MIRA INFORM REPORT

 

 

Report Date :

04.04.2012

 

IDENTIFICATION DETAILS

 

Name :

HEMATIC MOTORS PRIVATE LIMITED

 

 

Registered Office :

Plot No. B – 67, 68, MIDC Karad Industrial Area, Tasawade, Karad – 415109, Maharashtra

 

 

Country :

India

 

 

Financials (as on) :

31.03.2011

 

 

Date of Incorporation :

03.12.1973

 

 

Com. Reg. No.:

017045

 

 

Capital Investment / Paid-up Capital :

Rs.2.936 Millions

 

 

CIN No.:

[Company Identification No.]

U99999MH1973PTC017045

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

PNEH04450F

 

 

PAN No.:

[Permanent Account No.]

AAACH6643M

 

 

Legal Form :

Private Limited Liability Company

 

 

Line of Business :

Manufacturer and Supplier Hermetic Motors

 

 

No. of Employees :

Not Available

 

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba (48)

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

Satisfactory

 

Maximum Credit Limit :

USD 514548

 

 

Status :

Satisfactory

 

 

Payment Behaviour :

Usually Correct

 

 

Litigation :

Clear

 

 

Comments :

Subject is a well established company having satisfactory track. Trade relations are reported as fair. Business is active. Payments are reported to be usually correct and as per commitments.

 

 

The company can be considered for business dealings at usual trade terms and conditions.

 

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 Officeato :

Plot No. B – 67, 68, MIDC Karad Industrial Area, Tasawade, Karad – 415109, Maharashtra, India

Tel. No.:

91-2164-258426/7/8/9

Fax No.:

91-2164-258425

E-Mail :

gunehs@hematicindia.com

Website :

www.hematicindia.com

 

 

DIRECTORS

 

AS ON 09.06.2011

 

Name :

Mr. Hemchandra Sharaschandra Gune

Designation :

Managing Director

Address :

R S 396/1, Plot No.4, Market Road, Karad – 415002, Maharashtra, India

Date of Birth/Age :

23.03.1946

Date of Appointment :

04.03.1989

 

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

U31103MH1982PTC028913

QUADROMATIC ENGINEERING PRIVATE LIMITED

Director

13/09/1984

13/09/1984

-

Amalgamated

NO

2

U99999MH1973PTC017045

HEMATIC MOTORS PRIVATE LIMITED

Managing director

01/04/2010

04/03/1989

-

Active

NO

3

U31200MP1985PTC003063

VAKASA ELECTRICALS PRIVATE LIMITED

Director

21/05/1996

21/05/1996

30/06/2011

Active

NO

4

U31101MP1986PTC003425

MORESHWAR ELECTRICALS PRIVATE LIMITED

Director

21/05/1996

21/05/1996

20/09/2011

Active

NO

5

U25200MP1980PTC001656

NOVA PET PRIVATE LIMITED

Director

21/05/1996

21/05/1996

13/04/2011

Active

NO

6

U28910MH1980PTC023656

PRESSMATIC ELECTROSTAMPINGS PRIVATE LIMITED

Director

20/03/1997

20/03/1997

23/08/2010

Amalgamated

NO

7

U51500PN1997PLC133148

KRAFT SALES AND SERVICES (INDIA) LIMITED

Director

30/12/2003

30/12/2003

02/09/2010

Active

NO

8

U29120PN2010PTC138093

Niksan Pumps India Private Limited

Director

23/12/2010

23/12/2010

23/12/2010

Active

NO

 

 

Name :

Mr. Aseem Srivastav

Designation :

Director

Address :

IPF 16/2 Shalimar Towership, A B Road, Indore – 452010, Madhya Pradesh, India

Date of Birth/Age :

07.10.1967

Date of Appointment :

23.08.2010

 

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

U31103MH1982PTC028913

QUADROMATIC ENGINEERING PRIVATE LIMITED

Director

07/04/2011

23/08/2010

-

Amalgamated

NO

2

U99999MH1973PTC017045

HEMATIC MOTORS PRIVATE LIMITED

Director

09/06/2011

23/08/2010

09/03/2012

Active

NO

 

 

Name :

Mr. Umesh Ramaswamy Shastry

Designation :

Director

Address :

E-302, Isha Gardens, S No. 58/1/2/3, Kumar Parisar, Kothrud, Pune – 411038, Maharashtra, India

Date of Birth/Age :

15.07.1965

Date of Appointment :

23.08.2010

 

Other Directorship:

 

Top of Form

Bottom of Form

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

U99999MH1973PTC017045

HEMATIC MOTORS PRIVATE LIMITED

Director

09/06/2011

23/08/2010

-

Active

NO

2

U31103MH1982PTC028913

QUADROMATIC ENGINEERING PRIVATE LIMITED

Director

07/04/2011

23/08/2010

-

Amalgamated

NO

 

