MIRA INFORM REPORT

 

 

Report Date :

26.10.2012

 

IDENTIFICATION DETAILS

 

Name :

KABRA PLASTICS LIMITED

 

 

Registered Office :

B - 729, Wing B, 7th Floor, International Trade Centre, Majura Gate, Ring Road, Surat – 395001, Gujarat

 

 

Country :

India

 

 

Financials (as on) :

31.03.2010

 

 

Date of Incorporation :

09.03.1995

 

 

Com. Reg. No.:

04-024946

 

 

Capital Investment / Paid-up Capital :

Rs. 67.494 millions

 

 

CIN No.:

[Company Identification No.]

U25209GJ1995PLC024946

 

 

Legal Form :

A Closely Held Public Limited Liability Company

 

 

Line of Business :

Manufacturer and Exporter of BOPP Film, PVC Film, Matalized Bopp, PVC and Polyester Film of high quality and scraps.

 

 

No. of Employees :

140 (Approximately)

 

 

RATING & COMMENTS

 

MIRA’s Rating :

B (31)

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Maximum Credit Limit :

USD 359000

 

 

Status :

Moderate

 

 

Payment Behaviour :

Unknown

 

 

Litigation :

Clear

 

 

Comments :

Subject is an established company having moderate track. The management has not made the financial details available in the government for the year 2011.

 

Mr. Gajendra, Key Executive has provided few general information and denied to disclose any financial details to us.

 

However, trade relations are reported as fair. Business is active. Payment terms are unknown.

 

The company can be considered for business dealings with some caution.

 

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

CRISIL

Rating

B+ (Long Term Rating)

Rating Explanation

High risk of default

Date

18 October 2012

 

Rating Agency Name

CRISIL

Rating

A4 (Short Term Rating)

Rating Explanation

Minimal degree of safety and very high credit risk.

Date

18 October 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 PARTED BY [GENERAL DETAILS]

 

Name :

Mr. Gajendra

Designation :

Key Executive

Contact No.:

91-261-2475360

Date :

26.10.2012

 

 

LOCATIONS

 

Registered Office :

B - 729, Wing B, 7th Floor, International Trade Centre, Majura Gate, Ring Road, Surat – 395001, Gujarat, India

Tel. No.:

91-261-2475360/ 1

Fax No.:

91-261-2475363

E-Mail :

kabraplastics@yahoo.com

kabraplastics@gmail.com

kabra@kabraplastics.com

daman@kabraplastics.com

kabraplastics@drdcs.net

Website :

www.kabraplastics.com

Location :

Owned

 

 

Factory  :

Plot No. 5, Sr/No.57/2 (6-7), Village, Dunetha, Bhenslore, Daman – 396210, India

Tel. No.:

91-260-2262911/ 2262922

Fax No.:

91-260-2260411/ 396210

 

 

DIRECTORS

 

As on 30.09.2011

 

Name :

Mrs. Amita Kabra

Designation :

Whole-time Director

Address :

A – 5/1, Somnath Society, Umra – 5, Surat – 395 007, Gujarat, India

Date of Birth/Age :

26.06.1968

Date of Appointment :

09.03.1995

DIN No.:

00052353

 

 

Name :

Ms. Gitadevi Kabra

Designation :

Director

Address :

A / 5 / 1, Somnath Co-operative Housing Society, Old Umra Jakat Naka, Surat – 395 007, Gujarat, India

Date of Birth/Age :

01.12.1944

Date of Appointment :

09.03.1995

DIN No.:

00052379

 

 

Name :

Mr. Binod Kumar Kabra

Designation :

Managing Director

Address :

40/1, 1st Floor, Somnath Mahadev Co-operative Housing Society, Surat – 395 007, Gujarat, India

Date of Birth/Age :

28.05.1967

Date of Appointment :

09.03.1995

DIN No.:

00052407

 

 

 

 

KEY EXECUTIVES

 

Name :

Mr. Dhiren R Dave

Designation :

Company Secretary

Address :

D – 412, International Trade Center, Majura Gate Ring Road, Surat – 395 002

 

 

MAJOR SHAREHOLDERS

 

As on 30.09.2011

 

Names of Shareholders

 

No. of Shares

 

 

 

BinodKumar Kabra

 

