Project Financial

[11]
INDOCITY HOMES PRIVATE LIMITED

CHITKOHRA, CHAWAL BAZAAR, P.O.- ANISABAD, P.S.- GARDANIBAGH PATNA BIHAR 800002
SYNOPSYS OF THE PROJECT

Cost of Project
The cost of the project is estimated to be as follows
Land & Building

Plant & Machinery
Name of Machinery
(i) Compressor Machine (5HP)
(ii) Compressor Machine (3HP)
(iii) Carpentor Gun
(iv) Casing Gun
(v) Jukki CI Machine (1.5 HP)
Genset
(vi) Normal Moter Sewing Machine (0.75 HP)
Rs. In Lacs
Total
Amount
Pcs.
Rate
2.80
1.10
0.15
10
0.05
3.40
10.00
0.70
Amount
2.80
1.10
0.60
0.50
3.40
10.00
0.70
Electric Installation
Furniture & Fixture and Office Equipment
Total
Means of Finanace
Sl. Particulars
1
2
3
4
Land & Building

Plant & machinery
Electric Installation
Furniture & Fixture and Office Equipment
Incurred
19.10
1.00
2.00
22.10
19.10
1.00
2.00
Promotors' Margin
%
Amount
100
100
19.10
100
1.00
100
2.00
Total
Bank Loan
Amount
-
22.10
22.10
Cost
###
###
BIHAR 800002
Rs. In Lacs
To be
Incurred
-
19.10
1.00
2.00
22.10
[12]

Calculation of Basis of Revenue and Raw Material Consumption

Project year
Financial Year
I
II
III
IV
V
2016-17 2017-18 2018-19 2019-20 2020-21
Estimated Projected Projected Projected Projected
Installed Capacity (Kg)

Production Capacity
Capacity Utilization
Units Produced
Price/kg
Units Sold (90%)
Revenue( Rs. in Lakhs)
1800000
1800000
20%
360000
60.00
324000
194.40
1800000
1800000
50%
900000
63.00
810000
510.30
1800000
1800000
60%
1080000
66.15
972000
642.98
1800000
1800000
70%
1260000
69.46
1134000
787.65
1800000
1800000
80%
1440000
72.93
1296000
945.18
VI
2021-22
Projected
1800000
1800000
85%
1530000
76.58
1377000
1,054.46
Raw Material Comsumed

(i) Maida (79.37%)
Unit Consumed
Rate /Kg
Amount (Rs. in Lakhs)
300019
20.00
60.00
750047
21.00
157.51
900056
22.05
198.46
1050065
23.15
243.12
1200074
24.31
291.74
1275079
25.53
325.47
59989
40.00
24.00
149972
42.00
62.99
179966
44.10
79.37
209960
46.31
97.22
239954
48.62
116.67
254952
51.05
130.16
6010
60.00
3.61
15026
63.00
9.47
18031
66.15
11.93
21036
69.46
14.61
24041
72.93
17.53
25543
76.58
19.56
6010
60.00
3.61
15026
63.00
9.47
18031
66.15
11.93
21036
69.46
14.61
24041
72.93
17.53
25543
76.58
19.56
6010
80.00
4.81
15026
84.00
12.62
18031
88.20
15.90
21036
92.61
19.48
24041
97.24
23.38
25543
102.10
26.08
189
700.00
1.32
473
735.00
3.48
567
771.75
4.38
662
810.34
5.36
756
850.85
6.43
803
893.40
7.17
378
100.00
0.38
945
105.00
0.99
1134
110.25
1.25
1323
115.76
1.53
1512
121.55
1.84
1607
127.63
2.05
302
200.00
0.60
756
210.00
1.59
907
220.50
2.00
1058
231.53
2.45
1210
243.10
2.94
1285
255.26
3.28
302
200.00
0.60
756
210.00
1.59
907
220.50
2.00
1058
231.53
2.45
1210
243.10
2.94
1285
255.26
3.28
98.93
259.70
327.21
400.84
481.00
536.61
50.89
50.89
50.89
50.89
50.89
(ii) Sugar (15.87%)

Unit Consumed
Rate /Kg
(iii) Dalda (1.59%)

Unit Consumed
Rate /Kg
(iv) Refine (1.59%)

Unit Consumed
Rate /Kg
(v) Yeast (1.59%)

Unit Consumed
Rate /Kg
(vi) Cardamom (0.05%)

Unit Consumed
Rate /Kg
(vii) Fennel (0.10%)

Unit Consumed
Rate /Kg
(viii) Improver (0.08%)

Unit Consumed
Rate /Kg
(ix) Guletin (0.08%)

Unit Consumed
Rate /Kg
Total (i)+(ii)+(iii)+(iv)+(v)+(vi)+(
% of Raw Material Consumed to
Add:-Closing Stock (RM)
Less:- Opening Stock
Purchase
50.89
0.99
2.60
3.27
4.01
4.81
5.37
0.99
2.60
3.27
4.01
4.81
261.30
327.89
401.57
481.80
537.17
99.92
800002
VII
2022-23
Projected
1800000
1800000
85%
1530000
80.41
1377000
1,107.19
1275079
26.80
341.75
254952
53.60
136.66
25543
80.41
20.54
25543
80.41
20.54
25543
107.21
27.38
803
938.07
7.53
1607
134.01
2.15
1285
268.02
3.44
1285
268.02
3.44
563.44
50.89
5.63
5.37
563.71
[13]

