MIRA INFORM REPORT   

 

 

Report Date :

02.01.2014

 

IDENTIFICATION DETAILS

 

Name :

MAHESHWARI LOGISTICS PRIVATE LIMITED

 

 

Registered Office :

239, Panchratna Complex, GIDC, Char Rasta, Vapi – 396195, Gujarat

 

 

Country :

India

 

 

Financials (as on) :

31.03.2012

 

 

Date of Incorporation :

12.10.2006

 

 

Com. Reg. No.:

04-049224

 

 

Capital Investment / Paid-up Capital :

Rs.44.380 Millions

 

 

CIN No.:

[Company Identification No.]

U60232GJ2006PTC049224

 

 

PAN No.:

[Permanent Account No.]

AAECM8332N

 

 

Legal Form :

Private Limited Liability Company

 

 

Line of Business :

Trader and Supplier of Coal, Coke, Lignite and Kraft Paper.

 

 

No. of Employees :

25 (Approximately)

 

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba (42)

 

RATING

STATUS

PROPOSED CREDIT LINE

 

41-55

Ba

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

Satisfactory

 

 

Maximum Credit Limit :

USD 980000

 

 

Status :

Satisfactory

 

 

Payment Behaviour :

Slow but correct

 

 

Litigation :

Clear

 

 

Comments :

Subject is an established company having a satisfactory track record.

 

Management of the company has not filed its latest financial with the government department.

 

As per previous year financial (i.e.2012), The company seems normal for business dealings.

 

Trade relations are reported to be fair. Business is active. Payments are reported to be slow but correct.

 

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

 

NOTES:

 

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

 

 

INDIAN ECONOMIC OVERVIEW

 

India’s current account deficit narrowed in the quarter ended September as government measures to curb imports, especially gold, kicked in.  The current account deficit, the excess of a country’s imports of goods and services over exports, narrowed to $ 5.2 billion from $ 21 billion in the year ago period, according to provisional Reserve Bank of India data. Finance Minister P. Chidambaram said the CAD for the year will be less than $ 60 billion or 3 per cent of GDP and the latest data suggests the government may achieve the target.

 

India was ranked 94th among the world’s most corrupt nations list. Denmark and New Zealand topped as the cleanest while Somalia emerged as the most corrupt.

 

India’s services sector activity witnessed a moderate improvement in November over the previous month, even while indicating the fifth successive monthly contraction, according the HSBC survey.

 

$53 million estimated losses suffered by India due to phishing attacks during the third quarter, according to a study by RSA. India ranks fourth in the list of nations hit by phishing attacks. The US remained at the top of the charts. Phishing is the process of acquiring information such as user names, passwords and credit card details by sending e-mails disguised as official mails.

 

Rs.4080 million worth of mobile-phone-based transactions by July 2013 compared to Rs.260 million in September, 2012, according to Deloitte report. The number of transactions has shot up from 94000 to 701000.

 

India aims to earn Rs.400000 million from the bandwidth auction set for January. The merger and acquisition guidelines, cleared by a group of ministers, will be out before the auction begins so that players can make informed decisions on the auctions.

 

 

EXTERNAL AGENCY RATING

 

Rating Agency Name

ICRA

Rating

Term Loan: BBB-

Rating Explanation

Having moderate degree of safety regarding timely servicing of financial obligation, it carry moderate credit risk.

Date

June, 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.

 

 

INFORMATION PARTED BY

 

Name :

Mr. Jagdish Patel

Designation :

Accountant

Contact No.:

91-260-2431024

Date :

24.07.2013

 

 

LOCATIONS

 

Registered Office :

239, Panchratna Complex, GIDC, Char Rasta, Vapi – 396195, Gujarat, India

Tel. No.:

91-260-2431024

Fax No.:

91-260-2427024

E-Mail :

mbvapi@rediffmail.com

mbvapi@gmail.com

info@mlpl.biz

Website :

http://www.mlpl.biz

Location :

Owned

 

 

Branch Office :

3, Rajesh Appartment,  Behind Navgujarat College, Ashram Road, Ahmedabad – 380014, Gujarat, India

Tel No.:

91-79-26540790

Fax No.:

91-79-27542926

 

 

DIRECTORS

 

(AS ON 29.09.2012)

