MIRA INFORM REPORT

 

 

Report Date :

12.04.2013

 

IDENTIFICATION DETAILS

 

Name :

IMG RELIANCE PRIVATE LIMITED (w.e.f. 12.07.2010)

 

 

Formerly Known As :

SWARNAKALASH TRADING PRIVATE LIMITED

 

 

Registered Office :

Court House, 3rd Floor, Lokmanya Tilak Marg, Dhobi Talao, Mumbai – 400002 Maharashtra

 

 

Country :

India

 

 

Financials (as on) :

31.03.2012

 

 

Date of Incorporation :

19.01.2008

 

 

Com. Reg. No.:

11-178019

 

 

Capital Investment / Paid-up Capital :

Rs.432.534  Millions

 

 

CIN No.:

[Company Identification No.]

U52100MH2008PTC178019

 

 

PAN No.:

[Permanent Account No.]

AALCS6150P

 

 

Legal Form :

Private Limited Liability Company

 

 

Line of Business :

Event Management.

 

 

No. of Employees :

Not Available

 


 

RATING & COMMENTS

 

MIRA’s Rating :

B (35)

 

RATING

STATUS

PROPOSED CREDIT LINE

 

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

 

Maximum Credit Limit :

USD 2500000

 

 

Status :

Moderate

 

 

Payment Behaviour :

Slow but correct

 

 

Litigation :

Clear

 

 

Comments :

Subject is a reliance Group Company.

 

It is an established company having a moderate track record. The company is continuously incurring losses from its operations. The reserves of the company is deteriorating however, the company receives good support from its group company. 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 slight cautions.

 

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.

 

 

LOCATIONS

 

Registered Office :

Court House, 3rd Floor, Lokmanya Tilak Marg, Dhobi Talao, Mumbai – 400002 Maharashtra, India

Tel. No.:

91-22-67673800

Fax No.:

Not Available

E-Mail :

mariyappan.mb@ril.com

khasgiwala.ashwin@gmail.com

 


 

DIRECTORS

 

(AS ON 28.09.2012)

 

Name :

Mr. Mukesh Dhirubhai Ambani

Designation :

Director

Address :

Sea Wind, 39, Cuffe Parade, Colaba, Mumbai – 400005, Maharashtra, India

Date of Birth/Age :

19.04.1957

Date of Appointment :

10.03.2011

DIN No.:

00001695

 

 

Name :

Mrs. Nita Mukesh Ambani

Designation :

Director

Address :

Sea Wind, 39, Cuffe Parade, Colaba, Mumbai – 400005, Maharashtra, India

Date of Birth/Age :

01.11.1962

Date of Appointment :

10.03.2011

DIN No.:

03115198

 

 

Name :

Mr. Ashwin Ahamendra Khasgiwala

Designation :

Director

Address :

A -1, Mahavir Prasad CHS, Subhash Nagar Estate, 390, N. M. Joshi Marg, Chinchpokli, Mumbai – 400011, Maharashtra, India

Date of Birth/Age :

15.03.1973

Date of Appointment :

19.01.2008

DIN No.:

00006481

 

 

Name :

Mr. Michael James Dolan

Designation :

Director

Address :

15 E, 69th ST Apartment, 6 C, New York - 10021

Date of Birth/Age :

09.11.1946

Date of Appointment :

10.03.2011

DIN No.:

03121327

 

 

Name :

Sudhakar Murthy Naratana Saraswatula

Designation :

Director

Address :

A/ 161, Brook Heaven, Jogeshwari – Vikhroli Link Road, Near Majas Depot, Jogeshwari (East), Mumbai – 400053, Maharashtra, India

Date of Birth/Age :

01.07.1957

DIN No.:

00001330

 

 

KEY EXECUTIVES

 

Name :

Mariappan Madubalraj

Designation :

Company Secretary

Address :

Flat No. 403, B Wing, Building No. 69, Tilak Nagar, Chembur, Mumbai – 400 089, Maharashtra, India

Date of Birth/Age :

02.07.1973

Date of Appointment :

18.08.2010

PAN No :

ACEPM7457R

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

(AS ON 28.09.2012)

 

Names of Shareholders

 

 

No. of Shares

 

 

 

Reliance Corporate Services Limited

Address: Court House, 3rd Floor, Lokmanya Tilak Marg, Dhobi Talao, Mumbai - 400002, Maharashtra, India

 

27088469

IMG Singapore PTE Limited

Address: 1 Scotts Road, Shaw Centre #21-01/03 Singapore -228208

 

27088469

 

 

 

