MIRA INFORM REPORT

 

 

Report Date :

06.01.2014

 

IDENTIFICATION DETAILS

 

Name : 

ENDRESS + HAUSER (INDIA) PRIVATE LIMITED (w.e.f. 30.07.2010)

 

 

Formerly Known As :

ENDRESS AND HAUSER (INDIA) PRIVATE LIMITED

 

 

Registered Office :

5th Floor, Raj Plaza, A and B Wing, L.B.S. Marg, Vikhroli West, Mumbai – 400083, Maharashtra

 

 

Country :

India

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

07.09.1999

 

 

Com. Reg. No.:

11-121643

 

 

Capital Investment / Paid-up Capital :

Rs.201.476 Millions

 

 

CIN No.:

[Company Identification No.]

U24110MH1999PTC121643

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

MUME03386F

 

 

PAN No.:

[Permanent Account No.]

AAACE5283C

 

 

Legal Form :

Private Limited Liability Company

 

 

Line of Business :

Sale and marketing of measuring instrument.

 

 

No. of Employees :

170 (Approximately)_

 

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba (50)

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

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

Satisfactory

 

Maximum Credit Limit :

USD 1378000

 

 

Status :

Satisfactory

 

 

Payment Behaviour :

Usually Correct

 

 

Litigation :

Clear

 

 

Comments :

Subject is a subsidiary of Endress + Hauser (International) Holding AG, Switzerland. It is an established company having satisfactory track record.

 

The management has seen an improvement in its sales volume during December 2012.

 

Financial as well as liquidity position appears to be decent marked by no external borrowing recorded in the books.

 

Trade relations are fair. Business is active. Payment terms are reported as usually correct.

 

In view of technological and financial support from its parent company, the subject can be considered 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

 

The current downturn provides an opportunity to push ahead with reforms to accelerate growth, says the latest India Development Update report released by the World Bank. The report says that the adverse effects of rupee depreciation are likely to be offset by the gains in the exports performance due to improved external competitiveness. Since May this year, the local currency has depreciated substantially and fell to a record level of Rs 68.85 to a dollar on August, 28.

 

A stagflation like situation appears to have arisen as inflation jumped to an eight month high of 6.46 % for the month of September. It is up from 6.10 % in August. Growth continues to be muted with factory output plunging to 0.6 % in August. Onion prices have risen nearly 300 % from last September. Vegetables cost nearly 90 % more than they did last year. Wake up to the economic contribution of slum dwellers. They contribute more than 7.5 % to the country’s gross domestic product, according to a recent study conducted in 50 top cities.

 

136000 estimated number of jobs created during the second quarter of the current financial year. 50000 estimated number of additional jobs in the field of corporate social responsibility in the coming years.

 

The International Finance Corporation expects to come out with its rupee linked bonds issue before the end of 2013 as a part of its plan to raise $ 1 billion. The Apple iPhone 5c (Rs 41900 for 16 GB variant) and 5s (Rs 53500 for 16GB variant) has been launched in India from 1st November.

 

The Land Acquisition Act to provide just and fair compensation to farmers will come into force from January 1 next year, said Rural Development Minister Jairam Ramesh. The Act replaces a 119 year old registration. The Securities and Exchange Board of India has approved the trading of currency futures on the Bombay Stock Exchange. The exchange plans to launch the currency futures platform with advanced trading technology by the end of November.

 

 

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 :

Ms. Sonel Shah

Designation :

Accounts Department

Contact No.:

91-22-66481111

Date :

06.01.2014

 


 

LOCATIONS

 

Registered Office / Head Quarter :

5th Floor, Raj Plaza, A and B Wing, L.B.S. Marg, Vikhroli West, Mumbai – 400083, Maharashtra, India

Tel. No.:

91-22-66481111 / 66481272

Fax No.:

91-22-66481111/66938330

E-Mail :

info@in.endress.com

Website :

http://endress.com

www.in.endress.com

Location :

Owned

 

 

National Warehouse / National Service Centre / Manufacturing Centre :

