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7/24/2019 nivi - musuri (1)
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Particulars of Guarantor/Co-oblligant NF 589/ 1L(50) /2013-08/ Bhagyam
FROM TO
CANARA BANKMUSURI
1 5 NO
2 6 NO
3 7 NO
48 250000.00
9 3100000.00
Residential 10 0.00
NO:19/4,PARIVALLAL NAGAR,MUSURI-621211 28/13,BYEPASS ROAD -621211
SUB: BANKING FACILITIES EXTENDED / TO BE EXTENDED BY YOU TO
Full Name:
Liabililties, if any
NO:19/4,PARIVALLAL NAGAR,MUSURI-621211
Age (In years)
Address:
R.VIJAYAKUMAR
S/O RAMAKRISHNANPRASAD
41
Father's Name/Husband's Name:
NO:19/4,PARIVALLAL NAGAR,MUSURI-621211
R.VIJAYAKUMAR
S/O RAMAKRISHNANPRASAD
Office/Business
I offer to stand as a gurantor/co-ovligant for the banking facilities extended /to be extended by you to.....and furnish the particulars belowWhether related to the borrower/other co-obligant/guarantor /
If so, furnish the details.whether related to any of the Empoloyees of our
Bank.(if yes, nature of
relationship)
SB/CA/ No & Opened on
Net Annual Income : Rs
Net Worth : Rs
SL
NO:Description of property
Approx.Market Value
(Rs.)
Encumbrance, if any
(Furnish particulars)SI.No Description of property Extent Location & Boundaries
Approx . Market
Value (Rs.)
Details of
documents
conferring Rights
Encumbrance, if any
(furnish particulars)
Cash and Bank Bal 0.00 1 0.00 NO
Govt Secu/Shares 0.00
Life Insu/Jewel 0.00
Inv in Busi/Inv in Asso 0.00
0.00 0.00
Particulars of Assetrs Owned by Co-oblligant /Guarantor
Movables Immovables
I declare that I am the true owner of the assets, and I am in possession of documents conferring rights on me. I further declare that the particulars furnished by me herein above are true
to the best of my knowledge and belief.
Date: Signature /LTI of Guarantor/Co-obligant
7/24/2019 nivi - musuri (1)
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Particulars of Assetrs Standing in the Name of the Applicant (Borrower)
SL
NO:Description of property
Approx.Market
Value (Rs.)
Encumbrance, if
any (Furnish
particulars)
SI.No Description of property ExtentLocation &
Boundaries
Approx .
Market Value
(Rs.)
Details of
documents
conferring
Rights
Encumbrance, if
any (furnish
particulars)
Cash and Bank Bal 25000.00 1800000.00
Govt Secu/Shares 0.00
Life Insu/Jewel 1075000.00
Inv in Busi/Inv in Asso 200000.00
1300000.00 1800000.00
Place :
Date: Signature /LTI of Applicant (Borrower)
Movables Immovables
I declare that I am the true owner of the assets, and I am in possession of documents conferring rights on me. I further declare that the particulars furnished by me herein above are true
to the best of my knowledge and belief.
PLOT NO:17,AT M
PUDUPATTI
EAST,MUSURI/ 2400SQ
FT
Enclosure to Credit Report No
1 I / Name of the firm in which the gurantor/co-obligant is interested
2 Whether enjoying any credit limit with us (if yes, furnish full particulars ):Yes/No
3 Confidential Reports from Banks:
4 General Remarks:
Place :
Date ;Manager /Senior Manager
(b) The details furnished herein are verified/compared with the information furnished earlier (in NF 589) and we are satisfied about the veracity of the same (applilcable in case of
existing parties).
(a) We certify that we have verified information furnished in the format with reference to the documents conferring rights/title to the borrower/Guarantor/co-obligant, and theexistence of the propertyh, its market value, marketab ility.
7/24/2019 nivi - musuri (1)
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FROM
NIVI NATURALES To
The Manager
CANARA BANKMUSURI
Dear sir
I/We request you yo grant me/us the banking facility indivated below.The necessary perticulars given below
1
2
3
APPLICATION FORM FOR THE LOANS TO MICRO & SMALL ENTERPRISES(MSEs)
NAME OF THE ENTERPERENEUR NIVI NATURALES
REGD. OFFICE ADDRESS 28/13,BYEPASS ROAD -621211
ADDERSS OF THE FACTORY/SHOP 28/13,BYEPASS ROAD -621211
28/13,BYEPASS ROAD -621211
4
6
7
8
9
10
11
AGE
ACADMIC
QUALIFICAT
ION
EXPERIENCE IN
THE LINE OF
ACTIVITY
41 BBA 2
- 0 0
R.VIJAYAKUMARNO:19/4,PARIVALLAL NAGAR,MUSURI-
6212119894760636
0 0 0
SSI REGISTRATION NO/ENTREPREUR'S
MEMORANDUM REF NO.-NA-
NAME OF THE PROPERITOR/PARTNER/DIRECTORS OF THE COMPANY/KEY FUNCTIONARY &THEIR ADDRESS
NAME RESIDENTAL ADDRESS TELEPHONE NO
PAN CARD NO ADCPV7926P
TIN NO 322246299188
DATE OF ESTABLISHMENT/ IN
CORPORATION2015
0
MOBILE NO 9894760636
EMAIL ADDRESS [email protected]
CONSTITUTION PROPRIETORSHIP
WHETHER BELONGS TO
SC/ST/OBC/MINORITY COMMUNITYOBC
5 TELEPHONE NO (OFFICE) 9894760636
(RESIDENCE)0
FAX
7/24/2019 nivi - musuri (1)
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0 0 0
0 0 0
0 0 0
0 0 0
13
PRESENT
BANKER
-
0 0
NAME OF THE ASSOCIATE CONCERNS AND NATURE OF ASSOCIATION NIL
NAME OF THE ASSOCIATE
CONCERNSADDRESS OF THE ASSOCIATE CONCERN NATURE OF ASSOCIATION
EXTENT OF INTEREST AS A
PROPRIETOR/PARTNER/DIRECT
OR OR JEST INVESTOR IN THE
ASSOCIATE CONCERN
NIL - - -
12 ACTIVITYEXISTING HERBAL PRODUCT RETAILER
PROPOSED HERBAL PRODUCT RETAILER
0 0 0
0 0 0
0 0 0
0
