MIRA INFORM REPORT

 

 

Report Date :

29.03.2012

 

IDENTIFICATION DETAILS

 

Name :

VIRTUOUS URJA LIMITED (w.e.f 24.02.2009)

 

 

Formerly Known As :

GENUS URJA LIMITED

 

 

Registered Office :

D-116, Okhla Industrial Area, Phase-1, Okhla, New Delhi – 110020, Delhi

 

 

Country :

India

 

 

Financials (as on) :

31.03.2010

 

 

Date of Incorporation :

19.04.2007

 

 

Com. Reg. No.:

55-162295

 

 

Capital Investment / Paid-up Capital :

Rs.152.800 millions

 

 

CIN No.:

[Company Identification No.]

U51395DL2007PLC162295

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

DELV09110D

 

 

Legal Form :

A closely held public limited liability company

 

 

Line of Business :

Trader and Supplier of Coal Products

 

 

No. of Employees :

Not Available

 

 

RATING & COMMENTS

 

MIRA’s Rating :

B (33)

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Maximum Credit Limit :

USD 370000

 

 

Status :

Moderate

 

 

Payment Behaviour :

Slow but correct

 

 

Litigation :

Clear

 

 

Comments :

Subject is an established company having moderate track. The company is progressing well. Trade relations are reported as fair. Business is active. Payments are reported to be slow but correct.

 

The company can be considered for small to mediocre 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.

 

 

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 Corporate Office:

D-116, Okhla Industrial Area, Phase-1, Okhla, New Delhi – 110020, Delhi, India

Tel. No.:

91-11-26371882/83/84

Fax No.:

91-11-26371881

E-Mail :

info@virtuousurja.com

kcc_2@yahoo.com

cs@ankitagg@gmail.com

kailash@virtuousurja.com

kailash@jctex.com

info@virtuousurja.com

Website :

www.virtuousurja.com

 

 

Branch Office 1 :

A – 309, Tirupati Plaza, Nr. Collector Office, Athwa Gate, Surat – 395 001, Gujarat, India

Tel No.:

91-261-3928796

 

 

Branch Office 2 :

25D, Raja Annamalai Chettiar Road,  Purusawalkam, Chennai  - 600 084, Tamilnadu, India

Tel No.:

91-44-45428819

 

 

Overseas Branch Office 1 :

Maple Natural Resources Pte Limited. 77, High Street Plaza, Singapore 179433

Tel No.:

+65 9450 5158

 

 

Overseas Branch Office 2 :

PT Maple Natural Resources, SA – 25, Ruko Bukit Gading Indah, J1 Gading Raya, Kelapa Gading, Jakarta Utara – 14240, Indonesia

Tel/Fax No.:

+62 21 29078810

HP:

+62 8159232369

 

 

DIRECTORS

 

As On 30.09.2011

 

Name :

Mr. Narayan Prasad Todi

Designation :

Director

Address :

B-5, Ganpati Enclave, Ajmer Road, Jaipur – 302006, Rajasthan, India

Date of Birth/Age :

11.12.1966

Date of Appointment :

19.04.2007

DIN No.:

00014285

 

Other Directorship:

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

U51311RJ1998PLC014605

GENUS INNOVATION LIMITED

Whole-time director

01-07-08

27-01-98

-

Active

NO

2

U24119DL2003PLC123202

GENUS APPARELS LIMITED

Director

24-11-03

24-11-03

-

Active

NO

3

U74899DL1985PTC021279

J C TEXTILES PRIVATE LIMITED

Director

24-02-06

24-02-06

-

Active

NO

4

U51395DL2007PLC162295

VIRTUOUS URJA LIMITED

Director

19-04-07

19-04-07

-

Active

NO

 

Name :

Ms. Anju Agarwal

Designation :

Director

Address :

12, Dwarkapuri, Jamnalal Bajaj Marg, Near Bharat Mata Mandir, C-Scheme, Jaipur – 302016, Rajasthan, India

Date of Birth/Age :

05.06.1977

Date of Appointment :

19.04.2007

DIN No.:

01320181

 

Other Directorship:

