Cherish Chit Fund Private Limited - Due diligence report

A 360° intelligence report on Cherish Chit Fund Private Limited: trust score, financial health, credit view, compliance, directors, growth a…

2002-01-28 Ananthapur, Andhra Pradesh Active Unlisted Active Non-Compliant
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Cherish Chit Fund Private Limited — 360° Intelligence Report

Generated from MCA filings & public records
59/100
Trust Score
Moderate

Cherish Chit Fund Private Limited is assessed as Moderate with a Trust Score of 59/100. Cherish Chit Fund Private Limited is an active private limited indian non-government company incorporated in 2002, operating in the Financial Services sector. The company has shown revenue growth 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 moderate compliance risk and high financial risk profile.

Report generated on 06 Jul 2026 from the latest processed filings. Cherish Chit Fund Private Limited snapshot & full profile →

Financial Health › Caution
Overall Assessment CautionWeakNeutralGoodStrong Good
Compliance › Good

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 ScoreModerate
59/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
68/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
25/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
40/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreModerate
55/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
75/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
70/100
Early-warning signals - higher means fewer warnings.
03

Financial Intelligence Dashboard

Standalone · 2 filed year(s)

Unlock the full 5-year financial dashboard with charts and year-wise figures.

Get full access

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: 40/100 Caution Indicated
  • Liabilities ≈ 38% EBITDA - stretched.

Charges position: 1 open (75.00 Lakh) · 0 satisfied (-).

Banking relationships (from registered charges)
LenderChargesAmount
The Karur Vysya Bank Limited1 48.0 cr
Compliance Score: 68/100 Moderate
  • Company status is Active as per MCA.
  • Marked ACTIVE non-compliant (INC-22A).
  • Balance sheet slightly behind (Mar 2024).
05

Director Intelligence

Stability score: 55/100
NameDIN / PANDesignationAppointedTenureDIN status
DEEPA NUTANAPATI 01234567 Director 01/04/2018 6 yrs Approved
CHITHAMBAR NUTANAPATI 01234567 Director 01/04/2018 6 yrs Approved
  • 2 directors on the board.
  • DEEPA NUTANAPATI has DIN status "Disqualified by RoC u/s 164(2)".
  • Stable board - no exits in 3 years.
  • Average tenure above 5 years.
06

Ownership & Group Intelligence

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
-

Key managerial personnel: CHITHAMBAR NUTANAPATI (Managing Director)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 75 · Distress 70
Growth signals & trust indicators
Steady revenue growth: +1.42 over 1 year(s).
Latest year revenue grew 2.1x.
Asset base grew 24% - capacity expansion.
Operating for 24+ years.
Distress signals & risk flags
Negative net worth.
1 open charge(s) registered - assets are encumbered.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence66/100
Review suggested
Suitability as a supplier / customer counterparty.
  • Check the compliance flags before onboarding.
  • 1 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment42/100
Enhanced diligence advised
Indicative lending comfort for banks, NBFCs and trade credit.
  • Debt capacity assessed from filed statements.
  • 1 open charge(s) of 75.00 Lakh already registered.
  • Compliance gaps should be priced into terms.
Investor view54/100
Mixed indicators
Growth quality and scalability through an investor lens.
  • 3 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management churn warrants questions.
09

MCA Filings & Events Timeline

Latest 6 events
27 Sep 2024
Last AGM held
Annual general meeting
31 Mar 2024
Latest balance sheet
Filed with ROC
25 Jun 2013
Charge created
The Karur Vysya Bank Limited - 75.00 Lakh
28 Jan 2002
Incorporated
Registered with Roc Vijayawada
Director appointed
DEEPA NUTANAPATI (Director)
Director appointed
CHITHAMBAR NUTANAPATI (Managing Director)
10

Key Observations

Auto-generated from the data above
Revenue grew 0.86 over the last 1 financial year(s).
Net profit margin moved from 61% to 38%.
2 active director(s) / partner(s); review board churn before relying on management continuity.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Bluelite Holdings Limited U65999KA2017PLC106121 Bengaluru, Karnataka, India
Supertech Housing Finance Limited U65990DL2017PLC313245 New Delhi, Delhi, India
Virutcham Chits Private Limited U65992TZ2016PTC027639 Hosur, Tamil Nadu, India
Nagamangala Chits Private Limited U65992KA1999PTC025211 B.M.Road, Nagamangala, Karnataka, India
Sivakesava Chit Fund Private Limited U65999AP2018PTC107578 Srikakulam, Andhra Pradesh, India
L.N.S. Chits Private Limited U65999KA2017PTC098977 Bangalore, Karnataka, India
Rrv Chits Private Limited U65992KA2016PTC085509 Bengaluru, Karnataka, India
Telangana Minorities Finance Corporation U65923TG2015NPL098747 Hyderabad, Telangana, India
12

Who Uses This Report

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

Verify Cherish Chit Fund Private Limited before audits and certifications: compliance score 68/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Cherish Chit Fund 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: Enhanced diligence advised. Credit risk score 40/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Mixed indicators. Growth score 75/100, margin trends, ownership structure and peer set for Cherish Chit Fund Private Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Review suggested. Trust score 59/100, distress signals and MSME payment-delay disclosures - know whether Cherish Chit Fund Private 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 Cherish Chit Fund Private Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Cherish Chit Fund Private Limited an active company?

Cherish Chit Fund Private Limited has MCA status “Active” with a compliance score of 68/100 (Moderate).

Is Cherish Chit Fund Private Limited financially healthy?

Cherish Chit Fund Private Limited has a Financial Health Score of 25/100 (Caution Indicated) based on its filed financial statements.

Should I do business with Cherish Chit Fund Private Limited?

Its overall Trust Score is 59/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Cherish Chit Fund Private Limited?

See the directors and ownership sections above for board and shareholding detail. 2 active director(s) are on record.

Does Cherish Chit Fund Private Limited have loans or charges against its assets?

1 open charge(s) are registered against its assets.

Is Cherish Chit Fund Private Limited up to date with its ROC filings?

Marked ACTIVE non-compliant (INC-22A). Overall compliance score: 68/100 (Moderate).

Is it risky to lend to Cherish Chit Fund Private Limited?

Its Credit Risk Score is 40/100 (Caution Indicated). Banker verdict: Enhanced diligence advised.

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.