MIRA INFORM REPORT
|
Report Date : |
11.12.2012 |
IDENTIFICATION DETAILS
|
Name : |
RAJKAMAL BAR-SCAN SYSTEMS PRIVATE LIMITED |
|
|
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Registered
Office : |
A-36, |
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Country : |
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Financials (as
on) : |
31.03.2012 |
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Date of
Incorporation : |
05.05.1997 |
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|
|
|
Com. Reg. No.: |
11-107776 |
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Capital
Investment / Paid-up Capital : |
Rs. 3.470 Millions |
|
|
|
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CIN No.: [Company Identification
No.] |
u86202mh1997ptc107776 |
|
|
|
|
TAN No.: [Tax Deduction &
Collection Account No.] |
mumr15433f |
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PAN No.: [Permanent Account No.] |
aaacr6721n |
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Legal Form : |
Private Limited Liability Company |
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Line of Business
: |
Trader and Supplier of Automatic Identification and Data Collection (AIDC) Solutions |
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No. of Employees
: |
Information declined by the management |
RATING & COMMENTS
|
MIRA’s Rating : |
Ba (45) |
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
41-55 |
Ba |
Overall operation is considered normal. Capable to meet normal
commitments. |
Satisfactory |
|
Maximum Credit Limit : |
USD 100000 |
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|
Status : |
Satisfactory |
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Payment Behaviour : |
Usually Correct |
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Litigation : |
Clear |
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Comments : |
Subject is an established company having satisfactory track. There appears
some dip in the profitability of the company. However, 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.
INDIAN ECONOMIC OVERVIEW
India is developing into an open-market economy, yet traces
of its past autarkic policies remain. Economic liberalization, including
industrial deregulation, privatization of state-owned enterprises, and reduced
controls on foreign trade and investment, began in the early 1990s and has
served to accelerate the country's growth, which has averaged more than 7% per
year since 1997. India's diverse economy encompasses traditional village
farming, modern agriculture, handicrafts, a wide range of modern industries,
and a multitude of services. Slightly more than half of the work force is in
agriculture, but services are the major source of economic growth, accounting
for more than half of India's output, with only one-third of its labor force.
India has capitalized on its large educated English-speaking population to
become a major exporter of information technology services and software
workers. In 2010, the Indian economy rebounded robustly from the global
financial crisis - in large part because of strong domestic demand - and growth
exceeded 8% year-on-year in real terms. However, India's economic growth in
2011 slowed because of persistently high inflation and interest rates and
little progress on economic reforms. High international crude prices have
exacerbated the government's fuel subsidy expenditures contributing to a higher
fiscal deficit, and a worsening current account deficit. Little economic reform
took place in 2011 largely due to corruption scandals that have slowed
legislative work. India's medium-term growth outlook is positive due to a young
population and corresponding low dependency ratio, healthy savings and
investment rates, and increasing integration into the global economy. India has
