lone project

1. A
PROJECT ON
“PROJECTED FINANCIAL STATEMENTS TO BE
SUBMITED TO THE BANK FOR LOAN PROPOSAL”
OF
“Shree Ganesh general store, BARAMATI -413102”
SUBMITTED BY
MAKAR AMOL SHAHAJI
T.Y.B.B.A
ROLL NO: 9338
SEAT NO:24164
UNDER GUIDANCE OF
PROF.MRS.M.R.BADVE
SUBMITTED FOR
REQUIREMENT OF
BACHELOR DEGREE IN BUSINESS ADMINISTRATION
THE PRINCIPAL,
TULJARAM CHATURCHAND COLLEGE, BARAMATI
AFFILIATED TO
UNIVERSITY OF PUNE
2011-2014.

2. 2
Acknoledgement
This project report on the study “Projected Financial statement to
the bank for loan proposal at “SHREE GANESH GENERAL
STORE, BARAMATI”, for partial requirement of “Bachelor of
Business Administration “(B.B.A) form University of PUNE.
I am thankful to our principal Prof. Dr. C.V. Murumkar sir
who gave me permission to undertake this project. I wish to thank teacher
Prof. Mrs. M.R. Badave, who Provide meaningful insight to the study &
helped me to prepare the project.
I am thankful to the guider of the Business owner Mr.M.R.Shah
For giving permission to undertake the project report on “Projected
Financial statement to be submitted to the bank for loan proposal at
Shree ganesh general store,BARAMATI.”
My parents and also friends are guide and spirit without their co-
operation and support. This project report could not have been
completed.
Place- Baramati
Date- Researcher
(makarAmolshahaji)

3. 3
Declaration
I here declare that the project work Entitled
“Projected Financial Statement to be submitted to the Bank for loan
proposalwith reference to SHREE GANESH GENERAL STORE
BARAMATI.” For the period of 2013-2014 is written by me &submitted
to the University of Pune for the degree of B.B.A.
This requirement as a part of University curriculum of
B.B.A. Of university of Pune .
Place: - Baramati
Date: - Researcher.
(makarAmolshahaji)

4. 4
Index
Sr. No. Particulars Page No.
1 Introduction 8
2 Business Profile 10
3 Research Methodology 12
4 Objectives of study 15
5 Purpose of Loan 17
6 Details of Proprietor 19
7 Cost of project 21
8 Ratio 54
9 Graphical Representation 58
10 Assumptions 62
11 Conclusions 65
12 Bibliography 67
13 Document required for loan 68

5. 5
Schedule index
Sr. No. Particulars Page No.
1. Cost of project 21
2. Working capital 23
3. Loan Repayment & Interest statement 25
4. Revenue statement 31
5. Total salary & Wages 33
6. Other expenses 35
7. Fixed Asset schedule 37
8. Depreciation of statement 39
9. Income Statement 42
10. Sales schedule 44
11. Projected profitability statement 46
12. Projected financial sheet 48
13. Projected fund flow statement 50
14. D.S.C.R 52
15. Ratio 54

6. 6
Graph index
Sr. No Graph Title Page No.
1. Gross profit 58
2. Net profit 59
3. Increase in D.S.C.R 60

7. 7
Introduction

8. 8
Introduction
Now a day’s demand for the fast moving consuming good
(FMCG) is increased day by day . The owner of shop want to fulfill
Most need of customer so he wants to stablish general store in
Such a loction from where maximum customer can approach.
Fast moving & consuming goods having a large variety
Production in market as population increasing the demand of FMCG
Goods also increased , by taking advantages of these the proprietor
Of “ shree ganesh general store ” started the business

9. 9
Business profile

10. 10
Business profile
Name :- Shree ganesh general store
Proprietor :- Madandas R. shah.
Address :- Ashok nagar,bhigwan road Baramati, dist-pun
state :- Maharastra
pin code :- 413102.
Activity :- purchasing & selling of fast moving consuming
goods

11. 11
Research methodology

12. 12
Research Methodology
To carry every research program, data is an important
factor without data no program can success. So collection of appropriate
data is the first role of researcher.
Following are the types of data collection-
Types of Data
Primary Data
1. Guidance of teachers 1.Annual reports
2. Interview 2. Journals
3. Observation 3. Newspaper
Secondarydata

13. 13
A] Primary data collectionmethods:-
Primary data means first hand information or original source at
the hands of researcher. This data is collected from him / she for the first
time & it is in original nature. It is the starting
point of data collection & also a powerful source.
Primary data collectionfrom-
1. Guidance of teacher
2. Interview
3. Observation
B] Secondarydata collectionmethods;-
This data is used for second time, Secondary data
collected, processed & published by someone else for their purpose. This
data is readily available in Various Books, Journals, Report, magazines,
newspapers etc.
Following are the main sources of
Secondarydata collection-
1. Annual reports
2. Journals
3.Newspaper
Thus above method are used for data collections to
study & achieve the objectives of project.

