ASSUMPTION

Particular

1
2
3
4
5
6

Basis

Repairs & maintainance

Municipality Taxes
Tax Provison
Interest on capital
Int. on drawings
Interest On Loan

Machinery
Land & Building
PBT
Capital
Drawings
Loan

Debtors
other extra income drs
Creditors of electricity & gas
creditors of water
Deferred Salary
Deferred OverHead
Total no of working days in a year

No of months
No of months
No of months
No of months
No of months
No of months
No of months

1st Year

2nd Year

0.5%
3%
30%
9%
6%
12%

3rd Year

4th Year

5th Year

0.5%
3%
30%
9%
6%
12%

5.5%
3%
30%
9%
6%
12%

5.5%
3%
30%
9%
6%
12%

10.5%
3%
30%
9%
6%
12%

Year 2
135
2

Year 3
135
2

Year 4
135
2

Year 5
135
2

6
1
2
12
1
1
12

No of Months
Girl's Hostel
Hostel fee(Yearly)

12
80000

Installed Capacity (Girls' Hostel )

No of rooms
No of girl's per Room

Year 1
135
2

TOTAL no of girls
Utilisation factor
TOTAL no of girls in a year

2 Revenue
Income from renting kitchen-cum-canteen space & facility
Income from renting Gym facitilty
Income from renting Cyber caf facility
Comission towards travel agent
Income from zerox, stationery & fax

Revenue from Fees

Other Revenue
Total

270
80%
216

270
96%
259

50000
35000
10500
16500
15000
127000

1524000

17280000
0
17280000

Building Structure
No. of Room per floor
Room Size
Total space for rooms
40% addl. Space for staires
Total space for rooms

270
2
135
1+2 Building
15 x 20

270
100%
270

270
100%
270

20736000 21600000 21600000 21600000

0 1524000 1828800 2194560
20736000 23124000 23428800 23794560

Expenditure
AREA
No. of Girls Student
No. of Girls per Room
No. of Room Required

270
100%
270

50
300 Sq. ft
15000 Sq. ft
6000
21000 Sq.ft

Space for future expansion

Additional Space

21000 Sq.ft
1000 Sq.ft

Total Area Required

43000 Sq.ft

FURNITURE & Equipment

Furniture & Equipment Cost

30% of total construction cost

Salary Model

Increase in %

salary to warden
Saray to Room Lady Assistance
salary to desk manager
salary to gardner
Outsource
Security
Hourse Keeping
Total Salary

Repirs & Maintenance

Repirs & Maintenance
Increase from 3rd year

% of Gross Block

Marketing
Marketing

% of Revenue

Utility Cost
Expenses
Electricity Cost

Year 1

Year 2

Year 3

Year 4

Year 5

5%
2%
2%
1%

300000
192000
96000
48000

315000
195840
97920
48480

330750
199757
99878
48965

347288
203752
101876
49454

364652
207827
103913
49949

5%
3%

120000
180000
936000

126000
185400
968640

132300
190962
1002612

138915
196691
1037976

145861
202592
1074794

0.5%
5%

95550

95550

100328

100566

100578

3%
518400

2%
414720

1%
216000

0%
0

0%
0

Year 1

Year 2

Year 3

Year 4

840000

924000

1016400

1118040

Basis

% of increase
70000

10%

Gas
Water

10000
1000

Mkting Exp Written off

Mkting Exp Written off

Years

Preliminary Exp Written off

Preliminary Exp Written off

Years

5%

120000
12000

126000
12000

132300
12000

138915
12000

100000

100000

100000

100000

36200

36200

36200

36200

MT
Year 5
1229844

145861
12000

100000

36200

LAND COST
S.No.

Description of land

Land at Village sanand, ahmedabad

Area in
sq.meters
4500

Total

Rs
(per sq.meter)
4500
.

Amount
(In Rs.)
20250000
20250000

BUILDING COST
S.No.

Description of land

Area in
sq.meters

Rs
Amount
(per sq.meter)
(In Rs.)

14700000

Total

PLANT & MACHINERY

S.No.

Particulars

Quantity

Total Cost
(In Rs.)

Furniture & Equipment Cost

Construction Cost
Rate Per Sq. ft.
Furniture cost (50% of construction Cost )

Total

14700000
30%
4410000

4410000

OFFICE EQUIPMENTS
S.No.

Description

A.C.

