MIRA INFORM REPORT

 

 

Report Date :

09.07.2013

 

IDENTIFICATION DETAILS

 

Name :

TRIDENT PROPERTIES PRIVATE LIMITED

 

 

Registered Office :

8-2-408, Flat No D/1, Ground Floor, Sri Krishna Apartments, Road No.6, Banjara Hills, Hyderabad-500034, Andhra Pradesh 

 

 

Country :

India

 

 

Financials (as on) :

31.03.2012

 

 

Date of Incorporation :

27.08.2007

 

 

Com. Reg. No.:

01-055262

 

 

Capital Investment / Paid-up Capital :

Rs. 15.295 Millions

 

 

CIN No.:

[Company Identification No.]

U70102AP2007PTC055262

 

 

Legal Form :

Private Limited Liability Company

 

 

Line of Business :

Real Estate Builders and Developers

 

 

No. of Employees :

Not Available

 

 

 

RATING & COMMENTS

 

MIRA’s Rating :

B (36)

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Maximum Credit Limit :

USD 510000

 

 

Status :

Moderate

 

 

Payment Behaviour :

Slow But Correct

 

 

Litigation :

Clear

 

 

Comments :

Even though the company was incorporated in 2007, it started its core business activity from 2011. It is having a moderate track record. In its first year of business operation the company has performed well.

 

The net worth of the company seems to be good.

 

However, the market condition is unfavorable for real estate sector.

 

Trade relations are reported to be fair. Business is active. Payments are reported to be slow but correct.

 

The company can be considered for business dealings with some caution.  

 

Note: Current year profit and loss account is not available.

 

 

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 – March 31st, 2013

 

Country Name

Previous Rating

(31.12.2012)

Current Rating

(31.03.2013)

India

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

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 :

8-2-408, Flat No D/1, Ground Floor, Sri Krishna Apartments, Road No.6, Banjara Hills, Hyderabad-500034, Andhra Pradesh, India  

Tel. No.:

91-40-23351604

Fax No.:

91-40-23351602

E-Mail :

info@tridentproperties.co.in

marketing@tridentproperties.co.in

Website :

www.tridentproperties.co.in

 

 

DIRECTORS

 

AS ON 29.09.2012

 

Name :

Mr. Bijaykumar Mandhani

Designation :

Director

Address :

6-3-856/A, Green Lands, Sadat Manzil Colony, Ameerpet, Hyderabad-500016, Andhra Pradesh, India 

Date of Birth/Age :

27.03.1959

Date of Appointment :

27.08.2007

DIN No.:

00543942

 

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

U63040AP1992PTC013775

MANDHANI CARRIERS PRIVATE LIMITED

Director

29-01-92

29-01-92

16-11-10

Active

NO

2

U23209AP1992PLC013774

MAHESWARI BROTHERS COAL LIMITED

Director

29-01-92

29-01-92

26-10-10

Active

NO

3

U65910AP1996PLC024390

MAHESWARI FINSTOCK LIMITED

Director

19-06-96

19-06-96

-

Active

NO

4

U65990AP1996PLC024394

MANDHANI SECURITIES LIMITED

Director

20-06-96

20-06-96

-

Active

YES

5

U10102DL1998PTC094328

GLOBAL COAL AND MINING PRIVATE LIMITED

Director

25-03-00

25-03-00

-

Active

NO

6

U72200AP1996PTC051403

SATSOFT (INDIA) PRIVATE LIMITED

Director

30-06-05

30-06-05

12-05-12

Active

NO

7

U45201AP2001PTC036533

OORJITA PROJECTS PRIVATE LIMITED

Director

29-09-06

29-09-06

25-06-11

Active

NO

8

U45200AP2006PTC051705

BIJMAN PROJECTS PRIVATE LIMITED

Director

17-11-06

17-11-06

-

Active

NO

9

U24119OR1974PLC000616

ORICHEM LIMITED

Director

03-05-07

03-05-07

-

Active

NO

10

U55101AP2007PTC054788

CLARIVISTA HOTELS INDIA PRIVATELIMITED

Director

12-07-07

12-07-07

-

Active

NO

11

U70102AP2007PTC055262

TRIDENT PROPERTIES PRIVATE LIMITED

Whole-time director

01-10-11

27-08-07

-

Active

NO

12

U45201OR2008PTC009766

TRIDENT PROPERTIES ORISSA PRIVATE LIMITED

Director

24-01-08

24-01-08

-

Active

NO

13

U34103AP2008PTC059567

KANNA MOTOR PRIVATE LIMITED

Director

09-06-08

09-06-08

05-08-08

Active

YES

14

U14200AP2009PTC063274

MAHESWARI MINING AND ENERGY PRIVATE LIMITED

Director

03-04-09

03-04-09

-

Active

NO

15

U65190AP2009PTC064578

MAHESWARI BROTHERS HOLDINGS PRIVATE LIMITED

Director

31-07-09

31-07-09

-

Active

NO

 

