MIRA INFORM REPORT

 

 

Report Date :

23.01.2014

 

IDENTIFICATION DETAILS

 

Name :

SHANKAR PACKAGINGS LIMITED

 

 

Formerly Known As :

SHANKAR PACKAGINGS PRIVATE LIMITED

 

 

Registered Office :

303, Turf Estate, Dr. E. Moses Road, Shakti Mills Lane, Mumbai – 400 011, Maharashtra

 

 

Country :

India

 

 

Financials (as on) :

31.03.2013

 

 

Date of Incorporation :

06.05.1985

 

 

Com. Reg. No.:

11-036120

 

 

Capital Investment / Paid-up Capital :

Rs.28.049 millions

 

 

CIN No.:

[Company Identification No.]

U25202MH1985PLC036120

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

BRDS01961B / MUMS40482B /  MUMS40819C

 

 

PAN No.:

[Permanent Account No.]

AAACS8076P

 

 

Legal Form :

A Closely Held Public Limited Liability Company

 

 

Line of Business :

Manufacturing of FIBC Bags.

 

 

No. of Employees :

Information declined by Management.

 

 

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 2911000

 

 

Status :

Satisfactory

 

 

Payment Behaviour :

Regular

 

 

Litigation :

Clear

 

 

Comments :

Subject is an established company having satisfactory track record.

 

Overall financial position of the company appears to be sound.

 

Trade relation are reported to be fair. Business is active. Payment terms are reported to be regular and as per commitment.

 

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.

 

EXTERNAL AGENCY RATING

 

Rating Agency Name

CRISIL

Rating

Long term rating : BBB+

Rating Explanation

Moderate degree of safety and moderate credit risk.

Date

30.04.2013

 

Rating Agency Name

CRISIL

Rating

Short term rating : A2

Rating Explanation

Strong degree of safety and low credit risk.

Date

30.04.2013

 

 

RBI DEFAULTERS’ LIST STATUS

 

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

 

EPF (Employee Provident Fund) DEFAULTERS’ LIST STATUS

 

Subject’s name is not enlisted as a defaulter in the publicly available EPF (Employee Provident Fund) Defaulters’ list as of 31-03-2012.

 

INFORMATION DECLINED

 

Management non-cooperative

 

(Tel. No.: 91-22-24903236)

 

LOCATIONS

 

Registered Office/ Corporate Office :

303, Turf Estate, Dr. E. Moses Road, Shakti Mills Lane, Mumbai – 400 011, Maharashtra, India

Tel. No.:

91-22-24903236/ 24903225/ 24903228

Fax No.:

91-22-24903227

E-Mail :

shankar1@mtnl.net.in

corporate@shankarpack.com

prama142@hotmail.com

info@shankarpack.com
hr@shankarpack.com

sales@shankarpack.com

Website :

http://www.shankarpack.com

 

 

Factory/ Sales Office :

2-3-4-5-6, GIDC Estate, Vaghodia, District Vadodara – 391 760, Gujarat, India

Tel. No.:

91-2668-262334/ 262434

Fax No.:

91-2668-262833

E-Mail :

info@shankarpack.com

 

 

Branch Office :

(Hyderabad - Marketing)

508, Maheshwari Chambers, Somajiguda, Hyderabad – 500 082, Andhra Pradesh, India

Tel. No.:

91-40-40038828

 

 

DIRECTORS

 

AS ON 30.09.2013

 

 

 

Name :

Mr. Gaj Singh Jodhpur

Designation :

Director

Address :

Umaid Bhavan Palace, Jodhpur – 342 006, Rajasthan, India

Date of Birth/Age :

13.01.1948

Qualification :

MBA

Date of Appointment :

27.02.1988

DIN No.:

00061278 

 

 

Name :

Mr. Govind Shankar Pandya

Designation :

Director

Address :

A-5, Garibdas CHSL, N.S. Road No.5, JVPD Scheme, Mumbai – 400 049, Maharashtra, India

Date of Birth/Age :

19.03.1930

Qualification :

