MIRA INFORM REPORT

 

 

Report Date :

25.02.2013

 

IDENTIFICATION DETAILS

 

Name :

AMR INDIA LIMITED (w.e.f. July, 2012)

 

 

Formerly Known As :

AMR CONSTRUCTIONS LIMITED

 

 

Registered Office :

Plot No.:88, Sari Konda Mansion, Phase III, Kamalapuri Colony, Hyderabad – 500073, Andhra Pradesh

 

 

Country :

India

 

 

Financials (as on) :

31.03.2011

 

 

Date of Incorporation :

25.04.2001

 

 

Com. Reg. No.:

01-036617

 

 

Capital Investment / Paid-up Capital :

Rs.163.986 Millions

 

 

CIN No.:

[Company Identification No.]

U45201AP2001PLC036617

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

HYDA01984D

 

 

PAN No.:

[Permanent Account No.]

AADCA3750D

 

 

Legal Form :

A Closely Held Public Limited Liability Company

 

 

Line of Business :

The Company is primarily engaged in the business of Erection and Construction of Roads, Building, Infrastructure, Irrigation, Electrical and Mining Projects

 

 

No. of Employees :

Not Available

 

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba (45)

 

RATING

STATUS

PROPOSED CREDIT LINE

 

41-55

Ba

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

Satisfactory

 

 

Maximum Credit Limit :

USD 20000000

 

 

Status :

Satisfactory

 

 

Payment Behaviour :

Usually Correct

 

 

Litigation :

Clear

 

 

Comments :

Subject is an established company having a satisfactory track record. The latest financials are not made available with the government department.

 

As per previous year’s record’s, the financial position of the company is strong. Performance capability is good.

 

Trade relations are reported to be fair. Business is active. Payments are reported to be usually correct and as per commitment.

 

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.

 

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

 

 

EXTERNAL AGENCY RATING

 

Rating Agency Name

CARE

Rating

BBB- (Long Term Bank Facilities)

Rating Explanation

Having moderate degree of safety regarding timely servicing of financial obligation it carry moderate credit risk.

Date

March, 2012

 

 

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.:88, Sari Konda Mansion, Phase III, Kamalapuri Colony, Hyderabad – 500073, Andhra Pradesh, India

Tel. No.:

91-40-23548862/ 23541561

Fax No.:

91-40-23541621

E-Mail :

complianceofficer@amrcl.com

info@amrcl.com

skmitra@inbox.com

Website :

http://www.amrcl.com

 

 

Corporate Office :

“Sai Krupa”, D. No.8-3-833, Plot No.37 and 38, Phase – 1, Kamalapuri Colony, Hyderabad – 500073, Andhra Pradesh, India

Tel. No.:

91-40-30570009

Fax No.:

91-40-30570012/ 15

Email:

info@amrgroup.in

 

 

DIRECTORS

 

(AS ON 29.09.2012)

 

Name :

Mr. Althuru Mahesh Reddy

Designation :

Managing Director

Address :

Flat No.106, Hanging Gardens, Road No.10, Banjara Hills, Hyderabad – 500034, Andhra Pradesh, India

Date of Appointment :

04.06.2001

DIN No.:

00758625

 

 

Name :

Mr. Althuru Girish Reddy

Designation :

Whole-time Director

Address :

Plot No.87, Road No.72, Jubilee Hills, Hyderabad – 500033, Andhra Pradesh, India

Date of Appointment :

25.04.2001

DIN No.:

01454094

 

 

Name :

Mr. Audinarayana Reddy Althuri

Designation :

Director

Address :

Plot No.87, Road No.72, Jubilee Hills, Hyderabad – 500033, Andhra Pradesh, India

Date of Appointment :

10.11.2003

DIN No.:

01115788

 

 

Name :

Mr. Subrata Kumar Mitra

Designation :

Nominee Director

Address :

1201, Phoenix Tower, B Wing, Senapati Bapat Marg, Lower Parel (West), Mumbai – 400013, Maharashtra, India

Date of Birth/Age :

