MIRA INFORM REPORT

 

 

 

Report Date :

11.02.2012

 

IDENTIFICATION DETAILS

 

Name :

MEDSOURCE OZONE BIOMEDICALS PRIVATE LIMITED

 

 

Formerly known as:

OZONE BIOMEDICALS PRIVATE LIMITED

 

 

Registered Office :

238 LGF, Sant Nagar, East of Kailash, New Delhi - 110 065

 

 

Country :

India

 

 

Financials (as on) :

31.03.2008

 

 

Date of Incorporation :

07.05.2003

 

 

Com. Reg. No.:

55-120213

 

 

CIN No.:

[Company Identification No.]

U24239DL2003PTC120213

 

 

Legal Form :

Private Limited Liability Company

 

 

Line of Business :

Importer and Buyer of Medical Equipments.

 

RATING & COMMENTS

 

MIRA’s Rating :

B (26)

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

 

 

 

 

Maximum Credit Limit :

USD 69000

 

 

Status :

Moderate

 

 

Payment Behaviour :

Slow

 

 

Litigation :

Clear

 

 

Comments :

Subject is an established comp any having moderate track. There appears to be some accumulated losses recorded by the company. However trader relations are reported as fair. Business is active. Payments are reported to be slow.

 

Company can be considered for business dealings with some caution.

 

NOTES :

Any query related to this report can be made on e-mail : infodept@mirainform.com while quoting report number, name and date.

 

ECGC Country Risk Classification List – June 30, 2012

 

Country Name

Previous Rating

(31.03.2012)

Current Rating

(30.06.2012)

India

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

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

 

 

LOCATIONS

 

Registered Office :

238 LGF, Sant Nagar, East of Kailash, New Delhi - 110 065, India

Tel. No.:

91-11- 4162 4387/ 2643 3880

Fax No.:

91-11- 4162 4083

E-Mail :

msrinivas@ozonebio.com

skm@ozonebio.com

diveshgupta@eth.net

csgupta1997@gmail.com

Website :

http://www.ozonebio.com

 

 

Head Office :

Escorts Corporate Centre – 15/5, Main Mathura Road, Faridabad-121003, Haryana, India

Tel. No.:

91-129-5049338/ 339/ 341/ 343/ 344

Fax No.:

91-129-5049341/ 5049340

 

 

Corporate Office :

Plot No. 7, Site No. 2, 14/3 Main Mathura Road, Faridabad 121 003, Haryana

Tel. No.:

91-129- 4113606 – 10/ 4286633

Fax No.:

91-129 4049344

E-Mail :

mail@ozonebio.com

 

 

Regional Office:

Kolkata

V-23/22, Vivekananda Park, PO Garia, Kolkata- 700 084, West Bengal

Phone: 91-33-2410 4626

 

Hyderabad

H. No. 1-6-311 &  320, Sai Ranga Apartments, Flat No. 104, 1st Floor, Kandozi Bazaar, Park Lane, Secunderabad 500 003, Andhra Pradesh

Phone: 91-40 5544 9914

 

 

DIRECTORS

 

Name :

Mr. Krishna Kumar Das

Designation :

Director

Address:

V-23/22, Vivekanand Park, Garia, Kolkata-700084, West Bengal, India

Date of Birth/ Age:

28.12.1944

Date of Appointment :

02.04.2007

 

 

Name :

Mr. Malladi Srinivas

Designation :

Director

Address :

238, LGF, Sant Nagar, East of Kailash, New Delhi – 110065, Delhi, India

Date of Birth/Age :

28.11.1970

Date of Appointment :

10.05.2003

 

 

Name :

Mr. Prateek Kumar Mittal

Designation :

Director

Date of Birth/Age :

15.02.1981

Date of Appointment :

02.04.2007

 

 

Name :

Dr. Shailesh Kumar  Mittal

Designation :

Director

Address :

245, Kailash Hills, East of Kailash, New Delhi – 110065, India

Date of Birth/Age :

17.02.1956

Date of Appointment :

27.09.2004

 

 

Name :

Mr. Nikhil Nanda

Designation :

Director

Address :