Ware House N0. A-4, Acorn Warehouse and Logistic Park, At Dive Anjur Village

OPP. Dive Petrol Pump, Mumbai Nasik Highway, Bhiwandi, Thane – 421302, Maharastra, India

E-Mail :

dattaprasad.natekar@in.endress.com

 

 

Branch Offices / Regional Offices  :

Located At:

 

·         Baroda

·         Chennai

·         Kolkata

·         Hyderbad

·         Delhi

·         Pune

·         Bangalore

·         Mumbai

·         Indore

 

 

DIRECTORS

 

As on 26.03.2013

 

Name :

Mr. Sajiv Ravindra Nath

Designation :

Managing Director

Address :

Flat No -2, 1st Floor, Sardar Building, Behind Siemens, Cardinal Gracias Road, Chakala, Andheri, Mumbai - 400099, Maharastra, India

Date of Birth/Age :

04.12.1967

Date of Appointment :

01.05.2008

DIN No.:

0221563

PAN No.:

AAAPN8808P

 

 

Name :

Mr. Jean Gyl Capt

Designation :

Director

Address :

31, Ruedelandser, Mabshem – 68440, France

Date of Birth/Age :

26.09.1951

Date of Appointment :

28.04.2008

DIN No.:

02215341

 

 

Name :

Mr. Michael Ziesemer

Designation :

Director

Address :

Sackinger Strasse 32, Lorrach 79540, Germany

Date of Birth/Age :

07.05.1951

Date of Appointment :

18.06.2008

DIN No.:

02340364

 

 

Name :

Mr. Santosh Kumar

Designation :

Director

Address :

601, Eternia, Hiranandani, Powai, Mumbai – 400076, Maharastra, India

Date of Birth/Age :

15.08.1974

Date of Appointment :

29.11.2010

DIN No.:

00174062

PAN No.:

ACMCA8959Q

 

 

KEY EXECUTIVES

 

Name :

Mr. Santosh Kumar

Designation :

Director

Address :

601, Eternia, Hiranandani, Powai, Mumbai – 400076, Maharastra, India

Date of Birth/Age :

15.08.1974

Date of Appointment :

29.11.2010

PAN No.:

ACMCA8959Q

 

 

MAJOR SHAREHOLDERS

 

As on 26.03.2013

 

Names of Shareholders

 

No. of Shares

Endress and Hauser Consult AG

 

1

Endress and Hauser International Holding AG –Switzerland

 

2014759

Total

 

2014760

 

As on 24.10.2013

 

Names of Allottes

 

No. of Shares

Endress and Hauser International Holding AG –Switzerland

 

1285923

Total

 

1285923

 

Equity Share Break up (Percentage of Total Equity)

 

As on 26.03.2013

 

Category

Percentage

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

100.00

Total

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Sale and marketing of measuring instrument.

 

 

Products :

Product Descripation

ITC Code

Level and Pressure Products

90261020

Flow Products

90261029

Others

90261020

 

 

Imports :

 

Products :

Finished Goods

Countries :

Germany

 

 

Terms :

 

Purchasing :

Depend

 

 

GENERAL INFORMATION

 

Customers :

End Users

 

 

No. of Employees :

170 (Approximately)

 

 

Bankers :

·         Deutsche Bank

·         ICICI Bank Limited

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

Price Waterhouse and Company

Chartered Accountants

Address :

252, Veer Savarkar Marg, Shivaji Park, Dadar, Mumbai 400028, Maharashtra, India

PAN No.:

AADFP9359C

 

 

Ultimate Holding Company :

Endress + Hauser AG, Switzerland

 

 

Fellow Subsidiary Company :

