MIRA INFORM REPORT

 

 

Report No. :

318826

Report Date :

23.04.2015

 

IDENTIFICATION DETAILS

 

Name :

NAKODA CHEMICALS

 

 

Registered Office :

No. 704, 7th Floor, A-Wing, Sunglory Building, Chandivali Farm Road, Tungwa, Andheri (East), Mumbai – 400072, Maharashtra

 

 

Tel. No.:

Not Available

 

 

Country :

India

 

 

Date of Incorporation :

10.12.2014

 

 

Capital Investment :

Not Divulged

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

Not Available

 

 

PAN No.:

[Permanent Account No.]

AALFN4546K

 

 

Legal Form :

Partnership Concern with an Unlimited Liability of the Partners

 

 

Line of Business :

Manufacturer of Bleach Powder, Bleach Liquid, Oil and Grease Treatment Preparation, Packing Material, Plant and Machinery, Sodium Hydroxide, Parts and Accessories Thereof.

 

 

No. of Employees :

6 (Approximately) [In Office]

 

 

RATING & COMMENTS

 

MIRA’s Rating :

NB

 

RATING

STATUS

PROPOSED CREDIT LINE

-

NB

                                       New Business

-

 

Status :

New Concern

 

 

Payment Behaviour :

Unknown

 

 

Litigation :

Clear

 

 

Comments :

Subject is a new partnership concern incorporated as on 10.12.2014 and yet to establish itself gradually.

 

Mr. Vikas Accountant provided general information and also claimed that the concern will start its business operation after their loan is sanction.

 

Payment terms are unknown.

 

The concern can be considered for business dealings on a fully safe and secured 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 – December 31, 2014

 

Country Name

Previous Rating

(30.09.2014)

Current Rating

(31.12.2014)

India

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

EXTERNAL AGENCY RATING

 

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. Vikas

Designation :

Accountant

Contact No.:

91-9252181874

Date :

22.04.2015

 

 

LOCATIONS

 

Registered Office :

No. 704, 7th Floor, A-Wing, Sunglory Building, Chandivali Farm Road, Tungwa, Andheri (East), Mumbai – 400072, Maharashtra, India

Tel. No.:

Not Available

Mobile No.:

91-9414008981 (Mr. Rohit Asawa)

91-9252181874 (Mr. Vikas)

Fax No.:

Not Available

E-Mail :

rohit76bwr@gmail.com

rk_mk365@hotmail.com

itdept@gsv.co.in

 

 

Factory :

Flat F-202, Heerawala Industrial Area (Extn), Kanota, Jaipur – 303012, Rajasthan, India

E-Mail :

rohit76bwr@gmail.com

Location :

Rented

 


 

PARTNERS

 

Name :

Mr. Rohit  Asawa

Designation :

Partner

Address :

Balaji Minchem S-11, 1st Phase, RIICO Industrial Area, Ajmer Road, Beawar - 305901 Rajasthan, India

Date of Birth/Age :

23.12.1976

Qualification :

Graduate

Experience :

More than 10 Years

PAN No.:

ADSPA8385R

Profile :

Mr. Rohit Asawa is chief partner of firm is a well-read and well-travelled energetic young man with lot of ideas to develop the chemical business. He is graduate from Rajasthan. He always had an interest in setting up his own business. He possesses a good experience in chemical business.

 

 

Name :

Mr. Ramesh Chandra Lodha

Designation :

Partner

Address :

1-10-210/B, Ashok Nagar, Hyderabad, Telangana, India

Date of Birth/Age :

13.09.1951

Qualification :

Graduate

Experience :

More than 20 years

PAN No.:

AALPL8879K

Profile :

Ramesh Chandra Lodha was born on 13th September 1952 in a small town called Beawar, in Rajasthan in a business family, He completed his post-graduation in the year 1974 from Beawar, Rajasthan. He started his first firm in 1983 in Hyderabad. Which is Still running in full capacity .He then came into the field of mining and Minerals Processing in Hyderabad with a small Investment but touched a turnover of Rs.2.5 core in the Third Year of its inception.

 

 

Name :

Mrs. Ritu Amit Modani

Designation :

Partner

Address :

Flat No.701, 7th Floor, A-Wing, Raheja Vistas, Chandivali Farm Road, Tungwa, Andheri (East), Mumbai – 400072, Maharashtra, India

Date of Birth/Age :

30.06.1978

Qualification :

MSC

Experience :

More than 5 years

PAN No.:

AFTPM8741C

Passport No.:

F6905912

Profile :

Mrs. Ritu Modani is completed her MSC and she is manage in the field of chemical minerals trade for the last 7 years and has varied experience of chemical business of Mumbai. Business interests vary from manufacture of like bleach liquid Bleaching Powder oil and grease treatment preparation, Packing materials.

 

 

Name :

Mr. Bhuvan Jain

Designation :

Partner

Address :

House No. B-3, 458, Kucha Master, Shamlal Puraria Bazar, Ludhiana – 141008, Punjab, India

Date of Birth/Age :

20.02.1986

Qualification :

Graduate

Experience :

More than 5 Years

PAN No.:

AIWPJ5291J

Profile :

Mr. Bhuvan Jain was born on 20 February 1986 in Ludhiana (Punjab ) and he was completed his MBA from Ludhiana University after that he decided to do service than in starting 5 years after completed his MBA he done job in Kiran Global Chems Limited In Jaipur as unit manager than he got position of sales and production manager after that in 2014 he decided to enter in chemical business

 

 

KEY EXECUTIVES

 

Name :

Mr. Vikas

Designation :

Accountant

 

 

BUSINESS DETAILS

 

Line of Business :

Manufacturer of Bleach Powder, Bleach Liquid, Oil and Grease Treatment Preparation, Packing Material, Plant and Machinery, Sodium Hydroxide, Parts and Accessories Thereof.

