MIRA INFORM REPORT

Report Date :

04.10.2012

IDENTIFICATION DETAILS

Name :	KARAN POLYMERS PRIVATE LIMITED
Registered Office :	56-E, Hemant Basu Sarani, Stephen House, 4^th Floor, Room No. 57ABC, Kolkata – 700001, West Bengal
Country :	India
Financials (as on) :	31.03.2011
Date of Incorporation :	25.04.1997
Com. Reg. No.:	21-084089
Capital Investment / Paid-up Capital :	Rs. 28.567 Millions
CIN No.: [Company Identification No.]	U28113WB1997PTC084089
IEC No.:	0298017326
TAN No.: [Tax Deduction & Collection Account No.]	CALK02324A
PAN No.: [Permanent Account No.]	AABCK3114F
Legal Form :	Private Limited Liability Company
Line of Business :	Manufacturer of PVC Pipes and Fitting, Master batches etc
No. of Employees :	40 (Approximately)

RATING & COMMENTS

MIRA’s Rating :

Ba (33)

RATING		STATUS	PROPOSED CREDIT LINE
41-55	Ba	Overall operation is considered normal. Capable to meet normal commitments.	Satisfactory

Maximum Credit Limit :	USD 410000
Status :	Moderate
Payment Behaviour :	Slow but correct
Litigation :	Clear
Comments :	Subject is an established company having moderate track. Profitability of the company appears to be low. However, 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 some caution.

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 – June 30, 2012

Country Name	Previous Rating (31.03.2012)	Current Rating (30.06.2012)
India	A1	A1

Risk Category	ECGC Classification
Insignificant	A1
Low	A2
Moderate	B1
High	B2
Very High	C1
Restricted	C2
Off-credit	D

INDIAN ECONOMIC OVERVIEW

India is developing into an open-market economy, yet traces of its past autarkic policies remain. Economic liberalization, including industrial deregulation, privatization of state-owned enterprises, and reduced controls on foreign trade and investment, began in the early 1990s and has served to accelerate the country's growth, which has averaged more than 7% per year since 1997. India's diverse economy encompasses traditional village farming, modern agriculture, handicrafts, a wide range of modern industries, and a multitude of services. Slightly more than half of the work force is in agriculture, but services are the major source of economic growth, accounting for more than half of India's output, with only one-third of its labor force. India has capitalized on its large educated English-speaking population to become a major exporter of information technology services and software workers. In 2010, the Indian economy rebounded robustly from the global financial crisis - in large part because of strong domestic demand - and growth exceeded 8% year-on-year in real terms. However, India's economic growth in 2011 slowed because of persistently high inflation and interest rates and little progress on economic reforms. High international crude prices have exacerbated the government's fuel subsidy expenditures contributing to a higher fiscal deficit, and a worsening current account deficit. Little economic reform took place in 2011 largely due to corruption scandals that have slowed legislative work. India's medium-term growth outlook is positive due to a young population and corresponding low dependency ratio, healthy savings and investment rates, and increasing integration into the global economy. India has many long-term challenges that it has not yet fully addressed, including widespread poverty, inadequate physical and social infrastructure, limited non-agricultural employment opportunities, scarce access to quality basic and higher education, and accommodating rural-to-urban migration.

Source : CIA

RBI DEFAULTERS’ LIST STATUS

Subject’s name is not enlisted as a defaulter in the publicly available RBI Defaulters’ list.

EPF (Employee Provident Fund) DEFAULTERS’ LIST STATUS

Subject’s name is not enlisted as a defaulter in the publicly available EPF (Employee Provident Fund) Defaulters’ list as of 31-03-2012.

INFORMATION PARTED BY (General Details)

Name :	Mr. Shyam Lal Agarwal
Designation :	Director
Contact No.:	91-9830036400
Date :	25.09.2012

LOCATIONS

Registered Office :	56-E, Hemant Basu Sarani, Stephen House, 4^th Floor, Room No. 57ABC, Kolkata – 700001, West Bengal, India
Tel. No.:	91-33-22623124/ 3125/ 22433640/ 22429745/ 22431498
Mobile No.:	91-9830036400 [Mr. Shyam Lal Agarwal]
Fax No.:	91-33-22433091
E-Mail :	info@karanpolymers.com karan@cal3.vsnl.net.in pkaco_ca@yahoo.co.in
Website :	www.karanpolymers.com
Area:	600 Sq. ft
Location :	Rented
Factory :	Jalan Industrial Complex 29.5 Mile Stone Bipparanna Para, Damjur, Hawrah, West Bengal, India
Area:	10000 Sq. ft.
Location:	Owned

DIRECTORS

AS ON 25.08.2011

Name :

Mr. Mal Chand Agarwal

Designation :

