MIRA INFORM REPORT

 

 

Report Date :

12.05.2012

 

IDENTIFICATION DETAILS

 

Name :

RUCHI INFRASTRUCTURE LIMITED

 

 

Registered Office :

615 Tulsiani Chambers Nariman Point, Mumbai – 400021, Maharashtra

 

 

Country :

India

 

 

Financials (as on) :

31.03.2011

 

 

Date of Incorporation :

28.08.19984

 

 

Com. Reg. No.:

033878

 

 

Capital Investment / Paid-up Capital :

Rs.751.301 Millions

 

 

CIN No.:

[Company Identification No.]

L65990MH1984PLC033878

 

 

Legal Form :

Public Limited Liability Company. The company shares are listed on the stock exchange 

 

 

Line of Business :

Manufacture of vegetable oils and fats

 

 

No. of Employees :

Not Available

 

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba (46 )

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

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

Satisfactory

 

Maximum Credit Limit :

USD 9293456

 

 

Status :

Satisfactory

 

 

Payment Behaviour :

Usually Correct 

 

 

Litigation :

Clear

 

 

Comments :

Subject is an established company having satisfactory track. 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.

 

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 :

615 Tulsiani Chambers Nariman Point, Mumbai – 400021, Maharashtra, India

Tel. No.:

91-22-22824851,52,53,57,59

Fax No.:

91-22-22023160

E-Mail :

ashish_mehta@ruchgroup.com

Website :

www.ruchiinfrastructure.com

 

 

Factory 1 :

Beach Road, Dummulpet, Kakinada - 533 008, Andhra Pradesh

 

 

Factory 2 :

Village Sejwaya, Ghatabhillod, District Dhar, Madhya Pradesh - 454 773

 

 

Corporate Office :

101, The Horizon, 1st Floor, Nath Mandir Road, 11/5 South Tukoganj, Indore - 452 001, Madhya Pradesh

Tel. No.:

91-731- 4017979

Fax No.:

91-731- 4017980

 

 

DIRECTORS

 

AS ON 31.03.2011

 

Name :

Mr. Dinesh Shahra

Designation :

Director

 

 

Name :

Mr. Naveen Gupta

Designation :

Director

 

 

Name :

Mr. Dinesh Khandelwal

Designation :

Director

 

Name :

Mr. Kanta Prasad Mandhana

Designation :

Director

 

 

Name :

Mr. Navamani Murugan

Designation :

Director

 

 

Name :

Mr. Sajeve Deora

Designation :

Director

 

 

Name :

Mr. Mahendra Prasad Sharma

Designation :

Director

Date of Ceasing :

09.09.2010

 

 

Name :

Mr. Navin Khandelwal

Designation :

Director

Date of Ceasing :

09.08.2011

 

 

Name :

Mr. Vijay Kumar Jain

Designation :

Director

Date of Appointment :

10.11.2010

 

 

KEY EXECUTIVES

 

Name :

Mr. Ashish Mehta

Designation :

Secretary

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

AS ON 31.03.2012

 

Names of Shareholders

No. of Shares

Percentage of Holding

(A) Shareholding of promoter and Promoter Group

 

 

1) Indian

 

 

a) Individuals / Hindu Undivided Family

51918581

25.30

b) Bodies corporate

54160274

26.39

2) Foreign

 

 

 

 

 

(B) Public Shareholdings

 

 

1) Institutions

 

 

Foreign Institutional Investors

26550195

12.94

 

 

 

2) Non – Institution

 

 

a) Bodies corporate

62824775

30.61

 

 

 

b) Individuals

 

 

i. Individual Shareholders holding nominal share capital upto Rs.0.100 Million

6814688

3.32

ii. Individual Shareholders holding nominal share capital in excess Rs.0.100 Million

1909481

0.93

 

 

 

c) Any other

 

 

i) Clearing Member

1061946

0.52

 

 

 

Total

205239942

100.00

 

 

 

BUSINESS DETAILS

 

Line of Business :

Manufacture of vegetable oils and fats

 

PRODUCTION STATUS AS ON 31.03.2011

 

