|
Report Date : |
06.03.2013 |
IDENTIFICATION DETAILS
|
Name : |
M K PETRO PRODUCTS INDIA PRIVATE LIMITED |
|
|
|
|
Registered
Office : |
180-C, Jeevan Nagar, |
|
|
|
|
Country : |
|
|
|
|
|
Financials (as
on) : |
31.03.2012 |
|
|
|
|
Date of
Incorporation : |
04.03.1985 |
|
|
|
|
Com. Reg. No.: |
55-020330 |
|
|
|
|
Capital
Investment / Paid-up Capital : |
Rs.2.750 Millions |
|
|
|
|
CIN No.: [Company Identification
No.] |
U74899DL1985PTC020330 |
|
|
|
|
TAN No.: [Tax Deduction &
Collection Account No.] |
DELM10204F |
|
|
|
|
PAN No.: [Permanent Account No.] |
AAACM5049G |
|
|
|
|
Legal Form : |
Private Limited Liability Company |
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|
|
|
Line of Business
: |
Manufacturer and Importer of Water Proofing and Insulation Products. |
|
|
|
|
No. of Employees
: |
Not Available |
RATING & COMMENTS
|
MIRA’s Rating : |
Ba (45) |
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
41-55 |
Ba |
Overall operation is considered normal. Capable to meet normal
commitments. |
Satisfactory |
|
Maximum Credit Limit : |
USD 83296 |
|
|
|
|
Status : |
Satisfactory |
|
|
|
|
Payment Behaviour : |
Usually correct |
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|
Litigation : |
Clear |
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|
Comments : |
Subject is an established company having Satisfactory track. The
company has performed well during the current year. 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 for normal 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 |
|
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 DENIED BY
|
Name : |
Mr. Sudhir |
|
Designation : |
Director |
|
Contact No.: |
91-11-26841669 |
|
Date : |
18.02.2013 |
LOCATIONS
|
Registered Office : |
180-C, Jeevan Nagar, |
|
Tel. No.: |
91-11-26343647/ 26341607/ 26341669 |
|
Mobile No.: |
91-9810213162 (Mr. Sudhir) |
|
Fax No.: |
91-11-26340780 |
|
E-Mail : |
|
|
Location : |
Owned |
|
|
|
|
Factory : |
Located at : |
DIRECTORS
AS ON 29.09.2012
|
Name : |
Mr. Sudhir Kumar Jaini |
|
Designation : |
Director |
|
Address : |
House No.381, Sector 10, |
|
Date of Birth/Age : |
05.04.1965 |
|
Date of Appointment : |
15.04.2000 |
|
DIN No.: |
01106623 |
|
|
|
|
Name : |
Mr. Ram Niwas Jain |
|
Designation : |
Director |
|
Address : |
House No.381, Sector 10, |
|
Date of Birth/Age : |
15.02.1938 |
|
Date of Appointment : |
01.05.2001 |
|
DIN No.: |
01480026 |
|
|
|
|
Name : |
Mr. Noopur Jaini |
|
Designation : |
Director |
|
Address : |
House No.381, Sector 10, |
|
Date of Birth/Age : |
13.12.1970 |
|
Date of Appointment : |
01.06.2000 |
|
DIN No.: |
01106405 |
|
|
|
|
Name : |
Mr. Vijay Shree Jain |
|
Designation : |
Director |
|
Address : |
House No.381, Sector 10, |
|
Date of Birth/Age : |
08.12.1942 |
|
Date of Appointment : |
01.05.2007 |
|
DIN No.: |
01480045 |
KEY EXECUTIVES
|
Name : |
Ms. Sheelu |
|
Designation : |
Manager Administrative |
MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN
AS ON 29.09.2012
|
Names of Shareholders |
|
No. of Shares |
|
Sudhir Kumar Jaini |
|
9084 |
|
Ram Niwas Jain |
|
2041 |
|
V.S Jain |
|
550 |
|
Ritu Jain |
|
25 |
|
Noopur Jain |
|
5800 |
|
Baby Rishika Jaini |
|
2000 |
|
Master Rishabh Kumar Jaini |
|
6000 |
|
Secur Telecom Limited, |
|
2000 |
|
TOTAL |
|
27500 |
Equity Share Break up (Percentage of Total Equity)
AS ON 29.09.2012
|
Category |
Percentage |
|
Bodies corporate |
7.27 |
|
Directors or relatives of Directors |
92.73 |
|
Total |
100.00 |
BUSINESS DETAILS
|
Line of Business : |
Manufacturer and Importer of Water Proofing and Insulation Products. |
PRODUCTION STATUS
As on 31.03.2012
|
Particulars |
Unit |
Licensed
Capacity |
Installed
Capacity |
Actual
Production |
|
|
|
|
|
|
|
Makfelt Hessian Base |
Rolls |
NA |
150000 |
NA |
|
Blown Bitumen |
KG |
NA |
1.500 |
NA |
|
Mak Felt FG Base |
Roll |
NA |
-- |
NA |
|
Mak Kote |
KG |
NA |
-- |
173120 |
|
Mak Primer |
Ltr |
NA |
-- |
37260 |
GENERAL INFORMATION
|
No. of Employees : |
Not Available |
||||||||||||||||||||||||||||||
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||||||||||||||||||||||||||||||
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Bankers : |
Union Bank of India, Moti Bagh Branch, New Delhi – 110066, India |
||||||||||||||||||||||||||||||
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|
||||||||||||||||||||||||||||||
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Facilities : |
Notes: Terms of Repayment and Security ICICI Bank: Repayable in 47 monthly instalments of Rs. 12533/- begin
from 05.09.2008 to 05.07.2012 Secured by Motor Car (i)
The Company has not defaulted in repayment of
loans and interest. Terms of repayment and security Union bank of India : Working Capital limit secured by a)1st charge on
Stock and Trade receivables b) Extension of charge on all the present and
Future fixed assets of the company. (i)
The Company has not defaulted in repayment of
loans and interest.