 

 

Products :

·         Bleach powder

·         Bleach Liquid

·         Oil and Grease Treatment Preparation

·         Packing Material

·         Plant and Machinery

·         Sodium Hydroxide

 

 

Brand Names :

--

 

 

Agencies Held :

--

 

 

Exports :

--

 

 

Imports :

--

 

 

Terms :

 

Selling :

Others

 

 

Purchasing :

Others

 


 

GENERAL INFORMATION

 

Suppliers :

Reference:

Not Divulged

Name of the Person (with Designation):

Not Divulged

Contact Number:

Not Divulged

Since How Long Known:

Not Divulged

Maximum Limit Dealt:

Not Divulged

Experience :

Not Divulged

Remarks :

Not Divulged

 

 

Customers :

Wholesalers

 

Reference:

Not Divulged

Name of the Person (with Designation):

Not Divulged

Contact Number:

Not Divulged

Since How Long Known:

Not Divulged

Maximum Limit Dealt:

Not Divulged

Experience :

Not Divulged

Remarks :

Not Divulged

 

 

No. of Employees :

6 (Approximately) [In Office]

 

 

Bankers :

Bank Name:

Bank of India

Branch:

Mahalaxmi Branch, Mumba, Maharashtra, India

Name of the Person (with Designation):

Not Divulged

Contact Number:

Not Divulged

Name of Account Holder:

Not Divulged

Account Number:

Not Divulged

Account Since (Date/ Year of A/c Opening):

Not Divulged

Average Balance Maintained (Optional):

Not Divulged

Credit Facilities Enjoyed (CC/OD/Term Loan):

Rs. 12.500 Million

Account Operation:

Not Divulged

Remarks: Not Divulged

 

Banking Relations :

--

 

 

Auditors :

Not Divulged

 

 

Memberships :

--

 

 

Collaborators :

--

 

 

Sister Concerns:

--

 

 

CAPITAL STRUCTURE

 

Capital Investment :

 

Owned :

Not Divulged

Borrowed :

Not Divulged

Total :

--

 

 

FINANCIAL DATA

[all figures are in Rupees Million]

 

NEW CONCERN

 

Note: Sole Proprietary and Partnership concerns are exempted from filing their financials with the Government Authorities or Registry.

 

 

LOCAL AGENCY FURTHER INFORMATION

 

Sr. No.

Check List by Info Agents

Available in Report (Yes / No)

1]

Year of Establishment

Yes

2]

Locality of the firm

Yes

3]

Constitutions of the firm

Yes

4]

Premises details

No

5]

Type of Business

Yes

6]

Line of Business

Yes

7]

Promoter's background

Yes

8]

No. of employees

Yes

9]

Name of person contacted

Yes

10]

Designation of contact person

Yes

11]

Turnover of firm for last three years

No

12]

Profitability for last three years

No

13]

Reasons for variation <> 20%

--

14]

Estimation for coming financial year

Yes

15]

Capital in the business

No

16]

Details of sister concerns

No

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

No

29]

Last accounts filed at ROC

No

30]

Major Shareholders, if available

No

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

Yes

34]

External Agency Rating, if available

No

 

------------------------------------------------------------------------------------------------------------------------------

 

MR. RAMESH CHANDRA LODHA

 

COMPUTATION OF TOTAL INCOME

 

(RS. IN MILLIONS)

 

PARTICULARS

31.03.2014

 

 

Income Before Set Off

Income After Set Off

Income Heads

 

 

 

 

 

Income from Salary

0.000

0.000

 

 

 

Income from House Property

0.203

0.203

 

 

 

Income from Business or Profession

0.367

0.367

 

 

 

Income from Capital Gains

0.000

0.000

 

 

 

Income from Other Sources

0.002

0.002

---------

 

 

 

Gross Total Income

 

0.572

 

 

 

Less: Deduction under Chapter VIA

 

0.124

---------

 

 

 

Total Income

 

0.448

 

 

 

Rounding off u/s 288A

 

0.448

 

 

 

Income Taxable at Normal Rate

 

0.448

 

 

 

Income Taxable at Special Rate

 

0.000

 

 

 

 

TAX CALCULATION

 

 

 

 

Basic Exemption Limit Rs.

0.250

 

Tax at Normal Rates

0.020

 

Total Tax

 

0.020

Less: Tax Rebate u/s 87A

0.002

 

Tax Payable

 

0.018

Add: Education Cess

 

0.000

--------

Total

 

0.018

Add: Secondary and Higher Education Cess

 

0.000

--------

Total

 

0.018

Less: TDS/ TCS

 

0.007

--------

Assessed Tax

 

0.011

Less: Advance Tax

 

0.130

--------

Amount Refundable

 

0.119

--------

Amount Refundable Rounded Off u/s 288 B

 

0.119

--------

 

------------------------------------------------------------------------------------------------------------------------------

 


MR. BHUVAN JAIN

 

COMPUTATION OF TOTAL INCOME

 

(RS. IN MILLIONS)

 

PARTICULARS

31.03.2014

 

 

 

 

 

Income from Salary (Chapter IV A)

 

 

0.229

 

 

 

 

KIRAN GLOBAL CHEMS PRIVATE LIMITED

 

 

 

 

 

 

 

G-1-175, Heerawal IND. Area, Kanota, Jaipur, Rajasthan

 

 

 

Salary

 

0.229

--------

 

Gross Total Income

 

 

--------

0.229

 

 

 

 

Less: Deductions (Chapter VI-A)

 

 

 

u/s 80C

 

 

 

P.P.F.

0.010

 

 

P.F.

