1. Summary Information

 

 

Country

India

Company Name

SILVER SPRING SPINNERS INDIA PRIVATE LIMITED

Principal Name 1

Mr. Chockalingam Rajesh Sivamurugan

Status

Moderate

Principal Name 2

Mr. Chockalingam Jagadish Kumar

 

 

Registration #

18-027004

Street Address

136 and 137, Mulikulam Village, Srivilliputhur, Virudhunagar – 626141, Tamilnadu, India

Established Date

10.03.1994

SIC Code

--

Telephone#

91-4563-281540 / 281720 / 281721

Business Style 1

Manufacturer

Fax #

91-4563-281543

Business Style 2

Exporter

Homepage

Not Available

Product Name 1

Cotton Yarn.

# of employees

Not Available

Product Name 2

--

Paid up capital

Rs.65,750,000/-

Product Name 3

--

Shareholders

Bodies corporate - 60.00 %

Directors or relatives of Directors - 40.00 %

Banking

State Bank of India

Public Limited Corp.

No

Business Period

18 Years

IPO

No

International Ins.

-

Public Enterprise

No

Rating

B (27)

Related Company

Relation

Country

Company Name

CEO

--

--

--

--

Note

-

 

2. Summary Financial Statement

Balance Sheet as of

31.03.2010

(Unit: Indian Rs.)

Assets

Liabilities

Current Assets

40,898,000

Current Liabilities

18,897,000

Inventories

45,234,000

Long-term Liabilities

79,800,000

Fixed Assets

119,624,000

Other Liabilities

5,342,000

Deferred Assets

0.000

Total Liabilities

104,039,000

Invest& other Assets

4,786,000

Retained Earnings

40,753,000

 

 

Net Worth

106,503,000

Total Assets

210,542,000

Total Liab. & Equity

210,542,000

 Total Assets

(Previous Year)

162,335,000

 

 

P/L Statement as of

31.03.2010

(Unit: Indian Rs.)

Gross Receipts

180,200,000

Net Profit

5,500,000

Gross Receipts (Previous yr)

167,000,000

Net Profit(Prev.yr)

(28,700,000)

 

MIRA INFORM REPORT

 

 

Report Date :

18.06.2012

 

IDENTIFICATION DETAILS

 

Name :

SILVER SPRING SPINNERS INDIA PRIVATE LIMITED

 

 

Registered Office :

136 and 137, Mulikulam Village, Srivilliputhur, Virudhunagar – 626141, Tamilnadu

 

 

Country :

India

 

 

Financials (as on) :

31.03.2010

 

 

Date of Incorporation :

10.03.1994

 

 

Com. Reg. No.:

18-027004

 

 

Capital Investment / Paid-up Capital :

Rs.65.750 Millions

 

 

CIN No.:

[Company Identification No.]

U17293TN1994PTC027004

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

MRIS01692F

 

 

Legal Form :

Private Limited Liability Company

 

 

Line of Business :

Manufacturer and Exporter of Cotton Yarn.

 

 

No. of Employees :

Not Available

 

 

RATING & COMMENTS

 

MIRA’s Rating :

B (27)

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Maximum Credit Limit :

USD 420000

 

 

Status :

Moderate

 

 

Payment Behaviour :

Slow but correct

 

 

Litigation :

Clear

 

 

Comments :

Subject is an established company having moderate track. The company has been successful in wiping off its accumulated losses recorded. However, trade relations are reported as fair. Business is active. Payments are reported to be slow but correct.

 

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

 

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)

India

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 / Factory :

136 and 137, Mulikulam Village, Srivilliputhur, Virudhunagar – 626141, Tamilnadu, India

Tel. No.:

91-4563-281540 / 281720 / 281721

Fax No.:

91-4563-281543

E-Mail :

camoothy.sivakasi@gmail.com

 

 

DIRECTORS

 

As on 22.09.2011

 

Name :

Mr. Chockalingam Rajesh Sivamurugan

Designation :

Director

Address :

55-A, Velayutham Road, Sivakasi - 626123. Tamilnadu, India

Date of Birth/Age :

04.08.1964

Date of Appointment :

03.07.1995

DIN No.:

01145047

Other Directorship

S.No.

