MIRA INFORM REPORT

 

 

Report Date :

23.12.2013

 

IDENTIFICATION DETAILS

 

Name :

VIPUL INDUSTRIES PRIVATE LIMITED

 

VIPUL FASHIONS IS A UNIT OF VIPUL INDUSTRIES PRIVATE LIMITED

 

 

Formerly Known As :

VIPUL TEXTILE INDUSTRIES LIMITED (05.06.2003)

 

VIPUL TEXTILE INDUSTRIES PRIVATE LIMITED

 

 

Registered Office :

255/257, GIDC, Road No. 2, Sachin, Surat - 394230, Gujarat

 

 

Country :

India

 

 

Financials (as on) :

31.03.2013

 

 

Date of Incorporation :

06.08.1986

 

 

Com. Reg. No.:

04-008854

 

 

Capital Investment / Paid-up Capital :

Rs. 38.150 Millions

 

 

CIN No.:

[Company Identification No.]

U17119GJ1986PTC008854

 

 

Legal Form :

Private Limited Liability Company

 

 

Line of Business :

Manufacturer and Exporter of Sarees and Dress Materials.

 

 

No. of Employees :

400 (Approximately)

 

 

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 730000

 

 

Status :

Satisfactory

 

 

Payment Behaviour :

Usually Correct

 

 

Litigation :

Clear

 

 

Comments :

Subject is an established company having a satisfactory track record.

 

Profitability of the company appears to be fair.

 

Trade relations are reported as fair. Business is active. Payments are usually correct.

 

The company can be considered 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.

 

 

ECGC Country Risk Classification List – March 31st, 2013

 

Country Name

Previous Rating

(31.12.2012)

Current Rating

(31.03.2013)

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

 

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.

 

 

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. Rajiv

Designation :

Admin Manager

Contact No.:

91-9328359203

Date :

04.12.2013

 

 

LOCATIONS

 

Registered Office :

255/257, GIDC, Road No. 2, Sachin, Surat - 394230, Gujarat, India

Tel. No.:

91-261-4010401/ 3019639

Mobile No.:

91-9328359203 (Mr. Rajiv)

Fax No.:

91-261-4010430

E-Mail :

vipulind@drdcs.net

contact@vipulfashions.com

Website :

www.vipulfashions.com

Location :

Owned

 

 

Sales Office :

Basement, Sagar Shopping Center, Sahara Darwaja, Ring Road, Surat - 395002, Gujarat, India

 

 

DIRECTORS

 

AS ON 27.09.2010

 

Name :

Mr. Mukeshkumar Balmukund Agarwal

Designation :

Director

Address :

9A, Ratan Shyam Apartment, Ghod Dod Road, Surat, Gujarat, India

Date of Birth/Age :

01.08.1961

Date of Appointment :

06.08.1986

DIN No.:

00074284

 

Other Directorship:

 

S. No.

CIN/LLPIN

Name of the Company/ LLP

Current designation of the Director/ Designated Partner

Date of appointment at current designation

Original date of appointment

Date of cessation

Company/ LLP Status

Defaulting status

1

U17119GJ1986PTC008854

VIPUL INDUSTRIES PRIVATE LIMITED

Director

06/08/1986

06/08/1986

-

Active

NO

2

U25200MH1993PTC071549

TRUPATI OVERSEAS PRIVATE LIMITED

Director

12/04/1993

12/04/1993

02/01/2009

Active

YES

3

U15122MH2000PTC125707

EXCEL ICE SERVICES PRIVATE LIMITED

Director

10/04/2000

10/04/2000

-

Active

YES

4

U63040MH2003PTC139516

PREMIER OCEAN LINK IMPEX PRIVATE LIMITED

Director

10/03/2003

10/03/2003

-

Active

YES

5

U65910GJ1994PLC022730

GOLDSTAR LEASE FINANCING LIMITED

Additional director

05/03/2008

05/03/2008

10/10/2012

Active

NO

6

U63023MH1982PTC028420

CRYSTAL COLDSTORAGE COMPANY PRIVATE LIMITED

Director

15/10/2009

15/10/2009

-

Active

YES

7

U74999MH1978PLC020328

VIPUL IMPEX AND INFRABUILD LIMITED

Director

15/10/2009

15/10/2009

-

Active

NO

8

U17120MH2010PTC210941

VANSHIKA INDUSTRIES PRIVATE LIMITED

Director

13/12/2010

13/12/2010

05/01/2011

Active

NO

9

U17120MH2011PTC220936

AYAAN TRENDZ PRIVATE LIMITED

Director

01/05/2012

01/05/2012

-

Active

NO

 

