COST OF THE PROJECT

S.NO:

PARTICULARS

AMOUNT

1 LAND (2.4 ACRES)

6.00

2 MACHINERY

86.00

3 PRELIMINARY AND PRE-OPERATIVE EXPENSES

4 BUILDING

4.00
110.00

206.00
MEANS OF FINANCE
S.NO:

PARTICULARS

AMOUNT

1 PROMOTER'S CONTRIBUTION
2 TERM LOAN- CANARA BANK
3 WORKING CAPITAL - CANARA BANK

TOTAL

56.00
100.00
50.00

206.00

PROJECT PARAMETERS
S.NO:

PARTICULARS

AMT/%

1 PROMOTERS' CONTRIBUTION

0.27

2 DEBT EQUITY(PROJECT)

0.73

REPAYMENT
CC LOAN
TERM LOAN

RATE OF INTEREST
TL
CC

MONTHLY INTEREST
2010- JAN

14%
13.25%

Particulars

Cotton Ginning Factory

PROJECTED PROFITABILITY STATEMENT
1ST YEAR 2nd YEAR 3rd YEAR 4th YEAR
2009-10
2010-11
2011-12
2012-13

5th YEAR
2013-14

6th YEAR
2014-15

7th YEAR
2015-16

Installed Capacity (Qtls)

42000

42000

42000

42000

42000

42000

42000

Production per year (Qtls)

29000

31400

33310

35650

36300

37750

38500

69

75

79

85

86

90

92

60648000 73055850
19627920 23029272

80736831
25529799

89273347
29182485

3869775
5715920
952811

4664454
7175571
1044088

Operating Capacity (Percentage)

INCOME
A
Sales
Lint
Seeds
Closing Stock
Kappas
Lint
Seeds
Total of A
B
Opening Stock
Kappas
Lint
Seeds
Purchases
Kappas
Labour Charges
Hamali
Power Charges

2600000
3135907
483929

3003000
4587407
659983

95411073 103646352 109937973

31058320 33771132 36372590

5529066
8360920
1202795

6633947
9196884
1453345

6963697
10092358
1613155

86495757 104335512 116805136 131339945 141562174 154701659 164979773

2600000
3135907
483929

78000000 85995000
800000
500000
400000

840000
525000
420000

3003000
4587407
659983

3869775
5715920
952811

4664454
7175571
1044088

5529066
8360920
1202795

6633947
9196884
1453345

96199740 107884301 115320518 126044986 134051174

882000
551250
441000

926100
578813
463050

972405
607753
486203

1021025
638141
510513

1072077
670048
536038

Total of B

79700000 93999837 106324380 120390770 130270991 143307445 153613512

Gross Profit ( A-B )

6795757 10335675

10480757

10949175

11291182

11394214

11366262

Total of C
D
Indirect Expenditure
Administrative Expenses
Electricle & Factory Maintenance
Machinery Maintenance
Fees & Reg Charges
Transportation
Diesel For DG
Insurance
Insurance for Staff
Miscellaneous
Postage
Printing & Stationery
Professional Tax
Audit & Other Fee
Salary
Telephone Charges
Interest on Term Loan
Interest on CC loan
Depreciation

6795757 10335675

10480757

10949175

11291182

11394214

11366262

461250
76875
153750
20500
871250
30750
102500
35875
30750
5125
10250
2500
20500
307500
51250
1258334
762500
1077642

472781
78797
157594
21013
893031
31519
105063
36772
31519
5253
10506
2500
21013
315188
52531
1058335
762500
915996

484601
80767
161534
21538
915357
32307
107689
37691
32307
5384
10769
2500
21538
323067
53845
858336
762500
778597

496716
82786
165572
22076
938241
33114
110381
38633
33114
5519
11038
2500
22076
331144
55191
658337
762500
661807

509134
84856
169711
22628
961697
33942
113141
39599
33942
5657
11314
2500
22628
339422
56570
458338
762500
562536

521862
86977
173954
23194
985739
34791
115969
40589
34791
5798
11597
2500
23194
347908
57985
258339
762500
478156

