MIRA INFORM REPORT

 

 

Report Date :

10.02.2014

 

IDENTIFICATION DETAILS

 

Name :

PURANI HOSPITAL SUPPLIES LIMITED (w.e.f. 26.04.2004)

 

 

Formerly Known As :

PURANI HOSPITAL SUPPLIES PRIVATE LIMITED

 

 

Registered Office :

No.117, 3rd Floor Purani Trade Centre, Sengupta Road, Ramnagar, Coimbatore – 641009, Tamilnadu

 

 

Country :

India

 

 

Financials (as on) :

31.03.2013

 

 

Date of Incorporation :

19.05.2000

 

 

Com. Reg. No.:

18-009344

 

 

Capital Investment / Paid-up Capital :

Rs. 11.900 Millions

 

 

CIN No.:

[Company Identification No.]

U33119TZ2000PLC009344

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

CMBP03811D

 

 

PAN No.:

[Permanent Account No.]

AADCP0574C

 

 

Legal Form :

A Closely Held Public Limited Liability Company

 

 

Line of Business :

Distributor of Medicines.

 

 

No. of Employees :

104 (Approximately)

 

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba (46)

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

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

Satisfactory

 

Maximum Credit Limit :

USD 469000

 

 

Status :

Satisfactory

 

 

Payment Behaviour :

Usually correct

 

 

Litigation :

Clear

 

 

Comments :

Subject is an established company having satisfactory track record.

 

Trade relation reported to be fair. Business is active. Payment terms are reported to be usually correct.

 

The company can be considered normal for business dealing 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 worst is over for India’s economy with gross domestic product likely to expand 5 %to 5.5 % this year and more than 6 % in 2015, according to Moody’s Analytics. Concerns over the rupee and current account deficit are under control, said the agency. Ratings firm Crisil has forecast 6 % growth for 2014/15 up from the estimated 4.8 % for 2013/14.  Total economic growth, infrastructure bottlenecks and lack of transparency and consistency in foreign direct investment policies seem to have taken a toll on India’s attractiveness as an investment destination, says an Ernst & Young survey.  Projects with FDI component fell 16.4 % across the globe in 2012 from the previous year.  The drop in India was steeper at 21 %. State run carrier Air India is doling out free tickets to its 24000 employees, even as it expects to incur a loss of Rs 39000 mn this financial year and has a debt of Rs 350000 mn. 550000 number of jobs generated across India in 2013, a fall of 0.4 % as compared to with a year earlier. The National  Capital Region has a one-fourth share in total jobs created, according to a study by industry lobby group Assochem, Banks, real estate, automobile and telecommunications sectors are showing a rise of job creation. $ 805 mn investments by venture capital firms in India during 2013, registering a drop of about 18 % over the previous year. The Information Technology and IT-Enabled  Services Industry retained its status as the favourable venture capital investors in 2013. Pakistan has temporarily banned gold imports for the second time in six months, as it tries to stem smuggling into India. India’s import duty on gold is 10 % and curbs on purchases have dried up legal imports into what used to be the world’s biggest bullion buyers. The World Gold Council puts the amount smuggled into India at upto 200 tonnes in 2013. The Reserve Bank of India has proposed that unclaimed bank deposits estimated to be about Rs 35000 mn be used for education and awareness among depositors.  According to the plan, deposits that have not been claimed for at least 10 years will be transferred to the scheme.

 

 

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

 

Name :

Mr. Suresh Babu

Designation :

Business Incharge

Contact No.:

91-9600912350

Date :

08.02.2014

 

 

LOCATIONS

 

Registered Office :

No.117, 3rd Floor Purani Trade Centre, Sengupta Road, Ramnagar, Coimbatore – 641009, Tamilnadu, India

Tel. No. :

91-422-4227600/ 2232560/ 2231037/ 4227605 to 09/ 4227613 to 616

Mobile No. :

91-9600912350 (Mr. Suresh Babu)

Fax No. :

91-422- 4227626

E-Mail :

ramchandaracsllb@gmail.com

puranispldiv@gmail.com

Website :

www.puranisupplies.com

 

