BUSINESS INFORMATION REPORT
1. Summary Information
|
|
|
Country |
|
|
Company Name |
JAY CEE ENTERPRISES PRIVATE LIMITED |
Principal Name 1 |
MR. JAGDISH CHANDER MALHOTRA |
|
Status |
MODERATE |
Principal Name 2 |
MR.
AJAY KUMAR MALHOTRA |
|
|
|
Registration # |
55-028666 |
|
Street Address |
E-357, GREATER KAILASH II, |
||
|
Established Date |
20.07.1987 |
SIC Code |
-- |
|
Telephone# |
91-11-41613736 |
Business Style 1 |
TRADER |
|
Fax # |
91-11-41613738 |
Business Style 2 |
IMPORTER |
|
Homepage |
Product Name 1 |
GARMENTS RELATED MACHINES |
|
|
# of employees |
16 (APPROXIMATELY) |
Product Name 2 |
AIR CONDITIONERS |
|
Paid up capital |
RS.4,000,000/- |
Product Name 3 |
-- |
|
Shareholders |
DIRECTORS OR RELATIVES OF DIRECTORS – 100% |
Banking |
CORPORATION BANK |
|
Public Limited Corp. |
NO |
Business Period |
24 YEARS |
|
IPO |
NO |
International Ins. |
-- |
|
Public |
NO |
Rating |
Ca (16) |
|
Related
Company |
|||
|
Relation
|
Country
|
Company
Name |
CEO |
|
-- |
-- |
-- |
-- |
|
Note |
-- |
||
2. Summary
Financial Statement
|
Balance Sheet as of |
31.03.2011 |
(Unit: Indian Rs.) |
|
|
Assets |
Liabilities |
||
|
Current Assets |
30,214,000
|
Current Liabilities |
19,330,000
|
|
Inventories |
43,014,000
|
Long-term Liabilities |
73,604,000 |
|
Fixed Assets |
15,458,000 |
Other Liabilities |
0,000 |
|
Deferred Assets |
0,000 |
Total Liabilities |
92,934,000 |
|
Invest& other Assets |
0,000 |
Retained Earnings |
(8,248,000) |
|
|
|
Net Worth |
(4,248,000) |
|
Total Assets |
88,686,000 |
Total Liab. & Equity |
88,686,000 |
|
Total Assets (Previous Year) |
83,587,000 |
|
|
|
P/L Statement as of |
31.03.2011 |
(Unit: Indian Rs.) |
|
|
Sales |
88,213,000 |
Net Profit |
(5,276,000) |
|
Sales(Previous yr) |
77,063,000 |
Net Profit(Prev.yr) |
(4,983,000) |
MIRA
INFORM REPORT
|
Report Date : |
27.02.2012 |
IDENTIFICATION DETAILS
|
Name : |
JAY CEE ENTERPRISES PRIVATE LIMITED |
|
|
|
|
Formerly Known
As : |
JAY CEE INDUSTRIAL CONSULTANTS PRIVATE LIMITED |
|
|
|
|
Registered
Office : |
E-357, Greater Kailash II, |
|
|
|
|
Country : |
|
|
|
|
|
Financials (as
on) : |
31.03.2011 |
|
|
|
|
Date of
Incorporation : |
20.07.1987 |
|
|
|
|
Com. Reg. No.: |
55-028666 |
|
|
|
|
Capital
Investment / Paid-up Capital : |
Rs.2.500
Millions |
|
|
|
|
CIN No.: [Company Identification
No.] |
U74899DL1987PTC028666 |
|
|
|
|
TAN No.: [Tax Deduction &
Collection Account No.] |
DELJ04282F |
|
|
|
|
PAN No.: [Permanent Account No.] |
AAACJ1324K |
|
|
|
|
Legal Form : |
Private Limited Liability Company |
|
|
|
|
Line of Business
: |
Trader and Importer of Garments related Machines and Air
Conditioners. |
|
|
|
|
No. of Employees
: |
16 (Approximately) |
RATING & COMMENTS
|
MIRA’s Rating : |
Ca (16) |
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
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 |
|
Status : |
Moderate |
|
|
|
|
Payment Behaviour : |
Slow |
|
|
|
|
Litigation : |
Clear |
|
|
|
|
Comments : |
Subject is an established company having moderate track. Profitability
of the company is under severe pressure. There appear huge accumulated losses
recorded by the company. However business is active. Payments are reported to
be slow. The company can be considered for business dealing on a secured 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 – September 30, 2011
|
Country Name |
Previous Rating (30.06.2011) |
Current Rating (30.09.2011) |
|
|
A1 |
A1 |
|
Risk Category |
ECGC
Classification |
|
Insignificant |
A1 |
|
Low |
A2 |
|
Moderate |
B1 |
|
High |
B2 |
|
Very High |
C1 |
|
Restricted |
C2 |
|
Off-credit |
D |
LOCATIONS
|
