MIRA INFORM REPORT

 

 

Report Date :

23.04.2012

 

IDENTIFICATION DETAILS

 

Name :

ESSAR INVESTMENTS LIMITED

 

 

Registered Office :

Essar House, 11-K.K. Marg, Mahalaxmi, Mumbai – 400 034, Maharashtra

 

 

Country :

India

 

 

Financials (as on) :

31.03.2010

 

 

Date of Incorporation :

10.12.1976

 

 

Com. Reg. No.:

11-34721

 

 

Capital Investment / Paid-up Capital :

Rs.35.025 Millions

 

 

CIN No.:

[Company Identification No.]

L99999MH1976PLC034721

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

MUM00598D

 

 

Legal Form :

Public Limited Liability Company Company’s Share are Listed on the Stock Exchange

(The company is listed but it is suspended from trading due to penal reasons)

 

 

Line of Business :

To Purchase acquire hold and dispose of or otherwise deal and invest in any share, debentures and other securities in or of any company or combines

 

 

No. of Employees :

Information denied by the management.

 

 

RATING & COMMENTS

 

MIRA’s Rating :

B (27)

 

RATING

STATUS

 

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Maximum Credit Limit :

USD 35000000

 

 

Status :

Moderate

 

 

Payment Behaviour :

Slow

 

 

Litigation :

Clear

 

 

Comments :

Subject is an established company having moderate track. Profitability of the company is under severe pressure. However, trade relations are reported as fair. Business is active. Payments are reported to be slow.

 

The company can be considered for business dealings with some caution.

 

 NOTES :

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

 

INFORMATION DENIED BY

 

Management Non Co-Operative.

 

 

LOCATIONS

 

Registered Office :

Essar House, 11-K.K. Marg, Mahalaxmi, Mumbai – 400 034, Maharashtra, India

Tel. No.:

91-22-50011100 / 66601100

Fax No:

91-22-66601809

E-mail:

corporatecommunication@essar.com

r_vijay@essar.com

girish_sathe@essar.com

Website :

www.essar.com

 

 

Corporate Office :

142 Maker Chambers IV, Esssar House, Mahalakshmi, Mumbai – 400 034, Maharashtra, India 

Tel No. :

91-22-2042600

 

 

DIRECTORS

 

AS ON 30.09.2010 

 

Name :

Mr. S. V. Venkatesan

Designation :

Director

Address :

F-401, The Atrium old No. 49, New No.22, Kalashetra Road, Thiruvanmiyur, Chennai - 600 041, Tamilnadu, India

Date of Birth/Age :

01.10.1939

Date of Appointment:

13.09.1991

Din No.:

00004010

 

 

Name :

Mr. Suresh Sundaram

Designation :

Director

Address :

Flat No. 12-B, Jaldarshan, Napeansea Road, Mumbai – 400 036, Maharashtra, India  

Date of Birth/Age :

03.10.1942

Date of Appointment :

28.04.2006

Din No.:

00063535

 

 

Name :

Mr. Narottam Babulal Vyas

Designation :

Secretary

Address :

A-3/1701, Whispering Palms, Lokhandwala Complex, Akurli road,  kandivali (East), Mumbai:400101, Mahrashtra

Date of Birth/Age :

03.07.1954

Date of Appointment :

26.02.1990

Din No.:

00055499

 

 

KEY EXECUTIVES

 

Name :

Mr. R Vijay

Designation :

Secretary

Address :

20/85, Bhaveshwar Dham, R A Kidwai Road, Wadala, Mumbai – 400 031, Maharashtra, India

Date of Birth/Age :

28.07.1976

Date of Appointment :

06.02.2007

 

 

Name :

Mr. Bhuvanesh Vyas

Designation :

Accounts Manager

 

 

MAJOR SHAREHOLDERS

 

AS ON 30.09.2010 

 

Names of Equity Shareholders

No. of Shares

Manju Ruia

339984

Anshuman S Ruia

10

Manju Ruia and S Shankaranarayanan

1

Manju Ruia and Mandan Mundhra

1

Manju Ruia and and N B Vyas

1

Manju Ruia and and G K Sathe

1

Manju Ruia and and V Ganeshan

1

Kroner Investment Limited, Mumbai 

1

Total

340000

 

 

Names of Preference Shareholders

No. of Shares

Imperial Consultants Securities Private Limited, India

2471510

Trustees of Millenium Growth and Development Fund, India

281000

 

AS ON 30.09.2010 

 

Equity Share Breakup

 

Percentage of Holding

Category

 

 

Bodies corporate

 

49.00

Directors or relatives of directors

 

51.00

Total

 

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

To Purchase acquire hold and dispose of or otherwise deal and invest in any share, debentures and other securities in or of any company or companies

 

 

Products :

  • Management Service
  • Income from Plant Hire
  • Promotion of Industrial Undertaking

 

GENERAL INFORMATION

 

No. of Employees :

Information denied by the management.

