Promoter holding
64.27%
CT
Credify Technologies Private Limited - Due diligence report
A 360° intelligence report on Creditt: trust score, financial health, credit view, compliance, directors, growth and distress signals - gene…
Creditt — 360° Intelligence Report
Generated from MCA filings & public records72/100
Trust Score
Moderate
Creditt is assessed as Moderate with a Trust Score of 72/100. Creditt is an active private limited indian non-government company incorporated in 2017, operating in the Internet 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 moderate compliance risk and moderate financial risk profile.
Report generated on 11 Jun 2026 from the latest processed filings. Credify Technologies Private 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.
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Score Card
Higher is safer · rule-based & explainableTrust ScoreModerate
72/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
68/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
60/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
50/100
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 ScoreModerate
65/100
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.
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Credit & Compliance Intelligence
Why the scores are what they are
Credit Risk Score: 50/100 Moderate
- Negative operating earnings - debt service depends on external support.
- No open charges - unencumbered balance sheet.
- Working-capital cover adequate.
Charges position: 0 open (-) · 1 satisfied (8.33 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Others | 1 | 48.0 cr |
Compliance Score: 68/100 Moderate
- Company status is Active as per MCA.
- Balance sheet slightly behind (Mar 2024).
- Litigation present in 3 court forum(s).
- 1 active GST registration(s).
Legal cases on record (3)
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Director Intelligence
Stability score: 95/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| NARESH NANIKRAM SHAHANI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| ADARSH RAJIVBHAI MEHTA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| PARAG CHANDULAL MEHTA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Zulfikar Mohamed Chandoo | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 4 directors on the board.
- No disqualified or deactivated DINs.
- Stable board - no exits in 3 years.
- Average tenure above 5 years.
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
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Subsidiaries
-
Group entities
-
Capital events
10 allotment(s) · 3 transfer(s)
Promoters hold a majority stake - exact percentages are part of the full report.
Full shareholding pattern, group structure & capital events →
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Risk Intelligence Center
Growth 90 · Distress 65
Growth signals & trust indicators
Revenue acceleration: +38% over 4 year(s).
Latest year revenue grew 1.42.
Asset base grew 2.1x - capacity expansion.
EPFO headcount growing - hiring signal.
Operating for 9 years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Losses deepening year-on-year.
Outside liabilities up 24% in a year.
3 court case(s) on record - see the legal section for details.
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Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence68/100
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 assessment58/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- No existing security registered - first-charge position available.
- Compliance gaps should be priced into terms.
Investor view75/100
Positive growth 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 events03 Oct 2025
Director appointed
Zulfikar Mohamed Chandoo (Nominee Director)
30 Sep 2024
Last AGM held
Annual general meeting
31 Mar 2024
Latest balance sheet
Filed with ROC
31 Mar 2023
Charge satisfied
Others
30 Jan 2023
Director ceased
NAMRA KAUTILYABHAI PARIKH
Director ceased
TEJAS PRADIPBHAI SHAH
05 Jul 2022
Charge created
Others - 8.33 cr
23 May 2022
Securities allotted
37500 Debentures - 3.75 cr raised
19 May 2022
Securities allotted
45750 Debentures - 4.58 cr raised
25 Feb 2022
Securities allotted
250000 Preference Shares - 25.00 Lakh raised
31 Jan 2022
Securities allotted
50000 Preference Shares - 5.00 Lakh raised
11 Dec 2021
Securities allotted
400000 Preference Shares - 40.00 Lakh raised
30 Nov 2021
Securities allotted
400000 Preference Shares - 40.00 Lakh raised
26 Jun 2021
Securities allotted
9859 Equity Shares - 98,590.00 raised
31 Mar 2021
Share transfer (FY 2021)
1.00000000 shares to Avani Shaileshbhai Mehta
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Key Observations
Auto-generated from the data aboveRevenue grew 0.86 over the last 4 financial year(s).
Net profit margin moved from 61% to 38%.
Debt-to-equity stands at 1.42 - leverage worth monitoring.
Net worth is positive.
4 active director(s) / partner(s); board looks stable and experienced.
1 active GST registration(s) indicate ongoing business operations.
All 1 registered charge(s) stand satisfied - past borrowings repaid.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a majority stake as per the FY 2023 annual return.
Capital has been raised through 10 security allotment(s) - amounts available in the full report.
| Company | CIN | Location |
|---|---|---|
| Silicon Techlab Private Limited | U72300OR2009PTC010991 | Bhubaneswar, Orissa, India |
| Jean Martin | U72200TN2004PTC053085 | Chennai, Tamil Nadu, India |
| Sag Infotech | U72200RJ2010PTC031817 | Jaipur, Rajasthan, India |
| Solution Analysts | U72200GJ2011PTC063729 | Ahmadabad City, Gujarat, India |
| Phyzii | U72900MH2007PTC171018 | Mumbai, Maharashtra, India |
| San Technologies Private Limited | U72200TG2016PTC102730 | Hyderabad, Telangana, India |
| Supra Canada Technologies | U72200DL2010PTC211676 | East Delhi, Delhi, India |
| Edukite Learning | U80211GJ2006PTC048313 | Vadodara, Gujarat, India |
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Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Creditt before audits and certifications: compliance score 68/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Creditt: 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 50/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Positive growth indicators. Growth score 90/100, margin trends, ownership structure and peer set for Creditt - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Review suggested. Trust score 72/100, distress signals and MSME payment-delay disclosures - know whether Creditt pays its suppliers before you extend credit terms.
Lawyers & Compliance Teams
Litigation footprint (3 case(s) on record), regulatory flags, charge documents trail and director networks for Creditt - groundwork for KYC, onboarding and disputes.
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Frequently Asked Questions
Is Creditt an active company?
Creditt has MCA status “Active” with a compliance score of 68/100 (Moderate).
Is Creditt financially healthy?
Creditt has a Financial Health Score of 60/100 (Moderate) based on its filed financial statements.
Should I do business with Creditt?
Its overall Trust Score is 72/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Creditt?
Promoters hold a majority stake - exact percentages are in the full report. 4 active director(s) are on record.
Does Creditt have loans or charges against its assets?
No open charges - all 1 registered charge(s) stand satisfied, indicating past borrowings were repaid.
Is Creditt up to date with its ROC filings?
Balance sheet slightly behind (Mar 2024). Overall compliance score: 68/100 (Moderate).
Is it risky to lend to Creditt?
Its Credit Risk Score is 50/100 (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.