CA

Date of Appointment :

01.04.1986

DIN No.:

00316822

PAN No.:

AADPP9794R

 

 

Name :

Mr. Praveen Shankar Pratap Shankar Pandya

Designation :

Director

Address :

132/133, 13th Floor, D Building, Petit Hall 66, Nepean Sea Road, Mumbai – 400 006, Maharashtra, India

Date of Birth/Age :

04.10.1950

Qualification :

CA

Date of Appointment :

06.05.1985

DIN No.:

00316843

 

 

Name :

Mr. Anandshankar Revashankar Pandya

Designation :

Director

Address :

1402, Pleasant Palace, 16, Narayan Dabholkar Road, Mumbai – 400 006, Maharashtra, India

Date of Birth/Age :

11.04.1923

Qualification :

BA

Date of Appointment :

06.05.1985

DIN No.:

01163634

 

 

Name :

Mr. Akshayshankar Pratapshankar Pandya

Designation :

Director

Address :

112-A, Paradise Apartments, 44, Nepean Sea Road, Mumbai – 400 006, Maharashtra, India

Date of Birth/Age :

02.06.1965

Qualification :

B.Com

Date of Appointment :

21.09.2010

DIN No.:

01557239

 

 

Name :

Mr. Vikramshankar Govindshankar Pandya

Designation :

Managing Director

Address :

A/5, Garib CHSL, N.S. Road No.5, JVPD, Juhu, Mumbai – 400 049, Maharashtra, India

Date of Birth/Age :

16.04.1961

Qualification :

MBA

Date of Appointment :

09.04.2008

DIN No.:

01595269

PAN No.:

AGJPP9410C

 

 

Name :

Mr. Rajeevshankar Anandshankar Pandya

Designation :

Additional Director

Address :

A-273-283, Kalpataru Horizon Tower, 28th Floor, S.K. Ahire Marg, Near Doordarshan, Worli, Mumbai – 400 018, Maharashtra, India 

Date of Birth/Age :

02.11.1951

Date of Appointment :

23.11.2013

DIN No.:

01131603

 

 

KEY EXECUTIVES

 

Name :

Mr. Pranab Lalit Mitra

Designation :

Secretary

Address :

302, Usha Sadan, Marol, Andheri (East), Mumbai – 400 059, Maharashtra, India

Date of Birth/Age :

24.05.1960

Date of Appointment :

01.01.1986

PAN No.:

AAFPM3756L

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

AS ON 30.09.2013

 

Names of Shareholders

 

No. of Shares

Praveen Shankar Pandya

35547

Rajeev Shankar Pandya

144500

Umaid Investment Company (Private) Limited, India

690000

Govind Shankar Pandya

147375

Vikram Shankar Pandya

290905

Alka Rajeev Pandya

31625

Rati Pandya

1572

Aprna Kulkarni

5750

Manoj Selot

5750

Sangeeta Pandya

46000

Namita Praveen Pandya

29274

Urvashi B. Bhatt

2185

Akshay Shankar Pandya

34500

Ankur Jyoti Shankar Pandya

120000

Saroj Pandya

62360

Shivani Pandya

34500

Shuchi Pandya

34500

Avinash Pandya

70437

Siddarth Pandya

70437

Vivek Pandya

65500

Shankar Securities (Private) Limited, India

150000

Bulk Bags India Limited, India

391100

Dolphin Investments Limited, Hong Kong

150600

Jyotishankar A. Pandya, USA

Nandini Jyotishankar Pandya, USA

43125

Revashankar Gems Limited, India

11250

Shankar Jewels Limited, India

11250

Shankar Realty Private Limited, India

22590

R.D. Pandya (HUF)

650

Dhruv Akshay Pandya

35938

Kashyap Akshay Pandya

24438

 

AS ON 30.09.2013

 

Equity Share Breakup

 

Percentage of Holding

Category

 

 

Foreign holdings [Foreign institutional investors, Foreign Companies, Foreign Financial Institutions, Non-resident Indian or Overseas corporate bodies or others]

 

13.00

Bodies corporate

 

21.00

Directors or relatives of directors

 

66.00

Total

 

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Manufacturing of FIBC Bags.

