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Report No. : |
317495 |
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Report Date : |
15.04.2015 |
IDENTIFICATION DETAILS
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Name : |
BEBB INDIA PRIVATE LIMITED |
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Registered
Office : |
1-B, Vikrant Enclave, Mayapuri, New Delhi, Delhi – 110064 |
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Tel No.: |
Not Available |
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Country : |
India |
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Financials (as
on) : |
31.03.2014 |
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Date of
Incorporation : |
30.01.2012 |
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Com. Reg. No.: |
55-230723 |
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Capital
Investment / Paid-up Capital : |
Rs.0.762 Million |
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CIN No.: [Company Identification
No.] |
U74900DL2012PTC230723 |
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TIN No.: |
07700427081 |
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TAN No.: [Tax Deduction &
Collection Account No.] |
Not Available |
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PAN No.: [Permanent Account No.] |
Not Available |
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Legal Form : |
Private Limited Liability Company |
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Line of Business
: |
Trade and Dealer of Metals, TMT bars, Cement, Tiles, Ink, Paint,
Plastic, Polymers, Cables, Plywood. |
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No. of Employees
: |
50 (Approximately) |
RATING & COMMENTS
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MIRA’s Rating : |
B (27) |
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RATING |
STATUS |
PROPOSED CREDIT LINE |
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26-40 |
B |
Capability to overcome financial difficulties seems comparatively
below average. |
Small |
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Maximum Credit Limit : |
USD 900000 |
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Status : |
Moderate |
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Payment Behaviour : |
Slow but correct |
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Litigation : |
Clear |
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Comments : |
The subject is a company with limited operational history incorporated
in the year Jan 2012. The company has incurred consecutive losses. However, trade relation seems to be fair. Business is active. Payments
are reported to be slow but correct. The company can be considered for business dealings with caution. |
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 – December 31, 2014
|
Country Name |
Previous Rating (30.09.2014) |
Current Rating (31.12.2014) |
|
India |
A1 |
A1 |
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Risk Category |
ECGC
Classification |
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Insignificant |
A1 |
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Low |
A2 |
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Moderate |
B1 |
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High |
B2 |
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Very High |
C1 |
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Restricted |
C2 |
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Off-credit |
D |
EXTERNAL AGENCY RATING
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Rating Agency Name |
Not Available |
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Rating |
Not Available |
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Rating Explanation |
Not Available |
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Date |
Not Available |
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
31-03-2014.
INFORMATION PARTED BY
|
Name : |
Mr. Swarnima Bhardwaj |
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Designation : |
Company Secretary |
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Mobile No.: |
91-9999570143 |
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Date : |
13.04.2015 |
LOCATIONS
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Registered Office : |
1-B, Vikrant Enclave, Mayapuri, New Delhi, Delhi – 110064, India |
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Tel. No.: |
Not Available |
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Mobile No.: |
91-9999570143 (Mr. Swarnima Bhardwaj) |
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Fax No.: |
Not Available |
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E-Mail : |
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Website : |
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Corporate Office : |
Plot No. 88, Ground Floor, Phase-4 Udyog Vihar, Phase- IV, Gurgaon - 122015, Haryana, India |
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Tel. No.: |
91-124-4412695/ 4412696, 1800-103-2322 |
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Fax No.: |
Not Available |
DIRECTORS
As on 30.09.2014
|
Name : |
Mr. Ramaswamy Narayan |
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Designation : |
Director |
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Address : |
H. No. EO - 91, EOGH - 93, Shri Harihant Society, Gurgaon –
