|
Report No. : |
308194 |
|
Report Date : |
30.03.2015 |
IDENTIFICATION DETAILS
|
Name : |
SWARA SURGICAL HOSPITAL AND ENDOSCOPY CENTER |
|
|
|
|
Registered
Office : |
201 and 202, Palm Arcade, Opposite Shukan Bunglows, Nikol-Naroda Road,
Nikol, Ahmedabad – 382350, Gujarat |
|
|
|
|
Country : |
India |
|
|
|
|
Financials (as
on) : |
-- |
|
|
|
|
Date of
Establishment : |
24.02.2015 |
|
|
|
|
Capital
Investment : |
Not Divulged |
|
|
|
|
PAN No.: [Permanent Account No.] |
Not Available |
|
|
|
|
Legal Form : |
Partnership Concern with an Unlimited Liability of the Partners |
|
|
|
|
Line of Business
: |
Providing Medical Related Services. |
|
|
|
|
No. of Employees
: |
10 (Approximately) |
RATING & COMMENTS
|
MIRA’s Rating : |
NB |
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
- |
NB |
New Business |
- |
|
Status : |
New Concern |
|
|
|
|
Payment Behaviour : |
Unknown |
|
|
|
|
Litigation : |
Clear |
|
|
|
|
Comments : |
Subject is a new partnership concern incorporated on 24th
February 2015 and establishing itself gradually. Mr. Rakesh Kumar Patel, Partner has provided general information to us
and claimed that the concern is expected to start its business operations
after 2 months. Payments are reported to be unknown. The concern can be considered for business dealing on a safe and
secure 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
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. Rakeshkumar A. Patel |
|
Designation : |
Partner |
|
Contact No.: |
91-9925457613 |
|
Date : |
27.03.2015 |
LOCATIONS
|
Registered Office : |
201 and 202, Palm Arcade, Opposite Shukan Bunglows, Nikol-Naroda Road,
Nikol, Ahmedabad – 382350, Gujarat, India |
|
Tel. No.: |
Not Available |
|
Mobile No.: |
91-9925457613 [Mr. Rakeshkumar A. Patel] |
|
Fax No.: |
Not Available |
|
E-Mail : |
|
|
Location : |
Owned |
PARTNERS
|
Name : |
Mr. Rakeshkumar A. Patel |
|
Designation : |
Partner |
|
Address : |
Bunglow No. A20, Vaikunth Bunglows, Opposite Raspan Party Plot, Nava
Nikol, Ahmedabad – 382350, Gujarat, India
|
|
Date of Birth/Age : |
23.08.1982 |
|
Qualification : |
MBBS and M.S. General Surgeon |
|
Experience : |
4 Years |
|
PAN No.: |
AVRPP3237G |
|
Background : |
Dr. Rakeshkumar A. Patel has completed his MBBS from the B.J. Medical
College, Ahmedabad in 2006, and also his M.S. from the N.H.L. Medical College
Ahmedabad in 2011, reputed colleges in the Ahmedabad. He has given services
as Resident Doctor in Clinical Work and Post Graduate Teaching at N.H.L.
Medical Hospital, Asarwa, Ahmedabad from 01.05.2008 to 30.04.2011. he had
started consultancy as General Surgeon at Ruchi Surgical Hospital, Mehsana
from 01.05.2011 to 30.05.2012 and at Patan Janta Hospital, Patan from
01.06.2012 till today. So he has wide experience in his field. |
|
|
|
|
Name : |
Mrs. Jigar Patel |
|
Designation : |
Partner |
|
Address : |
Bunglow No. A20, Vaikunth Bunglows, Opposite Raspan Party Plot, Nava
Nikol, Ahmedabad – 382350, Gujarat, India
|
|
Date of Birth/Age : |
10.06.1985 |
|
Qualification : |
MBBS and Diploma in Pathology |
|
Experience : |
2 Years |
|
PAN No.: |
BXYPP765R |
|
Background : |
Dr. Jigarben R. Patel has completed her completed her MBBS from the
M.P. Shah Medical College, Jamnagar, Gujarat in 2009 and also her D.C.P.
Pathologist from the Sumandeep Vidhyapith, Vaghodiya, Baroda, Gujarat in
2012, reputed colleges in the Gujarat. He has given services as Resident
Doctor in Clinical Work and Post Graduate Teaching at Sumandeep Vidhyapith
Vaghodiya, Baroda, Gujarat from 01.05.2010 to 30.04.2012. He had started
consultancy as Pathology at Patan Janta Hospital, Patan from 01.07.2012 to
31.01.2013 and at Dharpur Medical College, Patan from 01.02.2013 till today.
So she has wide experience in her field. |
BUSINESS DETAILS
|
Line of Business : |
Providing Medical Related Services. |
|
|
|
|
Brand Names : |
-- |
|
|
|
|
Agencies Held : |
-- |
|
|
|
|
Exports : |
|
|
Products : |
-- |
|
Countries : |
-- |
|
|
|
|
Imports : |
|
|
Products : |
-- |
|
Countries : |
-- |
|
|
|
|
Terms : |
|
|
Selling : |
Cash |
|
|
|
|
Purchasing : |
L/C |
GENERAL INFORMATION
|
Suppliers : |
|
||||||||||||||||||||||
|
|
|
||||||||||||||||||||||
|
Customers : |
End Users
|
||||||||||||||||||||||
|
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|
||||||||||||||||||||||
|
No. of Employees : |
10 (Approximately) |
||||||||||||||||||||||
|
|
|
||||||||||||||||||||||
|
Bankers : |
·
The Mehsana Urban
Cooperative Bank Limited ·
State Bank of
India Mehsana,
Gujarat, India |
||||||||||||||||||||||
|
|
|
||||||||||||||||||||||
|
Facilities : |
-- |
|
|
|
|
Auditors : |
|
|
Name : |
Kanubhai Patel Chartered Accountant |
|
Address : |
Shukan Complex, Sola Road, Ahmedabad, Gujarat, India |
|
Mobile No.: |
91-9574499911 |
|
|
|
|
Associates/Subsidiaries : |
Not Available |
CAPITAL STRUCTURE
|
Capital Investment : |
|
|
Owned : |
Not Divulged |
|
Borrowed : |
Not Divulged |
|
Total : |
Not Divulged |
FINANCIAL DATA
[all figures are
in Rupees Millions]
NEW BUSINESS
Note : Sole Proprietary and Partnership concerns are
exempted from filing their financials with the Government Authorities or
Registry.
