Name : MADHAVI SEEDS Status : Individual

ASSESSMENT OF WORKING CAPITAL REQUIREMENTS

OPERATING STATEMENT
Amounts in : Rupees
2021-2022 2022-2023 2023-2024 2024-2025 2025-2026
Particulars Audited Audited Estimated Provisional Projected
1. Gross Sales
(i) Domestic sales 895.18 1,117.02 1,201.98 1,326.89 1,446.98
(ii) Export Sales 0.00 0.00 0.00 0.00 0.00
(iii)Add other revenue income 0.00 0.00 0.00 0.00 0.00
Total 895.18 1,117.02 1,201.98 1,326.89 1,446.98

2. Less excise duty 0.00 0.00 0.00 0.00 0.00

Deduct other items 0.00 0.00 0.00 0.00 0.00
3. Net Sales(item 1 - item 2) 895.18 1,117.02 1,201.98 1,326.89 1,446.98

4. % age rise (+) or fall (-) in net sales 0.00 24.78 7.61 10.39 9.05

5. Cost of Sales
(i)Raw Material 742.68 1,092.41 1,105.47 1,218.36 1,335.76

(a) Imported 0.00 0.00 0.00 0.00 0.00

(b) Indigenous 742.68 1,092.41 1,105.47 1,218.36 1,335.76
(ii) Other Consumables 0.00 0.00 0.00 0.00 0.00

(a) Imported 0.00 0.00 0.00 0.00 0.00

(b) Indigenous 0.00 0.00 0.00 0.00 0.00
(iii) Packing Material 0.00 0.00 0.00 0.00 0.00

(a) Imported 0.00 0.00 0.00 0.00 0.00

(b) Indigenous 0.00 0.00 0.00 0.00 0.00
(iv) Power and Fuel 1.69 2.50 2.99 3.46 3.95
(v) Direct Labour 14.22 13.98 15.22 16.63 18.08
(vi) Other mfg. expenses 5.47 1.01 2.50 3.05 4.01
(vii) Depreciation 21.82 22.61 24.73 21.76 19.16
(viii) Sub Total (i to vii) 785.88 1,132.51 1,150.91 1,263.26 1,380.96

(ix) Add:Opening stocks-in-Process 0.00 0.00 0.00 0.00 0.00

Sub Total 785.88 1,132.51 1,150.91 1,263.26 1,380.96

(x) Deduct:Closing stocks-in-Process 0.00 0.00 0.00 0.00 0.00

(xi) Cost of Production 785.88 1,132.51 1,150.91 1,263.26 1,380.96

(xii) Add : Opening Stock of Finished

Goods 78.55 11.55 71.96 78.46 86.95
Sub Total 864.43 1,144.06 1,222.87 1,341.72 1,467.91
(xiii) Deduct:Closing stocks of Finished
Goods 11.55 71.96 78.46 86.95 98.65
Sub-Total (Total Cost of Sales) 852.88 1,072.10 1,144.41 1,254.77 1,369.26

6. Selling, general and administrative

exp. 18.37 18.06 19.58 21.86 24.44
7. Sub Total (5+6)(Total Cost of Sales) 871.25 1,090.16 1,163.99 1,276.63 1,393.70

8. Operating Profit before Interest(3-7) 23.93 26.86 37.99 50.26 53.28

9. Interest 14.20 15.71 24.51 33.87 33.87

10. Operating profit after interest (8-9) 9.73 11.15 13.48 16.39 19.41

11. (i) Add other non-operating income

(a) Other Income 0.64 2.31 2.78 3.01 3.54
(b) 0.00 0.00 0.00 0.00 0.00
(c) 0.00 0.00 0.00 0.00 0.00
(d) 0.00 0.00 0.00 0.00 0.00
I - Sub Total (Income) 0.64 2.31 2.78 3.01 3.54

