MIRA
INFORM REPORT
|
Report Date : |
04.10.2007 |
IDENTIFICATION DETAILS
|
Name : |
MIDWEST GRANITE PRIVATE LIMITED |
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Registered Office : |
6-3-802, Zainab Commercial
Complex, 1st Floor, Ameerpet, |
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Country : |
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Financials (as on) : |
31.03.2006 |
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Date of Incorporation : |
11.12.1981 |
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Com. Reg. No.: |
01-3317 |
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CIN No.: [Company
Identification No.] |
U14102AP1981PTC003317 |
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TAN No.: [Tax
Deduction & Collection Account No.] |
HYDM00321G |
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Legal Form : |
Private Limited Liability Company |
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Line of Business : |
Manufacturers, excavators of quarries, mines, dealers, exporters of all kinds of granites, stones, raw / finished and semi-finished including natural slabs, polished of flamed tiles, panels, monuments that may be directly derived or indirectly derived there from or may be discovered in relation there to. |
RATING & COMMENTS
|
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 896852 |
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Status : |
Good |
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Payment Behaviour : |
Usually correct |
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Litigation : |
Clear |
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Comments : |
Subject is a well-established company having fine trade. Directors are reported as experienced, respectable and resourceful industrialists. Their trade relations are fair. Financial position is good. Payments are correct and as per commitments. The concern can be considered good for normal business dealings at usual trade terms and conditions. |
LOCATIONS
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Registered Office : |
6-3-802, Zainab Commercial
Complex, 1st Floor, Ameerpet, |
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Tel. No.: |
91-40-23305193-95 |
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Fax No.: |
91-40-23371961/23305167/23371196 |
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Email: |
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Websitess: |
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Area : |
29000 sq. ft. |
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Location : |
Owned |
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Headquarters:
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Midwest
Granite Private Limited 8-2-696/697, |
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Tel. No.: |
91-40-23305193/94/95 |
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Fax No.: |
91-40-23305167/61 |
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Email: |
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Factory 1 : |
Patancheru, Andhra Pradesh |
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Branches : |
·
White Granite quarry at Jalampaly, Vizag Dist. Andhra Pradesh. ·
Marble quarry at Sidhavatam, Kadapa Dist., ·
Marble quarry at Umpavally, Koraput Dist., ·
Yellow Granite quarry at Palghot, ·
Yellow Granite quarry at Bolangir, ·
Midwest Granite & Marble Cyber Solutions Int’l Inc. 2777
Finely Rd., ·
Tel No.: 91-630-7921440 ·
Fax No.: 91-630-7929588 ·
·
Tel No.: 91-630-5211900 ·
Fax No.: 91-630-5211999 |
DIRECTORS
|
Name : |
Mr. Aja Babu |
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Designation : |
Director |
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Address: |
Flat No. 304 Sai Surabhi Awas apartment, Madhunagar
colony, |
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Date of Birth/Age : |
7.04.1946 |
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Date of Appointment: |
15.12.1997 |
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Name : |
Mr. V. Prabhakar Rao |
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Designation : |
Director |
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Address: |
G-III Surya Kiran Apartments Srinivas colony (East), S R Nagar Hyderabad-500 038 |
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Date of Birth/Age : |
14.08.1948 |
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Date of Appointment: |
25.01.1983 |
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Name : |
Mr. Gorre. Sadasiva Reddy |
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Designation : |
Director |
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Address: |
D No.
