MIRA INFORM REPORT

 

 

Report Date :

29.08.2012

 

IDENTIFICATION DETAILS

 

Name :

9X MEDIA PRIVATE LIMITED (w.e.f.30.07.2010)

 

 

Formerly Known As :

INX MEDIA PRIVATE LIMITED

 

 

Registered Office :

Urmi Corporate Park, 1st Floor, Solaris D, Opposite L and T Gate No.6, Powai-400072, Maharashtra

 

 

Country :

India

 

 

Financials (as on) :

31.03.2011

 

 

Date of Incorporation :

08.08.2006

 

 

Com. Reg. No.:

11-163657

 

 

Capital Investment / Paid-up Capital :

Rs. 240.000 Millions

 

 

CIN No.:

[Company Identification No.]

U74300MH2006PTC163657

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

MUMI07321G

 

 

PAN No.:

[Permanent Account No.]

AABCI5594D

 

 

Legal Form :

Private Limited Liability Company

 

 

Line of Business :

Subject is engaged in the business of telecasting television channels and providing broadcasting services.

 

 

No. of Employees :

Information not given by the management

 

 

RATING & COMMENTS

 

MIRA’s Rating :

B (36)

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Maximum Credit Limit :

USD 1000000

 

 

Status :

Moderate

 

 

Payment Behaviour :

Slow But Correct

 

 

Litigation :

Clear

 

 

Comments :

Subject is 9X Media Groups a super hit Punjabi music channel and it has largest music television network.

 

It is having moderate track record. The reserves of the company seem to be insufficient. However, trade relations are reported to be fair. Business is active. Payments are reported to be slow but correct.

 

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

 

NOTES :

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

 

 

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 DECLINED BY

 

Name :

Mr. Manoj Raghani

Designation :

Senior Manager

Contact No.:

91-22-66019999

Date :

28.08.2012

 

 

LOCATIONS

 

Registered Office :

Urmi Corporate Park, 1st Floor, Solaris D, Opposite L and T Gate No.6, Powai-400072, Maharashtra, India 

Tel. No.:

91-22-66019999

Fax No.:

91-22-66019898

E-Mail :

amit.kumar1@9xmedia.in

Website :

www.9xmedia.in

 

 

DIRECTORS

 

AS ON 30.09.2011

 

Name :

Mr. Darius Dinshaw Pandole

Designation :

Director

Address :

5B, Sunhine Apartment, 15B, Maharishi Karve Road, Opposite Oval Maidan, Mumbai-400020, Maharashtra, India

Date of Birth/Age :

27.04.1966

Date of Appointment :

05.04.2011

DIN No.:

00727320

 

 

Name :

Mr. Shantanu Yeshwant Nalavadi

Designation :

Director

Address :

RM2903/4/5/6, FL-29, C107, Ashok Towers 63/74, DR-SS RAo Road, Parel, Mumbai-400012, Maharashtra, India

Date of Birth/Age :

07.08.1970

Date of Appointment :

07.09.2011

DIN No.:

02104220

 

 

Name :

Mr. Pradeep Guha

Designation :

Director

Address :

701, Krishna Heights, 12th Road, Khar (West), Mumbai-400052, Maharashtra, India

Date of Birth/Age :

06.06.1952

Date of Appointment :

07.09.2011

DIN No.:

00180427

 

 

Name :

Mr. Sandeep Bansal

Designation :

Director

Address :

House No.749, Sector-8, Chandigarh-160018, India

Date of Birth/Age :

25.12.1970

Date of Appointment :

07.05.2011

DIN No.:

00094391

 

 

KEY EXECUTIVES

           

Name :

Mr. Amit Kumar

Designation :

Secretary

Address :

451, Street No.10, Sewanagar, Ghaziabad-201301, Uttar Pradesh, India

Date of Birth/Age :

10.08.1983

Date of Appointment :

09.03.2009

PAN No.:

APKPK2832D

 

 

Name :

Mr. Manoj Raghani

Designation :

Senior Manager

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

AS ON 30.09.2011

 

Names of Shareholders

No. of Shares

9X Media Employee Trust, India

5000000

Kotak Mahindra Capital Company Limited, India

128400

Kotak Mahindra Trusteeship Services Limited A/c India Growth Fund, a unit scheme of Kotak SEAF India Fund

250001

NSR-PE Mauritius LLC, Mauritius

30800000

Pradeep Guha

2621599

TOTAL

38800000

 

 

AS ON 26.03.2012

 

Names of 0.001% Compulsory Convertible Preference Shareholders (Allottees)

No. of Shares

NSR-PE Mauritius LLC, Mauritius and 9X Media Employee Trust

32653000

TOTAL

32653000

 

 

AS ON 30.09.2011

 

Equity Shares Break Up

Percentage of Holding

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

79.38

Bodies corporate

0.33

Directors or relatives of Directors

6.75

Other top fifty shareholders

12.90

TOTAL

100.00

 

BUSINESS DETAILS

 

Line of Business :

Subject is engaged in the business of telecasting television channels and providing broadcasting services.