(ii) Deduct other non-operation expenses

(a) 0.00 0.00 0.00 0.00 0.00
(b) 0.00 0.00 0.00 0.00 0.00
(c) 0.00 0.00 0.00 0.00 0.00
(d) 0.00 0.00 0.00 0.00 0.00
II - Sub Total(expenses) 0.00 0.00 0.00 0.00 0.00

III - Net of other non-operation

income/exp. (I - II) 0.64 2.31 2.78 3.01 3.54

12. Profit before tax 10.37 13.46 16.26 19.40 22.95

[10+11(iii)]
13. Provision for taxes 0.00 0.00 0.00 0.00 0.00

Current 0.00 0.00 0.00 0.00 0.00

Deferred 0.00 0.00 0.00 0.00 0.00
14. Net Profit/loss (12-13) 10.37 13.46 16.26 19.40 22.95

15. (a) Equity dividend paid- amount 0.00 0.00 0.00 0.00 0.00
(b) Dividend Rate (in %) 0.00 0.00 0.00 0.00 0.00
16. Retained Profit 10.37 13.46 16.26 19.40 22.95

17. Retained Profit/Net Profit (% Age) 100.00 100.00 100.00 100.00 100.00
Name : MADHAVI SEEDS Status : Individual

ANALYSIS OF BALANCE SHEET

Amounts in : Rupees
2021-2022 2022-2023 2023-2024 2024-2025 2025-2026
Particulars Audited Audited Estimated Provisional Projected
CURRENT LIABILITIES
1. Short-term Borrowing from Banks
(i) From Applicant Bank 0.00 25.25 250.00 250.00 250.00
(ii) From Other Banks 0.00 0.00 0.00 0.00 0.00
(iii) (of which OCC discount) 0.00 0.00 0.00 0.00 0.00
Sub Total(A) 0.00 25.25 250.00 250.00 250.00

2. Short Term Borrowings from Others 0.00 0.00 0.00 0.00 0.00

3. Sundry Creditor (Trade) 209.82 248.20 165.81 145.79 136.29

4. Advance payments from customers/

deposits from dealers 0.00 0.00 0.00 0.00 0.00

5. Provision for taxation 0.00 0.00 0.00 0.00 0.00

6. Dividend payable 0.00 0.00 0.00 0.00 0.00

7. Other statutory liabilities (due within

one year) 0.00 0.00 0.00 0.00 0.00

8. Deposits/Instalments of term loans

(due within one year) 0.00 0.00 0.00 0.00 0.00

9. Other current liabilities

(a) Other Provisions 0.25 0.50 0.25 0.25 0.25
(b) 0.00 0.00 0.00 0.00 0.00
(c) 0.00 0.00 0.00 0.00 0.00
(d) 0.00 0.00 0.00 0.00 0.00

Sub Total (B) 210.07 248.70 166.06 146.04 136.54

10. TOTAL CURRENT LIABILITIES 210.07 273.95 416.06 396.04 386.54

TERM LIABILITIES

11.Debentures 0.00 0.00 0.00 0.00 0.00

12.Preference shares 0.00 0.00 0.00 0.00 0.00

13.Term loans(excld instalments payable

within one year) 88.81 75.00 61.77 61.77 61.77
88.81 75.00 61.77 61.77 61.77
14.Deferred Payment Credits 0.00 0.00 0.00 0.00 0.00

