GP RATIO 4% 5% 5% 5% 4% 6%

NP RATIO 2% 3% 3% 3% 3% 4%
Name :UNIQUE COMPUTERS & MOBILE Status : PROPRIETORY ABDULGANI JAINUDDIN SHAIKH

ASSESSMENT OF WORKING CAPITAL REQUIREMENTS

OPERATING STATEMENT
Amounts in : Crores
2019-20
Projecte 2020-21 2021-22 2022-23 2023-24 2024-25
Particulars d Projected Projected Projected Projected Projected
1. Gross Sales
(i) Domestic sales 19.20 20.95 21.75 22.98 23.02 23.45
(ii) Export Sales 0.00 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 0.00
Total 19.20 20.95 21.75 22.98 23.02 23.45

2. Less excise duty 0.00 0.00 0.00 0.00 0.00 0.00

Deduct other items 0.00 0.00 0.00 0.00 0.00 0.00
3. Net Sales(item 1 - item 2) 19.20 20.95 21.75 22.98 23.02 23.45

4. % age rise (+) or fall (-) in net sales 0.00 9.11 3.82 5.66 5.66 0.17

5. Cost of Sales
(i)Raw Material 17.95 18.95 19.35 20.20 20.35 20.39

(a) Imported 0.00 0.00 0.00 0.00 0.00 0.00

(b) Indigenous 0.00 0.00 0.00 0.00 0.00 0.00
(ii) Other Consumables 0.45 0.74 0.92 0.98 1.02 1.04

(a) Imported 0.00 0.00 0.00 0.00 0.00 0.00

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

(a) Imported 0.00 0.00 0.00 0.00 0.00 0.00

(b) Indigenous 0.00 0.00 0.00 0.00 0.00 0.00
(iv) Power and Fuel 0.00 0.00 0.00 0.00 0.00 0.00
(v) Direct Labour / Expenses 0.24 0.36 0.49 0.56 0.59 0.63
(vi) Other mfg. expenses 0.00 0.00 0.00 0.00 0.00 0.00
(vii) Depriciation 0.02 0.02 0.02 0.02 0.02 0.02
(viii) Sub Total (i to vii) 18.66 20.07 20.78 21.76 21.98 22.08

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

Sub Total 18.66 20.07 20.78 21.76 21.98 22.08

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

(xi) Cost of Production 18.66 20.07 20.78 21.76 21.98 22.08
(xii) Add : Opening Stock of Finished
Goods 0.00 0.18 0.39 0.39 0.41 0.41
Sub Total 18.66 20.25 21.17 22.15 22.39 22.49

(xiii) Deduct:Closing stocks of Finished

Goods 0.18 0.39 0.55 0.41 0.43 0.49
Sub-Total (Total Cost of Sales) 18.48 19.86 20.62 21.74 21.96 22.00
6. Selling, general and administrative
exp. 0.04 0.06 0.09 0.09 0.11 0.12
7. Sub Total (5+6)(Total Cost of Sales) 18.51 19.92 20.71 21.83 22.07 22.12

8. Operating Profit befor Interest(3-7) 0.69 1.03 1.05 1.15 0.95 1.33

9. Interest 0.11 0.11 0.11 0.11 0.11 0.11

10. Operating profit after interest (8-9) 0.58 0.92 0.94 1.04 0.84 1.22

11. (i) Add other non-operating income

(a) 0.00 0.00 0.00 0.00 0.00 0.00
(b) 0.00 0.00 0.00 0.00 0.00 0.00
(c) 0.00 0.00 0.00 0.00 0.00 0.00
(d) 0.00 0.00 0.00 0.00 0.00 0.00
Sub Total (Income) 0.00 0.00 0.00 0.00 0.00 0.00

(ii) Deduct other non-operation expenses

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

Net of other non-operation income/exp. 0.00 0.00 0.00 0.00 0.00 0.00

12. Profit before tax 0.58 0.92 0.94 1.04 0.84 1.22

[10+11(iii)]
13. Provision for taxes 0.15 0.23 0.24 0.26 0.21 0.21

Current 0.15 0.00 0.00 0.00 0.00 0.00

Deferred 0.00 0.00 0.00 0.00 0.00 0.00
14. Net Profit/loss (12-13) 0.43 0.69 0.70 0.78 0.63 1.01

