MIRA
INFORM REPORT
|
Report No. : |
337939 |
|
Report Date : |
27.08.2015 |
IDENTIFICATION DETAILS
|
Name : |
V K ELECTRONICS |
|
|
|
|
Registered
Office : |
A-58, |
|
Mobile No.: |
91-9711209554 (Mr. Vijay Kumar Yadav) |
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Country : |
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Financials (as
on) : |
31.03.2015 [Provisional] |
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Date of
Incorporation : |
24.09.2009 |
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|
|
|
Capital
Investment / Paid-up Capital : |
Rs.2.962 Million |
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|
|
|
IEC No.: |
Not Available |
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|
|
|
TAN No.: [Tax Deduction &
Collection Account No.] |
Not Available |
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|
|
PAN No.: [Permanent Account No.] |
ASLPK9338G |
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|
|
|
Legal Form : |
Sole Proprietary Concern |
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|
|
Line of Business
: |
Subject engaged in the business as an assembler of TV’s, Home theatre
systems, DVD player, DTH receivers, amplifiers |
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|
|
|
No. of Employees
: |
23 (Approximately) [In Office 05 + In Branch 03+ In Factory 15] |
RATING & COMMENTS
|
MIRA’s Rating : |
B (30) |
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
26-40 |
B |
Capability to overcome financial difficulties seems comparatively
below average. |
Small |
|
Status : |
Moderate |
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|
|
|
Payment Behaviour : |
Slow but correct |
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|
|
Litigation : |
Clear |
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Comments : |
Subject is an established proprietary concern started during 2009 and
engaged in the business as an assembler of TV’s, Home theatre systems, DVD
player, DTH receivers, amplifiers having a moderate track. The rating is constrained on account of small networth base and huge
borrowings recorded by the concern. Further, the rating also takes into consideration the nature of
business which is always constrained on account of high intense competition. However, trade relations are reported as fair. Business is active.
Payment terms are reported to be slow but correct. The concern can be considered for business dealings with some 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 – March 31, 2015
|
Country Name |
Previous Rating (31.12.2014) |
Current Rating (31.03.2015) |
|
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
31-03-2013.
INFORMATION PARTED BY
|
Name : |
Mr. Vijay Kumar Yadav |
|
Designation : |
Proprietor |
|
Contact No.: |
91-9711209554 |
|
Date : |
25.08.2015 |
LOCATIONS
|
Registered Office : |
A-58, Garima Garden, Pasonda, Sahibabad, Ghaziabad – 201005, Uttar Pradesh, India |
|
Tel. No.: |
Not Available |
|
Mobile No.: |
91-9711209554 (Mr. Vijay Kumar Yadav) |
|
Fax No.: |
Not Available |
|
E-Mail : |
|
|
Area : |
3600 Sq.ft. |
|
Location : |
Owned |
|
|
|
|
Factory : |
A-46, Garima Garden, Pasonda, Sahibabad, Ghaziabad – 201005, Uttar
Pradesh, India |
|
E-Mail : |
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|
|
|
|
Branch : |
A38/2, Garima Garden, Pasonda, Sahibabad, Ghaziabad – 201005,
Uttar Pradesh, India |
SOLE PROPRIETOR
|
Name : |
Mr. Vijay Kumar Yadav |
|
Designation : |
Proprietor |
|
Address : |
A-58, Garima Garden, Pasonda, Sahibabad, Ghaziabad – 201005, Uttar Pradesh, India |
|
Date of Birth/Age : |
12.10.1982 |
|
Qualification : |
GRADUATE |
|
Experience : |
12 Years |
|
PAN No.: |
ASLPK9338G |
BUSINESS DETAILS
|
Line of Business : |
Subject engaged in the business as an assembler of TV’s, Home theatre
systems, DVD player, DTH receivers, amplifiers |
|
|
|
|
Products : |
TV’s, Home theatre systems, DVD player, DTH receivers, amplifiers |
|
|
|
|
Brand Names : |
Not Divulged |
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|
|
Agencies Held : |
Not Divulged |
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Exports : |
Not Divulged |
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Imports : |
Not Divulged |
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Terms : |
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Selling : |
Credit (90 days) |
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|
|
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Purchasing : |
Credit (30 days) |
PRODUCTION STATUS : NOT AVAILABLE
GENERAL INFORMATION
|
Suppliers : |
·
R M Sales Corporation ·
J K Enterprise ·
Maa Electronics Cassette Centre ·
Rama Krishana Enterprises |
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||||||||||||||||||||||
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Customers : |
Wholesalers
·
Akhil Marketing ·
China Town ·
Sanjay Electronics ·
K.M.T.S. Engineering Private Limited |
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No. of Employees : |
23 (Approximately) [In Office 05 + In Branch 03+ In Factory 15] |
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Bankers : |
Bank of India, |
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Facilities : |
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Auditors : |
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|
Name : |
R. Goela and Company Chartered Accountants |
|
Address : |
S-203, Chetak Complex, Dilshad Garden, New Delhi – 110095, India |
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Tel. No.: |
91-11-43059578 |
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Mobile No.: |
91-9136798915 |
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E-Mail : |
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Memberships : |
-- |
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Collaborators : |
-- |
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Associates/Subsidiaries : |
-- |
CAPITAL STRUCTURE
CAPITAL ACCOUNT AS
ON 31.03.2015 [PROVISIONAL]
|
Particulars |
Amount [Rs. In
Million] |
|
Opening Account |
0.675 |
|
Add: Net Profit |
0.543 |
|
Add: Capital Induction |
2.000 |
|
Total |
3.218 |
|
Less : Drawing |
0.256 |
|
Total |
2.962 |
FINANCIAL DATA
[all figures are
in Rupees Million]
ABRIDGED
BALANCE SHEET
|
OWNERS FUNDS |
31.03.2015 [Provisional] |
31.03.2014 |
31.03.2013 |
|
|
1] Capital Account |
2.962 |
0.675 |
0.510 |
|
|
2] Share Application Money |
0.000 |
0.000 |
0.000 |
|
|
3] Reserves & Surplus |
0.000 |
0.000 |
0.000 |
|
|
4] (Accumulated Losses) |
0.000 |
0.000 |
0.000 |
|
|
NETWORTH |
2.962 |
0.675 |
0.510 |
|
|
LOAN FUNDS |
|
|
|
|
|
1] Secured Loans |
4.225 |
5.023 |
2.161 |
|
|
2] Unsecured Loans |
1.500 |
0.000 |
0.000 |
|
|
TOTAL
BORROWING |
5.725 |
5.023 |
2.161 |
|
|
DEFERRED TAX LIABILITIES |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
8.687 |
5.698 |
2.671 |
|
|
|
|
|
|
|
|
APPLICATION OF FUNDS |
|
|
|
|
|
|
|
|
|
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|
FIXED ASSETS [Net Block] |
4.060 |
3.890 |
3.988 |
|
|
Capital work-in-progress |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
INVESTMENT |
0.000 |
0.025 |
0.075 |
|
|
DEFERRED TAX ASSETS |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
CURRENT ASSETS, LOANS & ADVANCES |
|
|
|
|
|
|
Inventories |
4.229 |
3.254 |
4.343 |
|
|
Sundry Debtors |
1.376 |
2.524 |
3.481 |
|
|
Cash & Bank Balances |
0.231 |
0.172 |
0.998 |
|
|
Other Current Assets |
0.025 |
0.002 |
0.000 |
|
|
Loans & Advances |
0.035 |
1.200 |
1.200 |
|
Total Current Assets |
5.896 |
7.152 |
10.022 |
|
|
Less : CURRENT LIABILITIES & PROVISIONS |
|
|
|
|
|
|
Sundry Creditors |
