MIRA
INFORM REPORT
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Report Date : |
21.07.2012 |
IDENTIFICATION DETAILS
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Name : |
PEPS INDUSTRIES PRIVATE LIMITED |
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Registered Office : |
S F No. 192, |
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Country : |
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Financials (as on) : |
31.03.2010 |
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Date of Incorporation : |
13.09.1995 |
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Com. Reg. No.: |
18-6507 |
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Capital Investment / Paid-up Capital : |
Rs.63.801 Millions |
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CIN No.: [Company
Identification No.] |
U17111TZ1995PTC006507 |
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Legal Form : |
Private Limited Liability Company |
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Line of Business : |
Manufacturer of Spring Interior Mattresses and Bedding Products. |
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No. of Employees : |
300 (Approximately) |
RATING & COMMENTS
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MIRA’s Rating : |
B (27) |
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RATING |
STATUS |
PROPOSED CREDIT LINE |
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26-40 |
B |
Capability to overcome financial difficulties seems comparatively
below average. |
Small |
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Maximum Credit Limit : |
USD 210000 |
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Status : |
Moderate |
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Payment Behaviour : |
Unknown |
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Litigation : |
Clear |
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Comments : |
Subject is an established company having moderate track. The management
have failed to file the current year financial details with government
department. However, trade relations are reported to be fair. Business is
active. Payments are reported to be unknown.
The company can be considered for business dealings with some
cautions. |
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 – April 1, 2010
|
Country Name |
Previous Rating (31.12.2009) |
Current Rating (01.04.2010) |
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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 |
LOCATIONS
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Registered Office/ Factory 1 : |
S F No. 192, Uthupalayam Road, Arasur Post Palladam Taluka, Coimbatore
-641407, Tamilnadu, India. |
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Tel. No.: |
91-422-2680890 |
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Fax No.: |
91-422-2360892 |
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E-Mail : |
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Website : |
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Area : |
25000 Sq. Ft |
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Location : |
Owned |
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Corporate office
: |
V-ID, NGEF Ancillary (I) Estate, Mahadevpura, |
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Tel. No. : |
91-80-28525831/ 28524599 |
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Factory 2 : |
F6, Ground Floor, Udyog Nagar, Peeragarhi, Mangloi, North East Delhi,
New Delhi – 110041, Delhi, India |
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Tel. No. : |
91-11-45572792 |
DIRECTORS
AS ON 29.09.2009
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Name : |
Mr. P. Manjunath |
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Designation : |
Director |
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Address : |
1282, 13th Cross Indira Nagar II Stage, Binnamanagar,
Bangalore-560038, |
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Date of Birth/Age : |
05.02.1960 |
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Date of Appointment : |
16.12.2005 |
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Name : |
Mr. G. Ram Shankar |
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Designation : |
Director |
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Address : |
201 Trinity Gole Link |
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Date of Birth/Age : |
04.12.1959 |
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Date of Appointment : |
16.12.2005 |
MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN
AS ON 29.09.2009
|
Names of Shareholders |
No. of Equity
Shares |
No. of
Preferences Shares |
|
Hosur Coir Foams P Limited |
2000000 |
-- |
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P Manjunath |
1266103 |
1134960 |
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G. Ram Shankar |
844100 |
1134960 |
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Total |
4110203 |
2269920 |
AS ON 29.09.2009
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Equity Share Breakup |
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Percentage of Holding |
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Category |
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Bodies
corporate |
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48.00 |
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Directors
or relatives of directors |
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52.00 |
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Total |
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100.00 |
BUSINESS DETAILS
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Line of Business : |
Manufacturer of Spring Interior Mattresses and Bedding Products. |
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Brand Names : |
·
Restonic ·
Spring Koil |
GENERAL INFORMATION
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No. of Employees : |
300 (Approximately) |
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Bankers : |
· State Bank of India ITI Ancillary Branch, Mahadevapura, Bangalore-560048, Karnataka,
India. |
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Facilities : |
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Banking
