MIRA INFORM REPORT

Report No. :	305873
Report Date :	03.02.2015

IDENTIFICATION DETAILS

Name :	HEALTH IMPETUS PRIVATE LIMITED (w.e.f. 07.06.2010)
Formerly Known As :	DIOPULSE SOLUTIONS PRIVATE LIMITED
Registered Office :	Office No. 315, Sector 1, Building 2, Millennium Business Park, Mahape, Navi Mumbai – 400709, Maharashtra
Country :	India
Financials (as on) :	31.03.2014
Date of Incorporation :	19.06.2008
Com. Reg. No.:	183708
Capital Investment / Paid-up Capital :	Rs. 0.160 Million
CIN No.: [Company Identification No.]	U72900MH2008PTC183708
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 :	Providing Healthcare Services.
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 73000
Status :	Satisfactory
Payment Behaviour :	Usually correct
Litigation :	Clear
Comments :	Subject is an established company having satisfactory track record. There is an increase in the reserves of the company from previous year 2013. Profitability of the company is sound. Trade relations are reported as 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 – December 31, 2014

Country Name	Previous Rating (30.09.2014)	Current Rating (31.12.2014)
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

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.

LOCATIONS

Registered Office :	Office No. 315, Sector 1, Building 2, Millennium Business Park, Mahape, Navi Mumbai – 400709, Maharashtra, India
Tel. No. :	91-22-61012101
Fax No. :	91-22-61012126
E-Mail :	info@healthimpetus.com
Website :	www.healthimpetus.com
US Office :	6, Stacey Street, Edison, NJ 08820
Tel. No.:	+1 908-279-7190

DIRECTORS

As on 30.09.2014

Name :

Shrenik Vijay Ajmera

Designation :

Director

Address :

601, Shivam-A, CTS, 349/6, BB CI Rly Emp Chs, Irla, Vile Parle (West), Mumbai - 400056, Maharashtra, India

Date of Birth/Age :

21.05.1976

Date of Appointment :

19.06.2008

DIN No. :

02085622

Name :

Mr. Pankaj Sindhu

Designation :

Managing Director

Address :

B-708, Sai Deep Co-Operative Housing Society Limited, Opposite Luvkush Tower, Sindhi Society, Chembur, Mumbai - 400071, Maharashtra, India

Date of Birth/Age :

06.10.1975

Date of Appointment :

06.03.2010

DIN No. :

02316347

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	Company/ LLP Status	Defaulting status
1	U72900MH2008PTC183708	HEALTH IMPETUS PRIVATE LIMITED	Managing director	06-03-2010	06-03-2010	Active	NO
2	U85191MH2012PTC237728	SWASTHAM CARE INDIA PRIVATE LIMITED	Director	30-09-2014	12-03-2014	Active	NO

Name :

Mr. Gaurav Burman

Designation :

Nominee Director

Address :

30, Wilton Place, London, SW1X8SH, United Kingdom

Date of Appointment :

28.11.2014

DIN No. :

