PROJECT COST 500,000

LOAN AMOUNT 475,000

PURCHASES 500000

SALES 800000

EXPENSES 96000

CREDITORS 50000

RECEIVABLES 100000
 Dhanaseelan P
93 anthoniyar kovil street,Alangiyam,
Dharapuram (Taluk),

FORM I (OPERATING STATEMENT)

PARTICULARS ESTIMATE PROJECTED YEARS
D
31/03/2025 31/03/2026 31/03/2027 31/03/2028 31/03/2029 31/03/2030 31/03/2031
1 Gross Income
(i.) Sales(net of returns)
(a.) Rental income 800000.00 960000.00 1104000.00 1269600.00 1396560.00 1536216.00 1689837.60
(b.) Export Sales 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(c.) Sub-total(a+b) 800000.00 960000.00 1104000.00 1269600.00 1396560.00 1536216.00 1689837.60
(d.) % rise(+) or fall(-) in 5.00 6.67 6.67 10.00 10.00 10.00
sales turnover as
compared to
Previous Year

(ii.) Other Income

(iii.) Total (i) + (ii) 800000.00 960000.00 1104000.00 1269600.00 1396560.00 1536216.00 1689837.60
2 Cost of Sales
(i.) Purchases 500000.00 550000.00 605000.00 665500.00 732050.00 805255.00 885780.50
(ii.) Other trading exp.s (carriage 50000.00 55000.00 60500.00 66550.00 73205.00 80525.50 88578.05
inward, commission and
brokerage
on purchase)
(iii.) Sub-total (i) + (ii) 550000.00 605000.00 665500.00 732050.00 805255.00 885780.50 974358.55
(iv.) Add: Opening Stock 0.00 183333.33 262777.78 309425.93 347158.64 384137.88 423306.13
(v.) Sub-total (iii) + (iv) 550000.00 788333.33 928277.78 1041475.93 1152413.64 1269918.38 1397664.68
(vi.) Less: Closing Stock 183333.33 262777.78 309425.93 347158.64 384137.88 423306.13 465888.23
(vii.) Total cost of sales (v) - (vi) 366666.67 525555.56 618851.85 694317.28 768275.76 846612.25 931776.45
3 Selling General & 96000.00 105600.00 116160.00 127776.00 140553.60 154608.96 170069.86
Administrative
Total 462666.67 631155.56 735011.85 822093.28 908829.36 1001221.21 1101846.31

2
 Dhanaseelan P
93 anthoniyar kovil street,Alangiyam,
4 Operating Profit (before 337333.33 Dharapuram
328844.44 (Taluk),
368988.15 447506.72 487730.64 534994.79 587991.29
Interest
and Depriciation [1(iii) - 2(vii) -
3]

PARTICULARS ESTIMATE PROJECTED YEARS

D
31/03/2025 31/03/2026 31/03/2027 31/03/2028 31/03/2029 31/03/2030 31/03/2031
5 Interest 19000.00 57000.00 57000.00 57000.00 57000.00 57000.00 57000.00
6 Depreciation 10000.00 9000.00 8100.00 7290.00 6561.00 5904.90 5314.41
29000.00 66000.00 65100.00 64290.00 63561.00 62904.90 62314.41
7 Operating Profit (after Interest 308333.33 262844.44 303888.15 383216.72 424169.64 472089.89 525676.88
Depreciation)(4-5-6)

8
(i.)Add: Other non-operating
9 ProfitIncome
Before TAX/Loss [7 + 308333.33 262844.44 303888.15 383216.72 424169.64 472089.89 525676.88
10 8(iii)]
Provision for Taxes 0.00 0.00 0.00 0.00 0.00 0.00 0.00
11 Net Profit/Loss (9 - 10) 308333.33 262844.44 303888.15 383216.72 424169.64 472089.89 525676.88
12
(i.) Equity dividend paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(ii.) Dividend Rate 0.00 0.00 0.00 0.00 0.00 0.00 0.00
13 Retained Profit (11 - 12) 308333.33 262844.44 303888.15 383216.72 424169.64 472089.89 525676.88
14 Retained Profit/Net Profit (%) 100 100 100 100 100 100 100
(13/11)** In Case of firms,
drawing made during the year
by
proprietors/partners

3
 Dhanaseelan P
93 anthoniyar kovil street,Alangiyam,
Dharapuram (Taluk),

FORM II (ANALYSIS OF BALANCE SHEET)

