MIRA INFORM REPORT

 

 

Report Date :

13.01.2014

 

IDENTIFICATION DETAILS

 

Name :

LOGISTIC INTEGRATORS (I) PRIVATE LIMITED

 

 

Registered Office :

310-A Wing, Sagar Tech Plaza, Saki Naka Junction, Saki Naka, A.K. Road, Mumbai – 400 072, Maharashtra

 

 

Country :

India

 

 

Financials (as on) :

31.03.2013

 

 

Date of Incorporation :

16.09.2009

 

 

Com. Reg. No.:

11-195813

 

 

Capital Investment / Paid-up Capital :

Rs.12.100 millions

 

 

CIN No.:

[Company Identification No.]

U63090MH2009PTC195813

 

 

Legal Form :

Private Limited Liability Company

 

 

Line of Business :

Providing logistics and freight forwarding services.

 

 

No. of Employees :

80 (Approximately)

 

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba (45)

 

RATING

STATUS

 

PROPOSED CREDIT LINE

41-55

Ba

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

Satisfactory

 

Maximum Credit Limit :

USD 180000

 

 

Status :

Satisfactory

 

 

Payment Behaviour :

Usually Correct

 

 

Litigation :

Clear

 

 

Comments :

Subject is an established company having a satisfactory track record.

 

Profitability of the company seems to be fair.

 

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

 

The company can be considered for business dealings at usual 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

 

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

CRISIL

Rating

NSIC – SE 1B

Rating Explanation

Highest performance capability and moderate financial strength.

Date

07.08.2013

 

 

RBI DEFAILTERS’ LIST STATUS

 

Subject’s name is not enlisted as a defaulter in the publicly available RBI Defaulters’ list.

 

EPF (Employee Provident Fund) DEFAILTERS’ 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 (GENERAL DETAILS)

 

Name :

Mr. Ravindra Kange

Designation :

Accounts Manager

Contact No.:

91-22-42235555

Date :

11.01.2014

 

 

LOCATIONS

 

Registered Office/ Corporate Headquarter/ Branch Office 1 :

310-A Wing, Sagar Tech Plaza, Saki Naka Junction, Saki Naka, A.K. Road, Mumbai – 400 072, Maharashtra, India

Tel. No.:

91-22-42235555

Fax No.:

91-22-42235550

E-Mail :

naishad@logisticintegrators.com

corporate@logisticintegrators.com

sales.bom@logisticintegrators.com

Website :

http://www.logisticintegrators.com

Location :

Rented

 

 

Branch Offices/ Regional Offices :

Located at:

 

·         Chennai

·         New Delhi

·         Ahmedabad

·         Kolkata

 

 

Overseas Offices :

Located at:

 

·         Dubai, United Arab Emirates

·         Doha, Qatar

 

 

DIRECTORS

 

AS ON 21.09.2013

 

Name :

Mr. Usman Abdul Rehman

Designation :

Director

Address :

Neliyathodi, Wadakanchery, Trichur District – 680 582, Kerala, India 

Date of Birth/Age :

30.05.1968

Date of Appointment :

16.09.2009

DIN No.:

02747487

 

 

Name :

Mr. Sunil Krishnan

Designation :

Director

Address :

Flat No. B-19, Profile Enclave, Aundh Road, Pune – 411 003, Maharashtra, India 

Date of Birth/Age :

10.03.1967

Date of Appointment :

16.09.2009

DIN No.:

02654055

 

 

Name :

Mr. Naishad Janaksinh Ashar

Designation :

Director

Address :

206, Surbahar, Lokpuram, Smt. G.A. Marg, Pokhran Road No.2, Thane – 400 610, Maharashtra, India 

Date of Birth/Age :

24.07.1961

Date of Appointment :

19.12.2009

DIN No.:

02676367

Other Directorship:

 

S.No.