517500

Gitadevi Kabra

 

725000

Amita Kabra

 

712500

Kabra Synthetics Private Limited, India 

 

55000

Binodkumar Kabra – HUF

 

465000

Nilima Kamlesh Mehta

 

30000

Kamlesh Kailash Mehta

 

30000

Bhagya Laxmi Commercial Private Limited, India

 

40000

Sushil Kumar Laxmi Devi Jain

 

15000

Mahavirprasad Munnidevi Jain

 

10000

Naisha Mohanlal Dalal

 

10000

Shitla Prasad Mangilal Ajmera

 

37500

Rajendra Kumar Hanumanprasad Dhanuka

 

10000

Girija Shankar Nagarmal Agarwal

 

70000

Harish Fatehchand Kabra

 

20000

Fatehchand Dulichand Kabra

 

20000

Dipesh Binodkumar Kabra

 

565000

Manish Mahavirprasad Jain

 

10000

Meera Gyanchand Jain

 

12500

Govind Prasad Hanuman Prasad Dhandhuka

 

10000

Ashish Fatehchand Kabra

 

20000

Master Bharatkumar HUF

 

7500

Gyaychand Jain

 

130000

Madhu Ganesh Chandak

 

17500

Veenit Jamunadas Kothari

 

15000

Menu Rameshchand Jain

 

15000

Mansa Satish Kumar Bhotika

 

10000

Chotelal Devisahal

 

50000

Oasis Plastics Private Limited, India

 

20000

Bina Premchand Arora

 

15000

Trilok Premchand Jain

 

30000

Mahavirprasad Kanhayalal Jain

 

15000

Ram Ratan Biyani HUF

 

15000

Anju Gyanchand Jain

 

20000

Solo Tradefin and Investment Private Limited, India

 

50000

Ranjan Gulabchand Jain

 

10000

Alok Premchand Jain

 

10000

Phool Chand Premchand Jain

 

10000

Premchand Pratapmal Jain

 

10000

New Gujarat Polyplast Private Limited

 

598500

R P Kabra and Sons HUF

 

402500

Boron Tradecom Private Limited, India

 

470000

Ostrich Commodities Private Limited, India

 

100000

Fetor Vimitrade Private Limited, India

 

100000

Scorpio Tie Up Private Limited, India

 

500000

Gajmukh Vinimay Private Limited, India

 

100000

Veshnaway Vyapar Private Limited, India

 

100000

Bholeshwar Vinitrade Private Limited, India

 

100000

Maelstrom Vinitrade Private Limited, India

 

150000

Fulfil Vinimay Private Limited, India

 

200000

 

 

 

TOTAL

 

6656000

 

List of Allottees (As on 23.03.2012)

 

Names of Allottees

 

No. of Shares

Simpro Vanijya Private Limited, India

 

10400

Urmila Biyani 

 

600

Chaturbhuj Dhanraj Totla     

 

2600

Mamta Totla         

 

600

Aarti Taparia     

 

600

Subhrekha Vyapaar Private Limited, India

 

7000

 

 

 

TOTAL

 

21800

 

Equity Share Break up (Percentage of Total Equity)

 

Category

Percentage

Bodies corporate

39.00

Directors or relatives of Directors

29.00

Other top fifty shareholders

32.00

Total

100.00

 

 

BUSINESS DETAILS

 

 

Line of Business :

Manufacturer and Exporter of BOPP Film, PVC Film, Matalized Bopp, PVC and Polyester Film of high quality and scraps.

 

 

Imports :

 

Products :

Raw Material

Countries :

Gulf Countries

 

 

Terms :

 

Selling :

Cash / Credit

 

 

Purchasing :

Cash / Credit

 

PRODUCTION STATUS AS ON 31.03.2010

 

Particulars

Unit

 

Installed Capacity

Actual Production

BOPP Film

MT

 

2400

2400

Matalising Bopp

MT

 

7200

1200

PVC Film

MT

 

1200

1200

 

 

GENERAL INFORMATION

 

 

Customers :

Wholesalers and Retailers

 

 

No. of Employees :

140 (Approximately)

 

 

Bankers :

·         Bank of Baroda, Parsi Sheri Branch, P. B. No.328, Khandwala Sheri, Bhagal, Surat - 395003, Gujarat, India

