Nivi - Musuri

Particulars of Guarantor/Co-oblligant
NF 589/ 1L(50) /2013-08/ Bhagyam
FROM
TO
R.VIJAYAKUMAR
CANARA BANKMUSURI
S/O RAMAKRISHNANPRASAD
NO:19/4,PARIVALLAL NAGAR,MUSURI-621211
SUB: BANKING FACILITIES EXTENDED / TO BE EXTENDED BY YOU TO
I offer to stand as a gurantor/co-ovligant for the banking facilities extended /to be extended by you to.....and furnish the particulars below
1 Full Name:
R.VIJAYAKUMAR
2 Father's Name/Husband's Name:
S/O RAMAKRISHNANPRASAD
3 Age (In years)
41
7
8
4 Address:
9
10
Office/Business
Residential
Whether related to the borrower/other co-obligant/guarantor /

NO
If so, furnish the details.
whether related to any of the Empoloyees of our
Bank.(if yes, nature of
NO
relationship)
SB/CA/ No & Opened on
NO
Net Annual Income : Rs
250000.00
Net Worth : Rs
3100000.00
0.00
Liabililties, if any
28/13,BYEPASS ROAD -621211
Particulars of Assetrs Owned by Co-oblligant /Guarantor

Movables
SL
NO:
Description of property
Immovables
Approx.Market Value
(Rs.)
Cash and Bank Bal
0.00
Govt Secu/Shares
0.00
Life Insu/Jewel
0.00
Inv in Busi/Inv in Asso
0.00
0.00
Encumbrance, if any
(Furnish particulars)
SI.No
Extent
Location & Boundaries
Approx . Market
Value (Rs.)
0.00
Details of
documents
conferring Rights
Encumbrance, if any
(furnish particulars)
NO
0.00
I declare that I am the true owner of the assets, and I am in possession of documents conferring rights on me. I further declare that the particulars furnished by me herein above are true
to the best of my knowledge and belief.
Place :
Date:
Signature /LTI of Guarantor/Co-obligant
Particulars of Assetrs Standing in the Name of the Applicant (Borrower)

Movables
SL
NO:
Approx.Market
Value (Rs.)
Cash and Bank Bal
Inv in Busi/Inv in Asso
Encumbrance, if
any (Furnish
particulars)
SI.No Description of property
25000.00
Govt Secu/Shares
Life Insu/Jewel
Immovables
0.00
1075000.00
Extent
Location &
Boundaries
PLOT NO:17,AT M
PUDUPATTI
EAST,MUSURI/ 2400SQ
FT
Approx .
Market Value
(Rs.)
Details of
documents
conferring
Rights
Encumbrance, if
any (furnish
particulars)
1800000.00
200000.00
1300000.00
1800000.00
I declare that I am the true owner of the assets, and I am in possession of documents conferring rights on me. I further declare that the particulars furnished by me herein above are true
to the best of my knowledge and belief.
Place :
Date:
Signature /LTI of Applicant (Borrower)

Enclosure to Credit Report No
1 I / Name of the firm in which the gurantor/co-obligant is interested

2 Whether enjoying any credit limit with us (if yes, furnish full particulars ):
Yes/No
3 Confidential Reports from Banks:

4 General Remarks:
(a) We certify that we have verified information furnished in the format with reference to the documents conferring rights/title to the borrower/Guarantor/co-obligant, and the
existence of the propertyh, its market value, marketab ility.
(b) The details furnished herein are verified/compared with the information furnished earlier (in NF 589) and we are satisfied about the veracity of the same (applilcable in case of
existing parties).
Place :
Date ;
Manager /Senior Manager
APPLICATION FORM FOR THE LOANS TO MICRO & SMALL ENTERPRISES(MSEs)

FROM
NIVI NATURALES
To
The Manager
CANARA BANKMUSURI
Dear sir
I/We request you yo grant me/us the banking facility indivated below.The necessary perticulars given below
1 NAME OF THE ENTERPERENEUR
NIVI NATURALES
2 REGD. OFFICE ADDRESS
3 ADDERSS OF THE FACTORY/SHOP
WHETHER BELONGS TO
SC/ST/OBC/MINORITY COMMUNITY
5 TELEPHONE NO
OBC
(OFFICE)
9894760636
(RESIDENCE)
FAX
MOBILE NO
9894760636
EMAIL ADDRESS
luckynfriends@yhoo.com
6 CONSTITUTION
PROPRIETORSHIP
7 PAN CARD NO
ADCPV7926P
8 TIN NO
322246299188
DATE OF ESTABLISHMENT/ IN
CORPORATION
SSI REGISTRATION NO/ENTREPREUR'S
10
MEMORANDUM REF NO.
2015
-NA-
11 NAME OF THE PROPERITOR/PARTNER/DIRECTORS OF THE COMPANY/KEY FUNCTIONARY &THEIR ADDRESS

NAME
AGE
ACADMIC
QUALIFICAT
ION
RESIDENTAL ADDRESS
TELEPHONE NO
EXPERIENCE IN
THE LINE OF
ACTIVITY
R.VIJAYAKUMAR
41
BBA
NO:19/4,PARIVALLAL NAGAR,MUSURI621211
9894760636
12 ACTIVITY
EXISTING
HERBAL PRODUCT RETAILER
PROPOSED
HERBAL PRODUCT RETAILER
13 NAME OF THE ASSOCIATE CONCERNS AND NATURE OF ASSOCIATION

NAME OF THE ASSOCIATE
ADDRESS OF THE ASSOCIATE CONCERN
CONCERNS
PRESENT
BANKER
NIL
EXTENT OF INTEREST AS A
PROPRIETOR/PARTNER/DIRECT
NATURE OF ASSOCIATION
OR OR JEST INVESTOR IN THE
ASSOCIATE CONCERN
NIL
NIL
NIL
NIL
NIL
NIL
14 PRESENT BANKER/ BANKING WITH
BANK
CANARA BANK
BANK
15 WHETHER AVILED ANY CREDIT / OTHER FACILITY
0 NO
16 IF BANKING WITH US
A. CUMTOMER NO./ ACCOUNT NO.
97063529
B. RELATION OF THE PROP/PARTNER/DIRECTORWITH THE OFFIVIALS OF THE BANK /

DIRECTOR OF THE BANK
5234201000068
17 CREDIT FACILITY (EXISTING)

TYPE OF FACILITY
OVER DRAFT
CASH CREDIT
BOOK DEBIT FINENCE
PACKING CREDIT
BILLFINANCE- CDE
SDB
BE
SUPPLY BILLS
FDB/FBE/PSCFC
OTHER SHORT TERM
LOANS
TERM LOAN/DPG
LETTER OF CREDIT
BANK GUARENTEE
LIMIT
OUTSTANDING AS
ONNOV'13.)
SECURITY OFFERED
RATE OF
INTEREST
REPAYEMENT TERMS
DETAILS OF CREDIT FACILITIES ENJOYED WITH OTHER BANKS TO BE FURNISHED AS ABOVE SEPARATELY IN THE FORM OF
AN ANNEXURE
18 CREDIT FACILITY (REQUESTED / REQUIRED)( IN LAKHS)

