The Directors of Bella Casa Fashion & Retail Limited have the pleasure of presenting their 26th Annual Report on the business and operations of the Company together with the Audited Financial Statements for the year ended 31st March, 2022.
1. FINANCIAL RESULTS
The audited financial results of the Company for the year ended 31st March, 2022 are summarized below:
Rs. in Lacs
|Revenue from Operations||20,581.23||12,883.10|
|Earning Before Finance Cost, Depreciation & Amortization and Tax (EBIDTA)||2173.61||1171.25|
|Less: Finance Cost||467.36||322.67|
|Less: Depreciation & Amortization expenses||169.38||113.26|
|Pro t Before Tax and Exceptional Items||1,536.87||735.32|
|Less: Tax Expenses||420.68||195.12|
|Add: Comprehensive Income||7.70||12.01|
|Total Comprehensive Income for the period after Tax||1,123.89||552.21|
|Earnings per equity share: (Face value per Equity Share of|
|RS. 10 each) (In Rs.)|
2. REVIEW OF OPERATIONS AND THE STATE OF COMPANYS AFFAIRS
The Company recorded total revenue of Rs. 20638.35 Lacs during the year under review as against Rs. 12941.34 Lacs in the previous year thereby registered a percentage increase of 59.48%. The profit after tax for the year ended 31st March, 2022 is Rs. 1116.19 Lacs as against Rs. 540.19 Lacs in the previous year showing a percentage increase of 106.63%. EBIDTA during the year increased from 1171.25 Lacs to 2173.61 Lacs registering a percentage increase of 85.58%.
Total comprehensive income for the year after tax stood at 7.70 lacs compared to 12.01 lacs reported in the previous year.
The Board of Directors at their meeting held on 23rd May, 2022, has recommended payment of Rs. 0.91 (Ninety one paisa only) per equity share of the face value of Rs. 10 (Rupees ten only) each as nal dividend for the financial year ended 31st March, 2022. The payment of the nal dividend is subject to the approval of the shareholders at the ensuing Annual General Meeting (AGM) of the Company. The dividend would be payable to all shareholders whose names appear in the Register of Members as on the Record date i.e. Friday, 09th September, 2022. The Register of Members and Share Transfer books shall remain closed from Saturday, 10th September, 2022 to Friday, 16th September, 2022 (both days inclusive).
During the year under review, the Board of Directors of the Company at their meeting held on 02nd November, 2021, declared an Interim Dividend of Rs. 1.00 each (One Rupee Only)per equity share of the face value of Rs.10 (Rupee ten only) each. The interim dividend was paid to the shareholders on 18th November, 2021. The total dividend amount for the financial year 2021-22, including the proposed nal dividend, amounts to Rs. 1.91 (One rupee and ninety-one paise only) per equity share of the face value of Rs.10 (Rupee ten only) each [total dividend pay out for the FY 2021-22 amounting to Rs. 2,19,17,250 (Rupees two crore nineteen lacs seventeen thousand two hundred and fty only)]as against the total dividend of Rs. 0.95 (Paise ninety ve only) per equity share of the face value of Rs. 10 (Rupee ten only) each paid for the previous financial year 2020-21 [total dividend pay out including Dividend Distribution Tax for the FY 2020-21 amounting to Rs. 1,09,01,250 (Rupees One crore nine lacs one thousand two hundred fty only)]. In view of the changes made under the Income-tax Act, 1961, by the Finance Act, 2020, dividends paid or distributed by the Company shall be taxable in the hands of the Shareholders. The Company shall, accordingly, make the payment of the nal dividend after deduction of tax at source.
4. TRANSFER TO RESERVES & SURPLUS
During the year under review, there was no amount transferred to any of the reserves by the Company.
5. IMPACT OF GLOBAL CRISIS: COVID-19
The company has assessed the impact of this pandemic on its business operations and has considered all relevant internal and external information available up to the date of approval of these financial results, in the determination of the recoverability and carrying values of financial assets and non- financial assets. The impact of the current surge in the Covid-19 pandemic on the overall economic environment has receded to a great extent. Your company is conscious of the significant disruption and impact COVID-19 can have on our employees, clients, partners, investors and the communities in which we operate. We are working hard to contain and mitigate its impact.
