MIRA INFORM REPORT

 

 

Report Date :

07.01.2014

 

IDENTIFICATION DETAILS

 

Name :

PRIME FOCUS TECHNOLOGIES PRIVATE LIMITED

 

 

Registered Office :

2nd Floor, Building - H, Main Frame It Park, Royal Palms, Near Aarey Colony, Mumbai – 400065, Maharashtra

 

 

Country :

India

 

 

Financials (as on) :

31.03.2013

 

 

Date of Incorporation :

08.03.2008

 

 

Com. Reg. No.:

11-179850

 

 

Capital Investment / Paid-up Capital :

Rs. 170.100 Millions

 

 

CIN No.:

[Company Identification No.]

U72200MH2008PTC179850

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

MUMP25751F

 

 

PAN No.:

[Permanent Account No.]

AAECP5895R

 

 

Legal Form :

Private Limited Liability Company

 

 

Line of Business :

Providing Digital Technological Solutions to the Sports, Film, Broadcasting, Advertising and Media Industries.

 

 

No. of Employees :

950 (Approximately)

 

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba (44)

 

RATING

STATUS

 

PROPOSED CREDIT LINE

41-55

Ba

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

Satisfactory

 

 

Maximum Credit Limit :

USD 1250000

 

 

Status :

Satisfactory

 

 

Payment Behaviour :

Slow but correct

 

 

Litigation :

Clear

 

 

Comments :

Subject is an established company having satisfactory track record.

 

Reserves of the company appears to be low. However, company has performed well in the year 2013.

 

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

 

The company 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

 

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.

 

 

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. Murlidharan

Designation :

Senior Accounts Manager

Contact No.:

91-9004359099

Date :

07.01.2014

 

 

LOCATIONS

 

Registered Office :

2nd Floor, Building - H, Main Frame It Park, Royal Palms, Near Aarey Colony, Mumbai – 400065, Maharashtra, India

Tel. No.:

91-22-42095000

Mobile No.:

91-9004359099 (Mr. Murlidharan)

Fax No.:

91-22-42095001

E-Mail :

parina.sanghavi@primefocusworld.com

jayee.srinivasan@primefocusworld.com

michael.gonsalves@primefocusworld.com

prateek.savla@primefocusworld.com

Website :

http://www.primefocustechnologies.com

Area :

15000 Sq. ft

Location :

Owned

 

 

Corporate Office :

True North, Plot No. 63, Road No. 13 MIDC, Andheri (East) Mumbai - 400093, Maharashtra, India

Tel No.:

91-22-61785555

E-Mail :

info@primefocustechnologies.com

Area :

1 Lac Sq. ft

Location :

Rented

 

 

Branch Offices :

Located at:

 

Shubam Complex, # 45/B , 3rd Floor, Front Wing, Sarakki Industrial Layout, J P Nagar, 3rd Phase, Bangalore – 560078, Karnataka, India

Tel No.: 91-80-31922232

 

Bannerghatta Office, 2nd Floor, Janardhan Towers, No 562/640 Bannerghatta Road, Before Kalyani Motors and State Bank of Mysore, Bilekahalli, Bangalore – 560076, Karnataka, India

Tel No.: 91-80-31922231

 

 

International Offices :

Located at:

 

·         58 Old Compton Street, London W1D 4UF

+44 (0)20 7437 2626

 

345 Hudson Street, 13th Floor, New York NY 10014

+1 212 292 3333

 

Prime Focus House, 1800 N. Vine Street, Hollywood, California 90028

+1 323 461 7887

 

 

DIRECTORS

 

AS ON 30.09.2013

 

Name :

Mr. Ramakrishnan Sankaranarayanan

Designation :

Director

Address :

219, Phase – I, Palm Meadows, Airport, Varthur Road, Rg. Halli, Bangalore - 560066, Karnataka, India

Date of Birth/Age :

14.10.1970

Date of Appointment :

01.04.2008

PAN No.:

AALPR6472J

DIN No.:

02696897

 

 

Name :

Mr. Ganesh Sankaran

Designation :

Whole-time director

Address :

39/66, I E Cross, Remco Laoput, Vijaynagar, Bangalore - 560040, Karnataka, India

Date of Birth/Age :

28.12.1970

Date of Appointment :

01.04.2008

PAN No.:

ABYPS2129M

DIN No.:

02696913

 

 

Name :

Mr. Rivkaran Singh Chadha

Designation :

Director

Address :

5, Kaushal Building, 12th Road, Opposite Indian Bank, Juhu Scheme, Mumbai – 400006, Maharashtra, India

