BANK LOAN SAMPLE
Projected balance sheet
format in Excel
See how one trading business moves from actual accounts to projections.
Full CMA sample · Balance sheet: Form III · Fixed values, not formulas
Kaveri Office Supplies
Fictional example · Proprietorship · Office-supplies wholesaler
| Particulars | FY2025-26Actual | FY2026-27Estimated | FY2027-28Projected |
|---|---|---|---|
| Capital & liabilities | |||
| Owner’s capital / net worth | 45.00 | 49.56 | 54.63 |
| Bank cash credit | 12.00 | 15.00 | 15.00 |
| Sundry creditors | 12.00 | 8.68 | 9.55 |
| Total liabilities + capital | 69.00 | 73.24 | 79.18 |
| Assets | |||
| Net fixed assets | 9.00 | 9.00 | 9.00 |
| Stock | 30.00 | 26.04 | 28.64 |
| Sundry debtors | 24.00 | 21.70 | 23.87 |
| Cash & bank | 6.00 | 16.50 | 17.67 |
| Total assets | 69.00 | 73.24 | 79.18 |
What changes in the estimate?
- Sales
- ₹120 lakh₹132 lakh
- Stock
- ₹30 lakh₹26.04 lakh
- Owner’s capital
- ₹45 lakh₹49.56 lakh
10% growth assumption.
Based on 90 stock days.
Profit retained after drawings.
Actual, estimated or projected?
- Actual
- Completed-year figures entered from the business’s accounts. This fictional sample does not imply an audit.
- Estimated
- An estimate for the current financial year. This example starts on 1 April 2026, so its estimate covers the full year.
- Projected
- A future-year forecast based on the stated assumptions. It is not an actual result.
Assumptions behind these figures
- Annual sales growth: 10%. Gross margin: 20%.
- Stock / debtor / creditor periods: 90 / 60 / 30 days.
- Operating expenses: 7.5% of sales. CC interest: 11%.
- Drawings: 65% of profit after tax. No added capital.
- No term debt. Net fixed assets remain ₹9 lakh in these selected years.
Projected capital: ₹49.56 lakh + ₹14.49 lakh PAT − ₹9.42 lakh drawings = ₹54.63 lakh, after rounding. Tax and depreciation are calculated by the app.
The CMA sample also flags holding-period funding for review. A balanced statement does not mean all assumptions are appropriate. See the complete sample and review notes.
What is included in the downloads?
Both downloads contain the full fictional CMA report. Open Form III in Excel, or page 4 in the PDF, for the balance sheet. The report includes two actual years, one estimate and three projected years.
The Excel file contains fixed report values. Editing a cell will not recalculate other figures. Generate a new report in Munimly to use your own inputs.
No independent CA review or bank acceptance is claimed. Requirements vary by lender.
Prepare your own projections
Enter accounts. Set assumptions. Review and export.