ranjan floor

7/30/2019 Ranjan Floor

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A PROJECT REPORT ON

A STUDY OF

"PROJECTED FINANCIAL STATEMENT TO BE

SUBMITTED TO

THE BANK FOR LOAN PROPOSAL"

SUBMITTED

BY

UNDER THE GUIDANCE OF

PROF.

IN PARTIAL FUILMENT OF

BACHELORS OF BUSINESS ADMINISTRATION

2010-2011

TO

OF ARTS, SCIENCE AND COMMERCE

AFFILITED TO UNIVERSITY OF PUNE

CAMP, PUNE-1


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PREFACE

This project report is based on "Projected financial statement to be submitted to the

bank for the loan purposes".

It was taken care during the entire project that there is no false information wrong map or

manipulated data is included at any point. This report is based on the information provided

by authority & personal observation.

It was really a best project to work on which gave me an inestimable chance to learn.

Rajeev Ranjan T.Y B.B.A


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ACKNOWLEDGMENT

I wish to express my sincere thanks and gratitude to all of them who have helped me to

complete my project report.

First of all I would like to thank the supreme power, the almighty GOD, who has always

guided me to work on right track & always blessed me with his blessing by giving me the

best.

I am sincerely thankful to the all concern authorities & employees from Production, HR,

Personnel Department & worker of the concern industry and the SBI BANK for providing me

valuable information & their precious time.

This project report could not have been completed without the guidance of Our Principal

and Our Project Guide Prof.

Rakesh mittal

Once again I would like to thank to everyone who had directly & indirectly helped me for

completing this Project Report.

Rajeev Ranjan

T.Y B.B.A


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INDEX

Sr. no Particulars Page no.

1 ABOUT PROJECT REPORT

2 OBJECTIVE OF THE PROJECT

3 COMPANY PROFILE

4 ABOUT COMPANY

5 PLANT LOCATION

6 PRODUCTION INTRODUCTION

7 PRICING POLICY

8 COMPETITION

9 FINANCE DEPARTMENT

10 SOURCE OF FINANCE

11 CAPITAL STRUCTURE

12 FUTURE PLANS

13 REASON FOR TAKING LOAN14 ASSUMPTION

15 FINANCIAL STATEMENT

16 BANK REPAYMENT SCHEDULE

17 PROJECTED DEPRECIATION

18 PROFITABILITY STATEMENT

19 PROJECTED CASHFLOW20 PROJECTED BALANCE SHEET

21 PROJECTED RATIO ANALYSIS

22 ANNEXURE


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INTRODUCTION

We are thankful to PUNE UNIVERSITY for having Project Report on

"Projected Financial statement to be submitted to the bank for loan

proposals" in BBA course. It was really a good experience to make a report

with the company and the Bank.

In BBA course the Project report is the really very helpful to learn

the practical knowledge about the companies. Project report was

completed in a food industry, i.e. RANJAN FLOUR PVT. LTD. This report help

me to learn about how the company manage there financial & marketing

strategies' manufacturing process of goods, working environment, there

plant location & plant layout was observed & studied.

The information was noted during the industry visits by own

observation about the unit & there running production & other process.

Which lead to enough emphasis on development of us.

At over all experience, it can be said that the project report in BBA will

greatly benefit the future of the student.


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Objective of the study

The main objective behind this project work was to get an insight in to the

functioning of Finance Department of the company and the way to get the

loan from the any nationalized bank.

Primary objectives:

To watch how the production & operation work take place in a factory.

Which policies and strategy they adopt to expand there business and keep a

valuable position in market or customers mind.

To study the inter relationship of Finance Department with other

departments.

To study the working capital and way of get the loan from the bank.

Secondary objectives:

To understand the marketing strategy of a company to maintain their

working capital.

To understand the different loan schemes and process of loan in a bank.


