MIRA INFORM REPORT

Report No. :	303862
Report Date :	21.01.2015

IDENTIFICATION DETAILS

Name :	MYSORE AMMONIA PRIVATE LIMITED

Registered Office :	# 233, "Rajnigandha", Garden Apartments, 21, Vittal Mallya Road, Bangalore – 560001, Karnataka

Country :	India

Financials (as on) :	31.03.2013

Date of Incorporation :	27.09.1977

Com. Reg. No.:	08-003215

Capital Investment / Paid-up Capital :	Rs.0.200 Million

CIN No.: [Company Identification No.]	U24111KA1977PTC003215

TIN No.:	Not Available

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 :	To manufacture, produce, buy, sell, dispose and deal in Gas especially ammonia and other gases in all their forms.

No. of Employees :	Information denied by management

RATING & COMMENTS

MIRA’s Rating :

Ba (47)

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

Maximum Credit Limit :	USD 193000

Status :	Satisfactory

Payment Behaviour :	Usually Correct

Litigation :	Clear

Comments :	Subject is an established company having satisfactory track record. Management of the company has failed to file its latest financial for the year 2014 with the government department. As per available financial of 2012 financial position of the company seems to be decent. Trade relations are fair. Business is active. Payments are reported to be usually correct. The company can be considered normal 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

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.

INFORMATION DENIED BY

Name :	Mr. S. Banerjee
Designation :	Export Manager
Contact No.:	91-22-24902727
Date :	19.01.2015

LOCATIONS

Registered Office :	# 233, "Rajnigandha", Garden Apartments, 21, Vittal Mallya Road, Bangalore – 560001, Karnataka, India
Tel. No.:	Not Available
Fax No.:	Not Available
E-Mail :	sandeepchabria@gmail.com

Branch Office :	112, Turf Estate, Shakti Mill Lane, 3/65, Dr. E. Moses Road, Mahalaxmi (West), Mumbai - 400011, Maharashtra, India
Tel. No.:	91-22-24902727 / 24955196
Fax No.:	91-22-24986389

DIRECTORS

As on 26.09.2013

Name :

Mr. Manoharlal Jamanadas Chabria

Designation :

Director

Address :

Flat No.-2, 20th Floor, Sky Scapper 'B', Bhulabhai Desai Road., Mumbai - 400026, Maharashtra, India

Date of Birth/Age :

21.03.1938

Date of Appointment :

12.01.1978

DIN No.:

00340406

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	U24111KA1977PTC003215	MYSORE AMMONIA PRIVATE LIMITED	Director	12/01/1978	12/01/1978	-	Active	NO
2	U51900MH1988PTC050094	ORION MARKETING PRIVATE LIMITED	Director	19/12/1988	19/12/1988	-	Active	NO
3	U60300MH1990PTC056847	LIQUIFIED GAS TRANSPORT (BOMBAY) PRIVATE LIMITED	Director	30/09/1997	30/09/1997	-	Active	NO
4	U24121MH1998PLC115586	INDUS AMMONIA AND CHEMICALS LIMITED	Director	01/07/1998	01/07/1998	-	Active	NO
5	U24233MH2011PTC211728	MYSORE-JAYSONS CHEMICAL PRIVATE LIMITED	Director	03/01/2011	03/01/2011	-	Active	NO
6	U24232AP2013PTC088722	SRI BHARGAVI AMMONIA & CHEMICALS PRIVATE LIMITED	Additional director	22/07/2014	22/07/2014	-	Active	NO
7	AAD-0998	MYSORE AMMONIA SUPPLY CORPORATION LLP	Designated Partner	24/12/2014	24/12/2014	-	Active	NO

Name :

Mr. Nitin Manoharlal Chabria

Designation :

Director

Address :

Flat No.-2, 20th Floor, Sky Scrapper 'B', Bhulabhai Desai Road., Mumbai - 400026, Maharashtra, India

Date of Birth/Age :

11.03.1968

Date of Appointment :

28.04.2009

DIN No.:

