MIRA INFORM REPORT

 

 

Report Date :

15.12.2014

 

IDENTIFICATION DETAILS

 

Name :

KANDLA PORT TRUST

 

 

Registered Office :

Business Development Cell, P.O. Box 50, Administrative Building, Gandhidham, Kutch-370201, Gujarat

 

 

Country :

India

 

 

Financials (as on) :

31.03.2014

 

 

Year of Establishment:

Not Divulged

 

 

Capital Investment / Paid-up Capital :

Not Available

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

Not Available

 

 

PAN No.:

[Permanent Account No.]

Not Available

 

 

Legal Form :

Trust

 

 

Line of Business :

Providing Efficient and Economical Port Services.

 

 

No. of Employees :

Information denied by the management.

 

 

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

 

Status :

Satisfactory

 

 

Payment Behaviour :

Usually correct

 

 

Litigation :

Clear

 

 

Comments :

Subject is a well-established port having satisfactory track record. It plays a major role in the country’s international trade.

 

Financial position of the port is sound.

 

It was awarded with the major port of the year award at MALA 2013.

 

Trustees are reported to be well experiences and knowledgeable people.

 

Trade relations are reported to be decent. Business is active. Payments terms are reported to be usually correct.

 

The trust 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.

 

EXTERNAL AGENCY RATING

 

Rating Agency Name

Not Available

Rating

Not Available

Rating Explanation

Not Available

Date

Not Available

 

 

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 31-03-2014.

 

INFORMATION DECLINED

 

MANAGEMENT NON – COOPERATIVE (91-2836-238055)

 

LOCATIONS

 

Registered Office :

Business Development Cell, P.O. Box 50, Administrative Building, Gandhidham, Kutch-370201, Gujarat, India 

Tel. No.:

91-2836-238055

Mobile No.:

91-9825227914 [Mr. Ramakrishnan]

Fax No.:

91-2836-239055

E-Mail :

bdc@kandlaport.com

 

 

MANAGEMENT

 

Name :

Mr. Ravi M Parmar, IAS

Designation :

Chairman,(I/C)

Office:

Administrative Office Building P.O. Box No. 50 Gandhidham, Gujarat, India

Tel. No.:

91-2836-233001

 

 

Name :

Mr. H.K. Sibal

Designation :

Deputy Chairman(I/C),

Office:

Administrative Office Building P.O. Box No. 50 Gandhidham, Gujarat, India

Tel. No.:

91-2836-234121

 

 

Name :

Mr. Ravindra Goyal, IRTS

Designation :

Chief Freight Traffic Manager

Office:

Office of CFTM, Western Railway H.Q.
Churchgate, Mumbai - 400 020, Maharashtra, India

Mobile No.:

91- 9004490902

Fax No.:

91-22 – 22014597/22017631

Email No.:

shailenk5@hotmail.com

 

 

Name :

Mr. Amrendra Kumar Rakesh, IAS

Designation :

Chief Executive Officer and Vice Chairman,

Trustee,KPT

Office:

Gujarat Maritime Board, Opposite Airforce Station, Sector 10-A,       
Gandhinagar, Gujarat, India

Fax No.:

91-79-23234703

Email No.:

amfaad1@sancharnet.in

 

 

Name :

CMDE BR Prakash

Designation :

Naval Officer- In Charge (NOIC), Gujarat

Office:

Naval Base,Post Box No.66, Porbander-360 575, Gujarat, India

Mobile No.:

91- 9825209025

 

 

Name :

Mr. Sanjay Gehlot,IRS

Designation :

Commissioner of Customs, Trustee,KPT

Office :

"Custom House" New – Kandla, Gujarat, India

Tel No.:

91-79-27544630

 

 

Name :

Mr. DIG B.K.Loshali,

Designation :

Trustee,KPT

Office :

Commander , Chief of Staff,  Regional Head Quarters,( NW ) 7th Floor,
Udyog Bhavan  Sector-11  Gandhinagar, Gujarat, India

Mobile No.:

91-9825415140

 

 

Name :

Capt. R.K.Awasthi

Designation :

Principal Officer

Office :

Mercantile Marine Department Plot No. 16 Govt. Office Area , B/h.KPT A O. Building, Near Maitri Bhavan, Gandhidham (Kutch) -370 201, Gujarat, India

Mobile No.:

91-09819566781

Tel No.:

91-2836-297127/28

Fax No.:

91-2836-29712

 

 

Name :

Mr. M L Bellani

Designation :

Trustee

Office :

Office No.21,  Yogesh Building, Plot No.586, Ward 12-C ,Gandhidham, Gujarat, India

Mobile No.:

91- 9825227057

 

 

Name :

Mr. Mohan K Aswani

Designation :

Trustee

Office :

Kandla Port Karamchari Sangh, Shop No.9,Shopping Complex,  Bhai Pratap Nagar, Gandhidham-370 201.

