MIRA INFORM REPORT

 

 

Report Date :

29.09.2012

 

IDENTIFICATION DETAILS

 

Name :

SHREE GANESH REMEDIES PRIVATE LIMITED

 

 

Registered Office :

Plot No.6011, GIDC Estate, Near Aventis Pharma, Ankleshwar-393002, Gujarat

 

 

Country :

India

 

 

Financials (as on) :

31.03.2011

 

 

Date of Incorporation :

27.04.1995

 

 

Com. Reg. No.:

04-025661

 

 

Capital Investment / Paid-up Capital :

Rs.10.297 Millions

 

 

CIN No.:

[Company Identification No.]

U24230GJ1995PTC025661

 

 

IEC No.:

3405004454

 

 

PAN No.:

[Permanent Account No.]

AAPFS3199F

 

 

Legal Form :

Private Limited Liability Company

 

 

Line of Business :

Manufacturers of Pharmaceuticals, Intermediates, Fine Chemicals

 

 

No. of Employees :

27 (Approximately) (In Office – 7  and In Factory - 20)

 

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba (46)

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

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

Satisfactory

 

Maximum Credit Limit :

USD 190000

 

 

Status :

Satisfactory

 

 

Payment Behaviour :

Usually correct

 

 

Litigation :

Clear

 

 

Comments :

Subject belong to the Ganesh Group. It is and established company having satisfactory track. There appears slight dip in the sales turnover and profits during 2011.

 

However, trade relations are reported as fair. Business is active. Payments are reported to be usually correct.

 

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

 

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. Chandubhai Manubhai Kothia

Designation :

Director

Contact No.:

91-9328301671

Date :

28.09.2012

 

 

LOCATIONS

 

Registered Office / Factory :

Plot No.6011, GIDC Estate, Near Aventis Pharma, Ankleshwar-393002, Gujarat, India

Tel. No.:

91-2646-221564/ 227777/ 327778

Mobile No.:

91-9328301671 (Mr. Chandubhai Manubhai Kothia)

Fax No.:

91-2646-226422

E-Mail :

ashoksamani@yahoo.co.in

chandu.kothia@ganeshremedies.com  

hardikkakadiya@yahoo.com

Website :

http://www.ganeshremedies.com

Area :

102590 Sq. ft

Location :

Leased 

 

 

Factory :

303/C16, Tulsikunj Society, GIDC Estate, Ankleshwar, Bharuch-393002, Gujarat, India

Tel. No.:

91-264-251059

Area :

3168 Sq. ft

Location :

Leased 

           

 

DIRECTORS

 

As on 30.09.2011

 

Name :

Mr. Chandubhai Manubhai Kothia

Designation :

Director

Address :

303/C16, Tulsikunj Society, GIDC Estate, Ankleshwar, Bharuch-393002, Gujarat, India

Date of Birth/Age :

01.12.1962

Qualification :

M.SC, D.Pharam

Experience :

22 Years

Date of Appointment :

27.04.1995

DIN No.:

00652806

 

 

Name :

Mr. Hasmukh Manubhai Kothia

Designation :

Director

Address :

406/15, Sardar Patel Society, GIDC Estate, Ankleshwar, Bharuch-393002, Gujarat, India

Date of Birth/Age :

01.07.1955

Qualification :

B.Sc., D. Pharm.

Experience :

22 Years

Date of Appointment :

27.04.1995

DIN No.:

01076206

 

 

Name :

Mr. Ashokkumar Manubhai Kothia

Designation :

Director

Address :

4, Navjeevan Co-operative Housing Society, GIDC, Estate, Ankleshwar, Bharuch-393002, Gujarat, India

Date of Birth/Age :

01.06.1969

Qualification :

B.Sc.

Experience :

22 Years

Date of Appointment :

27.04.1995

DIN No.:

01076171

 

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

As on 30.09.2011

 

Names of Shareholders

 

No. of Shares

Vasoya Thakershibhai Arun

 

37773

Kanani Gordhanbhai Arvind

 

1000

Kothia Manubhai Ashok

 

50000

Kotadiya Khodabhai Babu

 

26574

Kothia Manubhai Babu

 

70000

Vora Bhagvanbhai Balu

 

7773

Kathiriya Mansukhbhai Bharat

 

1000

Kothia Manubhai Chandu

 

120000

Malaviya Mohanbhai Chhagan

 

8182

Vora Vallabhbhai Dhiru

 

31893

Vora Mansukhbhai Dinesh

 

1000

Kanani Vaghjibhai Gordhan

 

1000

Vasoya Arunbhai Hansaben

 

