|
|
|
MIRA INFORM REPORT
|
Report No. : |
505378 |
|
Report Date : |
23.04.2018 |
IDENTIFICATION DETAILS
|
Name : |
DHAVAL AGRI
EXPORTS LLP |
|
|
|
|
Registered
Office : |
A-75, New Market Yard, Morbi Road, Village: Bedi,
Rajkot-360003, Gujarat |
|
Tel. No.: |
91-281-2433691/ 92/ 93 |
|
|
|
|
Country : |
India |
|
|
|
|
Financials (as
on) : |
31.03.2017 |
|
|
|
|
Date of
Incorporation : |
04.07.2016 |
|
|
|
|
LLPIN No: |
AAG-8312 |
|
|
|
|
Total
Obligation of Contribution: |
INR 277.062 Million |
|
|
|
|
IEC No.: [Import-Export Code No.] |
Not Divulged |
|
|
|
|
TIN No: |
Not Available |
|
|
|
|
TAN No.: [Tax Deduction &
Collection Account No.] |
Not Available |
|
|
|
|
GSTN : [Goods & Service Tax
Registration No.] |
Not Divulged |
|
|
|
|
PAN No.: [Permanent Account No.] |
Not Available |
|
|
|
|
Legal Form : |
Limited Liability Partnership |
|
|
|
|
Line of Business
: |
Manufacturer,
Processor, Exporter and Importer of Agriculture Commodities such as Natural
and Hulled Sesame Seeds, Groundnuts and Spices. [Registered Activity and also Confirmed by management] |
|
|
|
|
No. of Employees
: |
120 (Approximately) |
RATING & COMMENTS
(Mira Inform has adopted New Rating mechanism w.e.f. 23rd
January 2017)
|
MIRA’s Rating : |
A |
|
Credit Rating |
Explanation |
Rating Comments |
|
A |
Acceptable Risk |
Business dealings permissible with
moderate risk of default |
|
Status : |
Satisfactory |
|
|
|
|
Payment Behaviour : |
Usually correct |
|
|
|
|
Litigation : |
Clear |
|
|
|
|
Comments : |
Mr. Nalim Ambani (Manager) has claimed that the subject was established in the year 1999 as partnership firm in the name of “Dhaval Agri Exports” but later during July 2017 it got converted into limited liability firm in the name of ‘Dhaval Agri Exports LLP”. As per financials of March 2016, the subject has registered a healthy operating sales turnover and has reported fair profit margin. Rating takes into consideration the subject’s established track record of business operations marked by sound capital base along with average debt coverage indicators and average liquidity position. Rating also takes into account the promoters’ experience in the business and long standing relations with established network of customer and suppliers. However, rating strength is partially offset by intense competition in the industry, exposure to risks related to changes in government policies, adverse climatic factors, risk pertaining to forex transactions and exposure to volatility in raw material prices and other inherent risks associated with agro product industry. Payments seems to be usually correct. In view of aforesaid, the subject can be considered for business dealings 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 |
BRICKWORKS |
|
Rating |
Long Term Rating (BB+) |
|
Rating Explanation |
Moderate risk of default. |
|
Date |
22.08.2017 |
|
Rating Agency Name |
BRICKWORKS |
|
Rating |
Short Term Rating (A4+) |
|
Rating Explanation |
Minimal degree of safety and very high credit risk. |
|
Date |
22.08.2017 |
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
31-03-2018.
BIFR (Board for Industrial & Financial Reconstruction) LISTING
STATUS
Subject’s name is not listed as a Sick Unit in
the publicly available BIFR (Board for Industrial & Financial
Reconstruction) list as of 23.04.2018
IBBI (Insolvency and Bankruptcy Board of India) LISTING STATUS
Subject’s name is not listed in the publicly
available IBBI (Insolvency and Bankruptcy Board of India) list as of report
date.