Mobile No.:

91-9426271108

 

 

Name :

Lakhwinder Singh,IFS

Designation :

Trustee,KPT (Rep. Ministry of Environment, Forest and Climate Change)

Office :

Regional Office(WZ) , E-5, Kendriya Paryavaran Bhavan E-5 Area Colony, Link Road-3, Ravi Shankar Nagar, Bhopal-462016, Madhya Pradesh, India

Tel No.:

91-755-2465054/2465496,

Fax No.:

91-755- 2466525

Mobile No.:

91- 09617001213

 


 

KEY EXECUTIVES

 

 

ADMINISTRATION DEPARTMENT

 

Sr. No

Name

Designation 

Tel. No. Office

Email Id

1

Shri Bimal Kumar Jha

Secretary

233172

secretary@kandlaport.com

2

Shri MD. Feroz Hussain 

Sr. Dy. Secretary 

220033

dysecg@kandlaport.com

3

Shri P.B Thengadi 

Dy. Secretary 

221375

dysecp@kandlaport.com

 

FINANCE DEPARTMENT

 

Sr. No

Name

Designation 

Tel. No. Office

Mobile no.

Email Id

1

 

FA & CAO 

233174

 

facao@kandlaport.com

2

Shri Krishnan A.

Sr. Dy CAO

220214

9825227036

dyfag@kandlaport.com

3

Shri Rama Shankar Singh

Dy. FA & CAO

220543

9726088222

dyfac@kandlaport.com

4

Shri N.B.V. Ramana Rao

Sr. Dy. Director (EDP)

 

 

ddedp@kandlaport.com

5

Shir A.K Gupta

DD (EDP)

271056

 

ajaygupta@kandlaport.com

 

 

TRAFFIC DEPARTMENT

 

Sr. No

Name

Designation 

Tel. No. Office

Mobile no.

Email Id

1

Shri M.S. Balani 

Traffic manager

270625

9825227047

tm@kandlaport.com

2

Shri Suresh Babu

Sr. Dy. T.M

270324

9825227049

dtma@kandlaport.com

3

 

 

 

 

dtms@kandlaport.com

 

 

MARINE DEPARTMENT

 

Sr. No

Name

Designation 

Tel. No. Office

Mobile no.

Email Id

1

Capt. H.K. Sibal 

Dy. Conservator 

233585

9825227043

dc@kandlaport.com

2

Capt. T. Srinivas 

Harbour master 

270201

9825232982

hm@kandlaport.com

 

 

MECHANICAL ENGINEERING DEPARTMENT

 

Sr. No

Name

Designation 

Tel No. Office

Mobile no.

Email Id

1

Shri K. Ratna Sudhakar

Chief. Mechanical Engineer

270632

9825226944

cme@kandlaport.com

2

Shri Saroj Kumar Das

Dy. Chief Mechanical Engineer

270426

9825235196

ce@kandlaport.com

3

Shri J.K Verma

Dy. Materials manager

234444

9825227255

sso@kandlaport.com

4

Shri P.S Pathan

XEN ( Electrical )

270354

9726288222

xene@kandlaport.com

 

CIVIL ENGINEERING DEPARTMENT

 

Sr. No

Name

Designation 

Tel. No. Office

Mobile no.

Email Id

1

Shri R. Murugadoss

Chief Engineer 

233192

9825227243

ce@kandlaport.com

2

 

SE ( P )

233569

 

xenpl@kandlaport.com

3

Shri D.D Somaiya

SE ( C )

270419

9825227203

supengrc@kandlaport.com

4

 

SE ( C-1 )

270787

 

sec1@kandlaport.com

5

Shri N.M Parmar

SE ( H )

270429

9825227046

xenh@kandlaport.com

 

 

MEDICAL DEPARTMENT

 

Sr. No

Name

Designation 

Tel. No. Office

Mobile no.

