MIRA
INFORM REPORT
|
Report Date : |
05.06.2012 |
IDENTIFICATION DETAILS
|
Name : |
G D SPRING MANUFACTURING COMPANY PRIVATE LIMITED |
|
|
|
|
Registered
Office : |
|
|
|
|
|
Country : |
|
|
|
|
|
Financials (as
on) : |
31.03.2011 |
|
|
|
|
Date of
Incorporation : |
18.01.1989 |
|
|
|
|
Com. Reg. No.: |
21-046012 |
|
|
|
|
Capital
Investment / Paid-up Capital : |
Rs.6.715 millions |
|
|
|
|
CIN No.: [Company Identification
No.] |
U28931WB1989PTC046012 |
|
|
|
|
TAN No.: [Tax Deduction &
Collection Account No.] |
CALG03901C |
|
|
|
|
PAN No.: [Permanent Account No.] |
AAACG9357M |
|
|
|
|
Legal Form : |
Private Limited Liability Company |
|
|
|
|
Line of Business
: |
Manufacturer and Trader of steel spring Engineering Goods. |
|
|
|
|
No. of Employees
: |
40 (Approximately) |
RATING & COMMENTS
|
MIRA’s Rating : |
Ba (46) |
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
41-55 |
Ba |
Overall operation is considered normal. Capable to meet normal
commitments. |
Satisfactory |
|
Maximum Credit Limit : |
USD 146000 |
|
|
|
|
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 – 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. Dibyendu |
|
Designation : |
Accountant |
|
Contact No.: |
91-33-22682702 |
|
Date : |
07.04.2012 |
LOCATIONS
|
Registered Office/ Factory : |
Howrah Amta Road, Balikuri, Howrah - 711113, West Bengal, India |
|
Registered Office Tel. No.: |
91-33-2271-2869/ 22682702/ 65407162 |
|
Factory Tel. No.: |
91-33-2653-3863/ 1040/ 8731 |
|
Fax No.: |
91-33-22710855/ 22710855/ 22680062 |
|
E-Mail : |
|
|
Location : |
Owned |
|
|
|
|
Head Office : |
30, Ganesh Chandra Avenue, 2nd Floor, Flate No.6, Kolkata –
700013, West Bengal, India |
|
Tel. No.: |
91-33-40066018 |
|
E-Mail : |
DIRECTORS
As on 30.09.2011
|
Name : |
Mr. Sankar Prasad Das |
|||||||||||||||||||||||||||||||||||||||||||||
|
Designation : |
Director |
|||||||||||||||||||||||||||||||||||||||||||||
|
Address : |
52- A, Prabhati Ghose, Lane, Kolkata – 700007, West Bengal, India |
|||||||||||||||||||||||||||||||||||||||||||||
|
Date of Birth/Age : |
02.01.1952 |
|||||||||||||||||||||||||||||||||||||||||||||
|
Date of Appointment : |
18.01.1989 |
|||||||||||||||||||||||||||||||||||||||||||||
|
DIN No.: |
00302826 |
|||||||||||||||||||||||||||||||||||||||||||||
|
Other directorship
:
|
||||||||||||||||||||||||||||||||||||||||||||||
|
Name : |
Mr. Ranjan Prasad Das |
|||||||||||||||||||||||||||||||||||||||||||||
|
Designation : |
Managing Director |
|||||||||||||||||||||||||||||||||||||||||||||
|
Address : |
52- A, Prabhati Ghose, Lane, Kolkata – 700007, West Bengal, India |
|||||||||||||||||||||||||||||||||||||||||||||
|
Date of Birth/Age : |
24.07.1966 |
|||||||||||||||||||||||||||||||||||||||||||||
|
Date of Appointment : |
14.05.1990 |
|||||||||||||||||||||||||||||||||||||||||||||
|
DIN No.: |
00302701 |
|||||||||||||||||||||||||||||||||||||||||||||
|
Other directorship
:
|
||||||||||||||||||||||||||||||||||||||||||||||
|
Name : |
Mr. Uttam Kumar Das |
|||||||||||||||||||||||||||||||||||||||||||||
|
Designation : |
Director |
|||||||||||||||||||||||||||||||||||||||||||||
