ASSESSMENT OF WORKING CAPITAL REQUIREMENTS

FORM II - OPERATING STATEMENT

Name: sanoj kumar potdar

Amounts in Rs. Lacs

Last 2 Years Actuals Current Yr. Next Year OPTIONAL
(As per audited accounts) Estimates Projections
Year 31.03.2007 31.03.2008 31.03.2009 31.03.2010
1. Gross Sales No.of months 12 12 12 12

i. Domestic Sales 0.00 0.00 0.00 0.00

ii. Export Sales 0.00 0.00 0.00 0.00

iii. Other operating/revenue income 0.00 0.00 0.00 0.00

Total 0.00 0.00 0.00 0.00

2. Less Excise Duty 0.00 0.00 0.00 0.00

3. Net Sales (1 - 2) 0.00 0.00 0.00 0.00

4. % age rise (+) or fall (-) in net sales

as compared to previous year (annualised) N/A N/A N/A N/A

5. Cost of Sales

i. Raw materials (including stores and

other items used in the process of
manufacture) 0.00 0.00 0.00 0.00

a. Imported 0.00 0.00 0.00 0.00

b. Indigenous 0.00 0.00 0.00 0.00

ii. Other Spares 0.00 0.00 0.00 0.00

a. Imported

b. Indigenous 0.00 0.00 0.00 0.00

iii. Power and Fuel 0.00 0.00 0.00 0.00

iv. Direct Labour (Factory wages & salaries) 0.00 0.00 0.00 0.00

v. Other manufacturing expenses 0.00 0.00 0.00 0.00

vi. Depreciation 0.00 0.00 0.00 0.00

Freight & Cartage 0.00 0.00 0.00 0.00

vii. Sub-total (i to vi) 0.00 0.00 0.00 0.00

viii. Add: Opening Stock-in-process 0.00 0.00 0.00 0.00

Sub-total (vii + viii) 0.00 0.00 0.00 0.00

 ix. Deduct: Closing Stock-in-process 0.00 0.00 0.00 0.00

x. Cost of Production 0.00 0.00 0.00 0.00

xi. Add: Opening Stock of finished goods 0.00 0.00 0.00 0.00

Sub-total (x + xi) 0.00 0.00 0.00 0.00

xii. Deduct: Closing Stock of finished goods 0.00 0.00 0.00 0.00

xiii. Sub-total (Total Cost of Sales) 0.00 0.00 0.00 0.00

6. Selling, general and administrative expenses 0.00 0.00 0.00 0.00

7. Sub-total (5 + 6) 0.00 0.00 0.00 0.00

8. Operating Profit before Interest (3 - 7) 0.00 0.00 0.00 0.00

9. Interest 0.00 0.00 0.00 0.00

10. Operating Profit after Interest (8 - 9) 0.00 0.00 0.00 0.00

11. i. Add: Other non-operating Income

a.

b.

c.

d. 0.00 0.00 0.00 0.00

Sub-total (Income) 0.00 0.00 0.00 0.00

ii. Deduct: Other non-operating expenses

a. Misc Exp Written Off 0.00 0.00 0.00 0.00

b.

c.

d. 0.00 0.00 0.00 0.00

Sub-total (Expenses) 0.00 0.00 0.00 0.00

iii. Net of other non-operating income /

expenses [net of 11(i) & 11(ii)] 0.00 0.00 0.00 0.00

12. Profit before tax/loss [10 + 11(iii)] 0.00 0.00 0.00 0.00

13. Provision for taxes 0.00 0.00 0.00 0.00

14. Net Profit / Loss (12 -13) 0.00 0.00 0.00 0.00

15. a. Equity dividend paid-amount

(Already paid + B.S. provision) 0.00 0.00 0.00 0.00

b. Dividend Rate (% age) 0.00 0.00 0.00 0.00

16. Retained Profit (14 - 15) 0.00 0.00 0.00 0.00

17. Retained Profit / Net Profit (% age)

 FORM III - ANALYSIS OF BALANCE SHEET
LIABILITIES

Name: sanoj kumar potdar ional funds

Amounts in Rs. Lacs

Last 2 Years Actuals Current Yr. Next Year OPTIONAL
(As per audited BS) Estimates Projections
Year 31.03.2007 31.03.2008 31.03.2009 31.03.2010
No.of months 12 12 12 12

CURRENT LIABILITIES

1. Short-term borrowing from banks (including

bills purchased, discounted & excess
borrowing placed on repayment basis)

i. From applicant bank 0.00 0.00 0.00 0.00

ii. From other banks 0.00 0.00 0.00 0.00

iii. (of which BP & BD) 0.00 0.00

Sub-total [i + ii] (A) 0.00 0.00 0.00 0.00

2. Short term borrowings from others 0.00 0.00 0.00 0.00

3. Sundry Creditors (Trade) 0.00 0.00 0.00 0.00

4. Advance payments from customers /

deposits from dealers 0.00 0.00 0.00 0.00

5. Provision for taxation 0.00 0.00 0.00 0.00

6. Dividend payable

7. Other statutory liabilities (due within 1 year)

8. Deposits / instalments of term loans /

DPGs / debentures etc. (due within 1 year) 0.00 0.00 0.00 0.00

9. Other current liabilities & provisions

(due within 1 year) - specify major items 0.00 0.00 0.00 0.00

a. Creditors for Expenses 0.00 0.00 0.00 0.00

b. 0.00 0.00 0.00 0.00

c.

d.