16.01.1948

Date of Appointment :

28.02.2011

Nominee Company :

AVIGO PE Investments Limited

DIN No.:

00029961

 

 

Name :

Mr. Babugowda Sangangowda Patil

Designation :

Director

Address :

149, 5th Cross, 10th Main, Rajamahal Vilas Extension , Bangalore – 560080, Karnataka, India

Date of Appointment :

03.06.2008

DIN No.:

00061959

 

 

Name :

Mr. Harikrishnan Selvakumar

Designation :

Nominee Director

Address :

T-608, Purva Park Apartment, No.53, Mso Colony, Cox Town, Bg – 5, Bangalore – 560005, Karnataka, India

Date of Birth/Age :

20.07.1974

Date of Appointment :

12.01.2011

DIN No.:

02139866

 

 

Name :

Mrs. Kadayam Sankara Ramachandran

Designation :

Director

Address :

N-2/27, Phase – II, DLF City, Gurgaon – 122002, Haryana, India 

Date of Appointment :

10.12.2007

DIN No.:

01381957

 

 

KEY EXECUTIVES

 

Name :

Mr. Suresh Kumar Vaishraj

Designation :

Secretary

Date of Appointment :

04.01.2008

PAN No.:

AEPPV6317L

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

(AS ON 29.09.2012)

 

Names of Shareholders

 

 

No. of Shares

 

 

 

Althuru Mahesh Reddy

 

4336438

Althuru Girish Reddy

 

3687776

Audinarayana Reddy Althuri

 

992783

A. Radhika Reddy

 

215600

A. Latha Reddy

 

325600

A. Sulochanamma Reddy

 

243100

D. Subba Reddy

 

1100

Top Mercantile Limited, India

 

302290

Vansh Value Realty Private Limited, India

 

302290

Swati Bhandarkar

 

10000

Narendra S. Joshi 

 

10000

Metmin Investments Holdings Limited, Mauritius

 

407631

Avigo PE Investment Limited, Mauritius

 

5564178

Squadron South Asia, Hong Kong

 

1373

Bond Street Custodians Limited, Australia

 

686

Macquarie Investment Management Limited, Australia

 

686

Total

 

16401531

 

(AS ON 30.09.2012)

 

Equity Shares Break – up

 

Category

 

Percentage

 

 

 

Foreign holdings [Foreign institutional investors, Foreign Companies, Foreign Financial Institutions, Non-resident Indian or Overseas corporate bodies or others]

 

36.43

Bodies corporate

 

3.68

Directors or relatives of directors

 

59.77

Others

 

0.12

Total

 

 

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

The company is primarily engaged in the business of Erection and Construction of Roads, Building, Infrastructure, Irrigation, Electrical and Mining Projects

 

 

GENERAL INFORMATION

 

Customers :

·         Government of Andhra Pradesh

·         Government of Tamil Nadu

·         Rajiv Swagruha Corp Limited

·         The Singareni Collieries Company Limited

·         Mangalore Refinery and Petrochemicals Limited

·         Larsen and Toubro Limited

·         Madras Cements Limited

·         Grasim Cements

·         Gujarat industries Power Company Limited

·         India Cements Limited

·         Uranium Corp. Of India Limited

·         Indian Space Research Organization

·         Damodar Valley Corporation

·         Engineering Projects India Limited

 

 

No. of Employees :

Not Available

 

 

Bankers :

·         State Bank of India, Yellabdyd Branch, Hyderabad, Andhra Pradesh, India

·         State Bank of Travancore

·         State Bank of Patiala Bank of Baroda

·         Bank of Maharashtra

·         IDBI Bank

·         State Bank of Bikaner and Jaipur

·         Barclays Bank

·         HDFC Bank

·         Standard Chartered Bank

·         ICICI Bank

 

 

Facilities :

Secured Loans

31.03.2011

31.03.2010

 

 

(Rs. In Millions)

Term Loans

 

 

