|
Report Date : |
03.06.2013 |
IDENTIFICATION DETAILS
|
Name : |
BATAVIA EXIMP & CONTRACTING (S) PTE LTD |
|
|
|
|
Registered Office : |
101 Cecil Street, 23-03, Tong Eng Building, 069533 |
|
|
|
|
Country : |
Singapore |
|
|
|
|
Date of Incorporation : |
14.03.1981 |
|
|
|
|
Com. Reg. No.: |
198101038-D |
|
|
|
|
Legal Form : |
Exempt Private |
|
|
|
|
Line of Business : |
Wholesale of Timber, Agriculture Product & Other Related Product |
|
|
|
|
No. of Employees : |
5 |
RATING & COMMENTS
|
MIRA’s Rating : |
B |
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
26-40 |
B |
Capability to overcome financial difficulties seems comparatively
below average. |
Small |
|
Status : |
Moderate |
|
|
|
|
Payment Behaviour : |
No Complaints |
|
|
|
|
Litigation : |
Clear |
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 – March, 31st, 2013
|
Country Name |
Previous Rating (31.12.2012) |
Current Rating (31.03.2013) |
|
Singapore |
A1 |
A1 |
|
Risk Category |
ECGC
Classification |
|
Insignificant |
A1 |
|
Low |
A2 |
|
Moderate |
B1 |
|
High |
B2 |
|
Very High |
C1 |
|
Restricted |
C2 |
|
Off-credit |
D |
SINGAPORE - ECONOMIC OVERVIEW
Singapore has a highly developed and successful free-market
economy. It enjoys a remarkably open and corruption-free environment, stable prices,
and a per capita GDP higher than that of most developed countries. The economy
depends heavily on exports, particularly in consumer electronics, information
technology products, pharmaceuticals, and on a growing financial services
sector. Real GDP growth averaged 8.6% between 2004 and 2007. The economy
contracted 0.8% in 2009 as a result of the global financial crisis, but
rebounded 14.8% in 2010, on the strength of renewed exports, before slowing to
5.2% in 2011 and 1.3% in 2012, largely a result of soft demand for exports
during the second European recession. Over the longer term, the government
hopes to establish a new growth path that focuses on raising productivity,
which has sunk to an average of about 1.0% in the last decade. Singapore has attracted
major investments in pharmaceuticals and medical technology production and will
continue efforts to establish Singapore as Southeast Asia's financial and
high-tech hub.
|
Source
: CIA |
|
REGISTRATION NO. |
: |
198101038-D |
|
COMPANY NAME |
: |
BATAVIA EXIMP & CONTRACTING (S) PTE LTD |
|
FORMER NAME |
: |
N/A |
|
INCORPORATION DATE |
: |
14/03/1981 |
|
COMPANY STATUS |
: |
EXIST |
|
LEGAL FORM |
: |
EXEMPT PRIVATE |
|
LISTED STATUS |
: |
NO |
|
REGISTERED ADDRESS |
: |
101 CECIL STREET, 23-03, TONG ENG BUILDING, 069533, SINGAPORE. |
|
BUSINESS ADDRESS |
: |
101 CECIL STREET, 23-03, TONG ENG BUILDING, 069533, SINGAPORE. |
|
TEL.NO. |
: |
65-62255633 |
|
FAX.NO. |
: |
65-62255733 |
|
CONTACT PERSON |
: |
CHUA CHIN SEONG ( DIRECTOR ) |
|
PRINCIPAL ACTIVITY |
: |
WHOLESALE OF TIMBER, AGRICULTURE PRODUCT & OTHER RELATED PRODUCT |
|
ISSUED AND PAID UP CAPITAL |
: |
1,750,000.00 ORDINARY SHARE, OF A VALUE OF SGD 1,750,000.00 |
|
SALES |
: |
N/A |
|
NET WORTH |
: |
N/A |
|
BANKER (S) |
|
INDIAN BANK |
|
STAFF STRENGTH |
: |
5 [2013] |
|
LITIGATION |
: |
CLEAR |
|
FINANCIAL CONDITION |
: |
N/A |
|
PAYMENT |
: |
N/A |
|
MANAGEMENT CAPABILITY |
: |
AVERAGE |
|
COMMERCIAL RISK |
: |
MODERATE |
|
CURRENCY EXPOSURE |
: |
MODERATE |
|
GENERAL REPUTATION |
: |
SATISFACTORY |
|
INDUSTRY OUTLOOK |
: |
AVERAGE GROWTH |
The SC is an exempt private company whose shares are not held by any
corporate body and has no more than 20 shareholders who are all natural persons.
