Country	India
Company Name	DIVYAM KNITWEARS LIMITED	Principal Name 1	Ms. Renu Jain
Status	Moderate	Principal Name 2	Mr. Satish Jain
		Registration #	05-035958
Street Address	338, Sector – 24, Faridabad – 121005, Haryana, India
Established Date	13.12.2005	SIC Code	--
Telephone#	91-129-4020837	Business Style 1	Manufacturers
Fax #	91-129-4028212 / 402282	Business Style 2	High Quality Equestrian Clothing
Homepage	http://www.divyamknitwears.com	Product Name 1	Fine Riding Apparels.
# of employees	Not Available	Product Name 2	-
Paid up capital	Rs. 12,024,600/-	Product Name 3	-
Shareholders	Bodies corporate - 11.35% Directors or relatives of Directors – 88.65%	Banking	State Bank of India
Public Limited Corp.	No	Business Period	8 Years
IPO	No	International Ins.	-
Public Enterprise	No	Rating	B (28)
Related Company
Relation	Country	Company Name	CEO
--	----	--	--
Note	-

2. Summary Financial Statement

Balance Sheet as of	31.03.2012		(Unit: Indian Rs.)
Assets		Liabilities
Current Assets	21,042,000	Current Liabilities	7,401,000
Inventories	6,233,000	Long-term Liabilities	1,382,000
Fixed Assets	2,804,000	Other Liabilities	1,703,000
Deferred Assets	148,000	Total Liabilities	10,486,000
Invest& other Assets	0,000	Retained Earnings	5,916,000
		Net Worth	19,741,000
Total Assets	30,227,000	Total Liab. & Equity	30,227,000
Total Assets (Previous Year)	22,931,000
P/L Statement as of	31.03.2012		(Unit: Indian Rs.)
Sales	59,423,000	Net Profit	3,121,000
Sales(Previous yr)	29,888,000	Net Profit(Prev.yr)	43,000

MIRA INFORM REPORT

Report Date :

28.03.2013

IDENTIFICATION DETAILS

Name :	DIVYAM KNITWEARS LIMITED
Registered Office :	338, Sector - 24, Faridabad - 121005, Haryana
Country :	India
Financials (as on) :	31.03.2012
Date of Incorporation :	13.12.2005
Com. Reg. No.:	05-035958
Capital Investment / Paid-up Capital :	Rs. 12.025 Millions
CIN No.: [Company Identification No.]	U74899HR2005PLC035958
TAN No.: [Tax Deduction & Collection Account No.]	RTKD03434E
Legal Form :	A Closely Held Public Limited Liability Company
Line of Business :	Manufacturers of High Quality Equestrian Clothing and Fine Riding Apparels.
No. of Employees :	Not Available

RATING & COMMENTS

MIRA’s Rating :

B (28)

RATING		STATUS	PROPOSED CREDIT LINE
26-40	B	Capability to overcome financial difficulties seems comparatively below average.	Small

Maximum Credit Limit :	USD 78000
Status :	Moderate
Payment Behaviour :	Slow
Litigation :	Clear
Comments :	Subject is an established company having a moderate track record. Reserves of the company appears to be low. However, trade relations are reported as fair. Business is active. Payments are reported to be slow. The company can be considered for business dealings with some cautions.

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 :	338, Sector – 24, Faridabad – 121005, Haryana, India
Tel. No.:	91-129-4020837
Mobile No.:	91-9811107772 (Mr. Satish Jain)
Fax No.:	91-129-4028212 / 402282
E-Mail :	srinivasan@divyamknitwears.com info@divyamknitwears.com savita_trehan@yahoo.com ankush@divyamknitwears.com s.jain@divyamkniwears.com
Website :	http://www.divyamknitwears.com
Location :	Rented
Overseas Office :	28 Wheatsheaf Close, Docklands, London – E14 9UU (U.K.)
Tel. No.:	447956838009

DIRECTORS

As on 29.09.2012

Name :

Ms. Renu Jain

Designation :

Director

Address :

House No. 1443, Sector 14, Faridabad – 121007, Haryana, India

Date of Birth/Age :

05.08.1975

Date of Appointment :

13.12.2005

DIN No.:

00059319

 Other Directorship :