 

DIRECTORS

 

As on 11.09.2013

 

Name :

Mr. Palanisami Thavamanidevi

Designation :

Managing director

Address :

No-1, Kovai Estate, Veeriyampalayam Road, Kalapatti, Coimbatore – 641035, Tamilnadu, India 

Date of Birth/Age :

17.11.1947

Qualification :

Doctor

Date of Appointment :

01.11.2009

PAN No.:

ABCPT7584R

DIN No. :

00012135

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

U65999TZ1990PTC002918

KOVAI PURANI FINANCE PRIVATE LIMITED

Director

27/08/1997

27/08/1997

-

Active

NO

2

U72200TZ2000PLC009237

AOSTA SOFTWARE TECHNOLOGIES INDIA LIMITED

Director

13/03/2000

13/03/2000

-

Active

NO

3

U33119TZ2000PLC009344

PURANI HOSPITAL SUPPLIES LIMITED

Managing director

01/11/2009

19/05/2000

-

Active

NO

4

L85110TZ1985PLC001659

KOVAI MEDICAL CENTER AND HOSPITAL LIMITED

Whole-time director

29/07/2010

29/07/2000

-

Active

NO

5

U85110TZ2001PLC009631

IDHAYAM HOSPITALS ERODE LIMITED

Director

17/07/2008

19/04/2007

-

Active

NO

6

U24231TZ2011PLC017367

EDG PHARMACEUTICALS (INDIA)LIMITED

Director

29/08/2011

29/08/2011

-

Active

NO

 

 

Name :

Mr. Deivasigamani Palaniswamy

Designation :

Whole-time director

Address :

Door No.A5, Brindha Nagar, Kalapatti, Coimbatore – 641014, Tamilnadu, India 

Date of Birth/Age :

15.04.1971

Date of Appointment :

01.11.2009

PAN No. :

AASPP2810P

DIN No. :

01692072

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

U70101TZ1994PTC005531

PAVAI PROPERTY DEVELOPERS PRIVATE LIMITED

Director

24/11/1994

24/11/1994

-

Active

NO

2

U63040TZ1995PTC006711

M A P S TRAVELS PRIVATE LIMITED

Director

20/12/1996

20/12/1996

-

Active

NO

3

U33119TZ2000PLC009344

PURANI HOSPITAL SUPPLIES LIMITED

Whole-time director

01/11/2009

01/07/2004

-

Active

NO

4

U65999TZ1990PTC002918

KOVAI PURANI FINANCE PRIVATE LIMITED

Managing director

01/11/2009

01/11/2004

10/12/2012

Active

NO

5

U24231TZ2011PLC017367

EDG PHARMACEUTICALS (INDIA)LIMITED

Director

29/08/2011

29/08/2011

-

Active

NO

 

 

Name :

Mr. Purani Pavai Palaniswami

Designation :

Director

Address :

No-1, Kovai Estate, Veeriyampalayam Road, Kalapatti, Coimbatore – 641035, Tamilnadu, India 

Date of Birth/Age :

18.12.1975

Qualification :

Doctor

Date of Appointment :

24.05.2004

DIN No. :

02707233

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

U33119TZ2000PLC009344

PURANI HOSPITAL SUPPLIES LIMITED

Director

24/05/2004

24/05/2004

Active

NO

2

U72200TZ2000PLC009237

AOSTA SOFTWARE TECHNOLOGIES INDIA LIMITED

Director

09/10/2004

09/10/2004

Active

NO

3

U24231TZ2011PLC017367

EDG PHARMACEUTICALS (INDIA)LIMITED

Director

29/08/2011

29/08/2011

Active

NO

4

U65999TZ1990PTC002918

KOVAI PURANI FINANCE Private Limited

Additional director

01/09/2013

01/09/2013

Active

NO

 

 

Name :

Mr. Mohan Sethupathy Gounder

Designation :

Director

Address :

No-1, Kovai Estate, Veeriyampalayam Road, Kalapatti, Coimbatore – 641035, Tamilnadu, India 