15. (a) Equity dividend paid- amount 0.00 0.00 0.00 0.00 0.00 0.00
(b) Dividend Rate (in %) 0.00 0.00 0.00 0.00 0.00 0.00
16. Retained Profit 0.43 0.69 0.70 0.78 0.63 1.01

17. Retained Profit/Net Profit (% Age) 100.00 100.00 100.00 100.00 100.00 100.00
 2025-26
Projected

23.95
0.00
0.00
23.95

0.00
0.00
23.95

2.13

20.45

0.00
0.00
1.10

0.00
0.00
0.00

0.00
0.00
0.00
0.65
0.00
0.02
22.22

0.00
22.22

0.00
22.22
 0.49
22.71

0.52
22.19
 0.12
22.31

1.64

0.11

1.53

0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00

0.00

1.53

0.39

0.00
0.00
1.14

0.00
0.00
1.14

100.00
Name :UNIQUE COMPUTERS & MOBILE Status : PROPRIETORY ABDULGANI JAINUDDIN SHAIKH

ANALYSIS OF BALANCE SHEET

Amounts in : Crores

2019-20 2020-21 2021-22 2022-23 2023-24 2024-25

Particulars Projected Projected Projected Projected Projected Projected
CURRENT LIABILITIES
1. Short-term Borrowing from Banks
(i) From Applicant Bank (CC) 1.25 1.07 0.89 0.71 0.54 0.36
(iii) (of which OCC discount) 0.00 0.00 0.00 0.00 0.00 0.00
Sub Total(A) 1.25 1.07 0.89 0.71 0.54 0.36

2. Short Term Borrowings from Others 0.00 0.70 0.95 0.90 0.95 0.99

3. Sundry Creditor (Trade) 0.35 0.41 0.32 0.29 0.35 0.41

4. Advance payments from customers/ deposits from

dealers 0.15 0.14 0.12 0.11 0.10 0.09

5. Provision for taxation 0.15 0.99 0.24 0.26 0.21 0.21

6. Dividend payable 0.00 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 0.00

8. Deposits/Instalments of term loans (due within one

year) 0.18 0.18 0.18 0.17 0.18 0.18

9. Other current liabilities

(a) Other Payable 0.10 0.25 0.40 0.65 0.45 0.55
(b) 0.00 0.00 0.00 0.00 0.00 0.00
(c) 0.00 0.00 0.00 0.00 0.00 0.00
(d) 0.00 0.00 0.00 0.00 0.00 0.00

Sub Total (B) 0.93 2.67 2.21 2.38 2.24 2.43

10. TOTAL CURRENT LIABILITIES 2.18 3.74 3.10 3.09 2.78 2.79

TERM LIABILITIES

11.Debentures 0.00 0.00 0.00 0.00 0.00 0.00

12.Preference shares 0.00 0.00 0.00 0.00 0.00 0.00

13.Term loans(excld instalments payable within one year
Housing Loan) 1.10 1.10 1.10 1.10 1.10 1.10

14.Deferred Payment Credits 0.00 0.00 0.00 0.00 0.00 0.00

15.Long Term Advances (repayable after one year) 0.00 1.08 0.00 0.00 0.00 0.00

16.Other term liabilities 0.00 0.00 4.78 0.00 0.00 0.00

17. TOTAL TERM LIABILITIES 1.10 2.18 5.88 1.10 1.10 1.10

18. TOTAL OUTSIDE LIABILITIES [10+17] 3.28 5.92 8.98 4.19 3.88 3.89

NET WORTH

19. Capital 0.58 1.27 1.97 2.75 3.38 4.39

20.General Reserves 0.00 0.00 0.00 0.00 0.00 0.00

21.Share application money 0.00 0.00 0.00 0.00 0.00 0.00

22.Other reserves (subsidy) 0.00 0.00 0.00 0.00 0.00 0.00

23.Surplus or deficit in Profit and loss A/c 0.00 0.00 0.00 0.00 0.00 0.00

23a.Others (specify) (Deferred tax liability) 0.00 0.00 0.00 0.00 0.00 0.00

24. NET WORTH 0.58 1.27 1.97 2.75 3.38 4.39

25. TOTAL LIABILITIES 3.86 7.19 10.95 6.94 7.26 8.28

CURRENT ASSETS

26.Cash and bank balances 0.85 1.33 1.95 0.25 0.28 0.45

27. Investments (other than long term inverstments) 0.00 1.65 1.99 0.19 0.25 0.46
(i) Government and other Trustee Securities 0.00 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 0.00

