Kuber Kanak Microfinance Association - Due diligence report

A 360° intelligence report on Kuber Kanak Microfinance Association: trust score, financial health, credit view, compliance, directors, growt…

2016-02-19 Lucknow, Uttar Pradesh Active Unlisted Active Compliant
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KK Kuber Kanak Microfinance Association
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Kuber Kanak Microfinance Association — 360° Intelligence Report

Generated from MCA filings & public records
88/100
Trust Score
Low Risk

Kuber Kanak Microfinance Association is assessed as Low Risk with a Trust Score of 88/100. Kuber Kanak Microfinance Association is an active private not for profit company incorporated in 2016, operating in the Financial Services sector. The company has shown revenue growth across its recent filed years. 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 27 Jul 2026 from the latest processed filings. Kuber Kanak Microfinance Association 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
88/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
100/100
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
80/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreModerate
55/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
90/100
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.

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: 80/100 Low Risk
  • Moderate gearing (D/E 38%).
  • Working-capital cover adequate.
  • Profitable - internal accruals available.

Charges position: 1 open (50.00 Lakh) · 3 satisfied (74.00 Lakh).

Banking relationships (from registered charges)
LenderChargesAmount
Others3 48.0 cr
State Bank Of India1 48.0 cr
Compliance Score: 100/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • 1 active GST registration(s).
05

Director Intelligence

Stability score: 55/100
NameDIN / PANDesignationAppointedTenureDIN status
PRITY AGARWAL 01234567 Director 01/04/2018 6 yrs Approved
SOMNATH SEN 01234567 Director 01/04/2018 6 yrs Approved
ABHIK MITRA 01234567 Director 01/04/2018 6 yrs Approved
ROHIT DROLIA 01234567 Director 01/04/2018 6 yrs Approved
  • 4 directors on the board.
  • SOMNATH SEN has DIN status "Deactivated due to non-filing of DIR-3 KYC".
  • Stable board - no exits in 3 years.
  • Average tenure above 5 years.
Director & KMP remuneration (FY 2023)
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 2023 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
5 allotment(s) · 2 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 90 · Distress 80
Growth signals & trust indicators
Revenue acceleration: +1.42 over 4 year(s).
Latest year revenue grew 2.1x.
Profit expanded 24% year-on-year.
Operating for 10+ years.
Active GST registration(s).
Distress signals & risk flags
Outside liabilities up 0.86 in a year.
1 open charge(s) registered - assets are encumbered.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence90/100
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 assessment90/100
Favourable lending indicators
Indicative lending comfort for banks, NBFCs and trade credit.
  • Debt capacity assessed from filed statements.
  • 1 open charge(s) of 50.00 Lakh already registered.
  • Compliance record supports lending.
Investor view91/100
Positive growth indicators
Growth quality and scalability through an investor lens.
  • 3 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management churn warrants questions.
09

MCA Filings & Events Timeline

Latest 15 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
18 Aug 2022
Charge satisfied
State Bank Of India
25 May 2022
Charge created
Others - 50.00 Lakh
11 Jan 2021
Director appointed
ROHIT DROLIA (Director)
Director ceased
NISHA DROLIA
18 Feb 2020
Director ceased
SWAGATA BOSE
Director ceased
SANGEETA SARKAR
06 Feb 2020
Charge satisfied
Others
16 Dec 2019
Securities allotted
850000 Equity Shares - 85.00 Lakh raised
17 Jun 2019
Charge satisfied
Others
12 Jun 2019
Director ceased
ROOMA MITRA
11 Jun 2019
Director appointed
PRITY AGARWAL (Additional Director)
Director appointed
SOMNATH SEN (Additional Director)
Director appointed
ABHIK MITRA (Additional Director)
10

Key Observations

Auto-generated from the data above
Revenue grew 61% over the last 4 financial year(s).
Net profit margin moved from 38% to 1.42.
Debt-to-equity stands at 2.1x - manageable leverage.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
4 active director(s) / partner(s); review board churn before relying on management continuity.
1 active GST registration(s) indicate ongoing business operations.
Promoters hold the largest single block of equity as per the FY 2023 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 5 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Megabid Finance & Investment Private Limited U65993TG1995PTC019355 Shaikpet, Telangana, India
Raghuvir Sales Pvt Ltd U51909WB1995PTC070727 Kolkata, West Bengal, India
Swan Fin Consultancy Private Limited U65999MP2016PTC041096 Indore, Madhya Pradesh, India
Geethanvi Chit Funds Private Limited U67100TG2017PTC114325 Shaikpet, Telangana, India
Movement Advertising & Marketing Private Limited U74300MH1995PTC089079 Mumbai, Maharashtra, India
Chitperi Farm Pvt Ltd. U01407WB1989PTC046976 Kolkata, West Bengal, India
Fastner Mercantile Pvt Ltd U51909WB1996PTC077144 Kolkata, West Bengal, India
Munjal Investments Pvt Ltd U67120PB1981PTC004752 Punjab, Punjab, India
12

Who Uses This Report

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

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

Company Secretaries (CS)

Track statutory health of Kuber Kanak Microfinance Association: 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 80/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Positive growth indicators. Growth score 90/100, margin trends, ownership structure and peer set for Kuber Kanak Microfinance Association - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 88/100, distress signals and MSME payment-delay disclosures - know whether Kuber Kanak Microfinance Association 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 Kuber Kanak Microfinance Association - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Kuber Kanak Microfinance Association an active company?

Kuber Kanak Microfinance Association has MCA status “Active” with a compliance score of 100/100 (Low Risk).

Is Kuber Kanak Microfinance Association financially healthy?

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

Should I do business with Kuber Kanak Microfinance Association?

Its overall Trust Score is 88/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Kuber Kanak Microfinance Association?

Promoters hold the largest single block of equity - exact percentages are in the full report. 4 active director(s) are on record.

Does Kuber Kanak Microfinance Association have loans or charges against its assets?

1 open charge(s) are registered against its assets, and 3 earlier charge(s) stand satisfied.

Is Kuber Kanak Microfinance Association up to date with its ROC filings?

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

Is it risky to lend to Kuber Kanak Microfinance Association?

Its Credit Risk Score is 80/100 (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.