Anjali Microfin Private Limited - Due diligence report

A 360° intelligence report on Anjali Microfinance: trust score, financial health, credit view, compliance, directors, growth and distress si…

1996-08-07 Kolkata, West Bengal Active Unlisted Active Compliant
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Anjali Microfinance — 360° Intelligence Report

Generated from MCA filings & public records
74/100
Trust Score
Moderate

Anjali Microfinance is assessed as Moderate with a Trust Score of 74/100. Anjali Microfinance is an active private limited indian non-government company incorporated in 1996, operating in the Financial Services sector. The company has shown revenue growth 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 moderate compliance risk and moderate financial risk profile.

Report generated on 04 Jul 2026 from the latest processed filings. Anjali Microfin Private Limited snapshot & full profile →

Financial Health › Good
Overall Assessment CautionWeakNeutralGoodStrong Strong
Compliance › Good

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
74/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
63/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
60/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
40/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
80/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
75/100
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.

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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: 40/100 Caution Indicated
  • Negative operating earnings - debt service depends on external support.
  • Open charges exceed net worth - secured lenders rank ahead.
  • Moderate gearing (D/E 38%).

Charges position: 6 open (12.70 cr) · 1 satisfied (9.00 Lakh).

Banking relationships (from registered charges)
LenderChargesAmount
Ananya Finance For Inclusive Growth Private Limited4 48.0 cr
Uco Bank1 48.0 cr
Ifmr Mezzanine Finance Private Limited1 48.0 cr
Hdfc Bank Limited1 48.0 cr
Compliance Score: 63/100 Moderate
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • Flagged by authority: FIU.
  • Litigation present in 1 court forum(s).
  • 1 active GST registration(s).
Legal cases on record (1)
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
Piyush Verma 01234567 Director 01/04/2018 6 yrs Approved
KUNTAL CHATTERJEE 01234567 Director 01/04/2018 6 yrs Approved
MANISH AGARWAL 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.
06

Ownership & Group Intelligence

As per FY 2018 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
8 allotment(s) · 1 transfer(s)

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 80 · Distress 75
Growth signals & trust indicators
Revenue acceleration: +1.42 over 4 year(s).
Latest year revenue grew 2.1x.
Operating for 29+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Losses deepening year-on-year.
6 open charge(s) registered - assets are encumbered.
1 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence70/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Check the compliance flags before onboarding.
  • 1 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment52/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
  • Debt capacity assessed from filed statements.
  • 6 open charge(s) of 12.70 cr already registered.
  • Compliance gaps should be priced into terms.
Investor view72/100
Positive growth indicators
Growth quality and scalability through an investor lens.
  • 2 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 15 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
30 Aug 2024
Director appointed
Piyush Verma (Additional Director)
31 Jan 2024
Charge satisfied
Hdfc Bank Limited
03 Feb 2023
Director appointed
KUNTAL CHATTERJEE (Director)
06 Jan 2023
Director ceased
RATAN LAL AGARWAL
15 Jul 2020
Securities allotted
2500000 Equity Shares Without Differential Rights - 2.50 cr raised
31 Mar 2017
Share transfer (FY 2017)
1136944.00000000 shares to Mountain Vanijya
01 Jun 2016
Director ceased
JOHN MAYNE
01 Jun 2014
Director ceased
AMOOR RADHAKRISHNAN MURALIDHARAN RADHAKRISHNAN
18 Mar 2013
Director ceased
BIJAY KRISHNA DATTA
21 Sep 2012
Charge created
Uco Bank - 5.00 cr
05 Jun 2012
Securities allotted
1000000 Equity Shares Without Differential Rights - 1.00 cr raised
14 Feb 2012
Securities allotted
2500000 Preference Shares - 2.50 cr raised
Securities allotted
2000000 Equity Shares Without Differential Rights - 2.00 cr raised
10

Key Observations

Auto-generated from the data above
Revenue grew 24% over the last 4 financial year(s).
Debt-to-equity stands at 0.86 - manageable leverage.
Net worth is positive.
3 active director(s) / partner(s); board looks stable and experienced.
1 active GST registration(s) indicate ongoing business operations.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a dominant controlling stake as per the FY 2018 annual return.
Capital has been raised through 8 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Hmp Legalease Corporate Consultants Private Limited U74994DL2018PTC343588 Rohini, Delhi, India
Oberois Commotrade Private Limited U74999HR2011PTC049511 Jagadhari, Haryana, India
Betley Capital Services Private Limited U65990HR2019PTC077780 Gurgaon, Haryana, India
Conrad Tele-Films Private Limited U15314DL1988PTC343502 New Delhi, Delhi, India
Prosperity Securities Private Limited U67190MH2009PTC196621 Thane, Maharashtra, India
The Busyless Services Private Limited U74999DL2016PTC299865 Delhi, Delhi, India
Gauri Marketing Company Private Limited U74110PB1997PTC020840 Ludhiana, Punjab, India
Global Finpro Management Services Private Limited U67190DL2015PTC286539 New Delhi, Delhi, India
12

Who Uses This Report

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

Verify Anjali Microfinance before audits and certifications: compliance score 63/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Anjali Microfinance: 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 40/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Positive growth indicators. Growth score 80/100, margin trends, ownership structure and peer set for Anjali Microfinance - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 74/100, distress signals and MSME payment-delay disclosures - know whether Anjali Microfinance 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 Anjali Microfinance - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Anjali Microfinance an active company?

Anjali Microfinance has MCA status “Active” with a compliance score of 63/100 (Moderate).

Is Anjali Microfinance financially healthy?

Anjali Microfinance has a Financial Health Score of 60/100 (Moderate) based on its filed financial statements.

Should I do business with Anjali Microfinance?

Its overall Trust Score is 74/100 (Moderate). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Anjali Microfinance?

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

Does Anjali Microfinance have loans or charges against its assets?

6 open charge(s) are registered against its assets, and 1 earlier charge(s) stand satisfied.

Is Anjali Microfinance up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 63/100 (Moderate).

Is it risky to lend to Anjali Microfinance?

Its Credit Risk Score is 40/100 (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.