Gupta Commerce Pvt Ltd - Due diligence report

A 360° intelligence report on Gupta Commerce Pvt Ltd: trust score, financial health, credit view, compliance, directors, growth and distress…

1982-07-03 Mumbai, Maharashtra Active Unlisted Active Compliant
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Gupta Commerce Pvt Ltd — 360° Intelligence Report

Generated from MCA filings & public records
87/100
Trust Score
Low Risk

Gupta Commerce Pvt Ltd is assessed as Low Risk with a Trust Score of 87/100. Gupta Commerce Pvt Ltd is an active private limited indian non-government company incorporated in 1982, 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 low financial risk profile.

Report generated on 16 Jul 2026 from the latest processed filings. Gupta Commerce Pvt 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
87/100
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
80/100
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
45/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
70/100
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: 50/100 Moderate
  • Negative operating earnings - debt service depends on external support.
  • No open charges - unencumbered balance sheet.
  • Elevated gearing (D/E 38%).
  • 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
SUDHA PREM GUPTA 01234567 Director 01/04/2018 6 yrs Approved
SHEETAL PANKAJ GUPTA 01234567 Director 01/04/2018 6 yrs Approved
PANKAJ PREM GUPTA 01234567 Director 01/04/2018 6 yrs Approved
  • 3 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 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
0 allotment(s) · 1 transfer(s)

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 45 · Distress 70
Growth signals & trust indicators
Asset base grew 1.42 - capacity expansion.
Operating for 44+ years.
Active GST registration(s).
Distress signals & risk flags
Profit declined two years in a row.
Outside liabilities up 2.1x in a year.
1 court case(s) on record - see the legal section for details.
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 assessment70/100
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 view68/100
Mixed 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 8 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
16 Nov 2021
Director appointed
SHEETAL PANKAJ GUPTA (Director)
31 Mar 2016
Share transfer (FY 2016)
100.00000000 shares to PREM GUPTA
14 Nov 2014
Director ceased
PREM RATTAN GUPTA
25 Jul 1997
Director appointed
PANKAJ PREM GUPTA (Director)
03 Jul 1982
Incorporated
Registered with Roc Mumbai
Director appointed
SUDHA PREM GUPTA (Director)
10

Key Observations

Auto-generated from the data above
Revenue declined 24% over the last 4 financial year(s).
Net profit margin moved from 0.86 to 61%.
Debt-to-equity stands at 38% - leverage worth monitoring.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
3 active director(s) / partner(s); board looks stable and experienced.
1 active GST registration(s) indicate ongoing business operations.
Promoters hold a dominant controlling stake as per the FY 2022 annual return.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Ldm Services Private Limited U74999DL2018PTC340460 New Delhi, Delhi, India
Ubfc U66000DL1993PTC302037 New Delhi, Delhi, India
Advert Holdings Private Limited U74899DL1994PTC057935 New Delhi, Delhi, India
Shiva Hirelease Limited U65921DL1987PLC357005 New Delhi, Delhi, India
Chamundi Credit And Finance Limited U85110KA1982PLC004739 Bangalore, Karnataka, India
Smile Finvest Private Limited U45202DL1999PTC100943 New Delhi, Delhi, India
Neelkanth Lease Finance Limited U65910GJ1989PLC011857 Bharuch, Gujarat, India
Makarjyothi Gold Finvest Private Limited U65923PN1994PTC155576 Pune, Maharashtra, India
12

Who Uses This Report

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

Verify Gupta Commerce Pvt Ltd 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 Gupta Commerce 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: Favourable lending indicators. Credit risk score 50/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Mixed indicators. Growth score 45/100, margin trends, ownership structure and peer set for Gupta Commerce Pvt Ltd - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 87/100, distress signals and MSME payment-delay disclosures - know whether Gupta Commerce Pvt Ltd 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 Gupta Commerce Pvt Ltd - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Gupta Commerce Pvt Ltd an active company?

Gupta Commerce Pvt Ltd has MCA status “Active” with a compliance score of 93/100 (Low Risk).

Is Gupta Commerce Pvt Ltd financially healthy?

Gupta Commerce Pvt Ltd has a Financial Health Score of 80/100 (Low Risk) based on its filed financial statements.

Should I do business with Gupta Commerce Pvt Ltd?

Its overall Trust Score is 87/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Gupta Commerce Pvt Ltd?

Promoters hold a dominant controlling stake - exact percentages are in the full report. 3 active director(s) are on record.

Does Gupta Commerce Pvt Ltd have loans or charges against its assets?

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

Is Gupta Commerce Pvt Ltd 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 Gupta Commerce Pvt Ltd?

Its Credit Risk Score is 50/100 (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.