 

 

GENERAL INFORMATION

 

No. of Employees :

Information not given by the management

 

 

Bankers :

Not Available

 

 

Facilities :

Unsecured Loan

 

Rs. In Millions

31.03.2011

Rs. In Millions

31.03.2010

Rupee term loans unsecured

 

 

Rupee term loans banks unsecured

0.000

600.000

Interest accrued due unsecured loans

 

 

Interest accrued due other debt unsecured

0.000

0.476

 

 

 

TOTAL

0.000

600.476

 

 

 

Banking Relations :

--

 

 

Financial Institution :

Zee Entertainment Enterprises Limited, 135, Dr. Annie Besant Road, Worli, Continental Building, Mumbai-400018, Maharashtra, India

 

 

Auditors :

 

Name :

S R Batliboi and Associates

Chartered Accountant

Address :

19th Floor, Express Towers, Nariman Point, Mumbai-400021, Maharashtra, India

PAN No.:

AABFS3421N

 

 

Subsidiaries :

·         INX Music Private Limited

CIN No.:- U74999MH2007PTC168801

 

 

CAPITAL STRUCTURE

 

AFTER ON 30.09.2011

 

Authorised Capital :

 

No. of Shares

Type

Value

Amount

 

 

 

 

38825000

Equity Shares

Rs.10/- each

Rs. 388.250 Millions

41175000

Compulsorily Convertible Preference Shares

Rs.10/- each

Rs. 411.750 Millions

 

TOTAL

 

Rs. 800.000 Millions

 

Issued, Subscribed & Paid-up Capital :

 

No. of Shares

Type

Value

Amount

 

 

 

 

38800000

Equity Shares

Rs.10/- each

Rs. 388.000 Millions

 

 

 

 

 

 

AS ON 31.03.2011

 

Authorised Capital :

 

No. of Shares

Type

Value

Amount

 

 

 

 

10025000

Equity Shares

Rs.10/- each

Rs. 100.250 Millions

69975000

Compulsorily Convertible Preference Shares

Rs.10/- each

Rs. 699.750 Millions

 

TOTAL

 

Rs. 800.000 Millions

 

Issued, Subscribed & Paid-up Capital :

 

No. of Shares

Type

Value

Amount

 

 

 

 

10000000

Equity Shares

Rs.10/- each

Rs. 100.000 Millions

14000000

Compulsorily Convertible Preference Shares

Rs.10/- each

Rs. 140.000 Millions

 

TOTAL

 

Rs. 240.000 Millions

 

 

AS ON 30.09.2011

 

Authorised Capital :

 

No. of Shares

Type

Value

Amount

 

 

 

 

38825000

Equity Shares

Rs.10/- each

Rs. 388.250 Millions

41175000

Compulsorily Convertible Preference Shares

Rs.10/- each

Rs. 411.750 Millions

 

TOTAL

 

Rs. 800.000 Millions

 

Issued, Subscribed & Paid-up Capital :

 

No. of Shares

Type

Value

Amount

 

 

 

 

38800000

Equity Shares

Rs.10/- each

Rs. 388.000 Millions

32653000

Compulsorily Convertible Preference Shares

Rs.10/- each

Rs. 326.530 Millions

 

TOTAL

 

Rs. 714.530 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

240.000

100.000

100.000

2] Share Application Money

0.000

0.000

0.000

3] Reserves & Surplus

11.047

7217.574

7217.574

4] (Accumulated Losses)

0.000

(7403.613)

(7287.780)

NETWORTH

251.047

(86.039)

29.794

LOAN FUNDS

 

 

 

1] Secured Loans

0.000

0.000

0.000

2] Unsecured Loans

0.000

600.476

0.000

TOTAL BORROWING

0.000

600.476

0.000

DEFERRED TAX LIABILITIES

0.000

0.000

0.000

 

 

 

 

TOTAL

251.047

514.437

29.794

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

61.101

172.947

275.433

Capital work-in-progress

0.000

0.000

0.000

 