 - From Banks

2534.711

2235.168

 - From Others

485.017

411.886

Working Capital Loans

0

0

 - From Banks

3477.594

2511.319

Vehicles Loans

0

0

 - From Banks

39.357

8.079

 

 

 

Total

 

6536.679

5166.452

 

 

 

Banking Relations :

--

 

 

Financial Institution :

SREI Equipment Finance Private Limited, Vishwakarma, 86C, Topsia Road, Kolkata – 700046, West Bengal, India

 

 

Auditors :

 

Name :

Akasam and Associates

Chartered Accountant

Address :

“Akasam”, 10-1-17/1/1, Level 1 and 2, Masab Tank, Hyderabad – 500004, Andhra Pradesh, India

PAN No.:

AADFA6112E

 

 

Joint Venture :

·         AMRCL-MAYTAS-KBL-WEG CONSORTIUM

·         SPML-SEW-AMR

·         AMRCL-KCL (NF Railway Work)

·         KCL-AMRCL (GIPCL Work)

·         CCPL-AMRCL

·         PSR-AMRCL

·         DCPL-AMRCL

·         SKR -AMRCL

·         AMRCL-HARSHA

·         RITHWIK-AMR-MBL

 

 

Subsidiaries :

·         AMR Malind Infra Private Limited

CIN No.: U45204AP2006PTC050559

 

 

Associates :

·         AMR Agro Forms Limited

·         AMR Sangam Sugar Limited

·         Pavana Ganga Power Private Limited

·         AMR Hospitality Services Limited

·         AMRL International Tech City Limited

·         AMR Envergys Limited

·         AMR Global Services Limited

 


 

CAPITAL STRUCTURE

 

(AS ON 30.09.2011)

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

21000000

Equity Share

Rs.10/- each

Rs.210.000 Millions

3000000

Preference Shares

Rs.10/- each

Rs.30.000 Millions

 

 

 

 

 

Total

 

Rs.240.000 Millions

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

16401531

Equity Share

Rs.10/- each

Rs.164.015 Millions

2890997

Preference Shares

Rs.10/- each

Rs.28.910 Millions

 

 

 

 

 

Total

 

Rs.192.925 Millions

 

 

(AS ON 31.03.2011)

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

21000000

Equity Share

Rs.10/- each

Rs.210.000 Millions

3000000

Preference Shares

Rs.10/- each

Rs.30.000 Millions

 

 

 

 

 

Total

 

Rs.240.000 Millions

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

16398638

Equity Share

Rs.10/- each

Rs.163.986 Millions

 

 

 

 

 


 

FINANCIAL DATA

[all figures are in Rupees Millions]

 

 

ABRIDGED BALANCE SHEET

 

SOURCES OF FUNDS

 

31.03.2011

31.03.2010

31.03.2009

SHAREHOLDERS FUNDS

 

 

 

1] Share Capital

163.986

163.986

163.986

2] Share Application Money

899.999

0.000

0.000

3] Reserves & Surplus

4025.886

2156.630

1550.877

4] (Accumulated Losses)

0.000

0.000

0.000

NETWORTH

5089.871

2320.616

1714.863

LOAN FUNDS

 

 

 

1] Secured Loans

6536.679

5166.452

3240.733

2] Unsecured Loans

495.036

1567.137

1066.814

TOTAL BORROWING

7031.715

6733.589

4307.547

DEFERRED TAX LIABILITIES

101.528

65.786

42.577

 

 

 

 

TOTAL

12223.114

9119.991

6064.987

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

3876.236

2727.711

1783.333

Capital work-in-progress

0.000

13.290

1.133

 

 

 

 

INVESTMENT

21.003

11.002

11.002

DEFERREX TAX ASSETS

0.000

0.000

0.000

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

3354.683

2516.142

1854.519

 

Sundry Debtors

3173.916

2722.097

1822.083

 

Cash & Bank Balances

449.950

697.194

236.680

 

Other Current Assets

4712.321

2586.817

152.192

 

Loans & Advances

1317.129

814.358

2054.859

Total Current Assets

13007.999

9336.608

6120.333

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Sundry Creditor

1750.750

1360.170

268.702

 

