1. Summary Information

 

 

Country

India

Company Name

AROMA ORGANICS LIMITED

Principal Name 1

Mr. Suneel Kumar Jain

Status

Moderate

Principal Name 2

Ms. Punam Jain

 

 

Registration #

--

Street Address

4598/ 12 – B, 2nd Floor, Gola Cottage, Ansari Road, Darya Ganj, Delhi – 110 002, Delhi 

Established Date

24.03.1987

SIC Code

--

Telephone#

91-11-23260010

Business Style 1

Trader and Importer of Chemicals (Industrial Chemicals).

Fax #

91-11-23272878

Business Style 2

--

Homepage

--

Product Name 1

--

# of employees

Not Available

Product Name 2

--

Paid up capital

Rs.11,500,000

Product Name 3

--

Shareholders

Punam Jain - 595005

Banking

Canara Bank

Public Limited Corp.

--

Business Period

26 years

IPO

---

International Ins.

-

Public Enterprise

---

Rating

B (34)

Related Company

Relation --

Country --

Company Name

--

Note

-

 

2. Summary Financial Statement

Balance Sheet as of

31.03.2011

(Unit: Indian Rs.)

Assets

Liabilities

Current Assets

137,838,000

Current Liabilities

119,694,000

Inventories

54,058,000

Long-term Liabilities

47,181,000 

Fixed Assets

18,374,000

Other Liabilities

3,234,000

Deferred Assets

--

Total Liabilities

170,109,000

Invest& other Assets

16,535,000

Retained Earnings

45,196,000

 

 

Net Worth

56.696,000

Total Assets

226,805,000

Total Liab. & Equity

226,805,000

 Total Assets

(Previous Year)

227,596,000

 

 

P/L Statement as of

31.03.2010

(Unit: Indian Rs.)

Sales

851,947,000

Net Profit

13,599,000

Sales(Previous yr)

648,652,000

Net Profit(Prev.yr)

14,571,000

 


MIRA INFORM REPORT

 

 

Report Date :

12.03.2013

 

IDENTIFICATION DETAILS

 

Name :

AROMA ORGANICS LIMITED

 

 

Registered Office :

4598/ 12 – B, 2nd Floor, Gola Cottage, Ansari Road, Darya Ganj, Delhi – 110 002, Delhi 

 

 

Country :

India

 

 

Financials (as on) :

31.03.2011

 

 

Date of Incorporation :

24.03.1987

 

 

Com. Reg. No.:

11-27388

 

 

Capital Investment / Paid-up Capital :

Rs.11.500 Millions

 

 

CIN No.:

[Company Identification No.]

U74899DL1987PLC027388

 

 

Legal Form :

A Closely Held Public Limited Liability Company

 

 

Line of Business :

Trader and Importer of Chemicals (Industrial Chemicals).

 

 

No. of Employees :

Not Available

 

 

RATING & COMMENTS

 

MIRA’s Rating :

B (34)

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Maximum Credit Limit :

USD 226784

 

 

Status :

Moderate

 

 

Payment Behaviour :

Unknown

 

 

Litigation :

Clear

 

 

Comments :

Subject is an established company having a moderate track. The latest financials of the company are not available. However trade relations are reported as fair. Business is active. Payments are reported to be unknown in absence of latest financials.

 

The company can be considered for small to mediocre 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 – June 30, 2012

 

Country Name

Previous Rating

(31.03.2012)

Current Rating

(30.06.2012)

India

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

INDIAN ECONOMIC OVERVIEW

 

India is developing into an open-market economy, yet traces of its past autarkic policies remain. Economic liberalization, including industrial deregulation, privatization of state-owned enterprises, and reduced controls on foreign trade and investment, began in the early 1990s and has served to accelerate the country's growth, which has averaged more than 7% per year since 1997. India's diverse economy encompasses traditional village farming, modern agriculture, handicrafts, a wide range of modern industries, and a multitude of services. Slightly more than half of the work force is in agriculture, but services are the major source of economic growth, accounting for more than half of India's output, with only one-third of its labor force. India has capitalized on its large educated English-speaking population to become a major exporter of information technology services and software workers. In 2010, the Indian economy rebounded robustly from the global financial crisis - in large part because of strong domestic demand - and growth exceeded 8% year-on-year in real terms. However, India's economic growth in 2011 slowed because of persistently high inflation and interest rates and little progress on economic reforms. High international crude prices have exacerbated the government's fuel subsidy expenditures contributing to a higher fiscal deficit, and a worsening current account deficit. Little economic reform took place in 2011 largely due to corruption scandals that have slowed legislative work. India's medium-term growth outlook is positive due to a young population and corresponding low dependency ratio, healthy savings and investment rates, and increasing integration into the global economy. India has many long-term challenges that it has not yet fully addressed, including widespread poverty, inadequate physical and social infrastructure, limited non-agricultural employment opportunities, scarce access to quality basic and higher education, and accommodating rural-to-urban migration.

