Bharat Financial Inclusion Limited - Due diligence report

A 360° intelligence report on Sksindia: trust score, financial health, credit view, compliance, directors, growth and distress signals - gen…

2003-09-22 Mumbai, Maharashtra Amalgamated Listed Active Compliant
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Sksindia — 360° Intelligence Report

Generated from MCA filings & public records
61/100
Trust Score
Moderate

Sksindia is assessed as Moderate with a Trust Score of 61/100. Sksindia is a public limited indian non-government company incorporated in 2003, 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 Aug 2026 from the latest processed filings. Bharat Financial Inclusion Limited snapshot & full profile →

Financial Health › Strong
Overall Assessment CautionWeakNeutralGoodStrong Good
Compliance › Caution

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
61/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
5/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
95/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreLow Risk
75/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
95/100
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.

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: 75/100 Low Risk
  • Liabilities ≈ 38% EBITDA - stretched.
  • No open charges - unencumbered balance sheet.
  • Moderate gearing (D/E 1.42).
  • Working-capital cover adequate.
  • Profitable - internal accruals available.
  • Externally credit-rated (AA-).

Charges position: 0 open (-) · 306 satisfied (38,824.00 cr).

Banking relationships (from registered charges)
LenderChargesAmount
Others42 48.0 cr
Yes Bank Limited22 48.0 cr
Hdfc Bank Limited19 48.0 cr
Axis Bank Limited11 48.0 cr
Dena Bank8 48.0 cr
Bank Of India6 48.0 cr
Compliance Score: 5/100 Caution Indicated
  • Company status is "Amalgamated" - not Active.
  • Last balance sheet is for Mar 2018 - filings overdue.
  • Flagged by authority: IRDA.
  • Litigation present in 3 court forum(s).
Legal cases on record (3)
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
TARUN KHANNA 01234567 Director 01/04/2018 6 yrs Approved
RAMACHANDRA RAO MADAPATI 01234567 Director 01/04/2018 6 yrs Approved
BALA CHANDRAN SRINIVASAN 01234567 Director 01/04/2018 6 yrs Approved
ASHISH DAMANI 01234567 Director 01/04/2018 6 yrs Approved
ASHISH KUMAR DAMANI 01234567 Director 01/04/2018 6 yrs Approved
PUNITA KUMAR SINHA 01234567 Director 01/04/2018 6 yrs Approved
HAYAGREEVA RAVIKUMAR PURANAM 01234567 Director 01/04/2018 6 yrs Approved
RAJENDRA LAHU PATIL 01234567 Director 01/04/2018 6 yrs Approved
GEOFFREY TANNER WOOLLEY 01234567 Director 01/04/2018 6 yrs Approved
SANJAY JAIN 01234567 Director 01/04/2018 6 yrs Approved
RAJENDER MOHAN MALLA 01234567 Director 01/04/2018 6 yrs Approved
ASHISH LAKHANPAL 01234567 Director 01/04/2018 6 yrs Approved
  • 12 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 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
50 allotment(s) · 1 transfer(s)

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

Key managerial personnel: RAMACHANDRA RAO MADAPATI (Managing Director) · ASHISH DAMANI (CFO) · ASHISH KUMAR DAMANI (CFO)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 95 · Distress 55
Growth signals & trust indicators
Revenue acceleration: +2.1x over 4 year(s).
Latest year revenue grew 24%.
Profit expanded 0.86 year-on-year.
Net margin improved to 61%.
Operating for 22+ years.
Distress signals & risk flags
Statutory filings appear overdue.
Adverse company status: Amalgamated.
Compliance score is weak (5/100).
3 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence37/100
Caution indicated
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 view86/100
Positive growth indicators
Growth quality and scalability through an investor lens.
  • 4 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 15 events
18 Jun 2019
Charge satisfied
Others
17 Jun 2019
Charge satisfied
The Hongkong And Shanghai Banking Corporation Limited
15 Jun 2019
Charge satisfied
Axis Bank Limited
18 Apr 2019
Director appointed
ASHISH DAMANI (CFO)
Director appointed
ASHISH KUMAR DAMANI (CFO)
12 Apr 2019
Charge satisfied
Others
08 Apr 2019
Charge satisfied
Axis Bank Limited
04 Apr 2019
Charge satisfied
Citi Bank N.A.
Charge satisfied
Others
Charge satisfied
Dena Bank
03 Apr 2019
Charge satisfied
Others
02 Apr 2019
Charge satisfied
Bank Of India
Charge satisfied
State Bank Of India
Charge satisfied
State Bank Of Mysore
30 Mar 2019
Charge satisfied
Others
10

Key Observations

Auto-generated from the data above
Revenue grew 38% over the last 4 financial year(s).
Net profit margin moved from 1.42 to 2.1x.
Debt-to-equity stands at 24% - manageable leverage.
Net worth is positive.
12 active director(s) / partner(s); board looks stable and experienced.
All 306 registered charge(s) stand satisfied - past borrowings repaid.
Carries an external credit rating of AA- from Care.
Promoters hold a minority stake as per the FY 2018 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 50 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Edelweiss Agri Value Chain Limited U63090MH2014PLC256473 Mumbai, Maharashtra, India
Snowtex Investment Limited U66010WB1995PLC069088 Kolkata, West Bengal, India
Ifci L74899DL1993GOI053677 New Delhi, Delhi, India
Tatacapital L65990MH1991PLC060670 Mumbai, Maharashtra, India
Birds Forex Private Limited U74999MH2014PTC257627 Mumbai, Maharashtra, India
Capitalfirst L29120MH2005PLC156795 Mumbai, Maharashtra, India
Muthootfinance L65910KL1997PLC011300 Ernakulam, Kerala, India
Mahindra Finance L65921MH1991PLC059642 Mumbai, Maharashtra, India
12

Who Uses This Report

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

Verify Sksindia before audits and certifications: compliance score 5/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Sksindia: 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 75/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Positive growth indicators. Growth score 95/100, margin trends, ownership structure and peer set for Sksindia - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Caution indicated. Trust score 61/100, distress signals and MSME payment-delay disclosures - know whether Sksindia pays its suppliers before you extend credit terms.

Lawyers & Compliance Teams

Litigation footprint (3 case(s) on record), regulatory flags, charge documents trail and director networks for Sksindia - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Sksindia an active company?

Sksindia has MCA status “Amalgamated” with a compliance score of 5/100 (Caution Indicated).

Is Sksindia financially healthy?

Sksindia has a Financial Health Score of 95/100 (Low Risk) based on its filed financial statements.

Should I do business with Sksindia?

Its overall Trust Score is 61/100 (Moderate). Vendor verdict: Caution indicated. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Sksindia?

Promoters hold a minority stake - exact percentages are in the full report. 12 active director(s) are on record.

Does Sksindia have loans or charges against its assets?

No open charges - all 306 registered charge(s) stand satisfied, indicating past borrowings were repaid.

Is Sksindia up to date with its ROC filings?

Last balance sheet is for Mar 2018 - filings overdue. Overall compliance score: 5/100 (Caution Indicated).

Is it risky to lend to Sksindia?

Its Credit Risk Score is 75/100 (Low Risk). 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.