Promoter holding
64.27%
CT
Comviva Technologies Limited - Due diligence report
A 360° intelligence report on Comviva: trust score, financial health, credit view, compliance, directors, growth and distress signals - gene…
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Comviva — 360° Intelligence Report
Generated from MCA filings & public records86/100
Trust Score
Low Risk
Comviva is assessed as Low Risk with a Trust Score of 86/100. Comviva is an active public limited indian non-government company incorporated in 1999, operating in the Financial Services sector. The company has shown revenue growth across its recent filed years. It was profitable in its latest filed year. Based on MCA filings and public records, it currently shows a low compliance risk and low financial risk profile.
Report generated on 17 Aug 2026 from the latest processed filings. Comviva Technologies 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
86/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
85/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
85/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreLow Risk
85/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
75/100
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
Consolidated · 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: 85/100 Low Risk
- Liabilities ≈ 38% EBITDA - serviceable.
- Working-capital cover adequate.
- Profitable - internal accruals available.
Charges position: 4 open (183.00 cr) · 4 satisfied (61.39 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Hdfc Bank Limited | 1 | 48.0 cr |
| Others | 2 | 48.0 cr |
| Idbi Bank Limited | 1 | 48.0 cr |
| Standard Chartered Bank | 1 | 48.0 cr |
| Canara Bank | 1 | 48.0 cr |
| State Bank Of Mysore | 1 | 48.0 cr |
Compliance Score: 85/100 Low Risk
- Company status is Active as per MCA.
- Annual filings current (balance sheet Mar 2025).
- Litigation present in 1 court forum(s).
- Delayed payments to MSME suppliers disclosed (151 disclosure(s)).
- 4 active GST registration(s).
Legal cases on record (1)
05
Director Intelligence
Stability score: 75/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| ATUL SONEJA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| AJAY NATVARBHAI MEHTA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Ramutar Goel | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Richard Gerard Lobo | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Rajesh Bhimsen Chandiramani | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| PARMINDER SINGH BAKSHI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| CHANDRA LAKSHMINARAYAN IYER | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Rajesh Bhimsen Chandiramani | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 8 directors on the board.
- No disqualified or deactivated DINs.
- 4 director exits in 3 years - high churn.
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
Tech Mahindra Limited
Subsidiaries
1
Group entities
1
Capital events
21 allotment(s) · 4 transfer(s)
Promoters hold a dominant controlling stake - exact percentages are part of the full report.
| Group entity | Relationship | % held |
|---|---|---|
| Comviva Technologies Usa Inc. | Subsidiary Company | 74.00% |
| Comviva Technologies Americas Inc | Subsidiary Company | 74.00% |
| Comviva Technologies B.v. | Subsidiary Company | 74.00% |
| Y A B X Technologies (netherlands) Bv | Subsidiary Company | 74.00% |
| Comviva Technologies Cote D'ivoire | Subsidiary Company | 74.00% |
| Comviva Technologies Fz-llc | Subsidiary Company | 74.00% |
| Comviva Technologies Madagascar Sarlu | Subsidiary Company | 74.00% |
| Comviva Technologies Myanmar Limited | Subsidiary Company | 74.00% |
| Comviva Technologies Nigeria Limited | Subsidiary Company | 74.00% |
| Tech Mahindra Limited | Holding Company | 74.00% |
Key managerial personnel: Ramutar Goel (CFO) · Rajesh Bhimsen Chandiramani (CEO)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 75 · Distress 90
Growth signals & trust indicators
Revenue acceleration: +1.42 over 4 year(s).
EPFO headcount growing - hiring signal.
Operating for 27+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
4 open charge(s) registered - assets are encumbered.
MSME payment delays disclosed - latest outstanding 9.75 cr.
1 court case(s) on record - see the legal section for details.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence87/100
Favourable indicators
Suitability as a supplier / customer counterparty.
- Statutory record is clean.
- No distress signals on file.
- Financial filings available for verification.
