MIRA INFORM REPORT
|
Report No. : |
348433 |
|
Report Date : |
05.11.2015 |
IDENTIFICATION DETAILS
|
Name : |
KANDLA POLYPLAST (INDIA) PRIVATE LIMITED (w.e.f. 27.02.1997) |
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Formerly Known
As : |
KHANDLA POLYPLAST ( |
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Registered
Office : |
301, 3rd Floor, 52, Kalina , Santacruz (East), Mumbai – 400029,
Maharashtra |
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Tel. No.: |
91-22-27630272 |
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Country : |
India |
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Financials (as
on) : |
31.03.2013 |
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Date of
Incorporation : |
27.02.1997 |
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Com. Reg. No.: |
11-106194 |
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Capital
Investment/ Paid-up Capital: |
Rs.0.500 Million |
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CIN No.: [Company Identification
No.] |
U25200MH1997PTC106194 |
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IEC No.: |
Not Available |
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TAN No.: [Tax Deduction & Collection
Account No.] |
MUMK017107C |
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PAN No.: [Permanent Account No.] |
Not Available |
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Legal Form : |
Private Limited Liability Company |
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Line of Business
: |
Manufacturer and Importing of Plastic Products. |
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No. of Employees: |
150 (Approximately) |
RATING & COMMENTS
|
MIRA’s Rating : |
B (26) |
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RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
26-40 |
B |
Capability to overcome financial difficulties seems comparatively
below average. |
Small |
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Status : |
Moderate |
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Payment Behaviour : |
Slow but correct |
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Litigation : |
Clear |
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Comments : |
Subject was incorporated on 27th February, 1997. It is engaged into business of manufacturing of plastic products. It has moderate 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 2013, profitability of the company seems to be low. However, trade relations are reported as fair. Business is active. Payment are reported to be slow but correct. The company can be considered normal for business dealings 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 – March 31, 2015
|
Country Name |
Previous Rating (31.12.2014) |
Current Rating (31.03.2015) |
|
India |
A1 |
A1 |
|
Risk Category |
ECGC Classification |
|
Insignificant |
A1 |
|
Low |
A2 |
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Moderate |
B1 |
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High |
B2 |
|
Very High |
C1 |
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Restricted |
C2 |
|
Off-credit |
D |
EXTERNAL AGENCY RATING
|
Rating Agency Name |
Not Available |
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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
31-03-2015.
INFORMATION PARTED BY
|
Name : |
Mr. Mustaq Hemani |
|
Designation : |
Director |
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Contact No.: |
91-9820043955 |
|
Date : |
04.11.2015 |
LOCATIONS
|
Registered Office : |
301, 3rd Floor, 52, Kalina , Santacruz (East), Mumbai – 400029,
Maharashtra, India |
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Tel. No.: |
91-22-27630272/ 26664286 |
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Mobile No.: |
91-9820043955 (Mr. Mustaq) |
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Fax No.: |
91-22-27630279/ 26664566 |
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E-Mail : |
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Website : |
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Area : |
800 Sq. ft |
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Location : |
Owned |
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|
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Factory : |
318-319, Marshalling Yard, Kandia Special Economic Zone, Kutch –
370201, Gujarat, India |
|
Area : |
1800 Sq. ft |
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Location : |
Owned |
DIRECTORS
As on 30.09.2013
|
Name : |
Mr. Mustaq Jafferali Hemani |
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Designation : |
Director |
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Address : |
52, Kalina, Santacruz (East), Mumbai – 400029, |
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Date of Birth/Age : |
16.11.1960 |
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Date of Appointment : |
27.02.1997 |
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DIN No : |
01936212 |
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Name : |
Mr. Subhashbhai Sevaram Bhavnani |
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Designation : |
Director |
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Address : |
3/6. |
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Date of Birth/Age : |
26.06.1936 |
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Date of Appointment : |
25.08.2005 |
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DIN No : |
02300942 |
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|
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Name : |
Mr. Ajay Rambiharilal Gupta |