PARTICULARS ESTIMATE PROJECTED YEARS
D
31/03/2025 31/03/2026 31/03/2027 31/03/2028 31/03/2029 31/03/2030 31/03/2031
Current Liabilites
1 Short-Term borrowings from
banks (including bills
purchased Discount & excess
borrowings placed on
repayment basis)
(i.) From applicant bank 475000.00 475000.00 475000.00 475000.00 475000.00 475000.00 475000.00
(ii.) From other banks 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(iii.) (Of which BP & BD) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Sub-Total(A) 475000.00 475000.00 475000.00 475000.00 475000.00 475000.00 475000.00
2 Short-term borrowing from 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 others
Sundry creditors(trade) 50000.00 100000.00 150000.00 200000.00 250000.00 300000.00 350000.00
4 Advance payments from
customers/deposits from
5 dealers
Provision for taxation 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6 Dividend payable
7 Other statutory liabilities
(due within
8 one year)
Deposits/Instalments of term 0.00 0.00 0.00 0.00 0.00 0.00 0.00
loans/DPGs/debentures,etc.
(due
9 within one year)
Other current liabilites & 0.00 0.00 0.00 0.00 0.00 0.00 0.00
provisions
(Due within 1 year)(Specify
major items)
Sub-Total(B) 50000.00 100000.00 150000.00 200000.00 250000.00 300000.00 350000.00
10 Total current Liabilites(Total 525000.00 575000.00 625000.00 675000.00 725000.00 775000.00 825000.00
1 To 9)

4
 Dhanaseelan P
93 anthoniyar kovil street,Alangiyam,
Dharapuram (Taluk),

PARTICULARS ESTIMATE PROJECTED YEARS

D
31/03/2025 31/03/2026 31/03/2027 31/03/2028 31/03/2029 31/03/2030 31/03/2031
Term Liabilites
11 Debentures(not maturing
within one
12 Year
Preference Shares
(redeemable after
13 one
Termyear)
loans (excluding 0.00 0.00 0.00 0.00 0.00 0.00 0.00
instalments
payable within
14 Deferred oneCredits
Payment years)
(excluding
15 instalments due(repayment
Terms deposits within one
year)
after 1
16 year)
From Directors & relatives

17 Other terms liabilities

18 Total terms liabilities(Add 11 0.00 0.00 0.00 0.00 0.00 0.00 0.00
to 17)
19 Total Outside 525000.00 575000.00 625000.00 675000.00 725000.00 775000.00 825000.00
Liabilites(10+18)
Net worth

20 Ordinary share capital 308333.33 571177.78 566732.59 687104.86 807386.35 896259.52 997766.77

21 General reserve

22 Revaluation Reserve

23 Other reserves(excluding
provision)

5
 Dhanaseelan P
93 anthoniyar kovil street,Alangiyam,
24 Surplus (+) or deficit (-) in 0.00 Dharapuram
0.00 (Taluk),
0.00 0.00 0.00 0.00 0.00
profit and
25 Loss account
Net Worth 308333.33 571177.78 566732.59 687104.86 807386.35 896259.52 997766.77

26 Total Liabilities (19+25) 833333.33 1146177.78 1191732.59 1362104.86 1532386.35 1671259.52 1822766.77

PARTICULARS ESTIMATE PROJECTED YEARS

D
31/03/2025 31/03/2026 31/03/2027 31/03/2028 31/03/2029 31/03/2030 31/03/2031
Current Assets
27 Cash and bank balances 20000.00 30000.00 45000.00 67500.00 101250.00 151875.00 227812.50
28 Investment(other than long-
term
(i.) Government & other 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Trust
(ii.) securities
Fixed deposits with 0.00 0.00 0.00 0.00 0.00 0.00 0.00
29 banks
(i.) Receivables other than 0.00 0.00 0.00 0.00 0.00 0.00 0.00
deferred and
exports(including bills
purchased &
discounted by
banks)
(ii.) Export receivables 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(including bills
purchased/ discounted
by
banks)
30 Instalments of deferred
31 receivables
Inventory
(i.) Finished goods 560000.00 627200.00 702464.00 786759.68 881170.84 986911.34 1105340.70
32 Advance to suppliers of raw
material
33 stores/spares
Advances payment of taxes

34 Other current assets (specify 0.00 0.00 0.00 0.00 0.00 0.00 0.00
major
items)

6
 Dhanaseelan P
93 anthoniyar kovil street,Alangiyam,
35 Total Current Assets(add 27 580000.00 Dharapuram
657200.00 (Taluk),
747464.00 854259.68 982420.84 1138786.34 1333153.20
To 34)

Fixed Assets
36 Gross Block (land & bulding, 96000.00 86400.00 77760.00 72900.00 65610.00 59049.00 53144.10
machinery,[Link]-in-
progress)
37 Depreciation to date 9600.00 8640.00 7776.00 7290.00 6561.00 5904.90 5314.41

38 Net Block(36-37) 86400.00 77760.00 69984.00 65610.00 59049.00 53144.10 47829.69

Other Non-Current Assets
39 Investments
40 Obsolete stock
41 Other non-current assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00
42 Total other non-current 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Assets (Total
of 39 To 41)

43 Intangible assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00

44 Total Assets 666400.00 734960.00 817448.00 919869.68 1041469.84 1191930.44 1380982.89
45 (35+38+42+43)
Tangible Net worth(25-43) 308333.33 571177.78 566732.59 687104.86 807386.35 896259.52 997766.77
221933.33 493417.78 496748.59 621494.86 748337.35 843115.42 949937.08

