Celestium Financial Limited - Due diligence report

A 360° intelligence report on Celestium Financial Limited: trust score, financial health, credit view, compliance, directors, growth and dis…

1995-03-13 Chennai City Corporation, Tamil Nadu Active Unlisted Active Compliant
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Celestium Financial Limited — 360° Intelligence Report

Generated from MCA filings & public records
84/100
Trust Score
Low Risk

Celestium Financial Limited is assessed as Low Risk with a Trust Score of 84/100. Celestium Financial Limited is an active public limited indian non-government company incorporated in 1995, operating in the Financial Services sector. The company has shown revenue growth across its recent filed years. It was profitable in its latest filed year. Based on MCA filings and public records, it currently shows a moderate compliance risk and low financial risk profile.

Report generated on 08 Aug 2026 from the latest processed filings. Celestium Financial 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
84/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
70/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
90/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreLow Risk
75/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
95/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
80/100
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: 75/100 Low Risk
  • No open charges - unencumbered balance sheet.
  • Working-capital cover adequate.
  • Profitable - internal accruals available.

Charges position: 0 open (-) · 0 satisfied (-).

Compliance Score: 70/100 Moderate
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • Flagged by authority: FIU.
  • 2 active GST registration(s).
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
RADHAKRISHANCHUNILAL BHATIA 01234567 Director 01/04/2018 6 yrs Approved
SUSHIL RADHAKRISHNAN BHATIA 01234567 Director 01/04/2018 6 yrs Approved
VARSHA SUSHIL BATHIA 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 2022)
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
Shresthi Holdings Private Limited
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.

Group entityRelationship% held
Shresthi Holdings Private Limited Holding Company 74.00%

Key managerial personnel: SUSHIL RADHAKRISHNAN BHATIA (Managing Director) · VARSHA SUSHIL BATHIA (Whole-time director)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 95 · Distress 80
Growth signals & trust indicators
Revenue acceleration: +38% over 4 year(s).
Latest year revenue grew 1.42.
Profit expanded 2.1x year-on-year.
Asset base grew 24% - capacity expansion.
Net margin improved to 0.86.
Operating for 31+ years.
Active GST registration(s).
Distress signals & risk flags
Outside liabilities up 61% in a year.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence77/100
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 assessment78/100
Favourable lending indicators
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 view90/100
Positive growth indicators
Growth quality and scalability through an investor lens.
  • 5 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 15 events
25 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
31 Mar 2020
Share transfer (FY 2020)
235500.00000000 shares to Manoj R Bhatia
Share transfer (FY 2020)
59900.00000000 shares to Sushil R Bhatia
27 Sep 2019
Director ceased
RADHAKRISHANCHUNILAL BHATIA
Director ceased
SUSHIL RADHAKRISHNAN BHATIA
31 Jul 2019
Director appointed
RADHAKRISHANCHUNILAL BHATIA (Director)
Director ceased
PARASMAL JAIN VIRENDRAMAL JAIN
17 Sep 2018
Director ceased
VARSHA SUSHIL BATHIA
20 Feb 2018
Director appointed
SUSHIL RADHAKRISHNAN BHATIA (Managing Director)
Director appointed
VARSHA SUSHIL BATHIA (Whole-time director)
Director ceased
SHANTHA VIRENDRAMAL JAIN
Director ceased
DHARAMI MAHAVEER
Director ceased
ASHOK LAKPATRAJ MEHTA
Director ceased
VIRENDRAMAL ASHISH JAIN
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.
3 active director(s) / partner(s); board looks stable and experienced.
2 active GST registration(s) indicate ongoing business operations.
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.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Ci Capital Private Limited U65990MP1996PTC011364 Bhopal, Madhya Pradesh, India
Dpa Finance Private Limited U45202DL1996PTC079597 Delhi, Delhi, India
Greenwings Innovative Finance Private Limited U65999RJ2018PTC061523 Jaipur, Rajasthan, India
Krchoksey Financial Services Private Limited U52390MH2010PTC199201 Mumbai, Maharashtra, India
Greatwhite Hardware Private Limited U36900MH1969PTC014439 Mumbai, Maharashtra, India
Anupam Finserv L74140MH1991PLC061715 Mumbai, Maharashtra, India
Navin Bros. Private Limited U64990WB1984PTC038332 Kolkata, West Bengal, India
Cashtree Finance Private Limited U65999DL1995PTC069123 New Delhi, Delhi, India
12

Who Uses This Report

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

Verify Celestium Financial Limited before audits and certifications: compliance score 70/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Celestium Financial 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: Favourable lending indicators. Credit risk score 75/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Positive growth indicators. Growth score 95/100, margin trends, ownership structure and peer set for Celestium Financial Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 84/100, distress signals and MSME payment-delay disclosures - know whether Celestium Financial 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 Celestium Financial Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Celestium Financial Limited an active company?

Celestium Financial Limited has MCA status “Active” with a compliance score of 70/100 (Moderate).

Is Celestium Financial Limited financially healthy?

Celestium Financial Limited has a Financial Health Score of 90/100 (Low Risk) based on its filed financial statements.

Should I do business with Celestium Financial Limited?

Its overall Trust Score is 84/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Celestium Financial Limited?

The ultimate holding entity is Shresthi Holdings Private Limited. 3 active director(s) are on record.

Does Celestium Financial Limited have loans or charges against its assets?

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

Is Celestium Financial Limited up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 70/100 (Moderate).

Is it risky to lend to Celestium Financial Limited?

Its Credit Risk Score is 75/100 (Low Risk). Banker verdict: Favourable lending indicators.

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.