Particulars

Unit

 

Installed Capacity

Actual Production

Oils #

MT/PA

 

240000

165274

Vanaspati

MT/PA

 

120000

38136

Textured Soya Proteins

MT/PA

 

15000

--

Soap

MT/PA

 

6000

799

Power Generation (M Wh)

MT/PA

 

10.80

20848371

By Products

MT/PA

 

--

9128

 

 

GENERAL INFORMATION

 

No. of Employees :

Not Available

 

 

Bankers :

·         Axis Bank Limited

·         The Karur Vysya Bank Limited

·         ICICI Bank Limited

·         Corporation Bank

 

 

Facilities :

 

SECURED LOAN

 

Rs. In Millions

31.03.2011

Rs. In Millions

31.03.2010

Term Loan from Karur Vysya Bank Limited

0.000

40.000

2. Corporate Loan from State Bank of India

0.000

55.300

3. Term Loan from State Bank of India

520.742

615.578

4. External Commercial Borrowing from Axis Bank Limited

179.280

362.240

TOTAL

700.022

1073.118

 

NOTE:

1.       Term Loan from Karur Vysya Bank Limited:

The loan is secured by (a) first charge on the movable and immovable fixed assets of the Company at Kakinada Andhra Pradesh and (b) personal guarantee of a Director of the Company. Amount repayable within 1 year Rs. Nil (Previous year Rs.40.000 Millions).

2.       Corporate Loan from State Bank of India :

The loan is secured by (a) Pledge of Equity shares of the Company held by a promoter of the Company (b) personal guarantee of a Director of the Company. Amount Repayable within 1 year Rs. Nil (Previous year Rs.55.300 Millions).

3.       Term Loan from State Bank of India :

The loan is secured (a) exclusive first charge on the fixed assets of the Company created at various locations under the Rural Warehouses and Agri Marketing Infrastructure Facility project of the Company (b) personal guarantee of a Director of the Company. Amount Repayable within 1 year Rs.76.068 Millions (Previous Year Rs.76.068 Millions)

4.       External Commercial Borrowing from Axis Bank Limited. :

The loan is secured by pari passu first charge on the Fixed Assets of Refinery at Kakinada, Andhra Pradesh. Amount Repayable within 1 year Rs.179.280 Millions (Previous Year Rs.181.120 Millions).

 

UNSECURED LOAN

 

Rs. In Millions

31.03.2011

Rs. In Millions

31.03.2010

Short Term Advances

From Banks 

 

1141.648

 

1354.753

Other Loans

Inter Corporate Deposits

Sales Tax Deferment

Foreign Currency Convertible Bonds

 

46.862

191.942

674.401

 

46.862

191.942

717.279

TOTAL

2054.853

2310.836

 

 

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

Ashok Khasgiwala and Company

Chartered Accountant

 

 

Associates:

Ruchi Soya Industries Limited

 

 

Subsidiaries :

·         Peninsular Tankers Private Limited

·         Ruchi Green Energy Private Limited (Formerly RIFL Energy Private Limited)

·         Ruchi Resources Pte. Limited

·         Mangalore Liquid Impex Private Limited

 

 

CAPITAL STRUCTURE

 

AS ON 31.03.2011

 

Authorised Capital :

No. of Shares

Type

Value

Amount

500000000

Equity Shares

Rs.1/- each

Rs.500.000 Millions

20000000

Non Convertible Cumulative Redeemable Preference Shares

Rs.100/- each

Rs.2000.000 Millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

205239942

Equity Shares

Rs.1/- each

Rs.205.2340 Millions

5460613

Non Convertible Cumulative Redeemable Preference Shares

Rs.100/- each

Rs.546.061 Millions

 

 

 

 

 

NOTE:

 

         I.            During the year the Company has allotted 15,80,000 equity shares of Re.1/- each following exercise of conversion option by holders of Foreign Currency Convertible Bonds (Previous Year 6,77,142 Shares of Re.1/- each).

       II.            The Company had allotted 6% Redeemable Cumulative Preference shares as under :

17,33,345 Shares were allotted on March 31, 2006.