PROJECTED BALANCE SHEET

Project year
Financial Year
I
II
III
IV
V
2016-17
2017-18
2018-19
2019-20
2020-21
LIABILITIES
CAPITAL/ ORDINARY/ SHARE CAPITAL
RESERVE AND SURPLUS
TERM LIABILITIES
SHORT TERM BORROWINGS
SUNDRY CREDITORS
OTHER CURRENT LIABILITIES
PROVISION FOR TAXATION
TOTAL
Financial Year
2.00
2.00
2.00
2.00
2.00
16.40
38.18
62.18
90.10
121.54
0.00
0.00
0.00
0.00
0.00
100.00
100.00
100.00
100.00
100.00
22.00
24.00
26.40
29.04
31.94
0.00
0.00
0.00
0.00
0.00
7.33
147.73
9.74
173.92
10.73
201.31
12.48
233.62
14.06
269.54
2016-17
2017-18
2018-19
2019-20
2020-21
Estimated
Projected
Projected
Projected
Projected
ASSETS
FIXED ASSETS
Gross Block
Less: Depreciation
22.10
22.10
22.10
22.10
22.10
4.23
7.64
10.39
12.60
14.39
17.87
14.46
11.71
9.50
7.71
NON CURRENT ASSETS
0.00
0.00
0.00
0.00
0.00
INTANGIBLE ASSETS
0.00
0.00
0.00
0.00
0.00
INVESTMENTS
0.00
10.00
25.00
25.00
40.00
132.00
144.00
158.40
174.24
191.66
10.40
15.25
16.78
18.46
20.30
0.00
0.00
0.00
0.00
0.00
-12.54
-9.79
-10.58
6.43
9.86
147.73
173.92
201.31
233.62
269.54
Net Block
STOCK IN HAND
SUNDRY DEBTORS
OTHER CURRENT ASSETS
CASH IN HAND AND BANK BALANCE
TOTAL
ATNA BIHAR 800002
Amount in Lakhs
VI
VII
2021-22
2022-23
Projected Projected
2.00
2.00
154.40
191.81
0.00
0.00
100.00
100.00
35.14
38.65
0.00
0.00
14.70
306.24
16.73
349.19
2021-22
2022-23
Projected
Projected
22.10
22.10
15.84
17.01
6.26
5.09
0.00
0.00
0.00
0.00
60.00
85.00
210.83
231.91
22.33
24.57
0.00
0.00
6.81
2.62
306.24
349.19
[14]

PROJECTED PROFITABILITY STATEMENT

Project year
Financial Year
I
II
III
IV
V
2016-17 2017-18 2018-19 2019-20 2020-21
Estimate
Projected Projected Projected Projected
d
INCOME
SALES (NET OF RETURN)
520.00
762.67
838.93
922.83
1,015.11
CLOSING STOCK OF FINISHED GOODS
132.00
144.00
158.40
174.24
191.66
Total Rs.
652.00
906.67
997.33
1097.07
1206.77
[A]
EXPENSES
OPENING STOCK OF FINISHED GOODS
132.00
144.00
158.40
174.24
PURCHASE
440.00
480.00
528.00
580.80
638.88
WAGES & SALARY
107.80
140.40
154.08
169.49
186.44
547.80
752.40
826.08
908.69
999.56
104.20
154.27
171.25
188.38
207.22
65.74
105.34
119.78
131.76
145.94
OPERATING PROFIT BEFORE INT.

DEPRECIATION
38.46
48.93
51.47
56.62
61.28
INTEREST ON CC
10.50
14.00
14.00
14.00
14.00
4.23
3.41
2.75
2.22
1.79
23.73
31.52
34.73
40.40
45.49
ADD : NON OPERATING INCOME
LESS : NON OPERATING EXPENSES
23.73
31.52
34.73
40.40
45.49
7.33
9.74
10.73
12.48
14.06
16.40
21.78
24.00
27.92
31.43
Total Rs.
[B]
GROSS PROFIT [C]= [A]-[B]

INDIRECT EXPENSES
DEPRECIATION
OPERATING PROFIT AFTER INT.
DEPRECIATION
PROFIT BEFORE TAX
Less:- TAX @30.9%
RETAINED PROFIT
PATNA BIHAR 800002
Amount in Lakhs
VI
VII
2021-22 2022-23
Projected Projected
1,116.62
1,228.28
210.83
231.91
1327.45
1460.20
191.66
210.83
702.77
773.04
205.08
225.59
1099.51
1209.46
227.94
250.73
164.93
181.42
63.01
69.31
14.00
14.00
1.45
1.17
47.56
54.14
47.56
54.14
14.7
16.73
32.86
37.41
[15]

PROJECTED CASH FLOW STATEMENT

Project year
Financial Year
1 Cash
Add:
Add:
Add:
Less:
4
5
flows from operating activities

Net profit before taxation
Depreciation
Increase in current liabilities
Decrease in current liabilities
Less: Increase in current Assets