00340483

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	U51900MH1988PTC050094	ORION MARKETING PRIVATE LIMITED	Director	19/12/1988	19/12/1988	-	Active	NO
2	U60300MH1990PTC056847	LIQUIFIED GAS TRANSPORT (BOMBAY) PRIVATE LIMITED	Director	30/10/1993	30/10/1993	-	Active	NO
3	U24121MH1998PLC115586	INDUS AMMONIA AND CHEMICALS LIMITED	Director	01/07/1998	01/07/1998	-	Active	NO
4	U45400MH2007PTC171868	D E C ENGINEERING AND CONSTRUCTIONS PRIVATE LIMITED	Director	21/06/2007	21/06/2007	-	Active	NO
5	U24111KA1977PTC003215	MYSORE AMMONIA PRIVATE LIMITED	Director	28/04/2009	28/04/2009	-	Active	NO
6	U24233MH2011PTC211728	MYSORE-JAYSONS CHEMICAL PRIVATE LIMITED	Director	03/01/2011	03/01/2011	-	Active	NO
7	U24232AP2013PTC088722	SRI BHARGAVI AMMONIA & CHEMICALS PRIVATE LIMITED	Additional director	22/07/2014	22/07/2014	-	Active	NO
8	AAC-6977	PRAJAI CYLINDERS LLP	Designated Partner	11/09/2014	11/09/2014	-	Active	NO
9	AAD-0998	MYSORE AMMONIA SUPPLY CORPORATION LLP	Designated Partner	24/12/2014	24/12/2014	-	Active	NO

Name :

Mr. Sandeep Prahladrai Chabria

Designation :

Director

Address :

602, Silver Oaks, Garden Apartments, 21, V Mallya Road, Bangalore - 560001, Karnataka, India

Date of Birth/Age :

22.12.1968

Date of Appointment :

28.04.2009

DIN No.:

00528032

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	U24111KA1995PTC019142	BANGALORE AMMONIA PRIVATE LIMITED	Director	13/11/1995	13/11/1995	-	Active	NO
2	U55101KA2006PTC039224	Twenty Four Seven Hospitality Private Limited	Director	03/05/2006	03/05/2006	-	Active	NO
3	U24111KA1977PTC003215	MYSORE AMMONIA PRIVATE LIMITED	Director	28/04/2009	28/04/2009	-	Active	NO
4	AAC-6977	PRAJAI CYLINDERS LLP	Designated Partner	11/09/2014	11/09/2014	-	Active	NO

KEY EXECUTIVES

Name :	Mr. S. Banerjee
Designation :	Export Manager

MAJOR SHAREHOLDERS

As on 26.09.2013

Names of Shareholders		No. of Shares
Manoharlal Jamanadas Chabria		576
Maniben Prahaladrai		192
Prahaladrai Jamanadas Chabria		192
Rashmi Sanddep Chabria		38
Nandini Nitin Chabria		83
Naina Manoharlal		25
Shakuntala Bellani		50
Nitin Manoharlal		458
Archana Chabria		20
Indu M. Chabria		191
Sandeep P. Chabria		175
Total		2000

Equity Share Break up (Percentage of Total Equity)

As on 26.09.2013

Category	Percentage
Directors or relatives of Directors	100.00
Total	100.00

BUSINESS DETAILS

Line of Business :	To manufacture, produce, buy, sell, dispose and deal in Gas especially ammonia and other gases in all their forms.

Products :	Gas

Brand Names :	--

Agencies Held :	--

Exports :	Not Divulged

Imports :	Not Divulged

Terms :
Selling :	Not Divulged

Purchasing :	Not Divulged

PRODUCTION STATUS – NOT AVAILABLE

GENERAL INFORMATION

Suppliers :

Not Divulged

Customers :

Not Divulged

No. of Employees :

Information denied by management

Bankers :

Citi Bank N.A., Trent House, 2nd Floor, G Block, Plot No. C 60, Bandra Kurla Complex, Bandra (East), Mumbai - 400051, Maharashtra, India
Indian Overseas Bank, New Marine Lives, Mumbai, Maharashtra, India

Facilities :

