Wils24
Student
Mandar D Rane
Audit, Finance And Accounts

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Can anyone please tell me how to prepare a Project Report for submission to Bank for getting Loan for a new Business.
If possible please send me a Excel sheet or Word file containing project Report
at
Thanks in Advance
Mandar D Rane

a sample of the project report is given below--

M/S














PROJECTED PROFITABILITY



Rs in Lacs

Particulars 2006-07 2007-08 2008-09 2009-10 2010-11 2011-12 Actual Actual Provsional Projected Projected Projected INCOME






SALES
224.36 386.46 1,185.00 1,410.00 1,550.00 1,620.00 INCENTIVE, COMMISSION & OTHER INCOME 5.81 13.51 15.00 20.00 25.00 30.00









230.17 399.97 1,200.00 1,430.00 1,575.00 1,650.00 EXPENSE






OPENING STOCK
- 6.86 33.45 208.33 216.67 237.50 PURCHASE
205.75 355.64 1,250.00 1,300.00 1,425.00 1,465.00

205.75 362.50 1,283.45 1,508.33 1,641.67 1,702.50 CLOSING STOCK
6.86 33.45 208.33 216.67 237.50 244.17 COST OF SALES
198.89 329.05 1,075.12 1,291.67 1,404.17 1,458.33 SALARIES & WAGES
7.17 12.65 25.00 27.00 30.00 34.00 CONVEYANCE
0.28 0.72 2.50 5.00 7.00 8.00 STAFF WELFARE
0.10 0.41 0.75 1.25 2.00 2.00 ELECTRICITY CHARGES
2.12 5.52 7.50 10.00 12.50 13.00 TELEPHONE CHARGES
1.05 2.64 3.25 5.00 7.00 7.50 OFFICE EXPENSES
1.18 1.93 2.00 3.00 4.00 4.50 GENERAL EXPENSES
0.03 0.10 0.15 0.25 0.50 1.00 PRINTING & STATIONERY
0.38 0.65 0.75 0.90 1.00 1.25 LEGAL & PROFESSIONAL FEES
0.27 0.67 0.50 0.50 0.50 0.50 ADMINISTRATIVE & SELLING EXPS
15.80 34.36 55.00 50.00 65.00 70.00









227.27 388.70 1,172.52 1,394.57 1,533.67 1,600.08







N/P BEFORE DEP, INTEREST & TAX
2.90 11.27 27.48 35.43 41.33 49.92 RATIO
1.26% 2.82% 2.29% 2.48% 2.62% 3.03% LESS : DEPRECIATION
0.38 1.64 2.39 2.39 2.39 2.39 N/P BEFORE INTEREST & TAX
2.52 9.63 25.09 33.04 38.94 47.53 LESS : INTEREST
0.59 5.04 16.00 17.50 20.00 22.00 N/P AFTER DEPRECIATION & INTEREST 1.93 4.59 9.09 15.54 18.94 25.53







PAYMENT OF TAXES
0.94 2.07 3.09 5.28 6.44 8.68







NET PROFIT AFTER TAX
0.99 2.52 6.00 10.26 12.50 16.85







RATIO
0.43% 0.63% 0.50% 0.72% 0.79% 1.02%







CASH ACCRUALS
1.42 4.21 8.44 12.70 14.95 19.29















M/S














PROJECTED BALANCE SHEET


Rs in Lacs


LIABILITIES 2006-07 2007-08 2008-09 2009-10 2010-11 2010-11 Actual Actual Provsional Projected Projected Projected CAPITAL ACCOUNT
5.00 65.00 90.00 90.00 90.00 90.00 RESERVES & SURPLUS
0.99 3.51 9.51 19.77 32.28 49.13 UNSECURED LOANS


- - - - TERM LOAN
0.43 8.63 55.75 44.60 33.45 25.09 WORKING CAPITAL TERM LOAN
- 14.47 - - - - CASH CREDIT
28.00 32.94 175.00 175.00 200.00 200.00 DEFERRED TAX
0.24 0.95 1.00 1.10 1.25 1.40









34.66 125.50 331.27 330.48 356.98 365.62

ASSESTS














FIXED ASSETS
14.71 38.53 111.14 108.75 106.36 103.97







CURRENT ASSETS, LOANS & ADVANCES





CASH & BANK BALANCE
0.89 14.38 4.10 8.84 12.70 16.45 CLOSING STOCK
6.86 33.45 208.33 216.67 237.50 244.17 SUNDRY DEBTORS
20.27 29.98 98.75 117.50 129.17 135.00 LOANS & ADVANCES
32.25 47.98 35.00 42.00 55.00 63.11

60.27 125.79 346.18 385.01 434.37 458.73 LESS: CURRENT LIABILITIES






CREDITORS FOR EXPENSES
1.31 3.40 22.00 55.00 65.00 75.00 CREDITORS FOR GOODS
39.23 35.59 104.17 108.33 118.75 122.08

40.54 38.99 126.17 163.33 183.75 197.08







NET CURRENT ASSETS
19.73 86.80 220.02 221.67 250.62 261.64







MISC EXPENDITURE
0.22 0.17 0.11 0.06 - -









34.66 125.50 331.27 330.48 356.98 365.61

-












M/S














PROJECTED FUNDS FLOW STATEMENT


Rs in Lacs

SOURCES 2006-07 2007-08 2008-09 2009-10 2010-11 2010-11 Actual Actual Provisional Projected Projected Projected CASH ACCRUALS
1.42 4.21 8.44 12.70 14.95 19.29 ISSUE OF SHARES
5.00 60.00 25.00 - - - INCREASE/(DECREASE) IN DEFERRED TAX 0.24 0.71 0.05 0.10 0.15 0.15 INCREAE IN CASH CREDIT
28.00 4.94 142.06 - 25.00 - INCREAE IN UNSECURED LOANS
- - - - - - INCREASE/(DECREASE) IN WORKING CAPITAL T/L - 14.47 (14.47) - - - INCREAE/(DECREASE) IN TERM LOAN 0.43 8.20 50.00


INCREASE/(DECREASE) IN CURRENT LIABILITIES 40.54 (1.55) 87.18 37.17 20.42 13.33

75.63 90.98 298.26 49.97 60.51 32.78







APPLICATION






PURCHASE OF FIXED ASSETS
16.35 25.46 75.00 - - - INCREASE/(DECREASE) IN CASH & BANK BALANCE 0.89 13.49 (10.27) 4.74 3.86 3.75 INCREASE/(DECREASE) IN CLOSING STOCK 6.86 26.59 174.87 8.33 20.83 6.67 INCREASE IN SUNDRY DEBTORS
20.27 9.71 68.77 18.75 11.67 5.83 REPAYMENT OF TERM LOAN
- - 2.88 11.15 11.15 8.36 INCREASE IN LOANS & ADVANCES
32.25 15.73 (12.99) 7.00 13.00 8.11

- -













76.62 90.98 298.26 49.97 60.51 32.72







IMPORTANT RATIOS






CURRENT RATIO
1.49 3.23 2.74 2.36 2.36 2.33 PROPRIETORY RATIO
14% 52% 27% 27% 25% 25% DEBT EQUITY RATIO
4.75 0.61 2.32 2.00 1.91 1.62 RETURN ON CAPITAL EMPLOYED
5.60% 3.66% 2.75% 4.70% 5.31% 6.98% INTEREST COVERAGE RATIO
4.92 2.24 1.72 2.02 2.07 2.27 DEBT SERVICE COVERAGE RATIO
3.31 0.51 2.93 1.14 1.34 2.31

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