1. Summary Information

 

 

Country

India

Company Name

BADVE ENGINEERING LIMITED

Principal Name 1

Mr. Shrikant Shankar Badve

Status

Good

Principal Name 2

Mr. Ashok Vishnu Tagare

 

 

Registration #

11-102827

Street Address

Plot No D-39 MIDC Area, Waluj, Aurangabad - 431133, Maharashtra

Established Date

25.09.1996

SIC Code

--

Telephone#

91-240-2555186

Business Style 1

Manufacture

Fax #

91-240-2555337

Business Style 2

--

Homepage

http://badvegroup.com

Product Name 1

Bracket and clutch Plate

# of employees

Not Available

Product Name 2

Refrigerator

Paid up capital

Rs.3,142,000/-

Product Name 3

Washing Machine

Shareholders

Bodies corporate – 9.44%

Directors or relatives of directors – 90.41%

Other – 0.15%

Banking

The Saraswat Co-op. Bank Limited

Public Limited Corp.

--

Business Period

18 Years

IPO

--

International Ins.

-

Public Enterprise

--

Rating

Ba (52)

Related Company

Relation

Country

Company Name

CEO

Subsidiary

India

Badve Helmet India Private Limited

--

Note

-

 

2. Summary Financial Statement

Balance Sheet as of

31.03.2013

(Unit: Indian Rs.)

Assets

Liabilities

Current Assets

2,330,834,000

Current Liabilities

760,078,000

Inventories

634,828,000

Long-term Liabilities

4,486,610,000

Fixed Assets

5,083,286,000

Other Liabilities

867,607,000

Deferred Assets

0,000

Total Liabilities

6,114,295,000

Invest& other Assets

312,275,000

Retained Earnings

2,243,786,000

 

 

Net Worth

2,246,928,000

Total Assets

8,361,223,000

Total Liab. & Equity

8,361,223,000

 Total Assets

(Previous Year)

5,837,656,000

 

 

P/L Statement as of

31.03.2013

(Unit: Indian Rs.)

Sales

10,141,484,000

Net Profit

613,293,000

Sales(Previous yr)

8,570,976,000

Net Profit(Prev.yr)

520,774,000

MIRA INFORM REPORT

 

 

Report Date :

08.02.2014

 

IDENTIFICATION DETAILS

 

Name :

BADVE ENGINEERING LIMITED (w.e.f.07.01.2008)

 

 

Formerly Known As :

BADVE ENGINEERING PRIVATE LIMITED

 

 

Registered Office :

Plot No. D-39, MIDC Area, Waluj, Aurangabad - 431133, Maharashtra

 

 

Country :

India

 

 

Financials (as on) :

31.03.2013

 

 

Date of Incorporation :

25.09.1996

 

 

Com. Reg. No.:

11-102827

 

 

Capital Investment / Paid-up Capital :

Rs.3.142 Millions

 

 

CIN No.:

[Company Identification No.]

U73100MH1996PLC102827

 

 

IEC No.:

0300035918

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

NSKB01165D

 

 

PAN No.:

[Permanent Account No.]

AAACB9378F

 

 

Legal Form :

A Closely Held Public Limited Liability Company

 

 

Line of Business :

Manufacturer of Bracket and clutch Plate for trucks and Press parts for Refrigerator, Washing Machine, Television etc.

 

 

No. of Employees :

Not Available

 

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba (52)

 

RATING

STATUS

 

PROPOSED CREDIT LINE

41-55

Ba

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

Satisfactory

 

 

Maximum Credit Limit :

USD 8988000

 

 

Status :

Good

 

 

Payment Behaviour :

Regular

 

 

Litigation :

Clear

 

 

Comments :

Subject is a flagship company of Badve Group. It is a well-established company having fine track record.

 

Financial position of the company appears to be sound. Directors are reported to be experienced and respectable businessman.

 

Trade relations are reported to be fair. Business is active. Payment terms are reported to be regular and as per commitments.

 

The company can be considered good for normal business dealings at usual trade terms and conditions.

 

 

NOTES:

Any query related to this report can be made on e-mail : infodept@mirainform.com while quoting report number, name and date.

 

 

 

 

 

ECGC Country Risk Classification List – December 1, 2013

 

Country Name

Previous Rating

(30.09.2013)

Current Rating

(01.12.2013)

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

 

The services sector, the largest contributor to India’s GDP, contracted for the sixth consecutive month in December, as orders dipped. However, hiring has risen.  Direct tax collections rose 12.3 % during the April – December period of the current financial year.  The government has decided to retain 100 per cent foreign direct investment in both greenfield (new) and brown field (existing) pharmaceutical companies, despite concerns over genetic drugs going out of production, if multi-national companies take over domestic ones. In M&A deals, a non compete clause would not be allowed, except in special circumstances. The Department of Industrial Policy and Promotion plans to release the next edition of its consolidated foreign direct investment policy document on March 31, incorporating changes made in the past year. DIPP compiles all policies related to India’s FDI regime into a single document to make it easy for investors to understand. 185 million estimated number of mobile internet users in India by June 2014, according to a report by the Internet & Mobile Association of India and IMRB International.  India had 110 million mobile internet users with 25 million in rural areas. $3.77 tn estimated global IT spending in 2014, according to research firm Gartner Inc. The growth forecast for this year is cut to 3.1 %from the earlier estimate of 3.5 %. The spending growth forecast for telecom services – a segment that accounts for more than 40 % at total IT spending – from 1.9 per cent to 1.2 per cent is the main reason for this overall IT cut. A Reserve Bank of India committee has recommended setting up a special category of lenders who would cater to small businesses and households, to expand the number of customers with access to banking services. These banks would focus onproviding payment services and deposit products.  Indian banks want the free use of automated teller machines to be capped at five transactions in a month including that of the bank in which the account is active. This follows state government order to banks to install security guards at ATM booths after a woman banker was assaulted in Bangalore. The government is likely to present a vote on Account in mid-February. The annual Economic Survey will be tabled later in Parliament along with the full Budget. A full Budget for 2014/15 is likely to be present in July by the new government formed after the General Election. The government will soon launch an internet spy system, called Netra, to detect malafide messages. Security agency will deploy the system to capture dubious voice traffic on applications such as Skype and Google Talk, as well as tweeters.

