Iqra Microfinance Federation - Due diligence report

A 360° intelligence report on Iqramicrofinance: trust score, financial health, credit view, compliance, directors, growth and distress signa…

2017-03-16 Varanasi, Uttar Pradesh Active Unlisted Active Compliant
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IM Iqra Microfinance Federation
Full Due-Diligence Report + Documents
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  • Full trust, health & credit-risk scores
  • Director details, charges & MCA documents
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Iqramicrofinance — 360° Intelligence Report

Generated from MCA filings & public records
83/100
Trust Score
Low Risk

Iqramicrofinance is assessed as Low Risk with a Trust Score of 83/100. Iqramicrofinance is an active private not for profit company incorporated in 2017, operating in the Financial Services sector. It was profitable in its latest filed year. Based on MCA filings and public records, it currently shows a low compliance risk and low financial risk profile.

Report generated on 17 Jul 2026 from the latest processed filings. Iqra Microfinance Federation snapshot & full profile →

Financial Health › Strong
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
83/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
75/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
95/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreLow Risk
95/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
80/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
70/100
Early-warning signals - higher means fewer warnings.
03

Financial Intelligence Dashboard

Standalone · 4 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: 95/100 Low Risk
  • Liabilities ≈ 38% EBITDA - serviceable.
  • No open charges - unencumbered balance sheet.
  • Moderate gearing (D/E 1.42).
  • Working-capital cover adequate.
  • Profitable - internal accruals available.

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

Compliance Score: 75/100 Low Risk
  • Company status is Active as per MCA.
  • Last balance sheet is for Mar 2021 - filings overdue.
  • 1 active GST registration(s).
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
KRISHNA PRATAP SINGH 01234567 Director 01/04/2018 6 yrs Approved
CHANDRA MOHAN OJHA 01234567 Director 01/04/2018 6 yrs Approved
SHAMBHU SHARAN SRIVASTAVA 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.
06

Ownership & Group Intelligence

As per FY 2019 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
8 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 80 · Distress 70
Growth signals & trust indicators
Latest year revenue grew 2.1x.
Profit expanded 24% year-on-year.
Asset base grew 0.86 - capacity expansion.
Net margin improved to 61%.
Operating for 9 years.
Active GST registration(s).
Distress signals & risk flags
Outside liabilities up 38% in a year.
Statutory filings appear overdue.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence76/100
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 assessment90/100
Favourable lending indicators
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 view86/100
Positive growth indicators
Growth quality and scalability through an investor lens.
  • 4 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 15 events
08 Jul 2023
Director appointed
KRISHNA PRATAP SINGH (Director)
30 Nov 2021
Last AGM held
Annual general meeting
31 Mar 2021
Latest balance sheet
Filed with ROC
10 Mar 2021
Director ceased
APURVA SRIVASTAVA
30 Oct 2019
Securities allotted
107300 Equity Shares Without Differential Rights - 10.73 Lakh raised
Securities allotted
490000 Preference Shares - 49.00 Lakh raised
31 Mar 2019
Securities allotted
178000 Preference Shares - 17.80 Lakh raised
28 Feb 2019
Securities allotted
404200 Equity Shares Without Differential Rights - 40.42 Lakh raised
Securities allotted
509997 Preference Shares - 51.00 Lakh raised
28 Feb 2018
Securities allotted
20000 Preference Shares - 2.00 Lakh raised
15 Jan 2018
Securities allotted
140000 Preference Shares - 14.00 Lakh raised
Director appointed
CHANDRA MOHAN OJHA (Director)
25 May 2017
Securities allotted
48600 Equity Shares Without Differential Rights - 4.86 Lakh raised
16 Mar 2017
Incorporated
Registered with Roc Uttar Pradesh I
Director appointed
SHAMBHU SHARAN SRIVASTAVA (Director)
10

Key Observations

Auto-generated from the data above
Debt-to-equity stands at 1.42 - manageable leverage.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
3 active director(s) / partner(s); board looks stable and experienced.
1 active GST registration(s) indicate ongoing business operations.
Promoters hold a dominant controlling stake as per the FY 2019 annual return.
Capital has been raised through 8 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Vivek Finlease Private Limited U65910RJ1995PTC009939 Jaipur, Rajasthan, India
Sarvpriya Finvest Private Limited U74900DL2006PTC146899 New Delhi, Delhi, India
Om Fincap Private Limited U74899DL1995PTC074130 Delhi, Delhi, India
Rita Financial Services Private Limited U67120PB1994PTC015297 Punjab, Punjab, India
Satkar Fabrics Pvt.Ltd. U99999MH1992PTC065493 Thane-1, Maharashtra, India
Reliable Securities Private Limited U65921DL1995PTC066898 New Delhi, Delhi, India
Rs Finlease Private Limited U65921DL1996PTC078546 New Delhi, Delhi, India
Lohit Mercandise Ltd. U29211AS1991PLC012285 Palashbari Circle, Assam, India
12

Who Uses This Report

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

Verify Iqramicrofinance before audits and certifications: compliance score 75/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Iqramicrofinance: 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: Favourable lending indicators. Credit risk score 95/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Positive growth indicators. Growth score 80/100, margin trends, ownership structure and peer set for Iqramicrofinance - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 83/100, distress signals and MSME payment-delay disclosures - know whether Iqramicrofinance 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 Iqramicrofinance - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Iqramicrofinance an active company?

Iqramicrofinance has MCA status “Active” with a compliance score of 75/100 (Low Risk).

Is Iqramicrofinance financially healthy?

Iqramicrofinance has a Financial Health Score of 95/100 (Low Risk) based on its filed financial statements.

Should I do business with Iqramicrofinance?

Its overall Trust Score is 83/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Iqramicrofinance?

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

Does Iqramicrofinance have loans or charges against its assets?

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

Is Iqramicrofinance up to date with its ROC filings?

Last balance sheet is for Mar 2021 - filings overdue. Overall compliance score: 75/100 (Low Risk).

Is it risky to lend to Iqramicrofinance?

Its Credit Risk Score is 95/100 (Low Risk). Banker verdict: Favourable lending indicators.

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.