MIRA INFORM REPORT

 

 

Report Date :

03.01.2013

 

IDENTIFICATION DETAILS

 

Name :

SHREE TIRUPATI BALAJI AGRO TRADING COMPANY PRIVATE LIMITED

 

 

Registered Office :

Plot No-192, Sector-1, Pithampur, Dhar – 454775, Madhya Pradesh

 

 

Country :

India

 

 

Financials (as on) :

31.03.2011

 

 

Date of Incorporation :

23.10.2001

 

 

Com. Reg. No.:

10 - 014855

 

 

Capital Investment / Paid-up Capital :

Rs. 14.966 Millions

 

 

CIN No.:

[Company Identification No.]

U2520MP2001PTC014855

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

BPLS05580B

 

 

PAN No.:

[Permanent Account No.]

AAGCS3449G

 

 

Legal Form :

Private Limited Liability Company

 

 

Line of Business :

Manufacturer and Supplier of PP Products

 

 

No. of Employees :

Not Available

 

 

RATING & COMMENTS

 

MIRA’s Rating :

B (31)

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Maximum Credit Limit :

USD 610000

 

 

Status :

Moderate

 

 

Payment Behaviour :

Slow but Correct

 

 

Litigation :

Clear

 

 

Comments :

Subject is an established company having a moderate track record. Latest financials i.e. 2011-12 are missing from the government department. From the available financial of 2011 it seems that the profitability of the company appears to be low. Also the company has recorded huge external borrowings. However, trade relations are reported as fair. Business is active. Payments are reported to slow but correct.

 

The company can considered for business dealings with some cautions.

 

NOTES :

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

 

 

ECGC Country Risk Classification List – 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

CRISIL

Rating

BB (Cash Credit)

Rating Explanation

Moderate risk of default.

Date

24.02.2011

 

 

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 / Factory :

Plot No-192, Sector-1, Pithampur, Dhar – 454775, Madhya Pradesh, India

Tel. No.:

91-7292-417750-79 (EPBX)

Mobile No.:

91-9752596104

Fax No.:

91-7292-417761

E-Mail :

rkmahapatra@rediffmail.com

diamondsdco@gmail.com

Website :

www.tirupatibalaji.com

 

 

Head Office :

321 / 418 – 421, Rafael Tower 8 / 2, Old Palasta, Indore - 452016, Madhya Pradesh, India

Tel. No.:

91-731-4061957 / 4217400-30 (EPBX)

Fax No.:

91-731-4069782

E-Mail :

bk@tiruptibalaji.com

anantpd1@yahoo.com

 

 

DIRECTORS

 

AS ON 30.09.2011

 

Name :

Mr. Bindoo Kumar Agarwal

Designation :

Whole-time Director

Address :

203, Samyak Tower,16/3, Old Palasia, Indore – 452001, Madhya Pradesh, India

Date of Birth/Age :

04.02.1964

Date of Appointment :

29.10.2001

DIN No.:

00322536

 

Other Directorship:

S.No.

