|
Report Date : |
13.08.2012 |
IDENTIFICATION DETAILS
|
Name : |
SRAVYA GRAFICS |
|
|
|
|
Registered
Office : |
6-2-1/7, View Towers, Opposite Saifabad Police Station, Lakdikapool,
Hyderabad – 500 004, Andhra Pradesh |
|
|
|
|
Country : |
|
|
|
|
|
Financials (as
on) : |
31.03.2012 |
|
|
|
|
Year of
Establishment : |
1984 |
|
|
|
|
Capital Investment
/ Paid-up Capital : |
Rs.5.076 Millions |
|
|
|
|
IEC No.: |
0992000033 |
|
|
|
|
TIN No.: |
28530208371 |
|
|
|
|
PAN No.: [Permanent Account No.] |
ACYPC8811B |
|
|
|
|
Legal Form : |
Sole Proprietory Concern |
|
|
|
|
Line of Business
: |
Subject is engaged in Digital Designers and Offset Printers. |
|
|
|
|
No. of Employees
: |
13 (Approximately) |
RATING & COMMENTS
|
MIRA’s Rating : |
Ba (45) |
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
41-55 |
Ba |
Overall operation is considered normal. Capable to meet normal
commitments. |
Satisfactory |
|
Status : |
Satisfactory |
|
|
|
|
Payment Behaviour : |
Usually Correct |
|
|
|
|
Litigation : |
Clear |
|
|
|
|
Comments : |
Subject is an established proprietory concern having satisfactory
track. Trade relations are reported as fair. Business is active. Payments are
reported to be usually correct and as per commitments. The concern can be considered normal 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 – June 30, 2012
|
Country Name |
Previous Rating (31.03.2012) |
Current Rating (30.06.2012) |
|
India |
A1 |
A1 |
|
Risk Category |
ECGC
Classification |
|
Insignificant |
A1 |
|
Low |
A2 |
|
Moderate |
B1 |
|
High |
B2 |
|
Very High |
C1 |
|
Restricted |
C2 |
|
Off-credit |
D |
RBI DEFAULTERS’ LIST STATUS
Subject’s name is not enlisted as a defaulter
in the publicly available RBI Defaulters’ list.
EPF (Employee Provident Fund) DEFAULTERS’ LIST STATUS
Subject’s name is not enlisted as a defaulter
in the publicly available EPF (Employee Provident Fund) Defaulters’ list as of
31-03-2012.
INFORMATION PARTED BY
|
Name : |
Mr. Ravinder Reddy Chamala |
|
Designation : |
Proprietor |
|
Contact No.: |
91-9848257520 |
|
Date : |
10.08.2012 |
LOCATIONS
|
Registered Office/ Factory : |
6-2-1/7, View Towers, Opposite Saifabad Police Station, Lakdikapool,
Hyderabad – 500 004, Andhra Pradesh, India |
|
Tel. No.: |
91-40-23307606/ 66666998/ 66519919/ 64646399 |
|
Mobile No.: |
91-9848257520 (Mr. Ravinder Reddy Chamala) |
|
Fax No.: |
91-40-66666998 |
|
E-Mail : |
|
|
Website : |
|
|
Area : |
6000 sq. ft. |
|
Location : |
Leased |
SOLE PROPRIETOR
|
Name : |
Mr. Ravinder Reddy Chamala |
||||||||
|
Designation : |
Proprietor |
||||||||
|
Address : |
Flat No.502, Jayabheri Pine Valley, Beside Police Commissionarate
Office, Near Telecom Nagar, Gachibowli. Hyderabad – 500032, Andhra Pradesh,
India |
||||||||
|
Date of Birth/Age : |
22.10.1961 |
||||||||
|
Qualification : |
B. Com |
||||||||
|
Experience : |
27 year |
||||||||
|
Bank A/c : |
|
BUSINESS DETAILS
|
Line of Business : |
Subject is engaged in Digital Designers and Offset Printers. |
|
|
|
|
Terms : |
|
|
Selling : |
Cash and Credit (30 days) |
|
|
|
|
Purchasing : |
Credit (75 days) |
GENERAL INFORMATION
|
Customers : |
End Users |
|
|
|
|
No. of Employees : |
13 (Approximately) |
|
|
|
|
Bankers : |
· Union Bank of India, Secunderabad · Bank of India, Khairtabad |
|
|
|
|
Banking
Relations : |
-- |
|
|
|
|
Auditors : |
|
|
Name : |
M. Venkata Ratnam Chartered Accountant |
|
Address : |
Chintal Basti, Khairtabad, Hyderabad, Andhra Pradesh, India |
|
Mobile No.: |
91-9849197783 |
|
Email No.: |
|
|
|
|
|
Associates/Subsidiaries : |
· Sravya Compact Residency Address :#17/1, Jayabheri Pine Valley Colony, India Activity: Service Apartment |
CAPITAL STRUCTURE
(AS ON 31.03.2012)
|
Capital Investment : |
|
|
Owned : |
Rs.5.076 Millions |
|
Borrowed : |
-- |
|
Total : |
Rs.5.076 Millions |
FINANCIAL DATA
[all figures are
in Rupees Millions]
Note: Sole Proprietory and Partnership concerns are exempted
from filing their financials with the Government Authorities or Registry
Records.
