|
|
|
MIRA INFORM REPORT
|
Report No. : |
486218 |
|
Report Date : |
17.01.2018 |
IDENTIFICATION DETAILS
|
Name : |
K K ENTERPRISE |
|
|
|
|
Registered
Office : |
25, Ganeshwadi , M.J. Market, Kalbadevi Road, Mumbai-400002,
Maharashtra |
|
Tel. No.: |
91-22-22414758/ 22410792 |
|
|
|
|
Country : |
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|
|
|
|
Financials (as
on) : |
31.03.2017 |
|
|
|
|
Year of
Establishment : |
March, 2003 |
|
|
|
|
Capital Investment
: |
INR 7.124 Million |
|
|
|
|
IEC No.: |
0303010240 |
|
|
|
|
TIN No.: |
27930552385 |
|
|
|
|
PAN No.: [Permanent Account No.] |
AOPPS9040H |
|
|
|
|
GSTIN : |
27AOPPS9040H1ZD |
|
|
|
|
Legal Form : |
Sole Proprietary Concern |
|
|
|
|
Line of Business
: |
Manufacturer of Readymade Garments. (Confirmed by Management) |
|
|
|
|
No. of Employees
: |
380 (Approximately) |
RATING & COMMENTS
(Mira Inform has adopted New Rating mechanism w.e.f. 23rd
January 2017)
|
MIRA’s Rating : |
B |
|
Credit Rating |
Explanation |
Rating Comments |
|
B |
Medium Risk |
Business dealings permissible on a regular
monitoring basis |
|
Maximum Credit Limit : |
USD 20354 |
|
|
|
|
Status : |
Moderate |
|
|
|
|
Payment Behaviour : |
Slow but correct |
|
|
|
|
Litigation : |
Clear |
|
|
|
|
Comments : |
K K Enterprise is engaged in manufacturing of readymade garments. The
concern was started in the year 2003 and is based in Mumbai, Maharashtra. It is
an established proprietary concern having moderate track record. As per available audited financials of 2017, revenue and profit of the
concern has sharply declined. The rating is also constrained on account of huge borrowings recorded
by the concern which may act as a threat and high competition from organized
and unorganized players in garments industry. Trade relations are reported as fair. Business is active. Payments are
slow but correct. The concern 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
|
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 17.01.2018.
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. Sahil Shah |
|
Designation : |
Chief Executive Officer |
|
Contact No.: |
91-9321150161 |
|
Date : |
13.01.2018 |
LOCATIONS
|
Registered Office : |
25, Ganeshwadi , M.J. Market, Kalbadevi Road, Mumbai-400002,
Maharashtra, India |
|
Tel. No.: |
91-22-22414758/ 22410792 |
|
Mobile No.: |
91-9321150161 (Mr. Sahil Shah) |
|
Fax No.: |
Not Available |
|
E-Mail : |
|
|
Area : |
1200 Sq. ft. |
|
Location : |
Owned |
|
|
|
|
Factory: |
Gala No. E-1, Building No. 1971/1 and 221, Oswal Industrial Complex,
Sonale Village, Taluka Bhiwandi, District Thane-421302, Maharashtra India |
|
Tel. No.: |
91-25-22282380 |
|
E-Mail : |
|
|
Area : |
6000 Sq. Ft. |
|
Location : |
Rented |
SOLE PROPRIETOR
|
Name : |
Mr. Kinnari Sahil Shah |
|
Designation : |
Proprietor |
|
Address : |
9, Babulnath Road, 2nd Floor, Matruchya Building,
Babulnath, Mumbai – 400007, Maharashtra, India |
|
Date of Birth/Age : |
14.04.1978 |
|
Experience : |
13 Years |
|
PAN No |
AOPPS9040H |
KEY EXECUTIVES
|
Name : |
Mr. Sahil Shah |