Date of Birth/Age :

16.11.1973

Qualification :

Doctor

Date of Appointment :

24.05.2004

DIN No. :

02479218

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

U33119TZ2000PLC009344

PURANI HOSPITAL SUPPLIES LIMITED

Director

24/05/2004

24/05/2004

-

Active

NO

2

L85110TZ1985PLC001659

KOVAI MEDICAL CENTER AND HOSPITAL LIMITED

Whole-time director

19/07/2013

31/07/2004

-

Active

NO

3

U72200TZ2000PLC009237

AOSTA SOFTWARE TECHNOLOGIES INDIA LIMITED

Director

09/10/2004

09/10/2004

-

Active

NO

4

U24231TZ2011PLC017367

EDG PHARMACEUTICALS (INDIA)LIMITED

Director

29/08/2011

29/08/2011

-

Active

NO

5

U65999TZ1990PTC002918

KOVAI PURANI FINANCE PRIVATE LIMITED

Additional director

01/09/2013

01/09/2013

-

Active

NO

 

 

Name :

Mr. Nallagounder Palaniswami Arun

Designation :

Director

Address :

No-1, Kovai Estate, Veeriyampalayam Road, Kalapatti, Coimbatore – 641035, Tamilnadu, India 

Date of Birth/Age :

03.08.1979

Qualification :

Doctor

Date of Appointment :

19.05.2000

DIN No. :

02706099

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

U72200TZ2000PLC009237

AOSTA SOFTWARE TECHNOLOGIES INDIA LIMITED

Director

13/03/2000

13/03/2000

Active

NO

2

U33119TZ2000PLC009344

PURANI HOSPITAL SUPPLIES LIMITED

Director

19/05/2000

19/05/2000

Active

NO

3

U65999TZ1990PTC002918

KOVAI PURANI FINANCE PRIVATE LIMITED

Director

28/04/2004

28/04/2004

Active

NO

4

U24231TZ2011PLC017367

EDG PHARMACEUTICALS (INDIA)LIMITED

Director

29/08/2011

29/08/2011

Active

NO

 

 

KEY EXECUTIVES

 

Name :

Mr. Suresh Babu

Designation :

Business Incharge

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

As on 11.09.2013

 

Names of Shareholders

 

No. of Shares

 

Thavamani Devi Palaniswami

 

240352

D. Palaniswami

 

20500

Nalla G. Palaniswami

 

10000

Arun Palaniswami

 

947000

Mohan S. Gounder

 

44000

Purani Pavai Palaniswami

 

48000

Sivakami Nallathambi

 

500

Kovai Purani Finance Limited, India

 

40000

Total

 

1350352

 

 

As on 11.09.2013

 

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 :

Distributor of Medicines.

 

 

Products :

Item Code No. (ITC Code)

Product Description

98041000

Drugs and medicines

 

 

Agencies Held :

·         Roche Products (India) Private Limited

Abbott India Limited

Emcure Pharmaceuticals Limited

Abbott Healthcare Limited

 

 

Terms :

 

Selling :

Cash and Credit (30 Days)

 

 

Purchasing :

Cash and Credit (30 Days)

 

 

GENERAL INFORMATION

 

Customers :

Wholesalers, Retailers, End Users and OEM’s

 

 

No. of Employees :

104 (Approximately)

 

 

Bankers :

State Bank of India, City Branch, Oppanakara Street, Coimbatore - 641001, Tamilnadu, India

 

 

Facilities :

Overdraft: Rs. 250.000 Millions (From State Bank of India)

 

SECURED LOANS

31.03.2013

(Rs. In Millions)

31.03.2012

(Rs. In Millions)

LONG TERM BORROWINGS

 

 

Rupee term loans from banks

28.077

38.111

 

 

 

SHORT TERM BORROWINGS

 

 

Working capital loans from banks

(Working Capital Limits from City Union Bank Limited is secured by hypothecation of entire current assets of the company and also by the personal guarantee of all the directors of the company.)