 

Name :

Mr. Anilkumar Balmukund Agarwal

Designation :

Director

Address :

10A Raj Vaibhav, Near Commissioner Banglow, Athwalines, Surat, Gujarat, India

Date of Birth/Age :

08.01.1955

Date of Appointment :

01.11.2000

DIN No.:

00052153

 

Other Directorship:

 

S. No.

CIN/LLPIN

Name of the Company/ LLP

Current designation of the Director/ Designated Partner

Date of appointment at current designation

Original date of appointment

Date of cessation

Company/ LLP Status

Defaulting status

1

U17114GJ1990PTC014494

VIPUL FASHIONS PRIVATE LIMITED

Director

09/10/1990

09/10/1990

-

Amalgamated

NO

2

U25200MH1993PTC071549

TRUPATI OVERSEAS PRIVATE LIMITED

Director

12/04/1993

12/04/1993

02/01/2009

Active

YES

3

U17309GJ1993PTC019682

VIPUL FABRICS PRIVATE LIMITED

Director

21/06/1993

21/06/1993

-

Amalgamated

NO

4

U65910GJ1994PLC022730

GOLDSTAR LEASE FINANCING LIMITED

Director

10/08/1994

10/08/1994

10/10/2012

Active

NO

5

U17119GJ1991PTC015599

VIPUL TEX-FAB PRIVATE LIMITED

Director

15/04/1998

15/04/1998

-

Amalgamated

NO

6

U15122MH2000PTC125707

EXCEL ICE SERVICES PRIVATE LIMITED

Director

10/04/2000

10/04/2000

-

Active

YES

7

U17119GJ1986PTC008854

VIPUL INDUSTRIES PRIVATE LIMITED

Director

01/11/2000

01/11/2000

-

Active

NO

8

U63023MH1982PTC028420

CRYSTAL COLDSTORAGE COMPANY PRIVATE LIMITED

Director

15/10/2009

15/10/2009

-

Active

YES

9

U74999MH1978PLC020328

VIPUL IMPEX AND INFRABUILD LIMITED

Director

15/10/2009

15/10/2009

-

Active

NO

10

U80301GJ2010PTC060728

SPRING VALLEY EDUCATION INSTITUTE PRIVATE LIMITED

Director

14/05/2010

14/05/2010

-

Active

NO

11

U17120MH2010PTC210941

VANSHIKA INDUSTRIES PRIVATE LIMITED

Director

13/12/2010

13/12/2010

05/01/2011

Active

NO

12

U17120MH2011PTC220936

AYAAN TRENDZ PRIVATE LIMITED

Director

01/05/2012

01/05/2012

-

Active

NO

 

 

Name :

Mr. Ankoor Anilkumar Agarwal

Designation :

Director

Address :

10A Raj Vaibhav, Near Commissioner Banglow, Athwalines, Surat, Gujarat, India

Date of Birth/Age :

21.03.1981

Date of Appointment :

01.06.1999

DIN No.:

01636576

 

Other Directorship:

 

S. No.

CIN/LLPIN

Name of the Company/ LLP

Current designation of the Director/ Designated Partner

Date of appointment at current designation

Original date of appointment

Date of cessation

Company/ LLP Status

Defaulting status

1

U17119GJ1986PTC008854

VIPUL INDUSTRIES PRIVATE LIMITED

Director

01/06/1999

01/06/1999

-

Active

NO

2

U63040MH2003PTC139516

PREMIER OCEAN LINK IMPEX PRIVATE LIMITED

Director

10/03/2003

10/03/2003

-

Active

YES

3

U17114GJ1990PTC014494

VIPUL FASHIONS PRIVATE LIMITED

Director

25/01/2007

25/01/2007

-

Amalgamated

NO

4

U17120MH2010PTC210941

VANSHIKA INDUSTRIES PRIVATE LIMITED

Director

13/12/2010

13/12/2010

05/01/2011

Active

NO

5

U17120MH2011PTC220936

AYAAN TRENDZ PRIVATE LIMITED

Director

01/05/2012

01/05/2012

-

Active

NO

6

U74120GJ2012PTC070421

NAVYA CORPORATION PRIVATE LIMITED

Director

21/05/2012

21/05/2012

-

Active

NO

 

