MIRA INFORM REPORT

 

 

Report Date :

15.05.2012

 

IDENTIFICATION DETAILS

 

Name :

MEDIA CONTENT AND COMMUNICATIONS SERVICES (INDIA) PRIVATE LIMITED

 

 

Registered Office :

301, 3rd Floor, Boston House, Suren Road, Western Express Highway, Andheri (East), Mumbai – 400093, Maharashtra

 

 

Country :

India

 

 

Financials (as on) :

31.03.2011

 

 

Date of Incorporation :

30.05.2002

 

 

Com. Reg. No.:

11-136072

 

 

Capital Investment / Paid-up Capital :

Rs.2865.300 Millions

 

 

CIN No.:

[Company Identification No.]

U92132MH2002PTC136072

 

 

Legal Form :

Private Limited Liability Company

 

 

Line of Business :

Operates, Manages and Broadcast news channels like Star News, Star Ananda, Star Majha.

 

 

No. of Employees :

Information declined by the management.

 

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba (43)

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

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

Satisfactory

 

Maximum Credit Limit :

USD 1400000

 

 

Status :

Satisfactory

 

 

Payment Behaviour :

Usually Correct

 

 

Litigation :

Unknown

 

 

Comments :

Subject is subsidiary of ABPTV Private Limited, India. It is a well established company having satisfactory track. There appears some accumulated losses recorded by the company. However, fundamental are reported to be strong and healthy. Trade relations are reported as fair. Business is active. Payments are reported to be usually correct and as per commitments.

 

In view of strong promoter, the company can be considered normal for business dealings at usual trade terms and conditions.  

 

NOTES :

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

 

 

INFORMATION DECLINED 777777

 

Management Non Co-Operative

 

LOCATIONS

 

Registered Office :

301, 3rd Floor, Boston House, Suren Road, Western Express Highway, Andheri (East), Mumbai – 400093, Maharashtra, India

Tel. No.:

91-22-66630208/ 66630000

Fax No.:

91-22-66661022/ 66631029

E-Mail :

anuradhab@starnews.co.in

finance@starnews.co.in

ashokv@starnews.co.in

sales@starnews.co.in

vacancies@starnews.co.in

distribution@starnews.co.in    

Website :

www.starnews.com

Location :

Owned

 

 

Branch Office 1 :

A – 37, Sector – 60, Noida – 201307, Uttar Pradesh, India

Tel. No.:

91-120-4070000/ 196

 

 

Branch Office 2 :

13, Jamir Lane, 3rd Floor, Gariahat Mall, Kolkata – 700019, West Bengal, India

Tel. No.:

91-33-44010300

Fax No.:

91-33-44010228

 

 

Branch Office 3 :

Star News Centre, Off Dr. E Moses Road, Mahalaxmi, Mumbai – 400011, Maharashtra, India

Tel. No.:

91-22-66630000

Fax No.:

91-22-66631029

 

 

DIRECTORS

 

As on 19.09.2011

 

Name :

Mr. Aveek Kumar Sarkar

Designation :

Director

Address :

12/4, Ballygunge Park Road, Kolkata – 700019, West Bengal, India

Date of Birth/Age :

09.06.1945

Date of Appointment :

19.09.2003

DIN No.:

00224290

 

 

Name :

Mr. Arup Kumar Sarkar

Designation :

Director

Address :

20, Madan Mohantola Street, Kolkata – 700005, West Bengal, India

Date of Birth/Age :

16.08.1946

Date of Appointment :

19.09.2003

DIN No.:

00200053

 

 

Name :

Mr. Dipankar Das Purkayastha

Designation :

Director

Address :

RC/5, Raghunathpur VI P Road, Kolkata – 700059, West Bengal, India

Date of Birth/Age :

01.09.1947

Date of Appointment :

24.11.2005

DIN No.:

00194147

 

 

Name :

Mr. Avijit Deb

Designation :

Director

Address :

1 Rajendra Deb Road, Bura Bazar, Kolkata – 700007, West Bengal, India

Date of Birth/Age :

01.09.1947

Date of Appointment :

01.09.2005

DIN No.:

00047233

 

 

Name :

Mr. Uday Shankar

Designation :

Director

Address :

