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Form I

(Rs. In lakhs)

Max. Min.

( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( 8 )

Short Term Bank Credit

1. Fund Based

O.C.C

(AgainstStocks and

Book Debts

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Form II : Operating Statement

Name : CHRISTY FRIEDGRAM INDUSTRY Rs.in Lacs

31.03.2007 31.03.2008 31.03.2009 31.03.2010

Last Year

Actuals

Last Year

Actuals

Current Year

Estimates

Next Year

Projection

Gross Sales

I. Domestic sales

ii. Export sales

Total(I+ii)

Less: Excies Duty

Net sales (1-2)

% rise (+) or fall (-) in net

sales as compared to previous year

Cost of sales

I. Raw materials(including

stores and other items used

in the process of manufacture

a. Imported

b. Indigenous

ii. Other spares

a. Imported

b. Indigenous

iii. Power and fuel

iv. Direct labour

(Factory wages and salaries)

v. Other manufacturing expenses

vi. Depreciation

vii. Add: opening stock

-in-process

ix. Sub-total (i+vi)

x. Deduct: Closing stock

-in-process

xi. Cost of production (ix-x)

xii. Add: Opening stock of

finished goods

xiii. Sub-total (xi+xii)

Assessment of Short Term Bank Credit

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ii. Deduct: Other non-

operating expenses

a. Drawings

b. Others

Sub-total (Expenses)

iii. Net other operating

income/expenses

[net of 11 (I) and (ii)]

Profit before Tax/Loss

[10+11(ii)]

3 Provisions of tax

4 Net profit/Loss (12-13)

5 a. Equity dividend

b. Dividend rate in %

6 Retained profit (14-15a)

7 Retained profit/Net profit(%)

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31.03.2007 31.03.2008 31.03.2009 31.03.2010

Last Year

Actuals

Last Year

Actuals

Current Year

Estimates

Next Year

Projection

Additional Data

Break-up of sales turnover

(inclusive of other income)

a. Domestic sales

1st Quarter

2nd Quarter

3rd Quarter

4th Quarter

Sub-total

b. Export sales

1st Quarter2nd Quarter

3rd Quarter

4th Quarter

Sub-total

Total (a+b) [to agree with 1(iii)]

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Form III : Analysis of Balance Sheet

Name : CHRISTY FRIEDGRAM INDUSTRY Rs.in Lacs

31.03.2007 31.03.2008 31.03.2009 31.03.2010

LIABILITIESLast Year

Actuals

Last Year

Actuals

Current Year

Estimates

Next Year

Projection

CURRENT LIABILITIES:

Short-term borrowings from banks

(including bills purchased, discounted &excess borrowings placed on repayment

basis)

a.from applicant bank

b. from other bank

c. (of which BP, BD & IND SME)

Sub-total (A) =(a+b)

Short term borrowings from others

Sundry creditors (Trade)Advance payments from customers/

deposits from dealers

Provision for taxation

Dividend payable

Other statutory liabilities

(due within one year)

Deposits/Debentures/Instalments

under term loans/DPGs,etc.

(due within one year)Other current liabilities and Provisions

(due within one year)(specify major

items)

Sub-total (B) =(Total of 2 to 9)

0 Total Current Liabilities (A+B)

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Assessment of Short Term Bank Credit

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TERM LIABILITIES:

Debentures(not maturing within one

year)

Preference shares(remeenable after one

year)

Term loans(excluding instalments

payable within one year)

4Deferred payment credits (excluding

instalments due within one year)

5 Term deposits(repayable after one year)

6 Other liabilities

7 Total Term Liabilities (total of 11to 16)

8 Total Outside Liabilities (10+17)

9 Ordinary Share Capital

0 General reserve

Revaluation reserve

Other reserves (excluding provisions)

3 Surplus(+) or deficit(-) in Profit&loss A/c

4 Net Worth (Total of 19 to 23)

5 Total Liabilities (18+24)

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31.03.2007 31.03.2008 31.03.2009 31.03.2010

ASSETSLast Year

Actuals

Last Year

Actuals

Current Year

Estimates

Next Year

Projection

CURRENT ASSETS:

6Cash and Bank balances (to include

margin LCs/Guarantees)

7 Investments (other than long term)

I. Govt. and other trustee secuities

II. Fixed deposits with banks

8

I. Receivables other than deferred and

exports(including bills purchased and

discounted by bankers)but excluding

receivables more than six months old

II. Export receivables(including bills

purchased / discounted by bankers)

Installments under deferred receivables

(due with in one year)

Inventory

I. Rawmaterials(including stores &

other

items used in the process of

Manufacture)

a. Imported

b. Indigenous

II. Stock-in-process

III. Finished goods

IV. Other consumable spares

a. Imported

b. Indigenous

Advance to suppliers of rawmaterials

and stores/spares

2 Advance payment of Taxes (TDS)

Other current assets (specify major

items)

