|
Country |
|
||
|
Company Name |
ANANDAMELA
ELECTRONICS PRIVATE LIMITED |
Principal Name 1 |
Mr. Tushar Kanti Ghosh |
|
Status |
Moderate |
Principal Name 2 |
Mr. Papiya Ghosh |
|
Registration # |
21-108861 |
||
|
Street Address |
1st Floor, 2, Bidhan Road, Opp. Kanchanjungha Stadium
(Focin Gate), Siliguri – 734001, West Bengal |
||
|
Established Date |
04.04.2006 |
SIC Code |
-- |
|
Telephone# |
91-353-2430544/ 2432308 |
Business Style 1 |
Manufacturers |
|
Fax # |
91-353-2522997 |
Business Style 2 |
Exporter |
|
Homepage |
-- |
Product Name 1 |
Electrical and Electronics Goods |
|
# of employees |
Not Available |
Product Name 2 |
-- |
|
Paid up capital |
Rs. 12,941,000/- |
Product Name 3 |
-- |
|
Shareholders |
Directors or relatives of directors (100%) |
Banking |
State Bank of |
|
Public Limited Corp. |
No |
Business Period |
7 Years |
|
IPO |
No |
International Ins. |
- |
|
Public |
No |
Rating |
B (36) |
|
Related
Company |
|||
|
Relation
|
Country
|
Company
Name |
CEO |
|
Subsidiaries |
-- |
Binsons Plantations Private Limited |
-- |
|
Note |
- |
||
2. Summary
Financial Statement
|
Balance Sheet as of |
31.03.2012 |
(Unit: Indian Rs.) |
|
|
Assets |
Liabilities |
||
|
Current Assets |
49,263,000 |
Current Liabilities |
14,700,000 |
|
Inventories |
32,318,000 |
Long-term Liabilities |
64,568,000 |
|
Fixed Assets |
23,044,000 |
Other Liabilities |
4,007,000 |
|
Deferred Assets |
0,000 |
Total Liabilities |
83,275,000 |
|
Invest& other Assets |
6,777,000 |
Retained Earnings |
10,287,000 |
|
|
|
Net Worth |
28,127,000 |
|
Total Assets |
111,402,000 |
Total Liab. & Equity |
111,402,000 |
|
Total Assets (Previous Year) |
93,029,000 |
|
|
|
P/L Statement as of |
31.03.2012 |
(Unit: Indian Rs.) |
|
|
Sales |
462,476,000 |
Net Profit |
3,454,000 |
|
Sales(Previous yr) |
427,585,000 |
Net Profit(Prev.yr) |
3,320,000 |
|
Report Date : |
03.05.2013 |
IDENTIFICATION DETAILS
|
Name : |
ANANDAMELA ELECTRONICS PRIVATE LIMITED |
|
|
|
|
Registered
Office : |
1st Floor, 2, Bidhan Road, Opp. Kanchanjungha Stadium
(Focin Gate), Siliguri – 734001, West Bengal |
|
|
|
|
Country : |
|
|
|
|
|
Financials (as
on) : |
31.03.2012 |
|
|
|
|
Date of
Incorporation : |
04.04.2006 |
|
|
|
|
Com. Reg. No.: |
21-108861 |
|
|
|
|
Capital
Investment / Paid-up Capital : |
Rs. 12.941 Millions |
|
|
|
|
CIN No.: [Company Identification
No.] |
U32109WB2006PTC108861 |
|
|
|
|
TAN No.: [Tax Deduction &
Collection Account No.] |
CALA09106G |
|
|
|
|
Legal Form : |
Private Limited Liability Company |
|
|
|
|
Line of Business
: |
Manufacturers and Exporter of Electrical and Electronics Goods. |
|
|
|
|
No. of Employees
: |
Not Available |
RATING & COMMENTS
|
MIRA’s Rating : |
B (36) |
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
26-40 |
B |
Capability to overcome financial difficulties seems comparatively
below average. |
Small |
|
Maximum Credit Limit : |
USD 110000 |
|
|
|
|
Status : |
Moderate |
|
|
|
|
Payment Behaviour : |
Slow but correct |
|
|
|
|
Litigation : |
Clear |
|
|
|
|
Comments : |
Subject is an established company having a moderate track record. The
profitability appears to be low. The external borrowing seems to be huge. However, trade relations are reported to be fair. Business is active.
