MIRA INFORM REPORT

Report Date :

30.10.2013

IDENTIFICATION DETAILS

Name :	DRILLCON INFRASTRUCTURE PRIVATE LIMITED
Registered Office :	11, Pollock Street, 5^th Floor, Kolkata – 700001, West Bengal
Country :	India
Financials (as on) :	31.03.2012
Date of Incorporation :	14.02.2008
Com. Reg. No.:	122601
Capital Investment / Paid-up Capital :	Rs.30.000 Millions
CIN No.: [Company Identification No.]	U45400WB2008PTC122601
TAN No.: [Tax Deduction & Collection Account No.]	CALD06295C
PAN No.: [Permanent Account No.]	AACCD8128M
Legal Form :	Private Limited Liability Company
Line of Business :	Civil work for hydro power project.
No. of Employees :	100 (Approximately)

RATING & COMMENTS

MIRA’s Rating :

B (26)

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

Maximum Credit Limit :	USD 240000
Status :	Moderate
Payment Behaviour :	Slow but correct
Litigation :	Clear
Comments :	Subject is an established company having a moderate track record. Reserves of the company appears to be low. However, the company has achieved growth in sales turnover and profit during the financial year 2012. Trade relations are fair. Business is active. Payment terms are slow but correct. The company can be considered for business dealing 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 – March 31^st, 2013

Country Name	Previous Rating (31.12.2012)	Current Rating (31.03.2013)
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’s current account deficit or CAD in April-June widened to 4.9 % of gross domestic product. High imports of gold and oil led to a worsening of the trade deficit, resulting in CAD jumping to $ 21.8 billion to the latest quarter from $ 16.9 billion in the corresponding quarter of the previous financial year. The government aims to bring down CAD to 3.7 % or $ 70 billion, in 2013/14, from 4.8 % or $ 88.2 billion in 2012/13.

The finance ministry has started preparations for Budget 2014/15. With general elections scheduled to be held by May next year, there will only be an interim budget. The new government will present the fiscal Budget.

The Supreme Court has barred clinical trials for new drugs till a monitoring mechanism is put in place to protect the lives of people on which the drugs are tested.

Mumbai has been named the world’s second most honest city according to a survey on 15 cities worldwide by Readers’ Digest magazine. Finnish capital Helsinki bagged the top spot for the world’s most honest city while Lisbon, the capital of Portugal, proved to be the least honest.  The survey put hundreds of people to test in four continents to find out just how honest they were by dropping wallets and seeing how many would be returned.

3.7 % Growth of the core sector in August, a seven month high. This takes the overall growth in April-August this year to 2.3 % compared with 6.3 % in the corresponding period next financial year.

$19 million Estimated average spending by companies across the globe including India, on social media this year, according to a global study by information technology major Tata Consultancy Services. This will rise to $ 24 million in 2015.

Rising inflation, fewer employment avenues and dwindling earnings are taking a toll on the spending capacity in India. Over 72 % respondents from middle and lower middle income families would be forced to slash their Diwali expenditure by 40 % and on average spend nearly 25 % of their monthly salary on Diwali, according to a survey by Assochem.

Analysts believe the shutdown of the US government would have limited impact in sectors such as IT or tourism that are dependent on Visa clearances.

EXTERNAL AGENCY RATING

Rating Agency Name	CRISIL
Rating	Long term rating: BB-
Rating Explanation	Moderate risk of default and high credit risk.
Date	29 September 2012

Rating Agency Name	CRISIL
Rating	Short term rating: A4+
Rating Explanation	Minimal degree of safety and very high credit risk.
Date	29 September 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

Name :	Mr. Satish
Designation :	Account Department
Contact No.:	91-40-40250029
Date :	29.10.2013

LOCATIONS

Registered Office :	11, Pollock Street, 5^th Floor, Kolkata – 700001, West Bengal, India
Tel. No.:	91-40-65158951
Fax No.:	91-40-27530364
E-Mail :	cvnath123@yahoo.com admin@drillconinfrastructure.com drillcon@rediffmail.com info@drillconinfrastructure.com
Website :	www.drillconinfracture.com
Location :	Owned
Head Office / Corporate Office:	Flat no 3-C, Ragini Residency, Near Chirec Public School, Kondapur, Hyderabad, Andhra Pradesh, India
Fax No.:	91-40-40250029

DIRECTORS

As on 29.09.2012

Name :

Mr. Amit Chakravorty

Designation :

Director

Address :

11, Pollock Street, 3^rd Floor, Kolkata – 700001, West Bengal, India

Date of Birth/Age :

