MIRA
INFORM REPORT
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Report Date : |
03.03.2007 |
IDENTIFICATION
DETAILS
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Name : |
INSIGHT BUSINESS MACHINES PRIVATE LIMITED |
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Registered Office : |
B-210, Raj Ratan Industrial Estate, Beside American Spring
Works, Ramchandra Lane Extension, Malad (West), Mumbai-400064, Maharashtra |
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Country : |
India |
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Financials (as on) : |
31.03.2003 |
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Date of Incorporation : |
11.01.1996 |
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Com. Reg. No.: |
11-96148 |
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CIN No.: [Company
Identification No.] |
U30000MH1996PTC096148 |
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TAN No.: [Tax
Deduction & Collection Account No.] |
MUMI04082B |
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Legal Form : |
Private Limited Liability Company |
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Line of Business : |
Manufacturer, Buyer, Seller, Importer, Exporter, Distributor, Repairer, Maintainer, Exchanger, Alter or Hire, Buyer and Seller on Purchase Systems or Installment, System or to Contract, Develop, Enter into Arrangement for Setting up the same in whole or in fort or in any part or in any other way to deal in Electronic Office Equipments, Computers, Computer Peripherals, Computer Software, Computer Consumables, accounting Machineries, Equipments and Products. |
RATING &
COMMENTS
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MIRA’s Rating : |
Ba |
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RATING |
STATUS |
PROPOSED CREDIT LINE |
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41-55 |
Ba |
Overall operation is considered normal. Capable to meet normal
commitments. |
Satisfactory |
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Maximum Credit Limit : |
USD 15000 |
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Status : |
Satisfactory |
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Payment Behaviour : |
Regular |
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Litigation : |
Clear |
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Comments : |
Subject is a well established and reputed company having satisfactory
track. Directors are reported as
experienced and respectable businessmen.
Trade relations are reported as fair.
Business is active. Payments
are usually correct and as per commitments. The company can be considered normal for business dealings at usual
trade terms and conditions. |
LOCATIONS
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Registered Office/Factory : |
B-210, Raj Ratan Industrial Estate, Beside American Spring
Works, Ramchandra Lane Extension, Malad (West), Mumbai-400064, Maharashtra,
India |
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Tel. No.: |
91-22-28820110 |
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E-Mail : |
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Website : |
DIRECTORS
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Name : |
Mr. Neel Shashikant Shah |
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Designation : |
Director |
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Address : |
Satyam, Plot No. 5, Evershine Nagar, Malad (West),
Mumbai-400064, Maharashtra, India |
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Date of Birth/Age : |
09.12.1969 |
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Date of Appointment : |
11.01.1996 |
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Name : |
Mr. Piyush Vipinchandra Vibhakar |
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Designation : |
Director |
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Address : |
A-4, Ajit Nagar, S. V. Road, Malad (West), Mumbai-400064,
Maharashtra, India |
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Date of Birth/Age : |
13.08.1972 |
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Date of Appointment : |
11.01.1996 |
MAJOR SHAREHOLDERS
/ SHAREHOLDING PATTERN
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Names of Shareholders |
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No. of Shares |
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Mr. Neel Shashikant Shah |
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1100 |
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Mr. Piyush Vipin Vibhakar |
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1100 |
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Neel S. Shah (HUF) |
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1500 |
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Piyush V. Vibhakar (HUF) |
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1500 |
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Mrs. Amisha N. Shah |
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500 |
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Mrs. Kajal Piyush Vibhakar |
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500 |
BUSINESS DETAILS
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Line of Business : |
Manufacturer, Buyer, Seller, Importer, Exporter, Distributor,
Repairer, Maintainer, Exchanger, Alter or Hire, Buyer and Seller on Purchase
Systems or Installment, System or to Contract, Develop, Enter into
Arrangement for Setting up the same in whole or in fort or in any part or in
any other way to deal in Electronic Office Equipments, Computers, Computer
Peripherals, Computer Software, Computer Consumables, accounting Machineries,
Equipments and Products. |
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Products : |
Computers |
GENERAL
INFORMATION
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Suppliers : |
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Customers : |
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Bankers : |
Development Credit Bank Limited, Malad Branch, Mumbai-400064, Maharashtra, India Development Credit Bank Limited, Jogeshwari Branch, Mumbai-400102, Maharashtra, India |
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Banking
Relations : |
Satisfactory |
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Auditors : |
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Name : |