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

U51395DL2007PLC162295

VIRTUOUS URJA LIMITED

Director

19-04-07

19-04-07

-

Active

NO

2

U51909RJ2003PLC032085

GENUS INTERNATIONAL COMMODITIES LIMITED

Director

30-11-09

05-11-09

-

Active

NO

 

Name :

Mr. Kailash Chandra Agarwal

Designation :

Director

Address :

H. No.25, Jawahar Nagar, Moradabad – 244001, Uttar Pradesh, India

Date of Birth/Age :

20.10.1971

Date of Appointment :

15.09.2008

DIN No.:

00895365

 

Other Directorship:

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

U26941UP1990PLC012240

KAILASH INDUSTRIES LIMITED

Director

05-09-90

05-09-90

-

Active

NO

2

U51311RJ1998PLC014605

GENUS INNOVATION LIMITED

Director

27-01-98

27-01-98

01-03-08

Active

NO

3

U23101UP1984PLC028158

KAILASH COAL AND COKE COMPANY LIMITED

Director

31-05-01

31-05-01

-

Active

NO

4

U20211UP1996PLC020150

GENUS PAPER PRODUCTS LIMITED

Managing director

02-04-08

24-01-02

-

Active

NO

5

U27104UP2004PLC029255

KAILASH VIDYUT AND ISPAT LIMITED

Director

24-11-04

24-11-04

-

Active

NO

6

U24119DL2003PLC123202

GENUS APPARELS LIMITED

Director

23-06-05

23-06-05

-

Active

NO

7

L51909DL1992PLC133383

GENUS POWER INFRASTRUCTURES LIMITED

Managing director

06-05-11

13-09-05

-

Active

NO

8

U74899DL1985PTC021279

J C TEXTILES PRIVATE LIMITED

Director

24-02-06

24-02-06

-

Active

NO

9

U74899DL1994PTC061902

M.K.J. MANUFACTURING PRIVATE LIMITED

Director

01-11-07

01-11-07

-

Active

NO

10

U23201DL2008PTC180053

GREAT VALUE FUELS PRIVATE LIMITED

Director

25-06-08

25-06-08

24-08-11

Active

NO

11

U51395DL2007PLC162295

VIRTUOUS URJA LIMITED

Director

07-02-09

15-09-08

-

Active

NO

12

U45203RJ2009PLC029644

VIRTUOUS INFRA LIMITED

Director

20-08-09

20-08-09

-

Active

NO

13

U21000DL2011PLC222621

INDO GLOBAL PAPERS LIMITED

Director

21-07-11

21-07-11

-

Active

NO

14

U21098UP2012PLC048300

GENUS PAPER AND BOARDS LIMITED

Director

11-01-12

11-01-12

-

Active

NO

 

Name :

Simpal Ram Gopal Agarwal

Designation :

Whole Time Director

Address :

H. No.25, Jawahar Nagar, Moradabad – 244001, Uttar Pradesh, India

Date of Birth/Age :

01.09.1973

Date of Appointment :

18.05.2010

DIN No.:

03072646

 

Other Directorship:

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

U51395DL2007PLC162295

VIRTUOUS URJA LIMITED

Whole-time director

18-05-10

18-05-10

-

Active

NO

2

U21000DL2011PLC222621

INDO GLOBAL PAPERS LIMITED

Director

21-07-11

21-07-11

-

Active

NO

 

Name :

Mr. Giriraj Kishore Megh Shyam Sharma

Designation :

Director

Address :

Giriraj Bhavan, 16-17 Shailraj Bunglows, Ramdev Nagar, Satellite, Ahmedabad – 380015, Gujarat, India

Date of Birth/Age :

05.06.1977

Date of Appointment :

16.08.2011

Date of Cessation :

10.10.2011

DIN No.:

00023133

 

Other Directorship:

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

L51909DL1992PLC133383

GENUS POWER INFRASTRUCTURES LIMITED

Whole-time director

24-07-11

24-07-99

10-10-11

Active

NO

2

U32109DL2003PLC121435

GENUS ELECTROTECH LIMITED

Director

01-06-05

01-06-05

10-10-11

Active

NO

3

U51395DL2007PLC162295

VIRTUOUS URJA LIMITED

Director

30-09-11

16-08-11

10-10-11

Active

NO

 

