sunny tran cma

7/31/2019 Sunny Tran Cma

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Audited

2010

I. PROFIT AND LOSS ACCOUNT:

SALES:

(i) Transport Charges Received 332.82

(ii) Other Income 3.2

GROSS SALES: 336.02LESS: Excise duty 0.00

ADD: Other Operating Income 0.00

NET SALES: 336.02

Increase in Net Sales (%) #VALUE!

COST OF SALES:

(i) Raw materials 0.00

A. Imported

B. Indigenous 0.00

(ii) Other Spares

A. Imported

B. Indigenous

(iii) Power & Fuel 0.00

(iv) Direct Expenses 182.29

(v) Other Manuf. Expenses 0.00

(vi) Depreciation 16.51

(vii) Repairs & Maintenance 0.00

(viii) Octroi and freight 0.00SUB TOTAL: 198.80

ADD: Opening Stock in Process

DEDUCT: Closing Stock in Process

COST OF PRODUCTION: 198.80

C O P as % of Gross Sales 0.00%

ADD: OP Stock of Finished Goods 0.00

I. PROFIT AND LOSS ACCOUNT


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DEDUCT: CL Stock of Finished Goods 0.00

COST OF SALES: 198.80

Cost of Sales as % of Gross Sales 0.00%

Selling, General & Admn. Expenses 135.14

PROFIT BEFORE INTEREST & TAX (PBIT) 2.08PBIT as % of Gross Sales 0.00%

Interest & Other Financial Charges 0.00

Intt. & Fin. Charges as % of Sales 0.00%

OPERATING PROFIT BEFORE TAX (PBT) 2.08

PBT as % of Gross Sales 0.00%

ADD: Other Nonoperative Income

(i) Interest & dividend 0.00

(ii) Exchange Profit/ Export Incentives 0.00

(iii) Exchange Prov Written Back 0.00(iv) Profit on sale of assets 0.00

(v) Sale of Scrap 0.00

SUB-TOTAL (INCOME) 0.00

Deduct Other Non-operating Exp.

(i) Loss on Invst 0.00

(ii) Loss on Forex 0.00

(iii) Loss on Sale of Fixed Assets 0.00

(iv) Bad Debts W/ Off 0.00

(v) Prel. Exp. Written Off 0.00

SUB-TOTAL (EXPENSES) 0.00

PROFIT BEFORE TAX / LOSS 2.08

Tax Paid

Provision for Taxes 0.64

NET PROFIT/LOSS (PAT) 1.44

PAT as % of Gross Sales 0.00%

DRAWINGS 0.00

(ii) Rate 0.00%RETAINED PROFIT 1.44

II. BALANCE SHEET


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LIABILITIES:Audited

CURRENT LIABILITIES: 2010

Short Term borrowings from banks

(including bill purchased/discounted)(i) from applicant bank 0.00

(ii) from other banks 0.00

(iii) (of which Bill purchased & disc.) LC

SUB-TOTAL 0.00

Short Term Borrowings from others

Sundry Creditors (Trade) 7.59

Adv payment fm cust / dep fm dealers 29.87

Provision for TAxation 0.00

Dividend payable 0.00Other Statutory Liabilities (Due within One

Year) 0.00

Instalments of Term loans (Indusland Bank &

Cholamadalam) 0.00

OtherC.L. & Prov (due within 1 year) 0.00

Interest accrued bot not due 0.00

Dues to Directors 0.00

Security Dep- Suppliers and Contractors 0.00

Other Current Liabilities

Other Provisions 2.11

SUB-TOTAL 39.57

TOTAL CURRENT LIABILITIES 39.57

TERM LIABILITIES

Debentures (not maturing within 1 year)

Term Loans Arihant Co-operative Bank 8.64

Term Loans from Other Bank 44.74

Term Deposits ( repayable after 1 year)

Unsecured loans(Quasi Equity) 0.21

Mobilisation Advace repayable after1 year

Deferred Sales Tax 0.00


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Car Loan 23.49

TOTAL TERM LIABILITIES 77.08

Ordinary share capital 2.02

Preference Share CapitalReserve & Surplus in P/L Account 30.78

Capital Reserve

Surplus(+) or deficit (-) in P & L Account 1.44

Share Application Money

Security Premium

Share Premium

Capital redemption reserve

NET WORTH 34.24

TOTAL LIABILITIES 150.89

ASSETS:Audited

CURRENT ASSETS 2010

Cash and Bank Balances 9.03

Investments (Other than Long Term)

