MIRA INFORM REPORT

 

 

Report Date :

08.02.2014

 

IDENTIFICATION DETAILS

 

Name :

RAJIV PETROCHEMICALS PRIVATE LIMITED

 

 

Registered Office :

Rajiv House 4, Smrutikunj, Swastick Cross Road, Near Navrangpura Post Office, Ahmedabad -  380009, Gujarat

 

 

Country :

India

 

 

Financials (as on) :

31.03.2013

 

 

Date of Incorporation :

27.10.1993

 

 

Com. Reg. No.:

04-020527

 

 

Capital Investment / Paid-up Capital :

Rs. 9.901 Millions

 

 

CIN No.:

[Company Identification No.]

U23209GJ1993PTC020527

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

AHMR01211A

 

 

Legal Form :

Private Limited Liability Company

 

 

Line of Business :

Manufacturer and Exporter of PVC resin, PET resin, master batches, LDPE, PP, LDPE, HDPE etc.

 

 

No. of Employees :

350 (Approximately)

 

 

RATING & COMMENTS

 

MIRA’s Rating :

B (27)

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

 

Maximum Credit Limit :

USD 310000

 

 

Status :

Moderate

 

 

Payment Behaviour :

Slow but correct

 

 

Litigation :

Clear

 

 

Comments :

Subject is an established company having a moderate track record.

 

There appears losses recorded by the company from its operation activities during the financial year 2013.

 

However, trade relations are fair. Business is active. Payment terms are slow but correct.

 

The company can be considered for business dealing with some caution.

 

 

NOTES :

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

 

 

ECGC Country Risk Classification List – 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 on providing 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

BB- (Long Term Bank Facilities)

Rating Explanation

Moderate risk of default and high credit risk.

Date

January 31, 2014

 

 

Rating Agency Name

CARE

Rating

A4+ (Short Term Bank Facilities)

Rating Explanation

Minimal degree at safety and very high credit risk.

Date

January 31, 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 31-03-2012.

 

 

INFORMATION PARTED BY (GENERAL DETAILS)

 

Name :

Mr. Ashok Brahmabhat

Designation :

Accounts Executive

Contact No.:

91-79-26448383

Date :

07.02.2014

 

 

LOCATIONS

 

Registered Office :

Rajiv House 4, Smrutikunj, Swastick Cross Road, Near Navrangpura Post Office, Ahmedabad -  380009, Gujarat, India

Tel. No.:

91-79-26448383/ 26568571/ 26568574

Fax No.:

91-79-26423595

E-Mail :

communicates@rajivgroup.com

cakmanish@rajivgroup.com

rajivvastupal@hotmail.com

accounts@rajivgroup.com

polymers@rajivgroup.com

Website :

http://www.teamrajiv.com

www.rajivgroup.com

Area :

10000 Sq. Ft

Location :

Owned

 

 

Factory :

205/21209, GIDC, Dhalka, Ahmedabad, Gujarat, India

Tel. No.:

91-271-4248344

Area :

10000 Sq. Ft

Location :

Owned

 

 

DIRECTORS

 

AS ON 26.09.2013

 

Name :

Mr. Rajiv Vastupal Mehta

Designation :

 Managing Director

Address :

30-31, Vasantkunj, New Sharada Mandir, Ahmedabad – 380007, Gujarat, India

Date of Birth/Age :

28.10.1957

Qualification :

CA Inter

Date of Appointment :

27.10.1993

DIN No.:

00647906

Other Directorship :

 

S.No.

CIN/LLPIN

Name of the Company/ LLP

Current designation of the Director/ Designated Partner

Date of appointment at current designation

Original date of appointment

Company/ LLP Status

Defaulting status

1

U40109GJ1988PTC010749

RAJIV ENTERPRISE PRIVATE LIMITED

Director

24/05/1988

24/05/1988

Active

NO

2

U23209GJ1993PTC020527

RAJIV PETROCHEMICALS PRIVATE LIMITED

Managing director

27/10/1993

27/10/1993

Active

NO

3

U63040GJ1995PTC025879

TRAVEL 'n' EASE PRIVATE LIMITED

Director

10/06/1995

10/06/1995

Active

NO

4

U31401GJ2007PTC051019

OPTIC LITING PRIVATE LIMITED

Director

01/06/2007

01/06/2007

Active

NO

5

U74900GJ2009NPL055842

YPO (GUJARAT)

Director

06/01/2009

06/01/2009

Active

NO

 

 

Name :

Mr. Jitendra Jatilal Patel

Designation :

Director

Address :