12, Jorbagh,  Lodhi Road,New Delhi – 110003, India

Date of Birth/Age :

18.03.1974

Date of Appointment :

04.03.2004

 

 

Name :

Mr. Rajeev Kumar Dass

Designation :

Director

Address :

R-668, New Rajinder Nagar, New Delhi  - 110060, India

Date of Birth/Age :

14.11.1955

Date of Appointment :

04.03.2004

 

 

Name :

Dr. Kapil Garg

Designation :

Director

Address :

1933, Sector – 28, Faridabad

Date of Birth/Age :

27.08.1970

Date of Appointment :

27.09.2004

 

 

KEY EXECUTIVES

 

Name :

Mr. Subhash Chand Gupta

Designation :

Company Secretary

Address :

SIS 126, Sector – 3, Faridabad – 121004

Mobile No. :

91-9811833270

E-Mail :

csgupta1997@gmail.com

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

As on 30.09.2008

 

Names of Shareholders

 

No. of Shares

Parvesh Rani

 

                                9000

Suresh Rai

 

1000

Shailash K Mittal

 

251000

Sanjeev K Gupta

 

9000

Prateek K Mittal

 

20000

Monika Rai Mittal

 

20000

Mahabir Parshad Mittal

 

1000

Raj Kumar Gupta

 

1000

Shweta Rai and Sureeti Rai

 

10

Mohak Rai and Parvesh Rai

 

10

C Anil Kumar

 

2980

Embee Diagnostics Private Limited

 

500000

Nikhal Nanda

 

675000

Manan Mittal

 

10000

Total

 

1500000

 

Equity Share Breakup (Percentage of Total Equity)

As on 30.09.2008

 

Category

 

Percentage

Bodies corporate

 

33.00

Directors or relatives of directors

 

20.00

Other top fifty share holders (other than listed above)

 

47.00

Total

 

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Importer and Buyer of Medical Equipments.

 

 

Products :

Product Description

ITC Code

Elisa Reader

90278090

Rapid Test Diagnostic Reagents

38220090

Rayto Semi Autoanalyzer

90189099

 

 

GENERAL INFORMATION

 

No. of Employees :

100

 

 

Bankers :

v      Punjab National Bank LCB, A-9, Connaught Place, New Delhi – 110001, India

v      Vijaya Bankm 31-C, DDA, Shopping Complex, Defence Colony, New Delhi-110024, India

 

 

Facilities :

Secured Loans

31.03.2008

Rs. In Millions

Term Loan – Vehicle

4.675

Overdraft

18.127

Total

22.802

 

 

 

Banking Relations :

Satisfactory

 

 

Auditors :

 

Name :

Svans and Associates

Chartered Accountant

Address :

294, Sector -28, Faridabad-121006, Haryana, India

Tel No.:

91-129-4041950

Mobile No.:

91-9810294037

E mail:

ssgulati@hotmail.com

gulati.ss@gmail.com 

 

 

CAPITAL STRUCTURE

 

As on 31.03.2008

 

Authorised Capital :

No. of Shares

Type

Value

Amount

1900000

Equity Shares

Rs. 10/- each

Rs. 19.000 millions

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

1500000

Equity Shares

Rs. 10/- each

Rs.15.000 millions

 

 


 

FINANCIAL DATA

[all figures are in Rupees Millions]

  

ABRIDGED BALANCE SHEET

 

SOURCES OF FUNDS

 

31.03.2008

31.03.2007

31.03.2006

SHAREHOLDERS FUNDS

 

 

 

1] Share Capital

15.000

15.000

15.000

2] Share Application Money

0.000

0.000

0.000

3] Reserves & Surplus

0.000

0.000

         0.000

4] (Accumulated Losses)

(1.093)

(1.174)

(3.346)

NETWORTH

13.907

13.826

11.654

LOAN FUNDS

 

 

 

1] Secured Loans

22.802

8.180

13.027

2] Unsecured Loans

39.571

29.919

30.980

TOTAL BORROWING

62.373

38.099

44.007

DEFERRED TAX LIABILITIES

0.000

0.000

0.000

 

 

 

 

