MIRA INFORM REPORT

Report No. :	346804
Report Date :	26.10.2015

IDENTIFICATION DETAILS

Name :	VCN INDIA PRIVATE LIMITED

Registered Office :	House No. 2191, Sector 21-C, Chandigarh – 160021, India
Tel. No.:	91-172-4005976 / 4612191

Country :	India

Financials (as on) :	31.03.2014

Date of Incorporation :	29.05.2009

Com. Reg. No.:	53-031629

Capital Investment / Paid-up Capital :	Rs.2.650 Million

CIN No.: [Company Identification No.]	U93000CH2009PTC031629

IEC No.:	2210000921

CST No.: [Central Sales Tax No.]	03742064776C

VAT No.: [Value Added Tax Registration No.]	03742064776V

STR No.: [Service Tax Registration No.]	AADCV0178NSD001

TAN No.: [Tax Deduction & Collection Account No.]	PTLV11279C

PAN No.: [Permanent Account No.]	AADCV0178N

Legal Form :	Private Limited Liability Company

Line of Business :	Manufacturer, Supplier, Importer and Exporter of Crop Fertilizers and Bio stimulants.

No. of Employees :	Information declined by the management

RATING & COMMENTS

MIRA’s Rating :

B (29)

RATING		STATUS	PROPOSED CREDIT LINE
26-40	B	Capability to overcome financial difficulties seems comparatively below average.	Small

Maximum Credit Limit :	USD 14000

Status :	Moderate

Payment Behaviour :	Slow but correct

Litigation :	Clear

Comments :	Subject was incorporated in the year 2009. It is a manufacturer, supplier and importer of crop Fertilizers and bio stimulants. For the FY 2014, the company has achieved sales turnover of Rs. 64.750 Million marked by adequate profitability margin. However, the company possesses modest net worth base marked by relatively high debt level and low cash accruals. Trade relations are fair. Business is active. Payments are slow but correct. The company can be considered for business dealings with some caution.

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 31-03-2015.

INFORMATION DECLINED

Management Non-Cooperative

LOCATIONS

Registered Office :	House No. 2191, Sector 21-C, Chandigarh – 160021, India
Tel. No.:	91-172-4005976 / 4612191
Fax No.:	91-172-4612191
E-Mail :	randhwads@yahoo.com

DIRECTORS

As on 30.09.2014

Name :

Mr. Gurinder Pal Singh

Designation :

Director

Address :

House No 75, Phase-7, Mohali - 160059, Punjab, India

Date of Birth/Age :

27.02.1983

Date of Appointment :

29.05.2009

DIN No.:

02621975

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	U93000CH2009PTC031629	VCN INDIA PRIVATE LIMITED	Director	29/05/2009	29/05/2009	-	Active	NO
2	U45201CH1995PTC016336	DASM CONSTRUCTION COMPANY PRIVATE LIMITED	Additional director	25/10/2011	08/10/2009	29/09/2012	Active	NO
3	U45209CH2012PTC033617	BIROKE BUILDERS PRIVATE LIMITED	Director	06/03/2012	06/03/2012	-	Active	NO
4	U15320CH2012PTC034096	VCN INTERNATIONAL PRIVATE LIMITED	Director	20/09/2012	20/09/2012	-	Active	NO

Name :

Mr. Deepinder Singh Randhawa

Designation :

Director

Address :

House No 75, Phase-7, Mohali - 160059, Punjab, India

Date of Birth/Age :

31.08.1975

Date of Appointment :

29.05.2009

DIN No.:

02621797

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	U93000CH2009PTC031629	VCN INDIA PRIVATE LIMITED	Director	29/05/2009	29/05/2009	-	Active	NO
2	U15320CH2012PTC034096	VCN INTERNATIONAL PRIVATE LIMITED	Director	20/09/2012	20/09/2012	-	Active	NO

KEY EXECUTIVES

Name :	Mr. Gurinder Pal Singh
Designation :	Administrator
Mobile No. :	91- 9953352734
Address :	SCO- 374, 2nd Floor, Sector 37- D, Chandigarh- 160037, India