 

 

EXTERNAL AGENCY RATING

 

Rating Agency Name

CARE

Rating

Bank facilities : Fund based long term : A-

Rating Explanation

Adequate degree of and low credit risk. 

Date

December 04, 2013

 

 

Rating Agency Name

CARE

Rating

Bank facilities : Non-fund based short term : A2+

Rating Explanation

Strong degree of safety and low credit risk.

Date

December 04, 2013

 

 

RBI DEFAULTERS’ LIST STATUS

 

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

 

EPF (Employee Provident Fund) DEFAULTERS’ LIST STATUS

 

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

 

LOCATIONS

 

Registered Office/ Factory :

Plot No. D-39, MIDC Area, Waluj, Aurangabad - 431133, Maharashtra, India

Tel. No.:

91-240-2555186

Fax No.:

91-240-2555337

E-Mail :

badva_agd@sancharnet.in

corporate_mktg@badvegroup.com

Badeva­­_agd@sancharnet.in

Website :

http://www.badvegroup.com

 

 

Other Factories :

Located at:

 

v      Gut No. 15, Naigavan, Khandewadi, Tq. Paithan, Aurangabad - 431105, Maharashtra, India

 

v      Gut No. 63-64, Near Green Gold Seeds, Narayanpur, Aurangabad – 431133, Maharashtra, India

 

v      B-32, 1/5, MIDC Industrial Area, Waluj, Aurangabad, Maharashtra, India

 

v      Plot No. B-5 & B-6, Industrial Area, Waluj, Aurangabad - 431136, Maharashtra, India

 

v      Plot No.A-23/1, Chakan Industrial Area, Phase - II, Village Khalumbre, Tq.Khed, District Pune, Maharashtra, India

 

v      Plot No. C-11/A, MIDC Area, Ranjangaon - 412209, Maharashtra, India

 

v      Plot No. 9, Floriculture Park, Talegaon – Dabhade, Taluka Maval, Pune, Maharashtra, India

 

v      Plot No. SPL-6, Tapukara Industrial Area, Tq. Tizara, District Alwar - 301707, Rajasthan, India

 

v      Plot No.15, Sector - 10, IIE- Sidcul, Pantnagar, Rudrapur – 263153, Uttrakhand, India

 

v      Tata Vendor Park, Plot No.52, Sector - 11, IIE SIDCUL, Uttrakhand,
India

 

v      Plot No.207 to 210 & 211P, 234P, 235, 238, Narasapura Industrial Area, District Kolar – 563133, Bangalore, Karnataka, India

 

v      C/o. Komal Plast Tech. Plot No 163/A, Belur Industrial Area, Dharwad - 580011, Karnataka, India

 

v      B-4/18, SIDCO Industrial Estate, Maraimalainagar, Kanchipuram, Tamilnadu, India

 

 

DIRECTORS

 

AS ON 27.09.2013

 

Name :

Mr. Shrikant Shankar Badve

Designation :

Managing director

Address :

Flat No.6, Shubhkamana Apartment, Dashmesh Nagar, Aurangabad-400005, Maharashtra, India

Date of Birth/Age :

10.10.1965

Qualification :

B.E

Date of Appointment :

01.09.2000

PAN No.:

ABOPB6940M

DIN No.:

00295505

 

 

Name :

Mr. Shankar Prabhakar Badve

Designation :

Director

Address :

Shri Malvika Co-op Housing Society, 53, Erandwana, Pune - 411004, Maharashtra, India

Date of Birth/Age :

14.11.1938

Qualification :

B.E

Date of Appointment :

05.03.2012

DIN No.:

00247931

 

 

Name :

Mr. Govindswami Sambandha Moorthy

Designation :

Director

Address :

Bunglow No 3 A, Tapdiya Estate, Near A S Club, Nagar Highway, Aurangabad - 400005, Maharashtra, India

Date of Birth/Age :

15.02.1938

Qualification :

B.E

Date of Appointment :

15.03.2005

DIN No.:

00295625

 

 

Name :

Mrs. Supriya Shrikant Badve

Designation :

Director

Address :

Flat No.6, Shubhkamana Apartment, Dashmesh Nagar, Aurangabad - 400005, Maharashtra, India

Date of Birth/Age :

10.07.1969

Qualification :

M.S.C

Date of Appointment :

14.07.2008

PAN No.:

AICPB9394G

DIN No.:

00366164

 

 

Name :

Mr. Ashok Vishnu Tagare

Designation :

Director

Address :

12, Arihant, Shree Lane No. 7, Dahanukar Colony, Pune-411038, Maharashtra, India

Date of Birth/Age :

26.05.1945

Qualification :

B.E

Date of Appointment :

01.03.2002

DIN No.:

00370768

 

 

Name :

Saligrama Narayana Prasad

Designation :

Director

Address :

F-201, Adarsh Gardens, 47th Cross, Jayanagar, 8th Block, Bangalore, Karnataka, India

Date of Birth/Age :

