|
|
|
MIRA INFORM REPORT
|
Report No. : |
492950 |
|
Report Date : |
22.02.2018 |
IDENTIFICATION DETAILS
|
Name : |
AJANTA KARAMVIR CONSTRUCTIONS LIMITED LIABILITY PARTNERSHIP |
|
|
|
|
Registered
Office : |
Unit No.608, 6th Floor, The Capital, Plot No.C-70, G Block, A Wing,
Behind ICICI Bank, BKC, Bandra-East,
Mumbai – 400051, Maharashtra |
|
Mobile No.: |
91-7039216673 (Mr. Ajay) |
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|
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|
Country : |
India |
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|
Financials (as
on) : |
31.03.2017 |
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|
|
|
Year of
Establishment: |
17.06.2010 |
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|
|
|
Total Obligation
of Contribution: |
INR 10.000 Million |
|
|
|
|
LLPIN : |
AAA-1611 |
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TIN No.: |
Not Available |
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|
IEC No.: [Import-Export Code No.] |
Not Divulged |
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TAN No.: [Tax Deduction &
Collection Account No.] |
Not Available |
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GSTN : [Goods & Service Tax
Registration No.] |
Not Divulged |
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PAN No.: [Permanent Account No.] |
Not Available |
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Legal Form : |
Limited Liability Partnership |
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Line of Business
: |
Subject is engaged in real estate development projects such as construction of residential complex, Malls and other Commercial Segment. (Registered activity) |
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|
No. of Employees
: |
Information declined by the management |
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 |
|
Maximum Credit Limit : |
USD 42000 INR 2910600 |
|
|
|
|
Status : |
Satisfactory |
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Payment Behaviour : |
Slow |
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Litigation : |
Clear |
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Comments : |
Subject is a Limited Liability Partnership firm established in the
year 2010. The subject is engaged in the business of construction. For the financial year ended 2017, the subject has reported a decline
on 35.28% in its revenue as compared to the previous year but has managed to
maintain an average net profit margin of 4.51%. The overall financial position of the subject seems to be fair marled
by sufficient capital base along with low debt balance sheet profile. Business is active. Payment seems to be slow. In view of aforesaid, the subject 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
|
Country Name |
Previous Rating (30.09.2017) |
Current Rating (31.12.2017) |
|
India |
A1 |
A1 |
|
Risk Category |
ECGC Classification |
|
Insignificant |
A1 |
|
Low Risk |
A2 |
|
Moderately Low
Risk |
B1 |
|
Moderate Risk |
B2 |
|
Moderately High
Risk |
C1 |
|
High Risk |
C2 |
|
Very High Risk |
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
31-03-2016.
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 22.02.2018
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 DENIED BY
|
Name : |
Mr. Ajay |
|
Designation : |
Not Divulged |
|
Contact No.: |
91-7039216673 |
|
Date : |
18.02.2018 |
Tel. No.: 91-22-26527047/ 26527232– Continuously ringing
LOCATIONS
|
Registered Office : |
Unit No.608, 6th Floor, The Capital, Plot No.C-70, G Block, A Wing,
Behind ICICI Bank, BKC, Bandra-East,
Mumbai – 400051, Maharashtra, India |
|
Tel. No.: |
91-22-26527047 / 26527048 / 26527232 |
|
Mobile No.: |
