MIRA INFORM REPORT
|
Report Date : |
17.10.2012 |
IDENTIFICATION DETAILS
|
Name : |
UNIFAB ENGINEERING PROJECT PRIVATE LIMITED |
|
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|
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Registered
Office : |
A-112, Pratik Estate, 1st Floor, Near Workhat Hospital, Mulund Goregaon
Link Road, Mumbai – 400076, Maharashtra |
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Country : |
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Financials (as
on) : |
31.03.2011 |
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Date of
Incorporation : |
23.03.2006 |
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Com. Reg. No.: |
11-160654 |
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Capital
Investment / Paid-up Capital : |
Rs.5.000 Millions |
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|
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CIN No.: [Company Identification
No.] |
U28900MH2006PTC160654 |
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|
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TAN No.: [Tax Deduction &
Collection Account No.] |
MUMU04875D |
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Legal Form : |
Private Limited Liability Company |
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Line of Business
: |
Manufacturer of Coded Vessel, Heat Exchanger, Storage Tank, Air
Receiver, M. S. Rubber Lined Tanks etc.
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No. of Employees
: |
200 (Approximately) (In Office + In Factory) |
RATING & COMMENTS
|
MIRA’s Rating : |
Ba (43) |
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
41-55 |
Ba |
Overall operation is considered normal. Capable to meet normal
commitments. |
Satisfactory |
|
Maximum Credit Limit : |
USD 47000 |
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Status : |
Satisfactory |
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Payment Behaviour : |
Usually correct |
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Litigation : |
Clear |
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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. 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 – 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 |
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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 |
EXTERNAL AGENCY RATING
|
Rating Agency Name |
CRISIL |
|
Rating |
SE 2B |
|
Rating Explanation |
High performance capability and moderate financial strength |
|
Date |
August, 2012 |
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. Ramesh Chandra |
|
Designation : |
Director |
|
Contact No.: |
91-22-25664830 |
LOCATIONS
|
Registered Office / Head Office
: |
A-112, Pratik Estate, 1st Floor, Near Workhat Hospital, Mulund
Goregaon Link Road, Mumbai – 400076, Maharashtra, India |
|
Tel. No.: |
91-22-25664830 / 31 / 32428058 |
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Fax No.: |
91-22-25665991 |
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E-Mail : |
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Website : |
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Location : |
Owned |
|
|
|
|
Workshop : |
F-63/64, Additional Ambernath, MIDC, Anand Nagar, Amberbnath (East),
District Thane – 421506, |
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Tel. No.: |
91-251-3262473 |
DIRECTORS
As on 12.09.2011
|
Name : |
Mr. Rameshchandra Santlal Dumir |
|
Designation : |
Director |
|
Address : |
B-1504/05, Kalinga, Nirmal Nagar, Mulund Goregaon Link Road, Mulund
(West), Mumbai – 400080, Maharashtra, India |
|
Date of Birth/Age : |
13.03.1940 |
|
Date of Appointment : |
23.03.2006 |
|
DIN No.: |
00400156 |
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 |
U28920MH1975PTC018374 |
SPACE
AGE ENGINEERING AND CHEMCIAL PRIVATE LIMITED |
Director |
01/04/1980 |
01/04/1980 |
- |
Active |
NO |
|
2 |
U28900MH2006PTC160654 |
UNIFAB
ENGINEERING PROJECT PRIVATE LIMITED |
Director |
23/03/2006 |
23/03/2006 |
- |
Active |
NO |
|
Name : |
Mr. Amit Rameshchandra Dumir |
|
Designation : |
Director |
|
Address : |
B-1504/05, Kalinga, Nirmal Nagar, Mulund Goregaon Link Road, Mulund (West),
Mumbai – 400080, Maharashtra, India |
|
Date of Birth/Age : |
03.04.1974 |
|
Date of Appointment : |
23.03.2006 |
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DIN No.: |
00400211 |
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|
|
|
Name : |
Mrs. Sudarshana Rameshchandra Dumir |
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Designation : |
Director |
|
Address : |
B-1504/05, Kalinga, Nirmal Nagar, Mulund Goregaon Link Road, Mulund
(West), Mumbai – 400080, Maharashtra, India |
|
Date of Birth/Age : |
02.05.1945 |
|
Date of Appointment : |
23.03.2006 |
|
DIN No.: |
01317983 |
MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN
As on 12.09.2011
|
Names of Shareholders |
|
No. of Shares |
|
|
|
|
|
Rameshchandra Santlal Dumir |
|
22000 |
|
Amit Rameshchandra Dumir |
|
21600 |
|
Sudarshana Rameshchandra Dumir |
|
6400 |
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Total
|
|
50000 |
As on 12.09.2011
Equity Share Break up (Percentage of Total Equity)
|
Category |
Percentage |
|
Directors or relatives of Directors |
100.00 |
|
Total |
100.00 |
BUSINESS DETAILS
|
Line of Business : |
Manufacturer of Coded Vessel, Heat Exchanger, Storage Tank, Air Receiver,
M. S. Rubber Lined Tanks etc. |
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Products : |
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Terms : |
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Selling : |
Cash and Credit (30 Days and 60 Days) |
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Purchasing : |
