MIRA INFORM REPORT

 

 

Report Date :

02.01.2014

 

IDENTIFICATION DETAILS

 

Name :

SREE JAYAJOTHI CEMENTS LIMITED

 

 

Registered Office :

No.18/3, Rukmini Lakshmipathi Road, Egmore, Chennai – 600008, Tamilnadu

 

 

Country :

India

 

 

Financials (as on) :

31.03.2013

 

 

Date of Incorporation :

12.12.2006

 

 

Com. Reg. No.:

18-061729

 

 

Capital Investment / Paid-up Capital :

Rs.5235.113 Millions

 

 

CIN No.:

[Company Identification No.]

U02695TN2006PLC061729

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

CHES27400C

 

 

PAN No.:

[Permanent Account No.]

AAKCS4185M

 

 

Legal Form :

A Closely Held Public Limited Liability Company

 

 

Line of Business :

Manufacturer of Cement.

 

 

No. of Employees :

Not Available

 

 

RATING & COMMENTS

 

MIRA’s Rating :

C

 

RATING

STATUS

PROPOSED CREDIT LINE

<10

C

Absolute credit risk exists. Caution needed to be exercised

Credit not recommended

 

Status :

Sick company

 

 

Payment Behaviour :

Slow and Delayed

 

 

Litigation :

Clear

 

 

Comments :

Subject is declared as a sick company under section 3(1) (O) of sick industrial companies (special provisions) act 1985.

 

As accumulated losses has exceeded its net worth, company has become sick company under SICA 1985 and accordingly application has made to BIFR for determination of remedial measures for revival of the company after approval of shareholders of the company.

 

Business is active. Payment terms are slow and delayed.

 

The company can be considered for business dealings on a fully secured trade terms and condition.

 

NOTES :

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

 

 

ECGC Country Risk Classification List – September 30, 2013

 

Country Name

Previous Rating

(30.06.2013)

Current Rating

(30.09.2013)

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

 

Uptick in agriculture and construction spread some cheer as the economy grew a higher-than-expected 4.8 % in the three months through September. Manufacturing rose an annual rate per cent during the quarter and mining fell by 0.4 %, government data showed while farm output rose 46%.

 

India has emerged as the most attractive investment destination, thanks to a relaxation in foreign direct investment norms, says a report. India is followed by Brazil and China in the ranking part of EY’s Capital Confidence Barometer report based on a survey across 70 nations. The US, France and Japan have emerged as the top three investors likely to invest in India.

 

India has been ranked 83rd globally in terms of talent competitiveness of its human capital.  Switzerland, Singapore, Denmark, Sweden and Luxembourg are the top five in the list of 103 nations compiled by INSEAD business school.

 

Tax rates for companies in India are among the highest in the world and the number of payments is also more than the global average putting the country at low, 158th rank on the Paying Taxes. 2014 list by the World Bank and PWC. However, the time taken for tax payments is relatively less in India which is rated ahead of China and Japan.

 

1 billion smartphone shipments in 2013, a 39.3 % growth over 2012. This was being driven by low cost computing in emerging markets. By 2017, total smartphone shipments are expected to approach 1.7 billion units, resulting in a compound annual growth rate of 18.4 % between 2013 and 2017, according to research from IDC.

 

20 % vacancy rate of office space in Mumbai and Delhi in the third quarter, the highest in Asia after Chengdu, in China. According to Cushman and Wakefield, six Indian cities are among the 10 office markets with the worst vacancies.

 

Foreign banks will not have to pay stamp duty and capital gains tax, if they convert their branch operations into a wholly owned subsidiary, according to the Reserve Bank of India.

 

The Reserve Bank of India is planning to launch CPI – indexed bonds aimed to protecting the savings of retail investors from the impact the price rise by December end.

 

Central Bureau of Investigation has booked State Bank of India, Deputy Managing Director Shyamal Acharya and others in a graft case related to distribution of a loan of over Rs 4000 mn. Gold and jewellery  worth Rs 6.7 mn have been recovered from the residence of Acharya.

