Promoter holding
64.27%
AM
Aabhas Microfinance Association - Due diligence report
A 360° intelligence report on Aabhas Microfinance Association: trust score, financial health, credit view, compliance, directors, growth and…
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Aabhas Microfinance Association — 360° Intelligence Report
Generated from MCA filings & public records68/100
Trust Score
Moderate
Aabhas Microfinance Association is assessed as Moderate with a Trust Score of 68/100. Aabhas Microfinance Association is an active private not for profit company incorporated in 2016, operating in the Financial Services sector. It reported a loss in its latest filed year. Based on MCA filings and public records, it currently shows a low compliance risk and high financial risk profile.
Report generated on 15 Aug 2026 from the latest processed filings. Aabhas Microfinance Association 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.
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Score Card
Higher is safer · rule-based & explainableTrust ScoreModerate
68/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
100/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
25/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
50/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreModerate
55/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
50/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
70/100
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: 50/100 Moderate
- Negative operating earnings - debt service depends on external support.
- No open charges - unencumbered balance sheet.
- Working-capital cover adequate.
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).
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Director Intelligence
Stability score: 55/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| PRIYAMVADA GIRI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| GANESH GIRI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 2 directors on the board.
- PRIYAMVADA GIRI has DIN status "Deactivated due to non-filing of DIR-3 KYC".
- Stable board - no exits in 3 years.
- Average tenure above 5 years.
06
Ownership & Group Intelligence
As per FY 2017 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
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Subsidiaries
-
Group entities
-
Capital events
-
Promoters hold a dominant controlling stake - exact percentages are part of the full report.
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 50 · Distress 70
Growth signals & trust indicators
Operating for 10+ years.
Distress signals & risk flags
Negative net worth.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence81/100
Favourable indicators
Suitability as a supplier / customer counterparty.
- Statutory record is clean.
- 1 distress signal(s) - see Risk Center.
- Financial filings available for verification.
Banker assessment55/100
Mixed indicators - deeper appraisal suggested
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 view46/100
Mixed indicators
Growth quality and scalability through an investor lens.
- No clear growth signals in the filed years.
- Margin and return trends computable from filings.
- Management churn warrants questions.
09
MCA Filings & Events Timeline
Latest 7 events30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
05 Oct 2022
Director ceased
SITA DEVI
30 Sep 2022
Director appointed
PRIYAMVADA GIRI (Director)
24 Mar 2019
Director ceased
PRIYAMVADA GIRI
24 Feb 2016
Incorporated
Registered with Roc Uttar Pradesh I
Director appointed
GANESH GIRI (Director)
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Key Observations
Auto-generated from the data aboveNet profit margin moved from 38% to 1.42.
Compliance record is strong - status, filings and flags are clean.
2 active director(s) / partner(s); review board churn before relying on management continuity.
Promoters hold a dominant controlling stake as per the FY 2017 annual return.
| Company | CIN | Location |
|---|---|---|
| Vastu Finvest And Holdings Private Limited | U65990MH1992PTC065978 | Mumbai, Maharashtra, India |
| Jayram Financial Consultants Private Limited | U74140MH2009PTC193578 | Mumbai, Maharashtra, India |
| Delta Leasing And Finance Limited | L67120DL1983PLC016990 | Delhi, Delhi, India |
| Southend Services Pvt. Ltd. | U70101WB1986PTC041664 | Kolkata, West Bengal, India |
| Glamour Jewels Pvt Ltd | U27205WB1996PTC081040 | Kolkata, West Bengal, India |
| Garden Villa And Credit Private Limited | U70101WB1992PTC056205 | Kolkata, West Bengal, India |
| Kosamba Money Changer Private Limited | U67110GJ2013PTC073557 | Kosamba, Gujarat, India |
| Azura Projects Private Limited | U70109MH2007PTC177079 | Goregaon East, Maharashtra, India |
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Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Aabhas Microfinance Association 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 Aabhas Microfinance Association: 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 50/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Mixed indicators. Growth score 50/100, margin trends, ownership structure and peer set for Aabhas Microfinance Association - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Favourable indicators. Trust score 68/100, distress signals and MSME payment-delay disclosures - know whether Aabhas Microfinance Association 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 Aabhas Microfinance Association - groundwork for KYC, onboarding and disputes.
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Frequently Asked Questions
Is Aabhas Microfinance Association an active company?
Aabhas Microfinance Association has MCA status “Active” with a compliance score of 100/100 (Low Risk).
Is Aabhas Microfinance Association financially healthy?
Aabhas Microfinance Association has a Financial Health Score of 25/100 (Caution Indicated) based on its filed financial statements.
Should I do business with Aabhas Microfinance Association?
Its overall Trust Score is 68/100 (Moderate). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Aabhas Microfinance Association?
Promoters hold a dominant controlling stake - exact percentages are in the full report. 2 active director(s) are on record.
Does Aabhas Microfinance Association have loans or charges against its assets?
No charges are registered against this company - an unencumbered balance sheet.
Is Aabhas Microfinance Association 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 Aabhas Microfinance Association?
Its Credit Risk Score is 50/100 (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.