122007, Haryana, India |
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Date of Birth/Age : |
26.01.1967 |
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Date of Appointment : |
30.01.2012 |
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DIN No.: |
00304905 |
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Other Directorship:
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Name : |
Mr. Snehashish Bhattacharjee |
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Designation : |
Director |
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Address : |
J 1934, Chittaranjan Park, New Delhi – 110019, India |
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Date of Birth/Age : |
11.01.1968 |
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Date of Appointment : |
30.01.2012 |
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DIN No.: |
00188864 |
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Other Directorship:
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Name : |
Mr. Parag Dhol |
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Designation : |
Director |
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Address : |
A1, Block 1, Samita Castle, Apartment Varthur, Road, Nagavarapalya,
Bangalore – 560093, Karnataka, India |
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Date of Birth/Age : |
30.11.1968 |
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Date of Appointment : |
29.06.2012 |
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DIN No.: |
02641114 |
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Other Directorship:
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Name : |
Balchandran Mahendran |
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Designation : |
Nominee Director |
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Address : |
301, F Block Raheja, Residency, Koramangala, Bangalore – 560034,
Karnataka, India |
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Date of Birth/Age : |
04.12.1964 |
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Date of Appointment : |
28.06.2013 |
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DIN No.: |
00121640 |
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Other Directorship:
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Name : |
Mr. Vani Kola |
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Designation : |
Nominee Director |
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Address : |
7142, Prestige Shanitiniketan, ITPL Main Road, Whitefield,
Mahadevpura Post, Bangalore – 560048, Karnataka, India |
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Date of Birth/Age : |
23.01.1964 |
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Date of Appointment : |
19.12.2012 |
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DIN No.: |
01827653 |
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Other Directorship:
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KEY EXECUTIVES
|
Name : |
Mr. Swarnima Bhardwaj |
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Designation : |
Company Secretary |
MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN
As on 30.09.2014
|
Names of Shareholders (Equity Shares) |
No. of Shares |
|
Narayan Ramaswamy |
210000 |
|
Debabrata Majumdar |
31200 |
|
Sbehashish Bhattacharjee |
33000 |
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Subinder Jeet Singh Khurana |
4650 |
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Inventories Capital Partners (Mauritius) |
207 |
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Kalaari Capital Partners II |
30657 |
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Accel India |
278 |
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Total |
309992 |
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Names of Shareholders (Preference Shares) |
No. of Shares |
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Inventories Capital Partners (Mauritius) |
169647 |
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Kalaari Capital Partners II |
230811 |
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Accel India |
221605 |
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Total |
622063 |
As on 11.02.2015
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Names of Allottee (Preference Shares) |
No. of Shares |
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India Asset Real Flexi Opportunities Development LLP |
1014 |
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Total |
1014 |
Equity Share Break up (Percentage of Total Equity)
As on 30.09.2014
|
Category |
Percentage |
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Foreign holdings( Foreign institutional
investor(s), Foreign companies Foreign financial institution(s), Non-resident
Indian(s) or Overseas Corporate bodies or Others |
9.96 |
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Directors or relatives of Directors |
78.46 |
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Other top fifty shareholders |
11.58 |
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Total |
100.00 |

BUSINESS DETAILS
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Line of Business : |
Trade and Dealer of Metals, TMT bars, Cement, Tiles, Ink, Paint,
Plastic, Polymers, Cables, Plywood. |
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Products : |
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Brand Names : |
