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Report Date : |
07.12.2012 |
IDENTIFICATION DETAILS
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Name : |
RAMAKRISHNA |
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Registered
Office : |
99, |
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Country : |
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Date of
Incorporation : |
24.07.1932 |
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Legal Form : |
Trust |
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Line of Business
: |
Provides training to Nurses and Midwives, Education facilities,
Medical assistance and etc. |
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No. of Employees
: |
Not Available |
RATING & COMMENTS
|
MIRA’s Rating : |
Ba (53) |
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RATING |
STATUS |
PROPOSED CREDIT LINE |
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41-55 |
Ba |
Overall operation is considered normal. Capable to meet normal
commitments. |
Satisfactory |
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Status : |
Satisfactory |
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Payment Behaviour : |
Usually correct |
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Litigation : |
Clear |
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Comments : |
Subject is an old and well established Institution having satisfactory
track. It has always been working towards the aim of serving all types of patients
in the spirit of worship of God. It provides training to Nurses and Midwives,
Education facilities, Medical assistance and etc. Trade relations are reported as decent. Business is active. Payment
terms are usually correct. The institution can be considered for business dealings at usual trade
terms and conditions. |
NOTES :
Any query related to this report can be made
on e-mail : infodept@mirainform.com
while quoting report number, name and date.
ECGC Country Risk Classification List – June 30, 2012
|
Country Name |
Previous Rating (31.03.2012) |
Current Rating (30.06.2012) |
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A1 |
A1 |
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Risk Category |
ECGC
Classification |
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Insignificant |
A1 |
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Low |
A2 |
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Moderate |
B1 |
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High |
B2 |
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Very High |
C1 |
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Restricted |
C2 |
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Off-credit |
D |
INDIAN ECONOMIC OVERVIEW
India is developing into an open-market economy, yet traces of
its past autarkic policies remain. Economic liberalization, including
industrial deregulation, privatization of state-owned enterprises, and reduced
controls on foreign trade and investment, began in the early 1990s and has
served to accelerate the country's growth, which has averaged more than 7% per
year since 1997. India's diverse economy encompasses traditional village
farming, modern agriculture, handicrafts, a wide range of modern industries,
and a multitude of services. Slightly more than half of the work force is in
agriculture, but services are the major source of economic growth, accounting
for more than half of India's output, with only one-third of its labor force.
India has capitalized on its large educated English-speaking population to become
a major exporter of information technology services and software workers. In
2010, the Indian economy rebounded robustly from the global financial crisis -
in large part because of strong domestic demand - and growth exceeded 8%
year-on-year in real terms. However, India's economic growth in 2011 slowed
because of persistently high inflation and interest rates and little progress
on economic reforms. High international crude prices have exacerbated the
government's fuel subsidy expenditures contributing to a higher fiscal deficit,
and a worsening current account deficit. Little economic reform took place in
2011 largely due to corruption scandals that have slowed legislative work.
India's medium-term growth outlook is positive due to a young population and
corresponding low dependency ratio, healthy savings and investment rates, and
increasing integration into the global economy. India has many long-term
challenges that it has not yet fully addressed, including widespread poverty,
inadequate physical and social infrastructure, limited non-agricultural
employment opportunities, scarce access to quality basic and higher education,
and accommodating rural-to-urban migration.
|
Source
: CIA |
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. Swami Muktesanand |
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Contact No.: |
91-9830744433 |
|
Date : |
06.12.2012 |
LOCATIONS
|
Registered Office : |
99, Sarat Bose Road, Kolkata – 700026, West Bengal, India |
|
Tel. No.: |
91-33-24753636 (4 Lines)/ 24760631/ 80/ 81 |
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Fax No.: |
Not Available |
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E-Mail : |
Not Available |
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Website : |
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Branch : |
P.O. Belur Math, District Howrah – 711202, West Bengal, India |
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Website : |
MANAGEMENT
|
Name : |
Mr. Swami Dayanandaji Maharaj |
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Designation : |
Founder |
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 |
No |
|
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 |
No |
|
12] |
Profitability for last
three years |
No |
|
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 involved in |
-- |
|
23] |
Banking Details |
No |
|
24] |
Banking facility details |
No |
|
25] |
Conduct of the banking
account |
-- |
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26] |
Buyer visit details |
-- |
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27] |
Financials, if provided |
No |
|
28] |
Incorporation details, if
applicable |
Yes |
|
29] |
Last accounts filed at
ROC |
No |
|
30] |
Major Shareholders, if
available |
No |
|
31] |
Date of Birth of
Proprietor/Partner/Director, if available |
No |
|
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 |
THEIR AIMS
The Institution was established with the following primary objectives:
1. To serve the sick and suffering humanity irrespective of race, colour or creed, in the spirit: Service to Man is Service to God.
2. To render efficient Antenatal, Natal and Postnatal Care to minimize the maternal and infant mortality rates.
3. To train Nurses and Midwives in an atmosphere worthy of India’s tradition, so that they will serve humanity in a spirit of dedication.
4. To provide facilities for post-graduate teaching and research in medicine.
5. To publish journals and pamphlets on medical subjects.
6. To provide medical assistance in rural areas, where the need is greater.
The Ramakrishna Mission Seva Pratishthan family has always been working towards the aim of serving all types of patients in the spirit of worship of God. Within the limitations of a modest set-up, these services in the field of medical care are being rendered to all classes of people of the society, particularly to the economically weaker sections.
