Promoter holding
64.27%
CD
Cordialgramin Development Foundation - Due diligence report
A 360° intelligence report on Cordialgramin Development Foundation: trust score, financial health, credit view, compliance, directors, growt…
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Cordialgramin Development Foundation — 360° Intelligence Report
Generated from MCA filings & public records71/100
Trust Score
Moderate
Cordialgramin Development Foundation is assessed as Moderate with a Trust Score of 71/100. Cordialgramin Development Foundation is an active private not for profit company incorporated in 2020, 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 low compliance risk and high financial risk profile.
Report generated on 15 Jul 2026 from the latest processed filings. Cordialgramin Development Foundation 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
71/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
100/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
30/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
45/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
90/100
Revenue, profit, asset and hiring momentum.
Distress ScoreCaution Indicated
45/100
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 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: 45/100 Caution Indicated
- Liabilities ≈ 38% EBITDA - stretched.
- Working-capital cover adequate.
Charges position: 4 open (17.50 cr) · 0 satisfied (-).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Others | 4 | 48.0 cr |
Compliance Score: 100/100 Low Risk
- Company status is Active as per MCA.
- Annual filings current (balance sheet Mar 2025).
- 1 active GST registration(s).
05
Director Intelligence
Stability score: 95/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| ASHARAF MATTAPPANAYIL MUHAMMED | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| BASIL PAUL | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| LINU THOMAS | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| JOJO VARGHESE | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SURYALAKSHMI | 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.
06
Ownership & Group Intelligence
As per FY 2021 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
26 allotment(s) · 0 transfer(s)
Promoters hold a dominant controlling stake - exact percentages are part of the full report.
Key managerial personnel: ASHARAF MATTAPPANAYIL MUHAMMED (Managing Director)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 90 · Distress 45
Growth signals & trust indicators
Revenue acceleration: +1.42 over 1 year(s).
Latest year revenue grew 2.1x.
Asset base grew 24% - capacity expansion.
EPFO headcount growing - hiring signal.
Operating for 5 years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Losses deepening year-on-year.
Outside liabilities up 0.86 in a year.
Negative net worth.
4 open charge(s) registered - assets are encumbered.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence75/100
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 assessment54/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 4 open charge(s) of 17.50 cr already registered.
- Compliance record supports lending.
Investor view64/100
Mixed indicators
Growth quality and scalability through an investor lens.
- 4 growth signal(s) detected.
- 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
31 Mar 2025
Latest balance sheet
Filed with ROC
30 Sep 2022
Director ceased
JOYAL PAUL
Director ceased
SNIMY MATHEW
Director ceased
BASIL PAUL
Director ceased
LINU THOMAS
Director ceased
SURYALAKSHMI
30 Jun 2022
Securities allotted
11099 Debentures - 1.11 cr raised
10 Jun 2022
Director appointed
BASIL PAUL (Director)
Director appointed
LINU THOMAS (Director)
Director appointed
SURYALAKSHMI (Director)
03 Jun 2022
Charge created
Others - 2.50 cr
31 May 2022
Securities allotted
10518 Debentures - 1.05 cr raised
Securities allotted
150 Debentures - 1.50 Lakh raised
30 Apr 2022
Securities allotted
9619 Debentures - 96.19 Lakh raised
10
Key Observations
Auto-generated from the data aboveRevenue grew 61% over the last 1 financial year(s).
Net profit margin moved from 38% to 1.42.
Compliance record is strong - status, filings and flags are clean.
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 a dominant controlling stake as per the FY 2021 annual return.
Capital has been raised through 26 security allotment(s) - amounts available in the full report.
| Company | CIN | Location |
|---|---|---|
| Chancellor Commodeal Pvt Ltd | U51109WB1994PTC063993 | Kolkata, West Bengal, India |
| Gaganbase Vincom Pvt Ltd | U51909WB1994PTC066306 | Kolkata, West Bengal, India |
| Gigabyte Investment Advisory Private Limited | U51109WB2009PTC138200 | Kolkata, West Bengal, India |
| N M Finance And Investment Consultancy Ltd | U74120WB1986PLC040411 | Kolkata, West Bengal, India |
| Himgiri Hire Purchase Limited | U65921PN1990PLC167068 | Dapodi, Maharashtra, India |
| Deepson Dealing Pvt.Ltd. | U51109WB1995PTC069832 | Kolkata, West Bengal, India |
| Supreme Fincorp | U67190DL2013PTC262044 | New Delhi, Delhi, India |
| Geetganga Investment Private Limited | U65910GJ1989PTC012889 | Vadodara, Gujarat, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Cordialgramin Development Foundation before audits and certifications: compliance score 100/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Cordialgramin Development Foundation: 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 45/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Mixed indicators. Growth score 90/100, margin trends, ownership structure and peer set for Cordialgramin Development Foundation - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Favourable indicators. Trust score 71/100, distress signals and MSME payment-delay disclosures - know whether Cordialgramin Development Foundation 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 Cordialgramin Development Foundation - groundwork for KYC, onboarding and disputes.
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Frequently Asked Questions
Is Cordialgramin Development Foundation an active company?
Cordialgramin Development Foundation has MCA status “Active” with a compliance score of 100/100 (Low Risk).
Is Cordialgramin Development Foundation financially healthy?
Cordialgramin Development Foundation has a Financial Health Score of 30/100 (Caution Indicated) based on its filed financial statements.
Should I do business with Cordialgramin Development Foundation?
Its overall Trust Score is 71/100 (Moderate). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Cordialgramin Development Foundation?
Promoters hold a dominant controlling stake - exact percentages are in the full report. 5 active director(s) are on record.
Does Cordialgramin Development Foundation have loans or charges against its assets?
4 open charge(s) are registered against its assets.
Is Cordialgramin Development Foundation up to date with its ROC filings?
Annual filings current (balance sheet Mar 2025). Overall compliance score: 100/100 (Low Risk).
Is it risky to lend to Cordialgramin Development Foundation?
Its Credit Risk Score is 45/100 (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.
