Promoter holding
64.27%
FI
Futureage India Micro Credit Services - Due diligence report
A 360° intelligence report on Futureage India Micro Credit Services: trust score, financial health, credit view, compliance, directors, grow…
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Futureage India Micro Credit Services — 360° Intelligence Report
Generated from MCA filings & public records69/100
Trust Score
Moderate
Futureage India Micro Credit Services is assessed as Moderate with a Trust Score of 69/100. Futureage India Micro Credit Services is an active private not for profit company incorporated in 2014, 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 moderate financial risk profile.
Report generated on 29 Oct 2026 from the latest processed filings. Futureage India Micro Credit Services 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
69/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
68/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
65/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
40/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreModerate
55/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
75/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
65/100
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 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: 40/100 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.
- Externally credit-rated (Other Ratings).
Charges position: 19 open (10.05 cr) · 17 satisfied (10.15 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Others | 31 | 48.0 cr |
| Mas Financial Services Limited | 2 | 48.0 cr |
| Ananya Finance For Inclusive Growth Private Limited | 1 | 48.0 cr |
| Reliance Capital Ltd | 1 | 48.0 cr |
| Bankof Maharastra | 1 | 48.0 cr |
Compliance Score: 68/100 Moderate
- Company status is Active as per MCA.
- Last balance sheet is for Mar 2020 - filings overdue.
- Litigation present in 1 court forum(s).
Legal cases on record (1)
05
Director Intelligence
Stability score: 55/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| REKHA MAURYA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| VIJAY KUMAR MAURYA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| LALIT KRISHAN DHAM | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 3 directors on the board.
- LALIT KRISHAN DHAM has DIN status "Deactivated due to non-filing of DIR-3 KYC".
- Stable board - no exits in 3 years.
- Average tenure above 5 years.
Director & KMP remuneration (FY 2016)
| 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 2019 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
-
Group entities
-
Capital events
11 allotment(s) · 0 transfer(s)
Promoters hold a majority stake - exact percentages are part of the full report.
Key managerial personnel: VIJAY KUMAR MAURYA (Managing Director)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 75 · Distress 65
Growth signals & trust indicators
Revenue acceleration: +2.1x over 4 year(s).
Asset base grew 24% - capacity expansion.
Operating for 12+ years.
Active EPFO - real payroll on record.
Distress signals & risk flags
Revenue declined year-on-year.
Statutory filings appear overdue.
19 open charge(s) registered - assets are encumbered.
1 court case(s) on record - see the legal section for details.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence67/100
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 assessment54/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 19 open charge(s) of 10.05 cr already registered.
- Compliance gaps should be priced into terms.
Investor view70/100
Positive growth indicators
Growth quality and scalability through an investor lens.
- 2 growth signal(s) detected.
- Margin and return trends computable from filings.
- Management churn warrants questions.
09
MCA Filings & Events Timeline
Latest 15 events31 Dec 2020
Last AGM held
Annual general meeting
31 Mar 2020
Latest balance sheet
Filed with ROC
12 Nov 2019
Charge created
Others - 1.00 cr
29 Oct 2019
Director ceased
JAI RAM SARANGAL
02 Sep 2019
Director ceased
PREM CHANDRA VERMA
23 Aug 2019
Charge created
Others - 20.00 Lakh
11 Jul 2019
Charge created
Others - 30.00 Lakh
30 Apr 2019
Securities allotted
57500 Equity Shares Without Differential Rights - 5.75 Lakh raised
26 Mar 2019
Director ceased
SADANAND SINGH
15 Mar 2019
Charge created
Others - 30.00 Lakh
21 Jan 2019
Charge created
Others - 25.00 Lakh
31 Dec 2018
Charge created
Others - 1.00 cr
24 Dec 2018
Charge created
Others - 25.00 Lakh
16 Nov 2018
Charge created
Others - 25.00 Lakh
12 Nov 2018
Charge created
Others - 25.00 Lakh
10
Key Observations
Auto-generated from the data aboveRevenue 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 - leverage worth monitoring.
Net worth is positive.
3 active director(s) / partner(s); review board churn before relying on management continuity.
Carries an external credit rating of Other Ratings from Crisil.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a majority stake as per the FY 2019 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 11 security allotment(s) - amounts available in the full report.
| Company | CIN | Location |
|---|---|---|
| Shree Vikash Finvest Private Limited | U67110WB1991PTC050701 | Kolkata, West Bengal, India |
| Lilac Vanijya Pvt Ltd | U51909WB1995PTC070446 | Kolkata, West Bengal, India |
| Rajat Polypack Pvt. Ltd. | U51109WB1994PTC063638 | Kolkata, West Bengal, India |
| Vindhyanchal Finlease Private Limited | U65929DL1996PTC079905 | East Delhi, Delhi, India |
| Ruhy Leasing Co. Ltd. | U65910WB1985PLC038461 | Kolkata, West Bengal, India |
| Senex Marketing Pvt. Ltd. | U51109WB1995PTC070585 | Titagarh], West Bengal, India |
| Well Fin Securities Limited | U67120GJ1995PLC028446 | Ahmedabad, Gujarat, India |
| Rb Money Financial Services Private Limited | U74999DL1994PTC059790 | New Delhi, Delhi, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Futureage India Micro Credit Services before audits and certifications: compliance score 68/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Futureage India Micro Credit 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: Mixed indicators - deeper appraisal suggested. Credit risk score 40/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Positive growth indicators. Growth score 75/100, margin trends, ownership structure and peer set for Futureage India Micro Credit Services - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Review suggested. Trust score 69/100, distress signals and MSME payment-delay disclosures - know whether Futureage India Micro Credit 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 Futureage India Micro Credit Services - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Futureage India Micro Credit Services an active company?
Futureage India Micro Credit Services has MCA status “Active” with a compliance score of 68/100 (Moderate).
Is Futureage India Micro Credit Services financially healthy?
Futureage India Micro Credit Services has a Financial Health Score of 65/100 (Moderate) based on its filed financial statements.
Should I do business with Futureage India Micro Credit Services?
Its overall Trust Score is 69/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Futureage India Micro Credit Services?
Promoters hold a majority stake - exact percentages are in the full report. 3 active director(s) are on record.
Does Futureage India Micro Credit Services have loans or charges against its assets?
19 open charge(s) are registered against its assets, and 17 earlier charge(s) stand satisfied.
Is Futureage India Micro Credit Services up to date with its ROC filings?
Last balance sheet is for Mar 2020 - filings overdue. Overall compliance score: 68/100 (Moderate).
Is it risky to lend to Futureage India Micro Credit Services?
Its Credit Risk Score is 40/100 (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.