Payments are slow but correct. The company can be considered for business dealings with great
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 |
EXTERNAL AGENCY RATING
|
Rating Agency Name |
CRISIL |
|
Rating |
Long Term Rating: BB |
|
Rating Explanation |
Having moderate risk of default regarding timely servicing of
financial obligation. |
|
Date |
August 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 : |
1st Floor, 2, Bidhan Road, Opp. Kanchanjungha Stadium
(Focin Gate), Siliguri – 734001, West Bengal, India |
|
Tel. No.: |
91-353-2430544/ 2432308 |
|
Fax No.: |
91-353-2522997 |
|
E-Mail : |
DIRECTORS
As on 29.09.2012
|
Name : |
Mr. Tushar Kanti Ghosh |
|||||||||||||||||||||||||||||||||||||||||||||
|
Designation : |
Director |
|||||||||||||||||||||||||||||||||||||||||||||
|
Address : |
“Anandamela”, |
|||||||||||||||||||||||||||||||||||||||||||||
|
Date of Birth/Age : |
01.06.1963 |
|||||||||||||||||||||||||||||||||||||||||||||
|
Date of Appointment : |
04.04.2006 |
|||||||||||||||||||||||||||||||||||||||||||||
|
DIN No.: |
00558717 |
|||||||||||||||||||||||||||||||||||||||||||||
|
PAN No.: |
GLQ3493098 |
|||||||||||||||||||||||||||||||||||||||||||||
|
Other Directorship:
|
||||||||||||||||||||||||||||||||||||||||||||||
|
Name : |
Mr. Papiya Ghosh |
|||||||||||||||||||||||||||||||||||||||||||||
|
Designation : |
Director |
|||||||||||||||||||||||||||||||||||||||||||||
|
Address : |
“Anandamela”, 428/1/459, Girish Ghosh Sarani, Siliguri, District – |
|||||||||||||||||||||||||||||||||||||||||||||
|
Date of Birth/Age : |
04.01.1968 |
|||||||||||||||||||||||||||||||||||||||||||||
|
Date of Appointment : |
10.04.2006 |
|||||||||||||||||||||||||||||||||||||||||||||
|
DIN No.: |
00561243 |
|||||||||||||||||||||||||||||||||||||||||||||
|
Election ID.: |
WB/03/021/276153 |
|||||||||||||||||||||||||||||||||||||||||||||
|
Other Directorship:
|
||||||||||||||||||||||||||||||||||||||||||||||
|
Name : |
Mrs. Shefaly Ghosh |
|
Designation : |
Director |
|
Address : |
“Anandamela”, 428/1/459, Girish Ghosh Sarani, Siliguri – 734 001,
District – |
|
Date of Birth/Age : |
01.01.1932 |
|
Date of Appointment : |
10.04.2006 |
|
DIN No.: |
00561210 |
|
Election ID.: |
WB/03/021/276742 |
|
Name : |
Mr. Hirendra Mitra |
|
Designation : |
Director |
|
Address : |
|
|
Date of Birth/Age : |
08.03.1935 |
|
Date of Appointment : |
10.04.2006 |
|
DIN No.: |
00573120 |
|
Election ID.: |
WB/04/025/1005636 |
|
Name : |
Mr. Shukla Dey |
|
Designation : |
Director |
|
Address : |
|
|
Date of Birth/Age : |
15.12.1954 |
|
Date of Appointment : |
10.04.2006 |
