MIRA INFORM REPORT

 

 

Report Date :

14.05.2013

 

IDENTIFICATION DETAILS

 

Name :

AMW MOTORS LIMITED

 

 

Registered Office :

Survey No. 154, 34 Km Milestone, Bhuj-Bhachau Road, Village Kanaiyabe, Bhuj – 370020, Gujarat

 

 

Country :

India

 

 

Date of Incorporation :

19.09.2011

 

 

Com. Reg. No.:

04-067190

 

 

Capital Investment / Paid-up Capital :

Rs. 348.809 Millions

 

 

CIN No.:

[Company Identification No.]

U35204GJ2011PLC067190

 

 

Legal Form :

A Closely Held Public Limited Liability Company

 

 

Line of Business :

Manufacturer of Vehicles (Trucks).

 

 

No. of Employees :

Information Declined by Management 

 

 

RATING & COMMENTS

 

MIRA’s Rating :

B (27)

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Status :

Moderate

 

 

Payment Behaviour :

Unknown

 

 

Litigation :

Clear

 

 

Comments :

Subject is a part of “ASIA MOTORWORKS HOLDINGS LIMITED”.

 

It is a relatively new company having a moderate track record.

 

The management have fail to file it financial for the year 2011-2012 with the government department.

 

Mr. Rajkumar Singh has denied to disclose any information.

 

However, the subject gets strong’s financial support from its holding company.

 

Business is active. Payments are unknown.

 

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.

 

 

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 DECLINED BY

 

Name :

Mr. Rajkumar Singh

Contact No.:

91-9727760127

Date :

13.05.2013

 

 

LOCATIONS

 

Registered Office / Factory :

Survey No. 154, 34 Km Milestone, Bhuj-Bhachau Road, Village Kanaiyabe, Bhuj – 370020, Gujarat, India

Tel. No.:

91- 2832-393700 / 10

Mobile No.:

91-9727760127 (Mr. Rajkumar Singh)

Fax No.:

Not Available

E-Mail :

cs_legal@amwasia.com

Website:

www.amwasia.com

 

 

Corporate Office :

7thFloor, Tower 1, Equinox Business Park, (Peninsula Techno Park), Off Bandra - Kurla Complex, L.B.S. Marg, Mumbai – 400070, Maharashtra, India

Tel. No.:

91-22-33826000/67101501/02

Fax No.:

91-22-67101503/04

 

 

Research and Development Office:

Plot No. D-3, Everest Nivara Infotech Park, TTC Industrial area, MIDC, Turbhe,
Navi Mumbai – 400706, Maharashtra, India

Tel. No.:

91- 22-33836400

 

 

Regional Offices

 

 

 

North:

2nd Floor, VR 1 Centre, Plot- 83, Sector – 29 Gurgaon – 122001, Haryana, India

Tel. No.:

91-124-4280062 / 63

Fax No.:

91-124-4280059

 

 

South:

Plot no 33/B, Sagar Society, Road No.2, Banjara Hills, Hyderabad – 500034, Andhra Pradesh, India

Tel. No.:

91- 40-40248473

 

 

East:

Vintage House, Near Abhinav Bharti School, 12 Pretoria Street, Opp Hotel Astor, Camac Street Crossing, Kolkata – 700071, West Bengal, India

 

 

North East:

2nd Floor, Harihar Enclave, Above Andhra Bank, G.S. Road, Guwahati – 781005, Assam, India

Tel. No.:

91-361-2348099

 

 

Central:

Premises No.406, 4th Floor, Wallfort Ozone, Near Fafadih Chowk, Beside Hotel Capital, Raipur - 492 001, Chhattisgarh, India

Tel. No.:

91-771-2419181

 

 

DIRECTORS

 

 

Name :

Mr. Ramasubramanian Adhinarayanan

Designation :

Whole-time director

Address :

Flat No. 301, 3rd Floor, Ekta Exotique, Union Park, Off Sion Trobay Raod, Chembur – 400071, Maharashtra, India

Date of Birth/Age :

08.06.1952

Date of Appointment :

19.09.2011

DIN No.:

03507345

 

 

Name :

Mr. Anirudh Bhuwalka

Designation :

Director

Address :

5B, Panhar, Abdul Gafar Khan Raod, Worlin Sea Face, Worli, Mumbai – 400018, Maharashtra, India