46 Net Working Capital 221933.33 493417.78 496748.59 621494.86 748337.35 843115.42 949937.08
[(18+25) -
(38+42+43)] Tally With
Net Working Capital (35-10) 55000.00 935250.49 1498266.92 2250446.34 3096686.19 3516427.39 4073623.94
47 Current Ratio (Items 35/10) 1.10 1.14 1.20 1.27 1.36 1.47 1.62
48 Total Outside Liabilities/ 1.70 1.01 1.10 0.98 0.90 0.86 0.83
Tangible Net
worth(19/45)

7
 Dhanaseelan P
93 anthoniyar kovil street,Alangiyam,
Dharapuram (Taluk),

FORM III (COMPARATIVE STATEMENT OF CURRENT ASSETS AND CURRENT LIABILITIES)

PARTICULARS ESTIMATE PROJECTED YEARS
D
31/03/2025 31/03/2026 31/03/2027 31/03/2028 31/03/2029 31/03/2030 31/03/2031
A. Current Assets
1 Stock-in-Trade: 560000.00 627200.00 702464.00 786759.68 881170.84 986911.34 1105340.70

(Months' cost of Sales:) 6.38 6.62 5.96 6.72 6.36 6.41 6.92
2 Receivables other than 0.00 0.00 0.00 0.00 0.00 0.00 0.00
export and deferred
receivables (including bills
purchased & discounted by
(Months' domestic
bankers 1.50 1.09 1.70 2.14 2.37 2.37 2.51
3 Exportsales:)
receivables (including 0.00 0.00 0.00 0.00 0.00 0.00 0.00
bills
purchased & discounted)

(Months' export sales:)

4 Advance to suppliers of raw
materials and stores/ spares,
consumables
5 Other current assets 20000.00 30000.00 45000.00 67500.00 101250.00 151875.00 227812.50
including cash and bank
balances & deferred
receivables due within one
year
(specify major items)
6 Total current Assets (To 580000.00 657200.00 747464.00 854259.68 982420.84 1138786.34 1333153.20
agree with
item 35 in Form III)

8
 Dhanaseelan P
93 anthoniyar kovil street,Alangiyam,
Dharapuram (Taluk),

B. Current Liabilities (Other than

bank
borrowing for working capital)
7 Sundry Creditors (trade) 50000.00 100000.00 150000.00 200000.00 250000.00 300000.00 350000.00

(Months' purchases:) 1.00 1.22 1.35 1.38 1.44 2.26

8 Advances payment
from customers/
deposits from dealers

9 Statutory liabilities 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 Other current liabilities 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(Specify major items
such as Short-term
borrowing, unsecured
loans, dividend
payable, instalments of
TL. DPG, Public
deposits,debentures,et
11 Total (To agree with 50000.00 100000.00 150000.00 200000.00 250000.00 300000.00 350000.00
sub-total B-
Form III)

9
 Dhanaseelan P
93 anthoniyar kovil street,Alangiyam,
Dharapuram (Taluk),

FORM IV (Computation of maximum permissible Bank Finance for Working Capital)

PARTICULARS ESTIMATE PROJECTED YEARS
D
31/03/2025 31/03/2026 31/03/2027 31/03/2028 31/03/2029 31/03/2030 31/03/2031
1 Total Current Assets,(6 in Form 580000.00 657200.00 747464.00 854259.68 982420.84 1138786.34 1333153.20
IV)

2 Current Liabilities (Other than 50000.00 100000.00 150000.00 200000.00 250000.00 300000.00 350000.00
bank
borrowing) (2 to 9 of Form III)

3 Working Capital Gap (WCG)(1- 530000.00 557200.00 597464.00 654259.68 732420.84 838786.34 983153.20
2)
4 Minimum stipulated net 132500.00 139300.00 149366.00 163564.92 183105.21 209696.59 245788.30
working Capital i.e. 25% of
WCG/25% of total current asset
as the case may be depending
upon the method of lending
being applied (Export
receivables to be excluded
under
both methods)

5 Actual/projected net working 0.00 0.00 0.00 0.00 0.00 0.00 0.00
capital (46 in Form III)

10
 Dhanaseelan P
93 anthoniyar kovil street,Alangiyam,
6 Assessed Bank Finance (3-4) 397500.00 Dharapuram
417900.00 (Taluk),
448098.00 490694.76 549315.63 629089.76 737364.90

FORM V (FUNDS FLOW STATEMENT)

PARTICULARS ESTIMATE PROJECTED YEARS
D
31/03/2025 31/03/2026 31/03/2027 31/03/2028 31/03/2029 31/03/2030 31/03/2031
1 Sources 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(a.) Net profit (After tax) 0.00 262844.44 303888.15 383216.72 424169.64 472089.89 525676.88
(b.) Depreciation 0.00 9000.00 8100.00 7290.00 6561.00 5904.90 5314.41
(c.) Increase in capital 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(d.) Increase in Term Liabilities 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(Including Public deposits)

