CMA Gurudev

8/9/2019 CMA Gurudev

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CMA FORMAT - REGIONAL OFFICE, RAIPUR (Rs in Lac) (Rs in Lac) (Rs in La

Borrower's Name:M/S Shiv Shakti pulses

LAST !AR LAST !AR "#R$ !AR %&LL&$ !AR %&LL&$ !AR %&LL&

articulars A#*T! A#*T! !stimate+ ro,ection ro,ection ro,e

-.$-$0.1 -.$-$0.2 -.$-$0.3 -.$-$0.4 -.$-$0.5 -.$-

. "urrent Assets 21$60 .2$1 .2.$31 .2-$.0 .22$-4

0 "urrent Lia7ilities 6-$01 .04$61 .01$. .00$4 .0-$11

- "ontri7ution to orkin8 "apital 00$.3 -0$1 -2$36 6$-0 60$4-

6 Net %i9e+ Assets 56$22 52$54 46$22 36$.4 21$04

1 Term Lia7ilities 61$21 6-$52 --$23 0-$-5 .-$..

(&ther than un+s 7orrowe+ rom

;roup companies/irectors etc)

2 "ontri7ution to %i9e+ "apital 65$. 1-$0 1$55 1$35 10$.3

3 %un+s investe+ in 7usiness 3.$.4 41$3 43$3- 5.$.. 51$

4 %un+s investe+ outsi+e 7usiness $40 -$-2 -$-2 -$-2 -$-2

(in 8roup cos/Non current assets

*nvestment in shares< etc)

5 %un+s 7orrowe+ rom ;roup "os -6$4- 63$1. 63$1. 63$1. 63$1.

irectors/rien+s< etc

. *ntan8i7le Assets (like 8oo+will $ $ $ $ $ atents< etc

.. Tan8i7le Net orth -3$.3 6$50 6-$14 62$52 1$41

.0 Net Sales (e9cl$other income) 0-5$4 13$.1 1-0$1. 115$.- 143$5

.- "ost o sales 006$-5 636$23 652$4 100$54 11$-3

.6 ;ross roit .1$6. -0$64 -1$3. -2$.1 -2$30

.1 Net roit 7eore ta9 6$24 1$-. 1$23 2$05 2$55

.2 Net roit ater ta9 6$24 1$-. 1$23 2$05 2$55

.3 rov or ev$ Re7ate/*RR

.4 epreciation 2$1- .6$1 .0$-0 .$63 4$5

.5 "ash roit ..$0. .5$4. .3$55 .2$32 .1$45

0 rovision or ta9ation $ $ $ $ $

0. rovision or +ivi+en+/ intt$ = sal to partner $ $ $ $ $

00 %un+s retaine+ in 7usiness ..$0. .5$4. .3$55 .2$32 .1$45

Borrower's Name:M/S Shiv Shakti pulses R&&SAL A;! N& 4

RAT*& ANALS*S LAST !AR LAST !AR "#R$ !AR %&LL&$ !AR %&LL&$ !AR %&LL&

A#*T! A#*T! !stimate+ ro,ection ro,ection ro,e

articulars -.$-$0.1 -.$-$0.2 -.$-$0.3 -.$-$0.4 -.$-$0.5 -.$-

(Rs in Lac) (Rs in Lac) (Rs in La

. "urrent Ratio .$1. .$01 .$05 .$-- .$-1

0 e7t !>uit? Ratio (A7solute) -$-- 1$-3 6$3- 6$.- -$20

e7t !>uit? Ratio (@uasi) .$0- .$51 .$36 .$11 .$-5

- ;ross roit/Net Sales () 2$6- 2$6 2$3. 2$63 2$01



"omments on %inancial parameters/perormance o the "ompan? Actual Actual

As at -.$-$0.2 -.$-$0.3

Age of Receivables (Rs in Lac) (Rs in Lac)

More than 2 months

&thers

Total 04$4- 6$66

As per Appraisal Note on the A/c enclose+$

Age of Inventory

More than 2 months $ $

&thers ..3$1 .1.$55

Total ..3$1 .1.$55



Borrower's Name:M/S Shiv Shakti pulses ANN!#R! ! ANN!#R! ! ANN!#R!

LAST !AR LAST !AR "#R$ !AR %&LL&$ !AR %&LL&$ !AR %&LL&$ !

articulars !stimate+ A#*T! !stimate+ ro,ection ro,ection ro,ecti

-.$-$0.6 -.$-$0.1 -.$-$0.2 -.$-$0.3 -.$-$0.4 -.$-$0

;ross Sales (Rs in Lac) (Rs in Lac) (Rs in Lac)

. a) omestic sales 0-5$4 13$.1 1-0$1. 115$.- 143$5 2.

7) !9port Sales

Total Gross Sales 0-5$4 13$.1 1-0$1. 115$.- 143$5 2.

0 Less: !9cise +ut?

- Net Sales 0-5$4 13$.1 1-0$1. 115$.- 143$5 2.

6 "ost o Sales

a) Raw materials (incl$ Stores) 05$11 6-$6- 61$21 626$31 65.$ 1.

C *mporte+

C *n+i8enous 05$11 6-$6- 61$21 626$31 65.$ 1.

7) &ther Spares .$23 4$4- 5$06 5$1- .$3 .

c) ower an+ %uel 4$33 0.$6 00$- 00$30 06$ 0

+) irect La7our 0$.5 -$46 6$0 6$.1 6$-4

e) Repairs an+ maintenance $ $ $ $ $

) &ther M8 e9penses 6$.0 .0$66 .-$0 .-$6- .6$.5 .

