|
Report Date : |
23.02.2012 |
IDENTIFICATION DETAILS
|
Name : |
SKJ LEGAL |
|
|
|
|
Registered
Office : |
2nd Floor, Kundan Chambers, |
|
|
|
|
Country : |
|
|
|
|
|
Financials (as
on) : |
31.03.2011 |
|
|
|
|
Date of
Incorporation : |
2008 |
|
|
|
|
Capital
Investment / Paid-up Capital : |
Rs.5.098 Millions |
|
|
|
|
Legal Form : |
Sole Proprietory Concern |
|
|
|
|
Line of Business
: |
Full Service Corporate Law Firm. |
|
|
|
|
No. of Employees
: |
20 (Approximately) |
RATING & COMMENTS
|
MIRA’s Rating : |
B (27) |
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
26-40 |
B |
Capability to overcome financial difficulties seems comparatively
below average. |
Small |
|
Maximum Credit Limit : |
USD 20000 |
|
|
|
|
Status : |
Small Concern |
|
|
|
|
Payment Behaviour : |
Slow |
|
|
|
|
Litigation : |
Clear |
|
|
|
|
Comments : |
Subject is a small proprietory concern in its field. Its scale of
activities are limited. However, trade relations are reported as fair. Business
is active. Payments are reported to be slow. The concern can be considered for small business dealings with some
cautions. |
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 – September 30, 2011
|
Country Name |
Previous Rating (30.06.2011) |
Current Rating (30.09.2011) |
|
|
A1 |
A1 |
|
Risk Category |
ECGC Classification |
|
Insignificant |
A1 |
|
Low |
A2 |
|
Moderate |
B1 |
|
High |
B2 |
|
Very High |
C1 |
|
Restricted |
C2 |
|
Off-credit |
D |
INFORMATION PARTED BY
|
Name : |
Mr. Sanjay Dhindle |
|
Designation : |
Senior Associate |
|
Contact No.: |
91-9890447492 |
|
Date : |
22.02.2012 |
LOCATIONS
|
Registered Office : |
2nd Floor, Kundan Chambers, Thube Park, Near Sancheti
Hospital, Pune – 411005, Maharashtra, India |
|
Tel. No.: |
91-20-30223654 |
|
Mobile No.: |
91-9881068320 91-9890447492 (Mr. Sanjay Dhindle) |
|
Fax No.: |
91-20-25536661 |
|
E-Mail : |
|
|
Website : |
|
|
Area : |
2700 Sq. ft |
|
Location : |
Owned |
SOLE PROPRIETOR
|
Name : |
Mr. Pankaj Jain |
|
Designation : |
Proprietor |
|
Address : |
2A/2B, |
|
Date of Birth/Age : |
29.09.1981 |
|
Qualification : |
LL.B/ LL.M |
|
Experience : |
7 Years |
KEY EXECUTIVES
|
Name : |
Mr. Sanjay Dhindle |
|
Designation : |
Senior Associate |
|
|
|
|
Name : |
Mr. Sabyasachi Ghosh |
|
Designation : |
Manager |
|
Address : |
Flat No. 202, Geet-Ganga Co-operative Housing Society, S. No. 241/1,
Baner, Pune – 411007, Maharashtra, India |
|
Date of Birth/Age : |
12.10.1964 |
|
Qualification : |
LL.B |
|
Experience : |
22 Years |
BUSINESS DETAILS
|
Line of Business : |
Full Service Corporate Law Firm. |
GENERAL INFORMATION
|
Customers : |
Individuals and Companies |
|||||||||||||||||||||
|
|
|
|||||||||||||||||||||
|
No. of Employees : |
20 (Approximately) |
|||||||||||||||||||||
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|
|||||||||||||||||||||
|
Bankers : |
·
SBI, ·
