MIRA INFORM REPORT
|
Report No. : |
324123 |
|
Report Date : |
25.05.2015 |
IDENTIFICATION DETAILS
|
Name : |
NAVNIDHI STEEL AND ENGINEERING COMPANY PRIVATE LIMITED |
|
|
|
|
Registered
Office : |
Shop No.1, Lehri Mansion, 236/240, S.V.P. Road, Mumbai – 400 004,
Maharashtra |
|
Tel. No.: |
91-22-67496081 |
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|
Country : |
India |
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Financials (as
on) : |
31.03.2014 |
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Date of
Incorporation : |
22.03.2006 |
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Com. Reg. No.: |
11-160632 |
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Capital
Investment / Paid-up Capital : |
Rs. 12.250 Million |
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|
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CIN No.: [Company Identification
No.] |
U27100MH2006PTC160632 |
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|
|
|
IEC No.: |
0306033381 |
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|
|
TIN No.: |
27780531273 |
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|
|
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TAN No.: [Tax Deduction &
Collection Account No.] |
MUMN13568C |
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|
|
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PAN No.: [Permanent Account No.] |
AACCN2748R |
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|
Legal Form : |
Private Limited Liability Company |
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Line of Business
: |
Subject
is engaged in trading and supply of ferrous and non-ferrous metals. |
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|
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|
No. of Employees
: |
15 (Approximately) |
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 |
|
Status : |
Satisfactory |
|
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|
|
Payment Behaviour : |
Slow but correct |
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Litigation : |
Clear |
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Comments : |
Subject is an established company having satisfactory track record. Profitability of the company appears to be low. However, General
financial position of the company seems to be decent. Trade relations are fair. Business is active. Payment terms are reported
to be slow but correct. The company can be considered for business dealing 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.
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 PARTED BY
|
Name : |
Mr. Devendra Bavkar |
|
Designation : |
Account Assistant |
|
Contact No.: |
91-22-67496081 |
|
Date : |
23.05.2015 |
LOCATIONS
|
Registered Office : |
Shop No.1, Lehri Mansion, 236/240, S.V.P. Road, Mumbai – 400004,
Maharashtra, India |
|
Tel. No.: |
91-22-67496081/ 67496082/ 67496083/ 23890122/ 23866795/ 66109393 |
|
Mobile No.: |
91-9819814006 (Mr. Hemantkumar Hastimal Jain) |
|
Fax No.: |
91-22-23890122 |
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E-Mail : |
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|
Website: |
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|
Location : |
Owned |
|
|
|
|
Warehouse : |
Plot No.1266, Road No.14, Steel Market, Kalamboli, Navi Mumbai –
410218, Maharashtra, India |
DIRECTORS
As on 30.09.2014
|
Name : |
Mr. Vikram Hastimal Jain |
|
Designation : |
Director |
|
Address : |
Flat No.1504, ‘A’ Wing, |
|
Date of Birth/Age : |
25.10.1980 |
|
Qualification : |
B. Com |
|
Experience : |
14 Years |
|
Date of Appointment : |
22.03.2006 |
|
DIN No.: |
01200061 |
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PAN No.: |
ACRPJ5206G |
|
|
|
|
Name : |
Mr. Hemantkumar Hastimal Jain |
|
Designation : |
Director |
|
Address : |
Flat No.1504, ‘A’ Wing, |
|
Date of Birth/Age : |
01.04.1985 |
|
Qualification : |
B. Com |
|
Experience : |
7 Years |
|
Date of Appointment : |
02.11.2009 |
|
DIN No.: |
02624316 |
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PAN No.: |
AFLPJ1737K |
|
|
|
|
Name : |
Mr. Hastimal Malaji Jain |
|
Designation : |
Director |
|
Address : |
Flat No.1503, 15th Floor, Pratiksha Tower,, A-Wing, R.S.Nimkar Marg, Mumbai- 400008, Maharashtra, India |
|
Date of Birth/Age : |
20.02.1949 |
|
Date of Appointment : |
10.03.2014 |
|
DIN No.: |
01102554 |
KEY EXECUTIVES