28.04.1968

Date of Appointment :

14.02.2008

DIN No.:

01234140

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	U65993AP1991PTC012157	KHETAWAT HOLDINGS PRIVATE LIMITED	Director	01/01/2008	01/01/2008	-	Active	NO
2	U45400WB2008PTC122601	DRILLCON INFRASTRUCTURE PRIVATE LIMITED	Director	14/02/2008	14/02/2008	-	Active	NO
3	U40103AP2009PTC065957	DRILLCON GREEN POWER PRIVATE LIMITED	Director	26/11/2009	26/11/2009	-	Active	NO

Name :

Mr. Satyajit Kumar Chakravorty

Designation :

Director

Address :

11, Pollock Street, Kolkata – 700001, West Bengal, India

Date of Birth/Age :

15.03.1939

Date of Appointment :

14.02.2008

DIN No.:

01234167

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	U65993AP1991PTC012157	KHETAWAT HOLDINGS PRIVATE LIMITED	Director	01/01/2008	01/01/2008	-	Active	NO
2	U45400WB2008PTC122601	DRILLCON INFRASTRUCTURE PRIVATE LIMITED	Director	14/02/2008	14/02/2008	-	Active	NO
3	U40103AP2009PTC065957	DRILLCON GREEN POWER PRIVATE LIMITED	Director	26/11/2009	26/11/2009	-	Active	NO

KEY EXECUTIVES

Name :	Mr. Satish
Designation :	Account Department

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

As on 29.09.2012

Names of Shareholders	No. of Shares
Satyajit Kumar Chakravorty	1375000
Amit Chakravorty	1127000
Reeti Chakravorty	125000
Ratna Chakravorty	190000
Cheruvu Neeraja	1000
Cheruvu Aruna	1000
Cheruvu Tirupati Sastry	1000
Atul Saxena	100000
K.M.Viswanathan	20000
Murali Nair	20000
Pilaka Satish Kumar	20000
Muneem Khan	20000
Total	3000000

As on 27.03.2013

Names of Allottees	No. of Shares
SK Chakavorty	50000
Amit Chakravorty	100000
Reeti Chakravorty	80000
Ratna Chakravorty	120000
Amit Chakravorty (HUF)	100000
Gaurav Kapoor	100000
SK Chakavorty (HUF)	100000
K.M. Viswanathan	50000
Murali Nair	50000
Pilaka satish Kumar	50000
C. Saraswathi	50000
D. Savitri	50000
K. Mahesh	50000
K. V.Subhash	50000
Total	1000000

Equity Share Break up (Percentage of Total Equity)

As on 29.09.2012

Category	Percentage
Directors or relatives of Directors	94.00
Other	6.00
Total	100.00

BUSINESS DETAILS

Line of Business :	Civil work for hydro power project.
Imports :
Products :	Machinery
Countries :	Germany
Terms :
Selling :	Cash and Credit
Purchasing :	Cash and Credit, Depend

GENERAL INFORMATION

No. of Employees :

100 (Approximately)

Bankers :

State Bank of India, Commercial Branch, Ashoka My Home Chambers, Secunderabad - 500016, Andhra Pradesh, India

Facilities :

Secured Loan	31.03.2012 (Rs. in Millions)	31.03.2011 (Rs. in Millions)
Long-term Borrowings
Term loan form SBI	11.627	7.800
Term loan TATA capital	3.592	0.000
Term loan from Mahindra finance	0.542	0.000
Vehicle and equipment loans	2.772	3.534
Short-term borrowings
SBI Cash Credit (SBI OCC loans are secured against hypothecation of inventory and further secured by personal guarantee of director)	17.643	15.621
Total	36.176	26.955

Banking Relations :	--
Auditors :
Name :	Cheruvu and Associates Chartered Accountants
Address :	1-3-176/4/c/15, Gandhi Nagar, Hyderabad – 500080, Andhra Pradesh, India
Tel. No.:	91-40-65158951
Mobile No.:	91-9849007333
Fax No.:	91-40-27610023
E-Mail :	cheruvuandassocisates@yahoo.co.in
PAN N Income-tax PAN of auditor or auditor's firm :	AACFC6153E

CAPITAL STRUCTURE

As on 29.09.2012

Authorised Capital :

No. of Shares	Type	Value	Amount
4000000	Equity Shares	Rs.10/- each	Rs. 40.000 Millions

Issued, Subscribed & Paid-up Capital :

No. of Shares	Type	Value	Amount
4000000	Equity Shares	Rs.10/- each	Rs. 40.000 Millions