 

 

EXTERNAL AGENCY RATING

 

Rating Agency Name

CARE

Rating

Long term senior facilities D

Rating Explanation

Lowest credit quality and very low prospects of recovery

Date

April 16, 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 :

No.18/3, Rukmini Lakshmipathi Road, Egmore, Chennai – 600008, Tamilnadu, India 

Tel. No. :

91-44-40406373

Fax No. :

91-44-43506171

E-Mail :

sjcl@sreejayajothicements.com

Website :

www.jayajothicements.com

 

 

Corporate Office1 :

Sree Jayajothi Cements Limited, # 7th Floor, KRD Gee Crystal, 91 and 92, Dr. Radhakrishnan Salai,Mylapore, CHENNAI - 600 004, Tamilnadu, India

Tel. No. :

91- 44 - 40406373

Fax No. :

91- 44 - 43506171

E-Mail :

 

 

 

Corporate Office 2 :

9th Floor, Block 3, My Home Hub, Madhapur, Hyderabad – 500081, Andhra Pradesh, India

 

 

Factory :

Sathu Ramasamy Nagar, Yanakandala village - 518 124, Banaganapalli Mandal, Kurnool District,  Andhra Pradesh, India

Tel. No. :

91- 8515 - 200505

Fax No. :

91- 8515 - 200507

 

 

DIRECTORS

 

As on 14.08.2013

 

Name :

Mr. Gokul Kannan

Designation :

Director

Address :

186, Avvai Shanmugam salai Gopalapuram, Chennai – 600086, Tamilnadu, India

Date of Birth/Age :

12.09.1981

Date of Appointment :

12.12.2006

DIN No. :

00391940

 

 

Name :

Mr. Ramasamy Naicker Kannan

Designation :

Director

Address :

186, Avvai Shanmugam salai Gopalapuram, Chennai – 600086, Tamilnadu, India

Date of Birth/Age :

09.08.1956

Date of Appointment :

12.12.2006

DIN No. :

00356817

 

 

Name :

Padmanabhan Krishnamurthy

Designation :

Director

Address :

Flat 1B, Suvarna Lok, Old No. 19, New No. 34, Malony Road, T Nagar, Chennai – 600017, Tamilnadu, India

Date of Birth/Age :

30.04.1946

Date of Appointment :

31.08.2012

DIN No. :

03394514

 

 

Name :

Thyagarajan Padmanabhan

Designation :

Director

Address :

Flat no. 2-A, Jamal Masila, III Am, No. 162, Rangarajapuram Main Road, Kodambakkam, Chennai – 600024, Tamilnadu, India

Date of Birth/Age :

23.04.1951

Date of Appointment :

22.05.2012

DIN No. :

03468224

 

 

Name :

Mr. Ravindra Pal Singh

Designation :

Managing Director

Address :

Flat No. D 112, Jayabheri Orange Country, Nanakramguda Financial District, Near Wipro Circle, Gachibowli, Hyderabad – 500032, Andhra Pradesh, India

Date of Birth/Age :

01.07.1955

Date of Appointment :

29.11.2013

DIN No. :

06444933

 

 

KEY EXECUTIVES

 

Name :

Mr. Balaji Srinivasan

Designation :

Secretary

Address :

6/14, Muneeswar Niwsa, Arulambal Stree, T. Nagar, Chennai – 600017, Tamilnadu, India

Date of Birth/Age :

09.11.1963

Date of Appointment :

01.09.2007

PAN No.:

AIQPS4015D

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

As on 14.08.2013

 

Names of Shareholders

No. of Shares

T. R. Kannan

29604000

Krishnanveni Kannan

10305300

K. Gokul

10260800

Jayajothi and Company Limited, India

18228136

Ayalakshmi Textliles Private limited, India

19972122

Jayajothi Power

35182300

Divyalakshmi Textiles Private Limited, India

5050000

Venkatachalapathy

21922494

Santee Auto

5757981

Internitco.

