Bharatiya Fincom Private Limited - Due diligence report

A 360° intelligence report on Bharatiya Fincom Private Limited: trust score, financial health, credit view, compliance, directors, growth an…

1983-03-23 Bhubaneswar, Orissa Active Unlisted Active Compliant
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Bharatiya Fincom Private Limited — 360° Intelligence Report

Generated from MCA filings & public records
67/100
Trust Score
Moderate

Bharatiya Fincom Private Limited is assessed as Moderate with a Trust Score of 67/100. Bharatiya Fincom Private Limited is an active private limited indian non-government company incorporated in 1983, operating in the Financial Services sector. The company has shown revenue growth 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 moderate compliance risk and moderate financial risk profile.

Report generated on 16 Aug 2026 from the latest processed filings. Bharatiya Fincom Private Limited snapshot & full profile →

Financial Health › Neutral
Overall Assessment CautionWeakNeutralGoodStrong Good
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
67/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
58/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
50/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
40/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
75/100
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.

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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: 40/100 Caution Indicated
  • Liabilities ≈ 38% EBITDA - stretched.
  • No open charges - unencumbered balance sheet.
  • Elevated gearing (D/E 1.42).
  • Working-capital cover adequate.

Charges position: 0 open (-) · 2 satisfied (2.25 cr).

Banking relationships (from registered charges)
LenderChargesAmount
State Bank Of Patiala1 48.0 cr
Uco Bank1 48.0 cr
Compliance Score: 58/100 Moderate
  • Company status is Active as per MCA.
  • Balance sheet slightly behind (Mar 2024).
  • Flagged by authority: FIU, RBI.
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
VINOD BHOLANATH SINGH 01234567 Director 01/04/2018 6 yrs Approved
SHRADDHA VINOD SINGH 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 2016)
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
3 allotment(s) · 0 transfer(s)

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 75 · Distress 65
Growth signals & trust indicators
Steady revenue growth: +2.1x over 4 year(s).
Latest year revenue grew 24%.
Asset base grew 0.86 - capacity expansion.
Operating for 43+ years.
Distress signals & risk flags
Losses deepening year-on-year.
Outside liabilities up 61% in a year.
Compliance score is weak (58/100).
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence63/100
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 assessment48/100
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 view64/100
Mixed indicators
Growth quality and scalability through an investor lens.
  • 3 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 15 events
23 Sep 2024
Last AGM held
Annual general meeting
06 Sep 2024
Charge satisfied
State Bank Of Patiala
31 Mar 2024
Latest balance sheet
Filed with ROC
03 Oct 2022
Securities allotted
17 Debentures - 4.25 cr raised
30 Sep 2022
Director ceased
AMAR VIJAYKUMAR AGRAWAL
Director ceased
AJAY VIJAYKUMAR AGRAWAL
15 Jun 2017
Securities allotted
730000 Equity Shares Without Differential Rights - 10.00 raised
29 Apr 2015
Charge created
State Bank Of Patiala - 2.00 cr
01 Nov 2013
Director appointed
SHRADDHA VINOD SINGH (Director)
Director ceased
MALTI AMARBAHADUR SINGH
02 May 2013
Charge satisfied
Uco Bank
10 Sep 2011
Director ceased
SURENDRA AGARWAL
12 May 2011
Securities allotted
270000 Equity Shares Without Differential Rights - 27.00 Lakh raised
19 Jan 2011
Director ceased
RAJESH AGARWAL
15 Jan 2011
Director appointed
VINOD BHOLANATH SINGH (Director)
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% - leverage worth monitoring.
Net worth is positive.
2 active director(s) / partner(s); board looks stable and experienced.
All 2 registered charge(s) stand satisfied - past borrowings repaid.
Promoters hold a dominant controlling 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 3 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Es Es Cranes Private Limited U29249TN2019PTC129703 Thiruvallur, Tamil Nadu, India
Bangani Mercantiles Private Limited U51109WB1992PTC055723 Kolkata, West Bengal, India
Y And H Patel Finance Limited U65929GJ1994PLC021334 Ahmedabad, Gujarat, India
Pujam Sales & Services Pvt Ltd U51909CT1995PTC008260 Raipur, Chattisgarh, India
Amardeep Castel Private Limited U40108WB2009PTC136533 Kolkata, West Bengal, India
Kaiypeti Chits Private Limited U65992TZ2016PTC022209 Coimbatore, Tamil Nadu, India
Bundelkhand Vikas Nidhi Limited U65999MP2017PLC043475 Chhatarpur, Madhya Pradesh, India
Piyush Suppliers Pvt Ltd U51909WB1996PTC077337 Kolkata, West Bengal, India
12

Who Uses This Report

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

Verify Bharatiya Fincom Private Limited before audits and certifications: compliance score 58/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Bharatiya Fincom 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 40/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Mixed indicators. Growth score 75/100, margin trends, ownership structure and peer set for Bharatiya Fincom Private Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Review suggested. Trust score 67/100, distress signals and MSME payment-delay disclosures - know whether Bharatiya Fincom Private Limited 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 Bharatiya Fincom Private Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Bharatiya Fincom Private Limited an active company?

Bharatiya Fincom Private Limited has MCA status “Active” with a compliance score of 58/100 (Moderate).

Is Bharatiya Fincom Private Limited financially healthy?

Bharatiya Fincom Private Limited has a Financial Health Score of 50/100 (Moderate) based on its filed financial statements.

Should I do business with Bharatiya Fincom Private Limited?

Its overall Trust Score is 67/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Bharatiya Fincom Private Limited?

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

Does Bharatiya Fincom Private Limited have loans or charges against its assets?

No open charges - all 2 registered charge(s) stand satisfied, indicating past borrowings were repaid.

Is Bharatiya Fincom Private Limited up to date with its ROC filings?

Balance sheet slightly behind (Mar 2024). Overall compliance score: 58/100 (Moderate).

Is it risky to lend to Bharatiya Fincom Private Limited?

Its Credit Risk Score is 40/100 (Caution Indicated). 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.