MIRA INFORM REPORT

 

 

Report Date :

03.12.2013

 

IDENTIFICATION DETAILS

 

Name :

G. R. ENGINEERING PRIVATE LIMITED (w.e.f. 05.05.2008)

 

 

Formerly Known As :

HARIANI HOLDINGS PRIVATE LIMITED

 

 

Registered Office :

Poonam Chambers, A Wing, 2nd Floor, Dr. A B Road, Worli, Mumbai – 400018, Maharashtra

 

 

Country :

India

 

 

Financials (as on) :

31.03.2012

 

 

Date of Incorporation :

17.10.1990

 

 

Com. Reg. No.:

11-58602

 

 

Capital Investment / Paid-up Capital :

Rs.54.396 Millions

 

 

CIN No.:

[Company Identification No.]

U65990MH1990PTC058602

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

MUMG13231B

 

 

PAN No.:

[Permanent Account No.]

AAACH8828G

 

 

Legal Form :

Private Limited Liability Company

 

 

Line of Business :

Manufacturers of Engineering Goods, Petrochemical Equipment, Heater Changers, Bullets Cooling Tower and Chilling Plants.

 

 

No. of Employees :

Information declined by management.

 

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba (48)

 

RATING

STATUS

PROPOSED CREDIT LINE

 

41-55

Ba

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

Satisfactory

 

 

Maximum Credit Limit :

USD 6900000

 

 

Status :

Satisfactory

 

 

Payment Behaviour :

Regular

 

 

Litigation :

Clear

 

 

Comments :

Subject is an established company having a satisfactory track record.

 

Management has failed to file its latest financials of 2013 with government department.

 

As per record of 2012, sales and profit of the company has dipped. However, networth of the company appears to be strong. Liquidity position seems to be decent.

 

Trade relation reported to be fair. Business is active.  Payment terms are reported to be regular and as per commitments.

 

The company can be considered for business dealing 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

 

The current downturn provides an opportunity to push ahead with reforms to accelerate growth, says the latest India Development Update report released by the World Bank. The report says that the adverse effects of rupee depreciation are likely to be offset by the gains in the exports performance due to improved external competitiveness. Since May this year, the local currency has depreciated substantially and fell to a record level of Rs.68.85 to a dollar on August, 28.

 

A stagflation like situation appears to have arisen as inflation jumped to an eight month high of 6.46 % for the month of September. It is up from 6.10 % in August. Growth continues to be muted with factory output plunging to 0.6 % in August. Onion prices have risen nearly 300 % from last September. Vegetables cost nearly 90 % more than they did last year. Wake up to the economic contribution of slum dwellers. They contribute more than 7.5 % to the country’s gross domestic product, according to a recent study conducted in 50 top cities.

 

136000 estimated number of jobs created during the second quarter of the current financial year. 50000 estimated number of additional jobs in the field of corporate social responsibility in the coming years.

 

The International Finance Corporation expects to come out with its rupee linked bonds issue before the end of 2013 as a part of its plan to raise $ 1 billion. The Apple iPhone 5c (Rs.41900 for 16 GB variant) and 5s (Rs.53500 for 16GB variant) has been launched in India from 1st November.

 

The Land Acquisition Act to provide just and fair compensation to farmers will come into force from January 1 next year, said Rural Development Minister Jairam Ramesh. The Act replaces a 119 year old registration. The Securities and Exchange Board of India has approved the trading of currency futures on the Bombay Stock Exchange. The exchange plans to launch the currency futures platform with advanced trading technology by the end of November.

 

EXTERNAL AGENCY RATING

 

Rating Agency Name

ICRA

Rating

Fund Based – Cash Credit = BBB+

Rating Explanation

Moderate credit quality and average credit risk.

Date

February, 2013

 

Rating Agency Name

ICRA

Rating

Fund Based Limit – WCDL = A2

Rating Explanation

Strong degree of safety and low credit risk.