·         HDFC Bank, Surat, India

·         IDBI Bank Limited, IDBI Tower WTC Complex, Branch Office At Ghod Dod Road, Surat - 395001, Gujarat, India

 

 

Facilities :

Secured Loans

 

Rs. In Millions

31.03.2010

Rs. In Millions

31.03.2009

Bank of Baroda – Cash Credit

(Secured by a first charge on stock and bad debts, both present and future and second charge by way of mortgage/hypothecation crated over all the immovable properties and plant and machinery of the company and also guaranteed by director of the company)

174.745

122.516

Bank of Baroda – Term Loan

2.727

0.000

HDFC Bank Car Loan

1.172

1.507

TOTAL

178.644

124.023

Unsecured Loans

Rs. In Millions

31.03.2010

Rs. In Millions

31.03.2009

Loan from bodies corporate

(Repayable within One Year Rs. 1.063 millions)

Loan from Others

Interest accured and due on loans (Net of TDS)

1.063

 

 

0.000

0.000

2.930

 

 

15.548

0.000

 

 

1.063

18.478

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

C S Jariwala and Company 

Chartered Accountants

Address :

6th Floor, President Plaza, C- Block, Ring Rod, Athwagate, Surat – 395001, Gujarat, India

 

 

CAPITAL STRUCTURE

 

As on 30.03.2010

 

Authorized Capital:

 

No. of Shares

Type

Value

Amount

 

 

 

 

6500000

Equity Shares

Rs.10/- each

Rs. 65.000 Millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital:

 

No. of Shares

Type

Value

Amount

 

 

 

 

6256000

Equity Shares

Rs.10/- each

Rs. 62.560 Millions

 

 

 

 

 

As on 30.09.2011

 

Authorized Capital:

 

No. of Shares

Type

Value

Amount

 

 

 

 

15000000

Equity Shares

Rs. 10/- each

Rs. 150.000 millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital:

 

No. of Shares

Type

Value

Amount

 

 

 

 

6656000

Equity Shares

Rs. 10/- each

Rs. 66.560 millions

 

 

 

 

 

After As on 30.09.2011

 

Authorized Capital: Rs. 150.000 millions

 

Issued, Subscribed & Paid-up Capital: Rs. 67.494 millions

 


 

FINANCIAL DATA

[all figures are in Rupees Millions]

 

ABRIDGED BALANCE SHEET

 

SOURCES OF FUNDS

 

31.03.2010

31.03.2009

31.03.2008

SHAREHOLDERS FUNDS

 

 

 

1] Share Capital

62.560

29.860

29.860

2] Share Application Money

0.000

0.000

0.000

3] Reserves & Surplus

27.300

21.428

12.639

4] (Accumulated Losses)

0.000

0.000

0.000

NETWORTH

89.860

51.288

42.499

LOAN FUNDS

 

 

 

1] Secured Loans

178.644

124.023

42.902

2] Unsecured Loans

1.063

18.478

23.105

TOTAL BORROWING

179.707

142.501

66.007

DEFERRED TAX LIABILITIES

9.015

8.680

6.524

 

 

 

 

TOTAL

278.582

202.469

115.030

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

86.099

65.723

62.391

Capital work-in-progress

0.000

0.000

0.000

 

 

 

 

INVESTMENT

0.800

0.800

0.000

DEFERREX TAX ASSETS

0.000

0.000

0.000

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

37.762

34.600

15.106

 

Sundry Debtors

247.658

113.505

111.810

 

Cash & Bank Balances

16.555

0.980

6.676

 

Other Current Assets

0.000

0.000

0.000

 

Loans & Advances

31.722

31.419

7.445

Total Current Assets

333.697

180.504

141.037

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Sundry Creditors

128.064

30.650

78.505

 

Other Current Liabilities

13.123

12.400

8.915

 

Provisions

2.656

1.508

0.978

Total Current Liabilities

143.843

44.558

88.398

Net Current Assets

189.854

135.946

52.639

 

 

 

 

MISCELLANEOUS EXPENSES

1.829

0.000

0.000

 

 

 

 

TOTAL

278.582

202.469

115.030

 


 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

 

31.03.2010

31.03.2009

31.03.2008

 

SALES

 