CIN/LLPIN

Name of the Company/ LLP

Current designation of the Director/ Designated Partner

Date of appointment at current designation

Original date of appointment

Date of cessation

Company/ LLP Status

Defaulting status

1

U63090MH2009PTC195813

LOGISTIC INTEGRATORS (I) PRIVATE LIMITED

Director

19/12/2009

16/09/2009

-

Active

NO

 

 

Name :

Mr. Satish Madhavan

Designation :

Director

Address :

B-01, White House, Plot No.233/234, Sector-21, Nerul, Navi Mumbai – 400 706, Maharashtra, India 

Date of Birth/Age :

14.07.1969

Date of Appointment :

16.09.2009

DIN No.:

02654066

 

 

Name :

Mr. Upen Janaksinh Ashar

Designation :

Director

Address :

Green Peace Crown Apartment, 616, 51st Street, 9th Sector, K.K. Nagar, Chennai – 600 078, Tamilnadu, India 

Date of Birth/Age :

27.11.1966

Date of Appointment :

16.09.2009

DIN No.:

02679607

 

 

Name :

Mr. Rajesh Athrassery

Designation :

Director

Address :

DA-86 F, Hari Nagar, New Delhi – 110 064, India

Date of Birth/Age :

04.04.1969

Date of Appointment :

16.09.2009

DIN No.:

02654068

 

 

KEY EXECUTIVES

 

Name :

Mr. Ravindra Kange

Designation :

Accounts Manager

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

AS ON 21.09.2013

 

Names of Shareholders

 

 

No. of Shares

Usman Abdul Rehman

 

460000

Sunil Krishnan

 

138000

Naishad Janaksinh Ashar

 

138000

Satish Madhavan

 

138000

Upen Janaksinh Ashar

 

138000

Rajesh Athrassery

 

138000

Ganesh Krishnaswamy Iyer

 

10000

Mahesh

 

10000

Minesh Oza

 

10000

Vishnudeo Sing

 

10000

Vishnu Manthitta

 

10000

Govind Warrier

 

10000

Total

 

1210000

 

AS ON 21.09.2013

 

Equity Share Breakup

 

Percentage of Holding

Category

 

 

Directors or relatives of directors

 

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Providing logistics and freight forwarding services.

 

 

Products/ Services :

·         International Air Freight

·         International Ocean Freight

·         Customs Brokerage

·         Project Cargo

·         Warehousing and Facility Management

·         Distribution and Transport Solutions

·         3 PL Services

·         Allied Logistic Services

 

 

Terms :

 

Selling :

Cheque/ TT

 

 

Purchasing :

Cheque/ TT

 

 

GENERAL INFORMATION

 

Customers :

Manufacturing Company

 

·         Reliance

·         Larsen and Toubro

 

 

No. of Employees :

80 (Approximately)

 

 

Bankers :

·         Bank of India, Saki Naka, Andheri, Mumbai, Maharashtra, India 

·         IndusInd Bank

 

 

Facilities :

--

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

A.N. Naik and Associates

Chartered Accountants

Address :

101,  1st Floor Villa Flaviana, Opposite Portuguese Church Dadar (West), Mumbai – 400 028, Maharashtra, India

Tel. No.:

91-22-24378209/ 24378170

Mobile No.:

91-9821038573

E-Mail :

annaikca@gmail.com

PAN No.:

AAJPN8390B

 

 

Other Related Parties :

·         Time World Freight LLC

·         Gulf Star Freight Services

·         Go Trans International Services

 

 

CAPITAL STRUCTURE

 

AS ON 21.09.2013

 

Authorised Capital :

No. of Shares

Type

Value

Amount

1250000

Equity Shares

Rs.10/- each

Rs.12.500 millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

1210000

Equity Shares

Rs.10/- each

Rs.12.100 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

12.100

12.100

12.100

(b) Reserves & Surplus

32.792

21.946

6.680

(c) Money received against share warrants

0.000

0.000

0.000

 

 

 

 

(2) Share Application money pending allotment

0.000

0.000

0.000

Total Shareholders’ Funds (1) + (2)

44.892

34.046

18.780

 

 

 

 

(3) Non-Current Liabilities

 

 

 

(a) Long-term borrowings

14.500

13.000

17.000

(b) Deferred tax liabilities (Net)

0.882

0.451

0.138

(c) Other long term liabilities

0.000

0.000

0.000

(d) Long-term provisions

0.000

0.000

0.000

Total Non-current Liabilities (3)

15.382

13.451

17.138

 

 

 

 

(4) Current Liabilities

 

 

 

(a) Short term borrowings

0.000

0.000

0.000

(b) Trade payables

96.011

85.383

87.143

(c) Other current liabilities

6.123

0.847

1.143

(d) Short-term provisions

26.294

19.670

11.658

Total Current Liabilities (4)

