|
Report Date : |
27.02.2013 |
IDENTIFICATION DETAILS
|
Name : |
YANNI INTERNATIONAL PRIVATE LIMITED |
|
|
|
|
Registered
Office : |
9/6, Main Road, Kailash Nagar, New Delhi-110031 |
|
|
|
|
Country : |
India |
|
|
|
|
Financials (as
on) : |
31.03.2012 |
|
|
|
|
Date of
Incorporation : |
10.05.2000 |
|
|
|
|
Com. Reg. No.: |
55-105627 |
|
|
|
|
Capital
Investment / Paid-up Capital : |
Rs.3.835
Millions |
|
|
|
|
CIN No.: [Company Identification
No.] |
U74899DL2000PTC105627 |
|
|
|
|
TAN No.: [Tax Deduction &
Collection Account No.] |
DELY00395D |
|
|
|
|
Legal Form : |
Private Limited Liability Company |
|
|
|
|
Line of Business
: |
Manufacturer and Exporter of Nozzles (Auto Parts) Which is Covered in
Fuel Injection Parts. |
|
|
|
|
No. of Employees
: |
Not Available |
RATING & COMMENTS
|
MIRA’s Rating : |
B (30) |
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
26-40 |
B |
Capability to overcome financial difficulties seems comparatively
below average. |
Small |
|
Maximum Credit Limit : |
USD 17700 |
|
|
|
|
Status : |
Small Company |
|
|
|
|
Payment Behaviour : |
Slow |
|
|
|
|
Litigation : |
Clear |
|
|
|
|
Comments : |
Subject is a small company in its field. Its scale of activities is
limited. It has moderate track record. The financial position of the company is
vulnerable. There appears some dip in the turnover of the company during 2012 and
the profitability of the company is also low. However, trade relations are reported as fair. Business is active.
Payment terms are slow. The company can be considered for small to mediocre 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.
LOCATIONS
|
Registered Office : |
9/6, Main Road, Kailash Nagar, New Delhi-110031, India |
|
Tel. No.: |
Not Available |
|
Mobile No.: |
91-9990404318 [Mr. Avtar Gurdeep Singh] |
|
Fax No.: |
Not Available |
|
E-Mail : |
|
|
|
|
|
Factory / Head Office : |
4/28, Site – 4, Adarsh, Industrial Plot, Sahibabad, Ghaziabad-201010,
Uttar Pradesh, India |
|
Tel No.: |
91-120-4374189/22070059 |
|
Fax No.: |
91-120-4374189 |
DIRECTORS
AS ON 28.09.2012
|
Name : |
Mr. Gurdeep Singh |
|
Designation : |
Director |
|
Address : |
2200, Gali No. 10, Kailash Nagar, Gandhi Nagar, New Delhi-110031,
India |
|
Date of Birth/Age : |
15.03.1942 |
|
Date of Appointment : |
10.05.2000 |
|
Din No.: |
03340654 |
|
|
|
|
Name : |
Mr. Anand Singh Satnam |
|
Designation : |
Director |
|
Address : |
2200, Gali No. 10, Kailash Nagar, Gandhi Nagar, New Delhi-110031,
India |
|
Date of Birth/Age : |
23.10.1971 |
|
Date of Appointment : |
10.05.2000 |
|
Din No.: |
02906414 |
|
|
|
|
Name : |
Mr. Avtar Gurdeep Singh |
|
Designation : |
Director |
|
Address : |
HN-129, Som Bazar, South Anarkali, Chander Nagar, New Delhi-110051,
India |
|
