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DHOLE PATIL EDUCATION SOCIETYS
INSTITUTE OF BUSINESS MANAGEMENT
DHOLE PATIL ROAD,
PUNE- 411001.
A PROJECT REPORT ON
PROJECT FINANCING IN
SYNERGY FINANCIAL SERVISES
PUNE.
SUBMITTED TO
DPES!IBM
"00#-"00$
PROJECT GUIDE
PROF. MRS. AMEYA NISAL
SUBMITTED BY
MR. HANUMANT HINGE
MPBA- SECOND YEAR
ROLL NO. 0%
1
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DHOLE PATIL EDUCATION SOCITYS
INSTITUTE OF BUSINESS MANAGEMENT
DHOLE PATIL ROAD,
PUNE- 411001.
DATE& -
CERTIFICATE
T'() () *+ *(/ *'* M. H232* D22)'5 H(26, )*372* +/ DPES/IBM
MPBA8 "27 , R+99 2+. 0%, ') +:9*7 '() :+;* 5+< 2*(*97 PROJECT
FINANCING IN SYNERGY FINANCIAL SERVICES, PLANET HOME, M.G.
ROAD, PUNE. ) :*((:*(+2 (2 /39/(992* +/ *' M)* P+6 (2 B3)(2))
A7(2()**(+2. ) : *' )99=3) +/ DPES!IBM. >"00#-"00$?. I /3*' 9(/ *'*@ *'
5+< ') =2 (7 +3* 327 63(72.
P+/. M. A N()9.
>P+;* G3(7?
2
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ACNO$LEDGEMENT
I *P*2? 27 M. U9) R27 >S. C+2)39*2* +/
)26 /(22(9 )()? 27 99 :9+) +/ )26 /(22(9 )() /+ '9:(26
27 63(7 *+ :: *' :+;* :+*.
(*' (2) :9)3, I :)) 7: )2) +/ 6*(*37 27 *'2
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INDE3
5
SR. NO. CHAPTER NAME PAGE N4.
1. E3*( S3
". I2*+73*(+2
. O(5 +/ *' +:2 #
4. O=;*( +/ *' P+;* 11
%. L(**3 1"
. R)' M*'+7+9+6 1
. C) S*37
#. C+293)(+2 $#
$. B(=9(+6:' 1"1
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6
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E3ECUTIVE SUMMARY
T' (2 :3:+) +/ *' :+;* () *+ 327)*27 *' 5'+9 +2:* +/ P+;* /(22(26,
27 (*) *'+7) 27 27) +/ :+;* /(22(26 (2 *' /+ +/ 7(//2* +(**
+27*(+2 27 *'+7).
T+
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INTRODUCTION OF THE PROJECT FINANCING
P+;* /(22(26 ') =+ +2 +/ *' + *((*() +/ =2
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COMPANY PROFILE
SYNERGY FINANCIAL SERVICES IS A REGISTERED PARTNERSHIP FIRM IN
RENDERING CONSULTANCY SERVICES TO CORPORATE IN DIFFERENT FACETS OF
CORPORATE FINANCE. MR. SHRIDHAR SHINDE AND MR. MILIND KULKARNI ARE THE
PARTNERSANDPROMOTERSOFTHISFIRM.
S26 /(22(9 )() +:2 27 (*) P*2) 2;+ 6++7 :3**(+2 (2 =3)(2))
(9 (2 27 +327 P32. T' /( )*27) = (2*6(* 27 +(*2* 27 )*() *+
79+: 3*399 =2/((9 *'(99(26 9*(+2)'(:@ *' :*2) +/ *' /( ' ('
:(2 (2 +:+* =2
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T P%'* B(0' D4)&0' 46 * S+'%1+ F0'&'70&
L4&' S+'907&*04' :
T L+2, +
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S$OT A'&+0
S*%'1*
B+*' :*2) +/ *' /( ' )* :(2 (2 *' /(97 +/ /(22.
T' /( ') )*+26 3)*+ =) 2 +/ 5'(' 5(*' *' /() /+ 9)* 2 ).
F() ' 6++7 +2** 5(*' (2 (273)*.
G++7 :3**(+2 (2 '
F( 7+) 2+* :3* 2 //+*) +2
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$&* 0 * P%4;7* 60'&'70'1?
D/(2(*(+2.
P+;* /(22(26 (2+9) 2+2-+3) /(22(26 +/ *' 79+:2* 27 +2)*3*(+2
+/ :*(39 :+;* (2 5'(' *' 927 9++27 3(* /+ +2 + + ):+2)+(26 /()? /+ *' :3:+)
+/ /(22(26 )(269 :3:+) :(*9 ))*, 3)399 5(*' 9((*7 9(/.
T0 960'0*04' 0101* * 6440'1 6&*(% 46 P%4;7* F0'&'7#
P+;* F(22 (2+9) *(26 9699 (27:272* :+;* +:2 *+ (2)* (2 *'
:+;*@ *' ))*) 27 9(=(9(*() +/ *' :+;* +:2 7+ 2+* :: +2 *' ):+2)+)
=92 )'*. A) )39*, *' :+;* +:2 7+) 2+* ' )) *+ (2*299
62*7 )' /9+5) +/ *' ):+2)+(26 /(. S((99, *' ):+2)+(26 /( 7+) 2+*
' )) *+ *' )' /9+5) +/ *' :+;* +:2. I2 +2*)*, (2 C+:+* F(22,
*' ) (2)*2* () /(227 ) :* +/ *' +:2) ()*(26 =92 )'*.
15
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T' :3:+) /+ P+;* F(22 () *+ (2)* (2 )(269 :3:+) :(*9 ))*, 3)399
9+26-* (99(3(7 ))*. I2 +2*)* *+ +:2, 5'(' = (2)*(26 (2 2
:+;*) )(39*2+3)9, :+;*-/(227 +:2 (2)*) +29 (2 *' :*(39
:+;* /+ 5'(' (* () *7. T' :+;* +:2 () 7())+97 +2 *' :+;* 6*)
+:9*7.
I2 P+;* F(22, *' (2)*2* () /(227 5(*' 2+2-+3) 7=*. S(2 *' P+;*
C+:2 () )*279+2, 9699 (27:272* +:2, *' 7=* () )*3*37 5(*'+3*
+3) *+ *' ):+2)+). A) )39*, 99 *' (2*)* 27 9+2 :2*) + /+ *'
)' /9+5) 62*7 /+ *' :+;*. T'() () (2 +2*)* *+ C+:+* F(22 5' *'
927) 2 9 +2 *' )' /9+5) 27 ))*) +/ *' ):+2)+ +:2 :* /+ *'+) +/
*' :+;* (*)9/.
P+;* +:2() ' '(6' 96 *(+) +:7 *+ :3=9( +:2(). E)*
>"00=? :+(2*) +3* *'* *' 6 :+;* +:2 ') 96 *(+ +/ 0
+:7 *+ .1 /+ )((9 )(7 /() 9()*7 (2 *' C+:+)*7 7*=). T'
;+(* +/ :+;* 7=* +) /+ =2< 9+2). E)* >"00%? )'+5) *'* =2< 9+2)
+:() +327 #0 +/ :+;* 7=*.