 

 

 

INVESTMENT

25.368

0.000

0.000

DEFERREX TAX ASSETS

0.000

0.000

0.000

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

0.000

0.000

196.771

 

Sundry Debtors

205.309

133.965

287.035

 

Cash & Bank Balances

15.947

2.572

43.148

 

Other Current Assets

0.000

0.000

0.000

 

Loans & Advances

136.486

490.499

766.995

Total Current Assets

357.742

627.036

1293.949

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Sundry Creditors

140.309

225.384

1172.284

 

Other Current Liabilities

48.994

54.575

357.817

 

Provisions

3.861

5.587

9.487

Total Current Liabilities

193.164

285.546

1539.588

Net Current Assets

164.578

341.490

(245.639)

 

 

 

 

MISCELLANEOUS EXPENSES

0.000

0.000

0.000

 

 

 

 

TOTAL

251.047

514.437

29.794

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

31.03.2011

31.03.2010

31.03.2009

 

SALES

 

 

 

 

 

Advertising

751.421

688.711

1027.576

 

 

Subscription

0.497

1.905

112.942

 

 

Syndication

0.832

0.000

116.051

 

 

Other Income

29.531

4.822

61.124

 

 

TOTAL                                     (A)

782.281

695.438

1317.693

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Content and Production cost

163.501

491.234

2352.287

 

 

Personnel Expenses

191.071

239.304

534.260

 

 

Administrative Expenses

338.180

297.850

2716.130

 

 

Prior Period Expenses

0.000

44.840

55.386

 

 

Exceptional Items

0.000

(379.125)

0.000

 

 

TOTAL                                     (B)

692.752

694.102

5658.063

 

 

 

 

 

Less

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

89.529

1.336

(4340.370)

 

 

 

 

 

Less

FINANCIAL EXPENSES                         (D)

0.000

10.568

2.927

 

 

 

 

 

 

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

89.529

(9.232)

(4343.297)

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                     (F)

41.847

106.600

178.632

 

 

 

 

 

 

PROFIT / (LOSS) BEFORE TAX (E-F)                 (G)

47.682

(115.832)

(4521.929)

 

 

 

 

 

Less

TAX                                                                  (H)

0.000

0.000

6.000

 

 

 

 

 

 

PROFIT / (LOSS) AFTER TAX (G-H)                  (I)

47.682

(115.832)

(4527.929)

 

 

 

 

 

Add

Exceptional Items – Discount on settlement of creditors

16.324

0.000

0.000

 

 

 

 

 

Add

PREVIOUS YEARS’ BALANCE BROUGHT FORWARD

--

(7287.781)

(2759.852)

 

 

 

 

 

 

BALANCE CARRIED TO THE B/S

64.006

(7403.613)

(7287.781)

 

 

 

 

 

 

IMPORTS

 

 

 

 

 

Plant and Machinery

NA

0.000

50.517

 

TOTAL IMPORTS

NA

0.000

50.517

 

 

 

 

 

 

Earnings / (Loss) Per Share (Rs.)

6.40

(11.58)

(772.22)

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2011

31.03.2010

31.03.2009

PAT / Total Income

(%)

6.10

(16.66)

(343.63)

 

 

 

 

 

Net Profit Margin

(PBT/Sales)

(%)

6.33

(16.77)

(359.86)

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

11.38

(14.48)

(288.13)

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

0.19

1.35

(151.77)

 

 

 

 

 

Debt Equity Ratio

(Total Liability/Networth)

 

0.77

(10.30)

51.67

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

1.85

2.20

0.84

 

 

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

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

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

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

Yes

30]

Major Shareholders, if available

Yes

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

 

 

SUNDRY CREDITORS DETAILS

(Rs. In Millions)

Particulars

 

31.03.2011

31.03.2010

31.03.2009

Sundry Creditors

 

 

 

Creditors due small micro enterprises

0.000

0.000

0.000

Creditors due others

140.309

225.384

1172.284

TOTAL

140.309

225.384

1172.284

 

NOTE

 

Registered office has been shifted from INX House, Dr. Dadasaheb Bhadkamkar Marg, Grant Road (East), Mumbai, Maharashtra, India to the present address w.e.f. 01.07.2009

 

 

NATURE OF OPERATIONS

 

Subject is engaged in the business of telecasting television channels and providing broadcasting services. The Company operates and manages television channel 9XM' - a Hindi music channel.

