Promoter holding
64.27%
EF
Emerald Finance Limited - Due diligence report
A 360° intelligence report on Emerald Leasing Finance & Investment: trust score, financial health, credit view, compliance, directors, growt…
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Emerald Leasing Finance & Investment — 360° Intelligence Report
Generated from MCA filings & public records84/100
Trust Score
Low Risk
Emerald Leasing Finance & Investment is assessed as Low Risk with a Trust Score of 84/100. Emerald Leasing Finance & Investment is an active public limited indian non-government company incorporated in 1983, 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 moderate compliance risk and low financial risk profile.
Report generated on 11 Aug 2026 from the latest processed filings. Emerald Finance Limited snapshot & full profile →
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 & explainableTrust ScoreLow Risk
84/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
70/100
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
80/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
90/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
95/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
80/100
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.
Get full accessScores 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: 80/100 Low Risk
- Liabilities ≈ 38% EBITDA - serviceable.
- Open charges exceed net worth - secured lenders rank ahead.
- Moderate gearing (D/E 1.42).
- Profitable - internal accruals available.
Charges position: 20 open (47.53 cr) · 35 satisfied (41.46 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Others | 53 | 48.0 cr |
| State Bank Of India | 1 | 48.0 cr |
| Canara Bank | 1 | 48.0 cr |
Compliance Score: 70/100 Moderate
- Company status is Active as per MCA.
- Annual filings current (balance sheet Mar 2025).
- Flagged by authority: FIU.
- 1 active GST registration(s).
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Director Intelligence
Stability score: 90/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| ANUBHA AGGARWAL | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SANJAY AGGARWAL | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| AMARJEET KAUR | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SHEETAL KAPOOR | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Manjeet Kaushik | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| AKSHAY KUMAR | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 6 directors on the board.
- No disqualified or deactivated DINs.
- 1 director exit(s) in the last 3 years.
- Average tenure above 5 years.
Director & KMP remuneration (FY 2022)
| Name | Designation | Total remuneration |
|---|---|---|
| A K Sharma | Managing Director | 2.4 cr |
| R Mehta | Whole-time Director | 1.6 cr |
| S Iyer | CFO | 95.0 L |
Remuneration is disclosed in the latest annual return. Unlock full report
06
Ownership & Group Intelligence
As per FY 2022 annual returnPublic / 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
7 allotment(s) · 0 transfer(s)
Promoters hold a majority stake - exact percentages are part of the full report.
| Group entity | Relationship | % held |
|---|---|---|
| Eclat Net Advisors Private Limited | Subsidiary Company | 74.00% |
Key managerial personnel: SANJAY AGGARWAL (Managing Director) · SHEETAL KAPOOR (CFO)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 95 · Distress 80
Growth signals & trust indicators
Revenue acceleration: +2.1x over 4 year(s).
Latest year revenue grew 24%.
Profit expanded 0.86 year-on-year.
Asset base grew 61% - capacity expansion.
Net margin improved to 38%.
Operating for 42+ years.
Active GST registration(s).
Distress signals & risk flags
Outside liabilities up 1.42 in a year.
20 open charge(s) registered - assets are encumbered.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence77/100
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 assessment82/100
Favourable lending indicators
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 20 open charge(s) of 47.53 cr already registered.
- Compliance record supports lending.
Investor view92/100
Positive growth indicators
Growth quality and scalability through an investor lens.
- 5 growth signal(s) detected.
- Margin and return trends computable from filings.
- Management team looks stable.
09
MCA Filings & Events Timeline
Latest 15 events22 Jun 2026
Charge satisfied
Others
12 Jun 2026
Charge created
Others - 10.00 cr
09 Jun 2026
Charge created
Others - 1.00 cr
01 Jun 2026
Charge satisfied
Others
29 May 2026
Charge created
Others - 1.00 cr
27 May 2026
Charge created
Others - 5.00 cr
16 May 2026
Charge created
Others - 1.00 cr
05 May 2026
Charge created
Others - 50.00 Lakh
01 May 2026
Charge satisfied
Others
28 Apr 2026
Charge created
Others - 50.00 Lakh
24 Apr 2026
Charge satisfied
Others
14 Apr 2026
Charge created
Others - 1.50 cr
17 Feb 2026
Charge created
Others - 1.00 cr
10 Feb 2026
Charge satisfied
Others
03 Feb 2026
Charge created
Others - 3.00 cr
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Key Observations
Auto-generated from the data aboveRevenue grew 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.
6 active director(s) / partner(s); board looks stable and experienced.
1 active GST registration(s) indicate ongoing business operations.
Operates a group structure with 1 subsidiary(ies) - assess on a consolidated basis.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a majority 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 7 security allotment(s) - amounts available in the full report.
| Company | CIN | Location |
|---|---|---|
| Majestic Leasing Company Private Limited | U65921MP1984PTC013867 | Huzur, Madhya Pradesh, India |
| Stft Finance Private Limited | U67200HR2019PTC080310 | Gurgaon, Haryana, India |
| Ganesh Capfin Limited | U67120RJ1995PLC010344 | Jaipur, Rajasthan, India |
| Mukund Security & Investment Limited | U65990MH1992PLC069720 | Mumbai, Maharashtra, India |
| Global Assets Leasing And Finance Private Limited | U65923DL2011PTC215809 | East Delhi, Delhi, India |
| Paceman Finance India Private Limited | U65191TN1994PTC029363 | Chennai, Tamil Nadu, India |
| Sumati Projects Ltd | L45209WB1981PLC034366 | Kolkata, West Bengal, India |
| Sri Amman Finance Private Limited | U65993TZ2005PTC011732 | Udumalpet, Tamil Nadu, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Emerald Leasing Finance & Investment before audits and certifications: compliance score 70/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Emerald Leasing Finance & Investment: 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 80/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Positive growth indicators. Growth score 95/100, margin trends, ownership structure and peer set for Emerald Leasing Finance & Investment - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Favourable indicators. Trust score 84/100, distress signals and MSME payment-delay disclosures - know whether Emerald Leasing Finance & Investment 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 Emerald Leasing Finance & Investment - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Emerald Leasing Finance & Investment an active company?
Emerald Leasing Finance & Investment has MCA status “Active” with a compliance score of 70/100 (Moderate).
Is Emerald Leasing Finance & Investment financially healthy?
Emerald Leasing Finance & Investment has a Financial Health Score of 95/100 (Low Risk) based on its filed financial statements.
Should I do business with Emerald Leasing Finance & Investment?
Its overall Trust Score is 84/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Emerald Leasing Finance & Investment?
Promoters hold a majority stake - exact percentages are in the full report. 6 active director(s) are on record.
Does Emerald Leasing Finance & Investment have loans or charges against its assets?
20 open charge(s) are registered against its assets, and 35 earlier charge(s) stand satisfied.
Is Emerald Leasing Finance & Investment up to date with its ROC filings?
Annual filings current (balance sheet Mar 2025). Overall compliance score: 70/100 (Moderate).
Is it risky to lend to Emerald Leasing Finance & Investment?
Its Credit Risk Score is 80/100 (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.