|
DIN No.: |
00573144 |
|
Name : |
Mr. Soma Dey |
|
Designation : |
Director |
|
Address : |
|
|
Date of Birth/Age : |
06.11.1976 |
|
Date of Appointment : |
10.04.2006 |
|
DIN No.: |
00573157 |
|
Name : |
Mr. Debjyoti Ghosh |
|
Designation : |
Director |
|
Address : |
“Anandamela”, 428/1/459, Girish Ghosh Sarani, Siliguri – 734 001,
District – Darjeeling, West Bengal, India
|
|
Date of Birth/Age : |
06.11.1976 |
|
Date of Appointment : |
01.04.2011 |
|
DIN No.: |
05236996 |
|
PAN No.: |
BBLPG7454H |
|
Name : |
Mr. Dey Shukla |
|
Designation : |
Director |
|
Address : |
|
|
Date of Birth/Age : |
15.12.1954 |
|
Date of Appointment : |
10.04.2006 |
|
Election ID.: |
WB/04/025/1005390 |
MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN
As on 29.09.2012
|
Names of Shareholders |
|
No. of Shares |
|
Tushar Kanti Ghosh |
|
196322 |
|
Hirendranath Mitra |
|
263116 |
|
Parthasarathi Mitra |
|
134743 |
|
Shukla Dey |
|
242861 |
|
Soma Dey |
|
129446 |
|
Shanta Paul |
|
130123 |
|
Papiya Ghosh |
|
40000 |
|
Shefaly
Ghosh
|
|
42500 |
|
Sunil Bose |
|
55000 |
|
Samrat Roy |
|
30000 |
|
Shyamali Roy |
|
30000 |
|
|
|
|
|
Total |
|
1294111 |
Equity Share Break up (Percentage of Total Equity)
As on 29.09.2012
|
Category |
Percentage |
|
Directors or relatives of Directors |
100.00 |
|
Total |
100.00 |
BUSINESS DETAILS
|
Line of Business : |
Manufacturers and Exporter of Electrical and Electronics Goods. |
GENERAL INFORMATION
|
No. of Employees : |
Not Available |
||||||||||||||||
|
|
|
||||||||||||||||
|
Bankers : |
· State Bank of India, SME Branch, 5th Floor, Sky Star Building, Sevoke Road, Siliguri – 734001, West Bengal, India · Axis Bank Limited |
||||||||||||||||
|
|
|
||||||||||||||||
|
Facilities : |
|
|
|
|
|
Banking
Relations : |
-- |
|
|
|
|
Auditors : |
|
|
Name : |
D.K. Banerjee and Company Chartered Accountants |
|
Address : |
51, |
|
Pan No.: |
ADHPB0105D |
|
|
|
|
Subsidiaries : |
Binsons Plantations Private Limited CIN No.: U01132WB1997PTC085936 |
CAPITAL STRUCTURE
As on 31.03.2012
Authorised Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
|
|
|
|
|
2000000 |
Equity Shares |
Rs. 10/- each |
Rs. 20.000 Millions |
|
|
|
|
|
Issued, Subscribed & Paid-up Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
|
|
|
|
|
1294111 |
Equity Shares |
Rs. 10/- each |
Rs. 12.941 Millions |
|
|
|
|
|
FINANCIAL DATA
[all figures are
in Rupees Millions]
ABRIDGED BALANCE
SHEET
|
SOURCES OF FUNDS |
31.03.2012 |
31.03.2011 |
31.03.2010 |
|
|
SHAREHOLDERS FUNDS |
|
|
|
|
|
1] Share Capital |
12.941 |
12.941 |
5.891 |
|
|
2] Share Application Money |
