MIRA INFORM REPORT

Report No. :	323448
Report Date :	21.05.2015

IDENTIFICATION DETAILS

Name :	USHDEV STEEL PRIVATE LIMITED (w.e.f 05.12.2014)

Formerly Known As :	MAA JAI JYOTI WALI STEEL PRIVATE

Registered Office :	6^TH Floor, New Harileela House Mint Road, Fort, Mumbai – 400001, Maharashtra
Tel. No.:	91-22-61948888/66368888

Country :	India

Financials (as on) :	31.03.2014

Date of Incorporation :	10.11.2009

Com. Reg. No.:	11-196995

Capital Investment / Paid-up Capital :	Rs. 0.100 Million

CIN No.: [Company Identification No.]	U27101MH2009PTC196995

TAN No.: [Tax Deduction & Collection Account No.]	MUMM37676C

PAN No.: [Permanent Account No.]	AAGCM2419N

Legal Form :	Private Limited Liability Company

Line of Business :	Manufacturers, Processors, Moulders, Producers, Fabricators in iron and steel cating, special steel casting, ferrous and non- Ferrous metal product.

No. of Employees :	Information denied by the management

RATING & COMMENTS

MIRA’s Rating :

Ca (12)

RATING		STATUS	PROPOSED CREDIT LINE
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

Status :	Moderate

Payment Behaviour :	Slow

Litigation :	Clear

Comments :	Subject is an established company having moderate track. The company has huge accumulated losses which have eroded the net worth of the company. Profitability of the company is under pressure. The company’s heavy reliance on short term borrowing may deteriorate its liquidity profile in the future. However, Business is active as per registrar of companies. Payment terms are slow. In the view of aforesaid, subject can be considered for business dealings on safe and secured 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 – March 31, 2015

Country Name

Previous Rating

(31.12.2014)

Current Rating

(31.03.2015)

India

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 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 :	Ms. Deepali
Designation :	Finance Department
Contact No.:	91-22-61948888/66368888
Date :	18.05.2015

LOCATIONS

Registered Office :	6^TH Floor, New Harileela House Mint Road, Fort, Mumbai – 400001, Maharashtra
Tel. No.:	Not Available
Fax No.:	Not Available
E-Mail :	ushdec@vsnl.com

DIRECTORS

As on 05.09.2014

Name :

Mr. Arvind Lakhansi Prasad

Designation :

Director

Address :

Old No 72/1/14 New No. Waterford Apartment Flat No.59, East Coast Road, Thiruvanmiyur, Chennai - 600041, Tamilnadu, India

Date of Birth/Age :

13.12.1959

Date of Appointment :

31.80.2013

DIN No.:

01654899

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	U40102TN2007PTC063507	CONTINUUM WIND ENERGY (INDIA) PRIVATE LIMITED	Director	29/09/2008	01/08/2007	23/03/2010	Active	NO
2	U40105HR2009PTC038901	ACME Solar Technologies (Gujarat) Private Limited	Additional director	14/07/2010	14/07/2010	28/09/2010	Active	NO
3	U40300HR2009PTC038900	ACME Solar Energy (Madhya Pradesh) Private Limited	Additional director	14/07/2010	14/07/2010	28/09/2010	Active	NO
4	U40106RJ2010PTC031977	ACME Jaipur Solar Power Private Limited	Additional director	14/07/2010	14/07/2010	28/09/2010	Active	NO
5	U40104HR2009PTC039681	ACME Jaisalmer Solar Power Private Limited	Additional director	14/07/2010	14/07/2010	28/09/2010	Active	NO
6	U40108HR2009PTC039102	ACME Odisha Solar Power Private Limited	Additional director	14/07/2010	14/07/2010	28/09/2010	Active	NO
7	U40300HR2007PTC036826	ACME Jodhpur Solar Power Private Limited	Additional director	14/07/2010	14/07/2010	28/09/2010	Active	NO
8	U40105TN2010PTC090229	Ushdev Power Holdings Private Limited	Nominee director	01/10/2013	04/10/2010	-	Active	NO
9	U40101TN2011PTC097288	Hurricane Windfarms Private Limited	Director	09/02/2011	09/02/2011	-	Active	NO
10	U40103MH2011PTC213281	Typhoon Windfarms Private Limited	Director	10/02/2011	10/02/2011	-	Active	NO
11	U29999TN2001PLC097292	USHDEV ENGITECH LIMITED	Additional director	26/07/2012	26/07/2012	12/10/2012	Active	NO
12	L40102MH1994PLC078468	USHDEV INTERNATIONAL LIMITED	Managing director	31/08/2013	01/12/2012	-	Active	NO
13	U27101MH2009PTC196995	Ushdev Steel Private Limited	Director	31/08/2013	22/04/2013	12/02/2015	Active	NO
14	U40300MH2013PLC246427	Ushdev Wind Power Limited	Director	30/07/2013	30/07/2013	-	Active	NO
15	U70100MH2012PTC230052	Hobli Property Management Private Limited	Director	05/09/2014	17/10/2013	-	Active	NO
16	U45205MH2014PTC260004	Portman Properties Private Limited	Director	05/12/2014	05/12/2014	-	Active	NO
17	U27100MH2014PTC260391	Ushdev Metals and Minerals Private Limited	Director	24/12/2014	24/12/2014	-	Active	NO