 

Name :

Mr. Vinay Premnarayan Maheshwari

Designation :

Whole-time Director

Address :

Vapi 201, Mahavir Prakash, Mahavir Nagar, National Highway No.8, Vapi – 396195, Gujarat, India

Date of Birth/Age :

18.12.1978

Date of Appointment :

12.10.2006

DIN No.:

01680099

PAN No.:

ABWPM0867C

 

 

Name :

Mr. Amit Kailashnarayan Maheshwari

Designation :

Whole-time Director

Address :

201, Mahavir Prakash, Mahavir Nagar, National Highway No.8, Vapi – 396195, Gujarat, India

Date of Birth/Age :

22.05.1976

Date of Appointment :

27.11.2007

DIN No.:

01680183

PAN No.:

ABWPM0868P

 

 

Name :

Mrs. Mukta Maheshwari

Designation :

Additional Director

Address :

201, Mahavir Prakash, Mahavir Nagar, National Highway No.8, Vapi – 396195, Gujarat, India

Date of Birth/Age :

30.04.1973

Date of Appointment :

18.05.2012

DIN No.:

01726964

 

 

Name :

Mrs. Mayadevi Krishnaawtar Kabra

Designation :

Director

Address :

T 4A, Shantinagar Society, Usmanpura, Ahmedabad – 380013, Gujarat, India

Date of Birth/Age :

23.07.1956

Date of Appointment :

15.07.2008

DIN No.:

02226124

PAN No.:

ADIPK7306A

 

 

Name :

Mr. Varun Krishnavtar Kabra

Designation :

Director

Address :

T 4A, Shantinagar Society, Usmanpura, Ahmedabad – 380013, Gujarat, India

Date of Birth/Age :

09.03.1986

Date of Appointment :

01.09.2009

DIN No.:

02760600

PAN No.:

AMLPK1507F

 

 

KEY EXECUTIVES

 

Name :

Mr. Jagdish Patel

Designation :

Accountant

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

(AS ON 29.09.2012)

 

Names of Shareholders

 

 

No. of Shares

 

 

 

Neerajkumar P. Maheshwari

 

200000

Vinay P. Maheshwari

 

517500

Amit K. Maheshwari

 

480000

Dineshkumar S. Maheshwari

 

30000

Manju A. Maheshwari

 

37500

Premnarayan L. Maheshwari

 

30000

Radhadevi P. Maheshwari

 

30000

Seema D. Maheshwari

 

30000

Kailash S. Kabra

 

125000

Varun Kabra

 

550000

Rachana A. Maheshwari

 

30000

Arihant Avenue and Credit Limited

 

250000

Maya Texturisers Private Limited

 

500000

Mukta N. Maheshwari

 

1150000

Mayadcvi Kabra

 

300000

Jagannath R. Kabra

 

100000

Maheshwari InfoTech Private Limited

 

78000

 

 

 

Total

 

 

4438000

 

 

(AS ON 30.09.2012)

Equity Shares Break – up

 

Category

 

 

Percentage

 

 

 

Bodies corporate

 

18.65

Directors or relatives of directors

 

81.35

 

 

 

Total

 

 

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Trader and Supplier of Coal, Coke, Lignite and Kraft Paper.

 

 

Imports :

 

Products :

Coal

Countries :

·         Singapore

·         Malaysia

·         Indonesia

 

 

Terms :

 

Selling :

Cash / Credit

 

 

Purchasing :

Cash / Credit

 

 

GENERAL INFORMATION

 

Suppliers :

·         Agarwal Coal Corporation

·         Adani Industries

 

 

Customers :

Wholesalers

 

