Promoter holding
64.27%
IF
Iifl Finance Limited - Due diligence report
A 360° intelligence report on Iifl: trust score, financial health, credit view, compliance, directors, growth and distress signals - generat…
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Iifl — 360° Intelligence Report
Generated from MCA filings & public records80/100
Trust Score
Low Risk
Iifl is assessed as Low Risk with a Trust Score of 80/100. Iifl is an active public limited indian non-government company incorporated in 1995, 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 low financial risk profile.
Report generated on 17 Jul 2026 from the latest processed filings. Iifl Finance Limited 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 ScoreLow Risk
80/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
70/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
75/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
30/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
80/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
95/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
90/100
Early-warning signals - higher means fewer warnings.
03
Financial Intelligence Dashboard
Consolidated · 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: 30/100 Caution Indicated
- Liabilities ≈ 38% EBITDA - stretched.
- Open charges exceed net worth - secured lenders rank ahead.
- Elevated gearing (D/E 1.42).
- Profitable - internal accruals available.
Charges position: 27 open (39,305.89 cr) · 17 satisfied (4,967.88 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Others | 25 | 48.0 cr |
| Milestone Trusteeship Services Private Limited | 3 | 48.0 cr |
| Idbi Trusteeship Services Limited | 8 | 48.0 cr |
| The Hongkong And Shanghai Banking Corporation Limited | 3 | 48.0 cr |
| Icici Bank Limited | 1 | 48.0 cr |
| Citi Bank N.A | 1 | 48.0 cr |
Compliance Score: 70/100 Moderate
- Company status is Active as per MCA.
- Annual filings current (balance sheet Mar 2025).
- Litigation present in 5 court forum(s).
- 1 auditor resignation(s) filed - latest: DELOITTE HASKINS & SELLS LLP on 2020-06-07.
- 27 active GST registration(s).
Legal cases on record (5)
05
Director Intelligence
Stability score: 80/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| NIHAR NIRANJAN JAMBUSARIA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| NIRMAL BHANWARLAL JAIN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| TRITALA SUBRAMANIAN RAMAKRISHNAN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| RAMAKRISHNAN SUBRAMANIAN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SAMRAT SANYAL | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Kapish Jain | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| NIRMA ANIL BHANDARI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| GOPALAKRISHNAN SOUNDARAJAN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| BIBHU PRASAD KANUNGO | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| BIJOU KURIEN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| VENKATARAMAN RAJAMANI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 11 directors on the board.
- No disqualified or deactivated DINs.
- 7 director exits in 3 years - high churn.
- Average tenure above 5 years.
Director & KMP remuneration (FY 2024)
| 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 2025 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
4
Group entities
4
Capital events
278 allotment(s) · 0 transfer(s)
Promoters hold the largest single block of equity - exact percentages are part of the full report.
| Group entity | Relationship | % held |
|---|---|---|
| Iifl Samasta Finance Limited | Subsidiary Company | 74.00% |
| Iifl Home Finance Limited | Subsidiary Company | 74.00% |
| Iihfl Sales Limited | Subsidiary Company | 74.00% |
| Iifl Open Fintech Private Limited | Subsidiary Company | 74.00% |
Key managerial personnel: NIRMAL BHANWARLAL JAIN (Managing Director) · Kapish Jain (CFO) · VENKATARAMAN RAJAMANI (Managing Director)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 95 · Distress 90
Growth signals & trust indicators
Revenue acceleration: +2.1x over 4 year(s).
Latest year revenue grew 24%.
Profit expanded 0.86 year-on-year.
Asset base grew 61% - capacity expansion.
Operating for 30+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
27 open charge(s) registered - assets are encumbered.
1 auditor resignation(s) on record - review the stated reasons.
5 court case(s) on record - see the legal section for details.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence79/100
Favourable indicators
Suitability as a supplier / customer counterparty.
- Statutory record is clean.
- No distress signals on file.
- 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.
- 27 open charge(s) of 39,305.89 cr already registered.
- Compliance record supports lending.
Investor view84/100
Positive growth indicators
Growth quality and scalability through an investor lens.
