MIRA INFORM REPORT

 

 

Report Date :

17.03.2012

 

IDENTIFICATION DETAILS

 

Name :

STCI PRIMARY DEALER LIMITED

 

 

Registered Office :

A/B1-801 (A Wing), 8th Floor, Marathon Innova, Marathon NextGen Compound, Lower Parel, Mumbai-400013, Maharashtra

 

 

Country :

India

 

 

Financials (as on) :

31.03.2011

 

 

Date of Incorporation :

31.10.2006

 

 

Com. Reg. No.:

165306

 

 

Capital Investment / Paid-up Capital :

Rs.2000.000 Millions

 

 

CIN No.:

[Company Identification No.]

U67110MH2006PLC165306

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

MUMS55878E

 

 

PAN No.:

[Permanent Account No.]

AAKCS6909H

 

 

Legal Form :

A Public Limited Liability Company

 

 

Line of Business :

Primary Dealer in Government Securities.

 

 

No. of Employees :

Not Available

 

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba (49)

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

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

Satisfactory

 

Maximum Credit Limit :

USD 10875644

 

 

Status :

Satisfactory

 

 

Payment Behaviour :

Usually Correct

 

 

Litigation :

Clear

 

 

Comments :

Subject is a wholly owned subsidiary of Securities Trading Corporation of India Finance Limited. It is an established company having satisfactory track. There appears continuous dip in the Profitability of the company. However, networth appears to be satisfactory. Trade relations are reported as fair. Business is active. Payments are reported to be usually correct and as per commitments.

 

The company can be considered normal for business dealings at usual 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.

 

INFORMATION DECLINED BY

 

Name :

Mr. Suresh

Designation :

Accounts Department

Date :

16.03.2012

 

 

LOCATIONS

 

Registered Office :

A/B1-801 (A Wing), 8th Floor, Marathon Innova, Marathon NextGen Compound, Lower Parel, Mumbai-400013, Maharashtra, India

Tel. No.:

91-22-66202200/211

Fax No.:

91-22-66202288

E-Mail :

pradeep@stcipd.com

 

 

DIRECTORS

 

AS ON 13.09.2011

 

Name :

Mr. Dipankar Basu

Designation :

Director

Address :

602 Glen Eagle G D Ambekar Marg Parel, Mumbai-400012, Maharashtra, India

Date of Birth/Age :

10.08.1935

Date of Appointment :

31.10.2006

 

Directorship in Other Companies :

S.No.

CIN

Name of the Company

Current designation of the director

Date of appointment at current designation

Original date of appointment

Date of cessation

Company Status

Defaulting status

1

U51900MH1994PLC078303

STCI Finance Limited

Director

10/05/1994

10/05/1994

-

Active

NO

2

L23100AP1989PLC010655

RAIN CALCINING LTD.

Director

18/09/1997

18/09/1997

-

Amalgamated

NO

3

L24124RJ1985PLC003293

CHAMBAL FERTILISERS AND CHEMICALS LIMITED

Director

29/11/1997

29/11/1997

-

Active

NO

4

U66010WB1932PLC007490

THE PEERLESS GENERAL FINANCE & INVESTMENT CO LTD

Director

11/05/1998

11/05/1998

-

Active

NO

5

U65999DL1998PTC093849

SBI CARDS AND PAYMENT SERVICES PRIVATE LIMITED.