·         Arihant Coke Industries Limited, Gandhidham

·         Best Paper Mills Limited, Vapi

·         Damanganga Board Mills Private Limited, Vapi

·         Gayatrishakti Paper Mills Limited, Vapi

·         Gujrat NRE Coke Limited, Jamnagar - Gandhidham

·         Hindustan Zinc Limited, Udaipur

·         Jaypee Gujarat Cement Plant - Vayor

·         JSL Limited, Hisar

·         N. R. Agarwal Group of Industries, Vapi

·         NSL Limited, Guntoor

·         Prince Plastic Limited, Mumbai

·         Rainbow Papers Limited, Ahmedabad

·         Ruby Macons Limited, Vapi

·         Shah Group of Industries, Vapi

·         Shree Cement Limited, Rass

·         Sona Alloys Limited, Lonanad, Satara

·         Saurashtra Fuels Limited, Mahashakti Coke, Gandhidham

·         Tata Metaliks Limited, Redi

·         Ultratech Cement Limited, Unit Birla White Kharia, Jodhpur

·         Ultratech Cement Limited, Unit Vikram Cement Neemuch

·         Ultratech Cement Limited, Unit Aditya Cement Shambhupura

·         Ultratech Cement Limited, Unit Grasim Cement Kotputli

·         Ultratech Cement Limited, Unit Gujarat Cement

·         Ultratech Cement Limited, Unit Narmada Cement

 

 

No. of Employees :

25 (Approximately)

 

 

Bankers :

·         State Bank of India, Mid Corporate Branch, ground Floor, Via House, GIDC, Vapi – 396195, Gujarat, India

 

·         Indian Overseas Bank, Kanta Trade Centre, Near GIDC Char Rasta, Vapi – 396195, Gujarat, India 

 

 

Facilities :

Secured Loans

31.03.2012

31.03.2011

 

 

(Rs. In Millions)

Long Term Borrowings

 

 

Loan Taken for Vehicles

(Against Hypothecation of Cars and Trucks) 

82.133

127.241

Short Term Borrowings

 

 

Working capital loans from banks

(This credit Facility are secured by hypothecation of entire current assets (present and future) of the company consisting of inventory and books debts, against first charge on entire fixed assets of company, against the immovable properties of Directors and their relatives (as collateral security) and by the guarantees of director and their relatives)

236.757

147.683

 

 

 

Total

 

318.890

274.924

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

Kakaria and Associates

Chartered Accountants

Address :

"Kakaria's Excellenza" Royal Fortune Complex, Daman Road, Chala, Vapi-396191, Gujarat, India

PAN No.:

AAHFK2571P

 

 

Enterprise owned by the Key Management Personnel :

·         Mahesh Roadways

·         Maheshwari Brothers

·         Maheshwari Coal Corporation

·         Star Developers

·         Kailash Associates

·         Maheshwari Infotech Private Limited

·         Maya Texturisers Private Limited

 

 

CAPITAL STRUCTURE

 

(AS ON 29.09.2012)

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

10000000

Equity Shares

Rs.10/- each

Rs.100.000 Millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

4438000

Equity Shares

Rs.10/- each

Rs.44.380 Millions

 

 

 

 

 

 


 

FINANCIAL DATA

[all figures are in Rupees Millions]

 

ABRIDGED BALANCE SHEET

 

SOURCES OF FUNDS

 

 

31.03.2012

31.03.2011

I.        EQUITY AND LIABILITIES

 

 

 

(1)Shareholders' Funds

 

 

 

(a) Share Capital

 

44.380

2.997

(b) Reserves & Surplus

 

200.196

146.703

(c) Money received against share warrants

 

0.000

0.000

 

 

 

 

(2) Share Application money pending allotment

 

0.000

0.000

Total Shareholders’ Funds (1)+(2)

 

244.576

149.700

 

 

 

 

(3) Non-Current Liabilities

 

 

 

(a) long-term borrowings

 

82.133

127.241

(b) Deferred tax liabilities (Net)

 

0.220

4.449

(c) Other long term liabilities

 

0.000

0.000

(d) long-term provisions

 

0.094

0.000

Total Non-current Liabilities (3)

 

82.447

131.690

 

 

 

 

(4) Current Liabilities

 

 

 

(a) Short term borrowings

 

270.490

176.272

(b) Trade payables

 

267.138

183.886

(c) Other current liabilities

 

61.909

57.889

(d) Short-term provisions

 

19.382

8.932

Total Current Liabilities (4)

 

618.919

426.979

 

 

 

 

TOTAL

 

945.942

708.369

 

 

 

 

II.    ASSETS

 

 

 

(1) Non-current assets

 

 

 

(a) Fixed Assets

 

 

 

(i) Tangible assets

 

137.344

171.001

(ii) Intangible Assets

 

0.000

0.000

(iii) Capital work-in-progress

 