An exempt company is a type of private limited company. A private limited
company is a separate legal entity from its shareholders. As a separate legal
entity, the SC is capable of owning assets, entering into contracts, suing or
be sued by other companies. An exempt private company with an annual turnover
of less than SGD5 million are exempted from statutory auditing requirements.
Instead of filing audited annual accounts, the SC has to file in a document
duly signed by its director in charge of its finance and the company secretary
stating that the SC is able to meet all its obligations as and when they fall
due. The SC is not required to have their accounts audited. However, the SC
will prepare unaudited accounts for purposes of AGMs and filing with Registry
Office if it is unable to meet all its obligations as and when they fall due .
The SC is principally engaged in the (as a / as an) wholesale of timber,
agriculture product & other related product.
The major shareholder(s) of the SC are shown as follows :
|
Name |
Address |
IC/PP/Loc No |
Shareholding |
(%) |
|
HASANMIYA SULEMAN DARVESH + |
M/S SPECOM P O BOX 1070, AREA CODE 112, MUSCAT SULTANATE OF OMAN,
OMAN. |
Z1819092 |
507,500.00 |
29.00 |
|
VIJAY CHANDULAL KAPASI + |
M/S SPECOM P O BOX 1070, AREA CODE 112, MUSCAT SULTANATE OF OMAN,
OMAN. |
V321384 |
472,500.00 |
27.00 |
|
CHUA CHIN SEONG + |
14A CAMDEN PARK, CAMDEN PARK, 299816, SINGAPORE. |
S2009039A |
350,000.00 |
20.00 |
|
MODY ATISH JITENDRA + |
83 MEYER ROAD #12-02 MEYER PARK, 437910, SINGAPORE. |
S2751998I |
210,000.00 |
12.00 |
|
JAYANTKUMAR CHANDULAL KAPASI |
4400 THE WOODS DRIVE APARTMENT 601 SAN JOSE CALIFORNIA 951363849,
UNITED STATES. |
P710188172 |
52,500.00 |
3.00 |
|
RASESHKUMAR CHANDULAL KAPASI + |
M/S SPECOM P O BOX 1070, AREA CODE 112, MUSCAT SULTANATE OF OMAN,
OMAN. |
F4127410 |
52,500.00 |
3.00 |
|
KAPASI CHIRAG VIJAY + |
M/S SPECOM P O BOX 1070, AREA CODE 112, MUSCAT SULTANATE OF OMAN,
OMAN. |
F7779718 |
52,500.00 |
3.00 |
|
KAPASI RANJIT CHANDULAL |
MODERN GARMENT FACTORY, P O BOX 2152 AREA CODE 112 RUWI, SULTANATE OF
OMAN, OMAN. |
A1991818 |
52,500.00 |
3.00 |
|
|
|
|
--------------- |
------ |
|
|
|
|
1,750,000.00 |
100.00 |
|
|
|
|
============ |
===== |
+ Also Director
DIRECTOR 1
|
Name Of Subject |
: |
RASESHKUMAR CHANDULAL KAPASI |
|
Address |
: |
M/S SPECOM P O BOX 1070, AREA CODE 112, MUSCAT SULTANATE OF OMAN,
OMAN. |
|
IC / PP No |
: |
F4127410 |
|
Nationality |
: |
INDIAN |
|
Date of Appointment |
: |
21/07/1986 |
DIRECTOR 2
|
Name Of Subject |