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Company Profile

1. Registered Name of the Company RANJAN FLOUR PVT.LTD.

2. Year of

Establishment

2011

3. Business

Type

Manufacturer

4. Type of

Ownership

Private sector Enterprises

5.Corporate Office

6.Factory

7.Telephone no.

8.Fax no.

9.Email

10.Website

11.Total no of

Employees

12.Types of Product

Rathi Chamber 7, Deccan

College Road, PUNE (MH)

Gat-144/145, Dhanore

Alandi-Market Road, PUNE.

020-66496622

020-27700169

info@ ranjanflour.com

www.ranjanflour.com

30-40 People

Flour
http://ranjanflour.com/http://www.ranjanflour.com/http://www.ranjanflour.com/http://ranjanflour.com/


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Company Mission & Vision

COMPANIES MISSION STATEMENT:

"To attain and maintain a position of leadership and market

dominance in "Food Products" while leveraging our core strengths of

Sourcing & Logistics."

COMPANIES VISION STATEMENT:

"To achieve national leadership in Food Product business by

providing best wheat Product like Aata, which is useful in making

various foods and food products".


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Company s Belief:

We endeavour to reach the leadership position in each Segment /

Sector of our Product /Service. We are committed to satisfy our customers

by providing such Quality Product / Service. Which gives highest value for

money.

We believe that employees are most important asset through which we

can reach the top in each category of our Product /Service. Therefore, we

will emphasize on their continuous improvement through up-gradation ofrelevant knowledge and training.

We commit ourselves to continuous growth, so as to fulfill the

aspirations of our customers, Employees and Shareholders.


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Location of the unit

Alandi is a second line city of PUNE, where business is growing at a rapid

speed. Alandi MIDC developed there. MIDC has own electrical thermal

station in which electricity is easily available.

This brought revolution in setting up of business units in aiandi. Due to

this idea of establishing business unit came into mind of director.

Secondly population of alandi is very high so employment will be generated

amongst the people of Alandi. Raw materials and labour is easily available.

Before setting a unit, entrepreneur has to keep in mind the various

location factors such as availability of land, power, water such

infrastructure facilities availability of labour etc...

It is quite known that ALANDI.PUNE is an industrial area and we can obtain

any facility as a convenient way. Surrounding area is containing a big

market for the Food Products. There are many other facilities of factors,

which inspired to choose proposal location.

LABOURS:-

Generally all types of man power are available at reasonable cost. As for as

this manufacturing firm is concerned with semiskilled labour and also get

labour in adequate number and at cheap rate


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RAW-MATERIALS:-

There is more transportation facility because of center point of Baramati,

Pune. From this we can easily get the raw materials like wheat, bags etc.,

RANJAN FLOUR PVT.LTD. Purchase raw materials from various villages and

cities.

TRANSOPRTATION & COMMUNICATION:-

As we have seen that PUNE is a center point of ALANDI. So transportation

facilities are available in PUNE. It is situated on National High Way. So,

road transport is easily available.

INDUSTRIAL ATMOSPHERE:-

There is better industrial atmosphere in ALANDI (PUNE) as so many other

industrial. Like Textile, Steel, Cotton, Chemical, oil Industrial & Forging

Industries etc., are located there. Hance we could easily develop jour

industry through inspiration of other industries.

FINANCIAL FACILITIES:-

There is availability of national bank IN ALANDI and this companys

headquarter is nearer to Pune city.

OTHER FACTORS:-

There are so many other factors, like electric connection

maintenance of machine, technical knowledge, which are responsible

for the set up of our industry in this area. Thus, location is suitable in

every aspect.


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Production Introduction

Production is a very integral part of the business system "productionmeans a bundle of utilities by the company to its customer continues

process to convert raw materials into final product is called a

manufacturing process".

Production involves the steps-by-steps conversion of one from of materials

into another chemical processing to create or enhance the utility of

product or services.

The production or manufacturing department holds the most important

and basic position in any industry or a unit.

The RANJAN FLOUR PVT.LTD. is production some of the item listed below.

