MIRA
INFORM REPORT
|
Report Date : |
29.09.2011 |
IDENTIFICATION DETAILS
|
Name : |
K. K. CONCEPTS |
|
|
|
|
Registered
Office : |
03, Nemi Sagar Colony, Queens Road, Vaishali Nagar, Jaipur – 302021,
Rajasthan |
|
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|
Country : |
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|
|
|
Financials (as
on) : |
31.03.2011 |
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|
|
|
Date of
Incorporation : |
13.11.2007 |
|
|
|
|
Capital
Investment / Paid-up Capital : |
Rs.3.140 Millions |
|
|
|
|
IEC No.: |
1307012141 |
|
|
|
|
PAN No.: [Permanent Account No.] |
ALSPG8684M |
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|
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|
Legal Form : |
Sole Proprietory Concern |
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|
|
Line of Business
: |
Manufacturer and Exporter of Carpets, Garments and Other Related
Products. |
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|
|
|
No. of Employees
: |
Not Available |
RATING & COMMENTS
|
MIRA’s Rating : |
B |
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
26-40 |
B |
Capability to overcome financial difficulties seems comparatively
below average. |
Small |
|
Status : |
Moderate |
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|
Payment Behaviour : |
Unknown |
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Litigation : |
Clear |
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|
|
|
Comments : |
Subject is an established proprietory concern having moderate track.
The company management has failed to provide required document. However,
trade relations are reported as fair. Business is active. Payment terms are
unknown. It would be take advisable securities while dealing with the subject. |
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 – April 1, 2010
|
Country Name |
Previous Rating (31.12.2009) |
Current Rating (01.04.2010) |
|
|
A1 |
A1 |
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|
|
|
|
Risk Category |
ECGC
Classification |
|
Insignificant |
A1 |
|
Low |
A2 |
|
Moderate |
B1 |
|
High |
B2 |
|
Very High |
C1 |
|
Restricted |
C2 |
|
Off-credit |
D |
LOCATIONS
|
Registered Office : |
03, Nemi Sagar Colony, Queens Road, Vaishali Nagar, Jaipur – 302021,
Rajasthan |
|
Tel. No.: |
91-141-2245004 |
|
Fax No.: |
91-141-2355913 |
|
E-Mail : |
|
|
Location : |
Rented |
SOLE PROPRIETOR
|
Name : |
Mrs. Darshana Devi Garg |
|
Designation : |
Proprietor |
|
Date of Birth/ Age : |
62 years |
BUSINESS DETAILS
|
Line of Business : |
Manufacturer and Exporter of Carpets, Garments and Other Related
Products. |
|
|
|
|
Exports : |
|
|
Products : |
Indian Hand Made Carpets |
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|
|
|
Terms : |
|
|
Purchasing : |
Credit (30 days) |
GENERAL INFORMATION
|
Customer : |
· Club House Italy · Eastern Oriental Rug Centre · Goodriders Investment LT · Lege Alto · Modern Carpet Russia · Persian Bokara Rugs Company · Selvi Haliclick TC San Limited · Tibetain Carpet Limited · Export Inspection Agency |
|
|
|
|
Suppliers : |
· Ajay Arts · Ajay Enterprises · Ansari Rugs Bazar · Arihant Plastics · Bhat Carpet Factory · Bokhara Palace Private Limited · Choudhary Exports · Continental Carriers Private Limited · EMU Lined Private Limited · Gupta Carpet · Himalaya Enterprises · Interactive Tour to India Private Limited · Irfan Oriental Rugs · Mangal Crafts · Mangal Exports · Mayur Travels · Overseas Carpets Limited · R J Trade Wings Private Limited · Seeta Exports · Shradha Silks · Shree Vardhman Exim |
|
|
|
|
No. of Employees : |
Not Available |
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|
|
|
Bankers : |
· Indian Overseas Bank · Axis Bank · Indusind Bank · Punjab National Bank, Delhi · State Bank of India, Mumbai |
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|
|
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Banking
Relations : |
-- |
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|
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Auditors : |
|
|
Name : |
Ras and Associates Chartered Accountant |
|
Address : |
E-783, Avadhpuri, Lal Kothi Yojna, Tonk Road, Jaipur – 302015,
Rajasthan, India |
|
Tel. No.: |
91-141-5124575/ 2742236 |
|
Email : |
CAPITAL STRUCTURE
CAPITAL ACCOUNTS
(RS.
