MIRA INFORM REPORT

 

 

Report Date :

20.10.2012

 

IDENTIFICATION DETAILS

 

Name :

UTECH FASTEN PRIVATE LIMITED

 

 

Registered Office :

Plot No.179, GIDC, Waghodia, Vadodara – 391760, Gujarat

 

 

Country :

India

 

 

Financials (as on) :

31.03.2012

 

 

Date of Incorporation :

21.01.2005

 

 

Com. Reg. No.:

04-045329

 

 

Capital Investment/ Paid-up Capital:

Rs.12.500 Millions

 

 

CIN No.:

[Company Identification No.]

U36990GJ2005PTC045329

 

 

Legal Form :

Private Limited Liability Company

 

 

Line of Business :

Manufacturer and Exporter of Stapler Pin, Coil Nailers, Nails etc.

 

 

No. of Employees:

100 (Approximately)

 

 

RATING & COMMENTS

 

MIRA’s Rating :

B (33)

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Maximum Credit Limit :

USD 74000

 

 

Status :

Moderate

 

 

Payment Behaviour :

Slow but correct

 

 

Litigation :

Clear

 

 

Comments :

Subject is an established company having moderate track. Trade relations are reported as fair. Business is active. Payments are reported to be slow but correct.

 

The company can be considered for small business dealings at usual trade terms and conditions.

 

Profit and loss Account for the current year is not available

 

 

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 PARTED BY

 

Name :

Mr. Yogesh

Designation :

Vice President

Contact No.:

91-9998041664

Date :

19.10.2012

 

 

LOCATIONS

 

Registered Office/Factory  :

Plot No.179, GIDC, Waghodia, Vadodara – 391760, Gujarat, India

Tel. No.:

91-2668-263636

Mobile No.:

91-9998041664 (Mr. Yogesh)

Fax No.:

91-2668-263635

E-Mail :

baroda.utech@gmail.com

yogeshn.utesh@gmail.com

Location :

Owned

 

 

Branch Office :

Survey No. 141/1 Jayaram Nagar, Near Andhra Mess Maan Road Phase 1, Hinejwadi, Taluka Mulshi, District Pune – 411033, Maharashtra, India

Tel. No.:

91-20-32335164

Fax No.:

91-20-27496015/33

 

 

DIRECTORS

 

As on 01.09.2012

 

Name :

Mr. Arun J. Kumat

Designation :

Director

Address :

B/204, Hemdeep Tower, Fatehgunj, Vadodara – 390002, Gujarat, India

Date of Birth/Age :

22.02.1958

Date of Appointment :

20.01.2005

Din No.:

00202421

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

U17214GJ2001PTC056528

SPRING MASTER SLEEP PRODUCTS (INDIA) PRIVATE LIMITED

Director

21/09/2004

21/09/2004

-

Active

NO

2

U36990GJ2005PTC045329

UTECH FASTEN PRIVATE LIMITED

Director

20/01/2005

20/01/2005

-

Active

NO

 

 

Name :

Mr. Ashok J. Kumat

Designation :

Director

Address :

B/204, Hemdeep Tower, Fatehgunj, Vadodara – 390002, Gujarat, India

Date of Birth/Age :

12.02.1952

Date of Appointment :

05.02.2005

Din No.:

00202424

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

U17214GJ2001PTC056528

SPRING MASTER SLEEP PRODUCTS (INDIA) PRIVATE LIMITED

Director

21/09/2004

21/09/2004

-

Active

NO

2

U36990GJ2005PTC045329

UTECH FASTEN PRIVATE LIMITED

Director

05/02/2005

05/02/2005

-

Active

NO

 

 

Name :

Mr. Hirendra N. Vyas

Designation :

Director

Address :

108, Rajendra Marg, Bhilwara – 301221, Rajasthan, India

Date of Birth/Age :

25.04.1957

Date of Appointment :

20.01.2005

Din No.:

01925411

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

U17214GJ2001PTC056528

SPRING MASTER SLEEP PRODUCTS (INDIA) PRIVATE LIMITED

Director

20/01/2005

20/01/2005

-

Active

NO

2

U36990GJ2005PTC045329

UTECH FASTEN PRIVATE LIMITED

Director

20/01/2005

20/01/2005

-

Active

NO

3

U52393MH2008PTC178687

MAGIC JEWELLERY PRIVATE LIMITED

Director

09/02/2008

09/02/2008

-

Strike off

NO

4

U25209DD1981PLC002490

UNIMIN INDIA LIMITED

Director

06/09/2008

07/07/2008

-

Active

NO

 

