MIRA INFORM REPORT
|
Report No. : |
355188 |
|
Report Date : |
19.12.2015 |
IDENTIFICATION DETAILS
|
Name : |
P R SALES CORPORATION PRIVATE LIMITED |
|
|
|
|
Registered
Office : |
Flat No. 1, Kedar Apartments, Plot No 48, Mayur Colony, Kothrud,
Pune – 411038, Maharashtra |
|
Tel. No.: |
91-20-25437591 |
|
|
|
|
Country : |
India |
|
|
|
|
Financials (as
on) : |
31.03.2013 |
|
|
|
|
Date of
Incorporation : |
21.11.2011 |
|
|
|
|
Com. Reg. No.: |
11-141408 |
|
|
|
|
Capital Investment
/ Paid-up Capital : |
Rs.19.837 Million |
|
|
|
|
CIN No.: [Company Identification
No.] |
U52399PN2011PTC141408 |
|
|
|
|
IEC No.: |
3112000773 |
|
|
|
|
TAN No.: [Tax Deduction &
Collection Account No.] |
Not Available |
|
|
|
|
PAN No.: [Permanent Account No.] |
AAGCP2942P |
|
|
|
|
Legal Form : |
Private Limited Liability Company |
|
|
|
|
Line of Business
: |
Trading and Importing of all types of Cutting Tools. (Confirmed by
management) |
|
|
|
|
No. of Employees
: |
14 (Approximately) |
RATING & COMMENTS
|
MIRA’s Rating : |
B (26) |
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
26-40 |
B |
Capability to overcome financial difficulties seems comparatively
below average. |
Small |
|
Maximum Credit Limit : |
USD 58000 |
|
|
|
|
Status : |
Moderate |
|
|
|
|
Payment Behaviour : |
Slow but correct |
|
|
|
|
Litigation : |
Clear |
|
|
|
|
Comments : |
Subject is company incorporated during the year 2011. It has a
moderate track record. Management has failed to file its financial record with the government
department for the year 2014 and 2015. As per available financial for the year 2013, the company has average
operational activity and earned minimum profits, where the revenue reported
is to be decent of Rs. 105.700 Million. Further the company has moderate financial risk profile and low
reserves position along with unfavourable gap between trade payables and
receivables. Payment terms are slow but correct. The company can be considered for business dealings with some
cautions. |
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
31-03-2015.
INFORMATION PARTED BY
|
Name : |
Mr. Sachin Thatte |
|
Designation : |
Senior Accountant |
|
Contact No.: |
91-20-25437591 |
|
Date : |
17.12.2015 |
LOCATIONS
|
Registered Office / Head Office : |
Flat No. 1, Kedar Apartments, Plot No 48, Mayur Colony,
Kothrud, Pune – 411038, Maharashtra, India |
|
Tel. No.: |
91-20-25437591 / 25441501 |
|
Mobile No.: |
91-9881094747 (Mr. Amol Narayan Rane) |
|
Fax No.: |
91-20-25445255 |
|
E-Mail : |
|
|
Website : |
|
|
Location : |
Owned |
|
Locality : |
Commercial |
|
|
|
|
Branch Office 1 : |
1/4, Prakash Co - Operative Housing Society., Relief Road,
Daulat Nagar, Santacruz (West), Mumbai – 400054, Maharashtra, India |
|
|
|
|
Branch Office 2 : |
G-1, Abacus 3575, 4th
Cross, 13 Gmail, HAL 2nd Stage, Indiranagar, Bangalore – 560008, Karnataka, India
|
|
|
|
|
Branch Office 3 : |
House No. 326, 4th Cross, 8th Main, Near TVS Show Room, Kalyan Nagar, Bangalore – 560036, Karnataja, India |
|
|
|
|
Warehouse : |
Old Gate 1546, New Gate 322-C, Vishwachhaya Ind. Estate, Pirangut - 412111
Pune, Maharashtra, India |
DIRECTORS
As on 31.08.2013
|
Name : |
Mr. Amol Narayan Rane |
|
Designation : |
Managing Director |
|
Address : |
Flat No. 1, Kedar Apartments, Plot No 48, Mayur Colony,
Kothrud, Pune – 411038, Maharashtra, India |
|
Date of Birth/Age : |
26.06.1965 |
|
Date of Appointment : |
01.04.2012 |
|
DIN No.: |
02108835 |
|
|
|
|
Name : |
Mr. Narayan Govind Rane |
|
Designation : |
Whole Time Director |
|
Address : |
Flat No. 1, Kedar Apartments, Plot No 48, Mayur Colony, Kothrud,
Pune – 411038, Maharashtra, India |
