MIRA INFORM REPORT

 

 

Report Date :

08.10.2012

 

IDENTIFICATION DETAILS

 

Name :

NHAVA SHEVA INTERNATIONAL CONTAINER TERMINAL PRIVATE LIMITED

 

 

Registered Office :

Darabshaw House, Level 1, Narottam Morarji Road, Ballard Estate, Mumbai – 400038, Maharashtra

 

 

Country :

India

 

 

Financials (as on) :

31.03.2011

 

 

Date of Incorporation :

21.03.1997

 

 

Com. Reg. No.:

11-106790

 

 

Capital Investment / Paid-up Capital :

Rs.1781.559 Millions

 

 

CIN No.:

[Company Identification No.]

U45203MH1997PTC106790

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

MUMN05939D

 

 

PAN No.:

[Permanent Account No.]

AABCN0185H

 

 

Legal Form :

Private Limited Liability Company

 

 

Line of Business :

Subject is engaged in the business of developing, operating, marketing and managing container handling and unit loading/ unloading facilities at Jawaharlal Nehru Port.

 

 

No. of Employees :

Information declined by the management

 

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba (53)

 

RATING

STATUS

PROPOSED CREDIT LINE

 

41-55

Ba

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

Satisfactory

 

 

Maximum Credit Limit :

USD 17500000

 

 

Status :

Good

 

 

Payment Behaviour :

Regular

 

 

Litigation :

Clear

 

 

Comments :

Subject is a well established company having fine track. There appears some dip in the profitability of the company. However, general financial position of the company is satisfactory. Trade relations are reported as fair. Business is active. Payments are reported to be regular 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.

 

 

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

 

 

EXTERNAL AGENCY RATING

 

Rating Agency Name

ICRA

Rating

A1+ (Short Term: Non fund based limit) 

Rating Explanation

The highest credit quality assigned by ICRA, it carry lowest credit risk. Rating A1+ reflect their relatively stronger credit quality. 

Date

16.05.2012

 

 

Rating Agency Name

ICRA

Rating

A (Long Term Loan)

Rating Explanation

The adequate credit quality rating assigned by ICRA. The rated instrument carries average credit risk.

Date

16.05.2012

 

 

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. Murtuza

Designation :

Accountant

Contact No.:

91-22-22610566

Date :

03.10.2012

 

 

LOCATIONS

 

Registered Office :

Darabshaw House, Level 1, Narottam Morarji Road, Ballard Estate, Mumbai – 400038, Maharashtra, India

Tel. No.:

91-22-22610570/ 22610566

Fax No.:

91-22-22621405

E-Mail :

aparna.chablani@dpworld.com

alpesh.sharma@dpworld.com

 

 

DIRECTORS

 

(AS ON 02.07.2012)

 

Name :

Mr. Anil Satdev Singh

Designation :

Chairman cum Managing Director

Address :

Flat No.6, 5th Floor, Hill Park AG Bell Road, Malabar Hill, Mumbai – 400006, Maharashtra India

Date of Birth/Age :

12.12.1954

Date of Appointment :

15.12.2009

DIN No.:

02728638

 

 

Name :

Mr. Kevin James D Souza

Designation :

Director

Address :

1/3, Chokshi Mansion, Dr. B. Ambedkar Road, Parel, Mumbai – 400012, Maharashtra, India

Date of Birth/Age :

21.08.1960

Date of Appointment :

30.04.2008

DIN No.:

00175176

 

 

Name :

Mr. Devang Bhupendra Mankodi

Designation :

Director

Address :

7 Darpan Bhagat Singh Road, Juhu Vileparle, Juhu Vileparle (West), Mumbai – 400056, Maharashtra, India

Date of Birth/Age :

08.09.1968

Date of Appointment :

30.04.2008

DIN No.:

00139006

Voter ID No.:

MT/08/038/0405730

 

 

Name :

Mr. Anil Rajan Wats

Designation :

Director

Address :

Villa # 76 Street # 25C UMM Suqeim 1, United Arab Emirates, Dubai 1

Date of Birth/Age :

13.04.1957

Date of Appointment :

30.04.2008

DIN No.:

00888308

 

 

Name :

Mr. Ennarasu Karunesan

Designation :

Director

Address :

Block 1, 88 Rani Meyyammai Towers, MRC Nagar RA Puram, Chennai – 600028, Tamilnadu, India

Date of Birth/Age :

27.07.1966

Date of Appointment :

22.07.2009

DIN No.:

0020432

 

 

Name :

Mr. Alpesh Abhay Sharma

Designation :

Director

Address :