 

KEY EXECUTIVES

 

Name :

Mr. Yogesh

Designation :

Vice President

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

As on 01.09.2012

 

 

Names of Shareholders

 

No. of Shares

Hirendra Kumar Vyas

 

416667

Arunkumar Jaswatsingh Kumat

 

10000

Sunil Bhatia

 

416667

Ashokkumar Jaswatsingh Kumat

 

261666

Neha Abhishek Kumat

 

145000

 

 

 

Total

 

1250000

 

Equity Share Break up (Percentage of Total Equity)

 

As on 01.09.2012

 

Category

 

Percentage

 

 

 

Directors or relatives of directors

 

100.00

 

 

 

Total

 

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Manufacturer and Exporter of Stapler Pin, Coil Nailers, Nails etc.

 

 

Products :

Pneumatic Tools

  • Staplers
  • Bradders
  • Pinners
  • Special Tools
  • Coil Nailers

Fasteners

  • Staples
  • Pins
  • C Rings
  • Nails
  • Brads

 

 

Exports :

 

Products :

·         Stapler Pin

·         Coil Nailers

·         Nails

Countries :

·         Gulf  and African Countries

 

 

Imports :

 

Products :

Raw Material

Countries :

China

 

 

Terms :

 

Selling :

L/C Cash and Credit (30 Days)

 

 

Purchasing :

L/C Cash and Credit (30 Days)

 

 

GENERAL INFORMATION

 

Customers :

Wholesalers, Retailers, End users  

 

 

No. of Employees :

100 (Approximately)

 

 

Bankers :

Bank of Baroda,  International Business Branch, Ground Floor, Suraj Plaza 1, Sayajiganj, Vadodara – 390006, Gujarat, India

 

 

 

Facilities :

Secured Loan [Rs. in million]

31.03.2011

31.03.2010

On Term Loan Account [repayable within 12 months Rs.2.800 million/ previous year Rs.2.209 millions]

13.471

 

2.209

Under Vehicle Finance Scheme [repayable within 12 months Rs,0.253 million/ previous year Rs.nil]

0.712

0.000

On Cash Credit and Working Capital

22.442

6.264

Total

36.625

8.473

Note -1 : Term Loan from Bank of Baroda is secured by Exclusive first charge by way of Equitable Mortgage of the Land and Building in the name of the Company and hypothecation of entire Plant and Machineries, furniture and Fixtures and other movable fixed assets both present and future

 

Note -2 : {a): Term Loan from Bank of Baroda under vehicle finance scheme amounting to Rs. 0.544 million is secured by an exclusive charge by way of hypothecation of Vehicle.

 

Note -2 : (b) : Term Loan from HDFC under vehicle finance scheme amounting, to Rs. 0.167 million is secured by an exclusive charge by way of hypothecation of Vehicle.

 

Note - 3 : Cash Credit Loan - Bank of Baroda is secured by exclusive first charge by way o( hypothecation of entire and Book Debts of the Company both present and future.

Unsecured Loan [Rs. in million]

31.03.2011

31.03.2010

From Directors

5.120

4.850

From Shareholders

3.986

4.256

Trade Deposit

11.783

0.000

Total

20.889

9.106

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

R K Dhupia and Associates

Chartered Accountants

Address :

110, Blue Diamond Complex, Fateganj, Vadodara – 390002, Gujarat, India

Pan No.:

ACCPD8815G

 

 

 

 

Associates/Subsidiaries :

(As on 31.03.2011)

Spring Master India Private Limited

Address : Vadodara, Gujarat, India

 

 

 

 

CAPITAL STRUCTURE

 

As on 01.09.2012

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

1250000

Equity Shares

Rs.10/- each

Rs.12.500 Millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

1250000

Equity Shares

Rs.10/- each

Rs.12.500 Millions

 

 

 

 

 


 

FINANCIAL DATA

[all figures are in Rupees Millions]

 

ABRIDGED BALANCE SHEET

 

SOURCES OF FUNDS

 

31.03.2012

31.03.2011

31.03.2010

SHAREHOLDERS FUNDS

 

 

 

1] Share Capital

12.500

7.500

3.000

2] Share Application Money

0.000

0.000

0.000

3] Reserves & Surplus

6.044

4.997

3.117

4] (Accumulated Losses)

