Ebix Money Express Private Limited - Due diligence report

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

2013-08-08 Mumbai, Maharashtra Active Unlisted Active Compliant
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EM Ebix Money Express Private Limited
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Youfirst — 360° Intelligence Report

Generated from MCA filings & public records
87/100
Trust Score
Low Risk

Youfirst is assessed as Low Risk with a Trust Score of 87/100. Youfirst is an active private limited indian non-government company incorporated in 2013, operating in the Financial Services sector. Reported revenue has declined across its recent filed years. It was profitable in its latest filed year. Based on MCA filings and public records, it currently shows a low compliance risk and low financial risk profile.

Report generated on 16 Jul 2026 from the latest processed filings. Ebix Money Express Private Limited snapshot & full profile →

Financial Health › Strong
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 ScoreLow Risk
87/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
100/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
85/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
70/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
75/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
55/100
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 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: 70/100 Moderate
  • Liabilities ≈ 38% EBITDA - stretched.
  • No open charges - unencumbered balance sheet.
  • Moderate gearing (D/E 1.42).
  • Working-capital cover adequate.
  • Profitable - internal accruals available.

Charges position: 0 open (-) · 7 satisfied (371.00 cr).

Banking relationships (from registered charges)
LenderChargesAmount
Yes Bank Limited1 48.0 cr
Hdfc Bank Limited1 48.0 cr
Axis Bank Limited1 48.0 cr
Others4 48.0 cr
Compliance Score: 100/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • 5 active GST registration(s).
05

Director Intelligence

Stability score: 75/100
NameDIN / PANDesignationAppointedTenureDIN status
SWATI GUPTA 01234567 Director 01/04/2018 6 yrs Approved
KRATIKA AGARWAL 01234567 Director 01/04/2018 6 yrs Approved
HARIPRASAD MEENOTH PANICHIKKIL 01234567 Director 01/04/2018 6 yrs Approved
SAIF RAMZAN ALI 01234567 Director 01/04/2018 6 yrs Approved
GURUPRASAD TIRUVANAMALAI CHANDRASHEKARAN 01234567 Director 01/04/2018 6 yrs Approved
Chaganti Samba Murty 01234567 Director 01/04/2018 6 yrs Approved
Pravin Madhukar Patil 01234567 Director 01/04/2018 6 yrs Approved
  • 7 directors on the board.
  • No disqualified or deactivated DINs.
  • 6 director exits in 3 years - high churn.
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
Ebixcash Limited
Subsidiaries
-
Group entities
-
Capital events
11 allotment(s) · 0 transfer(s)

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

Group entityRelationship% held
Ebixcash Limited Holding Company 74.00%

Key managerial personnel: SAIF RAMZAN ALI (CFO)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 55 · Distress 65
Growth signals & trust indicators
Profit expanded 2.1x year-on-year.
Net margin improved to 24%.
Operating for 12+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
6 director exits within 2 years.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence86/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • 2 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment82/100
Favourable lending indicators
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 view74/100
Positive growth indicators
Growth quality and scalability through an investor lens.
  • 2 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 15 events
12 Aug 2025
Last AGM held
Annual general meeting
11 Aug 2025
Director ceased
SWATI GUPTA
Director ceased
HARIPRASAD MEENOTH PANICHIKKIL
Director ceased
Chaganti Samba Murty
Director ceased
Pravin Madhukar Patil
30 Jun 2025
Charge satisfied
Hdfc Bank Limited
05 May 2025
Director appointed
SWATI GUPTA (Director)
Director appointed
Chaganti Samba Murty (Director)
Director appointed
Pravin Madhukar Patil (Director)
Director ceased
SUMIT KHADRIA
31 Mar 2025
Latest balance sheet
Filed with ROC
20 Dec 2024
Director appointed
HARIPRASAD MEENOTH PANICHIKKIL (Director)
29 Sep 2024
Director ceased
SANJAY SINGH
05 Mar 2024
Director appointed
KRATIKA AGARWAL (Company Secretary)
25 Nov 2022
Director ceased
DEEPAK BHAN
10

Key Observations

Auto-generated from the data above
Revenue declined 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.
Compliance record is strong - status, filings and flags are clean.
7 active director(s) / partner(s); board looks stable and experienced.
5 active GST registration(s) indicate ongoing business operations.
All 7 registered charge(s) stand satisfied - past borrowings repaid.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a dominant controlling stake as per the FY 2023 annual return.
Capital has been raised through 11 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Ddp Travel Forex Private Limited U63000MH2019PTC319814 Mumbai, Maharashtra, India
Elcid Investments Limited L65990MH1981PLC025770 Mumbai, Maharashtra, India
National Scheduled Castes Finance And Development Corporation U93000DL1989NPL034967 Delhi, Delhi, India
M. Prasad And Co Limited U67120WB1999PLC090325 Kolkata, West Bengal, India
Vibrant Forex Private Limited U67100KA2019PTC120392 Bangalore, Karnataka, India
Aakarshan Estates Private Limited U45201HR1997PTC076107 Gurugram, Haryana, India
Kotak Infrastructure Debt Fund Limited U65910MH1988PLC048450 Mumbai, Maharashtra, India
Olam Treasury U65923HR1994PTC040113 Gurgaon, Haryana, India
12

Who Uses This Report

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

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

Company Secretaries (CS)

Track statutory health of Youfirst: 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 70/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Positive growth indicators. Growth score 55/100, margin trends, ownership structure and peer set for Youfirst - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 87/100, distress signals and MSME payment-delay disclosures - know whether Youfirst 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 Youfirst - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Youfirst an active company?

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

Is Youfirst financially healthy?

Youfirst has a Financial Health Score of 85/100 (Low Risk) based on its filed financial statements.

Should I do business with Youfirst?

Its overall Trust Score is 87/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Youfirst?

The ultimate holding entity is Ebixcash Limited. 7 active director(s) are on record.

Does Youfirst have loans or charges against its assets?

No open charges - all 7 registered charge(s) stand satisfied, indicating past borrowings were repaid.

Is Youfirst up to date with its ROC filings?

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

Is it risky to lend to Youfirst?

Its Credit Risk Score is 70/100 (Moderate). 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.