cma_15.05.2010 for manotra ji ubi
TRANSCRIPT
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ASSESSMENT OF WORKING CAPITAL REQUIREMENTS
FORM II - OPERATING STATEMENT
Name: RAJ BUILDCON CONSTRUCTION LIMITED
CMA DATA
Amounts in Rs. LAC
Last 2 Years Actuals Current Yr. Next Year
(As per audited accounts) Estimates Projections
Year 31!ar"# 31!ar1" 31!ar11 31!ar12
. G!oss S"#$s 12 12 12 12
i. $urno%er durin& t'e ear (or*done) 1+",.#- 3+/.+ /,""."" -,"".""
ii. Export 0ales "."" "."" "."" ".""
iii. Export ncenti%es "."" "."" "."" ".""
$otal 1+",.#- 3+/.+ /,""."" -,"".""
2. Less Excise ut "."" "."" "."" ".""
3. Net 0ales (1 2) 1+",.#- 3+/.+ /,""."" -,"".""
. a&e rise (4) or 5all () in net sales
N6A 1,/., -.,2 3".++
%. Cost o& S"#$s
i. 7a8 materials (includin& stores and
ot'er items used in t'e process o5
manu5acture) 0.00 0.00 0.00 0.00
a. mported
9. ndi&enous 1113.-2 31/.2 +,"."" ,-/,.""
ii. t'er 0pares "."" "."" "."" ".""
a. mported "."" "."" "."" ".""
9. ndi&enous ##./- 12#.1, 1/,."" 1+,.""
iii. Po8er and ;uel 1/.-, 33./3 "."" ,".""
i%. irect La9our (;actor 8a&es < salaries) 3"."/ ,,.- /,"."" -,".""
%. t'er expenses "."" "."" "."" ".""
%i. epreciation -.31 ,.1- +,."" -,.""
%ii. 0u9total (i to %i) 1/1-.+2 3-1-./- ,/-"."" +"2,.""
%iii. Add: penin& 0toc*inprocess 11#.13 2+#.33 2#,.2" ,,".""
0u9total (%ii 4 %iii) 1+3+.-, "#-."1 ,#+,.2" +,+,.""
as compared to pre%ious ear (annualised )
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ix. educt: Closin& 0toc*inprocess 2+#.33 2#,.2" ,,"."" /,".""
x. Cost o5 Production 1,-.,2 3-"2.-1 ,2,.2" /#2,.""
xi. Add: penin& 0toc* o5 5inis'ed &oods "."" "."" "."" ".""
0u9total (x 4 xi) 1,-.,2 3-"2.-1 ,2,.2" /#2,.""
xii. educt: Closin& 0toc* o5 5inis'ed &oods "."" "."" "."" ".""
'iii. (%).%* +),*.) %(*%.*, *%.,,
/. 0ellin&= &eneral and administrati%e expenses 1#1.,# 32.2/ ,,"."" -,".""
+. 0u9total (, 4 /) 1/,".11 12+."+ ,#+,.2" +++,.""
). %%.)/ *(.(, %*(.), /*%.,,
#. nterest 31.1# ".2/ /,."" #,.""
,. *(.) *,.( (%.), +,.,,
11. i. Add: t'er nonoperatin& ncome
a. Pro5it on sale o5 ;ixed Assets "."" "."" "."" ".""
9. t'er ncome 1,.,+ 13.- 1,."" 2".""
c.
d.
0u9total (ncome) 1,.,+ 13.- 1,."" 2".""
ii. educt: t'er nonoperatin& expenses
a. >ad e9ts ritten 55 "."" "."" "."" ".""
9.
c.
d.
0u9total (Expenses) "."" "."" "."" ".""
iii. Net o5 ot'er nonoperatin& income 6
expenses ?net o5 11(i) < 11(ii)@ 1,.,+ 13.- 1,."" 2".""
*. (,.*% ***.) (/(.), %,.,,
13. Pro%ision 5or taxes includin& ;>$ 1/.2 +,.", 1,#.-" 22".""
(. *(., (/.+ +%.,, (+,.,,
1,. a. Euit di%idend paidamount
(Alread paid 4 >.0. pro%ision) "."" "."" "."" ".""
9. i%idend 7ate ( a&e)
. *(., (/.+ +%.,, (+,.,,
1+. 7etained Pro5it 6 Net Pro5it ( a&e) 1""."" 1""."" 1""."" 1"".""
0u9total 0Tot"# Cost o& S"#$s1
O2$!"tin3 P!o&it 4$&o!$ Int$!$st (3 +)
O2$!"tin3 P!o&it "&t$! Int$!$st (- #)
P!o&it 4$&o!$ t"'5#oss ?1" 4 11(iii)@
N$t P!o&it 5 Loss (12 13)
R$t"in$6 P!o&it (1 1,)
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FORM III - ANAL7SIS OF BALANCE S8EET
LIABILITIES
Name: RAJ BUILDCON CONSTRUCTION LIMITED
Amounts in Rs. LACLast 2 Years Actuals Current Yr. Next Year
(As per audited >0) Estimates Projections
Year 31!ar"# 31!ar1" 31!ar11 31!ar12
No.of months 12 12 12 12
CURRENT LIABILITIES
1. 0'ortterm 9orro8in& 5rom 9an*s (includin&
9ills purc'ased= discounted < excess
9orro8in& placed on repament 9asis)
i. ;rom applicant 9an* 1/2.21 /""."" /"".""
ii. ;rom ot'er 9an*s ,./" "."" "."" ".""
iii. (o5 8'ic' >P < >)
,./" 1/2.21 /""."" /"".""
2. 0'ort term 9orro8in&s 5rom ot'ers 1""."" 11,.3 "."" ".""
3. 0undr Creditors ($rade) 12/.1- 1-2.2+ 1-#."" 2+.""
. Ad%ance paments 5rom customers 6
deposits 5rom dealers "."" "."" "."" ".""
,. Pro%ision 5or taxation 1/.2 +,.", 1,#.-" 22".""
/. i%idend paa9le "."" "."" "."" ".""
+. t'er statutor lia9ilities (due 8it'in 1 ear) 2-.2" 2.+, ,.," +.,"
-. eposits 6 instalments o5 term loans 6
PBs 6 de9entures etc. (due 8it'in 1 ear) "."" "."" "."" ".""
#. t'er current lia9ilities < pro%isions
8.70 14.08 18.00 20.00
a. Expenses Paa9le -.+" 1."- 1-."" 2".""
9.
c.
d.
2+#.32 3-#.# 3+2.3" ,21.,"
,. 333.#2 ,,1.+" #+2.3" 1121.,"
0u9total ?i 4 ii@ (A)
(due 8it'in 1 ear) specify major items
0u9 total ?2 to #@ (>)
Tot"# 9u!!$nt #i"4i#iti$s ?A 4 >@
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TERM LIABILITIES
11. e9entures (not maturin& 8it'in 1 ear) "."" "."" "."" ".""
12. Pre5erence 0'ares (redeema9le a5ter 1 ear) "."" "."" "."" ".""
13. $erm loans (excludin& instalmentspaa9le 8it'in 1 ear) 1/.#3 11/."" 22/."" 13/.""