|
Date of Birth/Age : |
15.011.1936 |
|
Date of Appointment : |
01.04.2012 |
|
DIN No.: |
05115484 |
|
|
|
|
Name : |
Mr. Surat Narayan Rane |
|
Designation : |
Whole Time Director |
|
Address : |
Flat No. 1, Kedar Apartments, Plot No 48, Mayur Colony,
Kothrud, Pune – 411038, Maharashtra, India |
|
Date of Birth/Age : |
11.02.1945 |
|
Date of Appointment : |
01.04.2012 |
|
DIN No.: |
01212185 |
|
|
|
|
Name : |
Mr. Sulaja Chandrashekhar Gaonkar |
|
Designation : |
Whole Time Director |
|
Address : |
4 Prakash Society, Relief Road, Daulatnagar,
Santacruz (West), Mumbai - 400054, Maharashtra , India |
|
Date of Birth/Age : |
13.06.1968 |
|
Date of Appointment : |
01.04.2012 |
|
DIN No.: |
01212210 |
KEY EXECUTIVES
|
Name : |
Mr. Sachin Thatte |
|
Designation : |
Senior Accountant |
MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN
As on 31.08.2013
|
Names of Shareholders |
No. of Shares |
% of Holding |
|
Surat Narayan Rane |
1425400 |
71.86 |
|
Amol Narayan Rane |
445800 |
22.47 |
|
Narayan Govind Rane |
110000 |
5.55 |
|
Sulaja Chandrashekhar Gaonkar |
2500 |
0.13 |
|
Total |
1983700 |
100.00 |
Equity Share Break up (Percentage of Total Equity)
As on 31.08.2013
|
Category |
Percentage |
|
Directors or relatives of Directors |
100.00 |
|
Total |
100.00 |
BUSINESS DETAILS
|
Line of Business : |
Trading and Importing of all types of Cutting Tools. (Confirmed by
management) |
|
|
|
|
Products : |
Cutting Tools |
|
|
|
|
Brand Names : |
Not Divulged |
|
|
|
|
Agencies Held : |
Not Divulged |
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|
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Exports : |
Not Divulged |
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|
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Imports : |
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Products : |
Cutting Tools |
|
Countries : |
|
|
|
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Terms : |
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Selling : |
Cheque and Credit (30 / 60 Days) |
|
|
|
|
Purchasing : |
Cheque and Credit (30 / 60 Days) |
PRODUCTION STATUS NOT AVAILABLE
GENERAL INFORMATION
|
Suppliers : |
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Customers : |
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No. of Employees : |
14 (Approximately) |
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Bankers : |
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Facilities : |
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Auditors : |
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|
Name : |
Sharad A Vaze and Company Chartered Accountants |
|
Address : |
Swaramala, 70/9 B Erandavana, Opposite Telephone Exchange, Karve Road,
Pune – 411004, Maharashtra, India |
|
PAN N Income-tax PAN of auditor or auditor's firm : |
AAOPV3454F |
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Memberships : |
Not Available |
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Collaborators : |
Not Available |
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|
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Associates/Subsidiaries : |
Not Available |
CAPITAL STRUCTURE
As on 31.08.2013
Authorised Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
|
|
|
|
|
5000000 |
Equity Shares |
Rs.10/- each |
Rs.50.000 Million |
|
|
|
|
|
Issued, Subscribed & Paid-up Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
|
|
|
|
|
1983700 |
Equity Shares |
Rs.10/- each |
Rs.19.837 Million |
|
|
|
|
|
FINANCIAL DATA
[all figures are
in Rupees Million]
ABRIDGED
BALANCE SHEET
|
SOURCES OF FUNDS |
|
31.03.2013 |
31.03.2012 |
|
I.
