MIRA INFORM REPORT

 

 

Report Date :

15.07.2013

 

IDENTIFICATION DETAILS

 

Name :

MUKKA SEA FOOD INDUSTRIES PRIVATE LIMITED

 

 

Registered Office :

1st Floor, Trinity Commercial Complex, Attavar, Mangalore – 570 001, Karnataka

 

 

Country :

India

 

 

Financials (as on) :

31.03.2012

 

 

Date of Incorporation :

04.11.2010

 

 

Com. Reg. No.:

08-055771

 

 

Capital Investment / Paid-up Capital :

Rs. 55.000 Millions

 

 

CIN No.:

[Company Identification No.]

U05004KA2010PTC055771

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

BLRM17034D

 

 

PAN No.:

[Permanent Account No.]

AAGCM8310E

 

 

Legal Form :

Private Limited Liability Company

 

 

Line of Business :

Manufacturer, Exporter and Importer of Fish Meal and Fish Oil.

 

 

No. of Employees :

110 (Approximately)

 

 

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 310000

 

 

Status :

Moderate

 

 

Payment Behaviour :

Slow But Correct

 

 

Litigation :

Clear

 

 

Comments :

Subject is a successor of “Mukka Sea Food Industries” a partnership concern started in the year 1960. It has a moderate track record. The financial situation of the company is moderate.

 

However, trade relations are reported as fair. Business is active. Payments are reported to be slow but correct.

 

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

 

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

 

 

EXTERNAL AGENCY RATING

 

Rating Agency Name

CRISIL

Rating

A4+ (Short Term Rating)

Rating Explanation

Minimal degree of safety and very high credit risk

Date

05.11.2012

 

 

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 PARTED BY

 

Name :

Mr. Mohammed Althaf Kalandan

Designation :

Director

Contact No.:

91-9845522899

Date :

12.07.2013

 

 

LOCATIONS

 

Registered Office / Corporate Office :

1st Floor, Trinity Commercial Complex, Attavar, Mangalore – 570 001, Karnataka, India

Tel. No.:

91-824-2420772/ 2426405

Mobile No.:

91-9845522899 (Mr. Mohammed Althaf Kalandan)

Fax No.:

91-824-2426405

E-Mail :

info@harismarine.com

Website :

www.harismarine.com

Area :

6000 Sq. Ft.

Location :

Owned

 

 

Factory :

Shasihitlu Road, Mukka, Mangalore - 575 021, Karnataka, India

Tel. No.:

91-824-2475372

 

 

DIRECTORS

 

AS ON 29.09.2012

 

Name :

Mr. Kalandan Abdul Razak

Designation :

Director

Address :

Umaiy Bagh, Yemmeekere, I Cross, Bolar, Mangalore-575001, Karnataka, India

Date of Birth/Age :

08.09.1943

Date of Appointment :

04.11.2010

PAN No.:

ABTPR1412K

DIN No.:

02530917

 

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

Company/ LLP Status

Defaulting status

1

U24231KA1980PTC003763

MEDIX PHARMACEUTICALS PRIVATE LIMITED

Director

15-04-06

15-04-06

Active

NO

2

U05004KA2010PTC055771

MUKKA SEA FOOD INDUSTRIES PRIVATE LIMITED

Director

04-11-10

04-11-10

Active

NO

3

U05004KA2012PTC065520

BLUEWAVE MARINE EXPORTS PRIVATE LIMITED

Managing director

23-08-12

23-08-12

Active

NO

 

 

Name :

Mr. Nachipadpu Abdulla Abdul Salam

Designation :

Director

Address :

Khazi Lane, Thalangara, Kasaragod, Kerala-671121, India

Date of Birth/Age :

23.07.1954

Date of Appointment :

04.11.2010

PAN No.:

ABIPA0456B

DIN No.:

02531058

 

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

U24231KA1980PTC003763

MEDIX PHARMACEUTICALS PRIVATE LIMITED

Director

15-04-06

15-04-06

-

Active

NO

2

U45201KA2010PTC053362

UMAYA DEVELOPERS PRIVATE LIMITED

Director

23-04-10

23-04-10

08-03-11

Active

NO

3

U05004KA2010PTC055771

MUKKA SEA FOOD INDUSTRIES PRIVATE LIMITED

Director

04-11-10

04-11-10

-

Active

NO

 

 

Name :

