55_cma Format for Bank

8/8/2019 55_cma Format for Bank

1/13

Bank T&ME - 1

ASSESSMENT OF WORKING CAPITAL REQUIREMENTS

FORM - I

PARTICULARS OF EXISTING / PROPOSED LIMITS FROM THE BANKING SYSTEM

(Limits from all Banks and Financial Institutions as on date of application)

Name: ( Rs.in lakhs )

Sl. No.AME OF BANK / FINANCIA NATURE OF FACILITY EXISTING XTENT TO WHICH LIMIT BAL.O/S LIMITS NOW

INSTITUTION LIMITS WERE UTILISED DURING AS ON REQUESTED

LAST 12 MONTHS 1st March, 2008 2008-09

MAX. MIN.

A. WORKING CAPITAL LIMITS:

FUND BASED

CASH CREDIT - - - - -

NON FUND BASED Letter of Credit - - - - -

B. TERM LOANS/DPGS Term Loan - - - - -

EXCLUDING WORKING

CAPITAL TERM LOANS

TOTAL - - - - -

CREDIT MONITORING ARRANGEMENT WORKING CAPITAL ASSESSMENT

INFORMATION ON ASSOCIATE COMPANIES(COMPANIES /FIRMS/CONCERNS IN WHICH DIRECTORS/PARTNERS/PROPRIETOR AND/OR THEIR FAMILY MEMBER OF THE

BORROWER COMPANY IS/ARE ASSOCIATED WITH THE OTHER UNIT AS DIRECTORS/PARTNERS/PROPRIETOR OR

HAS/HAVE FURNISHED GUARANTEES).

Name: ( Rs.in Lakhs )

Sl. No. Name of the Associate Annual makeup of A/c Limits from all Banks and fincial institutions

Company & Activity (Date of B/S)

Name of Working Capital Term loan Overdues,if

Bank/finan Funds Non-fund & any

cial Instn. Based Based DPG

1

2

3

- - - -


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FORM II : OPERATING STATEMENT

Name: (Amount Rs. In Lakhs)

Page 1

As per Profit & Loss account actuals/

estimates for the year ended/ending

LAST 2 YEARS

ACTUALS AS PER ESTIMATES ESTIMATES ESTIMATES ESTIMATES

AUDITED ACCOUNTS

31.03.2007 31.03.2008 31.03.2009 31.03.2010 31.03.2011 31.03.2012(1) (2) (3) (4) (5) (6)

Raw Material Consumption quantity 0.000 0.000 0.000 0.000 0.000 0.000

Sales quantity \

0.000 0.000 0.000 0.000 0.000 0.000

Rejects and Scraps 0.000 0.000 0.000 0.000 0.000 0.000

Total 0.000 0.000 0.000 0.000 0.000 0.000

1) GROSS INCOME:

I) Sales (net of returns)

a) Domestic Sales - - - - - -

b) Export Sales - - - - - -

c) Sub-total (a+b) - - - - - -

Less: Excise Duty - - - - - -

Net Sales - - - - - -

d) Percentage rise (+) or fall (-) in sales turnover as

compared to previous year 0.00% 0.00% - #DIV/0! #DIV/0! #DIV/0!

II) Other Income

a) Steel Processing Labour Charges - - - - - -

b) Miscellaneous Income - - - - - -

III) Total (I) + (II) - - - - - -

2. COST OF SALES:

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

I) Raw Materials( Including Stores and other items used

in the process of Manufacture )

- Imported - - - - - -

- Indegeneous - - - - - -

II) Power and Fuel - - - - - -III) Direct Labour ( Wages,Salaries, Bonus, Staff Welfare - - - - - -

IV) Other Manufacturing expenses - - - - - -

V) Depreciation - - - - - -

Sub-total (I to V) - - - - - -

Contd...2


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Page 2



LAST 2 YEARS

ACTUALS AS PER ESTIMATES ESTIMATES ESTIMATES ESTIMAT

AUDITED ACCOUNTS

31.03.2007 31.03.2008 31.03.2009 31.03.2010 31.03.2011 31.03.20(1) (2) (3) (4) (5) (6)

