Ipsa Credit Private Ltd - Due diligence report

A 360° intelligence report on Ipsa Credit Private Ltd: trust score, financial health, credit view, compliance, directors, growth and distres…

1992-05-05 Kolkata, West Bengal Active Unlisted Active Compliant
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Ipsa Credit Private Ltd — 360° Intelligence Report

Generated from MCA filings & public records
76/100
Trust Score
Low Risk

Ipsa Credit Private Ltd is assessed as Low Risk with a Trust Score of 76/100. Ipsa Credit Private Ltd is an active private limited indian non-government company incorporated in 1992, 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 09 Jul 2026 from the latest processed filings. Ipsa Credit Private Ltd snapshot & full profile →

Financial Health › Strong
Overall Assessment CautionWeakNeutralGoodStrong Strong
Compliance › Neutral

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
76/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
46/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
85/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
65/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
85/100
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.

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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: 65/100 Moderate
  • Liabilities ≈ 38% EBITDA - stretched.
  • No open charges - unencumbered balance sheet.
  • Moderate gearing (D/E 1.42).
  • Profitable - internal accruals available.

Charges position: 0 open (-) · 0 satisfied (-).

Compliance Score: 46/100 Caution Indicated
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • Flagged by authority: FIU.
  • Litigation present in 2 court forum(s).
  • 1 auditor resignation(s) filed - latest: MANDAWEWALA & CO. on 2015-09-05.
Legal cases on record (2)
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
IPSA GUPTA 01234567 Director 01/04/2018 6 yrs Approved
REENA GUPTA 01234567 Director 01/04/2018 6 yrs Approved
MANOJ GUPTA 01234567 Director 01/04/2018 6 yrs Approved
  • 3 directors on the board.
  • No disqualified or deactivated DINs.
  • Stable board - no exits in 3 years.
  • Average tenure above 5 years.
Director & KMP remuneration (FY 2022)
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
-
Subsidiaries
-
Group entities
-
Capital events
2 allotment(s) · 1 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 90
Growth signals & trust indicators
Revenue acceleration: +2.1x over 4 year(s).
Profit expanded 24% year-on-year.
Net margin improved to 0.86.
Operating for 34+ years.
Distress signals & risk flags
Compliance score is weak (46/100).
1 auditor resignation(s) on record - review the stated reasons.
2 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence68/100
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 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 gaps should be priced into terms.
Investor view83/100
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 11 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
31 Mar 2023
Share transfer (FY 2023)
140000.00000000 shares to IPSA Gupta
14 Dec 2018
Director ceased
ALOKE KUMAR GUPTA
25 Nov 2013
Director ceased
SANJAY KUMAR GUPTA
01 Aug 2013
Director appointed
IPSA GUPTA (Director)
Director appointed
REENA GUPTA (Director)
30 Mar 2013
Securities allotted
714283.00 Equity Shares - 2.50 cr raised
31 Mar 2012
Securities allotted
100000.00 Equity Shares - 2.00 cr raised
01 Jan 1993
Director appointed
MANOJ GUPTA (Director)
05 May 1992
Incorporated
Registered with Roc Kolkata I
10

Key Observations

Auto-generated from the data above
Revenue grew 61% over the last 4 financial year(s).
Net profit margin moved from 38% to 1.42.
Debt-to-equity stands at 2.1x - manageable leverage.
Net worth is positive.
3 active director(s) / partner(s); board looks stable and experienced.
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 2 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Shree Marikamba Micro Finance Private Limited U67100KA2014PTC073382 Shimoga, Karnataka, India
Omniscience Capital U93000MH2017PTC290053 Bandra, Maharashtra, India
R V S R Consultancy Services Private Limited U74110TG2021PTC149877 Hyderabad, Telangana, India
Unipon Merchants U51109WB1994PTC063866 Kolkata, West Bengal, India
Gravity Forex And Travels Private Limited U67190WB2022PTC257848 Kolkata, West Bengal, India
Kremer Mercantile Pvt Ltd U51109WB1996PTC077294 Kolkata, West Bengal, India
Finitians Private Limited U72900CH2020PTC042887 Chandigarh, Chandigarh, India
Metafin U74999MH2018PTC305543 Mumbai, Maharashtra, India
12

Who Uses This Report

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

Verify Ipsa Credit Private Ltd before audits and certifications: compliance score 46/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Ipsa Credit Private 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 65/100, 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 Ipsa Credit Private Ltd - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Review suggested. Trust score 76/100, distress signals and MSME payment-delay disclosures - know whether Ipsa Credit Private Ltd 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 Ipsa Credit Private Ltd - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Ipsa Credit Private Ltd an active company?

Ipsa Credit Private Ltd has MCA status “Active” with a compliance score of 46/100 (Caution Indicated).

Is Ipsa Credit Private Ltd financially healthy?

Ipsa Credit Private Ltd has a Financial Health Score of 85/100 (Low Risk) based on its filed financial statements.

Should I do business with Ipsa Credit Private Ltd?

Its overall Trust Score is 76/100 (Low Risk). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Ipsa Credit Private Ltd?

Promoters hold a dominant controlling stake - exact percentages are in the full report. 3 active director(s) are on record.

Does Ipsa Credit Private Ltd have loans or charges against its assets?

No charges are registered against this company - an unencumbered balance sheet.

Is Ipsa Credit Private Ltd up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 46/100 (Caution Indicated).

Is it risky to lend to Ipsa Credit Private Ltd?

Its Credit Risk Score is 65/100 (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.