TYPE OF FACILITY
OVER DRAFT
CASH CREDIT
BOOK DEBIT
FINENCE
PACKING CREDIT
BILLFINANCE- CDE
SDB
BE
SUPPLY BILLS
FDB/FBE/PSCFC
LIMIT
OUTSTANDING AS
ON.)
SECURITY OFFERED
YES
RATE OF
INTEREST
REPATEMENT TERMS
OTHER SHORT
TERM LOANS
TERM LOAN/DPG
LETTER OF CREDIT
BANK GUARENTEE
IN CASE OF TERM LOAN REQUIREMENTS THE DETAILS OF LAND BUILDING , MACHINERY/EQUIPMENTS TO BE GIVEN.
TYPE OF ASSET -
LAND
PURPOSE FOR WHICH

REQUIRED
WHETHER ALLOTED /
PURCHASED
NAME OF THE
AUTHORITY WHO
ALLOTED THE
LAND/VENDOR
TOTAL COST OF
ACQUSITION(INCLUDING
STAMP DUTY &
REGISTRATION)
PROMOTER'S
CONTRIBUTION
LOAN
REQUIRED
NIL
TOTAL COST OF
ACQUSITION
/CONSTRUCTION
PROMOTER'S
CONTRIBUTION
LOAN
REQUIRED
TYPE OF ASSET PURPOSE FOR WHICH

REQUIRED
BUILDING
WHETHER TO BE
NAME OF THE VENDOR
PURCHASED/CONSTRUCT /CONTRACTOR/ARCHIT
ED
ECT
NIL
TYPE OF ASSET -
MACHINERY /EQUIPMENTS
TOTAL COST OF
MACHINERY
/EQUIPMENTS( INCASE OF
WHEATHER IMPORTED
PROMOTER'S
IMPORTED M/C THE
/INDIGENOUS
CONTRIBUTION
BREAK UP OF INSUR,
CUSTOM DUTY TO BE
GIVEN)
NAME OF THE
MACHINERY /
EQUIPMENTS
NEED FOR THE

MACHINERY
/EQUIPMENTS
NIL
19 WHETHER WILLING TO OFFER COLLATERAL SECURITY :

IF NOR SEEKING COVER UNDER CREDIT GURANTEE FUND FOR MICRO
& SMALL ENTERPRISES(CGMSE)
YES
NO
LOAN
REQUIRED
20 DETAIL OF COLLATERAL SECURITY OFFERED , IN ANY INCLIDING THE THIRD PARTY GURANTEE:
PLOT NO:17,AT M PUDUPATTI EAST,MUSURI/ 2400SQ FT
21 PAST PERFORMANCE/FUTURE ESTIMATES (Actual performance for previous years, estimates for current year and
projection for next to be furnished for working capital facilities. However, for term loans facilities, projections to be
furnished till the proposed period up to the repayment of loan.)
CURRENT YEAR
NEXT YEAR (
NEXT YEAR (
NEXT YEAR ( ProjectionsAMOUNT IN Rs.lacs
(Estimates)
Projections-I)
Projections-II)
III)
GROSS SALES
NET SALES
NET PROFIT(After tax)
DEPRECIATION
CAPITAL (Net worth in
case of companies)
28.75
35.94
44.92
56.15
28.75
35.94
44.92
56.15
5.03
4.66
5.73
7.61
0.11
0.09
0.08
0.06
7.37
12.70
18.67
27.21
22 STATUS REGARDING STATUTORY OBLIGATIONS

SL NO
STATUTORY OBLIGATION
WETHER COMPLIED
WITH(Yes/No)(If not
applicable ,then weite-NA)
REMARKS(Any detailsin
connection with relative
obligation to be given)
Registration under Shops & Establishment

Act
NA
-NA-
Registration under SSI (Provisional/Final)

of filing of Entrepreneur's Memorandum
YES
-NA-
Drug License
NA
NA
Latest Sales Tax Return filed
YES
322246299188
Latest Income Tax Return filed
NO
NA
NA
NIL
NIL
6
7
Clearance from Pollution Control

Authority
Any other statutory dues remaining
outstanding
23 SPACE FOR PHOTO/S
R.VIJAYAKUMAR
SIGNATURES OF THE PROPRIETOR/PARTNER/DIRECTOR WHOSE PHOTO IS AFFIXED ABOVE
Only one photo of the individual/proprietor/each partner/each working director is required to be affixed. Each
photo will be certified/attested by the authorized official of the Branch duly affixing his name and signature on the
photograph with Branch stamp. The name of Branch Official to be put his/her name below his signature.
I/We certify that all information furnished by me/us is true, that I/We have no borrowing arrangements for the unit except as indicated in the application;
There are no overdues/statutory dues against me/us/promoters except as indicated in the application; No legal
action has been /is being taken against me/us/promoters;
I/We shall furnish all other information that may be required by you in connection with my/our application which may
also be exchanged by you with any agency you may deem fit; and,
You, your representatives, or the Reserve Bank of India or any other Agency as authorized by you, may, at any time,
inspect/verify my/our assets, books of accounts, etc. in our factory/business premises as given above.
Place:
Date:
Trichy
/ /2015
Signature/s
R.VIJAYAKUMAR
PROFIT & LOSS ANALYSIS

Name of the Party
NIVI NATURALES
Branch
CANARA BANKMUSURI
[Rs in Lacs]
Sales / Income
Proj
2016
28.75
Proj
2017
35.94
Proj
2018
44.92
Proj.
2019
56.15
Proj.
2020
70.19
Proj.
2021
87.74
Proj.
2022
109.67
Proj.
2023
137.09
Raw Material Consumption

Other Manufacturing Expenses
Stores, Spares Consumption
Salary, Wages
Depreciation
24.44
0.00
0.15
0.75
0.11
30.55
0.00
0.19
0.94
0.09
38.18
0.00
0.23
1.17
0.08
47.73
0.00
0.29
1.46
0.06
59.66
0.00
0.37
1.83
0.05
74.58
0.00
0.46
2.29
0.05
93.22
0.00
0.57
2.86
0.04
116.53
0.00
0.72
3.58
0.03
Sub - Total [ 1 ]
25.44
31.76
39.67
49.55
61.91
77.37
96.69
120.85
ADD :: Opening R.M. + W.I.P.

