MIRA INFORM REPORT

 

 

Report Date :

27.06.2012

 

IDENTIFICATION DETAILS

 

Name :

JSW JAIGARH PORT LIMITED

 

 

Registered Office :

Jindal Mansion, 5A, Dr. G. Deshmukh Marg, Mumbai-400026, Maharashtra 

 

 

Country :

India

 

 

Financials (as on) :

31.03.2011

 

 

Date of Incorporation :

06.01.2007

 

 

Com. Reg. No.:

11-166784

 

 

Capital Investment / Paid-up Capital :

Rs.1500.000 Millions

 

 

CIN No.:

[Company Identification No.]

U45205MH2007PLC166784

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

MUMJ12503B

 

 

Legal Form :

A Closely Held Public Limited Liability Company

 

 

Line of Business :

Providing Shipping Services.

 

 

No. of Employees :

Information denied by the management.

 

 

RATING & COMMENTS

 

MIRA’s Rating :

B (30)

 

RATING

STATUS

 

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Maximum Credit Limit :

USD 13000000

 

 

Status :

Moderate

 

 

Payment Behaviour :

Slow but correct

 

 

Litigation :

Clear

 

 

Comments :

Subject is an established company having moderate track. 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 cautions.

 

NOTES :

Any query related to this report can be made on e-mail : infodept@mirainform.com while quoting report number, name and date.

 

 

INFORMATION DECLINED BY

 

Name :

Mr. Patil

Designation :

Commercial Manager

Contact No.:

91-2357-242551/3

Date :

26.06.2012

 

 

LOCATIONS

 

Registered Office :

Jindal Mansion, 5A, Dr. G. Deshmukh Marg, Mumbai-400026, Maharashtra, India  

Tel. No.:

91-22-23513001

Fax No.:

91-22-23526400

E-Mail :

gazal.qureshi@jsw.in

 

 

Branch Office :

PO Jaigarh, District Ratnagiri-415614, Maharashtra, India

 

 

DIRECTORS

 

As on 30.08.2011

 

Name :

Mr. Nirmal Kumar Jain

Designation :

Chairman cum Managing Director

Address :

Suman Play Ground Road, Ville Parle, Mumbai-400057, Maharashtra, India

Date of Birth/Age :

03.05.1945

Date of Appointment :

06.01.2007

Din No.:

00019442

 

 

Name :

Mr. Bhartula Venkat Jogi Kameshwar Sharma

Designation :

Vice Chairman

Address :

1406, 14th Floor, Mount Alps, A Wing, Bhakti Park, Near Imax Theater, Mumbai-400037, Maharashtra, India

Date of Birth/Age :

01.01.1963

Date of Appointment :

06.01.2007

Din No.:

00017758

 

 

Name :

Mr. Kantilal Narandas Patel

Designation :

Director

Address :

12, Yesho Mangal, 64B, Lallubhai Shamal Das Road, Mumbai-400058, Maharashtra, India

Date of Birth/Age :

30.05.1951

Date of Appointment :

26.06.2007

Din No.:

00019414

 

 

KEY EXECUTIVES

 

Name :

Mr. Patil

Designation :

Commercial Manager

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

As on 30.08.2011

 

Names of Shareholders

 

No. of Shares

JSW Infrastructure Limited, India

 

149999400

Nirmal Kumar Jain

 

100

Bhartula Venkat Jogi Kameshwar Sharma

 

100

Balwant Ranka Kumar

 

100

Kantilal N. Patel

 

100

Bibhu Padarabinda Tripathy

 

100

JSW Investments Private Limited, India

 

100

 

 

 

Total

 

150000000

 

As on 30.08.2011

 

Equity Share Breakup

 

Percentage of Holding

Category

 

 

Bodies corporate

 

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Providing Shipping Services.

 

 

GENERAL INFORMATION

 

No. of Employees :

Information denied by the management.