8) epreciation 2$1- .6$1 .0$-0 .$63 4$5

Su7Dtotal 0-0$4- 65.$4 1..$04 101$1 110$16 14

A++: &p$ Stock in rocess $ $ $ $ $

Su7 Total 0-0$4- 65.$4 1..$04 101$1 110$16 14

Less: "l$ Stock in rocess$ $ $ $ $

"ost o ro+uction (Su7Dtotal) 0-0$4- 65.$4 1..$04 101$1 110$16 14

A++: &p$ Stock o %inishe+ ;oo+s $ 4$66 06$41 -5$-- 6.$6 6

Su7 Total 0-0$4- 655$10 1-2$.- 126$-4 15-$56 20

Less: "l$ Stock o %inishe+ ;oo+s 4$66 06$41 -5$-- 6.$6 6-$13 6

COST OF SALES 006$-5 636$23 652$4 100$54 11$-3 13

1 ;ross roit (-D6) .1$6. -0$64 -1$3. -2$.1 -2$30 -

2 *nterest -$2. .$55 .-$1 .0$0 ..$

3 Sellin8< ;eneral = A+mn$ !9penses 3$.0 .2$.4 .2$55 .3$46 .4$3- .

Su7 Total .$3- 03$.3 -$6 05$42 05$3- 0

4 &peratin8 roit 6$24 1$-. 1$23 2$05 2$55

5 &ther *ncome/!9penses

A++:*ncome $ $ $ $ $

Less !9penses

Su7Dtotal (E)/(D) $ $ $ $ $ . roit Beore ta9/Loss 6$24 1$-. 1$23 2$05 2$55

Less: rovision or +evelopment Re7ate/

rior perio+ items

Less: rovision or ta9ation $ $ $ $ $

Less: intt$/salar? to partners/with+rawals .$26 $54 -$ -$ -$

.. Net roit (retaine+ proit) -$6 6$-- 0$23 -$05 -$55

Net roit (ater ta9) 6$24 1$-. 1$23 2$05 2$55



Borrower's Name:M/S Shiv Shakti pulses ANN!#R! %/.

LAST !AR LAST !AR "#R$ !AR %&LL&$ !AR %&LL&$ !AR %&LL

L*AB*L*T*!S A#*T! A#*T! !stimate+ ro,ection ro,ection ro

-.$-$0.6 -.$-$0.1 -.$-$0.2 -.$-$0.3 -.$-$0.4 -.$

CURRENT LIABILITIES:

. Short Term 7orrowin8s rom Banks

C %rom Bank o Baro+a -3$2 -1$5- .$ .$ .$

C %rom other 7ank $ $ $ $ $

(o which B/B)

Su7Dtotal D A -3$2 -1$5- .$ .$ .$

0 Short Term 7orrowin8 rom &thers $ 3$44 $ $ $

- eposits (Maturin8 in one ?ear)

6 Sun+r? "re+itors or 8oo+s $ 3$5. ..$03 ..$20 .0$04

1 "re+itors or !9penses $ $ $ $ $

2 A+vances/ro8ress pa?ments rom custome $ $ $ $ $

+eposits rom +ealers$

3 *nterest an+ other char8es accure+< 7ut not

pai+$

4 rovision or ta9ation

5 ivi+en+ pa?a7le

. &ther statutor? lia7ilities

(+ue in one ?ear)

.. *nstalments o term loans +eerre+ pa?men 4.35 10.28 10.28 10.28 10.28

cre+its/+e7entures/re+eema7le re$ Shares

(+ue in one ?ear)

"re+itors or "apital ;oo+s.0 &ther current Lia7ilities an+ provisions .$46 -$61 -$62 $5 $55

(+ue in one ?ear)

Su7Dtotal D B 2$.5 50$10 01$. 00$4 0-$11

.- Total "urrent Lia7ilities (AEB) 6-$01 .04$61 .01$. .00$4 .0-$11



Borrower's Name:M/S Shiv Shakti pulses ANN!#R! %/0


L*AB*L*T*!S A#*T! A#*T! !stimate+ ro,ection ro,ection ro,ec

-.$-$0.6 -.$-$0.1 -.$-$0.2 -.$-$0.3 -.$-$0.4 -.

(Rs in Lac) (Rs in Lac) (Rs in

TERM LIABILITIES

.6 e7entures (not maturin8 in . ?ear)

.1 Term Loan (& a8ainst rop$)

16 Term Loans re!a"a#le a$ter 1 "ear% &'(6' &)(*6 ))(6+ )()* 1)(11

Borrowin8s rom 8roup compan?/ -6$4- 63$1. 63$1. 63$1. 63$1.

irectors/%rien+s an+ relatives

.3 eerre+ a?ment "re+it $ $ $

.4 &ther eposits D +ue ater one ?ear

.5 &ther Term Lia7ilities $ $ $ $ $

0 Total Term Lia7ilities 4$64 5.$63 4.$.4 3$5 2$20

0. T&TAL &#TS*! L*AB*L*T*!S (.-E0) .0-$3- 0.5$50 02$.5 .5-$3 .46$.3

NET /ORT0

00 Share "apital -6$.. --$1- --$1- --$1- --$1-

0- reerence Share "apital (Share remium)

(maturin8 ater .0 ?ears)

06 ;eneral Reserves (!9cl$ rovisions)

01 Share premium

02 &ther reserves (e9cl$ rov)

03 Surplus(E) or +eicit (D) in =L A/c -$2 3$-5 .$1 .-$-6 .3$-0

04 Net orth (Total o 00 to 03) -3$.3 6$50 6-$14 62$43 1$41

* TOTAL LIABILITIES 1)% 16.(*. 6.(& &*(++ &.('+ )'(.

$ $ $ $ $



Borrower's Name:M/S Shiv Shakti pulses ANN!#R! %/-

LAST !AR LAST !AR "#R$ !AR %&LL&$ !AR %&LL&$ !AR %&L

A S S ! T S A#*T! A#*T! !stimate+ ro,ection ro,ection ro,ec

-.$-$0.6 -.$-$0.1 -.$-$0.2 -.$-$0.3 -.$-$0.4 -.

(Rs in Lac) (Rs in Lac) (Rs in

CURRENT ASSETS

- "ash an+ Bank Balance -$44 5$6. $11 $66 $2

-. *nvestment (other than lon8 term investments

e$8$< sinkin8 un+< 8ratuit? un+< etc$<)

a) ;ovt an+ other Trustee securities

&ther "urrent *nvestments

7) %s in Banks $ $ $ $ $

-0 a) Receiva7les other than +eerre+ = e9por .4$62 04$4- 6$66 6$.5 6$45

receiva7les (+ue in one ?ear)

7) !9port receiva7les

Total receiva7les .4$62 04$4- 6$66 6$.5 6$45

-- *nstalments o +eerre+ receiva7les (+ue in

one ?ear)

-6 *nventor? 6.$.4 ..3$1 .1.$55 .1-$3. .12$5

a) Raw materials D *n+i8enous -0$36 50$21 ..0$22 ..0$-. ..0$10

Raw materials D *mporte+

7) Stocks in rocess $ $ $ $ $

c) %inishe+ ;oo+s 4$66 06$41 -5$-- 6.$6 6-$13

+) &ther consuma7le spares $00 $05 $- $-. $--

-1 A+vances to suppliers o raw materials an+

stores< spares< consuma7les< etc$<

-2 A+vance pa?ment o Ta9es

-3 &ther current assets .$24 6$63 6$63 6$63 6$63

-4 T&TAL "#RR!NT ASS!TS 6'(& 16.('. 161(+' 16)(1 166()



Total o &ther "urrent Assets 1$12 .-$44 1$0 6$5. 1$3

Borrower's Name:M/S Shiv Shakti pulses ANN!#R! %/6


A S S ! T S A#*T! A#*T! !stimate+ ro,ection ro,ection ro,ec

-.$-$0.6 -.$-$0.1 -.$-$0.2 -.$-$0.3 -.$-$0.4 -.$

(Rs in Lac) (Rs in Lac)

FI2E3 ASSETS:

-5 ;ross Block (lan+< 7uil+in8< Machiner? ..$.5 ..4$. ..4$. ..4$. ..4$.