5, Manavseva Society, Opposite Balol Nagar, Ranip, Ahmedabad – 382480, Gujarat, India

Date of Birth/Age :

01.08.1958

Qualification :

B.COM

Date of Appointment :

16.11.1999

DIN No.:

00871873

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

U23209GJ1993PTC020527

RAJIV PETROCHEMICALS PRIVATE LIMITED

Director

16/11/1999

16/11/1999

-

Active

NO

2

U24110GJ1985PTC007863

PARI PLAST INDUSTRIES PRIVATE LIMITED

Director

20/11/2006

20/11/2006

-

Amalgamated

NO

3

U31401GJ2007PTC051019

OPTIC LITING PRIVATE LIMITED

Director

09/07/2007

09/07/2007

-

Active

NO

4

U17120GJ2009PTC056749

ATLANTIS PRODUCTS PRIVATE LIMITED

Director

18/02/2010

18/02/2010

17/11/2011

Active

NO

 

 

KEY EXECUTIVES

 

Name :

Mr. Ashok Brahmabhat

Designation :

Accounts Executive

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

AS ON 26.09.2013

 

Names of Shareholders

 

 

No. of Shares

Rajiv Vastupal Mehta

 

837500

Arati Rajiv Mehta

 

60000

Induben Ambalal Parekh

 

37300

Rannaben Sanghavi

 

5000

Jitendra Ratilal Patel

 

100

Chunilal Ganeshdas Patel

 

100

Rajiv Enterprise Private Limited, India

 

50000

Mayank N. Shah

 

17

Ama Manufacturing and Trading Private Limited, India

 

9

Natvarlal C Shah, Girishbhai S Shah and Amitbhai P Shah, Shree Ama and Company, India

 

22

Rajan Kumudchandra

 

2

Piyush Balvantlal

 

1

Gaurang Balvantlal

 

1

Jayantilal Shantilal

 

1

Anubhai Shantilal

 

1

Manish Mahendrabhai

 

1

Arvindbhai Shantilal

 

2

Girishchandra shantllal

 

1

Amitbhai Pramukhlal

 

2

Rakshaben Virendrabhai

 

1

Namanbhai Virendrabhai

 

1

Piyush Balvantlal

 

1

Gaurang Balvantlal

 

1

Jayantilal Shantilal

 

2

Anubhai Shantilal

 

2

Manish Mahendrabhai

 

2

Arvindbhai Shantilal

 

2

Girishchandra Shantilal

 

1

Amitbhai Pramukhlal

 

3

Rakshaben Virendrabhai

 

1

Namanbhai Virendrabhai

 

1

Rajan Kumudchandra

 

1

Ama Distributors Private Limited, India

 

26

Natvarlal Chimanlal Shah

 

2

Manoj Natvarlal

 

1

Natvarlal Chimanlal

 

1

 

 

 

Total

 

 

990109

 

 

AS ON 26.09.2013

 

Equity Shares Break Up

Percentage of Holding

Bodies corporate

5.05

Directors or relatives of Directors

94.95

 

 

Total

 

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Manufacturer and Exporter of PVC resin, PET resin, master batches, LDPE, PP, LDPE, HDPE etc.

 

 

Products :

Item Code No. (ITC Code)

316224006

Product Description

PVC Resin/LDPE/HDPE

Item Code No. (ITC Code)

312260008

Product Description

Master Batch

Item Code No. (ITC Code)

30520100X

Product Description

Stabilizers (Pesticizers)

 

 

Exports :

 

Products :

P P Woven Bags

Countries :

·         Middle East Countries

Europe

 

 

Terms :

 

Selling :

L/C, Cash and Credit

 

 

Purchasing :

L/C, Cash and Credit

 

 

PRODUCTION STATUS (AS ON : 31.03.2011)

 

Particulars

 

Unit

Installed Capacity

 

 

 

PP / HDPE Bags

Per Annum

3000000

 

 

Particulars

 

Unit

Actual Production

PP Bags

Nos.

3608641

PP Waste

Kgs.

1978

PP Tale

Kgs

229011

PP Defective Fab

Nos.