330205

Manoj Kedia

100000

P. Lohanatha Raju

500

K. G. Parthasarthy

500

Rajiv parthasarathy

500

P. Mahalakshmi

500

A.S. Venkhat Ramani

1500000

Shriram EPC Limited, India

98554535

T. R. Varadarajan

1042781

V. Ramkuar

4406416

V. Venkatalakshmi

3000000

V. Champakadevi

1794117

Spark Environmental Technology Limited, India

256455645

Krishna Devi Pramod Agarwal

42500

 

 

Total

523511332

 

 

As on 14.08.2013

 

Equity Share Break up (Percentage of Total Equity)

 

Category

Percentage of Holding

Foreign holdings( Foreign institutional investor(s), Foreign companie(s) Foreign financial institution(s), Non-resident Indian(s) or Overseas Corporate bodies or Others

1.16

Bodies corporate

86.98

Directors or relatives of Directors

10.13

Other top fifty shareholders

1.73

Total

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Manufacturer of Cement.

 

 

Products :

Item Code No. (ITC Code)

Product Description

68101990

Cement

 

 

GENERAL INFORMATION

 

No. of Employees :

Not Available

 

 

Bankers :

·         Indian Overseas Bank, Esplanade Branch, Chennai House, 7esplanade, Chennai - 600108, Tamilnadu, India

·         Central Bank Of India, Industrial Finance Branch, 48/49 Montieth Road, Egmore, Chennai - 600008, Tamilnadu, India

·         Indian Bank Harbour Branch, 66 Rajaji Salai, Chennai - 600001, Tamil Nadu, India

·         Punjab National Bank 774, Oppanakara Street, Coimbatore, Chennai - 641001, Tamilnadu, India

 

 

Facilities :

SECURED LOANS

31.03.2013

(Rs. in Millions)

31.03.2012

(Rs. in Millions)

LONG TERM BORROWINGS

 

 

Rupee term loan from banks

4304.522

5046.966

 

 

 

SHORT TERM BORROWINGS

 

 

Working capital loans from bank

1014.667

614.572

Loans repayable on demand

1783.553

1118.512

 

 

 

Total

7102.742

6780.050

 

Banking Relations :

--

 

 

Auditors :

 

Name :

Krishnan and Raman

Chartered Accountants

Address :

No 42, Sevalpatti, South Street, Rajapalayam – 626117, Tamilnadu, India

PAN No.:

AAIFK1850P

 

 

Associates :

Ø       Sri Jayajothi  and Company Limited

CIN No.: U51102TN1981PLC008702

Ø       Jayalakshmi Textiles Private Limited

CIN No.: U17111TN1995PTC032148

Ø       Divyalakshmi Textiles Private Limited

CIN No.: U17112TN2005PTC055700

Ø       Sri Jayajothi Power Management Company Private Limited

CIN No.: U40101TN2002PTC049988

Ø       Kovilpatti Steel Rolling Industries Private Limited

CIN No.: U27104TN1961PTC004402

Ø       Shriram EPC Limited

CIN No.: L74210TN2000PLC045167

Ø       Shriram Value Services Private Limited

CIN No.: U63090TN1995PTC033513

Ø       Shriram Distribution Services Private Limited

CIN No.: U74999TN2009PTC071206

 

 

CAPITAL STRUCTURE

 

As on 31.03.2013

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

525000000

Equity Shares

Rs.10/- each

Rs.5250.000 Millions

5500

Preferences Shares

Rs.100000/- each

Rs. 550.000 Millions

 

 

 

 

 

Total

 

Rs.5800.000 Millions

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

523511332

Equity Shares

Rs.10/- each

Rs.5235.113 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

5235.113

2147.111

2029.836

(b) Reserves & Surplus

(5241.326)

(3143.451)

(1286.735)

(c) Money received against share warrants

0.000

0.000

0.000

 

 

 

 

