MIRA INFORM REPORT

 

 

Report Date :

24.12.2013

 

IDENTIFICATION DETAILS

 

Name :

IND-BARATH POWER INFRA LIMITED (w.e.f. 28.04.2008)

 

 

Formerly Known As :

IND-BARATH POWER INFRA PRIVATE LIMITED (w.e.f. 18.10.2006)

 

KANUMURI HOLDINGS PRIVATE LIMITED

 

 

Registered Office :

Plot No 30A, Road No 1, Film Nagar, Jubilee Hills, Hyderabad – 500033, Andhra Pradesh

 

 

Country :

India

 

 

Financials (as on) :

31.03.2013

 

 

Date of Incorporation :

17.02.1995

 

 

Com. Reg. No.:

01-019471

 

 

Capital Investment / Paid-up Capital :

Rs. 4995.916 Millions

 

 

CIN No.:

[Company Identification No.]

U65993AP1995PLC019471

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

HYDK01865D

 

 

PAN No.:

[Permanent Account No.]

AABCK3883B

 

 

Legal Form :

A Closely Held Public Limited Liability Company

 

 

Line of Business :

The principal activities of the Company are provision of operating and maintenance facilities relating to electric and all other kinds of power generation projects, construction and provision of infrastructure facilities to power projects on Erection, Procurement and Commissioning (EPC) basis including the responsibility for day to day operations, routine maintenance and management of the facility and the sale of coal.

 

 

No. of Employees :

Not Available

 

 

RATING & COMMENTS

 

MIRA’s Rating :

B (28)

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Maximum Credit Limit :

USD 32000000

 

 

Status :

Moderate

 

 

Payment Behaviour :

Slow

 

 

Litigation :

Clear

 

 

Comments :

Subject is an established company having moderate track record. The company has incurred a heavy loss during current year.

 

Reserves of the company also appears to be low.

 

However, trade relations are reported as fair. Business is active. Payments terms are reported to be slow.

 

The company can be considered for business dealings with some 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 – 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

 

Uptick in agriculture and construction spread some cheer as the economy grew a higher-than-expected 4.8 % in the three months through September. Manufacturing rose an annual rate per cent during the quarter and mining fell by 0.4 %, government data showed while farm output rose 46%.

 

India has emerged as the most attractive investment destination, thanks to a relaxation in foreign direct investment norms, says a report. India is followed by Brazil and China in the ranking part of EY’s Capital Confidence Barometer report based on a survey across 70 nations. The US, France and Japan have emerged as the top three investors likely to invest in India.

 

India has been ranked 83rd globally in terms of talent competitiveness of its human capital.  Switzerland, Singapore, Denmark, Sweden and Luxembourg are the top five in the list of 103 nations compiled by INSEAD business school.

 

Tax rates for companies in India are among the highest in the world and the number of payments is also more than the global average putting the country at low, 158th rank on the Paying Taxes. 2014 list by the World Bank and PWC. However, the time taken for tax payments is relatively less in India which is rated ahead of China and Japan.

 

1 billion smartphone shipments in 2013, a 39.3 % growth over 2012. This was being driven by low cost computing in emerging markets. By 2017, total smartphone shipments are expected to approach 1.7 billion units, resulting in a compound annual growth rate of 18.4 % between 2013 and 2017, according to research from IDC.

 

20 % vacancy rate of office space in Mumbai and Delhi in the third quarter, the highest in Asia after Chengdu, in China. According to Cushman and Wakefield, six Indian cities are among the 10 office markets with the worst vacancies.

 

Foreign banks will not have to pay stamp duty and capital gains tax, if they convert their branch operations into a wholly owned subsidiary, according to the Reserve Bank of India.

 

The Reserve Bank of India is planning to launch CPI – indexed bonds aimed to protecting the savings of retail investors from the impact the price rise by December end.

 

Central Bureau of Investigation has booked State Bank of India, Deputy Managing Director Shyamal Acharya and others in a graft case related to distribution of a loan of over Rs 4000 mn. Gold and jewellery  worth Rs 6.7 mn have been recovered from the residence of Acharya.

 

 

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 :

Plot No 30A, Road No 1, Film Nagar, Jubilee Hills, Hyderabad – 500033, Andhra Pradesh, India

Tel. No.:

91-40-23553459, 23553460

Fax No.:

91-40-23607522

E-Mail :

corporateoffice@ibpil.com

hyderabad@ibpil.com

Website :

http://www.ibpil.com

 

 

Corporate Office :

20/129, Chamiers Road, Nandam, Chennai – 600 035, Tamilnadu, India.