15.Long Term Advances (repayable after

one year) 0.00 0.00 0.00 0.00 0.00

16.Other term liabilities 27.70 17.95 9.85 9.85 9.85

17. TOTAL TERM LIABILITIES 116.51 92.95 71.62 71.62 71.62

18. TOTAL OUTSIDE LIABILITIES

[10+17] 326.58 366.90 487.68 467.66 458.16

NET WORTH

19. Capital 74.50 76.87 122.54 136.79 154.19

20.General Reserves 0.00 0.00 0.00 0.00 0.00

21.Share application money 0.00 0.00 0.00 0.00 0.00

22.Additions 0.00 71.63 0.00 0.00 0.00

23.Surplus or deficit in Profit and loss A/c 10.36 13.45 16.25 19.39 22.93

23a.Drawings -7.99 -39.41 -2.00 -2.00 -2.00

24. NET WORTH 76.87 122.54 136.79 154.18 175.12

25. TOTAL LIABILITIES 403.45 489.44 624.47 621.84 633.28

CURRENT ASSETS

26.Cash and bank balances 4.68 3.49 4.31 4.45 4.99

27. Investments (other than long term

investments) 0.00 0.00 0.00 0.00 0.00
(i) Government and other Trustee
Securities 0.00 0.00 0.00 0.00 0.00
(ii)Fixed deposits with Banks 0.00 0.00 0.00 0.00 0.00

28.(i) Receivables (Debtors < 6 months)

other than deferred and exports(including
bills purchased and discounted by banks) 0.00 0.00 152.48 0.00 0.00
(ii)Export receivables((including bills
purchased and discounted by banks) 0.00 0.00 0.00 0.00 0.00

29. Instalments of deferred

receivables(due within one year) 0.00 0.00 0.00 0.00 0.00

30. Inventory 11.55 71.96 78.46 86.95 98.65

(i) Raw Materials(including stores and
other items used in the process of
manufacture)
a) Imported 0.00 0.00 0.00 0.00 0.00
b) Indigenous 0.00 0.00 0.00 0.00 0.00
(ii) Stocks-in-Process 0.00 0.00 0.00 0.00 0.00
(iii) Finished Goods 11.55 71.96 78.46 86.95 98.65
(iv) Other Consumables
a) Imported 0.00 0.00 0.00 0.00 0.00
b) Indigenous 0.00 0.00 0.00 0.00 0.00
(v) Packing Material
a) Imported 0.00 0.00 0.00 0.00 0.00
b) Indigenous 0.00 0.00 0.00 0.00 0.00

31.Advances to suppliers of raw material,

stores and expenses. 0.00 0.00 0.00 0.00 0.00
32.Advance payment of taxes 0.00 0.00 0.00 0.00 0.00

33. Other current Assets 210.63 202.53 188.19 351.17 369.54

(a) deposits 3.13 3.13 3.13 3.13 3.13

(b) Receivables (Debtors > 6months) 158.84 192.02 144.21 305.89 321.27
(C) Misc. 48.66 7.38 40.85 42.15 45.14

34. TOTAL CURRENT ASSETS

[total of 26 to 33] 226.86 277.98 423.44 442.57 473.18

FIXED ASSETS
35.Gross Block 198.41 234.07 225.76 201.03 179.26
36.Depreciation to date 21.82 22.61 24.73 21.76 19.16
37. NET BLOCK [35-36] 176.59 211.46 201.03 179.27 160.10

OTHER NON-CURRENT ASSETS

38. Investments/book
debts/advances/deposits which are
not Current Assets
(i) a)Investments in subsidiary
companies/affiliates 0.00 0.00 0.00 0.00 0.00
b)others 0.00 0.00 0.00 0.00 0.00
(ii)Advances to suppliers of capital
goods and contractors 0.00 0.00 0.00 0.00 0.00
(iii)Deferred receivables (maturity
exceeding one yr) 0.00 0.00 0.00 0.00 0.00
(iv)others
(a) Debtors > 6 months 0.00 0.00 0.00 0.00 0.00
(b) Security Deposit 0.00 0.00 0.00 0.00 0.00
39.Non-consumables stores and
spares 0.00 0.00 0.00 0.00 0.00

40.Other non-current assets 0.00 0.00 0.00 0.00 0.00

41. TOTAL OTHER NON-CURRENT

ASSETS 0.00 0.00 0.00 0.00 0.00

42. Intangible assets(patents,

goodwill,prelim. expenses,
bad/doubtful exp.not provided for,
etc.) 0.00 0.00 0.00 0.00 0.00