(2) Share Application money pending allotment

0.000

5.000

122.275

Total Shareholders’ Funds (1) + (2)

(6.213)

(991.340)

865.376

 

 

 

 

(3) Non-Current Liabilities

 

 

 

(a) long-term borrowings

4366.243

5119.061

7087.621

(b) Deferred tax liabilities (Net)

936.218

684.022

376.794

(c) Other long term liabilities

3212.736

2485.891

142.944

(d) long-term provisions

15.236

12.919

6.065

Total Non-current Liabilities (3)

8530.433

8301.893

7613.424

 

 

 

 

(4) Current Liabilities

 

 

 

(a) Short term borrowings

2798.220

1733.084

556.318

(b) Trade payables

612.729

669.947

3510.226

(c) Other current liabilities

381.875

3161.519

69.579

(d) Short-term provisions

328.935

0.799

0.498

Total Current Liabilities (4)

4121.759

5565.349

4136.621

 

 

 

 

TOTAL

12645.979

12875.902

12615.421

 

 

 

 

II.      ASSETS

 

 

 

(1) Non-current assets

 

 

 

(a) Fixed Assets

 

 

 

(i) Tangible assets

10959.761

11303.006

10942.982

(ii) Intangible Assets

0.000

0.000

0.000

(iii) Capital work-in-progress

0.000

40.716

352.564

(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

0.000

0.000

0.000

(e) Other Non-current assets

74.131

60.567

2.139

Total Non-Current Assets

11033.892

11404.289

11297.685

 

 

 

 

(2) Current assets

 

 

 

(a) Current investments

0.000

0.000

0.000

(b) Inventories

670.462

648.784

336.273

(c) Trade receivables

342.923

105.497

52.926

(d) Cash and cash equivalents

52.919

65.918

57.749

(e) Short-term loans and advances

403.805

505.737

823.727

(f) Other current assets

141.978

145.677

47.061

Total Current Assets

1612.087

1471.613

1317.736

 

 

 

 

TOTAL

12645.979

12875.902

12615.421

 

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

31.03.2013

31.03.2012

31.03.2011

 

SALES

 

 

 

 

 

Income

4414.338

4430.416

1366.807

 

 

Other Income

11.535

95.690

64.040

 

 

TOTAL                                    

4425.873

4526.106

1430.847

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Cost of materials consumed

687.269

727.034

760.650

 

 

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

(103.998)

105.532

(142.686)

 

 

Employee benefit expense

167.459

95.199

59.823

 

 

Other expenses

3495.664

3286.320

866.404

 

 

Exceptional Item

5.117

0.000

0.000

 

 

TOTAL                                    

4251.511

4214.085

1544.191

 

 

 

 

 

 

PROFIT/ (LOSS)  BEFORE INTEREST, TAX, DEPRECIATION AND AMORTISATION

174.362

312.021

(113.344)

 

 

 

 

 

Less

FINANCIAL EXPENSES                        

1289.393

1233.649

642.717

 

 

 

 

 

 

PROFIT / (LOSS) BEFORE TAX, DEPRECIATION AND AMORTISATION

(1115.031)

(921.628)

(756.061)

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION        

659.649

627.860

386.526

 

 

 

 

 

 

PROFIT/ (LOSS)  BEFORE TAX 

(1774.680)

(1549.488)

(1142.587)

 

 

 

 

 

Less

TAX                                                                 

252.195

307.228

376.928

 

 

 

 

 

 

PROFIT/ (LOSS)  AFTER TAX

(2026.875)

(1856.716)

(1519.515)

 

 

 

 

 

 

Earnings / (Loss) Per Share (Rs.)

