Fraternal Credit And Financial Services Ltd - Due diligence report

A 360° intelligence report on Fraternal Credit & Financial Services: trust score, financial health, credit view, compliance, directors, grow…

1994-10-11 Irinjalakuda, Kerala Active Unlisted Active Compliant
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FC Fraternal Credit And Financial Services Ltd
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Fraternal Credit & Financial Services — 360° Intelligence Report

Generated from MCA filings & public records
94/100
Trust Score
Low Risk

Fraternal Credit & Financial Services is assessed as Low Risk with a Trust Score of 94/100. Fraternal Credit & Financial Services is an active public limited indian non-government company incorporated in 1994, 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 low financial risk profile.

Report generated on 17 Jul 2026 from the latest processed filings. Fraternal Credit And Financial Services Ltd 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
94/100
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
70/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
65/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
90/100
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: 70/100 Moderate
  • Liabilities ≈ 38% EBITDA - stretched.
  • No open charges - unencumbered balance sheet.
  • Moderate gearing (D/E 1.42).
  • Working-capital cover adequate.
  • Profitable - internal accruals available.

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

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).
  • 1 active GST registration(s).
Legal cases on record (1)
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
SEBASTIAN JOICE 01234567 Director 01/04/2018 6 yrs Approved
UNNIKRISHNAN MELEDATH 01234567 Director 01/04/2018 6 yrs Approved
KANJIRAPARAMBIL PARAMU SUJITH 01234567 Director 01/04/2018 6 yrs Approved
JAYAPRAKASH KALATHIL BALAKRISHNAN 01234567 Director 01/04/2018 6 yrs Approved
PANDARAPARAMBIL APPU CHANDRAN 01234567 Director 01/04/2018 6 yrs Approved
GEOGY JOHN 01234567 Director 01/04/2018 6 yrs Approved
MANGALADAS MADATHIL 01234567 Director 01/04/2018 6 yrs Approved
SINDHU AJAYKUMAR 01234567 Director 01/04/2018 6 yrs Approved
CHAKKALAMATTAM PETER FRANCIS 01234567 Director 01/04/2018 6 yrs Approved
JAYACHANDRAN PONATHIL NARAYANAN 01234567 Director 01/04/2018 6 yrs Approved
SAJEENDRAN CHEERAKUZHY BALAKRISHNAN 01234567 Director 01/04/2018 6 yrs Approved
THRESSIA THOMAS 01234567 Director 01/04/2018 6 yrs Approved
PRABHAKARAN VALIYAPARAMBIL NARAYANAN 01234567 Director 01/04/2018 6 yrs Approved
KATTOOR KARUVAN RAMAKRISHNAN HARIDAS 01234567 Director 01/04/2018 6 yrs Approved
  • 14 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 2017)
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 2018 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
4 allotment(s) · 0 transfer(s)

Key managerial personnel: KANJIRAPARAMBIL PARAMU SUJITH (Managing Director)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 65 · Distress 90
Growth signals & trust indicators
Profit expanded 2.1x year-on-year.
Net margin improved to 24%.
Operating for 31+ years.
Active GST registration(s).
Distress signals & risk flags
1 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence92/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • No distress signals on file.
  • Financial filings available for verification.
Banker assessment83/100
Favourable lending indicators
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 view83/100
Positive growth indicators
Growth quality and scalability through an investor lens.
  • 2 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 15 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
30 Sep 2019
Director ceased
CHAKKALAMATTAM PETER FRANCIS
25 Mar 2019
Director ceased
VINODAN NANDLATHU PARAMBIL KUNJIVELAYUDHAN
07 Jul 2018
Director appointed
CHAKKALAMATTAM PETER FRANCIS (Director)
01 Jul 2017
Director ceased
KANJIRAPARAMBIL PARAMU SUJITH
Director ceased
JAYACHANDRAN PONATHIL NARAYANAN
04 Mar 2017
Securities allotted
365000 Equity Shares Without Differential Rights - 36.50 Lakh raised
24 Jan 2017
Securities allotted
535000 Equity Shares Without Differential Rights - 53.50 Lakh raised
01 Nov 2016
Securities allotted
600000 Equity Shares Without Differential Rights - 60.00 Lakh raised
01 Mar 2015
Director appointed
UNNIKRISHNAN MELEDATH (Director)
10 Jul 2013
Director ceased
SEBASTIAN JOICE
Director ceased
SAJEENDRAN CHEERAKUZHY BALAKRISHNAN
25 May 2013
Director appointed
SEBASTIAN JOICE (Director)
02 Feb 2013
Director appointed
JAYACHANDRAN PONATHIL NARAYANAN (Director)
10

Key Observations

Auto-generated from the data above
Revenue grew 0.86 over the last 4 financial year(s).
Net profit margin moved from 61% to 38%.
Debt-to-equity stands at 1.42 - manageable leverage.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
14 active director(s) / partner(s); board looks stable and experienced.
1 active GST registration(s) indicate ongoing business operations.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 4 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Sudhathri Chit Funds Private Limited U65992TG2016PTC102623 Hanamkonda, Telangana, India
Harita Gopal Private Limited U74110TN1981PTC008791 Chennai - 600 006, Tamil Nadu, India
Insta Finance Limited L74140GJ1990PLC014078 Vadodara, Gujarat, India
Prowess Financial Services Private Limited U65191MH1997PTC106146 Mumbai, Maharashtra, India
Neelkanth Tradelink Private Limited U51101DL2007PTC158785 New Delhi, Delhi, India
Skm Capital & Holdings Private Limited U65944MH1983PTC031087 Mumbai, Maharashtra, India
Srgk Financial Services Private Limited U65100DL1993PTC175513 New Delhi, Delhi, India
Kovil Nagaram Benefit Fund Nidhi Limited U65900TN2011PLC082294 Kumbakonam, Tamil Nadu, India
12

Who Uses This Report

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

Verify Fraternal Credit & Financial Services 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 Fraternal Credit & Financial Services: 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 70/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Positive growth indicators. Growth score 65/100, margin trends, ownership structure and peer set for Fraternal Credit & Financial Services - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 94/100, distress signals and MSME payment-delay disclosures - know whether Fraternal Credit & Financial Services 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 Fraternal Credit & Financial Services - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Fraternal Credit & Financial Services an active company?

Fraternal Credit & Financial Services has MCA status “Active” with a compliance score of 93/100 (Low Risk).

Is Fraternal Credit & Financial Services financially healthy?

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

Should I do business with Fraternal Credit & Financial Services?

Its overall Trust Score is 94/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Fraternal Credit & Financial Services?

See the directors and ownership sections above for board and shareholding detail. 14 active director(s) are on record.

Does Fraternal Credit & Financial Services have loans or charges against its assets?

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

Is Fraternal Credit & Financial Services 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 Fraternal Credit & Financial Services?

Its Credit Risk Score is 70/100 (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.