Gramin Micro Credit Foundation - Due diligence report

A 360° intelligence report on Gramin Micro Credit Foundation: trust score, financial health, credit view, compliance, directors, growth and …

2015-11-03 South West Delhi, Delhi Active Unlisted Active Compliant
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GM Gramin Micro Credit Foundation
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Gramin Micro Credit Foundation — 360° Intelligence Report

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

Gramin Micro Credit Foundation is assessed as Low Risk with a Trust Score of 82/100. Gramin Micro Credit Foundation is an active private not for profit company incorporated in 2015, operating in the Financial Services sector. Reported revenue has declined across its recent filed years. 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 10 Aug 2026 from the latest processed filings. Gramin Micro Credit Foundation 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
100/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
60/100
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 ScoreCaution Indicated
40/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
65/100
Early-warning signals - higher means fewer warnings.
03

Financial Intelligence Dashboard

Standalone · 4 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: 55/100 Moderate
  • Liabilities ≈ 38% EBITDA - stretched.
  • No open charges - unencumbered balance sheet.
  • Profitable - internal accruals available.

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

Compliance Score: 100/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
RAVI KUMAR 01234567 Director 01/04/2018 6 yrs Approved
KUMAR NEELENDU 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.
06

Ownership & Group Intelligence

As per FY 2017 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 40 · Distress 65
Growth signals & trust indicators
Operating for 10+ years.
Distress signals & risk flags
Revenue declined year-on-year.
Profit declined two years in a row.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence84/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • 2 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment68/100
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 view58/100
Mixed indicators
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 11 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
27 Mar 2019
Director ceased
MANDEEP SINGH MEHTA
21 Nov 2017
Director ceased
AMIT ARORA
29 Sep 2017
Director ceased
RAVI KUMAR
08 Mar 2017
Director ceased
SUJEET JAIN
Director ceased
PRABHAT JAIN
18 Feb 2017
Director appointed
RAVI KUMAR (Director)
01 Dec 2015
Director ceased
ANIRUDH GANGULY
03 Nov 2015
Incorporated
Registered with Roc Delhi
Director appointed
KUMAR NEELENDU (Director)
10

Key Observations

Auto-generated from the data above
Revenue declined 1.42 over the last 3 financial year(s).
Net profit margin moved from 2.1x to 24%.
Debt-to-equity stands at 0.86 - 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.
Promoters hold a dominant controlling stake as per the FY 2017 annual return.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Marv Consulting Private Limited U74140MH2009PTC190338 Mumbai, Maharashtra, India
Perumana Nidhi Limited U65929KL2018PLC056144 Downhill, Kerala, India
Narmada Packaging Industries Pvt Ltd U74950GJ1980PTC003759 Ahmedabad, Gujarat, India
R.C.R Chit Funds Private Limited U65992TN2003PTC051206 Chennai, Tamil Nadu, India
Vishnu Shri Shastha Chits (India) Private Limited U65992TZ2013PTC019433 Coimbatore, Tamil Nadu, India
Sea Zone Facilitation Private Limited U93000MH2001PTC130562 Mumbai, Maharashtra, India
Dsm Advisory Services Private Limited U93000DL2009PTC188702 Delhi, Delhi, India
Palani Chit Funds Private Limited U65992TZ1958PTC000285 Palani, Tamil Nadu, India
12

Who Uses This Report

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

Verify Gramin Micro Credit Foundation 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 Gramin Micro Credit 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: 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: Mixed indicators. Growth score 40/100, margin trends, ownership structure and peer set for Gramin Micro Credit Foundation - 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 Gramin Micro Credit 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 Gramin Micro Credit Foundation - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Gramin Micro Credit Foundation an active company?

Gramin Micro Credit Foundation has MCA status “Active” with a compliance score of 100/100 (Low Risk).

Is Gramin Micro Credit Foundation financially healthy?

Gramin Micro Credit Foundation has a Financial Health Score of 60/100 (Moderate) based on its filed financial statements.

Should I do business with Gramin Micro Credit Foundation?

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 Gramin Micro Credit Foundation?

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

Does Gramin Micro Credit Foundation have loans or charges against its assets?

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

Is Gramin Micro Credit Foundation 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 Gramin Micro Credit Foundation?

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.