Vikas M. Mehta Chartered Accountant |
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Address : |
2/11, Dube Building, Old Nagardas Road, Andheri (East), Mumbai-400069, Maharashtra, India |
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Tel. No.: |
91-22-28214017 |
CAPITAL STRUCTURE
Authorised Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
25000 |
Equity Shares |
Rs. 100/- each |
Rs. 2.500 millions |
Issued, Subscribed & Paid-up Capital :
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No. of Shares |
Type |
Value |
Amount |
|
6200 |
Equity Shares |
Rs. 100/- each |
Rs. 0.620
million |
FINANCIAL DATA
[all figures are in Rupees Millions]
ABRIDGED BALANCE
SHEET
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SOURCES OF FUNDS |
31.03.2003 |
31.03.2002 |
31.03.2001 |
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SHAREHOLDERS FUNDS |
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1] Share Capital |
0.620 |
0.120 |
1.270 |
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2] Share Application Money |
1.550 |
1.150 |
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3] Reserves & Surplus |
1.016 |
0.600 |
0.290 |
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4] (Accumulated Losses) |
0.000 |
0.000 |
0.000 |
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NETWORTH |
3.186 |
1.870 |
1.560 |
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LOAN FUNDS |
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1] Secured Loans |
1.452 |
0.621 |
0.000 |
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2] Unsecured Loans |
0.000 |
0.025 |
0.025 |
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TOTAL BORROWING |
1.452 |
0.646 |
0.025 |
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DEFERRED TAX LIABILITIES |
0.000 |
0.000 |
0.000 |
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TOTAL |
4.638 |
2.516 |
1.585 |
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APPLICATION OF FUNDS |
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FIXED ASSETS [Net Block] |
1.794 |
2.089 |
1.056 |
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Capital work-in-progress |
0.000 |
0.000 |
0.000 |
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INVESTMENT |
0.000 |
0.000 |
0.000 |
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DEFERREX TAX ASSETS |
0.017 |
0.000 |
0.000 |
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CURRENT ASSETS, LOANS & ADVANCES |
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Inventories |
2.869 |
0.279 |
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Sundry Debtors |
16.853 |
4.460 |
8.044 |
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Cash & Bank Balances |
1.791 |
2.381 |
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Other Current Assets |
0.000 |
0.000 |
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Loans & Advances |
0.713
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0.670 |
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Total
Current Assets |
22.226
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7.790 |
8.044 |
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Less : CURRENT
LIABILITIES & PROVISIONS |
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Current Liabilities & Provisions |
19.404 |
7.370 |
7.525 |
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Total
Current Liabilities |
19.404
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7.370 |
7.525 |
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Net Current Assets |
2.822
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0.420 |
0.519 |
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MISCELLANEOUS EXPENSES |
0.005 |
0.007 |
0.010 |
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TOTAL |
4.638 |
2.516 |
1.585 |
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PROFIT & LOSS
ACCOUNT
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PARTICULARS |
|
31.03.2003 |
31.03.2002 |
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Sales Turnover |
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86.987 |
55.933 |
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Other Income |
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0.000 |
0.000 |
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Total Income |
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86.987 |
55.933 |
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Profit/(Loss) Before Tax |
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0.697 |
0.453 |
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Provision for Taxation |
|
0.269 |
0.140 |
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Profit/(Loss) After Tax |
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0.428 |
0.313 |
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Total Expenditure |
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86.290 |
55.479 |
KEY RATIOS
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PARTICULARS |
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31.03.2003 |
31.03.2002 |
31.03.2001 |
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PAT / Total Income |
(%) |
0.49
|
0.55 |
N.A. |
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Net Profit Margin (PBT/Sales) |
(%) |
0.80
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0.80 |
N.A. |
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Return on Total Assets (PBT/Total Assets} |
(%) |
2.90
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4.58 |
N.A. |
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Return on Investment (ROI) (PBT/Networth) |
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0.21
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0.24 |
N.A. |
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Debt Equity Ratio (Total Liability/Networth) |
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6.54
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4.28 |
4.83 |
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Current Ratio (Current Asset/Current Liability) |
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1.14
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1.05 |
1.06 |
LOCAL AGENCY
FURTHER INFORMATION
The company’s fixed assets of important value includes Industrial Gala, Furniture and Fixtures, Computers, Motor Car, Office Equipments, Fax Machine, Computer Not Book, EPABY Systems and Air Conditioners.
