MIRA INFORM REPORT

 

 

Report Date :

28.06.2013

 

IDENTIFICATION DETAILS

 

Name :

FERROUS INFRASTRUCTURE PRIVATE LIMITED

 

 

Registered Office :

Khasra No.41/42/44/45, Seth Farms, Mehruli Gurgaon Road, Ghitorni, New Delhi – 110030

 

 

Country :

India

 

 

Financials (as on) :

31.03.2013 (Provisional)

 

 

Date of Incorporation :

02.02.2006

 

 

Com. Reg. No.:

55-145748

 

 

Capital Investment / Paid-up Capital :

Rs.15.000 Millions

 

 

CIN No.:

[Company Identification No.]

U45201DL2006PTC145748

 

 

Legal Form :

Private Limited Liability Company

 

 

Line of Business :

Construction and Development of Real Estate.

 

 

No. of Employees :

200 (Approximately)

 

 

RATING & COMMENTS

 

MIRA’s Rating :

B (31)

 

RATING

STATUS

PROPOSED CREDIT LINE

 

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

 

Status :

Moderate

 

 

Payment Behaviour :

Slow but correct

 

 

Litigation :

Clear

 

 

Comments :

Subject is an established company having a moderate track record.

 

It is engaged in real estate business.

 

The financial position of the company appears to be moderate. It has incurred loss during 2012. As per the provisional statement of 2013, it shows that the company achieved profits during 2013 with better growth in its total revenue.

 

However, our rating considers the audited and verified details of 2012.

 

Trade relations are fair. Business is active. Payment terms are 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

 

 

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. N. C. Jain

Designation :

General Manager (Finance)

Contact No.:

91-9810643612

Date :

27.06.2013

 

 

LOCATIONS

 

Registered Office :

Khasra No.41/42/44/45, Seth Farms, Mehruli Gurgaon Road, Ghitorni, New Delhi – 110030, India

Tel. No.:

Not Available

Mobile No.:

91-9810643612 (Mr. N. C. Jain)

91-9560680840 (Mr. Ankit Jha)

Fax No.:

Not Available

E-Mail :

ncjain@ferrousinfrastructure.com

ankitjha@ferrousinfrastructure.com

Website :

http://www.ferrousinfrastructure.com

Location :

Owned

 

 

Corporate Office :

1st Floor, Block-B, Vatika Towers, Main Golf Course Sector Road, Sector – 54, Gurgaon, Haryana, India

Tel. No.:

91-124-4625500 (100 Lines)

Fax No.:

91-124-4625555

E-Mail :

info@ferrousinfrastructure.com

 

 

Project Locations :

Sector 19, Daruherra, Haryana, India

 

 

DIRECTORS

 

(AS ON 29.09.2012)

 

Name :

Mr. Surender Kishan Seth

Designation :

Director

Address :

Seth Farms, Mehrauli Gurgaon Road, Ghitorni, New Delhi – 110048, India

Date of Birth/Age :

25.02.1945

Qualification :

Graduate 

Experience :

40 years

Date of Appointment :

02.02.2006

PAN No.:

AAAPS2878Q

DIN No.:

01382812

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

U74899DL1986PTC023410

FERROUS ALLOY FORGINGS PRIVATE LIMITED

Director

19/02/1986

19/02/1986

Active

NO

2

U27109DL1988PLC033318

FERROUS FORGINGS LIMITED

Director

26/09/1988

26/09/1988

Active

NO

3

U70102DL1988PTC033317

FERROUS TOWNSHIP PRIVATE LIMITED

Director

26/09/1988

26/09/1988

Active

NO

4

U45201DL2005PTC144085

TRIVENI-FERROUS INFRASTRUCTURE PRIVATE LIMITED

Director

27/12/2005

27/12/2005

Active

NO

5

U45201DL2006PTC145748

FERROUS INFRASTRUCTURE PRIVATE LIMITED

Director

02/02/2006

02/02/2006

Active

NO

6

U70102HR2008PTC038355

LAVISH HOUSING PRIVATE LIMITED

Director

18/09/2008

18/09/2008

Active

NO

7

U74120HR2008PTC038384

ERNEST HOUSING PRIVATE LIMITED

Director

24/09/2008

24/09/2008

Active

NO

8

U70102DL2006PTC146326

FERROUS LUXURY WORLD PRIVATE LIMITED

Director

31/01/2012

31/01/2012

Active

NO

9

U70109HR2012PTC047265

PRUDENTIAL LAND BASE PRIVATE LIMITED

Director

28/09/2012

28/09/2012

Active

NO

10

U74140DL2006PTC249103

M & S LANDBASE PRIVATE LIMITED

Additional director

26/11/2012

26/11/2012

Active

NO

 

 

Name :

Mr. Ashish Seth

Designation :

Chairman and Managing Director

Address :

Seth Farm Khasra 41/42/44/45, Mehrauli Gurgaon Road, Ghitorni, New Delhi – 110030, India

Date of Birth/Age :

08.05.1968

Qualification :

Honours Degree in Commerce

Experience :

10 years

Date of Appointment :

02.02.2006

PAN No.:

AAAPS9216L

DIN No.:

01382833

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

U27109DL1988PLC033318

FERROUS FORGINGS LIMITED

Director

26/09/1988

26/09/1988

-

Active

NO

2

U45201DL2005PTC144085

TRIVENI-FERROUS INFRASTRUCTURE PRIVATE LIMITED

Director

27/12/2005

27/12/2005

-

Active

NO

3

U70102DL1988PTC033317

FERROUS TOWNSHIP PRIVATE LIMITED

Director

25/01/2006

25/01/2006

-

Active

NO

4

U45201DL2006PTC145748

FERROUS INFRASTRUCTURE PRIVATE LIMITED

Director

02/02/2006

02/02/2006

-

Active

NO

5

U70102HR2008PTC038355

LAVISH HOUSING PRIVATE LIMITED

Director

18/09/2008

18/09/2008

-

Active

NO

6

U74120HR2008PTC038384

ERNEST HOUSING PRIVATE LIMITED

Director

24/09/2008

24/09/2008

-

Active

NO

7

U70102DL2006PTC146326

FERROUS LUXURY WORLD PRIVATE LIMITED

Director

31/01/2012

31/01/2012

21/05/2012

Active

NO

8

U74140DL2006PTC249103

M & S LANDBASE PRIVATE LIMITED

Director

01/09/2012

01/09/2012

15/03/2013

Active

NO

9

U70109HR2012PTC047265

PRUDENTIAL LAND BASE PRIVATE LIMITED

Director

28/09/2012

28/09/2012

-

Active

NO

 

 

KEY EXECUTIVES

 

Name :

Mr. N. C. Jain

Designation :

General Manager – Finance

Qualification :

Chartered Accountant

Experience :

Over 26 years of experience in FMCG/MNC, Leasing/Finance, IT and Real Estate sector.

