XYZ Enterprises

Address:-
1/21 A Sanjay Palace
New Delhi

Prepared By:-
Easetax Solutions LLP
101 Pratap Nagar Mayur Vihar
New Delhi 110091

BRIEF REPORT ON PROJECT COST

FOR Manufacturing/Trading
LOAN ALONGWITH WORKING CAPITAL FINANCE
XYZ Enterprises
1/21 A Sanjay Palace
New Delhi
SUMMARY OF PROJECT COST
MACHINERY
BUILDING
COMPUTER & ACCESSORIES
FURNITURE & FIXTURES
MOBILE

UTILIZATION OF FUND

FIXED CAPITAL COST

WORKING CAPITAL
TOTAL
MEANS OF FINANCE

BANK LOAN
TERM LOAN FINANCE 1,500,000.00
WORKING CAPITAL FINANCE 1,000,000.00

PROMOTER'S CONTRIBUTION
Amount(Rs.)
14,00,00,000.00
1,000,000.00
750,000.00
35,000.00
20,000.00
1,805,000.00

1,805,000.00
1,250,000.00 the capital of a business which is used in its day-to-day trading operations
3,055,000.00

2,500,000.00

500,000.00 Some times Bank finance 100% Project cost under any scheme in
case promoters contribution can be NIL
3,000,000.00
ness which is used in its day-to-day trading operations

me times Bank finance 100% Project cost under any scheme in that
 XYZ Enterprises
1/21 A Sanjay Palace
Projected Depreciation Schedule for the Financial Year 2022-23
Sl. Addition during the year Total Rate of Dep. Depreciation
No. Assets Opening Balance Brfore Sept. After sept. Closing Balance
1 PLANT & MACHINERY - 620,000.00 - 620,000.00 0.15 93,000.00 527,000.00
2 BUILDING - 1,000,000.00 - 1,000,000.00 0.10 100,000.00 900,000.00
3 COMPUTER & ACCESSORIES - 75,000.00 - 75,000.00 0.40 30,000.00 45,000.00
4 FURNITURE & FIXTURES - 35,000.00 - 35,000.00 0.10 3,500.00 31,500.00
5 VEHICLE - 20,000.00 - 20,000.00 0.15 3,000.00 17,000.00
Total - 1,750,000.00 - 1,750,000.00 229,500.00 1,520,500.00

XYZ Enterprises
1/21 A Sanjay Palace
Projected Depreciation Schedule for the Financial Year 2023-24
Sl. Addition during the year Total Rate of Dep. Depreciation
No. Assets Opening Balance Brfore Sept. After sept. Closing Balance
1 PLANT & MACHINERY 527,000.00 - - 527,000.00 0.15 79,050.00 447,950.00
2 BUILDING 900,000.00 - - 900,000.00 0.10 90,000.00 810,000.00
3 COMPUTER & ACCESSORIES 45,000.00 - - 45,000.00 0.40 18,000.00 27,000.00
4 FURNITURE & FIXTURES 31,500.00 - - 31,500.00 0.10 3,150.00 28,350.00
5 VEHICLE 17,000.00 - - 17,000.00 0.15 2,550.00 14,450.00
Total 1,520,500.00 - - 1,520,500.00 192,750.00 1,327,750.00

XYZ Enterprises
1/21 A Sanjay Palace
Projected Depreciation Schedule for the Financial Year 2024-25
Sl. Addition during the year Total Rate of Dep. Depreciation
No. Assets Opening Balance Brfore Sept. After sept. Closing Balance
1 PLANT & MACHINERY 447,950.00 - - 447,950.00 0.15 67,193.00 380,757.00
2 BUILDING 810,000.00 - - 810,000.00 0.10 81,000.00 729,000.00
3 COMPUTER & ACCESSORIES 27,000.00 - - 27,000.00 0.40 10,800.00 16,200.00
4 FURNITURE & FIXTURES 28,350.00 - - 28,350.00 0.10 2,835.00 25,515.00
5 VEHICLE 14,450.00 - - 14,450.00 0.15 2,168.00 12,282.00
Total 1,327,750.00 - - 1,327,750.00 163,996.00 1,163,754.00