6-2-20/A-4/11/A, Sringar colony Behind NG college, |
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Date of Birth/Age : |
6.01.1969 |
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Date of Appointment: |
18.02.2002 |
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Name : |
Mr. Kollareddy Ramachandra |
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Designation : |
Additional Director |
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Address: |
LA |
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Date of Birth/Age : |
29.08.1980 |
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Date of Appointment : |
01.04.2004 |
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Tel. No.: |
91-40-23305193/94/95 |
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Mobile No.: |
91- 98480 22700 |
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Name : |
Mr. K. Soumya |
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Designation : |
Additional Director |
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Address: |
Flat No. 401, Padmaja courts, |
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Date of Birth/Age : |
20.08.1982 |
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Date of Appointment: |
01.04.2004 |
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Name : |
Mr. Nadipineni Thirupathi Rao |
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Designation : |
Director |
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Address: |
Plot No. 101, Sagar society, Road No. 2 Banzara hills, |
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Date of Birth/Age : |
01.02.1953 |
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Date of Appointment: |
01.04.2004 |
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Name : |
Mr. Ravindra Reddy |
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Designation : |
Director |
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Address: |
Flat No. 104, Aditya Apartmrnts, Kukatpally, |
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Date of Appointment: |
15.12.2004 |
KEY EXECUTIVES
|
Name : |
Mr. Kollareddy Raghava Reddy |
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Designation : |
Chairman |
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Address: |
LA |
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Date of Birth/Age : |
24.04.1953 |
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Date of Appointment: |
17.12.1981 |
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Name : |
Mr. P Konda Reddy |
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Designation : |
Secretary |
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Address : |
Flat No. 204, Datta Sai Apartments, 8-3-229/A/1and 2, Yousufgudas
Check post, Hyderabad – 500 045 |
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91-9849271460 |
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E Mail: |
MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN
|
Names of Shareholders |
|
No. of Shares |
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Mr. V. V. Nagireddy |
|
7000 |
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Mr. G. Ravindra Reddy |
|
7000 |
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Mr. K. V. Ramakrishna Reddy |
|
7000 |
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Mr. K. Raghava Reddy |
|
65000 |
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Mr. Aja Babu |
|
7000 |
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Mr. V. Prabhakar Rao |
|
7000 |
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Total
|
100000 |
Equity share break up (percentage of total equity):
|
Sr. No. |
Category |
Percentage |
|
1 |
Director or relative of directors |
93.00 |
|
2 |
Others |
7.00 |
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|
Total |
100.00 |
BUSINESS DETAILS
|
Line of Business : |