01.08.1943

Qualification :

B.E

Date of Appointment :

27.09.2013

DIN No.:

06467148

 

 

KEY EXECUTIVES

 

Name :

Mr. Rahul Ganu

Designation :

Finance Manager

 

 

MAJOR SHAREHOLDERS

 

AS ON 27.09.2013

 

Names of Shareholders

 

No. of Shares

 

Badve Autocomps Private Limited, India

 

540

Creative Tools & Press Components Private Limited, India

 

190

Sumedh Shrikant Badve

 

140

Swastid Shrikant Badve

 

140

Rajiv Vasant Savarkar

 

850

Sanjay Shankar Badve

 

20

Shankar Prabhakar Badve

 

10250

Shankar Prabhakar Badve (HUF)

 

10

Shrikant Shankar Badve

 

234105

Shrikant Shankar Badve (HUF)

 

5730

Vasant Ramkrishna Savarkar

 

14110

Kumud Shankar Badve

 

4745

Supriya Shrikant Badve

 

14440

Yogita Sanjay Badve

 

10

Sumedh Tools Private Limited, India

 

28940

 

 

 

Total

 

314220

 

 

AS ON 27.09.2013

 

Equity Share Breakup

Percentage of Holding

Category

 

Bodies corporate

9.44

Directors or relatives of directors

90.41

Others

0.15

 

 

Total

 

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Manufacturer of Bracket and clutch Plate for trucks and Press parts for Refrigerator, Washing Machine, Television etc.

 

 

Products/ Services :

ITC Code No.

 

Product Descriptions

73261100

Automobile Product

 

 

GENERAL INFORMATION

 

No. of Employees :

Information declined by the management 

 

 

Bankers :

v      The Saraswat Co-operative Bank Limited, Rasec, Kanchan Chambers, Kranti Chowk, Station Road, Aurangabad - 431005, Maharashtra, India

 

v      IDBI Bank Limited, IDBI Tower, WTC Complex, Cuffe Parade, Mumbai - 400005, Maharashtra, India

 

v      The Saraswat Co-operative Bank Limited, Plot No. X-23, MIDC Waluj, Aurangabad - 431133, Maharashtra, India

 

v      Union Bank of India Industrial Finance Branch, 619, Sachapir Street, Camp, Pune - 411001, Maharashtra, India

 

v      The Cosmos Co-Operative Bank Limited (Chinchwad Branch) 269/270, Shaniwar Peth, Pune - 411030, Maharashtra, India

 

v      ICICI Bank Limited, ICICI Tower, NBCC Place, Bhisham Pitamah Marg, Pragati Vihar, New Delhi - 110003, India

 

v      Axis Bank Limited, Corporate Banking Branch, 214-215, City Mall, Near Pune University, Ganeshkhind Road, Pune - 411007, Maharashtra, India

 

v      Kotak Mahindra Bank Limited, 36-38A, Nariman Bhavan, 227,D, Nariman Point, Mumbai - 400021, Maharashtra, India

 

v      HDFC Bank Limited

 

 

Facilities :

 

SECURED LOANS

31.03.2013

(Rs. In Millions)

LONG-TERM BORROWINGS

 

Rupee term loans from banks

3121.841

Other loans and advances

[The Saraswat Co-operative Bank Limited Vehicle Loans: Secured by way of Hypothecation of Vehicles, which are purchased out of such loans.]

7.208

SHORT TERM BORROWINGS

 

Loans repayable on demand

941.127

 

 

Total

4070.176

 

SECURED LOANS

31.03.2012

(Rs. In Millions)

Term Loans From Banks

1938.124

Working Capital Loans From banks

882.291

 

 

Total

2820.415

 

 

 

Banking Relations :

--

 

 

Financial Institution :

Rajasthan State Industrial Development and Investment Corporation Limited, Udyog Bhavan, Tilak Marg, Jaipur - 302005, Rajasthan, India

 

 

Auditors :

 

Name :

Ashok Patil and Associates

Chartered Accountants

Address :

AP Heights, Behind Gopal Cultural Hall, Osmanpura, Aurangabad – 431005, Maharashtra, India

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

ABFPP1555R

 

 

Associate Companies :

v                  Badve Autocomps Private Limited

v                  Creative Tools and Press Components Private Limited

v                  Sumedh Tools Private Limited

 

 

Other Related Party :

Badve Helmets India Private Limited [U74999MH2006PTC166603]

 

 

Joint Venture :

Badve-Cellino Engineering Private Limited [U28110PN2012PTC141935]

 

 

CAPITAL STRUCTURE

 

AS ON 31.03.2013

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

11,500,000

Equity Shares

Rs. 10/- each

Rs. 115.000 Millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

314,220

Equity Shares

Rs. 10/- each

Rs. 3.142 Millions

 

 

 

 

 


 

FINANCIAL DATA

[all figures are in Rupees Millions]

 

ABRIDGED BALANCE SHEET

 

SOURCES OF FUNDS

 

 

 

31.03.2013

I.        EQUITY AND LIABILITIES

 

 

 

(1)Shareholders' Funds

 

 

 

(a) Share Capital

 

 

3.142

(b) Reserves & Surplus

 

 

2243.786

(c) Money received against share warrants

 

 

0.000

 

 

 

 

(2) Share Application money pending allotment

 

 

0.000

Total Shareholders’ Funds (1) + (2)

 

 

2246.928

 

 

 

 

(3) Non-Current Liabilities

 

 

 

(a) long-term borrowings

 

 

3545.483

(b) Deferred tax liabilities (Net)

 

 

115.264

(c) Other long term liabilities

 