1.216 |
5.354 |
11.372 |
|
|
Other Current Liabilities |
0.053 |
0.015 |
0.042 |
|
|
Provisions |
0.000 |
0.000 |
0.000 |
|
Total Current Liabilities |
1.269 |
5.369 |
11.414 |
|
|
Net Current
Assets |
4.627 |
1.783 |
(1.392) |
|
|
|
|
|
|
|
|
MISCELLANEOUS EXPENSES |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
8.687 |
5.698 |
2.671 |
|
PROFIT
& LOSS ACCOUNT
|
|
PARTICULARS |
31.03.2015 [Provisional] |
31.03.2014 |
31.03.2013 |
|
|
SALES |
|
|
|
|
|
Income |
10.642 |
8.868 |
8.260 |
|
|
Other Income |
0.701 |
0.652 |
0.251 |
|
|
TOTAL |
11.343 |
9.520 |
8.511 |
|
|
|
|
|
|
|
Less |
EXPENSES |
|
|
|
|
|
Cost Of Goods Sold |
9.236 |
8.348 |
7.726 |
|
|
Accounting Charges |
0.024 |
0.018 |
0.015 |
|
|
Wages And Salary |
0.254 |
0.000 |
0.000 |
|
|
Cartage |
0.135 |
0.000 |
0.000 |
|
|
Power And Electricity |
0.125 |
0.000 |
0.000 |
|
|
Audit Fees |
0.015 |
0.015 |
0.011 |
|
|
Bank Charges |
0.020 |
0.035 |
0.014 |
|
|
Conveyance |
0.025 |
0.009 |
0.010 |
|
|
Electricity Expenses |
0.000 |
0.092 |
0.012 |
|
|
Insurance |
0.048 |
0.036 |
0.039 |
|
|
Interest Paid on Bank OD |
0.483 |
0.284 |
0.000 |
|
|
Interest Paid on Vehicle
Loans |
0.064 |
0.071 |
0.086 |
|
|
Legal Charges and
Professional Charges |
0.007 |
0.015 |
0.013 |
|
|
Misc. Expenses |
0.000 |
0.003 |
0.002 |
|
|
Salary To Staff |
0.000 |
0.108 |
0.090 |
|
|
Staff Welfare |
0.017 |
0.005 |
0.001 |
|
|
Stationary And Printing
Expenses |
0.007 |
0.002 |
0.001 |
|
|
Telephone Expenses |
0.025 |
0.009 |
0.010 |
|
|
Short and Excess |
0.000 |
0.000 |
0.000 |
|
|
Medicine |
0.003 |
0.000 |
0.000 |
|
|
Sales Promotion |
0.062 |
0.000 |
0.000 |
|
|
Postage and Courier |
0.005 |
0.000 |
0.000 |
|
|
Travelling Charges |
0.079 |
0.000 |
0.000 |
|
|
Advertisement |
0.007 |
0.000 |
0.000 |
|
|
Newspaper And Magazines |
0.004 |
0.000 |
0.000 |
|
|
Office and Maintenance |
0.018 |
0.000 |
0.000 |
|
|
General Expenses |
0.009 |
0.000 |
0.000 |
|
|
TOTAL |
10.672 |
9.050 |
8.030 |
|
|
|
|
|
|
|
|
PROFIT / (LOSS) BEFORE
TAX, DEPRECIATION AND AMORTISATION |
0.671 |
0.470 |
0.481 |
|
|
|
|
|
|
|
Less/ Add |
DEPRECIATION/
AMORTISATION |
0.128 |
0.099 |
0.110 |
|
|
|
|
|
|
|
|
NET PROFIT/ (LOSS) |
0.543 |
0.371 |
0.371 |
KEY
RATIOS
|
PARTICULARS |
|
31.03.2014 |
31.03.2013 |
31.03.2012 |
|
Net Profit Margin (PAT / Sales) |
(%) |
5.10 |
4.18 |
4.49 |
|
|
|
|
|
|
|
Operating Profit Margin (PBIDT/Sales) |
(%) |
6.31 |
5.30 |
5.82 |
|
|
|
|
|
|
|
Return on Total Assets (PBT/Total Assets} |
(%) |
5.45 |
3.36 |
2.65 |
|
|
|
|
|
|
|
Return on Investment (ROI) (PBT/Networth) |
|
0.18 |
0.55 |
0.73 |
|
|
|
|
|
|
|
Debt Equity Ratio (Total Debt /Networth) |
|
1.93 |
7.44 |
4.24 |
|
|
|
|
|
|
|
Current Ratio (Current Asset/Current Liability) |
|
4.65 |
1.33 |
0.88 |
FINANCIAL ANALYSIS
[all figures are
in Rupees Million]
DEBT EQUITY RATIO
|
Particular |
31.03.2013 |
31.03.2014 |
31.03.2015 [Provisional] |
|
|
(Rs. In Million) |
(Rs. In Million) |
(Rs. In Million) |
|
Share Capital |
0.510 |
0.675 |
2.962 |
|
Reserves & Surplus |
0.000 |
0.000 |
0.000 |
|
Net worth |
0.510 |
0.675 |
2.962 |
|
|
|
|
|
|
Secured Loans |
2.161 |
5.023 |
4.225 |
|
Unsecured Loans |
0.000 |
0.000 |
1.500 |
|
Total borrowings |
2.161 |
5.023 |
5.725 |
|
Debt/Equity ratio |
4.237 |
7.441 |
1.933 |
YEAR-ON-YEAR GROWTH
|
Year on Year Growth |
31.03.2013 |
31.03.2014 |
31.03.2015 [Provisional] |
|
|
(Rs. In Million) |
(Rs. In Million) |
(Rs. In Million) |
|
Sales |
8.260 |
8.868 |
10.642 |
|
|
|
7.361 |
20.005 |
NET PROFIT MARGIN
|
Net Profit Margin |
31.03.2013 |
31.03.2014 |
31.03.2015 [Provisional] |
|
|
(Rs. In Million) |
(Rs. In Million) |
(Rs. In Million) |
|
Sales |
8.260 |
8.868 |
10.642 |
|
Profit |
0.371 |
0.371 |
0.543 |
|
|
4.49% |
4.18% |
5.10% |
LOCAL AGENCY FURTHER INFORMATION
|
Sr. No. |
Check list by
info agents |
Available in
Report (Yes/No) |
|
1 |
Year of establishment |
Yes |
|
2 |
Constitution of the entity -Incorporation
details |
Yes |
|
3 |
Locality of the entity |
Yes |
|
4 |
Premises details |
No |
|
5 |
Buyer visit details |
-- |
|
6 |
Contact numbers |
Yes |
|
7 |
Name of the person contacted |
Yes |
|
8 |
Designation of contact person |
Yes |
|
9 |
Promoter’s background |
Yes |
|
10 |
Date of Birth of Proprietor / Partners / Directors |
Yes |
|
11 |
Pan Card No. of Proprietor / Partners |
Yes |
|
12 |
Voter Id Card No. of Proprietor / Partners |
No |
|
13 |
Type of business |
Yes |
|
14 |
Line of Business |
Yes |
|
15 |
Export/import details (if applicable) |
No |
|
16 |
No. of employees |
Yes |
|
17 |
Details of sister concerns |
No |
|
18 |
Major suppliers |
Yes |
|
19 |
Major customers |
Yes |
|
20 |
Banking Details |
Yes |
|
21 |
Banking facility details |
Yes |
|
22 |
Conduct of the banking account |
-- |
|
23 |
Financials, if provided |
Yes |
|
24 |
Capital in the business |
Yes |
|
25 |
Last accounts filed at ROC, if applicable |
Yes |
|
26 |
Turnover of firm for last three years |
Yes |
|
27 |
Reasons for variation <> 20% |
-- |
|
28 |
Estimation for coming financial year |
Yes |
|
29 |
Profitability for last three years |
Yes |
|
30 |
Major shareholders, if available |
No |
|
31 |
External Agency Rating, if available |
No |
|
32 |
Litigations that the firm/promoter
involved in |
--- |
|
33 |
Market information |
--- |
|
34 |
Payments terms |
Yes |
|
35 |
Negative Reporting by Auditors in the
Annual Report |
No |
------------------------------------------------------------------------------------------------------------
UNSECURED LOAN
|
PARTICULARS |
31.03.2015 [Provisional] |
31.03.2014 |
|
|
(Rs. in Million) |
|
|
Loans from friends and relatives
|
1.500 |
0.000 |
|
Total |
1.500 |
0.000 |
------------------------------------------------------------------------------------------------------------
ASSESSMENT OF WORKING CAPITAL
(RS. IN MILLION)
|
Sr. No. |
Particulars |
2015-2016 |
2016-2017 |
2017-2018 |
2018-2019 |
|
|
|
|
|
|
|
|
1 |
Gross Sales |
|
|
|
|
|
|
Sales |
22.770 |
27.324 |
32.789 |
39.346 |
|
|
Other Income |
0.840 |
1.008 |
1.210 |
1.452 |
|
|
Total |
23.610 |
28.332 |
33.998 |
40.798 |
|
|
|
|
|
|
|
|
2 |
Less : excises
duty |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
3 |
Net sales [1-2] |
23.610 |
28.332 |
33.998 |
40.798 |
|
|
|
|
|
|
|
|
4 |
%age of rise (+)
or fall (-) in net sales as compared to previous year |
108.17% |
20.00% |
20.00% |
20.00% |
|
|
|
|
|
|
|
|
5 |
Cost of sales |
|
|
|
|
|
|
Raw materials
(Including store and other items used in
the process of manufacture) |
|
|
|
|
|
|
Import |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
Indigenous |
18.553 |
22.964 |
28.056 |
34.168 |
|
|
Other Spares |
|
|
|
|
|
|
Import |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
Indigenous |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
Power and fuel |
0.400 |
0.480 |
0.576 |
0.691 |
|
|
Direct Labour
(Factory wages and salary) |
0.606 |
0.728 |
0.873 |
1.048 |
|
|
Other
manufacturing expenses |
0.216 |
0.259 |
0.311 |
0.373 |
|
|
Depreciation |
1.677 |
1.469 |
1.301 |
1.158 |
|
|
Sub total |
21.452 |
25.899 |
31.117 |
37.438 |
|
|
Add: Opening RM
/ WIP |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
Sub total |
21.452 |
25.899 |
31.117 |
37.438 |
|
|
Deduct : Closing
RM/WIP |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
Cost of
production |
21.452 |
25.899 |
31.117 |
37.438 |
|
|
Add: Opening
stock of finished goods |
4.230 |
4.430 |
5.230 |
6.280 |
|
|
Sub total |
25.682 |
30.329 |
36.347 |
43.718 |
|
|
Add: Closing
stock of finished goods |
4.430 |
5.230 |
6.280 |
7.600 |
|
|
Sub total |
21.252 |
25.099 |
30.067 |
36.118 |
|
|
|
|
|
|
|
|
6 |
Selling, general
and Administrative Expenses |