ABRIDGED BALANCE
SHEET
|
SOURCES OF FUNDS |
31.03.2012 |
31.03.2011 |
31.03.2010 |
|
|
SHAREHOLDERS FUNDS |
|
|
|
|
|
1] Share Capital |
5.076 |
4.076 |
5.399 |
|
|
2] Share Application Money |
0.000 |
0.000 |
0.000 |
|
|
3] Reserves & Surplus |
2.579 |
1.854 |
0.000 |
|
|
4] (Accumulated Losses) |
0.000 |
0.000 |
0.000 |
|
|
NETWORTH |
7.655 |
5.930 |
5.399 |
|
|
LOAN FUNDS |
|
|
|
|
|
1] Secured Loans |
0.600 |
0.708 |
0.947 |
|
|
2] Unsecured Loans |
1.351 |
1.351 |
1.351 |
|
|
TOTAL BORROWING |
1.951 |
2.059 |
2.298 |
|
|
DEFERRED TAX LIABILITIES |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
9.606 |
7.989 |
7.697 |
|
|
|
|
|
|
|
|
APPLICATION OF FUNDS |
|
|
|
|
|
|
|
|
|
|
|
FIXED ASSETS [Net Block] |
1.521 |
1.832 |
2.155 |
|
|
Capital work-in-progress |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
INVESTMENT |
2.500 |
0.000 |
0.000 |
|
|
DEFERREX TAX ASSETS |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
CURRENT ASSETS, LOANS & ADVANCES |
|
|
|
|
|
|
Inventories |
2.000
|
1.576 |
0.480 |
|
|
Sundry Debtors |
3.125
|
6.488 |
3.395 |
|
|
Cash & Bank Balances |
2.385
|
0.432 |
0.835 |
|
|
Other Current Assets |
0.725
|
0.000 |
2.609 |
|
|
Loans & Advances |
0.000
|
0.273 |
0.000 |
|
Total
Current Assets |
8.235
|
8.769 |
7.319 |
|
|
Less : CURRENT
LIABILITIES & PROVISIONS |
|
|
|
|
|
|
Sundry Creditor |
2.500
|
2.438 |
1.762 |
|
|
Other Current Liabilities |
0.000
|
0.174 |
0.015 |
|
|
Provisions |
0.150
|
0.000 |
0.000 |
|
Total
Current Liabilities |
2.650
|
2.612 |
1.777 |
|
|
Net Current Assets |
5.585
|
6.157 |
5.542 |
|
|
|
|
|
|
|
|
MISCELLANEOUS EXPENSES |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
9.606 |
7.989 |
7.697 |
|
PROFIT & LOSS
ACCOUNT
|
|
PARTICULARS |
31.03.2012 |
31.03.2011 |
31.03.2010 |
|
|
|
SALES |
|
|
|
|
|
|
|
Income |
12.550 |
11.466 |
9.802 |
|
|
|
Other Income |
NA |
0.003 |
0.000 |
|
|
|
TOTAL |
NA |
11.469 |
9.802 |
|
|
|
|
|
|
|
|
Less |
EXPENSES |
|
|
|
|
|
|
|
Cost of Goods Sold |
NA |
8.178 |
6.446 |
|
|
|
Electricity Bill |
NA |
0.134 |
0.149 |
|
|
|
Transport Expenses |
NA |
0.018 |
0.096 |
|
|
|
Salaries to Staff |
NA |
1.314 |
1.233 |
|
|
|
Accounting Charges |
NA |
0.000 |
0.024 |
|
|
|
Repairs and Maintenance |
NA |
0.023 |
0.137 |
|
|
|
Computer Spares |
NA |
0.000 |
0.026 |
|
|
|
Telephone Charges |
NA |
0.059 |
0.052 |
|
|
|
Travelling Expenses |
NA |
0.000 |
0.043 |
|
|
|
Other Expenses |
NA |
0.770 |
0.457 |
|
|
|
TOTAL |
NA |
10.496 |
8.663 |
|
|
|
|
|
|
|
|
|
PROFIT
BEFORE TAX, DEPRECIATION AND AMORTISATION |
NA |
0.973 |
1.139 |
|
|
|
|
|
|
|
|
|
Less/ Add |
DEPRECIATION/
AMORTISATION |
NA |
0.389 |
0.492 |
|
|
|
|
|
|
|
|
|
|
NET PROFIT |
0.725 |
0.584 |
0.647 |
|
KEY RATIOS
|
PARTICULARS |
|
31.03.2012 |
31.03.2011 |
31.03.2010 |
|
PAT / Total Income |
(%) |
NA
|
5.09 |
6.60 |
|
|
|
|
|
|
|
Net Profit Margin (PBT/Sales) |
(%) |
5.78
|
5.09 |
6.60 |
|
|
|
|
|
|
|