Manufacturers, excavators of quarries, mines, dealers, exporters of all kinds of granites, stones, raw / finished and semi-finished including natural slabs, polished of flamed tiles, panels, monuments that may be directly derived or indirectly derived there from or may be discovered in relation there to. |
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Products : |
Granite stones, Slabs, Tiles and Monuments 1. Calibrated Tiles |
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Terms : |
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Selling : |
L/C, Cash, Credit (30 days) |
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Purchasing : |
L/C, Cash, Credit (30 days) |
GENERAL INFORMATION
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Bankers : |
·
State Bank of Address: Overseas Branch 6-3-652-Kautilya, Somajiguda, Swift: SBHYINBBA003 Tel No. 91-40-23312576 Fax No. 91-40-23312576 · Axis Bank Limited Swift: UTIBINBBA008 Tel No.: 91-40-23405182 Fax No: 91-40-2340518 |
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Banking
Relations : |
Satisfactory |
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Auditors : |
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Name : |
M. R. Devineni and Company Chartered Accountants |
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Address : |
109, Metro residency, 6-3-1247, |
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Associates/Subsidiaries : |
·
Reliance Granite
Private Limited ·
Victorian Granites
Private Limited · East Coast Granites Private Limited ·
·
·
Opus labs Private limited ·
·
Block Makers Enterprises ·
Reliance Diamond Tools Private Limited ·
CIN of subsidiary: U72200AP1996PTC023056 Name
of subsidiary company: Opusasia Technologies Private Limited ·
CIN of subsidiary: U01410KA1990PLC11396 Name
of subsidiary company: Nova Granites
( ·
CIN of subsidiary: U14102AP2001PTC037947 Name
of subsidiary company: Ongole Mineral
Exports Private Limited |
CAPITAL STRUCTURE
Authorised Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
200000 |
Equity shares |
Rs. 100/- each |
Rs. 20.000 millions |
Issued, Subscribed & Paid-up Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
100000 |
Equity shares |
Rs. 100/-
each |
Rs. 10.000
millions |
FINANCIAL DATA
[all figures are
in Rupees Millions]
ABRIDGED BALANCE
SHEET
|
SOURCES OF FUNDS |
31.03.2006 |
31.03.2005 |
31.03.2004 |
|
|
SHAREHOLDERS FUNDS |
|
|
|
|
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1] Share Capital |
10.000 |
10.000 |
10.000 |
|
|
2] Share Application Money |
0.000 |
0.000 |
0.000 |
|
|
3] Reserves & Surplus |
214.213 |
202.463 |
178.561 |
|
|
4] (Accumulated Losses) |
0.000 |
0.000 |
0.000 |
|
|
NETWORTH |
224.213 |
212.463 |
188.561 |
|
|
LOAN FUNDS |
|
|
|
|
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1] Secured Loans |
61.199 |
79.682 |
99.162 |
|
|
2] Unsecured Loans |
28.686 |
33.228 |
35.695 |
|
|
TOTAL BORROWING |
89.885 |
112.910 |
134.857 |
|
|
DEFERRED TAX LIABILITIES |
6.538 |
8.207 |
7.945 |
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|
|
|
|
|
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TOTAL |
320.636 |
333.580 |
331.363 |
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|
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|
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APPLICATION OF FUNDS |
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|
|
|
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FIXED ASSETS [Net Block] |
117.821 |
117.708 |
106.599 |
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Capital work-in-progress |
1.398 |
10.667 |
2.890 |
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INVESTMENT |
54.444 |
45.467 |
22.915 |
|
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DEFERREX TAX ASSETS |
0.000 |
0.000 |
0.000 |
|
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CURRENT ASSETS, LOANS & ADVANCES |
|
|
|
|
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Inventories |
38.736
|
20.082 |
27.449 |
|
|
Sundry Debtors |
100.477
|
104.374 |
107.712 |
|
|
Cash & Bank Balances |
8.071
|
5.001 |
14.747 |
|
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Other Current Assets |