|
|
Banking
Relations : |
-- |
|
|
|
|
Auditors : |
|
|
Name : |
Rohtash Sharma and Company Chartered Accountants |
|
Address : |
582, Nangla Enclave – 1, Ward – 7, |
|
Mobile No.: |
9899158892,9811950574 |
|
E-Mail : |
|
|
PAN.: |
BCLPS5599A |
CAPITAL STRUCTURE
AS ON 31.03.2012
Authorised Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
30000 |
Equity Shares |
Rs.100/- each |
Rs.3.000 Millions |
|
|
|
|
|
Issued, Subscribed & Paid-up Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
27500 |
Equity Shares |
Rs.100/-
each |
Rs.2.750
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 |
2.750 |
2.750 |
2.750 |
|
|
2] Share Application Money |
0.000 |
0.000 |
0.000 |
|
|
3] Reserves & Surplus |
18.074 |
13.169 |
17.013 |
|
|
4] (Accumulated Losses) |
0.000 |
0.000 |
0.000 |
|
|
NETWORTH |
20.824 |
15.919 |
19.763 |
|
|
LOAN FUNDS |
|
|
|
|
|
1] Secured Loans |
9.027 |
26.571 |
21.167 |
|
|
2] Unsecured Loans |
0.307 |
0.307 |
0.307 |
|
|
TOTAL BORROWING |
9.334 |
26.878 |
21.474 |
|
|
DEFERRED TAX LIABILITIES |
1.014 |
1.075 |
1.099 |
|
|
|
|
|
|
|
|
TOTAL |
31.172 |
43.872 |
42.336 |
|
|
|
|
|
|
|
|
APPLICATION OF FUNDS |
|
|
|
|
|
|
|
|
|
|
|
FIXED ASSETS [Net Block] |
6.392 |
7.121 |
7.838 |
|
|
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 |
15.061
|
26.441
|
25.399 |
|
|
Sundry Debtors |
11.166
|
10.909
|
11.418 |
|
|
Cash & Bank Balances |
6.080
|
2.492
|
3.352 |
|
|
Other Current Assets |
0.000
|
0.000
|
0.000 |
|
|
Loans & Advances |
10.251
|
9.929
|
9.625 |
|
Total
Current Assets |
42.558
|
49.771
|
49.794 |
|
|
Less : CURRENT
LIABILITIES & PROVISIONS |
|
|
|
|
|
|
Sundry Creditors |
9.805
|
10.146
|
8.264 |
|
|
Other Current Liabilities |
6.538
|
2.417
|
6.575 |
|
|
Provisions |
1.435
|
0.457
|
0.457 |
|
Total
Current Liabilities |
17.778
|
13.020
|
15.296 |
|
|
Net Current Assets |
24.780
|
36.751
|
34.498 |
|
|
|
|
|
|
|
|
MISCELLANEOUS EXPENSES |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
31.172 |
43.872 |
42.336 |
|
PROFIT & LOSS
ACCOUNT
|
|
PARTICULARS |
31.03.2012 |
31.03.2011 |
31.03.2010 |
|
|
|
SALES |
|
|
|
|
|
|
|
Sales |
74.388 |
55.087 |
86.309 |
|
|
|
Job Work |
0.000 |
13.069 |
19.682 |
|
|
|
Other Income |
32.416 |
2.841 |
0.476 |
|
|
|
TOTAL (A) |
106.804 |
70.997 |
106.467 |
|
|
|
|
|
|
|
|
Less |
EXPENSES |
|
|
|
|
|
|
|
Manufacturing Expenses |
57.303 |
52.294 |
88.549 |
|
|
|
Increase / Decrease in Stock |
8.545 |
(6.819) |
12.470 |
|
|
|
Employee benefits expense |
2.002 |
3.502 |
0.000 |
|
|
|
Other expenses |
28.675 |
21.013 |
0.000 |
|
|
|
TOTAL (B) |
96.525 |
69.991 |
101.019 |
|
|
|
|
|
|
|
|
Less |
PROFIT/(LOSS)
BEFORE INTEREST, TAX, DEPRECIATION AND AMORTISATION (A-B) (C) |
10.279 |
1.006 |
5.448 |
|
|
|
|
|
|
|
|
|
Less |
FINANCIAL
EXPENSES (D) |
2.609 |
4.175 |
3.611 |
|
|
|
|
|
|
|
|
|
|
PROFIT/(LOSS)
BEFORE TAX, DEPRECIATION AND AMORTISATION (C-D) (E) |
7.670 |
(3.169) |
1.837 |
|
|
|
|
|
|
|
|
|
Less/ Add |
DEPRECIATION/
AMORTISATION (F) |
0.766 |
0.699 |
0.685 |
|
|
|
|
|
|
|
|
|
|
PROFIT/(LOSS) BEFORE
TAX (E-F) (G) |
6.904 |
(3.868) |
1.152 |
|
|
|
|
|
|
|
|
|
Less |
TAX (H) |
1.998 |
(0.024) |
0.378 |
|
|
|
|
|
|
|
|
|
|
PROFIT/(LOSS)
AFTER TAX (G-H) (I) |
4.906 |
(3.844) |
