MIRA INFORM REPORT

 

 

 

Report Date :

12.09.2012

 

IDENTIFICATION DETAILS

 

Name :

GLOBAL ENERGY FOOD INDUSTRIES PRIVATE LIMITED

 

 

Registered Office :

Hotel Airlink, 75, Off Nehru Road, Near Santacruz Airport, Vile Parle (East), Mumbai – 400057, Maharashtra

 

 

Country :

India

 

 

Date of Incorporation :

25.10.2011

 

 

Com. Reg. No.:

11-223441

 

 

Capital Investment / Paid-up Capital :

Rs. 40.399 Millions

 

 

CIN No.:

[Company Identification No.]

U15400MH2011PTC223441

 

 

Legal Form :

Private Limited Liability Company

 

 

Line of Business :

Manufacturer and Exporter of Biscuits and Confectionery Products.

 

 

No. of Employees :

250 (Approximately)

 

 

RATING & COMMENTS

 

MIRA’s Rating :

B (27)

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Maximum Credit Limit :

USD 160000

 

 

Status :

Moderate

 

 

Payment Behaviour :

Slow but correct

 

 

Litigation :

Clear

 

 

Comments :

Subject was established as a partnership concern in the year 2005 with the name ‘Global Energy Food Industries’ and recently in 2011, it got converted into a Private Limited.

 

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

 

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.

 

 

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. R.S. Shah

Designation :

Accountant

Contact No.:

91-22-65701007

Date :

24.08.2012

 

LOCATIONS

 

Registered Office :

Hotel Airlink, 75, Off Nehru Road, Near Santacruz Airport, Vile Parle (East), Mumbai – 400057, Maharashtra, India

Tel. No.:

91-22-65701007

Mobile No. :

91-9820700011 (Mr. Deepak)

Fax No.:

91-22-26134034

E-Mail :

globalenergyfoods@gmail.com

globalenergyfood@yahoo.co.in

Website :

http://www.globalfood.co.in

Area :

1000 Sq ft

Location :

Owned

 

 

Factory 1 :

173, Opposite Telephone Exchange, G.I.D.C. Estate, Naroda, Ahmedabad- 382330 Gujarat, India

Tel. No.:

91-79-22822994/ 22822995

Fax No.:

91-79-22822996

 

 

DIRECTORS

 

AS ON: 07.09.2011

 

Name :

Mr. Narayan Jethanand Pagrani

Designation :

Director

Address :

22, Orchid Apartment, Near Dilip Kumar Bunglow, Pali Hill, Bandra (West), Mumbai – 400050, Maharashtra, India 

Date of Birth/Age :

06.05.1948

DIN No.:

00284274

 

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

U55200MH1984PTC033067

UNIVERSAL HOTELS PRIVATE LIMITED

Director

18/10/1984

18/10/1984

Active

NO

2

U45201MH1996PTC103953

A.SURTI DEVELOPERS PRIVATE LIMITED

Managing director

01/11/2004

01/11/2004

Active

NO

3

U15500MH2007PTC205192

UNIVERSAL CONFECTIONERY AND FOOD PRODUCTS PRIVATE LIMITED

Director

19/06/2009

19/06/2009

Active

NO

4

U01100MH2004PTC045303

SAMARTH GURU AGRO FARMS PRIVATE LIMITED

Director

01/06/2010

01/06/2010

Active

NO

5

U45400MH2011PTC219667

A SURTI CONSTRUCTIONS PRIVATE LIMITED

Director

12/07/2011

12/07/2011

Active

NO

6

U15400MH2011PTC223441

GLOBAL ENERGYFOOD INDUSTRIES PRIVATE LIMITED

Director

25/10/2011

25/10/2011

Active

NO

7

U15122MH2011PTC223517

GLOBAL CONFECTIONERY AND GROCERIES PRIVATE LIMITED

Director

31/10/2011

31/10/2011

Active

NO

8

U93000MH2012PTC226271

UNIVERSAL IMPORT EXPORT INDIA PRIVATE LIMITED

Director

20/01/2012

20/01/2012

Active

NO

 

 

Name :

Mr. Narendra Narayan Pagrani

Designation :

Director

Address :

8th Floor, 802, Golden Peak Building, Ambedkar Road, Khar (West), Mumbai – 400052, Maharashtra, India 

Date of Birth/Age :

07.03.1972

DIN No.:

02686394

 

