Project for Sand Stone

8/3/2019 Project for Sand Stone

1/29

Details1 Documents of the Land

2 Building Map and its estimation by the engineers

3 All Quotation - for Plant and Machinery.

4 All Quotation for Furniture

5 Implementation Schedules for Fixed Assets

6 SSI Registration

7 Sales Tax Registration

8 Pan No AAQPP4465J

9 TAN No10 Raw Material Detail : it Procurment and Supply

11 Manufacutraing Process

12 Sales Aggrements

13 Project Report : Projections

: Buiseness Profile

14 Net Worth Statement - Assets Copy

15 Colletrial Security : Photo Copy

16 Legal Report of the Prime and Colletrial Security

17 Valuation Report of the Prime and Colletrial Security

18 Photo / Pand Card / Address Proof /

Working Required

ZEMINI AGRO LAND DEVELOPERS PRIVATE LIMITED


2/29

A Highlights of the Project

B 1 Introduction2. About the Promoter

3. The Project

4. Manufacturing Process

5. Marketing Strategies

6. Statutory Requirement

C Project Cost & Sources of Finance

1. Estimates

2. Means of Finance

D Security Offered to Bank1. Primary Security

2. Collateral Security

E Projections of Performance, Profitability & Repayment

F Repayment Schedule

G Ratio Analysis

PROJECT REPORT

Submitted by

M/S OM BHAGWAT STONE ARTS

Bhomiyan Ji Ka Than, Fidusar, SoorsagarJODHPUR


3/29

A Highlights of Project

1 Name of Enterprise : M/S OM BHAGWAT STONE ARTS

2 Constitution : Proprietorship Concern

3 Address for correspondence : Bhomiyan Ji Ka Than, Fidusar

: Soorsagar

: Jodhpur

4 Names of Propeitor : Shri Om Prakash Panwar

5 Nature of Business Manufacturer of Stone Material

Liriya and artistic work

6 No. of working days : 240 days

7 Manpower required : 9 at factory,

8 Project Cost : Rs. ( in lac )

a) Land -

b) Building Construction 0.99c) Plant & Machinery 13.54

d) Furniture & Fixture 0.10

e) Security Deposit 1.25

f) Working Capital 1.19

f) Preliminary Expenses 0.75

17.82

9 Sources of Funds

a) Term Loan from Bank 9.50

b) Working Capital Loan -

c) Unsecured Loans -

d) Share Capital 8.32

17.82

10 Profitability in 1st Year : Rs. ( Lac )

a) Cost of Operations 57.03

b) Gross Receipts 53.94

c) Net Profit 3.09

11) Minimum Expected Annual Growth in Busine I Year

10.00


4/29

B Introduction

B 1.

B 2 Bio Data of the Directors :

a) Name Shri Om Prakash Panwar

b) Fathers Name Shir Gumna Ram Panwar

c) Age 53 years

d) Address Kalu Ram Ji Baori

Soorsagar, Jodhpur

B 3 The Project :

B 4 Manufacturing Process ;

B 5 Marketing Strategy :

B 6 Statutory Requirement :

SSI Registration : Firm has got SSI registration and it is a Tinny Industry.

Sales Tax Registration : The Firm will get registration in sales tax department.

The promotor of the firm is basically established as an stone cutting industry in the soorsagar area. The

proprietor of the firm basically belong to the soorsagar.

The sand stoen is available in near by area of the soorsagar. All the mine are in this areas only. The raw

material is avilable.

The sand stone is used for construction of the house. Now a days the residential house are build with this

sand stone, and the front poration of the house are built from these liriya. This is genrating huge demand

in the market.

It is just like marble cuttin gmachine and the sand stone is cutting with the hefp of cutter machine. It is

very simple process and does not required any specialisation or extra ordinary skiled leabor.

The sand stone is also used for artistic work. Same work is complited with the heip of machienry andskiled labour. It is hand made work and it will be complited exactily according to the drawings provided by

the buyers.

The jodhpur is the main source of the sand stone. The near by mines are the only source of the material.

The raw material is easily available and the proprietor of this firm is also having a mines and have a

experience of more than 30 years in this field.

The akhali and the contact will genrate the demand. Although the demand is at very high and now a days

it is not possible to meet the demand. This is the main reaseon to estabilished this industry.

The proprietorship concern M/s Om Bhagwati Stone Arts is a proposed setup unit for manufacturing ofstone cutting unit. The product is in well demand all over the Rajasthan basically the main product for

building. Raw material i.e Sand stone is available in near by areas. and propreitors is also having a

mines.


5/29

C Project Cost & Sources of Finance

C 1

a) Land -

b) Building Construction 0.99

c) Plant & Machinery 13.54

d) Furniture & Fixture 0.10

e) Security Deposit 1.25

f) Working Capital 1.19

f) Preliminary Expenses 0.75

-

17.82

Land

Factory Building

Plant and machinery

Furniture and Fixture

Working Capital

C 2 Means of Finances : The firm intends to finance the project cost through following means :

in Lacs (Rs.)

a) Term Loan from Bank 9.50

b) Working Capital Loan -

c) Unsecured Loans -

d) Share Capital 8.32

17.82

a) Term Loan from Bank :

b) Working Capital Requirements

The unit intends to maintain stock of raw material stone at 7 days level, Work in Process for 1 days and

finished good at 1 days sale level, sundry debtors at 3 days level, and sundry creditors also at 15 days

level.

