|
Report Date : |
24.06.2013 |
IDENTIFICATION DETAILS
|
Name : |
CHABRIA INFOTECH PRIVATE LIMITED |
|
|
|
|
Registered
Office : |
209, A.J.C. Bose Road, 2nd Floor, Room No.88, P S
Beniapukur, Kolkata – 700017, |
|
|
|
|
Country : |
|
|
|
|
|
Financials (as
on) : |
31.03.2012 |
|
|
|
|
Date of
Incorporation : |
25.02.1997 |
|
|
|
|
Com. Reg. No.: |
21-083056 |
|
|
|
|
Capital
Investment/ Paid-up Capital: |
Rs.4.500
Millions |
|
|
|
|
CIN No.: [Company Identification
No.] |
U72200WB1997PTC083056 |
|
|
|
|
TAN No.: [Tax Deduction &
Collection Account No.] |
CALC03131C |
|
|
|
|
PAN No.: [Permanent Account No.] |
AABCC0448C |
|
|
|
|
Legal Form : |
Private Limited Liability Company |
|
|
|
|
Line of Business
: |
Providing IT Services. |
|
|
|
|
No. of
Employees: |
Not Available |
RATING & COMMENTS
|
MIRA’s Rating : |
Ba (42) |
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
41-55 |
Ba |
Overall operation is considered normal. Capable to meet normal
commitments. |
Satisfactory |
|
Maximum Credit Limit : |
USD 75300 |
|
|
|
|
Status : |
Satisfactory |
|
|
|
|
Payment Behaviour : |
Slow but correct |
|
|
|
|
Litigation : |
Clear |
|
|
|
|
Comments : |
Subject is an established company having a satisfactory track record.
The profitability appears to be low. However, trade relations are reported as
fair. Business is active. Payments are reported to be slow but correct. The company can be considered normal for business dealings at usual
trade terms and conditions. |
NOTES :
Any query related to this report can be made
on e-mail : infodept@mirainform.com
while quoting report number, name and date.
ECGC Country Risk Classification List – 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 : |
209, A.J.C. Bose Road, 2nd Floor, Room No.88, P S
Beniapukur, Kolkata – 700017, West |
|
Tel. No.: |
91-33-22803375/ 22803376/ 22802304 |
|
Fax No.: |
91-33-22810883 |
|
E-Mail : |
DIRECTORS
AS ON 30.09.2012
|
Name : |
Mrs. Deepa Chabria |
|
Designation : |
Director |
|
Address : |
34/1Y, Ballygunge, |
|
Date of Birth/Age : |
08.02.1970 |
|
Date of Appointment : |
25.02.1997 |
|
Election Commission Identity Card No.: |
146156220 |
|
Din No.: |
00691141 |
|
|
|
|
Name : |
Mr. Hemant Chabria |
|
Designation : |
Director |
|
Address : |
34/1Y, Ballygunge, |
|
Date of Birth/Age : |
01.03.1970 |
|
Date of Appointment : |
25.02.1997 |
|
Election Commission Identity Card No.: |
146156219 |
|
Din No.: |
00691176 |
MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN
AS ON 30.09.2012
|
Names of Shareholders |
|
No. of Shares |
|
Hemant Chabria |
|
35980 |
|
Deepa Chabria |
|
9020 |
|
|
|
|
|
TOTAL
|
|
45000 |
AS ON 30.09.2012
|
Equity Share Breakup |
|
Percentage of Holding |
|
Category |
|
|
|
Directors
or relatives of directors |
|
100.00 |
BUSINESS DETAILS
|
Line of Business : |
Providing IT Services. |
GENERAL INFORMATION
|
Customers : |
·
Ministry of Communication and Information
Technology ·
Bhushan Limited ·
C.E.S.C. Limited ·
National Bank for Agriculture and Rural
Development ·
Tata Teleservices Limited ·
Techno Electric and Engineering Company Limited ·
Allahabad Bank ·
Apeejay School ·
Ambuja Cement Eastern Limited ·
Bengal Ambuja Housing Development Limited ·
Lodha and Company ·
Tata International Limited ·
TCG Software Services Private Limited ·
Tezpore Tea Company Limited |
||||||||||||||||||||||||
|
|
|
||||||||||||||||||||||||
|
No. of Employees : |
Not Available |
||||||||||||||||||||||||
|
|
|
||||||||||||||||||||||||
|
Bankers : |
·
Standard Chartered Bank, Branch N.S. Road,
Kolkata – 700001, west Bengal, India ·
Axis Bank Limited, Knkurgachi Branch, P.35, C.I.T.