LESS :: Closing R.M. +W.I.P
0.00
4.33
4.33
6.89
6.89
9.85
9.85
13.85
13.85
18.08
18.08
23.56
23.56
30.65
30.65
39.44
Sub - Total [ 2 ]
21.11
29.20
36.71
45.55
57.68
71.89
89.60
112.06
Sub - Total [ 3 ]
21.11
29.20
36.71
45.55
57.68
71.89
89.60
112.06
Gross Profit
LESS :: Interest
LESS :: Admn., Selling Gen. Exp.
LESS :: Other Expenses [Taxes]
7.64
0.11
2.50
1.60
6.74
0.45
1.63
1.51
8.21
0.45
2.03
1.86
10.60
0.45
2.54
2.46
12.51
0.45
3.17
2.88
15.85
0.45
3.97
3.70
20.07
0.45
4.96
4.74
25.03
0.45
6.20
5.94
Sub - Total [ 4 ]
5.03
4.66
5.73
7.61
8.88
11.43
14.66
18.38
NPBT
Tax
Net Profit After Tax
5.03
4.66
5.73
7.61
8.88
11.43
14.66
18.38
5.03
4.66
5.73
7.61
8.88
11.43
14.66
18.38
Net Worth
Net Working Capital
Current Ratio
Debt Equity Ratio
TOL : Equity
Asset Coverage Ratio : Sales
Debtors : Sales
Creditors : Purchases
Gross Profit : Sales
Net Profit : Sales
PBDIT
7.37
12.70
18.67
27.21
36.33
47.13
60.08
75.39
2.34
0.69
0.69
3.39
0.40
0.40
4.26
0.30
0.30
5.01
0.23
0.23
5.77
0.19
0.19
6.30
0.17
0.17
6.76
0.16
0.16
7.17
0.15
0.15
50.00
7.00
26.57%
17.49%
5.03
50.00
7.00
18.74%
12.97%
4.66
50.00
7.00
18.28%
12.75%
5.73
50.00
7.00
18.88%
13.55%
7.61
50.00
7.00
17.82%
12.66%
8.88
50.00
7.00
18.06%
13.03%
11.43
50.00
7.00
18.30%
13.37%
14.66
50.00
7.00
18.26%
13.41%
18.38
ADD :: Opening F. G.
LESS :: Closing F. G.
ADD :: Other Income
BALANCE SHEET ANALYSIS

Name of the Party
NIVI NATURALES
Branch
CANARA BANKMUSURI
Proj
2016
7.37
Proj
2017
12.70
Proj
2018
18.67
[Rs in Lacs]
Proj.
Proj.
2019
2020
27.21
36.33
Total Net Worth
7.37
12.70
18.67
27.21
36.33
47.13
60.08
75.39
Term Loan Bank /Institution

Unsecured Loans
Other deferred Liabilities
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
Total Term Liability
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Bank Borrowing
Inst. Of TL due within 1 yr
Deposits
Trade Creditors
Other Cur. Liab. - Def. Tax
Taxes / Provisions
3.00
0.00
0.00
0.47
0.00
1.60
3.00
0.00
0.00
0.59
0.00
1.51
3.00
0.00
0.00
0.73
0.00
1.86
3.00
0.00
0.00
0.92
0.00
2.46
3.00
0.00
0.00
1.14
0.00
2.88
3.00
0.00
0.00
1.43
0.00
3.70
3.00
0.00
0.00
1.79
0.00
4.74
3.00
0.00
0.00
2.23
0.00
5.94
Total Current Liabilities
5.07
5.10
5.59
6.37
7.03
8.13
9.53
11.18
Total Liabilities
12.44
17.80
24.26
33.58
43.36
55.26
69.61
86.57
Net Fixed Assets

Investment in associates
Preliminary Expenses
Non - Current
Intangible Assets
P & L - Loss
0.60
0.00
0.00
0.00
0.00
0.00
0.51
0.00
0.00
0.00
0.00
0.00
0.43
0.00
0.00
0.00
0.00
0.00
0.37
1.25
0.00
1.25
0.00
0.00
0.31
2.50
0.00
2.50
0.00
0.00
0.26
3.75
0.00
3.75
0.00
0.00
0.22
5.00
0.00
5.00
0.00
1.00
0.19
6.25
0.00
6.25
0.00
2.00
Total
0.60
0.51
0.43
2.87
5.31
7.76
11.22
14.69
Raw materials
Work in processes
Finished Goods,Stores & Spares
Debtors
Cash, Bank
Loans, Advances,Deposits
O.C.A
1.08
3.25
0.00
3.94
0.25
1.72
1.60
1.72
5.17
0.00
4.92
0.50
3.47
1.51
2.46
7.38
0.00
6.15
0.75
5.22
1.86
3.46
10.38
0.00
7.69
1.00
6.97
4.96
4.52
13.56
0.00
9.62
1.25
8.72
7.88
5.89
17.67
0.00
12.02
1.50
10.47
7.50
7.66
22.99
0.00
15.02
1.75
12.22
10.00
9.86
29.58
0.00
18.78
2.00
13.97
12.50
Total Current Assets
11.84
17.30
23.83
34.47
45.55
55.05
69.64
86.69
Grand Total
12.43
17.80
24.26
37.33
50.86
62.81
80.87
101.38
Capital
Share Application Money
Reserves, P & L
Revaluation Reserve
Proj.
2021
47.13
Proj.
2022
60.08
Proj.
2023
75.39
Turnover Method - Up to Rs.5 Cr for SSI & Rs.2 Cr for Non SSI
Sales Turnover
% increase in sales
25% of Sales
5% Margin or NWC whichever is
higher
MPBF
2016
2017
2018
2019
2020
2021
2022
2023
28.75
25.00%
7.19
35.94
25.00%
8.98
44.92
25.00%
11.23
56.15
25.00%
14.04
70.19
25.00%
17.55
87.74
25.00%
21.93
109.67
25.00%
27.42
137.09
25.00%
34.27
6.77
12.20
18.24
25.59
33.52
43.12
54.85
68.95
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
2021
2022
2023
MPBF Method - Up to Rs.25 Cr

2016
2017
2018
2019
2020
Current Assets
Current Liabilities exc. BB
Working Capital Gap
11.84
2.07
11.84
17.30
2.10
17.30
23.83
2.59
23.83
34.47
3.37
31.97
45.55
4.03
40.55
55.05
5.13
51.25
69.64
6.53
64.38
86.69
8.18
80.13
Margin: 25 % of C.A. or NWC

whichever is higher
6.77
12.20
18.24
25.59
33.52
43.12
54.85
68.95
MPBF
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
ASSESSMENT OF WORKING CAPITAL REQUIREMENT
FORM II : OPERATING STATEMENT

--------------------------------------------------------
Sheet 1
LACS
Branch
CANARA BANKMUSURI
As per profit and loss account actuals/
NAME OF THE UNIT
estimates for the year ending 31st March

2016
2017
2018
2019
2020
2021
2022
2023
Proj
Proj
Proj
Proj.
Proj.
Proj.
Proj.
Proj.
GROSS SALES
IV
VI
VII
VI
VII
VI
VII
Domestic sales (Regular sales)
28.75
35.94
44.92
56.15
70.19
87.74
109.67
137.09
28.75
35.94
44.92
56.15
70.19
87.74
109.67
137.09
NIVI NATURALES
1
i.
Export Sales
Job work charges
Total
2
Less excise duty

