PROCEKA

AI Solutions — Financial Projection Report

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Business & projection input form

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Live estimate (Year 1 & Year 2)

	GP%	NP%	Current Ratio	ISCR	DSCR	Debt-Equity
Y1	—	—	—	—	—	—
Y2	—	—	—	—	—	—

Green = within typical bank comfort range Amber = borderline Red = below typical threshold. Norms vary by lender.

Step 1 of 520% complete

Business Type — select one to configure the whole form

This determines which fields you'll see next. Choose Proposed for a business that hasn't started operating yet; choose Existing if it already has audited or actual financial history.

Proposed Business (New)
Not yet operational — no prior turnover or balance sheet Existing Business
Already operating — has actual turnover and an opening balance sheet

Part 1 — Business / entity details

Basic identification — drives the header on every statement.

Business / Entity name

Unit type

Business type (loads industry template)

PAN

Registered / business address

Initial (first projection) financial year — starting year

Number of projection years (max 10)

Month estimates are being prepared

Governs H1/H2 depreciation and loan disbursement timing for Year 1.

Prepared by (CA / consultant name) — optional

Part 2 — Assumptions

Working capital norms, tax rates, and other parameters used across the Balance Sheet and Trading & P&L projections.

A. Working Capital Norms

How many days of turnover/purchases are typically tied up in debtors, stock, and creditors.

Sundry debtors holding period (days)

Stock / inventory holding period (days)

Sundry creditors payment period (days)

Prefer to work from actual amounts instead? You can edit the closing Debtors, Stock, and Creditors figures directly in the Balance Sheet (Part 3) and Trading Account (Part 4) — doing so updates these day counts automatically.

B. Tax & Other Assumptions

Flat income tax rate — Partnership/HUF/Others (%)

Health & education cess (%)

Drawings — annual growth rate (%)

Investments — annual growth rate (%)

Cash credit / OD — average utilisation (% of limit)

C. Individual / Proprietorship income tax slabs (New Regime) — applies only if Unit Type is Proprietorship or HUF

Nil rate up to (₹)

Slab 2 upper limit (₹) / rate

Slab 2 rate (%)

Slab 3 upper limit (₹)

Slab 3 rate (%)

Slab 4 upper limit (₹)

Slab 4 rate (%)

Slab 5 upper limit (₹)

Slab 5 rate (%)

Slab 6 upper limit (₹)

Slab 6 rate (%)

Rate above Slab 6 (%)

Rebate 87A — Nil tax up to (₹)

Rebate 87A — max rebate (₹)

Part 3 — Balance Sheet

Opening Balance Sheet in strict T-format — Liabilities and Assets each broken into their standard sub-heads, auto-totalled with a live balance check.

Balance Sheet — As at Last 31st March

Liabilities

A. Capital

1. Opening capital

2. Add: Introduced during the year

3. Add: Profit from P&L Account ⓘ₹0

4. Less: Drawings

5. Sub-total A (1+2+3-4)₹0

B. Loans

1. Term Loans

2. Cash Credit / OD

Closing balance — Term Loans ⓘ₹0

Closing balance — CC / OD ⓘ₹0

3. Sub-total B (Year 1 closing, est.)₹0

C. Current Liabilities

1. Sundry creditors

2. Outstanding liabilities / expenses payable

3. Other current liabilities & provisions

Closing balance — Sundry creditors ⓘ

4. Sub-total C (Year 1 closing, est.)₹0

Total Liabilities (A+B+C)₹0

Assets

A. Fixed Assets

Depreciation schedule (WDV) — opening balances

Closing net block ⓘ₹0

Sub-total A (Year 1 closing, est.)₹0

B. Deposit / Security

1. Security & fixed/bank deposits

Closing balance ⓘ₹0

2. Sub-total B (Year 1 closing, est.)₹0

C. Current Assets

1. Sundry debtors

Closing balance — debtors ⓘ

2. Stock / inventory

Closing Stock ⓘ

3. Other current assets / advances / prepaid

4. Cash & bank balance

5. Sub-total C (Year 1 closing, est.)₹0

Total Assets (A+B+C)₹0

Enter opening figures to see the balance check

Part 4 — Trading & Profit and Loss Account

Two separate T-accounts, exactly as per standard practice: the Trading Account arrives at Gross Profit, which is carried down into the Profit & Loss Account to arrive at Net Profit. Reference rows are computed live; only the highlighted fields are inputs.

Trading Account — Year 1 (est.)

1. To Opening Stock ⓘ₹0

2. To Purchases / COGS

Purchases / COGS (%)

Purchases / COGS — Amount (₹)

3. To Direct / Manufacturing Expenses

Itemise below — the itemised total takes priority automatically. Only add a fallback % if you're not itemising.

Particulars	%	₹

Fallback % (only used if the itemised total above is zero)

Direct Expenses (%)

Direct Expenses — Amount (₹)

4. To Gross Profit c/d₹0

Total (Dr)₹0

1. By Sales / Turnover

Year 1 Turnover (₹)

Year 2 Turnover (₹)

Growth rate — Year 3 onward (%)

2. By Closing Stock ⓘ

Total (Cr)₹0

Enter revenue and cost figures to see the Year 1 preview

Profit & Loss Account — Year 1 (est.)

1. To Indirect Expenses

Itemise below — the itemised total takes priority automatically. Only open the fallback below if you're not itemising.

Particulars	%	₹

Fallback % (only used if the itemised total above is zero)

Salary & Staff Cost (%)

Salary & Staff Cost — Amount (₹)

Rent (%)

Rent — Amount (₹)

Other Admin / Selling (%)

Other Admin / Selling — Amount (₹)

Annual growth — fallback & itemised (%)

3. To Depreciation ⓘ₹0

4. To Interest on Loans & CC/OD ⓘ₹0

5. To Income Tax ⓘ₹0

6. To Net Profit c/d₹0

Total (Dr)₹0

1. By Gross Profit b/d ⓘ₹0

2. By Other IncomeNot yet supported — ask to add

Total (Cr)₹0

Enter revenue and cost figures to see the Year 1 preview

Net Profit c/d above is carried to the Capital Account in the Balance Sheet (Part 3, section A.3).

On-screen preview — free

Trading & Profit and Loss Account

Balance Sheet (as at year end)

Key Ratio Analysis

Projected Cash Flow Statement (Indirect Method)

Break-even Analysis

Annexure — Definitions, Methodology & Formulae Used

These are estimated / projected financial statements prepared on the basis of information, data, and assumptions furnished by the management / applicant, and are subject to the accuracy and completeness of such information. Actual results may vary from these projections due to factors including but not limited to changes in market conditions, business operations, and regulatory environment. This statement is prepared for the purpose of loan appraisal / financial planning and does not constitute an audit, review, or assurance opinion.

₹5,000₹2,500 + 18% GST

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Business & projection input form

Business Type — select one to configure the whole form

Part 1 — Business / entity details

New Business — Loan-Based Quick Setup

Part 2 — Assumptions

Part 3 — Balance Sheet

Part 4 — Trading & Profit and Loss Account

Trading & Profit and Loss Account

Balance Sheet (as at year end)

Key Ratio Analysis

Projected Cash Flow Statement (Indirect Method)

Break-even Analysis

Annexure — Definitions, Methodology & Formulae Used