"onstruction work in pro8ress< etc$<)

"apital ork in ro8ress

6 epreciation to +ate 2$1- 0.$- --$-1 6-$4- 10$3-

6. Net Block (-5D6) 56$22 52$54 46$22 36$.4 21$04

OT0ER NON-CURRENT ASSETS

60 *nvestments/Book +e7ts/a+vances $ $ $ $ $

+eposits which are not currentassets

a) *nvestments in su7si+iar? "os/ailiates< etc

7) others (Mar8in %R or B;) $ $ $ $ $

c) A+vances to suppliers o capital

;oo+s< spares an+ contractors

capital e9pen+iture

+) eerre+ receiva7les maturin8

7e?on+ one ?ear

e) &thers (Book e7ts F 2 months) $40 -$-2 -$-2 -$-2 -$-2

6- NonDconsuma7le stores = Spares

66 &ther Miscelleneous assets inclu+in8 +ue $ $ $ $ $

rom irectors)

61 Total &ther NonDcurrent Assets $40 -$-2 -$-2 -$-2 -$-2

(60E6-E66)

62 *ntan8i7le Assets (atents< 8oo+will< $ $ $ $ $

reliminar? an+ ormation e9penses<

7a+ an+ +ou7tul +e7ts not provi+e+ or etc$<)

&+ TOTAL ASSETS 16.(*. 6.(& &*(++ &.(66 )'(.

64 Tan8i7le Net orth (04D62) -3$.3 6$50 6-$14 62$43 1$41

65 Net orkin8 "apital (-4D.-) 00$.3 -0$1 -2$36 6$-0 60$4-

$ $ $ $5 $



%#NS %L& STAT!M!NT

Borrower's Name:M/S Shiv Shakti pulses ANN!#R! G. ANN!#R! G. ANN!#

LAST !AR "#R$ !AR %&LL&$ !AR %&LL&$ !AR %&LL&

articulars A#*T! !stimate+ ro,ection ro,ection ro,e

-.$-$0.2 -.$-$0.3 -.$-$0.4 -.$-$0.5 -.$-

. SOURCES

roit Beore Ta9 1$-. 1$23 2$05 2$55

A++: epreciation (net) .6$1 .0$-0 .$64 4$5

*nvestment Allowance;ross %un+s 8enerate+ .5$4. .3$55 .2$33 .1$45

Less Ta9es pai+/pa?a7le $ $ $ $

+ivi+en+ $54 -$ -$ -$

A++: reliminar? !9penses

rior perio+ a+,ustments

A( NET FUN3S GENERATE3 .4$4- .6$55 .-$33 .0$45

INCREASE IN

a) "apital ($14) ($.) $ ($.)

7) TL/e7/e7 pa?ment

c) u7lic eposit .0$24 $ $ $

+) &ther Term Lia7ilities $ $ $ $

3ECREASE IN

a) %i9e+ Assets $ $ $ $

7) *ntercorporate *nvestment

c) &ther NonDcurrent Assets $ $ $

+) *ntan8i7le assets $ $ $ $

B( SUB TOTAL .0$. ($.) $ ($.)

*ncrease in Short Term Bank 7orrowin8s 26$3 $ $

*ncrease in &ther current lia7ilities 42$-- $31

ecrease in *nventor?

ecrease in receiva7les 06$-5 $01

ecrease in other "/A 4$42 $..

C( SUB TOTAL 42$-- 53$-0 $-2 $31

TOTAL FUN3S A4AILABLE ..3$02 ..0$- .6$.- .-$2-

0 USES:

*ncrease in i9e+ assets .2$40 $ $ $

ecrease in

a) TL/e7/e pa?ment .$25 .$05 .$04 .$04

7) u7lic eposit $ $ $

c) "apital

+) &ther term lia7ilities $ $ $ $

*ncrease in *ntercorp$ *nvestD

ments an+ a+vances

*ncrease in NonD"/A 0$16 $ $ $

*ncrease in intan8i7le Assets $ $ $ $

3( SUB TOTAL 0.$1 .$05 .$04 .$04



%#NS %L& STAT!M!NT

Borrower's Name:M/S Shiv Shakti pulses ANN!#R! G0 ANN!#R! G0 ANN!#

LAST !AR "#R$ !AR %&LL&$ !AR %&LL&$ !AR %&LL&

articulars A#*T! !stimate+ ro,ection ro,ection ro,ectio

-.$-$0.2 -.$-$0.3 -.$-$0.4 -.$-$0.5 -.$-

3e5rease n

a) Short term 7ank 7orrowin8 .$.- $ $

7) *n other current lia7ilities 23$1. 0$0.

In5rease na) *nventor? 32$-0 -6$65 .$30 0$-4

7) *n receiva7les .$-3 $3

c) &ther "ur$ Assets 4$-0 $.2

E( S7#-Total 52$.6 .0$ -$5- -$06

Loss

Less: *nv$ Allowance

epreciation

Bal: ;ross un+s lost(D)/or

;ross un+s 8enerate+

A++: Ta9es pai+/pa?a7le

A++: ivi+en+s pai+/pa?a7le

F( S7# Total $ $ $ $

;$ N!T %#NS L&ST

(i % is ne8ative)

TOTAL FUN3S USE3 ..3$.5 ..0$05 .6$0. .-$10

- S U M M A R 8

Lon8 term Sources -$5- .6$54 .-$33 .0$44

(AEBE%< i % is Eive)

Less: Lon8 term uses (E;) 0.$1 .$05 .$04 .$04

Surplus(E) / eicit (D) 5$44 6$25 -$65 0$2

Short term Sources H"I 42$-- 53$-0 $-2 $31

Less: Short Term uses (!) 52$.6 .0$ -$5- -$06

Surplus(E) / eicit (D) (5$4.) (6$24) (-$13) (0$65)

5$44 6$25 -$14 0$1.