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Designation : |
Director |
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Address : |
C-48, NU-4, Sapna Nagar, Gandhindham – 370201, |
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Date of Birth/Age : |
19.07.1964 |
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Date of Appointment : |
25.08.2005 |
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DIN no : |
00762644 |
MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN
As on 30.09.2013
|
Names of Shareholders |
No. of Shares |
%age
holding |
|
Mustaq Jafferali Hemani |
22500 |
45.00 |
|
Subhashbhai Sevaram Bhavnani |
22500 |
45.00 |
|
Ajay Rambiharilal Gupta |
5000 |
10.00 |
|
Total |
50000 |
100.00 |
%20PRIVATE%20LIMITED%20-%20348433%2005-Nov-2015_files/image001.gif)
Equity Share Break up (Percentage of Total Equity)
As on 30.09.2013
|
Category |
Percentage |
|
Directors or relatives of Directors |
100.00 |
|
Total |
100.00 |
BUSINESS DETAILS
|
Line of Business : |
Manufacturer and Importing of Plastic Products. |
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Products : |
Plastic Products |
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Brand Names : |
Not Divulged |
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Agencies Held : |
Not Divulged |
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Exports : |
Not Divulged |
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Imports : |
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Products : |
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Countries : |
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Terms : |
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Selling : |
Cash and Credit |
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Purchasing : |
Cash and Credit |
PRODUCTION STATUS NOT AVAILABLE
GENERAL INFORMATION
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Suppliers : |
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Customers : |
End Users
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No. of Employees : |
150 (Approximately) |
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Bankers : |
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Facilities : |
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Auditors : |
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Name : |
Javed Nathani Chartered Accountant |
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Address : |
12, Newlight, 62-B, Kalina, Santacruz (East), Mumbai – 400029, |
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Tel No : |
91-22-26668347 |
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91-9892616949 |
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E-Mail : |
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PAN N Income-tax PAN of auditor or auditor's firm : |
AABPN0035H |
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Memberships : |
-- |
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Collaborators : |
-- |
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Associates/Subsidiaries : |
-- |
CAPITAL STRUCTURE
As on 31.03.2013
Authorised Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
|
|
|
|
|
50000 |
Equity Share |
Rs.10/- each |
Rs.0.500 Million |
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Issued, Subscribed & Paid-up Capital :
|
No. of Shares |
Type |
Value |
Amount |
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|
|
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|
50000 |
Equity Share |
Rs.10/- each |
Rs.0.500
Million |
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FINANCIAL DATA
[all figures are
in Rupees Million]
ABRIDGED
BALANCE SHEET
|
SOURCES
OF FUNDS |
31.03.2013 |
31.03.2012 |
31.03.2011 |
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I.
EQUITY AND LIABILITIES |
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(1)Shareholders' Funds |
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(a) Share Capital |
0.500 |
0.500 |
0.500 |
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(b) Reserves & Surplus |
11.269 |
9.597 |
8.534 |
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(c) Money received against
share warrants |
0.000 |
0.000 |
0.000 |
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(2) Share Application money
pending allotment |
0.000 |
0.000 |
0.000 |
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Total
Shareholders’ Funds (1) + (2) |
11.769 |
10.097 |
9.034 |
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(3) Non-Current Liabilities |
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(a) long-term borrowings |
14.688 |
14.075 |
10.235 |
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(b) Deferred tax liabilities
(Net) |
0.876 |
0.871 |
0.854 |
|
(c) Other long term
liabilities |
0.000 |
0.000 |
0.000 |
|
(d) long-term provisions |
0.000 |
0.000 |
0.000 |
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Total
Non-current Liabilities (3) |
15.564 |
14.946 |
11.089 |
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(4) Current Liabilities |
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(a) Short term borrowings |
11.649 |
11.675 |
11.644 |
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(b) Trade payables |
13.650 |
9.596 |
18.454 |
|
(c) Other current liabilities |
17.031 |
15.812 |
9.702 |
|
(d) Short-term provisions |
0.846 |
0.529 |
0.346 |
|
Total
Current Liabilities (4) |
43.176 |
37.612 |
40.146 |
|
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|
|
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TOTAL |
70.509 |
62.655 |
60.269 |
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II.
