MIRA INFORM REPORT

 

 

Report Date :

24.09.2013

 

IDENTIFICATION DETAILS

 

Name :

BAYER PHARMACEUTICALS PRIVATE LIMITED

 

 

Formerly Known As :

BAYER ZYDUS HEALTHCARE PRIVATE LIMITED

 

 

Registered Office :

Olympia, First Floor, Central Avenue, Hiranandani Gardens, Powai, Mumbai – 400076, Maharashtra

 

 

Country :

India

 

 

Financials (as on) :

31.03.2012

 

 

Date of Incorporation :

29.07.1998

 

 

Com. Reg. No.:

11-116021

 

 

Capital Investment / Paid-up Capital :

Rs. 263.200 Millions

 

 

CIN No.:

[Company Identification No.]

U05195MH1998PTC116021

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

MUMB08712E

 

 

PAN No.:

[Permanent Account No.]

AABCB3852F

 

 

Legal Form :

Private Limited Liability Company

 

 

Line of Business :

Manufacturer, Seller and Distribution of Pharma and Animal Health Products and also Seller and Distribution of Diabetes Care Products.

 

 

No. of Employees :

Not Available

 

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba (50)

 

RATING

STATUS

 

PROPOSED CREDIT LINE

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

Satisfactory

 

 

Maximum Credit Limit :

USD 1548000

 

 

Status :

Good

 

 

Payment Behaviour :

Regular

 

 

Litigation :

Clear

 

 

Comments :

Subject is a well established and a reputed company having a good track record.

 

Profit margin of the company appears to be good.

 

However, trade relations are reported as fair. Business is active. Payment are reported to be regular and as per commitments.

 

The company can be considered for 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.

 

 

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

 

We are living in a world where volatility and uncertainty have become the New Normal. We saw a change of government in countries like Tunisia, Egypt, Libya and Vietnam. Once powerful countries in Europe are now fighting for bankruptcy. We have taken growth in the developing part of the world for granted but economic growth in China and India has begun to slow. Companies that were synonymous with their product categories just a few years ago are now no longer in existence. Kodak, the inventor of the digital camera had to wind up its operations, HMV, the British entertainment retailing company and Borders, once the second largest bookstore have shut down due to their inability to evolve their business models with the changing time. Readers’ Digest, Thomson Register are no more !

 

There is another megatrend happening. The World order is changing as economic power shifts from West to East. According to McKinsey study, it took Britain more than 100 years to double its economic output per person during its industrial revolution and the US later took more than 50 years to do the same. More than a century later, China and India have doubled their GDP per capital in 12 and 18 years respectively. By 2020, emerging Asia will become the world’s largest consuming block, overtaking North America.

 

The years after the outbreak of the global financial crisis, the world economy continues to remain fragile. The Indian economy demonstrated remarkable resilience in the initial years of the contagion but finally lost ground last year. GDP growth slowed down. Currency has been weakening. There is a marked deceleration in agriculture, industry and services. Dampening sentiment led to a cut-back in investment as well as private consumption expenditure.  Inflation remained at high levels fuelled by the pressure from the food and fuel sectors. The large fiscal and current account deficit s continued to cause grave concern. It is imperative that India regains its growth trajectory of 8-9 % sooner than later. This is crucially important given the need to create gainful livelihood opportunities for the millions living in poverty as also the large contingent of young people joining the job market every year.

 

 

EXTERNAL AGENCY RATING

 

Rating Agency Name

CRISIL

Rating

Long term rating : A

Rating Explanation

Adequate degree of safety and carry low credit risk.

Date

December 24, 2012

 

 

Rating Agency Name

CRISIL

Rating

Short term rating : A1

Rating Explanation

Strong degree of safety and carry lowest credit risk.

Date

December 24, 2012

 

 

RBI DEFAULTERS’ LIST STATUS

 

Subject’s name is not enlisted as a defaulter in the publicly available RBI Defaulters’ list.

 

 

EPF (Employee Provident Fund) DEFAULTERS’ LIST STATUS

 

Subject’s name is not enlisted as a defaulter in the publicly available EPF (Employee Provident Fund) Defaulters’ list as of 31-03-2012.

