1. Summary Information
|
|
|
Country |
|
|
Company Name |
HAMILTON WRITING
INSTRUMENTS PRIVATE LIMITED |
Principal Name 1 |
MR. AJAY DINESH VAGHANI |
|
Status |
MODERATE |
Principal Name 2 |
MS. MANISHA AJAY VAGHANI |
|
|
|
Registration # |
11-157829 |
|
Street Address |
|
||
|
Established Date |
06.12.2005 |
SIC Code |
-- |
|
Telephone# |
91-22-22624444 |
Business Style 1 |
MANUFACTURER |
|
Fax # |
NOT AVAILABLE |
Business Style 2 |
EXPORTER |
|
Homepage |
NOT AVAILABLE |
Product Name 1 |
BALL POINT PENS |
|
# of employees |
NOT AVAILABLE |
Product Name 2 |
REFILLS |
|
Paid up capital |
RS.97,210,000/- |
Product Name 3 |
STATIONERY |
|
Shareholders |
FOREIGN HOLDINGS-8.54% BODIES CORPORATE-84.63% DIRECTORS OR RELATIVES OF DIRECTORS-6.83% |
Banking |
STATE BANK OF |
|
Public Limited Corp. |
NO |
Business Period |
6 YEARS |
|
IPO |
NO |
International Ins. |
-- |
|
Public |
NO |
Rating |
B
(35) |
|
Related
Company |
|||
|
Relation
|
Country
|
Company
Name |
CEO |
|
HOLDING COMPANY |
|
HAMILTON HOUSEWARES PRIVATE LIMITED |
-- |
|
Note |
-- |
||
2. Summary
Financial Statement
|
Balance Sheet as of |
31.03.2011 |
(Unit: Indian Rs.) |
|
|
Assets |
Liabilities |
||
|
Current Assets |
98,327,000
|
Current Liabilities |
99,983,000
|
|
Inventories |
169,901,000
|
Long-term Liabilities |
121,957,000 |
|
Fixed Assets |
117,469,000 |
Other Liabilities |
5,683,000 |
|
Deferred Assets |
0,000 |
Total Liabilities |
227,623,000 |
|
Invest& other Assets |
1,246,000 |
Retained Earnings |
42,110,000 |
|
|
|
Net Worth |
159,320,000 |
|
Total Assets |
386,943,000 |
Total Liab. & Equity |
386,943,000 |
|
Total Assets (Previous Year) |
264,579,000 |
|
|
|
P/L Statement as of |
31.03.2011 |
(Unit: Indian Rs.) |
|
|
Sales |
337,241,000 |
Net Profit |
8,459,000 |
|
Sales(Previous yr) |
202,954,000 |
Net Profit(Prev.yr) |
6,218,000 |
MIRA
INFORM REPORT
|
Report Date : |
19.05.2012 |
IDENTIFICATION DETAILS
|
Name : |
HAMILTON WRITING INSTRUMENTS PRIVATE LIMITED (w.e.f. 24.08.2007) |
|
|
|
|
Formerly Known
As : |
HAMILTON NETWORKS PRIVATE LIMITED |
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Registered
Office : |
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Country : |
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|
|
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|
Financials (as
on) : |
31.03.2011 |
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|
Date of
Incorporation : |
06.12.2005 |
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|
|
|
Com. Reg. No.: |
11-157829 |
|
|
|
|
Capital Investment
/ Paid-up Capital : |
Rs.97.210
millions |
|
|
|
|
CIN No.: [Company Identification
No.] |
U74130MH2005PTC157829 |
|
|
|
|
TAN No.: [Tax Deduction &
Collection Account No.] |
MUMH09461E |
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|
|
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PAN No.: [Permanent Account No.] |
AABCH6328L |
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|
|
Legal Form : |
Private Limited Liability Company |
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|
|
Line of Business
: |
Manufacturer and Exporter of Ball Point Pens. |
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|
|
|
No. of Employees
: |
Not Available |
RATING & COMMENTS
|
MIRA’s Rating : |
B (35) |
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
26-40 |
B |
Capability to overcome financial difficulties seems comparatively
below average. |
Small |
|
Maximum Credit Limit : |
USD 637000 |
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|
|
Status : |
Moderate |
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Payment Behaviour : |
Slow but correct |
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Litigation : |
Clear |
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|
Comments : |
Subject is an established company having moderate track. Trade