0.403 |
0.484 |
0.581 |
0.697 |
|
|
|
|
|
|
|
|
7 |
Sub total [5+6] |
21.655 |
25.583 |
30.648 |
36.815 |
|
|
|
|
|
|
|
|
8 |
Operating Profit
before interest [3-7] |
1.955 |
2.749 |
3.351 |
3.983 |
|
|
|
|
|
|
|
|
9 |
-Interest on
Cash Credit Limit |
0.560 |
0.560 |
0.700 |
0.700 |
|
|
-Interest on
term loan |
0.507 |
0.926 |
0.868 |
0.803 |
|
|
|
|
|
|
|
|
10 |
Operating Profit
after interest [8-9] |
0.887 |
1.263 |
1.782 |
2.481 |
|
|
|
|
|
|
|
|
11 |
|
|
|
|
|
|
A |
Add: Other
non-operating Income |
|
|
|
|
|
|
Interest and
Rent |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
Dep. Write back |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
Other Income |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
Sub total
(Income) |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
B |
Deduct : Other
non-operating Expenses |
|
|
|
|
|
|
Interest on
capital |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
Remuneration |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
Sub total
(Expenses) |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
C |
Net of other
non-operating income / expenses (net of 11A and 11 B) |
0.887 |
1.263 |
1.782 |
2.481 |
|
|
|
|
|
|
|
|
12 |
Profit before
tax/ loss [10+11] |
0.887 |
1.263 |
1.782 |
2.481 |
|
|
|
|
|
|
|
|
13 |
Provision for
Taxes and Deferred Taxes |
0.887 |
1.263 |
1.782 |
2.481 |
|
|
|
|
|
|
|
|
14 |
Net Profit /
Loss [12.13] |
0.887 |
1.263 |
1.782 |
2.481 |
|
|
|
|
|
|
|
|
15 |
-Drawings |
0.300 |
0.400 |
0.500 |
0600 |
|
|
-Dividend rate |
0% |
0% |
0% |
0% |
|
|
|
|
|
|
|
|
16 |
Retained profit
[14-15] |
0.587 |
0.863 |
1.282 |
1.881 |
|
|
|
|
|
|
|
|
17 |
Retained Profit
/ Net Profit (%age) |
6.618 |
6.833 |
7.194 |
7.581 |
|
|
|
|
|
|
|
------------------------------------------------------------------------------------------------------------------------------
ANALYSIS OF BALANCE SHEET
(RS. IN MILLION)
|
Sr. No. |
Particulars |
2015-2016 |
2016-2017 |
2017-2018 |
2018-2019 |
|
|
LIABILITIES |
|
|
|
|
|
|
|
|
|
|
|
|
|
Current
liabilities |
|
|
|
|
|
|
|
|
|
|
|
|
1 |
Short – term borrowings
from Banks (Including bills purchased, discounted and excess borrowings
placed on repayment basis) |
|
|
|
|
|
|
From applicant
Banks |
4.000 |
4.000 |
5.000 |
5.000 |
|
|
From other Bank |
0.000 |
0.000 |
0.000 |
0.000 |
|
2 |
Short – term borrowings
from others |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
|
Sub total (A) |
4.000 |
4.000 |
5.000 |
5.000 |
|
|
|
|
|
|
|
|
3 |
Sundry Creditors |
1.296 |
1.435 |
1.754 |
2.135 |
|
|
|
|
|
|
|
|
4 |
Advance payment from
customers |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
5 |
Provision for
taxation |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
6 |
Dividend payable
|
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
7 |
Other statutory liabilities
(due within one year) |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
8 |
Deposits /
Installments of term loans / DPGs / Debentures etc. (due within one year) |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
9 |
Other current liabilities
and provisions (due within one year) |
0.064 |
0.076 |
0.092 |
0.110 |
|
|
|
|
|
|
|
|
|
Sub total (B) |
1.360 |
1.512 |
1.845 |
2.245 |
|
|
|
|
|
|
|
|
10 |
Total Current
liabilities [total of 1-9] |
5.360 |
5.512 |
6.845 |
7.245 |
|
|
|
|
|
|
|
|
|
Term Liabilities
|
|
|
|
|
|
|
|
|
|
|
|
|
11 |
Debentures (not
maturing within one year) |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
12 |
Preference share
(redeemable after one year) |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
13 |
Term loans
(excluding instalment payable within one year) |
7.311 |
6.893 |
6.417 |
5.876 |
|
|
|
|
|
|
|
|
14 |
Deferred
payments credit (Excluding instalment due within one year) |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
15 |
Term Deposits
(repayable after one year) |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
16 |
Other Term
Liabilities |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
17 |
Total Term
Liabilities [11 to 16] |
7.311 |
6.893 |
6.417 |
5.876 |
|
|
|
|
|
|
|
|
18 |
Total Outside
Liabilities [10-17] |
12.670 |
12.404 |
13.263 |
13.122 |
|
|
|
|
|
|
|
|
|
Networth |
|
|
|
|
|
|
|
|
|
|
|
|
19 |
Ordinary Share
Capital |
6.662 |
8.149 |
9.412 |
11.094 |
|
|
|
|
|
|
|
|
20 |
General Reserves
|
0.887 |
1.263 |
1.782 |
2.481 |
|
|
|
|
|
|
|
|
21 |
Deferred Tax
Liability |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
22 |
Share Premium |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
23 |
Unsecured loans |
1.000 |
0.500 |
0.500 |
0.500 |
|
|
|
|
|
|
|
|
24 |
Networth
(Addition 19 to 23) |
8.549 |
9.912 |
11.694 |
14.075 |
|
|
|
|
|
|
|
|
25 |
Total
Liabilities [18+24] |
21.219 |
22.316 |
24.957 |
27.196 |
|
|
|
|
|
|
|
|
|
ASSETS |
|
|
|
|
|
|
|
|
|
|
|
|
|
Current Assets |
|
|
|
|
|
|
|
|
|
|
|
|
26 |
Cash and Bank
Balance (Including margin money) |
0.271 |
0.375 |
0.492 |
0.600 |
|
|
|
|
|
|
|
|
27 |
Investment
(other than long term investments) |
|
|
|
|
|
|
-Government and
other Trustee Securities |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
-Fixed Deposits
with Bank |
0.025 |
0.025 |
0.025 |
0.025 |
|
|
|
|
|
|
|
|
28 |
Receivables other
than deferred and exports (Including Bill Purchased and Discounted by Banks) |
2.569 |
4.223 |
6.987 |
8.945 |
|
|
Export
receivable (Including Bill Purchased and Discounted by banks |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
29 |
Installments of
deferred receivables (due within one
year) |
0.00 |
0.00 |
0.00 |
0.00 |
|
|
|
|
|
|
|
|
30 |
Inventory |
|
|
|
|
|
|
-Raw Materials |
0.000 |
0.00 |
0.000 |
0.000 |
|
|
-Stock in
Process |
0.000 |
0.00 |
0.000 |
0.000 |
|
|
-Finished Goods |
4.430 |
5.230 |
6.280 |
7.600 |
|
|
-Consumables |
0.000 |
0.00 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
31 |
Advance to
Suppliers of Raw Material and Stores and Spares |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
32 |
Advance Payment
of Taxes (Demand under) |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
33 |
Other Current
Assets |
0.041 |
0.049 |
0.059 |
0.071 |
|
|
|
|
|
|
|
|
34 |
Total Current
Assets [total of 26 to 33] |
7.336 |
9.902 |
13.843 |
17.40 |
|
|
|
|
|
|
|
|
|
Fixed Assets |
|
|
|
|
|
|
|
|
|
|
|
|
35 |
Gross Block |
15.560 |
13.883 |
12.415 |
11.114 |
|
|
|
|
|
|
|
|
36 |
Depreciation |
1.677 |
1.469 |
1.301 |
1.158 |
|
|
|
|
|
|
|
|
37 |
Net Block
[35-36] |
13.883 |
12.415 |
11.114 |
9.956 |
|
|
|
|
|
|
|
|
|
Proposed Capex
Additions |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
|
Other
Non-Current Assets |
|
|
|
|
|
|
|
|
|
|
|
|
38 |
Investments / Book
Debts / Advances / Deposits which are not current assets |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
39 |
Deferred Tax
Assets |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
40 |
Other
Non-Current Assets (Including due from Directors ) |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
41 |
Total Other
Non-Current Assets |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
42 |
Intangible Assets
(Patents, Goodwill, Prelim. Expenses, Bad / Doubtful Debts not provided for
etc.) |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
43 |
Total Assets
[Total of 34+37+41 to 42] |
21.219 |
22.316 |
24.957 |
27.196 |
|
|
|
|
|
|
|
|
44 |
Tangible
Networth |
8.549 |
9.912 |
11.694 |
14.075 |
|
|
|
|
|
|
|
|
45 |
Net Working
Capital [(8+17+24) - (37+41+42)] to tally with [34-10] |
1.976 |
4.390 |
6.997 |
9.995 |
|
|
|
|
|
|
|
|
46 |
Current ratio
[34/10] |
1.37 |
1.80 |
2.02 |
2.38 |
|
|
|
|
|
|
|
|
47 |
Total Outside
Liabilities / Tangible |
1.48 |
1.25 |
1.13 |
0.93 |
|
|