IV) Add : Opening stock of W.I.P. - - - - -

V) Sub-total (III+IV) - - - - -

VI) Less : Closing Stock W.I.P. - - - - -

VII) Sub-total (V-VI)( Total Cost of Production ) - - - - -

VIII) Add : Opening stock of Finished Goods - - - - -

IX) Sub-total (VII+VIII) - - - - -

X) Less : Closing Stock of Finished Goods - - - - -

XI) Sub-total ( Total cost of Sales ) - - - - -

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

3. SELLING, GENERAL & ADMINISTRATIVE EXPENSES - - - - -

4. OPERATING PROFIT BEFORE INTEREST[1(III) - 2(XI) - 3] - - - - -

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

5. INTEREST AND FINANCIAL CHARGES

- Interest on Working Capital - - - - -

- Interest on Term Loan - - - - -

7. OPERATING PROFIT AFTER INTEREST [4 - 5 - 6] - - - - -

8. I) Add: Other non-operating Income

(a) Interest received - - - - -

(b) Prior period income - - - - -

(c) Others - - - - -

(d) sub-total (INCOME) - - - - -

II) Less: Other non-operating expenses

(a) Others - - - - -

(b) - - - - -

(c) Sub-total (EXPENSES) - - - - - -

III) Net of other non-operating Income / Expenses [Net of 8 (I) & 8 - - - - -

9. PROFIT BEFORE TAX / (LOSS) [7 + 8(III)] - - - - -

10. PROVISION FOR TAXES - - - - -

11. NET PROFIT/LOSS (9-10) - - - - -

PBT to Sales % 0.00% 0.00% #DIV/0! #DIV/0! #DIV/0! #DIV

Contd...3


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Page 3



LAST 2 YEARS


AUDITED ACCOUNTS

31.03.2007 31.03.2008 31.03.2009 31.03.2010 31.03.2011 31.03.20(1) (2) (3) (4) (5) (6)

12. (a) Equity Dividend Paid - - - - - -

(b) Dividend Rate

13. RETAINED PROFIT (11-12) - - - - -

14. RETAINED PROFIT/NET PROFIT (%AGE) [13 / 11] - - 100.00 100.00 100.00 100

15. ADDITIONAL DATA:

Break-up of Sales Turnover [ Inclusive of other income]

(a) Domestic Sales:

1st Quarter - - - - - -

2nd Quarter - - - - - -3rd Quarter - - - - - -

4th Quarter - - - - - -

Sub-total - - - - - -

(b) Export Sales: - - - - - -

Sub-total - - - - - -

16. TOTAL (a+b) [To agree with 1 (III)] - - - - - -

Contd...4


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FORM - III : ANALYSIS OF BALANCE SHEET


Page 4



LAST 2 YEARS


AUDITED ACCOUNTS

31.03.2007 31.03.2008 31.03.2009 31.03.2010 31.03.2011 31.03.20(1) (2) (3) (4) (5) (6)

CURRENT LIABILITIES

1. Short term borrowings from Banks

(incldg. bills purchased, discounted & excess borrowings

placed on repayment basis)

(a) from applicant Bank - - - - -

(b) from other banks - - - - - -

(c) (of which BP & BD) ( - ) ( - ) ( - ) ( - ) ( - ) ( - )

Sub-total (A) - - - - -

2. Short term borrowings from others - - - - - -

3. Sundry Creditors (Trade) - - - - -

4. Advance payments from customers / deposits from dealers - - - - -

5. Provision for taxation - - - - -

6. Dividend payable - - - - - -7. Other statutory liabilities [due with in one year] - - - - -

8. Deposits/Debentures/Instalments under term loans / DPGs etc.] - - - - - -

( due with in one year )

9. Other current liabilities and Provisions - - - - -

(due with in one year)

(Specify major Items)

Sub-total (B) - - - - -

10. TOTAL CURRENT LIABILITIES [ Total of 1 to 9] - - - - -

Contd...5


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Page 5



LAST 2 YEARS


AUDITED ACCOUNTS

31.03.2007 31.03.2008 31.03.2009 31.03.2010 31.03.2011 31.03.20(1) (2) (3) (4) (5) (6)