Add: Decrease in current Assets
Cash generated from operations
Less: Income tax payable
Net cash from operations
Cash flows from investing activities
Add: Sale of fixed Assets
Less: Purchase of fixed Assets
Less: Purchase of Investment
Add: Change in non current Assets
Add: Change in intengible Assets
Cash from investing activities
Cash flows from financing activities
Add: Issue of capital
Add: Increase in Term Loan
Add: Interest Accured
Add: Increase in Cash Credit
Less: Repayment of Term Loan
Less: Dividend paid
Cash from financing activities
Net Cash Flow during the year
Opening cash and cash equivalents
Closing cash and cash equivalents (1 to 5)
I
II
III
IV
V
2016-17 2017-18 2018-19 2019-20 2020-21
23.73
4.23
22.00
0
31.52
3.41
2.00
0
34.73
2.75
2.40
0
40.40
2.22
2.64
0
45.49
1.79
2.90
0
142.40
0
(92.44)
0.00
-92.44
16.85
0
20.08
7.33
12.75
15.93
0
23.95
9.74
14.21
17.52
0
27.74
10.73
17.01
19.27
0
30.92
12.48
18.44
0
22.10
0
0
(22.10)
10.00
(10.00)
15.00
(15.00)
2.00
0.00
0.00
100.00
0.00
102.00
(12.54)
0
(12.54)
2.75
(12.54)
(9.79)
(0.79)
(9.79)
(10.58)
17.01
(10.58)
6.43
15.00
(15.00)
3.44
6.43
9.86
HAR 800002
Amount in Lakhs
VI
VII
2021-22 2022-23
Projected Projected
47.56
1.45
3.19
0
54.14
1.17
3.51
0
21.20
0
31.01
14.06
16.95
23.32
0
35.51
14.70
20.81
20.00
(20.00)
25.00
(25.00)
(3.05)
9.86
6.81
(4.19)
6.81
2.62

PROJECTED BALANCE SHEET

Project year
Financial Year
Current Liabilites
Short-Term borrowings from banks (including
1 bills purchased Discount & excess borrowings
placed
on
repayment
(i.)
From
applicantbasis)
bank
(ii.)
From other banks
(iii.)
(Of which BP & BD)
Sub-Total(A)
2 Short-term borrowing from others
3 Sundry creditors (trade)
4
Advance payments from customers/deposits

from dealers
5
6
7
8
9
Provision for taxation

Dividend payable
Other statutory liabilities
(due within one year)
Deposits/Instalments
of term
loans/DPGs/debentures,etc. (due within one
Other
year) current liabilites & provisions (Due within
1 year)(Specify major items)
Sub-Total(B)
10 Total current Liabilites(Total 1 To 9)
Term Liabilites
11
12
13
14
15
16
17
18
19
Net worth
20
21
22
23
24
25
Debentures(not maturing within one Year

Preference Shares (redeemable after one year)
Term loans
Deferred Payment Credits
Terms deposits (repayment after 1 year)
From Directors & relatives
Other terms liabilities
Total terms liabilities(Add 11 to 17)
Total Outside Liabilites(10+18)
Ordinary share capital
General reserve
Revaluation Reserve
Other reserves(excluding provision)
Surplus (+) or deficit (-) in profit and Loss
account
Net Worth
26 Total Liabilities (19+25)

Current Assets
27 Cash and bank balances
28 Investment(other than long-term investments
(i.)
Government & other Trust securities
(ii.)
Fixed deposits with banks
29
30
(i.)
Receivables other than deferred and

exports(including bills purchased &
discounted by banks)
(ii.)
Export receivables (including bills

purchased/ discounted by banks)
Instalments of deferred receivables (due within

one year)
I
2016-17
Estimated
100.00
0
0
100
0
22.00
II
2017-18
Projected
100.00
0
0
100
0
24.00
III
2018-19
Projected
100.00
0
0
100
0
26.40
IV
2019-20
Projected
100.00
0
0
100
0
29.04
V
2020-21
Projected
100.00
0
0
100
0
31.94
Amount in Lakhs
VI
VII
2021-22
2022-23
Projected Projected
100.00
0
0
100
0
35.14
100.00
0
0
100
0
38.65
7.33
0
0
0
0
29.33
129.33
9.74
0
0
0
0
33.74
133.74
10.73
0
0
0
0
37.13
137.13
12.48
0
0
0
0
41.52
141.52
14.06
0
0
0
0
46.00
146.00
14.70
0
0
0
0
49.84
149.84
16.73
0
0
0
0
55.38
155.38
0
0
0.00
0
0
0.00
0
0
0
0.00
0
0
0
0.00
0
0
0
0.00
0
0
0
0.00
0
0
0
0.00
0
129.33
133.74
137.13
141.52
146.00
149.84
155.38
2.00
0
2.00
0
2.00
0
2.00
0
2.00
0
2.00
0
2.00
0
16.40
18.40
38.18
40.18
62.18
64.18
90.10
92.10
121.54
123.54
154.40
156.40
191.81
193.81
147.73
173.92
201.31
233.62
269.54
306.24
349.19
-12.54
-9.79
-10.58
6.43
9.86
6.81
2.62
0
0.00
0
10.00
0
25.00
0
25.00
0
40.00
0
60.00
0
85.00
10.40
15.25
16.78
18.46
20.30
22.33
24.57
0
0.00
0
132.00
0
0.00
0
144.00
0
0.00
0
158.40
0
0.00
0
174.24
0
0.00
0
191.66
0
0.00
0
210.83
0
0.00
0
231.91
0
0
0
0
0.00
129.86
0
0
0
0
0.00
159.46
0
0
0
0
0.00
189.60
0
0
0
0
0.00
224.13
0
0
0
0
0.00
261.83
0
0
0
0
0.00
299.98
0
0
0
0
0.00
344.10
22.10
4.23
17.87
22.10
7.64
14.46
22.10
10.39
11.71
22.10
12.60
9.50
22.10
14.39
7.71
22.10
15.84
6.26
22.10
17.01
5.09
31 Inventory
(i.)
(ii.)
(iii.)
(iv.)
Raw material(including stores and other

items used in the process manufacture)
Imported
Indigenous
Stock-in process
Finished goods
Other consumable spares
Imported
Indigenous
Advance to suppliers of raw material
32
stores/spares
33 Advances payment of taxes
34 Other current assets (specify major items)
35 Total Current Assets(add 27 To 34)
Fixed Assets
Gross Block (land & bulding,
36
machinery,Cap.work-in-progress)
37 Depreciation to date
38 Net Block(36-37)
Other Non-Current Assets
Investments/book debts/advances/ deposits
39
which are not Current Assets
(i.)
Investments in subsidiary
companies/affiliates
Others
40
41
42
43
(ii.)
Advances to suppliers of capital goods