Director

Address :

5 Camac Street, Flat No. F /8, Kolkata – 700 017, West Bengal, India

Date of Birth/Age :

23.06.1944

Date of Appointment :

25.04.1997

DIN No.:

00118006

Other Directorship:

S.No.	CIN/LLPIN	Name of the Company/ LLP	Current designation of the Director/ Designated Partner	Date of appointment at current designation	Original date of appointment	Company/ LLP Status	Defaulting status
1	U25209TN1995PTC032605	ROLEX PLASTIC PRIVATE LIMITED	Director	16/08/1995	16/08/1995	Active	NO
2	U28113WB1997PTC084089	KARAN POLYMERS PRIVATE LIMITED	Director	25/04/1997	25/04/1997	Active	NO
3	U65999WB1995PTC067719	MALSONS POLYMERS PRIVATE LIMITED	Director	29/09/2008	06/05/2008	Active	NO

Name :

Mr. Shyam Lal Agarwal

Designation :

Director

Address :

5 Camac Street, Flat No. F /8, Kolkata – 700 017, West Bengal, India

Date of Birth/Age :

03.12.1971

Qualification :

B. Com

Date of Appointment :

25.04.1997

DIN No.:

00115643

Other Directorship:

S.No.	CIN/LLPIN	Name of the Company/ LLP	Current designation of the Director/ Designated Partner	Date of appointment at current designation	Original date of appointment	Date of cessation	Company/ LLP Status	Defaulting status
1	U28113WB1997PTC084089	KARAN POLYMERS PRIVATE LIMITED	Director	25/04/1997	25/04/1997	-	Active	NO
2	U65999WB1995PTC067719	MALSONS POLYMERS PRIVATE LIMITED	Director	29/09/2008	06/05/2008	18/04/2012	Active	NO
3	U45400WB2009PTC137800	ANUJ NIRMAN PRIVATE LIMITED	Director	17/08/2009	17/08/2009	-	Active	NO
4	U45400WB2009PTC137796	KUNAL FOUNDATION PRIVATE LIMITED	Director	17/08/2009	17/08/2009	-	Active	NO

Name :

Ms. Varsha Agarwal

Designation :

Director

Address :

5 Camac Street, Flat No. F /8, Kolkata – 700 017, West Bengal, India

Date of Birth/Age :

12.01.1978

Qualification :

B A

Date of Appointment :

10.09.2005

DIN No.:

00115798

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

AS ON 25.08.2011

Names of Shareholders	No. of Shares
Mal Chand Agarwal	95100
Shyam Lal Agarwal	167600
Shakuntala Devi Agarwal	11000
Shikha Agarwal	770000
Mal Chand Agarwal and Sons HUF	42500
Anil Agarwal	87000
Kusum Management Services Private Limited (India)	50000
Vidyadhar Agarwal	15000
Shakuntala Devi Agarwal	650000
Varsha Agarwal	90000
Reliance Finvest Private Limited (India)	50000
Anil Agarwal and Sons (HUF)	50000
S.L. Agarwal and Sons HUF	200000
Kunal Foundation Private Limited (India)	402500
Angoora Tradefin Private Limited, India	14000
Anupam Advisory Private Limited, India	12000
Artline Vinimay Private Limited, India	24000
Doonvalley Finance and Leasing Limited, India	12000
Drake Commercial Private Limited, India	8000
Kartick Commercials and Financiers Private Limited, India	28000
Kavery Trading and Holding Private Limited, India	12000
Kokila Exports Private Limited, India	8000
Motorex Finance Private Limited, India	12000
Oven Commercials Private Limited, India	12000
P. G. Commercials Private Limited, India	20000
Sidlaw Commercials Private Limited, India	14000
Total	2856700

AS ON 25.08.2011

Equity Share Breakup	Percentage of Holding
Category
Bodies corporate	23.75
Directors or relatives of directors	75.34
Other top fifty shareholders	0.91
Total	100.00

BUSINESS DETAILS

Line of Business :

Manufacturer of PVC Pipes and Fitting, Master batches etc

Products :

ITC Code	Product Descriptions
391710	PVC Rigid Pipes
39.15	PVC Parings Scrap

Terms :

Selling :

Cash and Credit

Purchasing :

Cash and Credit

PRODUCTION STATUS AS ON (31.03.2011)

Particulars	Unit	Actual Production
Rigid PVC Pipes	Mtrs	1392781
Rigid PVC Strainer	Mtrs	83008
Rigid PVC Pipe Fittings	Pcs.	138816
Rigid PVC Parings and Scrap	Kgs.	129772
Solvent Cement	Ltrs.	4245
SWR Pipes	Mtrs.	36648

Note: As per management Licensed Capacity is not applicable and Installed capacity is not ascertained and being of technical nature accepted without verification.