LOCAL AGENCY FURTHER INFORMATION
|
Sr. No. |
Check List by Info Agents |
Available in
Report (Yes / No) |
|
1] |
Year of Establishment |
Yes |
|
2] |
Locality of the firm |
Yes |
|
3] |
Constitutions of the firm |
Yes |
|
4] |
Premises details |
No |
|
5] |
Type of Business |
Yes |
|
6] |
Line of Business |
Yes |
|
7] |
Promoter's background |
Yes |
|
8] |
No. of employees |
Yes |
|
9] |
Name of person contacted |
Yes |
|
10] |
Designation of contact
person |
Yes |
|
11] |
Turnover of firm for last
three years |
No |
|
12] |
Profitability for last
three years |
No |
|
13] |
Reasons for variation
<> 20% |
-- |
|
14] |
Estimation for coming
financial year |
Yes |
|
15] |
Capital in the business |
No |
|
16] |
Details of sister
concerns |
No |
|
17] |
Major suppliers |
No |
|
18] |
Major customers |
No |
|
19] |
Payments terms |
Yes |
|
20] |
Export / Import details
(if applicable) |
No |
|
21] |
Market information |
-- |
|
22] |
Litigations that the firm
/ promoter involved in |
-- |
|
23] |
Banking Details |
Yes |
|
24] |
Banking facility details |
No |
|
25] |
Conduct of the banking
account |
Yes |
|
26] |
Buyer visit details |
-- |
|
27] |
Financials, if provided |
No |
|
28] |
Incorporation details, if
applicable |
No |
|
29] |
Last accounts filed at
ROC |
No |
|
30] |
Major Shareholders, if
available |
No |
|
31] |
Date of Birth of
Proprietor/Partner/Director, if available |
Yes |
|
32] |
PAN of
Proprietor/Partner/Director, if available |
Yes |
|
33] |
Voter ID No of
Proprietor/Partner/Director, if available |
No |
|
34] |
External Agency Rating,
if available |
No |
------------------------------------------------------------------------------------------------------------------------------
MR. BABULAL VITTHALDAS PATEL [GUARANTOR]
COMPUTATION OF INCOME
(RS. IN MILLIONS)
|
PARTICULARS |
31.03.2012 |
||
|
|
|
|
|
|
INCOME FROM SALARY |
|
|
|
|
From V.I.P. International School, Nikol,
Ahmedabad |
|
0.140 |
|
|
|
|
|
0.140 |
|
INCOME FROM SELF-OCCUPIED HOUSE PROPERTY |
|
|
|
|
A/4, Umiyadham Society, Ambicanagar, Odhav,
Ahmedabad |
|
0.000 |
|
|
|
|
|
|
|
Capital Borrowed on 01.04.2005 |
|
|
|
|
Acquisition or Construction Completed on
01.04.2005 |
|
|
|
|
|
|
|
|
|
Less: Interest paid on Borrowed Capital u/s 24
Standard Chartered Bank |
|
(0.071) |
|
|
|
|
|
(0.071) |
|
INCOME FROM OTHER SOURCES |
|
|
|
|
Income from Dividend |
|
|
|
|
Dividend Income [Taxable] |
|
|
|
|
Bank Dividend |
|
0.005 |
|
|
|
|
|
0.005 |
|
Income from Interest |
|
|
|
|
Interest from S/B and Notified Companies |
|
|
|
|
Bank Interest |
|
0.002 |
|
|
|
|
|
0.002 |
|
Income from Others |
|
|
|
|
40% Share from Vithalbhai Patel Family |
|
|
|
|
Other Income |
0.237 |
|
|
|
|
0.008 |
0.245 |
|
|
|
|
|
0.245 |
|
|
|
|
-------------- |
|
GROSS TOTAL INCOME |
|
|
0.321 |
|
|
|
|
|
|
Less: Deductions under Chapter VI-A |
|
|
|
|
Deduction u/s 80-C |
|
|
|
|
Life Insurance Premium [LIP] |
0.101 |
|
|
|
Repayment of Housing Loan |
0.004 |
|
|
|
Allowable Deduction u/s 80-C |
|
0.100 |
|
|
|
|
|
|
|
Deduction u/s 80-D |
|
|
|
|
Medical Insurance Premium |
0.016 |
|
|
|
Allowable Deduction u/s 80-D |
|
0.015 |
|
|
|
|
|
(0.115) |
|
|
|
|
-------------- |
|
NET TOTAL INCOME
|
|
|
0.206 |
|
Rounded off |
|
|
0.206 |
|
|
|
|
|
|
AGRICULTURE INCOME FOR RATE PURPOSE |
|
|
|
|
Agriculture Income |
|
0.747 |
|
|
|
|
|
|
|
Less: Deductions / Expenses claimed |
|
|
|
|
Accountant Salary |
0.012 |
|
|
|
Agriculture Labour |
0.090 |
|
|
|
Bank Charges |
0.002 |
|
|
|
Kheti Expenses |
0.009 |
|
|
|
Petrol Expenses |
0.043 |
|
|
|
Salary Expenses |
0.036 |
(0.192) |
|
|
|
|
|
0.555 |
|
|
|
|
|
|
CALCULATION
OF TAX (Case of Male) |
|||
|
Tax on Total Income |
|
0.005 |
|
|
|
|
|
|
|
Add: Education Cess………@ 2.00% |
|
0.000 |
|
|
Secondary and Higher Education Cess………@
1.00% |
|
0.000 |
|
|
|
|
0.005 |
|
|
|
|
|
|
|
Add: Interest u/s 234-A for 3 months @ 1.00% |
|
0.000 |
|
|
|
|
----------- |
|
|
Less: Self-Assessment Tax Paid on 27.11.2012 |
|
(0.005) |
|
|
BSR: 0003097 CIN: 00001 |
|
|
|
|
|
|
|
|
|
NET TAX PAYABLE |
|
|
0.000 |
|
Rounded off |
|
|
0.000 |
|
|
|
|
|
|
INCOME CLAIMED
EXEMPT |
|||
|
Agricultural Income u/s 10 (1) |
|
0.555 |
|
|
|
|
|
0.555 |
------------------------------------------------------------------------------------------------------------------------------
MR. BABULAL VITTHALDAS PATEL [GUARANTOR]
PROFIT & LOSS ACCOUNT
(RS. IN MILLIONS)
|
|
PARTICULARS |
|
31.03.2012 |
31.03.2011 |
|
|
|
SALES |
|
|
|
|
|
|
|
Direct Income |
|
0.748 |
0.277 |
|
|
|
Indirect Income |
|
0.483 |
0.575 |
|
|
|
TOTAL |
|
1.231 |
0.852 |
|
|
|
|
|
|
|
|
Less |
EXPENSES |
|
|
|
|
|
|
|
