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A PROJECT REPORT ON
A STUDY OF
"PROJECTED FINANCIAL STATEMENT TO BE
SUBMITTED TO
THE BANK FOR LOAN PROPOSAL"
SUBMITTED
BY
UNDER THE GUIDANCE OF
PROF.
IN PARTIAL FUILMENT OF
BACHELORS OF BUSINESS ADMINISTRATION
2010-2011
TO
OF ARTS, SCIENCE AND COMMERCE
AFFILITED TO UNIVERSITY OF PUNE
CAMP, PUNE-1
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PREFACE
This project report is based on "Projected financial statement to be submitted to the
bank for the loan purposes".
It was taken care during the entire project that there is no false information wrong map or
manipulated data is included at any point. This report is based on the information provided
by authority & personal observation.
It was really a best project to work on which gave me an inestimable chance to learn.
Rajeev Ranjan T.Y B.B.A
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ACKNOWLEDGMENT
I wish to express my sincere thanks and gratitude to all of them who have helped me to
complete my project report.
First of all I would like to thank the supreme power, the almighty GOD, who has always
guided me to work on right track & always blessed me with his blessing by giving me the
best.
I am sincerely thankful to the all concern authorities & employees from Production, HR,
Personnel Department & worker of the concern industry and the SBI BANK for providing me
valuable information & their precious time.
This project report could not have been completed without the guidance of Our Principal
and Our Project Guide Prof.
Rakesh mittal
Once again I would like to thank to everyone who had directly & indirectly helped me for
completing this Project Report.
Rajeev Ranjan
T.Y B.B.A
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INDEX
Sr. no Particulars Page no.
1 ABOUT PROJECT REPORT
2 OBJECTIVE OF THE PROJECT
3 COMPANY PROFILE
4 ABOUT COMPANY
5 PLANT LOCATION
6 PRODUCTION INTRODUCTION
7 PRICING POLICY
8 COMPETITION
9 FINANCE DEPARTMENT
10 SOURCE OF FINANCE
11 CAPITAL STRUCTURE
12 FUTURE PLANS
13 REASON FOR TAKING LOAN14 ASSUMPTION
15 FINANCIAL STATEMENT
16 BANK REPAYMENT SCHEDULE
17 PROJECTED DEPRECIATION
18 PROFITABILITY STATEMENT
19 PROJECTED CASHFLOW20 PROJECTED BALANCE SHEET
21 PROJECTED RATIO ANALYSIS
22 ANNEXURE
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INTRODUCTION
We are thankful to PUNE UNIVERSITY for having Project Report on
"Projected Financial statement to be submitted to the bank for loan
proposals" in BBA course. It was really a good experience to make a report
with the company and the Bank.
In BBA course the Project report is the really very helpful to learn
the practical knowledge about the companies. Project report was
completed in a food industry, i.e. RANJAN FLOUR PVT. LTD. This report help
me to learn about how the company manage there financial & marketing
strategies' manufacturing process of goods, working environment, there
plant location & plant layout was observed & studied.
The information was noted during the industry visits by own
observation about the unit & there running production & other process.
Which lead to enough emphasis on development of us.
At over all experience, it can be said that the project report in BBA will
greatly benefit the future of the student.
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Objective of the study
The main objective behind this project work was to get an insight in to the
functioning of Finance Department of the company and the way to get the
loan from the any nationalized bank.
Primary objectives:
To watch how the production & operation work take place in a factory.
Which policies and strategy they adopt to expand there business and keep a
valuable position in market or customers mind.
To study the inter relationship of Finance Department with other
departments.
To study the working capital and way of get the loan from the bank.
Secondary objectives:
To understand the marketing strategy of a company to maintain their
working capital.
To understand the different loan schemes and process of loan in a bank.
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Company Profile
1. Registered Name of the Company RANJAN FLOUR PVT.LTD.
2. Year of
Establishment
2011
3. Business
Type
Manufacturer
4. Type of
Ownership
Private sector Enterprises
5.Corporate Office
6.Factory
7.Telephone no.