XYZ Enterprises
1/21 A Sanjay Palace
Projected Depreciation Schedule for the Financial Year 2025-26
Sl. Addition during the year Total Rate of Dep. Depreciation
No. Assets Opening Balance Brfore Sept. After sept. Closing Balance
1 PLANT & MACHINERY 380,757.00 - - 380,757.00 0.15 57,114.00 323,643.00
2 BUILDING 729,000.00 - - 729,000.00 0.10 72,900.00 656,100.00
3 COMPUTER & ACCESSORIES 16,200.00 - - 16,200.00 0.40 6,480.00 9,720.00
4 FURNITURE & FIXTURES 25,515.00 - - 25,515.00 0.10 2,552.00 22,963.00
5 VEHICLE 12,282.00 - - 12,282.00 0.15 1,842.00 10,440.00
Total 1,163,754.00 - - 1,163,754.00 140,888.00 1,022,866.00

XYZ Enterprises
Projected Depreciation Schedule for the Financial Year 2026-27
Sl. Addition during the year Total Rate of Dep. Depreciation
No. Assets Opening Balance Brfore Sept. After sept. Closing Balance
1 PLANT & MACHINERY 323,643.00 - - 323,643.00 0.15 48,546.00 275,097.00
2 BUILDING 656,100.00 - - 656,100.00 0.10 65,610.00 590,490.00
3 COMPUTER & ACCESSORIES 9,720.00 - - 9,720.00 0.40 3,888.00 5,832.00
4 FURNITURE & FIXTURES 22,963.00 - - 22,963.00 0.10 2,296.00 20,667.00
5 VEHICLE 10,440.00 - - 10,440.00 0.15 1,566.00 8,874.00
Total 1,022,866.00 - - 1,022,866.00 121,906.00 900,960.00
 Cost SLaLement
Name: XYZ Enterprises

Sr. No. Particulars

Year 1
1 Income
a Sales (net of returns)
i Domestic Sales 5,000,000.00
ii Export Sales -
A1 Sub-total [ a(i+ii) ] 5,000,000.00
iii Less: GST -
A2 Net Sales [ A1-iii ] 5,000,000.00
v -
A3 Total Other income [ b(i to iv) ] -

A4 Total Gross Income [ A2+A3 ] 5,000,000.00

2 Cost of Production & Cost of Sales

a Raw Materials [Including Stores and other
items used in the process of manufacture)
i Imported -
ii Indegenous -
A5 sub-total [ a(i+ii) ] -
b Other Consumable Spares (Purchase)
i Imported -
ii Indegeneous 3,950,000.00
A6 sub-total [ b(i+ii) ] 3,950,000.00
c Direct Expenses
i Freight & Other Exp 35,000.00
A7 Total Direct Expenses [ c(i to x) ] 35,000.00
A8 sub-total [ A5+A6+A7 ] 3,985,000.00
d Add : Opening stock of W.I.P. -
A9 Sub-total [ A8+2(d) ] 3,985,000.00
e Less : Closing Stock W.I.P. -
A10 Total Cost of Production [ A9-2(e) ] 3,985,000.00
f Add : Opening stock of Finished Goods -
A11 sub-total [ A10+2(f) ] 3,985,000.00
g Less : Closing Stock of Finished Goods 775,000.00
A12 Total Cost of Sales [ A11-2(g) ] 3,210,000.00
Gross Profit 1,790,000.00
3 General, Administrative & Selling Expenses
1 Salary & Wages 250,000.00
2 Power & Fuel 112,500.00
3 Printing & Stationery 2,480.00
4 Advertisement 15,000.00
5 Misc Expenses 1,100.00
6 Office Expenses 4,800.00
7 Postage & Courier 720.00
8 Transport & Convenyance 65,300.00
9 Staff Welfare 8,200.00
10 Repair & Maintenance 67,050.00
 11 Depreciation 229,500.00