0.146
|
0.061 |
0.929 |
|
|
Loans & Advances |
103.431
|
118.145 |
146.333 |
|
Total
Current Assets |
250.861
|
247.663 |
297.170 |
|
|
Less : CURRENT
LIABILITIES & PROVISIONS |
|
|
|
|
|
|
Current Liabilities |
97.185
|
85.793 |
98.211 |
|
|
Provisions |
6.703
|
2.132 |
0.000 |
|
Total
Current Liabilities |
103.888
|
87.925 |
98.211 |
|
|
Net Current Assets |
146.973
|
159.738 |
198.959 |
|
|
|
|
|
|
|
|
MISCELLANEOUS EXPENSES |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
320.636 |
333.580 |
331.363 |
|
PROFIT & LOSS
ACCOUNT
|
PARTICULARS |
31.03.2006 |
31.03.2005 |
31.03.2004 |
|
|
Sales Turnover |
269.327 |
339.787 |
363.074 |
|
|
Other Income |
10.558 |
9.456 |
2.650 |
|
|
Total Income |
279.885 |
349.243 |
365.724 |
|
|
|
|
|
|
|
|
Profit/(Loss) Before Tax |
19.666 |
39.118 |
34.912 |
|
|
Provision for Taxation |
7.916 |
15.217 |
8.178 |
|
|
Profit/(Loss) After Tax |
11.750 |
23.901 |
26.734 |
|
|
|
|
|
|
|
|
FOB Value of Exports |
165.723 |
194.992 |
215.453 |
|
|
|
|
|
|
|
|
CIF Value of Imports |
18.605 |
20.724 |
247.778 |
|
|
|
|
|
|
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Expenditures : |
|
|
|
|
|
|
Manufacturing Expenses |
0.000 |
0.000 |
93.914 |
|
|
Trade purchases |
0.000 |
0.000 |
107.357 |
|
|
Salaries, Wages and Other allowances |
0.000 |
0.000 |
21.248 |
|
|
Other expenses |
0.000 |
0.000 |
85.088 |
|
|
Finance Charges |
5.252 |
7.456 |
6.629 |
|
|
Depreciation |
18.726 |
15.877 |
15.990 |
|
|
Decrease in Stocks |
0.000 |
0.000 |
0.000 |
|
|
Other Expenditure |
212.263 |
263.459 |
0.000 |
|
Total Expenditure |
236.241 |
286.792 |
330.226 |
|
KEY RATIOS
|
PARTICULARS |
|
31.03.2006 |
31.03.2005 |
31.03.2004 |
|
PAT / Total Income |
(%) |
4.19
|
6.84 |
7.30 |
|
|
|
|
|
|
|
Net Profit Margin (PBT/Sales) |
(%) |
7.30
|
11.51 |
9.61 |
|
|
|
|
|
|
|
Return on Total Assets (PBT/Total Assets} |
(%) |
5.31
|
10.40 |
8.58 |
|
|
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|
|
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|
Return on Investment (ROI) (PBT/Networth) |
|
0.08
|
0.18 |
0.18 |
|
|
|
|
|
|
|
Debt Equity Ratio (Total Liability/Networth) |
|
0.86
|
0.94 |
1.23 |
|
|
|
|
|
|
|
Current Ratio (Current Asset/Current Liability) |
|
2.41
|
2.81 |
3.02 |
LOCAL AGENCY FURTHER INFORMATION
|
Corporation identity number or foreign company registrations number of
the company |
U14102AP1981PTC003317 |
|
Name of the company |
MIDWEST GRANITE PRIVATE LIMITED |
|
Address |
6-3-802, Zainab Commercial
Complex, 1st Floor, Ameerpet, |
|
This Form is for |
Modification of charge |
|
Type of Charges |
· Immovable property · Book debts · Movable property |
|
Particular of the charge holder
|
State bank of Address: overseas branch,
6-3-652-“kautilya” somajiguda, |
|
Nature or description of the instrument creating charge |
· Supplemental agreement of loan for increase in the overall limit · Supplemental agreement of hypothecation of goods and assets for increase in the overall limits · Letter regarding the grant of individual limits within the overall limit · Memorandum of deposit of title Deeds · Copy of sanction letter · Copy of Board resolution |
|
Date of the instrument creating charge |
12.06.2007 |
|
Amount Secure by the charge |
Rs. 102.500 millions |
|
Brief of the principal terms and conditions and extent and operation
of the charge |
Rate of interest: Interest at 15.5% on cash credit (hypothecation) limit of Rs. 7.500
millions and 9.75% on Cash Credit
(EPC) lit of Rs. 27.500 millions Terms of repayment: The working capital limits are repayable on demand Margin · 25% on imported raw material, stock in process, store and spares, finished goods and foreign/inland documents of title goods · 50% on book debt6s (90 Days) Extent and operation of the charge: The charge operates as a first charge on the current assets, fixed assets
and immovable property of the company as mentioned in memorandum of deposit
of title deeds. |
|
Short particular of the property charged (including the location of
the property) |