37,27,268 Shares were allotted on October 9, 2006.

      III.            The Preference Shares are redeemable as under :

a.       Rs. 33/- to be redeemed after 12 years from date of allotment.

b.       Rs. 33/- to be redeemed after 13 years from date of allotment.

c.       Rs. 34/- to be redeemed after 14 years from date of allotment.

    IV.            The Company at its sole discretion has an option to prematurely redeem the preference shares in full or in part after completion of three years from the date of allotment.


 

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

751.301

749.721

749.044

2] Share Application Money

0.000

0.000

0.000

3] Reserves & Surplus

1572.063

1372.206

1010.269

4] (Accumulated Losses)

0.000

0.000

0.000

NETWORTH

2323.364

2121.927

1759.313

LOAN FUNDS

 

 

 

1] Secured Loans

700.022

1073.118

627.100

2] Unsecured Loans

2054.853

2310.836

2747.602

TOTAL BORROWING

2754.875

3383.954

3374.702

DEFERRED TAX LIABILITIES

49.555

76.013

81.652

 

 

 

 

TOTAL

5127.794

5581.894

5215.667

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

2409.744

2625.138

2223.257

Capital work-in-progress

31.617

44.653

266.266

 

 

 

 

INVESTMENT

1071.624

1043.303

658.574

DEFERREX TAX ASSETS

0.000

0.000

0.000

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

2308.809

1506.449

1048.060

 

Sundry Debtors

1125.706

659.104

995.102

 

Cash & Bank Balances

1350.572

1631.444

1467.500

 

Other Current Assets

0.000

0.000

0.000

 

Loans & Advances

856.304

1043.153

1372.283

Total Current Assets

5641.391

4840.150

4882.945

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Sundry Creditors

3680.348

2645.881

2571.169

 

Other Current Liabilities

81.334

94.695

91.951

 

Provisions

272.892

246.759

176.884

Total Current Liabilities

4034.574

2987.335

2840.004

Net Current Assets

1606.817

1852.815

2042.941

 

 

 

 

MISCELLANEOUS EXPENSES

7.992

15.985

24.629

 

 

 

 

TOTAL

5127.794

5581.894

5215.667

 

 

 

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

31.03.2011

31.03.2010

31.03.2009

 

SALES

 

 

 

 

 

Income

17564.359

14667.520

11732.768

 

 

Other Income

169.655

12.276

5.116

 

 

TOTAL                                     (A)

17734.014

14679.796

11737.884

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Purchases

6050.719

4089.592

2545.977

 

 

Materials

10222.602

9163.441

8337.459

 

 

Expenses

961.269

898.600

750.999

 

 

Increased / (Decreased) In Stock

0.000

0.000

92.357

 

 

TOTAL             (B)

17234.590

14151.633

11726.792

 

 

 

 

 

Less

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

499.424

528.163

11.092

 

 

 

 

 

Less

FINANCIAL EXPENSES                         (D)

0.000

0.000

(43.009)

 

 

 

 

 

 

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

499.424

528.163

54.101

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                     (F)

261.817

239.796

207.577

 

 

 

 

 

 

PRIOR PERIODS ADJUSTMENT

5.475

0.000

0.000

 

 

 

 

 

 

PROFIT BEFORE TAX (E-F)                               (G)

232.132

288.367

(153.476)

 

 

 

 

 

Less

TAX                                                                  (I)

28.750

(57.161)

34.104

 

 

 

 

 

 

PROFIT AFTER TAX (G-I)                                  (J)

203.382

345.528

(119.372)

 

 

 

 

 

Add

PREVIOUS YEARS’ BALANCE BROUGHT FORWARD

229.423

41.288

213.241

 

 

 

 

 

Less

APPROPRIATIONS

 

 

 

 

 

Transfer to General Reserve

100.000

100.000

0.000

 

 

Proposed Dividend – Preference

32.764

32.764

32.763

 

 

Proposed Dividend – Equity

16.419

16.293

12.179

 

 

Tax on Dividend

7.978

8.337

7.638

 