|
Name : |
Mr. Devendra Bavkar |
|
Designation : |
Account Assistant |
MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN
As on 30.09.2014
|
Names of Shareholders |
No. of Shares |
% of Holding |
|
Hastimal Malaji Jain |
90000 |
7.35 |
|
Vikram Hastimal Jain |
640000 |
52.24 |
|
Hemant H. Jain |
90000 |
7.35 |
|
Suaben H. Jain |
90000 |
7.35 |
|
Sadhana V. Jain |
90000 |
7.35 |
|
Avance Technologies Limited, India |
225000 |
18.37 |
|
Total |
1225000 |
100.00 |
Equity Share Break up (Percentage of Total Equity)
As on 30.09.2014
|
Category |
Percentage |
|
Bodies corporate |
18.37 |
|
Directors or relatives of Directors |
81.63 |
|
Total |
100.00 |
BUSINESS DETAILS
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Line of Business : |
Subject
is engaged in trading and supply of ferrous and non-ferrous metals. |
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Products : |
Not Available |
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Brand Names : |
Not Available |
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Agencies Held : |
Not Available |
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Exports : |
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Products : |
Finished Goods |
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Countries : |
Sweden |
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Imports : |
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Products : |
Raw Materials |
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Countries : |
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Terms : |
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Selling : |
Cash / L/C / Credit |
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Purchasing : |
Cash / L/C / Credit |
PRODUCTION STATUS NOT AVAILABLE
GENERAL INFORMATION
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Suppliers : |
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Customers : |
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No. of Employees : |
15 (Approximately) |
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Bankers : |
HDFC Bank Limited,
HDFC Bank House, Senapati Bapat Marg, Lower Parel (West), Mumbai – 400 013,
Maharashtra, India |
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Facilities : |
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Auditors : |
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Name : |
D.C. Bothra and Company Chartered Accountants |
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Address : |
297, Willie Mansion, Tardeo Road, Nana Chowk, Mumbai – 400 007,
Maharashtra, India |
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PAN N Income-tax PAN of auditor or auditor's firm : |
AACFD4645G |
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Memberships : |
Not Available |
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Collaborators : |
Not Available |
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Enterprises which
are owned, or have significant influence of or are partners with Key
management personnel and their relatives : |
|
CAPITAL STRUCTURE
As on 30.09.2014
Authorised Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
|
|
|
|
|
1,250,000 |
Equity Shares |
Rs.10/- each |
Rs.12.500 Million |
|
|
|
|
|
Issued, Subscribed & Paid-up Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
|
|
|
|
|
1,225,000 |
Equity Shares |
Rs.10/- each |
Rs.12.250
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 |
12.250 |
12.250 |
12.250 |
|
(b) Reserves & Surplus |
109.951 |
104.268 |
99.032 |
|
(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) |
122.201 |
116.518 |
111.282 |
|
|
|
|
|
|
(3) Non-Current Liabilities |
|
|
|
|
(a) long-term borrowings |
92.956 |
87.782 |
72.783 |
|
(b) Deferred tax liabilities
(Net) |
0.000 |
0.000 |
0.000 |
|
(c) Other long term
liabilities |
0.000 |
0.156 |
1.417 |
|
(d) long-term provisions |
0.000 |
0.000 |
0.000 |
|
Total
Non-current Liabilities (3) |
92.956 |
87.938 |
74.200 |
|
|
|
|
|
|
(4) Current Liabilities |
|
|
|
|
(a) Short term borrowings |
155.180 |
117.396 |
173.193 |
|
(b) Trade payables |
57.711 |
80.792 |
100.592 |
|
(c) Other current liabilities |
7.793 |
16.913 |
9.945 |
|
(d) Short-term provisions |
1.433 |
1.437 |
7.152 |
|
Total
Current Liabilities (4) |
222.117 |
216.538 |
290.882 |
|
|
|
|
|
|
TOTAL |
437.274 |
420.994 |
476.364 |
|
|
|
|
|
|
II.