 

Name :

Mr. Akash Agarwal

Designation :

Director

Address :

9A, Ratan Shyam Apartment, Ghod Dod Road, Surat, Gujarat, India

Date of Birth/Age :

01.04.1987

Date of Appointment :

01.09.2008

DIN No.:

02276733

 

Other Directorship:

 

S. No.

CIN/LLPIN

Name of the Company/ LLP

Current designation of the Director/ Designated Partner

Date of appointment at current designation

Original date of appointment

Company/ LLP Status

Defaulting status

1

U17119GJ1986PTC008854

VIPUL INDUSTRIES PRIVATE LIMITED

Director

01/09/2008

01/09/2008

Active

NO

2

U17120MH2010PTC210941

VANSHIKA INDUSTRIES PRIVATE LIMITED

Director

13/12/2010

13/12/2010

Active

NO

3

U17120MH2011PTC220936

AYAAN TRENDZ PRIVATE LIMITED

Director

12/08/2011

12/08/2011

Active

NO

4

U52209GJ2012PTC069796

GO ORGANIC PRIVATE LIMITED

Director

10/04/2012

10/04/2012

Active

NO

 

 

Name :

Mr. Kishnagopal Balmukund Agarwal

Designation :

Director

Address :

83, Sneth Sadan Sahid Bagatsingh Marg, Opposite Colaba Post Office, Mumbai, Maharashtra, India

Date of Birth/Age :

15.09.1950

Date of Appointment :

06.08.1986

Date of Cessation :

08.06.2012

DIN No.:

01582803

 

 

KEY EXECUTIVES

 

Name :

Mr. Rajiv

Designation :

Admin Manager

 


 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

AS ON 27.09.2010

 

Names of Shareholders

No. of Shares

Akash M. Agarwal

21174

Anilkumar B. Agarwal

21174

Ankurkumar A. Agarwal

21179

Asha Agarwal

20605

Aman M. Agarwal

13918

Akanksha Agarwal

9799

Kapil Agarwal

21193

Kishnagopal B. Agarwal

21147

Kishnagopal Agarwal (HUF)

60

Madhurika Agarwal

17666

Mukeshkumar B. Agarwal

21163

Mukeshkumar Agarwal (HUF)

64

Meena A. Agarwal

21165

Vipulkumar Agarwal

7824

Sukhmal and Sons HUF

4740

Anilkumar Agarwal HUF

10

TOTAL

222881

 

 

AS ON 04.10.2010

 

Names of Allottees

No. of Shares

 

Aman M Agarwal

6

Akanksha Agarwal

6

Vipulkumar Agarwal

7

TOTAL

19

 

 

AS ON 04.12.2010

 

Names of Allottees

No. of Shares

 

Anilkumar B. Agarwal

14302

Anilkumar B. Agarwal HUF

6

Meena A. Agarwal

14296

Ankurkumar A. Agarwal

14306

Akanksha Agarwal

6623

Kishnagopal B. Agarwal

14786

Kishnagopal Agarwal (HUF)

40

Asha Agarwal

14408

Kapil Agarwal

14818

Vipulkumar Agarwal

5482

Mukeshkumar B. Agarwal

14166

Mukeshkumar Agarwal (HUF)

42

Madhurika Agarwal

11826

Akash M. Agarwal

14174

Aman M. Agarwal

9325

TOTAL

148600

 

AS ON 21.03.2011

 

Names of Allottees

No. of Shares

 

Emporis Projects Limited, India

5000

Speciality Papers Limited, India

5000

TOTAL

10000

 

AS ON 27.09.2010

 

Equity Shares Break Up

Percentage of Holding

Directors or relatives of Directors

100.00

TOTAL

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Manufacturer and Exporter of Sarees and Dress Materials.

 

 

Products :

ITC Code

Product Descriptions

0120

Dyed and Printed Fabrics, Art Silk Fabrics, Art Silk Clothes

 

 

Exports :

 

Products :

Sarees and Dress Materials

Countries :

Ø       USA

Ø       Gulf Countries

 

 

Imports :

 

Products :

Raw Material

Countries :

Korea

 

 

Terms :

 

Selling :

Cash and Credit (30 Days to 60 Days)

 

 

Purchasing :

Cash and Credit (30 Days to 60 Days)

 

PRODUCTION STATUS (AS ON 31.03.2011)

 

Particulars

Unit

Licensed Capacity

Installed Capacity

Actual Production

Grey Cloth

Mtrs.

