MIRA INFORM REPORT

Report No. :	312247
Report Date :	28.04.2015

IDENTIFICATION DETAILS

Name :	KAMLA NEHRU MEMORIAL HOSPITAL
Registered Office :	1, Hashimpur Road, Allahabad - 211002, Uttar Pradesh
Tel. No.:	91-532-2466666
Country :	India
Financials (as on) :	31.03.2014
Year of Establishment :	1941
Capital Investment / Paid-up Capital :	Not Divulged
TAN No.: [Tax Deduction & Collection Account No.]	Not Available
PAN No.: [Permanent Account No.]	Not Available
Legal Form :	Trust
Line of Business :	It’s a Hospital [Providing Healthcare Services]
No. of Employees :	278 [Approximately]

RATING & COMMENTS

MIRA’s Rating :

A

RATING		STATUS	PROPOSED CREDIT LINE
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

Status :	Good
Payment Behaviour :	Regular
Litigation :	Clear
Comments :	Subject trust comes with rich history of establishment. It is a well-established and reputed trust having fine track record. Rating takes into consideration establishment history of trust backed by its resourceful and respectable trusties of the trust. Board of trusts are well known and respectable philanthropists. Trade relations are reported as trustworthy. Payments are reported to be regular and as per commitments. In view of strong support from trusties, the trust can be considered good for normal 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.

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

Rating Agency Name	Not Available
Rating	Not Available
Rating Explanation	Not Available
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. Hariom Singh
Designation :	Assistant Director
Contact No.:	91-532-2466666 [124 Ext.]

LOCATIONS

Registered Office :	1, Hashimpur Road, Allahabad - 211002, Uttar Pradesh, India
Tel. No.:	91-532-2466666 [124 Ext.]
Fax No.:	91-532-2466666 / 2466673
E-Mail :	hos.knmh@gmail.com info@knmhospital.org
Website :	http://www.knmhospital.org
Location :	Owned
Branch Office :	Located at Nania Village, Allahabad, Uttar Pradesh, India

MANAGEMENT

Name :	Mr. Y H Maligaon
Designation :	Member
Name :	Prof. Ashok Pangadia
Designation :	Member
Name :	Mr. Murli Deora
Designation :	Member
Name :	Dr. Madhu Chandra
Designation :	Member
Name :	Mrs. Priyanka Gandhi
Designation :	Member
Name :	Madam. Sonia Gandhi
Designation :	Member
Name :	Mr. Rahul Gandhi
Designation :	Member

KEY EXECUTIVES

Name :	Mr. Hariom Singh
Designation :	Assistant Director
Name :	Dr. Madhu Chandra
Designation :	Chief Executive Officer
Name :	Mr. D.B.Rathore
Designation :	Asstt. Director (Engg.)
Name :	Mr. Tanmoy Mukerji
Designation :	Senior Executive Officer (Systems)
Name :	Dr. Kavita S. Agarwal
Designation :	Senior Executive Officer (Projects)
Name :	Mr. Suresh Pandey
Designation :	Senior Executive Officer (Legal)
Name :	Smt. Shruti Shyam
Designation :	Executive Asst. to CEO
Name :	Ms. Delphi P.T.
Designation :	Dy. Matron
Name :	Dr. Krishna Mukherjee
Designation :	Medical Superintendent
Name :	Dr. Inderjeet Perhar
Designation :	HOD & Addl. Director Medical
Name :	Dr. Navneeta Banerjee
Designation :	Senior Consultant
Name :	Dr. Shubha Pande
Designation :	Senior Consultant
Name :	Dr. Sangeeta Khare
Designation :	Senior Consultant
Name :	Dr. Aparna Mohan
Designation :	Senior Consultant
Name :	Dr. Archana Srivastava
Designation :	Consultant
Name :	Dr. Ambuj Tripathi
Designation :	Consultant
Name :	Dr. B. Paul Thaliath
Designation :	HOD & Addl. Director Medical
Name :	Dr. Radha Rani Ghosh
Designation :	Senior Consultant
Name :	Dr. Sonia Tiwari
Designation :	Consultant
Name :	Dr. Vinita Gupta
Designation :	Radiation Chemist/ HOD Pharmacy
Name :	Mr. Gnana Prakasam
Designation :	Chief Medical Physicist
Name :	Ms. Kirubha G
Designation :	Medical Physicist
Name :	Mr. J. Biswas
Designation :	Medical Physicist
Name :	Mrs. Shahla Khan
Designation :	Scientific Officer
Name :	Dr. R.N. Saxena
Designation :	Senior Consultant, General Surgery
Name :	Dr. S. Srivastava
Designation :	Senior Consultant, Onco Surgery
Name :	Dr. Kartikey Sharma
Designation :	Consultant, Neuro Surgery
Name :	Dr. Subhra Ghosh
Designation :	HOD & Senior Consultant
Name :	Dr. Prabha Atri
Designation :	Consultant
Name :	Dr. Archana Chowdhry
Designation :	Consultant
Name :	Dr. Kumar Kirti
Designation :	Consultant
Name :	Dr. T. B. Singh
Designation :	Consultant
Name :	Dr. J.K. Gupta
Designation :	HOD & Senior Consultant
Name :	Dr. Varsha Agarwal
Designation :	Consultant
Name :	Dr. S. K. Khanduja
Designation :	HOD & Senior Consultant Radiology
Name :	Dr. Mukesh Pant
Designation :	Consultant Radiology
Name :	Dr. Inderjeet Perhar
Designation :	HOD Rural Hospital/ Addl. Director Medical
Name :	Dr. Aparna Mohan
Designation :	Senior Consultant Rural Hospital
Name :	Dr. Prabhat Singh
Designation :	Consultant