Other Current Liabilities

2205.995

994.267

1215.188

 

Provisions

725.379

614.249

367.024

Total Current Liabilities

4682.124

2968.686

1850.914

Net Current Assets

8325.875

6367.922

4269.419

 

 

 

 

MISCELLANEOUS EXPENSES

0.000

0.066

0.100

 

 

 

 

TOTAL

12223.114

9119.991

6064.987

 

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

 

31.03.2011

31.03.2010

31.03.2009

 

SALES

 

 

 

 

 

Income

13803.330

10530.556

7392.041

 

 

Other Income

61.243

30.498

12.281

 

 

TOTAL                                     (A)

13864.573

10561.054

7404.322

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Accretion/(Decretion) of Inventories

(653.283)

(570.783)

(630.217)

 

 

Construction Expenses

11387.095

8714.020

6396.348

 

 

Payments and Benefits to Employees

249.110

219.132

163.082

 

 

Administrative and Selling Expenses

279.246

281.475

146.154

 

 

Miscellaneous Expenses written-off

0.066

0.033

0.033

 

 

TOTAL                                     (B)

11262.234

8643.877

6075.400

 

 

 

 

 

Less

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

2602.339

1917.177

1328.922

 

 

 

 

 

Less

FINANCIAL EXPENSES                         (D)

929.741

740.775

361.455

 

 

 

 

 

 

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

1672.598

1176.402

967.467

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                     (F)

439.929

276.307

183.415

 

 

 

 

 

 

PROFIT BEFORE TAX (E-F)                               (G)

1232.669

900.095

784.052

 

 

 

 

 

Less

TAX                                                                  (H)

417.440

306.130

274.705

 

 

 

 

 

 

PROFIT AFTER TAX (G-H)                                (I)

815.229

593.965

509.347

 

 

 

 

 

 

Prior Period Items

0.000

0.000

3.375

 

 

 

 

 

 

BALANCE CARRIED TO THE B/S

815.229

593.965

505.972

 

 

 

 

 

 

Earnings Per Share (Rs.)

49.71

36.22

40.89

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2011

31.03.2010

31.03.2009

PAT / Total Income

(%)

5.88

5.62

6.88

 

 

 

 

 

Net Profit Margin

(PBT/Sales)

(%)

8.93

8.55

10.61

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

7.30

7.46

9.92

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

0.24

0.39

0.46

 

 

 

 

 

Debt Equity Ratio

(Total Debt/Networth)

 

1.38

2.90

2.51

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

2.78

3.15

3.31

 

 

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

Yes

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

No

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

Yes

 

DETAILS OF UNSECURED LOANS

(Rs. In Millions)

Particulars

31.03.2011

31.03.2010

 

 

 

 

Debentures – Fully Paid

(Unsecured Compulsorily Convertible)

0.000

1054.026

Loans from others

495.036

513.111

 

 

 

Total

495.036

1567.137

 

PERFORMANCE OF THE COMPANY:

 

The company has achieved gross revenue of Rs. 14517.856 Millions as compared to Rs.11131.837 Millions in the previous financial year 2009-10 with a growth is 30.42%. Further the Company's net profit date d by 37.25% to Rs.815.229 Millions in the financial year as Compared to Rs.593.965 Millions in the previous financial year 2009-10.

 

OUTLOOK

 

The Company primarily operates across the following verticals -

 

Mining and Excavation: Excavation and Raising of minerals such as coal, limestone, lignite and Iron Ore.

 

Infrastructure: Infrastructure projects across segments like Irrigation and canal Work, Water and Waste management, sewage construction, Electrification etc. and Civil Construction: construction of building and other civil structures for various Industries such as cement, sugar and steel, construction of housing units and allied activities on contractual basis.

 

COMPANY BACKGROUND

 

Subject is a company incorporated in 2001 under the companies Act, 1956 providing infrastructure facilities.

 

The company is primarily engaged in the business of Erection and Construction of Roads, Building, Infrastructure, Irrigation, Electrical and Mining Projects.

