MIRA INFORM REPORT

 

 

Report Date :

04.05.2013

 

IDENTIFICATION DETAILS

 

Name :

WAAREE ENERGIES PRIVATE LIMITED (w.e.f. 12.12.2007)

 

 

Formerly Known As :

WAAREE ENERGIES PRIAVE LIMITED (w.e.f. 15.10.2007)

WAAREE SOLAR PRIVATE LIMITED (w.e.f. 25.04.2007)

ANMOL FLUID CONNECTORS PRIVATE LIMITED

 

 

Registered Office :

602, 6th Floor, Western Edge - I, Western Express Highway, Borivali (East), Mumbai – 400 066, Maharashtra

 

 

Country :

India

 

 

Financials (as on) :

31.03.2012

 

 

Date of Incorporation :

18.12.1990

 

 

Com. Reg. No.:

11-059463

 

 

Capital Investment / Paid-up Capital :

Rs.750.000 Millions

 

 

CIN No.:

[Company Identification No.]

U29248MH1990PTC059463

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

MUMA09380A

 

 

PAN No.:

[Permanent Account No.]

AAACA4043J

 

 

Legal Form :

Private Limited Liability Company

 

 

Line of Business :

Manufacturing and Trading of Solar Photovoltaic Modules.

 

 

No. of Employees :

Not Available

 

 

RATING & COMMENTS

 

MIRA’s Rating :

B (35)

 

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 a part of ‘Waaree Group of Companies’. It is an established company having a moderate track record. The company has shown better improvement in its performance by earning better profits and thereby wiping off its accumulated losses during 2012. Trade relations are reported as fair. Business is active. Payments are reported to be slow but correct.

 

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

 

NOTES :

Any query related to this report can be made on e-mail : infodept@mirainform.com while quoting report number, name and date.

 

ECGC Country Risk Classification List – 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

Moderate risk of default

Date

31.07.2012

 

 

Rating Agency Name

CRISIL

Rating

Short Term Rating: A4+

Rating Explanation

Minimal degree of safety and very high credit risk

Date

31.07.2012

 

 

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/ Head Office :

602, 6th Floor, Western Edge - I, Western Express Highway, Borivali (East), Mumbai – 400 066, Maharashtra, India

Tel. No.:

91-22-66444444

Fax No.:

91-22-66444400

E-Mail :

pratikshah@waaree.com

infosolae@waaree.com

waaree@waaree.com 

Website :

http://www.waaree.com

 

 

Factory  :

Plot No.231-236, Surat Special Economic Zone, Diamond Park, Sachin, Surat – 394 230, Gujarat, India

Tel. No.:

91-261-2398661

 

 

Branch Office :

Located at:

 

  • Delhi 
  • Chennai
  • Kolkata
  • Gujarat

 

 

DIRECTORS

 

As on 29.09.2012

 

Name :

Mr. Hitesh Chimanlal Doshi

Designation :

Director

Address :                            

93/94, Mahagiri Co-Operative Housing Society, Ashok Chakravarty Road, Kandivali (East), Mumbai - 400 101, Maharashtra, India

Date of Birth/Age :

22.02.1967

Date of Appointment :

16.02.2007

DIN No.:

00293668

PAN No.:

AABPD0625P

 

 

Name :

Mr. Viren Chimanlal Doshi

Designation :

Director

Address :               

93/94, Mahagiri Co-Operative Housing Society, Ashok Chakravarty Road, Kandivali (East), Mumbai - 400 101, Maharashtra, India

Date of Birth/Age :

06.11.1968

Date of Appointment :

26.11.2007

DIN No.:

00207121

PAN No.:

AABPD0626Q

 

 

Name :

Mr. Modesto Volpe

Designation :

Director

Address :

Corso Mazzini, 61, Lodi-26900, Italy

Date of Birth/Age :

09.04.1955

Date of Appointment :

30.09.2010

DIN No.:

02895190

 

 

Name :

