First Fintec Limited - Due diligence report

A 360° intelligence report on First Fintec Limited: trust score, financial health, credit view, compliance, directors, growth and distress s…

2000-03-03 Mumbai, Maharashtra Active Listed Active Compliant
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FF First Fintec Limited
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First Fintec Limited — 360° Intelligence Report

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

First Fintec Limited is assessed as Moderate with a Trust Score of 56/100. First Fintec Limited is an active public limited indian non-government company incorporated in 2000, operating in the Education 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 high financial risk profile.

Report generated on 16 Jul 2026 from the latest processed filings. First Fintec Limited snapshot & full profile →

Financial Health › Neutral
Overall Assessment CautionWeakNeutralGoodStrong Good
Compliance › Neutral

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
53/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
45/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
55/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreCaution Indicated
45/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
70/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
55/100
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.
  • Working-capital cover adequate.
  • Profitable - internal accruals available.

Charges position: 1 open (1.30 cr) · 0 satisfied (-).

Banking relationships (from registered charges)
LenderChargesAmount
Bank Of Madura Limited1 48.0 cr
Compliance Score: 53/100 Moderate
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • Flagged by authority: SEBI, BSE.
  • Litigation present in 1 court forum(s).
  • 2 auditor resignation(s) filed - latest: NIRANJAN & NARAYAN CHARTERED ACCOUNTANTS on 2022-08-09.
  • 1 active GST registration(s).
Legal cases on record (1)
05

Director Intelligence

Stability score: 45/100
NameDIN / PANDesignationAppointedTenureDIN status
VEMPARALA SITARAMA SASTRY 01234567 Director 01/04/2018 6 yrs Approved
JANAKI RAO URRINKALA 01234567 Director 01/04/2018 6 yrs Approved
NILAYATTINGAL PHILBY PHILIP 01234567 Director 01/04/2018 6 yrs Approved
LEENA VIVEK HEBBAR 01234567 Director 01/04/2018 6 yrs Approved
RAJAN VASUDEVAN PILLAI 01234567 Director 01/04/2018 6 yrs Approved
Abhishek Waman Kotulkar 01234567 Director 01/04/2018 6 yrs Approved
Deepshikha Agrawal 01234567 Director 01/04/2018 6 yrs Approved
Urrinkala Saritha 01234567 Director 01/04/2018 6 yrs Approved
  • 8 directors on the board.
  • VEMPARALA SITARAMA SASTRY has DIN status "Deactivated due to non-filing of DIR-3 KYC".
  • 2 director exit(s) in the last 3 years.
  • 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
-
Group entities
-
Capital events
1 allotment(s) · 0 transfer(s)

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

Key managerial personnel: JANAKI RAO URRINKALA (CFO)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 70 · Distress 55
Growth signals & trust indicators
Revenue acceleration: +1.42 over 4 year(s).
Operating for 26+ years.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
Negative net worth.
Compliance score is weak (53/100).
1 open charge(s) registered - assets are encumbered.
2 auditor resignation(s) on record - review the stated reasons.
1 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence54/100
Review suggested
Suitability as a supplier / customer counterparty.
  • Check the compliance flags before onboarding.
  • 2 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment52/100
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 1.30 cr already registered.
  • Compliance gaps should be priced into terms.
Investor view58/100
Mixed indicators
Growth quality and scalability through an investor lens.
  • 1 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management churn warrants questions.
09

MCA Filings & Events Timeline

Latest 15 events
29 Sep 2025
Last AGM held
Annual general meeting
28 Sep 2025
Director ceased
Urrinkala Saritha
29 Aug 2025
Director appointed
Urrinkala Saritha (Director)
31 Mar 2025
Latest balance sheet
Filed with ROC
11 Feb 2025
Director appointed
Deepshikha Agrawal (Company Secretary)
29 Sep 2024
Director ceased
Abhishek Waman Kotulkar
30 Aug 2024
Director appointed
VEMPARALA SITARAMA SASTRY (Director)
Director appointed
Abhishek Waman Kotulkar (Director)
15 May 2023
Director appointed
NILAYATTINGAL PHILBY PHILIP (Company Secretary)
Director ceased
AJAYKUMAR RAMNAYAN VISHWAKARMA
08 Apr 2022
Director ceased
VIVEK ISHWAR HEBBAR
07 Apr 2022
Director ceased
RAJAN VASUDEVAN PILLAI
29 Sep 2021
Director ceased
RAJALAKSHMI RAVI SUBRAMANIAN
06 May 2019
Director ceased
JAGADISH VSAI BODDAPATI
09 Apr 2018
Director ceased
KOMARAVOLU KRISHNA
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.
8 active director(s) / partner(s); review board churn before relying on management continuity.
1 active GST registration(s) indicate ongoing business operations.
Promoters hold a majority 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 1 security allotment(s) - amounts available in the full report.
1 overseas direct investment(s) (ODI) on record - international footprint.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Sakthi Finance L65910TZ1955PLC000145 Coimbatore, Tamil Nadu, India
Zen Fincorp Private Limited U65910GJ1993PTC020251 Ahmedabad, Gujarat, India
Iihfl Sales Limited U74999MH2021PLC368361 Thane, Maharashtra, India
Bookmyforex U74999HR2011PTC043950 Gurgaon, Haryana, India
Sasvitha Home Finance U65999TN2017PLC117189 Chennai, Tamil Nadu, India
Eyantra Ventures Limited L72100TG1984PLC167149 Shaikpet, Telangana, India
Canbank Financial Services Limited U85110KA1987PLC008381 Na, Karnataka, India
Nexroot Solutions Private Limited U52100GJ2020PTC113872 Ahmedabad, Gujarat, India
12

Who Uses This Report

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

Verify First Fintec Limited before audits and certifications: compliance score 53/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of First Fintec 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: Mixed indicators. Growth score 70/100, margin trends, ownership structure and peer set for First Fintec 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 First Fintec Limited 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 First Fintec Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is First Fintec Limited an active company?

First Fintec Limited has MCA status “Active” with a compliance score of 53/100 (Moderate).

Is First Fintec Limited financially healthy?

First Fintec Limited has a Financial Health Score of 45/100 (Caution Indicated) based on its filed financial statements.

Should I do business with First Fintec 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 First Fintec Limited?

Promoters hold a majority stake - exact percentages are in the full report. 8 active director(s) are on record.

Does First Fintec Limited have loans or charges against its assets?

1 open charge(s) are registered against its assets.

Is First Fintec Limited up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 53/100 (Moderate).

Is it risky to lend to First Fintec 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.