GENESIS
The concept of ‘SISHU-MANGAL’ i.e. welfare of the new-borns and their mothers in the then prevailing distressing conditions in their country occurred in a dream to Swami Dayananda, a monk of the Ramakrishna Order and a disciple of the Holy Mother Sarada Devi. He was in San Francisco during the years 1926-1931, and it was there that he first became interested in the maternity and nursing work that played such a vital part in his later life. He was very much impressed by the health and care of the American babies and children and this generated the enthusiasm for starting the maternity and child welfare service in India. There was another reason for selecting this particular line of work. Inspired by Swami Vivekananda’s ideas and ideals on Practical Vedanta, although the Ramakrishna Mission had started many schools, dispensaries and hospitals all over India by then, it had no institution that specially cared for infants and their mothers, although maternal and infant mortality rates were appallingly high in India at that time. One Swami Dayananda said to himself, “God willing, that would be my future work in India.” He also got inspiration by visiting a few maternity and child welfare centres in Russia on his return journey to India in 1932.
Immediately after
returning, he visited a newly built health centre near Trivandrum on his
pilgrimage to South India. Thereafter he submitted his plan to the Mission
authorities and assured them that he would bear the responsibility of the
planned institution as long as he lived. He kept this vow till the last day of
his life.
The dream of Swami Dayananda came true on 24 July 1932 when Ramakrishna Mission
Sishumangal Pratishthan was established in a two-storied rented building at 104
Bakul Bagan Road, in South Calcutta. Three experienced nurses, German Sister
Rama (Miss Pfeffer), American Sister Mrs. Lilian Engstrand and Marathi Sister
Saraswati (Miss Ramabai Palekar) joined one after the other. Clinics were
arranged for pregnant mothers and babies. Arrangements were also made for
regular lectures on pregnancy and baby care, and the workers started
distributing pamphlets of instructions to pregnant mothers.
The institution continued to grow and public awareness regarding the prevention
of premature death of mothers and infants increased. Septic cases were reduced
to only 3%. In December 1933, seven beds for mothers and seven others for
children were started. In 1936, the first batch of six midwifery students
appeared for the examination and all successfully qualified. They were in the
due course recognized and registered by the Bengal Nursing Council.
The Institution had its own building in 1939. Bed strength gradually rose to
250.
In 1956, the institution got expanded into a General Hospital by the addition of Medical and Surgical units and in 1957 it was renamed “Ramakrishna Mission Seva Pratishthan (better put in bold rather than caps).”
Today, Ramakrishna Mission Seva Pratishthan is the largest medical centre run by the Ramakrishna Mission and is serving the people through its following four wings:
1. General Hospital
2. School of Nursing and Ma Sarada College of Nursing
3. Vivekananda Institute of Medical Sciences (VIMS)
4. Community Health Services
MILESTONES
The institution (then named the Shishumangal Pratishthan) was started on July 24, 1932 in a two-storeyed rented house at 104, Bakul Bagan Road, Bhowanipur, Calcutta, with financial help from Miss Helen Rubel (Sister Bhakti) of Providence, USA and the honorary services of Sister Roma (Miss Pfeffer) and Sister Lillian Engstrand from the USA, Sister Saraswati (Mrs. Ramabai Palekar) and others. Domiciliary Maternity Service and Outdoor Antenatal and Postnatal Clinic were started first, and a year later, the Indoor Section with 7 beds for mothers and 9 beds for babies was added.
During the first year 210 mothers received antenatal care, 105 domiciliary
deliveries were conducted and 161 cases were seen by the Child Care Department.
(The care of neonates, infants and toddlers was, and still is, the particular
concern of this institution). (At a time when the maternal mortality rate in
Bengal was 50 per thousand and that of infant mortality about 180 per thousand,
there were, among the 105 deliveries conducted by the institution, no maternal
deaths and only two infant deaths).
1938
Land measuring about 3/4 acre at 99 Lansdowne Road (now Sarat Bose Road) was
purchased from the Corporation of Calcutta and on 4-3-1938, the foundation
stone for the hospital building was laid by Srimat Swami Vijnananandaji
Maharaj, a direct disciple of Sri Ramakrishna and the 4th President of the
Ramakrishna Math and Mission.
1939
A two-storeyed hospital building with accommodation for the Outdoor Department and 50 beds (21 free), was built and was consecrated on 31-5-1939 by Srimat Swami Virajanandaji Maharaj, the 6th President of Ramakrishna Math and Mission.
1944
The institution was recognised by Bengal Nursing Council as a training centre for Senior and Junior Midwives.
1946
The number of beds was raised to 100.
1950
Two storeys (3rd and 4th) were added to the hospital building. The number of
beds went up to 150 (free 50).
1953
With an Indian Council of Medical Research grant research was started on the
"Physiological study of breast milk and its correlation with the
sub-nutritional status of the newborn in India" and it continued for two
years.
Adjoining land measuring about 3/4 acre was acquired and construction of the
Nurses' Hostel and other Staff Quarters was started.
1955
Construction of a two-storeyed Nurses' Hostel and three other Stuff Quarters
was completed.
1956
The Institution was expanded into a General Hospital by the addition of Medical
and Surgical Sections with 25 beds for men, 25 for women and 10 for children.
The number of beds increased to 210, of which 70 were free.
The institution was recognised by the West Bengal Nursing Council for the
training of Auxiliary Nurse-Midwives.
1957
The Institution was renamed "Ramakrishna Mission Seva Pratishthan".
It was recognised by the West Bengal Nursing Council for the training of
General Nurse-Midwives.
1959
Construction of the General Hospital Block was commenced.
1962
The six-storeyed General Hospital Block accommodating the general Out-patients'
Department, 140 beds for Medical, Surgical, Eye, ENT and other cases and six
air-conditioned operation theatres, was completed and was consecrated on
29-09-1962 by Srimat Swami Madhavanandaji Maharaj, the 9th President of the
Ramakrishna Math and Mission. The number of beds then rose to 350.