S.No.	CIN	Name of the Company	Current designation of the director	Date of appointment at current designation	Original date of appointment	Date of cessation	Company Status	Defaulting status
1	U74899HR1995PLC038416	SHINE GUARD (INDIA) LIMITED	Director	3/9/2001	3/9/2001	-	Active	NO
2	U29120HR1991PLC031407	SARVO TECHNOLOGIES LIMITED	Director	1/7/2003	1/7/2003	-	Active	NO
3	U74899HR2005PLC035958	DIVYAM KNITWEARS LIMITED	Director	13/12/2005	13/12/2005	-	Active	NO

Name :

Mr. Satish Jain

Designation :

Director

Address :

House No. 1443, Sector 14, Faridabad – 121007, Haryana, India

Date of Birth/Age :

05.06.1972

Date of Appointment :

13.12.2005

DIN No.:

00110033

 Other Directorship :

S.No.	CIN	Name of the Company	Current designation of the director	Date of appointment at current designation	Original date of appointment	Date of cessation	Company Status	Defaulting status
1	U74899HR1995PLC038416	SHINE GUARD (INDIA) LIMITED	Whole-time director	27/08/2007	24/03/1998	-	Active	NO
2	U29120HR1991PLC031407	SARVO TECHNOLOGIES LIMITED	Managing director	27/08/2007	2/4/2001	-	Active	NO
3	U74899HR2005PLC035958	DIVYAM KNITWEARS LIMITED	Director	13/12/2005	13/12/2005	-	Active	NO
4	U34300HR2006PLC036369	INDO AUTOTECH LIMITED	Director	15/09/2006	15/09/2006	-	Active	NO
5	U35999HR2010PLC040313	ELAN AUTO INDIA LIMITED	Director	30/03/2010	30/03/2010	-	Active	NO

Name :

Mr. Sajan Kumar Jain

Designation :

Director

Address :

House No. 1443, Sector 14, Faridabad, – 121007 Haryana, India

Date of Birth/Age :

13.03.1948

Date of Appointment :

13.12.2005

DIN No.:

00061401

Other Directorship :

S.No.	CIN	Name of the Company	Current designation of the director	Date of appointment at current designation	Original date of appointment	Date of cessation	Company Status	Defaulting status
1	U74999HR1989PTC030515	MICRONICS INSTRUMENTS PRIVATE LIMITED	Director	27/03/1989	27/03/1989	-	Active	NO
2	U34300HR1993PTC031897	TECHNO SPRINGS INDIA PRIVATE LIMITED	Director	18/01/1993	18/01/1993	-	Active	NO
3	U74899HR1995PLC038416	SHINE GUARD (INDIA) LIMITED	Director	3/4/1995	3/4/1995	-	Active	NO
4	U18204DL1983PTC185012	A. E. FASHIONS PRIVATE LIMITED	Director	1/1/1996	1/1/1996	21/09/2007	Active	NO
5	U74999HR1988PTC030385	SCIENTIFIC KNITS PROCESSORS PRIVATE LIMITED	Director	25/01/1999	25/01/1999	22/12/2006	Active	NO
6	U29120HR1991PLC031407	SARVO TECHNOLOGIES LIMITED	Director	1/4/2002	1/4/2002	-	Active	NO
7	U45201DL2005PTC135974	ANANDA PROJECTS PRIVATE LIMITED	Director	7/11/2005	7/11/2005	-	Active	NO
8	U74899HR2005PLC035958	DIVYAM KNITWEARS LIMITED	Director	13/12/2005	13/12/2005	-	Active	NO
9	U34300HR2006PLC036369	INDO AUTOTECH LIMITED	Whole-time director	1/5/2007	15/09/2006	-	Active	NO
10	U52190DL2001PLC110580	MAGPPIE INTERNATIONAL LIMITED	Director	29/09/2007	2/4/2007	-	Active	NO
11	U70109HP2010PTC031312	ANANDA VEDIC PROJECTS PRIVATE LIMITED	Director	15/04/2010	15/04/2010	-	Active	NO
12	U70109HP2010PTC031313	MANON VEDIC VALLEY PROJECTS PRIVATE LIMITED	Director	15/04/2010	15/04/2010	-	Active	NO
13	U70109HP2011PTC031533	KHAJRETH HILLS PROJECT PRIVATE LIMITED	Director	12/1/2011	12/1/2011	-	Active	NO
14	U70109HP2011PTC031545	DHARAMPUR VEDIC VALLEY PROJECT PRIVATE LIMITED	Director	19/01/2011	19/01/2011	-	Active	NO
15	U70109HP2011PTC031548	JANGESHU HILLS SIDE PROJECT PRIVATE LIMITED	Director	21/01/2011	21/01/2011	-	Active	NO
16	U70109HP2011PTC031557	MASHOBRA HILLS SIDE PROJECTS PRIVATE LIMITED	Director	7/2/2011	7/2/2011	-	Active	NO
17	U34300HR1993PTC031927	ADMACH AUTO INDUSTRIES INDIA PVT LTD	Director	11/4/2011	11/4/2011	-	Active	NO
18	U70109HP2011PTC031643	SANAWAR HILLS PROJECTS PRIVATE LIMITED	Director	13/05/2011	13/05/2011	-	Active	NO