SECURED LOANS	31.03.2013 Rs. In Millions	31.03.2012 Rs. In Millions
LONG TERM BORROWINGS
Term Loans From Bank
HDFC Car Loan Account	0.765	1.257
Car loan from Punjab National Bank	0.000	0.086
Vehicle loan from IndusInd Bank	0.576	0.000
Loan From Others
Car loan from BMW Financial Service	1.969	0.000
SHORT TERM BORROWINGS
Loans repayable on demand from banks
Demand Loan - Punjab National Bank	0.000	4.081
Citi Bank Bill Discount Account	6.319	2.498
Citi Bank Over Draft	14.672	8.034
Total	24.301	15.956

Notes:

Long Term Borrowings

The above Secured term loans are secured by hypothecation of vehicles purchased out of such loans
Term loan from banks, financial institution and others are re-payable in monthly instalments / EM1 over the period of the loan
There are no defaults / continuing defaults in repayment of principal amount of loan or payment of interest as on the balance sheet date.

Short Term Borrowings

Citi Bank Bill Discount Account is secured against Export Bills
Citi Bank Overdraft Account is secured against the Book Debts of the Company.
Of the above Citi Bank loans, the Directors guarantee –

Upto Rs.10.000 Millions or Export Bills Discounted;

Upto Rs. 10.000 Millions for Local Bills Discounted; and

Upto Rs.5.000 Millions for SME loan.

There are no defaults / continuing defaults in repayment of principal amount of loan or payment of interest as on the balance sheet date.


Auditors :
Name :	Rao and Swami Chartered Accountants
Address :	2/1 Connaught Road, Bangalore – 560052, Karnataka, India
PAN No.:	AABFR4904P

Memberships :	--

Collaborators :	--

Enterprises Under Control :	Bangalore Ammonia Private Limited Mysore Ammonia Supply Corporation Liquefied Gas Transportation Private Limited Indus Ammonia Chemicals Private Limited Manoharlal and Company Jamandas and Madhavadas Dec Engineering Private Limited Sandeep Associates Lanka Ammonia Private Limited

CAPITAL STRUCTURE

As on 26.09.2013

Authorised Capital :

No. of Shares	Type	Value	Amount

2000	Equity Shares	Rs.100/- each	Rs.0.200 Million

Issued, Subscribed & Paid-up Capital :

No. of Shares	Type	Value	Amount

2000	Equity Shares	Rs.100/- each	Rs.0.200 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	0.200	0.200	0.200
(b) Reserves & Surplus	67.247	51.755	47.113
(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)	67.447	51.955	47.313

(3) Non-Current Liabilities
(a) long-term borrowings	3.824	3.851	4.178
(b) Deferred tax liabilities (Net)	0.088	0.760	0.512
(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)	3.912	4.611	4.690

(4) Current Liabilities
(a) Short term borrowings	25.491	15.188	0.571
(b) Trade payables	11.178	8.888	11.781
(c) Other current liabilities	23.796	22.805	23.564
(d) Short-term provisions	10.860	12.978	14.489
Total Current Liabilities (4)	71.325	59.859	50.405

TOTAL	142.684	116.425	102.408

II. ASSETS
(1) Non-current assets
(a) Fixed Assets
(i) Tangible assets	13.972	12.385	13.722
(ii) Intangible Assets	0.000	0.000	0.000
(iii) Capital work-in-progress	0.350	0.143	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	6.380	6.617	6.764
(e) Other Non-current assets	0.000	0.000	0.000
Total Non-Current Assets	20.702	19.145	20.486

(2) Current assets
(a) Current investments	0.000	0.000	0.000
(b) Inventories	6.476	2.918	3.686
(c) Trade receivables	79.386	56.213	48.906
(d) Cash and cash equivalents	6.289	12.573	11.500
(e) Short-term loans and advances	3.637	3.220	2.510
(f) Other current assets	26.194	22.356	15.320
Total Current Assets	121.982	97.280	81.922