0.014

--------

 

 

Total

0.024

 

 

 

 

0.024

--------

 

 

 

 

0.024

--------

Total Income

 

 

0.205

 

 

 

 

Round off u/s 288A

 

 

0.205

Adjusted total income (ATI) is not more than Rs. 2.000 Million hence AMT not applicable

 

 

 

 

 

 

 

Tax Due

 

0.000

 

Rebate u/s 87A

 

0.000

--------

 

Tax Payable

 

0.000

 

 

------------------------------------------------------------------------------------------------------------------------------

 


MRS. RITU AMIT MODANI

 

COMPUTATION OF TOTAL INCOME

 

(RS. IN MILLIONS)

 

PARTICULARS

31.03.2014

 

 

 

 

 

Salaries

 

 

0.510

 

 

 

 

FS Corpadvise Private Limited: Surat – 395002, Gujarat, India

 

 

 

 

 

 

 

Salary

 

0.510

 

Conveyance Allowance

0.010

 

 

Less Excempt U/s 10(14)

0.010

--------

 

 

 

 

--------

0.510

 

Taxable Salary

 

 

 

 

 

 

 

Income from House Property

 

 

0.000

Self occupied House (Ownership of 50%)

 

 

 

Address: Flat No. 701, 7th Floor, A-Wing, Raheja Vistas, Chandivali Farm Road, Tungwa, Andheri (East), Mumbai - 400072, Maharashtra, India

 

 

 

Annual Value

0.000

 

 

Less: Interest u/s 24(b)

(0.150)

--------

 

 

 

 

 

 

Income from other Sources

 

 

0.085

Interest – FD

0.085

 

 

Total

--------

0.085

--------

 

 

 

 

 

 

Inter-Head adjustment of Losses u/s 71

 

 

 

House Property loss set of from Salary Income Rs.

 

 

(0.150)

--------

Gross Total Income

 

 

0.445

 

 

 

 

Less: Deductions under Chapter-VIA

 

 

 

80C Deduction

 

0.100

--------

 

Total Deductions

 

 

0.100

--------

Total Income

 

 

0.345

Total Income Rounded off u/s 288A

 

 

0.345

 

 

 

 

 

COMPUTATION OF TAX ON TOTAL INCOME

 

 

 

 

 

Tax on Rs. 0.200

0.000

 

 

Tax on Rs. 0.146 (0.346-0.200) @ 10%

0.015

--------

 

 

Tax on Rs. 0.345

 

0.015

--------

 

 

 

0.015

 

Less: Rebate u/s 87A

 

0.002

--------

 

 

 

0.013

 

Add: Education Cess @ 2%

 

0.000

--------

 

 

 

0.013

 

Add: Secondary and Higher Education Cess @ 1%

 

0.000

--------

 

 

 

0.013

 

Less Tax Deducted at Source

 

 

 

Salary

0.052

0.052

--------

 

 

 

(0.039)

 

 

 

 

 

Refundable

 

(0.039)

 

 

------------------------------------------------------------------------------------------------------------------------------

 

MR. ROHIT ASAWA

 

COMPUTATION OF TOTAL INCOME

 

(RS. IN MILLIONS)

 

PARTICULARS

31.03.2014

 

 

 

 

 

Income from Business or Profession (Chapter IV D)

 

 

0.839

 

 

 

 

From Frim Balaji Mining Works (50.00% Shares)

 

 

 

Remuneration

0.218

 

 

Interest

0.069

--------

 

 

 

0.286

 

 

Less:

 

 

 

Expenses                                                                        0.007

--------

0.007

--------

0.279

 

 

 

 

 

Balaji Minchem

 

 

 

Net Profit as per Profit and Loss Account

0.643

 

 

Add:

 

 

 

Donation

0.001

 

 

Depreciation Debited in P&L A/c

0.051

---------

 

 

Total

0.695

 

 

Less:

 

 

 

Interest paid in personal set                                         0.084

 

 

 

Depreciation as per Chart u/s 32                                  0.051

--------

0.135

--------

0.560

 

 

 

 

0.012

Income from Other Sources (Chapter IV F)

 

 

 

Interest from Saving Bank A/c

 

0.002

 

Interest Income

 

0.013

--------

 

 

 

0.015

 

Less:

 

 

 

Bank Charges

0.003

--------

0.003

--------

 

 

 

0.012

 

Gross Total Income

 

 

--------

0.851

Less: Deductions (Chapter VI-A)

 

 

 

U/s 80C

 

 

 

L.I.P.

0.101

 

 

 

 

0.100

 

u/s 80TTA (Interest from Saving Bank Account)

 

0.002

--------

 

 

 

 

0.102

--------

Total Income

 

 

0.750

Round off u/s 288A

 

 

0.750

Income Exempt u/s 10

 

 

0.070

Adjusted total income (ATI) is not more than Rs. 2.000 million hence AMT not applicable

 

 

 

Tax due

 

0.080

 

Educatioal Cess

 

0.002

--------

 

 

 

0.082

 

T.D.S.

 

0.001

--------

 

 

 

0.081

 

Advance Tax

 

0.035

--------

 

 

 

0.046

 

Interest u/s 234 A/B/C

 

0.006

--------

 

 

 

0.052

 

Deposit u/s 140A

 

0.052

--------

 

Tax Payable

 

0.000

--------

 

 

------------------------------------------------------------------------------------------------------------------------------

 

ASSESSMENT OF WORKING CAPITAL REQUIREMENTS

 

OPERATING STATEMENT

 

(RS. IN MILLIONS)

 

SR. NO.