4.899 |
1.998 |
7.549 |
|
|
3] Reserves & Surplus |
10.287 |
6.833 |
3.514 |
|
|
4] (Accumulated Losses) |
0.000 |
0.000 |
0.000 |
|
|
NETWORTH |
28.127 |
21.772 |
16.954 |
|
|
LOAN FUNDS |
|
|
|
|
|
1] Secured Loans |
51.372 |
45.442 |
35.929 |
|
|
2] Unsecured Loans |
13.196 |
11.335 |
10.822 |
|
|
TOTAL BORROWING |
64.568 |
56.777 |
46.751 |
|
|
DEFERRED TAX LIABILITIES |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
92.695 |
78.550 |
63.705 |
|
|
|
|
|
|
|
|
APPLICATION OF FUNDS |
|
|
|
|
|
|
|
|
|
|
|
FIXED ASSETS [Net Block] |
23.044 |
24.683 |
1.603 |
|
|
Capital work-in-progress |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
INVESTMENT |
6.777 |
6.777 |
6.978 |
|
|
DEFERREX TAX ASSETS |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
CURRENT ASSETS, LOANS & ADVANCES |
|
|
|
|
|
|
Inventories |
32.318
|
27.427
|
19.990
|
|
|
Sundry Debtors |
18.621
|
13.348
|
17.091
|
|
|
Cash & Bank Balances |
16.247
|
10.750
|
8.817
|
|
|
Other Current Assets |
0.511
|
0.511
|
0.203
|
|
|
Loans & Advances |
13.884
|
9.533
|
12.984
|
|
Total
Current Assets |
81.581
|
61.569
|
59.085 |
|
|
Less : CURRENT
LIABILITIES & PROVISIONS |
|
|
|
|
|
|
Sundry Creditor |
10.692
|
10.843
|
1.535
|
|
|
Other Current Liabilities |
4.008
|
1.174
|
1.448
|
|
|
Provisions |
4.007
|
2.463
|
0.978
|
|
Total
Current Liabilities |
18.707
|
14.479
|
3.961 |
|
|
Net Current Assets |
62.874
|
47.090
|
55.124
|
|
|
|
|
|
|
|
|
MISCELLANEOUS EXPENSES |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
92.695 |
78.550 |
63.705 |
|
PROFIT & LOSS
ACCOUNT
|
|
PARTICULARS |
31.03.2012 |
31.03.2011 |
31.03.2010 |
|
|
|
SALES |
|
|
|
|
|
|
|
Income |
462.476 |
427.585 |
358.722 |
|
|
|
Other Income |
3.396 |
0.001 |
0.025 |
|
|
|
TOTAL (A) |
465.872 |
427.586 |
358.747 |
|
|
|
|
|
|
|
|
Less |
EXPENSES |
|
|
|
|
|
|
|
Cost of Goods Sold |
-- |
401.000 |
338.251 |
|
|
|
Purchase of stock in trade |
441.022 |
-- |
-- |
|
|
|
Change in inventories of stock in trade |
(4.891) |
-- |
-- |
|
|
|
Employees benefit expenses |
3.442 |
|
|
|
|
|
Payment to Staff |
-- |
0.446 |
1.338 |
|
|
|
Rent and Taxes |
-- |
1.798 |
0.681 |
|
|
|
Advertisement and Publicity |
-- |
0.021 |
0.108 |
|
|
|
Director’s Remuneration |
-- |
2.220 |
2.652 |
|
|
|
Repairs and Maintenance |
-- |
0.077 |
0.180 |
|
|
|
Other Expenditure |
9.656 |
6.497 |
6.088 |
|
|
|
TOTAL (B) |
449.229 |
412.059 |
349.298 |
|
|
|
|
|
|
|
|
Less |
PROFIT
BEFORE INTEREST, TAX, DEPRECIATION AND AMORTISATION (A-B) (C) |
16.643 |
15.527 |
9.449 |
|
|
|
|
|
|
|
|
|
Less |
FINANCIAL
EXPENSES (D) |
