|
Report Date : |
02.05.2012 |
IDENTIFICATION DETAILS
|
Name : |
AMBER RADIO DIAGNOSTIC CENTRE |
|
|
|
|
Registered
Office : |
43- Tagore Nagar, |
|
|
|
|
Country : |
|
|
|
|
|
Year of
Establishment : |
November, 2011 |
|
|
|
|
Capital
Investment / Paid-up Capital : |
Not Available |
|
|
|
|
PAN No.: [Permanent Account No.] |
AJPPS6785F |
|
|
|
|
Legal Form : |
Sole Proprietory Concern |
|
|
|
|
Line of Business
: |
Service Provider of Radio Diagnostic. |
|
|
|
|
No. of Employees
: |
12 (Approximately) |
RATING & COMMENTS
|
MIRA’s Rating : |
NB |
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
- |
NB |
New Business |
- |
|
Status : |
New Concern |
|
|
|
|
Payment Behaviour : |
Unknown |
|
|
|
|
Litigation : |
Clear |
|
|
|
|
Comments : |
Subject is a new concern and yet to commence business. Infact the
management is awaiting facility from the bank to start commercial activities.
The valuation report provided seems to be satisfactory. No further details or
payment could be made available. It would be advisable to take adequate securities while dealing with
the subject. |
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) |
|
|
A1 |
A1 |
|
|
|
|
|
Risk Category |
ECGC
Classification |
|
Insignificant |
A1 |
|
Low |
A2 |
|
Moderate |
B1 |
|
High |
B2 |
|
Very High |
C1 |
|
Restricted |
C2 |
|
Off-credit |
D |
INFORMATION PARTED BY
|
Name : |
Mr. Gurdeep Singh |
|
Designation : |
Proprietor |
|
Contact No.: |
91-9815500152 |
|
Date : |
26.04.2012 |
LOCATIONS
|
Registered Office : |
43- Tagore Nagar, |
|
Tel. No.: |
Not Available |
|
Mobile No.: |
91-9815500152 (Dr. Gurdeep) 91-9876711607 (Dr. Sandeep) |
|
Fax No.: |
Not Available |
|
E-Mail : |
|
|
Location : |
Owned |
SOLE PROPRIETOR
(AS ON 31.03.2011)
|
Name : |
Dr. Gurdeep Singh |
|
Designation : |
Proprietor |
|
Address : |
43, Tagore Nagar, |
|
Date of Birth/Age : |
17.05.1969 |
|
Qualification : |
M.B.B.S. |
|
PAN No.: |
AIPPS6785F |
KEY EXECUTIVES
|
Name : |
Dr. Sandeep Gurbachan Singh |
|
Designation : |
Key Executive |
|
Address : |
111, New Lajpat Nagar, |
|
Date of Birth/Age : |
27.08.1974 |
|
Qualification : |
M.B.B.S. (M.D. – Radio Diagnostic (B.F.U.H.S.) 2000 |
|
PAN No.: |
ACJPS5405L |
BUSINESS DETAILS
|
Line of Business : |
Service Provider of Radio Diagnostic. |
|
|
|
|
Terms : |
|
|
Selling : |
Cash |
|
|
|
|
Purchasing : |
Cash |
GENERAL INFORMATION
|
Customers : |
End Users |
|
|
|
|
No. of Employees : |
12 (Approximately) |
|
|
|
|
Bankers : |
·
Bank of |
|
|
|
|
Banking
Relations : |
-- |
|
|
|
|
Auditors : |
|
|
Name : |
Bhakoo and Associates Chartered Accountant |
|
Address : |
337/1A, Dr. Sham singh Road, Civil Lines, |
|
Tel. No.: |
91-161-2413348/ 2771898 |
|
Email : |
|
|
|
|
|
Associates/Subsidiaries : |
· Gurdeep Singh · Advance Diagnostics 43, Tagore Nagar, · Amber Radio-Diagnostic Services |
CAPITAL STRUCTURE
|
Capital Investment : |
|
|
Owned : |
Not Available |
|
Borrowed : |
Not Available |
|
Total : |
Not Available |
FINANCIAL DATA
[all figures are
in Rupees Millions]
NEW CONCERN
Note:
Yet not started, started business activity and will start from June
2012.
Note: Sole Proprietory and Partnership concerns are
exempted from filing their financials with the Government Authorities or
Registry Records.
LOCAL AGENCY FURTHER INFORMATION
|
Check list by info
Agents |
Available in Report (Yes/ No) |
|
|
|
|
Year of Establishment |
Yes |
|
Locality of the Firm |
Yes |
|
Constitution of the Firm |
Yes |
|
Premises details |
No |
|
Type of Business |
Yes |
|
Line of Business |
Yes |
|
Promoter’s Background |
Yes |
|
No. of Employees |
Yes |
|
Name of Person Contacted |
Yes |
|
Designation of Contact person |
Yes |
|
Turnover of Firm for last three years |
No |
|
Profitability for last three years |
No |
|
Reasons for variation <> 20% |
----- |
|
Estimation for coming financial year |
No |
|
Capital in the business |
No |
|
Details of sister concerns |
Yes |
|
Major Suppliers |
No |
|
Major Customers |
No |
|
Payments Terms |
Yes |
|
Export/ Imports Details (If applicable) |
No |
|
Market Information |
----- |
|
Litigations that the firm/ Promoters Involved in |
----- |
|
Banking details |
No |
|
Banking Facility Details |
No |
|
Conduct of the Banking Account |
----- |
|
Buyer visit details |
----- |
|
Financials, if provided |
No |
|
Incorporation details is applicable |
Yes |
|
Last Accounts filed at ROC |
No |
|
Major Shareholders, if available |
No |
------------------------------------------------------------------------------------------------------------------------------
AMBER
RADIO DIAGNOSTIC SERVICES
(SISTER CONCERN)
PROJECT
COST AND MEANS OF FINANCE
(RS. IN MILLIONS)
|
COST OF PROJECT |
Existing (31.03.2012) |
Proposed |
Total |
|
|
|
|
|
|
Machinery |
0.000 |
24.218 |
24.218 |
|
Other Fixed Assets |
0.000 |
0.225 |
0.225 |
|
Advance for Machinery |
1.500 |
(1.500) |
0.000 |
|
Margin Money for Working Capital |
0.020 |
0.185 |
0.205 |
|
|
|
|
|
|
Total |
1.520 |
23.128 |
24.648 |
|
|
|
|
|
|
MEANS OF FINANCING |
|
|
|
|
|
|
|
|
|
Proprietors Capital |
1.520 |
5.128 |
6.648 |
|
Term Loan |
0.000 |
18.000 |
18.000 |
|
|
|
|
|
|
Total |
1.520 |
23.128 |
24.648 |
|
|
|
|
|
|
Debt Equity Ratio |
|
|
|
|
Debt |
Equity |
|
|
|
Bank Term Loan |
18.000 |
Partners Capital |
6.648 |
|
|
|
|
|
|
Total |
18.000 |
|
6.648 |
|
|
|
|
|
|
Debt Equity Ratio |
2.70 |
|
|
------------------------------------------------------------------------------------------------------------------------------
ASSESSMENT
OF WORKING CAPITAL REQUIREMENT
OPERATING
STATEMENT
(RS. IN MILLIONS)
|
Particulars |
31.03.2013 |
31.03.2014 |
31.03.2015 |
31.03.2016 |
31.03.2017 |
|
|
(Estimated) |
(Projected) |
|||
|
|
|
|
|
|
|
|
Gross Sales |
14.850 |
21.780 |
21.780 |
21.780 |
23.760 |
|
Total |
14.850 |
21.780 |
21.780 |
21.780 |
23.760 |
|
|
|
|
|
|
|
|
Less: Excise Duty |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
Net Sales |
14.850 |
21.780 |
21.780 |
21.780 |
23.760 |
|
|
|
|
|
|
|
|
% age rise (+) or Fall (-) in Net Sales as compared to previous
year |
100.00% |
46.67% |
0.00% |
0.00% |
9.09% |
|
|
|
|
|
|
|
|
COST
OF SALES |
|
|
|
|
|
|
|
|
|
|
|
|
|
Raw Material (Including Stored and Other items used in the process of Manufacture) |
|
|
|
|
|
|
Imported |
-- |
-- |
-- |
-- |
-- |
|
Indigenous |
1.080 |
1.584 |
1.584 |
1.728 |
1.728 |
|
|
|
|
|