IN MILLIONS)
|
Particulars |
31.03.2011 |
Particulars |
31.03.2011 |
|
|
|
|
|
|
To Withdrawal |
0.686 |
By Opening Balance |
3.132 |
|
To Income Tax |
0.053 |
By Profit from K K concepts |
0.757 |
|
To Met Life |
0.012 |
By Addition Of CAP |
0.002 |
|
|
|
|
|
|
To closing
Balance C/B |
3.140 |
|
|
|
|
|
|
|
|
Total |
3.891 |
|
3.891 |
------------------------------------------------------------------------------------------------------------------------------
FINANCIAL DATA
[all figures are
in Rupees Millions]
Note : Sole Proprietory and Partnership concerns are
exempted from filing their financials with the Government Authorities or
Registry Records.
ABRIDGED BALANCE
SHEET
|
SOURCES OF FUNDS |
31.03.2011 |
31.03.2010 |
31.03.2009 |
|
|
SHAREHOLDERS FUNDS |
|
|
|
|
|
1] Share Capital |
3.140 |
3.131 |
1.628 |
|
|
2] Share Application Money |
0.000 |
0.000 |
0.000 |
|
|
3] Reserves & Surplus |
0.000 |
0.000 |
0.000 |
|
|
4] (Accumulated Losses) |
0.000 |
0.000 |
0.000 |
|
|
NETWORTH |
3.140 |
3.131 |
1.628 |
|
|
LOAN FUNDS |
|
|
|
|
|
1] Secured Loans |
7.359 |
6.500 |
0.885 |
|
|
2] Unsecured Loans |
5.963 |
0.050 |
1.729 |
|
|
TOTAL BORROWING |
13.322 |
6.550 |
2.614 |
|
|
DEFERRED TAX LIABILITIES |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
16.462 |
9.681 |
4.242 |
|
|
|
|
|
|
|
|
APPLICATION OF FUNDS |
|
|
|
|
|
|
|
|
|
|
|
FIXED ASSETS [Net Block] |
1.598 |
0.453 |
0.305 |
|
|
Capital work-in-progress |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
INVESTMENT |
0.003 |
0.003 |
1.103 |
|
|
DEFERREX TAX ASSETS |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
CURRENT ASSETS, LOANS & ADVANCES |
|
|
|
|
|
|
Inventories |
16.130
|
9.293 |
6.079 |
|
|
Sundry Debtors |
(4.363)
|
2.824 |
6.562 |
|
|
Cash & Bank Balances |
1.459
|
0.198 |
0.193 |
|
|
Other Current Assets |
2.125
|
1.042 |
0.463 |
|
|
Loans & Advances |
4.965
|
3.500 |
1.681 |
|
Total
Current Assets |
20.316
|
16.857 |
14.978 |
|
|
Less : CURRENT
LIABILITIES & PROVISIONS |
|
|
|
|
|
|
Sundry Creditor |
5.204
|
7.481 |
11.949 |
|
|
Other Current Liabilities |
0.212
|
0.122 |
0.179 |
|
|
Provisions |
0.039
|
0.029 |
0.016 |
|
Total
Current Liabilities |
5.455
|
7.632 |
12.144 |
|
|
Net Current Assets |
14.861
|
9.225 |
2.834 |
|
|
|
|
|
|
|
|
MISCELLANEOUS EXPENSES |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
16.462 |
9.681 |
4.242 |
|
PROFIT & LOSS
ACCOUNT
|
|
PARTICULARS |
31.03.2011 |
31.03.2010 |
31.03.2009 |
|
|
|
SALES |
|
|
|
|
|
|
|
Income |
52.877 |
47.187 |
23.824 |
|
|
|
Other Income |
5.394 |
4.435 |
2.951 |
|
|
|
TOTAL |
58.271 |
51.622 |
26.775 |
|
|
|
|
|
|
|
|
Less |
EXPENSES |
|
|
|
|
|
|
|
Cost of Goods Sold |
45.912 |
43.745 |
20.809 |
|
|
|
Carpet Weaving Expenses |
0.213 |
0.714 |
0.952 |
|
|
|
Finishing and Washing Charges |
0.389 |
0.000 |
0.000 |
|
|
|
Business Promotion Expenses |
0.245 |
0.000 |
0.000 |
|
|
|
Fair and Exhibition Charges |
3.351 |
1.346 |
0.826 |
|
|
|
Freight and Forwarding Charges |
0.551 |
0.006 |
0.000 |
|
|
|
Printing and Stationery Expenses
|
0.095 |
0.016 |
0.016 |
|
|
|
Rent Expenses |
0.111 |
0.000 |
0.101 |
|
|
|
Repairs and Maintenance Expenses |
