Promoter holding
64.27%
CI
Cummins India Limited - Due diligence report
A 360° intelligence report on Cumminsindia: trust score, financial health, credit view, compliance, directors, growth and distress signals -…
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Cumminsindia — 360° Intelligence Report
Generated from MCA filings & public records84/100
Trust Score
Low Risk
Cumminsindia is assessed as Low Risk with a Trust Score of 84/100. Cumminsindia is an active public limited indian non-government company incorporated in 1962, operating in the Automotive 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 moderate compliance risk and low financial risk profile.
Report generated on 09 Jul 2026 from the latest processed filings. Cummins India 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
84/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
72/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
95/100
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
75/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
85/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
80/100
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: 90/100 Low Risk
- Liabilities ≈ 38% EBITDA - serviceable.
- Moderate gearing (D/E 1.42).
- Profitable - internal accruals available.
Charges position: 7 open (70.90 cr) · 19 satisfied (120.43 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| State Bank Of India | 5 | 48.0 cr |
| The Industrial Credit & Investment Corporation Of India Ltd | 1 | 48.0 cr |
| The Industrial Credit And Investment Corporation Of Ind. Ltd | 1 | 48.0 cr |
| Icici Bank Limited | 2 | 48.0 cr |
| Icici Bank Ltd. | 1 | 48.0 cr |
| Bank Of Baroda | 4 | 48.0 cr |
Compliance Score: 72/100 Moderate
- Company status is Active as per MCA.
- Annual filings current (balance sheet Mar 2025).
- Litigation present in 3 court forum(s).
- Delayed payments to MSME suppliers disclosed (96 disclosure(s)).
- 20 active GST registration(s).
Legal cases on record (3)
05
Director Intelligence
Stability score: 75/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| DONALD JACKSON GRAY | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| REKHA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| JENNIFER MARY BUSH | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| BONNIE JEAN FETCH | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SHVETA ARYA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Ms. Vinaya Joshi | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SEKHAR NATARAJAN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SOMA DILIP GHOSH | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| VIBHA PAUL RISHI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| LIRA GOSWAMI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| FAROKH NARIMAN SUBEDAR | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Cornelius Osullivan | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Vinaya Abhijit Joshi | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Prasad Shridhar Kulkarni | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Thierry Bruno Pimi Nouyeuwe | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 15 directors on the board.
- No disqualified or deactivated DINs.
- 11 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 2025 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
Cummins Inc.
Subsidiaries
1
Group entities
3
Capital events
-
Promoters hold a minority stake - exact percentages are part of the full report.
| Group entity | Relationship | % held |
|---|---|---|
| Cummins Sales & Service Private Limited | Subsidiary Company | 74.00% |
| Cummins Inc. | Holding Company | 74.00% |
| Valvoline Cummins Private Limited | Joint Ventures | 74.00% |
| Cummins Generator Technologies India Private Limited | Associate Company | 74.00% |
Key managerial personnel: SHVETA ARYA (Managing Director) · SOMA DILIP GHOSH (CFO)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 85 · Distress 80
Growth signals & trust indicators
Revenue acceleration: +2.1x over 4 year(s).
Profit expanded 24% year-on-year.
EPFO headcount growing - hiring signal.
Operating for 64+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
10 director exits within 2 years.
7 open charge(s) registered - assets are encumbered.
MSME payment delays disclosed - latest outstanding 1.41 cr.
3 court case(s) on record - see the legal section for details.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence78/100
Favourable indicators
Suitability as a supplier / customer counterparty.
- Statutory record is clean.
- 1 distress signal(s) - see Risk Center.
- Financial filings available for verification.
Banker assessment87/100
Favourable lending indicators
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 7 open charge(s) of 70.90 cr already registered.
- Compliance record supports lending.
Investor view88/100
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 events06 Oct 2025
Director ceased
VIBHA PAUL RISHI
Director ceased
Thierry Bruno Pimi Nouyeuwe
09 Aug 2025
Director appointed
VIBHA PAUL RISHI (Director)
Director appointed
Thierry Bruno Pimi Nouyeuwe (Director)
08 Aug 2025
Last AGM held
Annual general meeting
21 Jul 2025
Director appointed
SOMA DILIP GHOSH (CFO)
Director ceased
Prasad Shridhar Kulkarni
31 Mar 2025
Latest balance sheet
Filed with ROC
31 Jan 2025
Director appointed
Prasad Shridhar Kulkarni (Cfo)
09 Jan 2025
Director ceased
AJAY SHRIRAM PATIL
06 Jan 2025
Director ceased
Cornelius Osullivan
08 Nov 2024
Director appointed
Cornelius Osullivan (Director)
31 Aug 2024
Director ceased
SHVETA ARYA
08 Aug 2024
Director appointed
SHVETA ARYA (Managing Director)
06 Aug 2024
Director ceased
SEKHAR NATARAJAN
10
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 - manageable leverage.
Net worth is positive.
15 active director(s) / partner(s); board looks stable and experienced.
20 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 minority 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.
| Company | CIN | Location |
|---|---|---|
| Kei | L74899DL1992PLC051527 | New Delhi, Delhi, India |
| Suzlon Energy | L40100GJ1995PLC025447 | Ahmedabad, Gujarat, India |
| Alstom | U60231KA2011PLC056682 | Bangalore, Karnataka, India |
| Escortsgroup | L74899HR1944PLC039088 | Faridabad, Haryana, India |
| Blue Star | L28920MH1949PLC006870 | Mumbai, Maharashtra, India |
| Motherson Sumi Wiring India Limited | L29306MH2020PLC341326 | Mumbai, Maharashtra, India |
| Uno Minda | L74899DL1992PLC050333 | Delhi, Delhi, India |
| Exide | L31402WB1947PLC014919 | Kolkata, West Bengal, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Cumminsindia before audits and certifications: compliance score 72/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Cumminsindia: 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 85/100, margin trends, ownership structure and peer set for Cumminsindia - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Favourable indicators. Trust score 84/100, distress signals and MSME payment-delay disclosures - know whether Cumminsindia 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 Cumminsindia - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Cumminsindia an active company?
Cumminsindia has MCA status “Active” with a compliance score of 72/100 (Moderate).
Is Cumminsindia financially healthy?
Cumminsindia has a Financial Health Score of 95/100 (Low Risk) based on its filed financial statements.
Should I do business with Cumminsindia?
Its overall Trust Score is 84/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Cumminsindia?
The ultimate holding entity is Cummins Inc.. 15 active director(s) are on record.
Does Cumminsindia have loans or charges against its assets?
7 open charge(s) are registered against its assets, and 19 earlier charge(s) stand satisfied.
Is Cumminsindia up to date with its ROC filings?
Annual filings current (balance sheet Mar 2025). Overall compliance score: 72/100 (Moderate).
Is it risky to lend to Cumminsindia?
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.