Direct Expenses Accountant Salary |
|
0.012 |
0.012 |
|
|
|
Agriculture Labour |
|
0.090 |
0.029 |
|
|
|
Bank Charges |
|
0.002 |
0.002 |
|
|
|
Misc. Kheti Expenses |
|
0.010 |
0.000 |
|
|
|
Petrol Expenses |
|
0.043 |
0.000 |
|
|
|
Salary Expenses |
|
0.036 |
0.000 |
|
|
|
Pesticide Expenses |
|
0.000 |
0.065 |
|
|
|
Indirect
Expenses Bank Loan Interest |
|
0.166 |
0.212 |
|
|
|
TOTAL |
|
0.359 |
0.320 |
|
|
|
|
|
|
|
|
|
NET PROFIT |
|
0.872 |
0.532 |
|
------------------------------------------------------------------------------------------------------------------------------
COST OF PROJECT
(RS. IN MILLIONS)
|
SR. NO. |
PARTICULARS |
AMOUNT |
|
|
|
|
|
1 |
Building [Land Acquisition and Alteration,
Additional Construction Cost] |
4.700 |
|
|
|
|
|
2 |
Medical Equipment |
3.678 |
|
|
|
|
|
3 |
Furniture, Fixture and Interior |
4.959 |
|
|
|
|
|
4 |
Expenses for Medicines and Hospital Working
Expenses |
3.500 |
|
|
|
|
|
|
Total |
16.834 |
------------------------------------------------------------------------------------------------------------------------------
MEANS OF FINANCE
(RS. IN MILLIONS)
|
SR. NO. |
PARTICULARS |
AMOUNT |
|
|
|
|
|
1 |
Proprietor Capital |
4.337 |
|
|
|
|
|
2 |
Term Loans |
10.000 |
|
|
|
|
|
3 |
Working Capital Loans |
2.500 |
|
|
|
|
|
|
Total |
16.837 |
------------------------------------------------------------------------------------------------------------------------------
CALCULATION OF DEBT SERVICE COVERAGE RATIO
(RS. IN MILLIONS)
|
PARTICULARS |
2014-15 |
2015-16 |
2016-17 |
2017-18 |
2018-19 |
2019-20 |
|
|
|
|
|
|
|
|
|
FUNDS AVAILABLE TO SERVICE |
|
|
|
|
|
|
|
Net Profit after Taxes |
1.711 |
9.541 |
10.369 |
11.239 |
12.161 |
13.139 |
|
|
|
|
|
|
|
|
|
Depreciation |
0.759 |
1.428 |
1.260 |
1.112 |
0.982 |
0.868 |
|
|
|
|
|
|
|
|
|
Interest on Long/ Medium Term |
0.509 |
1.165 |
0.987 |
0.790 |
0.572 |
0.366 |
|
|
|
|
|
|
|
|
|
TOTAL |
2.979 |
12.134 |
12.615 |
13.141 |
13.715 |
14.343 |
|
|
|
|
|
|
|
|
|
DEBT SERVICE OBLIGATIONS |
|
|
|
|
|
|
|
Repayment of Long/ Medium |
0.388 |
1.656 |
1.833 |
2.030 |
2.249 |
1.844 |
|
|
|
|
|
|
|
|
|
Interest on Long/ Medium Term |
0.509 |
1.165 |
0.987 |
0.790 |
0.572 |
0.336 |
|
|
|
|
|
|
|
|
|
TOTAL |
0.897 |
2.821 |
2.821 |
2.821 |
2.821 |
2.180 |
|
|
|
|
|
|
|
|
|
D.S.C.R. [Individual Year] |
3.32 |
4.30 |
4.47 |
4.66 |
4.86 |
6.58 |
|
|
|
|
|
|
|
|
|
D.S.C.R. [Cumulative Year] |
3.32 |
4.30 |
4.47 |
4.57 |
4.66 |
5.06 |
|
|
|
|
|
|
|
|
|
D.S.C.R. [Overall] |
4.70 |
|||||
------------------------------------------------------------------------------------------------------------------------------
PROJECTED PROFITABILITY STATEMENT
(RS. IN MILLIONS)
|
PARTICULARS |
2014-15 |
2015-16 |
2016-17 |
2017-18 |
2018-19 |
2019-20 |
|
|
|
|
|
|
|
|
|
Capacity 80% |
|
|
|
|
|
|
|
INCOME |
|
|
|
|
|
|
|
Gross Receipts from Profession |
4.283 |
17.987 |
18.886 |
19.830 |
20.822 |
21.863 |
|
|
|
|
|
|
|
|
|
EXPENSES |
|
|
|
|
|
|
|
Labour and Salaries |
0.166 |
0.729 |
0.802 |
0.882 |
0.971 |
1.068 |
|
|
|
|
|
|
|
|
|
Power and Fuel |
0.060 |
0.252 |
0.265 |
0.278 |
0.292 |
0.306 |
|
|
|
|
|
|
|
|
|
Admin. and Office Expenses |
0.300 |
1.300 |
1.400 |
1.500 |
1.600 |
1.700 |
|
|
|
|
|
|
|
|
|
Hospital Rent Expenses |
0.045 |
0.182 |
0.200 |
0.220 |
0.242 |
0.266 |
|
|
|
|
|
|
|
|
|
|
0.571 |
2.463 |
2.667 |
2.880 |
3.104 |
3.340 |
|
|
|
|
|
|
|
|
|
Opening Stock |
3.500 |
3.500 |
4.200 |
5.040 |
6.048 |
7.258 |
|
|
|
|
|
|
|
|
|
Closing Stock |
3.500 |
4.200 |
5.040 |
6.048 |
7.258 |
8.709 |
|
|
|
|
|
|
|
|
|
|
0.571 |
1.763 |
1.827 |
1.872 |
1.895 |
1.889 |
|
|
|
|
|
|
|
|
|
Profit before Interest |
3.712 |
16.223 |
17.059 |
17.958 |
18.927 |
19.974 |
|
|
|
|
|
|
|
|
|
Less: Interest on |
|
|
|
|
|
|
|
Term Loan |
0.253 |
0.909 |
0.731 |
0.534 |
0.316 |
0.080 |
|
|
|
|
|
|
|
|
|
Working Capital Loan |
0.256 |
0.256 |
0.256 |
0.256 |
0.256 |
0.256 |
|
|
|
|
|
|
|
|
|
Total Interest |
0.509 |
1.165 |
0.987 |
0.790 |
0.572 |
0.336 |
|
|
|
|
|
|
|
|
|
Profit before Depreciation |
3.203 |
15.058 |
16.072 |
17.168 |
18.355 |
19.638 |
|
|
|
|
|
|
|
|
|
Less: Depreciation |
0.759 |
1.428 |
1.260 |
1.112 |
0.982 |
0.868 |
|
|
|
|
|
|
|
|
|
P & P Expenses |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
|
Net Profit before Tax |
2.444 |
13.630 |
14.812 |
16.056 |
17.372 |
18.770 |
|
|
|
|
|
|
|
|
|
Taxation |
0.733 |
4.089 |
4.444 |
4.817 |
5.212 |
5.631 |
|
|
|
|
|
|
|
|
|
Net Profit after Tax |
1.711 |
9.541 |
10.369 |
11.239 |
12.161 |
13.139 |
|
|
|
|
|
|
|
|
|
Depreciation added back |
0.759 |
1.428 |
1.260 |
1.112 |
0.982 |
0.868 |
|
|
|
|
|
|
|
|
|
Net Cash Accruals |
2.469 |
10.969 |