Sub total [2 to 9] (B) 0.00 0.00 0.00 0.00

10. Total current liabilities [A + B] 0.00 0.00 0.00 0.00

TERM LIABILITIES

11. Debentures (not maturing within 1 year)

12. Preference Shares (redeemable after 1 year)

13. Term loans (excluding instalments

payable within 1 year) 0.00 0.00 0.00 0.00

14. Deferred Payment Credits (excluding

instalments due within 1 year) 0.00 0.00 0.00 0.00

15. Term deposits (repayable after 1 year)

16. Other term liabilities 0.00 0.00 0.00 0.00

17. Total Term Liabilities [11 to 16] 0.00 0.00 0.00 0.00

18. Total Outside Liabilities [10 + 17] 0.00 0.00 0.00 0.00

NET WORTH

19. Ordinary Share Capital 0.00 0.00 0.00 0.00

20. General Reserve

21. Revaluation Reserve

22. Other Reserves (excluding Provisions) 0.00 0.00 0.00 0.00

23. Surplus (+) or deficit (-) in Profit & Loss a/c

23. a. Deferred Tax Liability 0.00 0.00 0.00 0.00

b. P&L Account 0.00 0.00 0.00 0.00

c. Unsecured loans 0.00 0.00 0.00 0.00

24. Net Worth 0.00 0.00 0.00 0.00

25. TOTAL LIABILITIES [18 + 24] 0.00 0.00 0.00 0.00

 FORM III - ANALYSIS OF BALANCE SHEET (Continued)
ASSETS

Name: sanoj kumar potdar ional funds

Amounts in Rs. Lacs

Last 2 Years Actuals Current Yr. Next Year
(As per audited BS) Estimates Projections
Year 31.03.2007 31.03.2008 31.03.2009 31.03.2010
No.of months 12 12 12 12
CURRENT ASSETS
26. Cash and Bank Balances 0.00 0.00 0.00 0.00
27. Investments (other than long term)
i. Govt. and other trustee securities 0.00 0.00 0.00 0.00
ii. Fixed Deposits with banks 0.00 0.00 0.00 0.00
28. i. Receivables other than deferred &
exports (incldg. bills purchased and
discounted by banks) 0.00 0.00 0.00 0.00
ii. Export receivables (incldg. bills
purchased/discounted by banks) 0.00 0.00 0.00 0.00
29. Instalments of deferred receivables
(due within 1 year)
30. Inventory: 0.00 0.00 0.00 0.00
i. Raw materials (including stores and
other items used in the process of
manufacture) 0.00 0.00 0.00 0.00
a. Imported
b. Indigenous 0.00 0.00 0.00 0.00
ii. Stocks-in-process 0.00 0.00 0.00 0.00
iii.Finished goods 0.00 0.00 0.00 0.00
iv. Other consumable spares 0.00 0.00 0.00 0.00
a. Imported 0.00 0.00
b. Indigenous 0.00 0.00 0.00 0.00
31. Advances to suppliers of raw materials
and stores/spares 0.00 0.00 0.00 0.00
32. Advance payment of taxes 0.00 0.00 0.00 0.00
33. Other current assets (specify major items) 0.00 0.00 0.00 0.00
a. Other Advances 0.00 0.00 0.00 0.00
b. VAT 0.00 0.00 0.00 0.00
c.
d.
34. Total Current Assets (26 to 33) 0.00 0.00 0.00 0.00
FIXED ASSETS
35 Gross Block (land, building, machinery,
work-in-progress) 0.00 0.00 0.00 0.00
36 Depreciation to date 0.00 0.00 0.00 0.00
37 Net Block (35 - 36) 0.00 0.00 0.00 0.00

OTHER NON-CURRENT ASSETS

38 Investments/book debts/advances/deposits
which are not current assets 0.00 0.00 0.00 0.00
i. a. Investments in subsidiary
companies / affiliates 0.00 0.00 0.00 0.00
b. Others
ii. Advances to suppliers of capital goods
and contractors
iii. Deferred receivables (maturity
exceeding 1 year)
iv. Others 0.00 0.00 0.00 0.00
a. Advances to subsidiary
b.
c.
d. Receivables. over 6 months
39 Non-consumable stores and spares
40 Other non-current assets including
dues from directors
41 Total Other Non-current Assets (38 to 40) 0.00 0.00 0.00 0.00

42 Intangible Assets (patents, good will,

prelim.expenses, bad / doubtful debts not
provided for, etc. 0.00 0.00 0.00 0.00
43 Total Assets (34+37+41+42) 0.00 0.00 0.00 0.00
44 Tangible Net Worth (24 - 42) 0.00 0.00 0.00 0.00
45 Net Working Capital (34 - 10) 0.00 0.00 0.00 0.00
CMA-FMT3C Suggestions : Email to ranjansr@yahoo.com
31.03.2007 31.03.2008 31.03.2009 31.03.2010
Total Liabilities 0.00 0.00 0.00 0.00
Total Assets 0.00 0.00 0.00 0.00

Difference 0.00 0.00 0.00 0.00

Tallies Tallies Tallies Tallies
Depreciation tallies tallies tallies

Curr. Ratio #DIV/0! #DIV/0! #DIV/0! #DIV/0!

TOL/TNW #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Levels permitted / assumed
RM (imported)
RM (indig.)
SIP
Finished Goods
Receivables
Sundry Cred.

