MIRA INFORM REPORT

Report Date :

22.09.2011

IDENTIFICATION DETAILS

Name :	SHRI MAHABIR DYEING AND PRINTING MILLS PRIVATE LIMITED
Registered Office :	510/511, Kakad Market, 306, Kalbadevi Road, Mumbai – 400 002, Maharashtra
Country :	India
Financials (as on) :	31.03.2010
Date of Incorporation :	29.09.1982
Com. Reg. No.:	11-028343
Capital Investment / Paid-up Capital :	Rs.60.000 millions
CIN No.: [Company Identification No.]	U17120MH1982PTC028343
TAN No.: [Tax Deduction & Collection Account No.]	MUMS37977C
PAN No.: [Permanent Account No.]	AAACM5098H
Legal Form :	Private Limited Liability Company
Line of Business :	Manufacturer and Exporter of Textile Fabric.
No. of Employees :	300 (Approximately)

RATING & COMMENTS

MIRA’s Rating :

Ba (46)

RATING		STATUS	PROPOSED CREDIT LINE
41-55	Ba	Overall operation is considered normal. Capable to meet normal commitments.	Satisfactory

Maximum Credit Limit :	USD 498000
Status :	Satisfactory
Payment Behaviour :	Usually Correct
Litigation :	Clear
Comments :	Subject is an established company having satisfactory track. Trade relations are reported as fair. Business is active. Payments are reported to be usually correct and as per commitments. The company can be considered normal for business dealings at usual trade terms and conditions. Profit and loss account for the current year is not available.

NOTES :

Any query related to this report can be made on e-mail : infodept@mirainform.com while quoting report number, name and date.

INFORMATION PARTED BY

Name :	Mr. Pushkar Joshi
Designation :	Accountant
Contact No.:	91-9324269050
Date :	21.09.2011

LOCATIONS

Registered Office :	510/511, Kakad Market, 306, Kalbadevi Road, Mumbai – 400 002, Maharashtra, India
Tel. No.:	91-22-65201355
Mobile No.:	91-9324269050 (Mr. Pushkar Joshi) 91-9820565294 (Mr. Shriprakash Singh)
Fax No.:	91-22-22082059
E-Mail :	roc@sara-india.com mahabirdyeing@yahoo.com
Area :	500 sq ft
Location :	Owned
Factory :	Located at: v Dombivli, Maharashtra, India
Location :	Owned

DIRECTORS

As on 30.09.2010

Name :

Mr. Subhash Kumar Mahabir Prasad Ganeriwal

Designation :

Director

Address :

Mahabir Sadan, 3^rd Floor, N.S. Road No.1, JVPD Scheme, Mumbai – 400 049, Maharashtra, India

Date of Birth/Age :

15.07.1958

Date of Appointment :

01.03.2005

DIN No.:

00080638

Other Directorship:

S.No.	CIN	Name of the Company	Current designation of the director	Date of appointment at current designation	Original date of appointment	Date of cessation	Company Status	Defaulting status
1	U17120MH1982PTC028343	Shri Mahabir Dyeing and Printing Mills Private Limited	Director	01-03-05	01-03-05	-	Active	NO
2	U17110MH1992PTC067133	Arvind Yarns Private Limited	Director	11-04-05	11-04-05	-	Active	NO

Name :

Mr. Shriprakash Ramavadh Singh

Designation :

Director

Address :

3/1, Sai Chhaya Society, B-4, R-10, Haji Malang Road, Near Chetna High School, Kalyan (East), Thane – 421 306, Maharashtra, India

Date of Birth/Age :

29.03.1955

Date of Appointment :

21.11.2001

DIN No.:

00102239

Other Directorship:

S.No.	CIN	Name of the Company	Current designation of the director	Date of appointment at current designation	Original date of appointment	Date of cessation	Company Status	Defaulting status
1	U51311MH1991PTC060510	Blue Nile Traders Private Limited	Director	05-01-00	05-01-00	-	Active	NO
2	U17120MH1982PTC028343	Shri Mahabir Dyeing and Printing Mills Private Limited	Director	21-11-01	21-11-01	-	Active	NO

Name :

Mr. Naresh Kumar Vasudev Agarwal

Designation :

Director

Address :

51, Sea Breeze, 12, Juhu Tara Road, Santacruz (West0< Mumbai – 400 049, Maharashtra, India

Date of Birth/Age :