(i) Cash Advance to Drivers 0.00

(ii) Fixed deposits with banks

RECEIVABLES 0.00

Domestic Sales 0.00

Export Recv( Incl. B/P& Disc by banks) 0.00

INVENTORY 0.00Raw Material - Indigenous

Raw Material - Imported

Consumables Spares-Indigenous

Stock in process 0.00

Finished Goods 0.00

Goods in Transit


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Cl Stock of Traded goods

Stores & Spares

Advance to suppliers of raw material

Other Current Assets:

(i) Deposits(ii) Taxes Receivables

(iii) Sundry Debtors 7.30

(iv) Prepaid Expenses

(v) Advances & Deposits 57.79

TOTAL CURRENT ASSETS 74.12

FIXED ASSETS

(i) Truck 75.87

(ii) Typewritter 0.01

(iii) Scooter 0.03(iii) Computer & Printer 1.37

(iv) Office Equipment 0.00

(v) Furniture & Fixtures 17.30

(vi) Air Conditioner 0.15

(vii) Motor Car 64.20

Depreciation 83.31

(ix) Other

(x) Capital WIP/ Interest Capitalized

NET BLOCK 75.63

OTHER NON CURRENT ASSETS

(i) Investments in Subsidiary companies/

Affiliates 1.14

(ii) Other Investments

(iii) Adv to supplof Cap Goods/Contractors

(iv) Deferred receivables(maturity > 1 year)(v) Pre-Operative Expenses Written off 0.00

(vi) Debtors exceedings 6 months

(vii) Short Term Deposits with Bodies Corporate

(viii) Non-consummable stores & spares

(ix) Other Non current assets incl. dues from

directors


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TOTAL OTHER NON CURRENT ASSETS 1.14

Intangible Assets (patents, goodwill, prelim.

expenses, bad/doubtfull expenses not

provided for) 0.00

TOTAL ASSETS 150.89

Total Liabilities - Total Assets 0.00

BUILD UP OF CURRENT ASSETSAudited

2010

Raw Material - Indigenous 0.00

Month's Consumption #DIV/0!

Raw Material - Imported 0.00Month's Consumption #DIV/0!

Consumable spares indigenous 0.00


Consumable spares- Imported 0.00


Stock in process 0.00

Month's Cost of Production 0.00

Finished Goods 0.00

Month's Cost of Sales 0.00

Receivables (Domestic) other than.deferred

& exports (Incl. bills purchased & discounted

by banks) 0.00

Month's Domestic Sales #DIV/0!

Export Recv.(Incl. bills purchased &

discounted by banks) 0.00

Month's Export Sales #REF!

BUILD UP OF CURRENT LIABILITY

(Other Than Bank Borrowings for Working

Capital)

Creditors for Purchases of RM 7.59

Month's Purchases #DIV/0!


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Quick Ratio 1.87

PBDIT/Sales (%) 5.53%

PBIT / Net Sales (%) 0.62%

PBT / Net Sales (%) 0.62%Net Profit/ Sales (%) 0.43%

Return on Assets (%) 0.95%

Retained Profits / Net Profits (%) 100.00%

Return on Net Worth(%) 4.21%

Recv. Turnover - Domestic 0

Recv. Turnover - Export #REF!

Inventory Turnover 0

Accounts Payables Turnover #DIV/0!Fixed Assets Turnover Ratio 5.76

Net Sales Growth (%) #VALUE!

Net Profit Growth (%) #REF!

Net Worth Growth (%) #VALUE!

TOL / TNW 3.41

Interest Cover #DIV/0!

DER 2.25

FACR 0.98

V. FUNDS FLOW STATEMENT

2009

Audited

Profit After Tax #REF!

Depreciation 16.51

Dividends 1.44Funds From Operations #REF!

Long Term Sources:

Change in Capital #VALUE!

Net Change in Reserve #VALUE!

Change in Term Loans #VALUE!

Total [Source(+) / Deficit(-)] #REF!


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Long Term Uses:

Net Change in Fixed Assets #VALUE!

Change in Other Non Current

. Assets (including Investments) #VALUE!

Change in Investments in Group Cos. #VALUE!Change in Intangibles #VALUE!

Contribution to Working Capital #REF!

Chort Term Uses

Change in Net Working Assets #REF!

Change in Other Current Assets #VALUE!

Short Term Sources

Change in Other Current Liabilities #VALUE!

Change in Bank Borrowings/Loans #VALUE!

Net Deficit/ Surplus in S T Sources #VALUE!

Net Movement in Liquid Assets #REF!

Change in cash #VALUE!

Change in Marketable Investments #VALUE!