Total of D

6795757 10335675

10480757

10949175

11291182

11394214

11366262

Net Profit (C-D) Before Tax

Provision For Income Tax

1242109
413995

5056574
1685356

5508847
1836099

6258849
2086074

6860435
2286583

7204097
2401126

7400418
2466559

828114

3371218

3672748

4172775

4573852

4802971

4933859

Profit after Tax

450000
75000
150000
20000
850000
30000
100000
35000
30000
5000
10000
2500
20000
300000
50000
1395833
762500
1267815

COTTON GINNING FACTORY

Projected Balance Sheet
Liabilities

1ST YEAR
2009-10

Capital
Bank Loan TL
Bank Loan CC
Sundry Creditors
Other Liabilities
Total
Assets
Fixed Assets
Investments
Current Assets
Cash in Hand
Cash at Bank
Closing Stock
Kappas
Lint
Seeds
Sundry Debtors
Other Current Assets
Income Tax Advance
Deposits
Loans & Advances
Total

2nd YEAR
2010-11

3rd YEAR
2011-12

4th YEAR
2012-13

5th YEAR
2013-14

6th YEAR
2014-15

7th YEAR
2015-16

2,963,746.00
9,642,859
5,000,000
6,500,000
500,000

7,726,482
8,214,295
5,000,000
7,166,250
700,000

10,900,203
6,785,731
5,000,000
8,016,645
900,000

14,495,689
5,357,167
5,000,000
8,990,358
1,100,000

17,853,632
3,928,603
5,000,000
9,610,043
1,300,000

21,300,403
2,500,039
5,000,000
10,503,749
1,500,000

23,945,733
1,071,475
5,000,000
11,170,931
1,700,000

24,606,605

28,807,027

31,602,579

34,943,214

37,692,278

40,804,191

42,888,139

7,784,283

6,706,641

5,790,645

5,012,048

4,350,241

3,787,705

3,309,549

25,000
30,000

25,000
30,000

25,000
30,000

25,000
30,000

25,000
30,000

25,000
30,000

25,000
30,000

2,600,000
3,135,907
483,929
10,034,490

3,003,000
4,587,407
659,983
12,010,640

3,869,775
5,715,920
952,811
13,283,329

4,664,454
7,175,571
1,044,088
14,806,979

5,529,066
8,360,920
1,202,795
15,808,674

6,633,947
9,196,884
1,453,345
17,177,185

6,963,697
10,092,358
1,613,155
18,288,820

413,995
99,000

1,685,356
99,000

1,836,099
99,000

2,086,074
99,000

2,286,583
99,000

2,401,126
99,000

2,466,559
99,000

24,606,605

28,807,027

31,602,579

34,943,214

37,692,279

40,804,191

42,888,139

Valuation of closing stock

Kappas
Op.Stock
Add:Purchases

Qty

Less :Closing Stock

Raw Materials Consumed
Add :Direct Expenses
Power
Hamali
Labour
Cost of Production
Consumption T\F to Lint
Consumption T\F to Seeds

2012-13
Rate
1350
35850
1550
35650

Lint
Op.Stock
Add: T/F from Kappas
Less: Sales
Closing Stock

Qty

Seeds
Op.Stock
Add: T/F from Kappas
Less: Sales
Closing Stock

Qty

35650
11764.5
23386.4
2012-13
Rate
750
11764.5
11615
900

Total
2866.5
3009.33

3869775
107884301.3

3009.33

4664453.75
107089622.5

Qty

463,050.00
578,812.50
926,100.00
109057585

7621.23
7686
7972.86

Total
Qty
5715920.422
89273347.34
7175570.612

2012-13
Rate
Total
Qty
1550
614.72
952811.0992
23386.4
23336
1250.535
29182484.76
1600
652.56
1044088.38

2013-2014
2014-2015
2015-2016
Rate
Total
Qty
Rate
Total
Qty
Rate
Total
1550 3009.33
4664453.75
1750 3159.466 5529065.938
2000 3316.973 6633946.625
36500 3159.466 115320518.1
38000 3316.973 126044985.9
38500 3481.849 134051173.6
1750 3159.466
36300