Vastu CHS Limited, 3/4th Floor, Flat No. 301, Worli Sea Face, Mumbai – 400018, Maharashtra, India

Date of Birth/Age :

16.09.1961

Date of Appointment :

07.04.2008

DIN No.:

01755963

 

 

KEY EXECUTIVES

 

Name :

Mr. Ashok Venkatramani

Designation :

Chief Executive Officer and Manager 

Address :

A – 62, 6th Floor, Meherina Apartments, 51 C, Napean Sea Road, Mumbai – 400026, Maharashtra, India

Qualification :

BE(Mech), PGDM

Experience : 

25 Years

 

24.03.1964

Date of Appointment :

23.12.2010

PAN No. :

ADXPA6170D

 

 

Name :

Mr. Anupam Kumar Chugh

Designation :

Secretary

Address :

152, Kewal Kunj Appartments, Plot No. 46, Sector – 13, Rohini, Delhi – 110085, India

Date of Appointment :

10.04.2007

PAN No. :

AABPC8344E

 

 

Name :

Shazi Zaman

Designation :

Editor

Qualification :

BA (Hon)

Experience : 

19 Years

Date of Birth/Age :

46 Years

 

 

Name :

Mr. Milind Khandekar

Designation :

Managing Director

Qualification :

PG Dp in Journalism

Experience : 

14 Years

Date of Birth/Age :

40 Years

 

 

Name :

Mr. Subrata Dutta

Designation :

Executive Vice President – Operation   

Qualification :

BE

Experience : 

18 Years

Date of Birth/Age :

43 Years

 

 

Name :

Mr. Neeraj Sanan

Designation :

Executive Vice President – Marketing and Distribution

Qualification :

MBA (IIM)

Experience : 

16 Years

Date of Birth/Age :

40 Years

 

 

Name :

Mr. Avinash Pandey

Designation :

Executive Vice President – Advertising Sales

 

 

Name :

Mr. Satyakki Bhattacharjee

Designation :

Vice President – Human Resources, Legal and Regulatory Affairs

 

 

Name :

Mr. Ashish Jasoria

Designation :

Chief Financial Officer

 

 

Name :

Mr. Joydeb Cbatterjee

Designation :

EVP-Finance

Qualification :

CA,CWA

Experience : 

15

Date of Birth/Age :

43

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

As on 19.09.2011

 

Names of Shareholders (Equity Shares)

No. of Shares

ABP TV Private Limited, India

46250000

Star News Broadcasters Limited, Tortola, British Virgin Island

16250000

Total

62500000

 

Names of Shareholders (Preference Shares)

No. of Shares

ABP TV Private Limited, India

16578220

Star News Broadcasters Limited, Tortola

5824780

Total

22403000

 

 

Equity Share Break up (Percentage of Total Equity)

 

As on 19.09.2011

 

Category

Percentage

Foreign holdings( Foreign institutional investor(s), Foreign companie(s) Foreign financial institution(s), Non-resident Indian(s) or Overseas Corporate bodies or Others

26.00

Bodies corporate

74.00

Total

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Operates, Manages and Broadcast news channels like Star News, Star Ananda, Star Majha.

 

 

GENERAL INFORMATION

 

No. of Employees :

Information declined by the management.

 

 

Bankers :

·         Axis Bank, 7, Shakespeare Sarani, Kolkata – 700071, West Bengal, India

·         ING Vysya Bank Limited, Nariman Point, Mumbai – 400021, Maharashtra, India

 

 

Facilities :

Secured Loan

As on 31.03.2011

(Rs. in Millions)

As on 31.03.2010

(Rs. in Millions)

 

 

 

Rupee Term Loans Banks Secured

(A)109.891

(B)331.191

Other Debt Secured

(C)59.173

(D)8.830

Interest Accrued Due Other Debt Secured

0.000

3.586

Total

169.064

343.607

 

Notes :

(A) (a) Term loans repayable within one year Rs. 109.892 Millions (b) Term loans are secured by a first exclusive charge on all the assets (Movable as well as Immovable) of the company including all programming assets, both present and future current assets of the company including all book debts and stocks.

 

(B) (a) Term loans repayable within one year Rs. 206.400 Millions (b) Term loans are secured by a first exclusive charge on all the assets (Movable as well as Immovable) of the Company including all programming assets, both present and future current assets of the  company including all book debts and stocks.