28.(i) Receivables other than deferred and

exports(including bills purchased and discounted by
banks) 0.91 1.51 1.96 0.88 0.24 0.78
(ii)Export receivables((including bills purchased and
discounted by banks) 0.00 0.00 0.00 0.00 0.00 0.00

29. Instalments of deferred re-ceivables(due within one

year) 0.00 0.00 0.00 0.00 0.00 0.00

30. Inventory 0.18 0.22 0.26 0.31 0.31 0.37

(i) Raw Materials(including stores and other items used

in the process of manufacture) 0.00 0.00 0.00 0.00 0.00 0.00
a) Imported 0.00 0.00 0.00 0.00 0.00 0.00
b) Indigenous 0.00 0.00 0.00 0.00 0.00 0.00
(ii) Stocks-in-Process 0.00 0.00 0.00 0.00 0.00 0.00
(iii) Finished Goods 0.18 0.22 0.26 0.31 0.31 0.37
(iv) Other Consumables 0.00 0.00 0.00 0.00 0.00 0.00
a) Imported 0.00 0.00 0.00 0.00 0.00 0.00
b) Indigenous 0.00 0.00 0.00 0.00 0.00 0.00
(iv) Packing Material 0.00 0.00 0.00 0.00 0.00 0.00
a) Imported 0.00 0.00 0.00 0.00 0.00 0.00
b) Indigenous 0.00 0.00 0.00 0.00 0.00 0.00

31.Advances to suppliers of raw material, stores and

expenses. 0.25 0.55 0.95 1.15 1.95 1.88
32.Advance payment of taxes 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
33. Other current Assets 1.44 2.90 2.91 1.25 0.75 0.25
(a) IOC Deposit 0.50 0.50 0.50 0.50 0.50 0.50
(b) Int. receivable 0.00 0.00 0.00 0.00 0.00 0.00
(C) Misc. 0.00 0.00 0.00 0.00 0.00 0.00

34. TOTAL CURRENT ASSETS [total of 26 to 33] 2.69 5.76 7.61 3.28 3.53 4.44

FIXED ASSETS
35.Gross Block 0.500 0.485 1.665 1.645 1.625 1.605
36.Depreciation to date 0.015 0.020 0.020 0.020 0.020 0.020
37. NET BLOCK [35-36] 0.49 0.47 1.65 1.63 1.61 1.59
OTHER NON-CURRENT ASSETS

38. Investments/book debts/advances/deposits which are

not Current Assets 0.45 0.47 0.52 0.63 0.84 0.69
a)Investments in subsidiary companies/affiliates 0.00 0.00 0.00 0.00 0.00 0.00
b)others (Ornement) 0.00 0.00 0.00 0.00 0.00 0.00

(i)Advances to suppliers of capital goods and contractors 0.00 0.00 0.00 0.00 0.00 0.00
(ii)Deferred receivables (maturity exceeding one yr) 0.00 0.00 0.00 0.00 0.00 0.00
(c)others 0.00 0.00 0.00 0.00 0.00
(i) Debtors > 6 months 0.18 0.19 0.29 0.39 0.41 0.27
(ii) security deposit 0.05 0.05 0.05 0.05 0.05 0.05