14. 14
Objectives of Study

15. 15
Objectives of Study
1. To Submit Projected Financial Statements to the banks for loan
proposalfor 5 years.
2. To ProjectLong Term Finance.
3. To decide projecting Return on Investment. (ROI)
4. To makeanalysis of Inflow & Outflow of funds.
5. To projectFuturePolicy Plan.
6. To provideinformation to bank for Repayment of loan.
7. To ensureproper utilization of available sources & application
of fund, assets debt services, working capitaletc.
8. To optimum utilization of Loan amount in proper manner.
9. To forecast& to plan of overall transactions of business with the help
of all necessary Information required for Bank

16. 16
Purpose of Loan

17. 17
Purposeof loan
“SHREE GANESH GENERAL STORE”requires a
loan for the purposeof purchasing large variety of fast moving
consuming goods .Loan will provide the required finance to the
proprietor for purchasing of various assets which are required for
the business .Loan will provide Mr.shah to take a rental shop.

18. 18
Details of proprietor

19. 19
Details of Proprietor
Name of the :- Mr. M.R.Shah
Proprietor
Educational :- B.com
Qualification
Date of Birth :- 25th July, 1963
Permanent a/c no :- ALVPB5518A
Status :- Married
Address :- 121/p ganesh market gunawadi chowk ,
Tal-Baramati,Dist-Pune Pin-413102

20. 20
cost of project

21. 21
Schedule No-1
Cost of project
Means of Finance
Cost of project 3,80,000 Rs
Sr. No. Particulars Amount
(Rs)
1 Term loan 2,40,000
2 Own Contribution 1,40,000
3 Total 3,80,000
4 Repayment of Term Loan 5 years
5 Interest Rate 14%
Total cost of project
Sr. No. Particulars Amount
(Rs)
1 Shop deposit 30,000
2 Assets 90,000
3 Working capital 2,60,000
4 Total 3,80,000

22. 22
Working capital

23. 23
Schedule No-2
Schedule of working capital
Sr. No. Particulars
year
1st
1 Purchases 2,00,000
2 To Miscellaneous expenses 1,000
3 To Telephone expenses 3,000
4 To shop rent expenses 48,000
5 To postage 100
6
To Travelling expenses 3,000
7
To other expenses 2,000
8
To printing & stationary 1,200
9 Total 2,60,000

24. 24
Loan repayment & Interest

25. 25
Shedule No-3
Statement Showing Loan Repayment
1st
year
Particular Year Mont
h
Opening
Balance
Repayment
Principle
Closing
Balance
Interest
14%
Fixed Capital
Loan 1st 1
2,40,000 4,000 2,36,000 2,800
2
2,36,000 4,000 2,32,000 2,753
3
2,32,000 4,000 2,28,000 2,707
4
2,28,000 4,000 2,24,000 2,660
5
2,24,000 4,000 2,20,000 2,613
6
2,20,000 4,000 2,16,000 2,567
7
2,16,000 4,000 2,12,000 2,520
8
2,12,000 4,000 2,08,000 2,473
9
2,08,000 4,000 2,04,000 2,427
10
2,04,000 4,000 2,00,000 2,380
11
2,00,000 4,000 1,96,000 2,333
12
1,96,000 4,000 1,92,000 2,287
Total
48,000 30,520

26. 26
Particular Year Mont
h
Opening
Balance
Repayment
Principle
Closing
Balance
Interest
14%
Fixed Capital
Loan
2nd
1
1,92,000 4,000 1,88,000 2,240
2
1,88,000 4,000 1,84,000 2,193
3
1,84,000 4,000 1,80,000 2,147
4
1,80,000 4,000 1,76,000 2,100
5
1,76,000 4,000 1,72,000 2,053
6
1,72,000 4,000 1,68,000 2,007
7
1,68,000 4,000 1,64,000 1,960
8
1,64,000 4,000 1,60,000 1,913
9
1,60,000 4,000 1,56,000 1,867
10
1,56,000 4,000 1,52,000 1,820
11
1,52,000 4,000 1,48,000 1,773
12
1,48,000 4,000 1,44,000 1,727
Total
48,000 23,800