Unit

Rate

130

1950000

1950000

Total

PRILIMINARY EXPENSES
Priliminary Expenses

Amount
(In Rs.)
Legal Expenses
50000
Consultancy Fees
15000
Advocate Fees and Consolution for Purchaging Land35000
Establishment Expenses/Set Up Cost:
GEB Registration Fees
45000
Administrative Expences
36000
Total

15000

Total Cost
(In Rs.)

181000

COST OF PROJECT
Particulars

Amount
(In Rs.)

Total Assets
1

Land & Site Development

17200000

Building (Construction cost)

14700000

Furniture & Equipment Cost

4410000

Initial Marketing Exp

500000

Preliminary & Pre Operative Exp

181000

Contingency

1595000

Cost of project
Working Capital Margin Money

38586000
4201709

Total Cost Of Project

42787709

MEANS OF FINANCE
Bank Loan (70% of total cost of project)
Owner's Fund
TOTAL

50%
50%

21393855
21393855
42787709

1 Land & Building

No. of Girls Student
No. of Girls per Room
No. of Room Required
Building Structure
No. of Room per floor
Room Size
Total space for rooms
40% addl. Space for staires
Total space for rooms
Space for future expansion

270
2
135
1+2
15 x 20

50
300
15000
6000
21000
21000

Additional Space
Total
Requirement of Land in Sq mtr
Price of Land
Construction Cost
Furniture & Equipment Cost
Land devep. Cost
Furniture & Equipment Development Cost
Total Capital Cost

3 Furniture Cost
Construction Cost
Rate Per Sq. ft.
Furniture cost (50% of construction Cost )

1000

4000
7000
35%
5%
5%

14700000
30%
4410000

4 P & P Cost
Legal Expenses
Consultancy Fees
Advocate Fees and Consolution for Purchaging Land
Establishment Expenses/Set Up Cost:
GEB Registration Fees
Administrative Expences
Total

45000
36000
181000

5 Initial Marketing Exp

500000

6 Contingency
Contingency
Land(5%)
Furniture & Equipment(5%)

860000
735000

Total

50000
15000
35000

1595000

43000
4300
17.2
14.7
5.145
0.86
0.25725
37.905

300

10 Sq.ft

1
10

Sq. ft
Sq. ft
Sq.ft
Sq.ft

3000000
10000

Sq.ft
Sq.ft
Sq. Mt
Rs.Mn
Rs.Mn
Rs.Mn
Rs.Mn
Rs. Mn

CALCULATION OF WORKING CAPITAL

Particulars
1

CURRENT ASSETS

a)

Debtors Requirement
(Credit Sales at cost*Credit allowed
by debtors/No.of working days)
Debtors(Hostel Girls)

Days

1st Year
(In Rs.)

2nd year
(In Rs.)

8640000 10368000

0
0
8640000 10368000

Debtors(other than girls)

Total
E)

Cash Balance

1) Total Current assets =====

2

17280000 20736000

CURRENT LIABILITIES
F) CreditorsRequired
(Total Raw material Purchased* Credit
Allowed by suppliers/No. of working days)
Creditors of utility:
Electricity
Gas
Water
Total Creditors:

G) Deferred Salary
(direct Wages*Time lag in Payment of wages/
No. of working days)
Salaries paid to employees
H) Deffered Overheads
( overheds*Time lag in Payment of Overheads/
No. of working days)
Other than above creditors
2) Total current liabilities =====

2
2
12

140000
20000
12000
172000

154000
21000
12000
187000

78000

80720

51163

42523

473163

497243

Total working Capital

16806838 20238758
4201709
12605128

APITAL
3rd year
(In Rs.)

4th year
(In Rs.)

5th year
(In Rs.)

10800000 10800000 10800000

127000
152400
182880
10927000 10952400 10982880
0

21854000 21904800 21965760

169400
22050
12000
203450

186340
23153
12000
221493

204974
24310
12000
241284

83551

86498

89566

26361

8381

8382

516812

537864

580516

21337188 21366936 21385244

STATEMENT SHOWING COMPUTATIONOF TAX LIABILITY

Particular

Privision before Tax

Add: Depriciation
Less: Depriciation as per I.T. Act
Total Income
Less: Int.on Partner's Cap. (9%)
Add:Int.on Drawing (6%)
Tax Payable @ 30%
Add: surcharge (@ 10% of Tax)
Add: Education Cess( @ 3% of Tax & Surcharge)
Net Tax Payable
Net Profit after tax