I* () *'+7 +/ /(22(26 96 :(*9 (2*2)( :+;*), 5(*' 9+26 6)**(+2
:(+7, 5' *' 927) 9 +2 *' ))*) *7 /+ *' :+;* ) )3(* 27 *' )'
/9+5 62*7 = *' :+;* ) )+3 +/ /327) /+ :(26 *'( 73).
16
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P%0'70
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DISADVANTAGES.
P+;* /(22(26) *9 +:9.
I* *)? + 79+:>)? +/ :+;* /(22(26 () *'
:* *'* +62() 99 +/ *' +*' :*() 27 *:(99 +2*+9), 27 )?, *' /32*9
77(*(+29 3(* (2)*+) (2 *' :+;* +:2. T') 77(*(+29 (2)*+)
(2937 +2 + + +/ *' +*' :+;* :*((:2*).
. C+2)*3*(+2 C+2**+. T' +2)*3*(+2 +2**+ 2*) (2*+ +2** 5(*' *'
:+;* +:2 /+ *' 7)(62, 26(2(26 27 +2)*3*(+2 +/ *' :+;*.
4. O:*+. T' :+;* +:*+ 2*) (2*+ 9+26-* 62* 5(*' *' :+;*
+:2 /+ *' 7-*+-7 +:*(+2 27 (2*22 +/ *' :+;*.
18
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%. F7)*+< S3::9(. T' /7)*+< )3::9(>)? 2*) (2*+ 9+26-* 62*
5(*' *' :+;* +:2 /+ *' )3::9 +/ /7)*+< >(.., 26, 5 *(9) +
+*' )+3)? *+ *' :+;* >.6., /+ :+5 :92*, *' /7)*+< )3::9( 5(99
)3::9 /39@ /+ :: (99, *' /7)*+< )3::9( 5(99 )3::9 5++7 :39:?.
. P+73* O// *
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P+;* )(*.
G+22*9 262*).
S+3 +/ /327).
F7)*+< A62*).
O// *
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A. L69 F(. S:+2)+) +/ :+;*) 7+:* 2 7(//2* 969 /() /+ *' +52)'(:
+/ *' :+;*. T' ):(/( /+ 7+:*7 /+ 2 :*(39 :+;* 5(99 7:27 3:+2
2 /*+), (2937(26&
T' +32* +/ 3(* 3(7 /+ *' :+;*
T' +22 5(*' 262* +/ *' :+;*
T' (9=(9(* +/ * =2/(*) ))+(*7 5(*' *' :+;*
T' 27 *+ 99+* * =2/(*) (2 ):(/( 22 +26 *' :+;* +:2
(2)*+).
T' *' =)( /() /+ +52)'(: +/ :+;* &
1. C+:+*(+2). T'() () *' )(:9)* /+ /+ +52)'(: +/ :+;*. A ):(9
:3:+) +:+*(+2 = /+7 327 *' 95) +/ *' ;3()7(*(+2 (2 5'('
*' :+;* () 9+*7, + (* = /+7 (2 )+ +*' ;3()7(*(+2 27 =
39(/(7 *+ 7+ =3)(2)) (2 *' ;3()7(*(+2 +/ *' :+;*.
". G29 P*2)'(:). T' ):+2)+) /+ 629 :*2)'(:. I2 +)*
;3()7(*(+2), :*2)'(: () +62(7 ) ):* 969 2*(* 27 2 +52,
+:* 27 2* (2*+ /(22(26 262*) /+ :+;* (2 (*) +52 2. A
:*2)'(: () 2+* ):* *=9 2*(*, 27 9*'+36' :*2)'(: () 3(7*+ /(9 * *32) /+ :+*(26 :3:+)), (*) +/ (2+, 6(2, 9+))),
773*(+2) 27 7(*) 99+*7 +26 *' :*2), 5'(' (2937 *'(
99+*7 )' (2 +:3*(26 *'( +52 (27((739 *). C+2)32*9,
:*2)'(: /32*9 5(99 = 3)7 5'2 *' * =2/(*) ))+(*7 5(*' *'
:+;* )(62(/(2*. B3) *' 629 :*2) +/ :*2)'(: )99
9(=9 /+ 99 +/ *' 7=*) 27 9(=(9(*() +/ *' :*2)'(:, ):+2)+ /32*9
5(99 /+ 5'+99 +527, )(269-:3:+) )3=)(7( *+ * ) (*) 629 :*2
(2 :*2)'(:.
. L((*7 P*2)'(:). A 9((*7 :*2)'(: ') )((9 '*()*() *+
629 :*2)'(: :* *'* *' 9((*7 :*2) ' 9((*7 +2*+9 + *'
21
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=3)(2)) +/ *' :*2)'(: 27 9(=9 +29 /+ *' 7=*) 27 9(=(9(*() +/ *'
:*2)'(: *+ *' *2* +/ *'( :(*9 +2*(=3*(+2) (2 *' :*2)'(:. A 9((*7
:*2)'(: = 3)/39 /+ :+;* /(22(26 5'2 *' ):+2)+) 7+ 2+* '
)3=)*2*(9 :(*9 27 *' :+;* 3() 96 +32*) +/ +3*)(7 3(*.
4. L((*7 L(=(9(* C+:2(). T' +)) =*52 +:+*(+2 27
9((*7 :*2)'(:.
B. P+;* C+:2 A62*). D:27(26 +2 *' /+ +/ :+;* +:2 '+)2 /+
:*(39 :+;* /(22(26, *' ):+2)+) 27 +*' 3(* (2)*+) 5(99 2* (2*+
)*+
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A. C+2)*3*(+2 C+2**. S+ +/ *' + (:+*2* *) +/ *'
+2)*3*(+2 +2** &
1. P+;* D)(:*(+2. T' +2)*3*(+2 +2** )'+397 )* /+*'
7*(97 7)(:*(+2 +/ 99 +/ *' 5+< 2)) *+ +:9* *'
:+;*.
". P(. M+)* :+;* /(22(26 +2)*3*(+2 +2**) /(7-:(
+2**) 9*'+36' )+ :+;*) = =3(9* +2 +)*-:93) =)(). I/
*' +2** () 2+* /(7-:(, 77(*(+29 7=* + 3(* +2*(=3*(+2)
= 2)) *+ +:9* *' :+;*, 27 *' :+;* 62*)
)'+397 99 (27(* *' :* + :*() ):+2)(=9 /+ )3'+2*(=3*(+2).