 

Name :

Mr. Prashant Sharadchandra Vaishampayan

Designation :

Director

Address :

Flat No.16, Forth Floor, Pradnya Bhushan – B building, Pradnya Park, Kothrud, Pune – 411038, Maharashtra, India

Date of Birth/Age :

09.12.1968

Date of Appointment :

06.05.2011

 

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

U28910MH1980PTC023656

PRESSMATIC ELECTROSTAMPINGS PRIVATE LIMITED

Director

07/04/2011

23/08/2010

-

Amalgamated

NO

2

U99999MH1973PTC017045

HEMATIC MOTORS PRIVATE LIMITED

Director

09/06/2011

06/05/2011

-

Active

NO

 

 

Name :

Mr. Mukund Madhavrao Naik

Designation :

Director

Address :

F No. 3 Kshitij Apartment, R No. 22, 4/6/1, Sushant Nagar, Karad – 415110, Maharashtra, India

Date of Birth/Age :

22.08.1957

Date of Appointment :

06.05.2011

 

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

U99999MH1973PTC017045

HEMATIC MOTORS PRIVATE LIMITED

Director

09/06/2011

06/05/2011

-

Active

NO

 

Name :

Mr. Ravindra Dinkar Chaudhri

Designation :

Director

Address :

D4-401, Shivsagar Apartments, SR No.18/6A/6B, Manik Baug, Sinhhagad Road, Pune – 411016, Maharashtra, India

Date of Birth/Age :

19.02.1957

Date of Appointment :

06.05.2011

 

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

U99999MH1973PTC017045

HEMATIC MOTORS PRIVATE LIMITED

Director

09/06/2011

06/05/2011

-

Active

NO

 

Name :

Mr. Gopalkrishna Madanlal Maheshwari 

Designation :

Director

Address :

H 304, Shalimar Towership, A B Road, Indore – 452010, Madhya Pradesh, India

Date of Birth/Age :

13.06.1949

Date of Appointment :

27.12.2010

Date of Ceasing:

06.05.2011

 

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

U99999MH1973PTC017045

HEMATIC MOTORS PRIVATE LIMITED

Additional director

27/12/2010

27/12/2010

06/05/2011

Active

NO

 

 

Name :

Ms. Suman Chandrakant Kirloskar

Designation :

Director

Address :

Lakaki Compound, Shivaji Nagar, Model Colony, Pune – 411007, Maharashtra, India

Date of Birth/Age :

22.04.1935

Date of Appointment :

03.12.1973

Date of Ceasing:

23.08.2010

 

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

U99999MH1973PTC017045

HEMATIC MOTORS PRIVATE LIMITED

Director

03/12/1973

03/12/1973

23/08/2010

Active

NO

2

U15136MH1965PLC013242

MAHILA UDYOG LIMITED

Director

31/08/1978

31/08/1978

-

Active

NO

3

L35911PN1945PLC004656

Bajaj Holdings & Investment Limited.

Director

23/10/2002

23/10/2002

20/02/2008

Active

NO

4

L65993PN2007PLC130076

BAJAJ AUTO LIMITED.

Director

10/07/2008

30/01/2008

-

Active

NO

 

 

Name :

Ms. Aruna Prabhakar Gune

Designation :

Director

Address :

Karishma 138, National Coop Soc Baner Road, Aundh, Pune – 411007, Maharashtra, India

Date of Birth/Age :

12.01.1930

Date of Appointment :

03.12.1973

Date of Ceasing:

23.08.2010

 

Other Directorship:

 

Top of Form

Bottom of Form

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

U15136MH1965PLC013242

MAHILA UDYOG LIMITED

Director

31/08/1972

31/08/1972

-

Active

NO

2

U99999MH1973PTC017045

HEMATIC MOTORS PRIVATE LIMITED

Director

03/12/1973

03/12/1973

23/08/2010

Active

NO

3

U27310KA1978PTC003416

A K P FOUNDRIES PRIVATE LIMITED

Director

16/12/1984

16/12/1984

-

Active

NO

 

 

Name :

Mr. Shukla Niteen Pradhan

Designation :

Director

Address :

A/4, Rose Blossom, Sitladevi Temple Road, Mahim, Mumbai – 400016, Maharashtra, India

Date of Birth/Age :

13.11.1953

Date of Appointment :

09.03.1981

Date of Ceasing:

23.08.2010

 