1st Year
2nd Year
3rd Year
Amt.(In Rs.) Amt.(In Rs.) Amt.(In Rs.)
10044860
2106000
12150860
2106000
10044860
1925447
8119413
0
8119413
2435824
243582
2679406
80382
2759788

14212862
1856400
16069262
1856400
14212862
2581103
11631758
0
11631758
3489527
348953
3838480
115154
3953635

17392425
1639560
19031985
1639560
17392425
3504434
13887991
0
13887991
4166397
416640
4583037
137491
4720528

7285071

10259227

12671896

TAX LIABILITY
4th Year
5th Year
Amt.(In Rs.) Amt.(In Rs.)
18471735
1450644
19922379
1450644
18471735
4644904
13826831
0
13826831
4148049
414805
4562854
136886
4699740

19360401
1285612
20646012
1285612
19360401
5884384
13476017
0
13476017
4042805
404280
4447085
133413
4580498

13771996

14779903

RATIO ANALYSIS

A)

Liquidity Ratio

1)

Current Assets Ratio

=C.A.
C.L.

Years
1st
2nd
3rd
4th
5th

In Times
31.10
55.92
87.82
122.02
149.01

Current Assets Ratio

150.00
100.00
In times
50.00
0.00
1st

2)

Quick Ratio
= Current Assets - Stock
Current Liabilities - B.O.D.

Years
1st
2nd
3rd
4th
5th

In Times
#REF!
#REF!
#REF!
#REF!
#REF!

2nd

3rd 4th
Years

Quick Ratio
1.00
0.80
In Times

0.60
0.40
0.20
0.00
1st

2nd

3rd
Years

4th

3)

Acid Test Ratio

= Quick Assets
Current Liabilities - B.O.D.

Years
1st
2nd
3rd
4th
5th

In Times

Acid test Ratio

2.41
22.50
52.95
87.40
116.63

150.00
100.00
In Times
50.00
0.00
1st

4)

Gross Profit Ratio

= Gross Profit 100
Sales

Years
1st
2nd
3rd
4th
5th

In %
84.83
87.26
88.84
89.30
88.81

2nd 3rd 4th

Years

Gross Profit MargineIn %

90.00
88.00
In % 86.00
84.00
82.00
1st 2nd 3rd 4th
Year

5)

Net Profit Ratio

= Net Profit 100
Sales

Years
1st
2nd
3rd

In %
42.16
49.48
54.80

Net Profit Ratio

80.00

80.00

4th
5th

58.78
62.11

60.00
In % 40.00
20.00

0.00
1st 2nd 3rd 4th 5th
Years

6)

Operating Ratio
= PBIT 100
Sales

Years
1st
2nd
3rd
4th
5th

In %
72.64
78.31
81.75
83.11
83.41

Operating Ratio
85.00
80.00
In % 75.00
70.00
65.00
1st 2nd 3rd 4th 5th

Years

7)

Stock Turnover Ratio

= Cost of Goods Solds
Average Stock
Average Stock=O.P.Stock+C.L.Stock
2

Years
1st
2nd
3rd
4th
5th

In Times
#REF!
#REF!
#REF!
#REF!
#REF!

Stock turnover Ratio

1.00

In times 0.50

0.00
1st 2nd 3rd 4th 5th
Years

Years

8)

Proprietary Ratio
= Proprietor's Funds 100
Total Assets-Misc. Exps.

Years
1st
2nd
3rd
4th
5th

In %
61.52
73.97
84.32
92.25
98.27

Proprietary Ratio
100.00

In %

50.00

0.00
1st 2nd 3rd 4th
Years

9)

Debt-Equity Ratio
= Long term Liabilities
Owned Funds

Years
1st
2nd
3rd
4th
5th

In Times

Debt Equity Ratio

0.63
0.36
0.19
0.08
0.01

0.80
0.60
In %

0.40
0.20
0.00
1st

2nd

3rd

4th

5th

Year

10)

Return on Investment
=
PBIT
100
Total Assets-Misc. Exps.