|
Address : |
6, Bechu Chatterjee, street, Kolkata – 700009, Wet Bengal, India |
|||||||||||||||||||||||||||||||||||||||||||||
|
Date of Birth/Age : |
01.01.1975 |
|||||||||||||||||||||||||||||||||||||||||||||
|
Date of Appointment : |
28.05.2001 |
|||||||||||||||||||||||||||||||||||||||||||||
|
DIN No.: |
00302560 |
|||||||||||||||||||||||||||||||||||||||||||||
|
Other directorship
:
|
||||||||||||||||||||||||||||||||||||||||||||||
|
Name : |
Mr. Goutam Das |
|||||||||||||||||||||||||||||||||||||||||||||
|
Designation : |
Director |
|||||||||||||||||||||||||||||||||||||||||||||
|
Address : |
6, Bechu Chatterjee, street, Kolkata – 700009, Wet Bengal, India |
|||||||||||||||||||||||||||||||||||||||||||||
|
Date of Birth/Age : |
19.08.1968 |
|||||||||||||||||||||||||||||||||||||||||||||
|
Date of Appointment : |
01.04.1994 |
|||||||||||||||||||||||||||||||||||||||||||||
|
DIN No.: |
00302642 |
|||||||||||||||||||||||||||||||||||||||||||||
|
Other directorship
:
|
||||||||||||||||||||||||||||||||||||||||||||||
|
Name : |
Mr. Debi Prasad Das |
|||||||||||||||||||||||||||||||||||||||||||||
|
Designation : |
Director |
|||||||||||||||||||||||||||||||||||||||||||||
|
Address : |
52- A, Prabhati Ghose, Lane, Kolkata – 700007, West Bengal, India |
|||||||||||||||||||||||||||||||||||||||||||||
|
Date of Birth/Age : |
12.05.1954 |
|||||||||||||||||||||||||||||||||||||||||||||
|
Date of Appointment : |
18.01.1989 |
|||||||||||||||||||||||||||||||||||||||||||||
|
DIN No.: |
00302763 |
|||||||||||||||||||||||||||||||||||||||||||||
|
Other
directorship :
|
||||||||||||||||||||||||||||||||||||||||||||||
MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN
As on 30.09.2011
|
Names of Shareholders |
|
No. of Shares |
|
Das Prasad Ranjan |
|
2920 |
|
Das Chandra |
|
1110 |
|
Das Gitarani |
|
1120 |
|
Das Runa |
|
1010 |
|
Das Prasad Sankar |
|
4120 |
|
Das Debi |
|
4520 |
|
Das Gautam |
|
5100 |
|
Das Uttam |
|
2700 |
|
Das SMT Subha |
|
1000 |
|
Samanta KR Pravas |
|
1100 |
|
Roy Kumar Ajit |
|
1400 |
|
Hazra Prasad Abani |
|
600 |
|
Maity Kumar Bijoy |
|
550 |
|
Das Gautam |
|
700 |
|
Das SMT Ratna |
|
300 |
|
Patra SMT Namita |
|
300 |
|
Patra Anup |
|
300 |
|
Blossom Barter priv |
|
26600 |
|
Krishna Dealtrade |
|
11700 |
|
Total |
|
67150 |
As on 30.09.2011
Equity Share Break up (Percentage of Total Equity)
|
Category |
Percentage |
|
Bodies corporate |
57.00 |
|
Directors or relatives of Directors |
43.00 |
|
Total |
100.00 |
BUSINESS DETAILS
|
Line of Business : |
Manufacturer and Trader of steel spring Engineering Goods. |
|
|
|
|
Product : |
·
Belle Ville Washer ·
Bolster Spring ·
Coil Spring ·
Disc Spring ·
Helical Compression Spring ·
Leaf Spring ·
Spring Assembly Suspension Spring ·
Tension Spring ·
Torsion Spring ·
Wave Washer |
|
|
|
|
Terms : |
|
|
Selling : |
Cash / Credit |
|
|
|
|
Purchasing : |
Cash / Credit |
GENERAL INFORMATION
|
Suppliers : |
·
Sunplug ·
Upper India |
|||||||||||||||
|
|
|
|||||||||||||||
|
Customers : |
·
Indian Railway |
|||||||||||||||
|
|
|
|||||||||||||||
|
No. of Employees : |
40 (Approximately) |
|||||||||||||||
