Incassable Technologies Private Limited - Due diligence report

A 360° intelligence report on Swiflearn: trust score, financial health, credit view, compliance, directors, growth and distress signals - ge…

2019-11-04 Bangalore North, Karnataka Active Unlisted Active Compliant
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IT Incassable Technologies Private Limited
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Swiflearn — 360° Intelligence Report

Generated from MCA filings & public records
80/100
Trust Score
Low Risk

Swiflearn is assessed as Low Risk with a Trust Score of 80/100. Swiflearn is an active private limited indian non-government company incorporated in 2019, operating in the Education & Learing sector. The company has shown revenue growth 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 moderate financial risk profile.

Report generated on 14 Aug 2026 from the latest processed filings. Incassable Technologies Private Limited 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
80/100
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
50/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
85/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
85/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
65/100
Early-warning signals - higher means fewer warnings.
03

Financial Intelligence Dashboard

Standalone · 3 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: 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 (-) · 1 satisfied (4.00 cr).

Banking relationships (from registered charges)
LenderChargesAmount
Others1 48.0 cr
Compliance Score: 100/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • 1 active GST registration(s).
05

Director Intelligence

Stability score: 85/100
NameDIN / PANDesignationAppointedTenureDIN status
SUMIT JAIN 01234567 Director 01/04/2018 6 yrs Approved
ABHISHEK PIPARA 01234567 Director 01/04/2018 6 yrs Approved
  • 2 directors on the board.
  • No disqualified or deactivated DINs.
  • 3 director exit(s) in the last 3 years.
06

Ownership & Group Intelligence

As per FY 2020 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
7 allotment(s) · 0 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 85 · Distress 65
Growth signals & trust indicators
Revenue acceleration: +38% over 2 year(s).
Latest year revenue grew 1.42.
EPFO headcount growing - hiring signal.
Operating for 6 years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Losses deepening year-on-year.
Outside liabilities up 2.1x in a year.
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 assessment66/100
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 view75/100
Positive growth indicators
Growth quality and scalability through an investor lens.
  • 3 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 15 events
30 Sep 2025
Last AGM held
Annual general meeting
29 Sep 2025
Director ceased
SUMIT JAIN
31 Mar 2025
Latest balance sheet
Filed with ROC
22 Nov 2024
Director ceased
PRATIK DALAL
21 Nov 2024
Director appointed
SUMIT JAIN (Director)
15 Mar 2024
Director ceased
SUBRAMANIAN RAMACHANDRAN
07 Apr 2022
Charge satisfied
Others
27 Jan 2022
Director ceased
Anand Bakode
Director ceased
ABHINAV AGARWAL
21 Jan 2022
Director appointed
ABHISHEK PIPARA (Director)
01 Jun 2021
Securities allotted
400 Debentures - 4.00 cr raised
Securities allotted
94 Preference Shares - 48.04 Lakh raised
20 May 2021
Charge created
Others - 4.00 cr
04 Feb 2021
Securities allotted
4414 Preference Shares - 22.56 cr raised
21 Dec 2019
Securities allotted
10 Equity Shares Without Differential Rights - 1.75 Lakh raised
10

Key Observations

Auto-generated from the data above
Revenue grew 24% over the last 2 financial year(s).
Net profit margin moved from 0.86 to 61%.
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.
1 active GST registration(s) indicate ongoing business operations.
All 1 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 2020 annual return.
Capital has been raised through 7 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Unmath School Private Limited U80210MH2020PTC340892 Mumbai, Maharashtra, India
Gsr Institutes (Opc) Private Limited U80222AP2020OPC115362 Visakhapatnam, Andhra Pradesh, India
Learning Curve Life Skills Foundation U80210TG2016NPL109966 Hyderabad, Telangana, India
Learnengg Private Limited U80200TN2020PTC134374 Chennai, Tamil Nadu, India
Nocn India Skills Foundation U80200DL2017NPL319311 New Delhi, Delhi, India
Mysirg Education Services Private Limited U80200MP2018PTC046124 Bhopal, Madhya Pradesh, India
Ims Edutech Private Limited U80220DL2019PTC356697 Delhi, Delhi, India
Shri Vraksh Skills Private Limited U74101RJ2019PTC063605 Jhunjhunu, Rajasthan, India
12

Who Uses This Report

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

Verify Swiflearn 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 Swiflearn: 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 50/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Positive growth indicators. Growth score 85/100, margin trends, ownership structure and peer set for Swiflearn - 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 Swiflearn 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 Swiflearn - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Swiflearn an active company?

Swiflearn has MCA status “Active” with a compliance score of 100/100 (Low Risk).

Is Swiflearn financially healthy?

Swiflearn has a Financial Health Score of 60/100 (Moderate) based on its filed financial statements.

Should I do business with Swiflearn?

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 Swiflearn?

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

Does Swiflearn have loans or charges against its assets?

No open charges - all 1 registered charge(s) stand satisfied, indicating past borrowings were repaid.

Is Swiflearn 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 Swiflearn?

Its Credit Risk Score is 50/100 (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.