43. TOTAL ASSETS [34+37+41+42] 403.45 489.44 624.47 621.84 633.28

44. TANGIBLE NET WORTH [24-42] 76.87 122.54 136.79 154.18 175.12

45. NET WORKING CAPITAL 16.79 4.03 7.38 46.53 86.64

[(17+24)-(37+41+42)] 0.00 0.00 0.00 0.00 0.00

46. Current Ratio 1.08 1.01 1.02 1.12 1.22

47. Total Outside Liabilities/Tangible

Net Worth 4.25 2.99 3.57 3.03 2.62

48. Total Term Liabilities/Tangible

Net Worth 1.52 0.76 0.52 0.46 0.41

Difference [25-43] 0.00 0.00 0.00 0.00 0.00

Name : MADHAVI SEEDS Status : Individual

COMPARATIVE STATEMENT OF
CURRENT ASSETS & CURRENT LIABILITIES
Amounts in : Rupees
2021-2022 2022-2023 2023-2024 2024-2025 2025-2026
Particulars Audited Audited Estimated Provisional Projected
A. CURRENT ASSETS
1. Raw Materials(including stores and
other used in the process of mfg)
(a) Imported
Amount 0.00 0.00 0.00 0.00 0.00
Month's Consumption
(b) Indigenous :
Amount 0.00 0.00 0.00 0.00 0.00
Month's Consumption 0.00 0.00 0.00 0.00 0.00

2. Other Consumables
(a) Imported
Amount 0.00 0.00 0.00 0.00 0.00
Month's Consumption
(b) Indigenous :
Amount 0.00 0.00 0.00 0.00 0.00
Month's Consumption

3. Packing Material
(a) Imported
Amount 0.00 0.00 0.00 0.00 0.00
Month's Consumption
(b) Indigenous :
Amount 0.00 0.00 0.00 0.00 0.00
Month's Consumption

4. Stocks-in-process
Amount 0.00 0.00 0.00 0.00 0.00
Month's Cost of Production 0.00 0.00 0.00 0.00 0.00

5. Finished goods:
Amount 11.55 71.96 78.46 86.95 98.65
Month's Cost of Sales 0.16 0.81 0.82 0.83 0.86
0.16 0.81 0.82 0.83 0.86
6. Receivables other than export and
deferred receivables(including bill
purchased and discounted by banks)
Amount 0.00 0.00 152.48 0.00 0.00
Month's Domestic Sales 0.00 0.00 1.52 0.00 0.00

7. Export receivables(include bill

purchased and discount)
Amount 0.00 0.00 1.52 0.00 0.00
Month's Export Sales

8. Advances to Supplier 0.00 0.00 0.00 0.00 0.00

9. Other Current Assets (specify major

Items) 215.31 206.02 192.50 355.62 374.53
Cash and Bank Balance 4.68 3.49 4.31 4.45 4.99
Investment except long term 0.00 0.00 0.00 0.00 0.00
Installment of Deferred receivables 0.00 0.00 0.00 0.00 0.00
Advance Payment of Taxes 0.00 0.00 0.00 0.00 0.00
Other 210.63 202.53 188.19 351.17 369.54
10. TOTAL CURRENT ASSETS 226.86 277.98 423.44 442.57 473.18

B. CURRENT LIABILITIES
(Other than bank borrowings for WC)

11. Creditors for purchase of raw

materials, stores and consumable spares
Amount 209.82 248.20 165.81 145.79 136.29
Month's Purchase 3.39 2.73 1.80 1.44 1.22

12. Advance from Customers/ SD 0.00 0.00 0.00 0.00 0.00

13. Statutory liabilities 0.00 0.00 0.00 0.00 0.00

14. Other Current liabilities-specify major

items
(a) S.T. borrowings others 0.00 0.00 0.00 0.00 0.00
(b) Divident Payable 0.00 0.00 0.00 0.00 0.00
(c) Installment of TL,DGP and Public
Deposits 0.00 0.00 0.00 0.00 0.00
(d) Other
(a) Other Provisions 0.25 0.50 0.25 0.25 0.25
(b) 0.00 0.00 0.00 0.00 0.00
(c) 0.00 0.00 0.00 0.00 0.00
(d) 0.00 0.00 0.00 0.00 0.00

