Summary Information

Country

India

Company Name

SILVER SPARK APPAREL LIMITED

Principal Name 1

Mr. Pradeep Kumar Bhandari

Status

Satisfactory

Principal Name 2

Mr. Gautam Hari V. Singhania

Registration #

11-127831

Street Address

New Hind House, Narottam Morarjee Marg, Ballard Estate, Mumbai – 400 001, Maharashtra, India

Established Date

20.07.2000

SIC Code

--

Telephone#

91-22-22686000

Business Style 1

Manufacturer

Fax #

91-22-22620052

Business Style 2

--

Homepage

http://www.raymondindia.com

Product Name 1

Men's Trousers – Wool and Polyester Blended 

# of employees

Not Available

Product Name 2

Men's Trousers – 100% wool

Paid up capital

Rs. 170,000,000/-

Product Name 3

Men's Jackets/ Blazer – Wool and Polyester Blended 

Shareholders

Bodies corporate – 100%

Banking

ING VYSYA Bank Limited

Public Limited Corp.

--

Business Period

12 Years

IPO

--

International Ins.

-

Public Enterprise

--

Rating

Ba (42)

Related Company

Relation

Country

Company Name

CEO

Holding Company

India

Raymond Limited

--

Note

-

 

2. Summary Financial Statement

Balance Sheet as of

31.03.2011

(Unit: Indian Rs.)

Assets

Liabilities

Current Assets

237,174,000

Current Liabilities

198,814,000

Inventories

134,520,000

Long-term Liabilities

390,269,000 

Fixed Assets

526,113,000

Other Liabilities

80,201,000

Deferred Assets

0,000

Total Liabilities

669,284,000

Invest& other Assets

7,608,000

Retained Earnings

66,131,000

 

 

Net Worth

236,131,000

Total Assets

905,415,000

Total Liab. & Equity

905,415,000

 Total Assets

(Previous Year)

820,629,000

 

 

P/L Statement as of

31.03.2011

(Unit: Indian Rs.)

Sales

1,093,348,000

Net Profit

56,188,000

Sales(Previous yr)

834,925,000

Net Profit(Prev.yr)

30,584,000

 

MIRA INFORM REPORT

 

 

Report Date :

20.12.2012

 

IDENTIFICATION DETAILS

 

Name :

SILVER SPARK APPAREL LIMITED (w.e.f. 16.09.2003)

 

 

Formerly Known As :

RAYMOND TECHNOLOGY SOLUTIONS LIMITED

 

 

Registered Office :

New Hind House, Narottam Morarjee Marg, Ballard Estate, Mumbai – 400 001, Maharashtra

 

 

Country :

India

 

 

Financials (as on) :

31.03.2011

 

 

Date of Incorporation :

20.07.2000

 

 

Com. Reg. No.:

11-127831

 

 

Capital Investment / Paid-up Capital :

Rs.170.000 millions

 

 

CIN No.:

[Company Identification No.]

U72900MH2000PLC127831

 

 

PAN No.:

[Permanent Account No.]

AACCR1288G

 

 

Legal Form :

A Closely Held Public Limited Liability Company

 

 

Line of Business :

Manufacturer of Trousers and Jackets.

 

 

No. of Employees :

Not Available

 

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba (42)

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

Satisfactory

 

Maximum Credit Limit :

USD 900000

 

 

Status :

Satisfactory

 

 

Payment Behaviour :

Usually Correct

 

 

Litigation :

Clear

 

 

Comments :

Subject is a subsidiary of ‘Raymond Limited’. It is a well established company having a satisfactory track record. The latest financials are not made available.

 

As per previous year’s record the company’s performance appears to be good. Company gets good support from its group company. Trade relations are reported to be fair. Business is active. Payments are reported to be usually correct and as per commitment.

 

The company can be considered for normal business dealings at usual trade terms and condition.

 

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

 

 

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

 

 

EXTERNAL AGENCY RATING

 

Rating Agency Name

CARE

Rating

A1+: Short Term Bank Facilities

Rating Explanation

Having very strong degree of safety regarding timely payments of financial obligations. It carry lowest credit risk.

Date

20.01.2012

 

 

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.

 

 

LOCATIONS

 

Registered Office :

New Hind House, Narottam Morarjee Marg, Ballard Estate, Mumbai – 400 001, Maharashtra, India

Tel. No.:

91-22-22686000

Fax No.:

91-22-22620052

E-Mail :

uma.ram@raymond.in 

Website :

http://www.raymondindia.com

 

 

Factory :

SR.# 56, Majara Hosahalli, Behind DIADB Industrial Estate, Veerapur P.O., Doddaballapur, Bangalore – 561 203, Karnataka, India

Tel. No.:

91-80-27630449 / 27630440 / 27630448 / 27630449

Fax No.:

91-80-27630438

 

 

DIRECTORS

 

As on: 30.05.2012

 

Name :

Mr. Gautam Hari V. Singhania

Designation :

Director

Address :

J. K. House, 59 A, Bhulabhai Desai Road, Mumbai – 400026, Maharashtra, India

Date of Birth/Age :

09.09.1965

Qualification :

B Com (Hons.)