 

(C) These are the cash credit account. Cash credit is secured by a first exclusive charge on all the assets (Movable as well as Immovable) of the company including all programming assets, both present and future current assets of the company including all book debts and stocks.

 

(D) These are the Cash credit account. Cash credit is secured by a first exclusive charge on all assets (Movable as well as Immovable) of the company including all programming assets, both present and future current assets of the company including all book debts and stocks.

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

Deloitte Haskins and Sells

Chartered Accountants

Address :

7th Floor, Building 10, Tower B, DLF Cyber City Complex, Gurgaon – 122002, Haryana, India

Tel. No.:

91-124-6792000

Fax No.:

91-124-6792012

PAN.:

AABFD2095B

 

 

Holding Company :

ABP TV Private Limited, India

CIN No.: U92113WB2000PTC092157

 

 

Ultimate Holding Company :

ABP Private Limited, India

CIN No.: U22219WB1922PTC004503

 

 

Related Parties:

Star News Broadcasting Limited, Hong Kong

 

 

CAPITAL STRUCTURE

 

As on 19.09.2011

 

Authorised Capital :

No. of Shares

Type

Value

Amount

85000000

Equity Shares

Rs.10/- each

Rs.850.000 Millions

31500000

Preference Shares

Rs.100/- each

Rs.3150.000 Millions

 

 

 

 

 

Total

 

Rs.4000.000 Millions

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

62500000

Equity Shares

Rs.10/- each

Rs.625.000 Millions

22403000

Preference Shares

Rs.100/- each

Rs.2240.300 Millions

 

 

 

 

 

Total

 

Rs.2865.300 Millions

 

Note :

 

Of the above 46,250,000 equity shares of Rs. 10 each and 16,578,220 preference shares of Rs. 100 each are held by ABP TV Private Limited, the holding company. The Ultimate holding company is ABP Private Limited.

 

Of the above 46,250,000 equity shares of Rs. 10 each and 15,188,500 preference shares of Rs. 100 each are held by ABP TV Private Limited, the holding company. The Ultimate holding Company is ABP Private Limited.

 

 

 

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

2865.300

2677.500

2523.450

2] Share Application Money

0.000

187.800

154.050

3] Reserves & Surplus

0.000

0.000

0.000

4] (Accumulated Losses)

(2508.994)

(2603.326)

(2547.568)

NETWORTH

356.306

261.974

129.932

LOAN FUNDS

 

 

 

1] Secured Loans

169.064

343.607

578.383

2] Unsecured Loans

0.000

0.000

0.000

TOTAL BORROWING

169.065

343.607

578.383

DEFERRED TAX LIABILITIES

0.000

0.000

0.000

 

 

 

 

TOTAL

525.370

605.581

708.315

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

302.693

284.013

327.778

Capital work-in-progress (including Capital Advance)

30.918

9.834

31.126

 

 

 

 

INVESTMENT

0.000

0.000

0.000

DEFERREX TAX ASSETS

0.000

0.000

0.000

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

0.081
0.513

0.102

 

Sundry Debtors

639.236
549.571

490.720

 

Cash & Bank Balances

75.337
246.374

260.580

 

Other Current Assets

0.000
0.000

0.000

 

Loans & Advances

221.381
159.851

178.562

Total Current Assets

 936.035
956.309

929.964

Less : CURRENT LIABILITIES & PROVISIONS

 
 

 

 

Sundry Creditors

508.498
478.203

462.703

 

Other Current Liabilities

198.023
137.695

94.474

 

Provisions

37.755
28.677

23.376

Total Current Liabilities

744.276
644.575

580.553

Net Current Assets

191.759
311.734

349.411

 

 

 

 

MISCELLANEOUS EXPENSES

0.000

0.000

0.000

 

 

 

 

TOTAL

525.370

605.581

708.315

 

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

31.03.2011

31.03.2010

31.03.2009

 

SALES

 

 

 

 

 

Income from operations

2288.507

2069.019

1762.286

 

 

Other Income

47.786

62.323

54.765

 

 

TOTAL                                     (A)

2336.293

2131.342

1817.051

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Operating and other Expenses

2147.495

2007.459

2083.568

 

 

TOTAL                                     (B)

2147.495

2007.459

2083.568

 