Scheme VII (H), Manicktala, Main Road, Kolkata – 700008, West Bengal, India ·
Yes
Bank Limited, 9th Floor, Nehru Centre, Discovery of India, Dr. Annie Besant
Road, Worli, Mumbai – 400018, Maharashtra, India ·
Punjab National Bank |
||||||||||||||||||||||||
|
|
|
||||||||||||||||||||||||
|
Facilities : |
|
|
|
|
|
Banking
Relations : |
-- |
|
|
|
|
Auditors : |
|
|
Name : |
Kushal Kumar Mondal and Company Chartered Accountants |
|
Address : |
P.O. Kanyanagar, 2nd Floor, D.H. Road, opposite B.P. Petrol
Pump, Amtala, South 24 PGS – 743398, West Bengal, India |
|
Tel. No.: |
91-33-24709870 |
|
PAN No: |
AGLPM7397K |
CAPITAL STRUCTURE
AS ON 31.03.2012
Authorised Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
50000 |
Equity Shares |
Rs.100/- each |
Rs.5.000 Millions |
Issued, Subscribed & Paid-up Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
45000 |
Equity Shares |
Rs.100/-
each |
Rs.4.500
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 |
|
4.500 |
4.500 |
|
(b) Reserves & Surplus |
|
14.338 |
12.653 |
|
(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) |
|
18.838 |
17.153 |
|
|
|
|
|
|
(3) Non-Current
Liabilities |
|
|
|
|
(a) long-term
borrowings |
|
1.378 |
4.681 |
|
(b) Deferred tax liabilities (Net) |
|
0.120 |
0.120 |
|
(c) Other long
term liabilities |
|
0.000 |
0.000 |
|
(d) long-term
provisions |
|
0.000 |
0.000 |
|
Total Non-current
Liabilities (3) |
|
1.498 |
4.801 |
|
|
|
|
|
|
(4) Current Liabilities |
|
|
|
|
(a)
Short term borrowings |
|
32.795 |
31.863 |
|
(b) Trade
payables |
|
47.511 |
50.602 |
|
(c)
Other current liabilities |
|
3.239 |
2.297 |
|
(d) Short-term
provisions |
|
(7.238) |
(5.259) |
|
Total Current
Liabilities (4) |
|
76.307 |
79.503 |
|
|
|
|
|
|
TOTAL |
|
96.643 |
101.457 |
|
|
|
|
|
|
II.
