Equitable Finance Limited - Due diligence report

A 360° intelligence report on Equitable Finance Limited: trust score, financial health, credit view, compliance, directors, growth and distr…

1987-11-02 Mumbai, Maharashtra Active Unlisted Active Non-Compliant
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EF Equitable Finance Limited
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Equitable Finance Limited — 360° Intelligence Report

Generated from MCA filings & public records
56/100
Trust Score
Moderate

Equitable Finance Limited is assessed as Moderate with a Trust Score of 56/100. Equitable Finance Limited is an active public limited indian non-government company incorporated in 1987, operating in the Financial Services sector. Reported revenue has declined across its recent filed years. It reported a loss in its latest filed year. Based on MCA filings and public records, it currently shows a moderate compliance risk and high financial risk profile.

Report generated on 17 Jul 2026 from the latest processed filings. Equitable Finance Limited snapshot & full profile →

Financial Health › Weak
Overall Assessment CautionWeakNeutralGoodStrong Good
Compliance › Good

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
56/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
55/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
40/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
55/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreModerate
55/100
Board strength, DIN status, churn and network.
Growth ScoreCaution Indicated
40/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
50/100
Early-warning signals - higher means fewer warnings.
03

Financial Intelligence Dashboard

Consolidated · 3 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: 55/100 Moderate
  • Negative operating earnings - debt service depends on external support.
  • No open charges - unencumbered balance sheet.
  • Moderate gearing (D/E 38%).

Charges position: 0 open (-) · 1 satisfied (5.00 cr).

Banking relationships (from registered charges)
LenderChargesAmount
Punjab National Bank1 48.0 cr
Compliance Score: 55/100 Moderate
  • Company status is Active as per MCA.
  • Marked ACTIVE non-compliant (INC-22A).
  • Last balance sheet is for Mar 2017 - filings overdue.
  • 1 active GST registration(s).
05

Director Intelligence

Stability score: 55/100
NameDIN / PANDesignationAppointedTenureDIN status
NOORJEHAN NAUSHAD PADAMSEE 01234567 Director 01/04/2018 6 yrs Approved
NAUSHAD ISMAIL PADAMSEE 01234567 Director 01/04/2018 6 yrs Approved
RIAZ ALIMOHAMAD PADAMSEE 01234567 Director 01/04/2018 6 yrs Approved
SHAMIM MUMTAZ PADAMSEE 01234567 Director 01/04/2018 6 yrs Approved
  • 4 directors on the board.
  • NOORJEHAN NAUSHAD PADAMSEE has DIN status "Disqualified by RoC u/s 164(2)".
  • Stable board - no exits in 3 years.
  • Average tenure above 5 years.
06

Ownership & Group Intelligence

As per FY 2017 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
2
Group entities
3
Capital events
-

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

Group entityRelationship% held
Eagle Home Appliances Private Limited Subsidiary Company 74.00%
Eagle Agro-farm Private Ltd Associate Company 74.00%
Eagle Flask Industries Private Limited Subsidiary Company 74.00%

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 40 · Distress 50
Growth signals & trust indicators
Operating for 38+ years.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
Losses deepening year-on-year.
Statutory filings appear overdue.
Compliance score is weak (55/100).
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence54/100
Review suggested
Suitability as a supplier / customer counterparty.
  • Check the compliance flags before onboarding.
  • 3 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment50/100
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 gaps should be priced into terms.
Investor view44/100
Limited indicators at present
Growth quality and scalability through an investor lens.
  • No clear growth signals in the filed years.
  • Margin and return trends computable from filings.
  • Management churn warrants questions.
09

MCA Filings & Events Timeline

Latest 9 events
30 Sep 2017
Last AGM held
Annual general meeting
31 Mar 2017
Latest balance sheet
Filed with ROC
10 Dec 2007
Charge satisfied
Punjab National Bank
26 May 2001
Charge created
Punjab National Bank - 5.00 cr
08 Jul 1997
Director appointed
RIAZ ALIMOHAMAD PADAMSEE (Director)
08 Jul 1993
Director appointed
SHAMIM MUMTAZ PADAMSEE (Director)
28 Oct 1991
Director appointed
NOORJEHAN NAUSHAD PADAMSEE (Director)
Director appointed
NAUSHAD ISMAIL PADAMSEE (Director)
02 Nov 1987
Incorporated
Registered with Roc Mumbai I
10

Key Observations

Auto-generated from the data above
Revenue declined 1.42 over the last 2 financial year(s).
Net profit margin moved from 2.1x to 24%.
Debt-to-equity stands at 0.86 - manageable leverage.
Net worth is positive.
4 active director(s) / partner(s); review board churn before relying on management continuity.
1 active GST registration(s) indicate ongoing business operations.
All 1 registered charge(s) stand satisfied - past borrowings repaid.
Operates a group structure with 2 subsidiary(ies) - assess on a consolidated basis.
Promoters hold a dominant controlling stake as per the FY 2017 annual return.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Allied Legal Consultancy Services Private Limited U74140OR2012PTC015152 Balasore, Orissa, India
Dhana Vruksha Financial Services Private Limited U65100TN2014PTC098500 Chennai, Tamil Nadu, India
Visalakshi Enterprises Private Limited U22211TN2006PTC059398 Sivakasi, Tamil Nadu, India
Thooval Chitties Private Limited U65992KL2014PTC036929 Near Urakam Church, Kerala, India
Mar Themotheus Charities And Chitties U85320KL1968NPL002166 Thrissur, Kerala, India
Consolidated Consultancy Services Pvt Ltd U17232WB1985PTC038944 Kolkata, West Bengal, India
Jaik Infosolution U74999UP2016PTC084427 Noida, Uttar Pradesh, India
Sheelata Properties Private Limited U31900DL1983PTC016146 Delhi, Delhi, India
12

Who Uses This Report

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

Verify Equitable Finance Limited before audits and certifications: compliance score 55/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Equitable Finance Limited: 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 55/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Limited indicators at present. Growth score 40/100, margin trends, ownership structure and peer set for Equitable Finance Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Review suggested. Trust score 56/100, distress signals and MSME payment-delay disclosures - know whether Equitable Finance Limited 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 Equitable Finance Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Equitable Finance Limited an active company?

Equitable Finance Limited has MCA status “Active” with a compliance score of 55/100 (Moderate).

Is Equitable Finance Limited financially healthy?

Equitable Finance Limited has a Financial Health Score of 40/100 (Caution Indicated) based on its filed financial statements.

Should I do business with Equitable Finance Limited?

Its overall Trust Score is 56/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Equitable Finance Limited?

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

Does Equitable Finance Limited have loans or charges against its assets?

No open charges - all 1 registered charge(s) stand satisfied, indicating past borrowings were repaid.

Is Equitable Finance Limited up to date with its ROC filings?

Marked ACTIVE non-compliant (INC-22A). Overall compliance score: 55/100 (Moderate).

Is it risky to lend to Equitable Finance Limited?

Its Credit Risk Score is 55/100 (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.