11.628 |
12.351 |
13.143 |
14.007 |
------------------------------------------------------------------------------------------------------------------------------
PROJECTED BALANCE SHEET
(RS. IN MILLIONS)
|
PARTICULARS |
2014-15 |
2015-16 |
2016-17 |
2017-18 |
2018-19 |
2019-20 |
|
|
|
|
|
|
|
|
|
CURRENT LIABILITIES |
|
|
|
|
|
|
|
Capital |
4.337 |
4.337 |
4.337 |
4.337 |
4.337 |
4.337 |
|
|
|
|
|
|
|
|
|
Reserve and Surplus |
2.111 |
12.252 |
23.280 |
35.245 |
48.205 |
62.222 |
|
|
|
|
|
|
|
|
|
Unsecured Loans |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
|
Term Loans |
9.612 |
7.956 |
6.123 |
4.092 |
1.844 |
0.000 |
|
|
|
|
|
|
|
|
|
Subsidy |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
|
Working Capital Loans |
2.500 |
2.500 |
2.500 |
2.500 |
2.500 |
2.500 |
|
|
|
|
|
|
|
|
|
Sundry Creditors |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
|
TOTAL |
18.559 |
27.045 |
36.240 |
46.175 |
56.885 |
69.059 |
|
|
|
|
|
|
|
|
|
ASSETS |
|
|
|
|
|
|
|
Fixed Assets |
|
|
|
|
|
|
|
Less: Depreciation |
12.578 |
11.150 |
9.891 |
8.779 |
7.796 |
6.928 |
|
|
|
|
|
|
|
|
|
CURRENT ASSETS |
|
|
|
|
|
|
|
Stock, Hospital Working Expenses |
3.500 |
4.200 |
5.040 |
6.048 |
7.258 |
8.709 |
|
|
|
|
|
|
|
|
|
Sundry Debtors |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
|
Cash and Bank Balances |
2.481 |
11.695 |
21.309 |
31.348 |
41.831 |
53.422 |
|
|
|
|
|
|
|
|
|
Misc. Expenses |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
|
TOTAL |
18.559 |
27.045 |
36.240 |
46.175 |
56.885 |
69.059 |
------------------------------------------------------------------------------------------------------------------------------
PROJECTED CASH FLOW STATEMENT
(RS. IN MILLIONS)
|
PARTICULARS |
2014-15 |
2015-16 |
2016-17 |
2017-18 |
2018-19 |
2019-20 |
|
|
|
|
|
|
|
|
|
SOURCES |
|
|
|
|
|
|
|
Profit before tax with interest on loan
capital and remuneration add back |
2.953 |
14.795 |
15.799 |
16.846 |
17.944 |
19.106 |
|
|
|
|
|
|
|
|
|
Depreciation |
0.759 |
1.428 |
1.260 |
1.112 |
0.982 |
0.868 |
|
|
|
|
|
|
|
|
|
P & P Expenses w/o |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
|
Increase in: |
|
|
|
|
|
|
|
Capital |
4.337 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
|
Unsecured Loans |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
|
Term Loans |
9.612 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
|
Working Capital Loans |
2.500 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
|
Subsidy |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
|
TOTAL |
20.161 |
16.223 |
17.059 |
17.958 |
18.927 |
19.974 |
|
|
|
|
|
|
|
|
|
FUNDS APPLIED |
|
|
|
|
|
|
|
Increase in fixed assets |
12.578 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
|
Increase / (Decrease) in current assets |
3.500 |
0.700 |
0.840 |
1.008 |
1.210 |
1.452 |
|
|
|
|
|
|
|
|
|
Misc. Expenses |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
|
Interest on loans |
0.509 |
1.165 |
0.987 |
0.790 |
0.572 |
0.336 |
|
|
|
|
|
|
|
|
|
Taxation |
1.101 |
4.089 |
4.444 |
4.817 |
5.212 |
5.631 |
|
|
|
|
|
|
|
|
|
Repayment of Unsecured Loans |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
|
Repayment of Term Loans |
0.388 |
1.656 |
1.833 |
2.030 |
2.249 |
1.844 |
|
|
|
|
|
|
|
|
|
Repayment of Subsidy |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
|
Withdrawal of Proprietor |
(0.400) |
(0.600) |
(0.660) |
(0.726) |
(0.799) |
(0.878) |
|
|
|
|
|
|
|
|
|
TOTAL |
17.677 |
7.010 |
7.444 |
7.919 |
8.443 |
8.384 |
|
|
|
|
|
|
|
|
|
Surplus |
2.484 |
9.214 |
9.615 |
10.038 |
10.483 |
11.590 |
|
|
|
|
|
|
|
|
|
Opening Balance |
0.000 |
2.484 |
11.698 |
21.312 |
31.351 |
41.834 |
|
|
|
|
|
|
|
|
|
Closing Balance |
2.484 |
11.698 |
21.312 |
31.351 |
41.834 |
53.425 |
------------------------------------------------------------------------------------------------------------------------------
FINANCIAL RATIOS
(RS. IN MILLIONS)
|
PARTICULARS |
2014-15 |
2015-16 |
2016-17 |
2017-18 |
2018-19 |
2019-20 |
|
|
|
|
|
|
|
|
|
Profit percentage to Net Sales |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Gross Profit |
3.298 |
15.577 |
16.559 |
17.558 |
18.577 |
19.620 |
|
% of Gross Profit to Net Sales |
77.01% |
86.61% |
87.68% |
88.54% |
89.22% |
89.74% |
|
|
|
|
|
|
|
|
|
Net Profit before Taxes |
2.444 |
13.630 |
14.812 |
16.056 |
17.372 |
18.770 |
|
% of N.P.B.T. to Net Sales |
57.06% |
75.78% |
78.43% |
80.97% |
83.43% |
85.85% |
|
|
|
|
|
|
|
|
|
Net Profit after Taxes |
1.711 |
9.541 |
10.369 |
11.239 |
12.161 |
13.139 |
|
% of N.P.A.T. to Net Sales |
39.94% |
53.05% |
54.90% |
56.68% |
58.40% |
60.10% |
