Cma of Hostel

WELCOME
to
P.R.ACHARYA
Chief Manager
State Bank of India
Centralised Credit Processing Cell
Local Head Office
Bangalore - 560 001
ABF-ACHARYA
acharya.pr@sbi.co.in
15.04.2008
DISCLAIMER
This package is developed by Mr. P.R.ACHARYA to enable the Credit Analysists to save their
precious time and expedite the credit process.
Though sincere efforts are made to design the package to meet the laid down instructions of the
Bank, the author wishes to make it clear that there is no official sanction awarded to the
programme.
Therefore, the users are requested not to quote the package in any official correspondences.
Users are also requested to satisfy themselfves about the correctness of the results and compare
the same with the officially approved programme[s].
AN APPEAL
Dear Friends,
This package includes assessment of CRA also. As you are aware, we are permitted only
to let the customer know their rating and not the other details.
PLEASE, THEREFORE, DO NOT PROVIDE THIS PACKAGE TO
OUTSIDERS UNDER ANY CIRCUMSTANCES.
Any such act of yours contrary to this may creat problems not only to you but also to our
Bank. My earnest request to you, once again, not to provide this to outsiders, please.
[If at all it is required, you may handover the package called "ABF-CUST", which will be provided to you on
request]
GOOD LUCK
ACHARYA
f Manager
Bank of India
edit Processing Cell
Head Office
ore - 560 001
lysists to save their
wn instructions of the
on awarded to the
l correspondences.
e results and compare
we are permitted only

details.
AGE TO
o you but also to our

outsiders, please.
ll be provided to you on
INPUTS
Name of the Company :
VISHWABHARATI
ACADEMY
*
Amount in
[Rs. in lacs]
SECTOR :
SEGMENT:
Year [eg.2003]
Balance Sheet of LAST YEAR
Accounting Period [Months, eg.12]
Profit after Tax[PAT] as per P&L
2010
2011
2012
2013
2014
12
12
12
12
12
2.56
3.95
Audited
Choose CRA Category
CRA to be assessed for the year
D8
EXISTING UNIT - WC ONLY

2012
Tenor of proposed Term Loan

W.C.under Traditional Method to be
assessed for the year
2012
B8
Industry
2009
2010
5.63
1.33
7.96
2.72
1.75
0.73
3.85
80
2010
MAR
2010
DEC
TOL / TNW
Current Ratio
ROCE [PBDIT / Total assets]
Retained Profit / Total assets
PBDIT / Interest
PAT / Operating Income
Net Cash Accrual / Total Debt [TOL]
Inventory/Net Sales+Receivables/Gross Sales
Average Year to Year Growth in Net Sales in
Last Two Quarters [of current years &
corresponding quarters of last year
Projected
Year of first disbursement
2009
DEC
MODEL :
Level of Cash Flows [CF] or Assets located outside India.

[Applicable to Borrowers for whom 25% or more of their cash flow
or assets are located outside India].
Country
Comparison
2011
[Projected]
[Rs. in lacs]
2011
MAR
% of CF or
Asset
Whether the Company has any Associate / Sister / Group Concerns ?
NO
Whether commercial production has commenced ?

[If
Yes, please mention date of commencement of commercial production in Cell
No.F-51, in MM/DD/YY format.]
Whether the Audited Financials of the new Company relate to equal to or more
than 12 months of commercial production ?
Whether Trading Activity has commenced ?
[If Yes, please mention date of commencement of commercial production in
Cell No.F-51, in MM/DD/YY format.]
YES
Whether the Audited Financials of the new Company relate to equal to or more
than 12 months of Trading Activity ?
NO
FACILITIES [Existing & Proposed]

NON-CAPEX
TYPE
Letters of Credit
[Rs. in lacs]
1
Outstanding
Undrawn Limit
500
Out of the above share of our Bank

CAPEX
TYPE
Out of the above share of our Bank
100%
Total
Total Security - [Primary + Collateral]

01. Eligible Financial Collateral
02. [a] Factory Land & Building
02. [b] Residential Land & Building
02. [c] Commercial Land & Building
02. [d] Agricultural Land
03. Stocks & Receivables
04. Fixed Assets
05. Other Current Assets
06. Residual Value
07. Guarantees [as mentioned below]
07.[a] Government of India (GoI) Guarantee
F/R/C/A/L&B
St. & Rec.
100
704.43
360.66
1
Undrawn Limit
1st Charge 2nd Charge

100
704.43
360.66
56.38
1648.56
DISTRIBUTION OF SECURITY [Primary

2
3
EFC
100%
LIMIT
01-Apr-09
DISTRIBUTION OF SECURITY [Primary

2
3
EFC
F/R/C/A/L&B
St. & Rec.
100
704.43
360.66
[Rs. in lacs]
Total
100
0
704.43
0
0
360.66
56.38
0
0
1648.56
07.[b] State Government Guarantee (SGG)

1648.56
07.[c] Personal Guarantee / Third Party Guarantee
07.[d] Corporate Guarantee given by a Limited
s Company
Corporate Guarantee
Rating of Corporate Guarantor by External
CRA Rating of the Co. furnishig
Rating Agency
Corporate Guarantee
LINKS TO CELLS TO
BE KEYED IN
[other than Input, Opr.Stmt.,
Liab. & Assets]
DSCR
TL - Int.
INDUSTRY
Other Industries
EXPOSURE LEVEL
SENSITIVITY
RATIOS
[FB+NFB Limits]
Over Rs.5.00 crore
ANNEXURE - I
VALUE STATEMENTS
CRA SUMMARY
REGULAR
2010
IMPORTANT : Pl.do
not
forget
to
incorporate data in
Cell No.E-54 for NONTRADING
&
Cell
No.E-60
for
TRADING, to enable
the system to select
the relevant fields
only.
FACILITY RATING
ON OF SECURITY [Primary + Collateral]

4
5
6
FA
OCA
RV
56.38
7
Guar.
1648.56
ON OF SECURITY [Primary + Collateral]

4
5
6
FA
OCA
RV
Guar.
56.38
1648.56
15
ASSESSMENT OF WORKING CAPITAL REQUIREMENTS

FORM II : OPERATING STATEMENT
Name: VISHWABHARATI ACADEMY
As per profit and loss account actuals/
estimates for the year ended/ending
2010
2011
2012
YR.BEFORE LAST
AUDITED
1. Gross Sales
[i] Domestic Sales
[ii] Export Sales
Add other revenue income
Total
LAST YEAR
Audited
[Rs. in lacs]
2013
CURRENT YEAR
ESTIMATED
CLICK
TO
PRINT
###
Following Year
PROJECTED
836.71
723.85
1015.00
1045.00
###
836.71
723.85
1015.00
1045.00
###
836.71
723.85
1015.00
1045.00
###
NA
-13.49%
40.22%
2.96%
###
709.29
739.27
998.48
970.08
###
709.29
739.27
998.48
970.08
###
ii] Other spares

[a] Imported
[b] Indigenous
0.00
0.00
0.00
0.00
###
iii] Power & fuel
2.32
3.22
3.85
4.00
iv] Direct labour[Factory wages]
5.18
4.73
6.59
7.00
v] Other mfg. Expenses
8.59
8.70
12.20
12.50
vi] Depreciation
1.17
3.97
3.44
2.95
###
726.55
759.89
1024.56
996.53
###
2.90
46.24
8.75
50.00
729.45
806.13
1033.31
1046.53
2. Less Excise Duty

Deduct other items
3. Net Sales[item 1 - item 2]
4. % rise [+] or fall [-]in net sales as
compared to last year [annualised]
5. Cost of Sales
i] Raw materials[including stores
& other items used in the process of
manufacture]
[a] Imported
[b] Indigenous
vii] SUB-TOTAL [i to vi]

viii] Add:Op. stocks-in-process
Sub-total
###
###
16
FORM II : OPERATING STATEMENT

VISHWABHARATI ACADEMY
2010
46.24
2011
8.75
2012
50.00
2013
50.00
###
x] Cost of Production
683.21
797.38
983.31
996.53
###
xi] Add: Op.Stock of F.G.
137.58
10.05
116.36
135.00
###
820.79
807.43
1099.67
1131.53
###
10.05
116.36
135.00
135.00
###
xiii] Sub-Total [Total cost of sales]
810.74
691.07
964.67
996.53
###
6. Selling, Genl.& Admn.Expenses
14.44
20.56
23.07
18.20
SUB-TOTAL [5+6]
825.18
711.63
987.74
1014.73
###
8. Op.Profit before Interest [3-7]
11.53
12.22
27.26
30.27
###
9. Interest
9.73
5.72
15.00
15.00
###
10. Op.profit after Interest [8-9]
1.80
6.50
12.26
15.27
###
0.12
4.20
4.32
0.06
4.53
4.59
0.10
4.20
4.30
0.20
4.20
4.40
###
0.00
0.00
4.32
0.00
4.59
0.00
4.30
0.00
4.40
###
###
12. Profit before tax/loss

[10+11 (iii)]
13. [a] Provision for taxes
[b] Provision for Deferred Tax
6.12
11.09
16.56
19.67
###
14. Net Profit/loss [12-13]
6.12
11.09
16.56
19.67
###
15. [a] Equity dividend paid-amt

[Already paid+B.S.Prov]
[b] Dividend Rate
0.30
0.20
2.00
1.00
###
16. Retained Profit [14-15]
5.82
10.89
14.56
18.67
###
95.10
98.20
87.92
94.92
###
ix] Deduct: Cl. stocks-in-process
Sub-Total
xii] Deduct: Cl. stock of F.G.
7.
11. [i] Add other non-op.income

[a] Interest
[b] Rental Income
Sub-total [income]
[ii] Deduct other non-op.exp.
[a]
[b]
Sub-total [expenspes]
[iii] Net of non-op.income/exp
[iii] Expenses Amortised
17. Retained Profit/Net Profit[%]
17
FORM III
ANALYSIS OF BALANCE SHEET
CLICK
TO
PRINT
LIABILITIES
As per Balance Sheet as at:

2010
2011
YR.BEFORE LAST
AUDITED
CURRENT LIABILITIES
1. Short-term borrowings from
banks [incld bills purchased,
discounted & excess borrowing placed on repayment basis]
[i] From applicant Bank
LAST YEAR
Audited
2
[Rs. in lacs]
2013
2012
CURRENT YEAR
ESTIMATED
Following Year
PROJECTED
R
###
O
J
E
C
T
###
E
D
57.81
50.86
150.00
150.00
###
57.81
50.86
150.00
150.00
###
92.03
71.67
65.00
55.00
###
[ii] From other Banks

[iii] [of which BP & BD]
Sub-Total [A]
2. Short term borrowings from
others
3. Sundry Creditors [Trade]
4. Advance payment from customers/deposits from dealers
5. Provision for taxation
6. Dividend payable
7. Other statutory liabilities
[due within one year]
8. Deposits/Instalments of term
loans/DPGs/Debentures, etc.
[payable within one year]
0.00
9. Other Current Liabilities &

