1. Summary Information

 

 

Country

India

Company Name

DCM HYUNDAI LIMITED

Principal Name 1

Alok Bansidhar Shri

Status

Moderate

Principal Name 2

Arun Kumar

 

 

Registration #

18-032284

Street Address

No 2, (Ground Floor),Shriram Nagar, Prakash Nagar Main Road, Thiruninravur – 602024, Tamil Nadu, India

Established Date

17.07.1995

SIC Code

--

Telephone#

91-44-22350500 / 26414046

Business Style 1

Manufacturer

Fax #

91-44-22353605 / 26414046

Business Style 2

Freight Containers

Homepage

www.dcmsr.com

Product Name 1

Dry Freight Containers

# of employees

250 (Approximately)

Product Name 2

Inland Containers 

Paid up capital

Rs.168,514,900/-

Product Name 3

--

Shareholders

Foreign holdings -37.11%

Bodies corporate – 49.61%

Other top fifty shareholders – 0.91%

Banking

State Bank of India

Public Limited Corp.

No

Business Period

17 Years

IPO

No

International Ins.

-

Public Enterprise

No

Rating

B (28)

Related Company

Relation

Country

Company Name

CEO

Subsidiary :

--

Versa Trading Limited (VTL)

--

Note

-

 

2. Summary Financial Statement

Balance Sheet as of

30.09.2010

(Unit: Indian Rs.)

Assets

Liabilities

Current Assets

177,555,000

Current Liabilities

21,906,000

Inventories

--

Long-term Liabilities

63,373,000

Fixed Assets

71,796,000

Other Liabilities

--

Deferred Assets

--

Total Liabilities

85,279,000

Invest& other Assets

217,152,000

Retained Earnings

212,709,000

 

 

Net Worth

381,224,000

Total Assets

466,503,000

Total Liab. & Equity

466,503,000

 Total Assets

(Previous Year)

482,083,000

 

 

P/L Statement as of

30.09.2010

(Unit: Indian Rs.)

Sales

33,455,000

Net Profit

269,000

Sales(Previous yr)

10,714,000

Net Profit(Prev.yr)

(22,126,000)

 

MIRA INFORM REPORT

 

 

Report Date :

04.04.2012

 

IDENTIFICATION DETAILS

 

Name :

DCM HYUNDAI LIMITED

 

 

Registered Office :

No 2, (Ground Floor),Shriram Nagar, Prakash Nagar Main Road, Thiruninravur – 602024, Tamil Nadu

 

 

Country :

India

 

 

Financials (as on) :

30.09.2010

 

 

Date of Incorporation :

17.07.1995

 

 

Com. Reg. No.:

18-032284

 

 

Capital Investment / Paid-up Capital :

Rs.168.515 Millions

 

 

CIN No.:

[Company Identification No.]

U93090TN1995PLC032284

 

 

Legal Form :

A Closely Held Public Limited Liability Company

 

 

Line of Business :

Manufacturer of Freight Containers including 20 Feet equals unit of dry cargo containers.   

 

 

No. of Employees :

250 (Approximately) (In Office 50 + In factory 200)

 

 

RATING & COMMENTS

 

MIRA’s Rating :

B (28)

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Maximum Credit Limit :

USD 1500000

 

 

Status :

Moderate

 

 

Payment Behaviour :

Slow but correct

 

 

Litigation :

Clear

 

 

Comments :

Subject is an established company having moderate track. Profitability of the company appears to be low. However, trade relations are reported as fair. Business is active. Payments are reported to be slow but correct. 

 

The company can be considered normal for business dealings with some cautions. 

 

NOTES :

Any query related to this report can be made on e-mail : infodept@mirainform.com while quoting report number, name and date.

 

ECGC Country Risk Classification List – September 30, 2011

 

Country Name

Previous Rating

(30.06.2011)

Current Rating

(30.09.2011)

India

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

 

 

 

 

 

 

 

 

 

 

 

LOCATIONS

 

 

Registered Office :

No 2, (Ground Floor),Shriram Nagar, Prakash Nagar Main Road, Thiruninravur – 602024, Tamil Nadu, India

Tel. No.:

91-44-22350500 / 26414046

Fax No.:

91-44-22353605 / 26414046

E-Mail :

dcmhl@dcmsr.com

dcmhl@vsnl.net 

Website :

www.dcmsr.com

Location :

Owned

 

 

Corporate Office :

Akashdeep Building, 5th Floor, 26A, Barakhamba Road, New Delhi – 110001, India

Tel. No.:

91-11-23312267

Fax No.:

91-11-23313494 / 22351916

E-Mail :

dsil@dcmsr.com

 

 

Factory 1 :

104, Pollivakkam Village, Thiruvallur-Sriperumpudur Road, Thiruvallur District, Tamil Nadu, India

Tel. No.:

91-44-22350500

Fax No.:

91-44-22353605

E-Mail :

dcmhl@dcmsr.com

 

 

DIRECTORS

 

As on 22.02.2011

 

Name :

Mr. Alok Bansidhar Shriram

Designation :

Managing director

Address :

27, Sardar Patel Marg, New delhi – 110021, India

Date of Birth/Age :

30.11.1960

Date of Appointment :

29.06.2007

DIN No.:

00203808

 

Other Directorship:

S.No.