Aata

Biscuit, Bread.etc.


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Pricing Policy

Price is money value of the product that is agreed upon thetransaction. Price plays very important role in marketing because price

decides profit & financial position of the business firm.

Price is the exchange value of the product or services always expressed in

money. Pricing concept plays a vital role in marketing management. The

decision regarding pricing must be taken after considering every aspect

of business & while fixing the price not only profit but social

responsibilities should also be taken into consideration.

Factors Affecting to the price of product:

Cost of production Competitive price in the market

Normal profit

Advertising cost

Distribution cost


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Competition

Any type of organization faces the competition in market. When in

market competition is on more so any industry has a monopoly so

competition is play vital role in the market.

Competitor "RANJAN FLOUR PVT.LTD" Is not only in PUNE but all in

MAHARASHTRA that is given below.

Shyam Roller Flour Mill Coloration Flour Mill

Ambuja Roller Flour Mill Etc.

Above given mills situated in different cities.

Shyam Roller Flour Mill is situated at KHADKI. Coloration Flour Mil is

situated at THANE. Ambuja Roller Flour Mill is situated at KALYAN.


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Introduction

Finance is regarded as the life block at business enterprises. This is

because modern business is money oriented economy finance is one of

the basic foundations of all kinds of activities.

Financial Management is an appendage of the finance function.

Financial Management involvers the application of general

management that part of mgt. Which is concerned mainly with raising

funds as profitably as possible planning future operation & through

finance according cost, accounting badgering statistics & other means? It

is continuously concerned with achieving as adequate rate of return on

investment, as this is necessary for survival & attracting new capital. It

is the various projects depending upon their importance & pay off

capacities.

Financial Function, center rounds the mgt. of fund raising & using the

effectively financial mgt. is important because it has impact on all the

activities of firm its primary responsibly is to discharge the finance

function successfully in touches of all the other business function.


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Source of Finance

Source of finance means where to collect funds. And in which manner

it collects the funds which are used in day to day operations of the

company. Generally there are two source of finance.

Internal

External

In "RANJAN FLOUR PVT.LTD". industry, the source of funds is both

internal & external. The company collect the funds by OWNED,

personal loans and some Business loans and also take a some loan for

machinery.


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Capital Structure

Capital Structure refers to combination of ownership capitalpreference capital, capital loans, etc.

"RANJAN FLOUR PVT.LTD". Capital structure Comprises of both owners,

capitals as well as borrowed capital.

Owners capital:

Share capital of the company is owner's capital. Which is

contributed by the OWNER of the company.

Borrowed capital:

At "RANJAN FLOUR PVT.LTD". the available capital is perfectly utilized.

The company borrowed money from the State Bank of India.

Thus, the capital structure of "RANJAN FLOUR PVT.LTD". is simple.


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Future Plans

As the changing in market, the Managing Director of the "RANJAN

FLOUR PVT.LTD". Plan to maximum their sales, as much as possible by

more hard work; they also plan to take complete Automatic Machine to

cover newer technology in flour industry. So company planning to

increase the production to cover the national market in future.

So due to fluctuation in market and the competitors, the board of the"RANJAN FLOUR PVT.LTD". is deciding to install more automatic

machine in their premises.


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Financial Planning

A firm needs to manage its resources effectively and effective manner is

possible only when the management works out the future courses of action

in advance and takes decision on professional manner, utilizing the individual

and group efforts in co-ordinate and rational manner planning should

estimate the resources required to carry out the operations and determine

how far these resources can be generated internally by the form itself and

how far they will have to obtained externally.

Generally "RANJAN FLOUR PVT.LTD". Prepare financial planning as follows:

Company decides its long-term and short-term objective: Requirement of

long-term and short-term capital.

The Management of the company believes that to develop the procedure is

most the end of the financing activities or planning but must control over

that. For this purpose company review the short-term objective policies

procedures in the light of changed economic. Social and business situation

from time to time in orde to keep the changing environment.