 

 

Bankers :

Punjab National Bank, Large Corporation Branch, Makers Tower E, Cuffe Parade, Mumbai-400005, Maharashtra, India

 

 

Facilities :

Secured Loan

As on 31.03.2011

[Rs. in Millions]

As on 31.03.2010

[Rs. in Millions]

Rupee term loans banks

2413.089

2037.060

Rupee term loans financial institutions

0.000

1565.200

Total

2413.089

3602.260

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

Shah Gupta and Company

Chartered Accountants

Address :

38, Mutual Building, 2nd Floor, Dr. D.N. Road, Mumbai-400001, Maharashtra, India

Tel. No.:

91-22-40851000

Fax No.:

91-22-4085-1015

E-Mail :

contact@shahgupta.com

Website:

http://www.shahgupta.com

Pan No.:

AAASS7702S

 

 

Holding Company :

JSW Infrastructure Limited

 

 

Ultimate Holding Company :

·         JSW Investment Private Limited

·         JSW Infrastructure Fintrade Private Limited

 

 

Associates :

·         JSW Steel Limited

·         JSW Energy Limited (erstwhile JSW Energy (Ratnagiri) Limited)

·         JSW Cement Limited

·         South West Port Limited

·         JSW Jaigarh Infrastructure Development Private Limited (JSW JIDPL)

·         JSW Shipyard Private Limited

·         Nalwa Fintrade Private Limited

·         JSW JPL Employee Welfare Trust

 

 

CAPITAL STRUCTURE

 

As on 31.03.2011

 

Authorised Capital :

No. of Shares

Type

Value

Amount

180000000

Equity Shares

Rs.10/- each

Rs.1800.000 Millions

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

150000000

Equity Shares

Rs.10/- each

Rs.1500.000 Millions

 

 

As on 30.08.2011

 

Authorised Capital : Rs.10000.000 Millions

 

Issued, Subscribed & Paid-up Capital : Rs.3700.000 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

1500.000

1500.000

860.000

2] Share Application Money

1810.000

0.000

0.000

3] Reserves & Surplus

42.996

12.681

0.000

4] (Accumulated Losses)

0.000

0.000

0.000

NETWORTH

3352.996

1512.681

860.000

LOAN FUNDS

 

 

 

1] Secured Loans

2413.089

3602.260

1974.254

2] Unsecured Loans

0.000

0.000

0.000

TOTAL BORROWING

2413.089

3602.260

1974.254

DEFERRED TAX LIABILITIES

0.000

0.000

0.000

 

 

 

 

TOTAL

5766.085

5114.941

2834.254

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

5510.071

3225.785

58.747

Capital work-in-progress

80.518

2182.251

2796.689

 

 

 

 

INVESTMENT

0.000

0.000

0.000

DEFERREX TAX ASSETS

0.000

0.000

0.000

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

27.497

0.000

0.244

 

Sundry Debtors

213.287

122.616

0.000

 

Cash & Bank Balances

97.369

180.113

163.922

 

Other Current Assets

0.000

0.000

0.000

 

Loans & Advances

131.572

110.270

58.782

Total Current Assets

469.725

412.999

222.948

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Sundry Creditors

130.449

155.383

201.250

 

Other Current Liabilities

161.978

550.711

40.144

 

Provisions

1.802

0.000

2.736

Total Current Liabilities

294.229

706.094

244.130

Net Current Assets

175.496

(293.095)

(21.182)

 

 

 

 

MISCELLANEOUS EXPENSES

0.000

0.000

0.000

 

 

 

 

TOTAL

5766.085

5114.941

2834.254

 


PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

 

31.03.2011

31.03.2010

 

SALES

 

 

 

 

 

Income

 

890.600

142.443

 

 

Other Income

 

6.729

7.124

 

 

TOTAL                                     (A)

 

897.329

149.567

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Manufacturing Service Costs

 

128.371

6.360

 

 

Contract Cost

 

165.230

34.260

 

 

Employee Related Expenses

 

37.953

0.000

 

 

Administrative Selling and Other Expenses

 