 

383.853

(d) long-term provisions

 

 

0.000

Total Non-current Liabilities (3)

 

 

4044.600

 

 

 

 

(4) Current Liabilities

 

 

 

(a) Short term borrowings

 

 

941.127

(b) Trade payables

 

 

574.061

(c) Other current liabilities

 

 

368.490

(d) Short-term provisions

 

 

186.017

Total Current Liabilities (4)

 

 

2069.695

 

 

 

 

TOTAL

 

 

8361.223

 

 

 

 

II.    ASSETS

 

 

 

(1) Non-current assets

 

 

 

(a) Fixed Assets

 

 

 

(i) Tangible assets

 

 

2663.069

(ii) Intangible Assets

 

 

0.137

(iii) Capital work-in-progress

 

 

2420.080

(iv) Intangible assets under development

 

 

0.000

(b) Non-current Investments

 

 

312.275

(c) Deferred tax assets (net)

 

 

0.000

(d)  Long-term Loan and Advances

 

 

313.104

(e) Other Non-current assets

 

 

0.590

Total Non-Current Assets

 

 

5709.255

 

 

 

 

(2) Current assets

 

 

 

(a) Current investments

 

 

0.000

(b) Inventories

 

 

634.828

(c) Trade receivables

 

 

1237.256

(d) Cash and cash equivalents

 

 

28.343

(e) Short-term loans and advances

 

 

374.184

(f) Other current assets

 

 

377.357

Total Current Assets

 

 

2651.968

 

 

 

 

TOTAL

 

 

8361.223

 

 

SOURCES OF FUNDS

 

 

31.03.2012

31.03.2011

SHAREHOLDERS FUNDS

 

 

 

1] Share Capital

 

9.942

2.942

2] Share Application Money

 

93.000

0.000

3] Reserves & Surplus

 

1517.889

984.090

4] (Accumulated Losses)

 

0.000

0.000

NETWORTH

 

1620.831

987.032

LOAN FUNDS

 

 

 

1] Secured Loans

 

2820.415

1892.699

2] Unsecured Loans

 

333.633

381.763

TOTAL BORROWING

 

3154.048

2274.462

DEFERRED TAX LIABILITIES

 

113.446

122.968

 

 

 

 

TOTAL

 

4888.325

3384.462

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

 

2391.891

1884.562

Capital work-in-progress

 

687.904

413.989

 

 

 

 

INVESTMENT

 

253.621

248.544

DEFERREX TAX ASSETS

 

0.000

0.000

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

 
547.253
359.806

 

Trade receivable

 
1296.997
941.304

 

Cash & Bank Balances

 
4.925
16.226

 

Other Current Assets

 
138.936
0.000

 

Loans & Advances

 
516.129
346.432

Total Current Assets

 
2504.240

1663.768

Less : CURRENT LIABILITIES & PROVISIONS

 
 

 

 

Sundry Creditors

 
556.153
0.000

 

Other Current Liabilities

 
280.586
663.517

 

Provisions

 
112.592
163.050

Total Current Liabilities

 
949.331

826.567

Net Current Assets

 
1554.909

837.201

 

 

 

 

MISCELLANEOUS EXPENSES

 

0.000

0.166

 

 

 

 

TOTAL

 

4888.325

3384.462

 

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

31.03.2013

31.03.2012

31.03.2011

 

SALES

 

 

 

 

 

Income

10141.484

8570.976

6332.962

 

 

Other Income

19.513

4.059

13.044

 

 

TOTAL                                     (A)

10160.997

8575.035

6346.006

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Cost of material consumed

7689.323

6521.003

4911.031

 

 

Manufacturing Expenses

0.000

0.000

757.657

 

 

Research development Expenditure

0.000

0.000

0.236

 

 

Employee benefit expenses

870.845

732.640

0.000

 

 

Other expenses

484.532

418.170

0.000

 

 

Exceptional items before tax

2.349

(58.979)

0.000

 

 

TOTAL                                     (B)

9047.049

7612.834

5668.924

 

 

 

 

 

Less

PROFIT BEFORE INTEREST, TAX, DEPRECIATION AND AMORTISATION (A-B)      (C)

1113.948

962.201

677.082

 

 

 

 

 

Less

FINANCIAL EXPENSES                         (D)

280.788

208.448

159.152

 

 

 

 

 

 

PROFIT BEFORE TAX, DEPRECIATION AND AMORTISATION (C-D)                                       (E)

833.160

753.753

517.930

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                     (F)

170.246

148.729

132.187

 

 

 

 

 

 

PROFIT BEFORE TAX (E-F)                               (G)

662.914

605.024

385.743

 

 

 

 

 

Less

TAX                                                                  (H)

49.621

84.250

72.130

 

 

 

 

 

 

PROFIT AFTER TAX (G-H)                                (I)

613.293

520.774

313.613

 

 

 

 

 

 

Earnings Per Share (Rs.)

 

 

 

 

Basic

1952.00

1480.900

1063.36

 

Diluted

1345.00

1480.900

1063.36

 

 

 

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2013

31.03.2012

31.03.2011

PAT / Total Income

(%)

6.04

6.07

4.94

 

 

 

 

 

Net Profit Margin

(PBT/Sales)

(%)

6.54

7.06

6.09

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

11.78

12.36

10.87

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

0.30

0.37

0.39

 

 

 

 

 

Debt Equity Ratio

(Total Debt/Networth)

 

2.00

1.94

2.30

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

1.28

2.63

2.01

 

 

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

Yes

 

 

INDEX OF CHARGES

 

S.NO.