 

 

Products :

ITC Code Number

 

Description of Product or Services

39.23.90

FIBC

39.2032

Tape

39.26.90

Fabric

 

 

PRODUCTION STATUS (AS ON 31.03.2011):

 

Particulars

Unit

Installed Capacity

Actual Production

Woven Stocks

MT

15264

11909

 

 

GENERAL INFORMATION

 

No. of Employees :

Information declined by Management.

 

 

Bankers :

·         State Bank of India, Mid Corporate Group Industrial Finance Branch, Marble Arch, Race Course Circle, Vadodara – 390 007, Gujarat, India

·         The Hongkong and Shanghai Banking Corporation Limited, 52/60 Mahatma Gandhi Road, Fort , Mumbai – 400 001, Maharashtra, India

·         Standard Chartered Bank, Abhijeet II, Ground Floor, Near Mithakali Six Roads, Ahmedabad – 380 006, Gujarat, India

 

 

Facilities :

Secured Loans

31.03.2013

(Rs. in Millions)

31.03.2012

(Rs. in Millions)

LONG-TERM BORROWINGS

 

 

Rupee term loans from banks

138.373

157.859

Deferred payment liabilities

0.272

0.720

Other loans and advances

0.046

0.082

SHORT-TERM BORROWINGS

 

 

Borrowing from government semi-government bodies

462.864

397.307

Total

601.555

555.968

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

Rajendra and Company

Chartered Accountants

Address :

1311, Dalamal Tower, 211, Nariman Point, Mumbai – 400 021, Maharashtra, India

PAN No.:

AAAFR1878D

 

 

Other Related Parties :

Umaid Investment Company Private Limited, India

 

 

CAPITAL STRUCTURE

 

AS ON 30.09.2013

 

Authorised Capital :

No. of Shares

Type

Value

Amount

3000000

Equity Shares

Rs.10/- each

Rs.30.000 millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

2804953

Equity Shares

Rs.10/- each

Rs.28.049 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

28.049

28.049

28.049

(b) Reserves & Surplus

699.693

572.433

470.489

(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)

727.742

600.482

498.538

 

 

 

 

(3) Non-Current Liabilities

 

 

 

(a) Long-term borrowings

149.174

168.067

108.384

(b) Deferred tax liabilities (Net)

64.387

52.052

31.944

(c) Other long term liabilities

62.229

58.272

11.070

(d) Long-term provisions

12.009

9.999

10.276

Total Non-current Liabilities (3)

287.799

288.390

161.674

 

 

 

 

(4) Current Liabilities

 

 

 

(a) Short term borrowings

462.864

397.307

292.677

(b) Trade payables

114.798

89.692

75.183

(c) Other current liabilities

130.781

117.284

72.423

(d) Short-term provisions

73.344

45.584

43.376

Total Current Liabilities (4)

781.787

649.867

483.659

 

 

 

 

TOTAL

1797.328

1538.739

1143.871

 

 

 

 

II.      ASSETS

 

 

 

(1) Non-current assets

 

 

 

(a) Fixed Assets

 

 

 

(i) Tangible assets

836.884

822.116

523.065

(ii) Intangible Assets

0.000

0.000

0.000

(iii) Capital work-in-progress

11.663

0.014

43.237

(iv) Intangible assets under development

0.000

0.000

0.000

(b) Non-current Investments

18.015

4.250

4.244

(c) Deferred tax assets (net)

0.000

0.000

0.000

(d)  Long-term Loan and Advances

66.495

28.255

21.104

(e) Other Non-current assets

0.000

0.000

0.000

Total Non-Current Assets

933.057

854.635

591.650

 

 

 

 

(2) Current assets

 

 

 

(a) Current investments

24.838

20.837

33.998

(b) Inventories

257.816

230.384

239.578

(c) Trade receivables

294.587

176.189

135.422

(d) Cash and cash equivalents

97.275

52.471

27.712

(e) Short-term loans and advances

138.416

172.462

111.892

(f) Other current assets

51.339

31.761

3.619

Total Current Assets

864.271

684.104

552.221

 

