7.15 7.59 7.59 11.05 22.37
3) Borrowing from Related Parties
(other than Quasi Equity) 4.03 3.45 3.48 0.00 0.94
a) Secured Borrowings
b) Unsecured Borrowings 4.03 3.45 3.48 0.00 0.94
4) Other Borrowings not classified
above (to be specified by the user) 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
 5) Other Unsecured Borrowings not
classified above (to be specified by the 0.00 0.00 0.00 0.00 0.00
user)
a) Unsecured NCD
b) Unsecured Term Loan
H) Other Long Term Liabilities 0.47 0.28 0.19 0.28 0.19
1) Long Term Deposits 0.47 0.28 0.19 0.28 0.19
2) Deferred Tax Liability
3) Sundry cre. for cap goods (Long Term)
4) Others

II TOTAL TERM LIABILTIES (E+F+G+H) 16.04 21.93 20.77 23.73 63.19

III TOTAL OUTSIDE LIABILTIES (I+II) 70.50 68.77 76.16 79.19 132.76

NET WORTH
I) Equity share capital (paid up) 30.07 29.28 40.11 84.92 39.85
Preference Share Capital (paid up)
J) (Residual Period > 12 year)

Share Application Money (Finalized for

K) allotment) & Share
L) Reserves and Surplus 0.00 0.00 0.00 0.00 0.00
1) Revenue Reserve ( Reserves out of
Profit in normal business course) 0.00 0.00 0.00 0.00 0.00

a) General / Free / Contingency Reserve

i) Other Reserves
Adjustments
2) Capital Reserve (Reserves out of
Capital Profit) 0.00 0.00 0.00 0.00 0.00
a) Share Premium
b) Capital Subsidy
c) Revaluation Reserve
d) Others( Unsecured loans considered
as a part of equity) 0.00 0.00 0.00 0.00 0.00
e) Capital Redemption Reserve
f) Other reserves
3) Accumulated P&L

IV TOTAL NET WORTH (I+J+K+L) 30.07 29.28 40.11 84.92 39.85

V TOTAL LIABILITIES (III + IV) 100.57 98.05 116.27 164.11 172.61

CURRENT ASSETS
M) Cash & Cash equivalent 0.66 0.67 0.67 0.73 0.80
1) Cash in hand 0.08 0.05 0.67 0.73 0.80
2) Bank Balance
3) Other 0.58 0.62 0.00 0.00 0.00
N) Receivables 28.34 19.15 28.69 29.86 36.44
1) Domestic (upto 6 Months) 28.34 19.15 28.69 29.86 36.44
2) Export Receivables

BANK-INTERNAL
 3) Def.recei.(due within 1 year)
Note :
1. All receivable upto 180 days or as
permitted as per sanction
2. Sale bills negotiated under LC to be
excluded.
O) Inventory 44.82 55.66 59.99 56.35 63.10
1) Raw Materials - Imported 44.82 55.66 59.99 56.35 63.10
2) Raw Materials - Indigenous
3) Work in process
4) Fini.Gds (incl Traded Goods)
5) Other cons.spares - Import.
6) Other consu.spares - Indige.
P) Other Current Assets 3.82 1.73 4.25 4.20 4.47
1) Advances to suppliers
2) Advance payment of tax
3) Advances to related parties (if
permitted for MPBF Assessment)
4) Current Investments (Govt. and other
trustee Sec. , fixed deposits with bank
etc)
5) Other Receivables (Major items to 3.82 1.73 4.25 4.20 4.47
be specified)
a) Short term Loans and advances
b) Unbilled Revenue
C) Other Current assets 3.82 1.73 4.25 4.20 4.47

VI TOTAL CURRENT ASSETS (M+N+O+P) 77.64 77.21 93.60 91.14 104.81

FIXED ASSETS
Q) Tangible Asset (Net Block) 20.05 17.68 19.94 70.04 64.87
Gross Block (for IT Cos, software may be
entered in row no 148 ) 20.05 17.68 19.94 70.04 64.87
Softwares (Intangible Fixed Asset )
Less : Accumulated depreciation

R) Capital Work in progress

VII TOTAL FIXED ASSETS (Q+R+S) 20.05 17.68 19.94 70.04 64.87

NON CURRENT ASSETS

T) Investments 2.88 3.16 2.73 2.93 2.93
1) Investment in group concerns 1.55 1.83 0.50 1.60 1.60
2) Other Investments 1.33 1.33 2.23 1.33 1.33
U) Receivables 0.00 0.00 0.00 0.00 0.00
1) Domestic Debtors > 6 mths
2) Deferred receivables (maturity
exceed. one year)
3) Dues from Related Parties (not
permitted for MPBF Calculation)
V) LOANS & ADVANCES 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
 1) To group concerns / related parties
(including ICDs to related parties)
Others
W) Other Non Current Assets 0.00 0.00 0.00 0.00 0.00
1) Inter corporate Deposits (other than
given to related parties)
2) Adv. to Capital goods suppliers
3) Deferred Tax Asset
4) Other
X) Deferred Revenue Expenditure

TOTAL NON CURRENT ASSETS

VIII (T+U+V+W+X) 2.88 3.16 2.73 2.93 2.93

Intangible Assets:
Goodwill, Patents & trademarks
Accumulated Losses,Preliminary
expenses,Miscellaneous expenditure
not w/off, Other deferred revenue
expenses
Intangible Total 0.00 0.00 0.00 0.00 0.00
IX TOTAL ASSETS (VI+VII+VIII) 100.57 98.05 116.27 164.11 172.61
X DIFFERENCE IN B/S (V - IX) 0.00 0.00 0.00 0.00 0.00

TANGIBLE NETWORTH 30.07 29.28 40.11 84.92 39.85

ADDITIONAL INFORMATION
Total Debt to be paid within FY
(Principal Component) 0.00 0.00 0.00 0.00 0.00
Arrears of depreciation

Contingent liabilities 10.00 10.00 14.00 15.00 17.00

Arrears of cumulative dividends

Guarantees issued (relating to business)

10.00 10.00 14.00 15.00 17.00
Guarantees issued (for group companies)
Gratuity Liability not provided for

Disputed excise / customs / tax Liabilities

LCs
All other contingent liabilities
(incldg. Bills purchased - Under LC)
Repayments due within one year
Preference Share Capital (due in less
than a year)
Capital Commitment

Unhedged Forex

BANK-INTERNAL
 2 3 4 5 6 7 8 9

2024 2025 2026 2027 2028 2029 2030 2031

31-Mar-24 31-Mar-25 31-Mar-26 31-Mar-27 31-Mar-28 31-Mar-29 31-Mar-30 31-Mar-31
12 12 12 12 12 12 12 12
1 1 1 1 1 1 1 1

Projected Projected Projected Projected Projected Projected Projected Projected

Crs Crs Crs Crs Crs Crs Crs Crs

63.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

63.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
63.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6.14 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6.14

7.79 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7.79

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2.93
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

79.86 0.00 0.00 0.00 0.00 0.00 0.00 0.00

55.22 0.00 0.00 0.00 0.00 0.00 0.00 0.00

31.91 0.00 0.00 0.00 0.00 0.00 0.00 0.00

31.91

23.31 0.00 0.00 0.00 0.00 0.00 0.00 0.00

23.31
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.19 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.19

55.41 0.00 0.00 0.00 0.00 0.00 0.00 0.00

135.27 0.00 0.00 0.00 0.00 0.00 0.00 0.00

49.55

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

49.55 0.00 0.00 0.00 0.00 0.00 0.00 0.00

184.82 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.80

0.00
43.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00
43.04

BANK-INTERNAL
 71.94 0.00 0.00 0.00 0.00 0.00 0.00 0.00
71.94

6.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6.50

122.28 0.00 0.00 0.00 0.00 0.00 0.00 0.00

59.61 0.00 0.00 0.00 0.00 0.00 0.00 0.00

59.61

59.61 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00

1.60
1.33
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

184.82 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

49.55 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 1.00 2.00 3.00 4.00

19.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

19.00

BANK-INTERNAL
 10 11 12 13 14 15 16 17 18 19

2032 2033 2034 2035 2036 2037 2038 2039 2040 2041
31-Mar-32 31-Mar-33 31-Mar-34 31-Mar-35 31-Mar-36 31-Mar-37 31-Mar-38 31-Mar-39 31-Mar-40 31-Mar-41
12 12 12 12 12 12 12 12 12 12
1 1 1 1 1 1 1 1 1 1

Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected

Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5.00 6.00 7.00 8.00 9.00 10.00 11.00 12.00 13.00 14.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
 20 21 22 23 24 25 26 27 28 29

2042 2043 2044 2045 2046 2047 2048 2049 2050 2051
31-Mar-42 31-Mar-43 31-Mar-44 31-Mar-45 31-Mar-46 31-Mar-47 31-Mar-48 31-Mar-49 31-Mar-50 31-Mar-51
12 12 12 12 12 12 12 12 12 12
1 1 1 1 1 1 1 1 1 1

Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected

Crs Crs Crs Crs Crs Crs Crs Crs Crs Crs

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15.00 16.00 17.00 18.00 19.00 20.00 21.00 22.00 23.00 24.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
 30 31 32 33 34 35 36

2052 2053 2054 2055 2056 2057 2058

31-Mar-52 31-Mar-53 31-Mar-54 31-Mar-55 31-Mar-56 31-Mar-57 31-Mar-58
12 12 12 12 12 12 12
1 1 1 1 1 1 1

Projected Projected Projected Projected Projected Projected Projected

Crs Crs Crs Crs Crs Crs Crs

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

25.00 26.00 27.00 28.00 29.00 30.00 31.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
 a
t
e
s
a
c
c
e
Summarised Information p
t
e
To be Printed Particulars Audited Audited Audited d Estimated Projected Projected

i
Balance Sheet Data/Capital Structure 2020 2021 2022
### n 2023 2024 2025
No Equity Share capital 30.07 29.28 40.11
### 39.85 49.55 0.00
No Preference Share Capital 0.00 0.00 ### l
0.00 0.00 0.00 0.00
a
Share Application (finalized for Allotment) & Securities
No Premium 0.00 0.00 ### s
0.00 0.00 0.00 0.00
t
No Other Reserves & Surplus (excl. Rev. reserves & net of int 0.00 0.00 0.00
### 0.00 0.00 0.00
No Accumulated Profit & Loss 0.00 0.00 ### s
0.00 0.00 0.00 0.00
a
No Tangible Net worth 30.07 29.28 40.11
### n 39.85 49.55 0.00
No Deferred Tax Liabilities / (Assets) 0.00 0.00 ### c
0.00 0.00 0.00 0.00
No TNW Adjusted to DTA/DTL 30.07 29.28 ### t
40.11 39.85 49.55 0.00
i
No Funds Invested Outside Business (FIOB) 2.88 3.16 2.73
### o 2.93 2.93 0.00
No Adjusted TNW (ATNW) 27.19 26.12 37.38
### n 36.92 46.62 0.00
No Term Liabilities (of which) 16.04 21.93 20.77
### 63.19 55.41 0.00
No -- Term Loans from Banks & FI 4.39 10.61 9.51
### 39.69 31.91 0.00
No Quasi Equity 7.15 7.59 7.59
### 22.37 23.31 0.00
Yes Other LT Borrowings not classified above 4.03 3.45 3.48
### 0.94 0.00 0.00
Yes Debentures 0.00 0.00 0.00
### 0.00 0.00 0.00
Yes -- Others Term Liabilities & Provisions 0.47 0.28 0.19
### 0.19 0.19 0.00
Yes Capital Employed 43.23 48.05 58.15
### 100.11 102.03 0.00
Yes Net Block (Excl. Revaluation Rsv.) 20.05 17.68 19.94
### 64.87 59.61 0.00
Yes Non-current assets 0.00 0.00 0.00
### 0.00 0.00 0.00
Yes
Yes
Yes
Yes Current Assets 77.64 77.21 93.60
### 104.81 122.28 0.00
Yes Inventories 44.82 55.66 59.99
### 63.10 71.94 0.00
Yes Debtors 28.34 19.15 28.69
### 36.44 43.04 0.00
Yes -- Cash & Bank Balance 0.66 0.67 0.67
### 0.80 0.80 0.00
Yes -- ST Investments 0.00 0.00 0.00
### 0.00 0.00 0.00
Yes -- Other Current Assets 3.82 1.73 4.25
### 4.47 6.50 0.00

BANK-INTERNAL
Yes Current Liabilities 54.46 46.84 55.39
### 69.57 79.86 0.00
Yes -- Creditors 5.31 7.31 4.25
### 5.25 6.14 0.00
No -- Creditors for LC / Buyers Credit 0.00 0.00 0.00
### 0.00 0.00 0.00
Yes -- Bank Borrowings 45.96 30.45 44.11
### 55.00 63.00 0.00
Yes -- Term Borrowings Payable in one year 1.44 8.02 5.47
### 7.24 7.79 0.00
Yes -- Other Short Term Borrowings 0.00 0.00 0.00
### 0.00 0.00 0.00
Yes -- Other Liabilities & Provisions 1.75 1.06 1.56
### 2.08 2.93 0.00
Yes Net Current Assets 23.18 30.37 38.21
### 35.24 42.42 0.00
Yes Capital Deployed 43.23 48.05 58.15
### 100.11 102.03 0.00
Yes Additional Information
Yes Secured Long Term Borrowings (Excl. Term borrowing mat 4.39 10.61 9.51
### 39.69 31.91 0.00
Yes Unsecured Long Term Borrowings 11.18 11.04 11.07
### 23.31 23.31 0.00
Yes Operational Data:
Yes Gross Sales 196.32 88.53 138.42
### 221.01 321.67 0.00
Yes (-) Goods & Services Tax 11.06 6.86 8.12
### 8.34 8.70 0.00
Yes Net sales 185.26 81.67 130.30
### 212.67 312.97 0.00
Yes -- of which Export Sales 0.00 0.00 0.00
### 0.00 0.00 0.00
Yes Other Operating Income 15.00 10.00 6.60
### 7.00 7.00 0.00
Yes Total Operating Income (TOI) 200.26 91.67 136.90
### 219.67 319.97 0.00
Yes Net off -Non-Operating Income/Expenses 12.55 10.29 10.33
### 12.33 13.93 0.00
Yes Total Income (TI) 212.81 101.96 147.23
### 232.00 333.90 0.00
Yes Cost of goods sold 199.56 88.76 141.55
### 225.59 314.94 0.00
Yes Admn. Selling expenses/provisions 0.00 0.00 0.00
### 0.00 0.00 0.00
Yes Depreciation 3.62 3.08 2.43
### 3.08 5.26 0.00
Yes Interest & Financial Charges 7.20 6.84 6.93
### 5.36 13.20 0.00
Yes Profit Before Tax (PBT) 2.43 3.28 -3.68
### -2.03 0.50 0.00
Yes Tax provisions 0.00 0.00 0.00
### 0.00 0.00 0.00
Yes Extraordinary Items 0.00 0.00 0.00
### 0.00 0.00 0.00
Yes Net profit after tax (PAT) 2.43 3.28 -3.68
### -2.03 0.50 0.00
Yes Dividend / App. 0.00 0.00 0.00
### 0.00 0.00 0.00
Yes Net profit retained in business 2.43 3.28 -3.68
### -2.03 0.50 0.00
Yes Cash Accruals 1.05 1.36 -6.25
### -3.95 0.76 0.00
Yes EBIT 9.63 10.12 3.25
### 3.33 13.70 0.00
Yes Operating Cash Profit (EBIT+Depreciation - Non Operatin 0.70 2.91 -4.65
### -5.92 5.03 0.00
Yes EBITDA 13.25 13.20 5.68
### 6.41 18.96 0.00
Yes Adjusted Net Profit (Exc. All extraordinary items) 0.71 2.41 -5.18
### -2.03 0.50 0.00
Yes Ratio Analysis:
Yes Operating Profit margin {OPBDIT/TOI %} 0.35% 3.17% -3.40%
### -2.69% 1.57% #DIV/0!