CHARGE ID

DATE OF CHARGE CREATION/MODIFICATION

CHARGE AMOUNT SECURED

CHARGE HOLDER

ADDRESS

SERVICE REQUEST NUMBER (SRN)

1

10475121

11/01/2014

1,349,000.00

THE SARASWAT CO-OP BANK LIMITED

RASEC, KANCHAN CHAMBERS, KRANTI CHOWK, STATION RO
AD, AURANGABAD, MAHARASHTRA - 431005, INDIA

B95312856

2

10464829

30/11/2013

318,000.00

THE SARASWAT CO-OP BANK LIMITED

RASEC, KANCHAN CHAMBERS, KRANTI CHOWK, STATION RO
AD, AURANGABAD, MAHARASHTRA - 431005, INDIA

B91405993

3

10464823

28/11/2013

722,000.00

THE SARASWAT CO-OP BANK LIMITED

RASEC, KANCHAN CHAMBERS, KRANTI CHOWK, STATION RO
AD, AURANGABAD, MAHARASHTRA - 431005, INDIA

B91402487

4

10450634

20/09/2013

2,100,000.00

THE SARASWAT CO-OP BANK LIMITED

RASEC, KANCHAN CHAMBERS, KRANTI CHOWK, STATION ROAD, AURANGABAD, MAHARASHTRA - 431005, INDIA

B85579878

5

10447790

31/08/2013

733,000.00

THE SARASWAT CO-OP BANK LIMITED

RASEC, KANCHAN CHAMBERS, KRANTI CHOWK, STATION ROAD, AURANGABAD, MAHARASHTRA - 431005, INDIA

B84393339

6

10414284

29/03/2013

105,000,000.00

IDBI BANK LIMITED

IDBI TOWERWTC COMPLEX, CUFFE PARADE, MUMBAI, MAHARASHTRA - 400005, INDIA

B71616940

7

10414289

29/03/2013

300,000,000.00

IDBI BANK LIMITED

IDBI TOWERWTC COMPLEX, CUFFE PARADE, MUMBAI, MAHARASHTRA - 400005, INDIA

B71618441

8

10414306

29/03/2013

300,000,000.00

IDBI BANK LIMITED

IDBI TOWERWTC COMPLEX, CUFFE PARADE, MUMBAI, MAHARASHTRA - 400005, INDIA

B71617518

9

10420193

22/03/2013

1,590,000.00

THE SARASWAT CO-OP BANK LIMITED

RASEC, KANCHAN CHAMBERS, KRANTI CHOWK, STATION ROAD, AURANGABAD, MAHARASHTRA - 431005, INDIA

B73323693

10

10420197

19/03/2013

897,000.00

THE SARASWAT CO-OP BANK LIMITED

RASEC, KANCHAN CHAMBERS, KRANTI CHOWK, STATION ROAD, AURANGABAD, MAHARASHTRA - 431005, INDIA

B73324261

11

10400520

13/03/2013 *

479,500,000.00

RAJASTHAN STATE INDUSTRIAL DEVELOPMENT & INVESTMEN
T CORPORATION LIMITED

UDYOG BHAVAN ,TILAK MARG, JAIPUR, RAJASTHAN - 302005, INDIA

B71372288

12

10399667

10/12/2013 *

1,400,000,000.00

UNION BANK OF INDIA INDUSTRIAL FINANCE BRANCH

619,SACHAPIR STREET,, CAMP, PUNE, MAHARASHTRA - 411001, INDIA

B95622494

13

10361420

29/05/2012

9,800,000.00

THE SARASWAT CO-OP BANK LIMITED

RASEC, KANCHAN CHAMBERS, KRANTI CHOWK, STATION ROAD, AURANGABAD, MAHARASHTRA - 431005, INDIA

B41951559

14

10357306

31/03/2012

125,000,000.00

THE COSMOS CO-OPERATIVE BANK LTD. (CHINCHWAD BRANCH)

269/270, SHANIWAR PETH, PUNE, MAHARASHTRA - 411030, INDIA

B40199655

15

10343577

31/07/2012 *

360,000,000.00

ICICI BANK LIMITED

ICICI TOWER, NBCC PLACE,, BHISHAM PITAMAH MARG,PR
AGATI VIHAR, NEW DELHI, DELHI - 110003, INDIA

B45422045

16

10343536

20/03/2012

200,000,000.00

ICICI BANK LIMITED

ICICI TOWER, NBCC PLACE,, BHISHAM PITAMAH MARG,PR
AGATI VIHAR,, NEW DELHI, DELHI - 110003, INDIA

B35577766

17

10348597

12/09/2012 *

1,116,000,000.00

THE SARASWAT CO-OP BANK LIMITED

PLOT NO. X-23, MIDC WALUJ, AURANGABAD, MAHARASHTRA
- 431136, INDIA

B59337964

18

10340935

16/02/2012

690,000.00

THE SARASWAT CO-OP BANK LIMITED

RASEC, KANCHAN CHAMBERS, KRANTI CHOWK, STATION ROAD, AURANGABAD, MAHARASHTRA - 431005, INDIA

B34478149

19

10307257

23/08/2011

203,240,000.00

THE SARASWAT CO-OP BANK LIMITED

PLOT NO. X-23, MIDC WALUJ, AURANGABAD, MAHARASHTRA
- 431136, INDIA

B20994513

20

10295588

19/05/2011

50,000,000.00

THE COSMOS CO-OPERATIVE BANK LIMITED (CHINCHWAD BRANCH)