 

 

 

TOTAL

1797.328

1538.739

1143.871

 

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

31.03.2013

31.03.2012

31.03.2011

 

SALES

 

 

 

 

 

Revenue from operations

2411.866

2044.261

1609.516

 

 

Other Income

10.402

6.461

5.995

 

 

TOTAL                                     (A)

2422.268

2050.722

1615.511

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Cost of materials consumed

1260.311

1115.188

885.565

 

 

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

18.843

(33.271)

(41.901)

 

 

Employee related expenses

158.561

112.311

92.613

 

 

Other expenses

639.582

582.615

485.414

 

 

TOTAL                                     (B)

2077.297

1776.843

1421.691

 

 

 

 

 

Less

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

344.971

273.879

193.820

 

 

 

 

 

Less

FINANCIAL EXPENSES                         (D)

49.905

43.132

37.872

 

 

 

 

 

 

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

295.066

230.747

155.948

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                     (F)

68.325

51.976

35.115

 

 

 

 

 

 

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

226.741

178.771

120.833

 

 

 

 

 

Less

TAX                                                                  (H)

74.046

54.426

34.378

 

 

 

 

 

 

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

152.695

124.345

86.455

 

 

 

 

 

 

EARNINGS IN FOREIGN CURRENCY

 

 

 

 

 

Export of goods calculated on F.O.B. basis

2091.550

1769.965

1402.700

 

TOTAL EARNINGS

2091.550

1769.965

1402.700

 

 

 

 

 

 

IMPORTS

 

 

 

 

 

Raw Materials

NA

NA

160.272

 

 

Stores & Spares

NA

NA

9.988

 

 

Plant and Machinery

NA

NA

49.467

 

TOTAL IMPORTS

NA

NA

219.727

 

 

 

 

 

 

Earnings/ (Loss) Per Share (Rs.)

48.28

39.25

30.82

 

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2013

31.03.2012

31.03.2011

PAT / Total Income

(%)

6.30

6.06
5.35

 

 

 

 
 

Net Profit Margin

(PBT/Sales)

(%)

9.40

8.75
7.51

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

12.83

11.65

11.02

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

0.31

0.30

0.24

 

 

 

 

 

Debt Equity Ratio

(Total Debt/Networth)

 

0.84

0.94

0.80

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

1.11

1.05

1.14

 

 

LOCAL AGENCY FURTHER INFORMATION

 

Details of 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

65.823

71.317

34.590

 

 

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

Yes

33]

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

No

34]

External Agency Rating, if available

Yes

 

INDEX OF CHARGES:

 

S.No.

Charge ID

Date of Charge Creation/Modification

Charge amount secured

Charge Holder

Address

Service Request Number (SRN)

