Dcb Bank Limited - Due diligence report

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

1995-05-31 Mumbai, Maharashtra Active Listed Active Compliant
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Dcb Bank — 360° Intelligence Report

Generated from MCA filings & public records
58/100
Trust Score
Moderate

Dcb Bank is assessed as Moderate with a Trust Score of 58/100. Dcb Bank is an active public limited indian non-government company incorporated in 1995, operating in the Financial Services sector. It was profitable 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 08 Aug 2026 from the latest processed filings. Dcb Bank Limited snapshot & full profile →

Financial Health › Neutral
Overall Assessment CautionWeakNeutralGoodStrong Good
Compliance › Neutral

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 ScoreModerate
58/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
50/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
50/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
45/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreCaution Indicated
30/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
50/100
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 access

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: 45/100 Caution Indicated
  • Negative operating earnings - debt service depends on external support.
  • No open charges - unencumbered balance sheet.

Charges position: 0 open (-) · 0 satisfied (-).

Compliance Score: 50/100 Moderate
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • Flagged by authority: FIU, IRDA, RBI.
  • Litigation present in 5 court forum(s).
  • 24 active GST registration(s).
Legal cases on record (5)
05

Director Intelligence

Stability score: 30/100
NameDIN / PANDesignationAppointedTenureDIN status
NASSER MUKHTAR MUNJEE 01234567 Director 01/04/2018 6 yrs Approved
LAKSHMY CHANDRASEKARAN 01234567 Director 01/04/2018 6 yrs Approved
Praveen Achuthan Kutty 01234567 Director 01/04/2018 6 yrs Approved
AMYN ASGARALI JASSANI 01234567 Director 01/04/2018 6 yrs Approved
RAVI KUMAR VADLAMANI SATYANARAYANA 01234567 Director 01/04/2018 6 yrs Approved
THIYAGARAJAN KUMAR 01234567 Director 01/04/2018 6 yrs Approved
RAVI KUMAR VADLAMANI SATYANARAYANA 01234567 Director 01/04/2018 6 yrs Approved
TARUN BALRAM 01234567 Director 01/04/2018 6 yrs Approved
SOMASUNDARAM PALAMADAIRAMASWAMY 01234567 Director 01/04/2018 6 yrs Approved
Rubi Chaturvedi 01234567 Director 01/04/2018 6 yrs Approved
Krishnan Sridhar Seshadri 01234567 Director 01/04/2018 6 yrs Approved
NADIR NOORALLAH BHALWANI 01234567 Director 01/04/2018 6 yrs Approved
BALU SRINIVASAN 01234567 Director 01/04/2018 6 yrs Approved
  • 13 directors on the board.
  • TARUN BALRAM has DIN status "Deactivated due to non-filing of DIR-3 KYC".
  • 4 director exits in 3 years - high churn.
Director & KMP remuneration (FY 2022)
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 2022 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
-
Subsidiaries
-
Group entities
-
Capital events
518 allotment(s) · 29 transfer(s)

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

Key managerial personnel: Praveen Achuthan Kutty (Managing Director) · RAVI KUMAR VADLAMANI SATYANARAYANA (CFO) · RAVI KUMAR VADLAMANI SATYANARAYANA (CFO) · Krishnan Sridhar Seshadri (Whole-time director)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 50 · Distress 80
Growth signals & trust indicators
Operating for 31+ years.
Active GST registration(s).
Distress signals & risk flags
3 director exits within 2 years.
Compliance score is weak (50/100).
5 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence61/100
Review suggested
Suitability as a supplier / customer counterparty.
  • Check the compliance flags before onboarding.
  • 1 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.
  • No existing security registered - first-charge position available.
  • Compliance gaps should be priced into terms.
Investor view52/100
Mixed indicators
Growth quality and scalability through an investor lens.
  • No clear growth signals in the filed years.
  • Margin and return trends computable from filings.
  • Management churn warrants questions.
09

MCA Filings & Events Timeline

Latest 15 events
06 Aug 2025
Last AGM held
Annual general meeting
18 May 2025
Director ceased
NADIR NOORALLAH BHALWANI
Director ceased
BALU SRINIVASAN
31 Mar 2025
Latest balance sheet
Filed with ROC
07 Mar 2025
Director appointed
NADIR NOORALLAH BHALWANI (Director)
Director appointed
BALU SRINIVASAN (Director)
19 Sep 2024
Director appointed
NASSER MUKHTAR MUNJEE (Director)
28 Aug 2024
Director ceased
Krishnan Sridhar Seshadri
13 Jun 2024
Director appointed
Krishnan Sridhar Seshadri (Whole-time director)
29 Apr 2024
Director appointed
Praveen Achuthan Kutty (Managing Director)
28 Apr 2024
Director ceased
MURALI MAMUNDI NATARAJAN
21 Jun 2023
Director ceased
LAKSHMY CHANDRASEKARAN
19 Jun 2023
Director appointed
RAVI KUMAR VADLAMANI SATYANARAYANA (CFO)
08 Jun 2023
Director appointed
RAVI KUMAR VADLAMANI SATYANARAYANA (CFO)
14 Apr 2023
Director appointed
LAKSHMY CHANDRASEKARAN (Director)
10

Key Observations

Auto-generated from the data above
13 active director(s) / partner(s); review board churn before relying on management continuity.
24 active GST registration(s) indicate ongoing business operations.
Promoters hold a minority stake as per the FY 2022 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 518 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 →
Peer companies will appear here as our matching engine processes this industry.
12

Who Uses This Report

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

Verify Dcb Bank before audits and certifications: compliance score 50/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Dcb Bank: 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 50/100, margin trends, ownership structure and peer set for Dcb Bank - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Review suggested. Trust score 58/100, distress signals and MSME payment-delay disclosures - know whether Dcb Bank pays its suppliers before you extend credit terms.

Lawyers & Compliance Teams

Litigation footprint (5 case(s) on record), regulatory flags, charge documents trail and director networks for Dcb Bank - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Dcb Bank an active company?

Dcb Bank has MCA status “Active” with a compliance score of 50/100 (Moderate).

Is Dcb Bank financially healthy?

Dcb Bank has a Financial Health Score of 50/100 (Moderate) based on its filed financial statements.

Should I do business with Dcb Bank?

Its overall Trust Score is 58/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Dcb Bank?

Promoters hold a minority stake - exact percentages are in the full report. 13 active director(s) are on record.

Does Dcb Bank have loans or charges against its assets?

No charges are registered against this company - an unencumbered balance sheet.

Is Dcb Bank up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 50/100 (Moderate).

Is it risky to lend to Dcb Bank?

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.