01.02.1954

Date of Appointment :

18.03.2002

DIN No.:

00420966

Other Directorship:

S.No.	CIN	Name of the Company	Current designation of the director	Date of appointment at current designation	Original date of appointment	Date of cessation	Company Status	Defaulting status
1	U27100MH1985PLC037513	Shree Durga Iron and Steel Company Limited	Director	17-09-85	17-09-85	22-03-07	Active	NO
2	U17120MH1982PTC028343	Shri Mahabir Dyeing And Printing Mills Private Limited	Director	18-03-02	18-03-02	-	Active	NO
3	U70102MH2010PTC205567	Sudarshan Infracon Private Limited	Director	16-03-11	16-03-11	-	Active	NO
4	U70100MH2011PTC218005	Navprabhat Infracon Private Limited	Director	27-05-11	27-05-11	-	Active	NO
5	U51101MH2011PTC218466	Vikalp Ispat Private Limited	Director	09-06-11	09-06-11	-	Active	NO
6	U51420MH2011PTC218493	Sandesh Ispat Private Limited	Director	09-06-11	09-06-11	-	Active	NO
7	U70101MH2011PTC218779	Navprabhat Projects Private Limited	Director	17-06-11	17-06-11	-	Active	NO

Name :

Mr. Manish Kishore Sanghvi

Designation :

Director

Address :

7, Dayal Mansion, Anant Gokhale Road, Dadar (West), Mumbai – 400 028, Maharashtra, India

Date of Birth/Age :

26.11.1956

Date of Appointment :

05.07.2003

DIN No.:

00082554

Other Directorship:

S.No.	CIN	Name of the Company	Current designation of the director	Date of appointment at current designation	Original date of appointment	Date of cessation	Company Status	Defaulting status
1	U51311MH1991PTC060510	Blue Nile Traders Private Limited	Director	12-03-01	12-03-01	-	Active	NO
2	U17120MH1982PTC028343	Shri Mahabir Dyeing and Printing Mills Private Limited	Director	05-07-03	05-07-03	-	Active	NO

Name :

Mrs. Saroj Devi Subhash Kumar Ganeriwal

Designation :

Director

Address :

Mahabir Sadan, 3^rd Floor, N.S. Road No.1, JVPD Scheme, Mumbai – 400 049, Maharashtra, India

Date of Birth/Age :

12.10.1983

Date of Appointment :

02.08.2010

DIN No.:

00082494

Other Directorship:

S.No.	CIN	Name of the Company	Current designation of the director	Date of appointment at current designation	Original date of appointment	Date of cessation	Company Status	Defaulting status
1	U17120MH1982PTC028343	Shri Mahabir Dyeing and Printing Mills Private Limited	Director	01-03-05	01-03-05	-	Active	NO

Name :

Ms. Nishi Subhash Kumar Ganeriwal

Designation :

Director

Address :

Mahabir Sadan, 3^rd Floor, N.S. Road No.1, JVPD Scheme, Mumbai – 400 049, Maharashtra, India

Date of Birth/Age :

12.10.1983

Date of Appointment :

02.08.2010

DIN No.:

00082681

Other Directorship:

S.No.	CIN	Name of the Company	Current designation of the director	Date of appointment at current designation	Original date of appointment	Date of cessation	Company Status	Defaulting status
1	U17110MH1992PTC067133	Arvind Yarns Private Limited	Director	01-03-05	01-03-05	-	Active	NO
2	U17120MH1982PTC028343	Shri Mahabir Dyeing and Printing Mills Private Limited	Director	02-08-10	02-08-10	-	Active	NO

KEY EXECUTIVES

Name :	Mr. Pushkar Joshi
Designation :	Accountant

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

As on 30.09.2010

Names of Shareholders	No. of Shares
Mahabir Prasad Subhash Kumar Ganeriwal HUF	26160
Saroj Devi Ganeriwal	984080
Subhash Kumar Ganeriwal	915980
Subhash Kumar Mahabir Prasad Ganeriwal HUF	286940
Prachi Ganeriwal	88000
Nishi Ganeriwal	420930
Megha Ganeriwal	623940
Arjun Ganeriwal	656300
Sanjay Maheshka	200
Sandeep Kumar Hisaria	2000
Shankarlal Kejriwal	50
Anup Agarwal	50
Varsha Goenka	50
Blue Nile Traders Private Limited, India	1995320
Total	6000000

As on 30.09.2010

Equity Share Breakup	Percentage of Holding
Category
Bodies corporate	32.25
Directors or relatives of directors	67.75
Total	100.00

BUSINESS DETAILS

Line of Business :

Manufacturer and Exporter of Textile Fabric.