------------------------------------------------------------------------------------------------------------------------------
NETWORTH STATEMENT
MR. BABULAL VITTHALDAS PATEL [GUARANTOR]
(RS. IN MILLIONS)
BANK
|
Bank |
Branch |
SB/ CD A/c No. |
Present Balance |
|
Bank of Baroda |
New Nikol, Ahmedabad, Gujarat, India |
206710110003450 |
|
|
|
|
|
|
|
State Bank of India |
New Naroda, Ahmedabad, Gujarat, India |
31753855416 |
-- |
DETAILS
OF ASSETS
IMMOVABLE PROPERTY
|
Assets |
Own / Joint name |
Area |
Freehold or
Leasehold |
Location/ address |
Present Value |
Whether
encumbered (Give details) |
|
Non Agri. Land |
-- |
-- |
-- |
-- |
-- |
-- |
|
i. Commercial |
-- |
-- |
-- |
-- |
-- |
-- |
|
ii. Residential |
-- |
-- |
-- |
-- |
-- |
-- |
|
Flat / House |
Own |
-- |
-- |
A-24, C.P. Nagar, Ghatlodia, Ahmedabad, Gujarat, India |
-- |
6.000 |
|
Agri. Land |
Joint |
0-55-64 SN-135/A |
Freehold |
Bilasia,
Ta-Dascroi, Ahmedabad, Gujarat, India
|
-- |
8.123 |
|
|
Joint |
2-63-05 SN-135/B |
Freehold |
Bilasia,
Ta-Dascroi, Ahmedabad, Gujarat, India
|
-- |
12.758 |
|
|
Joint |
0-75-88 SN-136/A |
Freehold |
Bilasia, Ta-Dascroi, Ahmedabad, Gujarat, India |
-- |
3.680 |
|
|
Joint |
0-50-59 SN-136/B |
Freehold |
Bilasia,
Ta-Dascroi, Ahmedabad, Gujarat, India
|
-- |
2.454 |
|
|
Joint |
1-96-28 SN-462 |
Freehold |
Pardhol,
Ta-Dascroi, Ahmedabad, Gujarat, India |
-- |
8.636 |
|
|
Joint |
1-13-31 SN-460 |
Freehold |
Pardhol,
Ta-Dascroi, Ahmedabad, Gujarat, India |
-- |
4.986 |
|
|
Joint |
0-38-78 SN-336/K |
Freehold |
Pardhol,
Ta-Dascroi, Ahmedabad, Gujarat, India |
-- |
1.706 |
|
|
Own |
0-42-00 SN-388 |
Freehold |
Pardhol,
Ta-Dascroi, Ahmedabad, Gujarat, India |
-- |
2.037 |
|
|
Joint |
0-71-83 SN-385 |
Freehold |
Pardhol,
Ta-Dascroi, Ahmedabad, Gujarat, India |
-- |
3.484 |
|
|
Joint |
0-97-13 SB-386 |
Freehold |
Pardhol,
Ta-Dascroi, Ahmedabad, Gujarat, India |
-- |
4.711 |
|
|
Joint |
1-02-19 SN-362/2 |
Freehold |
Pardhol,
Ta-Dascroi, Ahmedabad, Gujarat, India |
-- |
4.496 |
|
|
Joint |
0-61-72 SN-356 |
Freehold |
Pardhol,
Ta-Dascroi, Ahmedabad, Gujarat, India |
-- |
2.716 |
|
Other |
-- |
-- |
-- |
-- |
-- |
-- |
MOVABLE PROPERTY
INSURANCE POLICIES
|
Name of Company & Branch |
Policy No |
Date of issue |
Sum assured |
Annual Premium |
Premium paid
upto what period |
|
LIC |
833656117 |
31.03.1999 |
0.100 |
0.007 |
Yearly |
|
LIC |
833656118 |
31.03.1999 |
0.100 |
0.005 |
Yearly |
|
LIC |
833173882 |
31.03.2001 |
0.100 |
0.003 |
Half Yearly |
|
LIC |
833173881 |
31.03.2001 |
0.100 |
0.001 |
Yearly |
|
LIC |
833173880 |
31.03.2001 |
0.100 |
0.002 |
Yearly |
|
LIC |
833173801 |
31.03.2001 |
0.100 |
0.006 |
Yearly |
|
LIC |
833173800 |
23.03.2001 |
0.100 |
0.003 |
Yearly |
------------------------------------------------------------------------------------------------------------------------------
NETWORTH STATEMENT
MR. RAJESHKUMAR A. PATEL
(RS. IN MILLIONS)
BANK
|
Bank |
Branch |
SB/ CD A/c No. |
Present Balance |
Last 6 months
average balance |
|
State Bank of India |
Mehsana Highway |
20096938025 |
0.023 |
0.050 |
|
|
|
|
|
|
|
Mehsana Urban Cooperative Bank |
Patan Branch |
00031001007906 |
0.100 |
0.100 |
MOVABLE PROPERTY
VEHICLES
|
Type of Vehicle |
Registration No. |
Year to make |
Cost at the time
of purchase |
Present value |
|
|
|
|
|
|
|
Hundai i-10 |
GJ02BD1623 |
2011 |
0.404 |
0.300 |
------------------------------------------------------------------------------------------------------------------------------
NETWORTH STATEMENT
MRS. JIGAR PATEL
(RS. IN MILLIONS)
DETAILS
OF ASSETS
IMMOVABLE PROPERTY
|
Assets |
Own / Joint name |
Area |
Freehold or
Leasehold |
Location/ address |
Present Value |
Whether
encumbered (Give details) |
|
Non Agri. Land |
-- |
-- |
-- |
-- |
-- |
-- |
|
i. Commercial |
-- |
-- |
-- |
-- |
-- |
-- |
|
ii. Residential |
|
|
|
|
|
|
|
Agri. Land |
Joint |
6172 SN-356 |
Freehold |
Pardhoi, Ta-Dascroi, Ahmedabad |
2.716 |
-- |
|
Agri. Land |
Joint |
3878 SN-336/6 |
Freehold |
Pardhoi, Ta-Dascroi, Ahmedabad |
1.706 |
-- |
|
Agri. Land |
Joint |
11331 SN-460 |
Freehold |
Pardhoi, Ta-Dascroi, Ahmedabad |
4.986 |
-- |
MOVABLE PROPERTY
INSURANCE POLICIES
|
Name of Company & Branch |
Policy No |
Date of issue |
Sum assured |
Annual Premium |
Premium paid
upto what period |
|
|
|
|
|
|
|
|
LIC |
835274313 |
28.03.2004 |
0.500 |
0.030 |
Yearly |
LEGAL HEIRS /
FAMILY PARTICULARS
|
Name |
Relation |
Age |
Address |
|
Patel Rakeshkumar Amrutlal |
Husband |
32 |
A-24, C.P. Nagar, Ghatlodia |
|
|
|
|
|
|
Patel Swara Rakeshkumar |
Daughter |
-- |
A-24, C.P. Nagar, Ghatlodia |
------------------------------------------------------------------------------------------------------------------------------