Date of Birth/Age :

23.01.1975

Date of Appointment :

19.09.2011

DIN No.:

00333042

 

 

Name :

Mr. Manwant Singh Johar

Designation :

Whole time Director

Address :

77 Nri Colony, Shreeji Nagar, Madhapar Tal, Bhuj, District: Kutch – 370020, Gujarat, India

Date of Birth/Age :

20.07.1961

Date of Appointment :

18.09.2012

DIN No.:

03306926

 

 

Name :

Mr. Garigipati Subramanyam

Designation :

Whole-time director

Address :

304A, Road No. 78, Jubilee Hills, Hyderabad – 500034, Andhra Pradesh, Indi

Date of Birth/Age :

12.09.1954

Date of Appointment :

19.09.2011

DIN No.:

01308897

 

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

As on 29.08.2011

 

Names of Shareholders

 

No. of Shares

A. Ramasubramanian Adhinarayanan

 

10

Asia Motorworks Holding Limited, India

 

49940

G Subramanyam

 

10

Anand Mimani

 

10

M S Johar

 

10

Nitin Chamaria

 

10

Usha Iyenger

 

10

 

 

 

Total

 

50000

 

As on 29.03.2013

 

Names of Allottees

 

No. of Shares

Asia Motorworks Holding Limited, India

 

34830936

 

 

 

Total

 

34830936

 

 

BUSINESS DETAILS

 

Line of Business :

Manufacturer of Vehicles (Trucks).

 

 

GENERAL INFORMATION

 

No. of Employees :

Information Declined by Management 

 

 

Bankers :

Not Available

 

 

 

Banking Relations :

 

 

 

Financial Institutional:

IDBI Trusteeship Services Limited, Asian Building, Ground Floor, 17, R.Kamani Marg, Ballard Estate, Mumbai – 400001, Maharashtra, India

 

 

Auditors :

Not Available

 

 

Subsidiaries:

Tranztar Commercial Vehicle Applications Limited

 

 

CAPITAL STRUCTURE

 

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

45050000

Equity Shares

Rs.10/- each

Rs. 450.500 Millions

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

34880936

Equity Shares

Rs.10/- each

Rs. 348.809 Millions

 

 

FINANCIAL DATA

[all figures are in Rupees Millions]

 

NOT DIVULGED

 

The above information has been denied by Mr. Rajkumar

 

 

 

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

Yes

10]

Designation of contact person

No

11]

Turnover of firm for last three years

No

12]

Profitability for last three years

No

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

No

24]

Banking facility details

Yes

25]

Conduct of the banking account

--

26]

Buyer visit details

--

27]

Financials, if provided

No

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

No

33]

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

No

34]

External Agency Rating, if available

No

 

 

BANKERS CHARGES REPORT AS PER REGISTRY

 

Corporate identity number of the company

U35204GJ2011PLC067190

Name of the company

AMW MOTORS LIMITED

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

Survey No. 154, 34 Km Milestone, Bhuj-Bhachau Road, Village Kanaiyabe, Bhuj – 370020, Gujarat, India

This form is for

Creation of charge

Type of charge

Book debts

Movable property (not being pledge)

CIN

U35204GJ2011PLC067190

Particular of charge holder

IDBI Trusteeship Services Limited, Asian Building, Gorund Floor, 17, R.Kamani Marg, Ballard Estate, Mumbai – 400001, Maharashtra, India

Nature of instrument creating charge

Deed of Hypothecation dated 27th September, 2012

Note: Consequent to the Scheme of Arrangement passed by Hon'ble High Court of Gujarat the Term loan of Rs. 4012.300 Millions and Working capital loan of Rs. 9284.000 Millions is being transferred to the Company

Date of instrument Creating the charge

27.09.2012

Amount secured by the charge

Rs.13296.300 Millions

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

Rate of Interest

Common Term Loan Agreement dated 27.09.2012

 

Terms of Repayment

Common Term Loan Agreement dated 27.09.2012

 

Extent and Operation of the charge

Deed of Hypothecation dated 27.09.2012

 

Others

2ONE

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

Deed of Hypothecation dated 27.09.2012

 

WEBSITE DETAILS

 

PRESS RELEASES

AMW SALES ZOOM 50% DURING FY-2012

09 APRIL 2012

 

Truck sales cross 10,000 units

 

Mumbai: India's third largest heavy commercial vehicle manufacturer, Asia MotorWorks (AMW) grew strongly during the year ended March 2012, with its sales rising by 50% to 10,000 trucks. The company also became the second largest player in the fast growing Tipper segment with a 25% market share, outpacing established players that have been in the market for decades.

