Promoter holding
64.27%
AS
Aircel Smart Money Limited - Due diligence report
A 360° intelligence report on Aircel Smart Money Limited: trust score, financial health, credit view, compliance, directors, growth and dist…
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Aircel Smart Money Limited — 360° Intelligence Report
Generated from MCA filings & public records42/100
Trust Score
Caution Indicated
Aircel Smart Money Limited is assessed as Caution Indicated with a Trust Score of 42/100. Aircel Smart Money Limited is an active public limited indian non-government company incorporated in 2012, 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 17 Jul 2026 from the latest processed filings. Aircel Smart Money 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
42/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
8/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
40/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
40/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreModerate
55/100
Board strength, DIN status, churn and network.
Growth ScoreCaution Indicated
45/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
50/100
Early-warning signals - higher means fewer warnings.
03
Financial Intelligence Dashboard
Standalone · 2 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: 40/100 Caution Indicated
- Negative operating earnings - debt service depends on external support.
- Open charges exceed net worth - secured lenders rank ahead.
- Working-capital cover adequate.
- Externally credit-rated (D).
Charges position: 1 open (21,675.80 cr) · 1 satisfied (13,729.00 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Others | 1 | 48.0 cr |
| Sbicap Trustee Company Limited | 1 | 48.0 cr |
Compliance Score: 8/100 Caution Indicated
- Company status is Active as per MCA.
- Marked ACTIVE non-compliant (INC-22A).
- Last balance sheet is for Mar 2017 - filings overdue.
- Flagged by authority: EPFO, RBI.
- Litigation present in 1 court forum(s).
- 1 auditor resignation(s) filed - latest: B S R & Asscociates LLP on 2020-07-05.
Legal cases on record (1)
05
Director Intelligence
Stability score: 55/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| VIPUL SAURABH | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| VALI NIJHAWAN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SHARAD KUMAR GOYAL | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| UMESH JAIN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| RITU GARG | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 5 directors on the board.
- VALI NIJHAWAN has DIN status "Deactivated due to non-filing of DIR-3 KYC".
- Stable board - no exits in 3 years.
- Average tenure above 5 years.
Director & KMP remuneration (FY 2017)
| 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 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
Aircel Limited
Subsidiaries
-
Group entities
-
Capital events
1 allotment(s) · 4 transfer(s)
Promoters hold a dominant controlling stake - exact percentages are part of the full report.
| Group entity | Relationship | % held |
|---|---|---|
| Aircel Limited | Holding Company | 74.00% |
Key managerial personnel: VIPUL SAURABH (CEO) · SHARAD KUMAR GOYAL (CFO)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 45 · Distress 50
Growth signals & trust indicators
Asset base grew 38% - capacity expansion.
Operating for 14+ years.
Active EPFO - real payroll on record.
Distress signals & risk flags
Revenue declined year-on-year.
Losses deepening year-on-year.
Statutory filings appear overdue.
Compliance score is weak (8/100).
1 open charge(s) registered - assets are encumbered.
1 auditor resignation(s) on record - review the stated reasons.
1 court case(s) on record - see the legal section for details.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence31/100
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 assessment32/100
Enhanced diligence advised
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 1 open charge(s) of 21,675.80 cr already registered.
- Compliance gaps should be priced into terms.
Investor view42/100
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 churn warrants questions.
09
MCA Filings & Events Timeline
Latest 15 events14 Feb 2018
Director ceased
UMESH JAIN
Director ceased
UTHAYA KUMAR
10 Feb 2018
Director ceased
SUNEETA REDDY
24 Jan 2018
Director ceased
THARMAPURAM SUBRAMANIAM NARAYANASAMI
11 Jan 2018
Director ceased
SHEO NANDAN SAHAI
07 Jan 2018
Director ceased
ANAND SWARUP PATHAK
26 Jul 2017
Last AGM held
Annual general meeting
05 Apr 2017
Director ceased
BALASUBRAHMANYAM VENKATARAMAN
31 Mar 2017
Share transfer (FY 2017)
1.00000000 shares to GANDHI
Latest balance sheet
Filed with ROC
24 Jun 2016
Director appointed
UMESH JAIN (Nominee Director)
31 Mar 2016
Share transfer (FY 2016)
1.00000000 shares to bagri
Share transfer (FY 2016)
1.00000000 shares to kumar Sharad
Share transfer (FY 2016)
1.00000000 shares to Ravish
23 Mar 2016
Director appointed
SHARAD KUMAR GOYAL (CFO)
10
Key Observations
Auto-generated from the data aboveRevenue declined 1.42 over the last 1 financial year(s).
Net profit margin moved from 2.1x to 24%.
Net worth is positive.
5 active director(s) / partner(s); review board churn before relying on management continuity.
Carries an external credit rating of D from Care.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a dominant controlling stake as per the FY 2017 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 1 security allotment(s) - amounts available in the full report.
| Company | CIN | Location |
|---|---|---|
| Par Investments Ltd | U65990GJ1987PLC092503 | Atul, Gujarat, India |
| Sravanthi Agencies Private Limited | U52110TG1991PTC013612 | Hyderabad, Telangana, India |
| Elegant Finvest Private Limited | U65929DL1996PTC079554 | Delhi, Delhi, India |
| Ramkrishna Fincap Ltd | L51909WB1982PLC034423 | Kolkata, West Bengal, India |
| Option Exports Private Limited | U51900MH1999PTC120857 | Mumbai, Maharashtra, India |
| Money World Finance Private Limited | U65100TZ2012PTC018747 | Hosur, Tamil Nadu, India |
| Aradhana Commercial Private Limited | U51109WB2006PTC112135 | Kolkata, West Bengal, India |
| Smpl Financial Consultancy Services Private Limited | U74140DL2006PTC144608 | New Delhi, Delhi, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Aircel Smart Money Limited before audits and certifications: compliance score 8/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Aircel Smart Money 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: Enhanced diligence advised. Credit risk score 40/100, 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 Aircel Smart Money Limited - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Caution indicated. Trust score 42/100, distress signals and MSME payment-delay disclosures - know whether Aircel Smart Money Limited pays its suppliers before you extend credit terms.
Lawyers & Compliance Teams
Litigation footprint (1 case(s) on record), regulatory flags, charge documents trail and director networks for Aircel Smart Money Limited - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Aircel Smart Money Limited an active company?
Aircel Smart Money Limited has MCA status “Active” with a compliance score of 8/100 (Caution Indicated).
Is Aircel Smart Money Limited financially healthy?
Aircel Smart Money Limited has a Financial Health Score of 40/100 (Caution Indicated) based on its filed financial statements.
Should I do business with Aircel Smart Money Limited?
Its overall Trust Score is 42/100 (Caution Indicated). Vendor verdict: Caution indicated. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Aircel Smart Money Limited?
The ultimate holding entity is Aircel Limited. 5 active director(s) are on record.
Does Aircel Smart Money Limited have loans or charges against its assets?
1 open charge(s) are registered against its assets, and 1 earlier charge(s) stand satisfied.
Is Aircel Smart Money Limited up to date with its ROC filings?
Marked ACTIVE non-compliant (INC-22A). Overall compliance score: 8/100 (Caution Indicated).
Is it risky to lend to Aircel Smart Money Limited?
Its Credit Risk Score is 40/100 (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.