TERM LIABILITIES

11. Debentures ( not maturing with in one year ) - - - - - -

12. Preference Shares

( redeemable after one year ) - - - - - -

13. Term loans (excluding instalments payable within one year)

Term Loan I - - - - -

Term Loan II - - - - -

Term Loan III - - - - -

14. Deferred Payment Credits

( excluding instalments due with in one year ) - - - - - -

15. Term deposits ( repayable after one year ) - - - - - -

16. Other term liabilities - Unsecured Loans - - - - - -

17. TOTAL TERM LIABILITIES - - - - - (Total of 11 to 16)

18. TOTAL OUTSIDE LIABILITIES ( 10 + 17 ) - - - - -

NET WORTH

19. Share capital - - - - -

20. General reserve - - - - - -

21. Revaluation Reserve - - - - - -

22. Other reserves ( excluding provisions ) - Share Application Mone - - - - - -

23. Surplus (+) or deficit (-) in

Profit & Loss account - - - - -

24. NET WORTH - - - - -

25. TOTAL LIABILITIES ( 18 + 24 ) - - - - -

Contd...6


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Page 6



LAST 2 YEARS


AUDITED ACCOUNTS

31.03.2007 31.03.2008 31.03.2009 31.03.2010 31.03.2011 31.03.201

(1) (2) (3) (4) (5) (6)

CURRENT ASSETS

26. Cash and bank balances - - - - -

27. Investments (other than long term Investments)

(I) Government & other trustee securities - - - - -

(II) Fixed deposits with Banks - - - - -

28. (I) Receivables other than deferred & exports

(Including bills purchased & discounted by bankers) - - - - -

(II) Export receivables (Including bills - - - - - -

purchased/discounted by bankers

29. Instalments under deferred receivables - - - - - -

(due within one year)

30. Raw Materials( including stores & other items)

- Imported - - - - -

- Indigeneous - - - - -

Stocks in Process - - - - -

Finished goods - - - - -

Goods in Transit - - - - -

Other consumable spares - - - - -

31. Advances to suppliers of merchandise - - - - - -

32. Advance payment of taxes - - - - -

33. Other current assets - - - - -

(specify major Items)

34. TOTAL CURRENT ASSETS

(Total of 26 to 33) - - - - -

Contd...7


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Page 7



LAST 2 YEARS


AUDITED ACCOUNTS

31.03.2007 31.03.2008 31.03.2009 31.03.2010 31.03.2011 31.03.20(1) (2) (3) (4) (5) (6)

FIXED ASSETS

35. Gross Block (land, building, machinery, furniture, fittings & vehicl - - - - -

36. Depreciation to date - - - - -

37. NET BLOCK (35-36) - - - - -

OTHER NON-CURRENT ASSETS

38. Investments/book debt/advances /

deposits which are not Current Assets

(I)(a) Investments in subsidiary companies / affiliates - - - - - -

(b) Others - - - - - -

(II) Advances to suppliers of capital goods and contractors - - - - - -

(III) Deferred receivables

(maturity exceeding one year) - - - - - -(IV) Security deposits/tender deposits - - - - -

(V) Others - - - - - -

39. Obsolete Stocks - - - - - -

40. Other non-current assets - - - - - -

(Incldg. dues from directors)

41. TOTAL OTHER NON-CURRENT ASSETS - - - - - -

(Total of 38 to 40)

42. Intangible assets (patents,goodwill,preliminary

expenses,bad/doubtful debts not provided for etc) - - - - -

43. TOTAL ASSETS ( Total of 34,37,41 & 42 ) - - - - -

44. TANGIBLE NET WORTH (24-42) - - - - -

45. NET WORKING CAPITAL [(17+24)-(37+41+42)] - - - - -

To tally with (34-10) - - - - -

46. CURRENT RATIO (34/10) - - #DIV/0! #DIV/0! #DIV/0! #DIV

47. TOTAL OUTSIDE LIABILITIES/TANGIBLE NET WORTH (18/44) - - #DIV/0! #DIV/0! #DIV/0! #DIV- - - - -

ADDITIONAL INFORMATION - - - - -

48.(A) Arrears of depreciation - - - - - -

(B) Contingent Liabilities : - - - - - -

(a) Arrears of cumulative dividends - - - - - -

(b) Gratuity liability not provided for - - - - - -

(c) Disputed excise/customs tax liabilities - - - - - -

(d) Bills accepted/guarnatees extended to accommodate - - - - - -

associate / sister concerns or other third parties

Contd...8


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FORM - IV : COMPARATIVE STATEMENT OF CURRENT ASSETS AND CURRENT LIABILITIES


Page 8



LAST 2 YEARS


AUDITED ACCOUNTS

31.03.2007 31.03.2008 31.03.2009 31.03.2010 31.03.2011 31.03.20A. CURRENT ASSETS

1. Raw Materials ( Including Stores and Spares)

Imported - - - - -

( Months' consumption )