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

As on 29.09.2012

Names of Shareholders	No. of Shares
Sajan Kumar Jain	301000
Anand Kumar Jain	15000
Satish Jain	500000
Trishla Jain	5000
Babita Jain	5000
Nisha Jain	5000
Renu Jain	210000
Divyam Jain	25000
Deo Jewellers Limited, (India)	50000
Brij Packing Limited, (India)	50000
Archit Fincap Limited, (India)	14000
Juneja Nagpal Construction private Limited (India)	22460
Total	1202460

As on 11.03.2013

Names of Shareholders	No. of Shares
Shineguard India, India	95000
Renu Jain	55000
Satish Jain	50000
Total	200000

As on 29.09.2012

Equity Share Break up (Percentage of Total Equity)

Category	Percentage
Bodies corporate	11.35
Directors or relatives of Directors	88.65
Total	100.00

BUSINESS DETAILS

Line of Business :

Manufacturers of High Quality Equestrian Clothing and Fine Riding Apparels.

GENERAL INFORMATION

No. of Employees :

(Approximately)

Bankers :

• State Bank of India, SIB Branch, 65, Neelam Bata Road, Faridabad-121001, Haryana, India
• ICICI Bank Limited
• Punjab National Bank

Facilities :

(Rs. In Millions)

Secured Loan	As on 31.03.2011
S.B.I. under E. P.C. Limit (against Hypothecation of stock and Debtors)	3.642
ICICI Bank Limited (against Hypothecation of Car)	0.000
Total	3.642

Banking Relations :	--
Auditors :
Name :	Sudhir Chaudhary and Associates Chartered Accountants
Address :	205, Om Shubham Tower, Neelam Bata Road, Faridabad – 121 002, Haryana, India
Tel. No.:	91-129-4004129 / 4038429
Fax No.:	91-129-4004428
E-Mail :	Scaff8@airtelmail.in
PAN No.:	ABCFS6938E

CAPITAL STRUCTURE

After 29.09.2012

Authorised Capital :

No. of Shares	Type	Value	Amount
2000000	Equity Share	Rs.10/- Each	Rs.20.000 Millions

Issued, Subscribed & Paid-up Capital :

No. of Shares	Type	Value	Amount
1402460	Equity Shares	Rs.10/- each	Rs.14.025 Millions

As on 31.03.2012

Authorised Capital :

No. of Shares	Type	Value	Amount
2000000	Equity Share	Rs.10/- Each	Rs.20.000 Millions

Issued, Subscribed & Paid-up Capital :