ASSETS |
|
|
|
|
(1) Non-current assets |
|
|
|
|
(a)
Fixed Assets |
|
|
|
|
(i)
Tangible assets |
|
10.571 |
11.600 |
|
(ii)
Intangible Assets |
|
0.142 |
0.236 |
|
(iii)
Capital work-in-progress |
|
0.000 |
0.000 |
|
(iv) Intangible assets under development |
|
0.000 |
0.000 |
|
(b) Non-current
Investments |
|
0.000 |
0.000 |
|
(c) Deferred tax
assets (net) |
|
0.000 |
0.000 |
|
(d) Long-term Loan and Advances |
|
0.000 |
0.000 |
|
(e) Other
Non-current assets |
|
0.880 |
1.233 |
|
Total Non-Current
Assets |
|
11.593 |
13.069 |
|
|
|
|
|
|
(2) Current assets |
|
|
|
|
(a)
Current investments |
|
0.000 |
0.000 |
|
(b)
Inventories |
|
12.551 |
14.835 |
|
(c)
Trade receivables |
|
61.016 |
64.461 |
|
(d) Cash
and cash equivalents |
|
3.684 |
2.320 |
|
(e)
Short-term loans and advances |
|
7.799 |
6.772 |
|
(f)
Other current assets |
|
0.000 |
0.000 |
|
Total
Current Assets |
|
85.050 |
88.388 |
|
|
|
|
|
|
TOTAL |
|
96.643 |
101.457 |
|
SOURCES OF FUNDS |
|
|
31.03.2010 |
|
|
SHAREHOLDERS FUNDS |
|
|
|
|
|
1] Share Capital |
|
|
4.500 |
|
|
2] Share Application Money |
|
|
0.000 |
|
|
3] Reserves & Surplus |
|
|
11.137 |
|
|
4] (Accumulated Losses) |
|
|
0.000 |
|
|
NETWORTH |
|
|
15.637 |
|
|
LOAN FUNDS |
|
|
|
|
|
1] Secured Loans |
|
|
29.940 |
|
|
2] Unsecured Loans |
|
|
0.000 |
|
|
TOTAL BORROWING |
|
|
29.940 |
|
|
DEFERRED TAX LIABILITIES |
|
|
0.119 |
|
|
|
|
|
|
|
|
TOTAL |
|
|
45.696 |
|
|
|
|
|
|
|
|
APPLICATION OF FUNDS |
|
|
|
|
|
|
|
|
|
|
|
FIXED ASSETS [Net Block] |
|
|
13.067 |
|
|
Capital work-in-progress |
|
|
0.000 |
|
|
|
|
|
|
|
|
INVESTMENT |
|
|
0.000 |
|
|
DEFERREX TAX ASSETS |
|
|
0.000 |
|
|
|
|
|
|
|
|
CURRENT ASSETS, LOANS & ADVANCES |
|
|
|
|
|
|
Inventories |
|
|
13.629
|
|
|
Sundry Debtors |
|
|
38.963
|
|
|
Cash & Bank Balances |
|
|
7.665
|
|
|
Other Current Assets |
|
|
0.000
|
|
|
Loans & Advances |
|
|
9.578
|
|
Total
Current Assets |
|
|
69.835 |
|
|
Less : CURRENT
LIABILITIES & PROVISIONS |
|
|
|
|
|
|
Sundry Creditors |
|
|
27.091 |
|
|
Other Current Liabilities |
|
|
7.218
|
|
|
Provisions |
|
|
2.897
|
|
Total
Current Liabilities |
|
|
37.206
|
|
|
Net Current Assets |
|
|
32.629
|
|
|
|
|
|
|
|
|
MISCELLANEOUS EXPENSES |
|
|
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
|
|
45.696 |
|
PROFIT & LOSS
ACCOUNT
|
|
PARTICULARS |
31.03.2012 |
31.03.2011 |
31.03.2010 |
|
|
|
SALES |
|
|
|
|
|
|
|
Income |
295.810 |
238.178 |
191.289 |
|
|
|
Other Income |
NA |
NA |
NA |
|
|
|
TOTAL |
NA |
NA |
NA |
|
|
|
|
|
|
|
|
Less |
EXPENSES |
|
|
|
|
|
|
|
TOTAL |
NA |
NA |
NA |
|
|
|
|
|
|
|
|
|
PROFIT / (LOSS)
BEFORE TAX |
2.405 |
2.185 |
2.040 |
|
|
|
|
|
|
|
|
|
Less |
TAX |
0.720 |
0.669 |
0.660 |
|
|
|
|
|
|
|
|
|
|
PROFIT / (LOSS)
AFTER TAX |
1.685 |
1.516 |
1.380 |
|
|
|
|
|
|
|
|
|
Add |
PREVIOUS
YEARS’ BALANCE BROUGHT FORWARD |
12.592 |
11.076 |
9.696 |
|
|
|
|
|
|
|
|
|
|
BALANCE CARRIED
TO THE B/S |
14.277 |
12.592 |
11.076 |
|
|
|
|
|
|
|
|
|
|
EARNINGS IN
FOREIGN CURRENCY |
|
|
|
|
|
|
|
Export Earnings |
1.459 |