15. TOTAL CURRENT LIABILITIES 210.07 248.70 166.06 146.04 136.54

Name : MADHAVI SEEDS Status : Individual

COMPUTATION OF MAXIMUM PERMISSIBLE

BANK FINANCE FOR WORKING CAPITAL
Amounts in : Rupees
2021-2022 2022-2023 2023-2024 2024-2025 2025-2026
Particulars Audited Audited Estimated Provisional Projected
FIRST METHOD OF LENDING
1. Total Current Assets 226.86 277.98 423.44 442.57 473.18

2. Other Current Liabilities 210.07 248.70 166.06 146.04 136.54

(Other than Bank Borrowing)

3. Working Capital Gap 16.79 29.28 257.38 296.53 336.64

4. Min stipulated Net working capital

(25% of WCG excluding export
receivables) 4.20 7.32 64.35 74.13 84.16

5. Actual / Projected Net Working Capital 16.79 4.03 7.38 46.53 86.64

6. Item 3 minus item 4 12.59 21.96 193.04 222.40 252.48

7. Item 3 minus item 5 0.00 25.25 250.00 250.00 250.00

8. Maximum Permissible Bank Finance 0.00 21.96 193.04 222.40 250.00

(lower of 6 or 7)

9. Excess Borrowing Representing

shortfall in NWC 3.29 56.97 27.60

SECOND METHOD OF LENDING

1. Total Current Assets 226.86 277.98 423.44 442.57 473.18

2. Other Current Liabilities 210.07 248.70 166.06 146.04 136.54

(Other than Bank Borrowing)

3. Working Capital Gap 16.79 29.28 257.38 296.53 336.64

4. Min stipulated Net working capital

(25% of Total of Current Assets excluding
export receivables) 56.72 69.50 105.86 110.64 118.30

5. Actual / Projected Net Working Capital 16.79 4.03 7.38 46.53 86.64

6. Item 3 minus item 4 -39.93 -40.22 151.52 185.89 218.35

7. Item 3 minus item 5 0.00 25.25 250.00 250.00 250.00

8. Maximum Permissible Bank Finance -39.93 -40.22 151.52 185.89 218.35
(lower of 6 or 7)

9. Excess Borrowing Representing

shortfall in NWC 40.00 65.00 99.00 64.00 31.00
Name : MADHAVI SEEDS Status : Individual

FUNDS FLOW STATEMENT

Amounts in : Rupees
2022-2023 2023-2024 2024-2025 2025-2026
PartiCulars Audited Estimated Provisional Projected
1. SOURCES
(a) Net Profit 13.46 16.26 19.40 22.95

(b) Depriciation 22.61 24.73 21.76 19.16

(c) Increase in Capital -11.09 29.41 -5.15 -5.55

(d) Increase in term liabilities,including

public deposit 0.00 0.00 0.00 0.00

(e) Decrease in
(i) Fixed Assets 0.00 8.31 24.73 21.77
(ii) Other Non Current Assets 0.00 0.00 0.00 0.00

(f) Other (income tax w/o) -31.42 37.41 0.00 0.00

(g) Total -6.44 116.12 60.74 58.33

2. USE

(a) Net loss 0.00 0.00 0.00 0.00

(b) Decrease in term liabilities, including

public deposits 23.56 21.33 0.00 0.00

(c) Increase in
(i) Fixed Assets 35.66 0.00 0.00 0.00
(ii) Other non-current Assets 0.00 0.00 0.00 0.00

(d) Dividend 0.00 0.00 0.00 0.00

(e) (i) Others (share application) 0.00 0.00 0.00 0.00

(ii) Decrease in general reserve 0.00 0.00 0.00 0.00
(net Deferred tax)