Years
1st
2nd

In %
26.62
30.54

Return of Investment

3rd
4th
5th

30.69
27.37
24.29

40.00
In % 20.00
0.00
1st

11)

Fixed Assets Turnover Ratio

= Sales
Fixed Assets

Years
1st
2nd
3rd
4th
5th

2nd

3rd 4th
Years

In times
0.46
0.59
0.68
0.73
0.77

Fixed Assets Turnover Ratio

0.80
0.60
In times 0.40
0.20

0.00
1st 2nd 3rd 4th
Years

12)

Total Assets Turnover Ratio

= Sales
Total Assets

Years
1st
2nd
3rd
4th
5th

In times
0.37
0.39
0.38
0.33
0.29

Total Assets Turnover Ratio

0.40
0.30
In times 0.20
0.10
0.00
1st 2nd 3rd 4th

1st 2nd 3rd 4th

Years

13)

Debt-Service Coverage Ratio

= Profit available for Debt Payment
Inst. Of Principal + Interest on Loan
= Profit available for Debt Payment=PAT+
Depriciation+ Misc.Exps.+Interest on Loan.

Years
1st
2nd
3rd
4th
5th

In times
2.09
2.26
2.75
3.09
3.50

Debt Service Coverage Margin

4
3
In times 2
1
0
1

Years

14)

Interest Coverage Ratio

= PBIT
Interest on Loan

Years
1st
2nd
3rd
4th
5th

In times

Interest Coverage Ratio

5.07
8.14
12.78
20.19
44.09

60.00
40.00
In times
20.00
0.00
1st 2nd 3rd 4th
Years

RATIO ANALYSIS
No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14

Particular
Current Assets Ratio
Quick Ratio
Acid Test Ratio
Gross Profit Ratio
Net Profit Ratio
Operating Ratio
Stock Turnover Ratio
Proprietary Ratio
Debt-Equity Ratio
Return on Investment
Fixed Assets Turnover Ratio
Total Assets Turnover Ratio
Debt-Service Coverage Ratio
Interest Coverage Ratio

1st Year
31.10
#REF!
2.41
84.83
42.16
72.64
#REF!
61.52
0.63
26.62
0.46
0.37
2.09
5.07

2nd Year
3rd Year 4th Year 5th Year
55.92
87.82
122.02
149.01
#REF!
#REF!
#REF!
#REF!
22.50
52.95
87.40
116.63
87.26
88.84
89.30
88.81
49.48
54.80
58.78
62.11
78.31
81.75
83.11
83.41
#REF!
#REF!
#REF!
#REF!
73.97
84.32
92.25
98.27
0.36
0.19
0.08
0.01
30.54
30.69
27.37
24.29
0.59
0.68
0.73
0.77
0.39
0.38
0.33
0.29
2.26
2.75
3.09
3.50
8.14
12.78
20.19
44.09

rent Assets Ratio

In Times

4th

5th

Quick Ratio

In Times

4th

5th

Acid test Ratio

In Times

4th

5th

rofit MargineIn %

In %

4th 5th

t Profit Ratio

In %

5th

perating Ratio

In %

5th

turnover Ratio

In Times

4th 5th

prietary Ratio

In %

4th 5th

ebt Equity Ratio

In Times

5th

n of Investment

In %

In %
4th

5th

sets Turnover Ratio

In times

4th 5th

ets Turnover Ratio

In times

4th 5th

4th 5th

ce Coverage Margin

In times
Years

t Coverage Ratio

In times

4th 5th

PAY BACK PERIOD

Particular

1st Year

PAT
Add:- Dep.
Priliminery Exps.
Total Cash Flow

2nd Year

7285071
2106000
36200
9427271

Year

Cash Flow
1
2
3
4
5

Pay Back Period =

9427271
12151827
14347656
15258840
16101714

10259227
1856400
36200
12151827

Cummulative
Cash Flow
9427271
21579098
35926755
51185594
67287309

3Years & 2 Months

NET PRESENT VALUE METHOD

Cash Flow

P.V. Factor @ 7.71%

9427271
12151827
14347656
15258840
16101714
Present Value of Cash Inflows
Less:Present Value of Cash Outflows

0.93
0.86
0.80
0.74
0.69

N.P.V.

Amount
8752863.24
10475381.41
11483476.19
11339085.95
11109455.91
53160262.71
42787709
10372553.34

INTERNAL RATE OF RETURN METHOD

Cash Flow
9427271

P.V. Factor @15%

0.87

Amount
8197627.26

3rd Year

12671896
1639560
36200
14347656

12151827
14347656
15258840
16101714
Present Value of Cash Inflows
Less:Present Value of Cash Outflows
N.P.V.