1963
Formal opening of the General Hospital Block was performed by Prime Minister
Shri Jawaharlal Nehru on 1-7-1963.
The institution was recognised by the Calcutta University for postgraduate teaching and research for the MO, MD and MS degrees. Since then research is being conducted in various branches of medicine.
1964
The Family Welfare Planning Centre was opened.
1965
Construction of a seven-storeyed block to accommodate part of the Outpatients'
Department, Laboratory and 100 beds commenced.
Construction of three more storeys (3rd, 4th and 5th) for the Nurses' Hostel
was also started.
Two floors were added to two Staff Quarters.
Rural Community Health Centre was started near Sarisha.
1966
Recognised by the Medical Council of India for Compulsory Rotatory Training of
fresh medical graduates.
1967
The number of beds rose to 400.
1968
Bed strength was raised to 425.
1972
Bed strength was raised to 475.
Recognised by the Ministry of Health for Central Government Health Scheme.
Consecration of the 7-storeyed southern wing was performed by Srimat Swami
Dayanandaji Maharaj on August 14, 1972 It was declared open on August 15, 1972
by Shri Siddhartha Sankar Ray, Chief Minister. The 4th floor accommodated 2 new
Operation Theatres, a seminar hall and the Medical Library. The 5th floor with
30 beds accommodated the Eye ward. The topmost floor accommodated 35 beds. A
portion of this floor was named "Premananda Ward".
1973
Heart Clinic was opened on May 9, 1973.
1974
Vivekananda Institute of Medical Sciences was recognised by Calcutta University
for conducting D.C.H. & D.G.O. Courses
1975
Vivekananda Institue of Medical Sciences was recognised by Calcutta University
for D.O. Course.
1976
Bed strength was raised to 510.
Sm. Indira Gandhi, Prime Minister paid a visit to the Pratishthan on July 29,
1976.
1977
Vivekananda Institute of Medical Sciences was recognised by Calcutta University
for conducting D.L.O. Course.
Recognised by the Indian Council of Medical Research and Ministry of Finance as
a research centre and granted exemption under Section 35(1) (ii) of I.T. Act.
Foundation stone of the proposed new building on the land acquired by the State
Govt. for the Pratishthan was laid by Srimat Swami Vireswaranandaji Maharaj,
President of the Ramakrishna Math and Mission, on July 14, 1977.
Shri Nandlal Tantia donated Rs. 50 lakhs for the proposed building and it was
decided that after the completion of the building it would house, among other
things, the Rameshwar Tantia Research Centre in memory of his father Late
Rameshwar Tantia.
1978
Biannual Journal of the Vivekananda Institute of Medical Sciences was started.
Mobile Medical Unit was organised to cover two areas- Arapanch comprising 10
villages, and Barisha comprising 5 villages and 12 semi-urban areas.
1979
Bed strength was raised to 526. Recognised by the Medical Council of India for
Post-graduate teaching.
Extended Intensive Coronary Care Unit and Intensive Care Unit of 12 beds was inaugurated by Srimat Swami Vireswaranandaji Maharaj, President, Ramakrishna Math and Mission, on January 1, 1979.
Diabetic Clinic was opened.
Hearing and Speech Research Clinic was opened with grant-in-aid from the
Ministry of Social Welfare.
Neurology Unit was opened.
1980
The Family Welfare Centre was upgraded into a Post-Partum Unit with greater
responsibilities from 1-1-1980.
1981
Glaucoma Clinic was opened.
Gynaecological Endoscopy Training Course (Laproscopic techniques), the first of
its type in West Bengal was started.
The Indian Council of Medical Research entrusted Vivekananda Institue of
Medical Sciences with the responsibility of carrying out some research projects
of national importance and gave grants for the same.
1982
Consecretation of 3-storeyed building of Vivekananda Institute of Medical
Sciences and Rameshwar Tantia Research Centre was done by Srimat Swami
Vireswaranandaji Maharaj.
Golden Jubilee Celebration was held from July 24 to 30 (1st phase). Among other
functions, a 4-day long Scientific Symposium was held from July 25 to 28 with
all-India participation.
The Dialysis Unit was started.
1983
With a donation received from the Netherlands Government, two Dialysis machines
and one Deep X-ray Therapy machine were purchased.
The concluding phase of Golden Jubilee celebration was held form July 24 to 26,
1983. On this occasion the first three floors of the building of Vivekananda
Institute of Medical Sciences and Rameshwar Tantia Research Centre and the
Dialysis Unit were formally inaugurated by the State Governor.
The Siamese Twins born at the Pratishthan in 1982 were successfully separated
by Surgery.
1984
The Medical Council of India granted formal recognition to the postgraduate
teachers of this institution. The bed strength was raised to 550.
1985
The World Health Organisation sponsored a 3-day workshop on "Acute and
Respiratory Disorder in Childhood and Infancy" held in this institution on
all India basis.
1986
The old 3-storied building on the south-east corner that was acquired for Seva
Pratishthan by the State Government was demolished and construction of
Fatehpuria Block began.
1987
A used Brain Scanner was donated by a group of Indian doctors and other
well-wishers in England. The Brain Scanning unit was inaugurated by the then
Chief Minister of West Bengal in the ground floor of Fatehpuria Block.
The Vivekananda Institute of Medical Sciences was recognized by the University
Grants Commission.
1989
Construction of the 7-storied Fatehpuria Block was completed.
1990
The Neurology and Nephrology Units that were earlier functioning from the 'B'
Block of the main hospital building were shifted to the 1st and 5th floors
respectively in the Fatehpuria Block.
Construction of 3rd floor of VIMS building was completed. The Department of
Pathology and Blood Bank were shifted here.