- 4 growth signal(s) detected.
- Margin and return trends computable from filings.
- Management team looks stable.
09
MCA Filings & Events Timeline
Latest 15 events18 Jul 2025
Last AGM held
Annual general meeting
17 Jul 2025
Director ceased
BIBHU PRASAD KANUNGO
16 Jun 2025
Director appointed
BIBHU PRASAD KANUNGO (Director)
21 Apr 2025
Charge created
Others - 500.00 cr
31 Mar 2025
Latest balance sheet
Filed with ROC
07 Mar 2025
Charge created
Others - 870.15 cr
22 Jan 2025
Charge created
Others - 2,814.08 cr
16 Jan 2025
Charge created
Others - 2,000.00 cr
09 Dec 2024
Director ceased
NIRMA ANIL BHANDARI
02 Dec 2024
Charge created
Others - 1,000.00 cr
16 Sep 2024
Director appointed
NIRMA ANIL BHANDARI (Director)
23 Aug 2024
Director appointed
SAMRAT SANYAL (Company Secretary)
09 Jun 2024
Director ceased
NIHAR NIRANJAN JAMBUSARIA
Director ceased
GOPALAKRISHNAN SOUNDARAJAN
Director ceased
BIJOU KURIEN
10
Key Observations
Auto-generated from the data aboveRevenue grew 38% over the last 4 financial year(s).
Net profit margin moved from 1.42 to 2.1x.
Debt-to-equity stands at 24% - leverage worth monitoring.
Net worth is positive.
11 active director(s) / partner(s); board looks stable and experienced.
27 active GST registration(s) indicate ongoing business operations.
Operates a group structure with 4 subsidiary(ies) - assess on a consolidated basis.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold the largest single block of equity as per the FY 2025 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 278 security allotment(s) - amounts available in the full report.
33 overseas direct investment(s) (ODI) on record - international footprint.
| Company | CIN | Location |
|---|---|---|
| Musafirkhana Forex Private Limited | U51109MH2016PTC282760 | Mumbai, Maharashtra, India |
| Shriram Fortune | U74210TN1987PLC014963 | Chennai, Tamil Nadu, India |
| Wadhawan Global Capital | U67110MH2010PLC204063 | Mumbai, Maharashtra, India |
| R.S. Ajit Singh And Co. (Automotives) Private Limited | U34103DL1997PTC084491 | New Delhi, Delhi, India |
| Turquoise Investments And Finance Private Limited | U67120MH1987PTC263390 | Mumbai, Maharashtra, India |
| Capstone Forex Private Limited | U74990MH2011PTC218280 | Thane, Maharashtra, India |
| Edelweiss Agri Value Chain Limited | U63090MH2014PLC256473 | Mumbai, Maharashtra, India |
| Snowtex Investment Limited | U66010WB1995PLC069088 | Kolkata, West Bengal, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Iifl before audits and certifications: compliance score 70/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Iifl: 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 30/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Positive growth indicators. Growth score 95/100, margin trends, ownership structure and peer set for Iifl - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Favourable indicators. Trust score 80/100, distress signals and MSME payment-delay disclosures - know whether Iifl pays its suppliers before you extend credit terms.
Lawyers & Compliance Teams
Litigation footprint (5 case(s) on record), regulatory flags, charge documents trail and director networks for Iifl - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Iifl an active company?
Iifl has MCA status “Active” with a compliance score of 70/100 (Moderate).
Is Iifl financially healthy?
Iifl has a Financial Health Score of 75/100 (Low Risk) based on its filed financial statements.
Should I do business with Iifl?
Its overall Trust Score is 80/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Iifl?
Promoters hold the largest single block of equity - exact percentages are in the full report. 11 active director(s) are on record.
Does Iifl have loans or charges against its assets?
27 open charge(s) are registered against its assets, and 17 earlier charge(s) stand satisfied.
Is Iifl up to date with its ROC filings?
Annual filings current (balance sheet Mar 2025). Overall compliance score: 70/100 (Moderate).
Is it risky to lend to Iifl?
Its Credit Risk Score is 30/100 (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.
