|
|
|
MIRA INFORM REPORT
|
Report No. : |
488324 |
|
Report Date : |
01.02.2018 |
IDENTIFICATION DETAILS
|
Name : |
ALLIED ANALYTICS LLP |
|
|
|
|
Registered
Office : |
Office No.102 D & 102 E, 2nd Floor, A-3 Building, E-Space IT Park, S No.46/1, Pune Nagar Road, Wadagaon Sheri Pune, Pune 411014, Maharashtra |
|
Tel. No.: |
91-20-66346021 / 66346060 |
|
|
|
|
Country : |
India |
|
|
|
|
Financials (as
on) : |
31.03.2017 |
|
|
|
|
Date of
Incorporation : |
12.08.2013 |
|
|
|
|
Total Obligation
of Contribution: |
INR 0.050 Million |
|
|
|
|
LLPIN No.: |
AAB-7006 |
|
|
|
|
IEC No.: |
Not Divulged |
|
|
|
|
GSTIN: |
Not Divulged |
|
|
|
|
TAN No.: [Tax Deduction &
Collection Account No.] |
Not Available |
|
|
|
|
PAN No.: [Permanent Account No.] |
AAYFA5966H |
|
|
|
|
Legal Form : |
Limited Liability Partnership |
|
|
|
|
Line of Business
: |
Provides business insights and market research reports to large as well as small and medium enterprises. (Confirmed by Management) |
|
|
|
|
No. of Employees
: |
Information declined by the management |
RATING & COMMENTS
(Mira Inform has adopted New Rating mechanism w.e.f. 23rd
January 2017)
|
MIRA’s Rating : |
C |
|
Credit Rating |
Explanation |
Rating Comments |
|
C |
Medium High Risk |
Business dealings permissible preferably
on secured basis |
|
Status : |
Moderate |
|
|
|
|
Payment Behaviour : |
Slow |
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|
|
|
Litigation : |
Clear |
|
|
|
|
Comments : |
Subject is a limited liability partnership concern established in the year 2013 having moderate track record. For the financial year 2017, the concern has achieved decent growth in its revenue as compared to its previous year but has incurred huge operational loss. The loss has been accumulated and exceeded the capital which resulted into erosion of net worth. Rating gets constrained by its moderate financial risk profile marked by eroded net worth base. Rating further gets constrained on account of its limited track record of its business operation and intense competitive pressure from other organized as well as unorganized players operating in the fragmented industry. Payments seems to be slow. In view of aforesaid, the firm can be considered for business dealing at fully safe and secured 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
|
Country Name |
Previous Rating (30.06.2017) |
Current Rating (30.09.2017) |
|
India |
A1 |
A1 |
|
Risk Category |
ECGC
Classification |
|
Insignificant |
A1 |
|
Low Risk |
A2 |
|
Moderately Low Risk |
B1 |
|
Moderate Risk |
B2 |
|
Moderately High Risk |
C1 |
|
High Risk |
C2 |
|
Very High Risk |
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
31-03-2016.
BIFR (Board for Industrial & Financial Reconstruction) LISTING
STATUS
Subject’s name is not listed as a Sick Unit in
the publicly available BIFR (Board for Industrial & Financial
Reconstruction) list as of 01.02.2018
IBBI (Insolvency and Bankruptcy Board of India) LISTING STATUS
Subject’s name is not listed in the publicly
available IBBI (Insolvency and Bankruptcy Board of India) list as of report
date.
