Community Finance Private Limited - Due diligence report

A 360° intelligence report on Communityfinance: trust score, financial health, credit view, compliance, directors, growth and distress signa…

2010-06-22 Kolkata, West Bengal Active Unlisted Active Compliant
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CF Community Finance Private Limited
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  • Director details, charges & MCA documents
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Communityfinance — 360° Intelligence Report

Generated from MCA filings & public records
74/100
Trust Score
Moderate

Communityfinance is assessed as Moderate with a Trust Score of 74/100. Communityfinance is an active private limited indian non-government company incorporated in 2010, 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 moderate financial risk profile.

Report generated on 17 Jul 2026 from the latest processed filings. Community Finance Private Limited snapshot & full profile →

Financial Health › Neutral
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 ScoreModerate
74/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
83/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
50/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
55/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreCaution Indicated
45/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
50/100
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 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: 55/100 Moderate
  • Negative operating earnings - debt service depends on external support.
  • Moderate gearing (D/E 38%).
  • Working-capital cover adequate.

Charges position: 3 open (24.00 cr) · 6 satisfied (27.50 cr).

Banking relationships (from registered charges)
LenderChargesAmount
Others9 48.0 cr
Compliance Score: 83/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • Litigation present in 1 court forum(s).
  • 1 auditor resignation(s) filed - latest: T.C. MAHAWAR & CO on 2016-08-28.
  • 3 active GST registration(s).
Legal cases on record (1)
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
AARON ANDREW ROZARIO 01234567 Director 01/04/2018 6 yrs Approved
FRANCIS ANDREW ROZARIO 01234567 Director 01/04/2018 6 yrs Approved
VINAY KUMAR BIJAWAT 01234567 Director 01/04/2018 6 yrs Approved
AJAY GOVIND KALYANKAR 01234567 Director 01/04/2018 6 yrs Approved
Amruta Sudhir Songire 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 2023)
NameDesignationTotal remuneration
A K SharmaManaging Director2.4 cr
R MehtaWhole-time Director1.6 cr
S IyerCFO95.0 L

Remuneration is disclosed in the latest annual return. Unlock full report

06

Ownership & Group Intelligence

As per FY 2023 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
Community Holding Pte Limited
Subsidiaries
-
Group entities
-
Capital events
3 allotment(s) · 1 transfer(s)

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

Group entityRelationship% held
Community Holding Pte Limited Holding Company 74.00%

Key managerial personnel: AJAY GOVIND KALYANKAR (Managing Director)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 45 · Distress 50
Growth signals & trust indicators
EPFO headcount growing - hiring signal.
Operating for 16+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
Losses deepening year-on-year.
Outside liabilities up 1.42 in a year.
3 open charge(s) registered - assets are encumbered.
1 auditor resignation(s) on record - review the stated reasons.
1 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence70/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • 3 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment60/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
  • Debt capacity assessed from filed statements.
  • 3 open charge(s) of 24.00 cr already registered.
  • Compliance record supports lending.
Investor view54/100
Mixed indicators
Growth quality and scalability through an investor lens.
  • 1 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 15 events
15 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
15 Jul 2024
Charge created
Others - 5.00 cr
10 May 2024
Director appointed
Amruta Sudhir Songire (Company Secretary)
28 Feb 2024
Charge created
Others - 4.00 cr
04 Aug 2023
Charge created
Others - 15.00 cr
17 Aug 2022
Director ceased
ANDREW EDWARD GRACIAS
01 Nov 2021
Charge satisfied
Others
16 Sep 2021
Charge satisfied
Others
24 Jun 2021
Charge satisfied
Others
13 May 2021
Charge satisfied
Others
21 Oct 2020
Charge satisfied
Others
21 Sep 2020
Director ceased
ROHIT BHARGAVA
27 Apr 2020
Director ceased
RAKESH BAJAJ
12 Mar 2020
Charge created
Others - 3.00 cr
10

Key Observations

Auto-generated from the data above
Revenue declined 2.1x over the last 4 financial year(s).
Net profit margin moved from 24% to 0.86.
Debt-to-equity stands at 61% - manageable leverage.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
5 active director(s) / partner(s); board looks stable and experienced.
3 active GST registration(s) indicate ongoing business operations.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a dominant controlling 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.
Capital has been raised through 3 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Phillipcapital U67120MH2003PTC142627 Mumbai, Maharashtra, India
Sempon Permanent Nidhi Limited U65991TN1990PLC019488 Perambur, Madras-11., Tamil Nadu, India
Gaurav Chit Fund Private Limited U65923TG2012PTC079062 Hyderabad, Telangana, India
Suman Chit Funds Pvt.Ltd. U65992TG1978PTC002318 Hyderabad, Telangana, India
Sms Holdings Private Limited U67120DL1996PTC079753 Delhi, Delhi, India
Anupriya Consultants Pvt Ltd U74140WB1994PTC066160 Kolkata, West Bengal, India
Apollo Trading And Finance U74899DL1983PTC015159 New Delhi, Delhi, India
Smart Customer Services Private Limited U74999DL2002PTC116020 Delhi, Delhi, India
12

Who Uses This Report

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

Verify Communityfinance before audits and certifications: compliance score 83/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Communityfinance: 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 45/100, margin trends, ownership structure and peer set for Communityfinance - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 74/100, distress signals and MSME payment-delay disclosures - know whether Communityfinance 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 Communityfinance - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Communityfinance an active company?

Communityfinance has MCA status “Active” with a compliance score of 83/100 (Low Risk).

Is Communityfinance financially healthy?

Communityfinance has a Financial Health Score of 50/100 (Moderate) based on its filed financial statements.

Should I do business with Communityfinance?

Its overall Trust Score is 74/100 (Moderate). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Communityfinance?

The ultimate holding entity is Community Holding Pte Limited. 5 active director(s) are on record.

Does Communityfinance have loans or charges against its assets?

3 open charge(s) are registered against its assets, and 6 earlier charge(s) stand satisfied.

Is Communityfinance up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 83/100 (Low Risk).

Is it risky to lend to Communityfinance?

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.