8.Fax no.
9.Email
10.Website
11.Total no of
Employees
12.Types of Product
Rathi Chamber 7, Deccan
College Road, PUNE (MH)
Gat-144/145, Dhanore
Alandi-Market Road, PUNE.
020-66496622
020-27700169
info@ ranjanflour.com
www.ranjanflour.com
30-40 People
Flour
http://ranjanflour.com/http://www.ranjanflour.com/http://www.ranjanflour.com/http://ranjanflour.com/7/30/2019 Ranjan Floor
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Company Mission & Vision
COMPANIES MISSION STATEMENT:
"To attain and maintain a position of leadership and market
dominance in "Food Products" while leveraging our core strengths of
Sourcing & Logistics."
COMPANIES VISION STATEMENT:
"To achieve national leadership in Food Product business by
providing best wheat Product like Aata, which is useful in making
various foods and food products".
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Company s Belief:
We endeavour to reach the leadership position in each Segment /
Sector of our Product /Service. We are committed to satisfy our customers
by providing such Quality Product / Service. Which gives highest value for
money.
We believe that employees are most important asset through which we
can reach the top in each category of our Product /Service. Therefore, we
will emphasize on their continuous improvement through up-gradation ofrelevant knowledge and training.
We commit ourselves to continuous growth, so as to fulfill the
aspirations of our customers, Employees and Shareholders.
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Location of the unit
Alandi is a second line city of PUNE, where business is growing at a rapid
speed. Alandi MIDC developed there. MIDC has own electrical thermal
station in which electricity is easily available.
This brought revolution in setting up of business units in aiandi. Due to
this idea of establishing business unit came into mind of director.
Secondly population of alandi is very high so employment will be generated
amongst the people of Alandi. Raw materials and labour is easily available.
Before setting a unit, entrepreneur has to keep in mind the various
location factors such as availability of land, power, water such
infrastructure facilities availability of labour etc...
It is quite known that ALANDI.PUNE is an industrial area and we can obtain
any facility as a convenient way. Surrounding area is containing a big
market for the Food Products. There are many other facilities of factors,
which inspired to choose proposal location.
LABOURS:-
Generally all types of man power are available at reasonable cost. As for as
this manufacturing firm is concerned with semiskilled labour and also get
labour in adequate number and at cheap rate
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RAW-MATERIALS:-
There is more transportation facility because of center point of Baramati,
Pune. From this we can easily get the raw materials like wheat, bags etc.,
RANJAN FLOUR PVT.LTD. Purchase raw materials from various villages and
cities.
TRANSOPRTATION & COMMUNICATION:-
As we have seen that PUNE is a center point of ALANDI. So transportation
facilities are available in PUNE. It is situated on National High Way. So,
road transport is easily available.
INDUSTRIAL ATMOSPHERE:-
There is better industrial atmosphere in ALANDI (PUNE) as so many other
industrial. Like Textile, Steel, Cotton, Chemical, oil Industrial & Forging
Industries etc., are located there. Hance we could easily develop jour
industry through inspiration of other industries.
FINANCIAL FACILITIES:-
There is availability of national bank IN ALANDI and this companys
headquarter is nearer to Pune city.
OTHER FACTORS:-
There are so many other factors, like electric connection
maintenance of machine, technical knowledge, which are responsible
for the set up of our industry in this area. Thus, location is suitable in
every aspect.
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Production Introduction
Production is a very integral part of the business system "productionmeans a bundle of utilities by the company to its customer continues
process to convert raw materials into final product is called a
manufacturing process".
Production involves the steps-by-steps conversion of one from of materials
into another chemical processing to create or enhance the utility of
product or services.
The production or manufacturing department holds the most important
and basic position in any industry or a unit.
The RANJAN FLOUR PVT.LTD. is production some of the item listed below.
Aata
Biscuit, Bread.etc.