A13 Total General, Administrative &

Selling Expenses [ 3(i to xii) ] 756,650.00

4 Operating Profit before Interest [ A4-A12-A13 ] 1,033,350.00

5 Finance Charges
i Interest on Term Loan 148,005.00
ii Interest on C.C 110,000.00
A14 Total Finance Charges [ 5(i to ii) ] 258,005.00

6 Operating Profit after Interest [ 4-A14 ] 775,345.00

7 Net Profit before Tax / (Loss) PBT [ 6+/(-)A17 ] 775,345.00

8 Provision for Taxes 232,604.00
9 Net Profit / Loss after Tax PAT [ 10-11 ] 542,741.00
PAT to Net Sales % [ 12/T2 ] % {10.85%}
SLaLement

Projected

Year 2 Year 3 Year 4 Year 5

6,750,000.00 9,112,500.00 12,301,875.00 16,607,531.25

- - - -
6,750,000.00 9,112,500.00 12,301,875.00 16,607,531.25
- - - -
6,750,000.00 9,112,500.00 12,301,875.00 16,607,531.25
- - - -
- - - -

6,750,000.00 9,112,500.00 12,301,875.00 16,607,531.25

- - - -
- - - -
- - - -

- - - -
4,275,000.00 4,975,000.00 5,965,000.00 6,975,000.00
4,275,000.00 4,975,000.00 5,965,000.00 6,975,000.00

40,250.00 46,288.00 53,231.00 61,216.00

40,250.00 46,288.00 53,231.00 61,216.00
4,315,250.00 5,021,288.00 6,018,231.00 7,036,216.00
- - - -
4,315,250.00 5,021,288.00 6,018,231.00 7,036,216.00
- - - -
4,315,250.00 5,021,288.00 6,018,231.00 7,036,216.00
775,000.00 1,095,000.00 1,275,000.00 1,495,000.00
5,090,250.00 6,116,288.00 7,293,231.00 8,531,216.00
1,095,000.00 1,275,000.00 1,495,000.00 1,645,000.00
3,995,250.00 4,841,288.00 5,798,231.00 6,886,216.00
3,529,750.00 5,366,212.00 7,778,644.00 11,216,315.25

287,500.00 330,625.00 380,219.00 437,252.00

129,375.00 148,781.00 171,098.00 196,763.00
2,852.00 3,280.00 3,772.00 4,338.00
17,250.00 19,838.00 22,814.00 26,236.00
1,265.00 1,455.00 1,673.00 1,924.00
5,520.00 6,348.00 7,300.00 8,395.00
828.00 952.00 1,095.00 1,259.00
75,095.00 86,359.00 99,313.00 114,210.00
9,430.00 10,845.00 12,472.00 14,343.00
77,108.00 88,674.00 101,975.00 117,271.00
 192,750.00 163,996.00 140,888.00 121,906.00

798,973.00 861,153.00 942,619.00 1,043,897.00

1,955,777.00 3,410,059.00 5,561,025.00 8,677,418.25

125,198.00 95,555.00 62,481.00 25,580.00

110,000.00 110,000.00 110,000.00 110,000.00
235,198.00 205,555.00 172,481.00 135,580.00

1,720,579.00 3,204,504.00 5,388,544.00 8,541,838.25

1,720,579.00 3,204,504.00 5,388,544.00 8,541,838.25

516,174.00 961,351.00 1,616,563.00 2,562,551.00
1,204,405.00 2,243,153.00 3,771,981.00 5,979,287.25
{17.84%} {24.62%} {30.66%} {36.00%}
 XYZ Enterprises
1/21 A Sanjay Palace
New Delhi