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

U99999MH1973PTC017045

HEMATIC MOTORS PRIVATE LIMITED

Director

09/03/1981

09/03/1981

23/08/2010

Active

NO

2

U51900MH2000PTC125666

SHEEL TRADING PRIVATE LIMITED

Director

07/04/2000

07/04/2000

-

Active

NO

3

U63090MH2010PTC211430

SEE WORLD VOYAGER PRIVATE LIMITED

Director

27/12/2010

27/12/2010

-

Active

NO

 

Name :

Ms. Jayshree Dinesh Kumar

Designation :

Director

Address :

21/17th Cross Road, Malleshram, Bangalore – 560005, Karnataka, India

Date of Birth/Age :

20.01.1944

Date of Appointment :

09.08.1980

Date of Ceasing:

23.08.2010

 

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

U99999MH1973PTC017045

HEMATIC MOTORS PRIVATE LIMITED

Director

09/08/1980

09/08/1980

23/08/2010

Active

NO

 

 

Name :

Ms. Sunetra Prakash Summanwar

Designation :

Director

Address :

D-3, Flat No.11, Shirine Garden Anudh, Pune – 411007, Maharashtra, India

Date of Birth/Age :

01.03.1955

Date of Appointment :

22.03.2002

Date of Ceasing:

23.08.2010

 

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

U33111KA1982PTC004610

TOOL HOLDERS PRIVATE LIMITED

Director

16/03/1982

16/03/1982

23/03/2008

Active

NO

2

U99999MH1973PTC017045

HEMATIC MOTORS PRIVATE LIMITED

Director

22/03/2002

22/03/2002

23/08/2010

Active

NO

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

AS ON 09.06.2011

 

Names of Shareholders

 

No. of Shares

Kirloskar Brothers Limited, Pune

 

29352

Kirloskar Brothers Limited and Sanjay C Kirloskar

 

1

Kirloskar Brothers Limited and Jayant R Sapre

 

1

Kirloskar Brothers Limited and R K Srivastava

 

1

Kirloskar Brothers Limited and G P Kulkarni

 

1

Kirloskar Brothers Limited and Alok Kirloskar

 

1

Kirloskar Brothers Limited and Gurunath Palekar

 

1

Total

 

29358

 

AS ON 09.06.2011

 

Category

Percentage

Directors or relatives of Directors

100.00

Total

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Manufacturer and Supplier Hermetic Motors

 

 

GENERAL INFORMATION

 

No. of Employees :

Not Available

 

 

Bankers :

HDFC Bank Limited, HDFC Bank Housesenapati Bapat Marg, Lower Parel W, Mumbai - 400013, Maharashtra, India

 

 

Facilities :

 

SECURED LOAN

 

Rs. In Millions

31.03.2011

Rs. In Millions

31.03.2010

Rupee term loans banks secured

29.131

0.000

Working capital loans banks secured

2.789

26.376

Working capital loans others secured

16.570

0.000

TOTAL

48.490

26.376

 

Footnotes:

 

(A) Secured by Hypothecation of Machinery and guaranteed by Managing Director and earstwhile Director of Transferor Company

(B) Secured by Hypothecation of Machinery and guaranteed by Managing Director and earstwhile Director of Transferor Company

(C) It consist of: a) CASH CREDIT from the IDBI Bank Limited current year Rs.2.789 Millions.Secured by Hypothecation of Stock of Raw

Material, Consumable Stores, Finished and Semi Finished Goods and guaranteed by Managing Director and earstwhile Director of Transferor Company.

(D) It consist of: a) CASH CREDIT from the IDBI Bank Limited previous year Rs.0.Secured by Hypothecation of Stock of Raw Material, Consumable Stores, Finished and Semi Finished Goods and guaranteed by Managing Director and earstwhile Director of Transferor Company.

(E) It consist of: a) OVER DRAFT from IDBI Bank Limited. current year Rs.9.576 Millions c)OVER DRAFT from HDFC Bank current year Rs.6.993 Millions. Secured against Fixed Deposit.

(F) It consist of: a) OVER DRAFT from IDBI Bank Limited. current year Rs.7.465 Millions c)OVER DRAFT from HDFC Bank current year Rs.18.910 Millions Secured against Fixed Deposit

 

UNSECURED LOAN

 

Rs. In Millions

31.03.2011

Rs. In Millions

31.03.2010

Rupee term loans banks unsecured

142.409

0.000

Working capital loans banks unsecured

13.546

0.000

Deposits related parties unsecured

300.000

0.000

TOTAL

455.955

0.000

 

Footnotes:

 

(A) Short Term Loan from Bank in respect of Bills Discounted and guaranteed by Managing Director and erstwhile director of Transferor Company.

(B) Short Term Loan from Bank in respect of Bills Discounted and guaranteed by Managing Director and erstwhile director of Transferor Company.

(C) Short Term Loan from Bank in respect of Buyer's Credit for Raw Material Purchase.

