MIRA
INFORM REPORT
|
Report Date : |
04.06.2012 |
IDENTIFICATION DETAILS
|
Name : |
MAYFAIR POLLYMERS PRIVATE LIMITED |
|
|
|
|
Registered
Office : |
Mayfair Compound, |
|
|
|
|
Country : |
|
|
|
|
|
Financials (as
on) : |
31.03.2011 |
|
|
|
|
Date of
Incorporation : |
06.08.1992 |
|
|
|
|
Com. Reg. No.: |
04-018118 |
|
|
|
|
Capital
Investment / Paid-up Capital : |
Rs.11.800 millions
|
|
|
|
|
CIN No.: [Company Identification
No.] |
U25209GJ1992PTC018118 |
|
|
|
|
Legal Form : |
Private Limited Liability Company |
|
|
|
|
Line of Business
: |
Manufacturer of PVC and H.D.P.E. Pipes. |
|
|
|
|
No. of Employees
: |
50 (Approximately) |
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 99000 |
|
|
|
|
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.
INFORMATION PARTED BY (GENERAL DETAILS)
|
Name : |
Mr. Susmitbhai Sumantbhai Patel |
|
Designation : |
Director |
|
Contact No.: |
91-2772-240759 |
|
Date : |
02.06.2012 |
LOCATIONS
|
Registered Office/ Factory : |
Mayfair Compound, |
|
Tel. No.: |
91-2772-240750/ 244831/ 240059 |
|
Fax No.: |
91-2772-240362 |
|
E-Mail : |
|
|
Location : |
Rented |
DIRECTORS
As on 15.09.2011
|
Name : |
Mr. Susmitbhai Sumantbhai Patel |
|
Designation : |
Director |
|
Address : |
Mayfair Compound, N.H. No.8, Himatnagar – 383 001, |
|
Date of Birth/Age : |
07.08.1963 |
|
Date of Appointment : |
06.08.1992 |
|
DIN No.: |
00294964 |
|
|
|
|
Name : |
Mrs. Manisha Susmit Patel |
|
Designation : |
Director |
|
Address : |
Mayfair Compound, N.H. No.8, Himatnagar - 383 001, |
|
Date of Birth/Age : |
29.10.1967 |
|
Date of Appointment : |
06.08.1992 |
|
DIN No.: |
00295059 |
MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN
As on 15.09.2011
|
Names of Shareholders |
|
No. of Shares |
|
Susmit Sumant Patel |
|
28785 |
|
Sumant Somabhai Patel |
|
22400 |
|
Samir Sumant Patel |
|
29640 |
|
Manisha Susmit Patel |
|
3495 |
|
Priti Sumant Patel |
|
14255 |
|
Roma Susmit Patel |
|
2000 |
|
Rohan Susmit Patel |
|
1950 |
|
Rambhaben P. Sachaniya |
|
6005 |
|
Parshotam J. Sachaniya |
|
5 |
|
Samit P. Patel |
|
4460 |
|
Ilaben Surendra Patel |
|
301 |
|
Pratima Arvind Pandya |
|
1 |
|
Sonal Sumant Patel |
|
1 |
|
Sumant Somabhai Patel-HUF |
|
2001 |
|
Susmit Sumant Patel-HUF |
|
1 |
|
Sunita Samir Patel |
|
2400 |
|
Surendra Patel |
|
300 |
|
Total
|
|
118000 |
As on 15.09.2011
|
Equity Share Breakup |
|
Percentage of Holding |
|
Category |
|
|
|
Directors
or relatives of directors |
|
100.00 |
BUSINESS DETAILS
|
Line of Business : |
Manufacturer of PVC and H.D.P.E. Pipes. |
|
|
|
|
Products : |
v Rigid PVC ISI Pipes v Ringfit ISI Pipes v PVC SWR Pipes v PVC Plumbing Pipes –Blue/White v Casing Pipes –Blue/White v HDPE Pipes v Sprinkler Irrigation Pipes v HDPE PLB Cable Ducts |
|
|
|
|
Imports : |
|
|
Products : |
Raw Materials |
|
Countries : |
v
v
v
|
|
|
|
|
Terms : |
|
|
Selling : |
Cash and Credit |
|
|
|