30000

Kothia Chandubhai Hansaben

 

68313

Kothia Manubhai Hasmukh

 

124340

Savaliya Shambhubhai   Hasmukh

 

5000

Malaviya Kanjibhai Jagdish

 

1000

Bhandari Mansukhbhai Kailashben

 

15804

Malaviya Mohanbhai Kanji

 

13358

Kothia Hasmukhbhai Ketan

 

16000

Vora Vallabhbhai Kishor

 

3197

Sheladiya M Magan

 

31951

Vora Bhagvanbhai Mansukh

 

16000

Kathiriya Vallabhbhai Mansukh

 

11000

Kothia Jeevabhai Manu

 

165761

Malaviya Mohanbhai Manu

 

31767

Kothia Subhash Meenaben

 

2512

Vora Bhagvanbhai Nanu

 

1000

Kothia Ketan Pratibhaben

 

8773

Bhanderi Parshottambhai Pravin

 

11000

Nasit Bhagvanbhai Ramesh

 

500

Kothia Hasmukhbhai Sanjay

 

15500

Kothia Babubhai Subhash

 

85761

Patoliya  Arvindbhai Suchita

 

1000

Gadhiya Bhagvanbhai Valji

 

1000

Kothia Ashokbhai Vilas

 

11000

Kanani Vaghjibhai Vinu

 

2000

Total

 

1029732

 

 

As on 30.09.2011

Equity Share Break up (Percentage of Total Equity)

 

Category

Percentage

Directors or relatives of Directors

100.00

Total

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Manufacturers of Pharmaceuticals, Intermediates, Fine Chemicals

 

 

Exports :

 

Products :

Pharmaceuticals, Intermediates, Fine Chemicals

Countries :

·         Egypt

·         Uk

 

 

Imports :

 

Products :

Raw Material

Countries :

·         China

·         Egypt

 

 

Terms :

 

Selling :

L/C / Cash / Credit (30 Days / 60 Days)

 

 

Purchasing :

L/C / Cash / Credit (30 Days / 60 Days)

 

PRODUCTION STATUS (As on 31.03.2011)

 

Particulars

Unit

Licensed Capacity

Installed Capacity

Actual Production

Bulk Drug Intermediates and Fine Chemicals

MT

 

910.00

355.09

 

Note:- The above capacity has been absorbed during the year in the manufacturing of own goods as well as under jobwork

 

GENERAL INFORMATION

 

Suppliers :

·         Syntor Fine Chemical

·         Adarsh Hardware and Paints Stores

·         AH Chemicals Limited

·         Ajanta Corporation

·         Ajanta Polymers

·         Ambica Ice Industries

·         Akshar Electrics and Electronics

·         Analpa Industries

·         Are Enterpries

·         Ashok Impex

·         Bansal Marketing

·         BASP Chemical Products Limited

·         Bhagyalaxmi Steel Suppliers

·         Bhavani Hardware

·         Black Rose Industries Limited

·         Ganesh Corporation

·         Gayatri Chemicals Industries

·         H.B.Chemicals

·         Hindustan Speciality Chemicals

·         Jayant Packing Industries

·         Inter Plastica Private Limited

·         Kapadia Impex Mumbai

·         Luna Chemical Industries Private Limited

·         Manali Containers

 

 

Customers :

Wholesalers, Retailers and End Users 

 

·         Agan Aroma and Fine Chemicals Limited

·         Ami Organics Private Limited

·         Amneal Pharmaceuticals Company Private Limited

·         Aniket Pharma Private Limited

·         Astrix laboratories Limited

·         Cadila Healthcare Limited

·         Colourtex Industries Limited

·         Chandra Life Sciences Private Limited

·         Dolphin Chem

·         Dayaram Chemicals Private Limited

·         Dr. Prems Molecules Private Limited

·         Hetero Labs Ltd (Unit - III)

·         IPCA Laboratories Limited

·         K. Rasiklal Exim Private Limited

·         Metro Chem API Private Limited (Unit - I)

·         Piramal Healthcare Limited

·         Pravin Laboratories Private Limited

·         Rakshit Pharmaceuticals Limited

·         Sharon Biomedicine Limited

·         Siddharth Interchem Private Limited

·         Survival Technologies Private Limited

·         Sun Pharmaceutical Industries Private Limited

·         Suyog Dyechemie Private Limited

·         Synth Services

·         Syntor Fine Chemicals Limited, England

·         ZCL Chemicals Limited

 

 

No. of Employees :

27 (Approximately) (In Office – 7  and In Factory - 20)

 

 

Bankers :