: |
KAPASI CHIRAG VIJAY |
|
Address |
: |
M/S SPECOM P O BOX 1070, AREA CODE 112, MUSCAT SULTANATE OF OMAN,
OMAN. |
|
IC / PP No |
: |
F7779718 |
|
Nationality |
: |
INDIAN |
|
Date of Appointment |
: |
09/06/2008 |
DIRECTOR 3
|
Name Of Subject |
: |
MODY ATISH JITENDRA |
|
Address |
: |
83 MEYER ROAD #12-02 MEYER PARK, 437910, SINGAPORE. |
|
IC / PP No |
: |
S2751998I |
|
Nationality |
: |
SINGAPOREAN |
|
Date of Appointment |
: |
01/06/1984 |
|
Remark |
: |
APPOINTED AS MD ON 01/12/1989 |
DIRECTOR 4
|
Name Of Subject |
: |
CHUA CHIN SEONG |
|
Address |
: |
14A CAMDEN PARK, CAMDEN PARK, 299816, SINGAPORE. |
|
IC / PP No |
: |
S2009039A |
|
Nationality |
: |
SINGAPOREAN |
|
Date of Appointment |
: |
16/05/1983 |
DIRECTOR 5
|
Name Of Subject |
: |
VIJAY CHANDULAL KAPASI |
|
Address |
: |
M/S SPECOM P O BOX 1070, AREA CODE 112, MUSCAT SULTANATE OF OMAN,
OMAN. |
|
IC / PP No |
: |
V321384 |
|
Nationality |
: |
INDIAN |
|
Date of Appointment |
: |
16/05/1983 |
DIRECTOR 6
|
Name Of Subject |
: |
HASANMIYA SULEMAN DARVESH |
|
Address |
: |
M/S SPECOM P O BOX 1070, AREA CODE 112, MUSCAT SULTANATE OF OMAN,
OMAN. |
|
IC / PP No |
: |
Z1819092 |
|
Nationality |
: |
INDIAN |
|
Date of Appointment |
: |
16/05/1983 |
|
1) |
Name of Subject |
: |
CHUA CHIN SEONG |
|
|
Position |
: |
DIRECTOR |
|
Auditor |
: |
WU CHIAW CHING & COMPANY |
|
Auditor' Address |
: |
N/A |
|
1) |
Company Secretary |
: |
WONG SOOK ENG |
|
|
IC / PP No |
: |
S2167747G |
|
|
|
|
|
|
|
Address |
: |
36, BEDOK SOUTH AVENUE 2, 16-405, 460036, SINGAPORE. |
Banking relations are maintained principally with :
|
1) |
Name |
: |
INDIAN BANK |
|
|
|
|
|
|
The SC enjoys normal banking routine with above mentioned banker(s).
No adverse record was found during our investigation. |
ENCUMBRANCE 1
|
Date of Creation |
: |
12/12/2003 |
||
|
Description Of Charge |
: |
N/A
|
||
|
Amount Secured |
: |
N/A |
||
|
Description Of Property Affected |
: |
N/A
|
||
|
Name & Address Of Chargee |
: |
|
||
|
Form 40 Dated |
||||
|
Registered and Numbered C200306006 In The Register of Charges |
||||
ENCUMBRANCE 2
|
Date of Creation |
: |
20/09/2008 |
||
|
Description Of Charge |
: |
N/A
|
||
|
Amount Secured |
: |
N/A |
||
|
Description Of Property Affected |
: |
N/A
|
||
|
Name & Address Of Chargee |
: |
|
||
|
Form 40 Dated |
||||
|
Registered and Numbered C200808785 In The Register of Charges |
||||
* A check has been conducted in our databank againt the SC whether the subject
has been involved in any litigation.
No legal action was found in our databank.