|
|
|
Stores and Spares |
-- |
-- |
-- |
-- |
-- |
|
Power and Fuel |
0.720 |
0.756 |
0.794 |
0.833 |
0.875 |
|
Direct Labour (Factory Wages and Salary) |
1.620 |
2.268 |
2.381 |
2.500 |
2.625 |
|
Other Manufacturing Expenses |
0.000 |
1.800 |
1.900 |
2.000 |
2.100 |
|
Depreciation |
3.666 |
3.117 |
2.649 |
2.252 |
1.914 |
|
|
|
|
|
|
|
|
Sub Total |
7.086 |
9.525 |
9.308 |
9.313 |
9.242 |
|
|
|
|
|
|
|
|
Add: Opening Stock in Process |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
Sub
Total |
7.086 |
9.525 |
9.308 |
9.313 |
9.242 |
|
|
|
|
|
|
|
|
Deduct : Closing Stock in Process |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
Cost
of Production |
7.086 |
9.525 |
9.308 |
9.313 |
9.242 |
|
|
|
|
|
|
|
|
Add : Opening Stock of Finished Goods |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
Sub
Total |
7.086 |
9.525 |
9.308 |
9.313 |
9.242 |
|
|
|
|
|
|
|
|
Less: Closing Stock of Finished Goods |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
Sub Total (Total
Cost of Sales) |
7.086 |
9.525 |
9.308 |
9.313 |
9.242 |
|
|
|
|
|
|
|
|
Selling, General and Administrative
Expenses |
0.870 |
1.003 |
1.085 |
1.181 |
1.277 |
|
|
|
|
|
|
|
|
Sub total |
7.956 |
10.528 |
10.393 |
10.494 |
10.519 |
|
|
|
|
|
|
|
|
Operating Profit before Interests
|
6.894 |
11.252 |
11.357 |
11.286 |
13.241 |
|
|
|
|
|
|
|
|
Interests |
0.000 |
2.553 |
2.211 |
1.723 |
1.238 |
|
|
|
|
|
|
|
|
Operating Profit After Interests
|
6.894 |
8.699 |
9.176 |
9.563 |
12.003 |
|
|
|
|
|
|
|
|
Profit before
Taxes |
6.894 |
8.699 |
9.176 |
9.563 |
12.003 |
|
|
|
|
|
|
|
|
Less: Tax Provision |
1.562 |
1.971 |
2.079 |
2.167 |
2.720 |
|
|
|
|
|
|
|
|
Net Profit After Tax |
5.332 |
6.728 |
7.097 |
7.396 |
9.283 |
|
|
|
|
|
|
|
|
Equity Dividend Paid |
2.000 |
2.000 |
2.000 |
2.000 |
2.000 |
|
|
|
|
|
|
|
|
Retained Profit |
3.332 |
4.728 |
5.097 |
5.396 |
7.283 |
|
|
|
|
|
|
|
|
Retained Profit/
Net profit (% age) |
62.49 |
70.27 |
71.82 |
72.96 |
78.45 |
------------------------------------------------------------------------------------------------------------------------------
ANALYSIS
OF BALANCE SHEET
(RS. IN MILLIONS)
|
Particulars |
31.03.2013 |
31.03.2014 |
31.03.2015 |
31.03.2016 |
31.03.2017 |
|
|
(Estimated) |
(Projected) |
|||
|
|
|
|
|||
|
CURRENT
LIABILITIES |
|
|
|
|
|
|
Short – Term borrowings from banks [including bill purchased,
discounted and excess borrowings placed on repayment basis] |
|
|
|
|
|
|
From applicant Banks |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
From Other Banks |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Of which BP and BD |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
Sub
Total (A) |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
Short Term Borrowings from others |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Sundry creditors [Trade] |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Sundry creditors [Expenses] |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Advance payments from customers/ deposits from dealers |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Provision of taxes |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Dividend Payable |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Other Statutory Liabilities (Due within one year) |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Deposits/ Installments of Term/ loans/DPGs/Debentures etc. (Due within one year) |
1.500 |
3.300 |
3.300 |
3.300 |
3.300 |
|
Other current liabilities and provision (Due within one year) |
0.100 |
0.100 |
0.100 |
0.100 |
0.100 |
|
|
|
|
|
|
|
|
Sub
– Total (B) |
1.600 |
3.400 |
3.400 |
3.400 |
3.400 |
|
|
|
|
|
|
|
|
Total
Current Liabilities |
1.600 |
3.400 |
3.400 |
3.400 |
3.400 |
|
|
|
|
|
|
|
|
TERM
LIABILITIES |
|
|
|
|
|
|
|
|
|
|
|
|
|
Debentures (Not Maturing within one year) |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
Unsecured Loans from Directors (Redeemable after one year) |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
Term Loans (Excluding Installment) |
16.500 |
13.200 |
9.900 |
6.600 |
3.300 |
|
|
|
|
|
|
|
|
Deferred Installment (Due within one year) |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
Term deposit (repayable one year |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Other Term Liabilities |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
Total
Term Liabilities |
16.500 |
13.200 |
9.900 |
6.600 |
3.300 |
|
Total
of Outside Liabilities |
18.100 |
16.600 |
13.300 |
10.000 |
6.700 |
|
|
|
|
|
|
|
|
Net
Worth |
|
|
|
|
|
|
Share Capital Account |
9.980 |
14.708 |
19.805 |
25.201 |
32.484 |
|
General Reserve |
-- |
-- |
-- |
-- |
-- |
|
Shares Premium Account |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Plus (+) or deficit (-) in Profit and Loss Account others (Specify) |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Differed Tax Liability |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
Net Worth |
9.980 |
14.708 |
19.805 |
25.201 |
32.484 |
|
|
|
|
|
|
|
|
TOTAL LIABILITIES |
28.080 |
31.308 |
33.105 |
35.201 |
39.184 |
|
|
|
|
|
|
|
|
ASSETS |
|
|
|
|
|
|
CURRENT
ASSETS |
|
|
|
|
|
|
|
|
|
|
|
|
|
Cash and Bank Balance |
0.303 |
2.648 |
3.094 |
2.442 |
3.339 |
|
|
|
|
|
|
|
|
Fixed deposit with bank |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Receivable Other than Exports |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
Installment of deferred receivable (due within one year) |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
INVENTORY: |
|
|
|
|
|
|
Raw materials
(including stores and other item used in the process of manufacturing) |
|
|
|
|
|
|
Imported |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Indigenous |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
Stock – in – process |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Finished Goods |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
Other Consumable Spares |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Imported Consumables |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Indigenous Consumables |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
Advance to Suppliers of Raw materials and stores and
spares |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Advances Payments Taxes |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Other current assets |