Total

 

 

54176938

 

 

AS ON 22.02.2013

 

Names of Allottees

 

 

No. of Shares Allotted

 

 

 

Reliance Corporate Services Limited

Address: Court House, 3rd Floor, Lokmanya Tilak Marg, Dhobi Talao, Mumbai - 400002, Maharashtra, India

 

1771739

IMG Singapore PTE Limited

Address: 1 Scotts Road, Shaw Centre #21-01/03 Singapore -228208

 

1771739

 

 

 

Total

 

 

3543478

 

 

(AS ON 28.09.2012)

Equity Shares Break – up

 

Category

 

 

Percentage

 

 

 

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

 

50.00

Bodies corporate

 

50.00

 

 

 

Total

 

 

100.00

 


 

BUSINESS DETAILS

 

Line of Business :

Event Management.

 

 

GENERAL INFORMATION

 

No. of Employees :

Not Available

 

 

Bankers :

Not Available

 

 

Facilities :

--

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

Deloitte Haskins and Sells

Chartered Accountant

Address :

12, Dr. Annie Besant Road, Opposite Shiv Sagar Estate, Worli, Mumbai – 400018, Maharashtra, India.

PAN No.:

AACFD4815A

 

 

Joint Venture Partner :

·         Reliance Industries Limited, India (RIL)

·         I M G Worldwide INC., US (IMGW)

 

 

Investing subsidiary of RIL :

·         Reliance Corporate Services Limited, India

CIN No. U51109MH2007PLC176255

 

·         IMG Singapore PTE Limited, Singapore

 

 

CAPITAL STRUCTURE

 

(AS ON 28.09.2012)

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

65000000

Equity Shares

Rs.10/- each

Rs.650.000 Millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

61916466

Equity Shares

Rs.10/- each

Rs.619.164 Millions

 

 

 

 

 

 

AS ON 31.03.2012)

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

65000000

Equity Shares

Rs.10/- each

Rs.650.000 Millions

 

 

 

 

 

Issued Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

54176938

Equity Shares

Rs.10/- each

Rs.541.769 Millions

 

 

 

 

 

Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

43253370

Equity Shares

Rs.10/- each

Rs.432.534 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

432.534

358.154

0.100

2] Share Application Money

40.287

79.660

0.000

3] Reserves & Surplus

141.548

246.693

0.000

4] (Accumulated Losses)

0.000

0.000

(0.038)

NETWORTH

614.369

684.507

0.062

LOAN FUNDS

 

 

 

1] Secured Loans

0.000

0.000

0.000

2] Unsecured Loans

0.000

0.000

0.000

TOTAL BORROWING

0.000

0.000

0.000

DEFERRED TAX LIABILITIES

0.000

0.000

0.000

 

 

 

 

TOTAL

614.369

684.507

0.062

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

639.711

685.760

0.000

Capital work-in-progress

0.000

0.000

0.000

 

 

 

 

INVESTMENT

24.500

68.860

0.000

DEFERREX TAX ASSETS

0.000

0.000

0.000

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

0.000

0.000

0.000

 

Sundry Debtors

101.693

20.420

0.000

 

Cash & Bank Balances

2.911

1.499

0.066

 

Other Current Assets

0.000

0.000

0.000

 

Loans & Advances

97.297

16.152

0.000

Total Current Assets

201.901

38.071

0.066

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Sundry Creditors

226.644

106.063

0.004

 

Other Current Liabilities

23.586

2.121

0.000

 

Provisions

1.513

0.000

0.000

Total Current Liabilities

251.743

108.184

0.004

Net Current Assets

(49.842)

(70.113)

0.062

 

 

 

 

MISCELLANEOUS EXPENSES

0.000

0.000

0.000

 

 

 

 

TOTAL

614.369

684.507

0.062

 

 

 

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

 

31.03.2012

31.03.2011

31.03.2010

 

SALES

 

 

 

 

 

TOTAL                                    

432.700

82.500

NA

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

TOTAL                        

723.795

254.078

NA

 

 

 

 

 

 

PROFIT BEFORE TAX

(291.095)

(171.578)

(0.007)

 

 

 

 

 

Less

TAX                                                     

0.000

0.000

0.000

 

 

 

 

 

 

PROFIT AFTER TAX

(291.095)

(171.578)

(0.007)

 

 

 

 

 

Add

PREVIOUS YEARS’ BALANCE BROUGHT FORWARD

(171.616)

(0.038)

(0.031)

 

 

 

 

 

 

BALANCE CARRIED TO THE B/S

(462.711)

(171.616)

(0.038)

 

 

 

 

 

 

EARNINGS IN FOREIGN CURRENCY

38.261

0.000

0.000

 

 

 

 

 

 

Earnings Per Share (Rs.)