Products :

Item Code No. (ITC Code)	520831
Product Description	Dyed Fabrics
Item Code No. (ITC Code)	520811
Product Description	Cotton Saree

Exports :

Products :

Textile Fabric

Countries :

Dubai

PRODUCTION STATUS (AS ON 31.03.2010)

a) Class of goods manufactured: Dyed Cambric Voile and printed sarees

b) Licensed Capacity: Not applicable

c) Installed Capacity: 100000 Mtrs. per day

Particulars	Unit	Actual Production
Cloth Fabrics	MTRS	26552640

GENERAL INFORMATION

Customers :

Wholesalers

No. of Employees :

300 (Approximately)

Bankers :

v Allahabad Bank, Fort Branch, Ground Floor, 37, Mumbai Samachar Marg, Mumbai – 400 023, Maharashtra, India

v HDFC Bank Limited

Facilities :

Secured Loans	31.03.2010 Rs. In Millions	31.03.2009 Rs. In Millions
Allahabad Bank (Cash Credit Facility)	199.880	149.700
HDFC Bank Limited (Vehicle Loan) (Secured against hypothecation of vehicles) [Repayable within 1 year Rs.0.199 million (previous year Rs.0.276 millions)]	0.199	0.476
Kotak Mahindra Prime Limited (Vehicle Loan) (Secured against hypothecation of vehicles) [Repayable within 1 year Rs.0.086 million (previous year Rs.0.078 millions)]	0.133	0.211
Total	200.212	150.387

Notes:

CASH CREDIT FROM ALLAHABAD BANK:

Cash Credit facility secured by way of hypothecation charge on the entire stock, book debts and other current assets of the company (Present and Future).

Equitable Mortgage of Properties detailed as under;

Property owned by the company

Industrial Unit at Plot No.F-36, Phase-II, MIDC, Dombivali (East), District Thane

Office Premises at 510/511, Kakad Market, Mumbai

Hypothecation on Plant and Machinery WDV as on 31.03.2008 Rs.15.061 millions

Property owned by Arvind Yarns Private Limited

Plot No.TS-11 and TS-11 (Part) Phase-I, MIDC, Dombivali (East)

Property owned by Director Subhash Kumar Ganeriwal

Office Premises at Om Mani CHS Limited, Kalbadevi, Mumbai

Assignment of Life Insurance Policies with Current SV Rs.6.375 millions.

The above facilities are guarantees by Arvind Yarns Private Limited, Director Mr. Subhash Kumar Ganeriwal and Saroj Devi Ganeriwal.

Unsecured Loans	31.03.2010 Rs. In Millions	31.03.2009 Rs. In Millions
From Directors, Relatives and Share Holders	91.436	103.580
From Body Corporate	2.000	2.000
Total	93.436	105.580

Banking Relations :	--
Auditors :
Name :	S A R A and Associates Chartered Accountants
Address :	1^st Floor, Peekay Mansion, 470, J.S.S. Road, Chira Bazar, Mumbai – 400 002, Maharashtra, India
Tel. No.:	91-22-22000271 (8 Lines)
Fax No.:	91-22-22091106
E-Mail :	sara_ca@vsnl.net
Income-tax PAN of auditor or auditor's firm :	AAPFS0971H
Associate Company/ firm or entities where key management personnel are able to exercise significant influence :	v Arvind Yarns Private Limited v Blue Nile Traders Private Limited v V.S. Fabrics

CAPITAL STRUCTURE

As on 31.03.2010

Authorised Capital :

No. of Shares	Type	Value	Amount
6000000	Equity Shares	Rs.10/- each	Rs.60.000 millions

Issued, Subscribed & Paid-up Capital :

No. of Shares	Type	Value	Amount
6000000	Equity Shares	Rs.10/- each	Rs.60.000 millions

FINANCIAL DATA

[all figures are in Rupees Millions]