Net Movement in Liquid Assets #VALUE!

VI. CASH FLOW STATEMENT

Operating Sector

Sales 336.02

Debtors (Trade) #VALUE!

Cash From Sales #VALUE!

Costs- Interest & Finance Charges 0.00

Expenses on Stocks Purchases 0.00

Trade Creditors #VALUE!

Manufacturing Expenses 182.29

Cash Cost of Sales #VALUE!

Expenses for Inc. / Dec. in Stocks #VALUE!Cash from Aset Conversion Cycle #VALUE!

Selling, Gen. & Adm. Expenses 0.00

Advance Payments #REF!

Advances Received #VALUE!

Taxation 2.08

Dividends 1.44


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Cash From Operations #VALUE!

Other Current Assets #VALUE!

Other Current Liabilities #VALUE!

Other Income/Expenses(Net) 0.00

Net Cash From Operations #VALUE!Investment Sector

Capital Expenditure #VALUE!

Investment in Group Comp's #VALUE!

Intang,/Other Term Assets #VALUE!

Cash Before Funing #VALUE!

Financing Sector

Dues to Banks #VALUE!

Short Term Debts #VALUE!

Term Debts #VALUE!Equity #VALUE!

Other Loans & Reserves #VALUE!

Total #VALUE!

Movement in Cash Assets #VALUE!

Cash & Bank Balance #VALUE!

Investments (Other Than Long Term) #VALUE!

Movement in Cash Assets #VALUE!


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Audited Provisional Provisional Provisional Provisional

2011 2012 2013 2014 2015

390.34 467.67 0.00 0.00 0.00

1.05 2

391.39 469.67 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

391.39 469.67 0.00 0.00 0.00

16.48% 20.00% -100.00% #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

230.99 277.18 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

11.01 8.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00242.00 285.18 0.00 0.00 0.00

242.00 285.18 0.00 0.00 0.00

61.83% 60.72% #DIV/0! #DIV/0! #DIV/0!

0.00 0.00 0.00 0.00 0.00


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0.00 0.00 0.00 0.00 0.00

242.00 285.18 0.00 0.00 0.00

61.83% 60.72% #DIV/0! #DIV/0! #DIV/0!

146.74 170.00 0.00 0.00 0.00

2.65 14.49 0.00 0.00 0.000.68% 3.09% #DIV/0! #DIV/0! #DIV/0!

0.00 7.55 0.00 0.00 0.00

0.00% 1.61% #DIV/0! #DIV/0! #DIV/0!

2.65 6.94 0.00 0.00 0.00

0.68% 1.48% #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 0.000.00 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

2.65 6.94 0.00 0.00 0.00

3.00

0.82 0.00 0.00 0.00 0.00

1.83 3.94 0.00 0.00 0.00

0.47% 0.84% #DIV/0! #DIV/0! #DIV/0!

0.00 0.00 0.00 4.00 6.00

0.00% 0.00% 0.00% 0.00% 0.00%1.83 3.94 0.00 -4.00 -6.00


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2011 2012 2013 2014 2015

0.00 50.00 50.00 50.00 50.00

18.36 0.00 0.00 0.00 0.00

18.36 50.00 50.00 50.00 50.00

9.38 14.00 19.00 22.00 24.00

17.46 10.00 18.00 19.00 20.00

0.00 0.00 3.00 4.00 5.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 5.48 2.65 1.81