Name :

Mr. Ashwin Jugalkishore Rathi

Designation :

Director

Address :

C704, Prestiges Tower, NR Chief Justice Bungalow Bodakdev, Ahmedabad – 380054, Gujarat, India

Date of Birth/Age :

03.10.1966

Date of Appointment :

31.08.2013

DIN No.:

02955093

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	L40102MH1994PLC078468	USHDEV INTERNATIONAL LIMITED	Managing director	31/08/2013	29/01/2013	-	Active	NO
2	U27101MH2009PTC196995	Ushdev Steel Private Limited	Director	31/08/2013	22/04/2013	12/02/2015	Active	NO
3	U51109MH2009PTC195904	Ushdev Mercantile Private Limited	Director	04/11/2013	04/11/2013	-	Active	NO
4	U51109MH2010PTC199351	P G Mercantile Private Limited	Director	05/09/2014	09/01/2014	-	Active	NO
5	U45205MH2014PTC260004	Portman Properties Private Limited	Director	05/12/2014	05/12/2014	-	Active	NO
6	U27100MH2014PTC260391	Ushdev Metals and Minerals Private Limited	Director	24/12/2014	24/12/2014	-	Active	NO

Name :

Mrs. Sucheta Tanaji Jadhav

Designation :

Director

Address :

305 Sarnath Opposite Lokupwan Pawar nagar, Offpokhran Road – 2, Thane – 400601, Maharashtra

Date of Birth/Age :

27.03.1981

Date of Appointment :

05.09.2014

DIN No.:

05277599

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	U29999TN2001PLC097292	USHDEV ENGITECH LIMITED	Director	31/08/2013	26/07/2012	-	Active	NO
2	U40108TN2012PTC088549	Ushdev Engitech TN Private Limited	Director	16/11/2012	16/11/2012	-	Active	NO
3	U40300TN2012PTC088608	Ushdev Windpark Private Limited	Director	22/11/2012	22/11/2012	-	Active	NO
4	U40102TN2012PTC088742	Ushdev MG Windfarms Private Limited	Director	03/12/2012	03/12/2012	-	Active	NO
5	U27101MH2009PTC196995	Ushdev Steel Private Limited	Director	05/09/2014	09/01/2014	-	Active	NO

KEY EXECUTIVES

Name :	Ms. Deepali
Designation :	Finance Department

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

As on 05.09.2014

Names of Shareholders		No. of Shares

Ushdev International Limited Jointly with Prateek Vijay Gupta, India		500
Ushdev International Limited, India		500

Total		1000

Equity Share Break up (Percentage of Total Equity)

As on 05.09.2014

Category	Percentage
Bodies corporate	100.00

Total	100.00

BUSINESS DETAILS

Line of Business :

Manufacturers, Processors, Moulders, Producers, Fabricators in iron and steel cating, special steel casting, ferrous and non- Ferrous metal product.

Products :

Item Code No.	Product Description
9988	Manufacturers, Processors, Moulders, Producers, Fabricator in iron and steel cating, special steel casting ferrous and non- Ferrous metal product.