“Power2sme” |
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Agencies Held : |
Not Available |
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Exports : |
Not Divulged |
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Imports : |
Not Divulged |
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Terms : |
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Selling : |
Cash and Credit (30,60,90 Days) |
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Purchasing : |
Cash and Credit (30,60,90 Days) |
PRODUCTION STATUS NOT AVAILABLE
GENERAL INFORMATION
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Suppliers : |
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Customers : |
End Users and OEMs
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No. of Employees : |
50 (Approximately) |
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Bankers : |
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Auditors : |
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Name : |
Harit Saris and Associates Chartered Accountants |
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Address : |
104, Lower Ground Floor, Pocket A -8, Kalkaji Extension, New Delhi,
Delhi – 110019, India |
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Tel. No.: |
91-11-29989703/04, 41618989 |
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Fax No.: |
91-11-29989705 |
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E-Mail : |
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PAN N Income-tax PAN of auditor or auditor's firm : |
AACFH4096B |
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Memberships : |
Not Available |
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Collaborators : |
Not Available |
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Subsidiaries Companies : |
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CAPITAL STRUCTURE
As on 30.09.2014
Authorised Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
|
|
|
|
|
701408 |
Equity Shares |
Rs.01/- each |
Rs.0.701 Million |
|
698592 |
Preference Shares |
Rs.01/- each |
Rs.0.699 Million |
|
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Total |
|
Rs. 1.400
Million |
Issued, Subscribed & Paid-up Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
|
|
|
|
|
309992 |
Equity Shares |
Rs.01/- each |
Rs.0.310
Million |
|
622063 |
Preference Shares |
Rs.01/- each |
Rs.0.622
Million |
|
|
Total |
|
Rs.0.932 Million |
As on 31.03.2014
Authorised Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
|
|
|
|
|
700000 |
Equity Shares |
Rs.01/- each |
Rs.0.700 Million |
|
136 |
“Series A1” Equity Shares |
Rs.01/- each |
Rs.0.000 Million |
|
136 |
“Series A2” Equity Shares |
Rs.01/- each |
Rs.0.000 Million |
|
136 |
“Series A3” Equity Shares |
Rs.01/- each |
Rs.0.000 Million |
|
1000 |
“Series B” Equity Shares |
Rs.01/- each |
Rs.0.001 Million |
|
299592 |
“Series A” Preference Shares |
Rs.01/- each |
Rs.0.300 Million |
|
199000 |
“Series B” Preference Shares |
Rs.01/- each |
Rs.0.199 Million |
|
|
Total |
|
Rs. 1.200 Million |
Issued, Subscribed & Paid-up Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
|
|
|
|
|
309300 |
Equity Shares 309300 |
Rs.01/- each |
Rs. 0.309
Million |
|
136 |
“Series A1” Equity Shares |
Rs.01/- each |
Rs.0.000 Million |
|
136 |
“Series A2” Equity Shares |
Rs.01/- each |
Rs.0.000 Million |
|
136 |
“Series A3” Equity Shares |
Rs.01/- each |
Rs.0.000 Million |
|
284 |
“Series B” Equity Shares |
Rs.01/- each |
Rs.0.000 Million |
|
269787 |
“Series A” Preference Shares |
Rs.01/- each |
Rs.0.270 Million |
|
182000 |
“Series B” Preference Shares |
Rs.01/- each |
Rs.0.182 Million |
|
|
Total |
|
Rs. 0.761 Million |
FINANCIAL DATA
[all figures are
in Rupees Million]
ABRIDGED BALANCE
SHEET
|
SOURCES OF FUNDS |
31.03.2014 |
31.03.2013 |
31.03.2012 |
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I.
EQUITY AND LIABILITIES |
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(1)Shareholders' Funds |
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|
|
|
(a) Share Capital |
0.762 |
0.579 |
0.300 |
|
(b) Reserves &
Surplus |
330.941 |
86.836 |
(0.032) |
|
(c) Money received
against share warrants |
0.000 |
0.000 |
0.000 |
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|
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(2) Share Application
money pending allotment |
0.000 |
0.000 |
0.000 |
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Total Shareholders’ Funds
(1) + (2) |
331.703 |
87.415 |
0.268 |
|
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(3) Non-Current
Liabilities |
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|
|
|
(a) long-term borrowings |
0.000 |
0.000 |
0.000 |
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(b) Deferred tax
liabilities (Net) |
0.000 |
0.000 |
0.000 |
|
(c) Other long term
liabilities |
0.000 |
0.000 |
0.000 |
|
(d) long-term provisions |
1.223 |
0.596 |
0.000 |
|
Total Non-current
Liabilities (3) |
1.223 |
0.596 |
0.000 |
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|
|
|
|
(4) Current Liabilities |
|
|
|
|
(a) Short term borrowings |
0.000 |
0.000 |
0.000 |
|
(b) Trade payables |
31.140 |
29.831 |
0.046 |
|
(c) Other current
liabilities |
3.889 |
1.239 |
0.000 |
|
(d) Short-term provisions |
0.003 |
3.200 |
0.000 |
|
Total Current Liabilities
(4) |
35.032 |
34.270 |
0.046 |
|
|
|
|
|
|
TOTAL |
367.958 |
122.281 |
0.314 |
|
|
|
|
|
|
II.