Email Id

1

Dr. Kalindi Gandhi

Chief Medical Officer

225767

9825505795

cmo@kandlaport.com

 

 

OOT VADINAR

 

Sr. No

Name

Designation 

Tel. No. Office

Mobile no.

Email Id

1

Dr. G.S. Rao

Chief Operat. Manager 

256749

9825212360

com@kandlaport.com

 

 

BUSINESS DETAILS

 

Line of Business :

Providing Efficient and Economical Port Services.

 

 

Brand Names :

Not Divulged

 

 

Agencies Held :

Not Divulged

 

 

Exports :

Not Divulged

 

 

Imports :

Not Divulged

 

 

Terms :

Not Divulged

 

 

 

GENERAL INFORMATION

 

Suppliers :

Reference :

Not Divulged

Name of the Person :

Not Divulged

Contact No.:

Not Divulged

Since How Long Known :

Not Divulged

Maximum Limit Dealt :

Not Divulged

Experience :

Payment Behaviour

Market Goodwill

Overall

 

 

 

 

 

 

Remark:

 

 

 

Customers :

Reference :

Not Divulged

Name of the Person :

Not Divulged

Contact No.:

Not Divulged

Since How Long Known :

Not Divulged

Maximum Limit Dealt :

Not Divulged

Experience :

Product Quality

Delivery Behaviour

Overall

 

 

 

 

 

 

Remark:

 

 

 

No. of Employees :

Information denied by the management

 

 

Bankers :

Bank Name

Not Divulged

Branch

Not Divulged

Person Name (With Designation)

Not Divulged

Contact Number

Not Divulged

Name of Account Holder

Not Divulged

Account Number

Not Divulged

Account Since (Date/Year of Account Opening)

Not Divulged

Average Balance Maintained (If Possible)

Not Divulged

Credit Facilities Enjoyed (If any)

Not Divulged

Account Operation

Not Divulged

Remarks (If any)

Not Divulged

 

 

 

Banking Relations :

--

 

 

Auditors :

Not Divulged

 

 

Memberships :

Not Available

 

 

Collaborators :

Not Available

 

 

Sister Concern:

Not Divulged

 

 

CAPITAL STRUCTURE

 

Capital Investment :

 

Owned :

Not Available

Borrowed :

Not Available

Total :

Not Available

 


 

FINANCIAL DATA

[all figures are in Rupees Millions]

 

ABRIDGED BALANCE SHEET

 

SOURCES OF FUNDS

 

 

31.03.2014

31.03.2013

SHAREHOLDERS FUNDS

 

 

 

RESERVES AND SURPLUS

 

 

 

Capital reserve

 

15576.554

13802.284

Revenue reserves

 

16115.450

17865.840

Statutory reserves

 

3028.978

3609.092

Infrastructure resereve

 

1221.145

848.321

 

 

35942.127

36125.537

LOAN FUNDS

 

 

 

Government loans

 

161.162

161.162

 

 

 

 

TOTAL

 

36103.289

36286.699

 

 

 

 

APPLICATION OF FUNDS

 

 

 

FIXED CAPITAL ASSET

 

 

 

Gross block

 

13432.782

12775.965

Less Depreciation provision

 

5144.510

4651.809

Add: Capital work in progress

 

3188.298

2342.890

 

 

11476.570

10467.046

INVESTMENT

General investment

 

21022.507

22220.356

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

Current assets

 

 

 

i) Accrued interest

 

 

 

on Provident fund investment

 
216.490
221.125

on New Pension Scheme Investments

 
2.339
1.695

on General fund investment

 
1245.563
1345.941

Inventeries

 
15.183
16.680

Sundry debtors

 
 
 

More than six month

 
722.053
618.417

Less than six month

 
539.588
501.375

Cash and bank balances

 
806.313
648.422

Provident fund investments

 
2566.650
2474.365

New Pension Scheme Investments

 
52.500
31.500

Loans and advances

 
 
 

Advances & debit balance

 
6843.684
4627.755

Deposits

 
236.999
233.193

Advance tax

 
2721.133
2292.132

 