HDFC Bank ·
Vijaya Bank |
|||||||||||||||||||||
|
|
|
|||||||||||||||||||||
|
Facilities : |
|
|
|
|
|
Banking
Relations : |
-- |
|
|
|
|
Auditors : |
|
|
Name : |
Shah Baldota and Company Chartered Accountants |
|
Address : |
927, |
|
Tel. No.: |
91-20-26134610 |
|
|
|
|
Sister Concerns : |
Address: 2nd
Floor, Kundan Chambers, Line
of Business: A high quality data analytical company
Address: 2nd
Floor, Kundan Chambers, Line
of Business: A Legal process outsourcing company |
CAPITAL STRUCTURE
As on 31.03.2011
|
Capital Investment : |
|
|
Owned : |
Rs.5.098 Millions |
|
Borrowed : |
-- |
|
Total : |
Rs.5.098
Millions |
FINANCIAL DATA
[all figures are
in Rupees Millions]
ABRIDGED BALANCE
SHEET
|
SOURCES OF FUNDS |
31.03.2011 |
31.03.2010 |
31.03.2009 |
|
|
SHAREHOLDERS FUNDS |
|
|
|
|
|
1] Share Capital |
5.098 |
5.334 |
4.584 |
|
|
2] Share Application Money |
0.000 |
0.000 |
0.000 |
|
|
3] Reserves & Surplus |
0.000 |
0.402 |
0.000 |
|
|
4] (Accumulated Losses) |
0.000 |
0.000 |
0.000 |
|
|
NETWORTH |
5.098 |
5.736 |
4.584 |
|
|
LOAN FUNDS |
|
|
|
|
|
1] Secured Loans |
0.000 |
0.180 |
0.381 |
|
|
2] Unsecured Loans |
0.000 |
0.258 |
0.196 |
|
|
TOTAL BORROWING |
0.000 |
0.438 |
0.577 |
|
|
DEFERRED TAX LIABILITIES |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
5.098 |
6.174 |
5.161 |
|
|
|
|
|
|
|
|
APPLICATION OF FUNDS |
|
|
|
|
|
|
|
|
|
|
|
FIXED ASSETS [Net Block] |
0.862 |
2.245 |
2.392 |
|
|
Capital work-in-progress |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
INVESTMENT |
0.420 |
0.290 |
0.220 |
|
|
DEFERREX TAX ASSETS |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
CURRENT ASSETS, LOANS & ADVANCES |
|
|
|
|
|
|
Inventories |
0.000
|
0.000 |
0.000 |
|
|
Sundry Debtors |
0.098
|
0.000 |
0.000 |
|
|
Cash & Bank Balances |
0.647
|
0.344 |
0.114 |
|
|
Other Current Assets |
0.343
|
0.346 |
0.300 |
|
|
Loans & Advances |
3.071
|
2.949 |
2.135 |
|
Total
Current Assets |
4.159
|
3.639 |
2.549 |
|
|
Less : CURRENT
LIABILITIES & PROVISIONS |
|
|
|
|
|
|
Sundry Creditors |
0.073
|
0.000 |
0.000 |
|
|
Other Current Liabilities |
0.258
|
0.000 |
0.000 |
|
|
Provisions |
0.012
|
0.000 |
0.000 |
|
Total
Current Liabilities |
0.343
|
0.000 |
0.000 |
|
|
Net Current Assets |
3.816
|
3.639 |
2.549 |
|
|
|
|
|
|
|
|
MISCELLANEOUS EXPENSES |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
5.098 |
6.174 |
5.161 |
|
PROFIT & LOSS
ACCOUNT
|
|
PARTICULARS |
31.03.2011 |
31.03.2010 |
31.03.2009 |
|
|
|
SALES |
|
|
|
|
|
|
|
Professional Receipts |
4.215 |
0.000 |
0.000 |
|
|
|
Legal Fees Received |
0.000 |
1.040 |
1.552 |
|
|
|
Bank Interest |
0.000 |
0.000 |
0.004 |
|
|
|
Dividend |
0.000 |
0.000 |
0.014 |
|
|
|
TOTAL (A) |
4.215 |
1.040 |
1.570 |
|
|
|
|
|
|
|
|
Less |
EXPENSES |
|
|
|
|
|
|
|
Account Writing Charges |
0.004 |
0.000 |
0.000 |
|
|
|
Books and Periodicals |
0.017 |
0.000 |
0.000 |
|
|
|