PROJECTED PROFITABILITY STATEMENT

YEARS YR 1 YR 2 YR 3 YR 4 YR 5

INCOME

1 Gross Receipts/Turnover 5,000,000.00 6,750,000.00 9,112,500.00 12,301,875.00 16,607,531.25 Sales/TO depends on the nature of business

TOTAL (A) 5,000,000.00 6,750,000.00 9,112,500.00 12,301,875.00 16,607,531.25

EXPENDITURE

1 Salary & Wages 250,000.00 287,500.00 330,625.00 380,219.00 437,252.00

2 Purchase of Raw material 3,950,000.00 4,275,000.00 4,975,000.00 5,965,000.00 6,975,000.00
3 Frieght 35,000.00 40,250.00 46,288.00 53,231.00 61,216.00
4 Power & Fuel 112,500.00 129,375.00 148,781.00 171,098.00 196,763.00
5 Interest on Term Loan 148,005.00 125,198.00 95,555.00 62,481.00 25,580.00
6 Interest on CC Loan 110,000.00 110,000.00 110,000.00 110,000.00 110,000.00
7 Printing & Stationery 2,480.00 2,852.00 3,280.00 3,772.00 4,338.00
8 Advertisement 15,000.00 17,250.00 19,838.00 22,814.00 26,236.00
9 Misc Expenses 1,100.00 1,265.00 1,455.00 1,673.00 1,924.00
10 Office Expenses 4,800.00 5,520.00 6,348.00 7,300.00 8,395.00
11 Postage & Courier 720.00 828.00 952.00 1,095.00 1,259.00
12 Transport & Convenyance 65,300.00 75,095.00 86,359.00 99,313.00 114,210.00
13 Staff Welfare 8,200.00 9,430.00 10,845.00 12,472.00 14,343.00
14 Repair & Maintenance 67,050.00 77,108.00 88,674.00 101,975.00 117,271.00
15 Depreciation 229,500.00 192,750.00 163,996.00 140,888.00 121,906.00

TOTAL (B) 4,999,655.00 5,349,421.00 6,087,996.00 7,133,331.00 8,215,693.00

NET CREDIT [A-B] 345.00 1,400,579.00 3,024,504.00 5,168,544.00 8,391,838.25

Opening stock - 775,000.00 1,095,000.00 1,275,000.00 1,495,000.00
Closing stock 775,000.00 1,095,000.00 1,275,000.00 1,495,000.00 1,645,000.00
Stock adjustment 775,000.00 320,000.00 180,000.00 220,000.00 150,000.00
Profit 775,345.00 1,720,579.00 3,204,504.00 5,388,544.00 8,541,838.25
Provision for Taxation 232,604.00 516,174.00 961,351.00 1,616,563.00 2,562,551.00
Profit after Taxation 542,741.00 1,204,405.00 2,243,153.00 3,771,981.00 5,979,287.25
Bal carried over to Balance Sheet 542,741.00 1,204,405.00 2,243,153.00 3,771,981.00 5,979,287.25

XYZ Enterprises

WORKING CAPITAL ASSESSMENT

(Based on 70% Utilisation) ( Rs.In '000')

