Associated Global Finance Ltd - Due diligence report

A 360° intelligence report on Associated Global Finance Ltd: trust score, financial health, credit view, compliance, directors, growth and d…

1995-10-19 Kolkata, West Bengal Active Unlisted Active Compliant
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AG Associated Global Finance Ltd
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Associated Global Finance Ltd — 360° Intelligence Report

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

Associated Global Finance Ltd is assessed as Moderate with a Trust Score of 74/100. Associated Global Finance Ltd is an active public limited indian non-government company incorporated in 1995, operating in the Financial Services sector. Reported revenue has declined across its recent filed years. It was profitable 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 16 Jul 2026 from the latest processed filings. Associated Global Finance Ltd snapshot & full profile →

Financial Health › Strong
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
70/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
60/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreCaution Indicated
40/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
65/100
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: 60/100 Moderate
  • Negative operating earnings - debt service depends on external support.
  • No open charges - unencumbered balance sheet.
  • Working-capital cover adequate.
  • Profitable - internal accruals available.

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

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).
Legal cases on record (1)
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
ARUN AGARWAL 01234567 Director 01/04/2018 6 yrs Approved
SHARAD AGARWAL 01234567 Director 01/04/2018 6 yrs Approved
Umang 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 2017 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
-

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 40 · Distress 65
Growth signals & trust indicators
Operating for 30+ years.
Distress signals & risk flags
Revenue declined year-on-year.
Outside liabilities up 38% in a year.
1 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence67/100
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 assessment64/100
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 view59/100
Mixed indicators
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 6 events
30 Sep 2025
Last AGM held
Annual general meeting
16 Jun 2025
Director appointed
Umang Agarwal (Director)
31 Mar 2025
Latest balance sheet
Filed with ROC
06 Jan 2003
Director appointed
SHARAD AGARWAL (Director)
19 Oct 1995
Incorporated
Registered with Roc Kolkata
Director appointed
ARUN AGARWAL (Director)
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%.
Net worth is positive.
3 active director(s) / partner(s); board looks stable and experienced.
Promoters hold a dominant controlling stake as per the FY 2017 annual return.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Pinkcity Capital Services Private Limited U67120RJ1992PTC006781 Jaipur, Rajasthan, India
Surbhi Resolutions Private Limited U70200GJ1993PTC019520 Ahmedabad, Gujarat, India
Standard Dealers Private Limited U52110WB1997PTC082918 Kolokata, West Bengal, India
Rakshodaya Chits Private Limited U65992KA2012PTC066444 Vijayanagar, Karnataka, India
Apna Muneem Private Limited U93000MH2015PTC270418 Mumbai, Maharashtra, India
Dinodia Engineering & Constructions Company Pvt Ltd U65910WB1992PTC054797 Kolkata, West Bengal, India
Impact Tours India Private Limited U63040DL2002PTC116152 New Delhi, Delhi, India
Dhanavardhika Nidhi Limited U65920KL2015PLC038728 Koonammavu, Kerala, India
12

Who Uses This Report

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

Verify Associated Global Finance Ltd 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 Associated Global 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 60/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Mixed indicators. Growth score 40/100, margin trends, ownership structure and peer set for Associated Global Finance Ltd - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Review suggested. Trust score 74/100, distress signals and MSME payment-delay disclosures - know whether Associated Global Finance Ltd 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 Associated Global Finance Ltd - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Associated Global Finance Ltd an active company?

Associated Global Finance Ltd has MCA status “Active” with a compliance score of 63/100 (Moderate).

Is Associated Global Finance Ltd financially healthy?

Associated Global Finance Ltd has a Financial Health Score of 70/100 (Moderate) based on its filed financial statements.

Should I do business with Associated Global Finance Ltd?

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

Who controls Associated Global Finance Ltd?

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

Does Associated Global Finance Ltd have loans or charges against its assets?

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

Is Associated Global Finance Ltd 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 Associated Global Finance Ltd?

Its Credit Risk Score is 60/100 (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.