01870814

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	U74140DL2006PTC185506	ELEPHANT INDIA ADVISORS PRIVATE LIMITED	Director	26-09-2007	30-03-2007	-	Active	NO
2	U65923DL2006PTC151284	PROMETHEAN INDIA FINANCE PRIVATE LIMITED	Director	26-09-2007	07-05-2007	29-01-2009	Active	NO
3	L26920MH1966PLC016547	NITCO LIMITED	Director	11-12-2007	24-10-2007	24-04-2012	Active	NO
4	U65929DL2008PTC174436	G.B. FINVEST PRIVATE LIMITED	Director	22-08-2008	25-02-2008	15-01-2009	Amalgamated	NO
5	U45400DL2008PLC179214	JETAGE INFRASTRUCTURE LIMITED	Nominee director	30-09-2009	24-07-2008	-	Active	NO
6	U67120DL1978PTC167481	WINDY INVESTMENTS PRIVATE LIMITED	Director	30-09-2008	11-08-2008	-	Active	NO
7	U74899DL1979ULT021611	A.CEE ENTERPRISES (A PRIVATE COMPANY WITH UNLIMITED LIABILITY)	Director	30-09-2009	01-12-2008	-	Active	NO
8	U74899DL1984PTC019523	ELEPHANT INDIA FINANCE PRIVATE LIMITED	Director	25-09-2009	15-04-2009	-	Active	NO
9	U74990MH2009FTC196769	GLOBAL CRICKET VENTURES (INDIA) PRIVATE LIMITED	Director	29-10-2009	29-10-2009	-	Strike off	NO
10	U51396MH1980PTC023421	AMAR CHITRA KATHA PRIVATE LIMITED	Director	24-09-2010	15-06-2010	-	Active	NO
11	U92190MH2008PLC187450	ACK EDUTAINMENT LIMITED	Director	22-07-2011	17-01-2011	-	Active	NO
12	U92490DL2011PTC217040	PUNE SHUTTLE MASTERS PRIVATE LIMITED	Director	05-04-2011	05-04-2011	-	Active	NO
13	U74999DL2011PTC218332	MG BURMANS CAPITAL ADVISORS PRIVATE LIMITED	Director	29-04-2011	29-04-2011	-	Active	NO
14	L52602MH1996PLC192090	FUTURE CONSUMER ENTERPRISE LIMITED	Director	23-09-2011	16-07-2011	26-05-2014	Active	NO
15	U80301TN2010PTC078617	KARADI PATH EDUCATION COMPANY PRIVATE LIMITED	Director	23-07-2011	23-07-2011	-	Active	NO
16	U32301TN1996PTC035885	KARADI TALES COMPANY PRIVATE LIMITED	Director	23-07-2011	23-07-2011	-	Active	NO
17	U50100DL2011PTC226505	CATERHAM CARS INDIA PRIVATE LIMITED	Director	19-10-2011	19-10-2011	-	Active	NO
18	U55101DL2010PTC211816	SAMHI HOTELS PRIVATE LIMITED	Additional director	20-10-2011	20-10-2011	09-01-2012	Active	NO
19	U70109DL2006PTC151242	SAMHI HOTELS (GURGAON) PRIVATE LIMITED	Additional director	21-10-2011	21-10-2011	09-01-2012	Active	NO
20	U74140MH2011FTC224070	ESPIRITO SANTO SECURITIES INDIA PRIVATE LIMITED	Director	18-11-2011	18-11-2011	-	Active	NO
21	U15490MH2011PTC215430	FUTURE DAIRY AND BAKERY PRODUCTS PRIVATE LIMITED	Director	17-12-2011	17-12-2011	21-10-2014	Active	NO
22	U99999MH1980PLC023420	I B H BOOKS AND MAGAZINES DISTRIBUTORS LIMITED	Director	06-09-2012	17-12-2011	-	Active	NO
23	U92100MH2008PLC187045	IDEAS BOX ENTERTAINMENT LIMITED	Director	06-09-2012	17-12-2011	-	Active	NO
24	U93000KA2004PLC034869	ACK MEDIA DIRECT LIMITED	Director	06-09-2012	17-12-2011	-	Active	NO
25	U74140DL2012PTC235005	BURMAN GSC PRIVATE LIMITED	Director	30-04-2012	30-04-2012	-	Active	NO
26	U80302DL2012PTC241169	BERKELEY HEALTHEDU PRIVATE LIMITED	Nominee director	26-03-2013	28-08-2012	-	Active	NO
27	U65929DL2008PTC182749	DMI FINANCE PRIVATE LIMITED	Nominee director	22-07-2013	29-01-2013	-	Active	NO
28	U85190DL2012PTC242876	HEALTH CARE AT HOME INDIA PRIVATE LIMITED	Nominee director	02-12-2013	31-03-2013	-	Active	NO
29	U74140DL2010PTC203373	STAR MANAGEMENT PRIVATE LIMITED	Nominee director	30-09-2014	01-10-2013	-	Active	NO
30	U74900DL2014PTC266915	STOREMORE STORAGE SOLUTIONS PRIVATE LIMITED	Additional director	03-09-2014	03-09-2014	-	Active	NO
31	U74140DL2014PTC272258	BURMAN HOSPITALITY PRIVATE LIMITED	Director	01-10-2014	01-10-2014	-	Active	NO
32	U85191MH2012PTC237728	SWASTHAM CARE INDIA PRIVATE LIMITED	Nominee director	28-11-2014	28-11-2014	-	Active	NO
33	U72900MH2008PTC183708	HEALTH IMPETUS PRIVATE LIMITED	Nominee director	28-11-2014	28-11-2014	-	Active	NO