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Pricing Policy
Price is money value of the product that is agreed upon thetransaction. Price plays very important role in marketing because price
decides profit & financial position of the business firm.
Price is the exchange value of the product or services always expressed in
money. Pricing concept plays a vital role in marketing management. The
decision regarding pricing must be taken after considering every aspect
of business & while fixing the price not only profit but social
responsibilities should also be taken into consideration.
Factors Affecting to the price of product:
Cost of production Competitive price in the market
Normal profit
Advertising cost
Distribution cost
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Competition
Any type of organization faces the competition in market. When in
market competition is on more so any industry has a monopoly so
competition is play vital role in the market.
Competitor "RANJAN FLOUR PVT.LTD" Is not only in PUNE but all in
MAHARASHTRA that is given below.
Shyam Roller Flour Mill Coloration Flour Mill
Ambuja Roller Flour Mill Etc.
Above given mills situated in different cities.
Shyam Roller Flour Mill is situated at KHADKI. Coloration Flour Mil is
situated at THANE. Ambuja Roller Flour Mill is situated at KALYAN.
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Introduction
Finance is regarded as the life block at business enterprises. This is
because modern business is money oriented economy finance is one of
the basic foundations of all kinds of activities.
Financial Management is an appendage of the finance function.
Financial Management involvers the application of general
management that part of mgt. Which is concerned mainly with raising
funds as profitably as possible planning future operation & through
finance according cost, accounting badgering statistics & other means? It
is continuously concerned with achieving as adequate rate of return on
investment, as this is necessary for survival & attracting new capital. It
is the various projects depending upon their importance & pay off
capacities.
Financial Function, center rounds the mgt. of fund raising & using the
effectively financial mgt. is important because it has impact on all the
activities of firm its primary responsibly is to discharge the finance
function successfully in touches of all the other business function.
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Source of Finance
Source of finance means where to collect funds. And in which manner
it collects the funds which are used in day to day operations of the
company. Generally there are two source of finance.
Internal
External
In "RANJAN FLOUR PVT.LTD". industry, the source of funds is both
internal & external. The company collect the funds by OWNED,
personal loans and some Business loans and also take a some loan for
machinery.
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Capital Structure
Capital Structure refers to combination of ownership capitalpreference capital, capital loans, etc.
"RANJAN FLOUR PVT.LTD". Capital structure Comprises of both owners,
capitals as well as borrowed capital.
Owners capital:
Share capital of the company is owner's capital. Which is
contributed by the OWNER of the company.
Borrowed capital:
At "RANJAN FLOUR PVT.LTD". the available capital is perfectly utilized.
The company borrowed money from the State Bank of India.
Thus, the capital structure of "RANJAN FLOUR PVT.LTD". is simple.
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Future Plans
As the changing in market, the Managing Director of the "RANJAN
FLOUR PVT.LTD". Plan to maximum their sales, as much as possible by
more hard work; they also plan to take complete Automatic Machine to
cover newer technology in flour industry. So company planning to
increase the production to cover the national market in future.
So due to fluctuation in market and the competitors, the board of the"RANJAN FLOUR PVT.LTD". is deciding to install more automatic
machine in their premises.
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Financial Planning
A firm needs to manage its resources effectively and effective manner is
possible only when the management works out the future courses of action
in advance and takes decision on professional manner, utilizing the individual
and group efforts in co-ordinate and rational manner planning should
estimate the resources required to carry out the operations and determine
how far these resources can be generated internally by the form itself and
how far they will have to obtained externally.
Generally "RANJAN FLOUR PVT.LTD". Prepare financial planning as follows:
Company decides its long-term and short-term objective: Requirement of
long-term and short-term capital.
The Management of the company believes that to develop the procedure is
most the end of the financing activities or planning but must control over
that. For this purpose company review the short-term objective policies
procedures in the light of changed economic. Social and business situation
from time to time in orde to keep the changing environment.
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Reason for taking loan:
The company is planning to purchase some more automatic machine in order
to make more production and cover more market.