ASSETS |
|
|
|
|
(1) Non-current assets |
|
|
|
|
(a) Fixed Assets |
|
|
|
|
(i) Tangible assets |
2.123 |
2.867 |
3.700 |
|
(ii) Intangible Assets |
1.773 |
1.461 |
0.000 |
|
(iii) Capital work-in-progress |
0.000 |
0.000 |
0.918 |
|
(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 |
1.448 |
6.868 |
12.542 |
|
(e) Other Non-current assets |
27.546 |
26.899 |
98.613 |
|
Total
Non-Current Assets |
32.890 |
38.095 |
115.773 |
|
|
|
|
|
|
(2) Current assets |
|
|
|
|
(a) Current investments |
0.000 |
0.000 |
0.000 |
|
(b) Inventories |
97.443 |
91.846 |
97.010 |
|
(c) Trade receivables |
244.996 |
233.004 |
208.466 |
|
(d) Cash and cash equivalents |
17.603 |
18.193 |
4.908 |
|
(e) Short-term loans and
advances |
44.342 |
39.856 |
50.207 |
|
(f) Other current assets |
0.000 |
0.000 |
0.000 |
|
Total
Current Assets |
404.384 |
382.899 |
360.591 |
|
|
|
|
|
|
TOTAL |
437.274 |
420.994 |
476.364 |
PROFIT & LOSS
ACCOUNT
|
|
PARTICULARS |
31.03.2014 |
31.03.2013 |
31.03.2012 |
|
|
SALES |
|
|
|
|
|
Revenue from operations |
991.110 |
1010.634 |
1212.917 |
|
|
Other Income |
3.121 |
5.208 |
3.639 |
|
|
TOTAL
|
994.231 |
1015.842 |
1216.556 |
|
|
|
|
|
|
|
Less |
EXPENSES |
|
|
|
|
|
TOTAL
|
985.903 |
1005.832 |
1207.397 |
|
|
|
|
|
|
|
|
PROFIT
/ (LOSS) BEFORE TAX, DEPRECIATION AND AMORTISATION/ EXCEPTIONAL ITEMS |
8.328 |
10.010 |
9.159 |
|
|
|
|
|
|
|
Add |
EXCEPTIONAL ITEM |
2.263 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
PROFIT/ (LOSS)
BEFORE TAX |
10.591 |
10.010 |
9.159 |
|
|
|
|
|
|
|
Less |
TAX |
3.475 |
3.350 |
3.042 |
|
|
|
|
|
|
|
|
PROFIT/ (LOSS)
AFTER TAX |
7.116 |
6.660 |
6.117 |
|
|
|
|
|
|
|
Less |
APPROPRIATIONS |
|
|
|
|
|
Transfer to General Reserve |
5.000 |
5.000 |
7.500 |
|
|
Proposed Dividend |
1.701 |
1.018 |
0.782 |
|
|
Total
(M) |
6.701 |
6.018 |
8.282 |
|
|
|
|
|
|
|
|
IMPORTS ON CIF
BASIS |
54.563 |
558.878 |
527.481 |
|
|
|
|
|
|
|
|
Earnings
/ (Loss) Per Share (Rs.) |
2.84 |
2.73 |
2.48 |
|
Particulars |
|
|
31.03.2015 |
|
Sales Turnover (Approximately) |
|
|
1380.000 |
Expected Sales (2015-2016) : Rs. 1500.000 Million
The above information has been parted by Mr. Devendra Bavkar (Account
Assistant)
CURRENT MATURITIES
OF LONG TERM DEBT DETAILS
|
Particulars |
31.03.2014 |
31.03.2013 |
31.03.2012 |
|
Current Maturities of Long term debt |
NA |
0.506 |
3.466 |
|
Cash generated from operations |
NA |
NA |
NA |
KEY RATIOS
|
PARTICULARS |
|
31.03.2014 |
31.03.2013 |
31.03.2012 |
|
Net Profit Margin (PAT / Sales) |
(%) |
0.72 |
0.66 |
0.50 |
|
|
|
|
|
|
|
Operating Profit Margin (PBIDT/Sales) |
(%) |
0.84 |
0.99 |
0.76 |
|
|
|
|
|
|
|
Return on Total Assets (PBT/Total Assets} |
(%) |
2.42 |
2.38 |
1.93 |
|
|
|
|
|
|
|
Return on Investment (ROI) (PBT/Networth) |
|
0.09 |
0.09 |
0.08 |
|
|
|
|
|
|
|
Debt Equity Ratio (Total Debt /Networth) |
|
2.03 |
1.76 |
2.21 |
|
|
|
|
|
|
|
Current Ratio (Current Asset/Current Liability) |
|
1.82 |
1.77 |
1.24 |
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 |
12.250 |
12.250 |
12.250 |
|
Reserves & Surplus |
99.032 |
104.268 |
109.951 |
|
Net
worth |
111.282 |
116.518 |
122.201 |
|
|
|
|
|
|
long-term borrowings |
72.783 |
87.782 |
92.956 |
|
Short term borrowings |
173.193 |
117.396 |
155.180 |
|
Total
borrowings |
245.976 |
205.178 |
248.136 |
|
Debt/Equity
ratio |
2.210 |
1.761 |
2.031 |
YEAR-ON-YEAR GROWTH
|
Year
on Year Growth |
31.03.2012 |
31.03.2013 |
31.03.2014 |
|
|
(Rs.