7.000 |
11.000 |
15.000 |
20.000 |
25.000 |
|
|
|
|
|
|
|
|
TOTAL
CURRENT ASSETS |
7.303 |
13.648 |
18.094 |
22.442 |
28.339 |
|
|
|
|
|
|
|
|
FIXED
ASSETS |
|
|
|
|
|
|
Gross Block |
24.443 |
24.443 |
24.443 |
24.443 |
24.443 |
|
Depreciation to date |
3.666 |
6.783 |
9.432 |
11.684 |
13.598 |
|
|
|
|
|
|
|
|
NET
BLOCK |
20.777 |
17.660 |
15.011 |
12.759 |
10.845 |
|
|
|
|
|
|
|
|
Investment/ books debts/ advances/ exposits which are not
current assets |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Investment in subsidiary company |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Others Investment |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
Others
Debtors (6 month) |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Security Deposits |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Others |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
TOTAL
OTHER NON – CURRENT ASSETS |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
Intangible assets |
0.000 |
0..000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
TOTAL
ASSETS |
28.080 |
31.308 |
33.105 |
35.201 |
39.184 |
|
|
|
|
|
|
|
|
Tangible Net Worth |
9.980 |
14.708 |
19.805 |
25.201 |
32.484 |
|
|
|
|
|
|
|
|
Net Working Capital |
5.703 |
10.248 |
14.694 |
19.042 |
24.939 |
|
|
|
|
|
|
|
|
Current Ratio |
4.56 |
4.01 |
5.32 |
6.60 |
8.33 |
|
|
|
|
|
|
|
|
Total Outside Liabilities/ Tangible Net Worth |
1.81 |
1.13 |
0.67 |
0.40 |
0.21 |
------------------------------------------------------------------------------------------------------------------------------
COMPARATIVE
STATEMENT OF CURRENT ASSETS AND CURRENT LIABILITIES
(RS. IN MILLIONS)
|
Particulars |
31.03.2013 |
31.03.2014 |
31.03.2015 |
31.03.2016 |
31.03.2017 |
|
|
(Estimated) |
(Projected) |
|||
|
|
|
|
|
|
|
|
Raw Materials (Including Stores, and Other
Items used in the Process of Manufacture)
|
|
|
|
|
|
|
[a] Imported |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Months Consumption |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
[b] Indigenous |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Months Consumption |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
Other consumable spares, Excluding those included
1 above |
|
|
|
|
|
|
[a] Imported |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Months Consumption |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
[b] Indigenous |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Months Consumption |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
Stock in process |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Months cost of production |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
Finished goods |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Months cost of sales |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
Receivable other than export and deferred
receivables [including bills purchased and discounted by bankers] |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Months domestic sales |
-- |
-- |
-- |
-- |
-- |
|
|
|
|
|
|
|
|
Export receivables [including bills
purchased and discounted by bankers months export sales] |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
Advances to suppliers of raw materials and stores/
spares consumable |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
Other current Assets including cash and bank
balances and deferred receivable due within one year |
7.303 |
13.648 |
18.094 |
22.442 |
28.339 |
|
|
|
|
|
|
|
|
TOTAL CURRENT ASSETS |
7.303 |
13.648 |
18.094 |
22.442 |
28.339 |
|
|
|
|
|
|
|
|
B CURRENT LIABILITIES |
|
|
|
|
|
|
[Other than bank borrowing for working
capital] |
|
|
|
|
|
|
|
|
|
|
|
|
|
Creditors for purchases of raw materials and
stores and consumable spares |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
Months Purchases |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
Credit for than Suppliers |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
Advances from customers |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
Statutory liabilities |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
Other current liability including short term
borrowing dividend payable, installment of DPG public deposit, debentures etc
|
1.600 |
3.400 |
3.400 |
3.400 |
3.400 |
|
|
|
|
|
|
|
|
TOTAL |
1.600 |
3.400 |
3.400 |
3.400 |
3.400 |
------------------------------------------------------------------------------------------------------------------------------
COMPUTATION
OF MAXIMUM PERMISSIBLE BANK FINANCE FOR WORKING CAPITAL
(RS IN MILLIONS)
|
Particulars |
31.03.2013 |
31.03.2014 |
31.03.2015 |
31.03.2016 |
31.03.2017 |
|
|
(Estimated) |
(Projected) |
|||
|
|
|
|
|||
|
FIRST METHOD OF LENDING |
|
|
|
|
|
|
|
|
|
|
|
|
|
Total Current Assets |
7.303 |
13.648 |
18.094 |
22.442 |
28.339 |
|
|
|
|
|
|
|
|
Other Current Liabilities (Other than bank borrowings) |
1.600 |
3.4000 |
3.400 |
3.400 |
3.400 |
|
|
|
|
|
|
|
|
Working Capital Gap (WCG) |
5.703 |
10.248 |
14.694 |
19.042 |
24.939 |
|
|
|
|
|
|
|
|
Minimum stipulated net working capital i.e. 25%
of WCG/ 25% of total current assets as the case may be depending upon the
method of lending being applied (Export receivables to be excluded under both
methods) |
1.426 |
2.562 |
3.674 |
4.760 |
6.235 |
|
|
|
|
|
|
|
|
Actual / projected net working capital |
5.703 |
10.248 |
14.694 |
19.042 |
24.939 |
|
|
|
|
|
|
|
|
Item 3 minus item 4 |
4.277 |
7.686 |
11.021 |
14.281 |
18.704 |
|
|
|
|
|
|
|
|
Item 3 minus item 5 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
Maximum permissible bank finance (Item 6 or 7 whichever is lower) |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
Excess Borrowing Representing Short falling
NWC |
-- |
-- |
-- |
-- |
-- |
------------------------------------------------------------------------------------------------------------------------------
ADVANCE
DIAGNOSTICS
(SISTER CONCERN)
(MR. GURDEEP SINGH
– PROPRIETOR)
CAPITAL
ACCOUNT
|
Particulars |
31.03.2011 (Rs. In
Millions) |
|
|
|
|
|
|
GURDEEP SINGH |
|
|
|
Opening Balance |
|
1.052 |
|
|
|
|
|
Additions |
|
|
|
Share of Profit
@100.0% |
0.872 |
|
|
Salary Income |
0.120 |
|
|
Bank Interests |
0.009 |
|
|
Maturity of UTI
Ulip |
0.110 |
1.111 |
|
|
|
|
|
Less:
Withdrawals |
|
|
|
Personal USE |
0.360 |
|
|
Income Tax (A.Y.
