Asmitha Microfin Limited - Due diligence report

A 360° intelligence report on Asmitha Microfin: trust score, financial health, credit view, compliance, directors, growth and distress signa…

2001-02-26 Andhra Pradesh, Telangana Active Unlisted Active Compliant
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Asmitha Microfin — 360° Intelligence Report

Generated from MCA filings & public records
50/100
Trust Score
Moderate

Asmitha Microfin is assessed as Moderate with a Trust Score of 50/100. Asmitha Microfin is an active public limited indian non-government company incorporated in 2001, 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 12 Jul 2026 from the latest processed filings. Asmitha Microfin Limited snapshot & full profile →

Financial Health › Caution
Overall Assessment CautionWeakNeutralGoodStrong Neutral
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
50/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
44/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
5/100
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
90/100
Board strength, DIN status, churn and network.
Growth ScoreCaution Indicated
40/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
55/100
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: 45/100 Caution Indicated
  • Liabilities ≈ 38% EBITDA - stretched.
  • Externally credit-rated (D).

Charges position: 37 open (2,822.46 cr) · 72 satisfied (1,534.55 cr).

Banking relationships (from registered charges)
LenderChargesAmount
Others6 48.0 cr
Hdfc Bank Limited14 48.0 cr
3I Infotech Trusteeship Services Limited4 48.0 cr
Small Industries Development Bank Of India3 48.0 cr
Idbi Trusteeship Services Limited1 48.0 cr
Yes Bank Limited6 48.0 cr
Compliance Score: 44/100 Caution Indicated
  • Company status is Active as per MCA.
  • Balance sheet slightly behind (Mar 2024).
  • Flagged by authority: RBI.
  • Litigation present in 2 court forum(s).
Legal cases on record (2)
05

Director Intelligence

Stability score: 90/100
NameDIN / PANDesignationAppointedTenureDIN status
KHAGENDRANATH KUMAR VADLAMUDI 01234567 Director 01/04/2018 6 yrs Approved
Janaki Rama Rao Gandham 01234567 Director 01/04/2018 6 yrs Approved
SRINIVAS REDDY 01234567 Director 01/04/2018 6 yrs Approved
VAISHALI VAIDYA 01234567 Director 01/04/2018 6 yrs Approved
MUSTI KALPANA MADHAV KOSGI 01234567 Director 01/04/2018 6 yrs Approved
JAYASURYA REKAM 01234567 Director 01/04/2018 6 yrs Approved
  • 6 directors on the board.
  • No disqualified or deactivated DINs.
  • 1 director exit(s) in the last 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
14 allotment(s) · 0 transfer(s)

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

Key managerial personnel: SRINIVAS REDDY (Whole-time director) · MUSTI KALPANA MADHAV KOSGI (CFO) · JAYASURYA REKAM (Whole-time director)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 40 · Distress 55
Growth signals & trust indicators
Operating for 25+ years.
Active EPFO - real payroll on record.
Distress signals & risk flags
Revenue declined year-on-year.
Negative net worth.
Compliance score is weak (44/100).
37 open charge(s) registered - assets are encumbered.
2 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence49/100
Review suggested
Suitability as a supplier / customer counterparty.
  • Check the compliance flags before onboarding.
  • 2 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment33/100
Enhanced diligence advised
Indicative lending comfort for banks, NBFCs and trade credit.
  • Debt capacity assessed from filed statements.
  • 37 open charge(s) of 2,822.46 cr already registered.
  • Compliance gaps should be priced into terms.
Investor view30/100
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 events
30 Sep 2025
Last AGM held
Annual general meeting
27 Feb 2025
Director appointed
SRINIVAS REDDY (Whole-time director)
26 Sep 2024
Director ceased
Janaki Rama Rao Gandham
31 Mar 2024
Latest balance sheet
Filed with ROC
30 Mar 2024
Director appointed
Janaki Rama Rao Gandham (Director)
27 Sep 2021
Director ceased
KHAGENDRANATH KUMAR VADLAMUDI
31 Mar 2021
Charge satisfied
Maanaveeya Holdings & Investments Private Limited
30 Dec 2020
Director appointed
KHAGENDRANATH KUMAR VADLAMUDI (Director)
30 Sep 2020
Director ceased
VENKATA SURESH MANIAN
25 Feb 2020
Director ceased
EPHATHA NARESH PINAPATI
30 Nov 2019
Director ceased
SRABANI PARCHURE
25 Jul 2019
Director appointed
MUSTI KALPANA MADHAV KOSGI (CFO)
05 Mar 2019
Charge satisfied
Others
11 Feb 2019
Director ceased
ARUN ASOK RAJEE
04 Oct 2018
Charge satisfied
Axis Bank Ltd
10

Key Observations

Auto-generated from the data above
Revenue declined 1.42 over the last 4 financial year(s).
Net profit margin moved from 2.1x to 24%.
6 active director(s) / partner(s); board looks stable and experienced.
Carries an external credit rating of D from Crisil.
EPFO-registered employer - verifiable payroll history exists.
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 14 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Devaki Chits Private Limited U65992PY2011PTC002632 Puducherry, Pondicherry, India
Kit Commercial Pvt.Ltd. U51909WB1995PTC067102 Kolkata, West Bengal, India
Micro Green Housing Finance Private Limited U65999MH2022PTC378239 Mumbai, Maharashtra, India
Magnanimous Trade & Finance Ltd L65923RJ1991PLC059251 Jaipur, Rajasthan, India
Rajlakshmi Tradelink Pvt Ltd U51109WB1996PTC077806 Kolkata, West Bengal, India
Quadito Private Limited U74999KA2018PTC117112 Bangalore, Karnataka, India
Rohan Resources Private Limited U63090WB2005PTC105843 Na, West Bengal, India
Wrinkle Marketing Pvt Ltd U51909WB1995PTC072728 Kolkata, West Bengal, India
12

Who Uses This Report

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

Verify Asmitha Microfin 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 Asmitha Microfin: 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 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 40/100, margin trends, ownership structure and peer set for Asmitha Microfin - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Review suggested. Trust score 50/100, distress signals and MSME payment-delay disclosures - know whether Asmitha Microfin 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 Asmitha Microfin - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Asmitha Microfin an active company?

Asmitha Microfin has MCA status “Active” with a compliance score of 44/100 (Caution Indicated).

Is Asmitha Microfin financially healthy?

Asmitha Microfin has a Financial Health Score of 5/100 (Caution Indicated) based on its filed financial statements.

Should I do business with Asmitha Microfin?

Its overall Trust Score is 50/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Asmitha Microfin?

Promoters hold a minority stake - exact percentages are in the full report. 6 active director(s) are on record.

Does Asmitha Microfin have loans or charges against its assets?

37 open charge(s) are registered against its assets, and 72 earlier charge(s) stand satisfied.

Is Asmitha Microfin up to date with its ROC filings?

Balance sheet slightly behind (Mar 2024). Overall compliance score: 44/100 (Caution Indicated).

Is it risky to lend to Asmitha Microfin?

Its Credit Risk Score is 45/100 (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.