 

 

Name :

Mr. Ashok Narula

Designation :

AGM -Purchase

Qualification :

B.Com

Experience :

Over 35 years of experience in the industry.

 

 

Name :

Mr. Amit Haryal

Designation :

AGM – Marketing (Daruhera)

Qualification :

B.A. (Economics)

Experience :

Over 11 years of experience in real estate industry

 

 

Name :

Mr. Vipin Singh

Designation :

AGM – Marketing (Faridabad)

Qualification :

MBA (Marketing)

Experience :

Over 8 years of experience in Banking and Real Estate Industry.

 

 

Name :

Mr. Balwan Singh

Designation :

AGM

Qualification :

Diploma in Civil Engineer

Experience :

Over 15 years of experience in Real Estate Indutry

 

 

Name :

Mr. Jagdev Singh Yadav

Designation :

General Manager

Qualification :

Diploma in Civil Engineer

Experience :

Over 13 years of experience.

 

 

Name :

Col. (Retd.) Rajinder Pahwa

Designation :

General Manager (Sources and Admin)

Qualification :

Post Graduate diploma in Computer Software Technologies

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

(AS ON 29.09.2012)

 

Names of Shareholders

No. of Shares

Percentage

 

 

 

Surender Seth

82500

55%

Ashish Seth

67500

45%

 

 

 

Total

 

150000

100.00%

 

(AS ON 30.09.2012)

Equity Shares Break – up

 

Category

 

 

Percentage

 

 

 

Directors or relatives of directors

 

100.00

 

 

 

Total

 

 

100.00

 


 

BUSINESS DETAILS

 

Line of Business :

Construction and Development of Real Estate.

 

 

Terms :

 

Selling :

Cash and Credit (30 days)

 

 

Purchasing :

Cash and Credit (30 days)

 

 

GENERAL INFORMATION

 

Customers :

Wholesalers and OEM’s

 

 

No. of Employees :

200 (Approximately)

 

 

Bankers :

·         ICICI Bank Limited

Gurgaon, Haryana, India

 

·         The Bank of Rajasthan Limited

17, Kachanar Marg, Qutab Enclave, Gurgaon – 122001, Haryana, India

 

 

Facilities :

Secured Loans

31.03.2013

(Provisional)

31.03.2012

 

(Rs. In Millions)

Long Term Borrowings

 

 

Term Loans

 

 

 From Other**

(** Secured by hypothecation of Car and Personal Guarantees of Directors)

3.380

5.763

 

 

 

Short Term Borrowings

 

 

From Banks

2.040

2.040

 

 

 

Total

 

5.420

7.803

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

Raju and Prasad

Chartered Accountants

Address :

A-20/20, DLF City, Gurgaon – 122001, Haryana, India

PAN No.:

AACFR2404H

 

 

Associates/Subsidiaries :

·         Ferrous Alloy Forgings Private Limited

·         Ferrous Forgings Limited

·         Ferrous Township Private Limited

·         Triveni-Ferrous Infrastructure Private Limited

·         Lavish Housing Private Limited

·         Ernest Housing Private Limited

·         Ferrous Luxury World Private Limited

·         Prudential Land Base Private Limited

·         M and S Landbase Private Limited

 

 

CAPITAL STRUCTURE

 

(AS ON 31.03.2013 - PROVISIONAL)

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

150000

Equity Shares

Rs.100/- each

Rs.15.000 Millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

150000

Equity Shares

Rs.100/- each

Rs.15.000 Millions

 

 

 

 

 

 


 

FINANCIAL DATA

[all figures are in Rupees Millions]

 

ABRIDGED BALANCE SHEET

 

SOURCES OF FUNDS

 

31.03.2013
(Provisional)

31.03.2012

31.03.2011

I.              EQUITY AND LIABILITIES

 

 

 

(1)Shareholders' Funds

 

 

 

(a) Share Capital

15.000

15.000

15.000

(b) Reserves & Surplus

28.915

5.342

26.792

(c) Money received against share warrants

0.000

0.000

0.000

 

 

 

 

(2) Share Application money pending allotment

0.000

0.000

0.000

Total Shareholders’ Funds (1)+(2)

43.915

20.342

41.792

 

 

 

 

(3) Non-Current Liabilities

 

 

 

(a) long-term borrowings

227.623

5.763

7.390

(b) Deferred tax liabilities (Net)

0.000

0.000

0.000

(c) Other long term liabilities

0.000

0.000

0.000

(d) long-term provisions

185.030

166.262

46.002

Total Non-current Liabilities (3)

412.653

172.025

53.392

 

 

 

 

(4) Current Liabilities

 

 

 

(a) Short term borrowings

14.875

157.936

83.135

(b) Trade payables

0.000

0.000

0.000

(c) Other current liabilities

590.727

966.300

814.143

(d) Short-term provisions

0.000

0.000

0.000

Total Current Liabilities (4)

605.602

1124.236

897.278

 

 

 

 

TOTAL

1062.170

1316.603

992.462

 

 

 

 

II.            ASSETS

 

 

 

(1) Non-current assets

 

 

 

(a) Fixed Assets

 

 

 