As on 31.03.2012

Authorised Capital :

No. of Shares	Type	Value	Amount
3000000	Equity Shares	Rs.10/- each	Rs. 30.000 Millions

Issued, Subscribed & Paid-up Capital :

No. of Shares	Type	Value	Amount
3000000	Equity Shares	Rs.10/- each	Rs. 30.000 Millions

FINANCIAL DATA

[all figures are in Rupees Millions]

ABRIDGED BALANCE SHEET

SOURCES OF FUNDS	31.03.2012	31.03.2011
I. EQUITY AND LIABILITIES
(1)Shareholders' Funds
(a) Share Capital	30.000	30.000
(b) Reserves & Surplus	28.778	15.444
(c) Money received against share warrants	0.000	0.000
(2) Share Application money pending allotment	0.000	0.000
Total Shareholders’ Funds (1) + (2)	58.778	45.444
(3) Non-Current Liabilities
(a) long-term borrowings	20.953	13.808
(b) Deferred tax liabilities (Net)	4.506	2.829
(c) Other long term liabilities	0.000	0.000
(d) long-term provisions	0.000	0.000
Total Non-current Liabilities (3)	25.459	16.637
(4) Current Liabilities
(a) Short term borrowings	17.643	15.621
(b) Trade payables	76.607	12.407
(c) Other current liabilities	7.479	0.756
(d) Short-term provisions	0.000	0.000
Total Current Liabilities (4)	101.729	28.784
TOTAL	185.966	90.865
II. ASSETS
(1) Non-current assets
(a) Fixed Assets
(i) Tangible assets	68.022	34.010
(ii) Intangible Assets	0.000	0.000
(iii) Capital work-in-progress	0.000	0.000
(iv) Intangible assets under development	0.000	0.000
(b) Non-current Investments	0.000	0.000
(c) Deferred tax assets (net)	0.000	0.000
(d) Long-term Loan and Advances	0.000	0.000
(e) Other Non-current assets	0.000	0.000
Total Non-Current Assets	68.022	34.010
(2) Current assets
(a) Current investments	0.000	0.000
(b) Inventories	15.827	14.629
(c) Trade receivables	74.882	23.348
(d) Cash and cash equivalents	1.287	4.424
(e) Short-term loans and advances	25.948	14.454
(f) Other current assets	0.000	0.000
Total Current Assets	117.944	56.855
TOTAL	185.966	90.865

SOURCES OF FUNDS		31.03.2013
SHAREHOLDERS FUNDS
1] Share Capital		20.000
2] Share Application Money		0.000
3] Reserves & Surplus		7.994
4] (Accumulated Losses)		0.000
NETWORTH		27.994
LOAN FUNDS
1] Secured Loans		34.495
2] Unsecured Loans		1.798
TOTAL BORROWING		36.293
DEFERRED TAX LIABILITIES		1.720
TOTAL		66.007
APPLICATION OF FUNDS
FIXED ASSETS [Net Block]		62.494
Capital work-in-progress		0.000
INVESTMENT		0.000
DEFERREX TAX ASSETS		0.000
CURRENT ASSETS, LOANS & ADVANCES
	Inventories	8.473
	Sundry Debtors	12.828
	Cash & Bank Balances	3.110
	Other Current Assets	0.000
	Loans & Advances	32.618
Total Current Assets		57.029
Less : CURRENT LIABILITIES & PROVISIONS
	Sundry Creditors
	Other Current Liabilities	53.516
	Provisions
Total Current Liabilities		53.516
Net Current Assets		3.513
MISCELLANEOUS EXPENSES		0.000
TOTAL		66.007

PROFIT & LOSS ACCOUNT

	PARTICULARS		31.03.2012	31.03.2011
	SALES
		Turnover	248.000	124.5000
		Other Income	NA	NA
		TOTAL	NA	NA
Less	EXPENSES
		Office Expenses	NA	NA
		Administrative Expenses	NA	NA
		Advertising Expenses	NA	NA
		TOTAL	NA	NA
	PROFIT BEFORE TAX		NA	NA
Less	TAX		NA	NA
	PROFIT AFTER TAX		NA	NA

Particulars	31.3.2013
Sales Turnover (Approximately)	453.600

The above information has been parted by Mr. Satish (Account Department)

KEY RATIOS

PARTICULARS	31.03.2012	31.03.2011	31.03.2010
Debt Equity Ratio (Total Debt /Networth)	0.66	0.65	1.30
Current Ratio (Current Asset/Current Liability)	1.16	1.98	1.07

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	Yes
12]	Profitability for last two 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	Yes

BUSINESS ACTIVITY

During the year, the company business was established and the company was able undertake tunneling work very efficiently. The company closed its books with a turnover of Rs.248.000 Millions (Previous year Rs.124.500 Millions). The accounting year 12-13 is more promising for the company as it has proved that it is technically qualified to undertaken the tunneling works in comparison with the competitors. The company is only undertaken the main job of sneha kinetic and Haridwar Infra power line jobs. Other jobs also trickling in but not much. Once the main works are completed in the existing jobs, men and material would be eased, making it easier for the company to undertaken more jobs.

