Promoter holding
64.27%
CE
Choice Estates And Constructions Private Limited - Due diligence report
A 360° intelligence report on Choice Group (India): trust score, financial health, credit view, compliance, directors, growth and distress s…
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Choice Group (India) — 360° Intelligence Report
Generated from MCA filings & public records85/100
Trust Score
Low Risk
Choice Group (India) is assessed as Low Risk with a Trust Score of 85/100. Choice Group (India) is an active private limited indian non-government company incorporated in 1993, operating in the Business Services sector. 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 17 Jul 2026 from the latest processed filings. Choice Estates And Constructions Private Limited 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.
02
Score Card
Higher is safer · rule-based & explainableTrust ScoreLow Risk
85/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
73/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
80/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
35/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
75/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
90/100
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: 35/100 Caution Indicated
- Liabilities ≈ 38% EBITDA - stretched.
- Open charges exceed net worth - secured lenders rank ahead.
- Elevated gearing (D/E 1.42).
- Working-capital cover adequate.
- Profitable - internal accruals available.
Charges position: 6 open (78.68 cr) · 13 satisfied (92.68 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Others | 14 | 48.0 cr |
| Axis Bank Limited | 4 | 48.0 cr |
| The Federal Bank Ltd | 1 | 48.0 cr |
Compliance Score: 73/100 Moderate
- Company status is Active as per MCA.
- Balance sheet slightly behind (Mar 2024).
- Litigation present in 1 court forum(s).
- Delayed payments to MSME suppliers disclosed (6 disclosure(s)).
- 1 active GST registration(s).
Legal cases on record (1)
05
Director Intelligence
Stability score: 95/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| ELIZABETH JOSE | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| KARTHICK | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| JOSE THOMAS | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| JOAN MARY LAFRENAIS | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| THOMAS JOSE | 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 2018)
| Name | Designation | Total remuneration |
|---|---|---|
| A K Sharma | Managing Director | 2.4 cr |
| R Mehta | Whole-time Director | 1.6 cr |
| S Iyer | CFO | 95.0 L |
Remuneration is disclosed in the latest annual return. Unlock full report
06
Ownership & Group Intelligence
As per FY 2023 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
-
Promoters hold the largest single block of equity - exact percentages are part of the full report.
Key managerial personnel: JOSE THOMAS (Managing Director)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 75 · Distress 90
Growth signals & trust indicators
Latest year revenue grew 2.1x.
Profit expanded 24% year-on-year.
Net margin improved to 0.86.
Operating for 33+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
6 open charge(s) registered - assets are encumbered.
MSME payment delays disclosed - latest outstanding 5.72 Lakh.
1 court case(s) on record - see the legal section for details.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence82/100
Favourable indicators
Suitability as a supplier / customer counterparty.
- Statutory record is clean.
- No distress signals on file.
- Financial filings available for verification.
Banker assessment58/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 6 open charge(s) of 78.68 cr already registered.
- Compliance record supports lending.
Investor view79/100
Positive growth indicators
Growth quality and scalability through an investor lens.
- 3 growth signal(s) detected.
- Margin and return trends computable from filings.
- Management team looks stable.
09
MCA Filings & Events Timeline
Latest 15 events30 Sep 2024
Last AGM held
Annual general meeting
02 Sep 2024
Charge created
Axis Bank Limited - 20.00 cr
31 Mar 2024
Latest balance sheet
Filed with ROC
18 Oct 2023
Charge satisfied
Others
08 May 2023
Charge satisfied
Others
29 Jul 2022
Charge created
Axis Bank Limited - 72.16 Lakh
29 Apr 2022
Charge satisfied
Others
17 Nov 2021
Charge created
Others - 1.90 cr
30 Sep 2021
Director ceased
KARTHICK
01 Jul 2021
Director appointed
KARTHICK (Director)
30 Jun 2021
Director ceased
DIXY MENDEZ
04 Feb 2021
Charge satisfied
Others
13 Jan 2021
Charge created
Others - 4.80 cr
27 Nov 2020
Charge created
Others - 74.70 Lakh
24 Dec 2019
Charge created
Axis Bank Limited - 55.54 cr
10
Key Observations
Auto-generated from the data aboveRevenue grew 61% over the last 4 financial year(s).
Net profit margin moved from 38% to 1.42.
Debt-to-equity stands at 2.1x - leverage worth monitoring.
Net worth is positive.
5 active director(s) / partner(s); board looks stable and experienced.
1 active GST registration(s) indicate ongoing business operations.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold the largest single block of equity as per the FY 2023 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
| Company | CIN | Location |
|---|---|---|
| Fortune Investment Consultants Private Limited | U65990WB2009PTC140099 | Kolkata, West Bengal, India |
| Achievers Builders Private Limited | U36911HR1999PTC034186 | Faridabad, Haryana, India |
| Shree Durga Agencies Ltd | U67120WB1973PLC029108 | Kolkata, West Bengal, India |
| T S Construction Engineers Private Limited | U45400JK2012PTC003480 | Srinagar, Jammu & Kashmir, India |
| Transcendent Condominiums Private Limited | U70101AS2003PTC007102 | Gmc, Assam, India |
| Scl Property Holdings Limited | U45201TN1999PLC043396 | Chennai, Tamil Nadu, India |
| Anutesh Estates Private Limited | U70101DL2004PTC131218 | New Delhi, Delhi, India |
| Kalavakuru Estates Private Limited | U70102TN2006FLC061046 | Chennai, Tamil Nadu, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Choice Group (India) before audits and certifications: compliance score 73/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Choice Group (India): 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 35/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Positive growth indicators. Growth score 75/100, margin trends, ownership structure and peer set for Choice Group (India) - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Favourable indicators. Trust score 85/100, distress signals and MSME payment-delay disclosures - know whether Choice Group (India) 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 Choice Group (India) - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Choice Group (India) an active company?
Choice Group (India) has MCA status “Active” with a compliance score of 73/100 (Moderate).
Is Choice Group (India) financially healthy?
Choice Group (India) has a Financial Health Score of 80/100 (Low Risk) based on its filed financial statements.
Should I do business with Choice Group (India)?
Its overall Trust Score is 85/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Choice Group (India)?
Promoters hold the largest single block of equity - exact percentages are in the full report. 5 active director(s) are on record.
Does Choice Group (India) have loans or charges against its assets?
6 open charge(s) are registered against its assets, and 13 earlier charge(s) stand satisfied.
Is Choice Group (India) up to date with its ROC filings?
Balance sheet slightly behind (Mar 2024). Overall compliance score: 73/100 (Moderate).
Is it risky to lend to Choice Group (India)?
Its Credit Risk Score is 35/100 (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.