 

OPERATIONAL OUTLOOK

 

During the year ended March 31, 2011, the Company has completed the transaction relating to demerger of the general entertainment channel and restructured the capital as per the Scheme of Arrangement approved by High Court, Bombay on September 9, 2010. Further, the Company has recorded profits in the year ended March 31, 2011 including cash generated from operations, which has resulted in the net worth being positive as at March 31, 2011. The Company has plans to launch regional music channels for which it is in the process of seeking the requisite regulatory approvals. As per the plans, the Company expects to grow its revenues and improve profitability. Accordingly, the Company will continue its operations for the foreseeable future and meet all its liabilities as and when they fall due and the accompanying financial statements have been prepared assuming that the Company will continue as a going concern.

 

 

COMPANY PERFORMANCE AND BUSINESS OVERVIEW

 

During the period, the Company has gone through many changes which not only revamped/restructured the company's image in the media industry but also helped in coming out of the financial distress. The Company has for the first time earned profit of Rs. 64.006 Millions during this year under consideration.

 

During the period, competitors launched Mastii channel and Sony Mix channel. Despite fierce competition and fragmentation, 9XM channel continued to register strong growth in viewership in relevant target groups.

 

 

CHANGE IN THE NAME OF THE COMPANY

 

During the period, the company's name is changed from INX Media Private Limited' to 9X Media Private Limited' vide fresh certificate of incorporation consequent upon change in name dated 30 July 2010 issued by Registrar of Companies, Maharashtra, Mumbai.

 

JOINT VENTURE WITH MR. SANDEEP BANSAL

 

Company has joined hands with Mr. Sandeep Bansal (a major distributor of television channels in Punjab market) for expansion of its presence in media and other related activities by distribution of channels, content aggregation etc. Company's subsidiary INX Music Private Limited is used as a JV Company for this, wherein 9X Media Private Limited currently holds 76% of the equity stake.

 

The said JV started providing content of a Punjabi music channel 9X Tashan' that is majorly distributed in Punjab, Himachal Pradesh, Haryana and Chandigarh.

 

 

FIXED ASSETS

 

·         Computer Hardware

·         Office Equipments

·         Plant and Machinery

·         Lease Hold Premises

·         Satellite Receiver

·         Furniture and Fixtures

 


NEWS

 

PRESS RELEASE

 

INDIA’S NO. 1 PUNJABI MUSIC CHANNEL 9X TASHAN NOW ALSO AVAILABLE ON TATA SKY

MEDIA RELEASE MUMBAI JULY 2, 2012

 

9X Media Group’s Super Hit Punjabi Music Channel – 9X Tashan, is now also available on the premier DTH platform Tata Sky on EPG #884.

 

Commenting on the initiative, Mr. Sandip Bansal, Managing Director 9X Tashan, said, “We are delighted to announce that Tata Sky subscribers can now enjoy the best Punjabi Music and humorous short format shows aired on 9X Tashan. The Channel has an uptempo, vibrant, happy and humorous personality which has made 9X Tashan the most preferred Punjabi Music destination for viewers across all age groups.”

 

Ms. Nicola Bamford, Chief Content and Business Development Officer, Tata Sky Limited said, “Our endeavor has always been to provide the most relevant content to our growing subscriber base. Today, Tata Sky engages every member of the family with the most comprehensive range of entertainment and music content in the comfort of their homes. The launch of India’s leading Punjabi Music Channel 9X Tashan on our platform underscores our continued commitment to add the very best to Tata Sky’s growing portfolio of channels and further increase the entertainment value of Tata Sky to a higher level.”

 

Launched on 31st August 2011, 9X Tashan is widely available across cable and satellite homes. The Channel is streamed LIVE on the internet on the channel’s website – www.9xtashan.in and on various Mobile platforms. 9X Tashan has created television history in India by registering an unprecedented growth of over 100 GRPs in the opening week of its launch across the Punjab, Haryana, Chandigarh and Himachal Pradesh (PHCHP) Markets.

 

 


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 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. 55.77

UK Pound

1

Rs. 88.04

Euro

1

Rs. 69.62

 

 

INFORMATION DETAILS

 

Information Gathered by :

SBA

 

 

Report Prepared by :

DPT


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

4

PAID-UP CAPITAL

1~10

4

OPERATING SCALE

1~10

4

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

4

--PROFITABILIRY

1~10

4

--LIQUIDITY

1~10

4

--LEVERAGE

1~10

4

--RESERVES

1~10

4

--CREDIT LINES

1~10

4

--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

 

36

 

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.