INFORMATION PARTED BY (GENERAL DETAILS)
|
Name : |
Mr. Nalin Ambani |
|
Designation : |
Manager |
|
Contact No.: |
91-9824211406 |
|
Date : |
20.04.2018 |
LOCATIONS
|
Registered Office : |
A-75, New Market Yard, Morbi Road, Village: Bedi,
Rajkot-360003, Gujarat, India |
|
Tel. No.: |
91-281-2433691/ 92/ 93 |
|
Mobile No.: |
91-9824211406 (Mr. Nalin Ambani) |
|
Fax No.: |
91-281-2477808/ 2790294 |
|
E-Mail : |
|
|
Website : |
|
|
Area : |
1000 Sq. Ft. |
|
Location : |
Owned |
|
Locality : |
Industrial |
|
|
|
|
Factory : |
Shri Hari Kutir, Till Factory, Morbi Highway Touch, Near New Market
Yard, Bedi Village, District Rajkot – 360003, Gujarat, India |
|
Area : |
18000 |
|
Location : |
Owned |
PARTNERS
As on: 31.03.2018
|
Name : |
Mr. Chandarana Sureshkumar Harjivanbhai |
|
Designation : |
Designated Partner |
|
Address : |
Raghuvir, 3 - Jagannath Plot, Kalawad Road, Rajkot-360005, Gujarat, India |
|
Date of Appointment : |
04.07.2016 |
|
DPIN No.: |
06782327 |
|
|
|
|
Name : |
Mrs. Chandarana Dolarben Sureshkumar |
|
Designation : |
Designated Partner |
|
Address : |
Raghuvir, 3 - Jagannath Plot, Kalawad Road, Rajkot-360005, Gujarat, India |
|
Date of Appointment : |
04.07.2016 |
|
DPIN No.: |
07481743 |
KEY EXECUTIVES
|
Name : |
Mr. Nalin Ambani |
|
Designation : |
Manager |
CONTRIBUTION DETAILS
As on: 31.03.2017
|
Names of Person |
Obligation
of Contribution (INR In Million) |
|
Dolarben Sureshkumar Chandarana |
60.000 |
|
Sureshkumar Harjivanbhai Chandarana |
60.000 |
|
Total |
120.000 |
BUSINESS DETAILS
|
Line of Business
: |
Manufacturer,
Processor, Exporter and Importer of Agriculture Commodities such as Natural and
Hulled Sesame Seeds, Groundnuts and Spices. [Registered Activity and also Confirmed by management] |
|
|
|
|
Brand Names : |
Not Divulged |
|
|
|
|
Agencies Held : |
Not Divulged |
|
|
|
|
Exports : |
|
|
Products : |
Finished Goods |
|
Countries : |
|
|
|
|
|
Imports : |
|
|
Products : |
Raw Material |
|
Countries : |
Nigeria |
|
|
|
|
Terms : |
|
|
Selling : |
Advance Payment and Credit (30 Days) (NEFT/RTGS) |
|
|
|
|
Purchasing : |
Advance Payment and Credit (30 Days) (NEFT/RTGS) |
PRODUCTION STATUS NOT AVAILABLE
GENERAL INFORMATION
|
Suppliers : |
|
||||||||||||||||||||||
|
|
|
||||||||||||||||||||||
|
Customers : |
Wholesalers and Manufacturers
|
||||||||||||||||||||||
|
|
|
||||||||||||||||||||||
|
No. of Employees : |
120 (Approximately) |
||||||||||||||||||||||
|
|
|
||||||||||||||||||||||
|
Bankers : |
|
||||||||||||||||||||||
|
|
|
||||||||||||||||||||||
|
Facilities : |
|
|
Auditors : |
|
|
Name : |
Bhavesh Pabari and Associates Chartered Accountants |
|
Address : |
303, Race Course Plaza, Race Course Ring Road, Rajkot – 360001, Gujarat, India |
|
Tel. No.: |
91-281-2476308 |
|
Mobile No.: |
91-9825033970 |
|
E-Mail : |
|
|
|
|
|
Memberships : |
--- |
|
|
|
|
Collaborators : |
-- |
|
|
|
|
Associates/Subsidiaries : |
-- |
CAPITAL STRUCTURE
As on: 31.03.2017
PARTNER
CAPITAL’S ACCOUNT
(INR in Million)
|
Name |
Chandarana Sureshkumar Harjivanbhai |
Chandarana Dolarben Sureshkumar |
Total |
|
Opening Balance |
40.411 |
160.003 |
200.414 |
|
Add: Capital Addition the year |
9.750 |
2.621 |
12.371 |
|
Remuneration to Partner |
0.000 |
15.200 |
15.200 |
|
Interest to Partner |
5.100 |
19.002 |
24.102 |
|
Share of Profit during the year |
19.099 |
19.098 |
38.197 |