BANK-INTERNAL
 Yes PBT/NS (in %) 1.31% 4.02% -2.82%
### -0.95% 0.16% #DIV/0!
Yes PAT/NS (in %) 1.00% 4.00% -3.00%
### -1.00% 0.00% #DIV/0!
Yes Total Debt/EBITDA 4.21 3.98 11.02
### 16.05 5.42 #DIV/0!
Yes Return on capital employed (in %) -6.75% -0.35% -12.18%
### -8.99% -0.23% #DIV/0!
Yes PAT/ATNW 8.08% 11.20% -9.17%
### -5.09% 1.01% #DIV/0!
Yes Current Ratio (Considering TL inst.) 1.43 1.65 1.69
### 1.51 1.53 #DIV/0!
Yes Current Ratio (without considering TL inst.) 1.46 1.99 1.88
### 1.68 1.70 #DIV/0!
Yes DE Ratio (TTL/ATNW) 0.59 0.84 0.56
### 1.71 1.19 #DIV/0!
Yes DE Ratio (TOL/ATNW) 2.59 2.63 2.04
### 3.60 2.90 #DIV/0!
Yes DE Ratio (TTL/TNW) 0.53 0.75 0.52
### 1.59 1.12 #DIV/0!
Yes DE Ratio (TOL/TNW) 2.34 2.35 1.90
### 3.33 2.73 #DIV/0!
No DE Ratio (TTL/ATNW) [Networth includes Quasi Equity] 0.26 0.43 0.29
### 0.69 0.46 #DIV/0!
No DE Ratio (TOL/ATNW) [Networth includes Quasi Equity] 1.84 1.81 1.52
### 1.86 1.60 #DIV/0!
No (TOL + Cont. Lia.) / ATNW 2.96 3.02 2.41
### 4.06 3.31 0.00
No % of Cont. lia. To ATNW 0.37 0.38 0.37
### 0.46 0.41 0.00
Yes Interest Coverage Ratio {EBITDA/Interest} 1.84 1.93 ### E
0.82 1.20 1.44 #DIV/0!
s
No Inventory Holding level (days) 85 241 163
### t 108 87 0
No Debtors (days) 53 79 76 i
### 60 49 0
No Creditors level (days) 8 28 11 m
### 9 7 0
a
t
e
Other Additional Information (Other Bifurcation if s
Yes Required)
a
Yes 1) NCD c
Yes 2) CP c
e
Calculation of MPBF under Method (1 or 2)? 2 p
t
PBF as per MPBF Method 2 Crs e
Audited Audited Audited d Estimated Projected Projected
Year 2020 2021 2022
### 2023 2024 2025
i
a) Total Current Assets [TCA] 77.64 77.21 93.60
### n 104.81 122.28 0.00
b) (Minus) Current liabilities less Bank finance & Creditors 8.50 16.39 11.28
### 14.57 16.86 0.00
c) Working Capital Gap {a - b} [WCG] 69.14 60.82 ### l
82.32 90.24 105.42 0.00
a
s
d) Total Current Liabilities 54.46 46.84 55.39
### t 69.57 79.86 0.00
e) Export Receivables 0.00 0.00 0.00
### 0.00 0.00 0.00
s
Less: Margin: Higher of - a
n
c
t
BANK-INTERNAL i
o
n
 25% of (TCA excl Exp Rec) 19.41 19.30 23.40
### 26.20 30.57 0.00
Net Working Capital {a - d} 23.18 30.37 38.21
### 35.24 42.42 0.00
f) Margin 23.18 30.37 38.21
### 35.24 42.42 0.00

g) MAXIMUM PERMISSIBLE BANK FINANCE {c - f} 45.96 30.45 44.11

### 55.00 63.00 0.00
h) Bank Borrowing 45.96 30.45 44.11
### 55.00 63.00 0.00
i) Excess Borrowing 0.00 0.00 0.00
### 0.00 0.00 0.00

Working Capital Cycle Days

Item [Basis] 2020 2021 2022 ### 2023 2024 2025
a) Debtors [Gross Sales] 53 79 76 ### 60 49 0
-- Domestic Receivables (incl > 6 months) 53 79 76 ### 60 49 --
-- Export Receivables -- -- -- -- -- -- --
-- Deferred Receivables 0 0 0 ### 0 0 --
b) Total Inventory 85 241 163 ### 108 87 0
-- RM & Stores [RM & Stores Consumed] 85 241 163 ### 108 87 --
-- WIP [COP] 0 0 0 ### 0 0 --
-- Finished Goods [COGS] 0 0 0 ### 0 0 --
c) Advance to Suppliers [RM & Stores Consumed] 0 0 0 ### 0 0 --
d) Funding Requirement for 138 320 239 ### 168 136 --
e) Creditors & Buyer's Credit [RM & Stores Purchase Cost] 8 28 11 ### 9 7 0
f) Advance from Customers [Gross Sales] 0 0 0 ### 0 0 --
g) External Credit Available for 8 28 11 ### 9 7 0
h) Net WC Cycle 130 292 228 ### 159 129 --

Year End Mar-20 Mar-21 Mar-22 ### Mar-23 Mar-24 Mar-25

Audited Audited Estimates
Audited
accepted Estimated
in last sanction
Projected Projected
No of Months 12 12 12 ### 12 12 12
i) I. CURRENT ASSETS 77.64 77.21 93.60
### 104.81 122.28 0.00
Export receivables 0.00 0.00 0.00
### 0.00 0.00 0.00
II. CURRENT LIABILITIES (excl Bank borrowing) 8.50 16.39 11.28
### 14.57 16.86 0.00
III W Cap Gap (I - II) 69.14 60.82 82.32
### 90.24 105.42 0.00
III(a) W Cap Gap (I - II)-Excl export Rcvbl 69.14 60.82 82.32
### 90.24 105.42 0.00
25% of Working capital Gap - Excl Export Rcvbl 17.28 15.21 20.58
### 22.56 26.35 0.00

BANK-INTERNAL
 IV. Act./Proj Bank Bor. Incl. LC Creditors and Buyers
Credit 45.96 30.45 44.11
### 55.00 63.00 0.00
V. Total Cur Lia (II+IV) 54.46 46.84 55.39
### 69.57 79.86 0.00
VI. Act./Proj NWC 23.18 30.37 38.21
### 35.24 42.42 0.00
VII Mini.Stip.NWC 25 % of III(a) or I as applicable 17.28 15.21 20.58
### 22.56 26.35 0.00
VIII. Item III - Item VII 51.85 45.61 61.74
### 67.68 79.07 0.00
IX. Item III - Item VI 45.96 30.45 44.11
### 55.00 63.00 0.00
X. M P B F 45.96 30.45 44.11
### 55.00 63.00 0.00
XI. Excess Borr. if any. 0.00 0.00 0.00
### 0.00 0.00 0.00

Yes PBDIT/TA 0.13 0.13 0.05

### 0.04 0.10 0.00
Yes Paid up capital 30.07 29.28 40.11
### 39.85 49.55 0.00
Yes Deferred Tax Liability 0 0 ###
0 0 0 0
Yes Unsecured Loan 11.18 11.04 11.07
### 23.31 23.31 0.00
No FACR 1.29 0.82 0.97
### 1.03 1.08 0.00

BANK-INTERNAL
 Crs

Cash Flow Analysis 1

Particulars Audited Audited Audited Estimated
Year Ending 31.03… 3/31/2020 3/31/2021 3/31/2022 3/31/2023
Cash flow from Operating activities
PAT 0.00 0.00 0.00
Add: Tax Provisions 0.00 0.00 0.00
Subtotal 0.00 0.00 0.00
Adjustment for:
Depreciation 3.08 2.43 3.08
Intangibles w/o 0.00 0.00 0.00
Profit / Loss on sale of FA -0.42 -0.83 -1.33
Interest & Finance Costs 6.84 6.93 5.36
Dividends proposed 0.00 0.00 0.00
Net Non-Operating Income -9.00 -8.00 -11.00
Extraordinary Items -0.87 -1.50 0.00
Adjustment for Working Capital Changes:
Sundry Debtors 9.19 -9.54 -7.75
Inventories -10.84 -4.33 -3.11
Other Receivables, Loans & Advances 2.09 -2.52 -0.22
Sundry Creditors 2.00 -3.06 1.00
Other Liabilities & Provisions 6.58 -2.55 1.77
Operating cash flows before extraordinary items & taxes 8.65 -22.97 -12.20
Extraordinary Items 0.87 1.50 0.00
Operating cash flows before taxes 9.52 -21.47 -12.20
Taxes Paid -0.69 0.50 0.52
Cash Generated from Operating Activities 8.83 -20.97 -11.68

Cash flow from Investing activities

Gross Block (incl Capital WIP) -0.29 -3.86 -46.68
Investments -0.28 0.43 -0.20
Other LT Loans & Advances 0.00 0.00 0.00
Net Non-Operating Income 9.00 8.00 11.00
Cash Generated from Investing Activities 8.43 4.57 -35.88

Cash flow from Financing activities

Shareholders Funds -0.79 10.83 -0.26
S/T Bank Borrowings -15.51 13.66 10.89
S/T Other Borrowings 0.00 0.00 0.00
L/T Other Borrowings -0.14 0.03 12.24
Term Loans (Banks & FI) 6.22 -1.10 30.18
Dividends Paid (incl tax thereon) 0.00 0.00 0.00
Interest & Finance Costs Paid -6.84 -6.93 -5.36
Others -0.19 -0.09 0.00
Cash Generated from Financing Activities -17.25 16.40 47.69

Net Cash Generated 0.01 0.00 0.13

Opening Cash & Bank Balance 0.66 0.67 0.67
Closing Cash & Bank Balance 0.67 0.67 0.80

Closing Cash & Bank Balance as per BS 0.67 0.67 0.80

Difference 0.00 0.00 0.00

BANK-INTERNAL
Calculation of certain specific Cash Outflows

1.TAXES PAID
Opening Provision for Tax 1.75 1.06 1.56
Opening Deferred Tax Liability 0.00 0.00 0.00
Less: Opening Advance Tax 0.00 0.00 0.00
Net PFT 1.75 1.06 1.56
Add: Current Year Tax 0.00 0.00 0.00
Add: Current Year DTL 0.00 0.00 0.00
Less: Closing Provision for Tax -1.06 -1.56 -2.08
Less: Closing Deferred Tax Liability 0.00 0.00 0.00
Add: Closing Advance Taxes Paid 0.00 0.00 0.00
Taxes Paid during the year 0.69 -0.50 -0.52

2.DIVIDEND PAID
Opening Provision for Dividend 0.00 0.00 0.00
Add: Curr.Year Appro.for Dividends 0.00 0.00 0.00
Less:Closing Provision for Dividend 0.00 0.00 0.00
Dividend Paid 0.00 0.00 0.00

BANK-INTERNAL
 2 3 4 5 6 7 8 9 10
Projected Projected Projected Projected Projected Projected Projected Projected Projected
3/31/2024 3/31/2025 3/31/2026 3/31/2027 3/31/2028 3/31/2029 3/31/2030 3/31/2031 3/31/2032

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5.26 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
-1.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
13.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
-12.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

-6.60 43.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00

-8.84 71.94 0.00 0.00 0.00 0.00 0.00 0.00 0.00
-2.03 6.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.89 -6.14 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.55 -7.79 0.00 0.00 0.00 0.00 0.00 0.00 0.00
-11.50 107.55 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
-11.50 107.55 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.85 -2.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00
-10.65 104.62 0.00 0.00 0.00 0.00 0.00 0.00 0.00

1.93 59.61 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 2.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
12.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
13.93 62.54 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9.70 -49.55 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8.00 -63.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 -23.31 0.00 0.00 0.00 0.00 0.00 0.00 0.00
-7.78 -31.91 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
-13.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 -0.19 0.00 0.00 0.00 0.00 0.00 0.00 0.00
-3.28 -167.96 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 -0.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.80 0.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
 2.08 2.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2.08 2.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
-2.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
-0.85 2.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
 11 12 13 14 15 16 17 18 19 20
Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected
3/31/2033 3/31/2034 3/31/2035 3/31/2036 3/31/2037 3/31/2038 3/31/2039 3/31/2040 3/31/2041 3/31/2042

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
 21 22 23 24 25 26 27 28 29 30
Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected
3/31/2043 3/31/2044 3/31/2045 3/31/2046 3/31/2047 3/31/2048 3/31/2049 3/31/2050 3/31/2051 3/31/2052

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
 31 32 33 34 35 36
Projected Projected Projected Projected Projected Projected
3/31/2053 3/31/2054 3/31/2055 3/31/2056 3/31/2057 3/31/2058

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
Name of the Company 0

FUNDS FLOW STATEMENT

Year End 2020 2021 2022 2022

No. Of Months 12 12 12 12

Estimates
accepted in
last
Audited Audited Audited sanction
Crs Crs Crs Crs
SOURCES

Profit before tax 3.28 0.00 0.00

Add Depreciation 3.08 0.00 0.00
Gross Fund Generated 6.36 0.00 0.00
Less: Provision for tax 0.00 0.00 0.00
Less: Appropriations incl. Dividend paid/ payable 0.00 0.00 0.00
Net Funds Generated from operations 6.36 0.00 0.00
Add: Extraordinary Items 0.00 0.00 0.00
A - Net Funds Generated from operations (after adjustments) 6.36 0.00 0.00

Increase in
a. Capital 0.00 10.83 55.64
b. Reserves & Surplus (Revenue and Capital) 0.00 3.68 7.43
c. Long term borrowings, debentures etc. 12.66 0.00 0.00
d. Other term liabilities 0.00 0.00 0.00
Decrease in
a. Fixed assets 0.00 0.00 0.00
b. Investments, receivables, loans & advances 0.00 0.43 0.23
c. Other non current assets 0.00 0.00 0.00
B - Sub Total 12.66 14.94 63.30

Increase in Short term Bank borrowings 0.00 13.66 17.55

Increase in other current liabilities 1.31 0.00 0.00
Decrease in Inventory 0.00 0.00 0.00
Decrease in receivables 9.19 0.00 0.00
Decrease in other current assets 2.08 0.00 0.00
C - Sub Total 12.58 13.66 17.55
TOTAL FUND AVAILABLE (A+B+C) 31.60 28.60 80.85

USES

Increase in Fixed assets 0.71 4.69 55.56

Decrease in
a. Long term borrowings, debentures etc. 0.00 3.62 1.00
b. Capital 0.79 0.00 0.00
c. Reserves & Surplus (Revenue and Capital) 3.28 0.00 0.00
d. Other Term Liabilities. 0.19 0.09 0.00
Increase in Investments, receivables, loans & advances 0.28 0.00 0.00
Increase in other non current assets 0.00 0.00 0.00
D - sub Total 5.25 8.40 56.56