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

As on 30.09.2014

Names of Shareholders	No. of Shares	%age holding
Gurinder Pal Singh	132500	50.00
Deepinder Singh Randhawa	132500	50.00
Total	265000	100.00

As on 28.03.2014

Names of Allotment		No. of Shares
Gurinder Pal Singh		7500
Deepinder Singh Randhawa		7500
Total		15000

Equity Share Break up (Percentage of Total Equity)

As on 30.09.2014

Category	Percentage
Directors or relatives of Directors	100.00
Total	100.00

BUSINESS DETAILS

Line of Business :	Manufacturer, Supplier, Importer and Exporter of Crop Fertilizers and Bio stimulants.

Products :	Water Soluble Fertilizers Potassium Sulphate Polyfeed NPK Water Soluble Fertilizers Mono Potassium Phosphate Haifa Potassium Nitrate NPK Foliar Fertilizers Chelated Micronutrients Fertilizers Multi Micronutrients Fertilizers Chemical Fertilizer Bio Fertilizers Organic Fertilizers

Brand Names :	Not Divulged

Agencies Held :	Not Divulged

Exports :	Not Divulged

Imports :	Not Divulged

Terms :	Not Divulged

PRODUCTION STATUS NOT AVAILABLE

GENERAL INFORMATION

Suppliers :

Aryan Trading Company – Chomu Jaipur
Jindal Micro Irrigation – Ganganagar
Naga Engineering Corp – Jaipur
Patel Machinery Stores – Dungarpur
RC Dangi and Company – Udaipur
Golden Stationers
Indomag Industries – Udaipur
Krishi Dhaan Agro – Pune
Kuber Enterprises ON Dot Courier
Manju Sales Corporation- Gujarat
RNZ International FZE – Dubai
Sharma Trading Company (Water Supply)
Shriram Fertilizer and Chemicals
Super Lamipack Industries-Chandigarh
WCI Shipping Pribate Limited-Mumbai

Customers :

MK and Company
Sharma and Company – Khanna
Bharat Pesticides and Fertilizers – Mandi Dabwali
J.G. Bansal and Sons – Shri Muktsar Sahib
Jhurar Cotton and Pesticides – Malout
Zamidara Agro Centre – Giddarwaha
Zamidara Agro Centre – Haripura
Zamidara Pesticides Private Limited – Sangaria
Zamidara Pesticides and Seeds malout
Rajiv Agro Centre – Nabha
Gupta Agro Service Centre – nabha
Kissan Kheti Centre – Basantpur
Sardar Seed Store-Budhlada

No. of Employees :

Information declined by the management

Bankers :

Bank Name	State Bank of India
Branch	RM-ME, RBO-1, Sector 17B, Chandigarh – 160017, 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)
Long-term Borrowings
Tata Motors Finance Limited (New Indica)	0.000	0.058
(Secured against hypothecation of Car)
State Bank of India (Cruze loan)	0.420	0.578
(Secured against hypothecation of Car)
HDFC Bank Limited (Fortuner Loan)	0.858	1.015
(Secured against hypothecation of Car)
State Bank of India (XUV 500 loan)	0.757	0.000
(Secured against hypothecation of Car)
State Bank of India (Mahindra Pick up loan)	0.250	0.000
(Secured against hypothecation of Car)

Short-term borrowings
State Bank of India – Mattaur (31215318055)	6.628	10.142
(Secured against hypothecation of Stocks)
Mahindra and Mahindra Financial Services Limited	0.000	0.012
(Secured against hypothecation of Car) (Due within 1 Year)
Tata Motors Finance Limited (Old Indica)	0.000	0.027
(Secured against hypothecation of Car) (Due within 1 Year)
Tata Motors Finance Limited (New Indica)	0.075	0.134
(Secured against hypothecation of Car) (Due within 1 Year)
State Bank of India (Cruze Loan)	0.199	0.267
(Secured against hypothecation of Car) (Due within 1 Year)
HDFC Bank Limited (Fortuner Loan)	0.304	0.420
(Secured against hypothecation of Car) (Due within 1 Year)
State Bank of India (XUV 500 Loan)	0.150	0.000
(Secured against hypothecation of Car) (Due within 1 Year)
State Bank of India (Mahindra Pick Up Loan)	0.051	0.000
(Secured against hypothecation of Car) (Due within 1 Year)
Total	9.692	12.653