(i) Tangible assets

19.817

25.296

30.763

(ii) Intangible Assets

0.036

0.061

0.101

(iii) Capital work-in-progress

0.000

0.000

0.000

(iv) Intangible assets under development

0.000

0.000

0.000

(b) Non-current Investments

14.300

14.300

14.300

(c) Deferred tax assets (net)

2.322

1.656

1.080

(d)  Long-term Loan and Advances

0.000

0.000

0.000

(e) Other Non-current assets

0.000

0.000

0.045

Total Non-Current Assets

36.475

41.313

46.289

 

 

 

 

(2) Current assets

 

 

 

(a) Current investments

0.000

0.000

0.000

(b) Inventories

692.532

834.144

709.093

(c) Trade receivables

26.646

26.772

0.000

(d) Cash and cash equivalents

63.375

38.915

19.852

(e) Short-term loans and advances

243.142

375.459

217.228

(f) Other current assets

0.000

0.000

0.000

Total Current Assets

1025.695

1275.290

946.173

 

 

 

 

TOTAL

1062.170

1316.603

992.462

 

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

 

31.03.2013
(Provisional)

31.03.2012

31.03.2011

 

SALES

 

 

 

 

 

Revenue From Operations

724.135

531.041

395.481

 

 

Other Income

2.297

5.559

3.875

 

 

TOTAL                                     (A)

726.432

536.600

399.356

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Cost of Land and Construction

573.174

439.058

321.656

 

 

Employee Benefits Expenses

40.861

29.730

21.122

 

 

Other Expenses 

49.510

49.031

35.314

 

 

Exceptional Items

0.000

0.000

0.000

 

 

TOTAL                                     (B)

663.545

517.819

378.092

 

 

 

 

 

Less

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

62.887

18.781

21.264

 

 

 

 

 

Less

FINANCIAL EXPENSES                                    (D)

34.606

29.153

6.225

 

 

 

 

 

 

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

28.281

(10.372)

15.039

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                     (F)

5.374

6.686

6.222

 

 

 

 

 

 

PROFIT BEFORE TAX (E-F)                              (G)

22.907

(17.058)

8.817

 

 

 

 

 

Less

TAX                                                                  (H)

(0.665)

4.392

(0.441)

 

 

 

 

 

 

PROFIT AFTER TAX (G-H)                                (I)

23.572

(21.450)

9.258

 

 

 

 

 

 

Earnings Per Share (Rs.)

157.15

(143.00)

61.72

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2013
(Provisional)

31.03.2012

31.03.2011

PAT / Total Income

(%)

3.24

(3.99)

2.32

 

 

 

 

 

Net Profit Margin

(PBT/Sales)

(%)

3.16

(3.21)

2.23

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

2.19

(1.31)

0.90

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

0.52

(0.84)

0.21

 

 

 

 

 

Debt Equity Ratio

(Total Debt/Networth)

 

5.52

8.05

2.17

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

1.69

1.13

1.05

 


 

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

Yes

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

Yes

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

Yes

33]

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

No

34]

External Agency Rating, if available

No

 

 

------------------------------------------------------------------------------------------------------------------------------

 

UNSECURED LOANS

 

Particulars

31.03.2013

(Provisional)

31.03.2012

 

(Rs. In Millions)

Long Term Borrowings

 

 

From Directors

44.300

44.300

From Other Parties

179.942

83.114

 

 

 

Short Term Borrowings

 

 

Deposits

12.835

5.990

Other Loans and Advance

0.000

22.490

 

 

 

Total

 

237.077

155.894

 

 

------------------------------------------------------------------------------------------------------------------------------

 

PROJECTED FINANCIALS

 

PROFIT & LOSS ACCOUNT

 

(RS. IN MILLIONS)

 

Particulars

 

31.03.2014

31.03.2015

31.03.2016

 

(Projected)

 

 

 

 

 

Operating Income

312.500

392.600

1295.000

Total Income

 

312.500

392.600

1295.000

 

 

 

 

Expenses

 

 

 

Cost of Construction

219.100

275.300

908.100

Interest/ Finance Expenses

17.000

21.400

70.500

Total Expenditure

 

236.100

296.600

978.600

 

 

 

 

Profit before Tax

76.300

95.900

316.400

 

 

 

 

Provision for Taxation

--

--

--

 

 

 

 

Profit after Tax

76.300

95.900

316.400

 

 

------------------------------------------------------------------------------------------------------------------------------

 

Balance Sheet

 

(RS. IN MILLIONS)

 

Particulars

 

31.03.2014

31.03.2015

31.03.2016

 

(Projected)

 

 

 

 

 

Shareholders' Funds

 

 

 

Promoter Contribution

340.000

340.000

340.000

Share Application Money

0.000

0.000

0.000

Reserves & Surplus

 

 

 

- Shares Premium

0.000

0.000

0.000

- P&L Surplus

128.679

224.597

541.015

 

 

 

 

Loan Funds

 

 

 

Secured Loans

400.000

400.000

0.000

Unsecured Loans

0.000

0.000

0.000

Total

 

868.679

964.597

881.015

 

 

 

 

Current Assets, Loans and Advances

 

 

 

Cash & Bank Balances

69.892

81.917

881.015

Sundry Debtors

23.123

55.719

0.000

WIP

775.664

826.961

0.000

Loans, Advances & Other Current Assets

0.000

0.000

0.000

Margin Money FDR

 

 

 

 

 

 

 

Less : Current Liabilities & Provisions

 

 

 

Advance from Customers

0.000

0.000

0.000

Expenses Payable

0.000

0.000

0.000

Other Current Liab/Creditors

 

 

 

Net Current Assets

 

868.679

964.597

881.015

Branch /Divisions

 

 

 

 

 

 

 

Total

 

868.679

964.597

881.015

 

 

------------------------------------------------------------------------------------------------------------------------------

 

CASH FLOW STATEMENT

 

(RS. IN MILLIONS)

 

Particulars

 

31.03.2014

31.03.2015

31.03.2016

 

(Projected)

 

 

 

 

 

Receipt from sale of

 

 

 