BALANCE CARRIED TO THE B/S

275.644

229.423

41.288

 

 

 

 

 

 

EARNINGS IN FOREIGN CURRENCY

 

 

 

 

 

Export Earnings

318.833

28.314

NA

 

TOTAL EARNINGS

318.833

28.314

NA

 

 

 

 

 

 

IMPORTS

 

 

 

 

 

Raw Materials

5261.400

4553.633

NA

 

 

Stores & Spares

2.744

NA

NA

 

 

Capital Goods

7.321

NA

NA

 

TOTAL IMPORTS

5271.465

4553.633

NA

 

 

 

 

 

 

Earnings Per Share (Rs.)

0.80

1.51

--

 

QUARTERLY

 

PARTICULARS

 

30.06.2011

30.09.2011

31.12.2011

Type

1st Quarter

2nd Quarter

3rd Quarter

 Sales Turnover

9888.400

7099.800

8442.900

 Total Expenditure

9736.600

7283.400

8361.000

 PBIDT (Excl OI)

151.800

(183.600)

81.900

 Other Income

0.200

86.600

54.300

 Operating Profit

152.000

(97.00)

136.200

 Interest

9.800

0.000

0.000

 Exceptional Items

0.000

0.000

0.000

 PBDT

142.200

(97.000)

136.200

 Depreciation

59.000

60.800

75.300

 Profit Before Tax

83.200

(157.800)

60.900

 Tax

23.000

(37.000)

5.400

 Reported PAT

60.200

(120.800)

55.500

Extraordinary Items       

0.000

0.000

0.000

Prior Period Expenses

0.000

0.000

0.000

Other Adjustments

0.000

0.000

0.000

Net Profit

60.200

(120.800)

55.500

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2011

31.03.2010

31.03.2009

PAT / Total Income

(%)

1.15

2.35

(1.02)

 

 

 

 

 

Net Profit Margin

(PBT/Sales)

(%)

1.32

1.97

(1.30)

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

2.88

3.86

(2.16)

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

0.10

0.14

(0.09)

 

 

 

 

 

Debt Equity Ratio

(Total Liability/Networth)

 

2.92

3.00

3.53

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

1.40

1.62

1.72

 

LOCAL AGENCY FURTHER INFORMATION

 

Check List by Info Agents

Available in Report (Yes / No)

1) Year of Establishment

 Yes

2) Locality of the firm

Yes

3) Constitutions of the firm

Yes

4) Premises details

No

5) Type of Business

 Yes

6) Line of Business

Yes

7) Promoter's background

--

8) No. of employees

No

9) Name of person contacted

No

10) Designation of contact person

No

11) Turnover of firm for last three years

No

12) Profitability for last three years

No

13) Reasons for variation <> 20%

 --

14) Estimation for coming financial year

No

15) Capital in the business

Yes

16) Details of sister concerns

Yes

17) Major suppliers

No

18) Major customers

No

19) Payments terms

No

20) Export / Import details (if applicable)

 --

21) Market information

 --

22) Litigations that the firm / promoter involved in

--

23) Banking Details

Yes

24) Banking facility details

Yes

25) Conduct of the banking account

 --

26) Buyer visit details

 --

27) Financials, if provided

Yes

28) Incorporation details, if applicable

Yes

29) Last accounts filed at ROC

Yes

30) Major Shareholders, if available

No

 

OPERATIONS :

 

During the year, the sales and services of the Company have increased to Rs.1,7564.400 Millions from Rs.1,4667.500 Millions in the previous year, recording a growth of over 19%. In view of intense competition and challenging business environment, the Operating Profit has been recorded at Rs.499.400 Millions against Rs.528.200 Millions in previous year.

 

Due to decline in the extraordinary item income in the year under review, the profit after tax is recorded at Rs.203.400 Millions in comparison to Rs.345.500 Millions for the previous year.

 

FUTURE OUTLOOK :

 

The demand for edible oil in India has been stable and growing in line with the higher disposable income. In view of the demand- supply gap, over 53% of the domestic edible oil consumption is met by imports and the share is expected to increase in future. The company is hopeful of utilizing the port based edible oil refining facility at Kakinada, Andhra Pradesh State at a higher level in future.