1. e5erred Pament Credits (excludin&
instalments due 8it'in 1 ear) "."" "."" "."" ".""
1,. $erm deposits (repaa9le a5ter 1 ear) 3#.,# 31-.13 3,"."" 3,".""
1/. t'er term lia9ilities "."" "."" "."" ".""
/. #/.,2 3.13 ,+/."" -/.""
). -3". #-,.-3 1,-.3" 1/"+.,"
NET WORT8
1#. rdinar 0'are Capital 1,"."" ""."" ""."" "".""
2". Beneral 7eser%e "."" 1,"."" ,"."" -,".""
21. 7e%aluation 7eser%e "."" "."" "."" ".""
22. t'er 7eser%es (excludin& Pro%isions) "."" "."" "."" ".""
23. 0urplus (4) or de5icit () in Pro5it < Loss a6c 2,.+" 23./3 3-./3 /-./3
23. a. 0'are Application !one ".#3 "."" ,""."" ,"".""
*(. N$t Wo!t: *.+ %/+.+ +)).+ )).+
*%. ,(/.,/ %%.( *+.+ +(*.+
Tot"# T$!m Li"4i#iti$s ?11 to 1/@
Tot"# Outsi6$ Li"4i#iti$s ?1" 4 1+@
TOTAL LIABILITIES ?1- 4 2@
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ASSETS
N"m$; RAJ BUILDCON CONSTRUCTION LIMITED
Amounts in Rs. LAC
Last 2 Years Actuals Current Yr. Next Year
(As per audited >0) Estimates Projections
Year 31!ar"# 31!ar1" 31!ar11 31!ar12
No.of months 12 12 12 12
CURRENT ASSETS
2/. Cas' and >an* >alances -/.3/ ,."2 /."3 -,.#,
2+. n%estments (ot'er t'an lon& term)i. Bo%t. and ot'er trustee securities "."" "."" "."" ".""
ii. ;ixed eposits 8it' 9an*s 1+-.-2 13".2+ +,"."" +,".""
2-. i. 7ecei%a9les ot'er t'an de5erred <
exports (incld&. 9ills purc'ased and
discounted 9 9an*s) 1/1.#1 2,.,3 -""."" #"".""
ii. Export recei%a9les (incld&. 9ills
purc'ased6discounted 9 9an*s) "."" "."" "."" ".""
2#. nstalments o5 de5erred recei%a9les
(due 8it'in 1 ear)
3". n%entor: 279.33 295.20 550.00 650.00
i. 7a8 materials (includin& stores and
ot'er items used in t'e process o5 manu5acture) 0.00 0.00 0.00 0.00
a. mported "."" "."" "."" ".""
9. ndi&enous "."" "."" "."" ".""
ii. 0toc*sinprocess 2+#.33 2#,.2" ,,"."" /,".""
iii. ;inis'ed &oods "."" "."" "."" ".""
i%. t'er consuma9le spares 0.00 0.00 0.00 0.00
a. mported "."" "."" "."" ".""
9. ndi&enous "."" "."" "."" ".""
31. Ad%ances to suppliers o5 ra8 materials
and stores6spares "."" "."" "."" ".""
32. Ad%ance pament o5 taxes 2,.1" 11,.2- 1"."" 1#".""33. 7.93 142.75 150.00 175.00
a. !isc. current assets +.#3 12.+, 1,"."" 1+,.""
9. ncenti%es recei%a9le "."" "."" "."" ".""
c. Excise ut "."" "."" "."" ".""
d.
+(. /+.(% +.,% *(%(.,+ */%,.%
FORM III - ANAL7SIS OF BALANCE S8EET (Continued)
t'er current assets (speci5 major items)
Tot"# Cu!!$nt Ass$ts (2/ to 33)
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FIloc* (land= 9uildin&= mac'iner=
8or*inpro&ress) 3,.2# 3/1./ ,,"."" +,".""
3/. epreciation to date -.31 ,.1- +,."" -,.""
3+. Net >loc* (3, 3/) 3",.#- 3"+./ +,."" //,.""
OT8ER NON-CURRENT ASSETS
3-. n%estments69oo* de9ts6ad%ances6deposits
8'ic' are not current assets 0.00 85.83 5.00 7.50
i. a. n%estments in su9sidiar
companies 6 a55iliates "."" "."" "."" ".""
9. t'ers "."" 2.-- ,."" +.,"
ii. Ad%ances to suppliers o5 capital &oods
and contractors "."" -2.#, "."" ".""
iii. e5erred recei%a9les (maturit
exceedin& 1 ear) "."" "."" "."" ".""
i%. t'ers 0.00 0.00 0.00 0.00
a.
9.
c.
d. 7ecei%a9les. o%er / mont's
3#. Nonconsuma9le stores and spares "."" "."" "."" ".""
". t'er noncurrent assets includin&
dues 5rom directors "."" "."" "."" ".""
(. ,.,, )%.)+ %.,, /.%,
2. ntan&i9le Assets (patents= &ood 8ill=
prelim.expenses= 9ad 6 dou9t5ul de9ts not
pro%ided 5or= etc. 1./ 3.12 2.#" 2./-(+. ,(/.,/ %%.( *+.+ +(*.+
. 21.## ,+".,1 13-,.+3 1-1,.#,
(%. (,%.%+ .+% ()./+ *.(%
/. 2.21 2.11 2.,2 2.,
+. $otal $0E Lia9ilities 6 $an&i9le
3.-/ 1.+3 1.12 ".-#
-. $otal $E7! Lia9ilities 6 $an&i9le
2.31 ".+/ ".2 ".2+
ADDITIONAL INFORMATION
A. Arrears o5 depreciation N6A N6A N6A N6A
>. Contin&ent Lia9ilities:
i. Arrears o5 cumulati%e di%idends N6A N6A N6A N6A
ii. Bratuit lia9ilit not pro%ided 5or N6A N6A N6A N6A
iii. isputed excise 6 customs 6
tax lia9ilities N6A N6A N6A N6A
i%. t'er lia9ilities not pro%ided 5or N6A N6A N6A N6A
Tot"# Ot:$! Non-9u!!$nt Ass$ts (3- to ")
Tot"# Ass$ts (343+4142)
$an&i9le Net ort' (2 2)
N$t Wo!=in3 C"2it"# (3 1")
Current 7atio (3 6 1")
Net ort' (1- 6 )
Net ort' (1+ 6 )
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CMA-FMT+C 0u&&estions : Email to ca.ram&uptaDraj&roup.net
+-M"!-, +-M"!-, +-M"!- +-M"!-*
1"+."+ 1,,#./ 2#3/.#3 32/.13
1"+."+ 1,,#./ 2#3/.#3 32/.13
i55erence "."" "."" "."" ".""
$allies $allies $allies $alliesno no no
Curr. 7atio 2.21 2.11 2.,2 2.,
$L6$N 3.-/ 1.+3 1.12 ".-#
Le%els permitted 6 assumed As per last sanction
".""
".""
2.3" ".#3 1.22 1.13 ".""
".""
1.1 1.1+ 1.- 1.2+ ".""
F6"G F6"G F6"G F6"G ".""