PARTICULARS

 

2015-16

2016-17

2017-18

2018-19

Estimated

Projection

Projection

Projection

1

 

GROSS SALES

 

 

 

 

 

 

 

 

 

 

 

 

i)

Sales

 

 

 

 

 

 

 

 

 

 

 

 

 

a) Domestic Sales

77.760

85.536

94.090

103.499

 

 

 

 

 

 

 

 

 

b) Export Sales

--

--

--

--

 

 

 

 

 

 

 

 

 

c) Sub-total [a+b]

77.760

85.536

94.090

103.499

 

 

 

 

 

 

 

 

 

d) %age rise (+) or fall (-) in net sales as compared to previous year

100.00%

10.00%

10.00%

10.00%

 

 

 

 

 

 

 

 

 

Total

77.760

85.536

94.090

103.499

 

 

 

 

 

 

 

 

ii)

Other income

 

 

 

 

 

 

 

 

 

 

 

 

 

a)Duty drawback

--

--

--

--

 

 

 

 

 

 

 

 

 

b) Other

--

--

--

--

 

 

 

 

 

 

 

 

 

c) Commission/Brokerage/interest

--

--

--

--

 

 

 

 

 

 

 

 

 

d) Sub-total [a+b+c]

--

--

--

--

 

 

 

 

 

 

 

 

 

Total [i] + [ii]

77.760

85.536

94.090

103.499

 

 

 

 

 

 

 

2

 

COST OF SALES

 

 

 

 

 

 

 

 

 

 

 

 

i)

Purchases

72.524

80.156

88.072

96.779

 

 

 

 

 

 

 

 

 

Domestic

72.524

80.156

88.072

96.779

 

 

 

 

 

 

 

 

 

Imported

--

--

--

--

 

 

 

 

 

 

 

 

ii)

Other  expenses [Process charges, carriage inward, comm, and brokerage on purchases, etc]

3.468

3.815

4.196

4.616

 

 

 

 

 

 

 

 

iii)

Sub-total [i + ii]

75.992

76.341

83.875

92.163

 

 

 

 

 

 

 

 

iv)

Add: Opening stock

--

7.500

8.500

9.500

 

 

 

 

 

 

 

 

v)

Sub-total [iii + iv]

75.992

83.841

92.375

101.663

 

 

 

 

 

 

 

 

vi)

Less: Closing Stock

7.500

8.500

9.500

10.500

 

 

 

 

 

 

 

 

vii)

Sub-total [Total cost of sales] [v - vi]

68.492

75.341

82.875

91.163

 

 

 

 

 

 

 

3

 

Selling, General and Administrative Expenses (including bonus payments)

1.200

1.275

1.350

1.425

 

 

 

 

 

 

 

4

 

Operating Profit before interest and Depreciation [1(iii)-2(vii)-3]

8.068

8.920

9.864

10.911

 

 

 

 

 

 

 

5

 

Interest Exp.

1.575

1.663

1.750

1.750

 

 

 

 

 

 

 

6

 

Depreciation

4.500

1.440

1.224

1.040

 

 

 

 

 

 

 

7

 

Operating profit after interest and depreciation [4-5-6]

1.993

5.817

6.890

8.120

 

 

 

 

 

 

 

8

 

(i) Add other non-operating income

 

 

 

 

 

 

(a) Discount received

--

--

--

--

 

 

(b) Other Income

--

--

--

--

 

 

 

 

 

 

 

 

 

Subtotal (income)

--

--

--

--

 

 

 

 

 

 

 

 

 

(ii) Deduct other non-operating expense

 

 

 

 

 

 

(a) Repair and Maintenance

--

--

--

--

 

 

(b) Fuel

--

--

--

--

 

 

(c) Utilities

--

--

--

--

 

 

Subtotal (expenses)

--

--

--

--

 

 

 

 

 

 

 

 

 

(iii) Net of other non-operating incomes/expenses (net of 8(i) and 8(ii))

--

--

--

--

 

 

 

 

 

 

 

9

 

Profit before tax/loss (7+8(iii))

1.993

5.817

6.890

8.120

 

 

 

 

 

 

 

10

 

Provision for tax

0.616

1.798

2.129

2.509

 

 

 

 

 

 

 

11

 

Net profit / (loss)[9-10]

1.377

4.020

4.761

5.611

 

 

 

 

 

 

 

12

 

(i) Equity dividend paid/ Drawings

--

--

--

--

 

 

(ii) Dividend Rate

--

--

--

--

 

 

 

 

 

 

 

13

 

Retained Profit[11-12]

1.377

4.020

4.761

5.611

 

 

 

 

 

 

 

14

 

Retained profit / Net Profit (%age)

100%

100%

100%

100%

 

------------------------------------------------------------------------------------------------------------------------------

 

ANALYSIS OF BALANCE SHEET

 

(RS. IN MILLIONS)

 

SR. NO.

PARTICULARS

 

2015-16

2016-17

2017-18

2018-19

Estimated

Projection

Projection

Projection

 

 

 

 

 

 

 

CURRENT LIABILITIES

 

 

 

 

1

Short term borrowings from bank (incl. Bills purchased, discounted and excess borrowings placed on repayment basis)

 

 

 

 

 

(i) From applicant bank

12.500

12.500

12.500

12.500

 

(ii) From other banks

--

--

--

--

 

(iii) of which EP and BD

--

--

--

--

 

 

 

 

 

 

 

Sub Total (A)

12.500

12.500

12.500

12.500

 

 

 

 

 

 

2

Short term borrowings from others

--

--

--

--

 

 

 

 

 

 

3

Sundry Creditors - Trade

0.596

0.659

0.724

0.795

 

 

 

 

 

 

4

Advance payments from customers/deposits from dealers

--

--

--

--

 

 

 

 

 

 

5

Provision for Taxation

0.616

1.798

2.129

2.509

 

 

 

 

 

 

6

Dividend Payable

--

--

--

--

 

 

 

 

 

 

7

Other statutory liabilities (due within one year) 

--

--

--

--

 

 

 

 

 

 

8

Deposits/Instalments of term loan/DPGs/ Debentures, etc.(due within one year)

--

--

--

--

 

 

 

 

 

 

9

Other current liabilities and Provisions (due within one year)

--

--

--

--

 

 

 

 

 

 

 

Sub Total (B)

1.212

2.456

2.853

3.305

 

 

 

 

 

 

10

Total Current Liabilities [total of 1 to 9]

13.712

14.956

15.353

15.805

 