128.428

105.900

99.944

 

 

 

 

TOTAL

188.702

153.397

135.862

 

 

 

 

II.      ASSETS

 

 

 

(1) Non-current assets

 

 

 

(a) Fixed Assets

 

 

 

(i) Tangible assets

2.947

2.182

2.122

(ii) Intangible Assets

0.000

0.000

0.000

(iii) Capital work-in-progress

0.000

0.000

0.000

(iv) Intangible assets under development

0.000

0.000

0.000

(b) Non-current Investments

0.000

0.000

0.000

(c) Deferred tax assets (net)

0.000

0.000

0.000

(d)  Long-term Loan and Advances

2.874

3.145

1.378

(e) Other Non-current assets

0.178

0.205

0.232

Total Non-Current Assets

5.999

5.532

3.732

 

 

 

 

(2) Current assets

 

 

 

(a) Current investments

0.000

0.000

0.000

(b) Inventories

0.000

0.000

0.000

(c) Trade receivables

142.402

119.983

111.701

(d) Cash and cash equivalents

13.863

11.386

13.514

(e) Short-term loans and advances

0.496

1.677

0.360

(f) Other current assets

25.942

14.819

6.555

Total Current Assets

182.703

147.865

132.130

 

 

 

 

TOTAL

188.702

153.397

135.862

 

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

 

31.03.2013

31.03.2012

31.03.2011

 

SALES

 

 

 

 

 

Revenue from operations (Operating Logistic Income)

830.687

727.116

608.747

 

 

Other Income

2.154

(0.093)

4.340

 

 

TOTAL                                     (A)

832.841

727.023

613.087

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Direct Logistic Operating Expenses (includes Custom duty, Port charges, Freight, other reimbursement and other charges)

739.132

645.873

546.877

 

 

Employee Cost

28.127

18.656

15.433

 

 

Other Expenses

47.429

38.085

26.969

 

 

TOTAL                                     (B)

814.688

702.614

589.279

 

 

 

 

 

Less

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

18.153

24.409

23.808

 

 

 

 

 

Less

FINANCIAL EXPENSES                         (D)

1.427

1.308

1.268

 

 

 

 

 

 

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

16.726

23.101

22.540

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                     (F)

0.614

0.705

0.418

 

 

 

 

 

 

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

16.112

22.396

22.122

 

 

 

 

 

Less

TAX                                                                  (H)

5.266

7.131

6.296

 

 

 

 

 

 

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

10.846

15.265

15.826

 

 

 

 

 

 

Earnings / (Loss) Per Share (Rs.)

8.96

12.62

13.08

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2013

31.03.2012

31.03.2011

PAT / Total Income

(%)

1.30

2.10

2.58

 

 

 

 

 

Net Profit Margin

(PBT/Sales)

(%)

1.94

3.08

3.63

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

8.54

14.60

16.28

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

0.36

0.66

1.18

 

 

 

 

 

Debt Equity Ratio

(Total Debt/Networth)

 

0.32

0.38

0.91

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

1.42

1.40

1.32

 

 

LOCAL AGENCY FURTHER INFORMATION

 

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%

No

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

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

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

No

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

No

34) External Agency Rating, if available

Yes

 


 

Unsecured Loans

31.03.2013

(Rs. in Millions)

31.03.2012

(Rs. in Millions)

LONG TERM BORROWINGS

 

 

Loans from Director

14.500

13.000

Total

14.500

13.000

 

 

Note:

·         The registered office of the company has been shifted from 101, Villa Flaviana, Govindrao Patwwardhan Marg, Opposite Portuguese Church, Dadar (West), Mumbai – 400 028, Maharashtra to the present address w.e.f. 19.12.2009.  

·         No Charges Exist for Company.

 

FIXED ASSETS:

 

·         Mobile

·         Typewriter

·         EPBX/ Telephone Instruments

·         Air Conditioner

·         Water Cooler

·         Other Office Equipments

·         Furniture and Fixtures

·         Office Security Systems

·         Computers

 

 

WEBSITE DETAILS:

 

PROFILE:

 

Subject is a company that is focused on integrating a whole logistic and supply chain with a clock work precision. It is a challenge to bridge the two polarities of "Personal Approach" and "System Approach". With this aspect in mind they steer towards bringing an excellent service to the door step of their clients.