Decrease in Short term Bank borrowings 15.51 0.00 0.00

Decrease in other current liabilities 0.00 2.56 6.13
Increase in inventory 10.84 4.33 0.69
Increase in receivables 0.00 9.54 10.71

BANK-INTERNAL
Increase in other current asset. 0.00 2.52 2.53
E - Sub Total 26.35 18.95 20.06

Loss 0.00 3.68 7.43

Less - Depreciation 0.00 -2.43 -3.20
Gross Fund Lost (-)/ Generated (+) 0.00 1.25 4.23
Add - Provision for tax 0.00 0.00 0.00
Add - Appropriations incl. Dividend paid/ payable 0.00 0.00 0.00
Less-extraordinary items 0.00 0.00 0.00
F - Sub Total 0.00 1.25 4.23
G - Net Fund Generated (if 'F' is - ve) 0.00 0.00 0.00
H - Net Fund Lost (if F is + ve) 0.00 1.25 4.23

TOTAL FUNDS USED (D+F+G) 31.60 28.60 80.85

SUMMARY

Long Term Sources (A+B+G) 19.02 14.94 63.30

Less - Long Term uses (D+H) 5.25 9.65 60.79
Surplus (+) / Short Fall (-) 13.77 5.29 2.51

Short Term Sources ( C ) 12.58 13.66 17.55

Less - Short Term uses (E) 26.35 18.95 20.06
Surplus (+) / Short fall (-) -13.77 -5.29 -2.51
Gap in Funds Flow 0.00 0.00 0.00

BANK-INTERNAL
 1 2 3 4 5 6 7 8 9
2023 2024 2025 2026 2027 2028 2029 2030 2031
12 12 12 12 12 12 12 12 12

Estimated Projected Projected Projected Projected Projected Projected Projected Projected

Crs Crs Crs Crs Crs Crs Crs Crs Crs

0.00 0.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 5.26 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 5.76 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 5.76 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 5.76 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 9.70 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
44.19 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 59.61 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 2.93 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
46.22 9.70 62.54 0.00 0.00 0.00 0.00 0.00 0.00

10.89 8.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

1.52 1.74 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 71.94 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 43.04 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 7.30 0.00 0.00 0.00 0.00 0.00 0.00
12.41 9.74 122.28 0.00 0.00 0.00 0.00 0.00 0.00
58.63 25.20 184.82 0.00 0.00 0.00 0.00 0.00 0.00

48.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

.
0.00 7.23 63.01 0.00 0.00 0.00 0.00 0.00 0.00
0.26 0.00 49.55 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.19 0.00 0.00 0.00 0.00 0.00 0.00
0.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
48.47 7.73 112.75 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 63.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 9.07 0.00 0.00 0.00 0.00 0.00 0.00
3.11 8.84 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7.75 6.60 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
 0.35 2.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00
11.21 17.47 72.07 0.00 0.00 0.00 0.00 0.00 0.00

2.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

-3.08 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
-1.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
-1.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
1.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

59.68 25.20 184.82 0.00 0.00 0.00 0.00 0.00 0.00

47.27 15.46 62.54 0.00 0.00 0.00 0.00 0.00 0.00

48.47 7.73 112.75 0.00 0.00 0.00 0.00 0.00 0.00
-1.20 7.73 -50.21 0.00 0.00 0.00 0.00 0.00 0.00

12.41 9.74 122.28 0.00 0.00 0.00 0.00 0.00 0.00

11.21 17.47 72.07 0.00 0.00 0.00 0.00 0.00 0.00
1.20 -7.73 50.21 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
 10 11 12 13 14 15 16 17 18
2032 2033 2034 2035 2036 2037 2038 2039 2040
12 12 12 12 12 12 12 12 12

Projected Projected Projected Projected Projected Projected Projected Projected Projected

Crs Crs Crs Crs Crs Crs Crs Crs Crs

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
 19 20 21 22 23 24 25 26 27
2041 2042 2043 2044 2045 2046 2047 2048 2049
12 12 12 12 12 12 12 12 12

Projected Projected Projected Projected Projected Projected Projected Projected Projected

Crs Crs Crs Crs Crs Crs Crs Crs Crs

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
 28 29 30 31 32 33 34 35 36
2050 2051 2052 2053 2054 2055 2056 2057 2058
12 12 12 12 12 12 12 12 12

Projected Projected Projected Projected Projected Projected Projected Projected Projected

Crs Crs Crs Crs Crs Crs Crs Crs Crs

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
 BREAK EVEN POINT CALCULATION Variable Fixed
Direct Labour & Wages 75% 25%
S&A 25% 75%
1
2020 2021 2022 2022 2023
Yr.End.(DD-MMM-YY) 31-Mar-20 31-Mar-21 31-Mar-22 31-Mar-22 31-Mar-23
No. Of Months 12 12 12 12 12
Audited Audited Audited Estimates Estimated
accepted in
last sanction

1) Net Sales including operating income 200.26 91.67 136.90 130.12 219.67
Changes in Inventory 0.00 0.00 0.00 0.00 0.00
2) Sale Value of Production 200.26 91.67 136.90 130.12 219.67

3) Variable Costs:-
a) Material, Power, Mfg exp etc 196.56 86.76 137.55 135.25 216.59
b) Direct Labour & Wages @ 75% 2.25 1.50 3.00 0.75 6.75
c) Selling & Administrative Exp @ 25% 0.00 0.00 0.00 0.00 0.00
d) Int on WC 5.48 4.84 4.93 4.87 4.36
Total Variable Costs 204.29 93.10 145.48 140.87 227.70

4) Contribution [2 - 3] -4.03 -1.43 -8.58 -10.75 -8.03

5) PV Ratio [4 ÷ 1] -0.02 -0.02 -0.06 -0.08 -0.04
6) Fixed Costs:-
a) Direct Labour & Wages @ 25% 0.75 0.50 1.00 0.25 2.25
b) Selling & Administrative Exp @ 75% 0.00 0.00 0.00 0.00 0.00
c) Int on TL & others 1.72 2.00 2.00 1.00 1.00
d) Depreciation 3.62 3.08 2.43 3.20 3.08
Total Fixed Costs 6.09 5.58 5.43 4.45 6.33

Operating Profit -10.12 -7.01 -14.01 -15.20 -14.36

7) Break Even Sales [6 ÷ 5] -302.63 -357.71 -86.64 -53.86 -173.16

8) BE Sales / Net Sales [7 ÷ 1 x 100%] -151.12% -390.21% -63.29% -41.40% -78.83%
9) Margin of Safety [1 - 7] 502.89 449.38 223.54 183.98 392.83
10) Margin of Safety % [9 ÷ 1 x 100%] 251.12% 490.21% 163.29% 141.40% 178.83%

Cash Break Even Calculation

11) Cash Fixed Costs 2.47 2.50 3.00 1.25 3.25
12) Cash Break Even Sales [11 ÷ 5] -122.74 -160.26 -47.87 -15.13 -88.91
13) Cash BE Sales / Net Sales [12 ÷ 1 x 100%] -61.29% -174.83% -34.97% -11.63% -40.47%

BANK-INTERNAL
 2 3 4 5 6 7 8 9 10
2024 2025 2026 2027 2028 2029 2030 2031 2032
31-Mar-24 31-Mar-25 31-Mar-26 31-Mar-27 31-Mar-28 31-Mar-29 31-Mar-30 31-Mar-31 31-Mar-32
12 12 12 12 12 12 12 12 12
Projected Projected Projected Projected Projected Projected Projected Projected Projected

319.97 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
319.97 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

306.94 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
321.14 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

-1.17 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5.26 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
12.26 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

-13.43 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

-3352.85 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

-1047.86% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
3672.82 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
1147.86% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

7.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

-1914.35 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
-598.29% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

BANK-INTERNAL
 11 12 13 14 15 16 17 18 19
2033 2034 2035 2036 2037 2038 2039 2040 2041
31-Mar-33 31-Mar-34 31-Mar-35 31-Mar-36 31-Mar-37 31-Mar-38 31-Mar-39 31-Mar-40 31-Mar-41
12 12 12 12 12 12 12 12 12
Projected Projected Projected Projected Projected Projected Projected Projected Projected

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

BANK-INTERNAL
 20 21 22 23 24 25 26 27 28
2042 2043 2044 2045 2046 2047 2048 2049 2050
31-Mar-42 31-Mar-43 31-Mar-44 31-Mar-45 31-Mar-46 31-Mar-47 31-Mar-48 31-Mar-49 31-Mar-50
12 12 12 12 12 12 12 12 12
Projected Projected Projected Projected Projected Projected Projected Projected Projected

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

BANK-INTERNAL
 29 30 31 32 33 34 35 36
2051 2052 2053 2054 2055 2056 2057 2058
31-Mar-51 31-Mar-52 31-Mar-53 31-Mar-54 31-Mar-55 31-Mar-56 31-Mar-57 31-Mar-58
12 12 12 12 12 12 12 12
Projected Projected Projected Projected Projected Projected Projected Projected

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

BANK-INTERNAL
 Name of the Company 0

RATIOS ANALYSIS

Yr.End.(DD-MMM-YY) 31/Mar/20 31/Mar/21 31/Mar/22 31/Mar/22 31/Mar/23 31/Mar/24

No. Of Months 12 12 12 12 12 12
Audited Audited Audited
Estimates accepted in last sanction
Estimated Projected
% Net Cash Accurals / Total Debt 1.88% 2.59% -9.99% -14.07% -3.84% 0.74%
T Acid Test Ratio 3.86 1.31 2.98 4.66 2.86 2.99
T Asset Turnover Ratio= Net Sales / Total Tangible Assets 1.84 0.83 1.12 0.75 1.23 1.69
% Return on investment=EBITDA / Total Tangible Assets 13.17% 13.46% 4.89% 1.00% 3.71% 10.26%
Fixed Assets Coverage Ratio = Net Fixed Assets / Long & medium
T Term Loans (incl. term borrowing maturing within a year) 3.44 0.95 1.33 3.98 1.38 1.50

T (TOL + Cont. Lia.) / ATNW 2.68 2.69 2.25 1.11 3.76 3.11
% % of Cont. lia. To ATNW 33.26% 34.15% 34.90% 17.66% 42.66% 38.35%
% % of outside investment to ATNW 9.58% 10.79% 6.81% 3.45% 7.35% 5.91%

Break Even Ratios

Break Even Net sales in value -302.63 -357.71 -86.64 -53.86 -173.16 -3352.85
Break Even Sales in quantity -30.26 -35.77 -8.66 -5.39 -17.32 -335.28
BEP sales as % to net sales & Quantity -151% -390% -63% -41% -79% -1048%

BANK-INTERNAL
Name of the Company 0

RATIOS ANALYSIS

Yr.End.(DD-MMM-YY) 31/Mar/20 31/Mar/21 31/Mar/22 31/Mar/22 31/Mar/23 31/Mar/24

No. Of Months 12 12 12 12 12 12
Audited Audited Audited
Estimates accepted in last sanction
Estimated Projected

Cash Flow Ratios

Cash Flow Interest Coverage NA 0.00 0.00 0.00 0.00 0.00

Cash Flow DSCR NA 0.00 0.00 0.00 0.00 0.00

Additional data -
Calculation of Purchases 193.60 95.06 138.79 129.00 219.22 309.70

Closing Stock - RM & other Stores 44.82 55.66 59.99 56.35 63.10 71.94
Add - Material & Spares Consumed 193.60 84.22 134.46 132.64 212.47 300.86
Less - Opening Stock - RM & other Stores 44.82 44.82 55.66 59.99 56.35 63.10

BANK-INTERNAL
Name of the Company 0

Project Debt Equity Ratio

1 2 3
DSCR Computation BASE CASE
Year end ### 31-Mar-23 31-Mar-24 31-Mar-25
No. Of Months for which PAT to be considered ### 12 12 12
Estimated Projected Projected
Crs Crs Crs
Net profit after tax -2.03 0.50 0.00
Add - Depreciation 3.08 5.26 0.00
Add - Non cash expenses (net) -5.00 -5.00 0.00
Add - Interest on Term Loans 1.00 5.00 0.00
Total Fund Available -2.95 5.76 0.00
Term Loan instalments 0.00 0.00 0.00
Add - Interest on Term Loans 1.00 5.00 0.00
Total Repayment obligation 1.00 5.00 0.00

DSCR -2.95 1.15 0.00

Average DSCR ### 0.47 1.15 #DIV/0!
Minimum DSCR ### -2.95
DSCR If Projected Sales Price reduces by ###
10%
Year end 31-Mar-23 31-Mar-24 31-Mar-25
No. Of Months 12 12 12
Estimated Projected Projected
Crs Crs Crs
Profit Before Tax -24.13 -31.67 0.00
Less - Revised Tax 0.00 0.00 #DIV/0!
Add - Extraordinary items (Post tax) 0.00 0.00 0.00
Net profit after tax -24.13 -31.67 #DIV/0!
Add - Depreciation 3.08 5.26 0.00
Add - Non cash expenses (net) -5.00 -5.00 0.00
Add - Interest on Term Loans 1.00 5.00 0.00
Total Fund Available -25.05 -26.41 #DIV/0!
Term Loan instalments 0.00 0.00 0.00
Add - Interest on Term Loans 1.00 5.00 0.00
Total Repayment obligation 1.00 5.00 0.00

DSCR -25.05 -5.28 0.00

Average DSCR ### #DIV/0! -5.28 #DIV/0!
Minimum DSCR ### -25.05
DSCR If Projected Raw Material Cost increases by
10%
Year end 31-Mar-23 31-Mar-24 31-Mar-25
No. Of Months 12 12 12
Estimated Projected Projected
Crs Crs Crs
Profit Before Tax -2.03 0.50 0.00
Less - Revised Tax 0.00 0.00 #DIV/0!
Add - Extraordinary items (Post tax) 0.00 0.00 0.00
Net profit after tax -2.03 0.50 #DIV/0!
Add - Depreciation 3.08 5.26 0.00
Add - Non cash expenses (net) -5.00 -5.00 0.00
Add - Interest on Term Loans 1.00 5.00 0.00
Total Fund Available -2.95 5.76 #DIV/0!
Term Loan instalments 0.00 0.00 0.00

BANK-INTERNAL
Add - Interest on Term Loans 1.00 5.00 0.00
Total Repayment obligation 1.00 5.00 0.00

DSCR -2.95 1.15 0.00

Average DSCR ### #DIV/0! 1.15 #DIV/0!
Minimum DSCR ### -2.95

BANK-INTERNAL
 4 5 6 7 8 9 10 11 12

31-Mar-26 31-Mar-27 31-Mar-28 31-Mar-29 31-Mar-30 31-Mar-31 31-Mar-32 31-Mar-33 31-Mar-34

12 12 12 12 12 12 12 12 12
Projected Projected Projected Projected Projected Projected Projected Projected Projected
Crs Crs Crs Crs Crs Crs Crs Crs Crs
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 1.00 2.00 3.00 4.00 5.00 6.00 7.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 1.00 2.00 3.00 4.00 5.00 6.00 7.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

#DIV/0! #DIV/0! 0.00 0.00 0.00 0.00 0.00 0.00 0.00

31-Mar-26 31-Mar-27 31-Mar-28 31-Mar-29 31-Mar-30 31-Mar-31 31-Mar-32 31-Mar-33 31-Mar-34

