|
|
|
MIRA INFORM REPORT
|
Report No. : |
483801.2 |
|
Report Date : |
05.01.2018 |
IDENTIFICATION DETAILS
|
Name : |
SHREE ENTERPRISES |
|
|
|
|
Registered
Office : |
M. No.767, Ground Floor, Ashirwad Building, Neharu Chowk,
Rajgurunagar, Taluka Khed, District Pune-410505, Maharashtra |
|
Mobile No.: |
91-9822334020 (Mr. Janardhan Salunke) |
|
|
|
|
Country : |
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|
|
|
|
Financials (as
on) : |
31.03.2017 |
|
|
|
|
Year of
Establishment : |
February, 2011 |
|
|
|
|
Capital
Investment / Paid-up Capital : |
INR 3.921 Million |
|
|
|
|
IEC No.: |
Not Applicable (As informed by the management that firm
does not have export and import) |
|
|
|
|
GSTIN : |
27ANKPG0835E1Z9 |
|
|
|
|
TIN No.: |
Not Divulged |
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|
|
|
PAN No.: [Permanent Account No.] |
ANKPG0835E |
|
|
|
|
Legal Form : |
Sole Proprietary Concern |
|
|
|
|
Line of Business
: |
Manufacturer
and supplier of industrial packaging material. [Confirmed by management] |
|
|
|
|
No. of Employees
: |
10 (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 |
|
Maximum Credit Limit : |
USD 11000 |
|
|
|
|
Status : |
Satisfactory |
|
|
|
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Payment Behaviour : |
Usually correct |
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|
|
|
Litigation : |
Clear |
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|
|
|
Comments : |
Shree Enterprises is a proprietorship concern established in the year 2011. It is a manufacturer and supplier of industrial packaging material. Mr. Janardhan Salunke (Accountant) provided information about the subject to us. For the FY 2017, the concern achieved revenue growth of 4.06% as compared to the previous year along with an average profit margin of 4.06%. The sound financial risk profile of the company is marked by adequate net worth base along with negligible debt balance sheet profile. Payments are reported to be usually correct. In view of aforesaid, the concern can be considered for business dealings at usual trade terms and conditions. Note: Site visit was conducted at the address which you have provided. Our executive has successfully traced the subject on the given address. At the premises, our executive met Mr. Janardhan Salunke (Accountant and Proprietor of Icon Computers) and he confirmed that the subject is situated on the given address. As per our executive’s observation, it is a 3 storey building and subject is situated on the ground floor. Number of employees sighted at the premises were 5. Locality seems to be commercial and area appears to be neutral. Location was easy to find we have not sighted subject’s name board. Note 2: Further our executive contacted Mr. Pradip Ghumatkar (CEO) and he claimed that the given address is the registered address of the subject. |
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 (30.06.2017) |
Current Rating (30.09.2017) |
|
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
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 05.01.2018.
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
|
Name : |
Mr. Janardhan Salunke |
|
Designation : |
Accountant |
|
Contact No.: |
91-9822334020 |
|
Date : |
01.01.2018 |
LOCATIONS
|
Registered Office : |
M. No.767, Ground Floor, Ashirwad Building, Neharu Chowk,
Rajgurunagar, Taluka Khed, District Pune-410505, Maharashtra, India |
|
Tel. No.: |
Not Available |
|
Mobile No.: |
91-9822334020 (Mr. Janardhan Salunke) 91-9850292920 (Mr. Pradip Ghumatkar) |
|
Fax No.: |
Not Available |
|
E-Mail : |
|
|
Area : |
200 Sq. ft. |
|
Location : |
Owned |