2010-11) |
0.131 |
|
|
Personal
Expenses |
0.089 |
|
|
Household
Electricity |
0.040 |
|
|
1/5th
of Car Repair and Maintenance |
0.013 |
|
|
Amount Withdrawn
|
0.442 |
1.075 |
|
|
|
|
|
Total |
|
1.088 |
BALANCE
SHEET
(RS. IN MILLIONS)
|
SOURCES OF FUNDS |
|
|
31.03.2011 |
|
|
SHAREHOLDERS FUNDS |
|
|
|
|
|
1] Share Capital |
|
|
1.088 |
|
|
2] Share Application Money |
|
|
0.000 |
|
|
3] Reserves & Surplus |
|
|
0.000 |
|
|
4] (Accumulated Losses) |
|
|
0.000 |
|
|
NETWORTH |
|
|
1.088 |
|
|
LOAN FUNDS |
|
|
|
|
|
1] Secured Loans |
|
|
2.443 |
|
|
2] Unsecured Loans |
|
|
2.136 |
|
|
TOTAL BORROWING |
|
|
4.579 |
|
|
DEFERRED TAX LIABILITIES |
|
|
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
|
|
5.667 |
|
|
|
|
|
|
|
|
APPLICATION OF FUNDS |
|
|
|
|
|
|
|
|
|
|
|
FIXED ASSETS [Net Block] |
|
|
4.863 |
|
|
Capital work-in-progress |
|
|
0.000 |
|
|
|
|
|
|
|
|
INVESTMENT |
|
|
0.000 |
|
|
DEFERREX TAX ASSETS |
|
|
0.000 |
|
|
|
|
|
|
|
|
CURRENT ASSETS, LOANS & ADVANCES |
|
|
|
|
|
|
Inventories |
|
|
0.000 |
|
|
Sundry Debtors |
|
|
0.000 |
|
|
Cash & Bank Balances |
|
|
0.213 |
|
|
Other Current Assets |
|
|
0.726 |
|
|
Loans & Advances |
|
|
0.000 |
|
Total
Current Assets |
|
|
0.939 |
|
|
Less : CURRENT
LIABILITIES & PROVISIONS |
|
|
|
|
|
|
Sundry Creditor |
|
|
0.116 |
|
|
Other Current Liabilities |
|
|
0.019 |
|
|
Provisions |
|
|
0.000 |
|
Total
Current Liabilities |
|
|
0.135 |
|
|
Net Current Assets |
|
|
0.804 |
|
|
|
|
|
|
|
|
MISCELLANEOUS EXPENSES |
|
|
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
|
|
5.667 |
|
PROFIT
AND LOSS ACCOUNT
(RS. IN MILLIONS)
|
|
PARTICULARS |
|
|
31.03.2011 |
|
|
|
SALES |
|
|
|
|
|
|
|
Professional Receipts |
|
|
4.557 |
|
|
|
TOTAL |
|
|
4.557 |
|
|
|
|
|
|
|
|
Less |
EXPENSES |
|
|
|
|
|
|
|
Audit Fees |
|
|
0.003 |
|
|
|
Accounting Charges |
|
|
0.018 |
|
|
|
Bank Charges |
|
|
0.002 |
|
|
|
Bank Interests |
|
|
0.291 |
|
|
|
Car Repair and Maintenance |
|
|
0.054 |
|
|
|
Computer Repair and Maintenance |
|
|
0.002 |
|
|
|
Consumable Stores |
|
|
0.594 |
|
|
|
Conveyance Expenses |
|
|
0.064 |
|
|
|
Diwali Expenses |
|
|
0.010 |
|
|
|
Electrical Expenses |
|
|
0.120 |
|
|
|
Generator Repair and Maintenance |
|
|
0.052 |
|
|
|
Insurance Charges |
|
|
0.062 |
|
|
|
Interests on Loans |
|
|
0.006 |
|
|
|
Machinery Repair and Maintenance |
|
|
0.060 |
|
|
|
Misc. Expenses |
|
|
0.044 |
|
|
|
Printing and Stationery |
|
|
0.077 |
|
|
|
Salaries |
|
|
1.234 |
|
|
|
Staff Welfare |
|
|
0.055 |
|
|
|
Telephone Expenses |
|
|
0.043 |
|
|
|
Van Repair and Maintenance |
|
|
0.035 |
|
|
|
TOTAL |
|
|
2.826 |
|
|
|
|
|
|
|
|
|
PROFIT
BEFORE TAX, DEPRECIATION AND AMORTISATION |
|
|
1.731 |
|
|
|
|
|
|
|
|
|
Less/ Add |
DEPRECIATION/
AMORTISATION |
|
|
0.859 |
|
|
|
|
|
|
|
|
|
|
NET PROFIT |
|
|
0.872 |
|
------------------------------------------------------------------------------------------------------------------------------
ADVANCE
DIAGNOSTICS
(SISTER CONCERN)
COMPUTATION
OF INCOME
|
Particulars |
Amount (Rs. In
Millions) |
||
|
|
|
|
|
|
Income from Salary |
|
0.120 |
|
|
Gross Salary including all Allowances drawn
from |
0.120 |
|
|
|
Taxable Salary |
0.120 |
|
|
|
|
|
|
|
|
Income from Business/ profession |
|
0.872 |
|
|
Advance Diagnostics |
|
|
|
|
Net profit as per Profit and Loss A/c |
0.872 |
|
|
|
Add: Items Inadmissible / for Separte
Consideration |
0.859 |
|
|
|
|
|
|
|
|
Depreciation Separately Considered – 0.859 |
|
|
|
|
Sub Total |
1.731 |
|
|
|
Less: Item Admissible / for Separate Consideration
|
0.859 |
|
|
|
Depreciation as Admissible - 0.859 |
|
|
|
|
Business Income |
0.872 |
|
|
|
|
|
|
|
|
Income from Other Sources |
|
0.015 |
|
|
Bank Interests |
|
|
|
|
Bank Interests (OBC Personal A/c) |
0.003 |
|
|
|
Bank Interests (SBI) |
0.009 |
|
|
|
|
|
|
|
|
FDR Interests |
0.003 |
|
|
|
|
|
|
|
|
Total Income from Other Sources |
0.015 |
|
|
|
|
|
|
|
|
Gross Total Income |
|
1.007 |
|
|
Less: Deductions under chapter VI –A |
|
0.078 |
|
|
|
|
|
|
|
LIC |
0.049 |
|
|
|
T. Fee |
0.029 |
|
|
|
|
|
|
|
|
Total Income |
|
0.929 |
|
|
|
|
|
|
|
Net Assessable
Income of the Assesses is thus Rs.0.929 Million |
|||
|
COMPUTATION OF
TAX |
|||
|
Tax on Total Income of Rs.0.929 Million at
normal rates |
0.133 |
||
|
Add: Educational Cess @ 3% |
0.003 |
||
|
|
0.136 |
||
Tax Payable
Less: Advance Tax Paid = 0.112
|
Date |
Branch Code |
Challan Serial
No. |
Amount |
|
|
|
|
|
|
14.09.2010 |
0510308 |
50762 |
0.030 |
|
15.12.2010 |
0510308 |
60659 |
0.041 |
|
09.03.2011 |
0510308 |
54524 |
0.041 |
|
|
|
|
0.112 |
|
Balance tax Payable |
0.024 |
|
Add: Interests Payable |
0.002 |
|
Interests u/s 234 B – 0.001 |
|
|
Interests u/s 234 C – 0.001 |
|
|
|
|
|
1st Installment – 327 2nd Installment – 321 3rd Installment - 242 |
|
|
|
|
|
Less: Self Assessment tax Paid on 28.07.2011
|
0.026 |
|
|
|
|
Tax Payable |
0.000 |
------------------------------------------------------------------------------------------------------------------------------
AMBER
RADIO-DIAGNOSTIC SERVICES
(SISTER CONCERN)
(PARTNERSHIP –
FIRM)
CAPITAL
ACCOUNT
|
Particulars |
31.03.2012 (Rs. In
Millions) |
|
|
|
|
|
|
DR. GURDEEP
SINGH |
|
|
|
Opening Balance |
0.000 |
|
|
|
|
|
|
Additions |
|
|
|
Amount
Introduced |
1.020 |
1.020 |
|
|
|
|
|
|
|
|
|
|
|
|
|
DR. SANDEEP
SINGH |
|
|
|
Opening Balance |
0.000 |
|
|
|
|
|
|
Additions |
|
|
|
Amount
Introduced |
0.500 |
0.500 |
|
|
|
|
|
Total |
|
1.520 |
BALANCE
SHEET
(RS. IN MILLIONS)
|
SOURCES OF FUNDS |
|
|
31.03.2012 |
|
|
SHAREHOLDERS FUNDS |
|
|
|
|
|
1] Share Capital |
|
|
1.520 |
|
|
2] Share Application Money |
|
|
0.000 |
|
|
3] Reserves & Surplus |
|
|
0.000 |
|
|
4] (Accumulated Losses) |
|
|
0.000 |
|
|
NETWORTH |
|
|
1.520 |
|
|
LOAN FUNDS |
|
|
|
|
|
1] Secured Loans |
|
|
0.000 |
|
|
2] Unsecured Loans |
|
|
0.000 |
|
|
TOTAL BORROWING |
|
|
0.000 |
|
|
DEFERRED TAX LIABILITIES |
|
|
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
|
|
1.520 |
|
|
|
|
|
|
|
|
APPLICATION OF FUNDS |
|
|
|
|
|
|
|
|
|
|
|
FIXED ASSETS [Net Block] |
|
|
0.000 |
|
|
Capital work-in-progress |
|
|
0.000 |
|
|
|
|
|
|
|
|
INVESTMENT |
|
|
0.000 |
|
|
DEFERREX TAX ASSETS |
|
|
0.000 |
|
|
|
|
|
|
|
|
CURRENT ASSETS, LOANS & ADVANCES |
|
|
|
|
|
|
Inventories |
|
|
0.000 |
|
|
Sundry Debtors |
|
|
0.000 |
|
|
Cash & Bank Balances |
|
|
0.000 |
|
|
Other Current Assets |
|
|
1.500 |
|
|
Loans & Advances |
|
|
0.020 |
|
Total
Current Assets |
|
|
1.520 |
|
|
Less : CURRENT
LIABILITIES & PROVISIONS |
|
|
|
|
|
|
Sundry Creditor |
|
|
0.005 |
|
|
Other Current Liabilities |
|
|
0.000 |
|
|
Provisions |
|
|
0.000 |
|
Total
Current Liabilities |
|
|
0.005 |
|
|
Net Current Assets |
|
|
1.515 |
|
|
|
|
|
|
|
|
MISCELLANEOUS EXPENSES |
|
|
0.005 |
|
|
|
|
|
|
|
|
TOTAL |
|
|
1.520 |
|
------------------------------------------------------------------------------------------------------------------------------
ASSETS
AND LIABILITIES
(DR.