12 12 12 12 12 12 12 12 12
Projected Projected Projected Projected Projected Projected Projected Projected Projected
Crs Crs Crs Crs Crs Crs Crs Crs Crs
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 1.00 2.00 3.00 4.00 5.00 6.00 7.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 1.00 2.00 3.00 4.00 5.00 6.00 7.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

31-Mar-26 31-Mar-27 31-Mar-28 31-Mar-29 31-Mar-30 31-Mar-31 31-Mar-32 31-Mar-33 31-Mar-34

12 12 12 12 12 12 12 12 12
Projected Projected Projected Projected Projected Projected Projected Projected Projected
Crs Crs Crs Crs Crs Crs Crs Crs Crs
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 1.00 2.00 3.00 4.00 5.00 6.00 7.00

BANK-INTERNAL
 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 1.00 2.00 3.00 4.00 5.00 6.00 7.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

BANK-INTERNAL
 13 14 15 16 17 18 19 20 21

31-Mar-35 31-Mar-36 31-Mar-37 31-Mar-38 31-Mar-39 31-Mar-40 31-Mar-41 31-Mar-42 31-Mar-43

12 12 12 12 12 12 12 12 12
Projected Projected Projected Projected Projected Projected Projected Projected Projected
Crs Crs Crs Crs Crs Crs Crs Crs Crs
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8.00 9.00 10.00 11.00 12.00 13.00 14.00 15.00 16.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8.00 9.00 10.00 11.00 12.00 13.00 14.00 15.00 16.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

31-Mar-35 31-Mar-36 31-Mar-37 31-Mar-38 31-Mar-39 31-Mar-40 31-Mar-41 31-Mar-42 31-Mar-43

12 12 12 12 12 12 12 12 12
Projected Projected Projected Projected Projected Projected Projected Projected Projected
Crs Crs Crs Crs Crs Crs Crs Crs Crs
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
8.00 9.00 10.00 11.00 12.00 13.00 14.00 15.00 16.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8.00 9.00 10.00 11.00 12.00 13.00 14.00 15.00 16.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

31-Mar-35 31-Mar-36 31-Mar-37 31-Mar-38 31-Mar-39 31-Mar-40 31-Mar-41 31-Mar-42 31-Mar-43

12 12 12 12 12 12 12 12 12
Projected Projected Projected Projected Projected Projected Projected Projected Projected
Crs Crs Crs Crs Crs Crs Crs Crs Crs
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
8.00 9.00 10.00 11.00 12.00 13.00 14.00 15.00 16.00

BANK-INTERNAL
 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8.00 9.00 10.00 11.00 12.00 13.00 14.00 15.00 16.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

BANK-INTERNAL
 22 23 24 25 26 27 28 29 30

31-Mar-44 31-Mar-45 31-Mar-46 31-Mar-47 31-Mar-48 31-Mar-49 31-Mar-50 31-Mar-51 31-Mar-52

12 12 12 12 12 12 12 12 12
Projected Projected Projected Projected Projected Projected Projected Projected Projected
Crs Crs Crs Crs Crs Crs Crs Crs Crs
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
17.00 18.00 19.00 20.00 21.00 22.00 23.00 24.00 25.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
17.00 18.00 19.00 20.00 21.00 22.00 23.00 24.00 25.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

31-Mar-44 31-Mar-45 31-Mar-46 31-Mar-47 31-Mar-48 31-Mar-49 31-Mar-50 31-Mar-51 31-Mar-52

12 12 12 12 12 12 12 12 12
Projected Projected Projected Projected Projected Projected Projected Projected Projected
Crs Crs Crs Crs Crs Crs Crs Crs Crs
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
17.00 18.00 19.00 20.00 21.00 22.00 23.00 24.00 25.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
17.00 18.00 19.00 20.00 21.00 22.00 23.00 24.00 25.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

31-Mar-44 31-Mar-45 31-Mar-46 31-Mar-47 31-Mar-48 31-Mar-49 31-Mar-50 31-Mar-51 31-Mar-52

12 12 12 12 12 12 12 12 12
Projected Projected Projected Projected Projected Projected Projected Projected Projected
Crs Crs Crs Crs Crs Crs Crs Crs Crs
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
17.00 18.00 19.00 20.00 21.00 22.00 23.00 24.00 25.00

BANK-INTERNAL
 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
17.00 18.00 19.00 20.00 21.00 22.00 23.00 24.00 25.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

BANK-INTERNAL
 31 32 33 34 35 36

31-Mar-53 31-Mar-54 31-Mar-55 31-Mar-56 31-Mar-57 31-Mar-58

12 12 12 12 12 12
Projected Projected Projected Projected Projected Projected
Crs Crs Crs Crs Crs Crs
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
26.00 27.00 28.00 29.00 30.00 31.00
0.00 0.00 0.00 0.00 0.00 0.00
26.00 27.00 28.00 29.00 30.00 31.00

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

31-Mar-53 31-Mar-54 31-Mar-55 31-Mar-56 31-Mar-57 31-Mar-58

12 12 12 12 12 12
Projected Projected Projected Projected Projected Projected
Crs Crs Crs Crs Crs Crs
0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
26.00 27.00 28.00 29.00 30.00 31.00
0.00 0.00 0.00 0.00 0.00 0.00
26.00 27.00 28.00 29.00 30.00 31.00

0.00 0.00 0.00 0.00 0.00 0.00

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

31-Mar-53 31-Mar-54 31-Mar-55 31-Mar-56 31-Mar-57 31-Mar-58

12 12 12 12 12 12
Projected Projected Projected Projected Projected Projected
Crs Crs Crs Crs Crs Crs
0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
26.00 27.00 28.00 29.00 30.00 31.00

BANK-INTERNAL
 0.00 0.00 0.00 0.00 0.00 0.00
26.00 27.00 28.00 29.00 30.00 31.00

0.00 0.00 0.00 0.00 0.00 0.00

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

BANK-INTERNAL
Method (1 or 2) 1 or 2 1

Name of the Company 0 1 2 3

Year End Mar-20 Mar-21 Mar-22 Mar-22 Mar-23 Mar-24 Mar-25
Estimates
Audited Audited Audited accepted in last Estimated Projected Projected
sanction
No. Of Months 12 12 12 12 12 12 12
Sales 185.26 81.67 130.30 123.52 212.67 312.97 0.00
Cost of sales 199.56 88.76 141.55 136.25 225.59 314.94 0.00
CURRENT ASSETS
Raw Material - Imported 44.82 55.66 59.99 56.35 63.10 71.94 0.00
Raw Material - Indigenous 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Work in process 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Finished Goods 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Stores and spares 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Domestic Receivables 28.34 19.15 28.69 29.86 36.44 43.04 0.00
Export Receivables 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Defferd Recivable 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Advances to suppliers 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Cash & Cash equivalent 0.66 0.67 0.67 0.73 0.80 0.80 0.00
Other current Assets 3.82 1.73 4.25 4.20 4.47 6.50 0.00
I. - TOTAL 77.64 77.21 93.60 91.14 104.81 122.28 0.00
CURRENT LIABILITIES
Sundry Creditors (Trade& Exp) 5.31 7.31 4.25 1.17 5.25 6.14 0.00
Advances from customers 0.00 0.00 0.00 0.00 0.00 0.00 0.00
TL inst-due in 1 yr 1.44 8.02 5.47 5.22 7.24 7.79 0.00
Other Cur Lia & Prov 1.75 1.06 1.56 1.07 2.08 2.93 0.00
Statu Lia (due in 1 yr) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other short term borrowing 0.00 0.00 0.00 0.00 0.00 0.00 0.00
II. - TOTAL 8.50 16.39 11.28 7.46 14.57 16.86 0.00
III W Cap Gap (I - II) 69.14 60.82 82.32 83.68 90.24 105.42 0.00

IV. Act./Proj Bank Bor. Incl. LC 45.96 30.45 44.11 48.00 55.00 63.00 0.00
Creditors and Buyers Credit

V. Total Cur Lia (II+IV) 54.46 46.84 55.39 55.46 69.57 79.86 0.00
VI. Act./Proj NWC 23.18 30.37 38.21 35.68 35.24 42.42 0.00
VII Mini.Stip.NWC 25 % of III or 17.28 15.20 20.58 20.92 22.56 26.36 0.00
I as applicable
VIII. Item III - Item VII 51.85 45.61 61.74 62.76 67.68 79.07 0.00
IX. Item III - Item VI 45.96 30.45 44.11 48.00 55.00 63.00 0.00
X. M P B F 45.96 30.45 44.11 48.00 55.00 63.00 0.00
XI. Excess Borr. if any. 0.00 0.00 0.00 0.00 0.00 0.00 0.00

% of other Current asst to total 4.92% 2.24% 4.54% 4.61% 4.26% 5.32% 0.00%
current assets
% of other Current asst to Net 2.06% 2.12% 3.26% 3.40% 2.10% 2.08% 0.00%
Sales
% of other current lia. to total 3.21% 2.26% 2.82% 1.93% 2.99% 3.67% 0.00%
current lia.
% of other current lia. to cost 0.88% 1.19% 1.10% 0.79% 0.92% 0.93% 0.00%
of sales

BANK-INTERNAL
Method (1 or 2)

Name of the Company 4 5 6 7 8 9 10 11 12

Year End Mar-26 Mar-27 Mar-28 Mar-29 Mar-30 Mar-31 Mar-32 Mar-33 Mar-34

Projected Projected Projected Projected Projected Projected Projected Projected Projected

No. Of Months 12 12 12 12 12 12 12 12 12
Sales 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Cost of sales 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
CURRENT ASSETS
Raw Material - Imported 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Raw Material - Indigenous 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Work in process 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Finished Goods 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Stores and spares 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Domestic Receivables 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Export Receivables 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Defferd Recivable 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Advances to suppliers 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Cash & Cash equivalent 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other current Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
I. - TOTAL 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
CURRENT LIABILITIES
Sundry Creditors (Trade& Exp) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Advances from customers 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
TL inst-due in 1 yr 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other Cur Lia & Prov 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Statu Lia (due in 1 yr) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other short term borrowing 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
II. - TOTAL 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
III W Cap Gap (I - II) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

IV. Act./Proj Bank Bor. Incl. LC 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Creditors and Buyers Credit

V. Total Cur Lia (II+IV) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
VI. Act./Proj NWC 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
VII Mini.Stip.NWC 25 % of III or 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
I as applicable
VIII. Item III - Item VII 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
IX. Item III - Item VI 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
X. M P B F 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
XI. Excess Borr. if any. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

% of other Current asst to total 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
current assets
% of other Current asst to Net 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Sales
% of other current lia. to total 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
current lia.
% of other current lia. to cost 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
of sales

BANK-INTERNAL
Method (1 or 2)

Name of the Company 13 14 15 16 17 18 19 20 21

Year End Mar-35 Mar-36 Mar-37 Mar-38 Mar-39 Mar-40 Mar-41 Mar-42 Mar-43

Projected Projected Projected Projected Projected Projected Projected Projected Projected

No. Of Months 12 12 12 12 12 12 12 12 12
Sales 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Cost of sales 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
CURRENT ASSETS
Raw Material - Imported 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Raw Material - Indigenous 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Work in process 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Finished Goods 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Stores and spares 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Domestic Receivables 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Export Receivables 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Defferd Recivable 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Advances to suppliers 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Cash & Cash equivalent 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other current Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
I. - TOTAL 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
CURRENT LIABILITIES
Sundry Creditors (Trade& Exp) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Advances from customers 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
TL inst-due in 1 yr 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other Cur Lia & Prov 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Statu Lia (due in 1 yr) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other short term borrowing 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
II. - TOTAL 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
III W Cap Gap (I - II) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

IV. Act./Proj Bank Bor. Incl. LC 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Creditors and Buyers Credit

V. Total Cur Lia (II+IV) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
VI. Act./Proj NWC 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
VII Mini.Stip.NWC 25 % of III or 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
I as applicable
VIII. Item III - Item VII 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
IX. Item III - Item VI 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
X. M P B F 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
XI. Excess Borr. if any. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

% of other Current asst to total 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
current assets
% of other Current asst to Net 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Sales
% of other current lia. to total 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
current lia.
% of other current lia. to cost 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
of sales

BANK-INTERNAL
Method (1 or 2)

Name of the Company 22 23 24 25 26 27 28 29 30

Year End Mar-44 Mar-45 Mar-46 Mar-47 Mar-48 Mar-49 Mar-50 Mar-51 Mar-52

Projected Projected Projected Projected Projected Projected Projected Projected Projected

No. Of Months 12 12 12 12 12 12 12 12 12
Sales 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Cost of sales 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
CURRENT ASSETS
Raw Material - Imported 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Raw Material - Indigenous 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Work in process 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Finished Goods 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Stores and spares 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Domestic Receivables 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Export Receivables 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Defferd Recivable 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Advances to suppliers 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Cash & Cash equivalent 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other current Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
I. - TOTAL 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
CURRENT LIABILITIES
Sundry Creditors (Trade& Exp) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Advances from customers 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
TL inst-due in 1 yr 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other Cur Lia & Prov 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Statu Lia (due in 1 yr) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other short term borrowing 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
II. - TOTAL 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
III W Cap Gap (I - II) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

IV. Act./Proj Bank Bor. Incl. LC 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Creditors and Buyers Credit

V. Total Cur Lia (II+IV) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
VI. Act./Proj NWC 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
VII Mini.Stip.NWC 25 % of III or 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
I as applicable
VIII. Item III - Item VII 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
IX. Item III - Item VI 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
X. M P B F 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
XI. Excess Borr. if any. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

% of other Current asst to total 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
current assets
% of other Current asst to Net 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Sales
% of other current lia. to total 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
current lia.
% of other current lia. to cost 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
of sales

BANK-INTERNAL
Method (1 or 2)

Name of the Company 31 32 33 34 35 36

Year End Mar-53 Mar-54 Mar-55 Mar-56 Mar-57 Mar-58

Projected Projected Projected Projected Projected Projected

No. Of Months 12 12 12 12 12 12
Sales 0.00 0.00 0.00 0.00 0.00 0.00
Cost of sales 0.00 0.00 0.00 0.00 0.00 0.00
CURRENT ASSETS
Raw Material - Imported 0.00 0.00 0.00 0.00 0.00 0.00
Raw Material - Indigenous 0.00 0.00 0.00 0.00 0.00 0.00
Work in process 0.00 0.00 0.00 0.00 0.00 0.00
Finished Goods 0.00 0.00 0.00 0.00 0.00 0.00
Stores and spares 0.00 0.00 0.00 0.00 0.00 0.00
Domestic Receivables 0.00 0.00 0.00 0.00 0.00 0.00
Export Receivables 0.00 0.00 0.00 0.00 0.00 0.00
Defferd Recivable 0.00 0.00 0.00 0.00 0.00 0.00
Advances to suppliers 0.00 0.00 0.00 0.00 0.00 0.00
Cash & Cash equivalent 0.00 0.00 0.00 0.00 0.00 0.00
Other current Assets 0.00 0.00 0.00 0.00 0.00 0.00
I. - TOTAL 0.00 0.00 0.00 0.00 0.00 0.00
CURRENT LIABILITIES
Sundry Creditors (Trade& Exp) 0.00 0.00 0.00 0.00 0.00 0.00
Advances from customers 0.00 0.00 0.00 0.00 0.00 0.00
TL inst-due in 1 yr 0.00 0.00 0.00 0.00 0.00 0.00
Other Cur Lia & Prov 0.00 0.00 0.00 0.00 0.00 0.00
Statu Lia (due in 1 yr) 0.00 0.00 0.00 0.00 0.00 0.00
Other short term borrowing 0.00 0.00 0.00 0.00 0.00 0.00
II. - TOTAL 0.00 0.00 0.00 0.00 0.00 0.00
III W Cap Gap (I - II) 0.00 0.00 0.00 0.00 0.00 0.00