No winding up petition was found in our databank.
|
SOURCES OF RAW MATERIALS: |
||
|
Local |
: |
N/A |
|
Overseas |
: |
N/A |
|
|
|
|
The SC refused to disclose its suppliers.
|
Local |
: |
YES |
Percentage |
: |
40% |
|
Domestic Markets |
: |
SINGAPORE |
|||
|
Overseas |
: |
YES |
Percentage |
: |
60% |
|
Export Market |
: |
ASIA |
|||
|
Credit Term |
: |
N/A |
|||
|
Payment Mode |
: |
CHEQUES |
|||
|
Goods Traded |
: |
TIMBER, AGRICULTURE PRODUCT
|
|
Total Number of Employees: |
|||||||||
|
YEAR |
2013 |
2011 |
|
||||||
|
GROUP |
N/A |
N/A |
|
|
|
|
|
|
|
|
COMPANY |
5 |
3 |
|
|
|
|
|
|
|
|
Branch |
: |
NO
|
Other Information:
The SC is principally engaged in the (as a / as an) wholesale of timber,
agriculture product & other related product.
The SC engaged in wholesale of wood product such as:
Timber, Building Materials, Logs, Sawn Timber, Plywood Veneers & All Wood
Related product.
Latest fresh investigations carried out on the SC indicated that :
|
Telephone Number Provided By Client |
: |
6562255633 |
|
Current Telephone Number |
: |
65-62255633 |
|
Match |
: |
YES |
|
|
|
|
|
Address Provided by Client |
: |
23-03, TONG ENG BUILDING, 101 CECIL STREET, SINGAPORE 069533 |
|
Current Address |
: |
101 CECIL STREET, 23-03, TONG ENG BUILDING, 069533, SINGAPORE. |
|
Match |
: |
YES |
Other Investigations
On 29th May 2013 we contacted one of the SC staff and she provided some
information regarding to the SC.
