Area Office Branch Name Apr-20 May-20 Jun-20 Jul-20 Aug-20

UDAIPUR BANSWARA 50 52 54 56 58
Monthly Disbursement 50 52 54 56 58

Av.Rent 10000 Total Rent 120000

No. of Branch 1

Month Apr-20 May-20 Jun-20 Jul-20 Aug-20

BM 1 1 1 1 1
DO/ABM 0 0 0 0 0
FCO 4 4 4 4 4
AO 1 1 1 1 1
AUDIT 0 0 1 0 0
TOTAL 6 6 7 6 6
STAFF 5 5 6 5 5
 Annual
Sep-20 Oct-20 Nov-20 Dec-20 Jan-21 Feb-21 Mar-21 Disbursement

60 65 70 75 80 85 90 795 9540
60 65 70 75 80 85 90 795

Sep-20 Oct-20 Nov-20 Dec-20 Jan-21 Feb-21 Mar-21

1 1 1 1 1 1 1
1 1 1 1 1 1 1
4 4 4 4 4 4 4
1 1 1 1 1 1 1
1 0 0 1 0 0 1
8 7 7 8 7 7 8
7 6 6 7 6 6 7
 Month 2014- Monthly
15(Dhanbad) disbursement
Amount (INR) Avg Repayment Apr-18 May-18

APRIL ₹ 5,000,000.00 208333.33 ₹ 5,000,000.00 ₹ 4,791,666.67

MAY ₹ 5,200,000.00 216666.67 ₹ 5,200,000.00
JUNE ₹ 5,400,000.00 225000.00
JULY ₹ 5,600,000.00 233333.33
AUGUST ₹ 5,800,000.00 241666.67
SEPTEMBER ₹ 6,000,000.00 250000.00
OCTOBER ₹ 6,500,000.00 270833.33
NOVEMBER ₹ 7,000,000.00 291666.67
DECEMBER ₹ 7,500,000.00 312500.00
JANUARY ₹ 8,000,000.00 333333.33
FEBRUARY ₹ 8,500,000.00 354166.67
MARCH ₹ 9,000,000.00 375000.00
₹ 79,500,000.00 ₹ 5,000,000.00 ₹ 9,991,666.67
Jun-18 Jul-18 Aug-18 Sep-18 Oct-18 Nov-18

₹ 4,583,333.33 ₹ 4,375,000.00 ₹ 4,166,666.67 ₹ 3,958,333.33 ₹ 3,750,000.00 ₹ 3,541,666.67

₹ 4,983,333.33 ₹ 4,766,666.67 ₹ 4,550,000.00 ₹ 4,333,333.33 ₹ 4,116,666.67 ₹ 3,900,000.00
₹ 5,400,000.00 ₹ 5,175,000.00 ₹ 4,950,000.00 ₹ 4,725,000.00 ₹ 4,500,000.00 ₹ 4,275,000.00
₹ 5,600,000.00 ₹ 5,366,666.67 ₹ 5,133,333.33 ₹ 4,900,000.00 ₹ 4,666,666.67
₹ 5,800,000.00 ₹ 5,558,333.33 ₹ 5,316,666.67 ₹ 5,075,000.00
₹ 6,000,000.00 ₹ 5,750,000.00 ₹ 5,500,000.00
₹ 6,500,000.00 ₹ 6,229,166.67
₹ 7,000,000.00

₹ 14,966,666.67 ₹ 19,916,666.67 ₹ 24,833,333.33 ₹ 29,708,333.33 ₹ 34,833,333.33 ₹ 40,187,500.00

