|
Report Date : |
01.02.2013 |
IDENTIFICATION DETAILS
|
Name : |
MACRO COSMIC ENGINEERS PRIVATE LIMITED |
|
|
|
|
Registered
Office : |
H/O Mohammed Hashim, Kabar Lane, Exhibition Road, Patna – 800001,
Bihar |
|
|
|
|
Country : |
|
|
|
|
|
Financials (as
on) : |
31.03.2012 |
|
|
|
|
Date of
Incorporation : |
17.02.2006 |
|
|
|
|
Com. Reg. No.: |
03-011994 |
|
|
|
|
Capital Investment
/ Paid-up Capital : |
Rs. 0.340 Million |
|
|
|
|
CIN No.: [Company Identification
No.] |
U31300BR2006PTC011994 |
|
|
|
|
Legal Form : |
Private Limited Liability Company |
|
|
|
|
Line of Business
: |
Manufacturer of Electrical Products. |
|
|
|
|
No. of Employees
: |
18 (Approximately) |
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 7000 |
|
|
|
|
Status : |
Small Company |
|
|
|
|
Payment Behaviour : |
Slow but correct |
|
|
|
|
Litigation : |
Clear |
|
|
|
|
Comments : |
Subject is a small company in its filed. Its scale of activities is limited.
Profitability appears to be minimal. However, trade relations are reported as fair. Business is active.
Payment terms are reported as slow. The company can be considered for small to mediocre 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 |
INDIAN ECONOMIC OVERVIEW
India is developing into an open-market economy, yet traces
of its past autarkic policies remain. Economic liberalization, including
industrial deregulation, privatization of state-owned enterprises, and reduced
controls on foreign trade and investment, began in the early 1990s and has
served to accelerate the country's growth, which has averaged more than 7% per
year since 1997. India's diverse economy encompasses traditional village
farming, modern agriculture, handicrafts, a wide range of modern industries,
and a multitude of services. Slightly more than half of the work force is in
agriculture, but services are the major source of economic growth, accounting
for more than half of India's output, with only one-third of its labor force.
India has capitalized on its large educated English-speaking population to
become a major exporter of information technology services and software
workers. In 2010, the Indian economy rebounded robustly from the global
financial crisis - in large part because of strong domestic demand - and growth
exceeded 8% year-on-year in real terms. However, India's economic growth in
2011 slowed because of persistently high inflation and interest rates and
little progress on economic reforms. High international crude prices have
exacerbated the government's fuel subsidy expenditures contributing to a higher
fiscal deficit, and a worsening current account deficit. Little economic reform
took place in 2011 largely due to corruption scandals that have slowed
legislative work. India's medium-term growth outlook is positive due to a young
population and corresponding low dependency ratio, healthy savings and
investment rates, and increasing integration into the global economy. India has
many long-term challenges that it has not yet fully addressed, including
widespread poverty, inadequate physical and social infrastructure, limited
non-agricultural employment opportunities, scarce access to quality basic and
higher education, and accommodating rural-to-urban migration.
|
Source
: CIA |
RBI DEFAULTERS’ LIST STATUS
Subject’s name is not enlisted as a defaulter
in the publicly available RBI Defaulters’ list.
EPF (Employee Provident Fund) DEFAULTERS’ LIST STATUS
Subject’s name is not enlisted as a defaulter
in the publicly available EPF (Employee Provident Fund) Defaulters’ list as of
31-03-2012.
