MIRA INFORM REPORT

 

 

 

Report Date :

20.11.2012

 

IDENTIFICATION DETAILS

 

Name :

MAHINDRA SPECIAL SERVICES GROUP (A DIVISION OF MAHINDRA DEFENCE SYSTEMS LIMITED)

 

 

Formerly Known As :

MAHINDRA DEFENCE SYSTEMS LIMITED

 

 

Registered Office :

Mahindra Towers, P K Kurne Chowk, Dr. G M Bhosale Marg, Worli, Mumbai-400018, Maharashtra

 

 

Country :

India

 

 

Date of Incorporation :

30.07.2012

 

 

Com. Reg. No.:

11-233889

 

 

Capital Investment / Paid-up Capital :

Rs. 88.604 Millions 

 

 

CIN No.:

[Company Identification No.]

U75220MH2012PLC233889

 

 

PAN No.:

[Permanent Account No.]

AAICM0849A

 

 

Legal Form :

A Closely Held Public Limited Liability Company

 

 

Line of Business :

Subject is providing consultancy services

 

 

No. of Employees :

127 (Approximately) [100 In Office and 27 In Branch]

 

 

RATING & COMMENTS

 

MIRA’s Rating :

NB

 

RATING

STATUS

PROPOSED CREDIT LINE

-

NB

                                       New Business

-

 

 

Status :

New Company

 

 

Payment Behaviour :

Unknown

 

 

Litigation :

Clear

 

 

Comments :

Subject is a part of Mahindra Group.

 

It is a new company and yet to established itself. Gradually. Mr. Sameer Saxena academy department denied to part any information. Payments are unknown.

 

The company can be considered for business dealings on a safe and secured 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 – June 30, 2012

 

Country Name

Previous Rating

(31.03.2012)

Current Rating

(30.06.2012)

India

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

INDIAN ECONOMIC OVERVIEW

 

India is developing into an open-market economy, yet traces of its past autarkic policies remain. Economic liberalization, including industrial deregulation, privatization of state-owned enterprises, and reduced controls on foreign trade and investment, began in the early 1990s and has served to accelerate the country's growth, which has averaged more than 7% per year since 1997. India's diverse economy encompasses traditional village farming, modern agriculture, handicrafts, a wide range of modern industries, and a multitude of services. Slightly more than half of the work force is in agriculture, but services are the major source of economic growth, accounting for more than half of India's output, with only one-third of its labor force. India has capitalized on its large educated English-speaking population to become a major exporter of information technology services and software workers. In 2010, the Indian economy rebounded robustly from the global financial crisis - in large part because of strong domestic demand - and growth exceeded 8% year-on-year in real terms. However, India's economic growth in 2011 slowed because of persistently high inflation and interest rates and little progress on economic reforms. High international crude prices have exacerbated the government's fuel subsidy expenditures contributing to a higher fiscal deficit, and a worsening current account deficit. Little economic reform took place in 2011 largely due to corruption scandals that have slowed legislative work. India's medium-term growth outlook is positive due to a young population and corresponding low dependency ratio, healthy savings and investment rates, and increasing integration into the global economy. India has many long-term challenges that it has not yet fully addressed, including widespread poverty, inadequate physical and social infrastructure, limited non-agricultural employment opportunities, scarce access to quality basic and higher education, and accommodating rural-to-urban migration.

Source : CIA

 

 

RBI DEFAULTERS’ LIST STATUS

 

Subject’s name is not enlisted as a defaulter in the publicly available RBI Defaulters’ list.

 

 

EPF (Employee Provident Fund) DEFAULTERS’ LIST STATUS

 

Subject’s name is not enlisted as a defaulter in the publicly available EPF (Employee Provident Fund) Defaulters’ list as of 31-03-2012.