(e.) Decrease in 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(i.) Fixed Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(ii.) Other non-current 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(f.) Other assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(g.) Total 0.00 271844.44 311988.15 390506.72 430730.64 477994.79 530991.29
2 Uses 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(a.) Net loss 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(b.) Decrease in term Liabilities 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(Including public deposits)

(c.) Increase in: 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(i.) Fixed Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(ii.) Other non-current 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(d.) assets
Dividend payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(e.) Others 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11
 Dhanaseelan P
93 anthoniyar kovil street,Alangiyam,
(f.) Total 0.00 Dharapuram
0.00 (Taluk),
0.00 0.00 0.00 0.00 0.00
3 Long-term Surplus (+)/Deficit 0.00 271844.44 311988.15 390506.72 430730.64 477994.79 530991.29
(-)(1-
2) * (as per details given
below)

FINANCIAL RATIOS
PARTICULARS ESTIMATE PROJECTED YEARS
D
31/03/2025 31/03/2026 31/03/2027 31/03/2028 31/03/2029 31/03/2030 31/03/2031
1 General Parameter
(i) Growth In Net Sale 0.00 20.00 15.00 15.00 10.00 10.00 10.00
(ii) Growth In Net Profit 0.00 9.70 15.62 26.10 10.69 11.30 11.35
(iii) Growth In Net Worth 0.00 85.25 18.23 21.24 17.51 11.01 11.33
(iv) Export Sales/Total Sales 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(v) Domestic Sales/Total Sales 100.00 100.00 100.00 100.00 100.00 100.00 100.00
2 Liquidity Ratio
(i) Current Ratio 1.36 1.74 2.11 2.61 3.18 3.43 3.33
(ii) Quick Ratio 0.35 0.32 0.70 1.09 1.67 1.91 1.98
3 Turnover Ratio
(i) Stock Turnover Ratio:-
(a) Raw Material N.A. N.A. N.A. N.A. N.A. N.A. N.A.
(b) Work in Process N.A. N.A. N.A. N.A. N.A. N.A. N.A.
(c) Finished Goods/ Traded 2.63 3.08 2.87 2.79 2.89 3.03 3.15
Goods
(ii) Debtor Turnover Ratio 8.00 11.32 9.07 6.42 5.56 5.23 5.12
(iii) Average Collection Period 45.00 31.80 39.69 56.07 64.75 68.83 70.31
(iv) Creditors Turnover Ratio 14.00 13.51 10.91 9.42 8.88 8.59 6.54
(v) Average Payment Period 25.71 26.65 33.00 38.22 40.54 41.91 55.05
(vi) Fixed Assets Turnover Ratio 35.56 57.28 72.76 85.57 104.59 124.07 149.96
(vii) Total Assets Turnover Ratio 1.85 2.03 1.82 1.51 1.35 1.31 1.22
4 Solvency Ratio

12
 Dhanaseelan P
93 anthoniyar kovil street,Alangiyam,
31/03/2025 Dharapuram
31/03/2026 (Taluk), 31/03/2028
31/03/2027 31/03/2029 31/03/2030 31/03/2031
(i) Debt-Equity Ratio 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(ii) Total Outside Liability/Total 2.28 1.25 0.86 0.60 0.45 0.41 0.42
Net Loan/Cash Profit
(iii) Term 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(iv) Term Loan Interest/Term
(v) WC Interest/WC Borrowing 0.07 0.14 0.14 0.14 0.14 0.14 0.14
5 Coverage Ratio
(i) Interest Coverage Ratio 6.02 4.76 5.27 6.73 7.46 8.03 9.09

6 Profitability Ratio
(i) Gross Profit Ratio 18.83 19.14 18.21 21.55 22.17 23.37 25.46
(ii) Operating Profit Ratio 10.23 10.54 10.46 13.27 13.60 13.86 14.66
(iii) Net Profit Ratio 10.23 10.54 10.46 13.27 13.60 13.86 14.66
(iv) Return On Capital Employed 33.93 25.05 18.08 16.31 13.43 12.90 12.84
(v) Return On Net Worth 62.07 48.11 35.32 32.16 26.61 25.60 25.52
(vi) Retention Ratio 100.00 100.00 100.00 100.00 100.00 100.00 100.00
(vii) Payout Ratio 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7 Funding of Current Assets
(i) Bank Borrowing 58.02 43.08 33.35 26.02 21.03 19.13 16.31
(ii) Trade Creditors 15.27 14.51 14.04 12.33 10.41 10.07 13.74
(iii) Net Wroking Capital 26.71 42.41 52.60 61.65 68.56 70.80 69.95
(iv) Other Current Liability 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(v) Toatl Current Assets 100.00 100.00 100.00 100.00 100.00 100.00 100.00

13
 FORM III (ANALYSIS OF BALANCE SHEET)
PARTICULARS ESTIMATE PROJECTED YEARS
D
31/03/2025 31/03/2026 31/03/2027 31/03/2028 31/03/2029 31/03/2030 31/03/2031
Current Liabilites
1 Short-Term borrowings from
banks (including bills purchased
Discount & excess borrowings
placed on
repayment basis)

