First Overseas Capital Limited - Due diligence report

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

1998-03-23 Mumbai, Maharashtra Active Unlisted Active Compliant
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FO First Overseas Capital Limited
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Focl — 360° Intelligence Report

Generated from MCA filings & public records
63/100
Trust Score
Moderate

Focl is assessed as Moderate with a Trust Score of 63/100. Focl is an active public limited indian non-government company incorporated in 1998, operating in the Financial Services sector. Reported revenue has declined across its recent filed years. It was profitable in its latest filed year. Based on MCA filings and public records, it currently shows a high compliance risk and moderate financial risk profile.

Report generated on 21 Jul 2026 from the latest processed filings. First Overseas Capital Limited snapshot & full profile →

Financial Health › Good
Overall Assessment CautionWeakNeutralGoodStrong Good
Compliance › Weak

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
63/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
44/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
65/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
35/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreModerate
55/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
55/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
75/100
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.

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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: 35/100 Caution Indicated
  • Liabilities ≈ 38% EBITDA - stretched.
  • Open charges exceed net worth - secured lenders rank ahead.
  • Elevated gearing (D/E 1.42).
  • Working-capital cover adequate.
  • Profitable - internal accruals available.

Charges position: 1 open (2.85 cr) · 0 satisfied (-).

Banking relationships (from registered charges)
LenderChargesAmount
Axis Bank Limited1 48.0 cr
Compliance Score: 44/100 Caution Indicated
  • Company status is Active as per MCA.
  • Balance sheet slightly behind (Mar 2024).
  • Flagged by authority: DRT, OFFICIAL LIQUIDATOR, DSE.
  • Litigation present in 2 court forum(s).
  • 1 active GST registration(s).
Legal cases on record (2)
05

Director Intelligence

Stability score: 55/100
NameDIN / PANDesignationAppointedTenureDIN status
PUJA SATYEN DALAL 01234567 Director 01/04/2018 6 yrs Approved
DEVANSHU PRAVIN DESAI 01234567 Director 01/04/2018 6 yrs Approved
PRATUL NARENDRA DALAL 01234567 Director 01/04/2018 6 yrs Approved
SATYEN BHUPENDRA DALAL 01234567 Director 01/04/2018 6 yrs Approved
Satyen Bhupendra Dalal 01234567 Director 01/04/2018 6 yrs Approved
  • 5 directors on the board.
  • PUJA SATYEN DALAL 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 2021 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
Chasam Investment And Leasing Pvt Ltd
Subsidiaries
-
Group entities
-
Capital events
16 allotment(s) · 0 transfer(s)

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

Group entityRelationship% held
Western Fund Advisory Services Private Limited Subsidiary Company 74.00%
Chasam Investment And Leasing Pvt Ltd Holding Company 74.00%
Stanford Securities Private Limited Subsidiary Company 74.00%

Key managerial personnel: SATYEN BHUPENDRA DALAL (CFO)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 55 · Distress 75
Growth signals & trust indicators
Profit expanded 2.1x year-on-year.
Net margin improved to 24%.
Operating for 28+ years.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
Compliance score is weak (44/100).
1 open charge(s) registered - assets are encumbered.
2 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence59/100
Review suggested
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 assessment46/100
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 2.85 cr already registered.
  • Compliance gaps should be priced into terms.
Investor view60/100
Mixed indicators
Growth quality and scalability through an investor lens.
  • 2 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management churn warrants questions.
09

MCA Filings & Events Timeline

Latest 15 events
17 Jan 2025
Charge created
Axis Bank Limited - 2.85 cr
30 Sep 2024
Last AGM held
Annual general meeting
31 Mar 2024
Latest balance sheet
Filed with ROC
20 Jan 2024
Director appointed
Satyen Bhupendra Dalal (Cfo)
25 Mar 2023
Director appointed
SATYEN BHUPENDRA DALAL (CFO)
01 Dec 2022
Securities allotted
2500000 Preference Shares - 2.50 cr raised
28 Nov 2022
Securities allotted
1500000 Preference Shares - 1.50 cr raised
30 Aug 2022
Director ceased
DEVANSHU PRAVIN DESAI
Director ceased
PRATUL NARENDRA DALAL
12 Aug 2022
Securities allotted
500000 Preference Shares - 50.00 Lakh raised
11 Aug 2022
Securities allotted
1000000 Preference Shares - 1.00 cr raised
10 Aug 2022
Securities allotted
500000 Preference Shares - 50.00 Lakh raised
08 Aug 2022
Securities allotted
500000 Preference Shares - 50.00 Lakh raised
05 Aug 2022
Securities allotted
1000000 Preference Shares - 1.00 cr raised
22 Sep 2021
Securities allotted
1500000 Equity Shares Without Differential Rights - 3.00 cr raised
10

Key Observations

Auto-generated from the data above
Revenue declined 0.86 over the last 4 financial year(s).
Net profit margin moved from 61% to 38%.
Debt-to-equity stands at 1.42 - leverage worth monitoring.
Net worth is positive.
5 active director(s) / partner(s); review board churn before relying on management continuity.
1 active GST registration(s) indicate ongoing business operations.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a dominant controlling stake as per the FY 2021 annual return.
Capital has been raised through 16 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Haven Financial Services Private Limited U67190MH1993PTC071925 Mumbai, Maharashtra, India
Satco Wealth U70101MH1987PTC045107 Mumbai, Maharashtra, India
Thefinancialmall Private Limited U74999DL2016PTC300096 Delhi, Delhi, India
Taurus Stock Broking Private Limited U67120MH2001PTC132215 Mumbai, Maharashtra, India
Pinnacle Financial And Investments Services Private Limited U24230MH1979PTC021396 Mumbai, Maharashtra, India
Anjaney Stock Broking Limited U67120WB2005PLC103839 Kolkata, West Bengal, India
Sai Krupa Financial Solutions Private Limited U74140GJ2011PTC066971 Ahmedabad, Gujarat, India
Sspl Homes Private Limited U45400TN2000PTC043979 Chennai, Tamil Nadu, India
12

Who Uses This Report

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

Verify Focl before audits and certifications: compliance score 44/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Focl: 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 35/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Mixed indicators. Growth score 55/100, margin trends, ownership structure and peer set for Focl - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Review suggested. Trust score 63/100, distress signals and MSME payment-delay disclosures - know whether Focl 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 Focl - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Focl an active company?

Focl has MCA status “Active” with a compliance score of 44/100 (Caution Indicated).

Is Focl financially healthy?

Focl has a Financial Health Score of 65/100 (Moderate) based on its filed financial statements.

Should I do business with Focl?

Its overall Trust Score is 63/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Focl?

The ultimate holding entity is Chasam Investment And Leasing Pvt Ltd. 5 active director(s) are on record.

Does Focl have loans or charges against its assets?

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

Is Focl up to date with its ROC filings?

Balance sheet slightly behind (Mar 2024). Overall compliance score: 44/100 (Caution Indicated).

Is it risky to lend to Focl?

Its Credit Risk Score is 35/100 (Caution Indicated). 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.