1175

 

 

GENERAL INFORMATION

 

Customers :

Wholesalers and Retailers

 

 

No. of Employees :

350 (Approximately)

 

 

Bankers :

·         Syndicate Bank, Navrangpura Branch, C G Road, Ahmedabad – 380009, Gujarat, India

·         The Kalupur Commercial Co-Operative Bank Limited

 

 

Facilities :

Secured Loan

 

31.03.2013

(Rs. In Millions)

31.03.2012

(Rs. In Millions)

SHORT TERM BORROWINGS

 

 

Loans repayable on demand from banks

99.782

99.445

 

 

 

Total

 

99.782

99.445

 

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

Jain Kedia And Sharma

Chartered Accountants

Address :

13 Mill Officers Colony, IInd Floor, Behind. La Gaijar Chambers, Ashram Road, Ahmedabad-380009, Gujarat, India

PAN No.:

AABFJ2625B

 

 

Associates :

·         Rajiv Enterprise Private Limited

·         Optic Liting Private Limited

·         Atlantis Products Private Limited

 

 

Other Related Parties :

·         Rajiv Enterprise (Ahmedabad)

·         Rajiv Enterprise (Gujarat)

·         Riddhi Enterprise

·         Optiflex Industries

·         Elegant Enterprise

·         Rajiv Sales

·         Arvi Enterprise

·         Anupam Enterprise

·         Vibrant Impex

 

 

CAPITAL STRUCTURE

 

AS ON 31.03.2013

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

1000000

Equity Shares

Rs.10/- each

Rs. 10.000 Millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

990109

Equity Shares

Rs.10/- each

Rs. 9.901 Millions

 

 

 

 

 

FINANCIAL DATA

[all figures are in Rupees Millions]

 

ABRIDGED BALANCE SHEET

 

SOURCES OF FUNDS

 

31.03.2013

31.03.2012

31.03.2011

I.        EQUITY AND LIABILITIES

 

 

 

(1)Shareholders' Funds

 

 

 

(a) Share Capital

9.901

9.901

9.701

(b) Reserves & Surplus

67.793

69.350

55.737

(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)

77.694

79.251

65.438

 

 

 

 

(3) Non-Current Liabilities

 

 

 

(a) long-term borrowings

0.000

0.000

0.000

(b) Deferred tax liabilities (Net)

7.889

2.909

1.930

(c) Other long term liabilities

0.055

0.947

5.338

(d) long-term provisions

0.080

0.578

1.140

Total Non-current Liabilities (3)

8.024

4.434

8.408

 

 

 

 

(4) Current Liabilities

 

 

 

(a) Short term borrowings

247.048

191.377

552.076

(b) Trade payables

445.192

328.357

30.070

(c) Other current liabilities

9.052

10.503

5.337

(d) Short-term provisions

2.970

1.410

4.478

Total Current Liabilities (4)

704.262

531.647

591.961

 

 

 

 

TOTAL

789.980

615.332

665.807

 

 

 

 

II.      ASSETS

 

 

 

(1) Non-current assets

 

 

 

(a) Fixed Assets

 

 

 

(i) Tangible assets

75.960

98.292

72.978

(ii) Intangible Assets

1.390

1.802

2.121

(iii) Capital work-in-progress

0.000

0.000

12.512

(b) Non-current Investments

0.031

0.031

0.031

(c) Deferred tax assets (net)

0.000

0.000

0.000

(d)  Long-term Loan and Advances

51.807

40.831

38.724

(e) Other Non-current assets

9.657

10.500

11.892

Total Non-Current Assets

138.845

151.456

138.258

 

 

 

 

(2) Current assets

 

 

 

(a) Current investments

0.000

0.000

0.000

(b) Inventories

3.843

31.736

22.167

(c) Trade receivables

507.617

386.891

418.704

(d) Cash and cash equivalents

68.702

29.502

36.082

(e) Short-term loans and advances

61.931

10.433

10.394

(f) Other current assets

9.042

5.314

40.202

Total Current Assets

651.135

463.876

527.549

 

 

 

 

TOTAL

789.980

615.332

665.807

 

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

 

31.03.2013

31.03.2012

31.03.2011

 

SALES

 

 

 

 

 

TOTAL                                    

NA

NA

NA

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

TOTAL                                    

NA

NA

NA

 

 

 

 

 

 

PROFIT / (LOSS) BEFORE TAX, DEPRECIATION AND AMORTISATION

9.456

9.245

18.826

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                    

4.581

4.812

5.214

 

 

 

 

 

 

PROFIT / (LOSS) BEFORE TAX

4.875

4.433

13.612

 

 

 

 

 

Less

TAX                                                                 

6.432

2.620

1.578

 

 

 

 

 

 

PROFIT / (LOSS) AFTER TAX

(1.557)

1.813

12.034

 

 

 

 

 

Add

PREVIOUS YEARS’ BALANCE BROUGHT FORWARD

52.750

50.937

38.903

 

 

 

 

 

 

BALANCE CARRIED TO THE B/S

51.193

52.750

50.937

 

 

 

 

 

 

EARNINGS IN FOREIGN CURRENCY

 

 

 

 

 

Export Earnings

0.000

0.000

3.344

 

 

 

 

 

 

IMPORTS VALUE

284.345

263.782

217.987

 

 

 

 

 

 

Earnings / (Loss) Per Share (Rs.)