SANDEEP SINGH)
(RS. IN MILLIONS)
BANK ACCOUNT
|
Bank |
Branch |
S/B C/D A/C No. |
Present balance |
|
|
|
|
|
|
City Bank |
Feroze Gandhi Market |
5119439169 |
0.245 |
DETAILS OF ASSETS
A.
IMMOVABLE PROPERTY
|
Assets |
Own/ Joint Name |
Area |
Freehold or
Leasehold |
Purchase Cost |
Present Value |
|
|
|
|
|
|
|
|
Residential Flat |
Own |
171.50 |
Freehold |
1.800 |
0.400 |
|
|
|
|
|
|
|
B.
MOVABLE PROPERTY
INSURANCE POLICIES
|
Name of Company |
Surrender Value |
|
|
|
|
LIC Policies |
0.800 |
INVESTMENT IN GOVERNMENT
SECURITIES LIKE BONDS/PPF/NSC/KVP/IVP ETC.
|
Bond/
Certificate No. |
Issuing Office/
Post Office |
Maturity Amount |
|
|
|
|
|
PPF |
SBI |
0.250 |
VEHICLES
|
Type of Vehicles |
Registration No. |
Model |
Year of Make |
Cost at the time
of Purchase |
Present Value |
|
|
|
|
|
|
|
|
CAR |
PB-10CB 4421 |
2008 |
2008 |
0.415 |
0.275 |
|
|
|
|
|
|
|
JEWELLERY
|
|
Quantity |
Valuation (Approx) |
|
Gold |
200 gm |
0.500 |
|
Silver |
700 gm |
0.021 |
|
Others |
Household Goods |
0.400 |
DETAILS OF
LIABILITIES
AS BORROWER
|
Borrower From |
Purpose Loan |
Amount of Loan |
|
|
|
|
|
ICICI |
Household Goods |
0.015 |
LEGAL HEIRS/
FAMILY PARTICULARS
|
Name |
Occupation |
Relation |
Age |
|
|
|
|
|
|
Dr. Daizy Singh |
Doctor |
Wife |
37 |
|
Aditya |
Student |
Son |
9 |
|
Samrath |
Student |
Son |
1 ˝ |
(RS. IN MILLIONS)
A.
IMMOVABLE PROPERTIES
|
Place where the land
or building is situated (Details of Survey No., Door No., Steels etc.) |
Ancestral or
Self Acquired |
Market Value (Rs. In
Millions) |
|
|
|
|
|
Sky Mark Garden, Flat No.101-B, |
Self Acquired |
4.000 |
B.
LIQUID ASSETS
|
Particulars |
Amount (Rs. In
Millions) |
|
|
|
|
Cash and Bank Balance |
0.245 |
|
Shares (Give details)/ MF |
0.300 |
|
Life Insurance Policy No. and Date |
0.800 |
|
Jewellery |
0.350 |
|
Public Provident Fund |
0.200 |
|
Fixed Assets |
0.360 |
|
|
|
|
Total |
2.255 |
|
Particulars |
Amount (Rs. In
Millions) |
|
|
|
|
Borrowing from Bank (Give details of securities Furnished) Flat Loan
From ICICI Bank |
1.500 |
------------------------------------------------------------------------------------------------------------------------------
ASSETS
AND LIABILITIES
(DR.
GURDEEP SINGH)
(RS. IN MILLIONS)
DETAILS OF ASSETS
A.
IMMOVABLE PROPERTY
|
Assets |
Own/ Joint Name |
Freehold or
Leasehold |
Address |
Present Value |
|
|
|
|
|
|
|
Residential |
˝ shares |
Freehold |
˝ Shares in Property 43, Tagore Nagar, |
4.500 |
|
|
|
|
|
|
B.
MOVABLE PROPERTY
INSURANCE POLICIES
|
Name of Company |
Surrender Value |
|
|
|
|
LIC Policies |
0.600 |
INVESTMENT IN
GOVERNMENT SECURITIES LIKE BONDS/PPF/NSC/KVP/IVP ETC.
|
Issuing Office/
Post Office |
Face Value |
|
|
|
|
SBI |
0.140 |
VEHICLES
|
Type of Vehicles |
Registration No. |
Present Value |
|
|
|
|
|
Omni |
PB-10CN 3273 |
0.200 |
|
|
|
|
JEWELLERY
|
|
Quantity |
Valuation (Approx.) |
|
Gold |
100 gm |
0.250 |
|
Silver |
200 gm |
0.080 |
|
Others |
Household Goods |
0.275 |
CAPITAL INVESTED
IN BUSINESS – NAME OF FIRM/ COMPANY
Advance Diagnostic – Rs.3.500 Millions
DETAILS OF
LIABILITIES
AS BORROWER
|
Borrower From |
Purpose of Loan |
Amount of Loan |
|
|
|
|
|
SBI |
Household Goods |
1.125 0.864 |
LEGAL HEIRS/
FAMILY PARTICULARS
|
Name |
Occupation |
Relation |
Age |
|
|
|
|
|
|
Dr. Rubinder Kaur |
Doctor |
Wife |
42 |
|
Aarshdeep |
Student |
Son |
10 |
|
Aashana Kaur |
Student |
Daughter |
7 |
(RS. IN MILLIONS)
A.
IMMOVABLE PROPERTIES
|
Place where the
land or building is situated (Details of Survey No., Door No., Steels etc.) |
Ancestral or
Self Acquired |
If encumbered,
to what extent |
Market Value (Rs. In
Millions) |
|
|
|
|
|
|
˝ shares in Property No.43, Tagore Nagar, |
Self Acquired |
2.000 |
4.500 |
B.