ASSETS |
|
|
|
|
(1) Non-current assets |
|
|
|
|
(a) Fixed Assets |
|
|
|
|
(i) Tangible assets |
4.466 |
5.561 |
0.000 |
|
(ii) Intangible Assets |
2.736 |
0.499 |
0.000 |
|
(iii) Capital
work-in-progress |
3.866 |
2.401 |
0.000 |
|
(iv) Intangible assets
under development |
0.000 |
0.000 |
0.000 |
|
(b) Non-current
Investments |
0.100 |
0.099 |
0.000 |
|
(c) Deferred tax assets
(net) |
28.942 |
18.371 |
0.014 |
|
(d) Long-term Loan and Advances |
5.196 |
2.588 |
0.000 |
|
(e) Other Non-current
assets |
0.000 |
0.000 |
0.000 |
|
Total Non-Current Assets |
45.306 |
29.519 |
0.014 |
|
|
|
|
|
|
(2) Current assets |
|
|
|
|
(a) Current investments |
0.000 |
0.000 |
0.000 |
|
(b) Inventories |
2.018 |
0.869 |
0.000 |
|
(c) Trade receivables |
154.794 |
46.176 |
0.000 |
|
(d) Cash and cash
equivalents |
141.407 |
41.465 |
0.300 |
|
(e) Short-term loans and
advances |
10.273 |
3.758 |
0.000 |
|
(f) Other current assets |
14.160 |
0.494 |
0.000 |
|
Total Current Assets |
322.652 |
92.762 |
0.300 |
|
|
|
|
|
|
TOTAL |
367.958 |
122.281 |
0.314 |
PROFIT & LOSS
ACCOUNT
|
|
PARTICULARS |
31.03.2014 |
31.03.2013 |
31.03.2012 |
|
|
SALES |
|
|
|
|
|
Income |
582.217 |
177.822 |
|
|
|
Other Income |
10.615 |
0.491 |
NA |
|
|
TOTAL (A) |
592.832 |
178.313 |
|
|
|
|
|
|
|
|
Less |
EXPENSES |
|
|
|
|
|
Cost of Materials
Consumed |
0.000 |
0.000 |
|
|
|
Purchases of
Stock-in-Trade |
560.660 |
172.652 |
|
|
|
Changes in inventories of
finished goods, work-in-progress and Stock-in-Trade |
(1.149) |
(0.869) |
NA |
|
|
Employees benefits
expense |
67.410 |
32.569 |
|
|
|
Other expenses |
56.668 |
31.787 |
|
|
|
TOTAL (B) |
683.589 |
236.139 |
|
|
|
|
|
|
|
|
Less |
PROFIT/ (LOSS) BEFORE INTEREST, TAX, DEPRECIATION AND
AMORTISATION (C) |
(90.757) |
(57.826) |
NA |
|
|
|
|
|
|
|
Less |
FINANCIAL EXPENSES (D) |
0.708 |
0.282 |
NA |
|
|
|
|
|
|
|
|
PROFIT / (LOSS) BEFORE TAX,
DEPRECIATION AND AMORTISATION (C-D) (E) |
(91.465) |
(58.108) |
(1.100) |
|
|
|
|
|
|
|
Less/ Add |
DEPRECIATION/
AMORTISATION (F) |
2.232 |
1.353 |
3.500 |
|
|
|
|
|
|
|
|
PROFIT/ (LOSS) BEFORE TAX
(E-F) (G) |
(93.697) |
(59.461) |
(4.600) |
|
|
|
|
|
|
|
Less |
TAX (H) |
(10.570) |
(18.357) |
(1.400) |
|
|
|
|
|
|
|
|
PROFIT/ (LOSS) AFTER TAX (G-H)
(I) |
(83.127) |
(41.104) |
(3.200) |
|
|
|
|
|
|
|
|
Earnings / (Loss) Per
Share (Rs.) |
(238.22) |
(132.72) |
NA |
Expected Sales (2014-2015): Rs. 700.000 Million
The above information has been parted by Mr. Swarnima Bhardwaj (Company
Secretary).