Long Term investment in purchase of Plant and Machinery (apx. Rs.13.54 Lac ) The firm is seeking

Term Loan from Bank to the extent of 75 % of value of Plant and machinery and intends to repay the

Term Loan in 84 months, by monthly instalments.

Working capital will be self finace and firm does not require any loan on the working cpaital

Land is taken on rent basis.

Facory buidling required only a tin shed and small office for meeting.

The detail of the plant and machinery is mention in the annexure. The main machine is cutter and othersare the supporting one of the main machine.

Just required basis table and chair for the customer meeting.

Project Cost Estimates : The total cost of project works out to be Rs. 24.68 lac. The break up of the

project cost is as under :-


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D Security Offered to Bank

D1.

D 2 Collateral Security : Factorys land and building will also be offered as Collateral Security.

Shri om Praksh Size Sq Feet Cost Market Rate

a) Plot at Khasra No 799 110 * 30 366.67 15.00 Lacs

Residential house 28.11.2002

Soorsagar

Jodhpur

Total Value of Colletrial Security 15.00 Lacs

E Projections of Performance, Profitability & Repayment

F Repayment Schedule

F 1 The firm intends to :

a)Repay the Term Loan over a period of 7 years in 84 monthly instalments ;

b)Renew the Working Capital facility on annual basis

G Ratio Analysis

Please refer to a separate sheet attached herewith.

Please refer to the statement marked Annexure and attached herewith. Profitability will constantly

improve every year.

e) Profits : As a policy, the promoters will retain major part of the profits in the business to meet

working capital requirements.

Primary Security : All the stocks of raw materials, stores, finished goods, and plant & machinery will be

hypothecated to the Bank. The bank will have a lien over the book debts. Factorys land and building will

also be offered as prime security.


7/29

Rs in Lacs

COST OF PROJECT EXISTING ADDITION TOTAL

Land ( Rented) - - -

Building - 0.99 0.99

Plant & Machinery - 13.54 13.54

Furniture & Fixture - 0.10 0.10

Investment - Secutiry Deposit - 1.25 1.25

- 1.19 1.19

-

- 0.75 0.75

- 17.82 17.82

MEANS OF FINANCE

Proprietor Fund - 8.32 8.32

Unsecured Loan - from Relative - - -

Term Loan From Bank - 9.50 9.50

Working Capital Loan - - -

- 17.82 17.82

Priliminery Expenses

Working Capital


Bhomiyan Ji Ka Than, Fidusar, Soorsagar

Jodhpur

COST OF PROJECT & MEANS OF FINANCE

ANNEXURE - I


8/29

REALISATION PER MONTH AMOUNT

SALES - Domestic

Production Per Day Ave. Rate Working Days

in Feet Per Feet

Stone Liriya 3 " 1,530 17.00 100 2,601,000

Stone Liriya 5 " 765 35.00 90 2,409,750Stone Liriya 9 " 340 50.00 26 442,000

No of Item Ave. Rate

500 500.00 1 250,000

5,702,750

Assumption 3' 5' 9'

1. Aslet Purchases 2.5 * 10 * 2 200 200 200

Wesate 15% 30 30 30

Available for liriya 170 170 170

Total Liriya Production - 3 " 9 Feet in one Squire cube 9 4.50 2.00

1530 765 340

YEARLY REALISATIONS



JODHPUR

Stone Cutting Liriya

Artistic Stone Cutting Work


9/29

COST

1 COST OF PURCHASES

A)