Cash Flow

0.76
0.66
0.57
0.50

P.V. Factor @ 20%

9427271
12151827
14347656
15258840
16101714

0.83
0.69
0.58
0.48
0.40

Present Value of Cash Inflows

Less:Present Value of Cash Outflows
N.P.V.

IRR

9188526.97
9433817.02
8724291.06
8005397.72
43549660.04
42787709
761950.66

Amount

20%

7856059.46
8438768.69
8303041.94
7358622.49
6470917.83
38427410.40
42787709
-4360298.97

15.74%

AVERAGE RATE OF RETURN METHOD

Years
1
2
3
4
5
Total
ARR = Avg. NPAT 100
Total Investment

NPAT
7285071
10259227
12671896
13771996
14779903
58768093

27.47

4th Year

13771996
1450644
36200
15258840

42787709
3.572911862
57%
4.774265513

0.07705
1.07705

15%
1.15

5th Year

14779903
1285612
36200
16101714

Particulars
Investment

1st Year
42787709

2nd Year

Total Outflow
PBDIT

42787709
9427271

0
12151827

Total Inflow
Net Cash Flow
IRR

9427271
-33360438
25%

12151827
12151827

1.2

#REF!

#REF!

3rd Year

4th Year

5th Year

0
14347656

0
15258840

0
16101714

14347656
14347656

15258840
15258840

16101714
16101714

PROJECTED PROFITABILITY STATEMENT

Year Ending
Basis

Revenue from Fees

Other Revenue
Total Income
Total Income

Salary
Electricity Cost
Gas Charges
Water & gutter charges
Repairs & Maintenance
Marketing
Marketing Exp Written off

Total Expences
Gross Profit ( PBDIT)
Depreciation
PBIT
Interest
- Long Term Loan
Misc.Expenses W/O
Profit Before Tax

1st Year
Proj

17280000
0
17280000
17,280,000

2nd Year
Proj

20736000
0
20736000
20,736,000

3rd Year
Proj

4th Year
Proj

21600000
1524000
23124000
23,124,000

21600000
1828800
23428800
23,428,800

936000
840000
120000
12000
95550
518400
100000

968640
924000
126000
12000
95550
414720
100000

1002612
1016400
132300
12000
100328
216000
100000

1037976
1118040
138915
12000
100566
0
100000

2621950

2640910

2579640

2507497

14658050

18095090

20544361

20921303

2106000

1856400

1639560

1450644

12552050

16238690

18904801

19470659

2470990
36200
10044860

1989628
36200
14212862

1476176
36200
17392425

962723
36200
18471735

Tax Paid

2759788

3953635

4720528

4699740

Profit After Tax

7285071

10259227

12671896

13771996

42%
85%

49%
87%

55%
89%

59%
89%

PAT to Sales
PBDIT to sales

P & L APPROPRIATION ACC

Particulars

Amount
(In Rs.)

Amount
(In Rs.)

Amount
(In Rs.)

Amount
(In Rs.)

To interest on capital (9%)

1,925,447

2581103

3504434

4644904

To profit transfered to owners fund5,359,624

7678124

9167463

9127091

7,285,071

10259227

12671896

13771996

MENT
5th Year
Proj

21600000
2194560
23794560
23,794,560

1074794
1229844
145861
12000
100578
0
100000

2663077
21131483
1285612
19845872
449271
36200
19360401
4580498
14779903
62%
89%

L APPROPRIATION ACCOUNT
Amount
(In Rs.)

Particulars

Amount
(In Rs.)

Amount
(In Rs.)

Amount
(In Rs.)

Amount
(In Rs.)

Amount
(In Rs.)

5884384 By net profit

8895519 By Int. on draw.

14779903

7285071

10259227

12671896

13771996

14779903

7285071

10259227

12671896

13771996

14779903

DEPRECIATION AS PER IT ACT UNDER WDV METHOD

Particulars
Building

Block
1st Year 2nd Year 3rd Year 4th Year 5th Year
(In Rs.)
(In Rs.) (In Rs.) (In Rs.) (In Rs.) (In Rs.)
10% 14700000 1470000 1323000 1190700 1071630 964467

Furniture & Equipment

10%

2460000

246000

221400

199260

179334

161401

A.C.