WEBSITE DETAILS
profile
Subject has been in the field of technology computing since 1988. The beginnings were a firm called Eurotech Computers in 1992, established by Piyush Vibhakar and Neel Shah. Eurotech Computers established a niche for itself in the IT sector as a solution provider. Encouraged by this fair response, both the directors started a bigger venture in technology computing under the name Insight Business Machines Private Limited in 1996 which is a success story that continues in its landmark stride.
E-Business and Internet Revolution:
Providing cutting-edge solutions has become a way of life here at Insight. Right since 1996, development, hosting and solution services have been provided to a variety of clientele. Their current projects include developing an online Network Marketing System on the Web. Insight has to its credit development of an online media monitoring B2C site on the Internet whereby customers and clients of advertising/media companies can access detailed reports of their advertisements and promotions appearing on any Indian channel for any period of time. Developed on Access and SQL with ASP, this is a one-of-its-kind online system available in India.
Y2K:
In
1999, Insight engaged its expertise in the field of Y2K solutions providing
NSTL standard solutions - NSTL is the world leader in benchmarking. Insight
performed about 700 system audits on Y2K, assessing Y2K readiness, preparing
comprehensive compilations on inventory information and then preparing a
solution sheet to deploy the Y2K solutions. The Y2K services were a critical
component in their business to establish theirselves as a complete solutions
provider to their clients in the field of technology computing.
FDDI Network:
In 1999, when Fiber Optic had just began to take place and was considered happening, Insight took up the initiative to enhance fiber optic networking further with its expertise. With its core competency to configure and integrate systems and solutions, Insight provided its solutions to Kesar Enterprises for their Campus Network and LAN applications at all levels from the occasional user to the expert broadcast Package. Kesar Enterprises today has an installation base of fiber optic network at its 300 mts. site online at Baheri (UP).
Internet/Intranet Solutions:
Later, in 1998, Insight stepped into the market of internet/intranet services and solutions. Insight has a core group consisting of expertise professionals specializing in networking and messaging solutions, and development initiatives. Which enabled it to provide competitive solutions in this field. They set up an installation base of 200 client nodes across 4 branch offices on Lotus Domino for Alkyl Amines at Vashi, Patalganga, Kurkum, Worli. Remote connectivity for dispatch logistics was established at Prince Pipes and Fittings for its offices in Mumbai and Silvassa. Their databases are updated every two hours through this remote connectivity 7x24. Justdial Services (8888888) has been availing their services for providing mission-critical compact solutions. Insight is maintaining 180 machines across Justdial providing 24-hour helpdesk management at all their locations.
Facility Management:
In 1997, Insight, after gaining the much required expertise in the field of technology computing, emerged as a trusted solutions provider and started its facility management services in a big way. Facility Management is an enterprise solution that encompasses services such as helpdesk management, mail system management, virus control, network management and system integration support. TIFR, Nuclear Power Corporation (TAP III and IV), Naval Dockyard (Mumbai), Sahara India Parivar (Lucknow, Mumbai, Lonavala - Amby Valley, Gujarat, Kolkata), Nirlon Limited, Indian Rayon (Veraval - Rajkot), Alkyl Amines Chemicals, Balsara Hygeine Products Limited, Westcoast Industries, Vyas Giannetti Creative, Welspun (Bharuch), Dewan Housing, Bigates Software Private Limited, Visionary Software Technologies Private Limited, Span Apparels Private Limited. (Spykar), Gini & Jony Apparels Pvt. Limited., The Retreat, Kesar Enterprises, Time Monitoring, are a few of the corporate bigwigs that have been benefited tremendously with their solutions.