Provisions[due within 1 year]
1.37
2.23
2.40
2.55
###
93.40
73.90
67.40
57.55
###
151.21
124.76
217.40
207.55
###
Sub-Total [B]
10.TOTAL CURRENT LIABILITIES
[total of 1 to 9 excld 1 [iii]]
###
18
CLICK
TO
PRINT

2010
2011
2012
###
2013
TERM LIABILITIES
11. Debentures [not maturing
within one year]
12. Preference shares
[redeemable after one year]
13. Term Loans [excld instalments
payable within one year]
###
13.98
16.23
12.00
9.00
16. Other term liabilities
16.43
23.90
4.90
4.90
17. TOTAL TERM LIABILITIES
30.41
40.13
16.90
13.90
###
18. TOTAL OUTSIDE LIABILITIES
181.62
164.89
234.30
221.45
###
32.26
45.55
59.10
75.27
###
14. Deferred Payment Credits

[excluding instalments due
within one year]
15. Term Deposits [repayable
after one year]
[Item 10 plus item 17]
NET WORTH
19. Ordinary share capital
20. General Reserve
###
21. Revaluation Reserve
###
22. Other reserves [excluding

provisions]
###
23. Surplus(+) or Deficit(-) in

Profit & Loss Account.
23 a. Deferred Tax Liability [DTL]
23 b. Others [specify]
24. NET WORTH
25. TOTAL LIABILITIES
0.00
0.00
32.26
45.55
59.10
75.27
###
213.88
210.44
293.40
296.72
###
FORM III [contd]
ASSETS
As per Balance Sheet as at:

2010
2011
YR.BEFORE LAST
AUDITED
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 [incld.
bills purchased and
discounted by banks]
[ii] Export receivables[including
bills purchased and
discounted by banks]
29. Instalments of deferred receivables [due within one year]
30. Inventory:
[i] Raw Materials[including
stores & other items used
in the process of mfr.]
[a] Imported
[b] Indegenous
LAST YEAR
14.70
Audited
2
3.43
0.00
[Rs. in lacs]
2013
2012
CURRENT YEAR
ESTIMATED
Following Year
PROJECTED
###
0.37
0.38
###
###
0.00
0.00
0.00
###
126.00
48.46
80.74
87.00
###
56.29
125.11
185.00
185.00
###
0.00
0.00
0.00
0.00
###
###
[ii] Stocks in process
46.24
8.75
50.00
50.00
###
[iii] Finished goods
10.05
116.36
135.00
135.00
###
0.00
0.00
0.00
0.00
###
0.00
0.00
0.00
0.00
31. Advances to suppliers of raw

materials & stores/spares
32. Advance payment of taxes
0.62
0.50
0.57
0.57
33. Other current assets [specify]
3.00
5.07
2.00
2.00
200.61
182.57
268.68
274.95
[iv] Other consumable spares

[a] Imported
[b] Indegenous
34. TOTAL CURRENT ASSETS

[Total of 26 to 33]
###
FORM III [contd]
2010
FIXED ASSETS
35. Gross Block [land & bldg. & machinery]
Capital Work in Progress
36. Depreciation to date
2011
2012
###
2013
12.32
32.29
32.29
32.29
###
1.17
5.14
8.58
11.53
###
11.15
27.15
23.71
20.76
###
1.80
0.51
1.01
1.01
###
1.46
0.51
0.51
0.51
###
0.34
0.00
0.50
0.50
0.32
0.21
0.00
0.00
###
2.12
0.72
1.01
1.01
###
213.88
210.44
293.40
296.72
###
44. TANGIBLE NET WORTH [24-21-42]
32.26
45.55
59.10
75.27
###
45. NET WORKING CAPITAL

[(17+24)-(37+41+42)]
49.40
57.81
51.28
67.40
###
46. Current Ratio
1.33
1.46
1.24
1.32
###
47. Total Outside Liabilities/TNW
5.63
3.62
3.96
2.94
###
48. Total Term Liabilities/TNW
0.94
0.88
0.29
0.18
###
37. NET BLOCK [35-36]

OTHER NON-CURRENT ASSETS
38. Investments/book debts/
advances/deposits which are
not Current Assets
[i] (a) Investments in subsidiary Co.s/affiliates
(b) Others
[ii] Advances to suppliers of
capital goods & contractors
[iii] Deferred receivables
[maturity exceeding 1 yr]
[iv] Others
39. Non-consumable stores &
spares
40. Other non-current assets
including dues from directors
41.TOTAL OTHER NON-CURR.ASSETS
42. a. Intangible assets (patents,goodwill
prelim. Expenses, bad/doubtful
expenses not provided for etc.
b. Deferred Tax Assets [DTA]
43. TOTAL ASSETS [34+37+41+42]
[21]
FORM VI
FUNDS FLOW ANALYSIS
As per balance sheet as at
2011
2012
LAST YEAR
Audited
[1]
1.
CLICK TO
PRINT
2010
2013
CURRENT YEAR Following Year

ESTIMATED
PROJECTED
[2]
[3]
SOURCES
11.09
16.56
19.67
3.97
3.44
2.95
13.29
13.55
16.17
9.72
0.00
0.00
0.00
1.40
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
39.47
33.55
38.79
a] Net Loss
0.00
0.00
0.00
b] Decrease in term liabilities

including public deposits
0.00
23.23
3.00
d] Dividend payment
19.97
0.00
0.00
0.20
0.00
0.29
0.00
2.00
0.00
0.00
0.00
1.00
e] Others
10.89
14.56
18.67
f] TOTAL
31.06
40.08
22.67
a] Net profit [after tax]

b] Depreciation
c] Increase in capital
d] Increase in term liabilities
including public deposits
e] Decrease in
i] Fixed assets
ii] Other non-current assets
f] Others
g] TOTAL
2.
USES
c] Increase in
i] Fixed assets
ii] Other non-current assets
[22]
FUNDS FLOW ANALYSIS
CLICK TO
PRINT
[23]
FUNDS FLOW ANALYSIS
CLICK TO
PRINT
2011
8.41
2012
-6.53
2013
16.12
4. Increase/decrease in current
assets *as per details given below
-18.04
86.11
6.27
5. Increase/decrease in current
liabilities other than bank borrowing
-19.50
-6.50
-9.85
6. Increase/decrease in working
capital gap
1.46
92.61
0.00
7. Net surplus [+]/deficit [-]
6.95
-99.14
0.00
-6.95
99.14
0.00
-112.86
291.15
30.00
[i] Increase/decrease in
Raw Materials
0.00
0.00
0.00
[ii] Increase/decrease in
Stocks-in-process
-37.49
41.25
0.00
[iii] Increase/decrease in
Finished Goods
106.31
18.64
0.00
-77.54
0.00
32.28
0.00
6.26
0.00
[v] Increase/decrease in
stores and spares
0.00
0.00
0.00
[vi] Increase/decrease in
other current assets
-9.32
-6.06
0.01
-18.04
86.11
6.27
3. Long Term Surplus/Deficit
8. Increase/decrease in Bank borrowing

INCREASE/DECREASE - NET SALES
* Break-up of [4]
[iv] Increase/decrease in
Receivables
[a] Domestic
[b] Export
TOTAL
[24]
FUNDS FLOW ANALYSIS

1/22/2012 4:17
CLICK TO
PRINT
25
FORM IV
LAST YEAR
A. CURRENT ASSETS
1. Raw materials [including stores &
other items used in the proc.of mfg]
[a] Imported:
Amount
Month's consumption
BACK TO IN
COMPARATIVE STATEMENT OF
CURRENT ASSETS & CURRENT LIABILITIES
As per balance sheet as at
2011
2012
2013
NORMS
PEAK
[1]
Audited
[2]
CURRENT YEAR
ESTIMATED
Following Year
PROJECTED
[3]
[4]
Requirements
[5]
CLICK TO
PRINT
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
0.00
0.00
###
[b] Indigenous
Amount
Month's consumption
0.00
0.00
0.00
0.00
0.00
0.00
###
3. Stock-in-process
Amount
Month's cost of production
8.75
0.13
50.00
0.61
50.00
0.60
###
116.36
2.02
135.00
1.68
135.00
1.63
###
48.46
0.80
80.74
0.95
87.00
1.00
###
[b] Indigenous:
Amount
Month's consumption
2. Other consumable spares, excldg.
those included in [1] above.
[a] Imported:
Amount
Month's consumption
4. Finished Goods
Amount
Month's cost of Sales
5. Receivables other than export &
deferred receivables.[including bills
purchased & discounted by banks]
Amount
Month's domestic sales
[excldg def. Payment sales]
26
BACK TO IN
COMPARATIVE STATEMENT OF
CURRENT ASSETS & CURRENT LIABILITIES
2011
6. Export receivables
[incldg.BP & BD] - Amount
Month's export sales
0.00
0.00
0.00
0.00
0.00
0.00
0.00
9.00
2.94
2.95
3.43
0.00
0.37
0.00
0.38
0.00
5.57
2.57
2.57
182.57
268.68
274.95
Total
Cash & bank balances

Investments except long-term instalments of deferred receivables
Others
9. TOTAL CURRENT ASSETS
B. CURRENT LIABILITIES
[other than bank borrowings
for working capital]
2011
10. Creditors for purchases of raw

materials, stores, & cons.spares
Amount
Month's purchase
2013
0.00
0.00
7. Advances to suppliers of materials

& stores/spares, consumables.
8. Other current assets including cash
& bank balances & defer receivables
due within 1 yr[specify major items]
2012
2012
###
2013
71.67
1.16
65.00
0.78
55.00
0.68
11. Advances from customers
0.00
0.00
0.00
12. Statutory liabilities
0.00
0.00
0.00
2.23
2.40
2.55
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2.23
2.40
2.55
73.90
67.40
57.55
###
13. Other current liabilities

[specify major items]
a] S.T.borrowings - others
b] Dividend payable
c] Instalments of TL,DPG and
public deposits
d] Other current liabilities and
provisions.
14. TOTAL
Total
27
Pl. key in data in Cell No.B-5 onwards & in Cell No.W-6 & Y-7 onwards also.
[Rs. in lacs]
PROFITABILITY ESTIMATION
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
Capacity Utilisation
Net Sales
836.71
723.85
1015.00
1045.00
684.78
811.11
963.23
1146.27
0.00
0.00
0.00
Cost of Raw Materials[+consumables]
709.29
739.27
998.48
970.08
580.79
693.64
847.76
1019.77
0.00
0.00
0.00
Power & Fuel
2.32
3.22
3.85
4.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Direct Labour
5.18
4.73
6.59
7.00
62.30
74.76
89.71
107.65
0.00
0.00
0.00
Depreciation
1.17
3.97
3.44
2.95
16.67
14.25
12.19
10.43
0.00
0.00
0.00
Other Mfg.expenses
8.59
8.70
12.20
12.50
0.00
0.00
0.00
0.00
0.00
0.00
0.00
84.19
-68.82
-59.89
0.00
68.10
2.68
-12.85
-10.41
0.00
0.00
0.00
810.74
691.07
964.67
996.53
727.86
785.33
936.81
1127.44
0.00
0.00
0.00
14.44
20.56
23.07
18.20
0.00
0.00
0.00
0.00
0.00
0.00
0.00
825.18
711.63
987.74
1014.73
727.86
785.33
936.81
1127.44
0.00
0.00
0.00
11.53
12.22
27.26
30.27
-43.08
25.78
26.42
18.83
0.00
0.00
0.00
Interest
9.73
5.72
15.00
15.00
12.95
12.18
10.82
0.85
0.00
0.00
0.00
Net of Non-Operating Income/Expenses
4.32
4.59
4.30
4.40
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Expenses Ammortised [Misc.Exp.Written Off]
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Profit before tax [PBT]
6.12
11.09
16.56
19.67
-56.03
13.60
15.60
17.98
0.00
0.00
0.00
Income Tax
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Profit after Tax [Net Profit]
6.12
11.09
16.56
19.67
-56.03
13.60
15.60
17.98
0.00
0.00
0.00
Divedend paid / payable
0.30
0.20
2.00
1.00
6.14
6.89
7.66
8.44
0.00
0.00
0.00
Retained Profit
5.82
10.89
14.56
18.67
-62.17
6.71
7.94
9.54
0.00
0.00
0.00
Op.stock-Cl.stock of SFG+FG
Cost of Production
Selling, General & Administrative Exp.
Total Expenses
Operating Profit/Loss
28
DEBT SERVICE COVERAGE RATIO