 

AMW's sales growth is well in excess of the overall HCV market which is estimated to havegrown by 8% during 2011-12. During the previous year AMW also launched 11 new models including the 1618 Tipper model, as well as its haulage range of trucks, which gives the company expanded access to the overall HCV market.

 

This strong performance is all the more creditable considering the headwinds that have affected the Indian commercial vehicle market during the previous year. These included slowing GDP growth, tighter liquidity and policy paralysis. Despite these challenges, AMW has seen growing demand for its models across the country.

 

AMW already has 25,000 trucks on Indian roads since it began commercial production in 2008. The company also added 60 new dealers during the previous year and has won over customers with its focus on operator productivity and driver comfort.

 

AMW Profile

 

Asia MotorWorks (AMW) is India's third largest manufacturer of heavy commercial vehicles and has achieved a unique position in India's transportation sector through innovative engineering and customer orientation.

 

Rolling out its trucks in 2008, AMW has increased its presence in a competitive market place through its products and wide service network. AMW is an intrinsic part of India's largest infrastructure and construction projects including the Golden Quadrilateral.

 

AMW is also the fastest growing truck brand in India with an annual volume growth of over 100% for the last three years. In addition AMW has a dominant presence in the fast growing Tipper segment. Its vehicles are the preferred choice in the mining, construction and infrastructure sectors, where they operate under very arduous road and load conditions.

 

The company has a widespread and growing dealer and service network across India with 113 dealerships and over 1,500 touch points. This network includes sales and service centres, authorized service outlets, mobile vans, workshops and a 24X7 helpline called 'AMW Seva' which ensures a rapid response to customer needs.

 

Wide Product Range

 

AMW offers trucks ranging from 16 to 49 tons and has pioneered several segments in the Indian CV market. The AMW 49 ton model created the segment and was India's largest tractor trailer at launch. In addition, AMW also created the construction and mining segments in the Indian CV market with its range of tippers.

 

AMW won the 'Truck of the Year' award from NDTV in January 2008. In addition, it also got the coveted 'CV Innovation of the Year 2009-10' award for its 3123 model. AMW CV Applications was given the 'Truck Application Builder of the Year- 2010' award for its Tranztar brand of fully built vehicles.

 

State of the Art Plant at Bhuj

 

AMW's fully integrated manufacturing facility in Bhuj, Gujarat, has a planned capacity of 50,000 commercial vehicles per annum. It currently employs about 1,200 people and uses state of the art production processes to build world class trucks for the Indian market.

 

ASIA MOTOR WORKS PLANS TO RAISE $100 MILLION FOR EXPANSION

APRIL 13, 2012

 

"We are a growing company, and we are in the phase of growth capital. We are exploring various options, including selling stake to a PE player. If we get a good value we may sell a minor stake, if not, we are open to raising debt as well," Aniruddh Bhuwalka, MD of AMW, told ET.

 

Considered by experts as one of the dark horses in the Indian trucking market, AMW is the one of fastest growing brands in the heavy truck segment.

 

The company has already overtaken seasoned players like Volvo, Eicher and MAN-Force (currently MAN Trucks) as the third-largest heavy truck maker and last fiscal it also overtook Ashok Leyland as the number two player in the tipper segment.

 

VG Ramakrishnan, senior director, automotive at Frost and Sullivan, believes the company has managed to understand the customer needs well and simple strategy of assembling the aggregates has paid off, but if company is moving towards more in-depth manufacturing complexities will increase, he feels.

 

"The rise of AMW Trucks has surprised many and they have done a good job so far. Going ahead it will be difficult to replicate the success with the intense competitive environment and increasing complexity internally with the strategy on manufacturing more in-house. If they are able to sustain the understanding of market needs, the company will be a force to reckon with going ahead," said Ramakrishnan.

 

The medium and heavy truck segment (16-49 tonnes) grew by 5.38% to 235,000 units in 2011-12 Vs 223,000 units in 2010-11.