20%

1950000

390000

312000

249600

199680

159744

Total Depreciation

Rates

19110000 2106000

1856400 1639560 1450644 1285612

ASSETS VALUE AFTER DEPRICIATION

Particulars
Building
Furniture & Equipment
A.C.

Block
1st Year 2nd Year 3rd Year 4th Year
(In Rs.)
(In Rs.)
(In Rs.)
(In Rs.)
(In Rs.)
14700000 13230000 11907000 10716300 9644670
2460000

2214000

1992600

1793340

1614006

1950000
1560000 1248000
998400
798720
19110000 17004000 15147600 13508040 12057396

ION
5th Year
(In Rs.)
8680203
1452605
638976
10771784

BREAK EVEN ANALYSIS

Particular

Salary
Interest on loan
Interest on Partners Capital
Depriciation
Marketing Exp Written off
Priliminary Expenses written off
Repairs & Maintainance
Total Fixed Cost
Marketing
Electricity
Gas Charges
Water & gutter charges
Total Variable Cost
Total Cost
Sales
Less:- Total Variable Cost
Contribution
Less:- Total Fixed Cost
Profit

P/V Ratio = Contribution / sales

Amount
(In Rs.)
936000
2470990
1925447
2106000
100000
36200
95550
7670187
518400
840000
120000
12000
1490400
9160587
17280000
1490400
15789600
7670187
8119413

91%

B.E.P.= Fixed Cost / P/V Ratio

8394186

Margin of safety = Profit / P.V. Ratio

8885814

#REF!

104.9273

PROJECTED BALANCE SHEET

Particulars

1st Year

2nd Year

3rd Year

A: Liabilities
Owners Funds
Add :- Interest on Capital

21393855
1925447
23319302
0
0
23319302
5359624
28678926
18184776

28678926
2581103
31260029
0
0
31260029
7678124
38938153
13906006

38938153
3504434
42442587
0
0
42442587
9167463
51610049
9627235

172000
78000
51163
301163

187000
80720
42523
310243

203450
83551
26361
313362

47164865

53154401

61550646

20250000
19110000
2106000
17004000

20250000
19110000
3962400
15147600

20250000
19110000
5601960
13508040

8640000
726065
9366065

10368000
6980201
17348201

10927000
16593206
27520206

Priliminary Expenses
Less :- Exps. W/O.

181000
36200
144800

144800
36200
108600

108600
36200
72400

Initial markrting exps

Less :- Exps. W/O.

500000
100000
400000

400000
100000
300000

300000
100000
200000

47164865

53154401

61550646

Less: - Drawings
Less: - Int. on Drawings
Add :- Reserves & Surplus
Bank Loan
Current Liability
Creditors
Deferred Wages
Deferred Over Head
Total Current Liability
TOTAL

B: Assets
Land
Gross Block
Less: Depreciation
Net Block
Current Assets
Debtors
Cash & Bank Bal
Total Current assets

TOTAL
Difference

#REF!

HEET
4th Year

5th Year

51610049
4644904
56254954
0
0
56254954
9127091
65382045
5348464

65382045
5884384
71266429
0
0
71266429
8895519
80161948
1069693

221493
86498
8381
316371

241284
89566
8382
339232

71046880

81570872

20250000
19110000
7052604
12057396

20250000
19110000
8338216
10771784

10952400
27650884
38603284

10982880
39566208
50549088

72400
36200
36200

36200
36200
0

200000
100000
100000

100000
100000
0

71046880

81570872

#REF!

#REF!

#REF!

#REF!

PROJECTED CASH FLOW

Particulars

1st year

2nd year

3rd year

4th year

5th year

A) SOURCE OF FUNDS :
Profit before Tax (with interest added back)
Owners Funds
Depreciation
Bank Loan
Increase In Sundry Creditors
Increase in Deferred Salary
Increase in Deferred Over Head
Priliminary.Expeses Written Off
Initial marketing expences written off

12515850
21393855
2106000
21393855
172000
78000
51163
36200
100000

16202490 18868601 19434459 19809672

0
0
0
0
1856400 1639560 1450644 1285612
0
0
0
0
15000
16450
18043
19792
2720
2831
2947
3068
0
0
0
1
36200
36200
36200
36200
100000
100000
100000
100000

