Promoter holding
64.27%
CF
Capital Finserve Limited - Due diligence report
A 360° intelligence report on Capital Finserve Limited: trust score, financial health, credit view, compliance, directors, growth and distre…
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Capital Finserve Limited — 360° Intelligence Report
Generated from MCA filings & public records56/100
Trust Score
Moderate
Capital Finserve Limited is assessed as Moderate with a Trust Score of 56/100. Capital Finserve Limited is an active public limited indian non-government company incorporated in 1994, 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 high compliance risk and moderate financial risk profile.
Report generated on 23 Jun 2026 from the latest processed filings. Capital Finserve Limited snapshot & full profile →
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 & explainableTrust ScoreModerate
56/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
46/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
50/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
30/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreCaution Indicated
35/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
80/100
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.
Get full accessScores 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: 30/100 Caution Indicated
- Liabilities ≈ 38% EBITDA - stretched.
- Open charges exceed net worth - secured lenders rank ahead.
Charges position: 15 open (74.76 cr) · 10 satisfied (45.21 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Others | 23 | 48.0 cr |
| Deepa Varghese | 1 | 48.0 cr |
| Hdfc Bank Limited | 1 | 48.0 cr |
Compliance Score: 46/100 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).
- 1 auditor resignation(s) filed - latest: Biju George & Co. on 2017-05-22.
- 2 active GST registration(s).
Legal cases on record (2)
05
Director Intelligence
Stability score: 35/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| CHARAKUNNATH VARKEY MATHAI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| BASIL ABRAHAM | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| THOMAS GEORGE | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| BABU ALIAS | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| KEMTHOSE PATHICKAL PAUL | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SHIBU KURIAKOSE | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| RAJU JACOB | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SHAJAN KURIAKOSE | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| PONTHEKKAN ANTONY RAPHY | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| BINU ANACHIRA KURUVILLA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SUNITHA SHAJAN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| KALOOKARAN OUSEPH THOBI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| PAULOSEKUTTY JACOB | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| MUTTAVENCHERY MATHAI JOSEPH | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| PADIYATHPUTHENKATTIL MOHAMMED ALI NOWSHAD | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SAJI KOCHUKUDIYIL MATHEW | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| THOMBRAYIL UTHUP KURUVILLA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SUNIL JAIHIND SALUNKHE | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| VINAYAN GOPINATHAN NAIR | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 19 directors on the board.
- THOMAS GEORGE has DIN status "Disqualified by RoC u/s 164(2)".
- 5 director exits in 3 years - high churn.
- Average tenure above 5 years.
Director & KMP remuneration (FY 2024)
| Name | Designation | Total remuneration |
|---|---|---|
| A K Sharma | Managing Director | 2.4 cr |
| R Mehta | Whole-time Director | 1.6 cr |
| S Iyer | CFO | 95.0 L |
Remuneration is disclosed in the latest annual return. Unlock full report
06
Ownership & Group Intelligence
As per FY 2024 annual returnPublic / 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
26 allotment(s) · 3 transfer(s)
Promoters hold the largest single block of equity - exact percentages are part of the full report.
Key managerial personnel: BABU ALIAS (Managing Director)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 80 · Distress 65
Growth signals & trust indicators
Steady revenue growth: +1.42 over 4 year(s).
Latest year revenue grew 2.1x.
Asset base grew 24% - capacity expansion.
EPFO headcount growing - hiring signal.
Operating for 31+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Losses deepening year-on-year.
4 director exits within 2 years.
Compliance score is weak (46/100).
15 open charge(s) registered - assets are encumbered.
1 auditor resignation(s) on record - review the stated reasons.
2 court case(s) on record - see the legal section for details.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence55/100
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 assessment40/100
Enhanced diligence advised
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 15 open charge(s) of 74.76 cr already registered.
- Compliance gaps should be priced into terms.
Investor view64/100
Mixed indicators
Growth quality and scalability through an investor lens.