Deduct other items
Net sales ( item 1 - item 2 )
28.75
35.94
44.92
56.15
70.19
87.74
109.67
137.09
% age rise (+) or fall (-) in net
25.00
25.00
25.00
25.00
25.00
25.00
25.00
25.00
24.44
30.55
38.18
47.73
59.66
74.58
93.22
116.53
24.44
30.55
38.18
47.73
59.66
74.58
93.22
116.53
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
sales compared to previous

year (annualised)
5
Cost of Sales
i.)
Raw materials (including

stores and other items used
in the process of manufacture)
(a) imported
(b) Indigenous
ii)
Other spares
(a) Imported
(b) Indigenous
iii)
Power and fuel
0.15
0.19
0.23
0.29
0.37
0.46
0.57
0.72
iv)
Direct labour
0.75
0.94
1.17
1.46
1.83
2.29
2.86
3.58
v)
Other mfg. Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
vi)
Depreciation
0.11
0.09
0.08
0.06
0.05
0.05
0.04
0.03
vii)
SUB TOTAL (I TO VI)
25.44
31.76
39.67
49.55
61.91
77.37
96.69
120.85
viii)
ADD: Opening stocks-in-Process)
(Factory wages & salary)
Sub-total
0.00
4.33
6.89
9.85
13.85
18.08
23.56
30.65
25.44
36.09
46.56
59.40
75.76
95.45
120.25
151.50
ix)
Form II : Sheet 2
2016
2017
2018
2019
2020
2021
2022
2023
NIVI NATURALES
Proj
Proj
Proj
Proj.
Proj.
Proj.
Proj.
Proj.
Deduct : Closing stocks-inprocess
x)
Cost of Production
xi)
Add : Opening stock of

finished goods
SUB-TOTAL
xii)
Deduct closing stock of
xiii)
SUB-TOTAL (Total cost of Sales)
finished goods
4.33
6.89
9.85
13.85
18.08
23.56
30.65
39.44
21.11
29.20
36.71
45.55
57.68
71.89
89.60
112.06
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
21.11
29.20
36.71
45.55
57.68
71.89
89.60
112.06
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
21.11
29.20
36.71
45.55
57.68
71.89
89.60
112.06
Selling general and administrtive

expenses
SUB-TOTAL (5+6)
Operating profit before interest
2.50
1.63
2.03
2.54
3.17
3.97
4.96
6.20
23.61
30.83
38.74
48.09
60.86
75.86
94.56
118.26
5.14
5.11
6.18
8.06
9.33
11.88
15.11
18.83
( 3-7 )
9
Interest
0.11
0.45
0.45
0.45
0.45
0.45
0.45
0.45
10
Operating profit after interest (8-9)
5.03
4.66
5.73
7.61
8.88
11.43
14.66
18.38
11 (i)
Add other non-operating income

0.30
0.38
0.47
0.59
0.73
0.92
1.14
1.43
0.30
0.38
0.47
0.59
0.73
0.92
1.14
1.43
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
0.30
0.38
0.47
0.59
0.73
0.92
1.14
1.43
Profit before tax/loss[10+11(iii)]
5.33
5.04
6.20
8.20
9.62
12.35
15.80
19.81
13
Provision for taxes
1.60
1.51
1.86
2.46
2.88
3.70
4.74
5.94
14
Prior Years Adjustment(if any)#
15
Net profit/loss for the year ( 12-13 )
3.73
3.53
4.34
5.74
6.73
8.64
11.06
13.87
16
(a) Equity dividend paid-amt
(a)
INCOME IN INTE,COMM,DISCOUNT & SCRAB
(b)
(c)
(d)
Sub-total ( income )
(ii)
Deduct other non-operating expenses
(a)
P&P expense inncluding

all book entries written off
(b)
(c)
(d)
Sub-total ( expenses )
(iii)
Net of other non-operating

income/expenses
12
(Already paid+ B.S. provision)

(b) Dividend Rate
17
Retained profit ( 14-15 )
18
Retained profit/Net profit (% age)
3.73
3.53
4.34
5.74
6.73
8.64
11.06
13.87
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
LIABILITIES
STATEMENT
Sheet 1
AS PER BALANCE SHEET AS AT 31st MARCH
CANARA BANKMUSURI
NIVI NATURALES
Sl.
LIABILITIES
No.
CURRENT LIABILITIES
1
LACS
2016
2017
2018
2019
2020
2021
2022
2023
Proj
Proj
Proj
Proj.
Proj.
Proj.
Proj.
Proj.
IV
VI
VI
VI
VI
VI
VI
Short-term borrowings from

banks(including bills purchased,
discounted & excess borrowing
placed on repayment basis)
(i.) From applicant banks
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
0.47
0.59
0.73
0.92
1.14
1.43
1.79
2.23
1.60
1.51
1.86
2.46
2.88
3.70
4.74
5.94
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
(specify major items)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
SUB-TOTAL (B)
2.07
2.10
2.59
3.37
4.03
5.13
6.53
8.18
5.07
5.10
5.59
6.37
7.03
8.13
9.53
11.18
(ii.) From other banks

(iii) Of which BP & BD
SUB TOTAL
2 Short term borrowings from others
3 Sundry Creditors (Trade)
4 Advance payments from customers/deposits from dealers
5 Provision for taxes
6 Dividend payable
7 Other statutory liabilities [IFST]
(due within one year)
8 Deposits/instalments of term
loans/DPGs/Debentures/ H.P.
(due within one year)
9 Other current liabilities &
provisions(due within 1 Yr)
TOTAL CURRENT LIABILITIES
TERM
LIABILITIES
11 Debentures (not maturing

within one year)
12 Creditors for capital goods
13 Term loans(excluding instalment)
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
16 Unsecured Loans/Trade Deposits
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
17 TOTAL TERM LIABILITIES
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
5.07
5.10
5.59
6.37
7.03
8.13
9.53
11.18
7.37
12.70
18.67
27.21
36.33
47.13
60.08
75.39
7.37
12.70
18.67
27.21
36.33
47.13
60.08
75.39
12.44
17.80
24.26
33.58
43.36
55.26
69.61
86.57
payable within one year)

14 HP Loan
Loans from Directors
15 OTHER TERM LIABILITIES
18 TOTAL OUTSIDE LIABILITIES

NET WORTH
19 Ordinary share capital
20 General Reserve
21 Other Reserves
22 Subsidy
23 Surplus (+) or deficit (-) in