200 70 18 252,000 12.00 3,024,000

20 85 18 30,600 12.00 367,200

-

TOOLS BITS FOR 1000' @ 2.5 PER FEET EXP 45,000POWER 27,000

CONSUMABLES 2,500

WATER 4,000

78,500 78,500 12.00 942,000

C) WAGES & SALARY

SKILLED STAFF 2 7500 15,000

UNSKILLED STAFF 5 3500 17,500

ACCOUNTANTS CUM MANAGER 1 5000 5,000

CHOWKIDAR- STORE KEEPER 1 4000 4,000

41,500

FRIENGE BENEFIT 15 % 6,225 47,725 12 572,700

3 ADMIINISTRATIVE EXPENSES

PERTOL / CONVERYANCE EXPENSES 2,500

PRINTING & STATIOENRY 350

TELEPHONE EXPENSES 1,000

TRAVELLING 1,500

ADVERTISEMENT EXPENESES 1,000

BANK CHARGES 350

B) CONSUMABLES & UTILITY-

Squre

Feet

PER MONTH MONTH

Rate Working Days

in Month

OTHER STONE

RAW MATERIAL- ASLATE

TOTALSALARY

NO OFPERSION

SALARY


Bhomiyan Ji Ka Than, Fidusar, SoorsagarJODHPUR

TOTAL


10/29

5 REPAIR AND MAINTENANCE EXPENSES

PLANT AND MACHINERY @ 2 % OF COST 13,540BUILDING @ 1 % OF COST 495

14,035 14,035

6 DEPRECIATION CHARGES FIXED

LAND 0%

BUILDING 10% 9,900

PLANT & MACHINERY 15% 203,100

FURNITURE AND FIXTURE 10% 1,000 214,000

214,000

7 FINANCIAL CHARGES

9.50 113,943

WORKING CAPITAL - -

113,943 113,943

8 PRELIMINERY EXPENSES 10,714

TOTAL EXPENSES 5,394,192

NET SURPLUS SALES REALISATION 5,702,750

Less TOTAL EXPENESE 5,394,192

308,558 308,558

TERM LOAN


11/29

950,000

84 Monthly Installment

IST April 2009

13 % Per Annum

Opening Repayment Closing Monthly Yearly Interest

Balance Balance Interest

2008-09

Aug-08 0 100,000 100,000 1,083

Sep-08 0 150,000 250,000 2,708

Oct-08 1 350,000 - 600,000 6,500

Nov-08 2 350,000 - 950,000 10,292

Dec-08 3 - - 950,000 10,292

Jan-09 4 - - 950,000 10,292

Feb-09 5 - - 950,000 10,292

Mar-09 6 - - 950,000 10,292 61,750

2009-10 Apr-09 7 950,000 11,310 938,690 10,169May-09 8 938,690 11,310 927,381 10,047

Jun-09 9 927,381 11,310 916,071 9,924

Jul-09 10 916,071 11,310 904,762 9,802

Aug-09 11 904,762 11,310 893,452 9,679

Sep-09 12 893,452 11,310 882,143 9,557

Oct-09 13 882,143 11,310 870,833 9,434

Nov-09 14 870,833 11,310 859,524 9,312

Dec-09 15 859,524 11,310 848,214 9,189

Jan-10 16 848,214 11,310 836,905 9,066

Feb-10 17 836,905 11,310 825,595 8,944

Mar-10 18 825,595 11,310 814,286 8,821 113,943

2010-11 Apr-10 19 814,286 11,310 802,976 8,699

May-10 20 802,976 11,310 791,667 8,576

Jun-10 21 791,667 11,310 780,357 8,454

Jul-10 22 780,357 11,310 769,048 8,331

REPAYMENT SCHEDULE AND INTEREST ON TERM LOAN


Bhomiyan Ji Ka Than, Fidusar, SoorsagarJodhpur

YEAR MONTHS

Loan Amount Rs. in Lacs

Repayment

Repayment Commencement

Rate of Interest

MONTHS

Repayment will be start after 6 MONTHS from last installment


12/29

2011-12 Apr-11 31 678,571 11,310 667,262 7,229

May-11 32 667,262 11,310 655,952 7,106Jun-11 33 655,952 11,310 644,643 6,984

Jul-11 34 644,643 11,310 633,333 6,861

Aug-11 35 633,333 11,310 622,024 6,739

Sep-11 36 622,024 11,310 610,714 6,616

Oct-11 37 610,714 11,310 599,405 6,494

Nov-11 38 599,405 11,310 588,095 6,371

Dec-11 39 588,095 11,310 576,786 6,249

Jan-12 40 576,786 11,310 565,476 6,126

Feb-12 41 565,476 11,310 554,167 6,003

Mar-12 42 554,167 11,310 542,857 5,881 78,658

2012-13 Apr-12 43 542,857 11,310 531,548 5,758

May-12 44 531,548 11,310 520,238 5,636

Jun-12 45 520,238 11,310 508,929 5,513

Jul-12 46 508,929 11,310 497,619 5,391

Aug-12 47 497,619 11,310 486,310 5,268

Sep-12 48 486,310 11,310 475,000 5,146

Oct-12 49 475,000 11,310 463,690 5,023

Nov-12 50 463,690 11,310 452,381 4,901

Dec-12 51 452,381 11,310 441,071 4,778

Jan-13 52 441,071 11,310 429,762 4,656

Feb-13 53 429,762 11,310 418,452 4,533

Mar-13 54 418,452 11,310 407,143 4,411 61,015

2013-14 Apr-13 55 407,143 11,310 395,833 4,288May-13 56 395,833 11,310 384,524 4,166