Relations : |
-- |
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Auditors : |
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Name : |
CSK Prabhu and Company Chartered Accountant |
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Address : |
No. 7, First Floor, Auditors Association Buildings, D B Road, R S
Puram, Coimbatore641407, Tamilnadu, India. |
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Collaborators : |
M/s Restonic Corporation - |
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Associates/Subsidiaries : |
·
Hosur Coir Foam – Hosur ·
Technova Tapes – Bangalore ·
Udupa Industries – ·
Technova Industries – ·
RTC Investments Limited – ·
Ascent Electronics – Bangalore ·
Ascent Circuits Private Limited - |
CAPITAL STRUCTURE
AS ON 29.09.2009
Authorised Capital :
|
No. of Shares |
Type |
Value |
Amount |
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5000000 |
Equity Shares |
Rs.10/- each |
Rs.50.000 Millions |
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3000000 |
Preferences Shares |
Rs.10/- each |
Rs.30.000 Millions |
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Total |
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Rs.80.000
Millions |
Issued, Subscribed & Paid-up Capital :
|
No. of Shares |
Type |
Value |
Amount |
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|
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|
4110203 |
Equity Shares |
Rs.10/- each |
Rs.41.102
Millions |
|
2269920 |
Preferences Shares |
Rs.10/- each |
Rs.22.699
Millions |
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Total |
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Rs.63.801 Millions |
FINANCIAL DATA
[all figures are
in Rupees Millions]
ABRIDGED BALANCE
SHEET
|
SOURCES OF FUNDS |
31.03.2010 |
31.03.2009 |
31.03.2008 |
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SHAREHOLDERS FUNDS |
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1] Share Capital |
63.801 |
63.801 |
63.801 |
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2] Share Application Money |
0.000 |
0.000 |
0.000 |
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3] Reserves & Surplus |
0.000 |
0.000 |
0.000 |
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4] (Accumulated Losses) |
(9.089) |
(16.160) |
(32.047) |
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NETWORTH |
54.712 |
47.641 |
31.754 |
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LOAN FUNDS |
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1] Secured Loans |
41.742 |
29.701 |
0.000 |
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2] Unsecured Loans |
23.602 |
35.073 |
54.724 |
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TOTAL BORROWING |
65.344 |
64.774 |
54.724 |
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DEFERRED TAX LIABILITIES |
7.082 |
0.000 |
0.086 |
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TOTAL |
127.138 |
112.415 |
86.564 |
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APPLICATION OF FUNDS |
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FIXED ASSETS [Net Block] |
60.744 |
59.112 |
57.111 |
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Capital work-in-progress |
3.111 |
0.000 |
0.000 |
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INVESTMENT |
0.013 |
0.013 |
0.013 |
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DEFERREX TAX ASSETS |
0.000 |
0.000 |
0.000 |
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CURRENT ASSETS, LOANS & ADVANCES |
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Inventories |
22.588
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17.317
|
11.162
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Sundry Debtors |
54.067
|
55.324
|
42.100
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Cash & Bank Balances |
5.368
|
2.760
|
2.027
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Other Current Assets |
0.000
|
0.000
|
0.000
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Loans & Advances |
21.341
|
4.892
|
3.670
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Total
Current Assets |
103.364
|
80.293
|
58.959
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Less : CURRENT
LIABILITIES & PROVISIONS |
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Current Liabilities |
33.791
|
25.547
|
29.363
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Provisions |
6.303
|
1.456
|
0.156
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Total
Current Liabilities |
40.094
|
27.003
|
29.519
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Net Current Assets |
63.270
|
53.290
|
29.440
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MISCELLANEOUS EXPENSES |
0.000 |
0.000 |
0.000 |
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TOTAL |
127.138 |
112.415 |
86.564 |
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PROFIT & LOSS
ACCOUNT
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PARTICULARS |
31.03.2010 |
31.03.2009 |
31.03.2008 |
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SALES |
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Income |
240.555 |
164.040 |
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Other Income |
8.876 |
4.210 |
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TOTAL (A) |
249.431 |
168.250 |
109.016 |
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Less |
EXPENSES |
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Raw Material Consumed |
164.792 |
106.817 |
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Power and Fuel |
1.816 |
1.355 |
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Exchange Fluctuation |
0.000 |
0.540 |
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Employee Cost |
15.123 |
9.543 |
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Administrative and Selling Expenses |
43.651 |
27.431 |
97.048 |
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Adjustment due to increase/ decrease in stock |
(1.216) |
(1.426) |
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TOTAL (B) |
224.166 |
144.260 |
97.048 |
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Less |
PROFIT
BEFORE INTEREST, TAX, DEPRECIATION AND AMORTISATION (A-B) (C) |
25.265 |
23.990 |
NA |
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Less |
