NAME OF BORROWER:
Statement Date
No. of Months 12 12 12 12
Financials Status (Audited, Provisional, Estimated, Projected, Un-Audited) Audited Audited Estimated Projected
PROFIT & LOSS STATEMENT
Gross Sales - - - -
Less: Sales Returns, Taxes - - - -
Net Sales - - - -
Other Operating Income - - - -
Total Operating Income - - - -
Add: Opening Raw Material - - - -
Purchases (Raw Material) - - - -
Less: Closing Raw Material - - - -
Raw Material Consumed - - - -
Purchases (Finished Goods) - - - -
Power Costs (if related to manufacturing) - - - -
Wages - - - -
Other Direct Costs - - - -
Add: Opening Stock in Process - - - -
Less: Closing Stock in Process - - - -
Cost of Production - - - -
Add: Opening Stock of Finished Goods - - - -
Less: Closing Stock of Finished Goods - - - -
Cost of Sales or Cost of Goods Sold - - - -
Gross Profit - - - -
Employees Expenses (Other than direct costs) - - - -
Other Costs - - - -
Total Selling, General & Adminstration Expenses - - - -
Total Operating Expenses - - - -
PBDITA - - - -
Depreciation - - - -
PBIT - - - -
Interest on Working Capital Limits - - - -
Interest on Term Loan - - - -
Interest on Unsecured Loans - - - -
Other Interest - - - -
Interest Expenses - - - -
Interest to Partners on Partners' Capital - - - -
Extraordinary Expenses - - - -
Extraordinary Income, Non-Operational Income, Interest Income - - - -
PBT (Profit before Tax) - - - -
Current Tax - - - -
Deferred Tax - - - -
PAT (Profit after Tax) - - - -
PBDIA - - - -
Cash Accruals - - - -
BALANCE SHEET 12/30/1899 12/30/1899 12/30/1899 12/30/1899
ASSETS
1. CURRENT ASSETS
I. Inventories
Raw Materials - - - -
Stock in process - - - -
Finished Goods - - - -
Consumable Spares - - - -
Total Inventories - - - -
II. Trade Debtors
Debtors less than 6 months - - - -
III. Other Current Assets
Cash and Bank Balance - - - -
Prepaid Expenses - - - -
Advance Tax - - - -
Advances to Suppliers - - - -
Others - - - -
Total Other Current Assets - - - -
Total Current Assets - - - -
2. FIXED ASSETS
I. Land & Buildings - - - -
II. Plant & Machinery - - - -
III. Sundries - - - -
Gross Fixed Assets - - - -
Less: Depreciation - - - -
Net Fixed Assets - - - -
Capital Work in Progress - - - -
Total Fixed Assets - - - -
3. NON-CURRENT ASSETS
I. Investments in or Loans to Group Concerns - - - -
II. Others Non Current Assets
Debtors more than 6 months - - - -
Investment in other companies/firms - - - -
Margin Money - - - -
Other deposits (incl. Security Deposit) -
Non-Moving Inventories - - - -
Others - - - -
Total Non Current Assets - - - -
Deferred Tax Assets - - - -
Intangible Assets - - - -
TOTAL ASSETS - - - -
LIABILITIES
1. CURRENT LIABILITIES
I. Working Capital Borrowings
Working Capital Borrowings from our Bank - - - -
From Other Banks - - - -
Total Working Capital Borrowings - - - -
II. Creditors for Purchases - - - -
III. Other Current Liabilities
Long Term Debt due within one year - - - -
Loans from Corporate Bodies (Including Group/Associate Companies) - - - -
Advances from Customers - - - -
Others (Outstanding Expenses, Provisions etc.) - - - -
Total Other Current Liabilities - - - -
Total Current Liabilities - - - -
2. LONG TERM LIABILITIES
I. Term Loans from Banks/FIs
From our Bank - - - -
From other Banks/FIs - - - -
Total Term Loans from Banks/Fis - - - -
II. Unsecured Loans
Unsecured Loans to be taken as Quasi Equity - - - -
Unsecured Loans Other than Quasi Equity - - - -
Total Unsecured Loans - - - -
Other Long Term Liabilities - - - -
Total Long Term Liabilities - - - -
Deferred Tax Liabilities - - - -
3. CAPITAL
Paid up Capital - - - -
Reserves & Surplus - - - -
Loss brought forward - - - -
Total Capital & Reserves - - - -
TOTAL LIABILITIES - - - -
Check: Assets = Liabilities 0.00 0.00 0.00 0.00
FINANCIAL & RATIO ANALYSIS
Statement Date 12/30/1899 12/30/1899 12/30/1899 12/30/1899
No. of Months 12 12 12 12
Financials Status Audited Audited Estimated Projected
Net Sales / Receipts - - - -
% growth of Net Sales NA #DIV/0! #DIV/0! #DIV/0!
