Country	India
Company Name	KRISHNA ANTIOXIDANTS PRIVATE LIMITED	Principal Name 1	Mr. Anil Hariprasad Gupta
Status	Satisfactory	Principal Name 2	Mr. Krishnagopal Hariprasad Gupta
		Registration #	11-056459
Street Address	1, Oriental Apartments, Jeevan Bimanagar, Opposite LIC, Shopping Centre, Borivali (West), Mumbai – 400 003, Maharashtra, India
Established Date	08.05.1990	SIC Code	--
Telephone#	91-22-28952367	Business Style 1	Manufacturer
Fax #	91-22-28910320	Business Style 2	Exporter
Homepage	http://www.krishnaantioxidants.com	Product Name 1	Speciality Chemicals
# of employees	100 (Approximately)	Product Name 2	Industrial Chemical
Paid up capital	Rs.10,000,000/-	Product Name 3	--
Shareholders	Directors or relatives of Directors – 100 %	Banking	Bank of Baroda
Public Limited Corp.	No	Business Period	22 Years
IPO	No	International Ins.	--
Public Enterprise	No	Rating	Ba (44)
Related Company
Relation	Country	Company Name	CEO
Sister Concerns	--	Akrud Chemicals Private Limited	--
Note	--

2. Summary Financial Statement

Balance Sheet as of	31.03.2011		(Unit: Indian Rs.)
Assets		Liabilities
Current Assets	249,691,000	Current Liabilities	181,719,000
Inventories	230,189,000	Long-term Liabilities	204,562,000
Fixed Assets	102,039,000	Other Liabilities	8,074,000
Deferred Assets	0	Total Liabilities	394,355,000
Invest& other Assets	0	Retained Earnings	177,564,000
		Net Worth	187,564,000
Total Assets	581,919,000	Total Liab. & Equity	581,919,000
Total Assets (Previous Year)	530,627,000
P/L Statement as of	31.03.2011		(Unit: Indian Rs.)
Sales	1095,487,000	Net Profit	12,157,000
Sales(Previous yr)	1068,608,000	Net Profit(Prev.yr)	54,125,000

MIRA INFORM REPORT

Report Date :

25.08.2012

Tel. No.:	91 -22-28952367
E-Mail :	dhiraj.gupta@cristol.co.in

IDENTIFICATION DETAILS

Name :	KRISHNA ANTIOXIDANTS PRIVATE LIMITED
Formerly Known As :	KRISHNA FISCALS PRIVATE LIMITED
Registered Office :	1, Oriental Apartments, Jeevan Bimanagar, Opposite LIC, Shopping Centre, Borivali (West), Mumbai – 400 003, Maharashtra
Country :	India
Financials (as on) :	31.03.2011 (Provisional)
Date of Incorporation :	08.05.1990
Com. Reg. No.:	11-056459
Capital Investment / Paid-up Capital :	Rs.10.000 Millions
CIN No.: [Company Identification No.]	U65990MH1990PTC056459
TAN No.: [Tax Deduction & Collection Account No.]	MUMK11049D
PAN No.: [Permanent Account No.]	AAACK1793M
Legal Form :	Private Limited Liability Company
Line of Business :	Manufacturer and Exporter of Speciality Chemicals, Industrial Chemical, etc.,
No. of Employees :	100 (Approximately)

RATING & COMMENTS

MIRA’s Rating :

Ba (44)

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

Maximum Credit Limit :	USD 750000
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.

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 – June 30, 2012

Country Name	Previous Rating (31.03.2012)	Current Rating (30.06.2012)
India	A1	A1

Risk Category	ECGC Classification
Insignificant	A1
Low	A2
Moderate	B1
High	B2
Very High	C1
Restricted	C2
Off-credit	D

EXTERNAL AGENCY RATING

Rating Agency Name	CRISIL
Rating	BBB (Long term Rating)
Rating Explanation	Moderate degree of safety and moderate credit risk
Date	05.03.2012

Rating Agency Name	CRISIL
Rating	AB+ (Short term Rating)
Rating Explanation	Moderate degree of safety
Date	05.03.2012

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 31-03-2012.