·         Endress and Hauser (India) Automation Instrumentation Private Limited

CIN No.: U74900mh2007ptc170990

·         Endress + Hauser Metso Ag , Switerland

·         Endress + Hauser Gesmbh, Austria

·         Endress + Hauser Conducta Gmbh + Co. Kg, Germany

·         Endress + Hauser Inc., Us

·         Endress + Hauser Flowtec Ag, Reinach, Switerland

·         Endress + Hauser Conducta Gmbh + Company, Germany

·         Endress + Hauser Gmbh + Co. Kg, Germany

·         Endress + Hauser Wetzer Gmbh+Co. Kg, Germany

·         Endress + Hauser Yamanashi Company Limited, Japan

·         Endress + Hauser Sicestherm S.R.L., Italy

·         Endress + Hauser Flowtec (India) Private Limited

CIN No.: U73100mh1999ptc119985

·         Endress + Hauser Process Solutions Ag, Switzerland

·         Endress + Hauser Limited, Uk

·         Endress + Hauser Shanghai Automation Equipment Company Limited, China

·         Endress + Hauser Flowtec Ag, Greenwood, Us

·         Endress + Hauser (Usa) Automation Instrumentation Inc.

·         Endress + Hauser Infoserve Gmbh+Co. Kg, Germany

·         Endress + Hauser Consult Ag, Switzerland

·         Endress + Hauser Polska Sp.Z.O.O, Poland

·         Endress + Hauser Logistik Gmbh + Co.Kg, Germany

·         Endress + Hauser Conducta Gmbh + Company, Germany

·         Endress + Hauser Ab, Swiden

·         Endress + Hauser Instruments International Ag, Switzerland

·         Endress + Hauser Talia S.P.A., Italy

·         Endress + Hauser (S.E.A) Pte. Limited

·         Endress + Hauser Messtechnik Gmbh+Co. Kg, Germany

·         Endress + Hauser B.V., Netherlands

 

           

CAPITAL STRUCTURE

 

 

After 26.03.2013

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

3400000

Equity Shares

Rs. 100/- each

Rs.34ss0.000 Millions

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

3300683

Equity Shares

Rs. 100/- each

Rs.330.068 Millions

 

As on 26.03.2013

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

2100000

Equity Shares

Rs. 100/- each

Rs.210.000 Millions

 

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

2014760

Equity Shares

Rs. 100/- each

Rs.201.476 Millions

 

 

 

 


FINANCIAL DATA

[all figures are in Rupees Millions]

 

ABRIDGED BALANCE SHEET

 

SOURCES OF FUNDS

 

 

31.12.2012

31.12.2011

I.        EQUITY AND LIABILITIES

 

 

 

(1)Shareholders' Funds

 

 

 

(a) Share Capital

 

201.476

201.476

(b) Reserves & Surplus

 

143.129

88.955

(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)

 

344.605

290.431

 

 

 

 

(3) Non-Current Liabilities

 

 

 

(a) long-term borrowings

 

0.000

0.000

(b) Deferred tax liabilities (Net)

 

0.000

0.000

(c) Other long term liabilities

 

21.914

26.518

(d) long-term provisions

 

0.000

0.000

Total Non-current Liabilities (3)

 

21.914

26.518

 

 

 

 

(4) Current Liabilities

 

 

 

(a) Short term borrowings

 

0.000

0.000

(b) Trade payables

 

416.639

310.324

(c) Other current liabilities

 

79.133

53.894

(d) Short-term provisions

 

37.374

29.281

Total Current Liabilities (4)

 

533.146

393.499

 

 

 

 

TOTAL

 

899.665

710.448

 

 

 

 

II.      ASSETS

 

 

 

(1) Non-current assets

 

 

 

(a) Fixed Assets

 

 

 

(i) Tangible assets

 

45.804

27.573

(ii) Intangible Assets

 

0.776

1.781

(iii) Capital work-in-progress

 

3.338

0.000

(iv) Intangible assets under development

 

4.582

0.000

(b) Non-current Investments

 

0.000

0.000

(c) Deferred tax assets (net)

 

46.292

41.000

(d)  Long-term Loan and Advances

 

70.956

38.905

(e) Other Non-current assets

 

0.030

0.030

Total Non-Current Assets

 

171.778

109.289

 

 

 

 

(2) Current assets

 

 

 

(a) Current investments

 

0.000

0.000

(b) Inventories

 