 

 

LOCATIONS

 

Registered Office :

Olympia, First Floor, Central Avenue, Hiranandani Gardens, Powai, Mumbai – 400076, Maharashtra, India

Tel. No.:

91-22-25711234

Fax No.:

91-22-25700147/ 25455080/ 25705940

E-Mail :

dhananjay.bhagwat@bayercropscience.com

dhananjay.bhagwat@bayer.com

vikas.soni@bayer.com

padmashri.joshi@bayer.com

Website :

http://www.bayergroupindia.com

 

 

Head Office:

Kolshet Road, Thane – 400607, Maharashtra, India

Tel. No.:

91-22-5311234

 

 

Branch Office 1 :

1st Floor, 9 Harleys Road, Kilpauk, Chennai - 600010, Tamilnadu, India

Tel. No.:

91-44-26453730

Fax No.:

91-44-26453740

 

 

Branch Office 2 :

ECOSPACE, Building No.3A, Unit No. 502, 5th Floor, 59 M Wide (R.O.W) Road, New Town, Rajarhat, Kolkata – 700156, West Bengal, India

Tel. No.:

91-33-66227123

Fax No.:

91-33-66227198/ 99

 

 

DIRECTORS

 

AS ON 27.09.2012

 

Name :

Angel Michaelo Luna Evangelista

Designation :

Managing director

Address :

Flat No. 502, 5th Floor, Evita Building, Hiranandani Gardens, Powai, Mumbai - 400076, Maharashtra, India

Date of Birth/Age :

06.10.1965

Qualification :

B.Sc., Dipl in Industrial Engineering, MBM, MBA

Experience :

16 Years

Date of Appointment :

01.07.2011

PAN No.:

AAVPE4411C

DIN No.:

03030559

Other Directorship :

 

S.No.

CIN/LLPIN

Name of the Company/ LLP

Current designation of the Director/ Designated Partner

Date of appointment at current designation

Original date of appointment

Company/ LLP Status

Defaulting status

1

U91120MH1965GAP013389

ORGANISATION OF PHARMACEUTICAL PRODUCERS OF INDIA

Director

01/03/2010

01/03/2010

Active

NO

2

U05195MH1998PTC116021

BAYER PHARMACEUTICALS PRIVATE LIMITED

Managing director

01/07/2011

04/05/2010

Active

NO

3

U24233MH2011PTC213118

BAYER ZYDUS PHARMA PRIVATE LIMITED

Managing director

24/03/2011

07/02/2011

Active

NO

 

 

Name :

Fidahusein Yacub Merchant

Designation :

Director

Address :

201, Louella, Plot No. 443, TPS 3, 14th Road, Bandra, Mumbai – 400050, Maharashtra, India

Date of Birth/Age :

03.04.1958

Date of Appointment :

30.05.2007

DIN No.:

01239956

Other Directorship :

 

S.No.

CIN/LLPIN

Name of the Company/ LLP

Current designation of the Director/ Designated Partner

Date of appointment at current designation

Original date of appointment

Company/ LLP Status

Defaulting status

1

U05195MH1998PTC116021

BAYER PHARMACEUTICALS PRIVATE LIMITED

Director

30/05/2007

10/01/2007

Active

NO

 

 

Name :

Mr. Biren Pravinchandra Dave

Designation :

Director

Address :

Flat No. 401, 4th Floor, Resort View Cooperative Housing Society Limited, Thakur Complex, Kandivali (East), Mumbai - 400101, Maharashtra, India

Date of Birth/Age :

01.07.1970

Date of Appointment :

30.05.2007

DIN No.:

01236596

Other Directorship :

 

S.No.

CIN/LLPIN

Name of the Company/ LLP

Current designation of the Director/ Designated Partner

Date of appointment at current designation

Original date of appointment

Company/ LLP Status

Defaulting status

1

U05195MH1998PTC116021

BAYER PHARMACEUTICALS PRIVATE LIMITED

Director

30/05/2007

10/01/2007

Active

NO

 

 

KEY EXECUTIVES

 

Name :

Mr. Dhananjay Manohar Bhagwat

Designation :

Secretary

Address :

B-12, Ghanashyam Society, Dr. Rajendra Prasad Road, Opposite Ram Nagar, Post Office, Dombivali, Thane - 421201, Maharashtra, India

Date of Birth/Age :

20.04.1976

Date of Appointment :