Date

February, 2013

 

 

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 DECLINED BY

 

Name :

Mr. Rana

Designation :

Finance Key Executive

Contact No.:

91-22-24960551

Date :

29.11.2013

 

 

LOCATIONS

 

Registered Office :

Poonam Chambers, A Wing, 2nd Floor, Dr. A B Road, Worli, Mumbai – 400018, Maharashtra, India

Tel. No.:

91-22-2496 0551/ 52/ 53/ 54/ 55

Mobile No.:

91-9820025029 (Mr. M. Kapadia)

Fax No.:

91-22-24964532

E-Mail :

 

grew@vsnl.com

info@grengg.com

Website :

http://www.grengg.com

 

 

Regional Office :

529, Som Dut Chambers – II, 9, Bhikaji Cama Place, New Delhi – 110 066, Delhi, India

Tel. No.:

91-11-2617 0252 / 2618 6779

Fax No.:

91-11-2619 2884

E-Mail :

grdelhi@del2.vsnl.net.in

 

 

Workshop :

G-14, MIDC Industrial Area, Tarapur – 401506, Maharashtra, India

Tel. No.:

91-2525-272870 / 272970

Fax No.:

91-2525-273287

E-Mail :

grewl_tpr@vsnl.net

 

 

Shipping Division:

5A/5B, Sapana Terraces, 1st Floor, Swatantra Path, Vasco-Da-Gama, Goa - 403802.

Tel. No.:

91-834-2512972 / 2512973

Fax No.:

91-834-2510415

E-Mail :

grgoa@grengg.com

 

 

DIRECTORS

 

(AS ON 29.09.2012)

 

Name :

Mr. Doulatram Pribhdas Hariani

Designation :

Whole-time director

Address :

401 Prabhu Kutir, Alta Mount Road, Mumbai – 400 026, Maharashtra, India

Date of Birth/Age :

27.10.1926

Date of Appointment :

08.05.2008

Election Commission Identity Card No. :

MT/ 04/ 024/ 3542566

DIN No.:

00131120

Pan No.:

AAAPH2351R

 

 

Name :

Mr. Ramesh Doulatram Hariani

Designation :

Managing Director

Address :

Row House No. 3, Grand Paradi Apartment, August Kranti Marg, Mumbai – 400036, Maharashtra, India

Date of Birth/Age :

11.10.1949

Date of Appointment :

08.05.2008

Election Commission Identity Card No. :

MT/ 040/ 024/ 009562

DIN No.:

00131240

PAN No.:

AAAPH1681E

 

 

Name :

Mr. Shankar Shripad Shirolkar

Designation :

Director

Address :

1st Floor, Apls Plaza, 15 Second Bhatwadi Girgaum, Mumbai – 400004, Maharashtra, India

Date of Birth/Age :

26.12.1938

Date of Appointment :

08.05.2008

DIN No.:

01891727

PAN No.:

AOPPS3509H

 

 

Name :

Mrs. Parmeshwari Doulatram Hariani

Designation :

Whole time Director

Address :

401, Pabhu Kutir, Alta Mount Road, Mumbai-400026, Maharashtra, India

Date of Birth/Age :

21.08.1929

Date of Appointment :

08.05.2008

Election Commission Identity Card No. :

MT/ 04/ 024/ 354255

DIN No.:

00131387

PAN No.:

AAAPH7954E

 

 

Name :

Mrs. Chilamiliika Lalini Hariani

Designation :

Whole Time Director

Address :

Bunglow No. 3, Grand Paradi Apartment, Dadi Seth Road, Mumbai-400036, Maharashtra, India

Date of Birth/Age :

06.08.1948

Date of Appointment :

08.05.2008

DIN No.:

01844372

PAN No.:

AAAPH7884B

 

 

KEY EXECUTIVES

 

Name :

Mr. Rana

Designation :

Finance Key Executive

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

(AS ON 29.09.2012)

 

Names of Shareholders

 

 

No. of Shares

 

 

 

Daulatram Pribhdas Hairani

 

358900

Parmeshari Daulatram Hariani

 

446940

Daulatram P Hariani (HUF)

 

96000

Ramesh Daulatram Hariani

 

2894840

Chilamilika Lalni Hariani

 

72000

Gope Daulatram Hariani - NRE

 

30720

Gope Daulatram Hariani - NRO

 

136800

Jay Gope Hariani - NRE

 

221440

Jay Gope Hariani – NRO

 

44544

Neil F Hariani - NRE

 

221440

Neil F Hariani – NRO

 

24000

Gita H Zeigelbaur – NRE

 

413856

Gita H Zeigelbaur – NRO

 

153320

Shaun Paul Zeigelbaur – NRE

 

160000

Gil Paul Zeigelbaur – NRE

 

160000

Chander Pribhdas Hariani

 

4800

 

 

 

Total

 

 

5439600

 

 

(AS ON 30.09.2012)

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]

 

28.79

Directors or relatives of directors

 

71.21

 

 

 

Total

 

 

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Manufacturers of Engineering Goods, Petrochemical Equipment, Heater Changers, Bullets Cooling Tower and Chilling Plants.