 

 

Bankers :

State Bank of India, Diamond Branch, Mumbai – 400 004, Maharashtra, India

 

 

Facilities :

Unsecured Loans

AS ON 31.03.2010

Rs. in millions

AS ON 31.03.2009

Rs. in millions

External Commercial Borrowing from and Overseas Bank

1367.400

1543.500

Short Term Loan from the Bank

0.000

2000.000

Interest accrued and due

0.000

15.676

Inter Corporate Deposit

15544.700

8369.319

2,662,824,225 (P.Y. Nil) Zero percent Non Convertible Redeemable debentures of Rs.10 each

26628.242

0.000

739,735 (P,Y. Nil) Zero Coupon Bonds

7814.634

0.000

38,949,005   (P.Y.  257,263,745)  Multiple  Option  Convertible  Debentures of Rs.100 each

3894.900

25726.374

Less: Reduction on account of Amalgamation

0.000

24246.492

38,949,005 (P.Y. 15,163,745) Multiple Option Convertible Debentures of Rs.100 each

3894.900

1516.374

7,400 ( P.Y. NIL) 14.25% Non Convertible Debenture of Rs.10000 Each

74.000

0.000

Zero percent Non Convertible Redeemable debentures to be issued on Merger

0.000

25246.492

Total

56700.725

39205.025

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

Nisar and Kumar

Chartered Accountant

Address :

1305, Arcadia Building, Next To Earnest House, Npca Marg, Nariman Point, Mumbai – 400 021, Maharashtra, India 

Tel No. :

91-22-23515912 / 40005394

 

 

Subsidiaries :

  • Prajkta Finance and Trading Limited

CIN No.: U65990MH1989PLC052712

 

  • Essar Retail Outlets Limited

CIN No. U23209MH2005PLC156861

 

  • Essar Information Technology Limited

CIN No. U72200MH1992PLC064816

 

  • Essar Steel Hypermarts Limited

CIN No. U27106MH2007PLC172940

 

  • Essar Retail Holding Limited

CIN No. U51909MH2006PLC164605

 

  • Essar Power Jamnagar Limited

CIN No. U40108MH2007PLC175185 

 

  • Essar Education Limited

CIN No. U80301MH2008PLC187667

 

  • Essar Biofuels Limited

CIN No. U01403MH2008PLC186562

 

  • Global Commodities Trading Limited

CIN No. U51900MH2008PLC185022

 

  • Essar LNG Limited

CIN No. U40200MH2008PLC184000

 

  • Essar Energy Services Limited

CIN No. U40109MH2008PLC184001

 

  • Essar Cements Limited

CIN No. U26940MH2008PLC185664

 

·         Essar Heavy Engineering Services Limited

CIN No.: U93000GJ2008PLC054681

 

·         Aegis Aspire Consultancy Services Limited (Ceased to bo subsidiary during the year)

  • Hybrid Capital Private Limited
  • Softeng Computers Private Limited
  • The Mobile Store Limited
  • Essar Steel Karnataka Limited
  • Essar Wind Perms Limited
  • Hybrid Capital Pie Limited (Consed to be subsidiary during the year)

 

 

Associates :

  • Bhargava Properties Private Limited
  • Dwarka Realties Private Limited
  • Essar Projects Limited
  • Essar Properties Limited
  • Paprika Media Private Limited
  • Pama Properties Private Limited
  • ESL Worldwide Sea Logistics Limited
  • Fulura Travels Limited
  • Golden Investments - Partnership firm
  • Shining Star Traders Private Limited
  • Essar Agrotech Limited
  • S K Commercial (India) Limited
  • Sasmila Realties Private Limited
  • Pralik Estates Limited
  • Yojna Estates Private Limited
  • Ipsha Commercial (India) Limited
  • Imperial Factoring Services - Partnership firm

 

 

Enterprise controlled or influence by major shareholders / Directors of the company :