Instructions
1. a) In Form-II, Form-III and elsewhere, areas shaded in blue represent formulas not to be altered
b) In fin-param, opening stock of imp.raw material and indig.raw material to be entered in work-
sheet area in cells c53 and c58 for correct value of sundry creditors to purchases (days) in C34
c) Ensure to enter receivables over six months in Form-III, F129 for correct CRA rating
2. To check for errors, press {Control + E}
3. In Form-II / III, CRA and Fin-param sheets, areas shaded in yellow represent unprotected cells for data input
4. When printing Form-III, note that column J is not printed. Use print preview to make adjustment.
5. When entering data in Form-II and Form-III, pls ensure that space bar is not pressed in a blank
cell. While the cell will appear empty, Excel reads it as non-numeric data and generates
error message "VALUE" in any dependent cell.
lls for data input
 FORM IV
COMPARATIVE STATEMENT OF CURRENT ASSETS AND CURRENT LIABILITIES

Name: sanoj kumar potdar

Amounts in Rs. Lacs

No- Last 2 Years Actuals Current Yr. Next Year Peak
rms (As per audited accounts) Estimates Projections Reqmt.
Year 31.03.2007 31.03.2008 31.03.2009 31.03.2010

A. CURRENT ASSETS
1. Raw materials (incl. stores & other items
used in the process of manufacture)
a. Imported 0.00 0.00 0.00 0.00
Month's Consumption
b. Indigenous 0.00 0.00 0.00 0.00
Month's Consumption
2. Other Consumable spares, excluding
those included in 1 above
a. Imported 0.00 0.00 0.00 0.00
Month's Consumption
b. Indigenous 0.00 0.00 0.00 0.00
Month's Consumption
3. Stock-in-process 0.00 0.00 0.00 0.00
Month's cost of production
4. Finished goods 0.00 0.00 0.00 0.00
Month's cost of sales
5. Receivables other than export & deferred
receivables (incl. bills purchased &
discounted by bankers) 0.00 0.00 0.00 0.00
Month's domestic sales: excluding
deferred payment sales
6. Export receivables (incl. bills purchased
and discounted) 0.00 0.00 0.00 0.00
Month's export sales
7. Advances to suppliers of raw materials &
stores / spares, consumables 0.00 0.00 0.00 0.00
8. Other current assets incl. cash & bank
balances & deferred receivables due
within one year 0.00 0.00 0.00 0.00
Cash and Bank Balances 0.00 0.00 0.00 0.00
Investments (other than long term):
i. Govt. and other trustee securities 0.00 0.00 0.00 0.00
ii. Fixed Deposits with banks 0.00 0.00 0.00 0.00
Instalments of deferred receivables
(due within 1 year) 0.00 0.00 0.00 0.00
Advance payment of taxes 0.00 0.00 0.00 0.00
Other current assets 0.00 0.00 0.00 0.00
9. Total Current Assets 0.00 0.00 0.00 0.00
(To agree with item 34 in Form III)
 FORM IV
COMPARATIVE STATEMENT OF CURRENT ASSETS AND CURRENT LIABILITIES

Name: sanoj kumar potdar

Amounts in Rs. Lacs

Prev.Yr. Last Year Current Yr. Next Year Peak
Norms Actuals Actuals Estimates ProjectionsRequirement
Year 31.03.2007 31.03.2008 31.03.2009 31.03.2010
B. CURRENT LIABILITIES
(Other than bank borrowings for working capital)

10. Creditors for purchase of raw materials,

stores & consumable spares 0.00 0.00 0.00 0.00
Month's purchases
11. Advances from customers 0.00 0.00 0.00 0.00
12. Statutory liabilities 0.00 0.00 0.00 0.00
13 Other current liabilities: 0.00 0.00 0.00 0.00
Short term borrowings from others 0.00 0.00 0.00 0.00
Provision for taxation 0.00 0.00 0.00 0.00
Dividend payable 0.00 0.00 0.00 0.00
Deposits / instalments of term loans / DPGs
/ debentures etc. (due within 1 year) 0.00 0.00 0.00 0.00
Other current liabilities & provisions
(due within 1 year) 0.00 0.00 0.00 0.00
14. Total (To agree with total B of Form-III) 0.00 0.00 0.00 0.00
Requirement
 FORM IV
COMPARATIVE STATEMENT OF CURRENT ASSETS AND CURRENT LIABILITIES

Name: sanoj kumar potdar

Amounts in Rs. Lacs

No- Last Yr. Current Yr. Next Year Peak
rms Actuals Estimates Projections Reqmt.
Year 31.03.2008 31.03.2009 31.03.2010

A. CURRENT ASSETS
1. Raw materials (incl. stores & other items
used in the process of manufacture)
a. Imported 0.00 0.00 0.00
Month's Consumption
b. Indigenous 0.00 0.00 0.00
Month's Consumption
2. Other Consumable spares, excluding
those included in 1 above
a. Imported 0.00 0.00 0.00
Month's Consumption
b. Indigenous 0.00 0.00 0.00
Month's Consumption
3. Stock-in-process 0.00 0.00 0.00
Month's cost of production
4. Finished goods 0.00 0.00 0.00
Month's cost of sales
5. Receivables other than export & deferred
receivables (incl. bills purchased &
discounted by bankers) 0.00 0.00 0.00
Month's domestic sales: excluding
deferred payment sales
6. Export receivables (incl. bills purchased
and discounted) 0.00 0.00 0.00
Month's export sales
7. Advances to suppliers of raw materials &
stores / spares, consumables 0.00 0.00 0.00
8. Other current assets incl. cash & bank
balances & deferred receivables due
within one year 0.00 0.00 0.00
Cash and Bank Balances 0.00 0.00 0.00
Investments (other than long term):
i. Govt. and other trustee securities 0.00 0.00 0.00
ii. Fixed Deposits with banks 0.00 0.00 0.00
Instalments of deferred receivables
(due within 1 year) 0.00 0.00 0.00
Advance payment of taxes 0.00 0.00 0.00
Other current assets 0.00 0.00 0.00
9. Total Current Assets 0.00 0.00 0.00
(To agree with item 34 in Form III)
 FORM IV
COMPARATIVE STATEMENT OF CURRENT ASSETS AND CURRENT LIABILITIES