Cash and Credit (30 Days and 60 Days) |
GENERAL INFORMATION
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Customers : |
Industries
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No. of Employees : |
200 (Approximately) (In Office + In Factory) |
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Bankers : |
Oriental Bank of
Commerce, Mulund West Branch, Air Auto House, P. K Road, Mulund West, Mumbai - 400080,
Maharashtra, India |
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Facilities : |
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Banking
Relations : |
-- |
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Auditors : |
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Name : |
Kiran Nandu and Company Chartered Accountants |
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Address : |
8, |
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PAN.: |
AAHPN7514M |
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 |
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Issued, Subscribed & Paid-up Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
|
|
|
|
|
50000 |
Equity Shares |
Rs.100/-
each |
Rs.5.000
Millions |
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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 |
5.000 |
5.000 |
1.000 |
|
|
2] Share Application Money |
0.000 |
0.000 |
0.000 |
|
|
3] Reserves & Surplus |
6.810 |
4.631 |
1.581 |
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|
4] (Accumulated Losses) |
0.000 |
0.000 |
0.000 |
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NETWORTH |
11.810 |
9.631 |
2.581 |
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|
LOAN FUNDS |
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|
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|
1] Secured Loans |
7.633 |
8.385 |
3.947 |
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2] Unsecured Loans |
9.155 |
2.427 |
5.047 |
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TOTAL BORROWING |
16.788 |
10.812 |
8.994 |
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DEFERRED TAX LIABILITIES |
0.230 |
0.249 |
0.276 |
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TOTAL |
28.828 |
20.692 |
11.851 |
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APPLICATION OF FUNDS |
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FIXED ASSETS [Net Block] |
24.121 |
15.861 |
11.335 |
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Capital work-in-progress |
0.000 |
0.000 |
0.000 |
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INVESTMENT |
0.000 |
0.000 |
0.000 |
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DEFERREX TAX ASSETS |
0.000 |
0.000 |
0.000 |
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CURRENT ASSETS, LOANS & ADVANCES |
|
|
|
|
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|
Inventories |
30.254
|
28.072 |
22.624 |
|
|
Sundry Debtors |
11.588
|
13.864 |
8.243 |
|
|
Cash & Bank Balances |
0.917
|
0.727 |
(3.383) |
|
|
Other Current Assets |
0.000
|
0.000 |
0.000 |
|
|
Loans & Advances |
8.508
|
5.870 |
2.785 |
|
Total
Current Assets |
51.267
|
48.533 |
30.269 |
|
|
Less : CURRENT
LIABILITIES & PROVISIONS |
|
|
|
|
|
|
Sundry Creditors |
37.544
|
31.224 |
15.660 |
|
|
Other Current Liabilities |
2.616
|
7.511 |
12.081 |
|
|
Provisions |
6.510
|
5.154 |
2.195 |
|
Total
Current Liabilities |
46.670
|
43.889 |
29.936 |
|
|
Net Current Assets |
4.597
|
4.644 |
0.333 |
|
|
|
|
|
|
|
|
MISCELLANEOUS EXPENSES |
0.110 |
0.187 |
0.183 |
|
|
|
|
|
|
|
|
TOTAL |
28.828 |
20.692 |
11.851 |
|
PROFIT & LOSS
ACCOUNT
|
|
PARTICULARS |
31.03.2011 |
31.03.2010 |
31.03.2009 |
|
|
|
SALES |
|
|
|
|
|
|
|
Income |
83.392 |
120.723 |
47.039 |
|
|
|
Other Income |
0.205 |
0.030 |
0.034 |
|
|
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TOTAL |
83.597 |
120.753 |
47.073 |
|
|
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|
|
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|
EXPENSES |
|
|
|
|
|
|
|
Office Expenses |
80.079 |
116.337 |
44.870 |
|
|
|
Administrative Expenses |
|
|
|
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|
|
Advertising Expenses |
|
|
|
|
|
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TOTAL |
80.079 |
116.337 |
44.870 |
|
|
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|
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|
|
PROFIT BEFORE
TAX |
3.518 |
4.415 |
2.203 |
|
|
|
|
|
|
|
|
|
|
TAX |
1.181 |
1.364 |
0.541 |
|
|
|
|
|
|
|
|
|
|
PROFIT AFTER TAX
|
2.337 |
3.051 |
1.639 |
|
|
|
|
|
|
|
|
|
|
PREVIOUS
YEARS’ BALANCE BROUGHT FORWARD |
0.000 |
0.000 |
(0.058) |
|
|
|
|
|
|
|
|
|
|
BALANCE CARRIED
TO THE B/S |
2.337 |
3.051 |
1.581 |
|
|
|
|
|
|
|
|
|
|
Earnings Per
Share (Rs.) |
46.74 |
NA |
NA |
|
KEY RATIOS
|
PARTICULARS |
|
31.03.2011 |
31.03.2010 |
31.03.2009 |
|
PAT / Total Income |
(%) |
2.80
|
2.53 |
3.48 |
|
|
|
|
|
|
|
Net Profit Margin (PBT/Sales) |
(%) |
4.22
|
3.66 |
4.68 |
|
|
|
|
|
|
|
Return on Total Assets (PBT/Total Assets} |
(%) |
4.67
|
6.86 |
5.30 |
|
|
|
|
|
|
|
Return on Investment (ROI) (PBT/Networth) |
|
0.30
|
0.46 |
0.85 |
|
|
|
|
|
|
|
Debt Equity Ratio (Total Liability/Networth) |
|
5.37
|
5.68 |
15.08 |
|
|
|
|
|
|
|
Current Ratio (Current Asset/Current Liability) |
|
1.10
|
1.11 |
1.01 |
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 |
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 |
No |
|
12] |
Profitability for last
three years |
No |
|
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 |
Yes |
|
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 |
Yes |
BUSINESS ACTIVITIES AND OPERATIONS:
The company has achieved total turnover for
the year 2010-11 of Rs.83.392 Millions as compared to Rs.120.723 Millions in
the year 2009-10.