. P2*. P2*) *:(99 7 +2 (9)*+2 + +:9*7
5+
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:+;* 5(99 62* )3//((2* 23) /+ 7=* )(, +:*(26
+)*) 27 *32 +2 3(*. S3' 632*) )37 =
:/+2 *)*) +273*7 = *' +2**+ * *' 27 +/
+2)*3*(+2. I/ *' :+;* 7+) 2+* * *' 632*7 99) +/
:/+2, *' +2**+ *:(99 () 3(7 *+
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D. O:*(+2) 27 M(2*22 A62*. T' :+;* +:2 *:(99
5(99 2* (2*+ 9+26-* 62* /+ *' 7-*+-7 +:*(+2 27
(2*22 +/ *' :+;* /(9(*() 5(*' +:2 '(26 *' *'2(9
27 /(22(9 :*() *+ +:* *' :+;* (2 +72 5(*' *' +)*
27 :+73*(+2 ):(/(*(+2) /+ *' :+;*. T' +:*+ = 2
(27:272* +:2, + (* = +2 +/ *' ):+2)+). T' +:*+
*:(99 5(99 = :(7 /(7 +:2)*(+2 27 = 2*(*97 *+ =+23)
:2*) /+ *+7(2 :+;* :/+2 27 = 3(7 *+ :
9(3(7*7 76) /+ :+;* :/+2 =9+5 ):(/(7 99).
E. M262* A62*.
F. L+2 27 S3(* A62*. T' =++5 (2 :+;* /(22(26*:(99 () *' :+;* +:2 /+7 = *' ):+2)+>)? *+ +52 *'
:+;*. T' 9+2 62* 5(99 )* /+*' *' =)( *) +/ *' 9+2 27
5(99 +2*(2 629 :+()(+2) 9*(26 *+ *3(*, (2*)* * 27 /).
T' *:(9 :+;* /(22(26 9+2 62* 9)+ 5(99 +2*(2 :+()(+2)
)3' ) *')&
1. D()=3)2* C+2*+9). T') /32*9 *
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4. C+:9*(+2 C+22*). T') 3( *' =++5 *+ +:9* *'
:+;* (2 +72 5(*' :+;* :92) 27 ):(/(*(+2) 27 :+'(=(*
*' =++5 /+ *(99 9*(26 *' :+;* :92) 5(*'+3* *'
+2)2* +/ *' 927.
%. D((727 R)*(*(+2). T') +22*) :9 )*(*(+2) +2 *'
:2* +/ 7((727) + +*' 7()*(=3*(+2) = *' =++5 32*(9 7=*
)( +=9(6*(+2) )*()/(7.
. D=* 27 G32* R)*(*(+2). T' =++5 = :+'(=(*7 /+
(23(26 77(*(+29 7=* + /+ 632*(26 +*' +=9(6*(+2).
. F(22(9 C+22*). S3' +22*) 3( *' (2*22 +/
5+
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D(6 +/ T:(9 P+;*-F(227 D9
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HAT ARE THE TYPICAL CHARACTERISTICS OF PROJECTS FINANCING
S+ +/ *' *:(9 '*()*() & -
1. L6 :(*9 +)*)
". L+26 6)**(+2 :(+7)
. A))*) 2+* )(9 *2)/=9
4. S() :+(77 2+* *7=9
%. R23) +29 (2 9+9 32@
. B++5(26 = (2 /+(62 32
. T(//) :+9(*(99 )2)(*(
#. S+(9 ):*) (2+97
$. V392=9 *+ 639*+ :+9(()
10. L((*7 +3) /(22(26 277
'* *' /*3) +/ 9((*7 +3)! 2+2-+3) P+;* /(22(26
S+ +/ *' /*3) /+99+5(26&-
F(22(26 *'+36' S:(9 P3:+) V'(9) >SPV?
S:+2)+ )3::+* +=9(6*(+2 /+ SPV
U) +/ T3)* 27 R*2*(+2
A262* *+ :*3 *' )' F9+5
G+*. 632* = (9=9
P+;* F(22(26 7()(:9(2 (2937) 327)*27(26 *' *(+29 /+ :+;* /(22(26,
'+5 *+ :: *' /(22(9 :92, )))) *' ()
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266 (27:272* :* +2)39*2*) *+ )3::92* (*. T' **) +/ :*(39
/+3) 5(99 = 5'*' *' +)*) +/ *' :+;* ' =2 :+:9 ))))7 27 5'*'
*' )'-/9+5 )*) /+ *' :+;* :+:9 939*7. S+ () )&'&1)'*
R()
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+//-*
T') 629 ()
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:+6). T' +52 )'+397 '< 5(*' *' 9+9 + )** NRCS +//() *+ ) (/
7(6)* :+;* 39(/.
A2+*' :+*2*(9 )+3 +/ /327(26 () )** 26 :+6. A* *' *( +/ :3=9(*(+2,
*' )**3) +/ 25=9 26 9+5-(2*)* 9+2 + 62* :+6) () (2 /93. A6STAR
') (72*(/(7 ::+(*9 0 )**) *'* +// /(22(9 ))()*2 (2 *' /+ +/ 9+5-(2*)* 9+2), :+:* * :*(+2), 27 62*). T+ 92 + =+3* *') )**
:+6) 27 +*' /79 /327(26 +::+*32(*(), (5 *' A6 STAR :3=9(*(+2,
F327(26 O2-F B(+6) R+ S)*), EPA-40-F-04-00", 27 D= "00.
A9)+ A::27( B :+(7) 9()* +/ NRCS 27 D:*2* +/ E26 +2**) *'*
)'+397 = =9 *+ '9: *' +52 +2** *' +* :)+2 (2 '() )**.
T' 72*6 *+ ((26 /327(26 () *' 737 :+;* +)*. T' 7()72*6)
*' *( 27 //+* (* *
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H+5, +)* 927) 9++< * *' ))*) +/ 2 +52 + 79+:, *' *'2 *' )'
/9+5 +/ 7(6)* :+;*. I/ / ') 6++7 7(*, 73* ))*), 27 *' =(9(* *+
: =++57 +2, 927) 5(99 6299 :+(7 7=* /(22(26 /+ 3: *+ #0
:2* +/ /(9(*) (2)*997 +)*.
L27) 6299 :* *' +52 *+ :3* 3: 2 3(* +(*2* +/ =+3* "0(2)*997 3)(26 '()!' +52 +2 27 6 *+ 2 # *+ 1% :2* )'739. A2
3(* +(*2* 7+2)**) *' +52) /(22(9 )*
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*((*. E//((2* 262* +/ 32* ))*), 7*(2(26 *' +:*(3 99 +/
9(3(7(* *+ = (2*(27, 262* +/ 32* 9(=(9(*() *. 99 /+ :* +/
5+
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HEDGING APPROACH
H76(26 A::+'& - U27 *'() ::+', 2 ))* 5+397 = +//)* 5(*' /(22(26
(2)*32* +/ *' ) ::+(* *3(*, (.. )'+*-* + ))+29 (*(+2) (2
32* ))*) 5+397 = /(227 5(*' )'+*-* 7=*. O2 *' +*' '27, '7-+
+:+22* +/ 32* ))*) 5+397 = /(227 5(*' 9+26-* /327).