PARTICULARS HOLDING FUND MARGIN AMOUNT BANK

TIME REQUIRMENT % FINANCE

1 RAW MATERIALS 07 Days 800.00 25 200.00 600.00

2 CONUMABLE STORES 15 Days 15.00 100 - 17.00

3 FINISHED GOODS 10 Days 1,200.00 25 300.00 900.00

4 ADVANCE TO SUPPLIERS 07 Days 850.00 25 212.50 637.50

5 DEBTORS 15 Days 1,800.00 40 720.00 1,080.00

6 EXPENSES 01 Months 650.00 50 325.00 325.00

5,315.00 1,757.50 3,559.50
 XYZ Enterprises
1/21 A Sanjay Palace
New Delhi

PROJECTED CASH FLOW STATEMENT

YEARS YR 1 YR 2 YR 3 YR 4 YR 5

SOURCES

PBIT 1,033,350.00 1,955,777.00 3,410,059.00 5,561,025.00 8,677,418.25

Depreciation 229,500.00 192,750.00 163,996.00 140,888.00 121,906.00
Increase in Capital 250,000.00 - - - -
Increase in Term Loan 1,186,641.00 (226,166.00) (285,809.00) (318,883.00) (355,783.00)
Increase in Cash Credit 1,000,000.00 - - - -
Decrease in Advance & Deposits (150,000.00) (100,000.00) (100,000.00) (100,000.00) (100,000.00)
Decrease in Debtors (685,000.00) (255,000.00) (295,000.00) (305,000.00) (285,000.00)
Provisions 325,000.00 170,300.00 129,700.00 170,000.00 125,000.00
Decrease in Stock (775,000.00) (320,000.00) (180,000.00) (220,000.00) (150,000.00)

TOTAL [A] 2,414,491.00 1,417,661.00 2,842,946.00 4,928,030.00 8,033,541.25

APPLICATION
Increase in Fixed Assets 1,750,000.00 - - - -
Interest on Bank Loan 258,005.00 235,198.00 205,555.00 172,481.00 135,580.00
Drawing 150,000.00 285,000.00 375,000.00 575,000.00 850,000.00
Tax Payment 232,604.00 516,174.00 961,351.00 1,616,563.00

TOTAL [B] 2,158,005.00 752,802.00 1,096,729.00 1,708,832.00 2,602,143.00

Opening Cash Balance - 256,486.00 921,345.00 2,667,562.00 5,886,760.00
Net Surplus / Deficit [A-B] 256,486.00 664,859.00 1,746,217.00 3,219,198.00 5,431,398.25
Closing Cash Balance 256,486.00 921,345.00 2,667,562.00 5,886,760.00 11,318,158.25
- - - -
 XYZ Enterprises
1/21 A Sanjay Palace
New Delhi
PROJECTED BALANCE SHEET
YEARS YR 1 YR 2 YR 3 YR 4 YR 5

LIABILITIES

Capital 250000.00 642,741.00 1,562,146.00 3,430,299.00 6,627,280.00 ###

Add:- Profit during year 542741.00 1,204,405.00 2,243,153.00 3,771,981.00 5,979,287.25 ###
Less:- Drawings 150000.00 642,741.00 285,000.00 1,562,146.00 375,000.00 3,430,299.00 575,000.00 6,627,280.00 850,000.00 11,756,567.25
Term Loan 1,186,641.00 960,475.00 674,666.00 355,783.00 -
Cash Credit 1,000,000.00 1,000,000.00 1,000,000.00 1,000,000.00 1,000,000.00
Current Liabilities & Provision 325,000.00 495,300.00 625,000.00 795,000.00 920,000.00
Provision For Tax 232,604.00 516,174.00 961,351.00 1,616,563.00 2,562,551.00

TOTAL 3,386,986.00 4,534,095.00 6,691,316.00 10,394,626.00 16,239,118.25

ASSETS

Net Fixed Assets (W.D.V.) 1,520,500.00 1,327,750.00 1,163,754.00 1,022,866.00 900,960.00

Stock of W.I.P. & Finished Product 775,000.00 1,095,000.00 1,275,000.00 1,495,000.00 1,645,000.00
Sundry Debtors 685,000.00 940,000.00 1,235,000.00 1,540,000.00 1,825,000.00
Deposit & Advance 150,000.00 250,000.00 350,000.00 450,000.00 550,000.00
Cash & Bank Balance 256,486.00 921,345.00 2,667,562.00 5,886,760.00 11,318,158.25

TOTAL 3,386,986.00 4,534,095.00 6,691,316.00 10,394,626.00 16,239,118.25

-
 XYZ Enterprises
1/21 A Sanjay Palace
New Delhi
CALCULATION OF INTEREST ON TERM LOAN