INFORMATION PARTED BY

Name :	Ms. Saroj
Designation :	Purchase Manager
Contact No.:	91-22-28952367
Date :	23.08.2012

LOCATIONS

Registered Office :	1, Oriental Apartments, Jeevan Bimanagar, Opposite LIC, Shopping Centre, Borivali (West), Mumbai – 400 003, Maharashtra, India
Tel. No.:	91-22-28952367
Fax No.:	91-22-28910320
E-Mail :	saroj.vijekar@cristol.co.in dhiraj.gupta@cristol.co.in kapl@bom2.vsnl.net.in
Website :	http://www.krishnaantioxidants.com http://www.cristol.co.in
Area :	300 Sq. ft.
Location :	Owned
Corporate Office 1 :	107-108, 1^st Floor, Raheja Plaza, Shah Industrial Estate, Opposite Yashraj Studios, Mumbai – 400 053, Maharashtra, India
Tel. No.:	91-22-28952367 / 28954842
Fax No.:	91-22-28910320 / 28935071
E-Mail :	mitul.gupta@cristol.co.in
Area :	3000 Sq. ft.
Location :	Owned
Corporate Office 2 :	Opposite Yashraj Studios, Off Link Andheri (West), Mumbai – 400053, Maharashtra, India
Factory :	Gane Khadpoli MIDC, Chiplun, District Ratnagiri – 415 605, Maharashtra, India
Tel. No.:	91-235-237416
Area :	5 Acres
Location :	Owned

DIRECTORS

As on 30.09.2011

Name :

Mr. Anil Hariprasad Gupta

Designation :

Whole Time Director

Address :

11, AFCO Co-Operative Housing Society, A2/2 Jeevan Bimanagar, Borivali (West), Mumbai – 400 103, Maharashtra, India

Date of Birth/Age :

23.11.1950

Qualification :

Chartered Accountant

Date of Appointment :

08.05.1990

DIN No.:

01363167

Other Directorship:

S.No.	CIN/LLPIN	Name of the Company/ LLP	Current designation of the Director/ Designated Partner	Date of appointment at current designation	Original date of appointment	Date of cessation	Company/ LLP Status	Defaulting status
1	U24100MH1975PTC018658	AKRUR CHEMICALS PRIVATE LIMITED	Director	13/11/1975	13/11/1975	-	Active	NO
2	U65990MH1990PTC056459	KRISHNA ANTIOXIDANTS PRIVATE LIMITED	Whole-time director	08/05/1990	08/05/1990	-	Active	NO

Name :

Mr. Krishnagopal Hariprasad Gupta

Designation :

Whole Time Director

Address :

53/58, Jeevan Bima Nagar, A-6/1 Jeevan Aradhana Borivali (West), Mumbai – 400103, Maharashtra, India

Date of Birth/Age :

04.06.1940

Qualification :

B. Tech

Date of Appointment :

08.05.1990

DIN No.:

01337454

Other Directorship:

S.No.	CIN/LLPIN	Name of the Company/ LLP	Current designation of the Director/ Designated Partner	Date of appointment at current designation	Original date of appointment	Date of cessation	Company/ LLP Status	Defaulting status
1	U65990MH1990PTC056459	KRISHNA ANTIOXIDANTS PRIVATE LIMITED	Whole-time director	08/05/1990	08/05/1990	-	Active	NO
2	U24100MH1975PTC018658	AKRUR CHEMICALS PRIVATE LIMITED	Director	31/01/1998	31/01/1998	-	Active	NO

KEY EXECUTIVES

Name :	Mr. Dhiraj Krishna Gupta
Designation :	Manager
Address :	53/58, Jeevan Bima Nagar, A-6/1 Jeevan Aradhana Borivali (West), Mumbai – 400 103, Maharashtra, India
Date of Appointment :	01.04.2006
PAN No.:	AEMPG9544F
Name :	Mr. Mitul Krishnagopal Gupta
Designation :	Manager
Address :	53/58, Jeevan Bima Nagar, A-6/1 Jeevan Aradhana Borivali (West), Mumbai – 400103, Maharashtra, India
Date of Birth/Age :	21.11.1970
Date of Appointment :	01.04.2008
PAN No.:	AADPG2772L
Name :	Ms. Saroj
Designation :	Purchase Manager

MAJOR SHAREHOLDERS

As on 30.09.2011

Names of Shareholders	No. of Shares
Anil Hariprasad Gupta	43500
Krishna Hariprasad Gupta	47500
Mitul Krishna Gupta	2500
Veena Anil Gupta	6500
Total	100000

Equity Share Break up (Percentage of Total Equity)

As on 30.09.2011

Category	Percentage
Directors or relatives of Directors	100.00
Total	100.00

BUSINESS DETAILS

Line of Business :

Manufacturer and Exporter of Speciality Chemicals, Industrial Chemical, etc.,

Products :

Product Description	Item Code
Antioxidants (Rubber)	38123001
Organic Surface Active Agents	34029019
Lubrication Oil Additives	38111900

· Cosmetic Ingredient

· Oil Refinery Additives

· Paint Chemicals

· Plastic Additives

· Textile Chemicals

· Crop Protection Chemicals

· Oilfield Chemicals

· Pharmaceutical Intermediates

· Rubber Chemicals

· Biofuels

· Lubricants

· Water Treatment

· Drilling Additive

· Production Chemicals

· Fuel Additives

Exports :