Name: sanoj kumar potdar

Amounts in Rs. Lacs

Last Year Current Yr. Next Year Peak
Norms Actuals Estimates ProjectionsRequirement
Year 31.03.2008 31.03.2009 31.03.2010
B. CURRENT LIABILITIES
(Other than bank borrowings for working capital)

10. Creditors for purchase of raw materials,

stores & consumable spares 0.00 0.00 0.00
Month's purchases
11. Advances from customers 0.00 0.00 0.00
12. Statutory liabilities 0.00 0.00 0.00
13 Other current liabilities: 0.00 0.00 0.00
Short term borrowings from others 0.00 0.00 0.00
Provision for taxation 0.00 0.00 0.00
Dividend payable 0.00 0.00 0.00
Deposits / instalments of term loans / DPGs
/ debentures etc. (due within 1 year) 0.00 0.00 0.00
Other current liabilities & provisions
(due within 1 year) 0.00 0.00 0.00
14. Total (To agree with total B of Form-III) 0.00 0.00 0.00
 FORM V
COMPUTATION OF MAXIMUM PERMISSIBLE BANK FINANCE FOR WORKING CAPITAL

Name: sanoj kumar potdar

Amounts in Rs.
Last 2 Years Actuals Current Yr. Next Year
First Method of Lending (As per audited accounts) Estimates Projections
Year 31.03.2007 31.03.2008 31.03.2009 31.03.2010

1. Total Current Assets (Form-IV-9) 0.00 0.00 0.00 0.00

2. Other Current Liabilities (other than
bank borrowings (Form-IV-14) 0.00 0.00 0.00 0.00
3. Working Capital Gap (WCG) (1-2) 0.00 0.00 0.00 0.00
4. Min. stipulated net working capital:
(25% of WCG excluding export receivables) 0.00 0.00 0.00 0.00
5. Actual / Projected net working capital
(Form-III-45) 0.00 0.00 0.00 0.00
6. Item-3 minus Item-4 0.00 0.00 0.00 0.00
7. Item-3 minus Item-5 0.00 0.00 0.00 0.00
8. Max. permissible bank finance
(item-6 or 7, whichever is lower) 0.00 0.00 0.00 0.00
9. Excess borrowings representing
shortfall in NWC (4 - 5)

Second Method of Lending

1. Total Current Assets (Form-IV-9) 0.00 0.00 0.00 0.00

2. Other Current Liabilities (other than
bank borrowings (Form-IV-14) 0.00 0.00 0.00 0.00
3. Working Capital Gap (WCG) (1-2) 0.00 0.00 0.00 0.00
4. Min. stipulated net working capital:
(25% of total Current Assets excluding
export receivables) 0.00 0.00 0.00 0.00
5. Actual / Projected net working capital
(Form-III-45) 0.00 0.00 0.00 0.00
6. Item-3 minus Item-4 0.00 0.00 0.00 0.00
7. Item-3 minus Item-5 0.00 0.00 0.00 0.00
8. Max. permissible bank finance
(item-6 or 7, whichever is lower) 0.00 0.00 0.00 0.00
9. Excess borrowings representing
shortfall in NWC (4 - 5)
NG CAPITAL

Lacs
Peak
Reqmt.
31.03.2010
 FORM VI
FUNDS FLOW STATEMENT

Name: sanoj kumar potdar

Amounts in Rs. Lacs

Last Yr. Current Yr. Next Year
Actuals Estimates Projections
Year 31.03.2008 31.03.2009 31.03.2010

1. SOURCES

a. Net Profit 0.00 0.00 0.00

b. Depreciation 0.00 0.00 0.00

c. Increase in Capital 0.00 0.00 0.00

d. Increase in Term Liabilities

(including Public Deposits) 0.00 0.00 0.00

e. Decrease in

i. Fixed Assets

ii. Other non-current Assets

f. Others 0.00 0.00 0.00

g. TOTAL 0.00 0.00 0.00

2. USES

a. Net loss

b. Decrease in Term Liabilities

(including Public Deposits)

c. Increase in

i. Fixed Assets 0.00 0.00 0.00

ii. Other non-current Assets 0.00 0.00 0.00

d. Dividend Payments 0.00 0.00 0.00

e. Others

f. TOTAL 0.00 0.00 0.00

3. Long Term Surplus (+) / Deficit (-) [1-2] 0.00 0.00 0.00

4. Increase/decrease in current assets

* (as per details given below) 0.00 0.00 0.00

5. Increase/decrease in current liabilities

other than bank borrowings 0.00 0.00 0.00
6. Increase/decrease in working capital gap 0.00 0.00 0.00

7. Net Surplus / Deficit (-) [3-6] 0.00 0.00 0.00

8. Increase/decrease in bank borrowings 0.00 0.00 0.00

 FORM VI
FUNDS FLOW STATEMENT

Name: sanoj kumar potdar

Amounts in Rs. Lacs

Last 2 Years Actuals Current Yr. Next Year
(As per audited accounts) Estimates Projections
Year 31.03.2007 31.03.2008 31.03.2009 31.03.2010