27. 27
Particular Year Month Opening
Balance
Repayment
Principle
Closing
Balance
Interest
14%
Fixed Capital
Loan 3rd 1
1,44,000 4,000 1,40,000 1,680
2
1,40,000 4,000 1,36,000 1,633
3
1,36,000 4,000 1,32,000 1,587
4
1,32,000 4,000 1,28,000 1,540
5
1,28,000 4,000 1,24,000 1,493
6
1,24,000 4,000 1,20,000 1,447
7
1,20,000 4,000 1,16,000 1,400
8
1,16,000 4,000 1,12,000 1,353
9
1,12,000 4,000 1,08,000 1,307
10
1,08,000 4,000 1,04,000 1,260
11
1,04,000 4,000 1,00,000 1,213
12
1,00,000 4,000 96,000 1,167
Total
48,000 17,080

28. 28
Particular Year Month Opening
Balance
Repayment
Principle
Closing
Balance
Interest
14%
Fixed Capital
Loan
4th 1 96,000 4,000 92,000 1,120
2
92,000
4,000
88,000 1,073
3
88,000
4,000
84,000 1,027
4
84,000
4,000
80,000 980
5
80,000
4,000
76,000 933
6
76,000
4,000
72,000 887
7
72,000
4,000
68,000 840
8
68,000
4,000
64,000 793
9
64,000
4,000
60,000 747
10
60,000
4,000
56,000 700
11
56,000
4,000
52,000 653
12
52,000
4,000
48,000 607
Total
48,000 10,360

29. 29
Particular Year Month Opening
Balance
Repayment
Principle
Closing
Balance
Interest
14%
Fixed Capital
Loan 5th 1 48,000 4,000 44,000 560
2 44,000 4,000 40,000 513
3 40,000 4,000 36,000 467
4 36,000 4,000 32,000 420
5 32,000 4,000 28,000 373
6 28,000 4,000 24,000 327
7 24,000 4,000 20,000 280
8 20,000 4,000 16,000 233
9 16,000 4,000 12,000 187
10 12,000 4,000 8,000 140
11 8,000 4,000 4,000 93
12 4,000 4,000 0 47
Total 48,000 3,640

30. 30
Revenue statement

31. 31
Schedule No- 4
Revenue statement
Particular Year
1st 2nd 3rd 4th 5th
Gross
profit 2,01,000 2,21,100 2,43,210 2,67,531 2,94,284
Add 10%
increase
20,100 22,110 24,321 26,753 29,428
Total 2,21,100 2,43,210 2,67,531 2,94,284 3,23,712

32. 32
Total salary & wages

33. 33
Schedule No- 5
salary & wages
Particular No.ofworkers Wages/month Annual amount
workers 2 7,500 90,000
Total 2 7,500 90,000
Increase in wages
Particular Year
1st 2nd 3rd 4th 5th
Wages 90,000 99,000 1,08,900 1,19,790 1,31,769
Add 10%
increase 9,000 9,900 10,890 11,979 13,177
Total 99,000 1,08,900 1,19,790 1,31,769 1,44,946

34. 34
Other expenses

35. 35
Schedule No-6
Other expenses
Particular Year
1st 2nd 3rd 4th 5th
To
miscellaneous
expenses
1,000 1,100 1,210 1,331 1,464
To telephone
expenses 3,000 3,300 3,630 3,993 4,392
To shop rent
expenses 48,000 52,800 58,080 63,888 70,277
To postage
expenses 100 110 121 133 146
To travelling
expenses 3,000 3,300 3,630 3,993 4,392
To
other expenses 2,000 2,200 2,420 2,662 2,928
To printing &
stationary 1,200 1,320 1,452 1,597 1,757
Total 58,300 64,130 70,543 77,597 85,357

36. 36
Fixed asset schedule

37. 37
Schedule No-7
Fixed asset schedule
Sr.no particular Rate of depreciation Amount Rs.
1 Computer 60% 20,000
2 furniture 10% 50,000
3 Bicycle 15% 2,500
4 Refrigerator 15% 12,000
5 Electronic scale 15% 2,500
6 Air cooler 10% 3,000
total 90,000