29.695

7.333

 

 

Prior Period Expenses

 

0.000

22.561

 

 

TOTAL                                     (B)

 

361.249

70.514

 

 

 

 

 

Less

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

 

536.080

79.053

 

 

 

 

 

Less

FINANCIAL EXPENSES                         (D)

 

265.767

42.206

 

 

 

 

 

 

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

 

270.313

36.847

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                     (F)

 

233.051

21.570

 

 

 

 

 

 

PROFIT / (LOSS) BEFORE TAX (E-F)                (G)

 

37.262

15.277

 

 

 

 

 

Less

TAX                                                                  (H)

 

6.947

2.596

 

 

 

 

 

 

PROFIT / (LOSS) AFTER TAX (G-H)                  (I)

 

30.315

12.681

 

 

 

 

 

Add

PREVIOUS YEARS’ BALANCE BROUGHT FORWARD

 

12.700

0.000

 

 

 

 

 

 

BALANCE CARRIED TO THE B/S

 

43.015

12.681

 

 

 

 

 

 

EARNINGS IN FOREIGN CURRENCY

 

 

 

 

 

Berth Hire Charges

 

43.103

12.257

 

 

Pilotage

 

17.866

4.429

 

 

Port Dues

 

9.078

1.815

 

 

Water Supply Charges

 

0.007

0.037

 

TOTAL EARNINGS

 

70.054

18.538

 

 

 

 

 

 

IMPORTS

 

 

 

 

 

Capital Goods

 

0.000

1089.727

 

 

Stores and Spares

 

1.895

0.000

 

TOTAL IMPORTS

 

1.895

1089.727

 

 

 

 

 

 

Earnings / (Loss) Per Share (Rs.)

 

 

 

 

Basic

 

0.20

0.11

 

Diluted

 

0.16

0.11

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2011

31.03.2010

31.03.2009

PAT / Total Income

(%)

3.37

8.47

NA

 

 

 

 

 

Net Profit Margin

(PBT/Sales)

(%)

4.18

10.72

NA

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

0.62

0.42

NA

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

0.01

0.01

NA

 

 

 

 

 

Debt Equity Ratio

(Total Liability/Networth)

 

0.81

2.85

2.57

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

1.60

0.58

0.91

 

 

LOCAL AGENCY FURTHER INFORMATION

 

DETAILS OF SUNDRY CREDITORS:

 

Particulars

 

31.03.2011

(Rs. in millions)

31.03.2010

(Rs. in millions)

31.03.2009

(Rs. in millions)

Sundry Creditors

130.449

155.383

201.250

 

 

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

Yes

5) Type of Business

Yes

6) Line of Business

Yes

7) Promoter’s background

Yes

8) No. of employees

Yes

9) Name of person contacted

Yes

10) Designation of contact person

Yes

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

Yes

15) Capital in the business

Yes

16) Details of sister concerns

Yes

17) Major suppliers

No

18) Major customers

No 

19) Payments terms

Yes

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

Yes

30) Major Shareholders, if available

Yes

 

FINANCIAL RESULTS:

 

The year 2010-11 was a watershed year for Jaigarh Port. The Greenfield port of Jaigarh has emerged as an alternative gateway on the West coast for their country trade. During the year the Company has successfully commissioned the total mechanized material handling system and handled 26 vessels and 1.26 million ton of cargo out of which 0.92 million ton was for JSW Energy. The Port has registered an all time high handling rate of 50489 MT PWWD (per weather working day).

 

The total income for the period stood at Rs. 897.300 Millions (last year Rs. 149.600 Millions). This includes the commitment charges paid by JSW Energy (Ratnagiri) Limited of Rs. 457.300 Millions (last year Rs. 96.200 Millions) for the period. The EBIDTA for the period was Rs. 536.100 Millions (last year Rs. 101.700 Millions).

 

The Company ended the year with Profit before Tax of Rs. 37.300 Millions and Profit after Tax of Rs. 30.300 Millions.