IV. Act./Proj Bank Bor. Incl. LC 0.00 0.00 0.00 0.00 0.00 0.00
Creditors and Buyers Credit

V. Total Cur Lia (II+IV) 0.00 0.00 0.00 0.00 0.00 0.00
VI. Act./Proj NWC 0.00 0.00 0.00 0.00 0.00 0.00
VII Mini.Stip.NWC 25 % of III or 0.00 0.00 0.00 0.00 0.00 0.00
I as applicable
VIII. Item III - Item VII 0.00 0.00 0.00 0.00 0.00 0.00
IX. Item III - Item VI 0.00 0.00 0.00 0.00 0.00 0.00
X. M P B F 0.00 0.00 0.00 0.00 0.00 0.00
XI. Excess Borr. if any. 0.00 0.00 0.00 0.00 0.00 0.00

% of other Current asst to total 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
current assets
% of other Current asst to Net 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Sales
% of other current lia. to total 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
current lia.
% of other current lia. to cost 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
of sales

BANK-INTERNAL
 Estimates
accepted in
Particulars Audited Audited Audited last Estimated
sanction
Balance Sheet Data/Capital Structure 2020 2021 2022 2022 2023
Net Revenue / Sales 185.26 81.67 130.30 123.52 212.67
NPAT 2.43 3.28 -3.68 -7.43 -2.03
TNW 30.07 29.28 40.11 84.92 39.85
Operating Cash Profit 0.70 2.91 -4.65 -6.13 -5.92
EBITDA 13.25 13.20 5.68 1.64 6.41
Debt (O/S) 57.57 53.59 64.13 66.69 104.95
-Long Term 8.42 14.06 12.99 12.40 40.63
- Short Term 49.15 39.53 51.14 54.29 64.32
Total Debt/EBITDA 4.21 3.98 11.02 40.01 16.05
Interest Coverage ratio 1.84 1.93 0.82 0.28 1.20
Leverage (TOL/ATNW) 2.34 2.35 1.90 0.93 3.33
Current Ratio 1.43 1.65 1.69 1.64 1.51
Contingent Liabilities & Commitments 10.00 10.00 14.00 15.00 17.00
Capital Commitment 0.00 0.00 0.00 0.00 0.00
Unhedged Forex 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
Projected

2024
312.97
0.50
49.55
5.03
18.96
105.63
31.91
73.72
5.42
1.44
2.73
1.53
19.00
0.00
0.00

BANK-INTERNAL
 LCM INPUT
Value in Lacs
BASIC INFORMATION

Last year of audited / provisional results 2022

Company Code
Name of the Company 0
Industry (as per ASCROM classification) VEHICLES
Currency INR
Auditors 0
2020 2021 2022 2023 2024
Year ended (DD-Mon-YYYY) 31-Mar-20 31-Mar-21 31-Mar-22 31-Mar-23 31-Mar-24
No. Of Months 12 12 12 12 12
Exchange Rate 1 1 1 1 1
Audited Audited Audited Estimated Projected
PROFIT & LOSS ACCOUNT INPUT
Gross Sales
- Domestic 196.32 88.53 138.42 221.01 321.67
- Export 0.00 0.00 0.00 0.00 0.00
Sub Total (Gross Sales) 196.32 88.53 138.42 221.01 321.67

Less Excise Duty 11.06 6.86 8.12 8.34 8.70

Net Sales 185.26 81.67 130.30 212.67 312.97

% wise rise/fall in net sales as compared to

previous year 0% -56% 60% 63% 47%

Other Operating Income

Export Incentives 15.00 10.00 6.60 7.00 7.00
Duty Drawback 0.00 0.00 0.00 0.00 0.00
Others 0.00 0.00 0.00 0.00 0.00
Total Operating Income 200.26 91.67 136.90 219.67 319.97

Cost of Sales
Raw materials consumed
i) Imported 0.00 0.00 0.00 0.00 0.00
ii) Indigenous 0.00 0.00 0.00 0.00 0.00

Other Spares consumed

i) Imported 193.60 84.22 134.46 212.47 300.86
ii) Indigenous 0.00 0.00 0.00 0.00 0.00

Power and fuel 2.96 2.54 3.09 4.12 6.08

Labour and wages 3.00 2.00 4.00 9.00 8.00
Other manufacturing expenses 0.00 0.00 0.00 0.00 0.00
Depreciation 3.62 3.08 2.43 3.08 5.26
Sub Total 203.18 91.84 143.98 228.67 320.20

BANK-INTERNAL
Add: Op. Stock of WIP 0.00 0.00 0.00 0.00 0.00
Less: Cl. Stock of WIP 0.00 0.00 0.00 0.00 0.00
Total Cost of Production 203.18 91.84 143.98 228.67 320.20

Add Opening Stock of Finished Goods 0.00 0.00 0.00 0.00 0.00
Less: Cl. Stock of Finished Goods 0.00 0.00 0.00 0.00 0.00
Total Cost of goods sold 203.18 91.84 143.98 228.67 320.20

Selling, Gen. & Administration Exp 0.00 0.00 0.00 0.00 0.00

Cost of Sales 203.18 91.84 143.98 228.67 320.20

Operating Profit before Interest -2.92 -0.17 -7.08 -9.00 -0.23

Interest payment to Banks & FIs

Interest - WC 5.48 4.84 4.93 4.36 8.20
Interest - Term Loans 1.72 2.00 2.00 1.00 5.00
Interest payment to USL & Others
Interest - USL 0.00 0.00 0.00 0.00 0.00
Interest - other Borrowing cost (incl. finance cha 0.00 0.00 0.00 0.00 0.00
Total Interest 7.20 6.84 6.93 5.36 13.20

Operating Profit after Interest -10.12 -7.01 -14.01 -14.36 -13.43

Non Operating Items

Add Non Operating Income

Profit on sale of assets/ investments 0.83 0.42 0.83 1.33 1.93
Investments and Dividend 0.00 0.00 0.00 0.00 0.00
Forex gains 5.00 5.00 5.00 5.00 5.00
Non-op. income from subsidiaries 5.00 4.00 3.00 6.00 7.00
Tax Refund 0.00 0.00 0.00 0.00 0.00
Other Non Operating Income 1.72 0.87 1.50 0.00 0.00
Total non-operating Income 12.55 10.29 10.33 12.33 13.93

Deduct Non Operating Expenses

Loss on sale of assets 0.00 0.00 0.00 0.00 0.00
Prem. Expenses w/off 0.00 0.00 0.00 0.00 0.00
Other Non- operating exp. 0.00 0.00 0.00 0.00 0.00
Total Non-operating expenses 0.00 0.00 0.00 0.00 0.00

Net of Non-operating Income / Expenses 12.55 10.29 10.33 12.33 13.93

Profit Before Interest Depreciation & Taxes

(PBIDT) 13.25 13.20 5.68 6.41 18.96

Profit Before tax 2.43 3.28 -3.68 -2.03 0.50

Provision for taxation:

BANK-INTERNAL
 Current 0.00 0.00 0.00 0.00 0.00
Deferred 0.00 0.00 0.00 0.00 0.00
Sub Total: Provision for taxation 0.00 0.00 0.00 0.00 0.00

Net Profit After tax 2.43 3.28 -3.68 -2.03 0.50

Extraordinary Items adjustments:

Extraordinary Income adjustments (+) 1.72 0.87 1.50 0.00 0.00
Extraordinary Expenses adjustments (-) 0.00 0.00 0.00 0.00 0.00
SubTotal Extraordinary items 1.72 0.87 1.50 0.00 0.00

Adjusted PAT (excl Extraordinary Items) 0.71 2.41 -5.18 -2.03 0.50

Cash Appropriation from Profit

Dividend 0.00 0.00 0.00 0.00 0.00
Dividend Tax 0.00 0.00 0.00 0.00 0.00
Other Cash Appropriation 0.00 0.00 0.00 0.00 0.00
Partners' withdrawal 0.00 0.00 0.00 0.00 0.00
Dividend (%) 0.00% 0.00% 0.00% 0.00% 0.00%
Retained Profit 2.43 3.28 -3.68 -2.03 0.50

Cash Accruals 1.05 1.36 -6.25 -3.95 0.76

BALANCE SHEET (LIABILITIES ) INPUT

CURRENT LIABILITIES

Short term borrowings from Banks (including

bills payable, discounted & excess borrowings
placed on repayment basis)
Bank Borrowings - From our Bank 45.96 30.45 44.11 55.00 63.00
Bank Borrowings - From other Banks & FI 0.00 0.00 0.00 0.00 0.00
Sub Total 45.96 30.45 44.11 55.00 63.00

Short term borrowings from Associates &

Group Concerns 0.00 0.00 0.00 0.00 0.00

Short term borrowings from Others 0.00 0.00 0.00 0.00 0.00

Creditors for purchases & Expenses 5.31 7.31 4.25 5.25 6.14

Advances/ payments from customers/deposits

from dealers. 0.00 0.00 0.00 0.00 0.00

Provisions
- Tax 1.75 1.06 1.56 2.08 2.93
-Others 0.00 0.00 0.00 0.00 0.00

Dividends Payable 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
Statutory liabilities due within one year 0.00 0.00 0.00 0.00 0.00

Installments of Term Loans / Deferred payment

credits / Debentures / deposits / redeemable
preference shares (due within one year) - To
Banks 1.44 8.02 5.47 7.24 7.79

Deposits 0.00 0.00 0.00 0.00 0.00

Other Current Liabilities due within one year 0.00 0.00 0.00 0.00 0.00

Total Current Liabilities 54.46 46.84 55.39 69.57 79.86

TERM LIABILITIES

Debentures 0.00 0.00 0.00 0.00 0.00

Preference Share Capital (Residual Periods < 12 ye 0.00 0.00 0.00 0.00 0.00
Long Term Deposit 0.47 0.28 0.19 0.19 0.19
Deferred Tax Liability 0.00 0.00 0.00 0.00 0.00
Term Loans - From Banks 4.39 10.61 9.51 39.69 31.91
Term Loans - From FIs 0.00 0.00 0.00 0.00 0.00
Borrowings from subsidiaries / affiliates (Not
treated as quasi equity) 4.03 3.45 3.48 0.94 0.00
Borrowings from subsidiaries / affiliates (Quasi
Equity) 7.15 7.59 7.59 22.37 23.31
Other Long Term Borrowings (Not Classified
above) [Secured + Unsecured] 0.00 0.00 0.00 0.00 0.00
Other terms liabilities 0.00 0.00 0.00 0.00 0.00
Total Term Liabilities 8.89 14.34 13.18 40.82 32.10

TOTAL OUTSIDE LIABILITIES 63.35 61.18 68.57 110.39 111.96

NET WORTH
Share Capital
Equity Share Capital (Paid-up) 30.07 29.28 40.11 39.85 49.55
Preference Share Capital (paid up) (Residual Pe 0.00 0.00 0.00 0.00 0.00
Sub Total (Share Capital) 30.07 29.28 40.11 39.85 49.55

General Reserve 0.00 0.00 0.00 0.00 0.00

Revaluation Reserve 0.00 0.00 0.00 0.00 0.00
Share Application Money (Finalized for allotment) 0.00 0.00 0.00 0.00 0.00

Other Reserves & Surplus:

Share Premium 0.00 0.00 0.00 0.00 0.00
Capital subsidy 0.00 0.00 0.00 0.00 0.00
Others 0.00 0.00 0.00 0.00 0.00
Balance in P&L Account (+ / - ) 0.00 0.00 0.00 0.00 0.00

NET WORTH 37.22 36.87 47.70 62.22 72.86

BANK-INTERNAL
TOTAL LIABILITIES 100.57 98.05 116.27 172.61 184.82

BALANCE SHEET (ASSETS) INPUT

CURRENT ASSETS

Cash & Bank Balances 0.66 0.67 0.67 0.80 0.80

Investments
Govt. and other trustee Securities, Fixed Deposi 0.00 0.00 0.00 0.00 0.00
Fixed Deposits with Banks
Others

Receivables
Receivables Other than Deferred & exports (Do 28.34 19.15 28.69 36.44 43.04
Export Receivables 0.00 0.00 0.00 0.00 0.00
Note :
1. All receivable upto 180 days only to be included.
2. Sale bills negotiated under LC to be excluded.

Deferred receivable (due within one year.) 0.00 0.00 0.00 0.00 0.00

Inventory
Raw Materials - Imported 44.82 55.66 59.99 63.10 71.94
Raw Materials - Indigenous 0.00 0.00 0.00 0.00 0.00
Work in process 0.00 0.00 0.00 0.00 0.00
Finished Goods (incl Traded Goods) 0.00 0.00 0.00 0.00 0.00
Other consumable spares - Imported 0.00 0.00 0.00 0.00 0.00
Other consumable spares - Indigenous 0.00 0.00 0.00 0.00 0.00
Sub total (Inventory) 44.82 55.66 59.99 63.10 71.94

Advances to suppliers 0.00 0.00 0.00 0.00 0.00

Advance payment of tax 0.00 0.00 0.00 0.00 0.00

Other Current Assets 3.82 1.73 4.25 4.47 6.50

TOTAL CURRENT ASSETS 77.64 77.21 93.60 104.81 122.28

FIXED ASSETS
Gross Block 20.05 17.68 19.94 64.87 59.61
Less: Accumulated Depreciation 0.00 0.00 0.00 0.00 0.00
Net Block 20.05 17.68 19.94 64.87 59.61

Capital Work in progress 0.00 0.00 0.00 0.00 0.00

NON-CURRENT ASSETS

Investments / Book Debts / Advances /

Deposits (which are not current assets):

BANK-INTERNAL
 Investments in Group concerns 1.55 1.83 0.50 1.60 1.60
Loans to group concerns / Advances to subsidia 0.00 0.00 0.00 0.00 0.00
Investments in others 1.33 1.33 2.23 1.33 1.33
Advances to suppliers of capital goods and
contractors 0.00 0.00 0.00 0.00 0.00
Deferred receivables (maturity exceeding one y 0.00 0.00 0.00 0.00 0.00
Debtors > 6 mths. 0.00 0.00 0.00 0.00 0.00
Others (Loans & Advances non current in
nature etc.) 0.00 0.00 0.00 0.00 0.00

Deferred Tax Asset 0.00 0.00 0.00 0.00 0.00

Other Non-current Assets

(incld. Dues from directors, ICDs) 0.00 0.00 0.00 0.00 0.00

TOTAL NON CURRENT ASSETS 2.88 3.16 2.73 2.93 2.93

Intangible Assets:
Goodwill, Patents & trademarks 0.00 0.00 0.00 0.00 0.00
Accumulated Losses,Preliminary
expenses,Miscellaneous expenditure not w/off,
Other deferred revenue expenses 0.00 0.00 0.00 0.00 0.00

