1. Summary Information

 

 

Country

India

Company Name

INTERDRIL ASIA LIMITED

Principal Name 1

Mr. Dean Brakel Gesterkamp

Status

Moderate

Principal Name 2

Mr. Anil N. Wahal

 

 

Registration #

55-055900

Street Address

R.13 and 4, LGF, Ansal Chambers II, 6, Bhikhajikama Place, New Delhi – 110066, India

Established Date

02.11.1993

SIC Code

--

Telephone#

91-22-66921666

Business Style 1

Manufacturer

Fax #

91-22-66782452

Business Style 2

Repairers

Homepage

http://www.interdrilasia.com

Product Name 1

Dril Collars

# of employees

Not Available

Product Name 2

Heavy Weight Dril Pipe

Paid up capital

Rs.72,525,000/-

Product Name 3

Rotary Kellys

Shareholders

Foreign holdings – 47.51%

Bodies corporate – 7.44%

Directors or relatives of directors – 45.05%

Banking

Oriental Bank of Commerce

Public Limited Corp.

No

Business Period

20 Years

IPO

No

International Ins.

-

Public Enterprise

No

Rating

B (33)

Related Company

Relation

Country

Company Name

CEO

--

--

--

--

Note

-

 

2. Summary Financial Statement

Balance Sheet as of

30.06.2011

(Unit: Indian Rs.)

Assets

Liabilities

Current Assets

821,708,000

Current Liabilities

455,098,000

Inventories

400,941,000

Long-term Liabilities

640,927,000 

Fixed Assets

444,998,000

Other Liabilities

5,372,000

Deferred Assets

3,858,000

Total Liabilities

1,101,397,000

Invest& other Assets

13,808,000

Retained Earnings

511,391,000

 

 

Net Worth

583,916,000

Total Assets

1,685,313,000

Total Liab. & Equity

1,685,313,000

 Total Assets

(Previous Year)

1,470,599,000

 

 

P/L Statement as of

30.06.2011

(Unit: Indian Rs.)

Sales

552,536,000

Net Profit

13,392,000

Sales(Previous yr)

455,207,000

Net Profit(Prev.yr)

11,882,000

 

MIRA INFORM REPORT

 

 

Report Date :

22.04.2013

 

IDENTIFICATION DETAILS

 

Name :

INTERDRIL ASIA LIMITED

 

 

Formerly Known As :

SKM-INTERDRIL (INDIA) LIMITED

 

 

Registered Office :

R.13 and 4, LGF, Ansal Chambers II, 6, Bhikhajikama Place, New Delhi – 110066

 

 

Country :

India

 

 

Financials (as on) :

30.06.2011

 

 

Date of Incorporation :

02.11.1993

 

 

Com. Reg. No.:

55-055900

 

 

Capital Investment / Paid-up Capital :

Rs. 72.525 Millions

 

 

CIN No.:

[Company Identification No.]

U74899DL1993PLC055900

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

DELI02314E

 

 

PAN No.:

[Permanent Account No.]

AAAC12643G

 

 

Legal Form :

A Closely Held Public Limited Liability Company

 

 

Line of Business :

Manufacturing and Repairers of Down Hole Drilling Tools.

 

 

No. of Employees :

Not Available

 

 

RATING & COMMENTS

 

MIRA’s Rating :

B (33)

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Maximum Credit Limit :

USD 2300000

 

 

Status :

Moderate

 

 

Payment Behaviour :

Unknown

 

 

Litigation :

Clear

 

 

Comments :

Subject is an established company having a moderate track record.

 

The management has failed to file its financials with government department for the year 2012.

 

As per previous year’s record, the company is found normal for business dealings.

 

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.

 

 

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

 

 

EXTERNAL AGENCY RATING

 

Rating Agency Name

CRISIL

Rating

Long Term Rating : D (Under continuous surveillance)

Rating Explanation

Default

Date

April 08,2013

 

Note - Reason for ratings under continuous surveillance. Awaiting for adequate information from the subject.