91-7039216673 (Mr. Ajay) |
|
Fax No.: |
Not Available |
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E-Mail : |
|
|
Website : |
PARTNERS
|
Name : |
Mr. Rajpurohit Karmvirsingh Gangasingh |
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Designation : |
Designated Partner |
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Address : |
19/20, Trinath Society PIJ Road, Nadiad 387002 |
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|
Date of Appointment : |
19.06.2014 |
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DPIN No.: |
01542026 |
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Other Directorship:
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Name : |
Mr. Saurabh Kundan Bordia |
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|
Designation : |
Designated Partner |
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|
Address : |
A/402, Shiv Gauri Apartment, Chincholi Bunder Link Road, Opposite
Greens Hotel, Malad West Dely , Mumbai – 400064, Maharashtra, India |
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|
Date of Appointment : |
12.03.2015 |
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DPIN No.: |
05153224 |
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Other Directorship:
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OBLIGATION DETAILS
As on 31.03.2017
|
Names of Shareholders |
|
INR in Million |
|
Saurabh Kundan Bordia |
|
1.000 |
|
Rajpurohit Karmvirsingh Gangasingh |
|
9.000 |
|
Total |
|
10.000 |
BUSINESS DETAILS
|
Line of Business : |
Subject is engaged in real estate development projects such as construction of residential complex, Malls. (Registered activity) |
|
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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 : |
Not Divulged |
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Terms : |
Not Divulged |
GENERAL INFORMATION
|
Suppliers : |
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Customers : |
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No. of Employees : |
Information declined by the management |
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Bankers : |
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Facilities : |
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Auditors : |
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|
Name : |
Sudheendra and Company LLP Chartered Accountants |
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|
Address : |
B-301, Kamla Habitat, Kalina Santacruz (East), Mumbai – 400098,
Maharashtra, India |
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Mobile No.: |
91-9930127733 |
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E-Mail : |
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Memberships No.: |
200036 |
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Memberships : |
Not Available |
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Collaborators : |
Not Available |
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Sister Concern: |
Not Available |
CAPITAL STRUCTURE
As on 31.03.2017
|
Partners'
Fixed Capital: |
INR
in Million |
|
Rajpurohit Karmvirsingh Gangasingh |
9.000 |
|
Saurabh Kundan Bordia |
1.000 |
|
Total |
10.000 |
FINANCIAL DATA
[all figures are
in INR Million]
ABRIDGED
BALANCE SHEET
|
SOURCES
OF FUNDS |
31.03.2017 |
31.03.2016 |
31.03.2015 |
|
|
|
|
|
|
I.
EQUITY AND LIABILITIES |
|
|
|
|
(1)Shareholders' Funds |
|
|
|
|
(a) Partners' Fixed Capital |
10.000 |
0.100 |
0.100 |
|
(b) Reserves & Surplus |
4.553 |
4.019 |
(9.424) |
|
(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) |
14.553 |
4.119 |
(9.324) |
|
|
|
|
|
|
(3) Non-Current Liabilities |
|
|
|
|
