Decipay Services Private Limited - Due diligence report

A 360° intelligence report on Decipay Services: trust score, financial health, credit view, compliance, directors, growth and distress signa…

2019-06-13 Mumbai, Maharashtra Active Unlisted
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Decipay Services — 360° Intelligence Report

Generated from MCA filings & public records
74/100
Trust Score
Moderate

Decipay Services is assessed as Moderate with a Trust Score of 74/100. Decipay Services is an active private limited indian non-government company incorporated in 2019, operating in the Financial Services sector. It reported a loss in its latest filed year. Based on MCA filings and public records, it currently shows a low compliance risk and moderate financial risk profile.

Report generated on 02 Aug 2026 from the latest processed filings. Decipay Services Private Limited snapshot & full profile →

Financial Health › Good
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 ScoreModerate
74/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
75/100
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
85/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
60/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
80/100
Early-warning signals - higher means fewer warnings.
03

Financial Intelligence Dashboard

Standalone · 4 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: 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 (-) · 0 satisfied (-).

Compliance Score: 75/100 Low Risk
  • Company status is Active as per MCA.
  • Last balance sheet is for Mar 2023 - filings overdue.
  • 1 active GST registration(s).
05

Director Intelligence

Stability score: 85/100
NameDIN / PANDesignationAppointedTenureDIN status
Javed Sayyed Gadkari 01234567 Director 01/04/2018 6 yrs Approved
SMITA DHIRAJ LOKHANDE 01234567 Director 01/04/2018 6 yrs Approved
  • 2 directors on the board.
  • No disqualified or deactivated DINs.
  • 1 director exit(s) in the last 3 years.
06

Ownership & Group Intelligence

As per FY 2023 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
5 allotment(s) · 0 transfer(s)

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

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 60 · Distress 80
Growth signals & trust indicators
Latest year revenue grew 38%.
Operating for 7 years.
Active GST registration(s).
Distress signals & risk flags
Statutory filings appear overdue.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence76/100
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 assessment59/100
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 record supports lending.
Investor view64/100
Mixed indicators
Growth quality and scalability through an investor lens.
  • 1 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 15 events
23 Dec 2023
Director appointed
Javed Sayyed Gadkari (Additional Director)
30 Sep 2023
Last AGM held
Annual general meeting
29 Sep 2023
Director ceased
SMITA DHIRAJ LOKHANDE
24 Jun 2023
Director appointed
SMITA DHIRAJ LOKHANDE (Director)
Director ceased
VARSHA SHARAD JOSHI
31 Mar 2023
Latest balance sheet
Filed with ROC
30 Sep 2022
Director ceased
NIKHIL ZENDARAM MEHRA
17 May 2022
Securities allotted
34681 Equity Shares Without Differential Rights - 17.16 Lakh raised
16 Feb 2022
Director ceased
Atul Chandrashekhar Joshi
19 Jul 2021
Securities allotted
34681 Equity Shares Without Differential Rights - 45.00 Lakh raised
Securities allotted
34681 Equity Shares Without Differential Rights - 17.31 Lakh raised
31 Dec 2020
Director ceased
SHARAD JOSHI
09 Jul 2020
Director ceased
Ninad Sharad Joshi
01 Jul 2020
Securities allotted
3831 Equity Shares Without Differential Rights - 24.99 Lakh raised
07 Apr 2020
Securities allotted
50000 Equity Shares Without Differential Rights - 5.00 Lakh raised
10

Key Observations

Auto-generated from the data above
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
2 active director(s) / partner(s); board looks stable and experienced.
1 active GST registration(s) indicate ongoing business operations.
Promoters hold a minority stake as per the FY 2023 annual return.
Capital has been raised through 5 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Rajeshkumar Umedmal Textiles Private Limited U18101MH2003PTC140933 Mumbai, Maharashtra, India
Twintech Academy Business Management Solutions Private Limited U74999TN2016PTC110983 Chennai, Tamil Nadu, India
Skill Initiatives And Assessment Council U80902DL2018NPL339732 New Delhi, Delhi, India
Sumantra Strategies Private Limited U74999GJ2022PTC134618 Surat, Gujarat, India
Sur Mandir Entertainment Complex Private Limited U92490GJ1998PTC034273 Palanpur, Gujarat, India
Amr Packwell Private Limited U20299UP2018PTC110912 Greate Noida, Uttar Pradesh, India
Syscon Calibration Centre Private Limited U31900KA2008PTC046703 Bangalore, Karnataka, India
United Sindhis International Forum U85300GJ2022NPL128503 Gandhinagar, Gujarat, India
12

Who Uses This Report

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

Verify Decipay Services before audits and certifications: compliance score 75/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Decipay Services: 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: Mixed indicators. Growth score 60/100, margin trends, ownership structure and peer set for Decipay Services - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 74/100, distress signals and MSME payment-delay disclosures - know whether Decipay Services pays its suppliers before you extend credit terms.

Lawyers & Compliance Teams

Litigation footprint (no cases on record), regulatory flags, charge documents trail and director networks for Decipay Services - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Decipay Services an active company?

Decipay Services has MCA status “Active” with a compliance score of 75/100 (Low Risk).

Is Decipay Services financially healthy?

Decipay Services has a Financial Health Score of 60/100 (Moderate) based on its filed financial statements.

Should I do business with Decipay Services?

Its overall Trust Score is 74/100 (Moderate). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Decipay Services?

Promoters hold a minority stake - exact percentages are in the full report. 2 active director(s) are on record.

Does Decipay Services have loans or charges against its assets?

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

Is Decipay Services up to date with its ROC filings?

Last balance sheet is for Mar 2023 - filings overdue. Overall compliance score: 75/100 (Low Risk).

Is it risky to lend to Decipay Services?

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.