1

10441432

23/07/2013

200,000,000.00

STANDARD CHARTERED BANK

ABHIJEET II GROUND FLOOR, NEAR MITHAKALI SIX ROADS, AHMEDABAD, GUJARAT - 380006, INDIA

B81401101

2

10436178

28/06/2013

50,000,000.00

STANDARD CHARTERED BANK

ABHIJEET II, GROUND FLOOR, NEAR MITHAKALI SIX ROADS, AHMEDABAD, GUJARAT - 380006, INDIA

B79332813

3

10062886

09/01/2014 *

1,473,000,000.00

STATE BANK OF INDIA

MID CORPORATE GROUP INDUSTRIAL FINANCE BRANCH, MARBLE ARCH, RACE COURSE CIRCLE, VADODARA, GUJARAT
- 390007, INDIA

B94021383

4

90210878

08/08/1996 *

50,013,000.00

STATE BANK OF INDIA

COMERCIAL BRANCH, JUSTICE GN VAIDAY MARG, MUMBAI,
MAHARASHTRA - 400023, INDIA

-

5

90215987

15/12/1995

50,013,000.00

STATE BANK OF INDIA

COMMERCIAL BRANCH, MUMBAI, MAHARASHTRA - 400023, INDIA

-

6

90212351

18/03/1993

4,348,000.00

STATE BANK OF INDIA

COMERCIAL BRANCH, JUSTICE GN VAIDAY MARG, MUMBAI,
MAHARASHTRA - 400023, INDIA

-

7

90212300

30/11/2006 *

300,000,000.00

STATE BANK OF INDIA

INDUSTRIAL FIANANCE BRANCH, 'THE ARCADE', 2ND FLOOR, WORLD TRADE CENTRE,CUFFE PARADE, MUMBAI, MAHARASHTRA - 400005, INDIA

-

8

90236969

31/10/2005 *

33,263,000.00

STATE BANK OF INDIA

INDUSTRIAL FINANCE BRANCH, CUFFE PARADE, MUMBAI,
MAHARASHTRA - 400005, INDIA

-

9

90212136

24/12/1990

13,000,000.00

STATE BANK OF INDIA

COMMERCIAL BRANCH, JUSTICE G.N. VAIDYA MARG, MUMBAI, MAHARASHTRA - 400023, INDIA

-

10

90211883

13/02/1989

12,000,000.00

STATE BANK OF INDIA

COMERCIAL BRANCH, JUSTICE GN VAIDAY MARG, MUMBAI,
MAHARASHTRA - 400023, INDIA

-

11

90211685

08/09/1987

8,900,000.00

STATE BANK OF INDIA

COMMERCIAL BRANCH, JUSTICE G.N. VAIDYA MARG, MUMBAI, MAHARASHTRA - 400023, INDIA

-

12

90211540

13/02/1989 *

4,000,000.00

STATE BANK OF INDIA

COMERCIAL BRANCH, JUSTICE GN VAIDAY MARG, MUMBAI, MAHARASHTRA - 400023, INDIA

-

13

90214287

29/08/1986

4,000,000.00

STATE BANK OF INDIA

COMMERCIAL BRANCH, JUSTICE G.N. VAIDYA MARG, MUMBAI, MAHARASHTRA - 400023, INDIA

-

14

90214266

29/03/1986

5,000,000.00

STATE BANK OF INDIA

COMERCIAL BRANCH, JUSTICE GN VAIDAY MARG, MUMBAI, MAHARASHTRA - 400023, INDIA

-

 

* Date of charge modification

 

 

Unsecured Loans

31.03.2013

(Rs. in Millions)

31.03.2012

(Rs. in Millions)

LONG-TERM BORROWINGS

 

 

Loans repayable on demand from others

10.483

9.406

Total

10.483

9.406

 

 

 

OPERATING RESULTS AND BUSINESS:

 

The gross turnover of the company for the year increased to Rs.2411.800 millions which is a quantum jump of nearly 18% over the previous year. In tune with increased sales, the profit after tax of the company has gone up from 111.000 millions to 135.400 millions. The total capacity of the company as on date is 17,875 MT per annum. The actual capacity utilization have been 15,470 MT which reflects the capacity utilization of up to 86.55%. The business environment of the company continues to remain favorable barring developments in the global environment.

 

Note:

The Registered address of the company has been shifted from A-4, Purshottam Buildings, Opera House, Mumbai, Maharashtra, India to present address w.e.f. 13.04.2008.

 

FIXED ASSETS:

 

Tangible Assets

·         Land

·         Buildings

·         Plant and Machinery

·         Vehicles

·         Office Equipments

 

 

 


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.61.92

UK Pound

1

Rs.101.98

Euro

1

Rs.83.93

 

 

INFORMATION DETAILS

 

Information Gathered by :

HTL

 

 

Report Prepared by :

SMN


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

6

PAID-UP CAPITAL

1~10

5

OPERATING SCALE

1~10

5

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

6

--PROFITABILIRY

1~10

5

--LIQUIDITY

1~10

6

--LEVERAGE

1~10

6

--RESERVES

1~10

5

--CREDIT LINES

1~10

6

--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

 

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

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.