The Company continues its business activities, in line with the guidelines issued by the Government authorities, take steps to strengthen its liquidity position and further explore cost restructuring exercise. The Company does not foresee any challenges in its ability to continue as going concern or meeting its financial obligations.
6. SHARE CAPITAL
The authorized and paid-up equity share capital as of March 31, 2022, stood at Rs. 11,75,00,000 (Rupees eleven crores seventy ve lacs) and 11,47,50,000 (Rupees eleven crores forty seven lacs fty thousand) respectively.
During the year under review, the Company has not issued shares, convertible securities, shares with differential voting rights nor has granted any stock options or sweat equity or warrants. As of March 31,
2022, none of the directors of the Company hold instruments convertible into Equity Shares of the Company.
7. DECLARATION OF INDEPENDENT DIRECTORS
Your Company has received declarations from all the Independent Directors of the Company and they have con rmed that they meet the criteria of independence laid down under Section 149(6) of the Companies Act, 2013 read with Schedules and the Companies (Appointment and Qualification of Directors) Rules, 2014 and Regulation 16 (1) (b) of the Listing Regulations. The Board of Directors has taken on record the declaration and confirmation submitted by the Independent Directors after undertaking a due assessment of the veracity of the same.
8. FINANCE & ACCOUNTS
As mandated by the Ministry of Corporate A airs, the financial statements for the year ended on March 31, 2022, have been prepared in accordance with the Indian Accounting Standards (IND AS) notified under Section 133 of the Companies Act, 2013 read with the Companies (Accounts) Rules, 2014. The estimates and judgments relating to the Financial Statements are made on a prudent basis, to reflect in a true and fair manner, the form and substance of transactions and reasonably present the Companys state of a airs, profits and cash flows for the year ended March 31, 2022. The notes to the Financial Statements adequately cover Audited Statements and form an integral part of this report.
9. PARTICULARS OF LOANS, GUARANTEES OR INVESTMENTS UNDER SECTION 186
Pursuant to the provisions of Section 186(4) of the Act and SEBI(LODR) 2015, disclosures on particulars relating to loans, advances and investments are provided as part of the Financial Statements. There are no guarantees issued or securities provided by your Company in terms of Section 186 of the Act, read with the Companies (Meetings of Board and its Powers) Rules, 2014
10.BOARD OF DIRECTORS
During the period under review, there were no changes to the Board of Directors of your company. Pursuant to the provisions of section 149, 184 of the Companies Act, 2013 and under Regulation 25 of the SEBI (Listing Obligation & Disclosure Requirements) Regulations, 2015.
In accordance with the provisions of section 149, 152, and other applicable provisions of the Companies Act, 2013, one-third of such Directors as are liable to retire by rotation, shall retire every year and, if eligible, offer themselves for re-appointment at every AGM. Consequently,
Mr. Harish Kumar Gupta (DIN: -01323944) Chairman & Whole Time Director will retire by rotation at the ensuing Annual General Meeting and, being eligible, offer himself for re-appointment. The Board recommends their re-appointment for the consideration of Members of the Company at the ensuing Annual General Meeting. A brief resume of the Director proposed to be, re-appointed, is furnished in the notice of the AGM.
In terms of requirements of the Listing Regulations, the board has identified core skills, expertise and competencies of the Directors in the context of the Companys businesses for effective functioning, which are detailed in the Corporate Governance Report.
11.KEY MANAGERIAL PERSONNEL
As of March 31, 2022, the following were the Key Managerial Personnel (KMP) of the Company as per Section 2(51) and 203 of the Act
|Name of the Person||Designation|
|Mr. Harish Kumar Gupta||Chairman & Whole-Time Director|
|Mr. Pawan Kumar Gupta||Managing Director|
|Mr. Saurav Gupta||Whole-Time Director|
|Mr. Gaurav Gupta||Whole-Time Director|
|Mr. Naresh Manwani||Chief Financial Officer|
|Mrs. Sonika Gupta||Company Secretary & Compliance Officer|
During the year under review, there is no change in the Key Managerial Personnel of the Company
12. POLICY ON NOMINATION & REMUNERATION
Pursuant to Section 134(3)(e) and Section 178(3) of the Companies Act, 2013, the policy on the appointment of Board members including criteria for determining quali cations, positive attributes, independence of a director and the policy on remuneration of directors, KMP and other employees is available on the website of the Company at www.bellacasa.in at web link https://cdn.shopify.com/s/ les/1/0413/2231/5937/ les/Nomination_Remuneration_Policy.pdf?v=1618 051460
13. NUMBER OF THE MEETING OF THE BOARD
The details of the Number of Meetings of the Board held during the financial year 2021-22 form part of the Corporate Governance.