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

As on 30.09.2014

Names of Equity Shareholders	No. of Shares
Vinita Sindhu	7650
Pankaj Sindhu	6750
Purvish Mahendra Parekh	600
Total	15000

Names of Preference Shareholder	No. of Shares
Pankaj Sindhu	1000
Total	1000

Allottee as on 12.11.2014

Names of Allottee	No. of Shares
Pankaj Sindhu	1000
Total	1000

As on 30.09.2014

Equity Share Break up (Percentage of Total Equity)

Category	Percentage of Holding
Directors or relatives of Directors	96.00
Other top fifty shareholders	4.00
Total	100.00

BUSINESS DETAILS

Line of Business :	Providing Healthcare Services.
Brand Names :	--
Agencies Held :	--
Exports :	--
Imports :	--
Terms :	--

PRODUCTION STATUS: NOT AVAILABLE

GENERAL INFORMATION

Suppliers :

Not Available

Customers :

Not Available

No. of Employees :

Not Available

Bankers :

· State Bank of India

HDFC Bank Limited

Facilities :

SECURED LOANS	31.03.2014 (Rs. In Millions)	31.03.2013 (Rs. In Millions)
LONG TERM BORROWINGS
Car Loan from Tata Capital Limited	0.209	0.297
Less: Current Maturities	0.099	0.088
Total	0.110	0.209

Banking Relations :	--
Auditors :
Name :	Shah and Taparia Chartered Accountants
Address :	12, Navjeevan Wadi, Dhobi Talao, Mumbai – 400002, Maharashtra, India
Telefax No. :	91-22-40220301/ 02/ 03
E-Mail :	info@shahtaparia.com
Income-tax PAN of auditor or auditor's firm :	AAOFS0663D
Memberships :	--
Collaborators :	--
Associates/Subsidiaries :	--

CAPITAL STRUCTURE

As on 30.09.2014

Authorised Capital :

No. of Shares	Type	Value	Amount
50,000	Equity Shares	Rs.10/- each	Rs. 0.500 Million
20,000	Preference Shares	Rs.10/- each	Rs. 0.200 Million
	Total		Rs. 0.700 Million

Issued, Subscribed & Paid-up Capital :

No. of Shares	Type	Value	Amount
15,000	Equity Shares	Rs.10/- each	Rs. 0.150 Million
1,000	Preference Shares	Rs.10/- each	Rs. 0.010 Million
	Total		Rs. 0.160 Millions

FINANCIAL DATA

[all figures are in Rupees Millions]

ABRIDGED BALANCE SHEET

SOURCES OF FUNDS	31.03.2014	31.03.2013	31.03.2012
I. EQUITY AND LIABILITIES
(1)Shareholders' Funds
(a) Share Capital	0.160	0.150	0.150
(b) Reserves & Surplus	25.501	18.272	10.583
(c) Money received against share warrants	0.000	0.000	0.000
(2) Share Application money pending allotment	0.000	1.000	0.000
Total Shareholders’ Funds (1) + (2)	25.661	19.422	10.733
(3) Non-Current Liabilities
(a) long-term borrowings	0.110	0.209	0.297
(b) Deferred tax liabilities (Net)	0.060	0.243	0.261
(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)	0.170	0.452	0.558
(4) Current Liabilities
(a) Short term borrowings	0.000	0.000	0.000
(b) Trade payables	0.000	0.000	0.000
(c) Other current liabilities	6.411	2.907	1.658
(d) Short-term provisions	0.000	0.000	0.000
Total Current Liabilities (4)	6.411	2.907	1.658
TOTAL	32.242	22.781	12.949
II. ASSETS
(1) Non-current assets
(a) Fixed Assets
(i) Tangible assets	1.397	1.912	2.141
(ii) Intangible Assets	0.000	0.000	0.000
(iii) Capital work-in-progress	0.000	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)	0.000	0.000	0.000
(d) Long-term Loan and Advances	5.373	5.649	0.416
(e) Other Non-current assets	0.000	0.000	0.000
Total Non-Current Assets	6.770	7.561	2.557
(2) Current assets
(a) Current investments	2.448	2.844	0.562
(b) Inventories	0.000	0.000	0.000
(c) Trade receivables	14.868	11.188	3.603
(d) Cash and cash equivalents	2.617	0.871	1.332
(e) Short-term loans and advances	5.539	0.317	4.467
(f) Other current assets	0.000	0.000	0.428
Total Current Assets	25.472	15.220	10.392
TOTAL	32.242	22.781	12.949

