ACKNOWLEDGEMENT

OUR BEST THOUGHTS COME FROM OTHERS

The successful completion of any research project requires guidance and help
from a number of people. I was fortunate to have all the support.
I feel greatly honored in availing this opportunity of expressing my deep gratitude
to Dr. E.M KHAN principal of ABEDA INAMDAR SENIOR COLLEGE OF
ARTS SCIENCE AND COMMERCE PUNE for providing me this opportunity
and guiding me with academics and project work.
I feel greatly delighted to express my deepest sense of gratitude to my learned and
esteem teacher Ms. Shakira shaikh for her valuable assistance, keen interest and
constant motivation at each step and for spending her precious time, without her
help, it would have not been possible for me to complete the project
Last but not the least, I express my sincere thanks to all those people, known and
unknown, who have contributed in making this project a success.

DECLARATION

I, the undersigned, hereby declare that the following documented Project

Report titled BUSINESS LOAN ON SUNRISE AUTOMATIC BAKERY is a
bonafide work prepared by me. This is an organized and authentic work carried by
me for the partial fulfillment of the Bachelor of Business Administration. The
findings in this project report are based on the data collected by me from different
sources.
All the deeds put in the fulfillment of the task are genuine and original to best of
my knowledge.

Date:Place :-

WASIM KHAN

PREFACE
Here are discussing about the project .here we will find out sources
and application of funds, calculation of the revenue, calculation of the
expenditure, interest and installment, calculation of depreciation, cash flow
statement, projected profit & loss a/c, balance sheet.

INDEX
Serial no.
1

2
3
4

Particulars
INTRODUCTION
1.1 OBJECTIVES
1.2 SCOPE
1.3 LIMITATIONS
1.4 VISION AND MISSION
ORGANISATION PROFILE
RESEARCH METHODOGY
FINANCIAL ANALYSIS
4.1 FINANCIAL STATEMENT OF PROJECT
4.2 CALCULATION OF THE REVENUE
4.3 CALCULATION OF EXPENDITURE
4.4 EMI CALCULATION
4.5 CALCULATION OF DEPRECIATION
4.6 PROJECTED CASH FLOW STATEMENT
4.7 PROJECTED BALANCE SHEET
4.8 RATIO ANALYSIS
CONCLUSION
5.1 CONCLUSION
5.2 SUGGESTION
5.3 BIBLIOGRAPHY

Page no.

Chapter - 1

INTRODUCTION

Objectives of the Project

To learn preparation of Projected Financial Statements

To learn Deep Analysis of financial Statements

 To get knowledge about Loan Procedure

To get knowledge of prevailing Tax-Rate and Depreciation rates

To get knowledge about the popular SMEs for Self employment

To get knowledge about different Bank Policies for granting Loans.

To get experience of effective and efficient working of an enterprise.

To get practical knowledge about sanctioning loan from bank.

To help the firm by telling its solvency, payment policies etc. with the help

of various different ratios.

SCOPE OF THE PROJECT

The study has a scope to analyze the different loan Schemes of bank and choose
best among them.

The study provides information regarding documentation, paper work and

other important factors involved in getting term loan.

To be competitive and successful in modern corporate world, constant

capital flow is essential. Whether to expand your business or to relocate your
production unit to some other place for cost effectiveness, you require
finance. Its not always possible to fund them through interest sources. A
delay of a few days can cost you in millions.

LIMITATIONS OF THE PROJECT

Due to the strict confidential policy of the bank the accounts department
provided only screened information.
Accuracy of the data cannot be guaranteed.

 Due to the busy schedule of the manager of the bank the information is very
limited.

MISSION AND VISSION

To become the largest chain of fine bakery products provider in the

Ahmednagar and enjoy equity that is enjoyed by no other stand alone private
bakery.

 To constantly provide quality, taste and services at rational price.

To create wonderful experience uniqueness lies in its elegance refining
which is brought alive by caring their customer.
To provide unique service at rational price and to continually improve our
services and by ensuring to continues satisfaction of the clients.
We shall ensure high standards of safety and security while at manufacturing
which doesnt harm the environment in any way.

Chapter -2

Company Profile

SUNRISE AUTOMATIC BAKERS

Sunrise Bakers is a new venture established in 2009 by Abdul Rehman

Chaus.It is a single ownership business setup there is no partner in the business.
The interest of mass in bakery business has been increasing day by day. But,
Sunrise Bakers is successful in attracting more and more customers by its fluent
service and product quality.