EQUITY
AND LIABILITIES |
|
|
|
|
(1)Shareholders' Funds |
|
|
|
|
(a) Share Capital |
|
19.837 |
0.550 |
|
(b) Reserves & Surplus |
|
0.352 |
0.000 |
|
(c) Money
received against share warrants |
|
0.000 |
0.000 |
|
|
|
|
|
|
(2) Share Application money pending
allotment |
|
0.000 |
0.000 |
|
Total Shareholders’
Funds (1) + (2) |
|
20.189 |
0.550 |
|
|
|
|
|
|
(3)
Non-Current Liabilities |
|
|
|
|
(a) long-term borrowings |
|
1.302 |
0.000 |
|
(b) Deferred tax liabilities (Net) |
|
0.196 |
0.000 |
|
(c) Other long term
liabilities |
|
0.000 |
0.000 |
|
(d) long-term
provisions |
|
0.000 |
0.000 |
|
Total Non-current
Liabilities (3) |
|
1.498 |
0.000 |
|
|
|
|
|
|
(4)
Current Liabilities |
|
|
|
|
(a) Short
term borrowings |
|
2.240 |
0.000 |
|
(b) Trade
payables |
|
20.575 |
0.001 |
|
(c) Other
current liabilities |
|
5.483 |
0.000 |
|
(d) Short-term
provisions |
|
0.325 |
0.000 |
|
Total Current
Liabilities (4) |
|
28.623 |
0.001 |
|
|
|
|
|
|
TOTAL |
|
50.310 |
0.551 |
|
|
|
|
|
|
II.
ASSETS |
|
|
|
|
(1)
Non-current assets |
|
|
|
|
(a) Fixed
Assets |
|
|
|
|
(i)
Tangible assets |
|
5.809 |
0.000 |
|
(ii)
Intangible Assets |
|
0.000 |
0.000 |
|
(iii)
Capital work-in-progress |
|
0.000 |
0.000 |
|
(iv)
Intangible assets under development |
|
0.000 |
0.000 |
|
(b) Non-current Investments |
|
0.000 |
0.000 |
|
(c) Deferred tax assets (net) |
|
0.000 |
0.000 |
|
(d) Long-term Loan and Advances |
|
0.000 |
0.000 |
|
(e) Other
Non-current assets |
|
0.000 |
0.532 |
|
Total Non-Current
Assets |
|
5.809 |
0.532 |
|
|
|
|
|
|
(2)
Current assets |
|
|
|
|
(a)
Current investments |
|
0.000 |
0.000 |
|
(b)
Inventories |
|
20.540 |
0.000 |
|
(c) Trade
receivables |
|
14.491 |
0.000 |
|
(d) Cash
and cash equivalents |
|
8.627 |
0.000 |
|
(e) Short-term
loans and advances |
|
0.622 |
0.000 |
|
(f) Other
current assets |
|
0.221 |
0.019 |
|
Total
Current Assets |
|
44.501 |
0.019 |
|
|
|
|
|
|
TOTAL |
|
50.310 |
0.551 |
PROFIT
& LOSS ACCOUNT
|
|
PARTICULARS |
|
31.03.2013 |
31.03.2012 |
|
|
|
SALES |
|
|
|
|
|
|
|
Turnover |
|
105.700 |
NA |
|
|
|
Income |
|
NA |
NA |
|
|
|
Other Income |
|
NA |
NA |
|
|
|
TOTAL |
|
NA |
NA |
|
|
|
|
|
|
|
|
|
EXPENSES
|
|
NA |
NA |
|
|
|
|
|
|
|
|
|
|
PROFIT/(LOSS)
BEFORE TAX, DEPRECIATION AND AMORTISATION |
|
1.132 |
NA |
|
|
|
|
|
|
|
|
|
Less |
DEPRECIATION/
AMORTISATION |
|
0.584 |