39.Non-consumables stores and spares 0.00 0.00 0.29 0.36 0.12 0.25

40. Other Deposit 0.00 0.00 0.00 0.00 0.00 0.00

41. TOTAL OTHER NON-CURRENT ASSETS 0.68 0.71 1.15 1.43 1.42 1.26

42. Intangible assets(patents, goodwill,prelim. expenses,

bad/doubtful exp.not provided for, etc.) 0.00 0.25 0.55 0.60 0.70 0.99

43. TOTAL ASSETS [34+37+41+42] 3.86 7.18 10.95 6.94 7.26 8.28

44. TANGIBLE NET WORTH [24-42] 0.58 1.02 1.42 2.15 2.68 3.40

45. NET WORKING CAPITAL 0.52 2.03 4.50 0.19 0.75 1.65
[(17+24)-(37+41+42)] 0.52 2.03 4.50 0.19 0.75 1.65

46. Current Ratio 1.24 1.54 2.45 1.06 1.27 1.59

47. Total Outside Liabilities/Tangible Net Worth 5.63 5.80 6.33 1.95 1.45 1.14

48. Total Term Liabilities/Tangible Net Worth 1.89 2.14 4.14 0.51 0.41 0.32

Difference [25-43] 0.00 0.00 0.00 0.00 0.00 0.00

 2025-26
Projected

0.18
0.00
0.18

0.99

0.62

0.10

0.39

0.00

0.00

0.18

0.55
0.00
0.00
0.00

2.83

3.01

0.00

0.00
1.10

0.00

0.00

0.00

1.10

4.11

5.53

0.00

0.00

0.00

0.00

0.00

5.53
9.64

0.39

0.52
 0.00
0.00

0.72

0.00

0.00

0.45

0.00
0.00
0.00
0.00
0.45
0.00
0.00
0.00
0.00
0.00
0.00

1.21
0.00
0.00
3.50
0.50
0.00
0.00

3.79

3.456
0.020
3.44
0.85
0.00
0.00

0.00
0.00
0.00
0.19
0.00

0.39

0.00

1.43

0.99

9.64

4.54

0.77
0.77

1.26

0.91

0.24

0.00
Name :UNIQUE COMPUTERS & MOBILE Status : PROPRIETORY ABDULGANI JAINUDDIN SHAIKH

COMPARATIVE STATEMENT OF
CURRENT ASSETS & CURRENT LIABILITIES
Amounts in : Crores
2019-20
Projecte 2020-21 2021-22 2022-23 2023-24 2024-25 2025-26
Particulars d Projected Projected Projected Projected Projected Projected
A. CURRENT ASSETS
1. Raw Materials(including stores and
other used in the process of mfg) 4.30 4.85 5.12 5.35 5.96 6.10 6.10
(a) Imported
Amount 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(b) Indigenous :
Amount 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2. Other Consumables 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(a) Imported
Amount 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(b) Indigenous :
Amount 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3. Packing Material 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(a) Imported
Amount 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(b) Indigenous :
Amount 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4. Stocks-in-process
Amount 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5. Finished goods:
Amount 2.50 0.22 0.26 0.31 0.31 0.37 0.45

6. Receivables other than export and

deferred receivables(including bill
purchased and discounted by banks)
Amount 0.91 1.51 1.96 0.88 0.24 0.78 0.72

7. Export receivables(include bill

purchased and discount)
Amount 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8. Advances to Supplier 0.25 0.55 0.95 1.15 1.95 1.88 1.21

9. Other Current Assets (specify major

Items) 0.85 1.33 1.95 0.25 0.28 0.45 0.39
Cash and Bank Balance 0.85 1.33 1.95 0.25 0.28 0.45 0.39
Investment except long term 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Installment of Deferred receivables 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Advance Payment of Taxes 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10. TOTAL CURRENT ASSETS 8.81 8.46 10.24 7.94 8.74 9.58 8.87

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

11. Creditors for purchase of raw

materials, stores and consumable spares
Amount 0.35 0.41 0.32 0.29 0.35 0.41 0.62

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

13. Statutory liabilities 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14. Other Current liabilities-specify major

items 1.25 1.07 0.89 0.71 0.54 0.36 0.18
(a) S.T. borrowings others 1.25 1.07 0.89 0.71 0.54 0.36 0.18
(b) Divident Payable 0.00 0.00 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 0.00 0.00
(d) Other 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(a) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(b) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(c) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(d) 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15. TOTAL CURRENT LIABILITIES 1.60 1.48 1.21 1.00 0.89 0.77 0.80
 Name :UNIQUE COMPUTERS & MOBILE Status : PROPRIETORY ABDULGANI JAINUDDIN SHAIKH