  • Essar Properties Gujarat Private Limited
  • Essar Capital Limited
  • Essar Securities Limited
  • Imperial Consultants and Securities Private Limited
  • Yojna Realties Private Limited Aegis Limited
  • Ajitesh Estates Private Limited
  • Arkay Holdings Limited
  • Bansari Agrotech Private Limited
  • Bhander Power Limited
  • Bhargava Agrofood Private Limited
  • Bhargava Eslates Private Limited
  • Blue Arcade Properties Private Limited
  • Dwarka Farms and Estates Private Limited
  • Essar Bulk Terminal Limited
  • Essar Projects (India) Limited
  • Essar Telecom Infrastructure Holdings Overseas Private Limited
  • Essar Engineering Services Limited
  • Essar Exploration and Production India Limited
  • Essar House Limited
  • Essar Logistics Limited
  • Essar Minerals Resources Limited
  • Essar Oil Limited
  • Mahan Coal Limited
  • Essar Oil Vadinar Limited
  • Essar Oilfield Services Limited
  • Essar Power Jharkhand Limited
  • Essar Power Limited
  • Essar Power MP. Limited
  • Essar Power Tamilnadu Limited
  • Essar Really Developers Private Limited
  • Essar SEZ Hazira Limited
  • Essar Shipping Ports and Logistics Limited
  • Essar Steel (Hazira) Limited
  • Essar Steel Holdings Limited. Mauritius
  • Essar Steel Jharknand Limited
  • Essar Steel Limited
  • Essar Steel Orissa Limited
  • Essar Telecom Holdings Overseas Private Limited
  • Essar Telecom Investments Limited
  • Essar Technology Park BKC Limited
  • Essar Capital Holdings Limited - Mauritius
  • SG Chemicals and Dyes Limited
  • ETHL Communications Holdings Private Limited
  • Crystal Palace Properties Private Limited
  • Essar Capital Finance Private Limited
  • Essar Refinery Services Limited
  • Essar Salvision Limited
  • Girishan Traders Private Limited
  • Essar Trading Limited (Mauritius)
  • Essar Offshore Subsea Limited
  • ETHL Telecom Holdings India Private Limited
  • Essar Telecom Infrastructure Private Limited
  • Sasmita Eslates Private Limited
  • Essar Teteholdings Limited
  • ETHL Global Capital Limited
  • Essar Infrastructure Services Limited
  • Girishan Investment Limited
  • Essar Power Gujarat Limited
  • Golsil Exim Private Limited
  • Golden Merchandisers Private Limited
  • Hazira Plate Limited
  • Hazira Pipe Mill Limited
  • Highland Horticulture Private Limited
  • Ibrox Estate Private Limited
  • Indsec Holdings Limited
  • Kanak Communication Private Limited
  • Karthik Agrofarms Private Limited
  • Karthik Financial Services Limited
  • Kartik Estates Private Limited
  • Kirti Mercantile Private Limited
  • Kirti Realties and Farms Private Limited
  • Kroner Investments Limited
  • Marvel Farms Private Limited
  • Neelkamai Traders Private Limited
  • Nirmil Estates Private Limited
  • Online Distribution Services Limited
  • Prajesh Investments Private Limited
  • Prajesh Marketing Limited
  • Prajkta Agrovision Private Limited
  • Pratik Agro Herbal Private Limited
  • PT Essar Indonesia
  • Ringtel Communications Limited
  • Rupa Investments Limited
  • Samarjit Investments Private Limited
  • Sasmita Investments Limited
  • Sasmita Properties Private Limited
  • Srijan Investments Private Limited
  • Supreme Transport and Traders Private Limited
  • Swarnaganga Holdings and Estate Developers Private Limited
  • Teletech Investments (India) Limited
  • Vadinar Oil Terminal Limited
  • Vadinar Properties Limited
  • Yash Hotels Private Limited
  • Vadinar Power Company Limited India Securities Limited
  • Essar Telecommunications Holdings Private Limited
  • Essar Project Management Company Limited, Dubai
  • Indus Fresh Agro Developers Private Limited
  • Sangam Agro Acres Private Limited
  • Sangam Agro Greens Private Limited
  • Samarjil Estates Private Limited
  • Trikaya Agra Private Limited
  • Trikaya Farms Private Limited
  • Essar Wind Power Private Limited
  • Edwel Park Properties Private Limited
  • Prajkta Estates Private Limited
  • Prajesh Estates Private Limited
  • Indus Floriculture Private Limited
  • Kanak Agro Seeds Private Limited
  • Thakkars Investments Private Limited
  • Essar Holdings Limited
  • Dwarka Properties Private Limited
  • Essar Capital Holding!! India Limited
  • Chilloda Forms Limited
  • Downtown Securities Private Limited
  • Essar Oilfield Services India Limited
  • Ibrox Properties Private Limited
  • Maval Farms Private Limited
  • Sangam Agro Farms Private Limited
  • Sangam Cultivation Private Limited
  • Shri Nand Naket Properties Private Limited
  • Trikaya Cultivations Private Limited
  • Wellman (Hindustan) Limited
  • Essar Gujarat Petrochemicals Limited
  • Kanak Agro Farms Private Limited
  • Essar Bulk Terminal Paradip Limited