-
-
-
-
-
14 PRESENT BANKER/ BANKING WITH BANK
BANK
15 WHETHER AVILED ANY CREDIT / OTHER FACILITY 0 NO
16 IF BANKING WITH US
NIL - - -
NIL - - -
- - -
NIL - - -
NIL
A. CUMTOMER NO./ ACCOUNT NO. 97063529
B. RELATION OF THE PROP/PARTNER/DIRECTORWITH THE OFFIVIALS OF THE BANK /
DIRECTOR OF THE BANK5234201000068
NIL - - -
CANARA BANK
7/24/2019 nivi - musuri (1)
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17
LIMITRATE OF
INTEREST
0 -
0 -
0 -
-
-
-
-
-
-
-
-
OTHER SHORT TERM
LOANS
TERM LOAN/DPG- - -
SUPPLY BILLS
FDB/FBE/PSCFC
SDB
BE
PACKING CREDIT
BILLFINANCE- CDE
CASH CREDIT- - -
BOOK DEBIT FINENCE- - -
CREDIT FACILITY (EXISTING)
TYPE OF FACILITYOUTSTANDING AS
ONNOV'13.)SECURITY OFFERED REPAYEMENT TERMS
OVER DRAFT
- - -
-
0 -
0 -
18 CREDIT FACILITY (REQUESTED / REQUIRED)( IN LAKHS)
LIMITRATE OF
INTEREST
0 -
3 -
0 -
-
-
-
-
-
-
SUPPLY BILLS-
FDB/FBE/PSCFC-
SDB-
BE-
PACKING CREDIT-
BILLFINANCE- CDE-
CASH CREDIT- YES -
BOOK DEBIT
FINENCE - - -
DETAILS OF CREDIT FACILITIES ENJOYED WITH OTHER BANKS TO BE FURNISHED AS ABOVE SEPARATELY IN THE FORM OF
AN ANNEXURE
TYPE OF FACILITYOUTSTANDING AS
ON.)SECURITY OFFERED REPATEMENT TERMS
OVER DRAFT- - -
LETTER OF CREDIT- - -
BANK GUARENTEE- - -
- - -
7/24/2019 nivi - musuri (1)
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-
0 -
0 -
0 -
PROMOTER'S
CONTRIBUTION
LOAN
REQUIRED
0 0
0 0
-
0 0 NIL 0
0 0 0 0
IN CASE OF TERM LOAN REQUIREMENTS THE DETAILS OF LAND BUILDING , MACHINERY/EQUIPMENTS TO BE GIVEN.
TYPE OF ASSET - LAND
PURPOSE FOR WHICH
REQUIRED
WHETHER ALLOTED /
PURCHASED
NAME OF THE
AUTHORITY WHO
ALLOTED THE
LAND/VENDOR
TOTAL COST OF
ACQUSITION(INCLUDING
STAMP DUTY &
REGISTRATION)
LETTER OF CREDIT - - -
BANK GUARENTEE- - -
OTHER SHORT
TERM LOANS -
TERM LOAN/DPG- - -
PROMOTER'S
CONTRIBUTION
LOAN
REQUIRED
0 0
0 0
PROMOTER'S
CONTRIBUTION
LOAN
REQUIRED
0 0
0 0
19 WHETHER WILLING TO OFFER COLLATERAL SECURITY : YES -
- NOIF NOR SEEKING COVER UNDER CREDIT GURANTEE FUND FOR MICRO
& SMALL ENTERPRISES(CGMSE)
0 0 NIL 0
0 0 0 0
TYPE OF ASSET - MACHINERY /EQUIPMENTS
NAME OF THE
MACHINERY /
EQUIPMENTS
NEED FOR THE
MACHINERY
/EQUIPMENTS
WHEATHER IMPORTED
/INDIGENOUS
TOTAL COST OF
MACHINERY
/EQUIPMENTS( INCASE OF
IMPORTED M/C THE
BREAK UP OF INSUR,
CUSTOM DUTY TO BE
GIVEN)
0 0 0 0
PURPOSE FOR WHICH
REQUIRED
WHETHER TO BE
PURCHASED/CONSTRUCT
ED
NAME OF THE VENDOR
/CONTRACTOR/ARCHIT
ECT
TOTAL COST OF
ACQUSITION
/CONSTRUCTION
0 0 NIL 0
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20 DETAIL OF COLLATERAL SECURITY OFFERED , IN ANY INCLIDING THE THIRD PARTY GURANTEE:
21
22 STATUS REGARDING STATUTORY OBLIGATIONS
CAPITAL (Net worth in
case of companies) 7.37 12.70 18.67 27.21
WETHER COMPLIED REMARKS(Any detailsin
NET PROFIT(After tax)5.03 4.66 5.73 7.61
DEPRECIATION0.11 0.09 0.08 0.06
GROSS SALES28.75 35.94 44.92 56.15
NET SALES28.75 35.94 44.92 56.15
PAST PERFORMANCE/FUTURE ESTIMATES (Actual performance for previous years, estimates for current year and
projection for next to be furnished for working capital facilities. However, for term loans facilities, projections to be
furnished till the proposed period up to the repayment of loan.)
AMOUNT IN Rs.lacsCURRENT YEAR
(Estimates)
NEXT YEAR (
Projections-I)
NEXT YEAR (
Projections-II)
NEXT YEAR ( Projections-
III)
PLOT NO:17,AT M PUDUPATTI EAST,MUSURI/ 2400SQ FT
1
2
3
4
5
6
7
23 SPACE FOR PHOTO/S
R.VIJAYAKUMAR 0 0 0 0 0
SIGNATURES OF THE PROPRIETOR/PARTNER/DIRECTOR WHOSE PHOTO IS AFFIXED ABOVE
Any other statutory dues remaining
outstandingNIL NIL
Latest Income Tax Return filed NO -
Clearance from Pollution Control
AuthorityNA NA
Drug License NA NA
Latest Sales Tax Return filed YES 322246299188
Registration under Shops & Establishment
ActNA -NA-
Registration under SSI (Provisional/Final)
of filing of Entrepreneur's Memorandum YES -NA-
es o no
applicable ,then weite-NA)
connec on w re a ve
obligation to be given)
7/24/2019 nivi - musuri (1)
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Only one photo of the individual/proprietor/each partner/each working director is required to be affixed. Each
photo will be certified/attested by the authorized official of the Branch duly affixing his name and signature on the
photograph with Branch stamp. The name of Branch Official to be put his/her name below his signature.
I/We certify that all information furnished by me/us is true, that -
I/We have no borrowing arrangements for the unit except as indicated in the application;
There are no overdues/statutory dues against me/us/promoters except as indicated in the application; No legal
action has been /is being taken against me/us/promoters;
I/We shall furnish all other information that may be required by you in connection with my/our application which may
also be exchanged by you with any agency you may deem fit; and,
You, your representatives, or the Reserve Bank of India or any other Agency as authorized by you, may, at any time,
inspect/verify my/our assets, books of accounts, etc. in our factory/business premises as given above.