It provides quality products with efficient quantity. The behavior with the
customers is specially taken care off.Which attracts more customers to buy the
bakery products.
The bakery focuses mainly on two areas:
Profit maximization
Customer satisfaction

Company Profile

PROFILE OF THE COMPANY

Legal Name

SUNRISE AUTOMATIC BAKERY

Location

PLOT NO. 150 INDL.ESTATE, PUNE

ROAD, AHMEDNAGAR - 414005,
MAHARASHTRA, INDIA

Telephone numbers

+91-241-2343832

E-mail

office@sunrise-bakery.com

Contact person

Mr. Ali Chaus (Manager)

Year of establishment

2008

Proprietor

Mr. Abdul Rehman Chaus

PRODUCTS

Cakes
Doughnut
Puffs
Rusk
Pizza
Buns
Pastries
Brownies
Biscuit
Breads
Swiss roll
Cookies

 Khari
These are the main items produced in bakery.
These items are further produced in different varieties according to their
specialties.
As many different items are prepared in bakery in various manners.
The further classification of the items is done below:

Product ranges

Yeast donut
Cake donut
Egg puff
Milk Rusk
Whole wheat Rusk
Condensed milk Rusk
Sweet buns
Naan
Chocolate biscuit
Coconut biscuit
Coffee biscuit
Dry fruits biscuit

Whole meal bread

Rye bread
Multigrain bread
Sugar free bread
Almond and date cookies
Butter scotch cookies
Cashew cookies
Jeera khari
Masala khari
Maska khari
Methi khari
Swiss roll
cakes

1 year sales value approximately

Sr. no
1
2
3
4
5

Items
Cakes
Doughnut
Puffs
Rusk
Pizza

Quantity
32000
15000
15000
1500kg
3000

Price
750000
250000
250000
270000
260000

6
7
8
9
10
11
12
13

Buns
Pastries
Brownies
Biscuits
Breads
Swiss roll
Cookies
Khari

60000
9000pkt
900kg
3000kg
15000pkt
6000
900kg
1600kg
TOTAL

LAND AND BUILDING

350000
250000
250000
650000
500000
220000
300000
400000
4700000

A built up unit is about 1600 sq.ft. is adequate. The production area should
be about 500 sq.ft. And can be divided into two major sections. One would have
furnaces (bhattis) and the second one would accommodate the bakery, sales portion
is 300 sq.ft. A packing room is about 200 sq.ft. and raw materials storage of 200
sq.ft. is sufficient. Finished goods godown can be accommodated in 200 sq.ft.
Outer portion of 200 sq.ft.

The rent of this kind of unit would vary according to the location but we can
consider the rent to be approximately Rs.20000.

MACHINES REQUIRED
Cost of machines:
Sr.no.
1
2
3
4

Description
Mixers
Ovens
Depositor
Divider
Total

Amount
290000
300000
100000
100000
830000

Other requirements for production and storage purposes are as follows:

Sr.no.
1
2
3
4
5
6
7
8

Description
Proverbs
Egg breakers
Slicers
Moulds
Dough sheeters
Dough moulder
Cookie cutter
Pan and trays
Total

In all the total cost of machines is Rs.930000

Amount
5000
5000
6000
4000
10000
10000
20000
40000
100000

RAW MATERIAL

Dry yeast
wheat flour
pea flour
corn meal
potato flour
rice flour
ghee
baking fruit & nut mix
bread mix
chocolate berry
cookie drop mix
non fat milk
low heat non fat milk
buttermilk powder
malted milk powder
baking powder
baking soda
cream of tartar
cocoa powder
egg powder
vital wheat gluten
whey powder
com starch
potato starch
honey powder
milk sugar
organic sugar
chocolate sprinkle
dark green sprinkle
white sprinkle
rainbow sprinkle

baking chocolate
bowl scrapper
baking drops
chocolate chips
MANPOWER REQUIREMENT

Salary and wages are on monthly basis.

Sr. No.
Designation

No.