 

 

 

 

Less

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

188.798

123.883

(266.517)

 

 

 

 

 

Less

INTEREST AND FINANCIAL EXPENSES            (D)

30.293

57.956

65.788

 

 

 

 

 

 

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

158.505

65.927

(332.305)

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                     (F)

64.173

121.685

120.819

 

 

 

 

 

 

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

94.332

(55.758)

(453.124)

 

 

 

 

 

Less

TAX                                                                  (H)

0.000

0.000

7.785

 

 

 

 

 

 

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

94.332

(55.758)

(460.909)

 

 

 

 

 

Add

PREVIOUS YEARS’ BALANCE BROUGHT FORWARD

(2603.326)

(2547.568)

(2086.659)

 

 

 

 

 

 

BALANCE CARRIED TO THE B/S

(2508.994)

(2603.326)

(2547.568)

 

 

 

 

 

 

EARNINGS IN FOREIGN CURRENCY

 

 

 

 

 

Export Earnings

14.795

38.730

33.499

 

TOTAL EARNINGS

14.795

38.730

33.499

 

 

 

 

 

 

Earnings/ (Loss) Per Share (Rs.)

(1.11)

(0.67)

(5.65)

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2011

31.03.2010

31.03.2009

PAT / Total Income

(%)

4.04
(2.62)

(25.37)

 

 

 
 

 

Net Profit Margin

(PBT/Sales)

(%)

4.12
(2.69)

(25.71)

 

 

 
 

 

Return on Total Assets

(PBT/Total Assets}

(%)

7.62
(4.49)

(36.02)

 

 

 
 

 

Return on Investment (ROI)

(PBT/Networth)

 

0.26
(0.21)

(3.48)

 

 

 
 

 

Debt Equity Ratio

(Total Liability/Networth)

 

2.56
3.77

8.92

 

 

 
 

 

Current Ratio

(Current Asset/Current Liability)

 

1.26
1.48

1.60

 

 

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

Yes

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

Yes

12) Profitability for last three years

Yes

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)

No

21) Market information

--

22) Litigations that the firm / promoter

--

23) Banking Details

Yes

24) Banking facility details

Yes

25) Conduct of the banking account

--

26) Buyer visit details

--

27) Financials, if provided

Yes

28) Incorporation details, if applicable

Yes

29) Last accounts filed at ROC

Yes

30) Major Shareholders, if available

Yes

 

 

DETAILS OF SUNDRY CREDITORS

(Rs. In Millions)

PARTICULARS

31.03.2011

31.03.2010

31.03.2009

Sundry Creditors

 

 

 

--Micro and small enterprises

0.000

0.000

0.000

--Others

508.498

478.203

462.703

Total

508.498

517.527

462.703

 

 

PERFORMANCE:

 

During the financial year 2010-11, Company’s total revenue from operations has been Rs. 2288.500 Millions compared to Rs. 2069.000 Millions last year, an increase of 11%. EBITDA has been Rs.192.400 Millions as against Rs.132.100 Millions last year, a growth of 46%. Profit before tax has been Rs. 90.200 Millions as compared to Rs.(55.700) Millions last year, registering a growth of 269% over the last year. Profit after tax has been Rs. 94.200 Millions compared to Rs. (55.700) Millions last year, registering a growth of 269% over the last year.

 

The Company, thus, has been able to achieve growth successfully due to the following key reasons:

 

General elections, some key state elections ( Assam, West Bengal, Kerala and Pondicherry ) and two budgets in a year helped drive news consumption in a big way. MCCS was able to capitalize on these opportunities through specially created content and was able to price them aggressively and sell in the market.

 

With strong thrust on cutting costs and unimportant expenses, they were able to bring down our overall operating expenses compared to the previous year

 

Continued growth on the regional channels

 

Excellent performance on new revenue streams of events / special properties, which helped us improve the overall margins

 

They launched new websites for all our channels and also built capability on new media- sms, mobile value added services, sms shortcode which helped us to provide better customized solutions to our key client brands

 

Revenue

 

Star News

 

MCCS continued its growth run when most of the Media organizations were struggling to achieve their target. This became more commendable after realizing the fact that Star News held a no. 3 position in terms of news viewership after Aaj Tak and India TV. This was mainly possible  through Combo selling in order to capitalize on inventory. ‘Event and special properties’ supported the revenues with first of its kind property – STAR Anchor Hunt

 

Star Ananda

 

Star Ananda delivered a significant growth while maintaining No. 2 position in terms of viewership rating. Zee 24 Ghanta proved a strong threat through its leadership position in terms of viewership, though its advertising rates were less than half that of STAR Ananda. Inventory utilization on STAR Ananda peaked in 2010-11 and combo selling at an attractive price also helped Ananda to capitalize its inventory. Events proved a major supporting stream- with revenues on properties like Shera Bengali and Durga Puja increasing manifold.