Inst!u9tions
s'eet area in cells c,3 and c,- 5or correct %alue o5 sundr creditors to purc'ases (das) in C3
2. $o c'ec* 5or errors= press HControl 4 EI
3. n ;orm 6 = C7A and ;inparam s'eets= areas s'aded in ello8 represent unprotected cells 5or data input
. 'en printin& ;orm= note t'at column J is not printed. se print pre%ie8 to ma*e adjustment.
,. 'en enterin& data in ;orm and ;orm= pls ensure t'at space 9ar is not pressed in a 9lan*
cell. 'ile t'e cell 8ill appear empt= Excel reads it as nonnumeric data and &enerates
error messa&e KFALEK in an dependent cell.
$otal Lia9ilities
$otal Assets
epreciation
7! (imported)
7! (indi&.)
0P
;inis'ed Boods
7ecei%a9les
0undr Cred.
1. a) n ;orm= ;orm and else8'ere= areas s'aded in 9lue represent 5ormulas not to 9e altered
9) n 5inparam= openin& stoc* o5 imp.ra8 material and indi&.ra8 material to 9e entered in 8or*
c) Ensure to enter recei%a9les o%er six mont's in ;orm= ;12# 5or correct C7A ratin&
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FORM I>
COMPARATI>E STATEMENT OF CURRENT ASSETS AND CURRENT LIABILITIES
Name: RAJ BUILDCON CONSTRUCTION LIMITED
Amounts in Rs. LAC
No Last Yr. Current Yr. Next Year Pea*
rms Actuals Estimates Projections 7emt.
Year 31!ar1" 31!ar11 31!ar12
A. CURRENT ASSETS
1. 7a8 materials (incl. stores < ot'er items
used in t'e process o5 manu5acture)
a. mported "."" "."" ".""
!ont's Consumption
9. ndi&enous "."" "."" ".""
!ont's Consumption
2. t'er Consuma9le spares= excludin&t'ose included in 1 a9o%e
a. mported "."" "."" ".""
!ont's Consumption
9. ndi&enous "."" "."" ".""
!ont's Consumption
3. 0toc*inprocess 2#,.2" ,,"."" /,".""
!ont's cost o5 production (".#3) (1.22) (1.13)
. ;inis'ed &oods "."" "."" ".""
!ont's cost o5 sales
,. 7ecei%a9les ot'er t'an export < de5erred
recei%a9les (incl. 9ills purc'ased <
discounted 9 9an*ers) 2,.,3 -""."" #"".""
!ont's domestic sales: excludin&
de5erred pament sales (1.1+) (1.-) (1.2+)
/. Export recei%a9les (incl. 9ills purc'ased
and discounted) "."" "."" ".""
!ont's export sales
+. Ad%ances to suppliers o5 ra8 materials <
stores 6 spares= consuma9les "."" "."" ".""
-. t'er current assets incl. cas' < 9an*
9alances < de5erred recei%a9les due
8it'in one ear 442.32 1104.03 1200.95
Cas' and >an* >alances ,."2 /."3 -,.#,
n%estments (ot'er t'an lon& term):i. Bo%t. and ot'er trustee securities "."" "."" ".""
ii. ;ixed eposits 8it' 9an*s 13".2+ +,"."" +,".""
nstalments o5 de5erred recei%a9les
(due 8it'in 1 ear) "."" "."" ".""
Ad%ance pament o5 taxes 11,.2- 1"."" 1#".""
t'er current assets 12.+, 1,"."" 1+,.""
. Tot"# Cu!!$nt Ass$ts +.,% *(%(.,+ */%,.%($o a&ree 8it' item 3 in ;orm )
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FORM I>
COMPARATI>E STATEMENT OF CURRENT ASSETS AND CURRENT LIABILITIES
N"m$; RAJ BUILDCON CONSTRUCTION LIMITED
Amounts in Rs. LAC
Last Year Current Yr. Next Year Pea*
Norm Actuals Estimates Projections euiremen
Year 31!ar1" 31!ar11 31!ar12
B. CURRENT LIABILITIES
(Other than an! orro"in#s for "or!in# capita$%
1". Creditors 5or purc'ase o5 ra8 materials=
stores < consuma9le spares 1-2.2+ 1-#."" 2+.""
!ont's purc'ases F6"G F6"G F6"G
11. Ad%ances 5rom customers "."" "."" ".""
12. 0tatutor lia9ilities 2.+, ,.," +.,"
13. t'er current lia9ilities: 204.47 177.80 240.00 0'ort term 9orro8in&s 5rom ot'ers 11,.3 "."" ".""
Pro%ision 5or taxation +,.", 1,#.-" 22".""
i%idend paa9le "."" "."" ".""
eposits 6 instalments o5 term loans 6 PBs
6 de9entures etc. (due 8it'in 1 ear) "."" "."" ".""
t'er current lia9ilities < pro%isions
(due 8it'in 1 ear) 1."- 1-."" 2".""
(. +).( +/*.+, %*.%,Tot"# ($o a&ree 8it' total > o5 ;orm)
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FORM I>
COMPARATI>E STATEMENT OF CURRENT ASSETS AND CURRENT LIABILITIES
Name: RAJ BUILDCON CONSTRUCTION LIMITED
Amounts in Rs. LAC
No Last 2 Years Actuals Current Yr. Next Year Pea*
rms (As per audited accounts) Estimates Projections 7emt.
Year 31!ar"# 31!ar1" 31!ar11 31!ar12
A. CURRENT ASSETS
1. 7a8 materials (incl. stores < ot'er items
used in t'e process o5 manu5acture)
a. mported "."" "."" "."" ".""
!ont's Consumption
9. ndi&enous "."" "."" "."" ".""
!ont's Consumption
2. t'er Consuma9le spares= excludin&t'ose included in 1 a9o%e
a. mported "."" "."" "."" ".""
!ont's Consumption
9. ndi&enous "."" "."" "."" ".""
!ont's Consumption
3. 0toc*inprocess 2+#.33 2#,.2" ,,"."" /,".""
!ont's cost o5 production (2.3") (".#3) (1.22) (1.13)
. ;inis'ed &oods "."" "."" "."" ".""
!ont's cost o5 sales
,. 7ecei%a9les ot'er t'an export < de5erred
recei%a9les (incl. 9ills purc'ased < discounted 9 9an*ers) 1/1.#1 2,.,3 -""."" #"".""
!ont's domestic sales: excludin&
de5erred pament sales (1.1) (1.1+) (1.-) (1.2+)
/. Export recei%a9les (incl. 9ills purc'ased
and discounted) "."" "."" "."" ".""
!ont's export sales
+. Ad%ances to suppliers o5 ra8 materials <
stores 6 spares= consuma9les "."" "."" "."" ".""
-. t'er current assets incl. cas' < 9an*
9alances < de5erred recei%a9les due
8it'in one ear 298.21 442.32 1104.03 1200.95
Cas' and >an* >alances -/.3/ ,."2 /."3 -,.#,
n%estments (ot'er t'an lon& term):
i. Bo%t. and ot'er trustee securities "."" "."" "."" ".""
ii. ;ixed eposits 8it' 9an*s 1+-.-2 13".2+ +,"."" +,".""
nstalments o5 de5erred recei%a9les
(due 8it'in 1 ear) "."" "."" "."" ".""