& contractors
(iii.)
Deferred receivables (maturity

exceeding one year)
(iv.)
Other
Obsolete stock
Other non-current assets including dues from
directors
Total other non-current Assets (Total of 39 To
Intangible
assets (patents,goodwill, preliminary
41)
expenses, bad/ doubtful debts not provided for,
etc.
44 Total Assets (35+38+42+43)
45 Tangible Net worth(25-43)

Net Working Capital [(18+25) -(38+42+43)]
46
Tally With
Net Working Capital (35-10)
47 Current Ratio (Items 35/10)
Total Outside Liabilities/ Tangible Net
48
worth(19/45)
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
147.73
173.92
201.31
233.62
269.54
306.24
349.19
18.40
0.53
0.53
1.00
7.03
40.18
25.72
25.72
1.19
3.33
64.18
52.47
52.47
1.38
2.14
92.10
82.61
82.61
1.58
1.54
123.54
115.83
115.83
1.79
1.18
156.40
150.14
150.14
2.00
0.96
193.81
188.72
188.72
2.21
0.80

ANALYSIS OF CURRENT ASSETS & CURRENT LIABILITIES
Amount in Lakhs
Project year
Financial Year
A.
Current Assets
Raw Material (including stores and other items used in the process of
1
manufacture)
(a.)
Imported
(Months' consumption:)
(b.)
Indeginous
2 Other consumable spares, excluding those included in 1 above.
(a.)
Imported
(b.)
Indeginous
3 Stock-in-Process.
(Months' cost of Sales:)
4 Finished Goods
(Months' cost of Sales:)
5
Receivables other than export and deferred receivables (including bills

purchased & discounted by bankers
(Months' domestic sales:)

6 Export receivables (including bills purchased & discounted)
(Months' export sales:)
7 Advance to suppliers of raw materials and stores / spares, consumables
8
9
B.
Other current assets including cash and bank balances & deferred
receivables due within one year (specify major items)
Total current Assets (To agree with item 35 in Form

III)
Current Liabilities (Other than bank borrowing for working capital)

10 Creditors for purchase of raw materials, stores & consumable spares
(Months' purchases:)
11 Advances from customers/ deposits from trader
12 Statutory liabilities
13 Other current liabilities (Specify major items)
Short-term borrowing, unsecured loans, dividend payable,
instalments of TL. DPG, Public deposits,debentures, etc.
14 Total
(To agree with sub-total B- Form III)
I
2016-17
Estimated
II
2017-18
Projected
III
2018-19
Projected
IV
2019-20
Projected
V
2020-21
Projected
132.00
144.00
158.40
174.24
191.66
3.81
2.84
2.85
2.85
2.85
10.40
15.25
16.78
18.46
20.30
0.24
-
0.24
-
0.24
-
0.24
-
0.24
-
(12.54)
0.21
14.42
31.43
49.86
129.86
159.46
189.60
224.13
261.83
22.00
0.60
7.33
24.00
0.60
9.74
26.40
0.60
10.73
29.04
0.60
12.48
31.94
0.60
14.06
100.00
100.00
100.00
100.00
100.00
129.33
133.74
137.13
141.52
146.00
800002
Amount in Lakhs
VI
VII
2021-22
2022-23
Projected Projected
210.83
231.91
2.85
2.85
22.33
24.57
0.24
-
0.24
-
66.81
87.62
299.98
344.10
35.14
0.60
14.70
38.65
0.60
16.73
100.00
100.00
149.84
155.38

Method of Lending
Project year
Financial Year
I
2016-17
Estimated
1 Total Current Assets,(9 in Form IV)

2
129.86
159.46
189.60
224.13
261.83
299.98
29.33
33.74
37.13
41.52
46.00
49.84
55.38
100.53
125.72
152.47
182.61
215.83
250.14
288.72
25.13
31.43
38.12
45.65
53.96
62.53
72.18
0.53
75.40
100.00
25.72
94.29
100.00
52.47
114.35
100.00
82.61
136.95
100.00
115.83
161.87
100.00
150.14
187.60
100.00
188.72
216.54
100.00
75.40
94.29
100.00
100.00
100.00
100.00
100.00
24.60
5.71
(14.35)
(36.95)
(61.87)
(87.60)
(116.54)
Current Liabilities (Other than bank borrowing) (2 to 9 of

Form III)
3 Working Capital Gap (WCG)(1-2)

Minimum stipulated net 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 capital (46 in Form III)

6 Assessed Bank Finance (3-4)
7 Item 3 minus item 5
8
Amount in Lakhs
II
III
IV
V
VI
VII
2017-18
2018-19
2019-20
2020-21
2021-22
2022-23
Projected Projected Projected Projected Projected Projected
Maximum permissible bank finance (Item 6 or 7

whichever is Lower)
9 Excess borrowings representing shortfall in NWC(4-5)
344.10

COMPUTATION OF MAXIMUM PREMISSIBLE BANK FINANCE FOR WORKING CAPITAL AS PER NAYAK COMMITTEE
Amount in Lakhs
Project year
I
II
III
IV
V
VI
VII
Financial Year
2016-17
2017-18
2018-19
2019-20
2020-21
2021-22
2022-23
Projected Projected Projected Projected Projected Projected
Estimated
1 Total Current Assets
2
3
4
5
6
7
8
9
10
Current Liabilities (Other than bank borrowing)