225.314

166.858

(c) Trade receivables

 

421.193

341.222

(d) Cash and cash equivalents

 

68.624

78.970

(e) Short-term loans and advances

 

12.756

14.044

(f) Other current assets

 

0.000

0.065

Total Current Assets

 

727.887

601.159

 

 

 

 

TOTAL

 

899.665

710.448

 

 

 

SOURCES OF FUNDS

 

 

 

31.12.2010

SHAREHOLDERS FUNDS

 

 

 

1] Share Capital

 

 

201.476

2] Share Application Money

 

 

0.000

3] Reserves & Surplus

 

 

39.895

4] (Accumulated Losses)

 

 

0.000

NETWORTH

 

 

241.371

LOAN FUNDS

 

 

 

1] Secured Loans

 

 

0.096

2] Unsecured Loans

 

 

0.000

TOTAL BORROWING

 

 

0.096

DEFERRED TAX LIABILITIES

 

 

0.000

 

 

 

 

TOTAL

 

 

241.467

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

 

 

27.762

Capital work-in-progress

 

 

0.000

 

 

 

 

INVESTMENT

 

 

 

DEFERRED TAX ASSETS

 

 

0.000

 

 

 

33.150

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

 

 

164.644

 

Sundry Debtors

 

 

302.517

 

Cash & Bank Balances

 

 

36.058

 

Other Current Assets

 

 

0.245

 

Loans & Advances

 

 

67.485

Total Current Assets

 

 

570.949

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Sundry Creditors

 

 

309.219

 

Other Current Liabilities

 

 

29.040

 

Provisions

 

 

52.135

Total Current Liabilities

 

 

390.394

Net Current Assets

 

 

180.555

 

 

 

 

MISCELLANEOUS EXPENSES

 

 

0.000

 

 

 

 

TOTAL

 

 

241.467

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

31.12.2012

31.12.2011

31.12.2010

 

SALES

 

 

 

 

 

Income

2573.000

2071.430

1520.430

 

 

Commission

1.230

1.540

4.170

 

 

Service Income-Gross

39.550

27.910

24.160

 

 

Other Income

10.500

6.590

1.430

 

 

TOTAL                                    

2624.280

2107.470

 1550.190

 

 

 

 

 

Less

EXPENSES

2542.400

2032.160

1473.530

 

 

 

 

 

 

PROFIT/(LOSS) BEFORE TAX

81.880

75.310

76.660

 

 

 

 

 

Less

TAX                                                     

27.710

26.250

28.820

 

 

 

 

 

 

PROFIT/(LOSS) AFTER TAX

54.170

49.060

47.840

 

 

 

 

 

 

EARNINGS IN FOREIGN CURRENCY

 

 

 

 

 

Export Earnings

0.020

4.070

NA

 

 

Commission Earnings

1.240

1.540

NA

 

 

Service Income

1.900

3.550

NA

 

TOTAL EARNINGS

3.160

9.160

NA

 

 

 

 

 

 

Earnings Per Share (Rs.)

26.89

NA

NA

 

 

Particulars

 

 

 

31.12.2013

Sales Turnover (Approximately)

 

 

3000.000

 

The above information has been parted by Ms. Sonel Shah (Accounts Department)

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.12.2012

31.12.2011

31.12.2010

PAT / Total Income

(%)

2.06

2.33

3.09

 

 

 

 

 

Net Profit Margin

(PBT/Sales)

(%)

3.18

3.64

5.04

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

10.57

11.94

12.80

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

0.24

0.26

0.32

 

 

 

 

 

Debt Equity Ratio

(Total Debt /Networth)

 

0.00

0.00

0.00

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

1.37

1.53

1.46

 

 

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)

Yes

21]

Market information

----------

22]

Litigations that the firm / promoter involved in

----------

23]

Banking Details

Yes

24]

Banking facility details

No

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

 

MANAGEMENT DISCUSSION AND ANALYSIS REPORT:

 