Mr. Kalandan Mohammed Haris

Designation :

Director

Address :

Umaiy Bagh, Yemmekere, 1st Corss Road, Bolar, Magalore-575001, Karnataka, India

Date of Birth/Age :

19.01.1975

Date of Appointment :

04.11.2010

DIN No.:

03020471

 

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

Company/ LLP Status

Defaulting status

1

U45201KA2010PTC053362

UMAYA DEVELOPERS PRIVATE LIMITED

Director

23-04-10

23-04-10

Active

NO

2

U05004KA2010PTC055771

MUKKA SEA FOOD INDUSTRIES PRIVATE LIMITED

Director

04-11-10

04-11-10

Active

NO

3

U05004KA2012PTC065520

BLUEWAVE MARINE EXPORTS PRIVATE LIMITED

Director

23-08-12

23-08-12

Active

NO

 

Name :

Mr. Mohammad Arif Kalandan

Designation :

Director

Address :

Umaiy Bagh, Yemmeekere, I Cross, Bolar, Mangalore-575001, Karnataka, India

Date of Birth/Age :

15.01.1975

Date of Appointment :

04.11.2010

DIN No.:

03020564

 

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

Company/ LLP Status

Defaulting status

1

U45201KA2010PTC053362

UMAYA DEVELOPERS PRIVATE LIMITED

Director

23-04-10

23-04-10

Active

NO

2

U05004KA2010PTC055771

MUKKA SEA FOOD INDUSTRIES PRIVATE LIMITED

Director

04-11-10

04-11-10

Active

NO

3

U05004KA2012PTC065520

BLUEWAVE MARINE EXPORTS PRIVATE LIMITED

Director

23-08-12

23-08-12

Active

NO

 

 

Name :

Mr. Unaiyya Banu

Designation :

Director

Address :

Umaiy Bagh, Yemmeekere, I Cross, Bolar, Mangalore-575001, Karnataka, India

Date of Birth/Age :

05.01.1958

Date of Appointment :

04.11.2010

PAN No.:

ANGPB5823R

DIN No.:

03051040

 

 

Name :

Mr. Abdul Sayed Nechipadappu Abdullakunhi Haji

Designation :

Director

Address :

Khazi Lane, Thalangara, Kasaragod, Kerala-671121, India

Date of Birth/Age :

04.04.1961

Date of Appointment :

04.11.2010

PAN No.:

AFEPA7123D

DIN No.:

03051069

 

 

Name :

Mr. Mohammed Althaf Kalandan

Designation :

Director

Address :

23-10-810, Umaiy Bagh, Yemmeekere, I Cross, Bolar, Mangalore-575001, Karnataka, India

Date of Birth/Age :

07.12.1979

Date of Appointment :

04.11.2010

PAN No.:

AGIPA6496J

DIN No.:

03051103

 

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

Company/ LLP Status

Defaulting status

1

U13100KA2005PTC036760

RAHI MINERALS INTERTRADE PRIVATE LIMITED

Director

13-07-05

13-07-05

Active

NO

2

U05004KA2010PTC055771

MUKKA SEA FOOD INDUSTRIES PRIVATE LIMITED

Director

04-11-10

04-11-10

Active

NO

3

U45201KA2010PTC053362

UMAYA DEVELOPERS PRIVATE LIMITED

Director

09-03-11

09-03-11

Active

NO

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

AS ON 29.09.2012

 

Names of Shareholders

No. of Shares

K. Mohammed Altaf

49250

K Abdul Razak

164180

Umaiy Banu

81280

N A Abdul Salam

155870

N A Abdul Sayed

78830

K Mohammed Haris

13510

K Mohammed Arief

7080

TOTAL

550000

 

AS ON 29.09.2012

 

Equity Shares Break Up

Percentage of Holding

Directors or relatives of Directors

100.00

TOTAL

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Manufacturer, Exporter and Importer of Fish Meal and Fish Oil.

