MIRA INFORM REPORT

 

 

Report Date :

16.11.2013

 

IDENTIFICATION DETAILS

 

Name :

TATA TECHNOLOGIES LIMITED (w.e.f.08.02.2001)

 

 

Formerly Known As :

TATA TECHNOLOGIES (INDIA) LIMITED

 

 

Registered Office :

Plot No. 25, Rajiv Gandhi Infotech Park, MIDC, Taluka – Mulshi, Hinjawadi, Pune – 411127, Maharashtra

 

 

Country :

India

 

 

Financials (as on) :

31.03.2013

 

 

Date of Incorporation :

22.08.1994

 

 

Com. Reg. No.:

11-013313

 

 

Capital Investment / Paid-up Capital :

Rs.430.200 Millions

 

 

CIN No.:

[Company Identification No.]

U72200PN1994PLC013313

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

PNET01082E / PNET03780A

 

 

PAN No.:

[Permanent Account No.]

AAACT3092N

 

 

Legal Form :

A Closely Held Public Limited Liability Company

 

 

Line of Business :

Manufacturing and Designing of Automotive Focused Engineering Goods.

 

 

No. of Employees :

Information declined by management

 

 

RATING & COMMENTS

 

MIRA’s Rating :

A (66)

 

RATING

STATUS

PROPOSED CREDIT LINE

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

 

Maximum Credit Limit :

USD 28330000

 

 

Status :

Good

 

 

Payment Behaviour :

Regular

 

 

Litigation :

Clear

 

 

Comments :

Subject is a part of Tata Group. It is an established company having fine track. Financial position of the company appears to be sound and healthy. Trade relations are fair. Business is active. Payments are reported to be regular and as per commitments.

 

The company can be considered good for normal business dealings at usual trade terms and conditions.

 

The company can be considered as a promising business partner in medium to long run.

 

NOTES :

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

 

 

INDIAN ECONOMIC OVERVIEW

 

The current downturn provides an opportunity to push ahead with reforms to accelerate growth, says the latest India Development Update report released by the World Bank. The report says that the adverse effects of rupee depreciation are likely to be offset by the gains in the exports performance due to improved external competitiveness. Since May this year, the local currency has depreciated substantially and fell to a record level of Rs 68.85 to a dollar on August, 28.

 

A stagflation like situation appears to have arisen as inflation jumped to an eight month high of 6.46 % for the month of September. It is up from 6.10 % in August. Growth continues to be muted with factory output plunging to 0.6  % in August. Onion prices have risen nearly 300 % from last September. Vegetables cost nearly 90 % more than they did last year. Wake up to the economic contribution of slum dwellers. They contribute more than 7.5 % to the country’s gross domestic product, according to a recent study conducted in 50 top cities.

 

136000 estimated number of jobs created during the second quarter of the current financial year. 50000 estimated number of additional jobs in the field of corporate social responsibility in the coming years.

 

The International Finance Corporation expects to come out with its rupee linked bonds issue before the end of 2013 as a part of its plan to raise $ 1 billion. The Apple iPhone 5c (Rs 41900 for 16 GB variant) and 5s (Rs 53500 for 16GB variant) has been launched in India from 1st November.

 

The Land Acquisition Act to provide just and fair compensation to farmers will come into force from January 1 next year, said Rural Development Minister Jairam Ramesh. The Act replaces a 119 year old registration. The Securities and Exchange Board of India has approved the trading of currency futures on the Bombay Stock Exchange. The exchange plans to launch the currency futures platform with advanced trading technology by the end of November.

 

 

EXTERNAL AGENCY RATING

 

Rating Agency Name

CARE

Rating

Long term bank facilities: (AA +)

Rating Explanation

Strong degree of safety. It carry very low credit risk.

Date

22.03.2013

 

 

Rating Agency Name

CARE

Rating

Short term bank facilities: (A1+)

Rating Explanation

Very strong degree of safety. It carry very lowest credit risk.