  

 

CAPITAL STRUCTURE

 

As on 31.03.2010

 

Authorised Capital :

No. of Shares

Type

Value

Amount

2500000

Equity Shares

Rs.10/- each

Rs. 25.000 Millions

5000000

500% Non Cumulative Redeemable Preference Shares

Rs.10/- each

Rs. 50.000 Millions

2000000

0.01% Non Cumulative Redeemable Preference Shares

Rs. 10/- each

Rs. 20.000 Millions

500000

10% Non Cumulative Redeemable Preference Shares

Rs. 10/- each

Rs. 5.000 Millions

 

Total

 

Rs. 100.000 Millions

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

340000

Equity Shares

Rs.10/- each

Rs.3.400 Millions

 

Less: NIL (P.Y415,974 Equity shares (reduction on account of Amalgamation) 340,000 {P.Y. 334,406) Equity shares

[Of the above, 306,673 [After pro rata reduction of 293,327 equity shares on account of amalgamation equity shares were allotted as fully paid up bonus shares by capitalization of Reserves and 780 equity shares were allotted as fully paid-up pursuant to the Scheme of Amalgamation without payment being received in cash]

 

NIL

2471510

500% Non Cumulative Redeemable Preference Shares

Rs.10/- each

Rs. 24.715 Millions

 

 

 

 

281000

0.01% Non Cumulative Redeemable Preference Shares

Rs.10/- each

Rs. 2.810 Millions

 

 

 

 

410018

10% Non Cumulative Redeemable Preference Shares to be issued on merger

Rs.10/- each

Rs. 4.100 Millions

 

Total

 

Rs. 35.025 Millions

 

 


 

FINANCIAL DATA

[all figures are in Rupees Millions]

 

ABRIDGED BALANCE SHEET

 

SOURCES OF FUNDS

 

31.03.2010

31.03.2009

31.03.2008

[18 Months]

SHAREHOLDERS FUNDS

 

 

 

1] Share Capital

35.025

34.977

41.029

2] Share Application Money

0.000

0.000

0.000

3] Reserves & Surplus

8756.153

10370.332

17034.206

4] (Accumulated Losses)

0.000

0.000

0.000

NETWORTH

8791.178

10405.309

17075.235

LOAN FUNDS

 

 

 

1] Secured Loans

0.000

0.000

0.000

2] Unsecured Loans

56700.725

39205.025

27204.184

TOTAL BORROWING

56700.725

39205.025

27204.184

DEFERRED TAX LIABILITIES

0.000

0.000

0.000

 

 

 

 

TOTAL

65491.903

49610.334

44279.419

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

177.873

129.379

104.392

Capital work-in-progress

0.000

0.000

0.000

 

 

 

 

INVESTMENT

64916.506

58966.509

58966.647

DEFERREX TAX ASSETS

0.000

0.000

0.000

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

0.000
0.000
0.000

 

Sundry Debtors

143.813
60.744
1.063

 

Cash & Bank Balances

484.412
710.204
451.905

 

Other Current Assets

0.000
0.000
0.000

 

Loans & Advances

10130.775
7492.580
11263.780

Total Current Assets

10759.000
8263.528

11716.748

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Sundry Creditors

5471.571
6936.483
16537.071

 

Other Current Liabilities

4524.128
10656.061
9752.774

 

Provisions

363.677
328.438
218.523

Total Current Liabilities

10359.376
17920.982
26508.368

Net Current Assets

399.624
(9657.454)
(14791.620)

 

 

 

 

MISCELLANEOUS EXPENSES

0.000

0.000

0.000

FOREIGN CURRENCY MONETARY TRANSACTION DIFFERENCE

(2.100)

171.900

0.000

 

 

 

 

TOTAL

65491.903

49610.334

44279.419

 


PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

31.03.2010

31.03.2009

31.03.2008

[18 Months]