 

Name :

Mr. Prakash Veer

Designation :

Director

Address :

6-3-856/A, Green Lands, Sadat Manzil Colony, Ameerpet, Hyderabad-500016, Andhra Pradesh, India 

Date of Birth/Age :

21.05.1964

Date of Appointment :

27.08.2007

DIN No.:

01626178

 

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

U45201AP2001PTC036533

OORJITA PROJECTS PRIVATE LIMITED

Managing director

04-04-01

04-04-01

-

Active

NO

2

U70102AP2005PTC047251

OORJITA BUILDERS AND DEVELOPERS PRIVATE LIMITED

Director

10-09-09

26-08-05

16-03-11

Active

NO

3

U55101AP2007PTC054788

CLARIVISTA HOTELS INDIA PRIVATELIMITED

Director

12-07-07

12-07-07

-

Active

NO

4

U70102AP2007PTC055262

TRIDENT PROPERTIES PRIVATE LIMITED

Managing director

01-03-08

27-08-07

-

Active

NO

5

U45201OR2008PTC009766

TRIDENT PROPERTIES ORISSA PRIVATE LIMITED

Director

24-01-08

24-01-08

-

Active

NO

6

U15209OR2000PTC006052

SURYAMUKHI RESORTS PRIVATE LIMITED

Director

01-03-12

01-03-12

08-04-13

Active

NO

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

AS ON 29.09.2012

 

Names of Shareholders

No. of Shares

Prakash Veer

139496

Bijay Kumar Mandhani

5000

Oorjita Projects Private Limited, India 

835000

Wrinkle Vyapaar Private Limited, India

355000

Panchakshariah Talluri

150000

Bimco Enterprises Private Limited, India

15000

Silcon Hotel Private Limited, India

15000

Rakisa Garments Private Limited, India

15000

Naveli Jaju

1

Saloni Jaju

1

Santosh Kumar Rathi

1

Santosh Rathi HUF

1

TOTAL

1529500

 

 

AS ON 15.12.2012

 

Names of Shareholders

No. of Shares

Bijay Kumar Mandhani

420000

TOTAL

420000

 

 

AS ON 29.09.2012

 

Equity Shares Break Up

Percentage of Holding

Bodies corporate

80.74

Directors or relatives of Directors

9.45

Others

9.81

TOTAL

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Real Estate Builders and Developers

 

 

GENERAL INFORMATION

 

No. of Employees :

Not Available

 

 

Bankers :

  • State Bank of India
  • The Karur Vysya Bank Limited, 168 B, Prasanti, Sishubhawan Chowk, Bapuji Nagar, Bhubaneswar-751009, Orissa, India 
  • HDFC Bank
  • Axis Bank

 

 

Facilities :

Secured Loan

 

Rs. In Millions

31.03.2012

Rs. In Millions

31.03.2011

Long Term Borrowings

 

 

Reliance Capital Limited (Car Loan)

0.000

0.077

Reliance Capital Limited (JCB Loan)

1.133

0.000

KVB – Car Loan

0.000

0.283

KVB – Batching Point

2.868

0.000

KVB – Bolero

0.434

0.000

KVB – Tipper

0.906

0.000

TATA Capital

0.520

0.636

Bank CC (State Bank of India)

0.000

73.297

Tata Capital – Vinto

0.750

0.000

 

 

 

TOTAL

6.611

74.293

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

M Srinivasulu Reddy and Associates

Chartered Accountant

Address :

Flat No.404, Sandhya Enclave, Sai Baba Temple Road, Punjagutta, Hyderabad-500082, Andhra Pradesh, India

PAN No.:

ACAPM9624J

 

 

Holding Company :

Oorjita Projects Private Limited

CIN No.:- U45201AP2001PTC036533

 

 

CAPITAL STRUCTURE

 

AS ON 31.03.2012

 

Authorised Capital :

 

No. of Shares

Type

Value

Amount

 

 

 

 

5000000

Equity Shares

Rs.10/- each

Rs. 50.000 Millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

 

No. of Shares

Type

Value

Amount

 

 

 

 

1529500

Equity Shares

Rs.10/- each

Rs. 15.295 Millions

 

 

 

 

 

AS ON 29.09.2012

 

Authorised Capital :

 

No. of Shares

Type

Value

Amount

 

 

 

 

5000000

Equity Shares

Rs.10/- each

Rs. 50.000 Millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

 

No. of Shares

Type

Value

Amount

 

 

 

 

1949500

Equity Shares

Rs.10/- each

Rs. 19.495 Millions

 

 

 

 

 


 

FINANCIAL DATA

[all figures are in Rupees Millions]

 

ABRIDGED BALANCE SHEET

 