Jun-13 57 384,524 11,310 373,214 4,043

Jul-13 58 373,214 11,310 361,905 3,921

Aug-13 59 361,905 11,310 350,595 3,798

Sep-13 60 350,595 11,310 339,286 3,676

Oct-13 61 339,286 11,310 327,976 3,553

Nov-13 62 327,976 11,310 316,667 3,431

Dec-13 63 316,667 11,310 305,357 3,308

Jan-14 64 305,357 11,310 294,048 3,186

Feb-14 65 294,048 11,310 282,738 3,063

Mar-14 66 282,738 11,310 271,429 2,940 43,372

2014-15 Apr-14 67 271,429 11,310 260,119 2,818

May-14 68 260,119 11,310 248,810 2,695

Jun-14 69 248,810 11,310 237,500 2,573

Jul-14 70 237,500 11,310 226,190 2,450


13/29

2015-20016 Apr-15 79 135,714 11,310 124,405 1,348

May-15 80 124,405 11,310 113,095 1,225Jun-15 81 113,095 11,310 101,786 1,103

Jul-15 82 101,786 11,310 90,476 980

Aug-15 83 90,476 11,310 79,167 858

Sep-15 84 79,167 11,310 67,857 735

Oct-15 85 67,857 11,310 56,548 613

Nov-15 86 56,548 11,310 45,238 490

Dec-15 87 45,238 11,310 33,929 368

Jan-16 88 33,929 11,310 22,619 245

Feb-16 89 22,619 11,310 11,310 123

Mar-16 90 11,310 11,310 0 0 8,086

950,000 476,976 480,768


14/29

FIXED ASSETS 2008 2009 2010 2011 2012 2013 2014 2015 2016

LAND - - - - - - - - -

LESS DEPRECIATION - - - - - - - -

- - - - - - - - -

BUILDING - 99,000 89,100 80,190 72,171 64,954 58,459 52,613 47,351

ADDITION 99,000 -

99,000 99,000 89,100 80,190 72,171 64,954 58,459 52,613 47,351

LESS DEPRECIATION 9,900 8,910 8,019 7,217 6,495 5,846 5,261 4,735

99,000 89,100 80,190 72,171 64,954 58,459 52,613 47,351 42,616

PLANT & MACHINERY - 1,354,000 1,150,900 978,265 831,525 706,796 600,777 510,660 434,061

ADDITION 1,354,000

1,354,000 1,354,000 1,150,900 978,265 831,525 706,796 600,777 510,660 434,061

LESS DEPRECIATION 203,100 172,635 146,740 124,729 106,019 90,117 76,599 65,109

1,354,000 1,150,900 978,265 831,525 706,796 600,777 510,660 434,061 368,952

FURNITURE - 10,000 9,000 8,100 7,290 6,561 5,905 5,314 4,783

ADDITION 10,000 -

10,000 10,000 9,000 8,100 7,290 6,561 5,905 5,314 4,783

LESS DEPRECIATION 1,000 900 810 729 656 590 531 478

10,000 9,000 8,100 7,290 6,561 5,905 5,314 4,783 4,305

TOTAL FIXED ASSETS 1,463,000 1,463,000

DEPREICATION 214,000 182,445 155,569 132,675 113,171 96,553 82,392 70,323

DEPRECIATION CHART



Jodhpur


15/29

FIXED ASSETS 2008-09 2009-2010 2010-2011 2011-2012 2012-2013 2013-2014 2014-15 2014-15

TOTAL FIXED ASSET 1,463,000 1,463,000 1,249,000 1,066,555 910,986 778,311 665,140 568,588

LESS DEPRECIATION - 214,000 182,445 155,569 132,675 113,171 96,553 82,392

1,463,000 1,249,000 1,066,555 910,986 778,311 665,140 568,588 486,196

SECURITY 125,000 125,000 125,000 125,000 125,000 125,000 125,000 125,000

CURRENT ASSETS 119,000

CLOSING STOCK - 380,000 550,000 605,000 665,500 732,050 805,255 885,781

SUNDRY DEBTORS - 109,368 257,796 590,586 959,703 1,007,688 1,007,688 1,007,688

CASH IN HAND - 82,171 60,194 130,679 198,150 534,430 940,649 1,048,121

PRILIMINERY EXPENSES 75,000 64,286 53,571 42,857 32,143 21,429 10,714 0

1,782,000 2,009,825 2,113,116 2,405,109 2,758,807 3,085,736 3,457,894 3,552,785

LIABILITIES 2008-09 2009-2010 2010-2011 2011-2012 2012-2013 2013-2014 2014-15 2014-15

CAPITAL - 832,000 1,040,558 1,271,815 1,688,279 2,172,617 2,638,841 3,044,146

ADDITION 832,000

ADD PROFIT - 308,558 356,257 566,464 659,338 666,224 630,305 606,895

832,000 1,140,558 1,396,815 1,838,279 2,347,617 2,838,841 3,269,146 3,651,041

LESS WITHDAWALS - 100,000 125,000 150,000 175,000 200,000 225,000 250,000

832,000 1,040,558 1,271,815 1,688,279 2,172,617 2,638,841 3,044,146 3,401,041

UNSECURED LOAN - - - - - - - -

TERM LOAN 950,000 814,286 678,571 542,857 407,143 271,429 248,810

WORKING CAPITAL - - - - - - - -

TRADE CREDITORS - 154,981 162,730 173,973 179,047 175,466 164,938 151,743

1,782,000 2,009,824 2,113,116 2,405,109 2,758,807 3,085,736 3,457,894 3,552,785

PORJECTED BALANCE SHEET



Jodhpur


16/29

Particulars 2009-2010 2010-2011 2011-2012 2012-2013 2013-2014 2014-15 2014-15

IST IIND IIIRD IVTH VTH VITH VIITH

CAPACITY UTILISATION 50.00% 55.00% 60.00% 65.00% 65.00% 65.00% 65.00%

A REALISATION 5,702,750 6,273,025 7,185,465 7,784,254 8,173,466 8,173,466 8,173,466

B COST

COST OF PURCHASESA) ALL TYPES MATERIAL 3,771,200 3,959,760 4,233,343 4,356,816 4,269,680 4,013,499 3,692,419

B) CONSUMABLES & UTILITY- 942,000 1,036,200 1,243,440 1,492,128 1,790,554 1,880,081 1,974,085C) WAGES & SALARY 572,700 629,970 755,964 907,157 1,088,588 1,306,306 1,567,567REPAIR AND MAINTENANCE EXPENSES 14,035 15,438 16,982 18,680 20,548 22,603 24,863

COST OF SERVICE 5,299,935 5,641,368 6,249,729 6,774,781 7,169,369 7,222,489 7,258,934ADD OPENING STOCK - 380,000 550,000 605,000 665,500 732,050 805,255LESS CLOSING STOCK 380,000 550,000 605,000 665,500 732,050 805,255 885,781COST OF PRODUCTION - B 4,919,935 5,471,368 6,194,729 6,714,281 7,102,819 7,149,284 7,178,409