|
Purchasing : |
Cash and Credit |
PRODUCTION STATUS (AS ON 31.03.2011)
|
Particulars |
Unit |
Actual
Production |
|
Rigid PVC Pipes (Inc. Scrape) |
Kgs. |
3578838 |
|
H.D.P.E. Pipes (Inc. Scrape) |
Mtrs. |
128589 |
|
|
|
|
GENERAL INFORMATION
|
Customers : |
Wholesalers and Retailers |
|||||||||||||||||||||||||||||||||
|
|
|
|||||||||||||||||||||||||||||||||
|
No. of Employees : |
50 (Approximately) |
|||||||||||||||||||||||||||||||||
|
|
|
|||||||||||||||||||||||||||||||||
|
Bankers : |
v
State Bank of v
State Bank of v
HDFC
Bank Limited |
|||||||||||||||||||||||||||||||||
|
|
|
|||||||||||||||||||||||||||||||||
|
Facilities : |
|
|
|
|
|
Banking
Relations : |
-- |
|
|
|
|
Financial Institution : |
Sundaram Finance
Limited |
|
|
|
|
Auditors : |
|
|
Name : |
Deepak R. Soni and Company Chartered Accountants |
|
Address : |
Opposite |
|
Tel. No.: |
91-2772-242780/ 242781 |
|
E-Mail : |
|
|
Income-tax
PAN of auditor or auditor's firm : |
ACDPS9854R |
CAPITAL STRUCTURE
As on 15.09.2011
Authorised Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
120000 |
Equity Shares |
Rs.100/- each |
Rs.12.000 millions |
|
|
|
|
|
Issued, Subscribed & Paid-up Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
118000 |
Equity Shares |
Rs.100/- each |
Rs.11.800
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 |
11.800 |
11.800 |
11.800 |
|
|
2] Share Application Money |
0.000 |
0.000 |
0.000 |
|
|
3] Reserves & Surplus |
12.877 |
9.530 |
6.956 |
|
|
4] (Accumulated Losses) |
0.000 |
0.000 |
0.000 |
|
|
NETWORTH |
24.677 |
21.330 |
18.756 |
|
|
LOAN FUNDS |
|
|
|
|
|
1] Secured Loans |
24.286 |
17.121 |
11.919 |
|
|
2] Unsecured Loans |
29.231 |
28.554 |
25.982 |
|
|
TOTAL BORROWING |
53.517 |
45.675 |
37.901 |
|
|
DEFERRED TAX LIABILITIES |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
78.194 |
67.005 |
56.657 |
|
|
|
|
|
|
|
|
APPLICATION OF FUNDS |
|
|
|
|
|
|
|
|
|
|
|
FIXED ASSETS [Net Block] |
24.590 |
15.193 |
7.955 |
|
|
Capital work-in-progress |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
INVESTMENT |
0.010 |
0.010 |
0.010 |
|
|
DEFERRED TAX ASSETS |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
CURRENT ASSETS, LOANS & ADVANCES |
|
|
|
|
|
|
Inventories |
39.602
|
27.994 |
20.946
|
|
|
Sundry Debtors |
23.645
|
30.714 |
33.573
|
|
|
Cash & Bank Balances |
0.556
|
1.876 |
1.087
|
|
|
Other Current Assets |
0.000
|
0.000 |
0.000
|
|
|
Loans & Advances |
22.584
|
11.260 |
7.837
|
|
Total
Current Assets |
86.387
|
71.844 |
63.443 |
|
|
Less : CURRENT
LIABILITIES & PROVISIONS |
|
|
|
|
|
|
Sundry Creditors |
26.343 |
13.742 |
8.457 |
|
|
Other Current Liabilities |
4.273
|
4.411 |
4.906
|
|
|
Provisions |
2.177
|
1.889 |
1.388
|
|
Total
Current Liabilities |
32.793
|
20.042 |
14.751 |
|
|
Net Current Assets |
53.594
|
51.802 |
48.692
|
|
|
|
|
|
|
|
|
MISCELLANEOUS EXPENSES |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