 

FINANCE:

 

A consortium of lenders led by Industrial Development and Finance Company Limited (IDFC) has sanctioned Rs. 5000.000 Millions of term loan for setting up Phase 1 of the Port. The peak utilization of the loan during the year has been Rs. 4380.000 Millions. However, the Company, keeping in view the rising trend of interest rates has opted for partial prepayment of the aforesaid loan. The outstanding loan as on 31st March 2011 is Rs. 2410.000 Millions.

 

BANKERS CHARGES REPORT AS PER REGISTRY

 

This form is for

Modification of charge

Charge identification number of the modified 

10111693

Corporate identity number of the company

U45205MH2007PLC166784

Name of the company

JSW JAIGARH PORT LIMITED

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

Jindal Mansion, 5A, Dr. G. Deshmukh Marg, Mumbai-400026, Maharashtra, India  

Type of charge

Immovable Property

Particular of charge holder

Punjab National Bank, Large Corporation Branch, Makers Tower E, Cuffe Parade, Mumbai-400005, Maharashtra, India

Email

pnbifb@vsnl.com

Nature of description of the instrument creating or modifying the charge

Supplemental deed of mortgage dated 16th September, 2011

Date of instrument Creating the charge

16.09.2011

Amount secured by the charge

Rs.3150.000 Millions

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

Rate of Interest

10.50%

 

Terms of Repayment

Borrower shall repay the senior rupee loans for Rs 5000.000 Millions in 40 quarterly installments the borrower has repaid in full a sum of Rs. 2200.000 Millions pertaining to two consortium lenders and the outstanding amount pertaining to other lenders is Rs. 2800.000 Millions. In connection with Rs 350.000 Millions non fund base limit -maximum of 10 years for EPCG Bank guarantee and maximum upto 12 months for the bank guarantee issued in favour custom dept as a custodial of cargo.

 

Margin

26.14%

 

Extent and Operation of the charge

As per clause no. 4 of the supplemental deed of mortgage

Short particulars of the property charged

As per schedule ii to the supplemental deed of mortgage

Date of latest modification prior to the present modification

30.09.2010

Particulars of the present modification 

Additional immovable property charged in favour of security trustee for the outstanding loan of Rs. 2800.000 Millions (original loan of Rs. 5000.000 Millions repaid Rs. 2200.000 Millions to two lenders in full) and in addition to it credit facility of Rs 350.000 Millions in form of bank guarantee Rs 250.000 Millions and letter of credit Rs 100.000 Millions vide supplemental mortgage deed dated 16/09/2011.

 

CONTINGENT LIABILITIES NOT PROVIDED FOR:

 

Particulars

 

31.03.2011

(Rs. in millions)

31.03.2010

(Rs. in millions)

Guarantees given by Banks on behalf of Company:

 

 

(i) Customs duty against EPCG obligation

242.669

242.832

(ii) Construction Guarantee to Maharashtra Maritime Board

0.000

50.000

Total

242.669

292.832

 

FIXED ASSETS:

 

·         Leasehold Land

·         Plant and Machinery

·         Furniture and Fixtures

·         Vehicles

·         Temporary Sheds

·         Building

 

PRESS RELEASE:

 

JSW JAIGARH PORT INAUGURATED ON AUGUST 22, 2009.

 

Mumbai, August 24, 2009: Mr. Narayan Rane, Hon’ble Minister for Industries and Ports, Government of Maharashtra inaugurated the JSW Jaigarh Port at a grand ceremony held on August 22, 2009 at Jaigarh in Maharashtra. With this, the JSW Group has successfully ventured into the Greenfield port development. JSW Infrastructure Limited, the infrastructure vertical of JSW Group has developed the Jaigarh Port as all-weather, deep-water multi-commodity port.

 

While addressing the gathering of more than 2500 people, Mr. Sajjan Jindal, Vice Chairman and Managing Director of JSW Group said, “We always have the vision to create a world class port infrastructure in the country. We are delighted with the commissioning of Jaigarh Port. This is a historic day for the people in this region. I am grateful to the Government of Maharashtra for supporting this project.”