Auditors :
Name :	Andros and Company Chartered Accountants
Address :	# 3130 P, Level II, Sector 22-D, Chandigarh – 160022, India
Tel. No.:	91-172-2779755
Mobile No.:	91-9815669755
E-Mail :	raaj_kgupta@yahoo.co.in
PAN N Income-tax PAN of auditor or auditor's firm :	AABFS7061C

Memberships :	Not Available

Collaborators :	Not Available

Associates/Subsidiaries :

CAPITAL STRUCTURE

As on 30.09.2014

Authorised Capital :

No. of Shares	Type	Value	Amount

400000	Equity Shares	Rs.10/- each	Rs.4.000 Million

Issued, Subscribed & Paid-up Capital :

No. of Shares	Type	Value	Amount

265000	Equity Shares	Rs.10/- each	Rs.2.650 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	2.650	2.500	2.500
(b) Reserves & Surplus	2.230	1.086	0.491
(c) Money received against share warrants	0.000	0.000	0.000

(2) Share Application money pending allotment	0.000	0.150	0.000
Total Shareholders’ Funds (1) + (2)	4.880	3.736	2.991

(3) Non-Current Liabilities
(a) long-term borrowings	6.735	3.060	1.490
(b) Deferred tax liabilities (Net)	0.000	0.000	0.035
(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)	6.735	3.060	1.525

(4) Current Liabilities
(a) Short term borrowings	7.406	11.002	11.496
(b) Trade payables	4.844	4.695	5.799
(c) Other current liabilities	2.267	1.511	0.631
(d) Short-term provisions	0.835	0.637	0.325
Total Current Liabilities (4)	15.352	17.845	18.251

TOTAL	26.967	24.641	22.767

II. ASSETS
(1) Non-current assets
(a) Fixed Assets
(i) Tangible assets	5.758	5.070	3.755
(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	1.138
(c) Deferred tax assets (net)	0.172	0.087	0.000
(d) Long-term Loan and Advances	0.027	0.027	0.027
(e) Other Non-current assets	0.000	0.000	0.000
Total Non-Current Assets	5.957	5.184	4.920

(2) Current assets
(a) Current investments	0.000	0.000	0.000
(b) Inventories	7.605	8.736	11.663
(c) Trade receivables	11.348	9.597	4.886
(d) Cash and cash equivalents	1.206	0.661	0.802
(e) Short-term loans and advances	0.000	0.000	0.000
(f) Other current assets	0.851	0.463	0.496
Total Current Assets	21.010	19.457	17.847

TOTAL	26.967	24.641	22.767

PROFIT & LOSS ACCOUNT

	PARTICULARS	31.03.2014	31.03.2013	31.03.2012
	SALES
	Revenue from Operations	64.756	49.306	37.969
	Other Income	0.539	0.397	0.066
	TOTAL	65.295	49.703	38.035

Less	EXPENSES	NA	NA	NA

	PROFIT/ (LOSS) BEFORE TAX	NA	NA	NA

Less	TAX	NA	NA	NA

	PROFIT/ (LOSS) AFTER TAX	1.175	0.599	0.401

	IMPORTS
	CIF Value of Exports	13.243	11.312	12.009
	TOTAL IMPORTS	13.243	11.312	12.009

	Earnings / (Loss) Per Share (Rs.)	4.43	2.26	1.51

CURRENT MATURITIES OF LONG TERM DEBT DETAILS

Particulars	31.03.2014	31.03.2013	31.03.2012
Current Maturities of Long term debt	NA	NA	NA
Cash generated from operations	NA	NA	NA
Net cash flow from operating activity	NA	NA	NA

KEY RATIOS

PARTICULARS		31.03.2014	31.03.2013	31.03.2012
Net Profit Margin (PAT / Sales)	(%)	1.81	1.21	1.06