Date

22.03.2013

 

 

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. Abhijit Saha

Designation :

Accounts Manager

Contact No.:

91-20-66529065

Date :

15.11.2013

 

 

LOCATIONS

 

Registered Office :

Plot No. 25, Rajiv Gandhi Infotech Park, MIDC, Taluka – Mulshi, Hinjawadi, Pune – 411127, Maharashtra, India

Tel. No.:

91-20-66529090

Fax No.:

91-20-66529035

E-Mail :

corporate@tatatechnologies.com

mshete@tatatechnologies.com

vcs00869@tatatechnologies.com

Website :

www.tatatechnologies.com

Area :

10000 Sq. ft.

Location :

Owned

 

 

DIRECTORS

 

As on 21.06.2013

 

Name :

Mr. Ramadorai Subramanian

Designation :

Chairman

Address :

Flat No. 1, 1st Floor, Wyoming Little Gibbs Road, Malbar Hill, Mumbai – 400006, Maharashtra, India

Date of Birth/Age :

06.10.1944

Qualification :

Bachelors degree in Physics, B.E. E and TC, M.S. Computer, Attended the Sloan School of Management's highly acclaimed Senior Executive Development Progr

Date of Appointment :

08.03.2001

DIN No.:

00000002

 

 

Name :

Mr. Patrick Raymon Mcgoldrick

Designation :

Managing director

Address :

27, Balmoral Road, #04-27, Balmoral Tower, Singapore – 259808

Date of Birth/Age :

08.09.1949

Qualification :

M.S. Computer, completed the Harvard Business School Advanced Management Program (AMP 109)

Date of Appointment :

29.03.1996

PAN No.:

AFWPM3572Q

DIN No.:

00407203

 

 

Name :

Mr. Praveen Purushottam Kadle

Designation :

Director

Address :

224, NCPA Apartments, Nariman Point, Mumbai – 400021, Maharashtra, India

Date of Birth/Age :

21.01.1957

Qualification :

Honors Graduate in Commerce & Accountancy, C.A., C.W.A., C.S.

Date of Appointment :

04.02.1997

DIN No.:

00016814

 

 

Name :

Mr. Gopalakrishnan Ramabadran

Designation :

Director

Address :

Baug E Abbas, Flat No. 101, Captain Prakash Pethe Marg, 21/A, Cuffe Parade, Mumbai – 400005, Maharashtra, India

Date of Birth/Age :

25.12.1945

Qualification :

B.Sc., B. Tech (Electronics)

Date of Appointment :

08.03.2001

DIN No.:

00027858

 

 

Name :

Mr. Chandrasekaran Ramakrishnan

Designation :

Director

Address :

322, Samudra Mahal, Dr. Annie Besant Road, Worli, Mumbai – 400018, Maharashtra, India

Date of Birth/Age :

27.06.1955

Qualification :

B.Com., C.A., C.W.A.

Date of Appointment :

08.03.2001

DIN No.:

00020076

 

 

KEY EXECUTIVES

 

Name :

Mr. Anubhav Kapoor

Designation :

Secretary

Address :

Flat No. C-102, Concord Proxima Baner, Pune – 411048, Maharashtra, India

Date of Birth/Age :

21.08.1972

Date of Appointment :

05.04.2006

PAN No.:

ADPPK1000L

 

 

Name :

Mr. Abhijit Saha

Designation :

Accounts Manager

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

NOTE: SHAREHOLDING DETAILS FILE ATTACHED

 

 

Equity Share Break up (Percentage of Total Equity)

 

As on 21.06.2013

 

Category

 

Percentage

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

 

15.81

Bodies corporate

 

76.74

Directors or relatives of directors

 

2.18

Other top fifty shareholders

 

2.37

Other

 

2.90

Total

 

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Manufacturing and Designing of Automotive Focused Engineering Goods.

 

 

GENERAL INFORMATION

 

No. of Employees :

Information declined by management

 

 

Bankers :

The Hong Kong and Shanghai Banking Corporation Limited, 520/60, Mahatma Gandhi Road, Fort, Mumbai - 400001, Maharashtra, India

 

 

Facilities :

SECURED LOAN

31.03.2013

(Rs. In Millions)

31.03.2012

(Rs. In Millions)

LONG TERM BORROWINGS

 

 

Term loans from banks

0.400

3.200

Term loans from others

0.000

0.900

Long-term maturities of finance lease obligations

1.300

2.100

Total

1.700

6.200

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

Deloitte Haskins and Sells

Chartered Accountants

Address :

12, Dr. Annie, Besant Road, Opposite Shiv Sagar Estate, Worli, Mumbai – 400018, Maharashtra, India

PAN No.:

AACFD4815A

 

 

Holding Company:

Tata Motors Limited, India

CIN No.: L28920MH1945PLC004520

 

 

Joint Venture :

Tata Hal Technologies Limited

 

 

Subsidiaries :

Tata Technologies Pte. Limited Singapore

 

 

Indirect Subsidiaries :

·         Tata Technologies Thailand Limited

·         INCAT International Plc.