PROJECT REPORT
LOCATION AND ITS
ADVANTAGES
The premise was selected after lot of thinking and select the Nikol area which is very fast developing area. The premise of the Hospital is at the Shukan Cross Road on Nikol Naroda Road which is the heart of the Nikol Area. Where all types of services is developing very fast. In the nearest future BRTS will also start. Also it is near by the Ring Road, so, that the patient of the out station can easily available. Again Ahmedabad city is known for medical facilities in Gujarat and proven to be very good market for practicing doctors since last so many years.
INTRODUCTION OF THE
SERVICES
The unit will provide health services like Lithotripsy, Sonography, Endoscopy. The Hospital will have 10 beds along with other facilities like Operation Theatre, Consulting Rooms, ICU, Central Oxygen System, Monitor Machines etc. these facilities will enable the hospital to get it empanelled in the penal of General Insurance Companies providing Medical Insurance facilities. This will even facilitates cash less treatment for its patients. The new hospital infrastructure will lead to good health services to the patients of Ahmedabad and nearby villages.
TECHNICAL AND
FINANCIAL FEASIBILITY
COST OF LABOUR
Total Cost of direct labour of hospital staff is calculated as below:
|
PARTICULARS |
NO. |
PER MONTHS PAY |
MONTHLY TOTAL |
|
Nurses |
2 |
5000/- |
0.010 |
|
Ward Boys |
3 |
5000/- |
0.015 |
|
Receptionist |
1 |
4000/- |
0.004 |
|
Sweepers |
3 |
4000/- |
0.012 |
|
OT Assistant |
1 |
5000/- |
0.005 |
|
Endoscopy |
1 |
5000/- |
0.005 |
|
|
|
|
|
|
Total |
|
|
0.051 |
The Total Labours are paid Rs. 51000/- per month X 13 [including Bonus] = Rs. 0.663 Million. Thus the total cost of labours and salary would be Rs. 0.663 Million.
POWER FUEL
The electricity burning for the project will be coming Rs. 20000/- per month. So the total cost of Power furl for 12 months would be calculated as under
|
20000 per month X 12 Months |
Rs. 0.240 Million |
HOSPITAL RENT
Monthly Rs. 15000/- will be paid as Hospital rent. So annual expenses of Hospital rent will be calculate as under:
|
15000 per month X 12 Months |
Rs. 0.180 Million |
ADMINISTRATIVE
EXPENSES
For the first year of the project [2014-15] it is expected that the misc. and other administrative expenses including vehicle expenses, travelling expenses, Medicines purchase expenses, Office Expenses, Machinery repairing expenses, petrol expenses, telephone expenses etc. will be Rs. 0.300 Million.
INTEREST ON TERM LOAN
AND WORKING CAPITAL LOAN
Interest on Term Loans and Working Capital loan is calculated as per existing rates 10.25% per annum basis.
HOSPITAL INCOME
PATIENTS INCOME
|
New Case |
|
|
|
10 patients [per day] X Rs. 200 charge per patient |
Rs. 2000 X 300 Days X 25% |
Rs. 0.150 Million |
|
|
|
|
|
Old Case |
|
|
|
10 patients [per day] X Rs. 100 charge per patient |
Rs. 1000 X 300 Days X 25% |
Rs. 0.075 Million |
|
|
|
|
|
Total |
|
Rs. 0.225 Million |
INDOOR FACILITIES
INCOME
|
(1) OPERATION
INCOME |
|
|
Major Operation |
|
|
1 Patient X Rs. 15000 per day X 300 days X 25% |
Rs. 1.125 Millions |
|
|
|
|
Minor Operation |
|
|
1 Patient X Rs. 4500 per day X 300 days X 25% |
Rs. 0.338 Million |
|
|
|
|
Total Operation
Income |
Rs. 1.463 Millions |
|
|
|
|
(2) AC ROOM INCOME |
|
|
3 beds X Rs. 2500 per Bed per day = Rs. 7500 X 300 days X 80% X 25% |
Rs. 0.450 Million |
|
|
|
|
(3) NON AC ROOM
INCOME |
|
|
2 beds X Rs. 1000 per bed per day = Rs. 2000 X 300 days X 80% X 25% |
Rs. 0.120 Million |
|
|
|
|
(4) GENERAL WARD
INCOME |
|
|
5 beds X Rs. 500 per bed per day = Rs. 2500 X 300 Days X 80% X 25% |
Rs. 0.150 Million |
|
|
|
|
(5) ENDOSCOPY
CHARGES |
|
|
2 Patients X Rs. 2000 per patient = Rs. 4000 X 300 Days X 25% |
Rs. 0.300 Million |
|
|
|
|
(6) VISITING
CHARGES, MONITORING CHARGE AND NURSING CHARGE |
|
|
VISITING CHARGES Rs. 1000 X 300 Days X 10 beds X 80% X 25% |
Rs. 0.600 Million |
|
|
|
|
MONITOR CHARGES Rs. 500 X 300 Days X 10 Beds X 80% X 25% |
Rs. 0.300 Million |
|
|
|
|
NURSING CHARGES Rs. 500 X 300 Days X 10 Beds X 80% X 25% |
Rs. 0.300 Million |
|
|
|
|
TOTAL HOSPITAL
INCOME |
Rs. 1.200 Millions |
|
|
|
|
(7) LABORATORY
TESTING INCOME 25 Patients X Rs. 200 per Patient = Rs. 5000 X 300 Days X 25% |
Rs. 0.375 Million |
EXPENSES FOR
MEDICINES AND HOSPITAL WORKING
Expenses for Medicines and Hospital Working Expenses [Like Electricity Bill, Telephone Bill, Maintenance Expenses, Salary to staff, OT Expenses etc.] are expected to Rs. 3.500 Millions include all expenses incurred for opening and operating of hospital at initial stage other than above expenses.