 

Located in the protected surrounding of Jaigarh in Dhamankhot bay on the western coast of India, JSW Jaigarh port is a deep-water port. Apart from containerized cargo, the Port has the capacity to handle 10 Million tons per annum in phase-1, which will be increased to 20 Million tons per annum in the phase-II. The Port will cater to the coal requirements of the power plants and will also handle additional cargo including coal, bauxite, raw sugar, ash, cement, iron ore, fertilizers, edible oil, molasses and completely / semi knocked down kits. The Port has undertaken all the necessary precautions in maintaining pollution levels to a minimum prescribed level.

 

Mr. Narayan Rane, Hon’ble Minister for Industries and Ports, Government of Maharashtra while complementing JSW Group for its achievement said, “I thank JSW Group for choosing Konkan area for developing the port. It is the maritime marvel. This will help to bring industrial development in this region.”

 

Infrastructure and logistics sums up JSW Group’s diversification programme. JSW Infrastructure has been supporting the Group’s maritime logistic needs by operating modern, mechanized bulk and general cargo berths at Mormugao Port in Goa and further looking after the import and export requirements. These successful operations have encouraged the Group to enter into maritime business commercially. One of its Group Company “South West Port Limited” has developed Berth no. 5A and 6A in Mormugao Harbour on BOOT Basis and has successfully handled 20 million tonne of cargo.

 

Capt. BVJK Sharma, Joint Managing Director and CEO, JSW Infrastructure Limited, said “JSW Jaigarh Port is the deep-water and equipped with modern technology. It is the second largest port of such magnitude in Maharashtra in terms of draught and ability to handle ships bigger than panamax vessels and will cater to the growing needs of the business community in this region.

 

In the phase-1, the Port is equipped with two berths of 550-meter quay length for handling 105,000 DWT vessels bulk cargo. The Port is able to handle bulk, general and container cargo using ships gear. In the phase –1, JSW Infrastructure has invested Rs. 6770.000 Millions. In the month of August, MV Zhen Hua-4, the first vessel berthed in the Jaigarh Port.

 

JSW Jaigarh Port is designed to handle Capesize vessels but t in the first phase; it is being dredged to handle Panamax vessels with a draft of 14 mtr. The Company has ambitious plans to develop this Port. In phase-II, it would be capable of handling 180,000 DWT capacity vessels with draft of 18 mtr. Subsequently five more berths spanning 1500 mtr for handling multiple cargos will be constructed along with adequate back up area and modern container handling equipments. Further, rail, road and inland waterway projects are being taken up simultaneously to propel actively. The Company is pursuing with the Government of Maharashtra to construct a four-lane road connecting it to the National Highway 16. Mr. Jindal believes, “True development can only come in if the infrastructure of the area improves”.

 

JSW Group always believes in the ‘inclusive growth’. It is the basic philosophy of the Group. The Group has taken several steps to ensure the prosperity of the people in this region by encouraging their participation in every social activity. The core center of the development is the human being and all activities take shapes around it. Presently, The Group is focusing on education, health, infrastructure development of the schools and villages by using Participatory Rural Appraisal Method and empowerment of women by forming Self-Help Groups.

 

About JSW Group:

 

JSW Group is a part of USD 8 billion O. P. Jindal Group. Under the dynamic leadership of Mr. Sajjan Jindal, JSW Group is USD 3.7 billion enterprise with interests across various core economic sectors – Steel, Energy, Cement, Aluminium, Minerals, Infrastructure and logistics, IT and is now flying high world over.

 

 

 


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.57.07

UK Pound

1

Rs.88.95

Euro

1

Rs.71.40

 

 

INFORMATION DETAILS

 

Information Gathered by :

PJA

 

 

Report Prepared by :

TPT


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

4

PAID-UP CAPITAL

1~10

4

OPERATING SCALE

1~10

4

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

 

30

 

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.