83.541

92.640

Total

111.618

130.751

 

Banking Relations :

--

 

 

Auditors :

 

Name :

V.Chandramouli

Chartered Accountant

Address :

339, Variety Hall Road, Opposite Central Bank of India

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

AAMPC4992K

 

 

Associated Concerns:

·         Kovai Medical Center and Hospital Limited

MAPS Travels Private Limited

K-Pharmacy

Kovai Purani Finance Limited

NGP Petrol Bun

EDG Pharmaceuticals (India) Limited

 

 

CAPITAL STRUCTURE

 

As on 11.09.2013

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

1,500,000

Equity Shares

Rs.10/- each

Rs. 15.000 Millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

1,350,352

Equity Shares

Rs.10/- each

Rs. 13.503 Millions

 

 

 

 

 

 

As on 31.03.2013

 

No. of Shares

Type

Value

Amount

 

 

 

 

1,250,000

Equity Shares

Rs.10/- each

Rs. 12.500 Millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

1,190,000

Equity Shares

Rs.10/- each

Rs. 11.900 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

11.900

11.900

11.900

(b) Reserves & Surplus

103.691

82.833

64.512

(c) Money received against share warrants

0.000

0.000

0.000

 

 

 

 

(2) Share Application money pending allotment

1.603

1.604

1.604

Total Shareholders’ Funds (1) + (2)

117.194

96.337

78.016

 

 

 

 

(3) Non-Current Liabilities

 

 

 

(a) long-term borrowings

28.077

38.111

0.000

(b) Deferred tax liabilities (Net)

3.619

2.356

0.806

(c) Other long term liabilities

0.000

0.000

0.000

(d) long-term provisions

2.853

1.960

1.549

Total Non-current Liabilities (3)

34.549

42.427

2.355

 

 

 

 

(4) Current Liabilities

 

 

 

(a) Short term borrowings

83.541

92.640

94.444

(b) Trade payables

62.173

56.896

42.759

(c) Other current liabilities

14.241

6.131

0.953

(d) Short-term provisions

9.422

7.636

7.137

Total Current Liabilities (4)

169.377

163.303

145.293

 

 

 

 

TOTAL

321.120

302.067

225.664

 

 

 

 

II.      ASSETS

 

 

 

(1) Non-current assets

 

 

 

(a) Fixed Assets

 

 

 

(i) Tangible assets

70.340

71.627

10.721

(ii) Intangible Assets

0.000

0.000

0.000

(iii) Capital work-in-progress

0.439

0.000

0.000

(iv) Intangible assets under development

0.000

0.000

0.000

(b) Non-current Investments

0.000

0.000

0.000

(c) Deferred tax assets (net)

0.000

0.000

0.000

(d)  Long-term Loan and Advances

58.798

58.451

58.068

(e) Other Non-current assets

0.000

0.000

0.000

Total Non-Current Assets

129.577

130.078

68.789

 

 

 

 

(2) Current assets

 

 

 

(a) Current investments

0.000

0.000

0.000

(b) Inventories

55.923

54.913

41.492

(c) Trade receivables

107.107

92.522

83.658

(d) Cash and cash equivalents

13.434

15.370

22.316

(e) Short-term loans and advances

15.079

9.184

9.409

(f) Other current assets

0.000

0.000

0.000

Total Current Assets

191.543

171.989

156.875

 

 

 

 

TOTAL

321.120

302.067

225.664

 

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

31.03.2013

 

31.03.2012

31.03.2011

 

SALES

 

 

 

 

 

Income

1353.622

1113.956

883.944

 

 

Other Income

7.796

7.655

4.378

 

 

TOTAL                                     (A)

1361.418

1121.611

888.322

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Purchases of stock-in-trade

1253.484

1037.045

820.277

 

 

Changes in inventories of finished goods, work-in-progress and stock-in-trade

(1.010)

(13.422)

(7.551)

 

 

Employee benefit expense

33.289

27.962

22.611

 

 

Other expenses

23.587

21.864

19.928

 

 

TOTAL                                     (B)

1309.350

1073.449

855.265

 

 

 

 

 

 