14. COMMITTEES OF THE BOARD
The Board of Directors has the following committees:
1. Audit Committee
2. Shareholders / Investors Grievance Committee
3. Nomination and Remuneration/ Compensation Committee
4. Corporate Social Responsibility Committee
The details of the Committees along with their composition, number of meetings and attendance at the meetings are provided in the Corporate Governance Report
15. DIRECTORS RESPONSIBILITY STATEMENT-
The Directors Responsibility Statement referred to in clause (c) of sub-section (3) of Section 134 of the Companies Act, 2013, shall state that
(a) in the preparation of the annual accounts, the applicable accounting standards had been followed along with proper explanation relating to material departures;
(b) they have selected such accounting policies and applied them consistently and made judgments and estimates that are reasonable and prudent so as to give a true and fair view of the state of a airs of the Company at the end of the financial year and of the profit and loss of the Company for that period;
(c) they have taken proper and sufficient care for the maintenance of adequate accounting records in accordance with the provisions of this Act for safeguarding the assets of the Company and for preventing and detecting fraud and other irregularities;
(d) they have prepared the annual accounts for the financial year ended March 31, 2022 on a going concern basis; and
(e) they have laid down internal financial controls for the Company and such internal financial controls are adequate and operating effectively
(f) they have devised proper system to ensure compliance with the provisions of all applicable laws and that such systems were adequate and operating effectively.
16. ACCEPTANCE OF DEPOSITS-
The Company has not accepted any deposits from the public within the meaning of Section 73 of the Companies Act, 2013 and Companies (Acceptance of Deposits) Rules, 2014 The Directors of the company from whom money is received, furnish to the company at the time of giving the money, a declaration in writing to the effect that the amount is not being given out of funds acquired by them by borrowing or accepting loans or deposits from others and the company shall disclose the details of money so accepted in the Boards report.
17. INVESTOR EDUCATION AND PROTECTION FUND
There were no amounts, required to be transferred, to the Investor Education and Protection Fund by the Company during the year.
18. LISTING FEES
Presently, the Equity Shares of the Company are listed on the BSE Limited. The Company has paid the annual listing fees for the financial year 2022-23 to BSE.
(a) Statutory Auditors & their report
M/s Vikas Jain & Associates, Chartered Accountants (FRN 006803C) were appointed as Statutory Auditors of the Company for ve consecutive years at the Annual General Meeting (AGM) of the Members held on Saturday, 28th September, 2019 on a remuneration mutually agreed upon by the Board of Directors and the Statutory Auditors. Their appointment was subject to rati cation by the Members at every subsequent AGM held after the AGM held on Saturday, 28th September, 2019. Pursuant to the amendments made to Section 139 of the Companies Act, 2013 by the Companies (Amendment) Act, 2017 effective from May 7, 2018, the requirement of seeking rati cation of the Members for the appointment of the Statutory Auditors has been withdrawn from the Statute. Hence the resolution seeking rati cation of the Members for the continuance of their appointment at this AGM is not being sought.
In the opinion of the Directors, the notes to the accounts in the auditors report are self-explanatory and adequately explained the matters, which are dealt with by the Auditors.
The Statutory Auditors Report forms part of the Annual Report. There is no audit quali cation, reservation, or adverse remark for the year under review. There was no instance of fraud during the year under review, which required the Statutory Auditors to report to the Audit Committee and/or Board under Section 143(12) of the Act and Rules framed thereunder.
The Auditors have also con rmed that they have subjected themselves to the peer review process of the Institute of Chartered Accountants of India (ICAI) and hold a valid certificate issued by the Peer Review Board of the ICAI.
(b) Secretarial Auditor
Pursuant to the provisions of section 204 of the Companies Act, 2013 and rules made there under, the Company had appointed M/s Shailja Sharma & Associates, Company Secretaries in the board meeting held on 8th June,2021 as the Secretarial Auditor of the company to conduct the Secretarial Audit for the financial year 2021-22 of the company.