Mr. Hitesh Pranjivan Mehta

Designation :

Director

Address :

F-202, Krishna Residency, Near Dalmia College, Sundar Nagar, Malad (West), Mumbai – 400 064, Maharashtra, India   

Date of Birth/Age :

29.06.1965

Date of Appointment :

01.04.2011

DIN No.:

00207506

PAN No.:

AAEPM2214J

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

As on 29.09.2012

 

Names of Shareholders

 

 

No. of Shares

Chimanlal T. Doshi

 

754347

Binita H. Doshi

 

945500

Pankaj C. Doshi HUF Rep. by Karta Pankaj C. Doshi

 

2902436

Chimanlal Doshi HUF Rep. by Karta Chimanlal Doshi

 

1568652

Bindiya K. Doshi

 

7564298

Kirit C. Doshi

 

1330755

Viren C. Doshi

 

2097354

Bina P. Doshi

 

2135751

Hitesh C. Doshi HUF Rep. by Karta Hitesh C. Doshi

 

1155685

Pankaj C. Doshi

 

376080

Rasila C. Doshi

 

7648982

Viren C. Doshi HUF Rep. by Karta Viren C. Doshi

 

2584615

Mahavir Thermoequip Private Limited, India

 

32446928

Neepa V. Doshi

 

1172687

V.T. Telemetica, Italy

 

2400000

Tejas J. Mehta

 

276500

Kirit C, Doshi HUF Rep. by Karta Kirit C. Doshi

 

1076928

Patan Solar Private Limited, India

 

6562500

Divya Parekh

 

1

Jayesh D. Shah

 

1

Total

 

75000000

 

As on 29.09.2012

 

Equity Share Breakup

 

Percentage of Holding

Category

 

 

Foreign holdings [Foreign institutional investors, Foreign Companies, Foreign Financial Institutions, Non-resident Indian or Overseas corporate bodies or others]

 

3.57

Bodies corporate

 

52.01

Directors or relatives of directors

 

44.24

Other top fifty shareholders

 

0.18

Total

 

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Manufacturing and Trading of Solar Photovoltaic Modules.

 

 

Products :

Item Code No. (ITC Code)

85437092

Product Description

Equipments or gadgets based on Solar Energy

 

PRODUCTION STATUS (AS ON 31.03.2011)

 

Installed Capacity (Megawatts)

(Unit in Lacs MT)

Particulars

 

2010-11

Licensed Capacity

N.A.

Installed Capacity

30.00

Actual Production

11.75

 

 

GENERAL INFORMATION

 

No. of Employees :

Not Available

 

 

Bankers :

  • State Bank of India, Goregaon (East) Branch, Jayprakash Nagar, ASPM Building, J.P. Road, Goregaon (East), Mumbai – 400 063, Maharashtra, India
  • ICICI Bank Limited
  • State Bank of India, Industrial Finance Branch, S.V. Road, Malad (West), Mumbai – 400 064, Maharashtra, India
  • Syndicate Bank

 

 

Facilities :

Secured Loans

31.03.2012

(Rs. in Millions)

31.03.2011

(Rs. in Millions)

SHORT-TERM BORROWINGS

 

 

Working capital loans from banks

(Hypothecation of entire current assets and Plant and Machinery and collaterally secured by mortgage of factory land and building.)

202.503

0.000

Total

202.503

0.000

 

 

 

Banking Relations :

-

 

 

Auditors :

 

Name :

Singrodia and Goyal and Company

Chartered Accountants

Address :

4A, Kaledonia HDIL, 2nd Floor, Sahar Road, Near Andheri Station, Andheri (East), Mumbai - 400 069, Maharashtra, India

PAN No.:

AAAFS7106D

 

 

Subsidiary Company :

Blue Rays Solar Private Limited, India (CIN No.: U40106MH2010PTC208561)

 

 