|
Locality : |
Commercial |
|
|
|
|
Factory : |
Village Shiroli, Pune-Nashik Highway, Rajgurunagar, District Pune-410505,
Maharashtra, India |
|
Area : |
200 Sq. ft. |
|
Location : |
Rented |
SOLE PROPRIETOR
|
Name : |
Mrs. Jayshree Pradeep Ghumatkar |
|
Designation : |
Proprietor |
|
PAN No.: |
ANKPG0835E |
KEY EXECUTIVES
|
Name : |
Mr. Janardhan Salunke |
|
Designation : |
Accountant |
|
|
|
|
Name : |
Mr. Pradip Ghumatkar |
|
Designation : |
Chief
Executive Officer |
BUSINESS DETAILS
|
Line of Business : |
Manufacturer
and supplier of industrial packaging material. [Confirmed by management] |
|
|
|
|
Products : |
Industrial
packaging material |
|
|
|
|
Brand Names : |
Not Available |
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|
|
|
Agencies Held : |
Not Available |
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|
|
|
Exports : |
Not Available |
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|
|
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Imports : |
Not Available |
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|
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Terms : |
|
|
Selling : |
Cheque and Credit [30,60 90 Days] and RTGS, NEFT |
|
|
|
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Purchasing : |
Cheque and Credit [30,60 90 Days] and RTGS |
GENERAL INFORMATION
|
Suppliers : |
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Customers : |
Manufacturer
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No. of Employees : |
10 (Approximately) |
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Bankers : |
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Auditors : |
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||||||
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Name : |
R. G. Kabra and Associates Chartered Accountants |
||||||
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Address : |
Rajgurunagar, District Pune, Maharashtra, India |
||||||
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Membership No.: |
037432 |
||||||
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||||||
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Collaborators : |
Not Available |
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||||||
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Membership : |
Not Available |
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Sister Concern : |
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CAPITAL STRUCTURE
CAPITAL
ACCOUNT AS ON 31.03.2017
(INR in Million)
|
Particular |
Amount |
Particular |
Amount |
|
Drawings |
0.165 |
Balance B/F |
3.208 |
|
Medical Treatment 80DD |
0.018 |
Net Profit |
0.965 |
|
Income tax 15-16 |
0.069 |
|
|
|
Balance C/F |
3.921 |
|
|
|
Total |
4.173 |
Total |
4.173 |
FINANCIAL DATA
[all figures are
INR Million]
ABRIDGED
BALANCE SHEET
|
SOURCES OF FUNDS |
|
31.03.2017 |
31.03.2016 |
|
|
SHAREHOLDERS FUNDS |
|
|
|
|
|
1] Proprietor Capital |
|
3.921 |
3.208 |
|
|
2] Share Application Money |
|
0.000 |
0.000 |
|
|
3] Reserves & Surplus |
|
0.000 |
0.000 |
|
|
4] (Accumulated Losses) |
|
0.000 |
0.000 |
|
|
NETWORTH |
|
3.921 |
3.208 |
|
|
LOAN FUNDS |
|
|
|
|
|
1] Secured Loans |
|
0.000 |
0.000 |
|
|
2] Unsecured Loans |
|
0.703 |
0.575 |
|
|
TOTAL
BORROWING |
|
0.703 |
0.575 |
|
|
DEFERRED TAX LIABILITIES |
|
0.000 |
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
|
4.624 |
3.783 |
|
|
|
|
|
|
|
|
APPLICATION OF FUNDS |
|
|
|
|
|
|
|
|
|
|
|
FIXED ASSETS [Net Block] |
|
0.591 |
0.096 |
|
|
Capital work-in-progress |
|
0.000 |
0.000 |
|
|
|
|
|
|
|
|
INVESTMENT |
|
0.002 |
0.001 |
|
|
DEFERREX TAX ASSETS |
