|
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|
MIRA INFORM REPORT
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Report No. : |
489757 |
|
Report Date : |
14.02.2018 |
IDENTIFICATION DETAILS
|
Name : |
BLESSING INDIAN REMY HAIR EXPORTS PRIVATE LIMITED |
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|
|
|
Registered
Office : |
7/11, South Patel Nagar, New Delhi Central, Delhi -110008 |
|
Mobile No.: |
91-9999274991 (Mr. Abhishek Bakshi) |
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|
Country : |
India |
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Financials (as
on) : |
31.03.2016 |
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Date of
Incorporation : |
25.07.2014 |
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Com. Reg. No.: |
55-269463 |
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Capital
Investment / Paid-up Capital : |
INR 0.100 Million |
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CIN No.: [Company Identification
No.] |
U74999DL2014PTC269463 |
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IEC No.: |
0514066440 |
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GSTIN: |
Not Divulged |
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TAN No.: [Tax Deduction &
Collection Account No.] |
Not Available |
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PAN No.: [Permanent Account No.] |
AAFCB9865J |
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Legal Form : |
Private Limited Liability Company |
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Line of Business
: |
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No. of Employees
: |
25 (Approximately) |
RATING & COMMENTS
(Mira Inform has adopted New Rating mechanism w.e.f. 23rd
January 2017)
|
MIRA’s Rating : |
B |
|
Credit Rating |
Explanation |
Rating Comments |
|
B |
Medium Risk |
Business dealings permissible on a regular
monitoring basis |
|
Maximum Credit Limit : |
USD 330 |
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|
Status : |
Moderate |
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Payment Behaviour : |
Slow |
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Litigation : |
Clear |
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Comments : |
Subject was incorporated in the year 2014. It is a manufacturer and exporter of machine weft hair, hair extensions, deep curly. Management has not field its financial record with government department for the year 2017 and same are not available from any other sources. As per the financial records of 2016, the company has achieved a massive growth in its revenue as compared to the previous years and has reported low profitability margin. The moderate financial position of the company is reflected by average
networth base along with low reserve base. Business is active. Payment seems to be slow. In view of aforesaid, the company 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
|
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 14.02.2018
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 PARTED BY
|
Name : |
Mr. Abhishek Bakshi |
|
Designation : |
Director |
|
Contact No.: |
91-9999274991 |
|
Date : |
13.02.2018 |
LOCATIONS
|
Registered Office/ Factory : |
7/11, South Patel Nagar, New Delhi Central, Delhi -110008 |
|
Tel. No.: |
Not Available |
|
Mobile No.: |
91-9999274991 (Mr. Abhishek
Bakshi) |
|
Fax No.: |
Not Available |
|
E-Mail : |
|
|
Website : |
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|
Area : |
2200 Sq. ft. |
|
Location : |
Owned |
|
Locality : |
Industrial |
DIRECTORS
|
Name : |
Mrs. Neelam Bakshi |
|
Designation : |
Director |
|
Address : |
7/11, South Patel Nagar, Patel Nagar, New Delhi - 110008, India |
|
Date of Birth: |
15.08.1959 |
|
Date of Appointment : |
25.07.2014 |
|
DIN No.: |
06880345 |
|
|
|
|
Name : |
Mr. Abhishek Bakshi |
|
Designation : |
Director |
|
Address : |