Director

14/09/1998

14/09/1998

-

Active

NO

6

U85110KA1993PLC015071

IGATE GLOBAL SOLUTIONS LIMITED

Director

23/02/2000

23/02/2000

06/02/2008

Active

NO

7

L24220MH1945PLC004598

ASIAN PAINTS LIMITED

Director

15/04/2000

15/04/2000

-

Active

NO

8

L24121MH1979PLC021360

DEEPAK FERTILISERS AND PETROCHEMICALS CORPORATION LTD

Director

27/07/2000

27/07/2000

-

Active

NO

9

L22213WB1946PLC014346

SAREGAMA INDIA LIMITED

Director

24/04/2001

24/04/2001

30/06/2011

Active

NO

10

U65990MH1994PLC079263

Standard Chartered Securities (India) Limited

Director

17/04/2006

17/04/2006

21/01/2009

Active

NO

11

U67110MH2006PLC165306

STCI Primary Dealer Limited

Director

31/10/2006

31/10/2006

-

Active

NO

12

U67120WB1995PLC067616

PEERLESS SECURITIES LTD

Director

08/09/2008

29/11/2007

-

Active

NO

13

U23209AP1999PLC031631

RAIN CEMENTS LIMITED

Director

02/09/2008

29/02/2008

10/02/2011

Active

NO

14

U11100AP2008PLC058785

RAIN CII CARBON (VIZAG) LIMITED

Additional director

28/07/2011

28/07/2011

-

Active

NO

15

L26942AP1974PLC001693

RAIN COMMODITIES LIMITED

Additional director

29/07/2011

29/07/2011

-

Active

NO

 

Name :

Mr. Pundarik Sanyal

Designation :

Director

Address :

8-C Shanaz 90 Nepean Sea Road, Mumbai-400006, Maharashtra, India

Date of Birth/Age :

28.01.1950

Date of Appointment :

15.10.2007

 

Directorship in Other Companies :

S.No.

CIN

Name of the Company

Current designation of the director

Date of appointment at current designation

Original date of appointment

Date of cessation

Company Status

Defaulting status

1

U65990MH1994PLC079263

Standard Chartered Securities (India) Limited

Additional director

11/08/2007

11/08/2007

07/12/2010

Active

NO

2

U51900MH1994PLC078303

STCI Finance Limited

Managing director

01/02/2012

28/08/2007

-

Active

NO

3

U67110MH2006PLC165306

STCI Primary Dealer Limited

Director

20/08/2008

15/10/2007

-

Active

NO

4

U65990MH2001PLC131804

THE CLEARING CORPORATION OF INDIA LIMITED

Director

30/05/2008

28/12/2007

-

Active

NO

5

U67120MH2004PLC148711

STCI Commodities Limited

Director

14/08/2008

27/02/2008

-

Active

NO

 

Name :

Mr. Ramachandra Vishnupant Joshi

Designation :

Director

Address :

11 Priyadarshan Boi Housing Society, Sant  Nagar, Pune-411009, Maharashtra, India

Date of Birth/Age :

01.09.1972

Date of Appointment :

31.10.2006

 

Directorship in Other Companies :

S.No.

CIN

Name of the Company

Current designation of the director

Date of appointment at current designation

Original date of appointment

Date of cessation

Company Status

Defaulting status

1

U74999MH2003PLC140849

CLEARCORP DEALING SYSTEMS (INDIA) LIMITED

Director

11/06/2003

11/06/2003

-

Active

NO

2

L99999MH1991PLC060643

TEMPTATION FOODS LIMITED

Director

06/01/2006

06/01/2006

29/01/2010

Active

NO

3

U67110MH2006PLC165306

STCI Primary Dealer Limited

Director

31/10/2006

31/10/2006

-

Active

NO

 

Name :

Mr. Pradeep Motiram Madhav

Designation :

Director

Address :

J-25 RHS  Sector 6 Vashi, Navi Mumbai-400703, Maharashtra, India

Date of Birth/Age :

31.07.1957

Date of Appointment :

04.05.2007

 

Directorship in Other Companies :

S.No.

CIN

Name of the Company

Current designation of the director

Date of appointment at current designation

Original date of appointment

Date of cessation

Company Status

Defaulting status

1

U67120MH2004PLC148711

STCI Commodities Limited

Director

12/09/2006

12/09/2006

-

Active

NO

2

U67110MH2006PLC165306

STCI Primary Dealer Limited

Managing director

01/10/2007

04/05/2007

-

Active

NO

3

U67120MH1997NPL112605

PRIMARY DEALERS' ASSOCIATION OF INDIA

Director

27/06/2007

27/06/2007

-

Active

NO

4

U67120MH1998GAP114753

FIXED INCOME MONEY MARKET AND DERIVATIVES ASSOCIATION OF INDIA

Director

27/09/2007

27/09/2007

-

Active

NO

5

U65990MH1994PLC079263

Standard Chartered Securities (India) Limited

Director

13/09/2010

19/02/2010

07/12/2010

Active

NO

 

Name :

Mr. Anant Vishnu Rajwade

Designation :

Director

Address :

2 Parshwa Kunj Malaviya Road, Vile Parle (East), Mumbai-400057, Maharashtra, India

Date of Birth/Age :

29.09.1936

Date of Appointment :

14.06.2007

 

Directorship in Other Companies :

S.No.