About the loan to be taken:-
The loan is taken for purchase of premises, to furnish it and buy other
automatic machine. For this purpose, the purchased premises will be hypothecated
to the bank as security .The term loan would be taken at 12% p.a.
Total lnvestment-60 Lakhs.
Owned Capital-18 Lakhs.
Bank loan-42 Lakhs.
Loan from-State bank of India (Alandi, pune)
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ASSUMPTION
1. Interest on term loan is calculated at 12%.
2. The term loan is required in 10 years and the installments are paid yearly.
3. The rate of depreciation are considered as mentioned in the income tax act.
The rates of depreciation are as follows:-
Land& building-12%
Machinery -10%
Furniture -10%
4. Working of F.B.T. (Fringe Benefit Tax) should be considered a per present rates and should
be debited to profit and loss account, but it is not allowable expenditure as per income tax
a so it can be shown after tax payment thus it has been ignored.
5. The company maintains a conservative dividend policy. The companies plough back all
the profits for the operations in the company.
6. It is being assumed that all transactions are being done through crossed only so
applicability of banking cash transaction tax (B.C.C.T) is not considered.
7. The land & machine is to be hypothecated to the bank.
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Financial
Statement
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CAPITAL INVESTMENT REQURED FOR THEPROJECT
Sr. No Particulars Amounts (R.S)
1 Cost of land 10,00,000.00
Cost of Construction 23,25,000.00
Total 33.25,000.00
2 Machine
Automatic Flour grinder 11,85,000.00
Exhausters 25,000.00
Total Equipment Cost 12,10,000.00
3 Furniture 50,000.00
4 Security deposit
Deposit with MSEB 25,000.00
5 Computer & printer 1,90,000.00
6 Working capital (3 months) 12,00,000.00
Total cost of the project 60,00,000.00
Own contribution (30%) 18,00,000.00
Bank finance (70%) 42,00,000.00
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Statement "A"
CALCULATION OF NET REVENUE FROM SALES
OF FLOUR IN A YEAR.
Assuming that the Flour is used by people on daily basis and it is
fast consuming items. It contains all the proper nutritions which
help in balanced diet. We give pack of 5 & 10KG. This is our
projected sales of one year.
SR. NO. Weight Rates/Bag Total no. of bags. Total revenue
1 5 KG 140 20000.00 28,00,000.00
2 10KG 250 13600.00 34,00,000.00
Total 62,00,000.00
Total annual revenue from sale of Flour is (28,
00,000.00+34, 00,000.00) 62, 00,000.00 I have assumed
that the annual growth in sales of Flour will increase by
10% from next year onwards.
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Statement "B
Working Capital
1) Personnel
(a).Administrative Staff
1. Factory Manager 1 R.S.-10,000
2. Accountant 1 R.S.-5000
3. Salesman 2 R.S.-12000
4. Store-keeper 1 R.S.-40005. Clerks 2 R.S.-12000
6. Watchman Peon 2 R.S.-8000
(b)Technical Staff
1. Production Chemist 2 R.S.-6000
2. Labour 2 R.S.-6000
Total-
63,000
(2)Raw Materials include packaging Requirements
Wheat RS.-3,10,000
(3) Utilities
1. Electricity
2. Oil Grease
Total-
R.S.-8000 months
R.S.-4000
12000
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(4) 0ther Expenses:
1. Repairs Maintenance R.S.-1,000
2. Consumable stores R.S.-1,000
3. Transport Travelling R.S.-5,000
4. Publicity R.S.-5,000
5. Postage stationery R.S. - 500
6. Telephone R.S.-1,500
7. Insurance R.S.-500
8. Miscellaneous R.S.-500
Total- 15,000
Total Working Capital =R.S. 400000
Total Working Capital = (3months) R.S. 12, 00,000
1. It is assumed that cost of raw material will increased at rate of 10 % in
the 2nd years and onwards.
