MIRA INFORM REPORT

 

 

Report Date :

22.10.2013

 

IDENTIFICATION DETAILS

 

Name :

ACG PHARMAPACK PRIVATE LIMITED (w.e.f. 11.01.2008)

 

 

Formerly Known As :

PRIKARNA PROPERTIES PRIVATE LIMITED

 

 

Registered Office :

1001, Dalamal House, 10th Floor, Nariman Point, Mumbai – 400 021, Maharashtra

 

 

Country :

India

 

 

Financials (as on) :

31.03.2012

 

 

Date of Incorporation :

01.12.2004

 

 

Com. Reg. No.:

11-149770

 

 

Capital Investment / Paid-up Capital :

Rs. 85.463 Millions

 

 

CIN No.:

[Company Identification No.]

U45200MH2004PTC149770

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

PNEA11035D

 

 

PAN No.:

[Permanent Account No.]

AAHCA0550D

 

 

Legal Form :

Private Limited Liability Company

 

 

Line of Business :

Manufacturer of Blist Pack Films.

 

 

No. of Employees :

Information declined by management 

 

 

RATING & COMMENTS

 

MIRA’s Rating :

B (33)

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Maximum Credit Limit :

USD 2000000

 

 

Status :

Moderate

 

 

Payment Behaviour :

Slow but correct

 

 

Litigation :

Clear

 

 

Comments :

Subject is an established company having moderate track record. Profitability of the company appears to be low.

 

However, trade relation reported to be fair. Business is active. Payment terms are reported to be slow but correct.

 

The company can be considered for business dealing 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 – March 31st, 2013

 

Country Name

Previous Rating

(31.12.2012)

Current Rating

(31.03.2013)

India

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

INDIAN ECONOMIC OVERVIEW

 

India’s current account deficit or CAD in April-June widened to 4.9 % of gross domestic product. High imports of gold and oil led to a worsening of the traqde deficit, resulting in CAD jumping to $ 21.8 billion to the latest quarter from $ 16.9 billion in the corresponding quarter of the previous financial year. The government aims to bring down CAD to 3.7 % or $ 70 billion, in 2013/14, from 4.8 % or $ 88.2 billion in 2012/13.

 

The finance ministry has started preparations for Budget 2014/15. With general elections scheduled to be held by May next year, there will only be an interim budget. The new government will present the fiscal Budget.

 

The Supreme Court has barred clinical trials for new drugs till a monitoring mechanism is put in place to protect the lives of people on which the drugs are tested.

 

Mumbai has been named the world’s second most honest city according to a survey on 15 cities worldwide by Readers’ Digest magazine. Finnish capital Helsinki bagged the top spot for the world’s most honest city while Lisbon, the capital of Portugal, proved to be the least honest.  The survey put hundreds of people to test in four continents to find out just how honest they were by dropping wallets and seeing how many would be returned.

 

3.7 % Growth of the core sector in August, a seven month high. This takes the overall growth in April-August this year to 2.3 % compared with 6.3 % in the corresponding period next financial year.

 

$19 million Estimated average spending by companies across the globe including India, on social media this year, according to a global study by information technology major Tata Consultancy Services. This will rise to $ 24 million in 2015.

 

Rising inflation, fewer employment avenues and dwindling earnings are taking a toll on the spending capacity in India. Over 72 % respondents from middle and lower middle income families would be forced to slash their Diwali expenditure by 40 % and on average spend nearly 25 % of their monthly salary on Diwali, according to a survey by Assochem.

 

Analysts believe the shutdown of the US government would have limited impact in sectors such as IT or tourism that are dependent on Visa clearances.