 

 

 

 

Income

1227.536

513.281

332.382

 

 

Other Income

0.000

0.528

1.578

 

 

TOTAL                                     (A)

1227.536

513.809

333.960

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Raw Material Consumed / Purchase

1045.144

454.310

247.015

 

 

Manufacturing and Other Expenses

92.003

25.966

25.521

 

 

Excise Duty

50.031

12.968

26.682

 

 

Increased / (Decreased) in Stock

0.286

(14.941)

3.908

 

 

TOTAL                                     (B)

1187.464

478.303

303.126

 

 

 

 

 

Less

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

40.072

35.506

30.834

 

 

 

 

 

Less

FINANCIAL EXPENSES                         (D)

23.633

15.558

14.947

 

 

 

 

 

 

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

16.439

19.948

15.887

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                     (F)

7.348

6.218

6.183

 

 

 

 

 

Less

LOSS ON SALE OF FIXED ASSETS

0.000

1.129

0.664

 

 

 

 

 

 

PROFIT BEFORE TAX (E-F)                               (G)

9.091

12.601

9.040

 

 

 

 

 

Less

TAX                                                                  (I)

3.219

3.813

2.133

 

 

 

 

 

 

PROFIT AFTER TAX (G-I)                                  (J)

5.872

8.788

6.907

 

 

 

 

 

Add

PREVIOUS YEARS’ BALANCE BROUGHT FORWARD

11.528

2.739

(4.167)

 

 

 

 

 

 

BALANCE CARRIED TO THE B/S

17.400

11.527

2.740

 

 

 

 

 

 

IMPORTS

 

 

 

 

 

Raw Materials

103.551

1.977

0.000

 

 

Stores & Spares

7.499

0.799

1.770

 

 

Capital Goods

0.000

1.073

0.000

 

TOTAL IMPORTS

111.050

3.849

1.770

 

 

 

 

 

 

Earnings Per Share (Rs.)

0.94

2.94

--

 


 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2010

31.03.2009

31.03.2008

PAT / Total Income

(%)

0.49

1.71

2.07

 

 

 

 

 

Net Profit Margin

(PBT/Sales)

(%)

0.74

2.45

2.72

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

2.17

5.11

4.44

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

0.10

0.24

0.21

 

 

 

 

 

Debt Equity Ratio

(Total Liability/Networth)

 

3.60

3.64

3.63

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

2.32

4.05

1.59

 

 

LOCAL AGENCY FURTHER INFORMATION

 

SUNDRY CREDITORS DETAILS:

 

Particulars

31.03.2010

 

31.03.2009

31.03.2008

 

(Rs. In Millions)

 

 

 

 

Creditors for Goods

 

 

 

-          Due to small scale industrial undertakings

0.218

0.000

0.070

-          Dues to others

120.290

28.203

76.807

Creditors for Expenses

7.556

2.447

1.628

 

 

 

 

TOTAL

128.064

30.650

78.505

 

 

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

Yes

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

No

17]

Major suppliers

No

18]

Major customers

No

19]

Payments terms

Yes

20]

Export / Import details (if applicable)

Yes

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

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

Yes

 

NOTE:

 

The Registered Office of the company has been shifted from 352/B Ashwani Kumar Road Patel Colony Surat – 395008, Gujarat, India to the present address w.e.f.01.05.2009

 

CONTINGENT LIABILITIES

 

Contingent Liabilities not provided in respect of:

 

a)       Letters of credit Rs. 60.000 millions (previous year Rs. NIL) which are provided to creditors for goods included in balance sheet.

 

b)       Guarantee given by bank Rs. 2.200 millions (previous year Rs. 1.275 millions)

c)       Financial Guarantee given by the company for loan taken by M/s. New Gujarat Plastic, a concern in which directors are interested, to the Bank amounting to Rs. NIL (previous year Rs. 98.970 millions)

 

 

BANKERS CHARGES REPORT AS PER REGISTRY

 