(7.14)

(13.73)

NA

 

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2012

31.03.2011

31.03.2010

PAT / Total Income

(%)

(67.27)

(207.97)

N.A

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

(34.59)

(23.70)

(10.61)

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

(0.47)

(0.25)

(0.11)

 

 

 

 

 

Debt Equity Ratio

(Total Debt/Networth)

 

0.00

0.00

0.00

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

0.80

0.35

16.50

 


 

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

No

5]

Type of Business

Yes

6]

Line of Business

Yes

7]

Promoter's background

Yes

8]

No. of employees

No

9]

Name of person contacted

No

10]

Designation of contact person

No

11]

Turnover of firm for last two years

Yes

12]

Profitability for last three years

Yes

13]

Reasons for variation <> 20%

-----

14]

Estimation for coming financial year

No

15]

Capital in the business

Yes

16]

Details of sister concerns

Yes

17]

Major suppliers

No

18]

Major customers

No

19]

Payments terms

No

20]

Export / Import details (if applicable)

No

21]

Market information

-----

22]

Litigations that the firm / promoter involved in

-----

23]

Banking Details

No

24]

Banking facility details

No

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 2nd Floor, “Chitrakoot” Shreeram Mills Premises, Ganpatrao Kadam Marg, Worli, Mumbai – 400 013, Maharashtra, India to the present address w.e.f. 21.08.2010

 

 

OPERATIONAL REVIEW:

 

The Company has earned total income of Rs 432.700 Millions from operations as against Rs.82.500 Millions during the previous year, registering a growth of more than fivefold. Income from broadcasting right sales is increased to Rs 254.800 Millions against Rs 82.700 Millions in the previous year.

 

During the year, the company sold the football broadcasting rights in regional, national and international territory. This will strengthen the initiative of the Company to improve, popularize and promote the game of football throughout India, from grassroots to the professional level in cooperation with All India Football Federation (AIFF).

 

The company has successfully organized Aircel Chennai Open Tennis Championship in January, 2012 and two seasons of Lakme Fashion week in collaboration with Hindustan Unilever Limited. The company has earned Rs191.600 Millions from the sale of sponsorship and other related services during the year.

 

Operating Cost of the company has increased to Rs. 444.500 Millions as against Rs. 124.400 Millions in previous year due to the commitment of Commercial right fee payment to All India Football Federation (AIFF) and Basketball Federation of India (BFI).

 

 

FIXED ASSETS:

 

·         Furniture and Fixtures

·         Office Equipments

·         Other Equipments

 

 

PRESS REALEASE:

 

RELIANCE INDUSTRIES AND IMG WORLDWIDE FORGE ALLIANCE (IMG RELIANCE)

 

March 14, 2010

 

Mumbai:  Reliance Industries Limited (RIL) and IMG, the world’s leading sports marketing and management company, announced an equal joint venture to develop, market and manage sports and entertainment in India. The venture, IMG Reliance Private Limited, will have parallel complementary strategies: to provide and operate world class infrastructure and coaching facilities in the country to unlock India’s sporting potential and; to create and operate major sports and entertainment assets in the country.

 

The senior management teams of the two organizations led by their respective Chairmen Mukesh Ambani and Ted Forssmann have formulated clear ambitions and strategies for the joint venture company. IMG Reliance Private Limited will harness IMG’s international expertise gained in over 50 years in the business of sport, entertainment and celebrity management with RIL’s expertise in the domestic market, strategic planning and flawless execution.

 

Immediate initiatives:

 

·         Under the auspices of The Reliance Foundation, the recently formed corporate social responsibility initiative of Reliance Industries, state of the art sporting academies will be developed to provide world class coaching and training facilities for Indian sportsmen and sportswomen. The required infrastructure investment will be provided by The Reliance Foundation. IMG owns IMG Academies (IMGA) in Bradenton, Florida the world’s leading sporting and educational institution which has many alumni who have pursued successful professional sporting careers on the world stage. IMGA will provide management knowledge and coaching skills transfer to the management and coaching teams of the Academies in India which will be managed by the joint venture

·         In parallel to the development of the Academies in India, a scholarship program will be initiated which will identify talented Indian athletes who will be provided with full sporting and academic scholarships to IMGA in Florida. Additionally a fully funded program to develop Indian coaching potential will be initiated in preparation for the opening of the Academy in India once construction is completed.