relations are reported as fair. Business is active. Payments are reported to
be slow but correct. The company can be considered for business dealings with slight
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 |
LOCATIONS
|
Registered Office : |
|
|
Tel. No.: |
91-22-22624444 |
|
Fax No.: |
Not Available |
|
E-Mail : |
DIRECTORS
As on 02.09.2011
|
Name : |
Mr. Ajay Dinesh Vaghani |
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|
Designation : |
Director |
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|
Address : |
203, Panorama, Third Floor, Walkeshwar, Mumbai - 400 006, |
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Date of Birth/Age : |
08.08.1966 |
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|
Experience : |
20 Years |
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Date of Appointment : |
06.12.2005 |
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|
DIN No.: |
00186764 |
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Other Directorship :
|
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|
Name : |
Ms. Manisha Ajay Vaghani |
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|
Designation : |
Director |
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|
Address : |
203, Panorama, Third Floor, Walkeshwar, Mumbai - 400 006, |
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Date of Birth/Age : |
19.04.1967 |
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|
Date of Appointment : |
06.12.2005 |
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|
DIN No.: |
00202603 |
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Other Directorship :
|
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MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN
As on 02.09.2011
|
Names of Shareholders |
No. of Shares |
Percentage of Holding |
|
Ajay Dinesh Vaghani |
404999 |
3.46 |
|
Manisha Vaghani |
185000 |
1.58 |
|
Hamilton Housewares Private Limited, |
9370000 |
79.94 |
|
Hamilton Consultants Private Limited, |
350000 |
2.99 |
|
Ajay D. Vaghani HUF |
210000 |
1.79 |
|
Ananya Realty Private Limited, |
100000 |
0.85 |
|
Annandita Relaty Private Limited, |
100000 |
0.85 |
|
United International General Trading FZE, UAE |
1001000 |
8.54 |
|
Minal Madhup Vaghani |
1 |
0.00 |
|
Total |
11721000 |
100.00 |
As on 02.09.2011
|
Equity Share Breakup |
|
Percentage of Holding |
|
Category |
|
|
|
Foreign holdings [Foreign institutional investors, Foreign Companies, Foreign Financial Institutions, Non-resident Indian or Overseas corporate bodies or others] |
|
8.54 |
|
Bodies
corporate |
|
84.63 |
|
Directors
or relatives of directors |
|
6.83 |
|
Total |
|
100.00 |
BUSINESS DETAILS
|
Line of Business : |
Manufacturer and Exporter of Ball Point Pens. |
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Products : |
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Brand Names : |
CLARO |
PRODUCTION STATUS (AS ON 31.03.2011)
|
Particulars |
Licensed
Capacity |
Installed
Capacity |
Actual
Production (Pcs In Lacs) |
|
Ball Pens |
N.A. |
** |
1,080.97 |
|
Ball Pen Refills |
N.A. |
** |
2.00 |
** The company's
products are of various shapes and sizes, hence there is no proper measure to
assess and indicate the same.
No specific
licence is required for the manufacture of products mentioned above.
GENERAL INFORMATION
|
No. of Employees : |
Not Available |
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Bankers : |
State Bank of |
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Facilities : |
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Banking
Relations : |
-- |
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Auditors : |
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|
Name : |
Mehta Chokshi and Shah Chartered Accountants |
|
Address : |