ASSETS |
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(1) Non-current assets |
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(a) Fixed Assets |
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(i) Tangible assets |
7.516 |
7.400 |
6.443 |
|
(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 |
0.781 |
0.756 |
0.709 |
|
(e) Other Non-current assets |
0.000 |
0.000 |
0.000 |
|
Total
Non-Current Assets |
8.297 |
8.156 |
7.152 |
|
|
|
|
|
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(2) Current assets |
|
|
|
|
(a) Current investments |
0.000 |
0.000 |
0.000 |
|
(b) Inventories |
20.088 |
21.412 |
27.486 |
|
(c) Trade receivables |
33.033 |
23.644 |
23.511 |
|
(d) Cash and cash equivalents |
0.820 |
4.119 |
0.529 |
|
(e) Short-term loans and
advances |
8.271 |
5.324 |
1.591 |
|
(f) Other current assets |
0.000 |
0.000 |
0.000 |
|
Total
Current Assets |
62.212 |
54.499 |
53.117 |
|
|
|
|
|
|
TOTAL |
70.509 |
62.655 |
60.269 |
PROFIT
& LOSS ACCOUNT
|
|
PARTICULARS |
31.03.2013 |
31.03.2012 |
31.03.2011 |
|
|
SALES |
|
|
|
|
|
Income |
244.280 |
163.073 |
113.827 |
|
|
Other Income |
0.042 |
0.066 |
0.000 |
|
|
TOTAL
(A) |
244.322 |
163.139 |
113.827 |
|
|
|
|
|
|
|
Less |
EXPENSES |
|
|
|
|
|
Cost of Materials Consumed |
204.883 |
141.291 |
101.990 |
|
|
Changes in inventories of
finished goods, work-in-progress and Stock-in-Trade |
2.406 |
1.578 |
(2.739) |
|
|
Employees benefits expense |
2.338 |
1.656 |
1.317 |
|
|
Other expenses |
29.116 |
13.812 |
9.191 |
|
|
TOTAL
(B) |
238.743 |
158.337 |
109.759 |
|
|
|
|
|
|
|
Less |
PROFIT/
(LOSS) BEFORE INTEREST, TAX,
DEPRECIATION AND AMORTISATION (C) |
5.579 |
4.802 |
4.068 |
|
|
|
|
|
|
|
Less |
FINANCIAL
EXPENSES (D) |
2.293 |
2.575 |
2.475 |
|
|
|
|
|
|
|
|
PROFIT
/ (LOSS) BEFORE TAX, DEPRECIATION AND AMORTISATION (C-D) (E) |
3.286 |
2.227 |
1.593 |
|
|
|
|
|
|
|
Less/
Add |
DEPRECIATION/
AMORTISATION (F) |
0.762 |
0.620 |
0.514 |
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|
PROFIT/ (LOSS)
BEFORE TAX (E-F) (G) |
2.524 |
1.607 |
1.079 |
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|
|
|
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|
Less |
TAX (H) |
0.852 |
0.544 |
0.375 |
|
|
|
|
|
|
|
|
PROFIT/ (LOSS)
AFTER TAX (G-H) (I) |
1.672 |
1.063 |
0.704 |
|
|
|
|
|
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|
Add |
PREVIOUS
YEARS’ BALANCE BROUGHT FORWARD |
9.597 |
8.534 |
7.830 |
|
|
|
|
|
|
|
|
Balance
Carried to the B/S |
11.269 |
9.597 |
8.534 |
|
|
|
|
|
|
|
|
Earnings
/ (Loss) Per Share (Rs.) |
33.44 |
21.25 |
14.07 |
|
Particulars |
|
31.03.2014 |
31.03.2015 |
|
Sales Turnover (Approximately) |
|
300.000 |
380.000 |
Expected Sales (2014-2015): Rs.400.000 Million
The above information has been parted by Mr. Mustaq Hemani
CURRENT MATURITIES
OF LONG TERM DEBT DETAILS
|
Particulars |
31.03.2013 |
31.03.2012 |
31.03.2011 |
|
Current Maturities of Long term debt |
NA |
NA |
NA |
|
Cash generated from operations |
NA |
NA |
NA |
|
Net cash flows from (used in) operations |
NA |
NA |
NA |
KEY
RATIOS
|
PARTICULARS |
|
31.03.2013 |
31.03.2012 |
31.03.2011 |
|
Net Profit Margin (PAT / Sales) |
(%) |
0.68 |
0.65 |
0.62 |
|
|
|
|
|
|
|
Operating Profit Margin (PBIDT/Sales) |
(%) |
2.28 |
2.94 |
3.57 |
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|
|
|
Return on Total Assets (PBT/Total Assets} |
(%) |
3.58 |
2.56 |
1.79 |
|
|
|
|
|
|
|
Return on Investment (ROI) (PBT/Networth) |
|
0.21 |
0.16 |
0.12 |
|
|
|
|
|
|
|
Debt Equity Ratio (Total Debt /Networth) |
|
2.24 |
2.55 |
2.42 |
|
|
|
|
|
|
|
Current Ratio (Current Asset/Current Liability) |
|
1.44 |
1.45 |
1.32 |
FINANCIAL ANALYSIS
[all figures are
in Rupees Million]
DEBT EQUITY RATIO
|
Particular |
31.03.2011 |
31.03.2012 |
31.03.2013 |
|
|
(Rs.
In Million) |
(Rs.
In Million) |
(Rs.