Registered Office : |
E-357, Greater Kailash II, |
|
Tel. No.: |
91-11-41613736 |
|
Fax No.: |
91-11-41613738 |
|
E-Mail : |
jaycee.commercial@touchtelindia.net |
|
Website : |
|
|
Area : |
1500 sq. ft. |
|
|
|
|
Head Office/ Corporate Office : |
Faqir Udyog, A-61/1, Okhla Industrial Area, Phase – II, |
|
Tel. No.: |
91-11-41616490 (3 Hunting Line)/ 26383611/ 26386847/ 41613736/ 3860/ 6348/ 6490 |
|
Fax No.: |
91-11-41613738/ 41613739 |
|
E-Mail : |
|
|
|
|
|
Branch Office : |
Located
at: v
v Chennai v Jaipur v v
v
Secunderabad |
DIRECTORS
As on 30.09.2011
|
Name : |
Mr. Jagdish Chander Malhotra |
|
Designation : |
Managing Director |
|
Address : |
E-357, Greater Kailash - II, |
|
Date of Birth/Age : |
10.10.1932 |
|
Date of Appointment : |
20.07.1987 |
|
DIN No.: |
01216609 |
|
|
|
|
Name : |
Mr. Ajay Kumar Malhotra |
|
Designation : |
Director |
|
Address : |
E-357, Greater Kailash - II, |
|
Date of Birth/Age : |
18.12.1958 |
|
Date of Appointment : |
01.02.1999 |
|
DIN No.: |
00769347 |
|
|
|
|
Name : |
Mrs. Sudarashan Malhotra |
|
Designation : |
Director |
|
Address : |
E-357, Greater Kailash - II, |
|
Date of Birth/Age : |
16.09.1936 |
|
Date of Appointment : |
20.07.1987 |
|
DIN No.: |
00770043 |
|
|
|
|
Name : |
Mr. Supreet Singh Luthra |
|
Designation : |
Director |
|
Address : |
267, Urban Estate, Phase-1, |
|
Date of Birth/Age : |
21.12.1972 |
|
Date of Appointment : |
23.06.2009 |
|
Date of Ceasing : |
28.01.2012 |
|
DIN No.: |
02683615 |
MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN
As on 30.09.2011
|
Names of Shareholders |
|
No. of Shares |
|
J.C. Malhotra |
|
34600 |
|
Sudarashan Malhotra |
|
2100 |
|
Bharati Malhotra |
|
750 |
|
Ajay Malhotra |
|
700 |
|
Rakhee Khanna |
|
850 |
|
Vibha Kapoor |
|
900 |
|
Rajinder Nath Seth |
|
100 |
|
Total |
|
40000 |
As on 30.12.2011
|
Names of Allottees |
|
No. of Shares |
|
Jagdish Chander Malhotra |
|
49800 |
|
Sharavan Kumar Shanan |
|
100 |
|
Praveeen Juneja |
|
100 |
|
Total |
|
50000 |
As on 30.09.2011
|
Equity Share Breakup |
|
Percentage of Holding |
|
Category |
|
|
|
Directors
or relatives of directors |
|
100.00 |
BUSINESS DETAILS
|
Line of Business : |
Trader and Importer of Garments related Machines and Air
Conditioners. |
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Products : |
|
GENERAL INFORMATION
|
Customers : |
Northern v Orient Craft v Shree Bharti International v Modelama Exports v Bharti Enterprises v Pearl Clothing v Ishman International v Mohan Clothing v Creative Home Fashion v Gopal Clothing v Dulari Exports v Dhir Global v JPC Limited v V and S International Southern v Trigen Apparels Private Limited v Shell Apparels Private Limited v
Gokaldas v S.M. Apparel v Kabada Shankarasa and Company v Indian Handloom and Nippo Apparel v Silver Crest Clothing Private Limited v Strands International v Dhatri Creations v Magnum Clothing Private Limited v American Shirts v Kingsway Apparels v Dignity Innovations v Cotton World v S.S. Enterprises v Mallcom India Limited |
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No. of Employees : |
16 (Approximately) |
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|
|||||||||||||||||||||||||||||||||
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Bankers : |
v
Corporation Bank, M-3 and 4, Greater
Kailash-II, v ICICI Bank Limited |
|||||||||||||||||||||||||||||||||
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|
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Facilities : |
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|
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Banking