LIQUID ASSETS
|
Particulars |
Amount (Rs. In
Millions) |
|
|
|
|
Shares (Give details) |
0.050 |
|
Life Insurance Policy No. and Date |
0.600 |
|
Jewellery |
0.250 |
|
Investment in Business Advance Diagnostics |
3.500 |
|
Investment in Business Aaron Life private limited |
0.050 |
|
Others |
0.140 |
|
|
|
|
Total |
4.590 |
|
Particulars |
Amount (Rs. In
Millions) |
|
|
|
|
Borrowing from Bank (Give details of securities Furnished) State Bank of State Bank of |
1.125 0.864 |
|
Total |
1.989 |
------------------------------------------------------------------------------------------------------------------------------
VALUATION REPORT
(IN RESPECT OF LAND/SITE AND BUILDING)
(TO BE FILLED IN BY APPROVED VALUER)
|
Client (Owner as per document submitted to us for Valuation) |
Mrs. M. Rupinder Kaur W/o S. Gurdeep Singh r/o 43, Tagore Nagar Opposite D.C.M. Boys Hostel Tehs. and District |
|
|
|
|
Properties Complete Address (Properly as shown and Identified by Rupinder Kaur Owner) |
Prop. No.14-A, Tehs. and District Land Measuring 300 Sq. yds. |
|
|
|
|
Date of Visit |
06.04.2012 |
|
|
|
|
Date of Valuation |
07.04.2012 |
|
|
|
|
Document Produced for Valuation |
Registration deed bearing wasika number 1699 dated 29.04.2011 in the
name of Mrs. M. Rupinder Singh (Kaur) W/o S. Gurdeep Singh r/o 43, Tagore
Nagar, Opposite DCM Boya Hostel, Tehs. And District Land Measuring 300 Sq. yds. |
|
|
|
|
Name of the owner(s) and his/their address(es) with numbers (Detail of
share of each owner in case of joint ownership) |
ownership details as per above 100% ownership |
|
|
|
|
Brief description of property |
The area is approved Residential /Commercial Belt where Surroundings,
Neighbourhood and abadi is good and all facilities like water supply and
sewerage are available (Provided by
colonizer) the property has got Average saleability |
|
|
|
|
Location of property a) Plot No/ Survey No. b) T. S. No; Village c) Ward/ Taluka d) Mandal/ District |
Prop. No. 14-A, Ayali Khurd Tehs. And district Land Measuring 300 Sq. yds. |
|
|
|
|
Complete detail of Khasra, Khatta
Jamabandi etc. |
Khasra No.32//17,32//16,31//20/2 Khata No.458/470,459/471 As per Jamabandi of the year 2004-05 |
|
|
|
|
Postal Address of the Property |
Prop. No.14-A, Ayali Khurd Tehs. and District Land Measuring 300 Sq. yds. |
|
|
|
|
City/ Town |
|
|
Residential area |
Open Plot as on date (With boundary wall) |
|
Commercial Area |
NA |
|
Industrial Area |
NA |
|
|
|
|
Classification of the Area |
|
|
High/ Middle/ Poor |
Middle |
|
Urban/semi-Urban/Rural |
Urban Facilities available at
site |
|
|
|
|
Coming under Corporation Limit/ Village Panchayat/ Municipalty |
Not Under Municipal Corporation But colony approved by PUDA |
|
|
|
|
Weather covered under any state Central Govt. enactments (e.g. Urban
Land Ceiling Act) or notified under agency area/ scheduled areal/ Cantonment
area. |
As per LSR |
|
|
|
|
Boundaries of the proper |
As per Registration deed |
|
North - Plot No. 15-A South - Neighbour East - Road West - Plot No.13-A |
85’00” 85’00” 31’09” 31’09” |
|
|
As per Site |
|
North - Plot No. 15-A South – East – Road West – Plot No.13-A |
85’00” 85’00” 31’09” 31’09” |
|
|
|
|
Extent of the site |
300 sq. yds |
|
|
|
|
Extent of the site considered for Valuation (least of 14a & 14b) |
300 sq. yds |
|
Weather occupied by the owner /Tenant If occupied by the tenant since
how long? Rent received per month. |
Self Possessed property (as claimed) |
|
|
|
|
PART
A (VALUATION OF LAND) |
|
|
Size of Plot |
|
|
North and South |
Ref Above |
|
East and West |
Ref Above |
|
|
|
|
Total Extent of the Plot |
300.00 Sq. yds. |
|
Prevailing Market Rate |
Rs.25000.00 per sq. yds to Rs.26000.00 per sq. yds |
|
|
|
|
Guideline rate obtained from register’s
office (Evidence be enclosed) |
Rs.5000.00 Per Sq. Yds. Ayali Khurd- Residential Rates |
|
|
|
|
Assessed / adopted rate of valuation |
Rs.25000.00 per Sq.
yds |
|
Estimated Value of Land |
Rs.7.500 Millions |
|
|
|
|
PART
– B (VALUATION
OF BUILDING) |
|
|
TECHNICAL
DETAILS OF THE BUILDING |
|
|
Type of building Residential/ Commercial/ Industrial |
Open Plot as on date (with boundary wall for demarcation) |
|
|
|
|
Type of construction (Load bearing/ RCC/ Steel framed) |
Open Plot as on date (with boundary wall for demarcation) |
|
|
|
|
PART
– C (EXTRA ITEMS) |
|
|
|
(Amount in Rupees) |
|
PORTICO |
Rs.0.000 |
|
|
|
|
ORNAMENTAL FRONT DOOR |
Rs.0.000 |
|
|
|
|
SITOUT/ VERANDAH WITH STEEL GRILLS |
Rs.0.000 |
|
|
|
|
FOUNDATIONS |
Rs.0.000 |
|
|
|
|
EXTRA STEEL/ COLLAPSIBLE GATE |
Rs.2500.00 |
|
|
|
|
Total |
Rs.2500.00 |
|
|
|
|
PART
– D (AMENITIES) |
Rs.0.000 |
|
|
|
|
PART
– E (MISCELLANEOUS) |
Rs.0.000 |
|
|
|
|
PART
– F (SERVICES) |
|
|
Water supply/ Sewerage Arrangements |
Rs.0.000 |
|
|
|
|
Submersible Pump |
Rs.0.000 |
|
|
|
|
Boundary Wall |
Rs.150000.00 |
|
|
|
|
C. B. Deposits, Fittings etc. |
Rs.0.000 |
|
|
|
|
Pavement |
Rs.0.000 |
|
|
|
|
Total |
Rs.150000.00 |
|
|
|
|
TOTAL
ABSTRACT OF ENTIRE PROPERTY |
|
|
Part A Land |
Rs.7.500 Millions |
|
Part B Building |
Rs.0.000 |
|
Part C Extra Items |
Rs.0.003 Million |
|
Part D Amenities |
Rs.0.000 |
|
Part E Miscellaneous |
Rs.0.000 |
|
Part F Services |
Rs.0.150 Million |
|
|
|
|
Total |
Rs.7.653
Millions |
VALUATION
DETAILS
A. Market Value of Property
(It is calculated as 100% of prevalent land Value + 100% of Building
value as Calculated above)
Rs.7.652 Millions
B. Realizable Value
(In this case it is considered as 80% of The Market Value)
Rs.6.122 Millions
C. Forsed Sales value of Property
(It has been considered as 70% of MV in this case)
Rs.5.356 Millions
D. Min Reserved value/ registered Value
(Min Reserved rated @ Rs.5000 + Const
Rs.1.653 Millions
------------------------------------------------------------------------------------------------------------------------------
VALUATION REPORT
(IN RESPECT OF LAND/SITE AND BUILDING)
(TO BE FILLED IN BY APPROVED VALUER)
|
Client (Owner as per document submitted to us for Valuation) |
Mrs. Daisy Singh W/o S. Sandeep Singh r/o 111, New Lajpat Nagar, |
|
|
|
|
Properties Complete Address (Properly as shown and Identified by Mrs. Daisy Singh Owner) |
Prop. In shape of Open Plot Near Gurdwara, Begoana Mohalla, Wakia
Village Gill, Land Measuring 171.5 Sq. yds. |
|
|
|
|
Date of Visit |
06.04.2012 |
|
|
|
|
Date of Valuation |
07.04.2012 |
|
|
|
|
Document Produced for Valuation |
Registration deed bearing wasika number 1739 dated 10.05.2011 in the
name of Mrs. Daisy Singh W/o S. Sandeep Singh r/o 111, New Lajpat nagar, |
|
|
|
|
Name of the owner(s) and his/their address(es) with numbers (Detail of
share of each owner in case of joint ownership) |
ownership details as per above 100% ownership |
|
|
|
|
Brief description of property |