($) $ ($5) $5



Borrower's Name:M/S Shiv Shakti pulses ANN!#R! J ANN!#R! J ANN!#R

(Rs in Lac) (Rs in Lac) (Rs in La

ro,ecte+ +omestic sales (Net sales) %rom .$6$3 to -.$-$4 Rs 1-0$1.

ro,ecte+ !9port sales %rom .$6$3 to -.$-$4 Rs $

Class$5aton o$ In97str" T/" LAST !AR "#R$ !AR %&LL&$ !AR %&LL&$ !AR %&LL&$

Assume+ A#*T! !stimate+ ro,ection ro,ection ro,ec

Norms -.$-$0.2 -.$-$0.3 -.$-$0.4 -.$-$0.5 -.$-$

(Months) . 0 - - -

* CURRENT ASSETS

C Raw materials importe+ $ $ $ $

(Months consumption) K*/ K*/ K*/ K*/ K

C Raw materials in+i8enous KR!% KR!% KR!% KR!% (Months consumption) KR!% KR!% KR!% KR!%

C &ther consuma7le spares $ $ $ $

(Months consumption) $ $ $ $

C Stocks in rocess KR!% KR!% KR!% KR!%

(Months "ost o ro+uction) KR!% KR!% KR!% KR!%

C %inishe+ 8oo+s 50$21 ..0$22 ..0$-. ..0$10 .

(Months "ost o Sales) (0$-6) (0$30) (0$14) (0$61)

C Receiva7les D omestic 04$4- 6$66 6$.5 6$45

(Months Total sales) ($24) ($.) ($5) ($.)

C Receiva7les D !9port

(Months Sales)

A+vance to suppliers $ $ $ $

&ther current Assets KR!% KR!% KR!% KR!%

Total (*) KR!% KR!% KR!% KR!%

** CURRENT LIABILITIES

(&ther than 7ank 7orrowin8s)

"re+itors or urchases 3$5. ..$03 ..$20 .0$04

(Months purchase) KR!% KR!% KR!% KR!%

TL instalments .$04 .$04 .$04 .$04

A+vance rom "ustomers $ $ $ $

Accrure+ !9penses / rovisons $ $ $ $

Statutor? lia7ilities $ $ $ $

&ther current Lia7ilities< incl$ "re+itors or e9p 36$-- -$62 $5 $55

Total (**) 50$10 01$. 00$4 0-$11

*** orkin8 "apital ;ap (*D**) KR!% KR!% KR!% KR!%

* Actual/ro,ecte+ Bank Borrowin8s -1$5- .$ .$ .$ .

Total "urrent Lia7ilities (** E *) .04$61 .01$. .00$4 .0-$11 .* Actual/ro,ecte+ Net orkin8 "apital (*D) KR!% KR!% KR!% KR!%

** Min$ Stipulate+ Net orkin8 "apital KR!% KR!% KR!% KR!%

(e9cl$ !9port Receiva7les)

*** *tem No *** D *tem ** KR!% KR!% KR!% KR!%

* *tem No *** D *tem * KR!% KR!% KR!% KR!%

Ma9$ ermissi7le Bank %inance KR!% KR!% KR!% KR!%

(*tem *** or * whichever is lower)

* !9cess Borrowin8s (**D*)

SECTION II - FINANCIAL PARAMETERS AN3 ASSESSMENT

. FINANCIAL PERFORMANCE

Borrower's Name:M/S Shiv Shakti pulses

LAST !AR LAST !AR "#R$ !AR %&LL&$ !AR %&LL&$ !AR %&LL&

A"T#ALS A#*T! !stimate+ ro,ection ro,ection ro,ec

-.$-$0.6 -.$-$0.1 -.$-$0.2 -.$-$0.3 -.$-$0.4 -.$-$

(Rs in Lac) (Rs in Lac) (Rs in Lac

ai+ up "apital

a) !>uit? Share "apital -6$.. --$1- --$1- --$1- --$1-

a% Balan5e Seet 3ata ; Ca!tal

Str75t7re



Net Block 56$22 52$54 46$22 36$.4 21$04 13$3

%un+s *nveste+ outsi+e Business $40 -$-2 -$-2 -$-2 -$-2 -$-

C7rrent Assets 6'(& 16.('. 161(+' 16)(1 166() 16(

"ash an+ Bank Balance -$44 5$6. $11 $66 $2 .$3

7) %s in Banks $ $ $ $ $ $

.4$62 04$4- 6$66 6$.5 6$45 3$3

*nventor? 6.$.4 ..3$1 .1.$55 .1-$3. .12$5 .12$

other current Assets .$24 6$63 6$63 6$63 6$63 -$

C7rrent La#ltes &)(' 1(&' 1'(.1 1(. 1)('' 1&(

Bank Borrowin8s -3$2 -1$5- .$ .$ .$ .$

Sun+r? "re+itors or 8oo+s $ 3$5. ..$03 ..$20 .0$04 .0$5

"re+itors or !9penses $ $ $ $ $ $

6$-1 .$04 .$04 .$04 .$04 .$0

&ther current Lia7ilities an+ provisions.$46 -$61 -$62 $5 $55 .$

Net C7rrent Assets (1+ )(.' )6(+& &.() &() &&('

F7n9s 3e!lo"e9 NBFIOBNCA%11+(6' 1)()* 1&(+6 11+(6 111(&+ 1.'(6

#% O!eratonal 3ata

;ross Sales 0-5$4 13$.1 1-0$1. 115$.- 143$5 2.2$6

Less: !9cise / Sales Ta9 $ $ $ $ $ $

Net Sales 0-5$4 13$.1 1-0$1. 115$.- 143$5 2.2$6

& which e9ports $ $ $ $ $ $

&ther *ncome (net) $ $ $ $ $ $

Total Re5e!ts )*(. '.+(1' ')('1 ''*(1) '+(.* 616(&

Manuacturin8 e9penses 0.3$42 62$.3 646$64 1.0$1. 16.$63 13.$3

A+m$ = Sellin8 !9penses 3$.0 .2$.4 .2$55 .3$46 .4$3- .5$2

epreciation 2$1- .6$1 .0$-0 .$63 4$5 3$1

*nterest -$2. .$55 .-$1 .0$0 ..$ 5$5

Total E<!en9t7re )'(1 '.1(& '6(& ''(& '.(1. 6.*(.