SOURCES OF FUNDS

 

 

31.03.2012

31.03.2011

I.              EQUITY AND LIABILITIES

 

 

 

(1)Shareholders' Funds

 

 

 

(a) Share Capital

 

15.295

15.295

(b) Reserves & Surplus

 

55.524

48.514

(c) Money received against share warrants

 

0.000

0.000

 

 

 

 

(2) Share Application money pending allotment

 

57.740

68.190

Total Shareholders’ Funds (1) + (2)

 

128.559

131.999

 

 

 

 

(3) Non-Current Liabilities

 

 

 

(a) long-term borrowings

 

10.724

74.293

(b) Deferred tax liabilities (Net)

 

0.000

0.000

(c) Other long term liabilities

 

0.000

0.000

(d) long-term provisions

 

0.000

0.000

Total Non-current Liabilities (3)

 

10.724

74.293

 

 

 

 

(4) Current Liabilities

 

 

 

(a) Short term borrowings

 

0.000

0.000

(b) Trade payables

 

0.000

0.000

(c) Other current liabilities

 

15.243

57.136

(d) Short-term provisions

 

2.828

0.034

Total Current Liabilities (4)

 

18.071

57.170

 

 

 

 

TOTAL

 

157.354

263.462

 

 

 

 

II.          ASSETS

 

 

 

(1) Non-current assets

 

 

 

(a) Fixed Assets

 

 

 

(i) Tangible assets

 

19.960

4.846

(ii) Intangible Assets

 

0.000

0.000

(iii) Capital work-in-progress

 

0.000

0.000

(b) Non-current Investments

 

0.000

0.000

(c) Deferred tax assets (net)

 

0.050

0.142

(d)  Long-term Loan and Advances

 

0.000

0.000

(e) Other Non-current assets

 

0.000

2.309

Total Non-Current Assets

 

20.010

7.297

 

 

 

 

(2) Current assets

 

 

 

(a) Current investments

 

0.090

0.090

(b) Inventories

 

0.394

181.020

(c) Trade receivables

 

25.446

0.000

(d) Cash and cash equivalents

 

7.421

5.949

(e) Short-term loans and advances

 

82.388

45.956

(f) Other current assets

 

21.605

23.150

Total Current Assets

 

137.344

256.165

 

 

 

 

TOTAL

 

157.354

263.462

 

 

SOURCES OF FUNDS

 

 

 

31.03.2010

SHAREHOLDERS FUNDS

 

 

 

1] Share Capital

 

 

15.295

2] Share Application Money

 

 

16.640

3] Reserves & Surplus

 

 

49.500

4] (Accumulated Losses)

 

 

(1.086)

NETWORTH

 

 

80.349

LOAN FUNDS

 

 

 

1] Secured Loans

 

 

43.945

2] Unsecured Loans

 

 

1.500

TOTAL BORROWING

 

 

45.445

DEFERRED TAX LIABILITIES

 

 

0.000

 

 

 

 

TOTAL

 

 

125.794

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

 

 

2.320

Capital work-in-progress

 

 

0.000

 

 

 

 

INVESTMENT

 

 

4.890

DEFERREX TAX ASSETS

 

 

0.071

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

 

 

0.000

 

Sundry Debtors

 

 

0.000

 

Cash & Bank Balances

 

 

0.020

 

Other Current Assets

 

 

86.257

 

Loans & Advances

 

 

42.921

Total Current Assets

 

 

129.198

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Sundry Creditors

 

 

2.359

 

Other Current Liabilities

 

 

9.607

 

Provisions

 

 

0.037

Total Current Liabilities

 

 

12.003

Net Current Assets

 

 

117.195

 

 

 

 

MISCELLANEOUS EXPENSES

 

 

1.318

 

 

 

 

TOTAL

 

 

125.794

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

 

 

31.03.2011

31.03.2010

 

SALES

 

 

 

 

 

Interest Income on FD’s

 

0.029

0.027

 

 

Closing Work in Progress

 

181.020

86.257

 

 

TOTAL                                    

 

181.049

86.284

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Opening Work in Progress

 

86.206

29.122

 

 

Direct Expenses

 

94.814

57.135

 

 

Operating and Administrative Expenses

 

0.000

0.039

 

 

TOTAL                                    

 

181.020

86.296

 

 

 

 

 

 

PROFIT / (LOSS) BEFORE TAX, DEPRECIATION AND AMORTISATION

 

0.029

(0.012)

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                    

 

0.000

0.606

 

 

 

 

 

 

PROFIT / (LOSS) BEFORE TAX

 

0.029

(0.618)

 

 

 

 

 

Less

TAX                                                                 

 

(0.071)

(0.050)

 

 

 

 

 

 

PROFIT / (LOSS) AFTER TAX

 

0.100

(0.568)

 

 

 

 

 

Add

PREVIOUS YEARS’ BALANCE BROUGHT FORWARD

 

(1.086)

(0.518)

 

 

 

 

 

 

BALANCE CARRIED TO THE B/S

 

(0.986)

(1.086)

 

 

 

 

 

 

Earnings / (Loss) Per Share (Rs.)