Return on Total Assets (PBT/Total Assets} |
(%) |
7.43
|
5.51 |
6.83 |
|
|
|
|
|
|
|
Return on Investment (ROI) (PBT/Networth) |
|
0.09
|
0.10 |
0.12 |
|
|
|
|
|
|
|
Debt Equity Ratio (Total Liability/Networth) |
|
0.60
|
0.79 |
0.75 |
|
|
|
|
|
|
|
Current Ratio (Current Asset/Current Liability) |
|
3.11
|
3.36 |
4.12 |
LOCAL AGENCY FURTHER INFORMATION
|
Sr. No. |
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 |
Yes |
|
5] |
Type of Business |
Yes |
|
6] |
Line of Business |
Yes |
|
7] |
Promoter's background |
Yes |
|
8] |
No. of employees |
Yes |
|
9] |
Name of person contacted |
Yes |
|
10] |
Designation of contact person |
Yes |
|
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 |
Yes |
|
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 |
No |
|
25] |
Conduct of the banking account |
----- |
|
26] |
Buyer visit details |
----- |
|
27] |
Financials, if provided |
Yes |
|
28] |
Incorporation details, if applicable |
No |
|
29] |
Last accounts filed at ROC |
No |
|
30] |
Major Shareholders, if available |
No |
|
31] |
Date of Birth of
Proprietor/Partner/Director, if available |
Yes |
|
32] |
PAN of Proprietor/Partner/Director, if
available |
No |
|
33] |
Voter ID No of Proprietor/Partner/Director,
if available |
No |
|
34] |
External Agency Rating, if available |
No |
-----------------------------------------------------------------------------------------------------------------------------
PROJECTED
BALANCE SHEET
(RS. IN MILLIONS)
|
Particulars |
2011-12 |
2012-13 |
2013-14 |
2014-15 |
2015-16 |
2016-17 |
|
|
(Provisional) |
(Projected) |
||||
|
LIABILITIES |
|
|
|
|
|
|
|
Share Capital |
|
|
|
|
|
|
|
Opening Balance |
4.076 |
5.076 |
10.000 |
10.000 |
10.000 |
10.000 |
|
Add: Addition/ Drawings |
1.000 |
4.924 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Closing Capital |
5.076 |
10.000 |
10.000 |
10.000 |
10.000 |
10.000 |
|
|
|
|
|
|
|
|
|
Reserve and Surplus |
2.579 |
3.853 |
7.799 |
13.500 |
23.873 |
38.536 |
|
|
|
|
|
|
|
|
|
Secured Loans |
|
|
|
|
|
|
|
Car Loan |
0.600 |
0.500 |
0.400 |
0.300 |
0.200 |
0.100 |
|
Term Loan I |
0.000 |
0.000 |
17.155 |
12.691 |
8.227 |
3.763 |
|
Term Lon II |
0.000 |
14.669 |
11.645 |
8.621 |
5.597 |
2.573 |
|
Working Capital Loan |
0.000 |
3.500 |
3.500 |
3.500 |
3.500 |
3.500 |
|
Other Loans |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Custom Duty Payable |
0.000 |
7.784 |
7.784 |
7.784 |
7.784 |
7.784 |
|
Unsecured Loan |
1.351 |
4.351 |
4.351 |
4.351 |
4.351 |
4.351 |
|
|
|
|
|
|
|
|
|
Current Liabilities |
|
|
|
|
|
|
|
Creditor for Capital Works |
-- |
26.841 |
-- |
-- |
-- |
-- |
|
Sundry Creditors |
2.500 |
0.700 |
0.770 |
0.847 |
0.932 |
1.025 |
|
Other Provisions |
0.150 |
0.200 |
0.200 |
0.225 |
0.250 |
0.275 |
|
|
|
|
|
|
|
|
|
TOTAL |
12.256 |
72.398 |
63.604 |
61.818 |
64.713 |
71.907 |
|
|
|
|
|
|
|
|
|
ASSETS |
|
|
|
|
|
|
|
Fixed Assets |
|
|
|
|
|
|
|
Gross Block |
3.021 |
59.877 |
