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Malhotra Constructions Private Limited February 28, 2019 Ratings Amount Facilities Rating1 Rating Action (Rs

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Malhotra Constructions Private Limited February 28, 2019 Ratings Amount Facilities Rating1 Rating Action (Rs Rationale-Press Release Malhotra Constructions Private Limited February 28, 2019 Ratings Amount Facilities Rating1 Rating Action (Rs. crore) CARE B+; Stable Long-term Bank Facilities 3.00 Reaffirmed (Single B Plus; Outlook: Stable) CARE A4 Short-term Bank Facilities 11.00 Reaffirmed (A Four) 14.00 Total Facilities (Rupees Fourteen crore only) Details of instruments/facilities in Annexure-1 Detailed Rationale & Key Rating Drivers The ratings assigned to the bank facilities of Malhotra Constructions Private Limited (MCP) continued to be constrained by its small scale of operations, leveraged capital structure and working capital intensive nature of operations. The ratings are further constrained by fragmented nature of the construction sector. The ratings, however, derive strength from experienced promoters in the construction industry, moderate order book position, moderate profitability margins and positive outlook for construction industry. Going forward, the ability of the company to successfully execute projects in time and recover contract proceeds and scale up its operations while maintaining its profitability margins would remain the key rating sensitivities. Detailed description of the key rating drivers Key Rating Weaknesses Small scale of operations The total operating income of the company decreased from Rs. 14.13 crore in FY17 to 10.58 crore in FY18 (refers to period from April 1 to March 31) due decline in orders received from customers and the same stood small. The small scale limits the company’s financial flexibility in times of stress and deprives it of scale benefits. Furthermore, the company has reported total operating income of Rs. 6.00 crore in 10FY19 (Provisional). Leveraged capital structure and weak total debt to GCA ratio The capital structure of the company stood moderately leveraged marked by overall gearing ratio of 1.41x as on March 31, 2018. The same improved from 1.93x as on March 31, 2018 mainly due to gradual repayment of term loans and unsecured loans coupled with lower utilization of the working capital limits as on last balance sheet as compared to previous year. Furthermore, the interest coverage ratio remained moderate at 1.56x in FY18 as compared to 1.58x in FY17. However, the total debt to GCA ratio stood weak at 13.35x for FY18. The total debt to GCA ratio marginally improved from 13.60x for FY17 due to decrease in debt levels of the company in FY18. Working capital intensive nature of operations The average operating cycle of the company stood elongated at 166 days for FY17 (PY: 135 days) mainly due to high inventory period. The company receives payment from the client on percentage of completion basis. Nearly 90% of the bill amount raised by the company is received within 1-1.5 months while the remaining amount is received after competition of the contract resulting in average collection period of 29 days for FY18 (PY: 26 days). The company receives average credit period of around three months from its suppliers of raw materials, however, payment period stood high for FY18 due to higher stock of raw material purchased in March, 2018 for orders to be executed going ahead resulting in average creditor period of 104 days for FY18 (PY: 81 days). Consequently and due to high work in progress inventory, the average inventory period stood high at 241 days for FY18 (PY: 190 days). The working capital limit stood fully utilized and bank guarantee utilization remained ~75% for the last 12 months period ended January, 2019. The liquidity position of the company stood moderate marked by current ratio of 1.65x and quick ratio of 0.77x as on March 31, 2018. The company had free cash and bank balance of Rs.0.16 crore as on March 31, 2018. Fragmented nature of the construction sector albeit improving growth prospects The construction sector in India is highly fragmented with a large number of small and mid-sized players. This coupled with tendering process in order procurement results into intense competition within the industry. Additionally, continued increase in execution challenges including regulatory clearances and elongated working capital cycle due to longer gestation period of the projects collectively put pressure on the credit profile of the players. Despite these road blocks faced by the industry, the sector is expected to grow, given huge economic significance associated with it and rising investor interest. 1Complete definitions of the ratings assigned are available at www.careratings.com and in other CARE publications. 