39
Fig) a
T*oug+s
T*oug+s
S+o*t te*m
Fun,s
!mount -&s. Pe*manent "u**ent !ssets
(ong te*m
Fun,s
Fi/e, !ssets
1 2 3 4 5 6 7 8
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AGGRESSIVE APPROACH
C A11%0= A
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H+5 *' /( )'+397 7(7 5'(' +/ *') ::+') (* )'+397 /+99+5
T' 7()(+2 (*( /+ *' 3) +/ 9+26 * ). )'+*-* /327) /+ /(22(26 32*
))*) & -
1? C+)* +/ /327) =)7 +2 (97, "? /9(=(9(*, ? R()< 27 4? R*32
C+)*& - T' +)* +/ /327) () 9*7 *+ *' * )*3*3 +/ (2*)* *) 27 *' ='(+
+/ (97 3. T' (97 3 () 6299 3:57 )9+::(26, )'+5(26 *'* (2*)* *)
(2) 5(*' *(. L+26 7*7 *3(*() ' 6* (2*)* *'2 )'+* 7*7
*3(*(). H2, (* 2 = )2 *'* )'+*-* 9+2) +)* 9)) *'2 9+26 * /327).
F9(=(9(*& - S'+*-* /327) + /9(=9 =3) (* () 9*(9 ) *+ /327
*' 5'2 *' 27 /+ /327 7((2()'). H2, (/ *' /( :*) (*) 27) /+ /327) *+7((2()' (2 *' 2 /*3, (* '++) )'+*-* 7=* /+ /9(=(9(* (* :+(7).
R()
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B(99 D()+32*(26& - T' +:2, 5'(' )99) 6++7) +2 7(* 5(99 2+99 75 =(99
+2 =3, 5'+ 5(99 :* 27 )27 (* *+ *' )99 +/ 6++7). T' )99 (2 *32 7()+32*)
*' =(99 5(*' '() =2
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DPES Institute of Business Management 2008-09
() +29 +/ '() 3)*+ /(9) *+ : *' =2/(( +/ *' 632*. T'* () 5' =2
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DOCUMENTATIONS
D+32**(+2 () 2 (2*69 :* +/ 927(26 = =2
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B&'> G(&%&'*# -
D/7 :2* 632*.
O2(=3) +32* (272(* >/+ 632* ())37 /+ )3::9 +/ '(2?.
G32* *+ = ())37 *+ 6+22* /+ 73 *+ :/+2 +/ +2**+).
G32* /+ :/+2 +/ +2** = )3::9(.
O2(=3) +32* (272(* >/+ 632* ())37 /+ :/+2 +/ +2**?.
U27*
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DPES Institute of Business Management 2008-09
CREDIT MONITORING ASSESSMENT
RBI, (2 1$%, :)(=7 *' /+* *+ +=*(2 *' 2)) 7* /+ =++5) *+
)))) 5+
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A2 29*(9 ::+' *+ =+*' *') *'+7) +/ 5+
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DPES Institute of Business Management 2008-09
I2 *' / +/ 3:57 :))3 +2 (2*)* *), *' =2< ') CRR? -
*'* 639*) 9(3(7(* (2 *'
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DPES Institute of Business Management 2008-09
=+, (/ *' )+ 7)(. B2
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DPES Institute of Business Management 2008-09
>1? =+. T' 99 +/ (27((739 =2:-)'(:2* 27 :+)*-)'(:2*?. E:+* 7(* 9((* 5+397 +2*(23 *+ = 99+57 (2
*' /+ '(*'*+ 62*7.
#. B(99) 9((* /+ (2927 )9) = /399 7 +3* +/ *' 9+2 +:+22* . B(99) 9((* 9)+ (2937) 9((*) /+ :3') +/ *'(7 :* >+3*)**(+2? '3)!=2< 7/*).
B2
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DPES Institute of Business Management 2008-09
T' 9+2 ))* 5+397 = ::9(=9 *+ =++59 +32*) 9))(/(7 ) )*277 +
)3=-)*277.
T' +)* ++2 3) +/ * 9+2) () /+ =3)(2))). I/ +3 322(26 )99=3)(2)), *' 327+3=*79 6+(26 *+ = *() 5'2 +3 27 )+ 5+
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+3 7/(2(*9 6+(26 *+ = 9((*7.
". P:2*) +/*2 )*(*7. I2 /*, (/ *' 99+57 * 99, ::2*) +/
* 9+2 3)399 '(9 :29(7. T'() () )+*'(26 *'* 2 3) :+=9 (/
+3 3)7 *+ 9+2) *'* 99+5 +3 *+ : +// *' =92 5'2 +3 ' *' +2
(9=9.
. T' () 3)399 :+))(26 /. I2 /*, *'* / 2 = /(9 )3=)*2*(9. (*' +)*
* 9+2), *' / () )99 :2*6 +/ *' *+*9 9+2. S+ (2 77(*(+2 *+ :(26 *'
(2*)* *) 27 =(26 9((*7 = *' /(227 :(, +3 ' *+ : / /+
:+))(26 *' 9+2. G**(26 *' 9+2, *'2, 2 = '7 +2 +3 :(*9 (2 (*)9/
7:27(26 +2 *' )( +/ *' 9+2.
$HO SHOULD CONSIDER A TERM LOAN?
A * 9+2, 9(
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SANCTION PROCESS OF $ORING CAPITAL TERM LOAN#-
56
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57
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59
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60
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61
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. EUITY FINANCING
I2)*+ 3(* /(22(26 () 9 3)7 *'+7 +/ /(22(26 6(39*39 =(+6)
:+;*). P+;* (2)*+) *:(99 :+(7 3(* + )3=+7(2*7 7=*. E3(* ()
(2)*7 :(*9 *'* *) +52)'(: (2 *' :+;*, 9(
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DPES Institute of Business Management 2008-09
C+(** :+*.M+)* =2MPBF?. C+2)32*9, *+*9 32* 9(=(9(*() (293)( +/ =2< =++5(26) +397 2+*
7 % +/ 32* ))*). RBI )*(:39*7 *'* *' 5+939*7? 327 *'() *'+7.
T'(7 M*'+7 +/ L27(26&
U27 *'() *'+7, *' =++5) +2*(=3*(+2 /+ 9+26 * /327) 5(99 = *+ *'
*2* +/ *' 2*( CORE CURRENT ASSETS, 5'(' ') =2 7/(27 = *' S*37
G+3: ) :)2*(26 *' =)+93* (2(3 99 +/ 5 *(9), :+)) )*+
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RESEARCE METHODOLOGY OF PROJECT
! I'*%49(7*04'#-
T' +)* +/ (:+*2* :* 27 (2 )*26*' +/ :+;* +) /+ *' :+)) +/
+99*(26@ 9))(/(*(+2 27 29(26 5+< 5(99 7:27 3:+2 *' *'+7+9+6. I* () (2
5 :+:+)7 :92 +/ *' )*37.
2 O@;7* 46 P%4;7* R
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T+ 327)*27(26 *' :+;* /(22(26 ))* 27 *39(*(+2 (2 :*(9.
S4(%7 46 D&*& C47*04'# -
D* C+99*(+2 () SSI?, 27 96-)9 (273)*, RBI 63(79(2) *. ' =2
)+37 /+ /2 =++
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DPES Institute of Business Management 2008-09
L0)0*&*04' 46 * *(9+#-
T' *(, 9((**(+2 () *' +)* (:+*2* :+=9 *+ +99* *' (+3) (2/+*(+2.