26.889

10.672

(iv) Intangible assets under development

 

0.000

0.000

(b) Non-current Investments

 

0.000

0.000

(c) Deferred tax assets (net)

 

0.000

0.000

(d)  Long-term Loan and Advances

 

1.417

1.420

(e) Other Non-current assets

 

2.780

1.135

Total Non-Current Assets

 

168.430

184.228

 

 

 

 

(2) Current assets

 

 

 

(a) Current investments

 

0.000

0.000

(b) Inventories

 

41.864

61.709

(c) Trade receivables

 

623.817

407.265

(d) Cash and cash equivalents

 

80.743

29.754

(e) Short-term loans and advances

 

19.175

19.314

(f) Other current assets

 

11.913

6.099

Total Current Assets

 

777.512

524.141

 

 

 

 

TOTAL

 

945.942

708.369

 

 

 


 

SOURCES OF FUNDS

 

 

 

31.03.2010

SHAREHOLDERS FUNDS

 

 

 

1] Share Capital

 

 

2.397

2] Share Application Money

 

 

10.000

3] Reserves & Surplus

 

 

105.127

4] (Accumulated Losses)

 

 

0.000

NETWORTH

 

 

117.524

LOAN FUNDS

 

 

 

1] Secured Loans

 

 

217.736

2] Unsecured Loans

 

 

40.583

TOTAL BORROWING

 

 

258.319

DEFERRED TAX LIABILITIES

 

 

3.662

 

 

 

 

TOTAL

 

 

379.505

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

 

 

139.571

Capital work-in-progress

 

 

0.000

 

 

 

 

INVESTMENT

 

 

0.000

DEFERREX TAX ASSETS

 

 

0.000

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

 

 

20.605

 

Sundry Debtors

 

 

266.333

 

Cash & Bank Balances

 

 

9.061

 

Other Current Assets

 

 

0.000

 

Loans & Advances

 

 

45.993

Total Current Assets

 

 

341.992

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Sundry Creditor

 

 

66.772

 

Other Current Liabilities

 

 

31.619

 

Provisions

 

 

3.676

Total Current Liabilities

 

 

102.067

Net Current Assets

 

 

239.925

 

 

 

 

MISCELLANEOUS EXPENSES

 

 

0.009

 

 

 

 

TOTAL

 

 

379.505

 

 


PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

 

31.03.2012

31.03.2011

31.03.2010

 

SALES

 

 

 

 

 

TOTAL                                    

3268.354

2043.469

1072.299

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

TOTAL                        

3245.946

2022.237

1060.547

 

 

 

 

 

 

PROFIT BEFORE TAX

22.408

21.232

11.752

 

 

 

 

 

Less

TAX                                         

8.119

9.056

4.054

 

 

 

 

 

 

PROFIT AFTER TAX

14.289

12.176

7.698

 

 

 

 

 

 

Earnings Per Share (Rs.)

3.73

55.61

31.93

 

 

Particulars

 

 

 

31.03.2013

Sales Turnover (Approximately)

 

 

3550.000

 

Expected Sales (2013-14) : Rs.4000.000 Millions

 

The above information has been parted by Mr. Jagdish Patel.

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2012

31.03.2011

31.03.2010

PAT / Total Income

(%)

0.44

0.60

0.72

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

2.44

3.04

2.44

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

0.09

0.14

0.10

 

 

 

 

 

Debt Equity Ratio

(Total Debt/Networth)

 

1.44

2.03

2.20

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

1.26

1.23

3.35

 


 

LOCAL AGENCY FURTHER INFORMATION

 

CURRENT MATURITY OF LONG TERM BORROWINGS DETAIL:

 

Particulars

31.03.2012

31.03.2011

31.03.2010

 

 

(Rs. In Millions)

 

 

 

 

Current Maturity of Long Term Borrowings

59.556

57.392

NA

 

 

 

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

Yes

18]

Major customers

Yes

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

Yes

33]

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

No

34]

External Agency Rating, if available

Yes

 


UNSECURED LOANS

 

Particulars

31.03.2012

31.03.2011

 

 

(Rs. In Millions)

Short Term Borrowings

 

 

Loans and advances from others

 

33.733

28.589

 

 

 

Total

 

33.733

28.589

 

 

OPERATIONS

 

During the year, the performance of the company is outstanding. The net profit of the company after taxation has increased to Rs.14.289 Millions as compared to Rs.12.176 Millions in the previous year. While the turnover of the Company has increased by more than One billion i.e Rs.3268.354 Millions as compared to Rs.2043.469 Millions in the previous year. The Directors are striving hard by making more sincere efforts for better growth and prospects of the Company in future and to yield better returns for the members of the company.