Rate

Amount

Salary

10000

30000

Wages

7000

35000

Total

65000

CHAPTER 4

RESEARCH
METHODOLOGY

Research:

Research is a careful of critical inquiry or examination in seeking facts or

principles, diligent investigation in order to ascertaining something
Research is the manipulation of things, concepts or symbols for the process
of generalizing to extend, correct or verify knowledge, whether that
knowledge aids in construction of theory or in the practice of an art
Research is a more systematic activity directed towards discovery and
development of an organized body of knowledge

METHODS OF DATA COLLECTION

1 Primary Data
2 Secondary Data

1 Primary Data:
Primary data are obtained by a study specifically designed
to fulfill the data needs of the problem at hand. Such data are original in
character and are governed in large number of surveys conducted mostly by
government and also by some individuals, institutions and research bodies.

2 Secondary Data:
Data which is not originally collected but rather obtained
from published and unpublished sources are known as secondary data .The
secondary data constitute the chief material on the basis of which statistical
work is carried out in many investigations.

METHODS OF DATA COLLECTION

The methods and the techniques that can be uses to
generate the primary as well as the secondary data are as follows:
1 Visiting Bank.
2 By going through the website on the internet.
3 By communication

4 Information provided by the bank.

DOCUMENTS REQUIRED FOR SANCTION OF LOAN FOR BUSINESS

1. Proof of identity. (Copy of sales tax/ vat/ Service tax/ Excise registration
receipt or registration under shop and establishment act or pan/ It return of
the concern or water/ Electricity municipal tax bill in the name of concern)
2. Proof of individual identity. (Copy of passport/ Voters identity card/ Photo
pan card/ Driving license)
3. Proof of residence address. (Copy of passport/ Voters identity card/ Driving
license/ Ration card/ Life insurance policy/ Electricity bill/ Telephone bill)
4. Pan number / form 60 of the concern.
5. Financial documents. (Copy of P&L a/c and Balance sheet for last two
years, Audited by a C.A and copies of it returns for the last two years)
6. Bank statement for last 6 months.
7. Partnership deed. (Required only in case of partnership firm)
8. Proof of place of business.
9. Two passport size photographs.

PURPOSE OF THE LOAN

The basic idea behind taking the loan from the bank is to start a new Bakery.
The company is supposed to provide services consistently with taking good care
of the users.
The firm requires term loan of Rs.962500.00 to set up a company..
The most essential part of taking loan from the bank is to have working capital
in hand.

CHAPTER - 4

FINACIAL ANALYSIS

Projected cost

FURNITURE

Cabin
Display Shelves
Counter table
Flooring Display
Other Furniture

20000
30000
50000

3 x10000
3 x10000

30000
70000
200000

EQUIPEMENT
2

Mixers
Ovens
Depositor
Divider
Other equipment

REGISTRATION

510000
170000
100000
130000
20000

930000

20000
20000

CURRENT ASSETS

1500
00

4
DEPOSIT
5

150000

20000

FIXTURES

20000

50000

COMPUTERS

50000

WORKING CAPITAL

330000
330000

TOTAL AMOUNT OF THE PROJECT

1700000

Working capital
Sr. no.
1
2
3
4
5
6
7
8
9
10
11

Particulars
Raw material
Labours
Utility
Other expenses
Salary
Advertisement
Transportation
Sundry expenses
telephone bills
electricity bills
Rent
Packaging
Total

Amount
185000
35000
15000
30000
5000
10000
5000
2000
15000
20000
8000
330000

INVESTMENT COST OF THE PROJECT

FINANCIAL DETAILS OF THE PROJECT

SERIAL

PARTICULARS

AMOUNT

BANK FINANCE

(70%)

1190000

OWN FUND

(30%)