Not Applicable

Not Applicable

2307701

Finished Fabrics

Mtrs.

Not Applicable

Not Applicable

4893106

Dyed and Printed Fabrics

Mtrs.

Not Applicable

Not Applicable

14250172

Wind Mill – Electricity Units

Units

Not Applicable

Not Applicable

1608903

 

 

GENERAL INFORMATION

 

Customers :

Wholesalers, Retailers and End Users

 

 

No. of Employees :

400 (Approximately)

 

 

Bankers :

·         Bank of Baroda, Man Darwaja Branch, Near Kinnari Tolkiz, Ring Road, Surat – 395002, Gujarat, India

Tel No.: 91-261-2326016

 

·         Union Bank of India, Textile Market Branch, Ring Road, Surat-395002, Gujarat, India

 

 

Facilities :

Secured Loan

 

Rs. In Millions

31.03.2013

Rs. In Millions

31.03.2012

Long Term Borrowings

 

 

Term Loans from Bank of Baroda

17.151

30.189

Less: Installments due within 12 Months

(8.400)

(12.166)

Term Loans from LIC

2.812

2.812

Hire Purchase Facilities

0.707

1.902

Less: Installments due within 12 months

(0.675)

(1.195)

Short Term Borrowings

 

 

Working Capital Facility from Bank of Baroda

94.633

106.995

 

 

 

TOTAL

106.228

128.537

 

NOTES

 

LONG TERM BORROWINGS

 

1.       The term loans from Bank of Baroda carries interest @ base rate plus 5% p.a. The term loans are repayable in 60 monthly installments beginning from the date of loan. The term loan from Bank of Baroda are secured against hypothecation of Machinery and Wind Turbine Generator and also secured by way of personal guarantee of all the directors and corporate guarantee of M/s Vipul Exports. Further, the shop situated at B/2, Sagar Shopping Centre, Ring Road, Surat belonging to M/s Aakanksha Impex and Shop No.501, Sagar Shopping Centre, Ring Road, Surat belonging to the company has also offered as security by way of way of equitable mortgage.

 

2.       The vehicle loan from banks are secured by hypothecation of the respective Vehicles repayable over a period of 3 years and carries interest @ 8.75% to 10% p.a. The said term loans are also secured by way of personal guarantee of the directors.

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

DSI and Company

Chartered Accountants

Address :

MF/14-26, Nariman Point Shopping Centre, Near Raghuvir Bungalows, City Light Road, Surat – 395007, Gujarat, India

Tel. No.:

91-261-3992929/ 3994747

Fax No.:

91-261-3053838

PAN No.:

AAFFD4002N

 

 

Associates :

·         Vipul Exports

·         Vanshika Industries Private Limited

·         Aakaniksha Impex

·         Avaan Trendz Private Limited

 

 

CAPITAL STRUCTURE

 

AS ON 31.03.2013

 

Authorised Capital :

 

No. of Shares

Type

Value

Amount

 

 

 

 

400000

Equity Shares

Rs.100/- each

Rs. 40.000 Millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

 

No. of Shares

Type

Value

Amount

 

 

 

 

381500

Equity Shares

Rs.100/- each

Rs. 38.150 Millions

 

 

 

 

 

 


 

FINANCIAL DATA

[all figures are in Rupees Millions]

 

ABRIDGED BALANCE SHEET

 

SOURCES OF FUNDS

 

31.03.2013

31.03.2012

31.03.2011

I.        EQUITY AND LIABILITIES

 

 

 

(1)Shareholders' Funds

 

 

 

(a) Share Capital

38.150

38.150

38.150

(b) Reserves & Surplus

144.599

139.081

127.224

(c) Money received against share warrants

0.000

0.000

0.000

 

 

 

 

(2) Share Application money pending allotment

0.000

0.000

0.000

Total Shareholders’ Funds (1) + (2)

182.749

177.231

165.374

 

 

 

 

(3) Non-Current Liabilities

 

 

 

(a) long-term borrowings

25.740

37.031

43.272

(b) Deferred tax liabilities (Net)

