Eligibility
Amita Mansinghani ( Prop.
Shri Ganesh Impex)
ITR Filling Date
Income Before Tax
Depreciation
Interest paid to loan
AY-2015-16 AY-2014-15 Average Eligibility
Less Tax Paid
Total (A)
Appraised Monthly Income
Appraised Obligations
Max FOIR (for a combined LTV
and FOIR of 140)
Max EMI
Tenor (Months)
Rate Of Interest
EMI Factor
Eligibility(Rs. In lacs)
9/24/2015
11/20/2014
1,093,779
106,129
28,981
729,186
126,506
39,647
911483
116318
34314
100%
67%
100%
(135,416)
1,093,473
(62,095)
833,244
-98756
100%
RECOMMENDATION
Tenor (Months)
Rate Of Interest
EMI Factor
Loan Amt(Rs. In lacs)
EMI
Actual FOIR
Value based on Market valuation
LTV
LTV and FOIR
Eligible
Income
911,483
77,549
34,314
(98,756)
924,590
77,049
90.00%
69,344
240
9.95%
961.71
72.11
240
9.95%
961.71
77.00
74,052
96.11%
PNI
#VALUE!
#VALUE!
Eligibility
Amita Mansinghani (Prop.
AY-2015- AY-2014-15 Average
Shri Ganesh Impex)
16
Current Year's Turnover
28,196,935
28196935
Average of Latest Two Years
28,196,935 17,078,600
22637768
turnover
150% of the previous years
25,617,900
25617900
net turnover
Lower of the all three above
Less Interest on Working
Capital
Total
Appraised Monthly Income
Appraised Obligations
Max FOIR (for a combined LTV
and FOIR of 140)
Max EMI
Tenor (Months)
Rate Of Interest
EMI Factor
Eligibility(Rs. In lacs)
RECOMMENDATION
Tenor (Months)
Rate Of Interest
EMI Factor
Loan Amt(Rs. In lacs)
EMI
Actual FOIR
Value based on Market
valuation
LTV
LTV and FOIR
Margin
9%
9%
9%
Calculation
2,537,724
2,037,399
2,305,611
2,037,399
2,037,399.1
169,783
65.00%
110,359
240
9.95%
961.71
114.75
240
9.95%
961.71
100.00
96,171
56.64%
PNI
#VALUE!
#VALUE!
FINANCIAL ANALYSIS
M/S Shri Ganesh Impex
I
INCOME STATEMENT ANALYSIS
INR in Lacs
A.Y 2015-16
Variation Analysis
A.Y 2014-15
A.Y 2015-16
A.Y 2013-14
Comments
I1
Turnover / Gross Receipts
281.97
170.79
65.10%
90.81
I2
Expenses
270.01
160.02
68.74%
84.65
I3
Gross Profit
11.96
10.77
11.06%
6.16
I4
Overheads
4.63
2.22
108.51%
1.87
I5
Loss/Profit on Sale of Fixed Assets
and other non cash items
#DIV/0!
I6
Depreciation on Tangible Fixed Asset
1.06
1.27
-16.11%
1.19
Turnover / Gross Receipts
I7
Operating Expenses
5.69
3.49
63.29%
3.07
Other Income
I8
Operating EBIT
6.27
7.28
-13.94%
3.09
Profit Before Taxes
I9
Exceptional Income / (Expense)
I10
Other Income / (Expense)
I11
Interest Expense
I12
Profit Before Taxes
I13
Income Tax
I14
Deffered Tax
I15
Profit After Tax
I16
Previous year's Adjustments
I17
Net Income
I18
Director Remuneration
I19
Proposed Dvidends
I20
Profit Carried Forward
BALANCE SHEET ANALYSIS
Financial summary ( Rs in Lacs)
Particulars
#DIV/0!
6.04
0.01
#DIV/0!
12.30
7.29
1.35
0.62
10.95
6.67
10.95
6.67
Debtors
66978.89%
0.17
Sundry Creditors-For Goods
68.75%
3.26
Secured loans (including CC limits)
118.08%
0.03
Unsecured loans
#DIV/0!