 

 

BUSINESS ACTIVITIES

 

The Company is formed with the main object to do the business of Carriers/transporters, dealing in Papers, Board, M.G. Craft Paper, Waste Paper, Craft Paper, Writing Papers and all other Papers and Dealing in Coal and Lignite, etc. etc.

 

For this purpose the company has three Divisions Transport Divisions, Trade Division and Coal division. The Company has carried on transportation business in the name of Maheshwari Logistics and the business of trading in Coal, Kraft Paper, Lignite in the name of Maheshwari Trades" and during the year company has started "Coal Division" for the purpose of trading in coal.

 

 

CONTINGENT LIABILITY

 

Particulars

31.03.2012

31.03.2011

 

 

(Rs. In Millions)

 

 

 

Bills Discounted

27.431

11.394

Bank Guarantees

3.000

2.500

 

 

 

INDEX OF CHARGES

 

S.

No.

Charge ID

Date of Charge Creation/Modification

Charge amount secured

Charge Holder

Address

Service Request Number (SRN)

1

10321412

12/11/2012 *

564,200,000.00

STATE BANK OF INDIA

MID CORPORATE BRANCH, VAPI, GUJARAT - 396195, INDIA

B63697924

2

10319775

20/04/2011

1,250,000.00

STATE BANK OF INDIA

SPECIALSED COMMERCIAL BRANCH, VIA HOUSE, GROUND FLOOR, VIA CHAR RASTA, GIDC, VAPI, GUJARAT – 396195, INDIA

B16284671

3

10284199

25/08/2011 *

390,500,000.00

STATE BANK OF INDIA

MID CORPORATE BRANCH, GROUND FLOOR VIA HOUSE, G.I D.C., VAPI, GUJARAT - 396195, INDIA

B32487266

4

10283877

12/11/2012 *

564,200,000.00

STATE BANK OF INDIA

MID CORPORATE BRANCH,, GROUND FLOOR VIA HOUSE, G.I.D.C., VAPI, GUJARAT - 396195, INDIA

B63697098

5

10319774

28/02/2011

1,100,000.00

STATE BANK OF INDIA

SPECIALSED COMMERCIAL BRANCH, VIA HOUSE, GROUND FLOOR, VIA CHAR RASTA, GIDC, VAPI, GUJARAT - 396195, INDIA

B17099466

6

10229629

02/06/2010

90,400,000.00

STATE BANK OF INDIA

SPECIALISED COMMERCIAL BRANCH, VAPI, VAPI, GUJARAT - 396195, INDIA

A90074113

7

10162308

01/06/2009

100,000,000.00

STATE BANK OF INDIA

SPECIALISED COMMERCIAL BRANCH, VAPI, VAPI, GUJARAT - 396195, INDIA

A63990683

8

10071236

27/09/2007

12,600,000.00

PUNJAB NATIONAL BANK

GIDC BRANCH, VAPI, GUJARAT - 396195, INDIA

A25056276

 

 

TRADE REFERENCES

 

·         Agarwal Coal Corporation

·         Adani Industries

·         Arihant Coke Industries Limited, Gandhidham

 

 

FIXED ASSETS:

 

·         Land

·         Building

·         Factory Equipments

·         Plant Equipments

·         Furniture and Fixtures

·         Vehicles

·         Motor 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 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.61.93

UK Pound

1

Rs.102.39

Euro

1

Rs.85.12

 

 

INFORMATION DETAILS

 

Information Gathered by :

HET

 

 

Report Prepared by :

NTH

 


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

5

PAID-UP CAPITAL

1~10

5

OPERATING SCALE

1~10

4

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

5

--PROFITABILIRY

1~10

4

--LIQUIDITY

1~10

5

--LEVERAGE

1~10

5

--RESERVES

1~10

5

--CREDIT LINES

1~10

4

--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

 

42

 

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.