NBFC Business Plan

XYZ

Business Plan For the Financial Years 2011-12 to 2014-15 Back Ground XYZ) is a non-banking financial company (NBFC). It got the certificate of the incorporation incorporation on .................. In ......., the promoters of Volition Credit & Holdings Private Limited Company's Registered/Corporate Office at ________________________________________________________________ 

XYZ is a Loan Conmpany basically to provide loan to corporates and individuals.

Mr. ______________ and Mr. _____________, Directors of the Company. Mr. ___________________ is managing the business of the Company designated as ___________________.

XYZ Assumptions FY 2011-12 FY 2012-13 FY 2013-14 FY 2014-15

Particulars

20.00

CAPITAL AVAILABLE FOR INVESTMENT CASH BALANCE KEPT

Loan Taken

1.00

RS in Lac

Cumulative

-

25.00

30.00

35.00

-

25.00

55.00

90.00

Loan Given

19.00

25.00

30.00

35.00

Cumulative

19.00

44.00

74.00

109.00

Loan Term/Duration

Year

5

5

5

5

Loan Amount

%

100%

100%

100%

100%

Interest Rate

%

20

20

20

20

Repayment after 5 Years

After 5 Yrs

After 5 Yrs

After 5 Yrs

After 5 Yrs

Administrative Expenses

%

4

4

4

4

Interest and Financial Charges

%

13

13

13

13

0.5%

0.5%

0.5%

33.33%

33.33%

33.33%

20%

20%

20%

Provision for Loan Loss Income Tax Reserve Fund u/s 45IC

0.5% 33.33% 20%

XYZ

PROJECTED PROFIT AND LOSS ACCOUNT FOR THE FY 2011-12 TO FY 2014-15 ( Amount Rs in Lac) Particulars

Projected FY 2011-12

FY 2012-13

FY 2013-14

FY 2014-15

3.80

8.80

14.80

21.80

Income Interest Received Other Income (Commission etc.) TOTAL EXPENDITURE Interest Paid and Financial Charges Administrative Expenses

3.80

0.76 TOTAL

8.80

3.25 1.76 0.76

1 4.80

7.15 2.96 5.01

21.80

11.70 4.36

1 0.11

16.06

Profit before tax and provisions

3.04

3.79

4.69

5.74

Provision for Loan Loss Tax

0.10

0.22

0.37

0.55

Profit after tax

1.96

Add: Brought forward Profit/(Loss) for the Last Year 

0.98

1.19 2.38

1.44 2.88

1.73 3.46

-

1.57

3.47

5.78

Profit After Previous year Adjustment

1.96

3.95

6.35

9.24

Reserve Fund u/s 45IC

0.39

0.48

0.58

0.69

Profit/Loss Carried to Balance Sheet

1.57

3.47

5.78

8.55

XYZ PROJECTED BALANCE SHEET FOR THE FY 2011-12 TO FY 2014-15 ( Amount Rs in Lac)

Particulars

Projected FY 2011-12

FY 2012-13

FY 2013-14

FY 2014-15

I. SOURCES OF FUNDS: Shareholders' Funds: Capital

50.00

50.00

50.00

50.00

Resurves

0.39

0.87

1.44

2.14

Cumulative Surplus

1.57

3.47

5.78

8.55

25

55

90

0.32

0.69

1.23

Long Term Borrowings

-

Provision for Loan Loss

0.10

TOTAL

52.06

79.66

112.91

151.92

II. APPLICATION OF FUNDS: Current Assets, Loans and Advances: ( a) Cas h and bank balances

33.06

(b) Loans and Advances

35.66

38.91

42.92

19.00

44.00

74.00

109.00

52.06

79.66

112.91

151.92

Less: Current Liablities and Provisions: Liablities

-

Net Current Assets

52.06

Profit & Loss Account

79.66 -

TOTAL

52.06

-

79.66

-

112.91 -

112.91

-

151.92 -

151.92

(1)

XYZ PROJECTED CASH FLOW FOR THE FY 2011-12 TO FY 2014-15 Particulars

Projected FY 2011-12

FY 2012-13

FY 2013-14

FY 2014-15

Opening cash & Bank Balances Capital Profit before tax and provisions Loan Received

50.00 3.04 -

33.06

35.66

38.91

3.79 25.00

4.69 30.00

5.74 35.00

Total Inflow

53.04

61.85

70.35

79.65

Loan Given

19.00

25.00

30.00

35.00

Other Liabilities Paid Tax Paid

0.98

1.19

1.44

1.73

Total Outflow

19.98

26.19

31.44

36.73

Closing Balance

33.06

35.66

38.91

42.92

XYZ (Formerly known as Bhageria Credit and Holding Private Limited)

PROJECTED LOAN AND INTEREST FOR THE FY 2011-12 TO FY 2014-15 Particulars

FY 2011-12 FY 2012-13 FY 2013-14 FY 2014-15 -

19.00

44.00

74.00

19.00

25.00

30.00

35.00

19.00

44.00

74.00

109.00

25.00

55.00

Opening Loan (Assets) Loan Given During the Year by 1st day Closing Loan (Assets) -

-

Opening Loan (Liabilities) -

25.00

30.00

35.00

-

25.00

55.00

90.00

3.80

8.80

14.80

21.80

-

3.25

7.15

11.70

Loan Taken During the Year  Closing Loan (Liabilities) Interest Received Interest Paid