20.729

22.013

23.316

(c) Other long term liabilities

0.000

0.000

0.000

(d) long-term provisions

0.000

0.000

0.000

Total Non-current Liabilities (3)

46.469

59.044

66.588

 

 

 

 

(4) Current Liabilities

 

 

 

(a) Short term borrowings

94.632

106.995

104.229

(b) Trade payables

99.950

110.001

139.634

(c) Other current liabilities

12.864

17.678

27.005

(d) Short-term provisions

8.046

9.475

13.092

Total Current Liabilities (4)

215.492

244.149

283.960

 

 

 

 

TOTAL

444.710

480.424

515.922

 

 

 

 

II.      ASSETS

 

 

 

(1) Non-current assets

 

 

 

(a) Fixed Assets

 

 

 

(i) Tangible assets

148.195

153.973

167.476

(ii) Intangible Assets

0.000

0.000

0.000

(iii) Capital work-in-progress

0.000

0.000

0.000

(iv) Intangible assets under development

0.000

0.000

0.000

(b) Non-current Investments

0.000

0.000

0.000

(c) Deferred tax assets (net)

0.000

0.000

0.000

(d)  Long-term Loan and Advances

4.519

5.926

25.564

(e) Other Non-current assets

0.329

0.542

0.754

Total Non-Current Assets

153.043

160.441

193.794

 

 

 

 

(2) Current assets

 

 

 

(a) Current investments

1.707

1.707

1.707

(b) Inventories

66.634

83.099

128.087

(c) Trade receivables

142.933

200.509

184.250

(d) Cash and cash equivalents

12.450

23.771

2.532

(e) Short-term loans and advances

67.943

10.897

5.552

(f) Other current assets

0.000

0.000

0.000

Total Current Assets

291.667

319.983

322.128

 

 

 

 

TOTAL

444.710

480.424

515.922

 

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

 

31.03.2013

31.03.2012

31.03.2011

 

SALES

 

 

 

 

 

Income

527.107

732.152

717.905

 

 

Other Income

2.920

13.974

0.980

 

 

TOTAL                                     (A)

530.027

746.126

718.885

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Cost of Material Consumed

141.929

184.196

203.940

 

 

Purchase of Stock In Trade

33.366

54.788

45.845

 

 

Employee benefits expenses

89.331

80.838

90.165

 

 

Other Expenses

219.739

329.156

355.116

 

 

Exceptional Items

0.000

0.019

0.007

 

 

Changes in inventories of Finished goods, work in progress and stock in trade

6.420

43.835

(34.455)

 

 

TOTAL                                     (B)

490.785

692.832

660.618

 

 

 

 

 

Less

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

39.242

53.294

58.267

 

 

 

 

 

Less

FINANCIAL EXPENSES                         (D)

17.714

23.793

20.264

 

 

 

 

 

 

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

21.528

29.501

38.003

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                     (F)

16.288

16.208

16.443

 

 

 

 

 

 

PROFIT / (LOSS) BEFORE TAX (E-F)                 (G)

5.240

13.293

21.560

 

 

 

 

 

Less

TAX                                                                  (H)

(0.278)

1.437

5.008

 

 

 

 

 

 

PROFIT / (LOSS) AFTER TAX (G-H)                  (I)

5.518

11.856

16.552

 

 

 

 

 

 

Earnings / (Loss) Per Share (Rs.)

14.46

31.08

43.39

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2013

31.03.2012

31.03.2011

PAT / Total Income

(%)

1.04

1.59

2.30

 

 

 

 

 

Net Profit Margin

(PBT/Sales)

(%)

0.99

1.82

3.00

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

1.18

2.77

4.18

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

0.03

0.08

0.13

 

 

 

 

 

Debt Equity Ratio

(Total Debt /Networth)

 

0.66

0.81

0.89

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

1.35

1.31

1.13

 

 

LOCAL AGENCY FURTHER INFORMATION

 

Sr. No.