|
|
|
|||||||||||||||
|
Bankers : |
· The Federal Bank Ltd, P B No 87, 158/6, Belilious Road, Howrah – 711101, West Bengal, India · Axis Bank Limited, Dalhousie Square, Branch, India · State Bank of India, Howrah, West Bengal, India · United Bank of India |
|||||||||||||||
|
|
|
|||||||||||||||
|
Facilities : |
|
|
|
|
|
Banking
Relations : |
-- |
|
|
|
|
Auditors : |
|
|
Name : |
Burman Singh and Associates Chartered Accountants |
|
Address : |
30 Ganesh Chandra Avenue, 2nd Floor Flat 6, Kolkata – 700013, West
Bengal, India |
|
PAN.: |
AAIFB1261G |
CAPITAL STRUCTURE
As on 31.03.2011
Authorised Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
|
|
|
|
|
100000 |
Equity Shares |
Rs.100/- each |
Rs.10.000 millions |
|
|
|
|
|
|
|
|
|
|
Issued, Subscribed & Paid-up Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
|
|
|
|
|
67150 |
Equity Shares |
Rs.100/-
each |
Rs.6.715
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 |
6.715 |
5.805 |
2.915 |
|
|
2] Share Application Money |
0.000 |
0.000 |
0.000 |
|
|
3] Reserves & Surplus |
29.825 |
23.432 |
8.010 |
|
|
4] (Accumulated Losses) |
0.000 |
0.000 |
0.000 |
|
|
NETWORTH |
36.540 |
29.237 |
10.925 |
|
|
LOAN FUNDS |
|
|
|
|
|
1] Secured Loans |
0.000 |
0.000 |
3.330 |
|
|
2] Unsecured Loans |
2.460 |
0.060 |
0.060 |
|
|
TOTAL BORROWING |
2.460 |
0.060 |
3.390 |
|
|
DEFERRED TAX LIABILITIES |
0.252 |
0.212 |
0.174 |
|
|
|
|
|
|
|
|
TOTAL |
39.252 |
29.509 |
14.489 |
|
|
|
|
|
|
|
|
APPLICATION OF FUNDS |
|
|
|
|
|
|
|
|
|
|
|
FIXED ASSETS [Net Block] |
5.058 |
3.106 |
1.437 |
|
|
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 |
11.417
|
10.990 |
9.895 |
|
|
Sundry Debtors |
12.444
|
10.322 |
5.359 |
|
|
Cash & Bank Balances |
14.193
|
6.430 |
4.151 |
|
|
Other Current Assets |
0.000
|
0.000 |
0.000 |
|
|
Loans & Advances |
4.031
|
4.847 |
2.418 |
|
Total
Current Assets |
42.085
|
32.589 |
21.823 |
|
|
Less : CURRENT
LIABILITIES & PROVISIONS |
|
|
|
|
|
|
Sundry Creditors |
5.606
|
1.888 |
6.851 |
|
|
Other Current Liabilities |
0.343
|
0.694 |
0.226 |
|
|
Provisions |
1.942
|
3.604 |
1.694 |
|
Total
Current Liabilities |
7.891
|
6.186 |
8.771 |
|
|
Net Current Assets |
34.194
|
26.403 |
13.052 |
|
|
|
|
|
|
|
|
MISCELLANEOUS EXPENSES |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
39.252 |
29.509 |
14.489 |
|
PROFIT & LOSS
ACCOUNT
|
|
PARTICULARS |
31.03.2011 |
31.03.2010 |
31.03.2009 |
|
|
|
SALES |
|
|
|
|
|
|
|
Income |
|
|
|
|
|
|
Other Income |
|
|
|
|
|
|
TOTAL (A) |
70.722 |
105.518 |
66.025 |
|
|
|
|
|
|
|
|
Less |
EXPENSES |
|
|
|
|
|
|
|
Office Expenses |
|
|
|
|
|
|
Administrative Expenses |
|
|
|
|
|
|
Advertising Expenses |
|
|
|
|
|
|
TOTAL (B) |
66.752 |
99.309 |
63.041 |
|
|
|
|
|
|
|
|
|
PROFIT BEFORE
TAX |
3.970 |
6.209 |
2.984 |
|
|
|
|
|
|
|
|
|
Less |
TAX |
1.218 |
1.948 |
0.965 |
|
|
|
|
|
|
|
|
|
|
PROFIT AFTER TAX
(G-I) |
2.752 |
4.261 |
2.019 |
|
|
|
|
|
|
|
|
|
|
Earnings Per
Share (Rs.) |
47.40 |
145.77 |
Na
|
|
|
Particulars |
31.03.2012 |
|
Sales Turnover (Approximately) |
120.000 |
|
|
|
The above information has been parted by Mr. Dibyendu.