 

 

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

 

MANAGEMENT NON CO-OPERATIVE (91-2169-305252)

 

 

LOCATIONS

 

Registered Office/ Corporate Headquarters :

1001, Dalamal House, 10th Floor, Nariman Point, Mumbai – 400 021, Maharashtra, India

Tel. No.:

91-22-22872557/ 30089444/ 45

Fax No.:

91-22-22872560

E-Mail :

gopal.shetty@acg-world.com

kishor.limaye@acg-world.com

gopal.shetty@acg-world.com

vivek.joshi@acg-world.com

info@acg-world.com

Website :

http://www.acg-world.com

http://www.acg-pharmapack.com

 

 

Factory  :

Shindewadi, Taluka Khandala, Shirwal, District Satara – 412 801, Maharashtra, India

Tel. No.:

91-2169-244001/ 305252

Fax No.:

91-2169-244379/ 305218

E-Mail :

sales.pharmapack@acg-world.com

 

 

Sales/ Research Center :

Saitech Center, 7, Prabhat Nagar, Patel Estate, Jogeshwari (West), Mumbai – 400 102, Maharashtra, India

Tel No.:

91-22-26780127/ 26791955/ 26789642

Fax No.:

91-22-26783244

Email :

sales.pharmapack@acg-world.com

 

 

DIRECTORS

 

AS ON 29.09.2012

 

Name :

Mr. Ajit Daljit Singh

Designation :

Director

Address :

1-A, Brighton Rungata Lane, Nepeansea Road, Mumbai – 400 006, Maharashtra, India

Date of Birth/Age :

20.11.1941

Qualification :

M.A (CANTAB) and Post Graduate work at Harvard Business School, USA

Date of Appointment :

01.12.2004

PAN No.:

AAIPS7652Q

DIN No.:

00915347 

 

 

Name :

Mr. Jasjit Daljit Singh

Designation :

Director

Address :

2-B, Swapnalok, L.J. Marg. Nepeansea Road, Mumbai – 400 006, Maharashtra, India

Date of Birth/Age :

03.04.1943

Qualification :

B.E (Mechanical)

Date of Appointment :

01.12.2004

PAN No.:

AAGPS7557Q

DIN No.:

00901470

 

 

KEY EXECUTIVES

 

Name :

Mr. Dilip Ganpat Nagool

Designation :

Company Secretary

Address :

A-302, Centre Point, Opposite TMC, Panchpakhadi, Thane – 400 602, Maharashtra, India

Date of Birth/Age :

14.11.1956

Date of Appointment :

21.05.2008

PAN No.:

AAAPM1770C

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

AS ON 29.09.2012

 

Names of Shareholders (Equity Shares)

 

No. of

Shares

Associated Capsules Private Limited, India

 

4900

Ajit Singh Nominee of Associated Capsules Private Limited, India

 

100

Associated Capsules Private Limited, India

 

4900

Jasjit Singh Nominee of Associated Capsules Private Limited, India

 

100

Jasjit Singh HUF

 

12765

Kavita Jasjit Singh

 

3780

Nandini Jasjit Singh

 

1980

Singh Family Trust

 

180

Sardar Daljit Singh HUF

 

5580

MNT Will Trust

 

180

Priya Jasjit Singh

 

1980

Karan Jasjit Singh

 

1980

Jasjit Daljit Singh

 

228733

Ajit Daljit Singh

 

251398

Packshield India Private Limited, India

 

539720

TOTAL

 

1058276

 

 

Names of Shareholders (Preference Shares)

 

No. of

Shares

AE Advisors Private Limited, India

 

7488000

TOTAL

 

7488000

 

 

Equity Share Break up (Percentage of Total Equity)

 

AS ON 29.09.2012

 

Category

Percentage

Bodies corporate

51.94

Directors or relatives of Directors

48.06

 

 

TOTAL

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Manufacturer of Blist Pack Films.

