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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

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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.

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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

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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

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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- - -

- - -

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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)

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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

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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

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Name of the Party

Branch


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


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


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


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


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


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


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


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


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


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


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


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

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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

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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!

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58.14-

58.14

-

-

-

#DIV/0!

#DIV/0!

800.00

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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

nivi - musuri (1)

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