 

 

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 :

R.13 and 4, LGF, Ansal Chambers II, 6, Bhikhajikama Place, New Delhi – 110066, India

Tel. No.:

91-22-66921666

Fax No.:

91-22-66782452

E-Mail :

interdril@vsnl.com

Website :

http://www.interdrilasia.com

 

 

Corporate Office:

 

Interdril House, 106, S V Road, Santacruz (West), Mumbai – 400054, Maharashtra, India

Tel. No.:

91-22-66921666/66949956/57/58

Fax No.:

91-22-66782452

E-Mail :

interdril@vsnl.com

 

 

Factory 1:

95-A, Anand Lok, Khel Gaon Marg, New Delhi – 110 049, India

Tel. No.:

91-11-621 7382 / 7642

Fax No.:

91-11-621 7382

 

 

Factory 2:

Village Esamble, Taluka Khalapur, Patalganga, District Raigad, Maharashtra, India

Tel. No.:

91-2192-326757

 

 

DIRECTORS

 

As on: 29.12.2011

 

Name :

Mr. Dean Brakel Gesterkamp

Designation :

Chairman

Address :

1261, B. K. Barlicum, Netherland, U. S. A.

Date of Birth/Age :

08.01.1950

Date of Appointment :

02.11.1993

DIN No.:

01508882

 

 

Name :

Mr. Anil Narendranath Wahal

Designation :

Director

Address :

401, Raj Tilak, Yari Road, Versova, Andheri (West), Mumbai – 400061.

Date of Birth/Age :

26.06.1956

Date of Appointment :

02.11.1993

DIN No.:

00236035

 

 

Name :

Mr. Mukesh Laxmandas Kaura

Designation :

Director

Address :

500/C Gilhaze Apts, Malad (West), Mumbai – 400064.

Date of Birth/Age :

16.06.1953

Date of Appointment :

17.01.1996

DIN No.:

00219617

 

 

Name :

Mr. Manish Narendranath Wahal

Designation :

Managing Director

Address :

Flat No. A-503, Plot No. 21, Bldg No.1, Sector 11, Kopar Khairane, Navi Mumbai – 400701, Maharashtra

Date of Birth/Age :

26.01.1970

Date of Appointment :

01.03.2010

DIN No.:

00236090

 

 

Name :

Mr. Indrajit Premmangal Bhattacharyya

Designation :

Whole Time Director

Address :

RH 7, Sukhniwas Co-Operative Housing Society Ltd. Plot No. 62, Vashi, Navi Mumbai – 400703. Maharashtra

Date of Birth/Age :

11.09.1966

Date of Appointment :

01.03.2010

DIN No.:

00236141

 

 

 

 

 

KEY EXECUTIVES

 

Name :

Mr. Krishnakishore Balkrishna Gavaskar

Designation :

Secretary

Address :

27/4, Sitala Devi Building, L. J Road, Mahim, Mumbai-400016, Maharashtra, India

Date of Birth/Age :

29.07.1954

Date of Appointment :

01.03.2010

Pan No.:

AACPG1637M

 

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

As on: 29.12.2011

 

Names of Shareholders

 

No. of Shares

Dean Brakel Gesterkamp

 

3446196

Anil Narendranath Wahal

 

2608475

Paul Douglas Waters

 

119

Dynasty Industries Limited, India

 

360000

Manish Narendranath Wahal

 

617540

Mukesh Kaura

 

50

Ocean Blue Offshore Constructions Private Limited, India

 

180130

Anil  Wahal (Huf)

 

40000

 

 

 

Total

 

7252510

 

 

Equity Share Break up (Percentage of Total Equity)

 

As on: 29.12.2011

 

Category

 

Percentage

 

 

 

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

 

47.51

Bodies corporate

 

7.44

Directors or relatives of directors

 

45.05

 

 

 

Total

 

100.00

 

 

 

 

 

 

BUSINESS DETAILS

 

Line of Business :

Manufacturing and Repairers of Down Hole Drilling Tools.