 

 

Products :

  • Fish Meal
  • Fish Oil

 

 

Exports :

 

Products :

·         Fish Meal

·         Fish Oil

Countries :

·         Japan

·         Korea

 

 

Imports :

 

Products :

Machinery

Countries :

China

 

 

Terms :

 

Selling :

L/C, Cash, Credit

 

 

Purchasing :

L/C, Cash, Credit

 

 

GENERAL INFORMATION

 

Customers :

OEM’s

 

 

No. of Employees :

110 (Approximately)

 

 

Bankers :

·         Canara Bank, Branch Balmatta Road, Mangalore-575001, Karnataka, India

 

 

Facilities :

Secured Loan

 

Rs. In Millions

31.03.2012

Rs. In Millions

31.03.2011

Long Term Borrowings

 

 

Term Loans From Banks

12.334

6.812

Loans Taken for Vehicles

0.704

1.000

Short Term Borrowings

 

 

Loans Repayable on Demand from Banks

144.078

140.749

Loans Taken for Vehicles

0.000

0.326

 

 

 

TOTAL

157.116

148.887

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

Sheikh Abdulla and Company

Chartered Accountant

Address :

Church Building, Kodiabail, Mangalore-575003, Karnataka, India 

PAN No.:

ABIFS9089E

 

 

CAPITAL STRUCTURE

 

AS ON 31.03.2012

 

Authorised Capital :

 

No. of Shares

Type

Value

Amount

 

 

 

 

700000

Equity Shares

Rs.100/- each

Rs. 70.000 Millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

 

No. of Shares

Type

Value

Amount

 

 

 

 

550000

Equity Shares

Rs.100/- each

Rs. 55.000 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

 

55.000

55.000

(b) Reserves & Surplus

 

22.877

5.371

(c) Money received against share warrants

 

0.000

0.000

 

 

 

 

(2) Share Application money pending allotment

 

0.000

0.000

Total Shareholders’ Funds (1) + (2)

 

77.877

60.371

 

 

 

 

(3) Non-Current Liabilities

 

 

 

(a) long-term borrowings

 

47.278

20.732

(b) Deferred tax liabilities (Net)

 

4.738

0.866

(c) Other long term liabilities

 

0.000

0.000

(d) long-term provisions

 

0.000

0.000

Total Non-current Liabilities (3)

 

52.016

21.598

 

 

 

 

(4) Current Liabilities

 

 

 

(a) Short term borrowings

 

149.639

141.171

(b) Trade payables

 

66.157

247.636

(c) Other current liabilities

 

4.369

23.432

(d) Short-term provisions

 

7.086

4.383

Total Current Liabilities (4)

 

227.251

416.622

 

 

 

 

TOTAL

 

357.144

498.591

 

 

 

 

II.    ASSETS

 

 

 

(1) Non-current assets

 

 

 

(a) Fixed Assets

 

 

 

(i) Tangible assets

 

109.405

80.839

(ii) Intangible Assets

 

0.106

0.106

(iii) Capital work-in-progress

 

0.000

0.000

(b) Non-current Investments

 

17.122

30.956

(c) Deferred tax assets (net)

 

0.000

0.000

(d)  Long-term Loan and Advances

 

0.000

0.000

(e) Other Non-current assets

 

0.000

0.000

Total Non-Current Assets

 

126.633

111.901

 

 

 

 

(2) Current assets

 

 

 

(a) Current investments

 

0.000

0.000

(b) Inventories

 

40.125

47.667

(c) Trade receivables

 

167.960

330.805

(d) Cash and cash equivalents

 

0.470

0.435

(e) Short-term loans and advances

 

0.952

1.002

(f) Other current assets

 

21.004

6.781

Total Current Assets

 

230.511

386.690

 

 

 

 

TOTAL

 

357.144

498.591

 

 

SOURCES OF FUNDS

 

 

 

05.11.2010

SHAREHOLDERS FUNDS

 

 

 

1] Share Capital

 

 

0.100

2] Share Application Money

 

 

0.000

3] Reserves & Surplus

 

 

0.000

4] (Accumulated Losses)

 

 

0.000

NETWORTH

 

 

0.100

LOAN FUNDS

 

 

 

1] Secured Loans

 

 

0.000

2] Unsecured Loans

 

 

0.000

TOTAL BORROWING

 

 

0.000

DEFERRED TAX LIABILITIES

 

 

0.000

 

 

 

 

TOTAL

 

 

0.100

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

 

 

0.000

Capital work-in-progress

 

 

0.000

 

 

 

 

INVESTMENT

 

 

0.000

DEFERREX TAX ASSETS

 

 

0.000

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

 

 

0.000

 

Sundry Debtors

 

 

0.000

 

Cash & Bank Balances

 

 

0.000

 

Other Current Assets

 