1st charge on current assets of the company present and
future by way of hypothecation of raw materials, stock in process, finished
goods, consumable spares, book debts and receivables Buy collateral 1) E M
odf a) Industrial land and structure located in Plot 44C admeasuring 3413.70
sq.yds in Sy. No. 457 part and 461 of IDA, Patancheru Phase V, Medak district
ii) A Flat in First Floor bearing No. 6-3-802 in Zinab Commercial complex,
Amerrpeet, Hyderabad admeasuring 2821 sq.fts 2) 1st charge on
fixed assets of the company |
|
Particulars of the present modification |
Existing limits of Rs. 61.000 millions
increased to Rs. 102.500 millions. The Limits consisting of 1) Cash credit
(hypothecation) Rs. 7.500 millions 2) CC (EPC) Rs. 27.500 millions3)
FUBD/FDBP Rs. 30.000 millions with Sub Limit of (IUBD) Rs. 10.000 millions 4)
Both way interchangeability to the extent of Rs. 20.000 millions |
|
Name of the
company |
MIDWEST GRANITE PRIVATE LIMITED |
|
Presented
By |
Jointly by UTI
Bank Limited, Begumpet Branch, |
|
1) Date and description
of instrument creating the change |
10.05.2003 CCD-5: Corporate
Loan Agreement CCD-15: Deed of
hypothecation Machinery and other Movable Fixed Assets |
|
2) Amount secured
by the charge/amount owing on the securities of charge |
Rs. 46.000 millions |
|
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 |
Hypothecation on
first Pari passu charge basis, of all the movable plant and machinery, Furniture
and Fixtures, etc both present and future, consisting of equipment,
machinery, computers, furniture etc located at the registered and
administrative offices and work sites and immovable properties. |
|
4) Gist of the
terms and conditions and extent and operation of the charge. |
Interest at 12.75% with monthly rests |
|
5) Name and
Address and description of the person entitled to the charge. |
UTI Bank Limited Address: Begumpet Branch 6-3-879/B, State Bank of Address: Overseas Branch, Somajiguda |
|
Name of the
company |
MIDWEST GRANITE PRIVATE LIMITED |
|
Presented
By |
M\r. |
|
1) Date and
description of instrument creating the change |
Hypothecation deed
dated 02.07.2005 |
|
2) Amount secured
by the charge/amount owing on the securities of charge |
Rs. 4.500
millions |
|
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 |
1 No. Board Long
Year Block Master Drilling Machine Model 2004 |
|
4) Gist of the
terms and conditions and extent and operation of the charge. |
· Loan Period of 3 Years · Loan repayable in 35 equated monthly installments · Flat interest rate of 5.37% per month · Penal interest on delayed installments at 18% p.a · Personal guarantee of Mr. K Raghava Reddy, chairman |
|
5) Name and
Address and description of the person entitled to the charge. |
L and Finance limited Address: 201, 2nd floor, |
FIXED ASSETS:
· Land
· Leasehold land
· Buildings
· Lease hold buildings
· Plant and Machinery
· Mining Equipment
· Computers
· Electrical Installation
· Office Equipment
· Furniture and Fixtures
· Vehicles
· Water Works
Other information:
Group companies:
Nova Granites (
6-3-879/8, 1st Floor, Attibele
Industrial Area,
Attibele – 562 107,
Tel No.91- 80-27820407/8
Fax No.91-80-27820207
CMT REPORT (Corruption, Money Laundering & Terrorism]
The Public Notice information has been collected from various sources
including but not limited to: The Courts,
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.39.49 |
|
|
1 |
Rs.80.41 |
|
Euro |
1 |
Rs.55.76 |
SCORE & RATING EXPLANATIONS
|
SCORE FACTORS |
RANGE |
POINTS |
|
HISTORY |
1~10 |
6 |
|
PAID-UP CAPITAL |
1~10 |
6 |
|
OPERATING SCALE |
1~10 |
6 |
|
FINANCIAL CONDITION |
|
|
|
--BUSINESS SCALE |
1~10 |
6 |
|
--PROFITABILIRY |
1~10 |
6 |
|
--LIQUIDITY |
1~10 |
6 |
|
--LEVERAGE |
1~10 |
6 |
|
--RESERVES |
1~10 |
6 |
|
--CREDIT LINES |
1~10 |
6 |
|
--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 |
NO |
|
--AFFILIATION |
YES/NO |
YES |
|
--LISTED |
YES/NO |
NO |
|
--OTHER MERIT FACTORS |
YES/NO |
YES |
|
TOTAL |
|
54 |
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 |
|