·         Tata Technologies Europe Limited

·         INCAT SAS liquidated w.e.f. April

·         INCAT GmbH

·         Tata Technologies Inc.

·         Tata Technologies de Mexico A.S. de SV

·         Tata Technologies Canada Inc.

 

 

Fellow subsidiaries :

·         TAL Manufacturing Solutions Limited

·         TML Driveline Limited

·         Sheba Properties Limited

·         Concorde Motors (India) Limited

·         Tata Daewoo Commercial Vehicle Company Limited

·         Tata Motors Insurance Broking and Advisory Services Limited

·         Tata Motors European Technical Centre Plc.

·         Tata Motors Finance Limited

·         Tata Marcopolo Motors Limited

·         Tata Motors (Thailand) Limited

·         TML Holdings Pte Limited

·         TML Distribution Company Limited

·         Tata Hispano Motors Carrocera S.A.

·         PT Tata Motors Indonesia

·         Tata Motors (SA) (Proprietory) Limited

·         Jaguar Land Rover Automotive PLC (Erstwhile Jaguar Land Rover PLC name changed w.e.f 28.12.2012 and the name changed from Jaguar Land Rover Limited on 06.04.11)

·         Jaguar Cars Limited (name changed from Jaguar Cars Limited on 16.05.2012 and changed again to Jaguar Cars Limited on 28.12.2012) (name changed from Jaguar Cars Overseas Holdings Limited 16.05.12 and changed to Jaguar Cars Limited on 28.12.2012)

·         Jaguar Land Rover Limited (Erstwhile Jaguar Cars Limited name changed w.e.f 28.12.12)

·         Jaguar Land Rover Austria GmbH

·         Jaguar Belux NV

·         Jaguar Land Rover Japan Limited

·         Jaguar cars South Africa (pty) limited

·         The Daimler Motor Company Limited

·         The Jaguar Collection Limited

·         Daimler Transport Vehicles Limited

·         S.S. Cars Limited

·         The Lanchester Motors Company Limited

·         Jaguar Hispania Sociedad

·         Jaguar Land Rover Deutschland GmbH

·         Land Rover

·         Land Rover Group Limited

·         Jaguar Land Rover North America LLC

·         Land Rover Belux S.A./N.V

·         Land Rover Ireland Limited

·         Jaguar Land Rover Nederland BV

·         Jaguar Land Rover Portugal - Veiculose Pecas LDA

·         Jaguar Land Rover Australia Pty Limited

·         Jaguar Land Rover Exports Limited

·         Jaguar Land Rover Italia SpA

·         Land Rover Espana SL

·         Jaguar Land Rover Korea Company Limited

·         Jaguar Land Rover Automotive Trading (Shanghai) Company Limited

·         Jaguar Land Rover Canada ULC

·         Jaguar Land Rover France, SAS

·         Jaguar Land Rover (South Africa) (Pty) Limited

·         Jaguar Land Rover Brazil LLC

·         Limited Liability Company "Jaguar Land Rover" (Russia)

·         Land Rover Parts Limited

·         Jaguar Land Rover (South Africa) Holdings Limited

·         Land Rover Exports Limited

·         Jaguar Land Rover India Limited (incorporated w.e.f October 25, 2012)

·         Tata Hispano Motors Carrosseries Maghreb

·         Tata Daewoo Commercial Vehicle Sales and Distribution Company Limited

·         Tata Precision Industries Pte. Limited

·         Trilix S.r.l.

 

 

Associates of Parent Company:

·         Tata Cummins Limited

·         Tata Precision Industries (India) Limited

·         Fiat India Automobiles Limited

·         Spark44 (JV) Limited

·         Jaguar Cars Finance Limited

·         Automobile Corporation of Goa Limited

·         Nita Co Limited

·         Cherry Jaguar Land Rover Automotive Company Limited (Incorporated November 2012)

·         Suzhou Chery Jaguar Land Rover Trading Company Limited (Interim JV)

·         Tata Hitachi Construction Machinery Company Limited (Erstwhile

·         Telco Construction Equipment Company Limited name changed w.e.f November 23, 2012)

·         Tata AutoComp Systems Limited

 

·          

 

 

CAPITAL STRUCTURE

 

As on 31.03.2013

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

60000000

Equity Shares

Rs.10/- each

Rs.600.000 Millions

700000

Preference Shares

Rs.10/- each

Rs.7.000 Millions

 