38. 38
Depreciation statement

39. 39
Schedule No – 8
Depreciation schedule
Sr.
NO
Particulars Y
1st
E
2nd
A
3rd
R
4th
S
5th
1 Computer 20,000 8,000 3,200 1,280 512
Rate of
Depreciation
60% 60% 60% 60% 60%
Dep. amount 12,000 4,800 1,920 768 307
W.D.V 8,000 3,200 1,280 512 205
2 Furniture 50,000 45,000 40,500 36,450 32,805
Rate of
Depreciation
10% 10% 10% 10% 10%
Dep. amount 5,000 4,500 4,050 3,645 3,281
W.D.V 45,000 40,500 36,450 32,805 29,525
3 Cycle 2,500 2,125 1,806 1,535 1,305
Rate of
Depreciation
15% 15% 15% 15% 15%
Dep. amount 375 319 271 230 196
W.D.V 2,125 1,806 1,535 1,305 1,109
4 Electronic
scale
2,500 2,125 1,806 1,535 1,305
Rate of
Depreciation
15% 15% 15% 15% 15%
Dep. amount 375 319 271 230 196
W.D.V 2,125 1,806 1,535 1,305 1,109

40. 40
5 Fridge 12,000 9,600 7,680 6,144 4,915
Rate of
Depreciation
20% 20% 20% 20% 20%
Dep. amount 2,400 1,920 1,536 1,229 983
W.D.V 9,600 7,680 6,144 4,915 3,932
6 Air cooler 3,000 2,400 1,920 1,536 1,229
Rate of
Depreciation
20% 15% 15% 15% 15%
Dep. amount 600 480 384 307 246
W.D.V 2,400 1,920 1,536 1,229 983
Total of fixed
Assets
90,000 69,250 56,912 48,480 42,071
Total
Depreciation
20,750 12,328 8,432 6,410 5,208
Closing WDV 69,250 56,913 48,480 42,071 36,863

41. 41
Income statement

42. 42
Schedule No - 9
Income statement
Particulars No.of workers
Total days in year 365days
Working days in year 365days
Daily sales 1,370rs/day
Total sales in year 365*1370
Total sales in year 5,00,000

43. 43
Sales schedule

44. 44
Schedule No 10
Sales schedule
Particular Sales Price Total
Milk
Gokul 3litre 37 111
Govind 2 litre 24 48
Curd 1kg 40 40
Sugar 4kg 30 120
Rice 6kg 22 132
Gemini oil 3kg 75 225
Tur dal 2kg 80 160
Moong dal 2kg 72 144
Pickeles 2units 15 30
Tea powder 4units 5 10
Hair oil 2 no. 10 20
soap
Lux 2units 18 36
Dettol 1units 19 19
Santoor 3units 10 30
Wheel 2units 5 10
Tide 1units 5 5
Nirma 4units 5 20
Snacks
Toast 4units 10 40
Kurkure 3units 5 15
Lays 1units 5 5
Pens
Lexi 2units 5 10
Reynolds 2units 7 14
Biscuits
Parle 4units 4 16
Good day 1units 10 10
marie 2units 10 20
Chocolates & toffees 80units 1 80
Total 1,370

45. 45
Projected profitability
statement

46. 46
Schedule no. 11
Projected profitability statement
Particulars YEARS
1st
2nd
3rd
4th
5th
A ) Sales 5,00,000 5,50,000 6,05,000 6,65,500 7,32,050
B )Costof sale
Purchases 2,00,000 2,20,000 2,42,000 2,66,200 2,92,820
Wages 90,000 99,000 108,900 1,19,790 1,31,769
Power &Electricity 6,000 6,600 7,260 7,986 8,785
Repair&
maintenance
3,000 3,300 3,630 3,993 4,392
Total 2,99,000 3,28,900 3,61,790 3,97,969 4,37,766
C) income
Gross profit
2,01,000 2,21,100 2,43,210 2,67,531 2,94,284
D ) Expenses
Othere expenses(as
per schedule)
58,300 64,130 70,543 77,597 85,357
Interest on loan (as
per schedule)
30,520 23,800 17,080 10,360 3,640
Depreciation (as per
schedule )
20,750 12,338 8,432 6,409 5,206
Total-D 1,09,570 1,00,268 96,055 94,366 94,203
Net profit before tax
( C-D)
91,430 1,20,832 1,47,155 1,73,165 2,00,081
Less 25% tax 22,858 30,208 36,789 43,291 50,020
Net profit after tax 68,573 90,624 1,10,366 1,29,874 1,50,061

