Blue Jay Finlease Private Limited - Due diligence report

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

1996-11-06 Delhi, Delhi Active Unlisted Active Compliant
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BJ Blue Jay Finlease Private Limited
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Ziploan — 360° Intelligence Report

Generated from MCA filings & public records
58/100
Trust Score
Moderate

Ziploan is assessed as Moderate with a Trust Score of 58/100. Ziploan is an active private limited indian non-government company incorporated in 1996, operating in the Financial Services sector. Reported revenue has declined 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 high compliance risk and high financial risk profile.

Report generated on 20 Aug 2026 from the latest processed filings. Blue Jay Finlease Private Limited snapshot & full profile →

Financial Health › Caution
Overall Assessment CautionWeakNeutralGoodStrong Good
Compliance › Weak

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
58/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
38/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
25/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
35/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreCaution Indicated
40/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
75/100
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: 35/100 Caution Indicated
  • Negative operating earnings - debt service depends on external support.
  • Elevated gearing (D/E 38%).
  • Externally credit-rated (BBB+).

Charges position: 4 open (3.00 cr) · 58 satisfied (304.50 cr).

Banking relationships (from registered charges)
LenderChargesAmount
Others61 48.0 cr
Sidbi1 48.0 cr
Compliance Score: 38/100 Caution Indicated
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • Flagged by authority: FIU.
  • Litigation present in 2 court forum(s).
  • 4 auditor resignation(s) filed - latest: S.R. Dinodia & Co. LLP on 2023-02-10.
  • Delayed payments to MSME suppliers disclosed (16 disclosure(s)).
  • 6 active GST registration(s).
Legal cases on record (2)
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
KSHITIJ PURI 01234567 Director 01/04/2018 6 yrs Approved
SARBVIR SINGH 01234567 Director 01/04/2018 6 yrs Approved
KSHITIJ PURI 01234567 Director 01/04/2018 6 yrs Approved
  • 3 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 2023)
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
10 allotment(s) · 0 transfer(s)

Promoters hold the largest single block of equity - exact percentages are part of the full report.

Key managerial personnel: KSHITIJ PURI (CEO) · KSHITIJ PURI (CEO)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 40 · Distress 75
Growth signals & trust indicators
Operating for 29+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
Compliance score is weak (38/100).
4 open charge(s) registered - assets are encumbered.
4 auditor resignation(s) on record - review the stated reasons.
MSME payment delays disclosed - latest outstanding 3.56 Lakh.
2 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence55/100
Review suggested
Suitability as a supplier / customer counterparty.
  • Check the compliance flags before onboarding.
  • 1 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment33/100
Enhanced diligence advised
Indicative lending comfort for banks, NBFCs and trade credit.
  • Debt capacity assessed from filed statements.
  • 4 open charge(s) of 3.00 cr already registered.
  • Compliance gaps should be priced into terms.
Investor view39/100
Limited indicators at present
Growth quality and scalability through an investor lens.
  • No clear growth signals in the filed years.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 15 events
20 Dec 2025
Charge satisfied
Others
30 Sep 2025
Last AGM held
Annual general meeting
14 May 2025
Charge satisfied
Others
31 Mar 2025
Latest balance sheet
Filed with ROC
06 Mar 2024
Charge satisfied
Others
02 Nov 2023
Charge satisfied
Others
09 Oct 2023
Charge satisfied
Others
25 Jul 2023
Charge created
Others - 2.00 cr
Charge satisfied
Others
14 Jul 2023
Charge satisfied
Others
09 Jun 2023
Charge satisfied
Others
02 May 2023
Charge satisfied
Others
17 Apr 2023
Charge created
Others - 25.00 Lakh
29 Mar 2023
Charge created
Others - 25.00 Lakh
14 Mar 2023
Charge satisfied
Others
10

Key Observations

Auto-generated from the data above
Revenue declined 1.42 over the last 4 financial year(s).
Net profit margin moved from 2.1x to 24%.
Debt-to-equity stands at 0.86 - leverage worth monitoring.
Net worth is positive.
3 active director(s) / partner(s); board looks stable and experienced.
6 active GST registration(s) indicate ongoing business operations.
Carries an external credit rating of BBB+ from Brickwork.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold the largest single block of equity 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 10 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Dhunseri Investments L15491WB1997PLC082808 Kolkata, West Bengal, India
Siddhartha Multi Ventures Private Limited U51909HR2005PTC066941 Gurgaon, Haryana, India
Narottamka Commodities Pvt Ltd U65921WB1996PTC079504 Howrah, West Bengal, India
Mi Group Private Limited U74999DL2016PTC298726 Delhi, Delhi, India
Crown Brass Private Limited U74899DL1995PTC067380 New Delhi, Delhi, India
Nihon Impex Pvt Ltd U51109UP1992PTC147101 Gorakhpur, Uttar Pradesh, India
Famous Developers Private Limited U45200MH2007PTC168728 Mumbai, Maharashtra, India
Daulat Financial Services Pvt Ltd U24139WB1988PTC044607 Kolkata, West Bengal, India
12

Who Uses This Report

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

Verify Ziploan before audits and certifications: compliance score 38/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Ziploan: 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: Enhanced diligence advised. Credit risk score 35/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Limited indicators at present. Growth score 40/100, margin trends, ownership structure and peer set for Ziploan - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Review suggested. Trust score 58/100, distress signals and MSME payment-delay disclosures - know whether Ziploan pays its suppliers before you extend credit terms.

Lawyers & Compliance Teams

Litigation footprint (2 case(s) on record), regulatory flags, charge documents trail and director networks for Ziploan - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Ziploan an active company?

Ziploan has MCA status “Active” with a compliance score of 38/100 (Caution Indicated).

Is Ziploan financially healthy?

Ziploan has a Financial Health Score of 25/100 (Caution Indicated) based on its filed financial statements.

Should I do business with Ziploan?

Its overall Trust Score is 58/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Ziploan?

Promoters hold the largest single block of equity - exact percentages are in the full report. 3 active director(s) are on record.

Does Ziploan have loans or charges against its assets?

4 open charge(s) are registered against its assets, and 58 earlier charge(s) stand satisfied.

Is Ziploan up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 38/100 (Caution Indicated).

Is it risky to lend to Ziploan?

Its Credit Risk Score is 35/100 (Caution Indicated). Banker verdict: Enhanced diligence advised.

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.