Networth (18/44) |
|
|
|
|
|
|
|
|
|
|
|
------------------------------------------------------------------------------------------------------------------------------
FUNDS
FLOW STATEMENTS
(RS. IN MILLION)
|
Sr. No. |
Particulars |
2015-2016 |
2016-2017 |
2017-2018 |
2018-2019 |
|
1 |
Source |
|
|
|
|
|
|
Net Profit
(After Tax) |
0.887 |
1.263 |
1.782 |
2.481 |
|
|
Depreciation |
1.677 |
1.469 |
1.301 |
1.158 |
|
|
Increase
(Decrease) in capital (Drawings) |
3.656 |
0.624 |
(0.019) |
(0.198) |
|
|
Increase in term
liabilities |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
Decrease in |
|
|
|
|
|
|
-Fixed assets |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
-Other
non-current assets |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
Others |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
Total |
6.220 |
3.356 |
3.064 |
3.440 |
|
|
|
|
|
|
|
|
2 |
Uses |
|
|
|
|
|
|
Net Loss |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
Decrease in term
liabilities |
(7.016) |
0.418 |
0.475 |
0.541 |
|
|
Increase in |
|
|
|
|
|
|
-Fixed assets |
11.500 |
0.000 |
0.000 |
0.000 |
|
|
-Other
non-current assets |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
Dividend
payments |
0.300 |
0.400 |
0.500 |
0.600 |
|
|
Others |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
Total |
4.724 |
0.818 |
0.975 |
1.141 |
|
|
|
|
|
|
|
|
3 |
Long term
surplus / deficit |
1.495 |
2.538 |
2.088 |
2.299 |
|
|
|
|
|
|
|
|
4 |
Increase /
Decrease in Current Assets |
1.400 |
2.462 |
3.824 |
3.290 |
|
|
|
|
|
|
|
|
5 |
Increase /
Decrease in Current Liabilities |
0.091 |
0.152 |
0.334 |
0.400 |
|
|
|
|
|
|
|
|
6 |
Increase /
Decrease in Working Capital Gap |
1.309 |
2.310 |
3.490 |
2.889 |
|
|
|
|
|
|
|
|
7 |
Net Surplus /
Deficit [3-6] |
0.186 |
0.228 |
(1.402) |
(0.590) |
|
|
|
|
|
|
|
|
8 |
Increase /
Decrease in Bank Borrowing |
0.010 |
0.000 |
1.000 |
0.000 |
|
|
Diff. |
0.196 |
0.228 |
(0.402) |
(0.590) |
|
|
|
|
|
|
|
|
4 |
Break-up |
|
|
|
|
|
|
Increase /
Decrease in Raw Materials |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
Increase /
Decrease in Stock in Process |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
Increase /
Decrease in Finished Goods |
0.200 |
0.800 |
1.050 |
1.320 |
|
|
Increase /
Decrease in Receivables |
1.193 |
1.654 |
2.764 |
1.958 |
|
|
Increase / Decrease
in Stores and Spares |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
Increase /
Decrease in other Current Assets |
0.007 |
0.008 |
0.010 |
0.012 |
------------------------------------------------------------------------------------------------------------------------------
COMPARATIVE STATEMENT OF CURRENT ASSETS AND
CURRENT LIABILITIES
(RS. IN MILLION)
|
Sr. No. |
Particulars |
2015-2016 |
2016-2017 |
2017-2018 |
2018-2019 |
|
|
|
|
|
|
|
|
A |
Current Assets |
|
|
|
|
|
|
|
|
|
|
|
|
1 |
Raw Materials |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
Months’ Purchase
|
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
2 |
Stock in Process
|
0.000 |
0.000 |
0.000 |
0.000 |
|
|
Months’ Cost of
Sales |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
3 |
Finished Goods |
4.430 |
5.230 |
6.280 |
7.600 |
|
|
Months’ Cost of
Sales |
2.50 |
2.50 |
2.51 |
2.53 |
|
|
|
|
|
|
|
|
4 |
Other Consumables
Spares |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
Months’
Purchase |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
5 |
Receivables
other than export and deferred receivables (Including Bill Purchased and
discounted by bankers ) |
2.569 |
4.223 |
6.987 |
8.945 |
|
|
Months’ Domestic
Sales |
1.31 |
1.79 |
2.47 |
2.63 |
|
|
|
|
|
|
|
|
6 |
Export
Receivables Including Bill Purchased and discounted) |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
Months’ Export
Sales |
0.00 |
0.00 |
0.00 |
0.00 |
|
|
|
|
|
|
|
|
7 |
Advance to
Suppliers of Raw Materials and Store / Spares, Consumables |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
8 |
Other Current
Assets Including Cash and Bank Balance and deferred receivables due within one
year (Specify major items) |
0.337 |
0.449 |
0.576 |
0.696 |
|
|
|
|
|
|
|
|
9 |
Total Current
Assets |
7.336 |
9.902 |
13.843 |
17.240 |
|
|
(to agree with
item 34 in Form III) |
0.00 |
0.00 |
0.00 |
0.00 |
|
|
|
|
|
|
|
|
B |
Current Liabilities
|
|
|
|
|
|
|
(Other than Bank
borrowings for Working Capital) |
|
|
|
|
|
|
|
|
|
|
|
|
10 |
Creditors for
Purchase of Raw Materials, Stores and Consumables Spares |
1.296 |
1.435 |
1.754 |
2.135 |
|
|
Months’
Purchases |
0.84 |
0.75 |
0.75 |
0.75 |
|
|
|
|
|
|
|
|
11 |
Advance from
Customers |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
12 |
Statutory
Liabilities |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
13 |
Other Current Liabilities
(Specify Major Items) |
0.064 |
0.076 |
0.092 |
0.110 |
|
|
|
|
|
|
|
|
14 |
Total Current
Liabilities |
1.360 |
1.512 |
1.845 |
2.245 |
|
|
(to agree with
sub-total B in Form III) |
0.00 |
0.00 |
0.00 |
0.00 |
------------------------------------------------------------------------------------------------------------------------------
COMPUTATION ON MAXIMUM PERMISSIBLE BANK
FINANCE FOR WORKING CAPITAL
(RS. IN MILLION)
|
Sr. No. |
Particulars |
2015-2016 |
2016-2017 |
2017-2018 |
2018-2019 |
|
|
Second Method of Lending |
|
|
|
|
|
1 |
Total Current
Assets (9 in Form IV) |
7.336 |
9.902 |
13.843 |
17.240 |
|
|
|
|
|
|
|
|
2 |
Other Current Liabilities
other than Bank Borrowings (14 of Form IV) |
1.360 |
1.512 |
1.845 |
2.245 |
|
|
|
|
|
|
|
|
3 |
Working Capital
Gap (WCG) (1-2) |
5.976 |
8.390 |
11.997 |
14.995 |
|
|
|
|
|
|
|
|
4 |
Min. Stipulated net
working capital i.e. 25% Total Current Assets |
1.834 |
2.475 |
3.461 |
4.310 |
|
|
|
|
|
|
|
|
5 |
Actual /
Projected net working capital (45 in Form III) |
1.976 |
4.390 |
6.997 |
9.995 |
|
|
|
|
|
|
|
|
6 |
Items 3 Minus
Items 4 |
4.142 |
5.915 |
8.537 |
10.685 |
|
|
|
|
|
|
|
|
7 |
Items 3 Minus
Items 5 |
4.000 |
4.000 |
5.000 |
5.000 |
|
|
|
|
|
|
|
|
8 |
Maximum
permissible Bank Finance (Items 6 or 7 whichever is lower) |
4.000 |
4.000 |
5.000 |
5.000 |
|
|
|
|
|
|
|
|
9 |
Excess
borrowings representing shortfall on NWC (4-5) |
0.00 |
0.00 |
0.00 |
0.00 |
|
|
|
|
|
|
|
|
|
First Method
Lending |
|
|
|
|
|
|
|
|
|
|
|
|
1 |
Total Current
Assets (9 in Form IV) |
7.336 |
9.902 |
13.843 |
17.240 |
|
|
|
|
|
|
|
|
2 |
Other Current
Liabilities other than Bank Borrowings (14 of Form IV) |
1.360 |
1.512 |
1.845 |
2.245 |
|
|
|
|
|
|
|
|
3 |
Working Capital
Gap (WCG) (1-2) |
5.976 |
8.390 |
11.997 |
14.995 |
|
|
|
|
|
|
|
|
4 |
Min. Stipulated net
working capital i.e. 25% Total Current Assets |
1.494 |
2.098 |
2.999 |
3.749 |
|
|
|
|
|
|
|
|
5 |
Actual /
Projected net working capital (45 in Form III) |
1.976 |
4.390 |
6.997 |
9.995 |
|
|
|
|
|
|
|
|
6 |
Items 3 Minus
Items 4 |
4.482 |
6.293 |
8.998 |
11.246 |
|
|
|
|
|
|
|
|
7 |
Items 3 Minus
Items 5 |
4.000 |
4.000 |
5.000 |
5.000 |
|
|
|
|
|
|
|
|
8 |
Maximum
permissible Bank Finance (Items 6 or 7 whichever is lower) |
4.000 |
4.000 |
5.000 |
5.000 |
|
|
|
|
|
|
|
|
9 |
Excess
borrowings representing shortfall on NWC (4-5) |
0.00 |
0.00 |
0.00 |
0.00 |
------------------------------------------------------------------------------------------------------------------------------
RATIO ANALYSIS
(RS. IN MILLION)
|
Particulars |
|
2015-2016 |
2016-2017 |
2017-2018 |
||||||
|
|
|
|
|
|
||||||
|
Profitability
Ratios |
|
|
|
|
||||||
|
Operating Profit
Margin (%) |
|
8.28% |
9.70% |
9.86% |
||||||
|
Net Profit Margin
(%) |
|
3.76% |
4.46% |
5.24% |
||||||
|
|
|
|
|
|
||||||
|
Turnover Ratios |
|
|
|
|
||||||
|
Inventory
Turnover Ratio (Times) |
|
5.33 |
5.42 |