NPBT Total In5( - Total Re5e!ts%&(6 '()1 '(6+ 6(* 6(** +(&

Net roit Ater Ta9 6$24 1$-. 1$23 2$05 2$55 3$6

ivi+en+ /intt$ = sal$ To partners .$26 $54 -$ -$ -$ -$

roita7ilit? Ratio

NAT / Net Sales .$51 .$1 .$2 .$.0 .$.5 .$0

NAT / "apital !mplo?e+ -$54 6$. 6$16 1$-6 2$03 3$

Stock Turnover ratio (No o times) 1$61 6$6 -$03 -$6 -$1- -$3

Stock Turnover ratio (a?s) 23 5 ..0 .3 .6 5

e7tor Turnover ratio (No o times) .0$55 .3$15 ..5$5- .--$66 .0$2 35$5e7tor Turnover ratio (a?s) 04 0. - - -

AT / TN .0$15 .0$54 .-$. .-$60 .-$31 .-$6

"urrent Ratio .$1. .$01 .$05 .$-- .$-1 .$-

! Ratio (TTL/TN) 0$.3 0$06 .$42 .$1. .$.5 $5

! Ratio (T&L/TN) -$-- 1$-3 6$3- 6$.- -$20 -$.

@uasi ! Ratio (T&L / TN) .$0- .$51 .$36 .$11 .$-5 .$0

"re+itor Turnover ratio (No o a?s) 3 5 5 5

@uasi ! Ratio (T&L / TN) .$02 0$1 0$06 .$55 .$35 .$1

@uasi ! Ratio (TTL / TN) $21 $34 $20 $62 $-0 $.

%&RMAT A %&RMAT A %&RMAT A

ASS!SSM!NT &% &R*N; "A*TAL %*NAN"!

(Rs in Lac) (Rs in Lac) (Rs in Lac)

Borrower's Name:M/S Shiv Shakti plses A#*T! !stimate+ ro,ectionA$ . LAST !AR -.$-$0.2 -.$-$0.3 -.$-$0.4

A$ .$. ro,ecte+ Turnover (Net o Sales Return< etc)

A$ .$0 Actual Turnover (Net o Sales Return< etc) 13$.1 1-0$1. 115$

A$ .$- ariance 7etween .$. an+ .$0 a7ove (in percenta8e terms) K*/ K*/ K*

A$ .$6 Actual Mar8in contri7ute+ towar+s orkin8 "apital re>uiD

rement (i$e$< e9cess o Total "urrent AssetsC over

"urrent Lia7ilitiesC) as per Au+ite+/rovisional Balance

Sheet o last ?ear

a) Amount -0$1 -2$36 6$

7) ercenta8e to .$0 a7ove 2$-0 2$5 3$

A$ 0 "#RR!NT !AR -.$-$0.3 -.$-$0.4 -.$-$0.5

!stimates !stimates !stimates

A$ 0$. Actual Turnover (Net o Sales Returns< etc) upto the

month previous to the +ate/month o the instant appraisal

A$ 0$0 Accepta7le turnover or ull o the "urrent ear ater 1-0$1. 115$.- 143$

takin8 into Account the 0 . a7ove = other ,ustiications

a) Receiva7les other than +eerre+ =e9port

*nstalments o term loans +eerre+pa?ment



7) ercenta8e to 0$0 a7ove 2$5 3$0.

A$ - N!T !AR -.$-$0.4 -.$-$0.5 -

A$ -$. The Turnover (net o Sales returns< etc) pro,ecte+ 7? the part? 115$.- 143$5

A$ -$0 The Turnover consi+ere+ accepta7le 7? the Appraisin8 authoD 115$.- 143$5

rit? or the instant appraisal consi+erin8< interDalia< the

relevent i8ures un+er O.O an+ O0O a7ove an+ other ,ustiiD

cations (to 7e speciie+)< i an?

A$ -$- Mar8in pro,ecte+ 7? the part? to 7e contri7ute+ in the 6$-0 60$4-

ne9t ?ear or orkin8 "apital %inance$

A$ -$6 Mar8in stipulate+ 7? the Appraisin8 Authorit? D

This mar8in is to 7e hi8her amon8 the ollowin8:

a) !ither 1 o the -$0 a7ove 03$52

7) &r the amount as per -$- a7ove 6$-0

31.03.2017 31.03.2018 31.03.2019 3

A$ 6 !RM*SS*BL! BAN %*NAN"! (B% shall 7e 01 o A -$0 .--$.- .-5$34 .62$33

Minus the amount arrive+ at un+er the A -$6 a7ove) -2$36 6$-0 60$4-

A$ 6$. Amount o B% 52$-5 55$62 .-$56

A$ 6$0 ercenta8e o B% amount to A -$0 a7ove .4$. .3$35 .3$3



%&RMAT B %&RMAT B %&RMA

ASS!SSM!NT &% &R*N; "A*TAL %*NAN"!

B$ "&#NT!R "G!" &N TG! B% ARR*! AS !R A$6 AB&!

articulars Step Last "urrent Ne9t Ne9t N

No ear ear ear ear

-.$-$0.2 -.$-$0.3 -.$-$0.4 -.$-$0.5 -.$

B$ . !R%&RMAN"! ARAM!T!RS (Rs in Lac) (Rs in Lac) (Rs in

B$ .$. Avera8e Monthl? Sales (*) 60$02 66$-4 62$15 64$50

B$ .$0 Less: Avera8e Monthl? !9ps

B$ .$0$. urchase o Raw Materials -1$06 -3$.0 -5$-1 6.$14

Stores<Stocks in Tra+e< etcB$ .$0$0 ower an+ %uel .$31 .$46 .$45 0$

B$ .$0$- a8es = Salaries $-0 $-6 $-1 $-3

B$ .$0$6 &ther M8$ = Business !9ps -$- -$15 -$2. -$22

B$ .$0$1 &thers $ $ $ $

B$ .$0$2 Total Monthl? !9penses (**) 6$2. 60$44 61$0 63$2

B$ .$- Monthl? Surplus (* D **) .$21 .$1 .$6 .$-0

B$ 0 &!RAT*N; ""L!

B$ 0$. No$ o +a?s or which stock o KR!% KR!% KR!% KR!%

raw material< stores< spares

StockDinDtra+e< etc are re>uire+

B$ 0$0 Avera8e pro+uction time re>uire+ KR!% KR!% KR!% KR!%

or conversion o raw material

into %inishe+ ;oo+s (in case o

Manuacturin8/rocessin8 units)

B$ 0$- Avera8e stockin8 perio+ or 3. 4- 34 31

%inishe+ ;oo+s / Stock in Tra+e

B$ 0$6 Avera8e perio+ o cre+it sales 0. - - -

(time taken or realiPation o

Sale procee+s rom tra+e+e7tors)

B$ 0$1 T&TAL &!RAT*N; ""L! (*) KR!% KR!% KR!% KR!%

B$ - AR&*MAT! R!@#*R!M!NT &% &R*N; "A*TAL %*NAN"!