CIN/LLPIN

NAME OF THE COMPANY/ LLP

Current designation of the Director/ Designated Partner

Date of appointment at current designation

Original date of appointment

Date of cessation

Company/ LLP Status

Defaulting status

1

U17293TN1994PTC027004

SILVER SPRING SPINNERS INDIA PRIVATE LIMITED

Director

3/7/1995

3/7/1995

-

Active

NO

2

U51396KA1999PTC024692

NIGHTINGALE MARKETING COMPANY PRIVATE LIMITED

Director

1/2/1999

1/2/1999

-

Active

NO

3

U22219TN1990PTC019730

SRINIVAS FINE ARTS PRIVATE LIMITED

Director

1/4/2002

1/4/2002

-

Active

NO

4

U22212TN2005PTC055657

SFA PRINT PRIVATE LIMITED

Director

15/03/2005

15/03/2005

1/4/2007

Active

NO

5

U21093TN2005PTC055613

SPECIALITY PAPER AND BOARDS PRIVATE LIMITED

Director

14/04/2005

14/04/2005

-

Active

NO

6

U52599TN1994PTC029083

IMAGE HOUSE EXPORTS PRIVATE LIMITED

Director

1/4/2007

1/4/2007

-

Active

NO

7

U24232TN2009PTC073025

RIVERSIDE BIOTECH PRIVATE LIMITED

Director

29/09/2009

29/09/2009

-

Active

NO

8

U01409TN2010PTC077450

GOVARDHAN FARMS PRIVATE LIMITED

Director

22/09/2010

22/09/2010

-

Active

NO

9

U01407TN2010PTC077449

SAPTHAGIRI BIO FARMS PRIVATE LIMITED

Director

22/09/2010

22/09/2010

-

Active

NO

 

 

Name :

Mr. Chockalingam Jagadish Kumar

Designation :

Director

Address :

234-G, Gnanagiri Road, Sivakasi -  626123, Tamilnadu, India

Date of Birth/Age :

09.05.1975

Date of Appointment :

03.07.1995

DIN No.:

00022002

Other Directorship

S.No.

CIN/LLPIN

Name of the Company/ LLP

Current designation of the Director/ Designated Partner

Date of appointment at current designation

Original date of appointment

Date of cessation

Company/ LLP Status

Defaulting status

1

U17293TN1994PTC027004

SILVER SPRING SPINNERS INDIA PRIVATE LIMITED

Director

3/7/1995

3/7/1995

-

Active

NO

2

U22219TN1990PTC019730

SRINIVAS FINE ARTS PRIVATE LIMITED

Director

1/4/2002

1/4/2002

1/4/2007

Active

NO

3

U52599TN1991PTC020537

ROSE FLOWER COMPANY (PAPERS) PRIVATE LIMITED

Director

3/10/2002

3/10/2002

-

Active

NO

4

U17219TN2004PTC052816

SFA TECHNICAL CREATIONS PRIVATE LIMITED

Managing director

26/03/2004

26/03/2004

-

Active

NO

5

U22212TN2005PTC055657

SFA PRINT PRIVATE LIMITED

Director

15/03/2005

15/03/2005

16/07/2011

Active

NO

6

U74999TN2012PTC084711

ELIXIR SERVICES INDIA PRIVATE LIMITED

Director

29/02/2012

29/02/2012

-

Active

NO

 

 

Name :

Mr. Vivekanandhan Ganesh Kumar

Designation :

Director

Address :

234-H, Gnanagiri Road, Sivakasi -  626123, Tamilnadu, India

Date of Birth/Age :

24.03.1974

Date of Appointment :

27.06.2003

DIN No.:

01145396

Other Directorship

S.No.