Check List by Info Agents

Available in Report (Yes / No)

1]

Year of Establishment

Yes

2]

Locality of the firm

Yes

3]

Constitutions of the firm

Yes

4]

Premises details

Yes

5]

Type of Business

Yes

6]

Line of Business

Yes

7]

Promoter's background

Yes

8]

No. of employees

Yes

9]

Name of person contacted

Yes

10]

Designation of contact person

Yes

11]

Turnover of firm for last three years

Yes

12]

Profitability for last 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

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

 

 

Unsecured Loan

 

Rs. In Millions

31.03.2013

Rs. In Millions

31.03.2012

Long Term Borrowings

 

 

From Directors, relatives and shareholders

14.144

15.489

 

 

 

TOTAL

14.144

15.489

 

NOTES

 

LONG TERM BORROWINGS

 

The closing balances of unsecured loans are subject to confirmation however, the directors have, the directors have certified the respective balances, interest on unsecured loans @12% p.a. has been paid during year.

 

 

VIEW INDEX OF CHARGES

 

S. No

Charge ID

Date of Charge Creation /Modification

Charge amount secured

Charge Holder

Address

Service Request Number (SRN

1

10005900

21/03/2011 *

169,100,000.00

BANK OF BARODA

MAN DARWAJA BRANCH, RING ROAD, SURAT, GUJARAT - 3 
95002, INDIA

B08895856

2

90112496

07/04/1999

4,000,000.00

CENTRAL BANK

TEXTILA MARKET BRANCH, SAHARA DARWAJA, SURAT, GUJARAT, INDIA

-

3

90100643

18/01/1999

3,560,000.00

ANDHRA BANK

NANPURA BRANCH, TAMILIYAWAD, SURAT, Gujarat, INDIA

-

4

90094370

09/10/1998

15,000,000.00

CENTRAL BANK OF INDIA

SAHARA DARWAJS TEXTILE MARKET BRANCH, RING ROAD, SURAT, GUJARAT - 395002, INDIA

-

5

90095072

08/10/1998

13,000,000.00

CENTRAL BANK OF INDIA

SAHARA DARWAJS TEXTILE MARKET BRANCH, RING ROAD, SURAT, GUJARAT - 395002, INDIA

-

6

90107565

27/12/1995

17,150,000.00

ORIENTAL BANK OF COMMERCE

RING ROAD, SURAT, GUJARAT, INDIA

-

7

90101455

16/06/2005 *

3,950,000.00

ANDHRA BANK

RING ROAD BRANCH, SURAT, GUJARAT, INDIA

-

8

90112174

11/11/1993

5,000,000.00

THE SURAT PEOPLES CO-OP. BANK LIMITED

CENTRAL OFFICE; NAVAPARA, PARSI SHARI, SURAT, GUJARAT, INDIA

-

9

90101432

29/07/1993

9,600,000.00

GUJRAT INDUSTRIAL INVESTMENT CO; LIMITED

C. CHAMBERS, ASHRAM ROAD, AHMEDABAD, GUJARAT - 380009, INDIA

-

10

90385346

18/02/1988

2,343,000.00

GUAJRAT STATE FINANCIAL CORPORATION

ASHRAM ROAD, AHMEDABAD, GUJARAT, INDIA

-

11

90378815

26/03/1984

600,000.00

CANARA BANK

BANGALORE, BANGALORE, KARNATAKA, INDIA

-

* Date of charge modification

 

 

CORPORATE INFORMATION:

 

Subject is a private limited company and incorporated under the provisions of the Companies Act, 1956. The company is engaged in the business of processing of man-made Fabrics and embroidery work on job work basis, manufacturing and sale of finished fabrics and generation and captive consumption of electricity by installing wing mill.

 

 

OPERATIONS

 

During the year the Company’s turnover decreased to Rs. 527.107 Millions as compared to Rs. 732.152 Millions during previous year and total income of the Company decreased in the current year to Rs. 530.027 Millions as compared to previous years income of Rs. 746.126 Millions.

 

 

FIXED ASSETS

 

·         Freehold land

·         Leasehold land

·         Building

·         Plant and Machinery

·         Furniture and fixture

·         Office equipment

·         Electrical Installment

·         Vehicles

·         Computers

·         Windmill

·         Shop

·         Flats

·         Tempo

·         Web site development

 

 

 

 


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. 62.24

UK Pound

1

Rs. 101.80

Euro

1

Rs. 84.87

 

 

INFORMATION DETAILS

 

Information Gathered by :

NYA

 

 

Report Prepared by :

DPT


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

6

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

5

--LEVERAGE

1~10

5

--RESERVES

1~10

5

--CREDIT LINES

1~10

5

--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

 

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.