Date of Appointment :

20.07.2000

DIN No:

00020088

 

 

Name :

Mr. Pradeep Kumar Bhandari

Designation :

Director

Address :

Bungalow No. 36, Neelkanth Woods, Enclaves B, Mullah Baug, Tikuji-Ni- Wadi Road, Thane (West), Thane – 400610, Maharashtra, India

Date of Birth/Age :

15.08.1957

Qualification :

ACA

Date of Appointment :

20.07.2000

DIN No:

00021923

 

 

Name :

Mr. Shreyas G. Joshi

Designation :

Director

Address :

Flat No. 2101, 21ST Floor, Orchid, Hiranandani meadows, Gladys Alwares Road, Office Pokhran Road No. 2, Thane – 400610, Maharashtra, India

Date of Birth/Age :

09.02.1959

Qualification :

M.S., M. Tech, M.B.A.

Date of Appointment :

25.06.2004

DIN No:

00024616

 

 

Name :

Mr. Sunder Hariharan

Designation :

Managing Director

Address :

5C, Regency Park – B, Eden Woods Complex, Gladys Alvares Marg, Office Pokhran Road No. 2, Thane – 400610, Maharashtra, India

Date of Birth/Age :

26.07.1959

Qualification :

ACA

Date of Appointment :

10.02.2004

DIN No:

00020583

 

 

KEY EXECUTIVES

 

Name :

Mr. Murali Santhanam

Designation :

Secretary

Address :

502, 5TH Floor, Ratan Mahal CHS Limited, D. K. Sandhu Road, Sandhuwadi, Chembur – 400071, Maharashtra, India

Date of Birth/Age :

29.07.1957

Date of Appointment :

01.11.2011

PAN No.:

AAPPS7878F

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

As on: 30.05.2012

 

Names of Shareholders (Equity Shares)

 

 

No. of Shares

Raymond Limited jointly with Gautam Hari V. Singhani

 

10

Raymond Limited jointly with Sunder Hariharan

 

10

Raymond Limited jointly with Pradeep Kumar Bhandari

 

10

Raymond Limited jointly with Aniruddha Deshmukh 

 

10

Raymond Limited jointly with Gyanmal D. Jain 

 

10

Raymond Limited jointly with Priti N. Alkari

 

10

Raymond Limited jointly with Thomas Fernandes

 

10

Raymond Limited, India

 

6999930

                            Total

 

7000000

 

 

Names of Shareholders (Preference Shares)

 

 

No. of Shares

Raymond Limited, India

 

1000000

Total

 

1000000

 

Equity Share Break up (Percentage of Total Equity)

 

As on: 30.05.2012

 

Category

 

Percentage

 

 

 

Bodies corporate

 

100.00

 

 

 

Total

 

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Manufacturer of Trousers and Jackets

 

 

Products :

Item Code No. (ITC Code)

62031100

Product Description

Men’s Suits – 100% wool

Item Code No. (ITC Code)

62031919

Product Description

Men’s Suits – Wool and Polyester Blended

Item Code No. (ITC Code)

62033100

Product Description

Men's Jackets/ Blazer – 100% wool

Item Code No. (ITC Code)

62033990

Product Description

Men's Jackets/ Blazer – Wool and Polyester Blended 

Item Code No. (ITC Code)

62034100

Product Description

Men's Trousers – 100% wool

Item Code No. (ITC Code)

62034990

Product Description

Men's Trousers – Wool and Polyester Blended 

 

 

PRODUCTION STATUS

 

ANNUAL CAPACITY

 

Particulars

 

Installed Capacity

Registered

Trousers

1535000

1500000

Jackets

538200

450000

 

 

PRODUCTION STATUS

 

Particulars

 

Production

Qty

Trousers:

 

- Own

752737

- Job Work

467694

Jackets :

 

- Own

442546

- Job Work

262511

Shirts:

 

- Own

6254

- Job Work

--

 

 

 

GENERAL INFORMATION

 

No. of Employees :

Not Available

 

 

Bankers :

ING Vysya Bank Limited, 22, Ground Floor, ING Vysya House, M. G. Road, Bangalore - 560001, Karnataka, India

 

 

Facilities :

(Rs. In Millions)

Secured Loan

As on

31.03.2011

As on

31.03.2010

Term Loan from a Bank

132.855

233.825

Working capital loans from a Bank (including foreign currency loans from a Bank Rs. NIL. Previous year Rs.20.885)