 

Already available in the mid-price category from 16-49 tonnes, AMW Trucks in 2012-13 will expand into premium end of the market to take on Tata Motors Prima World Truck and Ashok Leyland 'U' Trucks with 25 tonnes tipper and 49 tonner tractor trailer and it is already rolling out mass market haulage trucks right from 16-49 tonnes, which will boost volumes.

 

These are the segments which constitutes 65% of the market and a space where company had no presence before.

 

"We are vertically integrating, earlier we use to have a complete buy strategy, now we are slowly moving to make some of the things in-house. We are now localizing truck cabins; we have put a state of the art fabrication shop," added Bhuwalka.

 

In the fiscal gone by, AMW Trucks sold 10,000 trucks growing by over 50% as against a market growth of 8% thanks to 10 new products it launched and an entry into a 16 tonne category. The company's market share grew to 4% from 2.5% in 2010-11.

 

  In 2012-13 too, it is aiming to double the volumes and turnover to 20,000 units and take its turnover from Rs 25000.000 Millions to a billion dollars in revenue and this too will be aided by series of new launches.

 

HCV MAKER ASIA MOTOR WORKS GETS HC NOD FOR DEMERGER

SEPTEMBER 3, 2012

 

India's third largest heavy commercial vehicle (HCV) manufacturer Asia Motor Works Limitd (AMW) with its manufacturing plant is Kutch district has got nod from Gujarat Highc Court for demerger into two companies for for better and efficient management and attracting investments.

 

The Scheme of Arrangement for demerger under Sections 391 to 394 of the Companies Act, 1956 was approved by the Justice Abhilasha Kumari last week.

 

Following this approval the AMW would demerge into AMW Motors Limited (AMWML) and AMW Auto Components Limited (AACL).

 

AMW is primarily engaged in the business of manufacturing, retailing, buying, selling, importing, exporting, and dealing in motor vehicles, components, trucks, tractor chassis, machineries, automobile fitment, to name a few.

After the demerger the heavy commercial vehicle division of AMW would vest with AMWML while the auto component divisions would go to AACL. The demerger was sought for better and efficient management of the resulting undertakings. AMW had further contended that demerger would lead to pooling of investment interest in the resulting companies and would increase the ability to make use of, and benefit from, the asset base in a more efficient way. It had further said that the scheme of arrangement would enhance the equity value of the demerged company's shareholders directly and reduce its liabilities due to the transfer of entire liabilities and obligations pertaining to the demerged undertakings, thereby resulting in lower debt serving and support from the undertakings.

 

AMW EXPANDS ITS SERVICE NETWORK IN ASSAM

25 SEPTEMBER 2012

 

Rongmon Automobiles joins AMW network

 

Mumbai: India's third largest heavy commercial vehicle manufacturer, Asia MotorWorks Limited. (AMW) expanded its presence in Assam today, with the opening of its new state of the art service dealership, Rongmon Automobiles in Dibrugarh.

 

Rongmon Automobiles was inaugurated by Mrs. Jibantara Ghatowar, MLA, Moran consistency. Mr. R.C. Mangal, Chief Marketing Officer, AMW was also present on the occasion. Commenting on the opening of this new service dealership, Mr. Mangal said, "Assam is an important market for AMW and we are proud to have 30% market share In the HCV segment in the region. With a growing number of AMW trucks in this region, we have strengthened our service network in order to make available high quality aftermarket support to our customers. The inauguration of Rongmon Automobiles as our service dealer is yet another step in that direction."

 

AMW also showcased the AMW 1618TP, which specifically meets the demand of the customers for the large infrastructure projects carried out in Dibrugarh and surrounding areas. Also on display was the AMW 3518TR, the heavy-duty tractor-trailer from the AMW stable.AMW currently offers 22 truck variants in the16 to 49 tonne range

Sunil Gogoi of Rongmon Automobiles said, "We are extremely happy to be part of the AMW fraternity. I look forward to a partnership that will bring world class service to customers in this region." Mr. Gogoi is also in the business of construction and manufacturing of industrial gases.

 

Rongmon Automobiles would provide five-bay service facility and associated support for maintenance, repair and spares. In the future, it would also offers facilities for drivers who wish to take a night halt at the dealership while their trucks are being serviced.

 

AMW Profile


Asia MotorWorks (AMW) is India's third largest manufacturer of heavy commercial vehicles and has achieved a unique position in India's transportation sector through innovative engineering and customer orientation.