many long-term challenges that it has not yet fully addressed, including widespread
poverty, inadequate physical and social infrastructure, limited
non-agricultural employment opportunities, scarce access to quality basic and
higher education, and accommodating rural-to-urban migration.
|
Source
: CIA |
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 DECLINED
|
Name : |
Mr. Zolekar Baban Rao |
|
Designation : |
Account Manager |
|
Date : |
10.12.2012 |
LOCATIONS
|
Registered Office / Head Office : |
A-36, |
|
Tel. No.: |
91-22- 66681101 / 42147000 / 32412853 |
|
Fax No.: |
91-22- 42147001 / 66681101 |
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E-Mail : |
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Website : |
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|
Area : |
800 sq.fts |
|
Location : |
Owned |
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|
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Regional and Branch
Office : |
Located At
|
DIRECTORS
As on 28.09.2012
|
Name : |
Mr. Sanjiv Mahesh Dhami |
|
Designation : |
Director |
|
Address : |
3E, Uttkarsh Society Madhavdas Amersey Road, Andheri (West), Mumbai –
400 058, Maharashtra, India |
|
Date of Birth/Age : |
16.04.1966 |
|
Qualification : |
Graduate |
|
Date of Appointment : |
05.05.1997 |
|
|
AABPD6538M |
|
DIN No.: |
01157180 |
|
|
|
|
Name : |
Mr. Rajiv Mahesh Chandra Dhami |
|
Designation : |
Director |
|
Address : |
3E, Uttkarsh Society Madhavdas Amersey Road, Andheri (West), Mumbai –
400 058, Maharashtra, India |
|
Date of Birth/Age : |
04.12.1961 |
|
Qualification : |
Graduate |
|
Date of Appointment : |
05.05.1997 |
|
|
AABPD8268L |
|
DIN No.: |
01565753 |
KEY EXECUTIVES
|
Name : |
Mr. Zolekar Baban Rao |
|
Designation : |
Account Manager |
MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN
As on 28.09.2012
|
Names of Shareholders |
|
No. of Shares |
|
Mahesh Dhami (HUF) |
|
3000 |
|
Rajiv Dhami |
|
34333 |
|
Rajiv Dhami (HUF) |
|
53000 |
|
Sanjiv Dhami |
|
27333 |
|
Sanjiv Dhami (HUF) |
|
63000 |
|
Chiranjiv Dhami |
|
3000 |
|
Karishma Dhami |
|
3000 |
|
Ravina Dhami |
|
3000 |
|
Manjula Dhami |
|
57334 |
|
Rajkamal Enterprises, India |
|
100000 |
|
Total |
|
347000 |
As on 28.09.2012
Equity Share Break up (Percentage of Total Equity)
|
Category |
Percentage |
|
Directors or relatives of Directors |
100.00 |
|
Total |
100.00 |
BUSINESS DETAILS
|
Line of Business : |
Trader and Supplier of Automatic Identification and Data
Collection (AIDC) Solutions |
GENERAL INFORMATION
|
Customers : |
Automotive Industry
Petrochemical Industry
Airlines / Transport and Logistics
Kiosks / Lottery Sector
|
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No. of Employees : |
Information declined by the management |
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Bankers : |
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Facilities : |
(Rs.
In Millions)
|
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Banking
Relations : |
-- |
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Auditors : |
|
|
Name : |
V R Bhabhra and Company Chartered Accountants |
|
Address : |
303, Sagar Shopping centre, 76, opposite Bombay Bazar, Jai Prakash
Road, Andheri (West), Mumbai – 400 058, Maharashtra |
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Tel. No.: |
91-22-26781737 |
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E-Mail : |
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PAN.: |
AAEPB6077G |
CAPITAL STRUCTURE
As on 31.03.2012
Authorised Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
|
|
|
|
|
1000000 |
Equity Shares |
Rs.10/- each |
Rs.10.000 Millions |
|
|
|
|
|
Issued, Subscribed & Paid-up Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
|
|
|
|
|
347000 |
Equity Shares |
Rs.10/- each |
Rs.3.470
Millions |