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Reason for taking loan:

The company is planning to purchase some more automatic machine in order

to make more production and cover more market.

About the loan to be taken:-

The loan is taken for purchase of premises, to furnish it and buy other

automatic machine. For this purpose, the purchased premises will be hypothecated

to the bank as security .The term loan would be taken at 12% p.a.

Total lnvestment-60 Lakhs.

Owned Capital-18 Lakhs.

Bank loan-42 Lakhs.

Loan from-State bank of India (Alandi, pune)


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ASSUMPTION

1. Interest on term loan is calculated at 12%.

2. The term loan is required in 10 years and the installments are paid yearly.

3. The rate of depreciation are considered as mentioned in the income tax act.

The rates of depreciation are as follows:-

Land& building-12%

Machinery -10%

Furniture -10%

4. Working of F.B.T. (Fringe Benefit Tax) should be considered a per present rates and should

be debited to profit and loss account, but it is not allowable expenditure as per income tax

a so it can be shown after tax payment thus it has been ignored.

5. The company maintains a conservative dividend policy. The companies plough back all

the profits for the operations in the company.

6. It is being assumed that all transactions are being done through crossed only so

applicability of banking cash transaction tax (B.C.C.T) is not considered.

7. The land & machine is to be hypothecated to the bank.


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Financial

Statement


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CAPITAL INVESTMENT REQURED FOR THEPROJECT

Sr. No Particulars Amounts (R.S)

1 Cost of land 10,00,000.00

Cost of Construction 23,25,000.00

Total 33.25,000.00

2 Machine

Automatic Flour grinder 11,85,000.00

Exhausters 25,000.00

Total Equipment Cost 12,10,000.00

3 Furniture 50,000.00

4 Security deposit

Deposit with MSEB 25,000.00

5 Computer & printer 1,90,000.00

6 Working capital (3 months) 12,00,000.00

Total cost of the project 60,00,000.00

Own contribution (30%) 18,00,000.00

Bank finance (70%) 42,00,000.00


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Statement "A"

CALCULATION OF NET REVENUE FROM SALES

OF FLOUR IN A YEAR.

Assuming that the Flour is used by people on daily basis and it is

fast consuming items. It contains all the proper nutritions which

help in balanced diet. We give pack of 5 & 10KG. This is our

projected sales of one year.

SR. NO. Weight Rates/Bag Total no. of bags. Total revenue

1 5 KG 140 20000.00 28,00,000.00

2 10KG 250 13600.00 34,00,000.00

Total 62,00,000.00

Total annual revenue from sale of Flour is (28,

00,000.00+34, 00,000.00) 62, 00,000.00 I have assumed

that the annual growth in sales of Flour will increase by

10% from next year onwards.


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Statement "B

Working Capital

1) Personnel

(a).Administrative Staff

1. Factory Manager 1 R.S.-10,000

2. Accountant 1 R.S.-5000

3. Salesman 2 R.S.-12000

4. Store-keeper 1 R.S.-40005. Clerks 2 R.S.-12000

6. Watchman Peon 2 R.S.-8000

(b)Technical Staff

1. Production Chemist 2 R.S.-6000

2. Labour 2 R.S.-6000

Total-

63,000

(2)Raw Materials include packaging Requirements

Wheat RS.-3,10,000

(3) Utilities

1. Electricity

2. Oil Grease

Total-

R.S.-8000 months

R.S.-4000

12000


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(4) 0ther Expenses:

1. Repairs Maintenance R.S.-1,000

2. Consumable stores R.S.-1,000

3. Transport Travelling R.S.-5,000

4. Publicity R.S.-5,000

5. Postage stationery R.S. - 500

6. Telephone R.S.-1,500

7. Insurance R.S.-500

8. Miscellaneous R.S.-500

Total- 15,000

Total Working Capital =R.S. 400000

Total Working Capital = (3months) R.S. 12, 00,000

1. It is assumed that cost of raw material will increased at rate of 10 % in

the 2nd years and onwards.