 

 

INFORMATION DECLINED BY

 

Name :

Mr. Hemant Mistry

Designation :

Head – Finance and Accounts

Contact No.:

91-9819183560

 

LOCATIONS

 

Registered Office :

Mahindra Towers, P K Kurne Chowk, Dr. G M Bhosale Marg, Worli, Mumbai-400018, Maharashtra

Tel. No.:

Not Available

Mobile No.:

91-9920084396 (Mr. Sameer Saxena)

Fax No.:

Not Available

E-Mail :

Parte.rajesh@mahindra.com

Website :

www.mahindrassg.com

 

 

Mumbai Head Office :

5th Floor, Times Square, Western Express Highway, Andheri (East), Mumbai-4000069, Maharashtra, India

Tel. No.:

91-22-40903200/40903232

E-Mail :

hemant.mistry@mahindrassq.com

Website :

http://mahindrassq.com

Area :

4000 Sq. ft.

Location :

Rented

 

 

DIRECTORS

 

Name :

Mr. Parthasarathy Vankipuram Srinivasa

Designation :

Director

Address :

502, Plot No.1, Mayfair Bliss, Lena Cottage Co-operative Housing Society, 7th Road, Near Tata Motors, Khar (West), Mumbai-400052, Maharashtra, India

Date of Birth/Age :

01.11.1962

Date of Appointment :

30.07.2012

DIN No.:

00125299

 

Other Directorship:

 

S.No.

CIN/LLPIN

Name of the Company/ LLP

Current designation of the Director/ Designated Partner

Date of appointment at current designation

Original date of appointment

Date of cessation

Company/ LLP Status

Defaulting status

1

U01110MH2000PLC128757

MEGA ONE STOP FARM SERVICES LIMITED

Director

18/09/2000

18/09/2000

30/06/2011

Active

NO

2

U52397MH2000PLC129103

MRIYALGUDA FARM SOLUTION LIMITED

Director

11/10/2000

11/10/2000

30/06/2011

Active

NO

3

L29211PB1970PLC002942

PUNJAB TRACTORS LIMITED

Director

07/07/2008

23/10/2007

-

Amalgamated

NO

4

L45202PB1974PLC003516

SWARAJ AUTOMOTIVES LIMITED

Director

07/07/2008

22/01/2008

-

Active

NO

5

L50210PB1985PLC006473

SWARAJ ENGINES LIMITED

Director

07/07/2008

22/01/2008

-

Active

NO

6

U72200MH2000PTC173332

PLEXION TECHNOLOGIES (INDIA) PRIVATE LIMITED

Additional director

29/01/2008

29/01/2008

-

Amalgamated

NO

7

U72400MH1995PLC091404

MAHINDRA ENGINEERING SERVICES LIMITED

Director

23/07/2008

29/01/2008

-

Active

NO

8

U30001MH1999PLC119360

MAHINDRA LOGISOFT BUSINESS SOLUTIONS LIMITED

Director

05/09/2008

24/03/2008

16/10/2009

Active

NO

9

U63033MH2008PTC179520

MAHINDRA AEROSPACE PRIVATE LIMITED

Director

26/09/2008

26/03/2008

-

Active

NO

10

U29296MH2010PTC198303

MAHINDRA ECONOVA PRIVATE LIMITED

Director

27/06/2011

02/01/2010

-

Active

NO

11

U29268MH2009PTC190702

DEFENCE LAND SYSTEMS INDIA PRIVATE LIMITED

Director

25/07/2011

27/04/2010

-

Active

NO

12

U34101KA1996PTC020195

MAHINDRA REVA ELECTRIC VEHICLES PRIVATE LIMITED

Director

17/09/2010

26/05/2010

-

Active

NO

13

U74999MH2011PTC212468

MAHINDRA BPO SERVICES PRIVATE LIMITED

Director

18/01/2011

18/01/2011

-

Active

NO

14

U75220MH2012PLC233889

MAHINDRA DEFENCE SYSTEMS LIMITED

Director

30/07/2012

30/07/2012

-

Active

NO

 

 

Name :

Mr. Khutub Abdul Hai

Designation :

Director

Address :

10, Nizamuddin East, 1st Floor, New Delhi-110013, India

Date of Birth/Age :

06.03.1946

Date of Appointment :

30.07.2012

DIN No.:

02428253

 

Other Directorship:

 

S.No.