Enterprises which are owned, or have significant influence of or are partners with Key management :

personnel and their relatives

  • Patan Solar Private Limited (CIN No.: U40102MH2010PTC206704)
  • Waaree Oils Private Limited, India (CIN No.: U11100MH2008PTC183254)
  • Mahavir Thermoequip, India 
  • Mahavir Thermoequip Private Limited, India (CIN No.: U33120MH1994PTC076496)
  • OMNTEC Waaree ATG Private Limited, India (CIN No.: U29253MH2007PTC166988)
  • Bonetti Waaree India Private Limited, India (CIN No.: U51109MH2009PTC189836)
  • Waarev Sensors Private Limited, India (CIN No.: U29219MH2006PTC163370)
  • Waaree Retails Private Limited, India (CIN No.: U31900MH2007PTC171987)
  • Waaree Industries Private Limited, India (CIN No.: U40106MH2010PTC208323)
  • Sunbless Solar Private Limited, India (CIN No.: U40106MH2010PTC205911)
  • Waaree Infrastructure and Agritech Private Limited, India (CIN No.: U32109MH1998PTC116358)
  • Greentech Power Private Limited, India (CIN No.: U74999HR2010PTC047509)
  • Baumer Technologies India Private Limited, India (CIN No.: U29299MH1989PTC050808)

 

 

CAPITAL STRUCTURE

 

As on 29.09.2012

 

Authorised Capital :

No. of Shares

Type

Value

Amount

100000000

Equity Shares

Rs.10/- each

Rs.1000.000 Millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

75000000

Equity Shares

Rs.10/- each

Rs.750.000 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

750.000

250.000

120.000

2] Share Application Money

0.000

0.000

0.000

3] Reserves & Surplus

105.190

0.000

0.000

4] (Accumulated Losses)

0.000

(54.774)

(55.999)

NETWORTH

855.190

195.226

64.001

LOAN FUNDS

 

 

 

1] Secured Loans

202.503

0.000

162.987

2] Unsecured Loans

85.700

461.567

32.115

TOTAL BORROWING

288.203

461.567

195.102

DEFERRED TAX LIABILITIES

14.517

11.058

8.061

 

 

 

 

TOTAL

1157.910

667.851

267.164

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

220.960

176.426

178.083

Capital work-in-progress

0.000

1.295

4.989

 

 

 

 

INVESTMENT

117.740

0.000

0.000

DEFERRED TAX ASSETS

0.000

0.000

0.000

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

286.744
198.865
47.924

 

Sundry Debtors

635.579
194.424
58.873

 

Cash & Bank Balances

110.443
37.988
1.359

 

Other Current Assets

75.982
99.680
0.000

 

Loans & Advances

168.040
9.368
25.858

Total Current Assets

1276.788
540.325
134.014

Less : CURRENT LIABILITIES & PROVISIONS

 
 

 

 

Sundry Creditors

295.071
36.073
40.877

 

Other Current Liabilities

133.682
12.447
4.820

 

Provisions

28.825
1.675
4.225

Total Current Liabilities

457.578
50.195
49.922

Net Current Assets

819.210
490.130
84.092

 

 

 

 

MISCELLANEOUS EXPENSES

0.000

0.000

0.000

 

 

 

 

TOTAL

1157.910

667.851

267.164

 

 

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

31.03.2012

31.03.2011

31.03.2010

 

SALES

 

 

 

 

 

Income

2392.353

(Gross Revenue)

1103.877

279.009

 

 

Other Income

NA

NA

NA

 

 

TOTAL                                    

NA

NA

NA

 

 

 

 

 

Less

EXPENSES

NA

NA

NA

 

 

 

 

 

 

PROFIT / (LOSS) BEFORE TAX, DEPRECIATION AND AMORTISATION

212.522

NA

(14.257)

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                    

11.178

NA

10.145

 

 

 

 

 

 

PROFIT / (LOSS) BEFORE TAX

201.344

NA

(24.402)

 

 

 

 

 

Less

TAX                                                                 

41.380

NA

2.174

 

 

 

 

 

