MIRA INFORM REPORT

 

 

Report Date :

18.11.2013

 

IDENTIFICATION DETAILS

 

Name :

USV LIMITED

 

 

Formerly Known As :

U.S. VITAMIN AND PHARMACEUTICAL CORPORATION (INDIA) PRIVATE LIMITED

 

 

Registered Office :

Arvind Vithal Gandhi Chowk, BSD Marg, Govandi, Mumbai - 400088, Maharashtra

 

 

Country :

India

 

 

Financials (as on) :

31.03.2013

 

 

Date of Incorporation :

25.08.1961

 

 

Com. Reg. No.:

11-012098

 

 

Capital Investment / Paid-up Capital :

Rs.999.669 Millions

 

 

CIN No.:

[Company Identification No.]

U24239MH1961PLC012098

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

MUMU00007A

 

 

PAN No.:

[Permanent Account No.]

AAACU1366N

 

 

Legal Form :

A Closely Held Public Limited Liability Company

 

 

Line of Business :

Manufacturing and Selling of Active Pharmaceutical Ingredient (API), Finished Dosages and Generics.

 

 

No. of Employees :

600 (Approximately)

 

 

RATING & COMMENTS

 

MIRA’s Rating :

A (68)

 

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 5020000

 

 

Status :

Good

 

 

Payment Behaviour :

Regular

 

 

Litigation :

Clear

 

 

Comments :

Subject is a joint venture with USV and P INC. USA, a subsidiary of Revlon.

 

It is a well-established and reputed company having fine track record.

 

The rating reflect the company’s robust market position in the fast-growing theraprutic segment in the domestic formulations market and strong financial risk profile, marked by healthy operating profitability, negligible debt, and strong liquidity.

 

Directors are reported to be experienced and respectable businessmen.

 

Trade relations are reported as 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.

 

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

CRISIL

Rating

Long term rating AA+

Rating Explanation

High degree of safety and very low credit risk.

Date

July 31, 2013

 

 

Rating Agency Name

CRISIL

Rating

Short term rating A1+

Rating Explanation

Very strong degree at safety and lowest credit risk.

Date

July 31, 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 PARTED BY (GENERAL DETALIS)

 

Name :

Mr. Mukesh

Designation :

Account Department

Contact No.:

91-22-2564048

Date :

15.11.2013

 

 

LOCATIONS

 

Registered / Corporate Office :

Arvind Vithal Gandhi Chowk, BSD Marg, Govandi, Mumbai - 400088, Maharashtra, India

Tel. No.:

91-22-25564048/ 4049/ 4050/ 4051/ 2225/ 25559915/ 25581118/ 67861111

Fax No.:

91-22-25515608/ 25584025

E-Mail :

albert.matherus@usv.co.in

sudhir.thatte@usv.co.in

hrd@usv.co.in

info@usv.co.in

info@usvlimitedindia.com

hrd@usv.co.in

custompeptides@usv.co.in

bizdev@usv.co.in

Website :

http://www.usvindia.com

Location :

Owned

 

 

Factory 1 :

MIDC, Lote Industrial Area, Khed, Ratnagiri, OIDC, Dabhel, Daman, HPSIDC, Baddi, Himachal Pradesh, India

 

 

Factory 2 :

Plot No. B-1 / 8, M.I.D.C. Lote Industrial Area, Taluka Khed, Ratnagiri, Maharashtra, India

Tel. No.:

91-2356-272242

Fax No.:

91-2356-272402

 

 

Factory 3:

OIDC, Dabhel, Daman, Daman and Diu, India

 

 

Factory 4:

Hilltop Industrial, Area, Jhar Majri, Baddi, Himachal Pradesh, India

 

 

DIRECTORS

 

As on 25.09.2013

 

Name :

Mrs. Leena Gandhi Tewari

Designation :

Director

Address :

41, Ritu Apartments, 208, B.J. Road, Bandra (West), Mumbai-400050, Maharashtra, India

Date of Birth/Age :

09.03.1957

Qualification :

MBA, Boston University, USA B. Com.