PROFIT & LOSS ACCOUNT

	PARTICULARS		31.03.2014	31.03.2013	31.03.2012
	SALES
		Income	52.631	51.919	22.930
		Other Income	0.200	0.273	0.094
		TOTAL	52.831	52.192	23.024
Less	EXPENSES
		Employees benefits expense		26.928
		Administrative Expenses		13.166
		TOTAL	46.591 (Including Financial Expenses and Depreciation)	40.094	21.318 (Including Depreciation)
Less	PROFIT/ (LOSS) BEFORE INTEREST, TAX, DEPRECIATION AND AMORTISATION (C)			12.098
Less	FINANCIAL EXPENSES (D)			0.037
	PROFIT / (LOSS) BEFORE TAX, DEPRECIATION AND AMORTISATION			12.061	1.706
Less/ Add	DEPRECIATION/ AMORTISATION			0.796	0.851
	PROFIT/ (LOSS) BEFORE TAX		6.240	11.265	0.855
Less	TAX		1.752	3.611	(0.060)
	PROFIT/ (LOSS) AFTER TAX		4.488	7.654	0.915
	EARNINGS IN FOREIGN CURRENCY		0.000	NA	0.651
	Earnings / (Loss) Per Share (Rs.)		280.50	510.27	61.00

KEY RATIOS

PARTICULARS		31.03.2014	31.03.2013	31.03.2012
Net Profit Margin (PAT / Sales)	(%)	8.53	14.74	3.99
Operating Profit Margin (PBIDT/Sales)	(%)	NA	23.30	NA
Return on Total Assets (PBT/Total Assets}	(%)	19.35	49.45	6.60
Return on Investment (ROI) (PBT/Networth)		0.24	0.58	0.08
Debt Equity Ratio (Total Debt/Networth)		0.00	0.01	0.03
Current Ratio (Current Asset/Current Liability)		3.97	5.24	6.27

FINANCIAL ANALYSIS

[all figures are in Rupees Millions]

DEBT EQUITY RATIO

Particular	31.03.2012	31.03.2013	31.03.2014
	(Rs. In Millions)	(Rs. In Millions)	(Rs. In Millions)
Share Capital	0.150	0.150	0.160
Reserves & Surplus	10.583	18.272	25.501
Share Application money pending allotment	0.000	1.000	0.000
Net worth	10.733	19.422	25.661
long-term borrowings	0.297	0.209	0.110
Short term borrowings	0.000	0.000	0.000
Total borrowings	0.297	0.209	0.110
Debt/Equity ratio	0.028	0.011	0.004

YEAR-ON-YEAR GROWTH

Year on Year Growth	31.03.2012	31.03.2013	31.03.2014
	(Rs. In Millions)	(Rs. In Millions)	(Rs. In Millions)
Sales	22.930	51.919	52.631
		126.424	1.371

NET PROFIT MARGIN

Net Profit Margin	31.03.2012	31.03.2013	31.03.2014
	(Rs. In Millions)	(Rs. In Millions)	(Rs. In Millions)
Sales	22.930	51.919	52.631
Profit	0.915	7.654	4.488
	3.99%	14.74%	8.53%

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	No
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 CHARGES EXIST FOR COMPANY

FIXED ASSETS

· Computer System and Software

Office Equipment

Furniture and Fittings

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.61.88
UK Pound	1	Rs.93.27
Euro	1	Rs.69.94

INFORMATION DETAILS

Analysis Done by :	SUM
Report Prepared by :	MRI

SCORE & RATING EXPLANATIONS

SCORE FACTORS	RANGE	POINTS
HISTORY	1~10	5
PAID-UP CAPITAL	1~10	3
OPERATING SCALE	1~10	4
FINANCIAL CONDITION
--BUSINESS SCALE	1~10	5
--PROFITABILITY	1~10	6
--LIQUIDITY	1~10	6
--LEVERAGE	1~10	6
--RESERVES	1~10	5
--CREDIT LINES	1~10	5
--MARGINS	-5~5	--
DEMERIT POINTS
--BANK CHARGES	YES/NO	NO
--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		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	--

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.