5.41 |
||||||
|
Debtors Turnover
Ratio (Times) |
|
9.19 |
6.71 |
4.87 |
||||||
|
Fixed Assets Turnover
Ratio (Times) |
|
1.70 |
2.28 |
3.06 |
||||||
|
Current Ratio
(Times) |
|
1.37 |
1.80 |
2.02 |
||||||
|
|
|
|
|
|
||||||
|
Solvency Ratios |
|
|
|
|
||||||
|
Debt Equity
Ratio (Times) |
|
0.86 |
0.70 |
0.55 |
||||||
|
Interest Covering
Ratio (Times) |
|
6.48 |
7.53 |
6.64 |
||||||
|
|
|
|
|
|
||||||
|
Earnings Ratios |
|
|
|
|
||||||
|
Book Value |
|
3.185 |
2.739 |
2.652 |
||||||
|
Earnings Per
Share (EPS) |
|
1.33 |
1.55 |
1.89 |
||||||
|
Cash Earnings
Per Share (CEPS) |
|
38.49 |
33.52 |
32.75 |
||||||
|
|
|
|
|
|
||||||
|
Performance Ratios |
|
|
|
|
||||||
|
Return on
Networth (%) |
|
6.87% |
8.71% |
10.96% |
||||||
|
Return on
Capital Employed (%) |
|
6.87% |
8.71% |
10.96% |
||||||
|
|
|
|
|
|
||||||
|
Expenses Ratios |
|
|
|
|
||||||
|
Raw material to
Sales (%) |
|
78.58% |
81.05% |
82.52% |
||||||
|
Manufacturing
Cost to Sales (%) |
|
90.01% |
88.59% |
88.44% |
||||||
|
Employee Cost to
Sales (%) |
|
2.57% |
2.57% |
2.57% |
||||||
|
Interest Cost to
Sales (%) |
|
2.37% |
1.98% |
2.06% |
||||||
|
Particulars |
|
2015-2016 |
2016-2017 |
2017-2018 |
|
||||
|
Other Ratios |
|
|
|
|
|
||||
|
Paid up capital |
|
6.662 |
8.149 |
9.412 |
|
||||
|
T N W |
|
8.549 |
9.912 |
11.694 |
|
||||
|
Total Outside
Liabilities/TNW |
|
0.148 |
0.125 |
0.113 |
|
||||
|
Net Sales/Total
Tangible Assets |
|
0.170 |
0.228 |
0.306 |
|
||||
|
PBT/Total
Tangible Assets |
|
0.006 |
0.010 |
0.016 |
|
||||
|
POA(PBT/TTA)
(NET SALES)% |
|
0.03% |
0.04% |
0.05% |
|
||||
|
|
|
|
|
|
|
||||
|
Existing and
Proposed Bank Finance |
|
4.000 |
4.000 |
5.000 |
|
||||
|
Inventory +
Receivables /Net Sales (In Days) |
|
10.821 |
12.178 |
14.243 |
|
||||
|
PBDIT |
|
3.631 |
4.218 |
4.651 |
|
||||
|
PBDIT (% to
Sales) |
|
1.595 |
1.544 |
1.419 |
|
||||
|
Total Current
Assets |
|
7.336 |
9.902 |
13.843 |
|
||||
|
Other Current
Liabilities |
|
5.360 |
5.512 |
6.845 |
|
||||
|
Working Capital
Gap |
|
5.976 |
8.390 |
11.997 |
|
||||
|
NWC |
|
1.976 |
4.390 |
6.997 |
|
||||
|
Bank
Finance/Current Assets (%) |
|
54.53% |
40.40% |
36.12% |
|
||||
|
NWS/Total
Current Assets (%) |
|
26.94% |
44.34% |
50.55% |
|
||||
|
Sundry Creditors
to Total Current Assets (%) |
|
17.67% |
14.49% |
12.67% |
|
||||
|
Other Current
Liabilities/Total Current Assets (%) |
|
73.06% |
55.66% |
49.45% |
|
||||
|
Chargeable
Assets (Inclusive Debtors) |
|
7.336 |
9.902 |
13.843 |
|
||||
|
Less: Sundry
Creditors |
|
1.296 |
1.435 |
1.754 |
|
||||
|
Net Chargeable
Current Assets |
|
6.040 |
8.467 |
12.089 |
|
||||
|
Total Purchases |
|
18.553 |
22.964 |
28.056 |
|
||||
|
|
|
|
|
|
|
||||
|
DSCR |
|
|
|
|
|
||||
|
Net Profit After
Depreciation and Interest |
|
0.887 |
1.263 |
1.782 |
|
||||
|
Add:
Depreciation |
|
1.677 |
1.469 |
1.301 |
|
||||
|
Add: Interest on
Term Loan |
|
0.507 |
0.926 |
0.868 |
|
||||
|
Total |
|
3.071 |
3.658 |
3.951 |
|
||||
|
Installment due
within one year |
|
0.189 |
0.418 |
0.475 |
|
||||
|
Interest on Term
Loan |
|
0.507 |
0.926 |
0.868 |
|
||||
|
Total |
|
0.697 |
1.344 |
1.344 |
|
||||
|
DSCR |
|
0.441 |
0.272 |
0.294 |
|
||||
------------------------------------------------------------------------------------------------------------
NETWORTH STATEMENT
MR. VIJAY KUMAR YADAV
(RS. IN MILLION)
BANK
DETAILS
|
Bank |
Branch |
SB / CD Account
No. |
Present Balance |
Last 6 Months |
|
- |
-- |
--- |
-- |
-- |
DETAILS
OF ASSETS
IMMOVABLE PROPERTY
|
Nature of Property |
Own/Joint |
Area |
Free hold or
Lease hold |
Location |
Purchase Cost |
Present Value |
Whether
encumbered (Give details) |
|
Non Agricultural Land |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
|
|
|
|
|
A-58 Garima Garden, Pasonda Sahibabad,
Ghaziabad – 201005, uttar Pradesh, India |
|
|
|
|
Commercial |
Sole |
-- |
-- |
-- |
-- |
-- |
|
|
Residential |
A-58 |
200 Sq.ft. |
Freehold |
-- |
18.000 |
Yes |
|
|
Flat House |
-- |
-- |
-- |
-- |
-- |
-- |
|
|
Agricultural Land |
-- |
-- |
-- |
|
|
|
|
|
Others |
-- |
-- |
-- |
--- |
-- |
-- |
MOVABLE PROPERTY
Insurance policy
|
Nature of company and Branch |
Policy No. |
Date of Issue |
Sum assured |
Surrender value |
Annual premium |
Premium paid
upto what period |
|
LIC Policy |
126815202 |
-- |
1.250 |
-- |
0.0.060 |
October, 2015 |
Jewellery
|
Particulars |
Quantity |
Valuation |
Details of
‘Stridhan’ if |
|
Gold |
-- |
1.000 |
-- |
|
Silver |
-- |
0.300 |
-- |
|
Others |
-- |
0.025 |
-- |
DETAILS OF LIABILITIES
[RS.
IN MILLION]
BORROWER
|
Borrowed from |
Purpose of loan |
Amount of loan |
Security |
Repayment terms |
Outstanding Balance |
|
PSB |
OD Limit |
4.000 |
A-58 Garima Garden, Pasonda Sahibabad,
Ghaziabad, uttar Pradesh India |
-- |
3.900 |
------------------------------------------------------------------------------------------------------------
NETWORTH STATEMENT
MRS. GEETA YADAV (guarantor)
[RS.
IN MILLION]
BANK
DETAILS
|
Bank |
Branch |
SB / CD Account
No. |
Present Balance |
Last 6 Months |
|
- |
-- |
--- |
-- |
-- |
DETAILS
OF ASSETS
IMMOVABLE PROPERTY
|
Nature of Property |
Own/Joint |
Area |
Free hold or
Lease hold |
|
Purchase Cost |
Present Value |
Whether
encumbered (Give details) |
|
Non Agricultural Land |
-- |
-- |
-- |
|
-- |
-- |
-- |
|
|
|
|
|
|
|
|
|
|
Commercial |
Sole |
100 Sq. yrad |
Freehold |
MB-21, Garima Garden, Pasonda Sahibabad, Ghaziabad – 201005, Uttar Pradesh, India |
-- |
8.000 |
-- |
|
|
|
|
|
|
|
|
|
|
Residential |
Owner |
100 Sq. Yard |
Freehold |
A-46, Garima Garden, Pasonda Sahibabad, Ghaziabad – 201005, Uttar Pradesh, India |
1.800 |
6.500 |
|
|
Flat House |
-- |
-- |
-- |
|
-- |
-- |
-- |
|
Agricultural Land |
-- |
-- |
-- |
|
|
|
|
|
Others |
-- |
-- |
-- |
|
--- |
-- |
-- |
MOVABLE PROPERTY
Insurance policy
|
Nature of company and Branch |
Policy No. |
Date of Issue |
Sum assured |
Surrender value |
Annual premium |
Premium paid
upto what period |
|
-- |
-- |
-- |
-- |
-- |
-- |
-- |
Jewellery
|
Particulars |
Quantity |
Valuation |
Details of
‘Stridhan’ if |
|
Gold |
-- |
1.500 |
-- |
|
Silver |
-- |
0.200 |
-- |
|
Others |
-- |
0.015 |
-- |
DETAILS OF LIABILITIES
Total
liabilities: --
------------------------------------------------------------------------------------------------------------------------------
VALUATION REPORTS
VALUATION
OPINION REF: DETAILS WITH BANK
CONTACT PERSON:
MR. PANKAJ SHARMA
|
|
1. They have received
bank request to inspect the property and submit opinion in specific bank
format. |
|
|
2. Property is
under consideration as security to bank. They assume Bank lawyer carried out
due diligence of legal aspect original verification of the documents
pertaining to this property, separately. |
|
|
3. Photocopies
of documents examined and contents observed thereon, useful in valuation are
as follows: |
|
|
4. They as
Architects/ engineers are engaged to provide their services to bank
pertaining to domain of our education and experience. |
|
|
|
|
SR. NO. |
DOCUMENTS |
|
DESCRIPTION AS ON DOCUMENTS |
|
1. A |
Sale deed dated 07/10/2013. Registration No.
10011. Page No. 371-402. Consideration Amount Rs. 1.087 Million |
Owner |
Smt. Geeta Yadav W/o Shri Vijay Yadav |
|
|
|
|
|
|
1.B |
Ref. Doc. Do. |
Address : |
Residential Plot No. MB-21, (Half Part),
Khasra No. 574 Min, Garima Garden Colony, Village-Pasonda, Tehsil-Loni,
District-Ghaziabad, Uttar Pradesh |
|
|
|
|
|
|
1.C |
Ref. Doc. Do. |
Description |
Residential plot land area measuring 100 Sq.
Yds. I.E. 83.61 sq. mtrs. |
|
1.D |
Ref. Doc. Do. |
Boundries : |
East: Plot No. MB-20 West: Plot Mr. Rajesh Yadav North : Road 30’ wide South: Plot No. M-4 & 5. |
|
|
|
|
|
|
1.E |
Sale deed dated 09.03.1992 Registration No.
