Finnable Credit Private Limited - Due diligence report

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

2015-08-12 Bengaluru, Karnataka Active Unlisted Active Compliant
Share
FC Finnable Credit Private Limited
Full Due-Diligence Report + Documents
  • Unlock all financial figures & 5-year trends
  • Full trust, health & credit-risk scores
  • Director details, charges & MCA documents
₹700 ₹449 Save ₹251 excl. GST
Or from ₹279/report with credits View credit packages
Company Credits – Starter
  • One credit unlocks this full due-diligence report
  • Use across any company’s report, anytime
  • Credits valid for 12 months
× ₹700 ₹279 = ₹2,790 60% off
Choose your own credit amount View credit packages

Finnable — 360° Intelligence Report

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

Finnable is assessed as Low Risk with a Trust Score of 87/100. Finnable is an active private limited indian non-government company incorporated in 2015, 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 16 Jul 2026 from the latest processed filings. Finnable Credit 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
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 ScoreModerate
55/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreModerate
55/100
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

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: 55/100 Moderate
  • Liabilities ≈ 38% EBITDA - stretched.
  • Open charges exceed net worth - secured lenders rank ahead.
  • Moderate gearing (D/E 1.42).
  • Working-capital cover adequate.
  • Profitable - internal accruals available.

Charges position: 39 open (719.75 cr) · 6 satisfied (34.60 cr).

Banking relationships (from registered charges)
LenderChargesAmount
Others43 48.0 cr
Idbi Trusteeship Services Limited1 48.0 cr
Axis Bank Limited1 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).
  • 2 active GST registration(s).
Legal cases on record (1)
05

Director Intelligence

Stability score: 55/100
NameDIN / PANDesignationAppointedTenureDIN status
NITIN GUPTA 01234567 Director 01/04/2018 6 yrs Approved
VIRAJ TYAGI 01234567 Director 01/04/2018 6 yrs Approved
AMIT KUMAR ARORA 01234567 Director 01/04/2018 6 yrs Approved
VAITHEESWARAN SEETHARAMAN 01234567 Director 01/04/2018 6 yrs Approved
Manoj Kumar Reddy Beedanna Gari 01234567 Director 01/04/2018 6 yrs Approved
Nitin Gupta 01234567 Director 01/04/2018 6 yrs Approved
  • 6 directors on the board.
  • AMIT KUMAR ARORA has DIN status "Deactivated due to non-filing of DIR-3 KYC".
  • Stable board - no exits in 3 years.
  • Average tenure above 5 years.
06

Ownership & Group Intelligence

As per FY 2024 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
14 allotment(s) · 12 transfer(s)

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

Group entityRelationship% held
Finnable Technologies Private Limited Subsidiary Company 74.00%

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%.
EPFO headcount growing - hiring signal.
Operating for 10+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Outside liabilities up 1.42 in a year.
39 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 diligence87/100
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 assessment76/100
Favourable lending indicators
Indicative lending comfort for banks, NBFCs and trade credit.
  • Debt capacity assessed from filed statements.
  • 39 open charge(s) of 719.75 cr already registered.
  • Compliance record supports lending.
Investor view93/100
Positive growth indicators
Growth quality and scalability through an investor lens.
  • 6 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management churn warrants questions.
09

MCA Filings & Events Timeline

Latest 15 events
06 Jan 2026
Charge created
Others - 4.50 cr
30 Dec 2025
Charge created
Others - 40.00 cr
29 Dec 2025
Charge created
Others - 30.00 cr
23 Dec 2025
Charge created
Others - 30.00 cr
20 Dec 2025
Charge created
Others - 20.00 cr
10 Dec 2025
Charge created
Others - 30.00 cr
28 Nov 2025
Charge created
Others - 20.00 cr
26 Nov 2025
Charge created
Others - 30.00 cr
30 Oct 2025
Charge created
Others - 30.00 cr
15 Oct 2025
Charge created
Others - 20.00 cr
14 Oct 2025
Charge created
Others - 10.00 cr
29 Sep 2025
Last AGM held
Annual general meeting
26 Sep 2025
Charge created
Others - 19.50 cr
16 Sep 2025
Director appointed
Manoj Kumar Reddy Beedanna Gari (Company Secretary)
31 Jul 2025
Charge created
Others - 8.00 cr
10

Key Observations

Auto-generated from the data above
Revenue 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.
Compliance record is strong - status, filings and flags are clean.
6 active director(s) / partner(s); review board churn before relying on management continuity.
2 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 2024 annual return.
Capital has been raised through 14 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Chandraprabh Fincap Private Limited U65929MH2017PTC296756 Mumbai, Maharashtra, India
M R Finlease Limited U65910CH1995PLC015850 Chandigarh, Chandigarh, India
Uss Global Limited L74900DL1993PLC056491 New Delhi, Delhi, India
Sat Industries L25199MH1984PLC034632 Mumbai, Maharashtra, India
Manipal Finance Corporation Limited L65910KA1984PLC005988 Manipal, Karnataka, India
Art Housing Finance U64920DL2013PLC255432 New Delhi, Delhi, India
Tirupati Fincorp Limited L67120RJ1982PLC002438 Jaipur, Rajasthan, India
Svcl U71290DL1996PLC081376 New Delhi, Delhi, India
12

Who Uses This Report

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

Verify Finnable 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 Finnable: 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 55/100, 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 Finnable - 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 Finnable 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 Finnable - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Finnable an active company?

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

Is Finnable financially healthy?

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

Should I do business with Finnable?

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 Finnable?

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

Does Finnable have loans or charges against its assets?

39 open charge(s) are registered against its assets, and 6 earlier charge(s) stand satisfied.

Is Finnable 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 Finnable?

Its Credit Risk Score is 55/100 (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.