CIN

Name of the Company

Current designation of the director

Date of appointment at current designation

Original date of appointment

Date of cessation

Company Status

Defaulting status

1

U29249MH1980PTC022880

JAK MINING TOOLS PRIVATE LIMITED

Director

23/07/1980

23/07/1980

-

Strike off

NO

2

L72100MH1995PLC084788

CYBERTECH SYSTEMS AND SOFTWARE LIMITED

Director

23/05/1995

23/05/1995

30/09/2011

Active

NO

3

U67200TN2000PLC045611

ROYAL SUNDARAM ALLIANCE INSURANCE COMPANY LIMITED

Director

23/01/2001

23/01/2001

28/04/2011

Active

NO

4

U65990MH2001PLC131804

THE CLEARING CORPORATION OF INDIA LIMITED

Director

29/01/2002

29/01/2002

-

Active

NO

5

L63040MH1978PLC020717

THOMAS COOK (INDIA) LIMITED

Director

21/01/2006

21/01/2006

-

Active

NO

6

U45200MH2006PLC161190

Reliance Asset Reconstruction Company Limited

Director

20/05/2008

31/10/2006

28/12/2009

Active

NO

7

L30006TN1995PLC031651

ZYLOG SYSTEMS LIMITED

Director

21/06/2007

01/03/2007

03/08/2010

Active

NO

8

U67110MH2006PLC165306

STCI Primary Dealer Limited

Director

14/06/2007

14/06/2007

-

Active

NO

9

U74140MH2007PTC174777

A. V. Rajwade & Co. Private Limited

Director

05/10/2007

05/10/2007

-

Active

NO

 

Name :

Mr. Sridar Venkatesan

Designation :

Director

Address :

303A H P Employees CHS Plot No NDR-11, Tilak Nagar, Chembur, Mumbai-400089, Maharashtra, India

Date of Birth/Age :

28.07.1947

Date of Appointment :

02.02.2009

 

Directorship in Other Companies :

S.No.

