Kshitiz Micro Credit Foundation - Due diligence report

A 360° intelligence report on Kshitiz Micro Credit Foundation: trust score, financial health, credit view, compliance, directors, growth and…

2016-12-19 Varanasi, Uttar Pradesh Active Unlisted Active Compliant
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KM Kshitiz Micro Credit Foundation
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Kshitiz Micro Credit Foundation — 360° Intelligence Report

Generated from MCA filings & public records
74/100
Trust Score
Moderate

Kshitiz Micro Credit Foundation is assessed as Moderate with a Trust Score of 74/100. Kshitiz Micro Credit Foundation is an active public not for profit company incorporated in 2016, 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 low compliance risk and moderate financial risk profile.

Report generated on 17 Jul 2026 from the latest processed filings. Kshitiz Micro Credit Foundation snapshot & full profile →

Financial Health › Good
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 ScoreModerate
74/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
75/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
60/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
60/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
85/100
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: 60/100 Moderate
  • Liabilities ≈ 38% EBITDA - stretched.
  • No open charges - unencumbered balance sheet.
  • Moderate gearing (D/E 1.42).
  • Working-capital cover adequate.

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 2020 - filings overdue.
05

Director Intelligence

Stability score: 85/100
NameDIN / PANDesignationAppointedTenureDIN status
Rohit Pathak 01234567 Director 01/04/2018 6 yrs Approved
Mohit Pathak 01234567 Director 01/04/2018 6 yrs Approved
Rohit Kumar 01234567 Director 01/04/2018 6 yrs Approved
AMIT KUMAR SHARMA 01234567 Director 01/04/2018 6 yrs Approved
SANDHYA SHARMA 01234567 Director 01/04/2018 6 yrs Approved
  • 5 directors on the board.
  • No disqualified or deactivated DINs.
  • 1 director exit(s) in the last 3 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 2017 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
6 allotment(s) · 0 transfer(s)

Promoters hold the largest single block of equity - 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 9 years.
Active EPFO - real payroll on record.
Distress signals & risk flags
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.
  • 1 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment64/100
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 view40/100
Limited indicators at present
Growth quality and scalability through an investor lens.
  • No clear growth signals in the filed years.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 15 events
05 Jan 2024
Director ceased
YOGESH KUMAR VERMA
04 Jan 2024
Director appointed
Rohit Pathak (Director)
Director appointed
Mohit Pathak (Director)
Director appointed
Rohit Kumar (Director)
31 Dec 2020
Last AGM held
Annual general meeting
31 Mar 2020
Latest balance sheet
Filed with ROC
13 Jul 2019
Director appointed
SANDHYA SHARMA (Director)
Director ceased
ANAND KUMAR SINGH
Director ceased
SUSHIL KUMAR RAI
14 Jun 2019
Director ceased
AJAY KUMAR VERMA
01 Oct 2018
Director ceased
RAMBALI PATEL
26 Jul 2018
Director ceased
ASHISH SINGH
22 May 2018
Securities allotted
20000 Equity Shares - 2.00 Lakh raised
11 Apr 2018
Securities allotted
20000 Equity Shares - 2.00 Lakh raised
19 Sep 2017
Securities allotted
2000 Equity Shares - 20,000.00 raised
10

Key Observations

Auto-generated from the data above
Compliance record is strong - status, filings and flags are clean.
5 active director(s) / partner(s); board looks stable and experienced.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold the largest single block of equity as per the FY 2017 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 6 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Taneka Exim Private Limited U51311MH1998PTC113323 Mumbai, Maharashtra, India
Shine Vision Producer Company Limited U01403UP2015PTC070773 Aligarh, Uttar Pradesh, India
Prince Motor Finance Company Limited U65921DL1997PLC085806 New Delhi, Delhi, India
Yajurved Consultants Private Limited U74140WB2008PTC126393 Kolkata, West Bengal, India
Golden Dharohar Chit Funds Private Limited U65992TG2014PTC096738 Hyderabad, Telangana, India
Asma Financial Solutions Private Limited U66000JH2009PTC013603 Jamshedpur, Jharkhand, India
Hpr Chits Private Limited U65992HR2008PTC038402 Gurgaon, Haryana, India
Gajria Jayna Precision Industries Private Limited U74899DL1981PTC012271 New Delhi, Delhi, India
12

Who Uses This Report

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

Verify Kshitiz Micro Credit Foundation 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 Kshitiz Micro Credit Foundation: 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 60/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Limited indicators at present. Growth score n/a, margin trends, ownership structure and peer set for Kshitiz Micro Credit Foundation - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 74/100, distress signals and MSME payment-delay disclosures - know whether Kshitiz Micro Credit Foundation 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 Kshitiz Micro Credit Foundation - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Kshitiz Micro Credit Foundation an active company?

Kshitiz Micro Credit Foundation has MCA status “Active” with a compliance score of 75/100 (Low Risk).

Is Kshitiz Micro Credit Foundation financially healthy?

Kshitiz Micro Credit Foundation has a Financial Health Score of 60/100 (Moderate) based on its filed financial statements.

Should I do business with Kshitiz Micro Credit Foundation?

Its overall Trust Score is 74/100 (Moderate). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Kshitiz Micro Credit Foundation?

Promoters hold the largest single block of equity - exact percentages are in the full report. 5 active director(s) are on record.

Does Kshitiz Micro Credit Foundation have loans or charges against its assets?

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

Is Kshitiz Micro Credit Foundation up to date with its ROC filings?

Last balance sheet is for Mar 2020 - filings overdue. Overall compliance score: 75/100 (Low Risk).

Is it risky to lend to Kshitiz Micro Credit Foundation?

Its Credit Risk Score is 60/100 (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.