[NET]
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
Net Profit [Profit after Tax]
6.12
11.09
16.56
19.67
-56.03
13.60
15.60
17.98
0.00
0.00
0.00
Add Depreciation
1.17
3.97
3.44
2.95
16.67
14.25
12.19
10.43
0.00
0.00
0.00
Add Intangible Assets written off
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Cash Accruals [A]
7.29
15.06
20.00
22.62
-39.36
27.85
27.79
28.41
0.00
0.00
0.00
T.L. Repayment obligation[B]
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Existing
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Proposed
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
DSCR [A/B]
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
AVERAGE DSCR [NET]
0.00
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
Cash Accruals
7.29
15.06
20.00
22.62
-39.36
27.85
27.79
28.41
0.00
0.00
0.00
Interest on Term Loan
0.00
Err:502
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Existing
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Proposed
0.00
Err:502
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
[A] Total
7.29
Err:502
20.00
22.62
-39.36
27.85
27.79
28.41
0.00
0.00
0.00
T.L. Repayment obligations
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Existing
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Proposed
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Err:502
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Existing
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Proposed
0.00
Err:502
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
[B] Total
0.00
Err:502
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
DSGCR [A/B]
0.00
Err:502
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

[GROSS]
AVERAGE DSCR[GROSS]
Err:502
29
PROJECT - [NET]
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
Net Profit [Profit After Tax]
6.12
11.09
16.56
19.67
-56.03
13.60
15.60
17.98
0.00
0.00
0.00
Add Depreciation
1.17
3.97
3.44
2.95
16.67
14.25
12.19
10.43
0.00
0.00
0.00
Add Intangible Assets Written Off
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Cash Accruals [A]
7.29
15.06
20.00
22.62
-39.36
27.85
27.79
28.41
0.00
0.00
0.00
T.L. Repayment obligation[B]
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
DSCR [A/B]
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
AVERAGE DSCR[NET - PROJECT]
0.00

PROJECT - [GROSS]
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
Cash Accruals
7.29
15.06
20.00
22.62
-39.36
27.85
27.79
28.41
0.00
0.00
0.00
0.00
Err:502
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
[A] Total
7.29
Err:502
20.00
22.62
-39.36
27.85
27.79
28.41
0.00
0.00
0.00
T.L. Repayment obligations
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Err:502
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
[B] Total
0.00
Err:502
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
DSGCR [A/B]
0.00
Err:502
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
AVERAGE DSCR[GROSS - PROJECT]
Err:502
30
Break Even Analysis - Please refer sheet named as 'RATIOS'

PROJECTED BALANCE SHEET
2010
2011
LIABILITIES
2012
2013
2014
2015
2016
2017
2018
2019
2020
Current Liabilities
Bank borrowings
57.81
50.86
150.00
150.00
100.00
100.00
100.00
100.00
0.00
0.00
0.00
Sundry Creditors
92.03
71.67
65.00
55.00
47.90
57.49
68.99
82.74
0.00
0.00
0.00
Term Loan Instalments
0.00
0.00
0.00
0.00
11.76
11.76
11.76
0.00
0.00
0.00
0.00
Provision for taxation
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Current Liabilities
1.37
2.23
2.40
2.55
2.50
3.00
3.50
4.00
0.00
0.00
0.00
151.21
124.76
217.40
207.55
162.16
172.25
184.25
186.74
0.00
0.00
0.00
Term Loans
13.98
16.23
12.00
9.00
23.53
11.76
0.00
0.00
0.00
0.00
0.00
Other Long Term Liabilities
16.43
23.90
4.90
4.90
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Total Term Liabilities
30.41
40.13
16.90
13.90
23.53
11.76
0.00
0.00
0.00
0.00
0.00
Capital
32.26
45.55
59.10
75.27
56.54
60.93
65.58
70.02
0.00
0.00
0.00
General Reserves
0.00
0.00
0.00
0.00
6.68
11.31
16.80
23.39
0.00
0.00
0.00
Revaluation Reserves
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Surplus in P & L Account
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Others
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
32.26
45.55
59.10
75.27
63.22
72.24
82.38
93.41
0.00
0.00
0.00
213.88
210.44
293.40
296.72
248.91
256.25
266.63
280.15
0.00
0.00
0.00
14.70
3.43
0.37
0.38
10.08
9.66
13.20
11.53
0.00
0.00
0.00
126.00
48.46
80.74
87.00
57.08
67.60
80.28
95.53
0.00
0.00
0.00
56.29
125.11
185.00
185.00
162.70
174.19
180.54
190.90
0.00
0.00
0.00
3.62
5.57
2.57
2.57
0.00
0.00
0.00
0.00
0.00
0.00
0.00
200.61
182.57
268.68
274.95
229.86
251.45
274.02
297.96
0.00
0.00
0.00
12.32
32.29
32.29
32.29
32.29
32.29
32.29
32.29
0.00
0.00
0.00
1.17
5.14
8.58
11.53
28.20
42.45
54.64
65.06
0.00
0.00
0.00
11.15
27.15
23.71
20.76
4.09
-10.16
-22.35
-32.77
0.00
0.00
0.00
Statutory Deposits
0.34
0.00
0.50
0.50
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Investment in Associates
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Total Current Liabilities
Total Net Worth

TOTAL LIABILITIES
ASSETS
Cash & Bank balances
Sundry Debtors
Stock
Other Current Assets
Total Current Assets
Gross Block
Depreciation to date
Net Block
31
Other Miscellaneous assets
1.78
0.72
0.51
0.51
0.51
0.51
0.51
0.51
0.00
0.00
0.00
Total Miscellaneous Assets
2.12
0.72
1.01
1.01
0.51
0.51
0.51
0.51
0.00
0.00
0.00
Intangibles
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
213.88
210.44
293.40
296.72
234.46
241.80
252.18
265.70
0.00
0.00
0.00
0.00
0.00
0.00
14.45
14.45
14.45
14.45
0.00
0.00
TOTAL ASSETS
END OF DSCR SHEET

END OF DSCR SHEET
32
33
1 OPR.STMT.!B20
0 OPR.STMT.!C20
2021
2022
2023
2024
THRIVENI15/12
A=EU-WC ONLY
0 OPR.STMT.!D20
B=EU-TL ONLY
0 OPR.STMT.!E20
C=EU-WC & TL
Pl. key in the following :

0.00
0.00
0.00
0.00
2010
0.00
0.00
0.00
0.00
Distribution expenses
0.00
0.00
0.00
0.00
Other factory overheads
0.00
0.00
0.00
0.00
Royalty & know how
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
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
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
10
0.00
0.00
0.00
0.00
11
0.00
0.00
0.00
0.00
12
0.00
0.00
0.00
0.00
13 DSCR
0.00
0.00
0.00
0.00
14
0.00
0.00
0.00
0.00
15
2011
2012
34
2021
2022
2023
2024
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
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
2021
2022
2023
2024
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
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
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
0.00
0.00
0.00
0.00
35
2021
2022
2023
2024
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
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2021
2022
2023
2024
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
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
36
2021
2022
2023
2024
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
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
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
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
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
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
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
37
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
38
39
A=EU-WC ONLY
B=EU-TL ONLY
C=EU-WC & TL
0
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
40
41
42
43
44
CALCULATION OF INTEREST ON
EXISTING & PROPOSED TERM LOANS.
1. Pl.key in the OPENING BALANCE in C
2. Pl.key in the RATE OF INTEREST in C
Provision is made to calculate interest for 5 existing term loans- Refer Cell No.
M-7 onwards for TL-II onwards, if necessary.
PROPOSED T.L.
MONTH DEBITS
2009
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
2010
JAN
FEB
MAR
TOTAL
MONTH DEBITS
2010
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
2011
JAN
FEB
MAR
TOTAL
MONTH DEBITS
2011
APR
MAY
JUN
JUL
AUG
SEP
0.00
Rate of Interest:
INSTALMENTS BALANCE
INTEREST
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
0.00
0.00
0.00
0.00
0.00
0.00
0.00
JAN
FEB
MAR
TOTAL
INSTALMENTS BALANCE
0.00
0.00
0.00
0.00
0.00
INTEREST
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
INSTALMENTS BALANCE
0.00
0.00
0.00
0.00
0.00
0.00
MONTH DEBITS
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
0.00
0.00
0.00
EXISTING T. L.
Err:502
Err:502
Err:502
Err:502
Err:502
Err:502
Err:502
Err:502
Err:502
0.00
0.00
0.00
Err:502
INTEREST
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
MONTH DEBITS
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
###
JAN
FEB
MAR
TOTAL
MONTH DEBITS
###
APR
MAY
JUN
JUL
AUG
SEP
0.00
OCT
NOV
DEC
2012
JAN
FEB
MAR
TOTAL
MONTH DEBITS
2012
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
2013
JAN
FEB
MAR
TOTAL
MONTH DEBITS
2013
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
2014
JAN
FEB
MAR
TOTAL
MONTH DEBITS
2014
APR
MAY
JUN
JUL
AUG
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
0.00
0.00
0.00
0.00
0.00
INSTALMENTS BALANCE
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
INTEREST
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
INSTALMENTS BALANCE
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
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
INTEREST
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
INSTALMENTS BALANCE
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
INTEREST
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
OCT
NOV
DEC
###
JAN
FEB
MAR
TOTAL
0.00
MONTH DEBITS
###
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
###
JAN
FEB
MAR
TOTAL
0.00
MONTH DEBITS
###
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
###
JAN
FEB
MAR
TOTAL
0.00
MONTH DEBITS
###
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
2015
JAN
FEB
MAR
TOTAL
MONTH DEBITS
2015
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
2016
JAN
FEB
MAR
TOTAL
MONTH DEBITS
2016
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
2017
JAN
FEB
MAR
TOTAL
MONTH DEBITS
2017
APR
MAY
JUN
JUL
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
0.00
INSTALMENTS BALANCE
INTEREST
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
INSTALMENTS BALANCE
0.00
0.00
0.00
0.00
INTEREST
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
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
INSTALMENTS BALANCE
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
INTEREST
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
SEP
OCT
NOV
DEC
###
JAN
FEB
MAR
TOTAL
0.00
MONTH DEBITS
###
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
###
JAN
FEB
MAR
TOTAL
0.00
MONTH DEBITS
###
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
###
JAN
FEB
MAR
TOTAL
0.00
MONTH DEBITS
###
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
2018
JAN
FEB
MAR
TOTAL
MONTH DEBITS
2018
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
2019
JAN
FEB
MAR
TOTAL
MONTH DEBITS
2019
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
2020
JAN
FEB
MAR
TOTAL
MONTH DEBITS
2020
APR
MAY
JUN
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
0.00
0.00
0.00
INSTALMENTS BALANCE
INTEREST
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
INSTALMENTS BALANCE
0.00
0.00
0.00
0.00
INTEREST
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
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
INSTALMENTS BALANCE
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
INTEREST
0.00
0.00
0.00
0.00
0.00
0.00
0.00
AUG
SEP
OCT
NOV
DEC
###
JAN
FEB
MAR
TOTAL
MONTH DEBITS
###
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
###
JAN
FEB
MAR
TOTAL
0.00
0.00
JUL
AUG
SEP
OCT
NOV
DEC
2021
JAN
FEB
MAR
TOTAL
MONTH DEBITS
2021
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
2022
JAN
FEB
MAR
TOTAL
MONTH DEBITS
2022
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
2023
JAN
FEB
MAR
TOTAL
MONTH DEBITS
2023
APR
MAY
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
0.00
0.00
0.00
0.00
0.00
INSTALMENTS BALANCE
INTEREST
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
INSTALMENTS BALANCE
0.00
0.00
0.00
0.00
INTEREST
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
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
INSTALMENTS BALANCE
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
INTEREST
0.00
0.00
0.00
0.00
0.00
JUN
JUL
AUG
SEP
OCT
NOV
DEC
2024
JAN
FEB
MAR
TOTAL
MONTH DEBITS
2024
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
2025
JAN
FEB
MAR
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
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
INSTALMENTS BALANCE
INTEREST
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
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Pl.key in the OPENING BALANCE in Cell No.J9,P9,V9,AB9 & AH9 [Exist.TL]
Pl.key in the RATE OF INTEREST in Cell No.E7 [Proposed] &