47. 47
Project financial statement

48. 48
Schedule No.12
Project financial statement
particular 1st y 2nd e 3rda 4thr 5ths
Capital 1,40,000 2,08,573 2,99,197 4,09,563 5,39,436
Net profit 68,573 90,624 110,366 129,874 150,061
Total 2,08,573 2,99,197 4,09,563 5,39,436 6,89,497
Term loan 1,96,000 1,48,000 96,000 48,000 -
Total 4,04,573 4,47,197 5,05,563 5,87,436 6,89,497
Fixed asset 69,250 56,913 48,480 42,071 36,904
Investment 1,00,000 1,25,000 1,50,000 1,75,000 2,00,000
Deposit 30,000 30,000 30,000 30,000 30,000
Current asset
Stock 30,000 40,000 60,000 1,00,000 1,50,000
Sundry debtors 1,00,000 1,10,000 1,21,000 1,33,100 1,46,410
Prelim expenses 10,000 10,000 10,000 10,000 10,000
Cash in hand 20,323 20,284 26,083 32,265 36,183
Cash in bank 45,000 55,000 60,000 65,000 80,000
Total
4,04,573 4,47,197 5,05,563 5,87,436 6,89,497

49. 49
Project Fund Flow Statement

50. 50
Schedule No.13
Projected fund flow statement
Particulars
YEARS
1st
2nd
3rd
4th
5th
Sources
Net profit
91,430 1,20,832 1,47,155 1,73,165 2,00,081
Depreciation
20,750 12,338 8,432 6,409 5,206
Own contribution
1,40,000
Term loan
2,40,000
Tatal
3,80,000 1,33,170 1,55,587 1,79,574 2,05,287
Application
Fixed asset
90,000
Deposite
30,000
Loan repayment
48,000 48,000 48,000 48,000 48,000
Interest on loan
30,560 23,800 17,080 10,360 3,640
Taxation
22,858 30,208 36,789 43,291 50,020
Investment
100,000 25,000 25,000 25,000 25,000
Increase in working
capital
58,582 6,162 28,718 52,923 78,627
Total
3,80,000 1,33,170 1,55,587 1,79,574 2,05,287

51. 51
D.S.C.R

52. 52
Schedule No.14
Debt service coverage ratio
Formula =
D.S.C.R= cash generation
Term loan obligation
Average D.S.C.R=1.53+1.77+2.09+2.51+3.08
5
Average D.S.C.R=2.2
Particulars
YEARS
1st
2nd
3rd
4th
5th
Net profit 68,573 90,624 1,10,366 1,29,874 1,50,061
Depreciaton 20,750 12,338 8,432 6,409 5,206
Intrest on loan 30,520 23,800 17,080 10,360 3,640
Total(A) 1,19,843 1,26,762 1,35,878 1,46,643 1,58,907
Repayment of loan 48,000 48,000 48,000 48,000 48,000
Interest 30,520 23,800 17,080 10,360 3,640
Total(B) 78,520 71,800 65,080 58,360 51,640
D.S.C.R (A/B) 1.53 1.77 2.09 2.51 3.08

53. 53
Ratio

54. 54
RATIO
The Comparative study of relationship between, Various
items of a financial statement, expressed as a ratio Revels the profitability
liquidity solvency as well as overall financial position of the enterprise.
Ratio can be workout by dividing one of the variable
of relationship with other variables & such ratio values is
compared with the standard in order to highlight deviation made
from those standards, In other words Ratios are relative figures
reflecting the relationship between variables & enables to draw
the conclusions regarding financial operations. Sometime there are
variations due to unreality of financial data or inaccuracy content
there in, Therefore before taking any decision on the basis of
ratio analysis, their reliability must be insured.
Ratio
Traditional Ratio Functionalratio
1. Profit &loss ratio 1.Liquidity ratio
2. Balance ratio 2. Solvency ratio
3. Inter statement ratio 3.Activity ratio
4.Profitability ratio

55. 55
Profitability ratio
Gross profit ratio =Gross profit X 100
Sales
Interpretation
Above calculated ratio shows the gross profit in the project period ,gross
profit remain consistent during project period ,which gives desired value
Particulars
YEARS
1st
2nd
3rd
4th
5th
G/P 2,01,000 2,21,100 2,43,210 2,67,531 2,94,284
Sales 5,00,000 5,50,000 6,05,000 6,65,500 7,32,050
GP ratio 40 40 40 40 40