Indigeneous [Including Goods in Transit] - - - - -

( Months' consumption) - - #DIV/0! #DIV/0! #DIV/0! #DIV

2. Stocks in Process - - - - -

( Months' cost of Production ) - - #DIV/0! #DIV/0! #DIV/0! #DIV

3. Finished Goods - - - - -

( Months' cost of sales ) - - #DIV/0! #DIV/0! #DIV/0! #DIV

4. Other consumable spares - - - - -

( Months' consumption) - - #DIV/0! #DIV/0! #DIV/0! #DIV

5. Receivables other than export & deferred receivables

(incldg.bills purchased & discounted by bankers) - - - - -

(Months' domestic sales) - - #DIV/0! #DIV/0! #DIV/0! #DIV6. Export receivables (incl.bills purch.& disc.) - - - - - -

7. Advances to suppliers of merchandise - - - - - -

8. Other current assets incl.cash & bank balances & deferred

receivables due within one year (specify major items) - - - - -

9. TOTAL CURRENT ASSETS (To agree with item 34 in Form - III) - - #DIV/0! #DIV/0! #DIV/0! #DIV

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

B. CURRENT LIABILITIES

(Other than bank borrowings for working capital)

10. Sundry Creditors ( Trade ) - - - - -

(Months' purchases) - - #DIV/0! #DIV/0! #DIV/0! #DIV

11. Advances from customers/deposits from dealers - - - - - -

12. Statutory liabilities [Including Provision for Taxation] - - - - - -

13. Other current liabilities (specify major items)

Short Term borrowings, unsecured loans, dividend payable,instalments of TL, DPG,public deposits, debentures etc.) - - - - -

14. TOTAL ( To agree with sub total B Form - III ) - - #DIV/0! #DIV/0! #DIV/0! #DIV

Contd...9

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


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FORM - V : COMPUTATION OF MAXIMUM PERMISSIBLE BANK FINANCE FOR WORKING CAPITAL [MPBF]


Page 9

As per Balance Sheet as at

31.03.2008 31.03.2009 31.03.2010 31.03.2011 31.03.2012

LAST CURRENT FOLLOWINGFOLLOWING FOLLOWING

YEAR YEAR YEAR YEAR YEAR

ACTUALS ESTIMATES ESTIMATES ESTIMATES ESTIMATES

(1) (2) (3) (4) (5)METHOD OF LENDING: I

1. TOTAL CURRENT ASSETS (9 in Form -IV) - #DIV/0! #DIV/0! #DIV/0! #DIV/0

2. Other Current Liabilities (Other than bank borrowing) - #DIV/0! #DIV/0! #DIV/0! #DIV/0

(14 of Form - IV)

3. Working capital gap (WCG) (1-2) - #DIV/0! #DIV/0! #DIV/0! #DIV/0

4. Minimum Stipulated Net Working Capital - #DIV/0! #DIV/0! #DIV/0! #DIV/0

i.e.25% of WCG

5. Actual/projected net working capital - - - - -

(45 in Form III)

6. Item 3 minus Item 4 - #DIV/0! #DIV/0! #DIV/0! #DIV/0

7. Item 3 minus Item 5 - #DIV/0! #DIV/0! #DIV/0! #DIV/0

8. Maximum permissible bank finance [MPBF] - #DIV/0! #DIV/0! #DIV/0! #DIV/0

(Item 6 or 7 whichever is lower)

9. Excess borrowings representing shortfall in

NWC (4-5) - #DIV/0! #DIV/0! #DIV/0! #DIV/0!

Contd10


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FORM VI : FUNDS FLOW STATEMENT


Page 10

As per Balance Sheet as at

31.03.2008 31.03.2009 31.03.2010 31.03.2011 31.03.2012

LAST CURRENT FOLLOWING FOLLOWING FOLLOWING

YEAR YEAR YEAR YEAR YEAR

ACTUALS ESTIMATES ESTIMATES ESTIMATES ESTIMATES

(1) (2) (3) (4) (5)1. SOURCES

a) Net Profit (after tax) - - - - -

b) Depreciation - - - - -

c) Miscellaneous Expenditure Written off - - - - -

d) Increase in capital - - - - -

e) Increase in Term Liabilities (Including public deposits) - - - - -

f) Decrease In:

I) Fixed Assets - - - - -

II) Other non-current assets - - - - -

g) Others - - - - -

g) TOTAL - - - - -

2. USES

a) Net loss - - - - -

b) Decrease in Term Liabilities (Including public deposits) - - - - -

c) Increase In :I) Fixed Assets - - - - -

II) Other non-current assets - - - - -

d) Dividend payments - - - - -

e) Others - - - - -

f) TOTAL - - - - -

3. Long Term Surplus (+) / Deficit (-) [1 - 2] - - - - -

4. Increase/decrease in current assets (as per details given below) - - - - -

5. Increase/decrease in current liabilities other than bank borrowing - - - - -

6. Increase/decrease in Working Capital Gap - - - - -

7. Net surplus (+)/deficit (-) [Difference of 3 and 6] - - - - -

8. Increase/decrease in Bank borrowings - - - - -

INCREASE/DECREASE IN NET SALES - - - - -

Break-up of (4)

i) Increase/Decrease in stock-in-trade - - - - -

ii) Increase/Decrease in Receivablesa) Domestic - - - - -

b) Export - - - - -

iii) Increase/Decrease in other current assets - - - - -

NOTE : Increase/decrease under items 4 to 8 as also under

break-up of (4) should be indicated by (+) / (-) - - - - -


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RATIO ANALYSIS

#REF!

Page 11



LAST 2 YEARS

ACTUALS AS PER ESTIMATES ESTIMATES ESTIMATES ESTIMATES

AUDITED ACCOUNTS

Usual 31.03.2007 31.03.2008 31.03.2009 31.03.2010 31.03.2011 31.03.2012Norm (1) (2) (3) (4) (5) (6)

EFFICIENCY RATIOS:

Net Sales / Total Tangible Assets (Times) >1.50 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

PBT / TTA (%) >5.00% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

Operating Cost / Net Sales (%) 20.00% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

Pre-Tax Profitability (%) >15.00% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

PBT / TTA (%) >10.00% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

STRUCTURAL RATIOS:

Retained Profit (%) >20.00% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

Raw Material Content (%)


13/13

CALCULATION OF TERM LOAN INTEREST AND REPAYMENT SCHEDULERate of Interest on Loan : 18.5

YEAR QUARTER OPENING INTEREST TOTAL LOAN REPAYMENT CLOSING ANNUAL

ENDED BALANCE INTEREST PRINCIPAL BALANCE INTEREST

Rs. Rs. Rs. Rs. Rs. Rs. Rs.

0 1999 December 20 0 20 0 0 20 0

1 2000 March 20 92.5 112.5 92.5 0 20

June 20 92.5 112.5 92.5 0 20

September 20 92.5 112.5 92.5 0 20

December 20 92.5 112.5 92.5 1.000 59.000 370

2 2001 March 59 272.88 331.88 272.88 3.000 56

June 56 259 315 259 3.000 53

September 53 245.13 298.13 245.13 3.000 50

December 50 231.25 281.25 231.25 3.000 47 1008.25

3 2002 March 47 217.38 264.38 217.38 3.000 44

June 44 203.5 247.5 203.5 3.000 41

September 41 189.63 230.63 189.63 3.000 38

December 38 175.75 213.75 175.75 3.000 35 786.25

4 2003 March 35 161.88 196.88 161.88 3.000 32

June 32 148 180 148 3.000 29

September 29 134.13 163.13 134.13 3.000 26

December 26 120.25 146.25 120.25 3.000 23 564.25

5 2004 March 23 106.38 129.38 106.38 3.000 20

June 20 92.5 112.5 92.5 3.000 17September 17 78.63 95.63 78.63 3.000 14

December 14 64.75 78.75 64.75 3.000 11 342.25

6 2005 March 11 50.88 61.88 50.88 3.000 8

June 8 37 45 37 3.000 5

September 5 23.13 28.13 23.13 3.000 2

December 2 9.25 11.25 9.25 0.000 2 120.25

TOTAL 3191.25 58 3191.25

CALCULATION OF WORKING CAPITAL LOAN INTERESTRate of Interest on Loan : 0.13

YEAR MONTH OPENING INTEREST

BALANCE1999 December 38.92 1.86 100

2000 December 135 16.88 100

2001 December 135 16.88 100

2002 December 78 9.75 100

2003 December 78 9.75 100

2004 December 78 9.75 100

2005 December 78 9.75 100

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55_cma Format for Bank