 
15968.495
13012.600

 

 
 
 

Less : CURRENT LIABILITIES & PROVISIONS

 
12364.283
9413.303

Total Current Liabilities

 
12364.283
9413.303

Net Current Assets

 
3604.212
3599.297

 

 

 

 

MISCELLANEOUS EXPENSES

 

0.000

0.000

 

 

 

 

TOTAL

 

36103.289

36286.699

 

PROFIT & LOSS ACCOUNT

 

 

 

PARTICULARS

 

31.03.2014

31.03.2013

 

SALES

 

 

 

 

CARGO HANDLING & STORAGE CHARGES

 

2465.891 

3004.389

 

PORT & DOCK CHARGE

 

3854.403

3953.144

 

RAILWAY EARNINGS

 

7.723

10.422

 

ESTATE RENTALS

 

1113.198

836.155

 

TOTAL OPERATING INCOME

 

7441.215

7804.110

 

 

 

 

 

 

EXPENSES

 

 

 

 

CARGO HANDLING & STORAGES

 

1249.419 

1328.907

 

PORT & DOCK FACILITIES

 

3312.860 

2462.687

 

RAILWAY WORKINGS

 

11.709 

27.180

 

RENTABLE LAND & BUILDINGS

 

408.172 

355.182

 

MANAGEMENT & GENERAL ADMINISTRATION

 

1020.083 

975.716

 

TOTAL OPERATING EXPENDITURE

 

6002.243

5149.672

 

 

 

 

 

 

OPERATING SURPLUS / DEFICIT:

 

1438.972

2654.438

 

 

 

 

 

 

ADD: FINANCE & MISCELLANEOUS INCOME

 

2639.236

2025.227

 

 

 

 

 

 

LESS: FINANCE & MISCELLANEOUS EXPENDITURE

 

2746.723

783.034

 

 

 

 

 

 

PROFIT BEFORE TAX

 

 1331.485

3896.631

 

 

 

 

 

 

PROVISION FOR DEFERRED TAX

 

17.335

0.000

 

 

 

 

 

 

INCOME TAX FOR THE YEAR

 

 954.700

1323.953

 

 

 

 

 

 

PROFIT AFTER TAX

 

 359.450

2572.678

 

 

 

 

 

 

ADD: INCOME TAX REFUNDED

 

0.000

0.000

 

 

 

 

 

 

AMOUNT AVAILABLE FOR APPROPRIATION

 

359.450

2572.678

 

 

 

 

 

 

PROFIT ON DISPOSAL OF CAPITAL ASSETS

 

45.724

0.000

 

CONTRIBUTION TO INFRASTRUCTURE RESEREVE

 

294.926 

242.110

 

CONTRIBUTION TO CAPITAL ASSETS REPLACEMENT RESERVE

 

77.492 

219.842

 

CONTRIBUTION TO RESERVE FOR REPLACEMENT  REHABILITATION&MODERNISATION OF ASSETS

 

356.792

351.704

 

CONTRIBUTION TO RESERVE FOR DEVELOPMENT REPAYMENT & CONTINGENCIES

 

356.792

351.704

 

TOTAL APPROPRIATIONS

 

1131.726

1165.360

 

 

 

 

 

 

BALANCE TRANSFERRED TO GENERAL RESERVE

 

(772.276)

1407.318

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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 two years

Yes

12]

Profitability for last two years

Yes

13]

Reasons for variation <> 20%

--

14]

Estimation for coming financial year

No

15]

Capital in the business

No

16]

Details of sister concerns

No

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

No

25]

Conduct of the banking account

--

26]

Buyer visit details

--

27]

Financials, if provided

Yes

28]

Incorporation details, if applicable

No

29]

Last accounts filed at ROC

No

30]

Major Shareholders, if available

No

31]

Date of Birth of Proprietor/Partner/Director, if available

No

32]

PAN of Proprietor/Partner/Director, if available

No

33]

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

No

34]

External Agency Rating, if available

No

 

FUTURE DEVELOPMENT:

 

LONG TERM STRATEGIES:

 

The long-term strategy of tech port will be adequate infrastructure and competitive tariff.

 

  • Additional infrastructure

 

  • Deepening the channel to handle vessels up to 14 mtrs. draft.