Ad%ance pament o5 taxes 2,.1" 11,.2- 1"."" 1#".""
t'er current assets +.#3 12.+, 1,"."" 1+,.""
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. Tot"# Cu!!$nt Ass$ts /+.(% +.,% *(%(.,+ */%,.%($o a&ree 8it' item 3 in ;orm )
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t
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FORM >
COMPUTATION OF MA
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LAC
Pea*
7emt.
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FORM >I
FUNDS FLOW STATEMENT
Name: RAJ BUILDCON CONSTRUCTION LIMITED
Amounts in Rs. LAC
Last Yr. Current Yr. Next Year
Actuals Estimates Projections
Year 31!ar1" 31!ar11 31!ar12
1. SOURCES
a. Net Pro5it 1+.#3 31,."" 3".""
9. epreciation ,.-+ 2".-2 1".""
c. ncrease in Capital 2,"."" "."" ".""
d. ncrease in $erm Lia9ilities
(includin& Pu9lic eposits) 11.-+
e. ecrease in
i. ;ixed Assets
ii. t'er noncurrent Assets -1.",
5. t'ers ,""."" ".""
&. $$AL "3.-" 1",-.+ ".""
2. USES
a. Net loss
9. ecrease in $erm Lia9ilities
(includin& Pu9lic eposits) /2.3# #".""
c. ncrease in
i. ;ixed Assets +.3, 1--.3/ 2"".""
ii. t'er noncurrent Assets -+.31 2.2-
d. i%idend Paments "."" "."" ".""
e. t'ers ".#3
5. $$AL 1#+.#- 1--.3/ 2#2.2-
3. 2",.-2 -+".3- 1+.+2
. ncrease6decrease in current assets
M (as per details &i%en 9elo8) 23./" 12#".#- 2#/.#2
,. ncrease6decrease in current lia9ilities
ot'er t'an 9an* 9orro8in&s 11".1+ 1+.1# 1#.2"
/. ncrease6decrease in 8or*in& capital &ap 313.3 13"-.1+ 1+.+2
+. Net 0urplus 6 e5icit () ?3/@ 1"+./1 3+.+# ".""
-. ncrease6decrease in 9an* 9orro8in&s 1"+./1 3+.+# ".""
#. ncrease6decrease in NE$ 0ALE0 2/+".# 2123.,3 2""".""
M >rea* up o5 item
Lon& $erm 0urplus (4) 6 e5icit () ?12@
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i. ncrease6decrease in 7a8 !aterials "."" "."" ".""
ii. ncrease6decrease in 0toc*sinProcess 1,.-+ 2,.-" 1"".""
iii. ncrease6decrease in ;inis'ed Boods "."" "."" ".""
i%. ncrease6decrease in 7ecei%a9les
a) omestic 2/3./2 3+.+ 1"".""9) Export "."" "."" ".""
%. ncrease6decrease in 0tores < 0pares "."" "."" ".""
%i. ncrease6decrease in ot'er current assets 1.11 //1.+1 #/.#2
$$AL 23./" 12#".#- 2#/.#2
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FORM >I
FUNDS FLOW STATEMENT
Name: RAJ BUILDCON CONSTRUCTION LIMITED
Amounts in Rs. LAC
Last 2 Years Actuals Current Yr. Next Year
(As per audited accounts) Estimates Projections
Year 31!ar"# 31!ar1" 31!ar11 31!ar12
1. SOURCES
a. Net Pro5it 2."1 1+.#3 31,."" 3".""
9. epreciation -.31 ,.-+ 2".-2 1".""
c. ncrease in Capital 1,"."" 2,"."" "."" ".""
d. ncrease in $erm Lia9ilities(includin& Pu9lic eposits) #/.,2 11.-+
e. ecrease in
i. ;ixed Assets
ii. t'er noncurrent Assets -1.",
5. t'ers 2./2 ,""."" ".""
&. $$AL +/1./ "3.-" 1",-.+ ".""
2. USES
a. Net loss
9. ecrease in $erm Lia9ilities
(includin& Pu9lic eposits) /2.3# #".""
c. ncrease in
i. ;ixed Assets 3,.2# +.3, 1--.3/ 2"".""
ii. t'er noncurrent Assets 1./ -+.31 2.2-
d. i%idend Paments "."" "."" "."" ".""
e. t'ers ".#3
5. $$AL 3,,.#3 1#+.#- 1--.3/ 2#2.2-
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3. ",.,3 2",.-2 -+".3- 1+.+2
. ncrease6decrease in current assets
M (as per details &i%en 9elo8) +3#., 23./" 12#".#- 2#/.#2
,. ncrease6decrease in current lia9ilities
ot'er t'an 9an* 9orro8in&s 2+#.32 11".1+ 1+.1# 1#.2"
/. ncrease6decrease in 8or*in& capital &ap /".13 313.3 13"-.1+ 1+.+2
+. Net 0urplus 6 e5icit () ?3/@ ,./" 1"+./1 3+.+# ".""
-. ncrease6decrease in 9an* 9orro8in&s ,./" 1"+./1 3+.+# ".""
#. ncrease6decrease in NE$ 0ALE0 N6A 2/+".# 2123.,3 2""".""
M >rea* up o5 item
i. ncrease6decrease in 7a8 !aterials "."" "."" "."" ".""
ii. ncrease6decrease in 0toc*sinProcess 2+#.33 1,.-+ 2,.-" 1"".""
iii. ncrease6decrease in ;inis'ed Boods "."" "."" "."" ".""
i%. ncrease6decrease in 7ecei%a9les
a) omestic 1/1.#1 2/3./2 3+.+ 1"".""
9) Export "."" "."" "."" ".""
%. ncrease6decrease in 0tores < 0pares "."" "."" "."" ".""
%i. ncrease6decrease in ot'er current assets 2#-.21 1.11 //1.+1 #/.#2
$$AL +3#., 23./" 12#".#- 2#/.#2
Lon& $erm 0urplus (4) 6 e5icit () ?12@
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DEBT SER>ICE CO>ERAGE RATIO;
(7s. in Lac)
S!. P"!ti9u#"!s +-M"!-, +-M"!-, +-M"!- +-M"!-* Tot"#
1 Net Pro5it a5ter $ax 2."1 1+.#3 31,."" 3"."" #1/.#
2 epreciation -.31 ,.1- +,."" -,."" 2/2.#
3 nterest on $erm Loan /.2 -.", 1/.2, 31."1 /1.,,
Tot"# +-.,/ 21".1/ "/.2, ,/."1 12".#-
7epament o5 $erm Loan 2.," 1,.+, 2-.2, 3-.3# -.-#
,. nterest on $erm Loan /.2 -.", 1/.2, 31."1 /1.,,
Tot"# -.+ 23.-" .," /#." 1/.