734. Page No. 214-229 |
Description & Boundary for
Entire plot |
Residential Plot No.MB-21 land area
measuring 200 sq. yds. I.E. 167.22 Sq. Mtrs. East: Plot No. MB-20 North: Road 30’ wide South : Plot No. M-4 and 5 |
|
|
|
|
|
|
2.A |
Sanction map |
Not Provided |
|
|
|
|
|
|
|
3.A |
Electricity Bill |
Name |
Smt. Geeta Yadav |
|
|
|
|
|
|
3.B |
Ref. Doc. Do. |
Address |
MB-21, Garima Garden, Uttar Pradesh |
|
|
|
|
|
|
3.C |
Ref. Doc. Do. |
Others |
Account No. 1886161925 Bill No. 188618247359 A/C No. 1886161925 Bill Dated: 28.02.2015 Amount Rs. 1.266 Million |
SITE INSPECTION AND LOCATION PLAN:-
They have received ownership and borrower contact
No. from Bank on dated 21.07.2015, and called to Mr. Pankaj Sharma 9811793731
for visit the site property. Property visited on dated 05.08.2015, time around
12.00 PM, we have observed that property is used for Happy Public School and
commercial purpose by Owner. Permanent door plate was found on this property
entrance gate as Happy Public School BM-21, Ragubir Builder ke samne wali Gali,
30 Feeta Road, Garima, Pasonda, Sahiabad, Ghaziabad, U.P., we have identified
this property by door plate and adjoining door plates.
RATE, SALE –PURCHASE SURVEY:
|
Property Code |
Broker Name, Phone, Address |
Colony, Size, Features |
Property Lum-sum value |
|
Old Double Storied Building |
Chaudhary property 9871272786/09411695830 |
Residential Plot Garima Garden Colony,
Village-Pasonda, Tehsil – Loni, District-Ghaziabad, Uttar Pradesh, Plot area
200 sq. yds. on 30 feet road |
Rs. 6.500 to 7.000 Million asking price. |
|
Old Double Storied Building |
Chaudhary property 9871272786/09411695830 |
Residential Plot Garima Garden Colony,
Village-Pasonda, Tehsil – Loni, District-Ghaziabad, Uttar Pradesh, Plot area
100 sq. yds. on 30 feet wide. |
Rs. 2.800 to 3.000 Million asking price |
Declaimer: Above mentioned broker/property dealer where
randomly picked from property public display of name + phone numbers and by
visiting here shops for inquiries. We neither have their consents to display
their name and replies on our reports/ non brokers known that their names and
replies can be coated on records. Kindly take care above facts, before calling
than for verifications.
SUMMARY AND CALCULATION:
Relevant input received regarding the property
are explained above, under document listing and bank valuation format. We have
also documented rates survey as “Market Survey Details”. After going, through
available ainformation, their view is that sale price of similar properties
shall range between Rs. 3.500 Million to Rs. 4.500 Million on lump-sum basis.
Their view is further clarified in below calculation.
|
CALCULATION |
|||||||
|
|
LAND AND BUILDING METHOD |
||||||
|
|
LAND VALUE : |
||||||
|
|
Area of land |
= |
|
100.00 |
Sq. Yds. |
||
|
|
Land rate adopted for valuation |
= |
Rs. |
0.025 |
Sq. Yds. |
||
|
|
Land Value |
= |
Rs. |
2.500 |
………A |
||
|
|
|
|
|
|
|
||
|
|
Building Value : |
Sft. |
Rates |
|
|
|
|
|
1 |
Ground floor |
585 |
1300 |
= |
Rs. |
0.760 |
|
|
2 |
First floor |
585 |
1200 |
= |
Rs. |
0.702 |
|
|
|
Total |
= |
Rs. |
1.462 |
|
||
|
|
Depreciation |
|
|||||
|
|
Building 2-3 years old constructed. |
= |
Rs. |
Nil |
|
||
|
|
|
|
|
1.462 |
|
||
|
|
Building value say |
= |
Rs. |
1.500 |
………B |
||
|
|
Total Value of Property |
A + B |
|
||||
|
|
|
= |
Rs. |
4.000 |
|
||
|
|
Value Assessment |
|
|
|
|
||
|
I. |
Fair Market Value of Property, say, |
= |
Rs. |
4.000 |
|
||
|
|
|||||||
|
II. |
Realizable Value of the property @80%
approx. |
= |
Rs. |
3.200 |
|
||
|
|
|||||||
|
III. |
Cost of construction for insurance |
= |
Rs. |
1.500 |
|
||
|
|
|||||||
|
III. |
Guideline value/value of IP as per Circle
rates, |
|
|||||
|
|
Cat. F |
Sq. Mtrs. |
Rate |
|
|
|
|
|
|
Land Value |
83.6 |
15,000 |
= |
Rs. |
1.254 |
|
|
|
Building Value |
108.7 |
12,000 |
= |
Rs. |
1.305 |
|
|
|
Total |
= |
Rs. |
2.559 |
|
||
|
|
Say |
= |
Rs. |
2.559 |
|
||
|
V |
F.M.V. / C.V. |
That is |
40 |
/ |
|
25.59 |
|
|
|
|
that is |
1.56 |
|
|
|
|
VALUATION
FORM
|
1. Purpose for which valuation is made : |
To Assess fair Market value for Bank
Security Purposes. |
|
2. Date as on which valuation is made : |
10.08.2015 |
|
3. Name of the owner/owners : |
Belonging To, Smt. Geeta Yadav W/o Shri Vijay Yadav |
|
4. If the property is under joint
ownership/Co-ownership share of each such owner. Are the shares undivided? |
Single Ownership |
|
5. Brief description of the property : |
Eastern portion of residential plot with double
stories building built-up on land area measuring 100 sq. yds., out of Total
plot land area 200 Sq.yds. |
|
6. Location, Street Ward no. : |
Residential Plot No.MB-21, (Eastern
Portion), Garima Garden Colony, Village-Pasonda, Tehsil-Loni, District-Ghaziabad,
Uttar Pradesh |
|
7. Survey/Plot No. of Land : |
Do. |
|
8. Is the property situated in
Residential/Commercial/Mixed Area/Residential Area : |
Residential Area, this property used for commercial/School
purpose, conversion charges details not provided by owner. |
|
9. Classification of locality-high class/
middle class/poor class : |
Middle class |
|
10. Proximity to civic amenities likes
schools, hospitals, offices, markets, cinemas etc. : |
All within 1 to 2 Km area |
|
11. Means and proximity to surface
communication by which the locality is served. |
By Motorable road |
|
LAND |
|
|
12. Area of land supported by document
proof. Shape, dimensions and physical feature. |
Rectangular shape plot, land area measuring
100 Sq. yds. out of total plot land area 200 Sq. yds. |
|
13. Roads, Streets or lanes on which the
land is abutting. |
East: Plot No.MB-20. West: Portion of Plot No.MB-21 Mr. Rajesh
Yadav Than Plot No. MB-22. North: Road 30’Wide South: Plot No. M-4 and 5 |
|
14. Is it freehold/leasehold land? |
Freehold |
|
15. If Leasehold, the names of
lesser/lessee, nature of lease dates of commencement and termination of
lease. |
Not Applicable |
|
1) Initial Premium |
Not Applicable |
|
2) Ground rent payable per Annum |
Not Applicable |
|
3) Unearned increased payable to the lesser
in the event of sale or transfer |
Not Applicable |
|
16. Is there any restrictive convenant
regard to use of land, if so, attaching a copy of the covenant. |
For residential used only but this property
used for commercial/School purpose, conversion charges details not provided
by owner. |
|
17. Are there any agreements of easement if
so, attach copies : |
No. |
|
18. Does the land fall in area including any
town-planning plan of Govt. or any statutory body If, so give particulars |
GDA |
|
19. Has any contribution been made towards
development, is any demand for such contribution still outstanding. |
Development charges are demanded by
approving authority during approval of drawing. Sanction map not available
with owner/Bank record. |
|
20. Has Govt. or any statutory body notified
the whole or part of the land for acquisition? Give the date of notification. |
No |
|
21. Attach dimensioned site plan |
Site plan/Sanction map not with owner/Bank
record. |
|
IMPROVEMENT |
|
|
22. Attach Plans and elevations of all the
structure standing on the land. |
Details as below. Photograph of the property enclosed with the
report. |
|
Furnish technical details of the building on
a separate sheet (The annexure to this form may be used). |
Enclosed Annexture – I |
|
24. 1) Is the building owner occupied,
tenanted/ Both? |
Property is used for Happy Public School and
Commercial purpose by owner, above details verbally provided during side
visit. We have obtained recent electricity bill as
proof of possession. They have visited property from inside, photographs
enclosed with report. |
|
2) If Partly owner occupied/ specity portion
and extent of area under owner occupation. |
Not applicable |
|
25. what is the floor space index
permissible and percentage actually utilized |
As per building bay laws (Entire plot) Ground Coverage = 65% Far = 175 |
|
26. I) Name of the tenants/lessees/ License etc. |
Not applicable |
|
II) Portion in their occupation |
Not applicable |
|
III) Monthly or annual rent/ Compensation/ License fee etc. paid
by each |
Not applicable |
|
27. Give details of water and electricity
charges if any to be borne by the owner |
Details mention in on page no.2 |
|
28. If a lift is installed, who has to bear
the cost of maintenance and operations, owner or tenant? |
No |
|
29. What is the amount of property tax? Who is to bear it? Give details with
documentary proof |
Details mention as above |
|
30. Is the building insured? If so, give the
policy NO., Amount for which it is insured and the annual premium |
Details available with bank. However, cost
of construction for insurance purpose mentioned in calculations sheet of the
report. |
|
31. Is any dispute between landlord and
tenant regarding the rent is pending in a court of law? |
Not Applicable |
|
SALES |
|
|
32. Give instance of sale of immovable property
in the locality on a separate sheet indicating the name and address of the
property, registration No., Sale price and area of land sold. |
As above. |
|
33. Land rate adopted in this valuation : |
See Calculation sheet |
|
34. If sale instances are not available or
not relied upon, the basis of arriving at the land rate. |
Prevailing market survey, location, shape,
and size. |
|
|
|
DECLARATION:
Declare that:-
a. The information furnished above is true and
correct to the best of my knowledge and belief. They have relied upon details
fully explained on page 1 of this report.
b. They have no direct or indirect interest in
the property valued.
c. The property has been inspected on above
date, Surveyor Team, using Camera, laser distometer, and GPS tool has performed
data collection for site parameters. Property examined and valuation carried
out by undersigned.
d. As per documents available with bank and
accordingly details mentioned on this report. They confirm that we have visited
the right property, relaying upon information collected from relevant document
is summarized on page No. 1, to process/fill valuation form.
e. Valuation of property is inclusive of all
demand and dues.