 

SALES

 

 

 

 

 

Income from Sales and Services

1781.392

755.497

59.841

 

 

Other Income

647.874

901.434

473.910

 

 

Profit on sale of Investments

2355.578

3325.934

1442.043

 

 

Profit on sale of Assets

2.220

0.000

0.000

 

 

TOTAL                                    

4787.064

4982.865

1975.794

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Staff Cost

1220.429

659.656

157.389

 

 

Administrative and Other Operating Expenses

2189.595

375.683

637.312

 

 

Increase/(Decrease) in Finished Goods

0.000

19.841

2.396

 

 

Share of Loss in Partnership Firm

39.186

0.005

0.000

 

 

Loss on sale of investments

1564.351

269.358

3787.136

 

 

Investments written off

0.115

0.021

0.960

 

 

Provision for (Write back) of Provision for Diminution in the value of Investment

(480.528)

10.319

792.828

 

 

Decrease in value of Current Investment

0.105

0.000

0.000

 

 

TOTAL                                    

4533.253

1334.883

5378.021

 

 

 

 

 

Less

PROFIT / (LOSS) BEFORE INTEREST, TAX, DEPRECIATION AND AMORTISATION

253.811

3647.982

(3402.227)

 

 

 

 

 

Less

FINANCIAL EXPENSES            

1849.361

1359.645

62.285

 

 

 

 

 

 

PROFIT / (LOSS) BEFORE TAX, DEPRECIATION AND AMORTISATION

(1595.550)

2288.337

(3464.512)

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                    

18.071

9.490

7.074

 

 

 

 

 

Less

WITHDRAWAL DURING THE YEAR

0.000

(1.923)

0.000

 

 

 

 

 

 

GOODWILL ON AMALGAMATION WRITTEN OFF

0.000

3160.377

213.770

 

 

 

 

 

 

PROFIT / (LOSS) BEFORE TAX

(1613.621)

(879.607)

(3685.356)

 

 

 

 

 

Less

TAX                                                                 

0.558

17.260

4.727

 

 

 

 

 

 

PROFIT / (LOSS) AFTER TAX

(1614.179)

(896.867)

(3690.083)

 

 

 

 

 

 

Earnings / (Loss) Per Share (Rs.)

(4786)

(2682)

--

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2010

31.03.2009

31.03.2008

[18 Months]

PAT / Total Income

(%)

(33.71)

(18.00)

(186.76)

 

 

 

 

 

Net Profit Margin

(PBT/Sales)

(%)

(90.58)

(116.43)

(6158.58)

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

(14.75)

(10.48)

(31.18)

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

(0.18)

(0.08)

(0.22)

 

 

 

 

 

Debt Equity Ratio

(Total Liability/Networth)

 

7.63

5.49

3.15

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

1.04

0.46

0.44

 

 

LOCAL AGENCY FURTHER INFORMATION

 

SUNDRY CREDITORS DETAILS:

 

Particulars

31.03.2010

Rs. in Millions

31.03.2009

Rs. in Millions

31.03.2008

[18 Months]

Rs. in Millions

Sundry Creditors (other than dues o micro, small and medium enterprises)

5471.572

6936.483

16537.071

 

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

Yes

16) Details of sister concerns

Yes

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 involved in

--

23) Banking Details

Yes

24) Banking facility details

Yes

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

No

30) Major Shareholders, if available

Yes

 

FINANCIAL RESULTS:

 

During the year, the company consolidated its management consultancy and support service activity. Income from the same increased from Rs.755.500 millions to Rs.1781.400 millions. However, due to increased cost of setup, the company incurred losses in this business segment. The company is confident of increasing its client base as well as revenue in future years. The company also earned profit on sale of investment amounted to Rs.791.200 millions.

 

 

FIXED ASSETS:

 

  • Buildings
  • Office Equipment
  • Furniture and Fixtures
  • Vehicles and Aircraft

 

 

 


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.52.00

UK Pound

1

Rs.83.54

Euro

1

Rs.68.40

 


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

6

PAID-UP CAPITAL

1~10

3

OPERATING SCALE

1~10

3

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

3

--PROFITABILIRY

1~10

--

--LIQUIDITY

1~10

3

--LEVERAGE

1~10

3

--RESERVES

1~10

3

--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

NO

--AFFILIATION

YES/NO

YES

--LISTED

YES/NO

NO

--OTHER MERIT FACTORS

YES/NO

YES

TOTAL

 

27

 

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.