Promoter holding
64.27%
CT
Card Tec (India) Private Limited - Due diligence report
A 360° intelligence report on Card Tec (India) Private Limited: trust score, financial health, credit view, compliance, directors, growth an…
Card Tec (India) Private Limited — 360° Intelligence Report
Generated from MCA filings & public records81/100
Trust Score
Low Risk
Card Tec (India) Private Limited is assessed as Low Risk with a Trust Score of 81/100. Card Tec (India) Private Limited is an active private limited indian non-government company incorporated in 1997, operating in the Manufacturing sector. Reported revenue has declined 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 moderate financial risk profile.
Report generated on 13 Jun 2026 from the latest processed filings. Card Tec (India) Private 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.
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Score Card
Higher is safer · rule-based & explainableTrust ScoreLow Risk
81/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
93/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
60/100
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 ScoreModerate
65/100
Early-warning signals - higher means fewer warnings.
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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: 35/100 Caution Indicated
- Negative operating earnings - debt service depends on external support.
- Open charges exceed net worth - secured lenders rank ahead.
- Elevated gearing (D/E 38%).
- Working-capital cover adequate.
- Profitable - internal accruals available.
Charges position: 1 open (80.00 Lakh) · 1 satisfied (4.00 Lakh).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Canara Bank | 2 | 48.0 cr |
Compliance Score: 93/100 Low Risk
- Company status is Active as per MCA.
- Annual filings current (balance sheet Mar 2025).
- Litigation present in 1 court forum(s).
- 1 active GST registration(s).
Legal cases on record (1)
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Director Intelligence
Stability score: 95/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| MANOJ KUMAR AGARWAL | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| DIVYA AGARWAL | 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.
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Ownership & Group Intelligence
As per FY 2021 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
0 allotment(s) · 2 transfer(s)
Promoters hold a dominant controlling stake - exact percentages are part of the full report.
Full shareholding pattern, group structure & capital events →
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Risk Intelligence Center
Growth 40 · Distress 65
Growth signals & trust indicators
Operating for 29+ years.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
Profit declined two years in a row.
1 open charge(s) registered - assets are encumbered.
1 court case(s) on record - see the legal section for details.
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Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence81/100
Favourable indicators
Suitability as a supplier / customer counterparty.
- Statutory record is clean.
- 2 distress signal(s) - see Risk Center.
- Financial filings available for verification.
Banker assessment57/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 1 open charge(s) of 80.00 Lakh already registered.
- Compliance record supports lending.
Investor view57/100
Mixed indicators
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.
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MCA Filings & Events Timeline
Latest 11 events30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
24 Jul 2018
Director appointed
DIVYA AGARWAL (Additional Director)
23 Jul 2018
Director ceased
NISHA AGARWAL
31 Mar 2018
Share transfer (FY 2018)
12000.00000000 shares to MANOJ KUMAR AGARWAL
Share transfer (FY 2018)
20000.00000000 shares to MANOJ KUMAR AGARWAL
19 Feb 2015
Charge satisfied
Canara Bank
28 Oct 2004
Charge created
Canara Bank - 80.00 Lakh
29 Jan 1998
Charge created
Canara Bank - 4.00 Lakh
06 May 1997
Incorporated
Registered with Roc Bangalore
Director appointed
MANOJ KUMAR AGARWAL (Director)
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Key Observations
Auto-generated from the data aboveRevenue 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.
Compliance record is strong - status, filings and flags are clean.
2 active director(s) / partner(s); board looks stable and experienced.
1 active GST registration(s) indicate ongoing business operations.
Promoters hold a dominant controlling stake as per the FY 2021 annual return.
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| Sancast Venture Private Limited | U82300HR2008PTC082463 | Karnal, Haryana, India |
| Chandra Industrial Co Private Limited | U28129UP1999PTC118179 | Ghaziabad, Uttar Pradesh, India |
| Pushparaj Paper And Cone Industries Pvt Ltd | U28129MH1989PTC052436 | Mumbai, Maharashtra, India |
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Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Card Tec (India) Private Limited before audits and certifications: compliance score 93/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Card Tec (India) 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 35/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Mixed indicators. Growth score 40/100, margin trends, ownership structure and peer set for Card Tec (India) Private Limited - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Favourable indicators. Trust score 81/100, distress signals and MSME payment-delay disclosures - know whether Card Tec (India) Private Limited pays its suppliers before you extend credit terms.
Lawyers & Compliance Teams
Litigation footprint (1 case(s) on record), regulatory flags, charge documents trail and director networks for Card Tec (India) Private Limited - groundwork for KYC, onboarding and disputes.
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Frequently Asked Questions
Is Card Tec (India) Private Limited an active company?
Card Tec (India) Private Limited has MCA status “Active” with a compliance score of 93/100 (Low Risk).
Is Card Tec (India) Private Limited financially healthy?
Card Tec (India) Private Limited has a Financial Health Score of 60/100 (Moderate) based on its filed financial statements.
Should I do business with Card Tec (India) Private Limited?
Its overall Trust Score is 81/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Card Tec (India) Private Limited?
Promoters hold a dominant controlling stake - exact percentages are in the full report. 2 active director(s) are on record.
Does Card Tec (India) Private Limited have loans or charges against its assets?
1 open charge(s) are registered against its assets, and 1 earlier charge(s) stand satisfied.
Is Card Tec (India) Private Limited up to date with its ROC filings?
Annual filings current (balance sheet Mar 2025). Overall compliance score: 93/100 (Low Risk).
Is it risky to lend to Card Tec (India) Private Limited?
Its Credit Risk Score is 35/100 (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.