Dec-18 Jan-19 Feb-19 Mar-19

₹ 3,333,333.33 ₹ 3,125,000.00 ₹ 2,916,666.67

₹ 2,708,333.33
₹ 3,683,333.33 ₹ 3,466,666.67 ₹ 3,250,000.00
₹ 3,033,333.33
₹ 4,050,000.00 ₹ 3,825,000.00 ₹ 3,600,000.00
₹ 3,375,000.00
₹ 4,433,333.33 ₹ 4,200,000.00 ₹ 3,966,666.67
₹ 3,733,333.33
₹ 4,833,333.33 ₹ 4,591,666.67 ₹ 4,350,000.00
₹ 4,108,333.33
₹ 5,250,000.00 ₹ 5,000,000.00 ₹ 4,750,000.00
₹ 4,500,000.00
₹ 5,958,333.33 ₹ 5,687,500.00 ₹ 5,416,666.67
₹ 5,145,833.33
₹ 6,708,333.33 ₹ 6,416,666.67 ₹ 6,125,000.00
₹ 5,833,333.33
₹ 7,500,000.00 ₹ 7,187,500.00 ₹ 6,875,000.00
₹ 6,562,500.00
₹ 8,000,000.00 ₹ 7,666,666.67
₹ 7,333,333.33
₹ 8,500,000.00
₹ 8,145,833.33
₹ 9,000,000.00
₹ 45,750,000.00 ₹ 51,500,000.00 ₹ 57,416,666.67 ₹ 63,479,166.67
 DISBURSEMENT MONTHLY O/S INTEREST PF
Apr-20 ₹ 5,000,000.00 ₹ 5,000,000.00 ₹ 95,833.33 ₹ 50,000.00
May-20 ₹ 5,200,000.00 ₹ 9,991,666.67 ₹ 191,506.94 ₹ 52,000.00
Jun-20 ₹ 5,400,000.00 ₹ 14,966,666.67 ₹ 286,861.11 ₹ 54,000.00
Jul-20 ₹ 5,600,000.00 ₹ 19,916,666.67 ₹ 381,736.11 ₹ 56,000.00
Aug-20 ₹ 5,800,000.00 ₹ 24,833,333.33 ₹ 475,972.22 ₹ 58,000.00
Sep-20 ₹ 6,000,000.00 ₹ 29,708,333.33 ₹ 569,409.72 ₹ 60,000.00
Oct-20 ₹ 6,500,000.00 ₹ 34,833,333.33 ₹ 667,638.89 ₹ 65,000.00
Nov-20 ₹ 7,000,000.00 ₹ 40,187,500.00 ₹ 770,260.42 ₹ 70,000.00
Dec-20 ₹ 7,500,000.00 ₹ 45,750,000.00 ₹ 876,875.00 ₹ 75,000.00
Jan-21 ₹ 8,000,000.00 ₹ 51,500,000.00 ₹ 987,083.33 ₹ 80,000.00
Feb-21 ₹ 8,500,000.00 ₹ 57,416,666.67 ₹ 1,100,486.11 ₹ 85,000.00
Mar-21 ₹ 9,000,000.00 ₹ 63,479,166.67 ₹ 1,216,684.03 ₹ 90,000.00
TOTAL ₹ 79,500,000.00 ₹ 397,583,333.33 ₹ 7,620,347.22 ₹ 795,000.00 3975
47700
Monthly
disbursement
Amount (INR)- Avg Repayment Apr-20 May-20 Jun-20
₹ 5,000,000.00 ₹ 138,888.89 ₹ 5,000,000.00 ₹ 5,000,000.00 ₹ 4,861,111.11
₹ 5,200,000.00 ₹ 144,444.44 ₹ 5,200,000.00 ₹ 5,200,000.00
₹ 5,400,000.00 ₹ 150,000.00 ₹ 5,400,000.00
₹ 5,600,000.00 ₹ 155,555.56
₹ 5,800,000.00 ₹ 161,111.11
₹ 6,000,000.00 ₹ 166,666.67
₹ 6,500,000.00 ₹ 180,555.56
₹ 7,000,000.00 ₹ 194,444.44
₹ 7,500,000.00 ₹ 208,333.33
₹ 8,000,000.00 ₹ 222,222.22
₹ 8,500,000.00 ₹ 236,111.11
₹ 9,000,000.00 ₹ 250,000.00
₹ 79,500,000.00 ₹ 5,000,000.00 ₹ 10,200,000.00 ₹ 15,461,111.11
Jul-20 Aug-20 Sep-20 Oct-20 Nov-20
₹ 4,722,222.22 ₹ 4,583,333.33 ₹ 4,444,444.44 ₹ 4,305,555.56 ₹ 4,166,666.67
₹ 5,055,555.56 ₹ 4,911,111.11 ₹ 4,766,666.67 ₹ 4,622,222.22 ₹ 4,477,777.78
₹ 5,400,000.00 ₹ 5,250,000.00 ₹ 5,100,000.00 ₹ 4,950,000.00 ₹ 4,800,000.00
₹ 5,600,000.00 ₹ 5,600,000.00 ₹ 5,444,444.44 ₹ 5,288,888.89 ₹ 5,133,333.33
₹ 5,800,000.00 ₹ 5,800,000.00 ₹ 5,638,888.89 ₹ 5,477,777.78
₹ 6,000,000.00 ₹ 6,000,000.00 ₹ 5,833,333.33
₹ 6,500,000.00 ₹ 6,500,000.00
₹ 7,000,000.00