The area is approved Residential /Commercial Belt where Surroundings, Neighbourhood
and abadi is good and all facilities like water supply and sewerage are
available (Self arranged by owner) the property has got Average Saleability. |
|
|
|
|
Location of property a) Plot No/ Survey No. b) T. S. No; Village c) Ward/ Taluka d) Mandal/ District |
Prop. In Shape of Open Plot Near Gurdwara, Begoana Mohalla, |
|
|
|
|
Complete detail of Khasra, Khatta
Jamabandi etc. |
Khasra No.1185-1186 Khevat/ Khatoni No.1806/2420-1805/2419 As per Jamabandi of the year 2005-06 |
|
|
|
|
Postal Address of the Property |
Prop. In Shape of Open Plot Near Gurdwara, Begoana Mohalla, |
|
|
|
|
City/ Town |
|
|
Residential area |
Open Plot as on date (With boundary wall) |
|
Commercial Area |
NA |
|
Industrial Area |
NA |
|
|
|
|
Classification of the Area |
|
|
High/ Middle/ Poor |
Middle |
|
Urban/semi-Urban/Rural |
Urban Facilities available at
site |
|
|
|
|
Coming under Corporation Limit/ Village Panchayat/ Municipalty |
Not Under Municipal Corporation |
|
|
|
|
Weather covered under any state Central Govt. enactments (e.g. Urban Land
Ceiling Act) or notified under agency area/ scheduled areal/ Cantonment area. |
As per LSR |
|
|
|
|
Boundaries of the proper |
As per Registration deed |
|
North - Neighbor South - Neighbor East – Joginder Singh West – Road 20ft Wide |
58’03” 66’03” 23’00” 26’00” |
|
|
As per Site |
|
North – Open Plot South – Open Plot East – Open Plot West – Road 20ft Wide |
58’03” 66’03” 23’00” 24’06” |
|
|
|
|
Extent of the site |
164.00 Sq. yds. |
|
|
|
|
Extent of the site considered for Valuation (least of 14a & 14b) |
164.00 Sq. yds. |
|
Weather occupied by the owner /Tenant If occupied by the tenant since
how long? Rent received per month. |
Self Possessed property (as claimed) |
|
|
|
|
PART
A (VALUATION OF LAND) |
|
|
Size of Plot |
|
|
North and South |
Ref Above |
|
East and West |
Ref Above |
|
|
|
|
Total Extent of the Plot |
164.00 Sq. yds. |
|
Prevailing Market Rate |
Rs.11500.00 per sq. yds to Rs.12500.00 per sq. yds |
|
|
|
|
Guideline rate obtained from register’s
office (Evidence be enclosed) |
Rs.2500.00 Per Sq. Yds. Begoana Mohall - Residential Rates |
|
|
|
|
Assessed / adopted rate of valuation |
Rs.12000.00 per Sq.
yds |
|
Estimated Value of Land |
Rs.1.968 Millions |
|
|
|
|
PART
– B (VALUATION
OF BUILDING) |
|
|
TECHNICAL
DETAILS OF THE BUILDING |
|
|
Type of building Residential/ Commercial/ Industrial |
Open Plot as on date (with small boundary wall for demarcation) |
|
|
|
|
Type of construction (Load bearing/ RCC/ Steel framed) |
Open Plot as on date (with small boundary wall for demarcation) |
|
|
|
|
PART
– C (EXTRA ITEMS) |
|
|
|
(Amount in Rupees) |
|
PORTICO |
Rs.0.00 |
|
|
|
|
ORNAMENTAL FRONT DOOR |
Rs.0.00 |
|
|
|
|
SITOUT/ VERANDAH WITH STEEL GRILLS |
Rs.0.00 |
|
|
|
|
FOUNDATIONS |
Rs.50000.00 |
|
|
|
|
EXTRA STEEL/ COLLAPSIBLE GATE |
Rs.0.00 |
|
|
|
|
Total |
Rs.50000.00 |
|
|
|
|
PART
– D (AMENITIES) |
Rs.0.00 |
|
|
|
|
PART
– E (MISCELLANEOUS) |
Rs.0.00 |
|
|
|
|
PART
– F (SERVICES) |
Rs.0.00 |
|
|
|
|
TOTAL
ABSTRACT OF ENTIRE PROPERTY |
|
|
Part A Land |
Rs.1.968 Millions |
|
Part B Building |
Rs.0.00 |
|
Part C Extra Items |
Rs.0.050 Million |
|
Part D Amenities |
Rs.0.00 |
|
Part E Miscellaneous |
Rs.0.00 |
|
Part F Services |
Rs.0.00 |
|
|
|
|
Total |
Rs.2.018
Millions |
VALUATION
DETAILS
A. Market Value of Property
(It is calculated as 100% of prevalent land Value + 100% of Building
value as Calculated above)
Rs.2.020 Millions
B. Realizable Value
(In this case it is considered as 85% of The Market Value)
Rs.1.717 Millions
C. Forsed Sales value of Property
(It has been considered as 70% of MV in this case)
Rs.1.414 Millions
D. Min Reserved value/ registered Value
(Min Reserved rated @ Rs.2500 + Const
Rs.0.479 Million
------------------------------------------------------------------------------------------------------------------------------
VALUATION REPORT
(IN RESPECT OF LAND/SITE AND BUILDING)
(TO BE FILLED IN BY APPROVED VALUER)
|
Client (Owner as per document submitted to us for Valuation) |
Dr. Sandeep Singh S/O Gurbachan Singh r/o H. No. 111, New Lajpat
Nagar, Tehs. and District |
|
|
|
|
Properties Complete Address (Properly as shown and Identified by Mrs. Daisy Singh Owner) |
Flat No.101 (First Floor), Block –B, Area Measuring 1243 Sq. ft. (Undevided Share of Land 22 Sq. yds) |
|
|
|
|
Date of Visit |
06.04.2012 |
|
|
|
|
Date of Valuation |
07.04.2012 |
|
|
|
|
Document Produced for Valuation |
Registration deed bearing wasika number (Not Legible) Dated 18.03.2010
in the name of Dr. Sandeep Singh s/o S. Gurbachan Singh r/o H. No.111, New
Lajpat Nagar, Tehsil and District Ludhiana Area Measuring 1243 sq. ft.. |
|
|
|
|
Name of the owner(s) and his/their address(es) with numbers (Detail of
share of each owner in case of joint ownership) |
ownership details as per above 100% ownership |
|
|
|
|
Brief description of property |
The area is approved Residential /Commercial Belt where Surroundings,
Neighbourhood and abadi is good and all facilities like water supply and
sewerage are available (Provided by Developer/ Colonizer) the property has
got Average Saleability |
|
|
|
|
Location of property a) Plot No/ Survey No. b) T. S. No; Village c) Ward/ Taluka d) Mandal/ District |
Flat No.101 (First Floor), Block –B, Sky Mark Garden, Area Measuring 1243 Sq. ft. |
|
|
|
|
Complete detail of Khasra, Khatta
Jamabandi etc. |
Khasra No.24/6 Khata No. 253/271 As per Jamabandi for the year 2007-08 Tehs. and District |
|
|
|
|
Postal Address of the Property |
Flat No.101 (First Floor), Block B, Sky Mark Garden, Area Measuring 1243 sq. ft. |
|
|
|
|
City/ Town |
|
|
Residential area |
Yes (Classification based on
Usage) |
|
Commercial Area |
NA |
|
Industrial Area |
NA |
|
|
|
|
Classification of the Area |
|
|
High/ Middle/ Poor |
Middle |
|
Urban/semi-Urban/Rural |
Urban Facilities available at
site |
|
|
|
|
Coming under Corporation Limit/ Village Panchayat/ Municipalty |
Outside MC limits but project approved by Government |
|
|
|
|
In case it is an agricultural land, any conversion to house site plots
is contemplated. |
Not Application |
|
|
|
|
Extent of the site |
1243 Sq. yds. |
|
|
|
|
Extent of the site considered for Valuation (least of 14a & 14b) |
1243 Sq. yds. |
|
Weather occupied by the owner /Tenant If occupied by the tenant since
how long? Rent received per month. |
Self Possessed property (as claimed) |
|
|
|
|
PART
A (VALUATION OF LAND) |
|
|
|
|
|
Total Extent of the Plot |
1243.00 Sq. yds. |
|
Prevailing Market Rate |
Rs.3500.00 per sq. yds to Rs.3700.00 per sq. yds |
|
|
|
|
Guideline rate obtained from register’s
office (Evidence be enclosed) |
Rs.3250.00 Per sq. yds. Bulara – |
|
|
|
|
Assessed / adopted rate of valuation |
Rs.3600.00 per sq.
