Indiavidual Learning Limited - Due diligence report

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

2012-08-28 Ahmadabad City, Gujarat Active Unlisted Active Compliant
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IL Indiavidual Learning Limited
Full Due-Diligence Report + Documents
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  • Full trust, health & credit-risk scores
  • Director details, charges & MCA documents
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Embibe — 360° Intelligence Report

Generated from MCA filings & public records
74/100
Trust Score
Moderate

Embibe is assessed as Moderate with a Trust Score of 74/100. Embibe is an active public limited indian non-government company incorporated in 2012, operating in the Internet sector. Reported revenue has declined 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 high financial risk profile.

Report generated on 16 Jul 2026 from the latest processed filings. Indiavidual Learning Limited snapshot & full profile →

Financial Health › Weak
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 ScoreModerate
74/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
90/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
40/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
35/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
85/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
55/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
65/100
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: 35/100 Caution Indicated
  • Negative operating earnings - debt service depends on external support.
  • No open charges - unencumbered balance sheet.
  • Elevated gearing (D/E 38%).

Charges position: 0 open (-) · 2 satisfied (3.40 cr).

Banking relationships (from registered charges)
LenderChargesAmount
Innoven Capital India Private Limited1 48.0 cr
Others1 48.0 cr
Compliance Score: 90/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • 1 auditor resignation(s) filed - latest: V.R.JAIN & CO on 2017-03-27.
  • 5 active GST registration(s).
05

Director Intelligence

Stability score: 85/100
NameDIN / PANDesignationAppointedTenureDIN status
KIRAN MATHEW THOMAS 01234567 Director 01/04/2018 6 yrs Approved
SHOBHAN MADHUKANT THAKORE 01234567 Director 01/04/2018 6 yrs Approved
DHIRENDRA HARILAL SHAH 01234567 Director 01/04/2018 6 yrs Approved
ANSHUMAN THAKUR 01234567 Director 01/04/2018 6 yrs Approved
Aditya Sureka 01234567 Director 01/04/2018 6 yrs Approved
Amit Saraf 01234567 Director 01/04/2018 6 yrs Approved
  • 6 directors on the board.
  • No disqualified or deactivated DINs.
  • 2 director exit(s) in the last 3 years.
Director & KMP remuneration (FY 2023)
NameDesignationTotal remuneration
A K SharmaManaging Director2.4 cr
R MehtaWhole-time Director1.6 cr
S IyerCFO95.0 L

Remuneration is disclosed in the latest annual return. Unlock full report

06

Ownership & Group Intelligence

As per FY 2023 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
Jio Platforms Limited
Subsidiaries
-
Group entities
-
Capital events
34 allotment(s) · 2 transfer(s)

Promoters hold a dominant controlling stake - exact percentages are part of the full report.

Group entityRelationship% held
Jio Platforms Limited Holding Company 74.00%

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 55 · Distress 65
Growth signals & trust indicators
Latest year revenue grew 1.42.
Asset base grew 2.1x - capacity expansion.
Operating for 13+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Losses deepening year-on-year.
Outside liabilities up 24% in a year.
1 auditor resignation(s) on record - review the stated reasons.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence78/100
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 assessment50/100
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 view54/100
Mixed indicators
Growth quality and scalability through an investor lens.
  • 2 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 15 events
11 Nov 2025
Director appointed
Amit Saraf (Ceo)
26 Sep 2025
Last AGM held
Annual general meeting
20 Jun 2025
Director appointed
Aditya Sureka (Cfo)
31 Mar 2025
Latest balance sheet
Filed with ROC
26 Mar 2024
Director appointed
SHOBHAN MADHUKANT THAKORE (Director)
Director appointed
DHIRENDRA HARILAL SHAH (Director)
Director ceased
SHOBHAN MADHUKANT THAKORE
Director ceased
DHIRENDRA HARILAL SHAH
14 Feb 2022
Charge satisfied
Others
18 Jan 2022
Securities allotted
400000 Preference Shares - 40.00 cr raised
13 Dec 2021
Securities allotted
400000 Preference Shares - 40.00 cr raised
20 Jul 2021
Securities allotted
250000 Preference Shares - 25.00 cr raised
12 May 2021
Securities allotted
250000 Preference Shares - 25.00 cr raised
25 Mar 2021
Charge created
Others - 40.24 Lakh
19 Mar 2021
Securities allotted
460000 Preference Shares - 46.00 cr raised
10

Key Observations

Auto-generated from the data above
Revenue declined 0.86 over the last 4 financial year(s).
Net profit margin moved from 61% to 38%.
Debt-to-equity stands at 1.42 - leverage worth monitoring.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
6 active director(s) / partner(s); board looks stable and experienced.
5 active GST registration(s) indicate ongoing business operations.
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 2023 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 34 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Knowledgehouse Limited U80904UP2009PLC038784 Kakadeo, Uttar Pradesh, India
Hci U80300KL2012PTC030506 Kochi, Kerala, India
Paragon Testing Enterprises India Private Limited U80902MH2019FTC326795 Malad West, Maharashtra, India
Learn Train & Lever Private Limited U52609WB2016PTC218635 Kolkata, West Bengal, India
Aksiasfuturevision Education Private Limited U80904TG2019PTC132393 Hyderabad, Telangana, India
Idigitalpreneur Private Limited U74999DL2020PTC370297 New Delhi, Delhi, India
Redwood Edutours U80904MH2017PTC298397 Nagpur, Maharashtra, India
Marg Business Transformation Private Limited U74999KA2019PTC125836 Bangalore North, Karnataka, India
12

Who Uses This Report

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

Verify Embibe before audits and certifications: compliance score 90/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Embibe: 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 35/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Mixed indicators. Growth score 55/100, margin trends, ownership structure and peer set for Embibe - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 74/100, distress signals and MSME payment-delay disclosures - know whether Embibe 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 Embibe - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Embibe an active company?

Embibe has MCA status “Active” with a compliance score of 90/100 (Low Risk).

Is Embibe financially healthy?

Embibe has a Financial Health Score of 40/100 (Caution Indicated) based on its filed financial statements.

Should I do business with Embibe?

Its overall Trust Score is 74/100 (Moderate). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Embibe?

The ultimate holding entity is Jio Platforms Limited. 6 active director(s) are on record.

Does Embibe have loans or charges against its assets?

No open charges - all 2 registered charge(s) stand satisfied, indicating past borrowings were repaid.

Is Embibe up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 90/100 (Low Risk).

Is it risky to lend to Embibe?

Its Credit Risk Score is 35/100 (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.