Cine MMX:
In 1996, Insight launched the one-of-its-kind multimedia system Cine MMX in Mumbai, a system targeted at multimedia applications at all levels from the occasional user to the expert broadcast animator and special effects specialist. The launch met with an unprecedented success, a veritable after-effect being that Insight services many clients in the entertainment and broadcast world. Yashraj Films, UTV, NewTV - Ahmedabad, Sahara, Devgan Entertainment, Digital Planet are a few of the big names in this area.
services
Systems Integration and Technology Consulting
Over the years Insight has been offering unsurpassed expertise in integrating IT products successfully into business operations. It has been providing systems implementation and integration services to its clients in a relentless manner for over a decade now. Their innovative approach and customer-oriented marketing have earned them a valuable reputation. Subject is a business partners to multinational companies like Apple, Compaq, IBM 3 COM, Microsoft, HP, Acer, Cisco et all.
Networking
By partnering with Cisco, Insight will assist you in solving
futures' complex networking challenges. Combining extensive LAN/WAN networking
resources with a focused team approach, they offer a single, reliable source
for a full range of network integration services and solutions. It technical
experts, who hold the industry's top certifications, offer consulting to help
it meet its unique networking requirements. Coordinating with multiple vendors
and providing expertise on multiple technologies, subject plans its data
networks within the constraints of time, staffing and budgeting. Their
certified engineers will coordinate with its management team in all phases of
networking, which include:
· Analysis
· Planning
· Design
· Corporate network
· Support
Its certified project management team will coordinate all that is required in the implementation of its data/voice/video network. In order to manage all components of network implementation, Insight's project management team operates under a strict methodology, wherein they are responsible for discovery, planning, implementation and acceptance of the project, while keeping in constant communication with you on project status.
Hardware Solutions
Being an integral part of any IT Solution, Insight's hardware philosophy lies in introducing the top-in-class products and technologies for it valued customers. Insight offers a wide spectrum of the latest computing hardware technologies including servers, high-end workstations, desktop PCs Handheld, PDA and notebooks, and a never-ending array of peripherals and accessories. Serving the information needs of leading corporate and multinationals, Insight has leveraged its skills in all aspects of defining your hardware requirements, procuring materials for you at the most economical rates and providing you after-sales support and systems maintenance on the same. Basically, hardware is the backbone of Insight.
Facility Management
The constant challenge is to ensure that resources are expended in the most valuable areas. Facility Management permits you to redirect the resources away from non-core activities towards activities, which have a greater return in serving the customer. Those of your people whose energies are currently focused internally can now be focused externally on the customer. Working with Insight Facility Management, you not only bring new technology, but the staff learns and becomes experienced with it in the process. You avoid the cost of chasing technology. Insight's facility management software helps you monitor resources and activities in the following areas of activity:
· Management of physical
systems.
· Management of information base.
· Supervision of day-to-day MIS operations.
· Implementation of software and hardware modules.
· Monitoring of required enhancements of hardware and software.
In short, Insight FMS provides the services of an add-on in-house Information
Systems Manager.
Project Based Services
Mission critical projects require close teamwork along with the right expertise, and resources. Traditionally option to hire specialized staff to complete the project in house or bring in traditional consulting firms whose personnel you may be responsible for managing, equipping, housing or even training. Both solutions require time and money that competitive companies cannot afford to waste.
Insight provides with the solutions that match your business requirements:
· Elite teams of
handpicked development experts and seasoned project managers.
· Close working relationship so as to enable a single-point communication.
· State-of the-art secure facilities.
· Cutting-edge tools to get the job done.
· Rigorous testing for success in the real world
Web and Internet Application Development
E-business need not be puzzling. It Internet solutions are just a step apart when you work with Insight. When it comes to accessing the most complex technical tasks, they are up to the challenge. From client/server development to Y2K conversions to web-based development, Insight integrates into his fold all your requirements.
