Electronic Payment And Services Private Limited - Due diligence report

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

2011-09-29 Mumbai, Maharashtra Active Unlisted Active Compliant
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EP Electronic Payment And Services Private Limited
Full Due-Diligence Report + Documents
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  • Full trust, health & credit-risk scores
  • Director details, charges & MCA documents
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Eps — 360° Intelligence Report

Generated from MCA filings & public records
77/100
Trust Score
Low Risk

Eps is assessed as Low Risk with a Trust Score of 77/100. Eps is an active private limited indian non-government company incorporated in 2011, operating in the Financial Services 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 low compliance risk and low financial risk profile.

Report generated on 17 Jul 2026 from the latest processed filings. Electronic Payment And Services 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
77/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
78/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
80/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
70/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
80/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
70/100
Revenue, profit, asset and hiring momentum.
Distress ScoreCaution Indicated
45/100
Early-warning signals - higher means fewer warnings.
03

Financial Intelligence Dashboard

Consolidated · 5 filed year(s)

Unlock the full 5-year financial dashboard with charts and year-wise figures.

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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
  • Open charges exceed net worth - secured lenders rank ahead.
  • Moderate gearing (D/E 38%).
  • Profitable - internal accruals available.
  • Externally credit-rated (BBB-).

Charges position: 11 open (286.00 cr) · 15 satisfied (322.62 cr).

Banking relationships (from registered charges)
LenderChargesAmount
Others16 48.0 cr
Bank Of India2 48.0 cr
Tata Capital Financial Services Limited4 48.0 cr
Hdfc Bank Limited1 48.0 cr
Siemens Financial Services Private Limited2 48.0 cr
State Bank Of India1 48.0 cr
Compliance Score: 78/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • Litigation present in 2 court forum(s).
  • Delayed payments to MSME suppliers disclosed (23 disclosure(s)).
  • 21 active GST registration(s).
Legal cases on record (2)
05

Director Intelligence

Stability score: 80/100
NameDIN / PANDesignationAppointedTenureDIN status
MANI MAMALLAN 01234567 Director 01/04/2018 6 yrs Approved
SANJAY KAPOOR AMRIT 01234567 Director 01/04/2018 6 yrs Approved
SHILPA MAHESHWARI 01234567 Director 01/04/2018 6 yrs Approved
UDAYAN GOYAL 01234567 Director 01/04/2018 6 yrs Approved
ANURAG AGRAWAL 01234567 Director 01/04/2018 6 yrs Approved
Pooja Dilip Panvelkar 01234567 Director 01/04/2018 6 yrs Approved
  • 6 directors on the board.
  • No disqualified or deactivated DINs.
  • 4 director exits in 3 years - high churn.
  • Average tenure above 5 years.
Director & KMP remuneration (FY 2025)
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 2025 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
1
Group entities
1
Capital events
29 allotment(s) · 0 transfer(s)

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

Group entityRelationship% held
Finiverse Aggregator Private Limited Subsidiary Company 74.00%

Key managerial personnel: MANI MAMALLAN (Managing Director)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 70 · Distress 45
Growth signals & trust indicators
Steady revenue growth: +1.42 over 4 year(s).
Asset base grew 2.1x - capacity expansion.
EPFO headcount growing - hiring signal.
Operating for 14+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
Profit declined two years in a row.
Outside liabilities up 24% in a year.
3 director exits within 2 years.
11 open charge(s) registered - assets are encumbered.
MSME payment delays disclosed - latest outstanding 12.02 Lakh.
2 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence68/100
Review suggested
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • 4 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment75/100
Favourable lending indicators
Indicative lending comfort for banks, NBFCs and trade credit.
  • Debt capacity assessed from filed statements.
  • 11 open charge(s) of 286.00 cr already registered.
  • Compliance record supports lending.
Investor view75/100
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 events
04 Nov 2025
Director ceased
RAMA SUBRAMANIAM GANDHI
25 Aug 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
28 Mar 2025
Charge created
Others - 12.00 cr
28 Feb 2025
Charge created
Others - 25.00 cr
16 Nov 2024
Director ceased
SUDHANSHU VASANT SOMAN
21 Oct 2024
Director appointed
SHILPA MAHESHWARI (Nominee Director)
30 Sep 2024
Director ceased
Angela Sebastian
30 Aug 2024
Charge created
Others - 20.00 cr
30 Jul 2024
Charge created
Others - 35.00 cr
04 Jun 2024
Charge created
Others - 35.00 cr
19 Feb 2024
Charge satisfied
Others
30 Jan 2024
Director ceased
SUSHMA KESHAVAMURTHY KAUSHIK
27 Oct 2023
Charge satisfied
Others
24 Dec 2021
Charge created
Others - 20.00 cr
10

Key Observations

Auto-generated from the data above
Revenue 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.
Compliance record is strong - status, filings and flags are clean.
6 active director(s) / partner(s); board looks stable and experienced.
21 active GST registration(s) indicate ongoing business operations.
Operates a group structure with 1 subsidiary(ies) - assess on a consolidated basis.
Carries an external credit rating of BBB- from Crisil.
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.
Capital has been raised through 29 security allotment(s) - amounts available in the full report.
7 overseas direct investment(s) (ODI) on record - international footprint.
11

Peers & Related Companies

Full peer comparison →
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Syk Infotech Private Limited U73100GJ2019PTC106127 Vapi, Gujarat, India
Time Express International Private Limited U28299DL1982PTC014374 New Delhi, Delhi, India
Liebherr India Private Limited U51909MH2006FTC163343 Thane, Maharashtra, India
Tif (Castings) Limited U27109WB1988PLC044545 Kolkata, West Bengal, India
Northern Operating Solutions Private Limited U72900PN2019FTC188165 Pune, Maharashtra, India
Gsk-Ch U24232PB2014FTC039082 Patiala, Punjab, India
Tulipgroup U85195GA1988PTC005717 Tiswadi, Goa, India
12

Who Uses This Report

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

Verify Eps before audits and certifications: compliance score 78/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Eps: 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 70/100, margin trends, ownership structure and peer set for Eps - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Review suggested. Trust score 77/100, distress signals and MSME payment-delay disclosures - know whether Eps pays its suppliers before you extend credit terms.

Lawyers & Compliance Teams

Litigation footprint (2 case(s) on record), regulatory flags, charge documents trail and director networks for Eps - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Eps an active company?

Eps has MCA status “Active” with a compliance score of 78/100 (Low Risk).

Is Eps financially healthy?

Eps has a Financial Health Score of 80/100 (Low Risk) based on its filed financial statements.

Should I do business with Eps?

Its overall Trust Score is 77/100 (Low Risk). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Eps?

Promoters hold a minority stake - exact percentages are in the full report. 6 active director(s) are on record.

Does Eps have loans or charges against its assets?

11 open charge(s) are registered against its assets, and 15 earlier charge(s) stand satisfied.

Is Eps up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 78/100 (Low Risk).

Is it risky to lend to Eps?

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.