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

2.93 3.10

29.77 27.10 45.48 47.65 50.81

48.13 77.10 95.48 97.65 100.81

6.12 0.00 0.00 0.00 0.00

38.14 47.00 8.61 4.24 0.83

0.00 0.00 0.00 0.00 0.00


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0.00 0.00

44.26 47.00 8.61 4.24 0.83

2.02 2.02 2.02 2.02 2.02

32.22 34.05 40.89 50.16 65.51

1.83 3.94 0.00 0.00 0.00

36.07 40.01 42.91 52.18 67.53

128.46 164.11 147.00 154.07 169.17

Audited Provisional Estimated Projected Projected

2011 2012 2013 2014 2015

10.57 6.37 3.36 1.52 1.57

0.00 0.00 10.92 11.00 12.00

0.00 0.00 30.00 37.00 40.00

0.00 0.00 35.00 41.00 46.00

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


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5.95 20.00

56.55 61.00 78.00 89.00 95.00

73.07 87.37 127.28 142.52 154.57

75.87 110.00 75.87 75.87 81.87

0.01 0.01 0.01 0.01 0.01

0.03 0.03 0.03 0.03 0.031.58 1.35 1.58 1.58 3.58

0.00 0.00 0.00 0.00 0.00

17.41 17.35 17.41 17.41 19.41

0.15 0.12 0.15 0.15 0.15

47.25 43.64 26.70 26.70 26.70

94.32 96.90 103.17 111.34 118.29

47.98 75.60 18.58 10.41 13.46

1.14 1.14 1.14 1.14 1.14

0.00 0.00 0.00 0.00 0.00


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1.14 1.14 1.14 1.14 1.14

0.00 0.00 0.00 0.00 0.00

122.19 164.11 147.00 154.07 169.17

6.27 0.00 0.00 0.00 0.00

Audited Provisional Estimated Projected Projected

2011 2012 2013 2014 2015

0.00 0.00 0.00 0.00 0.00

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

0.00 0.00 0.00 0.00 0.00#DIV/0! #DIV/0! #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 0.00 #DIV/0! #DIV/0! #DIV/0!

0.00 0.00 0.00 0.00 0.00

0.00 0.00 #DIV/0! #DIV/0! #DIV/0!

0.00 0.00 35.00 41.00 46.00

#REF! #REF! #REF! #REF! #REF!

0.00 0.00 0.00 0.00 0.00


9.38 14.00 19.00 22.00 24.00



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E

2011 2012 2013 2014 2015

Audited Provisional Provisional Provisional Provisional73.07 87.37 127.28 142.52 154.57

29.77 27.10 40.00 45.00 49.00

43.30 60.27 87.28 97.52 105.57

18.27 21.84 31.82 35.63 38.64

24.94 10.27 37.28 47.52 55.57

25.03 38.43 55.46 61.89 66.9318.36 50.00 50.00 50.00 50.00

18.36 38.43 50.00 50.00 50.00

NIL 11.57 NIL NIL NIL

2011 2012 2013 2014 2015


A. PROFILE ANALYSIS

122.19 164.11 147.00 154.07 169.17

92.39 124.10 104.09 101.89 101.64

36.07 40.01 42.91 52.18 67.53

391.39 469.67 0.00 0.00 0.00

157.75 22.49 0.00 0.00 0.00

146.74 14.49 0.00 0.00 0.00

1.83 3.94 0.00 0.00 0.0012.84 11.94 0.00 0.00 0.00

24.94 10.27 31.80 44.87 53.76

34.13% 11.75% 24.98% 31.48% 34.78%

B. LIQUIDITY ANALYSIS

1.52 1.13 1.33 1.46 1.53


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1.52 1.13 1.33 1.46 1.53

C. PROFITABILITY ANALYSIS

40.31% 4.79% #DIV/0! #DIV/0! #DIV/0!

37.49% 3.09% #DIV/0! #DIV/0! #DIV/0!

0.00% 1.48% #DIV/0! #DIV/0! #DIV/0!0.47% 0.84% #DIV/0! #DIV/0! #DIV/0!

1.50% 2.40% 0.00% 0.00% 0.00%

100.00% 100.00% #DIV/0! #DIV/0! #DIV/0!

5.07% 9.85% 0.00% 0.00% 0.00%

D. ACTIVITY ANALYSIS( IN DAYS)

0 0 #DIV/0! #DIV/0! #DIV/0!


0 0 #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!8.81 10.58 0.00 0.00 0.00

E. GROWTH RATIOS

16.48% 20.00% -100.00% #DIV/0! #DIV/0!

#REF! #REF! -100.00% #DIV/0! #DIV/0!

5.34% 10.92% 7.25% 21.60% 29.42%

F. LEVERAGE & OTHER RATIOS

3.10 2.43 1.95 1.51

23298.78 2.98 #DIV/0! #DIV/0! #DIV/0!

1.23 1.17 0.20 0.08 0.01

1.08 1.61 2.16 2.46 16.22

2010 2011 2012 2013 2014


#REF! 3.94 0.00 0.00 0.00

11.01 8.00 0.00 0.00 0.00

1.83 0.00 0.00 4.00 6.00#REF! 11.94 0.00 -4.00 -6.00

0.00 0.00 0.00 0.00 0.00

#REF! 0.00 2.90 13.27 21.35

-32.82 2.74 -38.39 -4.37 -3.41

#REF! 14.68 -35.49 4.90 11.94


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-16.64 35.62 -57.02 -8.17 3.05

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

#REF! -20.94 21.53 13.07 8.89


-2.59 18.50 -3.00 11.00 6.00

-9.80 -2.67 18.38 2.17 3.16

18.36 31.64 0.00 0.00 0.00



1.54 -4.20 -3.01 -1.84 0.05

0.00 0.00 10.92 0.08 1.00

1.54 -4.20 7.91 -1.76 1.05

391.39 469.67 0.00 0.00 0.00

0.00 0.00 35.00 #REF! #REF!