(D) Short Term Loan from Bank in respect of Buyer's Credit for Raw Material Purchase.

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

P G Bhagwat Registered

Chartered Accountants

Address :

M/S. P G Bhagwat, Suit No. 101-102, 'Orchid' Dr. Pai Marg, Baner, Pune- 411045, Maharashtra, India

 

 

Holding Company :

Kirloskar Brothers Limited, Pune

 

 

Subsidiaries :

·         Ila Electricals Private Limited

·         Vakasa Electricals Private Limited

·         Moreshwar Electricals Private Limited

 

 

CAPITAL STRUCTURE

 

AS ON 09.06.2011

 

Authorised Capital :

No. of Shares

Type

Value

Amount

30000

Equity Shares

Rs.100/- each

Rs.3.000 Millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

29358

Equity Shares

Rs.100/- each

Rs.2.936 Millions

 

 

 

 

 


 

FINANCIAL DATA

[all figures are in Rupees Millions]

 

 

ABRIDGED BALANCE SHEET

 

SOURCES OF FUNDS

 

31.03.2011

31.03.2010

31.03.2009

SHAREHOLDERS FUNDS

 

 

 

1] Share Capital

2.936

2.936

2.936

2] Share Application Money

0.000

0.000

0.000

3] Reserves & Surplus

125.701

182.163

171.563

4] (Accumulated Losses)

0.000

0.000

0.000

NETWORTH

128.637

185.099

174.499

LOAN FUNDS

 

 

 

1] Secured Loans

48.490

26.376

0.723

2] Unsecured Loans

455.955

0.000

0.000

TOTAL BORROWING

504.445

26.376

0.723

DEFERRED TAX LIABILITIES

0.000

0.000

0.000

 

 

 

 

TOTAL

633.082

211.475

175.222

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

129.523

27.416

11.356

Capital work-in-progress

59.610

0.759

7.388

 

 

 

 

INVESTMENT

2.195

2.209

2.209

DEFERREX TAX ASSETS

7.258

(0.514)

0.233

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

277.000

78.917

43.941

 

Sundry Debtors

434.712

146.770

90.687

 

Cash & Bank Balances

68.532

52.179

32.084

 

Other Current Assets

0.408

0.000

0.000

 

Loans & Advances

47.034

26.823

58.403

Total Current Assets

827.686

304.689

225.115

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Sundry Creditors

351.399

108.591

58.559

 

Other Current Liabilities

26.694

2.453

7.348

 

Provisions

15.098

12.039

5.172

Total Current Liabilities

393.191

123.083

71.079

Net Current Assets

434.496

181.605

154.036

 

 

 

 

MISCELLANEOUS EXPENSES

0.000

0.000

0.000

 

 

 

 

TOTAL

633.082

211.475

175.222

 

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

 

31.03.2011

31.03.2010

 

SALES

 

 

 

 

 

TOTAL                                    

 

921.470

364.867

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

TOTAL                                    

 

NA

NA

 

 

 

 

 

 

PROFIT BEFORE TAX

 

54.506

31.267

 

 

 

 

 

Less

TAX                                                                 

 

15.056

10.748

 

 

 

 

 

 

PROFIT AFTER TAX

 

39.450

20.519

 

 

 

 

 

Add

PREVIOUS YEARS’ BALANCE BROUGHT FORWARD

 

68.584

60.482

 

 

 

 

 

 

BALANCE CARRIED TO THE B/S

 

108.034

81.001

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2011

31.03.2010

31.03.2009

PAT / Total Income

(%)

4.28

5.62

NA

 

 

 

 

 

Net Profit Margin

(PBT/Sales)

(%)

NA

NA

NA

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

5.69

9.41

NA

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

0.42

0.17

NA

 

 

 

 

 

Debt Equity Ratio

(Total Liability/Networth)

 

6.98

0.81

0.41

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

2.10

2.47

3.17

 

 

LOCAL AGENCY FURTHER INFORMATION

 

SUBSIDIARY

 

During the year, the Company acquired 100% shareholding of Pressmatic Electrostampings Private Limited and Quadromatic Engineering Private Limited. These wholly owned subsidiary companies were amalgamated with their Company.

 

Subsequent to March 31, 2011, the Company sold its entire shareholding in its other wholly owned subsidiaries viz. Ila Electricals Private Limited, Dewas Vakasa Electricals Private Limited Dewas and Moreshwar Electricals Private Limited. Thereupon, their Company is now not having any subsidiary as on date.

 


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.81.04

Euro

1

Rs.67.48

 


 

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

5

--LEVERAGE

1~10

5

--RESERVES

1~10

5

--CREDIT LINES

1~10

3

--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

 

48

 

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.