Promoter holding
64.27%
AT
Ags Transact Technologies Limited - Due diligence report
A 360° intelligence report on Ags: trust score, financial health, credit view, compliance, directors, growth and distress signals - generate…
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Ags — 360° Intelligence Report
Generated from MCA filings & public records44/100
Trust Score
Caution Indicated
Ags is assessed as Caution Indicated with a Trust Score of 44/100. Ags is a public limited indian non-government company incorporated in 2002, operating in the Financial Services 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 high compliance risk and high financial risk profile.
Report generated on 15 Jul 2026 from the latest processed filings. Ags Transact Technologies 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 ScoreCaution Indicated
44/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
5/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
35/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
35/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
90/100
Board strength, DIN status, churn and network.
Growth ScoreCaution Indicated
40/100
Revenue, profit, asset and hiring momentum.
Distress ScoreCaution Indicated
35/100
Early-warning signals - higher means fewer warnings.
03
Financial Intelligence Dashboard
Consolidated · 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: 35/100 Caution Indicated
- Liabilities ≈ 38% EBITDA - stretched.
- Open charges exceed net worth - secured lenders rank ahead.
- Externally credit-rated (A).
Charges position: 25 open (1,423.71 cr) · 36 satisfied (2,285.11 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Others | 35 | 48.0 cr |
| Sbicap Trustee Company Limited | 2 | 48.0 cr |
| Hdfc Bank Limited | 3 | 48.0 cr |
| Icici Bank Limited | 2 | 48.0 cr |
| Standard Chartered Bank | 2 | 48.0 cr |
| The South Indian Bank Limited | 2 | 48.0 cr |
Compliance Score: 5/100 Caution Indicated
- Company status is "Under Cirp" - not Active.
- Balance sheet slightly behind (Mar 2024).
- Flagged by authority: RBI.
- Litigation present in 3 court forum(s).
- 1 auditor resignation(s) filed - latest: S.R. Batliboi & Associates LLP on 2016-12-20.
- Delayed payments to MSME suppliers disclosed (652 disclosure(s)).
- 4 active GST registration(s).
Legal cases on record (3)
05
Director Intelligence
Stability score: 90/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| SUDIP BANDYOPADHYAY | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| STANLEY JOHNSON PANACHERRY | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| RAVI BADRINARAIN GOYAL | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 3 directors on the board.
- No disqualified or deactivated DINs.
- 2 director exit(s) in the last 3 years.
- Average tenure above 5 years.
Director & KMP remuneration (FY 2024)
| 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 2024 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
3
Group entities
3
Capital events
2 allotment(s) · 0 transfer(s)
Promoters hold a majority stake - exact percentages are part of the full report.
| Group entity | Relationship | % held |
|---|---|---|
| Global Transact Services Pte. Ltd | Subsidiary Company | 74.00% |
| India Transact Services Limited | Subsidiary Company | 74.00% |
| Securevalue India Limited | Subsidiary Company | 74.00% |
| Ags Community Foundation | Subsidiary Company | 74.00% |
| Novus Technologies (cambodia) Company Limited | Subsidiary Company | 74.00% |
| Novus Technologies Pte. Ltd | Subsidiary Company | 74.00% |
| Novus Transact Philippines Corporation | Subsidiary Company | 74.00% |
| Novustech Transact Lanka (private) Limited | Subsidiary Company | 74.00% |
| P.t. Nova Digital Perkasa | Associate Company | 74.00% |
Key managerial personnel: RAVI BADRINARAIN GOYAL (Managing Director)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 40 · Distress 35
Growth signals & trust indicators
Operating for 23+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
Losses deepening year-on-year.
Adverse company status: Under Cirp.
Compliance score is weak (5/100).
25 open charge(s) registered - assets are encumbered.
1 auditor resignation(s) on record - review the stated reasons.
MSME payment delays disclosed - latest outstanding 21.89 cr.
3 court case(s) on record - see the legal section for details.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence26/100
Caution indicated
Suitability as a supplier / customer counterparty.
- Check the compliance flags before onboarding.
- 3 distress signal(s) - see Risk Center.
- Financial filings available for verification.