391.39 469.67 -35.00 #REF! #REF!

0.01 7.55 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

-1.79 -4.62 -5.00 -3.00 -2.00

230.99 277.18 0.00 0.00 0.00

229.21 280.11 -5.00 -3.00 -2.00

0.00 0.00 0.00 0.00 0.00162.18 189.56 -30.00 #REF! #REF!

0.62 170.00 0.00 0.00 0.00


12.41 7.46 -8.00 -1.00 -1.00

2.65 3.00 0.00 0.00 0.00

1.83 0.00 0.00 4.00 6.00


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-2.59 18.50 -3.00 11.00 6.00

-0.82 -0.17 -5.38 1.83 -0.16

0.00 0.00 0.00 0.00 0.00


-16.64 35.62 -57.02 -8.17 3.05

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00


18.36 31.64 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

-32.82 2.74 -38.39 -4.37 -3.410.00 0.00 0.00 0.00 0.00

#REF! 0.00 2.90 13.27 21.35

#REF! 34.38 -35.49 8.90 17.94


1.54 -4.20 -3.01 -1.84 0.05

0.00 0.00 10.92 0.08 1.00

1.54 -4.20 7.91 -1.76 1.05


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Rs lacs

Projected

2016

0.00

0.000.00

0.00

0.00

#DIV/0!

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.000.00

0.00

#DIV/0!

0.00


22/49

0.00

0.00

#DIV/0!

0.00

0.00#DIV/0!

0.00

#DIV/0!

0.00

#DIV/0!

0.00

0.00

0.00b

0.00

#VALUE!

0.00

0.00

0.00

0.00

0.00

0.00

#VALUE!

0.00

#VALUE!

#VALUE!

8.00

0.00%#VALUE!


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Projected

2016

50.00

0.00

50.00

26.00

21.00

6.00

0.00

0.00

0.57

0.00

0.00

0.00

0.00

53.57

`

0.00

0.00

0.00


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0.00

2.02

86.99

0.00

89.01

#VALUE!

Projected

2016

1.90

13.00

57.00

57.00

0.00

0.00

0.00

0.00


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107.00

178.90

87.87

0.01

0.033.58

0.00

19.41

0.15

26.70

125.21

12.54

1.14

0.00


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1.14

0.00

192.58

#VALUE!

Projected

2016

0.00

#DIV/0!

0.00#DIV/0!

0.00

#DIV/0!

0.00

#DIV/0!

0.00

#DIV/0!

0.00

#DIV/0!

57.00

#REF!

0.00

#REF!

26.00

#DIV/0!


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2016

Projected178.90

53.00

125.90

44.73

#VALUE!

81.18#VALUE!

#VALUE!

#VALUE!

2016

Projected

192.58

#VALUE!

89.01

0.00

0.00

0.00

#VALUE!#VALUE!

#VALUE!

#VALUE!

#VALUE!


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#VALUE!

#DIV/0!

#DIV/0!

#VALUE!#VALUE!

#VALUE!

#VALUE!

#VALUE!

#DIV/0!

#REF!

#DIV/0!

#DIV/0!0.00

#DIV/0!

#VALUE!

31.81%

#VALUE!

#DIV/0!

0.00

#DIV/0!

2015

Projected

#VALUE!

0.00

8.00#VALUE!

0.00

#VALUE!

-0.83

#VALUE!


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-0.92

0.00

0.000.00

#VALUE!

#REF!

12.00

2.76

0.00

#REF!

#VALUE!

0.33

1.00

1.33

0.00

11.00

-11.00

0.00

0.00

-2.00

0.00

-2.00

0.00-9.00

0.00

#REF!