Rolling out its trucks in 2008, AMW has increased its presence in a competitive market place through its products and wide service network. AMW is an intrinsic part of India's largest infrastructure and construction projects including the Golden Quadrilateral.

 

AMW is also the fastest growing truck brand in India with an annual volume growth of over 100% for the last three years. In addition AMW has a dominant presence in the fast growing Tipper segment. Its vehicles are the preferred choice in the mining, construction and infrastructure sectors, where they operate under very arduous road and load conditions.

 

The company has a widespread and growing dealer and service network across India with 123 dealerships and over 1,500 touch points. This network includes sales and service centres, authorized service outlets, mobile vans, workshops and a 24X7 helpline called 'AMW Seva' which ensures a rapid response to customer needs.

 

Wide Product Range

 

AMW offers trucks ranging from 16 to 49 tons and has pioneered several segments in the Indian CV market. The AMW 49 ton model created the segment and was India's largest tractor-trailer at launch. In addition, AMW also created the construction and mining segments in the Indian CV market with its range of tippers.

 

AMW won the prestigious 'CV Maker of the Year Award' 2012 by Apollo-CV Magazine. In addition, AMW won the 'Truck of the Year' award from NDTV in January 2008. The company also received the coveted 'CV Innovation of the Year 2009-10' award for its 3123 model. AMW CV Applications was given the 'Truck Application Builder of the Year- 2010' award for its Tranztar brand of fully built vehicles.

 

State of the Art Plant at Bhuj

 

AMW's fully integrated manufacturing facility in Bhuj, Gujarat, has a planned capacity of 50,000 commercial vehicles per annum. It currently employs about 1,200 people and uses state of the art production processes to build world class trucks for the Indian market.

 

AMW TALKING TO LENDERS FOR DEBT RECAST

10 MARCH 2013

 

Loss-making heavy truck maker Asia Motor Works has said it has approached its lenders to restructure Rs 8000.000 Millions of its debt.

 

“We have approached our lenders for restructuring around Rs 8000.000 Millions of our debt. We hope it works out,” company’s Managing Director Aniruddh Bhuwalka told PTI.

 

He, however, did not reveal details like the total debt or the name of lenders, saying AMW, which is the third largest truck maker in the country, is a privately held concern.

 

However, it is learnt that Chennai-based Indian Overseas Bank is the lead lender to the troubled company.

 

This, however, could not be independently verified with IOB as its Chairman and Managing Director M. Narendra was not immediately available for comments.

 

Asia Motor Works (AMW) is also believed to have borrowed from six other public sector banks.

 

Explaining the reason for knocking on doors of lenders with a CDR request, Bhuwalka said, “This fiscal so far, my sales have fallen by over 50 per cent. Neither I see some greenshoots coming in the near future. So, to secure the business as a whole, this is the best available options in front of me.”

AMW, which manufactures mining trucks and construction equipment, has been hit hard in the economic slowdown. Its business got impacted as construction activities have been hardly taking place of late, especially in the large infra sectors like roads.

 

Last year, it had put on hold its fund-raising plans through private equity.

 

Other than trucks, the company also manufactures components for the automotive and general engineering industries.

 

The company is the largest single-location plant for wheel rims in Asia. While its trucks, all of which have AC cabins, the first in the country, are priced 15—20 per cent above Tata and Leyland, they are over 50 per cent cheaper than Volvo.

 

AMW, which sold 10,000 trucks last fiscal, claims an overall market share of 6 per cent and 25 per cent in mining and construction equipment segment of the truck business, respectively.

 

It also exports to the Saarc region and has plans to enter the Middle East and North African region with its new generation products.

 

 

 

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.54.91

UK Pound

1

Rs.84.44

Euro

1

Rs.71.31

 

 

INFORMATION DETAILS

 

Information Gathered by :

PDT

 

 

Report Prepared by :

KVT

 


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

3

PAID-UP CAPITAL

1~10

3

OPERATING SCALE

1~10

3

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

3

--PROFITABILIRY

1~10

3

--LIQUIDITY

1~10

3

--LEVERAGE

1~10

3

--RESERVES

1~10

3

--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

YES

--LISTED

YES/NO

NO

--OTHER MERIT FACTORS

YES/NO

YES

DEFAULTER

 

 

--RBI

YES/NO

NO

--EPF

YES/NO

NO

TOTAL

 

27

 

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.