ft. |
|
Estimated Value of Land |
Rs.4.475 Millions |
|
|
|
|
PART
– B (VALUATION
OF BUILDING) |
|
|
TECHNICAL
DETAILS OF THE BUILDING |
|
|
Type of building Residential/ Commercial/ Industrial |
Commercial Used |
|
|
|
|
Type of construction (Load bearing/ RCC/ Steel framed) |
Load Bearing Brick wall Structure |
|
|
|
|
Year of Construction |
Ground Floor 2010 Approximate |
|
|
|
|
Plinth Area Floor Wise |
As per details in calculation part Ground Floor 1243.00 sq. ft. |
|
|
|
|
|
|
|
PART
– C (EXTRA ITEMS) |
Rs.0.000 |
|
|
|
|
PART
– D (AMENITIES) |
Rs.0.000 |
|
|
|
|
PART
– E (MISCELLANEOUS) |
Rs.0.000 |
|
|
|
|
PART
– F (SERVICES) |
|
|
Water supply / Sewerage Arrangements |
Rs.15000.00 |
|
|
|
|
C.B. Deposits, Fittings etc. |
Rs.20000.00 |
|
|
|
|
Total |
Rs.35000.00 |
|
|
|
|
TOTAL
ABSTRACT OF ENTIRE PROPERTY |
|
|
Part A Land Part B Building |
Rs.4.475 Millions |
|
Part C Extra Items |
Rs.0.000 |
|
Part D Amenities |
Rs.0.000 |
|
Part E Miscellaneous |
Rs.0.000 |
|
Part F Services |
Rs.0.035 Million |
|
|
|
|
Total |
Rs.4.510
Millions |
VALUATION
DETAILS
A. Market Value of Property
(It is calculated as 100% of prevalent land Value + 100% of Building
value as Calculated above)
Rs.4.500 Millions
B. Realizable Value
(In this case it is considered as 75% of The Market Value)
Rs.3.375 Millions
C. Forsed Sales value of Property
(It has been considered as 70% of MV in this case)
Rs.3.150 Millions
D. Min Reserved value/ registered Value
(Min Reserved rated @ Rs.2500 + Const
Rs.2.200 Millions
CMT REPORT (Corruption, Money Laundering & Terrorism]
The Public Notice information has been collected from various sources
including but not limited to: The Courts,
1] INFORMATION ON
DESIGNATED PARTY
No records exist designating subject or any of its beneficial owners,
controlling shareholders or senior officers as terrorist or terrorist
organization or whom notice had been received that all financial transactions involving
their assets have been blocked or convicted, found guilty or against whom a
judgement or order had been entered in a proceedings for violating
money-laundering, anti-corruption or bribery or international economic or
anti-terrorism sanction laws or whose assets were seized, blocked, frozen or
ordered forfeited for violation of money laundering or international
anti-terrorism laws.
2] Court Declaration :
No records exist to suggest that subject is
or was the subject of any formal or informal allegations, prosecutions or other
official proceeding for making any prohibited payments or other improper
payments to government officials for engaging in prohibited transactions or
with designated parties.
3] Asset Declaration :
No records exist to suggest that the property or assets of the subject
are derived from criminal conduct or a prohibited transaction.
4] Record on Financial
Crime :
Charges or conviction
registered against subject: None
5] Records on Violation of
Anti-Corruption Laws :
Charges or
investigation registered against subject: None
6] Records on Int’l
Anti-Money Laundering Laws/Standards :
Charges or
investigation registered against subject: None
7] Criminal Records
No
available information exist that suggest that subject or any of its principals
have been formally charged or convicted by a competent governmental authority
for any financial crime or under any formal investigation by a competent
government authority for any violation of anti-corruption laws or international
anti-money laundering laws or standard.
8] Affiliation with
Government :
No record
exists to suggest that any director or indirect owners, controlling
shareholders, director, officer or employee of the company is a government
official or a family member or close business associate of a Government
official.
9] Compensation Package :
Our market
survey revealed that the amount of compensation sought by the subject is fair
and reasonable and comparable to compensation paid to others for similar
services.
10] Press Report :
No press reports / filings exists on
the subject.
CORPORATE GOVERNANCE
MIRA INFORM as part of its Due Diligence do provide comments on Corporate
Governance to identify management and governance. These factors often have been
predictive and in some cases have created vulnerabilities to credit
deterioration.
Our Governance Assessment focuses principally on the interactions
between a company’s management, its Board of Directors, Shareholders and other
financial stakeholders.
CONTRAVENTION
Subject is not known to have contravened any existing local laws,
regulations or policies that prohibit, restrict or otherwise affect the terms
and conditions that could be included in the agreement with the subject.
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.52.52 |
|
|
1 |
Rs.85.49 |
|
Euro |
1 |
Rs.69.61 |
INFORMATION DETAILS
|
Information Gathered
by : |
PJA |
|
|
|
|
Report Prepared
by : |
NIT |
RATING EXPLANATIONS
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
>86 |
Aaa |
Possesses an extremely sound financial base with the strongest capability
for timely payment of interest and principal sums |
Unlimited |
|
71-85 |
Aa |
Possesses adequate working capital. No caution needed for credit
transaction. It has above average (strong) capability for payment of interest
and principal sums |
Large |
|
56-70 |
A |
Financial & operational base are regarded healthy. General
unfavourable factors will not cause fatal effect. Satisfactory capability for
payment of interest and principal sums |
Fairly Large |
|
41-55 |
Ba |
Overall operation is considered normal. Capable to meet normal
commitments. |
Satisfactory |
|
26-40 |
B |
Capability to overcome financial difficulties seems comparatively
below average. |
Small |
|
11-25 |
Ca |
Adverse factors are apparent. Repayment of interest and principal sums
in default or expected to be in default upon maturity |
Limited with
full security |
|
<10 |
C |
Absolute credit risk exists. Caution needed to be exercised |
Credit not
recommended |
|
- |
NB |
New Business |
- |
This report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL)
or its officials.