GENERAL INFORMATION

Customers :

End Users and OEM’s

No. of Employees :

40 (Approximately)

Bankers :

Ø State Bank of India. SSI Branch, Bhowanipore, 39 Shakespeare Sarani, Kolkata – 700 017, West Bengal, India

Ø Citi Bank N.A., Kanak Building, 41 Chowinghee Road, Kolkata – 700071, West Bengal, India

Facilities :

Secured Loans	31.03.2011	31.03.2010
	(Rs. In Millions)
SSI Cash Credit (Book Debt, Stocks and CC Clean SSI a/cs) With State Bank of India Bhawanipore Branch, Kolkata (Against Hypothecation / pledge/ Mortgage of all movable and immovable assets of the company, personal guarantee of all the Directors and equitable mortgage of land at 122, J.N. Mukherjee Road, Ghusury, Howrah)	1.778	0.892
Total	1.778	0.892
Unsecured Loans	31.03.2011	31.03.2010
	(Rs. In Millions)
Short term loans
From Directors (being Shareholders and Companies)	0.000	3.019
Other Loans
From Others (being Shareholders and Companies)	2.216	2.216
Total	2.216	5.235

Banking Relations :	--
Auditors :
Name :	P K Agarwalla and Company Chartered Accountants
Address :	714, Marshall House, 33/1 Netaji Subhas Road, Kolkata – 700001, West Bengal, India
Income-tax PAN of auditor or auditor's firm :	ADBPA6805H

CAPITAL STRUCTURE

AS ON 31.03.2011

Authorised Capital :

No. of Shares	Type	Value	Amount
3,500,000	Equity Shares	Rs. 10/- each	Rs. 35.000 Millions

Issued, Subscribed & Paid-up Capital :

No. of Shares	Type	Value	Amount
2,856,700	Equity Share	Rs.10/- each	Rs. 28.567 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		28.567	26.807	24.932
2] Share Application Money		0.000	0.000	0.000
3] Reserves & Surplus		74.222	31.018	16.897
4] (Accumulated Losses)		0.000	0.000	0.000
NETWORTH		102.789	57.825	41.829
LOAN FUNDS
1] Secured Loans		1.778	0.892	0.000
2] Unsecured Loans		2.216	5.235	2.145
TOTAL BORROWING		3.994	6.127	2.145
DEFERRED TAX LIABILITIES		0.000	0.000	0.000
TOTAL		106.783	63.952	43.974
APPLICATION OF FUNDS
FIXED ASSETS [Net Block]		32.685	23.896	11.128
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	28.552	24.713	8.260
	Sundry Debtors	23.853	17.134	28.573
	Cash & Bank Balances	7.023	5.353	6.407
	Other Current Assets	0.000	0.000	0.000
	Loans & Advances	22.828	8.764	7.576
Total Current Assets		82.256	55.964	50.816
Less : CURRENT LIABILITIES & PROVISIONS
	Sundry Creditors	7.675	15.423	17.177
	Other Current Liabilities	0.000	0.000	0.000
	Provisions	0.513	0.525	0.793
Total Current Liabilities		8.188	15.948	17.970
Net Current Assets		74.068	40.016	32.846
MISCELLANEOUS EXPENSES		0.030	0.040	0.000
TOTAL		106.783	63.952	43.974

PROFIT & LOSS ACCOUNT

	PARTICULARS		31.03.2011	31.03.2010	31.03.2009
	SALES
		Income	179.627	162.431	142.571
		Other Income	0.726	0.538	0.402
		TOTAL (A)	180.353	162.969	142.973
Less	EXPENSES
		Cost of Goods Sold		129.291	110.317
		Manufacturing Expenses		8.279	7.858
		Payments and Amenities to Employees		3.939	2.964
		Administrative Expenses		2.143	1.618
		Selling and Distribution Expenses		14.897	15.443
		Preliminary expenses written off		0.010	0.000
		TOTAL (B)	175.011	158.559	138.200
Less	PROFIT BEFORE INTEREST, TAX, DEPRECIATION AND AMORTISATION (A-B) (C)		5.342	4.410	4.773
Less	FINANCIAL EXPENSES (D)		1.165	1.032	1.128
	PROFIT BEFORE TAX, DEPRECIATION AND AMORTISATION (C-D) (E)		4.177	3.378	3.645
Less/ Add	DEPRECIATION/ AMORTISATION (F)		2.700	1.856	1.739
	PROFIT BEFORE TAX (E-F) (G)		1.477	1.522	1.905
Less	TAX (H)		0.514	0.526	0.843
	PROFIT AFTER TAX (G-H) (I)		0.963	0.996	1.062
Add	PREVIOUS YEARS’ BALANCE BROUGHT FORWARD		5.893	4.897	3.835
	BALANCE CARRIED TO THE B/S		6.856	5.893	4.897
	Earnings Per Share (Rs.)		0.34	0.37	0.44