5529065.938
114455905.9
486,202.50
607,752.63
972,405.00
116522266.1

2000 3316.973
37750

6633946.625
124940105.2
510,510.13
638,137.63
1,021,020.25
127109773.2

2000 3481.849
38500

6963697.331
133721422.9
536,035.51
638100
1,072,051.01
135967609.4

36300
37750
38500
11979
12457.5
12705
23812.8
24764
25256
2013-2014
2014-2015
2015-2016
Rate
Total
Qty
Rate
Total
Qty
Rate
Total
900 7972.86 7175570.612
1000 8360.92 8360920.047
1050 8758.94 9196883.738
11979
12457.5
12705
11879 8031.911 95411072.51
12408 8353.188 103646351.7
12655 8687.315 109937972.5
1000 8360.92 8360920.047
1050 8758.94
9196883.74
1100 9174.87
10092358
2013-2014
2014-2015
2015-2016
Rate
Total
Qty
Rate
Total
Qty
Rate
Total
1600
652.56
1044088.38
1750
687.31
1202794.65
2000
726.67
1453344.92
23812.8
24764
25256
23663 1312.527 31058320.49
24514 1377.626 33771132.04
25156 1445.881 36372590.41
1750
687.31 1202794.649
2000
726.67
1453344.92
2100
768.17
1613154.76

Quantitative Statement
Year
Particulars Qtls
Particulars
Qtls
2009-2010 Kappas
Lint
OP. Stock
Nil
OP. Stock
Nil
Purchases
30000 Purchases
Nil
Total
30000 From Ginning
9570
Less: CL
1000 Sales
9120
Ginning
29000 Cl. Stock
450

Particulars
Qtls
Seeds
OP. Stock
Nil
Purchases
Nil
From Ginning
19024
Sales
18174
Cl. Stock
850

2010-2011 Kappas
OP. Stock
Purchases
Total
Less: CL
Ginning

1000
31500
32500
1100
31400

Lint
Seeds
OP. Stock
450 OP. Stock
850
Purchases
Nil
Purchases
Nil
From Ginning
10362 From Ginning
20598
Sales
10182 Sales
20308
Cl. Stock
630 Cl. Stock
1140

2011-2012 Kappas
OP. Stock
Purchases
Total
Less: CL
Ginning

1100
33560
34660
1350
33310

Lint
Seeds
OP. Stock
630 OP. Stock
1140
Purchases
Nil
Purchases
Nil
From Ginning
10992 From Ginning
21851
Sales
10872 Sales
21441
Cl. Stock
750 Cl. Stock
1550

2012-2013 Kappas
OP. Stock
Purchases
Total
Less: CL
Ginning

1350
35850
37200
1550
35650

Lint
Seeds
OP. Stock
750 OP. Stock
1550
Purchases
Nil
Purchases
Nil
From Ginning
11765 From Ginning
23386
Sales
11615 Sales
23336
Cl. Stock
900 Cl. Stock
1600

2013-2014 Kappas
OP. Stock
Purchases
Total
Less: CL
Ginning

1550
36500
38050
1750
36300

Lint
Seeds
OP. Stock
900 OP. Stock
1600
Purchases
Nil
Purchases
Nil
From Ginning
11979 From Ginning
23813
Sales
11879 Sales
23663
Cl. Stock
1000 Cl. Stock
1750

2014-2015 Kappas
OP. Stock
Purchases
Total
Less: CL
Ginning

1750
38000
39750
2000
37750

Lint
Seeds
OP. Stock
1000 OP. Stock
1750
Purchases
Nil
Purchases
Nil
From Ginning
12458 From Ginning
24764
Sales
12408 Sales
24514
Cl. Stock
1050 Cl. Stock
2000

2015-2016 Kappas
OP. Stock
Purchases
Total
Less: CL
Ginning

2000
38500
40500
2000
38500

Lint
Seeds
OP. Stock
1050 OP. Stock
2000
Purchases
Nil
Purchases
Nil
From Ginning
12705 From Ginning
25256
Sales
12655 Sales
25156
Cl. Stock
1100 Cl. Stock
2100