0.249 |
0.466 |
|
|
|
|
|
|
|
|
|
Earnings /
(Loss) Per Share (Rs.) |
37.44 |
33.69 |
30.66 |
|
KEY RATIOS
|
PARTICULARS |
|
31.03.2012 |
31.03.2011 |
31.03.2010 |
|
Net Profit Margin (PBT/Sales) |
(%) |
0.81
|
0.92 |
1.07
|
|
|
|
|
|
|
|
Return on Total Assets (PBT/Total Assets} |
(%) |
2.49
|
2.15 |
2.46
|
|
|
|
|
|
|
|
Return on Investment (ROI) (PBT/Networth) |
|
0.13
|
0.13 |
0.13
|
|
|
|
|
|
|
|
Debt Equity Ratio (Total Debt/Networth) |
|
1.81
|
2.13 |
1.91
|
|
|
|
|
|
|
|
Current Ratio (Current Asset/Current Liability) |
|
1.11
|
1.11 |
1.87
|
LOCAL AGENCY FURTHER INFORMATION
|
Sr. No. |
Check List by Info
Agents |
Available in
Report (Yes / No) |
|
1] |
Year of Establishment |
Yes |
|
2] |
Locality of the firm |
Yes |
|
3] |
Constitutions of the firm |
Yes |
|
4] |
Premises details |
No |
|
5] |
Type of Business |
Yes |
|
6] |
Line of Business |
Yes |
|
7] |
Promoter's background |
Yes |
|
8] |
No. of employees |
No |
|
9] |
Name of person contacted |
No |
|
10] |
Designation of contact person |
No |
|
11] |
Turnover of firm for last three years |
Yes |
|
12] |
Profitability for last three years |
Yes |
|
13] |
Reasons for variation <> 20% |
-- |
|
14] |
Estimation for coming financial year |
No |
|
15] |
Capital in the business |
Yes |
|
16] |
Details of sister concerns |
No |
|
17] |
Major suppliers |
No |
|
18] |
Major customers |
Yes |
|
19] |
Payments terms |
No |
|
20] |
Export / Import details (if applicable) |
No |
|
21] |
Market information |
-- |
|
22] |
Litigations that the firm / promoter involved in |
-- |
|
23] |
Banking Details |
Yes |
|
24] |
Banking facility details |
Yes |
|
25] |
Conduct of the banking account |
-- |
|
26] |
Buyer visit details |
-- |
|
27] |
Financials, if provided |
Yes |
|
28] |
Incorporation details, if applicable |
Yes |
|
29] |
Last accounts filed at ROC |
Yes |
|
30] |
Major Shareholders, if available |
Yes |
|
31] |
PAN of Proprietor/Partner/Director, if available |
No |
|
32] |
Date
of Birth of Proprietor/Partner/Director, if available |
Yes |
|
33] |
Voter ID No of Proprietor/Partner/Director, if available |
No |
|
34] |
External Agency Rating, if available |
No |
BANKERS CHARGES
REPORT AS PER REGISTRY
|
This form is for |
Modification of
charge |
|
Charge
identification number of the modified |
10238310 |
|
Corporate
identity number of the company |
U72200WB1997PTC083056 |
|
Name of the
company |
CHABRIA INFOTECH
PRIVATE LIMITED |
|
Address of the
registered office or of the principal place of business in |
209, A.J.C. Bose Road, 2nd Floor, Room No.88, P S
Beniapukur, Kolkata – 700017, West |
|
Type of charge |
Book Debts Movable Property
[not being pledge] Floating Charge Others |
|
Particular of
charge holder |
Yes Bank Limited,
9th Floor, Nehru Centre, Discovery of India, Dr. Annie Besant Road, Worli,
Mumbai – 400018, Maharashtra, India Email: dlbbcadkol@yesbank.in |
|
Nature of
description of the instrument creating or modifying the charge |
Supplemental Deed
of hypothecation dated 04/03/2013. |
|
