MIRA INFORM REPORT
|
Report No. : |
343020 |
|
Report Date : |
29.09.2015 |
IDENTIFICATION DETAILS
|
Name : |
KISCO INDIA PRIVATE LIMITED |
|
|
|
|
Registered
Office : |
Plot No. 117 (Ten Marla), Industrial Area,
Phase-2, Chandigarh – 160002 |
|
Tel. No.: |
91-172-4014202 |
|
|
|
|
Country : |
India |
|
|
|
|
Financials (as
on) : |
31.03.2014 |
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|
|
|
Date of
Incorporation : |
05.01.2012 |
|
|
|
|
Com. Reg. No.: |
16-033467 |
|
|
|
|
Capital
Investment / Paid-up Capital : |
Rs.0.500 Million |
|
|
|
|
IEC No.: |
2211005802 |
|
|
|
|
CIN No.: [Company Identification
No.] |
U24110CH2012PTC033467 |
|
|
|
|
TAN No.: [Tax Deduction &
Collection Account No.] |
PTLK12306A |
|
|
|
|
PAN No.: [Permanent Account No.] |
AAECK6186G |
|
|
|
|
Legal Form : |
Private Limited Liability Company |
|
|
|
|
Line of Business
: |
Trader, Exporter and Importer of Dyes and Chemicals. |
|
|
|
|
No. of Employees
: |
20 (Approximately) |
RATING & COMMENTS
|
MIRA’s Rating : |
Ba (43) |
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
41-55 |
Ba |
Overall operation is considered normal. Capable to meet normal
commitments. |
Satisfactory |
|
Maximum Credit Limit : |
USD 74000 |
|
|
|
|
Status : |
Satisfactory |
|
|
|
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Payment Behaviour : |
Usually Correct |
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|
|
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Litigation : |
Clear |
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|
|
Comments : |
Subject was incorporated in the year 2012 engaged in the business of
trading, exporting and importing of dyes and chemicals. For the financial year ended 2014, the company has reported decent sales
turnover growth and it has maintained satisfactory profitability margins at
5.48% during the year under a review. Rating takes into consideration its improved financial profile
supported by sound networth base and above average debt protection metrics of
the company. Trade relations are fair. Business is active. Payment terms are
reported to be usually correct. The company can be considered for business dealings at usual trade
terms and condition. |
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 |
|
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 PARTED BY
|
Name : |
Mr. Rohit Kumar Khanna |
|
Designation : |
Managing Director |
|
Contact No.: |
91-9878630124 |
LOCATIONS
|
Registered Office : |
Plot No 117 (Ten Marla), Industrial Area, Phase
2, Chandigarh – 160002, India |
|
Tel. No.: |
91-172-4014202 |
|
Mobile No.: |
91-9878630124 (Mr. Rohit Khanna) |
|
Fax No.: |
Not Available |
|
E-Mail : |
|
|
Website : |
|
|
|
|
|
Warehouse : |
Plot No.44, RK Warehousing Co-operating Society, Near Jamnagar
Transport Co. NH8 Aslali, Ahmedabad, Gujarat, India |
DIRECTORS
As on 26.09.2014
|
Name : |
Mr. Rohit Kumar Khanna |
||||||||||||||||||
|
Designation : |
Managing Director |
||||||||||||||||||
|
Address : |
#2044, 2nd Floor, Sector 21 C, Chandigarh – 160022, India |
||||||||||||||||||
|
Date of Appointment : |
01.01.2013 |
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DIN No.: |
03608686 |
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Other Directorship:
|
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|
||||||||||||||||||
|
Name : |
Mr. Sung Yong Cho |
||||||||||||||||||
|
Designation : |
Director |
||||||||||||||||||
|
Address : |
112-131, Yeomchang Kangseo-Su, Seoul Korea – 133883 |
||||||||||||||||||
|
Date of Appointment : |
05.01.2012 |
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|
DIN No.: |
03608655 |
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|
||||||||||||||||||
|
Name : |
Mrs. Simmi Khanna |
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|
Designation : |
Whole Time Director |
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|
Address : |
2044, 2nd Floor, Sector 21 C, Chandigarh – 160022, India |
||||||||||||||||||
|
Date of Appointment : |
01.01.2013 |
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|
DIN No.: |
06469669 |
||||||||||||||||||
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|
|
||||||||||||||||||
|
Name : |
Mr. Jin Mi Kim |
||||||||||||||||||
|
Designation : |
Director |
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|
Address : |
117, 10 Marla Plots, Industrial Are, Phase 2, Chandigarh – 160002,
India |
||||||||||||||||||
|
Date of Appointment : |
30.09.2013 |