DSCR CALCULATION
PARTICULARS

2009-10

Profit After Tax

2010-2011

2011-2012

2012-2013

2013-2014

2014-2015

2015-2016

828,114

3,371,218

3,672,748

4,172,775

4,573,852

4,802,971

4,933,859

Add: Depreciation

1,267,815

1,077,642

915,996

778,597

661,807

562,536

478,156

Interest on Term Loan

1,395,833

1,258,334

1,058,335

858,336

658,337

458,338

258,339

3,491,762

5,707,194

5,647,080

5,809,708

5,893,997

5,823,846

5,670,354

357,141

1,428,564

1,428,564

1,428,564

1,428,564

1,428,564

1,428,564

1,395,833

1,258,334

1,058,335

858,336

658,337

458,338

258,339

1,752,974

2,686,898

2,486,899

2,286,900

2,086,901

1,886,902

1,686,903

Funds from Operations

Repayment of TermLoan
Interest on Term Loans

Total Debt obligation

Yearwise DSCR (in times)
AVERAGE DSCR :-

1.99

2.12

2.27

2.54
2.60

2.82

3.09

3.36

COTTON GINNING FACTORY

DEPRECIATION SCHEDULE
YEAR

PARTICULARS

2009-10

Bajaj Auto Feeder

2229029

15%

334,354

1,894,675

Electrick Motors

206,755

15%

31,013

175,742

Electrick Weigh Bridge

1,016,873

15%

152,531

864,342

Cotton Balling Press

2,000,000

15%

300,000

1,700,000

Ginning Kanwar

310,000

15%

46,500

263,500

Kirloskar DG Sets 160 KVA

925,557

15%

138,834

786,723

1,763,884

15%

264,583

1,499,301

Equipments

OPENING WDV

Land

600,000

Total

9,052,098

YEAR

PARTICULARS

2010-11

Bajaj Auto Feeder

OPENING WDV

RATE

DEPRECIATION

CLOSING WDV

600,000
1,267,815

RATE

DEPRECIATION

7,784,283

CLOSING WDV

1,894,675

15%

284,201

1,610,473

Electrick Motors

175,742

15%

26,361

149,380

Electrick Weigh Bridge

864,342

15%

129,651

734,691

1,700,000

15%

255,000

1,445,000

Ginning Kanwar

263,500

15%

39,525

223,975

Kirloskar DG Sets 160 KVA

786,723

15%

118,009

668,715

1,499,301

15%

224,895

1,274,406

Cotton Balling Press

Equipments
Land

600,000

Total

7,784,283

600,000
1,077,642

6,706,641

YEAR

PARTICULARS

2011-12

Bajaj Auto Feeder

OPENING WDV

RATE

DEPRECIATION

CLOSING WDV

1,610,473

15%

241,571

1,368,902

Electrick Motors

149,380

15%

22,407

126,973

Electrick Weigh Bridge

734,691

15%

110,204

624,487

1,445,000

15%

216,750

1,228,250

Ginning Kanwar

223,975

15%

33,596

190,379

Kirloskar DG Sets 160 KVA

668,715

15%

100,307

568,408

1,274,406

15%

191,161

1,083,245

Cotton Balling Press

Equipments
Land

600,000

Total

6,706,641

YEAR

PARTICULARS

2012-13

Bajaj Auto Feeder

OPENING WDV

600,000
915,996

RATE

DEPRECIATION

5,790,645

CLOSING WDV

1,368,902

15%

205,335

1,163,567

Electrick Motors

126,973

15%

19,046

107,927

Electrick Weigh Bridge

624,487

15%

93,673

530,814

1,228,250

15%

184,238

1,044,013

Ginning Kanwar

190,379

15%

28,557

161,822

Kirloskar DG Sets 160 KVA

568,408

15%

85,261

483,147

1,083,245

15%

162,487

920,758

Cotton Balling Press

Equipments
Land

600,000

600,000

Total

5,790,645

778,597

5,012,048

YEAR

PARTICULARS

2013-14

Bajaj Auto Feeder

OPENING WDV

RATE

DEPRECIATION

CLOSING WDV

1,163,567

15%

174,535

989,032

Electrick Motors

107,927

15%

16,189

91,738