-1.00

0.00

8.00


30/49


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Enter loan amount 890000

ROI (p.a.) 9.00%

Term in years 3

EMI (monthly rest) 28,301.76

EMI (Yearly) 339621.1448

Amortization schedule

Month Opening Interest Principal Closing Yearly principal Amt

1 890000 6675 21627 868373

2 868373 6513 21789 846584

3 846584 6349 21952 824632

4 824632 6185 22117 802515

5 802515 6019 22283 780232

6 780232 5852 22450 7577827 757782 5683 22618 735164

8 735164 5514 22788 712376

9 712376 5343 22959 689417

10 689417 5171 23131 666285

11 666285 4997 23305 642981

12 642981 4822 23479 619501

13 619501 4646 23656 595846

14 595846 4469 23833 572013

15 572013 4290 24012 548001

16 548001 4110 24192 523810

17 523810 3929 24373 499436

18 499436 3746 24556 474880

19 474880 3562 24740 450140

20 450140 3376 24926 425215

21 425215 3189 25113 400102

22 400102 3001 25301 374801

23 374801 2811 25491 349310

24 349310 2620 25682 323628

25 323628 2427 25875 297754

26 297754 2233 26069 271685

27 271685 2038 26264 24542128 245421 1841 26461 218960

29 218960 1642 26660 192300

30 192300 1442 26860 165441

31 165441 1241 27061 138380

32 138380 1038 27264 111116

33 111116 833 27468 83647

34 83647 627 27674 55973

252619

276316

65368


32/49

35 55973 420 27882 28091

36 28091 211 28091 0

37 0 0 0 0

38 0 0 0 0

39 0 0 0 0

40 0 0 0 041 0 0 0 0

42 0 0 0 0

43 0 0 0 0

44 0 0 0 0

45 0 0 0 0

46 0 0 0 0

47 0 0 0 0

48 0 0 0 0

49 0 0 0 0

50 0 0 0 0

51 0 0 0 0

52 0 0 0 0

53 0 0 0 0

54 0 0 0 0

55 0 0 0 0

56 0 0 0 0

57 0 0 0 0

58 0 0 0 0

59 0 0 0 0

60 0 0 0 0

61 0 0 0 062 0 0 0 0

63 0 0 0 0

64 0 0 0 0

65 0 0 0 0

66 0 0 0 0

67 0 0 0 0

68 0 0 0 0

69 0 0 0 0

70 0 0 0 0

71 0 0 0 0

72 0 0 0 0

73 0 0 0 0

74 0 0 0 0

75 0 0 0 0

76 0 0 0 0

77 0 0 0 0

78 0 0 0 0

0

245421

0

0


33/49

79 0 0 0 0

80 0 0 0 0

81 0 0 0 0

82 0 0 0 0

83 0 0 0 0

84 0 0 0 085 0 0 0 0

86 0 0 0 0

87 0 0 0 0

88 0 0 0 0

89 0 0 0 0

90 0 0 0 0

91 0 0 0 0

92 0 0 0 0

93 0 0 0 0

94 0 0 0 0

95 0 0 0 0

96 0 0 0 0

97 0 0 0 0

98 0 0 0 0

99 0 0 0 0

100 0 0 0 0

101 0 0 0 0

102 0 0 0 0

103 0 0 0 0

104 0 0 0 0

105 0 0 0 0106 0 0 0 0