64.15%
3.23
Inventories (closing stock)
Tax
TDS
#DIV/0!
64.15%
3.23
#DIV/0!
-
#DIV/0!
10.95
6.67
INR in Lacs
A.Y 2015-16
64.15%
3.23
Variation Analysis
A.Y 2014-15
A.Y 2015-16
2.65
7.84
-66.21%
#DIV/0!
A.Y 2013-14
Comments
Assets
B1
Cash and Cash Eqivalents
B2
Deposits
B3
Debtors
B5
Loans and advances
B6
Inventories (closing stock)
B7
Other Current Assets
B8
Total Current Assets
B9
Investments
B10
Total Fixed Assets
B11
Total Assets
176.48
0.23
69.04
44.56
#DIV/0!
2.12
29.11
3.78%
31.13
0.79
2.27
-65.13%
1.00
210.35
108.25
94.33%
81.70
30.21
155.63%
2.89
7.48
4.65
60.97%
3.65
27.09
27.62
-1.91%
28.30
244.93
140.51
74.31%
113.65
151.82
92.90
63.42%
77.96
12.06
4.11
193.22%
0.21
#DIV/0!
Liabilities
B12
Sundry Creditors-For Goods
B13
Sundry Creditors-For Expenses
B14
Taxes Payable
B15
Advances received
B15A
Proposed Dividends
B16
Other Current Liabilities
B17
Bank overdraft limit
B18
Total Current Liabilities
B19
Secured loans (including CC limits)
B20
#DIV/0!
#DIV/0!
1.19
2.67
-55.24%
2.08
#DIV/0!
165.08
99.68
65.60%
2.05
3.11
-34.23%
4.07
Unsecured loans
49.73
17.68
181.28%
13.50
B21
Total Long Term Debt
51.78
20.79
149.02%
17.57
B22
Deffere Tax Liability/(Asset)
B33
Total Liabilities
B34
Issued & Paid up Capital/ Partners Ca
B35
General Reserves
#DIV/0!
B36
Balance in Profit & Loss a/c
#DIV/0!
B37
Misc Expenditure
B38
Total Net Worth
B39
Total Liabilities and Equity
B40
Contingent Liabilites
B41
Balance Sheet Check (+/-)
RATIO ANALYSIS
80.25
#DIV/0!
216.86
120.48
80.00%
97.83
28.07
20.04
40.08%
15.82
#DIV/0!
28.07
20.04
40.08%
15.82
244.93
140.51
74.31%
113.65
0.00
0.00
A.Y 2015-16
A.Y 2014-15
Comments
Liquidity/Activity Ratios
R1
Current Ratio (X)
1.27
1.09
1.02
R2
Quick Asset Ratio (X)
1.09
0.79
0.63
R3
Debt - equity ratio
1.84
1.04
1.11
Efficency Ratios
R3
Days Receivable (Yr on Yr)
228.45
147.54
179.09
R4
Days Inventory (Yr on Yr)
40.83
66.39
134.24
R5
Days Payable (Yr on Yr)
205.23
211.91
336.16
R6
Fixed Asset Turnover (X)
10.31
6.11
#VALUE!
Profitability Ratios
R7
Gross Profit Margin (%)
4.24%
6.31%
6.78%
R8
Net Profit Margin (%)
4.36%
4.27%
3.59%
R9
Operating Margin
2.22%
4.26%
3.40%
R10
Total Revenue Growth (%)
65.10
88.07
#VALUE!
#DIV/0!
#DIV/0!
#DIV/0!