Place: Trichy Signature/s R.VIJAYAKUMAR 0
Date: / /2015
7/24/2019 nivi - musuri (1)
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Name of the Party
Branch
Proj Proj Proj Proj. Proj. Proj. Proj. Proj.
2016 2017 2018 2019 2020 2021 2022 2023
Sales / Income 28.75 35.94 44.92 56.15 70.19 87.74 109.67 137.09
Raw Material Consumption 24.44 30.55 38.18 47.73 59.66 74.58 93.22 116.53
Other Manufacturing Expenses 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Stores, Spares Consumption 0.15 0.19 0.23 0.29 0.37 0.46 0.57 0.72
Salary, Wages 0.75 0.94 1.17 1.46 1.83 2.29 2.86 3.58
Depreciation 0.11 0.09 0.08 0.06 0.05 0.05 0.04 0.03
Sub - Total [ 1 ] 25.44 31.76 39.67 49.55 61.91 77.37 96.69 120.85
ADD :: Opening R.M. + W.I.P. 0.00 4.33 6.89 9.85 13.85 18.08 23.56 30.65
LESS :: Closing R.M. +W.I.P 4.33 6.89 9.85 13.85 18.08 23.56 30.65 39.44
Sub - Total [ 2 ] 21.11 29.20 36.71 45.55 57.68 71.89 89.60 112.06
ADD :: Opening F. G.
LESS :: Closing F. G.
PROFIT & LOSS ANALYSIS
NIVI NATURALES
CANARA BANKMUSURI
[Rs in Lacs]
Sub - Total [ 3 ] 21.11 29.20 36.71 45.55 57.68 71.89 89.60 112.06
Gross Profit 7.64 6.74 8.21 10.60 12.51 15.85 20.07 25.03
LESS :: Interest 0.11 0.45 0.45 0.45 0.45 0.45 0.45 0.45
LESS :: Admn., Selling Gen. Exp. 2.50 1.63 2.03 2.54 3.17 3.97 4.96 6.20
LESS :: Other Expenses [Taxes] 1.60 1.51 1.86 2.46 2.88 3.70 4.74 5.94
Sub - Total [ 4 ] 5.03 4.66 5.73 7.61 8.88 11.43 14.66 18.38
ADD :: Other Income
NPBT 5.03 4.66 5.73 7.61 8.88 11.43 14.66 18.38
Tax
Net Profit After Tax 5.03 4.66 5.73 7.61 8.88 11.43 14.66 18.38
Net Worth 7.37 12.70 18.67 27.21 36.33 47.13 60.08 75.39
Net Working Capital
Current Ratio 2.34 3.39 4.26 5.01 5.77 6.30 6.76 7.17Debt Equity Ratio 0.69 0.40 0.30 0.23 0.19 0.17 0.16 0.15
TOL : Equity 0.69 0.40 0.30 0.23 0.19 0.17 0.16 0.15
Asset Coverage Ratio : Sales
Debtors : Sales 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00
Creditors : Purchases 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00
Gross Profit : Sales 26.57% 18.74% 18.28% 18.88% 17.82% 18.06% 18.30% 18.26%
Net Profit : Sales 17.49% 12.97% 12.75% 13.55% 12.66% 13.03% 13.37% 13.41%
PBDIT 5.03 4.66 5.73 7.61 8.88 11.43 14.66 18.38
7/24/2019 nivi - musuri (1)
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Name of the Party
Branch
Proj Proj Proj Proj. Proj. Proj. Proj. Proj.
2016 2017 2018 2019 2020 2021 2022 2023
Capital 7.37 12.70 18.67 27.21 36.33 47.13 60.08 75.39
Share Application Money
Reserves, P & L
Revaluation Reserve
Total Net Worth 7.37 12.70 18.67 27.21 36.33 47.13 60.08 75.39
Term Loan Bank /Institution 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Unsecured Loans 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other deferred Liabilities 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Term Liability 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Bank Borrowing 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00
Inst. Of TL due within 1 yr 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Deposits 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Trade Creditors 0.47 0.59 0.73 0.92 1.14 1.43 1.79 2.23
BALANCE SHEET ANALYSIS
NIVI NATURALES
CANARA BANKMUSURI
[Rs in Lacs]
Other Cur. Liab. - Def. Tax 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Taxes / Provisions 1.60 1.51 1.86 2.46 2.88 3.70 4.74 5.94
Total Current Liabilities 5.07 5.10 5.59 6.37 7.03 8.13 9.53 11.18
Total Liabilities 12.44 17.80 24.26 33.58 43.36 55.26 69.61 86.57
Net Fixed Assets 0.60 0.51 0.43 0.37 0.31 0.26 0.22 0.19
Investment in associates 0.00 0.00 0.00 1.25 2.50 3.75 5.00 6.25
Preliminary Expenses 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Non - Current 0.00 0.00 0.00 1.25 2.50 3.75 5.00 6.25
Intangible Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
P & L - Loss 0.00 0.00 0.00 0.00 0.00 0.00 1.00 2.00
Total 0.60 0.51 0.43 2.87 5.31 7.76 11.22 14.69
Raw materials 1.08 1.72 2.46 3.46 4.52 5.89 7.66 9.86
Work in processes 3.25 5.17 7.38 10.38 13.56 17.67 22.99 29.58
Finished Goods,Stores & Spares 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debtors 3.94 4.92 6.15 7.69 9.62 12.02 15.02 18.78
Cash, Bank 0.25 0.50 0.75 1.00 1.25 1.50 1.75 2.00
Loans, Advances,Deposits 1.72 3.47 5.22 6.97 8.72 10.47 12.22 13.97
O.C.A 1.60 1.51 1.86 4.96 7.88 7.50 10.00 12.50
Total Current Assets 11.84 17.30 23.83 34.47 45.55 55.05 69.64 86.69
Grand Total 12.43 17.80 24.26 37.33 50.86 62.81 80.87 101.38
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2016 2017 2018 2019 2020 2021 2022 2023
Sales Turnover 28.75 3 5.94 44.92 56.15 70.19 87.74 109.67 137.09
% increase in sales 25.00% 25.00% 25.00% 25.00% 25.00% 25.00% 25.00% 25.00%
25% of Sales 7.19 8.98 11.23 14.04 17.55 21.93 27.42 34.275 Marg n or NWC w c ever s
higher 6.77 12.20 18.24 25.59 33.52 43.12 54.85 68.95
MPBF 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00
2016 2017 2018 2019 2020 2021 2022 2023
Current Assets 11.84 17.30 23.83 34.47 45.55 55.05 69.64 86.69
Current Liabilities exc. BB 2.07 2.10 2.59 3.37 4.03 5.13 6.53 8.18
Working Capital Gap 11.84 17.30 23.83 31.97 40.55 51.25 64.38 80.13
Margin: 25 % of C.A. or NWC
whichever is higher 6.77 12.20 18.24 25.59 33.52 43.12 54.85 68.95
MPBF 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00
Turnover Method - Up to Rs.5 Cr for SSI & Rs.2 Cr for Non SSI
MPBF Method - Up to Rs.25 Cr
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ASSESSMENT OF WORKING CAPITAL REQUIREMENT
FORM II : OPERATING STATEMENT
--------------------------------------------------------
Sheet 1
LACS
Branch CANARA BANKMUSURI
As per profit and loss account actuals/
NAME OF THE UNIT estimates for the year ending 31st March
2016 2017 2018 2019 2020 2021 2022 2023
Proj Proj Proj Proj. Proj. Proj. Proj. Proj.