- 4 growth signal(s) detected.
- Margin and return trends computable from filings.
- Management churn warrants questions.
09
MCA Filings & Events Timeline
Latest 15 events07 Dec 2025
Charge satisfied
Others
28 Nov 2025
Director appointed
PADIYATHPUTHENKATTIL MOHAMMED ALI NOWSHAD (Director)
24 Sep 2025
Director appointed
CHARAKUNNATH VARKEY MATHAI (Director)
Director appointed
KEMTHOSE PATHICKAL PAUL (Director)
Last AGM held
Annual general meeting
23 Sep 2025
Director ceased
THOMAS GEORGE
18 Sep 2025
Charge created
Others - 5.00 cr
26 Jun 2025
Director ceased
SABU CHERIYAN
12 Jun 2025
Charge created
Others - 4.50 cr
31 Mar 2025
Latest balance sheet
Filed with ROC
19 Mar 2025
Charge created
Hdfc Bank Limited - 28.71 Lakh
15 Mar 2025
Charge created
Others - 13.00 cr
05 Nov 2024
Director appointed
THOMAS GEORGE (Director)
28 Sep 2024
Director appointed
SUNITHA SHAJAN (Director)
Director appointed
SUNIL JAIHIND SALUNKHE (Director)
10
Key Observations
Auto-generated from the data aboveRevenue grew 0.86 over the last 4 financial year(s).
Net profit margin moved from 61% to 38%.
Debt-to-equity stands at 1.42 - leverage worth monitoring.
Net worth is positive.
19 active director(s) / partner(s); review board churn before relying on management continuity.
2 active GST registration(s) indicate ongoing business operations.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold the largest single block of equity as per the FY 2024 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 26 security allotment(s) - amounts available in the full report.
| Company | CIN | Location |
|---|---|---|
| Prayaan Capital | U65900TN2018PTC126232 | Chennai, Tamil Nadu, India |
| Vishawas Finvest Private Limited | U65929RJ2017PTC058122 | Jaipur, Rajasthan, India |
| G.G. Photo Limited | U33209MH1995PLC178806 | Mumbai, Maharashtra, India |
| Clime Finance | U65999DL2020PTC373725 | South Delhi, Delhi, India |
| Iarc | U74999DL2002PTC117357 | New Delhi, Delhi, India |
| Bampsl Securities Limited | L65100DL1995PLC065028 | New Delhi, Delhi, India |
| Naukri | U74140DL2015PLC277487 | Delhi, Delhi, India |
| Smc Credits Limited. | L65910DL1992PLC049566 | New Delhi, Delhi, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Capital Finserve Limited before audits and certifications: compliance score 46/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Capital Finserve 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: Enhanced diligence advised. Credit risk score 30/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Mixed indicators. Growth score 80/100, margin trends, ownership structure and peer set for Capital Finserve Limited - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Review suggested. Trust score 56/100, distress signals and MSME payment-delay disclosures - know whether Capital Finserve Limited 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 Capital Finserve Limited - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Capital Finserve Limited an active company?
Capital Finserve Limited has MCA status “Active” with a compliance score of 46/100 (Caution Indicated).
Is Capital Finserve Limited financially healthy?
Capital Finserve Limited has a Financial Health Score of 50/100 (Moderate) based on its filed financial statements.
Should I do business with Capital Finserve Limited?
Its overall Trust Score is 56/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Capital Finserve Limited?
Promoters hold the largest single block of equity - exact percentages are in the full report. 19 active director(s) are on record.
Does Capital Finserve Limited have loans or charges against its assets?
15 open charge(s) are registered against its assets, and 10 earlier charge(s) stand satisfied.
Is Capital Finserve Limited up to date with its ROC filings?
Annual filings current (balance sheet Mar 2025). Overall compliance score: 46/100 (Caution Indicated).
Is it risky to lend to Capital Finserve Limited?
Its Credit Risk Score is 30/100 (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.