 

 

Products :

Products Description

Item Code No.

 

Fabrication of Machineries and Refinery and Distillations

84194020

 

 

GENERAL INFORMATION

 

No. of Employees :

Information declined by management.

 

 

Bankers :

·         Yes Bank Limited

9th Floor, Nehru Centre, Discovery of India, Dr. Annie Besant Road, Worli, Mumbai – 400018, Maharashtra, India

 

·         Bank of Maharashtra

 

 

Facilities :

Secured Loans

31.03.2012

31.03.2011

 

 

(Rs. In Millions)

Long Term Borrowings

 

 

Rupee Term Loans from Banks

14.353

42.482

 

 

 

 

 

 

Short Term Borrowings

 

 

Working Capital loan from banks

223.667

49.987

Loans Repayable on demand from Banks

330.000

0.000

Loans Repayable on demand from Others

239.983

260.332

 

 

 

Total

 

808.003

352.801

 

 

 

Banking Relations :

--

 

 

Financial Institution :

·         Tata Capital Financial Services Limited

One Forbes, Dr. V. B. Gandhi Marg, Fort, Mumbai – 400001, Maharashtra, India

 

 

Auditors :

 

Name :

Jitendra Sanghvi and Company

Chartered Accountants

Address :

405, Churchgate Chambers, 5, New Marine Lines, Mumbai – 400020, Maharashtra, India

PAN No.:

AAHFJ1944M

 

 

Associate :

·         G. R. Infrastructure Private Limited, India

 

 

Subsidiary Company :

·         Grew Limited LLC, India

 

 

Enterprises which are

owned, or have significant

influence of or are partners

with Key management

personnel and their relatives:

·         Grew Industries Private Limited, India

 

 

CAPITAL STRUCTURE

 

(AS ON 29.09.2012)

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

10000000

Equity Shares

Rs.10/- each

Rs.100.000 Millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

5439600

Equity Shares

Rs.10/- each

Rs.54.396 Million

 

 

 

 

 

 

 


 

FINANCIAL DATA

[All figures are in Rupees Millions]

 

ABRIDGED BALANCE SHEET

 

SOURCES OF FUNDS

 

 

31.03.2012

31.03.2011

I.        EQUITY AND LIABILITIES

 

 

 

(1)Shareholders' Funds

 

 

 

(a) Share Capital

 

54.396

54.396

(b) Reserves & Surplus

 

1671.260

1496.780

(c) Money received against share warrants

 

0.000

0.000

 

 

 

 

(2) Share Application money pending allotment

 

0.000

0.000

Total Shareholders’ Funds (1)+(2)

 

1725.656

1551.176

 

 

 

 

(3) Non-Current Liabilities

 

 

 

(a) long-term borrowings

 

22.522

53.126

(b) Deferred tax liabilities (Net)

 

30.625

35.920

(c) Other long term liabilities

 

3.690

0.431

(d) long-term provisions

 

5.269

0.000

Total Non-current Liabilities (3)

 

62.106

89.477

 

 

 

 

(4) Current Liabilities

 

 

 

(a) Short term borrowings

 

962.238

420.669

(b) Trade payables

 

373.514

238.897

(c) Other current liabilities

 

944.984

480.082

(d) Short-term provisions

 

427.628

475.100

Total Current Liabilities (4)

 

2708.364

1614.748

 

 

 

 

TOTAL

 

4496.126

3255.401

 

 

 

 

II.      ASSETS

 

 

 

(1) Non-current assets

 

 

 

(a) Fixed Assets

 

 

 

(i) Tangible assets

 

660.313

587.628

(ii) Intangible Assets

 

0.000

0.000

(iii) Capital work-in-progress

 

145.008

47.018

(iv) Intangible assets under development

 

11.321

0.000

(b) Non-current Investments

 

467.188

437.943

(c) Deferred tax assets (net)

 

0.000

0.000

(d)  Long-term Loan and Advances

 

254.858

409.243

(e) Other Non-current assets

 

0.329

47.497

Total Non-Current Assets

 

1539.017

1529.329

 

 

 

 

(2) Current assets

 

 

 

(a) Current investments

 

0.000

0.000

(b) Inventories

 

