MIRA INFORM REPORT

Report Date :

21.11.2014

IDENTIFICATION DETAILS

Name :	MARUDHAR STONES INTERNATIONAL PRIVATE LIMITED

Registered Office :	Siddh Vinayaka, No.2600, 26 Main, HSR I Sector, Bangalore – 560034, Karnataka

Country :	India

Financials (as on) :	31.03.2013

Date of Incorporation :	18.12.2007

Com. Reg. No.:	08-044697

Capital Investment / Paid-up Capital :	Rs.22.500 Million

CIN No.: [Company Identification No.]	U14100KA2007PTC044697

IEC No.:	Not Available

TAN No.: [Tax Deduction & Collection Account No.]	Not Available

PAN No.: [Permanent Account No.]	Not Available

Legal Form :	Private Limited Liability Company.

Line of Business :	Manufacturer and Exporter of Granite Slabs and tiles.

No. of Employees :	100 (Approximately)

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 40000

Status :	Moderate

Payment Behaviour :	Slow but correct

Litigation :	Clear

Comments :	Subject is an established company having moderate track record. As per Registrar of companies the date of Balance sheet i.e., Financials filed is shown as 31^st March, 2014 but the documents related to the financials for the year 2014 are not available from any sources. As per available financial of 2013, The company has incurred a loss from its operations. However, trade relations are fair. Business is active. Payments terms are reported to be slow but correct. The company can be considered for business 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 1, 2014

Country Name

Previous Rating

(31.03.2014)

Current Rating

(01.06.2014)

India

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

INDIAN ECONOMIC OVERVIEW

N E W S

Verdict Implications : Apex court order may alter coal import dynamics. Traders go slow on talks over coal supply contracts, uncertainty over cancellation of blocks weigh on stocks.

Recent arrest of the Chennai head of the Registrar of Companies, the ministry of corporate affairs arm that ensures that companies file all the information required by the Companies Act is the latest manifestation of a messy fight between a father and his adopted son for the control of Rs 40000 mn business empire. The Central Bureau of Investigation arrested Manumeethi Cholan after he accepted Rs 10 lakhs as bribe from M A M Ramaswamy, a CBI official said.

Central Bureau of Investigation books Electrotherm for cheating Central Bank of Rs 4360 mn.

Infosys maintains revenue guidance. COO Rao says attrition still an area of concern and it would take a few more quarters to bring down levels to 13-15 %.

DHL to invest Euro 100 mn in India over next 2 years. The firm has chosen India to pilot its e-commerce business model for the Asia-Pacific region.

Blackstone may buy stake in BlueRidge SEZ in line with the fund’s real estate strategy in India.

Kingfisher Airlines Ltd grounded in October 2012 under the weight of heavy debt and accumulated losses, recently approached the Delhi high court for relief in two separate cases. The airline challenged a notice by Punjab & National Bank alleging that It had wilfully defaulted on Rs 7700 mn of loans and sought more time to comply with the requirements under the listing agreements with the Stock Exchanges.

OnMobile likely to sack another 300 employees. The lay-offs follow a spate of senior-level exits over the past two years, starting with of its founder. The overall lay-offs could number around 600 and are driven by the need to cut costs, says a former employee.

EXTERNAL AGENCY RATING

Not Available

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 31-03-2014.

INFORMATION PARTED BY

Name :	Mr. Vikas
Designation :	Director
Contact No.:	91-8043258504
Date :	19.11.2014

LOCATIONS

Registered Office :	Siddh Vinayaka, No.2600, 26 Main, HSR I Sector, Bangalore – 560034, Karnataka, India
Tel. No.:	91-4344-323100
Mobile No.:	91-8043258504 (Mr. Vikas)
Fax No.:	Not Available
E-Mail :	info@marudharstones.com
Website :	www.marudharstones.com
Location :	Owned

Factory :	367 and 368, Samnnapalli Main Road, Alur Village, Near Sipcot 2^nd Phase, Hosur – 635109, India

DIRECTORS

As on 30.09.2013

Name :

Dinesh Kumar Jain

Designation :

Director

Date of Appointment :

18.12.2007

DIN No.:

00801953

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	U14102KA2003PTC032817	ARROW GRANITES PRIVATE LIMITED	Director	05/11/2003	05/11/2003	22/03/2008	Active	NO
2	U14100KA2007PTC044697	MARUDHAR STONES INTERNATIONAL PRIVATE LIMITED	Director	18/12/2007	18/12/2007	-	Active	NO
3	U45201KA2008PTC046226	MET INFRASTRUCTURE PRIVATE LIMITED	Director	29/04/2008	29/04/2008	-	Active	YES

Name :

Vikas Kothari

Designation :

Director

Date of Appointment :

30.09.2010

DIN No.:

01797613

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	U51102KA1999PTC026029	MUKUND STONE PRIVATE LIMITED	Director	03/12/1999	03/12/1999	-	Active	NO
2	U14100KA2007PTC044697	MARUDHAR STONES INTERNATIONAL PRIVATE LIMITED	Director	30/09/2010	01/12/2009	-	Active	NO
3	U51420KA2010PTC056347	MARUDHAR ROCKS INTERNATIONAL PRIVATE LIMITED	Director	24/12/2010	24/12/2010	-	Active	NO

Name :

Jithendra Kumar Kothari

Designation :

Director

Date of Appointment :

18.12.2007

DIN No.:

01852691

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	U51102KA1999PTC026117	ANUSHA STONES PRIVATE LIMITED	Director	22/12/1999	22/12/1999	-	Active	NO
2	U32109KA1988PTC009177	ARYAN STONES PRIVATE LIMITED	Director	14/08/2003	14/08/2003	-	Active	NO
3	U29299KA1999PTC025691	ADESWAR GRANITES PRIVATE LIMITED	Director	27/01/2005	27/01/2005	23/03/2012	Active	NO
4	U14100KA2007PTC044697	MARUDHAR STONES INTERNATIONAL PRIVATE LIMITED	Director	18/12/2007	18/12/2007	-	Active	NO
5	U51420KA2010PTC056347	MARUDHAR ROCKS INTERNATIONAL PRIVATE LIMITED	Director	24/12/2010	24/12/2010	-	Active	NO
6	U45205KA2014PTC074942	MARUDHAR PROJECTS PRIVATE LIMITED	Director	19/06/2014	19/06/2014	-	Active	NO

Name :

Bhagchand Kothari

Designation :

Director

Date of Appointment :

30.12.2008

DIN No.:

02330309

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	U51102KA1999PTC026029	MUKUND STONE PRIVATE LIMITED	Director	15/09/2001	15/09/2001	-	Active	NO
2	U14100KA2007PTC044697	MARUDHAR STONES INTERNATIONAL PRIVATE LIMITED	Director	30/12/2008	03/11/2008	-	Active	NO
3	U45205KA2014PTC074942	MARUDHAR PROJECTS PRIVATE LIMITED	Director	19/06/2014	19/06/2014	-	Active	NO

MAJOR SHAREHOLDERS

As on 30.09.2013

Names of Shareholders	No. of Shares
Dinesh Kumar Jain	312500
Jithendra kumar Kothari	900000
Bhagchand Kothari	900000

As on 30.09.2013

Equity Share Break up (Percentage of Total Equity)

Category	Percentage of Holding
Directors or relatives of Directors	100.00
Total	100.00

BUSINESS DETAILS

Line of Business :	Manufacturer and Exporter of Granite Slabs and tiles.

Products :	Not Available

Brand Names :	Not Available

Agencies Held :	Not Available

Exports :
Products :	Finished Goods
Countries :	USA European Countries

Imports :	Not Available

Terms :
Selling :	Cash and Credit

Purchasing :	Cash and Credit

PRODUCTION STATUS = Not Available

GENERAL INFORMATION

Suppliers :

Reference :	Not Divulged
Name of the Person :	---
Contact No.:	---
Since How Long Known :	---
Experience :	---
Maximum Limit Dealt :	---

Customers :

Reference :	Not Divulged
Name of the Person :	---
Contact No.:	---
Since How Long Known :	---
Experience :	---
Maximum Limit Dealt :	---

No. of Employees :

100 (Approximately)

Bankers :

Banker Name	Indian Overseas Bank
Branch Address	East Eand Main Road, Bangalore, Karnataka, India
Person Name (With Designation)	---
Contact Number	91-80-22950183
Name of Account Holder	---
Account Number	---
Account Since (Date/Year of Account Opening)	---
Average Balance Maintained (If Possible)	---
Credit Facilities Enjoyed (If any)	---
Account Operation	---
Remarks (If any)	Number Continuously Ringing