A. SUB TOTAL

57846922

18212810 20663642 21042292 21254344

B) APPLICATION OF FUND :
Drawings
Increase - Fixed Assets
Repayment of Loan
Decrease in Deferred Over Head
Interest paid
Tax Paid
Increase in Debtors
Priliminary Expenses
initial

0
39360000
3209078
0
2470990
2759788
8640000
181000
500000

B. SUB TOTAL

57120857

Opening Balance
Surplus (A-B)
Closing Balance ( As per B/s)

0
0
4278771
0
1989628
3953635
1728000
0
0

0
0
4278771
16162
1476176
4720528
559000
0
0

0
0
4278771
17980
962723
4699740
25400
0
0

0
0
4278771
0
449271
4580498
30480
0
0

11958674 11050637

9984614

9339020

0
726065
726065

726065 6980201 16593206 27650884

6254136 9613005 11057678 11915324
6980201 16593206 27650884 39566208

726065

6980201 16593206 27650884 39566208

TERM LOAN REPAYMENT

Term Borrowing Amt :
Repayment
:
Repayment Instalment :
Repayment Commencement
Interest Rate
:
Moratorium

Year
1st Year

2nd Year

3rd Year

4th Year

5th Year

6th Year

Particulars
1st Quarter
2nd Quarter
3rd Quarter
4th Quarter
1st Quarter
2nd Quarter
3rd Quarter
4th Quarter
1st Quarter
2nd Quarter
3rd Quarter
4th Quarter
1st Quarter
2nd Quarter
3rd Quarter
4th Quarter
1st Quarter
2nd Quarter
3rd Quarter
4th Quarter
1st Quarter
Total

21393855
20.00
1069693
0.00
12.00
3.00

Principle Installment
Remaining
Paid
21393855
0
21393855
1069693
20324162
1069693
19254469
1069693
18184776
1069693
17115084
1069693
16045391
1069693
14975698
1069693
13906006
1069693
12836313
1069693
11766620
1069693
10696927
1069693
9627235
1069693
8557542
1069693
7487849
1069693
6418156
1069693
5348464
1069693
4278771
1069693
3209078
1069693
2139385
1069693
1069693
1069693
246029329

21393855

Rs.
Instalments
Rs.
%
Months

Interest
641816
641816
609725
577634
545543
513453
481362
449271
417180
385089
352999
320908
288817
256726
224635
192545
160454
128363
96272
64182
32091

Total Amt.
Paid
641816
1711508
1679418
1647327
1615236
1583145
1551054
1518964
1486873
1454782
1422691
1390601
1358510
1326419
1294328
1262237
1230147
1198056
1165965
1133874
1101784

7380880

28774735

TERM LOAN REPAYMENT

Term Borrowing Amt :
Repayment

#REF!

25.00 instalments

Repayment Instalment :

700.00

Repayment Commencement
Interest Rate

Rs.

Rs.

0.00

13.50 %

Moratorium

2.50 years

----------------------------- ------------ ------------ ---------------- ----------Operating Year

Op. Bal
Qtr
Repayment Cl. Bal
----------------------------- ------------ ------------ ---------------- ----------2004-06

0.00
13125.00
17500.00
17500.00

Oct
Jan
April
July

0.00
0.00
0.00
0.00

#######
#######
#######
#######

2003-04

17500.00
17500.00
17500.00
17500.00

Oct
Jan
April
July

0.00
0.00
0.00
0.00

#######
#######
#######
#######

2004-05

17500.00
17500.00
16800.00
16100.00

Oct
Jan
April
July

0.00
700.00
700.00
700.00

#######
#######
#######
#######

2005-06

15400.00
14700.00
14000.00
13300.00

Oct
Jan
April
July

700.00
700.00
700.00
700.00

#######
#######
#######
#######

Balance of
Principle
21393855
20324162
19254469
18184776
17115084
16045391
14975698
13906006
12836313
11766620
10696927
9627235
8557542
7487849
6418156
5348464
4278771
3209078
2139385
1069693
0
224635474

Total
Interest

2470990

1989628

1476176

962723

449271
32091
7380880

YMENT

instalments

-------------- ----------- ---------------Interest

Total
Total
Interest Repayment
-------------- ----------- ---------------434.20
442.97
590.63
590.63

2058.42

0.00

590.63
590.63
590.63
590.63

2362.50

0.00

590.63
590.63
567.00
543.38

2291.63

2100.00

519.75
496.13
472.50
448.88

1937.25

2800.00