MIRA INFORM REPORT

Report Date :

10.04.2012

IDENTIFICATION DETAILS

Name :	SHREYANS LIFESTYLE PRIVATE LIMITED (w.e.f 10.03.2010)
Formerly Known As :	CHORDIA FASHIONS PRIVATE LIMITED
Registered Office :	Shiv Sagar Estate, Ground Floor, Block – D, Dr Annie Besant Road, Worli, Mumbai – 400018, Maharashtra
Country :	India
Financials (as on) :	31.03.2010
Date of Incorporation :	11.07.2003
Com. Reg. No.:	11-141284
Capital Investment / Paid-up Capital :	Rs.60.000 Millions
CIN No.: [Company Identification No.]	U24246MH2003PTC141284
TAN No.: [Tax Deduction & Collection Account No.]	MUMC11879A
PAN No.: [Permanent Account No.]	AACCC2099J
Legal Form :	Private Limited Liability Company
Line of Business :	Seller of Cloths and Bags Accessories.
No. of Employees :	Not Available

RATING & COMMENTS

MIRA’s Rating :

B (26)

RATING		STATUS	PROPOSED CREDIT LINE
26-40	B	Capability to overcome financial difficulties seems comparatively below average.	Small

Maximum Credit Limit :	USD 230000
Status :	Moderate
Payment Behaviour :	Slow
Litigation :	Clear
Comments :	Subject is an established company having moderate track. There appear some accumulated losses recorded by the company. However, trade relations are reported as fair. Business is active. Payments are reported to slow. The company can be considered 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 :	Shiv Sagar Estate, Ground Floor, Block – D, Dr Annie Besant Road, Worli, Mumbai – 400018, Maharashtra, India
Tel. No.:	Not Available
Fax No.:	Not Available
E-Mail :	aditya.singhi@shreyans.in kanhaiyalal.gupta@shreyans.in ashish.choradia@shreyans.in
Store:	D-Block, Shivsagar Estat, Dr Annie Besant Road, Mumbai 400018, Maharashtra, India

DIRECTORS

As on 30.09.2010

Name :

Mr. Ujjwal Sampat Chordia

Designation :

Director

Address :

Unit No.3, Chancellor Court Chambers, Plot No A/88 Carmichael Road, Mumbai – 400006, Maharashtra, India

Date of Birth/Age :

01.02.1959

Date of Appointment :

03.09.2008

DIN No.:

01651528

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	U70101PN1997PTC108996	SAROVAR PROPERTIES PRIVATE LIMITED	Director	12-01-04	12-01-04	15-12-10	Active	NO
2	U55101PN1982PTC026283	KASTURI HOTELS PRIVATE LIMITED	Director	30-01-04	30-01-04	15-12-10	Active	NO
3	U70101MH1994PTC082293	HAVELI ESTATES PRIVATE LIMITED	Director	04-02-04	04-02-04	15-12-10	Active	NO
4	U55101PN2000PTC015614	RIVERSIDE RESORTS PRIVATE LIMITED	Director	04-02-04	04-02-04	-	Active	NO
5	U55101PN2000PTC015056	PLEASURE RESORTS PRIVATE LIMITED	Director	04-03-04	04-03-04	-	Active	NO
6	U50101PN1997PTC105352	SHREYANS RETAIL PRIVATE LIMITED	Director	05-01-05	05-01-05	-	Amalgamated	NO
7	U34300MH2006PTC165488	EXCLUSIVE CARS PRIVATE LIMITED	Director	10-11-06	10-11-06	-	Active	NO
8	U74110MH2007PTC169335	PRECISION CARS INDIA PRIVATE LIMITED	Director	29-03-07	29-03-07	-	Active	NO
9	U34103MH2007PTC174465	PRECISION MOTOR INDIA PRIVATE LIMITED	Director	25-09-07	25-09-07	-	Active	NO
10	U45400DL2007PTC168763	ART MARINE PRIVATE LIMITED	Director	27-09-07	27-09-07	-	Active	NO
11	U34103MH2007PTC174609	SHREYANS AUTOMOBILES PRIVATE LIMITED	Director	28-09-07	28-09-07	-	Active	NO
12	U67190MH2007PTC177177	SHREYANS ADVISORY PRIVATE LIMITED	Director	31-12-07	31-12-07	-	Active	NO
13	U34103MH2008PTC177649	SHREYANS MOTORS PRIVATE LIMITED	Director	10-01-08	10-01-08	-	Active	NO
14	U51900MH2008PTC184088	ABHIMAN LIFESTYLE PRIVATE LIMITED	Director	27-06-08	27-06-08	-	Active	NO
15	U70102MH2008PTC184087	ABHIMAN REAL ESTATE PRIVATE LIMITED.	Director	27-06-08	27-06-08	-	Active	NO
16	U27300MH2008PTC184643	ABHIMAN METALS PRIVATE LIMITED	Director	14-07-08	14-07-08	-	Active	NO
17	U24246MH2003PTC141284	SHREYANS LIFESTYLE PRIVATE LIMITED	Director	03-09-08	03-09-08	-	Active	NO
18	U40101MH2009PTC195746	ABHIMAN HYDRO PRIVATE LIMITED	Director	14-09-09	14-09-09	-	Active	NO
19	U11200MH2009PTC195745	ABHIMAN BIOFUELS PRIVATE LIMITED	Director	14-09-09	14-09-09	-	Active	NO
20	U90002MH2009PTC195744	ABHIMAN WASTE MANAGEMENT PRIVATE LIMITED	Director	14-09-09	14-09-09	-	Active	NO
21	U51109MH2009PTC195743	ABHIMAN INTERNATIONAL PRIVATE LIMITED	Director	14-09-09	14-09-09	-	Active	NO
22	U50403MH2010PTC204613	AUTOMOBILI ITALIA PRIVATE LIMITED	Director	22-06-10	22-06-10	-	Active	NO
23	U29253DL2010PTC207777	AUTO UNION INTERNATIONAL PRIVATE LIMITED	Director	01-09-10	01-09-10	-	Active	NO

Name :

Mr. Ashish Chordia

Designation :

Director

Address :

Unit No.3, Chancellor Court Chambers, Plot No A/88 Carmichael Road, Mumbai – 400006, Maharashtra, India

Date of Birth/Age :

10.05.1979

Date of Appointment :

11.07.2003

DIN No.:

01678326

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	U63022PN1984PTC031844	DYNAMIC LOGISTICS PRIVATE LIMITED	Director	23-06-03	23-06-03	15-12-10	Active	NO
2	U24246MH2003PTC141284	SHREYANS LIFESTYLE PRIVATE LIMITED	Director	11-07-03	11-07-03	-	Active	NO
3	U55101PN1982PTC026283	KASTURI HOTELS PRIVATE LIMITED	Director	12-09-03	12-09-03	15-12-10	Active	NO
4	U70101PN1997PTC108996	SAROVAR PROPERTIES PRIVATE LIMITED	Director	12-01-04	12-01-04	15-12-10	Active	NO
5	U70101MH1994PTC082293	HAVELI ESTATES PRIVATE LIMITED	Director	04-02-04	04-02-04	15-12-10	Active	NO
6	U55101PN2000PTC015614	RIVERSIDE RESORTS PRIVATE LIMITED	Director	04-02-04	04-02-04	-	Active	NO
7	U55101PN2000PTC015056	PLEASURE RESORTS PRIVATE LIMITED	Director	04-03-04	04-03-04	-	Active	NO
8	U50101PN1997PTC105352	SHREYANS RETAIL PRIVATE LIMITED	Director	05-01-05	05-01-05	-	Amalgamated	NO
9	U52322MH2006PTC159802	FUN FASHION INDIA PRIVATE LIMITED	Director	16-02-06	16-02-06	-	Active	NO
10	U74110MH2007PTC169335	PRECISION CARS INDIA PRIVATE LIMITED	Director	29-03-07	29-03-07	-	Active	NO
11	U34103MH2007PTC174465	PRECISION MOTOR INDIA PRIVATE LIMITED	Director	25-09-07	25-09-07	-	Active	NO
12	U45400DL2007PTC168763	ART MARINE PRIVATE LIMITED	Director	27-09-07	27-09-07	-	Active	NO
13	U34103MH2007PTC174609	SHREYANS AUTOMOBILES PRIVATE LIMITED	Director	28-09-07	28-09-07	-	Active	NO
14	U67190MH2007PTC177177	SHREYANS ADVISORY PRIVATE LIMITED	Director	31-12-07	31-12-07	-	Active	NO
15	U34103MH2008PTC177649	SHREYANS MOTORS PRIVATE LIMITED	Director	10-01-08	10-01-08	-	Active	NO
16	U74140KA2009PTC050853	LUXURY HUES CONSULTANCY SERVICES (INDIA) PRIVATE LIMITED	Director	04-09-09	04-09-09	-	Active	NO
17	U50403MH2010PTC204613	AUTOMOBILI ITALIA PRIVATE LIMITED	Director	22-06-10	22-06-10	-	Active	NO
18	U29253DL2010PTC207777	AUTO UNION INTERNATIONAL PRIVATE LIMITED	Director	01-09-10	01-09-10	-	Active	NO