1. SOURCES

a. Net Profit 0.00 0.00 0.00 0.00

b. Depreciation 0.00 0.00 0.00 0.00

c. Increase in Capital 0.00 0.00 0.00 0.00

d. Increase in Term Liabilities

(including Public Deposits) 0.00 0.00 0.00 0.00

e. Decrease in

i. Fixed Assets

ii. Other non-current Assets

f. Others 0.00 0.00 0.00 0.00

g. TOTAL 0.00 0.00 0.00 0.00

2. USES

a. Net loss

b. Decrease in Term Liabilities

(including Public Deposits)

c. Increase in

i. Fixed Assets 0.00 0.00 0.00 0.00

ii. Other non-current Assets 0.00 0.00 0.00 0.00

d. Dividend Payments 0.00 0.00 0.00 0.00

e. Others

f. TOTAL 0.00 0.00 0.00 0.00

 3. Long Term Surplus (+) / Deficit (-) [1-2] 0.00 0.00 0.00 0.00

4. Increase/decrease in current assets

* (as per details given below) 0.00 0.00 0.00 0.00

5. Increase/decrease in current liabilities

other than bank borrowings 0.00 0.00 0.00 0.00

6. Increase/decrease in working capital gap 0.00 0.00 0.00 0.00

7. Net Surplus / Deficit (-) [3-6] 0.00 0.00 0.00 0.00

8. Increase/decrease in bank borrowings 0.00 0.00 0.00 0.00

9. Increase/decrease in NET SALES N/A N/A 0.00 0.00

* Break up of item-4

i. Increase/decrease in Raw Materials 0.00 0.00 0.00 0.00

ii. Increase/decrease in Stocks-in-Process 0.00 0.00 0.00 0.00

iii. Increase/decrease in Finished Goods 0.00 0.00 0.00 0.00

iv. Increase/decrease in Receivables

a) Domestic 0.00 0.00 0.00 0.00

b) Export 0.00 0.00 0.00 0.00

v. Increase/decrease in Stores & Spares 0.00 0.00 0.00 0.00

vi. Increase/decrease in other current assets 0.00 0.00 0.00 0.00

TOTAL 0.00 0.00 0.00 0.00
 RATIOS
sanoj kumar potdar I II III

1 Current Ratio #DIV/0! #DIV/0! #DIV/0!

2 TOL/TNW #DIV/0! #DIV/0! #DIV/0!

3 D/E #DIV/0! #DIV/0! #DIV/0!

4 OP/Net Sales % #DIV/0! #DIV/0! #DIV/0!

5 PBT/Net Sales % #DIV/0! #DIV/0! #DIV/0!

6 PBDITA/Net Sales % #DIV/0! #DIV/0! #DIV/0!

7 OP/TTA % #DIV/0! #DIV/0! #DIV/0!

8 PBT/TTA % #DIV/0! #DIV/0! #DIV/0!

9 PBDITA/TTA % #DIV/0! #DIV/0! #DIV/0!

10 NetProfit/NW (ROE) #DIV/0! #DIV/0! #DIV/0!

11 PBDITA/Interest #DIV/0! #DIV/0! #DIV/0!

12 TTA/NWC #DIV/0! #DIV/0! #DIV/0!

13 Net Sales/Current Assets #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0!
14 Net Sales/FA
Net Sales / Total Tangible Assets #DIV/0! #DIV/0! #DIV/0!
15
Net Sales/TNW #DIV/0! #DIV/0! #DIV/0!
16
17 NWC to TCA (%) #DIV/0! #DIV/0! #DIV/0!
18 Bk.Finance to TCA(%) #DIV/0! #DIV/0! #DIV/0!
19 Sundry Cred.to TCA (%) #DIV/0! #DIV/0! #DIV/0!
20 Other CL (exc.sund.cred) to TCA (%) #DIV/0! #DIV/0! #DIV/0!

21 Fixed Assets/Long Term Sources % #DIV/0! #DIV/0! #DIV/0!

22 RM & Stores,Spares/ RM & Stores,spares consumed #DIV/0! #DIV/0! #DIV/0!

23 S-I-P/Cost of Production #DIV/0! #DIV/0! #DIV/0!

24 Finished Goods/Cost of Sales #DIV/0! #DIV/0! #DIV/0!

25 Inventories to Net Sales(days) #DIV/0! #DIV/0! #DIV/0!

26
Receivables to Gross Sales (days) #DIV/0! #DIV/0! #DIV/0!
27 Sundry Creditors to Purchases (days) 0 #DIV/0! #DIV/0!

28 RM+Stores & Spares consumed/Net Sales % #DIV/0! #DIV/0! #DIV/0!

29 Power & Fuel/Net Sales % #DIV/0! #DIV/0! #DIV/0!

30 Direct Labour/Net Sales % #DIV/0! #DIV/0! #DIV/0!

31 OME/Net Sales % #DIV/0! #DIV/0! #DIV/0!

32 Selling, General & Adm. Expenses/Net Sales % #DIV/0! #DIV/0! #DIV/0!

33 Interest/Net Sales % #DIV/0! #DIV/0! #DIV/0!

34 PBT/Net Sales % #DIV/0! #DIV/0! #DIV/0!

 IV

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
 sanoj kumar potdar
Performance and Financial Indicators Amounts in Rs. Lacs
audited audited estimate projection
31.03.2007 31.03.2008 31.03.2009 31.03.2010
1 Net Sales 0.00 0.00 0.00 0.00
2 PBT 0.00 0.00 0.00 0.00
3 PBT/Sales % #DIV/0! #DIV/0! #DIV/0! #DIV/0!
4 PAT 0.00 0.00 0.00 0.00
5 Cash Accruals 0.00 0.00 0.00 0.00
6 Paid up Capital 0.00 0.00 0.00 0.00
7 TNW 0.00 0.00 0.00 0.00
8 TOL/TNW #DIV/0! #DIV/0! #DIV/0! #DIV/0!
9 Current Ratio #DIV/0! #DIV/0! #DIV/0! #DIV/0!
10 Growth in Sales % N/A N/A N/A N/A
Efficiency Ratios
11 Net Sales / Total Tangible Assets #DIV/0! #DIV/0! #DIV/0! #DIV/0!
12 Return on Assets (PBT / TTA) % #DIV/0! #DIV/0! #DIV/0! #DIV/0!
13 Operating Costs / Sales % #DIV/0! #DIV/0! #DIV/0! #DIV/0!
14 Bank Finance / Current Assets (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
15 Inventory and Receiv. / Net Sales #REF! #REF! #DIV/0! #DIV/0!
(days)