Relations : |
-- |
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|
|
|
Auditors : |
|
|
Name : |
Jain and Malhotra Chartered Accountants |
|
Address : |
42-B, |
|
Tel. No.: |
91-11-23367488/ 23347494/ 23363714 91-11-22375518/ 26017234 (Residential) |
|
Email : |
|
|
PAN No.: |
AABFJ6391E |
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|
|
|
Memberships : |
Confederation of Indian Industry |
CAPITAL STRUCTURE
After 30.09.2011
Authorised Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
100000 |
Equity Shares |
Rs.100/- each |
Rs.10.000 Millions |
|
|
|
|
|
Issued, Subscribed & Paid-up Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
90000 |
Equity Shares |
Rs.100/-
each |
Rs.9.000
Millions |
|
|
|
|
|
As on 30.09.2011
Authorised Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
50000 |
Equity Shares |
Rs.100/- each |
Rs.5.000 Millions |
|
|
|
|
|
Issued, Subscribed & Paid-up Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
40000 |
Equity Shares |
Rs.100/-
each |
Rs.4.000
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 |
4.000 |
2.500 |
1.500 |
|
|
2] Share Application Money |
0.000 |
0.000 |
0.000 |
|
|
3] Reserves & Surplus |
0.000 |
0.000 |
1.825 |
|
|
4] (Accumulated Losses) |
(8.248) |
(2.926) |
0.000 |
|
|
NETWORTH |
(4.248) |
(0.426) |
3.325 |
|
|
LOAN FUNDS |
|
|
|
|
|
1] Secured Loans |
57.756 |
39.153 |
42.736 |
|
|
2] Unsecured Loans |
15.848 |
16.718 |
17.260 |
|
|
TOTAL BORROWING |
73.604 |
55.871 |
59.996 |
|
|
DEFERRED TAX LIABILITIES |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
69.356 |
55.445 |
63.321 |
|
|
|
|
|
|
|
|
APPLICATION OF FUNDS |
|
|
|
|
|
|
|
|
|
|
|
FIXED ASSETS [Net Block] |
15.458 |
15.614 |
17.703 |
|
|
Capital work-in-progress |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
INVESTMENT |
0.000 |
0.000 |
0.000 |
|
|
DEFERRED TAX ASSETS |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
CURRENT ASSETS, LOANS & ADVANCES |
|
|
|
|
|
|
Inventories |
43.014
|
39.935
|
44.275
|
|
|
Sundry Debtors |
18.677
|
17.046
|
12.724
|
|
|
Cash & Bank Balances |
3.081
|
2.833
|
2.970
|
|
|
Other Current Assets |
0.000
|
0.000
|
0.000
|
|
|
Loans & Advances |
8.456
|
8.159
|
10.455
|
|
Total
Current Assets |
73.228
|
67.973
|
70.424
|
|
|
Less : CURRENT
LIABILITIES & PROVISIONS |
|
|
|
|
|
|
Sundry Creditors |
|
18.949
|
11.803
|
|
|
Other Current Liabilities |
|
8.193
|
8.613
|
|
|
Provisions |
0.000
|
1.000
|
4.390
|
|
Total
Current Liabilities |
19.330
|
28.142
|
24.806
|
|
|
Net Current Assets |
53.898
|
39.831
|
45.618
|
|
|
|
|
|
|
|
|
MISCELLANEOUS EXPENSES |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
69.356 |
55.445 |
63.321 |
|
PROFIT & LOSS
ACCOUNT
|
|
PARTICULARS |
31.03.2011 |
31.03.2010 |
31.03.2009 |
|
|
|
SALES |
|
|
|
|
|
|
|
Income |
88.213 |
77.063 |
65.762 |
|
|
|
Other Income |
8.565 |
4.876 |
0.000 |
|
|
|
TOTAL |
96.778 |
81.939 |
65.762 |
|
|
|
|
|
|
|
|
Less |
EXPENSES |
|
|
|
|
|
|
|
TOTAL |
102.054 |
86.922 |
73.395 |
|
|
|
|
|
|
|
|
|
PROFIT/ (LOSS)
BEFORE TAX |
(5.276) |
(4.983) |
(7.633) |
|
|
|
|
|
|
|
|
|
Less |
TAX |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
|
|
PROFIT/ (LOSS)
AFTER TAX |
(5.276) |
(4.983) |
(7.633) |
|
|
|
|
|
|
|
|
|
Add |
PREVIOUS YEARS’
BALANCE BROUGHT FORWARD |
NA |
1.825 |
(9.758) |
|
|
|
|
|
|
|
|
|
Add/ Less |
Provision
Written back |
NA |
0.232 |
0.000 |
|
|
|
|
|
|
|
|
|
Add/ less |
Provision for
fringe benefit tax |
NA |
0.000 |
(0.300) |
|
|
|
|
|
|
|
|
|
|
BALANCE CARRIED
TO THE B/S |
NA |
(2.926) |
1.825 |
|
|
|
|
|
|
|
|
|
|
EXPORT VALUE |
4.585 |
3.545 |
NA |
|
|
|
|
|
|
|
|