CIN/LLPIN

Name of the Company/ LLP

Current designation of the Director/ Designated Partner

Date of appointment at current designation

Original date of appointment

Date of cessation

Company/ LLP Status

Defaulting status

1

U25204MP2001PTC014855

SHREE TIRUPATI BALAJEE AGRO TRADING COMPANY PRIVATE LIMITED

Whole-time director

29/10/2001

29/10/2001

-

Active

NO

2

U67120MP2002PTC015201

ANANT TREXIM PRIVATE LIMITED

Whole-time director

05/08/2002

05/08/2002

-

Active

NO

3

U25199MP2004PTC016499

JAGANNATH PLASTICS PRIVATE LIMITED

Whole-time director

26/03/2004

26/03/2004

-

Active

NO

4

U67120MP1995PTC009952

SWARNAJYOT FINVEST PRIVATE LIMITED

Director

12/11/2005

12/11/2005

01/09/2010

Active

NO

5

U63012MP2008PTC020933

SKY LOGISTICS PRIVATE LIMITED

Managing director

17/07/2008

17/07/2008

24/09/2012

Active

NO

6

U51109WB2007PTC112924

NAGESHWAR VINIMAY PRIVATE LIMITED

Director

10/04/2010

10/04/2010

-

Active

NO

7

U25202MP2009PTC022526

SHREE TIRUPATI BALAJEE FIBC PRIVATE LIMITED

Director

06/09/2010

06/09/2010

-

Active

NO

8

U25202MP2010PTC023075

HONOURABLE PACKAGING PRIVATE LIMITED

Director

08/09/2010

08/09/2010

-

Active

NO

9

U51101WB2010PTC145478

CRAZY DEALCOM PRIVATE LIMITED

Director

13/05/2011

29/10/2010

-

Active

NO

10

U51101WB2010PTC145452

HASTE VINTRADE PRIVATE LIMITED

Director

13/05/2011

29/10/2010

-

Active

NO

11

U70101MP2012PTC028078

ABA REALBUILD PRIVATE LIMITED

Director

26/03/2012

26/03/2012

-

Active

NO

 

 

Name :

Ms. Sunita Agarwal

Designation :

Director

Address :

203, Samyak Tower,16/3, Old Palasia, Indore – 452001, Madhya Pradesh, India

Date of Birth/Age :

26.06.1966

Date of Appointment :

23.10.2001

DIN No.:

00322594

 

Other Directorship:

S.No.

CIN/LLPIN

Name of the Company/ LLP

Current designation of the Director/ Designated Partner

Date of appointment at current designation

Original date of appointment

Date of cessation

Company/ LLP Status

Defaulting status

1

U25204MP2001PTC014855

SHREE TIRUPATI BALAJEE AGRO TRADING COMPANY PRIVATE LIMITED

Director

23/10/2001

23/10/2001

-

Active

NO

2

U67120MP2002PTC015201

ANANT TREXIM PRIVATE LIMITED

Director

05/08/2002

05/08/2002

-

Active

NO

3

U25199MP2004PTC016499

JAGANNATH PLASTICS PRIVATE LIMITED

Director

19/07/2004

19/07/2004

-

Active

NO

4

U67120MP1995PTC009952

SWARNAJYOT FINVEST PRIVATE LIMITED

Director

12/11/2005

12/11/2005

01/09/2010

Active

NO

5

U63012MP2008PTC020933

SKY LOGISTICS PRIVATE LIMITED

Director

17/07/2008

17/07/2008

24/09/2012

Active

NO

6

U72200MP2009PTC022697

VINITA SOFTWARE PRIVATE LIMITED

Director

20/11/2009

20/11/2009

-

Active

NO

7

U17300MP2009PTC022696

ANANT TEXTILES PRIVATE LIMITED

Director

20/11/2009

20/11/2009

-

Active

NO

8

U25202MP2010PTC023075

HONOURABLE PACKAGING PRIVATE LIMITED

Director

18/06/2010

11/02/2010

-

Active

NO

9

U25202MP2010PTC023067

AGROLIN TARPOLINE PRIVATE LIMITED

Director

11/02/2010

11/02/2010

-

Active

NO

10

U51109WB2007PTC112924

NAGESHWAR VINIMAY PRIVATE LIMITED

Director

10/04/2010

10/04/2010

-

Active

NO

11

U25202MP2009PTC022526

SHREE TIRUPATI BALAJEE FIBC PRIVATE LIMITED

Director

06/09/2010

06/09/2010

-

Active

NO

12

U51101WB2010PTC145478

CRAZY DEALCOM PRIVATE LIMITED

Director

13/05/2011

29/10/2010

-

Active

NO

13

U51909WB2008PTC123185

SUHANA TRADELINKS PRIVATE LIMITED

Director

13/05/2011

29/10/2010

-

Active

NO

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

AS ON 30.09.2011

 

