MIRA INFORM REPORT

Report Date :

11.12.2014

IDENTIFICATION DETAILS

Name :	SRI VARSHA FOOD PRODUCTS INDIA LIMITED
Registered Office :	D.NO. 19-3-13/9, 4^thFloor, Tirupathi -517501, Andhra Pradesh
Country :	India
Financials (as on) :	31.03.2013
Date of Incorporation :	03.11.2008
Com. Reg. No.:	061664
Capital Investment/ Paid-up Capital:	Rs.67.416 Millions
CIN No.: [Company Identification No.]	U15132AP2008PLC061664
TAN No.: [Tax Deduction & Collection Account No.]	Not Available
PAN No.: [Permanent Account No.]	Not Available
Legal Form :	A Closely Held Public Limited Liability Company
Line of Business :	Manufacturer and Exporters of Fruit Pulps.
No. of Employees:	72 (Approximately)

RATING & COMMENTS

MIRA’s Rating :

Ba (46)

RATING		STATUS	PROPOSED CREDIT LINE
41-55	Ba	Overall operation is considered normal. Capable to meet normal commitments.	Satisfactory

Status :	Satisfactory
Payment Behaviour :	Usually correct
Litigation :	Clear
Comments :	Subject is an established company having satisfactory track. Rating reflects sound financial risk profile marked by improvement in performance of the company and decent liquidity position of the company. Trade relations are reported to be fair. Business is active Payment terms are reported to be usually correct. The company can be considered for 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 – September 30, 2014

Country Name	Previous Rating (30.06.2014)	Current Rating (30.09.2014)
India	A1	A1

Risk Category	ECGC Classification
Insignificant	A1
Low	A2
Moderate	B1
High	B2
Very High	C1
Restricted	C2
Off-credit	D

EXTERNAL AGENCY RATING

Rating Agency Name	Not Available
Rating	Not Available
Rating Explanation	Not Available
Date	Not Available

RBI DEFAILTERS’ LIST STATUS

Subject’s name is not enlisted as a defaulter in the publicly available RBI Defaulters’ list.

EPF (Employee Provident Fund) DEFAILTERS’ LIST STATUS

Subject’s name is not enlisted as a defaulter in the publicly available EPF (Employee Provident Fund) Defaulters’ list as of 31-03-2014.

INFORMATION PARTED BY (GENERAL DETAIKLS)

Name :	Mr. Ratna Kumar
Designation :	Account Department
Contact No.:	91-7680900963
Date :	11.12.2014

LOCATIONS

Registered Office :	D.NO. 19-3-13/9, 4^thFloor, Tirupathi- -517501, Andhra Pradesh, India
Tel. No.:	91-877-2100304
Mobile No.:	91-7680900963 (Mr. Ratna Kumar)
Fax No.:	Not Available
E-Mail :	srivasha99@gamil.com sarma_19592004@yahoo.co.in madangopalfca@yahoo.co.in v4u.compliance@gmail.com
Website :	http://www.srivarsha.com
Factory :	S.N. Puarm Village, Puttur Road, Renigunta, Chittor District – 517520, Andhra Pradesh, India
Tel. No.:	91-877-2100304,2101305
Area :	umapathi4S@gmail.com srivarsha99@gmail.com
Head Office :	D.NO. 19-3-13/9, 4^thFloor, Ramanuja Circle, Tiruchanoor Road, Tirupathi -517501, Andhra Pradesh, India

DIRECTORS

AS ON 28.09.2012

Name :

Kasturi Viswanadha Naidu

Designation :

Director

Address :

5-325/1, Gayathri Nagar, Tirupathi – 517501, Andhra Pradesh, India

Date of Birth/Age :

06.01.1955

Date of Appointment :

03.11.2008

DIN No.:

01134617

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	U93090TN1960PTC004178	SURCOT INDUSTRIES PRIVATE LIMITED	Managing director	30/01/2003	30/01/2003	-	Active	NO
2	U45200TG1996PTC023406	VARSHA VISWANATH PROPERTIES PRIVATE LIMITED	Director	01/04/2005	01/04/2005	09/08/2014	Active	NO
3	U15132AP2008PLC061664	SRI VARSHA FOOD PRODUCTS INDIA LIMITED	Director	03/11/2008	03/11/2008	-	Active	NO
4	U15400AP2012PLC078665	SREE VISWAAS AGRO BIOTECH INDIA LIMITED	Director	19/01/2012	19/01/2012	-	Active	NO
5	U01403AP2014PTC093933	Sri Varsha Farmers Producer Company Limited	Director	30/03/2014	30/03/2014	-	Active	NO