8.886 |
7.780 |
5.995 |
|
|
|
|
|
|
|
|
|
|
PROFIT
BEFORE TAX, DEPRECIATION AND AMORTISATION (C-D) (E) |
7.757 |
7.747 |
3.454 |
|
|
|
|
|
|
|
|
|
Less/ Add |
DEPRECIATION/
AMORTISATION (F) |
2.759 |
2.942 |
0.290 |
|
|
|
|
|
|
|
|
|
|
PROFIT BEFORE
TAX (E-F) (G) |
4.998 |
4.805 |
3.164 |
|
|
|
|
|
|
|
|
|
Less |
TAX (H) |
1.544 |
1.485 |
1.025 |
|
|
|
|
|
|
|
|
|
|
PROFIT AFTER TAX
(G-H) (I) |
3.454 |
3.320 |
2.139 |
|
|
|
|
|
|
|
|
|
Add |
PREVIOUS
YEARS’ BALANCE BROUGHT FORWARD |
10.153 |
6.833 |
3.514 |
|
|
|
|
|
|
|
|
|
|
BALANCE CARRIED
TO THE B/S |
13.607 |
10.153 |
5.653 |
|
|
|
|
|
|
|
|
|
|
Earnings Per
Share (Rs.) |
2.67 |
16.82 |
3.71 |
|
KEY RATIOS
|
PARTICULARS |
|
31.03.2012 |
31.03.2011 |
31.03.2010 |
|
PAT / Total Income |
(%) |
0.74
|
0.78
|
0.60
|
|
|
|
|
|
|
|
Net Profit Margin (PBT/Sales) |
(%) |
1.08
|
1.12
|
0.88
|
|
|
|
|
|
|
|
Return on Total Assets (PBT/Total Assets} |
(%) |
6.13
|
5.57
|
5.21
|
|
|
|
|
|
|
|
Return on Investment (ROI) (PBT/Networth) |
|
0.18
|
0.22
|
0.19
|
|
|
|
|
|
|
|
Debt Equity Ratio (Total Debt /Networth) |
|
2.30
|
2.61
|
2.76
|
|
|
|
|
|
|
|
Current Ratio (Current Asset/Current Liability) |
|
4.36
|
4.25
|
14.92
|
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 |
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 |
Yes |
|
17] |
Major suppliers |
No |
|
18] |
Major customers |
No |
|
19] |
Payments terms |
No |
|
20] |
Export / Import details
(if applicable) |
No |
|
21] |
Market information |
-- |
|
22] |
Litigations that the firm
/ promoter involved in |
-- |
|
23] |
Banking Details |
Yes |
|
24] |
Banking facility details |
Yes |
|
25] |
Conduct of the banking
account |
-- |
|
26] |
Buyer visit details |
-- |
|
27] |
Financials, if provided |
Yes |
|
28] |
Incorporation details, if
applicable |
Yes |
|
29] |
Last accounts filed at
ROC |
No |
|
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 |
Yes |
|
34] |
External Agency Rating,
if available |
Yes |
|
Unsecured Loan |
31.03.2012 (Rs.
in Millions) |
|
Anandameb Leading Company |
2.528 |
|
Archana Sarkar |
0.305 |
|
Amn Kumat Gin |
0.504 |
|
Aahok Kumar Gin |
0.794 |
|
Jyoti Giri |
0.751 |
|
Papiya Ghosh |
1.402 |
|
Rahul Ghosh |
0.011 |
|
Rathindra Chandra Chakraborty |
0.486 |
|
Rudendra Chakraborty |
0.386 |
|
Samrat Roy |
0.429 |
|
Sefali Ghosh |
1.002 |
|
Shib NaTh Mitra |
0.191 |
|
Shyam Sunder Gin |
0.664 |
|
Shyamah Roy |
0.570 |
|
Siben SarKar |
0.547 |
|
Smnti Chakraborty |
0.988 |
|
Soma Dey |
0.420 |
|
Umesh Kumar Gin |
0.513 |
|
Utpal Chakraborty |
0.705 |
|
|
|
|
Total |
13.196 |
|
Unsecured Loans |
(Rs.