269/270,, SHANIWAR PETH,, PUNE, MAHARASHTRA - 411030, INDIA

B16353401

21

10285375

11/04/2011

600,000.00

THE SARASWAT CO-OPERATIVE BANK LIMITED

RASEC, KANCHAN CHAMBERS, KRANTI CHOWK,, STATION ROAD,, AURANGABAD, MAHARASHTRA - 431005, INDIA

B12154217

22

10286305

29/07/2013 *

293,750,000.00

AXIS BANK LIMITED

CORPORATE BANKING BRANCH,214-215,CITY MALL, NEAR PUNE UNIVERSITY, GANESHKHIND ROAD, PUNE, MAHARASHTRA - 411007, INDIA

B83067116

23

10272925

10/02/2011

170,000,000.00

THE COSMOS CO-OPERATIVE BANK LIOMITED

 (CHINCHWAD
BRANCH )

269/270,, SHANIWAR PETH, PUNE, MAHARASHTRA - 411030, INDIA

B07155344

24

10274639

01/02/2011

109,015,000.00

THE SARASWAT CO-OP BANK LIMITED

PLOT NO. X-23, MIDC WALUJ, AURANGABAD, MAHARASHTRA
- 431136, INDIA

B08479503

25

10265956

06/01/2011

179,200,000.00

THE SARASWAT CO-OP BANK LIMITED

PLOT NO. X-23, MIDC WALUJ, AURANGABAD, MAHARASHTRA
- 431136, INDIA

B04692885

26

10263728

30/11/2010

129,049,000.00

THE SARASWAT CO-OP BANK LIMITED

PLOT NO. X-23, MIDC AREA, WALUJ, AURANGABAD, MAHARASHTRA - 431003, INDIA

B03618410

27

10258345

22/11/2010

138,500,000.00

THE COSMOS CO-OPERATIVE BANK LTD. (CHINCHWAD BR.)

269/270, SHANIWAR PETH, PUNE, MAHARASHTRA - 411030, INDIA

B01206382

28

10241741

15/09/2010

350,000.00

THE SARASWAT COP-OPERATIVE BANK LIMITED

PLOT NO. X-23, MIDC AREA WALUJ,, AURANGABAD, MAHARASHTRA - 431003, INDIA

A95320263

29

10226104

19/05/2010

80,000,000.00

THE COSMOS CO-OPERATIVE BANK LTD (CHINCHWAD BR)

269/270, SHANIWAR PETH, PUNE, MAHARASHTRA - 411030, INDIA

A88448881

30

10226103

17/05/2010

4,200,000.00

THE COSMOS CO-OPERATIVE BANK LTD (CHINCHWAD BR)

269/270, SHANIWAR PETH, PUNE, MAHARASHTRA - 411030, INDIA

A88447990

31

10205120

29/03/2013 *

190,000,000.00

IDBI BANK LIMITED

IDBI TOWERWTC COMPLEX, CUFFE PARADE, MUMBAI, MAHARASHTRA - 400005, INDIA

B71617872

32

10205119

31/01/2013 *

250,000,000.00

IDBI BANK LIMITED

IDBI TOWERWTC COMPLEX, CUFFE PARADE, MUMBAI, MAHARASHTRA - 400005, INDIA

B69260073

33

10186385

09/11/2009

509,000.00

THE SARASWAT CO-OP BANK LIMITED

BRANCH STATION ROAD,, AURANGABAD, MAHARASHTRA - 431005, INDIA

A73295149

34

10185705

29/07/2013 *

200,000,000.00

AXIS BANK LIMITED

CORPORATE BANKING BRANCH,214-215,CITY MALL, NEAR PUNE UNIVERSITY,GANESHKHIND ROAD, PUNE,MAHARASHTA - 411007, INDIA

B83702209

35

10181491

25/09/2009

40,000,000.00

THE COSMOS CO-OPERATIVE BANK LIMITED (CHINCHWAD BR
ANCH)