Date of Appointment :

20.01.1986

DIN No.:

00001748

 

 

Name :

Mr. Prashant Kumar Tewari

Designation :

Managing director

Address :

41, Ritu Apartments, 208, B J Road, Bandra ( West), Mumbai-400050, Maharashtra, India

Date of Birth/Age :

09.04.1958

Qualification :

MS, B. Tech IIT- Kanpur

Date of Appointment :

01.05.2008

DIN No.:

00001745

 

 

Name :

Debabrata Sujit Gupta

Designation :

Whole-time director

Address :

B-804, Etrnai, Hiranandani Gardens, Powai, Mumbai - 400076, Maharashtra, India

Date of Birth/Age :

19.02.1963

Qualification :

B. Tech.(Chemistry)-IIT Kharagpur

Date of Appointment :

19.09.2008

DIN No.:

01500784

 

 

Name :

Mr. Deepak Keshav Ghaisas

Designation :

Director

Address :

B 61/62, Swapnashilp Apartments, Mahant Road, Vile Parle (East), Mumbai-400057, Maharashtra, India

Date of Birth/Age :

19.11.1957

Qualification :

CA, CS and ICWA

Date of Appointment :

23.08.2003

DIN No.:

00001811

 

 

Name :

Mr. Debabrata Bhadury

Designation :

Director

Address :

9-A, Belvedere Court, Sane Guruji Marg, Mahalaxmi, Mumbai - 400011, Maharashtra, India

Date of Birth/Age :

20.11.1941

Qualification :

MA (Economics)

Date of Appointment :

01.05.2001

DIN No.:

00001754

 

 

Name :

Murugappan Muthiah Venkatachalam

Designation :

Director

Address :

20/1, Valliammai Achi Road, Kottupuram, Chennai - 600085, Tamilnadu, India

Date of Birth/Age :

24.11.1958

Qualification :

MBA, Washington University, USA

Date of Appointment :

31.07.2006

DIN No.:

00152619

 

 

Name :

Mr. Vilas Gandhi Tewari

Designation :

Director

Address :

5416, Fair Ave Apartment, 1321, N Hollywood, CA USA 91601

Date of Birth/Age :

24.03.1984

Date of Appointment :

27.09.2012

DIN No.:

05354249

           

 

KEY EXECUTIVES

 

Name :

Mr. Tanmay Anand Joshi

Designation :

Secretary

Address :

1/23, Radha Krishna Nivas, Dr. B.A. Road, Dadar (East), Mumbai-400014, Maharashtra, India

Date of Birth/Age :

20.01.1983

Date of Appointment :

05.06.2009

PAN No.:

AGWPJ8684G

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

As on 25.09.2013

 

Names of Shareholders

No. of Shares

Leena Gandhi Tewari

91287618

Aneesha Gandhi Tewari

11106

Treva Health Care Private Limited, India

5553

Vipal Health Care Private Limited, India

5553

USV Reliable Homes Private Limited, India

7404

Leena Gandhi Tewari Jointly with Prashant Tewari

5395665

Prashant Tewari Jointly with Leena Gandhi Tewari

3041193

Prashant Tewari

201759

Neo-Pharma Industries Private Limited, India

11106

TOTAL

99966957

 

As on 25.09.2013

 

Equity Share Break up (Percentage of Total Equity)

 

Category

Percentage of Holding

Directors or relatives of Directors

100.00

Total

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Manufacturing and Selling of Active Pharmaceutical Ingredient (API), Finished Dosages and Generics.

 

 

Products :

ITC Code

Product Descriptions

21069099

Visyneral

21069091

Diataal

29331990

Irbesartan

29350090

Glimepiride

29420090

Metformin

30049099

Glycomet

30049099

Ecosprin

30045090

Bottles

30049099

Metformin

 

 

Exports :

 

Products :

Finished Goods

Countries :

v  US

v  Kenya

v  Europe

v  Uganda

v  Cambodia

v  Vietnam

v  Ukraine

 

 

Terms :

 

Selling :

L/C and Credit

 

 

Purchasing :

L/C and Credit

 

 

GENERAL INFORMATION

 

Customers :

End Users

 

 

No. of Employees :

600 (Approximately)

 

 

Bankers :

Ø  Axis Bank Limited, Trishul 3rd Floor Opposite Samartheshwar Temple, Law Garden Ellisbridge, Ahmedabad - 380006, Gujarat, India

Ø  State Bank of India, Mid Corporate Loan, Administrative Unit, Shree Hari Building, RTO Lane, Four Bunglows, Andheri (West), Mumbai-400053, Maharashtra, India [Tel No.: 91-22-26356729]

Ø  Standard Chartered Grindlays Bank Limited, Dr. D. N. Road, Mumbai-400001, Maharashtra, India

Ø  The Saraswat Co-operative Bank Limited, Mumbai, Maharashtra, India

Ø  Canara Bank

Ø  Vietcom Bank

Ø  JSC Bank

Ø  Swed Bank

 

 

Facilities :

SECURED LOANS

31.03.2013

(Rs. in Millions)

31.03.2012

(Rs. in Millions)

LONG TERM BORROWINGS

 

 

Borrowing from government semi-government bodies

0.000

6.260

Total

0.000

6.260

 

Banking Relations :

--

 