|
0.000 |
0.000 |
|
|
|
|
|
|
|
|
CURRENT ASSETS, LOANS & ADVANCES |
|
|
|
|
|
|
Inventories |
|
1.172 |
0.485 |
|
|
Sundry Debtors |
|
6.088 |
4.941 |
|
|
Cash & Bank Balances |
|
0.943 |
1.397 |
|
|
Other Current Assets |
|
0.000 |
0.000 |
|
|
Loans & Advances and deposits |
|
1.763 |
1.341 |
|
Total Current Assets |
|
9.966 |
8.164 |
|
|
Less : CURRENT LIABILITIES & PROVISIONS |
|
|
|
|
|
|
Sundry Creditors |
|
5.450 |
4.237 |
|
|
Other Current Liabilities |
|
0.000 |
(0.002) |
|
|
Provisions |
|
0.485 |
0.243 |
|
Total Current Liabilities |
|
5.935 |
4.478 |
|
|
Net Current
Assets |
|
4.031 |
3.686 |
|
|
|
|
|
|
|
|
MISCELLANEOUS EXPENSES |
|
0.000 |
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
|
4.624 |
3.783 |
|
PROFIT
& LOSS ACCOUNT
|
|
PARTICULARS |
|
31.03.2017 |
31.03.2016 |
|
|
SALES |
|
|
|
|
|
Income |
|
23.782 |
22.854 |
|
|
Other Income |
|
0.027 |
0.000 |
|
|
TOTAL |
|
23.809 |
22.854 |
|
|
|
|
|
|
|
Less |
EXPENSES |
|
|
|
|
|
Cost of goods sold |
|
19.867 |
18.565 |
|
|
Transport and hamali |
|
0.870 |
0.846 |
|
|
Advertisement |
|
0.016 |
0.010 |
|
|
Audit fees |
|
0.015 |
0.012 |
|
|
Electricity expenses |
|
0.078 |
0.041 |
|
|
Fabrication charges |
|
0.090 |
0.000 |
|
|
Fumigation charges |
|
0.064 |
0.080 |
|
|
Godown rent |
|
0.070 |
0.117 |
|
|
Insurance |
|
0.007 |
0.003 |
|
|
Labour charges paid |
|
0.990 |
0.000 |
|
|
Professional fees |
|
0.014 |
0.014 |
|
|
Salaries and wages |
|
0.544 |
1.200 |
|
|
Shop expenses |
|
0.010 |
0.004 |
|
|
Shop rent |
|
0.075 |
0.000 |
|
|
Telephone and mobile
expenses |
|
0.017 |
0.015 |
|
|
Travelling expenses |
|
0.024 |
0.024 |
|
|
Repairs to machinery |
|
0.000 |
0.009 |
|
|
Sandip rale |
|
0.000 |
0.941 |
|
|
TOTAL |
|
22.751 |
21.881 |
|
|
|
|
|
|
|
|
PROFIT / (LOSS) BEFORE INTEREST,
DEPRECIATION AND AMORTISATION |
|
1.058 |
0.973 |
|
|
|
|
|
|
|
Less |
FINANCIAL EXPENSES |
|
0.030 |
0.032 |
|
|
|
|
|
|
|
|
PROFIT / (LOSS) BEFORE
DEPRECIATION AND AMORTISATION |
|
1.028 |
0.941 |
|
|
|
|
|
|
|
Less |
DEPRECIATION/
AMORTISATION |
|
0.062 |
0.030 |
|
|
|
|
|
|
|
|
NET PROFIT |
|
0.966 |
0.911 |
Expected Sales (2017-2018): INR 30.000 Million
The above information has been parted by Mr. Janardhan Salunke (Accountant)
Note: Sole Proprietary and Partnership concerns are
exempted from filing their financials with the Government Authorities or
Registry.
KEY
RATIOS
EFFICIENCY RATIOS
|
PARTICULARS |
|
31.03.2017 |
31.03.2016 |
|
Average Collection Days (Sundry Debtors
/ Income * 365) |
|
93.44 |
78.91 |
|
|
|
|
|
|
Account Receivables Turnover (Income /
Sunday Debtors) |
|
3.91 |
4.63 |
|
|
|
|
|
|
Average Payment Days (Sundry Creditors / Purchases * 365 Days) |
|
100.13 |
83.30 |
|
|
|
|
|
|
Inventory Turnover (Operating Income / Inventories) |
|
0.90 |
2.01 |
|
|
|
|
|
|
Asset Turnover (Operating Income / Net Fixed Assets) |
|
1.79 |
10.14 |
LEVERAGE RATIOS
|
PARTICULARS |
|
31.03.2017 |
31.03.2016 |
|
Debt Ratio ((Borrowing
+ Current Liabilities) / Total Assets) |
|
0.63 |
0.61 |
|
|
|
|
|
|
Debt Equity Ratio (Total Liability / Networth) |
|
0.18 |
0.18 |
|
|
|
|
|
|
Current Liabilities to Networth (Current Liabilities / Net Worth) |
|
1.69 |
1.58 |
|
|
|
|
|
|
Fixed Assets to Networth (Net Fixed Assets / Networth) |
|
0.15 |
0.03 |
|
|
|
|
|
|
Interest Coverage Ratio (PBIT / Financial Charges) |
|
35.27 |
30.41 |
PROFITABILITY RATIOS
|
PARTICULARS |
|
|
31.03.2017 |
31.03.2016 |
|
Net Profit Margin [(PAT
/ Sales) * 100] |
% |
|
4.06 |
3.99 |
|
|
|
|
|
|
|
Return on Total Assets ((PAT / Total Assets) * 100) |
% |
|
9.15 |
11.03 |
|
|
|
|
|
|
|
Return on Investment (ROI) ((PAT / Networth) * 100) |
% |
|
