MIRA INFORM REPORT

 

 

 

Report Date :

21.02.2013

 

IDENTIFICATION DETAILS

 

Name :

DORF KETAL SPECIALITY CATALYST PRIVATE LIMITED

 

 

Registered Office :

1, Dorf Ketal Tower, D Monte Street, Orlem, Malad (West), Mumbai – 400064, Maharashtra

 

 

Country :

India

 

 

Financials (as on) :

31.03.2012

 

 

Date of Incorporation :

01.01.2010

 

 

Com. Reg. No.:

11-198273

 

 

Capital Investment / Paid-up Capital :

Rs.370.000 Millions

 

 

CIN No.:

[Company Identification No.]

U24233MH2010PTC198273

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

MUMD17731A

 

 

PAN No.:

[Permanent Account No.]

AADCD3088K

 

 

Legal Form :

Private Limited Liability Company

 

 

Line of Business :

Manufacturer of Specialty Chemicals.

 

 

No. of Employees :

Information declined by the management.

 

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba (50)

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

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

Satisfactory

 

Maximum Credit Limit :

USD 1900000

 

 

Status :

Satisfactory

 

 

Payment Behaviour :

Usually correct

 

 

Litigation :

Clear

 

 

Comments :

Subject is a 99.8 per cent subsidiary of Dorf Ketals Chemicals India Private Limited.

 

Subject is a well established company having a satisfactory track record. The company has performed well during the current year. Company has a strong managerial business and financial support from its parent company.

 

Financially seems to be strong. Trade relations are reported to be fair. Business is active.  Payments are reported to be usually correct and as per commitments.

 

The company can be considered for normal 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.

 

 

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 DENIED BY

 

Name :

Mr. Sudarshan

Designation :

Finance Executive 

Contact No.:

91-22-28833900

Date :

18.02.2013

 

 

LOCATIONS

 

Registered Office :

1, Dorf Ketal Tower, D Monte Street, Orlem, Malad (West), Mumbai – 400064, Maharashtra, India

Tel. No.:

91-22-28880420/ 21/ 22/ 23/ 28833901

Fax No.:

91-22-28813655

E-Mail :

vijaymalpani@dorfketal.co.in

ashokrao@dorfketal.co.in

vaspuja21@yahoo.in

nareshaggarwal@dorfketal.co.in

Website :

www.dorfketal.co.in

Area :

107500 sq ft

Location :

Owned

 

 

DIRECTORS

 

As on: 29.09.2012

 

Name :

Mr. Sudhir Vijayaraghav Menon

Designation :

Director

Address :

5/501, Swapna Lok, Marve Road, Malad (West), Mumbai – 400064, Maharashtra, India 

Date of Birth/Age :

27.06.1963

Qualification :

Chemical Engineer, LLB, MBA

Date of appointment :

01.01.2010

PAN No.:

AAJPM4604R

DIN No.:

02487658

 

 

Name :

Mr. Subodh Vijayaraghava Menon

Designation :

Director

Address :

401, Swapna Lok, Marve Road, Malad (West), Mumbai – 400064, Maharashtra, India  

Date of Birth/Age :

08.08.1971

Qualification :

B.Sc.

Date of Appointment

01.01.2010

PAN No.:

AAAPM6916D

DIN No.:

00972842

 

 

Name :

Mr. Naresh Prakashchand Aggarwal

Designation :

Director

Address :

Plot No.20, Rajkamal Apartment, Chruch Road, Marol, Andheri (East), Mumbai – 400 059, Maharashtra, India

Date of Birth/Age :

28.03.1951

Date of Appointment :

12.08.2010

DIN No.:

00940482

 

 

KEY EXECUTIVES

 

Name :

Mr. Sudarshan

Designation :

Finance Executive 

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

As on: 29.09.2012

 

Names of Shareholders

 

No. of Shares

Sudhir V Menon

 

2500

Subodh V Menon

 

2500

Dorf Ketal Chemicals Private Limited, India 

 

36995000

 

 

 

Total

 

37000000

 

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 Specialty Chemicals.

 

 

GENERAL INFORMATION

 

No. of Employees :

Information declined by the management.