In Million) |
(Rs.
In Million) |
(Rs.
In Million) |
|
Revenue from operations |
1212.917 |
1010.634 |
991.110 |
|
|
|
(16.677) |
(1.932) |
NET PROFIT MARGIN
|
Net
Profit Margin |
31.03.2012 |
31.03.2013 |
31.03.2014 |
|
|
(Rs.
In Million) |
(Rs.
In Million) |
(Rs.
In Million) |
|
Revenue from operations |
1212.917 |
1010.634 |
991.110 |
|
Profit |
6.117 |
6.660 |
7.116 |
|
|
0.50% |
0.66% |
0.72% |
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 |
Yes |
|
12 |
Voter Id Card No. of Proprietor / Partners |
No |
|
13 |
Type of business |
Yes |
|
14 |
Line of Business |
Yes |
|
15 |
Export/import details (if applicable) |
Yes |
|
16 |
No. of employees |
Yes |
|
17 |
Details of sister concerns |
Yes |
|
18 |
Major suppliers |
Yes |
|
19 |
Major customers |
Yes |
|
20 |
Banking Details |
Yes |
|
21 |
Banking facility details |
Yes |
|
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 four years |
Yes |
|
27 |
Reasons for variation <> 20% |
-- |
|
28 |
Estimation for coming financial year |
Yes |
|
29 |
Profitability for last four 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 |
Yes |
|
35 |
Negative Reporting by Auditors in the
Annual Report |
No |
UNSECURED LOAN
|
PARTICULARS |
31.03.2014 (Rs.
in Million) |
31.03.2013 (Rs.
in Million) |
|
Long-term
Borrowings |
|
|
|
Loans and advances from related parties |
92.356 |
84.399 |
|
Other loans and advances |
0.600 |
3.300 |
|
Total |
92.956 |
87.699 |
OPERATIONS
During the year, the company has achieved a turnover of Rs. 991.100 Million against Rs. 1010.600 Million in the previous year. Despite decline in turnover during the year, the board expects growth in turnover in future considering orders in hand and growing product demand in the domestic market for the core line of business.
INDEX
OF CHARGES
|
S.No. |
Charge ID |
Date of Charge Creation/Modification |
Charge amount secured |
Charge Holder |
Address |
Service Request Number (SRN) |
|
1 |
10111279 |
25/09/2012 * |
180,000,000.00 |
Standard Chartered Bank |
SME Credit, Crescenzo, 3A/F, Plot no. C-38 & 39, G Block,
Bandra Kurla Complex, Bandra East, Mumbai, Maharashtra - 400051, INDIA |
B59584367 |
FIXED ASSETS
·
Furniture and Fixtures
·
Vehicles
·
Office Equipment
·
Computer Equipment
CMT REPORT (Corruption, Money Laundering & Terrorism]
The Public Notice information has been collected from various sources
including but not limited to: The Courts,
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.63.57 |
|
|
1 |
Rs.99.67 |
|
Euro |
1 |
Rs.70.92 |
INFORMATION DETAILS
|
Information
Gathered by : |
DPA |
|
|
|
|
Analysis Done by
: |
RSM |
|
|
|
|
Report Prepared
by : |
JYTK |
SCORE & RATING EXPLANATIONS
|
SCORE FACTORS |
RANGE |
POINTS |
|
HISTORY |
1~10 |
5 |
|
PAID-UP CAPITAL |
1~10 |
6 |
|
OPERATING SCALE |
1~10 |
5 |
|
FINANCIAL
CONDITION |
|
|
|
--BUSINESS SCALE |
1~10 |
6 |
|
--PROFITABILITY |
1~10 |
3 |
|
--LIQUIDITY |
1~10 |
5 |
|
--LEVERAGE |
1~10 |
5 |
|
--RESERVES |
1~10 |
6 |
|
--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 |
|
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 |
-- |
This report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL)
or its officials.