Brand Names :

Not Divulged

Agencies Held :

Not Divulged

Exports :

Not Divulged

Imports :

Not Divulged

Terms :

Not Divulged

PRODUCTION STATUS NOT AVAILABLE

GENERAL INFORMATION

Suppliers :

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

Customers :

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

No. of Employees :

Information denied by the management

Bankers :

Bank Name	Dombivli Nagari Sahakari Bank Limited
Branch	5/8, Sambhava Chambers, 1st Floor, Pm Road, Fort, Mumbai, Maharashtra - 400001, India
Person Name (With Designation)	Not Divulged
Contact Number	Not Divulged
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)	Not Divulged
Account Operation	Not Divulged
Remarks (If any)	Not Divulged

Facilities :

Secured Loan	31.03.2014 (Rs. in Million)	31.03.2013 (Rs. in Million)
Short-term borrowings
Loans repayable on demand from banks	193.071	0.000

Total	193.072	0.000


Auditors :
Name :	Prabhu Sumedha Sureshchandra Chartered Accountants
Address :	C/6 Sandeep Prabhu 201, Shivam Apartments, LJ Road, Mahim, Mumbai – 400016, Maharashtra, India
PAN N Income-tax PAN of auditor or auditor's firm :	AGQPP4276P

Memberships :	Not Available

Collaborators :	Not Available

Associates/Holding Company:	Ushdev International Limited, India

Fellow Subsidiaries:	Hobli Property Management Services Private Limited

Other Associates :	UIL Hongkong Limited UIL (Singapore) Pte Limited G G Trading Private Limited Montex Trading Private Limited P G Mercantile Private Limited Ushdev Commercial Services Limited Ushdev Mercantile Private Limited Ushdev Securities Limited. Ushdev Trade Limited. Enshrine Property Management Private Limited (formally known as Eastern India Coir Products Private Limited) Honest Trading Company N G Traders P G Traders Vijay Gupta (HUF)

CAPITAL STRUCTURE

After 05.09.2014

Authorised Capital : Rs. 40.000 Million

Issued, Subscribed & Paid-up Capital : Rs. 35.080 Million

As on 05.09.2014.03.2014

Authorised Capital :

No. of Shares	Type	Value	Amount

100,000	Equity Shares	Rs.100/- each	Rs. 10.000 Million

Issued, Subscribed & Paid-up Capital :

No. of Shares	Type	Value	Amount

1,000	Equity Shares	Rs.100/- each	Rs. 0.100 Million

FINANCIAL DATA

[all figures are in Rupees Million]

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	0.100	0.100	0.100
(b) Reserves & Surplus	(43.900)	(39.498)	(1.691)
(c) Money received against share warrants	0.000	0.000	0.000

(2) Share Application money pending allotment	47.290	0.000	0.000
Total Shareholders’ Funds (1) + (2)	3.490	(39.398)	(1.591)

(3) Non-Current Liabilities
(a) long-term borrowings	0.000	0.000	15.498
(b) Deferred tax liabilities (Net)	0.000	0.000	0.000
(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)	0.000	0.000	15.498

(4) Current Liabilities
(a) Short term borrowings	244.780	75.558	12.354
(b) Trade payables	0.000	4.600	0.026
(c) Other current liabilities	0.000	0.000	0.000
(d) Short-term provisions	0.019	0.366	0.016
Total Current Liabilities (4)	244.799	80.524	12.396

TOTAL	248.289	41.126	26.303

II. ASSETS
(1) Non-current assets
(a) Fixed Assets
(i) Tangible assets	35.807	35.807	24.793
(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	0.757	4.987	0.000
(e) Other Non-current assets			0.000
Total Non-Current Assets	36.564	40.794	24.793

(2) Current assets
(a) Current investments	0.000	0.000	0.000
(b) Inventories	0.000	0.000	0.000
(c) Trade receivables	116.385	0.000	0.000
(d) Cash and cash equivalents	44.109	0.015	0.079
(e) Short-term loans and advances	51.231	0.000	1.043
(f) Other current assets	0.000	0.317	0.388
Total Current Assets	211.725	0.332	1.510

TOTAL	248.289	41.126	26.303

PROFIT & LOSS ACCOUNT

	PARTICULARS	31.03.2014	31.03.2013	31.03.2012
	SALES
	Income	N.A	N.A	N.A
	Other Income	N.A	N.A	N.A
	TOTAL	N.A	N.A	N.A

Less	EXPENSES
	TOTAL	N.A	N.A	N.A

	PROFIT/ (LOSS) BEFORE INTEREST, TAX, DEPRECIATION AND AMORTISATION	N.A	N.A	N.A

	PROFIT/ (LOSS) BEFORE TAX	N.A	N.A	N.A

	PROFIT/ (LOSS) AFTER TAX	(4.401)	(37.808)	(0.135)

