Promoter holding
64.27%
IF
Ifs - Due diligence report
A 360° intelligence report on Ifs: trust score, financial health, credit view, compliance, directors, growth and distress signals - generate…
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Ifs — 360° Intelligence Report
Generated from MCA filings & public records68/100
Trust Score
Moderate
Ifs is assessed as Moderate with a Trust Score of 68/100. Ifs is an active private limited indian non-government company incorporated in 2016, 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 high compliance risk and low financial risk profile.
Report generated on 06 Oct 2026 from the latest processed filings. Infinity Fincorp Solutions Private 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 ScoreModerate
68/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
26/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
80/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
60/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
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
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
- Open charges exceed net worth - secured lenders rank ahead.
- Profitable - internal accruals available.
- Externally credit-rated (A-).
Charges position: 8 open (1,927.62 cr) · 53 satisfied (1,505.27 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Others | 52 | 48.0 cr |
| Tata Capital Financial Services Limited | 3 | 48.0 cr |
| Yes Bank Limited | 2 | 48.0 cr |
| Hdfc Bank Limited | 1 | 48.0 cr |
| State Bank Of India | 1 | 48.0 cr |
| Axis Bank Limited | 2 | 48.0 cr |
Compliance Score: 26/100 Caution Indicated
- Company status is Active as per MCA.
- Balance sheet slightly behind (Mar 2025).
- Flagged by authority: FIU.
- Litigation present in 2 court forum(s).
- 2 auditor resignation(s) filed - latest: Khimji Kunverji & Co LLP on 2021-11-30.
- Delayed payments to MSME suppliers disclosed (1 disclosure(s)).
- 8 active GST registration(s).
Legal cases on record (2)
05
Director Intelligence
Stability score: 95/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| SHRIKANT VITHALRAO RAVALKAR | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SHRIKANT VITHALRAO RAVALKAR | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Arpit Beri | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Vijay Baxiram Paliwal | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Pravin Prakash Pandye | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Rohit Gangadharrao Phadke | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Narayan Seetharaman Thathai | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Murali Krishnan Nair | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Vageesh Gupta | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Lopa Ruparel | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 10 directors on the board.
- No disqualified or deactivated DINs.
- Stable board - no exits in 3 years.
Director & KMP remuneration (FY 2022)
| 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 2022 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
Indium Iv (mauritius) Holdings Limited
Subsidiaries
-
Group entities
-
Capital events
6 allotment(s) · 3 transfer(s)
Promoters hold a dominant controlling stake - exact percentages are part of the full report.
| Group entity | Relationship | % held |
|---|---|---|
| Indium Iv (mauritius) Holdings Limited | Holding Company | 74.00% |
Key managerial personnel: SHRIKANT VITHALRAO RAVALKAR (CEO)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 95 · Distress 90
Growth signals & trust indicators
Revenue acceleration: +38% over 4 year(s).
Latest year revenue grew 1.42.
Profit expanded 2.1x year-on-year.
Asset base grew 24% - capacity expansion.
Net margin improved to 0.86.
EPFO headcount growing - hiring signal.
Operating for 9 years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Compliance score is weak (26/100).
8 open charge(s) registered - assets are encumbered.
2 auditor resignation(s) on record - review the stated reasons.
MSME payment delays disclosed - latest outstanding 1.24 Lakh.
2 court case(s) on record - see the legal section for details.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence58/100
Review suggested
Suitability as a supplier / customer counterparty.
- Check the compliance flags before onboarding.
- No distress signals on file.
- Financial filings available for verification.
Banker assessment58/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 8 open charge(s) of 1,927.62 cr already registered.
- Compliance gaps should be priced into terms.
Investor view83/100
Positive growth indicators
Growth quality and scalability through an investor lens.
- 6 growth signal(s) detected.
- Margin and return trends computable from filings.
- Management team looks stable.
09
MCA Filings & Events Timeline
Latest 15 events17 Jan 2026
Charge satisfied
Others
07 Jan 2026
Charge satisfied
Others
Charge satisfied
Yes Bank Limited
Charge satisfied
Tata Capital Financial Services Limited
02 Jan 2026
Charge satisfied
Others
31 Dec 2025
Charge satisfied
Others
30 Dec 2025
Director appointed
Lopa Ruparel (Additional Director)
24 Dec 2025
Charge satisfied
Others
23 Dec 2025
Charge satisfied
Others
22 Dec 2025
Charge satisfied
Others
Charge satisfied
State Bank Of India
16 Dec 2025
Charge satisfied
Others
12 Dec 2025
Charge satisfied
Others
10 Dec 2025
Charge satisfied
Others
09 Dec 2025
Charge satisfied
Others
10
Key Observations
Auto-generated from the data aboveRevenue grew 61% over the last 4 financial year(s).
Net profit margin moved from 38% to 1.42.
Net worth is positive.
10 active director(s) / partner(s); board looks stable and experienced.
8 active GST registration(s) indicate ongoing business operations.
Carries an external credit rating of A- from Care.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a dominant controlling stake as per the FY 2022 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 6 security allotment(s) - amounts available in the full report.
| Company | CIN | Location |
|---|---|---|
| Bhagvati Autolink Private Limited | U50100GJ2013PTC075869 | Rajkot, Gujarat, India |
| Epoch Synthetics Pvt.Ltd. | U51109WB1995PTC069298 | Kolkata, West Bengal, India |
| Smc Finance | U64920DL1996PTC353582 | New Delhi, Delhi, India |
| Nichecorpfinance | U65993MH1989PTC053884 | Borivali West, Maharashtra, India |
| Tradewalk Broking Private Limited | U65929HR2019PTC082856 | Gurugram, Haryana, India |
| Kapilchits | U65992TG2008PTC060803 | Hyderabad, Telangana, India |
| Cppib India Advisors Private Limited | U65923MH2014FTC258104 | Mumbai, Maharashtra, India |
| Anuka Investment Private Limited | U67100KA2021PTC144985 | Hassan, Karnataka, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Ifs before audits and certifications: compliance score 26/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Ifs: 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: Positive growth indicators. Growth score 95/100, margin trends, ownership structure and peer set for Ifs - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Review suggested. Trust score 68/100, distress signals and MSME payment-delay disclosures - know whether Ifs pays its suppliers before you extend credit terms.
Lawyers & Compliance Teams
Litigation footprint (2 case(s) on record), regulatory flags, charge documents trail and director networks for Ifs - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Ifs an active company?
Ifs has MCA status “Active” with a compliance score of 26/100 (Caution Indicated).
Is Ifs financially healthy?
Ifs has a Financial Health Score of 80/100 (Low Risk) based on its filed financial statements.
Should I do business with Ifs?
Its overall Trust Score is 68/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Ifs?
The ultimate holding entity is Indium Iv (mauritius) Holdings Limited. 10 active director(s) are on record.
Does Ifs have loans or charges against its assets?
8 open charge(s) are registered against its assets, and 53 earlier charge(s) stand satisfied.
Is Ifs up to date with its ROC filings?
Balance sheet slightly behind (Mar 2025). Overall compliance score: 26/100 (Caution Indicated).
Is it risky to lend to Ifs?
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.