INFORMATION PARTED BY
|
Name : |
Mr. Sunit Chandra |
|
Designation : |
Director |
|
Contact No.: |
91-9430606997 |
|
Date : |
29.01.2013 |
LOCATIONS
|
Registered Office : |
H/O Mohammed Hashim, Kabar Lane, Exhibition Road, Patna – 800001,
Bihar, India |
|
Tel. No.: |
91-612-2242021 |
|
Mobile No.: |
91-9430606997 (Mr. Sunit Chandra) |
|
Fax No.: |
Not Available |
|
E-Mail : |
|
|
Website : |
|
|
Area : |
2000 Sq. ft. |
|
Location : |
Owned |
|
|
|
|
Factory : |
Chandra Brothers Campus, Road No. 6C, Gardani Bagh, Patna – 800001,
Bihar, India |
|
Area : |
5000 Sq. ft. |
|
Location : |
Owned |
DIRECTORS
As on: 29.09.2012
|
Name : |
Mr. Sunit Chandra |
|
Designation : |
Director |
|
Address : |
6-C, Gardanibagh, Chandrakanan, Patna – 800002, Bihar, India |
|
Date of Birth/Age : |
26.01.1969 |
|
Date of Appointment : |
17.02.2006 |
|
DIN No.: |
01230667 |
|
|
|
|
Name : |
Mr. Mohammad Meraj Ahmed |
|
Designation : |
Director |
|
Address : |
Gola Road, Baker Ganj, Patna – 800001, Bihar, India |
|
Date of Birth/Age : |
18.09.1982 |
|
Date of Appointment : |
17.02.2006 |
|
DIN No.: |
01230647 |
MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN
As on: As on: 29.09.2012
|
Names of Shareholders |
|
No. of Shares |
|
Meraj MD. Ahmed |
|
1450 |
|
Imtiyaz MD. Ahmed |
|
250 |
|
Neeta Chandra |
|
250 |
|
Pinky Chandra |
|
250 |
|
Sunit Chandra |
|
1200 |
|
Total |
|
3400 |
Equity Share Break up (Percentage of Total Equity)
As on: 29.09.2012
|
Category |
Percentage |
|
Directors or relatives of Directors |
100.00 |
|
Total |
100.00 |
BUSINESS DETAILS
|
Line of Business : |
Manufacturer of Electrical Products. |
|
|
|
|
Terms : |
|
|
Selling : |
Cash and Credit |
|
|
|
|
Purchasing : |
Cash and Credit |
GENERAL INFORMATION
|
Suppliers : |
Mahavir Electricals |
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|
|||||||||
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Customers : |
End Users
|
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|
|||||||||
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No. of Employees : |
18 (Approximately) |
|||||||||
|
|
|
|||||||||
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Bankers : |
Union Bank of India, Exhibition Road Branch, Exhibition Road, Patna - 800001, Bihar, India Tel No.: 1800222244 |
|||||||||
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|
|||||||||
|
Facilities : |
(Rs.
In Millions)
|
|
|
|
|
Banking
Relations : |
-- |
|
|
|
|
Auditors : |
|
|
Name : |
Bipin Vivek and Associates Chartered Accountant |
|
Address : |
205 Vrindavan Kunj, Exhibition Road, Patna – 800001, Bihar, India |
|
PAN.: |
AAGFB0660F |
CAPITAL STRUCTURE
As on: 29.09.2012
Authorised Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
|
|
|
|
|
10000 |
Equity Shares |
Rs.100/- each |
Rs. 1.000 Million |
|
|
|
|
|
Issued, Subscribed & Paid-up Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
|
|
|
|
|
3400 |
Equity Shares |
Rs.100/-
each |
Rs. 0.340 Million |
|
|
|
|
|
Reconciliation of the
number of shares outstanding at the beginning and at the end of the reporting
period:
|
Particulars |
Opening Balance |
Issued During the Year |
Closing Balance |
|
Year Ended 31-03-2012 |
3400 |
000 |
3400 |
|
Year Ended 31-03-2011 |
3400 |
000 |
3400 |
Number of Shares held
in the company by each shareholder holding more than 5 percent shares:
|
Name |
Number of Shares |
% |
|
Sunit Chandra |
1200 |
35 |
|
Md. Meraj Ahmed |
1450 |
43 |
|
Md. Imteyaz Ahmed |
250 |
7 |
|
Neeta Chandra |
250 |
7 |
|
Pinky chandra |
250 |
7 |
FINANCIAL DATA
[all figures are
in Rupees Millions]
ABRIDGED BALANCE
SHEET
|
SOURCES OF FUNDS |
31.03.2012 |
31.03.2011 |
31.03.2010 |
|
|
SHAREHOLDERS FUNDS |
|
|
|
|
|
1] Share Capital |
0.340 |
