MIRA INFORM REPORT

Report Date :

19.12.2014

IDENTIFICATION DETAILS

Name :	ROTOMAC GLOBAL PRIVATE LIMITED (w.e.f. 15.07.2008)
Formerly Known As :	ROTOMAC PENS PRIVATE LIMITED
Registered Office :	201,City Centre, 63/2 The Mall, Kanpur-208004, Uttar Pradesh
Country :	India
Financials (as on) :	31.03.2014
Date of Incorporation :	03.08.1992
Com. Reg. No.:	20-014605
Capital Investment / Paid-up Capital :	Rs.200.000 Million
CIN No.: [Company Identification No.]	U51396UP1992PTC014605
IEC No.:	Not Available
TAN No.: [Tax Deduction & Collection Account No.]	KNPR00089F
PAN No.: [Permanent Account No.]	AABCR1441E
Legal Form :	Private Limited Liability Company.
Line of Business :	Manufacturer, Exporter and Importer of all types of plastics writing instruments.
No. of Employees :	60 (Approximately)

RATING & COMMENTS

MIRA’s Rating :

B (30)

RATING		STATUS	PROPOSED CREDIT LINE
26-40	B	Capability to overcome financial difficulties seems comparatively below average.	Small

Maximum Credit Limit :
Status :	Moderate
Payment Behaviour :	Slow but correct
Litigation :	Clear
Comments :	Subject is an established company having moderate track record. Profitability of the company seems to be low. However, trade relations are fair. Business is active. Payment terms are reported to be slow but correct. The company can be considered for business dealings 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 – September 30, 2014

Country Name	Previous Rating (30.06.2014)	Current Rating (30.09.2014)
India	A1	A1

Risk Category	ECGC Classification
Insignificant	A1
Low	A2
Moderate	B1
High	B2
Very High	C1
Restricted	C2
Off-credit	D

EXTERNAL AGENCY RATING

Rating Agency Name	CARE
Rating	Long term bank facilities = BB
Rating Explanation	Have moderate risk of default
Date	October 16, 2014

Rating Agency Name	CARE
Rating	Short term bank facilities = A4
Rating Explanation	Have Minimal degree of safety and carry very high credit risk
Date	October 16, 2014

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 PARTED BY (GENERAL DETAILS)

Name :	Ms. Akanksha
Designation :	Company Secretary
Contact No.:	91-512-3011000
Date :	16.12.2014

LOCATIONS

Registered Office :	201,City Centre, 63/2 The Mall, Kanpur-208004, Uttar Pradesh
Tel. No.:	91-512-2330142 / 3011000
Fax No.:	91-512-230151 / 3011099
E-Mail :	info@rotomac.net cfc@incsolutions.in rotomacglobal@gmail.com
Website :	www.rotomac.com
Factory :	Kanpur, Uttar Pradesh, India

DIRECTORS

As on 30.09.2014

Name :

Mr. Vikram Kothari

Designation :

Managing Director and Chairman

Address :

7/23, Tilak Nagar, Kanpur 208002, Uttar Pradesh, India

Date of Birth/Age :

12.10.1949

Qualification :

B. Com

Experience :

34 years

Date of Appointment :

03.08.1992

DIN No.:

00454708

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	Date of cessation	Company/ LLP Status	Defaulting status
1	U51396UP1992PTC014605	ROTOMAC GLOBAL PRIVATE LIMITED	Managing director	03/08/1992	03/08/1992	-	Active	NO
2	U67120UP1995PTC018111	RFL INFRASTRUCTURES PRIVATE LIMITED	Director	25/05/1995	25/05/1995	-	Active	NO
3	U36941UP1998PTC023820	ROTOMAC POLYMERS PRIVATE LIMITED	Director	02/09/1998	02/09/1998	-	Active	NO
4	U51497UP2002PTC026476	ROTOMAC EXPORTS PRIVATE LIMITED	Director	05/02/2002	05/02/2002	-	Active	NO
5	U67110UP1996PLC020321	MVR BUILDERS LIMITED	Director	02/05/2003	02/05/2003	24/07/2014	Active	NO
6	U36991UP2004PTC038128	CROWN ALBA WRITING INSTRUMENTS INDIA PRIVATE LIMITED	Director	01/02/2005	01/02/2005	-	Active	NO
7	L27107UP1971PLC003442	MOHAN STEELS LIMITED	Director	01/03/2005	01/03/2005	-	Active	NO
8	U45202UP2000PLC025343	DOLPHIN DEVELOPERS LIMITED	Director	24/07/2006	24/07/2006	24/07/2014	Active	NO
9	U70101UP2006PLC032329	DOLPHIN HIGHWAYS LIMITED	Director	06/09/2006	06/09/2006	24/07/2014	Active	NO
10	U45400UP2007PTC033591	DOLPHIN AASHIYANA PRIVATE LIMITED	Director	15/09/2008	17/11/2007	24/07/2014	Active	NO
11	U15139UP2007PTC033579	DOLPHIN SHELTER PRIVATE LIMITED	Director	14/07/2008	17/11/2007	24/07/2014	Active	NO
12	U45201UP2003PTC027758	VERTEX BUILDERS PRIVATE LIMITED	Director	22/09/2008	20/11/2007	-	Active	NO
13	U45400UP2007PTC033674	DOLPHIN INFRABUILD INDIA PRIVATE LIMITED	Director	30/09/2008	28/02/2008	14/07/2012	Active	NO
14	U45201WB2005PTC194728	MVR HOUSING PRIVATE LIMITED	Additional director	02/03/2008	02/03/2008	31/07/2008	Active	NO
15	U45201UP2004PLC029140	DOLPHIN STRUCTURES LIMITED	Additional director	13/05/2008	13/05/2008	23/08/2008	Active	NO
16	U45200UP2007PTC033578	DOLPHIN DWELLINGS PRIVATE LIMITED	Director	25/07/2008	27/06/2008	24/07/2014	Active	NO
17	U45400UP2007PTC033593	DOLPHIN VIHAR PRIVATE LIMITED	Director	23/09/2008	28/06/2008	-	Active	NO
18	U74900UP2008PTC036079	ROTOMAC EXIM PRIVATE LIMITED	Director	24/09/2008	24/09/2008	-	Active	NO
19	U51101UP2009PTC036913	SUNRISE GLOBAL PRIVATE LIMITED	Director	03/03/2009	03/03/2009	-	Active	NO
20	U45201MH2006PTC166071	AARADHAK DEVELOPERS PRIVATE LIMITED	Director	23/05/2009	23/05/2009	13/06/2014	Active	NO
21	U45400UP2007PTC033582	DOLPHIN (ANAND) DEVELOPER PRIVATE LIMITED	Director	14/09/2009	10/08/2009	-	Active	NO
22	U65921UP1985PLC007512	SRGP CORPORATION LIMITED	Director	02/07/2010	02/07/2010	25/08/2014	Active	NO
23	U45400UP2008PTC034572	AISHWARYA INFRABUILD INDIA PRIVATE LIMITED	Director	22/11/2010	22/11/2010	24/07/2014	Active	NO
24	U45400UP2008PTC034569	AISHWARYA STRUCTURES PRIVATE LIMITED	Director	22/11/2010	22/11/2010	24/07/2014	Active	NO
25	U70101UP1998PTC023812	SOCIETY CONSTRUCTION COMPANY PRIVATE LIMITED	Director	22/11/2010	22/11/2010	24/07/2014	Active	NO
26	U45400UP2008PTC034568	AISHWARYA TOWN PROJECT PRIVATE LIMITED	Director	23/11/2010	23/11/2010	24/07/2014	Active	NO
27	U45400UP2007PTC033592	DOLPHIN AWAS PRIVATE LIMITED	Director	23/11/2010	23/11/2010	24/07/2014	Active	NO
28	U45400UP2007PTC034183	ANANDESHWAR RESIDENCY PRIVATE LIMITED	Director	23/11/2010	23/11/2010	24/07/2014	Active	NO
