Cfl Nidhi Limited - Due diligence report

A 360° intelligence report on Cfl Nidhi Limited: trust score, financial health, credit view, compliance, directors, growth and distress sign…

2016-02-19 Kothamangalam, Kerala Active Unlisted Active Compliant
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Cfl Nidhi Limited — 360° Intelligence Report

Generated from MCA filings & public records
87/100
Trust Score
Low Risk

Cfl Nidhi Limited is assessed as Low Risk with a Trust Score of 87/100. Cfl Nidhi Limited is an active nidhi limited company incorporated in 2016, operating in the Financial Services 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 low financial risk profile.

Report generated on 16 Aug 2026 from the latest processed filings. Cfl Nidhi 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
87/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
93/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
80/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreLow Risk
85/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
55/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
75/100
Early-warning signals - higher means fewer warnings.
03

Financial Intelligence Dashboard

Standalone · 4 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: 85/100 Low Risk
  • No open charges - unencumbered balance sheet.
  • Moderate gearing (D/E 38%).
  • Working-capital cover adequate.
  • Profitable - internal accruals available.

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

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).
Legal cases on record (1)
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
SHAJAN KURIAKOSE 01234567 Director 01/04/2018 6 yrs Approved
BINU ANACHIRA KURUVILLA 01234567 Director 01/04/2018 6 yrs Approved
PAULOSEKUTTY JACOB 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.
06

Ownership & Group Intelligence

As per FY 2020 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
2 allotment(s) · 0 transfer(s)

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

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 55 · Distress 75
Growth signals & trust indicators
Profit expanded 1.42 year-on-year.
Net margin improved to 2.1x.
Operating for 10+ years.
Distress signals & risk flags
Revenue declined year-on-year.
1 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence86/100
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 assessment86/100
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 view72/100
Positive growth indicators
Growth quality and scalability through an investor lens.
  • 2 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 8 events
24 Sep 2025
Director appointed
SHAJAN KURIAKOSE (Director)
Director appointed
BINU ANACHIRA KURUVILLA (Director)
Director appointed
PAULOSEKUTTY JACOB (Director)
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
04 Jun 2021
Securities allotted
143 Equity Shares Without Differential Rights - 1,430.00 raised
02 Jan 2018
Securities allotted
10156 Equity Shares Without Differential Rights - 1.02 Lakh raised
19 Feb 2016
Incorporated
Registered with Roc Ernakulam
10

Key Observations

Auto-generated from the data above
Revenue declined 24% over the last 3 financial year(s).
Net profit margin moved from 0.86 to 61%.
Debt-to-equity stands at 38% - manageable leverage.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
3 active director(s) / partner(s); board looks stable and experienced.
Promoters hold a dominant controlling stake as per the FY 2020 annual return.
Capital has been raised through 2 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Sarjak Finstock Limited U65910GJ1995PLC027659 Ahmedabad, Gujarat, India
Segan Consultancy Services Private Limited U93090MH2017PTC291372 Navi Mumbai, Maharashtra, India
Fairgrowth Exim Limited U85110KA1991PLC012326 Bangalore, Karnataka, India
Say Financial Solutions Private Limited U74140KA2011PTC061051 Bijapur, Karnataka, India
Off Shore Securities Private Limited U74920KA1995PTC017288 Bangalore., Karnataka, India
Arthvedh Solutions Private Limited U74900PN2015PTC153914 Pune, Maharashtra, India
Ekadanta Impex Private Limited U51109MH2009PTC195816 Mumbai, Maharashtra, India
A.Y Finvest Private Limited U71290DL1997PTC085154 New Delhi, Delhi, India
12

Who Uses This Report

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

Verify Cfl Nidhi 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 Cfl Nidhi 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 85/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Positive growth indicators. Growth score 55/100, margin trends, ownership structure and peer set for Cfl Nidhi Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 87/100, distress signals and MSME payment-delay disclosures - know whether Cfl Nidhi 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 Cfl Nidhi Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Cfl Nidhi Limited an active company?

Cfl Nidhi Limited has MCA status “Active” with a compliance score of 93/100 (Low Risk).

Is Cfl Nidhi Limited financially healthy?

Cfl Nidhi Limited has a Financial Health Score of 80/100 (Low Risk) based on its filed financial statements.

Should I do business with Cfl Nidhi Limited?

Its overall Trust Score is 87/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Cfl Nidhi Limited?

Promoters hold a dominant controlling stake - exact percentages are in the full report. 3 active director(s) are on record.

Does Cfl Nidhi Limited have loans or charges against its assets?

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

Is Cfl Nidhi 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 Cfl Nidhi Limited?

Its Credit Risk Score is 85/100 (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.