Banker assessment28/100
Enhanced diligence advised
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 25 open charge(s) of 1,423.71 cr already registered.
- Compliance gaps should be priced into terms.
Investor view39/100
Limited indicators at present
Growth quality and scalability through an investor lens.
- No clear growth signals in the filed years.
- Margin and return trends computable from filings.
- Management team looks stable.
09
MCA Filings & Events Timeline
Latest 15 events01 Apr 2025
Director ceased
Saurabh Lal
21 Jan 2025
Charge created
Others - 2.73 cr
27 Sep 2024
Last AGM held
Annual general meeting
19 Sep 2024
Charge satisfied
Others
12 Jun 2024
Charge created
Others - 50.00 cr
Charge created
Others - 75.00 cr
03 Jun 2024
Charge created
Sbicap Trustee Company Limited - 117.46 cr
31 May 2024
Charge created
Others - 31.00 cr
31 Mar 2024
Latest balance sheet
Filed with ROC
26 Mar 2024
Charge created
Others - 37.51 cr
12 Feb 2024
Charge created
Dhanlaxmi Bank Limited - 7.17 cr
02 Feb 2024
Charge satisfied
Others
13 Oct 2023
Charge satisfied
Others
25 Sep 2023
Charge created
Others - 27.00 cr
Charge created
Others - 18.00 cr
10
Key Observations
Auto-generated from the data aboveRevenue declined 1.42 over the last 4 financial year(s).
Net profit margin moved from 2.1x to 24%.
Debt-to-equity stands at 0.86 - leverage worth monitoring.
Net worth is positive.
3 active director(s) / partner(s); board looks stable and experienced.
4 active GST registration(s) indicate ongoing business operations.
Operates a group structure with 3 subsidiary(ies) - assess on a consolidated basis.
Carries an external credit rating of A from Indiarating.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a majority stake as per the FY 2024 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 2 security allotment(s) - amounts available in the full report.
11 overseas direct investment(s) (ODI) on record - international footprint.
| Company | CIN | Location |
|---|---|---|
| Iifl Wealth | L74140MH2008PLC177884 | Mumbai, Maharashtra, India |
| Bssmfi | U66190KA1994PLC049746 | Bangalore, Karnataka, India |
| Sbfc | L67190MH2008PLC178270 | Mumbai, Maharashtra, India |
| Magmahfc | U65922PN2004PLC208751 | Pune City, Maharashtra, India |
| Veritas Finance | U65923TN2015PLC100328 | Chennai City Corporation, Tamil Nadu, India |
| Home First | L65990MH2010PLC240703 | Mumbai, Maharashtra, India |
| Krazybee | U65100KA2016PLC086990 | Bangalore, Karnataka, India |
| Shriramhousing | U65929TN2010PLC078004 | Chennai, Tamil Nadu, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Ags before audits and certifications: compliance score 5/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Ags: 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: Enhanced diligence advised. Credit risk score 35/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Limited indicators at present. Growth score 40/100, margin trends, ownership structure and peer set for Ags - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Caution indicated. Trust score 44/100, distress signals and MSME payment-delay disclosures - know whether Ags pays its suppliers before you extend credit terms.
Lawyers & Compliance Teams
Litigation footprint (3 case(s) on record), regulatory flags, charge documents trail and director networks for Ags - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Ags an active company?
Ags has MCA status “Under Cirp” with a compliance score of 5/100 (Caution Indicated).
Is Ags financially healthy?
Ags has a Financial Health Score of 35/100 (Caution Indicated) based on its filed financial statements.
Should I do business with Ags?
Its overall Trust Score is 44/100 (Caution Indicated). Vendor verdict: Caution indicated. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Ags?
Promoters hold a majority stake - exact percentages are in the full report. 3 active director(s) are on record.
Does Ags have loans or charges against its assets?
25 open charge(s) are registered against its assets, and 36 earlier charge(s) stand satisfied.
Is Ags up to date with its ROC filings?
Balance sheet slightly behind (Mar 2024). Overall compliance score: 5/100 (Caution Indicated).
Is it risky to lend to Ags?
Its Credit Risk Score is 35/100 (Caution Indicated). Banker verdict: Enhanced diligence advised.
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.