The Company posted yet another year of impressive results with strong top line growth and high quality earnings, reflecting the robustness of its corporate strategy of creating multiple drivers of growth. This performance is particularly remarkable when viewed against the backdrop of the extremely challenging business context in which it was achieved, namely, a slowdown in the economy, high level of inflation. The Company recorded significantly higher net Revenue Growth during the year and crossed Rs.2625.000 Million landmark. This was supported by significant increase in order inflow for flow by about 18 % , pressure and level product lines by about 20 % . Your Company achieved this growth through focusing on strategies relating to product diversification, cross selling, customer relationship through customer events, new product launches. The Company managed to increase Profit after Tax from Rs.49.000 Million to Rs. 54.000 Million through focus on margin, in spite of significant cost escalations. The Company could signficantly improve its working capital performances and recorded over Rs.20.490 Million of net operating cash flow from operating activities during the year. The Company expects to improve its performance going forward in spite of several economics challenges. e.g. Slow down in economy, higher interest rates, cost escalation due to high inflation.

 

First year of Manufacturing Division for process monitoring system recorded an impressive net sale of INR 54 Million.

 

Note:

 

·         CURRENT MATURITIES OF LONG TERM DEBT NOT AVAIBLE

 

·         NO CHARGES EXIST FOR THE COMPANY

 

 

FIXED ASSETS:

 

·         Land and Building

·         Plant and Machinery

·         Furniture and Fixture

·         Vehicle

·         Computer

 

 

NEWS :

 

ENDRESS HAUSER PLANS TO EXPAND ITS FOOTPRINT IN INDIA

 

Swiss major Endress+Hauser AG which offers a range of instruments, services and automation solutions for industrial process engineering is expanding its footprint in India. 


With the investment of Rs 2000.000 Millions, the company has a set up a facility in Aurangabad which manufactures analytical instrumentation equipments for the sectors like water, oil and gas, and power. The Aurangabad plant exports the products to South East Asian countries, South Africa and Australia worth of Rs 4500.000 Millions.


Speaking to Business Standard, Klaus Endress, CEO, Endress+Hauser AG said, " India is very important market for  us. We have invested Rs 2000.000 Millions in Waluj facility at Aurangabad. The further investments will be made in research and development area. We would be expanding our sales and service operations and the project execution capabilities in the states like Maharashtra, Tamil Nadu, Goa, Karnataka, Kerala Uttar Pradesh and Delhi. The company is diversified into various sectors and will have an increased presence in al the sectors especially water, power, oil& gas, primaries, life sciences, food & beverages depending on the growth in these sectors as they are seen to be formidable growth sectors for India and it will be a third largest market for us."


The company has a 15 per cent share in the instrumentation process automation sector, which is pegged at over Rs 1000 crore. Endress+Hauser  offers comprehensive process solutions for flow, level, pressure, analysis, temperature, recording and digital communications across a wide range of industries, optimizing processes in regards to economic efficiency, safety and environmental protection.


For the  efficient water management system, Endress+Hauser has installed automated flow meters for Tiruchirapalli Corporation in Tamil Nadu. These flow meters check for leakages in pipelines, the quantity of water pumped in from the source, which could be a river, and the quantity of water pumped out after the treatment plant, the water level at a specific place and also provides analytical measurements to understand the quality of water. The water management system will help local municipal bodies to save water up to 25 per cent. The company has done projects similar to Tiruchirapalli in Delhi and Maharashtra.

 

 


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.62.33

UK Pound

1

Rs.101.99

Euro

1

Rs.84.62s

 

 

INFORMATION DETAILS

 

Information Gathered by :

PDT

 

 

Report Prepared by :

VNT

 


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

6

PAID-UP CAPITAL

1~10

6

OPERATING SCALE

1~10

6

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

5

--PROFITABILIRY

1~10

5

--LIQUIDITY

1~10

6

--LEVERAGE

1~10

6

--RESERVES

1~10

5

--CREDIT LINES

1~10

5

--MARGINS

-5~5

 

DEMERIT POINTS

 

 

--BANK CHARGES

YES/NO

NO

--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

 

50

 

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

Bs

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.