29	U45400UP2007PTC034182	ANANDESHWAR AASHIYANA PRIVATE LIMITED	Director	23/11/2010	23/11/2010	24/07/2014	Active	NO
30	U45400UP2007PTC034168	ANANDESHWAR AWAS PRIVATE LIMITED	Director	24/11/2010	24/11/2010	-	Active	NO
31	U45400UP2008PTC034571	Aishwarya City Planner Private Limited	Director	24/11/2010	24/11/2010	-	Active	NO
32	U45201UP2005PTC029579	MVR COLONISERS PRIVATE LIMITED	Director	24/11/2010	24/11/2010	24/07/2014	Active	NO
33	U70102UP2010PTC042212	DOLPHIN BUILD HOMES PRIVATE LIMITED	Director	24/11/2010	24/11/2010	24/07/2014	Active	NO
34	U45400UP2007PTC034184	ANANDESHWAR REAL ESTATE & DEVELOPERS PRIVATE LIMITED	Director	24/11/2010	24/11/2010	24/07/2014	Active	NO
35	U70102UP2010PTC041142	ANANDESHWAR INFRA PROMOTER PRIVATE LIMITED	Director	25/11/2010	25/11/2010	24/07/2014	Active	NO
36	U70102UP2010PTC042216	DOLPHIN INFRA VENTURE PRIVATE LIMITED	Director	25/11/2010	25/11/2010	24/07/2014	Active	NO
37	U70102UP2010PTC042205	ANANDESHWAR GRAH NIWAS PRIVATE LIMITED	Director	25/11/2010	25/11/2010	24/07/2014	Active	NO
38	U70102UP2010PTC042207	ANANDESHWAR DWELLINGS PRIVATE LIMITED	Director	25/11/2010	25/11/2010	24/07/2014	Active	NO
39	U70102UP2010PTC042204	AISHWARYA DWELLINGS PRIVATE LIMITED	Director	25/11/2010	25/11/2010	24/07/2014	Active	NO
40	U70102UP2010PTC042206	ANANDESHWAR BUILD HOMES PRIVATE LIMITED	Director	26/11/2010	26/11/2010	24/07/2014	Active	NO
41	U70102UP2010PTC042211	ANANDESHWAR INFRA ESTATE PRIVATE LIMITED	Director	26/11/2010	26/11/2010	24/07/2014	Active	NO
42	U45400UP2007PTC034167	ANANDESHWAR NIRMAN PRIVATE LIMITED	Director	24/01/2011	24/01/2011	-	Active	NO
43	U70102UP2010PTC041500	ANANDESHWAR CITY PLANNER PRIVATE LIMITED	Director	24/01/2011	24/01/2011	24/07/2014	Active	NO
44	U67120UP1995PLC018470	DOLPHIN INFRA PROJECT LIMITED	Director	24/01/2011	24/01/2011	24/07/2014	Active	NO
45	U45400UP2008PTC034570	AISHWARYA AWAS PRIVATE LIMITED	Director	24/01/2011	24/01/2011	24/07/2014	Active	NO
46	U70102UP2010PTC041501	ANANDESHWAR DREAM HOMES PRIVATE LIMITED	Director	25/01/2011	25/01/2011	24/07/2014	Active	NO
47	U70102UP2010PTC041496	ANANDESHWAR VILLAS PRIVATE LIMITED	Director	25/01/2011	25/01/2011	24/07/2014	Active	NO
48	U70102UP2010PTC041502	DOLPHIN HITECH CITY PLANNER PRIVATE LIMITED	Director	25/01/2011	25/01/2011	24/07/2014	Active	NO
49	U70102UP2010PTC041503	DOLPHIN TOWNSHIP PRIVATE LIMITED	Director	25/01/2011	25/01/2011	24/07/2014	Active	NO
50	U27202GJ2011PTC065740	WEST COAST EXTRUSION PRIVATE LIMITED	Director	30/09/2011	30/09/2011	-	Active	NO
51	U70102UP2007PTC033054	RAVE REAL ESTATE PRIVATE LIMITED	Director	26/09/2012	12/05/2012	-	Active	NO
52	U92199UP2004PTC029300	RAVE MOTI ENTERTAINMENT PRIVATE LIMITED	Director	29/09/2012	12/05/2012	-	Active	NO
53	U45201UP2006PTC031577	VERTEX COLONISERS PRIVATE LIMITED	Director	26/09/2012	18/08/2012	24/07/2014	Active	NO
54	U91110UP1932NPL000467	MERCHANT CHAMBER OF UTTAR PRADESH	Director	25/09/2013	25/09/2013	-	Active	NO
55	U15400UP2014PTC062949	KOTHARI FOODS AND FRAGRANCES PRIVATE LIMITED	Director	25/02/2014	25/02/2014	-	Active	NO