K7,Q7,W7,AC7 & AI 7[Exist]
EXISTING T. L.
Rate of Interest:
INSTALMENTS BALANCE
INTEREST
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
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
INSTALMENTS BALANCE
INTEREST
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
INSTALMENTS BALANCE
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
INTEREST
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
MONTH
0
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
JAN
FEB
MAR
TOTAL
MONTH
INSTALMENTS
0.00
DEBITS
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
MONTH
#VALUE!
APR
MAY
JUN
JUL
AUG
SEP
II
DEBITS
INSTALMENTS
0.00
DEBITS
0.00
0.00
INSTALMENTS
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
INSTALMENTS BALANCE
INTEREST
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
INSTALMENTS BALANCE
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
INTEREST
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
INSTALMENTS BALANCE
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
INTEREST
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
0.00
MONTH
#VALUE!
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
DEBITS
MONTH
#VALUE!
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
DEBITS
MONTH
#VALUE!
APR
MAY
JUN
JUL
AUG
DEBITS
0.00
INSTALMENTS
0.00
0.00
INSTALMENTS
0.00
0.00
INSTALMENTS
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
INSTALMENTS BALANCE
INTEREST
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
INSTALMENTS BALANCE
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
INTEREST
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
INSTALMENTS BALANCE
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
INTEREST
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
0.00
MONTH
#VALUE!
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
DEBITS
MONTH
#VALUE!
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
DEBITS
MONTH
#VALUE!
APR
MAY
JUN
JUL
DEBITS
0.00
INSTALMENTS
0.00
0.00
INSTALMENTS
0.00
0.00
INSTALMENTS
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
0.00
0.00
INSTALMENTS BALANCE
INTEREST
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
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
AUG
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
MONTH
#VALUE!
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
0.00
DEBITS
0.00
INSTALMENTS
0.00
0.00
Rate of Interest:
BALANCE
INTEREST
EXISTING T. L
MONTH
III
DEBITS
Rate of Interest:
INSTALMENTS BALANCE
INTEREST
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
0.00
0.00
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
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
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
JAN
FEB
MAR
TOTAL
0.00
0.00
0.00
0.00
0.00
0.00
0.00
BALANCE
INTEREST
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
BALANCE
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
INTEREST
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
MONTH
0.00
DEBITS
INSTALMENTS BALANCE
INTEREST
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
MONTH
#VALUE!
APR
MAY
JUN
JUL
AUG
SEP
0.00
0.00
0.00
0.00
0.00
DEBITS
0.00
INSTALMENTS BALANCE
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
INTEREST
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
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
BALANCE
INTEREST
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
BALANCE
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
INTEREST
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
BALANCE
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
INTEREST
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
0.00
MONTH
#VALUE!
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
DEBITS
MONTH
#VALUE!
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
DEBITS
MONTH
#VALUE!
APR
MAY
JUN
JUL
AUG
DEBITS
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
INSTALMENTS BALANCE
INTEREST
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
INSTALMENTS BALANCE
0.00
0.00
0.00
0.00
INTEREST
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
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
INSTALMENTS BALANCE
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
INTEREST
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
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
BALANCE
INTEREST
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
BALANCE
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
INTEREST
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
BALANCE
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
INTEREST
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
0.00
MONTH
#VALUE!
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
DEBITS
MONTH
#VALUE!
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
DEBITS
MONTH
#VALUE!
APR
MAY
JUN
JUL
DEBITS
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
INSTALMENTS BALANCE
INTEREST
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
INSTALMENTS BALANCE
0.00
0.00
0.00
0.00
INTEREST
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
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
INSTALMENTS BALANCE
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
INTEREST
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
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
BALANCE
INTEREST
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
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
AUG
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
MONTH
#VALUE!
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
0.00
DEBITS
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
0.00
0.00
INSTALMENTS BALANCE
INTEREST
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
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
THRIVENI15/12
EXISTING T. L.
MONTH
0
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
JAN
FEB
MAR
TOTAL
MONTH
DEBITS
INTEREST
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
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
INSTALMENTS BALANCE
INTEREST
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
DEBITS
EXISTING T. L.
Rate of Interest:
INSTALMENTS BALANCE
0.00
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
MONTH
#VALUE!
APR
MAY
JUN
JUL
AUG
SEP
IV
DEBITS
0.00
INSTALMENTS BALANCE
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
INTEREST
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
MONTH
0
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
JAN
FEB
MAR
TOTAL
MONTH
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
MONTH
#VALUE!
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
0.00
MONTH
#VALUE!
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
DEBITS
MONTH
#VALUE!
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
DEBITS
MONTH
#VALUE!
APR
MAY
JUN
JUL
AUG
DEBITS
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
INSTALMENTS BALANCE
INTEREST
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
INSTALMENTS BALANCE
0.00
0.00
0.00
0.00
INTEREST
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
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
INSTALMENTS BALANCE
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
INTEREST
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
MONTH
#VALUE!
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
MONTH
#VALUE!
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
MONTH
#VALUE!
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
0.00
MONTH
#VALUE!
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
DEBITS
MONTH
#VALUE!
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
DEBITS
MONTH
#VALUE!
APR
MAY
JUN
JUL
DEBITS
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
INSTALMENTS BALANCE
INTEREST
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
INSTALMENTS BALANCE
0.00
0.00
0.00
0.00
INTEREST
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
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
INSTALMENTS BALANCE
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
INTEREST
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
MONTH
#VALUE!
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
MONTH
#VALUE!
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
MONTH
#VALUE!
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
MONTH
#VALUE!
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
0.00
DEBITS
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
0.00
0.00
INSTALMENTS BALANCE
INTEREST
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
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
AUG
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
MONTH
#VALUE!
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
#VALUE!
JAN
FEB
MAR
TOTAL
EXISTING T. L.
DEBITS
Rate of Interest:
INSTALMENTS BALANCE
0.00
DEBITS
INTEREST
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
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
INSTALMENTS BALANCE
INTEREST
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
DEBITS
0.00 TL Outstandings - including Proposed

0.00 Total Instalments payable for the year
0.00
INSTALMENTS BALANCE
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
INTEREST
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
DEBITS
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
INSTALMENTS BALANCE
INTEREST
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
DEBITS
0.00
INSTALMENTS BALANCE
0.00
0.00
0.00
DEBITS
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

INTEREST
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
INSTALMENTS BALANCE
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
INTEREST
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
DEBITS
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
INSTALMENTS BALANCE
INTEREST
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
DEBITS
0.00
INSTALMENTS BALANCE
0.00
0.00
0.00
DEBITS
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

INTEREST
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
INSTALMENTS BALANCE
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
INTEREST
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
DEBITS
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
0.00
0.00
INSTALMENTS BALANCE
INTEREST
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
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00






including Proposed
payable for the year
including Proposed
including Proposed
including Proposed
including Proposed
including Proposed
including Proposed
including Proposed
including Proposed
including Proposed
including Proposed
including Proposed
including Proposed
including Proposed
including Proposed
SENSITIVITY ANALYSIS
2010
0 %increase
in
variable cost
A. Net Sales
B. Variable Expenses
C. Contribution
D. Fixed & Semi Fixed expenses
E. Operating Profit [C-D]

F. Break Even Sales [DxA/C]
836.71
814.12
22.59
20.79
1.80
770.04
836.71
814.12
22.59
20.79
1.80
770.04
variable cost

723.85
Err:502
Err:502
Err:502
Err:502
Err:502
723.85
Err:502
Err:502
Err:502
Err:502
Err:502
variable cost

836.71
814.12
22.59
20.79
1.80
770.04
0 % decrease in
selling price
836.71
814.12
22.59
20.79
1.80
770.04
0 % decrease in
volume of sales
723.85
Err:502
Err:502
Err:502
Err:502
Err:502
0 % decrease in
selling price
723.85
Err:502
Err:502
Err:502
Err:502
Err:502
2012
0 %increase in
A. Net Sales
C. Contribution
decrease in
volume of sales
2011
0 %increase in
A. Net Sales
C. Contribution
0%
1015.00
969.64
45.36
33.10
12.26
740.66
1015.00
969.64
45.36
33.10
12.26
740.66
0 % decrease in
volume of sales
1015.00
969.64
45.36
33.10
12.26
740.66
0 % decrease in
selling price
1015.00
969.64
45.36
33.10
12.26
740.66
IMPORTANT RATIOS / KEY FINANCIAL PARAMETERS