|
|
|
|
|
Reconciliation of the
number of Shares Outstanding at the end of the reporting period
|
Particular |
Number |
Amount in Millions |
|
Shares outstanding at the beginning of the year |
347,000 |
3.470 |
|
Shares Issued during the year |
-- |
-- |
|
Shares bought back during the year Shares outstanding at the end of the year |
-- |
-- |
|
Share outstanding at the end of the year |
347,000 |
3.470 |
Shares is the company held by each shareholder holding more than 5
percent shares
|
Name of Shareholder |
No. of Shares held |
% of Holding |
|
Rajiv M Dhami |
34,333 |
9.89% |
|
Rajiv M Dhami (HUF) |
53,000 |
15.27% |
|
Maniula Dhami |
57,334 |
16.52% |
|
Sanjiv M Dhami (HUF) |
63,000 |
18.16% |
|
Saniiv M Dhami |
27,333 |
7.88% |
|
Rajkamal Enterprises |
100,000 |
28.82% |
FINANCIAL DATA
[all figures are
in Rupees Millions]
ABRIDGED BALANCE
SHEET
|
SOURCES OF FUNDS |
31.03.2012 |
31.03.2011 |
31.03.20010 |
|
|
SHAREHOLDERS FUNDS |
|
|
|
|
|
1] Share Capital |
3.470 |
3.470 |
3.470 |
|
|
2] Share Application Money |
0.000 |
0.000 |
0.000 |
|
|
3] Reserves & Surplus |
22.239 |
20.830 |
17.535 |
|
|
4] (Accumulated Losses) |
0.000 |
0.000 |
0.000 |
|
|
NETWORTH |
25.709 |
24.300 |
21.005 |
|
|
LOAN FUNDS |
|
|
|
|
|
1] Secured Loans |
0.001 |
0.238 |
0.641 |
|
|
2] Unsecured Loans |
12.147 |
11.006 |
11.896 |
|
|
TOTAL BORROWING |
12.148 |
11.244 |
12.537 |
|
|
DEFERRED TAX LIABILITIES |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
37.857 |
35.544 |
33.542 |
|
|
|
|
|
|
|
|
APPLICATION OF FUNDS |
|
|
|
|
|
|
|
|
|
|
|
FIXED ASSETS [Net Block] |
5.426 |
6.068 |
6.817 |
|
|
Capital work-in-progress |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
INVESTMENT |
0.000 |
0.000 |
0.000 |
|
|
DEFERREX TAX ASSETS |
0.078 |
0.045 |
0.147 |
|
|
|
|
|
|
|
|
CURRENT ASSETS, LOANS & ADVANCES |
|
|
|
|
|
|
Inventories |
22.737
|
14.834 |
11.807 |
|
|
Sundry Debtors |
26.925
|
36.870 |
38.276 |
|
|
Cash & Bank Balances |
3.341
|
1.926 |
3.893 |
|
|
Other Current Assets |
0.037
|
0.023 |
3.115 |
|
|
Loans & Advances |
1.260
|
1.167 |
4.224 |
|
Total
Current Assets |
54.300
|
54.820 |
61.315 |
|
|
Less : CURRENT
LIABILITIES & PROVISIONS |
|
|
|
|
|
|
Sundry Creditors |
19.616
|
22.018 |
28.990 |
|
|
Other Current Liabilities |
2.216
|
3.371 |
1.099 |
|
|
Provisions |
0.115
|
0.000 |
4.648 |
|
Total
Current Liabilities |
21.947
|
25.389 |
34.737 |
|
|
Net Current Assets |
32.353
|
29.431 |
26.578 |
|
|
|
|
|
|
|
|
MISCELLANEOUS EXPENSES |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
37.857 |
35.544 |
33.542 |
|
PROFIT & LOSS
ACCOUNT
|
|
PARTICULARS |
31.03.2012 |
31.03.2011 |
31.03.20010 |
|
|
|
SALES |
|
|
|
|
|
|
|
|
120.928 |
113.808 |
|
|
|
|
Other Income |
|
|
|
|
|
|
TOTAL |
120.928 |
113.808 |
97.009 |
|
|
|
|
|
|
|
|
Less |
|
|
|
|
|
|
|
|
Office Expenses |
|
|
|
|
|
|
Administrative Expenses |
118.429 |
109.048 |
94.941 |
|
|
|
Advertising Expenses |
|
|
|
|
|
|
TOTAL |
118.429 |
109.048 |
94.941 |
|
|
|
|
|
|
|
|
|
PROFIT BEFORE
TAX |
2.499 |
4.760 |
2.068 |
|
|
|
|
|
|
|
|
|
Less |
TAX |
1.090 |
1.464 |
0.757 |
|
|
|
|
|
|
|
|
|
|
PROFIT AFTER TAX
|
1.409 |
3.296 |
1.311 |
|
|
|
|
|
|
|
|
|
Add |
PREVIOUS
YEARS’ BALANCE BROUGHT FORWARD |
19.330 |
16.034 |
14.723 |
|
|
|
|
|
|
|
|
|
|
Earnings Per
Share (Rs.) |
4.06 |
NA |
NA |
|
KEY RATIOS
|
PARTICULARS |
|
31.03.2012 |
31.03.2011 |
31.03.20010 |
|
PAT / Total Income |
(%) |
1.17
|
2.90 |
1.35 |
|
|
|
|
|
|
|
Return on Total Assets (PBT/Total Assets} |
(%) |
4.18
|
7.82 |
3.04 |
|
|
|
|
|
|
|
Return on Investment (ROI) (PBT/Networth) |
|
0.10
|
0.20 |
0.10 |
|
|
|
|
|
|
|
Debt Equity Ratio (Total Liability/Networth) |
|
1.33
|
1.51 |
2.25 |
|
|
|
|
|
|
|
Current Ratio (Current Asset/Current Liability) |
|
2.47
|
2.15 |
1.77 |
LOCAL AGENCY FURTHER INFORMATION
DETAILS OF SUNDRY
CREDITORS
Rs.