31.03.2007 31.03.2008 31.03.2009 31.03.2010

1 Total Curr.Asset (TCA) 0.00 0.00 0.00 0.00
2 Other Current Liabilities (OCL) 0.00 0.00 0.00 0.00
3 Working Capital Gap 0.00 0.00 0.00 0.00
4 Net Working.Cap. (NWC) 0.00 0.00 0.00 0.00
5 Assess.Bk.Finance (ABF) 0.00 0.00 0.00 0.00
6 NWC to TCA (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
7 Bk.Finance to TCA(%) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
8 Sundry Cred.to TCA (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
9 Other CL (exc.sund.cred) to TCA (%) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
10 Inventories to Net Sales(days) #DIV/0! #DIV/0! #DIV/0! #DIV/0!
11 Receivables to Gross Sales (days) #REF! #REF! #DIV/0! #DIV/0!
12 Sundry Cred.to Purchases(days) #DIV/0! #DIV/0! #DIV/0! #DIV/0!

WORKSHEET AREA 31.03.2007 31.03.2008 31.03.2009 31.03.2010

1 Depreciation 0.00 0.00 0.00 0.00

2 Total Tangible Assets 0.00 0.00 0.00 0.00
3 Operating Costs 0 0 0 0
Power & Fuel 0.00 0.00 0.00 0.00
Direct Labour 0.00 0.00 0.00 0.00
 Other Mfg. Expenses 0.00 0.00 0.00 0.00
Selling, Gen. and Admin. Exp. 0.00 0.00 0.00 0.00
4 Bank Finance 0.00 0.00 0.00 0.00
5 Inventory 0.00 0.00 0.00 0.00
6 Receivables (domestic + export) 0.00 0.00 0.00 0.00
Receivables over 6 months #REF! #REF! 0.00 0.00
7 Sundry Creditors 0.00 0.00 0.00 0.00
8 Gross Sales 0.00 0.00 0.00 0.00
9 Raw Material Purchases (Indigen.) 0 0 0 0
Opening Stock 0.00 0.00 0.00
Consumption 0.00 0.00 0.00 0.00
Closing Stock 0.00 0.00 0.00 0.00

10 Raw Material Purchases (Import.) 0 0 0

Opening Stock 0.00 0.00 0.00
Consumption 0.00 0.00 0.00 0.00
Closing Stock 0.00 0.00 0.00 0.00

11 Total (Imp.+Indig.) R.M Purch. 0 0 0 0

END
STATE BANK OF INDIA Branch :

Name of Company: sanoj kumar potdar

CREDIT RISK ASSESSMENT
DATA AS ON 31.03.2008

(A) FINANCIAL RISK PARAMETERS

RISK HISTORIC RISK INDUSTRY RISK DYNAMIC -- INDUSTRY Work sheet area
ACTUALS MARKS WEIGHT Score LEVEL AVG. MARKS LEVEL AVG. MARKS LEVEL AVERAGE C.R TOL/TNW PAT / Net Inv.+Rec.Sales
31.03.2008 Sales % (days)
CURRENT RATIO #DIV/0! #DIV/0! 5 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
TOL/TNW #DIV/0! #DIV/0! 5 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 1 ABC Co.
PBIDT/INTT. #DIV/0! #DIV/0! 2 #DIV/0! #DIV/0! 2 BCD Co.
PAT/NET SALES (%) #DIV/0! #DIV/0! 2 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 3 XYZ Co.
ROCE (%) #DIV/0! #DIV/0! 2 #DIV/0! #DIV/0! 4
INV.+REC./SALES (DAYS) ### #VALUE! 4 #VALUE! #VALUE! #REF! #REF! #REF! #DIV/0! #DIV/0! #DIV/0! INDUSTRY AVERAGE #DIV/0! #DIV/0! #DIV/0! #DIV/0!

AGGR.FINANCIAL RISK SCORE (OUT OF 100) #DIV/0! #DIV/0! / 8 #DIV/0! / 8 DYNAMIC -- HISTORIC AVERAGE Work sheet area

#VALUE! #VALUE! 31.03.2007 Hist.Average

(B) QUALITATIVE RISK FACTORS : (Rs. In lacs) CURRENT RATIO #DIV/0! #DIV/0!
(NEGATIVE SCORE, use minus "-" sign) 0 TOL/TNW #DIV/0! #DIV/0!
PAT/NET SALES (%) #DIV/0! #DIV/0!
FINANCIAL PARAMETERS Score Maximum Inv.+Rec/Sales (days) #REF! #REF!
i) Static (Weightage 0.5) #DIV/0! 50
ii) Historical #DIV/0! 8
iii) Industry #DIV/0! 8
iv) Qualitative 0
out of
Total #DIV/0! 66 #DIV/0! 66