510000

TOTAL COST OF THE PROJECT

1700000

Total Project cost

1700000

30%
Own capital

70%
bank loan

Means of Finance
Own Fund

Term Loan

30%

70%

30% own capital =510000

70% bank loan= 1190000

STATEMENT SHOWING REVENUE FOR PROJECTED

PERIOD
Particulars

1 YEAR

2 YEAR

3 YEAR

4 YEAR

5 YEAR

Cakes

750000

870000

890000

910000

920000

Doughnut

250000

270000

280000

290000

300000

Puffs

250000

273000

277000

287000

297000

Rusk

270000

272000

282000

292000

302000

Pizza

260000

271000

291000

301000

311000

Buns

350000

360000

370000

380000

390000

Pastries

250000

310000

320000

330000

340000

Brownies

250000

260000

265000

275000

280000

Biscuits

650000

710000

720000

730000

740000

Breads

500000

560000

565000

580000

585000

Swiss roll

220000

240000

245000

250000

255000

Cookies

300000

320000

330000

350000

360000

Khari

400000

430000

435000

439000

440000

Total

470000 513600 528000 542400 552000

0
0
0
0
0

Sales increase by 9.28% in 2nd year

Sales increase by 12.34% in 3rd year

Sales increase by 15.4% in 4th year
Sales increase by 17.45% in 5th year

TOTAL

5600000
5400000
5200000
5000000
4800000
4600000
4400000
4200000

1 YEAR

2 YEAR

3 YEAR
TOTAL

4 YEAR

5 YEAR

EMI CALCULATION

Loan amount: 1190000

Period: 5 years (60 months)
Rate of interest: 13%

EMI= P x r x (1 + r) ^n / ((1+r) ^n -1)

Here p = principal amount (loan taken)
r = interest rate per month (ex: if interest rate per annum is 13%
then 13/ (12*100))
n= tenure in months

EMI= 1190000 x 0.01083 x (1 + r) ^n / ((1+r) ^n -1)

EMI= 12887.7 x (1 + 0.01083)^60 / ((1+0.01083)^60 -1)

EMI=27076.16

CALCULATION OF INTEREST AND INSTALLMENT OF BANK LOAN FOR

1st YEAR
YEAR

TOTAL

MONTH

EMI

PRINCIPAL

INTREST

CLOSING
BALANCE

27076

14184

12892

1175816

27076

14338

12783

1161477

27076

14493

12583

1146984

27076

14650

12426

1132333

27076

14809

12267

1117524

27076

14970

12107

1102555

27076

15132

11944

1087423

27076

15296

11780

1072127

27076

15461

11615

1056666

10

27076

15629

11447

1041037

11

27076

15798

11278

1025238

12

27076

15969

11107

1009269

324912

180728

144184

CALCULATION OF INTEREST AND INSTALLMENT OF BANK LOAN FOR

2nd YEAR
YEAR

TOTAL

MONTH

EMI

PRINCIPAL

INTREST

CLOSING
BALANCE

27076

16142

10934

993126

27076

16317

10759

976809

27076

16494

10582

960315

27076

16673

10403

943642

27076

16853

10223

926789

27076

17036

10040

909753

27076

17220

9856

892533

27076

17407

9669

875126

27076

17596

9481

857530

10

27076

17786

9280

839744

11

27076

17979

9097

821765

12

27076

18174

8902

803591

324912

205676

119236

CALCULATION OF INTEREST AND INSTALLMENT OF BANK LOAN FOR

YEAR

TOTAL

MONTH

EMI

PRINCIPAL

INTREST

CLOSING
BALANCE

27076

18371

8706

785220

27076

18570

8507

766651

27076

18771

8305

747880

27076

18974

8102

728906

27076

19180

8102

709726

27076

19387

7689

690339

27076

19597

7479

670741

27076

19810

7266

650932

27076

20024

7052

630907

10

27076

20241

6835

610666

11

27076

20461

6616

590205

12

27076

20682

6394

569523

324912

234065

90847

3rd YEAR
CALCULATION OF INTEREST AND INSTALLMENT OF BANK LOAN FOR

4th YEAR

YEAR

TOTAL

MONTH

EMI

PRINCIPAL

INTREST

CLOSING
BALANCE

27076

20906

6170

548617

27076

21133

5943

527484

27076

21362

5714

506122

27076

21593

5483

484529

27076

21827

5249

462702

27076

22064

5013

440638

27076

22303

4774

418336

27076

22544

4532

395791

27076

22788

4288

373003

10

27076

23035

4040

349968

11

27076

23285

3791

326683

12

27076

23537

3539

303146

324912

266375

58537

CALCULATION OF INTEREST AND INSTALLMENT OF BANK LOAN FOR

5th YEAR
YEAR

TOTA
L

MONTH

EMI

PRINCIPAL

INTRES
T

CLOSING
BALANCE

27076

23792

3284

279354

27076

24050

3026

255304

27076

24310

2766

230994

27076

24574

2502

206420

27076

24840

2236

181580

27076

25109

1967

156471

27076

25381

1665

131090

27076

25656

1420

105433

27076

25934

1142

79500

10

27076

26215

861

53285

11

27076

26499

577

26786

12

27076

26786

290

00000

324912

303156

21756

Calculation of depreciation on the assets

Depreciation on Furniture:

