PROJECT AT A GLANCE

1 Name of the Firm : Golti Phanendra Venkata Aadhinarayana Aacharya

# 1-405,
Seshadri Nagar,
Ramanayyapeta,
Rayuduvari Palem,
Kakinada - 533 005

2 Constitution : Proprietorship

3 Purpose of Loan : Purchase of Vehicle

(Maruti Suzuki Dzire ZXI )

4 Project Type : Travels

(New Project)

5 Total Project Cost : 10.00 Lacs

7 Debt equity Ratio : 0.42 : 1

8 Rate of interest on Bank Term Loan : 12.00%

9 Holiday Period : Nil

10 Repayment Period : Term loan is to be reapaid in equated

monthly instalments over 84 months
(7 years)

11 D.S.C.R. : 2.39

12 Employment : Providing Employment to 4 persons

 GOLTI PHANENDRA VENKATA AADHINARAYANA AACHARYA
# 1-405, SESHADRI NAGAR, RAMANAYYAPETA, RAYUDUVARI PALEM, KAKINADA - 533 005
SOURCE AND APPLICATION

Rs.in Lacs

COST OF THE PROJECT

Cost of Purchase of Vehicle (Maruti Suzuki Dzire ZXI ) 9.90

(As per quotation)

Working Capital 0.10

TOTAL 10.00

MEANS OF FINANCE

Promoters Funds 0.50

Term Loan 9.50

TOTAL 10.00
 GOLTI PHANENDRA VENKATA AADHINARAYANA AACHARYA
# 1-405, SESHADRI NAGAR, RAMANAYYAPETA, RAYUDUVARI PALEM, KAKINADA - 533 005
PROJECTED PROFIT AND LOSS STATEMENT
Rs in Lacs
PARTICULARS Year-1 Year-2 Year-3 Year-4 Year-5 Year-6 Year-7
INCOME
Gross Receipts from
Travels business 12.00 12.60 13.23 13.89 14.59 15.32 16.08

TOTAL- A 12.00 12.60 13.23 13.89 14.59 15.32 16.08

EXPENDITURE

Consumption of Fuel 3.60 3.78 3.97 4.17 4.38 4.59 4.82

Salaries & Wages 3.60 3.78 3.97 4.17 4.38 4.59 4.82
Depreciation 1.49 1.26 1.07 0.91 0.78 0.66 0.56
Repairs & Maintenance 0.30 0.32 0.33 0.35 0.36 0.38 0.40
Administration expenses 0.24 0.25 0.26 0.28 0.29 0.31 0.32
Other Expenses 0.12 0.13 0.13 0.14 0.15 0.15 0.16
Interest On Term Loan 1.09 0.97 0.84 0.69 0.53 0.34 0.12

Profit Before Taxes (PBT) 1.56 2.11 2.65 3.19 3.73 4.29 4.86
Less: Provision for Income-tax - - - - - - -
Profit After Taxes (PAT) 1.56 2.11 2.65 3.19 3.73 4.29 4.86

Note: Tax Rates Applicable to FY : 2023-2024 are considered for calculation of tax
 GOLTI PHANENDRA VENKATA AADHINARAYANA AACHARYA
# 1-405, SESHADRI NAGAR, RAMANAYYAPETA, RAYUDUVARI PALEM, KAKINADA - 533 005
PROJECTED BALANCE SHEET
(Rs.in Lacs)
PARTICULARS Year-1 Year-2 Year-3 Year-4 Year-5 Year-6 Year-7

SOURCES OF FUNDS
Capital fund
Op. balance of Promotors Capital contribution 2.06 4.18 6.83 10.01 13.74 18.03
Add: Capital introduced 0.50
Add: Profit as per P/L a/c 1.56 2.11 2.65 3.19 3.73 4.29 4.86
2.06 4.18 6.83 10.01 13.74 18.03 22.89
Secured loans
Term Loan 8.58 7.54 6.37 5.05 3.56 1.89 0.00

TOTAL 10.64 11.71 13.19 15.06 17.31 19.92 22.89

APPLICATION OF FUNDS
Fixed Assets
Gross Block 9.90 9.90 9.90 9.90 9.90 9.90 9.90
Less: Accumulated Depreciation 1.49 2.75 3.82 4.73 5.51 6.17 6.73
(A) 8.42 7.15 6.08 5.17 4.39 3.73 3.17