7/11, South Patel Nagar, Patel Nagar, New Delhi - 110008, India |
|
Date of Birth: |
02.07.1991 |
|
Date of Appointment : |
25.07.2014 |
|
DIN No.: |
06880349 |
MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN
As on 31.03.2016
|
Names of Shareholders |
No. of Shares |
%age
holding |
|
Abhishek Bakshi |
500 |
50.00 |
|
Neelam Bakshi |
500 |
50.00 |
|
Total |
1000 |
100.00 |
Equity Share Break up (Percentage of Total Equity)
As on 30.09.2015
|
Category |
Percentage |
|
Promoters (Individual/Hindu Undivided Family – Indian) |
100.00 |
|
Total |
100.00 |
BUSINESS DETAILS
|
Line of Business : |
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Products: |
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Brand Names : |
Not Available |
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Agencies Held : |
Not Available |
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Exports : |
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Products : |
Finished Goods |
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Countries : |
· USA · UK · African Countries · Denmark · Germany |
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Imports : |
Not Available |
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Terms : |
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Selling : |
Cash, Credit and Cheque |
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Purchasing : |
Cash, Credit and Cheque |
PRODUCTION STATUS: NOT AVAILABLE
GENERAL INFORMATION
|
Suppliers : |
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Customers : |
Retailer and End Users
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No. of Employees : |
25 (Approximately) |
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Bankers : |
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Auditors : |
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Name : |
Sharmaagarwal and Company Chartered Accountant |
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Address : |
7/63, South Patel Nagar, New Delhi -110008, India |
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PAN No.: |
AAIFS7855F |
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Memberships : |
-- |
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Collaborators : |
-- |
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Associates/Subsidiaries : |
Not Available |
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CAPITAL STRUCTURE
As on 31.03.2016
Authorised Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
|
|
|
|
|
1000 |
Equity Shares |
INR 10/- each |
INR 0.100 Million |
|
|
|
|
|
Issued, Subscribed & Paid-up Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
|
|
|
|
|
1000 |
Equity Shares |
INR 10/- each |
INR 0.100 Million |
|
|
|
|
|
FINANCIAL DATA
[all figures are
in INR Million]
ABRIDGED
BALANCE SHEET
|
SOURCES OF FUNDS |
|
31.03.2016 |
31.03.2015 |
|
I.
EQUITY
AND LIABILITIES |
|
|
|
|
(1)Shareholders' Funds |
|
|
|
|
(a) Share Capital |
|
0.100 |
0.100 |
|
(b) Reserves & Surplus |
|
0.016 |
0.004 |
|
(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) |
|
0.116 |
0.104 |
|
|
|
|
|
|
(3)
Non-Current Liabilities |
|
|
|
|
(a) long-term borrowings |
|
0.003 |
0.003 |
|
(b) Deferred tax liabilities (Net) |
|
0.000 |
0.000 |
|
(c) Other long term
liabilities |
|
0.000 |
0.000 |
|
(d) long-term
provisions |
|
0.000 |
0.000 |
|
Total Non-current
Liabilities (3) |
|
0.003 |
0.003 |
|
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(4)
Current Liabilities |
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|
(a) Short
term borrowings |
|
0.000 |
0.000 |
|
(b) Trade
payables |
|
0.231 |
0.088 |
|
(c) Other
current liabilities |
|
0.202 |
0.019 |
|
(d) Short-term
provisions |
|
0.051 |
0.012 |
|
Total Current
Liabilities (4) |
|
0.484 |
0.119 |
|
|
|
|
|
|
TOTAL |
|
0.603 |
0.226 |
|
|
|
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|
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II.