 

 

Products :

Description

ITC No.

Steel Bars

73042310

 

 

Products :

  • Dril Collars
  • Heavy Weight Dril Pipe
  • Rotary Kellys
  • Substitutes
  • Cross Overs and Pup Joints
  • Stabilizers and Repairs

 

 

Brand Names :

“INTERDRIL”.

 

 

PRODUCTION STATUS (AS ON 30.06.2010)

 

Particulars

Unit

Licensed Capacity

Installed Capacity

Heavy Weights

Nos.

1830

1830

Drill Collars

Nos.

1665

1665

Stabilizer Sleeves

Nos.

435

435

Stabilizer Bodies

Nos.

189

189

Pup Joints

Nos.

189

189

Kelly’s

Nos.

189

189

Kelly Saver Subs

Nos.

129

129

stabilizers

Nos.

189

189

 

 

 

GENERAL INFORMATION

 

No. of Employees :

Not Available

 

 

Bankers :

·         Oriental Bank of Commerce, Santacruz (West) Branch, Ajay Apartments, S. V. Road, Santacruz (West), Mumbai – 400054, Maharashtra, India

·         Kotak Mahindra Bank Limited, 36-38A, Nariman Bhavan, 227, D, Nariman Point, Mumbai – 400021, Maharashtra, India

 

 

Facilities :

(Rs. In Millions)

Secured Loan

As on

30.06.2011

Oriental Bank Of Commerce

 

Rupee term loans secured

65.079

Loans taken for vehicles secured

0.914

Loans taken for other fixed assets secured

2.903

Other debt secured

572.030

 

 

Total

640.926

 

Secured Loan

 

As on

30.06.2010

Oriental Bank of Commerce

 

Packing Credit

229.078

Advance Against Export Sales

349.973

Term Loan

82.452

Punjab National Bank

0

Term Loan

6.578

Kotak Mahindra

0

Machine Loans

0.000

Vehicle Loans

0.373

 

 

Total

668.454

 

Banking Relations :

--

 

 

Auditors :

 

Name :

R. M. and Company

Chartered Accountants

Address :

1016, Arun Vihar, Sector 29, Noida – 201301, Uttar Pradesh, India

PAN No.:

AJUPF3144E

 

 

Group Companies :

·         Interdrill Repairs and Services Private Limited

·         Interdril  Power Private Limited

·         Kellycon Private Limited

 

 

 

 

CAPITAL STRUCTURE

 

As on: 29.12.2011

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

8000000

Equity Shares

Rs.10/- each

Rs. 80.000 Millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

7252510

Equity Shares

Rs.10/- each

Rs. 72.525 Millions

 

 

 

 

 

 

 

 

 

FINANCIAL DATA

[all figures are in Rupees Millions]

 

ABRIDGED BALANCE SHEET

 

SOURCES OF FUNDS

 

30.06.2011

30.06.2010

30.06.2009

SHAREHOLDERS FUNDS

 

 

 

1] Share Capital

72.525

72.525

72.525

2] Share Application Money

0.000

0.000

0.000

3] Reserves & Surplus

511.391

498.634

284.696

4] (Accumulated Losses)

0.000

0.000

0.000

NETWORTH

583.916

571.159

357.221

LOAN FUNDS

 

 

 

1] Secured Loans

640.927

668.454

706.336

2] Unsecured Loans

0.000

0.000

0.000

TOTAL BORROWING

640.927

668.454

706.336

DEFERRED TAX LIABILITIES

0.000

0.000

0.000

 

 

 

 

TOTAL

1224.843

1239.613

1063.557

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

444.998

466.605

274.810

Capital work-in-progress

4.809

0.000

0.000

 

 

 

 

