Promoter holding
64.27%
5C
5Paisa Capital Limited - Due diligence report
A 360° intelligence report on Iifl: trust score, financial health, credit view, compliance, directors, growth and distress signals - generat…
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Iifl — 360° Intelligence Report
Generated from MCA filings & public records83/100
Trust Score
Low Risk
Iifl is assessed as Low Risk with a Trust Score of 83/100. Iifl is an active public limited indian non-government company incorporated in 2007, operating in the Internet sector. The company has shown revenue growth across its recent filed years. It was profitable in its latest filed year. Based on MCA filings and public records, it currently shows a moderate compliance risk and low financial risk profile.
Report generated on 15 Aug 2026 from the latest processed filings. 5Paisa Capital Limited snapshot & full profile →
Automated indicators derived from public MCA / GST / EPFO records - not a credit rating, not investment, legal or financial advice. Spotted an inaccuracy? Report an error.
02
Score Card
Higher is safer · rule-based & explainableTrust ScoreLow Risk
83/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
56/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
95/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
55/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
85/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
90/100
Early-warning signals - higher means fewer warnings.
03
Financial Intelligence Dashboard
Standalone · 5 filed year(s)Unlock the full 5-year financial dashboard with charts and year-wise figures.
Get full accessScores and observations on this page are already computed from the real filings - only the underlying figures are locked.
04
Credit & Compliance Intelligence
Why the scores are what they are
Credit Risk Score: 55/100 Moderate
- Liabilities ≈ 38% EBITDA - stretched.
- Open charges exceed net worth - secured lenders rank ahead.
- Moderate gearing (D/E 1.42).
- Profitable - internal accruals available.
- Externally credit-rated (A1).
Charges position: 16 open (1,999.50 cr) · 16 satisfied (1,316.80 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Others | 28 | 48.0 cr |
| Axis Bank Limited | 2 | 48.0 cr |
| Idbi Bank Limited | 1 | 48.0 cr |
| Tata Capital Financial Services Limited | 1 | 48.0 cr |
Compliance Score: 56/100 Moderate
- Company status is Active as per MCA.
- Annual filings current (balance sheet Mar 2025).
- Flagged by authority: NSE.
- Litigation present in 2 court forum(s).
- 5 active GST registration(s).
Legal cases on record (2)
05
Director Intelligence
Stability score: 95/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| NARAYAN GANGADHAR | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| ARCHANA NIRANJAN HINGORANI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| GAURAV SETH | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Narayan Gangadhar | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| GOURAV MUNJAL | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| MILIN KAIMAS MEHTA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| GOURAV MUNJAL | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| NAMITA GODBOLE | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| NIRALI SANGHI SHARAD | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SARAT MALIK | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| AMEYA AGNIHOTRI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Namita Amod Godbole | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Gaurav Seth | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Zor Gorelov | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Charvi Ajay Panchmatia | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 15 directors on the board.
- No disqualified or deactivated DINs.
- Stable board - no exits in 3 years.
Director & KMP remuneration (FY 2023)
| Name | Designation | Total remuneration |
|---|---|---|
| A K Sharma | Managing Director | 2.4 cr |
| R Mehta | Whole-time Director | 1.6 cr |
| S Iyer | CFO | 95.0 L |
Remuneration is disclosed in the latest annual return. Unlock full report
06
Ownership & Group Intelligence
As per FY 2023 annual returnPublic / other holding
35.73%
Equity shares
12,45,67,890
Equity paid-up
124.5 cr
Promoters on record
4
Ultimate holding entity
-
Subsidiaries
4
Group entities
4
Capital events
31 allotment(s) · 2 transfer(s)
Promoters hold the largest single block of equity - exact percentages are part of the full report.
| Group entity | Relationship | % held |
|---|---|---|
| 5paisa International Securities (ifsc) Limited | Subsidiary Company | 74.00% |
| 5paisa Corporate Services Limited | Subsidiary Company | 74.00% |
| 5paisa P2p Limited | Subsidiary Company | 74.00% |
| 5paisa Trading Limited | Subsidiary Company | 74.00% |
Key managerial personnel: NARAYAN GANGADHAR (Managing Director) · GAURAV SETH (Managing Director) · Narayan Gangadhar (CEO) · GOURAV MUNJAL (CFO) · GOURAV MUNJAL (Whole-time director) · AMEYA AGNIHOTRI (Whole-time director)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 85 · Distress 90
Growth signals & trust indicators
Revenue acceleration: +2.1x over 4 year(s).
Profit expanded 24% year-on-year.
Net margin improved to 0.86.
Operating for 19+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Compliance score is weak (56/100).
16 open charge(s) registered - assets are encumbered.
2 court case(s) on record - see the legal section for details.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence74/100
Favourable indicators
Suitability as a supplier / customer counterparty.
- Check the compliance flags before onboarding.
- No distress signals on file.
- Financial filings available for verification.
Banker assessment67/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 16 open charge(s) of 1,999.50 cr already registered.