CIN/LLPIN

Name of the Company/ LLP

Current designation of the Director/ Designated Partner

Date of appointment at current designation

Original date of appointment

Date of cessation

Company/ LLP Status

Defaulting status

1

U22219TN1990PTC019730

SRINIVAS FINE ARTS PRIVATE LIMITED

Director

3/10/2002

3/10/2002

-

Active

NO

2

U17293TN1994PTC027004

SILVER SPRING SPINNERS INDIA PRIVATE LIMITED

Director

27/06/2003

27/06/2003

-

Active

NO

3

U05004TN2004PTC054617

SFA LIVING GEMS PRIVATE LIMITED

Director

8/11/2004

8/11/2004

-

Active

NO

4

U22212TN2005PTC055657

SFA PRINT PRIVATE LIMITED

Managing director

3/8/2011

15/03/2005

-

Active

NO

 

 

Name :

Mr. Rajendran Sridhar

Designation :

Director

Address :

259-A, Gnanagiri Road, Sivakasi -  626123, Tamilnadu, India

Date of Birth/Age :

27.04.1976

Date of Appointment :

03.10.2002

DIN No.:

00022095

Other Directorship

S.No.

CIN/LLPIN

Name of the Company/ LLP

Current designation of the Director/ Designated Partner

Date of appointment at current designation

Original date of appointment

Date of cessation

Company/ LLP Status

Defaulting status

1

U17293TN1994PTC027004

SILVER SPRING SPINNERS INDIA PRIVATE LIMITED

Director

3/10/2002

3/10/2002

-

Active

NO

2

U22219TN1990PTC019730

SRINIVAS FINE ARTS PRIVATE LIMITED

Director

3/10/2002

3/10/2002

1/4/2007

Active

NO

3

U52599TN1994PTC029083

IMAGE HOUSE EXPORTS PRIVATE LIMITED

Director

3/10/2002

3/10/2002

19/08/2011

Active

NO

4

U22212TN2005PTC055657

SFA PRINT PRIVATE LIMITED

Director

15/03/2005

15/03/2005

1/4/2007

Active

NO

5

U15495TN2005PTC057022

AMRIT SPICES PRIVATE LIMITED

Director

25/07/2005

25/07/2005

-

Active

NO

 

 

Name :

Mr. Ramasamy Rajendran

Designation :

Director

Address :

259-A, Gnanagiri Road, Sivakasi -  626123, Tamilnadu, India

Date of Birth/Age :

12.04.1948

Date of Appointment :

01.04.2007

DIN No.:

01472403

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

As on 22.09.2011

 

Names of Shareholders

 

No. of Shares

R. Chockalingam

 

9000

R. Chockalingam (B. HUF)

 

8500

R. Chockalingam (S. HUF)

 

500

R. Velayutham

 

9000

R. Velayutham (HUF)

 

8500

R. Rajendran

 

62500

R. Rajendran (B. HUF)

 

8500

R. Rajendran (S. HUF)

 

500

C Thartgeeswarai

 

9000

V. Surya Prabha

 

9000

R. Vasugidevi

 

9000

C. Rajesh Sivamurugan

 

17500

C. Jagadish Kumar

 

9000

R. Sridhar

 

71000

R. Meenakshi

 

8500

R.M. Balayokini

 

3000

C. Shenbagamoorthy

 

3500

S. Revathy

 

3000

C. Grahadurai

 

3000

P.S.C Ramasamy Nadar

 

8500

Image House Exports Private Limited, India 

 

72500

Srinivas Fine Arts Private Limited, India

 

324000

Total

 

657500

 

 

As on 22.09.2011

Equity Share Break up (Percentage of Total Equity)

 

Category

Percentage

Bodies corporate

60.00

Directors or relatives of Directors

40.00

Total

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Manufacturer and Exporter of Cotton Yarn.