 

PROFIT / (LOSS) AFTER TAX

159.964

1.226

(26.576)

 

 

 

 

 

Add

PREVIOUS YEARS’ BALANCE BROUGHT FORWARD

NA

(55.999)

(29.423)

 

 

 

 

 

 

BALANCE CARRIED TO THE B/S

NA

NA

(55.999)

 

 

 

 

 

 

EARNINGS IN FOREIGN CURRENCY

186.713

370.631

75.636

 

 

 

 

 

 

IMPORT VALUE

NA

375.554

215.469

 

 

 

 

 

 

Earnings / (Loss) Per Share (Rs.)

4.04

0.09

(2.21)

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2012

31.03.2011

31.03.2010

Net Profit Margin

(PBT/Sales)

(%)

NA
NA
(8.75)

 

 

 
 
 

Return on Total Assets

(PBT/Total Assets}

(%)

13.44
NA
(7.82)

 

 

 
 
 

Return on Investment (ROI)

(PBT/Networth)

 

0.24
NA
(0.38)

 

 

 
 
 

Debt Equity Ratio

(Total Debt/Networth)

 

0.34
2.36
3.05

 

 

 
 
 

Current Ratio

(Current Asset/Current Liability)

 

2.79
10.76
2.68

 

 

LOCAL AGENCY FURTHER INFORMATION

 

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

Yes

30) Major Shareholders, if available

Yes

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

Yes

32) PAN of Proprietor/Partner/Director, if available

Yes

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

No

34) External Agency Rating, if available

Yes

 

 


 

Unsecured Loans

31.03.2012

(Rs. in Millions)

31.03.2011

(Rs. in Millions)

SHORT-TERM BORROWINGS

 

 

Loans and advances from others

80.003

460.860

Other loans and advances

5.697

0.707

Total

85.700

461.567

 

Note:

The registered office address of the company has been shifted from 36/37, Damji Shyamji Industrial Complex, Mahakali Caves Road, Andheri (East), Mumbai - 400 093, Maharashtra, India” to the present address w.e.f. 01.10.2011.

 

FINANCIAL RESULTS:

 

The Company has earned gross revenue of Rs.2392.353 millions and earned profit of Rs.159.964 millions after making provision for current years taxation of Rs.41.380 millions and provision for depreciation of Rs.11.178 millions.

 

CONTINGENT LIABILITIES

 

Particulars

31.03.2012

(Rs. in Millions)

Claims against the Company not acknowledged as debts:

7.881

Guarantee given by Bank on behalf of the Company

84.861

Letter of Credit Outstanding

277.345

Total

370.087

 

Bankers Charges Report as per Registry

 

Corporate identity number of the company

U29248MH1990PTC059463

Name of the company

WAAREE ENERGIES PRIVATE LIMITED

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

602, 6th Floor, Western Edge - I, Western Express Highway, Borivali (East), Mumbai – 400 066, Maharashtra, India

E-mail Id : pratikshah@waaree.com

This form is for

Modification of charge

Charge identification (ID) number of the charge to be modified

10322772

Type of charge

Immovable property

Book debts

Movable property (not being pledge)

Others (Stocks, Plant & Machineries and all Current Assets)

Particular of charge holder

State Bank of India, Jayprakash Nagar, ASPM Building, J.P. Road, Goregaon (East), Mumbai - 400 063, Maharashtra, India

E-mail Id : sbifmd@bom8.vsnl.net.in

Nature of instrument creating charge

(1) Supplemental Agreement of Loan Cum Hypothecation dated 03.11.2012; and

(2) Memorandum for Recording Extension of Mortgage by Deposit of Title Deeds dated 03.11.2012;

(3) Letter of Arrangement dated 03.11.2012;

(4) Guarantee Agreement dated 03.11.2012.

All constituting single charge.

Date of instrument Creating the charge

03.11.2012

Amount secured by the charge

Rs.1000.000 Millions

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

Rate of Interest

CC /WCDL /BD : 12.75 %

LC / BG : 12.75 % (Card Rate)

and such other rate as agreed with the bank from time to time.