 

0.000

 

Loans & Advances

 

 

0.000

Total Current Assets

 

 

0.000

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Sundry Creditors

 

 

0.000

 

Other Current Liabilities

 

 

0.000

 

Provisions

 

 

0.000

Total Current Liabilities

 

 

0.000

Net Current Assets

 

 

0.000

 

 

 

 

MISCELLANEOUS EXPENSES

 

 

0.000

OTHER ASSETS

 

 

0.100

 

 

 

 

TOTAL

 

 

0.100

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

 

 

31.03.2012

31.03.2011

 

 

 

 

 

 

NET PROFIT

 

17.505

5.371

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2012

31.03.2011

05.11.2010

Debt Equity Ratio

(Total Debt /Networth)

 

2.53

2.68

0.00

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

1.01

0.93

0.00

 

 

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

Yes

5]

Type of Business

Yes

6]

Line of Business

Yes

7]

Promoter's background

Yes

8]

No. of employees

Yes

9]

Name of person contacted

Yes

10]

Designation of contact person

Yes

11]

Turnover of firm for last three years

No

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

No

17]

Major suppliers

No

18]

Major customers

No

19]

Payments terms

Yes

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

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

Yes

33]

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

No

34]

External Agency Rating, if available

Yes

 

 

Unsecured Loan

 

Rs. In Millions

31.03.2012

Rs. In Millions

31.03.2011

Long Term Borrowings

 

 

Term Loans From Banks

3.377

0.000

Loans and Advances from Directors

21.734

0.000

Loans and Advances from Others

9.129

12.920

Short Term Borrowings

 

 

Loans Repayable on Demand from Banks

5.561

0.096

 

 

 

TOTAL

39.801

13.016

 

 

FINANCIAL PERFORMANCE

 

The Company incurred a net Profit of Rs. 17.505 Millions

 

 

FORM 8

 

Corporate identity number of the company

U05004KA2010PTC055771

Name of the company

MUKKA SEA FOOD INDUSTRIES PRIVATE LIMITED

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

1st Floor, Trinity Commercial Complex, Attavar, Mangalore – 570 001, Karnataka, India

 

This form is for

Modification of charge

Charge identification number of the charge to be modified

10280831

Type of charge

·         Immovable property

·         Book debts

·         Movable property (not being pledge)

Particular of charge holder

Canara Bank, Branch Balmatta Road, Mangalore-575001, Karnataka, India

Nature of instrument creating charge

Supplemental Common Hypothecation Agreement

Pronote

Date of instrument Creating the charge

07.05.2012

Amount secured by the charge

Rs. 350.000 Millions

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

Rate of interest

11% p a

 

Terms of repayment

NA

 

Margin

NA

 

Extent and operation of the charge

Charge operates to the extent of ADHOC PC/FDB limits of Rs. 20.000  Millions with a rate of interest at 11% p a

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

Hypothecation of stock

 

Details of other goods of supplemental agreement

Particulars of the present modification

ADHOC PC/FDB Limit Of Rs. 20.000 Millions

 

The Total Loan Amount Will Be Increased  From Existing Rs.330.000 Millions To Rs.350.000 Millions With ADHOC PC/FDB  Limit Of Rs.20.000 Millions

 

 

FIXED ASSETS

 

·         Land

·         Building

·         Plant and Machinery

·         Furniture and Fixtures

·         Computers

 

 

 


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. 59.89

UK Pound

1

Rs. 90.88

Euro

1

Rs. 78.32

 

 

INFORMATION DETAILS

 

Information Gathered by :

NYA

 

 

Report Prepared by :

DPT


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

6

PAID-UP CAPITAL

1~10

4

OPERATING SCALE

1~10

5

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

5

--PROFITABILIRY

1~10

4

--LIQUIDITY

1~10

3

--LEVERAGE

1~10

3

--RESERVES

1~10

3

--CREDIT LINES

1~10

3

--MARGINS

-5~5

--

DEMERIT POINTS

 

 

--BANK CHARGES

YES/NO

NO

--LITIGATION

YES/NO

NO

--OTHER ADVERSE INFORMATION

YES/NO

NO

MERIT POINTS

 

 

--SOLE DISTRIBUTORSHIP

YES/NO

NO

--EXPORT ACTIVITIES

YES/NO

YES

--AFFILIATION

YES/NO

NO

--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.