FINANCIAL
EXPENSES (D) |
3.288 |
4.237 |
NA |
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PROFIT
BEFORE TAX, DEPRECIATION AND AMORTISATION (C-D) (E) |
21.978 |
19.753 |
NA |
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Less/ Add |
DEPRECIATION/
AMORTISATION (F) |
2.978 |
2.793 |
NA |
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PROFIT BEFORE
TAX (E-F) (G) |
18.999 |
16.960 |
9.188 |
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Less |
TAX (H) |
11.928 |
0.814 |
0.142 |
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PROFIT AFTER TAX
(G-H) (I) |
7.071 |
16.146 |
9.046 |
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Less |
Prior Year Adjustments |
0.000 |
0.258 |
NA |
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Add |
PREVIOUS
YEARS’ BALANCE BROUGHT FORWARD |
(16.159) |
(32.047) |
NA |
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BALANCE CARRIED
TO THE B/S |
(9.088) |
(16.159) |
NA |
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Earnings Per
Share (Rs.) |
1.72 |
3.87 |
2.20 |
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KEY RATIOS
|
PARTICULARS |
|
31.03.2010 |
31.03.2009 |
31.03.2008 |
|
PAT / Total Income |
(%) |
2.83
|
9.60 |
8.30 |
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Net Profit Margin (PBT/Sales) |
(%) |
7.90
|
10.34 |
-- |
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Return on Total Assets (PBT/Total Assets} |
(%) |
11.58
|
12.17 |
7.92 |
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Return on Investment (ROI) (PBT/Networth) |
|
0.35
|
0.36 |
0.29 |
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Debt Equity Ratio (Total Liability/Networth) |
|
1.93
|
1.93 |
2.65 |
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Current Ratio (Current Asset/Current Liability) |
|
0.33
|
2.97 |
2.00 |
LOCAL AGENCY FURTHER INFORMATION
|
Check list by info
Agents |
Available in Report (Yes/ No) |
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Year of Establishment |
Yes |
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Locality of the Firm |
Yes |
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Constitution of the Firm |
Yes |
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Premises details |
Yes |
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Type of Business |
Yes |
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Line of Business |
Yes |
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Promoter’s Background |
Yes |
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No. of Employees |
Yes |
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Name of Person Contacted |
No |
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Designation of Contact person |
No |
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Turnover of Firm for last three years |
Yes |
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Profitability for last three years |
Yes |
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Reasons for variation <> 20% |
----- |
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Estimation for coming financial year |
No |
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Capital in the business |
Yes |
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Details of sister concerns |
Yes |
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Major Suppliers |
No |
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Major Customers |
No |
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Payments Terms |
No |
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Export/ Imports Details (If applicable) |
No |
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Market Information |
----- |
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Litigations that the firm/ Promoters Involved in |
----- |
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Banking details |
Yes |
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Banking Facility Details |
Yes |
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Conduct of the Banking Account |
----- |
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Buyer visit details |
----- |
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Financials, if provided |
Yes |
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Incorporation details is applicable |
Yes |
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Last Accounts filed at ROC |
Yes |
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Major Shareholders, if available |
Yes |
Bankers Charges Report
as per Registry
|
This form is for |
Creation of
charge |
|
Corporate
identity number of the company |
U17111TZ1995PTC006507 |
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Name of the
company |
PEPS INDUSTRIES
PRIVATE LIMITED |
|
Address of the registered
office or of the principal place of
business in |
S F No. 192, Uthupalayam Road, Arasur Post Palladam Taluka, Coimbatore
-641407, Tamilnadu, India. |
|
Type of charge |
Book Debts Movable Property
(not being pledge) Floating Charge Immovable
Property |
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Particular of
charge holder |
State Bank of ITI Ancillary Branch, Mahadevapura, Bangalore-560048, Karnataka,
India. |
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Email |
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Nature of description
of the instrument creating or modifying the charge |
Agreement of loan
cum hypothecation form SME -2 and memorandum for recording creation of
mortgage by deposit of title deeds SME - 5 (both pertain to the same charge) |
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Date of
instrument Creating the charge |
14.06.2008 |
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Amount secured by
the charge |
Rs.68.000
Millions |
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Brief particulars
of the principal terms an conditions and extent and operation of the charge |
Rate of Interest Rate: WCL/TL- at SBAR
with a minimum of 12.25% p.a. Rising or falling therewith, on daily products
with monthly rests. Present effective rate 12.25% per annum. Penal interest
for non compliance of terms of sanction: max 2% per annum over the normal
rate. Prepayment penalty as per terms of sanction Terms of
Repayment WCL - on demand.