1 CARE Ratings Limited Rationale-Press Release Also, the outlook for Indian construction sector continues to be stable in the medium to long-term on account of increased thrust of Government on development of infrastructure to support economic growth. Key Rating Strengths Experienced promoters in the construction industry MCP is engaged in the civil construction work and is managed by Mr. Rajesh Malhotra, Mr. Vinay Malhotra and Mrs. Manisha Malhotra. Mr. Rajesh Malhotra has around three and a half decades of experience in construction industry gained through his association with MCP and Malhotra Constructions (operations discontinued). Whereas, Mrs. Manisha Malhotra and Mr. Kusum Vinay Malhotra have 10 years and 9 years of experience respectively in the construction industry gained through their alliance with MCP only. Apart from this, the promoters are engaged in another group concern namely, Kay Vee Infra Projects Private Limited (KVI), incorporated in 2010 and engaged in similar business. Additionally, the promoters are supported by a team of experienced and qualified professionals having varied experience in the technical, finance and marketing fields. Moderate order book position The company has a comfortable order book position with outstanding order book of Rs. 33.00 crore as on February 20, 2019, to be executed by September, 2019. The current order book of the company is ~3.30x times of the revenue for FY18. The order book of the company comprises orders in relatively early stages of execution, which provides sufficient visibility on the revenue stream. The order book of the company is also well diversified. Moderate profitability margins The profitability margins marked by PBILDT margin and PAT margin of the company stood moderate at 14.16% and 2.42%, respectively, in FY18. The PBILDT margin improved from 13.20% in FY17 mainly due to execution of contracts having better margins. Consequently, the PAT margin also improved from 2.25% in FY17 to 2.42% in FY18. Analytical approach: Standalone Applicable Criteria CARE’s Criteria on assigning Outlook to Credit Ratings CARE’s Policy on Default Recognition CARE’s methodology for manufacturing companies Financial ratios –Non-Financial Sector Criteria for Short Term Instruments About the Company Malhotra Constructions Private Limited (MCP) was incorporated in 1989 as a private limited company and is currently being managed by Mr. Rajesh Malhotra, Mr. Vinay Malhotra and Mrs. Manisha Malotra. MCP is engaged in civil construction work for public sector undertakings, central government and state government departments in Uttar Pradesh and Haryana which includes construction of buildings like hospitals, educational institutes, bus terminals, housing board flats, mini secretariats etc. The company is registered as a Class ‘A’ civil contractor with Public Works Department (PWD) of Haryana, U.P. State Construction and Infrastructure Development Corporation Limited (UPSCIDC) and Defence Research and Development Organisation (DRDO). Brief Financials (Rs. crore) FY17 (A) FY18(A) Total operating income 14.43 10.58 PBILDT 1.90 1.50 PAT 0.32 0.26 Overall gearing (times) 1.17 1.41 Interest coverage (times) 1.58 1.56 A: Audited Status of non-cooperation with previous CRA: Not Applicable Any other information: Not Applicable Rating History for last three years: Please refer Annexure-2 Note on complexity levels of the rated instrument: CARE has classified instruments rated by it on the basis of complexity. This classification is available at www.careratings.com. Investors/market intermediaries/regulators or others are welcome to write to [email protected] for any clarifications. 2 CARE Ratings Limited Rationale-Press Release Analyst Contact: Name: Mr Achin Nirwani Tel: 01145-333228 Email: [email protected] About CARE Ratings: CARE Ratings commenced operations in April 1993 and over two decades, it has established itself as one of the leading credit rating agencies in India. CARE is registered with the Securities and Exchange Board of India (SEBI) and also recognized as an External Credit Assessment Institution (ECAI) by the Reserve Bank of India (RBI). CARE Ratings is proud of its rightful place in the Indian capital market built around investor confidence. CARE Ratings provides the entire spectrum of credit rating that helps the corporates to raise capital for their various requirements and assists the investors to form an informed investment decision based on the credit risk and their own risk-return expectations. Our rating and grading service offerings leverage our domain and analytical expertise backed by the methodologies congruent with the international best practices. Disclaimer CARE’s ratings are opinions on credit quality and are not recommendations to sanction, renew, disburse or recall the concerned bank facilities or to buy, sell or hold any security. CARE has based its ratings/outlooks on information obtained from sources believed by it to be accurate and reliable. CARE does not, however, guarantee the
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