Bhagyaroopa Chits Private Limited - Due diligence report

A 360° intelligence report on Bhagyaroopa Chits Private Limited: trust score, financial health, credit view, compliance, directors, growth a…

2010-06-17 Pandalur Taluk, Tamil Nadu Active Unlisted Active Compliant
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BC Bhagyaroopa Chits Private Limited
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Bhagyaroopa Chits Private Limited — 360° Intelligence Report

Generated from MCA filings & public records
77/100
Trust Score
Low Risk

Bhagyaroopa Chits Private Limited is assessed as Low Risk with a Trust Score of 77/100. Bhagyaroopa Chits Private Limited is an active private limited indian non-government company incorporated in 2010, 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 low compliance risk and moderate financial risk profile.

Report generated on 17 Jul 2026 from the latest processed filings. Bhagyaroopa Chits Private Limited snapshot & full profile →

Financial Health › Good
Overall Assessment CautionWeakNeutralGoodStrong Strong
Compliance › Strong

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 ScoreLow Risk
77/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
93/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
55/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
55/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
65/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
50/100
Early-warning signals - higher means fewer warnings.
03

Financial Intelligence Dashboard

Standalone · 4 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: 55/100 Moderate
  • Liabilities ≈ 38% EBITDA - stretched.
  • No open charges - unencumbered balance sheet.
  • Profitable - internal accruals available.

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

Compliance Score: 93/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • Litigation present in 1 court forum(s).
Legal cases on record (1)
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
VISHNU 01234567 Director 01/04/2018 6 yrs Approved
SASIDHARAN KAPPINKARA MADHAVAN 01234567 Director 01/04/2018 6 yrs Approved
  • 2 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 2017)
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 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.

Key managerial personnel: SASIDHARAN KAPPINKARA MADHAVAN (Managing Director)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 65 · Distress 50
Growth signals & trust indicators
Steady revenue growth: +1.42 over 3 year(s).
Asset base grew 2.1x - capacity expansion.
Operating for 16+ years.
Distress signals & risk flags
Profit declined two years in a row.
Outside liabilities up 24% in a year.
Negative net worth.
1 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence75/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • 3 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 record supports lending.
Investor view64/100
Mixed 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 7 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
25 Aug 2018
Director appointed
VISHNU (Director)
Director ceased
LATHESH ANANDAN CHETTY THONIKKADAVIL
13 Sep 2010
Director ceased
SREENIVASAN MANDANAM MADHAVAN NAIR
17 Jun 2010
Incorporated
Registered with Roc Coimbatore
Director appointed
SASIDHARAN KAPPINKARA MADHAVAN (Managing Director)
10

Key Observations

Auto-generated from the data above
Revenue grew 0.86 over the last 3 financial year(s).
Net profit margin moved from 61% to 38%.
Compliance record is strong - status, filings and flags are clean.
2 active director(s) / partner(s); board looks stable and experienced.
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.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Harshamitra Chit Fund Private Limited U65921TG2014PTC096833 Godavarikhani, Telangana, India
Dheemanth Chits Private Limited U65992KA2016PTC085291 Bangalore, Karnataka, India
Oriental Finstock Services Private Limited U65923GJ1994PTC021301 Ahmedabad, Gujarat, India
Usha Fertiliser Co Ltd U27109WB1985PLC038491 Kolkata, West Bengal, India
Royal Vision Fincorp Private Limited U67120RJ1995PTC010733 Jaipur, Rajasthan, India
Sav I Saathi Bpo Private Limited U74900TG2015PTC097370 Hyderabad, Telangana, India
Lamjing Financial Consultants Private Limited U74120MN2011PTC008286 Porompat, Manipur, India
Krishna Enforcements Services Private Limited U74900WB2014PTC204740 Kolkata, West Bengal, India
12

Who Uses This Report

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

Verify Bhagyaroopa Chits Private Limited before audits and certifications: compliance score 93/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Bhagyaroopa Chits Private 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: Mixed indicators - deeper appraisal suggested. Credit risk score 55/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Mixed indicators. Growth score 65/100, margin trends, ownership structure and peer set for Bhagyaroopa Chits Private Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 77/100, distress signals and MSME payment-delay disclosures - know whether Bhagyaroopa Chits Private 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 Bhagyaroopa Chits Private Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Bhagyaroopa Chits Private Limited an active company?

Bhagyaroopa Chits Private Limited has MCA status “Active” with a compliance score of 93/100 (Low Risk).

Is Bhagyaroopa Chits Private Limited financially healthy?

Bhagyaroopa Chits Private Limited has a Financial Health Score of 55/100 (Moderate) based on its filed financial statements.

Should I do business with Bhagyaroopa Chits Private Limited?

Its overall Trust Score is 77/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Bhagyaroopa Chits Private Limited?

Promoters hold a dominant controlling stake - exact percentages are in the full report. 2 active director(s) are on record.

Does Bhagyaroopa Chits Private Limited have loans or charges against its assets?

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

Is Bhagyaroopa Chits Private Limited up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 93/100 (Low Risk).

Is it risky to lend to Bhagyaroopa Chits Private Limited?

Its Credit Risk Score is 55/100 (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.