Tel. No.:

91-44-24346711/2/3/4

Fax No.:

91-44-24346715

E-Mail :

chennai@ibpil.com

 

 

DIRECTORS

 

As on 27.09.2013

 

Name :

Mr. Kanumuru Raghu Rama Krishna Raju

Designation :

Chairman and Managing Director

Address :

Plot No.212, O Road No.76, Jubllee Hills, Hyderabad  - 500096, Andhra Pradesh, India

Date of Birth/Age :

14.05.1962

Date of Appointment :

17.02.1995

DIN No.:

00020552

PAN No.:

ALTPK9688G

 

 

Name :

Mrs. Kanumuru Rama Devi

Designation :

Director

Address :

Plot No.212, O Road No.76, Jubllee Hills, Hyderabad  - 500096, Andhra Pradesh, India

Date of Birth/Age :

06.10.1964

Date of Appointment :

17.02.1995

DIN No.:

00042696

 

 

Name :

Mr. Dumpala Madhusudhana Reddy

Designation :

Director

Address :

Flat No.401, Radhakrishna Enclave, D-68, Madhuranagar, Hyderabad – 500038,  Andhra Pradesh, India

Date of Birth/Age :

01.07.1964

Date of Appointment :

29.01.2010

DIN No.:

00020567

 

 

Name :

Mr. Debi Prasad Bagchi

Designation :

Director

Address :

Y-165, Regency park II, DLF City, Phase IV, Gurgaon – 122009, Haryana, India

Date of Birth/Age :

21.10.1942

Date of Appointment :

06.05.2010

DIN No.:

00061648

 

 

Name :

Mr. Potharlanka Sasamka Babu

Designation :

Director

Address :

8-3-318/11/18, Jayaprakash Nagar, Yellareddyguda, Hyderabad – 500073, Andhra Pradesh, India

Date of Birth/Age :

03.11.1941

Date of Appointment :

06.05.2010

DIN No.:

00281786

 

 

Name :

Mr. Arasan K Balraj

Designation :

Director

Address :

J-76, Anna Nagar, Chennai – 600102, Tamilnadu, India

Date of Birth/Age :

07.07.1941

Date of Appointment :

06.05.2010

DIN No.:

01864772

 

 

Name :

Mr. Rahul Kumar Yadav

Designation :

Additional Director

Address :

The Heaven, Nalagarh Road, Pinjore – 134102, Haryana, India

Date of Birth/Age :

27.08.1963

Date of Appointment :

29.07.2011

DIN No.:

01649493

 

 

Name :

Mr. Abhay Kumar Pandey

Designation :

Nominee Director

Address :

1402, Purna, Pocakhanwala Road, Worli Sea Face, Mumbai – 400018, Maharashtra, India

Date of Birth/Age :

01.12.1971

Date of Appointment :

29.10.2009

DIN No.:

01650845

 

 

Name :

Mr. Vishal Vijay Gupta

Designation :

Nominee Director

Address :

71,7th Floor, Free Press House, Free Press Marg, Nariman Point, Mumbai – 400021, Maharashtra, India 

Date of Birth/Age :

24.09.1977

Date of Appointment :

29.10.2009

DIN No.:

01913013

 

 

KEY EXECUTIVES

 

Name :

Dr. P V S Jagan Mohan Rao

Designation :

Company Secretary

 

 

Name :

Mr. Pinnamaraju Venkata Subrahmanya Jaganmohan Rao

Designation :

Secretary

Address :

1-1-365/A, Flat-308, Hinasai Gardens, Gilmohar, Jawahar Nagar, Hyderabad – 500020, Andhra Pradesh, India

Date of Birth/Age :

01.07.1955

Date of Appointment :

16.11.2007

PAN No.:

ACUPP5474B

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

As on 27.09.2013

 

SHAREHOLDING DETAILS FILE ATTACHED

 

As on 27.09.2013

Equity Share Break up (Percentage of Total Equity)

 

Category

Percentage

Venture capital

3.70

Foreign holdings( Foreign institutional investor(s), Foreign companie(s) Foreign financial institution(s), Non-resident Indian(s) or Overseas Corporate bodies or Others

37.07

Bodies corporate

33.81

Directors or relatives of Directors

25.37

Other top fifty shareholders

0.05

Total

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

The principal activities of the Company are provision of operating and maintenance facilities relating to electric and all other kinds of power generation projects, construction and provision of infrastructure facilities to power projects on Erection, Procurement and Commissioning (EPC) basis including the responsibility for day to day operations, routine maintenance and management of the facility and the sale of coal.