(i.) From applicant bank 475000.00 475000.00 475000.00 475000.00 475000.00 475000.00 475000.00
(ii.) From other banks 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(iii.) (Of which BP & BD) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Sub-Total(A) 475000.00 475000.00 475000.00 475000.00 475000.00 475000.00 475000.00
2 Short-term borrowing from others 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 Sundry creditors(trade) 50000.00 100000.00 150000.00 200000.00 250000.00 300000.00 350000.00
4 Advance payments from
customers/deposits from dealers

5 Provision for taxation 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6 Dividend payable
7 Other statutory liabilities (due
within
one year)
8 Deposits/Instalments of term 0.00 0.00 0.00 0.00 0.00 0.00 0.00
loans/DPGs/debentures,etc. (due
within one year)

9 Other current liabilites & 0.00 0.00 0.00 0.00 0.00 0.00 0.00
provisions
(Due within 1 year)(Specify major
items)
31/03/2025 31/03/2026 31/03/2027 31/03/2028 31/03/2029 31/03/2030 31/03/2031
Sub-Total(B) 50000.00 100000.00 150000.00 200000.00 250000.00 300000.00 350000.00
10 Total current Liabilites(Total 1 To 525000.00 575000.00 625000.00 675000.00 725000.00 775000.00 825000.00
9)
Term Liabilites
11 Debentures(not maturing within
one
Year
12 Preference Shares (redeemable
after
one year)
13 Term loans (excluding 0.00 0.00 0.00 0.00 0.00 0.00 0.00
instalments
payable within one years)
14 Deferred Payment Credits
(excluding
instalments due within one year)
15 Terms deposits (repayment after
1
year)
16 From Directors & relatives
17 Other terms liabilities
18 Total terms liabilities(Add 11 to 0.00 0.00 0.00 0.00 0.00 0.00 0.00
19 17)
Total Outside Liabilites(10+18) 1200000.00 1270000.00 1350000.00 1400000.00 1420000.00 1450000.00 1750000.00
Net worth
20 Ordinary share capital 557333.33 820177.78 1124065.93 1507282.64 1931452.28 2403542.17 2929219.05
21 General reserve
22 Revaluation Reserve
23 Other reserves(excluding
24 provision)
Surplus (+) or deficit (-) in profit 0.00 0.00 0.00 0.00 0.00 0.00 0.00
and
Loss account
25 Net Worth 557333.33 820177.78 1124065.93 1507282.64 1931452.28 2403542.17 2929219.05
26 Total Liabilities (19+25) 1757333.33 2090177.78 2474065.93 2907282.64 3351452.28 3853542.17 4679219.05
Current Assets
27 Cash and bank balances 20000.00 55720.00 -11780.00 402460.00 104720.00 307380.00 144600.00
28 Investment(other than long-term
(i.) Government & other Trust 0.00 0.00 0.00 500000.00 500000.00 1000000.00 1200000.00
securities
(ii.) Fixed deposits with banks 0.00 0.00 0.00 0.00 0.00 0.00 0.00
29
 (i.) Receivables other than 100000.00 110000.00 150000.00 175000.00 220000.00 300000.00 350000.00
deferred and
exports(including bills
purchased & discounted by
banks)
(ii.) Export receivables 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(including bills purchased/
discounted by
banks)of deferred
30 Instalments
31 receivables
Inventory
(i.) Finished goods 1215000.00 1800000.00 1900000.00 2120000.00 2150000.00 2200000.00 2360000.00
32 Advance to suppliers of raw
33 material
Advances payment of taxes
34 Other current assets (specify 0.00 0.00 0.00 0.00 0.00 0.00 0.00
35 major
Total Current Assets(add 27 To 1335000.00 1965720.00 2038220.00 3197460.00 2974720.00 3807380.00 4054600.00
34)
Fixed Assets
36 Gross Block (land & bulding, 100000.00 90000.00 81000.00 72900.00 65610.00 59049.00 53144.10
37 Depreciation to date 10000.00 9000.00 8100.00 7290.00 6561.00 5904.90 5314.41
38 Net Block(36-37) 90000.00 81000.00 72900.00 65610.00 59049.00 53144.10 47829.69
Other Non-Current Assets
39 Investments
40 Obsolete stock
41 Other non-current assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00
42 Total other non-current Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00
43 (Total
Intangible assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00
44 Total Assets (35+38+42+43) 1425000.00 2046720.00 2111120.00 3263070.00 3033769.00 3860524.10 4102429.69
45 Tangible Net worth(25-43) 557333.33 820177.78 1124065.93 1507282.64 1931452.28 2403542.17 2929219.05
467333.33 739177.78 1051165.93 1441672.64 1872403.28 2350398.07 2881389.36