Bross .0.C.7 -.## -.-3 #.13 +.-+ -.+
A%era&e Bross .0.C.7 -.+
A%era&e Net .0.C.7 2.2,
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PROJECTED BALANCE S8EET;
s (7s. in crores)
2""+ 2""- 2""#
A. LIABILITIES;
0'ort term 9an* 9orro8in&s
0undr creditors
Ad%ances 5rom customers
t'er current lia9ilities
nsecured Loans
$erm Loans
0ecurit 7ecei%ed
Paid p Capital
0'are Premium
Beneral 7eser%e
.$.L
$$AL
>. ASSETS;
Cas' and 9an* 9alances
;7
7ecei%a9les
7a8 materials
0toc* in process
;inis'ed &oods
0tores < spares
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Ad%ances to suppliers
t'er current Assets
Ad%ance Pament o5 $ax
ncenti%e 7ecei%a9le
;ixed assets (Net 9loc*)
0ecurities 6Non current assets
ntan&i9le Assets
$$AL
PROJECTED OPERATING STATEMENTS;
*,,/ *,,) *,, *,,
omestic 0ales
Export 0ales
Export ncenti%es
Less : Excise ut
N$t S"#$s
7a8 materials
t'er consuma9le stroes
Po8er and 5uel
irect la9our
t'er manu5acturin& expenes
epreciation
Add: penin& stoc* in process
Less: Closin& stoc* in process
Add: penin& 5inis'ed &oods
Less: Closin& 5inis'ed &oods
0ellin&= &eneral < admn. Expenses
0> $$AL
peratin& pro5it 9e5ore interest
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Less : nterest
Pro5its a5ter interest
Nonperatin& ncome
Less : Pro%ision 5or taxPro5its a5ter tax
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TERM LOAN REPA7MENT SC8EDULE
st 7$"! OPENING INTEREST TOTAL PRINCIPAL TOTAL BALANCE
BALANCE *.%,? AMOUNT REPA7MENT
1 32=,""="""."" 33-=,1./+ 32=-3-=,1./+ 23=#"-.33 ,-2=,"."" 32=2,/="
2 32=2,/="#2."" 33/=""".#/ 32=,#2="#2.#/ 2/=#." ,-2=,"."" 32=""#=/3 32=""#=/3."" 333=33.+- 32=33="+/.+- 2#="1/.22 ,-2=,"."" 31=+/"=/
31=+/"=/2+."" 33"=-3#.-/ 32="#1=//.-/ 2,1=/1".1 ,-2=,"."" 31=,"#="
, 31=,"#="1+."" 32-=21-.#3 31=-3+=23,.#3 2,=231."+ ,-2=,"."" 31=2,=+
/ 31=2,=+-/."" 32,=,+"./# 31=,-"=3,/./# 2,/=-+#.31 ,-2=,"."" 3"=##+=#
+ 3"=##+=#"+."" 322=-#.-/ 31=32"=-"1.-/ 2,#=,,,.1 ,-2=,"."" 3"=+3-=3
- 3"=+3-=3,2."" 32"=1#1.1+ 31=",-=,3.1+ 2/2=2,-.-3 ,-2=,"."" 3"=+/="
# 3"=+/="#3."" 31+=,#.3" 3"=+#3=,,2.3" 2/=##".+" ,-2=,"."" 3"=211=1
1" 3"=211=1"2."" 31=/#-.#- 3"=,2,=-"".#- 2/+=+,1."2 ,-2=,"."" 2#=#3=3
11 2#=#3=3,1."" 311=#"#.#1 3"=2,,=2/".#1 2+"=,"."# ,-2=,"."" 2#=/+2=-
12 2#=/+2=-11."" 3"#="#1.+- 2#=#-1=#"2.+- 2+3=3,-.22 ,-2=,"."" 2#=3##=
+@)))@)%.) +@,,@%(). @)@(,,.,,
n6 7$"!
1 2#=3##=,3."" 3"/=2.3" 2#=+",=/#+.3" 2+/=2",.+" ,-2=,"."" 2#=123=2
2 2#=123=2+."" 3"3=3/+.1/ 2#=2/=/1.1/ 2+#="-2.- ,-2=,"."" 2-=-=1
3 2-=-=1/."" 3""=/"." 2#=1=/2." 2-1=#-#.#/ ,-2=,"."" 2-=,/2=1
2-=,/2=1+."" 2#+=,22./, 2-=-,#=/#/./, 2-=#2+.3, ,-2=,"."" 2-=2++=2
, 2-=2++=2+."" 2#=,,.// 2-=,+1=-"1.// 2-+=-#,.3 ,-2=,"."" 2+=#-#=3
/ 2+=#-#=3,2."" 2#1=,,,.+, 2-=2-"=#"+.+, 2#"=-#.2, ,-2=,"."" 2+=/#-=
+ 2+=/#-=,-."" 2--=,2,./" 2+=#-/=#-3./" 2#3=#2." ,-2=,"."" 2+="=,
- 2+="=,3."" 2-,=/3.#" 2+=/-#=##+.#" 2#/=#-/.1" ,-2=,"."" 2+=1"+=,
# 2+=1"+=,-."" 2-2=3+".2# 2+=3-#=#1-.2# 3""="+#.+1 ,-2=,"."" 2/=-"+=
1" 2/=-"+=/-."" 2+#=2./ 2+="-/=+12./ 3"3=2",., ,-2=,"."" 2/=,"=2
11 2/=,"=2/2."" 2+/="-/."/ 2/=+-"=3-."/ 3"/=3/3.# ,-2=,"."" 2/=1#+=-
12 2/=1#+=-#-."" 2+2=-#.++ 2/=+"=+#2.++ 3"#=,,,.23 ,-2=,"."" 2,=---=3
+@(/)@*).( +@%@,.+ @)@(,,.,,
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!6 7$"!
1 2,=---=33."" 2/#=/+".2 2/=1,-="13.2 312=++#.+/ ,-2=,"."" 2,=,+,=,
2 2,=,+,=,/3."" 2//=12.11 2,=-1=#+,.11 31/="3+.-# ,-2=,"."" 2,=2,#=,
3 2,=2,#=,2,."" 2/3=12".", 2,=,22=/,.", 31#=32#.#, ,-2=,"."" 2=#"=1
2=#"=1#,."" 2,#=+#3.+" 2,=1##=#--.+" 322=/,/.3" ,-2=,"."" 2=/1+=,
, 2=/1+=,3#."" 2,/=32.+" 2=-+3=#+1.+" 32/="1+.3" ,-2=,"."" 2=2#1=,
/ 2=2#1=,22."" 2,3="3/./# 2=,=,,-./# 32#=13.31 ,-2=,"."" 23=#/2=1
+ 23=#/2=1"#."" 2#=/",.3" 2=211=+1.3" 332=-.+" ,-2=,"."" 23=/2#=2
- 23=/2#=2/."" 2/=13-.1+ 23=-+,="2.1+ 33/=311.-3 ,-2=,"."" 23=2#2=#
# 23=2#2=#,2."" 22=/3.#2 23=,3,=,-/.#2 33#=-1,."- ,-2=,"."" 22=#,3=1
1" 22=#,3=13+."" 23#="#,.1- 23=1#2=232.1- 33=3,.-2 ,-2=,"."" 22=/"#=+
11 22=/"#=+-2."" 23,=,1-.,/ 22=-,=3"".,/ 3/=#31. ,-2=,"."" 22=2/2=-
12 22=2/2=-,1."" 231=#".+" 22=#=+,,.+" 3,"=,,.3" ,-2=,"."" 21=#12=3
+@,+@+*.+* +@/@,+/.) @)@(,,.,,
t: 7$"!