Electrick Weigh Bridge

530,814

15%

79,622

451,192

1,044,013

15%

156,602

887,411

Ginning Kanwar

161,822

15%

24,273

137,549

Kirloskar DG Sets 160 KVA

483,147

15%

72,472

410,675

Equipments

920,758

15%

138,114

782,645

Land

600,000

Total

5,012,048

Cotton Balling Press

YEAR

PARTICULARS

2014-15

Bajaj Auto Feeder

OPENING WDV

600,000
661,807

RATE

DEPRECIATION

4,350,241

CLOSING WDV

989,032

15%

148,355

840,677

91,738

15%

13,761

77,978

Electrick Weigh Bridge

451,192

15%

67,679

383,513

Cotton Balling Press

887,411

15%

133,112

754,299

Ginning Kanwar

137,549

15%

20,632

116,916

Kirloskar DG Sets 160 KVA

410,675

15%

61,601

349,073

Equipments

782,645

15%

117,397

665,248

Land
Total

600,000

562,536

600,000
3,787,705

Electrick Motors

4,350,241

YEAR

PARTICULARS

2015-16

Bajaj Auto Feeder

OPENING WDV

RATE

DEPRECIATION

CLOSING WDV

840,677

15%

126,102

714,576

77,978

15%

11,697

66,281

Electrick Weigh Bridge

383,513

15%

57,527

325,986

Cotton Balling Press

754,299

15%

113,145

641,154

Ginning Kanwar

116,916

15%

17,537

99,379

Kirloskar DG Sets 160 KVA

349,073

15%

52,361

296,712

Equipments

665,248

15%

99,787

565,461

Land
Total

600,000

478,156

600,000
3,309,549

Electrick Motors

3,787,705

COTTON GINNING FACTORY

TERM LOAN REPAYMENT SCHEDULE
1st YEAR
Rate of Interest
Months

Opening

Principle

14.00%
Interest

Installment

10,000,000.00

116,666.67

116,666.67

10,000,000.00

116,666.67

116,666.67

10,000,000.00

116,666.67

116,666.67

10,000,000.00

116,666.67

116,666.67

10,000,000.00

116,666.67

116,666.67

10,000,000.00

116,666.67

116,666.67

10,000,000.00

116,666.67

116,666.67

10,000,000.00

116,666.67

116,666.67

10,000,000.00

116,666.67

116,666.67

10

10,000,000.00

119,047.00

116,666.67

235,713.67

11

9,880,953.00

119,047.00

115,277.79

234,324.79

12

9,761,906.00

119,047.00

113,888.90

232,935.90

TOTAL

357,141.00

1,395,833.36

1,752,974.36

2nd YEAR
Rate of Interest
Months

Opening

Principle

14.00%
Interest

Installment

13

9,642,859.00

119,047.00

112,500.02

231,547.02

14

9,523,812.00

119,047.00

111,111.14

230,158.14

15

9,404,765.00

119,047.00

109,722.26

228,769.26

16

9,285,718.00

119,047.00

108,333.38

227,380.38

17

9,166,671.00

119,047.00

106,944.50

225,991.50

18

9,047,624.00

119,047.00

105,555.61

224,602.61

19

8,928,577.00

119,047.00

104,166.73

223,213.73

20
21

8,809,530.00
8,690,483.00

119,047.00
119,047.00

102,777.85
101,388.97

221,824.85
220,435.97

22
23
24

8,571,436.00
8,452,389.00
8,333,342.00

119,047.00
119,047.00
119,047.00

100,000.09
98,611.21
97,222.32

219,047.09
217,658.21
216,269.32

TOTAL

1,428,564.00

1,258,334.07

2,686,898.07

3rd YEAR
Rate of Interest

14.00%

Months
25
26
27

Opening
8,214,295.00
8,095,248.00
7,976,201.00

Principle
119,047.00
119,047.00
119,047.00

Interest
95,833.44
94,444.56
93,055.68

Installment
214,880.44
213,491.56
212,102.68

28

7,857,154.00

119,047.00

91,666.80

210,713.80

29

7,738,107.00

119,047.00

90,277.92

209,324.92