2. It is assumed that revenue expenditures will increased at the rate of 7 %
in the 2nd
years and onwards.
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Bank
Repayment
Statement
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Statement "C"
CALCULATION OF YEARLY INSTALLMENT OF
BANK LOAN.
YEAR OPENING
BALANCE
INTEREST INSTALLMENT CLOSING
BALANCE
l 42,00,000.00 5,04,000.00 6,97,200.00 40,06,800.00
2 40,06,800.00 4,53,600.00 6,97,200.00 3763200.00
3 3763200.00 4,03,200.00 6,97,200.00 3469200.00
4 3469200.00 3,52,800.00 6,97,200.00 3124800.00
5 3124800.00 3,02,400.00 6,97,200.00 2730000.00
6 2730000.00 2,52,000.00 6,97,200.00 2284800.00
7 2284800.00 2,01,600.00 6,97,200.00 1789200.00
8 1789200.00 1,51,200.00 6,97,200.00 1243200.00
9 1243200.00 1,00,800.00 6,97,200.00 646800.00
10 646800.00 50,400.00 6,97,200.00 000
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Statement "D"
Depreciation on Land and Building
Years W.D.V. of the
Asset
Total(depre-ciable)
Amount
Depreciation @
12%
Closing
Balance of
the Asset
1 33,25,000.00 33,25,000.00 3,99,000.00 29,26,000.00
2 29,26,000.00 29,26,000.00 3,51,120.00 25,74,880.00
3 25,74,880.00 25,74,880.00 3,08,985.00 22,65,894.00
4 22,65,894.00 22,65,894.00 2,71,907.00 19,93,986.72
5 19,93,986.72 19,93,986.72 2,39,278.40 17,54,708.31
6 17,54,708.31 17,54,708.31 2,10,564.99 15,44,139.31
7 15,44,139.31 15,44,139.31 1,85,296.71 13,58,842.59
8 13,58,842.59 13,58,842.59 1,63,061.11 11,95,781.48
9 11,95,781.48 11,95,781.48 1,43,493.77 10,52,287.70
10 10,52,287.70 10,52,287.70 1,26,274.52 9,26,013.17
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Depreciation on Machinery equipments
Years W.D.V. of the
Asset
Total (depre-
ciable)
Amount
Depreciation
@10%
Closing
Balance of
the Asset
1 12,10,000.00 12,10,000.00 1,21,000.00 10,89,000.00
2 10,89,000.00 10,89,000.00 1,08,900.00 9,80,100.00
3 9,80,100.00 9,80,100.00 98,010.00 8,82,090.00
4 8,82,090.00 8,82,090.00 88,209.00 7,93,881.00
5 7,93,881.00 7,93,881.00 79,388.10 7,14,492.90
6 7,14,492.90 7,14,492.90 71,449.29 6,43,043.61
7 6,43,043.61 6,43,043.61 64,304.36 5,78,739.24
8 5,78,739.24 5,78,739.24 57,873.92 5,20,865.31
9 5,20,865.31 5,20,865.31 52,086.53 4,68,778.77
10 4,68,778.77 4,68,778.77 46,877.87 4,21,900.89
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Depreciation on Furniture
Years W.D.V. of
the Asset
Total(depre-
ciable)Amount
Depreciation
@10%
Closing
Balance ofthe Asset
l 50,000.00 50,000.00 5,000.00 45,000.00
2 45,000.00 45,000.00 4,500.00 40,500.00
3 40,500.00 40,500.00 4,050.00 36,450.00
4 36,450.00 36,450.00 3,645.00 32,805.00
5 32,805.00 32,805.00 3,280.50 29,524.50
6 29,524.50 29,524.50 2,952.45 26,572.05
7 26,572.05 26,572.05 2,657.21 23,914.85
8 23,914.85 23,914.85 2,391.48 21,523.36
9 21,523.36 21,523.36 2,152.34 19,371.02
10 19,371.02 19,371.02 1,937.00 17,433.92
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Total Depreciation
Years value In Thousands
1 5,25,000.00 525.00
2 5,05,020.00 505.02
3 4,11,045.00 411.04
4 3,63,761.00 363.76
5 3,21,947.00 321.94
6 2,84,966.73 284.96
7 2,52,258.27 252.25
8 2,23,326.51 223.32
9 1,97,732.64 197.73
10 1,75,089.49 175.08
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ProfitabilityStatement
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Statement of Profitability for the Projected Period