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DIN No.: |
06565647 |
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Other Directorship:
|
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MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN
As on 26.09.2014
|
Names of Shareholders |
|
No. of Shares |
|
Kyung In Synthetic Corporation, Korea |
|
48500 |
|
Sung Yong Cho |
|
500 |
|
Roy Stones |
|
500 |
|
Rohit Kumar Khanna |
|
480 |
|
Simmi Khanna |
|
20 |
|
Total |
|
50000 |
Equity Share Break up (Percentage of Total Equity)
As on 26.09.2014
|
Category |
Percentage |
|
Foreign holdings( Foreign institutional
investor(s), Foreign companie(s) Foreign financial institution(s),
Non-resident Indian(s) or Overseas Corporate bodies or Others |
99.97 |
|
Bodies corporate |
0.03 |
|
Total |
100.00 |
BUSINESS DETAILS
|
Line of Business : |
Trader, Exporter and Importer of Dyes and Chemicals. |
|
|
|
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Products : |
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|
|
|
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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 : |
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Imports : |
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Products : |
Raw Material |
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Countries : |
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Terms : |
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Selling : |
Cash, L/C and Credit |
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Purchasing : |
Cash, L/C and Credit |
PRODUCTION STATUS NOT AVAILABLE
GENERAL INFORMATION
|
Suppliers : |
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Customers : |
Wholesalers and Retailers and End Users
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No. of Employees : |
20 (Approximately) |
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Bankers : |
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|
|
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Financial Institution: |
Toyota Financial Services India Limited,
No 21 Centropolis 1st Floor 5th Cross, Langford Road, Shanti Nagar,
Bangalore, Karnataka - 560025, India |
|
|
|
|
Auditors : |
|
|
Name : |
Garg Bansal and Associates Chartered Accountants |
|
Address : |
Sco 35-36, 1st Floor, Sector 17-C, Chandigarh – 160017,
India |
|
Tel. No.: |
91-172-4673721 |
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Fax No.: |
91-172-5039018 |
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PAN N Income-tax PAN of auditor or auditor's firm : |
AAIFR9624D |
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Memberships : |
Not Available |
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Collaborators : |
Not Available |
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Holding Company : |
|
CAPITAL STRUCTURE
As on 26.09.2014
Authorised Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
|
|
|
|
|
50000 |
Equity Shares |
Rs.10/- each |
Rs.0.500 Million |
|
|
|
|
|
Issued, Subscribed & Paid-up Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
|
|
|
|
|
50000 |
Equity Shares |
Rs.10/- each |
Rs.0.500 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 |
0.500 |
0.500 |
0.100 |
|
(b) Reserves & Surplus |
25.226 |
4.295 |
0.000 |
|
(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) |
25.726 |
4.795 |
0.100 |
|
|
|
|
|
|
(3) Non-Current Liabilities |
|
|
|
|
(a) long-term borrowings |
0.000 |
0.000 |
0.000 |
|
(b) Deferred tax liabilities
(Net) |
0.024 |
0.010 |
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) |
0.024 |
0.010 |
0.000 |
|
|
|
|
|
|
(4) Current Liabilities |
|
|
|
|
(a) Short term borrowings |
3.607 |
3.693 |
0.314 |
|
(b) Trade payables |
99.978 |
70.497 |
0.093 |
|
(c) Other current liabilities |
1.347 |
0.798 |
0.006 |
|
(d) Short-term provisions |
10.555 |
2.150 |
0.000 |
|
Total
Current Liabilities (4) |
115.487 |
77.138 |
0.413 |
|
|
|
|
|
|
TOTAL |
141.237 |
81.943 |
0.513 |
|
|
|
|
|
|
II.
ASSETS |
|
|
|
|
(1) Non-current assets |
|
|
|
|
(a) Fixed Assets |
|
|
|
|
(i) Tangible assets |
0.899 |
0.572 |
0.111 |
|
(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 |
0.000 |
0.000 |
0.000 |
|
(e) Other Non-current assets |
0.000 |
0.000 |
0.000 |
|
Total
Non-Current Assets |
0.899 |
0.572 |
0.111 |
|
|
|
|
|
|
(2) Current assets |
|
|
|
|
(a) Current investments |
0.000 |
0.000 |
0.000 |
|
(b) Inventories |
63.395 |
33.949 |
0.000 |
|