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

U55200MH1984PTC033067

UNIVERSAL HOTELS PRIVATE LIMITED

Director

04/07/1994

04/07/1994

Active

NO

2

U45201MH1996PTC103953

A.SURTI DEVELOPERS PRIVATE LIMITED

Director

01/11/2004

01/11/2004

Active

NO

3

U15400MH2011PTC223441

GLOBAL ENERGYFOOD INDUSTRIES PRIVATE LIMITED

Director

25/10/2011

25/10/2011

Active

NO

4

U15122MH2011PTC223517

GLOBAL CONFECTIONERY AND GROCERIES PRIVATE LIMITED

Director

31/10/2011

31/10/2011

Active

NO

5

U93000MH2012PTC226271

UNIVERSAL IMPORT EXPORT INDIA PRIVATE LIMITED

Director

20/01/2012

20/01/2012

Active

NO

 

 

Name :

Mrs. Sonia Rajesh Punjabi

Designation :

Director

Address :

401, Kesar Kripa, Plot No. 361, 14th Road, Khar, Mumbai – 400050, Maharashtra, India 

Date of Birth/Age :

19.12.1973

DIN No.:

02701794

 

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

U15400MH2011PTC223441

GLOBAL ENERGYFOOD INDUSTRIES PRIVATE LIMITED

Director

25/10/2011

25/10/2011

Active

NO

2

U15122MH2011PTC223517

GLOBAL CONFECTIONERY AND GROCERIES PRIVATE LIMITED

Director

31/10/2011

31/10/2011

Active

NO

 

 

Name :

Mr. Suresh Kanayalal Bhirwani Aka Bherwani

Designation :

Director

Address :

S/R No 377/B, Near Block No 289/A, Sardar Nagar Sindhi Colony, Ahmedabad – 382475,  Gujarat, India 

Date of Birth/Age :

01.06.1967

DIN No.:

02701784

 

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

U15500MH2007PTC205192

UNIVERSAL CONFECTIONERY AND FOOD PRODUCTS PRIVATE LIMITED

Director

15/10/2010

15/10/2010

Active

NO

2

U15400MH2011PTC223441

GLOBAL ENERGYFOOD INDUSTRIES PRIVATE LIMITED

Director

25/10/2011

25/10/2011

Active

NO

3

U15122MH2011PTC223517

GLOBAL CONFECTIONERY AND GROCERIES PRIVATE LIMITED

Director

31/10/2011

31/10/2011

Active

NO

 

 

Name :

Mr. Narendra Jethanand Pagrani

Designation :

Director

Address :

Flat No. 202, Orchid Building, 2nd Floor, Pali Hill, Bandra (West), Mumbai – 400050, Maharashtra, India 

 

 

Name :

Ms. Meena Narayan Pagrani

Designation :

Director

Address :

Flat No. 202, Orchid Building, 2nd Floor, Pali Hill, Bandra (West), Mumbai – 400050, Maharashtra, India 

 

 

Name :

Ms. Saanya Narendra Pagrani

Designation :

Director

Address :

Flat No. 202, Orchid Building, 2nd Floor, Pali Hill, Bandra (West), Mumbai – 400050, Maharashtra, India 

 

 

Name :

Ms. Komal Bhirwani

Designation :

Director

Address :

S/R No 377/B, Near Block No 289/A, Sardar Nagar Sindhi Colony, Ahmedabad – 382475,  Gujarat, India 

 

 

KEY EXECUTIVES

 

Name :

Mr. R.S. Shah

Designation :

Accountant

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

AS ON: 07.09.2011

 

Names of Shareholders

No. of Shares

Universal Hotels Private Limited, India

181797

Suresh Bherwani

1636169

Narayan J. Pagrani

383793

Meena N. Pagrani

383793

Narendra N. Pagrani

383793

Saanya Pagrani

181797

Sonia Rajesh Punjabi

504990

Komal Suresh Bherwani

383793

TOTAL

4039925

 

 

BUSINESS DETAILS

 

Line of Business :

Manufacturer and Exporter of Biscuits and Confectionery Products.