MEANS OF FINANCE
For setting up the project, the cost of the project will be financed as under. 25% money will be invested by proprietor for getting up this term loan. It is expected that the term loan given by the bank would be Rs. 10.000 Millions and Working Capital Loan given by the bank would be Rs. 2.500 Millions.
------------------------------------------------------------------------------------------------------------------------------
VALUATION REPORT
(GENERAL DETAILS)
|
Purpose for which valuation is made of the
property |
To ascertain the fair and marketable value |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
|
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
Date as on which valuation is made |
06.01.2015 |
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Name of the Owner |
Mr. Rakeshkumar Amrutlal Patel and Mrs. Jigar Babulal Patel |
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It the property is under Joint Ownership/ Co
Ownership Share of each such owner. Are the shares undivided? |
Joint Ownership |
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Brief description of the property |
This is Commercial Office |
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Location, Street, Ward No. |
Office No. 201 and 202, “Palm Arcade”, Opposite
Shukan Bungalows, Nikol-Naroda Road, Nikol, Ahmedabad |
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Survey/Plot No. of Land |
F.P. No. 79, Revenue Survey No. 306, T.P. No. 102 (Nikol), Mouje-Nikol Ta.-City, District Ahmedabad |
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Is the property situated in the Residential/
Commercial/ Mixed Area/ Industrial Area |
Commercial and Residential Area |
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Classification of Locality – High class/
Middle Class/ Poor class? |
Middle Class Locality |
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Proximity to civic amenities like School,
Hospitals, cinema etc. |
All civic amenities are available at 1 km
radius. |
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Means and proximity to surface communication
by which the locality is served. |
Local Transport AMTS, BRTS, Railway and
Taxi. |
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LAND |
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Area of land supported by documentary proof,
shape, dimensions and physical features |
Built up Area = 3149 Sq. ft. (292.65 Sq. yds) |
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Roads, street of lanes on which the land is
abutting |
East = Adjoining Property West = Office 203 North = T.P. 30 Mt. Road South = Residential Blocks |
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Is it freehold or leasehold land? |
Freehold land |
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If leasehold the name of lessor/ lessee
nature of lease, dates of commencement and termination lease and terms of renewal
of lease 1) Initial Premium 2) Ground rent payable per annum 3) Unearned increase payable to the lessee in the event of sales to
transfer. |
Owner Occupied Not Applicable Not Applicable Not Applicable |
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Is there any restrictive convenant in regard
to use of land? If so |
No |
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Are there any agreement of easements if so, |
Not Applicable |
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Does the land fall in area included in any Town
Planning Scheme or any Development Plan of Govt. of any statutory body? If so |
Yes, T.P. No. 4, Mouje – Nikol, Ta-City,
District Ahmedabad |
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Has any contribution been made towards
development or is any demand for contribution still outstanding. |
Not Available |
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Has the whole or part of the land been
notified for acquisition by Government or any statutory body. Give details of
the notification |
No |
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IMPROVEMENTS |
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Furnish technical details of the building on
a separate sheet. |
As per technical details |
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Is the building owner occupied / tenanted /
both |
Owner Occupied |
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If partly owner occupied, specify portion
and extent of area under owner occupation. |
Fully occupied by owner |
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Names of tenants/ lessees/ licenses etc. |
Owner occupied |
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Portions in their occupation |
Not Applicable |
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Monthly or annual rent/ compensation/
license fee etc. paid by each |
Not Available |
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Gross amount received for the whole property |
Nor Available |
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Are any of the occupants related to or close
business associates of the owner. |
Not Available |
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Is separate amount being recovered for the use
of fixtures like fans, geysers, refrigerators, cooking ranges, built in
wardrobes etc. or for service charges? If so |
Not Available |
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Give details of water and electricity
charges, if any to be borne by the owner. |
Owner has to bear charges |
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Has the tenant to bear the whole or part of
the cost of repairs and maintenance? Give particulars |
Owner has to bear charges |
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If a lift is installed, who has to bear the
cost of maintenance and operation – owner or tenant |
Owner has to bear charges |
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If pump is installed, who has to bear the
cost of maintenance and operation – owner or tenant |
Owner has to bear charges |
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Who has to bear the cost of electricity charges
for lightning of common space like entrance hall, stairs, passage, compound
etc. owner or tenants |
Owner has to bear charges |
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What is the amount of property tax? Who is
to bear it? Give details with documentary proof |
Owner has to bear charges |
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Is the building insured? If so give the
policy no. amount for which it is insured and annual premium |
Not Available |
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Is any dispute between landlord and tenant
regarding rent of building in a court of law? |
Not Available |
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Has any standard rent been fixed for the
premises under any law relating to the control of rent? |
Not Applicable |
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SALES |
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Give instances of sales of immovable property
in the locality on a separate sheet, indicating the name and address of the
property, Regis. No., sale price and area of land sold. |
Not Available |
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Land rate adopted in this valuation |
Built up Rate = Rs. 3500/- Sq. ft. |
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Sale instances are not relied upon, the
basis of arriving at the land rate |
From Local Inquiry and Experience. |
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COST OF CONSTRUCTION |
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Year of commencement of construction and
year of completion. |
2012 |
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What was the method of construction by
contract/ by employing labour direct/ both? |
Not Available |
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For items of work done on contract produce
copies of agreements. |
Not Available |
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For items of work done by engaging labour directly,
give basic rates of materials and labour supported by documentary proof. |
Not Available |
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Whether the immovable property in question
is in possession of tenants or is self-occupied. |
Owner occupied |
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Whether it is vacant plot or building |
Land and Building |
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Whether it is an agricultural, residential
or industrial area |
Commercial area |
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Sanctioned Plan |
Vide Case No.: BLNTI/NZ/090810/P/A8904/RO/M1 Dated: 19.10.2010 Rajachitthi No.: 18007/090810/A8904/RO/M1 Dated: 07.01.2012 Approved by AMC |
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B.U. Permission No. |
BU/EZ/220813/0645 Dated: 30.10.2013 |
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VALUATION LAND AND BUILDING: Considering the sales of land in this locality,
the position of the land with respects to road, surrounding developments, and
the distances to be travelled on foot, and by bus service to the city and the
business places, size of the plot and such other factors affecting the value
of the land and considering the nature of construction, materials used there
in, the Market Value of the Commercial Property as under:
The Market Value of Office No. 201 and 202,
“Palm Arcade” situated at Opposite Shukan Bungalows, Nikol-Naroda Road, Nikol,
Ahmedabad, F.P. No. 79, Revenue Survey No. 306, T.P. No. 102 (Nikol),
Mouje-Nikol, Ta-City, District Ahmedabad Gujarat India owned by Mr.