(2 to 9 of Form III)
Working Capital Gap
Working Capital Cycle (in months)
Liquid Surplus
Projected turnover
% of liquid surplus to projected turnover
Permissible Bank Finance
Margin Money
Ratio of Margin money to bank finance
[ 1:4 ]
129.86
159.46
189.60
224.13
261.83
299.98
29.33
33.74
37.13
41.52
46.00
49.84
100.53
-0.5
517.13
668.2
77.39
133.64
33.41
125.72
-0.47
986.51
818.92
120.46
163.78
40.95
[ 1:4 ]
152.47
-0.46
1575.58
1002.37
157.19
200.47
50.12
[ 1:4 ]
[ 1:4
182.61
-0.46
2302.92
1225.76
187.88
245.15
61.29
]
[ 1:4
215.83
-0.46
3206.88
1501.79
213.54
300.36
75.09
]
[ 1:4
250.14
-0.46
4327.05
1840.11
235.15
368.02
92.01
]
[ 1:4
344.10
55.38
288.72
-0.46
5711.58
2251.53
253.68
450.31
112.58
]

FUND FLOW STATEMENT
Amount in Lakhs
I
II
III
IV
V
VI
2016-17 2017-18 2018-19 2019-20 2020-21 2021-22
Estimate
Projected Projected Projected Projected Projected
d
Project year
Financial Year
1 Sources
(a.)
Net profit (After tax)
(b.)
Depreciation
(c.)
Increase in capital
Increase in Term Liabilities
(d.)
(Including Public deposits)
(e.)
Decrease in
(i.)
Fixed Assets
(f.)
(g.)
2 Uses
(a.)
(b.)
(c.)
16.40
4.23
2.00
(ii.)
Other non-current assets
Other
Total
Net loss
Decrease in term Liabilities
public deposits)
(Including
Increase in:
(i.)
Fixed Assets
(ii.)
Other non-current assets
Dividend payments
Others
(f.)
Total
Long-term Surplus (+)/Deficit (-)(1-2) *

(as per details given below)
Increase/decrease in current assets *

(as per details given below)
Increase/decrease in current liabilities

other than Bank borrowings
6 Increase/decrease in working capital gap

Net surplus (+)/deficit (-)
7
of 3 & 6)
(Difference
8 Increase/decrease in:
(i.)
Bank borrowing
(ii.)
Net Sales
*Break-up of (4)
(i.)
Increase/Decrease in:
(a.)
Raw Materials
(b.)
Stocks-in-Process
(c.)
Finished Goods
(ii.)
Increase/Decrease in Receivables:
(a.)
Exports
(b.)
Domestic
(iii.)
Increase/Decrease in stores Spares
(iv.)
Increase/Decrease in other current assets
27.92
2.22
-
31.43
1.79
-
32.86
1.45
-
22.63
25.19
26.74
30.14
33.22
34.31
22.10
24.00
2.75
-
22.10
(d.)
(e.)
21.78
3.41
-
0.53
25.19
26.74
30.14
33.22
34.31
142.40
26.85
30.93
17.52
34.27
41.20
29.33
4.41
3.39
4.39
4.48
3.83
113.07
22.44
27.54
13.13
29.79
37.36
(0.79)
17.01
3.44
(112.54)
-
2.75
-
(3.05)
-
100.00
520.00
762.67
838.93
922.83
1,015.11
1,116.62
132.00
10.40
-
12.00
4.85
10.00
14.40
1.53
15.00
15.84
1.68
-
17.42
1.85
15.00
19.17
2.03
20.00
HAR 800002
Amount in Lakhs
VII
2022-23
Projected
37.41
1.17
38.58
-
38.58
48.32
5.54
42.77
(4.19)
1,228.28
21.08
2.23
25.00
[16]