Name :

Mr. Abhishek Chordia

Designation :

Director

Address :

Unit No.3, Chancellor Court Chambers, Plot No A/88 Carmichael Road, Mumbai – 400006, Maharashtra, India

Date of Birth/Age :

28.07.1982

Date of Appointment :

28.07.2009

DIN No.:

02219284

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	U34300MH2006PTC165488	EXCLUSIVE CARS PRIVATE LIMITED	Director	10-11-06	10-11-06	-	Active	NO
2	U70102MH2008PTC184087	ABHIMAN REAL ESTATE PRIVATE LIMITED.	Director	27-06-08	27-06-08	-	Active	NO
3	U51900MH2008PTC184088	ABHIMAN LIFESTYLE PRIVATE LIMITED	Director	27-06-08	27-06-08	-	Active	NO
4	U27300MH2008PTC184643	ABHIMAN METALS PRIVATE LIMITED	Director	14-07-08	14-07-08	-	Active	NO
5	U24246MH2003PTC141284	SHREYANS LIFESTYLE PRIVATE LIMITED	Additional director	28-07-09	28-07-09	-	Active	NO
6	U40101MH2009PTC195746	ABHIMAN HYDRO PRIVATE LIMITED	Director	14-09-09	14-09-09	-	Active	NO
7	U11200MH2009PTC195745	ABHIMAN BIOFUELS PRIVATE LIMITED	Director	14-09-09	14-09-09	-	Active	NO
8	U90002MH2009PTC195744	ABHIMAN WASTE MANAGEMENT PRIVATE LIMITED	Director	14-09-09	14-09-09	-	Active	NO
9	U51109MH2009PTC195743	ABHIMAN INTERNATIONAL PRIVATE LIMITED	Director	14-09-09	14-09-09	-	Active	NO

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

As on 30.09.2010

Names of Shareholders	No. of Shares
Ashish Chordia	5,433,880
Ujjawal Chordia	98,410
Sampat Chordia	394,840
Anamika Gems	10
S. S. Diamond, India	10
Uttam Gems, India	10
Abhishek Chordia	72,740
Praful Talera	100
TOTAL	6,000,000

Equity Share Break up (Percentage of Total Equity)

As on 30.09.2010

Category	Percentage
Directors or relatives of Directors	100.00
Total	100.00

BUSINESS DETAILS

Line of Business :

Seller of Cloths and Bags Accessories.