 

Auditors :

 

Name :

BSR and Associates

Chartered Accountants

Address :

Lodha Excelus, 1st Floor, Apollo Mills Compound, NM Marg, Mahalaxmi, Mumbai 400011, Maharasthra, India

PAN No. :

AADFB6889R

 

 

Internal Auditor :

 

Name :

A P R Associates

Chartered Accountants

 

 

Cost Auditor :

 

Name :

Sevekari, Khare and Associates

Cost Accountants

 

 

Associates :

Ø  Treva Health Care Private Limited

Ø  Vipal Health Care Private Limited

Ø  Tender Remedies

Ø  Business Link Automation (India) Limited

Ø  Vital Pharmacal Private Limited

Ø  Neo Pharma Industries Private Limited

Ø  Chronomed Health Care Private Limited

Ø  USV Reliable Homes Private Limited

 

 

Subsidiaries :

Ø  USV North America Inc

Ø  Indicus Pharma LLC

Ø  USV Europe Limited

Ø  USV Labs Limited [U24232MH2010PLC20537]

 

 

CAPITAL STRUCTURE

 

As on 31.03.2013

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

125000000

Equity Shares

Rs.10/- each

Rs.1250.000 Millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

99966957

Equity Shares

Rs.10/- each

Rs.999.669 Millions

 

 

 

 

 


 

FINANCIAL DATA

[all figures are in Rupees Millions]

 

ABRIDGED BALANCE SHEET

 

SOURCES OF FUNDS

 

31.03.2013

31.03.2012

31.03.2011

I.              EQUITY AND LIABILITIES

 

 

 

(1)Shareholders' Funds

 

 

 

(a) Share Capital

999.669

999.669

999.669

(b) Reserves & Surplus

11505.741

9772.418

9070.135

(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)

12505.410

10772.087

10069.804

 

 

 

 

(3) Non-Current Liabilities

 

 

 

(a) long-term borrowings

8.799

19.765

25.817

(b) Deferred tax liabilities (Net)

178.549

121.089

177.428

(c) Other long term liabilities

0.000

59.876

0.246

(d) long-term provisions

851.866

709.438

557.070

Total Non-current Liabilities (3)

1039.214

910.168

760.561

 

 

 

 

(4) Current Liabilities

 

 

 

(a) Short term borrowings

0.000

0.000

0.000

(b) Trade payables

1807.587

1748.827

1639.851

(c) Other current liabilities

453.126

492.920

95.754

(d) Short-term provisions

3907.549

3079.537

2317.370

Total Current Liabilities (4)

6168.262

5321.284

4052.975

 

 

 

 

TOTAL

19712.886

17003.539

14883.340

 

 

 

 

II.            ASSETS

 

 

 

(1) Non-current assets

 

 

 

(a) Fixed Assets

 

 

 

(i) Tangible assets

3668.004

3392.032

3479.359

(ii) Intangible Assets

98.512

110.773

128.625

(iii) Capital work-in-progress

511.061

591.331

237.805

(iv) Intangible assets under development

0.000

0.000

0.000

(b) Non-current Investments

2.297

2.297

2.298

(c) Deferred tax assets (net)

0.000

0.000

0.000

(d)  Long-term Loan and Advances

1967.003

1285.932

1054.313

(e) Other Non-current assets

176.996

202.931

0.000

Total Non-Current Assets

6423.873

5585.296

4902.400

 

 

 

 

(2) Current assets

 

 

 

(a) Current investments

6764.415

6105.423

4862.312

(b) Inventories

1625.971

1493.139

1316.962

(c) Trade receivables

1739.086

1477.302

1528.678

(d) Cash and cash equivalents

511.528

404.677

1008.720

(e) Short-term loans and advances

2436.637

1511.397

1264.268

(f) Other current assets

211.376

426.305

0.000

Total Current Assets

13289.013

11418.243

9980.940

 

 

 

 

TOTAL

19712.886

17003.539

14883.340

 

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

31.03.2013

31.03.2012

31.03.2011

 

SALES

 

 

 

 

 

Income

16888.835

14472.621

11561.982

 

 

Other Income

594.718

642.243

471.958

 

 

TOTAL                                    

17483.553

15114.864

12033.940

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Cost of materials consumed

3523.216

3195.140

2534.104

 

 

Purchases of stock-in-trade

2412.336

1991.741

1505.726

 

 

Changes in inventories of finished goods, work-in-progress and stock-in-trade

(63.152)

(72.008)

(144.486)

 

 

Employee benefit expense

1547.321

1477.249

937.310

 

 

Other expenses

5256.232

4506.182

3879.488

 

 

TOTAL                                    

12675.953

11098.304

8712.142

 