 

CONTINGENT LIABILITIES NOT PROVIDED FOR

 

Particulars

 

31.03.2011

31.03.2010

 

(Rs. In Millions)

Bank Guarantee

4706.450

3507.024

Letter of Creditors

301.464

135.067

Disputed Claim

3.600

3.600

 

 

 

 

The Company has Litigation in respect of Crusher that was taken on lease for the execution of Polavaram Project. Since the project was suspended on orders from Government, the asset was not put to use and the lease rentals were delayed and not provided in the books of accounts. Pending judgment in the legal case, which the management feels would be in their favour, no provision has been created. The expenditure liability is expected to be around Rs.3.600 Millions for which the R is an equivalent amount with the lessor as a security deposit.

 

FIXED ASSETS

 

·         Land

·         Plant and Machinery

·         Office Equipment

·         Furniture and Fixtures

·         Computers

·         Vehicles

·         Electronics Goods

·         Temporary Sheds

 

 

WEBSITE DETAILS:

 

GROUP PROFILE:

 

AMR Constructions was established as a partnership firm in the year 1992, under the dynamic leadership of Mr. A. Mahesh Reddy. The company has diversified into various verticals such as mining, irrigation and construction and have excellent reputation in the industry. During the course of time, AMR has scaled enormous heights and successfully executed various civil projects across India and Nepal.

 

The Group executed prestigious projects for some of the most reputed companies like India Cements, Madras Cements, Grasim Cements and other Mineral Enterprises along with various State and Central government irrigation projects.

 

In the year 2001, the company was incorporated into a Public Limited Company. This was followed by various award winning milestones, such as Rashtriya Nirman Ratan Award, given by IEDRA in the year 2007 to Mr. Mahesh Reddy for his outstanding contribution to the Construction Industry, and subsequently The International Excellence Award in the year 2008 given to Mr. Girish Reddy (JMD) for Construction Quality and Design. Currently the group has over 240 million cubic meter contracts on hand

 

 

MILESTONES

 

 

·1992
Mr. A Mahesh Reddy started AMR Constructions along with his brother Mr. Girish Reddy as a partnership firm.

 

  • 1994
    AMR undertakes mining of limestone from the mines owned by the cement  companies

 

  • 1995
    AMR initiated civil works projects for Visakha Cements (India Cements Ltd.) and also executed civil works in Nepal

 

  • 1998
    AMR initiates housing construction

 

  • 2001
    Incorporated as a Public Limited Company

 

  • 2003
    AMR awarded first Iron ore excavation project

 

  • 2005
    AMR acquires major irrigation project

 

  • 2006
    Investment in FCDs by private equity investor (Tranche I)

 

  • 2007
    Mr. A Mahesh Reddy received the Rashtriya Nirman Ratan Award
    Additional investment by the same PE investor (Tranche II )
    Additional investment in FCDs by the same PE investor (Tranche III)

 

  • 2008
    Mr. A Girish Reddy receives the International Excellence Award for Construction Quality and Design

 

  • 2009
    Achieved 240 Million Cubic Meter mining contracts

 

 

 

 


 

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.54.43

UK Pound

1

Rs.83.20

Euro

1

Rs.71.91

 

INFORMATION DETAILS

 

Report Prepared by :

BSN

 


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

5

PAID-UP CAPITAL

1~10

5

OPERATING SCALE

1~10

5

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

5

--PROFITABILIRY

1~10

5

--LIQUIDITY

1~10

5

--LEVERAGE

1~10

5

--RESERVES

1~10

5

--CREDIT LINES

1~10

5

--MARGINS

-5~5

--

DEMERIT POINTS

 

 

--BANK CHARGES

YES/NO

YES

--LITIGATION

YES/NO

NO

--OTHER ADVERSE INFORMATION

YES/NO

NO

MERIT POINTS

 

 

--SOLE DISTRIBUTORSHIP

YES/NO

NO

--EXPORT ACTIVITIES

YES/NO

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

 

45

 

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.