30

7,619,060.00

119,047.00

88,889.03

207,936.03

31

7,500,013.00

119,047.00

87,500.15

206,547.15

32

7,380,966.00

119,047.00

86,111.27

205,158.27

33

7,261,919.00

119,047.00

84,722.39

203,769.39

34

7,142,872.00

119,047.00

83,333.51

202,380.51

35

7,023,825.00

119,047.00

81,944.63

200,991.63

36

6,904,778.00

119,047.00

80,555.74

199,602.74

TOTAL

1,428,564.00

1,058,335.11

2,486,899.11

4th YEAR
Rate of Interest

14.00%

Months
37
38
39

Opening
6,785,731.00
6,666,684.00
6,547,637.00

Principle
119,047.00
119,047.00
119,047.00

Interest
79,166.86
77,777.98
76,389.10

Installment
198,213.86
196,824.98
195,436.10

40

6,428,590.00

119,047.00

75,000.22

194,047.22

41

6,309,543.00

119,047.00

73,611.34

192,658.34

42

6,190,496.00

119,047.00

72,222.45

191,269.45

43

6,071,449.00

119,047.00

70,833.57

189,880.57

44

5,952,402.00

119,047.00

69,444.69

188,491.69

45

5,833,355.00

119,047.00

68,055.81

187,102.81

46

5,714,308.00

119,047.00

66,666.93

185,713.93

47

5,595,261.00

119,047.00

65,278.05

184,325.05

48

5,476,214.00

119,047.00

63,889.16

182,936.16

TOTAL

1,428,564.00

858,336.15

2,286,900.15

5th YEAR
Rate of Interest
Months

Opening

Principle

14.00%
Interest

Installment

49

5,357,167.00

119,047.00

62,500.28

181,547.28

50

5,238,120.00

119,047.00

61,111.40

180,158.40

51

5,119,073.00

119,047.00

59,722.52

178,769.52

52

5,000,026.00

119,047.00

58,333.64

177,380.64

53

4,880,979.00

119,047.00

56,944.76

175,991.76

54

4,761,932.00

119,047.00

55,555.87

174,602.87

55

4,642,885.00

119,047.00

54,166.99

173,213.99

56

4,523,838.00

119,047.00

52,778.11

171,825.11

57

4,404,791.00

119,047.00

51,389.23

170,436.23

58

4,285,744.00

119,047.00

50,000.35

169,047.35

59

4,166,697.00

119,047.00

48,611.47

167,658.47

60

4,047,650.00

119,047.00

47,222.58

166,269.58

TOTAL

1,428,564.00

658,337.19

2,086,901.19

6th YEAR
Rate of Interest
Months

Opening

Principle

14.00%
Interest

Installment

61

3,928,603.00

119,047.00

45,833.70

164,880.70

62

3,809,556.00

119,047.00

44,444.82

163,491.82

63

3,690,509.00

119,047.00

43,055.94

162,102.94

64

3,571,462.00

119,047.00

41,667.06

160,714.06

65

3,452,415.00

119,047.00

40,278.18

159,325.18

66

3,333,368.00

119,047.00

38,889.29

157,936.29

67

3,214,321.00

119,047.00

37,500.41

156,547.41

68

3,095,274.00

119,047.00

36,111.53

155,158.53

69

2,976,227.00

119,047.00

34,722.65

153,769.65

70

2,857,180.00

119,047.00

33,333.77

152,380.77

71

2,738,133.00

119,047.00

31,944.89

150,991.89

72

2,619,086.00

119,047.00

30,556.00

149,603.00

TOTAL

1,428,564.00

458,338.23

1,886,902.23

7th YEAR
Rate of Interest
Months

Opening

Principle

14.00%
Interest

Installment

73

2,500,039.00

119,047.00

29,167.12

148,214.12

74

2,380,992.00

119,047.00

27,778.24

146,825.24

75

2,261,945.00

119,047.00

26,389.36

145,436.36

76

2,142,898.00

119,047.00

25,000.48

144,047.48

77

2,023,851.00

119,047.00

23,611.60

142,658.60

78

1,904,804.00

119,047.00

22,222.71