Inflow from Sale

187.370

3599.64

1350.711

Other Receipts

0.000

0.000

0.000

Others

0.000

0.000

0.000

Total (A)

187.370

359.964

1350.711

 

 

 

 

 Addition of New Term Loan

4000.000

0.000

0.000

 Equity Contribution & Internal accrual

133.094

0.000

0.000

 Unsecured Loan

0.000

0.000

0.000

Total (B)

533.094

0.000

0.000

 

 

 

 

Total Inflow (A+B)

720.464

359.964

1350.711

 

 

 

 

Check

0.000

0.000

0.000

 

 

 

 

CASH OUTFLOW

 

 

 

Construction Cost

425.471

255.283

107.957

Repayment of New Term Loan

0.000

0.000

400.000

Land Acquisition Cost

0.000

0.000

0.000

EDC Payment (including Interest)

86.446

0.000

0.000

Other Costs

105.123

34.656

14.656

Payment of Interest on New TL

33.531

58.000

29.000

Advance to Suppliers

0.000

0.000

0.000

Total

6505.72

3479.39

5516.13

 

 

 

 

Payment of Tax

0.000

0.000

0.000

 

 

 

 

Total Outflow

650.572

347.939

551.613

 

 

 

 

Opening Balance

0.000

69.892

81.917

 

 

 

 

Closing Balance

69.892

81.917

881.015

 

 

------------------------------------------------------------------------------------------------------------------------------

 

 

 

Debt Service Coverage Ratio

 

 

DSCR Calculation

 

Year 2016

Advance

1350.711

New Loan

0.000

Equity

0.000

Construction Cost

122.613

Interest

29.000

Sub-Total (A)

 

1379.711

 

 

Repayment of New Term Loan

400.000

Interest

29.000

 

 

Sub-Total (B)

 

429.000

 

 

DSCR (A/B)

 

3.22

 

 

------------------------------------------------------------------------------------------------------------------------------

 

NETWORTH STATEMENT AS ON MARCH 31, 2012

 

MR. ASHISH SETH - DIRECTOR

 

(RS. IN MILLIONS)

 

PARTICULARS

 

VALUE

MARKET VALUE

 

(Estimated)

 

ASSETS

 

 

1 IMMOVABLE PROPERTIES

 

 

Factory land and building

--

--

Agricultural

--

--

Land Farm

--

--

Houses

--

--

Shops

--

--

Flats

48.252

70.000

Villas

--

--

Apartments

--

--

Total

48.252

70.000

 

 

 

2 INVESTMENTS

 

 

Shares in Companies (Listed)

0.010

0.010

Shares in Companies (Un-Listed)

5.707

5.707

Debentures in Companies

--

--

Preference Shares in Companies

--

--

Bonds

--

--

LIC

--

--

PPF

--

--

NSC

--

--

KVP

--

--

Fixed Deposits

--

--

Investment in Mutual Funds

--

--

Total

5.717

5.717

 

 

 

3 PERSONAL EFFECTS

 

 

Jewellery / Personal Effects

27.500

30.000

Total

27.500

30.000

 

 

 

4 CAPITAL INVESTMENT IN PARTNERSHIP FIRMS & HUF

--

--

 

 

 

5 OTHER CURRENT ASSETS

 

 

Cash in Hand

1.644

1.644

Bank Balance

0.108

0.108

Loans and Advances

0.621

0.621

 

2.373

2.373

 

 

 

 

TOTAL ASSETS (A)

 

83.842

108.090

 

 

 

LESS: LIABILITIES

 

 

 

 

 

Bank Loan

--

--

Personal Loan

--

--

Car Loans

--

--

Other unsecured Loan

58.978

58.978

Total

58.978

58.978

 

 

 

 

TOTAL LIABILITIES (B)

 

58.978

58.978

 

 

 

NET CREDIT WORTH (A-B)

 

24.864

49.112

 

 

------------------------------------------------------------------------------------------------------------------------------

 

NETWORTH STATEMENT AS ON MARCH 31, 2012

 

MR. SURENDER SETH - DIRECTOR

 

(RS. IN MILLIONS)

 

 

PARTICULARS

 

VALUE

MARKET VALUE

 

(Estimated)

 

ASSETS

 

 

1 IMMOVABLE PROPERTIES

 

 

Factory land and building

--

--

Agricultural Land

--

--

Farm Houses

2.738

1750.000

Shops

--

--

Flats

--

--

Villas

--

--

Apartments

--

--

Total

2.738

1750.000

 

 

 

2 INVESTMENTS

 

 

Shares in Companies (Listed)

1.052

1.000

Shares in Companies (Un-Listed)

9.710

9.710

Debentures in Companies

--

--

Preference Shares in Companies

--

--

Bonds

--

--

LIC

0.104

0.104

PPF

--

--

NSC

--

--

KVP

--

--

Fixed Deposits

0.436

0.436

Investment in Mutual Funds

--

--

Total

11.302

11.250

 

 

 

3 PERSONAL EFFECTS

 

 

Jewellery / Personal Effects

35.000

40.000

Total

35.000

40.000

 

 

 

4 CAPITAL INVESTMENT IN PARTNERSHIP FIRMS & HUF

--

--

 

 

 

5 OTHER CURRENT ASSETS

 

 

Cash in Hand

0.082

0.082

Bank Balance

1.023

1.023

Loans and Advances

74.519

74.519

Total

75.624

75.624

 

 

 

 

TOTAL ASSETS (A)

 

124.664

1876.874

 

 

 

LESS: LIABILITIES

 

 

 

 

 

Bank Loan

--

--

Personal Loan

--

--

Car Loans

--

--

Other unsecured Loan

79.191

79.191

Total

79.191

79.191

 

 

 

 

TOTAL LIABILITIES (B)

 

79.191

79.191

 

 

 

NET CREDIT WORTH (A-B)

 

45.473

1797.683

 

------------------------------------------------------------------------------------------------------------------------------

 

EXECUTIVE SUMMARY

 

 

ABOUT THE COMPANY

 

Company is the main flagship company of Ferrous Group. Company has good experience in the construction industry in terms of design and turnover. It has core expertise in developing housing projects. Company has worked with best architectural talent in the industry and derives satisfaction from recognitions received for its commitment to timely delivery, quality and international standards of construction, execution and development.