In Millions ) 31.03.2011 |
|
From Directors
and Shareholders |
11.335 |
|
|
|
|
Total |
11.335 |
BANKERS CHARGES
REPORT AS PER REGISTRY
|
Corporate
identity number of the company |
U32109WB2006PTC108861 |
|
Name of the
company |
ANANDAMELA ELECTRONICS PRIVATE LIMITED |
|
Address of the
registered office or of the principal place of business in |
1st Floor, 2, Bidhan Road, Opp. Kanchanjungha Stadium
(Focin Gate), Siliguri – 734001, West Bengal, India |
|
This form is for |
Modification of
charge |
|
Charge
identification (ID) number of the charge to be modified |
80036065 |
|
Type of charge |
Immovable property Any interest in immovable property Book debts Movable property (not being pledge) Floating charge |
|
CIN: |
U32109WB2006PTC108861 |
|
Particular of
charge holder |
State Bank of India, SME Branch, 5th Floor, Sky Star Building, Sevoke Road, Siliguri – 734001, West Bengal, India |
|
Nature of
instrument creating charge |
1. Supplemental
Agreement of Hypothecation; 2. Memorandum for
recording extension of Mortgage by deposit of Title Deeds covering enhanced
limits. |
|
Date of
instrument Creating the charge |
27.12.2011 |
|
Amount secured by
the charge |
Rs.55.764
Millions |
|
Brief of the
principal terms an conditions and extent and operation of the charge |
Rate of Interest Working Capital- 4.25%
above Base Rate(BR presently 10%) i.e. 14.25% p.a.;Term Loan- 4.25% above
BR+Term Premia (0.75%);i.e.15.00% p.a.- both at monthly rests. SLC - present
rate - 15.25% p.a. Terms of
Repayment Working Capital -
repayable on demand. Term Loan - as
per existing terms. Margin Term Loan - 40%
of Building. Working Capital - Finished goods - 25%; Domestic
Receivables (90 days cover) - 35%. Extent and
Operation of the charge The charge
operates as security for the overall enhanced limit of Rs. 5,57,64,000/-
(Rupees Five crores, fifty-seven lacs, sixty-four thousand only) by first
charge by way of Hypothecation of all movable and immovable assets including
book debts and other receivables and mortgage of immovable properties of the
Company, further secured by Personal Guarantee of Directors backed by
mortgage of respective immovable properties of 2 Directors namely - Sri
Tushar Kanti Ghosh and Smt. Papiya Ghosh. Others 2ONE |
|
Short particulars
of the property or asset(s) charged (including complete address and location
of the property) |
All movable and
immovable assets including book debts and other receivables i.e. entire
current assets of the Company. 3,200 sq. ft.
showroom with common area and undivided share in 20 kathas,10 chataks and
31.8 sq. ft. land vide Deed no. I-2010 at Sevoke Rd, Khatian no.5298,Plot
no.9607(Part), P.S. and Mouza-Siliguri. 3 kathas land
with 3 storied residential building in Plot no.10493,Kh. no.4759, at 32
Girish Ghish Sarani, Hakimpara, Siliguri vide Deed no. I-1459 - Owner Shri
Tushar Kanti Ghosh. 3 kathas land in
Plot nos. 32, 129/758,Kh. no.589/1,J.L. no. 2, Sheet No. 13, Mouza
Dabgram,Dist. Jalpaiguri vide Deed no.
I-224/08 - Owner Shri Tushar Kanti Ghosh. 15.50 kathas land
in plot no. 53/738 and 51, Khatian no. 595, Mouza Dabgram,Dist. Jalpaiguri
vide Deed no. I-222/2008 - Owner Shri
Tushar Kanti Ghosh 5.50 kathas land
and 1 storied residential building in plot nos. 32,129/758,125,Kh.
