CMA_15.05.2010 for Manotra Ji UBI

8/18/2019 CMA_15.05.2010 for Manotra Ji UBI

1/37

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 )


2/37

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,)


3/37

FORM III - ANAL7SIS OF BALANCE S8EET

LIABILITIES


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 >@


4/37

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@


5/37

ASSETS

N"m$; RAJ BUILDCON CONSTRUCTION LIMITED

Amounts in Rs. LAC


(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)


6/37

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 )


7/37

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&


8/37

FORM I>

COMPARATI>E STATEMENT OF CURRENT ASSETS AND CURRENT LIABILITIES


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 )


9/37

FORM I>


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)


10/37

FORM I>



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+,.""


11/37

. Tot"# Cu!!$nt Ass$ts /+.(% +.,% *(%(.,+ */%,.%($o a&ree 8it' item 3 in ;orm )


12/37


13/37


14/37


15/37

t


16/37

FORM >

COMPUTATION OF MA


17/37

LAC

Pea*

7emt.


18/37

FORM >I

FUNDS FLOW STATEMENT


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@


19/37

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


20/37

FORM >I

FUNDS FLOW STATEMENT


Amounts in Rs. LAC


(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-


21/37

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@


22/37

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,


23/37

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


24/37

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


25/37

Less : nterest

Pro5its a5ter interest

Nonperatin& ncome

Less : Pro%ision 5or taxPro5its a5ter tax


26/37

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

+@(/)@*).( +@%@,.+ @)@(,,.,,


27/37

!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


28/37

+ #=,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=,".""

(%*@*(/.*, @%+/@%*.), @)@(,,.,,


29/37

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)


30/37

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)


31/37

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


32/37

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


33/37

C7E$ 70Q A00E00!EN$:

A$A A0 N : 3"ec##


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 :


(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


1. N$EB7$Y A>FE PA7

2. EOPE7$0E A$ PA7


. 0$7C$7E < 0Y0$E! A$ PA7


%erall 7is* Le%el 0core +




34/37


35/37


36/37

0$A$E >ANQ ; NA

7AJ >LCN CN0$7C$N L!$E

C7E$ 70Q A00E00!EN$:

A$A A0 N : 31!ar1"


ei& 70Q


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 :


(C) N0$7Y 70Q PA7A!E$E70:

1. C!PE$$N < !A7QE$ A$ PA7

2. CYCLCAL$Y A$ PA7


. $ECNLBY A$ PA7

,. 0E7 P7;LE A$ PA7

/. NP$ P7;LE A$ PA7


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Documents

CMA_15.05.2010 for Manotra Ji UBI