Particulars
Gross Sales
Net Sales
January 22, 2012
2010
2011
2012
YR.BEFORE LAST
AUDITED
LAST YEAR
CURRENT YEAR
ESTIMATED
[Rs. in lacs]
2013
Following Year
PROJECTED
2014
PROJECTED
836.71
836.71
723.85
723.85
1015.00
1015.00
1045.00
1045.00
684.78
684.78
Profit Before Tax

Net profit/loss [PAT]
Operating Profit
PBDIT
6.12
6.12
11.53
17.02
11.09
11.09
12.22
20.78
16.56
16.56
27.26
35.00
19.67
19.67
30.27
37.62
-56.03
-56.03
-43.08
-26.41
PBT / Net sales [%]

PAT / Net sales [%]
Operating Profit / Net Sales [%]
PBDIT / Net Sales [%]
PBT / TTA [%]
PBDIT / TTA[%]
PAT / TNW [%]
Operating Profit / TNW [%]
Retained Profit / Total Assets [%]
PAT / Operating Income [%]
0.73
0.73
1.38
2.03
2.86
7.96
18.97
35.74
2.72
0.73
1.53
1.53
1.69
2.87
5.27
9.87
24.35
26.83
5.17
1.53
1.63
1.63
2.69
3.45
5.64
11.93
28.02
46.13
4.96
1.63
1.88
1.88
2.90
3.60
6.63
12.68
26.13
40.22
6.29
1.88
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Cash Accruals
Net Working Capital
Current Ratio
PBDIT/Interest
ROCE (%)
Net Cash Accruals / Total Debt [%]
7.29
49.40
1.33
1.75
7.96
3.85
15.06
57.81
1.46
3.63
9.87
9.01
20.00
51.28
1.24
2.33
11.93
7.68
22.62
67.40
1.32
2.51
12.68
9.76
-39.36
67.70
1.42
0.00
0.00
-24.50
Paid up capital
Tangible Net Worth
Adjusted Tangible Net Worth
TOL/TNW
TOL / Adjusted TNW
TTL/TNW [Debt/Equity]
32.26
32.26
32.26
5.63
5.63
0.94
45.55
45.55
45.55
3.62
3.62
0.88
59.10
59.10
59.10
3.96
3.96
0.29
75.27
75.27
75.27
2.94
2.94
0.18
56.54
63.22
63.22
2.94
2.94
0.37
Sales / Current Assets

Sales / Fixed Assets
Sales / TTA
Sales / TNW
4.17
75.04
3.91
25.94
3.96
26.66
3.44
15.89
3.78
42.81
3.46
17.17
3.80
50.34
3.52
13.88
0.00
-
NWC / Current Assets [%]

S.Creditors / Current Assets [%]
Bank Finance / Current Assets [%]
Inventories to net sales (days)
Recv. To Gross Sales (days)
Inv+Recv/sales (days)
S. Crs. To Purchases (days)
24.62
45.88
28.82
25
55
80
47
31.66
39.26
27.86
63
24
88
35
19.09
24.19
55.83
67
29
96
24
24.51
20.00
54.56
65
30
95
21
35.74
20.84
43.50
87
30
117
26
94.26
0.31
0.69
1.14
1.92
109.66
93.26
0.41
0.60
1.10
2.59
89.78
92.89
0.36
0.61
1.13
2.15
91.89
92.83
0.38
0.67
1.20
1.74
97.10
94.18
10.10
118.03
RM+Stores Cons./ Production Value [%]
Power & Fuel / Production Value [%]

Direct Labour / Production Value [%]
Other Mfg.Exp. / Production Value [%]
Selling,Gen&Adm.Exp./Prod.Value[%]
Operating cost to Production Value
[101]
THRIVENI15/12
FUTURE PROSPECTS & NON-ACHIEVEMENT OF PROJECTED PERFORMANCE
Marks for
Sl.No.
Mark
Financial Ratios &
Comparison :
(-)ve
under FP
Latest vs Projected Position
Projected Ratio : better or at par or variance if
= Marks
worse as compared to the latest ratio - Marks any.
[P]
under
[Q]
(Q-R)
2011
2012
[R]
Ratios
At par
Worse
Latest
Projected Better
[a]
[b]
[2]
[1]
[0]
[i]
TOL / TNW
3.96
[II]
ROCE
[III]
PBDITA / INTT.
2.33
[iv]
PAT / Op.Income
[v]
Current Ratio
3.96
0.00
1.00
0.00
1.00
2.33
0.00
1.00
1.63
1.63
0.00
1.00
1.24
1.24
0.00
1.00
11.93% 11.93%
5.00
Non-Achievement of Projected Performance
Variance in Performance Based on last year's figures
Ratios
TOL/TNW
ROCE
PBDIT/INTT
PAT/OP.IN.
Cur.Ratio
APPRAISER
Last
Year's
Projected
Last
Year's
Actual
Negative Variance [V] & Negative Marks [M]

V
6% 10%
0.2
11% 20%
0.5
21% 30%
0.8
>30%
0.00%
0.00%
0.00%
0.00%
0.00%
0
0
0
0
0
0.00%
0.00%
0.00%
0.00%
0.00%
0
0
0
0
0
0.00%
0.00%
0.00%
0.00%
0.00%
0
0
0
0
0
0.00%
0.00%
0.00%
0.00%
0.00%
2011
2011
0% - 5%
0.00
0.00
0.00
0.00
0.00
3.96
0.12
2.33
1.63
1.24
0.00%
0.00%
0.00%
0.00%
0.00%
M
1
0
0
0
0
0
ASSESSOR
[102]
[ SECTOR : / SEGMENT: / MODEL : REGULAR ]
[B]
BUSINESS & INDUSTRY RISK [B & I R]

VALUE STATEMENTS
As on : 31.03.2012
0
N.T. REGULAR
Maximum
Score
Company's
Score
[i] Competition & Market Risk

Potential, the industry possesses to sell its products in domestic and international markets based on its reputation and its effectiveness in
making forays in established / new markets.
[ii] On the whole, the combination of the above listed factors makes the industry somewhat
competitive.
[ii] Industry Outlook
[ii] CRMD Industry Approach - GROW / Industry Outlook in CRA - VERY GOOD
[iii] Industry Cyclicality
[i] Stable industry cyclicality.
10
10
[iv] Regulatory Risk [for C & I]
[iv] Regulatory, Labour & Environmental Risk [for SSI & AGL]
[ii] The industry enjoys a favourable regulatory environment/effect of regulatory risk can be
contained/Regulatory & legislative issues create some vunerability but potential impact on
the company not significant as the issues can be tackled appropriately. There have been
no
of work on account of labour unrest.
[v] stoppages
Business Environment
[ii] The business environment is very good.
[vi] Technology & Vulnerability to Technological Change
[ii] The existing technology is proven and sufficient. The industry is vulnerable to
technological change to some extent but its impact is contained.
[vii] Vulnerability to Macroeconomic Environment
[ii] The effect can be contained to a large extent.
[viii] [Access to Resources] / Input Profile
[ii] Raw material generally available at more or less steady price. Has few alternate usage
but supply is adequate.
[ix] User / Product Profile
[i] Product of wide acceptance/uses. The product is distinctive. No complaints about their
rejection from the market. The delivery schedules of products are adhered to without fail.
[x] Capacity Utilisation & Flexibility in Operation
[i] Optimum Capacity utilisation; it propels to achieve high growth targets. Flexibility built
up in the manufacturing facilities to shift between the products to maintain optimum
capacity
utilisation.in Quality
[xi] Consistency
[i] (c) The proposed operations of the new unit are geared towards obtaining an ISO
certification on account of their stress on maintaining highest quality standards.
Consistency
in quality
is to be the/ Innovation
focus of its operations.
[xii] Research
& Development
[iii] The R & D efforts are average and product innovation observed sometimes.
[xiii] Distribution Network
[i] (b) Although the unit does not have a wide distribution network, the sales are increasing
year after year.
[xiv] Restructuring
[i] Excellent impact - Overall subsequent progress is excellent.
[xv] Level of Integration
[i] Excellent Position.
APPRAISER
ASSESSOR
[103]
[ SECTOR : TRADING / SEGMENT: C & I [SERVICE] / MODEL : REGULAR ]
MANAGEMENT RISK
As on : 31.03.2012
0
N.T. REGULAR
Maximum
Score
Company's
Score
1.5
VALUE STATEMENT
[i] INTEGRITY : [A] Integrity [Sole Proprietary Firm / Partnership Firm / Pvt. Ltd. Company]
[i] The integrity and character of the Management is beyond reproach. No fraudulent deals/transactions. On no
occasion any unsatisfactory feature of the unit has come to light.
[i] INTEGRITY : [B] Integrity [For Corporates] : Corporate Governance [CG]
[ii] Track Record / Conduct of Account.

[ii] On a few occasions, repayment of loans is delayed. The management tries to set
things right in case of lapses. Some Group companies or associates not doing well but the
management is co-operating in reviving/settling the overdues.
[iii] Managerial Competence / Commitment / Expertise
[ii] The management is competent with well defined promotion policy. The unit has
professionals in key areas, under the overall control of the management, who function
independently. The projects undertaken are executed in time.
[iv] Payment Record
[i] The record of meeting commitments to lenders and creditors is excellent. The unit has
rarely defaulted on this score.
[v] Structure & Systems
[ii] Although key positions are owner driven, the top and senior management take independent
decisions. Well laid out system of reporting.
[vi] Experience in the Industry

[i] The management has a good experience in the industry (> =5 years) and /or it is a
family business.
[vii] Strategic Initiatives
[i] (b) The management has the requisite capability to make the unit a leading venture in
its line of business.
[viii] Length of Relationship with the Bank
[i] Dealing with the Bank for more than 5 years and conduct is satisfactory. New unit but belonging to a Group
has dealings with the Bank for more than 5 years, a Group Company has offered its guarantee.
[ix] Credibility : Ability to Achieve Sales / Profit Projections

[i] Achieves both sales and profit / Sales / Profit projections within negative variance of
10%.
[x] Past Success in Introducing New Products
[i] Outstanding success record. Single product unit continuously being well received
without perceptible sign of decline.
[xi] Ability to Manage Change
[i] The unit has a structured and organised set up functioning effectively to manage
change.
[xii] Risk Appetite Level
[i] Adequate utilisation of potential of innovation/entering an uncharted course after well
thought out considerations but the size of such an external operation is less than the size
of the Companys existing operation.
[xiii] Succession Plan and / or Key Person
[i] Well laid out succession plan in place and the successor has been/is being groomed to take over as and when
the situation so warrants. The number of professionals/key persons are more than adequate to keep the
operations going even if a few of them leave the unit.
[xiv] Adherence to the Covenants of Sanction

[i] Full Compliance within the stipulated period and without follow up.
APPRAISER
ASSESSOR
Page - [104]
[NTR]
BORROWER RATING SUMMARY
SECTOR
Company's
Score
Weight
[A]
FINANCIAL RISK [FR]

Parameters
[i]
[ii]
[iii]
TOL / TNW
[a] Latest Ratio
[b] Average last 3 years
[c] Industry Comparison
CURRENT RATIO
[a] Latest Ratio
ROCE [PBDIT / TOTAL ASSETS]
[a] Latest Ratio
RETAINED PROFITS / TOTAL ASSETS
[iv]
[a] Latest Ratio