Products :

Speciality Chemicals, Industrial Chemical, etc.,

Countries :

• Europe
• South Africa

Imports :

Products :

Raw Material

Countries :

• China
• Korea
• Malaysia
• Indonesia
• USA

Terms :

Selling :

Depends

Purchasing :

Credit (90 days)

GENERAL INFORMATION

Customers :

Manufacturer

No. of Employees :

100 (Approximately)

Bankers :

• Bank of Baroda, Mount Poinsur, Borivali West Branch, Mumbai – 400 003, Maharashtra, India

· Kotak Mahindra Bank, Borivali (West) Branch, Mumbai, Maharashtra, India

Facilities :

(Rs. in Millions)

Secured Loan	As on 31.03.2010	As on 31.03.2009
Bank of Baroda Buyer's Credit	5.756	0.000
Kotak Mahindra Prim Ltd Ford	0.291	0.494
Bank of Baroda Cash Credit (Hyp.Of Stock)	50.143	54.555
Bank of Baroda Cash Credit (Chiplun)	1.553	0.000
Bank of Baroda Packing Credit	31.482	37.000
Term Loan (Office 107,108)	0.000	4.682
Term Loan	0.000	0.350
Term loan 06/410 (Secured against hypothecation of stock, book debt and leasehold land and building plant and machinery and personal guarantee of the directors)	0.000	12.670
Total	89.225	109.751
Unsecured Loan	As on 31.03.2010	As on 31.03.2009
From Directors	18.185	7.055
From Shareholders	0.285	0.500
From Relatives of Directors	9.259	5.632
From Others	3.600	0.000
Deferred Sales Tax (From 1.5.2005 To 1.6.2014)	0.096	0.555
Deferred Sales Tax Payable From 2008	0.000	0.397
Deferred Sales Tax Payable : 2010-11	0.801	0.801
Deferred Sales Tax Payable : 2011-12	1.086	1.086
Deferred Sales Tax Payable : 2012-13	1.223	1.223
Deferred Sales Tax Payable : 2013-14	1.266	1.266
Deferred Sales Tax Payable : 2014-15	1.013	1.013
Deferred Sales Tax Payable : 2015-16	0.840	0.840
Deferred Sales Tax Payable : 2016-17	0.554	0.554
Deferred Sales Tax Payable : 2017-18	0.285	0.285
Deferred Sales Tax Payable : 2018-19	0.012	0.012
Total	38.505	21.219

Banking Relations :	--
Auditors :
Name :	U. B. Shah and Company Chartered Accountants
Address :	1^st Floor, Diamond Building, Pathak Wadi, Lohar Chawl, Mumbai-400002, Maharashtra, India
PAN No:	AADPS8007Q
Sister Concerns :	Akrud Chemicals Private Limited Globe Industry, Vasai

CAPITAL STRUCTURE

As on 31.03.2011

Authorised Capital:

No. of Shares	Type	Value	Amount
500000	Equity Shares	Rs.100/- Each	Rs.50.000 Millions

Issued, Subscribed & Paid-up Capital:

No. of Shares	Type	Value	Amount
100000	Equity Shares	Rs.100/- Each	Rs.10.000 Millions

FINANCIAL DATA

[all figures are in Rupees Millions]

ABRIDGED BALANCE SHEET

SOURCES OF FUNDS		31.03.2011 (Provisional)	31.03.2010	31.03.2009
SHAREHOLDERS FUNDS
1] Share Capital		10.000	2.500	2.500
2] Share Application Money		0.000	0.000	0.000
3] Reserves & Surplus		177.564	172.577	94.602
4] (Accumulated Losses)		0.000	0.000	0.000
NETWORTH		187.564	175.077	97.102
LOAN FUNDS
1] Secured Loans		171.271	89.225	109.751
2] Unsecured Loans		33.291	38.505	21.219
TOTAL BORROWING		204.562	127.730	130.970
DEFERRED TAX LIABILITIES		8.074	8.074	5.482
TOTAL		400.200	310.881	233.554
APPLICATION OF FUNDS
FIXED ASSETS [Net Block]		102.039	99.647	98.344
Capital work-in-progress		0.000	0.000	0.000
INVESTMENT		0.000	0.000	0.000
DEFERREX TAX ASSETS		0.000	0.000	0.000
CURRENT ASSETS, LOANS & ADVANCES
	Inventories	230.189	121.028	96.311
	Sundry Debtors	114.895	174.018	72.785
	Cash & Bank Balances	46.650	2.753	1.422
	Other Current Assets	0.000	0.000	0.000
	Loans, Advances & Deposits	88.146	133.181	82.608
Total Current Assets		479.880	430.980	253.126
Less : CURRENT LIABILITIES & PROVISIONS
	Sundry Creditors	154.985	146.954	58.734
	Other Current Liabilities			12.779
	Provisions	26.734	72.792	46.403
Total Current Liabilities		181.719	219.746	117.916
Net Current Assets		298.161	211.234	135.210
MISCELLANEOUS EXPENSES		0.000	0.000	0.000
TOTAL		400.200	310.881	233.554