59.877 |
59.877 |
59.877 |
59.877 |
|
Less: Depreciation |
1.500 |
7.425 |
12.737 |
17.504 |
21.785 |
25.631 |
|
Net Block |
1.521 |
52.452 |
47.140 |
42.373 |
38.092 |
34.246 |
|
|
|
|
|
|
|
|
|
Current Assets |
|
|
|
|
|
|
|
Inventories |
2.000 |
2.200 |
2.300 |
2.400 |
2.500 |
2.600 |
|
Receivables |
3.125 |
6.806 |
10.069 |
11.624 |
15.266 |
18.066 |
|
Other Advance |
0.500 |
1.000 |
1.000 |
1.500 |
1.500 |
1.500 |
|
Deposits |
0.225 |
0.250 |
0.275 |
0.300 |
0.325 |
0.350 |
|
Investments |
2.500 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Cash and Bank Balance |
2.385 |
2.691 |
2.520 |
0.822 |
1.731 |
4.846 |
|
Fixed Deposits |
0.000 |
0.000 |
0.000 |
2.500 |
5.000 |
10.000 |
|
Margin Money Deposits |
0.000 |
7.000 |
0.300 |
0.300 |
0.300 |
0.300 |
|
|
|
|
|
|
|
|
|
Total |
12.256 |
72.398 |
63.604 |
61.818 |
64.713 |
71.907 |
-----------------------------------------------------------------------------------------------------------------------------
PROJECTED
PROFITABILITY STATEMENT
(RS. IN MILLIONS)
|
Particulars |
2011-12 |
2012-13 |
2013-14 |
2014-15 |
2015-16 |
2016-17 |
|
|
(Provisional) |
(Projected) |
||||
|
INCOME |
|
|
|
|
|
|
|
Sales – Designing |
2.920 |
3.600 |
4.320 |
5.184 |
5.702 |
6.273 |
|
-
Printing (Including
Export) (Including printing Paper, Binding) |
9.580 |
29.068 |
44.010 |
50.611 |
67.573 |
80.443 |
|
Interests on FD |
0.000 |
0.000 |
0.630 |
0.027 |
0.252 |
0.477 |
|
Other Income/ Scrap Sales |
0.050 |
1.500 |
1.500 |
1.500 |
1.800 |
1.800 |
|
TOTAL INCOME |
12.550 |
34.168 |
50.460 |
57.322 |
75.327 |
88.993 |
|
|
|
|
|
|
|
|
|
% |
9.43 |
172.25 |
47.68 |
13.60 |
31.41 |
18.14 |
|
|
|
|
|
|
|
|
|
EXPENDITURE |
|
|
|
|
|
|
|
Raw Material and Consumable |
7.087 |
6.908 |
6.956 |
6.842 |
6.731 |
6.617 |
|
Opening Stock |
1.576 |
2.000 |
2.200 |
2.300 |
2.400 |
2.500 |
|
Add: Purchases Including Consumables |
9.319 |
20.280 |
30.713 |
34.729 |
45.581 |
53.330 |
|
Less: Closing Stock |
2.000 |
2.200 |
2.300 |
2.400 |
2.500 |
2.600 |
|
Material Consumed |
8.895 |
20.080 |
30.613 |
34.629 |
45.481 |
53.230 |
|
|
|
|
|
|
|
|
|
Power Expenses |
0.180 |
0.480 |
0.792 |
0.871 |
1.917 |
2.108 |
|
Salaries and Wages |
1.400 |
1.692 |
2.707 |
3.249 |
3.898 |
4.678 |
|
Telephone Expenses |
0.060 |
0.065 |
0.071 |
0.078 |
0.086 |
0.095 |
|
Administrative Expense |
0.225 |
0.300 |
0.330 |
0.363 |
0.399 |
0.439 |
|
Rent |
0.200 |
0.140 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Repairs and Maintenance |
0.075 |
0.090 |
0.105 |
0.123 |
0.144 |
0.168 |
|
Other Finance Charges |
-- |
1.450 |
-- |
-- |
-- |
-- |
|
|
|
|
|
|
|
|
|
TOTAL EXPENDITURE |
11.035 |
24.297 |
34.618 |
39.313 |
51.926 |
60.719 |
|
|
|
|
|
|
|
|
|
PBDIT |
1.515 |
9.871 |
15.842 |
18.009 |
23.401 |
28.274 |
|
|
|
|
|
|
|
|
|
Less: Depreciation |
0.311 |
5.926 |
5.312 |
4.767 |
4.281 |
3.846 |
|
Profit Before Interest and Tax |
1.205 |
3.946 |
10.530 |
13.242 |