CIN/LLPIN

Name of the Company/ LLP

Current designation of the Director/ Designated Partner

Date of appointment at current designation

Original date of appointment

Company/ LLP Status

Defaulting status

1

U29268MH2009PTC190702

DEFENCE LAND SYSTEMS INDIA PRIVATE LIMITED

Director

26/04/2012

04/03/2009

Active

NO

2

U75144MH2012PTC231267

MAHINDRA DEFENCE NAVAL SYSTEMS PRIVATE LIMITED

Director

18/05/2012

18/05/2012

Active

NO

3

U75220MH2012PLC233889

MAHINDRA DEFENCE SYSTEMS LIMITED

Director

30/07/2012

30/07/2012

Active

NO

 

 

Name :

Mr. Zhooben Dosabhoy Bhiwandiwala

Designation :

Director

Address :

S-13, Cusrow Baug, Shahid Bhagat Singh Road, Colaba, Mumbai-400039, Maharashtra, India

Date of Birth/Age :

09.12.1959

Date of Appointment :

30.07.2012

DIN No.:

00110373

 

Other Directorship:

 

S.No.

CIN/LLPIN

Name of the Company/ LLP

Current designation of the Director/ Designated Partner

Date of appointment at current designation

Original date of appointment

Date of cessation

Company/ LLP Status

Defaulting status

1

U51900MH1988PTC046152

ALBERTVILLE EXPORTS PRIVATE LIMITED

Director

08/02/1988

08/02/1988

-

Dormant

NO

2

U22120MH1948PTC009314

THE INDIAN AND EASTERN ENGINEER COMPANY PRIVATE LIMITED

Additional director

10/08/2009

20/01/1992

-

Active

NO

3

U74140MH1992PLC066606

MAHINDRA AND MAHINDRA CONTECH LIMITED

Director

22/02/1993

22/02/1993

27/05/2008

Active

NO

4

U74140MH1982PTC026770

PRUDENTIAL MANAGEMENT AND SERVICES PRIVATE LIMITED

Director

12/01/1998

12/01/1998

05/05/2010

Active

NO

5

U51900MH1978PLC020222

MAHINDRA INTERTRADE LIMITED

Director

17/02/2000

17/02/2000

-

Active

NO

6

U74999MH1999PTC121254

MW COM (INDIA)PRIVATE LIMITED

Director

06/10/2003

06/10/2003

29/03/2010

Active

NO

7

U30007MH1991PLC064368

BRISTLECONE INDIA LIMITED

Director

05/08/2004

05/08/2004

05/06/2008

Active

NO

8

L27100MH1999PLC121285

MAHINDRA FORGINGS LIMITED

Director

19/05/2006

28/04/2006

-

Active

NO

9

U18101MH1995PLC095482

NBS INTERNATIONAL LIMITED

Director

28/09/2007

15/11/2006

29/10/2008

Active

NO

10

U67120MH2007PLC168985

MAHINDRA STOKES HOLDING COMPANY LIMITED

Director

24/09/2007

21/03/2007

-

Amalgamated

NO

11

U74999MH1954PLC019908

MAHINDRA ENGINEERING AND CHEMICAL PRODUCTS LIMITED

Director

25/09/2008

27/08/2007

19/07/2012

Active

NO

12

U52190MH2007PTC173762

MAHINDRA RETAIL PRIVATE LIMITED

Director

20/08/2008

03/09/2007

-

Active

NO

13

U74999MH1995PLC093447

TECPRO ASHTECH LIMITED

Additional director

05/11/2007

05/11/2007

05/01/2008

Amalgamated

NO

14

U29130MH2004PTC168150

MAHINDRA GEARS AND TRANSMISSIONS PRIVATE LIMITED

Director

22/07/2008

24/12/2007

-

Active

NO

15

U27100MH2007PLC173636

MAHINDRA HINODAY INDUSTRIES LIMITED

Director

25/07/2008

22/01/2008

-

Active

NO

16

U29299MH1963PLC019745

MAHINDRA HINODAY INDUSTRIES LIMITED

Director

06/05/2008

22/01/2008

-

Amalgamated