Date of Birth/Age :

17.08.1976

Date of Appointment :

02.02.2013

DIN No.:

00308288

 

 

KEY EXECUTIVES

 

Name :

Mr. Prateek Mahesh Savla

Designation :

Secretary

Address :

E/212, Shram Saphalya, Sheetal Nagar, Mira Road (East), Thane – 401107, Maharashtra, India

Date of Birth/Age :

23.06.1988

Date of Appointment :

02.02.2013

PAN No.:

BLSPS4401H

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

AS ON 30.09.2013

 

Names of Equity Shareholders

 

No. of Shares

 

Ramakrishnan Sankaranarayanan

 

221602

Anshul Doshi

 

55275

Nishant Fadia

 

59798

Rohan Desai

 

50250

Ganesh Sankaran

 

70350

Atul Saxena

 

15075

Sanjeev Nayak

 

10050

Chandar Muthukrishnan

 

10050

Prime Focus Limited, India

 

1517550

 

 

 

Total

 

 

2010000

 

 

Names of Preference Shareholder

 

No. of Shares

 

Prime Focus Limited, India

 

15000000

 

 

 

Total

 

 

15000000

 

 

AS ON 30.09.2013

 

Equity Share Breakup

Percentage of Holding

Category

 

Bodies corporate

75.50

Directors or relatives of directors

14.52

Others

9.98

 

 

Total

 

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Providing Digital Technological Solutions to the Sports, Film, Broadcasting, Advertising and Media Industries.

 

 

Products/ Services :

ITC Code No.

 

Product Descriptions

99831329

Content Operation and Technology Services

 

 

Imports :

 

Products :

Equipments

Countries :

·         Singapore

New York

UK

 

 

Terms :

 

Selling :

Cash and Credit

 

 

Purchasing :

L/C and DP

 

 

GENERAL INFORMATION

 

Suppliers :

Bytes Technologies Private Limited

 

 

Customers :

Corporates

 

·         Star India Private Limited

 

 

No. of Employees :

950 (Approximately)

 

 

Bankers :

 

Bank:

Kotak Mahindra Bank Limited

Address:

36-38A, Nariman Bhavan, 227,D, Nariman Point, Mumbai - 400021, Maharashtra, India

Contact Person:

1.       Mr. Neeraj Kopchandani Regional Manager

[Mobile No.: 91-8879639116]

 

2.       Mr. Amit Regional Manager

[Mobile No.: 91-9167930001]

Bankers Note:

Mr. Neeraj Kopchandani Regional Manager, he said our experience is very good with the subject company.

 

 

Facilities :

Total Facility : Rs. 550.000 Millions (From Kotak Mahindra Bank Limited)

 

SECURED LOANS

31.03.2013

(Rs. In Millions)

31.03.2012

(Rs. In Millions)

LONG-TERM BORROWINGS

 

 

Rupee term loans from banks

157.221

0.000

Foreign currency term loans from others

26.322

24.985

Long-term maturities of finance lease obligations

59.960

41.376

SHORT TERM BORROWINGS

 

 

Rupee term loans from banks

55.789

0.000

 

 

 

Total

 

299.292

66.361

 

LONG-TERM BORROWINGS

 

a)       Term Loans from bank are secured by first and exclusive charge on all existing and future current assets and existing and future movable fixed asset except for fixed assets financed through equipment loan/lease, extension of mortgage property owned by a related party of holding company at Khar Mumbai, pledge of holding company shares held by the promoter, corporate guarantee issued by the holding company and personal guarantees of promoters. Loan is repayable in 42 equal monthly installments beginning after a moratonium of 6 months from the date of disbursement with a interest rate of 13.90%.

 

b)       Finance lease obligation are secured by hypothecation of plant and equipment, intangible assets and vehicles taken on lease. Rate of interest ranges from 10% to 15% p.a.

 

c)       Foreign currency loans – buyers credit are secured against margin monies -fixed deposits pledged. Interest rate ranges from 10% to 15% p.a. with maturity profile of 2 to 3 years.

 

 

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

Deloitte Haskins and Sells

Chartered Accountants

Address :

Tower 3, 27th - 32nd Floor, Indiabulls Finance Centre, Elphinstone Mill Compound, Senapati Bapat Marg, Elphinstone (West), Mumbai – 400013, Maharashtra, India

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

AADFD2337G

 

 

Subsidiary company :

·         Prime Focus Technologies, Inc. (with effect from 31st March, 2013)

Prime Focus Technologies UK Limited

 

 

Holding company :

Prime Focus Limited [L92100MH1997PLC108981]

 

 

Fellow Subsidiaries :

·         Prime Focus London Plc

Prime Focus North America Inc

Prime Focus World N.V.