 

0.07

--

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2012

31.03.2011

31.03.2010

PAT / Total Income

(%)

NA

0.06

(0.66)

 

 

 

 

 

Net Profit Margin

(PBT/Sales)

(%)

NA

100.00

(2288.89)

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

NA

0.01

(0.47)

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

NA

0.00

0.00

 

 

 

 

 

Debt Equity Ratio

(Total Debt /Networth)

 

0.08

0.56

0.57

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

7.60

4.48

10.76

 

 

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 two years

Yes

12]

Profitability for last two 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

 

 

Unsecured Loan

 

Rs. In Millions

31.03.2012

Rs. In Millions

31.03.2011

Long Term Borrowings

 

 

Naveli Jaju

0.543

0.000

Saloni Jaju

0.543

0.000

Santosh Kumar Rathi

0.404

0.000

Santosh Kumar Rathi HUF

2.623

0.000

 

 

 

TOTAL

4.113

0.000

 

NOTE

 

Registered office has been shifted from 6-3-586/A, Sadat Manzil Colony, Green Lands, Hyderabad, Andhra Pradesh, India to the present address w.e.f. 03.03.2008.

 

 

APPRAISAL OF OPERATIONS

 

During the year the company has commenced the operations.

 

 

FORM 8

 

Corporate identity number of the company

U70102AP2007PTC055262

Name of the company

TRIDENT PROPERTIES PRIVATE LIMITED

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

8-2-408, Flat No D/1, Ground Floor, Sri Krishna Apartments, Road No.6, Banjara Hills, Hyderabad-500034, Andhra Pradesh, India  

This form is for

Modification of charge

Charge identification number of the charge to be modified

10405439

Type of charge

  • Immovable property
  • Movable property (not being pledge)

Particular of charge holder

The Karur Vysya Bank Limited, 168 B, Prasanti, Sishubhawan Chowk, Bapuji Nagar, Bhubaneswar-751009, Orissa, India 

Nature of instrument creating charge

1- Term Loan Agreement (Machinery).

2- EM- 16.

Date of instrument Creating the charge

24.04.2013

Amount secured by the charge

Rs. 3.900 Millions

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

Rate of interest

Interest @ 3.50% over the Base Rate of the Bank, subject to a minimum of 14.50% p.a.

 

Terms of repayment

The Term Loan Limit of Rs. 3.900 Millions is repayable in 60 EMIs of Rs. 0.091 Million each.

 

Margin

25%

 

Extent and operation of the charge

1st and exclusive Charge over hypothecation on 2 nos. of Schwing Stetter India Private Limited make Batching Plants (Concrete Machines) to secure the Term Loan Limit of Rs. 3.900 Millions. The Charge also collaterally secured by Additional EM Charge on landed property at Khata No. 91, Mutation Khata No. 456/514, Plot No. 1784, Extent of Ac. 0.430 dec, Mouza- Paikarapur, Bhubaneswar standing in the name of the Company.

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

Primary Security:

Hypothecation on 2 nos. of Schwing Stetter India Private Limited, make Batching Plants (Concrete Machines).

 

Collateral Security:

Additional EM Charge on landed property at Khata No. 91, Mutation Khata No. 456/514, Plot No. 1784, Extent of Ac. 0.430 dec, Mouza- Paikarapur, Bhubaneswar standing in the name of the Company.

Date of instrument modifying the charge

30.01.2013

Particulars of the present modification

By this present modification the Term Loan Limit remains same at Rs. 3.900 Millions however a fresh document has been executed in respect of the above Term Loan.

 

 

FIXED ASSETS

 

  • Car
  • Coffee Vending Machine
  • Computers
  • Concrete Mixer
  • Locker
  • Lift
  • Electrical
  • Furniture and Fixtures
  • Loose Note Counting Machine
  • Office Equipment
  • Phones and Mobiles
  • Scooter
  • UPS
  • Vibrator
  • Pump Set
  • Water Purifier
  • Xerox Machine
  • Air Conditioner

 

 

 

 


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. 61.04

UK Pound

1

Rs. 90.89

Euro

1

Rs. 78.27

 

 

INFORMATION DETAILS

 

Report Prepared by :

DPT


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

4

PAID-UP CAPITAL

1~10

4

OPERATING SCALE

1~10

4

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

4

--PROFITABILIRY

1~10

4

--LIQUIDITY

1~10

4

--LEVERAGE

1~10

4

--RESERVES

1~10

4

--CREDIT LINES

1~10

4

--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

 

36

 

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.