19.120 |
24.428 |
|
|
|
|
|
|
|
|
|
Interest on Car Loan |
0.080 |
0.070 |
0.060 |
0.050 |
0.040 |
0.030 |
|
Interest on Term Loan |
0.000 |
1.467 |
4.073 |
4.176 |
3.090 |
2.004 |
|
Interest on W.C. Loan |
0.042 |
0.508 |
0.508 |
0.508 |
0.508 |
0.508 |
|
|
0.862 |
0.556 |
1.167 |
1.484 |
2.055 |
2.459 |
|
|
|
|
|
|
|
|
|
Profit Before Tax |
1.082 |
1.901 |
5.889 |
8.508 |
15.482 |
21.886 |
|
Less: Income Tax |
0.357 |
0.627 |
1.944 |
2.808 |
5.109 |
7.222 |
|
Profit After Tax |
0.725 |
1.274 |
3.946 |
5.701 |
10.373 |
14.663 |
|
|
|
|
|
|
|
|
|
Balance Carried to B/s |
0.725 |
1.274 |
3.946 |
5.701 |
10.373 |
14.663 |
|
|
|
|
|
|
|
|
|
Add: Depreciations |
0.311 |
5.926 |
5.312 |
4.767 |
4.281 |
3.846 |
|
Add: Interests Paid |
0.000 |
1.467 |
4.073 |
4.176 |
3.090 |
2.004 |
|
Net Cash Accruals (A) |
1.036 |
8.666 |
13.331 |
14.644 |
17.745 |
20.514 |
|
|
|
|
|
|
|
|
|
Term Loan Repayment |
|
|
|
|
|
|
|
Principle |
0.000 |
0.504 |
6.000 |
7.488 |
7.488 |
7.488 |
|
Interests |
0.000 |
1.467 |
4.073 |
4.176 |
3.090 |
2.004 |
|
Total Payment (B) |
0.000 |
1.971 |
10.073 |
11.664 |
10.578 |
9.492 |
|
|
|
|
|
|
|
|
|
DCR (Gross) (A/B) |
-- |
4.40 |
1.32 |
1.26 |
1.68 |
2.16 |
|
|
|
|
|
|
|
|
|
DSCR (Average) |
1.94 |
|||||
-----------------------------------------------------------------------------------------------------------------------------
PROJECTED
CASH FLOW STATEMENT
(RS. IN MILLIONS)
|
Particulars |
2011-12 |
2012-13 |
2013-14 |
2014-15 |
2015-16 |
2016-17 |
|
|
(Provisional) |
(Projected) |
||||
|
SOURCES |
|
|
|
|
|
|
|
Net Profit After Tax |
0.725 |
1.274 |
3.946 |
5.701 |
10.373 |
14.663 |
|
Add: Depreciation |
0.311 |
5.926 |
5.312 |
4.767 |
4.281 |
3.846 |
|
Add: Interests on Term Loan |
0.000 |
1.467 |
4.073 |
4.176 |
3.090 |
2.004 |
|
|
|
|
|
|
|
|
|
Net Cash Accruals |
1.036 |
8.666 |
13.331 |
14.644 |
17.745 |
20.514 |
|
|
|
|
|
|
|
|
|
Increase in Current Liabilities |
0.038 |
(1.750) |
0.070 |
0.102 |
0.110 |
0.118 |
|
Increase in Creditors for Capital Works |
-- |
26.841 |
(26.841) |
-- |
-- |
-- |
|
Increase in Customs Duty Liability |
0.000 |
7.784 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Increase in Working Capital Loan |
0.000 |
3.500 |
-- |
-- |
-- |
-- |
|
Capital Contribution |
1.000 |
4.924 |
-- |
-- |
-- |
-- |
|
Increase in Unsecured Loans |
-- |
3.000 |
-- |
-- |
-- |
-- |
|
Increase in Term Loan I |
-- |
0.000 |
20.131 |
-- |
-- |
-- |
|
Increase in Term Loan II |
-- |
15.173 |
-- |
-- |
-- |
-- |
|
|
|
|
|
|
|
|
|
Total |
2.074 |
68.138 |
6.690 |
14.746 |
17.854 |
20.632 |
|
|
|
|
|
|
|
|
|
USES |
|
|
|
|
|
|
|
Increase in Fixed Assets |
0.000 |
56.856 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Decrease in Unsecured Loans |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Increase in Current Assets |
0.013 |
1.906 |
3.388 |
2.180 |
3.767 |
2.925 |
|
Fixed Deposit with Bank |
0.000 |
0.000 |
0.000 |
2.500 |