S*37 () 2+* 9*(+2 *+ *' 32*
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NAME PROMOD STEEL ALLOYS PVT. LTD.
NATURE P(* L((*7 C+:2, (2+:+*7 327 T' C+:2()
1$%.D*7 1"*'
):. "00#.
PROPSED ACTIVITY M23/*3 +/ )*9 (26+*).
LOCATION OF -
FACTORY
140, S'( N6, T9- K'7, D()*- P32.
PROMOTERS M. ABC
M. PR
P+:+)7 I2)*997 C:(* 0 MT : 7 !"0400 MT :
T+*9 P+;* C+)* R).#1.$4 L)
BANKING REUIREMENT T L+2- R). %0.00 9) 27 C)' C7(*- R).00.00 9)
REPAYMENT PERIOD T+ = :(7 (2 "4 39 3*9 (2)*992*) +/ R) 14.%# 9) /
+2*') (2(*(9 +*+(3 :(+7. I2*)* *+ = :(7 ) 27 5'2 '6
COLLETRAL SECURITY L27 5(*' =976 * G* N+, 140, S'( N6, T9- K'7, D()*- P
S*27(26 (2 *' 2 +/ M!) P+7 S*9 A99+) P*. L*7. A::+ M
R)."%0 8 00 9)
PRESENT BANKAR B2< +/ M'7
67
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B%06 A@4(* * C4)
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M!). P+7 S*9 A99+) P*. L*7. :+:+)) *+ )* 3: 32(*, :+73(26 )*9 (26+*). T'
:92* 5+397 ' (2)*997 :(* +/ 0 MT : 7 !"0400 MT : . I* () =)7 +2
(273*(+2 9*(26 :+)) /+ :+73(26 :( )*9 :+73*) (.. S*9 I26+*) /+
S*9 I+2 S:.
T' *+*9 +)* +/ :+;* 27 2) +/ /(22 () ) 327&
C4* 46 P%4;7*
>R). I2 L)?
S. N+. P*(39) A+32*
1 L27 4.
" C((9 +< 1$%.4
P92* M'(2 4.11
4 M()992+3) F(7 A))*) "."%
P-+:*( E:2)) ".%
C+2*(262() %.1
T+*9 F(7 C+)* 0.$4
# M6(2 /+ +
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1 O52 C+2*(=3*(+2 "%0.00
" U2)37 L+2 /+ /(9 F(27) 1#1.$4
" T L+2 %0.00
TOTAL #1.$4
D*(9) +/ *' +)* +/ :+;*)&-
C0=0 $4%>#-
T' ((9 5+< (2937 *+ 79+: +/ *' =3(97(26, +2)*3*(+2 +/ *' )(*, 27 +*' ((9
5+
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DPES Institute of Business Management 2008-09
S. N+ A7(2()**(+2
1 C'(/ E3*( 1
" A+32*2* 1
E() A))()*2* 1
4 O//( A))()*2* 1
% C+:3* O:*+ 1
S*+ K: "
P+2 1
71
S. N+ P+73*(+2
01 P+73*(+2 M26 1
0" S3:()+) "
0 M(2*22 I2'6 1
04 E9*((2 "
0% 97) "
0 H9:) 4
0 C+2** L=+3 40
T+*9 %"
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COMPETITOR
STV 99+) P*. L*7., P32
IMP S*9 I273)*() L*7., P32
STD S*9 99+) P*. L*7., B*(, P32
SY S*9 A99+) P*. L*7., V(;:3, P32
MANUFACTURING PROCESS
T' 23/*3(26 :+)) /+ *' M(97 S*9 I26+*) (2+9) 9*(26 +/ (+2 ):) +
):+26 (+2 (2 '(6' *:*3 (273*(+2 /32.
T' 9*( *: /32) 67399 =(26 :97 (2 (2( S*9 P92* =
/32) =)7 +2 (273*(+2 9*(26 :(2(:9), 3((26 9+5 :+5 +2)3:*(+2.
T' C+:2 :+:+)) *+ (9 72*6) +/ 9*)* *'2+9+6 = 7+:*(26 M7(3F32 I273*(+2 M9*(26 F32, 5'(' +2)3) )*(99 9+5 :+5 *'= )(26
+)* +2 26 +2)3:*(+2.
T' ): + ):+26 (+2 ()
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T') F+ M*9) 777 (2 7(//2* :+:+*(+2) /+ 23/*3(26 7(//2* 67)
+/ *' 99+ )*9). A27 /* *' 77(*(+2 +/ *' F+ M*9) 5'2 *' 9(3(7 )) ()
'++62+3) *' *9 () )*7 (*' (2 *' /+ +/ (26+*).
ASSOCIATE ALLIED CONCERN
SHRI SHA STEEL LTD.
A :+:(* +22 +/ M. PR
E2667 (2 T7(26 +/ S*9 C+:+22*).
B2
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C32* A))*) %.#4 11."
T+*9 O3*)(7 L(=(9(*() .0 .$
I'6%&*%(7*(%& F&700*0
P4%
T' C+:2 ') )2*(+27 P+5 +22*(+2 +/ 4$00K 5(*' MAHA.
$&*%
T' P92* 5(99 +2)3 ::+(*9 "0000 9(*) +/ 5* 7(9. T' 5* () )(9
(9=9 (2 *' 27 /+ *'() :3:+), *' C+:2 9)+ ') )*+6 *2
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DPES Institute of Business Management 2008-09
T'() () 599 +22*7 /+ N)'(
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DPES Institute of Business Management 2008-09
I273*(+2 M9*(26 F32) 27 P+73*(+2
T' E9*( I273*(+2 M9*(26 F32) ' =2 /(99(26 *' 6: /+ )*3*39 27
+2)*3*(+29 )*9) =3) *' E9*( A F32) >EAF? )7 *+ :+73 M(97
S*9 27 )5(*'7 + *+ 93 777 :+73*). T' +*' )+3 +/ )3::9 5) /+
M(2 P+73) (2 *' /+ +/ =(99*) /+ /3*' :+))(26 = R-+99(26 M(99). I2 *'9)* *5+ ) *' () (2) (2 :+73*(+2 +/ M(97 S*9 73 '(6' 727. I* (),
'+5, 2+*7 *'* 727 (2 2* +2*') ') :(BIS?. T' S*(29)) S*9), N(M!) B' S'*0'1 &%%&'1)'*
T' I+2 S*9 I273)* (2 I27( ') '7 2 992*
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P%49(7* &'9 0* &
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M. ABC R). 9)
M. PR R). 9)
S$OT ANALYSIS
STRENGTH
T' :++*) (2 *' 9(2 +/ *((* 27 ' 73* :(2 (2 *' 9(2 +/
*((*. T'
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F3*3 +:*(*(+2 /+ 32(*) +/ )((9 2*3 +(26 3: (2 *' .
T
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PLANT
MACHINERY
>R).
(2
9)
?
>
N
+)
.?
>R).(2 9)?