CIN

Name of the Company

Current designation of the director

Date of appointment at current designation

Original date of appointment

Date of cessation

Company Status

Defaulting status

1

U31300RJ1988PTC005572

HI-VAC WARES PRIVATE LIMITED

Director

17-10-88

17-10-88

27-09-08

Active

NO

2

L74899DL1989PLC035140

DCM SHRIRAM INDUSTRIES LIMITED

Whole-time director

01-10-08

01-04-92

-

Active

NO

3

U74899DL1993PTC055904

LABELS INTERNATIONAL PRIVATE LIMITED

Director

10-11-93

10-11-93

-

Amalgamated

NO

4

U74899DL1995PTC074988

QUICK LITHOGRAPHERS PRIVATE LIMITED

Director

29-03-99

29-03-99

-

Active

NO

5

U74899DL1995PTC074946

PEE KAY ALKALIES PRIVATE LIMITED

Director

25-03-00

25-03-00

-

Active

NO

6

U93090TN1995PLC032284

DCM HYUNDAI LIMITED

Managing director

29-06-07

29-06-07

-

Active

NO

7

L65999DL1985PLC022321

MC-STITCH LIMITED

Director

31-12-09

06-07-09

-

Active

NO

8

U74899DL1993PTC053180

CONVERTECH EQUIPMENT PRIVATE LIMITED

Additional director

07-12-09

07-12-09

27-09-10

Active

NO

9

U25200DL2010PTC206432

SHRIRAM MIDIVISANA ENGINEERING PRIVATE LIMITED

Director

29-07-10

29-07-10

-

Active

NO

10

U74899DL1951GAP001947

PHD CHAMBER OF COMMERCE AND INDUSTRY

Director

24-12-10

24-12-10

-

Active

NO

 

Name :

Mr. Arun Kumar

Designation :

Director

Address :

A-71, Hilltop Apartments, Freedom Fighters Enclave, New Delhi – 110068, India

Date of Birth/Age :

17.05.1946

Date of Appointment :

14.06.2005

DIN No.:

00203871

 

Other directorship:

S.No.

CIN

Name of the Company

Current designation of the director

Date of appointment at current designation

Original date of appointment

Date of cessation

Company Status

Defaulting status

1

U65910DL1991PLC045296

VERSA TRADING LIMITED

Director

30-03-01

30-03-01

-

Active

NO

2

U93090TN1995PLC032284

DCM HYUNDAI LIMITED

Director

14-06-05

14-06-05

-

Active

NO

 

Name :

Mr. Surinder Kumar Arora

Designation :

Whole-time director

Address :

House no.777, Sector – 17, Faridabad – 121002, Haryana, India 

Date of Birth/Age :

03.10.1941

Date of Appointment :

22.11.2008

DIN No.:

02407443

 

Other Directorship:

S.No.

CIN

Name of the Company

Current designation of the director

Date of appointment at current designation

Original date of appointment

Date of cessation

Company Status

Defaulting status

1

U93090TN1995PLC032284

DCM HYUNDAI LIMITED

Whole-time director

01-12-10

22-11-08

-

Active

NO

2

U25200DL2010PTC206432

SHRIRAM MIDIVISANA ENGINEERING PRIVATE LIMITED

Director

29-07-10

29-07-10

-

Active

NO

 

Name :

Mr. Subramanian Senthilkumar

Designation :

Nominee director

Address :

31, Rajapuranicker Steer, vardarjapet, Choolaimedu, Chennai – 600094, Tamil Nadu, India

Date of Birth/Age :

27.07.1968

Date of Appointment :

28.12.2009

DIN No.:

00131558

 

Other Directorship:

S.No.