56. 56
Profitability ratio
Net profit ratio =Net profit X 100
Sales
Interpretation
Net profit ratio shows the consistent increase during project period
,which showd loan repayment capacity of the business
Particulars
YEARS
1st
2nd
3rd
4th
5th
N /P 2,21,100 2,43,210 2,67,531 2,94,284 3,23,712
Sales 5,00,000 5,55,000 6,65,000 6,65,500 7,32,050
NP ratio 14 16 18 19.5 20.5

57. 57
Graphical representation

58. 58
1.Gross profit
Year 1st 2nd 3rd 4th 5th
gross
profit
2,21,100 2,43,210 2,67,531 2,94,284 3,23,712
Interpretation-
Sale will be increased by 10%p.a of every year.
0
500000
1000000
1500000
2000000
2500000
3000000
3500000
1 2 3 4 5
Sales
year
sales

59. 59
2.Net profit
Year 1st 2nd 3rd 4th 5th
Net
Profit
68,573 90,624 1,10,366 1,29,874 1,50,061
INTERPRETATION- From the above ratio & graph it is Clear that
the Gross Profit is increasing by 10% p.a. of every year.
0
200000
400000
600000
800000
1000000
1200000
1400000
1 2 3 4 5
net
profit
gross profit

60. 60
3.increase in
DEBT SERVICE COVERAGE RATIO
Year 1st 2nd 3rd 4th 5th
D.S.C.R.
(A/B)
1.53 1.77 2.09 2.51 3.07
INERPRETATION-
D.S.C.R is important for any bank to see the loan
repayment capacity of business. If it is more than 1.5 then the business
loan capacity is good and any one can provide the loan to this business.
From the above graph it is clear that the D.S.C.R is
above 1.5 then bank must provide loan to this business.
0
0.5
1
1.5
2
2.5
3
3.5
4
1 2 3 4 5
D.S.C.R
D.S.C.R

61. 61
Assumption

62. 62
Assumptions
1.Cost of project
 Term loan assumed rs .2,40,000
 Own contribution assumed rs. 1,40,000
2.Term loan repayment
 Repayment of loan is within five years.
 Interest on loan is assumed 14%
3.revenune
 Gross profit increased by 10%p.a every year
 Sales & purchases increased by 10%p.a every year
 Debtors increased by 20%p.a every year on sales.
4.depreciation
 Rate of depreciation is assumed on the fixed asset as per base year
balance sheet
Particulars rate of depreciation
1.computer 60%
2.Furniture 10%
3.Refrigerator 15%
4.Cycle 15%
5.Electronic scale 15%
6.Air cooler 20%
5.other expenses
 All other expenses incurred are increased by 10% p.a every year

63. 63
6.salary
 Two workers assumed with rs.3750 salary per month & increased
by 10% p.a every year
7. Taxation
 Tax rate 25% p.a every year
8.Balance sheet
 Investment on 1st year assumed rs.1,00,000 & increased by Rs
25,000 every year
 Preliminary expenses are assumed Rs.10,000p.a & it is written off
Rs 10,000 p.a every year during project period

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Conclusion

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CONCLUSION
 The above detail information which is provide in this project is
showing the financial position of business, It helps to financial
institution to understand how much fund required & it’s various
application of that fund.
 With the help of this statement it is clear that there is growth in
business, increase in profit year by year and so smooth repayment
of loan is possible.
 Implementation of this project provides employment and also
provides better services, facilities to society.
 By analyzing and observing all the information, which is taken in
to consideration bank must accept and sanction loan proposal of
company.
 Profitability of business is increasing every year so this project is
beneficial to society ,us and financial institution.

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Bibliography

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Bibliography
1. Base year annual report of “shah general store”
2. Reference books
 Research methodology & project work management
by kulkarni .M.A
 Financial management –Himalaya publication by kulkarni P.V
 Financial Accounting –prof.sureshdhirud
 Managing Accounting- prof.bhaskar naphade

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Annexure

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Document required for the loan
1) Project Report.
2) Entertainment Licenses
3) Lease Agreement of the shop of minimum five years.
4) Police Department Authorization Letter
5) Identity Prof of the owner
6) Residence Prof of the owner
7) Details of the account held in the band approached.

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