INVESTMENT

8.999

8.900

8.899

DEFERREX TAX ASSETS

3.858

3.553

5.257

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

400.941
352.327
373.913

 

Sundry Debtors

407.927
325.758
514.030

 

Cash & Bank Balances

67.282
39.463
12.596

 

Other Current Assets

0.000
0.000
0.000

 

Loans & Advances

346.499
273.993
191.527

Total Current Assets

1222.649

991.541

1092.066

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Sundry Creditors

422.092
210.550
193.873

 

Other Current Liabilities

33.006
20.327
123.602

 

Provisions

5.372
0.109
0.000

Total Current Liabilities

460.470

230.986

317.475

Net Current Assets

762.179

760.555

774.591

 

 

 

 

MISCELLANEOUS EXPENSES

0.000

0.000

0.000

 

 

 

 

TOTAL

1224.843

1239.613

1063.557

 

 

 

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

30.06.2011

30.06.2010

30.06.2009

 

SALES

 

 

 

 

 

Product Sales

552.536

455.207

889.088

 

 

Other Income

56.935

0.000

4.252

 

 

Trading Sales

--

0.558

3.500

 

 

Exchange Difference

--

7.759

49.957

 

 

Scrap Sales

--

4.820

16.074

 

 

TOTAL                                    

609.471

468.344

962.871

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Raw Material Consumed

329.778

242.375

617.408

 

 

Manufacturing & Other Expenses

22.028

17.816

23.506

 

 

Contract Cost

17.073

--

--

 

 

Payment & Provisions to Employees

45.003

38.870

41.302

 

 

Administrative expenses

60.057

40.042

47.468

 

 

Bad Debts Written Off

--

0.000

0.394

 

 

Loss on Sale of Assets

--

0.000

0.000

 

 

Selling Expenses

--

18.094

40.490

 

 

TOTAL                                    

473.939

357.197

770.568

 

 

 

 

 

Less

PROFIT BEFORE INTEREST, TAX, DEPRECIATION AND AMORTISATION 

135.532

111.147

192.303

 

 

 

 

 

Less

FINANCIAL EXPENSES                        

96.769

81.132

87.944

 

 

 

 

 

 

PROFIT BEFORE TAX, DEPRECIATION AND AMORTISATION                                  

38.763

30.015

104.359

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                    

19.988

16.304

13.455

 

 

 

 

 

 

PROFIT BEFORE TAX                          

18.775

13.711

90.904

 

 

 

 

 

Add

Previous Years Income/(Expenses)

(0.316)

0.108

0.175

 

 

 

 

 

Less

TAX                                                                 

5.067

1.937

25.344

 

 

 

 

 

 

PROFIT AFTER TAX                            

13.392

11.882

65.735

 

 

 

 

 

 

 

 

 

 

 

EARNINGS IN FOREIGN CURRENCY

 

 

 

 

 

Export Earnings

376.002

435.090

852.891

 

TOTAL EARNINGS

376.002

435.090

852.891

 

 

 

 

 

 

IMPORTS

 

 

 

 

 

Raw Materials

336.963

201.942

534.463

 

 

Stores & Spares

9.580

12.615

13.973

 

TOTAL IMPORTS

346.543

214.557

548.436

 

 

 

 

 

 

Earnings Per Share (Rs.)

1.85

1.64

--

 

 

 

KEY RATIOS

 

PARTICULARS

 

 

30.06.2011

30.06.2010

30.06.2009

PAT / Total Income

(%)

2.20

2.54
6.82

 

 

 

 
 

Net Profit Margin

(PBT/Sales)

(%)

3.40

3.01
10.17

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

1.12

0.94
6.65

 

 

 

 
 

Return on Investment (ROI)

(PBT/Networth)

 

3.21

0.02
0.25

 

 

 

 

 

Debt Equity Ratio

(Total Debt/Networth)

 

1.10

1.17
1.98

 

 

 

 
 

Current Ratio

(Current Asset/Current Liability)

 