Current Assets
Advances 0.50 1.00 1.50 2.00 2.50 3.00 4.00

Sundry Debtors 0.50 0.53 0.55 0.58 0.61 0.64 0.67

Cash and Bank balances 1.68 3.51 5.56 7.84 10.35 13.12 15.65

(a) 2.68 5.03 7.61 10.42 13.46 16.76 20.32

Less: Current Liabilities
Provision for Income-Tax - - - - - - -
O/s Expenses 0.45 0.47 0.50 0.52 0.55 0.57 0.60

(b) 0.45 0.47 0.50 0.52 0.55 0.57 0.60

Net working capital (a) - (b) (B) 2.23 4.56 7.11 9.89 12.91 16.19 19.72

TOTAL (A+B) 10.64 11.71 13.19 15.06 17.31 19.92 22.89

 GOLTI PHANENDRA VENKATA AADHINARAYANA AACHARYA
# 1-405, SESHADRI NAGAR, RAMANAYYAPETA, RAYUDUVARI PALEM, KAKINADA - 533 005
PROJECTED CASH FLOW STATEMENT
Rs in Lacs
PARTICULARS Year-1 Year-2 Year-3 Year-4 Year-5 Year-6 Year-7

Cash in flow

Profit Before Taxes and Interest 2.66 3.08 3.49 3.88 4.26 4.62 4.99

Depreciation 1.49 1.26 1.07 0.91 0.78 0.66 0.56

Term Loan 9.50 - - - - - -

Own Contribution 0.50 - - - - - -

Incremental Current Liabilities 0.45 0.02 0.02 0.02 0.03 0.03 0.03
14.59 4.37 4.59 4.82 5.06 5.31 5.58

Cash outflow

Purchase of Vehicle 9.90 - - - - - -

Repayment of term loan 0.92 1.04 1.17 1.32 1.49 1.68 1.89

Interest on Term Loan 1.09 0.97 0.84 0.69 0.53 0.34 0.12

Incremental Debtors 0.50 0.03 0.03 0.03 0.03 0.03 0.03

Incremental Advances 0.50 0.50 0.50 0.50 0.50 0.50 1.00

Provision for tax - - - - - - -

12.91 2.54 2.54 2.54 2.54 2.54 3.04

Opening balance of cash and bank - 1.68 3.51 5.56 7.84 10.35 13.12

Surpus / (deficit) 1.68 1.83 2.05 2.28 2.52 2.77 2.53

Closing balance of cash and bank 1.68 3.51 5.56 7.84 10.35 13.12 15.65
 GOLTI PHANENDRA VENKATA AADHINARAYANA AACHARYA
# 1-405, SESHADRI NAGAR, RAMANAYYAPETA, RAYUDUVARI PALEM, KAKINADA - 533 005
PROJECTED DEBT SERVICE COVERAGE RATIO (DSCR)
Rs.in Lacs

PARTICULARS Year-1 Year-2 Year-3 Year-4 Year-5 Year-6 Year-7 OVERALL

Fund required for debt servicing

Term loan interest 1.09 0.97 0.84 0.69 0.53 0.34 0.12 4.59

Term loan principal repayment 0.92 1.04 1.17 1.32 1.49 1.68 1.89 9.50

2.01 2.01 2.01 2.01 2.01 2.01 2.01 14.09

Fund available for debt servicing

Profit after tax (PAT) 1.56 2.11 2.65 3.19 3.73 4.29 4.86 22.39

Depreciation 1.49 1.26 1.07 0.91 0.78 0.66 0.56 6.73

Term loan interest 1.09 0.97 0.84 0.69 0.53 0.34 0.12 4.59

4.14 4.35 4.56 4.79 5.03 5.28 5.55 33.71

DSCR 2.06 2.16 2.27 2.38 2.50 2.63 2.76 2.39

 GOLTI PHANENDRA VENKATA AADHINARAYANA AACHARYA
# 1-405, SESHADRI NAGAR, RAMANAYYAPETA, RAYUDUVARI PALEM, KAKINADA - 533 005
FINANCIAL ANALYSIS
Rs.in Lacs
PARTICULARS Year-1 Year-2 Year-3 Year-4 Year-5 Year-6 Year-7 OVERALL
Debt Equity ratio(long term debt)
Debt
Equity
Debt 8.58 7.54 6.37 5.05 3.56 1.89 0.00 32.98
Equity 2.06 4.18 6.83 10.01 13.74 18.03 22.89 77.75
Debt Equity ratio(long term debt) 4.15 1.81 0.93 0.50 0.26 0.10 0.00 0.42