 

The operations with respect to Agri-Warehouses in Madhya Pradesh have stabilized. In the backdrop of the current economic scenario regarding availability of food and food prices, Food Security Act, Government initiatives for encouraging modern warehousing and anticipated demand for development of back-end for retail, the Company would like to expand the foot-print further and emerge as a leader in the area of storage of various kinds of agri-commodities.

 

The new policies and developments in the market are expected to generate not only higher revenues, but also fixed and long-term demands for storage space and allied services, for which the Company has already established a sound base.

 

The company has been allotted 14,550 sq. mtrs. of land by Kandla Port Trust for construction of Liquid Storage Tanks recently. Keeping in view the demand for Liquid storage at port based areas, The company is looking forward to set up substantial additional storage capacity for liquid cargo in the years to come.

 

SUBSIDIARY COMPANIES :

The Company has complied with the conditions of General Circular No. 2 dated February 8, 2011 issued by the Ministry of Corporate Affairs, Government of India and availed exemption from compliance of Section 212 of the Companies Act, 1956.

 

Hence, the annual accounts of the subsidiary companies, directors and auditors reports thereon, do not form part of the Annual Report of the Company. The Company undertakes to provide annual accounts of the subsidiary companies and the related detailed information toshareholders of the holding and subsidiary companies seeking such information at any point of time. The annual accounts of the subsidiary companies shall also be kept for inspection by any shareholder at the registered office of the holding companyand of the subsidiary companies concerned.

 

MANAGEMENT DISCUSSION AND ANALYSIS REPORT

 

INDUSTRY STRUCTURE AND DEVELOPMENT

 

The Company is primarily engaged in the businesses of storage infrastructure for handling bulk storage of liquid and dry commodities such as edible oils, petroleum products, wheat, soybean and its value added products, cotton, sugar, etc., infrastructure development and refining of edible oils and manufacture of vanaspati.

 

In view of the growing linkages of India with the global economy, and as a consequence of liberalization measures and proactive policies of the government, the volumes of external trade have been showing significant uptrend. The demand for bulk liquid storage handling facilities, more particularly in port based areas, has been rising. The main commodities involved in the sea trade include petroleum products, edible oils and liquid chemicals.

 

Keeping in view the focus of the Indian Government on the rural economy and the farm sector, the demand for storage facilities in rural areas is also increasing. Agricultural marketing has assumed increasing importance in the wake of ushering in second green revolution, improving the living standards of farm families, making India hunger-free and turning poverty into history in the shortest possible time. The new policies for setting up storage infrastructure under PPP mode with long term commitments for use of infrastructure will facilitate development in this sector. In this backdrop the Company would look at setting up silos and modern warehouses in the high demand and growth areas.

 

The domestic edible oil consumption has been steadily growing and is estimated to be over 16 million MT in the current year. While the growth in population and disposable income (due to economic growth) resulting in higher consumption, the supply growth has been primarily lower due to relative stagnancy in the domestic oil seed output. In order to bridge the growing demand- supply gap in edible oil, the volumes of import of edible oil have gone up from 5.4 Million MT (2006-07) to 8.5 Million MT (2010-11) over the last five years. This has improved the capacity utilisation of the port based edible oil refining facilities in the country. The share of palm segment in the import of oil has gone up from 3.6 Million MT (2006-07) to 6.5 Million MT(2010-11) over the last five years due to favorable price dynamics and higher demand of the cost conscious consuming population in the country.

 

INDUSTRY OUTLOOK

 

The existing infrastructure for storage of agricultural commodities has the propensity to scale up in the long run. The long term potential for growth in infrastructure and agriculture sectors is, therefore, promising and the demand for infrastructural requirements is likely to grow in future. The Government is making all measures to maintain growth momentum and to facilitate investments in infrastructure. Rural infrastructure, in particular, has been identified as one of the priority sectors in view of the positive cascading impact that the growth in this sector has on the other sectors of the economy.