2.500 |
5.000 |
|
Margin Money Deposit with Bank |
0.000 |
7.000 |
(6.700) |
0.000 |
0.000 |
0.000 |
|
Repayment of Car Loan |
0.108 |
0.100 |
0.100 |
0.100 |
0.100 |
0.100 |
|
Term Loan repayments: |
|
|
|
|
|
|
|
Interests |
0.000 |
1.467 |
4.073 |
4.176 |
3.090 |
2.004 |
|
Principle |
0.000 |
0.504 |
6.000 |
7.488 |
7.488 |
7.488 |
|
|
|
|
|
|
|
|
|
Total |
0.121 |
67.832 |
6.861 |
16.444 |
16.945 |
17.518 |
|
|
|
|
|
|
|
|
|
Opening Balance |
0.432 |
2.385 |
2.691 |
2.520 |
0.822 |
1.731 |
|
Surplus / Deficit |
1.953 |
0.306 |
(0.171) |
(1.698) |
0.909 |
3.114 |
|
Closing Balance |
2.385 |
2.691 |
2.520 |
0.822 |
1.731 |
4.846 |
-----------------------------------------------------------------------------------------------------------------------------
WAYS
AND MEAN OF PROJECT
(RS. IN MILLIONS)
WAYS
|
Particulars |
Total |
Term Loan |
Margin @ 33% |
|
|
|
|
|
|
Building |
15.000 |
9.750 |
5.250 |
|
Plant and Machinery |
|
|
|
|
SM74 Four Colour Imported Offset Press (Euro 362000 @ 69/-) |
24.978 |
18.734 |
6.245 |
|
High Speed Cutter (Euro 27000 @ 659/-) |
1.8763 |
1.397 |
0.466 |
|
Customs Duty on above – Taken Separately
under EPCG |
0.000 |
0.000 |
0.000 |
|
Suprasetter A75 – (Euro 82500@ 69/-) |
5.693 |
-- |
-- |
|
Customs Duty on above @ 20% |
1.139 |
5.123 |
1.708 |
|
Stabilizers, UPS. AC Etc. |
0.400 |
0.300 |
0.100 |
|
|
|
|
|
|
|
|
|
|
|
Working Capital Margin |
1.200 |
-- |
1.200 |
|
|
|
|
|
|
TOTAL |
50.272 |
35.304 |
14.968 |
|
|
|
|
|
|
MEANS OF FINANCE
|
|||
|
Particular |
(Rs. In
Millions) |
||
|
Fresh Capital |
5.668 |
|
|
|
Internal Accruals |
6.300 |
|
|
|
Unsecured Loans |
3.000 |
|
|
|
Term Lon I – Stand By |
20.131 |
|
|
|
Term Loan II |
15.173 |
|
|
|
|
50.272 |
|
|
|
|
|
|
|
|
Fund Based Limit |
|
|
|
|
Term Loan - I stand by for Import of
Equipment |
|
20.131 |
|
|
Term Loan – II |
|
15.173 |
|
|
Working Capital Loan |
|
3.500 |
|
|
|
|
|
|
|
Non Fund Limits |
|
|
|
|
LC for Import of Machinery for 1 year period
|
|
26.841 |
|
|
|
|
|
46.682 |
|
|
|
|
|
|
BG for Custom Duty under EPCG Scheme 15% of
the Customs Duty for 8 years |
7.784 |
1.168 |
|
------------------------------------------------------------------------------------------------------------------------------
STATEMENT
OF ASSETS AND LIABILITIES
MR.
RAVINDER REDDY CHAMALA
(RS. IN MILLIONS)
DETAIL OF ASSETS
A. IMMOVABLE
PROPERTY
|
Assets |
Own/ Joint Name |
Area |
Freehold or
Lease Hold |
Location/
Address |
Present Value (Rs. In
Millions) |
Whether
encumbered (Give Details) |
|
|
|
|
|
|
|
|
|
Commercial |
Own |
7130 Sft. |
Freehold |
Plot No.17, Jayabheri Pine Valley Colony, Gachibowli, Hyderabad, Andhra
Pradesh, India |
30.000 |
No |
|
Residential |
-- |
-- |
-- |
-- |
-- |
-- |
|
Flat / House |
-- |
-- |
-- |
-- |
-- |
-- |
|
Agri Land |
Own |
20+15 |
Freehold |
Village, Shrbanapuram, Alair, Mandal, Nalgonda District, India |
30.000 |
No |
|
Others |
-- |
-- |
-- |
-- |
-- |