141,269.71

79

1,785,757.00

119,047.00

20,833.83

139,880.83

80

1,666,710.00

119,047.00

19,444.95

138,491.95

81

1,547,663.00

119,047.00

18,056.07

137,103.07

82

1,428,616.00

119,047.00

16,667.19

135,714.19

83

1,309,569.00

119,047.00

15,278.31

134,325.31

84

1,190,522.00

119,047.00

13,889.42

132,936.42

TOTAL

1,428,564.00

258,339.27

1,686,903.27

8th YEAR
Rate of Interest
Months

Opening

Principle

14.00%
Interest

Installment

85

1,071,475.00

119,047.00

12,500.54

131,547.54

86

952,428.00

119,047.00

11,111.66

130,158.66

87

833,381.00

119,047.00

9,722.78

128,769.78

88

714,334.00

119,047.00

8,333.90

127,380.90

89
90
91
92
93

595,287.00
476,240.00
357,193.00
238,146.00
119,099.00

119,047.00
119,047.00
119,047.00
119,047.00
119,099.00

6,945.02
5,556.13
4,167.25
2,778.37
1,389.49

125,992.02
124,603.13
123,214.25
121,825.37
120,488.49

TOTAL

1,071,475.00

62,505.14

1,133,980.14

Balance
10,000,000.00
10,000,000.00
10,000,000.00
10,000,000.00
10,000,000.00
10,000,000.00
10,000,000.00
10,000,000.00
10,000,000.00
9,880,953.00
9,761,906.00
9,642,859.00

Balance
9,523,812.00
9,404,765.00
9,285,718.00
9,166,671.00
9,047,624.00
8,928,577.00
8,809,530.00
8,690,483.00
8,571,436.00
8,452,389.00
8,333,342.00
8,214,295.00

Balance
8,095,248.00
7,976,201.00
7,857,154.00
7,738,107.00
7,619,060.00
7,500,013.00
7,380,966.00
7,261,919.00
7,142,872.00
7,023,825.00
6,904,778.00
6,785,731.00

Balance
6,666,684.00
6,547,637.00
6,428,590.00
6,309,543.00
6,190,496.00
6,071,449.00
5,952,402.00
5,833,355.00
5,714,308.00
5,595,261.00
5,476,214.00
5,357,167.00

Balance
5,238,120.00
5,119,073.00
5,000,026.00
4,880,979.00
4,761,932.00
4,642,885.00
4,523,838.00
4,404,791.00
4,285,744.00
4,166,697.00
4,047,650.00
3,928,603.00

Balance
3,809,556.00
3,690,509.00
3,571,462.00
3,452,415.00
3,333,368.00
3,214,321.00
3,095,274.00
2,976,227.00
2,857,180.00
2,738,133.00
2,619,086.00
2,500,039.00

Balance
2,380,992.00
2,261,945.00
2,142,898.00
2,023,851.00
1,904,804.00

1,785,757.00
1,666,710.00
1,547,663.00
1,428,616.00
1,309,569.00
1,190,522.00
1,071,475.00

Balance
952,428.00
833,381.00
714,334.00
595,287.00
476,240.00
357,193.00
238,146.00
119,099.00
-

COTTON GINNING FACTORY

CALCULATION OF MAXIMUM PERMISSABLE BANK FINANCE
Particulars

2009-10

2010-11

2011-12

2012-13

2013-14

2014-15

2015-16

Amount

Amount

Amount

Amount

Amount

Amount

Amount

Current Assets :Cash and bank balances

55000

55000

55000

55000

55000

55000

55000

10034490

12010640

13283329

14806979

15808674

17177185

18288820

6219837

8250390

10538507

12884113

15092781

17284175

18669210

16309327

20316030

23876835

27746092

30956455

34516361

37013030

Current Liabilities :- 2

7000000

7866250

8916645

10090358

10910043

12003749

12870931

Working Capital Gap 3-- (1-2 )

9309327

12449780

14960190

17655733

20046412

22512612

24142099

25% of CA

4077332

5079007

5969209

6936523

7739114

8629090

9253258

5231995

7370772

8990981

10719210

12307298

13883522

14888842

Receivables
Closing Stock
1Total current Assets

MPBF :- (3-4)