(1.57)

1.83

12.40

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2013

31.03.2012

31.03.2011

Return on Total Assets

(PBT/Total Assets}

(%)

0.62

0.72

2.08

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

0.06

0.06

0.21

 

 

 

 

 

Debt Equity Ratio

(Total Debt /Networth)

 

3.18

2.41

8.44

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

0.92

0.87

0.89

 

 

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

Yes

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

No

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

 

 

UNSECURED LOAN

 

Unsecured Loan

 

31.03.2013

(Rs. In Millions)

31.03.2012

(Rs. In Millions)

SHORT TERM BORROWINGS

 

 

Loans and advances from related parties

133.423

89.110

Loans and advances from others

13.843

2.822

 

 

 

Total

 

147.266

91.932

 

 

INDEX OF CHARGES

 

S.NO.

CHARGE ID

DATE OF CHARGE CREATION/MODIFICATION

CHARGE AMOUNT SECURED

CHARGE HOLDER

ADDRESS

SERVICE REQUEST NUMBER (SRN)

1

10374438

23/08/2012

546,000,000.00

SYNDICATE BANK

NAVRANGPURA BRANCH, MANIKYAM APARTMENT, NAVRANGPURA G. ROAD, AHMEDABAD - 380006, GUJARAT, INDIA

B57250433

2

10246250

03/11/2011 *

228,000,000.00

SYNDICATE BANK

MANIKYAM APARTMENTS, SARDAR PATEL NAGAR, ELLISBRIDGE, NAVRANGPURA, AHMEDABAD - 380006, GUJARAT, INDIA

B26027847

3

10364344

12/12/2006

31,700,000.00

SYNDICATE BANK

SARDAR PATEL NAGAR, NAVRANGPURA, AHMEDABAD - 380006, GUJARAT, INDIA

A27789585

4

10017846

20/04/2012 *

2,400,000.00

SYNDICATE BANK

NAVRANGPURA BRANCH, C.G. ROAD, AHMEDABAD - 380006, GUJARAT, INDIA

B41460213

5

90102280

27/05/2011 *

546,000,000.00

SYNDICATE BANK

NAVRANGPURA BRANCH, C.G. ROAD, AHMEDABAD - 380006, GUJARAT, INDIA

B13619556

6

10364625

12/10/2002

64,000,000.00

THE KALUPUR COMMERCIAL CO.OP. BANK LIMITED

VIKRAM BRANCH, SAROJ CHAMBERS, AHMEDABAD - 380009, GUJARAT, INDIA

A08720716

7

90102203

15/02/2012 *

10,000,000.00

SYNDICATE BANK

NAVRANGPURA BRANCH, C.G. ROAD, AHMEDABAD - 380006, GUJARAT, INDIA

B36283752

8

90101609

12/03/2001 *

1,000,000.00

SYNDICATE BANK

NAVRANGPURA BRANCH, C.G. ROAD, AHMEDABAD - 380006, GUJARAT, INDIA

-

 

* Date of charge modification

 

 

PERFORMANCE DURING THE YEAR

 

The Company has made sales of import various grade of LLDPE Manufactured by Basell International trading FZE, Dubai and PVC Resin of Hanwha Corporation, Korea, Formosa Plastic Corporation, Taiwan, Polyester film of M/s. Jindal Polyester Limited. Further The Company has also carried out the business of consignment activity of M/s. Finolex Industries Limited, M/s. LG Polymers (India) Private Limited, M/s. Haldia Petrochemicals Limited and HPCL Mittal Energy Limited.

 

 

FIXED ASSETS

 

·         Leasehold Land

·         Building (Flat)

·         Plant And Machineries

·         Computer

·         Air Conditioner

·         Water Cooler

·         Office Equipments

·         Furniture And Fixture

·         Vehicles

 

 

 

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. 62.31

UK Pound

1

Rs. 101.78

Euro

1

Rs. 84.68

 

 

INFORMATION DETAILS

 

Information Gathered by :

HTL

 

 

Report Prepared by :

BVA


 

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

--PROFITABILIRY

1~10

--

--LIQUIDITY

1~10

3

--LEVERAGE

1~10

3

--RESERVES

1~10

3

--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

 

27

 

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.