 

 

CAPITAL STRUCTURE

 

AS ON 31.03.2013

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

5,000,000

Equity Shares

Rs. 10/- each

Rs. 50.000 Millions

15,000,000

Preference Shares

Rs. 10/- each

Rs. 150.000 Millions

 

Total

 

Rs. 200.000 Millions

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

2,010,000

Equity Shares

Rs. 10/- each

Rs. 20.100 Millions

15,000,000

Preference Shares

Rs. 10/- each

Rs. 150.000 Millions

 

Total

 

Rs. 170.100 Millions

 


 

FINANCIAL DATA

[all figures are in Rupees Millions]

 

ABRIDGED BALANCE SHEET

 

SOURCES OF FUNDS

 

 

31.03.2013

31.03.2012

I.        EQUITY AND LIABILITIES

 

 

 

(1)Shareholders' Funds

 

 

 

(a) Share Capital

 

170.100

170.100

(b) Reserves & Surplus

 

143.330

47.379

(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)

 

313.430

217.479

 

 

 

 

(3) Non-Current Liabilities

 

 

 

(a) long-term borrowings

 

243.503

66.361

(b) Deferred tax liabilities (Net)

 

52.305

21.598

(c) Other long term liabilities

 

95.476

0.000

(d) long-term provisions

 

3.951

1.508

Total Non-current Liabilities (3)

 

395.235

89.467

 

 

 

 

(4) Current Liabilities

 

 

 

(a) Short term borrowings

 

55.789

49.981

(b) Trade payables

 

161.035

71.828

(c) Other current liabilities

 

196.736

37.909

(d) Short-term provisions

 

0.019

0.000

Total Current Liabilities (4)

 

413.579

159.718

 

 

 

 

TOTAL

 

1122.244

466.664

 

 

 

 

II.      ASSETS

 

 

 

(1) Non-current assets

 

 

 

(a) Fixed Assets

 

 

 

(i) Tangible assets

 

230.853

117.148

(ii) Intangible Assets

 

163.966

93.153

(iii) Capital work-in-progress

 

205.004

4.040

(iv) Intangible assets under development

 

63.411

39.121

(b) Non-current Investments

 

0.000

0.000

(c) Deferred tax assets (net)

 

0.000

0.000

(d)  Long-term Loan and Advances

 

142.325

53.640

(e) Other Non-current assets

 

6.324

29.996

Total Non-Current Assets

 

811.883

337.098

 

 

 

 

(2) Current assets

 

 

 

(a) Current investments

 

0.000

0.000

(b) Inventories

 

0.000

0.000

(c) Trade receivables

 

224.613

93.775

(d) Cash and cash equivalents

 

34.643

16.997

(e) Short-term loans and advances

 

31.737

16.686

(f) Other current assets

 

19.368

2.108

Total Current Assets

 

310.361

129.566

 

 

 

 

TOTAL

 

1122.244

466.664

 

 

SOURCES OF FUNDS

 

 

 

31.03.2011

SHAREHOLDERS FUNDS

 

 

 

1] Share Capital

 

 

0.100

2] Share Application Money

 

 

0.000

3] Reserves & Surplus

 

 

26.216

4] (Accumulated Losses)

 

 

0.000

NETWORTH

 

 

26.316

LOAN FUNDS

 

 

 

1] Secured Loans

 

 

24.731

2] Unsecured Loans

 

 

85.324

TOTAL BORROWING

 

 

110.055

DEFERRED TAX LIABILITIES

 

 

1.531

 

 

 

 

TOTAL

 

 

137.902

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

 

 

38.216

Capital work-in-progress

 

 

64.035

 

 

 

 

INVESTMENT

 

 

0.000

DEFERRED TAX ASSETS

 

 

0.000

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

 

 

0.000

 

Sundry Debtors

 

 

57.847

 

Cash & Bank Balances

 

 

19.526

 

Other Current Assets

 

 

0.000

 

Loans & Advances

 

 

24.112

Total Current Assets

 

 

101.485

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Sundry Creditors

 

 

1.716

 

Other Current Liabilities

 

 

64.118

 

Provisions

 

 

0.000

Total Current Liabilities

 

 

65.834

Net Current Assets

 

 

35.651

 

 

 

 

MISCELLANEOUS EXPENSES

 

 

0.000

 