1 GROSS SALES IV V VI VII VI VII VI VII
i. Domestic sales (Regular sales) 28.75 35.94 44.92 56.15 70.19 87.74 109.67 137.09
Export Sales
Job work charges
Total 28.75 35.94 44.92 56.15 70.19 87.74 109.67 137.09
2 Less excise duty
Deduct other items
3 Net sales ( item 1 - item 2 ) 28.75 35.94 44.92 56.15 70.19 87.74 109.67 137.09
4 % age rise (+) or fall (-) in net 25.00 25.00 25.00 25.00 25.00 25.00 25.00 25.00
sales compared to previous
NIVI NATURALES
year (annualised)
5 Cost of Sales
i.) Raw materials (including 24.44 30.55 38.18 47.73 59.66 74.58 93.22 116.53
stores and other items used
in the process of manufacture)
(a) imported
(b) Indigenous 24.44 30.55 38.18 47.73 59.66 74.58 93.22 116.53
ii) Other spares 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(a) Imported
(b) Indigenous
iii) Power and fuel 0.15 0.19 0.23 0.29 0.37 0.46 0.57 0.72
iv) Direct labour 0.75 0.94 1.17 1.46 1.83 2.29 2.86 3.58
(Factory wages & salary)
v) Other mfg. Expenses 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
vi) Depreciation 0.11 0.09 0.08 0.06 0.05 0.05 0.04 0.03
vii) SUB TOTAL (I TO VI) 25.44 31.76 39.67 49.55 61.91 77.37 96.69 120.85
viii) ADD: Opening stocks-in-Process) 0.00 4.33 6.89 9.85 13.85 18.08 23.56 30.65
Sub-total 25.44 36.09 46.56 59.40 75.76 95.45 120.25 151.50
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Form II : Sheet 2 2016 2017 2018 2019 2020 2021 2022 2023
NIVI NATURALES Proj Proj Proj Proj. Proj. Proj. Proj. Proj.
ix) Deduct : Closing stocks-in-
process 4.33 6.89 9.85 13.85 18.08 23.56 30.65 39.44
x) Cost of Production 21.11 29.20 36.71 45.55 57.68 71.89 89.60 112.06
xi) Add : Opening stock of
finished goods 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
SUB-TOTAL 21.11 29.20 36.71 45.55 57.68 71.89 89.60 112.06
xii) Deduct closing stock of
finished goods 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
xiii) SUB-TOTAL (Total cost of Sales) 21.11 29.20 36.71 45.55 57.68 71.89 89.60 112.06
6 Selling general and adminis trtive
expenses 2.50 1.63 2.03 2.54 3.17 3.97 4.96 6.20
7 SUB-TOTAL (5+6) 23.61 30.83 38.74 48.09 60.86 75.86 94.56 118.26
8 Operating profit before interest 5.14 5.11 6.18 8.06 9.33 11.88 15.11 18.83
( 3-7 )
9 Interest 0.11 0.45 0.45 0.45 0.45 0.45 0.45 0.45
10 Operating profit after interest (8-9) 5.03 4.66 5.73 7.61 8.88 11.43 14.66 18.38
11 (i) Add other non-operating income
(a) INCOME IN INTE,COMM,DISCOUNT & SCR 0.30 0.38 0.47 0.59 0.73 0.92 1.14 1.43
(b)
(c)
(d)
Sub-total ( income ) 0.30 0.38 0.47 0.59 0.73 0.92 1.14 1.43
(ii) Deduct other non-operating expenses
(a) P&P expense inncluding 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
all book entries written off
(b)
(c)
(d)
Sub-total ( expenses ) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(iii) Net of other non-operating 0.30 0.38 0.47 0.59 0.73 0.92 1.14 1.43
income/expenses
12 Profit before tax/loss[10+11(iii)] 5.33 5.04 6.20 8.20 9.62 12.35 15.80 19.81
13 Provision for taxes 1.60 1.51 1.86 2.46 2.88 3.70 4.74 5.94
14 Prior Years Adjustment(if any)#
15 Net profit/loss for the year ( 12-13 ) 3.73 3.53 4.34 5.74 6.73 8.64 11.06 13.87
16 (a) Equity div idend paid-amt
(Already paid+ B.S. provision)
(b) Dividend Rate
17 Retained profit ( 14-15 ) 3.73 3.53 4.34 5.74 6.73 8.64 11.06 13.87
18 Retained profit/Net profit (% age) 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00
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LIABILITIES STATEMENT
Sheet 1 AS PER BALANCE SHEET AS AT 31st MARCH
CANARA BANKMUSURI
NIVI NATURALESLACS
Sl. 2016 2017 2018 2019 2020 2021 2022 2023
No. Proj Proj Proj Proj. Proj. Proj. Proj. Proj.
CURRENT LIABILITIES IV V VI VI VI VI VI VI
1 Short-term borrowings from
banks(including bills purchased,
discounted & excess borrowing
placed on repayment basis)
(i.) From applicant banks 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00
(ii.) From other banks
(iii) Of which BP & BD 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
SUB TOTAL 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00
2 Short term borrowings from others
3 Sundry Creditors (Trade) 0.47 0.59 0.73 0.92 1.14 1.43 1.79 2.23
4 Advance payments from custo-
LIABILITIES
5 Provision for taxes 1.60 1.51 1.86 2.46 2.88 3.70 4.74 5.94
6 Dividend payable
7 Other statutory liabilities [IFST]
(due within one year)
8 Deposits/instalments of term 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
loans/DPGs/Debentures/ H.P.