|
The SC is a private exempt company which does not need to file in its accounts
with the Registrar of Companies for the information of the public. Therefore,
we are not able to comment on the SC's financial performance. |
|
Overall financial condition of the SC : N/A |
|
Major Economic Indicators : |
2008 |
2009 |
2010 |
2011 |
2012 |
|
|
|
|
|
|
|
|
Population (Million) |
4.84 |
4.98 |
5.08 |
5.18 |
5.31 |
|
Gross Domestic Products ( % ) |
1.5 |
<0.8> |
14.5 |
4.9 |
1.3 |
|
Consumer Price Index |
6.6 |
0.6 |
2.8 |
5.2 |
4.6 |
|
Total Imports (Million) |
450,892.6 |
356,299.3 |
423,221.8 |
459,655.1 |
474,554.0 |
|
Total Exports (Million) |
476,762.2 |
391,118.1 |
478,840.7 |
514,741.2 |
510,329.0 |
|
|
|
|
|
|
|
|
Unemployment Rate (%) |
2.2 |
3.2 |
2.2 |
2.1 |
2.0 |
|
Tourist Arrival (Million) |
10.12 |
9.68 |
11.64 |
13.17 |
14.37 |
|
Hotel Occupancy Rate (%) |
81.0 |
75.8 |
85.6 |
86.5 |
86.4 |
|
Cellular Phone Subscriber (Million) |
1.31 |
1.37 |
1.43 |
1.50 |
1.52 |
|
|
|
|
|
|
|
|
Registration of New Companies (No.) |
25,327 |
26,414 |
29,798 |
32,317 |
31,892 |
|
Registration of New Companies (%) |
<2.2> |
4.3 |
12.8 |
8.5 |
<1.3> |
|
Liquidation of Companies (No.) |
10,493 |
22,393 |
15,126 |
19,005 |
17,218 |
|
Liquidation of Companies (%) |
13.7 |
113.4 |
<32.5> |
25.6 |
9.4 |
|
|
|
|
|
|
|
|
Registration of New Businesses (No.) |
24,850 |
26,876 |
23,978 |
23,494 |
24,788 |
|
Registration of New Businesses (%) |
0.36 |
8.15 |
<10.78> |
2.02 |
5.51 |
|
Liquidation of Businesses (No.) |
21,150 |
23,552 |
24,211 |
23,005 |
22,489 |
|
Liquidation of Businesses (%) |
<0.8> |
11.4 |
2.8 |
<5> |
<2.2> |
|
|
|
|
|
|
|
|
Bankruptcy Orders (No.) |
2,326 |
2,058 |
1,537 |
1,527 |
1,748 |
|
Bankruptcy Orders (%) |
<15.9> |
<11.5> |
<25.3> |
<0.7> |
14.5 |
|
Bankruptcy Discharges (No.) |
1,500 |
3,056 |
2,252 |
1,391 |
1,881 |
|
Bankruptcy Discharges (%) |
<7.7> |
103.7 |
<26.3> |
<38.2> |
35.2 |
|
|
|
|
|
|
|
|
INDUSTRIES ( % of Growth ) : |
|
|
|
|
|
|
Agriculture |
|
|
|
|
|
|
Production of Principal Crops |
<0.32> |
3.25 |
<0.48> |
4.25 |
3.64 |
|
Fish Supply & Wholesale |
<6.31> |
<1.93> |
<10.5> |
12.10 |
<0.5> |
|
|
|
|
|
|
|
|
Manufacturing * |
74.6 |
71.5 |
92.8 |
100.0 |
100.3 |
|
Food, Beverages & Tobacco |
94.8 |
90.4 |
96.4 |
100.0 |
103.5 |
|
Textiles |
180.1 |
145.9 |
122.1 |
100.0 |
104.0 |
|
Wearing Apparel |
334.6 |
211.0 |
123.3 |
100.0 |
92.1 |
|
Leather Products & Footwear |
128.2 |
79.5 |
81.8 |
100.0 |
98.6 |
|
Wood & Wood Products |
132.0 |
101.4 |
104.0 |
100.0 |
95.5 |
|
Paper & Paper Products |
101.0 |
95.4 |
106.1 |
100.0 |
97.4 |
|
Printing & Media |
118.2 |
100.9 |
103.5 |
100.0 |
93.0 |
|
Crude Oil Refineries |
113.1 |
96.4 |
95.6 |
100.0 |
99.4 |
|
Chemical & Chemical Products |
84.5 |
80.3 |
97.6 |
100.0 |
100.5 |
|
Pharmaceutical Products |
43.7 |
49.1 |
75.3 |
100.0 |
109.7 |
|
Rubber & Plastic Products |
120.1 |
101.2 |
112.3 |
100.0 |
96.5 |
|
Non-metallic Mineral |
96.5 |
91.9 |
92.5 |
100.0 |
98.2 |
|
Basic Metals |
109.8 |
92.6 |
102.2 |
100.0 |
90.6 |
|
Fabricated Metal Products |
101.3 |
90.8 |
103.6 |
100.0 |
104.3 |
|
Machinery & Equipment |
65.0 |
57.3 |
78.5 |
100.0 |
112.9 |
|
Electrical Machinery |
81.7 |
86.8 |
124.1 |
100.0 |
99.3 |
|
Electronic Components |
93.1 |
85.2 |
113.6 |
100.0 |
90.6 |
|
Transport Equipment |
102.0 |
96.0 |
94.0 |
100.0 |
106.3 |
|
|
|
|
|
|
|
|
Construction |
45.90 |
<36.9> |
14.20 |
20.50 |
28.70 |
|
Real Estate |
<11.2> |
1.4 |
21.3 |
25.4 |
31.9 |
|
|
|
|
|
|
|
|
Services |
|
|
|
|
|
|
Electricity, Gas & Water |
<1.3> |
1.70 |
4.00 |
7.00 |
6.30 |
|
Transport, Storage & Communication |
11.60 |
3.90 |
12.80 |
7.40 |
5.30 |
|
Finance & Insurance |
<5.9> |
<16.4> |
<0.4> |
8.90 |
0.50 |
|
Government Services |
17.40 |
4.50 |
9.70 |
6.90 |
6.00 |
|
Education Services |
0.50 |
0.10 |
<0.9> |
<1.4> |
0.30 |
|
|
|
|
|
|
|
|
* Based on Index of Industrial Production (2011 = 100) |
|
|
|
|
|
|
(Source : Department of Statistics) |
|
|
|
|
|
|
INDUSTRY : |
TRADING |
|
|
|
|
The wholesale and retail trade sector contracted by 1.5% in the fourth
quarter of 2012, extending the 0.2% decline in the preceding quarter. For the
