Estimation for bank loan

different banks follows different criteria for OD. however most of the banks will give 75% of clossing stock as OD limit and your turnover must be 5 times more than OD limit.current ratio is also important.it is better to keep 1.5 as current ratio.

I have doubt that how much the approx. amount to show the debtors, creditors,sales,Purchase and closing stock figure Pls specify with an example.

for example if your OD is 5 lakh then

sale 25lakh

clossing stock around 7.5 lakh

purchase 10% or 20% more than last year.

debtor and creditor you can keep any reasonable amt.you put debtor and creditor after filling all other figure for adjust the current ratio.

still if you are getting diff then adjust in capital and fixed assets

Thank you for your valuable advice