NO

17

U63032MH2008PTC186581

MAHINDRA OCEAN BLUE MARINE PRIVATE LIMITED

Director

25/09/2009

09/09/2008

-

Active

NO

18

U67110MH2008PLC188837

RETAIL INITIATIVE HOLDINGS LIMITED

Director

11/12/2009

11/12/2008

16/08/2011

Active

NO

19

U35911MH2008PLC185462

MAHINDRA TWO WHEELERS LIMITED

Director

12/08/2009

12/12/2008

-

Active

NO

20

U73100MH1995PTC124707

OWENS-CORNING (INDIA) PRIVATE LIMITED

Director

26/09/2009

01/04/2009

24/11/2010

Active

NO

21

U63000MH2007PLC173466

MAHINDRA LOGISTICS LIMITED

Director

11/08/2009

28/04/2009

-

Active

NO

22

U29268MH2009PTC190702

DEFENCE LAND SYSTEMS INDIA PRIVATE LIMITED

Director

26/04/2010

29/04/2009

27/04/2010

Active

NO

23

U27100MH2009PTC193205

MAHINDRA ELECTRICAL STEEL PRIVATE LIMITED

Director

29/09/2010

10/06/2009

-

Active

NO

24

U92190MH2008PLC178894

MUMBAI MANTRA MEDIA LIMITED

Director

30/09/2010

29/03/2010

-

Active

NO

25

U27100MH1993PLC070416

MAHINDRA STEEL SERVICE CENTRE LIMITED

Director

22/07/2010

29/04/2010

-

Active

NO

26

U65993MH2007PLC175649

MAHINDRA HOLDINGS LIMITED

Director

29/08/2011

18/07/2011

-

Active

NO

27

U55100DL2011PTC222498

EKATRA HOSPITALITY VENTURES PRIVATE LIMITED

Director

18/07/2011

18/07/2011

-

Active

NO

28

U74899DL1989PLC038453

M. A. R. K. HOTELS LIMITED

Director

30/09/2011

30/09/2011

-

Active

NO

29

U75144MH2012PTC231267

MAHINDRA DEFENCE NAVAL SYSTEMS PRIVATE LIMITED

Director

18/05/2012

18/05/2012

-

Active

NO

30

U75220MH2012PLC233889

MAHINDRA DEFENCE SYSTEMS LIMITED

Director

30/07/2012

30/07/2012

-

Active

NO

 

 

KEY EXECUTIVES

 

Name :

Mr. Hemant Mistry

Designation :

Head – Finance and Accounts

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

AS ON 19.07.2012

 

Names of Shareholders

No. of Shares

Mahindra and Mahindra Limited, India

49994

Narayan Shankar

1

K Chandrasekar

1

V S Parthasarathy

1

Durgashankar Subramaniam

1

Rajeev B Dubay

1

Zhooben Dosabhoy Bhiwandiwala

1

TOTAL

50000

 

 

BUSINESS DETAILS

 

Customers :

Corporate Companies

 

 

Line of Business :

Subject is providing consultancy services

 

 

Terms :

 

Selling :

Credit (30 days)

 

 

Purchasing :

Credit (30 days)

 

 

GENERAL INFORMATION

 

No. of Employees :

127 (Approximately) [100 In Office and 27 In Branch]

 

 

Bankers :

HDFC Bank Limited, Novaris House, Annie Besant Road, Worli, Mumbai – 400018, Maharashtra, India

 

Banking Relations :

--

 

 

Auditors :

Not Available 

 

 

CAPITAL STRUCTURE

 

Authorised Capital :

 

No. of Shares

Type

Value

Amount

 

 

 

 

50000

Equity Shares

Rs.10/- each

Rs. 0.500 Million

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

 

No. of Shares

Type

Value

Amount

 

 

 

 

50000

Equity Shares

Rs.10/- each

Rs. 0.500 Million

 

 

 

 

 

FINANCIAL DATA

[all figures are in Rupees Millions]

 

New Company

 

 

LOCAL AGENCY FURTHER INFORMATION

 

Sr. No.