 

 

 

TOTAL

 

 

137.902

 

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

 

31.03.2013

31.03.2012

31.03.2011

 

SALES

 

 

 

 

 

TOTAL                                    

665.742

313.237

109.868

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

TOTAL                                    

509.664

252.007

84.159

 

 

 

 

 

 

PROFIT BEFORE TAX

156.078

61.230

25.709

 

 

 

 

 

Less

TAX                                                                 

60.127

20.067

0.818

 

 

 

 

 

 

PROFIT AFTER TAX

95.951

41.163

24.891

 

 

 

 

 

Add

PREVIOUS YEARS’ BALANCE BROUGHT FORWARD

47.379

26.216

1.325

 

 

 

 

 

Less

APPROPRIATIONS ISSUE OF BONUS SHARES

0.000

20.000

0.000

 

 

 

 

 

 

BALANCE CARRIED TO THE B/S

143.330

47.379

26.216

 

 

 

 

 

 

EARNINGS IN FOREIGN CURRENCY

 

 

 

 

 

Technical Service receipts

98.033

6.245

6.445

 

 

 

 

 

 

Earnings Per Share (Rs.)

 

 

 

 

Basic

47.74

20.48

2489.15

 

Diluted

5.64

20.07

2489.15

 

 

Expected Sales (2013-2014): Rs. 1000.000 Millions

 

The above information has been parted by Mr. Murlidharan (Senior Accounts Manager)

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2013

31.03.2012

31.03.2011

PAT / Total Income

(%)

14.41

13.14

22.66

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

18.28

14.46

18.40

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

0.50

0.28

0.98

 

 

 

 

 

Debt Equity Ratio

(Total Debt/Networth)

 

0.95

0.53

4.18

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

0.75

0.81

1.54

 

 

LOCAL AGENCY FURTHER INFORMATION

 

 

CURRENT MATURITIES OF LONG TERM DEBT

 

Particulars

31.03.2013

(Rs. In Millions)

31.03.2012

(Rs. In Millions)

31.03.2011

(Rs. In Millions)

 

 

 

 

Current maturities of long-term debt

73.923

0.000

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

Yes

5]

Type of Business

Yes

6]

Line of Business

Yes

7]

Promoter's background

Yes

8]

No. of employees

Yes

9]

Name of person contacted

Yes

10]

Designation of contact person

Yes

11]

Turnover of firm for last three years

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)

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

10378453

09/12/2013 *

650,000,000.00

KOTAK MAHINDRA BANK LIMITED

36-38A, NARIMAN BHAVAN, 227, D, NARIMAN POINT, MUMBAI - 400021, MAHARASHTRA, INDIA

B92265602

 

* Date of charge modification

 

 

UNSECURED LOANS

 

UNSECURED LOANS

31.03.2013

(Rs. In Millions)

31.03.2012

(Rs. In Millions)

SHORT TERM BORROWINGS

 

 

Loans repayable on demand from others

0.000

49.981

 

 

 

Total

 

0.000

49.981

 

 

CHANGE OF ADDRESS:

 

The Registered office of the company has been shifted from Prime Focus House, Linking Road, Opposite Citi Bank, Khar [West], Mumbai – 400052, Maharashtra, India to the present w.e.f. 01.10.2010.

 

 

CORPORATE INFORMATION

 

Subject is engaged in the business of providing digital technological solutions to the sports, film, broadcasting, advertising and media industries.

 

 

OPERATION AND PERFORMANCE REVIEW

 

During the year, the Company’s overall financial performance significantly improved on all fronts as compared to the previous year. Total Income during the year was Rs. 665.742 Millions as compared to Rs. 313.237 Millions in the previous year, registering a growth of 112.54%. The Net Profit after Tax was Rs. 95.951 Millions as compared to Rs. 41.163 Millions in the previous year registering a growth of 133.10%.

 

 

TRADE REFERENCES:

 

·         Bytes Technologies Private Limited

Star India Private Limited


FIXED ASSETS:

 

·         Plant and equipment

Factory equipments

Furniture and fixtures

Vehicles

Motor vehicles

Office equipment

Other equipments

Computer software


 

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. 84.62

 

 

INFORMATION DETAILS

 

Information Gathered by :

HNA

 

 

Report Prepared by :

BVA

 


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

4

PAID-UP CAPITAL

1~10

5

OPERATING SCALE

1~10

5

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

5

--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

DEFAULTERS 

 

 

--RBI

YES/NO

NO

--EPF

YES/NO

NO

TOTAL

 

44

 

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.