C Gross Profit A-B 782,815 801,657 990,736 1,069,973 1,070,647 1,024,183 995,058

G.P.RATE 13.73 12.78 13.79 13.75 13.10 12.53 12.17

C Administrative Overhead

ADMIINISTRATIVE EXPENSES 135,600 155,940 179,331 206,231 237,165 260,882 286,970

Total Administrative Overhead C 135,600 155,940 179,331 206,231 237,165 260,882 286,970

D Cost of Realisation B+C 5,055,535 5,627,308 6,374,060 6,920,511 7,339,985 7,410,166 7,465,379

E Net Profit Before Interest and Depreicaiton 647,215 645,717 811,405 863,742 833,482 763,301 708,088

( A - D )F Financial Charges

Interest on Term Loan 113,943 96,301 78,658 61,015 43,372 25,729 8,086Interest on Unsecured Loan- Family Mem - - - - - - -Interest on Working Capital - - - - - - -

Total Financial Charges F 113,943 96,301 78,658 61,015 43,372 25,729 8,086

G Depreciation 214,000 182,445 155,569 132,675 113,171 96,553 82,392

H Preliminary Expenses W/O 10,714 10,714 10,714 10,714 10,714 10,714 10,714

I Profit Before Tax E-F-G-H 308,558 356,257 566,464 659,338 666,224 630,305 606,895

J Provision for Tax & Dividend 100,000 125,000 150,000 175,000 200,000 225,000 250,000

K Profit After Tax / Net Profit 208,558 231,257 416,464 484,338 466,224 405,305 356,895

L Add : Dep. & Prel. Exp. W/o 224,714 193,159 166,283 143,389 123,885 107,267 93,106

M Cash Profit / Accruals 433,272 424,416 582,747 627,727 590,110 512,572 450,001

ESTIMATED COST OF PRODUCTION AND PROFITABLITY



Jodhpur


17/29

Material Amount

1 Stock

200 70 7 98,000

OTHER STONE 20 85 7 11,900

WORK IN PROGRESS 16353 1 16,353

FINISHED PRODUCTS

STONE LIRIYA 3000 20 1 60,000

CONSUMABLE ITEMS BITS- OTHERS 25,000 25,000

PACKING MATERIALS 2,000 2,000

2 SUNDRY DEBITORS 1 15,624 3 46,872

260,125

3 LESS CREDITORS 1 9,420 15 141,300

118,825TOTAL REQUIREMENT OF WORKING CAPITAL



Jodhpur

RAW MATERIAL- ASLATE

Qty

FEET

Rate

Per

Feet

Number

of Day -

MaterialRequire

Requirement of Working Capital


18/29

ANNEXURE -

SIZE Area RATE QTY AMOUNT

per squre feet

1 SHED 20 * 30 600 125.00 1 75,000.00

2 OFFICE & STORE 10 * 10 100 150.00 1 15,000.00

90,000.00

9,000.00

99,000.00

OR SAY 0.99

Add : Extra for Sanitary, Water, Electrical Installation @ 10%

OFFICE BUIDLING



Jodhpur


19/29

ANNEXURE -

SIZE RATE QTY AMOUNT

1 CUTTER - PLAT 72" 360,000.00 1 360,000.00

48" 200,000.00 1 200,000.00

2 CUTTER 72" 30,000.00 1 30,000.00

48" 15,000.00 1 15,000.00

54" 15,000.00 1 15,000.00

3 ELECTRIC MOTORS

25 HP 55,000.00 1 55,000.00

15 HP 40,000.00 1 40,000.003 HP 15,000.00 2 30,000.00

2 HP 7,500.00 2 15,000.00

1 HP 7,000.00 2 14,000.00

DC 7,500.00 2 15,000.00

4 PANNAL SET 30,000.00 2 60,000.00

5 CABLES 50,000.00

6 CRAIN GRANITERY 344,320.00

LUMP SUM EXPENSES - CIVIL AND IRON WORK

SIZE RATE AMOUNT

IRON CHANNEL 40 POND 160 400 64,000.00

55 POND 62 500 31,000.00

IRON GUDDER 600 160 96,000.00

IRON GUDDER 12' * 6 ' 62 860 53,320.00

L & T - CHARGES 100,000.00

344,320.00

7 WATER TANKS 27 * 9 * 7 1,700 20 34,000.00 1 34,000.00

1,277,320.00

76,639.20Add : Extra Taxation and Transporation etc 6%

PLANT AND MACHINERY



Jodhpur


20/29

T & ME

2009-2010 2010-2011 2011-2012 2012-2013 2013-2014 2014-15 2014-15


GROSS INCOME

1. Sales (Net of returns)

a. Domestic Sales 5,702,750 6,273,025 7,185,465 7,784,254 8,173,466 8,173,466 8,173,466

b. Export Sales - - - - - - -

c. Sub- total (a+b) 5,702,750 6,273,025 7,185,465 7,784,254 8,173,466 8,173,466 8,173,466

d. Percentage rise (+) or fall (-) or fall (--) in sales

turnover as compared to previous year

ii. Other income

a. Duty Drawback - - - - - - -

b. Cash assistance / Sales of Import Licance - - - - - - -

c. Commission & Brokerage received ( Job work) - - - - - - -

d. Sub-total (a+b+c) - - - - - - -

iii Total (I) + (ii) 5,702,750 6,273,025 7,185,465 7,784,254 8,173,466 8,173,466 8,173,466