Source : CIA

 

 

EXTERNAL AGENCY RATING

 

Rating Agency Name

CARE

Rating

A4 (Short Term Bank Loan)

Rating Explanation

Minimal Degree of safety and very high credit risk

 

 

Rating

BB (Long Term Bank Facilities)

Rating Explanation

Moderate Risk of Default

Date

14.06.2012

 

 

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.

 

 

LOCATIONS

 

Registered Office :

4598/ 12 – B, 2nd Floor, Gola Cottage, Ansari Road, Darya Ganj, Delhi – 110 002, India

Tel. No.:

91-11-23260010

Mobile No.:

91-9810069964 (Mr. Mohit Jain)

Fax No.:

91-11-23272878

E-Mail :

chemtrade@aromaorganic.com

Website :

www.aromaorganic.com

Area :

1000 sq ft

Location :

Rented

 

 

Head/ Corporate Office :

22/ B, Bhaktakavi Shivji Devshi Marg, 106-110, Krishna Bhavan Annexe, Deonar, Mumbai – 400 088, Maharashtra, India

Tel. No.:

91-22-67988859/ 60

Fax No.:

91-22-25564200

 

 

Branch Office :

Plot No. 330, Ward 1/A, Adipur, Kutch - 370 205, India

 

 

 

DIRECTORS

 

AS ON 30.09.2011

 

Name :

Mr. Suneel Kumar Jain

Designation :

Director

Address :

1st Floor, Krishna Bavan, Annex Govandi Road, Deonar, Mumbai – 400 088, Maharashtra, India

Date of Birth/Age :

06.02.1953

Qualification :

B.Sc. Chemistry

Date of Appointment :

03.07.1990

DIN No.:

01080801

 

 

Name :

Ms. Punam Jain

Designation :

Director

Address :

1st Floor, Krishna Bavan, Annex Govandi Road, Deonar, Mumbai – 400 088, Maharashtra, India

Date of Birth/Age :

31.05.1958

Qualification :

MA

Date of Appointment :

18.07.2001

DIN No.:

01080267

 

 

Name :

Mr. Mohit Jain

Designation :

Director

Address :

4598/ 12 – B, 2nd Floor, Gola Cottage, Ansari Road, Darya Ganj, Delhi – 110 002, India

Date of Birth/Age :

15.07.1970

Qualification :

B.Com

Date of Appointment :

20.10.1999

DIN No.:

01154205

 

 

Name :

Ms. Bimal Prakash Jain

Designation :

Director

Address :

7 Dreamland CHS LTD, Sion Trombay Road, Chembur, Mumbai – 400074, Maharashtra, India

Date of Birth/Age :

01.09.1933

Date of Appointment :

24.03.1987

Date of Ceasing:

21.10.1999

 

 

Name :

Mr. Samir Bimal Jain

Designation :

Director

Address :

8-2-608-M-6 Road No.1, Banjara Hills, Hyderabad, AndhraPradesh, India

Date of Birth/Age :

09.07.1965

Date of Appointment :

24.03.1987

Date of Ceasing:

15.07.1996

 

 

Name :

Mr.Nirmal Bimal Jain 

Designation :

Director

Address :

7 Dreamland CHS LTD, Sion Trombay Road, Chembur, Mumbai – 400074, Maharashtra, India

Date of Birth/Age :

14.11.1940

Date of Appointment :

09.07.1990

Date of Ceasing:

15.07.1996

 

 

Name :

Ms. Rekha Pankaj Jain

Designation :

Director

Address :

10C Court Lane Civil Lines Delhi , India

Date of Birth/Age :

01.02.1962

Date of Appointment :

18.12.1992

Date of Ceasing:

15.07.1996

 

 

Name :

Ms. Renu Neeraj Jain

Designation :

Director

Address :

219, Dayanand Vihar, Vikash Marg Extn, Delhi, India

Date of Birth/Age :

11.06.1963

Date of Appointment :

18.1.1992

Date of Ceasing:

15.07.1996

 

 

Name :

Mr. Ellis Deepak Salvi

Designation :

Director

Address :