269/270, SHANIWAR PETH, PUNE, MAHARASHTRA - 411030, INDIA

A71312607

36

10299352

23/09/2009

9,240,000.00

IDBI BANK LIMITED

486, CHIPLUNKAR BHAVAN, GROUND FLOOR, LBS ROAD,,
NEAR ALKA TALKIES CHOWK, NAVI PETH,, PUNE, MAHARASHTRA - 411030, INDIA

B02919777

37

10148746

02/03/2009

100,000,000.00

THE SARASWAT CO-OP BANK LIMITED

BRANCH WALUJ, AURANGABAD, MAHARASHTRA - 431136, INDIA

A58775511

38

10128221

17/09/2008

207,500,000.00

THE COSMOS CO-OPERATIVE BANK LIMITED CHINCHWAD BRANCH

269/270, SHANIWAR PETH, PUNE, MAHARASHTRA - 411030, INDIA

A47196563

39

10100153

10/04/2008

40,000,000.00

THE SARASWAT CO-OPERATIVE BANK LIMITED

PLOT NO. X-23, WALUJ INDUSTRIAL AREA, NEAR HOTEL
OASIS, WALUJ, AURANGABAD, MAHARASHTRA - 431003, INDIA

A37367216

40

10097740

31/03/2008

80,000,000.00

THE SARASWAT CO-OP. BANK LIMITED

PLOT NO. X-23, WALUJ INDUSTRIAL AREA,, NEAR HOTEL
OASIS, WALUJ,, AURANGABAD, MAHARASHTRA - 431003, INDIA

A36361939

41

10097741

31/03/2008

110,000,000.00

THE SARASWAT CO-OP. BANK LIMITED

PLOT NO. X-23, WALUJ INDUSTRIAL AREA,, NEAR HOTEL
OASIS, WALUJ,, AURANGABAD, MAHARASHTRA - 431003, INDIA

A36362846

42

10087668

08/02/2008

20,000,000.00

THE SARASWAT CO-OP. BANK LIMITED

PLOT NO. X-23, WALUJ INDUSTRIAL AREA,, NEAR HOTEL
OASIS, WALUJ,, AURANGABAD, MAHARASHTRA - 431003, INDIA

A32455578

43

10087444

08/02/2008

20,000,000.00

THE SARASWAT CO-OP. BANK LIMITED

PLOT NO. X-23, WALUJ INDUSTRIAL AREA,, NEAR HOTEL
OASIS, WALUJ,, AURANGABAD, MAHARASHTRA - 431003, INDIA

A32372187

44

10085453

05/05/2011 *

74,900,000.00

THE SARASWAT COP-OP BANK LIMITED

PLOT NO. X-23, MIDC WALUJ, AURANGABAD, MAHARASHTRA
- 431133, INDIA

B13562525

45

10082242

28/12/2007

1,140,000.00

THE SARASWAT CO-OPERATIVE BANK LIMITED

PLOT NO.X-23, WALUJ INDUSTRIAL AREA,, NEAR HOTEL
OASIS, WALUJ,, AURANGABAD, MAHARASHTRA - 431003, INDIA

A29699766

46

10085175

18/12/2007

5,000,000.00

THE SARASWAT CO-OPERATIVE BANK LIMITED

WALUJ,, AURANGABAD,, AURANGABAD, MAHARASHTRA - 431003, INDIA

A30967319

47

10071170

26/09/2007

1,800,000.00

THE SARASWAT CO-OPERATIVE BANK LIMITED

WALUJ BRANCH, AURANGABAD, AURANGABAD, MAHARASHTRA
- 431005, INDIA

A24736373

48

10069209

02/12/2013 *

510,100,000.00

THE SARASWAT CO-OP BANK LIMITED

PLOT NO. X-23, MIDC WALUJ, AURANGABAD, MAHARASHTRA
- 431133, INDIA

B91643262

49

10072660

05/09/2007

160,000,000.00

THE SARASWAT CO-OPERATIVE BANK LIMITED

WALUJ BRANCH, AURANGABAD, AURANGABAD, MAHARASHTRA
- 431005, INDIA

A25377318

50

10072661

05/09/2007

160,000,000.00

THE SARASWAT CO-OPERATIVE BANK LIMITED

WALUJ, AURANGABAD, MAHARASHTRA - 431005, INDIA

A25376336

51

10066242

02/04/2013 *

50,000,000.00

KOTAK MAHINDRA BANK LIMITED

36-38A, NARIMAN BHAVAN, 227,D,, NARIMAN POINT,, MUMBAI, MAHARASHTRA - 400021, INDIA

B72975964

52

10080501

30/03/2007

8,500,000.00

THE SARASWAT CO-OPERATIVE BANK LIMITED

WALUJ, AURANGABAD, AURANGABAD, MAHARASHTRA - 431005, INDIA

A28630606

53

10044653

24/03/2007

54,750,000.00

THE SARASWAT CO-OPERATIVE BANK LIMITED

WALUJ BRANCH, AURANGABAD, AURANGABAD, MAHARASHTRA
- 431005, INDIA

A13080296

54

10044272

24/03/2007

54,750,000.00

THE SARASWAT CO-OPERATIVE BANK LIMITED

WALUJ BRANCH, AURANGABAD, MAHARASHTRA - 431005, INDIA

A13106059

55

10035618

19/01/2007

51,400,000.00

THE SARASWAT CO-OPERATIVE BANK LIMITED

WALUJ BRANCH, AURANGABAD, AURANGABAD, MAHARASHTRA
- 431005, INDIA

A10365492

56

10036747

19/01/2007

51,400,000.00

THE SARASWAT CO-OPERATIVE BANK LIMITED

WALUJ BRANCH, AURANGABAD, AURANGABAD, MAHARASHTRA
- 431005, INDIA

A10362242

57

10032407

02/04/2013 *

320,000,000.00

KOTAK MAHINDRA BANK LIMITED

36-38A, NARIMAN BHAVAN, 227,D,, NARIMAN POINT,, MUMBAI, MAHARASHTRA - 400021, INDIA

B72976509

58

10026725

05/10/2006

782,000.00

THE SARASWAT CO-OPERATIVE BANK LIMITED

WALUJ BRANCH, AURANGABAD, MAHARASHTRA - 431005, INDIA

A06414965

59

10026133

04/10/2006

6,500,000.00

THE SARASWAT CO-OPERATIVE BANK LIMITED

WALUJ BRANCH, AURANGABD, MAHARASHTRA - 431005, INDIA

A06430300

60

10073273

26/09/2006

22,700,000.00

THE SARASWAT CO-OPERATIVE BANK LIMITED

MIDC WALUJ, AURANGABAD, MAHARASHTRA - 430033, INDIA

A06378814

61

10083574

26/09/2006

22,700,000.00

THE SARASWAT CO-OPERATIVE BANK LIMITED

MIDC WALUJ, AURANGABAD, MAHARASHTRA - 431005, INDIA

A11525920

62

10092865

26/09/2006

22,700,000.00

THE SARASWAT CO-OPERATIVE BANK LIMITED

WALUJ, AURANGABAD, MAHARASHTRA - 431005, INDIA

A11534146

63

10018656

30/08/2006

821,000.00

THE SARASWAT CO-OPERATIVE BANK LIMITED

WALUJ AURANGABAD, AURANGABAD, MAHARASHTRA - 431005, INDIA

A04506119

64

10012625

27/07/2006

349,000.00

THE SARASWAT CO-OPERATIVE BANK LIMITED

WALUJ BRANCH, AURANGABAD, MAHARASHTRA - 431136, INDIA

A03004496

65

10008521

22/06/2006

13,600,000.00

THE SARASWAT CO-OPERATIVE BANK LIMITED

MIDC WALUJ, AURANGABAD, MAHARASHTRA - 430033, INDIA

A01933365