CIN

Name of the Company

Current designation of the director

Date of appointment at current designation

Original date of appointment

Date of cessation

Company Status

Defaulting status

1

U18102TN1988PLC016294

IWL INDIA LIMITED

Nominee director

30-12-02

30-12-02

10-08-07

Active

NO

2

U18101TN1995PLC032211

KARUR YARNLINKS LIMITED

Director

05-05-04

05-05-04

-

Active

NO

3

U24231TN1995PLC030116

MEDTECH PRODUCTS LIMITED

Director

25-10-04

25-10-04

-

Active

NO

4

U30007TN1996PLC037018

VENTURE LIGHTING INDIA LIMITED

Nominee director

28-10-04

28-10-04

09-04-07

Active

NO

5

L17111TZ1989PLC005902

CHESLIND TEXTILES LIMITED

Nominee director

24-05-05

24-05-05

11-07-08

Active

NO

6

U45209TN2005PLC055563

TAMILNADU INDUSTRIAL PARK (RUBBER) LIMITED

Nominee director

05-10-07

05-10-07

22-07-08

Active

NO

7

U93090TN1995PLC032284

DCM HYUNDAI LIMITED

Nominee director

28-12-09

05-10-07

-

Active

NO

8

U45202TN2004PLC053775

ENNORE SEZ COMPANY LIMITED

Nominee director

09-10-07

09-10-07

-

Active

NO

9

U92490TN1989PLC017491

NAVODAYA MASS ENTERTAINMENTS LIMITED

Nominee director

15-12-07

15-12-07

-

Active

NO

10

U36911TN1987PLC014168

MEPCO INDUSTRIES LIMITED

Director

29-09-08

29-09-08

-

Active

NO

11

U23201TN1991PLC021838

JAYAMKONDAM LIGNITE POWER CORPORATION LIMITED

Director

22-12-08

22-12-08

-

Active

NO

 

 

KEY EXECUTIVES

 

Name :

Ms. Manocha Bharti

Designation :

Secretary

Address :

1-D-100, NIT, Faridabad – 121001, Haryana, India

Date of Birth/Age :

15.08.1986

Date of Appointment :

14.06.2010

PAN No.:

AYQPM6413R

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

As on 22.02.2011

 

Details of Equity Shares Shareholders are Not Available

 

Preference Shares

 

Names of Shareholders

 

No. of Preference Shares

 

 

 

 

 

 

Paharpur Cooling Tower Limited, India

 

400000

Chiranjiv Investment Private Limited, India

 

130000

Apna Ghar Properties Private Limited, India

 

120000

Shivam Enterprises Private Limited, India

 

100000

Ivory Hotels Private Limited, India

 

100000

Kadmini International Private Limited, India

 

50000

Abhinav Singal

 

100000

Vishnu Prasad Bindal (Karta)

 

200000

Vaneeta Gupta and Sahil Nath

 

20000

Sahil Nath and Vaneeta Gupta

 

15000

Ishan Nath and Vaneeta Gupta

 

15000

Naresh Chand (Karta)

 

14000

EPIC (India) Private Limited, India

 

14000

Rakesh Mittal

 

7000

Total

 

1285000

 

As on 22.02.2011

 

Equity Share Break up (Percentage of Total Equity)

 

Category

Percentage

Foreign holdings( Foreign institutional investor(s), Foreign companie(s) Foreign financial institution(s), Non-resident Indian(s) or Overseas Corporate bodies or Others

37.11

Bodies corporate

49.61

Other top fifty shareholders

0.91

Total

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Manufacturer of Freight Containers including 20 Feet equals unit of dry cargo containers.   

 

 

Products :

·         Dry Freight Containers

·         Inland Containers 

 

PRODUCTION STATUS

 

As on 30.09.2008

 

Particulars

Unit

Actual Production

 

 

 

Dry cargo Containers

Nos.

11

Special Containers

Nos.

116

Fabrication

MT

20128

 

 

GENERAL INFORMATION

 

Customers :

·         Aggreko, UK

·         Cummins, Dubai

·         ONGC

·         BHEL

·         L and T

·         Indian Army

 

 

No. of Employees :

250 (Approximately) (In Office 50 + In factory 200)

 

 

Bankers :

State Bank of India, New Delhi Branch, New delhi, India

 

 

Facilities :

Secured Loan

As on

30.09.2010

(Rs. in

Millions)

As on

30.09.2009

(Rs. in

Millions)

 

 

 

From Body Corporate (Including Interest Due)

(Secured by exclusive first charge on movable and immovable assets, both present and future 

63.373

64.103

Total

63.373

64.103

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

Riten Girish and Company

Chartered Accountants

Address :

218,2nd Floor, Aashirvad Complex, D-1,Green Park, New Delhi-110016, India

PAN.:

AABFR9995E

 

 

Investing party in respect of which the company is an Associate :

·         DCM Shriram Industries Limited (DSIL)

·         Daurala Foods and Beverages Private Limited (DFBL)