Loans and advances due within one year

4 Total Current Assets (Total of 26 to 33)

FIXED ASSETS:

Gross Block ( land & building,

Machinery, work-inprogress)

6 Depreciation to date

7 Net Block (35-36)

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31.03.2007 31.03.2008 31.03.2009 31.03.2010

ASSETSLast Year

Actuals

Last Year

Actuals

Current Year

Estimates

Next Year

Projection

OTHER NON-CURRENT ASSETS:

8

Investments/book debts/

advances/deposits which are not current

assets

-

I. a. Investments in subsidy companies

b. Investments & Deposit with others

II. Advances to suppliers of capital goods

and contractors

III.Deferred receivables

(maturity exceeding one year)

IV.Factory advances & others

9 Non-consumable stores & spares

Other non-current assets includinga. dues from directors

b. receivables (more than 6 months old)

Total Non-Current Assets(38 to 40)

Intangible assets (patents, goodwill,

preliminery expenses, bad/doubtful

debts not provided for, etc.)

3 Total Assets (otal of 34,37,41&42)

4 Tangible Net Worth (24-42)

Net Working Capital

[(17+24)-(37+41+42)] to tally with (34-

10)

6 Current Ratio (34/10)

7Total Outside Liabilities /

Tangible Net Worth (18/44)

ADDITIONAL INFORMATION:

Arrears of depreciation

Contingent Liabilities

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FORM: IV

Comparative statement of Current Assets

Rs.in Lacs

31.03.2006 31.03.2007 31.03.2008

Particulars

Current Assets

A. above as % of Gross Sales

* To be carried over to B2 of Form V

Last 3 years actuals

Highest level

of holding in

the past 3

years

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FORM: V

Name : CHRISTY FRIEDGRAM INDUSTRY Rs.in Lacs

2008-09 2009-10

LIABILITIES Current year Next year

estimates projection

Gross Annual Sales

Total Current Assets on the above date1 45% of A or Projected current assets whichever is less

2 Highest levels in the past 3 years in terms of sales (% to sales)

3 B2 X A

4 B1 or B3 whichever is lower

Net working capital on projected date

1 25% of B4 minus maturing term liabilities

2 16.66% of B4

3 Projected as per Balance Sheet

4 Projections of NWC (C1, C2 or C3 whichever is higher)

Other current liabilities projected

Fund Based Short Term Bank Credit [B4-(C4+D)]

Note:

For construction industry, B1 will be ignored.

For sugar and tea, the extant cash budgeting system will be continued.

If the actual Current Ratio as on the latest available audited Balance Sheet is less than 1.20

(including repayments of term liabilities during the 12 months from the date of Balance Sheet as

current liabilities) or 1.33 (excluding these) the company should bring in sufficient long term

resources to bring the Ratio to 1.20 / 1.33 before release of fresh credit limits.

For credit limits upto Rs.2.crores it should be ensured that at least 20% of the projected sales

turnover (as assessed and accepted by the Bank) should be granted as working capital and the

minimum contribution by the borrower should be 5% of the such projected turnover.

For man-made textiles, fertilizers, food products & vegetable oil industries, B1 should be taken as

33 1/3% of A

Projected level of other current liabilities will include Annual maturing term liabilities (those

repayable within 12 months from the date of balance sheet) and should be generally in line with

past trends

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Assessment of Short Term Bank Credit

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Form VI : Funds Flow Statement

Name : CHRISTY FRIEDGRAM INDUSTRY Rs.in Lacs

31.03.2008 31.03.2009 31.03.2010

LIABILITIES Last year Current year Next year

Actuals estimates projection

Sources

a. Net profit (after tax)

b. Depreciation

c. Increase in capital

d. Increase in term liabilities(including public deposits)

e. Decrease in

I. Fixed Assets

II. Other non current assets

f. Others

g. Total

Uses

a. Net Loss

b. Decrease in term liabilities(including public deposits)

c. Increase in

I. Fixed Assets

II. Other non current assets

d. Others

e. TotalLong Term Surplus(+) deficit(-) (1-2)

Increase/decrease in current assets (details given bellow)

Increase/decrease in current liabilities other than bank borrowings

Increase/decrease in Working capital gap

Net surplus(+) / deficit(-)(Difference of 3 & 6)

Increase / decrease of bank borrowings

Increase / decrease in Net Sales

Break up of (4)

I. Increase / decrease in Rawmaterials

II. Increase / decrease in Stock in process

III.Increase / decrease in finished goods

IV. Increase / decrease in Receivables

a. Domestic

b. Exports

V. Increase / decrease in stores/spares

VI. Increase / decrease in other current assets

Note:

Assessment of Short Term Bank Credit

* Since net profit after tax is included in capital account. Net profit after tax need not be taken in to account.

Increase / decrease under items 4 to 8 as also under break up of 4 should be indicated by (+) or ( )