Profit & Loss Account
23a Others (specify) - DTL
24 NET WORTH
25 TOTAL LIABILITIES
Sheet 3
AS PER BALANCE SHEET AS AT : 31st MARCH
NIVI NATURALES
Sl.
ASSETS
No.
LACS
2016
2017
2018
2019
2020
2021
2022
2023
Proj
Proj
Proj
Proj.
Proj.
Proj.
Proj.
Proj.
IV
VI
VI
VI
VI
VI
VI
Cash and bank balances
0.25
0.50
0.75
1.00
1.25
1.50
1.75
2.00
Fixed Deposits with Banks
0.50
1.00
1.50
2.00
2.50
3.00
3.50
4.00
28 (i) Receivables other than
3.94
4.92
6.15
7.69
9.62
12.02
15.02
18.78
4.33
6.89
9.85
13.85
18.08
23.56
30.65
39.44
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
3.25
5.17
7.38
10.38
13.56
17.67
22.99
29.58
1.08
1.72
2.46
3.46
4.52
5.89
7.66
9.86
1.08
1.72
2.46
3.46
4.52
5.89
7.66
9.86
1.60
1.51
1.86
2.46
2.88
3.70
4.74
5.94
(Specify major items)
1.22
2.47
3.72
4.97
6.22
7.47
8.72
9.97
Other Curr assets
1.22
2.47
3.72
4.97
6.22
7.47
8.72
9.97
11.84
17.30
23.83
31.97
40.55
51.25
64.38
80.13
deferred & exports (include

bills purchased and
discounted by Banks)
(ii) Export receivables(include
bills purchased and
discounted by banks)
29 Instalments of deferred
receivables(due with in one yr.)
30 Inventory:
(i)Raw materials(including stores
& other items used in the
process of manufacture)
(a) Imported
(b) Indigenous
(ii) Stock-In-Process
(iii) Finished goods
(iv) Other Consumable Spares
(a) Imported
(b) Indigenous)
31 Advance to suppliers of raw
materials & stores and spares
32 Advance payment of taxes
33 Other Current assets
34 TOTAL CURRENT ASSETS
FIXED ASSETS
35 Gross Block(Land & Building
0.70
0.70
0.70
0.70
0.70
0.70
0.70
0.70
36 Depreciation to date
0.11
0.19
0.27
0.33
0.39
0.44
0.48
0.51
37 NET BLOCK
0.60
0.51
0.43
0.37
0.31
0.26
0.22
0.19
0.00
0.00
0.00
1.25
2.50
3.75
5.00
6.25
0.00
0.00
0.00
1.25
2.50
3.75
5.00
6.25
0.00
0.00
0.00
1.25
2.50
3.75
5.00
6.25
12.43
17.80
24.26
33.58
43.36
55.26
69.61
86.57
machinery, work-in-process)
OTHER NON-CURRENT ASSETS

38 Investment/bookdebts/advances/
deposits which are not current
assets
(i) a) Investment in subsidiary
Co./affiliates
b) Other Investments
(ii) Advances to suppliers of
capital goods & contractors
(iii)Deferred receivables (maturity
exceeding one year)
(iv)Others (a) Debtors> 6 months
(b) Security Deposits
(c) Project Surplus
39 Non-consumables stores &
spares
40 Other non-current assets including dues from Directors
41 TOTAL OTHER NON-CURR. ASSETS
42 Intangible assets (patents,
goodwill, prelim.expenses, bad/
doubtful exp.not provided for etc)
43 TOTAL ASSETS(34+37+41+42)
2016
2017
2018
2019
2020
2021
2022
2023
NIVI NATURALES
If ASSETS are equal to LIABILITIES
Balance Sheet Total ASSETS
12.43
17.80
24.26
33.58
43.36
55.26
69.61
86.57
Balance Sheet Total LIABILITIES
12.44
17.80
24.26
33.58
43.36
55.26
69.61
86.57
Diff Assets- liabilities
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Balance Sheet Depriciation
0.11
0.09
0.08
0.06
0.05
0.05
0.04
0.03
Operating profit depriciation
0.11
0.09
0.08
0.06
0.05
0.05
0.04
0.03
Diff
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
33.08
38.50
47.88
60.15
74.42
93.22
116.76
145.88
Is Balance Sheet Depriciation

Equal to OP-Stmt. Depriciation
Prod* = Net Sales+Increase

in FG & SIP
(* Prod = Producton at sales value)
RM/ Prod. (%)
73.87
79.35
79.76
79.35
80.17
80.00
79.84
79.88
Spares/Prod. Sales (%)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Power & Fuel/ Prod. Sales(%)
0.45
0.49
0.49
0.49
0.49
0.49
0.49
0.49
Labour/ Prod. (%)
2.27
2.44
2.45
2.44
2.46
2.46
2.45
2.45
Other Mfg Exp./ Prod.(%)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
63.49
75.62
76.52
75.62
77.44
77.07
76.71
76.80
73.06
81.01
81.56
81.01
82.10
81.88
81.66
81.72
5.43
5.24
6.72
8.71
10.12
12.84
16.29
20.29
8.70
4.52
4.52
4.52
4.52
4.52
4.52
4.52
(Cost of Prod.-Dep.)/( Net Sales+Inc.

in SIP stock) (%)
(Cost Of sales-Dep.)/ Net Sale (%)
PBDIT
Gen.
Selling+General
Exp/Adj. SalesExp/Net Sales %
Intt. Calculation
FBWC Limit
2016
2017
2018
2019
2020
2021
2022
2023
Proj
Proj
Proj
Proj.
Proj.
Proj.
Proj.
Proj.
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
Avg. FBWC Utilisation % (Projected)
90.00
95.00
95.00
95.00
95.00
95.00
95.00
95.00
WC Intt rate (%)
12.50
12.50
12.50
12.50
12.50
12.50
12.50
12.50
WC Intt.
0.34
0.36
0.36
0.36
0.36
0.36
0.36
0.36
TL +DPG Intt.
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Intt. On Deposits
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Total Intt.
0.34
0.36
0.36
0.36
0.36
0.36
0.36
0.36
90.00
95.00
95.00
95.00
95.00
95.00
95.00
95.00
Avg. FBWC Utilisation % Actual