46 Net Working Capital [(18+25) - 467333.33 739177.78 1051165.93 1441672.64 1872403.28 2350398.07 2881389.36
(38+42+43)] Tally With
Net Working Capital (35-10) 810000.00 935250.49 1498266.92 2250446.34 3096686.19 3516427.39 4073623.94
47 Current Ratio (Items 35/10) 2.54 3.42 3.26 4.74 4.10 4.91 4.91
48 Total Outside Liabilities/ Tangible 2.15 1.55 1.20 0.93 0.74 0.60 0.60
Net
 FORM IV (COMPARATIVE STATEMENT OF CURRENT ASSETS AND CU
PARTICULARS ESTIMATED PRO
31/03/2025 31/03/2026 31/03/2027
A. Current Assets
1 Stock-in-Trade: 1215000.00 1800000.00 1900000.00
(Months' cost of Sales:) 6.38 6.62 5.96
2 Receivables other than export and 100000.00 110000.00 150000.00
deferred receivables (including bills
purchased & discounted by bankers

(Months' domestic sales:) 1.50 1.09 1.70

3 Export receivables (including bills 0.00 0.00 0.00
purchased & discounted)

(Months' export sales:)

4 Advance to suppliers of raw materials
and stores/ spares,
consumables

5 Other current assets including cash 20000.00 55720.00 -11780.00

and bank balances & deferred
receivables due within one year
(specify major items)

6 Total current Assets (To agree with 1335000.00 1965720.00 2038220.00

item 35 in Form III)

B. Current Liabilities (Other than bank

borrowing for working capital)

7 Sundry Creditors (trade) 50000.00 100000.00 150000.00

(Months' purchases:) 1.00 1.22
8 Advances payment from
customers/
deposits from dealers
9 Statutory liabilities 0.00 0.00 0.00
10 Other current liabilities (Specify 0.00 0.00 0.00
major items such as Short-term
borrowing, unsecured loans,
dividend payable, instalments of
TL. DPG, Public
deposits,debentures,etc.
11 Total (To agree with sub-total B- 50000.00 100000.00 150000.00
Form III)
NT ASSETS AND CURRENT LIABILITIES)
PROJECTED YEARS
31/03/2028 31/03/2029 31/03/2030 31/03/2031

2120000.00 2150000.00 2200000.00 2360000.00

6.72 6.36 6.41 6.92
175000.00 220000.00 300000.00 350000.00

2.14 2.37 2.37 2.51

0.00 0.00 0.00 0.00

402460.00 104720.00 307380.00 144600.00

3197460.00 2974720.00 3807380.00 4054600.00

200000.00 250000.00 300000.00 350000.00

1.35 1.38 1.44 2.26

0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00

200000.00 250000.00 300000.00 350000.00

 FORM V (Computation of maximum permissible Bank Finance for
PARTICULARS ESTIMATED PRO
31/03/2025 31/03/2026 31/03/2027
1 Total Current Assets,(6 in Form IV) 1335000.00 1965720.00 2038220.00
2 Current Liabilities (Other than bank 50000.00 100000.00 150000.00
borrowing) (2 to 9 of Form III)

3 Working Capital Gap (WCG)(1-2) 1285000.00 1865720.00 1888220.00

4 Minimum stipulated net working 321250.00 466430.00 472055.00
Capital i.e. 25% of WCG/25% of total
current asset as the case may be
depending upon the method of
lending being applied (Export
receivables to be excluded under
both methods)

5 Actual/projected net working 467333.33 739177.78 1051165.93

capital (46 in Form III)

6 Assessed Bank Finance (3-4) 963750.00 1399290.00 1416165.00

ble Bank Finance for Working Capital)
PROJECTED YEARS
31/03/2028 31/03/2029 31/03/2030 31/03/2031
3197460.00 2974720.00 3807380.00 4054600.00
200000.00 250000.00 300000.00 350000.00

2997460.00 2724720.00 3507380.00 3704600.00

749365.00 681180.00 876845.00 926150.00

1441672.64 1872403.28 2350398.07 2881389.36

2248095.00 2043540.00 2630535.00 2778450.00

 FORM VI (FUNDS FLOW STATEMENT)
PARTICULARS ESTIMATED PRO
31/03/2025 31/03/2026 31/03/2027
1 Sources 0.00 0.00 0.00
(a.) Net profit (After tax) 0.00 262844.44 303888.15
(b.) Depreciation 0.00 9000.00 8100.00
(c.) Increase in capital 0.00 0.00 0.00
(d.) Increase in Term Liabilities 0.00 0.00 0.00
(Including Public deposits)

(e.) Decrease in 0.00 0.00 0.00

(i.) Fixed Assets 0.00 0.00 0.00
(ii.) Other non-current assets 0.00 0.00 0.00
(f.) Other 0.00 0.00 0.00
(g.) Total 0.00 271844.44 311988.15
2 Uses 0.00 0.00 0.00
(a.) Net loss 0.00 0.00 0.00
(b.) Decrease in term Liabilities 0.00 0.00 0.00
(Including public deposits)