ASSETS |
|
|
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|
(1)
Non-current assets |
|
|
|
|
(a) Fixed
Assets |
|
|
|
|
(i)
Tangible assets |
|
0.016 |
0.000 |
|
(ii)
Intangible Assets |
|
0.034 |
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 |
|
0.008 |
0.012 |
|
Total Non-Current
Assets |
|
0.058 |
0.012 |
|
|
|
|
|
|
(2)
Current assets |
|
|
|
|
(a)
Current investments |
|
0.000 |
0.000 |
|
(b)
Inventories |
|
0.316 |
0.133 |
|
(c) Trade
receivables |
|
0.016 |
0.016 |
|
(d) Cash
and cash equivalents |
|
0.209 |
0.017 |
|
(e) Short-term
loans and advances |
|
0.000 |
0.000 |
|
(f) Other
current assets |
|
0.004 |
0.048 |
|
Total
Current Assets |
|
0.545 |
0.214 |
|
|
|
|
|
|
TOTAL |
|
0.603 |
0.226 |
PROFIT
& LOSS ACCOUNT
|
|
PARTICULARS |
|
31.03.2016 |
31.03.2015 |
|
|
SALES |
|
|
|
|
|
Income |
|
2.696 |
0.138 |
|
|
Other Income |
|
0.074 |
0.000 |
|
|
TOTAL |
|
2.770 |
0.138 |
|
|
|
|
|
|
|
Less |
EXPENSES |
|
|
|
|
|
Purchases of
Stock-in-Trade |
|
2.228 |
0.238 |
|
|
Changes in inventories of
finished goods, work-in-progress and Stock-in-Trade |
|
(0.183) |
(0.133) |
|
|
Employees benefits
expense |
|
0.355 |
0.000 |
|
|
Other expenses |
|
0.346 |
0.028 |
|
|
TOTAL |
|
2.746 |
0.133 |
|
|
|
|
|
|
|
|
PROFIT/ (LOSS) BEFORE INTEREST, TAX, DEPRECIATION AND
AMORTISATION |
|
0.024 |
0.005 |
|
|
|
|
|
|
|
Less |
FINANCIAL EXPENSES |
|
0.000 |
0.000 |
|
|
|
|
|
|
|
|
PROFIT / (LOSS) BEFORE
TAX, DEPRECIATION AND AMORTISATION |
|
0.024 |
0.005 |
|
|
|
|
|
|
|
Less/ Add |
DEPRECIATION/
AMORTISATION |
|
0.006 |
0.000 |
|
|
|
|
|
|
|
|
PROFIT/ (LOSS) BEFORE TAX |
|
0.018 |
0.005 |
|
|
|
|
|
|
|
Less |
TAX |
|
0.006 |
0.001 |
|
|
|
|
|
|
|
|
PROFIT/ (LOSS) AFTER TAX
|
|
0.012 |
0.004 |
|
|
|
|
|
|
|
|
Earnings / (Loss) Per
Share (INR) |
|
12.09 |
3.55 |
CURRENT MATURITIES OF LONG TERM DEBT DETAILS
|
Particulars |
|
31.03.2016 |
31.03.2015 |
|
Current Maturities of Long term debt |
|
NA |
NA |
|
Cash generated from operations |
|
NA |
NA |
|
Net cash flows from (used in) operation |
|
NA |
NA |
KEY
RATIOS
EFFICIENCY RATIOS
|
PARTICULARS |
|
31.03.2016 |
31.03.2015 |
|
Average Collection Days (Sundry Debtors /
Income * 365 Days) |
|
2.17 |
42.32 |
|
|
|
|
|
|
Account Receivables Turnover (Income / Sundry
Debtors) |
|
168.50 |
8.63 |
|
|
|
|
|
|
Average Payment Days (Sundry Creditors
/ Purchases * 365 Days) |
|
37.84 |
134.96 |
|
|
|
|
|
|
Inventory Turnover (Operating Income
/ Inventories) |
|
0.08 |
0.04 |
|
|
|
|
|
|
Asset Turnover (Operating Income
/ Net Fixed Assets) |
|
0.48 |
0.00 |
LEVERAGE RATIOS
|
PARTICULARS |
|
31.03.2016 |
31.03.2015 |
|
Debt Ratio ((Borrowing + Current
Liabilities) / Total Assets) |
|
0.81 |
0.54 |
|
|
|
|
|
|
Debt Equity Ratio (Total Liability
/ Networth) |
|
0.03 |
0.03 |
|
|
|
|
|
|
Current Liabilities to Networth (Current
Liabilities / Net Worth) |
|
4.17 |
1.14 |
|
|
|
|
|
|
Fixed Assets to Networth (Net Fixed Assets
/ Networth) |
|
0.43 |
0.00 |
|
|
|
|
|
|
Interest Coverage Ratio (PBIT / Financial
