MIRA INFORM REPORT

 

 

Report Date :

24.05.2012

 

IDENTIFICATION DETAILS

 

Name :

SKYPACK INDIA PRIVATE LIMITED

 

 

Registered Office :

1216, Sector 14, Faridabad-121007, Haryana

 

 

Country :

India

 

 

Financials (as on) :

31.03.2011

 

 

Date of Incorporation :

26.10.1987

 

 

Com. Reg. No.:

05-029602

 

 

Capital Investment / Paid-up Capital :

Rs. 4.740 Millions

 

 

CIN No.:

[Company Identification No.]

U32109HR1987PTC029602

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

RTKS06043C

 

 

PAN No.:

[Permanent Account No.]

AACCS5331F

 

 

Legal Form :

Private Limited Liability Company

 

 

Line of Business :

Manufacturer and Exporter of Packing Material

 

 

No. of Employees :

240 (Approximately)

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba (48)

 

RATING

STATUS

PROPOSED CREDIT LINE

 

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

Satisfactory

 

Maximum Credit Limit :

USD 1100000

 

 

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.

 

Profit and loss account for the current year is not available.

 

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)

India

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. Harsh Dagar

Designation :

Account Officer 

Contact No.:

91-9958836944

Date :

23.05.2012

 

 

LOCATIONS

 

Registered Office :

1216, Sector 14, Faridabad-121007, Haryana, India

Mobile No.:

91-9873660841 (Mr. Suresh)

E-Mail :

sunikhanna_ca@hotmail.com

accounts@skypackindia.com

hr@skypackindia.com

sales@skypackindia.com

info@skypackindia.com

lamitubes@skypackindia.com

Website :

http://www.skypackinida.com

Area :

550 Sq. Yard

Location :

Owned

 

 

Factory 1:

Plot No.190-A, Sector -59, Mathura Road, Ballabgarh121004, Faridabad, Haryana, India

Tel. No.:

91-129-2307188 / 4154926 / 4154927/ 4189000

Fax No.:

91-129-2307199

Area :

4800 Sq. Yard

Location :

Owned

 

 

Factory 2 :

24/2, Milestone, Mathura Road, Ballabgarh-121004, Haryana, India

Area :

4800 Sq. Yard

Location :

Owned

 

 

DIRECTORS

 

AS ON 31.08.2011

 

Name :

Mr. Naresh Kumar

Designation :

Director

Address :

House No.1216, Sector 14, Faridabad-121007, Haryana, India

Date of Appointment :

26.10.1987

DIN No.:

00017324

 

 

Name :

Mr. Naveen Talwar

Designation :

Director

Address :

House No.1216, Sector 14, Faridabad-121007, Haryana, India

Date of Appointment :

30.09.2004

DIN No.:

00017427

 

Other Directorship:

 

S.No.

CIN

Name of the Company

Current designation of the director

Date of appointment at current designation

Original date of appointment

Company Status

Defaulting status

1

U32109HR1987PTC029602

SKYPACK INDIA PRIVATE LIMITED

Director

7/9/1999

7/9/1999

Active

NO

2

U22219DL2003PTC118804

SKYROTO PRINT PRIVATE LIMITED

Director

2/5/2003

2/5/2003

Active

NO

3

U74899HR2005PTC034328

SKYFLEX PACKS PRIVATE LIMITED

Director

30/09/2005

30/09/2005

Active

NO

 

 

Name :

Mr. Shashi Talwar

Designation :

Director

Address :

House No.1216, Sector 14, Faridabad-121007, Haryana, India

Date of Appointment :

26.10.1987

DIN No.:

00017535

 

Other Directorship:

 

S.No.

CIN

Name of the Company

Current designation of the director

Date of appointment at current designation

Original date of appointment

Company Status

Defaulting status

1

U32109HR1987PTC029602

SKYPACK INDIA PRIVATE LIMITED

Director

26/10/1987

26/10/1987

Active

NO

2

U22219DL2003PTC118804

SKYROTO PRINT PRIVATE LIMITED

Director

2/5/2003

2/5/2003

Active

NO

3

U74899HR2005PTC034328

SKYFLEX PACKS PRIVATE LIMITED

Director

30/09/2005

30/09/2005

Active

NO

 

 

KEY EXECUTIVES

 

Name :

Mr. Harsh Dagar

Designation :

Account Officer 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

AS ON 31.08.2011

 

Names of Shareholders

No. of Shares

Naresh Kumar

15842

Shashi Talwar

6080

Naveen Talwar

3478

 