YEARS

W.D.V OF
THE
ASSET

TOTAL
DEPRECIABLE
AMOUNT

DEPRECIATIO
N @ 10%

CLOSING
AMOUNT
OF ASSET

200000

200000

20000

180000

180000

180000

18000

162000

162000

162000

16200

145800

145800

145800

14580

131220

131220

131220

13122

118098

2
3
4

Depreciation on computer:

YEARS

W.D.V OF
THE ASSET

TOTAL
DEPRECIABLE
AMOUNT

DEPRECIATIO
N @ 40%

CLOSING
AMOUNT
OF ASSET

50000

50000

20000

30000

30000

30000

12000

18000

18000

18000

7200

10800

10800

10800

4320

6480

6480

6480

2592

3888

2
3
4

Depreciation on Fixture:

YEARS

W.D.V OF
THE ASSET

TOTAL
DEPRECIABLE
AMOUNT

DEPRECIATIO
N @ 10%

CLOSING
AMOUNT
OF ASSET

20000

20000

2000

18000

18000

18000

1800

16200

16200

16200

1620

14580

14580

14580

1458

13122

13122

13122

1312

11810

2
3
4

Depreciation on EQUIPMENT:

YEAR
S

W.D.V OF THE
ASSET

TOTAL
DEPRECIABLE
AMOUNT

DEPRECIATIO
N @ 10%

CLOSING
AMOUNT OF
ASSET

930000

930000

93000

837000

837000

837000

83700

753300

753300

753300

75330

677970

677970

677970

67797

610173

610173

610173

61017

549156

2
3
4
5

1st year
Trading & profit & loss account
particulars
To purchases
To wages
To utilities
To gross profit
To salary
To advertisement
To transport
To sundry
To telephone
To electricity
To rent
To packing

Amount
2220000
420000
180000
1880000
4700000
360000
60000
120000
60000
24000
180000
240000
96000

particulars
By sales

Amount
4700000

By gross profit

4700000
1880000

To interest
To depreciation
To preli.exp. w/o
To NPBT

144184
135000
3000
457816
1880000

1880000

Cash flow statement:

inflow
Own capital
Bank loan
sales

Amount
510000
1190000
4700000

Outflow
Working capital
Tax
EMI
Fixed assets
Registration
Deposit
Cash in hand

6400000

Amount
3960000
137344
324912

1200000
20000
150000
607744
6400000

Balance sheet
liabilities
Own capital

Amount
825475

Assets
Fixed assets

Bank loan

1009269

Current assets:

1834744

Amount
1065000

Cash in hand

607744

Deposit
Miscellaneous
expenses:
Preliminary ex.

150000

12000
1834744

2nd year
Trading and profit and loss a/c
Particulars
To purchases
To wages
To utilities
To gross profit
To salary
To advertisement
To transport
To sundry
To telephone
To electricity
To rent
To packing
To interest
To depn
To preli.exp.
w/o
To NPBT

Amount
2331000
441000
189000
2175000
5136000

Particulars
By sales

378000
63000
126000
63000
252000
189000
252000
100800
119236
115500
3000

By gross profit

513464
2175000

Amount
5136000

5136000
2175000

2175000

Cash flow statement

Inflow
Opening cash
Sales

Amount
607744
5136000

Outflow
Working capital
Tax
EMI
Cash in hand

5743744

Amount
4158000
154039
324912

1106793
5743744

Balance sheet
liabilities
Own capital

Amount
1411702

Assets
Fixed assets

Amount
949500

Current assets:
Bank loan

803591
Cash in hand
Deposit
Preliminary ex.
2215293

1106793
150000
9000
2215293

3rd year

Particulars
To purchases
To wages
To utilities
To gross profit
To salary
To advertisement
To transport
To sundry
To telephone
To electricity
To rent
To packing
To interest
To depn
To preli.exp.
w/o
To NPBT

Trading and profit and loss account

Amount
Particulars
2375400
By sales
449400
192600
2262600
5280000
385200
64200
128400
64200
25680
192600
256800
102720
90847
100350
3000
848603
2262600

By gross profit

Amount
5280000

5280000
2262600

2262600

Cash flow statement

Inflow
Opening cash
Sales

Amount
1106793
5280000

Outflow
Working capital
Tax
EMI
Cash in hand

6386793

Amount
4237200
254580
324912

1570101
6386793

Balance sheet
Liabilities
Own capital

Bank loan

Amount
2005728

Assets
Fixed assets

Amount
849150

569523

Current assets:
Cash in hand

1570101

Deposit
Preliminary ex.