₹ 20,777,777.78 ₹ 26,144,444.44 ₹ 31,555,555.56 ₹ 37,305,555.56 ₹ 43,388,888.89

Dec-20 Jan-21 Feb-21 Mar-21
₹ 4,027,777.78 ₹ 3,888,888.89 ₹ 3,750,000.00 ₹ 3,611,111.11
₹ 4,333,333.33 ₹ 4,188,888.89 ₹ 4,044,444.44 ₹ 3,900,000.00
₹ 4,650,000.00 ₹ 4,500,000.00 ₹ 4,350,000.00 ₹ 4,200,000.00
₹ 4,977,777.78 ₹ 4,822,222.22 ₹ 4,666,666.67 ₹ 4,511,111.11
₹ 5,316,666.67 ₹ 5,155,555.56 ₹ 4,994,444.44 ₹ 4,833,333.33
₹ 5,666,666.67 ₹ 5,500,000.00 ₹ 5,333,333.33 ₹ 5,166,666.67
₹ 6,319,444.44 ₹ 6,138,888.89 ₹ 5,958,333.33 ₹ 5,777,777.78
₹ 7,000,000.00 ₹ 6,805,555.56 ₹ 6,611,111.11 ₹ 6,416,666.67
₹ 7,500,000.00 ₹ 7,500,000.00 ₹ 7,291,666.67 ₹ 7,083,333.33
₹ 8,000,000.00 ₹ 8,000,000.00 ₹ 7,777,777.78
₹ 8,500,000.00 ₹ 8,500,000.00
₹ 9,000,000.00
₹ 49,791,666.67 ₹ 56,500,000.00 ₹ 63,500,000.00 ₹ 70,777,777.78
Month Loan O/S Fund raised Int. PF
APRIL 5000000 ₹ 5,000,000.00 54166.67 ₹ 25,000.000
MAY 10200000 ₹ 5,200,000.00 110500.00 ₹ 26,000.000
JUNE 15461111.111 ₹ 5,400,000.00 167495.37 ₹ 27,000.000
JULY 20777777.778 ₹ 5,600,000.00 225092.59 ₹ 28,000.000
AUGUST 26144444.444 ₹ 5,800,000.00 283231.48 ₹ 29,000.000
SEPTEMBER 31555555.556 ₹ 6,000,000.00 341851.85 ₹ 30,000.000
OCTOBER 37305555.556 ₹ 6,500,000.00 404143.52 ₹ 32,500.000
NOVEMBER 43388888.889 ₹ 7,000,000.00 470046.30 ₹ 35,000.000
DECEMBER 49791666.667 ₹ 7,500,000.00 539409.72 ₹ 37,500.000
JANUARY 56500000 ₹ 8,000,000.00 612083.33 ₹ 40,000.000
FEBRUARY 63500000 ₹ 8,500,000.00 687916.67 ₹ 42,500.000
MARCH 70777777.778 ₹ 9,000,000.00 766759.26 ₹ 45,000.000
TOTAL ₹ 79,500,000.00 4662696.76 ₹ 397,500.000
 Apr-18 May-18 Jun-18 Jul-18 Aug-18
Rent 10000 10000 10000 10000 10000
Furniture and Fixture 42000
BRANCH SETUP Depri 0 1093.05 1064.603 1036.897 1009.912
Variable 80000 0 0 0 0
Personnel Exp 78000 78000 90000 78000 78000
Zonal Exp 74000 74000 74000 74000 74000
Other Expense 48000 48000 56000 48000 48000
332000 211093 231064.6 211036.9 211009.9

