Linked Model
Edit any field (text or numbers). Everything is saved locally when you click Save.
| Prepared By | |
|---|---|
| Address | |
| Proposal | |
| Borrower |
| Term Loan Rate (%) | |
|---|---|
| CC Rate (%) | |
| Years | |
| FY Start |
Project Cost & Means of Finance
Asset values here drive the depreciation schedule and the Balance Sheet (Net Fixed Assets). Totals are linked.
Fixed Assets (Editable)
| Asset | Opening (₹) | Rate % |
|---|
| Fixed Capital Cost | 0 |
|---|---|
| Working Capital (initial) | |
| Total Project Cost | 0 |
Means of Finance
| Term Loan Sanction (₹) | |
|---|---|
| Cash Credit Limit (₹) | |
| Promoter’s Contribution (₹) | |
| Total Finance | 0 |
If your bank funds 100% under a scheme, set Promoter’s Contribution to 0.
Depreciation – WDV Method
Year-wise WDV is computed from opening values and rates. Defaults match your schedules (e.g., P&M 15%, Building 10%, Computer 40%).
Projected Profit & Loss (Linked)
Edit Sales, major cost lines, and operating expenses. Interest & depreciation are linked from Loan & Depreciation schedules.
Sales & Direct Costs
Opex & Finance
Summary
Working Capital Assessment (70% Utilisation)
Holding & Margins
| Item | Holding | Margin % |
|---|---|---|
| Raw Materials (₹) | ||
| Consumable Stores (₹) | ||
| Finished Goods (₹) | ||
| Advances to Suppliers (₹) | ||
| Debtors (₹) | ||
| Expenses (₹) |
Assessment
| Total Current Assets (₹) | 0 |
|---|---|
| Total Eligible Margin (₹) | 0 |
| Bank Finance Required (₹) | 0 |
This block is also used in MPBF and Balance Sheet (Debtors/Stock/Advances can be year-wise below).
MPBF – Maximum Permissible Bank Finance
Both traditional methods are computed from Current Assets / Current Liabilities. You can edit the year-wise CA/CL below.
Projected Cash Flow
PBIT is linked from P&L; Depreciation from WDV; Interest from loan; working capital changes from CA/CL; tax from PBT rate below.
| Tax Rate (%) | |
|---|---|
| Owner Drawings (₹/yr) | |
| Extra Capex Y1 (₹) |
| Term Loan EMI (annual principal) | |
|---|---|
| Repayment Start Year |
Projected Balance Sheet
Net Fixed Assets are linked from WDV; Current Assets/Liabilities from MPBF block (editable); Cash is balancing item from Cash Flow.
Key Ratios & DSCR
Assumptions
- Projected increment in gross receipts and expenditure can be set by editing Sales & Cost rows directly.
- Term Loan @ 11%, CC @ 11% (editable on top).
- WDV rates: P&M 15%, Building 10%, Computer 40%, Furniture 10%, Vehicle 15% (editable per asset).
- MPBF shown by Method-1 and Method-2; choose whichever your banker requires.
