Promoter holding
64.27%
FI
Finopaytech - Due diligence report
A 360° intelligence report on Finopaytech: trust score, financial health, credit view, compliance, directors, growth and distress signals - …
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Finopaytech — 360° Intelligence Report
Generated from MCA filings & public records73/100
Trust Score
Moderate
Finopaytech is assessed as Moderate with a Trust Score of 73/100. Finopaytech is an active public limited indian non-government company incorporated in 2006, 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 05 Oct 2026 from the latest processed filings. Fino Paytech 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 ScoreModerate
73/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
64/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
85/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
55/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreCaution Indicated
40/100
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: 55/100 Moderate
- Liabilities ≈ 38% EBITDA - stretched.
- Profitable - internal accruals available.
- Externally credit-rated (A4).
Charges position: 1 open (18.58 Lakh) · 12 satisfied (270.21 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Punjab National Bank | 3 | 48.0 cr |
| Yes Bank Limited | 8 | 48.0 cr |
| State Bank Of India | 1 | 48.0 cr |
| Icici Bank Limited | 1 | 48.0 cr |
Compliance Score: 64/100 Moderate
- Company status is Active as per MCA.
- Balance sheet slightly behind (Mar 2025).
- Litigation present in 2 court forum(s).
- 1 auditor resignation(s) filed - latest: M S K A & ASSOCIATES on 2022-08-26.
- 18 active GST registration(s).
Legal cases on record (2)
05
Director Intelligence
Stability score: 40/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| APURVA PRADEEP JOSHI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SURESH BALASUBRAMANIAN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Suraj Rajendra Gujja | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| MANOJ HEDA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| RAJEEV DEORAS | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SIVAKUMAR KRISHNAMURTHY | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| PRATEEK ROONGTA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Kamal Kant | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| AMIT KUMAR JAIN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Suresh Balasubramanian | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 10 directors on the board.
- SIVAKUMAR KRISHNAMURTHY has DIN status "Deactivated due to non-filing of DIR-3 KYC".
- 1 director exit(s) in the last 3 years.
Director & KMP remuneration (FY 2024)
| 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 2024 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
4
Group entities
4
Capital events
71 allotment(s) · 1 transfer(s)
| Group entity | Relationship | % held |
|---|---|---|
| Fino Finance Private Limited | Subsidiary Company | 74.00% |
| Fino Financial Services Private Limited | Subsidiary Company | 74.00% |
| Fino Trusteeship Services Limited | Subsidiary Company | 74.00% |
| Fino Payments Bank Limited | Subsidiary Company | 74.00% |
Key managerial personnel: SURESH BALASUBRAMANIAN (CFO) · AMIT KUMAR JAIN (Whole-time director)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 95 · Distress 80
Growth signals & trust indicators
Revenue acceleration: +1.42 over 4 year(s).
Latest year revenue grew 2.1x.
Profit expanded 24% year-on-year.
Asset base grew 0.86 - capacity expansion.
Net margin improved to 61%.
Operating for 20+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Outside liabilities up 38% in a year.
1 open charge(s) registered - assets are encumbered.
1 auditor resignation(s) on record - review the stated reasons.
2 court case(s) on record - see the legal section for details.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence72/100
Favourable indicators
Suitability as a supplier / customer counterparty.
- Check the compliance flags before onboarding.
- 1 distress signal(s) - see Risk Center.
- Financial filings available for verification.
Banker assessment66/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 1 open charge(s) of 18.58 Lakh already registered.
- Compliance gaps should be priced into terms.
Investor view86/100
Positive growth indicators
Growth quality and scalability through an investor lens.
- 5 growth signal(s) detected.
- Margin and return trends computable from filings.
- Management churn warrants questions.
09
MCA Filings & Events Timeline
Latest 15 events14 Jul 2026
Director appointed
Kamal Kant (Nominee Director)
20 Nov 2025
Director appointed
SIVAKUMAR KRISHNAMURTHY (Director)
29 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
07 Feb 2025
Director appointed
Suresh Balasubramanian (Cfo)
27 Jan 2025
Director appointed
SURESH BALASUBRAMANIAN (CFO)
17 Sep 2024
Director ceased
MARCUS PETER STRUTT THOMPSON
04 Jun 2024
Charge satisfied
Yes Bank Limited
22 May 2024
Charge satisfied
Yes Bank Limited
09 May 2024
Charge satisfied
State Bank Of India
26 Apr 2024
Charge satisfied
Punjab National Bank
10 Jul 2023
Director appointed
Suraj Rajendra Gujja (Company Secretary)
28 Nov 2022
Director ceased
SUDEEP GUPTA
25 Nov 2022
Director appointed
APURVA PRADEEP JOSHI (Director)
Director appointed
RAJEEV DEORAS (Director)
10
Key Observations
Auto-generated from the data aboveRevenue grew 1.42 over the last 4 financial year(s).
Net profit margin moved from 2.1x to 24%.
Debt-to-equity stands at 0.86 - leverage worth monitoring.
Net worth is positive.
10 active director(s) / partner(s); review board churn before relying on management continuity.
18 active GST registration(s) indicate ongoing business operations.
Operates a group structure with 4 subsidiary(ies) - assess on a consolidated basis.
Carries an external credit rating of A4 from Indiarating.
EPFO-registered employer - verifiable payroll history exists.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 71 security allotment(s) - amounts available in the full report.
| Company | CIN | Location |
|---|---|---|
| Prismx Global Ventures | L74110MH1973PLC016243 | Mumbai, Maharashtra, India |
| Kedia Trade & Agencies Pvt Ltd | U51219WB1981PTC033246 | Kolkata, West Bengal, India |
| Real Touch Finance | L01111WB1997PLC085164 | Howrah, West Bengal, India |
| Asl Investments Private Limited | U67120DL1992PTC102461 | New Delhi, Delhi, India |
| Jindal Photo Limited | L33209UP2004PLC095076 | Gulaothi, Uttar Pradesh, India |
| Sri Gbk Resources Private Limited | U67120WB1992PTC056711 | Kolkata, West Bengal, India |
| Indo-City | L51900MH1992PLC068670 | Mumbai, Maharashtra, India |
| Msei | U65999MH2008PLC185856 | Mumbai, Maharashtra, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Finopaytech before audits and certifications: compliance score 64/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Finopaytech: 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: Positive growth indicators. Growth score 95/100, margin trends, ownership structure and peer set for Finopaytech - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Favourable indicators. Trust score 73/100, distress signals and MSME payment-delay disclosures - know whether Finopaytech 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 Finopaytech - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Finopaytech an active company?
Finopaytech has MCA status “Active” with a compliance score of 64/100 (Moderate).
Is Finopaytech financially healthy?
Finopaytech has a Financial Health Score of 85/100 (Low Risk) based on its filed financial statements.
Should I do business with Finopaytech?
Its overall Trust Score is 73/100 (Moderate). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Finopaytech?
See the directors and ownership sections above for board and shareholding detail. 10 active director(s) are on record.
Does Finopaytech have loans or charges against its assets?
1 open charge(s) are registered against its assets, and 12 earlier charge(s) stand satisfied.
Is Finopaytech up to date with its ROC filings?
Balance sheet slightly behind (Mar 2025). Overall compliance score: 64/100 (Moderate).
Is it risky to lend to Finopaytech?
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.