B$ -$. ;ross orkin8 "apital re>uire+ KR!% KR!% KR!% KR!%

(Step No **) 9 (Step No *)

- +a?s in the &peratin8 "?cle

B$ -$0 Less: Avera8e amount o Sun+r? 3$5. ..$03 ..$20 .0$04

"re+itors< e>uivalent to

one operatin8 c?cle/a+v$ rom customers or Supplies

B$ -$- ;R&SS &R*N; "A*TAL R!@#*R!M!NT KR!% KR!% KR!% KR!%

B$ -$6 Less: Amount that is/can 7e conD -0$1 -2$36 6$-0 60$4-

tri7ute+ 7? the Borrower

towar+s mar8in or / "

rom the Bankin8 S?stem

B$ -$1 Appro9imate re>uirement o orkD KR!% KR!% KR!% KR!%

in8 "apital %inance rom the

Bankin8 S?stem< i$e$< B$ -$- (D)

B$ -$6 a7ove$

A"T#AL R&J!"T! BAN B&RR&*N;S -1$5- .$ .$ .$



/or=n> Ca!tal Assesment : Borro?er@s Name:M;S S Sa=t !7l

I% Na"a= Commttee T7rnoer M (Rs$ in Lacs)

.11-1 .1-1) .1)-1&

A79te9 Estmaton Proe5ton

A ro,ecte+ Accepte+ Turnover 13$.1 1-0$1. 115$.-

B orkin8 "apital (01 o A) .02$35 .--$.- .-5$34

C Mar8in (1 o A or pro,ecte+ N -0$1 -2$36 6$-0

3 Permss#le Ban= Fnan5e PBF *&(+& *6()* **(&6

II% Ton9on Commttee Tra9tonal Meto9%

A Total "urrent Assets .2$1 .2.$31 .2-$.0

B Total "urrent Lia7ilities (e9clu+in 40$06 .6$3- .0$10

C Total "urrent Lia7ilities .04$61 .01$. .00$4

(*nclu+in8 7ank 7orrowin8s = e9clu+in8 installment o Term Loan)

3 ro,ecte+ N" (AD") -0$1 -2$36 6$-0

E orkin8 "apital ;ap (ADB) 34$02 .63$0 .1$2

F Minimum Stipulate+ Mar8in D .st -0$1 -2$32 6$-0

(01 o ! or N"() which ever is hi8her)

G Minimum Stipulate+ Mar8in D 0n+ 6$.- 6$66 6$34

(01 o A or N"() which ever is hi8her)

0 Ma<m7m Permss#le Ban= F &6(1 11.(+ 11.(

I Ma<m7m Permss#le Ban= F )(1& 1.6(' 1.*(

CCAs per 8ui+elines workin8 capital limit is to consi+er either B% or MB% which e



Assessment of Bank Guarantee

Sr Particulars

A Existing Level of BG.

B Less BG expected to be returned the e!r

C Expected Level of re"!in BG #$%B&

D 'ontr!cts in h!nd (here BG re)uired

E 'ontr!cts expected during the e!r F *ot!l eligible contr!cts #E+,&

G BG re)uired for eligible contr!cts #!s per det!ils&

H BG re)uire"ent for !n other purpose #-pecif&

I *ot!l re)uire"ent of BG during the e!r #'+G+&

DETAILS

Sr.

TOTAL

Assessment Yr!""#$"

Details of Contracts %mentionIn&an'(e)*ecte'+

,alue inLacs

BGre-uire'

,alue of BGre-uire'



2015 201/ 201 2018

3/5 3/5 3/5 3/5

'ost of -!les 224.3 44./ 4/.8 522.8

/0 32.4 2./5 112.// 112.31

ti"es /.85 5.12 4.41 4.//

/a1 0aterials %'a2s+ 34 5$ 64 56

FG 8.44 24.85 3.33 41.40ti"es 2/.5 1.10 12./3 12./3

Finis&e' 7oo's %'a2s+ $8 $# !# !#

/ 0 112 10

Stock turno9er 'a2s / 0 112 10

:et ;ort&

Particulars !"$4 !"$8 !"$3

pening * 25.22 2.53 34.1

$dd 6rofit !fter t!x 5.31 5./ /.2

7ncre!se in e)uit sh!r 0 0 0

Less (ithdr!(!l 1 1.1 1.2

'losing * 2.53 34.1 3.1

Turno9er met&o'

Particulars Estimate' Pro<ecte'

!"$!$4 !"$4$8

!& Part57lars A79te9 Estmate9 Proe5te9

b& .1& .1' .16

c& Net sale pro,ection 0-5$4 13$.1 1-0$1.

d& 15$51 .02$35 .--$.-

e& ..$55 01$-2 02$2-

e& 00$.3 -0$1 -2$36

f& 00$.3 -0$1 -2$36

B% -3$34 56$36 52$-5

$ met&o'

PA/TIC=LA/S !"$8 !"$3 !"$>*ot!l 'urrent $ssets /5.42 1/0.50 1/1.5

1.84 11.3/ 14.3

or9ing '!pit!l G!p /3.58 14.14 14.02

:!rgin 25; of 'G 15.0 3.2 3/./

$v!il!ble ' 22.1 32.05 3/.4

01 o (a) a7ove viP

total re>uirement o

orkin8 capital$

1 o (a) a7ove viP

mar8in or workin8

capital$

Actual / ro,ecte+

N"

Mar8in or workin8

capital or Actual /

ro,ecte+ N"<whichever is hi8her

Less 'urrent li!bilities#ther th!n B!n9Borro(ings &



22.1 32.05 3/.4

:6B, 41.41 11.0 110.28

Particulars Au'ite' Pro9isional Estimation Pro<ection

4$."4.$! 4$."4.$4 4$."4.$8 4$."4.$3

O*enin7 T:; 31.3 1.3 22.38 23.55

A''? Profit after ta) 5.08 4.58 5.1 /.08

Increase in e-uit2 ( s&a 0 0 0 0

A'<ust? ;it&'ra1als 1.2 1.3 4 4Closin7 T:; 1.3 22.38 23.55 25./3

35.0 22.38 23.55 25./3

6!rticul!rs $udited 6rovision!l Esti"!tion 6ro<ection

31.03.12 31.03.13 31.03.14 31.03.15

pening * 31.3 1.2 23.11 40.3/

$dd 6rofit !fter t!x 5.0 5.32 5.5 5.