Date of
instrument Creating the charge |
04.03.2013 |
|
Amount secured by
the charge |
Rs.37.100
Millions |
|
Brief particulars
of the principal terms an conditions and extent and operation of the charge |
Rate of Interest CC-3%+YBLBR,CYBBR-10.50%,ROI-13.50% WCDL(sub limit of
CC)-2.50%+YBLBR,CYBBR-10.50%,ROI-13.00% BG (P/F) (sub
limit of CC)-1.25% P.A. TL-3.50%+YBLBR,CYBBR-10.50%,ROI-14.00% BG-1.25% P.A. Terms of Repayment CC- Repayable on
Demand WCDL(sub limit of
CC)-90 Days BG(P/F)(sub limit
of CC)-36 Months TL-42 Months BG-36 Months Margin CC-25% on Book
Debts(less than 90 Days old) plus stock minus Creditors. WCDL (sub limit
of CC)-25% on Book Debts(less than 90 Days old) plus stock minus Creditors. BG (P/F) (sub
limit of CC)-15% of the bank guarantee amount in the form of fixed deposits under
the lien of YBL. TL-NIL BG-20% in the
form of fixed Deposits to be kept under lien of YBL. Extent and Operation of the charge Exclusive Charge
on the Current Assets and Movable fixed Assets of the Borrower (Both Present
and Future). |
|
Short particulars
of the property charged |
Exclusive Charge
on the Current Assets and Movable fixed Assets of the Borrower(Both Present
and Future) |
|
Date of latest
modification prior to the present modification |
10.08.2011 |
|
Particulars of the
present modification |
1. Cash Credit
facility of Rs. 27.500 Millions has been converted into Main limit. 2. WCDL facility
of Rs. 27.500 Millions has been converted into sub Limit of CC. 3. Bank Guarantee
(P/F) of Rs. 2.500 Millions has been converted into sub Limit of CC. 4. Term Loan of
RS. 4600000 remains the same. 5. Additional
Bank Guarantee of Rs. 5.000 Millions has been provided. |
FIXED ASSETS:
·
Land and Building
·
Computer Machinery
·
Printer
·
Television
·
Scanner
·
Pager
·
Computer Software
·
Motor Bike
·
Office Equipments
·
Furniture
·
Cell Phone
·
Fax Machine
·
Generator
·
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,
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.59.35 |
|
|
1 |
Rs.92.11 |
|
Euro |
1 |
Rs.78.59 |
INFORMATION DETAILS
|
Report Prepared
by : |
TPT |
SCORE & RATING EXPLANATIONS
|
SCORE FACTORS |
RANGE |
POINTS |
|
HISTORY |
1~10 |
3 |
|
PAID-UP CAPITAL |
1~10 |
3 |
|
OPERATING SCALE |
1~10 |
6 |
|
FINANCIAL CONDITION |
|
|
|
--BUSINESS SCALE |
1~10 |
6 |
|
--PROFITABILIRY |
1~10 |
4 |
|
--LIQUIDITY |
1~10 |
5 |
|
--LEVERAGE |
1~10 |
5 |
|
--RESERVES |
1~10 |
5 |
|
--CREDIT LINES |
1~10 |
5 |
|
--MARGINS |
-5~5 |
-- |
|
DEMERIT POINTS |
|
|
|
--BANK CHARGES |
YES/NO |
YES |
|
--LITIGATION |
YES/NO |
NO |
|
--OTHER ADVERSE INFORMATION |
YES/NO |
NO |
|
MERIT POINTS |
|
|
|
--SOLE DISTRIBUTORSHIP |
YES/NO |
NO |
|
--EXPORT ACTIVITIES |
YES/NO |
NO |
|
--AFFILIATION |
YES/NO |
NO |
|
--LISTED |
YES/NO |
NO |
|
--OTHER MERIT FACTORS |
YES/NO |
YES |
|
--RBI |
YES/NO |
NO |
|
--EPF |
YES/NO |
NO |
|
TOTAL |
|
42 |
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 |
- |
This report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or
its officials.