Names of Shareholders

No. of Shares

Sunita Agrawal

85308

Pawan Kumar Agrawal

35

Binod Kumar Agrawal

7816

Surendra Patwa

63

Nageshwar Vinimay

295513

Anant Tresim Private Limited, Madhya Pradesh, India

423291

Jagannath Plastics Private Limited, Madhya Pradesh, India

395106

Honourable Packaging Private Limited, Madhya Pradesh, India

175000

Vinita Software Private Limited, Madhya Pradesh, India

65000

Anant Textiles Private Limited, Madhya Pradesh, India

49500

 

 

TOTAL

1496632

 

 

List of Allottees

 

AS ON 17.12.2012

 

Names of Allottees

No. of Shares Allotted

Suhana Tradelink Private Limited, Kolkata

45455

Anant Trexim Private Limited, Indore

45455

 

 

                                                                                                                            TOTAL

90910

 

 

AS ON 31.03.2012

 

Names of Allottees

No. of Shares Allotted

Honourable Packaging Private Limited, Indore

40000

Jagannath Plastic Private Limited, Indore

60000

 

 

                                                                                                                            TOTAL

100000

 

 

AS ON 30.09.2011

 

Equity Shares Break Up

Percentage of Holding

Bodies corporate

93.77

Directors or relatives of Directors

6.23

TOTAL

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Manufacturer and Supplier of PP Products

 

 

Products :

·         Plastic Bags

·         Plastic Fabrics

 

 

PRODUCTION STATUS (AS ON : 31.03.2011)

 

Particulars

Unit

Licensed Capacity

Installed Capacity

Actual Production

Tape

M.T.

6600

6600

6672.42

Fabric

M.T.

6600

6600

5740.46

 

 

GENERAL INFORMATION

 

No. of Employees :

Not Available

 

 

Bank:

·         Bank of India, R.N.T. Marg Branch, Silver Mall, RNT Marg, Inore-452001, Madhya Pradesh, India

Email-ID : palasia.indore@bankofindia.co.in

 

·         Bank of India Sanyogitaganj Branch, 203, samyak Tower Old Palasia Inore-452001, Madhya Pradesh, Indi

 

·         CITI Bank

·         HDFC Bank

 

 

Facilities :

Secured Loan

 

Rs. In Millions

31.03.2011

Rs. In Millions

31.03.2010

Working Capital Loan

135.193

114.175

Term Loan 880770110000001(5)

4.125

5.625

Term Loan 880770210000002(6)

5.612

7.112

Term Loan 880770210000004(7)

11.575

13.975

Term Loan 880770220200047(3)

0.250

1.250

Term Loan 880770410000001(1) Building

0.297

0.868

Term Loan 880770410000002(4) (Plant and Machinery)

1.411

3.884

Bank of India Car Loan

0.172

0.303

Citi Bank (loan A/C) Lah-Zal-4767235

0.000

0.161

HDFC car loan (Indiago) 12756688

0.000

0.097

HDFC car loan (Scoda)

0.000

0.036

 

 

 

TOTAL

158.635

147.486

 

 

 

Unsecured Loan

 

Rs. In Millions

31.03.2011

Rs. In Millions

31.03.2010

Corporate Bodies

8.091

6.704

Others

0.060

0.000

 

 

 

TOTAL

8.151

6.704

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

ABN and Company

Chartered Accountant

Address :

223, Milind Manore, 2, RNT Marg, Indore – 452001, Madhya Pradesh, India

 




 

 

Other Related Parties :

·         Anant Tresxim Private Limited

·         Jagannath Plastics Private Limited

·         Sky Logistics Private Limited

·         M/s Narmada Marketing

·         Shree Tirupati Balajee FIBC Private Limited

·         Anant Textiles Private Limited

·         Vinita Software Private Limited

·         Honourable Packaging Private Limited

·         Nageshwar Vinimay Private Limited

·         Agroline Tarpoline Private Limited

 

