एक विनिर्माण कंपनी निम्नलिखित वित्तीय डेटा प्रदान करती है: चालू संपत्ति (CA) = 6,00,00,000 बैंक ऋणों को छोड़कर चालू देनदारियां (CL) = 1,50,00,000 उधारकर्ता द्वारा प्रदान की गई वास्तविक शुद्ध कार्यशील पूंजी (NWC) = 50,00,000 टंडन समिति के मानदंडों के आधार पर बैंक उधार देने की दूसरी पद्धति (Second Method of Lending) का अनुसरण करता है। न्यूनतम आवश्यक NWC की तुलना में उधारकर्ता के NWC योगदान में वास्तविक कमी या अधिशेष कितना है?

A business has a Projected Annual Turnover of ₹1,200 Lakhs. According to the Nayak Committee recommendations for MSMEs, calculate (i) the Total Working Capital Requirement and (ii) the Minimum Bank Finance.

Banks use various methods to assess the working capital needs of a business, ensuring that the borrower has sufficient liquidity to run day-to-day operations. The choice of method often depends on the size of the borrower and the nature of the industry. Statement I: The Nayak Committee recommended that for MSME units, the working capital limit should be assessed at a minimum of 20 percent of the projected annual turnover. Statement II: The Projected Turnover Method is generally used for borrowers with working capital limits up to ₹5 Crore from the banking system. Statement III: Under the Cash Budget Method, the credit limit is determined based on the maximum deficit shown in the monthly cash flow projections of the borrower. Considering the statements provided, which of the following is correct?