5Paisa P2P Limited - Due diligence report

A 360° intelligence report on 5Paisa: trust score, financial health, credit view, compliance, directors, growth and distress signals - gener…

2017-12-07 Thane, Maharashtra Active Unlisted Active Compliant
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5P 5Paisa P2P Limited
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5Paisa — 360° Intelligence Report

Generated from MCA filings & public records
79/100
Trust Score
Low Risk

5Paisa is assessed as Low Risk with a Trust Score of 79/100. 5Paisa is an active public limited indian non-government company incorporated in 2017, operating in the Financial Services 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 low compliance risk and moderate financial risk profile.

Report generated on 20 Jul 2026 from the latest processed filings. 5Paisa P2P Limited snapshot & full profile →

Financial Health › Good
Overall Assessment CautionWeakNeutralGoodStrong Strong
Compliance › Strong

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 & explainable
Trust ScoreLow Risk
79/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
100/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
65/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreLow Risk
85/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
75/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
85/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
65/100
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 access

Scores 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: 85/100 Low Risk
  • Liabilities ≈ 38% EBITDA - serviceable.
  • No open charges - unencumbered balance sheet.
  • Profitable - internal accruals available.

Charges position: 0 open (-) · 0 satisfied (-).

Compliance Score: 100/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • 1 active GST registration(s).
05

Director Intelligence

Stability score: 75/100
NameDIN / PANDesignationAppointedTenureDIN status
GOURAV MUNJAL 01234567 Director 01/04/2018 6 yrs Approved
Mehul Kumar Jain 01234567 Director 01/04/2018 6 yrs Approved
AMEYA AGNIHOTRI 01234567 Director 01/04/2018 6 yrs Approved
  • 3 directors on the board.
  • No disqualified or deactivated DINs.
  • 5 director exits in 3 years - high churn.
06

Ownership & Group Intelligence

As per FY 2023 annual return
Promoter holding
64.27%
Public / other holding
35.73%
Equity shares
12,45,67,890
Equity paid-up
124.5 cr
Promoters on record
4
Ultimate holding entity
5paisa Capital Limited
Subsidiaries
-
Group entities
-
Capital events
3 allotment(s) · 0 transfer(s)

Promoters hold a dominant controlling stake - exact percentages are part of the full report.

Group entityRelationship% held
5paisa Capital Limited Holding Company 74.00%

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 85 · Distress 65
Growth signals & trust indicators
Revenue acceleration: +1.42 over 4 year(s).
Profit expanded 2.1x year-on-year.
Net margin improved to 24%.
Operating for 8 years.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
4 director exits within 2 years.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence83/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • 2 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment83/100
Favourable lending indicators
Indicative lending comfort for banks, NBFCs and trade credit.
  • Debt capacity assessed from filed statements.
  • No existing security registered - first-charge position available.
  • Compliance record supports lending.
Investor view76/100
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 events
22 Aug 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
08 Sep 2024
Director ceased
Mehul Kumar Jain
Director ceased
AMEYA AGNIHOTRI
28 Aug 2024
Director ceased
NARAYAN GANGADHAR
31 Jul 2024
Director ceased
Vikrant Birajdar
30 Jul 2024
Director appointed
Mehul Kumar Jain (Director)
Director appointed
AMEYA AGNIHOTRI (Director)
26 Dec 2023
Director ceased
PRAKARSH SHARAD GAGDANI
10 Jun 2021
Director ceased
GOURAV MUNJAL
01 Mar 2021
Director appointed
GOURAV MUNJAL (Director)
28 Feb 2021
Director ceased
SANTOSH JAYARAM
26 Jun 2020
Director ceased
MAYUR PREMJI DEDHIA
17 Jan 2020
Director ceased
ANIRUDDHA DANGE
30 Sep 2019
Securities allotted
5000000 Equity Shares - 5.00 cr raised
10

Key Observations

Auto-generated from the data above
Revenue grew 0.86 over the last 4 financial year(s).
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
3 active director(s) / partner(s); board looks stable and experienced.
1 active GST registration(s) indicate ongoing business operations.
Promoters hold a dominant controlling stake as per the FY 2023 annual return.
Capital has been raised through 3 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Margpay U74999DL2019PTC356408 Delhi, Delhi, India
Finceptive Services Private Limited U70109DL2018PTC331845 New Delhi, Delhi, India
Tradewell Holdings Limited L74110DL1995PLC064237 Delhi, Delhi, India
Srijan Traders Pvt Ltd U52339WB1996PTC080644 Kolkata, West Bengal, India
Edenred (India) Private Limited U74999MH1996PTC100899 Thane, Maharashtra, India
Neha Forex Private Limited U67110MH2009PTC191798 Thane, Maharashtra, India
Satellite Corporate U65990MH1994PTC077057 Mumbai, Maharashtra, India
Meenakshi Odisha Power Private Limited U40109TG1999PTC032420 Hyderabad, Telangana, India
12

Who Uses This Report

CA · CS · Banker · Investor · Vendor
Chartered Accountants (CA)

Verify 5Paisa before audits and certifications: compliance score 100/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of 5Paisa: 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: Favourable lending indicators. Credit risk score 85/100, 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 5Paisa - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 79/100, distress signals and MSME payment-delay disclosures - know whether 5Paisa pays its suppliers before you extend credit terms.

Lawyers & Compliance Teams

Litigation footprint (no cases on record), regulatory flags, charge documents trail and director networks for 5Paisa - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is 5Paisa an active company?

5Paisa has MCA status “Active” with a compliance score of 100/100 (Low Risk).

Is 5Paisa financially healthy?

5Paisa has a Financial Health Score of 65/100 (Moderate) based on its filed financial statements.

Should I do business with 5Paisa?

Its overall Trust Score is 79/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls 5Paisa?

The ultimate holding entity is 5paisa Capital Limited. 3 active director(s) are on record.

Does 5Paisa have loans or charges against its assets?

No charges are registered against this company - an unencumbered balance sheet.

Is 5Paisa up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 100/100 (Low Risk).

Is it risky to lend to 5Paisa?

Its Credit Risk Score is 85/100 (Low Risk). Banker verdict: Favourable lending indicators.

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.