2.66

4.29
3.43

 

 

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 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

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

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

Yes

33]

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

No

34]

External Agency Rating, if available

Yes

 

 

 

NOTE

 

Registered office has been shifted from B-57 Soami Nagar, New Delhi – 110017, India to the present address w.e.f.21.09.2011

 

 

FINANCIAL PERFORMANCE

 

After the financial meltdown of 2008-09 the order book of the company started declining rapidly. In 2008-09, the company was carrying a very large order book, which allowed it to have reasonably a good year in 2008-09. The carryover of the order supported the turnover of Rs.450.000 millions in 2009-10 as well, but a very weak demand and lack of fresh order bookings resulted in stagnation of turnover in the year 2010-11.

 

STEEL SUPPLIERS

 

The company imports their raw material from mills in Europe, USA and Asia, with regard to customer?s requirements, delivery period and logistical needs . Europe and America have become expensive, in comparision to the prices of finished goods. This has forced then to focus on buying steel from Asian companies.

 

OPERATIONS and BUSINESS PERFORMANCE

 

As macro economic conditions are not favourable and continue to become difficult these are challenging time for the company. On the demand side the company is seeing silver lining as oil prices are maintaining a steady incline more to do with the geopolitical situation in the world, especially in the Middle East. Over and above this the Shalel Gas discovery in the USA and other parts of the world, are pushing drilling demand to new levels. However, challenge from their side remains to stream line their steel supply.

 

 

 

 


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. 54.03

UK Pound

1

Rs. 82.43

Euro

1

Rs. 70.49

 

 

INFORMATION DETAILS

 

Report Prepared by :

DPH

 


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

4

PAID-UP CAPITAL

1~10

3

OPERATING SCALE

1~10

5

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

5

--PROFITABILIRY

1~10

3

--LIQUIDITY

1~10

3

--LEVERAGE

1~10

3

--RESERVES

1~10

3

--CREDIT LINES

1~10

4

--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

DEFAULTER

 

 

--RBI

YES/NO

NO

--EPF

YES/NO

NO

 

 

 

TOTAL

 

33

 

This score serves as a reference to assess SC’s credit risk and to set the amount of credit to be extended. It is calculated from a composite of weighted scores obtained from each of the major sections of this report. The assessed factors and their relative weights (as indicated through %) are as follows:

 

Financial condition (40%)            Ownership background (20%)                 Payment record (10%)

Credit history (10%)                    Market trend (10%)                                Operational size (10%)

 


 

RATING EXPLANATIONS

 

 

RATING

STATUS

 

 

PROPOSED CREDIT LINE

>86

Aaa

Possesses an extremely sound financial base with the strongest capability for timely payment of interest and principal sums

 

Unlimited

71-85

Aa

Possesses adequate working capital. No caution needed for credit transaction. It has above average (strong) capability for payment of interest and principal sums

 

Large

56-70

A

Financial & operational base are regarded healthy. General unfavourable factors will not cause fatal effect. Satisfactory capability for payment of interest and principal sums

 

Fairly Large

41-55

Ba

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

 

Satisfactory

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

 

Small

11-25

Ca

Adverse factors are apparent. Repayment of interest and principal sums in default or expected to be in default upon maturity

 

Limited with full security

<10

C

Absolute credit risk exists. Caution needed to be exercised

 

 

Credit not recommended

-

NB

                                       New Business

-

 

 

PRIVATE & CONFIDENTIAL : This information is provided to you at your request, you having employed MIPL for such purpose. You will use the information as aid only in determining the propriety of giving credit and generally as an aid to your business and for no other purpose. You will hold the information in strict confidence, and shall not reveal it or make it known to the subject persons, firms or corporations or to any other. MIPL does not warrant the correctness of the information as you hold it free of any liability whatsoever. You will be liable to and indemnify MIPL for any loss, damage or expense, occasioned by your breach or non observance of any one, or more of these conditions

This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.