- Compliance gaps should be priced into terms.
Investor view88/100
Positive growth indicators
Growth quality and scalability through an investor lens.
- 3 growth signal(s) detected.
- Margin and return trends computable from filings.
- Management team looks stable.
09
MCA Filings & Events Timeline
Latest 15 events07 Jul 2026
Charge created
Others - 650.00 cr
29 Jun 2026
Charge created
Others - 100.00 cr
12 Jun 2026
Charge created
Others - 100.00 cr
18 May 2026
Charge satisfied
Others
30 Oct 2025
Director appointed
Charvi Ajay Panchmatia (Company Secretary)
09 Oct 2025
Director appointed
Zor Gorelov (Director)
25 Aug 2025
Last AGM held
Annual general meeting
08 Jul 2025
Director appointed
SARAT MALIK (Director)
09 May 2025
Charge created
Others - 40.00 cr
31 Mar 2025
Latest balance sheet
Filed with ROC
22 Mar 2025
Director appointed
GAURAV SETH (Managing Director)
14 Feb 2025
Charge created
Idbi Bank Limited - 75.00 cr
11 Feb 2025
Director appointed
Gaurav Seth (Ceo)
07 Jan 2025
Charge satisfied
Others
20 Dec 2024
Charge created
Others - 40.00 cr
10
Key Observations
Auto-generated from the data aboveRevenue grew 61% over the last 4 financial year(s).
Net profit margin moved from 38% to 1.42.
Debt-to-equity stands at 2.1x - manageable leverage.
Net worth is positive.
15 active director(s) / partner(s); board looks stable and experienced.
5 active GST registration(s) indicate ongoing business operations.
Operates a group structure with 4 subsidiary(ies) - assess on a consolidated basis.
Carries an external credit rating of A1 from Icra.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold the largest single block of equity as per the FY 2023 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 31 security allotment(s) - amounts available in the full report.
1 overseas direct investment(s) (ODI) on record - international footprint.
| Company | CIN | Location |
|---|---|---|
| Eisec | U67120WB1995PLC072026 | Kolkata, West Bengal, India |
| Findoc | U74992GJ2010PTC146228 | Gandhinagar, Gujarat, India |
| Nomuranow | U74140MH2007PTC169116 | Mumbai, Maharashtra, India |
| Pace Stock Broking Services Private Limited Tfr. From Delhi To Haryana | U74899GJ2000PTC119545 | Gandhinagar, Gujarat, India |
| Fortune Gilts Private Limited | U67120GJ2003PTC042121 | Ahmadabad City, Gujarat, India |
| Vardhamanglobal Sharecom Private Limited | U67120RJ2014PTC046384 | Jaipur, Rajasthan, India |
| Abhinandan Stock Broking Private Limited | U65100WB2010PTC153196 | Kolkata, West Bengal, India |
| Deutsche Equities India Private Limited | U65990MH2002PTC137431 | Mumbai, Maharashtra, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Iifl before audits and certifications: compliance score 56/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Iifl: ACTIVE compliance status, annual-return recency, director DIN status, board churn and the events timeline - the inputs for secretarial audits and due-diligence certificates.
Bankers & NBFCs
Current banker verdict: Mixed indicators - deeper appraisal suggested. Credit risk score 55/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Positive growth indicators. Growth score 85/100, margin trends, ownership structure and peer set for Iifl - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Favourable indicators. Trust score 83/100, distress signals and MSME payment-delay disclosures - know whether Iifl pays its suppliers before you extend credit terms.
Lawyers & Compliance Teams
Litigation footprint (2 case(s) on record), regulatory flags, charge documents trail and director networks for Iifl - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Iifl an active company?
Iifl has MCA status “Active” with a compliance score of 56/100 (Moderate).
Is Iifl financially healthy?
Iifl has a Financial Health Score of 95/100 (Low Risk) based on its filed financial statements.
Should I do business with Iifl?
Its overall Trust Score is 83/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Iifl?
Promoters hold the largest single block of equity - exact percentages are in the full report. 15 active director(s) are on record.
Does Iifl have loans or charges against its assets?
16 open charge(s) are registered against its assets, and 16 earlier charge(s) stand satisfied.
Is Iifl up to date with its ROC filings?
Annual filings current (balance sheet Mar 2025). Overall compliance score: 56/100 (Moderate).
Is it risky to lend to Iifl?
Its Credit Risk Score is 55/100 (Moderate). Banker verdict: Mixed indicators - deeper appraisal suggested.
Disclaimer: This report is generated automatically from MCA filings and public records as available
in our system at the time of the last update. Scores, bands and verdicts are rule-based derived indicators of the
underlying data - they are opinions generated by an algorithm, not statements of fact about the company, and are
not credit ratings (within the meaning of SEBI regulations), audits, or investment, legal or financial advice.
Verify from official sources and consult a qualified professional before any business, lending or investment decision.
If you represent this company and believe any information is inaccurate or outdated,
report it here and we will review promptly.