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

52.068

48.162

33.057

 

 

 

 

 

Less

FINANCIAL EXPENSES                         (D)

17.111

17.454

10.640

 

 

 

 

 

 

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

34.957

30.708

22.417

 

 

 

 

 

Less. Add

DEPRECIATION/AMORTISATION                      (F)

3.499

3.251

1.277

 

 

 

 

 

 

PROFIT/(LOSS)  BEFORE TAX (E-F)                  (G)           

31.458

27.457

21.140

 

 

 

 

 

Less

TAX                                                                  (H)

10.600

9.136

7.142

 

 

 

 

 

 

PROFIT/(LOSS)  AFTER TAX (G-H)                   (I)

20.858

18.321

13.998

 

 

 

 

 

 

Earnings /(Loss) Per Share (Rs.)

17.53

15.40

11.76

 

Expected Sales (2013-2014) : Rs. 150.000 Millions

 

The above information has been parted by Mr. Suresh Babu (Business Incharge)

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2013

31.03.2012

31.03.2011

PAT / Total Income

(%)

1.53

1.63

1.58

 

 

 

 

 

Net Profit Margin

(PBT/Sales)

(%)

2.32

2.46

2.39

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

9.81

9.09

9.37

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

0.27

0.29

0.27

 

 

 

 

 

Debt Equity Ratio

(Total Debt/Networth)

 

0.95

1.36

1.21

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

1.13

1.05

1.08

 

 

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

Yes

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)

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

No

 

 

INDEX OF CHARGES

 

S.NO.

CHARGE ID

DATE OF CHARGE CREATION/

MODIFICATION

CHARGE AMOUNT SECURED

CHARGE HOLDER

ADDRESS

SERVICE REQUEST NUMBER (SRN)

1

10229942

14/10/2011 *

190,647,942.00

CITY UNION BANK LIMITED

RAM NAGAR BRANCH, RAM NAGAR, COIMBATORE - 641009, TAMILNADU, INDIA

B25917857

 

* Date of charge modification

 

 

CHANGE OF ADDRESS

 

The registered office of the company has been shifted from No.57, Sengupta Street, Ramnagar, Coimbatore – 641009, Tamilnadu, India to the present address w.e.f. 16.09.2009.

 

 

BUSINESS PERFORMANCE

 

1. The Company has demonstrated an excellent performance for the year ended 31 st March 2013, Sales registered an increase of 22% year on year basis .

 

2. By and large all the outfits of the company have seen an overall increase in revenue from operations. Further in the similar way there is an increase in the PAT of the company.

 

3. The profit after taxation stood at Rs.20.858 Millions for the year ended March 2013 as compared to Rs.18.321 Millions for the earlier year ended 31st March 2012

 

4. Prompt, personalized, and professional services, numerous cost effective steps and other strategies on selling of the products and services contributed to the improved performance in terms of both turnover and profit.

 

 

OUTLOOK FOR THE CURRENT YEAR

 

1. With the financial turmoil in the Euro zone continuing and the US economy limping back to recovery, a quick turnaround in export demand looks unlikely.

 

2. Their domestic economy continues to struggle with high inflation and slow growth. factors which are strongly affecting demand for industrial and other consumer goods.

 

3. The Government anticipates that their country's economy would improve from the second half of 2013 through its proposed economic reforms and RBI"s supportive interest rate cuts.

 

4. As has been the practice of the company, it continues to be prudent in its expenditure and will focus on maximizing its share of wallet / market share and efficiency.

 

 

FIXED ASSETS

 

·         Buildings

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.62.32

UK Pound

1

Rs.101.78

Euro

1

Rs.84.68

 

 

INFORMATION DETAILS

 

Information Gathered by :

JML

 

 

Report Prepared by :

MRI

 


 

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

5

--LIQUIDITY

1~10

5

--LEVERAGE

1~10

5

--RESERVES

1~10

5

--CREDIT LINES

1~10

5

--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

DEFAULTER

 

 

--RBI

YES/NO

NO

--EPF

YES/NO

NO

TOTAL

 

46

 

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.