PBDIT / INTEREST
[v]
[vi]
[a] Latest Ratio

PAT / OPERATING INCOME
[a] Latest Ratio
NET CASH ACCRUALS / TOTAL DEBT
[vii]
[viii]
[a] Latest Ratio

Average Year to Year growth in Net
Sales in last two quarters
Max
Marks
10
6
2
2
10
6
2
2
10
8
2
10
8
2
10
8
2
10
8
Company's
ratios
0
0
0
3.96
3.08
NA
NORMALISED
1.24
0.93
NA
6
4
2
Normalised
11.93%
5.94%
4.96%
2.63%
7
5
2
6
4
2.33
1.79
2
5
3
2
1.63%
2
0
2
10
8
2
0.75%
7.68%
4.29%
2
5
3
2
10
0.00%
SEGMENT MODEL
0
REGULAR
As on : 31.03.2012
Max.
Company's
weighted weighted score
score
30
0.00
1.5
15
11.25
20
14.00
10
6.00
20
10.00
20
4.00
1.5
15
7.50
10
0.00
0.5
0.00
0.5
0.5
2
5
5
20
4.23
3.08
16.92
20
12.50
195
65
89.48
29.83
NA
29.83
FINANCIAL FLEXIBILITY
[a] Ability to raise funds through
internal
sources
[like
internal
accruals, saleable assets].
[ix]
[b] Ability to raise resources through

external sources [relationship with
bankers, liquidity back-ups & the like].
10
[c] Record in raising funds from

capital markets.
[d] Flexibility to defer its capital
expenditure in case of weakening
financial position.
[x]
GROUP RISK
[xi]
[xii]
FOREX RISK
FUTURE PROSPECTS [Projected Ratios]
[a] Gross Average DSCR[for all loans]

[xiii] [b] Inventory/NS+Rec./Gross Salesx365
[c] Sum of scores under [(b)]

TOTAL SCORE [FINANCIAL RISK]
Total Score normalised to 65
Qualitative Factors [-ve]
TOTAL SCORE [FINANCIAL RISK]
APPRAISER
10
10
10
NA
NA
NA
Err:502
10
96
[Case - II]
(-10)
Nil
Normalised
Normalised
Normalised
0
5
5.00
-10
65
ASSESSOR
Page - [105]
APPRAISER
[NTR]
ASSESSOR
Page - [106]
BORROWER RATING SUMMARY
[NTR]
SECTOR
[B]
BUSINESS & INDUSTRY RISK [B & I R]
Company's
Score
10
10
4
7
3
8
7.00
8.00
4.00
4.00
2.00
5.00
4
7
7
5
5
4
2
2
2
3.00
5.00
5.00
5.00
5.00
1.00
2.00
2.00
2.00
80
20
60.00
15.00
Maximum
Score
Company's
Score
4
4
4
3
4.00
3.00
3.00
3.00
Structure & Systems

Experience in the Industry
2
1
1.50
1.00
Strategic Initiatives
Length of relationship with the Bank
Credibility : Ability to make Sales / Profit projections
Past success in introducing new products
Ability to manage change
Risk Appetite level
Succession Plan / Key Person
1
3
1
1
2
1
2
1.00
3.00
1.00
1.00
2.00
1.00
2.00
Competition & Market Risk

Industry Outlook
Industry Cyclicality
Regulatory Risk
Business Environment
Technology & Vulnerability to Technological change
[vii] Vulnerability to macro-economic environment

[viii] Access to Resources [Input profile]
[ix] User / product profile
[x] Capacity utilisation & Flexibility in operation
[xi] Consistency in Quality
[xii] Research & Development / innovation
[xiii] Distribution Network
[xiv] Restructuring
[xv] Level of Integration
Total Score - Business & Industry Risk
Business & Industry Risk - Normalised to 20
MANAGEMENT RISK [MR]
[C]
[i]
[ii]
[iii]
[iv]
[v]
[vi]
[vii]
[viii]
[ix]
[x]
[xi]
[xii]
[xiii]
SEGMENT MODEL
0
REGULAR
As on : 31.03.2012
Maximum
Score
Parameters
[i]
[ii]
[iii]
[iv]
[v]
[vi]
Parameters
Integrity
Track Record / Conduct of Account
Managerial Competence / Commitment / Expertise
Payment Record
1
1.00
[xiv] Adherence to covenants of sanction
Total Score [MR]
30
27.50
M R Score normalised to 15
15
13.75
5
0.00
[D] Qualitative Parameter [External Rating]
Aggregate Score under [ FR + B & IR + MR ] out of 100 ~ [ A+B+C+D ] ~
[E]
100
58.58
[ 65+20+15+(+5) ]
Rounded off to :
59
[F] Borrower Rating based on the above Score
SB-8
[G] Country Risk [CR]
[H] FINAL BORROWER RATING AFTER CR.

[I] Financial Statement Quality
[J] Risk Score / Rating Transition Matrix
APPRAISER
NA
SB-8
0
Annexed
ASSESSOR
[107]
FINANCIAL RISK PARAMETERS

[i] TOL / TNW [Max. weighted scored : 30]
[a] Latest Ratio
Ratio Band
[a]
<=0.50
<=1.00
<=1.50
<=2.50
<=3.00
<=3.50
ANNEXURE- I
NTR
ROCE [PBDIT / Total assets]
Retained Profit / Total assets]
PBDIT / Interest
TABLE - I
Marks
[b]
6
5
4
3
2
0
Weight
Company's Ratio
[c]
3
Company's
Score from [b]
Company's
Weighted
Score = [a]x[b]
[e]
0
[f]
0
[d]
3.96
PAT / Operating Income

Net Cash Accrual / Total Debt [
Future Prospects[Projected Rat
TL only
WC only
TL+WC
CLICK TO
PRINT
ANNEXURE - I
[i] TOL / TNW
Table I
[a] Latest Ratio
[b] Moving Average of Company's Last 3 Years' TOL/TNW
Last 3 Years'
average
THRIVENI15/2
Company's latest
Company's latest ratio as compared
to its 3 years'
ratio from Table-I
average
TABLE-II
Marks
Weight
###
###
Company's Score
Company's
from [d]
Weighted Score =
[f]x[e]
###
###
[a]
3.08
[b]
3.96
[c]
[b] < [a]
[b]=[a] or {[a]+[0.25]}
[b]>{[a]+[0.25]}
[d]
2
1
0
[e]
3
[c] Industry Comparison [TOL / TNW]
Industry
Ratio
[]
Co.'s latest ratio Company's latest

from Table-I [2012] ratio as compared
to industry
average.
[f]
0
[g]
0
Last 3 year's average

Company's Latest ratio
Co.'s latest ratio as compared t
its 3 year's average
Marks
Weight
TABLE-III
Marks
Weight
Company's Score
Company's
from [d]
Weighted Score =
[f]x[e]
Co's weighted Score=(f)x(e)

Table III
[a]
NA
[b]
3.96
[c]
[b] < [a]
[b]=[a] or {[a]+[0.25]}
[b]>{[a]+[0.25]}
[d]
2
1
0
[e]
3
[d] Summary of Total Score "TOL / TNW"

S.No.
1
2
3
Particulars
Companys Score from Table I
Companys Score from Table II
Industry Comparison from Table III
Company's Total Weighted Score
[f]
Normalised
TABLE - IV
Weighted Score
0
0
Normalised
0
[g]
Normalised

industry average
Marks
Weight
Co.'s Score from[d]
Table IV
[d] Summary of Total Score
[1] Company's Score from Tabl
[108]
[3] Industry Comparison from T

Company's Total Weighted Sco
Industry Ratio
[viii] Average year to year grow
[ii] CURRENT RATIO [Max. weighted scored : 15]

[a] Latest Ratio
TABLE - I
Ratio Band
Marks
Weight
Company's Ratio
Company's
Score from [b]
Company's
Weighted
Score = [a]x[b]
[a]
>=1.50
>=1.35
>=1.20
>=1.10
>=1.00
< 1.00
[b]
6
5
4
3
2
0
[c]
1.5
[d]
1.24
[e]
4
[f]
6
[b] Moving Average of Company's Last 3 Years' - CURRENT RATIO
Last 3 Years'
average
Company's latest
to its 3 years'
ratio from Table-I
average
Corresponding two quarters

Average of the above
###
###
###
###
###
###
###
###

[ix] Financial Flexibility
Excellent [success record >=90
TABLE-II
Marks
Weight
Company's Score
Company's
from [d]
Weighted Score =
[f]x[e]
Good [>=50%]
Satisfactory [>=40%]
[a]
0.93
[b]
1.24
[c]
[b] > [a]
[b]=[a] or {[a]-[0.05]}
[b]>{[a]-[0.05]}
[d]
2
1
0
[e]
1.5
[c] Industry Comparison [CURRENT RATIO]

Industry
Co.'s latest ratio Company's latest

Ratio from Table-I [2012] ratio as compared
[]
to industry
average.
[a]
NA
[b]
1.24
[c]
[b] > [a]
[b]=[a] or {[a]-[0.03]}
[b]>{[a]-[0.03]}
Particulars
[g]
3
TABLE-III
Marks
Weight
[d]
2
1
0
[e]
1.5
[d] Summary of Total Score "CURRENT RATIO"

S.No.
1
2
3
[f]
2
Company's Score
Company's
from [d]
Weighted Score =
[f]x[e]
[f]
0
TABLE - IV
Weighted Score
6
3
Normalised
11.25
[g]
Normalised
[109]
[iii] Return on Capital Employed [ROCE] (%) [PBDIT/Total Assets] [Max.Weighted Score-20]
[a] Latest Ratio
Ratio Band
[%]
[a]
>=20.00
>=15.00
>=10.00
>= 5.00
>= 3.00
>= 2.00
>=<1.00
TABLE - I
Marks
Weight
Company's Ratio
Company's
Score from [b]
Company's
Weighted
Score = [a]x[b]
[b]
8
6
5
4
3
2
0
[c]
2
[d]
11.93%
[e]
5
[f]
10
[b] Moving Average of Company's Last 3 Years' - ROCE
Last 3 Years'
average
[a]
5.94%
Company's latest
to its 3 years'
ratio from Table-I
average
[b]
11.93%
[c]
[b] > [a]
[b]=[a] or {[a]-[1%]}
[b]>{[a]-[1%]}
TABLE-II
Marks
Weight
[d]
2
1
0
[e]
2
[c] Summary of Total Score under ROCE Ratio

S.No.
1
2
Particulars
Company's Score
Company's
from [d]
Weighted Score =
[f]x[e]
[f]
2
TABLE - III
Weighted Score
10
4
14
[g]
4
[110]
[iv] Retained Profit / Total Assets (%) [Max.Weighted Score-10]

