Study of Preference of Customer from Organised and Unorganised Retailing

RUCHI SOYA INDUSTRIES LTD. Long- call Bank Loans / Facilities Short-term Bank Loans / Facilities sustenance APR2+ Ratings CARE assigned CARE A- (Single A Minus) rating to the long bank loans / facilities and PR2+ (PR Two Plus) rating to the short-term bank loans / facilities of Ruchi soybean plant Industries Ltd. (RSIL) for an aggregate amount of Rs.3,582.59 crore, including outstanding term loans (as on November.11, 2007) of Rs.420.59 crore, proposed term loan of Rs.349 crore, fund-based sanctioned working-capital term of Rs.750 crore and nonfund based sanctioned limit of Rs.2,063 crore. The ratings take into account the market leadership position of RSIL in the domestic edible oil market, its processing capacity which is the largest in India with a good mix of inland crushing/purgation and port-based refining units, experienced heed, increasing sh be of sales from brand products and consistent growth in profit over the furthest five years despite volatility associated with commodity prices. The ratings are constrained due to low profit margin inborn to the agrocommodity sector, seasonality associated with availability of raw materials, working-capital intensive nature of the industry, low liquidity indicators and successive debt-funded capital expenditure plans.

Improvement in financial profile through control over debt in a working-capital intensive industry and efficient commodity/forex risk management are the key rating sensitivities. Background RSIL, incorporated in January 1986, is the flagship company of the Ruchi Group of Indore. In FY06, RSIL merged operations of few of its group concerns in the same line of clientele with itself, make it one of the largest FMCG companies in India. RSIL is promoted by the Shahra family of Indore. The promoter and promoter group hold 37% in RSIL. The Ruchi Group consists of 15 companies having business interests concentrated mainly in the agro-commodities, storage infrastructure and firebrand sector. The group is into... If you want to get a full essay, regulate it on our website: Orderessay

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