TOTAL

76.280

51.925

55.661

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

23.143

19.614

14.724

DEFERREX TAX ASSETS

0.488

0.464

1.341

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

29.896
24.768

16.905

 

Sundry Debtors

116.298
127.281

84.954

 

Cash & Bank Balances

4.518
4.799

2.382

 

Other Current Assets

0.000
0.000

0.000

 

Loans & Advances

25.171
20.336

10.404

Total Current Assets

175.883
177.184

114.645

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Current Liabilities

121.948
143.104

73.212

 

Provisions

1.286
2.236

1.843

Total Current Liabilities

123.234
145.340

75.055

Net Current Assets

52.649
31.844

39.590

 

 

 

 

MISCELLANEOUS EXPENSES

0.000

0.003

0.006

 

 

 

 

TOTAL

76.280

51.925

55.661

 

 


PROFIT & LOSS ACCOUNT

 

PARTICULARS

 

31.03.2008

31.03.2007

31.03.2006

Sales Turnover

314.251

337.758

196.497

Other Income

2.817

1.921

2.177

Total Income

317.068

339.679

198.674

 

 

 

 

Profit/(Loss) Before Tax

1.365

5.285

            (4.174)

Provision for Taxation

1.284

3.113

0.018

Profit/(Loss) After Tax

0.081

2.172

(4.192)

 

 

 

 

Earnings in Foreign Currency :

 

 

 

 

Export Earnings

2.895

3.347

1.684

 

 

 

 

Import value:

116.850

139.504

88.403

 

 

 

 

Expenditures :

 

 

 

 

Interest Cost

5.381

4.067

5.698

 

Depreciation & Amortization

4.553

3.629

2.530

 

Other Expenditure

305.769

326.698

194.620

Total Expenditure

315.703

334.394

202.848

 

 

 

 

Earnings Per Share (Rs.)

0.05

--

--

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2008

31.03.2007

31.03.2006

PAT / Total Income

(%)

0.03
              0.64

(2.11)

 

 

 
 

 

Net Profit Margin

(PBT/Sales)

(%)

0.43
              1.56

(2.12)

 

 

 
 

 

Return on Total Assets

(PBT/Total Assets}

(%)

0.69
               2.69

(3.23)

 

 

 
 

 

Return on Investment (ROI)

(PBT/Networth)

 

0.10
               0.38

(0.36)

 

 

 
 

 

Debt Equity Ratio

(Total Liability/Networth)

 

13.35
             13.27

10.22

 

 

 
 

 

Current Ratio

(Current Asset/Current Liability)

 

1.43
               1.22

1.53

 

 

LOCAL AGENCY FURTHER INFORMATION

 

Trade References:

v      Bioland-Korea

v      Humasis

v      IND Candan Human- Germany

 

Bankers Charges Report as per Registry

 

 

Name of the company

Medsource Ozone Biomedicals Private Limited

 

Presented By

Mr. Rajeev Kumar Dass, Director

 

1) Date and description of instrument creating the change

Hypothecation of goods and book debts to secure cash credit facility.

 

Hypothecation of moveable assets forming part of fixed assets, both dated 29.03.2005

Copy of Sanction Letter.

 

Registered with registrar of companies on 18.05.2005

 

2) Amount secured by the charge/amount owing on the securities of charge

Rs. 12.500 Millions

 

3) Short particular of the property charged. If the property acquired is subject to charge, date of the acquired of the property should be given

Hypothecation of all the present and future entire goods / assets, current assets, stocks of raw materials stores and spares, finished goods consumables which belong to them and which now or hereinafter from time to time during the continuance of this agreement shall be brought in stored or be in or about their premises or unit at 238, Sant Nagar, East of Kailash, New Delhi - 110 065 or Godown / depots at various places or any other godowns / depots or be in course or transit from one Godown to another or wherever else the same may be.

 

Hypothecation of all the present and future book debts, outstanding decrees, money receivables, claims securities, government subsidies, investments, rights and other moveable assets.

 

Hypothecation by way of first charge on all the moveable assets of the company, both present and future part of fixed / blocks assets.

 

4) Gist of the terms and conditions and extent and operation of the charge.

Margin: 25 % on stock and book debts.