TOTAL	142.684	116.425	102.408

PROFIT & LOSS ACCOUNT

	PARTICULARS		31.03.2013	31.03.2012	31.03.2011

	TOTAL INCOME		NA	NA	NA

	EXPENSES		NA	NA	NA

	PROFIT/(LOSS) BEFORE TAX, DEPRECIATION AND AMORTISATION		26.657	12.689	22.697

Less	DEPRECIATION/ AMORTISATION		3.786	4.228	4.683

	PROFIT/(LOSS) BEFORE TAX		22.871	8.461	18.014

Less	TAX		7.365	3.820	7.512

	PROFIT/(LOSS) AFTER TAX		15.506	4.641	10.502

Add	PREVIOUS YEARS’ BALANCE BROUGHT FORWARD		48.818	44.176	32.266

Add	EXCESS PROVISION FOR EARLIER TAX		0.000	0.000	1.408

	BALANCE CARRIED TO THE B/S		64.324	48.818	44.176

	EARNINGS IN FOREIGN CURRENCY
		Export Earnings	97.519	55.271	55.657
	TOTAL EARNINGS		97.519	55.271	55.657

	Earnings / (Loss) Per Share (Rs.)		7745.91	2320.67	5954.82

KEY RATIOS

PARTICULARS		31.03.2013	31.03.2012	31.03.2011
Return on Total Assets (PBT/Total Assets}	(%)	16.07	7.28	17.59

Return on Investment (ROI) (PBT/Networth)		0.34	0.16	0.38

Debt Equity Ratio (Total Debt /Networth)		0.43	0.37	0.10

Current Ratio (Current Asset/Current Liability)		1.71	1.63	1.63

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	0.200	0.200	0.200
Reserves & Surplus	47.113	51.755	67.247
Money received against share warrants	0.000	0.000	0.000
Share Application money pending allotment	0.000	0.000	0.000
Net worth	47.313	51.955	67.447

Long Term borrowings	4.178	3.851	3.824
Short Term borrowings	0.571	15.188	25.491
Total borrowings	4.749	19.039	29.315
Debt/Equity ratio	0.100	0.366	0.435

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	Yes
10]	Designation of contact person	Yes
11]	Turnover of firm for last three years	No
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	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 LOANS:

Particulars	31.03.2013 Rs. In Millions	31.03.2012 Rs. In Millions
LONG TERM BORROWINGS
Term Loans From Banks
HDFC Business Loan A/c	0.000	0.115
Standard Chartered Bank Business Loan A/c	0.000	0.371
Term Loan From Others
Religere Finevest Limited	0.000	0.609
Tata Capital Limited	0.514	1.413
SHORT TERM BORROWINGS
Loans repayable on demand from others
Bills Discounted	3.000	0.575
From Related Party - Rashmi Chabria	1.500	0.000
Total	5.014	3.083

INDEX OF CHARGE:

Sr. No.	Charge ID	Date of Charge Creation/Modification	Charge amount secured	Charge Holder	Address	Service Request Number (SRN)
1	10302283	20/09/2012 *	30,000,000.00	Citi Bank N.A.	Trent House, 2nd Floor, G Block, Plot No.C60, Bandra Kurla Complex, Bandra (E), Mumbai, Maharashtra - 400051, India	B61312351
2	90372747	14/06/1988	263,500.00	Canara Bank	Town Hall Branch, Bangalore, Karnataka, India	-

*Date of modification Charges

FIXED ASSETS:

· Land

· Building

· Plant and Machinery

· Computer

· Vehicles

· Furniture and Fixture

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.61.70
UK Pound	1	Rs.63.41
Euro	1	Rs.71.33

INFORMATION DETAILS

Information Gathered by :	NYA

Analysis Done by :	RAS

Report Prepared by :	VNT

SCORE & RATING EXPLANATIONS

SCORE FACTORS	RANGE	POINTS
HISTORY	1~10	6
PAID-UP CAPITAL	1~10	5
OPERATING SCALE	1~10	5
FINANCIAL CONDITION
--BUSINESS SCALE	1~10	5
--PROFITABILITY	1~10	6
--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	NO
--AFFILIATION	YES/NO	YES
--LISTED	YES/NO	NO
--OTHER MERIT FACTORS	YES/NO	YES
DEFAULTER
--RBI	YES/NO	NO
--EPF	YES/NO	NO

TOTAL		47

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

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