In Million) |
|
Share Capital |
0.500 |
0.500 |
0.500 |
|
Reserves & Surplus |
8.534 |
9.597 |
11.269 |
|
Net
worth |
9.034 |
10.097 |
11.769 |
|
|
|
|
|
|
long-term borrowings |
10.235 |
14.075 |
14.688 |
|
Short term borrowings |
11.644 |
11.675 |
11.649 |
|
Total
borrowings |
21.879 |
25.750 |
26.337 |
|
Debt/Equity
ratio |
2.422 |
2.550 |
2.238 |
%20PRIVATE%20LIMITED%20-%20348433%2005-Nov-2015_files/image002.gif)
YEAR-ON-YEAR GROWTH
|
Year
on Year Growth |
31.03.2011 |
31.03.2012 |
31.03.2013 |
|
|
(Rs.
In Million) |
(Rs.
In Million) |
(Rs.
In Million) |
|
Sales |
113.827 |
163.073 |
244.280 |
|
|
|
43.264 |
49.798 |
%20PRIVATE%20LIMITED%20-%20348433%2005-Nov-2015_files/image003.gif)
NET PROFIT MARGIN
|
Net
Profit Margin |
31.03.2011 |
31.03.2012 |
31.03.2013 |
|
|
(Rs.
In Million) |
(Rs.
In Million) |
(Rs.
In Million) |
|
Sales |
113.827 |
163.073 |
244.280 |
|
Profit |
0.704 |
1.063 |
1.672 |
|
|
0.62% |
0.65% |
0.68% |
%20PRIVATE%20LIMITED%20-%20348433%2005-Nov-2015_files/image004.gif)
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 |
Yes |
|
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 |
Yes |
|
15 |
Export/import details (if applicable) |
Yes |
|
16 |
No. of employees |
No |
|
17 |
Details of sister concerns |
No |
|
18 |
Major suppliers |
No |
|
19 |
Major customers |
No |
|
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 five years |
Yes |
|
27 |
Reasons for variation <> 20% |
-- |
|
28 |
Estimation for coming financial year |
Yes |
|
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 |
Yes |
|
35 |
Negative Reporting by Auditors in the
Annual Report |
No |
OPERATIONS:
The company continued its manufacturing and
business operations during the year and earned a profit after tax during the
year to the extent of Rs.1.672 Million after which an amount of Rs.11.269
Million has been carried forward to the next year as a credit balance in the
Profit and Loss account.
UNSECURED LOAN
|
PARTICULARS |
31.03.2013 (Rs.
in Million) |
31.03.2012 (Rs.
in Million) |
|
Long-term
Borrowings |
|
|
|
Loans from directors |
13.741 |
12.337 |
|
Total |
13.741 |
12.337 |
INDEX
OF CHARGES
|
S.NO. |
CHARGE ID |
DATE OF CHARGE
CREATION/MODIFICATION |
CHARGE AMOUNT
SECURED |
CHARGE HOLDER |
ADDRESS |
SERVICE REQUEST
NUMBER (SRN) |
|
1 |
90146396 |
07/07/2011 * |
14,500,000.00 |
THE FEDERAL BANK LIMITED |
P.B.NO. 17387,A-8,LARAM CENTRE, S.V.ROAD,ANDHERI- |
B18320952 |
|
2 |
90145929 |
14/01/2003 * |
2,500,000.00 |
THE FEDERAL BANK LIMITED |
ANDHERI WEST BRANCH, LARAM CENTRE; S.V. ROAD; AND |
- |
* Date of charge modification
FIXED ASSETS:
- Plant and Machinery
- Tools and Fittings
- Computer
- Vehicles
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.63.20 |
|
|
1 |
Rs.91.01 |
|
Euro |
1 |
Rs.69.34 |
INFORMATION DETAILS
|
Information
Gathered by : |
KMT |
|
|
|
|
Analysis Done by
: |
RAS |
|
|
|
|
Report Prepared
by : |
KVT |
SCORE & RATING EXPLANATIONS
|
SCORE FACTORS |
RANGE |
POINTS |
|
HISTORY |
1~10 |
3 |
|
PAID-UP CAPITAL |
1~10 |
3 |
|
OPERATING SCALE |
1~10 |
3 |
|
FINANCIAL
CONDITION |
|
|
|
--BUSINESS SCALE |
1~10 |
3 |
|
--PROFITABILITY |
1~10 |
2 |
|
--LIQUIDITY |
1~10 |
3 |
|
--LEVERAGE |
1~10 |
3 |
|
--RESERVES |
1~10 |
3 |
|
--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 |
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 |
|
26 |
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.