In Millions
|
Particular |
31.03.2012 |
31.03.2011 |
31.03.2010 |
|
|
|
|
|
|
Trade Payables |
19.616
|
22.018 |
28.990 |
|
Total |
19.616
|
22.018 |
28.990 |
|
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 |
No |
|
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 |
No |
|
17] |
Major suppliers |
No |
|
18] |
Major customers |
No |
|
19] |
Payments terms |
No |
|
20] |
Export / Import details (if applicable) |
No |
|
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 |
No |
Note:
The registered office of the company has been shifted from was 4 Anna Bhavan,
1st Floor, 87/C, Devji Ratansi Marg, Mumbai – 400 009, Maharashtra,
India to present address w.e.f. 20.06.2006
OPERATIONAL
PERFORMANCE:
During the year the company has achieved a Gross income of Rs.120.928 Millions (previous year Rs. 113.808 Millions) and The Company has earned Profit before tax of Rs.2.499 Millions as compared to Rs.4.760 Millions in the previous year. The highlights of the financial results for the period ended 31 March 2012 are as above
The year witnessed varied currency fluctuations wherein the Indian Rupee appreciated notably against the US dollar and Euro. The company took necessary action to reduce the impact of currency fluctuations.
FUTURE OUTLOOK:
Last year they did well and are looking forward to do better in current year, as the Computerization and Automation has increased in the retail segment. As well the installation of major ERP like SAP Oracle, and JD Edwards has gone up. widening the scope of usage of Automatic Data Collection. Hence demand of barcode equipments has increase and Automated Data Collection Technology is getting well accepted for the time to come in all industries. The company is expected to maintain a stable growth rate in the coming year.
BANKERS CHARGES
REPORT AS PER REGISTRY
|
Corporate
identity number of the company |
u86202mh1997ptc107776 |
|
Name of the
company |
RAJKAMAL BAR-SCAN SYSTEMS PRIVATE LIMITED |
|
Address of the registered
office or of the principal place of
business in |
A-36, |
|
This form is for |
Creation of charge |
|
Type of charge |
|
|
Particular of
charge holder |
Syndicate Bank, MIDC Marol Branch,B-59 Giriraj Industrial Estate, Mahakali Caves Road, Andheri (East), Mumbai - 400093, Maharashtra, India |
|
Nature of
instrument creating charge |
Composite
Hypothecation Agreement LC LIMIT
-Rs.1,500,000/- BG LIMIT- Rs.1,000,000/- |
|
Date of
instrument Creating the charge |
21.07.2011 |
|
Amount secured by
the charge |
Rs.10.500
Millions |
|
Brief of the
principal terms an conditions and extent and operation of the charge |
Rate of Interest Interest shall be
charged on the outstanding in the said credit facilities at the rate 12.5%
p.a. being 2.25% over and above the syndicate banks (PLR)/(PTLR) raising or
falling there from time to time Terms of Repayment On Demand Margin The borrower shall
maintain such security margin as may be stipulated by the bank and under no
circumstances, the margin shall be lower. Extent and Operation of the charge The charge will
operate to the extent of Rs.10.500 Millions on the security offered by the company |
|
Short particulars
of the property or asset(s) charged (including complete address and location
of the property) |
The borrower doth
hereby hypothecate All the goods, stock, raw materials, finished goods,
movable property of any kind, both present and future whether installed or
not , whether lying loose or in cases, at site or in transit or be in or
about the borrowers factory / godowns at - Solitaire Building , Gala No-4,
Tirupati Industrial Park, Satival Road ,Valiv Village , Talika- Vasai, District Thane - 401208 The borrower doth
hereby hypothecate All the borrowers present and future other debts (book
debts), outstanding monies, receivables, claims, bills, contracts,
securities, investments, goodwill, rights and assets. |
fixed assets
· Air Conditioner
· Cycle
· Phone
· Fax machine
· 1400 VA Inverter Set
· Aquaguard Water Filter
· Camera Sony HC 30
· Computer
· Demo Equipments
· EPABX Systems
· Laptop Toshiba
· HP LJ Printer
· Furniture and Fixtures
· Website
· Weighing Machine
· Tools
· Television
· Refrigerator
· Office Equipments
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 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.54.34 |
|
|
1 |
Rs.87.09 |
|
Euro |
1 |
Rs.70.13 |
INFORMATION DETAILS
|
Information
Gathered by : |
PJA |
|
|
|
|
Report Prepared
by : |
NTH |
SCORE & RATING EXPLANATIONS
|
SCORE FACTORS |
RANGE |
POINTS |
|
HISTORY |
1~10 |
5 |
|
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 |
no |
|
--AFFILIATION |
YES/NO |
no |
|
--LISTED |
YES/NO |
no |
|
--OTHER MERIT FACTORS |
YES/NO |
yes |
|
TOTAL |
|
45 |
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 |
- |
This report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or
its officials.