Net Profit after all tax provision remained at
Rs.2.337 Millions and the same is a carried forward to the balance sheet.
The directors continue to make efforts to
increase the profitability in the consecutive years.
BANKERS CHARGES
REPORT AS PER REGISTRY
|
Corporate identity number of the company |
U28900MH2006PTC160654 |
|
Name of the company |
UNIFAB ENGINEERING PROJECT PRIVATE LIMITED |
|
Address of the registered office or of the principal place of business in |
A-112,Pratik Estate,1st Floor, Near Workhat Hospital, Mulund Goregaon
Link Road, Mumbai – 400076, Maharashtra, India E-mail : unifabengg@hotmail.com
|
|
This form is for |
Modification of charge |
|
Charge identification (ID) number of the charge to be modified |
10086911 |
|
Type of charge |
Any interest in immovable property |
|
Particular of charge holder |
Oriental Bank of Commerce, Mulund (West) Branch, Air Auto House, E-mail : emailroc@rediffmail.com
|
|
Nature of instrument creating charge |
No Instrument - Extension of Deposit of Title Deeds |
|
Date of instrument Creating the charge |
03.10.2011 |
|
Amount secured by the charge |
Rs.50.100 Millions |
|
Brief of the principal terms an conditions and extent and operation of
the charge |
Rate of Interest Interest rate or such other rate as agreed between the Borrower
Company and the Bank from time to time. Penal Interest in addition to agreed
rate in case of Default. Terms of Repayment Repayment, As agreed between the Borrower Company and the Bank from
time to time Margin Margin rate, As agreed between the Borrower Company and the Bank from
time to time. Extent and Operation of the charge At the request of the Borrower Company the Bank has Enhanced overall
Banking limit upto Rs. 50.100 Millions [i.e TL III Rs. 16.000 Millions, TL I
Rs. 4.500 Millions, BG Rs. 15.000 Millions, CC Rs. 5.000 Millions and One
time bank guarantee Rs. 9.600 Millions] against Mortgage of Leasehold
property rights in Property Situated at Plot No. F-64, and F-63 Additional
Ambernath, MIDC, Jambhivalli, Ambernath, Total Charge Stands Modified upto Rs. 50.100 Millions. |
|
Short particulars of the property or asset(s) charged (including
complete address and location of the property) |
Mortgage of Leasehold property rights in Property Situated at Plot No.
F-64,and F-63 Additional Ambernath, MIDC, Jambhivalli, Ambernath, |
|
Particulars of the present modification |
At the request of the Borrower Company the Bank has Enhanced overall Banking
limit upto Rs. 50.100 Millions [i.e TL III Rs. 16.000 Millions, TL I Rs.
4.500 Millions, BG Rs. 15.000 Millions, CC Rs. 5.000 Millions and One time
bank guarantee Rs. 9.600 Millions] against First Charge and Mortgage of
Leasehold property rights in Property Situated at Plot No. F-64, and F-63
Additional Ambernath, MIDC, Jambhivalli, Ambernath, Total Charge Stands Modified upto Rs. 50.100 Millions. |
FIXED ASSETS:
- Computer and
System
- Transformer
- Plant and
Machinery
- Fire Fighting
Equipment
- Furniture and
Fixtures
- Air
Conditioner
- Vehicle –
Honda Active
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 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.52.82 |
|
|
1 |
Rs.84.96 |
|
Euro |
1 |
Rs.68.61 |
INFORMATION DETAILS
|
Report Prepared
by : |
BSN |
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 |
5 |
|
--PROFITABILIRY |
1~10 |
5 |
|
--LIQUIDITY |
1~10 |
5 |
|
--LEVERAGE |
1~10 |
5 |
|
--RESERVES |
1~10 |
5 |
|
--CREDIT LINES |
1~10 |
4 |
|
--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 |
|
43 |
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.