Gouri Fincon & Development Co Pvt Ltd - Due diligence report

A 360° intelligence report on Gouri Fincon & Development Co Pvt Ltd: trust score, financial health, credit view, compliance, directors, grow…

1992-09-30 Kolkata, West Bengal Active Unlisted Active Compliant
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Gouri Fincon & Development Co Pvt Ltd — 360° Intelligence Report

Generated from MCA filings & public records
86/100
Trust Score
Low Risk

Gouri Fincon & Development Co Pvt Ltd is assessed as Low Risk with a Trust Score of 86/100. Gouri Fincon & Development Co Pvt Ltd is an active private limited indian non-government company incorporated in 1992, operating in the Real Estate and Construction sector. The company has shown revenue growth across its recent filed years. It reported a loss 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 06 Jul 2026 from the latest processed filings. Gouri Fincon & Development Co Pvt Ltd 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
86/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
100/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
65/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
55/100
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
75/100
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.

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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: 55/100 Moderate
  • Negative operating earnings - debt service depends on external support.
  • Moderate gearing (D/E 38%).
  • Working-capital cover adequate.

Charges position: 1 open (10.00 Lakh) · 0 satisfied (-).

Banking relationships (from registered charges)
LenderChargesAmount
Vijaya Bank1 48.0 cr
Compliance Score: 100/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • 1 active GST registration(s).
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
UMESH KUMAR CHAMRIA 01234567 Director 01/04/2018 6 yrs Approved
SATYAVRAT MOHANLAL BHOJNAGARWALA 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 2022)
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 2022 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
-

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 70 · Distress 75
Growth signals & trust indicators
Revenue acceleration: +1.42 over 4 year(s).
Operating for 33+ years.
Active GST registration(s).
Distress signals & risk flags
Losses deepening year-on-year.
1 open charge(s) registered - assets are encumbered.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence88/100
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 assessment69/100
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 10.00 Lakh already registered.
  • Compliance record supports lending.
Investor view72/100
Positive growth indicators
Growth quality and scalability through an investor lens.
  • 1 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 6 events
29 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
20 May 2002
Charge created
Vijaya Bank - 10.00 Lakh
30 Sep 1992
Incorporated
Registered with Roc Kolkata
Director appointed
UMESH KUMAR CHAMRIA (Director)
Director appointed
SATYAVRAT MOHANLAL BHOJNAGARWALA (Director)
10

Key Observations

Auto-generated from the data above
Revenue grew 2.1x over the last 4 financial year(s).
Debt-to-equity stands at 24% - manageable leverage.
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.
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
Oprs Estates Private Limited U70109WB1996PTC079840 Kolkata, West Bengal, India
Sagun Viniyog Private Limited U51109WB2005PTC101726 Kolkata, West Bengal, India
Rhams Real Estate Private Limited U70102UP2011PTC046422 Agra, Uttar Pradesh, India
Pci Ferrmone Chemicals (India) Private Limited U24200MH1986PTC041691 Mumbai, Maharashtra, India
Mvk Properties U70109MH2017PTC300683 Mumbai, Maharashtra, India
Nayaab Fabrications Private Limited U27310UP2013PTC057578 Noida, Uttar Pradesh, India
Paras Buildhome Private Limited U70101RJ2005PTC021255 Jaipur, Rajasthan, India
Minu Financial Services Pvt Ltd U45400WB1989PTC046057 Kolkata, West Bengal, India
12

Who Uses This Report

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

Verify Gouri Fincon & Development Co Pvt Ltd before audits and certifications: compliance score 100/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Gouri Fincon & Development Co Pvt Ltd: 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: Positive growth indicators. Growth score 70/100, margin trends, ownership structure and peer set for Gouri Fincon & Development Co Pvt Ltd - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 86/100, distress signals and MSME payment-delay disclosures - know whether Gouri Fincon & Development Co Pvt Ltd 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 Gouri Fincon & Development Co Pvt Ltd - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Gouri Fincon & Development Co Pvt Ltd an active company?

Gouri Fincon & Development Co Pvt Ltd has MCA status “Active” with a compliance score of 100/100 (Low Risk).

Is Gouri Fincon & Development Co Pvt Ltd financially healthy?

Gouri Fincon & Development Co Pvt Ltd has a Financial Health Score of 65/100 (Moderate) based on its filed financial statements.

Should I do business with Gouri Fincon & Development Co Pvt Ltd?

Its overall Trust Score is 86/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Gouri Fincon & Development Co Pvt Ltd?

See the directors and ownership sections above for board and shareholding detail. 2 active director(s) are on record.

Does Gouri Fincon & Development Co Pvt Ltd have loans or charges against its assets?

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

Is Gouri Fincon & Development Co Pvt Ltd up to date with its ROC filings?

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

Is it risky to lend to Gouri Fincon & Development Co Pvt Ltd?

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.