|
Total |
74.360 |
215.924 |
290.284 |
|
Less: |
|
|
|
|
Income Tax |
5.128 |
5.128 |
10.257 |
|
Transferred to Current Capital |
9.007 |
148.046 |
157.053 |
|
Other Withdrawals |
0.225 |
2.750 |
2.974 |
|
Total |
14.360 |
155.924 |
170.284 |
|
Total |
60.000 |
60.000 |
120.000 |
PARTNER
CAPITAL’S CURRENT ACCOUNT
(INR in Million)
|
Name |
Chandarana Sureshkumar Harjivanbhai |
Chandarana Dolarben Sureshkumar |
Total |
|
Opening Balance |
36.212 |
59.065 |
95.277 |
|
Add: Addition / Transferred from Fixed Capital |
9.007 |
263.255 |
272.262 |
|
Total |
45.219 |
322.320 |
367.539 |
|
Less: |
|
|
|
|
Other Withdrawals |
36.210 |
174.267 |
210.477 |
|
Total |
36.210 |
174.267 |
210.477 |
|
Total |
9.009 |
148.053 |
157.062 |
FINANCIAL DATA
[all figures are
in INR Million]
ABRIDGED
BALANCE SHEET
|
SOURCES OF FUNDS |
|
|
04.07.2016 to 31.03.2017 |
|
|
EQUITY AND LIABILITIES |
|
|
|
|
|
(1) Contribution Received |
|
|
|
|
|
(a) Partner’s Capital Account |
|
|
120.000 |
|
|
(b) Partner’s Current Capital Account |
|
|
157.062 |
|
|
(c) Reserves & Surplus |
|
|
0.000 |
|
|
NETWORTH |
|
|
277.062 |
|
|
LOAN FUNDS |
|
|
|
|
|
1] Secured Loans |
|
|
599.509 |
|
|
2] Unsecured Loans |
|
|
64.465 |
|
|
TOTAL LOANS |
|
|
663.974 |
|
|
DEFERRED TAX LIABILITIES |
|
|
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
|
|
941.036 |
|
|
|
|
|
|
|
|
APPLICATION OF FUNDS |
|
|
|
|
|
|
|
|
|
|
|
FIXED ASSETS [Net Block] |
|
|
85.526 |
|
|
Capital work-in-progress |
|
|
0.000 |
|
|
|
|
|
|
|
|
INVESTMENT |
|
|
0.001 |
|
|
DEFERRED TAX ASSETS |
|
|
0.000 |
|
|
|
|
|
|
|
|
CURRENT ASSETS, LOANS & ADVANCES |
|
|
|
|
|
|
Inventories |
|
|
640.887 |
|
|
Sundry Debtors |
|
|
433.084 |
|
|
Cash & Bank Balances |
|
|
2.042 |
|
|
Loan and Advances |
|
|
132.253 |
|
|
Other current Assets |
|
|
0.000 |
|
Total
Current Assets |
|
|
1208.266 |
|
|
Less : CURRENT
LIABILITIES & PROVISIONS |
|
|
|
|
|
|
Sundry Creditors |
|
|
349.665 |
|
|
Current Liabilities |
|
|
1.722 |
|
|
Provision |
|
|
1.370 |
|
Total
Current Liabilities |
|
|
352.757 |
|
|
Net Current Assets |
|
|
855.509 |
|
|
|
|
|
|
|
|
MISCELLANEOUS EXPENSES |
|
|
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
|
|
941.036 |
|
PROFIT
& LOSS ACCOUNT
|
|
PARTICULARS |
|
|
04.07.2016 to 31.03.2017 |
|
|
|
SALES |
|
|
|
|
|
|
|
Income |
|
|
4017.032 |
|
|
|
Other Income |
|
|
161.741 |
|
|
|
TOTAL |
|
|
4178.773 |
|
|
|
|
|
|
|
|
Less |
EXPENSES |
|
|
|
|
|
|
|
Cost of Goods Sold |
|
|
3671.856 |
|
|
|
Direct Expenses |
|
|
319.101 |
|
|
|
Administrative Expenses |
|
|
37.507 |
|
|
|
Donation |
|
|
0.177 |
|
|
|
Bad Debt Written Off |
|
|
5.111 |
|
|
|
Remuneration to Partners |
|
|
15.200 |
|
|
|
Interest to partners |
|
|
24.102 |
|
|
|
TOTAL |
|
|
4073.054 |
|
|
|
|
|
|
|
|
|
PROFIT/
(LOSS) BEFORE INTEREST, TAX, DEPRECIATION AND AMORTISATION |
|
|
105.719 |
|
|
|
|
|
|
|
|
|
Less |
FINANCIAL
EXPENSES |
|
|
54.585 |
|
|
|
|
|
|
|
|
|
|
PROFIT/
(LOSS) BEFORE TAX, DEPRECIATION AND
AMORTISATION |
|
|
51.134 |
|
|
|
|
|
|
|
|
|
Less |
DEPRECIATION/
AMORTISATION |
|
|
12.937 |
|
|
|
|
|
|
|
|
|
|
PROFIT/ (LOSS) BEFORE TAX |
|
|
38.197 |
|
|
|
|
|
|
|
|
|
Less |
TAX |
|
|
0.000 |
|
|
|
|
|
|
|
|
|
|
PROFIT/
(LOSS) AFTER TAX |
|
|
38.197 |
|
CURRENT MATURITIES
OF LONG TERM DEBT DETAILS
|
Particulars |
|
|
04.07.2016 to 31.03.2017 |
|
Current Maturities of Long term debt |