(due within one year)
9 Other current liabilities &
provisions(due within 1 Yr)
(specify major items) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
SUB-TOTAL (B) 2.07 2.10 2.59 3.37 4.03 5.13 6.53 8.18
TOTAL CURRENT LIABILITIES 5.07 5.10 5.59 6.37 7.03 8.13 9.53 11.18
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TERM LIABILITIES
11 Debentures (not maturing
within one year)
12 Creditors for capital goods
13 Term loans(excluding instalment) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
payable within one year)
14 HP Loan 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Loans from Directors
15 OTHER TERM LIABILITIES
16 Unsecured Loans/Trade Deposits 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
17 TOTAL TERM LIABILITIES 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
18 TOTAL OUTSIDE LIABILITIES 5.07 5.10 5.59 6.37 7.03 8.13 9.53 11.18
NET WORTH
19 Ordinary share capital 7.37 12.70 18.67 27.21 36.33 47.13 60.08 75.39
20 General Reserve
21 Other Reserves
23 Surplus (+) or deficit (-) in
Profit & Loss Account
23a Others (specify) - DTL
24 NET WORTH 7.37 12.70 18.67 27.21 36.33 47.13 60.08 75.39
25 TOTAL LIABILITIES 12.44 17.80 24.26 33.58 43.36 55.26 69.61 86.57
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Sheet 3 AS PER BALANCE SHEET AS AT : 31st MARCH
NIVI NATURALES LACS
Sl. 2016 2017 2018 2019 2020 2021 2022 2023
No. Proj Proj Proj Proj. Proj. Proj. Proj. Proj.
IV V VI VI VI VI VI VI
Cash and bank balances 0.25 0.50 0.75 1.00 1.25 1.50 1.75 2.00
Fixed Deposits with Banks 0.50 1.00 1.50 2.00 2.50 3.00 3.50 4.00
28 (i) Receivables other than 3.94 4.92 6.15 7.69 9.62 12.02 15.02 18.78
deferred & exports (include
bills purchased and
discounted by Banks)
(ii) Export receivables(include
bills purchased and
discounted by banks)
29 Instalments of deferred
receivables(due with in one yr.)
ASSETS
nven ory: . . . . . . . .
(i)Raw materials(including stores 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
& other items used in the
process of manufacture)
(a) Imported
(b) Indigenous
(ii) Stock-In-Process 3.25 5.17 7.38 10.38 13.56 17.67 22.99 29.58
(iii) Finished goods
(iv) Other Consumable Spares 1.08 1.72 2.46 3.46 4.52 5.89 7.66 9.86
(a) Imported
(b) Indigenous) 1.08 1.72 2.46 3.46 4.52 5.89 7.66 9.86
31 Advance to suppliers of raw
materials & stores and spares
32 Advance payment of taxes 1.60 1.51 1.86 2.46 2.88 3.70 4.74 5.94
33 Other Current assets
(Specify major items) 1.22 2.47 3.72 4.97 6.22 7.47 8.72 9.97
Other Curr assets 1.22 2.47 3.72 4.97 6.22 7.47 8.72 9.97
34 TOTAL CURRENT ASSETS 11.84 17.30 23.83 31.97 40.55 51.25 64.38 80.13
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FIXED ASSETS
35 Gross Block(Land & Building 0.70 0.70 0.70 0.70 0.70 0.70 0.70 0.70
machinery, work-in-process)
36 Depreciation to date 0.11 0.19 0.27 0.33 0.39 0.44 0.48 0.51
37 NET BLOCK 0.60 0.51 0.43 0.37 0.31 0.26 0.22 0.19
OTHER NON-CURRENT ASSETS
38 Investment/bookdebts/advances/ 0.00 0.00 0.00 1.25 2.50 3.75 5.00 6.25
deposits which are not current
assets
(i) a) Investment in subsidiary
Co./affiliates
b) Other Investments
(ii) Advances to suppliers of
capital goods & contractors
(iii)Deferred receivables (maturity
exceeding one year)
(iv)Others (a) Debtors> 6 months
(b) Security Deposits 0.00 0.00 0.00 1.25 2.50 3.75 5.00 6.25
(c) Project Surplus
on-consuma es s ores
spares
40 Other non-current assets incl-
uding dues from Directors
41 TOTAL OTHER NON-CURR. ASSETS 0.00 0.00 0.00 1.25 2.50 3.75 5.00 6.25
42 Intangible assets (patents,
goodwill, prelim.expenses, bad/
doubtful exp.not provided for etc)
43 TOTAL ASSETS(34+37+41+42) 12.43 17.80 24.26 33.58 43.36 55.26 69.61 86.57
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2016 2017 2018 2019 2020 2021 2022 2023
NIVI NATURALES
If ASSETS are equal to LIABILITIES Y Y Y Y Y Y Y Y
Balance Sheet Total ASSETS 12.43 17.80 24.26 33.58 43.36 55.26 69.61 86.57
Balance Sheet Total LIABILITIES 12.44 17.80 24.26 33.58 43.36 55.26 69.61 86.57
Diff Assets- liabilities 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Is Balance Sheet Depriciation Y Y Y Y Y Y Y Y
Equal to OP-Stmt. Depriciation
Balance Sheet Depriciation 0.11 0.09 0.08 0.06 0.05 0.05 0.04 0.03
Operating profit depriciation 0.11 0.09 0.08 0.06 0.05 0.05 0.04 0.03
Diff 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Prod* = Net Sales+Increase 33.08 38.50 47.88 60.15 74.42 93.22 116.76 145.88
in FG & SIP
(* Prod = Producton at sales value)
RM/ Prod. (%) 73.87 79.35 79.76 79.35 80.17 80.00 79.84 79.88
Spares/Prod. Sales (%) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Power & Fuel/ Prod. Sales(%) 0.45 0.49 0.49 0.49 0.49 0.49 0.49 0.49
Labour/ Prod. (%) 2.27 2.44 2.45 2.44 2.46 2.46 2.45 2.45
Other Mfg Exp./ Prod.(%) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(Cost of Prod.-Dep.)/( Net Sales+Inc. 63.49 75.62 76.52 75.62 77.44 77.07 76.71 76.80
in SIP stock) (%)
(Cost Of sales-Dep.)/ Net Sale (%) 73.06 81.01 81.56 81.01 82.10 81.88 81.66 81.72
PBDIT 5.43 5.24 6.72 8.71 10.12 12.84 16.29 20.29
G Selling+General Exp/Net Sales % 8.70 4.52 4.52 4.52 4.52 4.52 4.52 4.52
Intt. Calculation 2016 2017 2018 2019 2020 2021 2022 2023
Proj Proj Proj Proj. Proj. Proj. Proj. Proj.