 

 

PRODUCTION STATUS (As on 31.03.2010)

 

Particulars

Licensed Capacity

Installed Capacity

Actual Production

Spindles

24000

15808

15808

 

 

GENERAL INFORMATION

 

No. of Employees :

Not Available

 

 

Bankers :

State Bank of India, 11,Velayutham Road, Sivakasi - 626123, Tamilnadu, India

 

 

Facilities :

(Rs. In Millions)

Secured Loan

As on

31.03.2010

As on

31.03.2009

Bank Term Loan

8.643

13.384

Working Capital Borrowings

34.484

41.294

Total

43.127

54.678

 

 

 

Unsecured Loan

As on

31.03.2010

As on

31.03.2009

Loan from Director

6.287

3.876

Loan from Others

30.386

23.857

Total

36.673

27.733

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

K.K.B and Associates

Chartered Accountants

Address :

No.6,(New No:13),Visalakshipuram, Main Road, Reserve Line Post, Madurai – 625014, Tamilnadu, India

Tel. No.:

91-452-2347153 / 2529153

PAN.:

ACZPS9338N

 

 

CAPITAL STRUCTURE

 

As on 31.03.2011

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

657500

Equity Shares

Rs.100/- each

Rs.65.750 Millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

657500

Equity Shares

Rs.100/- each

Rs.65.750 Millions

 

 

 

 

 

 

FINANCIAL DATA

[all figures are in Rupees Millions]

 

ABRIDGED BALANCE SHEET

 

SOURCES OF FUNDS

 

31.03.2010

31.03.2009

31.03.2008

SHAREHOLDERS FUNDS

 

 

 

1] Share Capital

65.750

65.750

65.750

2] Share Application Money

0.000

0.000

0.000

3] Reserves & Surplus

40.753

40.500

40.500

4] (Accumulated Losses)

0.000

(46.503)

(17.786)

NETWORTH

106.503

59.747

88.464

LOAN FUNDS

 

 

 

1] Secured Loans

43.127

54.678

58.120

2] Unsecured Loans

36.673

27.733

27.434

TOTAL BORROWING

79.800

82.411

85.554

DEFERRED TAX LIABILITIES

4.842

0.000

0.000

 

 

 

 

TOTAL

191.145

142.158

174.018

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

119.624

82.827

108.586

Capital work-in-progress

0.000

0.000

0.000

 

 

 

 

INVESTMENT

4.786

4.786

7.005

DEFERREX TAX ASSETS

0.000

0.000

0.000

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

45.234

32.352

25.351

 

Sundry Debtors

24.271

22.181

32.805

 

Cash & Bank Balances

1.790

4.569

2.443

 

Other Current Assets

0.000

0.000

0.000

 

Loans & Advances

14.837

15.620

14.919

Total Current Assets

86.132

74.722

75.518

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Sundry Creditors

16.455

17.815

14.080

 

Other Current Liabilities

2.442

2.362

3.011

 

Provisions

0.500

0.000

0.000

Total Current Liabilities

19.397

20.177

17.091

Net Current Assets

66.735

54.545

58.427

 

 

 

 

MISCELLANEOUS EXPENSES

0.000

0.000

0.000

 

 

 

 

TOTAL

191.145

142.158

174.018

 


PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

31.03.2010

31.03.2009

31.03.2008

 

SALES

 

 

 

 

 

Gross Receipts

180.200

167.000

253.500

 

 

Other Income

0.000

8.300

5.900

 

 

 

 

 

 

EXPENSES

 

 

 

 

 

Raw Materials Consumed / Manufacturing Expenses

152.900

158.800

227.600

 

 

Administration and Selling Expenses

10.200

13.000

17.600

 

 

 

 

 

 

PROFIT BEFORE INTEREST, TAX, DEPRECIATION AND AMORTISATION

23.200

3.600

16.600

 

 

 

 

 

Less

FINANCIAL EXPENSES                        

7.100

7.600

9.200

 

 

 

 

 

 

PROFIT / (LOSS) BEFORE TAX, DEPRECIATION AND AMORTISATION

16.100

(4.000)

7.400

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                    

10.600

24.700

24.500

 

 

 

 

 

 

PROFIT / (LOSS) BEFORE TAX

5.500

(28.700)

(17.100)

 

 

 

 

 

Less

TAX                                                                 

0.000

0.000

0.000

 

 

 

 

 

 

PROFIT / (LOSS) AFTER TAX

5.500

(28.700)

(17.100)

 

 

 

 

 

 

EARNINGS IN FOREIGN CURRENCY

1.937

0.516

NA

 

 

 

 

 

 

IMPORTS

 

 

 

 

 

Raw Materials

0.092

13.028

NA

 

 

Capital Goods

0.000

0.000

NA

 

TOTAL IMPORTS

0.092

13.028

NA

 

 

 

 

 

 

Earnings Per Share (Rs.)