-- |
B. MOVABLE
PROPERTY
INSURANCE POLICIES
|
Name of Company
and Branch |
Surrender Value |
|
|
|
|
HDFC Life |
Rs.0.500 Million |
VEHICLES
|
Type of Vehicles
|
Registration No. |
Model |
Year of Make |
Cost at the time
of Purchases |
RC Book Details |
Present Value |
|
|
|
|
|
|
|
|
|
Innova |
AP90BS6399 |
2.5V |
2008 |
1.200 |
Enclose |
0.800 |
|
Wagon Rq. |
AP9BX6399 |
-- |
2009 |
0.450 |
Enclose |
0.300 |
JEWELLERY
|
Particulars |
Quantity |
Valuation
(Approx) |
|
Gold |
800 Grams |
2.500 |
Capital Investment
in Business – Name of Firm/ Company
|
Name |
Amount (Rs. In Millions) |
|
Sravya Grafics |
6.000 |
|
Sravya Compact Residency |
2.000 |
DETAIL OF
LIABILITIES
|
Borrowed From |
Purpose of Loan |
Amount of Loan |
Security |
Repayments Terms
|
Outstanding
Balance |
|
|
|
|
|
|
|
|
Union Bank of India |
Vehicles |
1.100 |
Hire- Purchases |
EMI |
0.350 |
|
|
|
|
|
|
|
LEGAL HEIRS/
FAMILY PARTICULARS
|
Name |
Occupation |
Relation |
Age |
Address |
|
|
|
|
|
|
|
Mrs. M. Neeraja Reddy |
Service |
Wife |
46 years |
F. No.502, Udaya Eliters, Jayabheri Pine Valley colony, gachibowli,
Hyderabad, Andhra Pradesh, India |
|
|
|
|
|
|
|
C. Rithwik Reddy |
Student |
Son |
19 year |
F. No.502, Udaya Eliters, Jayabheri Pine Valley colony, gachibowli, Hyderabad,
Andhra Pradesh, India |
------------------------------------------------------------------------------------------------------------------------------
TRADE REFERENCE:
· Bharatiya Vidya Bhavan’s Public School
Jubileehills, Hyderabad, Andhra Pradesh, India
Contact No.: 91-9885804901
· Telukunta Ramulu and Son
Secunderabad, Andhra Pradesh, India
Contact Name: Mr. Srinath
Mobile No.: 91-9849020887
------------------------------------------------------------------------------------------------------------------------------
FIXED ASSET:
· Building
· Plant and Machinery
· Furniture
· Computer
CMT REPORT (Corruption, Money Laundering & Terrorism]
The Public Notice information has been collected from various sources
including but not limited to: The Courts,
1] INFORMATION ON
DESIGNATED PARTY
No records exist designating subject or any of its beneficial owners, controlling
shareholders or senior officers as terrorist or terrorist organization or whom
notice had been received that all financial transactions involving their assets
have been blocked or convicted, found guilty or against whom a judgement or
order had been entered in a proceedings for violating money-laundering,
anti-corruption or bribery or international economic or anti-terrorism sanction
laws or whose assets were seized, blocked, frozen or ordered forfeited for
violation of money laundering or international anti-terrorism laws.
2] Court Declaration :
No records exist to suggest that subject is
or was the subject of any formal or informal allegations, prosecutions or other
official proceeding for making any prohibited payments or other improper