2. It is assumed that revenue expenditures will increased at the rate of 7 %

in the 2nd

years and onwards.


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Bank

Repayment

Statement


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Statement "C"

CALCULATION OF YEARLY INSTALLMENT OF

BANK LOAN.

YEAR OPENING

BALANCE

INTEREST INSTALLMENT CLOSING

BALANCE

l 42,00,000.00 5,04,000.00 6,97,200.00 40,06,800.00

2 40,06,800.00 4,53,600.00 6,97,200.00 3763200.00

3 3763200.00 4,03,200.00 6,97,200.00 3469200.00

4 3469200.00 3,52,800.00 6,97,200.00 3124800.00

5 3124800.00 3,02,400.00 6,97,200.00 2730000.00

6 2730000.00 2,52,000.00 6,97,200.00 2284800.00

7 2284800.00 2,01,600.00 6,97,200.00 1789200.00

8 1789200.00 1,51,200.00 6,97,200.00 1243200.00

9 1243200.00 1,00,800.00 6,97,200.00 646800.00

10 646800.00 50,400.00 6,97,200.00 000


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Statement "D"

Depreciation on Land and Building

Years W.D.V. of the

Asset

Total(depre-ciable)

Amount

Depreciation @

12%

Closing

Balance of

the Asset

1 33,25,000.00 33,25,000.00 3,99,000.00 29,26,000.00

2 29,26,000.00 29,26,000.00 3,51,120.00 25,74,880.00

3 25,74,880.00 25,74,880.00 3,08,985.00 22,65,894.00

4 22,65,894.00 22,65,894.00 2,71,907.00 19,93,986.72

5 19,93,986.72 19,93,986.72 2,39,278.40 17,54,708.31

6 17,54,708.31 17,54,708.31 2,10,564.99 15,44,139.31

7 15,44,139.31 15,44,139.31 1,85,296.71 13,58,842.59

8 13,58,842.59 13,58,842.59 1,63,061.11 11,95,781.48

9 11,95,781.48 11,95,781.48 1,43,493.77 10,52,287.70

10 10,52,287.70 10,52,287.70 1,26,274.52 9,26,013.17


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Depreciation on Machinery equipments

Years W.D.V. of the

Asset

Total (depre-

ciable)

Amount

Depreciation

@10%

Closing

Balance of

the Asset

1 12,10,000.00 12,10,000.00 1,21,000.00 10,89,000.00

2 10,89,000.00 10,89,000.00 1,08,900.00 9,80,100.00

3 9,80,100.00 9,80,100.00 98,010.00 8,82,090.00

4 8,82,090.00 8,82,090.00 88,209.00 7,93,881.00

5 7,93,881.00 7,93,881.00 79,388.10 7,14,492.90

6 7,14,492.90 7,14,492.90 71,449.29 6,43,043.61

7 6,43,043.61 6,43,043.61 64,304.36 5,78,739.24

8 5,78,739.24 5,78,739.24 57,873.92 5,20,865.31

9 5,20,865.31 5,20,865.31 52,086.53 4,68,778.77

10 4,68,778.77 4,68,778.77 46,877.87 4,21,900.89


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Depreciation on Furniture

Years W.D.V. of

the Asset

Total(depre-

ciable)Amount

Depreciation

@10%

Closing

Balance ofthe Asset

l 50,000.00 50,000.00 5,000.00 45,000.00

2 45,000.00 45,000.00 4,500.00 40,500.00

3 40,500.00 40,500.00 4,050.00 36,450.00

4 36,450.00 36,450.00 3,645.00 32,805.00

5 32,805.00 32,805.00 3,280.50 29,524.50

6 29,524.50 29,524.50 2,952.45 26,572.05

7 26,572.05 26,572.05 2,657.21 23,914.85

8 23,914.85 23,914.85 2,391.48 21,523.36

9 21,523.36 21,523.36 2,152.34 19,371.02

10 19,371.02 19,371.02 1,937.00 17,433.92


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Total Depreciation

Years value In Thousands

1 5,25,000.00 525.00

2 5,05,020.00 505.02

3 4,11,045.00 411.04

4 3,63,761.00 363.76

5 3,21,947.00 321.94

6 2,84,966.73 284.96

7 2,52,258.27 252.25

8 2,23,326.51 223.32

9 1,97,732.64 197.73

10 1,75,089.49 175.08


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ProfitabilityStatement


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Statement of Profitability for the Projected Period