1991
The Echocardiography unit was started with a donation from M/S. Peerless
General Finance & Investment Co. Ltd. in March 1991 in Fatehpuria Block
ground floor.
Ultrasonography unit was started in April 1991 in Fatehpuria Block ground
floor.
Construction of half portion of the 4th floor of VIMS building could be
completed this year for housing some resident doctors.
1994
Substantial financial assistance was received from the Planning Commission of
the Government of India for a number of important items of equipment and for
construction of the remaining half of the 4th floor of VIMS building.
Construction of the same started.
The Planning Commision and M/S. Jindal Aluminium Ltd. of Bangalore gave donation
for a Wholebody C.T. Scanner. The Wholebody Scanner was formally inaugurated by
the then Chief Minister of West Bengal in May 1994.
1995
Acquired with 1994 Planning Commission grant, the Holter Monitor and Treadmill
ECG equipment were installed and inaugurated on January 12, 1995. Also with the
same grant an Autoanalyser and Blood Gas Analyser were installed in the
Laboratory on July 15, 1995.
Vivekananda Institute of Medical Sciences received recognition for 2-year
D.R.D. Tech Course from May 1995 session.
Construction of the 2nd half of 4th floor of VIMS Building was completed to
accommodate more postgraduate trainees and other resident doctors.
Also the following items were acquired with Planning Commission grant and
installed:
1. Two new lifts
2. One Image Intensifier for O.T.
3. Video Endoscope
4. Trinocular Microscope
1997
With Planning Commission grant, OpG X-ray System for Dental Department, RIA
Counter for Biochemistry Laboratory and EMG equipment for Neurology Unit were
acquired.
A 2-year D.M.L.T. Course was started at VIMS from May 1997 session.
1999
A social development project was initiated for rehousing of 74 poor
slum-dwelling families, who were living in unhygienic conditions, in a plot of land
owned by this Pratishthan in Bagmari area of Kolkata.
2001
With financial assistance of the Planning Commission, a Wholebody Spiral C.T.
Scanner, 3 Dialysis machines, Phaco System for Eye Surgery and Laparoscope for
gynaecological surgery were acquired. Also acquired package type
airconditioners for the ICCU / ITU and the Seminar Hall. Also installed with
same assistance Visual Field Recording Instrument for Glaucoma Treatment.
2002
An adjacent plot of slum land at 14/4 Grove Lane acquired by the State
Government for development of the Seva Pratishthan came to our possession in
November 2002. Prior to that, the Seva Pratishthan handed over to each of the
74 poor families one 380 sq. ft. commodious ownership flat free of cost at a
function on 14-04-2002.
The then President of the Order, Srimat Swami Ranganathanandaji Maharaj, gave
benediction and Srimat Swami Gahananandaji Maharaj, inaugurated the housing
complex.
With the financial assistance of Kumari Vasavdatta Foundation equipments were
installed and Day Care Unit started functioning from 18th November, 2002 for
benefit of antenatal cases.
With the same financial assistance one Digital High Pressure Sterilizer was
also installed.
With the financial assistance of Planning Commission two lifts, one in VIMS
building and other in A Block were installed.
2003
For the first time VIMS was chosen as the venue of the MRCOG examination of
U.K.
MRCOG examinations of both Part I and II were held in March 2003. Also for the
first time Calcutta University Degree / Diploma / M.Ch. /D.M. theory
examinations were held in our Institution.
2004
VIMS received recognition from National Board of Examinations (for DNB) in June
2004 for Surgery, Medicine, Paediatrics, Obs. and Gyanaecology, Anesthesiology
and Pathology.
2005
On 24-01-2005 Srimat Swami Gahananandaji Maharaj, then Senior Vice-President,
laid the foundation stone for a new 7-storied Hospital Extension Block. The
plot of land at 14/4, Grove Lane from where the slum-dwellers were provided free
ownership flats in Bagmari area by the Pratishthan.
Ma Sarada College of Nursing for conducting B.Sc. (Hons.) Nursing course of the
West Bengal University of Health Sciences was inaugurated in October 2005 by
Revered Gahananandaji Maharaj, then President of the Order.
VIMS further received recognition of DNB Board for Radiodiagnosis in January
2005 and Orthopaedics in June 2005.
2006
After completing all Municipal and Government formalities initial work at the
construction site of the Hospital Extension Building was started in January
2006
In 2006 DNB Board recognized VIMS for Family Medicine and super speciality of
Neuro-Medicine.
The West Bengal University of Health Sciences recognized VIMS for the 4½ year
Bachelor of Physiotherapy Course (BPT) from 2006 session.
2007
The Pratishthan completed 75 years of service to the people on July 24, 2007,
and is celebrating the Platinum Jubilee in phases.
Construction of new 7-storied extension block was completed and the building
inaugurated by Srimat Swami Gahananandaji Maharaj, the then President of the
Order on July 24, 2007. The building accommodates the following facilities:
1. Reception and a modern Emergency Department
2. Paediatric Wards with advanced treatment facilities including intensive neonatal care unit.
3. Diagnostic facilities for outdoor patients
4. Canteen for patients, staff and visitors
5. Waiting Hall for patients' relatives
6. School of Nursing and College of Nursing
7. Dayananda Hall
The West Bengal University of Technology has recognized VIMS for conducting the 4-year Bachelor of Optometry (B. Optom.) course from 2007 session.
Postgraduate Medical Courses conducted
Postgraduate Degree Courses of the W.B. University of Health Sciences.
1. M.D. (Medicine)
2. M.D. (Paediatrics)
3. M.S. (Obs. & Gynae)
4. M.S. (Surgery)
5. M.S. (Ophthalmology)
6. M.S. (E.N.T.)
Postgraduate Diploma Courses of the W.B. University of Health Sciences.