 

 

GENERAL INFORMATION

 

Suppliers :

Topaz International, Bombay

 

 

Customers :

Wholesalers, Retailers and End Users

 

·         Sony Company Impex

 

 

No. of Employees :

250 (Approximately)

 

 

Bankers :

Bank of Baroda, Bandra (West) Branch, 6, Meghdoot, Junction of, Turner Road and Linking Road, Bandra (West),  Mumbai - 400050, Maharashtra, India

 

 

Facilities :

Total Facilities Rs.320.000 Millions (From  Bank of Baroda)

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

D.J. Bhambani and Company

Chartered Accountants

Address :

205, Ambica Cloth Market-2, 2nd Floor, Near Klupur Gate, Kalupur, Kotni Rang, Ahmedabad-380001, Gujarat, India

Tel No.:

91-79-22139496 / 22172764

Mobile No.:

91-9825094544

Email :

djbhambhani@yahoo.com

 

 

Sister Concern :

Name: Global Confectionery and Grossery Private Limited

Address: Hotel Airlink, 75, Opposite Nehru Road, Near Santacruz Airport, Vile Parle (East), Mumbai – 400057, Maharashtra, India

Line of Business: Manufacturer and Exporter of Biscuits and Confectionery Products.

 

 

CAPITAL STRUCTURE

 

Authorised Capital :

 

No. of Shares

Type

Value

Amount

 

 

 

 

5000000

Equity Shares

Rs.10/- each

Rs. 50.000 Millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

 

No. of Shares

Type

Value

Amount

 

 

 

 

4039925

Equity Shares

Rs.10/- each

Rs. 40.399 Millions

 

 

 

 

 


 

FINANCIAL DATA

[all figures are in Rupees Millions]

 

Particulars

 

 

 

31.03.2012

Sales Turnover (Approximately)

 

 

605.000

 

 

 

 

 

Expected Sales (2012-2013): Rs.750.000 Millions

 

The above information has been parted by Mr. R.S. Shah

 

 

[GLOBAL ENERGY FOOD INDUSTRIES - PARTNERSHIP CONCERN]

 

ABRIDGED BALANCE SHEET

SOURCES OF FUNDS

 

 

31.03.2011

[Consolidated]

31.03.2010

SHAREHOLDERS FUNDS

 

 

 

1] Share Capital

 

134.211

109.258

2] Share Application Money

 

0.000

0.000

3] Reserves & Surplus

 

0.000

0.000

4] (Accumulated Losses)

 

0.000

0.000

NETWORTH

 

134.211

109.258

LOAN FUNDS

 

 

 

1] Secured Loans

 

213.403

164.387

2] Unsecured Loans

 

0.000

0.000

TOTAL BORROWING

 

213.403

164.387

DEFERRED TAX LIABILITIES

 

0.000

0.000

 

 

 

 

TOTAL

 

347.614

273.645

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

 

141.642

100.634

Capital work-in-progress

 

0.000

0.000

 

 

 

 

INVESTMENT

 

0.000

0.000

DEFERREX TAX ASSETS

 

0.000

0.000

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

 

28.794

11.310

 

Sundry Debtors

 

142.239

99.101

 

Cash & Bank Balances

 

37.178

30.331

 

Other Current Assets

 

0.672

0.648

 

Loans & Advances

 

47.121

41.208

Total Current Assets

 

256.004

182.598

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Sundry Creditors

 

43.028

2.295

 

Other Current Liabilities

 

5.443

4.740

 

Provisions

 

3.810

2.552

Total Current Liabilities

 

52.281

9.587

Net Current Assets

 

203.723

173.011

 

 

 

 

MISCELLANEOUS EXPENSES

 

2.249

0.000

 

 

 

 

TOTAL

 

347.614

273.645

 

 

PROFIT & LOSS ACCOUNT

 

[GLOBAL ENERGY FOOD INDUSTRIES - PARTNERSHIP CONCERN]

 

 

 

PARTICULARS

 

31.03.2011

[Consolidated]

31.03.2010

 

SALES

 

 

 

 

 

Income

 

402.086

277.818

 

 

Other Income

 

3.612

4.195

 

 

TOTAL                                    

 

405.698

282.013

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Cost of Goods Sold

 

297.449

201.475

 

 

Ocean Freight Charges

 

45.171

29.828

 

 

Carriage Outward

 

8.075

5.436

 

 

Dalali / Commission Expenses

 

1.558

0.146

 

 

ECGC Premium

 

0.681

0.504

 

 

Professional Fees

 

0.597

0.408

 

 

Salaries

 

2.274

1.654

 

 

Sial Exhibition Expenses

 

1.194

0.000

 

 

Other Expenses

 

5.994

3.388

 

 

TOTAL                                    

 

362.993

242.839

 

 

 

 

 