107 0 0 0 0

108 0 0 0 0

109 0 0 0 0

110 0 0 0 0

111 0 0 0 0

112 0 0 0 0

113 0 0 0 0

114 0 0 0 0

115 0 0 0 0

116 0 0 0 0

117 0 0 0 0

118 0 0 0 0

119 0 0 0 0

120 0 0 0 0

121 0 0 0 0

122 0 0 0 0


34/49

123 0 0 0 0

124 0 0 0 0

125 0 0 0 0

126 0 0 0 0

127 0 0 0 0

128 0 0 0 0129 0 0 0 0

130 0 0 0 0

131 0 0 0 0

132 0 0 0 0

133 0 0 0 0

134 0 0 0 0

135 0 0 0 0

136 0 0 0 0

137 0 0 0 0

138 0 0 0 0

139 0 0 0 0

140 0 0 0 0

141 0 0 0 0

142 0 0 0 0

143 0 0 0 0

144 0 0 0 0

145 0 0 0 0

146 0 0 0 0

147 0 0 0 0

148 0 0 0 0

149 0 0 0 0150 0 0 0 0

151 0 0 0 0

152 0 0 0 0

153 0 0 0 0

154 0 0 0 0

155 0 0 0 0

156 0 0 0 0

157 0 0 0 0

158 0 0 0 0

159 0 0 0 0

160 0 0 0 0

161 0 0 0 0

162 0 0 0 0

163 0 0 0 0

164 0 0 0 0

165 0 0 0 0

166 0 0 0 0


35/49

167 0 0 0 0

168 0 0 0 0

169 0 0 0 0

170 0 0 0 0

171 0 0 0 0

172 0 0 0 0173 0 0 0 0

174 0 0 0 0

175 0 0 0 0

176 0 0 0 0

177 0 0 0 0

178 0 0 0 0

179 0 0 0 0

180 0 0 0 0

181 0 0 0 0

182 0 0 0 0

183 0 0 0 0

184 0 0 0 0

185 0 0 0 0

186 0 0 0 0

187 0 0 0 0

188 0 0 0 0

189 0 0 0 0

190 0 0 0 0

191 0 0 0 0

192 0 0 0 0

193 0 0 0 0194 0 0 0 0

195 0 0 0 0

196 0 0 0 0

197 0 0 0 0

198 0 0 0 0

199 0 0 0 0

200 0 0 0 0

201 0 0 0 0

202 0 0 0 0

203 0 0 0 0

204 0 0 0 0

205 0 0 0 0

206 0 0 0 0

207 0 0 0 0

208 0 0 0 0

209 0 0 0 0

210 0 0 0 0


36/49

211 0 0 0 0

212 0 0 0 0

213 0 0 0 0

214 0 0 0 0

215 0 0 0 0

216 0 0 0 0217 0 0 0 0

218 0 0 0 0

219 0 0 0 0

220 0 0 0 0

221 0 0 0 0

222 0 0 0 0

223 0 0 0 0

224 0 0 0 0

225 0 0 0 0

226 0 0 0 0

227 0 0 0 0

228 0 0 0 0

229 0 0 0 0

230 0 0 0 0

231 0 0 0 0

232 0 0 0 0

233 0 0 0 0

234 0 0 0 0

235 0 0 0 0

236 0 0 0 0

237 0 0 0 0238 0 0 0 0

239 0 0 0 0

240 0 0 0 0


37/49

Yearly Intrest Amt

58700

35003

19537


38/49

0

9295

0

0


39/49

DEBT SERVICE COVERAGE RATIO

INTEREST CALCULATION

2011 2012

Profit After Tax

Depreciation

Interest on Term Loan

Total (A) - -

Interest on Term Loan

Installment due with in a year

Total (B) - -

DSCR #DIV/0! #DIV/0!

Total DSCR

Average DSCR


40/49

13 %

2013 2014 2015 2016 2017

-

- - - - -

-

- - - - -


#DIV/0!

#DIV/0!