Computer Repairs and Maintenance |
0.017 |
0.006 |
0.020 |
|
|
|
Document Expenses |
0.005 |
0.000 |
0.000 |
|
|
|
Digital Signature Expenses |
0.000 |
0.000 |
0.001 |
|
|
|
Electricity Expenses |
0.106 |
0.000 |
0.000 |
|
|
|
Interest on Car Loan |
0.007 |
0.023 |
0.039 |
|
|
|
Legal Fees |
1.005 |
0.013 |
0.097 |
|
|
|
Office Expenses |
0.025 |
0.029 |
0.011 |
|
|
|
Postage and Telephone |
0.141 |
0.011 |
0.012 |
|
|
|
Printing and Stationery |
0.012 |
0.000 |
0.004 |
|
|
|
Professional Fees |
0.033 |
0.002 |
0.000 |
|
|
|
Profession Tax |
0.003 |
0.000 |
0.000 |
|
|
|
Salary |
1.254 |
0.027 |
0.016 |
|
|
|
Advocate Salary |
0.000 |
0.060 |
0.000 |
|
|
|
Security Charges |
0.012 |
0.000 |
0.000 |
|
|
|
Staff Welfare |
0.007 |
0.003 |
0.000 |
|
|
|
Trade Mark Fees |
0.123 |
0.134 |
0.075 |
|
|
|
Travelling Expenses |
0.151 |
0.124 |
0.007 |
|
|
|
Vehicle and Petrol Expenses |
0.041 |
0.041 |
0.076 |
|
|
|
Vehicle Expenses |
0.010 |
0.000 |
0.001 |
|
|
|
Vehicle Insurance |
0.021 |
0.009 |
0.012 |
|
|
|
Bank Commission |
0.000 |
0.002 |
0.002 |
|
|
|
TOTAL (B) |
2.994 |
0.484 |
0.373 |
|
|
|
|
|
|
|
|
Less |
PROFIT
BEFORE INTEREST, TAX, DEPRECIATION AND AMORTISATION (A-B) (C) |
1.221 |
0.556 |
1.197 |
|
|
|
|
|
|
|
|
|
Less |
FINANCIAL
EXPENSES (D) |
0.007 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
|
|
PROFIT
BEFORE TAX, DEPRECIATION AND AMORTISATION (C-D) (E) |
1.214 |
0.556 |
1.197 |
|
|
|
|
|
|
|
|
|
Less/ Add |
DEPRECIATION/
AMORTISATION (F) |
0.190 |
0.154 |
0.163 |
|
|
|
|
|
|
|
|
|
|
SURPLUS (G) |
1.024 |
0.402 |
1.034 |
|
Note : Sole Proprietory and Partnership concerns are
exempted from filing their financials with the Government Authorities or
Registry.
KEY RATIOS
|
PARTICULARS |
|
31.03.2011 |
31.03.2010 |
31.03.2009 |
|
PAT / Total Income |
(%) |
24.29
|
38.65 |
65.85 |
|
|
|
|
|
|
|
Return on Total Assets (PBT/Total Assets} |
(%) |
20.39
|
6.83 |
20.93 |
|
|
|
|
|
|
|
Return on Investment (ROI) (PBT/Networth) |
|
0.20
|
0.07 |
0.23 |
|
|
|
|
|
|
|
Debt Equity Ratio (Total Liability/Networth) |
|
0.07
|
0.08 |
0.13 |
|
|
|
|
|
|
|
Current Ratio (Current Asset/Current Liability) |
|
12.12
|
0.00 |
0.00 |
LOCAL AGENCY FURTHER INFORMATION
INTRODUCTION
SKJ group has two divisions: SKJ Legal — A full service corporate law
firm, which handles its corporate legal matters for the Indian clients and SKJ
Legal (Private) Limited, which handles its legal off-shoring business and
provides high quality and low cost legal support services for lawyers, law
firms and corporations throughout the world in a data secured environment.
Ski Legal’s clientele includes real estate developers, info-tech BPOs,
software developing companies, risk and financial analysis companies, insurance
companies, pharmaceutical and biotech companies, manufacturing companies,
educational institutes among other in India and abroad.
