23 December, 2015

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How to Prepare Project Report for Bank Loan :- A Brief Outlining

How to Prepare Project Report for Bank Loan :- A Brief Outlining 


Project Report – Outline Can be Used in Bank Loans for Textile, Manufacturing, Electrical, BPO, Fanchise etc



PART – I

1.     Introduction

2.     Executive Summary/Overview of the entire project

3.     Promoters: Promoters and their background, about their professional qualifications, experience, etc.

4.     Existing Status of the Unit: What is the existing activity, product line, area of market, etc.

5.     Manpower: About the Directors, Managers, professional manpower – their professional background and expertise, arrangements for Human Resource Development, etc.

6.     Infrastructure facilities: About the Equipment, Plant & Machinery, premises.

7.     Product line proposed: Area of computer software development/IT enabled services

8.     Clientele: About the clientele, present and prospective clients – Countries to which exports are planned – Market potential, market arrangements, plans for promoting exports, etc.

9.     Domestic Operations, if any: where it is proposed to operate both as a domestic unit as well as an STP unit in distinctly separate accounts are to be maintained.

10.  Financial/Technical, etc., tie ups

PART II


PROJECT COST AND MEANS OF FINANCE                                          RS. IN LAKHS


PROJECT COST:

PREMISES                                                                               :

OFFICE EQUIPMENT                                                                :

HARDWARE                                                                             :

SOFTWARE                                                                              :

WORKING CAPITAL REQUIREMENTS                                        :

TOTAL                                                                                     :

MEANS OF FINANCING


EQUITY                                                                                    :

-  PROMOTERS                                                                        :

-  INDIAN PUBLIC                                                                      :

WORKING CAPITAL LOAN                                                         :

TERM LOAN FROM BANK                                                         :

TOTAL                                                                                     :

BALANCE SHEET                                                                     RS. IN LAKHS

1ST YEAR
2ND YEAR
3RD YEAR
4TH YEAR
5TH YEAR
A.    SOURCES OF FUNDS

EQUITY SHARE CAPITAL

RESERVES & SURPLUS
-          PROFIT & LOSS

TOTAL SHAREHOLDERS FUNDS

OTHERS (SPECIFY ITEM WISE)

TOTAL

B.    USE OF FUNDS:

GROSS FIXED ASSETS

ADDITIONS

LESS: DEPRECIATION

NET FIXED ASSETS

OTHERS (SPECIFY ITEM WISE)

CASH & BANK BALANCES

NET CURRENT ASSETS

TOTAL






PROFIT AND LOSS STATEMENT                                                                     RS. IN LAKHS

1ST YEAR
2ND YEAR
3RD YEAR
4TH YEAR
5TH YEAR
TOTAL
REVENUE:
EXPORTS
-          ONSITE SERVICES
-          OFFSHORE

TOTAL

OPERATIONAL  EXPENDITURE (SPECIFY ITEMWISE)

OP. PROFIT

DEPRECIATION

PROFIT

DIVIDEND

TRANSFER TO RESERVES







CASH FLOW STATEMENT                                                                 RS. IN LAKHS

1ST YEAR
2ND YEAR
3RD YEAR
4TH YEAR
5TH YEAR
TOTAL
INFLOW

EQUITY

LOANS

OTHERS (SPECIFY ITEMWISE)

PROFIT

DEPRECIATION

TOTAL INFOW

OUTFLOW

FIXED ASSETS (SPECIFY DETAILS)

OTHERS (SPECIFY ITEMWISE)

DIVIDEND

TOTAL OUTFLOW

CASH & BANK BALANCES

OPENING BALANCE

NET INFLOW

CLOSING BALANCE








IMPORTANT RATIOS                                                                     RS. IN LAKHS

1ST YEAR
2ND YEAR
3RD YEAR
4TH YEAR
5TH YEAR
TOTAL
DEBT/EQUITY

OP. PROFIT/INCOME

PAT/INCOME

RETURN ON TOTAL ASSETS

RONW

DIVIDEND PAYOUT RATIO

DEBT SERVICE CONVERAGE
(PAT BEFORE INTEREST/ INTEREST)

EPS (RS.)

COMPOUNDED ANNUAL GROWTH RATE








BREAK EVEN POINT CALCULATIONS                                  RS. IN LAKHS

1ST YEAR
2ND YEAR
3RD YEAR
4TH YEAR
5TH YEAR
TOTAL
GROSS REVENUE

VARIABLE EXPENSES (SPECIFY ITEMWISE)

CONTRIBUTIONS

FIXED EXPENSES
(SPECIFY ITEMWISE)

PAT
BREAK-EVEN POINT

CASH BREAK-EVEN POINT






           

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