 

 

 

 

Total

 

Rs.607.000 Millions

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

43024138

Equity Shares

Rs.10/- each

Rs.430.241 Millions

 

 

 

 

 

 

 


 

FINANCIAL DATA

[all figures are in Rupees Millions]

 

ABRIDGED BALANCE SHEET

 

SOURCES OF FUNDS

 

31.03.2013

31.03.2012

31.03.2011

EQUITY AND LIABILITIES

 

 

 

(1)Shareholders' Funds

 

 

 

(a) Share Capital

430.200

429.700

373.200

(b) Reserves & Surplus

6652.800

5885.600

4035.500

(c) Money received against share warrants

0.000

0.000

0.000

 

 

 

 

(2) Share Application money pending allotment

0.000

0.000

0.000

Total Shareholders’ Funds (1) + (2)

7083.000

6315.300

4408.700

 

 

 

 

(3) Non-Current Liabilities

 

 

 

(a) long-term borrowings

1.700

6.200

8.400

(b) Deferred tax liabilities (Net)

45.600

37.500

0.000

(c) Other long term liabilities

3.700

3.500

9.300

(d) long-term provisions

85.500

70.800

61.700

Total Non-current Liabilities (3)

136.500

118.000

79.400

 

 

 

 

(4) Current Liabilities

 

 

 

(a) Short term borrowings

542.800

559.600

484.500

(b) Trade payables

1264.600

919.100

790.200

(c) Other current liabilities

76.700

87.000

69.200

(d) Short-term provisions

811.400

357.200

227.600

Total Current Liabilities (4)

2695.500

1922.900

1571.500

 

 

 

 

TOTAL

9915.000

8356.200

6059.600

 

 

 

 

ASSETS

 

 

 

(1) Non-current assets

 

 

 

(a) Fixed Assets

 

 

 

(i) Tangible assets

598.500

610.100

463.000

(ii) Intangible Assets

361.200

332.600

242.800

(iii) Capital work-in-progress

136.700

15.400

13.200

(iv) Intangible assets under development

32.900

34.900

0.000

(b) Non-current Investments

2464.800

2662.300

2232.300

(c) Deferred tax assets (net)

0.000

0.000

21.800

(d)  Long-term Loan and Advances

43.600

44.700

10.100

(e) Other Non-current assets

133.400

160.500

237.900

Total Non-Current Assets

3771.100

3860.500

3221.100

 

 

 

 

(2) Current assets

 

 

 

(a) Current investments

2624.600

1470.700

960.900

(b) Inventories

0.000

0.000

0.000

(c) Trade receivables

1245.900

913.100

622.200

(d) Cash and cash equivalents

190.700

1149.600

1108.800

(e) Short-term loans and advances

1988.400

500.800

71.400

(f) Other current assets

94.300

461.500

75.200

Total Current Assets

6143.900

4495.700

2838.500

 

 

 

 

TOTAL

9915.000

8356.200

6059.600

 

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

 

31.03.2013

31.03.2012

31.03.2011

 

SALES

 

 

 

 

 

Income

7747.000

6440.000

4931.600

 

 

Other Income

433.300

242.500

115.800

 

 

TOTAL                                      (A)

8180.300

6682.500

5047.400

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Purchases of stock-in-trade

830.200

647.000

564.100

 

 

Employee benefit expense

3451.800

2987.500

2220.200

 

 

 Other expenses

991.500

1056.200

827.500

 

 

TOTAL                                       (B)

5273.500

4690.700

3611.800

 

 

 

 

 

Less

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

2906.800

1991.800

1435.600

 

 

 

 

 

Less

FINANCIAL EXPENSES                                  (D)

16.200

15.400

16.900

 

 

 

 

 

 

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

2890.600

1976.400

1418.700

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                    (F)

270.200

211.600

147.600

 

 

 

 

 

 

PROFIT BEFORE TAX (E-F)                            (G)

2620.400

1764.800

1271.100

 

 

 

 

 

Less

TAX                                                                (H)

608.200

457.700

300.600

 

 

 

 

 

 

PROFIT AFTER TAX (G-H)                               (I)

2012.200

1307.100

970.500

 

 

 

 

 

 

PREVIOUS YEARS’ BALANCE BROUGHT FORWARD

1667.300

1286.200

936.600

 

 

 

 

 

 

APPROPRIATIONS

 

 

 

 

 

Interim Divided

386.900

380.300

260.900

 

 

Proposed Final Dividend

688.400

296.000

186.400

 

 

Tax on Interim/Proposed Dividend

174.500

109.700

73.500

 

 

General Reserve

210.000

140.000

100.000

 

BALANCE CARRIED TO THE B/S

2219.800

1667.300

1286.300

 

 

 

 

 

 

EARNINGS IN FOREIGN CURRENCY

2259.800

1798.600

1109.100

 

 

 

 

 

 

Earnings Per Share (Rs.)