whole of 2012, the sector declined by 0.7%, reversing the 1.6% growth in
2011. The sector was weighed down primarily by the wholesale trade segment.
In 2012, the wholesale trade segment contracted by 1.0%, a reversal from the
1.4% growth in 2011. Growth of the retail trade segment also moderated to
2.0%, from 3.2% in the year 2011. |
|
|
|
|
|
The domestic wholesale trade index grew by 1.2% in the fourth quarter
of 2012, an improvement from the 5.4% decline in the third quarter. This was partly
due to an increase in the sales of chemicals & chemical products and ship
chandlers & bunkering. For the full year of 2012, the domestic wholesale
trade index contracted by 2.2%, extending the 1.7% decline in 2011. The
foreign wholesale trade index grew by 8.6% in the fourth quarter, an increase
from the 6.6% growth in the third quarter. The expansion was partly due to
resilient sales of petroleum & petroleum products. For the whole of 2012,
the foreign wholesale trade index expanded by 9.1%, faster than the 4.3%
increase in 2011. |
|
|
|
|
|
In the fourth quarter of 2012, retail sales volume declined by 2.0%,
extending the 0.3% decline in the third quarter. Excluding motor vehicles, retail
sales volume grew by 0.4%, a slight moderation compared to the 1.5% gain in
the third quarter of 2012. The sales volume of motor vehicles fell by 11% in
the fourth quarter of 2012, after contracting by 6.1% in the third quarter.
The sales of several discretionary items also declined in the fourth quarter.
Besides, the sales of optical goods & books in 2012 fell by 3.6%, while
the sales of telecommunications apparatus & computers declined by 1.4%. |
|
|
|
|
|
For 2012 as a whole, retail sales volume grew by 1.3%, compared to the
2.0% expansion in 2011. Excluding motor vehicle sales, the increase in retail
sales volume also moderated from 5.4% in 2011 to 1.7% in 2012. Medical goods
& toiletries registered the largest increase (9.3%) in sales, followed by
telecommunications apparatus & computers (6.9%). By contrast, the sales
of watches & jewellery (-2.2%) and optical goods & books (-3.6%)
declined. |
|
|
|
|
|
OVERALL INDUSTRY OUTLOOK : AVERAGE GROWTH |
|
Incorporated in 1981, the SC is an Exempt Private company, focusing on
wholesale of timber, agriculture product & other related product. With its
long presence in the industry coupled with its vast experiences in the
business, the SC should have built up certain goodwill with its clients over
times. The capital standing of the SC is fair. With an adequate share capital,
the SC has the potential of expanding its business in future. However, the SC
does not have strong shareholders' backing.
Over the years, the SC has established an extensive clientele base in the
market. Besides catering to the local market, the SC has penetrated into other
countries. With the contribution of both local and overseas customers, the SC
is likely to minimised its commercial risk. Being a small company, the SC's
business operation is supported by 5 employees. Overall, we regard that the
SC's management capability is average.
As the SC is registered as an Exempt Private company, it is not required to
file financial statements for public review. As such, we are unable to
ascertain its present financial health.
The industry shows an upward trend and this trend is very likely to sustain in
the near terms. Hence, the SC is expected to benefit from the favourable
outlook of the industry. Nonetheless, the SC should adopt better competitive
strategies in order to sustain its business position and to compete with other
well established players in the same industry.
In view of the above, we recommend credit be granted to the SC with close
monitoring.
No latest financial accounts are available at the Registry Office.
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.56.49 |
|
|
1 |
Rs.86.81 |
|
Euro |
1 |
Rs.73.68 |
INFORMATION DETAILS
|
Report Prepared
by : |
SDA |
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 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%)
This report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL)
or its officials.