 

 

Products :

Item Code No. (ITC Code)

39204900

Product Description

Other Plates Sheets

of Polymr of

Vinyl Chlorid

 

 

GENERAL INFORMATION

 

No. of Employees :

Information declined by management 

 

 

Bankers :

  • Standard Chartered Bank, Crescenzo, 3A/F, Plot no. C-38 and 39, G Block, Bandra Kurla Complex, Bandra East, Mumbai - 400051, Maharashtra, India
  • Standard Chartered Bank, 90, M.G. Road, Fort, Mumbai – 400 001, Maharashtra, India
  • HDFC Bank Limited, 4th Floor, Millennium Towers, Bhandarkar Road, Pune – 411 004, Maharashtra, India
  • HDFC Bank Limited, HDFC Bank House, Senapati Bapat Marg, Lower Parel (West), Mumbai – 400 013, Maharashtra, India

 

 

Facilities :

Secured Loan

As on 31.03.2012

[Rs. in Millions]

As on 31.03.2011

[Rs. in Millions]

Long Term Borrowings

 

 

Rupee term loans from banks

(Secured by way of pari passu charge on movable fixed assets of the company)

26.169

52.734

 

 

 

Short Term Borrowings

 

 

Working capital loans from banks

(Secured by hypothecation of present and future stock of Raw material, stock in process, finished goods, Stores and spares, book debts)

358.063

245.339

TOTAL

384.232

298.073

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

Contractor Nayak and Kishnadwala

Chartered Accountant

Address :

5th Floor,Narain, Chambers, M.G. Road, Vile Parle (East), Mumbai-400057, Maharashtra, India

PAN.:

AACFC8587E

 

 

Holding Company :

Packshield India Private Limited, India

(CIN No.: U28129MH2003PTC139916)

 

 

Jointly Controlled Entities :

v  ACG Hongkong Limited

v  ACG Do Brazil Representacoes Comerciais S.A

 

 

Companies / Firms over which the Directors have significant influence or control :

Companies

v  ACG Arts and Properties Private Limited

v  ACG Ajas Components Private Limited

v  ACG Pampac Machines Private Limited

v  ACG Real Estate Private Limited (formerly Trambak Developers Private Limited)

v  Pam Inteck Machines Private Limited

v  ACG Korsch Compression Technologies Private Limited

v  Nepean Holdings Private Limited

v  Scitech Centre

v  ACG Pam Glatt Pharma Technologies Private Limited

v  EH Advisors and Consultants Private Limited

v  AE Advisors Private Limited

 

Foreign Companies

v  ACG North America LLC

v  PT. Universal Capsules Indonesia INC

v  Universal Capsules Philippines Inc

v  Amiricaps USA

v  Symtech International Limited, Dubai

v  First Ventures Limited, Dubai Proprietor AS

v  Transworld Investments Limited, Dubai Proprietor JS

v  ACG Europe Limited

v  ACG Holding B.V, Netherlands

v  Lukaps d.o.o, Croatia

 

Firms

v  Aries Components Mfg and Co

v  Bulk Buyers

v  Capsulabs

v  Centercops

v  Pharmagents

 

HUF

v  Jasjit Singh (HUF)

v  Sardar Daljit Singh (HUF)

 

TRUSTS

v  CNS Trust

v  MNT Will Trust

v  Singh Family Trust

 

PROPRIETORSHIP

v  Reflection

 

 

Enterprises which are

owned, or have significant

influence of or are partners

with Key management

personnel and their relatives :

·         ACG Associated Capsules Private Limited

CIN No.: U24239MH1961PTC012061

·         ACG Inspection Systems Private Limited

CIN No.: U72300MH2009PTC192362

·         ACG Pam Pharma Technologies Private Limited

CIN No.: U24239MH1972PTC015632

·         AE Advisors Private Limited

·         Custom Capsules Private Limited

CIN No.: U24235MH1988PTC048924

 

 

CAPITAL STRUCTURE

 

AS ON 31.03.2012

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

1500000

Equity Shares

Rs.10/- each

Rs. 15.000 Millions

9500000

Preference Shares

Rs. 10/- each

Rs. 95.000 Millions

 