Date of Birth/Age : |
03.12.1962 |
|
Date of Appointment : |
25.07.2011 |
|
Din No.: |
03512795 |
MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN
AS ON 28.09.2012
|
Names of Shareholders |
|
No. of Shares |
|
Gurdeep Singh |
|
10001 |
|
Avtar Gurdeep Singh |
|
1340 |
|
Anand Singh Satnam |
|
27001 |
|
Jyoti Sharma |
|
5 |
|
|
|
|
|
TOTAL
|
|
38347 |
AS ON 28.09.2012
|
Equity Share Breakup |
|
Percentage of Holding |
|
Category |
|
|
|
Directors
or relatives of directors |
|
100.00 |
BUSINESS DETAILS
|
Line of Business : |
Manufacturer and Exporter of Nozzles (Auto Parts) Which is Covered in
Fuel Injection Parts. |
|
|
|
|
Exports : |
|
|
Products : |
Auto Parts |
|
Countries : |
·
UAE ·
Middle East |
|
|
|
|
Imports : |
|
|
Products : |
Scrap |
|
Countries : |
·
USA ·
Middle East |
PRODUCTION STATUS [AS ON 31.03.2012]
|
Particulars |
Unit |
Licensed
Capacity |
Installed
Capacity |
Actual
Production |
|
Fuel Injection Parts-Nozzle [Auto Parts] |
Pcs. |
Not
Ascertainable |
Not
Ascertainable |
48542 |
GENERAL INFORMATION
|
No. of Employees : |
Not Available |
|||||||||||||||||||||||||||
|
|
|
|||||||||||||||||||||||||||
|
Bankers : |
·
State Bank of India, SME Branch, First Floor, Shahdara,
New Delhi-110032, India ·
Bank of Baroda |
|||||||||||||||||||||||||||
|
|
|
|||||||||||||||||||||||||||
|
Facilities : |
|
|
|
|
|
Banking
Relations : |
-- |
|
|
|
|
Auditors : |
|
|
Name : |
Bhupinder Shah and Company Chartered Accountants |
|
Address : |
C-12, Raj Nagar, Pitampura, New Delhi-110034, India |
|
PAN No: |
AAAFB0031C |
CAPITAL STRUCTURE
AS ON 31.03.2012
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 |
|
38347 |
Equity Shares |
Rs.100/- each |
Rs.3.835
Millions |
FINANCIAL DATA
[all figures are
in Rupees Millions]
ABRIDGED BALANCE
SHEET
|
SOURCES OF FUNDS |
31.03.2012 |
31.03.2011 |
31.03.2010 |
|
|
SHAREHOLDERS FUNDS |
|
|
|
|
|
1] Share Capital |
3.835 |
3.835 |
3.835 |
|
|
2] Share Application Money |
0.000 |
0.000 |
0.000 |
|
|
3] Reserves & Surplus |
0.591 |
0.532 |
0.436 |
|
|
4] (Accumulated Losses) |
0.000 |
0.000 |
0.000 |
|
|
NETWORTH |
4.426 |
4.367 |
4.271 |
|
|
LOAN FUNDS |
|
|
|
|
|
1] Secured Loans |
3.172 |
1.560 |
1.344 |
|
|
2] Unsecured Loans |
4.655 |
2.514 |
1.654 |
|
|
TOTAL BORROWING |
7.827 |
4.074 |
2.998 |
|
|
DEFERRED TAX LIABILITIES |
0.172 |
0.167 |
0.201 |
|
|
|
|
|
|
|
|
TOTAL |
12.425 |
8.608 |
7.470 |
|
|
|
|
|
|
|
|
APPLICATION OF FUNDS |
|
|
|
|
|
|
|
|
|
|
|
FIXED ASSETS [Net Block] |
5.669 |
4.153 |
4.329 |
|
|
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 |
6.315
|
2.451 |
0.793 |
|
|
Sundry Debtors |
1.571
|
2.590 |
1.105 |
|
|
Cash & Bank Balances |
0.261
|
0.277 |
1.116 |
|
|
Other Current Assets |
0.188
|
0.000 |
0.000 |
|
|