INFORMATION DECLINED
Management non-cooperative (Tel No.:91-20-66346000
/ 66346010)
LOCATIONS
|
Registered Office : |
Office No.102 D & 102 E, 2nd Floor, A-3 Building, E-Space IT Park, S No.46/1, Pune Nagar Road, Wadagaon Sheri Pune, Pune 411014, Maharashtra, India |
|
Tel. No.: |
91-20-66346021 / 66346060 / 66346000 / 66346010 |
|
Fax No.: |
Not Available |
|
E-Mail : |
|
|
Website: |
PARTNERS
As on 2017
|
Name : |
Mr. Vasant Baburao Gadekar |
|
Designation : |
Designated Partner |
|
Address : |
447-1, Kolase Davakhana Vasti, Santnagar Bakorifata Je Je Nagar, Kalubai Nagar, Vagholi Pune 412207, Maharashtra, India |
|
Date of Appointment : |
19.03.2016 |
|
DPIN No. : |
06627818 |
|
|
|
|
Name : |
Mr. Hrushikesh Jayant Kshirsagar |
|
Designation : |
Body Corporate DP Nominee |
|
Address : |
Sarve No 721/1, Flat No 404, Sudhanshu Co-Operative Housing Society, Shastri Road, Phatak Baug, Pune-411030, Maharashtra, India |
|
Date of Appointment : |
12.08.2013 |
|
DPIN No. : |
06571174 |
KEY EXECUTIVE
|
Name : |
Ms. Aniditha |
|
Designation: |
Assistant Manager (Market Research) |
CONTRIBUTION DETAILS
As on 31.03.2017
|
Names of Persons |
INR In Million |
|
Vasant Baburao Gadekar |
0.002 |
|
Origius Systems Private Limited, India |
0.048 |
|
Total |
0.050 |
BUSINESS DETAILS
|
Line of Business : |
Provides business insights and market research reports to large as well as small and medium enterprises. (Confirmed by Management) |
|
|
|
|
Products/ Services : |
Not divulged |
|
|
|
|
Brand Names : |
Not Available |
|
|
|
|
Agencies Held : |
Not Available |
|
|
|
|
Exports : |
Not Divulged |
|
|
|
|
Imports : |
Not Divulged |
|
|
|
|
Terms : |
Not Divulged |
PRODUCTION STATUS NOT AVAILABLE
GENERAL INFORMATION
|
Suppliers : |
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Customers : |
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No. of Employees : |
Information declined by the management |
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|
||||||||||||||
|
Bankers : |
|
|
Auditors : |
|
|
Name: |
H.R. Arsiddha and Associates Chartered Accountants |
|
Address : |
133, Parvati Paytha, Opposite Gangai Society, Pune-411030,
Maharashtra, India |
|
Mobiles No: |
91-9822290869 |
|
Email: |
|
|
|
|
|
Memberships : |
-- |
|
|
|
|
Collaborators : |
-- |
|
|
|
|
Other related party : |
Origius Systems Private Limited
|
CAPITAL STRUCTURE
As on 31.03.2017
|
Particular |
31.03.2017 INR in Million |
|
Partners’ capital |
|
|
Vasant Baburao Gadekar |
0.002 |
|
Origius Systems Private Limited
|
0.048 |
|
Total Obligation Fund |
0.050 |
FINANCIAL DATA
[all figures are
INR Million]
ABRIDGED
BALANCE SHEET
|
SOURCES OF FUNDS |
31.03.2017 |
31.03.2016 |
31.03.2015 |
|
|
CONTRIBUTION
AND LIABILITIES |
|
|
|
|
|
1] Partners Capital |
0.050 |
0.050 |
0.050 |
|
|
2] Share Application Money |
0.000 |
0.000 |
0.000 |
|
|
3] Reserves & Surplus |
(10.159) |
3.275 |
1.239 |
|
|
4] (Accumulated Losses) |
0.000 |
0.000 |
0.000 |
|
|
NETWORTH |
(10.109) |
3.325 |
1.289 |
|
|
LOAN FUNDS |
|
|
|
|
|
1] Secured Loans |
0.000 |
0.000 |
0.000 |
|
|
2] Unsecured Loans |
20.955 |
3.346 |
0.263 |
|
|
TOTAL BORROWING |
20.955 |
3.346 |
0.263 |
|
|
DEFERRED TAX LIABILITIES |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