FUNDS FLOW STATEMENT

Amounts in : Crores
2019-20 2020-21 2021-22 2022-23 2023-24 2024-25
PartiCulars Projected Projected Projected Projected Projected Projected
1. SOURCES
(a) Net Profit 0.43 0.69 0.70 0.78 0.63 1.01

(b) Depriciation 0.02 0.02 0.02 0.02 0.02 0.02

(c) Increase in Capital 1.51 0.69 0.70 0.78 1.41 1.64

(d) Increase in term liabilities,including public

deposit 0.00 0.00 0.00 0.00 0.00 0.00

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

(f) Other (income tax w/o) 0.00 0.00 0.00 0.00 0.00 0.00

(g) Total 1.96 1.40 1.42 1.58 2.06 2.67

2. USE

(a) Net loss 0.00 0.00 0.00 0.00 0.00 0.00

(b) Decrease in term liabilities, including public

deposits 0.00 0.00 0.00 0.00 0.00 0.00

(c) Increase in
(i) Fixed Assets 1.50 1.90 1.75 1.60 1.40 2.50
(ii) Other non-current Assets 0.00 0.00 0.00 1.15 0.00 0.00

(d) Dividend 0.00 0.00 0.00 0.00 0.00 0.00

(e) (i) Others (share application) 0.00 0.00 0.00 0.00 0.00 0.00
(ii) Decrease in general reserve 0.00 0.00 0.00 0.00 0.00 0.00
(net Deferred tax)

(f) Total 1.50 1.90 1.75 2.75 1.40 2.50

3. LONG TERM SURPLUS/DEFICIT 0.46 -0.50 -0.33 -1.17 0.66 0.17

4. Increase / Decrease in Current Assets 0.00 0.50 0.62 0.69 0.74 0.74

5. Increase / Decrease in Current Liabilities 0.00 0.20 0.40 -0.15 -0.25 -0.25
.

6. Increase / Decrease in Working Capital gap 0.00 0.30 0.22 0.84 0.99 0.99

7. Net Surplus / Deficit 0.46 -0.80 -0.55 -2.01 -0.33 -0.82

8. Increase / Decrease in Bank Borrowings 0.00 0.35 0.42 0.50 -0.38 -0.38

INCREASE / DECREASE IN NET SALES 1.75 0.80 1.23 0.47 0.43 0.43

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

(ii) Increase / Decrease in Stock in Process 0.00 0.00 0.00 0.00 0.00 0.00

(iii) Increase / Decrease in Finished Goods 0.21 0.27 -0.14 0.35 0.41 0.41

(iv) Increase / Decrease in receivables

(a) Domestic 0.60 0.45 -1.08 -0.10 0.54 -0.78
(b) Export 0.00 0.00 0.00 0.00 0.00 0.00

(v) Increase / Decrease in consumables

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

(vi) Increase / Decrease in packing Material 0.00 0.00 0.00 0.00 0.00 0.00

(vii) Increase / Decrease in other current assets 0.00 -0.14 0.00 0.21 0.00 0.00

Total 0.81 0.58 -1.22 0.46 0.95 1.10

Amounts in : Crores
2025-26
Projected

1.14

0.42

1.14

0.00

0.00
0.00

0.00

2.70

0.00

0.00

2.50
0.00

0.00

0.00
0.00

2.50

0.20
0.74 7.05

-0.25

0.99

-0.79

-0.38

0.50

0.00

0.00

0.41

0.72
0.00

0.00
0.00

0.00

0.00

1.13
Name :UNIQUE COMPUTERS & MOBILE Status : PROPRIETORY ABDULGANI JAINUDDIN S

COMPUTATION OF MAXIMUM PERMISSIBLE

BANK FINANCE FOR WORKING CAPITAL
Amounts in : Crores

2019-20 2020-21 2021-22 2022-23 2023-24 2024-25 2025-26

Particulars Projected Projected Projected Projected Projected Projected Projected
FIRST METHOD OF LENDING
1. Total Current Assets 2.69 5.76 7.61 3.28 3.53 4.44 3.79