Loans & Advances |
0.939
|
1.075 |
0.295 |
|
Total
Current Assets |
9.274
|
6.393 |
3.309 |
|
|
Less : CURRENT
LIABILITIES & PROVISIONS |
|
|
|
|
|
|
Sundry Creditors |
0.531
|
1.811 |
0.072 |
|
|
Other Current Liabilities |
1.908
|
0.127 |
0.027 |
|
|
Provisions |
0.079
|
0.000 |
0.069 |
|
Total
Current Liabilities |
2.518
|
1.938 |
0.168 |
|
|
Net Current Assets |
6.756
|
4.455 |
3.141 |
|
|
|
|
|
|
|
|
MISCELLANEOUS EXPENSES |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
12.425 |
8.608 |
7.470 |
|
PROFIT & LOSS
ACCOUNT
|
|
PARTICULARS |
31.03.2012 |
31.03.2011 |
31.03.2010 |
|
|
|
SALES |
|
|
|
|
|
|
|
Gross Turnover |
8.875 |
10.664 |
4.154 |
|
|
|
Other Income |
NA |
NA |
NA |
|
|
|
TOTAL |
NA |
NA |
NA |
|
|
|
|
|
|
|
|
Less |
EXPENSES |
|
|
|
|
|
|
|
TOTAL |
NA |
NA |
NA |
|
|
|
|
|
|
|
|
|
PROFIT / (LOSS)
BEFORE TAX |
0.143 |
0.149 |
0.078 |
|
|
|
|
|
|
|
|
|
Less |
TAX |
0.084 |
0.053 |
0.039 |
|
|
|
|
|
|
|
|
|
|
PROFIT / (LOSS)
AFTER TAX |
0.059 |
0.096 |
0.039 |
|
|
|
|
|
|
|
|
|
Add |
PREVIOUS
YEARS’ BALANCE BROUGHT FORWARD |
0.532 |
0.436 |
0.397 |
|
|
|
|
|
|
|
|
|
|
BALANCE CARRIED
TO THE B/S |
0.591 |
0.532 |
0.436 |
|
|
|
|
|
|
|
|
|
|
EARNINGS IN
FOREIGN CURRENCY |
|
|
|
|
|
|
|
Export Earnings |
7.488 |
6.529 |
4.157 |
|
|
|
|
|
|
|
|
|
IMPORTS |
|
|
|
|
|
|
|
Aluminium Scrap |
4.878 |
2.892 |
0.000 |
|
|
|
|
|
|
|
|
|
Earnings /
(Loss) Per Share (Rs.) |
1.53 |
2.50 |
-- |
|
KEY RATIOS
|
PARTICULARS |
|
31.03.2012 |
31.03.2011 |
31.03.2010 |
|
Return on Total Assets (PBT/Total Assets} |
(%) |
0.95
|
1.41 |
1.02 |
|
|
|
|
|
|
|
Return on Investment (ROI) (PBT/Networth) |
|
0.03
|
0.03 |
0.02 |
|
|
|
|
|
|
|
Debt Equity Ratio (Total Debt/Networth) |
|
1.77
|
0.93 |
0.70 |
|
|
|
|
|
|
|
Current Ratio (Current Asset/Current Liability) |
|
3.68
|
3.30 |
19.70 |
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 |
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 |
No |
|
17] |
Major suppliers |
No |
|
18] |
Major customers |
No |
|
19] |
Payments terms |
No |
|
20] |
Export / Import details (if applicable) |
Yes |
|
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] |
PAN of Proprietor/Partner/Director, if available |
No |
|
32] |
Date
of Birth of Proprietor/Partner/Director, if available |
Yes |
|
33] |
Voter ID No of Proprietor/Partner/Director, if available |
No |
|
34] |
External Agency Rating, if available |
No |
OPERATIONS:
During the year, the Company achieved turnover of Rs.8.875 Millions
(Previous year Rs.10.664 Millions) and profit before tax of Rs.0.143 Million (Previous
year Rs.0.149 Million). The Company's profit after tax was Rs.0.059 Million
(Previous year Rs.0.096 Million).
|
Unsecured Loan |
As
on 31.03.2012 [Rs.
in Millions] |
As
on 31.03.2011 [Rs.