 

 

 

 

 

 

TERM LIABILITIES

 

 

 

 

11

Debentures (not maturing within one year)

--

--

--

--

 

 

 

 

 

 

12

Preference Shares (redeemable after one year)

--

--

--

--

 

 

 

 

 

 

13

Term loans (excluding instalments payable within one year)

--

--

--

--

 

 

 

 

 

 

14

Deferred Payment Credits (excl. instalments due within one year)

--

--

--

--

 

 

 

 

 

 

15

Term deposits (repayable after one year)

--

--

--

--

 

 

 

 

 

 

16

Other term liabilities

 

 

 

 

 

(a) Unsecured loans from friend and relatives

6.300

6.300

6.300

6.300

 

 

 

 

 

 

17

Total term liabilities (Total of 11 to 16)

6.300

6.300

6.300

6.300

 

 

 

 

 

 

18

Total Outside Liabilities [10+17]

20.012

21.256

21.653

22.105

 

 

 

 

 

 

 

NET WORTH

 

 

 

 

 

 

 

 

 

 

19

Partners Capital

7.500

7.500

7.500

7.500

 

 

 

 

 

 

20

General Reserve

--

--

--

--

 

 

 

 

 

 

21

Drawing

--

--

--

--

 

 

 

 

 

 

22

Withdrawal

--

--

--

--

 

 

 

 

 

 

23

Surplus (+) or deficit (-) in Profit and Loss Account

1.377

5.397

10.158

15.769

 

 

 

 

 

 

24

Net worth

8.877

12.897

17.658

23.269

 

 

 

 

 

 

25

TOTAL LIABILITIES [18+24]

28.899

34.153

39.311

45.374

 

 

 

 

 

 

 

CURRENT ASSETS

 

 

 

 

 

 

 

 

 

 

26

Cash and Bank balances

0.100

0.110

0.120

0.130

 

 

 

 

 

 

27

Receivables

10.759

11.952

13.714

15.794

 

 

 

 

 

 

28

Inventories

7.500

8.500

9.500

10.500

 

 

 

 

 

 

29

Advance to suppliers of Raw materials and stores/spares

--

--

--

--

 

 

 

 

 

 

30

Advance payment of taxes

--

--

--

--

 

 

 

 

 

 

31

Other current assets

0.031

0.032

0.041

0.054

 

 

 

 

 

 

32

Total Current asset [Total 26 to 33]

18.390

20.594

23.375

26.478

 

 

 

 

 

 

 

FIXED ASSETS

 

 

 

 

 

 

 

 

 

 

33

Gross Block (land and building machinery vehicles work-in-progress)

15.000

15.000

15.000

15.000

 

 

 

 

 

 

34

Depreciation to date

4.500

5.940

7.164

8.204

 

 

 

 

 

 

35

NET BLOCK (35-36)

10.500

9.060

7.836

6.796

 

 

 

 

 

 

36

Investments/book debts /advances deposits which are not current assets

--

4.500

8.100

12.100

 

 

 

 

 

 

37

Non consumables stores and spare

--

--

--

--

 

 

 

 

 

 

38

Other non-current assets (incl. Dues from director)

--

--

--

--

 

 

 

 

 

 

39

Total other non-current assets (Total of 38 to 40)

--

--

--

--

 

 

 

 

 

 

40

Intangible assets (patents, goodwill, prelim, expenses, bad/ doubtful debts not provided for etc.)

--

--

--

--

 

 

 

 

 

 

41

TOTAL ASSETS (Total of 34,37,41 and 42)

28.890

34.154

39.311

45.374

 

 

 

 

 

 

42

Tangible net worth   (24-42)

8.877

12.897

17.658

23.269

 

 

 

 

 

 

43

Net working Capital [(17+24)-(37+41+42)] Totally with (34-10)

4.678

5.637

8.022

10.674

 

 

 

 

 

 

44

Current Ratio [32/10]

1.34

1.38

1.52

1.68

 

 

 

 

 

 

47

Total outside liabilities / Net worth  (18/44)

2.25

1.65

1.23

0.95

 

 

 

 

 

 

 

Quasi

0.90

0.78

0.64

0.53

 

------------------------------------------------------------------------------------------------------------------------------

 

COMPARATIVE STAEMENT OF CURRENT ASSETS AND LIABILITIES

 

(RS. IN MILLIONS)

 

SR. NO.

PARTICULARS

 

2015-16

2016-17

2017-18

2018-19

Estimated

Projection

Projection

Projection

 

 

 

 

 

 

 

A. CURRENT ASSETS:

 

 

 

 

1

Cash and Bank Balances

0.100

0.110

0.120

0.130

 

 

 

 

 

 

2

Investments (other than long term investments)

 

 

 

 

 

(i) Government and other Trustee securities

--

--

--

--

 

(ii) Fixed deposits with banks

--

--

--

--

 

 

 

 

 

 

3

Receivables

10.759

11.952

13.714

15.794

 

 

 

 

 

 

4

Instalments of deferred receivable (due within one year)

--

--

--

--

 

 

 

 

 

 

5

Inventories

7.500

8.500

9.500

10.500

 

 

 

 

 

 

6

Advance to suppliers of Raw materials and stores/spares

--

--

--

--

 

 

 

 

 

 

7

Advance payment of taxes

--

--

--

--

 

 

 

 

 

 

8

Other current assets

0.031

0.032

0.041

0.054

 

 

 

 

 

 

9

Total Current Assets [1 to 8]

18.390

20.594

23.375

26.478

 

 

 

 

 

 

 

B. CURRENT LAIBILITES (Other than bank borrowings for working capital)

 

 

 

 

10

Short term borrowings from others

--

--

--

--

 

 

 

 

 

 

11

Sundry Creditors

0.596

0.659

0.724

0.795

 

 

 

 

 

 

12

Advance payments from customers/deposits from dealers

--

--

--

--

 