(3.87)

(10.70)

(2.90)

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2013

31.03.2012

31.03.2011

PAT / Total Income

(%)

(45.80)

(41.02)

(106.20)

 

 

 

 

 

Net Profit Margin

(PBT/Sales)

(%)

(40.20)

(34.97)

(83.59)

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

(14.03)

(12.07)

(9.31)

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

285.64

1.56

(1.32)

 

 

 

 

 

Debt Equity Ratio

(Total Debt/Networth)

 

(1153.14)

(6.91)

8.83

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

0.39

0.26

0.32

 

 

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

No

33]

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

No

34]

External Agency Rating, if available

Yes

 

NOTE:

 

The registered office of the company has been shifted from Old No.23, New No. 47, Fourth Avenue, Ashok Nagar Chennai - 600083, Tamilnadu, India to the present address w.e.f. 17.10.2013

 

 

UNSECURED LOANS

 

PARTICULAR

31.03.2013

(Rs. in Millions)

31.03.2012

(Rs. in Millions)

LONG TERM BORROWINGS

 

 

Deposits

61.721

72.095

 

 

 

Total

61.721

72.095

 

 

INDEX OF CHARGES

 

S.No.

Charge ID

Date of Charge Creation/Modification

Charge amount secured

Charge Holder

Address

Service Request Number (SRN)

1

10453390

21/09/2013

2,000,000,000.00

Axis Bank Limited

CORPORATE BANKING BRANCH, GROUND FLOOR, KARUMUTHU NILAYAM.192 ANNA SALAI, CHENNAI, Tamil Nadu - 600002, INDIA

B86811262

2

10447569

26/08/2013

1,191,500,000.00

INDIAN BANK

HARBOUR BRANCH, 66 RAJAJI SALAI., CHENNAI, Tamil Nadu - 600001, INDIA

B84291921

3

10393524

19/12/2012

1,900,000,000.00

INDIAN BANK

HARBOUR BRANCH, 66 RAJAJI SALAI, CHENNAI, Tamil N adu - 600001, INDIA

B64728249

4

10307548

16/03/2012 *

1,450,000,000.00

INDIAN BANK

HARBOUR BRANCH, 66 RAJAJI SALAI., CHENNAI, Tamil Nadu - 600001, INDIA

B37702222

5

10301880

10/08/2011

5,032,100,000.00

Shriram EPC Limited

4th Floor, Sigappi Achi Building,, Door.No: 18/3
Rukmini Lakshminpathi Road, Egmore,, Chennai, Tami
l Nadu - 600008, INDIA

B18693952

6

10182669

27/10/2009 *

900,000,000.00

INDIAN BANK

HARBOUR BRANCH., 66 RAJAJI SALAI, CHENNAI, Tamil Nadu  600001, INDIA

A72686546

7

10177950

27/10/2009 *

806,400,000.00

INDIAN BANK

HARBOUR BRANCH., 66 RAJAJI SALAI, CHENNAI, Tamil Nadu- 600001, INDIA

A72565823

8

10086034

03/06/2008 *

4,490,000,000.00

INDIAN BANK

66 RAJAJI SALAI, HARBOUR BRANCH, CHENNAI, Tamil Nadu - 600001, INDIA

A39437918

 

* Date of charge modification

 

 

FUTURE OUTLOOK

 

The cement industry is under a difficult phase as there is excess capacity compare to the demand, because of which the capacity utilization of the industry is about 65% in the country.

 

The management is making sincere efforts to increase the production by arranging the necessary finances for day to day operations of the company. As the plant located in southern region of Andhra Pradesh, which is historically a good region for better price realization and also the cement can be also in the states of Tamil Nadu, Karnataka, Kerala and nearby Regions. The management is the process of strengthen the marketing team and trying got improve the brand image by giving advertisement about the product.

 

Keeping in view the above efforts being made your directors are of the opinion that the performance of the company is expected to improve in the next two to three years.

 

 

FIXED ASSETS

 

Ø       Land

Ø       Buildings

Ø       Plant and equipment

Ø       Furniture and fixtures

Ø       Vehicles

Ø       Office equipment

 

 


 

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.61.93

UK Pound

1

Rs.102.39

Euro

1

Rs.85.12

 

 

INFORMATION DETAILS

 

Report Prepared by :

ANK

 


 

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.