106.618

91.837

 

 

 

Total

239.473

325.662

 

Unsecured Loan

As on

31.03.2011

As on

31.03.2010

From Raymond Limited (the holding company)

150.796

150.796

 

 

 

Total

150.796

150.796

 

Banking Relations :

--

 

 

Auditors :

 

Name :

Dalal and Shah

Chartered Accountants

Address :

2nd Floor, 252, Veer Sawarkar Road, Shivaji Park, Dadar (West), Mumbai – 400 028, Maharashtra,  India

Tel. No.:

91-22-66691000

PAN No.:

AAAFD0907D

 

 

Joint Venture :

Rayves Automotive Textile Company Private Limited

 

 

Fellow subsidiary Companies :

·         Raymond Apparel Limited ( Formerly Solitaire Fashions Limited)

·         Celebrations Apparel Limited

·         Everblue Apparel Limited

·         Pashmina Holdings Limited

·         Colorplus Fashions Limited

·         Scissors Engineering Products Limited

·         Ringplus Aqua Limited

·         R and A Logistics Inc.

·         J K Talabot Limited

·         Jaykayorg AG

·         Raymond (Europe) Limited

·         Raymond Woollen Outerwear Limited

·         J. K. Files (India) Limited

 

 

Holding Company :

Raymond Limited

CIN No.: L17117MH1925PLC001208

 

 

Other Related Parties where control exist :

·         J.K Ansell Limited

·         Raymond Zambaiti Limited (formerly Raymond Zambaiti Private Limited)

·         Rose Engineered Products India Private Limited.

 

 

CAPITAL STRUCTURE

 

As on: 31.03.2011

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

10000000

Equity Shares

Rs.10/- each

Rs. 100.000 Millions

1000000

Preference Shares

Rs.100/- each

Rs. 100.000 Millions

 

Total

 

Rs. 200.000 Millions

 

 

Issued Capital :

No. of Shares

Type

Value

Amount

8000000

Equity Shares

Rs.10/- each

Rs. 80.000 Millions

1000000

 Preference Shares

Rs.100/- each

Rs. 100.000 Millions

 

Total

 

Rs. 180.000 Millions

 

 

Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

7000000

Equity Shares

Rs.10/- each

Rs. 70.000 Millions

1000000

Preference Shares

Rs.100/- each

Rs. 100.000 Millions

 

Total

 

Rs. 170.000 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

170.000

170.000

170.000

2] Share Application Money

0.000

0.000

0.000

3] Reserves & Surplus

66.131

9.943

0.000

4] (Accumulated Losses)

0.000

0.000

(20.641)

NETWORTH

236.131

179.943

149.359

LOAN FUNDS

 

 

 

1] Secured Loans

239.473

325.662

326.664

2] Unsecured Loans

150.796

150.796

150.796

TOTAL BORROWING

390.269

476.458

477.460

DEFERRED TAX LIABILITIES

37.821

20.831

0.000

 

 

 

 

TOTAL

664.221

677.232

626.819

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

526.113

542.388

513.078

Capital work-in-progress

0.208

0.578

2.738

 

 

 

 

INVESTMENT

7.400

5.400

5.400

DEFERREX TAX ASSETS

0.000

0.000

0.000

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories & accumulated costs

134.520
114.701

108.369

 

Sundry Debtors

118.295
84.040

57.106

 

Cash & Bank Balances

6.095
2.323

0.218

 

Other Current Assets

28.790
32.315

28.107

 

Loans & Advances

83.994
38.884

27.099

Total Current Assets

371.694
272.263

220.899

Less : CURRENT LIABILITIES & PROVISIONS

 
 

 

 

Sundry Creditors

189.165
108.790

89.714

 

Other Current Liabilities

9.649
5.155

11.913

 

Provisions

42.380
29.452

13.669

Total Current Liabilities

241.194
143.397

115.296

Net Current Assets

130.500
128.866

105.603

 

 

 

 

MISCELLANEOUS EXPENSES

0.000

0.000

0.000

 

 

 

 

TOTAL

664.221

677.232

626.819

 

 

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

31.03.2011

31.03.2010

31.03.2009

 

SALES

 

 

 

 

 

Sales, Services and Export Incentives

1093.348

834.925

868.303

 

 

Other Income

15.021

12.637

7.481

 

 

TOTAL                                     (A)

1108.369

847.562

875.784

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Material Costs

532.610

402.374

392.526

 

 

Manufacturing Costs

151.506

99.006

59.709

 

 

(Increase)/ Decrease in Finished and Process Stocks and Accumulated Costs

(6.929)

(14.667)

10.206

 

 

Employment Costs

213.784

164.259

173.250

 

 

 

Administrative, Selling and General Expenses

110.304

81.006

165.992

 

 

TOTAL                                     (B)

