Bima Pay Technology Private Limited - Due diligence report

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

2021-02-19 New Delhi, Delhi Active Unlisted Active Compliant
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BP Bima Pay Technology Private Limited
Full Due-Diligence Report + Documents
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  • Full trust, health & credit-risk scores
  • Director details, charges & MCA documents
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Bimapay — 360° Intelligence Report

Generated from MCA filings & public records
80/100
Trust Score
Low Risk

Bimapay is assessed as Low Risk with a Trust Score of 80/100. Bimapay is an active private limited indian non-government company incorporated in 2021, operating in the Information Technology sector. 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 16 Jul 2026 from the latest processed filings. Bima Pay Technology Private Limited 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
80/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
100/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
70/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
50/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreModerate
50/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
70/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
80/100
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: 50/100 Moderate
  • Liabilities ≈ 38% EBITDA - stretched.
  • No open charges - unencumbered balance sheet.
  • Elevated gearing (D/E 1.42).
  • Working-capital cover adequate.
  • 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).
  • 1 active GST registration(s).
05

Director Intelligence

Stability score: 50/100
NameDIN / PANDesignationAppointedTenureDIN status
SAURABH GARG 01234567 Director 01/04/2018 6 yrs Approved
SHELLY GARG 01234567 Director 01/04/2018 6 yrs Approved
  • 2 directors on the board.
  • SHELLY GARG has DIN status "Deactivated due to non-filing of DIR-3 KYC".
  • Stable board - no exits in 3 years.
06

Ownership & Group Intelligence

As per FY 2022 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
0 allotment(s) · 3 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 70 · Distress 80
Growth signals & trust indicators
Profit expanded 2.1x year-on-year.
Asset base grew 24% - capacity expansion.
Net margin improved to 0.86.
Operating for 5 years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Outside liabilities up 61% in a year.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence88/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • 1 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment68/100
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 view72/100
Positive growth indicators
Growth quality and scalability through an investor lens.
  • 3 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management churn warrants questions.
09

MCA Filings & Events Timeline

Latest 12 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
30 Sep 2022
Director ceased
SHELLY GARG
29 Sep 2022
Director ceased
SAURABH GARG
31 Mar 2022
Share transfer (FY 2022)
5000.00000000 shares to SAURABH GARG
Share transfer (FY 2022)
5000.00000000 shares to SHELLY GARG
Share transfer (FY 2022)
0.00000000 shares
30 Sep 2021
Director appointed
SAURABH GARG (Director)
Director appointed
SHELLY GARG (Director)
Director ceased
NEHA AGARWAL
Director ceased
KAPIL GARG
19 Feb 2021
Incorporated
Registered with Roc Delhi Ii
10

Key Observations

Auto-generated from the data above
Debt-to-equity stands at 38% - leverage worth monitoring.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
2 active director(s) / partner(s); review board churn before relying on management continuity.
1 active GST registration(s) indicate ongoing business operations.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a dominant controlling stake as per the FY 2022 annual return.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Getit Communications Private Limited U72200KA2015FTC082989 Bangalore North, Karnataka, India
Aadya Informatics Private Limited U72200TG2010PTC068792 Hyderabad, Telangana, India
Udyog Software U72200MH2000PLC126596 Mumbai, Maharashtra, India
Gledo Advertising Agency Private Limited U74300MH2000PTC125528 Mumbai, Maharashtra, India
Redblink Private Limited U72200HR2012PTC045554 Panchkula, Haryana, India
Sencillatec Solutions Private Limited U74900KA2014PTC077164 Bangalore North, Karnataka, India
Zappier Software Technologies Private Limited U72200KL2013PTC034410 Kannur, Kerala, India
Si-Hive Technologies Private Limited U74999KA2020PTC137460 Bangalore South, Karnataka, India
12

Who Uses This Report

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

Verify Bimapay 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 Bimapay: 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 50/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Positive growth indicators. Growth score 70/100, margin trends, ownership structure and peer set for Bimapay - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 80/100, distress signals and MSME payment-delay disclosures - know whether Bimapay 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 Bimapay - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Bimapay an active company?

Bimapay has MCA status “Active” with a compliance score of 100/100 (Low Risk).

Is Bimapay financially healthy?

Bimapay has a Financial Health Score of 70/100 (Moderate) based on its filed financial statements.

Should I do business with Bimapay?

Its overall Trust Score is 80/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Bimapay?

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

Does Bimapay have loans or charges against its assets?

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

Is Bimapay 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 Bimapay?

Its Credit Risk Score is 50/100 (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.