(RS .In Thousands)

Particulars Yearl Year 2 Year 3 Year 4 Year5

Revenue for the

projected period (As

per statement A)

Less: Revenue

Expenditures (As per

statement B)

6200.00

4800.00

6820.00

5136.00

7502.00

5495.52

8252.20

5880.20

9077.42

6291.82

Profit before

Interest,

Depreciation &

Income Tax

1400.00 1684.00 2006.48 2372.00 2785.60

Less: Bank loan

Interest

(statement "C")

Depreciation

(statement "D")

504.00

525.00

453.60

505.02

403.20

411.04

352.80

363.76

302.40

321.94

Profit before Tax

(PBT) Less: Income

Tax (Existing

Slab-Rates@S0%)

371.00

185.50

725.38

362.69

1192.24

596.12

1655.44

827.72

2161.26

1080.63

Net

Profit/(loss)

185.50 362.69 596.12 827.72 1080.63

CONTINUED..


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Particulars Year 6 Year 7 Year 8 Year 9 Year 10

Revenue for the

projected period

(As per statementA)

Less Ravenue

Expenditures (As

per statement B)

9985.16

6732.24

10983.67

7203.50

12082.04

7707.75

13290.25

8247.29

14619.27

8824.60

Profit before

Interest,

Depreciation &

Income Tax

3252.92 3780.17 4374.29 5042.96 5794.67

Less: Bank loan

Interest

(statement "C")

Depreciation

(statement "D")

252.00

284.96

201.60

252.25

151.20

223.32

100.80

197.73

50.40

175.08

Profit before Tax

(PBT)

Less: Income Tax

(Existing

Stab-Rates@50%)

2715.96

1357.98

3326.32

1663.16

3999.77

1999.89

4744.43

2372.22

5569.19

2784.60

Net

Profit/(loss)

1357.98 1663.16 1999.89 2372.22 2784.60


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ProjectedCash Flow

Statement


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Cash Flow statement for the Projected Period.

(RS. In Thousands)

Particulars Year1 Year 2 Year 3 Year 4 Year 5

Opening balance of cash

Net Profit as per

Profitability Statement

Add: Depreciation and

Interest

Add: Amount of Loan

disbursement

Add: Initial Own

Contribution

185.50

1029.00

4200.00

1800.00

1617.30

362.69

958.62

2041.41

596.12

814.24

2454.57

827.72

716.56

2901.65

1080.63

624.34

Therefore, Cash Inflow

Less:l.Bank Installment with

Interest

2.Capital Expenditure (As per

Statement of Capital

Investment)

3.Drawings of Proprietor

7214.50

697.20

4800.00

100.00

2938.61

697.20

200.00

3451.77

697.20

300.00

3998.85

697.20

400.00

4606.62

697.20

500.00

Therefore, Closing

balance of Cash

1617.30 2041.41 2454.57 2901.65 3409.42

CONTINUED


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Opening balance of cash

Net Profit as per

Profitability Statement

Add: Depreciation and

Interest

Add: Amount of Loan

disbursement

Add: Initial Own

Contribution

3409.42

1357.98

536.97

-

-

4007.17

1663.16

453.86

-

-

4726.99

1999.89

374.53

-

-

5604.21

2372.22

298.53

-

-

6677.76

2784.60

225.49

-

-

Therefore, Cash Inflow

Less:l.Bank Installment with

Interest

2.Capital Expenditure (As

per Statement of Capital

Investment)

3.Drawings of Proprietor

5304.37

697.20

-

600.00

6124.19

697.20

-

700.00

7101.41

697.20

-

800.00

8274.96

697.20

-

900.00

9687.85

697.20

-

1000.00

Therefore, Closing

balance of Cash

4007.17 4726.99 5604.21 6677.76 7990.65


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ProjectedBalance

Sheet


41/55

Balance sheet for the projected period(RS. In Thousands)


l.Liablities A.

