PROJECT PROFILE OF
Mr. Ganesh Balkrishna Pore
S NO 82, PLOT NO. 32, ROW HOUSE NO. 1, GROUND FLOOR,
CRYSTAL APT. NEAR KAPIL COMPLEX, BANER,
Pune – 411045.
Annexture I
Sources of Funds AMOUNT Rs( Lacks)
1. Cash Credit 50.00
Total .. RS. 50.00
Breakup of Capital Cost
1. Working Capital 50.00
Total .. RS. 50.00
C.C. RATE 10.90%
Annexure III
WORKING CAPITAL REQUIREMENT
A. YEAR 2023-24 2024-25
Current Assets
Debtor 6125457.00 6738003.00
Closing Stock 1562451.00 1718696.10
Cash and Bank 3208887.00 3173728.90
Total A 10896795.00 11630428.00
Current Liabilities
Creditors 1700796.00 1955915.00
Total B 1700796.00 1955915.00
Working Capital (A-B) 9195999.00 9674513.00
Less Margin @ 30% 2758799.70 2902353.90
Permissible Bank Finance 6437199.30 6772159.10
Annexure IV
INTEREST COVERAGE RATIO
YEAR 1st Year 2nd Year
Net Profit 5141924.00 2838967.10
Interset on Loan & CC 521447.00 501243.00
Depreciation 188530.00 160378.00
Total 5851901.00 3500588.10
Interset on Loan & CC 521447.00 501243.00
Total 521447.00 501243.00
Debt Service 11.22 6.98
Coverage Ratio
Max. I C R 6.98
Min. I C R 11.22
Avg. I C R 14.71
The unit has sufficient inflow from the process to meet out the liabillity of the Term Loan Installments and interest
thereon.
Annexture V
PROJECTION OF PROFITABILITY AND REPAYMENT
PROJECTED
A. YEAR 2023-24 2024-25
B. Incomes
Gross Receipt 1,28,56,800.00 1,41,25,547.00
WIP 15,62,451.00 17,18,696.10
Total Income 1,44,19,251.00 1,58,44,243.10
C. Expenses
Opening WIP - 15,62,451.00
Purchases & Labour 71,35,524.00 92,52,233.00
Power & Fuel 72,552.00 79,807.00
Shop Rent 4,20,000.00 4,62,000.00
Salary Expenses 8,94,660.00 9,39,393.00
Shop Expenses 8,845.00 9,730.00
Rep. & Maint. 9,654.00 10,619.00
Stationary Exp 2,415.00 1,352.00
Telephone Exp 5,460.00 6,006.00
Travelling Exp 18,240.00 20,064.00
Depreciation 1,88,530.00 1,60,378.00
Total Expenses 87,55,880.00 1,25,04,033.00
D. Profit before Interest & Tax 56,63,371.00 33,40,210.10
Interset on Loan & CC 5,21,447.00 5,01,243.00
E. Profit after Interest 51,41,924.00 28,38,967.10
F. P A T 51,41,924.00 28,38,967.10
Depreciation Added Back 1,88,530.00 1,60,378.00
G. Net Cash Accruals 53,30,454.00 29,99,345.10
H. Net Profit Ratio 35.66 17.92
#Tax rate as per current financial years rate are considered in calculations.
Annexture VI
BREAK EVEN POINT
Year 2023-24 2024-25
A. Receipts 12856800.00 14125547.00
WIP 1562451.00 1718696.10
B. Variable Cost
Opening Stock 0.00 1562451.00
Purchases 7135524.00 9252233.00
Power & Fuel 72552.00 79807.00
Transportation 420000.00 462000.00
Salary Expenses 894660.00 939393.00
Shop Expenses 8845.00 9730.00
Rep. & Maint. 9654.00 10619.00
Stationary Exp 2415.00 1352.00
Telephone Exp 5460.00 6006.00
Travelling Exp 18240.00 20064.00
Total 8567350.00 12343655.00
C. Contribution 5851901.00 3500588.10
D. Fixed Cost
Interset on Loan & CC 521447.00 501243.00
Depreciation 188530.00 160378.00
Total Fixed Cost 709977.00 661621.00
Total Cash Fixed Cost 521447.00 501243.00
Profit 5141924.00 2838967.10
Break Even Point % 12.13 18.90
Annexture VII
CASH FLOW STATEMENT
2023-24 2024-25
A. SOURCES OF FUNDS
Cash Accruals 5663371.00 3340210.10
Increase in Capital 7572158.00 0.00
Depreciation 188530.00 160378.00
Increase in Term Loan 11824525.00 0.00
Increase in CC Loan 5000000.00 5000000.00
Creditors 1700796.00 255119.00
TOTAL SOURCES (A) 31949380.00 8755707.10
B. APPLICATION OF FUNDS
Increase in Capital Exp. 15421100.00 0.00
Decrease in Term Loan
Decrease in Cash Credit Loan 0.00 5000000.00
Drawings 1541152.00 1695267.20
Investment 0.00 0.00
Stock 1562451.00 156245.10
Interest 521447.00 501243.00
Debtors 6125457.00 612546.00
TOTAL APPLICATION (B) 2,51,71,607.00 7965301.30
C. Opening Balance 22850.00 6800623.00
D. Net Surplus (A-B) 67,77,773.00 790405.80
E. Closing Balance 6800623.00 7591028.80
Annexture VIII
PROJECTED BALANCE SHEETS
2023-24 2024-25
A. LIABILITIES
1. Capital 75,72,158.00 1,11,72,930.00
Add: Profit for current year 51,41,924.00 28,38,967.10
Less : Drawing 15,41,152.00 16,95,267.20
1,11,72,930.00 1,23,16,629.90
2. Loans - -
-
-
BOB-GOLD LOAN 14,01,225.00 12,61,102.50
-
-
HOME LOAN -IOB 68,54,414.00 61,68,972.60
3. Cash Credit Loan 50,00,000.00 50,00,000.00
3. Current Liabilities 17,00,796.00 19,55,915.00
Total Liabilities 2,61,29,365.00 2,67,02,620.00
B. ASSETS
1. Gross Block 1,54,21,100.00 1,52,32,570.00
2. Depreciation 1,88,530.00 1,60,378.00
3. Net Block 1,52,32,570.00 1,50,72,192.00
4. DEPOSIT -
SECURITY DEPOSIT 1,14,455.00 1,14,455.00
FDR WITH BANK 16,54,063.00 16,54,063.00
5. Current Assets
Debtors 61,25,457.00 67,38,003.00
WIP 15,62,451.00 17,18,696.10
Cash and Bank 32,08,887.00 31,73,728.90
Total Assets 2,61,29,365.00 2,67,02,620.00
Current Ratio 6.41 5.95
The excessive cash will be used for built to purchase of some new furniture and equipments
The financial statements of the report has been made on the basis on the generaly accepted accounting policies
and procedure. The facts and the figures are based on the estimation given by the proprietor.
Annexture IX
Calculation Of Depreciation
Asset 10% Asset 15% Asset Total
2023-24 FLAT
1,41,55,760.00 25418.00 1239922.00 1,54,21,100.00
Depreciation 0.00 2542.00 185988.00 188530.00
WDV 1,41,55,760.00 22876.00 1053934.00 1,52,32,570.00
2024-25 FLAT
1,41,55,760.00 22876.00 1053934.00 15209694.00
Depreciation - 2288.00 158090.00 160378.00
WDV 14155760.00 20588.00 895844.00 15051604.00