 

  • Installation of Eight ELL cranes of 20/25 tons capacity.

 

  • Deep draft multi-purpose berths at Vadinar.

 

  • Commissioning of 13th cargo berth.

 

  • Development of container Terminal on BOT basis.

 

  • Privatization of various port services.

 

  • E-Customer relationship management.

 

  • Entering into long-term contracts with various exporters/importers who assure guaranteed traffic. To provide the required infrastructure and other handling facilities by the port and fix separate tariff of such long-term contracts.

 

  • Offering of the existing infrastructure facilities to various exporters/importers on BOT basis to enhance the traffic.

 

 

SHORT TERM STRATEGIES:

 

Under the present scenario, the short-term strategy by Kandla Port will be to retain the present cargoes and customers. The growth rate in the present cargoes and organizational growth of the present customers will translate into growth of the Port of Kandla, therefore, the short term relation is adopted by Kandla Port.

 

  • Lowest cost strategy.

 

  • Retention of cargo based on strength of the port.

 

  • Making the efforts to overcome the weakness and threats.

 

  • To adopt a pro-active marketing strategy.

 

  • Augmentation of the existing infrastructural port facilities.

 

  • The work relating to extension of customs bounded are for storage of bulk cargo by an area of 76.5 hectars is already under implementation and the total cost of this project is Rs. 150.000 Millions. After commissioning of the scheme there will be addition of 10 lakh tones storage capacity and this scheme is likely to be completed by the year 2002.

 

  • It is also planned to provide railway siding facilities in the area at the estimated cost of Rs. 100.000 Millions.

 

  • It is planned to undertake dredging to handle vessels upto 12 mtrs. draft and thereby increasing the parcel size of bulk cargo and bigger container vessels.

 

  • A 50 tons BP bugs being procured at a cost of Rs. 200.000 Millions for handling ULCCs at Vadinar.

 

  • 210 meter quay face barge handling facility at bunder basin would be constructed with open stacking area measuring 40000 sq. meters to store the additional cargo of 88000 tons. The estimated cost of the scheme is Rs 189.700 Millions and its likely to be completed by March 2003.

 

  • Conversion of Samakhiali - Palanpur railway track to broad guage to reduce the distance by 130 kms. from the hinterland, to be executed through SPV at the cost of Rs.3429.600 Millions. Kandla Port shall contribute Rs. 514.400 Millions to the SPV being 30% equity share holding of the 50% estimated cost of the project to be contributed by promoters.

 

  • Modernization and extension of railway network at a cost of Rs.20.000 Millions to enable faster movement of cargo from that port.

 

  • Four new godowns are being constructed at a cost of Rs. 60.000 Millions. The additional storage capacity of 85000 MT would become available. The new godowns are likely to be completed by March 2002.

 

  • The tenders for 11th cargo berth have been received for Rs. 360.000 Millions. Work order will be awarded to the lowest tenders NEC Limited Vishakhapatanam after receiving clearance from Ministry Of Environment And Forest.

 

  • The scheme relating to procurement of Eight ELL cranes of 16 MT capacity and 25 MT capacity is being implemented at the estimated cost of Rs. 700.000 Millions to be installed and commissioned by October 2004 to October 2005.

 


MEDIUM TERM STRATEGIES
:

 

  • Augmentation of infrastructure facilities for handling bulk, break-bulk, container and liquid cargo.

 

  • Commissioning of 12th cargo berth.

 

  • Deeping of the channel to handle vessels upto 13 mtrs draft.

 

  • Commissioning of two new godown with 4300 MT capacity.

 


 

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.62.44

UK Pound

1

Rs.98.15

Euro

1

Rs.77.38

 

 

INFORMATION DETAILS

 

Information Gathered by :

GYT

 

 

Analysis Done by :

DIV

 

 

Report Prepared by :

KVT


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

4

PAID-UP CAPITAL

1~10

6

OPERATING SCALE

1~10

6

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

6

--PROFITABILITY

1~10

6

--LIQUIDITY

1~10

5

--LEVERAGE

1~10

5

--RESERVES

1~10

7

--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

NO

--LISTED

YES/NO

NO

--OTHER MERIT FACTORS

YES/NO

YES

DEFAULTER

 

 

--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.