ABRIDGED BALANCE SHEET

SOURCES OF FUNDS		31.03.2010	31.03.2009	31.03.2008
SHAREHOLDERS FUNDS
1] Share Capital		60.000	60.000	60.000
2] Share Application Money		0.000	0.000	0.000
3] Reserves & Surplus		64.530	53.812	44.546
4] (Accumulated Losses)		0.000	0.000	0.000
NETWORTH		124.530	113.812	104.546
LOAN FUNDS
1] Secured Loans		200.212	150.387	151.039
2] Unsecured Loans		93.436	105.580	103.299
TOTAL BORROWING		293.648	255.967	254.338
DEFERRED TAX LIABILITIES		0.865	1.024	1.338
TOTAL		419.043	370.803	360.222
APPLICATION OF FUNDS
FIXED ASSETS [Net Block]		28.726	29.393	32.915
Capital work-in-progress		0.000	0.000	0.000
INVESTMENT		0.000	0.000	0.000
DEFERRED TAX ASSETS		0.000	0.000	0.000
CURRENT ASSETS, LOANS & ADVANCES
	Inventories	255.232	180.554	205.456
	Sundry Debtors	266.715	216.951	183.486
	Cash & Bank Balances	5.337	1.400	1.608
	Other Current Assets	0.000	0.000	0.000
	Loans & Advances	26.954	25.765	27.585
Total Current Assets		554.238	424.670	418.135
Less : CURRENT LIABILITIES & PROVISIONS
	Sundry Creditors	161.053	80.651	88.301
	Other Current Liabilities	2.910	2.643	2.653
	Provisions	0.000	0.050	0.000
Total Current Liabilities		163.963	83.344	90.954
Net Current Assets		390.275	341.326	327.181
MISCELLANEOUS EXPENSES		0.042	0.084	0.126
TOTAL		419.043	370.803	360.222

PROFIT & LOSS ACCOUNT

	PARTICULARS		31.03.2010	31.03.2009	31.03.2008
	SALES
		Income	NA	688.181	NA
		Other Income	NA		NA
		TOTAL	NA	688.181	NA
Less	EXPENSES
		Office Expenses	NA	673.629	NA
		Administrative Expenses	NA		NA
		Advertising Expenses	NA		NA
		TOTAL	NA	673.629 (including depreciation)	NA
	PROFIT BEFORE TAX, DEPRECIATION AND AMORTISATION		NA	NA	16.729
Less/ Add	DEPRECIATION/ AMORTISATION		NA	NA	3.506
	PROFIT BEFORE TAX		NA	14.552	13.223
Less	TAX		NA	5.356	4.503
	PROFIT AFTER TAX		10.718	9.196	8.720
	EARNINGS IN FOREIGN CURRENCY
		Sales (FOB)	7.940	8.801	4.938
	TOTAL EARNINGS		7.940	8.801	4.938
	Earnings Per Share (Rs.)		1.79	1.53	1.45

Particulars	31.03.2011	31.03.2010
Sales Turnover (Approximately)	900.000	800.000

The above information has been parted by Mr. Pushkar Joshi (Accountant).

KEY RATIOS

PARTICULARS		31.03.2010	31.03.2009	31.03.2008
PAT / Total Income	(%)	NA	1.34	NA
Return on Total Assets (PBT/Total Assets}	(%)	NA	3.20	2.93
Return on Investment (ROI) (PBT/Networth)		NA	0.13	0.13
Debt Equity Ratio (Total Liability/Networth)		3.67	2.98	3.30
Current Ratio (Current Asset/Current Liability)		3.38	5.10	4.60

LOCAL AGENCY FURTHER INFORMATION

Details of Sundry Creditors:

Particulars	31.03.2010 (Rs. in millions)	31.03.2009 (Rs. in millions)	31.03.2008 (Rs. in millions)
Sundry Creditors
- For Goods	140.042	62.650	72.385
- For Expenses	14.775	12.438	11.375
- For Agents	6.236	5.563	4.541
Total	161.053	80.651	88.301

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	Yes
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	Yes
12) Profitability for last three years	--
13) Reasons for variation <> 20%	--
14) Estimation for coming financial year	Yes
15) Capital in the business	Yes
16) Details of sister concerns	Yes
17) Major suppliers	--
18) Major customers	Yes
19) Payments terms	Yes
20) Export / Import details (if applicable)	Yes
21) Market information	--
22) Litigations that the firm / promoter involved in	--
23) Banking Details	Yes
24) Banking facility details	Yes
25) Conduct of the banking account	--
26) Buyer visit details	--
27) Financials, if provided	--
28) Incorporation details, if applicable	--
29) Last accounts filed at ROC	--
30) Major Shareholders, if available	--