 

 

 

 

 

13

Provision for Tax

0.616

1.798

2.129

2.509

 

 

 

 

 

 

14

Dividend Payable

--

--

--

--

 

 

 

 

 

 

15

Other statutory liabilities (due within one year)

--

--

--

--

 

 

 

 

 

 

16

Deposits/Instalments of term loan/DPGs/ Debentures, etc.(due within one year)

--

--

--

--

 

 

 

 

 

 

17

Other current liabilities and Provisions (due within one year)

--

--

--

--

 

 

 

 

 

 

18

Total Current Liabilities [10 to 17]

1.212

2.456

2.853

3.305

 

------------------------------------------------------------------------------------------------------------------------------

 

COMPUTATION OF MAXIMUM PERMISSIBLE BANK FINANCE FOR WORKING CAPITAL

 

(RS. IN MILLIONS)

 

SR. NO.

PARTICULARS

 

2015-16

2016-17

2017-18

2018-19

Estimated

Projection

Projection

Projection

 

 

 

 

 

 

1

Total Current Assets

18.390

20.594

23.375

26.478

 

 

 

 

 

 

2

Other Current Liabilities (other than bank borrowings)    

1.212

2.456

2.853

3.305

 

 

 

 

 

 

3

Working Capital Gap (WCP)     (1-2)

17.178

18.137

20.522

23.174

 

 

 

 

 

 

4

Minimum stipulated net working Capital - 25% of total current assets other than Export Receivables

4.597

5.148

5.844

6.620

 

 

 

 

 

 

5

Actual/projected net working capital (45 in form III)

4.678

5.637

8.022

10.674

 

 

 

 

 

 

6

Item 3 minus item 4

12.580

12.989

14.678

16.554

 

 

 

 

 

 

7

Item 3 minus item 5

12.500

12.500

12.500

12.500

 

 

 

 

 

 

8

Maximum permissible bank finance (item 6 or 7 whichever is less)

12.500

12.500

12.500

12.500

 

 

 

 

 

 

9

Excess borrowings, if any representing short fall in NWC (4-5)

--

--

--

--

 

------------------------------------------------------------------------------------------------------------------------------

 

FUNDS FLOW STATEMENT

 

(RS. IN MILLIONS)

 

SR. NO.

PARTICULARS

 

2015-16

2016-17

2017-18

2018-19

Estimated

Projection

Projection

Projection

 

 

 

 

 

 

1

Sources

 

 

 

 

 

 

 

 

 

 

 

[a] Net profit (after tax)

1.377

4.020

4.761

5.611

 

 

 

 

 

 

 

[b] Depreciation

4.500

1.440

1.224

1.040

 

 

 

 

 

 

 

     Partners' Salary and interest

--

--

--

--

 

 

 

 

 

 

 

[c] Increase in Capital

7.500

--

--

--

 

 

 

 

 

 

 

[d] Increased in Term Liab. (incl. Public deposits)

--

--

--

--

 

 

 

 

 

 

 

[e] Decrease in

 

 

 

 

 

 

 

 

 

 

 

    [i] Fixed Assets

--

--

--

--

 

 

 

 

 

 

 

   [ii] Other non-current Assets

--

--

--

--

 

 

 

 

 

 

 

[f] Others (Unsecured Loans)

6.300

--

--

--

 

 

 

 

 

 

 

[g] Total

19.677

5.460

5.985

6.652

 

 

 

 

 

 

2

Application

 

 

 

 

 

 

 

 

 

 

 

[a] Net Loss

--

--

--

--

 

 

 

 

 

 

 

[b] Decrease in Term Liab. (Incl. Public deposits)

--

--

--

--

 

 

 

 

 

 

 

[c] Increase in

 

 

 

 

 

 

 

 

 

 

 

    [i] Fixed Assets

15.000

--

--

--

 

 

 

 

 

 

 

   [ii] Other non-current Assets

--

--

--

--

 

 

 

 

 

 

 

[d] Drawing

--

--

--

--

 

 

 

 

 

 

 

[e] Others (Unsecured loans)

--

--

--

--

 

 

 

 

 

 

 

[f] Total

--

--

--

--

 

 

 

 

 

 

3

Long Term Surplus  (+)  /  Deficit  (-)   

(1 minus 2)

4.677

5.460

5.985

6.652

 

 

 

 

 

 

4

 + / (-) in current assets         * (As per details given below)

18.390

2.204

2.781

3.103

 

 

 

 

 

 

5

 + / (-) in current Liabilities other than bank borrowings

1.212

1.244

0.397

0.452

 

 

 

 

 

 

6

 + / (-) in working capital Gap

17.178

0.960

2.385

2.652

 

 

 

 

 

 

7

Net Surplus (+)  /  deficit  (-)                 (Difference of 3 and 6)

(12.500)

4.500

3.601

4.000

 

 

 

 

 

 

8

 + / (-) in Bank Borrowings

12.500

--

--

--

 

 

 

 

 

 

 

* Break up  of (4)

 

 

 

 

 

 

 

 

 

 

 

[i]  + / (-) in Raw material

--

--

--

--

 

 

 

 

 

 

 

[ii]  + / (-) in Stock in process

--

--

--

--

 

 

 

 

 

 

 

[iii]  + / (-) in finished goods

7.500

1.000

1.000

1.000

 

 

 

 

 

 

 

[iv]  + / (-) in Receivables

10.759

1.193

1.762

2.080

 

 

 

 

 

 

 

   [a] Domestic

10.759

1.193

1.762

2.080

 

 

 

 

 

 

 

   [b] Export

--

--

--

--

 

 

 

 

 

 

 

[iii]  + / (-) in stores and spares

--

--

--

--

 

 

 

 

 

 

 

[iii]  + / (-) in other Current Assets

0.131

0.011

0.019

0.023

 

 

 

 

 

 

 

Total

18.390

2.204

2.781

3.103

 

------------------------------------------------------------------------------------------------------------------------------

 


FINANCIAL DETAILS

 

(RS. IN MILLIONS)

 

SR. NO.