SKJ Legal provides corporate legal services in
SERVICE LINES
1) Corporate and
Business Laws
The ongoing industrial revolution has inspired the corporate houses and
enthusiastic entrepreneurs to explore noble business ideas and convert such
ideas into profitable business enterprise. For running a business enterprise
like a greased machine, corporate and business laws need to be adhered to. The
firms provide the following services in this regard:
The firm works in the following aspects of corporate and business laws:
2) Intellectual
Property Services
Intellectual Property law deals with the creative ideas and expressions
of the human mind that have commercial value and receives the legal protection
of the property right. The major legal mechanisms for protection of
intellectual property rights are copyrights, trademarks, patents and designs.
The Firm possesses information for protection of various intellectual
property rights from its exploitation. It focuses on the registration of the
intangible rights for the betterment in functioning of commercial trade.
‘The practical security of the abstract thoughts’ is the key of the
organization. The firm caters in the infinite legal operation of intellectual
property in the following enumerations.
3) Employment and
Industrial Laws
Employment and industrial laws encompasses the massive compilation of
statutory labour welfare laws, administrative rulings, and legal precedents
which cover all facets of the employer-employee relationship.
The firm provides the following services:
·
Employment and connected agreements including terms
of offer, appointment, etc.
·
Discrimination at work place
·
Health and safety legislation
·
Trade Union issues
·
Employee disputes
·
Industrial issues in connection with mergers and
acquisitions
4) Real Estate
Laws
Real estate laws are the body of regulations and legal codes which
pertain to such matters under a particular jurisdiction and include things such
as commercial and residential real property transactions.
The firm provides the following services:
5) Litigation and
Disputes Resolution Mechanism
Litigation is nothing but a judicial controversy. A contest in a court
of law where the proceeding is conducted for the purposes of enforcing a right
is litigation. Litigation requires timely and careful handling. The firm is
affiliated with Jam, Kinkar and Company, which is an experienced commercial
litigation law firm. Obtaining early advice may prevent expensive and
time-consuming litigation. It is better to have a fail-safe contract than spend
a great deal of money on lawsuit.
Areas of litigation expertise are —
6) Immigration
Laws
Immigration law refers to law governing the legal status of people in
matters pertaining to citizenship. The firm is engaged in providing legal
opinion with respect to Foreign Exchange Management Act, 1999 (FEMA), rules and
regulations under FEMA, Inward and Outward remittance to/from
7) Banking.
Finance and Insurance
The firm advices banks, financial institutions and companies in various
financing transactions, loans, legal due diligence, project financing and recovery.
In the area of corporate finance, the services encompass rights issues,
private placements, corporate restructuring, schemes of arrangement and advice
on security regulations which also includes:
8) Taxation
The Taxation practice comprises of two areas: indirect Tax and Direct
Tax. Direct tax primarily comprise of income tax on individuals and corporate
tax on companies. Indirect taxes are primarily levied on transactions relating
to goods and services. The firm’s services are as under:
The firm advises clients on excise, customs,
service tax, value added tax / central sales tax and goods and service tax.
The firm advises clients on income-tax including
non-resident taxation and related exchange control issues.
9) Environmental
laws
Environmental protection is a fundamental duty of every Indian citizen
under Article 51-A (g) of the Constitution, which states that every Indian citizen
should protect and improve the natural environment including forests, lakes,
rivers and wildlife and to have compassion for living creatures.
They provide legal services to the clients helping them to comply with
the following statutes at the time of establishing a business entity, industry,
or commencing a commercial/ business project in
10) Merger,
Acquisition. Joint venture, and Foreign collaboration
In order to cut costs and increase profits and boosting shareholders’
values, when two companies agree to go forward as a single new company rather
than remain separately owned and operated, merger takes place.
In order to generate cost efficiency through economies of scale, achieve
greater market share, greater efficiency, and increased tax efficiency, one
company takes over another and clearly established itself as the new owner; the
purchase is called an acquisition or take over.