MA RKS
(C) INDUSTRY RISK PARAMETERS: AWARD. MAXIMUM
1. COMPETITION & MARKET 4
2. CYCLICALITY 4
3. REGULATORY RISK 4
4. TECHNOLOGY 4
5. USER PROFILE 4
6. INPUT PROFILE 4

SCORE 0 24 0 out of
24
(D) MANAGEMENT RISK PARAMETERS (WEIGHTAGE 0.5)
1. INTEGRITY 4
2. EXPERTISE 4
3. TRACK RECORD 4
4. STRUCTURE & SYSTEM 4
5. CAPITAL MARKET N.A
SCORE 0 16 0 out of
10
TOTAL MARKS #DIV/0!
Proposed Credit Rating #DIV/0! #DIV/0! out of
Existing Cred.Rating #DIV/0! 100
Rating prop.for pricing

PREVIOUS YEAR'S CRA

STATE BANK OF INDIA Branch :

Name of Company: sanoj kumar potdar

CREDIT RISK ASSESSMENT
DATA AS ON 31.03.2007 sanoj kumar potdar
CREDIT RISK ASSESSMENT 31.03.2007
(A) FINANCIAL RISK PARAMETERS
GO TOP RISK HISTOR. RISK INDUST. RISK DYNAMIC -- INDUSTRY AVERAGE
ACTUALS MARKS WEIGHT Score LEVEL AVG. MARKS LEVEL AVG. MARKS LEVEL C.R TOL/TNW PAT / Net Inv.+Rec.Sales
31.03.2007 Sales % (days)
CURRENT RATIO #DIV/0! #DIV/0! 5 #DIV/0! #DIV/0! 0.00 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 1.
TOL/TNW #DIV/0! #DIV/0! 5 #DIV/0! #DIV/0! 0.00 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 2
PBIDT/INTT. #DIV/0! #DIV/0! 2 #DIV/0! #DIV/0! 3
PAT/NET SALES (%) #DIV/0! #DIV/0! 2 #DIV/0! #DIV/0! 0.00 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 4
ROCE (%) #DIV/0! #DIV/0! 2 #DIV/0! #DIV/0!
INV.+REC./SALES (DAYS) ### #VALUE! 4 #VALUE! #VALUE! 0 #VALUE! #VALUE! #DIV/0! #DIV/0! #DIV/0! INDUSTRY AVERAGE #DIV/0! #DIV/0! #DIV/0! #DIV/0!

AGGR.FINANCIAL RISK SCORE (OUT OF 100) #DIV/0! #DIV/0! / 8 #DIV/0! / 8 DYNAMIC -- HISTORIC

31.03.98 31.03.99 31.03.00 Hist.Average

(B) QUALITATIVE RISK FACTORS : (Rs. In lacs) CURRENT RATIO
(NEGATIVE SCORE) 0 TOL/TNW
PAT/NET SALES (%)
Inv.+Rec/Sales (days)
FINANCIAL PARAMETERS Score Maximum
i) Static (Weightage 0.5) #DIV/0! 50
ii) Historical #DIV/0! 8
iii) Industry #DIV/0! 8
iv) Qualitative

Total #DIV/0! 66 #DIV/0! /66

MA RKS
(C) INDUSTRY RISK PARAMETERS: AWARD. MAXIMUM
1. COMPETITION & MARKET 4
2. CYCLICALITY 4
3. REGULATORY RISK 4
4. TECHNOLOGY 4
5. USER PROFILE 4
6. INPUT PROFILE 4

SCORE 0 24 0 /24

(D) MANAGEMENT RISK PARAMETERS (WEIGHTAGE 0.5)

1. INTEGRITY 4
2. EXPERTISE 4
3. TRACK RECORD 4
4. STRUCTURE & SYSTEM 4
5. CAPITAL MARKET N.A
SCORE 0 16 0 /10

TOTAL MARKS #DIV/0! #DIV/0! /100

Credit Rating #DIV/0!
STATE BANK OF INDIA

sanoj kumar potdar

CREDIT RISK ASSESSMENT:
DATA AS ON : 31.03.2008

(A) FINANCIAL RISK PARAMETERS

Weig- RISK
ACTUALS MARKS htage Score LEVEL
31.03.2008
CURRENT RATIO #DIV/0! #DIV/0! 5 #DIV/0! #DIV/0!
TOL/TNW #DIV/0! #DIV/0! 5 #DIV/0! #DIV/0!
PBIDT/INTT. #DIV/0! #DIV/0! 2 #DIV/0! #DIV/0!
PAT/NET SALES (%) #DIV/0! #DIV/0! 2 #DIV/0! #DIV/0!
ROCE (%) #DIV/0! #DIV/0! 2 #DIV/0! #DIV/0!
INV.+REC./SALES (DAYS) #VALUE! #VALUE! 4 ### #VALUE!

AGGR.FINANCIAL RISK SCORE (OUT OF 100) #DIV/0!

(B) QUALITATIVE RISK FACTORS :

(NEGATIVE SCORE, enter with "-" minus sign) 0

(C) INDUSTRY RISK PARAMETERS:

1. COMPETITION & MARKET AT PAR
2. CYCLICALITY AT PAR
3. REGULATORY RISK ABOVE PAR
4. TECHNOLOGY AT PAR
5. USER PROFILE AT PAR
6. INPUT PROFILE AT PAR

(D) MANAGEMENT RISK PARAMETERS

1. INTEGRITY ABOVE PAR
2. EXPERTISE AT PAR
3. TRACK RECORD AT PAR
4. STRUCTURE & SYSTEM AT PAR
5. CAPITAL MARKET NOT APPLIC.

Overall Risk Level Score #DIV/0!