7ncre!se in e)uit sh!r %15.3/ 0 15 0

$d<ust ithdr!(!ls 1.2 1.3 3.5 3.5

'losing * 1.2 23.11 40.3/ 42.83

1.2 23.11 40.3/ 42.83

S( No( 8ear 7antt" Total

. 0.-D.6 1 3431 -5-31

0 0.6D.1 .0 4.2 5350

- 0.1D.2 .0 54 ..32

6 0.2D.3 .0 ..61 .-36

1 0.3D.4 .0 .-21 .1234

Part57lars !stimate+ ro,ection ro,ection ro,ection

:ini"u" stipul!ted"!rgin 25; of 'G6ro<ected ' #(hichever is higher&

Mont o$

O!eraton



-.$-$0.6 -.$-$0.1 -.$-$0.2 -.$-$0.3

&penin8 TN 05$6 -6$4 -4$23 6-$1

6$24 1$-. 1$23 2$05

0.2 0.84 0./

Closn> TN/ )&(. )(6+ &)(' &()

0.2 0.84 0./

Part57lars .1 .1) .1& .1'

A79te9 A79te9 Estmate9 Proe5te9&penin8 TN -6$.. -3$.3 --$1- --$1-

-$2 3$-5 .$1 .-$-6

$ $ $ $

$ $ $ $

$ $ $ $

Closn> TN/ -3$.3 66$12 6-$14 62$43

8ear .16 .1+ .1 .1*

Net Blo5= 128.03 113.02 .8/ 88.32

Term Loan O;s 50.00 54.24 43.5 33./

FACR 2.5/ 2.08 2.2 2./2

8ear .16 .1+ .1 .1*

Net Blo5= 128.03 113.02 .8/ 88.32

Term Loan O;s 4 82 0 58

FACR 1.3/ 1.38 1.43 1.52

A99: Reserve/ roit

ater ta9/ loss

In5rease in e>uit? /

share premium

Less: "han8e in

intan8i7le Assets

Less: ivi+en+s /

with+rawal

A99: Reserve/ roit

ater ta9/ loss

In5rease in e>uit? /

share premium

Less: "han8e in

intan8i7le Assets

Less: ivi+en+s /

with+rawal/&ther

ith+rawals



Part57lar MEANS OF FINANCE

1Lan+ .$- 6.$61

0$4 1$

2-$50 Term Loan .1.$

plant = machiner? -3$

live stock ..0$

electrical installation -$

water works 0$

+eposit .$.1

0$

TOTAL &(&' TOTAL &(&' 0.00

Part57lar"!rgin contribut $"ount B!n9 ,in!nce ;

Lan+ .$- 100.00; 1.30 0.00;

0$4100.00; 2.08 0.00;

2-$50

30.00; 1.18 0.00;

lant = machiner? -3$ 2.03; 10.4 0.;

Live stock ..0$ 28.5; 32.00 1.43;

electrical installation -$ 100.00; 3.00 0.00;

water works 0$ 100.00; 2.00 0.00;

+eposit .$.1 100.00; 1.15 0.00;

0$100.00; 20.00 0.00;

TOTAL &(&' *1(&'

articulars 0.1D.2 0.2D.3 0.3D.4 0.4D.5

No$ o cows .64 .10 .2 .3-

Cost o$

Proe5t

romoterQs

contri7ution

Lan+ = Site

+evelopment

#nsecure+

Loans rom%rien+s =

Relatives

Boun+r? wall =

encin8 = "ivil work

mar8in or workin8

capital

Cost o$

Proe5t

Lan+ = Site

+evelopment

Boun+r? wall =

encin8 = "ivil

orkm<

mar8in or workin8

capital



.0$5415 .-$ .0$55 .0$55

.50.$5. .532$ 033$36 0062$12

1-4.-1$3 11-04$ 14.324$-0 205-3$

Sales rice per Liter -0$ -0$ -0$ -0$

.30$0 .33$1 .42$.3 0.$05

8ear .1' .16 .1+ .1

Net Blo5= 56$22 52$54 46$22 36$.4

Term Loan O;s 1$ 16$06 6-$51 --$23

FACR .$45 .$35 .$5- 0$0

Part57lars!stimate+ ro,ecte+ ro,ecte+ ro,ecte+

0.1 0.2 0.3 0.4&penin8 TN -6$.. )(+* &&(1 &*(++

6$24 1$-. 1$23 2$05Reserve/ roit ater ta

Closn> TN/ )(+* &&(1 &*(++ '6(.6

3.1 40.2 43.58 4/.8

1./2 3.18 /.1 .1

Part57lars .1) .1& .1' .16

A79te9 Pro Estmate9 Proe5te9

&penin8 TN 611$5 614$.- 123$-2 203$.5

6$24 1$-. 1$23 2$05

.6$5 13$.2 3$41

Less: /t9ra?al .$26 $54 - -

Closn> TN/ &'(1) '6+()6 6+(1* +.1())

3.1 40.2 43.58 4/.8

er +a? Milk

ro+uction per aninal

Milk pro+uction per

+a?

Milk pro+uction per

annum

Total Revenue rom

Milk (in Lacs)

A99:

In5rease in e>uit? / A

Less: ivi+en+s / with

A99: Reserve/ roit

ater ta9/ loss

In5rease in e>uit? /share premium

A33: ;eneral

Reserves



420./ 52/.44 583./1 /54.4/

455.0



201 2020 2021

3/5 3/5 3/5

550.3 5.35 /0.88

112.52 110.18 104.88

4.8 5.2/ 5.82

53 ># >4

43.5 45.8 48.2812./3 12./3 12./3

!# !# !#

104 8 2

104 8 2



1531 /02.83

1531 14.1/1531 1800.4/1531 2103.51531 2400.30

ro,ection

Aera>e

!r5e o$

teMo#les

Total

Sales

Rs(nLa5s%



64$4-

KR!%

1.08

DREF

1.08

.. .1 .8.18 /.2 /1.43

23.3 13.10 2.81

3.34 5.2 21.8/

.. .1 .8.18 /.2 /1.43

34 10 0

2.3 /.3 0

-.$-$0.

4



$"ount

0.00

0.00

44.4

2/.2/

80.00

0.00

0.00

0.00

0.00

1'1(..

.51

0.5D

00



.0$55

12.8545

01-0$01

-0$

002$45

.1* .. .1

21$04 13$3. 1.$04

0-$-5 .-$. 0$4.