 

CAPITAL STRUCTURE

 

AS ON 31.03.2011

 

Authorised Capital :

 

No. of Shares

Type

Value

Amount

 

 

 

 

2000000

Equity Shares

Rs.10/- each

Rs. 20.000 Millions

 

Issued, Subscribed & Paid-up Capital :

 

No. of Shares

Type

Value

Amount

 

 

 

 

11446320

Equity Shares

Rs.10/- each

Rs. 11.146 Millions

 

 

After 29.09.2012

 

Authorised Capital :

 

No. of Shares

Type

Value

Amount

 

 

 

 

2000000

Equity Shares

Rs.10/- each

Rs. 20.000 Millions

 

Issued, Subscribed & Paid-up Capital :

 

No. of Shares

Type

Value

Amount

 

 

 

 

1687542

Equity Shares

Rs.10/- each

Rs. 16.875 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

11.146

11.146

8.236

2] Share Application Money

37.926

3.026

0.026

3] Reserves & Surplus

104.869

99.301

65.898

4] (Accumulated Losses)

0.000

0.000

0.000

NETWORTH

153.941

113.473

74.160

LOAN FUNDS

 

 

 

1] Secured Loans

158.635

147.486

110.348

2] Unsecured Loans

8.151

6.704

8.766

TOTAL BORROWING

166.786

154.190

119.114

DEFERRED TAX LIABILITIES

3.570

3.090

2.751

 

 

 

 

TOTAL

324.297

270.753

196.025

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

70.135

70.988

57.095

Capital work-in-progress

16.743

6.189

2.451

 

 

 

 

INVESTMENT

0.000

0.000

0.000

DEFERREX TAX ASSETS

0.000

0.000

0.000

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

216.346

142.530

75.252

 

Sundry Debtors

81.924

75.951

55.506

 

Cash & Bank Balances

9.366

10.358

7.699

 

Other Current Assets

0.000

0.000

0.000

 

Loans & Advances

39.179

46.165

29.008

Total Current Assets

346.815

275.004

167.465

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Sundry Creditors

78.251

68.284

23.750

 

Other Current Liabilities

24.324

6.660

4.021

 

Provisions

6.821

6.484

3.215

Total Current Liabilities

109.396

81.428

30.986

Net Current Assets

237.419

193.576

136.479

 

 

 

 

MISCELLANEOUS EXPENSES

0.000

0.000

0.000

 

 

 

 

TOTAL

324.297

270.753

196.025

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

31.03.2011

31.03.2010

31.03.2009

 

SALES

 

 

 

 

 

Income

784.896

511.352

428.870

 

 

Other Income

6.121

3.388

0.726

 

 

TOTAL                                     (A)

791.017

514.740

429.596

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Material Consumed

691.750

437.709

355.142

 

 

Employee Benefit

26.411

17.349

10.118

 

 

Manufacturing and other expenses

97.275

67.663

49.403

 

 

Provision for Gratuity

(0.146)

0.118

0.040

 

 

Increase and Decrease in inventories

(66.748)

(41.817)

(12.408)

 

 

TOTAL                                     (B)

748.542

481.022

402.295

 

 

 

 

 

Less

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

42.475

33.718

27.301

 

 

 

 

 

Less

FINANCIAL EXPENSES                         (D)

24.182

18.113

16.848

 

 

 

 

 

 

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

18.293

15.605

10.453

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                     (F)

9.793

8.086

6.539

 

 

 

 

 

 

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

8.500

7.519

3.914

 

 

 

 

 

Less

Prior Period Adjustment(Income)/Expenses

0.336

(1.125)

(0.408)

 

 

 

 

 

Less

TAX                                                                  (H)

2.596

2.932

1.599

 

 

 

 

 

 

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

5.568

5.712

2.723

 