 

 

Director’s Profile:

1.     Mr. Surender Seth:

Surender Seth is a Director of Ferrous Infrastructure Private Limited. He received Master’s Degree in Economics from Delhi University in 1970. He has more than 40 years of experience. He started his own forging business under the name of Ferrous Alloy Forgings Private Limited. He switched to Real Estate Business in 2002.

 

2.     Mr. Ashish Seth:

Ashish Seth is a Chairman and Managing Director in Ferrous Infrastructure Private Limited. He received an Honours Degree in Commerce from Delhi University. He has more than 10 years of experience. He started his own venture under the name of Ferrous Forgings Limited and switched to Real Estate Business in 2002. He is actively involved in procurement of land and exploring the opportunities for project developments.

 

 

About the Group

 With a dazzling background of stupendous accomplishments in different sectors, and exceptional growth patterns over the years, the group is focused on creating an indelible and long-lasting mark in the world of real estate. A multifaceted enterprise pursuing diverse business goals, the Ferrous group has significantly surpassed ongoing trends in the industry, with its devotion to precision and steadfast adherence to the core values of exceptional quality, consistent innovation and unswerving trust.

 

The Ferrous group plans to bring about a transformation in the real estate industry, with numerous Townships, Cyber Parks, Commercial Malls and Group housing Schemes. And the transformation has already begun.

 

Group commenced Real Estate business in 2002.

 

Main group companies are closely held companies namely

           Ferrous Infrastructure Private Limited

           Ferrous Township Private Limited

 

The group has an excellent track record. It has worked with best architectural talent in the industry and derives satisfaction from recognitions received for its commitment to timely delivery, quality and international standards of construction, execution and development.

 

 

About the Project

Ferrous Infrastructure is developing Residential Group Housing Colony on the land admeasuring 10.14 acres approx in sector 19, Daruhera. Total Saleable area of the project would be 8,62,584 sq ft and will have 828 residential units of different sizes and shapes including 128 EWS and commercial plaza of 3250 Sq Ft.

 

Location of Project

·         Situated in the heart of Daruhera

·         Located in close proximity to NH-8 and new commercial development.

·         40 minutes drive from Domestic and International Airport

·         30 mins drive from IFFCO Chowk

 

 

Area Details

Details of the Area is as under:

 

Particular

 

Area

Total Land Area

10.142 Acre

Constructible Area

945492.22 Sq. ft.

Saleable Area

862584.00 Sq. ft.

 

 

Unit Details

Details of Units are as under:

 

Particular

 

Units

Residential Flats

(1,2,3 BHK )

704

Commercial area

1

EWS

124

 

 

Present Status of Project

Status of the Project as on date is given hereunder:

·         Land has already been acquired

·         All the approvals are in place

·         Company is already developing the project and has completed around 30% of construction by Mar, 2013.

·         Company is developing 6 towers with the name Tower O, P, A, D and Block (G+2) and Block (S+5) out of these company has started constructing Tower O&P&A and also 2 Blocks.

·         Company is going to start the construction of Tower D very soon.

·         Company has already booked units around 40% of the whole project and 60% of the launched units.

 

 

Present Status of other Real Estate Projects of the Company

Particulars

Project 1-

Ferrous City-1 Beverly Homes

Project 2

Ferrous City-2

Ferrous Megapolis

Project Location

Sec-89, Fbd

Sec-89, Fbd

Sec-70, Fbd

Size of the project

11.85 Acres

14.80 Acres

100 acres

Saleable Area

1070777 Sq ft

1131572 Sq ft

 

Approvals

All Approvals are in place

All Approvals are in place

All Approvals are in place

Status

Around 320 units is completed and company is expecting to start the Construction of High Rise Buildings

90% construction work on the Project is Completed and company is expecting to start offering the possession very soon

This is a long term project which includes plotting, low rise, high rise developments. Work on this project has recently been started in FY-12. At present, construction work on the project is at its full swing

 

 

Past Completed Projects

S. No.

Project

Area

Category

1

10A, Paschim Marg, DLF City, Gurgaon

10000 Sq Ft

Housing Complex

2

C-646, New Friends Colony, New Delhi

10000 Sq Ft

Housing Complex

3

C-31, Friends Colony East, New Delhi

15000 Sq Ft

Housing Complex

4

G-7, Maharani Bagh, New Delhi

15000 Sq Ft

Housing Complex

5

D4A/2, DLF City, Gurgaon

10000 Sq Ft

Housing Complex

6

D4A/3, DLF City, Gurgaon

10000 Sq Ft

Housing Complex

7

A-197, New Friends Colony, New Delhi

10000 Sq Ft

Housing Complex

8

41, New Friends Colony East, New Delhi

40000 Sq Ft

Housing Complex

9

1, Ishwar Nagar, New Delhi

10000 Sq Ft

Housing Complex

10

C-650, New Friends Colony, New Delhi

15000 Sq Ft

Housing Complex

11

D-856, New Friends Colony, New Delhi

10000 Sq Ft

Housing Complex

12

C-691, New Friends Colony, New Delhi

10000 Sq Ft

Housing Complex

13

118-E, Kamla Nagar, Delhi

8000 Sq Ft

Commercial Complex

 

 

Cost of Project

The detailed cost of the project is of Rs.1673.200 Millions is as under

(INR In Millions)

Particulars

Amount

Incurred till Mar,13

Land Acquisition Cost

( incl. Govt. Dues)

71.400

71.400

Govt. Dues including

EDC/IDW

233.200

105.800

Construction Cost

1134.600

345.900

Contingencies

28.400

0.000

Admin, Marketing Exp.