Is FAs Additions>TLs raised
Increase in FA
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
TL disbursed
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Differennce
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
If Cash Accrual>TL Installment
Cash Accrual
3.84
3.61
4.41
5.80
6.79
8.69
11.10
13.90
TL installment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Diff
3.84
3.61
4.41
#DIV/0!
#DIV/0!
PROFIT AFTER TAX
3.73
Dividend
PBDIT
Net DSCR
8.69
11.10
0.00
5.80
6.79
13.90
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
3.53
4.34
5.74
6.73
8.64
11.06
13.87
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
5.43
5.24
6.72
12.84
16.29
12.84
0.00
20.29
PERFORMANCE AND FINANCIAL INDICATORS
Particulars
LACS
2016
Proj
2017
Proj
2018
Proj
2019
Proj.
2020
Proj.
2021
Proj.
2022
Proj.
2023
Proj.
Domestic Sales(Gross)
Export Sales
Net Sales
28.75
0.00
28.75
35.94
0.00
35.94
44.92
0.00
44.92
56.15
0.00
56.15
70.19
0.00
70.19
87.74
0.00
87.74
109.67
0.00
109.67
137.09
0.00
137.09
% rise/fall (-) in net sales
25.00
25.00
25.00
25.00
25.00
25.00
25.00
25.00
Operating Profit
5.03
4.66
5.73
7.61
8.88
11.43
14.66
18.38
Profit Before tax
5.33
5.04
6.20
8.20
9.62
12.35
15.80
19.81
PBT/ Sales (%)
18.54
14.01
13.80
14.60
13.70
14.07
14.41
14.45
Profit After Tax
3.73
3.53
4.34
5.74
6.73
8.64
11.06
13.87
Cash Accrual
3.84
3.61
4.41
5.80
6.79
8.69
11.10
13.90
Paid Up Capital
7.37
12.70
18.67
27.21
36.33
47.13
60.08
75.39
TNW
7.37
12.70
18.67
27.21
36.33
47.13
60.08
75.39
Adjusted TNW
7.37
12.70
18.67
27.21
36.33
47.13
60.08
75.39
TOL/TNW (times)
0.69
0.40
0.30
0.23
0.19
0.17
0.16
0.15
Adjusted TOL/TNW
0.69
0.40
0.30
0.23
0.19
0.17
0.16
0.15
NWC
6.77
12.20
18.24
25.59
33.52
43.12
54.85
68.95
Current Ratio
2.34
3.39
4.26
5.01
5.77
6.30
6.76
7.17
Figures in Italics represents estimates taken at the time of the last renewal.
Other Ratios
Operating Cost/ sales %
82.51
87.03
87.25
86.45
87.34
86.97
86.63
86.59
Net Sales /TTA (times)
2.31
2.02
1.85
1.67
1.62
1.59
1.58
1.58
PBDIT
5.43
5.24
6.72
8.71
10.12
12.84
16.29
20.29
As on 31st March
2016
2017
Proj
Proj
2.31
2.02
2018
Proj
1.85
2019
Proj.
1.67
2020
Proj.
1.62
2021
Proj.
1.59
2022
Proj.
1.58
2023
Proj.
1.58
EFFICIENCY RATIOS
Particular
Net Sales/ Total Tangible
Assets (times)
PBT/ Total Tangible Assets (%)
42.86
28.29
25.55
24.41
22.18
22.34
22.71
22.88
Operating Cost to sales (%)
82.51
86.08
87.25
86.45
87.34
86.97
86.63
86.59
Bank Finance/ Ct. Assets (%)
25.34
17.35
12.59
9.38
7.40
5.85
4.66
3.74
Inventory+ Receivables to net

Sales (days)
105.00
120.00
130.00
140.00
144.00
148.00
152.00
155.00
Figures in Italics represents estimates taken at the time of the last renewal.
PBDIT
RISK RATING RELATED RATIOS
Current Ratio
TOL/TNW (times)
PBDIT/Interest (times)
PAT/Net Sales (%)
ROCE (%) (PBDIT/TA)
INV+REC./Sales (days)
5.43
5.24
6.72
8.71
10.12
12.84
16.29
20.29
2.34
0.69
49.41
12.98
43.71
105
3.39
0.40
47.60
9.81
29.41
120
4.26
0.30
14.94
9.66
27.72
130
5.01
0.23
19.36
10.22
25.94
140
5.77
0.19
22.49
9.59
23.34
144
6.30
0.17
28.54
9.85
23.24
148
6.76
0.16
36.21
10.09
23.41
152
7.17
0.15
45.09
10.11
23.44
155
2016
2.34
0.69
49.41
12.98
43.71
105.00
2017
3.39
0.40
47.60
9.81
29.41
120.00
2018
4.26
0.30
14.94
9.66
27.72
130.00
2019
5.01
0.23
19.36
10.22
25.94
140.00
2020
5.77
0.19
22.49
9.59
23.34
144.00
2021
6.30
0.17
28.54
9.85
23.24
148.00
2022
6.76
0.16
36.21
10.09
23.41
152.00
2023
7.17
0.15
45.09
10.11
23.44
155.00
Historical Comparison
Input
Current Ratio
TOL/TNW
PBDIT/IINTT.
PAT/NET SALES
ROCE%
INV.+REC./SALES (DAYS)
INVENTORY & RECEIVABLES HOLDING LEVELS
LACS
Particulars
Raw Material : a) Indigenous
b) Imported
2016
2017
2018
2019
2020
2021
2022
2023
Proj
Proj
Proj
Proj.
Proj.
Proj.
Proj.
Proj.
IV
VI
VII
VI
VII
VI
VII
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
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

Raw Material [Overall]
Stock in Process
Finished Goods
Other Spares : a) Indigenous
Receivables : a) Domestic
b) Export
#DIV/0!
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
3.25
5.17
7.38
10.38
13.56
17.67
22.99
29.58
1.85
2.12
2.41
2.74
2.82
2.95
3.08
3.17
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
1.08
1.72
2.46
3.46
4.52
5.89
7.66
9.86

b) Imported
#DIV/0!
#DIV/0!
#DIV/0!
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
3.94
4.92
6.15
7.69
9.62
12.02
15.02
18.78
1.64
1.64
1.64
1.64
1.64
1.64
1.64
1.64
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
#DIV/0!
#DIV/0!
3.94
4.92
6.15
7.69
9.62
12.02
15.02
18.78
1.64
1.64
1.64
1.64
1.64
1.64
1.64
1.64
0.47
0.59
0.73
0.92
1.14
1.43
1.79
2.23
0.23
0.23
0.23
0.23
0.23
0.23
0.23
0.23
Other Creditors
1.60
1.51
1.86
2.46
2.88
3.70
4.74
5.94
Other Current Assets
3.57
5.48
7.83
10.43
12.85
15.67
18.71
21.91
Receivables
S. Creditors
(Figures in italics represents holding period in months.)
ABF ASSESSMENT
LACS
2016
2017
2018
2019
2020
2021
2022
2023
Particulars
Proj
Proj
Proj
Proj.
Proj.
Proj.
Proj.
Proj.
Total CA
11.84
17.30
23.83
31.97
40.55
51.25
64.38
80.13
Other CL(Except Bank Borr.)
2.07
2.10
2.59
3.37
4.03
5.13
6.53
8.18
Working Capital Gap
9.77
15.20
21.24
28.59
36.52
46.12
57.85
71.95
Net Working Capital (Act./Proj)
6.77
12.20
18.24
25.59
33.52
43.12
54.85
68.95
Assessed Bank Finance
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
NWC to TCA (%)
57.20
70.53
76.53
80.06
82.66
84.13
85.20
86.05
Bank Finance to TCA %
25.34
17.35
12.59
9.38
7.40
5.85
4.66
3.74
S. Cr. To TCA (%)
3.96
3.39
3.07
2.86
2.82
2.79
2.78
2.79
Other CL to TCA (%)
13.50
8.74
7.80
7.69
7.11
7.23
7.36
7.42
Inv. To Net sales (days)
55.00
70.00
80.00
90.00
94.00
98.00
102.00
105.00
Rec. to gross sales (days)
50.00
50.00
50.00
50.00
50.00
50.00
50.00
50.00
S. Cr. To purchases (days)
7.00
7.00
7.00
7.00
7.00
7.00
7.00
7.00
2016
2017
2018
2019
2020
2021
2022
2023
Proj
Proj
Proj
Proj.
Proj.
Proj.
Proj.
Proj.
Particulars
NWC to TCA (%)
57.20
70.53
76.53
80.06
82.66
84.13
85.20
86.05
Bank Finance to TCA %
25.34
17.35
12.59
9.38
7.40
5.85
4.66
3.74
Other CL to TCA (%)
17.46
12.12
10.88
10.56
9.94
10.02
10.14
10.21
FUND FLOW (DETAILED)