0.209 |
0.074 |
0.053 |
|
|
|
Salary and Wages |
2.250 |
1.636 |
1.231 |
|
|
|
Tour and Travelling Expenses |
1.120 |
0.865 |
0.577 |
|
|
|
Other Expenses |
2.801 |
2.146 |
1.630 |
|
|
|
TOTAL |
57.247 |
50.548 |
26.195 |
|
|
|
|
|
|
|
|
|
PROFIT
BEFORE TAX, DEPRECIATION AND AMORTISATION |
1.024 |
1.074 |
0.580 |
|
|
|
|
|
|
|
|
|
Less/ Add |
DEPRECIATION/
AMORTISATION |
0.267 |
0.089 |
0.077 |
|
|
|
|
|
|
|
|
|
|
NET PROFIT |
0.757 |
0.985 |
0.503 |
|
KEY RATIOS
|
PARTICULARS |
|
31.03.2011 |
31.03.2010 |
31.03.2009 |
|
PAT / Total Income |
(%) |
1.30
|
1.91 |
1.88 |
|
|
|
|
|
|
|
Net Profit Margin (PBT/Sales) |
(%) |
1.43
|
2.09 |
2.11 |
|
|
|
|
|
|
|
Return on Total Assets (PBT/Total Assets} |
(%) |
3.45
|
5.69 |
3.29 |
|
|
|
|
|
|
|
Return on Investment (ROI) (PBT/Networth) |
|
0.24
|
0.31 |
0.31 |
|
|
|
|
|
|
|
Debt Equity Ratio (Total Liability/Networth) |
|
5.98
|
4.53 |
9.07 |
|
|
|
|
|
|
|
Current Ratio (Current Asset/Current Liability) |
|
3.72
|
2.21 |
1.23 |
LOCAL AGENCY FURTHER INFORMATION
KEY
FINANCIAL PARAMETERS
(RS.
IN MILLIONS)
|
Particulars |
31.03.2012 |
31.03.2013 |
|
|
(Estimated) |
(Projected) |
|
|
|
|
|
Net Sales |
85.500 |
103.000 |
|
Profit before interests, Lease, Depreciation and Tax (PBDILT) |
2.670 |
2.865 |
|
Interests |
1.100 |
1.150 |
|
Depreciation |
0.325 |
0.300 |
|
Profit Before Tax |
1.245 |
1.415 |
|
Profit After Tax |
1.245 |
1.415 |
|
|
|
|
|
Dividend Pay Out |
|
|
|
Paid up Capital |
3.140 |
4.235 |
|
Reserve and Surplus |
1.245 |
1.415 |
|
Tangible Networth |
4.385 |
5.650 |
|
Total Outside Liabilities |
15.905 |
16.270 |
|
Gross Block |
1.650 |
1.750 |
|
Net Block |
1.325 |
1.450 |
|
Current assets |
18.812 |
20.117 |
|
Current Liabilities |
11.905 |
12.270 |
|
Average Receivable Level |
3 Days |
3 Days |
|
Average Inventory Level |
48 Days |
40 Days |
|
Average Creditor Level |
10 Days |
7 Days |
|
Bad debts written off/ Provision for doubtful debts |
Nil |
Nil |
|
|
|
|
|
Current Ratio |
1.58 |
1.64 |
------------------------------------------------------------------------------------------------------------------------------
STATEMENT OF ASSETS AND
LIABILITIES
NAME OF THE
APPLICANT: MRS. DARSHANA DEVI GARG
(RS. IN MILLIONS)
ASSETS
IMMOVABLE PROPERTIES
|
Particulars |
Applicant |
|
|
|
|
Address of the
Property with Survey No./ Door No. etc. |
H-239, Sushant City (1/2 Shares) Plot no.E-17, Kardhari (1/2 Shares) Plot No. H238, Sushant City (1/2
Shares) |
|
|
|
|
Description: Land/ Site/ Building |
Land |
|
|
|
|
Whether Freehold / Leasehold |
Freehold |
|
|
|
|
Type of Property (Commercial/ Residential/ Agricultural) |
Residential |
|
|
|
|
Area/ Extent of Land |
385.00 sq. yard 162.00 sq. mtr. |
|
|
|
|
Mortgaged for Availing Loan is any,
details thereof |
NA |
|
|
|
|
Present
Market Assessed Value |
2.130 1.387 1.083 = Rs.4.600
Millions |
INVESTMENT IN
BUSINESS
|
Name of the Company/ Firm/ Concern in
which Investment is made |
K. K. Concepts |
|
|
|
|
Date of Investments |
13.11.2007 to 31.03.2011 |
|
|
|
|
Present
value of Investments |
Rs.3.140
Millions |
DEPOSIT HELD WITH
BANKS/ COMPANIES/ OTHER LENDER ETC.