 

AS ON 31.08.2011

 

Equity Shares Break Up

Percentage

Directors or relatives of Directors

100.00

Total

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Manufacturer and Exporter of Packing Material

 

 

Exports :

 

Products :

Packing Material

Countries :

·         USA

·         UK

·         Nepal

 

 

Imports :

 

Products :

Raw Material

Countries :

·         UAE

·         France

·         Singapore

·         Thailand

·         China

·         Malaysia

 

 

Terms :

 

Selling :

Cash and Credit

 

 

Purchasing :

Cash and Credit

 

 

GENERAL INFORMATION

 

Suppliers :

·         Reliance Industries Limited

 

 

Customers :

OEM’s, Dealer and Trader

 

·         Hindustan Syringes and Medical Devices Limited

·         Nestle

·         Mother Dairy

·         Safal

·         Dhara

·         Sheela Foams

·         Tilde

·         Hindustan Latex Limited

·         Reliance Retail

·         Rasna

·         Coke

·         KFC

 

 

No. of Employees :

240 (Approximately)

 

 

Bankers :

·         Citi Bank N.A.

DLF Square, M Block, Jacaranda Marg, DLF City Phase II, Gurgaon – 122002, Haryana, India

 

·         Axis Bank Limited,

Plot No.40, SCO, Sector 7, Ballabhgarh-121006, Haryana, India

 

·         Canara Bank,

8A, Nehru Ground, NIT, Faridabad-121001, Haryana, India

 

·         Standard Chartered Bank,

No.10, Parliament Street, New Delhi-110001, Delhi, India

 

·         SIDBI

·         ABN Amro Bank, Gurgaon Branch 

·         ICICI Bank, Faridabad Branch  

 

 

Facilities :

Secured Loan

 

Rs. In Millions

31.03.2011

Rs. In Millions

31.03.2010

1 CANARA BANK

 

 

i) Term Loans

(Secured against hypothecation of Land and Building, Plant and Machinery and other fixed assets of

the company etc., and personal guarantee of the Directors)

(Installments Due within one year Rs. 8.611 Millions Previous Year Rs. 9.328 Millions)

21.748

31.076

ii) Cash Credit Account

(Secured against the stocks of Raw Materials, Semi-Finished and Finished goods, stores and spares, book debts and fixed assets of the company and personal guarantee of the Directors)

53.506

2.168

iii) Vehicle Loans

(Secured against hypothecation of Vehicles and personal guarantee of the Directors) (Installments due within one year Rs.NIL, Previous Year Rs. 0.960 Million)

0.000

0.960

2 STANDARD CHARTERED BANK

 

 

i) Term Loans

(Secured against residential house of the company and personal guarantee of the Directors) (Installments due within one year Rs.5.159 Millions Previous Year Rs.5.158 Millions)

16.905

20.000

3 ABN AMRO BANK

 

 

i) Term Loans

(Secured against hypothecation of Land and Building, Plant and Machinery and other fixed assets of the company etc., and personal guarantee of the Directors) (Installments due within one year Rs.12.111 Millions) (Previous Year Rs.12.111 Millions)

18.165

30.277

4 SIDBI

 

 

i) Term Loans

(Secured against hypothecation of Land and Building, Plant and Machinery and other fixed assets of

the company etc., and personal guarantee of the Directors) (Installments due within one year Rs.1.008 Millions) (Previous Year Rs.1.008 Millions)

2.060

3.066

5 AXIS Bank

 

 

i) Vehicle Loans

(Secured against hypothecation of Vehicles and personal guarantee of the Directors) (Installments due within one year Rs. 0.104 Million Previous Year Rs.NIL/- )

0.350

0.000

ii) Term Loans

(Secured against hypothecation of Land and Building, Plant and Machinery and other fixed assets of

the company etc., and personal guarantee of the Directors) (Installments due within one year Rs.12.000 Millions) (Previous Year Rs.NIL/-)

89.904

0.000

6 BMW Financial Services Private Limited

(Secured against hypothecation of Vehicles and personal guarantee of the Directors) (Installments due within one year Rs. 0.625 Million, Previous Year Rs.NIL)

3.760

0.000

 

 

 

Total

206.398

87.547

 

 

 

Unsecured Loan

 

Rs. In Millions

31.03.2011

Rs. In Millions

31.03.2010

i) Citi Bank

(Unsecured Cash Credit)

9.473

0.000

ii) From Directors

11.580

0.300

 

 

 

Total

21.053

0.300

 

 