GENERAL INFORMATION

No. of Employees :	Not Available
Bankers :	Barclays Bank Plc, 601/603, Ceejay House, Shivsagar Estate, Dr. Annie Besant Road, Worli, Mumbai - 400018, Maharashtra, India

Banking Relations :	--
Auditors :
Name :	Sampat Mehta and Associates Chartered Accountant
Address :	3, Kanpur Mansion, 47, Hughes Road, Mumbai – 400007, Maharashtra, India
PAN.:	AAAFS1266J

CAPITAL STRUCTURE

As on 30.09.2010

Authorised Capital :

No. of Shares	Type	Value	Amount
8000000	Equity Shares	Rs.10/- each	Rs.80.000 Millions

Issued, Subscribed & Paid-up Capital :

No. of Shares	Type	Value	Amount
6000000	Equity Shares	Rs.10/- each	Rs.60.000 Millions

FINANCIAL DATA

[all figures are in Rupees Millions]

ABRIDGED BALANCE SHEET

SOURCES OF FUNDS		31.03.2010	31.03.2009	31.03.2008
SHAREHOLDERS FUNDS
1] Share Capital		60.000	60.000	45.100
2] Share Application Money		0.000	0.000	0.000
3] Reserves & Surplus		0.000	0.000	4.034
4] (Accumulated Losses)		(2.605)	(2.892)	0.000
NETWORTH		57.395	57.108	49.134
LOAN FUNDS
1] Secured Loans		219.232	218.507	195.401
2] Unsecured Loans		638.824	410.447	61.015
TOTAL BORROWING		858.056	628.954	256.416
DEFERRED TAX LIABILITIES		0.000	0.000	0.000
TOTAL		915.451	686.062	305.550
APPLICATION OF FUNDS
FIXED ASSETS [Net Block]		192.869	220.850	237.422
Capital work-in-progress		214.993	196.740	1.178
INVESTMENT		5.604	5.604	11.987
DEFERREX TAX ASSETS		25.198	15.198	0.198
CURRENT ASSETS, LOANS & ADVANCES
	Inventories	241.172	179.702	155.147
	Sundry Debtors	416.527	129.888	30.567
	Cash & Bank Balances	252.745	233.280	91.634
	Other Current Assets	0.000	0.000	0.000
	Loans & Advances	32.669	12.757	39.574
Total Current Assets		943.113	555.627	316.922
Less : CURRENT LIABILITIES & PROVISIONS
	Sundry Creditors	433.770	272.171	225.922
	Other Current Liabilities
	Provisions	32.556	35.786	36.235
Total Current Liabilities		466.326	307.957	262.157
Net Current Assets		476.787	247.670	54.765
MISCELLANEOUS EXPENSES		0.000	0.000	0.000
TOTAL		915.451	686.062	305.550

PROFIT & LOSS ACCOUNT

	PARTICULARS		31.03.2010	31.03.2009	31.03.2008
	SALES
		Income from Sales	484.033	240.898	715.042
		Other Income	16.382	54.889
		TOTAL	500.415	295.787	715.042
Less	EXPENSES
		Office Expenses	500.078	295.581	703.903
		Administrative Expenses
		Advertising Expenses
		TOTAL	500.078	295.581	703.903
	PROFIT/(LOSS) BEFORE TAX		0.337	0.206	11.138
Less	TAX		0.050	7.132	4.960
	PROFIT/(LOSS) AFTER TAX		0.287	(6.926)	6.179
	Earnings Per Share (Rs.)		0.05	(1.15)	1.70

KEY RATIOS

PARTICULARS		31.03.2010	31.03.2009	31.03.2008
PAT / Total Income	(%)	0.06	(2.34)	0.86
Net Profit Margin (PBT/Sales)	(%)	0.07	(0.09)	NA
Return on Total Assets (PBT/Total Assets}	(%)	0.03	0.00	2.01
Return on Investment (ROI) (PBT/Networth)		0.01	0.00	0.23
Debt Equity Ratio (Total Liability/Networth)		23.07	16.41	10.55
Current Ratio (Current Asset/Current Liability)		2.02	1.80	1.21