(RS .In Thousands)
Particulars Yearl Year 2 Year 3 Year 4 Year5
Revenue for the
projected period (As
per statement A)
Less: Revenue
Expenditures (As per
statement B)
6200.00
4800.00
6820.00
5136.00
7502.00
5495.52
8252.20
5880.20
9077.42
6291.82
Profit before
Interest,
Depreciation &
Income Tax
1400.00 1684.00 2006.48 2372.00 2785.60
Less: Bank loan
Interest
(statement "C")
Depreciation
(statement "D")
504.00
525.00
453.60
505.02
403.20
411.04
352.80
363.76
302.40
321.94
Profit before Tax
(PBT) Less: Income
Tax (Existing
Slab-Rates@S0%)
371.00
185.50
725.38
362.69
1192.24
596.12
1655.44
827.72
2161.26
1080.63
Net
Profit/(loss)
185.50 362.69 596.12 827.72 1080.63
CONTINUED..
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Particulars Year 6 Year 7 Year 8 Year 9 Year 10
Revenue for the
projected period
(As per statementA)
Less Ravenue
Expenditures (As
per statement B)
9985.16
6732.24
10983.67
7203.50
12082.04
7707.75
13290.25
8247.29
14619.27
8824.60
Profit before
Interest,
Depreciation &
Income Tax
3252.92 3780.17 4374.29 5042.96 5794.67
Less: Bank loan
Interest
(statement "C")
Depreciation
(statement "D")
252.00
284.96
201.60
252.25
151.20
223.32
100.80
197.73
50.40
175.08
Profit before Tax
(PBT)
Less: Income Tax
(Existing
Stab-Rates@50%)
2715.96
1357.98
3326.32
1663.16
3999.77
1999.89
4744.43
2372.22
5569.19
2784.60
Net
Profit/(loss)
1357.98 1663.16 1999.89 2372.22 2784.60
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ProjectedCash Flow
Statement
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Cash Flow statement for the Projected Period.
(RS. In Thousands)
Particulars Year1 Year 2 Year 3 Year 4 Year 5
Opening balance of cash
Net Profit as per
Profitability Statement
Add: Depreciation and
Interest
Add: Amount of Loan
disbursement
Add: Initial Own
Contribution
185.50
1029.00
4200.00
1800.00
1617.30
362.69
958.62
2041.41
596.12
814.24
2454.57
827.72
716.56
2901.65
1080.63
624.34
Therefore, Cash Inflow
Less:l.Bank Installment with
Interest
2.Capital Expenditure (As per
Statement of Capital
Investment)
3.Drawings of Proprietor
7214.50
697.20
4800.00
100.00
2938.61
697.20
200.00
3451.77
697.20
300.00
3998.85
697.20
400.00
4606.62
697.20
500.00
Therefore, Closing
balance of Cash
1617.30 2041.41 2454.57 2901.65 3409.42
CONTINUED
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Particulars Year 6 Year 7 Year 8 Year 9 Year 10
Opening balance of cash
Net Profit as per
Profitability Statement
Add: Depreciation and
Interest
Add: Amount of Loan
disbursement
Add: Initial Own
Contribution
3409.42
1357.98
536.97
-
-
4007.17
1663.16
453.86
-
-
4726.99
1999.89
374.53
-
-
5604.21
2372.22
298.53
-
-
6677.76
2784.60
225.49
-
-
Therefore, Cash Inflow
Less:l.Bank Installment with
Interest
2.Capital Expenditure (As
per Statement of Capital
Investment)
3.Drawings of Proprietor
5304.37
697.20
-
600.00
6124.19
697.20
-
700.00
7101.41
697.20
-
800.00
8274.96
697.20
-
900.00
9687.85
697.20
-
1000.00
Therefore, Closing
balance of Cash
4007.17 4726.99 5604.21 6677.76 7990.65
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ProjectedBalance
Sheet
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Balance sheet for the projected period(RS. In Thousands)
Particulars Year 1 Year 2 Year 3 Year 4 Year 5
l.Liablities A.