1. D. Ortho
2. D.M.R.D.
3. D.C.H.
4. D.G.O.
5. D.O.
6. D.A.
7. D.L.O.
D.N.B. (Diplomate National Board) Courses of the National Board of Examinations.
1. D.N.B. (Medicine)
2. D.N.B. (Paediatrics)
3. D.N.B. (Obs. and Gynae)
4. D.N.B. (General Surgery)
5. D.N.B. (Orthopaedics)
6. D.N.B. (Family Medicine)
7. D.N.B. (Anaesthesiology)
8. D.N.B. (E.N.T.)
9. D.N.B. (Pathology)
10. D.N.B. (Radiodiagnosis)
11. D.N.B. (Urology) (Super Speciality)
12. D.N.B. (Neurology) (Super Speciality)
Paramedical Courses conducted
1. BPT (Bachelor of physiotherapy) of the W.B. University of Health Sciences.
2. B.Optm. (Bachelor of Optometry) of the W.B. University of Health Sciences.
3. DMLT (Diploma in Medical Laboratory Technology) of the State Medical
Faculty.
4. DRD Tech (Diploma in Radiographic Diagnostic Technology) of the State
Medical Faculty.
COMMUNITY HEALTH AND SOCIAL SERVICES
In view of the Community Health Nursing being included in the Nurses’ Training Course in 1963, two areas, one urban and the other rural, were selected for training of nursing students. The urban area was very near the hospital while a group of villages near Sarisha, South 24 Parganas, formed the rural area.
Groups of student nurses under the guidance of qualified staff visited all the houses in two selected areas, collected necessary data and advised people on their health and hygiene problems. The people of these areas got free immunisation, hospital facilities and domiciliary treatment, while the mothers were given antenatal and postnatal care. Health check-up of the students of the school selected in the rural area was done regularly.
The mobile medical unit attached to Community Health Service visits Sarisha (40 km.) covering 23 villages with a population of about 20000 and Arapanch (20 km.) covering 10 villages with a population of about 15000 twice a week and provides free treatment to about 200 patients daily. The critically ill patients are sent to the main hospital for treatment as and when necessary. Free eye camps are held for patients from areas served by the mobile unit every year. At Sarisha, a School Health Programme is also conducted. A mothercraft class is also held once a week. Regular antenatal check-up is carried on in which high-risk mothers are identified and referred to the Pratishthan. Immunisation programme is implemented against Measles, Diphtheria, Whooping Cough and Tetanus for children in these rural areas. In 2008-09 and 2009-10 the mobile unit served 35774 and 32427 patients respectively.
FUTURE PLANS
Considering the increasing demand for its services and present day health-care needs of the people, the Seva Pratishthan has plans to try to set up /introduce the following facilities/services in phases in future.
1. MRI Facility
2. Cath. Lab. for Cardiac Angiography
3. Arrangements for Bypass Cardiac Surgery
4. Undergraduate Medical College
HOSPITAL
SARADA PHARMACY
The Management of this Pratishthan decided to set up a medicine Shop inside the hospital campus, named SARADA PHARMACY - a unit of Ramakrishna Mission Seva Pratishthan which will be exclusively controlled, owned and managed by us.
The said Medicine shop was inaugurated by Srimat Swami Vaghishanandaji Maharaj, a senior Trustee of Ramakrishna Order & President, Ramakrishna Math, Cossipore, on the Tithipuja day of Holy Mother Sri Sarada Devi on 17-12-2011 (Saturday) at 9-30 a.m.
The Medicine
shop is open 24 hours on all days. It also provides 10% discount on all
medicines.
With a view to facilitate service to the patients under treatment in the indoor
department of this hospital, the management has made arrangements to supply all
required medicines to the indoor patients directly from the hospital
pharmacy. This will surely give some relief to the patients’ family
members as they will not be required to spend long hours in collecting
medicines for the patients.
The new arrangement has come into force w.e.f. 03-07-2012. From that date an advance payment of Rs. 5000/- (Rupees five thousand) only will be collected from each patient for medicines at the time of the patient’s admission. Further payment will only be necessary if the patient’s stay is extended and/or the first advance payment is exhausted. Those admitted before 03-07-2012 but required to be in the ward after that date will also be required to make an advance payment of Rs. 5000/- (Rupees five thousand) for medicines within 07-07-2012. Any unutilized amount in this regard will be refunded at the time of discharge.
NURSING COLLEGE
Ma Sarada College of Nursing
Nursing is a healthcare profession focused on the care of individuals, families, and communities so that they may attain, maintain or recover optimal health and quality of life from birth to death and this calls for total dedication and a lot of sacrifice. The mission of Ma Sarada College of Nursing is to provide loyal, efficient and honest comprehensive nursing services for promotion of health and well-being of mankind without any distinction of caste, creed, religion, sex and nationality. Today, Nursing has become a dynamic profession worldwide. The newer and holistic concepts of health have brought newer challenges to Nursing and to meet these challenges and demands of the society, upgradation of nursing education to collegiate level becomes essential. Ramakrishna Mission Seva Pratishthan started Ma Sarada College of Nursing within its campus to fulfill this need.
The College is situated in Fatehpuria Block and Adhish Chandra Sinha Memorial Building inside the hospital premises. It provides a conducive atmosphere, credible learning opportunities, and quality grooming to those who want to pursue Nursing as a profession. It also encourages students to prepare themselves to become efficient nurses ready to serve the mankind anywhere in the world with competence and compassion.
OBJECTIVE OF THE B.SC. NURSING PROGRAMME:
On completion of the course the students will be able to:
Ø Function as efficient members of a health team and as worthy citizens of the country.
