Janashree Microfin Limited - Due diligence report

A 360° intelligence report on Janashree Microfin Limited: trust score, financial health, credit view, compliance, directors, growth and dist…

2010-03-16 Trivandrum, Kerala Active Unlisted Active Compliant
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JM Janashree Microfin Limited
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Janashree Microfin Limited — 360° Intelligence Report

Generated from MCA filings & public records
66/100
Trust Score
Moderate

Janashree Microfin Limited is assessed as Moderate with a Trust Score of 66/100. Janashree Microfin Limited is an active public limited indian non-government company incorporated in 2010, operating in the Financial Services sector. The company has shown revenue growth 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 17 Jul 2026 from the latest processed filings. Janashree Microfin Limited snapshot & full profile →

Financial Health › Weak
Overall Assessment CautionWeakNeutralGoodStrong Good
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
66/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
75/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
40/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
55/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
60/100
Revenue, profit, asset and hiring momentum.
Distress ScoreCaution Indicated
40/100
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 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: 55/100 Moderate
  • Negative operating earnings - debt service depends on external support.
  • No open charges - unencumbered balance sheet.
  • Working-capital cover adequate.
  • Externally credit-rated (B).

Charges position: 0 open (-) · 1 satisfied (3.00 cr).

Banking relationships (from registered charges)
LenderChargesAmount
Priyadharshini Research And Development Private Limited1 48.0 cr
Compliance Score: 75/100 Low Risk
  • Company status is Active as per MCA.
  • Last balance sheet is for Mar 2021 - filings overdue.
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
BALACHANDRAN BHASKARAN SREEDEVI 01234567 Director 01/04/2018 6 yrs Approved
MALIK MOHAMED HASSAN 01234567 Director 01/04/2018 6 yrs Approved
THAMPAN MEDAYIL RAGHAVAN 01234567 Director 01/04/2018 6 yrs Approved
JAYA SREEKUMAR 01234567 Director 01/04/2018 6 yrs Approved
LATHIKA SUBHASH 01234567 Director 01/04/2018 6 yrs Approved
  • 5 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 2020 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
43 allotment(s) · 0 transfer(s)

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

Key managerial personnel: BALACHANDRAN BHASKARAN SREEDEVI (Whole-time director) · MALIK MOHAMED HASSAN (Managing Director) · JAYA SREEKUMAR (CEO)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 60 · Distress 40
Growth signals & trust indicators
Steady revenue growth: +38% over 4 year(s).
Operating for 16+ years.
Distress signals & risk flags
Revenue declined year-on-year.
Losses deepening year-on-year.
Outside liabilities up 1.42 in a year.
Statutory filings appear overdue.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence62/100
Review suggested
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • 4 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment56/100
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.
  • 1 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 15 events
30 Nov 2021
Last AGM held
Annual general meeting
08 Sep 2021
Securities allotted
20000 Equity Shares Without Differential Rights - 2.00 Lakh raised
Securities allotted
15000 Equity Shares Without Differential Rights - 1.50 Lakh raised
Securities allotted
10000 Equity Shares Without Differential Rights - 1.00 Lakh raised
03 Apr 2021
Securities allotted
1000 Equity Shares Without Differential Rights - 10,000.00 raised
31 Mar 2021
Latest balance sheet
Filed with ROC
30 Mar 2021
Securities allotted
24000 Equity Shares Without Differential Rights - 2.40 Lakh raised
25 Sep 2020
Securities allotted
30000 Equity Shares Without Differential Rights - 3.00 Lakh raised
16 Jul 2020
Securities allotted
20000 Equity Shares Without Differential Rights - 2.00 Lakh raised
28 Mar 2020
Securities allotted
10000 Equity Shares Without Differential Rights - 1.00 Lakh raised
10 Jan 2020
Securities allotted
15000 Equity Shares Without Differential Rights - 1.50 Lakh raised
21 Aug 2019
Securities allotted
50000 Equity Shares Without Differential Rights - 5.00 Lakh raised
01 Aug 2019
Securities allotted
27000 Equity Shares Without Differential Rights - 2.70 Lakh raised
14 Jun 2019
Director ceased
KURUVILLA MUKKAT JOHN
30 May 2019
Securities allotted
127300 Equity Shares Without Differential Rights - 12.73 Lakh raised
10

Key Observations

Auto-generated from the data above
Revenue grew 2.1x over the last 4 financial year(s).
Net profit margin moved from 24% to 0.86.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
5 active director(s) / partner(s); board looks stable and experienced.
All 1 registered charge(s) stand satisfied - past borrowings repaid.
Carries an external credit rating of B from Care.
Promoters hold a dominant controlling stake as per the FY 2020 annual return.
Capital has been raised through 43 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Sao Finance And Properties Pvt. Ltd. U45201WB1991PTC053843 Kolkata, West Bengal, India
Sakhi Samudaya Kosh U65999PN2006NPL022087 Solapur, Maharashtra, India
Sree Hanumantharaya Nidhi Limited U65192TZ2014PLC020838 Coimbatore, Tamil Nadu, India
Kingsley Dealcom Private Limited U51909WB2010PTC155579 Kolkata, West Bengal, India
Shri Parasram Infrastructure Private Limited U45200DL2008PTC179440 Delhi, Delhi, India
Hansa Textrade Private Ltd. U51909WB1996PTC078355 Kolkata, West Bengal, India
Arthaprise Financial Private Limited U67200DL2018PTC334417 New Delhi, Delhi, India
Lakshmivaibhav Chit Funds Private Limited U65923AP2014PTC093648 Nellore, Andhra Pradesh, India
12

Who Uses This Report

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

Verify Janashree Microfin Limited 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 Janashree Microfin Limited: 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 55/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Mixed indicators. Growth score 60/100, margin trends, ownership structure and peer set for Janashree Microfin Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Review suggested. Trust score 66/100, distress signals and MSME payment-delay disclosures - know whether Janashree Microfin Limited 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 Janashree Microfin Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Janashree Microfin Limited an active company?

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

Is Janashree Microfin Limited financially healthy?

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

Should I do business with Janashree Microfin Limited?

Its overall Trust Score is 66/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Janashree Microfin Limited?

Promoters hold a dominant controlling stake - exact percentages are in the full report. 5 active director(s) are on record.

Does Janashree Microfin Limited have loans or charges against its assets?

No open charges - all 1 registered charge(s) stand satisfied, indicating past borrowings were repaid.

Is Janashree Microfin Limited 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 Janashree Microfin Limited?

Its Credit Risk Score is 55/100 (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.