No. of Shares	Type	Value	Amount
1202460	Equity Shares	Rs.10/- each	Rs.12.025 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		12.025	12.024	10.725
2] Share Application Money		1.800	0.000	0.000
3] Reserves & Surplus		5.916	2.795	2.752
4] (Accumulated Losses)		0.000	0.000	0.000
NETWORTH		19.741	14.819	13.477
LOAN FUNDS
1] Secured Loans		1.382	3.642	3.368
2] Unsecured Loans			0.000	0.000
TOTAL BORROWING		1.382	3.642	3.368
DEFERRED TAX LIABILITIES		0.000	0.000	0.000
TOTAL		21.123	18.461	16.845
APPLICATION OF FUNDS
FIXED ASSETS [Net Block]		2.804	3.171	3.306
Capital work-in-progress		0.000	0.000	0.000
INVESTMENT		0.000	1.823	1.823
DEFERREX TAX ASSETS		0.148	0.116	0.141
CURRENT ASSETS, LOANS & ADVANCES
	Inventories	6.233	10.605	4.968
	Sundry Debtors	11.686	4.268	6.884
	Cash & Bank Balances	3.053	2.273	1.484
	Other Current Assets	1.823	0.000	0.000
	Loans & Advances	4.480	0.675	0.754
Total Current Assets		27.275	17.821	14.090
Less : CURRENT LIABILITIES & PROVISIONS
	Sundry Creditors	6.535	3.983	1.319
	Other Current Liabilities	0.866	0.381	1.219
	Provisions	1.703	0.106	0.024
Total Current Liabilities		9.104	4.470	2.562
Net Current Assets		18.171	13.351	11.528
MISCELLANEOUS EXPENSES		0.000	0.000	0.047
TOTAL		21.123	18.461	16.845

PROFIT & LOSS ACCOUNT

	PARTICULARS		31.03.2012	31.03.2011	31.03.2010
	SALES
		Income	57.498	29.252	24.580
		Other Income	1.925	0.636	0.381
		TOTAL (A)	59.423	29.888	24.961
Less	EXPENSES
		Manufacturing Expenses	--	24.713	19.570
		Cost of materials consumed	36.198
		Administrative Expenses	--	5.306	4.364
		Increase (Decrease) In stock	1.560	(1.213)	0.238
		Personnel expenses	3.827	--	--
		Other Expenses	12.016	--	--
		Preliminary Expenses	--	0.047	0.047
		TOTAL (B)	53.601	28.853	24.219
Less	PROFIT / (LOSS) BEFORE INTEREST, TAX, DEPRECIATION AND AMORTISATION (A-B) (C)		5.822	1.035	0.742
Less	FINANCIAL EXPENSES (D)		0.594	0.294	0.171
	PROFIT / (LOSS) BEFORE TAX, DEPRECIATION AND AMORTISATION (C-D) (E)		5.228	0.741	0.571
Less/ Add	DEPRECIATION/ AMORTISATION (F)		0.511	0.566	0.583
	PROFIT / (LOSS) BEFORE TAX (E-F) (G)		4.717	0.175	(0.012)
Less	TAX (H)		1.596	0.132	0.039
	PROFIT / (LOSS) AFTER TAX (G-H) (I)		3.121	0.043	(0.051)
Add	PREVIOUS YEARS’ BALANCE BROUGHT FORWARD		1.337	1.294	1.345
	BALANCE CARRIED TO THE B/S		4.458	1.337	1.294
	TOTAL EARNINGS		NA	19.992	27.306
	Earnings / (Loss) Per Share (Rs.)		2.60	0.04	NA

KEY RATIOS

PARTICULARS		31.03.2012	31.03.2011	31.03.2010
PAT / Total Income	(%)	5.25	0.14	(0.20)
Net Profit Margin (PBT/Sales)	(%)	8.20	0.59	(0.05)
Return on Total Assets (PBT/Total Assets}	(%)	15.68	0.83	(0.07)
Return on Investment (ROI) (PBT/Networth)		0.24	0.01	0.00
Debt Equity Ratio (Total Debt /Networth)		0.07	0.25	0.25
Current Ratio (Current Asset/Current Liability)		3.00	3.99	5.50

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)	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

FUTURE PROSPECTS

The Directors are optimistic and are making their utmost efforts to achieve the high targets.

FIXED ASSETS

• Furniture Fixture
• Computer and software
• Two Wheelers
• Plant and Machinery
• Electrical Equipment
• Car
• Trade Mark

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 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.54.27
UK Pound	1	Rs.82.49
Euro	1	Rs.69.88

INFORMATION DETAILS

Report Prepared by :

NTH

SCORE & RATING EXPLANATIONS

SCORE FACTORS	RANGE	POINTS
HISTORY	1~10	4
PAID-UP CAPITAL	1~10	3
OPERATING SCALE	1~10	3
FINANCIAL CONDITION
--BUSINESS SCALE	1~10	3
--PROFITABILIRY	1~10	3
--LIQUIDITY	1~10	3
--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
--RBI	YES/NO	NO
--EPF	YES/NO	NO
TOTAL		28

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	-

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This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.