Facilities :

SECURED LOANS	31.03.2013 (Rs. in Millions)	31.03.2012 (Rs. in Millions)
LONG TERM BORROWINGS
ICICI Car Loan A/c No. LABNG00026443952 (Secured Against Car)	1.057	0.000
IOB Loan A/c 067703260800004 (Secured Against Plant and Machinery)	11.436	21.575
IOB Loan A/c 067703261000004 (Secured Against Plant and Machinery)	3.525	5.720
Total	16.018	27.295

Auditors :
Name :	Mgirt and Company Chartered Accountants
Address :	No.71, 1^st Floor, Pratistha Chambers, 5^th Main Road, Chamrajpet, Bangalore – 560018, Karnataka, India
PAN No.:	AACFT9349R

Memberships :	---

Collaborators :	---

Associates/Subsidiaries :	Not Available

CAPITAL STRUCTURE

As on 31.03.2013

Authorised Capital :

No. of Shares	Type	Value	Amount

2250000	Equity Shares	Rs.10/-each	Rs.22.500 Million

Issued, Subscribed & Paid-up Capital :

No. of Shares	Type	Value	Amount

2250000	Equity Shares	Rs.10/-each	Rs.22.500 Million

FINANCIAL DATA

[all figures are in Rupees Millions]

ABRIDGED BALANCE SHEET

SOURCES OF FUNDS	31.03.2013	31.03.2012	31.03.2011

I. EQUITY AND LIABILITIES
(1)Shareholders' Funds
(a) Share Capital	22.500	22.500	4.500
(b) Reserves & Surplus	(7.008)	(3.442)	16.190
(c) Money received against share warrants	0.000	0.000	0.000

(2) Share Application money pending allotment	0.000	0.000	0.000
Total Shareholders’ Funds (1) + (2)	15.492	19.058	20.690

(3) Non-Current Liabilities
(a) long-term borrowings	63.353	71.522	90.237
(b) Deferred tax liabilities (Net)	0.000	0.000	1.429
(c) Other long term liabilities	0.000	0.000	0.000
(d) long-term provisions	0.000	0.000	0.000
Total Non-current Liabilities (3)	63.353	71.522	91.666

(4) Current Liabilities
(a) Short term borrowings	0.000	8.327	0.000
(b) Trade payables	28.821	4.649	7.855
(c) Other current liabilities	54.194	46.754	39.144
(d) Short-term provisions	0.375	0.351	0.074
Total Current Liabilities (4)	83.390	60.081	47.073

TOTAL	162.235	150.661	159.429

II. ASSETS
(1) Non-current assets
(a) Fixed Assets
(i) Tangible assets	85.675	89.214	105.763
(ii) Intangible Assets	0.000	0.000	0.000
(iii) Capital work-in-progress	3.046	0.000	0.000
(iv) Intangible assets under development	0.000	0.000	0.000
(b) Non-current Investments	0.000	0.000	0.000
(c) Deferred tax assets (net)	3.687	1.809	0.000
(d) Long-term Loan and Advances	0.000	0.000	0.000
(e) Other Non-current assets	0.058	0.117	0.175
Total Non-Current Assets	92.466	91.140	105.938

(2) Current assets
(a) Current investments	0.000	0.000	1.844
(b) Inventories	16.256	16.922	29.940
(c) Trade receivables	32.886	25.569	7.398
(d) Cash and cash equivalents	5.421	3.204	0.001
(e) Short-term loans and advances	1.097	2.060	0.017
(f) Other current assets	14.109	11.766	14.291
Total Current Assets	69.769	59.521	53.491

TOTAL	162.235	150.661	159.429

PROFIT & LOSS ACCOUNT

	PARTICULARS	31.03.2013	31.03.2012	31.03.2011
	SALES
	Income	205.480	203.636	183.865
	Other Income	NA	0.177	1.042
	TOTAL	NA	203.813	184.907