PROFIT & LOSS ACCOUNT

	PARTICULARS		31.03.2011 (Provisional)	31.03.2010	31.03.2009
	SALES
		Income	1095.487	1068.608	716.478
		Other Income	9.983	58.757	66.454
		TOTAL (A)	1105.470	1127.365	782.932
Less	EXPENSES
		Cost of Materials	802.053	748.987	570.943
		Manufacturing Expenses	91.871	79.090	56.277
		Employees Cost-Sales and Admin	35.240	26.488	16.490
		Administrative Expenses	33.102	34.666	24.923
		Selling and Distribution Expenses	71.187	58.582	39.274
		Income/ Expenditure of Prior Period	0.478	6.189	0.622
		TOTAL (B)	1033.931	954.002	708.529
Less	PROFIT BEFORE INTEREST, TAX, DEPRECIATION AND AMORTISATION (A-B) (C)		71.539	173.363	74.403
Less	INTEREST & FINANCIAL EXPENSES (D)		17.392	15.338	22.174
	PROFIT BEFORE TAX, DEPRECIATION AND AMORTISATION (C-D) (E)		54.147	158.025	52.229
Less/ Add	DEPRECIATION/ AMORTISATION (F)		18.380	17.090	13.173
	PROFIT BEFORE TAX (E-F) (G)		35.767	140.935	39.056
Less	TAX (H)		23.610	86.810	22.038
	PROFIT AFTER TAX (G-H) (I)		12.157	54.125	17.018
	PROFIY AVAILABLE FOR APPROPRIATION		23.610	86.810	22.037
Less	APPROPRIATIONS
		Interim Dividend Paid	10.000	7.500	2.500
		Tax on Distributed Profits	1.661	1.275	0.425
	PROFIT TRANSFERRED TO GENERAL RESERVE		11.949	78.036	19.112
	EARNINGS IN FOREIGN CURRENCY
		Export Earnings	NA	566.625	401.877
	TOTAL EARNINGS		NA	566.625	401.877
	Earnings Per Share (Rs.)		121.57	2165.00	881.52

KEY RATIOS

PARTICULARS		31.03.2011 (Provisional)	31.03.2010	31.03.2009
PAT / Total Income	(%)	1.10	4.80	2.17
Net Profit Margin (PBT/Sales)	(%)	1.68	13.19	5.45
Return on Total Assets (PBT/Total Assets}	(%)	6.15	26.56	11.11
Return on Investment (ROI) (PBT/Net worth)		0.19	0.80	0.40
Debt Equity Ratio (Total Liability/Net worth)		2.06	1.98	2.56
Current Ratio (Current Asset/Current Liability)		2.64	1.96	2.15

LOCAL AGENCY FURTHER INFORMATION

Sr. No.	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	Yes
13]	Reasons for variation <> 20%	--------
14]	Estimation for coming financial year	No
15]	Capital in the business	Yes
16]	Details of sister concerns	Yes
17]	Major suppliers	No
18]	Major customers	No
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	Yes
28]	Incorporation details, if applicable	Yes
29]	Last accounts filed at ROC	Yes
30]	Major Shareholders, if available	Yes
31]	Date of Birth of Proprietor/Partner/Director, if available	Yes
32]	PAN of Proprietor/Partner/Director, if available	No
33]	Voter ID No of Proprietor/Partner/Director, if available	No
34]	External Agency Rating, if available	Yes

FIXED ASSETS:

• Leasehold land
• Office premises
• Factory building
• Compound wall
• Pollution Control Equipment
• Books and Periodicals
• Fax machine
• Factory fan
• Plant and machinery
• Laboratory equipment
• Office equipment
• Air conditioner
• Office elecrical fitting
• Refridgerator
• Xerox machine
• Factory shed
• Intercom system
• Mobile phone
• Etp plant
• Epson projector
• Furniture
• Scooter
• Computer
• Cars

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.55.38
UK Pound	1	Rs.87.80
Euro	1	Rs.69.48

INFORMATION DETAILS

Report Prepared by :

MRI

SCORE & RATING EXPLANATIONS

SCORE FACTORS	RANGE	POINTS
HISTORY	1~10	4
PAID-UP CAPITAL	1~10	4
OPERATING SCALE	1~10	6
FINANCIAL CONDITION
--BUSINESS SCALE	1~10	6
--PROFITABILIRY	1~10	4
--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		44

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.