(f) Total 59.22 21.33 0.00 0.00

3. LONG TERM SURPLUS/DEFICIT -65.66 94.79 60.74 58.33

4. Increase / Decrease in Current Assets 51.12 145.46 19.13 30.61

5. Increase / Decrease in Current
Liabilities 38.63 -82.64 -20.02 -9.50

6. Increase / Decrease in Working

Capital gap 12.49 228.10 39.15 40.11

7. Net Surplus / Deficit -78.15 -133.31 21.59 18.22

8. Increase / Decrease in Bank

Borrowings 25.25 224.75 0.00 0.00

INCREASE / DECREASE IN NET

SALES 221.84 84.96 124.91 120.09

*Break-Up of (4)
(i) Increase / Decrease In Raw Material 0.00 0.00 0.00 0.00

(ii) Increase / Decrease in Stock in

Process 0.00 0.00 0.00 0.00

(iii) Increase / Decrease in Finished

Goods 60.41 6.50 8.49 11.70

(iv) Increase / Decrease in receivables

(a) Domestic 0.00 152.48 -152.48 0.00
(b) Export 0.00 0.00 0.00 0.00

(v) Increase / Decrease in consumables

(a) Imported 0.00 0.00 0.00 0.00
(b) Indigenous 0.00 0.00 0.00 0.00

(vi) Increase / Decrease in packing

Material 0.00 0.00 0.00 0.00

(vii) Increase / Decrease in other current

assets -9.29 -13.52 163.12 18.91

Total 51.12 145.46 19.13 30.61

Name : MADHAVI SEEDS Status : Individual

ANALYSIS OF RATIO

Amounts in : Rupees
2021-2022 2022-2023 2023-2024 2024-2025 2025-2026
Particulars Audited Audited Estimated Provisional Projected
% TO COST OF SALE

Sales 895.18 1,117.02 1,201.98 1,326.89 1,446.98

Other Revenue 0.00 0.00 0.00 0.00 0.00
Excise And Other Items 0.00 0.00 0.00 0.00 0.00
Net Sale 895.18 1,117.02 1,201.98 1,326.89 1,446.98

Raw Material 742.68 1,092.41 1,105.47 1,218.36 1,335.76

Consumables 0.00 0.00 0.00 0.00 0.00
Packing Material 0.00 0.00 0.00 0.00 0.00
Power and Fuel 1.69 2.50 2.99 3.46 3.95
Labour 14.22 13.98 15.22 16.63 18.08
Other MFG. 5.47 1.01 2.50 3.05 4.01
Increase in Stock-WIP 0.00 0.00 0.00 0.00 0.00
COP 764.06 1,109.90 1,126.18 1,241.50 1,361.80
Increase in Stock-FG 67.00 -60.41 -6.50 -8.49 -11.70
Total Exp 831.06 1,049.49 1,119.68 1,233.01 1,350.10

GP 64.12 67.53 82.30 93.88 96.88

Other Non Operating Income 0.64 2.31 2.78 3.01 3.54
Indirect Exp 18.37 18.06 19.58 21.86 24.44
Percent(%)

Interest 14.20 15.71 24.51 33.87 33.87

Depreciation 21.82 22.61 24.73 21.76 19.16
Non-Operating Exp. 0.00 0.00 0.00 0.00 0.00
Provision for tax 0.00 0.00 0.00 0.00 0.00
Net Profit 10.37 13.46 16.26 19.40 22.95

GROSS PROFIT RATIO 7.16 6.05 6.85 7.08 6.70

NET PROFIT RATIO 1.16 1.20 1.35 1.46 1.59

STOCK 11.55 71.96 78.46 86.95 98.65

Add: Debtors 0.00 0.00 152.48 0.00 0.00
Less: Creditors 209.82 248.20 165.81 145.79 136.29
NET PAID STOCK -198.27 -176.24 65.13 -58.84 -37.64

MARGIN
DP -198.27 -176.24 65.13 -58.84 -37.64
Bank Loan 0.00 25.25 250.00 250.00 250.00
Export Debtors 0.00 0.00 0.00 0.00 0.00
Margin
DP 0.00 0.00 0.00 0.00 0.00