UNSECURED LOAN

PARTICULARS	31.03.2012 (Rs. in Millions)	31.03.2011 (Rs. in Millions)
Long-term Borrowings
Loans from directors	2.420	2.474
Total	2.420	2.474

INDEX OF CHARGES

S.NO.	CHARGE ID	DATE OF CHARGE CREATION/MODIFICATION	CHARGE AMOUNT SECURED	CHARGE HOLDER	ADDRESS	SERVICE REQUEST NUMBER (SRN)
1	10456272	23/10/2013	3,488,400.00	RELIANCE CAPITAL LIMITED	"H" BLOCK 1ST FLOOR, DHIRUBHAI AMBANI KNOWLEDGE CITY, KOPARKHAIRNE, NAVI MUMBAI, MAHARASHTRA - 400710, INDIA	B88039169
2	10412314	13/03/2013	4,040,000.00	KOTAK MAHINDRA BANK LIMITED	36-38A, NARIMAN BHAVAN, 227,D, NARIMAN POINT, M UMBAI, MAHARASHTRA - 400021, INDIA	B70956453
3	10402686	31/01/2013	2,888,000.00	RELIANCE CAPITAL LIMITED	"H" BLOCK 1ST FLOOR, DHIRUBHAI AMBANI KNOWLEDGE CITY, KOPARKHAIRNE, NAVI MUMBAI, MAHARASHTRA - 400710, INDIA	B67967356
4	10386222	03/11/2012	1,960,000.00	KOTAK MAHINDRA BANK LIMITED	36-38A, NARIMAN BHAVAN, 227,D, NARIMAN POINT, M UMBAI, MAHARASHTRA - 400021, INDIA	B62004296
5	10371307	24/07/2012	10,624,700.00	TATA CAPITAL FINANCIAL SERVICES LIMITED	ONE FORBES, DR. V. B. GANDHI MARG, FORT, MUMBAI, MAHARASHTRA - 400001, INDIA	B55945448
6	10370527	30/06/2012	1,508,800.00	TATA CAPITAL FINANCIAL SERVICES LIMITED	ONE FORBES, DR. V. B. GANDHI MARG, FORT, MUMBAI, MAHARASHTRA - 400001, INDIA	B45664323
7	10351597	06/03/2012	3,562,500.00	TATA CAPITAL FINANCIAL SERVICES LIMITED	ONE FORBES, DR. V. B. GANDHI MARG, FORT, MUMBAI, MAHARASHTRA - 400001, INDIA	B38171039
8	10203321	15/02/2013 *	97,100,000.00	STATE BANK OF INDIA	COMMERCIAL BRANCH, ASHOKA MY HOME CHAMBERS, SECUNDERABAD, ANDHRA PRADESH - 500016, INDIA	B71068910

NOTE: * Date of charge modification

FIXED ASSETS

· Computers and Printers

· Furniture and Fixtures

· Office Equipments

· Building / Civil Works

· Vehicle

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.61.46
UK Pound	1	Rs.98.99
Euro	1	Rs.84.72

INFORMATION DETAILS

Information Gathered by :	PDT
Report Prepared by :	KVT

SCORE & RATING EXPLANATIONS

SCORE FACTORS	RANGE	POINTS
HISTORY	1~10	3
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	2
--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
DEFAULTER
--RBI	YES/NO	NO
--EPF	YES/NO	NO
TOTAL		26

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	--

PRIVATE & CONFIDENTIAL : This information is provided to you at your request, you having employed MIPL for such purpose. You will use the information as aid only in determining the propriety of giving credit and generally as an aid to your business and for no other purpose. You will hold the information in strict confidence, and shall not reveal it or make it known to the subject persons, firms or corporations or to any other. MIPL does not warrant the correctness of the information as you hold it free of any liability whatsoever. You will be liable to and indemnify MIPL for any loss, damage or expense, occasioned by your breach or non observance of any one, or more of these conditions

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