 

Interest at the rate of BPLR i.e. presently 10.75 % p.a. with monthly rests

 

The interest payable by the borrower and the periodicity of rests shall be subject to charges in the interest rate and the periodicity of rests made by the bank / RBI from time to time.

 

The interest payable by the borrower and the periodicity of rests shall be subject to changes in the rate and the periodicity of rests made by the Bank / RBI from time to time. 

 

5) Name and Address and description of the person entitled to the charge.

Punjab National Bank

LCB, A-9, Connaught Place, New Delhi – 110001, India

 

6) Date  and brief description of instrument modifying the charge

Deed of Hypothecation of goods and book debts to secure Cash Credit facility.

Deed of Hypothecation of moveable assets forming part of fixed assets.

Both dated 24.05.2005

 

7) Particulars of modifications specifying the terms and conditions or the extent of operations of the charge in which modification is made and the details of the modification.

Additional Cash Credit limit of Rs. 3.100 Millions to the existing cash credit limit of Rs. 12.500 Millions aggregating to Rs. 15.600 Millions against the security by way of hypothecation of stocks and book debts.

 

Hypothecation of all present and future stocks of raw materials, work in process, finished goods, consumables, stores and spares which belongs to them and which now or hereinafter from time to time during the continuance of this agreement shall be brought in stored or be in or about their premises or unit at 238, Sant Nagar, East of Kailash, New Delhi - 110 065 or goods / assets represented by documents drawn / covered under the letter of credit issued under the said limit

 

Hypothecation of present and future entire goods / assets, current assets, Raw materials, stores and spares, finished goods, semi finished goods, bills receivables etc.

 

Book debts

 

Hypothecation of moveable assets of the company by way of first charge, both present and future forming part of fixed / block assets.

Margin: 25 % on stock and book debts.

 

Interest at the rate of BPLR i.e. presently 10.75 % p.a. with monthly rests

 

The interest payable by the borrower and the periodicity of rests shall be subject to charges in the interest rate and the periodicity of rests made by the bank / RBI from time to time.

 

The interest payable by the borrower and the periodicity of rests shall be subject to changes in the rate and the periodicity of rests made by the Bank / RBI from time to time.   

 

Date of instrument modifying the charge

05.11.2007

 

 

 

 

 

 

This form is for

Modification of charge

Charge identification number of the modified 

10076549

Corporate identity number of the company

U24239DL2003PTC120213

Name of the company

MEDSOURCE OZONE BIOMEDICALS PRIVATE LIMITED

Address of the registered office or of the principal place of  business in India of the company

238 LGF, Sant Nagar, East of Kailash, New Delhi - 110 065, India

Type of charge

Book Debts

Movable Property

Other

Particular of charge holder

Vijaya Bankm 31-C, DDA, Shopping Complex, Defence Colony, New Delhi-110024, India

Nature of description of the instrument creating or modifying the charge

  • Agreement to extend charge on movable property
  • Supplementary Agreement
  • Board Resoultion
  • Sanction Letter
  • Letter

Date of instrument Creating the charge

29.04.2009

Amount secured by the charge

Rs. 10.000 Millions

Brief particulars of the principal terms an conditions and extent and operation of the charge

Rate of Interest

Charges and commission for issuing LC shall be as per head office guidelines.

 

Terms of Repayment

The facility is for a period of one year subject to review on or before 12.03.2010

 

Margin

25% Cash Margin

 

Extent and Operation of the charge

First Charge to secure FLC/ILC limit of Rs. 10.000 Millions

Short particulars of the property charged

Charge secured by Hypothecation of:

 

1)       Entire stock Imported Diagnostic instruments, raw material, stock in process, finished products of reagents, packing material etc.

2)       Entire Book Debts arising out of genuine trade transaction due from reputed companies, both present and future

3)       Plant and Machinery and other fixed Assets of the company, both present and future

4)       Document of title of goods drawn under FLC/ ILC

Particulars of the present modification 

The charge is modified to secure ILC/ FLC limit of Rs. 10.000 Millions charges and commission for issuing LC shall be as per head office guideline Security shall be entire stock of the company, entire book debts and receivables, plant and machinery and other fixed assets of the company, both present and future and documents of title to goods. Other terms and conditions remained same.

