Cravatex Limited - Due diligence report

A 360° intelligence report on Cravatex: trust score, financial health, credit view, compliance, directors, growth and distress signals - gen…

1951-06-22 Mumbai, Maharashtra Active Listed Active Compliant
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CL Cravatex Limited
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Cravatex — 360° Intelligence Report

Generated from MCA filings & public records
83/100
Trust Score
Low Risk

Cravatex is assessed as Low Risk with a Trust Score of 83/100. Cravatex is an active public limited indian non-government company incorporated in 1951, operating in the Consumer Goods sector. Reported revenue has declined 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 16 Jul 2026 from the latest processed filings. Cravatex Limited snapshot & full profile →

Financial Health › Strong
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 ScoreLow Risk
83/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
86/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
80/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreLow Risk
90/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
80/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
60/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
65/100
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.

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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: 90/100 Low Risk
  • No open charges - unencumbered balance sheet.
  • Moderate gearing (D/E 38%).
  • Working-capital cover adequate.
  • Profitable - internal accruals available.
  • Externally credit-rated (BB+).

Charges position: 0 open (-) · 10 satisfied (225.33 cr).

Banking relationships (from registered charges)
LenderChargesAmount
Hdfc Bank Limited5 48.0 cr
Axis Bank Limited5 48.0 cr
Compliance Score: 86/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • Litigation present in 2 court forum(s).
  • 1 active GST registration(s).
Legal cases on record (2)
05

Director Intelligence

Stability score: 80/100
NameDIN / PANDesignationAppointedTenureDIN status
ROHAN KUMAR BATRA 01234567 Director 01/04/2018 6 yrs Approved
Divakar Ganapati Kamath 01234567 Director 01/04/2018 6 yrs Approved
NAKUL TOSHNIWAL 01234567 Director 01/04/2018 6 yrs Approved
SATYAN SHIVKUMAR ISRANI 01234567 Director 01/04/2018 6 yrs Approved
SUDHANSHU NAMDEO 01234567 Director 01/04/2018 6 yrs Approved
RAJESH KUMAR BATRA 01234567 Director 01/04/2018 6 yrs Approved
DIVAKAR GANAPATI KAMATH 01234567 Director 01/04/2018 6 yrs Approved
RINA SURESH DEORA 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.
  • Average tenure above 5 years.
Director & KMP remuneration (FY 2025)
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 2025 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
R.b. Fitness And Trading Private Limited
Subsidiaries
-
Group entities
-
Capital events
2 allotment(s) · 0 transfer(s)

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

Group entityRelationship% held
Bb (uk) Limited Subsidiary Company 74.00%
R.b. Fitness And Trading Private Limited Holding Company 74.00%
Bb Europe Gmbh Subsidiary Company 74.00%

Key managerial personnel: Divakar Ganapati Kamath (CFO) · RAJESH KUMAR BATRA (Managing Director)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 60 · Distress 65
Growth signals & trust indicators
Profit expanded 1.42 year-on-year.
Asset base grew 2.1x - capacity expansion.
Net margin improved to 24%.
Operating for 75+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
Outside liabilities up 0.86 in a year.
2 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence79/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • 2 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment86/100
Favourable lending indicators
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 view73/100
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 events
11 Aug 2025
Director ceased
RINA SURESH DEORA
06 Aug 2025
Last AGM held
Annual general meeting
20 May 2025
Director appointed
RINA SURESH DEORA (Director)
31 Mar 2025
Latest balance sheet
Filed with ROC
26 Apr 2024
Director ceased
NAKUL TOSHNIWAL
Director ceased
SATYAN SHIVKUMAR ISRANI
15 Feb 2024
Director appointed
NAKUL TOSHNIWAL (Director)
12 Feb 2024
Director appointed
SATYAN SHIVKUMAR ISRANI (Director)
31 Jan 2024
Director ceased
SHIVKUMAR DHALUMAL ISRANI
29 Apr 2023
Charge satisfied
Hdfc Bank Limited
21 Jun 2021
Charge created
Hdfc Bank Limited - 10.83 cr
13 Aug 2020
Director ceased
ROHAN KUMAR BATRA
04 Aug 2020
Charge satisfied
Hdfc Bank Limited
01 Apr 2020
Director appointed
ROHAN KUMAR BATRA (Director)
Director appointed
DIVAKAR GANAPATI KAMATH (Director)
10

Key Observations

Auto-generated from the data above
Revenue declined 61% over the last 4 financial year(s).
Net profit margin moved from 38% to 1.42.
Debt-to-equity stands at 2.1x - manageable leverage.
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.
1 active GST registration(s) indicate ongoing business operations.
All 10 registered charge(s) stand satisfied - past borrowings repaid.
Carries an external credit rating of BB+ from Icra.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a majority stake as per the FY 2025 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 2 security allotment(s) - amounts available in the full report.
4 overseas direct investment(s) (ODI) on record - international footprint.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Atn International L65993WB1983PLC080793 Kolkata, West Bengal, India
Chartered Capital And Investment L45201GJ1986PLC008577 Na, Gujarat, India
Ranklin Leasing And Finance L74899DL1992PLC048028 New Delhi, Delhi, India
Sanmati Trading And Investment Ltd L65993DL1981PLC025518 New Delhi, Delhi, India
Purple Finance L67120MH1993PLC075037 Mumbai, Maharashtra, India
Urbanmoney U51109WB1994PTC063994 Kolkata, West Bengal, India
Coral India Fin L67190MH1995PLC084306 Mumbai, Maharashtra, India
Gkw L27310WB1931PLC007026 Howrah, West Bengal, India
12

Who Uses This Report

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

Verify Cravatex before audits and certifications: compliance score 86/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Cravatex: 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 90/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Positive growth indicators. Growth score 60/100, margin trends, ownership structure and peer set for Cravatex - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 83/100, distress signals and MSME payment-delay disclosures - know whether Cravatex pays its suppliers before you extend credit terms.

Lawyers & Compliance Teams

Litigation footprint (2 case(s) on record), regulatory flags, charge documents trail and director networks for Cravatex - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Cravatex an active company?

Cravatex has MCA status “Active” with a compliance score of 86/100 (Low Risk).

Is Cravatex financially healthy?

Cravatex has a Financial Health Score of 80/100 (Low Risk) based on its filed financial statements.

Should I do business with Cravatex?

Its overall Trust Score is 83/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Cravatex?

The ultimate holding entity is R.b. Fitness And Trading Private Limited. 8 active director(s) are on record.

Does Cravatex have loans or charges against its assets?

No open charges - all 10 registered charge(s) stand satisfied, indicating past borrowings were repaid.

Is Cravatex up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 86/100 (Low Risk).

Is it risky to lend to Cravatex?

Its Credit Risk Score is 90/100 (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.