·         The joint venture will develop new sports and entertainment assets in India modeled on the sporting, commercial and investment structures of such assets in mature sports and entertainment market places.

·         Plans are underway to create India’s first Super Agency which will offer 360 degree management to celebrities from the worlds of sport, Bollywood, fashion and which will develop, own and operate assets in these sectors.

·         Management of IMG’s existing business and assets in India including the Aircel Chennai Open –India’s Association of Tennis Professionals (ATP) World Tour event and Lakmé Fashion Week –India’s premier lifestyle and fashion event will be transferred to the joint venture. IMG’s responsibilities to the BCCI for IPL will not transfer to the joint venture and will continue to be managed by IMG’s international business and executive team.

 

Commenting on the initiative, Mr. Mukesh Ambani, Chairman and Managing Director, Reliance Industries said, “Development of sports and the sporting culture is a social imperative for India in the 21st Century. World class infrastructure, frugal engineering, technology and scientific coaching are integral part of development of today’s sporting talent globally. IMG has an enviable track record of leveraging these aspects and identifying, training and developing champion talent across disciplines. With IMG’s five decade experience, we are embarking on an exciting journey to transform the sporting fabric in the country. Our Joint Venture Company will actively work with like minded organizations and invest in developing immensely talented young Indians.”

 

” I am excited about the comprehensive relationship with IMG which will seek to unlock the potential of young India at a global platform. Reliance Foundation will invest in the infrastructure development of the globally renowned IMG Academies in India. We will also offer scholarships to promising youngsters to help them get the very best of global training and coaching facilities. We are committed to undertake grassroots development programme to make a fundamental difference to the lives of millions of youngsters in the country based beyond the big cities,” added Mrs. Nita Ambani, Member on the Board, IMG Reliance Private Limited.

 

On this occasion, Ted Forssmann, Chairman and CEO of IMG, said “IMG is delighted to be joining forces with RIL, the most important company in India. The performance of Indian athletes on the national and international stage will improve dramatically with the correct development strategies. This is what IMG has been doing for 50 years, both at IMG Academies in Florida and many other places around the world. As a consequence, the commercial performance of sport and entertainment in India will be enhanced. IMG firmly believes that in order to build valuable commercial sports, entertainment and media assets it is at first essential to address infrastructural, coaching and accessibility challenges. This joint venture will address these challenges and in time, we anticipate, benefit from the commercial growth that follows.”

 

About Reliance Industries Limited

Reliance Industries Limited (RIL) is India’s largest private sector company on all major financial parameters with a turnover of Rs. 1463280.000 Millions  (US$ 28.85 billion), cash profit of Rs 223650.000 Millions (US$ 4.41 billion), net profit (excluding exceptional income) of Rs. 156370.000 Millions. (US$ 3.02 billion) and net worth of Rs 1263730.000 Millions. (US$ 24.92 billion) as of March 31, 2009.

 

RIL is the first private sector company from India to feature in the Fortune Global 500 list of 'World's Largest Corporations' and ranks 117th amongst the world's Top 200 companies in terms of profits. RIL ranks 75th in the Financial Times FT Global 500 list of the world's largest companies. RIL is rated as the 15th ‘Most Innovative Company' in the World in a survey conducted by the US financial publication-Business Week in collaboration with the Boston Consulting Group.

 

About IMG Worldwide

 

Operating in 30 countries, IMG Sports and Entertainment's diverse businesses include: product and brand licensing; consulting services; event ownership and management; collegiate marketing, media and licensing; fashion events and models representation; golf course design; and client representation in golf, tennis, broadcasting, speakers, European football, rugby, cricket, motor sports, coaching, Olympic and action sports. IMG Academies are the world's largest, multi-sport training and educational facilities, delivering world-class training experiences to more than 12,000 junior, collegiate, adult, and professional athletes each year.

 

 

 

 


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 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.54.46

UK Pound

1

Rs.83.13

Euro

1

Rs.70.99

 

 

INFORMATION DETAILS

 

Report Prepared by :

NIT

 

 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

3

PAID-UP CAPITAL

1~10

5

OPERATING SCALE

1~10

4

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

5

--PROFITABILIRY

1~10

3

--LIQUIDITY

1~10

4

--LEVERAGE

1~10

4

--RESERVES

1~10

4

--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

YES

--LISTED

YES/NO

NO

--OTHER MERIT FACTORS

YES/NO

YES

DEFAULTER

 

 

--RBI

YES/NO

NO

--EPF

YES/NO

NO

TOTAL

 

35

 

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.