(c.) Increase in: 0.00 0.00 0.00

(i.) Fixed Assets 0.00 0.00 0.00
(ii.) Other non-current assets 0.00 0.00 0.00
(d.) Dividend payments 0.00 0.00 0.00
(e.) Others 0.00 0.00 0.00
(f.) Total 0.00 0.00 0.00
3 Long-term Surplus (+)/Deficit (-)(1- 0.00 271844.44 311988.15
2) * (as per details given below)
W STATEMENT)
PROJECTED YEARS
31/03/2028 31/03/2029 31/03/2030 31/03/2031
0.00 0.00 0.00 0.00
383216.72 424169.64 472089.89 525676.88
7290.00 6561.00 5904.90 5314.41
0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
390506.72 430730.64 477994.79 530991.29
0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
390506.72 430730.64 477994.79 530991.29
 FINANCIAL RATIOS
PARTICULARS ESTIMATE PROJECTED YEARS
D
31/03/2025 31/03/2026 31/03/2027 31/03/2028 31/03/2029
1 General Parameter
(i) Growth In Net Sale 0.00 45.00 14.31 5.85 10.00
(ii) Growth In Net Profit 0.00 49.37 13.50 34.23 12.73
(iii) Growth In Net Worth 0.00 92.72 54.60 47.41 36.25
(iv) Export Sales/Total Sales 0.00 0.00 0.00 0.00 0.00
(v) Domestic Sales/Total Sales 100.00 100.00 100.00 100.00 100.00
2 Liquidity Ratio
(i) Current Ratio 1.36 1.74 2.11 2.61 3.18
(ii) Quick Ratio 0.35 0.32 0.70 1.09 1.67
3 Turnover Ratio
(i) Stock Turnover Ratio:-
(a) Raw Material N.A. N.A. N.A. N.A. N.A.
(b) Work in Process N.A. N.A. N.A. N.A. N.A.
(c) Finished Goods/ 2.63 3.08 2.87 2.79 2.89
Traded
Goods
(ii) Debtor Turnover Ratio 8.00 11.32 9.07 6.42 5.56
(iii) Average Collection Period 45.00 31.80 39.69 56.07 64.75
(iv) Creditors Turnover Ratio 14.00 13.51 10.91 9.42 8.88
(v) Average Payment Period 25.71 26.65 33.00 38.22 40.54
(vi) Fixed Assets Turnover 35.56 57.28 72.76 85.57 104.59
(vii) Ratio
Total Assets Turnover Ratio 1.85 2.03 1.82 1.51 1.35
4 Solvency Ratio
31/03/2025 31/03/2026 31/03/2027 31/03/2028 31/03/2029

(i) Debt-Equity Ratio 0.00 0.00 0.00 0.00 0.00

(ii) Total Outside Liability/Total 2.28 1.25 0.86 0.60 0.45
Net
Worth
(iii) Term Loan/Cash Profit 0.00 0.00 0.00 0.00 0.00
(iv) Term Loan Interest/Term
Borrowing

(v) WC Interest/WC Borrowing 0.07 0.14 0.14 0.14 0.14

5 Coverage Ratio
(i) Interest Coverage Ratio 6.02 4.76 5.27 6.73 7.46

6 Profitability Ratio
(i) Gross Profit Ratio 18.83 19.14 18.21 21.55 22.17
(ii) Operating Profit Ratio 10.23 10.54 10.46 13.27 13.60
(iii) Net Profit Ratio 10.23 10.54 10.46 13.27 13.60
(iv) Return On Capital 33.93 25.05 18.08 16.31 13.43
Employed
 (v) Return On Net Worth 62.07 48.11 35.32 32.16 26.61
(vi) Retention Ratio 100.00 100.00 100.00 100.00 100.00
(vii) Payout Ratio 0.00 0.00 0.00 0.00 0.00
7 Funding of Current Assets
(i) Bank Borrowing 58.02 43.08 33.35 26.02 21.03
(ii) Trade Creditors 15.27 14.51 14.04 12.33 10.41
(iii) Net Wroking Capital 26.71 42.41 52.60 61.65 68.56
(iv) Other Current Liability 0.00 0.00 0.00 0.00 0.00
(v) Toatl Current Assets 100.00 100.00 100.00 100.00 100.00
D YEARS
31/03/2030 31/03/2031

6.76 8.79
8.83 15.11
13.11 15.46
0.00 0.00
100.00 100.00

3.43 3.33
1.91 1.98

N.A. N.A.
N.A. N.A.
3.03 3.15

5.23 5.12
68.83 70.31
8.59 6.54
41.91 55.05
124.07 149.96
1.31 1.22

31/03/2030 31/03/2031
0.00 0.00
0.41 0.42

0.00 0.00

0.14 0.14

8.03 9.09

23.37 25.46
13.86 14.66
13.86 14.66
12.90 12.84
 25.60 25.52
100.00 100.00
0.00 0.00

19.13 16.31
10.07 13.74
70.80 69.95
0.00 0.00
100.00 100.00
 FORM VI (FUNDS FLOW STATEMENT)
PARTICULARS ESTI PROJECTED YEARS
MATE
D
31/03/2025 31/03/2026 31/03/2027 31/03/2028 31/03/2029 31/03/2030 31/03/2031