TOTAL

 

Rs.110.000 Millions

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

1058276

Equity Shares

Rs.10/- each

Rs.10.583 Millions

7488000

Preference Shares

Rs.10/- each

Rs.74.880 Millions

 

TOTAL

 

Rs.85.463 Millions

 

 


 

FINANCIAL DATA

[all figures are in Rupees Millions]

 

ABRIDGED BALANCE SHEET

 

SOURCES OF FUNDS

 

 

31.03.2012

31.03.2011

I.              EQUITY AND LIABILITIES

 

 

 

(1)Shareholders' Funds

 

 

 

(a) Share Capital

 

85.463

104.184

(b) Reserves & Surplus

 

554.747

545.021

(c) Money received against share warrants

 

0.000

0.000

 

 

 

 

(2) Share Application money pending allotment

 

0.000

0.000

Total Shareholders’ Funds (1) + (2)

 

640.210

649.205

 

 

 

 

(3) Non-Current Liabilities

 

 

 

(a) long-term borrowings

 

121.812

148.377

(b) Deferred tax liabilities (Net)

 

16.487

11.179

(c) Other long term liabilities

 

0.000

0.000

(d) long-term provisions

 

7.714

6.975

Total Non-current Liabilities (3)

 

146.013

166.531

 

 

 

 

(4) Current Liabilities

 

 

 

(a) Short term borrowings

 

358.063

245.339

(b) Trade payables

 

146.753

80.467

(c) Other current liabilities

 

60.651

56.542

(d) Short-term provisions

 

6.623

53.131

Total Current Liabilities (4)

 

572.090

435.479

 

 

 

 

TOTAL

 

1358.313

1251.215

 

 

 

 

II.            ASSETS

 

 

 

(1) Non-current assets

 

 

 

(a) Fixed Assets

 

 

 

(i) Tangible assets

 

499.986

513.039

(ii) Intangible Assets

 

0.000

0.000

(iii) Capital work-in-progress

 

2.409

0.000

(iv) Intangible assets under development

 

0.000

0.000

(b) Non-current Investments

 

1.299

1.299

(c) Deferred tax assets (net)

 

0.000

0.000

(d) Long-term Loan and Advances

 

15.952

7.160

(e) Other Non-current assets

 

0.000

0.000

Total Non-Current Assets

 

519.646

521.498

 

 

 

 

(2) Current assets

 

 

 

(a) Current investments

 

0.000

0.000

(b) Inventories

 

283.456

201.276

(c) Trade receivables

 

454.033

423.465

(d) Cash and cash equivalents

 

2.046

2.355

(e) Short-term loans and advances

 

94.695

98.038

(f) Other current assets

 

4.437

4.583

Total Current Assets

 

838.667

729.717

 

 

 

 

TOTAL

 

1358.313

1251.215

 

 

SOURCES OF FUNDS

 

 

 

31.03.2010

SHAREHOLDERS FUNDS

 

 

 

1] Share Capital

 

 

104.184

2] Share Application Money

 

 

0.000

3] Reserves & Surplus

 

 

553.694

4] (Accumulated Losses)

 

 

0.000

NETWORTH

 

 

657.878

LOAN FUNDS

 

 

 

1] Secured Loans

 

 

265.141

2] Unsecured Loans

 

 

95.644

TOTAL BORROWING

 

 

360.785

DEFERRED TAX LIABILITIES

 

 

4.573

 

 

 

 

TOTAL

 

 

1023.236

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

 

 

514.375

Capital work-in-progress

 

 

13.102

 

 

 

 

INVESTMENT

 

 

1.238

DEFERRED TAX ASSETS

 

 

0.000

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

 
 
138.561

 

Sundry Debtors

 
 
369.355

 

Cash & Bank Balances

 
 
1.236

 

Other Current Assets

 
 
94.510

 

Loans & Advances

 
 
67.613

Total Current Assets

 
 
