Arc Finance Ltd - Due diligence report

A 360° intelligence report on Arc Finance Ltd: trust score, financial health, credit view, compliance, directors, growth and distress signal…

1982-09-23 Kolkata, West Bengal Active Listed Active Compliant
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Arc Finance Ltd — 360° Intelligence Report

Generated from MCA filings & public records
71/100
Trust Score
Moderate

Arc Finance Ltd is assessed as Moderate with a Trust Score of 71/100. Arc Finance Ltd is an active public limited indian non-government company incorporated in 1982, operating in the Financial Services sector. The company has shown revenue growth across its recent filed years. It was profitable in its latest filed year. Based on MCA filings and public records, it currently shows a high compliance risk and low financial risk profile.

Report generated on 18 Oct 2026 from the latest processed filings. Arc Finance Ltd snapshot & full profile →

Financial Health › Strong
Overall Assessment CautionWeakNeutralGoodStrong Strong
Compliance › Weak

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
71/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
44/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
75/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
65/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
75/100
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.

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: 65/100 Moderate
  • Liabilities ≈ 38% EBITDA - stretched.
  • No open charges - unencumbered balance sheet.
  • Moderate gearing (D/E 1.42).
  • Profitable - internal accruals available.

Charges position: 0 open (-) · 0 satisfied (-).

Compliance Score: 44/100 Caution Indicated
  • Company status is Active as per MCA.
  • Balance sheet slightly behind (Mar 2025).
  • Flagged by authority: FIU, BSE, SEBI.
  • Litigation present in 2 court forum(s).
Legal cases on record (2)
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
SOMNATH CHITRAKAR 01234567 Director 01/04/2018 6 yrs Approved
APARNA SHARMA 01234567 Director 01/04/2018 6 yrs Approved
SOMNATH CHITRAKAR 01234567 Director 01/04/2018 6 yrs Approved
SHIKHA SINGHAL 01234567 Director 01/04/2018 6 yrs Approved
VIRENDRA KUMAR SONI 01234567 Director 01/04/2018 6 yrs Approved
ASIS BANERJEE 01234567 Director 01/04/2018 6 yrs Approved
GOPAL SINGH 01234567 Director 01/04/2018 6 yrs Approved
  • 7 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 2023)
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 2023 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
1 allotment(s) · 0 transfer(s)

Promoters hold a minority stake - exact percentages are part of the full report.

Key managerial personnel: SOMNATH CHITRAKAR (CFO) · VIRENDRA KUMAR SONI (Managing Director)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 75 · Distress 75
Growth signals & trust indicators
Steady revenue growth: +2.1x over 4 year(s).
Profit expanded 24% year-on-year.
Net margin improved to 0.86.
Operating for 44+ years.
Distress signals & risk flags
Revenue declined year-on-year.
Compliance score is weak (44/100).
2 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence61/100
Review suggested
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 assessment63/100
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 gaps should be priced into terms.
Investor view74/100
Positive growth indicators
Growth quality and scalability through an investor lens.
  • 3 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 15 events
20 Sep 2025
Director appointed
SHIKHA SINGHAL (Director)
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
29 Sep 2023
Director ceased
SUROJIT SARKAR
05 Sep 2023
Director appointed
SOMNATH CHITRAKAR (CFO)
01 Aug 2022
Director appointed
SOMNATH CHITRAKAR (Director)
28 Sep 2019
Director ceased
DINESH AGARWAL
05 Sep 2019
Director appointed
VIRENDRA KUMAR SONI (Managing Director)
17 Apr 2019
Director ceased
RAMAWTAR GUPTA
08 Feb 2019
Director ceased
PAWAN DALMIA
04 Sep 2018
Director ceased
PRADIP KUMAR AGARWAL
25 Mar 2015
Director appointed
APARNA SHARMA (Director)
17 Sep 2014
Securities allotted
50000000.00 Equity Shares - 50.00 cr raised
23 May 2014
Director ceased
ASHOK VARDHAN KOTHARI
04 Apr 2014
Director ceased
DEEPIKA MAHESWARI
10

Key Observations

Auto-generated from the data above
Revenue grew 61% over the last 4 financial year(s).
Net profit margin moved from 38% to 1.42.
Debt-to-equity stands at 2.1x - manageable leverage.
Net worth is positive.
7 active director(s) / partner(s); board looks stable and experienced.
Promoters hold a minority stake as per the FY 2023 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.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Glossy Vintrade Private Limited U51909WB2010PTC150689 Kolkata, West Bengal
Ckj Exports Private Limited U51109WB2007PTC115873 Kolkata, West Bengal
Leeladhar Commercial Private Limited U51909WB2004PTC100879 Kolkata, West Bengal
Bachhawat Share Broking Pvt Ltd U67120WB1999PTC090870 Kolkata, West Bengal
Madhai International Pvt Ltd U51909WB1994PTC065424 Kolkata, West Bengal
Suresh Dealer Private Limited U51900WB2008PTC129786 Kolkata, West Bengal
Ascent Vyapaar Private Limited U51909WB2005PTC101582 Kolkata, West Bengal
Bcl Financial Services Ltd. L65993WB1988PLC044130 Kolkata, West Bengal
Pearltree Niwas Advisory Private Limited U74900WB2013PTC190770 Kolkata, West Bengal
Bikaner Builders Private Limited U70101WB2004PTC100350 Kolkata, West Bengal
12

Who Uses This Report

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

Verify Arc Finance Ltd before audits and certifications: compliance score 44/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Arc Finance Ltd: 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 65/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Positive growth indicators. Growth score 75/100, margin trends, ownership structure and peer set for Arc Finance Ltd - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Review suggested. Trust score 71/100, distress signals and MSME payment-delay disclosures - know whether Arc Finance Ltd pays its suppliers before you extend credit terms.

Lawyers & Compliance Teams

Litigation footprint (2 case(s) on record), regulatory flags, charge documents trail and director networks for Arc Finance Ltd - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Arc Finance Ltd an active company?

Arc Finance Ltd has MCA status “Active” with a compliance score of 44/100 (Caution Indicated).

Is Arc Finance Ltd financially healthy?

Arc Finance Ltd has a Financial Health Score of 75/100 (Low Risk) based on its filed financial statements.

Should I do business with Arc Finance Ltd?

Its overall Trust Score is 71/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Arc Finance Ltd?

Promoters hold a minority stake - exact percentages are in the full report. 7 active director(s) are on record.

Does Arc Finance Ltd have loans or charges against its assets?

No charges are registered against this company - an unencumbered balance sheet.

Is Arc Finance Ltd up to date with its ROC filings?

Balance sheet slightly behind (Mar 2025). Overall compliance score: 44/100 (Caution Indicated).

Is it risky to lend to Arc Finance Ltd?

Its Credit Risk Score is 65/100 (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.