24.64 |
28.40 |
SOLVENCY RATIOS
|
PARTICULARS |
|
31.03.2017 |
31.03.2016 |
|
Current Ratio (Current
Assets / Current Liabilities) |
|
1.50 |
1.62 |
|
|
|
|
|
|
Quick Ratio ((Current Assets – Inventories) / Current
Liabilities) |
|
1.32 |
1.52 |
|
|
|
|
|
|
G-Score Ratio Financial (Networth / Total Assets) |
|
0.37 |
0.39 |
|
|
|
|
|
|
G-Score Ratio Debt (Debts / Equity Capital) |
|
0.18 |
0.18 |
|
|
|
|
|
|
G-Score Ratio Liquidity (Total Current Assets / Total Current Liabilities) |
|
1.50 |
1.62 |
Total
Liability = Short-term Debt + Long-term Debt + Current Maturities of Long-term
debts
FINANCIAL ANALYSIS
[all figures are
INR Million]
DEBT EQUITY RATIO
|
Particular |
31.03.2016 |
31.03.2017 |
|
|
INR In Million |
INR In Million |
|
Proprietor Capital |
3.208 |
3.921 |
|
Reserves & Surplus |
0.000 |
0.000 |
|
Net worth |
3.208 |
3.921 |
|
|
|
|
|
Secured Loans |
0.000 |
0.000 |
|
Unsecured Loans |
0.575 |
0.703 |
|
Total borrowings |
0.575 |
0.703 |
|
Debt/Equity ratio |
0.179 |
0.179 |
YEAR-ON-YEAR GROWTH
|
Year on Year Growth |
31.03.2016 |
31.03.2017 |
|
|
INR In Million |
INR In Million |
|
Sales |
22.854 |
23.782 |
|
|
4.061 |
NET PROFIT MARGIN
|
Net Profit Margin |
31.03.2016 |
31.03.2017 |
|
|
INR In Million |
INR In Million |
|
Sales |
22.854 |
23.782 |
|
Profit |
0.911 |
0.966 |
|
|
3.99% |
4.06% |
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 |
Yes |
|
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 |
Yes |
|
18 |
Major suppliers |
No |
|
19 |
Major customers |
Yes |
|
20 |
Banking Details |
Yes |
|
21 |
Banking facility details |
No |
|
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 |
No |
|
26 |
Turnover of firm for last two years |
Yes |
|
27 |
Reasons for variation <> 20% |
-- |
|
28 |
Estimation for coming financial year |
Yes |
|
29 |
Profitability for last two years |
Yes |
|
30 |
Major shareholders, if available |
No |
|
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 |
|
OBSERVATION
POINTS |
|
Address : |
M. No.767, Ground Floor, Ashirwad Building, Neharu Chowk,
Rajgurunagar, Taluka Khed, District Pune-410505, Maharashtra, India |
|
|
|
|
Mobile No.: |
91-9822334020 |
|
|
|
|
E-Mail : |
|
|
|
|
|
Person to whom we met: |
Mr. Janardhan Salunke Designation:Accountant (Proprietor of Icon Computers) |
|
|
|
|
Name Board: |
Not Sighted |
|
|
|
|
Location: |
Easy |
|
|
|
|
Landmark (If Any): |
Near Bolai Mata Temple |
|
|
|
|
Total Floors of the building: |
3 Floors |
|
|
|
|
Subject situated on : |
Ground Floor |
|
|
|
|
Locality: |
Commercial |
|
|
|
|
Area : |
Neutral |
|
|
|
|
No. of Employees
seen at Premises : |
5 |
|
|
|
|
Visibility of
Items: |
|
|
|
|
|
Furniture items
sighted : |
1 Table and 4 Chairs |
|
|
|
|
Neighbour’s Interview : |
|
|
Name of company
: |
Yash Collection (Left side) |
|
|
|
|
Name of company
: |
Choudhari Carpet Agency (1st Floor) |
|
|
|
|
Proof of visit: |
Photograph |
UNSECURED LOANS:
|
Particulars |
31.03.2017 INR In Million |
31.03.2016 INR In Million |
|
Unsecured Rupee Loan |
|
|
|
Pradip Mohan Ghumatkar |
0.703 |
0.575 |
|
Total |
0.703 |
0.575 |
FIXED ASSETS:
- Plant and Machinery
- Furniture and
Fixture
- 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 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 63.39 |
|
UK Pound |
1 |
INR 85.74 |
|
Euro |
1 |
INR 76.25 |
INFORMATION DETAILS
|
Information
Gathered by : |
PON |
|
|
|
|
Analysis Done by
: |
PRY |
|
|
|
|
Report Prepared
by : |
BHG |
SCORE FACTORS
|
DEMERIT POINTS |
|
|
|
--BANK CHARGES |
YES/NO |
NO |
|
--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 |
YES |
|
--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.