payments to government officials for engaging in prohibited transactions or
with designated parties.
3] Asset Declaration :
No records exist to suggest that the property or assets of the subject
are derived from criminal conduct or a prohibited transaction.
4] Record on Financial
Crime :
Charges or conviction
registered against subject: None
5] Records on Violation of
Anti-Corruption Laws :
Charges or
investigation registered against subject: None
6] Records on Int’l Anti-Money
Laundering Laws/Standards :
Charges or
investigation registered against subject: None
7] Criminal Records
No
available information exist that suggest that subject or any of its principals
have been formally charged or convicted by a competent governmental authority
for any financial crime or under any formal investigation by a competent
government authority for any violation of anti-corruption laws or international
anti-money laundering laws or standard.
8] Affiliation with
Government :
No record
exists to suggest that any director or indirect owners, controlling
shareholders, director, officer or employee of the company is a government
official or a family member or close business associate of a Government
official.
9] Compensation Package :
Our market
survey revealed that the amount of compensation sought by the subject is fair
and reasonable and comparable to compensation paid to others for similar
services.
10] Press Report :
No press reports / filings exists on
the subject.
CORPORATE GOVERNANCE
MIRA INFORM as part of its Due Diligence do provide comments on
Corporate Governance to identify management and governance. These factors often
have been predictive and in some cases have created vulnerabilities to credit
deterioration.
Our Governance Assessment focuses principally on the interactions
between a company’s management, its Board of Directors, Shareholders and other
financial stakeholders.
CONTRAVENTION
Subject is not known to have contravened any existing local laws, regulations
or policies that prohibit, restrict or otherwise affect the terms and
conditions that could be included in the agreement with the subject.
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.55.34 |
|
|
1 |
Rs.86.45 |
|
Euro |
1 |
Rs.68.04 |
INFORMATION DETAILS
|
Report Prepared
by : |
NIT |
SCORE & RATING EXPLANATIONS
|
SCORE FACTORS |
RANGE |
POINTS |
|
HISTORY |
1~10 |
6 |
|
PAID-UP CAPITAL |
1~10 |
5 |
|
OPERATING SCALE |
1~10 |
5 |
|
FINANCIAL CONDITION |
|
|
|
--BUSINESS SCALE |
1~10 |
5 |
|
--PROFITABILIRY |
1~10 |
5 |
|
--LIQUIDITY |
1~10 |
5 |
|
--LEVERAGE |
1~10 |
5 |
|
--RESERVES |
1~10 |
5 |
|
--CREDIT LINES |
1~10 |
4 |
|
--MARGINS |
-5~5 |
-- |
|
DEMERIT POINTS |
|
|
|
--BANK CHARGES |
YES/NO |
NO |
|
--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 |
|
45 |
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 |
- |
This report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL)
or its officials.