621.223

365.931

(c) Trade receivables

 

905.805

898.461

(d) Cash and cash equivalents

 

3.470

6.535

(e) Short-term loans and advances

 

606.810

454.989

(f) Other current assets

 

819.801

0.156

Total Current Assets

 

2957.109

1726.072

 

 

 

 

TOTAL

 

4496.126

3255.401

 

 

SOURCES OF FUNDS

 

 

 

31.03.2010

SHAREHOLDERS FUNDS

 

 

 

1] Share Capital

 

 

54.396

2] Share Application Money

 

 

0.000

3] Reserves & Surplus

 

 

1109.264

4] (Accumulated Losses)

 

 

0.000

NETWORTH

 

 

1163.660

LOAN FUNDS

 

 

 

1] Secured Loans

 

 

202.449

2] Unsecured Loans

 

 

670.493

TOTAL BORROWING

 

 

872.942

DEFERRED TAX LIABILITIES

 

 

30.887

 

 

 

 

TOTAL

 

 

2067.489

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

 

 

493.566

Capital work-in-progress

 

 

13.833

 

 

 

 

INVESTMENT

 

 

341.581

DEFERREX TAX ASSETS

 

 

0.000

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

 

 

491.089

 

Sundry Debtors

 

 

531.239

 

Cash & Bank Balances

 

 

165.558

 

Other Current Assets

 

 

0.000

 

Loans & Advances

 

 

779.429

Total Current Assets

 

 

1967.315

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Sundry Creditor

 

 

505.293

 

Other Current Liabilities

 

 

0.000

 

Provisions

 

 

243.995

Total Current Liabilities

 

 

749.288

Net Current Assets

 

 

1218.027

 

 

 

 

MISCELLANEOUS EXPENSES

 

 

0.482

 

 

 

 

TOTAL

 

 

2067.489

 

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

 

31.03.2012

31.03.2011

31.03.2010

 

SALES

 

 

 

 

 

Income

2427.030

3424.176

3162.217

 

 

Other Income

68.986

66.353

51.287

 

 

TOTAL                                     (A)

2496.016

3490.529

3213.504

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

TOTAL                                     (B)

2012.887

2668.311

2785.898

 

 

 

 

 

Less

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

483.129

822.218

427.606

 

 

 

 

 

Less

FINANCIAL EXPENSES                         (D)

98.194

41.025

24.718

 

 

 

 

 

 

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

384.935

781.193

402.888

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                     (F)

100.383

79.332

62.272

 

 

 

 

 

 

PROFIT BEFORE TAX (E-F)                               (G)

284.552

701.861

340.616

 

 

 

 

 

Less

TAX                                                                  (H)

78.462

235.319

115.571

 

 

 

 

 

 

PROFIT AFTER TAX (G-H)                                (I)

206.090

466.542

225.045

 

 

 

 

 

Add

PREVIOUS YEARS’ BALANCE BROUGHT FORWARD

529.154

191.638

55.024

 

 

 

 

 

Less

APPROPRIATIONS

 

 

 

 

 

Transfer to General Reserve

21.000

50.000

25.000

 

 

Proposed Dividend

27.198

67.995

54.396

 

 

Corporate Dividend Tax

4.412

11.030

9.034

 

BALANCE CARRIED TO THE B/S

682.634

529.155

191.639

 

 

 

 

 

 

Earnings Per Share (Rs.)

37.89

85.77

--

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2012

31.03.2011

31.03.2010

PAT / Total Income

(%)

8.26

13.37

7.00

 

 

 

 

 

Net Profit Margin

(PBT/Sales)

(%)

11.72

20.50

10.77

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

7.35

25.33

13.84

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

0.16

0.45

0.29

 

 

 

 

 

Debt Equity Ratio

(Total Debt/Networth)

 

0.57

0.31

0.75

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

1.09

1.07

2.63

 


 

LOCAL AGENCY FURTHER INFORMATION

 

CURRENT MATURITY OF LONG TERM DEBTS DETAIL:

 

Particulars

31.03.2013

 

31.03.2012

31.03.2011

 

(Rs. In Millions)

Current Maturity of Long Term Debts

30.604

29.012

NA

 

 

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

Yes

10]

Designation of contact person

Yes

11]

Turnover of firm for last three years

Yes

12]

Profitability for last three years

Yes

13]

Reasons for variation <> 20%

-----

14]