1 21=#12=3"/."" 22-=2,3.1# 22=1"=,,#.1# 3,=1#/.-1 ,-2=,"."" 21=,,-=12 21=,,-=1"#."" 22=,/3./ 21=+-2=/+2./ 3,+=--/.3/ ,-2=,"."" 21=2""=2
3 21=2""=223."" 22"=-3,.// 21=21=",-.// 3/1=/1.3 ,-2=,"."" 2"=-3-=/
2"=-3-=/"#."" 21+="/-.- 21=",,=/++.- 3/,=3-1.1/ ,-2=,"."" 2"=+3=2
, 2"=+3=22-."" 213=2/2.+# 2"=/-/=#".+# 3/#=1-+.21 ,-2=,"."" 2"=1"="
/ 2"=1"="1."" 2"#=1+."# 2"=313=,-."# 3+3="32.#1 ,-2=,"."" 1#=+31="
+ 1#=+31=""-."" 2",=,31.33 1#=#3/=,3#.33 3+/=#1-./+ ,-2=,"."" 1#=3,="
- 1#=3,="-#."" 2"1=/",."# 1#=,,,=/#."# 3-"=-.#1 ,-2=,"."" 1-=#+3=2
# 1-=#+3=2."" 1#+=/3+.#/ 1#=1+"=--1.#/ 3-=-12." ,-2=,"."" 1-=,--=
1" 1-=,--=32."" 1#3=/2#.," 1-=+-2="/1.," 3--=-2".," ,-2=,"."" 1-=1##=/
11 1-=1##=/12."" 1-#=,+#.2# 1-=3-#=1#1.2# 3#2=-+".+1 ,-2=,"."" 1+=-"/=+
12 1+=-"/=+1."" 1-,=-/.-# 1+=##2=22+.-# 3#/=#/3.11 ,-2=,"."" 1+="#=+*@()@)/.*/ (@%,*@%*)./+ @)@(,,.,,
t: 7$"!
1 1+="#=++-."" 1-1=3,1.-, 1+=,#1=12#.-, "1="#-.1, ,-2=,"."" 1+=""-=/
2 1+=""-=/-"."" 1++=1+3.+, 1+=1-,=-,3.+, ",=2+/.2, ,-2=,"."" 1/=/"3=
3 1/=/"3="."" 1+2=#,2.13 1/=++/=3,/.13 "#=#+.-+ ,-2=,"."" 1/=1#3=#
1/=1#3=#"/."" 1/-=/-/.,2 1/=3/2=,#2.,2 13=+/3.- ,-2=,"."" 1,=+-"=1
, 1,=+-"=13."" 1/=3+/.# 1,=#=,1#.# 1-="+3.,1 ,-2=,"."" 1,=3/2="
/ 1,=3/2="/#."" 1/"="21.,, 1,=,22="#".,, 22=2-., ,-2=,"."" 1=#3#=/
+ 1=#3#=/1."" 1,,=/21.2/ 1,="#,=2/2.2/ 2/=-2-.+ ,-2=,"."" 1=,12=-
- 1=,12=-12."" 1,1=1+,.13 1=//3=#-+.13 31=2+.-+ ,-2=,"."" 1="-1=,
# 1="-1=,3+."" 1/=/-2./- 1=22-=21#./- 3,=+/+.32 ,-2=,"."" 13=/,=+
1" 13=/,=++"."" 12=13. 13=+-+=#13. "=3"/.,/ ,-2=,"."" 13=2",=
11 13=2",=/3."" 13+=,,/.#1 13=33="1#.#1 =-#3."# ,-2=,"."" 12=+/"=,
12 12=+/"=,+"."" 132=#22./" 12=-#3=#2./" #=,2+." ,-2=,"."" 12=311="
@),@(.+ %@,)@/+%. @)@(,,.,,
t: 7$"!
1 12=311="3."" 12-=2"."3 12=3#=2-3."3 ,=2"#.#+ ,-2=,"."" 11=-,/=-
2 11=-,/=-33."" 123=,"-./- 11=#-"=31./- ,-=#1.32 ,-2=,"."" 11=3#+=-
3 11=3#+=-#2."" 11-=+2-." 11=,1/=/2"." /3=+21.#/ ,-2=,"."" 1"=#3=1 1"=#3=1+"."" 113=-#+./" 11="-="/+./" /-=,,2." ,-2=,"."" 1"=/,=/
, 1" /, /1- "" 1"# "1/ -, 1" ,+ /3 -, +3 33 1, ,-2 ," "" # ##2 1
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+ #=,13=-2"."" ##=1"2.2# #=/12=#22.2# -3=3+.+1 ,-2=,"."" #="3"=
- #="3"=+2."" #="/+.2 #=12=,3#.2 --=3-2.,- ,-2=,"."" -=,2="
# -=,2="-#."" --=#-"."# -=/31="/#."# #3=/#.#1 ,-2=,"."" -="-=/
1" -="-=/1#."" -3=-3#.+- -=132=,-.+- #-=/1".22 ,-2=,"."" +=,,"="
11 +=,,"=""#."" +-=/,.#3 +=/2-=/,.#3 ,"3=-"."+ ,-2=,"."" +="/=2
12 +="/=2",."" +3=3#+.#+ +=11#=/"2.#+ ,"#=",2."3 ,-2=,"."" /=,3+=1
@*%@%,.( %@//+@),., @)@(,,.,,
t: 7$"!
1 /=,3+=1,3."" /-="#,.3 /=/",=2-.3 ,1=3,.// ,-2=,"."" /="22=+
2 /="22=+#-."" /2=+3+.- /="-,=,3,.- ,1#=+12.,2 ,-2=,"."" ,=,"3="
3 ,=,"3="-,."" ,+=323.-" ,=,/"="-.-" ,2,=12/.2" ,-2=,"."" =#++=#
=#++=#,#."" ,1=-,3.+ ,="2#=-12.+ ,3"=,#/.2/ ,-2=,"."" =+=3
, =+=3/3."" /=32/.+" =#3=/-#.+" ,3/=123.3" ,-2=,"."" 3=#11=2
/ 3=#11=2"."" "=+2."- 3=#,1=#-2."- ,1=+"+.#2 ,-2=,"."" 3=3/#=,
+ 3=3/#=,32."" 3,="##.2# 3="=/31.2# ,+=3,".+1 ,-2=,"."" 2=-22=1
- 2=-22=1-1."" 2#=3#+.+2 2=-,1=,+-.+2 ,,3=",2.2- ,-2=,"."" 2=2/#=1# 2=2/#=12#."" 23=/3/.+/ 2=2#2=+/,.+/ ,,-=-13.2 ,-2=,"."" 1=+1"=3
1" 1=+1"=31/."" 1+=-1,.+# 1=+2-=131.+# ,/=/3.21 ,-2=,"."" 1=1,=/
11 1=1,=/-2."" 11=#3.1# 1=1,+=/1/.1# ,+"=,1,.-1 ,-2=,"."" ,+,=1
12 ,+,=1//."" +=2-.31 ,-2=,".31 ,+,=1/,./# ,-2=,".""
