Promoter holding
64.27%
CC
Chandys Carmel Chits Pvt Ltd - Due diligence report
A 360° intelligence report on Chandys Carmel Chits Pvt Ltd: trust score, financial health, credit view, compliance, directors, growth and di…
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Chandys Carmel Chits Pvt Ltd — 360° Intelligence Report
Generated from MCA filings & public records70/100
Trust Score
Moderate
Chandys Carmel Chits Pvt Ltd is assessed as Moderate with a Trust Score of 70/100. Chandys Carmel Chits Pvt Ltd is an active private limited indian non-government company incorporated in 1994, 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 low compliance risk and high financial risk profile.
Report generated on 13 Aug 2026 from the latest processed filings. Chandys Carmel Chits Pvt Ltd 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 ScoreModerate
70/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
93/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
15/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
40/100
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
70/100
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: 40/100 Caution Indicated
- Negative operating earnings - debt service depends on external support.
Charges position: 5 open (8.14 cr) · 0 satisfied (-).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| State Bank Of India | 1 | 48.0 cr |
| The South Indian Bank Ltd. | 2 | 48.0 cr |
| Union Bank Of India | 1 | 48.0 cr |
| Lakshmi Vilas Bank Limited | 1 | 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).
Legal cases on record (1)
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Director Intelligence
Stability score: 95/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| MARIA JOHNY | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SAUMY JOSSIE | 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.
06
Ownership & Group Intelligence
As per FY 2019 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) · 1 transfer(s)
Promoters hold a majority stake - exact percentages are part of the full report.
Key managerial personnel: MARIA JOHNY (Managing Director)
Full shareholding pattern, group structure & capital events →
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Risk Intelligence Center
Growth 40 · Distress 70
Growth signals & trust indicators
Operating for 31+ years.
Distress signals & risk flags
Negative net worth.
5 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 diligence79/100
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 assessment46/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 5 open charge(s) of 8.14 cr already registered.
- Compliance record supports lending.
Investor view39/100
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 events30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
18 Apr 2019
Director ceased
CHAKKOCHAN BINNIE
Director ceased
JOSSIECHANDY
Director ceased
MECHERY DAVIES LINNET
Director ceased
CHACKOCHAN CHANDY
Director ceased
CHANDY CHACKO SUNNY
31 Mar 2017
Share transfer (FY 2017)
395.00000000 shares
15 Feb 2010
Charge created
Lakshmi Vilas Bank Limited - 15.00 Lakh
28 Jun 2004
Charge created
The South Indian Bank Ltd. - 3.81 Lakh
17 May 2004
Charge created
The South Indian Bank Ltd. - 25.00 Lakh
12 Oct 2000
Charge created
Union Bank Of India - 20.00 Lakh
30 Sep 1999
Director appointed
SAUMY JOSSIE (Director)
23 Jun 1997
Charge created
State Bank Of India - 7.50 cr
16 Jun 1997
Director appointed
MARIA JOHNY (Managing Director)
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Key Observations
Auto-generated from the data aboveRevenue declined 38% over the last 4 financial year(s).
Compliance record is strong - status, filings and flags are clean.
2 active director(s) / partner(s); board looks stable and experienced.
Promoters hold a majority stake as per the FY 2019 annual return.
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| Rasraj Suppliers Private Limited | U51909WB2009PTC134292 | Kolkata, West Bengal, India |
| Uic Finance Pvt Ltd | U65993WB1995PTC075046 | Kolkata, West Bengal, India |
| Master Plantations Private Limited | U74899DL1992PTC049740 | Delhi, Delhi, India |
| Managewell Consultants Private Limited | U74120WB2007PTC118317 | Kolkata, West Bengal, India |
| Indo-Gulf Financials Private Limited | U65990MH1991PTC063231 | Mumbai, Maharashtra, India |
| Ratanmani Vanijya Private Limited | U51909WB2008PTC128848 | Kolkata, West Bengal, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Chandys Carmel Chits Pvt Ltd 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 Chandys Carmel Chits Pvt Ltd: 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 40/100, 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 Chandys Carmel Chits Pvt Ltd - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Favourable indicators. Trust score 70/100, distress signals and MSME payment-delay disclosures - know whether Chandys Carmel Chits Pvt Ltd 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 Chandys Carmel Chits Pvt Ltd - groundwork for KYC, onboarding and disputes.
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Frequently Asked Questions
Is Chandys Carmel Chits Pvt Ltd an active company?
Chandys Carmel Chits Pvt Ltd has MCA status “Active” with a compliance score of 93/100 (Low Risk).
Is Chandys Carmel Chits Pvt Ltd financially healthy?
Chandys Carmel Chits Pvt Ltd has a Financial Health Score of 15/100 (Caution Indicated) based on its filed financial statements.
Should I do business with Chandys Carmel Chits Pvt Ltd?
Its overall Trust Score is 70/100 (Moderate). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Chandys Carmel Chits Pvt Ltd?
Promoters hold a majority stake - exact percentages are in the full report. 2 active director(s) are on record.
Does Chandys Carmel Chits Pvt Ltd have loans or charges against its assets?
5 open charge(s) are registered against its assets.
Is Chandys Carmel Chits Pvt Ltd 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 Chandys Carmel Chits Pvt Ltd?
Its Credit Risk Score is 40/100 (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.