 

 

Bankers :

·         Axis Bank Limited, Laxmi The Mall, Building No 5, Laxmi Industrial Estate, New Link Road,  Andheri (West), Mumbai - 400053, Maharashtra, India 

·         Axis Bank Limited, Corporate Banking Branch,  Axis House, Ground Floor, Pandurang Budhkar Marg, Worli,  Mumbai - 400025, Maharashtra, India

 

 

Facilities :

(Rs. In Millions)

Secured Loan

As on

31.03.2012

As on

31.03.2011

Rupee term loans from banks

424.583

365.596

Foreign currency term loans from banks

175.863

93.101

Foreign currency term loans from others

433.859

0.000

Working capital loans from banks

(3.472)

0.000

 

 

 

Total

1030.833

458.697

 

Notes:

 

1.       ECB from Axis Bank • The above ECB Loan from Axis Bank aggregating Rs. 516.671 Millions (2011: Rs. 406.260 Millions) is secured by a charge on project land and building and all future fixed assets and current assets proposed to be acquired and is repayable in 16 quarterly installments starting October 2011. The Loan is guaranteed by the Directors, Sudhir Menon and Subodh Menon, by Dorf Ketal Chemicals India Private Limited and by Dorf Ketal Speciality Catalysts LLC, USA.

 

2.       An amount of Rs. 162.433 Millions (2011: Rs. 71.698 Millions) of Foreign Currency Loan which is repayable within 12 months has been grouped under Other Current Liablities. • The above Foreign Currency Term Loan from State Bank of India aggregating Rs. 246.207 Millions (2011: Rs. 124.135 Millions) is secured by a charge on land and building and all fixed assets proposed to be acquired and is repayable in 16 quarterly installments starting December 2011. The Loan is guaranteed by the Directors, Sudhir Menon and Subodh Menon, and by Dorf Ketal Chemicals India Private Limited.

 

3.       Foreign Currency Loans - Packing Credit Rs.300.805 Millions Foreign Currency Loans - Buyers Credit Rs.133.054 Millions.

 

4.       The above Loans are secured by a charge on current assets of the company both present and future. The Loans are guaranteed by the Directors, Sudhir Menon and Subodh Menon, and by Dorf Ketal Chemicals India Private Limited.

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

S.S. Gajja and Company

Chartered Accountants

Address :

402 Maker, Bhavan No 3 21, New Marine Lines, Mumbai – 400020, Maharashtra, India

E-Mail :

ssgajjaco@gmail.com  

PAN No.:

AAAFS4063K

 

 

Fellow Subsidiary Company :

Dorf Ketal Speciality Catalyst, LLC

 

 

 

Holding Company :

Dorf-Ketal Chemicals India Private Limited

CIN No.: U24100MH1992PTC066726

 

 

CAPITAL STRUCTURE

 

As on: 31.03.2012

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

40000000

Equity Shares

Rs.10/- each

Rs.400.000 Millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

37000000

Equity Shares

Rs.10/- each

Rs.370.000 Millions

 

 

 

 

 

 


 

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

370.000

26.000

26.000

2] Share Application Money

0.000

297.611

0.108

3] Reserves & Surplus

128.395

0.000

0.000

4] (Accumulated Losses)

0.000

(0.350)

0.000

NETWORTH

498.395

323.261

26.108

LOAN FUNDS

 

 

 

1] Secured Loans

1030.833

458.697

0.000

2] Unsecured Loans

0.000

0.000

0.000

TOTAL BORROWING

1030.833

458.697

0.000

DEFERRED TAX LIABILITIES

0.000

0.000

0.000

 

 

 

 

TOTAL

1529.228

781.958

26.108

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

891.955

4.820

0.000

Capital work-in-progress

53.875

702.477

0.000

 

 

 

 

INVESTMENT

61.153

24.249

0.000

DEFERREX TAX ASSETS

0.000

0.000

0.000

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

173.075

62.081

0.000

 

Sundry Debtors

497.961

32.482

0.809

 

Cash & Bank Balances

81.057

21.087

0.000

 

Other Current Assets

0.000

0.000

0.000

 

Other Non Current Assets

2.349

0.323

0.000

 

Loans & Advances

24.667

15.019

25.041

Total Current Assets

779.109

130.992

25.850

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Sundry Creditors

46.580

0.000

0.000

 

Other Current Liabilities

195.572

74.101

0.067

 

Provisions

14.712

6.479

0.028

Total Current Liabilities

256.864

80.580

0.095

Net Current Assets

522.245

50.412

25.755

 

 

 

 

MISCELLANEOUS EXPENSES

0.000

0.000

0.353

 

 

 

 

TOTAL

1529.228

781.958

26.108

 

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

 

 

31.03.2012

 

Profit

 

 

128.746

 

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

 

31.03.2011

31.03.2010

 

SALES

 

 

 

 

 

Income

 

0.000

0.000

 

 

Other Income

 

0.096

0.000

 

 

TOTAL                                    

 

0.096

0.000

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Purchase

 

0.000

0.000

 

 

Direct Expenses

 

0.000

0.000

 