Proprietor's

Contribution

B.Net Profit

C.Drawings

Proprietor's

Capital (A+B-C)

Bank Loan

1800.00

185.50

100.00

1885.50

4006.80

1885.50

362.69

200.00

2048.19

3763.20

2048.19

596.11

300.00

2344.30

3469.20

2344.30

827.27

400.00

2772.02

3124.80

2772.02

1080.63

500.00

3352.65

2730.00

TOTAL 5892.30 5811.39 5813.50 5896.82 6082.65

2.Assets

Fixed Assets

Advances Deposit

Current Assets

(cash)

4250.00

25.00

1617.30

3744.98

25.00

2041.41

3333.93

25.00

2454.57

2970.17

25.00

2901.65

2648.23

25.00

3409.42

TOTAL 5892.30 5811.39 5813.50 5896.82 6082.65

CONTINUED


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l.Liablities A.

Proprietor's

Contribution

B.Net Profit

C.Drawings

Proprietor's

Capital (A+B-C)

Bank Loan

3352.65

1357.98

600.00

4110.63

2284.80

4110.63

1663.16

700.00

5073.79

1789.20

5073.79

1999.89

800.00

6273.68

1243.20

6273.68

2372.22

900.00

7745.90

646.80

7745.90

2784.60

1000.00

9530.50

000

TOTAL 6395.43 6862.99 7516.99 8392.70 9530.50

2.Assets

Fixed Assets

Advances Deposit

Current Assets (cash)

2363.26

25.00

4007.17

2111.00

25.00

4726.99

1887.67

25.00

5604.21

1689.94

25.00

6677.76

1514.85

25.00

7990.65

TOTAL 6395.43 6862.99 7516.99 8392.70 9530.50


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Project

RatioAnalysis


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DEBT SERVICE COVERAGE RATIO

Years Profits before

Interest &depreciation

Installment

with Interest

DSCR

No. of times

1 1214.50 697.20 1.74

2 1321.31 697.20 1.89

3 1410.36 697.20 2.02

4 1544.28 697.20 2.21

5 1704.28 697.20 2.44

6 1894.94 697.20 2.71

7 2117.01 697.20 3.03

8 2374.40 697.20 3.41

9 2670.74 697.20 3.83

10 3010.07 697.20 4.32

Total


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1.741.89

2.022.21

2.44

2.71

3.03

3.41

3.83

4.32

1 2 3 4 5 6 7 8 9 10

DSCR

1


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Profitability ratios:

1. Gross Profit Ratio =Sales-Cost of goods sold x 100

Sales

2. Net Profit Ratio=Before Interest & Tax x 100Sales

Calculation of Gross Profit Ratio

Years Sales Cost of goods sold G.P. Ratio

1 6200.00 3720.00 40.00

2 6820.00 4092.00 40.00

3 7502.00 4501.20 40.00

4 8252.20 4951.32 40.00

5 9077.42 5446.45 40.00

69985.16 5991.09 40.00

7 10983.67 6590.20 40.00

8 12082.04 7249.22 40.00

9 13290.25 7974.15 40.00

10 14619.27 8771.56 40.00


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Gross Profit Ratio

10%

10%

10%

10%

10%10%

10%

10%

10%

10%

1

2

3

4

5

6

7

8

9

10


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Calculation of Net Profit Ratio