|
Name of the Banks/ Companies/ Other
Lenders |
HDFC Bank |
|
|
|
|
Nature Deposit |
Saving A/c |
|
|
|
|
Present
Value of Deposit |
Rs.0.001 Million
|
GOVERNMENT
SECURITIES/ NSC/ NSS ETC.
|
Description |
NSC |
|
|
|
|
Present
Value of Deposit |
Rs.0.003 Million
|
LIFE INSURANCE POLICIES
|
Policy |
MET LIFE |
|
|
|
|
Policy No. |
00516663 |
|
|
|
|
Annual Premium |
0.025 |
|
|
|
|
Total
|
Rs.0.100 Million
|
OTHER ASSETS
|
Furniture an d Fixture |
0.116 |
|
|
|
|
Cash in Hand |
0.017 |
|
|
|
|
Jewellery |
0.239 |
|
|
|
|
Plant and Machinery |
-- |
|
|
|
|
Other Assets |
-- |
|
|
|
|
Total
Value of other Assets |
Rs.0.372 Million
|
|
TOTAL
ASSETS |
RS.8.216
MILLIONS |
|
NET
WORTH |
RS.8.216
MILLIONS |
------------------------------------------------------------------------------------------------------------------------------
STATEMENT OF ASSETS AND
LIABILITIES
NAME OF THE
GUARANTOR: MRS. MAMTA GARG
(RS. IN MILLIONS)
ASSETS
IMMOVABLE
PROPERTIES
|
Particulars |
Guarantor |
|
|
|
|
Address of the
Property with Survey No./ Door No. etc. |
Plot No. E-17, Kardhari, Kalwar Road, Jaipur (1/2 Shares) |
|
|
|
|
Description: Land/ Site/ Building |
Land |
|
|
|
|
Whether Freehold / Leasehold |
-- |
|
|
|
|
Type of Property (Commercial/ Residential/ Agricultural) |
Residential |
|
|
|
|
Area/ Extent of Land |
162.00 sq. mt. |
|
|
|
|
Mortgaged for Availing Loan is any,
details thereof |
NA |
|
|
|
|
Present
Market Assessed Value |
2.774 ------------- 2 = Rs.1.387
Millions |
DEPOSIT HELD WITH
BANKS/ COMPANIES/ OTHER LENDER ETC.