Advance is for a period of 12 months and subject to review as per sanction. 1). Term loan: in
28 monthly insts of Rs.0.300 millions each and last 8 monthly insts of
Rs.0.200 million each 2). Corp loan: in
30 monthly insts of Rs.0.200 millions each and last 5 monthly insts of
Rs.0.400 million each Margin RM/SFG/FG/Receivables
- 25% LC - 10% TERM LOAN - 47% Extent and
Operation of the charge Exclusive first
charge on the assets of the company and to the full extent. Others Cc (stocks)
Rs.07.500 millions CC (receivables) Rs.22.500 millions corporate loan Rs.08.0
millions; Open term loan Rs.10.0 millions; LC Rs.20.000 millions total limit
of Rs.68.000 millions. |
|
Short particulars
of the property charged |
Hypo. of
company's present and future movable fixed assets and current assets like
stocks, raw materials, semi finished and finished goods, book debts,
receivables, outstanding monies, bills, rights, stores, components, furniture
and fittings; other movables, plant and machinery, vehicles and assets to be
purchased out of bank finance Equity mort of imm prop factory land and
building situated at 7/83, G.S. No. 191/3 and 192, Uthupalayam Road, Arasur
post, Coimbatore measuring 10.2 acres. |
FIXED ASSETS:
·
Land
·
Borewell
·
·
Plant and Machinery
·
Tools
·
Electrical Machinery
·
Computer
·
Office Equipments
·
Generator
·
Vehicles
·
Furniture and Fittings
·
Temporary Structures
PRESS RELEASE
PEPS
INDUSTRIES EXTENDS PACT WITH RESTONIC CORPORATION, USA
Peps Industries extended its pact with Restonic Corporation of USA for the next 25 years. The president of Restonic Corporation had visited India on the occasion of signing the MoU.
BANGALORE, INDIA,
March 09, 2012/24-7PressRelease/
-- Peps Industries extended its pact with Restonic Corporation of USA for the
next 25 years. The president of Restonic Corporation had visited India on the
occasion of signing the MoU.
A review about Peps Mattresses, the technology used, the quality standards and
products will throw some insight into the understanding of the strength behind
partnership. The Peps sleep solutions also meet the benchmark defined by
Restonic Corporation, USA for its Restonic range of products. Peps Spine Guard
Mattress is a special mattress product released in the market.
The technology is patented and uniquely delivered in its product range. Some of
the features of the products include: individually pocketed inner springs that
absorbs weight and compress independently, so that you will feel your partner's
movement a lot, less. The reinforcement in the middle helps reduce the back
strain significantly. The Restonic range of Mattress includes the normal top
range, euro top range and the pillow top range.