TOTAL ASSETS 100.57 98.05 116.27 172.61 184.82

37.22
ADJUSTED TANGIBLE NETWORTH (Including Quasi Equity) 36.87 47.70 62.22 72.86

DIFFERENCE IN B/S 0.00 0.00 0.00 0.00 0.00

Capital Employed (Ecl. FIOB) 90.63 86.52 107.73 162.35 172.82
Net working capital 23.18 30.37 38.21 35.24 42.42
Current Ratio (Considering TL installments due with 1.43 1.65 1.69 1.51 1.53
TOL / ATNW (treating quasi equity as part of TNW) 1.70 1.66 1.44 1.77 1.54

ADDITIONAL INFORMATION
Arrears of depreciation 0.00 0.00 0.00 0.00 0.00

Contingent liabilities
Arrears of cumulative dividends 0.00 0.00 0.00 0.00 0.00
Guarantees issued (relating to business) 0.00 0.00 0.00 0.00 0.00
Guarantees issued (for group companies) 10.00 10.00 14.00 17.00 19.00
Gratuity Liability not provided for 0.00 0.00 0.00 0.00 0.00
Disputed excise / customs / tax Liabilities 0.00 0.00 0.00 0.00 0.00
LCs 0.00 0.00 0.00 0.00 0.00
All other contingent liabilities
(incldg. Bills purchased - Under LC) 0.00 0.00 0.00 0.00 0.00
Repayments due within one year 0.00 0.00 0.00 0.00 0.00
Preference Share Capital (due in less than a year) 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
 1
2 LCM - Project Input
3 Value in Lacs
4 BASIC INFORMATION
5 Please Enter Data In Blue Coloured Cell
6 Base Year of the Project (YYYY) 2018
7 Company Code
8 Name of the Company 0
9 Industry (as per ASCROM classification) 0
10 BREAKEVEN SALES YEAR (YYYY)
11 Years 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043 2044 2045 2046 2047 2048 2049 2050 2051 2052 2053 2054
12
13 Stress Testing for DSCR
% by which the cash revenues are shocked
14 downwards 10.00%
15
16
17 Gearing:
18
Total Debt required for the entire Project (from start
19 to end)
Total Equity required for the entire Project (from
20 start to end)
21 Total Project Cost 0.000
23
24 CASH FLOWS
25 Incremental Equity (Optional)
26 Incremental Debt (Optional)
Incremental investment in Fixed Assets/ Capital
27 Investments (cash investments)
28 Gross Fixed Assets 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00
29 Depreciation charged for the year
30 Accumalated Depreciation 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
31 Net fixed Assets 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00
32
33 Net Working Capital
34
35 Net Fixed Assets + Net Working Capital 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00
36
37
38 Sales / Revenue from the project
Expenses incurred due to the functioning of the
project other than capital expenditure, depreciation
39 and interest
All Non cash revenue such as profit on sale of fixed
assets, appreciation in the value of assets, forex
40 gains etc. 10.000
All Non Cash expenses including loss on sale of
41 fixed assets but excluding depreciation
42 Depreciation 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
43 Interest and finance charges
44 Profit before tax 10.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Profit Before Tax if Revenues are shocked
45 downwards 10.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
46
47 Tax 1.000
48 PAT 9.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
49 PAT if Revenues are shocked downwards 9.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
50
51
52 Cash generated from sale of fixed assets
53
54 Fixed Cost 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
55 Variable Cost 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
56
Enter year from which the cash flows stabalize and
are presumed to be the same in every period after
57 this year (YYYY)
61
62 Debt Schedule
63
Starting year of the loan sanctioned/ to be
64 sanctioned by our bank (YYYY)
Ending year of the loan santioned/ to be
65 sanctioned by our bank (YYYY)
66
67
Total Debt payable within one year (Principal
68 component)
69 Total Interest & Finance Charges 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Debt payable within one year including
70 Interest & Finance Charges 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000

71 PAT + Depreciation + Interest & Finance Charges 9.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
 Summarised Information

To be
Printed Particulars Audited Audited Audited

Balance Sheet Data/Capital Structure 2020 2021 2022

Yes Equity Share capital 30.07 29.28 40.11
Yes Preference Share Capital 0.00 0.00 0.00

Yes Share Application (finalized for Allotment) & Securities 0.00 0.00 0.00
Premium
Yes Other Reserves & Surplus (excl. Rev. reserves & net of intan 0.00 0.00 0.00
Yes Accumulated Profit & Loss 0.00 0.00 0.00
Yes Tangible Net worth 30.07 29.28 40.11
Yes Deferred Tax Liabilities / (Assets) 0.00 0.00 0.00
Yes Adjusted TNW 30.07 29.28 40.11
Yes Funds Invested Outside Business (FIOB) 2.88 3.16 2.73
Yes Net Owned Funds 27.19 26.12 37.38
Yes Term Liabilities (of which) 16.04 21.93 20.77
Yes -- Term Loans from Banks & FI 4.39 10.61 9.51
Yes Quasi Equity 7.15 7.59 7.59
Yes Other LT Borrowings not classified above 4.03 3.45 3.48
Yes Debentures 0.00 0.00 0.00
Yes -- Others Term Liabilities & Provisions 0.47 0.28 0.19
Yes Capital Employed 43.23 48.05 58.15
Yes Net Block (Excl. Revaluation Rsv.) 20.05 17.68 19.94
Yes Non-current assets 0.00 0.00 0.00
Yes
Yes
Yes
Yes Current Assets 77.64 77.21 93.60
Yes Inventories 44.82 55.66 59.99
Yes Debtors 28.34 19.15 28.69
Yes -- Cash & Bank Balance 0.66 0.67 0.67
Yes -- ST Investments 0.00 0.00 0.00
Yes -- Other Current Assets 3.82 1.73 4.25
Yes Current Liabilities 54.46 46.84 55.39
Yes -- Creditors 5.31 7.31 4.25
Yes -- Creditors for LC / Buyers Credit 0.00 0.00 0.00
Yes -- Bank Borrowings 45.96 30.45 44.11
Yes -- Term Borrowings Payable in one year 1.44 8.02 5.47
Yes -- Other Short Term Borrowings 0.00 0.00 0.00
Yes -- Other Liabilities & Provisions 1.75 1.06 1.56
Yes Net Current Assets 23.18 30.37 38.21
Yes Capital Deployed 43.23 48.05 58.15
Yes Additional Information
Yes Secured Long Term Borrowings (Excl. Term borrowing matur 4.39 10.61 9.51

BANK-INTERNAL
Yes Unsecured Long Term Borrowings 11.18 11.04 11.07
Yes Operational Data:
Yes Gross Sales 196.32 88.53 138.42
Yes (-) Goods & Services Tax 11.06 6.86 8.12
Yes Net sales 185.26 81.67 130.30
Yes -- of which Export Sales 0.00 0.00 0.00
Yes Other Operating Income 15.00 10.00 6.60
Yes Total Operating Income (TOI) 200.26 91.67 136.90
Yes Non-Operating Income 12.55 10.29 10.33
Yes Total Income (TI) 212.81 101.96 147.23
Yes Cost of goods sold 199.56 88.76 141.55
Yes Admn. Selling expenses 0.00 0.00 0.00
Yes Depreciation 3.62 3.08 2.43
Yes Interest & Financial Charges 7.20 6.84 6.93
Yes Profit Before Tax (PBT) 2.43 3.28 -3.68
Yes Tax provisions 0.00 0.00 0.00
Yes Extraordinary Items (Post Tax) 0.00 0.00 0.00
Yes Net profit after tax (PAT) 2.43 3.28 -3.68
Yes Dividend / App. 0.00 0.00 0.00
Yes Net profit retained in business 2.43 3.28 -3.68
Yes Cash Accruals 1.05 1.36 -6.25
Yes EBIT 9.63 10.12 3.25
Yes Operating Cash Profit (EBIT+Depreciation - Non Operating 0.70 2.91 -4.65
Yes EBITDA 13.25 13.20 5.68
Yes Adjusted Net Profit (Exc. All extraordinary items) 0.71 2.41 -5.18
Yes Ratio Analysis:
Yes Operating Profit margin {OPBDIT/TOI %} 0.35% 3.17% -3.40%
Yes PBT/NS (in %) 1.31% 4.02% -2.82%
Yes PAT/NS (in %) 1.31% 4.02% -2.82%
Yes Total Debt/EBITDA 4.21 3.98 11.02
Yes Return on capital employed (in %) -6.75% -0.35% -12.18%
Yes PAT/ATNW 8.08% 11.20% -9.17%
Yes Current Ratio (Considering TL inst.) 1.43 1.65 1.69
Yes Current Ratio (without considering TL inst.) 1.46 1.99 1.88
Yes DE Ratio (TTL/ATNW) 0.59 0.84 0.56
Yes DE Ratio (TOL/ATNW) 2.59 2.63 2.04
Yes DE Ratio (TTL/TNW) 0.53 0.75 0.52
Yes DE Ratio (TOL/TNW) 2.34 2.35 1.90
Yes DE Ratio (TTL/ATNW) [Networth includes Quasi Equity] 0.26 0.43 0.29
Yes DE Ratio (TOL/ATNW) [Networth includes Quasi Equity] 1.84 1.81 1.52
Yes (TOL + Cont. Lia.) / ATNW 2.96 3.02 2.41
Yes % of Cont. lia. To ATNW 0.37 0.38 0.37
Yes Interest Coverage Ratio {EBITDA/Interest} 1.84 1.93 0.82
Yes Inventory Holding level (days) 85 241 163
Yes Debtors (days) 53 79 76
Yes Creditors level (days) 8 28 11
Yes
Yes

BANK-INTERNAL
 Other Additional Information (Other Bifurcation if
Yes Required)

Yes 1) NCD
Yes 2) CP

Calculation of MPBF under Method (1 or 2)? 2

PBF as per MPBF Method 2 Crs

Audited Audited Audited

Year 2020 2021 2022

a) Total Current Assets [TCA] 77.64 77.21 93.60
b) (Minus) Current liabilities less Bank finance & Creditors un 8.50 16.39 11.28
c) Working Capital Gap {a - b} [WCG] 69.14 60.82 82.32

d) Total Current Liabilities 54.46 46.84 55.39

e) Export Receivables 0.00 0.00 0.00

Less: Margin: Higher of -

25% of (TCA excl Exp Rec) 19.41 19.30 23.40
Net Working Capital {a - d} 23.18 30.37 38.21
f) Margin 23.18 30.37 38.21

g) MAXIMUM PERMISSIBLE BANK FINANCE {c - f} 45.96 30.45 44.11

h) Bank Borrowing 45.96 30.45 44.11
i) Excess Borrowing 0.00 0.00 0.00

Working Capital Cycle Days

Item [Basis] 2020 2021 2022
a) Debtors [Gross Sales] 53 79 76
-- Domestic Receivables (incl > 6 months) 53 79 76
-- Export Receivables -- -- --
-- Deferred Receivables 0 0 0
b) Total Inventory 85 241 163
-- RM & Stores [RM & Stores Consumed] 85 241 163
-- WIP [COP] 0 0 0
-- Finished Goods [COGS] 0 0 0
c) Advance to Suppliers [RM & Stores Consumed] 0 0 0
d) Funding Requirement for 138 320 239

e) Creditors & Buyer's Credit [RM & Stores Purchase Cost] 8 28 11

f) Advance from Customers [Gross Sales] 0 0 0

g) External Credit Available for 8 28 11
h) Net WC Cycle 130 292 228

Year End Mar-20 Mar-21 Mar-22

BANK-INTERNAL
 Audited Audited Audited
No of Months 12 12 12
i) I. CURRENT ASSETS 77.64 77.21 93.60
Export receivables 0.00 0.00 0.00
II. CURRENT LIABILITIES (excl Bank borrowing) 8.50 16.39 11.28
III W Cap Gap (I - II) 69.14 60.82 82.32
III(a) W Cap Gap (I - II)-Excl export Rcvbl 69.14 60.82 82.32
25% of Working capital Gap - Excl Export Rcvbl 17.28 15.21 20.58
IV. Act./Proj Bank Bor. Incl. LC Creditors and Buyers
Credit 45.96 30.45 44.11

V. Total Cur Lia (II+IV) 54.46 46.84 55.39

VI. Act./Proj NWC 23.18 30.37 38.21
VII Mini.Stip.NWC 25 % of III(a) or I as applicable 17.28 15.21 20.58
VIII. Item III - Item VII 51.85 45.61 61.74
IX. Item III - Item VI 45.96 30.45 44.11
X. M P B F 45.96 30.45 44.11
XI. Excess Borr. if any. 0.00 0.00 0.00

Yes PBDIT/TA 0.13 0.13 0.05

Yes Paid up capital 30.07 29.28 40.11
Yes Deferred Tax Liability 0 0 0
Yes Unsecured Loan 11.18 11.04 11.07
Yes FACR 1.29 0.82 0.97

BANK-INTERNAL
 1 2 3 4 5 6 7 8 9
Estimates
accepted
in last Estimated Projected Projected Projected Projected Projected Projected Projected Projected
sanction
2022 2023 2024 2025 2026 2027 2028 2029 2030 2031
84.92 39.85 49.55 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
84.92 39.85 49.55 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
84.92 39.85 49.55 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2.93 2.93 2.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00
81.99 36.92 46.62 0.00 0.00 0.00 0.00 0.00 0.00 0.00
23.73 63.19 55.41 0.00 0.00 0.00 0.00 0.00 0.00 0.00
12.40 39.69 31.91 0.00 0.00 0.00 0.00 0.00 0.00 0.00
11.05 22.37 23.31 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.94 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.28 0.19 0.19 0.00 0.00 0.00 0.00 0.00 0.00 0.00
105.72 100.11 102.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00
70.04 64.87 59.61 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

91.14 104.81 122.28 0.00 0.00 0.00 0.00 0.00 0.00 0.00
56.35 63.10 71.94 0.00 0.00 0.00 0.00 0.00 0.00 0.00
29.86 36.44 43.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.73 0.80 0.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4.20 4.47 6.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00
55.46 69.57 79.86 0.00 0.00 0.00 0.00 0.00 0.00 0.00
1.17 5.25 6.14 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
48.00 55.00 63.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5.22 7.24 7.79 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
1.07 2.08 2.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00
35.68 35.24 42.42 0.00 0.00 0.00 0.00 0.00 0.00 0.00
105.72 100.11 102.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12.40 39.69 31.91 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
 11.05 23.31 23.31 0.00 0.00 0.00 0.00 0.00 0.00 0.00

134.41 221.01 321.67 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10.89 8.34 8.70 0.00 0.00 0.00 0.00 0.00 0.00 0.00
123.52 212.67 312.97 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6.60 7.00 7.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
130.12 219.67 319.97 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7.77 12.33 13.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00
137.89 232.00 333.90 0.00 0.00 0.00 0.00 0.00 0.00 0.00
136.25 225.59 314.94 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3.20 3.08 5.26 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5.87 5.36 13.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00
-7.43 -2.03 0.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
-7.43 -2.03 0.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
-7.43 -2.03 0.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00
-9.23 -3.95 0.76 0.00 0.00 0.00 0.00 0.00 0.00 0.00
-1.56 3.33 13.70 0.00 0.00 0.00 0.00 0.00 0.00 0.00
-6.13 -5.92 5.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00
1.64 6.41 18.96 0.00 0.00 0.00 0.00 0.00 0.00 0.00
-7.43 -2.03 0.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00