|
|
Earnings(Loss)
Per Share (Rs.) |
(131.90) |
(332.20) |
NA |
|
KEY RATIOS
|
PARTICULARS |
|
31.03.2011 |
31.03.2010 |
31.03.2009 |
|
PAT / Total Income |
(%) |
(5.45) |
(6.08)
|
(11.60)
|
|
|
|
|
|
|
|
Net Profit Margin (PBT/Sales) |
(%) |
(5.98) |
(6.47)
|
(11.60)
|
|
|
|
|
|
|
|
Return on Total Assets (PBT/Total Assets} |
(%) |
(5.95) |
(5.96)
|
(8.66)
|
|
|
|
|
|
|
|
Return on Investment (ROI) (PBT/Networth) |
|
1.24 |
11.70
|
(2.29)
|
|
|
|
|
|
|
|
Debt Equity Ratio (Total Liability/Networth) |
|
(21.88) |
(197.21)
|
25.50
|
|
|
|
|
|
|
|
Current Ratio (Current Asset/Current Liability) |
|
3.79 |
2.42
|
2.83
|
LOCAL AGENCY FURTHER INFORMATION
Bankers Charges
Report as per Registry
|
Corporate
identity number of the company |
U74899DL1987PTC028666 |
|
Name of the
company |
JAY CEE ENTERPRISES PRIVATE LIMITED |
|
Address of the registered
office or of the principal place of
business in |
E-357, Greater Kailash II, |
|
This form is for |
Modification
Charge |
|
Charge
identification (ID) number of the charge to be modified |
80020861 |
|
Type of charge |
·
Immovable
Property ·
Book
Debts ·
Movable
Property ·
Floating
Charge ·
Others
(Stocks, Current and Fixed Assets) |
|
Particular of
charge holder |
Corporation Bank, M-3 and 4, Greater Kailash - II, Email: gselvam.ganesan@gmail.com |
|
Nature of
instrument creating charge |
Common Deed of
Hypothecation of Movable/ Assets/ Debs, Letter of Continuity for Equitable
Mortgage Dated 31.12.2010 |
|
Date of instrument
Creating the charge |
31.12.2010 |
|
Amount secured by
the charge |
Rs.71.200
Millions |
|
Brief of the
principal terms an conditions and extent and operation of the charge |
Rate of Interest Interest as per
loan agreement and bank norms Terms of
Repayment Repayment as per
loan agreement and bank norms Margin Margin as per
Bank Norms Extent and
Operation of the charge First charge on
stocks, book debts, and current and fixed assets both present and future and
EM of Property at A-61/1, Okhla Industrial Area phase II, New Delhi is to
secure the cash credit limit Rs. 20.000 Millions, DBC/ BDD Rs.1.000 Million
in/ Import LC cum buyer’s credit Rs.30.000 Millions demand loan Rs.20.000
Millions and Bank guarantee Rs.0.200 Million total Rs.71.200 Millions |
|
Short particulars
of the property or asset(s) charged (including complete address and location
of the property) |
First charge on
stock, book Debts and current and fixed assets both present and future and EM
of property at A-61/1, Okhla Industrial Area Phase II, |
|
Particulars of
the present modification |
Amount secured in
increased to Rs. 71.200 Millions to secure cash credit limit Rs. 20.000
Millions, DBC/BDD Rs. 1.000 Millions In/ Import LC cum buyer’s credit Rs. 30.000
Millions demand loan Rs. 20.000 Millions and Bank guarantee Rs. 0.200 Million
security: First charge on stocks, book debts and current and fixed assets
both present and future and EM of Property At A-61/1, Okhla Industrial Area
Phase II, New Delhi |
FIXED
ASSETS
· Land
· Building
· Furniture and Fixture
· Office Equipments
· Xerox Machines
· Computer
· Punching and Binding Machines
· Cars
· Electronics Inventor
· Electronic Typewriter
· Machinery
· Service Equipments
· Refrigerator
· Air Conditioner
· Voltage Regulator
· Cycle
· Coolers
· Pager
· Printer
· UPS
· Mobiles
· Fans
· Generators
· Security Systems
· Safe
· Sign Boards
CMT REPORT (Corruption, Money Laundering & Terrorism]
The Public Notice information has been collected from various sources including
but not limited to: The Courts,
1] INFORMATION ON
DESIGNATED PARTY
