Janmabhoomi Chits Limited - Due diligence report

A 360° intelligence report on Janmabhoomi Chits Limited: trust score, financial health, credit view, compliance, directors, growth and distr…

1982-02-03 Thrissur, Kerala Active Unlisted Active Compliant
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Janmabhoomi Chits Limited — 360° Intelligence Report

Generated from MCA filings & public records
79/100
Trust Score
Low Risk

Janmabhoomi Chits Limited is assessed as Low Risk with a Trust Score of 79/100. Janmabhoomi Chits Limited is an active public limited indian non-government company incorporated in 1982, operating in the Financial Services sector. Reported revenue has declined 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 moderate financial risk profile.

Report generated on 16 Aug 2026 from the latest processed filings. Janmabhoomi Chits Limited snapshot & full profile →

Financial Health › Neutral
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
79/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
86/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
50/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
45/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreCaution Indicated
45/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
80/100
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: 45/100 Caution Indicated
  • Negative operating earnings - debt service depends on external support.
  • No open charges - unencumbered balance sheet.

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

Compliance Score: 86/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • Litigation present in 2 court forum(s).
  • 1 active GST registration(s).
Legal cases on record (2)
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
NIVIN VINCENT 01234567 Director 01/04/2018 6 yrs Approved
ABBY JACOB PONMANISSERY 01234567 Director 01/04/2018 6 yrs Approved
JOSE THOMMAN PULIKKAN 01234567 Director 01/04/2018 6 yrs Approved
JOHNSON CHACKO PANDINJARATHALA CHIRAMMAL 01234567 Director 01/04/2018 6 yrs Approved
CHIRIANKANDATH PALU JOSE 01234567 Director 01/04/2018 6 yrs Approved
THARAKAN RAPPAI THOMAS 01234567 Director 01/04/2018 6 yrs Approved
ANTO DAVIS AKKARA 01234567 Director 01/04/2018 6 yrs Approved
PALATHINGAL ANTONY JOSE 01234567 Director 01/04/2018 6 yrs Approved
KUNNATHUPEEDIKAYIL ABDUTTY ABDULRAHIMAN 01234567 Director 01/04/2018 6 yrs Approved
  • 9 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 2017)
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 2021 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
9 allotment(s) · 3 transfer(s)

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

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 45 · Distress 80
Growth signals & trust indicators
Asset base grew 38% - capacity expansion.
Operating for 44+ years.
Active GST registration(s).
Distress signals & risk flags
Outside liabilities up 1.42 in a year.
2 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence82/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • 1 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment57/100
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 view55/100
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
16 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
30 May 2023
Director appointed
NIVIN VINCENT (Director)
11 Nov 2021
Securities allotted
207 Equity Shares Without Differential Rights - 2.07 Lakh raised
28 Jan 2020
Securities allotted
64 Equity Shares Without Differential Rights - 64,000.00 raised
02 Jan 2020
Securities allotted
20 Equity Shares Without Differential Rights - 20,000.00 raised
12 Dec 2019
Securities allotted
55 Equity Shares Without Differential Rights - 55,000.00 raised
16 Oct 2019
Securities allotted
25 Equity Shares Without Differential Rights - 25,000.00 raised
12 Sep 2019
Director ceased
JOSE ANTONY THATTIL
20 Dec 2017
Securities allotted
350 Equity Shares - 3.50 Lakh raised
31 Mar 2016
Share transfer (FY 2016)
10.00000000 shares to CHAKKUNNY
Share transfer (FY 2016)
1.00000000 shares to TESSY K A
Share transfer (FY 2016)
1.00000000 shares to MOLLY
21 Aug 2015
Director ceased
CHITTILAPPILLY DEVASSY VINCENT
Director ceased
THARAKAN RAPPAI THOMAS
10

Key Observations

Auto-generated from the data above
Revenue declined 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.
9 active director(s) / partner(s); board looks stable and experienced.
1 active GST registration(s) indicate ongoing business operations.
Promoters hold a majority stake as per the FY 2021 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 9 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Sree Guru Krishna Chit Funds Private Limited U65992TN2012PTC084163 Chennai, Tamil Nadu, India
Sdmj Securities Private Limited U65999DL2009PTC195250 Mahipalpur, Delhi, India
Larigo Investment Pvt Ltd U65993WB1988PTC043824 Kolkata, West Bengal, India
Loans And Kuries Ollur Pvt Ltd U65992KL1981PTC003457 Trichur, Kerala, India
Aap Finance & Infrastructure Private Limited U65993WB1996PTC080087 Kolkata, West Bengal, India
Vanigar Nala Nidhi Limited U65929TN2019PLC129443 Vellore, Tamil Nadu, India
Sap International Private Limited U36900DL2011PTC227575 Delhi, Delhi, India
Etyacol U72200KA2012PTC063749 Bangalore, Karnataka, India
12

Who Uses This Report

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

Verify Janmabhoomi Chits Limited before audits and certifications: compliance score 86/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Janmabhoomi Chits 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 45/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Mixed indicators. Growth score 45/100, margin trends, ownership structure and peer set for Janmabhoomi Chits Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 79/100, distress signals and MSME payment-delay disclosures - know whether Janmabhoomi Chits Limited 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 Janmabhoomi Chits Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Janmabhoomi Chits Limited an active company?

Janmabhoomi Chits Limited has MCA status “Active” with a compliance score of 86/100 (Low Risk).

Is Janmabhoomi Chits Limited financially healthy?

Janmabhoomi Chits Limited has a Financial Health Score of 50/100 (Moderate) based on its filed financial statements.

Should I do business with Janmabhoomi Chits Limited?

Its overall Trust Score is 79/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Janmabhoomi Chits Limited?

Promoters hold a majority stake - exact percentages are in the full report. 9 active director(s) are on record.

Does Janmabhoomi Chits Limited have loans or charges against its assets?

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

Is Janmabhoomi Chits Limited up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 86/100 (Low Risk).

Is it risky to lend to Janmabhoomi Chits Limited?

Its Credit Risk Score is 45/100 (Caution Indicated). 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.