FBWC Limit 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00
Avg. FBWC Utilisation % (Projected) 90.00 95.00 95.00 95.00 95.00 95.00 95.00 95.00
WC Intt rate (%) 12.50 12.50 12.50 12.50 12.50 12.50 12.50 12.50
WC Intt. 0.34 0.36 0.36 0.36 0.36 0.36 0.36 0.36
TL +DPG Intt. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Intt. On Deposits 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Intt. 0.34 0.36 0.36 0.36 0.36 0.36 0.36 0.36
Avg. FBWC Utilisation % Actual 90.00 95.00 95.00 95.00 95.00 95.00 95.00 95.00
Is FAs Additions>TLs raised N Y N N N N N N
Increase in FA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
TL disbursed 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Differennce 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
If Cash Accrual>TL Installment Y Y Y Y Y Y Y Y
Cash Accrual 3.84 3.61 4.41 5.80 6.79 8.69 11.10 13.90
TL installment 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Diff 3.84 3.61 4.41 5.80 6.79 8.69 11.10 13.90
Net DSCR #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
PROFIT AFTER TAX 3.73 3.53 4.34 5.74 6.73 8.64 11.06 13.87
Dividend 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PBDIT 5.43 5.24 6.72 12.84 16.29 12.84 0.00 20.29
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PERFORMANCE AND FINANCIAL INDICATORS
LACS2016 2017 2018 2019 2020 2021 2022 2023
Particulars Proj Proj Proj Proj. Proj. Proj. Proj. Proj.
Domestic Sales(Gross) 28.75 35.94 44.92 56.15 70.19 87.74 109.67 137.09Export Sales 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00Net Sales 28.75 35.94 44.92 56.15 70.19 87.74 109.67 137.09
% rise/fall (-) in net sales 25.00 25.00 25.00 25.00 25.00 25.00 25.00 25.00
Operating Profit 5.03 4.66 5.73 7.61 8.88 11.43 14.66 18.38
Profit Before tax 5.33 5.04 6.20 8.20 9.62 12.35 15.80 19.81
PBT/ Sales (%) 18.54 14.01 13.80 14.60 13.70 14.07 14.41 14.45
Profit After Tax 3.73 3.53 4.34 5.74 6.73 8.64 11.06 13.87
Cash Accrual 3.84 3.61 4.41 5.80 6.79 8.69 11.10 13.90
Paid Up Capital 7.37 12.70 18.67 27.21 36.33 47.13 60.08 75.39
TNW 7.37 12.70 18.67 27.21 36.33 47.13 60.08 75.39
Adjusted TNW 7.37 12.70 18.67 27.21 36.33 47.13 60.08 75.39
TOL/TNW (times) 0.69 0.40 0.30 0.23 0.19 0.17 0.16 0.15
Adjusted TOL/TNW 0.69 0.40 0.30 0.23 0.19 0.17 0.16 0.15
NWC 6.77 12.20 18.24 25.59 33.52 43.12 54.85 68.95
Current Ratio 2.34 3.39 4.26 5.01 5.77 6.30 6.76 7.17
Figures in Italics represents estimates taken at the time of the last renewal.
Other Ratios
Operating Cost/ sales % 82.51 87.03 87.25 86.45 87.34 86.97 86.63 86.59
Net Sales /TTA (times) 2.31 2.02 1.85 1.67 1.62 1.59 1.58 1.58
PBDIT 5.43 5.24 6.72 8.71 10.12 12.84 16.29 20.29
EFFICIENCY RATIOS
As on 31st March2016 2017 2018 2019 2020 2021 2022 2023
Particular Proj Proj Proj Proj. Proj. Proj. Proj. Proj.
Net Sales/ Total Tangible 2.31 2.02 1.85 1.67 1.62 1.59 1.58 1.58Assets (times)
PBT/ Total Tangible Assets (%) 42.86 28.29 25.55 24.41 22.18 22.34 22.71 22.88
Operating Cost to sales (%) 82.51 86.08 87.25 86.45 87.34 86.97 86.63 86.59
Bank Finance/ Ct. Assets (%) 25.34 17.35 12.59 9.38 7.40 5.85 4.66 3.74
Inventory+ Receivables to net 105.00 120.00 130.00 140.00 144.00 148.00 152.00 155.00Sales (days)
Figures in Italics represents estimates taken at the time of the last renewal.
PBDIT 5.43 5.24 6.72 8.71 10.12 12.84 16.29 20.29
RISK RATING RELATED RATIOS
Current Ratio 2.34 3.39 4.26 5.01 5.77 6.30 6.76 7.17TOL/TNW (times) 0.69 0.40 0.30 0.23 0.19 0.17 0.16 0.15PBDIT/Interest (times) 49.41 47.60 14.94 19.36 22.49 28.54 36.21 45.09PAT/Net Sales (%) 12.98 9.81 9.66 10.22 9.59 9.85 10.09 10.11ROCE (%) (PBDIT/TA) 43.71 29.41 27.72 25.94 23.34 23.24 23.41 23.44
INV+REC./Sales (days) 105 120 130 140 144 148 152 155
Historical ComparisonInput
2016 2017 2018 2019 2020 2021 2022 2023
Current Ratio 2.34 3.39 4.26 5.01 5.77 6.30 6.76 7.17TOL/TNW 0.69 0.40 0.30 0.23 0.19 0.17 0.16 0.15PBDIT/IINTT. 49.41 47.60 14.94 19.36 22.49 28.54 36.21 45.09PAT/NET SALES 12.98 9.81 9.66 10.22 9.59 9.85 10.09 10.11ROCE% 43.71 29.41 27.72 25.94 23.34 23.24 23.41 23.44INV.+REC./SALES (DAYS) 105.00 120.00 130.00 140.00 144.00 148.00 152.00 155.00
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INVENTORY & RECEIVABLES HOLDING LEVELS
LACS
2016 2017 2018 2019 2020 2021 2022 2023
Particulars Proj Proj Proj Proj. Proj. Proj. Proj. Proj.