2 COST OF SALES

I Purchases

Purchase & W.I.P. Items 3,771,200 3,959,760 4,233,343 4,356,816 4,269,680 4,013,499 3,692,419

Total Purchases 3,771,200 3,959,760 4,233,343 4,356,816 4,269,680 4,013,499 3,692,419

iv. ADD: Opening stock - 380,000 550,000 605,000 665,500 732,050 805,255

Total Opening Stock - 380,000 550,000 605,000 665,500 732,050 805,255

vi. LESS: Closing Stock 380,000 550,000 605,000 665,500 732,050 805,255 885,781

Total Closing Stock 380,000 550,000 605,000 665,500 732,050 805,255 885,781

vii. Sub-total Material Consumed (v--vi) 3,391,200 3,789,760 4,178,343 4,296,316 4,203,130 3,940,294 3,611,893

PROJECTED

ASSESSMENT OF WORKING CAPITAL REQUIREMENTS

(For Traders & Merchant Exporters)

FORM-II- OPERATING STATEMENT



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2009-2010 2010-2011 2011-2012 2012-2013 2013-2014 2014-15 2014-15


4. OPERATING PROFIT (BEFORE INTEREST

& DEPRECIATION)

[1 (III) --2 (vii) --3] 647,215 645,717 811,405 863,742 833,482 763,301 708,088

5. INTEREST 113,943 96,301 78,658 61,015 43,372 25,729 8,086

6. DEPRECIATION 214,000 182,445 155,569 132,675 113,171 96,553 82,392

7. OPERATING PROFIT (AFTER INTEREST

& DEPRECIATION) (4-5-6) 319,272 366,971 577,178 670,053 676,939 641,019 617,610

8. I. ADD: OTHER NON-OPERATING INCOME - - - - - - -

A.B.

C. SUB-TOTAL (INCOME) - - - - - - -

II. LESS: OTHER NON-OPERATING EXPENSES

A. PRLIMINERY EXPENSES 10,714 10,714 10,714 10,714 10,714 10,714 10,714

B.

C. SUB-TOTAL (EXPENSES) 10,714 10,714 10,714 10,714 10,714 10,714 10,714

III. NET OF OTHER NON-OPERATING INCOME/

EXPENSES[Net of 8 (ii) ] (10,714) (10,714) (10,714) (10,714) (10,714) (10,714) (10,714)

9. PROFIT BEFORE TAX / LOSS [ 7+8(III) ] 308,558 356,257 566,464 659,338 666,224 630,305 606,895

10. PROVISION FOR TAXES & WITHDRAWALS - - - - - - -

11. NET PROFIT / LOSS (9--10) 308,558 356,257 566,464 659,338 666,224 630,305 606,895

12. (A) EQUITY DIVIDEND PAID** / withdrawals 100,000 125,000 150,000 175,000 200,000 225,000 250,000

13. RATAINED PROFIT (11-12) 208,558 231,257 416,464 484,338 466,224 405,305 356,895

14. RETAINED PROFIT / NET PROFIT(%AGE) 67.59 64.91 73.52 73.46 69.98 64.30 58.81

(13-11)

PROJECTED


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LIABILITIES 2009-2010 2010-2011 2011-2012 2012-2013 2013-2014 2014-15 2014-15


CURRENT LIABILITIES

1. Short Term Borrowing from banks(a) from applicant Bank CC - - - - - - -(b) Bank A/c - - - - - - -(c) of which BO & BD)

SUB TOTAL (A) - - - - - - -

2. Short Term Borrowing from others

3. Sundry Creditors ( Trade )(Month's Purchases) 154,981 162,730 173,973 179,047 175,466 164,938 151,743

4. Financial Creditors

5. Provision for Taxation - - - - - - -

6. Bank Loan

7. Other Statutory liabilities - - - - - - -( due within one year)

8. Deposit /Debenture / Installments - - - - - - -under term loan /dpgs etc (due withinone year )

9. Other current liabilities & provisions - - - - - - -(due within one year )

SUB TOTAL (B) 154,981 162,730 173,973 179,047 175,466 164,938 151,743

10. TOTAL CURRENT LIABILITIESTotal of 1 to 9 154,981 162,730 173,973 179,047 175,466 164,938 151,743

TERM LIABILITIES

11. Debenture12. Preference Share13. Term Loan #REF! 814,286 678,571 542,857 407,143 271,429 248,81014 Deferred Payment credit15 Term Deposit16 Other Term Liabilities- Financial Creditors - - - - - - -

17 TOTAL TERM LIABILITIES #REF! 814,286 678,571 542,857 407,143 271,429 248,81011 TO 16

18 TOTAL OUTSIDE LIABILITIES10 + 17 #REF! 977,016 852,544 721,904 582,609 436,367 400,553

FORM III

ANALYSIS OF BALANCE SHEET

PROJECTED


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CONTROL CHECKBAL AS PER PBS 2,009,824 2,113,116 2,405,109 2,758,807 3,085,736 3,457,894 3,552,785

DIFF #REF! 135,714 135,714 135,714 135,714 22,619 248,810


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2009-2010 2010-2011 2011-2012 2012-2013 2013-2014 2014-15 2014-15

