Centrum Microcredit Limited - Due diligence report

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

2016-08-31 Mumbai, Maharashtra Amalgamated Unlisted Active Compliant
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CM Centrum Microcredit Limited
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Centrum — 360° Intelligence Report

Generated from MCA filings & public records
44/100
Trust Score
Caution Indicated

Centrum is assessed as Caution Indicated with a Trust Score of 44/100. Centrum is a public limited indian non-government company incorporated in 2016, 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 moderate financial risk profile.

Report generated on 08 Jul 2026 from the latest processed filings. Centrum Microcredit Limited snapshot & full profile →

Financial Health › Neutral
Overall Assessment CautionWeakNeutralGoodStrong Weak
Compliance › Caution

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 ScoreCaution Indicated
44/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
5/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
50/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
65/100
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 ScoreCaution Indicated
25/100
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: 65/100 Moderate
  • Negative operating earnings - debt service depends on external support.
  • No open charges - unencumbered balance sheet.
  • Moderate gearing (D/E 38%).
  • Working-capital cover adequate.
  • Externally credit-rated (BBB).

Charges position: 0 open (-) · 110 satisfied (1,222.75 cr).

Banking relationships (from registered charges)
LenderChargesAmount
Others104 48.0 cr
Hdfc Bank Limited1 48.0 cr
Sidbi1 48.0 cr
State Bank Of India1 48.0 cr
Yes Bank Limited2 48.0 cr
Axis Bank Limited1 48.0 cr
Compliance Score: 5/100 Caution Indicated
  • Company status is "Amalgamated" - not Active.
  • Last balance sheet is for Mar 2022 - filings overdue.
  • Flagged by authority: FIU.
  • Litigation present in 1 court forum(s).
  • 2 auditor resignation(s) filed - latest: Haribhakti & CO.LLP on 2021-10-21.
  • Delayed payments to MSME suppliers disclosed (1 disclosure(s)).
Legal cases on record (1)
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
Abhinav Maheshwari 01234567 Director 01/04/2018 6 yrs Approved
DEEPA FALI PONCHA 01234567 Director 01/04/2018 6 yrs Approved
RISHAD KHUSHROOH BYRAMJEE 01234567 Director 01/04/2018 6 yrs Approved
RANJAN GHOSH 01234567 Director 01/04/2018 6 yrs Approved
Mamta Khatri 01234567 Director 01/04/2018 6 yrs Approved
  • 5 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 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
Centrum Capital Limited
Subsidiaries
-
Group entities
-
Capital events
35 allotment(s) · 10 transfer(s)

Promoters hold a dominant controlling stake - exact percentages are part of the full report.

Group entityRelationship% held
Centrum Capital Limited Holding Company 74.00%

Key managerial personnel: Abhinav Maheshwari (CFO)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 40 · Distress 25
Growth signals & trust indicators
Operating for 9 years.
Active EPFO - real payroll on record.
Distress signals & risk flags
Revenue declined year-on-year.
Losses deepening year-on-year.
Statutory filings appear overdue.
Adverse company status: Amalgamated.
Compliance score is weak (5/100).
2 auditor resignation(s) on record - review the stated reasons.
MSME payment delays disclosed - latest outstanding 46,173.00.
1 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence23/100
Caution indicated
Suitability as a supplier / customer counterparty.
  • Check the compliance flags before onboarding.
  • 4 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment46/100
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 gaps should be priced into terms.
Investor view44/100
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
08 Dec 2022
Securities allotted
5000000 Equity Shares - 5.00 cr raised
18 Oct 2022
Director appointed
Abhinav Maheshwari (CFO)
11 Aug 2022
Last AGM held
Annual general meeting
04 May 2022
Charge satisfied
Hdfc Bank Limited
08 Apr 2022
Charge satisfied
Others
05 Apr 2022
Charge satisfied
Others
31 Mar 2022
Charge satisfied
Others
Latest balance sheet
Filed with ROC
30 Mar 2022
Charge satisfied
Sidbi
28 Mar 2022
Charge satisfied
Others
21 Mar 2022
Charge satisfied
Others
25 Feb 2022
Charge satisfied
Others
24 Feb 2022
Charge satisfied
Others
22 Feb 2022
Charge satisfied
Others
21 Feb 2022
Charge satisfied
Others
10

Key Observations

Auto-generated from the data above
Revenue declined 1.42 over the last 4 financial year(s).
Debt-to-equity stands at 2.1x - manageable leverage.
Net worth is positive.
5 active director(s) / partner(s); board looks stable and experienced.
All 110 registered charge(s) stand satisfied - past borrowings repaid.
Carries an external credit rating of BBB from Care.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a dominant controlling stake as per the FY 2022 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 35 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Gck Stock Private Limited U17115RJ1995PTC068409 Jaipur, Rajasthan, India
Shadi Ram Jagan Nath Forex Private Limited U67190PB2004PTC027552 Punjab, Punjab, India
Shri Narayani (Kumbakonam) Nidhi Limited U74999TN2017PLN120244 Kumbakonam, Tamil Nadu, India
Spectrum Stock Services Pvt Ltd U67120WB1994PTC064813 Kolkata, West Bengal, India
Premium Polycot Pvt Ltd U51100GJ1989PTC013105 Ahmedabad, Gujarat, India
Fast Capital Markets Ltd. U51109WB1994PLC063844 Kolkata, West Bengal, India
Salura Associates Private Limited U67190KL2005PTC018065 Thevara, Kerala, India
Ramgopal Investment And Trading Company Private Limited U64990MH1980PTC022255 Mumbai, Maharashtra, India
12

Who Uses This Report

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

Verify Centrum before audits and certifications: compliance score 5/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Centrum: 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 65/100, 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 Centrum - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Caution indicated. Trust score 44/100, distress signals and MSME payment-delay disclosures - know whether Centrum 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 Centrum - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Centrum an active company?

Centrum has MCA status “Amalgamated” with a compliance score of 5/100 (Caution Indicated).

Is Centrum financially healthy?

Centrum has a Financial Health Score of 50/100 (Moderate) based on its filed financial statements.

Should I do business with Centrum?

Its overall Trust Score is 44/100 (Caution Indicated). Vendor verdict: Caution indicated. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Centrum?

The ultimate holding entity is Centrum Capital Limited. 5 active director(s) are on record.

Does Centrum have loans or charges against its assets?

No open charges - all 110 registered charge(s) stand satisfied, indicating past borrowings were repaid.

Is Centrum up to date with its ROC filings?

Last balance sheet is for Mar 2022 - filings overdue. Overall compliance score: 5/100 (Caution Indicated).

Is it risky to lend to Centrum?

Its Credit Risk Score is 65/100 (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.