(%*@*(/.*, @%+/@%*.), @)@(,,.,,
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RAJ BUILDCON CONSTRUCTION LIMITED
P$!&o!m"n9$ "n6 Fin"n9i"# In6i9"to!s Amounts in 7s. LAC
audited audited estimate projection
+-M"!-, +-M"!-, +-M"!- +-M"!-*
1 Net 0ales 1+",.#- 3+/.+ /,""."" -,"".""
2 P>$ ".2, 222.#- +.-" /,".""
3 P>$60ales 2.3/ ,."# +.3" +./,
PA$ 2."1 1+.#3 31,."" 3".""
, Cas' Accruals +2.32 2"2.11 3#"."" ,1,.""
/ Paid up Capital 1,"."" ""."" ""."" "".""
+ $N 21.## ,+".,1 1=3-,.+3 1=-1,.#,
- $L6$N 3.-/ 1.+3 1.12 ".-#
# Current 7atio 2.21 2.11 2.,2 2.,
1" Bro8t' in 0ales -.-, 1,/., -.,2 3".++
E&&i9i$n9 R"tios
11 Net 0ales 6 $otal $an&i9le Assets 1./3 2.-1 2.22 2.-
12 7eturn on Assets (P>$ 6 $$A) 3.-, 1.33 1/.1- 1-.##
13 peratin& Costs 6 0ales 32.1, 1-.,# 1#."- 2".,#
1 >an* ;inance 6 Current Assets () +.3- 13.#, 2., 21.-1
1, # /" +/ /+
1/ peratin& Costs 6 0ales ## #, #3 #3
+-M"!-, +-M"!-, +-M"!- +-M"!-*
1 $otal Curr.Asset ($CA) +3#., 11/3.", 2,."3 2+,".#,
2 t'er Current Lia9ilities (CL) 2+#.32 3-#.# 3+2.3" ,21.,"
3 or*in& Capital Bap /".13 ++3.,/ 2"-1.+3 222#.,
Net or*in&.Cap. (NC) ",.,3 /11.3, 1-1.+3 1/2#.,
, Assess.>*.;inance (A>;) ,./" 1/2.21 /""."" /"".""
/ NC to $CA () ,.- ,2.,/ /".3- ,#.23
+ >*.;inance to $CA() +.3- 13.#, 2., 21.-1
- 0undr Cred.to $CA () 1+."/ 1,./+ +.+" #.#/
# t'er CL (exc.sund.cred) to $CA () 2".+1 1+.-2 +.+ #.""
1" n%entories to Net 0ales(das) /" 2, 31 2-
11 7ecei%a9les to Bross 0ales (das) 3, 3, , 3#
12 0undr Cred.to Purc'ases(das) 1 21 1, 1+
13 P>$ 11#.+, 31+.2 /1.-" -3".""
1 P>$6nterest 3.- +.-- #./ -.+WORKS8EET AREA +-M"!-, +-M"!-, +-M"!- +-M"!-*
1 epreciation -.31 ,.1- +,."" -,.""
2 $otal $an&i9le Assets 1",.3 1,,/.3 2#3."3 323.,
3 peratin& Costs ,-., -13.3+ 12" 1+,"
Po8er < ;uel 1/.-, 33./3 "."" ,"."" irect La9our 3"."/ ,,.- /,"."" -,".""
n%entor and 7ecei%. 6 Net 0ales(das)
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t'er !5&. Expenses "."" "."" "."" ".""
0ellin&= Ben. and Admin. Exp. 1#1.,# 32.2/ ,,"."" -,".""
>an* ;inance ,./" 1/2.21 /""."" /"".""
, n%entor 2+#.33 2#,.2" ,,"."" /,".""
/ 1/1.#1 2,.,3 -""."" #"".""
7ecei%a9les o%er / mont's "."" "."" "."" ".""
+ 0undr Creditors 12/.1- 1-2.2+ 1-#."" 2+.""
- Bross 0ales 1+",.#- 3+/.+ /,""."" -,"".""
# 7a8 !aterial Purc'ases (ndi&en.) 1111.+3 31/.2 +," ,-/,
penin& 0toc* 2."# "."" "."" ".""
Consumption 1113.-2 31/.2 +,"."" ,-/,.""
Closin& 0toc* "."" "."" "."" ".""
1" 7a8 !aterial Purc'ases (mport.) " " "
penin& 0toc* " "."" "."" ".""
Consumption "."" "."" "."" ".""
Closin& 0toc* "."" "."" "."" ".""
11 $otal (mp.4ndi&.) 7.! Purc'. 1111.+3 31/.2 +," ,-/,
END
7ecei%a9les (domestic 4 export)
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STATE BANK OF INDIA >ranc' :
N"m$ o& Com2"n; RAJ BUILDCON CONSTRUCTION LIMITED
CREDIT RISK ASSESSMENT
DATA AS ON +-M"!-,
0A1 FINANCIAL RISK PARAMETERS
RISK RISK
ACTUALS MARKS WEIG8T S9o!$ LE>EL A>G. MARKS LE>EL A
31!ar1"
C77EN$ 7A$ 2.11 , , 2, LL "."" 2 >
$L6$N 1.+3 , , 2, LL .32 2 >
P>$6N$$. +.-- , 2 1" LL
PA$6NE$ 0ALE0 () 3.3- 1 2 2 ".-/ 2 >
7CE () 2".3, , 2 1" LLNF.47EC.60ALE0 (AY0) /" , 2" LL #2 2 >
ABB7.;NANCAL 70Q 0C7E ($ ; 1"") * ) 5 )
0B1 QUALITATI>E RISK FACTORS ; (7s. n lacs)
(NEBA$FE 0C7E= use minus KK si&n) ,
FINANCIAL PARAMETERS S9o!$ M"'imum
i) 0tatic (ei&'ta&e ".,) / ,"
ii) istorical - -
iii) ndustr , -
i%) Rualitati%e "
out o5
Tot"# % %
MA RKS
0C1 INDUSTR7 RISK PARAMETERS; AA7. !AO!!
1. C!PE$$N < !A7QE$ 2
2. CYCLCAL$Y 2
3. 7EBLA$7Y 70Q
. $ECNLBY 3
,. 0E7 P7;LE 3
/. NP$ P7;LE
0C7E ) *( ) out o5
*(
0D1 MANAGEMENT RISK PARAMETERS 0WEIG8TAGE ,.%1
1. N$EB7$Y 2. EOPE7$0E 3
3. $7ACQ 7EC7 3
. 0$7C$7E < 0Y0$E!