KEY RATIOS
|
PARTICULARS |
|
31.03.2011 |
31.03.2010 |
31.03.2009 |
|
PAT / Total Income |
(%) |
3.89
|
4.04 |
3.05 |
|
|
|
|
|
|
|
Return on Total Assets (PBT/Total Assets} |
(%) |
8.42
|
17.39 |
9.75 |
|
|
|
|
|
|
|
Debt Equity Ratio (Total Liability/Networth) |
|
0.28
|
0.21 |
1.11 |
|
|
|
|
|
|
|
Return on Investment (ROI) (PBT/Networth) |
|
0.11
|
0.21 |
0.27 |
|
|
|
|
|
|
|
Current Ratio (Current Asset/Current Liability) |
|
5.33
|
5.27 |
0.32 |
LOCAL AGENCY FURTHER INFORMATION
|
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 |
Yes |
|
18) Major customers |
Yes |
|
19) Payments terms |
Yes |
|
20) Export / Import details (if applicable) |
No |
|
21) Market information |
-- |
|
22) Litigations that the firm / promoter |
-- |
|
23) Banking Details |
Yes |
|
24) Banking facility details |
No |
|
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 |
Bankers Charges Report
as per Registry
|
Corporate
identity number of the company |
U28931WB1989PTC046012 |
|
Name of the
company |
G D Spring
Manufacturing Company Private Limited |
|
Address of the
registered office or of the principal place of business in |
Howrah Amta Road, Balikuri, Howrah - 711113, West Bengal, India |
|
This form is for |
Modification of charge |
|
Charge identification
(ID) number of the charge to be modified |
90254030 |
|
Type of charge |
Assets
acquired/to be acquired under LC & F.D. |
|
Particular of
charge holder |
The Federal Bank Ltd, P B No 87, 158/6, Belilious Road, Howrah – 711101, West Bengal, India |
|
Nature of
instrument creating charge |
·
Agreement
for Inland Letter of Credit. ·
Agreement
for Overdraft. |
|
Date of
instrument Creating the charge |
16.03.2010 |
|
Amount secured by
the charge |
|
|
Brief of the
principal terms an conditions and extent and operation of the charge |
Rate of Interest Cash Credit :
11.25% p.a. Terms of Repayment Working Capital
Limit is repayable on demand. Margin As stipulated by
the Bank for the respective assets
from time to time. Margin : 10%. Extent and Operation of the charge The charge
operates as first charge basis on the whole of the hypothecated assets of the
Company, both present and future including fixed deposit to secure the
maximum amount under the said charge fixed at Rs.88.00 Lac together with
interest, costs and charges thereon. Others The Borrower shall
not do or allow anything which may prejudice the security and shall comply
with the terms and conditions of the Agreements. |
|
Short particulars
of the property or asset(s) charged (including complete address and location
of the property) |
Assets acquired/to
be acquired under LC. Fixed deposit
value of Rs.6.215 millions |
|
Date of
instrument modifying the charge |
10.07.2008 |
|
Particulars of
the present modification |
By the
modification, the overall limit is reduced from Rs.12.800 millions to Rs.8.800
millions as stated under:- Cash Credit : Rs.2.800 millions Letter of Credit
: Rs.6.000 millions Overall
Limit : Rs.8.800 millions |
FIXED ASSETS
·
Plant and machinery
·
Tools and Implement
·
Factory Shed
·
Laboratory Equipment
·
Computer
·
Telephone
TRADE REFERENCES
·
Indian Railway
·
Sunplug
·
Upper India
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 |
|
|
|
|
|
INFORMATION DETAILS
|
Information
Gathered by : |
PDT |
|
|
|
|
Report Prepared
by : |
DPK |
SCORE & RATING EXPLANATIONS
|
SCORE FACTORS |
RANGE |
POINTS |
|
HISTORY |
1~10 |
6 |
|
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 |
NO |
|
--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 |
|
46 |
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.