Name :

Mrs. Sadhna Kothari

Designation :

Director

Address :

7/23, Tilak Nagar, Kanpur 208002, Uttar Pradesh, India

Date of Birth/Age :

10.10.1952

Date of Appointment :

19.07.1999

DIN No.:

00185743

Name :

Mr. Rahul Kothari

Designation :

Director

Address :

7/23, Tilak Nagar, Kanpur 208002, Uttar Pradesh, India

Date of Birth/Age :

29.11.1986

Date of Appointment :

16.08.2014

DIN No.:

00454777

KEY EXECUTIVES

Name :	Ms. Akanksha Gupta
Designation :	Company Secretary
Address :	24/24, Birhana Road, Kanpur – 208001, Uttar Pradesh, India
Date of Birth/Age :	21.04.1984
Date of Appointment :	02.01.2012
PAN No.:	AOIPG5724R

MAJOR SHAREHOLDERS

As on 30.09.2014

Names of Shareholders	No. of Shares	Percentage of Holding
Vikarm Kothari	16624500	83.12
Sadhna Kothari	1800000	9.00
Rahul Kothari	1575500	7.88
Total	20000000	100.00

As on 30.09.2014

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 :	Manufacturer, Exporter and Importer of all types of plastics writing instruments.
Products :	Ball Pens Gel Pens Retractable Ball Pens Roller Pens Markers Metal Pens Special Pens Mechanical Pencils
Brand Names :	Not Available
Agencies Held :	Not Available
Exports :
Products :	Finished Goods
Countries :	Germany
Imports :
Products :	Raw Material
Countries :	Germany
Terms :
Selling :	Cash and Credit
Purchasing :	Cash and Credit

PRODUCTION STATUS = NOT AVAILABLE

GENERAL INFORMATION

Suppliers :

Reference :	Not Divulged
Name of the Person :	Not Divulged
Contact No.:	Not Divulged
Since How Long Known :	Not Divulged
Experience :	Not Divulged
Maximum Limit Dealt :	Not Divulged

Customers :

Reference :	Not Divulged
Name of the Person :	Not Divulged
Contact No.:	Not Divulged
Since How Long Known :	Not Divulged
Experience :	Not Divulged
Maximum Limit Dealt :	Not Divulged

No. of Employees :

60 (Approximately)

Bankers :

• Punjab National Bank, The Mall, Kanpur – 208001, Uttar Pradesh, India
• Yes Bank Limited, 9th Floor, Nehru Centre, Discovery of India, Dr. Annie Besant Road, Worli, Mumbai - 400018, Maharashtra, India
• State Bank of India, SME CCC Division, Zonal Office, The Mall, Kanpur-208001, Uttar Pradesh, India
• Union Bank Of India, Main Branch, Birhana Road, Kanpur - 208001, Uttar Pradesh, India
• Bank Of Baroda, International Business Branch, 17/14, The Mall,, Kanpur - 208001, Uttar Pradesh, India
• Oriental Bank Of Commerce, Mall Road, Kanpur - 208004, Uttar Pradesh, India
• Bank Of India, Mid Corporate Branch, Thapar House, Birhana Road, Kanpur - 208001, Uttar Pradesh, India
• Bank Of Maharashtra, 17/3 B- Meghdoot Building, Mall Road, Kanpur - 208001, Uttar Pradesh, India

Facilities :

SECURED LOANS	31.03.2014 (Rs. in Millions)	31.03.2013 (Rs. in Millions)
LONG TERM BORROWINGS
Rupee term loans from banks	57.211	74.434
SHORT TERM BORROWINGS
Loans repayable on demand from banks	5106.504	4947.406
Total	5163.715	5021.840

Auditors :
Name :	Sudhindra Jain and Company Chartered Accountants
Address :	113/7-A, Swaroop Nagar, Indrajeet Jain Marg, Kanpur-208002, Uttar Pradesh, India
PAN No.:	AACFS7403B
Cost Auditors :	R. M. Bansal and Company Cost Accountants
Memberships :	---
Collaborators :	---
Enterprises which are owned, or have significant influence of or are partners with Key management personnel and their relatives:	Archana Constructions, India Crown Alba Writing Instruments India Private Limited, India Dolphin Developers Limited, India Kothari Foods And Fragrances Private Limited, India Rfl Infrastructures Private Limited, India Rave Real Estate Private Limited, India Realty Rotomac, India Rotomac Exim Private Limited, India Rotomac Exports Private Limited, India Rotomac Global Pte. Limited, Singapore Rotomac Polymers Private Limited, India Sunrise Global Private Limited, India Vertex Builders Private Limited, India West Coast Extrusion Private Limited, India

CAPITAL STRUCTURE

As on 31.03.2014

Authorised Capital :

No. of Shares	Type	Value	Amount
50000000	Equity Shares	Rs.10/-each	Rs.500.000 Million

Issued, Subscribed & Paid-up Capital :

No. of Shares	Type	Value	Amount
20000000	Equity Shares	Rs.10/-each	Rs.200.000 Million