 

 

Related Parties :

·         Bantam Enterprises Private Limited (BEPL)

 

 

Subsidiary :

·         Versa Trading Limited (VTL)

·         CIN No.: U65910DL1991PLC045296

 

 

CAPITAL STRUCTURE

 

As on 30.09.2010

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

27000000

Equity Shares

Rs.10/- each

Rs.270.000 Millions

1300000

5% Redeemable Convertible Non cumulative Preference Shares  

Rs.100/- each

Rs.130.000 Millions

 

Total

 

Rs.400.000 Millions

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

4001490

Equity Shares

Rs.10/- each

Rs.40.015 Millions

1285000

5% Optionally Convertible Non cumulative Redeemable Preference Shares  

Rs.100/- each

Rs.128.500 Millions

 

Total

 

Rs.168.515 Millions

 

 


 

FINANCIAL DATA

[all figures are in Rupees Millions]

 

ABRIDGED BALANCE SHEET

 

SOURCES OF FUNDS

 

30.09.2010

30.09.2009

30.09.2008

SHAREHOLDERS FUNDS

 

 

 

1] Share Capital

168.515

168.515

168.515

2] Share Application Money

0.000

0.000

0.000

3] Reserves & Surplus

212.709

212.440

234.566

4] (Accumulated Losses)

0.000

0.000

0.000

NETWORTH

381.224

380.955

403.081

LOAN FUNDS

 

 

 

1] Secured Loans

63.373

64.103

69.193

2] Unsecured Loans

0.000

0.000

0.000

TOTAL BORROWING

63.373

64.103

69.193

DEFERRED TAX LIABILITIES

0.000

0.000

0.000

 

 

 

 

TOTAL

444.597

445.058

472.274

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

71.796

73.801

68.654

Capital work-in-progress

30.000

31.175

0.00

 

 

 

 

INVESTMENT

187.152

198.024

224.933

DEFERREX TAX ASSETS

0.000

0.000

0.000

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

0.000

0.000

0.000

 

Sundry Debtors

12.159

1.691

0.125

 

Cash & Bank Balances

3.990

7.347

100.896

 

Other Current Assets

0.000

0.000

0.000

 

Loans & Advances

161.406

170.045

311.557

Total Current Assets

177.555

179.083

412.578

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Sundry Creditors

17.063

36.275

47.961

 

Other Current Liabilities

3.706

0.223

130.980

 

Provisions

1.137

0.527

54.950

Total Current Liabilities

21.906

37.025

233.891

Net Current Assets

155.649

142.058

178.687

 

 

 

 

MISCELLANEOUS EXPENSES

0.000

0.000

0.000

 

 

 

 

TOTAL

444.597

445.058

472.274

 

 

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

30.09.2010

30.09.2009

30.09.2008

 

SALES

 

 

 

 

 

Income

33.455

10.714

58.445

 

 

Other Income

34.687

32.940

14.117

 

 

TOTAL                                     (A)

68.142

43.654

72.562

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Manufacturing and Other Expenses

51.690

43.386

128.582

 

 

TOTAL                                     (B)

51.690

43.386

128.582

 

 

 

 

 

Less

PROFIT BEFORE INTEREST, TAX, DEPRECIATION AND AMORTISATION (A-B)      (C)

16.452

0.268

(56.020)

 

 

 

 

 

Less

FINANCIAL EXPENSES                         (D)

5.985

12.104

18.510

 

 

 

 

 

 

PROFIT BEFORE TAX, DEPRECIATION AND AMORTISATION (C-D)                                       (E)

10.467

(11.836)

(74.530)

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                     (F)

10.651

10.167

40.842

 

 

 

 

 

Add

Exceptional Items 

0.000

0.000

462.131

 

 

 

 

 

 

PROFIT BEFORE TAX (E-F)                               (G)

(0.184)

(22.003)

346.759

 

 

 

 

 

Less

TAX                                                                  (H)

(0.453)

0.123

43.399

 

 

 

 

 

 

PROFIT AFTER TAX (G-H)                                (I)

0.269

(22.126)

303.360

 

 

 

 

 

Add

PREVIOUS YEARS’ BALANCE BROUGHT FORWARD

185.940

208.066

(84.019)

 

 

 

 

 

Less

APPROPRIATIONS

 

 

 

 

Preference Dividend 

0.000

0.000

9.637

 

Dividend Distribution  Tax

0.000

0.000

1.638

 

BALANCE CARRIED TO THE B/S

186.209

185.940

208.066

 

 

 

 

 

 

TOTAL EARNINGS

NA

0.000

6.130

 

 

 

 

 

 

IMPORTS

 

 

 

 

 

Raw Materials

NA

0.000

2.784

 

 

Stores & Spares

NA

0.000

0.442

 

TOTAL IMPORTS

NA

0.000

3.226

 

 

 

 

 

 

Earnings Per Share (Rs.)

