Promoter holding
64.27%
GM
Grameenindia Microfinance Foundation - Due diligence report
A 360° intelligence report on Grameenindia Microfinance Foundation: trust score, financial health, credit view, compliance, directors, growt…
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Grameenindia Microfinance Foundation — 360° Intelligence Report
Generated from MCA filings & public records57/100
Trust Score
Moderate
Grameenindia Microfinance Foundation is assessed as Moderate with a Trust Score of 57/100. Grameenindia Microfinance Foundation is an active private not for profit company incorporated in 2010, operating in the Financial Services sector. Reported revenue has declined 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 high financial risk profile.
Report generated on 18 Jul 2026 from the latest processed filings. Grameenindia Microfinance Foundation 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
57/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
75/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
10/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
50/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreCaution Indicated
40/100
Revenue, profit, asset and hiring momentum.
Distress ScoreCaution Indicated
30/100
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.
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: 50/100 Moderate
- Negative operating earnings - debt service depends on external support.
- No open charges - unencumbered balance sheet.
- Working-capital cover adequate.
Charges position: 0 open (-) · 0 satisfied (-).
Compliance Score: 75/100 Low Risk
- Company status is Active as per MCA.
- Last balance sheet is for Mar 2020 - filings overdue.
05
Director Intelligence
Stability score: 95/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| SUKHBIR SINGH SIDHU | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| MAHINDER SINGH SIDHU | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| JAPJI KAUR CHEEMA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| EKROOP SIDHU | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 4 directors on the board.
- No disqualified or deactivated DINs.
- Stable board - no exits in 3 years.
- Average tenure above 5 years.
06
Ownership & Group Intelligence
As per FY 2017 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
-
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 40 · Distress 30
Growth signals & trust indicators
Operating for 15+ years.
Distress signals & risk flags
Revenue declined year-on-year.
Losses deepening year-on-year.
Negative net worth.
Statutory filings appear overdue.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence56/100
Review suggested
Suitability as a supplier / customer counterparty.
- Statutory record is clean.
- 4 distress signal(s) - see Risk Center.
- Financial filings available for verification.
Banker assessment44/100
Enhanced diligence advised
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 view34/100
Limited indicators at present
Growth quality and scalability through an investor lens.
- No clear growth signals in the filed years.
- Margin and return trends computable from filings.
- Management team looks stable.
09
MCA Filings & Events Timeline
Latest 9 events31 Dec 2020
Last AGM held
Annual general meeting
17 Jun 2020
Director ceased
SUKHBIR SINGH SIDHU
15 Jun 2020
Director ceased
MAHINDER SINGH SIDHU
31 Mar 2020
Latest balance sheet
Filed with ROC
17 Jan 2012
Director appointed
SUKHBIR SINGH SIDHU (Director)
Director appointed
MAHINDER SINGH SIDHU (Director)
09 Sep 2010
Incorporated
Registered with Roc Chandigarh
Director appointed
JAPJI KAUR CHEEMA (Director)
Director appointed
EKROOP SIDHU (Director)
10
Key Observations
Auto-generated from the data aboveRevenue declined 38% over the last 1 financial year(s).
Net profit margin moved from 1.42 to 2.1x.
Compliance record is strong - status, filings and flags are clean.
4 active director(s) / partner(s); board looks stable and experienced.
Promoters hold a dominant controlling stake as per the FY 2017 annual return.
| Company | CIN | Location |
|---|---|---|
| Vkc Finsoft Solutions Private Limited | U67190TN2000PTC044187 | Chennai, Tamil Nadu, India |
| Sidhu Leasing And Financing Company Limited | U74900WB1983PLC259017 | Kolkata, West Bengal, India |
| Amritsidhi Dealer Private Limited | U51101WB2010PTC144253 | Kolkata, West Bengal, India |
| Vansh Merchant Private Limited | U51900WB2008PTC129957 | Kolkata, West Bengal, India |
| Buddha Micro Credits Foundation | U65929UP2016NPL085886 | Sadar, Uttar Pradesh, India |
| Ashwathama Investment Pvt Ltd | U65993MH1997PTC066087 | Ahmednagar, Maharashtra, India |
| Yellow Velley Leasing And Finance Limited | U67120DL1984PLC018731 | New Delhi, Delhi, India |
| Honest Basera Private Limited | U74140WB2010PTC151244 | Kolkata, West Bengal, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Grameenindia Microfinance Foundation before audits and certifications: compliance score 75/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Grameenindia Microfinance Foundation: 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: Enhanced diligence advised. Credit risk score 50/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Limited indicators at present. Growth score 40/100, margin trends, ownership structure and peer set for Grameenindia Microfinance Foundation - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Review suggested. Trust score 57/100, distress signals and MSME payment-delay disclosures - know whether Grameenindia Microfinance Foundation 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 Grameenindia Microfinance Foundation - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Grameenindia Microfinance Foundation an active company?
Grameenindia Microfinance Foundation has MCA status “Active” with a compliance score of 75/100 (Low Risk).
Is Grameenindia Microfinance Foundation financially healthy?
Grameenindia Microfinance Foundation has a Financial Health Score of 10/100 (Caution Indicated) based on its filed financial statements.
Should I do business with Grameenindia Microfinance Foundation?
Its overall Trust Score is 57/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Grameenindia Microfinance Foundation?
Promoters hold a dominant controlling stake - exact percentages are in the full report. 4 active director(s) are on record.
Does Grameenindia Microfinance Foundation have loans or charges against its assets?
No charges are registered against this company - an unencumbered balance sheet.
Is Grameenindia Microfinance Foundation up to date with its ROC filings?
Last balance sheet is for Mar 2020 - filings overdue. Overall compliance score: 75/100 (Low Risk).
Is it risky to lend to Grameenindia Microfinance Foundation?
Its Credit Risk Score is 50/100 (Moderate). Banker verdict: Enhanced diligence advised.
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.