Name :

Pradeep Kumar Veera Palli

Designation :

Whole-Time Director

Address :

8-52/1, Padmavathipuram, Tirupati – 517501, Andhra Pradesh, India

Date of Birth/Age :

15.04.1964

Date of Appointment :

01.10.2009

DIN No.:

05122340

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	U15132AP2008PLC061664	SRI VARSHA FOOD PRODUCTS INDIA LIMITED	Whole-time director	01/10/2009	01/10/2009	-	Active	NO
2	U15400AP2012PLC078665	SREE VISWAAS AGRO BIOTECH INDIA LIMITED	Director	19/01/2012	19/01/2012	-	Active	NO
3	U01403AP2014PTC093933	Sri Varsha Farmers Producer Company Limited	Director	30/03/2014	30/03/2014	-	Active	NO

Name :

Sivaji Rao Ramineni

Designation :

Director

Address :

10-67, Maruthi Nagar, Tirupathi – 517501, Andhra Pradesh, India

Date of Birth/Age :

10.12.1955

Date of Appointment :

03.11.2008

DIN No.:

02321080

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	U45200TG1996PTC023406	VARSHA VISWANATH PROPERTIES PRIVATE LIMITED	Director	01/04/2005	01/04/2005	-	Active	NO
2	U15132AP2008PLC061664	SRI VARSHA FOOD PRODUCTS INDIA LIMITED	Director	03/11/2008	03/11/2008	-	Active	NO
3	U15400AP2012PLC078665	SREE VISWAAS AGRO BIOTECH INDIA LIMITED	Director	19/01/2012	19/01/2012	-	Active	NO
4	U01403AP2014PTC093933	Sri Varsha Farmers Producer Company Limited	Director	30/03/2014	30/03/2014	-	Active	NO

KEY EXECUTIVE

Name :	Mr. Ratna Kumar
Designation :	Account Department

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

AS ON 28.09.2012

Names of Shareholders	No. of Shares
K.Vishwanth Naidu	3188590
V Praddep Kumar	1144975
V. Umapathi	1028000
Nand Gopal	310000
R. Appji Naidu	20000
R. Sivaji Rao	30000
R. Subhash Chnadra	20000
V V Properties Private Limited, India	1000000
Total	6741565

Equity Share Break up (Percentage of Total Equity)

AS ON 28.09.2012

Category	Percentage
Bodies corporate	14.83
Directors or relatives of Directors	85.17
Total	100.00

BUSINESS DETAILS

Line of Business :

Manufacturer and Exporters of Fruit Pulps.

Products :

ITC CODE NUMBER	PRODUCT DESCRIPTION
22029020	Fruit Pulp

Brand Names :

Not Divulged

Agencies Held :

Not Divulged

Exports :

Products :

Fruit Pulps

Countries :

· Middle East

· USA

· Europe

· South Africa

Imports :

Products :

Packing Machine

Countries :

Atlantica

Terms :

Selling :

Cash and Cheque

Purchasing :

Cash and Cheque

GENERAL INFORMATION

Supplier :

Not Divulged

Customer :

Not Divulged

No. of Employees :

72 (Approximately)

Bankers :

Bank Name	Indian Overseas Bank
Branch	V.V. Mahal Road
Person Name (With Designation)	Mr. Hariharan (Chief Manager)
Contact Number	91-9573973904
Name of Account Holder	Not Divulged
Account Number	Not Divulged
Account Since (Date/Year of Account Opening)	Not Divulged
Average Balance Maintained (If Possible)	Not Divulged
Credit Facilities Enjoyed (If any)	Cash Credit = Rs. 250.000 Millions
Account Operation	Not Divulged
Remarks (If any)	Mr. Hariharan Denied to provide he is opinion about subject company.

Facilities :

Secured Loan	31.03.2013 (Rs. in Millions)	31.03.2012 (Rs. in Millions)
Long-term Borrowings
Rupee term loans from banks [Plant and Machinery, Land and Buildings etc.]	121.525	140.000
Short-term borrowings
Working capital loans from banks [Hypothecation of stock in trade]	199.145	190.122
Total	320.670	330.122

Banking Relations :	--
Auditors :
Name :	MMG S and Associates Chartered Accountants
Address :	Flat # 103, Sri Kattu Towers, Reddy and Reddy Colony, Tirupathi – 517501, Andhra Pradesh, India
PAN No.:	AAKFM6604N
Memberships :	Not Available
Collaborators :	Not Available
Enterprises in which Key Management Personnel and / or their relatives have significant influence :	Varsha Viswanath Properties Private Limited