 

Star Majha

 

FY 10-11 proved yet another year of being No.1 for Star Majha, both in terms of News viewership as well as Revenue share. With the help of combo selling Majha utilized its inventory successfully. Star Majha registered a healthy revenue growth.

 

Syndication Revenues

 

The channel has continued to earn its normal fixed-fee Syndication revenue on the news feed sent out of India through the STAR system, though it was heartening to note that with the channel gaining in popularity not only in India but also outside, STAR added several countries to the list of places where STAR News became visible to Indians resident in such places.

 

Outlook for 2010-11

 

2010-11 was a year of post recession recovery for the news industry as advertisers grew cautious and started demanding greater value. However, they were not too successful in taking the price tables up, largely because the new genre itself was under severe pressure for viewership, from the heightened level of activity in the entertainment and sports genres. The key challenges for 2011-12 would be our ability to take up the prices, to grow the genre viewership and to take up the performance of Star news as the inventory utilization is optimum and any future growth, cannot come from volume increase.

 

The broadcasting industry is expected to grow at 13%and MCCS has targeted an above industry growth to ensure that the Company grows faster than the market. The key legs of MCCS’ strategy on revenue and profitability are -

 

Leveraging on the success of events / special projects as a revenue stream as it helps improve margin and prices, while providing customized activation platform for client brands

 

Continue to manage costs tightly to ensure that they maintain the advantage.

 

Driving viewership share through a well thought out relaunch activity for star News. This would be based on a new editorial strategy which would ensure that they stick to strong mainstream news and take a high ground on news coverage in an endeavor to achieve the leadership position in the Hindi News Genre. This activity would be amply supported by marketing initiative to reposition the brand

 

Maintain the ratings leadership on regional channels, while driving market building activities

 

It is expected that the implementation of the above strategies will help in achieving the desired objectives

 

CONTINGENT LIABILITY (As on 31.03.2011)

 

a. Estimated amount of contracts to executed on capital account Rs. 3.478 Million (Previous year Rs. 0.185 Millions).

 

b. The Company has purchased fixed assets under the ‘Export Promotion Capital Goods Scheme’. As per the terms of the license granted under the scheme, the Company had undertaken to achieve an export commitment of Rs. 957.297 Millions (Previous year Rs. 957.297 Millions) over a period of 9 years, which expires on 23 October, 2011 and would have been liable to pay customs duty of Rs. 107.437 Millions (Previous year Rs. 107.437 Millions) and interest on the same at the rate of 15 per cent compounded annually in the event of non fulfillment of the export obligations.

 

The Company has fulfilled its export obligations of Rs. 808.499 Millions (Previous year Rs. 801.857 Millions) till 31 March, 2011, the balance export obligation being Rs 148.798 Millions (Previous year Rs 155.550 Millions). The Company is yet to make an application to the Director General of Foreign Trade for issuance of the export obligation discharge certificates (EODC).

 

FIXED ASSETS

 

·         Leasehold Improvements

·         Plant and Machinery

·         Computers

·         Office Equipment

·         Furniture and Fixtures

·         Software

 


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.53.71

UK Pound

1

Rs.86.34

Euro

1

Rs.69.23

 

 

INFORMATION DETAILS

 

Information Gathered by :

PDT

 

 

Report Prepared by :

BSN


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

5

PAID-UP CAPITAL

1~10

6

OPERATING SCALE

1~10

6

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

5

--PROFITABILIRY

1~10

4

--LIQUIDITY

1~10

5

--LEVERAGE

1~10

5

--RESERVES

1~10

3

--CREDIT LINES

1~10

4

--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

 

43

 

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

-

 

 

 

 

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This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.