Kulathunkal Chits Private Limited - Due diligence report

A 360° intelligence report on Kulathunkal Chits Private Limited: trust score, financial health, credit view, compliance, directors, growth a…

2012-12-18 Kanjirappally, Kerala Active Unlisted Active Compliant
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KC Kulathunkal Chits Private Limited
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Kulathunkal Chits Private Limited — 360° Intelligence Report

Generated from MCA filings & public records
76/100
Trust Score
Low Risk

Kulathunkal Chits Private Limited is assessed as Low Risk with a Trust Score of 76/100. Kulathunkal Chits Private Limited is an active private limited indian non-government company incorporated in 2012, 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 17 Jul 2026 from the latest processed filings. Kulathunkal Chits Private 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
76/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
93/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
50/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
60/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreCaution Indicated
45/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
50/100
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: 60/100 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.

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

Compliance Score: 93/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • Litigation present in 1 court forum(s).
Legal cases on record (1)
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
MARYKUTTY SEBASTIAN 01234567 Director 01/04/2018 6 yrs Approved
CHINNAMMA MATHEW 01234567 Director 01/04/2018 6 yrs Approved
  • 2 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 2024 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
1 allotment(s) · 0 transfer(s)

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

Key managerial personnel: CHINNAMMA MATHEW (Managing Director)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 45 · Distress 50
Growth signals & trust indicators
Asset base grew 1.42 - capacity expansion.
Operating for 13+ years.
Distress signals & risk flags
Revenue declined year-on-year.
Losses deepening year-on-year.
Outside liabilities up 2.1x in a year.
1 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence75/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • 3 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 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 6 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
26 May 2014
Securities allotted
10000.00 Equity Shares - 10.00 Lakh raised
18 Dec 2012
Incorporated
Registered with Roc Ernakulam
Director appointed
MARYKUTTY SEBASTIAN (Director)
Director appointed
CHINNAMMA MATHEW (Managing Director)
10

Key Observations

Auto-generated from the data above
Revenue declined 24% over the last 4 financial year(s).
Net profit margin moved from 0.86 to 61%.
Debt-to-equity stands at 38% - manageable leverage.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
2 active director(s) / partner(s); board looks stable and experienced.
Promoters hold a dominant controlling stake as per the FY 2024 annual return.
Capital has been raised through 1 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Shyam Basic Infrastructure Projects Pvt.Ltd.(Transferred From Nct Of Delhi) U64201RJ1996PTC020005 Jaipur, Rajasthan, India
Midas Capital Pvt.Ltd. U67120WB1995PTC071002 Kolkata, West Bengal, India
Arhan Wealth Advisory Private Limited U74140WB2011PTC171041 Kolkata, West Bengal, India
Miracle Vintrade Private Limited U51909WB2009PTC133396 Kolkata, West Bengal, India
Jatayu Trading Pvt Ltd U51109WB1993PTC058982 Kolkata, West Bengal, India
Universal Youth Card Horizon Private Limited U74120UP2015PTC070232 Noida, Uttar Pradesh, India
Zydus Strategic Investments Limited U65999GJ2020PLC114493 Ahmedabad, Gujarat, India
Rajdarbar Capital Private Limited U67120UP1991PTC072465 Agra, Uttar Pradesh, India
12

Who Uses This Report

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

Verify Kulathunkal Chits Private Limited before audits and certifications: compliance score 93/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Kulathunkal Chits Private 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 60/100, 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 Kulathunkal Chits Private Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 76/100, distress signals and MSME payment-delay disclosures - know whether Kulathunkal Chits Private Limited pays its suppliers before you extend credit terms.

Lawyers & Compliance Teams

Litigation footprint (1 case(s) on record), regulatory flags, charge documents trail and director networks for Kulathunkal Chits Private Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Kulathunkal Chits Private Limited an active company?

Kulathunkal Chits Private Limited has MCA status “Active” with a compliance score of 93/100 (Low Risk).

Is Kulathunkal Chits Private Limited financially healthy?

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

Should I do business with Kulathunkal Chits Private Limited?

Its overall Trust Score is 76/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Kulathunkal Chits Private Limited?

Promoters hold a dominant controlling stake - exact percentages are in the full report. 2 active director(s) are on record.

Does Kulathunkal Chits Private Limited have loans or charges against its assets?

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

Is Kulathunkal Chits Private Limited up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 93/100 (Low Risk).

Is it risky to lend to Kulathunkal Chits Private Limited?

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.