CAPITAL STRUCTURE

AS ON 31.03.2013

Authorised Capital :

No. of Shares	Type	Value	Amount
10,000,000	Equity Share	Rs.10/- each	Rs.100.000 Millions

Issued, Subscribed & Paid-up Capital :

No. of Shares	Type	Value	Amount
6,741,565	Equity Share	Rs.10/- each	Rs.67.416 Millions

FINANCIAL DATA

[all figures are in Rupees Millions

ABRIDGED BALANCE SHEET

SOURCES OF FUNDS	31.03.2013	31.03.2012
I.              EQUITY AND LIABILITIES
(1)Shareholders' Funds
(a) Share Capital	67.416	67.416
(b) Reserves & Surplus	45.533	32.614
(c) Money received against share warrants	0.000	0.000
(2) Share Application money pending allotment	20.559	1.559
Total Shareholders’ Funds (1) + (2)	133.508	101.589
(3) Non-Current Liabilities
(a) long-term borrowings	121.525	160.689
(b) Deferred tax liabilities (Net)	6.271	6.271
(c) Other long term liabilities	0.000	0.000
(d) long-term provisions	0.000	0.000
Total Non-current Liabilities (3)	127.796	166.960
(4) Current Liabilities
(a) Short term borrowings	199.145	190.122
(b) Trade payables	36.596	32.359
(c) Other current liabilities	21.200	46.999
(d) Short-term provisions	10.018	5.303
Total Current Liabilities (4)	266.959	274.783
TOTAL	528.263	543.332
II.          ASSETS
(1) Non-current assets
(a) Fixed Assets
(i) Tangible assets	161.747	167.640
(ii) Intangible Assets	0.000	0.000
(iii) Capital work-in-progress	8.214	21.690
(iv) Intangible assets under development	0.000	0.000
(b) Non-current Investments	0.000	0.000
(c) Deferred tax assets (net)	4.749	3.414
(d) Long-term Loan and Advances	0.000	0.000
(e) Other Non-current assets	7.641	4.824
Total Non-Current Assets	182.351	197.568
(2) Current assets
(a) Current investments	0.000	0.000
(b) Inventories	180.774	157.349
(c) Trade receivables	85.815	62.045
(d) Cash and cash equivalents	2.335	21.274
(e) Short-term loans and advances	74.237	102.786
(f) Other current assets	2.751	2.310
Total Current Assets	345.912	345.764
TOTAL	528.263	543.332

SOURCES OF FUNDS	31.03.2011
SHAREHOLDERS FUNDS
1] Shareholder's Capital	67.416
2] Share Application Money	1.345
3] Reserves & Surplus	20.562
4] (Accumulated Losses)	0.000
NETWORTH	89.323
LOAN FUNDS
1] Secured Loans	294.579
2] Unsecured Loans	0.000
TOTAL BORROWING	294.579
DEFERRED TAX LIABILITIES	0.000
TOTAL	383.902
APPLICATION OF FUNDS
FIXED ASSETS [Net Block]	197.353
Capital work-in-progress	10.904
INVESTMENT	0.000
DEFERRED TAX ASSETS	0.000
CURRENT ASSETS, LOANS & ADVANCES
Inventories	107.005
Sundry Debtors	61.712
Cash & Bank Balances	14.820
Other Current Assets	0.000
Loans & Advances and Deposits	82.633
Total Current Assets	266.170
Less : CURRENT LIABILITIES & PROVISIONS
Sundry Creditors	0.000
Other Current Liabilities / Duty and Taxes	79.219
Provisions	11.421
Total Current Liabilities	90.640
Net Current Assets	175.530
MISCELLANEOUS EXPENSES	0.115
TOTAL	383.902