 

Terms of Repayment

Repayable on demand.

 

Margin

CC : 25% on RM, 40% on SIP, 33.33% on FG, 40% on receivables, 20% on LC, 20% on BG.

and such other margin as agreed with the bank from time to time.

 

Extent and Operation of the charge

First Charge ranking pari passu on entire Current Assets of company present and future, Plant and Machinery and Immovable properties as mentioned in mortgage deed.

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

Entire Current Assets of the Company Present and Future, Plant and Machinery of the Company.

 

Equitable Mortgage on Plot No.231-236, Surat SEZ, Diamond Park, Sachin, Surat 394 230 owned by Company.

TDR owned by the Company.

 

Equitable Mortgage on Flat 131, Mahagiri CHSL, A. C. Road, Kandivali (East), Mumbai 400 101 owned by Pankaj Doshi.

 

Equitable Mortgage on Flat 132, Mahagiri CHSL, A. C. Road, Kandivali (East), Mumbai 400 101 owned by Bina Doshi.

Date of instrument modifying the charge

23.11.2011

Particulars of the present modification

Total Credit Limit has been Enhanced from Rs.700.000 Millions to Rs.1000.000 Millions.

(Increase in Fund Based Limit by Rs.150.000 Millions and Increase in Non Fund Based Limit by Rs.150.000 Millions)

 

FIXED ASSETS:

 

·         Freehold Land

·         Leasehold Land

·         Buildings

·         Electrical Installation

·         Computer and Printers

·         Office Equipment

·         Furniture and Fittings

·         Plant and Machinery

·         Motor Car

 

PRESS RELEASE:

 

WAAREE EMBARKS ON THE NEW YEAR BAGGING A 5 MW PROJECT FROM FRIENDS GROUP

 

JANUARY, 2013

 

WAAREE Energies, one of India’s leading solar power developer and turnkey solution expert, has won a major contract of 5 MW Project from Gujarat based company “Friends Salt works and Allied Industries ” WAAREE will be setting up the Solar Photovoltaic power plant at Village Bid Pipalya, Susner, Madhya Pradesh. WAAREE’s scope of the work envisages design, manufacture, supply, installation, operation and maintenance of the solar power plant. Significantly, WAAREE is utilizing the all so popular WAAREE Polycrystalline Solar Panels for this power plant, known for their durability and longevity manufactured at their avant-garde 110 MW automated production facility at Surat (SEZ) A very pleased Mr. Hitesh Doshi, Chairman WAAREE Group said “This project has reinforced our growth momentum as we enter 2013 and strengthened WAAREE Energies ability to secure and execute mega-scale solar power projects that provide substantial tax benefits and end-user savings while considerably lowering carbon footprint. We feel extremely proud to provide such remarkable economic and environmental benefits to our stakeholders.”

 

WAAREE Energies Private Limited is one of India’s most diversified and fastest growing solar power solution company, a part of the consortium of WAAREE Group established in 1989, India’s premier multi-diverse technology group having its forte in multifarious verticals such as Solar Energy, Industrial Valves, Petroleum Equipment’s and Process Control Instrumentation. A large distribution network spread across the country and a global presence in 68 countries, WAAREE’s presence is rapidly expanding. Beyond the financials, WAAREE has a vision to utilize renewable solar energy for a sustainable future of our planet.

 


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.53.95

UK Pound

1

Rs.83.80

Euro

1

Rs.70.50 

 

 

INFORMATION DETAILS

 

Report Prepared by :

SMN

 


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

4

PAID-UP CAPITAL

1~10

4

OPERATING SCALE

1~10

5

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

5

--PROFITABILIRY

1~10

4

--LIQUIDITY

1~10

3

--LEVERAGE

1~10

3

--RESERVES

1~10

3

--CREDIT LINES

1~10

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

 

35

 

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.