1001.275

731.978

801.683

 

 

 

 

 

Less

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

107.094

115.584

74.101

 

 

 

 

 

Less

INTEREST & FINANCIAL EXPENSES               (D)

20.416

19.839

20.949

 

 

 

 

 

 

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

86.678

95.745

53.152

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                     (F)

35.815

31.952

31.671

 

 

 

 

 

 

PROFIT BEFORE TAX (E-F)                              (G)

50.863

63.793

21.481

 

 

 

 

 

Less

TAX                                                                  (H)

(5.325)

33.209

3.387

 

 

 

 

 

 

PROFIT AFTER TAX (G-H)                                (I)

56.188

30.584

18.094

 

 

 

 

 

Add:

Prior Period Adjustments (Net)

0.000

0.000

0.289

 

 

 

 

 

Add

PREVIOUS YEARS’ BALANCE BROUGHT FORWARD

9.943

(20.641)

(39.024)

 

 

 

 

 

 

BALANCE CARRIED TO THE B/S

66.131

9.943

(20.641)

 

 

 

 

 

 

EARNINGS IN FOREIGN CURRENCY

 

 

 

 

 

FOB value of Exports

767.716

550.735

583.277

 

 

Job work charges

127.466

129.046

143.266

 

TOTAL EARNINGS

895.182

679.781

726.543

 

 

 

 

 

 

IMPORTS

 

 

 

 

 

Capital Goods

1.501

45.637

3.435

 

 

Raw Materials

153.198

97.219

94.524

 

 

Stores & Spares

2.975

2.651

4.526

 

TOTAL IMPORTS

157.674

145.507

102.485

 

 

 

 

 

 

Earnings Per Share (Rs.)

8.03

4.37

2.63

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2011

31.03.2010

31.03.2009

PAT / Total Income

(%)

5.07
3.61

2.07

 

 

 
 

 

Net Profit Margin

(PBT/Sales)

(%)

4.65
7.64

2.47

 

 

 
 

 

Return on Total Assets

(PBT/Total Assets}

(%)

5.67
7.83

2.93

 

 

 
 

 

Return on Investment (ROI)

(PBT/Networth)

 

0.22
0.35

0.14

 

 

 
 

 

Debt Equity Ratio

(Total Liability/Networth)

 

2.67
3.44

3.97

 

 

 
 

 

Current Ratio

(Current Asset/Current Liability)

 

1.54
1.90

1.92

 

 

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

No

10]

Designation of contact person

No

11]

Turnover of firm for last three years

Yes

12]

Profitability for last three years

Yes

13]

Reasons for variation <> 20%

--

14]

Estimation for coming financial year

No

15]

Capital in the business

Yes

16]

Details of sister concerns

Yes

17]

Major suppliers

No

18]

Major customers

No

19]

Payments terms

No

20]

Export / Import details (if applicable)

No

21]

Market information

--

22]

Litigations that the firm / promoter involved in

--

23]

Banking Details

Yes

24]

Banking facility details

Yes

25]

Conduct of the banking account

--

26]

Buyer visit details

--

27]

Financials, if provided

Yes

28]

Incorporation details, if applicable

Yes

29]

Last accounts filed at ROC

No

30]

Major Shareholders, if available

Yes

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

Yes

 

 

OPERATIONS

 

The gross turnover of the Company was Rs. 1093.348 Millions as compared to the previous year Rs. 834.925 Millions. The Company had a Profit after Tax of Rs. 56.188 Millions (Previous Year: Rs. 30.584 Millions). In order to conserve resources of the Company, your Directors do not recommend any dividend for the year  The Company was successful in retaining its customers in the domestic and export markets and continues its endeavor to attract new customers. The Company has met the quality standards set by reputed national and international brands.

 

 

CONTINGENT LIABILITIES NOT PROVIDED FOR

(Rs. in millions)

Particulars

31.03.2011

31.03.2010

a) Guarantees given by the Company’s Bankers and Bonds and Letter of undertaking executed by the Company to Government Authorities for purchase under concessional duty/ exemption scheme in respect of (net of obligation completed):

 

 

- Capital Goods

3.720

1.981

- Raw Materials

109.866

44.554

 

 

 

b) Claims against the Company not acknowledged as debts (ESIC Matter)

0.836

0.836

 

 

 

c) Excise matters

9.582

9.582

 

 

 

FIXED ASSETS:

 

·         Building

·         Plant and Machinery

·         Electrical Equipments

·         Furniture and Fixtures

·         Office Equipments

·         Vehicles 

 

 

 


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 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. 54.84

UK Pound

1

Rs. 89.11

Euro

1

Rs. 72.47

 

 

INFORMATION DETAILS

 

Report Prepared by :

UDS

 


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

4

PAID-UP CAPITAL

1~10

4

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

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

 

42

 

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.