10.846 |
6.671 |
1.552 |
|
|
|
|
|
|
|
|
APPLICATION OF FUNDS |
|
|
|
|
|
|
|
|
|
|
|
FIXED ASSETS [Net Block] |
1.531 |
1.945 |
1.761 |
|
|
Capital work-in-progress |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
INVESTMENT |
0.000 |
0.000 |
0.000 |
|
|
DEFERREX TAX ASSETS |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
CURRENT ASSETS, LOANS & ADVANCES |
|
|
|
|
|
|
Inventories |
0.000 |
0.000 |
0.000 |
|
|
Sundry Debtors |
8.477
|
2.332
|
0.000
|
|
|
Cash & Bank Balances |
1.212
|
0.518
|
0.977
|
|
|
Other Current Assets |
2.974 |
4.244 |
4.118 |
|
|
Loans & Advances |
0.000
|
0.000
|
0.364
|
|
Total
Current Assets |
12.663
|
7.094
|
5.459
|
|
|
Less : CURRENT
LIABILITIES & PROVISIONS |
|
|
|
|
|
|
Sundry Creditors |
1.643
|
0.828
|
4.494
|
|
|
Other Current Liabilities and Provisions |
1.705
|
1.540
|
1.174 |
|
Total
Current Liabilities |
3.348
|
2.368
|
5.668
|
|
|
Net Current Assets |
9.315 |
4.726 |
(0.209)
|
|
|
|
|
|
|
|
|
MISCELLANEOUS EXPENSES |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
10.846 |
6.671 |
1.552 |
|
PROFIT
& LOSS ACCOUNT
|
|
PARTICULARS |
|
31.03.2017 |
31.03.2016 |
|
|
SALES |
|
|
|
|
|
Income |
|
64.801 |
44.646 |
|
|
Other Income |
|
0.012 |
0.009 |
|
|
TOTAL |
|
64.813 |
44.655 |
|
|
|
|
|
|
|
Less |
EXPENSES |
|
|
|
|
|
Purchases of reports for
resale |
|
0.048 |
0.000 |
|
|
Employees benefits
expense |
|
51.305 |
23.414 |
|
|
Other expenses |
|
22.221 |
14.603 |
|
|
TOTAL |
|
73.574 |
38.017 |
|
|
|
|
|
|
|
|
PROFIT/ (LOSS) BEFORE INTEREST, TAX, DEPRECIATION AND
AMORTISATION |
|
(8.761) |
6.638 |
|
|
|
|
|
|
|
Less |
FINANCIAL EXPENSES |
|
3.239 |
1.468 |
|
|
|
|
|
|
|
|
PROFIT / (LOSS) BEFORE
TAX, DEPRECIATION AND AMORTISATION |
|
(12.000) |
5.170 |
|
|
|
|
|
|
|
Less/ Add |
DEPRECIATION/
AMORTISATION |
|
1.434 |
1.580 |
|
|
|
|
|
|
|
|
PROFIT/ (LOSS) BEFORE TAX |
|
(13.434) |
3.590 |
|
|
|
|
|
|
|
Less |
TAX |
|
0.000 |
1.555 |
|
|
|
|
|
|
|
|
PROFIT/ (LOSS) AFTER TAX
|
|
(13.434) |
2.035 |
|
|
|
|
|
|
|
|
EARNINGS
IN FOREIGN CURRENCY |
|
|
|
|
|
Report Sales |
|
63.932 |
44.646 |
|
|
TOTAL
EARNINGS |
|
63.932 |
44.646 |
|
|
PARTICULARS |
|
|
31.03.2015 |
|
|
SALES |
|
|
|
|
|
Income |
|
|
20.657 |
|
|
Other Income |
|
|
0.006 |
|
|
TOTAL |
|
|
20.663 |
|
|
|
|
|
|
|
Less |
EXPENSES |
|
|
|
|
|
Cost of Materials
Consumed |
|
|
0.000 |
|
|
Purchases of reports for
resale |
|
|
0.000 |
|
|
Other expenses |
|
|
2.296 |
|
|
Power and fuel |
|
|
0.251 |
|
|
Personnel Expenses |
|
|
12.012 |
|
|
Administrative expenses |
|
|
1.073 |
|
|
Payment to auditors |
|
|
0.025 |
|
|
Selling expenses |
|
|
1.305 |
|
|
Insurance expenses |
|
|
0.119 |
|
|
TOTAL |
|
|
17.081 |
|
|
|
|
|
|
|
|
PROFIT/ (LOSS) BEFORE INTEREST, TAX, DEPRECIATION AND
AMORTISATION |
|
|
3.582 |
|
|
|
|
|
|
|
Less |
FINANCIAL EXPENSES |
|
|
0.000 |
|
|
|
|
|
|
|
|
PROFIT / (LOSS) BEFORE
TAX, DEPRECIATION AND AMORTISATION |
|
|
3.582 |
|
|
|
|
|
|
|
Less/ Add |
DEPRECIATION/
AMORTISATION |
|
|
0.810 |
|
|
|
|
|
|
|
|
PROFIT/ (LOSS) BEFORE TAX |
|
|
2.772 |
|
|
|
|
|
|
|
Less |
TAX |
|
|
0.000 |
|
|
|
|
|
|
|
|
PROFIT/ (LOSS) AFTER TAX
|
|
|
2.772 |
CURRENT MATURITIES
OF LONG TERM DEBT DETAILS
|
Particulars |
31.03.2017 |
31.03.2016 |
31.03.2015 |
|
Current Maturities of Long term debt |