(a) long-term borrowings |
6.978 |
7.117 |
3.151 |
|
(b) Deferred tax liabilities
(Net) |
0.000 |
0.000 |
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) |
6.978 |
7.117 |
3.151 |
|
|
|
|
|
|
(4) Current Liabilities |
|
|
|
|
(a) Short term borrowings |
35.180 |
65.954 |
37.165 |
|
(b) Trade payables |
16.204 |
6.012 |
8.139 |
|
(c) Other current liabilities |
231.497 |
255.879 |
285.696 |
|
(d) Short-term provisions |
0.000 |
0.000 |
0.000 |
|
Total
Current Liabilities (4) |
282.881 |
327.845 |
331.000 |
|
|
|
|
|
|
TOTAL |
304.412 |
339.081 |
324.827 |
|
|
|
|
|
|
II.
ASSETS |
|
|
|
|
(1) Non-current assets |
|
|
|
|
(a) Fixed Assets |
|
|
|
|
(i) Tangible assets |
4.160 |
4.850 |
5.219 |
|
(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 |
4.945 |
4.395 |
0.001 |
|
(c) Deferred tax assets (net) |
0.000 |
0.000 |
0.000 |
|
(d) Long-term Loan and Advances |
40.700 |
30.700 |
0.000 |
|
(e) Other Non-current assets |
0.427 |
0.065 |
0.000 |
|
Total
Non-Current Assets |
50.232 |
40.010 |
5.220 |
|
|
|
|
|
|
(2) Current assets |
|
|
|
|
(a) Current investments |
0.000 |
0.000 |
0.000 |
|
(b) Inventories |
0.000 |
1.100 |
79.385 |
|
(c) Trade receivables |
0.000 |
0.000 |
0.000 |
|
(d) Cash and cash equivalents |
6.351 |
5.161 |
2.001 |
|
(e) Short-term loans and
advances |
243.716 |
289.440 |
233.444 |
|
(f) Other current assets |
4.113 |
3.370 |
4.777 |
|
Total
Current Assets |
254.180 |
299.071 |
319.607 |
|
|
|
|
|
|
TOTAL |
304.412 |
339.081 |
324.827 |
PROFIT
& LOSS ACCOUNT
|
|
PARTICULARS |
31.03.2017 |
31.03.2016 |
31.03.2015 |
|
|
SALES |
|
|
|
|
|
Income |
101.064 |
156.161 |
0.000 |
|
|
Other Income |
0.494 |
0.300 |
0.008 |
|
|
TOTAL
|
101.558 |
156.461 |
0.008 |
|
|
|
|
|
|
|
Less |
EXPENSES |
|
|
|
|
|
Cost of Construction |
69.788 |
121.793 |
0.000 |
|
|
Other expenses |
24.234 |
18.991 |
7.128 |
|
|
TOTAL |
94.022 |
140.784 |
7.128 |
|
|
|
|
|
|
|
|
PROFIT/
(LOSS) BEFORE INTEREST, TAX,
DEPRECIATION AND AMORTISATION |
7.536 |
15.677 |
(7.120) |
|
|
|
|
|
|
|
Less |
FINANCIAL
EXPENSES |
0.947 |
0.436 |
0.204 |
|
|
|
|
|
|
|
|
PROFIT
/ (LOSS) BEFORE TAX, DEPRECIATION AND AMORTISATION |
6.589 |
15.241 |
(7.324) |
|
|
|
|
|
|
|
Less/
Add |
DEPRECIATION/
AMORTISATION |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
PROFIT/
(LOSS) BEFORE TAX |
6.589 |
15.241 |
(7.324) |
|
|
|
|
|
|
|
Less |
TAX |
2.036 |
1.797 |
0.000 |
|
|
|
|
|
|
|
|
PROFIT/
(LOSS) AFTER TAX |
4.553 |
13.444 |
(7.324) |
|
|
|
|
|
|
|
Add |
PREVIOUS
YEARS’ BALANCE BROUGHT FORWARD |
4.020 |
(9.424) |
(2.100) |
|
|
|
|
|
|
|
|
Balance
Carried to the B/S |
8.573 |
4.020 |
(9.424) |
KEY
RATIOS
EFFICIENCY RATIOS
|
PARTICULARS |
31.03.2017 |
31.03.2016 |
31.03.2015 |
|
Average Collection Days (Sundry Debtors / Total Income * 365 Days) |
0.00 |
0.00 |
0.00 |
|
|
|
|
|
|
Account Receivables Turnover (Total Income /
Sundry Debtors) |
0.00 |
0.00 |
0.00 |
|
|
|
|
|
|
Average Payment Days (Sundry Creditors
/ Purchases * 365 Days) |
84.75 |
18.02 |
0.00 |
|
|
|
|
|
|
Inventory Turnover (Operating Income
/ Inventories) |
0.00 |
14.25 |
(0.09) |
|
|
|
|
|
|
Asset Turnover (Operating Income
/ Net Fixed Assets) |
1.81 |
3.23 |
(1.36) |
LEVERAGE RATIOS
|
PARTICULARS |
31.03.2017 |
31.03.2016 |
31.03.2015 |
|
Debt Ratio ((Borrowing + Current Liabilities) / Total
Assets) |
0.95 |
0.99 |
1.03 |
|
|
|
|
|
|
Debt Equity Ratio (Total Liability
/ Networth) |
2.90 |
17.74 |
(4.32) |
|
|
|
|
|
|
Current Liabilities to Networth (Current
Liabilities / Net Worth) |
19.44 |
79.59 |
(35.50) |
|
|
|
|
|
|
Fixed Assets to Networth (Net Fixed Assets
/ Networth) |
0.29 |
1.18 |
(0.56) |
|
|
|
|
|
|
Interest Coverage Ratio (PBIT / Financial
Charges) |
7.96 |
35.96 |
(34.90) |