30.04.2007

PAN No.:

AIYPB4398Q

 

 

Name :

Mr. Rajesh Aggarwal

Designation :

Country Group Head – Southern Asia

 

 

Name :

Mr. Vishwanath Nilakantan

Designation :

Manager - National Key Accounts

 

 

Name :

Mr. Mayank Tripathi

Designation :

Leadership Associate

 

 

Name :

Mr. Santanu Rudra

Designation :

Head - Marketing

 

 

Name :

Mr. Nilesh Nayak

Designation :

Head - Training

 

 

Name :

Mr. Manoj Saxena

Designation :

Business Unit Head – General Medicine

 

 

Name :

Mr. Rakesh Julka

Designation :

Country Division Head - Diabetes Care

 

 

Name :

Mr. Pradeep Sharma

Designation :

Businees Unit Head – Speciality Products

 

 

Name :

N.V. Chalapathi Rao

Designation :

Chief Administrative Officer

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

AS ON 27.09.2012

 

Names of Equity Shareholders

 

No. of Shares

 

Bayer (South East Asia) Pte. Limited, Singapore

 

21316699

Bayer South East Asia Pte. Limited, Singapore Jointly with Shirin V. Balsara

 

1

Bayer South East Asia Pte. Limited, Singapore Jointly with Pradnesh Kamat

 

1

 

 

 

Total

 

 

21316701

 

 

Names of Preference Shareholder

 

No. of Shares

 

Bayer Material Science Private Limited, India

 

5000000

 

 

 

Total

 

 

5000000

 

 

AS ON 27.09.2012

 

Equity Share Breakup

Percentage of Holding

Category

 

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

100.00

 

 

Total

 

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Manufacturer, Seller and Distribution of Pharma and Animal Health Products and also Seller and Distribution of Diabetes Care Products.

 

 

 

GENERAL INFORMATION

 

No. of Employees :

Not Available

 

 

Bankers :

Not Available

 

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

Price Waterhouse

Chartered Accountants

Address :

Plot YOY 14, Block EP, Sector V, Salt Lake Electronic Complex, Bidhan Nagar, Kolkata – 700091, West Bengal, India

Income-tax PAN of auditor or auditor's firm :

AAEFP3641G

 

 

Fellow Subsidiary company :

·         Bayer Business Services GmbH

·         Bayer (China) Limited

·         Bayer Direct Services GmbH

·         Bayer BioScience Private Limited

·         Bayer Malibu Polymers Private Limited

·         Nunhems India Private Limited

·         Bayer Animal Health GmbH

·         Bayer HealthCare AG

·         Bayer (Malaysia) Sdn. Bhd., Malaysia

·         Bayer Animal Health GmbH, Germany

·         Bayer BioScience Private Limited, India

·         Bayer Business Services GmbH, Germany

·         Bayer CropScience Limited, Bangladesh

·         Bayer CropScience Limited, India

·         Bayer HealthCare Company Limited, China

·         Bayer Healthcare Limited, Hong Kong

·         Bayer HealthCare LLC, U.S.A.

·         Bayer Healthcare Pharmaceuticals Inc., U.S.A.

·         Bayer Korea Limited, Korea

·         Bayer MaterialScience Private Limited, India

·         Bayer Pakistan (Private) Limited, Pakistan

·         Bayer Pharma AG, Germany (formerly Bayer Schering Pharma AG, Germany)

·         Bayer Philippines Inc., Philippines

·         Bayer Public Limited Company, United Kingdom

·         Bayer Schering Pharma OY, Finland

·         Bayer Thai Company Limited, Thailand

·         Bayer Vietnam Limited, Vietnam

·         Bilag Industries Private Limited, India

·         KVP Pharma+Veterinar Produkte GmbH, Germany

·         Nunhems India Private Limited, India

 

 

Ultimate Holding company :

Bayer AG, Germany

 

 

Holding company :

Bayer (South East Asia) Pte Limited, Singapore

 

 

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

Management personnel and their relatives :

Bayer Zydus Pharma Private Limited (with effect from May 1, 2011)

 

 

CAPITAL STRUCTURE

 

AS ON 31.03.2012

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

22,240,000

Equity Shares

Rs. 10/- each

Rs. 222.400 Millions

12,000,000

Preference Shares

Rs. 10/- each

Rs. 120.000 Millions

 