ASSETS IST IIND IIIRD IVTH VTH VITH VIITH

CURRENT ASSETS

26. Cash & Bank Balance ( FDR ) 82,171 60,194 130,679 198,150 534,430 940,649 1,048,12127. Investments- Advance to Compnay - - - - - - -28. Receivable 109,368 257,796 590,586 959,703 1,007,688 1,007,688 1,007,688

( Month domestic Sales)Export Receivable - - - - - - -

( Month export Sales)29 Investments under Deferred receivables30 Stock in Trade 380,000 550,000 605,000 665,500 732,050 805,255 885,781

( Month cost of sales )31. Advance to Supplies - - - - - - -32. Advance payment of taxes - - - - - - -

33 Other Current Assets - - - - - - -34 TOTAL CURRENT ASSETS 571,539 867,990 1,326,265 1,823,353 2,274,167 2,753,592 2,941,589

( Total 26 to 33 )FIXED ASSETS35 Gross Block 1,463,000 1,249,000 1,066,555 910,986 778,311 665,140 568,58836. Depreciation to date 214,000 182,445 155,569 132,675 113,171 96,553 82,39237. Net Block 1,249,000 1,066,555 910,986 778,311 665,140 568,588 486,196

OTHER NON CURRENT ASSETS38 Investment Security 125,000 125,000 125,000 125,000 125,000 125,000 125,00039. Obsolete Stock

40 Other non Current Assets41 TOTAL OTHER NON CURRENT ASSET 125,000 125,000 125,000 125,000 125,000 125,000 125,000( Total 38 to 40 )

42 Interngible Assets 64,286 53,571 42,857 32,143 21,429 10,714 043 Total AssetsTotal of 34+37+41+42 2,009,825 2,113,116 2,405,109 2,758,807 3,085,736 3,457,894 3,552,78544 Tangible Net Worth (24-42) 976,272 1,218,243 1,645,422 2,140,474 2,617,413 3,033,432 3,401,04145 Net Working Capital ( 17+24 ) - (37+41+4 #REF! 840,974 1,288,007 1,780,020 2,234,415 2,611,273 3,038,655Tally with ( 34 -10 )

(34-10) 416,558 705,260 1,152,292 1,644,305 2,098,701 2,588,654 2,789,84646. CURRENT RATIO (34/10) 3.69 5.33 7.62 10.18 12.96 16.69 19.3947 TOTAL OUTSIDE LIABILITIES /TANGIBLE NET WORTH ( 18 / 44 ) #REF! 0.80 0.52 0.34 0.22 0.14 0.12

DE Ratio ( Long Term Loan/ Equity) #REF! 0.64 0.40 0.25 0.15 0.09 0.07ADDITIONAL INFORMATION'S

(A) Arrears of Depreciation - - - - - - -

(B) Contingent Liabilities NIL NIL NIL NIL NIL NIL NIL

PROJECTED


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CURRENT ASSETS2009-2010 2010-2011 2011-2012 2012-2013 2013-2014 2014-15 2014-15


Stock in Trade 380,000 550,000 605,000 665,500 732,050 805,255 885,781( Month cost of sales )

Receivable 109,368 257,796 590,586 959,703 1,007,688 1,007,688 1,007,688

( Month domestic Sales)

Investment - - - - - - -

Advance Payment to Suppliers - - - - - - -

Cash & Bank Balance 82,171 60,194 130,679 198,150 534,430 940,649 1,048,121

34 TOTAL CURRENT ASSETS 571,539 867,990 1,326,265 1,823,353 2,274,167 2,753,592 2,941,589

( Total 26 to 33 )

CURRENT LIABILITIES(Other than bank borrowing for WC - - - - - - -

Mortagage Loan - - - - - - -Sundry Creditors 154,981 162,730 173,973 179,047 175,466 164,938 151,743

( month of Purchases

Advance Payment from Customer - - - - - - -

Statutory Liabilities - - - - - - -

Other Current Liabilities - - - - - - -

Total 154,981 162,730 173,973 179,047 175,466 164,938 151,743

COMPARATIVE STATEMENT OF CURRENT ASSETS AND CURRENT LIABILITIES

PROJECTED


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2009-2010 2010-2011 2011-2012 2012-2013 2013-2014 2014-15 2014-15


1. Total Current Assets 571,539 867,990 1,326,265 1,823,353 2,274,167 2,753,592 2,941,589

( 34 of from III)

2. Current Liabilities ( 2 to 9 of from III ) 154,981 162,730 173,973 179,047 175,466 164,938 151,743

other than bank borrowings

3. Working Capital Gap ( 1 - 2 ) 416,558 705,260 1,152,292 1,644,305 2,098,701 2,588,654 2,789,846

4. Min. stipulated Net Working

Capital 25 % of Total Current Assets

Other than export receibables(as at 28 (ii) of from (III) 142,885 216,997 331,566 455,838 568,542 688,398 735,397

5. Actual /Projected net working capital(45 in Form III ) 416,558 705,260 1,152,292 1,644,305 2,098,701 2,588,654 2,789,846

6. Items 3 minus item 4 273,673 488,262 820,726 1,188,467 1,530,159 1,900,256 2,054,448

7. Items 3 minus item 5 - - - - - - -

8. Maximum Permissible bank finance - - - - - - -

item 6 or 7 which ever is lower

9. Excess borrowings if any reprintingshortfall in NWC 273,673 488,262 820,726 1,188,467 1,530,159 1,900,256 2,054,448

( 4-5)