KEY RATIOS

PARTICULARS		31.03.2011	31.03.2010	31.03.2009
PAT / Total Income	(%)	0.53	0.61	0.74
Net Profit Margin (PBT/Sales)	(%)	0.82	0.94	1.34
Return on Total Assets (PBT/Total Assets}	(%)	1.29	1.91	3.08
Return on Investment (ROI) (PBT/Networth)		0.01	0.03	0.05
Debt Equity Ratio (Total Liability/Networth)		0.12	0.38	0.48
Current Ratio (Current Asset/Current Liability)		10.05	3.51	2.83

LOCAL AGENCY FURTHER INFORMATION

Sr. No.	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	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 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)	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
31]	Date of Birth of Proprietor/Partner/Director, if available	Yes
32]	PAN of Proprietor/Partner/Director, if available	No
33]	Voter ID No of Proprietor/Partner/Director, if available	No
34]	External Agency Rating, if available	No

Note: The registered address of the company has been shifted from 29 Strand Road, 3rd Floor, Kolkata - 700001, West Bengal, India to the present w.e.f. 25.09.2010

PERFORMANCE AND OPERATIONAL RESULTS:

During the year Company's turnover in pipe and pipe fittings improved moderately as compared to last year inspite of price fluctuations and competitive condition prevailing in the market. The company's overall performance was satisfactory.

BANKERS CHARGES REPORT AS PER REGISTRY

Corporate identity number of the company	U28113WB1997PTC084089
Name of the company	KARAN POLYMERS PRIVATE LIMITED
Address of the registered office or of the principal place of business in India of the company	56-E, Hemant Basu Sarani, Stephen House, 4^th Floor, Room No. 57ABC, Kolkata – 700001, West Bengal, India Email ID: pkaco_ca@yahoo.co.in
This form is for	Creation of charge
Type of charge	Immovable Property Book Debts Movable Property Others [Stocks, Plant & Machinery]
Particular of charge holder	Citi Bank N.A., Kanak Building, 41 Chowinghee Road, Kolkata – 700071, West Bengal, India Email ID: roc@sdpa.in
Nature of description of the instrument creating or modifying the charge	Goods Security Agreement. Memorandum of Entry.
Date of instrument Creating the charge	07.05.2012
Amount secured by the charge	Rs. 50.000 Millions
Brief particulars of the principal terms an conditions and extent and operation of the charge	Rate of Interest @ 14% per annum. Terms of Repayment Repayable on demand, annually renewable. Margin 30% against the said stocks. 30% against the said book debts. Extent and Operation of the charge First exclusive charge by hypothecation of all the borrowers movable and non movable assets including plant and machinery, stocks and book debts forming part of its current assets both present and future AND factory Land and Shed at JL No.76, P.S. Jagatballavpur, Amta Road, Pool No.10, Islampur Gram Panchayat, District Howrah, West Bengal 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	All the borrowers movable and non movable assets including plant and machinery, stocks and book debts forming part of its current assets both present and future Factory Land and Shed at JL No.76, P.S. Jagatballavpur, Amta Road, Pool No.10,Islampur Gram Panchayat, District Howrah, West Bengal

FIXED ASSETS

Ø Land

Ø Factory Building

Ø Furniture and Fixture

Ø Plant and Machinery

Ø Testing Equipment

Ø Telephone and EPBAX

Ø Typewriter

Ø Air Conditioner

Ø Office Generator

Ø Fire Extinguisher

Ø Mobile Handset

Ø Water Purifier

Ø Refrigerator

Ø Office Equipment

Ø Fax Machine

Ø Sewing Machine

Ø Die and Moulds

Ø Computer

Ø Motor Car

Ø Scooter

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. 52.33
UK Pound	1	Rs. 84.30
Euro	1	Rs. 67.45

INFORMATION DETAILS

Information Gathered by :	SVA
Report Prepared by :	BVA

SCORE & RATING EXPLANATIONS

SCORE FACTORS	RANGE	POINTS
HISTORY	1~10	5
PAID-UP CAPITAL	1~10	4
OPERATING SCALE	1~10	4
FINANCIAL CONDITION
--BUSINESS SCALE	1~10	4
--PROFITABILIRY	1~10	3
--LIQUIDITY	1~10	4
--LEVERAGE	1~10	3
--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	NO
--LISTED	YES/NO	NO
--OTHER MERIT FACTORS	YES/NO	YES
TOTAL		33

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

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.