 

Other Expenses

 

0.306

0.000

 

 

TOTAL                                    

 

0.306

0.000

 

 

 

 

 

Less

PROFIT/ (LOSS) BEFORE INTEREST, TAX, DEPRECIATION AND AMORTISATION 

 

(0.210)

0.000

 

 

 

 

 

Less

FINANCIAL EXPENSES            

 

0.000

0.000

 

 

 

 

 

 

PROFIT/ (LOSS) BEFORE TAX, DEPRECIATION AND AMORTISATION                          

 

(0.210)

0.000

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION        

 

0.110

0.000

 

 

 

 

 

 

PROFIT/ (LOSS) BEFORE TAX             

 

(0.320)

0.000

 

 

 

 

 

Less

TAX                                                                 

 

0.000

0.000

 

 

 

 

 

 

PROFIT/ (LOSS) AFTER TAX               

 

(0.320)

0.000

 

 

 

 

 

 

BALANCE CARRIED TO THE B/S

 

(0.320)

0.000

 

 

 

 

 

 

Earnings/ (Loss) Per Share (Rs.)

 

(0.12)

NA

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2012

31.03.2011

31.03.2010

PAT / Total Income

(%)

NA

(333.33)

0.00

 

 

 

 

 

Net Profit Margin

(PBT/Sales)

(%)

NA

0.00

0.00

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

NA

(0.24)

0.00

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

NA

(0.10)

0.00

 

 

 

 

 

Debt Equity Ratio

(Total Debt/Networth)

 

2.07

1.42

0.00

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

3.03

1.63

272.11

 

 

LOCAL AGENCY FURTHER INFORMATION

 

SUNDRY CREDITORS DETAILS:

(Rs. In Millions)

Particulars

31.03.2012

31.03.2011

 

31.03.2010

Sundry Creditors

46.580

0.000

0.000

 

 

 

 

Total

46.580

0.000

0.000

 

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

No

9]

Name of person contacted

Yes

10]

Designation of contact person

Yes

11]

Turnover of firm for last two year

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

No

33]

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

No

34]

External Agency Rating, if available

No

 

 

REVIEW OF OPERATIONS

 

During the year, the Company has made a profit of Rs. 128.746 Millions

 

 

CONTINGENT LIABILITIES NOT PROVIDED FOR:

(Rs. In Millions)

Particular

31.03.2012

31.03.2011

In respect of Bank Guarantees

24.000

0.000

In respect of Letter of Credit

7.719

0.000

In respect of Corporate Guarantee issued in favor of State bank of India New York for Term Loan extended to its Ultimate Subsidiary Dorf Ketal Speciality Catalyst LLC.

990.000

990.000

 

 

FIXED ASSETS:

 

Tangible Assets

·         Land

·         Buildings

·         Plant and Equipment

·         Furniture and Fixtures

·         Vehicles

·         Office Equipment

 

Intangible assets

·         Computer Software

·         Copyrights

·         Patents

 

 

AS PER WEBSITE DETAILS:

 

Press Release

 

GUJARAT HIGH COURT ORDERS SUSPENSION OF OPERATIONS OF COMPANIES IN APSEZ

February 14, 2013, 09.27PM IST

 

AHMEDABAD: Twelve companies operating in the Adani Port and Special Economic Zone at Mundra in Kutch will have to suspend their operations, following an order by Gujarat High Court, as environmental clearance for the project is not granted.

These companies include Ahistrom Fiber Composites (India) Private Limited, Aadi Oil Private Limited, Empezar Logistics Private Limited, Avesta Engineering Private Limited, Ashapura Garments Limited, Terram Geosynthetics Private Limited, Theramax Limited, Skaps Industries, Oilfield Warehouse and Services, Dorf Ketal Speciality Catalyst Private Limited, Anjani Udyog Private Limited and Oriental Carbon Chemicals Limited.

 

The court has also asked all the respondants to reply within 15 days.

 

The High Court had in May last year, ordered stopping of all development activities in the upcoming SEZ till the Union Ministry of Environment and Forest (MoEF) gives it an environment clearance.

 

The move is a result of a Public Interest Litigation ( PIL) filed last year by villagers of Navinal village in Mundra, who alleged that these companies had also imported and exported goods even as the environment clearance is awaited.