KEY RATIOS
|
PARTICULARS |
|
31.03.2014 |
31.03.2013 |
31.03.2012 |
|
Net Profit Margin (PAT / Sales) |
(%) |
(14.28) |
(23.12) |
NA |
|
|
|
|
|
|
|
Operating Profit Margin (PBIDT/Sales) |
(%) |
(15.59) |
(32.52) |
NA |
|
|
|
|
|
|
|
Return on Total Assets (PBT/Total Assets} |
(%) |
(27.97) |
(58.63) |
(14.65) |
|
|
|
|
|
|
|
Return on Investment (ROI) (PBT/Networth) |
|
(0.28) |
(0.68) |
(17.16) |
|
|
|
|
|
|
|
Debt Equity Ratio (Total Debt /Networth) |
|
0.00 |
0.00 |
0.00 |
|
|
|
|
|
|
|
Current Ratio (Current Asset/Current Liability) |
|
9.21 |
2.71 |
6.52 |
FINANCIAL ANALYSIS
[all figures are
in Rupees Million]
DEBT EQUITY RATIO
|
Particular |
31.03.2013 |
31.03.2014 |
|
|
(Rs. In Million) |
(Rs. In Million) |
|
Share Capital |
0.579 |
0.762 |
|
Reserves & Surplus |
86.836 |
330.941 |
|
Share Application money pending allotment |
|
|
|
Net worth |
87.415 |
331.703 |
|
|
|
|
|
long-term borrowings |
0.000 |
0.000 |
|
Short term borrowings |
0.000 |
0.000 |
|
Total borrowings |
0.000 |
0.000 |
|
Debt/Equity ratio |
0.000 |
0.000 |

YEAR-ON-YEAR GROWTH
|
Year on Year Growth |
31.03.2013 |
31.03.2014 |
|
|
(Rs. In Million) |
(Rs. In Million) |
|
Sales |
177.822 |
582.217 |
|
|
227.416 |

NET PROFIT MARGIN
|
Net Profit Margin |
31.03.2013 |
31.03.2014 |
|
|
(Rs. In Million) |
(Rs. In Million) |
|
Sales |
177.822 |
582.217 |
|
Profit |
(41.104) |
(83.127) |
|
|
(23.12%) |
(14.28%) |

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
two 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) |
No |
|
21] |
Market information |
-- |
|
22] |
Litigations that the firm
/ promoter involved in |
-- |
|
23] |
Banking Details |
Yes |
|
24] |
Banking facility details |
Yes |
|
25] |
Conduct of the banking
account |
-- |
|
26] |
Buyer visit details |
-- |
|
27] |
Financials, if provided |
Yes |
|
28] |
Incorporation details, if
applicable |
Yes |
|
29] |
Last accounts filed at
ROC |
Yes |
|
30] |
Major Shareholders, if
available |
Yes |
|
31] |
Date of Birth of
Proprietor/Partner/Director, if available |
Yes |
|
32] |
PAN of
Proprietor/Partner/Director, if available |
No |
|
33] |
Voter ID No of Proprietor/Partner/Director,
if available |
No |
|
34] |
External Agency Rating,
if available |
No |
Notes:
Background:
Bebb India Private Limited (the Company) is a company incorporated as a private
limited company under the companies Act, 1956 on 30 January 2012. To engaged as
traders, distributors, consignors, agents, factors, stockiest for all kinds of
plants, equipment, apparatus, tools, utensils, accessories, instruments,
commodities, substances, articles in general and specific for carrying on the
business of the company by way of using IT enabled systems and web based
software and including production, storage, distribution, marketing and sale of
goods.
|
S.No. |
Charge ID |
Date of Charge Creation/Modification |
Charge amount secured |
Charge Holder |
Address |
Service Request Number (SRN) |
|
1 |
10559310 |
20/03/2015 |
60,000,000.00 |
SVB INDIA FINANCE PRIVATE LIMITED |
12th FLOOR, EXPRESS TOWERS,, NARIMAN POINT,,MUMBAI - 400021, Maharashtra, INDIA |
C49183874 |
FIXED ASSETS
Tangible Assets:
Intangible Assets:
CMT REPORT (Corruption, Money Laundering & Terrorism]
The Public Notice information has been collected from various sources
including but not limited to: The Courts,
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.62.39 |
|
|
1 |
Rs.91.06 |
|
Euro |
1 |
Rs.66.16 |
INFORMATION DETAILS
|
Information
Gathered by : |
PRP |
|
|
|
|
Analysis Done by
: |
SUC |
|
|
|
|
Report Prepared
by : |
GTA |
SCORE & RATING EXPLANATIONS
|
SCORE FACTORS |
RANGE |
POINTS |
|
HISTORY |
1~10 |
3 |
|
PAID-UP CAPITAL |
1~10 |
3 |
|
OPERATING SCALE |
1~10 |
3 |
|
FINANCIAL
CONDITION |
|
|
|
--BUSINESS SCALE |
1~10 |
3 |
|
--PROFITABILITY |
1~10 |
3 |
|
--LIQUIDITY |
1~10 |
3 |
|
--LEVERAGE |
1~10 |
3 |
|
--RESERVES |
1~10 |
3 |
|
--CREDIT LINES |
1~10 |
3 |
|
--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 |
|
27 |
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 |
-- |
This report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or
its officials.