CIN

Name of the Company

Current designation of the director

Date of appointment at current designation

Original date of appointment

Date of cessation

Company Status

Defaulting status

1

L31402WB1934PLC007993

EVEREADY INDUSTRIES INDIA LTD

Director

24/07/2009

01/08/2008

24/02/2010

Active

NO

2

U51900MH1994PLC078303

STCI Finance Limited

Director

29/09/2009

23/12/2008

-

Active

NO

3

U17119DN1982PLC000092

KRISHNA KNITWEAR TECHNOLOGY LIMITED

Director

27/06/2009

24/01/2009

15/03/2010

Active

NO

4

L17120MH1993PLC073267

ASAHI INDUSTRIES LIMITED

Director

08/08/2009

31/01/2009

15/03/2010

Active

NO

5

U67110MH2006PLC165306

STCI Primary Dealer Limited

Director

04/09/2009

02/02/2009

-

Active

NO

6

L21012TZ1960PLC000364

SESHASAYEE PAPER AND BOARDS LIMITED

Director

25/07/2009

04/06/2009

-

Active

NO

7

L15422TN1996PLC037200

PONNI SUGARS (ERODE) LIMITED

Director

22/07/2009

05/06/2009

-

Active

NO

8

L18109DN1987PLC000034

ESKAY K 'n' IT (INDIA) LIMITED

Director

22/08/2009

09/06/2009

15/03/2010

Active

NO

9

L74999DN1987PLC000035

K-LIFESTYLE & INDUSTRIES LIMITED

Director

22/08/2009

12/06/2009

15/03/2010

Active

NO

10

U65999MH2008PTC183786

Morpheus Capital Advisors Private Limited

Director

24/09/2009

08/09/2009

-

Active

NO

11

U40101TN1997PLC037663

LANCO TANJORE POWER COMPANY LIMITED

Director

14/07/2010

18/01/2010

-

Active

NO

12

L65190GJ1994PLC021012

ICICI BANK LIMITED

Director

28/06/2010

21/01/2010

-

Active

NO

13

U40100AP2005PLC045445

LANCO VIDARBHA THERMAL POWER LIMITED

Director

30/09/2011

24/07/2010

-

Active

NO

14

U65922MH2010PTC202721

AADHAR HOUSING FINANCE PRIVATE LIMITED

Director

19/08/2010

19/08/2010

-

Active

NO

15

U51420MH2008PLC187689

SARDA METALS & ALLOYS LIMITED

Director

30/09/2010

20/08/2010

-

Active

NO

16

L26109WB1946PLC013294

HINDUSTHAN NATIONAL GLASS & INDUSTRIES LIMITED

Director

19/08/2011

02/11/2010

-

Active

NO

17

U21012TN2006PLC059326

SPB PAPERS LIMITED

Director

27/08/2011

01/04/2011

-

Active

NO

18

U65990MH1966PLC013459

SICOM LIMITED

Additional director

29/09/2011

29/09/2011

-

Active

NO

19

U69990MH1999PLC123190

IDFC AMC TRUSTEE COMPANY LIMITED

Director

08/12/2011

08/12/2011

-

Active

NO

 

 

KEY EXECUTIVES

 

Name :

Ms. Suparna Sharma

Designation :

Secretary

Address :

205 Blue Mist Blue Empire Complex Mahavir Nagar Kangivali (West), Mumbai-400067, Maharashtra, India

Date of Birth/Age :

19.02.1974

Date of Appointment :

04.05.2007

Date Ceasing :

30.06.2011

 

 

Name :

Mr. Kalpesh C Modu

Designation :

Secretary

Address :

8/10 Bora Bazaar Strest 3rd Floor Room No 27 Fort, Mumbai-400001, Maharashtra, India

Date of Birth/Age :

15.08.1982

Date of Appointment :

13.09.2011

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

AS ON 13.09.2011

 

Names of Shareholders

 

No. of Shares

Securities Trading Corporation of India Limited, India

 

199999994

Babu Raghutham (Nominee Shareholder of Securities Trading Corporation of India Limited, India)

 

1

K V Ramakrishnan (Nominee Shareholder of Securities Trading Corporation of India Limited, India)

 

1

Pradeep Madhav (Nominee Shareholder of Securities Trading Corporation of India Limited, India)

 

1

Prasanna Patankar (Nominee Shareholder of Securities Trading Corporation of India Limited, India)

 

1

Pundarik Sanyal (Nominee Shareholder of Securities Trading Corporation of India Limited, India)

 

1

Jagmohan Kapila (Nominee Shareholder of Securities Trading Corporation of India Limited, India)

 

1

Total

 

200000000

 

AS ON 13.09.2011

 

Category

Percentage

Bodies corporate

100.00

Total

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Primary Dealer in Government Securities.

 

 

GENERAL INFORMATION

 

No. of Employees :

Not Available

 

 

Bankers :

Not Available

 

 

Facilities :

--

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

Chandabhoy And Jassoobhoy

Chartered Accountant

Address :

208 Phoenix House A Wing 462 Senapati Bapat Marg, Lower Parel, Mumbai-400013, Maharashtra, India

 

 

Holding Company :

Securities Trading Corporation of India Limited

 

 

Fellow Subsidiaries :

STCI Commodities Limited

 

 

CAPITAL STRUCTURE

 

AS ON 31.03.2011

 

Authorised Capital :

No. of Shares

Type

Value

Amount

300000000

Equity Shares

Rs.10/- each

Rs.3000.000 Millions

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

200000000

Equity Shares

Rs.10/- each

Rs.2000.000 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

2000.000

2000.000

2000.000

2] Share Application Money

0.000

0.000

0.000

3] Reserves & Surplus

718.911

661.826

533.529

4] (Accumulated Losses)

0000

0.000

0.000

NETWORTH

2718.911

2661.826

2533.529

LOAN FUNDS

 

 

 

1] Secured Loans

13661.035

2327.821

6189.713

2] Unsecured Loans

4288.245

7414.202

3038.252

TOTAL BORROWING

17949.280

9742.023

9227.965

DEFERRED TAX LIABILITIES

0.000

0.000

0.000

 

 

 

 

TOTAL

20668.191

12403.849

11761.494

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

227.108

18.389

23.112

Capital work-in-progress

0.000

0.000

0.000

 

 

 

 