 

Subject brings in a century worth of knowledge in logistics, experience and expertise. The team is highly professional and assertive to ideas that offer innovative and result oriented solutions.

DIRECTORS PROFILE

Mr. Usman Rehman, Chairman

 

Mr. Usman Rehman, the Chairman of subject, is a professional in the field of logistics trade and has created successful models and case studies in the Logistic Industry. Mr. Usman successfully drives and directs as Chairman for his closely held companies namely “Time world Freight, UAE, and Gulf Star, Qatar." A veteran in trade converts opportunities into reality with his hard and intuitive capability.

 

Mr. Usman also holds numerous positions in various forums but more prominently is also the Chairman of LINK group, a worldwide network of competent freight forwarders.

 

Mr. Sunil Krishnan, Managing Director

 

Mr. Sunil Krishnan, The Managing Director of subject, brings with him a 20 years of working experience behind him, with 16 years as hard core logistician. Key competency lies in setting up operations and venturing. With an enviable skill of leadership has successfully set and master performances in the past stint. The beginning part of the working years in a reputed pharmaceutical company gives a flair for pharmaceutical logistics. Mr. Sunil, has far and wide experience and exposure into international markets and have in past taken the daunting task of setting trade lanes with numerous Europe markets, with special focus to Switzerland, France and Germany.

 

Mr. Naishad J Ashar, Director Finance

 

Mr. Naishad J Ashar, the director of Finance, is a qualified cost and works accountant with a professional degree in ICWAI. A unique blend of personality lies in him as a finance person with marketing flair. Mr. Naishad, has a track record of continuous performance for more than 24 years, with half of working life spent with one of the largest Textile Industry at various senior positions. Last 12 years in Logistics Trade, he has been able to create various financial models for logistics industry. His unique skills and talent to decipher financial result helps the organisation in giving forward direction. Key competency lies in managing growth without influx of working capital provides the company a cutting edge in cost economics.

 

Mr. Satish Madhavan, Director HR and Systems

 

Mr. Satish Madhavan, the Director of HR and Systems at Subject, holds degree in Science and graduated with a professional degree in Personnel Management and Industrial Relation, PGDPM and IR, MBA in marketing. With 17 years experience in different Industry segments namely FMCG, Pharmaceutical and Logistics Trade, gives an ease to understand the supply chain requirement of any organizational needs. Last 12 years as a hard core logistician has served the industry at various senior positions and in different industry verticals. Mr. Satish, has his core competency in integrating different products, Project cargo, Tender Management, Supply chain and setting up logistic case studies.

 

Mr. Rajesh A, Director Operations

 

Mr. Rajesh, the Director of Operations at Subject, is a post graduate in Arts. His experience of more than 16 years in Freight and Logistics, at very senior levels enabled him to set up International Trade lanes, setting up operation in complex markets. Mr. Rajesh has to his credit of setting up China and Far East trade routes in past stint. A skilled administrator and an intuitive mind has successfully played role of setting up policies and procedures.

 

Mr. Upen Ashar, Director Marketing

 

Mr. Upen Ashar, the director of Sales and Marketing at subject, holds a degree in Commerce. Mr. Upen has held key portfolios in logistic industry for past 14 years and have served at different senior levels. Earlier stint in a reputed pharmaceutical company for 5 years makes him dextrous with multiple functional roles, more prominent in the areas of sales and marketing. Mr. Upen has also been instrumental in building Europe trade links with focus on UK and Italy markets, which also included a stay in UK for setting up business bilateral trade lanes. Textile, Leather, Fashion logistics are an interesting subject for him.

 

 


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 records 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 records 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]         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.61.94

UK Pound

1

Rs.102.06

Euro

1

Rs.84.31

 

 

INFORMATION DETAILS

 

Information Gathered by :

HTL

 

 

Report Prepared by :

SMN


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

5

PAID-UP CAPITAL

1~10

5

OPERATING SCALE

1~10

5

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

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

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

DEFAULTERS

 

 

--RBI

YES/NO

NO

--EPF

YES/NO

NO

TOTAL

 

45

 

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

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NB

                                       New Business

 

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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.