Estimation for coming financial year

No

15]

Capital in the business

Yes

16]

Details of sister concerns

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

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

Yes 

33]

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

Yes 

34]

External Agency Rating, if available

Yes 

 

 

UNSECURED LOANS

 

Particulars

31.03.2012

31.03.2011

 

 

(Rs. In Millions)

Long Term Borrowings

 

 

Deferred Sales Tax Loan

8.169

10.643

 

 

 

Short Term Borrowings

 

 

Loans Repayable on demand from Banks

43.309

0.000

Loans and Advances from Director

125.279

110.351

 

 

 

Total

 

176.757

120.994

 

 

OPERATIONS

 

During the period, the company has recorded a Sales Turnover of Rs.2427.030 Millions as compared to Rs.3424.176 Millions. EBDITA stood at Rs.483.129 Millions (previous year Rs.822.218 Millions).

 

Reduction in the turnover and profits were mainly due to the timing of the new orders received and long lead execution schedule mostly to reflect completion in the current financial year.

 

 

CONTINGENT LIABILITIES NOT PROVIDED FOR:

 

Particulars

31.03.2012

 

31.03.2011

 

(Rs. In Millions)

 

 

 

a. Bank guarantees given by bank on behalf of the Company

1724.134

1541.658

b. ESIS dues and Penalty thereon disputed in appeal

17.683

7.116

 

(Note: Pursuant to the scheme of arrangement with GREW Industries Private Limited for Demerger of their engineering undertaking, all the employees of the engineering undertaking were transferred to the company. Hence, the above liability will be borne by the company if the same arises.)

 

c. Liquidated damages and other claims against Company

Unascertained

Unascertained

d. Kerala VAT

48.629

--

 

f. Corporate Guarantee for Rs.314.400 Millions  (Previous Year Rs.314.400 Millions) given by the Company to the bank for credit facilities granted to G.R. Infrastructure Private Limited, an associate company. In the opinion of management, G.R. Infrastructure Private Limited will be able to meet its obligations as they arise and consequently no adjustment is required to be made to the carrying value of the security provided. Various credit facilities outstanding of G.R. Infrastructure Private Limited against the corporate guarantee given by the company as on 31/03/2012 is Rs.296.349 Millions (Previous Year Rs.272.002Millions)

 

 

 

INDEX OF CHARGES

 

S.No.

Charge ID

Date of Charge Creation/Modification

Charge amount secured

Charge Holder

Address

Service Request Number (SRN)

1

10455833

25/09/2013

34,650,000.00

TATA CAPITAL FINANCIAL SERVICES LIMITED

ONE FORBES,, DR. V. B. GANDHI MARG, FORT, MUMBAI,
MAHARASHTRA - 400001, INDIA

B87736138

2

10430422

07/05/2013

150,000,000.00

YES BANK LIMITED

9TH FLOOR, NEHRU CENTRE, DISCOVERY OF INDIA, DR.
ANNIE BESANT ROAD, WORLI,, MUMBAI, MAHARASHTRA -
400018, INDIA

B76853357

3

10411927

30/01/2013

86,149,000.00

TATA CAPITAL FINANCIAL SERVICES LIMITED

ONE FORBES,, DR. V. B. GANDHI MARG, FORT, MUMBAI,
MAHARASHTRA - 400001, INDIA

B70799697

4

10127673

14/02/2012 *

3,250,000,000.00

BANK OF MAHARASHTRA

WORLI BRANCH, READY MONEY TERRACE, WORLI NAKA, MUMBAI, MAHARASHTRA - 400018, INDIA

B35105246

 

* Date of charge modification

 

 

FIXED ASSETS:

 

·         Land (Free Hold / Lease Hold)

·         Buildings (On Free Hold / Lease Hold land)

·         Furniture and Fixtures

·         Barges and Vessels

·         Plant and Machinery

·         Office Equipment

·         Vehicles

·         Computer

 

 

 


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.62.23

UK Pound

1

Rs.102.14

Euro

1

Rs.84.64

 

 

INFORMATION DETAILS

 

Information Gathered by :

JML

 

 

Report Prepared by :

NIT

 

 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

5

PAID-UP CAPITAL

1~10

5

OPERATING SCALE

1~10

5

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

5

--PROFITABILIRY

1~10

5

--LIQUIDITY

1~10

6

--LEVERAGE

1~10

5

--RESERVES

1~10

6

--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

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

 

48

 

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.