NA |
|
|
|
|
|
|
|
|
|
|
PROFIT/(LOSS)
BEFORE TAX |
|
0.548 |
NA |
|
|
|
|
|
|
|
|
|
Less |
TAX |
|
0.196 |
NA |
|
|
|
|
|
|
|
|
|
|
PROFIT/(LOSS)
AFTER TAX |
|
0.352 |
NA |
|
|
|
|
|
|
|
|
|
|
Earnings /
(Loss) Per Share (Rs.) |
|
0.017 |
-- |
|
CURRENT MATURITIES OF LONG TERM DEBT DETAILS
|
Particulars |
|
31.03.2013 |
31.03.2012 |
|
Current Maturities of Long term debt |
|
NA |
NA |
|
Cash generated from operations |
|
NA |
NA |
|
Net cash flow from operating activity |
|
NA |
NA |
KEY
RATIOS
|
PARTICULARS |
|
|
31.03.2013 |
31.03.2012 |
|
Net Profit Margin (PAT / Sales) |
(%) |
|
0.33 |
NA |
|
|
|
|
|
|
|
Return on Total Assets (PBT/Total Assets} |
(%) |
|
1.09 |
NA |
|
|
|
|
|
|
|
Return on Investment (ROI) (PBT/Networth) |
|
|
0.03 |
NA |
|
|
|
|
|
|
|
Debt Equity Ratio (Total Debt /Networth) |
|
|
0.18 |
0.00 |
|
|
|
|
|
|
|
Current Ratio (Current Asset/Current Liability) |
|
|
1.55 |
19.00 |
FINANCIAL ANALYSIS
[all figures are
in Rupees Million]
DEBT EQUITY RATIO
|
Particular |
31.03.2012 |
31.03.2013 |
|
|
(Rs.
In Million) |
(Rs.
In Million) |
|
Share Capital |
0.550 |
19.837 |
|
Reserves & Surplus |
0.000 |
0.352 |
|
Net
worth |
0.550 |
20.189 |
|
|
|
|
|
long-term borrowings |
0.000 |
1.302 |
|
Short term borrowings |
0.000 |
2.240 |
|
Total
borrowings |
0.000 |
3.542 |
|
Debt/Equity
ratio |
0.000 |
0.175 |
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 |
No |
|
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) |
Yes |
|
16 |
No. of employees |
Yes |
|
17 |
Details of sister concerns |
No |
|
18 |
Major suppliers |
No |
|
19 |
Major customers |
No |
|
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 one years |
Yes |
|
30 |
Major shareholders, if available |
Yes |
|
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 |
CORPORATE INFORMATION
Subject is a body
corporate formed and registered as per the statutory requirements of Companies
Act 1956. The company is having its registered office at 1 Kedar Apartments,
Plot No. 48 Mayur Colony, Kothrud, Pune 411038 and Godown at Village Pirangut,
Tal Mulshi, Dist Pune. The company is mainly engaged in trading of cutting
tools, indigenous as well as imported. The Company had started its trading
activity w.e.f. 01/04/2012 after takeover of running business of M/s P R Sales
Corporation, a proprietary of promoter-director Mrs. S N Rane.