Further M/s Shailja Sharma & Associates, Company Secretaries has tendered their resignation expressing their inability due to pre-occupations, resulting in a casual vacancy in the officeof the Auditors of the Company w.e.f. 13th May, 2022.
Accordingly, the casual vacancy caused by the resignation of Secretarial Auditor shall be lled by the Board of Directors. Therefore the Board of Directors has appointed M/s M Sancheti & Associates, Company Secretaries in the Board Meeting held on 23rd May, 2022 to undertake the Secretarial Audit of the Company. The report is enclosed as "ANNEXURE A" to this report.
The Secretarial Audit Report for the financial year ended 31st March, 2022 contains certain qualifications and clarification by the Board as follows :
Observation (1)- During the year one director had made contra trade in violation of Schedule B (Minimum Standards for Code of Conduct [for Listed Companies] to Regulate, Monitor and Report Trading by [Designated Persons]) of the Regulation and of Company?s Code of Conduct for Prevention of Insider Trading, Company hasn?t initiated action against said director till the closure of financial year.
Clari cation- As soon as it came to knowledge of the Company, requisite disclosures as needed under SEBI (Prohibition of Insider Trading) Regulations, 2015 has been led. Monetary Penalty was imposed upon that Director and he has been Directed to deposit the profit gained from the transaction to Investors Protection and Education Fund (IPEF) administered by SEBI.
Observation (2)- Company made submission of Annual secretarial Compliance report for the year ended 31st March 2021 with a delay of 3 days with BSE Limited.
Clarification- As and when the Annual secretarial Compliance Report was submitted to the Company by the certifying Company Secretary it been submitted to the stock exchange. The listed entity had paid the ne levied by BSE Limited. Board after due consideration and deliberation noted that the above observations was beyond the control of the management and stated that the timelines shall strictly be adhered to in the future.
(c) Cost Auditor
As per the requirement of the Central Government and pursuant to section 148 of the Companies Act, 2013, read with Companies (Cost Records and Audit) Rules, 2014 as amended from time to time your company hereby con rms that during the year under review, cost audit did not apply to the Company.
(d) Internal Auditor
Pursuant to section 138 of the Companies Act, 2013 read with rule 13 of the Companies (Accounts) Rules, 2014 Company has appointed M/s N Sorathiya & Co., Chartered Accountants as Internal Auditor of the Company in the Board Meeting held on 12th August, 2022 to undertake the internal audit. Their scope of work includes a review of processes for safeguarding the assets of the Company, a review of operational efficiency, the effectiveness of systems and processes, and assessing the internal control strengths in all areas. Internal Auditors findings are discussed with the process owners and suitable corrective actions are taken as per the directions of the Audit Committee on an ongoing basis to improve efficiency in operations.
20. INTERNAL FINANCIAL CONTROL AND THEIR ADEQUACY
The Company has in place adequate internal financial control systems, commensurate with the size, scale, and complexity of its operations. The Company has appropriate policies and procedures for ensuring the orderly and efficient conduct of its business, including adherence to the Companys policies, safeguarding of its assets, prevention and detection of frauds and errors, accuracy and completeness of accounting records, and timely preparation of reliable financial information. During the year under review, the Company has not come across any incidence of fraud. The internal auditor monitors and evaluates the e cacy and adequacy of internal control systems in the Company. Based on the report of the internal auditor,the respective departments undertake corrective actionin their respective areas and thereby strengthen the controls. Significant audit observations and correctiveactions if any thereon are presented to the Audit Committee ofthe Board.
21. REPORTING OF FRAUDS
There was no instance of fraud during the year under review, which required the Statutory Auditors to report to the Audit Committee and/or Board under Section 143(12) of the Act and Rules framed thereunder
22. SECRETARIAL STANDARDS
The applicable Secretarial Standards, i.e. SS-1 and SS-2,relating to Meetings of the Board of Directors and General Meetings, respectively, have been duly followed by the Company.
23. RELATED PARTY TRANSACTION-
The Company has no material significant transactions with its related parties which may have a potential conflict with the interest of the Company at large. All transactions entered with the Related Parties as defined under the Companies Act, 2013 and regulation 23 of the SEBI (Listing Obligation & Disclosure Requirements) Regulations, 2015 during the financial year were in the ordinary course of business and on an arms length basis and do not attract the provisions of section 188 of the Companies Act, 2013. Thus disclosure in form AOC- 2 is not required. Related party transactions have been disclosed under Note 40 of significant accounting policies and notes forming part of the financial statements in accordance with Ind AS 24.