Total DP -198.27 -176.24 65.13 -58.84 -37.64

Less: DEFICIT OF UNPAID STOCK 0.00 0.00 0.00 0.00

NET 0.00 0.00 152.48 0.00 0.00
MARGIN
DP 0.00 0.00 152.48 0.00 0.00

TOTAL -198.27 -176.24 65.13 -58.84 -37.64

CURRENT RATIO 1.08 1.01 1.02 1.12 1.22

MPBF 0.00 21.96 193.04 222.40 250.00
Total of Liabilities 403.45 489.44 624.47 621.84 633.28
Total of Assets 403.45 489.44 624.47 621.84 633.28
Difference in B/S 0.00 0.00 0.00 0.00 0.00

TOL/TNW 4.25 2.99 3.57 3.03 2.62

TTL/TNW 1.52 0.76 0.52 0.46 0.41

KEY RATIO
Growth in Net Sales 24.78 7.61 10.39 9.05
Growth in Net Profit 29.80 20.80 19.31 18.30
Growth in Net Worth 59.41 11.63 12.71 13.58

LIQUIDITY RATIO
Current Ratio 1.08 1.01 1.02 1.12 1.22
Quick Ratio 1.02 0.75 0.83 0.90 0.97
EFFICIENCY RATIO
Stock TurnOver Ratio 19.87 26.75 15.98 16.04 15.59
Total Assets TurnOver Ratio 2.22 2.28 1.92 2.13 2.28
Fixed Assets TurnOver Ratio 5.07 5.28 5.98 7.40 9.04
Current Assets TurnOver Ratio 3.95 4.02 2.84 3.00 3.06
Working Capital TurnOver Ratio 53.32 277.18 162.87 28.52 16.70
Capital TurnOver Ratio 11.65 9.12 8.79 8.61 8.26

PROFITABILITY RATIO
Gross Profit Ratio 7.16 6.05 6.85 7.08 6.70
Expenses Ratio
RM Consumed Ratio 82.96 97.80 91.97 91.82 92.31
Manufacturing Expenses Ratio 2.39 1.57 1.72 1.74 1.80
Indirect Expenses Ratio 2.05 1.62 1.63 1.65 1.69
Finance Expenses Ratio 1.59 1.41 2.04 2.55 2.34
Non Operating Expenses Ratio

Net Profit Ratio 1.16 1.20 1.35 1.46 1.59

Return on Capital Employed 13.49 10.98 11.89 12.58 13.11

SOLVENCY RATIO
Debt-Equity Ratio 1.52 0.76 0.52 0.46 0.41
Interest coverage ratio 3.27 3.30 2.67 2.22 2.24
DSCR 3.27 1.75 1.74 2.22 2.24
Holding Periods
Inventory Holding Period 4.94 24.50 25.02 25.29 26.30
Receivable Holding Period 46.30
Creditors Holding Period 89.79 84.50 52.88 42.41 36.33
Name : MADHAVI SEEDS Status : Individual

COMPUTATION OF MAXIMUM PERMISSIBLE BANK FINANCE FOR WORKING CAPITAL

Turnover Method
Amounts in : Rupees
2021-2022 2022-2023 2023-2024 2024-2025 2025-2026
Particulars Audited Audited Estimated Provisional Projected
A. Turnover 895.18 1,117.02 1,201.98 1,326.89 1,446.98
B. 25.00% of (A) 223.80 279.26 300.50 331.72 361.75
C. Margin Required at 5.00% of (A) 44.76 55.85 60.10 66.34 72.35
D. Margin (NWC) 16.79 4.03 7.38 46.53 86.64
E. (B - C) 179.04 223.40 240.40 265.38 289.40
F. (B-D) 207.01 275.23 293.12 285.19 275.11
G. MPBF ( E or F whichever is lower) 179.04 223.40 240.40 265.38 275.11
H. Excess borrowing -27.97 -51.82 -52.72 -19.81 0.00