0$35 6$6. $

ro,ecte+ ro,ecte+ ro,ection

0.5 00 00.

'6(.6 6)(.' +.(&*

2$55 3$66 3$34

6)(.' +.(&* +(+

50.85 55.2 5.0/

12.2 15.2 21.21

.1+ .1 .1*

Proe5te9 Proe5te9

3.$-- 356$0 54$.5

2$55 3$66 3$34

44$3 .5$3- .-6$00

- - 2

+*&(. *.(1* 1.&&(1*

50.85 55.2 5.0/

35-$.

6

Proe5te

9



43.1 852.0 8.13



0(s @ALA/A

DESC/IPTI

=epreci!tion

7nt. on *er"

7nt. on *er"

TOTAL

/EPAY0E:

>ep!"ent o

7nt. on *er"

7nt on *er" L

TOTAL

D.S.C./

a7e D.S.C./

a7e D.S.C./

@=STFICATI

*he p!rt is d

(ith :!h!n!

6!rt is h!vin

? the h!ve r

,or the s!id t

*he !ver!ge

for s!nctionin

before>e"uner!ti

on



2014%15

2014%15

2015%1/

201/%1



201/%1

201/%1

i



i

Part57lar

s

&penin8

TN

A99:

Reserve/

roit aterta9/ loss

In5rease

in e>uit? /

share

premium



Less:

"han8e in

intan8i7leAssets

Less:

ivi+en+s /

with+rawal /&ther

ith+rawal

Closn>

TN/



0 T/A:SPO/T BILASP=/ %C.G+

CALC=LATIO: OF DEBT CO,E/AGE /ATI

4$("4($!

20./

2.3

/.43

18.3

$45.66

OF LOA:

/0.1

/.43

18.3

63.34

$.>$

:S

e!ling (ith us since 14 ? (or9ing !s tr!nsporters ? (!gon lo!ders

i 'o!lfields Ltd.

g subst!nti!l !"ount of !lloted tenders in h!nd for lo!ding ? tr!nsporting@

e)uested for 02 p! lo!ders to co"plete the tender s"oothl ? ti"el.

er"lo!n p!rt is contributing !s "!rgin 18 l!cs ie 20.45; of the tot!l cost.

=-'> is 1.41@thus loo9ing to the genuine re)uire"ent@ (e reco""end

g the s!id *er" lo!n of >s 0 L!cs for purch!sing the p! lo!ders

ear

0.1D.2

0.2D.3

0.3D.4

0.4D.5

0.5D000D0.

00.D00



0ont&

$pril

:!

Aune

Aul

$ugust-epte"ber

ctober

ove"ber

=ece"ber

A!nu!r

,ebru!r

:!rch

0ont&

$pril

:!Aune

Aul

$ugust

-epte"ber

ctober

ove"ber

=ece"ber

A!nu!r

,ebru!r

:!rch

$pril

:!

Aune

Aul

$ugust

-epte"ber

ctober

ove"ber

=ece"ber

A!nu!r

,ebru!r

:!rch

$pril

:!

Aune

Aul

$ugust



-epte"ber

ctober

ove"ber

=ece"ber

A!nu!r

,ebru!r

:!rch

$pril

:!

Aune

Aul

$ugust

-epte"ber

ctober

ove"ber

=ece"ber

A!nu!r,ebru!r

:!rch

$pril

:!

Aune

Aul

$ugust

-epte"ber

ctober

ove"ber =ece"ber

A!nu!r

,ebru!r

:!rch

NAT

*nt$&n Term Loan

epTotal

*nstallment on TL

*nt$&n Term Loan

Total

3SCR

A4G 3SCR



.1'

Proe5te9

-6$..

6$24

$



$

.$26

-3$.1

3.1

Base+ on past tren+s an+ pro,ecte+ perormance< the limit re>uirement coul+ 7e assesse+ as

1 O!enn> Balan5e;Iss7e9;7tle9 as on 1&(.)(.1&

G7arantees reH7re9 to #e ss7e9 $or Ne? /or= Or9er:

erormance ;uarantees: 1 o New work or+ers in han+ worth Rs$ 315.$33 Lacs$

CSecurit? eposit: 3$1 o work or+ers in han+ worth Rs$ -.2$.6 Lacs$

Total : 1 %

) G7arantees reH7re9 to #e ss7e9 $or E<!e5te9 ?or= or9ers:

erormance ;uarantees: 1 o e9pecte+ work or+ers in han+ worth Rs$ 21$ Lacs$

CSecurit? eposit: 3$1 o e9pecte+ work or+ers in han+ worth Rs$ 21$ Lacs$

Total : 1 %

Total ne? an9 e<!e5te9 ?or= or9er

Total 1)%

Less: Bank ;uarantees to 7e cancelle+ +urin8 the ne9t .0 months

) Ban= G7arantees Lmt reH7re9

& Ban= G7arantee Lmt reH7este9 #" te !art"

& Ban= G7arantees Lmt re5ommen9e9 $or san5ton



O?%CO:SOLIDATED+

4$("4($4 4$("4($8 4$("4($3 4$("4($>

23.83 28.82 31.8 35.32

/.28 51./ 38. 2.23

5.14 3.8/ 2.5 1.2

11.3 4.3 0.45

$"#.>8 6#."4 54.55 >3.68

/0.1 /0.1 1.08 10.1

5.14 3.8/ 2.5 1.2

11.3 4.3 0.45

55.!8 >6.#> !".$ $!.""

$.8! $.!# 4.>5 3.8#

No$ o installment Total "umulative Total

.0 0$. 01$0 01$0

.0 0$. 01$0 1$6

.0 0$. 01$0 31$2

.0 0$. 01$0 .$4

.0 0$. 01$0 .02$

.. 0$. 0-$. .65$.

. .$5 .$5 .1.$

30 .1 .1.$ 152.0

Amount oinstallment



o* al installment al int rate int

151.00 2.10 148.0 12.40; 1.5/

148.0 2.10 14/.80 12.40; 1.54

14/.80 2.10 144.0 12.40; 1.52

144.0 2.10 142./0 12.40; 1.50

142./0 2.10 140.50 12.40; 1.4140.50 2.10 138.40 12.40; 1.45

138.40 2.10 13/.30 12.40; 1.43

13/.30 2.10 134.20 12.40; 1.41

134.20 2.10 132.10 12.40; 1.3

132.10 2.10 130.00 12.40; 1.3

130.00 2.10 12.0 12.40; 1.34

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CMA Gurudev