No records exist designating subject or any of its beneficial owners,
controlling shareholders or senior officers as terrorist or terrorist organization
or whom notice had been received that all financial transactions involving
their assets have been blocked or convicted, found guilty or against whom a
judgement or order had been entered in a proceedings for violating
money-laundering, anti-corruption or bribery or international economic or
anti-terrorism sanction laws or whose assets were seized, blocked, frozen or
ordered forfeited for violation of money laundering or international
anti-terrorism laws.
2] Court Declaration :
No records exist to suggest that subject is
or was the subject of any formal or informal allegations, prosecutions or other
official proceeding for making any prohibited payments or other improper
payments to government officials for engaging in prohibited transactions or
with designated parties.
3] Asset Declaration :
No records exist to suggest that the property or assets of the subject
are derived from criminal conduct or a prohibited transaction.
4] Record on Financial
Crime :
Charges or conviction
registered against subject: None
5] Records on Violation of
Anti-Corruption Laws :
Charges or
investigation registered against subject: None
6] Records on Int’l
Anti-Money Laundering Laws/Standards :
Charges or
investigation registered against subject: None
7] Criminal Records
No
available information exist that suggest that subject or any of its principals
have been formally charged or convicted by a competent governmental authority
for any financial crime or under any formal investigation by a competent government
authority for any violation of anti-corruption laws or international anti-money
laundering laws or standard.
8] Affiliation with
Government :
No record
exists to suggest that any director or indirect owners, controlling
shareholders, director, officer or employee of the company is a government
official or a family member or close business associate of a Government
official.
9] Compensation Package :
Our market
survey revealed that the amount of compensation sought by the subject is fair
and reasonable and comparable to compensation paid to others for similar
services.
10] Press Report :
No press reports / filings exists on
the subject.
CORPORATE GOVERNANCE
MIRA INFORM as part of its Due Diligence do provide comments on
Corporate Governance to identify management and governance. These factors often
have been predictive and in some cases have created vulnerabilities to credit
deterioration.
Our Governance Assessment focuses principally on the interactions
between a company’s management, its Board of Directors, Shareholders and other
financial stakeholders.
CONTRAVENTION
Subject is not known to have contravened any existing local laws,
regulations or policies that prohibit, restrict or otherwise affect the terms and
conditions that could be included in the agreement with the subject.
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.49.07 |
|
|
1 |
Rs.77.19 |
|
Euro |
1 |
Rs.65.57 |
SCORE & RATING EXPLANATIONS
|
SCORE FACTORS |
RANGE |
POINTS |
|
HISTORY |
1~10 |
4 |
|
PAID-UP CAPITAL |
1~10 |
3 |
|
OPERATING SCALE |
1~10 |
3 |
|
FINANCIAL CONDITION |
|
|
|
--BUSINESS SCALE |
1~10 |
2 |
|
--PROFITABILIRY |
1~10 |
-- |
|
--LIQUIDITY |
1~10 |
2 |
|
--LEVERAGE |
1~10 |
1 |
|
--RESERVES |
1~10 |
-- |
|
--CREDIT LINES |
1~10 |
1 |
|
--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 |
NO |
|
--LISTED |
YES/NO |
NO |
|
--OTHER MERIT FACTORS |
YES/NO |
YES |
|
TOTAL |
|
16 |
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.