-4.71% -2.69% 1.57% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
-6.02% -0.95% 0.16% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
-6.02% -0.95% 0.16% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
4001.22% 16.05 5.42 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
-0.09 -8.99% -0.23% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
-8.75% -5.09% 1.01% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
1.64 1.51 1.53 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
1.81 1.68 1.70 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.29 1.71 1.19 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.97 3.60 2.90 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.28 1.59 1.12 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.93 3.33 2.73 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.14 0.69 0.46 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.73 1.86 1.60 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
1.15 4.06 3.31 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.18 0.46 0.41 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.28 1.20 1.44 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
155 108 87 0 0 0 0 0 0 0
81 60 49 0 0 0 0 0 0 0
3 9 7 0 -- -- -- -- -- --

BANK-INTERNAL
Estimates
accepted
in last Estimated Projected Projected Projected Projected Projected Projected Projected Projected
sanction
2022 2023 2024 2025 2026 2027 2028 2029 2030 2031
91.14 104.81 122.28 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7.46 14.57 16.86 0.00 0.00 0.00 0.00 0.00 0.00 0.00
83.68 90.24 105.42 0.00 0.00 0.00 0.00 0.00 0.00 0.00

55.46 69.57 79.86 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

22.79 26.20 30.57 0.00 0.00 0.00 0.00 0.00 0.00 0.00
35.68 35.24 42.42 0.00 0.00 0.00 0.00 0.00 0.00 0.00
35.68 35.24 42.42 0.00 0.00 0.00 0.00 0.00 0.00 0.00

48.00 55.00 63.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
48.00 55.00 63.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2022 2023 2024 2025 2026 2027 2028 2029 2030 2031
81 60 49 0 0 0 0 0 0 0
81 60 49 -- -- -- -- -- -- --
-- -- -- -- -- -- -- -- -- --
0 0 0 -- -- -- -- -- -- --
155 108 87 0 0 0 0 0 0 0
155 108 87 -- -- -- -- -- -- --
0 0 0 -- -- -- -- -- -- --
0 0 0 -- -- -- -- -- -- --
0 0 0 -- -- -- -- -- -- --
236 168 136 -- -- -- -- -- -- --

3 9 7 0 -- -- -- -- -- --

0 0 0 -- -- -- -- -- -- --
3 9 7 0 0 0 0 0 0 0
233 159 129 -- -- -- -- -- -- --

Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Mar-27 Mar-28 Mar-29 Mar-30 Mar-31

BANK-INTERNAL
Estimates accepted in lastEstimated
sanction Projected Projected Projected Projected Projected Projected Projected Projected
12 12 12 12 12 12 12 12 12 12
91.14 104.81 122.28 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7.46 14.57 16.86 0.00 0.00 0.00 0.00 0.00 0.00 0.00
83.68 90.24 105.42 0.00 0.00 0.00 0.00 0.00 0.00 0.00
83.68 90.24 105.42 0.00 0.00 0.00 0.00 0.00 0.00 0.00
20.92 22.56 26.35 0.00 0.00 0.00 0.00 0.00 0.00 0.00

48.00 55.00 63.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

55.46 69.57 79.86 0.00 0.00 0.00 0.00 0.00 0.00 0.00
35.68 35.24 42.42 0.00 0.00 0.00 0.00 0.00 0.00 0.00
20.92 22.56 26.35 0.00 0.00 0.00 0.00 0.00 0.00 0.00
62.76 67.68 79.07 0.00 0.00 0.00 0.00 0.00 0.00 0.00
48.00 55.00 63.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
48.00 55.00 63.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.01 0.04 0.10 0.00

84.92 39.85 49.55 0.00
0 0 0 0
11.05 23.31 23.31 0.00
2.99 1.03 1.08 0.00

BANK-INTERNAL
 10 11 12 13 14 15 16 17 18 19

Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected

2032 2033 2034 2035 2036 2037 2038 2039 2040 2041
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0
-- -- -- -- -- -- -- -- -- --

BANK-INTERNAL
Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected

2032 2033 2034 2035 2036 2037 2038 2039 2040 2041
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2032 2033 2034 2035 2036 2037 2038 2039 2040 2041
0 0 0 0 0 0 0 0 0 0
-- -- -- -- -- -- -- -- -- --
-- -- -- -- -- -- -- -- -- --
-- -- -- -- -- -- -- -- -- --
0 0 0 0 0 0 0 0 0 0
-- -- -- -- -- -- -- -- -- --
-- -- -- -- -- -- -- -- -- --
-- -- -- -- -- -- -- -- -- --
-- -- -- -- -- -- -- -- -- --
-- -- -- -- -- -- -- -- -- --

-- -- -- -- -- -- -- -- -- --

-- -- -- -- -- -- -- -- -- --
0 0 0 0 0 0 0 0 0 0
-- -- -- -- -- -- -- -- -- --

Mar-32 Mar-33 Mar-34 Mar-35 Mar-36 Mar-37 Mar-38 Mar-39 Mar-40 Mar-41

BANK-INTERNAL
Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected
12 12 12 12 12 12 12 12 12 12
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
 20 21 22 23 24 25 26 27 28 29

Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected

2042 2043 2044 2045 2046 2047 2048 2049 2050 2051
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0
-- -- -- -- -- -- -- -- -- --

BANK-INTERNAL
Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected

2042 2043 2044 2045 2046 2047 2048 2049 2050 2051
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2042 2043 2044 2045 2046 2047 2048 2049 2050 2051
0 0 0 0 0 0 0 0 0 0
-- -- -- -- -- -- -- -- -- --
-- -- -- -- -- -- -- -- -- --
-- -- -- -- -- -- -- -- -- --
0 0 0 0 0 0 0 0 0 0
-- -- -- -- -- -- -- -- -- --
-- -- -- -- -- -- -- -- -- --
-- -- -- -- -- -- -- -- -- --
-- -- -- -- -- -- -- -- -- --
-- -- -- -- -- -- -- -- -- --

-- -- -- -- -- -- -- -- -- --

-- -- -- -- -- -- -- -- -- --
0 0 0 0 0 0 0 0 0 0
-- -- -- -- -- -- -- -- -- --

Mar-42 Mar-43 Mar-44 Mar-45 Mar-46 Mar-47 Mar-48 Mar-49 Mar-50 Mar-51

BANK-INTERNAL
Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected
12 12 12 12 12 12 12 12 12 12
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
 30 31 32 33 34 35 36

Projected Projected Projected Projected Projected Projected Projected

2052 2053 2054 2055 2056 2057 2058

0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0 0 0 0 0 0 0
0 0 0 0 0 0 0
-- -- -- -- -- -- --

BANK-INTERNAL
Projected Projected Projected Projected Projected Projected Projected

2052 2053 2054 2055 2056 2057 2058

0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00

2052 2053 2054 2055 2056 2057 2058

0 0 0 0 0 0 0
-- -- -- -- -- -- --
-- -- -- -- -- -- --
-- -- -- -- -- -- --
0 0 0 0 0 0 0
-- -- -- -- -- -- --
-- -- -- -- -- -- --
-- -- -- -- -- -- --
-- -- -- -- -- -- --
-- -- -- -- -- -- --

-- -- -- -- -- -- --

-- -- -- -- -- -- --
0 0 0 0 0 0 0
-- -- -- -- -- -- --

Mar-52 Mar-53 Mar-54 Mar-55 Mar-56 Mar-57 Mar-58

BANK-INTERNAL
Projected Projected Projected Projected Projected Projected Projected
12 12 12 12 12 12 12
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
Balance Sheet Data/ Capital Structure
All the particulars field will be left aligned and ratio values will be centrally aligned
Particulars Y1 Y2
For FY ended 31-Mar-20 31-Mar-21

Type of Financials Audited Audited

Equity Share Capital 30.07 29.28

Reserves & Surplus (Excl. revaluation reserves and net of
intangible assets) 0.00 0.00
Tangible Net worth (TNW) 30.07 29.28
Deferred Tax Liability 0.00 0.00
Adjusted Net Worth 30.07 29.28
Net Owned Funds [TNW - FIOB] 2.88 3.16
Term Liabilities, of which 16.04 21.93
Term Loans from Banks & FI 4.39 10.61
Quasi Equity 7.15 7.59
Other LT Borrowings not classified above 4.03 3.45
Debentures 0.00 0.00
Others Term Liabilities & Provisions 0.47 0.28
Capital Employed 43.23 48.05
Net Block (incl CWIP and preoperative expenses/ IDC) 20.05 17.68
Funds Invested outside Business (FIOB) 2.88 3.16
Other Non-Current assets 0.00 0.00
Current Assets (CA), of which 77.64 77.21
Inventories 44.82 55.66
Debtors 28.34 19.15
Cash & Bank Balance 0.66 0.67
Short Term Demand Loans & Advances 0.00 0.00
Current Liabilities (CL), of which 54.46 46.84
Creditors 5.31 7.31
Unsecured Loans 0.00 0.00
Other liabilities/ prov. 1.75 1.06
Net Current Assets (CA-CL) 23.18 30.37
Capital Deployed 43.23 48.05

Operational Data
Particulars Y1 Y2
For FY ended 31-Mar-20 31-Mar-21

Type of Financials Audited Audited

Revenue from operations 196.32 88.53

Export Sales 0.00 0.00
Less: Excise / Sales Tax 11.06 6.86
Net Sales 185.26 81.67
Other Income 212.81 101.96
Cost of goods sold 199.56 88.76
Adm. & Selling Expenses 0.00 0.00
Depreciation 3.62 3.08
Interest 7.20 6.84
Exceptional Expenses 0.00 0.00
Net Profit before Tax 2.43 3.28
EBITDA 13.25 13.20
Tax provisions 0.00 0.00
Cash Accruals 1.05 1.36

Ratio Analysis
Particulars Y1 Y2
For FY ended 31-Mar-20 31-Mar-21

Type of Financials Audited Audited

Operating Profit margin 0.00% 3.00%

EBITDA / Net Sales % 7.00% 16.00%
Return on capital employed (in %) -7.00% 0.00%
Current Ratio (Considering TL inst.) 1.43 1.65
Current Ratio (without considering TL inst.) 1.46 1.99
DE Ratio (TTL/TNW) 0.59 0.84
DE Ratio (TOL/TNW) 2.59 2.63
Interest Coverage Ratio 1.84 1.93
Working Capital Cycle (Days) 130 292
NWC 23.18 30.37
DE Ratio(TOL/TNW) 2.34 2.35
DE Ratio(TOL/ ATNW) 2.59 2.63
DE Ratio(TTL/TNW) 0.53 0.75
DE Ratio(TTL/ATNW) 0.59 0.84
Quasi DE ratio 0.26 0.43
Average Debt Service Coverage Ratio(DSCR) 0.47 1.15
Net Block (Excl. Revaluation Resv.) 20.05 17.68
O/s Term Loan 4.39 10.61
Fixed Assets Coverage Ratio (FACR) 1.29 0.82
PBT/NS (in %) 1.00% 4.00%
PAT/NS (in %) 1.00% 4.00%
Total Debt/EBITDA 4.21 3.98
PAT/ATNW 8.00% 11.00%
DE Ratio (TTL/ATNW) [Networth includes Quasi Equity] 0.26 0.43
DE Ratio (TOL/ATNW) [Networth includes Quasi Equity] 1.84 1.81
(TOL + Cont. Lia.) / ATNW 2.96 3.02
% of Cont. lia. To ATNW 0.37 0.38
Interest Coverage Ratio {EBITDA/Interest} 1.84 1.93
Interest Coverage Ratio {EBITDA/Sales} 7.00% 16.00%
Inventory Holding level (days) 85 241
Debtors (days) 53 79
Creditors level (days) 8 28
Net Cash Accurals / Total Debt 2.00% 3.00%
Acid Test Ratio 3.86 1.31
Asset Turnover Ratio= Net Sales / Total Tangible Assets 1.84 0.83
Return on investment=EBITDA / Total Tangible Assets 13.00% 13.00%
(TOL + Cont. Lia.) / ATNW 2.68 2.69
% of Cont. lia. To ATNW 33.00% 34.00%
% of outside investment to ATNW 10.00% 11.00%
BEP sales as % to net sales & Quantity -151% -390%
Cash Flow Interest Coverage #VALUE! 0.00
Cash Flow DSCR #VALUE! 0.00
Minimum DSCR -2.95

Cash Flow Extract for the Audited Period

Particulars Y1 Y2
For FY ended 31-Mar-20 31-Mar-21

Type of Financials Audited Audited

Net cash flow from operating activities 0.00 8.83
Net cash flow / (used) in investing activities 0.00 8.43
Net cash flow / (used) in financing activities 0.00 -17.25
Net Cash Generated 0.00 0.01
Opening Balance of cash and cash equivalents 0.00 0.66
Closing Balance of cash and cash equivalents 0.00 0.67

Funds Flow Summary

Particulars Y1 Y2
For FY ended 31-Mar-20 31-Mar-21

Type of Financials Audited Audited

Long Term Sources 19.02 14.94

Less - Long Term uses 5.25 9.65
Surplus (+) / Short Fall (-) 13.77 5.29
Short Term Sources 12.58 13.66
Less - Short Term uses 26.35 18.95
Surplus (+) / Short fall (-) -13.77 -5.29
Gap in Funds Flow 0.00 0.00

CMA Working Capital Assessment

First Method Of Lending- Label (1+Latest Audited(First year where type of Financials=Proje
Particulars Estimated Projected
For FY ended 2023 2024
Total Current Assets 104.81 122.28
Current Liabilities (Excl. Bank Borrowings) 14.57 16.86
Working Capital Gap 90.24 105.42
Minimum required NWC (25% of WCG excl Exp Rec) 26.20 30.57
Actual/ Projected NWC 35.24 42.42
MPBF 55.00 63.00
Actual Projected Bank Borrowing 55.00 63.00
Excess Borrowings 0.00 0.00

Turnover Method- Label (1+Latest Audited(First year where type of Financials=Proje

Particulars Estimated Projected
For FY ended
A) The Turnover estimated by the company 212.67 312.97
B) The Turnover considered acceptable
C) 25% of accepted sales 0 0
Permissible Bank Finance

Term Loan Assessment- Label

(1+Latest Audited(First year where type of Financials=Proje
Currency Unit
Particulars Y1 Y2
For FY ended 3/31/2023 3/31/2024
Profit After Tax -2.03 0.50
Interest on Term Loan 1.00 5.00
Depreciation 3.08 5.26
Non Cash expenses -5.00 -5.00
Total Funds Available -2.95 5.76
Term Loan Installments 0.00 0.00
Interest of Term Loans 1.00 5.00
Total Repayment Obligations 1.00 5.00
DSCR -2.95 1.15
Average DSCR 0.47
Minimum DSCR -2.95
Debt equity ratio of the project 0.00

Assessment of Export Limits

Assessment of EPC Limits

Currency Unit
Latest Audited Y (1+Latest Audited
Particulars Actuals Estimated
For FY ended
Annual Export Sales
Exports per month 0 0
Average RM Holding (In Months)
Average Processing Period (In Months)
Total Requirement 0 0
Less Margin
EPC Limit Recommended
Assessment of PSC Limits
Particulars Actuals Estimated
For FY ended
Average Export receivables (in months)
Exports per month 0 0
PSC Required 0
FBD Limit Required
Total Export Finance Required 0 0

Formula will be confirmed

Financial Trends

Sales Comments - Output Denomination Input1

Firm achieved sales of Rs.207.38Crs and Rs.95.39Crs in FY2020

and FY2021respectively. Firm has further achieved sales of
Rs.146.54Crs as per Audited2022 Crs 200.26