401, Kohinoor-1, Opposite Millat Nagar, Oshiwara, Andheri (West), Mumbai  - 400053, Maharashtra, India

Date of Birth/Age :

30.05.1969

Date of Appointment :

20.09.2011

DIN No.:

03573036

 

 

KEY EXECUTIVES

 

Name :

Mr. Aparna Nakul Chablani

Designation :

Company Secretary

Address :

Plot No.10, 18-A, Khar – Danda, Khar (West), Mumbai – 400052, Maharashtra, India

Date of Birth/Age :

31.03.1968

Date of Appointment :

14.10.1999

DIN No.:

AADPJ2412J

 

 

Name :

Mr. Alpesh Sharma

Designation :

Chief Executive Officer

Email :

alpesh.sharma@dpworld.com

 

 

Name :

Mr. Daraius Dadachanji

Designation :

Chief Operating Officer

Email :

daraius.dadachanji@dpworld.com

 

 

Name :

Mr. Nazban Mehta

Designation :

General Manager - Operations

Email :

Nazban.Mehta@dpworld.com

 

 

Name :

Mr. Rahul Acharekar

Designation :

Manager – Customer Relations and Marketing

Email :

rahul.acharekar@dpworld.com

 

 

Name :

Mr. Sanjay Chitale

Designation :

General Manager - Information Technology

Email :

Sanjay.Chitale@dpworld.com

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

(AS ON 02.07.2012)

 

Names of Shareholders

 

 

No. of Shares

 

 

 

South Asia Ports Limited, Mauritius

 

163910916

Anil Satdev Singh

 

8

 

 

 

Total

 

 

163910924

 

 

(AS ON 30.09.2012)

Equity Shares Break – up

 

Category

 

Percentage

 

 

 

Foreign holdings [Foreign institutional investors, Foreign Companies, Foreign Financial Institutions, Non-resident Indian or Overseas corporate bodies or others]

 

100.00

 

 

 

Total

 

 

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Subject is engaged in the business of developing, operating, marketing and managing container handling and unit loading/ unloading facilities at Jawaharlal Nehru Port.

 

 

GENERAL INFORMATION

 

No. of Employees :

Information declined by the management

 

 

Bankers :

Not Available

 

 

Facilities :

Secured Loans

31.03.2011

31.03.2010

 

 

(Rs. In Millions)

 

 

 

Rupee Term Loans Financial Institutions Secured

1800.000

975.000

 

 

 

Total

 

1800.000

975.000

 

 

Unsecured Loans

31.03.2011

31.03.2010

 

 

(Rs. In Millions)

 

 

 

Foreign Currency Loan Unsecured

0.000

589.303

Working Capital Loans Banks Unsecured

12.344

0.000

 

 

 

Total

 

12.344

589.303

 

 

 

Banking Relations :

--

 

 

 

 

Financial Institution :

·         Infrastructure Development Finance Company Limited

KRM Tower, 8th Floor, No. 1, Harrington Road, Chetpet, Chennai - 600031, Tamil Nadu, India

 

·         Infrastructure Development Finance Company Limited

ITC Centre, 3rd Floor, 760, Anna Salai, Chennai – 600002, Tamilnadu, India

 

 

Auditors :

 

Name :

BSR and Company

Chartered Accountant

Address :

Lodha Excelus, 1st Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai - 400 011,  Maharashtra, India

PAN No.:

AAIFB0630K

 

 

Holding Company :

·         South Asia Ports Limited, Mauritius

 

 

CAPITAL STRUCTURE

 

(AS ON 02.07.2012)

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

300000000

Equity Share

Rs.10/- each

Rs.3000.000 Millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

163910924

Equity Share

Rs.10/- each

Rs.1639.109 Millions

 

 

 

 

 

 

(AS ON 31.03.2011)

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

300000000

Equity Share

Rs.10/- each

Rs.3000.000 Millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

178155924

Equity Share

Rs.10/- each

Rs.1781.559 Millions

 

 

 

 

 

 

 

 


 

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

1781.559

2094.249

1395.125

2] Share Application Money

0.000

0.000

0.000

3] Reserves & Surplus

2586.503

3137.160

4051.599

4] (Accumulated Losses)

0.000

0.000

0.000

NETWORTH

4368.062

5231.409

5446.724

LOAN FUNDS

 

 

 

1] Secured Loans

1800.000

975.000

0.000

2] Unsecured Loans

12.344

589.303

1418.976

TOTAL BORROWING

1812.344

1564.303

1418.976

DEFERRED TAX LIABILITIES

706.616

741.044

912.097

 

 

