Bharat Vikas Micro Finance - Due diligence report

A 360° intelligence report on Bharat Vikas Micro Finance: trust score, financial health, credit view, compliance, directors, growth and dist…

2012-09-21 New Delhi, Delhi Active Unlisted Active Compliant
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Bharat Vikas Micro Finance — 360° Intelligence Report

Generated from MCA filings & public records
90/100
Trust Score
Low Risk

Bharat Vikas Micro Finance is assessed as Low Risk with a Trust Score of 90/100. Bharat Vikas Micro Finance is an active private not for profit company incorporated in 2012, 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 low financial risk profile.

Report generated on 17 Jul 2026 from the latest processed filings. Bharat Vikas Micro Finance snapshot & full profile →

Financial Health › Strong
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
90/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
100/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
80/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreLow Risk
85/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
90/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
95/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
90/100
Early-warning signals - higher means fewer warnings.
03

Financial Intelligence Dashboard

Standalone · 2 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: 85/100 Low Risk
  • Liabilities ≈ 38% EBITDA - serviceable.
  • No open charges - unencumbered balance sheet.
  • Profitable - internal accruals available.

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

Compliance Score: 100/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
05

Director Intelligence

Stability score: 90/100
NameDIN / PANDesignationAppointedTenureDIN status
SANGITA BARANWAL 01234567 Director 01/04/2018 6 yrs Approved
PRAVEEN KUMAR AGRAWAL 01234567 Director 01/04/2018 6 yrs Approved
BHAGWAN PRASAD BARANWAL 01234567 Director 01/04/2018 6 yrs Approved
  • 3 directors on the board.
  • No disqualified or deactivated DINs.
  • 1 director exit(s) in the last 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 95 · Distress 90
Growth signals & trust indicators
Revenue acceleration: +1.42 over 1 year(s).
Latest year revenue grew 2.1x.
Profit expanded 24% year-on-year.
Net margin improved to 0.86.
Operating for 13+ years.
Distress signals & risk flags
No critical warning flags detected in the available data.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence94/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • No distress signals on file.
  • Financial filings available for verification.
Banker assessment87/100
Favourable lending indicators
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 view88/100
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 11 events
29 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
17 Mar 2025
Director ceased
LALIT MISHRA
01 Apr 2021
Director ceased
PRAVEEN KUMAR AGRAWAL
21 Sep 2012
Incorporated
Registered with Roc Delhi I
Director appointed
SANGITA BARANWAL (Director)
Director appointed
PRAVEEN KUMAR AGRAWAL (Director)
Director appointed
BHAGWAN PRASAD BARANWAL (Director)
Director ceased
ANUPAMA SHUKLA
Director ceased
RAJESH KALICHARAN SHUKLA
Director ceased
SANGITA MISHRA
10

Key Observations

Auto-generated from the data above
Revenue grew 61% over the last 1 financial year(s).
Net profit margin moved from 38% to 1.42.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
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
Thanima Kuries Private Limited U65992KL2005PTC018980 Thrissur-680 724., Kerala, India
Holy Shine Kuries Private Limited U65992KL2013PTC033715 Thrissur, Kerala, India
Sunflower Developers Private Limited U74899DL1986PTC025090 New Delhi, Delhi, India
Southcalcutta Commerce Private Limited U74900WB2012PTC187423 Kolkata, West Bengal, India
Jvs Money Managers Private Limited U67120MH1996PTC097833 Mumbai, Maharashtra, India
Ars Sales Private Limited U52190WB2011PTC170078 Kolkata, West Bengal, India
Highrise Tieup Private Limited U51909WB2010PTC155805 Kolkata, West Bengal, India
Henco Commercials Pvt Ltd U52321DL1995PTC273602 New Delhi, Delhi, India
12

Who Uses This Report

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

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

Company Secretaries (CS)

Track statutory health of Bharat Vikas Micro Finance: 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: Favourable lending indicators. Credit risk score 85/100, 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 Bharat Vikas Micro Finance - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 90/100, distress signals and MSME payment-delay disclosures - know whether Bharat Vikas Micro Finance pays its suppliers before you extend credit terms.

Lawyers & Compliance Teams

Litigation footprint (no cases on record), regulatory flags, charge documents trail and director networks for Bharat Vikas Micro Finance - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Bharat Vikas Micro Finance an active company?

Bharat Vikas Micro Finance has MCA status “Active” with a compliance score of 100/100 (Low Risk).

Is Bharat Vikas Micro Finance financially healthy?

Bharat Vikas Micro Finance has a Financial Health Score of 80/100 (Low Risk) based on its filed financial statements.

Should I do business with Bharat Vikas Micro Finance?

Its overall Trust Score is 90/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Bharat Vikas Micro Finance?

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

Does Bharat Vikas Micro Finance have loans or charges against its assets?

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

Is Bharat Vikas Micro Finance up to date with its ROC filings?

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

Is it risky to lend to Bharat Vikas Micro Finance?

Its Credit Risk Score is 85/100 (Low Risk). Banker verdict: Favourable lending indicators.

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.