Rakeshkumar Amrutlal Patel and Mrs. Jigar Babulal Patel at Rs. 11.022
Millions as on 06.01.2014. REALIZABLE VALUE The net value of an asset if it were to be
sold, taking into account the cost of making the sale and of bringing the
assets into a saleable state, the Realizable Value (10% less) of the property
as under:
DISTRESS VALUE When valuing a distressed property, an
appraiser should examine the types of problems causing the property to be
categorized as distressed and what needs to be done for the property to recover.
The appraiser should indicate on the appraisal report why the problems have
hurt the property and its value, in its current use (rental property, primary
residence). Distress value of real property should include an analysis of the
property’s “as-is” market value and the amount a buyer would be willing to
pay and still be able to cover all costs involved for recovery of the
property. So, the distress value (20% less) of the property as under:
JANTRY VALUE Jantry is a statement of guideline rates
(i.e. market rates as per State Government) for immovable properties (i.e.
land and building), published by State Government for the purpose of
calculation of Registration Fees and Stamp Duty to be paid or Stamp to be
used/ affixed at the time of execution and / or registration of a deed or a
document executed between parties and intended for sale and / or transfer of
one or more such properties. It comprises of statement of rates along with
guidelines for its implementation and input form.
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TECHNICAL DETAILS |
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No of floors and height of each floor a) Basement b) Ground floor and First floor c) Second floor and Third floor |
Office No. 201 and 202 Basement + Five Floor |
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Plinth area –floor wise a) Basement b) Ground floor and First floor c) Second floor and Third floor |
Built up Area = 3149 Sq. ft. (292.65 Sq. Mt.) |
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Year of Construction |
2012 |
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Estimated future life |
64 Years |
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Type of construction –load bearing walls/ RCC
frame steel frame |
RCC frame structure |
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Type of foundations |
RCC frame structure |
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Walls a) Basement and plinth b) Ground floor and First floor c) Second floor and Third floor |
Brick Masonry Wall |
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Partitions |
Brick Masonry Wall |
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Door, Windows etc. (Floor-Wise) a) Basement b) Ground floor and First floor c) Second floor and Third floor |
Wooden doors and Aluminum frame with glass
panel doors. |
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Flooring (Floor-wise) a) Basement b) Ground floor and First floor c) Second floor and Third floor |
Vitrified tiles as flooring |
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Finishing (Floor Wise) a) Basement b) Ground floor and First floor c) Second floor and Third floor |
Inside and outside sand face plaster |
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Roofing and Terracing |
RCC slab as roofing |
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Special architectural or decorative
features, if any |
Good building |
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Internal Wiring – Surface or Conduit Class of fitting-superior/ ordinary/ poor |
Concealed wiring |
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Sanitary Installations a) No. of water closets b) No. lavatory basins c) No. of urinals d) No. of sinks e) No. of bath tubs f) No. of bidets g) No. of geysers |
Installed |
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Compound Wall a) Height and length b) Type of construction |
Not Available |
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No of lift and capacity |
Not Available |
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Underground sumps capacity and type of
construction |
Available |
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Overhead Tanks a) Where located b) Capacity c) Type of construction |
Available |
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Pump No and their horse power |
Available |
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Roads and Paving within the compound
approximate area and type of paving |
Internal Road |
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Sewage Disposal/ Whether connected to public
sewer. If septic tanks provide (No and Capacity) |
Connected to AMC. |
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------------------------------------------------------------------------------------------------------------------------------
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 records exist to suggest that subject is
or was the subject of any formal or informal allegations, prosecutions or other
official proceeding for making any prohibited payments or other improper
payments to government officials for engaging in prohibited transactions or with
designated parties.
3] Asset Declaration :
No records exist to suggest that the property or assets of the subject
are derived from criminal conduct or a prohibited transaction.
4] Record on Financial
Crime :
Charges or conviction registered
against subject: None
5] Records on Violation of
Anti-Corruption Laws :
Charges or
investigation registered against subject: None
6] Records on Int’l
Anti-Money Laundering Laws/Standards :
Charges or investigation
registered against subject: None
7] Criminal Records
No
available information exist that suggest that subject or any of its principals
have been formally charged or convicted by a competent governmental authority
for any financial crime or under any formal investigation by a competent
government authority for any violation of anti-corruption laws or international
anti-money laundering laws or standard.
8] Affiliation with
Government :
No record
exists to suggest that any director or indirect owners, controlling
shareholders, director, officer or employee of the company is a government
official or a family member or close business associate of a Government
official.
9] Compensation Package :
Our market
survey revealed that the amount of compensation sought by the subject is fair
and reasonable and comparable to compensation paid to others for similar
services.
10] Press Report :
No press reports / filings exists on
the subject.
CORPORATE GOVERNANCE
MIRA INFORM as part of its Due Diligence do provide comments on
Corporate Governance to identify management and governance. These factors often
have been predictive and in some cases have created vulnerabilities to credit
deterioration.
Our Governance Assessment focuses principally on the interactions
between a company’s management, its Board of Directors, Shareholders and other
financial stakeholders.
CONTRAVENTION
Subject is not known to have contravened any existing local laws,
regulations or policies that prohibit, restrict or otherwise affect the terms
and conditions that could be included in the agreement with the subject.
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs. 62.61 |
|
|
1 |
Rs. 92.95 |
|
Euro |
1 |
Rs. 68.15 |
INFORMATION DETAILS
|
Information
Gathered by : |
PPT |
|
|
|
|
Analysis Done by
: |
KAR |
|
|
|
|
Report Prepared
by : |
BVA |
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.