 

 

GENERAL INFORMATION

 

No. of Employees :

Not Available

 

 

Bankers :

·         Axis Bank, Jubilee Hills Branch, Hyderabad, Andhra Pradesh, India

·         IDBI Bank, Hyderabad Branch, Chapel Road, Hyderabad, Andhra Pradesh, India

·         Allahabad Bank, Industrial Finance Branch, Ameerpet, Hyderabad, Andhra Pradesh, India

 

 

Facilities :

(Rs. In Millions)

Secured Loan

As on

31.03.2013

As on

31.03.2012

Long-term borrowings

 

 

Term loans from others

600.000

600.000

Rupee term loans from banks

0.000

4.093

Rupee term loans from others

600.000

600.000

Total

1200.000

1204.093

 

 

 

Banking Relations :

---

 

 

Financial Institutions :

IL & FS Trust Company Limited, IL & FS Financial Centreplot No C22 G Block Bandra, Kurla Complex Bandra East, Mumbai - 400051, Maharashtra, India

 

 

Auditors :

 

Name :

B S R and Company

Chartered Accountants

Address :

Reliance Humsafar, IV Floor Road No.11, Banjara Hills, Hyderabad 500 034, Andhra Pradesh, India

PAN No.:

AAIFB0630K

 

 

Subsidiaries :

·         Arkay Energy Rameswarm Limited

·         Ind Barath Power Gencom Limited

·         Ind Barath Energies Limited

·         Ind Barath Energies Thoothukkudi Limited

·         Ind Barath Energies Maharashtra Limited

·         Dharmshala Hydro Power Limited

·         Raghu Rama Renewable Energy Limited

·         Ind Barath Thermal Power Limited

·         Ind Barath Energy Utkal Limited

·         Ind Barath Energies Chhattisgarh Limited

·         Ind Barath Power Madras Limited

·         PT Indbharath Energy

 

 

Step Down Subsidiary :

Indira Priyadarshini Hydro Power Private Limited

 

 

CAPITAL STRUCTURE

 

As on 27.09.2013

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

203431500

Equity Shares

Rs.10/- each

Rs.2034.315 Millions

7400000

10% Non-Cumulative Non- Compulsorily Redeemable Preference Share 

Rs.10/- each

Rs.74.000 Millions

407090

0.01% Class A Cumulative Compulsorily Redeemable Preference Share 

Rs.1000/- each

Rs.407.090 Millions

718595

0.01% Class A1 Cumulative Compulsorily Redeemable Preference Share 

Rs.1000/- each

Rs.718.595 Millions

20000000

0.01% Class B Cumulative Compulsorily Redeemable Preference Share 

Rs.100/- each

Rs.2000.000 Millions

8333335

0.01% Class C Cumulative Compulsorily Redeemable Preference Share 

Rs.100/- each

Rs.833.334 Millions

 

Total

 

Rs.6067.334 Millions

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

96289767

Equity Shares

Rs.10/- each

Rs.962.898 Millions

7400000

10% Non-Cumulative Non- Compulsorily Redeemable Preference Share 

Rs.10/- each

Rs.74.000 Millions

407090

0.01% Class A Cumulative Compulsorily Redeemable Preference Share 

Rs.1000/- each

Rs.407.090 Millions

718595

0.01% Class A1 Cumulative Compulsorily Redeemable Preference Share 

Rs.1000/- each

Rs.718.595 Millions

20000000

0.01% Class B Cumulative Compulsorily Redeemable Preference Share 

Rs.100/- each

Rs.2000.000 Millions

8333333

0.01% Class C Cumulative Compulsorily Redeemable Preference Share 

Rs.100/- each

Rs.833.333 Millions

 

Total

 

Rs.4995.916 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

4995.916

4995.916

4995.916

(b) Reserves & Surplus

2581.102

2988.109

3049.012

(c) Money received against share warrants

604.021

604.021

604.021

 

 

 

 

(2) Share Application money pending allotment

0.000

0.000

0.000

Total Shareholders’ Funds (1) + (2)

8181.039

8588.046

8648.949

 

 

 

 

(3) Non-Current Liabilities

 

 

 

(a) long-term borrowings

1200.000

1204.093

10.278

(b) Deferred tax liabilities (Net)

9.605

11.280

6.144

(c) Other long term liabilities

0.000

0.000

0.000

(d) long-term provisions

0.348

0.250

0.155

Total Non-current Liabilities (3)

1209.953

1215.623

16.577

 

 

 

 

(4) Current Liabilities

 

 

 

(a) Short term borrowings

2681.695

2209.423

2148.368

(b) Trade payables

156.647

240.513

7.437

(c) Other current liabilities

243.488

66.556

10.183

(d) Short-term provisions

5.210

5.304

0.071

Total Current Liabilities (4)

3087.040

2521.796

2166.059

 

 

 

 

TOTAL

12478.032

12325.465

10831.585

 

 

 

 

II.      ASSETS

 

 

 

(1) Non-current assets

 

 

 

(a) Fixed Assets

 

 

 

(i) Tangible assets

31.895

34.134

36.418

(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

11127.380

10533.724

9418.799

(c) Deferred tax assets (net)

0.000

0.000

0.000

(d)  Long-term Loan and Advances

19.076

2.305

0.500

(e) Other Non-current assets

2.655

10.688

13.980

Total Non-Current Assets

11181.006

10580.851

9469.697

 