·         Axis Bank Limited Vardhman Complex, Opposite G.E.B Office, Race Cource (North), Vadodara - 390007, Gujarat, India

·         State Bank of Saurashtra, GIDC, Ankleshwar, Gujarat, India

·         Bank of Baroda

 

 

Facilities :

Cash Credit Rs.29.000 Millions (Form Axis Bank Limited)

(Rs. In Millions)

Secured Loan

As on

31.03.2011

As on

31.03.2010

Working Capital Facilities

Axis Bank CC (A/c - 013010300013721)

0.053

8.798

Term Loan

 

 

HDFC Bank Car Loan (Innova)

0.554

0.833

HDFC Bank Car Loan (Swift Dzire)

0.410

0.000

SIDBI Term Loan -1 (A/c No.20010028)

0.000

0.152

SIDBI Term Loan -2 (A/c No.20010073)

3.515

5.528

SIDBI Term Loan -3 (A/c No.20470025)

3.485

4.441

SIDBI Term Loan -4 (A/c No.BRDDF0410344003)

7.552

0.000

Total

15.569

19.752

 

 

 

Unsecured Loan

As on

31.03.2011

As on

31.03.2010

From Directors

Hasmukhbhai M Kothia

0.076

0.069

From Friends and Relatives of Directors

0

0

Arvindbhai G. Kanani

0.410

0.370

Arvindbhia T. Vasoya

0.154

0.139

Ashokbhai M Kothia (HUF)

0.083

0.075

Babubhai Manubhai Kothia

0.000

0.107

Champaben B Kothia

0.000

0.376

Dinesh Mansukhbhai Vora

0.696

0.628

Hansaben C Kothia

0.124

0.112

H.M Kothia (HUF)

0.382

0.615

Ketan H Kothia

0.311

0.239

Ketan H Kothia (HUF)

0.000

0.281

Manjulaben H Kothia

0.982

0.886

Manubhai J Kothia

0.295

0.266

Sanjay H Kothia

0.315

0.284

Subhash B Kothia

0.055

0.050

Vilasben Ashokbhai Kothia

0.468

0.422

Total

4.351

4.919

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

J.R. Kakadiya and Company

Chartered Accountants

Address :

A-205, City Centre, Near Reshambhavan, Lal Darwaja Surat – 395003, Gujarat, India

Tel. No.:

91-2646-238241

Mobile No.:

91-9925004220

E-Mail :

jrkakadiyaca@yahoo.com

PAN.:

AAEFJ8607Q

 

 

Firm under common Control:

·         Shree Ganesh Chemicals

·         Ashok Pharma Chem

 

 

Firm of Relatives of Director

·         Ashok Impex

·         Ganesh Corporation

 

 

Company under common Control

 Ankleshwar Research and Analytical Infrastructure Limited

 

 

Sister Concern :

Shree Ganesh Chemicals

Address: Plot No.6715, GIDC Estate, Ankleshwar, District Bharuch, Gujarat

 

Shree Pigments Private Limited

Address: A-1, 405, GIDC, Ankleshwar, District Bharuch, Gujarat

 

 

CAPITAL STRUCTURE

 

As on 31.03.2011

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

1500000

Equity Shares

Rs.10/- each

Rs.15.000 Millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

1029732

Equity Shares

Rs.10/- each

Rs.10.297 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

10.297

10.297

7.090

2] Share Application Money

0.000

0.000

0.000

3] Reserves & Surplus

38.920

29.560

9.088

4] (Accumulated Losses)

0.000

0.000

0.000

NETWORTH

49.217

39.857

16.178

LOAN FUNDS

 

 

 

1] Secured Loans

15.569

19.752

14.681

2] Unsecured Loans

4.351

4.919

7.067

TOTAL BORROWING

19.920

24.671

21.748

DEFERRED TAX LIABILITIES

1.391

1.102

0.000

 

 

 

 

TOTAL

70.528

65.630

37.926

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

35.872

33.399

21.608

Capital work-in-progress

0.000

0.000

0.000

 

 

 

 

INVESTMENT

0.500

0.450

0.450

DEFERREX TAX ASSETS

0.000

0.000

0.000

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

14.117

9.327

10.912

 

Sundry Debtors

21.063

36.020

17.016

 

Cash & Bank Balances

11.850

1.827

4.384

 

Other Current Assets

0.000

0.000

0.000

 

Loans & Advances

11.027

15.467

4.982

Total Current Assets

58.057

62.641

37.294

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Sundry Creditors

17.419

22.826

19.549

 

Other Current Liabilities

0.000

0.000

0.000

 