Other Non-Operating Income - - - -
Profit Before Tax - - - -
Current Tax - - - -
Deferred Tax - - - -
Profit After Tax - - - -
Depreciation - - - -
Cash Accruals - - - -
Capital or Equity - - - -
Deferred Tax Liabilities - - - -
Unsecured Loan to be taken as Quasi Equity - - - -
Net Worth - - - -
Deferred Tax Assets & Intangible Assets - - - -
TNW - - - -
Investments in or Loans to Group Concerns - - - -
Adj. TNW - - - -
Term Loans from Bank/Fis - - - -
Unsecured Loans Other than Quasi Equity - - - -
Other Long Term Liabilities - - - -
Total Term Liabilities - - - -
Capital Employed - - - -
Net Block (Total Fixed Assets) - - - -
Total Non Current Assets - - - -
Total Current Assets (TCA) - - - -
Total Current Liabilities (TCL) - - - -
Net Working Capital (TCA – TCL) - - - -
Current Ratio #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Quick Ratio #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Interest Coverage Ratio #DIV/0! #DIV/0! #DIV/0! #DIV/0!
TOL (Quasi Capital as Term Liability) - - - -
TOL (Quasi Capital as Net Worth) - - - -
Long Term Debt (Quasi Capital as Term Liability) - - - -
Long Term Debt (Quasi Capital as Net Worth) - - - -
TOL/Capital (Quasi Capital as Term Liability) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
TOL/[Link] (Quasi Capital as Net Worth) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
DE Ratio (Quasi Capital as Term Liability) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
DE Ratio (Quasi Capital as Net Worth) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Operating Profit Margin (%) or PBT/Net Sales (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Net Profit to Sales (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
ROE (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
MPBF Calculation for MSE borrower as per Turnover Method:
(For Working Capital Limit upto Rs.5.00 Crore)
Turnover: FY 2023-24 FY 2024-25
As Estimated/Projected by the Borrower 0.00 0.00
As Accepted by the Bank 0.00 0.00
Break-up of Projected Turnover in Digital & Non-Digital Parts (Percentage): FY 2023-24 FY 2024-25
Digital Turnover 0.00% 0.00%
Non-Digital Turnover 100.00% 100.00%
FY 2023-24 FY 2024-25
MPBF: Digital Non-Digital Digital Non-Digital
1. Annual Turnover (as estimated/projected by the Borrower) 0.00 0.00 0.00 0.00
2. Annual Turnover (as accepted by the Bank) 0.00 0.00 0.00 0.00
3. Working Capital Requirement 0.00 0.00 0.00 0.00
4. Total Working Capital Requirement (37.50% of Digital Turnover + 31.25% of non Digital Turn 0.00 0.00
5. Minimum Margin Required (1/5 of total WC requirement) 0.00 0.00
6. Actual Margin Available/Net Working Capital Available 0.00 0.00
7. (Item 4 – Item 5) 0.00 0.00
8. (Item 5 – Item 6) 0.00 0.00
9. 4 Times of Actual Margin Available/Net Working Capital Available 0.00 0.00
10. MPBF (Lowest of 7, 8 or 9) 0.00 0.00
MPBF Computation for non-MSE borrower as per Turnover Method:
(For Working Capital Limit upto Rs.5.00 Crore)
Turnover: FY 2023-24 FY 2024-25
As Estimated/Projected by the Borrower 0.00 0.00
As Accepted by the Bank 0.00 0.00
FY 2023-24 FY 2024-25
MPBF:
1. Annual Turnover (as estimated/projected by the Borrower) 0.00 0.00
2. Annual Turnover (as accepted by the Bank) 0.00 0.00
3. Working Capital Requirement (25% of Annual Turnover accepted by the Bank) 0.00 0.00
4. Minimum Margin Required (1/5 of WC requirement) 0.00 0.00
5. Actual Margin Available/Net Working Capital Available 0.00 0.00
6. (Item 3 – item 4) 0.00 0.00
7. (Item 3 – item 5) 0.00 0.00
8. 4 Times of Actual Margin Available/Net Working Capital Available 0.00 0.00
9. MPBF (Lowest of 6, 7 or 8) 0.00 0.00
BENCHMARK RATIO (PRESCRIBED RATIO) : 12/30/1899 12/30/1899 12/30/1899 12/30/1899
Audited Audited Estimated Projected
CURRENT RATIO CURRENT RATIO
1.20 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
QUICK RATIO QUICK RATIO
0.67 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
INTEREST COVERAGE RATIO INTEREST COVERAGE RATIO
1.30 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
DEBT EQUITY RATIO DEBT EQUITY RATIO
3.00 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
TOL/ATNW TOL/ATNW
4.00 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Information for calculating Holding Levels of Inventory, Receivables & Creditors
Statement Date 12/30/1899 12/30/1899 12/30/1899 12/30/1899
Financials Status Audited Audited Estimated Projected
Gross Sales - - - -
Net Sales - - - -
Raw Material Consumed - - - -
Purchases - - - -
Receivables or Debtors - - - -
Payables or Creditors - - - -
Cost of Production - - - -
Cost of Sales - - - -
Calculation of Holding Levels 12/30/1899 12/30/1899 12/30/1899 12/30/1899
a) Current Assets
Raw Material - - - -
(holding period in days) 0 0 0 0
Stock in Process - - - -
(holding period in days) 0 0 0 0
Finished Goods - - - -
(holding period in days) 0 0 0 0
Store & Spares - - - -
(holding period in days) 0 0 0 0
Receivables or Debtors - - - -
(collection period in days) 0 0 0 0
Other Current Assets - - - -
Total Current Assets - - - -
b) Current Liabilities
Payables or Creditors - - - -
(payment period in days) 0 0 0 0
Other Current Liabilities - - - -
Total Current Liabilities - - - -
Computation of MPBF (Through First method of lending) 12/30/1899 12/30/1899 12/30/1899 12/30/1899
1. Total Current Assets (Excluding Debtors > 180 days) - - - -
2. Total Current Liabilities (Excluding WC Borrowings) - - - -
3. Working Capital Gap - - - -
4. Minimum stipulated NWC [viz. 25% of Working Capital Gap] - - - -
5. Actual/Projected NWC - - - -
6. Item No.3 minus Item No.4 - - - -
7. Item No.3 minus Item No.5 - - - -
8. Maximum Permissible Bank Finance (MPBF) (Item No.6 or Item No.7, whichever is lower) - - - -
Computation of MPBF (Through Second method of lending) 12/30/1899 12/30/1899 12/30/1899 12/30/1899
1. Total Current Assets (Excluding Debtors > 180 days) - - - -
2. Total Current Liabilities (Excluding WC Borrowings) - - - -
3. Working Capital Gap - - - -
4. Minimum stipulated NWC [viz. 25% of Current Assets] - - - -
5. Actual/Projected NWC - - - -
6. Item No. 3 minus Item No.4 - - - -
7. Item No. 3 minus Item No.5 - - - -
8. Maximum Permissible Bank Finance (MPBF) (Item No.6 or Item No.7, whichever is lower) - - - -