TECHNICAL
DETAILS
|
1. No. of floors and height of each floor. |
Permissible covered area : Ground Floor = 585 Sft. approx. 10’-0” First Floor = 585 Sft. approx. 10’-0” |
|
2. Year of Construction |
Building approx. 2-3 Years old constructed |
|
3. Estimated Future Life |
Future life assessed 57 years |
|
4. Type of Construction load bearing
walls/R.C.C frame/ steel frame. |
R.C.C. Frame structure |
|
5. Type of foundation |
R.C.C. foundation |
|
6. Walls |
9” thick brick wall in cement mortar |
|
7. Partitions |
4.5” thick brick wall in cement mortar |
|
8. Door / Windows |
M/S Frame door and window’s frame with fixed
penal shutter. |
|
9. Flooring |
I.P.S. and Vitrified tiles Flooring |
|
10. Finishing |
|
|
External : |
Snowcem Paint over the base of cement plaster |
|
Internal : |
Snowcem Paint over the base of cement
plaster |
|
11. Roofing and Terracing |
R.C.C. roof |
|
12. Special Architectural Decorative
Features |
Photographs of the property enclosed with
report |
|
13. A) Sanitary installaton |
Toilet with tiles on walls, colored
chinaware fixtures, C.P. Taps |
|
B) Kitchen |
Nil |
|
14. A) Electrical Wiring |
Concealed conduits wiring |
|
B) Class of Fitting |
Medium |
|
15. A) Water Supply install |
G.I. and C.I. Pipes |
|
B) Class of Fittings |
Medium |
|
C) Overhead tank |
Yes at terrace |
|
16. Community services and Sewer line |
Connected to public Sewer |
|
17. Compounding wall |
Part of building |
|
18. Parking |
Nil |
------------------------------------------------------------------------------------------------------------------------------
VALUATION REPORTS
VALUATION
OPINION REF: DETAILS WITH BANK
CONTACT PERSON:
MR. PANKAJ SHARMA
Document List:
|
|
1. They have
received bank request to inspect the property and submit opinion in the
format specified by the bank |
|
|
2. They as Architects/engineers are engaged to
provide their services to bank pertaining to domain of their education and
experience. |
|
|
3. Property is under consideration as
security to bank. They assume that the Bank lawyer has carried out due
diligence of legal aspects and original verification of the documents
pertaining to this property, separately. |
|
|
4. Photocopies of documents examined and
contents observed thereon, useful in valuation are as follows: |
|
|
|
|
S. No. |
Documents |
Property description |
|
|
|
|
|
|
|
1.A |
Agreement to sale. Purchase Amount Rs. 8.000
Million |
Proposed purchaser |
Shri Vijay Kumar Yadav S/o Shri Babu Lal
Yadav |
|
|
|
|
|
|
1.AA |
Lease deed dated 27.10.2006 Registration No. 24489 Page No. 106-129 Consideration Amount Rs. 0.269 Million |
Owner |
Mr.
Piyush Agarwal S/o Shri Shyam Lal Agarwal |
|
|
|
|
|
|
1. B |
Doc ref: do. |
Address |
Industrial Plot No. S-47, Industrial area
Site-II, Loni Road, Ghaziabad, Uttar Pradesh |
|
|
|
|
|
|
1.C |
Doc ref: do. |
Description |
Industrial plot land area measuring 510.96
sq. mtrs. |
|
|
|
|
|
|
1.D |
Doc ref: do. |
Boundary |
North: Plot No. S-46. South: Plot No. S-48 East: Park West: 40’ wide Road |
|
|
|
|
|
|
2.A |
Sanction map dated 19.12.2006 approved Through
Ghaziabad Development Authority |
Total Area of Plot 16.77 M X 30.49 M =
510.96 Sq. Mtrs. Permissible Ground Coverage 55% = 281.02 Sq.
Mtrs. Permissible FAR 80% = 408.76 Sq. Mtrs. Proposed Covered area Ground Floor = 223.88 Sq. Mtrs. First Floor = 182.89 Sq. Mtrs. Basement = 199.88 Sq. Mtrs. Mumti = 26.85 Sq. Mtrs. Total = 633.50 Sq. Mtrs. |
|
|
|
|
|
|
|
3.A |
Proof of possession like Electricity bill,
water bill, telephone bill etc. |
|
Not Provided |
|
|
|
|
|
SITE
INSPECTION AND LOCATION PLAN:
They have received ownership and borrower
contact No. from Bank on dated 21.07.2015, and called to Mr. Pankaj Sharma
9811793731 for visit the site property. Property visited on dated 08.08.2015,
they have visited above property in presence of Mr. Vijay 9891209554, during
site visit they have observed that property is vacant industry, Permanent door
plate was not found on this property entrance gate, they have identified this
property by adjoining door plates.
MARKET
RATE SURVEY:
|
Property Code |
Broker Name,
Phone, Address |
Colony, Size,
Features |
Property Lum-sum
value |
|
Vacant
Industrial Plot. |
Pal properties
9810378713/9585124157 |
Industrial are Site-II, Loni road, Harsha Compound,
Ghaziabad, Uttar Pradesh, plot area 500 Sq. Mtrs. |
Rs. 0.018 to Rs. 0.022 Million per Sq. Mtrs.
Asking price. |
|
Vacant plot. |
Chauhan property
9818369480/9310060163 |
Industrial area Site-II, Loni road, Harsha
Compound, Ghaziabad, Uttar Pradesh. plot area 500 Sq. Mtrs. |
Rs. 0.025 to Rs. 0.025 Million per Sq. Mtrs.
Asking price |
|
Single Storied
shed building |
Pal properties
9810378713/9585124157 |
Industrial area Site-II, Loni road, Harsha
Compound, Ghaziabad, Uttar Pradesh. 500 Sq. Mtrs. |
Rs. 11.000 Million Asking Price |
Declaimer: Above mentioned broker/property dealer where
randomly picked from property display of name + phone numbers and by visiting
here shops for inquiries. They neither have their consents their name and
replies on their reports/records nor brokers known that can their names and
replies be coated on records. Kindly take care above facts, before calling than
for verifications.
SUMMARY AND CALCULATION:
Relevant input received regarding the property
are explained above, under document listing and bank valuation format. They
have also documented rates survey as “Market Survey Details”. After going
through available information, their view is the sale prices of similar
properties shall range between Rs. 15.000 to Rs. 17.500 Million on lump-sum
basis.
Their view is further clarified in calculation
given below.