LOCAL AGENCY FURTHER INFORMATION

Check List by Info Agents	Available in Report (Yes / No)
1) Year of Establishment	Yes
2) Locality of the firm	Yes
3) Constitutions of the firm	Yes
4) Premises details	No
5) Type of Business	Yes
6) Line of Business•	Yes
7) Promoter’s background	Yes
8) No. of employees	No
9) Name of person contacted	No
10) Designation of contact person	No
11) Turnover of firm for last three years	Yes
12) Profitability for last three years	Yes
13) Reasons for variation <> 20%	--
14) Estimation for coming financial year	No
15) Capital in the business	No
16) Details of sister concerns	No
17) Major suppliers	No
18) Major customers	No
19) Payments terms	No
20) Export / Import details (if applicable)	No
21) Market information	--
22) Litigations that the firm / promoter	--
23) Banking Details	Yes
24) Banking facility details	No
25) Conduct of the banking account	--
26) Buyer visit details	--
27) Financials, if provided	Yes
28) Incorporation details, if applicable	Yes
29) Last accounts filed at ROC	Yes
30) Major Shareholders, if available	Yes

FINANCIAL PERFORMANCE

The Company during the year earned an income of Rs.500.415 millions as against Rs.295.787 millions in the previous year. The Company has made a profit before tax of Rs.0.337 million as compared to Rs.0.206 million in the previous year. After making provision for taxation Rs.0.050 millions the net profit after tax stood to Rs.0.287 million.

FORM 8

Corporate identity number of the company	U24246MH2003PLC141284
Name of the company	SHREYANS LIFESTYLE LIMITED
Address of the registered office or of the principal place of business in India of the company	Shiv Sagar Estate, Ground Floor, Block – D, Dr Annie Besant Road, Worli, Mumbai – 400018, Maharashtra, India Email: mca@mgca.in
This form is for	Modification of charge
Charge identification (ID) number of the charge to be modified	10154671
Type of charge	Book Debts Movable Property
Particular of charge holder	Barclays Bank Plc, 601/603, Ceejay House, Shivsagar Estate, Dr. Annie Besant Road, Worli, Mumbai - 400018, Maharashtra, India Email: kanakendu.banerjee@barclays.com
Nature of instrument creating charge	Supplemental Hypothecation Agreement
Date of instrument Creating the charge	26.10.2009
Amount secured by the charge	Rs.376.670 Millions
Brief of the principal terms an conditions and extent and operation of the charge	Rate of Interest As may be decided between the Borrower and the Bank from time to time. Terms of Repayment As may be specified by the Bank from time to time. Margin As may be specified by the Bank from time to time. Extent and Operation of the charge First and exclusive charge by way of hypothecation on all current and fixed assets of the borrower,(as stated in principal agreement dated 17/10/2008) in favour of Barclays Bank PLC, to secure the repayment of financial facilities granted by the Bank to the Borrower
Short particulars of the property or asset(s) charged (including complete address and location of the property)	All current and fixed assets of the borrower, as stated in principal agreement dated 17.10.2008
Particulars of the present modification	Bank had granted facilities of INR 142.500 Million to borrower which was secured by Hypothecation on current and fixed assets of the borrower on 17.10.2008 Now at the request of the borrower, bank has enhanced the credit facilities from INR 142.500 Million to INR 376.670 Million and the said charge is modified and extended to the enhanced total facilities of INR 376.670 Million.

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.51.05
UK Pound	1	Rs.81.09
Euro	1	Rs.67.39

SCORE & RATING EXPLANATIONS

SCORE FACTORS	RANGE	POINTS
HISTORY	1~10	3
PAID-UP CAPITAL	1~10	4
OPERATING SCALE	1~10	3
FINANCIAL CONDITION
--BUSINESS SCALE	1~10	3
--PROFITABILIRY	1~10	3
--LIQUIDITY	1~10	3
--LEVERAGE	1~10	3
--RESERVES	1~10	2
--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	NO
--AFFILIATION	YES/NO	NO
--LISTED	YES/NO	NO
--OTHER MERIT FACTORS	YES/NO	YES
TOTAL		26

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	-

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