Subject Internet Application Development Practice specializes in end-to-end application development using technologies like Oracle 8i, SQL Server, Java, JSP, ASP, XML, HTML, DHTML, etc. They understand the needs of the convergence economy companies and have the ability to deliver projects at lower costs and Time-to-Market. They have experience in working with a wide range of hardware and software environments and many different Web and Application servers that are in the market.
Client/Server Development
Take things further, and it now provide services in software application development. Over a period of two years, they have developed in-house expertise to cater to the software requirements. From installation, training, maintenance to development, they support you in all the needs. Subject skill sets lie in meeting customer demands. And exploring new market opportunities. It takes care of mission-critical application development, user-centric processes and comprehensive enterprise management through It development team. Subject development team has developed competitive products in web server technologies and enterprise management products.
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Name of the company |
INSIGHT BUSINESS
MACHINES PRIVATE LIMITED |
|
Presented By |
DEVELOPMENT
CREDIT BANK LIMITED, Jogeshwari Branch, Mumbai – 400102 |
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1) Date and description of instrument creating the change |
Letter of recording dt. 20.03.2004 |
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2) Amount secured by the charge/amount owing on the securities of
charge |
Rs. 1.000 milliion [Bank Guarantee] |
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3) Short particular of the property charged. If the property acquired
is subject to charge, date of the acquired of the property should be given |
Equitable mortgage by deposit of title deeds of property viz. Gala No.
210, ‘B’ Wing, 2nd Floor, situated at Rajratna Industrial Estate,
Malad [West], Mumbai – 400064 admeasuring area of 683 sq. ft. |
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4) Gist of the terms and conditions and extent and operation of the
charge. |
Rate of Interest
: 15% p.a. with monthly rests or at such other intervals / rates of interest
as may be notified by the bank from time to time. Margin – 25% of cost price / market value whichever is lower
& 50% book debts not exceeding 90 days [other than associates]. Repayment on and Annual Review |
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5) Name and Address and description of the person entitled to the
charge. |
Development
Credit Bank Limited Jogeshwari
Branch, Mumbai – 400102 |
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6) Date and brief description of
instrument modifying the charge |
N.A. |
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7) Particulars of modifications specifying the terms and conditions or
the extent of operations of the charge in which modification is made and the
details of the modification. |
N.A. |
CMT REPORT
(Corruption, Money Laundering & Terrorism]
The Public Notice information has been collected from various sources
including but not limited to: The Courts, India Prisons Service,
Interpol, etc.
1] INFORMATION ON
DESIGNATED PARTY
No records exist designating subject or any of its beneficial owners,
controlling shareholders or senior officers as terrorist or terrorist
organization or whom notice had been received that all financial transactions
involving their assets have been blocked or convicted, found guilty or against
whom a judgement or order had been entered in a proceedings for violating
money-laundering, anti-corruption or bribery or international economic or
anti-terrorism sanction laws or whose assets were seized, blocked, frozen or
ordered forfeited for violation of money laundering or international
anti-terrorism laws.
2] Court Declaration :
No records exist to suggest that subject is
or was the subject of any formal or informal allegations, prosecutions or other
official proceeding for making any prohibited payments or other improper
payments to government officials for engaging in prohibited transactions or
with designated parties.
3] Asset Declaration :
No records exist to suggest that the property or assets of the subject
are derived from criminal conduct or a prohibited transaction.
4] Record on Financial
Crime :
Charges or conviction
registered against subject: None
5] Records on Violation of
Anti-Corruption Laws :
Charges or
investigation registered against subject: None
6] Records on Int’l
Anti-Money Laundering Laws/Standards :
Charges or
investigation registered against subject: None
7] Criminal Records
No
available information exist that suggest that subject or any of its principals have
been formally charged or convicted by a competent governmental authority for
any financial crime or under any formal investigation by a competent government
authority for any violation of anti-corruption laws or international anti-money
laundering laws or standard.