no.589/1,J.L. no. 2, Mouza Dabgram,Dist. Jalpaiguri vide Deed no. I-224/08 - Owner Shri Tushar Kanti
Ghosh. 1st floor Flat
no.2A,1406 sq. ft. incl. proportionate undivided area of Plot
no.10273,Khatian no. 5061, P.S. and Mouza-Siliguri vide Deed no. I-1134 - Owner - Smt. Papiya Ghosh. |
|
Date of
instrument modifying the charge |
12.10.2010 |
|
Particulars of
the present modification |
Overall Limit
enhanced to Rs. 55.764 Millions all other terms and conditions other than
rate of interest remaining same. |
FIXED ASSETS:
·
Land and Building
·
Puja Showroom
·
Air Conditioner
·
Computer
·
EPBAX System
·
Fax Machine
·
Furniture and Fixtures
·
Inverter
·
Mobile Instruments
·
Vehicles
·
Storewell
·
Electric Installation
·
Showroom
·
Refrigerator
·
Vending Machine
·
Electric Installations
·
Refrigerator
·
Showroom
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.53.73 |
|
|
1 |
Rs.83.54 |
|
Euro |
1 |
Rs.70.71 |
INFORMATION DETAILS
|
Report Prepared
by : |
KVT |
SCORE & RATING EXPLANATIONS
|
SCORE FACTORS |
RANGE |
POINTS |
|
HISTORY |
1~10 |
4 |
|
PAID-UP CAPITAL |
1~10 |
4 |
|
OPERATING SCALE |
1~10 |
4 |
|
FINANCIAL CONDITION |
|
|
|
--BUSINESS SCALE |
1~10 |
4 |
|
--PROFITABILIRY |
1~10 |
4 |
|
--LIQUIDITY |
1~10 |
4 |
|
--LEVERAGE |
1~10 |
4 |
|
--RESERVES |
1~10 |
4 |
|
--CREDIT LINES |
1~10 |
4 |
|
--MARGINS |
-5~5 |
-- |
|
DEMERIT POINTS |
|
|
|
--BANK CHARGES |
YES/NO |
YES |
|
--LITIGATION |
YES/NO |
NO |
|
--OTHER ADVERSE INFORMATION |
YES/NO |
NO |
|
MERIT POINTS |
|
|
|
--SOLE DISTRIBUTORSHIP |
YES/NO |
NO |
|
--EXPORT ACTIVITIES |
YES/NO |
NO |
|
--AFFILIATION |
YES/NO |
YES |
|
--LISTED |
YES/NO |
NO |
|
--OTHER MERIT FACTORS |
YES/NO |
YES |
|
DEFAULTER |
|
|
|
--RBI |
YES/NO |
NO |
|
--EPF |
YES/NO |
NO |
|
TOTAL |
|
36 |
This score serves as a reference to assess
SC’s credit risk and to set the amount of credit to be extended. It is
calculated from a composite of weighted scores obtained from each of the major
sections of this report. The assessed factors and their relative weights (as
indicated through %) are as follows:
Financial
condition (40%) Ownership
background (20%) Payment
record (10%)
Credit history
(10%) Market trend (10%) Operational size
(10%)
RATING EXPLANATIONS
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
>86 |
Aaa |
Possesses an extremely sound financial base with the strongest
capability for timely payment of interest and principal sums |
Unlimited |
|
71-85 |
Aa |
Possesses adequate working capital. No caution needed for credit
transaction. It has above average (strong) capability for payment of interest
and principal sums |
Large |
|
56-70 |
A |
Financial & operational base are regarded healthy. General
unfavourable factors will not cause fatal effect. Satisfactory capability for
payment of interest and principal sums |
Fairly Large |
|
41-55 |
Ba |
Overall operation is considered normal. Capable to meet normal
commitments. |
Satisfactory |
|
26-40 |
B |
Capability to overcome financial difficulties seems comparatively below
average. |
Small |
|
11-25 |
Ca |
Adverse factors are apparent. Repayment of interest and principal sums
in default or expected to be in default upon maturity |
Limited with
full security |
|
<10 |
C |
Absolute credit risk exists. Caution needed to be exercised |
Credit not
recommended |
|
NB |
NEW BUSINESS |
||
This report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL)
or its officials.