F-Pay Communication Private Limited - Due diligence report

A 360° intelligence report on Fpay.Net.In: trust score, financial health, credit view, compliance, directors, growth and distress signals - …

2021-01-21 Amravati, Maharashtra Active Unlisted
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Fpay.Net.In — 360° Intelligence Report

Generated from MCA filings & public records
82/100
Trust Score
Low Risk

Fpay.Net.In is assessed as Low Risk with a Trust Score of 82/100. Fpay.Net.In is an active private limited indian non-government company incorporated in 2021, operating in the Financial Services sector. It was profitable in its latest filed year. Based on MCA filings and public records, it currently shows a low compliance risk and moderate financial risk profile.

Report generated on 09 Jul 2026 from the latest processed filings. F-Pay Communication Private Limited snapshot & full profile →

Financial Health › Good
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
82/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
90/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
65/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
45/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
70/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
80/100
Early-warning signals - higher means fewer warnings.
03

Financial Intelligence Dashboard

Standalone · 2 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: 45/100 Caution Indicated
  • Liabilities ≈ 38% EBITDA - stretched.
  • No open charges - unencumbered balance sheet.
  • Elevated gearing (D/E 1.42).
  • Profitable - internal accruals available.

Charges position: 0 open (-) · 0 satisfied (-).

Compliance Score: 90/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • 1 auditor resignation(s) filed - latest: BHUSHAN KHOT & CO on 2022-09-15.
  • 1 active GST registration(s).
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
MOHAMMAD FAIZAN 01234567 Director 01/04/2018 6 yrs Approved
SUNEHRA BANO MOHAMMAD AKHTAR 01234567 Director 01/04/2018 6 yrs Approved
  • 2 directors on the board.
  • No disqualified or deactivated DINs.
  • Stable board - no exits in 3 years.
  • Average tenure above 5 years.
Director & KMP remuneration (FY 2023)
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 2023 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
-

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

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 70 · Distress 80
Growth signals & trust indicators
Profit expanded 2.1x year-on-year.
Asset base grew 24% - capacity expansion.
Net margin improved to 0.86.
Operating for 5 years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Outside liabilities up 61% in a year.
1 auditor resignation(s) on record - review the stated reasons.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence85/100
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 assessment62/100
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 record supports lending.
Investor view71/100
Positive growth indicators
Growth quality and scalability through an investor lens.
  • 3 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 5 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
21 Jan 2021
Incorporated
Registered with Roc Nagpur
Director appointed
MOHAMMAD FAIZAN (Director)
Director appointed
SUNEHRA BANO MOHAMMAD AKHTAR (Director)
10

Key Observations

Auto-generated from the data above
Debt-to-equity stands at 38% - leverage worth monitoring.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
2 active director(s) / partner(s); board looks stable and experienced.
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 2023 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Greenocean Technology Private Limited U93000WB2016PTC209097 Kolkata, West Bengal, India
Kemp U74999DL2019FTC355042 Delhi, Delhi, India
Dafson'S Healthcare Solutions Private Limited U74999KA2018PTC116491 Hubli, Karnataka, India
Anuki Technologies Private Limited U72200AP2013PTC091545 Vijayawada, Andhra Pradesh, India
Toxsl Technologies U72900PB2012PTC036152 Mohali, Punjab, India
Entrar U80301KA2014PTC077047 Bangalore, Karnataka, India
Ascent Business Technology Inc U72200HR2017PTC070641 Gurgaon, Haryana, India
Contakt Tech Solutions India Private Limited U72900MH2002PTC134487 Mumbai, Maharashtra, India
12

Who Uses This Report

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

Verify Fpay.Net.In before audits and certifications: compliance score 90/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Fpay.Net.In: 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 45/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Positive growth indicators. Growth score 70/100, margin trends, ownership structure and peer set for Fpay.Net.In - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 82/100, distress signals and MSME payment-delay disclosures - know whether Fpay.Net.In 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 Fpay.Net.In - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Fpay.Net.In an active company?

Fpay.Net.In has MCA status “Active” with a compliance score of 90/100 (Low Risk).

Is Fpay.Net.In financially healthy?

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

Should I do business with Fpay.Net.In?

Its overall Trust Score is 82/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Fpay.Net.In?

Promoters hold a dominant controlling stake - exact percentages are in the full report. 2 active director(s) are on record.

Does Fpay.Net.In have loans or charges against its assets?

No charges are registered against this company - an unencumbered balance sheet.

Is Fpay.Net.In up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 90/100 (Low Risk).

Is it risky to lend to Fpay.Net.In?

Its Credit Risk Score is 45/100 (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.