Provisions

6.482

8.034

1.950

Total Current Liabilities

23.901

30.860

21.499

Net Current Assets

34.156

31.781

15.795

 

 

 

 

MISCELLANEOUS EXPENSES

0.000

0.000

0.073

 

 

 

 

TOTAL

70.528

65.630

37.926

 


PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

31.03.2011

31.03.2010

31.03.2009

 

SALES

 

 

 

 

 

Income

108.142

129.337

66.699

 

 

Other Income

3.214

3.031

1.985

 

 

TOTAL                                    

111.356

132.368

68.684

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Increase / Decrease in Stock

(0.448)

(0.400)

(2.686)

 

 

Material Costs

61.046

61.576

45.698

 

 

Manufacturing & Operating Expenses

13.831

21.237

5.528

 

 

Employee's Remuneration & Benefits

6.474

5.388

2.853

 

 

Sales & Administrative Expenses

11.450

16.497

9.417

 

 

Preliminary Expenses

0.000

0.073

0.074

 

 

TOTAL                                    

92.353

104.371

60.884

 

 

 

 

 

 

PROFIT BEFORE TAX, DEPRECIATION AND AMORTISATION

19.003

27.997

7.800

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                    

5.017

3.350

2.912

 

 

 

 

 

 

PROFIT BEFORE TAX 

13.986

24.647

4.888

 

 

 

 

 

Less

TAX                             

4.626

8.276

1.415

 

 

 

 

 

 

PROFIT AFTER TAX

9.360

16.371

3.473

 

 

 

 

 

Add

PREVIOUS YEARS’ BALANCE BROUGHT FORWARD

25.451

9.088

5.647

 

 

 

 

 

Less

APPROPRIATIONS

 

 

 

 

 

Advance Carried Forward

0.000

0.008

0.032

 

BALANCE CARRIED TO THE B/S

34.811

25.451

9.088

 

 

 

 

 

 

Earnings Per Share (Rs.)

9.09

22.25

4.90

 

 

Particulars

 

 

 

31.03.2012

Sales Turnover (Approximately)

 

 

150.000

 

Expected Sales (2012-13) : Rs.160.000 Millions

 

The above information has been parted by Mr. Chandubhai Manubhai Kothia

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2011

31.03.2010

31.03.2009

PAT / Total Income

(%)

8.41

12.37

5.06

 

 

 

 

 

Net Profit Margin

(PBT/Sales)

(%)

12.93

19.06

7.33

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

14.89

25.66

8.30

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

0.28

0.62

0.30

 

 

 

 

 

Debt Equity Ratio

(Total Liability/Networth)

 

0.89

1.39

2.67

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

2.43

2.03

1.73

 

 

 

LOCAL AGENCY FURTHER INFORMATION

 

DETAILS OF SUNDRY CREDITORS

Rs. In Millions

Particular

31.03.2011

31.03.2010

31.03.2009

Sundry Creditors for Goods

12.514

14.180

14.757

Sundry Creditors for Expenses

4.905

8.646

4.792

Total

17.419

22.826

19.549

 

 

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 three 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

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

No

34]

External Agency Rating, if available

No

 

Note:

The registered office of the company has been shifted from Plot No.6715, GIDC Estate, Ankleshwar, District Bharuch, Gujarat, India to present address w.e.f.25.04.2007

 

 

WORKING AND OPERATIONS

 

The company has instelled a new plant for recovery of Sodium Bi-Sulphite for protection of environment

 

For a better in house atmosphere, the company has Installed LEV (Local Exhaust Ventilation) System during the year for the absorption of in house gasses.

 

The company has also installed ANF (Agitator Nutch Filter) for the recovery of solvent, not only preventing loss of handling of product, but also protecting the environment. Due to the implementation of the ANF the concern related to solvent evaporation has been reduced by the system wherein filtration under vacuum or pressure can be carried out in closed vessels and solids can be discharged straightaway into drier. Further, Personal safety is maintained and heat transfer surfaces can be provided to maintain filtration temperature. This has also led to considerable saving in manpower and also a saving in solvent recovery. Besides, Company was engaged in the acquisition of a newly formed sister concern with new segment of Pigments to bring it under the same group head of Ganesh Group of Industries.

 

Facilities in R and D Laboratory have been upgraded through introduction of latest technology analysis equipment like HPLC, GC etc. of reknowned make like Agilent Technologies, Singapore. This would help the company in providing quality products with utmost care.

 

The company has ensured various measures in improvising material handling and packing activity through the installation and use of AHU equipments.