PARTICULARS

 

31.03.2015

31.03.2016

31.03.2017

31.03.2018

Estimated

Projection

Projection

Projection

 

 

 

 

 

 

a)

Partner's capital

7.500

7.500

7.500

7.500

 

 

 

 

 

 

b)

Tangible Net worth

8.877

12.897

17.658

23.269

 

 

 

 

 

 

c)

Investment in cos

(Of which in group cos)

--

--

--

--

 

 

 

 

 

 

d)

Adjusted TNW

8.877

12.897

17.658

23.269

 

 

 

 

 

 

e)

Net Block

10.500

9.060

7.836

6.796

 

 

 

 

 

 

f)

Net sales : 

77.760

85.536

94.090

103.499

 

 

 

 

 

 

g)

Other Income

--

--

--

--

 

 

 

 

 

 

h)

EBIDTA

8.068

8.920

9.864

10.911

 

 

 

 

 

 

i)

Interest

1.575

1.663

1.750

1.750

 

 

 

 

 

 

j)

Gross Profit/(Loss)

1.993

5.817

6.890

8.120

 

 

 

 

 

 

k)

Taxes

0.616

1.798

2.129

2.509

 

 

 

 

 

 

l)

Cash Accruals

5.877

5.460

5.985

6.652

 

 

 

 

 

 

m)

Depreciation

4.500

1.440

1.224

1.040

 

 

 

 

 

 

n)

Net Profit/(Loss)

1.377

4.020

4.761

5.611

 

 

 

 

 

 

o)

Current Assets

18.390

20.594

23.375

26.478

 

 

 

 

 

 

p)

Current Liabilities

13.712

14.956

15.353

15.805

 

 

 

 

 

 

q)

RATIOS :

 

 

 

 

 

 

 

 

 

 

r)

Current ratio

1.34

1.38

1.52

1.68

 

 

 

 

 

 

 

Debt/Equity :

 

 

 

 

 

 

 

 

 

 

s)

Term liab./ Adjusted TNW

0.71

0.49

0.36

0.27

 

 

 

 

 

 

t)

TOL/ Adjusted TNW           

2.25

1.65

1.23

0.95

 

 

 

 

 

 

u)

TOL/Quasi Equity

0.90

0.78

0.64

0.53

 

 

 

 

 

 

v)

Profitability%: PAT/ Net Sales

1.77%

4.70%

5.06%

5.42%

 

 

 

 

 

 

w)

Interest Coverage

4.73

4.28

4.42

4.80

 

 

 

 

 

 

x)

Inventory + Receivables/ Sales (%) 

23.48%

23.91%

24.67%

25.41%

 

 

PARTICULARS

 

2015-16

2016-17

2017-18

2018-19

Estimated

Projection

Projection

Projection

 

 

 

 

 

(a)  Total Current Assets

18.390

20.594

23.375

26.478

 

 

 

 

 

(b)  Other Current Liabilities

1.212

2.456

2.853

3.305

 

 

 

 

 

(c)  Working Capital Gap (a - b)

17.178

18.137

20.522

23.174

 

 

 

 

 

(d) Minimum stipulated Net Working Capital (25% of "a")

4.597

5.148

5.844

6.620

 

 

 

 

 

(e)  Actual/Projected Net Working Capital

4.678

5.637

8.022

10.674

 

 

 

 

 

(f)   (c - d)

12.580

12.989

14.678

16.554

 

 

 

 

 

(g)  (c - e)

12.500

12.500

12.500

12.500

 

 

 

 

 

(h) MPBF (lower of "f" and "g")

12.500

12.500

12.500

12.500

 

 

SR. NO.

PARTICULARS

 

2015-16

2016-17

2017-18

2018-19

Estimated

Projection

Projection

Projection

 

 

 

 

 

 

a.

Gross Sales

77.760

85.536

94.090

103.499

 

 

 

 

 

 

b.

25% of Gross Sales

19.440

21.384

23.522

25.875

 

 

 

 

 

 

c.

5% of Gross Sales

3.888

4.277

4.704

5.175

 

 

 

 

 

 

e.

(b-c)

15.552

17.107

18.818

20.700

 

 

 

 

 

 

f.

Limit Applied

7.500

7.500

7.500

7.500

 

 

 

 

 

 

g.

Permissible Bank Finance (Lower of e & f)

7.500

7500

7.500

7.500

 

------------------------------------------------------------------------------------------------------------------------------

 

MR. ROHIT ASAWA

 

BALANCE SHEET AS ON 31.03.2014

 

(RS. IN MILLIONS)

 

LIABILITIES

AMOUNT

ASSETS

AMOUNTS

 

 

 

 

 

 

 

Capital Account

 

2.253

Fixed Assets

 

0.742

Advance Tax

(0.035)

 

Bike RJ36SF3919

0.042

 

Capital

2.517

 

Land at Chawani Road (1/2)

0.288

 

Drawing

(0.008)

 

Land at Roop Rajat Colony, Delwara Road (1/2)

0.136

 

Income Tax

(0.003)

 

Plot at Gaddi Thorian (1/2)

0.085

 

LIC

(0.218)

---------

 

Plot at Karamchari Colony

0.191

 

 

 

 

 

 

 

Loans (Liability)

 

0.793

Investments

 

3.092

Unsecured Loans

0.187

 

Balaji Minchem

2.008

 

Balaji Mining Works CC A/c

0.506

 

Balaji Mining Works

0.770

 

Jagdish Prasad

0.100

----------

 

FD with Bob

0.012

 

 

 

 

Gajanan Silica Processers Private Limited

0.302

 

Current Assets

 

0.788

 

 

 

Closing Stock

--

 

