MIRA INFORM REPORT

 

 

Report Date :

30.01.2013

 

IDENTIFICATION DETAILS

 

Name :

FANCY FITTINGS LIMITED

 

 

Formerly Known As :

FANCY FITTINGS PRIVATE LIMITED

 

 

Registered Office :

145/259, Minerva Industrial Estate, Sewri Bunder Road, Sewri (East), Mumbai – 400015, Maharashtra

 

 

Country :

India

 

 

Financials (as on) :

31.03.2012

 

 

Date of Incorporation :

06.01.1993

 

 

Com. Reg. No.:

11-070323

 

 

Capital Investment / Paid-up Capital :

Rs.16.290 Millions

 

 

CIN No.:

[Company Identification No.]

L74999MH1993PLC070323

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

MUMF01265F

 

 

PAN No.:

[Permanent Account No.]

AAACF0537G

 

 

Legal Form :

A Public Limited Liability Company. The Company’s Shares are Listed on the Stock Exchange.

 

 

Line of Business :

Manufacturer of Plastic Fasteners and Buckles for the Automobile, Home
Appliances, Travel and Sportswear, Garment and Footwear Industries.

 

 

No. of Employees :

Information Denied By Management.

 

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba (49)

 

RATING

STATUS

PROPOSED CREDIT LINE

 

41-55

Ba

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

Satisfactory

 

 

Maximum Credit Limit :

USD 1190000

 

 

Status :

Satisfactory

 

 

Payment Behaviour :

Usually Correct

 

 

Litigation :

Clear

 

 

Comments :

Subject is a well established company having a satisfactory track record. There appear sharp dip in profitability during the current year.

 

However, the general financial position of the company seems to be 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 condition.

 

 

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

 

 

EXTERNAL AGENCY RATING

 

Rating Agency Name

CRISIL

Rating

CRISIL BBB- (Long Term Rating)

Rating Explanation

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

Date

November 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.

 

 

INFORMATION DENIED BY

 

Name :

Mr. Kalpesh

Designation :

Manager

Contact No.:

91-22-6624521

Date :

28.01.2013

 

 

LOCATIONS

 

Registered Office :

145/259, Minerva Industrial Estate, Sewri Sunder Road, Sewri (East), Mumbai – 400015, Maharashtra, India

Tel. No.:

91-22-61389900

Fax No.:

91-22-24143288

E-Mail :

fancy@ffltd.com

info@ffltd.com

Website :

http://www.fancyfittings.com

 

 

Factory 1:

Unit I: Plot No. D1-D2  Survey No. 55/2-A, Ringanwada Behind Daman Fire Force Station  Nani Daman (U.T.) 396210, India 

 

 

Factory 2:

Unit III: Plot No. 55/3, 55/3A, 55/3B, 55/4,  Survey No. 55/2-A Ringanwada Behind Daman Fire Force Station Nani Daman (U.T.) 396210, India 

 

 

Factory 2:

Plot No. 97, 98, 99 and 100, Surat Special Economic Zone, Diamond Park, G.I.D.C, Sachin, Surat - 394 230, Gujarat India  

 

 

Branch Offices :

Located at:

 

Fittings Division

·         Mumbai

·         Delhi

 

Hanger Division

·         Mumbai

·         Delhi

·         Bangalore

·         Tirupur

 

 

DIRECTORS


AS ON 28.09.2012

 

Name :

Mr. Jayant Navinchandra Parekh

Designation :

Chairman Cum Managing Director

Address :

Fortune Building, 3rd Floor, Plot No. 568, Lady Jahangir Road, Matunga (East), Mumbai – 400019, Maharashtra, India

Date of Birth/Age :

18.10.1961

Date of Appointment :

06.01.1993

DIN No.:

00095406

 

Name :

Mrs. Nishita Kirit Shah

Designation :

Whole-time Director

Address :

67/69, Perin Nariman Street, Bhagwan Bhuvan, 4th Floor, Fort, Mumbai – 400001, Maharashtra, India

Date of Birth/Age :

17.08.1964

Date of Appointment :

22.05.2006

DIN No.:

00095423

 

Name :

Mr. Anup Kumud Shah

Designation :

Director

Address :

1-8-215/4, Prenderghast Road, Secunderabad – 500003, India

Date of Birth/Age :

09.09.1960

Date of Appointment :

28.06.2001

DIN No.:

00095450

 

 

Name :

Mr. Nimesh Kishore Sheth

Designation :

Director

Address :

26/82, Stambh Tirth, Rafi Ahmed Kidwai Road, Wadala, Mumbai- 400031, Maharashtra, India

Date of Birth/Age :

11.02.1969

Date of Appointment :

28.06.2008

DIN No.:

00772973

 

Name :

Mr. Piyush Chandrasinh Sampat

Designation :

Director

Address :

402, Jeevan Bharat Society, Plot No. 487, 17th Road, Khar (West), Mumbai-400052, Maharashtra, India

Date of Birth/Age :

02.12.1961

Date of Appointment :

28.06.2008

DIN No.:

01613411

 

Name :

M. Nishit Mohanlal Dhruva

Designation :

Director

Address :

Dariya Mahal, A Wing, 1st Floor, 80, Napean Sea Road, Mumbai- 400006, Maharashtra, India

Date of Birth/Age :

17.08.1964

Date of Appointment :

28.06.2008

DIN No.:

01641751

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

Note: Shareholder details file attached.

 

AS ON 28.09.2012

 

Equity Shares Break Up

 

Percentage

 

 

 

Bodies corporate

 

23.38

Directors or relatives of directors

 

55.79

Other top fifty shareholders

 

16.19

Others

 

4.64

 

 

 

Total

 

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Manufacturer of Plastic Fasteners and Buckles for the Automobile, Home
Appliances, Travel and Sportswear, Garment and Footwear Industries.

 

 

Product

Product Description

ITC No

 

Plastic Fastners, Buckles, Hooks And Locks of Handbags, Soft Luggage, Suitcases, Plastic Hangers, Etc

392640.09

 

 

GENERAL INFORMATION

 

No. of Employees :

Information Denied By Management.

 

 

Bankers :

·         State Bank of India

Backbay Reclamation Branch, Raheja Chambers, Ground Floor, Nariman Point, Mumbai - 400021, Maharashtra, India

 

 

Facilities :

Secured Loans

31.03.2012

31.03.2011

 

 

(Rs. In Millions)

Rupee Term Loan from Banks

7.752

22.483

Rupee Term Loan from Others

4.465

19.050

Working Capital Loan from Bank

201.322

178.798

 

 

 

Total

213.539

220.331

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

N B Parekh and Associates

Chartered Accountants

Address :

A-16, Arihant Owners Colony Vidyavihar-East Mumbai – 400077, Maharashtra, India

PAN No.:

AAJPP9063H

 

 

Other Related Parties :

·         Zipper (India) Private Limited

CIN NO : U01100MH1961PTC023004

·         Apeksha Plastic Products Private Limited

·         Fancy Fittings Pty. Limited

·         Mrs Nishita K Shah

·         Rupam J Parekh

·         Riddhi K Shah

PAN NO : BHSPS0073B

·         Mr. Jayant N Parekh

PAN NO : AADPP0435F

·         Mr. Amita A Shah

PAN NO : AKAPS0093F

 

 

CAPITAL STRUCTURE

 

AS ON 31.03.2012

 

Authorised Capital :

 

No. of Shares

Type

Value

Amount

 

 

 

 

1998000

Equity Share

Rs.10/- each

Rs.19.980 Millions

2000

Preference Shares

Rs.10/- each

Rs.0.020 Million

 

 

 

 

 

Total

 

Rs.20.000 Millions

 

Issued, Subscribed & Paid-up Capital :

 

No. of Shares

Type

Value

Amount

 

 

 

 

1629000

Equity Share

Rs.10/- each

Rs.16.290 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

16.290

16.290

16.290

2] Share Application Money

0.000

0.000

0.000

3] Reserves & Surplus

282.103

274.047

255.158

4] (Accumulated Losses)

0.000

0.000

0.000

NETWORTH

298.393

290.337

271.448

LOAN FUNDS

 

 

 

1] Secured Loans

213.540

220.331

139.080

2] Unsecured Loans

10.421

8.421

8.246

TOTAL BORROWING

223.961

228.752

147.326

DEFERRED TAX LIABILITIES

22.959

22.312

21.410

 

 

 

 

TOTAL

545.314

541.400

440.184

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

 257.373

269.845

227.309

Capital work-in-progress

0.000

0.000

16.763

 

 

 

 

INVESTMENT

10.730

10.630

10.530

DEFERREX TAX ASSETS

0.000

0.000

0.000

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

202.051
211.576

150.393

 

Sundry Debtors

113.727
106.756

108.499

 

Cash & Bank Balances

27.625
33.117

28.862

 

Other Current Assets

23.068
29.211

0.000

 

Loans & Advances

79.782
75.542

75.902

Total Current Assets

446.253

456.202

363.656

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Sundry Creditor

104.586
131.255

150.782

 

Other Current Liabilities

39.238
42.406

18.507

 

Provisions

25.218
21.616

8.899

Total Current Liabilities

169.042

195.277

178.188

Net Current Assets

277.211

260.925

185.468

 

 

 

 

