CREDIT RATING FOR INTEREST APPLICATION CRITERIA 1. Compliance of all the terms & conditions of sanction 2.

Current Ratio - 1.33 & above WEIGHTAGE MARKS ALLOTTED 5.00 10.00

3. Debt Equity Ratio - Below 2.00 consistently for the past TWO years - Above 2.00 upto 3.00 for the past TWO years - Above 3.00 upto 4.00 for the past THREE years - Above 4.00 upto 5.00 4. QIS / Stocks and Renewal data - Timely Submission - Delayed/Irregular Submission - Non Submission 5. Prompt service of Interest / Instalment and qualifying for classification under Standard Asset 6. Inventory Norms - Fair compliance ( Deviation upto 15%) - Compliance with Deviation (15% to 30%) 7. Compliance to Bills culture

15.00

10.00

20.00

5.00

5.00 8. Payments of Bills on due dates - With a delay upto 15 days - overdue for more than 3 months 9. Timely renewal of limits (within 16 months) *10.Prompt fulfilment of LC/LG commitments on due dates - Development of LCs/LGs 11. Providing substantial ancillary business/deposits & overall association with Bank NA

5.00 5.00

10.00

* If the company does not enjoy any LC/LG facility the 5 marks under No.10 to be added to No.11 90.00 % =81.11 A RATED BORROWER 73.00

Name of the Borrower :

Page 23

Annexure 'A'

MARKS ALLOTTED

LIABILITIES

Actuals 2007

Actuals 2008

Estimates Projections 2009 2010

Current Liabilities 1. Short-term borrowings from Banks a) from Janta Sah.Bank b) from other Banks Sub - Total (A) 2. Short-term borrowings from others 3. Deposits (Maturing in 1 year.) 4. Sundry Creditors 5. Unsecured Loans 6. Advances / Progress Payments from customers/deposits from dealers 7. Interst and other charges accrued, but not due for payment 8. Provision for taxation (Income Tax/Dividend Tax) 9. Dividend payable 10. Other statutory Liabilities (due in one year) 11. Instalments of Term Loans/Deffered payment Credits/debentures/ redeemable preference shares (due in 1 year) 12. Other current Liabilities and provisions (due in one year) Sub Total (B) 13. Total Current Liabilities (A+B)

Name of the Borrower : RADIANT PACKERS

BALANCE SHEET SPREAD (CONTD) As per Balance Sheet as of Actuals Estimates Projections 2008 2009 2010

LIABILITIES

Actuals 2007

Term Liabilities 14. Debentures (not maturing in 1 yr.) 15. Reedemable Preferece shares (Maturing after 1 but before 12 years) 16. Term Loans 17. Deferred Payment Credits 18. Term Deposits repayable after 1 Year) 19. Other Term Liabilities 20. Total Term Liabilities 21. Total outside Liabilities

NET WORTH 22. Ordinary share capital 23. Preference Share Capital (Maturing after 12 years.) 24. General Reserve (Unsecured Loans) 25. Development Rebate Reserve/Investment Allownace / Def. Tax. Liability 26. Other Reserves excl. provisions+A19 27. Surplus (+) or Deficit (-) in P & L Account 28. NET WORTH 29. Total Liabilities

Name of the Borrower : RADIANT PACKERS

ASSETS

Actuals 2007

Actuals 2008

Estimates Projections 2009 2010

Name of the Borrower : RADIANT PACKERS

ANNEXURE VI (CONTD) As per Balance Sheet as of Actuals Estimates Projections 2008 2009 2010

ASSETS

Actuals 2007

Fixed Assets 39. Gross Block 40. Depreciation to date (As per Annexure attached) 41. Net Block OTHER NON CURRENT ASSETS. 42. Investments/book debts/ advances/ deposits a) Investment in subsidiary companies/ affiliates etc. b) Advances to suppliers of Capital goods/ spares and contractors for capital expenditure #DIV/0! c) Deferred receivables (Maturing beyond 1 yr.) d) Others 43. Non-consumable stores/spares 44. Other Misc. assets including Dues from Directors 45. Total other Non Current Assets 46. Intangible Assets 47. TOTAL ASSETS 48. Tangible Net Worth (28-46) 49. Net Working Capital (38-13) 50. Current Ratio 51. TOL / TNW 52 TL / TNW (DE Ratio)

Name of the Borrower : RADIANT PACKERS

OPERATING STATEMENT Description Actuals 2006 Actuals 2007 (Rs. in Lakhs) Actuals Projections Projections 2008 2009 2010