8] Affiliation with
Government :
No record
exists to suggest that any director or indirect owners, controlling
shareholders, director, officer or employee of the company is a government
official or a family member or close business associate of a Government
official.
9] Compensation Package :
Our market
survey revealed that the amount of compensation sought by the subject is fair
and reasonable and comparable to compensation paid to others for similar
services.
10] Press Report :
No press reports / filings exists on
the subject.
CORPORATE
GOVERNANCE
MIRA INFORM as part of its Due Diligence do provide comments on
Corporate Governance to identify management and governance. These factors often
have been predictive and in some cases have created vulnerabilities to credit
deterioration.
Our Governance Assessment focuses principally on the interactions
between a company’s management, its Board of Directors, Shareholders and other
financial stakeholders.
CONTRAVENTION
Subject is not known to have contravened any existing local laws,
regulations or policies that prohibit, restrict or otherwise affect the terms
and conditions that could be included in the agreement with the subject.
FOREIGN EXCHANGE
RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.44.56 |
|
UK Pound |
1 |
Rs.85.79 |
|
Euro |
1 |
Rs.58.40 |
SCORE & RATING
EXPLANATIONS
|
SCORE FACTORS |
RANGE |
POINTS |
|
HISTORY |
1~10 |
5 |
|
PAID-UP CAPITAL |
1~10 |
5 |
|
OPERATING SCALE |
1~10 |
5 |
|
FINANCIAL CONDITION |
|
|
|
--BUSINESS SCALE |
1~10 |
6 |
|
--PROFITABILIRY |
1~10 |
4 |
|
--LIQUIDITY |
1~10 |
5 |
|
--LEVERAGE |
1~10 |
5 |
|
--RESERVES |
1~10 |
5 |
|
--CREDIT LINES |
1~10 |
5 |
|
--MARGINS |
-5~5 |
- |
|
DEMERIT POINTS |
|
|
|
--BANK CHARGES |
YES/NO |
YES |
|
--LITIGATION |
YES/NO |
NO |
|
--OTHER ADVERSE INFORMATION |
YES/NO |
NO |
|
MERIT POINTS |
|
|
|
--SOLE DISTRIBUTORSHIP |
YES/NO |
NO |
|
--EXPORT ACTIVITIES |
YES/NO |
YES |
|
--AFFILIATION |
YES/NO |
NO |
|
--LISTED |
YES/NO |
NO |
|
--OTHER MERIT FACTORS |
YES/NO |
YES |
|
TOTAL |
|
45 |
This score serves as a reference to assess SC’s credit risk
and to set the amount of credit to be extended. It is calculated from a composite
of weighted scores obtained from each of the major sections of this report. The
assessed factors and their relative weights (as indicated through %) are as
follows:
Financial
condition (40%) Ownership
background (20%) Payment
record (10%)
Credit history
(10%) Market trend
(10%) Operational
size (10%)
RATING
EXPLANATIONS
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
>86 |
Aaa |
Possesses an extremely sound financial base with the strongest capability
for timely payment of interest and principal sums |
Unlimited |
|
71-85 |
Aa |
Possesses adequate working capital. No caution needed for credit
transaction. It has above average (strong) capability for payment of interest
and principal sums |
Large |
|
56-70 |
A |
Financial & operational base are regarded healthy. General
unfavourable factors will not cause fatal effect. Satisfactory capability for
payment of interest and principal sums |
Fairly Large |
|
41-55 |
Ba |
Overall operation is considered normal. Capable to meet normal
commitments. |
Satisfactory |
|
26-40 |
B |
Unfavourable & favourable factors carry similar weight in credit
consideration. Capability to overcome financial difficulties seems
comparatively below average/normal. |
Small |
|
11-25 |
Ca |
Adverse factors are apparent. Repayment of interest and principal sums
in default or expected to be in default upon maturity |
Limited with
full security |
|
<10 |
C |
Absolute credit risk exists. Caution needed to be exercised |
Credit not
recommended |
|
NR |
In view of the lack of information, we have no basis upon which to
recommend credit dealings |
No Rating |
|