Return on Net Worth:

PAT x 100
Equity
PAT 1.56 2.11 2.65 3.19 3.73 4.29 4.86 22.39
Equity 2.06 4.18 6.83 10.01 13.74 18.03 22.89 77.75

Return on net woth 75.78% 50.56% 38.82% 31.83% 27.15% 23.78% 21.24% 28.80%

Net Profit Ratio

Net Profit x 100
Sales
PAT 1.56 2.11 2.65 3.19 3.73 4.29 4.86 22.39
Income 12.00 12.60 13.23 13.89 14.59 15.32 16.08 97.70

Net Profit Ratio 13.04% 16.76% 20.03% 22.94% 25.58% 28.00% 30.24% 22.92%

Current Assets Ratio

Current Assets Ratio
Current Liabilities
Current Assets 2.68 5.03 7.61 10.42 13.46 16.76 20.32 76.28
Current Liabilities 0.45 0.47 0.50 0.52 0.55 0.57 0.60 3.66
Current Ratio 5.95 10.66 15.34 19.99 24.61 29.18 33.70 20.82
Return on Capital employed
EBIT x 100
Capital empoyed
EBIT 2.66 3.08 3.49 3.88 4.26 4.62 4.99 26.98
Capital empoyed 10.64 11.71 13.19 15.06 17.31 19.92 22.89 110.73
Return on Capital employed 24.95% 26.33% 26.46% 25.76% 24.60% 23.22% 21.79% 24.37%

Total Liabilities to Networth

Total Liabilities 9.03 8.01 6.86 5.57 4.11 2.46 0.60 36.65
Total Networth 10.64 11.71 13.19 15.06 17.31 19.92 22.89 110.73
TOL/TNW 84.83% 68.39% 52.03% 36.98% 23.75% 12.36% 2.63% 33.10%
 GOLTI PHANENDRA VENKATA AADHINARAYANA AACHARYA
# 1-405, SESHADRI NAGAR, RAMANAYYAPETA, RAYUDUVARI PALEM, KAKINADA - 533 005
DEPRECIATION STATEMENT
Block-: Plant & Machinery Figures are rupees in Lakhs
Vehicle 9.90
Total 9.90
Rate of depreciation 15%
PARTICULARS Year-1 Year-2 Year-3 Year-4 Year-5 Year-6 Year-7
Gross block 0.00 9.90 9.90 9.90 9.90 9.90 9.90

Add: Additions 9.90

Total 9.90 9.90 9.90 9.90 9.90 9.90 9.90

Opening WDV 0.00 8.42 7.15 6.08 5.17 4.39 3.73

Depreciation 1.49 1.26 1.07 0.91 0.78 0.66 0.56

Closing WDV 8.42 7.15 6.08 5.17 4.39 3.73 3.17

 GOLTI PHANENDRA VENKATA AADHINARAYANA AACHARYA
# 1-405, SESHADRI NAGAR, RAMANAYYAPETA, RAYUDUVARI PALEM, KAKINADA - 533 005
INCOME TAX CALCULATION
Rs. In Lacs

PARTICULARS Year-1 Year-2 Year-3 Year-4 Year-5 Year-6 Year-7

Profit Before Taxes 1.56 2.11 2.65 3.19 3.73 4.29 4.86

Income tax - - - - - - -

Add: Education cess @ 4% - - - - - - -

Tax payable - - - - - - -

Note: Tax Rates Applicable to FY : 2023-2024 are considered for calculation of tax
 GOLTI PHANENDRA VENKATA AADHINARAYANA AACHARYA
# 1-405, SESHADRI NAGAR, RAMANAYYAPETA, RAYUDUVARI PALEM, KAKINADA - 533 005
TERM LOAN REPAYMENT SCHEDULE