85.100

0.000

Interest during

construction

120.500

0.000

Total

1673.200

523.100

 

 

Means of Finance

(INR Millions)

Particulars

Amount

Incurred till Mar,13

Promoters Contribution

340.000

206.900

Term Loan

400.000

0.000

Booking and Advance

933.200

316.100

Total

1673.200

523.100

 

 

Facilities Desired

Fund Based Limit

Company required Rs.400.000 Millions Term Loan

 

 

Purpose of Facility

To part finance the group housing residential project developing at Sector 19, Daruhera at the project land of 10.14 acres

 

 

Rate of Interest

Base Rate + 2.00%

 

 

Processing Fee

50% of Applicable Fee

 

 

Tenor

Door to Door 36 months.

·         Disbursement   4 Qtrs;

·         Moratorium Period – 4 Qtrs after disbursement period

·         Repayment Period - 4 Qtrs after repayment period

 

 

Security

Primary Security

·         Charge on the Project Land of 10.14 acres at Sec-19, Daruherra and the construction thereof

 

Personal Guarantee:

(INR In Millions)

Name of Guarantor

Net Worth as on 31.03.2012

Mr. Surender Seth

1797.700

Mr. Ashish Seth

49.100

 

 

Debt Service Coverage Ratio

3.22

 

 

INTRODUCTION

 

With a dazzling background of stupendous accomplishments in different sectors, and exceptional growth patterns over the years, the group is now focused on creating an indelible and long-lasting mark in the world of real estate. A multifaceted enterprise pursuing diverse business goals, the Ferrous group has significantly surpassed ongoing trends in the industry, with its devotion to precision and steadfast adherence to the core values of exceptional quality, consistent innovation and unswerving trust.

 

The Ferrous group plans to bring about a transformation in the real estate industry, with numerous Townships, Cyber Parks, Commercial Malls and Group housing Schemes. And the transformation has already begun.

 

At Ferrous, quality is the precursor to every action and customer satisfaction - the impetus. Multifarious aspects underpin their business approach, the prime being their unwavering dedication to complete Customer satisfaction. They are sticklers for quality and nothing less than the finest satiates their urge for exactitude and precision. Indeed, the group's longstanding associations with clients vindicate its resolve to provide unmatched quality and exceptional services in all its endeavors. The client list comprises of pre-eminent national and global organizations such as Mercedes, Ferrari, General Motors, Ford, Ashok Leyland, Telco, Escorts, and many more.

 

Group commenced Real Estate business in 2002.

 

Main group companies are closely held companies namely

• Ferrous Infrastructure Private Limited

• Ferrous Township Private Limited

 

The group has an excellent track record. It has worked with best architectural talent in the industry and derives satisfaction from recognitions received for its commitment to timely delivery, quality and international standards of construction, execution and development.

 

 

INDUSTRY SCENARIO - About The Industry

 

The real estate sector in India assumed greater prominence with the liberalisation of the economy, as the consequent increase in business opportunities and labour migration led to rising demand for commercial and housing space. At present, the real estate and construction sectors are playing a crucial role in the overall development of India’s core infrastructure. The real estate industry’s growth is linked to developments in the retail, hospitality and entertainment (hotels, resorts, cinema theatres) industries, economic services (hospitals, schools) and information technology (IT)- enabled services (like call centres) etc and vice versa.

 

The Indian real estate sector has traditionally been dominated by a number of small regional players with relatively low levels of expertise and/or financial resources. Historically, the sector has not benefited from institutional capital; instead, it has traditionally tapped high net-worth individuals and other informal sources of financing, which has led to low levels of transparency. This scenario underwent a change with in line with the sector’s growth, and as of today, the real estate industry’s dynamics reflect consumers’ expectations of higher quality with India’s increasing integration with the global economy.

 

Residential real estate industry has witnessed stupendous growth in the past few years owing to the following reasons:

 

·         Continuous growth in population

·         Migration towards urban areas

·         Ample job opportunities in service sectors

·         Growing income levels

·         Rise in nuclear families

·         Easy availability of finance

 

Demand for houses increased considerably whilst supply of houses could not keep pace with demand thereby leading to a steep rise in residential capital values especially in urban areas.

 

In spite of the stupendous growth witnessed in the past 10 years, substantial housing shortage is still prevalent in India. According to CRISIL Research, housing shortage in India is estimated at 78.7 million units at the end of Phase II. The overall housing shortage in India is likely to decline to 75.5 million units.

 

CRISIL Research expects housing shortage to decrease due to the government’s thrust on improving rural housing by providing houses to the homeless under various development schemes and by enabling slum redevelopment programmes in urban areas under Jawaharlal Nehru National Urban Renewal Mission (JNNURM).

 

However, housing shortage in urban areas will continue to rise owing to migration towards urban areas and increasing trend of nuclear families. Housing shortage in urban areas is estimated at 19.3 million units at the end of 2008, up from 15.1 million units at the start of 2005. Housing shortage in urban areas is likely to touch a walloping 21.7 million units by the end of 2014.

 

Rural areas, on the other hand, will witness a reduction in housing shortage due to migration and conversion of kutcha houses into pucca houses. The government’s continuous focus on improving the housing situation, especially for population below poverty line, under schemes like Indira Awaas Yojna, Rajeev Gandhi Aawaas Yojna, Two Million Housing Programme, is expected to reduce housing shortage in rural areas. Rural housing shortage is expected to decline to 53.8 million units by 2013-14 from 59.4 million units at the end of 2008.

 

The real estate sector in India is on a rapid growth trajectory. Over a short span of time, the industry has evolved from a highly fragmented and unorganized market into a semi-organized market, with a large number of listed companies. Real Estate Industry in India is supposed to reach the size of USD 180 billion by the end of 2010. FDI of up to 100 % is allowed under the automatic route in most asset classes. Due to high growth in the services sector - telecom, financial services, IT & ITeS, etc., there is a growing demand for affordable housing and high rate of urbanization. The Indian Government and private developers, realizing the growing demand for affordable housing, are strongly focusing on affordable housing.

 

At present Real Estate Industry Contributes to 5% of the total GDP of India. The major players in the sector are DLF, Unitech, Ansal Properties, Parsavnath, Amrapali etc. After 2008-2009 global economic slowdowns, the Indian Real Estate Industry is now charting a path to recovery.

