Promoter holding
64.27%
IC
Image Chit Fund Pvt Ltd - Due diligence report
A 360° intelligence report on Image Chit Fund Pvt Ltd: trust score, financial health, credit view, compliance, directors, growth and distres…
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Image Chit Fund Pvt Ltd — 360° Intelligence Report
Generated from MCA filings & public records78/100
Trust Score
Low Risk
Image Chit Fund Pvt Ltd is assessed as Low Risk with a Trust Score of 78/100. Image Chit Fund Pvt Ltd is an active private limited indian non-government company incorporated in 1983, operating in the Financial Services sector. It reported a loss in its latest filed year. Based on MCA filings and public records, it currently shows a moderate compliance risk and moderate financial risk profile.
Report generated on 01 Aug 2026 from the latest processed filings. Image Chit Fund Pvt Ltd 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
78/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
71/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
60/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
60/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
50/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
90/100
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.
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: 60/100 Moderate
- Negative operating earnings - debt service depends on external support.
- No open charges - unencumbered balance sheet.
- Moderate gearing (D/E 38%).
- Working-capital cover adequate.
Charges position: 0 open (-) · 2 satisfied (48.00 Lakh).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Global Trust Bank Limited | 1 | 48.0 cr |
| The Lakshmi Vilas Bank Ltd. | 1 | 48.0 cr |
Compliance Score: 71/100 Moderate
- Company status is Active as per MCA.
- Balance sheet slightly behind (Mar 2024).
- Litigation present in 1 court forum(s).
- 1 auditor resignation(s) filed - latest: U S RAO & ASSOCIATES on 2021-11-16.
Legal cases on record (1)
05
Director Intelligence
Stability score: 95/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| CHALASANI SATYA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| VENKATESWARA RAO CHALASANI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| CHALASANI SANDEEPA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| CHALASANI SOUMYA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| CHALASANI USHA RANI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 5 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 2021 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
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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 50 · Distress 90
Growth signals & trust indicators
Operating for 42+ years.
Distress signals & risk flags
1 auditor resignation(s) on record - review the stated reasons.
1 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 assessment63/100
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 view60/100
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 12 events30 Sep 2024
Last AGM held
Annual general meeting
31 Mar 2024
Latest balance sheet
Filed with ROC
09 May 2023
Charge satisfied
Global Trust Bank Limited
18 Sep 2017
Director appointed
CHALASANI SATYA (Director)
Director appointed
CHALASANI SOUMYA (Director)
17 Aug 2006
Charge satisfied
The Lakshmi Vilas Bank Ltd.
17 Mar 2005
Charge created
The Lakshmi Vilas Bank Ltd. - 8.00 Lakh
02 Jul 2001
Director appointed
CHALASANI SANDEEPA (Director)
08 Mar 1999
Charge created
Global Trust Bank Limited - 40.00 Lakh
23 Mar 1988
Director appointed
CHALASANI USHA RANI (Director)
20 Jan 1984
Director appointed
VENKATESWARA RAO CHALASANI (Director)
22 Dec 1983
Incorporated
Registered with Roc Hyderabad
10
Key Observations
Auto-generated from the data aboveDebt-to-equity stands at 1.42 - manageable leverage.
Net worth is positive.
5 active director(s) / partner(s); board looks stable and experienced.
All 2 registered charge(s) stand satisfied - past borrowings repaid.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a dominant controlling stake as per the FY 2021 annual return.
Peer companies will appear here as our matching engine processes this industry.
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Image Chit Fund Pvt Ltd before audits and certifications: compliance score 71/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Image Chit Fund 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 60/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Mixed indicators. Growth score 50/100, margin trends, ownership structure and peer set for Image Chit Fund Pvt Ltd - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Favourable indicators. Trust score 78/100, distress signals and MSME payment-delay disclosures - know whether Image Chit Fund 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 Image Chit Fund Pvt Ltd - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Image Chit Fund Pvt Ltd an active company?
Image Chit Fund Pvt Ltd has MCA status “Active” with a compliance score of 71/100 (Moderate).
Is Image Chit Fund Pvt Ltd financially healthy?
Image Chit Fund Pvt Ltd has a Financial Health Score of 60/100 (Moderate) based on its filed financial statements.
Should I do business with Image Chit Fund Pvt Ltd?
Its overall Trust Score is 78/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Image Chit Fund Pvt Ltd?
Promoters hold a dominant controlling stake - exact percentages are in the full report. 5 active director(s) are on record.
Does Image Chit Fund Pvt Ltd have loans or charges against its assets?
No open charges - all 2 registered charge(s) stand satisfied, indicating past borrowings were repaid.
Is Image Chit Fund Pvt Ltd up to date with its ROC filings?
Balance sheet slightly behind (Mar 2024). Overall compliance score: 71/100 (Moderate).
Is it risky to lend to Image Chit Fund Pvt Ltd?
Its Credit Risk Score is 60/100 (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.