 

KEY EXECUTIVES

 

Name :

Ms. Meena Ashish Agal

Designation :

Secretary

Address :

831/11, M.H.B. Colony, Nr. Don Bosco School, Gorai Link Road, Borivali (West), Mumbai – 400091, Maharashtra, India

Date of Birth/Age :

08.10.1983

Date of Appointment :

01.04.2011

PAN No.:

ASIYPA4999C

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

As on 30.09.2011

 

Names of Shareholders

No. of Shares

 

Preference Shares 

Equity Shares

Kailash Chandra Agarwal

--

1151000

Ishwar Chand Agarwal

--

995000

Shanti Devi Agarwal

--

1000

Rajendra Kumar Agarwal

--

100

Monisha Agarwal

--

900

Jjitendra Kumar Agarwal

--

1000

Amit Kumar Agarwal

--

1000

Anand Todi

--

250000

Rakesh Agarwal

--

60000

Himanshu Agarwal

--

405000

Genus Power Infrastructures Limited, India

--

40000

Kailash Industries Limited, India

--

40000

Kailash Coal and Coke Company Limited, India

--

40000

Genus Paper Products Limited, India

--

40000

Vivekshil Dealers Private Limited, India

--

40000

CRG Trading and Finvest Private Limited, India

338000

6935000

Neotex Vinimay Private Limited, India

50000

--

Paramjyoti Traders Private Limited, India

50000

--

Tejaswani Commercial Private Limited, India

50000

--

Sansar Infrastructure Private Limited, India

40000

--

Total

528000

10000000

 

 

As On 30.09.2011

 

Equity Share Break up (Percentage of Total Equity)

 

Category

Percentage

Bodies corporate

71.35

Directors or relatives of Directors

28.65

Total

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Trader and Supplier of Coal Products

 

 

 

 

GENERAL INFORMATION

 

No. of Employees :

Not Available

 

 

Bankers :

  • DBS Bank Limited – Upper Ground Floor, Birla Tower, 25, Barakhamba Road, New Delhi – 110001, Delhi, India

 

 

Facilities :

Unsecured Loans

31.03.2010 (Rs. In Millions)

31.03.2009 (Rs. In Millions)

Inter Corporate Deposits

0.000

1.013

Total

0.000

1.013

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

Pradeep Hari and Company

Chartered Accountants

Address :

Miglani Cinema Complex, Rampur Road, Moradabad – 244001, Uttar Pradesh, India

Tel. No.:

91-591-3295849

Fax No.:

91-591-2490306

E-Mail :

pradeepfca@gmail.com

Pan No.:

AOSPK1459H

 

 

Group Companies :

  • Genus Power Infrastructures Limited (GPIL)
  • Genus Paper Products Limited (‘GPPL’)
  • Genus Electrotech Limited (‘GEL’)
  • Kailash Coal and Coke Company Limited (‘KCCCL’)
  • Genus Innovation Limited (‘GIL’)

 


 

CAPITAL STRUCTURE

 

As On 31.03.2010

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

5000000

Equity Shares

Rs. 10/- each

Rs. 50.000 Millions

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

4365000

Equity Shares

Rs. 10/- each

Rs. 43.650 Millions

 

As on 30.09.2011

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

10000000

Equity Shares

Rs.10/- each

Rs.100.000 Millions

1000000

Preference Shares

Rs.100/- each

Rs.100.000 Millions

 

Total

 

Rs.200.000 Millions

 

Issued, Subscribed & Paid-up Capital :           

No. of Shares

Type

Value

Amount

 

 

 

 

10000000

Equity Shares

Rs. 10/- each

Rs.100.000 Millions

528000

Preference Shares

Rs.100/- each

Rs.52.800

 

Total

 

Rs.152.800 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

43.650

2.100

0.500

2] Share Application Money

38.500

0.000

0.000

3] Reserves & Surplus

12.646

0.113

0.000

4] (Accumulated Losses)

0.000

0.000

0.000

NETWORTH

94.796

2.213

0.500

LOAN FUNDS

 

 

 