Proprietor's
Contribution
B.Net Profit
C.Drawings
Proprietor's
Capital (A+B-C)
Bank Loan
1800.00
185.50
100.00
1885.50
4006.80
1885.50
362.69
200.00
2048.19
3763.20
2048.19
596.11
300.00
2344.30
3469.20
2344.30
827.27
400.00
2772.02
3124.80
2772.02
1080.63
500.00
3352.65
2730.00
TOTAL 5892.30 5811.39 5813.50 5896.82 6082.65
2.Assets
Fixed Assets
Advances Deposit
Current Assets
(cash)
4250.00
25.00
1617.30
3744.98
25.00
2041.41
3333.93
25.00
2454.57
2970.17
25.00
2901.65
2648.23
25.00
3409.42
TOTAL 5892.30 5811.39 5813.50 5896.82 6082.65
CONTINUED
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Particulars Year 6 Year 7 Year 8 Year 9 Year 10
l.Liablities A.
Proprietor's
Contribution
B.Net Profit
C.Drawings
Proprietor's
Capital (A+B-C)
Bank Loan
3352.65
1357.98
600.00
4110.63
2284.80
4110.63
1663.16
700.00
5073.79
1789.20
5073.79
1999.89
800.00
6273.68
1243.20
6273.68
2372.22
900.00
7745.90
646.80
7745.90
2784.60
1000.00
9530.50
000
TOTAL 6395.43 6862.99 7516.99 8392.70 9530.50
2.Assets
Fixed Assets
Advances Deposit
Current Assets (cash)
2363.26
25.00
4007.17
2111.00
25.00
4726.99
1887.67
25.00
5604.21
1689.94
25.00
6677.76
1514.85
25.00
7990.65
TOTAL 6395.43 6862.99 7516.99 8392.70 9530.50
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Project
RatioAnalysis
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DEBT SERVICE COVERAGE RATIO
Years Profits before
Interest &depreciation
Installment
with Interest
DSCR
No. of times
1 1214.50 697.20 1.74
2 1321.31 697.20 1.89
3 1410.36 697.20 2.02
4 1544.28 697.20 2.21
5 1704.28 697.20 2.44
6 1894.94 697.20 2.71
7 2117.01 697.20 3.03
8 2374.40 697.20 3.41
9 2670.74 697.20 3.83
10 3010.07 697.20 4.32
Total
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1.741.89
2.022.21
2.44
2.71
3.03
3.41
3.83
4.32
1 2 3 4 5 6 7 8 9 10
DSCR
1
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Profitability ratios:
1. Gross Profit Ratio =Sales-Cost of goods sold x 100
Sales
2. Net Profit Ratio=Before Interest & Tax x 100Sales
Calculation of Gross Profit Ratio
Years Sales Cost of goods sold G.P. Ratio
1 6200.00 3720.00 40.00
2 6820.00 4092.00 40.00
3 7502.00 4501.20 40.00
4 8252.20 4951.32 40.00
5 9077.42 5446.45 40.00
69985.16 5991.09 40.00
7 10983.67 6590.20 40.00
8 12082.04 7249.22 40.00
9 13290.25 7974.15 40.00
10 14619.27 8771.56 40.00
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Gross Profit Ratio
10%
10%
10%
10%
10%10%
10%
10%
10%
10%
1
2
3
4
5
6
7
8
9
10
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Calculation of Net Profit Ratio
Years Sales NPBIT N.P. Ratio
1 6200.00 1400.00 22.58
2 6820.00 1684.00 24.69
3 7502.00 2006.48 26.74
4 8252.20 2372.00 28.74
5 9077.42 2785.60 30.68
6 9985.16 3252.92 32.57
7 10983.67 3780.17 34.41
8 12082.04 4374.29 36.20
913290.25
5042.96
37.94
10 14619.27 5794.67 39.63
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22.58
24.69
26.74
28.74
30.68
32.57
34.4136.2
37.9439.63
1 2 3 4 5 6 7 8 9 10
Net Profit Ratio
1
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Turn Over Ratio
1. Total Asset Turnover Ratio = Sales
Total Assets.