504, Ratna Sagar CHS Sector – 29, Vashi, Navi Mumbai, India

Date of Birth/Age :

18.04.1958

Date of Appointment :

20.10.1999

Date of Ceasing:

19.07.2001

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

AS ON 30.09.2011

 

Names of Shareholders

 

No. of Shares

 

Suneel Kumar Jain

 

402980

Punam Jain

 

595005

Suneel Kumar Jain HUF

 

25000

Rashi Suneel Kumar Jain

 

65000

Ruchi Suneel Kumar Jain

 

47015

Mohit Jain

 

10000

Prakashchand Jain

 

5000

Total

 

1150000

 

AS ON 30.09.2011

 

Category

Percentage

Directors or relatives of Directors

100.00

Total

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Trader and Importer of Chemicals (Industrial Chemicals).

 

 

GENERAL INFORMATION

 

No. of Employees :

Not Available

 

 

Bankers :

·         Canara Bank, Carnac Bunder Branch, P. D. MELLO Road, Mumbai – 400 001, Maharashtra, India

·         Indian Renewable Energy Development Agency Limited, Core 4a East Court 1st Floor, India Habitat Centre Lodi Road, New Delhi - 110003, Delhi, India

 

 

Facilities :

 

SECURED LOAN

 

Rs. In Millions

31.03.2011

Rs. In Millions

31.03.2010

Demand Loan From Canara Bank Secured By Pledge Of Bank Fixed/Term Deposits

0.000

6.263

Term Loan From Kotak Mahindra Prime Ltd (Hypothecation Of 1 No. Maruti Car Zen) •

0.309

0.000

Term Loan From Kotak Mahindra Prime Ltd (Hypothecation Of 1 No. Maruti Car Zen)

0.309

0.000

Term Loan From Indian Renewable Energy Agency Ltd. For Wind Mill Project At Udayathur, Dist : Tirunelveli (T.N.) Secured By Exclusive Mortgage Of Land & Building And Structures Situated At Udayathur Village Site And Hypthecation Of Plant & Machinery And Other Assets And Receiveables & Debts Relating To The Wind Mill

Project At Udayathur,Tirunelveli, (T.N.) And Personally

Guaranteed By Directors

2.675

4.730

Cash Credit Loan From Canara Bank Secured By Hypothecation Of Book Debts And Stock In Trade. Further Secured By Hypothecation Of Assets Of The Company Other Than Assets & Properties Relating To Wind Mill Project At Udayathur Village, (T.N.) Further Secured By Collateral Security Of Certain Immovable Properties Of The Company And Of The Directors And Further Personally Guaranteed By Directors

8.471

10.983

TOTAL

11.764

21.976

 

 

 

UNSECURED LOAN

 

Rs. In Millions

31.03.2011

Rs. In Millions

31.03.2010

Form Directors

 

 

Suneel Kumar Jain

33.857

28.036

Mohit Jain

0.000

1.001

From Shareholders

 

 

Suneel Kumar Jain (Huf)

1.558

1.240

Ruchi Jain

0.327

0.000

TOTAL

35.416

30.603

 

 

 

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

Jitendra Jotsinghani and Company

Chartered Accountants

Address :

46/2251 Suprabhat Chs Gandhi Nagar, Bandra East Mumbai 400051 Maharashtra, India

Tel No.:

91-22-26411137

Fax No.:

91-22-26412710

 

Ca@jotsinghani.com

 

 

Associates/Subsidiaries :

NA

 

 

CAPITAL STRUCTURE

 

AS ON 31.03.2011

 

Authorised Capital :

No. of Shares

Type

Value

Amount

1125000

Ordinary Equity Shares

Rs.10/-

Rs.11.250 Millions

375000

Differential Equity Shares

Rs.10/-

Rs.3.750 Millions

 

 

 

 

WHERE EACH DIFFERENTIAL EQUITY SHARE IS RANKING PARI PASSU WITH AN ORDINARY EQUITY SHARE EXCEPT FOR VOTING RIGHTS WHEREBY 1 (ONE) DIFFERENTIAL EQUITY SHARES CARRIES 1/100th VOTING RIGHT OF AN ORDINARY EQUITY SHARES

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

862500

Ordinary Equity Shares

Rs.10/-

Rs.8.625 Millions

2875000

Differential Equity Shares

Rs.10/-

Rs.2.875 Millions

 

 

 

 

 


 

FINANCIAL DATA

[all figures are in Rupees Millions]

 

ABRIDGED BALANCE SHEET

 

SOURCES OF FUNDS

 