Depreciation as per Company Act.
[ Rs. In lacs ]
YEAR
PARTICUALRS :
lo
ck
B
ss
Plant &
Equipment Machinery
25.89%
18.10%
Total
Fixture
25.89%
Addtion for the year
1.00
19.10
2.00#
22.10
Closing Balance
1.00
19.10
2.00#
22.10
###
Dep. for the year
0.26
3.46
0.52
Closing Balance
0.26
3.46
0.52
4.23
Closing Balance
0.74
15.64
1.48
17.87
Opening Balance
1.00
19.10
2.00#
22.10
Closing Balance
1.00
19.10
2.00#
22.10
###
-
-#
D
ep
re
ci
at
io
n
lo
Opening Balance
###
Furniture &
Opening Balance
ck
G
ro
4.87%
Electric
lo
ck
Rate of Depreciation
2016-17
Land &
Building
Net Block
G
ro
ss
lo
ck
2017-18
0.26
3.46
0.52#
4.23
Dep. for the year
0.19
2.83
0.38#
3.41
Closing Balance
0.45
6.29
0.90#
7.64
Closing Balance
0.55
12.81
1.10#
14.46
Opening Balance
1.00
19.10
2.00#
22.10
Closing Balance
1.00
19.10
0.45
6.29
0.90
Dep. for the year
0.14
2.32
0.28#
2.75
Closing Balance
0.59
8.61
1.19#
10.39
Closing Balance
0.41
10.49
0.81#
11.71
Opening Balance
1.00
19.10
2.00#
22.10
Closing Balance
1.00
19.10
0.59
Dep. for the year
Closing Balance
Closing Balance
D
e
pr
ec
ia
ti
o
Opening Balance
4.23
Net Block
B
lo
ck
G
ro
ss
B
lo
ck
2018-19
D
ep
re
ci
at
io
n
Opening Balance
Net Block
-#
2.00#
-#
22.10
7.64
2.00#
22.10
8.61
1.19
10.39
0.11
1.90
0.21#
2.22
0.70
10.51
1.40#
12.60
0.30
8.59
0.60#
9.50
Opening Balance
1.00
19.10
2.00#
22.10
Closing Balance
1.00
19.10
2.00#
22.10
1.40
12.60
ck
G
ro
ss
lo
ck
2019-20
D
ep
re
c
ia
ti
on
lo
Opening Balance
Net Block
B
lo
ck
G
ro
ss
B
lo
ck
2020-21
D
ep
re
ci
at
Net Block
0.70
10.51
0.08
1.56
0.16#
1.79
Closing Balance
0.78
12.06
1.55#
14.39
Closing Balance
0.22
7.04
0.45#
7.71
Opening Balance
1.00
19.10
2.00#
22.10
Closing Balance
1.00
19.10
2.00#
22.10
0.78
12.06
1.55
14.39
Dep. for the year
0.06
1.27
0.12#
1.45
Closing Balance
0.83
13.34
1.67#
15.84
Closing Balance
0.17
5.76
0.33#
6.26
Opening Balance
1.00
19.10
2.00#
22.10
Closing Balance
1.00
19.10
2.00#
22.10
0.83
13.34
1.67
15.84
Dep. for the year
0.04
1.04
0.09#
1.17
Closing Balance
0.88
14.38
1.75#
17.01
Closing Balance
0.12
4.72
0.25#
5.09
ck
G
ro
ss
lo
ck
2021-22
-#
Dep. for the year
io
n
Opening Balance
-#
D
ep
re
ci
at
io
n
lo
Opening Balance
Net Block
B
lo
ck
G
ro
ss
lo
ck
2022-23
D
ep
re
ci
at
io
n
Opening Balance
Net Block
-#
[16]
CHITKOHRA, CHAWAL BAZAAR, P.O.- ANISABAD, P.S.- GARDANIBAGH PATNA BIHAR

800002
Depreciation as per Income Tax Act.
[ Rs. In lacs ]
YEAR
2016-17
PARTICUALRS :
Land &
Building
Rate of Depreciation
5%
Opening Balance
2017-18
Depreciation
Opening Balance
2018-19
Depreciation
Opening Balance
2019-20
Depreciation
Opening Balance
2020-21
Depreciation
Opening Balance
2021-22
Depreciation
Opening Balance
2022-23
Depreciation
Opening Balance
Depreciation
Opening Balance
Electric
Plant &
Furniture &
Equipment Machinery
Fixture
10%
15%
10%
1.00
1.00
0.10
0.90
0.90
0.09
0.81
###
19.10
19.10
2.87
16.24
###
16.24
2.44
13.80
###
2.00#
2.00#
0.20#
1.80#
###
1.80#
0.18#
1.62#
0.81
0.12
0.69
13.80
2.07
11.73
1.62#
0.16#
1.46#
0.69
0.10
0.59
11.73
1.76
9.97
1.46#
0.15#
1.31#
0.59
0.09
0.50
9.97
1.50
8.47
1.31#
0.13#
1.18#
0.50
0.08
0.42
8.47
1.27
7.20
1.18#
0.12#
1.06#
0.42
0.06
0.36
7.20
1.08
6.12
1.06#
0.11#
0.95#
ED
IBAGH PATNA BIHAR
[ Rs. In lacs ]
Total
22.10
22.10
3.17
18.94
18.94
2.71
16.23
16.23
2.35
13.88
13.88
2.01
11.87
11.87
1.72
10.15
10.15
1.47
8.68
8.68
1.25
7.43
MEDI PARK HOSPITAL PRIVATE LIMITED

PLOT NO 44, PATLIPUTRA COLONEY, PATNA-800001, BIHAR
[17]
BALAJI ENTERPRISES
FINANCIAL RATIOS - DSCR
Project year
Financial Year
A.
B.
I
II
III
IV
V
2016-17
2017-18
2018-19
2019-20
2020-21
Funds available for Debt-Coverage

(i)
Net Profit after tax
(ii)
Depreciation
(iii)
Interest on Term Loan
(iv)
Total (i)+(ii)+(iii)
16.40
21.78
24.00
27.92
31.43
4.23
3.41
2.75
2.22
1.79
10.50
14.00
14.00
14.00
14.00
31.13
39.19
40.74
44.14
47.22
0.00
0.00
0.00
0.00
0.00
Debts to be serviced
(i)
Repayment of Term Loan
(ii)
Interest on Term Loan
(iii)
Total (i)+(ii)
(a)
DEBTS SERVICE COVERAGE RATIO

A(iv)/B(iii)
10.50
14.00
14.00
14.00
14.00
10.50
14.00
14.00
14.00
14.00
2.80
2.91
3.15
3.37
Average DSCR
2.78
Maximum
3.76
Minimum
2.80
Amount in Lakhs
VI
VII
2021-22
2022-23
Projected Projected
32.86
37.41
1.45
1.17
14.00
14.00
48.31
52.58
0.00
0.00
14.00
14.00
14.00
14.00
3.45
3.76
[18]