Repayment Schedule
YEAR OPENING
BALANCE EMI PRINCIPAL INTEREST CLOSING BALANCE

31/3/2022 1,500,000.00 391,364.00 313,359.00 148,005.00 1,186,641.00

31/3/2023 1,186,641.00 391,364.00 226,166.00 125,198.00 960,475.00
31/3/2024 960,475.00 391,364.00 285,809.00 95,555.00 674,666.00
31/3/2025 674,666.00 391,364.00 318,883.00 62,481.00 355,783.00
31/3/2026 355,783.00 391,364.00 355,783.00 25,580.00 -

TOTAL 1,956,820.00 456,819.00

YEAR YR 1 YR 2 YR 3 YR 4 YR 5

TERM LOAN INTEREST 148,005.00 125,198.00 95,555.00 62,481.00 25,580.00

CASH CREDIT INTEREST 110,000.00 110,000.00 110,000.00 110,000.00 110,000.00

TOTAL INTEREST 258,005.00 235,198.00 205,555.00 172,481.00 135,580.00

Note:- 1 Repayment term has been considered to be in equally monthly installment starting from --------
2 Term Loan Interest has been considered @ 11.00 % p.a.
3 Cash Credit Interest has been considered @ 11.00 % p.a.
 XYZ Enterprises
1/21 A Sanjay Palace
NEW DELHI

COMPUTATION OF MAXIMUM PERMISSIBLE BANK FINANCE (MPBF)

PARTICULARS YR 1 YR 2 YR 3 YR 4 YR 5

TOTAL CURRENT ASSETS (a) 1866486.00 3206345.00 5527562.00 9371760.00 15338158.25

TOTAL CURRENT LIABILITIES (b) 1557604.00 2011474.00 2586351.00 3411563.00 4482551.00

BANK
TOTALBORROWING ©
CURRENT LIABILIITIES 1000000.00 1000000.00 1000000.00 1000000.00 1000000.00
(OTHER THAN BANK
BORROWINGS) (b)-(c.) 557604.00 1011474.00 1586351.00 2411563.00 3482551.00

MPBF
75% ofMETHOD-1
(Current assets - Current
liabilities other than bank borrowings) 981661.5 1646153.25 2955908.25 5220147.75 8891705.4375 This method is used mostly where

MPBF
(75% ofMETHOD-2
Current assets) - (Current
liabilities other than bank borrowings) 842260.50 1393284.75 2559320.50 4617257.00 8021067.69 This method is used mostly where
hod is used mostly where Credit Requirement is up to Rs. 10 Lakh

hod is used mostly where Credit Requirement is Above Rs. 10 Lakh

 XYZ Enterprises
1/21 A Sanjay Palace
New Delhi

CALCULATION OF SOME IMPORTANT RATIOS

PARTICULARS YR 1 YR 2 YR 3 YR 4 YR 5

NET PROFIT (PAT) 542,741.00 1,204,405.00 2,243,153.00 3,771,981.00 5,979,287.25

INTEREST ON TERM LOAN 148,005.00 125,198.00 95,555.00 62,481.00 25,580.00
INTEREST ON CASH CREDIT 110,000.00 110,000.00 110,000.00 110,000.00 110,000.00
PROVISION OF TAXATION 232,604.00 516,174.00 961,351.00 1,616,563.00 2,562,551.00

TOTAL (X) (PBIT) 1,033,350.00 1,955,777.00 3,410,059.00 5,561,025.00 8,677,418.25

INTREST ON TERM LOAN 148,005.00 125,198.00 95,555.00 62,481.00 25,580.00

INTREST ON CASH CREDIT 110,000.00 110,000.00 110,000.00 110,000.00 110,000.00

TOTAL (Y) 258,005.00 235,198.00 205,555.00 172,481.00 135,580.00

INTREST SERIVCE COVERAGE 4.01 8.32 16.59 32.24 64.00

RATIO ( X/Y)