2. Other Current Liabilities 0.93 2.67 2.21 2.38 2.24 2.43 2.83
(Other than Bank Borrowing)

3. Working Capital Gap 1.77 3.09 5.40 0.90 1.29 2.01 0.96

4. Min stipulated Net working capital

(25% of WCG excluding export
receivables) 0.44 0.77 1.35 0.23 0.32 0.50 0.24

5. Actual / Projected Net Working

Capital 0.52 2.03 4.50 0.19 0.75 1.65 0.77

6. Item 3 minus item 4 1.32 2.32 4.05 0.68 0.97 1.51 0.72

7. Item 3 minus item 5 1.25 1.07 0.89 0.71 0.54 0.36 0.18

8. Maximum Permissible Bank

Finance 1.25 1.07 0.89 0.71 0.54 0.36 0.18
(lower of 6 or 7)

9. Excess Borrowing Representing

shortfall in NWC 0.00

SECOND METHOD OF LENDING

1. Total Current Assets 2.69 5.76 7.61 3.28 3.53 4.44 3.79

2. Other Current Liabilities 0.93 2.67 2.21 2.38 2.24 2.43 2.83
(Other than Bank Borrowing)

3. Working Capital Gap 1.77 3.09 5.40 0.90 1.29 2.01 0.96

4. Min stipulated Net working capital

(25% of Total of Current Assets
excluding export receivables) 0.67 1.44 1.90 0.82 0.88 1.11 0.95

5. Actual / Projected Net Working

Capital 0.52 2.03 4.50 0.19 0.75 1.65 0.77
6. Item 3 minus item 4 1.09 1.65 3.50 0.08 0.41 0.90 0.01

7. Item 3 minus item 5 1.25 1.07 0.89 0.71 0.54 0.36 0.18

8. Maximum Permissible Bank

Finance 1.25 1.07 0.89 0.71 0.54 0.36 0.18
(lower of 6 or 7)

9. Excess Borrowing Representing

shortfall in NWC
Name :UNIQUE COMPUTERS & MOBILE Status : PROPRIETORY ABDULGANI JAINUDDIN SH

ANALYSIS OF RATIO

Amounts in : Crores

2019-20 2020-21 2021-22 2022-23 2023-24 2024-25 2025-26

Particulars Projected Projected Projected Projected Projected Projected Projected
% TO COST OF SALE

Sales 19.20 20.95 21.75 22.98 23.02 23.45 23.95

Other Revenue 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Excise And Other Items 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Sale 19.20 20.95 21.75 22.98 23.02 23.45 23.95

Raw Material 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Consumables 3.20 3.90 4.10 4.90 5.20 7.20 7.20
Packing Material 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Repairs & Maintance 0.56 1.61 3.69 4.10 5.50 7.50 7.50
Labour 1.56 1.99 3.01 3.15 5.50 6.20 6.20
Other MFG/ Exp 4.90 4.50 5.50 6.10 8.80 8.90 8.90
Increase in Stock-WIP 1.99 2.90 2.99 3.50 3.90 5.02 5.02
COP 12.21 14.90 19.29 21.75 28.90 34.82 34.82
Increase in Stock-FG 0.09 0.04 0.04 0.00 1.20 0.60 0.60
Total Exp 12.12 14.86 19.25 21.75 27.70 34.22 34.22

GP 7.08 6.09 2.50 1.23 -4.68 -10.77 -10.27

Other Non Operating Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Indirect Exp 0.04 0.06 0.09 0.09 0.11 0.12 0.12
Percent(%)

Interest 0.88 0.68 0.51 0.32 0.33 0.31 0.31

Depreciation 0.02 0.02 0.02 0.02 0.02 0.02 0.02
Non-Operating Exp. 2.50 2.60 2.70 2.90 3.10 3.20 3.20
Provision for tax 0.15 0.23 0.24 0.26 0.21 0.21 0.39
Net Profit 6.01 5.09 1.65 0.54 -5.35 -11.43 -11.11