BUSINESS DETAILS

Line of Business :	It’s a Hospital [Providing Healthcare Services]
Brand Names :	Not Divulged
Agencies Held :	United Bio-Chem Glasco Smith Ranbaxy Pfizer
Exports :	Not Divulged
Imports :
Products :	Equipments, Radiation Machine
Countries :	Hong Kong USA Germany Netherland
Terms :
Selling :	Cash and Credit
Purchasing :	Cash and Credit

GENERAL INFORMATION

Suppliers :

Reference :	United Bio-Chem Glasco Smith Ranbaxy Pfizer
Name of the Person :	Not Divulged
Contact No.:	Not Divulged
Since How Long Known :	Not Divulged
Maximum Limit Dealt :	Not Divulged
Experience :	Not Divulged
Remark:	Not Divulged

Customers :

Reference :	Not Divulged
Name of the Person :	Not Divulged
Contact No.:	Not Divulged
Since How Long Known :	Not Divulged
Maximum Limit Dealt :	Not Divulged
Experience :	Not Divulged
Remark:	Not Divulged

No. of Employees :

278 [Approximately]

Bankers :

Bank Name	Canara Bank
Branch	Civil Lines Branch, Maharashtra, India
Person Name (With Designation)	Not Divulged
Contact Number	Not Divulged
Name of Account Holder	Not Divulged
Account Number	Not Divulged
Account Since (Date/Year of Account Opening)	Not Divulged
Average Balance Maintained (If Possible)	Not Divulged
Credit Facilities Enjoyed (If any)	Not Divulged
Account Operation	Not Divulged
Remarks (If any)	Not Divulged

Auditors :
Name :	S.S. Kothari and Company Chartered Accountants
Memberships :	--
Collaborators :	--
Sister Concern :	Not Divulged

CAPITAL STRUCTURE

Capital Investment :
Owned :	Not Divulged
Borrowed :	Not Divulged
Total :	Not Divulged

FINANCIAL DATA

[all figures are in Rupees Million]

Particulars	31.03.2014	31.03.2013
Sales Turnover [Approximately]	250.000	300.000

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

FINANCIAL ANALYSIS

[all figures are in Rupees Million]

YEAR-ON-YEAR GROWTH

Year on Year Growth	31.03.2013	31.03.2014
	(Rs. In Million)	(Rs. In Million)
Sales Turnover [Approximately]	300.000	250.000
		(16.667)

LOCAL AGENCY FURTHER INFORMATION

Senior 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	No
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	No
13]	Reasons for variation <> 20%	--
14]	Estimation for coming financial year	No
15]	Capital in the business	No
16]	Details of sister concerns	No
17]	Major suppliers	Yes
18]	Major customers	No
19]	Payments terms	Yes
20]	Export / Import details (if applicable)	Yes
21]	Market information	--
22]	Litigations that the firm / promoter involved in	--
23]	Banking Details	Yes
24]	Banking facility details	No
25]	Conduct of the banking account	--
26]	Buyer visit details	--
27]	Financials, if provided	Yes
28]	Incorporation details, if applicable	No
29]	Last accounts filed at ROC	No
30]	Major Shareholders, if available	No
31]	PAN of Proprietor/Partner/Director, if available	No
32]	Date of Birth 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

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.63.61
UK Pound	1	Rs.96.56
Euro	1	Rs.69.18

INFORMATION DETAILS

Information Gathered by :	PPT
Analysis Done by :	KAR
Report Prepared by :	SNT

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.