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

Yes

5]

Type of Business

Yes

6]

Line of Business

Yes

7]

Promoter's background

Yes

8]

No. of employees

Yes

9]

Name of person contacted

Yes

10]

Designation of contact person

Yes

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

No

17]

Major suppliers

No

18]

Major customers

No

19]

Payments terms

Yes

20]

Export / Import details (if applicable)

No

21]

Market information

-----

22]

Litigations that the firm / promoter involved in

-----

23]

Banking Details

Yes

24]

Banking facility details

No

25]

Conduct of the banking account

-----

26]

Buyer visit details

-----

27]

Financials, if provided

No

28]

Incorporation details, if applicable

Yes

29]

Last accounts filed at ROC

No

30]

Major Shareholders, if available

Yes

31]

Date of Birth of Proprietor/Partner/Director, if available

Yes

32]

PAN of Proprietor/Partner/Director, if available

No

33]

Voter ID No of Proprietor/Partner/Director, if available

No

34]

External Agency Rating, if available

No

 

 

MAHINDRA AND MAHINDRA LIMITED (SSG DIVISION)

 

ABRIDGED BALANCE SHEET

 

SOURCES OF FUNDS

 

 

 

31.03.2012

SHAREHOLDERS FUNDS

 

 

 

1] Share Capital

 

 

88.604

2] Share Application Money

 

 

0.000

3] Reserves & Surplus

 

 

0.859

4] (Accumulated Losses)

 

 

0.000

NETWORTH

 

 

89.463

LOAN FUNDS

 

 

 

1] Secured Loans

 

 

0.000

2] Unsecured Loans

 

 

0.000

TOTAL BORROWING

 

 

0.000

DEFERRED TAX LIABILITIES

 

 

0.000

 

 

 

 

TOTAL

 

 

89.463

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

 

 

13.469

Capital work-in-progress

 

 

0.000

 

 

 

 

INVESTMENT

 

 

0.000

DEFERREX TAX ASSETS

 

 

0.000

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

 

 

0.000

 

Sundry Debtors

 

 

32.164

 

Cash & Bank Balances

 

 

30.824

 

Other Current Assets

 

 

28.452

 

Loans & Advances

 

 

9.102

Total Current Assets

 

 

100.542

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Sundry Creditors

 

 

5.110

 

Other Current Liabilities

 

 

3.349

 

Provisions

 

 

16.089

Total Current Liabilities

 

 

24.548

Net Current Assets

 

 

75.994

 

 

 

 

MISCELLANEOUS EXPENSES

 

 

0.000

 

 

 

 

TOTAL

 

 

89.463

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

 

 

31.03.2012

 

SALES

 

 

 

 

 

Income

 

 

135.883

 

 

Other Income

 

 

0.263

 

 

TOTAL                                     (A)

 

 

136.146

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Direct Personnel Cost

 

 

69.832

 

 

Direct Travel Cost

 

 

6.984

 

 

Sub Contracting Cost

 

 

2.527

 

 

Indirect Personnel Cost

 

 

30.307

 

 

Infrastructure Cost

 

 

5.487

 

 

Recruitment Cost

 

 

1.275

 

 

Other Expenses

 

 

16.485

 

 

TOTAL                                    

 

 

132.897

 

 

 

 

 

Less

PROFIT BEFORE INTEREST, TAX, DEPRECIATION AND AMORTISATION

 

 

3.249

 

 

 

 

0.000

Less

FINANCIAL EXPENSES            

 

 

 

 

 

 

 

 

 

PROFIT BEFORE TAX, DEPRECIATION AND AMORTISATION                                  

 

 

3.249

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION        

 

 

2.390

 

 

 

 

 

 

PROFIT BEFORE TAX

 

 

0.859

 

 

 

 

 

Less

TAX                                                                 

 

 

0.000

 

 

 

 

 

 

PROFIT AFTER TAX                            

 

 

0.859

 

 

KEY RATIOS

 

PARTICULARS

 

 

 

 

31.03.2012

PAT / Total Income

(%)

 

 

0.63

 

 

 

 

 

Net Profit Margin

(PBT/Sales)

(%)

 

 

0.63

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

 

 

0.75

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

 

 

0.01

 

 

 

 

 

Debt Equity Ratio

(Total Liability/Networth)

 

 

 

0.27

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

 

 

4.09

 


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 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. 54.97

UK Pound

1

Rs. 87.50

Euro

1

Rs. 70.16

 

 

INFORMATION DETAILS

 

Information Gathered by :

SVA

 

 

Report Prepared by :

UDS


 

 

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.