41/49

Enter loan amount 274000

ROI (p.a.) 11.52%

Term in years 3

EMI (monthly rest) 9,038.03

EMI (Yearly) 108456.3868

Amortization schedule

Month Opening Interest Principal Closing Yearly principal Amt

1 274000 2630 6408 267592

2 267592 2569 6469 261123

3 261123 2507 6531 254592

4 254592 2444 6594 247998

5 247998 2381 6657 241341

6 241341 2317 6721 234620

7 234620 2252 6786 2278348 227834 2187 6851 220983

9 220983 2121 6917 214067

10 214067 2055 6983 207084

11 207084 1988 7050 200033

12 200033 1920 7118 192916

13 192916 1852 7186 185730

14 185730 1783 7255 178475

15 178475 1713 7325 171150

16 171150 1643 7395 163755

17 163755 1572 7466 156289

18 156289 1500 7538 14875119 148751 1428 7610 141141

20 141141 1355 7683 133458

21 133458 1281 7757 125701

22 125701 1207 7831 117870

23 117870 1132 7906 109964

24 109964 1056 7982 101981

25 101981 979 8059 93922

26 93922 902 8136 85786

27 85786 824 8214 77571

28 77571 745 8293 6927829 69278 665 8373 60905

30 60905 585 8453 52452

31 52452 504 8534 43917

32 43917 422 8616 35301

33 35301 339 8699 26602

34 26602 255 8783 17819

35 17819 171 8867 8952

36 8952 86 8952 0

19408

76117

85364


42/49

37 0 0 0 0

38 0 0 0 0

39 0 0 0 0

40 0 0 0 0

41 0 0 0 0

42 0 0 0 0

43 0 0 0 044 0 0 0 0

45 0 0 0 0

46 0 0 0 0

47 0 0 0 0

48 0 0 0 0

49 0 0 0 0

50 0 0 0 0

51 0 0 0 0

52 0 0 0 0

53 0 0 0 0

54 0 0 0 055 0 0 0 0

56 0 0 0 0

57 0 0 0 0

58 0 0 0 0

59 0 0 0 0

60 0 0 0 0

61 0 0 0 0

62 0 0 0 0

63 0 0 0 0

64 0 0 0 065 0 0 0 0

66 0 0 0 0

67 0 0 0 0

68 0 0 0 0

69 0 0 0 0

70 0 0 0 0

71 0 0 0 0

72 0 0 0 0

73 0 0 0 0

74 0 0 0 0

75 0 0 0 076 0 0 0 0

77 0 0 0 0

78 0 0 0 0

79 0 0 0 0

80 0 0 0 0

81 0 0 0 0

82 0 0 0 0

83 0 0 0 0

0

77571

0

0


43/49

84 0 0 0 0

85 0 0 0 0

86 0 0 0 0

87 0 0 0 0

88 0 0 0 0

89 0 0 0 0

90 0 0 0 091 0 0 0 0

92 0 0 0 0

93 0 0 0 0

94 0 0 0 0

95 0 0 0 0

96 0 0 0 0

97 0 0 0 0

98 0 0 0 0

99 0 0 0 0

100 0 0 0 0

101 0 0 0 0102 0 0 0 0

103 0 0 0 0

104 0 0 0 0

105 0 0 0 0

106 0 0 0 0

107 0 0 0 0

108 0 0 0 0

109 0 0 0 0

110 0 0 0 0

111 0 0 0 0112 0 0 0 0

113 0 0 0 0

114 0 0 0 0

115 0 0 0 0

116 0 0 0 0

117 0 0 0 0

118 0 0 0 0

119 0 0 0 0

120 0 0 0 0

121 0 0 0 0

122 0 0 0 0123 0 0 0 0

124 0 0 0 0

125 0 0 0 0

126 0 0 0 0

127 0 0 0 0

128 0 0 0 0

129 0 0 0 0

130 0 0 0 0


44/49

131 0 0 0 0

132 0 0 0 0

133 0 0 0 0

134 0 0 0 0

135 0 0 0 0

136 0 0 0 0

137 0 0 0 0138 0 0 0 0

139 0 0 0 0

140 0 0 0 0

141 0 0 0 0

142 0 0 0 0

143 0 0 0 0

144 0 0 0 0

145 0 0 0 0

146 0 0 0 0

147 0 0 0 0

148 0 0 0 0149 0 0 0 0

150 0 0 0 0

151 0 0 0 0

152 0 0 0 0

153 0 0 0 0

154 0 0 0 0

155 0 0 0 0

156 0 0 0 0

157 0 0 0 0

158 0 0 0 0159 0 0 0 0

160 0 0 0 0

161 0 0 0 0

162 0 0 0 0

163 0 0 0 0

164 0 0 0 0

165 0 0 0 0

166 0 0 0 0

167 0 0 0 0

168 0 0 0 0

169 0 0 0 0170 0 0 0 0

171 0 0 0 0

172 0 0 0 0

173 0 0 0 0

174 0 0 0 0

175 0 0 0 0

176 0 0 0 0

177 0 0 0 0


45/49

178 0 0 0 0

179 0 0 0 0

180 0 0 0 0

181 0 0 0 0

182 0 0 0 0

183 0 0 0 0

184 0 0 0 0185 0 0 0 0

186 0 0 0 0

187 0 0 0 0

188 0 0 0 0

189 0 0 0 0

190 0 0 0 0

191 0 0 0 0

192 0 0 0 0

193 0 0 0 0

194 0 0 0 0

195 0 0 0 0196 0 0 0 0

197 0 0 0 0

198 0 0 0 0

199 0 0 0 0

200 0 0 0 0

201 0 0 0 0

202 0 0 0 0

203 0 0 0 0

204 0 0 0 0

205 0 0 0 0206 0 0 0 0

207 0 0 0 0

208 0 0 0 0

209 0 0 0 0

210 0 0 0 0

211 0 0 0 0

212 0 0 0 0

213 0 0 0 0

214 0 0 0 0

215 0 0 0 0

216 0 0 0 0217 0 0 0 0

218 0 0 0 0

219 0 0 0 0

220 0 0 0 0

221 0 0 0 0

222 0 0 0 0

223 0 0 0 0

224 0 0 0 0


46/49

225 0 0 0 0

226 0 0 0 0

227 0 0 0 0

228 0 0 0 0

229 0 0 0 0

230 0 0 0 0

231 0 0 0 0232 0 0 0 0

233 0 0 0 0

234 0 0 0 0

235 0 0 0 0

236 0 0 0 0

237 0 0 0 0

238 0 0 0 0

239 0 0 0 0

240 0 0 0 0


47/49

Yearly Intrest Amt

7706

23301

14054


48/49

0

3771

0

0


49/49

Assumptions for 2012.Increase in Net Sales by 20%.

Direct Expenses Increase By 20%

Selling, General & Administration Expenses Increase by 15.85%

Interest on C/C Rs 7.50

C/c Limit is Rs 50 lacs

sunny tran cma

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