1] Secured Loans

0.000

0.000

0.000

2] Unsecured Loans

0.000

1.013

0.000

TOTAL BORROWING

0.000

1.013

0.000

DEFERRED TAX LIABILITIES

0.018

0.000

0.000

 

 

 

 

TOTAL

94.814

3.226

0.500

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

0.955

0.000

0.000

Capital work-in-progress

0.000

0.000

0.000

 

 

 

 

INVESTMENT

0.125

0.000

0.000

DEFERREX TAX ASSETS

0.000

0.000

0.000

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

130.884

15.290

0.000

 

Sundry Debtors

329.283

68.874

0.000

 

Cash & Bank Balances

47.648

4.410

0.056

 

Other Current Assets

0.000

0.000

0.000

 

Loans & Advances

6.121

0.139

0.000

Total Current Assets

513.936

88.713

0.056

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Sundry Creditors

410.600

83.504

0.000

 

Other Current Liabilities

3.612

2.281

0.000

 

Provisions

6.481

0.057

0.000

Total Current Liabilities

420.693

85.842

0.000

Net Current Assets

93.243

2.871

0.056

 

 

 

 

MISCELLANEOUS EXPENSES

0.491

0.355

0.444

 

 

 

 

TOTAL

94.814

3.226

0.500

 

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

 

31.03.2010

31.03.2009

 

SALES

 

 

 

 

 

Income

 

682.039

71.452

 

 

Other Income

 

1.708

0.031

 

 

TOTAL                                     (A)

 

683.747

71.483

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Purchases

 

757.067

85.982

 

 

Personnel Expenses

 

2.157

0.002

 

 

Other Expenses

 

21.124

0.620

 

 

Increase/Decrease in Stock

 

(115.594)

(15.291)

 

 

TOTAL                                     (B)

 

664.754

71.313

 

 

 

 

 

Less

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

 

18.993

0.170

 

 

 

 

 

Less

FINANCIAL EXPENSES                         (D)

 

0.000

0.000

 

 

 

 

 

 

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

 

18.993

0.170

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                     (F)

 

0.012

0.000

 

 

 

 

 

 

PROFIT BEFORE TAX (E-F)                               (G)

 

18.981

0.170

 

 

 

 

 

Less

TAX                                                                  (H)

 

6.448

0.057

 

 

 

 

 

 

PROFIT AFTER TAX (G-H)                                (I)

 

12.533

0.113

 

 

 

 

 

Add

PREVIOUS YEARS’ BALANCE BROUGHT FORWARD

 

0.113

0.000

 

 

 

 

 

 

BALANCE CARRIED TO THE B/S

 

12.646

0.113

 

 

 

 

 

 

IMPORTS

 

 

 

 

 

Coal and Coke

 

118.183

0.000

 

TOTAL IMPORTS

 

118.183

0.000

 

 

 

 

 

 

Earnings Per Share (Rs.)

 

43.27

2.24

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2010

31.03.2009

31.03.2008

PAT / Total Income

(%)

1.83

0.16

NA

 

 

 

 

 

Net Profit Margin

(PBT/Sales)

(%)

2.78

0.24

NA

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

3.69

0.19

NA

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

0.20

0.08

NA

 

 

 

 

 

Debt Equity Ratio

(Total Liability/Networth)

 

4.44

39.25

0.00

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

1.22

1.03

0.00

 

 

 

LOCAL AGENCY FURTHER INFORMATION

 

Change in name:

 

To make the name more suitable for its objects and expanding activities, the Board of Directors of the Company decided to change its name from Genus Urja Limited to ‘Virtuous Urja Limited’. The name of the Company has been changed from Genus Urja Limited to ‘Virtuous Urja Limited’ with effect from 24.02.2009 as per the Fresh Certificate of Incorporation issued by the Registrar of Companies, NCT of Delhi and Haryana.

 

 

Business Performance Review

 

During the year, the company has recorded a markable growth in Gross Sales/turnover of Rs. 682.039 Million as compared to Rs. 71.452 Million of the previous year. The company has recorded a Net Profit before tax of Rs. 18.982 Million for the year as compared to Rs. 0.170 Million reported during the last year, which shows a sustainable growth in the business and operations of the Company.