In order to extend marketing reach, access needed information and
resources, build credibility with a particular target market, and access new
markets that would be inaccessible without the strategic partner, two companies
may agree to get into a strategic alliance pooling together their goods,
services and/or capital to a common commercial enterprise. Such alliance is a
joint venture. It can be a corporate or a contractual joint venture.
With Reserve Bank of India (RBI) approval and Department of Industrial
Development (DID), a business arrangement with financial collaboration (foreign
equity participation- where foreign equity alone is involved) and/or technical
collaboration (technology transfer involving licensing of technology by the
foreign collaborator on due compensation) can be preferred by Indian business
entrepreneurs/ business and industrial houses.
The firm provides the following services:
11) Information
Technology and Cyber Laws
With the advent of information technology, the growth in the legal
corporate has taken a drastic change.
A need has emerged for assisting the software and IT companies in the
modern legal scenario for their proper establishments and functioning.
The Firm provides with the legal expertise to companies focusing in
modern technology services. The legal expertise includes:
12) Family laws
Family law is an area of the law that deals with family-related issues
and domestic relations including matrimony matters.
The firm provides
the following services:
13) Project
finance
Project finance is the long term financing of infrastructure and
industrial projects. A project financing structure usually involves a number of
equity investors, known as sponsors, as well as a syndicate of banks or other
lending institutions that provide loans to the operation.
The firm advices the clients throughout the implementation process of a
project, including:
14) Trust Laws
A “trust” is an obligation annexed to the ownership of property, and
arising out of confidence reposed in and accepted by the owner, or declared and
accepted by him, for the benefit of another, or of another and the owner. The firm has experience of working with the
voluntary organization both charitable and non- charitable.
The firm has its expertise in the following areas —
15) Entertainment,
Media, and Sports Laws
In
The firm understands the business and effectively counsel and represents
the clients to protect their interests and reduce their risk.
The services include:
16) Private Equity
and Venture Capital Investment
Private equity, in finance, is an asset class consisting of equity
securities in operating companies that are not publicly traded on a stock
exchange whereas Venture capital (VC) is financial capital provided to
early-stage, high-potential, high risk, growth startup companies. All venture
capital is private equity, but not all private equity is venture capital.
The areas in which they provide legal advice include:
17) Electricity
Laws
Sanction from the Ministry of Power (MOP) is a mandatory requirement for
taking up any new project in
18) Capital
Markets and Securities Laws
A capital market is a market for securities, where companies and
governments can raise long-term funds. The capital market includes the stock
market (equity securities) and the bond market (debt). The Firm provides
Capital Markets and Securities Laws advice to its clients with regard to:
19) Competition
Laws
In
The firm advises clients on competition law regulatory and compliance
issues including:
Competition audit of business practices and arrangements.
ADVISORY BOARD
Sohan Jam is a law graduate
from Indian Law Society,
Surekha Kinkar is a law graduate
from the
Sunita Kinkar is a law graduate
from the
MANAGEMENT TEAM
Pankaj Jam is a law graduate
from
Sabyasachi Ghosh is a law graduate
from Law Faculty,
FIXED ASSETS
CMT REPORT (Corruption, Money Laundering and 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.49.25 |
|
|
1 |
Rs.76.75 |
|
Euro |
1 |
Rs.65.16 |
SCORE and RATING EXPLANATIONS
|
SCORE FACTORS |
RANGE |
POINTS |
|
HISTORY |
1~10 |
3 |
|
PAID-UP CAPITAL |
1~10 |
4 |
|
OPERATING SCALE |
1~10 |
3 |
|
FINANCIAL CONDITION |
|
|
|
--BUSINESS SCALE |
1~10 |
3 |
|
--PROFITABILIRY |
1~10 |
3 |
|
--LIQUIDITY |
1~10 |
3 |
|
--LEVERAGE |
1~10 |
3 |
|
--RESERVES |
1~10 |
3 |
|
--CREDIT LINES |
1~10 |
2 |
|
--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 |
YES |
|
--LISTED |
YES/NO |
NO |
|
--OTHER MERIT FACTORS |
YES/NO |
YES |
|
TOTAL |
|
27 |
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 and 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.