Charges) |
|
0.00 |
0.00 |
PROFITABILITY RATIOS
|
PARTICULARS |
|
|
31.03.2016 |
31.03.2015 |
|
Net Profit Margin ((PAT / Sales) *
100) |
% |
|
0.45 |
2.90 |
|
|
|
|
|
|
|
Return on Total Assets ((PAT / Total
Assets) * 100) |
% |
|
1.99 |
1.77 |
|
|
|
|
|
|
|
Return on Investment (ROI) ((PAT / Networth)
* 100) |
% |
|
10.34 |
3.85 |
SOLVENCY RATIOS
|
PARTICULARS |
|
31.03.2016 |
31.03.2015 |
|
Current Ratio (Current Assets /
Current Liabilities) |
|
1.13 |
1.80 |
|
|
|
|
|
|
Quick Ratio ((Current Assets
– Inventories) / Current Liabilities) |
|
0.47 |
0.68 |
|
|
|
|
|
|
G-Score Ratio Financial (Networth / Total
Assets) |
|
0.19 |
0.46 |
|
|
|
|
|
|
G-Score Ratio Debt (Debts / Equity
Capital) |
|
0.03 |
0.03 |
|
|
|
|
|
|
G-Score Ratio Liquidity (Total Current
Assets / Total Current Liabilities) |
|
1.13 |
1.80 |
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 |
|
|
INR
In Million |
INR
In Million |
|
|
Share Capital |
|
0.100 |
0.100 |
|
Reserves & Surplus |
|
0.004 |
0.016 |
|
Money received against share
warrants |
|
0.000 |
0.000 |
|
Share Application money pending allotment |
|
0.000 |
0.000 |
|
Net
worth |
|
0.104 |
0.116 |
|
|
|
|
|
|
long-term borrowings |
|
0.003 |
0.003 |
|
Short term borrowings |
|
0.000 |
0.000 |
|
Total
borrowings |
|
0.003 |
0.003 |
|
Debt/Equity
ratio |
|
0.029 |
0.026 |
YEAR-ON-YEAR GROWTH
|
Year
on Year Growth |
|
31.03.2015 |
31.03.2016 |
|
|
|
INR
In Million |
INR
In Million |
|
Sales |
|
0.138 |
2.696 |
|
|
|
|
1853.623 |
NET PROFIT MARGIN
|
Net
Profit Margin |
|
31.03.2015 |
31.03.2016 |
|
|
|
INR
In Million |
INR
In Million |
|
Sales |
|
0.138 |
2.696 |
|
Profit |
|
0.004 |
0.012 |
|
|
|
2.90% |
0.45% |
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 |
Yes |
|
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) |
No |
|
16] |
No. of employees |
Yes |
|
17] |
Details of sister concerns |
No |
|
18] |
Major suppliers |
No |
|
19] |
Major customers |
No |
|
20] |
Banking Details |
No |
|
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 |
No |
|
26] |
Turnover of firm for last two years |
Yes |
|
27] |
Reasons for variation <> 20% |
-- |
|
28] |
Estimation for coming financial year |
No |
|
29] |
Profitability for last two 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 |
Note:
The Registered Office of the company has been shifted from 7/11, South
Patel Nagar, New Delhi – 110008, India to the present address
UNSECURED LOAN
|
PARTICULARS |
31.03.2016 (INR
in Million) |
31.03.2015 (INR
in Million) |
|
Loans and advance from related party
|
0.003 |
0.003 |
|
|
|
|
|
Total |
0.003 |
0.003 |
INDEX OF CHARGES: NO CHARGES EXISTS FOR COMPANY
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
|
INR |
|
US Dollar |
1 |
INR 64.28 |
|
|
1 |
INR 89.02 |
|
Euro |
1 |
INR 78.93 |
INFORMATION DETAILS
|
Information
Gathered by : |
PUJ |
|
|
|
|
Analysis Done by
: |
NYT |
|
|
|
|
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 |
NO |
|
--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.