0.000

0.000

0.000

NETWORTH

18.544

12.497

6.117

LOAN FUNDS

 

 

 

1] Secured Loans

36.625

8.473

2] Unsecured Loans

 

20.889

9.106

TOTAL BORROWING

54.681

57.514

17.579

DEFERRED TAX LIABILITIES

1.712

1.066

0.658

 

 

 

 

TOTAL

74.937

71.077

24.354

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

39.197

28.541

7.311

Capital work-in-progress

0.000

0.000

1.006

 

 

 

 

INVESTMENT

0.000

0.000

0.000

DEFERREX TAX ASSETS

0.000

0.000

0.000

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

51.273
29.954
14.708

 

Sundry Debtors

34.250
24.608
15.118

 

Cash & Bank Balances

3.267
3.592
0.879

 

Other Current Assets

2.410
0.000
0.000

 

Loans & Advances

7.318
8.318
3.443

Total Current Assets

98.518

66.472

34.148

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Sundry Creditors

28.548
18.882
15.447

 

Other Current Liabilities

33.986
4.985
2.151

 

Provisions

0.244
0.248
0.716

Total Current Liabilities

62.778

24.115

18.314

Net Current Assets

35.740
42.357
15.834

 

 

 

 

MISCELLANEOUS EXPENSES

0.000

0.179

0.203

 

 

 

 

TOTAL

74.937

71.077

24.354

 


 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

31.03.2012

(Approximately)

31.03.2011

31.03.2010

 

 

 

 

 

 

 

SALES

120.000

108.766

57.953

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Office Expenses

 

 

 

Administrative Expenses

NA

NA

NA

 

 

Advertising Expenses

 

 

 

 

 

TOTAL                                     (B)

 

 

 

 

 

 

 

 

Less

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

NA

6.520

5.659

 

 

 

 

 

Less

FINANCIAL EXPENSES             (D)

NA

2.748

1.271

 

 

 

 

 

 

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

NA

3.772

4.388

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION (F)

NA

0.943

0.891

 

 

 

 

 

 

PROFIT BEFORE TAX (E-F)                              (G)

NA

2.829

3.497

 

 

 

 

 

Less

TAX                                                                  (I)

NA

0.949

0.987

 

 

 

 

 

 

PROFIT AFTER TAX (G-I)                                  (J)

NA

1.880

2.510

 

 

 

 

 

 

EARNINGS IN FOREIGN CURRENCY

 

 

 

 

 

FOB Value

NA

8.242

8.056

 

TOTAL EARNINGS

NA

8.242

8.056

 

 

 

 

 

 

IMPORTS

 

 

 

 

 

CIF Value

 

-

31.539

 

TOTAL IMPORTS

NA

NA

31.539

 

 

 

 

 

 

Earnings Per Share (Rs.)

NA

2.51

--

 

 

Expected Sales (2012-2013): Rs.150.000 Millions

 

The above information has been parted by Mr. Yogesh (Vice President)

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2012

31.03.2011

31.03.2010

 

 

 

 
 

Net Profit Margin

(PBT/Sales)

(%)

NA

2.60
6.03

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

NA

2.98
8.43

 

 

 

 
 

Return on Investment (ROI)

(PBT/Networth)

 

NA

0.23
0.57

 

 

 

 
 

Debt Equity Ratio

(Total Liability/Networth)

 

6.33

6.53
5.87

 

 

 

 
 

Current Ratio

(Current Asset/Current Liability)

 

1.57

2.76
1.86

 

 

 

LOCAL AGENCY FURTHER INFORMATION

 

 

Check List by Info Agents

Available in Report [Yes/No]

Year of Establishment

Yes

Locality of the Firm

Yes

Constitution of the firm

Yes

Premises details

No

Type of Business

Yes

Line of Business

Yes

Promoters background

Yes

No. of Employees

Yes

Name of Person Contacted

Yes

Designation of contact person

Yes

Turnover of firm for last three years

Yes

Profitability for last two years

Yes

Reasons for variation <> 20%

-

Estimation for coming financial year

Yes

Capital the business

Yes

Details of sister concerns

Yes

Major Suppliers

No

Major Customers

No

Payment Terms

Yes

Export / Import Details [If Applicable]