Total

 

Rs. 342.400 Millions

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

21,316,701

Equity Shares

Rs. 10/- each

Rs. 213.167 Millions

5,000,000

Preference Shares

Rs. 10/- each

Rs. 50.000 Millions

 

Total

 

Rs. 263.167 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

 

263.200

263.200

(b) Reserves & Surplus

 

123.800

(77.300)

(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)

 

387.000

185.900

 

 

 

 

(3) Non-Current Liabilities

 

 

 

(a) long-term borrowings

 

0.000

0.000

(b) Deferred tax liabilities (Net)

 

0.000

0.000

(c) Other long term liabilities

 

3.300

4.700

(d) long-term provisions

 

16.900

11.000

Total Non-current Liabilities (3)

 

20.200

15.700

 

 

 

 

(4) Current Liabilities

 

 

 

(a) Short term borrowings

 

187.400

150.000

(b) Trade payables

 

194.600

227.600

(c) Other current liabilities

 

60.400

87.800

(d) Short-term provisions

 

11.500

34.400

Total Current Liabilities (4)

 

453.900

499.800

 

 

 

 

TOTAL

 

861.100

701.400

 

 

 

 

II.            ASSETS

 

 

 

(1) Non-current assets

 

 

 

(a) Fixed Assets

 

 

 

(i) Tangible assets

 

10.900

15.800

(ii) Intangible Assets

 

19.000

50.100

(iii) Capital work-in-progress

 

0.000

0.200

(iv) Intangible assets under development

 

4.900

18.300

(b) Non-current Investments

 

0.000

0.000

(c) Deferred tax assets (net)

 

25.700

37.800

(d)  Long-term Loan and Advances

 

25.100

31.500

(e) Other Non-current assets

 

0.000

0.000

Total Non-Current Assets

 

85.600

153.700

 

 

 

 

(2) Current assets

 

 

 

(a) Current investments

 

0.000

0.000

(b) Inventories

 

347.700

290.000

(c) Trade receivables

 

376.500

144.000

(d) Cash and cash equivalents

 

16.900

12.300

(e) Short-term loans and advances

 

34.400

101.400

(f) Other current assets

 

0.000

0.000

Total Current Assets

 

775.500

547.700

 

 

 

 

TOTAL

 

861.100

701.400

 

 

SOURCES OF FUNDS

 

 

 

31.03.2010

SHAREHOLDERS FUNDS

 

 

 

1] Share Capital

 

 

263.167

2] Share Application Money

 

 

0.000

3] Reserves & Surplus

 

 

127.333

4] (Accumulated Losses)

 

 

(134.266)

NETWORTH

 

 

256.234

LOAN FUNDS

 

 

 

1] Secured Loans

 

 

0.000

2] Unsecured Loans

 

 

247.000

TOTAL BORROWING

 

 

247.000

DEFERRED TAX LIABILITIES

 

 

0.000

 

 

 

 

TOTAL

 

 

503.234

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

 

 

117.599

Capital work-in-progress

 

 

4.730

 

 

 

 

INVESTMENT

 

 

0.000

DEFERRED TAX ASSETS

 

 

36.561

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

 

 

309.421

 

Sundry Debtors

 

 

127.852

 

Cash & Bank Balances

 

 

14.416

 

Other Current Assets

 

 

0.000

 

Loans & Advances

 

 

137.217

Total Current Assets

 

 

588.906

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Sundry Creditors

 

 

182.133

 

Other Current Liabilities

 

 

25.030

 

Provisions

 

 

37.399

Total Current Liabilities

 

 

244.562

Net Current Assets

 

 

344.344

 

 

 

 

MISCELLANEOUS EXPENSES

 

 

0.000

 

 

 

 

TOTAL

 

 

503.234

 

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

31.03.2012

 

31.03.2011

31.03.2010

 

SALES

 

 

 

 

 

TOTAL                                    

2019.800

1733.000

1418.000

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

TOTAL                                    

1699.500

1804.600

1447.000

 

 

 

 

 

 

PROFIT/ (LOSS) BEFORE TAX

320.300

(71.600)

(29.000)

 

 

 

 

 

Less

TAX                                                                 

119.200

(1.300)

25.300

 

 

 

 

 

 

PROFIT/ (LOSS) AFTER TAX

201.100

(70.300)

(54.300)

 

 

 

 

 

 

EARNINGS IN FOREIGN CURRENCY

 

 

 

 

 

Export Earnings

207.200

317.000

215.000

 

 

 

 

 

 

Earnings/ (Loss) Per Share (Rs.)