1 ACD 4%00
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0!1".%
T EOT
2
% DFG +2
23=
7)(62,
23/
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7+ .0
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1
1
7+ B+**+
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%4P)
M+397
D+ 0.4% 1
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T+26 T)*,
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1
#
T U TR
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"
CCC :+5
(:+
2*
))*
CC!
-
11"!
FSK
D*7&
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1."
%
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1.$
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1.0
SUB TOTAL 4.11
M() F(7 A))*)
1 F(*3 OM "."% "."%
TOTAL 4#.
STATEMENT- I
STATEMENT OF COST OF PROJECT AND MEANS OF FINANCE
COST OF PROJECT
A+32*
>R). L)?
L27 4.
C((9 1$%.4
85
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P92* M'(2 4.11
M()992+3) F(7 A))*) "."%
P-+:*( E:2)) ".%
C+2*(262() %.1
T+*9 F(7 C+)* 0.$4
M6(2 /+ +R). L)?
P++*)
C+2*(=3*(+2&
E3(* C+2*(=3*(+2 ! I2*29
39)
- P++*) "%0.00
86
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U2)37 L+2) /+ /(27) 27
9*() 1#1.$4
T L+2 %0.00
#1.$4
P++*) +2*(=3*(+2 *+ :+;*
+)* 1.$
D=* E3(* R*(+ 0.#1
ASSESSMENT OF $ORING CAPITAL REUIREMENTS
FORM II #
OPERATING
STATEMENT
NAME OF THE COMPANY& PRAMOD STEEL
ALLOYS PVT. LTD
R). (2 L)
PARTIC
ULARS
PROJEC
TED
PROJEC
TED
PROJEC
TED
PROJEC
TED
PROJEC
TED
PROJECTE
D
"010 "011 "01" "01 "014 "01%
87
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I2)*997
C:(*
>MT? "0400.00 "0400.00 "0400.00 "0400.00 "0400.00 "0400.00
C:(*
U*(9()*(+
2 0.00 %.00 0.00 %.00 #0.00 #%.00
C:(*
U*(9()*(+
2 1""40.00 1"0.00 14"#0.00 1%00.00 1"0.00 140.00
1
GROSS
SALES
>I?
D+)*(
S9) 4%0. %0.%0 %4"4.$1 %#1.1 "01." %$0.1"
>((?
E:+*)
D7
E:+*) 0.00 0.00 0.00 0.00 0.00 0.00
L))
E()
73*
S9) T 1$.0 #04.0 #.04 $"#.04 $$0.0% 10%".0
TOTAL
NET
SALES ##.0 4"".4 4%%#.# 4##%." %"11. %%#.0
" OTHER 0.00 0.00 0.00 0.00 0.00 0.00
88
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INCOME
TOTAL
INCOME ##.0 4"".4 4%%#.# 4##%." %"11. %%#.0
4
A6
R() >?
OR F99
> - ? 11. .1 .1 .# ."
(2 NET
SALES
+:*+
P.Y
%
COST
OF
SALES
>(? R5*(9
+2)37 0".4 "#.%4 %0. #".$ 40%.1" 4"#."
((? A99+)
C+2)3
7 10.10 11.0 1"4.$% 1.## 14".#0 1%1.
(((? S*+) S:) 4.# 0."# %.# #1.0$ #.%0 $1.$0
89
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(? C.I
M+397) "4.00 ".00 "#.00 0.00 ".00 4.00
?
R:()
(2*2
2 .4 #. 10. 10. 10. 10.
(? P+5
27 F39C'6) %1."$ #0.% 40$.#4 4$.11 4#.# 4$.
((?
D(*
9=+3
>F*+
6)
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O*'
23/*
3(26
:). $.4 10.%# 11.40 1"."1 1.0 1.#%
>(((?
D:(*(+2 %4.$ %$.0$ . %.1" #4.$4 $%."#
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S3= -
T+*9 $.10 $#$.# 400.% 411.0 4$".1 %"."
>(?
ADD&
O:2(26
)*+< +/
F(2()'7
G++7) 0.00 1"%.0 1%. 14."0 1%. 1.
S3= T+*9 $.10 4114.$0 44.# 4%.#0 %0#0.# %40.4
>? LESS&
C9+)(26
S*+< +/
F(2()'7
G++7) 1"%.0 1%. 14."0 1%. 1. 1#.00
T+*9C+)* O/
S9) %%4.04 $$." 4"$0.1# 401.04 4$1.01 %""%.4
0.$4 0.$4 0.$4 0.$4 0.$4 0.$4
S99(26
G2.
A7.
E:). 44.## 4$. %4.0 %$.4 %.1 "."#
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S3= T+*9
> I2+
? 0.00 0.00 0.00 0.00 0.00 0.00
>((?LESS&
O*'
N+2-
+:*(26
E:).
. L+))
+2 )9 +/
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=. O*'
:2))
-M()
E:
5(**2
+// .$ .$ .$ .$ .$ 0.00
S3= T+*9
> E:2)
) ? .$ .$ .$ .$ .$ 0.00
>(((? N*
+/ N+2-
+:*(26
I2+ !
:). -.$ -.$ -.$ -.$ -.$ 0.00
> N* +/11>I?
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>((?
1"
P+/(*
B/+* ! L+))
> 1011>((
(? 10." 1"%.% 14.0 11.40 1.44 1$$.$0
1
P+()(+2
F+ T) "." 4.4% 4.4% %".04 0.00 0."1
14
N* P+/(*
! L+))
> 1" - 1 ? #0.01 $1.11 100."% 10$.% 11.44 1"$.$
N.P.!
T32+ ".11 ".1% "."0 "."4 "."% ".4
1%
. E3(*D((727
P(7 0.00 0.00 0.00 0.00 0.00 0.00
=.
D((727
R* 0.00 0.00 0.00 0.00 0.00 0.00
. I.T
+2
7((727 0.00 0.00 0.00 0.00 0.00 0.00
7. T+*9:+3* +2
0.00 0.00 0.00 0.00 0.00 0.00
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7((727
1
R*(27
P+/(*
> 14 - 1% ? #0.01 $1.11 100."% 10$.% 11.44 1"$.$
STATEMENT VII
DEBT SERVICE
COVERAGE RATIO
>R). I2 L)?
DETAILS
"00$-
10
"010-
"011
"011-
"01"
"01"-
"01 "01-"014 "014-1% TOTAL
NET PROFIT #0.01 $1.11 100."% 10$.% 11.44 1"$.$ ".#%
ADD INTEREST 41.1 4.1 ".%4 1#.$ 11.# .$ 1.%0
ADD DEPRECIATION %4.$ %$.0$ . %.1" #4.$4 $%."# 4%.
