Education Culture Private Limited - Due diligence report

A 360° intelligence report on Education Culture: trust score, financial health, credit view, compliance, directors, growth and distress sign…

2015-01-16 Ludhiana, Punjab Active Unlisted Active Compliant
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EC Education Culture Private Limited
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  • Full trust, health & credit-risk scores
  • Director details, charges & MCA documents
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Education Culture — 360° Intelligence Report

Generated from MCA filings & public records
92/100
Trust Score
Low Risk

Education Culture is assessed as Low Risk with a Trust Score of 92/100. Education Culture is an active private limited indian non-government company incorporated in 2015, operating in the Internet 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 17 Jul 2026 from the latest processed filings. Education Culture 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
92/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
93/100
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
95/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreCaution Indicated
40/100
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: 95/100 Low Risk
  • Liabilities ≈ 38% EBITDA - serviceable.
  • Moderate gearing (D/E 1.42).
  • Working-capital cover adequate.
  • Profitable - internal accruals available.

Charges position: 3 open (62.12 Lakh) · 0 satisfied (-).

Banking relationships (from registered charges)
LenderChargesAmount
Hdfc Bank Limited3 48.0 cr
Compliance Score: 93/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • Litigation present in 1 court forum(s).
Legal cases on record (1)
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
DEV KRISHAN GARG 01234567 Director 01/04/2018 6 yrs Approved
SHRIYA BHAGAT 01234567 Director 01/04/2018 6 yrs Approved
GIRDHARI LAL GARG 01234567 Director 01/04/2018 6 yrs Approved
PRIYA GARG 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.
Director & KMP remuneration (FY 2023)
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 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
1 allotment(s) · 2 transfer(s)

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

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 40 · Distress 80
Growth signals & trust indicators
Operating for 11+ years.
Active EPFO - real payroll on record.
Distress signals & risk flags
Profit declined two years in a row.
3 open charge(s) registered - assets are encumbered.
1 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence89/100
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 assessment94/100
Favourable lending indicators
Indicative lending comfort for banks, NBFCs and trade credit.
  • Debt capacity assessed from filed statements.
  • 3 open charge(s) of 62.12 Lakh already registered.
  • Compliance record supports lending.
Investor view72/100
Positive growth 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 team looks stable.
09

MCA Filings & Events Timeline

Latest 15 events
12 Dec 2025
Charge created
Hdfc Bank Limited - 24.04 Lakh
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
16 Nov 2022
Charge created
Hdfc Bank Limited - 20.08 Lakh
31 Dec 2020
Director ceased
SHRIYA BHAGAT
Director ceased
GIRDHARI LAL GARG
30 Nov 2020
Charge created
Hdfc Bank Limited - 18.00 Lakh
31 Mar 2020
Share transfer (FY 2020)
100.00000000 shares to GIRDHARI LAL GARG
Share transfer (FY 2020)
100.00000000 shares to SHRIYA BHAGAT
06 Jan 2020
Securities allotted
10200 Equity Shares - 10.00 raised
02 Jan 2020
Director appointed
SHRIYA BHAGAT (Director)
Director appointed
GIRDHARI LAL GARG (Director)
16 Jan 2015
Incorporated
Registered with Roc Chandigarh
Director appointed
DEV KRISHAN GARG (Director)
Director appointed
PRIYA GARG (Director)
10

Key Observations

Auto-generated from the data above
Revenue declined 2.1x over the last 4 financial year(s).
Net profit margin moved from 24% to 0.86.
Debt-to-equity stands at 61% - manageable leverage.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
4 active director(s) / partner(s); board looks stable and experienced.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a dominant controlling stake as per the FY 2023 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 1 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Aspire Knowledge & Skills India Private Limited U62011PN2017PTC168844 Pune City, Maharashtra, India
Indianeers Media Private Limited U22120MP2013PTC031439 Bhopal, Madhya Pradesh, India
Eduracle U93090PN2017PTC169647 Pune, Maharashtra, India
Sesa Community Development Foundation U80302GA1994NPL001593 Goa, Goa, India
P. P. Savani Knowledge City U80904GJ2015NPL082577 Mangrol, Gujarat, India
Super Seva Healthcare Private Limited U85110BR2008PTC013834 Muzaffarpur, Bihar, India
Maharashtra State Faculty Development Academy U80904MH2020NPL342124 Mumbai, Maharashtra, India
Eduramp Learning Services Private Limited U74900MH2012PTC237525 Thane, Maharashtra, India
12

Who Uses This Report

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

Verify Education Culture before audits and certifications: compliance score 93/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Education Culture: 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 95/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Positive growth indicators. Growth score 40/100, margin trends, ownership structure and peer set for Education Culture - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 92/100, distress signals and MSME payment-delay disclosures - know whether Education Culture pays its suppliers before you extend credit terms.

Lawyers & Compliance Teams

Litigation footprint (1 case(s) on record), regulatory flags, charge documents trail and director networks for Education Culture - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Education Culture an active company?

Education Culture has MCA status “Active” with a compliance score of 93/100 (Low Risk).

Is Education Culture financially healthy?

Education Culture has a Financial Health Score of 95/100 (Low Risk) based on its filed financial statements.

Should I do business with Education Culture?

Its overall Trust Score is 92/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Education Culture?

Promoters hold a dominant controlling stake - exact percentages are in the full report. 4 active director(s) are on record.

Does Education Culture have loans or charges against its assets?

3 open charge(s) are registered against its assets.

Is Education Culture up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 93/100 (Low Risk).

Is it risky to lend to Education Culture?

Its Credit Risk Score is 95/100 (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.