Ø Give competent professional services and nursing care to meet patho-physiological, emotional, social and spiritual needs of the patients as well as contribute to the maintenance of health and prevention of disease and participation in rehabilitation both of clients in the hospital and community.
Ø Demonstrate desirable intra-personal relationships so that they may work effectively as members of the health team, making worthwhile contribution to the welfare of individuals, families in the community, and care of patients in home and in hospital.
Ø Develop proficiency, apply the skills and techniques of nursing based on principles and concepts from selected areas of physical, biological and behavioural sciences, which is necessary for promoting a patients’ health and assisting in his recovery and rehabilitation.
Ø Continue their personal and professional growth and to assist constantly in improving the quality of nursing provided by the professional to the society.
Ø Seek opportunities through curricular, co-curricular and extracurricular activities to inculcate qualities of leadership and independent decision making for the optimum development of the personalities of each individual student.
Ø Find opportunities of such learning activities, which would, after sufficient experiences in the clinical field, help a student assume first level administrative and teaching positions in the community and institution.
Ø Develop knowledge of influence of the family and socio-economic condition, which helps the individual understand the maladies of the patients and their attitude and reaction to them.
Accreditation:
The programme is fully accredited by the Indian Nursing Council (August 2005).
The College is under the affiliation of the West Bengal University of Health
Sciences with effect from July 2005.
FACILITIES AND FEATURES
Hostel facility:
Since the course is a residential course, candidates need to stay in our
Nursing Hostel for 4 years.
Award of Degree:
1. After passing in all the four parts of the examination, a candidate will be awarded B.Sc. in Nursing degree under the seal of the University and signed by the Vice Chancellor.
2. The student who will secure the first place with first class shall receive a certificate of merit along with the degree.
Library:
There is a well-equipped library for the students in the College of Nursing.
Educational Trips:
Educational trips are arranged from time to time during the course and the
students have to bear the full expense of the trip.
Bond:
Candidates have to serve the institution for at least one
year after publication of result or subject to amendment from time to time if
deemed necessary by the management.
VIVEKANANDA INSTITUTE OF MEDICAL SCIENCES (VIMS)
Vivekananda Institute of Medical Sciences (VIMS), the academic wing of the Ramakrishna Mission Seva Pratishthan came into existence during the birth centenary of Swami Vivekananda in 1963, when it was recognized by Calcutta University for Post Graduate Medical training and research activities. Since then, the institute has been conducting various PG courses for different disciplines of medicine. Bachelor Degree & Diploma Courses for some paramedical subjects were also started in course of time. Eminent research workers are conducting research on medical and allied subjects for the benefit of mankind. Scholars are engaged here for Ph.D. Thesis work and many of them have been awarded the degree.
At the time of inception, the institute started functioning on the 5th floor of the main building (B Block). As the institute continued to grow, the need was felt for a separate building to house all laboratories with class rooms, Seminar Hall, Medical Library, service-oriented research facilities of the institute, etc. The foundation stone of this building was laid in July 1977 by Most Revered Swami Vireswarananda, the then President of Ramakrishna Math and Ramakrishna Mission. The building was subsequently inaugurated on 24th July 1982, the Golden Jubilee year of the Pratishthan. The present 5 storyed V.I.M.S. building took almost 20 years for completion in various stages due to lack of funds.
An Academic Council guided the academic activities of the institute up to 1981-82. A Governing Body was formed in the year 1982-83. The Academic Head of the Institute was termed as Dean. Professor Ajit Kumar Basu, MBBS, MS, FRCS, FICS, FACS, was the 1st Dean of VIMS and he continued up to 1982 and afterwards the following were the torchbearers:
Prof. Shyamal Sen, MBBS, MD, FRCP
Prof. Tarun Deb Moulik, MBBS, MS, FACS
Prof. Gita Talukder, MBBS, MD, Ph.D
Prof. Abinash Chandoke, MBBS, DGO, MRCOG
Prof. Dilip Mukherjee, MBBS, DCH, MD, Ph.D
Prof. Amal Chakraborty, MBBS, MS, FRCS
Prof. Ashoke Kumar Saraf (Present), MBBS, MS, FRCS, FICS
In due course of time the Institute was recognized by the Medical Council of
India (MCI) for PG degree courses. Presently it is an M.C.I. recognized
institute for admission and training in PG Medical Degree & Diploma in
eight (8) disciplines viz :
1. General Medicine (5 seats in degree)
2. General Surgery (1 seat in degree)
3. Obs. and Gynae (5 seats in degree & 3 in diploma)
4. Paediatrics (1 seat in degree and 3 in diploma)
5. E.N.T. (1 seat in degree and diploma each)
6. Ophthalmology (1 seat in degree and diploma each)
7. Pathology (2 seats in degree) and
8. Anaesthesiology (2 seats in degree)
The Institute is presently affiliated to the West Bengal University of Health Sciences.
The National Board of Examinations also accredited this Institute for admission and training in the DNB course in different specialties and super specialties. This institute is presently conducting DNB course in Radio Diagnosis and Urology.
VIMS was recognized by the Indian Council of Medical Research for conducting research on basic and clinical medical sciences in 1981 and The University Grants Commission in 1987. The Council of Scientific and Industrial Research recognized and sanctioned research grants in due course for VIMS. Other funding agencies that have recognized this institute as a research centre and sanctioned research grants to carry out various research projects for the benefit of all kinds of people are:
Department of Science and Technology (DST) - Central and State
Department of Biotechnology (DBT) - Central and State
National Tea Research Foundation (NTRF) etc.