Less

PROFIT BEFORE INTEREST, TAX, DEPRECIATION AND AMORTISATION

 

42.705

39.174

 

 

 

 

 

Less

FINANCIAL EXPENSES                        

 

14.177

11.860

 

 

 

 

 

 

PROFIT BEFORE TAX, DEPRECIATION AND AMORTISATION

 

28.528

27.314

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                    

 

0.074

0.064

 

 

 

 

 

 

NET PROFIT

 

28.454

27.250

 

KEY RATIOS

 

PARTICULARS

 

 

 

31.03.2011

[Consolidated]

31.03.2010

Debt Equity Ratio

(Total Liability/Networth)

 

 

1.98

1.59

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

 

4.90

19.05

 

 

 

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

Yes

12]

Profitability for last two years

Yes

13]

Reasons for variation <> 20%

--

14]

Estimation for coming financial year

Yes

15]

Capital in the business

Yes

16]

Details of sister concerns

Yes

17]

Major suppliers

Yes

18]

Major customers

Yes

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

No

 

 

Bankers Charges Report as per Registry

 

Corporate identity number (CIN) or foreign company registration number of the company

U15400MH2011PTC223441

Name of the company

GLOBAL ENERGY FOOD INDUSTRIES PRIVATE LIMITED

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

Hotel Airlink, 75, Off Nehru Road, Near Santacruz Airport, Vile Parle (East), Mumbai – 400057, Maharashtra, India

E-mail: globalenergyfoods@gmail.com

This form is for

Creation of charge

Type of charge

·         Immovable property

·         Any interest in immovable property

Particular of charge holder

Bank of Baroda, Bandra (West) Branch, 6, Meghdoot, Junction of, Turner Road and Linking Road, Bandra (West),  Mumbai - 400050, Maharashtra, India

E-mail: shirishshetye@gmail.com

Nature of instrument creating charge

Memorandum and Articles of Association of the Company and Certificate of Incorporation.

Memorandum of Entry for Extension of Existing Mortgage (Executed by the partners of Global Energy Food Industries, a partnership firm which was converted into Private Limited Company under Part IX of the Companies Act, 1956).

 

(All the documents are create a single charge)

Date of instrument Creating the charge

25.10.2011

Amount secured by the charge

Rs. 363.600 Millions

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

Rate of Interest

Interest to be charged as per Sanction/review of the account from time to time.

 

Terms of Repayment

As per sanction.

 

Margin

As per sanction.

 

Extent and Operation of the charge

The charge is created, subject to Section 127 of the Companies Act, 1956, to secure the various credit facilities viz. TL I - Rs.2.700 Millions, TL II - Rs.10.400 Millions, TL III - Rs.3.500 Millions, TL IV - Rs.22.000 Millions, TL V - Rs.30.000 Millions, PC/FBP/UFBD - Rs.225.000 Millions, Bank Guarantee - Rs.5.000 Millions, Inland/Import LC 90 days - Rs.15.000 Millions, Stand by limit 20% of export limit - Rs.45.000 Millions and Forward Contract - Rs.5.000 Millions, aggregating to Rs.363.600 Millions.

 

Others

The charge amount of Rs. 363.600 Millions is sanctioned to M/s. Global Energy Food Industries, a partnership firm which was converted into Private Limited Company under Part IX of the Companies Act, 1956 together with interest, compound  interest, further/penal interest in case of default, interest tax, commission, commitment charges, premium on prepayment or on redemption, liquidated damages, cost, charges, expenses etc.

Short particulars of the property or asset(s) charged (including complete address and location of the property)

The properties Plot No.173/A and 173/B, situated and located at GIDC, Naroda Industrial Estate, Naroda, Ahmedabad (Gujarat) admeasuring about 8361.29 sqr. mtrs. There about together with buildings and Fixed structures etc. constructed / erected / installed thereon, errections fixed plant and machinery and other fittings and fixtures now constructed, erected or installed or hereafter to be constructed erected or installed thereon both present and future.

 

 

TRADE REFERENCES

 

  • Topaz International, Bombay
  • Sony Company Impex

 

 


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. 55.52

UK Pound

1

Rs. 88.84

Euro

1

Rs. 70.85

 

 

INFORMATION DETAILS

 

Information Gathered by :

SVA

 

 

Report Prepared by :

DPT

 


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

2

PAID-UP CAPITAL

1~10

4

OPERATING SCALE

1~10

3

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

3

--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

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

 

27

 

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.