NIVI NATURALES
1
SOURCES
2016
2017
2018
2019
2020
2021
2022
2023
Proj
Proj
Proj
Proj.
Proj.
Proj.
Proj.
Proj.
a. Net Profit (After Tax)
3.73
3.53
4.34
5.74
6.73
8.64
11.06
b. Depreciation
0.11
0.09
0.08
0.06
0.05
0.05
0.04
13.87
0.03
c Increase in Capital
7.37
5.33
5.97
8.54
9.12
10.80
12.95
15.31
11.21
8.94
10.38
14.34
15.91
19.49
24.05
29.21
1.25
1.25
1.25
1.25
1.25
d. Increase In TL. Incl.public deposits

e. Decrease in
i.) Fixed Assets
ii.) Other Non Current Assets
f Others
g. Total
2
USES
a. Net Loss
b. Dec.in Term Liab. incl. Pub.Dep.
c. Increase in
i) Fixed Assets
0.70
ii) Other Non current assets

d. Dividend Payment
e Others
3.73
3.53
4.34
5.74
6.73
8.64
11.06
13.87
f Total
4.43
3.53
4.34
6.99
7.98
9.89
12.31
15.12
FUNDS FLOW STATEMENT

(Summary)
Particulars
3 I Long Term Surplus/Deficit
2016
2017
2018
2019
2020
2021
2022
2023
Proj
Proj
Proj
Proj.
Proj.
Proj.
Proj.
Proj.
6.78
5.42
6.05
7.35
7.92
9.60
11.74
14.09
11.84
5.46
6.53
8.14
8.58
10.70
13.13
15.75
5 iii Inc./Dec. in CL other than BB
2.07
0.03
0.49
0.78
0.65
1.11
1.39
1.65
6 iv Inc./Dec. in WC Gap
9.77
5.43
6.04
7.36
7.92
9.60
11.74
14.10
-3.00
-0.01
0.01
0.00
0.00
0.00
0.00
0.00
4 ii Increase/decrease in Curr. Assts.
7 v Net Surplus (+) Deficit (-)

8 vi Inc./Dec. in Bank Borrowings
3.00
FUNDS FLOW STATEMENT
Particulars
Long Term Sources
2016
2017
2018
2019
2020
2021
2022
2023
Proj
Proj
Proj
Proj.
Proj.
Proj.
Proj.
Proj.
11.21
8.94
10.38
14.34
15.91
19.49
24.05
29.21
Long Term Uses
4.43
3.53
4.34
6.99
7.98
9.89
12.31
15.12
Surplus/Deficit
6.78
5.42
6.05
7.35
7.92
9.60
11.74
14.09
Movement of TNW (Corporate)
Particulars
2016
2017
2018
2019
2020
2021
2022
2023
Proj
Proj
Proj
Proj.
Proj.
Proj.
Proj.
Proj.
Opening balance
7.37
12.70
18.67
27.21
36.33
47.13
60.08
1 Add.
i Profit/(-)Loss after Tax
3.73
3.53
4.34
5.74
6.73
8.64
11.06
13.87
ii Increase in Capital
7.37
5.33
5.97
8.54
9.12
10.80
12.95
15.31
-3.73
-3.53
-4.34
-5.74
-6.73
-8.64
-11.06
-13.87
7.37
12.70
18.67
27.21
36.33
47.13
60.08
75.39
iii Dec./(-) Inc.in Intangible Assets

iv Inc../(-) \ Dec.in Reserves
v. Adjust prior year expenses
2 Less
Div Paid(Incl.Div.Tax)/ Withdrawals
TNW
Movement of TNW (Non Corporate)
Particulars
2016
2017
2018
2019
2020
2021
2022
2023
Proj
Proj
Proj
Proj.
Proj.
Proj.
Proj.
Proj.
Opening balance
Increase in Capital #
7.37
12.70
18.67
27.21
36.33
47.13
60.08
7.37
5.33
5.97
8.54
9.12
10.80
12.95
15.31
-3.73
-3.53
-4.34
-5.74
-6.73
-8.64
-11.06
-13.87
3.64
9.17
14.33
21.47
29.60
38.49
49.02
61.52
Dec./(-) Inc.in Intangible Assets

Dec./(-) Inc.in Reserves
Closing Balance
# Net of Increse in capital+Net profit for the Year- Witdrawls
Created By: R.Singhal Chief Manager(Credit) CAC CNW LHO New Delhi
Rs in LACS
Balance Sheet First Year :

2013
LOAN OPENING BALANCE
Year
DPG 1
Open. Balance
2016
0
Table 1
LOAN DISBURSED DURING THE YEAR
As on
DPG 1
31st March Year
Q1
I
2016
0.00
II
2017
III
2018
IV
2019
V
2020
VI
2021
VII
2022
VIII
2023
IX
2024
X
2025
XI
2026
XII
2027
Total
0.00
Table 2
REPAYMENT SCHEDULE
As on
DPG 1
31st March Year
I
2016
II
2017
III
2018
IV
2019
V
2020
VI
2021
VII
2022
VIII
2023
IX
2024
X
2025
XI
2026
XII
2027
Total
Rate Of Interest %
Q1
Year
Rate Of Intt (%)
15
Q2
Q3
0.00
3.00
0.00
0.00
3.00
0.00
Q2
0.00
Q4
Q3
0.00
0.00
15.00
Q4
DPG 2
Open. Balance
2016
DPG 2
Total
3.00
2016
0.00
2017
0.00
2018
0.00
2019
0.00
2020
0.00
2021
0.00
2022
0.00
2023
0.00
2024
0.00
2025
0.00
2026
0.00
2027
3.00 Total
DPG 2
Total
Year
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 Total
3.00
=Opening Bal.+ Disbursal
Q1
Rate Of Intt (%)

15
Q2
0.00
Q1
Q3
0.00
Q2
Q4
0.00
Q3
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
0.00
0.00
0.00
15.00
0.00
Q4
Total
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
Total
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
=Opening Bal.+ Disbursal
SUMMARY
YEAR
DPG Amt./ Opening Balance
DPG Disbursed During the Yr.
DPG Repayment during Yr.
Closing Balance of the Yr.
Intt For the Yr.
Loan Disbursed During the Year