|
Designation : |
Chief Executive Officer |
BUSINESS DETAILS
|
Line of Business : |
Manufacturer of Readymade Garments. (Confirmed by Management) |
|
|
|
|
Products : |
Readymade Garments |
|
|
|
|
Brand Names : |
Not Available |
|
|
|
|
Agencies Held : |
Not Available |
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|
|
|
Exports : |
Not Available |
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|
|
|
Imports : |
Not Available |
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|
|
|
Terms : |
|
|
Selling : |
Cash and Credit (30 Days) |
|
|
|
|
Purchasing : |
Cash and Credit (30 Days) |
GENERAL INFORMATION
|
Suppliers : |
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||||||||||||||||||||||
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Customers : |
Retailers and End Users
|
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||||||||||||||||||||||
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No. of Employees : |
380 [Approximately] |
||||||||||||||||||||||
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|
|
||||||||||||||||||||||
|
Bankers : |
|
|
Auditors : |
|
|
Name : |
Borkar and Muzumdar Chartered Accountants |
|
Tel No: |
91-22-26691254 |
|
Email: |
|
|
|
|
|
Memberships : |
Not Available |
|
|
|
|
Collaborators : |
Not Available |
|
|
|
|
Sister Concern : |
·
K N Garments Address: 2nd
Floor, Matruchaya Building, Babulnath, Mumbai – 400002, Maharashtra, India Line of
Business: Readymade Garments |
CAPITAL STRUCTURE
AS ON 31.03.2017
|
Capital Investment : |
|
|
Owned : |
INR 7.124 Million |
|
Borrowed : |
-- |
|
Total : |
INR 7.124
Million |
FINANCIAL DATA
[all figures are
in INR Million]
ABRIDGED
BALANCE SHEET
|
SOURCES OF FUNDS |
31.03.2017 |
31.03.2016 |
31.03.2015 |
|
|
SHAREHOLDERS FUNDS |
|
|
|
|
|
1] Capital Account |
7.124 |
12.445 |
13.052 |
|
|
2] Reserves & Surplus |
0.000 |
0.000 |
0.000 |
|
|
NETWORTH |
7.124 |
12.445 |
13.052 |
|
|
LOAN FUNDS |
|
|
|
|
|
1] Secured Loans |
136.245 |
147.064 |
98.593 |
|
|
2] Unsecured Loans |
22.226 |
54.005 |
18.750 |
|
|
TOTAL BORROWING |
158.471 |
201.069 |
117.343 |
|
|
DEFERRED TAX LIABILITIES |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
165.595 |
213.514 |
130.395 |
|
|
|
|
|
|
|
|
APPLICATION OF
FUNDS |
|
|
|
|
|
|
|
|
|
|
|
FIXED ASSETS [Net Block] |
11.248 |
13.002 |
14.745 |
|
|
Capital work-in-progress |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
INVESTMENT |
27.376 |
20.879 |
19.324 |
|
|
DEFERRED TAX ASSETS |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
CURRENT ASSETS, LOANS & ADVANCES |
|
|
|
|
|
|
Inventories |
39.534
|
83.281 |
33.779 |
|
|
Sundry Debtors |
28.828
|
42.043 |
76.574 |
|
|
Cash & Bank Balances |
1.517
|
6.006 |
1.531 |
|
|
Other Current Assets |
0.000
|
0.539 |
0.588 |
|
|
Loans & Advances |
165.873
|
152.102
|
131.916 |
|
Total
Current Assets |
235.752
|
283.971
|
244.388
|
|
|
Less :
CURRENT LIABILITIES & PROVISIONS |
|
|
|
|
|
|
Sundry Creditors |
107.692
|
103.994 |
145.896 |
|
|
Other Current Liabilities |
1.089
|
0.344 |