A-101, Aadeshwar, |
|
Tel. No.: |
91-22-28930501/ 28930503 |
|
Fax No.: |
91-22-28930503 |
|
Income-tax
PAN of auditor or auditor's firm : |
AAAFM5817F |
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Holding Company
: |
Hamilton Housewares Private Limited, |
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|
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Directors / Relatives of Directors who are
Directors of the Company and/ or Controlling major shareholding and entity
controlled by a Director : |
v
Hamilton Consultant Private Limited v
Annandita Realty Private Limited v
Ananya Realty Private Limited |
CAPITAL STRUCTURE
As on 02.09.2011
Authorised Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
12000000 |
Equity Shares |
Rs.10/- each |
Rs.120.000 millions |
|
|
|
|
|
Issued, Subscribed & Paid-up Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
11721000 |
Equity Shares |
Rs.10/- each |
Rs.117.210
millions |
|
|
|
|
|
As on 31.03.2011
Authorised Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
10000000 |
Equity Shares |
Rs.10/- each |
Rs.100.000 millions |
|
|
|
|
|
Issued, Subscribed & Paid-up Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
9721000 |
Equity Shares |
Rs.10/- each |
Rs.97.210
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 |
97.210 |
97.210 |
47.010 |
|
|
2] Share Application Money (Pending Allotment) |
20.000 |
20.000 |
0.000 |
|
|
3] Reserves & Surplus |
42.110 |
33.651 |
34.034 |
|
|
4] (Accumulated Losses) |
0.000 |
0.000 |
(6.601) |
|
|
NETWORTH |
159.320 |
150.861 |
74.443 |
|
|
LOAN FUNDS |
|
|
|
|
|
1] Secured Loans |
73.464 |
50.685 |
39.216 |
|
|
2] Unsecured Loans |
48.493 |
26.676 |
4.649 |
|
|
TOTAL BORROWING |
121.957 |
77.361 |
43.865 |
|
|
DEFERRED TAX LIABILITIES |
5.683 |
0.694 |
0.000 |
|
|
|
|
|
|
|
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TOTAL |
286.960 |
228.916 |
118.308 |
|
|
|
|
|
|
|
|
APPLICATION OF FUNDS |
|
|
|
|
|
|
|
|
|
|
|
FIXED ASSETS [Net Block] |
117.469 |
103.240 |
75.976 |
|
|
Capital work-in-progress |
1.246 |
2.348 |
3.374 |
|
|
|
|
|
|
|
|
INVESTMENT |
0.000 |
0.000 |
0.000 |
|
|
DEFERRED TAX ASSETS |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
CURRENT ASSETS, LOANS & ADVANCES |
|
|
|
|
|
|
Inventories |
169.901
|
104.637 |
39.259 |
|
|
Sundry Debtors |
71.133
|
37.525 |
11.339 |
|
|
Cash & Bank Balances |
5.429
|
7.291 |
1.420 |
|
|
Other Current Assets |
0.000
|
0.000 |
0.000 |
|
|
Loans & Advances |
21.765
|
9.253 |
1.957 |
|
Total
Current Assets |
268.228
|
158.706 |
53.975 |
|
|
Less : CURRENT
LIABILITIES & PROVISIONS |
|
|
|
|
|
|
Sundry Creditors |
87.601
|
28.988 |
13.782 |
|
|
Other Current Liabilities |
12.382
|
6.675 |
1.804 |
|
|
Provisions |
0.000
|
0.000 |
0.000 |
|
Total
Current Liabilities |
99.983
|
35.663 |
15.586 |
|
|
Net Current Assets |
168.245
|
123.043 |
38.389 |
|
|
|
|
|
|
|
|
MISCELLANEOUS EXPENSES |
0.000 |
0.285 |
0.569 |
|
|
|
|
|
|
|
|
TOTAL |
286.960 |
228.916 |
118.308 |
|
PROFIT & LOSS
ACCOUNT
|
|
PARTICULARS |
31.03.2011 |
31.03.2010 |
31.03.2009 |
|
|
|
SALES |
|
|
|
|
|
|
|
Turnover |
337.241 |
202.954 |
63.365 |
|
|
|
Other Income |
61.084 |
NA |
NA |
|
|
|
TOTAL (A) |
398.325 |
NA |
NA |
|
|
|
|
|
|
|
|
Less |
EXPENSES |
|
|
|
|
|
|
|
|
381.530 |
NA |
NA |
|
|
|
Administrative Expenses |
|
NA |
NA |
|
|
|
Advertising Expenses |
|
NA |
NA |
|
|
|
TOTAL (B) |
381.530 (Including
financial and depreciation) |
NA |
NA |
|
|
|
|
|
|
|
|
Less |
PROFIT/
(LOSS) BEFORE INTEREST, TAX, DEPRECIATION AND AMORTISATION (A-B) (C) |
|
26.523 |
3.654 |
|
|
|
|
|
|
|
|
|
Less |
FINANCIAL
EXPENSES (D) |
|
7.390 |
3.307 |
|
|
|
|
|
|
|
|
|
|
PROFIT/
(LOSS) BEFORE TAX, DEPRECIATION AND AMORTISATION (C-D) (E) |
|
19.133 |
0.347 |
|
|
|
|
|
|
|
|
|
Less/ Add |
DEPRECIATION/
AMORTISATION (F) |
|
10.920 |
4.568 |
|
|
|
|
|
|
|
|
|
|