FINANCIAL DATA

[All figures are in Rupees Millions]

ABRIDGED BALANCE SHEET

SOURCES OF FUNDS	31.03.2014	31.03.2013	31.03.2012
I.              EQUITY AND LIABILITIES
(1)Shareholders' Funds
(a) Share Capital	200.000	200.000	49.000
(b) Reserves & Surplus	1985.039	1663.781	1058.512
(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)	2185.039	1863.781	1107.512
(3) Non-Current Liabilities
(a) long-term borrowings	304.814	271.512	306.163
(b) Deferred tax liabilities (Net)	57.253	46.808	39.683
(c) Other long term liabilities	0.000	0.000	0.000
(d) long-term provisions	0.000	0.000	0.000
Total Non-current Liabilities (3)	362.067	318.320	345.846
(4) Current Liabilities
(a) Short term borrowings	6459.868	4947.406	6771.947
(b) Trade payables	42357.534	51795.285	38552.065
(c) Other current liabilities	2717.241	2485.430	2764.524
(d) Short-term provisions	35.167	26.565	30.086
Total Current Liabilities (4)	51569.810	59254.686	48118.622
TOTAL	54116.916	61436.787	49571.980
II.          ASSETS
(1) Non-current assets
(a) Fixed Assets
(i) Tangible assets	889.234	843.887	776.547
(ii) Intangible Assets	0.000	0.000	0.000
(iii) Capital work-in-progress	0.000	0.000	0.000
(iv) Intangible assets under development	0.000	0.000	0.000
(b) Non-current Investments	127.318	125.660	125.660
(c) Deferred tax assets (net)	0.000	0.000	0.000
(d) Long-term Loan and Advances	5.620	4.378	4.619
(e) Other Non-current assets	0.000	0.000	0.000
Total Non-Current Assets	1022.172	973.925	906.826
(2) Current assets
(a) Current investments	6.963	12.352	12.682
(b) Inventories	465.054	1016.358	340.041
(c) Trade receivables	24159.599	11709.692	10165.156
(d) Cash and cash equivalents	25035.508	45098.799	35002.545
(e) Short-term loans and advances	3377.599	2607.094	3143.366
(f) Other current assets	50.021	18.567	1.364
Total Current Assets	53094.744	60462.862	48665.154
TOTAL	54116.916	61436.787	49571.980

PROFIT & LOSS ACCOUNT

	PARTICULARS	31.03.2014	31.03.2013	31.03.2012
	SALES
	Income	115970.900	113059.700	91128.700
	Other Income	NA	NA	NA
	TOTAL	NA	NA	NA
Less	EXPENSES	NA	NA	NA
Less	PROFIT/ (LOSS) BEFORE INTEREST, TAX, DEPRECIATION AND AMORTISATION	1813.000	1626.700	1100.100
Less	FINANCIAL EXPENSES	1025.300	671.200	525.000
	PROFIT / (LOSS) BEFORE TAX, DEPRECIATION AND AMORTISATION	787.700	955.500	575.100
Less/ Add	DEPRECIATION/ AMORTISATION	51.500	43.900	34.300
	PROFIT/ (LOSS) BEFORE TAX	736.200	911.600	540.800
Less	TAX	260.600	302.100	173.300
	PROFIT/ (LOSS) AFTER TAX	475.600	609.500	367.500
Add	PREVIOUS YEARS’ BALANCE BROUGHT FORWARD	1502.100	896.800	530.100
	EARNINGS IN FOREIGN CURRENCY
	F.O.B. Value of Exports	109962.600	109962.600	78434.400
	TOTAL EARNINGS	109962.600	109962.600	78434.400
	Earnings / (Loss) Per Share (Rs.)	23.78	30.48	18.38

KEY RATIOS

PARTICULARS		31.03.2014	31.03.2013	31.03.2012
Net Profit Margin PAT / Sales	(%)	0.41	0.53	0.40
Operating Profit Margin (PBDIT/Sales)	(%)	1.56	1.43	1.20
Return on Total Assets (PBT/Total Assets}	(%)	1.36	1.49	1.09
Return on Investment (ROI) (PBT/Networth)		0.34	0.49	0.49
Debt Equity Ratio (Total Liability/Networth)		3.10	2.80	6.39
Current Ratio (Current Asset/Current Liability)		1.03	1.02	1.01

FINANCIAL ANALYSIS

[all figures are in Rupees Millions]