0.340 |
0.340 |
|
|
2] Share Application Money |
0.977 |
0.753 |
0.000 |
|
|
3] Reserves & Surplus |
0.566 |
0.419 |
0.386 |
|
|
4] (Accumulated Losses) |
0.000 |
0.000 |
0.000 |
|
|
NETWORTH |
1.883 |
1.512 |
0.726 |
|
|
LOAN FUNDS |
|
|
|
|
|
1] Secured Loans |
0.759 |
0.000 |
0.000 |
|
|
2] Unsecured Loans |
0.000 |
0.000 |
0.200 |
|
|
TOTAL BORROWING |
0.759 |
0.000 |
0.200 |
|
|
DEFERRED TAX LIABILITIES |
0.027 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
2.669 |
1.512 |
0.926 |
|
|
|
|
|
|
|
|
APPLICATION OF FUNDS |
|
|
|
|
|
|
|
|
|
|
|
FIXED ASSETS [Net Block] |
2.576 |
0.662 |
0.536 |
|
|
Capital work-in-progress |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
INVESTMENT |
0.000 |
0.000 |
0.000 |
|
|
DEFERREX TAX ASSETS |
0.000 |
0.000 |
0.000 |
|
|
OTHER NON CURRENT ASSETS |
0.010 |
0.013 |
0.000 |
|
|
|
|
|
|
|
|
CURRENT ASSETS, LOANS & ADVANCES |
|
|
|
|
|
|
Inventories |
6.736
|
3.823 |
1.908 |
|
|
Sundry Debtors |
2.491
|
1.288 |
2.548 |
|
|
Cash & Bank Balances |
0.115
|
0.119 |
0.079 |
|
|
Other Current Assets |
0.006
|
0.006 |
0.000 |
|
|
Loans & Advances |
0.759
|
0.236 |
0.157 |
|
Total
Current Assets |
10.107
|
5.472 |
4.692 |
|
|
Less : CURRENT
LIABILITIES & PROVISIONS |
|
|
|
|
|
|
Sundry Creditors |
5.976
|
3.278 |
3.612 |
|
|
Other Current Liabilities |
4.007
|
1.339 |
0.000 |
|
|
Provisions |
0.041
|
0.018 |
0.706 |
|
Total
Current Liabilities |
10.024
|
4.635 |
4.318 |
|
|
Net Current Assets |
0.083
|
0.837 |
0.374 |
|
|
|
|
|
|
|
|
MISCELLANEOUS EXPENSES |
0.000 |
0.000 |
0.016 |
|
|
|
|
|
|
|
|
TOTAL |
2.669 |
1.512 |
0.926 |
|
PROFIT & LOSS
ACCOUNT
|
|
PARTICULARS |
31.03.2012 |
31.03.2011 |
31.03.2010 |
|
|
|
SALES |
|
|
|
|
|
|
|
Sale of Products |
16.885 |
5.914 |
12.848 |
|
|
|
Sale of Services |
0.018 |
0.000 |
0.000 |
|
|
|
Other Operating Revenue |
0.000 |
0.055 |
0.000 |
|
|
|
Other Income |
0.000 |
0.000 |
0.155 |
|
|
|
TOTAL (A) |
16.903 |
5.969 |
13.003 |
|
|
|
|
|
|
|
|
Less |
EXPENSES |
|
|
|
|
|
|
|
Cost of Materials and Services consumed |
14.061 |
4.928 |
10.579 |
|
|
|
Change in Value of Inventories (increase/ Decrease in value) |
(0.498) |
(0.222) |
0.130 |
|
|
|
Employee benefits expenses |
1.809 |
0.677 |
0.000 |
|
|
|
Operating and Other expenses |
1.004 |
0.411 |
1.975 |
|
|
|
TOTAL (B) |
16.376 |
5.794 |
12.684 |
|
|
|
|
|
|
|
|
Less |
PROFIT
BEFORE INTEREST, TAX, DEPRECIATION AND AMORTISATION (A-B) (C) |
0.527 |
0.175 |
0.319 |
|
|
|
|
|
|
|
|
|
Less |
FINANCIAL
EXPENSES (D) |
0.105 |
0.005 |
0.000 |
|
|
|
|
|
|
|
|
|
|
PROFIT
BEFORE TAX, DEPRECIATION AND AMORTISATION (C-D) (E) |
0.422 |
0.170 |
0.319 |
|
|
|
|
|
|
|
|
|
Less/ Add |
DEPRECIATION/
AMORTISATION (F) |
0.203 |
0.099 |
0.092 |
|
|
|
|
|
|
|
|
|
|
PROFIT BEFORE
TAX (E-F) (G) |
0.219 |
0.071 |
0.227 |
|
|
|
|
|
|
|
|
|
Less |
TAX (H) |
0.073 |
0.038 |
0.065 |
|
|
|
|
|
|
|
|
|
|
PROFIT AFTER TAX
(G-H) (I) |
0.146 |
0.033 |
0.162 |
|
|
|
|
|
|
|
|
|
Add |
PREVIOUS
YEARS’ BALANCE BROUGHT FORWARD |
0.419 |
0.386 |
0.224 |
|
|
|
|
|
|
|
|
|
|
BALANCE
CARRIED TO THE B/S |
0.565 |
0.419 |
0.386 |
|
|
|
|
|
|
|
|
|
|
Earnings Per
Share (Rs.) |
10.45 |
2.36 |
47.65 |
|
Expected Sales (2012-13): Rs. 20.000 Millions
The above information has been parted by Mr. Sunit Chandra
KEY RATIOS
|
PARTICULARS |
|
31.03.2012 |
31.03.2011 |
31.03.2010 |
|
PAT / Total Income |
(%) |
0.86
|
0.55 |
1.25 |
|
|
|
|
|
|
|
Net Profit Margin (PBT/Sales) |
(%) |
1.29
|
1.19 |
1.77 |
|
|
|
|
|
|
|
Return on Total Assets (PBT/Total Assets} |
(%) |
1.73
|
1.16 |
4.34 |
|
|
|
|
|
|
|
Return on Investment (ROI) (PBT/Networth) |
|
0.12
|
0.05 |
0.31 |
|
|
|
|
|
|
|
Debt Equity Ratio (Total Debt/Networth) |
|
0.41
|
0.00 |
0.27 |
|
|
|
|
|
|
|