31.03.2011

31.03.2010

31.03.2009

SHAREHOLDERS FUNDS

 

 

 

1] Share Capital

11.500

11.500

11.500

2] Share Application Money

0.000

0.000

0.000

3] Reserves & Surplus

45.196

31.336

17.746

4] (Accumulated Losses)

0.000

0.000

0.000

NETWORTH

56.696

42.836

29.246

LOAN FUNDS

 

 

 

1] Secured Loans

11.765

21.975

18.725

2] Unsecured Loans

35.416

30.604

35.551

TOTAL BORROWING

47.181

52.579

54.276

DEFERRED TAX LIABILITIES

3.234

3.778

4.419

 

 

 

 

TOTAL

107.111

99.193

87.941

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

18.374

16.324

18.584

Capital work-in-progress

0.000

0.000

0.000

 

 

 

 

INVESTMENT

16.535

14.160

14.160

DEFERREX TAX ASSETS

0.000

0.000

0.000

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

54.058
78.802
23.838

 

Sundry Debtors

127.930
107.894
83.658

 

Cash & Bank Balances

0.893
0.150
1.790

 

Other Current Assets

0.000
0.000
0.000

 

Loans & Advances

9.015
10.266
5.647

Total Current Assets

191.896

197.112

114.933

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Sundry Creditors

112.819
120.701
58.193

 

Other Current Liabilities

0.000
0.000
0.000

 

Provisions

6.875
7.702
1.543

Total Current Liabilities

119.694

128.403

59.736

Net Current Assets

72.202

68.709

55.197

 

 

 

 

MISCELLANEOUS EXPENSES

0.000

0.000

0.000

 

 

 

 

TOTAL

107.111

99.193

87.941

 

 

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

31.03.2011

31.03.2010

31.03.2009

 

SALES

 

 

 

 

 

Sale – Chemicals

849.160

645.855

509.107

 

 

Sale – Energy

2.767

2.796

2.486

 

 

Profit on Sale Assets

0.020

0.001

0.000

 

 

Other Income

0.098

0.000

0.000

 

 

TOTAL                                     (A)

852.045

648.652

511.593

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Cost of Sales

798.663

590.065

486.514

 

 

Office and Administrative Expenses

16.746

20.406

9.034

 

 

Selling and Distribution Expenses

5.637

5.021

4.603

 

 

Loss on Sale of Assets

0.176

0.000

0.039

 

 

TOTAL                                     (B)

821.222

615.492

500.190

 

 

 

 

 

Less

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

30.823

33.160

11.403

 

 

 

 

 

Less

FINANCIAL EXPENSES                         (D)

8.815

9.135

5.891

 

 

 

 

 

 

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

22.008

24.025

5.512

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                     (F)

2.077

2.391

2.753

 

 

 

 

 

 

PROFIT BEFORE TAX (E-F)                               (G)

19.931

21.634

2.759

 

 

 

 

 

Less

TAX                                                                  (I)

6.332

7.063

0.537

 

 

 

 

 

 

PROFIT AFTER TAX (G-I)                                  (J)

13.599

14.571

2.222

 

 

 

 

 

Add

EXCESS/(SHORT) PROVISION OF PREVIOUS YEARS PRIOR PERIOD DEPRECIATION/TAXATION INCOME TAX

0.260

(0.980)

0.000

 

 

 

 

 

Add

PREVIOUS YEARS’ BALANCE BROUGHT FORWARD

29.836

16.245

14.023

 

 

 

 

 

 

BALANCE CARRIED TO THE B/S

43.696

16.246

16.245

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2011

31.03.2010

31.03.2009

PAT / Total Income

(%)

1.59

2.25

0.43

 

 

 

 

 

Net Profit Margin

(PBT/Sales)

(%)

2.34

3.33

0.54

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

9.48

10.13

2.06

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

0.35

0.50

0.09

 

 

 

 

 

Debt Equity Ratio

(Debt/Networth)

 

0.83

1.23

1.86

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

1.60

1.53

1.92

 

 

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

No

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

No

16]

Details of sister concerns

No

17]

Major suppliers

No

18]

Major customers

No

19]

Payments terms

No

20]

Export / Import details (if applicable)

No

21]

Market information

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

22]

Litigations that the firm / promoter involved in

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

23]

Banking Details

Yes

24]

Banking facility details

Yes

25]

Conduct of the banking account

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

26]

Buyer visit details

No

27]

Financials, if provided

Yes

28]

Incorporation details, if applicable

Yes

29]

Last accounts filed at ROC

Yes

30]

Major Shareholders, if available

Yes

31]

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

Yes

32]

PAN of Proprietor/Partner/Director, if available

No

33]

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

No

34]

External Agency Rating, if available

Yes

 

NOTE:

The situation of the registered office of the company was changed from 10, Court Lane, Civil Lines, Delhi – 110 064 to the present address w.e.f. 01.12.2008.

