Jana Vikas Micro Finance - Due diligence report

A 360° intelligence report on Jana Vikas Micro Finance: trust score, financial health, credit view, compliance, directors, growth and distre…

2012-03-21 Guwahati, Assam Active Unlisted Active Non-Compliant
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Jana Vikas Micro Finance — 360° Intelligence Report

Generated from MCA filings & public records
64/100
Trust Score
Moderate

Jana Vikas Micro Finance is assessed as Moderate with a Trust Score of 64/100. Jana Vikas Micro Finance is an active public not for profit company incorporated in 2012, operating in the Financial Services sector. Processed financial statements are not yet available for trend analysis. Based on MCA filings and public records, it currently shows a high compliance risk and low financial risk profile.

Report generated on 08 Aug 2026 from the latest processed filings. Jana Vikas Micro Finance snapshot & full profile →

Financial Health › Strong
Overall Assessment CautionWeakNeutralGoodStrong Good
Compliance › Caution

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
64/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
25/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
90/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
70/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreModerate
55/100
Board strength, DIN status, churn and network.
Growth ScoreNo Data
N/A
Needs at least two filed years to measure growth.
Distress ScoreLow Risk
80/100
Early-warning signals - higher means fewer warnings.
03

Financial Intelligence Dashboard

Standalone · 1 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: 70/100 Moderate
  • Negative operating earnings - debt service depends on external support.
  • No open charges - unencumbered balance sheet.
  • Moderate gearing (D/E 38%).
  • Working-capital cover adequate.
  • Profitable - internal accruals available.

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

Compliance Score: 25/100 Caution Indicated
  • Company status is Active as per MCA.
  • Marked ACTIVE non-compliant (INC-22A).
  • Last balance sheet is for Mar 2015 - filings overdue.
  • Flagged by authority: MCA.
05

Director Intelligence

Stability score: 55/100
NameDIN / PANDesignationAppointedTenureDIN status
MD ATOWAR RAHMAN 01234567 Director 01/04/2018 6 yrs Approved
MD SABIDUR RAHMAN 01234567 Director 01/04/2018 6 yrs Approved
ABDUL AWAL AHMED 01234567 Director 01/04/2018 6 yrs Approved
  • 3 directors on the board.
  • MD ATOWAR RAHMAN has DIN status "Disqualified by RoC u/s 164(2)".
  • Stable board - no exits in 3 years.
  • Average tenure above 5 years.
06

Ownership & Group Intelligence

As per FY 2015 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
-

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 N/A · Distress 80
Growth signals & trust indicators
Operating for 14+ years.
Distress signals & risk flags
Statutory filings appear overdue.
Compliance score is weak (25/100).
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence53/100
Review suggested
Suitability as a supplier / customer counterparty.
  • Check the compliance flags before onboarding.
  • 1 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment65/100
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 view48/100
Mixed indicators
Growth quality and scalability through an investor lens.
  • No clear growth signals in the filed years.
  • Margin and return trends computable from filings.
  • Management churn warrants questions.
09

MCA Filings & Events Timeline

Latest 6 events
30 Sep 2015
Last AGM held
Annual general meeting
31 Mar 2015
Latest balance sheet
Filed with ROC
21 Mar 2012
Incorporated
Registered with Roc Guwahati
Director appointed
MD ATOWAR RAHMAN (Director)
Director appointed
MD SABIDUR RAHMAN (Director)
Director appointed
ABDUL AWAL AHMED (Director)
10

Key Observations

Auto-generated from the data above
3 active director(s) / partner(s); review board churn before relying on management continuity.
Promoters hold a dominant controlling stake as per the FY 2015 annual return.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Synergy Minetrade Expo Private Limited U51101MH2011PTC221034 Mumbai, Maharashtra, India
Anugraha Welfare Services Limited U66010KL2000PLC014390 Thrissur, Kerala, India
Lokapriya Chitties South Paravoor Private Limited U65992KL2013PTC033558 Ernakulam, Kerala, India
Secular Chits Private Limited U65992KL2013PTC035751 Palakkad, Kerala, India
Vinayak Risk Management Private Limited U66000PB2009PTC032669 Bathinda, Punjab, India
Standard Marbles Tiles Private Limited U14101RJ1984PTC002950 Udaipur, Rajasthan, India
Argus Kuries Private Limited U65992KL2006PTC019027 Thrissur, Kerala, India
Plutus Associates Private Limited U65191HR2011PTC042594 Faridabad, Haryana, India
12

Who Uses This Report

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

Verify Jana Vikas Micro Finance before audits and certifications: compliance score 25/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Jana Vikas Micro Finance: 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 70/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Mixed indicators. Growth score n/a, margin trends, ownership structure and peer set for Jana Vikas Micro Finance - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Review suggested. Trust score 64/100, distress signals and MSME payment-delay disclosures - know whether Jana Vikas Micro Finance 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 Jana Vikas Micro Finance - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Jana Vikas Micro Finance an active company?

Jana Vikas Micro Finance has MCA status “Active” with a compliance score of 25/100 (Caution Indicated).

Is Jana Vikas Micro Finance financially healthy?

Jana Vikas Micro Finance has a Financial Health Score of 90/100 (Low Risk) based on its filed financial statements.

Should I do business with Jana Vikas Micro Finance?

Its overall Trust Score is 64/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Jana Vikas Micro Finance?

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

Does Jana Vikas Micro Finance have loans or charges against its assets?

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

Is Jana Vikas Micro Finance up to date with its ROC filings?

Marked ACTIVE non-compliant (INC-22A). Overall compliance score: 25/100 (Caution Indicated).

Is it risky to lend to Jana Vikas Micro Finance?

Its Credit Risk Score is 70/100 (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.