8.37

NA

NA

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2010

31.03.2009

31.03.2008

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

2.67

(18.22)

(9.29)

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

0.05

(0.48)

(0.19)

 

 

 

 

 

Debt Equity Ratio

(Total Liability/Networth)

 

0.93

1.72

1.16

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

4.44

3.70

4.42

 

 

 

LOCAL AGENCY FURTHER INFORMATION

 

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

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

--

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

 

Note:

The registered office of the company has been shifted from 118/2 Velayutham Road, Sivakasi – 626123, Tamilnadu, India to present address w.e.f. 16.01.2012

 

 

 

BANKERS CHARGES REPORT AS PER REGISTRY

 

Corporate identity number of the company

U17293TN1994PTC027004

Name of the company

SILVER SPRING SPINNERS INDIA PRIVATE LIMITED

Address of the registered office or of the principal place of  business in India of the company

136 and 137, Mulikulam Village, Srivilliputhur, Virudhunagar – 626141, Tamilnadu, India

ao.textiles@sfa.co.in

This form is for

Modification of charge

Charge identification (ID) number of the charge to be modified

90293696

Type of charge

·         Immovable property

·         Book debts

·         Movable property (not being pledge)

Particular of charge holder

State Bank Of India, 11,Velayutham Road, Sivakasi - 626123, Tamilnadu, India

sbi.00975@sbi.co.in

Nature of instrument creating charge

Agreement of Loan-Cum-Hypothecation

Date of instrument Creating the charge

24.03.2011

Amount secured by the charge

Rs.87.700 Millions

Brief of the principal terms an conditions and extent and operation of the charge

Rate of Interest

Working Capital: Interest at the rate of 15% p.a.

Term loan: 15.50% p.a.

 

Terms of Repayment

Working Capital Repayable on demand. Term loan as per schedule

 

Margin

1.Raw material imported / indigenous - 25%

2.Finished, Semi Finished Goods - 25%

3.Components / Consumables / Spares - 25%

4.Domestic receivables - 40%

5.Export Packing Credit - 25%

6.Letters of Credit, Bank Guarantees - 15%

 

Extent and Operation of the charge

Exclusive Charge to the Charge holder

 

Others

Personal Guarantee of C. Rajesh Sivamurugan, C. Jagadishkumar, R. Sridhar, R. Rajendran

Short particulars of the property or asset(s) charged (including complete address and location of the property)

Stocks and receivables Factory Land and Building bearing no 108-B to 108-Fand 2/191 to 204 at 44, Mallikulam Village, Srivilliputhur SR, Virudhunagar Date (18 Survey Nos).Total area of the land - 26.26 acre. Building 1046 sq mt

Factory Land and Building bearing dood nos 108/A, 2/189, 2/190, and 203 at 44, mullikulam village, Srivilliputhur SR, Virudhunagar Date. (In 22 Survey Nos). Total area-15.69acre.(Survey Nos.137/A,137/1B Plant and machineries

Particulars of the present modification

Enhanced from Rs.51.700 Millions to Rs.87.700 Millions

 

Fixed Assets

·       Land – Factory

·       Land – Windmill

·       Building

·       Furniture and Fittings

·       Office Equipment

·       Electrical Installations

·       Vehicles

·       Plant and Machinery

·       Tools and Accessories

·       Canteen Equipment

·       Lab Equipments

·       Comber Machinery

·       Cycle

·       Synthetic Plant 

 

 

 

 


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 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.55.76

UK Pound

1

Rs.86.69

Euro

1

Rs.70.44

 

 

INFORMATION DETAILS

 

Report Prepared by :

NTH

 


 

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

YES

--AFFILIATION

YES/NO

NO

--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

-

 

 

 

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.