NA |
NA |
NA |
|
Cash generated from operations |
NA |
NA |
NA |
|
Net cash flows from (used in) operating activity |
NA |
NA |
NA |
KEY
RATIOS
EFFICIENCY RATIOS
|
PARTICULARS |
31.03.2017 |
31.03.2016 |
31.03.2015 |
|
Average Collection Days (Sundry Debtors / Income * 365 Days) |
47.75 |
19.07 |
0.00 |
|
|
|
|
|
|
Account Receivables Turnover (Income / Sundry
Debtors) |
7.64 |
19.14 |
0.00 |
|
|
|
|
|
|
Average Payment Days (Sundry Creditors
/ Purchases * 365 Days) |
12493.65 |
0.00 |
0.00 |
|
|
|
|
|
|
Inventory Turnover (Operating Income
/ Inventories) |
0.00 |
0.00 |
0.00 |
|
|
|
|
|
|
Asset Turnover (Operating Income
/ Net Fixed Assets) |
(5.72) |
3.41 |
2.03 |
LEVERAGE RATIOS
|
PARTICULARS |
31.03.2017 |
31.03.2016 |
31.03.2015 |
|
Debt Ratio ((Borrowing + Current Liabilities) / Total
Assets) |
1.71 |
0.63 |
0.82 |
|
|
|
|
|
|
Debt Equity Ratio (Total Liability
/ Networth) |
(2.07) |
1.01 |
0.20 |
|
|
|
|
|
|
Current Liabilities to Networth (Current Liabilities
/ Net Worth) |
(2.40) |
1.72 |
4.60 |
|
|
|
|
|
|
Fixed Assets to Networth (Net Fixed Assets
/ Networth) |
(0.15) |
0.58 |
1.37 |
|
|
|
|
|
|
Interest Coverage Ratio (PBIT / Financial
Charges) |
(2.70) |
4.52 |
0.00 |
PROFITABILITY RATIOS
|
PARTICULARS |
|
31.03.2017 |
31.03.2016 |
31.03.2015 |
|
Net Profit Margin ((PAT / Sales) *
100) |
% |
(20.73) |
4.56 |
13.42 |
|
|
|
|
|
|
|
Return on Total Assets ((PAT / Total
Assets) * 100) |
% |
(94.65) |
22.51 |
38.39 |
|
|
|
|
|
|
|
Return on Investment (ROI) ((PAT / Networth)
* 100) |
% |
132.89 |
61.20 |
215.05 |
SOLVENCY RATIOS
|
PARTICULARS |
31.03.2017 |
31.03.2016 |
31.03.2015 |
|
Current Ratio (Current Assets / Current Liabilities) |
0.52 |
1.24 |
0.92 |
|
|
|
|
|
|
Quick Ratio ((Current Assets
– Inventories) / Current Liabilities) |
0.52 |
1.24 |
0.92 |
|
|
|
|
|
|
G-Score Ratio Financial (Networth / Total
Assets) |
(0.71) |
0.37 |
0.18 |
|
|
|
|
|
|
G-Score Ratio Debt (Debts / Equity
Capital) |
419.10 |
66.92 |
5.26 |
|
|
|
|
|
|
G-Score Ratio Liquidity (Total Current
Assets / Total Current Liabilities) |
0.52 |
1.24 |
0.92 |
Total Liability = Short-term Debt + Long-term
Debt + Current Maturities of Long-term debts
FINANCIAL ANALYSIS
[all figures are in
INR Million]
DEBT EQUITY RATIO
|
Particular |
31.03.2015 |
31.03.2016 |
31.03.2017 |
|
|
INR
In Million |
INR
In Million |
INR
In Million |
|
Partners’ Capital |
0.050 |
0.050 |
0.050 |
|
Reserves & Surplus |
1.239 |
3.275 |
(10.159) |
|
Net
worth |
1.289 |
3.325 |
(10.109) |
|
|
|
|
|
|
Secured loan |
0.000 |
0.000 |
0.000 |
|
Unsecured loan |
0.263 |
3.346 |
20.955 |
|
Total
borrowings |
0.263 |
3.346 |
20.955 |
|
Debt/Equity
ratio |
0.204 |
1.006 |
(2.073) |
YEAR-ON-YEAR GROWTH
|
Year
on Year Growth |
31.03.2015 |
31.03.2016 |
31.03.2017 |
|
|
INR
In Million |
INR
In Million |
INR
In Million |
|
Sales |
20.657 |
44.646 |
64.801 |
|
|
|
116.130 |
45.144 |
NET PROFIT MARGIN
|
Net
Profit Margin |
31.03.2015 |
31.03.2016 |
31.03.2017 |
|
|
INR
In Million |
INR
In Million |
INR
In Million |
|
Sales |
20.657 |
44.646 |
64.801 |
|
Profit/ (Loss) |
2.772 |
2.035 |
(13.434) |
|
|
13.42% |
4.56% |
(20.73)% |
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 |
No |
|
8] |
Designation of contact person |
No |
|