Term Loan Rs. 9.50 Maratorium period NIL

Total 9.50 Period of repayment 84 months

Rate of interest 12.00% Rs.in Lacs

Opening Rate of No. of Prinicipal
MONTH Interest TOTAL EMI Closing
Balance Interest Months Repayment

1 9.50 12.00% 12 0.10 9.60 0.17 0.07 9.43

2 9.43 12.00% 12 0.09 9.52 0.17 0.07 9.35

3 9.35 12.00% 12 0.09 9.45 0.17 0.07 9.28

4 9.28 12.00% 12 0.09 9.37 0.17 0.07 9.20

5 9.20 12.00% 12 0.09 9.30 0.17 0.08 9.13

6 9.13 12.00% 12 0.09 9.22 0.17 0.08 9.05

7 9.05 12.00% 12 0.09 9.14 0.17 0.08 8.98

8 8.98 12.00% 12 0.09 9.07 0.17 0.08 8.90

9 8.90 12.00% 12 0.09 8.99 0.17 0.08 8.82

10 8.82 12.00% 12 0.09 8.91 0.17 0.08 8.74

11 8.74 12.00% 12 0.09 8.83 0.17 0.08 8.66

12 8.66 12.00% 12 0.09 8.75 0.17 0.08 8.58

1.09 2.01 0.92

13 8.58 12.00% 12 0.09 8.66 0.17 0.08 8.50

14 8.50 12.00% 12 0.08 8.58 0.17 0.08 8.41

15 8.41 12.00% 12 0.08 8.50 0.17 0.08 8.33

16 8.33 12.00% 12 0.08 8.41 0.17 0.08 8.25

17 8.25 12.00% 12 0.08 8.33 0.17 0.09 8.16

18 8.16 12.00% 12 0.08 8.24 0.17 0.09 8.07

19 8.07 12.00% 12 0.08 8.15 0.17 0.09 7.99

20 7.99 12.00% 12 0.08 8.07 0.17 0.09 7.90

21 7.90 12.00% 12 0.08 7.98 0.17 0.09 7.81

22 7.81 12.00% 12 0.08 7.89 0.17 0.09 7.72

23 7.72 12.00% 12 0.08 7.80 0.17 0.09 7.63

24 7.63 12.00% 12 0.08 7.71 0.17 0.09 7.54

0.97 2.01 1.04

 GOLTI PHANENDRA VENKATA AADHINARAYANA AACHARYA
# 1-405, SESHADRI NAGAR, RAMANAYYAPETA, RAYUDUVARI PALEM, KAKINADA - 533 005
TERM LOAN REPAYMENT SCHEDULE

Term Loan Rs. 9.50 Maratorium period NIL

Total 9.50 Period of repayment 84 months

Rate of interest 12.00% Rs.in Lacs

Opening Rate of No. of Prinicipal
Sl.No. Interest TOTAL EMI Closing
Balance Interest Months Repayment