 

Form 8:

 

Corporate identity number of the company

U51395DL2007PLC162295

Name of the company

Virtuous Urja Limited

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

D-116, Okhla Industrial Area, Phase-1, Okhla, New Delhi -110020, Delhi, India

This form is for

Modification of charge

Type of charge

Book Debts

1st P/Passu Charge Over Goods Procured Under Lc.

Particular of charge holder

Name :

Axis Bank Limited

Address :

4/10, Opg House Asaf Ali Road, New Delhi – 110002, Delhi, India

Email :

form8.axisbank@gmail.com

Nature of instrument creating charge

Deed of Hypothecation of Current Assets (Stocks And Book Debts)

Date of instrument Creating the charge

05.04.2011

Amount secured by the charge

Rs. 650.000 Millions

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

Rate of Interest – As per sanction letter no. Axisb/mc-1/vm/10-11/499 dated 30.03.2011 to be amended from time to time.

 

Terms of Repayment  – As per sanction letter no. Axisb/mc-1/vm/10-11/499 dated 30.03.2011 to be amended from time to time.

 

Margin  – As per sanction letter no. Axisb/mc-1/vm/10-11/499 dated 30.03.2011 to be amended from time to time.

 

Extent and Operation of the charge - Pari Passu Charge.

 

Others - The Above Is To Secure The Following Credit Facilities :-

 

LC = Rs. 650.000 millions

LOU / Buyers Credit / SBLC / BG = Rs. 450.000 millions (Sub Limit Of LC)

Particulars of the property charged

Hypothecation by way of first and exclusive charge over goods procured under LC stored or to be stored at the company's godowns or premises or wherever else the same may be.

Date of instrument modifying the charge

29.01.2010

Particulars of the present modification

Bank's First Pari Passu Charge Over All Present and Future Current Assets And Goods Procured Under Lc Stored Or To Be Stored At The Company's Godowns Or Premises Or Wherever Else The Same May Be, Already Regd. For Rs. 480.000 millions Shall Stand Enhanced To Rs. 650.000 millions

All Other Terms and Conditions Remaining The Same.

 

 

Fixed Assets:

  • Plant and machinery
  • Furniture and fixture
  • Computer
  • Vehicles

 

As Per Website Details

 

Profile:

 

Subject, has vision to stands to its name. Subject is a modern coal trading company supplying highly competitive coal products with a high reactivity and excellent combustion characteristics. Stringent quality assurance procedures and outstanding customer support have made the Subject a preferred provider of coal products for industrial plants in India.

 

Subject is committed to provide high quality steam coal to all its customers in a professional and speedy manner.

                         

With its highly qualified management and operation team supported by up to date infrastructure, Subject is competent and determined to be a reputed coal supplier in India.

 

Subject provide high-quality coal import and trading services for industrial clients and have an end-to-end solution delivery model for coal handling, custom clearance and logistics services.

 

Subject strategically located network of offices ensures services to rendering with world- class quality and timely delivery targeting to serve prominent textiles, paper and steel manufacturing firms, pharma industries, Chemical, sugar, and metallic processing companies with demand-satisfying-delivery model.

 

Subject aim is to provide the best quality coal at the most competitive price, through reliable coal management solutions that are eco friendly and deliver the same to our valued customers at their locations through different ports by road/rail transportation in India. So if you are looking for coal solutions to power your progress there's only one place you need to go – Subject

 

Corporate Profile

 

Subject is promoted by Genus Power Infrastructures Limited and integral part of USD 400 Million Kailash Group of companies with diversified interest in Electronic Power Meters and Power Distribution Management and having its Corporate Office at Mumbai.

 

Foresight is a gift when you combine it with skill and business acumen the result is often a position of power and control. That in nutshell is the story of Kailash Group. Front-runner, spotting opportunity and market makers - a story of vision, speed, control and operational excellence which is shown time and again by the group in its various business endeavours.

 


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.50.91

UK Pound

1

Rs.81.21

Euro

1

Rs.67.85

 


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

4

PAID-UP CAPITAL

1~10

4

OPERATING SCALE

1~10

5

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

4

--PROFITABILIRY

1~10

3

--LIQUIDITY

1~10

4

--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

 

33

 

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.