Axis Bank Limited, Cash Credit Limit Rs. 50.000 Millions

Standard Charted Bank, TL Limit Rs.15.000 Millions

ABN Amro Bank TL Limit Rs. 5.000 Millions

City Bank Cash Credit Limit Rs. 50.000 Millions 

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

Sumeet Khanna

Chartered Accountant 

Address :

606, Chiranjiv Tower, 43, Nehru Place, New Delhi-110019, Delhi, India

Tel. No.:

91-11-41608766 / 41608767 / 41608768

Fax No.:

91-11-41608765

E-Mail :

sunilkhanna_ca@hotmail.com

PAN No.:

AIHPK2572J

 

 

Sister Concern :

·         Sky Flex Packs Private Limited

Address : 1216, Sector 14, Faridabad-121007, Haryana, India

Line of Business : Manufacturer and Exporter of Packing Material

 

·         Skyroto Print Private Limited

Address : 1216, Sector 14, Faridabad-121007, Haryana, India

Line of Business : Manufacturer and Exporter of Packing Material

 

 

 

 

CAPITAL STRUCTURE

 

AS ON 31.03.2011

 

Authorised Capital :

 

No. of Shares

Type

Value

Amount

 

 

 

 

50000

Equity Shares

Rs.100/- each

Rs. 5.000 Millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

 

No. of Shares

Type

Value

Amount

 

 

 

 

47400

Equity Shares

Rs.100/- each

Rs. 4.740 Millions

 

 

 

 

 

Note:

 

Of these 1080 equity shares have been allotted as fully paid up for consideration other than cash.

 


 

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

4.740

4.740

4.740

2] Share Application Money

0.000

0.000

0.000

3] Reserves & Surplus

285.250

219.358

143.969

4] (Accumulated Losses)

0.000

0.000

0.000

NETWORTH

289.990

224.098

148.709

LOAN FUNDS

 

 

 

1] Secured Loans

206.398

87.547

90.714

2] Unsecured Loans

21.053

0.300

0.900

TOTAL BORROWING

227.451

87.847

91.614

DEFERRED TAX LIABILITIES

35.693

29.641

19.311

 

 

 

 

TOTAL

553.134

341.586

259.634

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

363.168

319.591

209.841

Capital work-in-progress

0.000

0.000

0.000

 

 

 

 

INVESTMENT

3.330

3.330

3.330

DEFERREX TAX ASSETS

0.000

0.000

0.000

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

76.091
50.314
43.552

 

Sundry Debtors

105.152
65.652
46.775

 

Cash & Bank Balances

25.756
18.051
3.570

 

Other Current Assets

0.000
0.000
0.000

 

Loans & Advances

44.098
38.668
31.952

Total Current Assets

251.097

172.685

125.849

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Sundry Creditors

28.213
106.798

56.425

 

Other Current Liabilities

6.643
13.837

5.746

 

Provisions

29.605
33.385

17.215

Total Current Liabilities

64.461

154.020

79.386

Net Current Assets

186.636
18.665

46.463

 

 

 

 

MISCELLANEOUS EXPENSES

0.000

0.000

0.000

 

 

 

 

TOTAL

553.134

341.586

259.634

 


PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

 

 

31.03.2009

 

SALES

 

 

 

 

 

Income

 

 

NA

 

 

Other Income

 

 

NA

 

 

TOTAL                                    

 

 

NA

 

 

 

 

 

 

DEPRECIATION/ AMORTISATION                    

 

 

9.862

 

 

 

 

 

 

PROFIT BEFORE TAX

 

 

55.184

 

 

 

 

 

Less

TAX                                                                 

 

 

14.000

 

 

 

 

 

 

PROFIT AFTER TAX

 

 

41.184

 

 

 

 

 

 

Earnings Per Share (Rs.)

 

 

868.86

 

 

Particulars

 

 

31.03.2012

31.03.2011

Sales Turnover (Approximately)

 

1094.255

964.889

 

 

 

 

 

Expected Sales (2012-2013) : Rs. 1500.000 Millions

 

The above information has been parted by Mr. Harsh.