9.43

(3.30)

(4.84)

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2012

31.03.2011

31.03.2010

PAT / Total Income

(%)

9.96

(4.06)

(3.83)

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

38.57

(11.10)

(4.10)

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

0.83

(0.39)

(0.11)

 

 

 

 

 

Debt Equity Ratio

(Total Debt/Networth)

 

0.48

0.81

0.96

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

1.71

1.10

2.41

 

 

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

No

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

 

S.NO.

CHARGE ID

DATE OF CHARGE CREATION/MODIFICATION

CHARGE AMOUNT SECURED

CHARGE HOLDER

ADDRESS

SERVICE REQUEST NUMBER (SRN)

1

90143188

29/12/2000

30,000,000.00

HDFC BANK LIMITED

TRANSACTIONAL BAKING GROUP; KAMAL MILL COMPOUND, SENAPATI BAPAT MARG; LOWER PAREL, MUMBAI - 400013, MAHARASHTRA, INDIA

-

2

90143114

13/11/2000

40,000,000.00

UNION BANK OF INDIA

INDUSTRIAL FINANCE BRANCH; UNION BANK BHAVAN, 1ST FLOOR; 239; V.B. MARG; NARIMAN POINT, MUMBAI - 400021, MAHARASHTRA, INDIA

-

3

90146136

13/11/2000

4,000,000.00

UNION BANK OF INDIA

INDUSTRIAL FINANCE BRANCH; UNION BANK BHAVAN, 1ST FLOOR; 239; V.B. MARG; NARIMAN POINT, MUMBAI - 400021, MAHARASHTRA, INDIA

-

 

 

UNSECURED LOANS

 

UNSECURED LOANS

31.03.2012

(Rs. In Millions)

31.03.2011

(Rs. In Millions)

SHORT TERM BORROWINGS

 

 

Loans repayable on demand

82.400

0.000

Intercorporate deposits

105.000

150.000

 

 

 

Total

 

187.400

150.000

 

 

Note:

The registered office of the company has been shifted from Bayer House, Central Avenue, Hiranandani Gardens, Powai, Mumbai - 400076, Maharashtra, India to the present w.e.f.01.06.2013

 

 

COMPANY PROFILE

 

Subject is a Company incorporated under The Companies Act, 1956 and having its registered office at Bayer House, Central Avenue, Hiranandani Gardens, Powai, Mumbai - 400076. The Company is engaged into manufacture, sales and distribution of pharma and animal health products and sale and distribution of diabetes care products.

 

 

OPERATIONS AND PERFORMANCE DURING THE YEAR

 

During the year, the Company has earned a total income of INR 2019.800 Millions (previous year INR 1733.000 Millions) which includes INR 207.200 Millions (previous financial period INR 317.200 Millions) by way of exports and reimbursement of expenses. After meeting the operative expenses, the Company’s profit before tax works out to INR 320.300 Millions (as compared to loss of INR 71.600 Millions in the previous financial year).

 

 

FIXED ASSETS:

 

·         Plant and equipment

·         Furniture and fixtures

·         Vehicles

·         Office equipment

·         Goodwill

·         Computer software


 

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. 62.52

UK Pound

1

Rs. 100.26

Euro

1

Rs. 84.67

 

 

INFORMATION DETAILS

 

Report Prepared by :

BVA

 


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

6

PAID-UP CAPITAL

1~10

6

OPERATING SCALE

1~10

6

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

5

--PROFITABILIRY

1~10

6

--LIQUIDITY

1~10

5

--LEVERAGE

1~10

6

--RESERVES

1~10

5

--CREDIT LINES

1~10

5

--MARGINS

-5~5

--

DEMERIT POINTS

 

 

--BANK CHARGES

YES/NO

NO

--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

DEFAULTERS 

 

 

--RBI

YES/NO

NO

--EPF

YES/NO

NO

TOTAL

 

50

 

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.