	Earnings / (Loss) Per Share (Rs.)	(440.07)	(3,780.79)	(1,35,524)

CURRENT MATURITIES OF LONG TERM DEBT DETAILS

Particulars

31.03.2014

31.03.2013

31.03.2012

Current Maturities of Long term debt

N.A

Cash generated from operations

N.A

KEY RATIOS

PARTICULARS	31.03.2014	31.03.2013	31.03.2012
Debt Equity Ratio (Total Debt /Networth)	70.14	(1.92)	(17.51)

Current Ratio (Current Asset/Current Liability)	0.86	0.00	0.12

FINANCIAL ANALYSIS

[all figures are in Rupees Million]

DEBT EQUITY RATIO

Particular	31.03.2012	31.03.2013	31.03.2014
	(Rs. In Million)	(Rs. In Million)	(Rs. In Million)
Share Capital	0.100	0.100	0.100
Reserves & Surplus	(1.691)	(39.498)	(43.900)
Money received against share warrants	0.000	0.000	0.000
Share Application money pending allotment	47.290	0.000	0.000
Net worth	45.699	(39.398)	(43.800)

long-term borrowings	15.498	0.000	0.000
Short term borrowings	12.354	75.558	244.780
Total borrowings	27.852	75.558	244.780
Debt/Equity ratio	0.609	(1.918)	(5.589)

LOCAL AGENCY FURTHER INFORMATION

Sr. No.	Check list by info agents	Available in Report (Yes/No)
1	Year of establishment	Yes
2	Constitution of the entity -Incorporation details	Yes
3	Locality of the entity	Yes
4	Premises details	No
5	Buyer visit details	--
6	Contact numbers	Yes
7	Name of the person contacted	Yes
8	Designation of contact person	Yes
9	Promoter’s background	Yes
10	Date of Birth of Proprietor / Partners / Directors	Yes
11	Pan Card No. of Proprietor / Partners	No
12	Voter Id Card No. of Proprietor / Partners	No
13	Type of business	Yes
14	Line of Business	No
15	Export/import details (if applicable)	No
16	No. of employees	No
17	Details of sister concerns	Yes
18	Major suppliers	No
19	Major customers	No
20	Banking Details	Yes
21	Banking facility details	No
22	Conduct of the banking account	--
23	Financials, if provided	Yes
24	Capital in the business	Yes
25	Last accounts filed at ROC, if applicable	Yes
26	Turnover of firm for last three years	Yes
27	Reasons for variation <> 20%	--
28	Estimation for coming financial year	No
29	Profitability for last three years	Yes
30	Major shareholders, if available	Yes
31	External Agency Rating, if available	No
32	Litigations that the firm/promoter involved in	--
33	Market information	--
34	Payments terms	No
35	Negative Reporting by Auditors in the Annual Report	No

NOTE: Registered office of the company has been shifted from to the present address 331, Nay Vyapar Bhawan, 49, P.D Mello Road Carnac Bunnder, Mumbai – 400009, Maharashtra, India w.e.f. 23.04.2013

UNSECURED LOAN

PARTICULAR	31.03.2014 (Rs. in Million)	31.03.2013 (Rs. in Million)
Short-term borrowings
Loans and Advances from others	51.708	75.558

Total	51.708	75.558

INDEX OF CHARGES

S.No.	Charge ID	Date of Charge Creation/Modification	Charge amount secured	Charge Holder	Address	Service Request Number (SRN)
1	10491348	24/03/2014	200,000,000.00	DOMBIVLI NAGARI SAHAKARI BANK LTD	5/8, SAMBHAVA CHAMBERS, 1ST FLOOR,, PM ROAD, FORT , MUMBAI, Maharashtra - 400001, INDIA	C04065074

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.63.86
UK Pound	1	Rs.98.88
Euro	1	Rs.70.73

INFORMATION DETAILS

Information Gathered by :	SUP

Analysis Done by :	SUM

Report Prepared by :	RKI

SCORE & RATING EXPLANATIONS

SCORE FACTORS	RANGE	POINTS
HISTORY	1~10	3
PAID-UP CAPITAL	1~10	2
OPERATING SCALE	1~10	1
FINANCIAL CONDITION
--BUSINESS SCALE	1~10	1
--PROFITABILITY	1~10	1
--LIQUIDITY	1~10	1
--LEVERAGE	1~10	1
--RESERVES	1~10	1
--CREDIT LINES	1~10	1
--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		12

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

INDEX OF CHARGES

Unit