Will be genrate through internal resources

PROJECTED

FORM V

COMPUTATION OF MAXIMUM PERMISSIBLEBANK FINANCE FOR WORKING CAPITAL


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Name of the Party :

NOTE ON ASSESSMENT OF PBF

-1 SALES

Particulars 2009-2010 2010-2011 2011-2012 2012-2013 2013-2014 2014-15 2014-15


Sales 5,702,750 6,273,025 7,185,465 7,784,254 8,173,466 8,173,466 8,173,466

Growth in Sales 9.09 12.70 7.69 4.76 - -

Justification :

-2 Basic Data : (Value per month)

2009-2010 2010-2011 2011-2012 2012-2013 2013-2014 2014-15 2014-15


475,229 522,752 598,789 648,688 681,122 681,122 681,122

409,995 455,947 516,227 559,523 591,902 595,774 598,201

-3 NORMS - Past, Projected & Accepted

2009-2010 2010-2011 2011-2012 2012-2013 2013-2014 2014-15 2014-15


380,000 550,000 605,000 665,500 732,050 805,255 885,781

- - - - - - -

109,368 257,796 590,586 959,703 1,007,688 1,007,688 1,007,688

- - - - - - -

82,171 60,194 130,679 198,150 534,430 940,649 1,048,121

571,539 867,990 1,326,265 1,823,353 2,274,167 2,753,592 2,941,589


Cash & Bank

Total C.A.

Domestic Sale

Cost of Sales

Closing Stock

Investment

Receivables

Advance Payment


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-4 JUSTIFICATION FOR ACCEPTANCE OF NORMS :-

FINISHED GOODS :

RECEIVABLES :

CASH & BANK BALANCE :

-5 CHARGEABLE CURRENT ASSETS :

2009-2010 2010-2011 2011-2012 2012-2013 2013-2014 2014-15 2014-15IST IIND IIIRD IVTH VTH VITH VIITH

380,000 550,000 605,000 665,500 732,050 805,255 885,781

380,000 550,000 605,000 665,500 732,050 805,255 885,781

-6 OTHER CURRENT ASSETS :

2009-2010 2010-2011 2011-2012 2012-2013 2013-2014 2014-15 2014-15


- - - - - - -

109,368 257,796 590,586 959,703 1,007,688 1,007,688 1,007,688

- - - - - - -

82,171 60,194 130,679 198,150 534,430 940,649 1,048,121

191,539 317,990 721,265 1,157,853 1,542,117 1,948,337 2,055,808

C / Stock - Materials

Investment

Receivables

Advance Payment

Cash & Bank Balances


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-7 OTHER CURRENT LIABILITIES :

2009-2010 2010-2011 2011-2012 2012-2013 2013-2014 2014-15 2014-15


- - - - - - -

154,981 162,730 173,973 179,047 175,466 164,938 151,743

- - - - - - -

154,981 162,730 173,973 179,047 175,466 164,938 151,743

-8 NET WORKING CAPITAL

2009-2010 2010-2011 2011-2012 2012-2013 2013-2014 2014-15 2014-15


571,539 867,990 1,326,265 1,823,353 2,274,167 2,753,592 2,941,589

154,981 162,730 173,973 179,047 175,466 164,938 151,743

416,558 705,260 1,152,292 1,644,305 2,098,701 2,588,654 2,789,846

416,558 705,260 1,152,292 1,644,305 2,098,701 2,588,654 2,789,846

- - - - - - -

COMMENTS :

-9 MPBF : 2009-2010 2010-2011 2011-2012 2012-2013 2013-2014 2014-15 2014-15


571,539 867,990 1,326,265 1,823,353 2,274,167 2,753,592 2,941,589

154,981 162,730 173,973 179,047 175,466 164,938 151,743

416,558 705,260 1,152,292 1,644,305 2,098,701 2,588,654 2,789,846142,885 216,997 331,566 455,838 568,542 688,398 735,397

416,558 705,260 1,152,292 1,644,305 2,098,701 2,588,654 2,789,846

273,673 488,262 820,726 1,188,467 1,530,159 1,900,256 2,054,448

- - - - - - -

- - - - - - -

5,702,750 6,273,025 7,185,465 7,784,254 8,173,466 8,173,466 8,173,466

1,425,688 1,568,256 1,796,366 1,946,063 2,043,367 2,043,367 2,043,367

285,138 313,651 359,273 389,213 408,673 408,673 408,673

416,558 705,260 1,152,292 1,644,305 2,098,701 2,588,654 2,789,846

1,009,130 862,997 644,074 301,758 (55,334) (545,287) (746,479)( 2-4 )

a ) As per second method of lending

b ) As per Nayak committee Recommendations :-1. Accepted sales turnover

2. Working Capital requirement

( 25 % of accepted sales )

3. Minimum stipulated margin

( 5 % of accepted sales )

6. Item 3 - 4

7. Item 3 - 5

8. M.P.B.F.

Say Rupees ( Lacs )

4. Available / Accpted N.W.C.

5. P.B.F

2. Other Current Liabilities

3. Working Capital Gap4. Minimum stipulated margin

(I.e., 25 % of current assets

excluding export receivable )

5. Projected/accepted N.W.C.

Total C.A.

Less : Total O.C.L.

Working Capital Gap

Less : Projected / Actual NWC

PBF

1. Total Current Assets

Advance Payment

Creditors for Materials

Creditors for Expenses

Project for Sand Stone

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