(c) Trade receivables |
43.082 |
40.114 |
0.000 |
|
(d) Cash and cash equivalents |
9.122 |
0.512 |
0.232 |
|
(e) Short-term loans and
advances |
23.820 |
6.403 |
0.100 |
|
(f) Other current assets |
0.919 |
0.393 |
0.070 |
|
Total
Current Assets |
140.338 |
81.371 |
0.402 |
|
|
|
|
|
|
TOTAL |
141.237 |
81.943 |
0.513 |
PROFIT
& LOSS ACCOUNT
|
|
PARTICULARS |
31.03.2014 |
31.03.2013 |
31.03.2012 |
|
|
SALES |
|
|
|
|
|
Income |
382.036 |
101.778 |
0.000 |
|
|
Other Income |
0.978 |
0.600 |
0.000 |
|
|
TOTAL |
383.014 |
102.378 |
0.000 |
|
|
|
|
|
|
|
Less |
TOTAL
EXPENSES |
352.014 |
96.110 |
0.039 |
|
|
|
|
|
|
|
|
PROFIT BEFORE EXCEPTIONAL ITEMS AND TAX |
31.000 |
6.268 |
(0.039) |
|
|
|
|
|
|
|
|
Exceptional Items |
0.019 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
PROFIT/ (LOSS)
BEFORE TAX |
30.981 |
6.268 |
(0.039) |
|
|
|
|
|
|
|
Less |
TAX |
10.050 |
1.935 |
0.000 |
|
|
|
|
|
|
|
|
PROFIT/ (LOSS)
AFTER TAX |
20.931 |
4.333 |
(0.039) |
|
|
|
|
|
|
|
|
EARNINGS
IN FOREIGN CURRENCY |
|
|
|
|
|
Foreign Exchange Earning |
10.189 |
NA |
NA |
|
|
TOTAL
EARNINGS |
10.189 |
NA |
NA |
|
|
|
|
|
|
|
|
Earnings
/ (Loss) Per Share (Rs.) |
418.62 |
86.66 |
0.78 |
|
Particulars |
|
|
31.03.2015 |
|
Sales Turnover (Approximately) |
|
|
370.000 |
|
|
|
|
|
Expected Sales (2015-2016) : Rs.400.000 Million
The above information has been parted by Mr. Rohit Kumar Khanna
(Managing Director)
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) |
(%) |
5.48 |
4.26 |
NA |
|
|
|
|
|
|
|
Return on Total Assets (PBT/Total Assets} |
(%) |
21.94 |
7.65 |
(7.60) |
|
|
|
|
|
|
|
Return on Investment (ROI) (PBT/Networth) |
|
1.20 |
1.31 |
(0.39) |
|
|
|
|
|
|
|
Debt Equity Ratio (Total Debt /Networth) |
|
0.14 |
0.77 |
3.14 |
|
|
|
|
|
|
|
Current Ratio (Current Asset/Current Liability) |
|
1.22 |
1.05 |
0.97 |
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 |
0.500 |
0.500 |
|
Reserves & Surplus |
0.000 |
4.295 |
25.226 |
|
Net
worth |
0.100 |
4.795 |
25.726 |
|
long-term borrowings |
0.000 |
0.000 |
0.000 |
|
Short term borrowings |
0.314 |
3.693 |
3.607 |
|
Total
borrowings |
0.314 |
3.693 |
3.607 |
|
Debt/Equity
ratio |
3.140 |
0.770 |
0.140 |
YEAR-ON-YEAR GROWTH
|
Year
on Year Growth |
31.03.2013 |
31.03.2014 |
|
|
(Rs.
In Million) |
(Rs.
In Million) |
|
Sales |
101.778 |
382.036 |
|
|
275.362 |
NET PROFIT MARGIN
|
Net
Profit Margin |
31.03.2013 |
31.03.2014 |
|
|
(Rs.
In Million) |
(Rs.
In Million) |
|
Sales |
101.778 |
382.036 |
|
Profit |
4.333 |
20.931 |
|
|
4.26% |
5.48% |
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 |
No |
|
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 |
Yes |
|
17 |
Details of sister concerns |
Yes |
|
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 about two years
and three months |
Yes |
|
27 |
Reasons for variation <> 20% |
-- |
|
28 |
Estimation for coming financial year |
Yes |
|
29 |
Profitability for last about two years and
three months |
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 |
NOTE: Registered office of the company has been shifted from HSPL House, 1st Floor, Sco 121-123, Sector 34A, Chandigarh – 160022, India to the present address w.e.f.01.03.2013
UNSECURED LOAN
|
PARTICULARS |
31.03.2014 (Rs.
in Million) |
31.03.2013 (Rs.
in Million) |
|
Short Term
Borrowing |
|
|
|
Loans and Advances |
3.607 |
3.693 |
|
|
|
|
|
Total |
3.607 |
3.693 |
INDEX
OF CHARGES
|
S.No. |
Charge ID |
Date of Charge
Creation/Modification |
Charge amount
secured |
Charge Holder |
Address |
Service Request
Number (SRN) |
|
2 |
10582630 |
30/04/2015 |
1,768,000.00 |
HDFC BANK
LIMITED |
SENAPTI BHAGPAT
MARG, LOWER PAREL WEST, MUMBAI, Maharashtra - 400013, INDIA |
C60113248 |
FIXED ASSETS
- Lab Equipments
- Furniture and Fixture
- Other Equipments
- Computers
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.66.08 |
|
|
1 |
Rs.100.31 |
|
Euro |
1 |
Rs.73.81 |
INFORMATION DETAILS
|
Information
Gathered by : |
PRT |
|
|
|
|
Analysis Done by
: |
KAR |
|
|
|
|
Report Prepared
by : |
SUD |
SCORE & RATING EXPLANATIONS
|
SCORE FACTORS |
RANGE |
POINTS |
|
HISTORY |
1~10 |
5 |
|
PAID-UP CAPITAL |
1~10 |
5 |
|
OPERATING SCALE |
1~10 |
5 |
|
FINANCIAL
CONDITION |
|
|
|
--BUSINESS SCALE |
1~10 |
5 |
|
--PROFITABILITY |
1~10 |
5 |
|
--LIQUIDITY |
1~10 |
5 |
|
--LEVERAGE |
1~10 |
4 |
|
--RESERVES |
1~10 |
5 |
|
--CREDIT LINES |
1~10 |
4 |
|
--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 |
|
43 |
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.