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2011

31.03.2010

31.03.2009

Return on Total Assets

(PBT/Total Assets}

(%)

NA
NA

16.44

 

 

 
 

 

Return on Investment (ROI)

(PBT/Networth)

 

NA
NA

0.37

 

 

 
 

 

Debt Equity Ratio

(Total Liability/Networth)

 

1.13
1.08

1.15

 

 

 
 

 

Current Ratio

(Current Asset/Current Liability)

 

3.90
1.12

1.59

 

 

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.       Constructions 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

Yes

9.       Name of person contacted

Yes

10.   Designation of contact person

Yes

11.   Turnover of firm for last one years

Yes

12.   Profitability for last one years

Yes

13.   Reasons for variation <> 20%

-------

14.   Estimation for coming financial year

Yes

15.   Capital in the business

Yes

16.   Details of sister concerns

Yes

17.   Major suppliers

Yes

18.   Major customers

Yes

19.   Payments terms

Yes

20.   Export / Import details

Yes

21.   Market information

------

22.   Litigations that the firm / promoter involved

------

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

 

 

FORM 8

 

Corporate identity number of the company

U32109HR1987PTC029602

Name of the company

SKYPACK INDIA PRIVATE LIMITED

Address of the registered office or of the principal place of  business in India of the company

1216, Sector 14, Faridabad-121007, Haryana, India

This form is for

Creation of charge

Type of charge

Book debts

Others

Particular of charge holder

·         Citi Bank N.A.

DLF Square, M Block, Jacaranda Marg, DLF City Phase II, Gurgaon – 122002, Haryana, India

Nature of instrument creating charge

Secured Term Loan Agreement where the security is by way of hypothecation of stocks, book debts and plant & machinery.

Date of instrument Creating the charge

02.12.2011

Amount secured by the charge

Rs. 85.000 Millions

Brief of the principal terms an conditions and extent and operation of the charge

Rate of interest

13% linked to Base Rate.

 

Terms of repayment

1st of every month calculated from the date of disbursement for 48 months.

 

Margin

As per sanction letter.

 

Extent and operation of the charge

Second charge on current assets, Sole charge on assets funded under Citibank Term loan and First pari passu charge with Axis Bank on all the unencumbered present and future fixed assets of the company (other than those financed by other term lenders) in favour of Citibank N.A for the repayment of all monies in respect of the credit facility, including outstanding balance and also all interest, costs, charges and expenses.

Short particulars of the property charged (Including location of the property)

Hypothecation of stocks, book debts and plant and machinery.

 

 

TRADE REFERENCE

 

·         Hindustan Syringes and Medical Devices Limited

·         Reliance Industries Limited

 

FIXED ASSETS

 

·         Air Conditioner

·         Building

·         Computers

·         Cycle

·         Electricity Installation

·         Plant and Machinery

·         Land

·         Refrigerator

·         Office Equipment

·         Furniture and Fixture

·         Vehicle

·         Water Cooler

 

 

 

AS PER WEB DETAILS

 

PROFILE

 

Subject and its two sister concerns Skyflex Packs Private Limited and Skyroto Print Private Limited are in the business of providing flexible packaging material to Pharmaceutical and food industry. An exporter of films to European countries, subject has expertise to manufacture films and tubes for a variety of applications. The infrastructure and capability is to provide a hygienic processing environment for manufacturing packaging for steralizable surgical instruments, Pharma tubes and food grade products.

 

Subject was started by Mr. Naresh Kumar, who has been in the plastic packaging business since 1973. Plastic was a new concept in India at that time. He started his career with the sole objective of supplying injection molded rigid packaging material. Their first few clients were Dabur, Hammer Master and Hindustan Syringes Limited.

 

Soon, he diversified into the field of flexible packaging. Today, subject is the sole supplier of packaging material to Hindustan Syringes and Medical Devices Limited (HMD) and is also supplying to companies like Nestle, Reliance Retail etc. Subject can boast of a team which keeps quality and precision as its ultimate goal.

 


CMT REPORT (Corruption, Money Laundering & Terrorism]

 

The Public Notice information has been collected from various sources including but not limited to: The Courts, India Prisons Service, Interpol, etc.

 

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. 55.93

UK Pound

1

Rs. 88.14

Euro

1

Rs. 70.87

 

 

INFORMATION DETAILS

 

Information Gathered by :

SVA

 

 

Report Prepared by :

DPT


 

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

7

--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

 

48

 

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

-

 

 

 

 

 

PRIVATE & CONFIDENTIAL : This information is provided to you at your request, you having employed MIPL for such purpose. You will use the information as aid only in determining the propriety of giving credit and generally as an aid to your business and for no other purpose. You will hold the information in strict confidence, and shall not reveal it or make it known to the subject persons, firms or corporations or to any other. MIPL does not warrant the correctness of the information as you hold it free of any liability whatsoever. You will be liable to and indemnify MIPL for any loss, damage or expense, occasioned by your breach or non observance of any one, or more of these conditions

This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.