NET PROFIT 542,741.00 1,204,405.00 2,243,153.00 3,771,981.00 5,979,287.25

SALES 5,000,000.00 6,750,000.00 9,112,500.00 12,301,875.00 16,607,531.25

NET PROFIT/ SALES 0.11 0.18 0.25 0.31 0.36

PBIT 1,033,350.00 1,955,777.00 3,410,059.00 5,561,025.00 8,677,418.25

DEPRECIATION 229,500.00 192,750.00 163,996.00 140,888.00 121,906.00
PBDIT 1,262,850.00 2,148,527.00 3,574,055.00 5,701,913.00 8,799,324.25

TOTAL ASSETS 3,386,986 4,534,095 6,691,316 10,394,626 16,239,118

Profit to Total Assets Ratio 0.37 0.47 0.53 0.55 0.54

NET SALES (O) 5,000,000.00 6,750,000.00 9,112,500.00 12,301,875.00 16,607,531.25

TERM LOAN 1,186,641.00 960,475.00 674,666.00 355,783.00 -

CASH CREDIT 1,000,000.00 1,000,000.00 1,000,000.00 1,000,000.00 1,000,000.00

TOTAL BANK BORROWING ( P) 2,186,641.00 1,960,475.00 1,674,666.00 1,355,783.00 1,000,000.00

NET SALES/ BANK BORROWING 2.29 3.4 5.4 9.1 16.6

CURRENT ASSETS 1866486.00 3206345.0 5527562.0 9371760.0 15338158.3

CURRENT LIABILITIES 1557604.00 2011474.0 2586351.0 3411563.0 4482551.0

CURRENT ASSET RATIO 1.41 2.14 2.14 2.75 3.42 Ideally Current ration should be above 1.10 average
 XYZ Enterprises
1/21 A Sanjay Palace
New Delhi

CALCULATION OF DSCR
YEARS YR 1 YR 2 YR 3 YR 4 YR 5

A. Net Profit after Tax 542,741.00 1,204,405.00 2,243,153.00 3,771,981.00 5,979,287.25

B. Depreciation 229,500.00 192,750.00 163,996.00 140,888.00 121,906.00
C. Interest on Term Loan 148,005.00 125,198.00 95,555.00 62,481.00 25,580.00
D. Interest on Cash Credit 110,000.00 110,000.00 110,000.00 110,000.00 110,000.00

TOTAL [X] 1,030,246.00 1,632,353.00 2,612,704.00 4,085,350.00 6,236,773.25

E. Instalment of Term Loan 391,364.00 391,364.00 391,364.00 391,364.00 391,364.00

F. Interest on Term Loan 148,005.00 125,198.00 95,555.00 62,481.00 25,580.00
G. Interest on Cash Credit 110,000.00 110,000.00 110,000.00 110,000.00 110,000.00

TOTAL [Y] 649,369.00 626,562.00 596,919.00 563,845.00 526,944.00

DSCR = [X] / [Y] 1.59 2.61 4.38 7.25 11.84

AVERAGE DSCR 5.53

 Turnover
18000000 16,607,531.25
16000000
14000000 12,301,875.00
12000000
10000000 9,112,500.00
8000000 6,750,000.00 7000000
6000000 5,000,000.00
4000000 6000000
2000000
5000000
0
1 2 3 4 5
4000000

3000000

2000000
Profit Before Tax
1000000 542,741.00
9000000 8,541,838.25
8000000 0
1
7000000
6000000 5,388,544.00
5000000
4000000 3,204,504.00
3000000
2000000 1,720,579.00

1000000 775,345.00

0
1 2 3 4 5
 Profit After Tax
7000000
5,979,287.25
6000000

5000000

4000000 3,771,981.00

3000000
2,243,153.00
2000000
1,204,405.00
1000000 542,741.00

0
1 2 3 4 5
Assumptions:-
Particulars
Projected Increment in Gross receipts 135%
Projected Increment in Expenditure 115%
Interest rate for Term loan 11%
Interest Rate for Cash Credit 11%