Corporate identity number of the company

U25209GJ1995PLC024946

Name of the company

KABRA PLASTICS LIMITED

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

B-729, Wing b, 7th Floor, International Trade Centre, Majura Gate, Ring Road, Surat – 395001, Gujarat

e-mail: kabraplastics@drdcs.net

This form is for

Modification of charge

Charge identification number of the modified 

10028082

Type of charge

Book Debts

Movable Property

Stock

Particular of charge holder

Bank of Baroda, Parsi Sheri Branch, P. B. No.328, Khandwala Sheri, Bhagal, Surat - 395003, Gujarat, India

e-mail: parsis@bankofbaroda.com

Nature of description of the instrument creating or modifying the charge

Supplemental composite agreement of hypothecation of goods, book - debts, movable machinery and vehicles

Date of instrument Creating the charge

21.08.2012

Amount secured by the charge

Rs. 580.600 millions

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

Rate of Interest

CC I and II and TL IV and Fresh Adhoc C.C: 6.25% over BR i.e. 17.00% p.a. at present with monthly rest

TL III: 6.75% over BR i.e. 17.50% p.a. at present with monthly rest

 

Terms of Repayment

CC: On Demand

T/L-III: 25 Quarterly Installments of Rs. 0.770 Millions each and Last 26th Installment being Rs. 0.750 Millions.

T/L-IV: 25 Quarterly Installments of Rs. 4.400 Millions each and Last 26th Installment being Rs. 3.400 Millions.

Interest is to be serviced as and when debtited.

1st Installment will commence 18 months after 1st date of disbursement or 6 months after commencement of commercial production, whichever is earlier.

 

Margin

CC I and II (Hypo. Stocks and Book Debts)

and Adhoc C.C.: 25 % on Stocks

                        30 % on Book Debts (up to 120 days)

                        25% on Machinery

T/L-III (Fresh): 34 %

T/L-IV (Fresh): 40 % on Second Hand and 25% on New Machines

Bank Guarantee (Performance/Financial) Review: 15 % in the form of FDR

Import Letter of Credit in DP Term (Fresh) :15 % in the form of Cash Margin.

One time FLC on DP basis of USD 12,84,400/- (Sub Limit of Term Loan-IV): 40 % in the form of FDR

 

Extent and Operation of the charge

First and exclusive charge on the assets of the Company

Short particulars of the property charged

Hypothecation of Stock of Raw Material, Stock In Process, Finished Goods and Consumable, Book Debts, Plant and Machinery  both present and future situated at plot Survey No. 57/3 (7-A), 57/2 (6-7) and 57/2 (8), Vill: Dunetha (Bhenslor), Daman (UT).

Date of latest modification prior to the present modification

13.12.2011

Particulars of the present modification 

Charge created is now extended to secure Fresh Adhoc C.C Limit of Rs. 25.000 Millions, making Total Charge on the assets to Rs. 580.600 Millions as stated below:

T.L- III         Rs.    20.000 Millions (Existing) 

T.L.-IV         Rs. 113.400 Millions (Existing)

CC I            Rs. 290.000 Millions (Daman Unit)

CC II           Rs.   90.000 Millions (Surat Unit)

Import L/C   Rs.    40.000 Millions (Existing)

B/G (R)        Rs.      2.200 Millions (Existing)

Adhoc C.C  Rs.    25.000 Millions (Fresh)

Total           Rs.  580.600 Millions

 

FIXED ASSETS

 

·         Plant and Machinery

·         Factory Building

·         Land

·         Furniture and Fixtures

·         Vehicle

·         Computer

·         Machine Tools

·         Generator

·         Air Conditioners

 


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.53.63

UK Pound

1

Rs.86.18

Euro

1

Rs.69.75

 

 

INFORMATION DETAILS

 

Information Gathered by :

PJA

 

 

Report Prepared by :

NID

 


 

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

3

--LEVERAGE

1~10

3

--RESERVES

1~10

3

--CREDIT LINES

1~10

3

--MARGINS

-5~5

-

DEMERIT POINTS

 

 

--BANK CHARGES

YES/NO

NO

--LITIGATION

YES/NO

NO

--OTHER ADVERSE INFORMATION

YES/NO

NO

MERIT POINTS

 

 

--SOLE DISTRIBUTORSHIP

YES/NO

NO

--EXPORT ACTIVITIES

YES/NO

NO

--AFFILIATION

YES/NO

NO

--LISTED

YES/NO

NO

--OTHER MERIT FACTORS

YES/NO

YES

TOTAL

 

31

 

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.