IV V VI VII VI VII VI VII
Raw Material : a) Indigenous 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
b) Imported 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
# DI V/ 0! #DIV/0 ! # DI V/ 0! #DIV/0 ! # DI V/ 0! #DIV/0 ! # DI V/ 0! # DI V/ 0!
Raw Material [Overall] 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Stock in Process 3.25 5.17 7.38 10.38 13.56 17.67 22.99 29.58
1.85 2.12 2.41 2.74 2.82 2.95 3.08 3.17
Finished Goods 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other Spares : a) Indigenous 1.08 1.72 2.46 3.46 4.52 5.89 7.66 9.86
# DI V/ 0! #DIV/0 ! # DI V/ 0! #DIV/0 ! # DI V/ 0! #DIV/0 ! # DI V/ 0! # DI V/ 0!
b) Imported 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Receivables : a) Domestic 3.94 4.92 6.15 7.69 9.62 12.02 15.02 18.78
1.64 1.64 1.64 1.64 1.64 1.64 1.64 1.64
b) Export 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
# DI V/ 0! #DIV/0 ! # DI V/ 0! #DIV/0 ! # DI V/ 0! #DIV/0 ! # DI V/ 0! # DI V/ 0!
Receivables 3.94 4.92 6.15 7.69 9.62 12.02 15.02 18.78
1.64 1.64 1.64 1.64 1.64 1.64 1.64 1.64
S. Creditors 0.47 0.59 0.73 0.92 1.14 1.43 1.79 2.23
0.23 0.23 0.23 0.23 0.23 0.23 0.23 0.23
Other Creditors 1.60 1.51 1.86 2.46 2.88 3.70 4.74 5.94
Other Current Assets 3.57 5.48 7.83 10.43 12.85 15.67 18.71 21.91
(Figures in italics represents holding period in months. )
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ABF ASSESSMENT
LACS
2016 2017 2018 2019 2020 2021 2022 2023
Particulars Proj Proj Proj Proj. Proj. Proj. Proj. Proj.
Total CA 11.84 17.30 23.83 31.97 40.55 51.25 64.38 80.13
Other CL(Except Bank Borr.) 2.07 2.10 2.59 3.37 4.03 5.13 6.53 8.18
Working Capital Gap 9.77 15.20 21.24 28.59 36.52 46.12 57.85 71.95
Net Working Capital (Act./Proj) 6.77 12.20 18.24 25.59 33.52 43.12 54.85 68.95
Assessed Bank Finance 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00
NWC to TCA (%) 57.20 70.53 76.53 80.06 82.66 84.13 85.20 86.05
Bank Finance to TCA % 25.34 17.35 12.59 9.38 7.40 5.85 4.66 3.74
S. Cr. To TCA (%) 3.96 3.39 3.07 2.86 2.82 2.79 2.78 2.79
Other CL to TCA (%) 13.50 8.74 7.80 7.69 7.11 7.23 7.36 7.42
Inv. To Net sales (days) 55.00 70.00 80.00 90.00 94.00 98.00 102.00 105.00
Rec. to gross sales (days) 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00
S. Cr. To purchases (days) 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00
2016 2017 2018 2019 2020 2021 2022 2023
Particulars Proj Proj Proj Proj. Proj. Proj. Proj. Proj.
NWC to TCA (%) 57.20 70.53 76.53 80.06 82.66 84.13 85.20 86.05
Bank Finance to TCA % 25.34 17.35 12.59 9.38 7.40 5.85 4.66 3.74
Other CL to TCA (%) 17.46 12.12 10.88 10.56 9.94 10.02 10.14 10.21
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FUND FLOW (DETAILED)
NIVI NATURALES
2016 2017 2018 2019 2020 2021 2022 2023
1 SOURCES Proj Proj Proj Proj. Proj. Proj. Proj. Proj.
a. Net Profit (After Tax) 3.73 3.53 4.34 5.74 6.73 8.64 11.06 13.87
b. Depreciation 0.11 0.09 0.08 0.06 0.05 0.05 0.04 0.03
c Increase in Capital 7.37 5.33 5.97 8.54 9.12 10.80 12.95 15.31
d. Increase In TL. Incl.public deposits
e. Decrease in
i.) Fixed Assets
ii.) Other Non Current Assets
f Others
g. Total 11.21 8.94 10.38 14.34 15.91 19.49 24.05 29.21
2 USES
a. Net Loss
b. Dec.in Term Liab. incl. Pub.Dep.
c. Increase in
i) Fixed Assets 0.70
ii) Other Non current assets 1.25 1.25 1.25 1.25 1.25
d. Dividend Payment
e Others 3.73 3.53 4.34 5.74 6.73 8.64 11.06 13.87
f Total 4.43 3.53 4.34 6.99 7.98 9.89 12.31 15.12
FUNDS FLOW STATEMENT
(Summary)
2016 2017 2018 2019 2020 2021 2022 2023
Particulars Proj Proj Proj Proj. Proj. Proj. Proj. Proj.
3 I Long Term Surplus/Deficit 6.78 5.42 6.05 7.35 7.92 9.60 11.74 14.09
4 ii Increase/decrease in Curr. Assts. 11.84 5.46 6.53 8.14 8.58 10.70 13.13 15.75
5 iii Inc./Dec. in CL other than BB 2.07 0.03 0.49 0.78 0.65 1.11 1.39 1.65
6 iv Inc./Dec. in WC Gap 9.77 5.43 6.04 7.36 7.92 9.60 11.74 14.10
7 v Net Surplus (+) Deficit (-) -3.00 -0.01 0.01 0.00 0.00 0.00 0.00 0.00
8 vi Inc./Dec. in Bank Borrowings 3.00
FUNDS FLOW STATEMENT
2016 2017 2018 2019 2020 2021 2022 2023
Particulars Proj Proj Proj Proj. Proj. Proj. Proj. Proj.
Long Term Sources 11.21 8.94 10.38 14.34 15.91 19.49 24.05 29.21
Long Term Uses 4.43 3.53 4.34 6.99 7.98 9.89 12.31 15.12
Surplus/Deficit 6.78 5.42 6.05 7.35 7.92 9.60 11.74 14.09
Movement of TNW (Corporate)
2016 2017 2018 2019 2020 2021 2022 2023
Particulars Proj Proj Proj Proj. Proj. Proj. Proj. Proj.
Opening balance 7.37 12.70 18.67 27.21 36.33 47.13 60.08
1 Add.
i Profit/(-)Loss after Tax 3.73 3.53 4.34 5.74 6.73 8.64 11.06 13.87ii Increase in Capital 7.37 5.33 5.97 8.54 9.12 10.80 12.95 15.31
iii Dec./(-) Inc.in Intangible Assets
iv Inc../(-) \ Dec.in Reserves -3.73 -3.53 -4.34 -5.74 -6.73 -8.64 -11.06 -13.87
v. Adjust p rior year expenses
2 Less
Div Paid(Incl.Div.Tax)/ Withdrawals
TNW 7.37 12.70 18.67 27.21 36.33 47.13 60.08 75.39
Movement of TNW (Non Corporate)
2016 2017 2018 2019 2020 2021 2022 2023
Particulars Proj Proj Proj Proj. Proj. Proj. Proj. Proj.