INDEX
OF CHARGES
|
S.No. |
Charge ID |
Date of Charge Creation/Modification |
Charge amount secured |
Charge Holder |
Address |
Service Request Number (SRN) |
|
1 |
10577448 |
10/06/2015 |
15,000,000.00 |
BANK OF INDIA |
FERGUSSON ROAD BRANCH, 1201 CA, SHIVAJINAGAR, PUNE, Maharashtra -
411004, INDIA |
C57703118 |
|
2 |
10478284 |
24/12/2013 |
6,000,000.00 |
BANK OF INDIA |
FERGUSSON ROAD BRANCH, 1201, C/A, SHIVAJINAGAR, |
B96678032 |
|
3 |
10478292 |
24/12/2013 |
10,000,000.00 |
BANK OF INDIA |
FERGUSSON ROAD BRANCH, 1201, C/A, SHIVAJINAGAR, |
B96681507 |
|
4 |
10423169 |
30/03/2013 |
1,302,430.00 |
BANK OF INDIA |
FERGUSSON ROAD BRANCH, 1201, C/A, SHIVAJINAGAR, |
B74215427 |
|
5 |
10423168 |
24/12/2013 * |
8,000,000.00 |
BANK OF INDIA |
FERGUSSON ROAD BRANCH, 1201, C/A, SHIVAJINAGAR, |
B96680434 |
FIXED ASSETS
·
Land
·
Building
·
Plant and Machinery
·
Computer
·
Vehicles
·
Furniture and Fixture
CMT REPORT (Corruption, Money Laundering & Terrorism]
The Public Notice information has been collected from various sources
including but not limited to: The Courts,
1] INFORMATION ON
DESIGNATED PARTY
No exist designating subject or any of its beneficial owners,
controlling shareholders or senior officers as terrorist or terrorist
organization or whom notice had been received that all financial transactions
involving their assets have been blocked or convicted, found guilty or against
whom a judgement or order had been entered in a proceedings for violating
money-laundering, anti-corruption or bribery or international economic or
anti-terrorism sanction laws or whose assets were seized, blocked, frozen or
ordered forfeited for violation of money laundering or international
anti-terrorism laws.
2] Court Declaration :
No exist to suggest that subject is or was
the subject of any formal or informal allegations, prosecutions or other
official proceeding for making any prohibited payments or other improper
payments to government officials for engaging in prohibited transactions or
with designated parties.
3] Asset Declaration :
No records exist to suggest that the property or assets of the subject
are derived from criminal conduct or a prohibited transaction.
4] Record on Financial
Crime :
Charges or conviction
registered against subject: None
5] Records on Violation of
Anti-Corruption Laws :
Charges or
investigation registered against subject: None
6] Records on Int’l
Anti-Money Laundering Laws/Standards :
Charges or
investigation registered against subject: None
7] Criminal Records
No available
information exist that suggest that subject or any of its principals have been
formally charged or convicted by a competent governmental authority for any
financial crime or under any formal investigation by a competent government
authority for any violation of anti-corruption laws or international anti-money
laundering laws or standard.
8] Affiliation with
Government :
No record
exists to suggest that any director or indirect owners, controlling
shareholders, director, officer or employee of the company is a government
official or a family member or close business associate of a Government
official.
9] Compensation Package :
Our market
survey revealed that the amount of compensation sought by the subject is fair
and reasonable and comparable to compensation paid to others for similar
services.
10] Press Report :
No press reports / filings exists on
the subject.
CORPORATE GOVERNANCE
MIRA INFORM as part of its Due Diligence do provide comments on
Corporate Governance to identify management and governance. These factors often
have been predictive and in some cases have created vulnerabilities to credit
deterioration.
Our Governance Assessment focuses principally on the interactions
between a company’s management, its Board of Directors, Shareholders and other
financial stakeholders.
CONTRAVENTION
Subject is not known to have contravened any existing local laws,
regulations or policies that prohibit, restrict or otherwise affect the terms
and conditions that could be included in the agreement with the subject.
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.66.42 |
|
|
1 |
Rs.99.17 |
|
Euro |
1 |
Rs.72.13 |
INFORMATION DETAILS
|
Information
Gathered by : |
KMN |
|
|
|
|
Analysis Done by
: |
TRI |
|
|
|
|
Report Prepared
by : |
SUJ |
SCORE & RATING EXPLANATIONS
|
SCORE FACTORS |
RANGE |
POINTS |
|
HISTORY |
1~10 |
3 |
|
PAID-UP CAPITAL |
1~10 |
3 |
|
OPERATING SCALE |
1~10 |
3 |
|
FINANCIAL
CONDITION |
|
|
|
--BUSINESS SCALE |
1~10 |
2 |
|
--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 |
|
26 |
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.