Credit Rating Proposed #DIV/0!
Credit Rating Existing
Rating for Pricing

CRA PREVIOUS YEAR

STATE BANK OF INDIA

CREDIT RISK ASSESSMENT:
DATA AS ON : 30-Dec-99

(A) FINANCIAL RISK PARAMETERS

Weig- RISK
ACTUALS MARKS htage Score LEVEL
30-Dec-99
CURRENT RATIO #DIV/0! #DIV/0! 5 #DIV/0! #DIV/0!
TOL/TNW #DIV/0! #DIV/0! 5 #DIV/0! #DIV/0!
PBIDT/INTT. #DIV/0! #DIV/0! 2 #DIV/0! #DIV/0!
PAT/NET SALES (%) #DIV/0! #DIV/0! 2 #DIV/0! #DIV/0!
ROCE (%) #DIV/0! #DIV/0! 2 #DIV/0! #DIV/0!
INV.+REC./SALES (DAYS) #VALUE! #VALUE! 4 ### #VALUE!

AGGR.FINANCIAL RISK SCORE (OUT OF 100) #DIV/0!

(B) QUALITATIVE RISK FACTORS :

(NEGATIVE SCORE, enter with "-" minus sign) 0

(C) INDUSTRY RISK PARAMETERS:

1. COMPETITION & MARKET AT PAR
2. CYCLICALITY AT PAR
3. REGULATORY RISK AT PAR
4. TECHNOLOGY AT PAR
5. USER PROFILE AT PAR
6. INPUT PROFILE AT PAR

(D) MANAGEMENT RISK PARAMETERS

1. INTEGRITY ABOVE PAR
2. EXPERTISE AT PAR
3. TRACK RECORD AT PAR
4. STRUCTURE & SYSTEM AT PAR
5. CAPITAL MARKET NOT APPLIC.

Overall Risk Level Score #DIV/0!

Credit Rating Proposed #DIV/0!
Credit Rating Existing
STATE BANK OF INDIA

sanoj kumar potdar

CREDIT RISK ASSESSMENT:
DATA AS ON : 31.03.2008

(A) FINANCIAL RISK PARAMETERS

Weig- RISK
ACTUALS MARKS htage Score LEVEL
31.03.2008
CURRENT RATIO #DIV/0! #DIV/0! 5 #DIV/0! #DIV/0!
TOL/TNW #DIV/0! #DIV/0! 5 #DIV/0! #DIV/0!
PBIDT/INTT. #DIV/0! #DIV/0! 2 #DIV/0! #DIV/0!
PAT/NET SALES (%) #DIV/0! #DIV/0! 2 #DIV/0! #DIV/0!
ROCE (%) #DIV/0! #DIV/0! 2 #DIV/0! #DIV/0!
INV.+REC./SALES (DAYS) #VALUE! #VALUE! 4 ### #VALUE!

AGGR.FINANCIAL RISK SCORE (OUT OF 100) #DIV/0!

(B) QUALITATIVE RISK FACTORS :

(NEGATIVE SCORE, enter with "-" minus sign) 0

(C) INDUSTRY RISK PARAMETERS:

1. COMPETITION & MARKET AT PAR
2. CYCLICALITY AT PAR
3. REGULATORY RISK ABOVE PAR
4. TECHNOLOGY AT PAR
5. USER PROFILE AT PAR
6. INPUT PROFILE AT PAR

(D) MANAGEMENT RISK PARAMETERS

1. INTEGRITY ABOVE PAR
2. EXPERTISE AT PAR
3. TRACK RECORD AT PAR
4. STRUCTURE & SYSTEM AT PAR
5. CAPITAL MARKET NOT APPLICABLE

Overall Risk Level Score #DIV/0!

Credit Rating Proposed #DIV/0!
Credit Rating Existing
Rating for Pricing

Previous year's CRA

sanoj kumar potdar
CREDIT RISK ASSESSMENT:
DATA AS ON : 31.03.2007
(A) FINANCIAL RISK PARAMETERS
Weig- RISK
ACTUALS MARKS htage Score LEVEL
31.03.2007
CURRENT RATIO #DIV/0! #DIV/0! 5 #DIV/0! #DIV/0!
TOL/TNW #DIV/0! #DIV/0! 5 #DIV/0! #DIV/0!
PBIDT/INTT. #DIV/0! #DIV/0! 2 #DIV/0! #DIV/0!
PAT/NET SALES (%) #DIV/0! #DIV/0! 2 #DIV/0! #DIV/0!
ROCE (%) #DIV/0! #DIV/0! 2 #DIV/0! #DIV/0!
INV.+REC./SALES (DAYS) #VALUE! #VALUE! 4 ### #VALUE!

AGGR.FINANCIAL RISK SCORE (OUT OF 100) #DIV/0!

(B) QUALITATIVE RISK FACTORS :

(NEGATIVE SCORE, enter with "-" minus sign) 0

(C) INDUSTRY RISK PARAMETERS:

1. COMPETITION & MARKET AT PAR
2. CYCLICALITY AT PAR
3. REGULATORY RISK ABOVE PAR
4. TECHNOLOGY AT PAR
5. USER PROFILE AT PAR
6. INPUT PROFILE AT PAR

(D) MANAGEMENT RISK PARAMETERS

1. INTEGRITY ABOVE PAR
2. EXPERTISE AT PAR
3. TRACK RECORD AT PAR
4. STRUCTURE & SYSTEM AT PAR
5. CAPITAL MARKET NOT APPLIC.

Overall Risk Level Score #DIV/0!

Credit Rating Proposed #DIV/0!
Credit Rating Existing
Rating for Pricing