MISCELLANEOUS EXPENSES

0.000

0.000

0.114

 

 

 

 

TOTAL

545.314

541.400

440.184

 


PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

 

31.03.2012

31.03.2011

31.03.2010

 

SALES

 

 

 

 

 

Income

649.299

665.732

509.114

 

 

Other Income

1.433

1.919

0.989

 

 

TOTAL                                     (A)

650.732

667.651

510.103

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Cost of material consumed

374.658

404.867

0.000

 

 

Purchased of Stock in trade

7.272

5.747

0.000

 

 

Purchased of finished goods, work-in-progress and stock in trade

(6.135)

(44.231)

0.000

 

 

Consumption Materials Changed Inventories 

0.000

0.000

281.395

 

 

Manufacturing Service costs

0.000

0.000

61.171

 

 

Employee Related Expenses

61.843

55.095

37.820

 

 

Administrative, Selling and Other Expenses

0.000

0.000

48.569

 

 

Other Expenses

131.215

163.135

0.000

 

 

TOTAL                                     (B)

568.853

584.613

428.955

 

 

 

 

 

Less

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

81.879

83.038

81.148

 

 

 

 

 

Less

FINANCIAL EXPENSES                         (D)

39.117

30.077

18.178

 

 

 

 

 

 

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

42.762

52.961

62.970

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                     (F)

27.422

24.471

22.521

 

 

 

 

 

 

PROFIT BEFORE TAX (E-F)                               (G)

15.340

28.490

40.449

 

 

 

 

 

Less

TAX                                                                  (H)

5.391

3.902

4.740

 

 

 

 

 

 

PROFIT AFTER TAX (G-H)                                (I)

9.949

24.588

35.709

 

 

 

 

 

Add

PREVIOUS YEARS’ BALANCE BROUGHT FORWARD

229.404

212.975

186.557

 

 

 

 

 

Less

APPROPRIATIONS

 

 

 

 

 

Transfer to General Reserve

NA

2.460

3.592

 

 

Proposed Dividend

NA

4.887

4.887

 

 

Tax on Dividend

NA

0.812

0.812

 

BALANCE CARRIED TO THE B/S

239.353

229.404

212.975

 

 

 

 

 

 

EARNINGS IN FOREIGN CURRENCY

NA

284.896

198.609

 

 

 

 

 

 

IMPORTS

 

 

 

 

 

Raw Materials

NA

NA

99.392

 

 

Stores & Spares

NA

NA

0.000

 

 

Capital Goods

NA

NA

1.493

 

TOTAL IMPORTS

NA

NA

100.885

 

 

 

 

 

 

Earnings Per Share (Rs.)

6.11

15.09

21.92

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2012

31.03.2011

31.03.2010

PAT / Total Income

(%)

1.54

3.68

7.00

 

 

 

 

 

Net Profit Margin

(PBT/Sales)

(%)

2.38

4.28

7.94

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

2.15

3.86

6.84

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

0.05

0.10

0.15

 

 

 

 

 

Debt Equity Ratio

(Total Debt/Networth)

 

0.75

0.79

0.54

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

2.64

2.34

2.04

 

 

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

Yes

10]

Designation of contact person

Yes

11]

Turnover of firm for last three years

Yes

12]

Profitability for last three years

Yes

13]

Reasons for variation <> 20%

-----

14]

Estimation for coming financial year

No

15]

Capital in the business

Yes

16]

Details of sister concerns

Yes

17]

Major suppliers

No

18]

Major customers

No

19]

Payments terms

Yes

20]

Export / Import details (if applicable)

No

21]

Market information

-----

22]

Litigations that the firm / promoter involved in

-----

23]

Banking Details

Yes

24]

Banking facility details

Yes

25]

Conduct of the banking account

-----

26]

Buyer visit details

-----

27]

Financials, if provided

Yes

28]

Incorporation details, if applicable

Yes

29]

Last accounts filed at ROC

Yes

30]

Major Shareholders, if available

Yes

31]

Date of Birth of Proprietor/Partner/Director, if available

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

 

 

UNSECURED LOANS

 

Particulars

31.03.2012

31.03.2011

 

(Rs. In Millions)

Loans and Advance from Directors

9.400

8.000

Loans and Advance from Others

0.421

0.421

Other Loans and Advances

0.600

0.000

 

 

 

Total

10.421

8.421

 

 

SUNDRY CREDITORS DETAILS

(Rs. In Millions)

Particulars

 

31.03.2012

31.03.2011

31.03.2010

Sundry Creditors

104.586

131.255

150.782

TOTAL

104.586

131.255

150.782

 

 

MANAGEMENT DISCUSSION AND ANALYSIS

 

INDUSTRY OVERVIEW

 

During the year, the industry faced problem of uncertain market conditions due to steep fluctuations in prices of raw materials and overall slow down of world economy. Further, high inflation is a matter of concern for Indian economy and tighter monetary conditions and rising prices is leaving consumers with less disposable income.