From the above chart it is visible that sales of firm is decreased

by -54.91% in FY2021. Sales of the firm is increased by 56.35% in
FY2022. Decreased
Firm has estimated total revenue of Rs.134.41Crs in last
financials accepted by Bank Crs 130.12
Firm has estimated and projected to attain sales of Rs.221.01,
Rs.321.67Crs in FY2023 and FY2024 respectively Crs 219.67

Profit Comment - Output

The Company has registered PAT of Rs.2.61Crs and Rs.1.16Crs in

FY2020 and FY2021respectively. Firm has further achieved PAT of
Rs.2.3Crs as per Audited2022. Crs 2.43

NP/ sales has been1.31% and 1.66% in FY2021and in FY2022 0.04

Firm has estimated and projected to achieve Net Profit

Rs.3.99Crs and Rs.8.04Crs in FY2023 and FY2024 respectively -2.03
Net worth Comment

The Firm has estimated and projected to maintain TNW of

Rs.44.75Crs and Rs.52.78Crs in FY2023and FY2024 respectively Crs 39.85

Inventory Holding Level

Inventory Holding level of Firm is 91 days and 251 days in FY2020

and FY2021 respectively. Firm has further attained inventory
holding at 177 days as per Audited 2022. 85

Firm has estimated and projected inventory holding level at 114

days in FY2023 and 91 days in FY2024 respectively. 108

Debtors Holding Level

Debtors Holding level of Firm is 54 days and 82 days in FY2020

and FY2021 respectively. Firm has further attained inventory
holding at 78 days as per Audited2022. 53

Firm has estimated and projected inventory holding level at 61

days in FY2023 and 49 days in FY2024 respectively. 60

Creditors Holding Level

Creditors Holding level of Firm is 12 days and 36 days in FY2020

and FY2021 respectively. Firm has further attained inventory
holding at 14 days as per Audited 2022. 8

Firm has estimated and projected inventory holding level at 10

days in FY2023 and 8 days in FY2024 respectively. 9
 Hidden
Y3 Y4A Y4 Y5 Tab Row
31-Mar-22 31-Mar-22 31-Mar-23 31-Mar-24
Estimates accepted in
Audited Estimated Projected
last sanction
40.11 84.92 39.85 49.55 MCB Additional 7
MCB Additional 10
0.00 0.00 0.00 0.00
40.11 84.92 39.85 49.55 MCB Additional 12
0.00 0.00 0.00 0.00 MCB Additional 13
40.11 84.92 39.85 49.55 MCB Additional 14
2.73 2.93 2.93 2.93 MCB Additional 16
20.77 23.73 63.19 55.41 MCB Additional 17
9.51 12.40 39.69 31.91 MCB Additional 18
7.59 11.05 22.37 23.31 MCB Additional 19
3.48 0.00 0.94 0.00 MCB Additional 20
0.00 0.00 0.00 0.00 MCB Additional 21
0.19 0.28 0.19 0.19 MCB Additional 22
58.15 105.72 100.11 102.03 MCB Additional 23
19.94 70.04 64.87 59.61 MCB Additional 24
2.73 2.93 2.93 2.93 MCB Additional 15
0.00 0.00 0.00 0.00 MCB Additional 25
93.60 91.14 104.81 122.28 MCB Additional 29
59.99 56.35 63.10 71.94 MCB Additional 30
28.69 29.86 36.44 43.04 MCB Additional 31
0.67 0.73 0.80 0.80 MCB Additional 32
0.00 0.00 0.00 0.00 BS 139
55.39 55.46 69.57 79.86 MCB Additional 35
4.25 1.17 5.25 6.14 MCB Additional 37
0.00 0.00 0.00 0.00 MCB Additional
1.56 1.07 2.08 2.93 MCB Additional 41
38.21 35.68 35.24 42.42 MCB Additional 42
58.15 105.72 100.11 102.03 MCB Additional 43

Y3 Y4A Y4 Y5 Tab Row

31-Mar-22 31-Mar-22 31-Mar-23 31-Mar-24
Estimates accepted in
Audited Estimated Projected
last sanction
138.42 134.41 221.01 321.67 MCB Additional 48
0.00 0.00 0.00 0.00 MCB Additional 51
8.12 10.89 8.34 8.70 MCB Additional 49
130.30 123.52 212.67 312.97 MCB Additional 50
147.23 137.89 232.00 333.90 MCB Additional 55
 141.55 136.25 225.59 314.94 MCB Additional 56
0.00 0.00 0.00 0.00 MCB Additional 57
2.43 3.20 3.08 5.26 MCB Additional 58
6.93 5.87 5.36 13.20 MCB Additional 59
0.00 0.00 0.00 0.00 MCB Additional 62
-3.68 -7.43 -2.03 0.50 MCB Additional 63
5.68 1.64 6.41 18.96 MCB Additional 69
0.00 0.00 0.00 0.00 MCB Additional 61
-6.25 -9.23 -3.95 0.76 MCB Additional 66

Y3 Y4A Y4 Y5 Tab Row

31-Mar-22 31-Mar-22 31-Mar-23 31-Mar-24
Estimates accepted in
Audited Estimated Projected
last sanction
-3.00% -5.00% -3.00% 2.00% MCB Additional B72
4.00% 1.00% 3.00% 6.00% MCB Additional
-12.00% -9.00% -9.00% 0.00% MCB Additional B76
1.69 1.64 1.51 1.53 MCB Additional B78
1.88 1.81 1.68 1.70 MCB Additional B79
0.56 0.29 1.71 1.19 MCB Additional B82
2.04 0.97 3.60 2.90 MCB Additional B83
0.82 0.28 1.20 1.44 MCB Additional B88
228 233 159 129 MCB Additional B135
38.21 35.68 35.24 42.42 MCB Additional B111
1.90 0.93 3.33 2.73 MCB Additional B83
2.04 0.97 3.60 2.90 MCB Additional B81
0.52 0.28 1.59 1.12 MCB Additional B82
0.56 0.29 1.71 1.19 MCB Additional B80
0.29 0.14 0.69 0.46 MCB Additional 84
#DIV/0! #DIV/0! #DIV/0! 0.00 DSCR 20
19.94 70.04 64.87 59.61 MCB Additional B24
9.51 12.40 39.69 31.91 MCB Additional 18
0.97 2.99 1.03 1.08 MCB Additional B160
-3.00% -6.00% -1.00% 0.00% MCB Additional B73
-3.00% -6.00% -1.00% 0.00% MCB Additional B74
11.02 40.01 16.05 5.42 MCB Additional B75
-9.00% -9.00% -5.00% 1.00% MCB Additional B77
0.29 0.14 0.69 0.46 MCB Additional B84
1.52 0.73 1.86 1.60 MCB Additional B85
2.41 1.15 4.06 3.31 MCB Additional B86
0.37 0.18 0.46 0.41 MCB Additional B87
0.82 0.28 1.20 1.44 MCB Additional B88
4.00% 1.00% 3.00% 6.00%
 163 155 108 87 MCB Additional B89
76 81 60 49 MCB Additional B90
11 3 9 7 MCB Additional B91
-10.00% -14.00% -4.00% 1.00% Ratios B9
2.98 4.66 2.86 2.99 Ratios 10
1.12 0.75 1.23 1.69 Ratios 11
5.00% 1.00% 4.00% 10.00% Ratios B12
2.25 1.11 3.76 3.11 Ratios B14
35.00% 18.00% 43.00% 38.00% Ratios B15
7.00% 3.00% 7.00% 6.00% Ratios B16
-63% -41% -79% -1048% Ratios B22
0.00 0.00 0.00 0.00 Ratios B27
0.00 0.00 0.00 0.00 Ratios B28
DSCR 21

Y3 Y4A Y4 Y5
31-Mar-22 31-Mar-22 31-Mar-23 31-Mar-24
Estimates accepted in
Audited Estimated Projected
last sanction
-20.97 0.00 -11.68 -10.65
4.57 0.00 -35.88 13.93
16.40 0.00 47.69 -3.28
0.00 0.00 0.13 0.00
0.67 0.00 0.67 0.80
0.67 0.00 0.80 0.80

Y3 Y4A Y4 Y5
31-Mar-22 31-Mar-22 31-Mar-23 31-Mar-24
Estimates accepted in
Audited Estimated Projected
last sanction
63.30 47.27 15.46 62.54
60.79 48.47 7.73 112.75
2.51 -1.20 7.73 -50.21
17.55 12.41 9.74 122.28
20.06 11.21 17.47 72.07
-2.51 1.20 -7.73 50.21
0.00 0.00 0.00 0.00

year where type of Financials=Projected)

 TAB ROW
MCB Additional 101
MCB Additional 102
MCB Additional 103

MCB Additional 110

MCB Additional 111
MCB Additional 114
MCB Additional 115
MCB Additional 116

year where type of Financials=Projected)

MCB Additional 50
This to be kept editable on form

year where type of Financials=Projected)

Y3
3/31/2025
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

manual

(First year where type of Financials=Projected)

Projected Table View, left hand side prepo
 0

Projected Table View, left hand side prepo

Input2 Input3 Input4 Input 5 Input 6

91.67 2020 2021 136.90 2022

-54.22 2021 Increased 49.34 2022

319.97 2023 2024

3.28 2020.00 2021.00 -3.68 2022.00

-0.03 2021 2022

0.50 2023 2024

49.55 2023 2024

241 2020 2021 163 2022

2023 87 2024

79 2020 2021 76 2022

2023 49 2024

28 2020 2021 11 2022

2023 7 2024
 Manual

Table View, left hand side prepopulated

Table View, left hand side prepopulated
 Yes Amt in Lacs
No Amt in Cr.
Amt in Mn
Amt In Bn
Amt In '000

Industry Classification (as per HASCROM)

1 AVIATION
2 BEVERAGES
3 CEMENT
4 CHEMICAL
CONSTRUCTION
CRE
ENGG & CAPITAL
GOODS
FOOD PROCESSING
GEMS,JEWELLERY
GLASS Non Cash Items
Heavy Engineering Amortization
Infra Power Deferred revenue exps
Infra Road depreciation
INFRASTRUCTURE forex gain / loss
Audited Iron and Steel Loss by Theft / burglary
Provisional LEATHER
Projected METALS
Estimated MINING
Estimates accepted in NBFC
last sanction
Others OTHER IND
PAPER
PETROLEUM
PLASTIC
RUBBER
TEXTILES
TOBACCO
VEHICLES
WOOD & WOOD
PRODUCTS

BANK-INTERNAL
 Constitution CURRENCY
1 Public Limited INR
2 Private limited USD
3 PSU YEN
4 Trust EUR
5 Corporation JPY
6 Partnership GBP
7 LLP CHF
8 Proprietorship CAD
9 Co-operative Society AUD
10 Individual
11 other

B
C
D
E
F
G
H
I
J

BANK-INTERNAL
Proj.DSCR

Name of the Company 0.00

Crs

DSCR Computation
Year end 2023 2024 2025 2026 2027 2028

Estimated Projected #NAME? #NAME? #NAME? #NAME?

Net profit after tax 9.00 0.00 0.00 0.00 0.00 0.00
Add - Depreciation 0.00 0.00 0.00 0.00 0.00 0.00
Add - Non cash expenses (net) -10.00 0.00 0.00 0.00 0.00 0.00
Add - Interest on Term Loans 0.00 0.00 0.00 0.00 0.00 0.00
Total Fund Available -1.00 0.00 0.00 0.00 0.00 0.00
Term Loan instalments 0.00 0.00 0.00 0.00 0.00 0.00
Add - Interest on Term Loans 0.00 0.00 0.00 0.00 0.00 0.00
Total Repayment obligation 0.00 0.00 0.00 0.00 0.00 0.00

DSCR 0.00 0.00 0.00 0.00 0.00 0.00

Average DSCR #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Minimum DSCR 0.00

DSCR If Projected Sales Price reduces by

10%
Year end 2023 2024 2025 2026 2027 2028
Estimated Projected #NAME? #NAME? #NAME? #NAME?
Profit Before Tax 10.00 0.00 0.00 0.00 0.00 0.00
Less - Revised Tax 1.00 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Net profit after tax 9.00 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Add - Depreciation 0.00 0.00 0.00 0.00 0.00 0.00
Add - Non cash expenses (net) -10.00 0.00 0.00 0.00 0.00 0.00
Add - Interest on Term Loans 0.00 0.00 0.00 0.00 0.00 0.00
Total Fund Available -1.00 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Term Loan instalments 0.00 0.00 0.00 0.00 0.00 0.00
Add - Interest on Term Loans 0.00 0.00 0.00 0.00 0.00 0.00
Total Repayment obligation 0.00 0.00 0.00 0.00 0.00 0.00

DSCR #DIV/0! 0.00 0.00 0.00 0.00 0.00

Average DSCR #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Minimum DSCR #DIV/0!

DSCR If Projected Raw Material Cost increases by

10%
Year end 2023 2024 2025 2026 2027 2028
Estimated Projected #NAME? #NAME? #NAME? #NAME?
Profit Before Tax 10.00 0.00 0.00 0.00 0.00 0.00
Less - Revised Tax 1.00 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Net profit after tax 9.00 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Add - Depreciation 0.00 0.00 0.00 0.00 0.00 0.00
Add - Non cash expenses (net) -10.00 0.00 0.00 0.00 0.00 0.00
Add - Interest on Term Loans 0.00 0.00 0.00 0.00 0.00 0.00
Total Fund Available -1.00 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

BANK-INTERNAL
Term Loan instalments 0.00 0.00 0.00 0.00 0.00 0.00
Add - Interest on Term Loans 0.00 0.00 0.00 0.00 0.00 0.00
Total Repayment obligation 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
DSCR 0.00 0.00 0.00 0.00 0.00 0.00
Average DSCR #DIV/0!
Minimum DSCR 0.00

BANK-INTERNAL
 2029 2030 2031 2032 2033 2034 2035 2036 2037 2038

#NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME?
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

2029 2030 2031 2032 2033 2034 2035 2036 2037 2038
#NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME?
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

2029 2030 2031 2032 2033 2034 2035 2036 2037 2038
#NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME?
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

BANK-INTERNAL
 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
 2039 2040 2041 2042 2043 2044 2045

#NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME?

0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

2039 2040 2041 2042 2043 2044 2045

#NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME?
0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

2039 2040 2041 2042 2043 2044 2045

#NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME?
0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

BANK-INTERNAL
 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANK-INTERNAL
0.00 0.00

BANK-INTERNAL
Yes Audited
No Provisional
Estimated Crs
Projected Lacs

Current Asset Non Current Asset

6) For NBFC 6) For NBFC Proposal
Proposal
Loan Book Loan Book (Long Term)
Investment (Short Investment (Long Term)
Term)
Short Term Loans & Long Term Loans &
Advances Advances

5) Other Receivables
(Major items to be Receivables
specified)
138 161
a) Short term Loans 1) Domestic Debtors > 6
and advances mths
139 162
2) Deferred receivables
b) Unbilled Revenue (maturity exceed. one
140 163 year)
C) Other Current 2) Other
141 assets 170

BANK-INTERNAL
 INR
USD
GBP
EUR
JPY

CHF
CAD

AUD

DKK
NOK

SEK

NZD

HKD

SGD
SAR
AED

BANK-INTERNAL