Diploma in Medical Laboratory Technology (DMLT) course is being conducted since 1997 and Diploma in Radiography (DRD) Technology course since 1996. Both the courses are affiliated to the State Medical Faculty, West Bengal. Candidates who have passed H.S. examination or equivalent with Physics, Chemistry and Biology are eligible to apply for the courses. The selection is being made on the basis of the marks obtained in the said subjects through a central counseling procedure. The session starts from 1st September every year.
A 4 Years’ Bachelor in Physiotherapy (BPT) course (since 2006), B.Sc. in Critical Care Technology and B.Sc. in Operation Theatre Technology courses (since 2010) were started and the institution has got affiliation for this from the West Bengal University of Health Sciences. Qualifications for admission for the said courses are similar as mentioned for DMLT and DRD courses. The session starts from 1st September of the year.
The Medical Library
The institute has a central medical library with more than 4000 books, 2500 journals and 20 international medical journals. The national journals of various medical disciplines are also available here. Each MCI recognized department has at least two foreign journals. Besides, each department is having PG medical students and have separate departmental library. There are many books in the central library for the paramedical students also.
The Medical Journal of the Institute
Since 1978, the institute has been publishing its own journal named as The Journal of the Vivekananda Institute of Medical Sciences. The Journal has got an ISSN No. (ISSN 0970-4396) and contains articles from our staff as well as researchers from other institutions. Qualified and experienced research personnel are carrying out research work in the institute on various subjects. The results of their investigations are published in the journal of the institute or outside (In India or Abroad). It is being published regularly twice a year and, apart from local circulation, is also being circulated to the teaching hospitals and research centers all over India .
MEDICAL LIBRARY AT VIMS
The Vivekananda Institute of Medical Sciences (VIMS) library is a medical library and has books and journals on different aspects of medical science. It is of great help to the users which includes visiting doctors, trainee doctors, trainee nurses (i.e. B. Sc. Nursing and Post Basic Nursing students), physiotherapy students, DMLT students and also the staff. Qualified and eminent doctors and research scholars pursue their research in this institution and take help of this library for their thesis work on various subjects. Later, their dissertations and results of their investigations are preserved in this library.
Currently the library has a great variety of medical books and journals, both national and international. Besides the medical books the library also contains some religious books. The details are appended as follows:
1. Total No. of Medical books – 4011
2. Total No. of Medical Journals (bound Vols.) – 2695
3. Total No. of Thesis preserved – 284
4. Total No. of Medical Journals procured – 24 (per year)
5. Total No. of books for Nursing Training – 386
6. Total No. of Religious books – 486
The Library’s Reading Room is well furnished and has a capacity of 36 seats. It also has got an Internet facility by which one can get access to the E-journals. A Medical Video Section is also being arranged from here. The Library hours are from 11 am - 6 pm on all weekdays, i.e. from Monday to Saturday.
NURSING SCHOOL
Nursing Training School
One of the chief objects of the Seva Pratishthan has been to provide facilities for training in nursing and midwifery in a suitable atmosphere.
This institution had been training midwives since its inception in 1932 and it was recognised as a training centre for Junior and Senior Midwives in 1944. When the institution was expanded into a General Hospital in 1956, the school was recognised for the training of Auxiliary Nurse-Midwives, later known as Multipurpose Health Workers, and in the following year for General Nurse-Midwives as well. Now the school has the capacity for training 150 students in the General Nursing-Midwifery course.
Candidates seeking admission to General Nursing-Midwifery Course must have passed the Higher Secondary Examination or its equivalent and must not be under 18 years or above 27 years of age. The session normally starts in January and course now lasts for three and a half years. Pupils are selected for the course after a written test, an interview and a medical checkup. Each one of them gets a stipend. After a course of instruction for three months, an examination is held and successful candidates take part in an impressive ceremony called Capping Ceremony at which they are given the Nursing Cap, a symbol of Nursing Service. At this ceremony they take vows, composed in lucid Sanskrit, of life-long dedicated service to the sick and suffering. Those who cannot pass the said examination are not eligible for continuing the training. The school has a well-equipped demonstration room, a library with 6050 books, an auditorium and a shrine and prayer hall. Pupils receive training in an atmosphere conducive to their all round development - physical, intellectual, moral and spiritual. The roll strength at present is 115.
A regular programme of in-service training for qualified nurses is conducted by the institution to improve and maintain a high standard to prepare them for higher courses. The nursing tutors and other members of the nursing staff are also encouraged to acquire higher professional qualifications.
Nursing Trining School: Salient Features
Regular programmes of in-service training to the qualified nurses are conducted by the institution, to improve and maintain a high standard to prepare them for higher courses. The nursing tutors and other members of the nursing staff are also encouraged to acquire higher professional qualifications.
The school has a well-equipped demonstration room, a library with 6984 books, an auditorium and a shrine & prayer hall. Pupils receive training in an atmosphere conducive to their all round development- physical, intellectual, moral and spiritual.
Annual Sports of Nursing Staff and Students are conducted every year. Independence Day and Republic Day celebrations are observed with great aplomb, with impressive parades and folk dances, tableaus and patriotic songs.
A Scholarship Fund has been created out of donations received from various sources for awarding scholarships and prizes to student nurses and post-graduate medical students of the institution from the interest earned. The scholarships and prizes awarded to student nurses are named after ‘Gopaler Ma’, ‘Golap Ma’, ‘Sister Nivedita’, ‘Sister Christine’, ‘Gargi’, ‘Maitreyi’, ‘Swami Madhavananda’, ‘Kadambini Sarkar’, ‘Sibadasi Devi’, ‘Rajubala Ghosh’, ‘Sister Kalyani’.
Cultural and religious functions are observed viz. Saraswati Puja, Christmas Eve etc.