A statement in summary form of transactions with related parties in the ordinary course of business and arms length basis is periodically placed before the Audit Committee for review and recommendation to the Board for their approval.
The policy on Related Party Transactions as approved by the Board of Directors has been uploaded on the website of the Company viz.https://cdn.shopify.com/s/ les/1/0413/2231/5937/ les/Related_Party_Transaction_Policy_eedd0817-aab3-4743-ade4-11c2138ccfca.pdf?v=1661176672
24. SUBSIDIARY COMPANIES
The Company does not have any subsidiaries.
25. MANAGEMENT DISCUSSION AND ANALYSIS REPORT
As per requirements of Regulation 34 of Securities and Exchange Board of India (Listing Obligations and Disclosure) Regulations 2015, the Managements Discussion and Analysis of the financial condition and results of operations have been provided separately in this Annual Report.
26. CONSERVATION OF ENERGY, TECHNOLOGY ABSORPTION, FOREIGN EXCHANGE EARNINGS AND OUTGO:
The information under section 134(3) of the Companies Act, 2013 read with Rule 8(3) of the Companies (Accounts) Rules, 2014 for the year ended March 31, 2022,has been appended as "Annexure B" to this Report.
27. RISK MANAGEMENT
Business risk evaluation and management is an ongoing process within the Company. The Assessment is periodically examined by the Board. The management of the Company has identified some of the major areas of concern having inherent risk, viz. Financial, Commodity Price, Regulatory, Human Resource, Interest rate Risks. The processes relating to minimizing the above risks have already been put in place at different levels of management. The management of the Company reviews the risk management processes and implementation of risk mitigation plans. The processes are continuously improved.
28. PARTICULAR OF EMPLOYEES
Disclosures concerning the remuneration of Directors and employees as required under Section 197 of Companies Act, 2013 and Rule 5 of the Companies (Appointment and Remuneration of Managerial Personnel) Rules, 2014 have been appended as "Annexure C" to this Report.
A statement comprising the names of the top 10 employees in terms of remuneration drawn and every person employed throughout the year, who received remuneration in terms of Rule 5(2) of the Companies (Appointment and Remuneration of Managerial Personnel) Rules, 2014 is annefixed as "Annexure D" and forms an integral part of this annual report. The above Annexure is not being sent along with this annual report to the members of the Company in line with the provisions of Section 136 of the Act. Members who are interested in obtaining these particulars may write to the Company Secretary at the Registered Office of the Company. The aforesaid Annexure is also available for inspection by Members at the Registered Office of the Company, up to the date of the ensuing Annual General Meeting during the business hours on working days.
29. SIGNIFICANT AND MATERIAL ORDERS PASSED BY THE REGULATORS/COURTS
There are no significant and material orders passed by the Courts or any other regulators which would impact the going concern status of the Company and its future Operation.
30. PERFORMANCE EVALUATION-
Pursuant to the provisions of the Act and Listing Regulations and in terms of the framework of the Board Performance Evaluation, the Nomination and Remuneration Committee and the Board have carried out an annual performance evaluation of its own performance, the performance of various committees of the Board, individual Directors and the Chairman. The manner in which the evaluation has been carried out has been set out in the Corporate Governance Report which forms an integral part of this Report.
31. DISCLOSURE UNDER SEXUAL HARASSMENT OF WOMEN AT WORKPLACE (PREVENTION, PROHIBITION AND REDRESSAL) ACT, 2013
The Company has in place an Anti-Sexual Harassment Policy in line with the requirements of The Sexual Harassment of Women at the Workplace (Prevention, Prohibition & Redressal) Act, 2013. The internal committee constituted under the said act has confirmed that no complaint/case has been led/ pending with the Company during the year.
32. MATERIAL CHANGES AND COMMITMENTS, IF ANY, AFFECTING THE FINANCIAL POSITION OF THE COMPANY WHICH HAVE OCCURRED BETWEEN THE END OF THE FINANCIAL YEAR OF THE COMPANY TO WHICH THE FINANCIAL STATEMENTS RELATE AND THE DATE OF THE REPORT
There have been no material changes and commitments affecting the financial position of the Company which occurred between the end of the financial year of the Company to which the financial statements relate and the date of this report.