 

With the demand for residential, commercial and retail space zooming against a rapidly diminishing land mass, it’s the suburbs of most Indian metros and Tier II cities like Mumbai, Delhi, NCR, Bangalore, Chennai, Hyderabad and Kolkata that are currently witnessing a bulk of the frenzied development, as developers scramble to cater to the booming demand lured by the easier availability of prime real estate at affordable rates, improved connectivity, better infrastructure facilities and the promise of a rewarding future.

 

NCR is witnessing considerable activity due to relatively less expensive land prices (compared to Delhi), improved infrastructure development and the movement of IT and ITES companies out of Delhi and into NCR. Accordingly the suburbs like Gurgaon, Noida, Greater Noida, Manesar, Daruhera, Faridabad, Ghaziabad, Dwarka, Palam, Pitampura and Sonepat etc are expected to do very well in the future.

 

In Gurgaon alone property prices have risen by an astounding 150 per cent since 2003. The launch connection to Metro not only served to ease the Gurgaon’s travel woes  to Delhi and NCR, the prices have also increased by about 60-100 per cent in the last three years, with most of the rise taking place in the last two year. 

 

Demand in Suburban locations, like Gurgaon, Dharuhera, Faridabad and Noida has seen a substantial increase as corporate have started planning their real estate needs and relocation strategies well in advance and pre committing to legal office space. Rental and capital values saw a rise of approximately 5 - 10%.

 

The growing demand for campus styled developments by companies looking at consolidating their operations is another emerging trend. Several companies have acquired large land parcels in Gurgaon-Manaser-Palway Expressway, Manesar, Sohna, Dharuhera, Noida and Greater Noida for such development.

 

 

DHARUHERA – THE CITY

 

Dharuhera is a census town in Rewari Tehsil of Rewari District in the State of Haryana, India. Dharuhera comes under Delhi NCR region and it is an industrial hub. It was founded by Choudhary Nand Ram, a Yaduvanshi Ahir ruler of Rewari. The family of Rao Sahibs is dominant in terms of the size of land holdings since its foundation, also referred to as zaildar/ zamindar in the town. Dharuhera is included as the new growth corridors in Gurgaon. It lies on NH8 (Delhi-Jaipur national highway) about 70 km from Delhi. Distance from Gurgaon to Dharuhera is only 30 km.

 

The economy of Dharuhera was mainly agrarian until recently. Dharuhera industrial estate has provided some employment to the local persons. Of late, much of the agricultural land has been bought by real estate developers as the urbanisation and construction activity extends from Gurgaon towards Rewari. Dharuhera is now a preferred location for investors in real estate and built properties.

 

Dharuhera industrial estate is located on both sides of NH8 and has many large manufacturing plants such as Hero Honda motorcycles and DELPHI Automotive Systems Private Limited (A Global MNC). India’s biggest dairy plant Amul is also in Dharuhera, Carlsberg beer factory, Lumax Industries Limited, Rico Auto Industries.

 

Dharuhera is about 40 minutes drive from Gurgaon and 60 minutes from Indira Gandhi International Airport. Due to its proximity with Gurgaon and New Delhi, Dharuhera has all the makings of the next big satellite city in the region, with a number of developers running projects here.

 

Due to its proximity with Gurgaon and New Delhi, it has all the makings of the next big satellite city in the region with a number of developers have running projects and having ambitious plans to convert the landscape through the development of fully integrated townships with all conceivable amenities and facilities backed by world class infrastructure.

 

Heavy Development is going around the area including widening work of NH-8 (from 4 lanes to 8 lanes) which is on near completion. Kundli-Manesar-Palwal Express Highway (KMP) construction and development work is already in full swing, and the construction and development work of 75 meter wide outer peripheral road connecting NH-8 to Sohna Road (Land acquisition, possession and compensation of the land i.e. notification U/s. 4, 6 and 9 of the Land Acquisition Act 1894 already completed), construction is likely to be started soon. Also upcoming is a 4 lane road connecting Shajapur border with Kalanaur and Kundli, providing smooth connectivity between these industrial places.

 

 

MAJOR COMPANIES

 

Some of the major real estate developers in Dharuhera are:

 

·         Vatika                                                                    

·         Unitech

·         Vipul                                                                                  

·         Lotus Green city

·         Piyush Horizon                                                       

·         Avalon Rangoli

·         Parsvnath                                                              

·         Armada Residency

·         Raheja Developers                                                 

·         Bestech Parkview Delight

·         M2K Freedom Apartments                                      

·         Tivoli Holiday Village

·         Dwarkadhish                                                                      

·         Avalon

·         Emaar Properties                                       

 

 

Facility Desired

 

The company requires the following credit facilities:

 

Facility

 

Amount

Margin (%)

Term Loan

40.00

23.91%

 

 

ASSESSMENT OF TERM LOAN

 

ABOUT THE PROJECT

 

Ferrous Infrastructure is developing Residential Group Housing Colony on the land admeasuring 10.14 acres approx in sector 19, Daruhera. Total Saleable area of the project would be 8 62,584 sq ft and will have 828 residential units of different sizes and shapes including 128 EWS and commercial plaza of 3250 Sq Ft.

 

 

LOCATION OF THE PROJECT

 

The project is located in Daruheda, Haryana. Dharuhera is about 30 minutes drive from Gurgaon and 40 minutes from Indira Gandhi International Airport. Due to its proximity with Gurgaon and New Delhi, Dharuhera has all the makings of the next big satellite city in the region, with a number of developers running projects here

 

The economy of Dharuhera was mainly agrarian until recently. Dharuhera industrial estate has provided some employment to the local persons. Of late, much of the agricultural land has been bought by real estate developers as the urbanization and construction activity extends from Gurgaon towards Rewari. Dharuhera is now a preferred location for investors in real estate and built properties. Though there are few concerns from Finance Minister lately about this acquired land being fertile and shouldn't have been acquired for residential projects.