11.46
14.26
13.92
2.79
3.19
3.34
Others
R11
Operating EBIT / Gross Interest (X)
R13
Total Assets/Net Worth
R14
Total Liabilities/Net Worth
A.Y 2015-16
281.97
6.04
12.30
176.48
151.82
30.21
2.05
49.73
1.35
-
ial summary ( Rs in Lacs)
A.Y 2014-15 A.Y 2013-14
170.79
90.81
0.01
0.17
7.29
3.26
69.04
44.56
92.90
77.96
29.11
31.13
3.11
4.07
17.68
13.50
0.62
0.03
-
CASH FLOW ANALYSIS
A.Y 2015-16
A.Y 2014-15
INR
I)
INR
INR
INR
CASH FLOW FROM OPERATION
Net Income
10.95
Add:
Depriciation
1.06
1.27
Less:
Other Income
(6.04)
(0.01)
Add:
Loss/Profit on Sale of Fixed Assets and other
non cash items
Add:
Tax Provision
1.35
0.62
Add:
Deferred Tax
Add:
Interest Expenses
Add:
Directors Remuneration
Add:
Dividend
7.33
8.55
Operating Profit Before Working Capital Changes
Add:
Movement in Net Current Assets
Deposits
Debtors
(107.45)
(24.48)
Loans and advances
(0.23)
2.12
Inventories (closing stock)
(1.10)
2.03
1.48
(1.27)
58.92
14.94
7.95
3.90
Dividends
Advances received
Other Current Assets
Sundry Creditors- For Goods
Sundry Creditors- For Expenses
Other Current Liabilities
Net Operation Cash Flow Before Tax
Less:
6.67
Tax Paid
(1.47)
0.59
(34.57)
6.38
(1.35)
(0.62)
(35.92)
II)
5.76
CASH FLOW FROM INVESTING ACTIVITY
Investments
Other Income
Investment in Fixed Assets
(2.83)
(1.00)
6.04
0.01
(0.53)
(0.59)
2.67
III)
(1.58)
CASH FLOW FROM FINANCING ACTIVITY
Secured Loans
(1.07)
Unsecured Loans
32.05
4.18
Increase in Equity
(2.92)
(2.45)
Interest Paid
Directors Remuneration
NET CASH FLOW GENERATED DURING THE YEAR
OPENING CASH BALANCE
(0.96)
28.07
0.77
(5.19)
4.95
7.84
2.89
OPENING BANK OD BALANCE
#REF!
#VALUE!
CLOSING CASH/BANK BALANCE
#REF!
#VALUE!
2.65
7.84
CASH BALANCE AS PER FINANCIALS
BANK OVERDRAFT BALANCE AS PER FINANCIALS
Check
#REF!
#VALUE!
Financial summary ( Rs in Lacs)
A.Y 2015-16 A.Y 2014-15 A.Y 2013-14
281.97
170.79
90.81
Turnover / Gross Receipts
6.04
0.01
0.17
Other Income
12.30
7.29
3.26
Profit Before Taxes
176.48
69.04
44.56
Debtors
151.82
92.90
77.96
Sundry Creditors-For Goods
30.21
29.11
31.13
Inventories (closing stock)
2.05
3.11
4.07
Secured loans (including CC limits)
49.73
17.68
13.50
Unsecured loans
Tax
1.35
0.62
0.03
TDS
D Vat
#REF!
Annualized Banking for company
SBI CA A/c no. 30024696132 Shri Gan
###
Particulars
AL
SBI
###
Teno Balan Loan
r
ce
Amoun
Tenor
t
60
10
5.10
N
Dec-15
Start
date
Oct-15
Bank
Nov-15
1
11294
2
3
4
5
Total
11294
FOIR
Obligatio
00
ns
Purpo
se
Sep-15
EMI
FOIR
S. No
15 15 15 17
Feb-16
Jan-16
Comments on RTR
15 15 Emi Repayment track from SBI CA A/c no. 30024696132 Shri Ganesh
Impex
POS(PNB
HFL
Loans)
0.84162
Property Address
and Usage
Property
Owner
Cash Flow Calculator
Particulars of Bank Statements 2015
SBI CA A/c no. 30024696132 Shri Ganesh Impex
Grand Total
Annualised Banking
Annual Sales
BTO
Sep
Oct
Nov
Dec
Jan
1893000.00 1657600.00 2291500.00 1012000.00 1786938.00
1893000.00 1657600.00 2291500.00 1012000.00 1786938.00
19607076
282
6953619.60
Feb
Grand Total
1162500.00
1162500.00
9803538.00
9803538.00
Annualised
19607076
19607076
S No
Queries