PROFITABILITY RATIOS
|
PARTICULARS |
|
31.03.2017 |
31.03.2016 |
31.03.2015 |
|
Net Profit Margin ((PAT / Sales) *
100) |
% |
4.48 |
8.59 |
(91450.00) |
|
|
|
|
|
|
|
Return on Total Assets ((PAT / Total
Assets) * 100) |
% |
1.50 |
3.96 |
(2.25) |
|
|
|
|
|
|
|
Return on Investment (ROI) ((PAT / Networth)
* 100) |
% |
31.29 |
326.39 |
78.46 |
SOLVENCY RATIOS
|
PARTICULARS |
31.03.2017 |
31.03.2016 |
31.03.2015 |
|
Current Ratio (Current Assets / Current Liabilities) |
0.90 |
0.91 |
0.97 |
|
|
|
|
|
|
Quick Ratio ((Current Assets
– Inventories) / Current Liabilities) |
0.90 |
0.91 |
0.73 |
|
|
|
|
|
|
G-Score Ratio Financial (Networth / Total
Assets) |
0.05 |
0.01 |
(0.03) |
|
|
|
|
|
|
G-Score Ratio Debt (Debts / Equity
Capital) |
4.22 |
730.71 |
403.16 |
|
|
|
|
|
|
G-Score Ratio Liquidity (Total Current
Assets / Total Current Liabilities) |
0.90 |
0.91 |
0.97 |
Total Liability = Short-term Debt + Long-term
Debt + Current Maturities of Long-term debts
FINANCIAL ANALYSIS
[all figures are
in INR Million]
DEBT EQUITY RATIO
|
Particular |
31.03.2015 |
31.03.2016 |
31.03.2017 |
|
|
INR
In Million |
INR In
Million |
INR
In Million |
|
Partners' Fixed Capital |
0.100 |
0.100 |
10.000 |
|
Reserves & Surplus |
(9.424) |
4.019 |
4.553 |
|
Share Application money pending allotment |
0.000 |
0.000 |
0.000 |
|
Net
worth |
(9.324) |
4.119 |
14.553 |
|
|
|
|
|
|
Long Term borrowings |
3.151 |
7.117 |
6.978 |
|
Short Term borrowings |
37.165 |
65.954 |
35.180 |
|
Total
borrowings |
40.316 |
73.071 |
42.158 |
|
Debt/Equity
ratio |
(4.324) |
17.740 |
2.897 |
YEAR-ON-YEAR GROWTH
|
Year
on Year Growth |
31.03.2015 |
31.03.2016 |
31.03.2017 |
|
|
INR
In Million |
INR
In Million |
INR
In Million |
|
Total
Income |
0.008 |
156.461 |
101.558 |
|
|
|
1,955,662.500 |
(35.091) |
NET PROFIT MARGIN
|
Net
Profit Margin |
31.03.2015 |
31.03.2016 |
31.03.2017 |
|
|
INR
In Million |
INR
In Million |
INR
In Million |
|
Total
Income |
0.008 |
156.461 |
101.558 |
|
Profit |
(7.316) |
13.444 |
4.553 |
|
|
(91450.00%) |
8.59% |
4.48% |
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) |
No |
|
16 |
No. of employees |
Yes |
|
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 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 |
Yes |
|
35 |
Negative Reporting by Auditors in the
Annual Report |
No |
BACKGROUND
Subject was incorporated as a Limited Liability Partnership firm on 17 June, 2010.
The LLP is engaged in real estate development projects such as construction of residential complex, Malls and other commercial segments. The LLP has its project at Goregaon (East), Mumbai.
UNSECURED LOAN
(INR in Million)
|
Unsecured Loan |
31.03.2017 (INR
in Million) |
31.03.2016 (INR
in Million) |
|
Short-term
borrowings |
|
|
|
Inter-Corporate loans |
0.000 |
0.229 |
|
Loans from others |
35.180 |
65.725 |
|
Total |
35.180 |
65.954 |
INDEX OF CHARGES:
|
SNo |
SRN |
Charge Id |
Charge Holder Name |
Date of Creation |
Date of
Modification |
Date of
Satisfaction |
Amount |
Address |
|
1 |
M05357470 |
100130352 |
KOTAK MAHINDRA BANK LIMITED |
26/09/2017 |
- |
- |
100000000.0 |
27BKC, C 27, G Block Bandra Kurla Complex, Bandra (East), Mumbai – 400051, Maharashtra, India |
FIXED ASSETS
- Building
- Plant and Machinery
- Office Equipment
- Computers
- Furniture and Fixture
- 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 records 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 63.90 |
|
|
1 |
INR 90.31 |
|
Euro |
1 |
INR 80.16 |
INFORMATION DETAILS
|
Information
Gathered by : |
SWT |
|
|
|
|
Analysis Done by
: |
NYT |
|
|
|
|
Report Prepared
by : |
SUJ |
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 |
NO |
|
--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.