TOTAL A 1. 1#4. 1$.1" "0.4 "1.% ""#. 1"00.0#
INTEREST 41.1 4.1 ".%4 1#.$ 11.# .$ 1.%0
ADD PRINCIPAL
REPAYMENTS %#. %#. %#. %#. %#. %#. %0.00
TOTAL B 100.04 $".4 #4.## ."$ $.1 ".1 4#.%0
DSCR >A!B? 1. 1.$$ "."# ". .0 .# ".4
95
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AVERAGE DSCR ".%
FORM III #
ANALYSIS OF
BALANCE SHEET
NAME OF THE COMPANY& PRAMOD STEEL ALLOYS PVT. LTD
R). (2 L)
ESTIMA
TED
PROJECTE
D
PROJECT
ED
PROJECTE
D
PROJECT
ED
PROJECT
ED
PROJE
CTED
LIABILITIES M'-0$ M'-10 M'-11 M'-1" M'-1 M'-14
M'-
1%
CURRENT
LIABILITIES
1
S'+* T
B++5(26) F+
B2 I29. B(99)
:3')7
D()+32*7 27
E)) B++5(26)
:97 +2
96
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R:2* =)() ?
I? F+ A::9(2*
B2< 0.00 00.00 00.00 00.00 00.00 00.00 00.00
((? F+ +*' B2 O/ '(' BP
BD ?
S3= - T+*9 > A ? 0.00 00.00 00.00 00.00 00.00 00.00 00.00
"
S'+* T
B++5(26) /+
O*') 0.00 0.00 0.00 0.00 0.00 0.00 0.00
S327 C7(*+) -
RM 0.00 4.$% .% 1.# .$ #".0# #."0
4
A72), P2*)
/+ C3)*+) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
%
P+()(+2 F+
T*(+2 0.00 0.00 0.00 0.00 0.00 0.00 0.00
97
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D((727 P=9 0.00 0.00 0.00 0.00 0.00 0.00 0.00
O*' S**3*+
L(=(9(*()
> D3 5(*'(2 +2
?
#
I2)*92* +/ T
L+2) ! D/7 0.00 0.00 0.00 0.00 0.00 0.00 0.00
:2* 7(*)!
7=2*3)!
7=9
:/2 )')
> D3 5(*'(2 +2
?
$
O*' 32*
L(=(9(*() 27
P+()(+2) 0.00 4."1 4.$4 %.44 %.$ .1 .%
> D3 5(*'(2 +2
?
> S:(/(7 M;+
(*) ):*9 ?
S3= - T+*9 > B ? 0.00 $.1 1.$ .0 #". ##."4 $.
98
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1
0
T+*9 C32*
L(=(9(*() > 1 $ ? 0.00 $.1 1.$ .0 #". ##."4 $.
TERM LIABILITIES
1
1 D=2*3) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
> N+* M*3(26
5(*'(2 +2 ?
1
" P/2 S' 0.00 0.00 0.00 0.00 0.00 0.00 0.00
> N+* M*3(26
5(*'(2 +2 ?
1
T L+2) %0.00 "$1. ". 1%.00 11. %#. 0.00
> E9. +/ I2)*92*)
:=9 (2 +2 ?
1
4 D/7 T 9(=(9(* 0.00 0.00 0.00 0.00 0.00 0.00 0.00
1
%
C7(*+) /+ :(*9
:3')) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
99
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1
O*' T
L(=(9(*() -
32)37 9+2) /+:++*), /(27)
9*() 11.$4 1#1.$4 1#1.$4 1#1.$4 1#1.$4 1#1.$4 1#1.$4
1
T+*9 T
L(=(9(*() > 11 *+ 1 ? 4.$4 4.1 41%." %.$4 "$#.1 "40." 1#1.$4
1
#
T+*9 O3*)(7
9(=(9(*() > 10 1 ? 4.$4 #4". #.$ 4."4 #1. "#.%1 %%.
NET ORTH
1
$
O7(2 S'
C:(*9 "%0.00 "%0.00 "%0.00 "%0.00 "%0.00 "%0.00 "%0.00
"
0 G29 R) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
100
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"
1 R93*(+2 R) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
"
"
S' A::9(*(+2
M+2 0.00 0.00 0.00 0.00 0.00 0.00 0.00
"
S3:93) >? OR
D/((* >-? (2 P L
A!C 0.00 #0.01 11.1" "1. #0." 4$#.1 ".#%
"
4
N* +*' > 1$ *+
" ? "%0.00 0.01 4"1.1" %"1. 0." 4#.1 #.#%
"
%
TOTAL
LIABILITIES > 1#
"4 ? 1.$4 11". 1"0#.0$ 1"%%.1 11".0$ 1. 14%.%"
NAME OF THE COMPANY& PRAMOD STEEL ALLOYS
PVT. LTD
ESTIMA
TED PROJECTED
PROJE
CTED
PROJECTE
D
PROJECT
ED
PROJECT
ED
PROJE
CTED
101
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ASSETS M'-0# M'-0$
M'-
10 M'-11 M'-1" M'-1
M'-
14
CURRENT ASSETS
"
C)' B2 O*'
*'2 9+26 * ?
I ? G+*. O*'
T3)* S3(*() 0.00 0.00 0.00 0.00 0.00 0.00 0.00
((? F(7 7:+)(* 5(*'
B2
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103/120
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104/120
DPES Institute of Business Management 2008-09
27
S*+)!S:)!C+2)3
=9)
"
A72 P2* +/
T) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
O*' C32* A))*) 0.00 %.00 .00 ."0 #.4 10. 1".44
> S:(/(7 M;+
(*) ):*9 ?
4
TOTAL CURRENT
ASSETS> " *+ ? .00 %1.4# %.%# ".$" #0.# 41." #11."
F(7 A))*)
%
G+)) B9+< >L27
B3(97(26, M'(2? 0.00 #.4$ #.4$ 0#.4$ #.4$ #.4$ $%#.4$
A77(*(+2) #.4$ 0.00 40.00 0.00 #%.00 $%.00 100.00
D:(*(+2 0.00 %4.$ 114.0% 1#0.# "%%.%0 40.44 4%.
104
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N* B9+< > % - ? #.4$ 1.% %$4.44 %$#.10 0.$# 1#.04 "".
O*' N+2 - C32*
A))*) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
#
I2)*2*)! B++ # *+ 40 ? .00 1".00 1.00 14."0 1%.4 1. 1$.44
4
"
I2*26(=9 A))*)
>P*2*), G++75(99,
P9. #.4 0. ".0 1%.# .$ 0.00 0.00
27 /+*(+2 :),
B7 7=*) 2+*
:+(77
106
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4
T+*9 A))*)
> 4414" ? 1.$4 11". 1"0#.0$ 1"%%.1 11".0$ 1. 14%.%"
0.00 0.00 0.00 0.00 0.00 0.00 0.00
4
4
T26(=9 N* +*' >
"4 - 4" ? "11.%4 "$$."4 $#.0% %0%.$$ ".0 4#.1 #.#%
6 I2) REFW 41.4 .0" ".1" ".1 "0.0# 1.
4
% N* +414"?
X >4 -10 ? .00 14." "0%.#$ "%0." "$#.0" %.0" 41.%$
4
C32* R*(+ > 4 !
10 ? 0.00 1.40 1.%% 1. 1.# 1.$1 ".0
4
T+*9 O3*)(7 L(=.!
T26(=9
N.+*'>1#!44?
+2)(7(26 3!) 9+2
/+ :++*)
/(27) 27 9*()) :* +/ 2*5+*' 1.% "."1 1.%" 1.0$ 0.#0 0.0 0.4%
4
#
T+*9 O3*)(7 L(=.!