671.275

Less : CURRENT LIABILITIES & PROVISIONS

 
 
 

 

Sundry Creditors

 
 
90.761

 

Other Current Liabilities

 
 
46.859

 

Provisions

 
 
39.134

Total Current Liabilities

 
 
176.754

Net Current Assets

 
 
494.521

 

 

 

 

MISCELLANEOUS EXPENSES

 

 

0.000

 

 

 

 

TOTAL

 

 

1023.236

 

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

 

 

31.03.2012

31.03.2011

 

 

 

 

 

 

NET TURNOVER

 

1924.000

1588.700

 

 

 

 

 

 

EXPENSES

 

NA

NA

 

 

 

 

 

 

PROFIT BEFORE INTEREST, TAX,  DEPRECIATION AND AMORTISATION

 

92.000

109.800

 

 

 

 

 

Less

INTEREST COST                                               

 

29.400

27.600

 

 

 

 

 

 

PROFIT BEFORE TAX, DEPRECIATION AND AMORTISATION

 

62.600

82.200

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                    

 

47.600

45.100

 

 

 

 

 

 

PROFIT BEFORE TAX

 

15.000

37.100

 

 

 

 

 

Less

TAX                                                                 

 

5.300

6.600

 

 

 

 

 

 

PROFIT AFTER TAX

 

9.700

30.500

 

 

 

 

 

Add

PREVIOUS YEARS’ BALANCE BROUGHT FORWARD

 

8.800

20.600

 

 

 

 

 

Less

APPROPRIATIONS

 

 

 

 

General Reserve

 

0.000

3.100

 

Dividend on Preferences Shares

 

0.000

39.200

 

 

 

 

 

 

BALANCE CARRIED TO THE B/S

 

18.500

8.800

 

 

 

 

 

 

EARNINGS IN FOREIGN CURRENCY

 

596.300

417.300

 

 

 

 

 

 

Earnings Per Share (Rs.)

 

9.73

0.29

 


 

 

PARTICULARS

 

 

 

31.03.2010

 

GROSS TURNOVER

 

 

1245.000

 

 

 

 

 

 

EXPENSES

 

 

NA

 

 

 

 

 

 

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

 

 

24.000

 

 

 

 

 

Less

INTEREST COST                                               

 

 

11.400

 

 

 

 

 

 

PROFIT/(LOSS) BEFORE TAX, DEPRECIATION AND AMORTISATION

 

 

12.600

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                    

 

 

35.500

 

 

 

 

 

 

PROFIT/(LOSS) BEFORE TAX

 

 

(22.900)

 

 

 

 

 

Less

TAX                                                                 

 

 

(3.300)

 

 

 

 

 

 

PROFIT/(LOSS) AFTER TAX

 

 

(19.600)

 

 

 

 

 

Add

PREVIOUS YEARS’ BALANCE BROUGHT FORWARD

 

 

40.200

 

 

 

 

 

 

BALANCE CARRIED TO THE B/S

 

 

20.600

 

 

 

 

 

 

EARNINGS IN FOREIGN CURRENCY

 

 

 

 

 

FOB Value of Exports 

 

 

342.919

 

 

Agency Commission

 

 

13.322

 

TOTAL EARNINGS

 

 

356.241

 

 

 

 

 

 

IMPORTS

 

 

 

 

 

Raw Materials

 

 

478.000

 

 

Stores & Spare Parts

 

 

0.000

 

 

Capital Goods

 

 

56.605

 

 

Others

 

 

2.876

 

TOTAL IMPORTS

 

 

537.481

 

 

 

 

 

 

Earnings/ (Loss) Per Share (Rs.)