DEBT EQUITY RATIO

Particular	31.03.2012	31.03.2013	31.03.2014
	(Rs. In Millions)	(Rs. In Millions)	(Rs. In Millions)
Share Capital	49.000	200.000	200.000
Reserves & Surplus	1058.512	1663.781	1985.039
Net worth	1107.512	1863.781	2185.039
long-term borrowings	306.163	271.512	304.814
Short term borrowings	6771.947	4947.406	6459.869
Total borrowings	7078.110	5218.918	6764.683
Debt/Equity ratio	6.391	2.800	3.096

YEAR-ON-YEAR GROWTH

Year on Year Growth	31.03.2012	31.03.2013	31.03.2014
	(Rs. In Millions)	(Rs. In Millions)	(Rs. In Millions)
Sales	91128.700	113059.700	115970.900
		24.066	2.575

NET PROFIT MARGIN

Net Profit Margin	31.03.2012	31.03.2013	31.03.2014
	(Rs. In Millions)	(Rs. In Millions)	(Rs. In Millions)
Sales	91128.700	113059.700	115970.900
Profit	367.500	609.500	475.600
	0.40%	0.54%	0.41%

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	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

INDEX OF CHARGES

S. No.	Charge ID	Date of Charge Creation/Modification	Charge amount secured	Charge Holder	Address	Service Request Number (SRN)
1	10490773	03/04/2014	500,000,000.00	CORPORATION BANK	MALL ROAD BRANCH, KANPUR, Uttar Pradesh - 208001, INDIA	C03938065
2	10501569	28/03/2014	1,500,000,000.00	ALLAHABAD BANK	15/287, M.G. ROAD, KANPUR, Uttar Pradesh - 208001 , INDIA	C05942990
3	10484282	06/03/2014	12,400,000.00	PUNJAB NATIONAL BANK	MALL ROAD, KANPUR, Uttar Pradesh - 208001, INDIA	C00245969
4	10466683	16/11/2013	4,680,000,000.00	BANK OF INDIA	MID CORPORATE BRANCH, THAPAR HOUSE, BIRHANA ROAD, KANPUR, Uttar Pradesh - 208001, INDIA	B92163781
5	10461814	14/03/2014 *	4,500,000,000.00	UNION BANK OF INDIA	MAIN BRANCH,, BIRHANA ROAD, KANPUR, Uttar Pradesh - 208001, INDIA	C01119619
6	10479508	18/02/2014 *	1,300,000,000.00	ORIENTAL BANK OF COMMERCE	MALL ROAD, KANPUR, Uttar Pradesh - 208004, INDIA	B98427768
7	10445924	13/08/2013	4,000,000.00	State Bank of India	SMECCC Division,, Zonal Office, The Mall,, Kanpur  , Uttar Pradesh - 208001, INDIA	B83503185
8	10432214	19/05/2014 *	1,510,000,000.00	BANK OF MAHARASHTRA	17/3 B-MEGHDOOT BUILDING, MALL ROAD, KANPUR, Uttar Pradesh - 208001, INDIA	C18792812
9	10420863	11/04/2013	1,100,000,000.00	UNION BANK OF INDIA	MAIN BRANCH, BIRHANA ROAD, KANPUR, Uttar Pradesh  - 208001, INDIA	B73486854
10	10422682	05/04/2013	9,500,000.00	PUNJAB NATIONAL BANK	MALL ROAD, KANPUR, Uttar Pradesh - 208001, INDIA	B74016015

UNSECURED LOANS

PARTICULAR	31.03.2014 (Rs. in Millions)	31.03.2013 (Rs. in Millions)
LONG TERM BORROWINGS
Other Loans and Advances	149.500	24.500
Loans and Advances from related Parties	0.000	172.578
Loans and Advances from Directors	98.102	0.000
SHORT TERM BORROWINGS
Loans and advances from related parties	1353.364	0.000
Total	1600.966	197.078

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.63.31
UK Pound	1	Rs.98.67
Euro	1	Rs.78.10

INFORMATION DETAILS

Information Gathered by :	DIP
Analysis Done by :	RAS
Report Prepared by :	PNM

SCORE & RATING EXPLANATIONS

SCORE FACTORS	RANGE	POINTS
HISTORY	1~10	4
PAID-UP CAPITAL	1~10	3
OPERATING SCALE	1~10	4
FINANCIAL CONDITION
--BUSINESS SCALE	1~10	4
--PROFITABILITY	1~10	2
--LIQUIDITY	1~10	3
--LEVERAGE	1~10	3
--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	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		30

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.