 

 

 

 

Basic

46.77

30.91

26.04

 

Diluted

46.76

30.86

25.93

 

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2013

31.03.2012

31.03.2011

PAT / Total Income

(%)

24.60

19.56

19.23

 

 

 

 

 

Net Profit Margin

(PBT/Sales)

(%)

33.82

27.40

25.18

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

35.99

31.27

33.52

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

0.37

0.28

0.29

 

 

 

 

 

Debt Equity Ratio

(Total Debt/Networth)

 

0.08

0.09

0.11

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

2.28

2.34

1.81

 

 

LOCAL AGENCY FURTHER INFORMATION

 

CURRENT MATURITIES OF LONG TERM DEBTS

 

Particulars

31.03.2013

(Rs. In Millions)

31.03.2012

(Rs. In Millions)

31.03.2011

(Rs. In Millions)

 

 

 

 

Current maturities of long-term debt

3.700

4.300

3.200

 

 

 

 

 

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

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

 

 

INDEX OF CHARGES: NO CHARGES EXIST FOR COMPANY

 

 

UNSECURED LOAN

 

PARTICULAR

31.03.2013

(Rs. In Millions)

31.03.2012

(Rs. In Millions)

SHORT TERM BORROWINGS

 

 

Term loans from banks

542.800

559.600

Total

542.800

559.600

 

 

 

REVIEW OF BUSINESS OPERATIONS

 

The Company recorded an overall revenue growth of approximately 22.41% with an increase of approximately 20.30% in revenue from sale of products and services, from Rs. 6440.000 Millions in 2011-12 to Rs. 7747.000 Millions in 2012-13. Due to efficient cost management, increased focus on operating efficiencies and offshoring, the operating profit registered an increase of approximately 45.94% over the last year, while profit before taxes (PBT), grew at a rate of approximately 48.48% on a year-on-year basis. Profit after taxes (PAT) grew by approximately 53.94% during the same period.

 

During the period, services revenue increased by 19.38% and product sale increased by 26.61% over last year to reach figures of Rs. 6715.400 Millions and Rs. 1031.600 Millions respectively. The services revenue comprises:

 

1. Engineering Automation Group [EAG]:

EAG addresses the engineering and design needs of manufacturers through services for all stages of the product development and manufacturing process.

 

2. Enterprise Solutions Group [ESG]:

ESG addresses the Information Technology needs of manufacturers including business solutions, strategic consulting, ERP implementation, systems integration, IT networking and infrastructure solutions and program management.

 

3. Product Lifecycle Management [PLM]:

PLM addresses the product development technology solution requirements of manufacturers including end-to-end implementation of PLM technology, best practices and PLM consulting. PLM also includes the Company's proprietary applications iGETIT® and iCHECKIT®.

 

 

BUSINESS OUTLOOK

 

The Company is highly focused on delivery of value to its customers, marketing and sales and as such, it is seeing improved order bookings. The Company expects improved growth in revenue, EBITDA and profit after tax in the coming years. Please refer the section on Management Discussion and Analysis for more information.

 

 

FIXED ASSETS

 

Tangible Assets

·         Land

·         Buildings

·         Plant and Equipment

·         Furniture and Fixtures

·         Vehicles

·         Office Equipment

·         Computer Equipments

·         Leasehold Improvements

 

Intangible Assets

·         Goodwill

·         Copyrights

·         Licenses and Franchise


 

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.63.06

UK Pound

1

Rs.101.15

Euro

1

Rs.84.95

 

 

INFORMATION DETAILS

 

Information Gathered by :

HNA

 

 

Report Prepared by :

MRI

 


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

8

PAID-UP CAPITAL

1~10

7

OPERATING SCALE

1~10

7

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

8

--PROFITABILIRY

1~10

7

--LIQUIDITY

1~10

7

--LEVERAGE

1~10

7

--RESERVES

1~10

8

--CREDIT LINES

1~10

7

--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

 

66

 

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.