 

 

DORF KETAL ACQUIRES SPECIALTY CATALYSTS BUSINESS FROM DUPONT CHEMICALS AND FLUOROPRODUCTS

 

MUMBAI, India, Jan. 28 /PRNewswire/ -- Dorf Ketal Chemicals (India) Private Limited, a leading specialty chemicals company headquartered in Mumbai, India, with facilities in Stafford, Texas, has acquired the Specialty Catalysts Business of DuPont Chemicals and Fluoroproducts through a new LLC company in the USA with immediate effect. This acquisition includes Tyzor® titanates and zirconates and Avitex® hydrocarbon surfactants and antistatic agents used in a broad range of specialty markets and applications. Terms of the agreement are confidential and not being disclosed.

 

Dorf Ketal earlier completed the acquisition of Intec Polymers in May 2009, and with this current acquisition from DuPont Chemicals and Fluoroproducts will become global leaders in this market segment. These products find applications across several industries spanning across Oil and Gas, Paints and Coatings, Printing Inks, Industrial Sealants, Corrosion Protection and Emission Reduction. This acquisition allows Dorf Ketal to integrate the Specialty Catalyst business into the Company's existing portfolio of products they currently sell into similar uses.

 

As a part of the deal, Dorf Ketal acquires assets associated with the Specialty Catalysts Business including sales, marketing and customer service.

 

To assist with an orderly customer transition, a business transition team has been formed. DuPont will continue to manufacture and supply Specialty Catalyst products to Dorf Ketal for approximately one year under service and supply agreements. During this time, Dorf Ketal will source and supply products made by DuPont Chemicals and Fluoroproducts while building a new plant. DuPont also is assisting Dorf Ketal with the technology transfer and start-up of new facilities.

 

The transition will be implemented in stages while ensuring business continuity for all customers. This transaction underscores Dorf Ketal's commitment to grow and deliver world-class products, services and enhanced value to customers on a consistent basis. The integration will be seamless, providing customers the ability to leverage Dorf Ketal's world-class products, service and technology.

 

Dorf Ketal is one of the most rapidly growing global specialty chemical companies in recent times. In less than two decades, Dorf Ketal has emerged as a leading supplier of specialty chemicals for downstream hydrocarbon and relevant ancillary industries. Dorf Ketal has a strong focus on research and development helping achieve manufacturing excellence. In recent years, Dorf Ketal has successfully acquired and integrated four businesses including UOP's Refining Chemicals and Plastics Additives business in 2001 and 2003 respectively, ExxonMobil's component lubricant additive business in 2007 and Intec Polymers' Organometallic  Titanates in 2009 into their product offerings.

 

Commenting on the acquisition, Mr. Subodh Menon, Founder/Director- Business and Operations, Dorf Ketal said, "The acquisition will consolidate our position as a global leader in the business of specialty catalysts. We are embarking on an ambitious project and a world class manufacturing facility to cater to these newer product lines is being planned at a new plant site in India. Dorf Ketal is focused on growth and the group aims to achieve a turnover exceeding $500 million in the next few years, "commented Mr. Menon.

 

Ernst and Young Private Limited was the M and A advisor to Dorf Ketal on the transaction while SBI Caps acted as the financial advisors.

 

About Dorf Ketal:

 

Dorf Ketal, headquartered in Mumbai, is a global player in process chemicals, and additives for refineries, petrochemicals, fuels, plastics, lubricants and oilfield industries. Dorf Ketal has subsidiaries in the USA, Brazil, the Netherlands and Representative offices in China and Bahrain. In a relatively brief span of less than 15 years, Dorf Ketal has emerged as the largest Indian additives manufacturer of process chemicals and additives in the niche product segment of hydrocarbons used in refineries, petrochemical plants, plastics additives and lube additives. Within the large industry of specialty chemicals, the customized solutions and specialized services that the company offers have helped it secure a unique position in serving the specialized refinery and petrochemical segment. The company operates a global distribution network with supply points in all major regions. Dorf Ketal's State-of-the-Art Manufacturing Plant and Technology Center are located about 60 kilometers away from Mumbai. The company is certified to ISO-9001, ISO-14001 and ISO-18001 Standards by Det Norske Veritas (DNV). Dorf Ketal Chemicals has been a recipient of several awards for significant accomplishments in their business.


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]         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.54.05

UK Pound

1

Rs.83.45

Euro

1

Rs.72.54

 

 

INFORMATION DETAILS

 

Information Gathered by :

JML

 

 

Report Prepared by :

VRN

 


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

6

PAID-UP CAPITAL

1~10

5

OPERATING SCALE

1~10

6

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

6

--PROFITABILIRY

1~10

6

--LIQUIDITY

1~10

5

--LEVERAGE

1~10

5

--RESERVES

1~10

6

--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

NO

--AFFILIATION

YES/NO

YES

--LISTED

YES/NO

NO

--OTHER MERIT FACTORS

YES/NO

YES

TOTAL

 

50

 

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.