Years Sales NPBIT N.P. Ratio

1 6200.00 1400.00 22.58

2 6820.00 1684.00 24.69

3 7502.00 2006.48 26.74

4 8252.20 2372.00 28.74

5 9077.42 2785.60 30.68

6 9985.16 3252.92 32.57

7 10983.67 3780.17 34.41

8 12082.04 4374.29 36.20

913290.25

5042.96

37.94

10 14619.27 5794.67 39.63


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22.58

24.69

26.74

28.74

30.68

32.57

34.4136.2

37.9439.63

1 2 3 4 5 6 7 8 9 10

Net Profit Ratio

1


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Turn Over Ratio

1. Total Asset Turnover Ratio = Sales

Total Assets.

2. Fixed Asset Turnover Ratio =Sales

Fixed Assets.

Calculation of Total Assets Turn Over Ratio

Years Total Assets Sales Times

l 5892.30 6200.00 1.05

2 5811.39 6820.00 1.17

3 5813.50 7502.00 1.29

4 5896.82 8252.20 1.39

5 6082.65 9077.42 1.49

6 6395.43 9985.16 1.56

7 6862.99 10983.67 1.60

8 7516.88 12082.04 1.61

9 8392.70 13290.25 1.58

10 9530.50 14619.27 1.53


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1.05

1.17

1.29

1.39

1.491.56

1.6 1.61 1.581.53

1 2 3 4 5 6 7 8 9 10

Toatal Assets Turnover Ration

1


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Calculation of Fixed Assets Turn Over Ratio

Years Fixed Assets Sales Times

l 4250.00 6200.00 1.46

2 3744.98 6820.00 1.82

3 3333.93 7502.00 2.25

4 2970.17 8252.20 2.77

5 2648.23 9077.42 3.42

6 2363.26 9985.16 4.22

7 2111.00 10983.67 5.20

8 1887.67 12082.04 6.40

9 1689.94 13290.25 7.86

10 1514.85 14619.27 9.65


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0

1

2

3

4

5

6

7

8

9

10

1 2 3 4 5 6 7 8 9 10

AxisTitle

1 2 3 4 5 6 7 8 9 10

1 1.46 1.82 2.25 2.77 3.42 4.22 5.2 6.4 7.86 9.65

Series2

Series3

Fixed Assets Turnover Ratio


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OWNER S PROFILE

NAME of the Chairman Mr. Vijay Kurnar

Date 11th

October 1958

Address Shree apartment friend colony

near M.G. Road. Pune. Maharashtra

About the Chairman

Mr. Vijay Kumar is a resident of Madhubani (Bihar) and completed his

schooling from there and then his family shifted to Pune and he

completed his graduation and post graduation from Pune University.

Holds a Bachelor Degree in Agriculture and A Master Degree in Agricultural

meterology from the college Merits scholarship and the university topper

award for the subject of Agricultural. Extension during his graduation. Hecompleted his post graduate diploma in cooperative business management

currently he is working as a Chairman of RANJAN FLOUR PVT.LTD.

Educational Qualification : Bachelor Degree in Agriculture.

Master Degree in Agricultural meterology.

Post graduate diploma in cooperative businessmanagement

Experience Details : He had worked as a trainer in national.

Farm Corporation and currently number of the food and industry

management of Maharashtra government.


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MANAGERS PROFILE

Name of the Manager : Mr. Arvind Kumar

Date : 12th June 1978.

Address : Shanti Nivas 103, opposite

Bund Garden Pune,

Maharashtra.

About The Director

: He is a resident of Madhubani (Bihar) and

completed his schooling from there and then his family shifted to Pune andhe completed his graduation and post graduation from Pune University in the

management fields. He had worked with and now he is working with

RANJAN FLOUR PVT.LTD.

Educational Qualification : B.B.A., M.B.A., AND C.A (ICAI)

Experience details : 10 year of working with Britannia.

: 2 year of working with John deere.

: 1990-awarded the best employee

Award by Britannia.

ranjan floor

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