78.194 |
67.005 |
56.657 |
|
PROFIT & LOSS
ACCOUNT
|
|
PARTICULARS |
31.03.2011 |
31.03.2010 |
31.03.2009 |
|
|
|
SALES |
|
|
|
|
|
|
|
Income |
226.775 |
150.460 |
127.549 |
|
|
|
Other Income |
5.978 |
12.118 |
|
|
|
|
TOTAL (A) |
232.753 |
162.578 |
127.549 |
|
|
|
|
|
|
|
|
Less |
EXPENSES |
|
|
|
|
|
|
|
|
222.374 |
|
|
|
|
|
Administrative Expenses |
|
|
|
|
|
|
Advertising Expenses |
|
|
|
|
|
|
TOTAL (B) |
222.374 |
151.166 |
120.761 |
|
|
|
|
|
|
|
|
Less |
PROFIT
BEFORE INTEREST, TAX, DEPRECIATION AND AMORTISATION (A-B) (C) |
10.379 |
11.412 |
6.788 |
|
|
|
|
|
|
|
|
|
Less |
INTEREST (D) |
2.153 |
5.602 |
3.120 |
|
|
|
|
|
|
|
|
|
|
PROFIT
BEFORE TAX, DEPRECIATION AND AMORTISATION (C-D) (E) |
8.226 |
5.810 |
3.668 |
|
|
|
|
|
|
|
|
|
Less/ Add |
DEPRECIATION/
AMORTISATION (F) |
3.471 |
2.092 |
1.126 |
|
|
|
|
|
|
|
|
|
|
PROFIT BEFORE
TAX (E-F) (G) |
4.755 |
3.718 |
2.542 |
|
|
|
|
|
|
|
|
|
Less |
TAX (H) |
1.408 |
1.143 |
0.806 |
|
|
|
|
|
|
|
|
|
|
PROFIT AFTER TAX
(G-H) (I) |
3.347 |
2.575 |
1.736 |
|
|
|
|
|
|
|
|
|
|
IMPORTS |
|
|
|
|
|
|
|
Raw Materials |
140.455 |
81.915 |
46.630 |
|
|
TOTAL IMPORTS |
140.455 |
81.915 |
46.630 |
|
|
|
|
|
|
|
|
|
|
Earnings Per
Share (Rs.) |
28.36 |
21.82 |
29.35 |
|
KEY RATIOS
|
PARTICULARS |
|
31.03.2011 |
31.03.2010 |
31.03.2009 |
|
PAT / Total Income |
(%) |
1.44
|
1.58 |
1.36
|
|
|
|
|
|
|
|
Net Profit Margin (PBT/Sales) |
(%) |
2.10
|
2.47 |
NA
|
|
|
|
|
|
|
|
Return on Total Assets (PBT/Total Assets} |
(%) |
4.28
|
4.27 |
3.56
|
|
|
|
|
|
|
|
Return on Investment (ROI) (PBT/Networth) |
|
0.19
|
0.17 |
0.14
|
|
|
|
|
|
|
|
Debt Equity Ratio (Total Liability/Networth) |
|
3.50
|
3.08 |
2.81
|
|
|
|
|
|
|
|
Current Ratio (Current Asset/Current Liability) |
|
2.63
|
3.58 |
4.30
|
LOCAL AGENCY FURTHER INFORMATION
Details of Sundry Creditors:
|
Particulars |
31.03.2011 (Rs. in millions) |
31.03.2010 (Rs. in millions) |
31.03.2009 (Rs. in millions) |
|
Sundry Creditors |
|
|
|
|
- Creditors for goods and revenue expenses |
26.074 |
13.079 |
8.457 |
|
- Sundry Creditors for Expenses |
0.269 |
0.000 |
0.000 |
|
- Creditor for Capital Expenditure |
0.000 |
0.663 |
0.000 |
|
Total |
26.343 |
13.742 |
8.457 |
|
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 |
No |
|
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 |
No |
|
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 |
FINANCIAL RESULT:
During the year company has achieved turnover of Rs.226.775 millions compared to Rs.150.460 millions of previous
year. After considering all the expenses,
company has achieved profit
of Rs.4.755 millions after providing interest of Rs.2.153 millions and depreciation to the tune of Rs.3.471 millions during
the year.
Company has started getting success in achieving better market share and is continuously making its efforts to reachieve still better market share.