33. STATEMENT OF DEVIATION OR VARIATION
Pursuant to Regulation 32(1) of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, there is no deviation or variation in the use of proceeds.
34. CORPORATE GOVERNANCE
As per Regulation 34 (3) read with Schedule V of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 the report of the Corporate Governance and the Certificate of the Auditors of the Company in respect of compliance thereof and appended hereto and forming part of the report.
35. AUDIT COMMITTEE
The Company has constituted an Audit Committee in terms of the requirements of the Act and Regulation 18 of the Listing Regulations. The details of the same are disclosed in the Corporate Governance Report.
36. VIGIL MECHANISM/WHISTLE BLOWER POLICY
The Company has a Whistle Blower Policy and has established the necessary vigil mechanism for directors and employees in conformation with Section 177(9) of the Act and Regulation 22 of SEBI Listing Regulations, to report concerns about unethical behaviour. The link of the Policy is https://cdn.shopify.com/s/ les/1/0413/2231/5937/ les/Vigil_Mechanism.pdf?v=1618048552
37. CORPORATE SOCIAL RESPONSIBILITY
The Company has a Corporate Social Responsibility (CSR) Policy in place and the same can be accessed at https://cdn.shopify.com/s/ les/1/0413/2231/5937/ les/CSR_Policy_956a8aa3-6a -4e8e-93d8-528f4c62f079.pdf?v=1661176672 The details about committee composition and terms of reference of the committee are given in the Corporate Governance Report and forms an integral part of this report. A CSR Report on CSR activities has been provided in Annual Report on CSR is attached as "Annexure E".
38. ENVIRONMENT, HEALTH AND SAFETY
The Company is conscious of the importance of environmentally clean and safe operations. The Companys policy requires the conduct of operations in such a manner to ensure the safety of all concerned, compliances of environmental regulations and preservation of natural resources.
39. BUSINESS RESPONSIBILITY REPORTING
The Business Responsibility Reporting as required under Regulation 34(2) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 does not apply to your company for the financial year 2021-22.
40. ANNUAL RETURN
Pursuant to Section 134(3)(a) and Section 92(3) of the Act read with Companies (Management and Administration) Rules, 2014, the link of Annual Return of the Company in Form MGT-7 is : https://cdn.shopify.com/s/ les/1/0413/2231/5937/ les/Draft_Annual_Return_2021-22.pdf?v=1661176672
41. CAUTIONARY STATEMENT
Statements in the annual return particularly those which relate to Management Discussion & Analysis Report may constitute forward-looking statements within the meaning of applicable laws and regulations. Although the expectations are based on reasonable assumptions, the actual result might differ.
42. OTHER DISCLOSURES
There was no revision of financial statements and Boards Report of the Company during the year under review;
There has been no change in the nature of business of the Company as on the date of this report;
No application has been made under the Insolvency and Bankruptcy Code; hence the requirement to disclose the details of application made or any proceeding pending under the Insolvency and Bankruptcy Code, 2016 (31 of 2016) during the year along with their status as at the end of the financial year is not applicable;
The requirement to disclose the details of the Difference between the amount of valuation done at the time of onetime settlement and the valuation done while taking a loan from the Banks or Financial Institutions along with the reasons thereof, is not applicable.
43. APPRECIATION AND ACKNOWLEDGEMENT
Your Directors express their sincere gratitude for the assistance and cooperation extended by the customers, various Government, Semi-Government, and Local Authorities, Suppliers, Shareholders, Business Association.
Your Directors also wish to place on record their deep appreciation for the dedication & hard work put by the employees at all levels towards the growth of the Company. Last but not the least, the Board of Directors wishes to thank Investors/Shareholders for their support, cooperation and faith in the Company.
|For and on the behalf of the|
|BELLA CASA FASHION & RETAIL LIMITED|
|Harish Kumar Gupta||Pawan Kumar Gupta|
|Chairman & Whole-Time Director||Managing Director|
|DIN: 01323944||DIN: 01543446|
|Date- Friday, 12th August, 2022|
Gold/NCD/NBFC/Insurance and NPS
Gold/NCD/NBFC/Insurance and NPS