T26(=9
N.+*'>1#!44?
+2)(7(26 3!) 9+2
/+ :++*)
/(27) 27 9*()
) :* +/ +3*)(7
9(=(9(*() "."1 ".#" 1.$# 1.4% 1.0$ 0.#4 0.
107
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DPES Institute of Business Management 2008-09
FORM IV # COMPARATIVE STATEMENT OF CURRENT ASSETS CURRENT
LIABILITIES
108
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NAME OF THE COMPANY# PRAMOD STEEL
ALLOYS PVT. LTD
R). (2 L)
E)*(*) F+ T' YE27(26
PROJEC
TED
PROJEC
TED
PROJEC
TED
PROJEC
TED
PROJE
CTED
PROJECT
ED
A
.
CURRENT ASSETS M.10 M.11 M.1" M.1 M.14 M.1%
1? R5 M*(9 S*+< 14.1" 1##. "0.14 "1.% "".1 "4.
D) C+2)3:*(+2 21 21 21 21 21 21
"? A99+) #.#0 $.%4 10." 11.00 11.4 1".4
D) C+)* +/ P+73*(+2 30 30 30 30 30 30
? F(2()'7 G++7) 1"%.0 1%. 14."0 1%. 1. 1#.00
D) C+)* +/ S9) 12 12 12 12 12 12
4? R(=9) O*' *'2
E:+* D/7
27 E:+* R(=9) 1#%."% "0.$# """.$4 "#.$0 "%4.# "0.#
D) D+)*( S9) 15 15 15 15 15 15
%? E:+* R(=9) 0.00 0.00 0.00 0.00 0.00 0.00
M+2*') D+)*( S9) 0.00 0.00 0.00 0.00 0.00 0.00
? C+2)3=9) %. %.# ."" . .11 .%%
D) C+2)3:*(+2 30 30 30 30 30 30
109
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DPES Institute of Business Management 2008-09
? C.I M+397) 0.00 0.00 0.00 0.00 0.00 0.00
D) C+2)3:*(+2 C.I
M+397)
0 0 0 0 0 0
#? A72) *+ S3::9()+/ R5 M*(9) 27
0.00 0.00 0.00 0.00 0.00 0.00
S*+)!S:)!C+2)3=9
)
0.00 0.00 0.00 0.00 0.00 0.00
$? O*' C32* A))*)
> I29.C)' 27 B2
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DPES Institute of Business Management 2008-09
D9). 0.00 0.00 0.00 0.00 0.00 0.00
$? S**3*+ L(=(9(*() 0.00 0.00 0.00 0.00 0.00 0.00
10? O*' C32*
L(=(9(*()
4."1 4.$4 %.44 %.$ .1 .%
11? T+*9 C32*
L(=(9(*()
$.1 1.$ .0 #". ##."4 $.
> T+ A6 5(*' S3=-*+*9
B +/ FORM III ?
$.1 1.$ .0 #". ##."4 $.
FORM V # COMPUTATION OF MA3IMUM PERMISSIBLE BAN FINANCE FOR $ORIN
CAPITAL
NAME OF THE COMPANY# PRAMOD STEEL ALLOYS PVT. LTD
R). (2 L)
E)*(*) F+ T' YE27(26
111
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DPES Institute of Business Management 2008-09
PROJECT
ED
PROJEC
TED
PROJECT
ED
PROJECTE
D
PROJECTE
D
PROJECT
D
M.10 M.11 M.1" M.1 M.14 M.1%
1T+*9 C32* A))*)> $ +/ FORM IV ? %1.4# %.%# ".$" #0.# 41." #11."
"
O*' C32*
L(=(9(*() > O*' *'2
B2< $.1 1.$ .0 #". ##."4 $.
B++5(26) ? > 14 +/
FORM IV ?
+CG ? > 1 - " ? 44." %0%.#$ %%0." %$#.0" %.0" 1.%$
4
M(2. S*(:39*7 N*
+ 4% +/ FORM III ?
I* - I* 4 1#."0 1.4$ $.4 4".#" 4.1 %14.
112
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DPES Institute of Business Management 2008-09
I* - I* % 00.00 00.00 00.00 00.00 00.00 00.00
#
M(3 P())(=9
B2< F(22
> I* OR
5'(' () 9+5 ? 00.00 00.00 00.00 00.00 00.00 00.00
$
E)) B++5(26
R:)2*(26 S'+*
F99
.
.
9 (2 NC > - # ?
FORM VI # FUND
FLO$ STATEMENT
NAME OF THE COMPANY# PRAMOD STEEL ALLOYS PVT. LTD
R). (2 L)
E)*(*) F+ T' Y
E27(26
113
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114/120
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115/120
DPES Institute of Business Management 2008-09
7? D((727
P2*) 0.00 0.00 0.00 0.00 0.00 0.00
? O*') 0.00 0.00 0.00 0.00 0.00 0.00
/ ? T+*9 . $$. 1"$.% 144. 1%%.0 10.41
L+26 T S3:93)
>? D/((* >-? > 1-" ? 144." %#.% 44.4 4.$ %%.01 4.%
4
I2)!D) (2
C32* A))*) %1.4# 1.10 %0.4 %".# 0.4$ 0.0
> A) : 7*(9) 6(2
=9+5 ? ".11
%
I2)!D) (2
C32* L(=(9(*()
+*' *'2 B2A? ,##.0 4,"".4 4,%%#.# 4,##%." %,"11. %,%#.0
V(=9 C+)*)
R5 *(9
+2)37
,00#. ,#4.00 ,4%.11 ,$0." 4,1.1 4,4"#.41
O*' 23/*3(26
:2))
4$0.1 %.1# %#.4 1$.# 0.% 01.$%
% +/ A72.
S99(26 E:.
. .0 40. 44.#0 4$."# %4."1
I2*)* +2 C .4% .4% .4% .4% .4% .4%
T+*9 (=9 +)*)
>B?
,%$.1$ ,$$. 4,01.0 4,0.1 4,$1.#0 %,""1.0"
C+2*(=3*(+2 >A - B? "1#.#4 "#.#1 "%.#4 "#.10 "$.# 1.0%
F(7 C+)*)
"% +/ A72.
S99(26 E:.
11."" 1".4 1.%# 14.$ 1.4 1#.0
I2*)* +2 * 9+2 41.1 4.1 ".%4 1#.$ 11.# .$
D:(*(+2 27+*' 2+2 )' (*)
".% .# 4.0" #".#1 $". $%."#
T+*9 /(7 +)*) > ? 11%.%# 11."% 114.14 11.0 1"0.44 11.14
S9) B< E2
>R). I2 L)?
"000.%# "00.1 "01#.10 "0%0.0 "10.1$ "04."
S9) B< E2
P+(2*
%".#1 4.4" 44." 41.$ 40.4 .$%
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T' )3 (2*2)'(: I ' 7+2 (2 :+;* /(22(26 * S26 /(22(9 S(). I2
*') /+3 +2*') *23 I '( 9+* +/
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119/120
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120/120
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