GROSS PROFIT RATIO 36.88 29.05 11.51 5.35 -20.33 -45.93 -42.88

NET PROFIT RATIO 31.28 24.32 7.58 2.35 -23.24 -48.74 -46.39

STOCK 0.18 0.22 0.26 0.31 0.31 0.37 0.45

Add: Debtors 0.91 1.51 1.96 0.88 0.24 0.78 0.72
Less: Creditors 0.35 0.41 0.32 0.29 0.35 0.41 0.62
NET PAID STOCK 0.74 1.32 1.90 0.90 0.20 0.74 0.55
MARGIN
DP 0.74 1.32 1.90 0.90 0.20 0.74 0.55
Bank Loan 1.25 1.07 0.89 0.71 0.54 0.36 0.18

Export Debtors 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Margin
DP 0.74 1.32 1.90 0.90 0.20 0.74 0.55

Total DP 0.74 1.32 1.90 0.90 0.20 0.74 0.55

Less: DEFICIT OF UNPAID STOCK

NET 0.91 1.51 1.96 0.88 0.24 0.78 0.72
MARGIN
DP 0.91 1.51 1.96 0.88 0.24 0.78 0.72

TOTAL 0.74 1.32 1.90 0.90 0.20 0.74 0.55

CURRENT RATIO 1.24 1.54 2.45 1.06 1.27 1.59 1.26

MPBF 1.25 1.07 0.89 0.71 0.54 0.36 0.18
Total of Liabilities 3.86 7.19 10.95 6.94 7.26 8.28 9.64
Total of Assets 3.86 7.18 10.95 6.94 7.26 8.28 9.64
Difference in B/S 0.00 0.00 0.00 0.00 0.00 0.00 0.00

TOL/TNW 3.73 2.94 1.57 1.12 0.82 0.64 0.54

TTL/TNW 1.89 1.72 2.99 0.40 0.33 0.25 0.20

KEY RATIO
Growth in Net Sales 9.11 3.82 5.66 5.84 2.05 2.13
Growth in Net Worth 118.11 55.03 39.60 71.59 59.65 25.97
LIQUIDITY RATIO
Current Ratio 1.24 1.54 2.45 1.06 1.27 1.59 1.26
Quick Ratio 0.92 0.91 1.57 0.74 0.89 1.11 0.77
EFFICIENCY RATIO
Stock TurnOver Ratio 53.33 18.38 11.57 14.36 13.70 13.03 11.86
Total Assets TurnOver Ratio 4.98 2.92 1.99 3.31 3.17 2.83 2.48
Fixed Assets TurnOver Ratio 39.59 45.05 13.22 14.14 14.34 14.79 6.97
Current Assets TurnOver Ratio 7.14 3.64 2.86 7.00 6.52 5.28 6.32
Working Capital TurnOver Ratio 10.88 6.78 4.03 25.50 17.83 11.65 25.00
Capital TurnOver Ratio 32.96 16.49 11.04 8.36 6.81 5.34 4.33

PROFITABILITY RATIO
Gross Profit Ratio 36.88 29.05 11.51 5.35 -20.33 -45.93 -42.88
Expenses Ratio
RM Consumed Ratio -0.94 -1.00 -0.74 -0.09 -0.09 -0.34 -0.13
Manufacturing Expenses Ratio 0.08 0.10 0.09 0.09 0.09 0.09 0.08
Indirect Expenses Ratio 0.18 0.30 0.39 0.39 0.48 0.51 0.50
Finance Expenses Ratio 0.59 0.53 0.49 0.48 0.48 0.47 0.46
Non Operating Expenses Ratio

Net Profit Ratio 31.28 24.32 7.58 2.35 -23.24 -48.74 -46.39
Return on Capital Employed 0.18 0.14 0.10 0.17 0.13 0.16 0.17

SOLVENCY RATIO
Debt-Equity Ratio 5.63 4.66 4.56 1.52 1.15 0.89 0.74
Interest coverage ratio 6.27 9.53 10.06 10.64 8.82 12.27 15.09
Name :UNIQUE COMPUTERS & MOBILE Status : PROPRIETORY ABDULGANI JAINUDDIN SHAIKH