 

 

TOTAL

6887.022

7536.756

7777.797

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

4151.380

4808.811

5509.275

Capital work-in-progress

0.000

20.922

0.748

 

 

 

 

INVESTMENT

55.221

1530.200

0.000

DEFERREX TAX ASSETS

0.000

0.000

0.000

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

77.390

69.739

83.132

 

Sundry Debtors

102.229

123.485

160.433

 

Cash & Bank Balances

2.622

22.324

3.858

 

Other Current Assets

66.768

59.221

55.587

 

Loans & Advances

3726.427

2123.347

2980.306

Total Current Assets

3975.436

2398.116

3283.316

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Sundry Creditor

313.490

322.858

290.829

 

Other Current Liabilities

815.381

745.672

587.934

 

Provisions

166.144

152.763

136.779

Total Current Liabilities

1295.015

1221.293

1015.542

Net Current Assets

2680.421

1176.823

2267.774

 

 

 

 

MISCELLANEOUS EXPENSES

0.000

0.000

0.000

 

 

 

 

TOTAL

6887.022

7536.756

7777.797

 

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

 

31.03.2011

31.03.2010

31.03.2009

 

SALES

 

 

 

 

 

Income

5676.627

5279.067

5638.568

 

 

Other Income

NA

327.239

172.395

 

 

TOTAL                                    

NA

5606.306

5810.963

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

TOTAL                                    

NA

4882.530

4846.351

 

 

 

 

 

 

PROFIT BEFORE TAX

NA

723.776

964.612

 

 

 

 

 

Less

TAX                                                                 

NA

(171.027)

(371.041)

 

 

 

 

 

 

PROFIT AFTER TAX                            

384.289

894.803

1335.653

 

 

 

 

 

 

EARNINGS IN FOREIGN CURRENCY

4999.140

4736.934

NA

 

 

 

 

 

 

IMPORTS

 

 

 

 

 

Spares and Consumed

27.111

17.879

21.911

 

 

Capital Goods

31.332

0.000

2.346

 

TOTAL IMPORTS

58.443

17.879

24.257

 

 

 

 

 

 

Earnings Per Share (Rs.)

1.94

5.26

5.47

 

 

NOTE:

In the annual report the sales turnover figures for March 2011 mentioned under performance are incorrect. The correct sales turnover figures are as above.

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2011

31.03.2010

31.03.2009

PAT / Total Income

(%)

NA

15.96

22.99

 

 

 

 

 

Net Profit Margin

(PBT/Sales)

(%)

NA

13.71

17.11

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

NA

10.04

25.43

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

NA

0.14

0.18

 

 

 

 

 

Debt Equity Ratio

(Total Liability/Networth)

 

0.71

0.53

0.45

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

3.07

1.96

3.23

 

 

 

LOCAL AGENCY FURTHER INFORMATION

 

SUNDRY CREDITORS DETAILS:

 

Particulars

31.03.2011

 

31.03.2010

31.03.2009

 

(Rs. In Millions)

 

 

 

 

Sundry Creditors

 

 

 

- Creditor due others

313.490

322.858

290.829

 

 

 

 

Total

 

313.490

322.858

290.829

 

 

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

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

Yes

10]

Designation of contact person

Yes

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 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

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

Yes

34]

External Agency Rating, if available

Yes

 

 

BACKGROUND

 

Subject was incorporated on 21 March 1997 under the companies Act, 1956.

 

Effective 3 July 1997, the company entered into a 30 year license agreement with Jawaharlal Nehru Port Trust (‘JNPT’) to engaged in the business of developing, operating, marketing and managing container handling and unit loading/ unloading facilities at Jawaharlal Nehru Port.

 

 

PERFORMANCE

 

Company has recorded revenue from operations of Rs.5676.627 Millions and a profit after tax of Rs.384.289 Millions for 12 months period ended 31st, March, 2011 as against revenue of Rs.5279.067 Millions and profit after tax of Rs.894.803 Millions the previous period ended 31st, March 2010. The Balance in the Profit and Loss account of Rs. 1841.191 Millions is being carried forward to the next year.

 

Company has implemented various measures to meet the ever challenging business environment by improving operational performance through new initiatives like Optimized Berthing Window, various cost reduction Initiatives, 2 new twin lift spreaders have been installed and commissioned etc.

 

 

SHARE CAPITAL:

 

Paid up equity share capital of the Company stands to 178,155,924 equity shares of Rs.10 each aggregating to Rs.1781.559 Millions from 209,424,924 equity shares of Rs.10 each aggregating to Rs.2094.249 Millions during the previous year, on account of buy back of 31,269,000 equity shares.