Open
Balance
DPG 1
0.00
DPG 2
0.00
DPG 3
0.00
DPG 4
0.00
DPG 5
0.00
DPG 6
0.00
DPG 7
0.00
DPG 8
0.00
DPG 9
0.00
DPG 10
0.00
Total
0.00
2016
I
0.00
3.00
0.00
3.00
0.11
2017
II
3.00
0.00
0.00
3.00
0.45
2016
2018
III
3.00
0.00
0.00
3.00
0.45
2026
XI
3.00
0.00
0.00
3.00
0.00
2027
XII
3.00
0.00
0.00
3.00
0.00
2025
2027
XII
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2027
XII
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
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
2016
I
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2017
II
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2018
III
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2019
IV
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2020
V
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2021
VI
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2022
VII
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2023
VIII
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2024
IX
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2025
X
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2026
XI
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
VII
2023
2025
X
3.00
0.00
0.00
3.00
#VALUE!
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
VI
2022
2024
IX
3.00
0.00
0.00
3.00
#VALUE!
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2021
2023
VIII
3.00
0.00
0.00
3.00
#VALUE!
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
IV
2020
2022
VII
3.00
0.00
0.00
3.00
#VALUE!
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
III
2019
2021
VI
3.00
0.00
0.00
3.00
#VALUE!
3.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
3.00
II
2018
2020
V
3.00
0.00
0.00
3.00
0.45
2026
XI
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2017
2019
IV
3.00
0.00
0.00
3.00
0.45
VIII
2024
IX
Loan repayment Schedule
DPG 1
DPG 2
DPG 3
DPG 4
DPG 5
DPG 6
DPG 7
DPG 8
DPG 9
DPG 10
Total
Total
3.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Total
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
NIVI NATURALES
TABLE A DSCR STATEMENT
Particulars
Net Sales
Sources
Net Cash Accrual
TL Interest
Total Sources
Obligations
TL Instalment
TL Interest
Total Uses
Gross DSCR
Average GDSCR
Net DSCR
Average NDSCR
Rs. in LACS
2016
2017
I
II
28.75
35.94
3.84
3.84
-
3.61
3.61
-
2018
III
44.92
2019
IV
56.15
2020
V
70.19
2021
VI
87.74
2022
VI
109.67
2023
VI
137.09
4.41
4.41
5.80
5.80
6.79
6.79
8.69
8.69
11.10
11.10
13.90
13.90
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
As on 31st March
Rs in
LACS
2016
2017
I
II
0.70
0.70
0.00
0.00
0.70
0.70
100.00
100.00
2018
III
0.70
0.00
0.70
100.00
2019
2020
IV
V
0.70
0.70
0.00
0.00
0.70
0.70
100.00
100.00
100.00
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
2021
VI
0.70
0.00
0.70
100.00
2022
VI
0.70
0.00
0.70
100.00
2023
VI
0.70
0.00
0.70
100.00
TABLE B
MARGIN OF SECURITY
Particulars
WDV of Fixed Assets
TL Outstandings
Margin
Security Margin
Average Security Margin
58.14
58.14
#DIV/0!
#DIV/0!
800.00
unit Name:
NIVI NATURALES
Depriciation Chart:
Rate of Depriciation:
Building : 10%
Others : 15%
2016
2017
2018
2019
2020
2021
2022
2023
Land:
Opening:
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Additions
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Gross
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Depreciation
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Block
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Opening:
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Additions
0.00
Gross
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Depreciation
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Block
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Opening:
0.70
0.60
0.51
0.43
0.37
0.31
0.26
0.22
Additions
0.00
Gross
0.70
0.60
0.51
0.43
0.37
0.31
0.26
0.22
Depreciation
0.11
0.09
0.08
0.06
0.05
0.05
0.04
0.03
Net Block
0.60
0.51
0.43
0.37
0.31
0.26
0.22
0.19
Total Gross
0.70
0.60
0.51
0.43
0.37
0.31
0.26
0.22
Total Depriciation
Total additions
Bill Value of FA
0.11
0.00
0.70
0.09
0.00
0.70
0.08
0.00
0.70
0.06
0.00
0.70
0.05
0.00
0.70
0.05
0.00
0.70
0.04
0.00
0.70
0.03
0.00
0.70
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Particulars of Guarantor/Co-oblligant

NF 589/ 1L(50) /2013-08/ Bhagyam

2 Father's Name/Husband's Name:

3 Age (In years)

Whether related to the borrower/other co-obligant/guarantor /

28/13,BYEPASS ROAD -621211

Particulars of Assetrs Owned by Co-oblligant /Guarantor

Cash and Bank Bal

Inv in Busi/Inv in Asso

Location & Boundaries

Particulars of Assetrs Standing in the Name of the Applicant (Borrower)

Cash and Bank Bal

Inv in Busi/Inv in Asso

SI.No Description of property

Signature /LTI of Applicant (Borrower)

1 I / Name of the firm in which the gurantor/co-obligant is interested

3 Confidential Reports from Banks:

Manager /Senior Manager

APPLICATION FORM FOR THE LOANS TO MICRO & SMALL ENTERPRISES(MSEs)

1 NAME OF THE ENTERPERENEUR

2 REGD. OFFICE ADDRESS

28/13,BYEPASS ROAD -621211

3 ADDERSS OF THE FACTORY/SHOP

28/13,BYEPASS ROAD -621211

11 NAME OF THE PROPERITOR/PARTNER/DIRECTORS OF THE COMPANY/KEY FUNCTIONARY &THEIR ADDRESS

HERBAL PRODUCT RETAILER

HERBAL PRODUCT RETAILER

13 NAME OF THE ASSOCIATE CONCERNS AND NATURE OF ASSOCIATION

14 PRESENT BANKER/ BANKING WITH

B. RELATION OF THE PROP/PARTNER/DIRECTORWITH THE OFFIVIALS OF THE BANK /

17 CREDIT FACILITY (EXISTING)

18 CREDIT FACILITY (REQUESTED / REQUIRED)( IN LAKHS)

PURPOSE FOR WHICH

TYPE OF ASSET PURPOSE FOR WHICH

NEED FOR THE

19 WHETHER WILLING TO OFFER COLLATERAL SECURITY :

22 STATUS REGARDING STATUTORY OBLIGATIONS

Registration under Shops & Establishment

Registration under SSI (Provisional/Final)

Latest Sales Tax Return filed

Latest Income Tax Return filed

Clearance from Pollution Control

23 SPACE FOR PHOTO/S

SIGNATURES OF THE PROPRIETOR/PARTNER/DIRECTOR WHOSE PHOTO IS AFFIXED ABOVE

PROFIT & LOSS ANALYSIS

Raw Material Consumption

ADD :: Opening R.M. + W.I.P.

ADD :: Other Income

BALANCE SHEET ANALYSIS

Total Net Worth

Term Loan Bank /Institution

Total Term Liability

Total Current Liabilities

Net Fixed Assets

Total Current Assets

MPBF Method - Up to Rs.25 Cr

Margin: 25 % of C.A. or NWC

ASSESSMENT OF WORKING CAPITAL REQUIREMENT

FORM II : OPERATING STATEMENT

estimates for the year ending 31st March

Domestic sales (Regular sales)

Less excise duty

Net sales ( item 1 - item 2 )