 

 

 

Deposits (Assets)

(0.016)

 

 

 

 

Loans and Advances (Asset)

0.015

 

 

 

 

Sundry Debtors

1.017

 

 

 

 

Cash-in-Hand

(0.164)

 

 

 

 

Bank Accounts

(0.040)

 

 

 

 

FD with HDFC

(0.024)

 

 

 

 

 

 

 

 

 

 

Profit & Loss A/c

 

 

 

 

 

Opening Balance

 

 

 

 

 

Current Period

0.922

 

 

 

 

Less: Transferred

0.922

0.000

 

 

 

 

 

 

 

 

 

Total

 

3.834

Total

 

3.834

 

------------------------------------------------------------------------------------------------------------------------------

 

MR. RAMESH CHANDRA LODHA

 

BALANCE SHEET AS ON 31.03.2014

 

(RS. IN MILLIONS)

 

LIABILITIES

AMOUNT

 

ASSETS

AMOUNT

 

 

 

 

Capital Account

8.758

Agricultural Land at Beawar

0.354

Preeti Bhansali

0.966

Agricultural Land (Family Statement)

2.801

TDS Payable

0.011

Building

1.433

Rent Advance

0.184

Land at Mogligidda Vill.

0.501

 

 

Shop at Nacharam

0.256

 

 

NSC

0.003

 

 

Capital in PAP

0.378

 

 

Capital in Trishla Minerals

3.798

 

 

P.P.F.

0.197

 

 

Shares-Mahesh Bank

0.004

 

 

Reliance M F

0.015

 

 

Siddharth Lodha

0.010

 

 

TDS Receivable

0.045

 

 

Interest Receivable

0.007

 

 

Rent-KM

0.042

 

 

Rent-Aryan

0.013

 

 

Andhra Bank

0.056

 

 

Cash in Hand

0.006

 

 

 

 

Total

9.919

Total

9.919

 

------------------------------------------------------------------------------------------------------------------------------

 

NETWORTH STATEMENT

 

MR. BHUVAN JAIN

 

(RS. IN MILLIONS)

 

 

PARTICULARS

 

AMOUNT

A

Immovable Assets

0.000

 

 

 

 

Total (A)

0.000

 

 

 

B

Movable Assets

 

 

Jewellary

0.157

 

FD Deposit Axis Bank

0.019

 

Vehicle Honda

0.054

 

Cash in hand

0.132

 

Investment  PPF

0.015

 

Total (B)

0.377

 

 

 

 

Total Assets (A + B)

0.377

 

 

 

C

Liabilities

 

 

Secured Loan

0.000

 

Total (C)

0.000

 

 

 

 

Net Worth (A+B)-C

0.377

 

------------------------------------------------------------------------------------------------------------------------------

 

NETWORTH STATEMENT

 

MRS. RITU AMIT MODANI

 

(RS. IN MILLIONS)

 

 

PARTICULARS

 

AMOUNT

A

Immovable Assets

20.000

 

 

 

 

Total (A)

20.000

 

 

 

B

Movable Assets

 

 

Jewellary

4.000

 

Bank Balance

0.200

 

Vehicle (XUV)

1.400

 

Investment

1.000

 

Total (B)

6.600

 

 

 

 

Total Assets (A + B)

26.600

 

 

 

C

Liabilities

 

 

Secured Loan

5.600

 

Total (C)

5.600

 

 

 

 

Net Worth (A+B) - C

21.000

 

 

------------------------------------------------------------------------------------------------------------------------------

 

PROFILE

 

Subject is a Partnership Firm Incorporated on 10 December, 2014. Its Registered Office at: Flat No.F-202, Heerawala Industrial Area (Extn), Village Kanota, Jaipur, Rajasthan. Pin- 303012. There are four partners in the firm each having relevant experience of in their field and also having good relation with the entrepreneur which are also prospective buyer of the products.

 

Mr. Rohit Asawa is responsible for monitoring all sales and also financial activity of firm.

 

Mr. Bhuvan Jain looks after operation and production activities.

 

Mr. Ramesh Lodha is responsible for the accounting activity of firm

 

Mrs. Ritu Amit Modani looks after administrative activity of firm.

 

As firm is manufacturing a business utility chemical (viz: sodium silicate) which is utilise for the various purpose:

 

It is used as a main ingredient for soap and detergent industry. It is utilized in textile industries and Paper Industry. It is extensively used in the manufacturing of Detergents, Silica Gel, Card-board, Paper, Textiles, Paints, Adhesives, Pottery, Sanitary ware, Refractoriness, Foundry and Wood Processing Industries because of its very good binding, adhesive, bleaching and sizing properties respectively. It is also used as electrolyte in keeping fine particles in suspension (of water) without allowing them to settle down.

 

Firm is also having local area benefit as, there are many Cement Industries in Rajasthan. And also many textile, soap and detergent industries are there in Gujarat, MP, Delhi, UP and etc which are near-by states to Rajasthan.

 

Firm is in Production of multiple grades of product, in order to satisfy the varying needs of their customers, firm is engaged in offering a wide grade of Sodium Silicate, which also includes paints grade Sodium Silicate.

 

Annual production capacity of the firm is 10800 MT of sodium silicate.

 

Revenue generate on working at 100% capacity is 10800 MT * Rs. 12500000/MT = Rs. 135.000 Million.

 

At the initial level firm is planning to operate at 60% of its installed capacity which result to generate revenue of Rs. 77.500 Million (approx) and a profit at 4.5% (approx).

 

------------------------------------------------------------------------------------------------------------------------------

 


 

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 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]         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. 62.82

UK Pound

1

Rs. 93.85

Euro

1

Rs. 67.59

 

 

INFORMATION DETAILS

 

Information Gathered by :

SVA

 

 

Analysis Done by :

DIV

 

 

Report Prepared by :

MRI

 

 


 

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.