1 Sources 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(a.) Net profit (After 0.00 262844.44 303888.15 383216.72 424169.64 472089.89 525676.88
(b.) tax)
Depreciation 0.00 9000.00 8100.00 7290.00 6561.00 5904.90 5314.41
(c.) Increase in 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(d.) capital in Term
Increase 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(e.) Liabilities in
Decrease 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(i.) Fixed 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Assets
(ii.) Other 0.00 0.00 0.00 0.00 0.00 0.00 0.00
non-
current
assets
(f.) Other 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(g.) Total 0.00 271844.44 311988.15 390506.72 430730.64 477994.79 530991.29
2 Uses 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(a.) Net loss 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(b.) Decrease in 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(c.) term Liabilities
Increase in: 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(i.) Fixed 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Assets
(ii.) Other 0.00 0.00 0.00 0.00 0.00 0.00 0.00
non-
current
assets
(d.) Dividend 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(e.) payments
Others 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(f.) Total 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 Long-term Surplus 0.00 271844.44 311988.15 390506.72 430730.64 477994.79 530991.29
(+)/Deficit (-)(1- 31/03/2025 31/03/2026 31/03/2027 31/03/2028 31/03/2029 31/03/2030 31/03/2031

4 Increase/decrease in 0.00 567928.57 643016.43 802179.42 866239.85 449741.20 857196.55

current assets
5 Increase/decrease in 0.00 70000.00 80000.00 50000.00 20000.00 30000.00 300000.00
6 current
Increase/decrease in 0.00 497928.57 563016.43 752179.42 846239.85 419741.20 557196.55
7 working
Net surplus (+)/deficit 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8 (-)
Increase/decrease in: 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(i.) Bank borrowing 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(ii.) Net Sales 0.00 1440000.00 664000.00 310400.00 561440.00 417584.00 579342.40
*Break-up of(4) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(i.) Increase/ 0.00 0.00 0.00 0.00 0.00 0.00 0.00
DecreaseRaw
(a.) in: 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Material
(b.) s
Stocks- 0.00 0.00 0.00 0.00 0.00 0.00 0.00
in-
(c.) Process
Finished 0.00 585000.00 100000.00 220000.00 30000.00 50000.00 160000.00
Goods
(ii.) Increase/ 0.00 0.00 0.00 0.00 0.00 0.00 0.00
DecreaseExports
(a.) in 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(b.) Domesti 0.00 20000.00 330000.00 250000.00 220000.00 80000.00 200000.00
(iii.) Increase/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(iv.) Decrease in
Increase/ 0.00 -37071.43 213016.43 332179.42 616239.85 319741.20 497196.55
Decrease in
 FORM V II Method (Computation of maximum permissible Bank Financ
PARTICULARS ESTIMATED PRO
31/03/2025 31/03/2026 31/03/2027
1 Total Current Assets,(6 in Form IV) 1637321.92 2205250.49 2848266.92
2 Current Liabilities (Other than bank 250000.00 320000.00 400000.00
borrowing) (2 to 9 of Form III)

3 Working Capital Gap (WCG)(1-2) 1387321.92 1885250.49 2448266.92

4 Minimum stipulated net working 409330.48 551312.62 712066.73
Capital i.e. 25% of WCG/25% of total
current asset as the case may be
depending upon the method of
lending being applied (Export
receivables to be excluded under
both methods)

5 Actual/projected net working 437321.92 935250.49 1498266.92

capital (46 in Form III)

6 Assessed Bank Finance (3-4) 977991.44 1333937.87 1736200.19

7 Item 3 minus item 5 950000.00 950000.00 950000.00
8 Maximum permissible bank finance 950000.00 950000.00 950000.00
(Item 6 or 7 whichever is Lower)

9 Excess borrowings representing -27991.44 -383937.87 -786200.19

shortfall in NWC(4-5)
missible Bank Finance for Working Capital)
PROJECTED YEARS
31/03/2028 31/03/2029 31/03/2030 31/03/2031
3650446.34 4516686.19 4966427.39 5823623.94
450000.00 470000.00 500000.00 800000.00

3200446.34 4046686.19 4466427.39 5023623.94

912611.58 1129171.55 1241606.85 1455905.98

2250446.34 3096686.19 3516427.39 4073623.94

2287834.76 2917514.64 3224820.54 3567717.96

950000.00 950000.00 950000.00 950000.00
950000.00 950000.00 950000.00 950000.00

-1337834.76 -1967514.64 -2274820.54 -2617717.96

 Figure in Rupees
Particulars of the existing/proposed limits from the banks
Name of bank Financial Nature of Existing Extent to which limits Balance Limits now
Institution Facility Limits were utilized during the o/s as on requested
last 12
months
MINIMUM MAXIMUM
(2) (3) (4) (5) (6) (7) (8)
0.00 0.00 0.00 0.00 475000.00