Bankers Charges
Report as per Registry
|
Corporate
identity number of the company |
U25209GJ1992PTC018118 |
|
Name of the
company |
MAYFAIR POLLYMERS
PRIVATE LIMITED |
|
Address of the
registered office or of the principal place of business in |
Mayfair Compound, E-Mail: smayfair5@rediffmail.com |
|
This form is for |
Modification of
charge |
|
Charge
identification number of the modified |
10129334 |
|
Type of charge |
Book Debts Movable Property
(not being pledge) Floating Charge Others (All stock
in trade and receivables.) |
|
Particular of
charge holder |
State Bank of E-Mail: sbi.60367@sbi.co.in |
|
Nature of
instrument creating charge |
Supplemental
Agreement of Loan -cum - Hypothecation. |
|
Date of
instrument Creating the charge |
02.11.2010 |
|
Amount secured by
the charge |
Rs.90.500 millions
|
|
Brief of the
principal terms an conditions and extent and operation of the charge |
Rate of Interest: Interest shall be
paid by the Borrower to the Bank based on the CRA rating of the Borrower, presently
SB-9, i.e. (i) WC @ 6.75 % above Base Rate and (ii) 7.25 % above Base Rate. Terms of
Repayment: (i) The enhanced
Working Capital limit of Rs.81.500 millions is repayable on demand whereas (ii) (ii) Fresh
Term Loan of Rs.9.000 millions is repayable in 36 Monthly installments of
Rs.0.250 million each commencing from April, 2011 together with all interest,
costs, charges, expenses and other monies thereon payable by the Borrower to
the Bank on the outstanding of the said WC or TL as the may be applicable. Margin: The Borrower
shall maintain such margin of security as under : (A) WC (i) 25% on RM, SIP and FG, (ii) 50% on
Receivables, (iii) 15% on LC and (iv) 25% on BG. (B) TL (i) 25% on
Plant and Machinery, (ii) 28.60% on Electrical Installations and (iii) 10 and
on Land, Building and Furniture. Extent and
Operation of the charge: The assets
hypothecated and charged in favour of the Bank under the Agreement dated
18.10.2006 and Supplemental Agreement dated 03.12.2007, 04.11.2009 and
10.02.2010 shall stand charged in favour of the Bank as a continuing security
by way of First charge for the due repayment of all monies including enhanced
principal sums of Rs.90.500 millions, interest, costs, charges, expenses and
other monies thereon in respect of the enhanced limits including additional
facilities now granted by the Bank. Others: The security
created in favour of the Bank under the said Agreements shall stand charged
in favour of the Bank as primary security for the due repayment of all monies
including principal sums of Rs.90.500 millions [comprising of (i) CC
Hypothecation Rs.17.500 millions (with sub limits of ODBD of Rs.4.000
millions) and (ii) LC limit of Rs.60.000 millions, Bank Guarantee of Rs.4.000
millions and Fresh TL of Rs.9.000 millions] interest, costs, charges,
expenses and other monies payable thereon. |
|
Short particular
of the property or asset(s) charged |
(i) All the
present and future goods, book debts and all other movable assets of the Borrower
including documents of titles to the goods, outstanding moneys, receivables,
claims, bills, invoices, documents, contracts, insurance policies,
guarantees, engagements, securities, investments and rights and AND (ii) The
present and future machinery of the Borrower including all the machinery
purchased out of Term Loan granted or to be granted by the Bank to the
Borrower and all existing machineries all (i) and (ii) situated at Mayfair
Compound, |
|
Particulars of
the present modification |
The original
charge of Rs.20.000 millions on assets hypothecated and charged in favour of
the Bank under the Agreement dated 18.10.06 and modified to Rs.34.000
millions on 03.12.07, upto Rs.47.500 millions on 04.11.09 and lastly upto
Rs.67.500 millions on 10.02.2010 shall stand charged in favour of the Bank by
way of First charge for the due repayment of all monies enhanced principal
sum to Rs.90.500 millions together with interest, expenses in respect of all
or any of the said enhanced limits. |
FIXED ASSETS
v Land
v Plant – Machineries and Electrical Installation
v Building (Factory)
v Lab Equipments
v Computers
v Vehicles
v Office Equipment
v Furniture and Fixture
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.55.92 |
|
|
1 |
Rs.86.03 |
|
Euro |
1 |
Rs.69.13 |
INFORMATION DETAILS
|
Information
Gathered by : |
PJA |
|
|
|
|
Report Prepared
by : |
SMN |
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.