Unorganised market players have also come into play in a big way. However, despite of all these constraints, the Indian Plastic Industry is growing. The Industry is providing immense scope and vast opportunities in terms of wide varieties of plastic goods and the management anticipates better future of Plastic Industry in the domestic as well as international market in the coming years.

 

 

OUTLOOK

 

The Company is expecting to achieve turnover of more than Rs. 800.000 Millions during the year 2012-13. The Company is also exploring opportunities to tap new markets.

 

 

CONTINGENT LIABILITIES NOT PROVIDED FOR IN THE ACCOUNTS

 

Particulars

31.03.2012

31.03.2011

31.03.2010

 

(Rs. In Millions)

 

 

Counter Guarantees given to the bank

13.600

5.477

1.650

 

 

 

 

 

 

FORM 8:

 

Corporate identity number of the company

L74999MH1993PLC070323

Name of the company

FANCY FITTINGS LIMITED

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

145/259 Minerva  Industrial Estate, Sewri Bunder Road,

Sewri  (East), Mumbai – 400015, Maharashtra, India

fancy@ffltd.com

This form is for

Modification of charge

Charge identification number of the modified 

90350300

Type of charge

Immovable Property

Particular of charge holder

State Bank of India’

Backbay Reclamation Branch, Raheja Chambers, Ground Floor, Nariman Point, Mumbai – 400021, Maharashtra, India

kamalax_saraf@hotmail.com

Nature of description of the instrument creating or modifying the charge

No instrument. memorandum of entry (recording extension of equitable mortgage by giving oral assent for constructive delivery of title deeds already deposited with SBI)

Date of instrument Creating the charge

28.11.2011

Amount secured by the charge

Rs.367.100 Millions

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

Rate of Interest

As per sanction terms

 

Terms of Repayment

As per sanction terms

 

Margin

As per sanction terms

 

Extent and Operation of the charge

As per sanction terms

Short particulars of the property charged

All present and future goods, book debts and all other movable assets of the borrower including documents of title to goods and other assets, such as book-debts outstanding moneys, receivables, including receivables by way of cash assistance and/or cash incentives under the cash incentive scheme or any other scheme, claims, including claims by way of refund of customs/ excise duties under the duty drawback credit scheme, or any other scheme bills, invoices, documents, contracts, insurance policies, guarantees, engagements, securities, investments and rights and the present and future machineries belonging to or under the control of the company, wherever lying stored and kept whether in India or elsewhere including such goods and other movable assets in course of transit/ shipment/ delivery.

Date of latest modification prior to the present modification

07.10.2011

Particulars of the present modification 

Now Present Modification.dt.28.11.2011 a Memo. of entry was executed by SBI, SBI acting as the agent of HDFC Bank and stated that the said oral assent was given with an  intent to create further security on the Immovable Property by way of constructive delivery for Extn. of E.M. as and by way of 1st pari passu charge to secure SBI limits from Rs. 314.300 Millions to Rs. 328.000 Millions and HDFC Bank limits of Rs.39.100 Millions Totalling to Rs.367.100 Millions

 

 

FIXED ASSETS:

 

·         Leasehold Land

·         Freehold Land

·         Bangalore Property

·         Building

·         Plant and Machinery

·         Dies and Moulds

·         Furniture and Fixture

·         Vehicles

·         Trade Mark

 

 

AS PER WEBSITE DETAILS

Company Profile

Fancy Fittings has moulded the choice of the discerning consumer across the globe while carving a niche for itself in the moulded plastic industry. In the year 1995, it evolved from a private limited company to a public limited company, under the guidance of the dynamic duo Jayant Parekh and late Kirit Shah, with a turnover of over 9.20 million USD Fancy Fittings has three manufacturing units located at Daman, a union territory of India.

A dedicated work force of qualified professionals, state-of-the art machinery and advanced technology assist in transcending the limits of visualization. Their impressive range of products and a customer base of more than 200 satisfied brands are a testimony to it. Quality is the fulcrum which reiterates the company ethos of maintaining high international standards. Fancy Fittings has emerged to be a synonym for dependability.

In the present age, where time is a premium, they meet deadlines without compromising on quality.

 

 


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.53.70

UK Pound

1

Rs.84.35

Euro

1

Rs.72.21

 

 

 

INFORMATION DETAILS

 

Report Prepared by :

SPR


 

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

5

--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

YES

--OTHER MERIT FACTORS

YES/NO

YES

TOTAL

 

49

 

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.