 

In order to enhance the shareholder value, Company implemented buy back of shares in November 2010. Company bought back 31,269,000 equity shares of Rs.10 each fully paid aggregating Rs.312.690 Millions at Rs. 39.90 which constitutes 14.93% of the total existing paid-up equity share capital of the Company out of the internal accruals and the free reserves of the Company. The total value of the buyback of Equity Shares was Rs 1247.633 Millions.

 

 

FUTURE PERSPECTIVE

 

Company expects that the EXIM Trade will further improve and this will boost the business prospects. Company is gearing up to meet new challenges and is continuously striving to improve efficiencies. Company is confident that it shall meet the targets it has set for itself.

 

 

FINANCE

 

During the period Company raised a long term loan of Rs.1000.000 Millions from IDFC for working capital purpose and Company has created a mortgage on its movable amp; non movable assets. Company parked short term surpluses with liquid mutual funds to maximize the return on inflows from operations. Company continued with the arrangement of pooling of funds to give loan to group companies and effectively earn interest on the entire funds lying in its account.

 

 

CONTINGENT LIABILITIES NOT PROVIDED FOR

 

Particulars

31.03.2011

31.03.2010

 

 

(Rs. In millions)

 

- claims against the Company not acknowledged as debts

171.474

162.261

- dues of service tax disputed in appeal

25.999

25.999

- dues of income tax disputed in appeal

37.336

0.000

- guarantees issued in favour of Custom authorities by the bank on behalf of the Company in the capacity of custodian of the cargo

101.700

101.700

- performance and financial guarantees issued in favour of JNPT by the bank on behalf of the Company

1416.640

1334.840

 

 

FORM 8:

 

Corporate identity number of the company

U45203MH1997PTC106790

Name of the company

NHAVA SHEVA INTERNATIONAL CONTAINER TERMINAL PRIVATE LIMITED

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

Darabshaw House, Level 1 Narottam Morarji Road, Ballard Estate, Mumbai – 400038, Maharashtra, India

Aparna.Chablani@dpworld.com

This form is for

Creation of charge

Type of charge

Immovable property

Movable property (not being pledge)

Particular of charge holder

Infrastructure Development Finance Company Limited

KRM Tower, 8th Floor, No. 1, Harrington Road, Chetpet, Chennai – 600031, Tamilnadu, India

selvaraj@idfc.com

Nature of instrument creating charge

Indenture of Mortgage dated December 8,2010 creating Mortgage on all the Assets as given in Schedule I thereto in favour of IDFC and shall be subject to prior charge of the Board of Trustees of Jawarlal Nehru Port Trust (JNPT).

Date of instrument Creating the charge

08.12.2010

Amount secured by the charge

Rs.1000.000 Millions

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

Rate of Interests:

2% p.a above the Benchmark Rate prevailing on the date of each disbursement.

 

Terms of Repayment:

Repayable as per the amortisation schedule 7 of the Term Loan Facility Agreement dated May 3, 2010 between IDFC and the Company.

 

Margin:

1.75 times of the loan amount as set out in the Term Loan Facility Agreement dated May 3, 2010  between IDFC and the company.

 

Extent and operation of the charge:

The fixed Charge subject to prior charge of the Board of Jawaharlal Nehru Port Trust (JNPT) operates as security for the due repayment of the IDFC's Loan of Rs.1000.000 Millions together with interest, additional interest, liquidated damages, premia on pre repayment, costs charges, expenses and all other monies payable by the Company to IDFC in terms of the Term Loan Facility Agreement dated May 3, 2010 between IDFC and the Company.

 

Particulars of the property charged

Property specified in Schedule 1 to Indenture of Mortgage dt 8/12/2010 at Nhava Sheva International Container Terminal Private Limited, Operations Centre, Sheva, Navi Mumbai - 7.

 

 

FIXED ASSETS:

 

·         Building

·         Plant and Machinery

·         Furniture and Fittings

·         Office Equipment

·         Computers

·         Vehicles

 

 


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.52.21

UK Pound

1

Rs.84.00

Euro

1

Rs.67.67

 

 

INFORMATION DETAILS

 

Information Gathered by :

SVA

 

 

Report Prepared by :

NIT

 

 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

6

PAID-UP CAPITAL

1~10

6

OPERATING SCALE

1~10

6

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

6

--PROFITABILIRY

1~10

6

--LIQUIDITY

1~10

6

--LEVERAGE

1~10

6

--RESERVES

1~10

6

--CREDIT LINES

1~10

5

--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

 

53

 

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.