 

 

 

 

Add

PREVIOUS YEARS’ BALANCE BROUGHT FORWARD

18.137

12.425

9.701

 

 

 

 

 

 

BALANCE CARRIED TO THE B/S

23.705

18.137

12.424

 

 

 

 

 

 

EARNINGS IN FOREIGN CURRENCY

 

 

 

 

 

Export Earnings

342.297

201.514

215.595

 

TOTAL EARNINGS

342.297

201.514

215.595

 

 

 

 

 

 

IMPORTS

 

 

 

 

 

Raw Materials

156.211

25.930

3.751

 

 

Capital Goods

0.000

0.000

0.557

 

TOTAL IMPORTS

156.211

25.930

4.308

 

 

 

 

 

 

Earnings Per Share (Rs.)

 

 

 

 

Basic

5.00

5.13

4.06

 

Diluted

5.00

5.13

4.06

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2011

31.03.2010

31.03.2009

PAT / Total Income

(%)

0.70

1.11

0.63

 

 

 

 

 

Net Profit Margin

(PBT/Sales)

(%)

1.08

1.47

0.91

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

2.04

2.17

1.74

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

0.05

0.07

0.05

 

 

 

 

 

Debt Equity Ratio

(Total Liability/Networth)

 

0.71

0.72

0.42

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

3.17

3.38

5.40

 

 

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

No

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

No

12]

Profitability for last three years

No

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)

Yes

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

 

 

FORM 8

 

Corporate identity number of the company

U2520MP2001PTC014855

Name of the company

SHREE TIRUPATI BALAJI AGRO TRADING COMPANY PRIVATE LIMITED

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

Plot No-192, Sector-1, Pithampur, Dhar – 454775, Madhya Pradesh, India

This form is for

Modification of charge

Charge identification number of the charge to be modified

10039903

Type of charge

·         Book debts

·         Movable property (not being pledge)

·         Floating charge

·         Others

Particular of charge holder

Nationalized Bank,

Nature of instrument creating charge

Sanction Letter

Supplemental deed of hypothecation.

Deed of guarantee.

Date of instrument Creating the charge

05.04.2012

Amount secured by the charge

Rs.280.300 Millions

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

Rate of interest

Adhoc working capital limit: 3.50% over base rate minimum 14.25%.

Other terms as per sanction letter dt 05.04.12 and agreements.

 

Terms of repayment

Increased cc limit : on demand. Upto 90 days. (renewable in one year)

As per sanction letter and agreement.

 

Margin

25%

As per sanction letter and agreement.

 

Extent and operation of the charge

Charge shall operate against hypothecation of current assets including stocks both present and future and all present and future book debts.

Other terms and conditions as per sanction letter and agreement.

 

Other

Other terms and conditions as per the sanction letter and agreement.

Em on factory land and building.

Short particulars of the property charged (Including location of the property)

Hypothecation of current assets including stocks both present and future and all present and future book debts of the company.

Date of instrument modifying the charge

27.07.2011

Particulars of the present modification

Sanction of new Adhoc Working Capital limit of Rs. 20.000 Millions Now new overall limit increased to Rs. 280.300 Millions

Hypothecation of Current assets including stocks and book debts.

 

 

FIXED ASSETS

 

·         Buildings

·         Plant and Machinery

·         Electrical Machines

·         Computers

·         Office Equipment

·         Furniture and Fixture

·         Motor Car

·         Motor Cycle

 


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.54.39

UK Pound

1

Rs.88.76

Euro

1

Rs.72.19

 

 

INFORMATION DETAILS

 

Report Prepared by :

SPR


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

4

PAID-UP CAPITAL

1~10

4

OPERATING SCALE

1~10

3

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

4

--PROFITABILIRY

1~10

3

--LIQUIDITY

1~10

3

--LEVERAGE

1~10

3

--RESERVES

1~10

4

--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

 

31

 

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.