 

Based on analysis of the existing Agriculture Marketing System, Policies and Trade Dynamics, there is scope for improving the efficiency through avoidable wastage, value addition, developing alternate markets, segregation of produce according to the quality and increasing quality consciousness amongst the farmers and other stake holders along the value chain. Also, efficient storage and handling facilities will ensure minimal wastage and spillage and improve productivity. This will enable the farming community to improve the realization of the produce and reap the benefits on account of growth and efficiencies.

 

The Indian economic growth is expected to be commodity intensive in future. The food sector, one of the major growth sectors of the Indian economy, is essentially commodity oriented. Edible oil is and will remain an important constituent of dietary plan despite varied eating habits and varied methods of cooking across the different states/regions in the country.

 

The demand for edible oil in India is relatively stable and growing in line with the higher disposable income. Keeping in view the steady average rate of GDP growth (and the consequent Income growth) and the population growth expected in India, it is estimated that the domestic demand for edible oil, will also consequently rise. According to the industry estimates, the consumption of edible oil is expected to increase from the current level of 16 million MT to over 21million MT by the year 2015. Due to lower domestic supply, the import of edible oil will rise to meet the demand-supply gap.

 

BUSINESS STRATEGY

 

The Company believes that infrastructure development especially in the fields of storage facilities for storage and transportation of edible oils, petroleum, liquid bulk chemicals etc., present a huge growth opportunity for the future. The Company has a presence in six ports, strategically located to cater to all major states in India. Further the Company also has storage terminals in five inland locations. The Company has been operating in this field for over and has decade a well established reputation in the industry. Their storage facilities are well connected to the railways to enable long distance supply and the port based facilities are integrated with ports to facilitate transportation by pipelines. They provide comprehensive and competitive supply chain solutions to their customers. They are one of the few companies in the bulk liquid infrastructure industry having operations across India.

 

The food grain output has been increasing and reached a record output of 232 million tonnes in 2010-11. In view of the good monsoon this year, the trend is likely to continue. This increased production coupled with the country’s strategic needs to have higher buffer stocks than before will generate a higher demand for additional warehousing capacities. A large number of warehouses are over-aged and are not in line with the current norms. Their replacement and renovation is the need of the hour. The increase in food prices over the last three years has been phenomenal. The losses on storage at the existing levels translate into much higher financial losses than the earlier years. Maturing of the Negotiable Warehouse Receipt system calls for well designed and properly constructed warehouses, which can be accredited. There is also going to be a significant increase in demand as major suppliers try to improve their supply chain efficiencies to operate in the more competitive environment. All these factors along with the society’s need to take care of feeding more and more people with higher aspirations in terms of not only quantity, but also quality of food provides a bright, emerging scenario for scientific storage in

future. Their strategy is to cater to the business needs and capitalize the opportunities from the emerging business scenario, thereby contributing to society and the country.

 

The state of the art production facility of the Company for refining of edible oils and manufacture of vanaspati is located at Kakinada in Andhra Pradesh. The Company has a significant market share in the states of Andhra Pradesh, Orissa and Chhatisgarh for Edible Oils and Vanaspati. The Company will continue to strengthen itself in areas of sourcing raw materials from points of origin, reducing inefficiencies in supply chain and logistics, and actively engage in the areas of productivity improvement to sustain the growing business needs.

 


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:                                                  s          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.53.64

UK Pound

1

Rs.86.42

Euro

1

Rs.69.28

 

 

INFORMATION DETAILS

 

Report Prepared by :

SDA


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

6

PAID-UP CAPITAL

1~10

5

OPERATING SCALE

1~10

5

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

5

--PROFITABILIRY

1~10

5

--LIQUIDITY

1~10

5

--LEVERAGE

1~10

5

--RESERVES

1~10

5

--CREDIT LINES

1~10

5

--MARGINS

-5~5

--

DEMERIT POINTS

 

 

--BANK CHARGES

YES/NO

NO

--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

NO

--LISTED

YES/NO

NO

--OTHER MERIT FACTORS

YES/NO

YES

TOTAL

 

46

 

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.