The Peps mattress is certified by Entomology Center Cambridge, under AATCC
147/30/1424 standards. The Peps range of products is crafted from materials and
components of highest quality standards and certifications. The products are
delivered with care to exceed the customer expectations. The mattress is
internationally certified for no odor, no fungus, no dust mite and no bacteria
The manufacturing facility is built in a 15 acre industrial campus in
Coimbatore. The world class manufacturing facility comprises machineries from
Germany, Sweden and USA. Peps is India's only manufacturer of sleep systems
that match exact quality and technology benchmarks of Restonic Corporation of
USA. Peps' unique expertise and insights of Indian consumer strengthen an
already formidable partnership.
The peps range of mattresses are available at the exclusive Mattress Store -
The Great Sleep Store, part of the Peps Retail initiative.
Peps Industries is a Bangalore-based Mattress Manufacturing Company. The
product range includes Peps Restonic, Peps Spine Guard, Peps Spring coil
mattresses.
CMT REPORT (Corruption, Money Laundering & Terrorism]
The Public Notice information has been collected from various sources
including but not limited to: The Courts,
1] INFORMATION ON
DESIGNATED PARTY
No records exist designating subject or any of its beneficial owners,
controlling shareholders or senior officers as terrorist or terrorist
organization or whom notice had been received that all financial transactions
involving their assets have been blocked or convicted, found guilty or against
whom a judgement or order had been entered in a proceedings for violating
money-laundering, anti-corruption or bribery or international economic or
anti-terrorism sanction laws or whose assets were seized, blocked, frozen or
ordered forfeited for violation of money laundering or international
anti-terrorism laws.
2] Court Declaration :
No records exist to suggest that subject is
or was the subject of any formal or informal allegations, prosecutions or other
official proceeding for making any prohibited payments or other improper
payments to government officials for engaging in prohibited transactions or
with designated parties.
3] Asset Declaration :
No records exist to suggest that the property or assets of the subject
are derived from criminal conduct or a prohibited transaction.
4] Record on Financial
Crime :
Charges or conviction
registered against subject: None
5] Records on Violation of
Anti-Corruption Laws :
Charges or
investigation registered against subject: None
6] Records on Int’l
Anti-Money Laundering Laws/Standards :
Charges or investigation
registered against subject: None
7] Criminal Records
No
available information exist that suggest that subject or any of its principals
have been formally charged or convicted by a competent governmental authority
for any financial crime or under any formal investigation by a competent
government authority for any violation of anti-corruption laws or international
anti-money laundering laws or standard.
8] Affiliation with
Government :
No record
exists to suggest that any director or indirect owners, controlling
shareholders, director, officer or employee of the company is a government
official or a family member or close business associate of a Government
official.
9] Compensation Package :
Our market
survey revealed that the amount of compensation sought by the subject is fair
and reasonable and comparable to compensation paid to others for similar
services.
10] Press Report :
No press reports / filings exists on
the subject.
CORPORATE GOVERNANCE
MIRA INFORM as part of its Due Diligence do provide comments on
Corporate Governance to identify management and governance. These factors often
have been predictive and in some cases have created vulnerabilities to credit
deterioration.
Our Governance Assessment focuses principally on the interactions
between a company’s management, its Board of Directors, Shareholders and other
financial stakeholders.
CONTRAVENTION
Subject is not known to have contravened any existing local laws, regulations
or policies that prohibit, restrict or otherwise affect the terms and
conditions that could be included in the agreement with the subject.
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.55.38 |
|
|
1 |
Rs.86.75 |
|
Euro |
1 |
Rs.68.06 |
INFORMATION DETAILS
|
Report Prepared
by : |
NIT |
SCORE & RATING EXPLANATIONS
|
SCORE FACTORS |
RANGE |
POINTS |
|
HISTORY |
1~10 |
3 |
|
PAID-UP CAPITAL |
1~10 |
3 |
|
OPERATING SCALE |
1~10 |
3 |
|
FINANCIAL CONDITION |
|
|
|
--BUSINESS SCALE |
1~10 |
3 |
|
--PROFITABILIRY |
1~10 |
3 |
|
--LIQUIDITY |
1~10 |
3 |
|
--LEVERAGE |
1~10 |
3 |
|
--RESERVES |
1~10 |
3 |
|
--CREDIT LINES |
1~10 |
3 |
|
--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 |
|
27 |
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.