Debt Equity Ratio (Total Debt /Networth)		2.90	3.76	4.34

Current Ratio (Current Asset/Current Liability)		1.37	1.09	0.98

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	2.500	2.500	2.650
Reserves & Surplus	0.491	1.086	2.230
Share Application money pending allotment	0.000	0.150	0.000
Net worth	2.991	3.736	4.880

long-term borrowings	1.490	3.060	6.735
Short term borrowings	11.496	11.002	7.406
Total borrowings	12.986	14.062	14.141
Debt/Equity ratio	4.342	3.764	2.898

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)
Sales	37.969	49.306	64.756
		29.859	31.335

NET PROFIT MARGIN

Net Profit Margin	31.03.2012	31.03.2013	31.03.2014
	(Rs. In Million)	(Rs. In Million)	(Rs. In Million)
Sales	37.969	49.306	64.756
Profit	0.401	0.599	1.175
	1.06%	1.21%	1.81%

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	Yes
15	Export/import details (if applicable)	No
16	No. of employees	No
17	Details of sister concerns	No
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 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

PERFORMNACE OF THE COMPANY

The performance of the company during the year remained good due to the favorable market condition during the year.

PROFILE

Endowed in 2009, Vardhaman Crop Nutrients Private Limited is the most reputed Manufacturer, Supplier, Importer and Exporter of Crop Fertilizers and Bio stimulants. They have wide range of products from water soluble fertilizers, NPK Foliar Fertilizers and Chelated Micronutrients Fertilizers. With the purpose to make people’s lives healthier they are dedicated to provide premium quality products to their clients. Their products are prepared by using authorized technology and packaged under the sterile condition which are very effective and are offered at very affordable prices. Their offered products are extensively recognized for its high effectiveness, hygienically package, non volatile, accurate composition and purity.

The pillars behind our success are the huge client base that they have gained because of their premium quality. Every day they make sure that they gain a huge client base and that is done with the help of team of skilled professionals who are specifically trained to analyze and manufacture highly effective products. To accomplish our business process, they are backed with a high-tech infrastructure facility that is manned by our experienced professionals. Their hi-tech facility is separated into different units like production, quality testing, research and development and warehousing and packaging.

Their recognizance in the business is owing to their mentor Mr. Gurinder Pal Singh who is gifted with rich skills set to be outstanding in the industry. She always keeps the channels open for interaction which empowers us to assume the customer needs and to accommodate the excellent range of highly effective products.

MISSION

Their mission statement is to focus on their customers, their needs and satisfaction. They are bound to do continuous improvements in all aspects of their business withe help of their experienced and skilled professional team.

UNSECURED LOAN

Unsecured Loan	31.03.2014 (Rs. in Million)	31.03.2013 (Rs. in Million)
Long-term Borrowings
From Director and Shareholders
S. Deepender Singh Randhawa	2.554	1.359
S. Gurinder Pal Singh	1.895	0.050
Total	4.449	1.409

INDEX OF CHARGES

S.No.	Charge ID	Date of Charge Creation/Modification	Charge amount secured	Charge Holder	Address	Service Request Number (SRN)
1	10227037	03/06/2014 *	45,000,000.00	State Bank of India	RM-ME, RBO-1, SECTOR 17B, CHANDIGARH, Chandigarh - 160017, INDIA	C18501676

FIXED ASSETS

Furniture and Fixture
Plant and Machinery
Vehicle
Air Conditioner
Computer

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.64.88
UK Pound	1	Rs.99.88
Euro	1	Rs.72.06

INFORMATION DETAILS

Information Gathered by :

Analysis Done by :	AMR

Report Prepared by :	SUJ

SCORE & RATING EXPLANATIONS

SCORE FACTORS	RANGE	POINTS
HISTORY	1~10	3
PAID-UP CAPITAL	1~10	3
OPERATING SCALE	1~10	4
FINANCIAL CONDITION
--BUSINESS SCALE	1~10	3
--PROFITABILITY	1~10	4
--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		29

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