2. Fixed Asset Turnover Ratio =Sales
Fixed Assets.
Calculation of Total Assets Turn Over Ratio
Years Total Assets Sales Times
l 5892.30 6200.00 1.05
2 5811.39 6820.00 1.17
3 5813.50 7502.00 1.29
4 5896.82 8252.20 1.39
5 6082.65 9077.42 1.49
6 6395.43 9985.16 1.56
7 6862.99 10983.67 1.60
8 7516.88 12082.04 1.61
9 8392.70 13290.25 1.58
10 9530.50 14619.27 1.53
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1.05
1.17
1.29
1.39
1.491.56
1.6 1.61 1.581.53
1 2 3 4 5 6 7 8 9 10
Toatal Assets Turnover Ration
1
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Calculation of Fixed Assets Turn Over Ratio
Years Fixed Assets Sales Times
l 4250.00 6200.00 1.46
2 3744.98 6820.00 1.82
3 3333.93 7502.00 2.25
4 2970.17 8252.20 2.77
5 2648.23 9077.42 3.42
6 2363.26 9985.16 4.22
7 2111.00 10983.67 5.20
8 1887.67 12082.04 6.40
9 1689.94 13290.25 7.86
10 1514.85 14619.27 9.65
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0
1
2
3
4
5
6
7
8
9
10
1 2 3 4 5 6 7 8 9 10
AxisTitle
1 2 3 4 5 6 7 8 9 10
1 1.46 1.82 2.25 2.77 3.42 4.22 5.2 6.4 7.86 9.65
Series2
Series3
Fixed Assets Turnover Ratio
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OWNER S PROFILE
NAME of the Chairman Mr. Vijay Kurnar
Date 11th
October 1958
Address Shree apartment friend colony
near M.G. Road. Pune. Maharashtra
About the Chairman
Mr. Vijay Kumar is a resident of Madhubani (Bihar) and completed his
schooling from there and then his family shifted to Pune and he
completed his graduation and post graduation from Pune University.
Holds a Bachelor Degree in Agriculture and A Master Degree in Agricultural
meterology from the college Merits scholarship and the university topper
award for the subject of Agricultural. Extension during his graduation. Hecompleted his post graduate diploma in cooperative business management
currently he is working as a Chairman of RANJAN FLOUR PVT.LTD.
Educational Qualification : Bachelor Degree in Agriculture.
Master Degree in Agricultural meterology.
Post graduate diploma in cooperative businessmanagement
Experience Details : He had worked as a trainer in national.
Farm Corporation and currently number of the food and industry
management of Maharashtra government.
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MANAGERS PROFILE
Name of the Manager : Mr. Arvind Kumar
Date : 12th June 1978.
Address : Shanti Nivas 103, opposite
Bund Garden Pune,
Maharashtra.
About The Director
: He is a resident of Madhubani (Bihar) and
completed his schooling from there and then his family shifted to Pune andhe completed his graduation and post graduation from Pune University in the
management fields. He had worked with and now he is working with
RANJAN FLOUR PVT.LTD.
Educational Qualification : B.B.A., M.B.A., AND C.A (ICAI)
Experience details : 10 year of working with Britannia.
: 2 year of working with John deere.
: 1990-awarded the best employee
Award by Britannia.