 

 

(18.54)

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2012

31.03.2011

31.03.2010

Return on Total Assets

(PBT/Total Assets}

(%)

1.11
2.44
(1.93)

 

 

 
 
 

Return on Investment (ROI)

(PBT/Networth)

 

0.02
0.05
(0.03)

 

 

 
 
 

Debt Equity Ratio

(Total Debt /Networth)

 

0.75
0.61
0.55

 

 

 
 
 

Current Ratio

(Current Asset/Current Liability)

 

3.85
3.74
3.80

 

 

LOCAL AGENCY FURTHER INFORMATION

 

 

Sr. No.

Check List by Info Agents

Available in Report (Yes / No)

1]

Year of Establishment

Yes

2]

Locality of the firm

Yes

3]

Constitutions of the firm

Yes

4]

Premises details

No

5]

Type of Business

Yes

6]

Line of Business

Yes

7]

Promoter's background

Yes

8]

No. of employees

No

9]

Name of person contacted

No

10]

Designation of contact person

No

11]

Turnover of firm for last three years

Yes

12]

Profitability for last three years

Yes

13]

Reasons for variation <> 20%

----------------------

14]

Estimation for coming financial year

No

15]

Capital in the business

Yes

16]

Details of sister concerns

Yes

17]

Major suppliers

No

18]

Major customers

No

19]

Payments terms

No

20]

Export / Import details (if applicable)

No

21]

Market information

----------------------

22]

Litigations that the firm / promoter involved in

----------------------

23]

Banking Details

Yes

24]

Banking facility details

Yes

25]

Conduct of the banking account

----------------------

26]

Buyer visit details

----------------------

27]

Financials, if provided

Yes

28]

Incorporation details, if applicable

Yes

29]

Last accounts filed at ROC

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

No

 

 

INDEX OF CHARGES:

 

S.

No.

Charge ID

Date of Charge Creation/Modification

Charge amount secured

Charge Holder

Address

Service Request Number (SRN)

1

10187399

03/11/2009

50,000,000.00

HDFC BANK LIMITED

4TH FLOOR MILLENIUM TOWERS, BHANDARKAR ROAD, PUNE - 411004, MAHARASHTRA, INDIA

A73888133

2

10200491

24/06/2011 *

380,000,000.00

HDFC BANK LIMITED

HDFC BANK HOUSESENAPATI BAPAT MARG, LOWER PAREL WEST, MUMBAI - 400013, MAHARASHTRA, INDIA

B18421784

3

10123785

15/11/2011 *

530,000,000.00

Standard Chartered Bank

CRESCENZO, 3A/F, PLOT NO. C-38 & 39, G BLOCK, BANDRA KURLA COMPLEX, BANDRA EAST, MUMBAI - 400051, MAHARASHTRA, INDIA

B28403335

 

* Date of charge modification

 

 

UNSECURED LOAN

                                                                                                                                      

 

As on 31.03.2012

[Rs. in Millions]

As on 31.03.2011

[Rs. in Millions]

Long Term Borrowings

 

 

Deferred payment liabilities

95.643

95.643

TOTAL

95.643

95.643

 

 

CONTINGENT LIABILITIES

Rs in Millions

Particular

31.03.2012

31.03.2011

Open letters of Credit as at 31.03.2012 issued in favour of vendors to the extent materials not received till the year end. Obligation

92.234

114.392

 

 

FIXED ASSETS

 

  • Land
  • Buildings
  • Plant and Machinery
  • Data Processing Equipments
  • Vehicles
  • Furniture and Fixtures

·         Office Equipments

·         Motor Cars

 

 


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.61.49

UK Pound

1

Rs.99.41

Euro

1

Rs.84.12

 

 

INFORMATION DETAILS

 

Report Prepared by :

TPT


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

3

PAID-UP CAPITAL

1~10

4

OPERATING SCALE

1~10

4

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

4

--PROFITABILIRY

1~10

3

--LIQUIDITY

1~10

4

--LEVERAGE

1~10

4

--RESERVES

1~10

4

--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

--RBI

YES/NO

NO

--EPF

YES/NO

NO

TOTAL

 

33

 

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.