COMPUTATION OF MAXIMUM PERMISSIBLE BANK FINANCE FOR WORKING CAPITAL

Turnover Method
Amounts in : Crores

2019-20 2020-21 2021-22 2022-23 2023-24 2024-25

Particulars Projected Projected Projected Projected Projected Projected
A. Turnover 19.20 20.95 21.75 22.98 23.02 23.45
B. 25.00% of (A) 4.80 5.24 5.44 5.75 5.76 5.86
C. Margin Required at 5.00% of (A) 0.96 1.05 1.09 1.15 1.15 1.17
D. Margin (NWC) 0.52 2.03 4.50 0.19 0.75 1.65
E. (B - C) 3.84 4.19 4.35 4.60 4.60 4.69
F. (B-D) 4.28 3.21 0.93 5.55 5.00 4.21
G. MPBF ( E or F whichever is lower) 3.84 3.21 0.93 4.60 4.60 4.21
H. Excess borrowing 0.00 0.00 0.00 0.00 0.00 0.00
 2025-26
Projected
23.95
5.99
1.20
0.77
4.79
5.21
4.79
0.00
Computation of Debt Service Coverage Ratio

2019-20 2020-21 2021-22 2022-23

Particulars Projected Projected Projected Projected
Net Profit 0.43 0.69 0.70 0.78
Add: Interest 0.11 0.11 0.11 0.11
Add: Depreciation 0.02 0.02 0.02 0.02
Add: Tax 0.15 0.23 0.24 0.26
Net Cash Accruals 0.71 1.05 1.07 1.17
Repayment obligations
(i) Towards Bank [Interest] 0.11 0.11 0.11 0.11
(II) Towards Term Loan Int. & Install. 1.10 1.5 1.5 1.5
Interest Coverage Ratio 6.2666667 9.5272727 10.056657 10.636364
Debt Service Coverage Ratio 0.6409091 0.6986667 0.71 0.78
AVERAGE DSCR 4.534
 2023-24 2024-25 2025-26
Projected Projected Projected
0.63 1.01 1.14
0.11 0.11 0.11
0.02 0.02 0.02
0.21 0.21 0.39
0.97 1.35 1.66

0.11 0.11 0.11

1.5 1.5 1.5
8.8181818 12.272727 15.090909
0.6466667 0.9 1.1066667
4.534
 Prop : ABDULGANI JAINUDDIN SHAIKH
Loan Amount Rs. 8.9 Lakhs

Cost of Project Rs. 10 Lakhs

Projected financials are subject to information made available and are based on certain assumptions
and subject to vary as per the circumstances.
STATEMENT - I
UNIQUE COMPUTERS & MOBILE

STATEMENT OF COST OF PROJECT & MEANS OF FINANCE

COST OF PROJECT MEANS OF FINANCE

( RS. IN LACS )
S.NO. DETAILS Total S.NO. DETAILS

1 Land 0.000 1 Own contribution

2 Plant & Machinery 0.000 2 Term Loan / CC/OD
3 Building Shed 0.000 3 Dic Seed Money
4 Machinery 0.000 Margin Money
5 Vehicles 0.000
6 Computer 0.300
7 Electrical 0.000
8 Furniture ( Table, 1.200
Chair & Counter
Furni )
9 Raw Material ( Mobiles, 8.500
Papers, Rechrge
Voucher )
10 ETP & RO System 0.000
11 Medecine 0.000

Total 10.000

10 Pre production Interest 0.00

Total 10.000
NANCE

NANCE
( RS. IN LACS )
Total

1.100
8.900 1007800 50390
0.000 10.078 0.5039

10.000 0.000
 PROJECT REPORT

M/S - UNIQUE COMPUTERS & MOBILE

ADRESS AT/POST- KHANDALA
TAL - KHANDALA
DIST-SATARA
TYPE OF FIRM PROPRIETOR

PROPRIETOR ABDULGANI JAINUDDIN SHAIKH

EMAIL_ uniquecom19881@gmail.com
MOBILE NO 9970882885.
BUSINESS
DETAIL TRADERS
BANK NAME BANK OF MAHARSHTRA
RATE OF INTREST 9.9 PER ANNUM
WORKING CAPITAL .56 LAKH
NO OF LABOUR SELF
CAPITAL EXPENDITURE 2.1 LAKH