1. Gross Sales a. Export b. Domestic 2. Less : Excise Duty 3. Net Sales 4. Cost of Sales a. Raw Materials (incl. stores) - Imported - Indigenous b. Other Spares c. Power & Fuel d. Direct Labour e. Repairs & Maintenance f. Other Manufacturing expenses g. Depreciation Sub-Total Add : Opening stocks-in-process Sub-Total Deduct : Closing stock-in-process Cost of Production Add : Opening stock of finished goods Sub-Total Deduct : Closing stock of finished goods Sub-Total (Total cost of Sales) 6. Selling General & Administrative Expenses 7. Sub Total 8. Operating Profit before Interest 9. Interest 10. Operating Profit after Interest 11. i)Add other Non operating Income a) Operating b) Non operating Sub Total (Income) ii) Deduct other Non Opg. Expenses a) Operating b) Non operating Sub Total (Expenses) Net of other Non Operating Income/ Expenses 12 Profit before tax / loss Less : Def. Tax 13 Less : Provisions for taxes 14 Net Profit/Loss 15 a) Equity Dividend Paid b) Dividend Rate 16 Retained Profit 17 Retained Profit/Net Profit % NAME OF THE BORROWER :

Projections Projections Projections 2011 2012 2013

FINANCIAL PARAMETERS BASED ON AUDITED BALANCE SHEET

Actuals Actuals Estimate Projections

Paid-up Capital Free Reserves Tangible Networth Outside Liabilities Term Liabilities Net Fixed Assets Net Working Capital Amt. Invested in outside business / diversion Net Sales Cost of Sales Net Profits Depreciation Arrearsof Depreciation Development Rebate/ Investment Allowances Cash Accruals Dividends On equity shares On Preference shares % of Dividend

Mar'04 104.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Mar-05 112.59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Mar-06 137.86 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Mar-06 159.71 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0%

0.00 0.00 0%

0.00 0.00 0%

0.00 0.00 0%

FINANCIAL RATIOS - Current Ratio - Debt Equity Ratio - Total Outside Liability/TNW - Total Inventory / Net Sales - Receivables / Gross Sales - Net Profit / Net Sales - Net Profit / TNW DSCR ( In case of T/L only) Face Value of Share Market Price ( High / Low )

0.00 0.00 0.00 #DIV/0! #DIV/0! #DIV/0! #DIV/0!

0.00 0.00 0.00 #DIV/0! #DIV/0! #DIV/0! #DIV/0!

0.00 0.00 0.00 #DIV/0! #DIV/0! #DIV/0! #DIV/0!

0.00 0.00 0.00 #DIV/0! #DIV/0! #DIV/0! #DIV/0!

Name of the Account : SIMFAR PACKAGING

Fund Flow Statement Particulars 1 SOURCES a) Net Profit (A. Tax) b) Depreciation Increase in c) Capital d) Term Liabilities e) Decrease in i) Fixed Assets ii) Other NCA f) Others ( USL) g) TOTAL 2 USES a) Net Loss b) Decrease in T/Lia. Public Deposits c) Increase in i) Fixed Assets ii) Other NCA d) Dividend Payments e) Others f) TOTAL 3 LONG TERM SURPLUS (+) DEFICIT (-) (1-2) Increase/Decrease in 4 Current Assets (as per details given below) 5 Current Liabilities other than B/B 6 Working Capital Gap 7 N.Surplus (+)Deficit(-)(diff of 3, 6) 8 Increase/Decrease in Bank Borrowings INCREASE/DECREASE IN NET SALES (*) Break up of (4) Increase/Decrease in I) Raw Materials II) Stock in Process III) Finished Goods IV) Receivables (Domestic) V ) Others
Name Of The Account:- SIMFAR PACKAGING

2005 Actuals 12.52

2006 Estimate 15.28

2007 Proj 19.96

6 5.28

19.13 0.00

15.55

0.00 23.80

3.12 0.00 37.53

0.00 35.51

10.09

9.11

6.29 1.37

7.66 16.14

10.09 27.44

9.11 26.40

0.98 -19.41 20.39 -4.25 8.30 11.11

49.63 13.59 36.04 -8.60 28.73 152.29

28.99 14.10 14.89 11.51 5.00 56.20

-0.87 8.33 4.82 -6.34 -4.96

13.48 -1.15 7.85 29.20 -0.25

9.35 1.07 2.32 18.25 -2