0.000 |
|
|
Provisions |
0.000
|
0.000 |
2.166 |
|
Total
Current Liabilities |
108.781
|
104.338
|
148.062
|
|
|
Net Current Assets |
126.971
|
179.633 |
96.326 |
|
|
|
|
|
|
|
|
MISCELLANEOUS EXPENSES |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
165.595 |
213.513 |
130.395 |
|
PROFIT
& LOSS ACCOUNT
|
|
PARTICULARS |
31.03.2017 |
31.03.2016 |
31.03.2015 |
|
|
|
SALES |
|
|
|
|
|
|
|
Sales |
197.938 |
261.793 |
392.701 |
|
|
|
Other Income |
5.767 |
4.721 |
2.375 |
|
|
|
TOTAL |
203.705 |
266.514 |
395.076 |
|
|
|
|
|
|
|
|
Less |
EXPENSES |
|
|
|
|
|
|
|
Cost of Goods Sold |
176.225 |
223.810 |
319.136 |
|
|
|
Transportation Exp |
2.794 |
6.775 |
0.000 |
|
|
|
Discount Allowed |
9.452 |
11.359 |
15.027 |
|
|
|
Export Clearing Expenses |
0.118 |
0.179 |
0.000 |
|
|
|
audit fees |
0.000 |
0.075 |
0.000 |
|
|
|
Salary |
2.963 |
2.913 |
0.000 |
|
|
|
Brokerage/Commission
Expenses |
2.716 |
0.498 |
0.000 |
|
|
|
Business Promotion
Expenses |
0.786 |
1.334 |
0.000 |
|
|
|
Car expenses |
0.000 |
0.168 |
0.000 |
|
|
|
Car Insurance |
0.125 |
0.187 |
0.000 |
|
|
|
Conveyance Exp |
0.355 |
0.110 |
0.000 |
|
|
|
Electricity Exp. |
0.127 |
0.582 |
0.000 |
|
|
|
Motor Car Expenses |
0.063 |
0.000 |
0.000 |
|
|
|
legal case |
0.000 |
0.025 |
0.000 |
|
|
|
Mukadami & Hamali |
0.378 |
0.247 |
0.000 |
|
|
|
Office Expenses |
0.141 |
0.048 |
0.000 |
|
|
|
Packing Expenses |
0.861 |
1.101 |
0.891 |
|
|
|
Postage & Angadia |
0.082 |
0.027 |
0.000 |
|
|
|
Printing & Stationery |
0.081 |
0.059 |
0.000 |
|
|
|
Professional Fees |
0.065 |
0.163 |
0.000 |
|
|
|
Profession Tax Paid |
0.003 |
0.003 |
0.000 |
|
|
|
Rent on godown |
0.000 |
0.020 |
0.000 |
|
|
|
Rate and taxes |
0.425 |
0.000 |
0.000 |
|
|
|
Rent for Shop |
0.352 |
0.316 |
0.000 |
|
|
|
Repairs & Maintenance |
0.146 |
0.026 |
0.000 |
|
|
|
Sales tax paid |
0.436 |
7.532 |
25.994 |
|
|
|
Shop insurance |
0.068 |
0.061 |
0.000 |
|
|
|
Salary of staff |
0.000 |
0.000 |
3.605 |
|
|
|
Staff Welfare expenses |
0.082 |
0.046 |
0.000 |
|
|
|
Sundry Expenses |
0.225 |
0.152 |
0.000 |
|
|
|
Telephone Exp |
0.249 |
0.258 |
0.000 |
|
|
|
Testing Charges |
0.046 |
0.021 |
0.000 |
|
|
|
Travelling Exp. |
0.220 |
0.434 |
0.000 |
|
|
|
Transportation expenses |
0.000 |
0.044 |
9.746 |
|
|
|
Other expenses |
0.000 |
0.000 |
6.529 |
|
|
|
TOTAL |
199.584 |
258.573 |
380.928 |
|
|
|
|
|
|
|
|
|
PROFIT/ (LOSS)
BEFORE INTEREST, DEPRECIATION
AND AMORTISATION |
4.121 |
7.941 |
14.148 |
|
|
|
|
|
|
|
|
|
Less |
FINANCIAL EXPENSES |
1.194 |
2.909 |
6.332 |
|
|
|
|
|
|
|
|
|
|
PROFIT / (LOSS) BEFORE DEPRECIATION AND AMORTISATION |
2.927 |
5.032 |
7.816 |
|
|
|
|
|
|
|
|
|
Less/ Add |
DEPRECIATION/ AMORTISATION |
1.856 |
2.182 |
2.460 |
|
|
|
|
|
|
|
|
|
|
NET PROFIT/
(LOSS) |
1.071 |
2.850 |
5.356 |
|
KEY
RATIOS
EFFICIENCY RATIOS
|
PARTICULARS |
31.03.2017 |
31.03.2016 |
31.03.2015 |
|
Average Collection Days (Sundry Debtors / Income * 365 Days) |
53.16 |
58.62 |
71.17 |
|
|
|
|
|
|
Account Receivables Turnover (Income / Sundry Debtors) |
6.87 |
6.23 |
5.13 |
|
|