Rent 480000
Salary
BM 18000
FCO/STAFF 12000
Other Expense 8000
Personnel Exp
BM 18000 18000 18000 18000 18000
FCO 60000 60000 72000 60000 60000
78000 78000 90000 78000 78000
Zonal Office
Rent 30000 360000
HR 15000 180000
MIS 8000 96000
OFC BOY 8000 96000
E. Bill 8000 96000
Other Expense 5000 60000
TOTAL 74000 888000
 Sep-18 Oct-18 Nov-18 Dec-18 Jan-19 Feb-19 Mar-19
10000 10000 10000 10000 10000 10000 10000

983.6289 958.0299 933.0972 908.8133 885.1615 862.1251 839.6883

0 0 0 0 0 0 0
102000 90000 90000 102000 90000 90000 102000
74000 74000 74000 74000 74000 74000 74000
64000 56000 56000 64000 56000 56000 64000
250983.6 230958 230933.1 250908.8 230885.2 230862.1 250839.7

18000 18000 18000 18000 18000 18000 18000

84000 72000 72000 84000 72000 72000 84000
102000 90000 90000 102000 90000 90000 102000
 Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20
INCOME
Interest Income 95833.33 191506.94 286861.11 381736.11 475972.22 569409.72
Processing fee 50000 52000 54000 56000 58000 60000
Gross Income 145833.33 243506.94 340861.11 437736.11 533972.22 629409.72

Finacial cost
Interest Expense 54166.67 110500.00 167495.37 225092.59 283231.48 341851.85
Processing fee 25000 26000 27000 28000 29000 30000
LLP 50000 49916.67 99750.00 99416.67 148916.67 148166.67
Operating Cost 332000 211093.05 231064.60 211036.90 211009.91 250983.63
Total Cost 461166.67 397509.72 525309.97 563546.16 672158.06 771002.15
Net Income -315333.33 -154002.77 -184448.86 -125810.05 -138185.84 -141592.43

Gross Income 145833.33 243506.94 340861.11 437736.11 533972.22 629409.72

Total Cost 461166.67 397509.72 525309.97 563546.16 672158.06 771002.15
Net Income -315333.33 -154002.77 -184448.86 -125810.05 -138185.84 -141592.43

Loan Loss Reserve 50000 99916.67 149666.67 199166.67 248333.33 297083.33

Branch Set up cost 152000

 Oct-20 Nov-20 Dec-20 Jan-21 Feb-21 Mar-21

667638.89 770260.42 876875.00 987083.33 1100486.11 1216684.03

65000 70000 75000 80000 85000 90000
732638.89 840260.42 951875.00 1067083.33 1185486.11 1306684.03

404143.52 470046.30 539409.72 612083.33 687916.67 766759.26

32500 35000 37500 40000 42500 45000
200166.67 201708.33 255791.67 259208.33 314958.33 319833.33
230958.03 230933.10 250908.81 230885.16 230862.13 250839.69
867768.22 937687.73 1083610.20 1142176.83 1276237.13 1382432.28
-135129.33 -97427.31 -131735.20 -75093.49 -90751.01 -75748.25

732638.89 840260.42 951875.00 1067083.33 1185486.11 1306684.03

867768.22 937687.73 1083610.20 1142176.83 1276237.13 1382432.28
-135129.33 -97427.31 -131735.20 -75093.49 -90751.01 -75748.25

348333.33 401875.00 457500.00 515000.00 574166.67 634791.67