FINANCIAL RATIO
Project year
Financial Year
1 General Parameter
(i)
Growth In Net Sale
(ii)
Growth In Net Profit
(iii)
Growth In Net Worth
(iv)
Export Sales/Total Sales
(v)
Domestic Sales/Total Sales
2 Liquidity Ratio
(i)
Current Ratio
(ii)
Quick Ratio
3 Turnover Ratio
(i)
Stock Turnover Ratio:(a)
Raw Material
(b)
Work in Process
(c)
Finished Goods/ Traded Goods
(ii)
Debtor Turnover Ratio
(iii)
Average Collection Period
(iv)
Creditors Turnover Ratio
(v)
Average Payment Period
(vi)
Fixed Assets Turnover Ratio
(vii)
Total Assets Turnover Ratio
4 Solvency Ratio
(i)
Debt-Equity Ratio
(ii)
Total Outside Liability/Total Net Worth
(iii)
Term Loan/Cash Profit
(iv)
Term Loan Interest/Term Borrowing
(v)
WC Interest/WC Borrowing
5 Coverage Ratio
(i)
Interest Coverage Ratio
6 Profitability Ratio
(i)
Gross Profit Ratio
(ii)
Operating Profit Ratio
(iii)
Net Profit Ratio
(iv)
Return On Capital Employed
(v)
Return On Net Worth
(vi)
Retention Ratio
(vii)
Payout Ratio
7 Funding of Current Assets
(i)
Bank Borrowing
(ii)
Trade Creditors
(iii)
Net Wroking Capital
(iv)
Other Current Liability
(v)
Toatal Current Assets
I
II
III
IV
V
2016-17 2017-18 2018-19 2019-20 2020-21
Estimate
d
100.00
46.67
32.83
118.39
100.00
10.00
10.16
59.72
100.00
10.00
16.37
43.51
100.00
10.00
12.56
34.13
100.00
1.19
0.12
1.38
0.23
1.58
0.35
1.79
0.48
3.94
20.00
15.00
29.11
3.52
5.30
20.00
15.00
52.75
4.39
5.30
20.00
15.00
71.62
4.17
5.30
20.00
15.00
97.16
3.95
5.30
20.00
15.00
131.68
3.77
7.03
0.11
3.33
0.14
2.14
0.14
1.54
0.14
1.18
0.14
3.26
3.25
3.48
3.89
4.25
20.04
7.40
3.15
28.91
186.03
100.00
-
20.23
6.42
2.86
32.47
113.29
100.00
-
20.41
6.14
2.86
29.68
75.92
100.00
-
20.41
6.14
3.03
28.32
59.07
100.00
-
20.41
6.04
3.10
26.61
48.16
100.00
-
100.00
22.00
0.53
7.33
129.86
100.00
24.00
25.72
9.74
159.46
100.00
26.40
52.47
10.73
189.60
100.00
29.04
82.61
12.48
224.13
100.00
31.94
115.83
14.06
261.83
1.00
(0.02)
BIHAR 800002
Amount in Lakhs
VI
VII
2021-22 2022-23
Projected Projected
10.00
4.56
26.60
100.00
10.00
13.83
23.92
100.00
2.00
0.59
2.21
0.72
5.30
20.00
15.00
178.34
3.65
5.30
20.00
15.00
241.35
3.52
0.96
0.14
0.80
0.14
4.40
4.87
20.41
5.64
2.94
24.01
39.36
100.00
-
20.41
5.64
3.05
23.19
35.16
100.00
-
100.00
35.14
150.14
14.70
299.98
100.00
38.65
188.72
16.73
344.10
[19]

YEAR
0
1
2
3
4
5
6
7
INTERNAL RATE OF RETURN

-22.10
38.46
48.93
51.47
56.62
61.28
63.01
69.31
IRR=
Err:523 %
[20]

BREAK EVEN ANALYSIS
Project year
Financial Year
A.
B.
Sales
Variable Cost
1
Total Cost of Goods sold- Fixed Direct

Expenses
2 Other Variable Expenses

3 Total of B
I
II
III
IV
V
2016-17 2017-18 2018-19 2019-20 2020-21
Estimate
d
520.00
762.67
838.93
922.83
1,015.11
415.80
608.40
667.68
734.45
807.89
39.44
63.20
71.87
79.06
87.56
455.24
671.60
739.55
813.50
895.45
C.
Contribution(A-B)
64.76
91.07
99.38
109.32
119.66
D.
P/V Ratio
12.45
11.94
11.85
11.85
11.79
E.
Break Even Sales(In Value)
329.45
498.66
545.80
581.77
629.18
ATNA BIHAR 800002

Amount in Lakhs
VI
VII
2021-22 2022-23
Projected Projected
1,116.62
1,228.28
888.68
977.55
98.96
108.85
987.64
1086.40
128.98
141.88
11.55
11.55
704.85
759.58
[21]
INTEREST, TERM LOAN AND REPAYMENT