Less	EXPENSES
	Cost of Materials Consumed	NA	53.697	44.596
	Stores and Spares Consumed	NA	46.154	34.568
	Purchases of Stock-in-Trade	NA	10.143	17.111
	Changes in inventories of finished goods, work-in-progress and Stock-in-Trade	NA	(0.039)	(1.022)
	Employees benefits expense	NA	18.690	12.513
	Other expenses	NA	41.198	37.096
	TOTAL	NA	169.843	144.862

Less	PROFIT/ (LOSS) BEFORE INTEREST, TAX, DEPRECIATION AND AMORTISATION	NA	33.970	40.045

Less	FINANCIAL EXPENSES	NA	15.836	13.976

	PROFIT / (LOSS) BEFORE TAX, DEPRECIATION AND AMORTISATION	13.138	18.134	26.069

Less/ Add	DEPRECIATION/ AMORTISATION	18.290	22.818	26.448

	PROFIT/ (LOSS) BEFORE TAX	(5.152)	(4.684)	(0.379)

Less	TAX	(1.586)	(3.052)	(2.256)

	PROFIT/ (LOSS) AFTER TAX	(3.566)	(1.632)	1.877

	Earnings / (Loss) Per Share (Rs.)	(1.58)	(0.73)	4.17

KEY RATIOS

PARTICULARS		31.03.2013	31.03.2012	31.03.2011

Net Profit Margin PAT / Sales	(%)	(1.74)	(0.80)	1.02

Operating Profit Margin (PBDIT/Sales)	(%)	NA	16.68	21.77

Return on Total Assets (PBT/Total Assets}	(%)	(3.31)	(3.15)	(0.24)

Return on Investment (ROI) (PBT/Networth)		(0.33)	(0.25)	(0.02)

Debt Equity Ratio (Total Liability/Networth)		4.09	4.19	4.36

Current Ratio (Current Asset/Current Liability)		0.84	0.99	1.14

FINANCIAL ANALYSIS

[all figures are in Rupees Millions]

DEBT EQUITY RATIO

Particular	31.03.2011	31.03.2012	31.03.2013
	(Rs. In Millions)	(Rs. In Millions)	(Rs. In Millions)
Share Capital	4.500	22.500	22.500
Reserves & Surplus	16.190	(3.442)	(7.008)
Net worth	20.690	19.058	15.492

long-term borrowings	90.237	71.522	63.353
Short term borrowings	0.000	8.327	0.000
Total borrowings	90.237	79.849	63.353
Debt/Equity ratio	4.361	4.190	4.089

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	183.865	203.636	205.480
		10.753	0.906

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	183.865	203.636	205.480
Profit	1.877	(1.632)	(3.566)
	1.02%	(0.80%)	(1.74%)

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	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	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

INDEX OF CHARGES

No.

Charge ID

Date of Charge Creation/Modification

Charge amount secured

Charge Holder

Address

Service Request Number (SRN)

10134874

22/09/2010 *

114,500,000.00

INDIAN OVERSEAS BANK

EAST END MAIN ROAD 9TH BLOCK JAYANAGAR, BANGALORE, BANGALORE, Karnataka - 560069, INDIA

A96701537

UNSECURED LOANS

PARTICULAR	31.03.2013 (Rs. in Millions)	31.03.2012 (Rs. in Millions)
LONG TERM BORROWINGS
Loans and Advances from Relatives	47.335	44.227

SHORT TERM BORROWINGS
Others	0.000	8.327

Total	47.335	52.554

FIXED ASSETS

Computer Software
Camera
Printer
Building
Compressor
Generator -640 KVA
Transformer
Automatic Belt Polishing Machine

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.62.10
UK Pound	1	Rs.97.31
Euro	1	Rs.77.91

INFORMATION DETAILS

Information Gathered by :	DIP

Analysis Done by :	RAS

Report Prepared by :	PNM

SCORE & RATING EXPLANATIONS

SCORE FACTORS	RANGE	POINTS
HISTORY	1~10	4
PAID-UP CAPITAL	1~10	3
OPERATING SCALE	1~10	4
FINANCIAL CONDITION
--BUSINESS SCALE	1~10	4
--PROFITABILIRY	1~10	2
--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	YES
--AFFILIATION	YES/NO	NO
--LISTED	YES/NO	NO
--OTHER MERIT FACTORS	YES/NO	YES
DEFAULTER
--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	--

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.

MIRA INFORM REPORT

NA

Unit