FORM 8:

Corporate identity number of the company	U17120MH1982PTC028343
Name of the company	SHRI MAHABIR DYEING AND PRINTING MILLS PRIVATE LIMITED
Address of the registered office or of the principal place of business in India of the company	510/511, Kakad Market, 306, Kalbadevi Road, Mumbai – 400 002, Maharashtra, India E-Mail: mahabirdyeing@yahoo.com
This form is for	Creation of charge
Type of charge	Book Debts Movable Property
Particular of charge holder	Allahabad Bank, Fort Branch, Ground Floor, 37, Mumbai Samachar Marg, Mumbai – 400 023, Maharashtra, India E-Mail: arun.govil@gmail.com
Nature of description of the instrument creating or modifying the charge	General letter of hypothecation
Date of instrument Creating the charge	30.03.2010
Amount secured by the charge	Rs.20.000 millions
Brief particulars of the principal terms an conditions and extent and operation of the charge	Rate of Interest: Floating rate @ 1% p.a. over the Allahabad Bank's ongoing BPLR, rising and falling,(which is currently 12% pa) subject to a minimum of 13% p.a. with monthly rests. Interest is payable monthly. Terms of Repayment: On demand / Annual Review / Periodical Review. Margin: Stock-25% and Book Debts -40% upto 90 days Extent and Operation of the charge: Exclusive First Charge by way of Hypothecation on movable assets. Others: Limits covered Cash Credit (Adhoc) - Rs.20.000 millions
Short particulars of the property charged	Hypothecation of Stocks and Book Debts, Plant and machinery.

TRADE REFERENCES:

v Kailash and Company

CONTINGENT LIABILITY: (As on 31.03.2010)

I. Co-applicant for Home finance taken by one of the director outstanding as on 31.03.2010 Rs.40.700 millions.

II. Disputed Water Charges Dues Rs.7.129 millions

FIXED ASSETS:

v Leasehold Land

v Office Premises

v Holiday Resorts

v Factory Building

v Plant and Machinery

v Office Equipment

v Air Conditioners

v Furniture and Fixture

v Cycle

v Motor Car

v Motor Cycle

v Generator

v Trolly

v Storage Tank

v Printing Table

v Truck

v Computer

CMT REPORT (Corruption, Money Laundering & Terrorism]

The Public Notice information has been collected from various sources including but not limited to: The Courts, India Prisons Service, Interpol, etc.

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	Indian Rupees
US Dollar	1	Rs.47.89
UK Pound	1	Rs.75.31
Euro	1	Rs.65.64

SCORE & RATING EXPLANATIONS

SCORE FACTORS	RANGE	POINTS
HISTORY	1~10	6
PAID-UP CAPITAL	1~10	5
OPERATING SCALE	1~10	5
FINANCIAL CONDITION
--BUSINESS SCALE	1~10	5
--PROFITABILIRY	1~10	5
--LIQUIDITY	1~10	5
--LEVERAGE	1~10	5
--RESERVES	1~10	5
--CREDIT LINES	1~10	5
--MARGINS	-5~5	-
DEMERIT POINTS
--BANK CHARGES	YES/NO	YES
--LITIGATION	YES/NO	NO
--OTHER ADVERSE INFORMATION	YES/NO	NO
MERIT POINTS
--SOLE DISTRIBUTORSHIP	YES/NO	NO
--EXPORT ACTIVITIES	YES/NO	YES
--AFFILIATION	YES/NO	YES
--LISTED	YES/NO	NO
--OTHER MERIT FACTORS	YES/NO	YES
TOTAL		46

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 and their relative weights (as indicated through %) are as follows:

Financial condition (40%) Ownership background (20%) Payment record (10%)

Credit history (10%) Market trend (10%) Operational size (10%)

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	-

PRIVATE & CONFIDENTIAL : This information is provided to you at your request, you having employed MIPL for such purpose. You will use the information as aid only in determining the propriety of giving credit and generally as an aid to your business and for no other purpose. You will hold the information in strict confidence, and shall not reveal it or make it known to the subject persons, firms or corporations or to any other. MIPL does not warrant the correctness of the information as you hold it free of any liability whatsoever. You will be liable to and indemnify MIPL for any loss, damage or expense, occasioned by your breach or non observance of any one, or more of these conditions

This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.