|
|
CALCULATION |
||||||
|
|
LAND AND
BUILDING METHOD |
||||||
|
|
LAND VALUE: |
||||||
|
|
Area of land |
= |
|
510.960 |
Sq. Mtr. |
||
|
|
Land rate adopted for valuation |
= |
Rs. |
0.020 |
Per. Sq.Mtr. |
||
|
|
Fair Market Price of the Land |
= |
|
Area X Rate |
|
||
|
|
|
= |
Rs. |
10.219 |
………A |
||
|
|
BUILDING VALUE : |
||||||
|
|
|
Sq. Mtr. |
Rate |
|
|
|
|
|
|
Basement |
199.88 |
10000 |
= |
Rs. |
2.198 |
|
|
|
Ground floor with double height |
223.88 |
11000 |
= |
Rs. |
2.462 |
|
|
|
First floor |
182.89 |
10000 |
= |
Rs. |
1.828 |
|
|
|
Mumti |
26.85 |
8000 |
= |
Rs. |
0.214 |
|
|
|
Add extra for Boundary wall, open area
treatment, M.S. Gate etc. |
|
|
= |
Rs. |
0.500 |
|
|
|
Total building value, Say |
= |
Rs. |
7.205 |
|
||
|
|
Depreciation |
|
|||||
|
|
Building Value X 0.9 X 10/60 |
(-) |
= |
Rs. |
1.081 |
|
|
|
|
|
= |
Rs. |
6.124 |
|
||
|
|
Total building value, Say |
= |
Rs. |
6.200 |
……….B |
||
|
|
Value of Property |
= |
Rs. |
A+B |
|
||
|
|
|
|
|
Land + Building |
|
||
|
|
Fair Market Value of Property |
= |
Rs. |
16.419 |
|
||
|
|
Value
Assessments |
|
|||||
|
I. |
Fair Market Value of Property |
= |
Rs. |
16.500 |
|
||
|
|
|
||||||
|
II. |
Realizable Value of the property @80% |
= |
Rs. |
13.200 |
|
||
|
|
|
||||||
|
III. |
Cost of construction for insurance |
= |
Rs. |
6.200 |
|
||
|
|
|
||||||
|
IV. |
Guideline value/ value of IP as per Circle
rates, |
|
|||||
|
|
|
Sq. Mtr. |
Rate |
|
|
|
|
|
|
Land value 510.96 13700 |
= |
Rs. |
7.000 |
|
||
|
|
Building value 633.50 12000 |
= |
Rs. |
7.602 |
|
||
|
|
Total |
= |
Rs. |
14.602 |
|
||
|
|
Say |
= |
Rs. |
14.603 |
|
||
|
|
|
|
|
|
|
|
|
|
V. |
F.M.V. / C.V. that is |
1,65,00,000 |
/ |
14.603 |
|
||
|
|
|
that
is |
1.130 |
|
|
|
|
VALUATION
FORM
|
1. Purpose for which valuation is made : |
To Assess fair Market value for Bank
Security Purpose. |
|
2. Date as on which valuation is made : |
10.08.2015 |
|
3. Name of the owner/owners : |
Proposed Purchaser : Shri Vijay Kumar Yadav S/o Shri Babu Lal
Yadav |
|
|
Seller/Owner: Mr. Piyush Agarwal S/o Shri Shyam Lal
Agarwal |
|
4. If the property is under joint
ownership/CO-Owernership share of each such owner. Are the shares undivided? |
Single Ownership |
|
5. Brief description of the property : |
Industrial plot Land area measuring
dimension 16.77 M X 30.49 M = 510.96 Sq.Mtrs. With three Storied RCC
industrial building with basement. |
|
6. Location, Street Ward no. : |
Industrial plot No.S-47, Industrial area,
Site-II, Loni Road, Ghaziabad, Uttar Pradesh |
|
7. Survey/Plot No. of land : |
Do. |
|
8. Is the property situated in
Residential/Commercial/Mixed Area/Industrial Area |
Industrial Area |
|
9. Classification of locality-high class/
middle class/poor class |
Industrial Area |
|
10. Proximity to civic amenities likes
schools, hospitals, offices, markets, cinemas etc. |
All within 5 to 6 km |
|
11. Means and proximity to surface
communication by which the locality is served |
By motorable road |
|
12. Area of land supported by document
proof. Shape, dimension and physical features. |
Rectangular Shape Plot, Measuring Area
Measuring dimension 16.77 M X 30.49 M = 510.96 Sq.Mtrs. |
|
13. Roads, Streets or lanes on which the
land is abutting. |
North: Plot No. S-46 South: Plot No.S-48. East: Park West: 40’ wide Road |
|
16. Is it freehold/leasehold land? |
Leasehold |
|
15. If Leasehold, the names of
lesser/lessee, nature of lease dates of commencement and termination of
lease. |
U.P.S.I.D.C. Limited |
|
1) Initial premium |
As per lease deed. |
|
2) Ground rent payable per annum |
As per lease deed |
|
3) Unearned increased payable to the lesser
in the event of sale or transfer |
Transfer charges applicable |
|
16. Is there any restrictive covenant regard
to use of land, if so, attaching a copy of the covenant |
Not Applicable |
|
17. Are there any agreements of easement if
so, attach copies |
No |
|
18. Dopes the land fall in area including any
town-planning plan of Govt. or any statutory body? If, so give particulars |
U.P.S.I.D.C. Limited |
|
19. Has any contribution been made towards
development, is any demand for such contribution still outstanding |
Development charges are demanded by approving
authority during approval of drawing. Sanction Map available with owner/bank
record. |
|
20. Has Govt. or any statutory body notified
the whole or part of the land for acquisition? Give the date of notification |
No. |
|
21. Attach dimensioned site plan |
Santion Map with Site plan available with
owner/bank record |
|
22. furnish technical details of the
building on a separate sheet (The annexure to this form may be used) |
Annexure-1 Enclosed |
|
23. 1) Is the building owner occupied,
tenanted/Both? |
Vacant |
|
2) If Partly owner occupied/specify portion
and extent of area under owner occupation |
Not Applicable |
|
24. What is the floor space index
permissible and percentage actually utilized |
As per sanction map Ground Coverage = 55% FAR = 80 |
|
25. I) Name of the tenants/lessees/License
etc. |
Not applicable |
|
II) Portions in their occupation |
Not applicable |
|
III) Monthly or annual
rent/Compensation/License fee etc. paid by each |
Not applicable |
|
26. Give details of water and electricity
charges if any to be borne by the owner. |
Details mentions in declaration of report on
page on 2. |
|
27. If a lift is installed, who has to bear
the cost of maintenance and operations, owner or tenant> |
No |
|
28. What is the amount of property tax? Who is to bear it? Give details with
documentary proof |
Details not available |
|
29. Is the building insured? If so, give the
policy No., Amount for which it is insured and the annual premium |
Details not provided. However, insurance
value is mentioned in calculation sheet of the report |
|
30. Is any dispute between landlord and
tenant regarding the rent is pending in a court of law? |
Not Applicable |
|
SALES |
|
|
31. Give instance of sale of immovable property
in the locality on a separate sheet indicating the name and address of the
property, registration No., Sale price and area of land sold. |
Details as below |
|
32. Land rate adopted in this valuation |
Land area rates Details mentioned in
calculation sheet. |
|
33. If sale instances are not available or
not relied upon, the basis of arriving at the land rate |
Prevailing market survey, location, shape
and size. |
DECLARATION:
They hereby declare that:-
a. The information furnished above is true and
correct to the best of my knowledge and belief. They have relied upon details
fully explained on page 1 of this report.
b. They have no direct or indirect interest in
the property valued.
c. The property has been inspected on above
date, Surveyor Team, using Camera, laser distometer, and GPS tool has performed
data collection for site parameters. Property examined and valuation carried
out by undersigned.
c. As per documents available with bank and
accordingly details mentioned on this report. We confirm that we have visited
the right property, relaying upon information collected from relevant document
is summarized on page No.1 to process/fill valuation form.
e. Valuation of property is inclusive of all
demand and dues.
TECHNICAL
DETAILS
|
1. No. of floors
and height of each floor |
Area as per
sanction map Ground Floor =
223.88 Sq. Mtrs. First Floor =
182.89 Sq. Mtrs. Basement =
199.88 Sq. Mtrs. Mumit = 26.85
Sq. Mtrs. Total = 633.50
Sq. mtrs. |
|
2. Year of
Construction |
Building approx.
9-10 years old constructed |
|
3. Estimated
Future Life |
Approx. 50 years |
|
4. Type of
Construction load bearing walls/ R.C.C. frame/ steel frame |
R.C.C. frame
structure with brick filler wall. |
|
5. Type of foundation |
Spread footing
foundation |
|
6. Walls |
9” brick walls
in cement mortar |
|
7. Partitions |
4.5” brick walls
in cement mortar |
|
8. Door/ Windows
|
M.S. frame
Door/window with penal shutter and glass fixed |
|
9. Flooring |
Marble, Kota Stone
and I.P.S. Flooring |
|
10. Finishing |
|
|
External : |
Snowcem paint
over the base of cement plaster |
|
Internal : |
Interior paint
over the base of cement plaster |
|
11. Roofing and
Terracing |
R.C.C. roof |
|
12. Special Architectural
Decorative Features |
Photograph of
property enclosed with report |
|
13. A) Sanitary
installation |
Toilet with
necessary sanitary fixtures and fittings, C.P. taps etc. |
|
B) Kitchen |
Yes |
|
14. A)
Electrical Wiring |
Concealed conduit
wiring |
|
B) Class of
Fitting |
Medium |
|
15. A) Water
Supply install |
G.I. and C.I.
pipes for water supply and sewerage disposal |
|
B) Class of
Fittings |
Medium |
|
C) Overhead tank |
Yes |
|
16. Community
services and Sewer line |
Connected to
Public Sewer |
|
17. Compounding
wall |
Yes |
|
18. Parking |
Sufficient space
in Driveway and on road |
------------------------------------------------------------------------------------------------------------
FIXED ASSETS
· Computer
· Furniture
· Machinery
· Motor bike
· Property at Ghaziabad and Shahdara
· Tata ACE
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 records exist designating subject or any of its beneficial owners,
controlling shareholders or senior officers as terrorist or terrorist
organization or whom notice had been received that all financial transactions
involving their assets have been blocked or convicted, found guilty or against
whom a judgement or order had been entered in a proceedings for violating
money-laundering, anti-corruption or bribery or international economic or
anti-terrorism sanction laws or whose assets were seized, blocked, frozen or
ordered forfeited for violation of money laundering or international
anti-terrorism laws.
2] Court Declaration :
No records exist to suggest that subject is
or was the subject of any formal or informal allegations, prosecutions or other
official proceeding for making any prohibited payments or other improper
payments to government officials for engaging in prohibited transactions or
with designated parties.
3] Asset Declaration :
No records exist to suggest that the property or assets of the subject
are derived from criminal conduct or a prohibited transaction.
4] Record on Financial
Crime :
Charges or conviction
registered against subject: None
5] 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.66.16 |
|
|
1 |
Rs.103.87 |
|
Euro |
1 |
Rs.75.88 |
INFORMATION DETAILS
|
Information Gathered
by : |
SVA |
|
|
|
|
Analysis Done by
: |
DIV |
|
|
|
|
Report Prepared
by : |
SNT / JYO |
SCORE & RATING EXPLANATIONS
|
SCORE FACTORS |
RANGE |
POINTS |
|
HISTORY |
1~10 |
4 |
|
PAID-UP CAPITAL |
1~10 |
3 |
|
OPERATING SCALE |
1~10 |
4 |
|
FINANCIAL
CONDITION |
|
|
|
--BUSINESS SCALE |
1~10 |
4 |
|
--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 |
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 |
NO |
|
--LISTED |
YES/NO |
NO |
|
--OTHER MERIT FACTORS |
YES/NO |
YES |
|
DEFAULTER |
|
|
|
--RBI |
YES/NO |
NO |
|
--EPF |
YES/NO |
NO |
|
TOTAL |
|
30 |
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.