Aaryanandi Fincap Limited - Due diligence report

A 360° intelligence report on Aaryanandi Fincap Limited: trust score, financial health, credit view, compliance, directors, growth and distr…

2003-02-17 Solapur, Maharashtra Active Unlisted Active Compliant
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Aaryanandi Fincap Limited — 360° Intelligence Report

Generated from MCA filings & public records
68/100
Trust Score
Moderate

Aaryanandi Fincap Limited is assessed as Moderate with a Trust Score of 68/100. Aaryanandi Fincap Limited is an active public limited indian non-government company incorporated in 2003, operating in the Healthcare sector. Reported revenue has declined across its recent filed years. 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 18 Jul 2026 from the latest processed filings. Aaryanandi Fincap Limited snapshot & full profile →

Financial Health › Caution
Overall Assessment CautionWeakNeutralGoodStrong Good
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 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
15/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
45/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreCaution Indicated
45/100
Revenue, profit, asset and hiring momentum.
Distress ScoreCaution Indicated
45/100
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: 45/100 Caution Indicated
  • Negative operating earnings - debt service depends on external support.
  • No open charges - unencumbered balance sheet.

Charges position: 0 open (-) · 2 satisfied (1.03 cr).

Banking relationships (from registered charges)
LenderChargesAmount
Siemens Financial Services Private Limited1 48.0 cr
The Pandharpur Urbon Co-Operative Bank1 48.0 cr
Compliance Score: 100/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
SAGAR SHARAD LAD 01234567 Director 01/04/2018 6 yrs Approved
SHILPA RAJESH PHADKULE 01234567 Director 01/04/2018 6 yrs Approved
RAJESH RATILAL PHADKULE 01234567 Director 01/04/2018 6 yrs Approved
  • 3 directors on the board.
  • No disqualified or deactivated DINs.
  • Stable board - no exits in 3 years.
  • Average tenure above 5 years.
Director & KMP remuneration (FY 2017)
NameDesignationTotal remuneration
A K SharmaManaging Director2.4 cr
R MehtaWhole-time Director1.6 cr
S IyerCFO95.0 L

Remuneration is disclosed in the latest annual return. Unlock full report

06

Ownership & Group Intelligence

As per FY 2020 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
-
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 45 · Distress 45
Growth signals & trust indicators
Asset base grew 38% - capacity expansion.
Operating for 23+ years.
Distress signals & risk flags
Losses deepening year-on-year.
Outside liabilities up 1.42 in a year.
Negative net worth.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence74/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • 3 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment50/100
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 view40/100
Limited indicators at present
Growth quality and scalability through an investor lens.
  • 1 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 10 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
03 Apr 2019
Charge satisfied
Siemens Financial Services Private Limited
02 Apr 2019
Charge satisfied
The Pandharpur Urbon Co-Operative Bank
28 Aug 2015
Charge created
Siemens Financial Services Private Limited - 78.30 Lakh
16 Jul 2010
Charge created
The Pandharpur Urbon Co-Operative Bank - 25.00 Lakh
17 Feb 2003
Incorporated
Registered with Roc Pune
Director appointed
SAGAR SHARAD LAD (Director)
Director appointed
SHILPA RAJESH PHADKULE (Director)
Director appointed
RAJESH RATILAL PHADKULE (Director)
10

Key Observations

Auto-generated from the data above
Revenue declined 2.1x over the last 4 financial year(s).
Compliance record is strong - status, filings and flags are clean.
3 active director(s) / partner(s); board looks stable and experienced.
All 2 registered charge(s) stand satisfied - past borrowings repaid.
Promoters hold a dominant controlling stake as per the FY 2020 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Innovative Data Organisers Private Limited U72200MH1983PTC030214 Mumbai, Maharashtra, India
Zinnia Tradecom Private Limited U51109WB2010PTC141983 Kolkata, West Bengal, India
Ulkavahini Investments Limited U65999HR2017PLC067121 Manesar, Haryana, India
Ambition Buildcon Private Limited U45400CT2007PTC001355 Raipur, Chattisgarh, India
Lake End Investment And Finance Pvt Ltd U65910GJ1992PTC017665 Ahmedabad, Gujarat, India
Rishta Capital Private Limited U65900TN2018PTC123387 Vilavancode, Tamil Nadu, India
Jupiter Industrial Holdings Private Limited U74899DL1985PTC020206 New Delhi, Delhi, India
Nirakara Dealcom Private Limited U51909WB2009PTC135526 Kolkata, West Bengal, India
12

Who Uses This Report

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

Verify Aaryanandi Fincap Limited 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 Aaryanandi Fincap Limited: 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 45/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Limited indicators at present. Growth score 45/100, margin trends, ownership structure and peer set for Aaryanandi Fincap Limited - 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 Aaryanandi Fincap Limited 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 Aaryanandi Fincap Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Aaryanandi Fincap Limited an active company?

Aaryanandi Fincap Limited has MCA status “Active” with a compliance score of 100/100 (Low Risk).

Is Aaryanandi Fincap Limited financially healthy?

Aaryanandi Fincap Limited has a Financial Health Score of 15/100 (Caution Indicated) based on its filed financial statements.

Should I do business with Aaryanandi Fincap Limited?

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 Aaryanandi Fincap Limited?

Promoters hold a dominant controlling stake - exact percentages are in the full report. 3 active director(s) are on record.

Does Aaryanandi Fincap Limited have loans or charges against its assets?

No open charges - all 2 registered charge(s) stand satisfied, indicating past borrowings were repaid.

Is Aaryanandi Fincap Limited 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 Aaryanandi Fincap Limited?

Its Credit Risk Score is 45/100 (Caution Indicated). 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.