Promoter holding
64.27%
CL
Credifin Limited - Due diligence report
A 360° intelligence report on Phf Leasing: trust score, financial health, credit view, compliance, directors, growth and distress signals - …
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Phf Leasing — 360° Intelligence Report
Generated from MCA filings & public records69/100
Trust Score
Moderate
Phf Leasing is assessed as Moderate with a Trust Score of 69/100. Phf Leasing is an active public limited indian non-government company incorporated in 1992, 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 high compliance risk and low financial risk profile.
Report generated on 21 Jul 2026 from the latest processed filings. Credifin 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 ScoreModerate
69/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
38/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
75/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
35/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
90/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
95/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
70/100
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 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: 35/100 Caution Indicated
- Liabilities ≈ 38% EBITDA - stretched.
- Open charges exceed net worth - secured lenders rank ahead.
- Elevated gearing (D/E 1.42).
- Profitable - internal accruals available.
- Externally credit-rated (B+).
Charges position: 70 open (270.71 cr) · 54 satisfied (66.68 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Others | 93 | 48.0 cr |
| State Bank Of India | 2 | 48.0 cr |
| Atam Parkash Sharma | 19 | 48.0 cr |
| Capital Local Area Bank Limited | 1 | 48.0 cr |
| Col. (Retd.) Gurdeep Singh | 4 | 48.0 cr |
| S.Atam Parkash Sharma | 1 | 48.0 cr |
Compliance Score: 38/100 Caution Indicated
- Company status is Active as per MCA.
- Annual filings current (balance sheet Mar 2025).
- Flagged by authority: MCA.
- Litigation present in 2 court forum(s).
- 3 auditor resignation(s) filed - latest: MSKA & Associates on 2021-08-13.
- Delayed payments to MSME suppliers disclosed (1 disclosure(s)).
- 1 active GST registration(s).
Legal cases on record (2)
05
Director Intelligence
Stability score: 90/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| VIJAY KUMAR SAREEN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| MEGHAL GUPTA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| ADITI KAPUR | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SHIKHA KAPOOR | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| KUMAR SHALYA GUPTA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Kuldeep Bhandari | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| KUMAR GUPTA SHALYA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| ASHWANI KUMAR JINDAL | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Kuldip Bhandari | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Sunil Kumar Mehta | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Kuldip Bhandari | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 11 directors on the board.
- No disqualified or deactivated DINs.
- 3 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
-
Group entities
-
Capital events
17 allotment(s) · 0 transfer(s)
Promoters hold a minority stake - exact percentages are part of the full report.
Key managerial personnel: KUMAR SHALYA GUPTA (CEO) · Kuldeep Bhandari (CFO) · KUMAR GUPTA SHALYA (CEO) · Kuldip Bhandari (CFO)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 95 · Distress 70
Growth signals & trust indicators
Revenue acceleration: +2.1x over 4 year(s).
Latest year revenue grew 24%.
Profit expanded 0.86 year-on-year.
Asset base grew 61% - capacity expansion.
EPFO headcount growing - hiring signal.
Operating for 34+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Outside liabilities up 38% in a year.
3 director exits within 2 years.
Compliance score is weak (38/100).
70 open charge(s) registered - assets are encumbered.
3 auditor resignation(s) on record - review the stated reasons.
MSME payment delays disclosed - latest outstanding 95,040.00.
2 court case(s) on record - see the legal section for details.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence57/100
Review suggested
Suitability as a supplier / customer counterparty.
- Check the compliance flags before onboarding.
- 2 distress signal(s) - see Risk Center.
- Financial filings available for verification.
Banker assessment48/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 70 open charge(s) of 270.71 cr already registered.
- Compliance gaps should be priced into terms.
Investor view82/100
Positive growth indicators
Growth quality and scalability through an investor lens.
- 5 growth signal(s) detected.
- Margin and return trends computable from filings.
- Management team looks stable.
09
MCA Filings & Events Timeline
Latest 15 events27 Nov 2025
Charge created
Others - 10.00 cr
13 Nov 2025
Charge satisfied
Others
12 Nov 2025
Charge satisfied
Others
29 Oct 2025
Charge satisfied
Others
27 Oct 2025
Charge created
Others - 7.50 cr
30 Sep 2025
Director ceased
CHANDAN CHUGH
23 Sep 2025
Charge satisfied
Others
19 Sep 2025
Last AGM held
Annual general meeting
18 Sep 2025
Director ceased
Sunil Kumar Mehta
16 Sep 2025
Charge satisfied
Others
08 Sep 2025
Charge created
Others - 5.00 cr
24 Jul 2025
Charge created
Others - 7.50 cr
15 Jul 2025
Charge satisfied
Others
30 Jun 2025
Charge created
Others - 10.00 cr
29 May 2025
Charge created
Others - 5.00 cr
10
Key Observations
Auto-generated from the data aboveRevenue grew 1.42 over the last 4 financial year(s).
Net profit margin moved from 2.1x to 24%.
Debt-to-equity stands at 0.86 - leverage worth monitoring.
Net worth is positive.
11 active director(s) / partner(s); board looks stable and experienced.
1 active GST registration(s) indicate ongoing business operations.
Carries an external credit rating of B+ from Icra.
EPFO-registered employer - verifiable payroll history exists.
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.
Capital has been raised through 17 security allotment(s) - amounts available in the full report.
| Company | CIN | Location |
|---|---|---|
| Sunglow Fininvest Private Limited | U66190DL1991PTC044541 | New Delhi, Delhi, India |
| Tamilnadu Backward Classes Economic Development Corporation Limited. | U51901TN1981SGC009081 | Chennai, Tamil Nadu, India |
| Dugar Finance And Investments Limited | U65993TN1987PLC014995 | Chennai, Tamil Nadu, India |
| Dbfs | U65923KL2007PLC021186 | Kaloor, Kerala, India |
| Citland Commercial Credits Limited | U65993DL1988PLC033155 | New Delhi, Delhi, India |
| Mira Inform | U74999MH1983PTC029458 | Mumbai, Maharashtra, India |
| Tcpl | U65999KA2018PTC114532 | Bangalore North, Karnataka, India |
| Money2Me Finance Private Limited | U65921CH1991PTC011336 | Ludhiana, Punjab, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Phf Leasing before audits and certifications: compliance score 38/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Phf Leasing: 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 35/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Positive growth indicators. Growth score 95/100, margin trends, ownership structure and peer set for Phf Leasing - 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 Phf Leasing 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 Phf Leasing - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Phf Leasing an active company?
Phf Leasing has MCA status “Active” with a compliance score of 38/100 (Caution Indicated).
Is Phf Leasing financially healthy?
Phf Leasing has a Financial Health Score of 75/100 (Low Risk) based on its filed financial statements.
Should I do business with Phf Leasing?
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 Phf Leasing?
Promoters hold a minority stake - exact percentages are in the full report. 11 active director(s) are on record.
Does Phf Leasing have loans or charges against its assets?
70 open charge(s) are registered against its assets, and 54 earlier charge(s) stand satisfied.
Is Phf Leasing up to date with its ROC filings?
Annual filings current (balance sheet Mar 2025). Overall compliance score: 38/100 (Caution Indicated).
Is it risky to lend to Phf Leasing?
Its Credit Risk Score is 35/100 (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.