PROFIT/ (LOSS)
BEFORE TAX (E-F) (G) |
16.795 |
8.213 |
(4.221) |
|
|
|
|
|
|
|
|
|
Less |
TAX (H) |
8.336 |
1.995 |
0.115 |
|
|
|
|
|
|
|
|
|
|
PROFIT/ (LOSS)
AFTER TAX (G-H) (I) |
8.459 |
6.218 |
(4.336) |
|
|
|
|
|
|
|
|
|
|
EARNINGS IN
FOREIGN CURRENCY |
|
|
|
|
|
|
|
FOB Value of Exports |
76.993 |
17.441 |
11.004 |
|
|
TOTAL EARNINGS |
76.993 |
17.441 |
11.004 |
|
|
|
|
|
|
|
|
|
|
IMPORTS |
|
|
|
|
|
|
|
Raw Materials/ Trading Goods |
65.717 |
15.539 |
NA |
|
|
|
Capital Goods |
14.965 |
15.605 |
NA |
|
|
TOTAL IMPORTS |
80.682 |
31.144 |
NA |
|
|
|
|
|
|
|
|
|
|
Earnings/ (Loss)
Per Share (Rs.) |
0.87 |
1.30 |
NA |
|
KEY RATIOS
|
PARTICULARS |
|
31.03.2011 |
31.03.2010 |
31.03.2009 |
|
PAT / Total Income |
(%) |
2.12
|
NA |
NA |
|
|
|
|
|
|
|
Net Profit Margin (PBT/Sales) |
(%) |
4.98
|
4.05 |
(6.66) |
|
|
|
|
|
|
|
Return on Total Assets (PBT/Total Assets} |
(%) |
4.35
|
3.14 |
(3.25) |
|
|
|
|
|
|
|
Return on Investment (ROI) (PBT/Networth) |
|
0.11
|
0.05 |
(0.06) |
|
|
|
|
|
|
|
Debt Equity Ratio (Total Liability/Networth) |
|
1.39
|
0.75 |
0.80 |
|
|
|
|
|
|
|
Current Ratio (Current Asset/Current Liability) |
|
2.68
|
4.45 |
3.46 |
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 |
No |
|
9) Name of person
contacted |
No |
|
10) Designation
of contact person |
No |
|
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 |
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 |
Bankers Charges
Report as per Registry
|
Corporate
identity number of the company |
U74130MH2005PTC157829 |
|
Name of the
company |
HAMILTON WRITING INSTRUMENTS PRIVATE LIMITED |
|
Address of the
registered office or of the principal place of business in |
E-Mail: dipankar.rai@hamiltonindia.in |
|
This form is for |
Creation of
charge |
|
Type of charge |
Movable Property Floating Charge Others (Entire
fixed assets of the Company) |
|
Particular of
charge holder |
State Bank of E-Mail: sandipan.roy@sbi.co.in |
|
Nature of description
of the instrument creating or modifying the charge |
Form C-2
Agreement of Hypothecation of Goods and Assets |
|
Date of
instrument Creating the charge |
27.03.2012 |
|
Amount secured by
the charge |
Rs.22.000
millions |
|
Brief particulars
of the principal terms an conditions and extent and operation of the charge |
Rate of Interest: As per sanctioned
terms and conditions Terms of
Repayment: As per sanctioned
terms and conditions Margin: As per sanctioned
terms and conditions Extent and Operation
of the charge: As per sanctioned
terms and conditions Others: As per sanctioned
terms and conditions |
|
Short particulars
of the property charged |
Entire fixed
assets of the Company i.e. Plant and Machinery, factory equipments, dies and moulds
and other fixed assets at Piparia, Silvassa, both present and future. |
CONTINGENT
LIABILITIES:
|
Particulars |
31.03.2011 (Rs.
in millions) |
|
Counter
Guarantees issued to Bank for LC's and Bank Guarantee |
7.680 |
|
Bank Guarantees |
0.000 |
|
Capital
Commitments (Net of Advances) |
4.900 |
FIXED ASSETS:
v
Plant and Machinery
v
Factory Equipments
v
Electrical Installations
v
D.G. Set
v
Dies and Moulds
v
Computers
v
Office Equipments
v
Furniture and Fixtures
v
Air Conditioners
v
Vehicles
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.54.87 |
|
|
1 |
Rs.86.46 |
|
Euro |
1 |
Rs.69.49 |
INFORMATION DETAILS
|
Report Prepared
by : |
SMN |
SCORE & RATING EXPLANATIONS
|
SCORE FACTORS |
RANGE |
POINTS |
|
HISTORY |
1~10 |
4 |
|
PAID-UP CAPITAL |
1~10 |
5 |
|
OPERATING SCALE |
1~10 |
5 |
|
FINANCIAL CONDITION |
|
|
|
--BUSINESS SCALE |
1~10 |
4 |
|
--PROFITABILIRY |
1~10 |
3 |
|
--LIQUIDITY |
1~10 |
4 |
|
--LEVERAGE |
1~10 |
4 |
|
--RESERVES |
1~10 |
3 |
|
--CREDIT LINES |
1~10 |
3 |
|
--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 |
|
35 |
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.