 

 

 

(2) Current assets

 

 

 

(a) Current investments

0.000

0.000

0.000

(b) Inventories

0.000

0.000

0.000

(c) Trade receivables

0.145

0.111

0.299

(d) Cash and cash equivalents

17.288

20.540

77.098

(e) Short-term loans and advances

1271.166

1658.914

1220.934

(f) Other current assets

8.427

65.049

63.557

Total Current Assets

1297.026

1744.614

1361.888

 

 

 

 

TOTAL

12478.032

12325.465

10831.585

 


 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

31.03.2013

31.03.2012

31.03.2011

 

SALES

 

 

 

 

 

Income

163.133

249.118

179.822

 

 

Other Income

55.648

210.813

71.585

 

 

TOTAL                                     (A)

218.781

459.931

251.407

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Purchases of stock-in-trade

155.891

240.139

168.371

 

 

Employee benefit expense

8.559

(2.028)

16.335

 

 

Other expenses

65.490

36.710

33.336

 

 

TOTAL                                     (B)

229.940

274.821

218.042

 

 

 

 

 

Less

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

(11.159)

18.110

33.365

 

 

 

 

 

Less

FINANCIAL EXPENSES                         (D)

395.214

228.897

4.161

 

 

 

 

 

 

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

(406.373)

(43.787)

29.204

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                     (F)

2.306

2.309

2.286

 

 

 

 

 

 

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

(408.679)

(46.096)

26.918

 

 

 

 

 

Less

TAX                                                                  (H)

(1.672)

5.136

(0.559)

 

 

 

 

 

 

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

(407.007)

(51.232)

27.477

 

 

 

 

 

 

Earnings Per Share (Rs.)

(4.23)

(0.53)

0.30

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2013

31.03.2012

31.03.2011

PAT / Total Income

(%)

(186.03)

(11.14)

10.93

 

 

 

 

 

Net Profit Margin

(PBT/Sales)

(%)

(250.52)

(18.50)

0.15

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

(30.26)

(2.57)

1.91

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

(0.05)

(0.01)

0.00

 

 

 

 

 

Debt Equity Ratio

(Total Debt /Networth)

 

0.47

0.40

0.25

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

0.42

0.69

0.63

 

 

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

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

No

34]

External Agency Rating, if available

No

 

 

COMPANY OVERVIEW

 

Subject was incorporated on 17 February 1995. On 29 May 2008, the Company was converted into public company and the name was changed to Ind-Barath Power Infra Limited. The principal activities of the Company are provision of operating and maintenance facilities relating to electric and all other kinds of power generation projects, construction and provision of infrastructure facilities to power projects on Erection, Procurement and Commissioning (EPC) basis including the responsibility for day to day operations, routine maintenance and management of the facility and the sale of coal. The Company also generates electricity using the wind generators which has an installed capacity of 0.75 MW, situated at Idduki, Kerala.

 

 

UNSECURED LOAN

Rs. In Millions

Particular

As on

31.03.2013

As on

31.03.2012

Short-term borrowings

 

 

Loans repayable on demand from banks

2129.387

1807.800

Loans and advances from others

499.096

348.412

Other loans and advances

53.211

53.211

Total

2681.694

2209.423

 

 

 

INDEX OF CHARGES

 

S.No.

Charge ID

Date of Charge Creation/Modification

Charge amount secured

 

Charge Holder

Address

Service Request Number (SRN)

1

10202062

10/12/2012 *

2,000,000,000.00

AXIS BANK LIMITED

H NO 8-2-293/82/J-III/19, ROAD NO 71, JUBILEE HIL LS, HYDERABAD, ANDHRA PRADESH - 500034, INDIA

B65895971

2

10090514

27/02/2008

30,000,000.00

ALLAHABAD BANK

INDUSTRIAL FINANCE BRANCH, 6-3-850/3, 1ST FLOOR, AMEERPET MAIN ROAD, HYDERABAD, ANDHRA PRADESH - 500016, INDIA

A33666009

 

* Date of charge modification

 

 

 

FIXED ASSETS

 

·         Plant and equipment

·         Factory equipments

·         Furniture and fixtures

·         Office equipment

·         Computer equipments

·         Other equipments

 

 


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.61.99

UK Pound

1

Rs.101.37

Euro

1

Rs.84.82

 

 

INFORMATION DETAILS

 

Report Prepared by :

NTH

 


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

4

PAID-UP CAPITAL

1~10

4

OPERATING SCALE

1~10

3

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

3

--PROFITABILIRY

1~10

3

--LIQUIDITY

1~10

3

--LEVERAGE

1~10

3

--RESERVES

1~10

3

--CREDIT LINES

1~10

2

--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

 

28

 

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.