 

 

CONTINGENT LIABILITIES

 

PARTICULARS

RS. IN MILLIONS

31.03.2011

FLCs Opened and Outstanding With Banks In Us Dollars

2.560

In Indian Rs. (At Year End Rates)

114.170

Bank Guarantees Outstanding

1.645

Bills/Cheques Discounted With Banks

0.000

Margin Money Against Fdrs

20.721

 

SALES, PROFITABILITY AND OUTLOOK

 

The Company has achieved higher sales by Rs. 203.400 Millions representing an increase of 31% over the previous year. However due to pressure on margins the operating profit (PBDT) was lower by Rs.2.000 Millions. The net profit after tax was lower by Rs.97.100 Millions.

 

In an environment of turmoil and volatility during the year in the oil and petrochemical prices, the Company has been able to maintain its profitability by targeting higher turnover and sourcing the materials from cheaper and new international manufacturers in East-Asian countries.

 

For the current year the sales outlook continues to be positive, though your Directors are conservative on the profitability side due to effect of large foreign exchange fluctuations and continued volatility of. prices compounded with the stress on financial markets due to rise in interest rates of funds from the local banks.

 

CAPITAL AND FINANCE


i. Capital

The reserves of the Company has increased from Rs.31.336 Millions to Rs.45.196 Millions due to incremental profits and the total shareholders funds has gone up to Rs. 55.700 Millions.

 

The working capital has also improved from Rs.722.03 lakhs (last year : Rs.687.11 lakhs) where the investments in bank fixed deposits has increased by Rs.23.75 lakhs required to meet the higher margin requirements for Bank FLCs. The Company continues to avail bank finance for its fund-based and non-fund based requirements same as was available last year.

 

WIND MILL DIVISION

 

The sale of energy through Wind Mill power generation stood at Rs. 2.767 Millions (Previous year : Rs.2.797 Millions). There was an one time income by way of compensation from the Wind Mill Supplier of Rs.5.23 lakhs last year, A total of 10.21 lakh units of energy was generated during the year (Previous year : 10.27 lakhs units).

On the expense side the total expenditure was lower at Rs.28.51 lakhs including depreciation as compared to Rs. 4.342 Millions last year.

 

Net book loss from Wind Mill Div. stood at Rs.0.084 Millions as compared to loss of Rs.1.023 Millions last year.

 

The repayment of the Term loan from IRJEDA is continuing as per schedule.

 

PROPOSED ACTIVITIES

 

The company's proposed activity of setting up a small engineering unit at its MIDC site at Navi Mumbai, is currently in progress though at a slower pace. The construction work has already commenced during the year and is progressing satisfactorily. The Company is also in the process of obtaining clearances for setting up of the unit at the MIDC factory.

 

BANKERS CHARGES REPORT AS PER REGISTRY

 

Corporate identity number of the company

U74899DL1987PLC027388

Name of the company

AROMA ORGANICS LTD

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

4598/12-B, 2nd Floor, Gola Cottage, Ansari Road,

Darya Ganj, Delhi – 110002, India

 

This form is for

Creation of charge

Type of charge

Immovable property

Particular of charge holder

CANARA BANK

Nature of instrument creating charge

LEDTD dated 04-03-2010

Date of instrument Creating the charge

04/03/2010

Amount secured by the charge

Rs.120.500 Millions

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

Rate of Interest

As stipulated by the from time to time.

 

Terms of Repayment

As stipulated by the from time to time.

 

Margin

As stipulated by the from time to time.

 

Extent and Operation of the charge

The bank shall have first charge on the assets secured.

Short particulars of the property or asset(s) charged (including complete address and location of the property)

EMT of Landed at Plot No C-343, TTC Pawane  TTC Industrial area , MIDC, off Thane - Belapur , Navi Mumbai, Dist - Thane. adms 1000 sq,mts. other properties  are  not belonging to Company.

 


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 records 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.54.29

UK Pound

1

Rs.81.09

Euro

1

Rs.70.61

 

 

INFORMATION DETAILS

 

Report Prepared by :

SDA

 


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

4

PAID-UP CAPITAL

1~10

3

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

4

--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

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

 

34

 

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.