0.774 |
|
KEY RATIOS
|
PARTICULARS |
|
31.03.2012 |
31.03.2011 |
31.03.2010 |
|
PAT / Total Income |
(%) |
4.59
|
(5.41)
|
0.73 |
|
|
|
|
|
|
|
Net Profit Margin (PBT/Sales) |
(%) |
9.28
|
(7.02)
|
1.33 |
|
|
|
|
|
|
|
Return on Total Assets (PBT/Total Assets} |
(%) |
14.10
|
(6.80)
|
2.00 |
|
|
|
|
|
|
|
Return on Investment (ROI) (PBT/Networth) |
|
0.33
|
(0.24)
|
0.06 |
|
|
|
|
|
|
|
Debt Equity Ratio (Debt/Networth) |
|
0.45
|
1.69
|
1.08 |
|
|
|
|
|
|
|
Current Ratio (Current Asset/Current Liability) |
|
2.39
|
3.82
|
3.26 |
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 |
No |
|
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 |
No |
|
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 |
OPERATIONS
During the year company incurred a net profit before tax of
Rs. 6.903 Millions on a gross turnover of Rs. 106.804 Millions in comparison to previous year loss of Rs. 3.868
Millions on gross turnover of Rs. 70.997 Millions
FORM 8
|
Corporate
identity number of the company |
U74899DL1985PTC020330 |
|
Name of the
company |
M K PETRO
PRODUCTS INDIA PRIVATE LIMITED |
|
Address of the
registered office or of the principal place of business in |
180-C, Jeevan Nagar, Email : rca_2479@yahoo.co.in
|
|
This form is for |
Modification of
charge |
|
Type of charge |
|
|
Particular of
charge holder |
Union Bank of Email: nimishdel@gmail.com |
|
Nature of
instrument creating charge |
Bank's Letter
Dated 20.01.2012 |
|
Date of
instrument Creating the charge |
14.12.2012 |
|
Amount secured by
the charge |
Rs.31.900
Millions |
|
Brief of the
principal terms an conditions and extent and operation of the charge |
Rate of Interest Cash Credit
(Hyp.) Limit - Base Rate + 3.00%, presently 13.50% p. a. with monthly rests. LC - Commission
as Usual Terms of
Repayment Payable on
demand. Margin 25 percent. Extent and
Operation of the charge 100 percent. |
|
Short particulars
of the property or asset(s) charged (including complete address and location of
the property) |
Hypothecation of
stocks in trade and Book Debts. Counter Indemnity
and Pledge of Term Deposits. |
|
Particulars of
the present modification |
The amount of
charge over hypothecation of stocks in trade and book debts of the borrower
stands reduced from Rs.40.000 millions to Rs.25.000 millions to secure a cash
credit limit of Rs.25.000 millions with a sub limit for Letter of Credit
Limit of Rs.12.500 millions granted by the bank to the company together with
all interests, costs, charges, expenses etc. Other terms and
conditions remain the same. |
FIXED ASSETS
·
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.54.65 |
|
|
1 |
Rs.82.65 |
|
Euro |
1 |
Rs.71.21 |
INFORMATION DETAILS
|
Information
Gathered by : |
NYN |
|
|
|
|
Report Prepared
by : |
SDA |
SCORE & RATING EXPLANATIONS
|
SCORE FACTORS |
RANGE |
POINTS |
|
HISTORY |
1~10 |
5 |
|
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 |
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 |
YES |
|
--AFFILIATION |
YES/NO |
YES |
|
--LISTED |
YES/NO |
NO |
|
--OTHER MERIT FACTORS |
YES/NO |
YES |
|
DEFAULTER |
|
|
|
--RBI |
YES/NO |
NO |
|
--EPF |
YES/NO |
NO |
|
TOTAL |
|
45 |
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.