Banker assessment85/100
Favourable lending indicators
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 4 open charge(s) of 183.00 cr already registered.
- Compliance record supports lending.
Investor view81/100
Positive growth indicators
Growth quality and scalability through an investor lens.
- 2 growth signal(s) detected.
- Margin and return trends computable from filings.
- Management team looks stable.
09
MCA Filings & Events Timeline
Latest 15 events10 Jul 2025
Last AGM held
Annual general meeting
01 Apr 2025
Director appointed
AJAY NATVARBHAI MEHTA (Director)
Director appointed
CHANDRA LAKSHMINARAYAN IYER (Additional Director)
Director ceased
AJAY NATVARBHAI MEHTA
31 Mar 2025
Latest balance sheet
Filed with ROC
16 Dec 2024
Charge satisfied
Canara Bank
08 Jul 2024
Director ceased
ATUL SONEJA
Director ceased
Richard Gerard Lobo
06 Jun 2024
Director appointed
Rajesh Bhimsen Chandiramani (Ceo)
01 Jun 2024
Director appointed
Rajesh Bhimsen Chandiramani (CEO)
Director ceased
Rajesh Bhimsen Chandiramani
04 Apr 2024
Director appointed
Richard Gerard Lobo (Director)
20 Oct 2023
Director appointed
ATUL SONEJA (Director)
31 May 2023
Director ceased
NEERAJ JAIN
01 Dec 2022
Securities allotted
2474226 Equity Shares - 240.00 cr raised
10
Key Observations
Auto-generated from the data aboveRevenue grew 2.1x over the last 4 financial year(s).
Net profit margin moved from 24% to 0.86.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
8 active director(s) / partner(s); board looks stable and experienced.
4 active GST registration(s) indicate ongoing business operations.
Operates a group structure with 1 subsidiary(ies) - assess on a consolidated basis.
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 21 security allotment(s) - amounts available in the full report.
30 overseas direct investment(s) (ODI) on record - international footprint.
| Company | CIN | Location |
|---|---|---|
| Innominds | U72200TG2000PTC034013 | Hyderabad, Telangana, India |
| Celebal Technologies | U72900RJ2016PTC056190 | Jaipur, Rajasthan, India |
| Earlysalary | U72200PN2015PLC157014 | Pune, Maharashtra, India |
| Ecentric | U72200TG2002PTC040141 | Hyderabad, Telangana, India |
| Zerodha | U72200KA2015PTC078781 | Bangalore, Karnataka, India |
| Comnet Solutions | U99999MH1997PTC109588 | Mumbai, Maharashtra, India |
| Visteon Technical And Services Centre Private Limited | U35990TN2006PTC060495 | Chennai, Tamil Nadu, India |
| Samsung R&D Institute India - Bangalore Private Limited | U72200KA2004PTC035309 | Bangalore, Karnataka, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Comviva before audits and certifications: compliance score 85/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Comviva: 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: Favourable lending indicators. Credit risk score 85/100, 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 Comviva - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Favourable indicators. Trust score 86/100, distress signals and MSME payment-delay disclosures - know whether Comviva 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 Comviva - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Comviva an active company?
Comviva has MCA status “Active” with a compliance score of 85/100 (Low Risk).
Is Comviva financially healthy?
Comviva has a Financial Health Score of 85/100 (Low Risk) based on its filed financial statements.
Should I do business with Comviva?
Its overall Trust Score is 86/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Comviva?
The ultimate holding entity is Tech Mahindra Limited. 8 active director(s) are on record.
Does Comviva have loans or charges against its assets?
4 open charge(s) are registered against its assets, and 4 earlier charge(s) stand satisfied.
Is Comviva up to date with its ROC filings?
Annual filings current (balance sheet Mar 2025). Overall compliance score: 85/100 (Low Risk).
Is it risky to lend to Comviva?
Its Credit Risk Score is 85/100 (Low Risk). Banker verdict: Favourable lending indicators.
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.