[a] Latest Ratio
Ratio Band
[%]
[a]
>=7.50
>=5.00
>=3.00
>=2.00
>=1.00
< 1.00
TABLE - I
Marks
Weight
Company's Ratio
[b]
8
6
4
2
1
0
[c]
1
[d]
4.96%
Company's
Weighted
Company's
Score = [a]x[b]
Score from [b]
[e]
4
[f]
4
[b] Moving Average of Company's Last 3 Years' - Retained Profit / Total Assets Ratio
Last 3 Years'
average
[a]
2.63%
Company's latest
to its 3 years'
ratio from Table-I
average
[b]
4.96%
Marks
[c]
[d]
2
[b]=[a] or {[a]-[0.25%]}
1
[b]>{[a]-[0.25%]}
0
[*Eligible for full marks as the Company has secured optimum score in Table-I]
[b] > [a]
[c] Summary of Total Score under Retained Profit / Total Assets Ratio
S.No.
1
2
Particulars
Weighted Score
4
2
6
Weight
[e]
1
TABLE-II
Company's Score
Company's
from [d]
Weighted Score =
[f]x[e]
[f]
2
[g]
2
TABLE - III
[111]
[v] PBDIT / INTT. [Max.Weighted Score-20]

[a] Latest Ratio
TABLE - I
Ratio Band
Marks
Weight
Company's Ratio
[a]
>=10.00
>=5.00
>=3.00
>=2.00
>=1.00
< 1.00
[b]
8
6
4
3
2
0
[c]
2
[d]
2.33
Company's
Weighted
Company's
Score
= [a]x[b]
Score from [b]
[e]
3
[f]
6
[b] Moving Average of Company's Last 3 Years' - PBDIT / INTT.
Last 3 Years'
average
[a]
1.79
Company's latest
to its 3 years'
ratio from Table-I
average
[b]
2.33
[c]
[b] > [a]
[b]=[a] or {[a]-[0.25%]}
[b]>{[a]-[0.25%]}
TABLE-II
Marks
Weight
[d]
2
1
0
[e]
2
[c] Summary of Total Score under PBDIT / INTT. Ratio

S.No.
1
2
Particulars
Company's Score
Company's
from [d]
Weighted Score =
[f]x[e]
[f]
2
[g]
4
TABLE - III
Weighted Score
6
4
10
[112]
[vi] PAT / Operating Income [%] [Max.Weighted Score-20] [Operating Income = Net Sales-Other Income]
[a] Latest Ratio
Ratio Band
[%]
[a]
>=8.00
>=6.00
>=4.00
>=3.00
>=2.00
< 2.00
TABLE - I
Marks
Weight
Company's Ratio
[b]
8
6
4
3
2
0
[c]
2
[d]
1.63%
Company's
Weighted
Company's
Score = [a]x[b]
Score from [b]
[e]
0
[f]
0
[b] Moving Average of Company's Last 3 Years' - PAT / Operating Income.
Last 3 Years'
average
[a]
0.75%
Company's latest
to its 3 years'
ratio from Table-I
average
[b]
1.63%
[c]
[b] > [a]
[b]=[a] or {[a]-[0.25%]}
[b]>{[a]-[0.25%]}
Marks
Weight
[d]
2
1
0
[e]
2
[c] Summary of Total Score under the ratio PAT / Operating Income.
S.No.
1
2
Particulars
TABLE-II
Weighted Score
0
4
4
Company's Score
Company's
from [d]
Weighted Score =
[f]x[e]
[f]
2
[g]
4
TABLE - III
[113]
[vii] Net Cash Accruals / Total Debt [%] [Total Weighted Score-15]
[NCA = PAT-Dividend+Depreciation] / [Total Debt = Total Outside Liabilities]
[a] Latest Ratio
Ratio Band
[%]
[a]
>=20%
>=15%
>=10%
>= 7%
>= 4%
< 4%
TABLE - I
Marks
Weight
Company's Ratio
[b]
8
6
5
3
1
0
[c]
1.5
[d]
7.68%
Company's
Weighted
Company's
Score
= [a]x[b]
Score from [b]
[e]
3
[f]
4.5
[b] Moving Average of Company's Last 3 Years' - Net Cash Accruals / Total Debt.
Last 3 Years'
average
[a]
4.29%
Company's latest
to its 3 years'
ratio from Table-I
average
[b]
7.68%
Marks
[c]
[d]
2
[b]=[a] or {[a]-[0.25%]}
1
[b]>{[a]-[0.25%]}
0
[*Eligible for full marks as the Company has secured optimum score in Table-I]
[b] > [a]
[c] Summary of Total Score under the ratio Net Cash Accruals / Total Debt.
S.No.
1
2
Particulars
Weighted Score
4.5
3
7.5
Weight
[e]
1.5
TABLE-II
Company's Score
Company's
from [d]
Weighted Score =
[f]x[e]
[f]
2
[g]
3
TABLE - III
[114]
[viii] Average Year to Year Growth in Net Sales in Last Two Quarters [%]
[a] Latest Ratio
Ratio Band
[%]
[a]
>=15.00%
>=7.50%
>=3.00%
>=2.00%
>=0.00%
>=(-5.00%)
>=(-10%)
<(-10%)
TABLE - I
Marks
Weight
Company's Ratio
[b]
10
8
6
4
2
-2
-4
-6
[c]
1
[d]
0.00%
Company's
Weighted
Company's
Score from [b] Score = [a]x[b]
[e]
0
[f]
0
[viii] Average year to year growth in Net Sales in Last Two Quarters [%]
Corresponding two quarters
0.00%
Average of the above
0.00%
Company's Score
0.00%
[xiii] Case I : Gross Average DSCR for All Loans [for a borrower enjoying TL facility only]
[Maximum Weighted Score : 20]
Ratio Band
Marks
Weight
Company's Ratio
Company's
Weighted
Company's
NTR-SIMPLIFIED
[a]
>=2.00
>=1.98
>=1.95
>=1.92
>=1.90
>=1.88
>=1.85
>=1.80
>=1.78
>=1.75
<1.75
[b]
10
9
8
7
6
5
4
3
2
1
0
[c]
2.00
[d]
Err:502
[e]
Err:502
[i] TOL / TNW

Table I
[a] Latest Ratio
[f]
Err:502
###
###
###
###
###
###
###
###
Table II
[115]
[b] Moving Average of Co.'s las

Last 3 year's average
its 3 year's average
[xiii] Case II : (Inventory / Net Sales + Receivables / Gross Sales) x 365 (Days')
[for a borrower enjoying WC facility only] [Maximum Weighted Score : 20]
TABLE - I
[a] Latest Ratio
Ratio Band
[%]
[a]
<= 90
<=120
<=150
<=180
<=210
> 210
Marks
[b]
6
5
4
3
2
0
Weight
Company's Ratio
[c]
2
[d]
96
Company's
Weighted
Company's
[e]
5
Marks
Weight
Co.'s Score from[d]
Table III
Industry Ratio
industry average
Marks
Weight
[f]
10
[b] Moving Average of Company's Last 3 Years' - Ratio - (Inv./NS+Rec./GS) x 365 [Days']
TABLE-II
Last 3 Years'
average
Company's latest
to its 3 years'
ratio from Table-I
average
Marks
Weight
Company's Score
Company's
from [d]
Weighted Score =
[f]x[e]
[d] Summary of Total Score

[a]
56
[b]
96
[c]
[d]
2
1
0
[b] < [a]

[b]=[a] or {[a] +[15]}
[b]>{[a] +[15]}
[e]
2
[c] Industry Comparison [(Inv./NS + Rec. / GS) x 365 (days')]

Marks
Industry
Ratio
[]
Company's latest
ratio as compared
to industry
average.
[f]
0
[g]
0
Company's Total Weighted Sco

industry average
Marks
Weight
Co.'s Score from[d]
TABLE-III
Marks
Weight
Company's Score
Company's
from [d]
Weighted Score =
[f]x[e]
Table IV
[d] Summary of total Score
[a]
0
[b]
96
[c]
[d]
2
1
0
[b] < [a]

[b]=[a] or {[a] + [15]}
[b]>{[a] + [15]}
[e]
2
[f]
0

[3] Industry Comparison from T
Company's Total Score
[d] Summary of Total Score under Case = II - (Inv. / NS + Rec. / GS) x 365 [days']
S.No.
1
2
3
Particulars
TABLE - IV
Weighted Score
10
0
Normalised
12.5
CASE - III : For a Company having both WC & TL Facilities.

[i] Scoring done for TL as under Case-I
Score :
[a]
[ii] Scoring done for WC as under Case II
Score :
12.5
[b]
12.50
[b]
Score obtained under Case-III
[g]
Normalised
FACILITY RATING
[116]
[ SECTOR : / SEGMENT: / FACILITY : Letters of Credit ]
SEGMENT
0
FACILITY RATING SUMMARY

NFB-WC - [Non - CAPEX]
FACILITY :
Letters of Credit
SECTOR
0
FR
as on
31.03.2012
[a]
[i]
Risk Drivers for Loss Given

Default [LGD]
Parameters
Current Ratio
[a] Latest Ratio
[b] Average of last 3 years
Company's
ratios
Company's
Score
Weight
8
6
2
1.24
0.93
6
4.00
2.00
0.6
3.6
0.97
0.72
#VALUE!
58.22
60
58.22
0.5
75
3
1
0.05
0.5
1
5
3
0.5
3.75
1.5
100
#VALUE!
#VALUE!
[ii] Nature of Charge

4
[iii] Industry
6
[a] Industry Characteristics &
Distance to Default
3
[b] Industry Recovery Score
3
[iv] Geography
2
[v] Unit Charasteristics
8
4
[a] Leverage / Enforcement of
Collateral.
4
[b] Safety, Value & Existence of
Assets.
[vi] Macro Economic Conditions
5
2
[a] GDP Growth Rate : Impact of
Business Cycle
1
[b] Insolvency Legislation in the
Jurisdiction
1
[c] Impact of systemic / Legal
factors on Recovery
[d] Time Period for Recovery
1
[vii] Security
60
Total
Security
[Primary
+
Collateral]
[b] Risk Drivers for Exposure at Default [EAD]
[i] Nature of Commitment
1
[ii] Credit Quality of the Borrower
100
[iii] Tenor of Facility
3
0.97
0.97
0.72
0.72
0.72
3
0
3
4
1.5
0.5
1
1
Total Score
Total Score - Rounded Off
Facility Rating Based on the above score
APPRAISER
Max.
Company's
weighted weighted score
score
Max Marks
#VALUE!
ASSESSOR
FACILITY RATING
[117]
[ SECTOR : / SEGMENT: / FACILITY : Letters of Credit ]
[A]
RISK DRIVERS FOR LGD

[i] CURRENT RATIO [Max. weighted score : 6]
[a] Latest Ratio
TABLE - I
Ratio Band
Marks
Weight
Company's
Ratio
>=1.50
0.6
1.24
>=1.35
>=1.20
>=1.10
>=1.00
< 1.00
3
2
0
Company's
Score from [b]
Company's
Weighted
Score
2.4
BACK
[b] Moving Average of Company's Last 3 Years' - CURRENT RATIO

Last 3 Years'
average
Company's
latest ratio
from Table-I
0.93
1.24
Company's latest ratio as

compared to its 3 years'
average
Marks
Weight
[d]
2
1
0
[b] > [a]