INVESTMENT

0.000

200.390

0.000

DEFERREX TAX ASSETS

2.321

9.385

12.779

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

18061.534

11538.622

11638.466

 

Sundry Debtors

0.455

0.925

0.916

 

Cash & Bank Balances

2102.384

4.469

2.966

 

Other Current Assets

264.385

125.976

54.797

 

Loans & Advances

743.630

1269.320

705.718

Total Current Assets

21172.388

12939.312

12402.863

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Sundry Creditors

0.000

0.000

0.000

 

Other Current Liabilities

39.780

62.508

10.218

 

Provisions

693.846

701.119

667.042

Total Current Liabilities

733.626

763.627

677.260

Net Current Assets

20438.762

12175.685

11725.603

 

 

 

 

MISCELLANEOUS EXPENSES

0.000

0.000

0.000

 

 

 

 

TOTAL

20668.191

12403.849

11761.494

 

 

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

31.03.2011

31.03.2010

31.03.2009

 

SALES

 

 

 

 

 

Trading Profit/ (Loss) on Securities

(47.721)

(85.297)

900.340

 

 

Interest/ Discount Income

1289.470

792.843

836.437

 

 

Dividend Income

2.224

0.533

0.250

 

 

Underwriting & Other Income

42.007

108.591

90.232

 

 

TOTAL                                     (A)

1285.980

816.670

1827.259

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Expenses on REPO

212.207

158.875

165.710

 

 

Other Financial Payments

48.338

60.701

43.455

 

 

Personal Cost

41.529

40.692

49.147

 

 

Administrative Expenses

50.735

51.348

41.377

 

 

TOTAL                                     (B)

352.809

311.616

299.689

 

 

 

 

 

Less

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

933.171

505.054

1527.570

 

 

 

 

 

Less

FINANCIAL EXPENSES                         (D)

837.283

293.906

453.981

 

 

 

 

 

 

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

95.888

211.148

1073.589

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                     (F)

14.948

8.802

3.705

 

 

 

 

 

 

PROFIT BEFORE TAX (E-F)                               (G)

80.940

202.346

1069.884

 

 

 

 

 

Less

TAX                                                                  (I)

27.388

74.050

375.799

 

 

 

 

 

 

PROFIT AFTER TAX (G-I)                                  (J)

53.552

128.296

694.085

 

 

 

 

 

Add

Write back of Provision for FY2007-08

3.532

0.000

0.000

 

 

 

 

 

Add

PREVIOUS YEARS’ BALANCE BROUGHT FORWARD

366.283

263.646

42.369

 

 

 

 

 

Less

APPROPRIATIONS

 

 

 

 

 

Transfer to General Reserve

10.710

25.659

138.816

 

 

General Reserve

0.000

0.000

100.000

 

 

Interim Dividend

0.000

0.000

200.000

 

 

Tax on Interim Dividend

0.000

0.000

33.990

 

 

 

 

 

 

 

BALANCE CARRIED TO THE B/S

412.657

366.283

263.646

 

 

 

 

 

 

Earnings Per Share (Rs.)

0.27

0.64

3.47

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2011

31.03.2010

31.03.2009

PAT / Total Income

(%)

4.16

15.70

37.98

 

 

 

 

 

Net Profit Margin

(PBT/Sales)

(%)

(169.61)

(237.22)

118.83

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

0.37

1.56

8.61

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

0.02

0.07

0.42

 

 

 

 

 

Debt Equity Ratio

(Total Liability/Networth)

 

6.87

3.94

3.90

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

28.85

16.94

18.31

 

 

LOCAL AGENCY FURTHER INFORMATION

 

DETAILS OF SUNDRY CREDITORS

 

Not Available

 

Fixed Assets:

 

·         Air Conditioner

·         Buildings

·         Computer Software

·         Computer

·         Electrical Installation

·         Furniture And Fixtures

·         Office Equipments

·         Vehicle Motor Cars

 


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.50.31

UK Pound

1

Rs.70.04

Euro

1

Rs.65.82

 


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

5

PAID-UP CAPITAL

1~10

6

OPERATING SCALE

1~10

5

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

6

--PROFITABILIRY

1~10

5

--LIQUIDITY

1~10

6

--LEVERAGE

1~10

6

--RESERVES

1~10

5

--CREDIT LINES

1~10

5

--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

 

49

 

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.