0.07

(5.53)

72.99

 

 

 

KEY RATIOS

 

PARTICULARS

 

 

30.09.2010

30.09.2009

30.09.2008

PAT / Total Income

(%)

0.39

(50.68)

418.07

 

 

 

 

 

Net Profit Margin

(PBT/Sales)

(%)

(0.55)

(205.37)

593.31

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

(0.07)

(8.70)

72.06

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

0.00

(0.06)

0.86

 

 

 

 

 

Debt Equity Ratio

(Total Liability/Networth)

 

0.22

0.27

0.75

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

8.11

4.84

1.76

 

 

 

LOCAL AGENCY FURTHER INFORMATION

 

 

Financial Results:

 

During the year the company has a total income of Rs.68.100 Millions against Rs.43.700 Millions last year. There was a net profit of Rs.0.300 Millions against a net loss of Rs.22.000 Millions in the previous year. Un view of inadequate profit the Board of Directors has not recommended any dividend.

  

Operations:

 

The marine Freight Container market continues to be uninspiring. The company had obtained some orders for special containers bunk houses. The arrangement with the lessee, to whom the Plant and machinery were leased out as an economy measures, continued satisfactory dueling the year. The orders procured by the company were executed by the lessee. Efforts are on to increases the volume of work so that the operations reach sustainable levels.

 

Contingent Liability:

(Rs. In Millions)

Particulars

30.09.2010

30.09.2009

 

 

 

Claims against the company not acknowledged as debts:

 

 

Property Tax

0.000

2.297

Sales Tax Matters

0.222

0.222

Excise Matters

2.548

2.671

Provided Fund

4.132

4.132

Labour Demands 

14.900

14.900

 

Bankers Charges Report as per Registry

 

Corporate identity number of the company

U93090TN1995PLC032284

Name of the company

DCM HYUNDAI LIMITED

Address of the registered office or of the principal place of  business in India of the company

No 2, (Ground Floor),Shriram Nagar, Prakash Nagar Main Road, Thiruninravur – 602024, Tamil Nadu, India

E-mail : dcmhl@vsnl.net

This form is for

Creation of charge

Type of charge

Immovable property

Movable property (not being pledge)

Particular of charge holder

DCM Shriram Industries Limited, Kanchenjunga Building, 18, Barakhamba Road, New Delhi – 110001, India

E-Mail : dsil@dcmsr.com

Nature of instrument creating charge

Loan Agreement

Date of instrument Creating the charge

03.08.2009

Amount secured by the charge

Rs.63.300 Millions

Brief of the principal terms an conditions and extent and operation of the charge

Rate of Interest

As agreed between the parties.

 

Terms of Repayment

As agreed between the parties.

 

Margin

As agreed by DCM Shriram Industries.

 

Extent and Operation of the charge

1st exclusive charge on the existing leased assets of the company located at Faridabad or on future fixed assets acquired.

Short particulars of the property or asset(s) charged (including complete address and location of the property)

1st exclusive charge on the existing leased assets of the company located at Faridabad or on future fixed assets acquired.

 

Fixed Assets:

 

·         Plant and Machinery

·         Electrical Installations

·         Office Equipments

·         Furniture

·         Vehicle   

 


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.50.56

UK Pound

1

Rs.81.05

Euro

1

Rs.67.48

 


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

4

PAID-UP CAPITAL

1~10

4

OPERATING SCALE

1~10

3

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

3

--PROFITABILIRY

1~10

2

--LIQUIDITY

1~10

3

--LEVERAGE

1~10

3

--RESERVES

1~10

4

--CREDIT LINES

1~10

2

--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

YES

--LISTED

YES/NO

NO

--OTHER MERIT FACTORS

YES/NO

YES

TOTAL

 

28

 

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

Capability to overcome financial difficulties seems comparatively below average.

 

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

-

NB

                                       New Business

-

 

 

 

PRIVATE & CONFIDENTIAL : This information is provided to you at your request, you having employed MIPL for such purpose. You will use the information as aid only in determining the propriety of giving credit and generally as an aid to your business and for no other purpose. You will hold the information in strict confidence, and shall not reveal it or make it known to the subject persons, firms or corporations or to any other. MIPL does not warrant the correctness of the information as you hold it free of any liability whatsoever. You will be liable to and indemnify MIPL for any loss, damage or expense, occasioned by your breach or non observance of any one, or more of these conditions

This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.