25 7.54 12.00% 12 0.08 7.61 0.17 0.09 7.45

26 7.45 12.00% 12 0.07 7.52 0.17 0.09 7.35
27 7.35 12.00% 12 0.07 7.43 0.17 0.09 7.26
28 7.26 12.00% 12 0.07 7.33 0.17 0.10 7.16
29 7.16 12.00% 12 0.07 7.24 0.17 0.10 7.07
30 7.07 12.00% 12 0.07 7.14 0.17 0.10 6.97
31 6.97 12.00% 12 0.07 7.04 0.17 0.10 6.87
32 6.87 12.00% 12 0.07 6.94 0.17 0.10 6.77
33 6.77 12.00% 12 0.07 6.84 0.17 0.10 6.67
34 6.67 12.00% 12 0.07 6.74 0.17 0.10 6.57
35 6.57 12.00% 12 0.07 6.64 0.17 0.10 6.47
36 6.47 12.00% 12 0.06 6.54 0.17 0.10 6.36827
0.84 2.01 1.17
37 6.37 12.00% 12 0.06 6.43 0.17 0.10 6.26
38 6.26 12.00% 12 0.06 6.33 0.17 0.11 6.16
39 6.16 12.00% 12 0.06 6.22 0.17 0.11 6.05
40 6.05 12.00% 12 0.06 6.11 0.17 0.11 5.95
41 5.95 12.00% 12 0.06 6.01 0.17 0.11 5.84
42 5.84 12.00% 12 0.06 5.90 0.17 0.11 5.73
43 5.73 12.00% 12 0.06 5.79 0.17 0.11 5.62
44 5.62 12.00% 12 0.06 5.67 0.17 0.11 5.51
45 5.51 12.00% 12 0.06 5.56 0.17 0.11 5.39
46 5.39 12.00% 12 0.05 5.45 0.17 0.11 5.28
47 5.28 12.00% 12 0.05 5.33 0.17 0.11 5.17
48 5.17 12.00% 12 0.05 5.22 0.17 0.12 5.05
0.69 2.01 1.32
49 5.05 12.00% 12 0.05 5.10 0.17 0.12 4.93
50 4.93 12.00% 12 0.05 4.98 0.17 0.12 4.81
51 4.81 12.00% 12 0.05 4.86 0.17 0.12 4.69
52 4.69 12.00% 12 0.05 4.74 0.17 0.12 4.57
53 4.57 12.00% 12 0.05 4.62 0.17 0.12 4.45
54 4.45 12.00% 12 0.04 4.50 0.17 0.12 4.33
55 4.33 12.00% 12 0.04 4.37 0.17 0.12 4.20
56 4.20 12.00% 12 0.04 4.25 0.17 0.13 4.08
57 4.08 12.00% 12 0.04 4.12 0.17 0.13 3.95
58 3.95 12.00% 12 0.04 3.99 0.17 0.13 3.82
59 3.82 12.00% 12 0.04 3.86 0.17 0.13 3.69
60 3.69 12.00% 12 0.04 3.73 0.17 0.13 3.56
0.53 2.01 1.49
 GOLTI PHANENDRA VENKATA AADHINARAYANA AACHARYA
# 1-405, SESHADRI NAGAR, RAMANAYYAPETA, RAYUDUVARI PALEM, KAKINADA - 533 005
TERM LOAN REPAYMENT SCHEDULE

Term Loan Rs. 9.50 Maratorium period NIL

Total 9.50 Period of repayment 84 months

Rate of interest 12.00% Rs.in Lacs

Opening Rate of No. of Prinicipal
Sl.No. Interest TOTAL EMI Closing
Balance Interest Months Repayment

61 3.56 12.00% 12 0.04 3.60 0.17 0.13 3.43

62 3.43 12.00% 12 0.03 3.46 0.17 0.13 3.30
63 3.30 12.00% 12 0.03 3.33 0.17 0.13 3.16
64 3.16 12.00% 12 0.03 3.19 0.17 0.14 3.03
65 3.03 12.00% 12 0.03 3.06 0.17 0.14 2.89
66 2.89 12.00% 12 0.03 2.92 0.17 0.14 2.75
67 2.75 12.00% 12 0.03 2.78 0.17 0.14 2.61
68 2.61 12.00% 12 0.03 2.64 0.17 0.14 2.47
69 2.47 12.00% 12 0.02 2.49 0.17 0.14 2.33
70 2.33 12.00% 12 0.02 2.35 0.17 0.14 2.18
71 2.18 12.00% 12 0.02 2.20 0.17 0.15 2.03
72 2.03 12.00% 12 0.02 2.06 0.17 0.15 1.89
0.34 2.01 1.68
73 1.89 12.00% 12 0.02 1.91 0.17 0.15 1.74
74 1.74 12.00% 12 0.02 1.76 0.17 0.15 1.59
75 1.59 12.00% 12 0.02 1.60 0.17 0.15 1.44
76 1.44 12.00% 12 0.01 1.45 0.17 0.15 1.28
77 1.28 12.00% 12 0.01 1.30 0.17 0.15 1.13
78 1.13 12.00% 12 0.01 1.14 0.17 0.16 0.97
79 0.97 12.00% 12 0.01 0.98 0.17 0.16 0.81
80 0.81 12.00% 12 0.01 0.82 0.17 0.16 0.65
81 0.65 12.00% 12 0.01 0.66 0.17 0.16 0.49
82 0.49 12.00% 12 0.00 0.50 0.17 0.16 0.33
83 0.33 12.00% 12 0.00 0.33 0.17 0.16 0.17
84 0.17 12.00% 12 0.00 0.17 0.17 0.17 0.00
0.12 2.01 1.89