 

 

TRADE REFERENCES

·       Vat Chem, (91-9324966066 Ghanshyam Vasoya, 1305, Shivpuri Tower, Boriwali (West), Mumbai, Maharashtra, India )

·       Dyaram Chemicals (91-932005092, 91-22-228022549 Joe Vedmurthu, D-105, Kirshna Nagari)

·       Syntor Fine Chemical Limited

 

COMMITMENTS AND CONTINGENT ASSETS & LIABILITIES

Rs. in Millions

Particular

31.03.2011

31.03.2010

i) Commitments / Contingent Liabilities

 

 

Guarantees issued by banks

Nil

Nil

Guarantees issued by the company to others

Nil

Nil

Bank Guarantee to CBEC - Customs Guarantee

1.676

1.676

Counter Guarantee with associate concern

Nil

Nil

ii) Claims against company not acknowledged as debt

Nil

Nil

iii) Claims by company not acknowledged as debt

 

 

Claim for Delay Payment Int. from Rantus Pharma Private Limited

Nil

0.981

iv) Estimated amount of Contracts remaining to be executed on

 

 

Capital Account and not provided for

Nil

Nil

v) Pending Statutory Liabilities

Nil

Nil

 

 

BANKERS CHARGES REPORT AS PER REGISTRY

 

Corporate identity number of the company

U24230GJ1995PTC025661

Name of the company

SHREE GANESH REMEDIES PRIVATE LIMITED

 

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

Plot No.6011, GIDC Estate, Near Aventis Pharma, Ankleshwar-393002, Gujarat, India

hardikkakadiya@yahoo.com

This form is for

Modification of charge

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

10090137

Type of charge

·         Book debts

·         Movable property (not being pledge)

Particular of charge holder

Axis Bank Limited Vardhman Complex, Opposite G.E.B Office, Race Cource (North), Vadodara - 390007, Gujarat, India

anup.nihalani@axisbank.com

Nature of instrument creating charge

Deed of hypothecation

Date of instrument Creating the charge

29.02.02012

Amount secured by the charge

Rs.51.490 Millions

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

Rate of Interest

SIDBI Loan:

Rs. 9.990 Millions- ROI 11.50%

Rs.5.000 Millions - ROI 11.00%

Rs.7.500 Millions - ROI 11.00%

 

Terms of Repayment

SIDBI Loan:

Loan of Rs.9.990 Millions - 20 Installments (19x0.500 Million + 4.90x1)

Loan of Rs.5.000 Millions - 60 Installments (59x84000 + 1x44000)

Loan of Rs.7.500 Millions - 48 Installments (47x155000 +1x215000)

All becoming due on 10th of each month

Axis Bank:

CC Rs. 19.000 Millions - on Demand

LC Rs. 10.000 Millions - on Demand

 

Margin

Axis Bank:

LC Rs. 10.000 Millions - 15% Margin

CC - 25% on Stock and 40% on Book Debts

 

Extent and Operation of the charge

Extent and Operation of the Charge is 100%

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

All current assets of the borrower incl. Stocks, raw materials stock in process, finished and semi finished goods, consumables stores and book debts and all other receivables etc, both present & future

Date of instrument modifying the charge

02.02.2011

Particulars of the present modification

Axis Bank Limited had vide Letter No.AXISB/VAD/CR/11-12/1613 had permitted SIDBI to create second charge to the extent of Rs.224.90 lacs over the current assets of the borrower charged as primary security towards various credit facilities from Axis Bank Limited, who continues to hold first charge for Rs.29.000 Millions. Pursuant to the above, SIDBI has hypothecated the said assets on second charge basis vide hypothecation deed date.29.02.2012.

 

FIXED ASSETS

 

·         Plant and Machinery

·         Electrical Installation

·         Furniture and Fixtures

·         ETP Machinery

·         Factory Building

·         Gas Connection

·         Instalation and Erection

·         Computer

·         Laboratory Equipment

·         Air Conditioner

·         Motor Car

·         Toyota Innova 2.5L VX-7S

·         Mobile Instrument

·         Telephone Instrument

·         Vehicle

·         Cycles

·         Photocopier Device

 

 


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 suject 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.52.70

UK Pound

1

Rs.85.71

Euro

1

Rs.68.15

 

 

INFORMATION DETAILS

 

Information Gathered by :

PJA

 

 

Report Prepared by :

NTH

 


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

4

PAID-UP CAPITAL

1~10

4

OPERATING SCALE

1~10

6

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

6

--PROFITABILIRY

1~10

5

--LIQUIDITY

1~10

5

--LEVERAGE

1~10

5

--RESERVES

1~10

5

--CREDIT LINES

1~10

6

--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

 

46

 

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.