Opening balance 7.37 12.70 18.67 27.21 36.33 47.13 60.08
Increase in Capital # 7.37 5.33 5.97 8.54 9.12 10.80 12.95 15.31
Dec./(-) Inc.in Intangible Assets
Dec./(-) Inc.in Reserves -3.73 -3.53 -4.34 -5.74 -6.73 -8.64 -11.06 -13.87
Closing Balance 3.64 9.17 14.33 21.47 29.60 38.49 49.02 61.52
# Net of Increse in capital+Net profit for the Year- Witdrawls
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Created By: R.Singhal Chief Manager(Credit) CAC CNW LHO New Delhi
Balance Sheet First Year : 2013 Rs in LACSLOAN OPENING BALANCE
Year DPG 1 Year DPG 2
Open. Balance Rate Of Intt (%) Open. Balance Rate Of Intt (%)
2016 0 15 2016 15
Table 1
LOAN DISBURSED DURING THE YEAR
As on DPG 1 DPG 2
31st March Year Q1 Q2 Q3 Q4 Total Q1 Q2 Q3 Q4 Total
I 2016 0.00 0.00 3.00 0.00 3.00 2016 0.00
II 2017 0.00 2017 0.00
III 2018 0.00 2018 0.00
IV 2019 0.00 2019 0.00
V 2020 0.00 2020 0.00
VI 2021 0.00 2021 0.00
VII 2022 0.00 2022 0.00
VIII 2023 0.00 2023 0.00
IX 2024 0.00 2024 0.00
X 2025 0.00 2025 0.00
. .
XII 2027 0.00 2027 0.00
Total 0.00 0.00 3.00 0.00 3.00 Total 0.00 0.00 0.00 0.00 0.00
Table 2
REPAYMENT SCHEDULE
As on DPG 1 DPG 2
31st March Year Q1 Q2 Q3 Q4 Total Year Q1 Q2 Q3 Q4 Total
I 2016 0.00 2016 0.00
II 2017 0.00 2017 0.00
III 2018 0.00 2018 0.00
IV 2019 0.00 2019 0.00
V 2020 0.00 2020 0.00
VI 2021 0.00 2021 0.00
VII 2022 0.00 2022 0.00
VIII 2023 0.00 2023 0.00
IX 2024 0.00 2024 0.00
X 2025 0.00 2025 0.00
XI 2026 0.00 2026 0.00
XII 2027 0.00 2027 0.00
Total 0.00 0.00 0.00 0.00 0.00 Total 0.00 0.00 0.00 0.00 0.00
Rate Of Interest % 15.00 3.00 15.00 0.00
=Opening Bal.+ Disbursal =Opening Bal.+ Di
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SUMMARY
YEAR 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027
I II III IV V VI VII VIII IX X XI XII
DPG Amt./ Opening Balance 0.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00
DPG Disbursed During the Yr. 3.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
DPG Repayment during Yr. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Closing Balance of the Yr. 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00
ntt For the Yr. 0.11 0.45 0.45 0.45 0.45 #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 0.00 0.00
Loan Disbursed During the Year
Open 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027
Balance I II III IV V VI VII VIII IX X XI XII
DPG 1 0.00 3.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
DPG 2 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
DPG 3 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00DPG 4 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
DPG 5 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
DPG 6 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
DPG 7 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
DPG 8 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
DPG 9 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
DPG 10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total 0.00 3.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Loan repayment Schedule
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027
I II III IV V VI VII VIII IX X XI XII
DPG 1 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
DPG 2 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
DPG 3 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
DPG 4 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
DPG 5 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00DPG 6 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
DPG 7 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
DPG 8 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
DPG 9 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
DPG 10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7/24/2019 nivi - musuri (1)
25/28
Total
3.00
0.00
0.000.00
0.00
0.00
0.00
0.00
0.00
0.00
Total
0.00
0.00
0.00
0.00
0.000.00
0.00
0.00
0.00
0.00
7/24/2019 nivi - musuri (1)
26/28
NIVI NATURALES
TABLE A DSCR STATEMENT Rs. in LACS
Particulars 2016 2017 2018 2019 2020 2021 2022 2023
I II III IV V VI VI VI
Net Sales 28.75 35.94 44.92 56.15 70.19 87.74 109.67 137.09
Sources
Net Cash Accrual 3.84 3.61 4.41 5.80 6.79 8.69 11.10 13.90TL Interest - - - - - - - -
Total Sources 3.84 3.61 4.41 5.80 6.79 8.69 11.10 13.90
Obligations
TL Instalment - - - - - - - -
TL Interest - - - - - - - -
Total Uses - - - - - - - -
Gross DSCR #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Average GDSCR
Net DSCR #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Average NDSCR
TABLE B
MARGIN OF SECURITY
Rs in LACS
Particulars 2016 2017 2018 2019 2020 2021 2022 2023
I II III IV V VI VI VI
WDV of Fixed Assets 0.70 0.70 0.70 0.70 0.70 0.70 0.70 0.70
TL Outstandings 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Margin 0.70 0.70 0.70 0.70 0.70 0.70 0.70 0.70
Security Margin 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00
Average Security Margin
As on 31st March
100.00
#DIV/0!
#DIV/0!
7/24/2019 nivi - musuri (1)
27/28
58.14-
58.14
-
-
-
#DIV/0!
#DIV/0!
800.00
7/24/2019 nivi - musuri (1)
28/28
unit Name: NIVI NATURALES
Depriciation Chart:
Rate of Depriciation:
Building : 10%
Others : 15%
2016 2017 2018 2019 2020 2021 2022 2023
Land:
Opening: 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Additions 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Gross 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Depreciation 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Block 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Building
Opening: 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Additions 0.00
Gross 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Depreciation 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Block 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Others
Opening: 0.70 0.60 0.51 0.43 0.37 0.31 0.26 0.22
Additions 0.00
Gross 0.70 0.60 0.51 0.43 0.37 0.31 0.26 0.22
Depreciation 0.11 0.09 0.08 0.06 0.05 0.05 0.04 0.03
Net Block 0.60 0.51 0.43 0.37 0.31 0.26 0.22 0.19
Total Gross 0.70 0.60 0.51 0.43 0.37 0.31 0.26 0.22
Total Depriciation 0.11 0.09 0.08 0.06 0.05 0.05 0.04 0.03
Total additions 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Bill Value of FA 0.70 0.70 0.70 0.70 0.70 0.70 0.70 0.70