150000
6000

2575251

2575251

4th year
Trading and profit and loss account
Particulars
To purchases
To wages
To utilities
To gross profit
To salary
To advertisement
To transport
To sundry
To telephone
To electricity
To rent
To packing
To interest
To depn
To preli.exp.
w/o
To NPBT

Amount
2419800
457800
196200
2350200
5424000

Particulars
By sales

392400
65400
130800
65400
26160
196200
261600
104640
58537
88155
3000

By gross profit

957908
2350200

Amount
5424000

5424000
2350200

2350200

Cash flow statement

inflow
Opening cash
sales

Amount
1570101
5424000

Outflow
Working capital
Tax
EMI
Cash in hand

6994101

Amount
4316400
287372
324912

2065417
6994101

Balance sheet
liabilities
Own capital

Bank loan

Amount
2676266

Assets
Fixed assets

Amount
760995

303146

Current assets:
Cash in hand

2065417

Deposit
Preliminary ex.

150000
3000

2979412

2979412

5th year
Particulars
To purchases
To wages
To utilities
To gross profit
To salary
To advertisement
To transport
To sundry
To telephone
To electricity
To rent
To packing
To interest
To depn
To preli.exp.
w/o
To NPBT

Trading and profit and loss account

Amount
Particulars
2464200
By sales
466200
199800
2389800
5520000
399600
66600
133200
66600
26640
199800
266400
106560
21756
78043
3000
1021601
2389800

By gross profit

Amount
5520000

5520000
2389800

2389800

Cash flow statement

Inflow
Opening cash
Sales

Amount
2065417
5520000

Outflow
Working capital
Tax
EMI
Cash in hand

7585417

Amount
4395600
306480
324912

2558425
7585417

Balance sheet
liabilities
Own capital

Bank loan

Amount
3391377

Assets
Fixed assets

Amount
682952

Current assets:
Cash in hand

2558425

Deposit
Preliminary ex.

150000
0

3391377

3391377

YEARLY
CASH IN HAND GRAPH

3000000
2558425
2500000
2065417
2000000
1570101
1500000
1106793
1000000
607744
500000
0

year1

year2

year3
Series 1

year4

year5

CALCULATION OF RATIO ANALYSIS

Year
1
2
3
4
5

Net profit ratio=sales/net profit after tax

4700000/320472=14.66

5136000/359435=14.28
5280000/594023=8.88
5424000/670536=8.08
5520000/715121=7.71

Net Profit Ratio

1st Year

14%
27%

2nd Year
3rd Year

15%

4th Year
5th Year

17%

27%

Year
1
2
3
4
5

Fixed assets to current assets=fixed assets/current assets

1065000/757744=1.40
949500/1256793=0.75
849150/1720101=0.49
760995/2215417=0.34
682952/2708425=0.25

Fixed assets to current assets ratio

1st Year

8%

2nd Year

11%
38%

3rd Year
4th Year

16%

5th Year

25%

Year
1
2
3
4
5

Debt service coverage ratio=

Net profit after tax+depreciation+interest/interest+installment
599656/469096=1.27
594161/444148=1.33
785220/415759=1.88
817228/383449=2.13
814920/346668=2.35

Debt service coverage ratio

26%

1st Year

14%

2nd Year
15%

3rd Year
4th Year
5th Year

24%

21%

CHAPTER - 5

CONCLUSION

Conclusion of the project

After the study we came to the conclusion that loan sanction required too
many legal formalities to be completed and many legal documents to be submitted
to the bank but since the confectionary industry is the rising industry we can get
the loan sanctioned easily.
From this observation we can say that bakery business can be in profit which
will enable us to pay back the loan installment on time.

SUGGESTIONS

 The Bakery should perform its activities according to the pre- planned.

Continuous taking of the customer are one of the main reason for growth
of the business.

To be a successful Company and aiming to expand business in future and

all the necessary activities should be done in advance which will make
you approach your dream.

BIBILOGRAPHY

Referred books:
Financial management :

Khan & Jain

Financial management :

S N Mahesh

Research Methodology:

C.K.Kothari.

WEBLINKS:
1.
2.
3.
4.
5.

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www.yellopages.com
www.wikipedia.org
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