Professional Documents
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By Rajeev Kumar
PF No. 304698
Company Profile
Credit Facility
CC limit:
Term loan:
Sanctioning Authority:
25 lac
53 lac
DGM
CC limit:
Sanctioning Authority
70 lac
DGM
Documentation before
Sanction
Pre-Sanction Appraisal
Financial Analysis
Partners capital/TNW
The partners capital remained at Rs. 71.62 Lac as at
31.03.2010 as against Rs. 61.37 Lac as at 31.03.2009.
Sales
The actual turnover for the year 2009-10 remained at
Rs. 248.07 Lac as against Rs. 190.81 Lacs for the
previous year depicting increase of 30.52%. However,
the actual sale was low than estimated 313.5 lacs
remained low on account of delay in start of production
for corrugated boxes
Profitability:
Despite actual low sale vis--vis estimated for the year, the
remained at Rs. 48.00 Lac as against estimated of Rs. 46.99 Lac.
The cash profit during year ended 31.03.2010 remained at Rs.
59.36 Lac.
For the current year ending 31.03.2011, the PBT and Cash
Accruals is estimated at Rs. 48.82 Lac and Rs. 58.29 respectively.
Current ratio: The current ratio is 1.59 at 31.03.2010 remained
much above the benchmark with slippage vis--vis as at
31.03.2009 on account of higher level of current assets &
liabilities
Debt Equity Ratio: The debt equity ratio remained at 0.65
The overall working results and financial position of the firm
remained satisfactory.
Months Holding
now estimated
Raw Material
2.00M
1.00 M
21.17
Stock-in-process
0.30M
--
--
Finished Goods
0.50M
0.60 M
14.52
Consumable
3.00M
LS
00.32
Sundry Debtors
2.00M
3.00 M
90.00
Item
126.01
4.67
Sundry Creditors
Other current Liabilities
135.76
00.45M
01.25 M
26.47
02.50
106.79
33.94
36.80
70.00
Security
A. Primary
For working capital limits:
Hypothecation of stocks i.e. raw material, stock in process,
finished goods and consumable stores.
Hypothecation of debtors arising out of genuine Trade
transactions
B. Collateral :
Name of
Guarantor
Parvinder Singh
Gurmeet Singh
217.62
Ravdeep Singh
05
Raminder Singh
03
Strong Points
Justification
Thank You