PROFIT & LOSS ACCOUNT

	PARTICULARS	31.03.2013	31.03.2012	31.03.2011
	SALES
	Income	513.398	362.103	518.337
	Other Income	9.187	7.415	0.000
	TOTAL	522.585	369.518	518.337
Less	EXPENSES
	Cost of Materials Consumed	351.460	206.265	0.865
	Purchases of Stock-in-Trade	23.236	103.469	0.000
	Changes in inventories of finished goods, work-in-progress and Stock-in-Trade	4.024	(57.722)	0.000
	Employees benefits expense	11.987	12.259	0.000
	Other expenses	20.566	13.392	442.047
	Prior Period Items	2.619	0.193	0.000
	TOTAL	413.892	277.856	442.912
Less	PROFIT/ (LOSS) BEFORE INTEREST, TAX, DEPRECIATION AND AMORTISATION	108.693	91.662	75.425
Less	FINANCIAL EXPENSES	63.058	44.926	23.848
	PROFIT / (LOSS) BEFORE TAX, DEPRECIATION AND AMORTISATION	45.635	46.736	51.577
Less/ Add	DEPRECIATION/ AMORTISATION	30.607	35.676	27.999
	PROFIT/ (LOSS) BEFORE TAX (	15.028	11.060	23.578
Less	TAX	2.110	-0.992	7.479
	PROFIT/ (LOSS) AFTER TAX	12.918	12.052	16.099
	EARNINGS IN FOREIGN CURRENCY
	F.O.B. Value of Exports	46.373	NA	NA
	TOTAL EARNINGS	46.373	NA	NA
	Earnings / (Loss) Per Share (Rs.)	1.92	--	--

KEY RATIOS

PARTICULARS		31.03.2013	31.03.2012	31.03.2011
Net Profit Margin (PAT / Sales)	(%)	2.52	3.33	3.11
Operating Profit Margin (PBIDT/Sales)	(%)	21.17	25.31	14.55
Return on Total Assets (PBT/Total Assets}	(%)	2.92	2.13	5.09
Return on Investment (ROI) (PBT/Networth)		0.11	0.11	0.27
Debt Equity Ratio (Total Liability/Networth)		2.40	3.45	3.35
Current Ratio (Current Asset/Current Liability)		1.30	1.26	2.94

FINANCIAL ANALYSIS

[all figures are in Rupees Millions]

DEBT EQUITY RATIO

Particular	31.03.2012	31.03.2013
	(Rs. In Millions)	(Rs. In Millions)
Share Capital	67.416	67.416
Reserves & Surplus	32.614	45.533
Share Application money pending allotment	1.559	20.559
Net worth	101.589	133.508
long-term borrowings	160.689	121.525
Short term borrowings	190.122	199.145
Total borrowings	350.811	320.670
Debt/Equity ratio	3.453	2.402

YEAR-ON-YEAR GROWTH

Year on Year Growth	31.03.2011	31.03.2012	31.03.2013
	(Rs. In Millions)	(Rs. In Millions)	(Rs. In Millions)
Sales	518.337	362.103	513.398
		-30.141	41.782

NET PROFIT MARGIN

Net Profit Margin	31.03.2011	31.03.2012	31.03.2013
	(Rs. In Millions)	(Rs. In Millions)	(Rs. In Millions)
Sales	518.337	362.103	513.398
Profit	16.099	12.052	12.918
	3.11%	3.33%	2.52%

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 three years	Yes
13]	Reasons for variation <> 20%	--
14]	Estimation for coming financial year	No
15]	Capital in the business	No
16]	Details of sister concerns	No
17]	Major suppliers	No
18]	Major customers	No
19]	Payments terms	Yes
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	No
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

UNSECURED LOAN

Particulars	31.03.2013 (Rs. in Millions)	31.03.2012 (Rs. in Millions)
Long-term Borrowings
Working capital loans from banks	0.000	20.689
Total	0.000	20.689

INDEX OF CHARGES

S.No.	Charge ID	Date of Charge Creation/Modification	Charge amount secured	Charge Holder	Address	Service Request Number (SRN)
1	10490524	31/07/2014 *	95,000,000.00	SMALL INDUSTRIAL DEVELOPMENT BANK OF INDIA	101, HERMITAGE OFFICE COMPLEX, 1ST FLOOR, SAIFABA  D, HYDERABAD, ANDHRA PRADESH - 500004, INDIA	C13928064
2	10237923	09/07/2010	100,000,000.00	INDIAN OVERSEAS BANK	V.V.MAHAL ROAD, TIRUPATI, ANDHRA PRADESH - 517501,  INDIA	A91424598
3	10224380	13/02/2014 *	396,500,000.00	INDIAN OVERSEAS BANK	I# 630, V V MAHAL ROAD, TIRUPATHI, CHITTOOR, ANDH  RA PRADESH - 517501, INDIA	C03934643

* Date of charge modification

FIXED ASSETS:

· Plant and Machinery

· Building

· Computers

· Furniture and Fixtures

· Vehicles

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 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.61.95
UK Pound	1	Rs.97.60
Euro	1	Rs.76.75

INFORMATION DETAILS

Information Gathered by :	GYT
Analysis Done by :	SUM
Report Prepared by :	SNT

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	6
--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		46

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.