66

10008548

22/06/2006

13,600,000.00

THE SARASWAT CO-OPERATIVE BANK LIMITED

WALUJ BRANCH, AURANGABAD, MAHARASHTRA - 431005, INDIA

A02028405

67

10008169

05/06/2006

6,623,000.00

THE SARASWAT CO-OPERATIVE BANK LIMITED

MIDC WALUJ, AURANGABAD, MAHARASHTRA - 430033, INDIA

A01612399

68

10003766

28/03/2006

73,500,000.00

THE SARASWAT CO-OPERATIVE BANK LIMITED

WALUJ BRANCH, AURANGABAD, AURANGABAD, MAHARASHTRA
- 431005, INDIA

A00380055

69

80030611

30/03/2007 *

8,500,000.00

THE SARASWAT CO-OPERATIVE BANK LIMITED

WALUJ BRANCH, AURANGABAD, MAHARASHTRA - 431005, INDIA

A15635881

70

90160594

23/01/2004

40,000,000.00

THE SARASWAT CO-OPERATIVE BANK LIMITED

WALUJ BRANCH, AURANGABAD, MAHARASHTRA, INDIA

-

71

90158106

10/09/2007 *

140,100,000.00

THE SARASWAT CO-OPERATIVE BANK LIMITED

WALUJ, AURANGABAD, AURANGABAD, MAHARASHTRA - 400130, INDIA

A25376864

 

* Date of charge modification

 

 

UNSECURED LOANS

31.03.2013

(Rs. In Millions)

LONG-TERM BORROWINGS

 

Deferred sales tax loan

197.126

Loans and advances from related parties

219.308

 

 

Total

 

416.434

 

 

UNSECURED LOANS

31.03.2012

(Rs. In Millions)

Loans and Advance From Related Parties

333.633

 

 

Total

333.633

 

 

PERFORMANCE

 

During the year under consideration, the company has achieved a gross turnover of Rs. 11577.200 Millions as compared to the gross turnover of Rs. 9742.900 Millions of last year at a growth rate of 18.83%. It has earned Cash Profit of Rs. 708.200 Millions during this year as compared to Cash Profit of Rs. 510.900 Millions of preceding year. No doubt they have achieved good results for FY 2012, and they believe they are poised to achieve much more in the years to come. Especially when their economy is on a path of robust growth, their customers like Bajaj Auto Limited, TATA Motors Limited and Honda Motorcycle and Scooters (India) Private Limited (HMSIPL) are outperforming the markets; they need to push ourselves to make the most of these opportunities. "The company is implementing for major developments and expansions: A project in the state of Karnataka for one of the Auto giant namely Honda Motorcycle and Scooters (India) Private Limited (HMSIPL). The Company has signed MoU with the Government of Karnataka for setting up a project for Automobile parts situated at Narasapura Industrial Area, Taluka and District: Kolar Karnataka. And also Company has entered into a Joint Venture with Cellino SRL Manufacturing Company, Itally to carry out the business of the engineering, manufacture and sale of automotive and other components with particular emphasis on sheet metal parts and manufacturing progressive tools. The Company has received the status of ""Mega Project"" for the plant namely Unit XIII situated at Plot No.A-23/1 and Plot No.B-39, Chakan, Tal: Khed, District Pune – 410 501, in January 2013 [a ‘C+'' Zone under the Package Scheme of Incentives (PSI) 2007] from Government of Maharashtra. The Company is also in discussions with various customers for their new developments which could call for further expansion of capacities. "

 

 

AWARDS AND ACHIEVEMENTS

 

"During the year, the company have registered notable achievements and received reputable accolades. Some of them are enumerated below: t Unit-V Aurangabad has received the prestigious BAL 'Q' Gold Awards from their esteemed customer Bajaj Auto Limited. t Unit-V IMTMA - SIEMENS Productivity Championship Award 2012 t Unit-V Aurangabad has received certification from OHSAS 18001:2007. t Ranjangaon Moulding Div. Pune received ""Innovation Level II Award"" from LG Electronics. t ""Growth with Quality"" Partnership with Tata Motors Limited. t ""Best Debutant Vendor of 2010-11"" from Ashok Leyland. They are happy to convey that one of their Unit V is selected for the final round of JIPM a Japanese Company which is pioneer in the TPM (Total Productivity Maintenance)"

 

 

FIXED ASSETS:

 

·         Land

Buildings

Other building

Plant and equipment

Factory equipments

Other plant and equipment

Furniture and fixtures

Vehicles

Motor vehicles

Office equipment

Computer equipments

Other equipments


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. 61.01

UK Pound

1

Rs. 101.78

Euro

1

Rs. 84.68

 

 

INFORMATION DETAILS

 

Report Prepared by :

NKT

 


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

5

PAID-UP CAPITAL

1~10

5

OPERATING SCALE

1~10

5

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

6

--PROFITABILIRY

1~10

6

--LIQUIDITY

1~10

6

--LEVERAGE

1~10

6

--RESERVES

1~10

6

--CREDIT LINES

1~10

6

--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

DEFAULTERS 

 

 

--RBI

YES/NO

NO

--EPF

YES/NO

NO

 

 

 

TOTAL

 

52

 

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

 

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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.