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) |
No |
|
16] |
No. of employees |
No |
|
17] |
Details of sister concerns |
Yes |
|
18] |
Major suppliers |
No |
|
19] |
Major customers |
No |
|
20] |
Banking Details |
Yes |
|
21] |
Banking facility details |
No |
|
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 |
No |
|
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 |
No |
|
35] |
Negative Reporting by Auditors in the
Annual Report |
No |
UNSECURED LOAN
|
Particular |
31.03.2017 (INR
in Million) |
31.03.2016 (INR
in Million) |
|
Aadri Infin Limited |
1.512 |
0.000 |
|
Axis bank loan |
1.456 |
0.000 |
|
Capital first loan |
1.858 |
0.000 |
|
Deutsche bank BIL A/C |
2.251 |
0.000 |
|
HDFC Bank Limited |
1.908 |
0.000 |
|
Hotel Shivsamrpan Loan |
0.672 |
0.000 |
|
Kotak Bank Loan |
1.436 |
0.000 |
|
Meera Printers and Designers Loan |
0.672 |
0.000 |
|
Pawan Kumar |
4.136 |
0.000 |
|
RBL Bank Limited |
1.402 |
0.000 |
|
Yojana Jeevan |
0.888 |
0.000 |
|
Vasant Gadekar |
0.264 |
0.263 |
|
Hrushikesh Kshirsagar |
0.500 |
1.083 |
|
Prakash Tiwari |
2.000 |
2.000 |
|
Total |
20.955 |
3.346 |
NOTE: Registered office of the company has been shifted from “Vimantal Police Stqation, Satya Arcade, Ramvadi, Viman Nagar, Pune -411014, Maharashtra, India ”to the present address w.e.f. 26.06.2015
INDEX
OF CHARGES: NO CHARGES EXISTS FOR LLP
FIXED ASSETS
- Furniture and
Fixture
- Computer
- Peripherals
- Office
Equipment
- Software
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
|
INR |
|
US Dollar |
1 |
INR 63.50 |
|
|
1 |
INR 90.92 |
|
Euro |
1 |
INR 79.07 |
INFORMATION DETAILS
|
Information
Gathered by : |
SAV |
|
|
|
|
Analysis Done by
: |
NIS |
|
|
|
|
Report Prepared
by : |
RKI |
SCORE FACTORS
|
DEMERIT POINTS |
|
|
|
--BANK CHARGES |
YES/NO |
NO |
|
--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 |
YES |
|
--LISTED |
YES/NO |
NO |
|
--OTHER MERIT FACTORS |
YES/NO |
YES |
RATING EXPLANATIONS
|
Credit Rating |
Explanation |
Rating Comments |
|
A++ |
Minimum Risk |
Business dealings permissible with minimum
risk of default |
|
A+ |
Low Risk |
Business dealings permissible with low
risk of default |
|
A |
Acceptable Risk |
Business dealings permissible with
moderate risk of default |
|
B |
Medium Risk |
Business dealings permissible on a regular
monitoring basis |
|
C |
Medium High Risk |
Business dealings permissible preferably
on secured basis |
|
D |
High Risk |
Business dealing not recommended or on
secured terms only |
|
NB |
New Business |
No recommendation can be done due to
business in infancy stage |
|
NT |
No Trace |
No recommendation can be done as the
business is not traceable |
NB is stated where there is insufficient information to facilitate rating. However, it is not to be considered as unfavourable.
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 are as follows:
·
Financial
condition covering various ratios
·
Company
background and operations size
·
Promoters
/ Management background
·
Payment
record
·
Litigation
against the subject
·
Industry
scenario / competitor analysis
·
Supplier
/ Customer / Banker review (wherever available)
This report is issued at
your request without any risk and responsibility on the part of MIRA INFORM
PRIVATE LIMITED (MIPL) or its officials.