in Millions] |
|
From Others |
|
|
|
From related parties |
|
|
|
Avat Singh Anand |
1.527 |
0.000 |
|
Gurdeep Singh and Sons |
0.859 |
0.334 |
|
Richi Trading Company |
0.907 |
0.907 |
|
Satnam Singh |
1.235 |
1.146 |
|
Jyoti Sharma |
0.127 |
0.127 |
|
TOTAL
|
4.655 |
2.514 |
BANKERS CHARGES
REPORT AS PER REGISTRY
|
This form is for |
Modification of
charge |
|
Charge
identification number of the modified |
90039821 |
|
Corporate
identity number of the company |
U74899DL2000PTC105627 |
|
Name of the
company |
YANNI
INTERNATIONAL PRIVATE LIMITED |
|
Address of the
registered office or of the principal place of business in |
9/6, Main Road, Kailash Nagar, New Delhi-110031, India |
|
Type of charge |
Book Debts Movable Property Floating Charge Immovable property Others |
|
Particular of
charge holder |
State Bank of India, SME Branch, First Floor, Shahdara, New
Delhi-110032, India Email: ankita.tiwari@sbi.co.in
|
|
Nature of
description of the instrument creating or modifying the charge |
Agreement Of Loan
cum Hypothecation(SME 2) Letter of
Arrangement(SME 1) Memorandum for
recording Extension of Mortgage by deposit of Title deeds.(SME 7) Copy of Recital |
|
Date of
instrument Creating the charge |
26.11.2012 |
|
Amount secured by
the charge |
Rs.46.200
Millions |
|
Brief particulars
of the principal terms an conditions and extent and operation of the charge |
Rate of Interest Base Rate +4.50% presently
effective@14.25% p.a. on monthly rest or such other rate(s) specified by the
bank from time to time. Terms of Repayment On demand Margin Stocks -25% Domestics
Receivables -40% BG-25% LC/ Buyer's
Credit -25% Extent and Operation of the charge 100% First
exclusive charge |
|
Short particulars
of the property charged |
First
hypothecation charge on entire current assets of the Co's including stocks in
trade etc lying in their premises, godown, elsewhere and including goods in
transit. First hypothecation
charge over the Co's all present and future book debts/receivables stipulated
BG margin. Equitable
mortgage of land and building situated at 4/28 Adarsh Industrial estate, site
-IV Sahibabad U.P. in the name of the company together with all infrastructure
thereon. IX/6, (New),
1005(old no.) Plot no. 7, out of Khasra no. 329/33, Main Road, Kailash Nagar
Village Seelapur, Illaqa, Shahdara, Delhi-32 in the name of Shri Gurdeep
Singh. |
|
Particulars of
the present modification |
Credit facilities
sanctioned to the company now enhanced to Rs.46.200 Millions as under :- FBWC ( CC+EPC)
Rs.6.200 Millions NBFC ( LC+
Buyer's Credit ) Rs.40.000 Millions Total Rs.46.200
Millions. |
FIXED ASSETS:
·
AC
·
Building
·
Car
·
Computers
·
Cycles
·
Factory Land
·
Fan
·
Fire Equipments
·
Furniture
·
Machinery
·
Office Equipments
·
Voltage Stabilizer
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 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.54.06 |
|
|
1 |
Rs.82.15 |
|
Euro |
1 |
Rs.70.61 |
INFORMATION DETAILS
|
Report Prepared
by : |
TPT |
SCORE & RATING EXPLANATIONS
|
SCORE FACTORS |
RANGE |
POINTS |
|
HISTORY |
1~10 |
3 |
|
PAID-UP CAPITAL |
1~10 |
2 |
|
OPERATING SCALE |
1~10 |
5 |
|
FINANCIAL CONDITION |
|
|
|
--BUSINESS SCALE |
1~10 |
5 |
|
--PROFITABILIRY |
1~10 |
3 |
|
--LIQUIDITY |
1~10 |
3 |
|
--LEVERAGE |
1~10 |
3 |
|
--RESERVES |
1~10 |
2 |
|
--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 |
|
--RBI |
YES/NO |
NO |
|
--EPF |
YES/NO |
NO |
|
TOTAL |
|
30 |
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.