 

 

Corporate identity number of the company

U24239DL2003PTC120213

Name of the company

MEDSOURCE OZONE BIOMEDICALS PRIVATE LIMITED

Address of the registered office or of the principal place of  business in India of the company

238 LGF Sant Nagareast of Kailash, new delhi-110065,India

This form is for

Creation of charge

Type of charge

  • Any interest in immovable property
  • Book debts
  • Movable Property
  • Others

Particular of charge holder

Vijaya Bank

31-C,DDA Shopping Centre, New Delhi-110024, India

susheelgupta@hotmail.com

Nature of instrument creating charge

Hypothecation Agreement dated 05.11.2007

Agreement for Hypothecation of Supply Bills and Book Debts dated 05.11.2007

Agreement for Demand Cash Credit against Hypothecation of Stocks and Book Debts dated 05.11.2007

Date of instrument Creating the charge

05.11.2007

Amount secured by the charge

Rs. 20 millions

Brief of the principal terms an conditions and extent and operation of the charge

a)       a)       Rate of interest:

CCH-13% floating, additional interest @ 2% in case of default

b)       b)       Terms of repayment:

The facility is for a period of one year

c)       c)       Margin:

25% on paid stock and 40% on book debts

d)       d)       Extent and operation of the charge:

100% first charge

e)       e)       Others

The charge is created to secure CCH limit of Rs.20 millions

 

 

Short particulars of the property charged

Entire Stock such as Diagnostic instruments, stock in process, finished goods of reagents, stock in process, packing material stored/to be stored at Plot no.7, Site No.2, 14/3 Milestone, Delhi,Mathura Road,Faridabad-121003, Present and future book debts and entire fixed assets of the company.

 

Fixed Assets:

 

·         Plant and Machinery

·         Air Conditioner

·         Packing Machine

·         Cold Storage and Generator

·         Music System Projector

·         Fax Machine

·         Refrigerator

·         Telephone Instrument

 

AS PER WEBSITE

 

PARTNERS:

 

Human

 

HUMAN was founded more than 35 years ago with the objective of developing and manufacturing high-quality diagnostic products for clinical laboratories to be distributed worldwide at very competitive prices. HUMAN is today one of the few global manufacturers of diagnostic products capable of supplying a broad range of medical laboratory equipment, clinical analyzers and test kits to more than 160 countries.

 

Rayto

 

Rayto is founded in 2001. They are professional in developing, manufacturing, marketing and servicing of clinical laboratory instruments for use in research, health care and laboratories. Rayto's main products include chemistry analyzer, microplate reader, microplate washer, and coagulation analyzer. Thousands of laboratories all over the world are using Rayto's products. The customers are not only from medical laboratories, doctors' offices but also from research and industry center

 

URIT Medical Electronic Company Limited

 

URIT Medical Electronic Group Company, Limited, which owns more than 20 years' manufacturing experience and comprehensive RandD capacity, has become a leading manufacturer and supplier of clinical diagnostics products in China

 

InTec PRODUCTS, INC.

 

InTec PRODUCTS, INC., solely owned by the US ITH Group, was established in 1989. InTec PRODUCTS, INC. is a biotech company that specializing in research and development, manufacturing and distribution of the medical diagnostic products. Thanks to the supports from the valued customers worldwide

 

Bioland

 

Focusing on developing and improving ingredients for cosmetic, medical and subsidiary food products, new chemical source from nature

 

 

 


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 records 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. 53.57

UK Pound

1

Rs. 84.25

Euro

1

Rs. 71.79

 

 

INFORMATION DETAILS

 

Report Prepared by :

UDS

 


 


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

4

PAID-UP CAPITAL

1~10

4

OPERATING SCALE

1~10

4

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

3

--PROFITABILIRY

1~10

2

--LIQUIDITY

1~10

3

--LEVERAGE

1~10

3

--RESERVES

1~10

--

--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

 

26

 

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

NR

In view of the lack of information, we have no basis upon which to recommend credit dealings

No Rating

 

 

 

 

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.