 

 

 

 

 

PROFIT/ (LOSS)  BEFORE INTEREST, TAX, DEPRECIATION AND AMORTISATION

4807.600

4016.560

3321.798

 

 

 

 

 

Less

FINANCIAL EXPENSES                                   

0.065

0.239

3.785

 

 

 

 

 

 

PROFIT / (LOSS) BEFORE TAX, DEPRECIATION AND AMORTISATION

4807.535

4016.321

3318.013

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                    

725.556

639.566

646.334

 

 

 

 

 

 

PROFIT/ (LOSS)  BEFORE TAX

4081.979

3376.755

2671.679

 

 

 

 

 

Less

TAX                                                     

375.772

552.106

124.022

 

 

 

 

 

 

PROFIT/ (LOSS)  AFTER TAX

3706.207

2824.649

2547.657

 

 

 

 

 

 

Earnings / (Loss) Per Share (Rs.)

37.07

28.26

25.48

 


 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2013

31.03.2012

31.03.2011

PAT / Total Income

(%)

21.20

18.69

21.17

 

 

 

 

 

Net Profit Margin

(PBT/Sales)

(%)

24.17

23.33

23.11

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

21.26

20.578

18.24

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

0.33

0.31

0.26

 

 

 

 

 

Debt Equity Ratio

(Total Debt/Networth)

 

0.00

0.00

0.00

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

2.15

2.14

2.46

 

 

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

10.965

6.052

7.997

 

 

 

 

Total

10.965

6.052

7.997

 

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

Yes

9]

Name of person contacted

Yes

10]

Designation of contact person

Yes

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

Yes

20]

Export / Import details (if applicable)

Yes

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

No

33]

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

No

34]

External Agency Rating, if available

Yes

 

 

UNSECURED LOANS   

 

PARTICULAR

31.03.2013

(Rs. in Millions)

31.03.2012

(Rs. in Millions)

LONG TERM BORROWINGS

 

 

Deffered sales tax loan

8.799

13.505

 

 

 

Total

8.799

13.505

 

 

INDEX OF CHARGES

 

S.No.

Charge ID

Date of Charge Creation/Modification

Charge amount secured

Charge Holder

Address

Service Request Number (SRN)

1

10301593

21/07/2011

800,000,000.00

Axis Bank Limited

TRISHUL 3RD FLOOR OPP SAMARTHESHWAR TEMPLE, LAW GARDEN ELLISBRIDGE, AHMEDABAD, Gujarat - 380006, INDIA

B18571943

2

10302134

21/07/2011

800,000,000.00

Axis Bank Limited

TRISHUL 3RD FLOOR OPP SAMARTHESHWAR TEMPLE, LAW GARDEN ELLISBRIDGE, AHMEDABAD, Gujarat - 380006, INDIA

B18571935

3

80053216

21/10/2013 *

390,000,000.00

State Bank of India

Mid Corporate Loan Adm.Unit, Shree Hari Bldg., RTO Lane, Four Bunglows, Andheri (West), Mumbai, Maharashtra - 400053, INDIA

B88513148

 

* Date of charge modification

 

 

CORPORATE INFORMATION

 

The Company is a public company domiciled in India and incorporated under the provision of the Companies Act, 1956. Its shares are not listed on any stock exchange in India. The company is engaged in the manufacturing and selling of Active Pharmaceutical Ingredient (API), finished dosages and generics. The Company is admired in India for leadership in diabetes and cardio-vascular space, as well as strong brands in other segments.

 

 

FIXED ASSETS

 

Ø  Land – Freehold

Ø  Land – Leasehold

Ø  Factory Building

Ø  Residential Buildings

Ø  Office Premises

Ø  Plant and Machinery

Ø  Office Equipments

Ø  Furniture and Fixtures

Ø  Vehicles

Ø  Computers

 

 


 

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.63.05

UK Pound

1

Rs.101.45

Euro

1

Rs.84.95

 

 

INFORMATION DETAILS

 

Information Gathered by :

PLK

 

 

Report Prepared by :

ANK

 


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

8

PAID-UP CAPITAL

1~10

6

OPERATING SCALE

1~10

7

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

8

--PROFITABILIRY

1~10

8

--LIQUIDITY

1~10

8

--LEVERAGE

1~10

8

--RESERVES

1~10

7

--CREDIT LINES

1~10

8

--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

YES

--AFFILIATION

YES/NO

YES

--LISTED

YES/NO

NO

--OTHER MERIT FACTORS

YES/NO

YES

DEFAULTER

 

 

--RBI

YES/NO

NO

--EPF

YES/NO

NO

TOTAL

 

68

 

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.