The Annual Swami Vivekananda Birth Centenary Memorial Competitions in music, painting, recitation and elocution for student nurses of West Bengal are also organised in the months of April-May every year. Student Nurses from Govt. College of Nursing, SSKM Hospital, Calcutta Medical Research Institute, Woodlands Hospital & Research Centre, Sambhu Nath Pandit Hospital, Peerless Hospital & B.K. Roy Research Centre and others participate. The winners are awarded attractive prizes.
Nursing Trining School: Courses
General Nursing-Midwifery Course:
Eligibility:
Advertisements are published in various newspapers/dailies for this course usually 5 to 6 months before the session starts. Candidates seeking admission must have passed the Higher Secondary Examination or its equivalent with a minimum of 55% marks for the general stream and 50% for the Scheduled Caste. They must not be under 18 years or above 27 years of age. The session normally begins in the month of September and the course lasts for three and a half years. Selected candidates must stay in the Nursing hostel during this period and undergo training.
Admission Criteria:
Pupils are selected for the course after a written test, an interview and a medical checkup. After a course of instruction for three months, an examination is held and successful candidates take part in an impressive ceremony called Capping Ceremony at which they are given the Nursing Cap, a symbol of Nursing Service. At this ceremony they take vows, composed in lucid Sanskrit, of life-long dedicated service to the sick and suffering. Those who cannot pass the said examination are not eligible for continuing the training.
Stipend Facility:
The students are provided with a sum of Rs. 400/- each as stipend every month.
Total Seat:
Currently the seat strength stands at 40 per batch each year.
REPORT OF ACTIVITIES
FOR THE YEAR 2011-2012
The Pratishthan was started in 1932 by Most Revered Swami Dayanandaji Maharaj, a direct disciple of the Holy Mother Sri Sarada Devi. The largest medical institution run by the Ramakrishna Mission, as also the largest non-Govt. medical centre in West Bengal, the Seva Pratishthan is at present rendering services to the people through its four wings: (a) General Hospital (b) School of Nursing and College of Nursing (d) Postgraduate Medical College and Research Centre and (d) Community Health Service.
The General Hospital wing has 600 beds distributed in all major disciplines and also some super specialities. It has 11 air-conditioned operation theatres, 24-hour functioning Laboratories, Radiology Dept. and Blood Bank besides other essential facilities, with which it primarily serves the low-income sections of the society.
A few
hospital figures for the year 2011-2012:
Indoor
patients
…
: 21,976
Outdoor
patients
…
: 3,75,713
Patients
served at Gangasagar
Mela
:
5,574
The School of Nursing is recognized by the West Bengal Nursing Council and the Indian Nursing Council for the 3½-year General Nursing and Midwifery course. Adjudged as one of the best in the State, the roll strength was 149 in March, 2012. It has provision for awarding scholarships and prizes to meritorious students.
The Ma Sarada College of Nursing is recognized by West Bengal University of Health Sciences, West Bengal Nursing Council and the Indian Nursing Council, for the 4-year B.Sc. Nursing course and 2-year Post Basic B.Sc. Nursing Course. The roll strength in March 2012 was 96 and 20 in the two courses respectively.
The Postgraduate Medical College and Research Centre is known as the Vivekananda Institute of Medical Sciences. It had been affiliated to the University of Calcutta for many years for MD, MS and diploma courses. Presently it is affiliated to the West Bengal University of Health Sciences and the National Board of Examinations. It is also recognized by the Medical Council of India. In 2011-2012, 10 diploma students, 43 degree students and 14 DNB students were on the rolls. The Institute has been the venue for Part-I and Part-II MRCOG theory examination in March 2011 like several preceding years.
Two-year courses for D.R.D. Tech (Diploma in Radio-Diagnosis Technique) and D.M.L.T. (Diploma in Medical Laboratory Technique) of the State Medical Faculty of West Bengal are also being conducted here since 1997. In March 2012, 27 DMLT and 08 DRD students were on the rolls.
The Bachelor of Physiotherapy course has been started from 2006 and the Bachelor of Optometry course from 2007. The Bachelor of Critical Care Technology and Bachelor of Operation Theatre Technology courses have been started from 2009 session. In March 2012, the roll strengths were 31, 11, 18 and 20 respectively.
The Community Health Service wing is serving about 40 villages in Sarisha, Arapanch and Rajarhat areas. Doctors with para-medical staff visit each area twice every week. Patients are given free treatment and medicine. In 2011-2012, 41039 patients were served completely free of charges.
The total expenditure for maintaining all these services rendered came to about Rs. 240.000 Millions in the year 2011-12. Expenditure on free/part-free treatment of poor and needy patients during the year was over Rs. 10.300 Millions.
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 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. 54.47 |
|
|
1 |
Rs. 87.63 |
|
Euro |
1 |
Rs. 71.12 |
INFORMATION DETAILS
|
Information
Gathered by : |
SVA |
|
|
|
|
Report Prepared
by : |
BVA |
SCORE & RATING EXPLANATIONS
|
SCORE FACTORS |
RANGE |
POINTS |
|
HISTORY |
1~10 |
7 |
|
PAID-UP CAPITAL |
1~10 |
5 |
|
OPERATING SCALE |
1~10 |
6 |
|
FINANCIAL CONDITION |
|
|
|
--BUSINESS SCALE |
1~10 |
6 |
|
--PROFITABILIRY |
1~10 |
5 |
|
--LIQUIDITY |
1~10 |
6 |
|
--LEVERAGE |
1~10 |
6 |
|
--RESERVES |
1~10 |
6 |
|
--CREDIT LINES |
1~10 |
6 |
|
--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 |
NO |
|
--LISTED |
YES/NO |
NO |
|
--OTHER MERIT FACTORS |
YES/NO |
YES |
|
TOTAL |
|
53 |
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.