 

Dharuhera industrial estate is located on both sides of NH8 and has many large manufacturing plants such as Hero Honda motorcycles and DELPHI Automotive Systems Private Limited (A Global MNC).India’s biggest dairy plant Amul is also in Dharuhera, Carlsberg beer factory, Lumax Industries Limited Rico Auto Industries.

 

·         The project site is nicely located in NCR region very close to Delhi Jaipur National Highway (NH-8) with comfortable supporting and neat connectivity by Road, Rail and Air Transport facilities.

·         The residential apartments in Dharuhera are picking up popularity for the general public with the existence of the Delhi Jaipur Highway (NH-8), upcoming 75 meter wide outer peripheral road for Dharuhera Town connecting NH-8 to Sohna Road and KMP expressway providing smooth commutation.

·         KMP expressway is also coming up soon and is very close to the Project connecting NH-1, 10, 8 and 2 by passing the NCT Delhi. Upcoming development of this corridor will support number of specialized economic activities with top class infrastructure facilities.

·         Upcoming Delhi-Mumbai Industrial Corridor (DMIC) incorporates Nine Mega Industrial Zones of about 200-250 sq. km., high speed freight line, three ports, and six air ports; a six lane intersection-free expressway is a mega infra-structure project under Japanese collaboration attracting a lot of FDI. This high-speed connectivity between Delhi and Mumbai covering an overall length of 1483 km and passing through the six States States – U.P., NCR Delhi, Haryana, Rajasthan, Gujarat and Maharashtra, with end terminals at Dadri in NCR and JNPT near Mumbai offers immense opportunities for development of an Industrial corridor along with a rapid transportation service between Delhi-Manesar-Dharuhera-Bawal, Jaipur.

·         Similar to Delhi Metro, NCR Planning Board has plans to develop Dedicated Railway track to connect Delhi NCR to Rewari, Panipat, Alwar and Meerut.

·         Work on Rewari – Dharuhera- Bhiwadi- Nuh- Palwal- Khurja railway track has already been started. & the oldest Railway Station Rewari Junction is also very close by to the project.

·         Government of Rajasthan is planning to take Metro train from Manesar to Bhiwadi.

·         Two five star hotels are under construction with in 5 Km from Project on NH-8

·         The highly reputed Educational institutes DPS Rewari, Starex International School, Modern Public School, Raman Munjal School are very close to the project, providing world class education to the young ones of the workforce.

 

 

MARKETING STRATEGY

 

Company has large network of dealers who are dealing with the company for many years now. They are capable of marketing the project properly. Company has already sold out 40% of the total project and 60% of the launched units as on date.

 

Company does have in house marketing team headed by Mr. Amit Haryal and Mr. Vipin Singh having around 10 years of experience in the field of marketing.

 

------------------------------------------------------------------------------------------------------------------------------

 

FIXED ASSETS:

 

·         Computer

·         Air Conditioner

·         Furniture and Fixtures

·         Office Equipment

·         Lab Equipments

·         Motor Car

·         Machienry

·         Machinery and Equipments

·         Furniture and Fixtures

·         Computer Software

 

 

 


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.60.59

UK Pound

1

Rs.92.92

Euro

1

Rs.78.94

 

 

INFORMATION DETAILS

 

Information Gathered by :

SVA

 

 

Report Prepared by :

NIT

 

 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

3

PAID-UP CAPITAL

1~10

4

OPERATING SCALE

1~10

5

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

5

--PROFITABILIRY

1~10

--

--LIQUIDITY

1~10

3

--LEVERAGE

1~10

4

--RESERVES

1~10

4

--CREDIT LINES

1~10

3

--MARGINS

-5~5

--

DEMERIT POINTS

 

 

--BANK CHARGES

YES/NO

YES

--LITIGATION

YES/NO

NO

--OTHER ADVERSE INFORMATION

YES/NO

NO

MERIT POINTS

 

 

--SOLE DISTRIBUTORSHIP

YES/NO

NO

--EXPORT ACTIVITIES

YES/NO

NO

--AFFILIATION

YES/NO

NO

--LISTED

YES/NO

NO

--OTHER MERIT FACTORS

YES/NO

YES

DEFAULTER

 

 

--RBI

YES/NO

NO

--EPF

YES/NO

NO

TOTAL

 

31

 

This score serves as a reference to assess SC’s credit risk and to set the amount of credit to be extended. It is calculated from a composite of weighted scores obtained from each of the major sections of this report. The assessed factors and their relative weights (as indicated through %) are as follows:

 

Financial condition (40%)            Ownership background (20%)                  Payment record (10%)

Credit history (10%)                   Market trend (10%)                                Operational size (10%)

 

 

RATING EXPLANATIONS

 

 

RATING

STATUS

 

 

PROPOSED CREDIT LINE

>86

Aaa

Possesses an extremely sound financial base with the strongest capability for timely payment of interest and principal sums

 

Unlimited

71-85

Aa

Possesses adequate working capital. No caution needed for credit transaction. It has above average (strong) capability for payment of interest and principal sums

 

Large

56-70

A

Financial & operational base are regarded healthy. General unfavourable factors will not cause fatal effect. Satisfactory capability for payment of interest and principal sums

 

Fairly Large

41-55

Ba

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

 

Satisfactory

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

 

Small

11-25

Ca

Adverse factors are apparent. Repayment of interest and principal sums in default or expected to be in default upon maturity

 

Limited with full security

<10

C

Absolute credit risk exists. Caution needed to be exercised

 

 

Credit not recommended

-

NB

                                       New Business

 

-

 

 

 

PRIVATE & CONFIDENTIAL : This information is provided to you at your request, you having employed MIPL for such purpose. You will use the information as aid only in determining the propriety of giving credit and generally as an aid to your business and for no other purpose. You will hold the information in strict confidence, and shall not reveal it or make it known to the subject persons, firms or corporations or to any other. MIPL does not warrant the correctness of the information as you hold it free of any liability whatsoever. You will be liable to and indemnify MIPL for any loss, damage or expense, occasioned by your breach or non observance of any one, or more of these conditions

This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.