,. CAP$AL !A7QE$ 3
SCORE / *, out o5
,
$$AL !A7Q0 )
P!o2os$6 C!$6it R"tin3 SB-* ) out o5
Existin& Cred.7atin& 0>3 ,,
R"tin3 2!o2.&o! 2!i9in3
0$7C N
-
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0$A$E >ANQ ; NA
RAJ BUILDCON CONSTRUCTION LIMITED
C7E$ 70Q A00E00!EN$:
A$A A0 N : +-M"!-,
(A) ;NANCAL 70Q PA7A!E$E70
ei& 70Q
AC$AL0 !A7Q0 'ta&e 0core LEFEL
31!ar1"
C77EN$ 7A$ 2.11 , , 2, LL
$L6$N 1.+3 , , 2, LL
P>$6N$$. +.-- , 2 1" LL
PA$6NE$ 0ALE0 () 3.3- 1 2 2
7CE () 2".3, , 2 1" LL
NF.47EC.60ALE0 (AY0) /".11 , 2" LL
ABB7.;NANCAL 70Q 0C7E ($ ; 1"") #2
(>) RAL$A$FE 70Q ;AC$70 :
(NEBA$FE 0C7E= enter 8it' KK minus si&n) "
(C) N0$7Y 70Q PA7A!E$E70:
1. C!PE$$N < !A7QE$ A$ PA7
2. CYCLCAL$Y A$ PA7
3. 7EBLA$7Y 70Q A>FE PA7
. $ECNLBY A$ PA7
,. 0E7 P7;LE A$ PA7
/. NP$ P7;LE A$ PA7
() !ANABE!EN$ 70Q PA7A!E$E70
1. N$EB7$Y A>FE PA7
2. EOPE7$0E A$ PA7
3. $7ACQ 7EC7 A$ PA7
. 0$7C$7E < 0Y0$E! A$ PA7
,. CAP$AL !A7QE$ N$ APPLC.
%erall 7is* Le%el 0core #2
Credit 7atin& Proposed 0>1
Credit 7atin& Existin&
7atin& 5or Pricin&
C7A P7EF0 YEA7
0$A$E >ANQ ; NA
-
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C7E$ 70Q A00E00!EN$:
A$A A0 N : 3"ec##
(A) ;NANCAL 70Q PA7A!E$E70
ei& 70Q
AC$AL0 !A7Q0 'ta&e 0core LEFEL3"ec##
C77EN$ 7A$ 2.21 , , 2, LL
$L6$N 3.-/ 3 , 1, !
P>$6N$$. 3.- 2 - L
PA$6NE$ 0ALE0 () 1.1 " 2 " CA$N
7CE () 1/.1# 3 2 / !
NF.47EC.60ALE0 (AY0) #." , 2" LL
ABB7.;NANCAL 70Q 0C7E ($ ; 1"") +
(>) RAL$A$FE 70Q ;AC$70 :
(NEBA$FE 0C7E= enter 8it' KK minus si&n) "
(C) N0$7Y 70Q PA7A!E$E70:
1. C!PE$$N < !A7QE$ A$ PA7
2. CYCLCAL$Y A$ PA7
3. 7EBLA$7Y 70Q A$ PA7
. $ECNLBY A$ PA7
,. 0E7 P7;LE A$ PA7
/. NP$ P7;LE A$ PA7
() !ANABE!EN$ 70Q PA7A!E$E70
1. N$EB7$Y A>FE PA7
2. EOPE7$0E A$ PA7
3. $7ACQ 7EC7 A$ PA7
. 0$7C$7E < 0Y0$E! A$ PA7
,. CAP$AL !A7QE$ N$ APPLC.
%erall 7is* Le%el 0core +
Credit 7atin& Proposed 0>3
Credit 7atin& Existin&
-
8/18/2019 CMA_15.05.2010 for Manotra Ji UBI
34/37
-
8/18/2019 CMA_15.05.2010 for Manotra Ji UBI
35/37
-
8/18/2019 CMA_15.05.2010 for Manotra Ji UBI
36/37
0$A$E >ANQ ; NA
7AJ >LCN CN0$7C$N L!$E
C7E$ 70Q A00E00!EN$:
A$A A0 N : 31!ar1"
(A) ;NANCAL 70Q PA7A!E$E70
ei& 70Q
AC$AL0 !A7Q0 'ta&e 0core LEFEL
31!ar1"
C77EN$ 7A$ 2.11 , , 2, LL
$L6$N 1.+3 , , 2, LL
P>$6N$$. +.-- , 2 1" LL
PA$6NE$ 0ALE0 () 3.3- 1 2 2
7CE () 2".3, , 2 1" LL
NF.47EC.60ALE0 (AY0) /".11 , 2" LL
ABB7.;NANCAL 70Q 0C7E ($ ; 1"") #2
(>) RAL$A$FE 70Q ;AC$70 :
(NEBA$FE 0C7E= enter 8it' KK minus si&n) "
(C) N0$7Y 70Q PA7A!E$E70:
1. C!PE$$N < !A7QE$ A$ PA7
2. CYCLCAL$Y A$ PA7
3. 7EBLA$7Y 70Q A>FE PA7
. $ECNLBY A$ PA7
,. 0E7 P7;LE A$ PA7
/. NP$ P7;LE A$ PA7
() !ANABE!EN$ 70Q PA7A!E$E70
1. N$EB7$Y A>FE PA7
2. EOPE7$0E A$ PA7
3. $7ACQ 7EC7 A$ PA7
. 0$7C$7E < 0Y0$E! A$ PA7
,. CAP$AL !A7QE$ N$ APPLCA>LE
%erall 7is* Le%el 0core #2
Credit 7atin& Proposed 0>1
Credit 7atin& Existin&
7atin& 5or Pricin&
Pre%ious ears C7A
7AJ >LCN CN0$7C$N L!$E
C7E$ 70Q A00E00!EN$:
A$A A0 N : 31!ar"#
-
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37/37
(A) ;NANCAL 70Q PA7A!E$E70
ei& 70Q
AC$AL0 !A7Q0 'ta&e 0core LEFEL
31!ar"#
C77EN$ 7A$ 2.21 , , 2, LL
$L6$N 3.-/ 1 , , P>$6N$$. +.-- , 2 1" LL
PA$6NE$ 0ALE0 () 3.3- 1 2 2
7CE () F6"G F6"G 2 F6"G F6"G
NF.47EC.60ALE0 (AY0) /".11 , 2" LL
ABB7.;NANCAL 70Q 0C7E ($ ; 1"") F6"G
(>) RAL$A$FE 70Q ;AC$70 :
(NEBA$FE 0C7E= enter 8it' KK minus si&n) "
(C) N0$7Y 70Q PA7A!E$E70:
1. C!PE$$N < !A7QE$ A$ PA7
2. CYCLCAL$Y A$ PA7
3. 7EBLA$7Y 70Q A>FE PA7
. $ECNLBY A$ PA7
,. 0E7 P7;LE A$ PA7
/. NP$ P7;LE A$ PA7
() !ANABE!EN$ 70Q PA7A!E$E70
1. N$EB7$Y A>FE PA7
2. EOPE7$0E A$ PA7
3. $7ACQ 7EC7 A$ PA7
. 0$7C$7E < 0Y0$E! A$ PA7
,. CAP$AL !A7QE$ N$ APPLC.
%erall 7is* Le%el 0core F6"G
Credit 7atin& Proposed F6"G
Credit 7atin& Existin&
7atin& 5or Pricin&