Yes

Market Information

-

Litigations that the firm / promoter involved in

-

Banking Details

Yes

Banking Facility Details

Yes

Conduct of the banking account

-

Buyer visit details

-

Financials, if provided

Yes

Incorporation details, if applicable

Yes

Last accounts filed at ROC

Yes

Major Shareholders, if applicable

Yes

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

Yes

PAN of Proprietor/Partner/Director, if available

No

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

No

External Agency Rating, if available

No

 

Note : Registered Office Address of the company has been shifted from B/204 Hemdeep Tower, B/H Fatehgunj P O Baroda- 390002, Gujarat, India to present w.e.f. 25.05.2010

 

FORM 8

 

Corporate identity number of the company

U36990GJ2005PTC045329

Name of the company

U TECH FASTEN PRIVATE LIMITED

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

Plot No. 179, GIDC, Waghodia, Vadodara – 391760, Gujarat, India

 

Email: baroda.utech@gmail.com

This form is for

Creation of Charge

Charge identification (ID) number of the charge to be modified

10250802

Type of charge

Immovable property

Particular of charge holder

Bank of Baroda,  International Business Branch, Ground Floor, Suraj Plaza 1, Sayajiganj, Vadodara – 390006, Gujarat, India

 

Email: overbar@bankofbaroda.com

Nature of instrument creating charge

Instrument of Extension / creation of Mortgage relating to constructive / actual Deposit of title deeds

Date of instrument Creating the charge

24.308.2011

Amount secured by the charge

Rs. 79.022 Millions

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

Rate of interest

Cash Credit and Term Loans - 3.50% above Base Rate i.e. presently 14.25% p a with monthly rest

 

Term of Payment:

Working Capital on demand, Term Loan - I in 52 monthly instalments of Rs.0.233 Million  and last instalment of Rs.0.253 Millions . Term Loan - II - in 60 monthly instalments. Interest to be serviced as and when due

 

Margin

Cash Credit - 25% for RM, SIP, FG, stores and spares, packing materials, 30% for Book debts up to 90 days, Term Loan -I  25% on machinery and equipment, 48% on building. Inland / Foreign L/C - 25%, Term Loan - II 25% on machineries

 

Extent and operation of the charge

Various credit facilities are secured by way of mortgage of Immovable properties more particularly described in second schedule to the Memorandum

 

Others:

Credit facilities secured Spring Master Sleep Products (India) P Ltd - Fresh T L Rs.80.. Millions  + TL (Takenover from SBI) Rs.0.090 Millions  + TL (Car Loan taken over from SBI) Rs.0.239 Millions  + C C Hyp Rs.6.000 Millions  + Inland L C Rs.2.000 Millions  aggregating to Rs.17.139 Millions  and Utech Fasten P Ltd TL-I - Rs.12.133 Millions  + TL - II (fresh) Rs.3.750 Millions  + Cash Credit - Rs.33.500 Millions  + Inland/Foreign L/C Rs.12.500 Millions  aggregating to Rs. 61.883 Millions . Total aggregating to Rs.79.022 Millions

Short particulars of the property charged (Including location of the property)

Various credit facilities granted to (1) Spring Master Sleep Products (India) Private Limited and (2) Utech Fasten Private Limited are collaterally secured by mortgage of Immovable properties as under Industrial Plot No.179 adm. 2000 Sq. Mtrs in GIDC beaing organised and constructed in the land bearing R S No.1383/p, 1388/p, 1393/p and 1394/p of mouje Vill: Waghodiya in the registration sub district Waghodiya District Vadodara and belonging to Utech Fasten Private Limited

Particulars of the present modification

By this execution the charge extended to cover revised credit facilities from Rs.59.639 Millions  to Rs.79.022 Millions  {Spring Master Sleep Products (India) Private Limited - Rs.17.139 Millions  + Utech Fasten Private Limited Rs.61.883 Millions  aggregating to Rs.79.022 Millions

 


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.53.72

UK Pound

1

Rs.86.14

Euro

1

Rs.70.17

 

 

INFORMATION DETAILS

 

 

Information Gathered by :

JML

 

 

Report Prepared by :

BYI

 

 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

4

PAID-UP CAPITAL

1~10

4

OPERATING SCALE

1~10

4

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

4

--PROFITABILIRY

1~10

3

--LIQUIDITY

1~10

4

--LEVERAGE

1~10

4

--RESERVES

1~10

3

--CREDIT LINES

1~10

3

--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

YES

--AFFILIATION

YES/NO

YES

--LISTED

YES/NO

NO

--OTHER MERIT FACTORS

YES/NO

YES

TOTAL

 

33

 

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.