[b]=[a] or {[a]-[0.05]}
[b]>{[a]-[0.05]}
0.6
[c] Industry Comparison [CURRENT RATIO]

Industry
Ratio
[]
NA
Co.'s latest
ratio from
Table-I [2012]
Company's latest ratio as

compared to industry
average.
1.24
TABLE-II
Company's
Score from [d]
Company's
Weighted
Score
1.2
TABLE-III
Marks
Weight
[d]
2
1
[b]>{[a]-[0.03]}
0
[d] Summary of Total Score "CURRENT RATIO"
S.No.
Particulars
1
2
3
0.6
[b] > [a]
Company's
Score from [d]
Company's
Weighted
Score
NA
Normalised
[b]=[a] or {[a]-[0.03]}
TABLE - IV
Weighted Score
2.4
1.2
Normalised
3.6
[ii] Nature of Charge [Max. weighted score : 4]

Collateral to
EAD Ratio
Sl. No.
Type of collateral
Effective
Co.'s Effective Co.'s Score
Collateral to
Collateral to
[Max.4]
EAD Ratio EAD Ratio from
[b]
BACK
[A]
Eligible financial collateral
[B]
Other IRB Collateral / Other Collateral
[C]
A combination of collaterals given under [A]

& [B| above.
0.20
1.08
0.20
0.77
0.20
0.77
0.20
0.77
0.97
0.97
[EAD : [a] for Fund Based Exposure : Outstandings + 75% of unutilised Limit, [b] for NFB exposure : Limits]
APPRAISER
ASSESSOR
FACILITY RATING
[118]
[iii] Industry [Max. Score 6]

[a] Industry Characteristics & Distance to Default [Max.3 marks]
Industry Outlook
Risk Level
RMD Industry Approach
Maximum
Marks
Co.'s Score
3
[b] Industry Recovery Score [Max. 3 marks]
Sl.No.
Industry
[ix]
Other Industries
LGD [%]
[a]
RR [%]
=100-[a]
[b]
76
24
Marks out of Co.'s Score

3 =([b]x3)/100 from [c]
[c]
[d]
0.72
BACK
0.72
[iv] Geography [Max. Marks : 2]

Sl.No.
Geographical Region
LGD [%]
[a]
RR [%]
=100-[a]
[b]
Marks out of Co.'s Score

2 =([b]x2)/100 from [c]
[c]
[d]
BACK
[v] Unit Characteristics [Max. Marks : 8]

[a] Leverage / Enforcement of Collateral [Max. Marks : 4]
[iii]
High leverage [more than 2 claimants for the Assets in the event of
Default] / the risk of enforcement of claim is high / very high.
[b] Safety, Value & Existence of Assets [Max. Marks : 4]
[ii]
The useful life, quality & upkeep good / satisfactory.
[c] Impact of Systemic / Legal Factors on Recovery [Max. Marks : 1]

Systemic Factors in the Govt. / Semi Govt. favour recovery. Legal
[i]
Systgem is aligned for faster recovery. Govt. Machinery is helpful in
accelerating recover.
[d] Time Period for Recovery [Max. Marks : 1]
[i]
Fast recovery vis--vis the Collateral position & economic scenario, within
a year. BIFR directed Recovery.
[vii] Total Security [Primary + Collateral ] (Max. Marks : 60)
[B]
BACK
1.5
0.5
1
Sec.
details
58.22
[i] Nature of Commitment

2
Revolving
0.5
[ii] Credit Quality of the Borrower [Max. Marks : 5]

Company's Marks under Borrower Rating
75
APPRAISER
<= 5 Years
Economic
Supply Pa
loan defa
price bec
be valued
complex.
Capital ca
relevant r
such a s
backgrou
BACK
RISK DRIVERS FOR EAD
[iii] Tenor of Facility [Mam. Marks : 3]

Tenor of Facility
Once a de
debt], the
such reas
time of ea
the quality
likelihood
borrowing
assessme
[vi] Macroeconomic Conditions [Max. Marks : 5]

[a] GDP Growth Rate : Impact of Business Cycle [Max. Marks : 2]
[ii]
Small GDP Growth rate over last 3 years. Mild recessionary phase. A few
cases of defaults. Moderate recovery reported.
[b] Insolvency Legislation in the Jurisdiction [Max. Marks : 1]
[ii]
Position Neutral. No significant assistance in recovery.
BACK
Leverage
Borrowing
senor sta
therefrom
before dis
therefrom
backgrou
BACK
ASSESSOR
The scori
Borrower
it is away
gradual a
any unexp
the Defau
angle.
COUNTRY RISK & BANK EXPOSURE : RISK CATEGORY-WISE LIST OF COUNTRIES AS ON :

[Foreign Department Circular No.
IBG/FD/FD-CRBE/153 / 2007-08 09.01.2008
SL.NO.
RISK CATEGORY
LIST OF COUNTRIES
1
"Insignificant Risk"
2
"LOW RISK"
"MEDIUM RISK"
4
Medium Risk, but under
Caution"
"High Risk, but Not under

Caution"
Austria
Denmark
Iireland
Sweden
Isle of Man
Australia
Finland
Luxembourg
Switzerland
Jersey (CI)
Belgium
France
Netherlands
United Kingdom
Virgin Islands
Canada
Germany
Norway
Cayman Islands
United States
Bermuda
Italy
Portugal
Spain
Greece
Japan
Qatar
Taiwan
Hong Kong
Malta
Singapore
United Arab
Emirates
Iceland
New Zealand
Slovenia
Bahamas
Brunei
Czech Republic
Korea, Republic of
(South Korea)
Maccau
Oman
South Africa
Bahrain
Chile
Estonia
Kuwait
Barbados
China
Hungary
Latvia
Botswana
Cyprus
Israel
Lithuania
Malaysia
Poland
Tobago
Mauritius
Saudi Arabia
Trinidad
Mexico
Slovakia
Tunisia
Antigua
Colombia
Kazakhastan
Russia
Barbuda
Costa Rica
Morocco
Thailand
Brazil
Croatia
Panama
Turkey
Bulgaria
Egypt
Romania
Armenia
El Salvador
Azerbaijan
Equatorial Guinea
Fiji
Indonesia
Lesotho
Pakistan
Senegal
Ukraine
Argentina
Dominican
Republic
Ghana
Iran
Macedonia
Peru
Serbia
Uruguay
Grenadines
Jamaica
New Caledonia
Philippines
St. Lucia
Venezuela
Guatemala
Jordan
Nigeria
Samoa
St. Vincent
Vietnam
Bhutan
Sri Lanka
Albania
Benin
Angola
Bolivia
Belize
Cameroon
Cape Verde
Georgia
Djibouti
Grenada
Bangladesh
Bosnia
Herzegovina
Ecuador
Guyana
Maldieves
Algeria
Dominica
"High Risk & under Caution"
"Very High Risk, but Not

under Caution"
"Very High Risk & Under

Caution"
30.09.2007
Gabon
Honduras
"Very High Risk & Under

Caution"
Kenya
Mongolia
Nicaragua
Suriname
Turkmenistan
Yemen
Afghanistan
Cambodia
Congo
"Off Credit / Restricted &

Under Caution"
Kiribati
Montenegro
Papua New
Guinea
Swaziland
Uganda
Zambia
Lebanon
Mozambique
Paraguay
Libya
Namibia
Seychelles
Syria
Uzbekistan
Tanzania
Vanuatu
Belarus
Central African
Republic
Cote d'lvoire
Burundi
Chad
Burkina Faso
Comoros
Cuba
Dem. Republic of
Congo
Gambia
Iraq
Liberia
East Timor
Guinea
Korea, North
Eritrea
Ethiopia
Guinea-Bissau
Haiti
Kyrgyzstan
Laos
(Kyrgyz Republic)
Madagascar
Mauritania
Mali
Moldova
Marshall Islands
Myanmar
Nepal
Malawi
Micronesia
(Fed.States)
Niger
Rwanda
Sierra Leone
Tajikistan
Solomon Islands
Togo
Somalia
Tonga
Sao Tome &

Principe
Sudan
Zimbabwe
CHANGE IN BORROWER RATING IF CASH FLOW OR ASSETS (%) OUTSIDE INDIA ARE
25% TO 50%
ABOVE 50%
NIL
NIL
NIL
NIL
NIL
Down by 1 stage
Down by 1 stage
Down by 2 stages
Down by 2 stages
Down by 3 stages
Best possible
rating SB-11
Best possible
rating SB-12
Best possible
rating SB-12
Best possible
rating SB-13
Best possible
rating SB-12
Best possible
rating SB-13
Best possible
rating SB-12
Best possible
rating SB-13
Best possible
rating SB-14
Best possible
rating SB-15

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WELCOME

lysists to save their

we are permitted only

o you but also to our

Profit after Tax[PAT] as per P&L

Choose CRA Category

CRA to be assessed for the year

EXISTING UNIT - WC ONLY

Tenor of proposed Term Loan

Level of Cash Flows [CF] or Assets located outside India.

Whether the Company has any Associate / Sister / Group Concerns ?

Whether commercial production has commenced ?

FACILITIES [Existing & Proposed]

Out of the above share of our Bank

Out of the above share of our Bank

Total Security - [Primary + Collateral]

St. & Rec.

1st Charge 2nd Charge

DISTRIBUTION OF SECURITY [Primary

DISTRIBUTION OF SECURITY [Primary

St. & Rec.

07.[b] State Government Guarantee (SGG)

ON OF SECURITY [Primary + Collateral]

ON OF SECURITY [Primary + Collateral]

ASSESSMENT OF WORKING CAPITAL REQUIREMENTS

ii] Other spares

iii] Power & fuel

iv] Direct labour[Factory wages]

v] Other mfg. Expenses

2. Less Excise Duty

vii] SUB-TOTAL [i to vi]

FORM II : OPERATING STATEMENT

xi] Add: Op.Stock of F.G.

xiii] Sub-Total [Total cost of sales]

6. Selling, Genl.& Admn.Expenses

8. Op.Profit before Interest [3-7]

10. Op.profit after Interest [8-9]

12. Profit before tax/loss

14. Net Profit/loss [12-13]

15. [a] Equity dividend paid-amt

16. Retained Profit [14-15]

ix] Deduct: Cl. stocks-in-process

11. [i] Add other non-op.income

17. Retained Profit/Net Profit[%]

Name: VISHWABHARATI ACADEMY

As per Balance Sheet as at:

[ii] From other Banks

9. Other Current Liabilities &

[total of 1 to 9 excld 1 [iii]]

ANALYSIS OF BALANCE SHEET

16. Other term liabilities

17. TOTAL TERM LIABILITIES

18. TOTAL OUTSIDE LIABILITIES

14. Deferred Payment Credits

[Item 10 plus item 17]

21. Revaluation Reserve

22. Other reserves [excluding

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

ANALYSIS OF BALANCE SHEET

FORM III [contd]

Name: VISHWABHARATI ACADEMY

As per Balance Sheet as at:

[ii] Stocks in process

[iii] Finished goods