|
|
NA |
|
Cash generated from operations |
|
|
NA |
|
Net Cash flows from operating activities |
|
|
NA |
KEY
RATIOS
EFFICIENCY RATIOS
|
PARTICULARS |
|
|
04.07.2016 to 31.03.2017 |
|
Average Collection Days (Sundry Debtors / Income * 365 Days) |
|
|
39.35 |
|
|
|
|
|
|
Account Receivables Turnover (Income / Sundry
Debtors) |
|
|
9.28 |
|
|
|
|
|
|
Average Payment Days (Sundry Creditors
/ Purchases * 365 Days) |
|
|
34.76 |
|
|
|
|
|
|
Inventory Turnover (Operating Income
/ Inventories) |
|
|
0.16 |
|
|
|
|
|
|
Asset Turnover (Operating Income
/ Net Fixed Assets) |
|
|
1.24 |
LEVERAGE RATIOS
|
PARTICULARS |
|
|
04.07.2016 to 31.03.2017 |
|
Debt Ratio ((Borrowing + Current Liabilities) / Total
Assets) |
|
|
0.79 |
|
|
|
|
|
|
Debt Equity Ratio (Total Liability
/ Networth) |
|
|
2.40 |
|
|
|
|
|
|
Current Liabilities to Networth (Current
Liabilities / Net Worth) |
|
|
1.51 |
|
|
|
|
|
|
Fixed Assets to Networth (Net Fixed Assets
/ Networth) |
|
|
0.31 |
|
|
|
|
|
|
Interest Coverage Ratio (PBIT / Financial
Charges) |
|
|
1.94 |
PROFITABILITY RATIOS
|
PARTICULARS |
|
|
|
04.07.2016 to 31.03.2017 |
|
Net Profit Margin ((PAT / Sales) *
100) |
% |
|
|
0.95 |
|
|
|
|
|
|
|
Return on Total Assets ((PAT / Total
Assets) * 100) |
% |
|
|
2.95 |
|
|
|
|
|
|
|
Return on Investment (ROI) ((PAT / Networth)
* 100) |
% |
|
|
13.79 |
SOLVENCY RATIOS
|
PARTICULARS |
|
|
04.07.2016 to 31.03.2017 |
|
Current Ratio (Current Assets / Current Liabilities) |
|
|
2.90 |
|
|
|
|
|
|
Quick Ratio ((Current Assets
– Inventories) / Current Liabilities) |
|
|
1.36 |
|
|
|
|
|
|
G-Score Ratio Financial (Networth / Total
Assets) |
|
|
0.21 |
|
|
|
|
|
|
G-Score Ratio Debt (Debts / Equity
Capital) |
|
|
2.40 |
|
|
|
|
|
|
G-Score Ratio Liquidity (Total Current
Assets / Total Current Liabilities) |
|
|
2.90 |
Total Liability = Short-term Debt + Long-term
Debt + Current Maturities of Long-term debts
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 |
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 above 9 months |
Yes |
|
27 |
Reasons for variation <> 20% |
-- |
|
28 |
Estimation for coming financial year |
No |
|
29 |
Profitability for above 9 months |
Yes |
|
30 |
Major shareholders, if available |
Yes |
|
31 |
External Agency Rating, if available |
Yes |
|
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
|
Unsecured Loan |
|
31.03.2017 (INR
in Million) |
|
Loan and advance from others related parties |
|
64.465 |
|
|
|
|
|
Total |
|
64.465 |
INDEX OF CAHREGS:
|
SNO |
SRN |
CHARGE ID |
CHARGE HOLDER NAME |
DATE OF CREATION |
DATE OF MODIFICATION |
DATE OF SATISFACTION |
AMOUNT |
ADDRESS |
|
1 |
M06364319 |
100167330 |
STANDARD CHARTERED BANK |
09/02/2018 |
- |
- |
200000000.0 |
SIMARIA MANSION, OPP. PRINCESS SCHOOL, NEAR WOCKHARDT HOSPOITAL, KALAWAD ROAD, RAJKOT Rajkot GJ 360005 IN |
|
2 |
M02847804 |
100040026 |
ORIENTAL BANK OF COMMERCE |
16/07/2016 |
02/01/2017 |
- |
838800000.0 |
Nirmala Road Branch, Nirmala Convent Road, Rajkot Rajkot GJ 360001 IN |
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 records exist to suggest that subject is
or was the subject of any formal or informal allegations, prosecutions or other
official proceeding for making any prohibited payments or other improper
payments to government officials for engaging in prohibited transactions or
with designated parties.
