Promoter holding
64.27%
CF
Commitment Finance Ltd - Due diligence report
A 360° intelligence report on Commitment Finance Ltd: trust score, financial health, credit view, compliance, directors, growth and distress…
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Commitment Finance Ltd — 360° Intelligence Report
Generated from MCA filings & public records69/100
Trust Score
Moderate
Commitment Finance Ltd is assessed as Moderate with a Trust Score of 69/100. Commitment Finance Ltd is an active public limited indian non-government company incorporated in 1990, 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 moderate compliance risk and high financial risk profile.
Report generated on 17 Jul 2026 from the latest processed filings. Commitment Finance 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.
02
Score Card
Higher is safer · rule-based & explainableTrust ScoreModerate
69/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
70/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
45/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
55/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
90/100
Board strength, DIN status, churn and network.
Growth ScoreCaution Indicated
40/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
60/100
Early-warning signals - higher means fewer warnings.
03
Financial Intelligence Dashboard
Consolidated · 4 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: 55/100 Moderate
- Negative operating earnings - debt service depends on external support.
- No open charges - unencumbered balance sheet.
- Moderate gearing (D/E 38%).
Charges position: 0 open (-) · 0 satisfied (-).
Compliance Score: 70/100 Moderate
- Company status is Active as per MCA.
- Annual filings current (balance sheet Mar 2025).
- Flagged by authority: FIU, MCA.
- 1 active GST registration(s).
05
Director Intelligence
Stability score: 90/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| TURLAPATI VENKATACHALAPATHI RAO | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SANJAY KHAZANCHI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| MEGHA JAIN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| RAJESH SINGHAL | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SUMIT KUMAR LADIA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 5 directors on the board.
- No disqualified or deactivated DINs.
- 1 director exit(s) in the last 3 years.
- Average tenure above 5 years.
Director & KMP remuneration (FY 2023)
| 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
2
Group entities
2
Capital events
-
Promoters hold a minority stake - exact percentages are part of the full report.
| Group entity | Relationship | % held |
|---|---|---|
| Jay Nikki Industries Limited | Subsidiary Company | 74.00% |
| Janasis Infotech Limited | Subsidiary Company | 74.00% |
Key managerial personnel: TURLAPATI VENKATACHALAPATHI RAO (CFO) · RAJESH SINGHAL (Managing Director)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 40 · Distress 60
Growth signals & trust indicators
Operating for 35+ years.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
Losses deepening year-on-year.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence67/100
Review suggested
Suitability as a supplier / customer counterparty.
- Statutory record is clean.
- 2 distress signal(s) - see Risk Center.
- Financial filings available for verification.
Banker assessment56/100
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 record supports lending.
Investor view49/100
Mixed indicators
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
15 Jul 2025
Director ceased
SUMIT KUMAR LADIA
31 Mar 2025
Latest balance sheet
Filed with ROC
30 Nov 2023
Director appointed
SUMIT KUMAR LADIA (Company Secretary)
03 Oct 2023
Director appointed
TURLAPATI VENKATACHALAPATHI RAO (CFO)
11 Jun 2019
Director ceased
RAJESH SINGHAL
29 Sep 2018
Director ceased
SANJAY KHAZANCHI
07 May 2018
Director appointed
SANJAY KHAZANCHI (Director)
Director ceased
SANJEET KUMAR AGARWAL
10 Oct 2017
Director appointed
RAJESH SINGHAL (Managing Director)
Director ceased
AMIT SHAH
25 Sep 2017
Director ceased
MEGHA JAIN
04 Aug 2017
Director ceased
DHANANJAY SHAH
28 Jun 2017
Director appointed
MEGHA JAIN (Director)
16 Mar 2015
Director ceased
GIRDHARI LAL DADHICH
10
Key Observations
Auto-generated from the data aboveRevenue declined 1.42 over the last 3 financial year(s).
Net profit margin moved from 2.1x to 24%.
Debt-to-equity stands at 0.86 - manageable leverage.
Net worth is positive.
5 active director(s) / partner(s); board looks stable and experienced.
1 active GST registration(s) indicate ongoing business operations.
Operates a group structure with 2 subsidiary(ies) - assess on a consolidated basis.
Promoters hold a minority stake 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 |
|---|---|---|
| Dharam Portfolio Pvt Ltd | U74899WB1994PTC126184 | Kolkata, West Bengal, India |
| Dikshi Leafin Portfolio Private Limited | U65910DL1996PTC077469 | New Delhi, Delhi, India |
| Mrinal Nirman Private Limited | U45400WB2009PTC139115 | Kolkata, West Bengal, India |
| Ruchir Infotech Private Limited | U72100MH2000PTC123759 | Mumbai, Maharashtra, India |
| Tanita Leasing & Finance Limited | U74899DL1994PLC062144 | Delhi, Delhi, India |
| Delvyn Fincorp Private Limited | U51101MH2012PTC235575 | Mumbai, Maharashtra, India |
| Hanudev Investments Private Limited | U65993TN2005PTC057873 | Chennai, Tamil Nadu, India |
| Kingiri Sairaj Chit Fund Private Limited | U65999TG2018PTC127261 | Hyderabad, Telangana, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Commitment Finance Ltd before audits and certifications: compliance score 70/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Commitment Finance 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 55/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Mixed indicators. Growth score 40/100, margin trends, ownership structure and peer set for Commitment Finance Ltd - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Review suggested. Trust score 69/100, distress signals and MSME payment-delay disclosures - know whether Commitment Finance Ltd 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 Commitment Finance Ltd - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Commitment Finance Ltd an active company?
Commitment Finance Ltd has MCA status “Active” with a compliance score of 70/100 (Moderate).
Is Commitment Finance Ltd financially healthy?
Commitment Finance Ltd has a Financial Health Score of 45/100 (Caution Indicated) based on its filed financial statements.
Should I do business with Commitment Finance Ltd?
Its overall Trust Score is 69/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Commitment Finance Ltd?
Promoters hold a minority stake - exact percentages are in the full report. 5 active director(s) are on record.
Does Commitment Finance Ltd have loans or charges against its assets?
No charges are registered against this company - an unencumbered balance sheet.
Is Commitment Finance Ltd up to date with its ROC filings?
Annual filings current (balance sheet Mar 2025). Overall compliance score: 70/100 (Moderate).
Is it risky to lend to Commitment Finance Ltd?
Its Credit Risk Score is 55/100 (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.