|
|
|
|
Average Payment Days (Sundry Creditors / Purchases * 365 Days) |
223.05 |
169.60 |
166.86 |
|
|
|
|
|
|
Inventory Turnover (Operating Income / Inventories) |
0.10 |
0.10 |
0.42 |
|
|
|
|
|
|
Asset Turnover (Operating Income / Net Fixed Assets) |
0.37 |
0.61 |
0.96 |
LEVERAGE RATIOS
|
PARTICULARS |
31.03.2017 |
31.03.2016 |
31.03.2015 |
|
Debt Ratio ((Borrowing + Current Liabilities) / Total Assets) |
0.97 |
0.96 |
0.95 |
|
|
|
|
|
|
Debt Equity Ratio (Total Liability / Networth) |
22.24 |
16.16 |
8.99 |
|
|
|
|
|
|
Current Liabilities to Networth (Current Liabilities / Net Worth) |
18.39 |
12.72 |
12.78 |
|
|
|
|
|
|
Fixed Assets to Networth (Net Fixed Assets / Networth) |
1.58 |
1.04 |
1.13 |
|
|
|
|
|
|
Interest Coverage Ratio (PBIT / Financial Charges) |
3.45 |
2.73 |
2.23 |
PROFITABILITY RATIOS
|
PARTICULARS |
|
31.03.2017 |
31.03.2016 |
31.03.2015 |
|
Net Profit Margin ((PAT / Sales) * 100) |
% |
0.54 |
1.09 |
1.36 |
|
|
|
|
|
|
|
Return on Total Assets ((PAT / Total Assets) * 100) |
% |
0.39 |
0.90 |
1.92 |
|
|
|
|
|
|
|
Return on Investment (ROI) ((PAT / Networth) * 100) |
% |
15.03 |
22.90 |
41.04 |
SOLVENCY RATIOS
|
PARTICULARS |
31.03.2017 |
31.03.2016 |
31.03.2015 |
|
Current Ratio (Current Assets / Current Liabilities) |
1.80 |
1.79 |
1.47 |
|
|
|
|
|
|
Quick Ratio ((Current Assets – Inventories) / Current
Liabilities) |
1.50 |
1.27 |
1.26 |
|
|
|
|
|
|
G-Score Ratio Financial (Networth / Total Assets) |
0.03 |
0.04 |
0.05 |
|
|
|
|
|
|
G-Score Ratio Debt (Debts / Equity Capital) |
22.24 |
16.16 |
8.99 |
|
|
|
|
|
|
G-Score Ratio Liquidity (Total Current Assets / Total Current Liabilities) |
1.80 |
1.79 |
1.47 |
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 |
|
Capital Account |
13.052 |
12.445 |
7.124 |
|
Reserves & Surplus |
0.000 |
0.000 |
0.000 |
|
Net
worth |
13.052 |
12.445 |
7.124 |
|
|
|
|
|
|
Secured loans |
98.593 |
147.064 |
136.245 |
|
Unsecured Loans |
18.750 |
54.005 |
22.226 |
|
Total
borrowings |
117.343 |
201.069 |
158.471 |
|
Debt/Equity
ratio |
8.990 |
16.157 |
22.245 |
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 |
|
Sales |
392.701 |
261.793 |
197.938 |
|
|
|
(33.335) |
(24.391) |
NET PROFIT MARGIN
|
Net
Profit Margin |
31.03.2015 |
31.03.2016 |
31.03.2017 |
|
|
INR
In Million |
INR
In Million |
INR
In Million |
|
Sales |
392.701 |
261.793 |
197.938 |
|
Profit |
5.356 |
2.850 |
1.071 |
|
|
1.36% |
1.09% |
0.54% |
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 |
Yes |
|
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 |
Yes |
|
19 |
Major customers |
Yes |
|
20 |
Banking Details |
Yes |
|
21 |
Banking facility details |
Yes |
|
22 |
Conduct of the banking account |
Yes |
|
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 |
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 63.76 |
|
UK Pound |
1 |
INR 87.91 |
|
Euro |
1 |
INR 78.20 |
INFORMATION DETAILS
|
Information
Gathered by : |
SUP |
|
|
|
|
Analysis Done by
: |
DIV |
|
|
|
|
Report Prepared
by : |
ARC |
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.