YEAR
OP BALANCE LOAN TAKEN
RATE OF
INTEREST
INTEREST
REPAYMENT
CL BALANCE
TOTAL
INTEREST
YEAR-1 M-4
2016-17 M-5
M-6
M-7
0.00
0.00
13.5%
13.5%
0.00
0.00
0.00
0.00
0.00
0.00
M-8
M-9
M-10
0.00
0.00
0.00
13.5%
13.5%
13.5%
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
M-11
M-12
M-1
M-2
M-3
0.00
0.00
0.00
0.00
0.00
13.5%
13.5%
13.5%
13.5%
13.5%
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
YEAR-2 M-4
2017-18 M-5
M-6
M-7
M-8
M-9
M-10
M-11
M-12
M-1
M-2
M-3
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
13.5%
13.5%
13.5%
13.5%
13.5%
13.5%
13.5%
13.5%
13.5%
13.5%
13.5%
13.5%
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
YEAR-3 M-4
2018-19 M-5
0.00
0.00
13.5%
13.5%
0.00
0.00
0.00
0.00
0.00
0.00
M-6
M-7
0.00
0.00
13.5%
13.5%
0.00
0.00
0.00
0.00
0.00
0.00
M-8
M-9
M-10
0.00
0.00
0.00
13.5%
13.5%
13.5%
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
M-11
M-12
0.00
0.00
13.5%
13.5%
0.00
0.00
0.00
0.00
0.00
0.00
M-1
M-2
M-3
0.00
0.00
0.00
13.5%
13.5%
13.5%
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
YEAR-4
M-4
0.00
13.5%
0.00
0.00
0.00
2019-20 M-5
M-6
M-7
0.00
0.00
0.00
13.5%
13.5%
13.5%
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
M-8
M-9
0.00
0.00
13.5%
13.5%
0.00
0.00
0.00
0.00
0.00
0.00
M-10
M-11
M-12
0.00
0.00
0.00
13.5%
13.5%
13.5%
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
M-1
M-2
0.00
0.00
13.5%
13.5%
0.00
0.00
0.00
0.00
0.00
0.00
M-3
0.00
13.5%
0.00
0.00
0.00
YEAR-5 M-4
2020-21 M-5
M-6
M-7
M-8
0.00
0.00
0.00
0.00
0.00
13.5%
13.5%
13.5%
13.5%
13.5%
0.00
0.00
0.00
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-9
M-10
M-11
M-12
M-1
M-2
M-3
0.00
0.00
0.00
0.00
0.00
0.00
0.00
13.5%
13.5%
13.5%
13.5%
13.5%
13.5%
13.5%
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
YEAR-6 M-4
2021-22 M-5
M-6
M-7
M-8
M-9
M-10
M-11
M-12
M-1
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
13.5%
13.5%
13.5%
13.5%
13.5%
13.5%
13.5%
13.5%
13.5%
13.5%
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
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-2
M-3
0.00
0.00
13.5%
13.5%
0.00
0.00
0.00
0.00
0.00
0.00
YEAR-7 M-4
2022-23 M-5
M-6
M-7
0.00
0.00
0.00
0.00
13.5%
13.5%
13.5%
13.5%
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-8
M-9
M-10
0.00
0.00
0.00
13.5%
13.5%
13.5%
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
M-11
M-12
0.00
0.00
13.5%
13.5%
0.00
0.00
0.00
0.00
0.00
0.00
M-1
M-2
M-3
0.00
0.00
0.00
13.5%
13.5%
13.5%
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Note:- 1). Interest during the cunstruction Period will be capitlized

2). Repayment of Term Loan will includes Interest Amount
Repayment
0.00
0.00
0.00
0.00
0.00
0.00
AR 800002
Rs. in lacs
TOTAL
REPAYMENT
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Project Financial

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[11]

INDOCITY HOMES PRIVATE LIMITED

SYNOPSYS OF THE PROJECT

Land & Building

Land & Building

INDOCITY HOMES PRIVATE LIMITED

Calculation of Basis of Revenue and Raw Material Consumption

Installed Capacity (Kg)

Raw Material Comsumed

(ii) Sugar (15.87%)

(iii) Dalda (1.59%)

(iv) Refine (1.59%)

(v) Yeast (1.59%)

(vi) Cardamom (0.05%)

(vii) Fennel (0.10%)

(viii) Improver (0.08%)

(ix) Guletin (0.08%)

INDOCITY HOMES PRIVATE LIMITED

PROJECTED BALANCE SHEET

NON CURRENT ASSETS

ATNA BIHAR 800002

INDOCITY HOMES PRIVATE LIMITED

PROJECTED PROFITABILITY STATEMENT

CLOSING STOCK OF FINISHED GOODS

WAGES & SALARY

OPERATING PROFIT BEFORE INT.

ADD : NON OPERATING INCOME

LESS : NON OPERATING EXPENSES

GROSS PROFIT [C]= [A]-[B]

PROFIT BEFORE TAX

Less:- TAX @30.9%

PATNA BIHAR 800002

INDOCITY HOMES PRIVATE LIMITED

PROJECTED CASH FLOW STATEMENT

flows from operating activities

Less: Increase in current Assets

INDOCITY HOMES PRIVATE LIMITED

PROJECTED BALANCE SHEET

Advance payments from customers/deposits

Provision for taxation

Debentures(not maturing within one Year

26 Total Liabilities (19+25)

Receivables other than deferred and

Export receivables (including bills

Instalments of deferred receivables (due within

Raw material(including stores and other

Advances to suppliers of capital goods

Deferred receivables (maturity

44 Total Assets (35+38+42+43)

45 Tangible Net worth(25-43)

INDOCITY HOMES PRIVATE LIMITED

ANALYSIS OF CURRENT ASSETS & CURRENT LIABILITIES

Receivables other than export and deferred receivables (including bills

(Months' domestic sales:)

Total current Assets (To agree with item 35 in Form

Current Liabilities (Other than bank borrowing for working capital)

INDOCITY HOMES PRIVATE LIMITED

1 Total Current Assets,(9 in Form IV)

Current Liabilities (Other than bank borrowing) (2 to 9 of

3 Working Capital Gap (WCG)(1-2)

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

Maximum permissible bank finance (Item 6 or 7

9 Excess borrowings representing shortfall in NWC(4-5)

INDOCITY HOMES PRIVATE LIMITED