3] Asset Declaration :
No records exist to suggest that the property or assets of the subject
are derived from criminal conduct or a prohibited transaction.
4] Record on Financial
Crime :
Charges or conviction
registered against subject: None
5] Records on Violation of
Anti-Corruption Laws :
Charges or
investigation registered against subject: None
6] Records on Int’l
Anti-Money Laundering Laws/Standards :
Charges or
investigation registered against subject: None
7] Criminal Records
No available
information exist that suggest that subject or any of its principals have been
formally charged or convicted by a competent governmental authority for any
financial crime or under any formal investigation by a competent government
authority for any violation of anti-corruption laws or international anti-money
laundering laws or standard.
8] Affiliation with
Government :
No record
exists to suggest that any director or indirect owners, controlling
shareholders, director, officer or employee of the company is a government
official or a family member or close business associate of a Government
official.
9] Compensation Package :
Our market
survey revealed that the amount of compensation sought by the subject is fair
and reasonable and comparable to compensation paid to others for similar
services.
10] Press Report :
No press reports / filings exists on
the subject.
CORPORATE GOVERNANCE
MIRA INFORM as part of its Due Diligence do provide comments on
Corporate Governance to identify management and governance. These factors often
have been predictive and in some cases have created vulnerabilities to credit
deterioration.
Our Governance Assessment focuses principally on the interactions
between a company’s management, its Board of Directors, Shareholders and other
financial stakeholders.
CONTRAVENTION
Subject is not known to have contravened any existing local laws,
regulations or policies that prohibit, restrict or otherwise affect the terms and
conditions that could be included in the agreement with the subject.
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
INR |
|
US Dollar |
1 |
INR 66.02 |
|
|
1 |
INR 92.73 |
|
Euro |
1 |
INR 81.46 |
INFORMATION DETAILS
|
Information Gathered
by : |
TJL |
|
|
|
|
Analysis Done by
: |
VVK |
|
|
|
|
Report Prepared
by : |
MTN |
SCORE FACTORS
|
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 |
NO |
|
--LISTED |
YES/NO |
NO |
|
--OTHER MERIT FACTORS |
YES/NO |
YES |
RATING EXPLANATIONS
|
Credit Rating |
Explanation |
Rating Comments |
|
A++ |
Minimum Risk |
Business dealings permissible with minimum
risk of default |
|
A+ |
Low Risk |
Business dealings permissible with low
risk of default |
|
A |
Acceptable Risk |
Business dealings permissible with moderate
risk of default |
|
B |
Medium Risk |
Business dealings permissible on a regular
monitoring basis |
|
C |
Medium High Risk |
Business dealings permissible preferably
on secured basis |
|
D |
High Risk |
Business dealing not recommended or on secured
terms only |
|
NB |
New Business |
No recommendation can be done due to
business in infancy stage |
|
NT |
No Trace |
No recommendation can be done as the
business is not traceable |
NB is stated where there is insufficient information to facilitate rating. However, it is not to be considered as unfavourable.
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 are as follows:
·
Financial
condition covering various ratios
·
Company
background and operations size
·
Promoters
/ Management background
·
Payment
record
·
Litigation
against the subject
·
Industry
scenario / competitor analysis
·
Supplier
/ Customer / Banker review (wherever available)
This report is issued at
your request without any risk and responsibility on the part of MIRA INFORM
PRIVATE LIMITED (MIPL) or its officials.