Current Ratio (Current Asset/Current Liability) |
|
1.01
|
1.18 |
1.08 |
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 |
Yes |
|
15] |
Capital in the business |
Yes |
|
16] |
Details of sister concerns |
No |
|
17] |
Major suppliers |
Yes |
|
18] |
Major customers |
Yes |
|
19] |
Payments terms |
Yes |
|
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 |
No |
|
32] |
PAN of Proprietor/Partner/Director, if available |
No |
|
33] |
Voter ID No of Proprietor/Partner/Director, if available |
No |
|
34] |
External Agency Rating, if available |
No |
NOTE:
The registered office of the company has been shifted from 211, Ashoka Placeexhibition Road, Patna – 800001, Bihar, India to present address w.e.f. 23.03.2007
FINANCIAL
The Company has posted a Net Profit before taxes of Rs. 0.219 Millions only for the year ended 31st March, 2012 against a Net profit before tax of Rs. 0.071 Million only for the previous year.
The Company during the year is not in a position to declare any dividend due to its initial years of operation and considering future expansion plans.
The Company has not employed any person paying a salary of Rs.5.000 Million or more per month or Rs.6.000 Millions or more per annum.
BANKERS CHARGES
REPORT AS PER REGISTRY
|
Corporate
identity number of the company |
U31300BR2006PTC011994 |
|
Name of the
company |
MACRO COSMIC
ENGINEERS PRIVATE LIMITED |
|
Address of the registered
office or of the principal place of
business in |
H/O Mohammed Hashim, Kabar Lane, Exhibition Road, Patna – 800001,
Bihar, India |
|
This form is for |
Creation of charge |
|
Type of charge |
|
|
Particular of
charge holder |
Union Bank of India, Exhibition Road Branch, Exhibition Road, Patna - 800001, Bihar, India |
|
Nature of
instrument creating charge |
Composite
hypothecation dee |
|
Date of
instrument Creating the charge |
20.10.2011 |
|
Amount secured by
the charge |
Rs. 1.000 Million |
|
Brief of the principal
terms an conditions and extent and operation of the charge |
Rate of Interest Base rate plus
4.75% p.a. Terms of Repayment Installment of Rs
16666.00 plus interest for 60 months. Margin 25 % Extent and Operation of the charge First charge on
all tangible moveable machineries, plant, machinery, fixtures, fittings,
furniture, computer and other accesories, vehicles together with spares,
tools present and to be acquired in the future lying at the premises of the borrower at 6c, gardnibagh together with all stock of raw material,
work in progress, finished goods, such as steel sheets, chemcals, paints ,
tools both present and future and all the present and future book debts and
monies outstaning . |
|
Short particulars
of the property or asset(s) charged (including complete address and location
of the property) |
|
FIXED ASSETS
The Public Notice information has been
collected from various sources including but not limited to: The Courts,
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. 53.29 |
|
|
1 |
Rs. 84.22 |
|
Euro |
1 |
Rs. 72.23 |
INFORMATION DETAILS
|
Information
Gathered by : |
SVA |
|
|
|
|
Report
Prepared by : |
UDS |
SCORE & RATING EXPLANATIONS
|
SCORE FACTORS |
RANGE |
POINTS |
|
HISTORY |
1~10 |
3 |
|
PAID-UP CAPITAL |
1~10 |
2 |
|
OPERATING SCALE |
1~10 |
4 |
|
FINANCIAL CONDITION |
|
|
|
--BUSINESS SCALE |
1~10 |
4 |
|
--PROFITABILIRY |
1~10 |
3 |
|
--LIQUIDITY |
1~10 |
3 |
|
--LEVERAGE |
1~10 |
3 |
|
--RESERVES |
1~10 |
3 |
|
--CREDIT LINES |
1~10 |
3 |
|
--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 |
NO |
|
--LISTED |
YES/NO |
NO |
|
--OTHER MERIT FACTORS |
YES/NO |
YES |
|
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 |
- |
This report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL)
or its officials.