|
Name of the Company / firm/ Concern in
which investment is made |
Axis Bank |
|
|
|
|
Date of Investment |
29.08.2011 |
|
|
|
|
Nature Deposit |
Saving A/c |
|
|
|
|
Present
Value of Investment |
Rs.0.016 Million
|
LIFE INSURANCE
POLICIES
|
Policy |
LIC |
|
|
|
|
Annual Premium |
0.015 |
|
|
|
|
Total
|
Rs.0.060 Million
|
OTHER ASSETS
|
Furniture an d Fixture |
0.109 |
|
|
|
|
Cash in Hand |
0.039 |
|
|
|
|
Jewellery |
0.306 |
|
|
|
|
Plant and Machinery |
NA |
|
|
|
|
Other Assets |
NA |
|
|
|
|
Total
Value of other Assets |
Rs.0.454 Million
|
|
TOTAL
ASSETS |
RS.1.917
MILLIONS |
|
NET
WORTH |
RS.1.917
MILLIONS |
------------------------------------------------------------------------------------------------------------------------------
STATEMENT OF ASSETS AND
LIABILITIES
NAME OF THE GUARANTOR:
MR. KEWAL KRISHAN GARG
(RS. IN MILLIONS)
ASSETS
IMMOVABLE
PROPERTIES
|
Particulars |
Guarantor |
|
|
|
|
Address of the
Property with Survey No./ Door No. etc. |
Plot No. H-238, Sushant City, Kalwar Road, Jaipur, Rajasthan, India
(1/2 Shares) |
|
|
|
|
Description: Land/ Site/ Building |
Land |
|
|
|
|
Whether Freehold / Leasehold |
Freehold |
|
|
|
|
Type of Property (Commercial/ Residential/ Agricultural) |
Residential |
|
|
|
|
Area/ Extent of Land |
385.00 sq. yard |
|
|
|
|
Mortgaged for Availing Loan is any,
details thereof |
NA |
|
|
|
|
Present
Market Assessed Value |
2.166 ------------- 2 = Rs.1.083
Millions |
INVESTMENT IN BUSINESS
|
Name of the Company/ Firm/ Concern in
which Investment is made |
K. K. Concepts |
|
|
|
|
Present
value of Investments |
Rs.0.124 Million |
DEPOSIT HELD WITH
BANKS/ COMPANIES/ OTHER LENDER ETC.
|
Name of the Banks/ Companies/ Other
Lenders |
State Bank of Bikaner and Jaipur |
|
|
|
|
Nature Deposit |
Saving A/c |
|
|
|
|
Present
Value of Deposit |
Rs.0.015 Million
|
LIFE INSURANCE
POLICIES
|
Policy |
Birla Sun Life Insurance |
|
|
|
|
Annual Premium |
0.011 |
|
|
|
|
Total
|
Rs.0.077 Million
|
VEHICLES OWNED
|
Model/ Make |
Flat – Punto |
|
|
|
|
Present
Market Value |
Rs.0.490 Million |
OTHER ASSETS
|
Furniture an d Fixture |
0.123 |
|
|
|
|
Cash in Hand |
0.039 |
|
|
|
|
Jewellery |
0.066 |
|
|
|
|
Plant and Machinery |
NA |
|
|
|
|
Other Assets |
NA |
|
|
|
|
Total
Value of other Assets |
Rs.0.227 Million
|
|
TOTAL
ASSETS |
RS.2.016 MILLION
|
|
NET
WORTH |
RS.2.016
MILLIONS |
------------------------------------------------------------------------------------------------------------------------------
DETAILS OF
SECURITY PRIME AS WELL AS COLLATERAL OFFERED
|
Type of Security
|
Name of the Owner/
Title Holder / Insured Depositor |
Location of the
Property |
Purchases Price/
Face Value / Cost |
Market Value/
Surrender Value |
|
|
|
|
|
|
|
Land |
Darshana Devi Garg |
H-239, Sushan City, E-17, Kardhani |
2.130 1.387 |
2.130 1.387 |
|
|
|
|
|
|
|
Land |
Mamta Garg |
Plot No. E-17, Kardhani, Kalwar Road |
1.387 |
1.387 |
|
|
|
|
|
|
|
Land |
Kewal Krishan Garg |
H-238, Sushant City, Kalwar Road, Jaipur |
2.166 |
2.166 |
GUARANTOR PROPOSED
|
Name of the
Guarantor |
Age |
Occupation |
Annual Income |
|
|
|
|
|
|
Mr. Kewal Krishan Garg |
65 years |
Government Rettre |
0.400 |
|
|
|
|
|
|
Mrs. Mamta Garg |
34 years |
Services |
0.420 |
------------------------------------------------------------------------------------------------------------------------------
FIXED ASSETS
· Air Conditioner
· Carpet Loom
· Computer and Printers
· Cooler
· Electrical Fitting
· Fax Machine
· Laptop
· Mobile
· Plotter
· Refrigerator
· Sony LCD TV
· Tata Winger
· Water Filter Machine
· Weight Machine
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
|
Indian Rupees |
|
US Dollar |
1 |
Rs.48.91 |
|
|
1 |
Rs.76.53 |
|
Euro |
1 |
Rs.66.43 |
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 |
- |
This report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL)
or its officials.