Libra Finance Limited - Due diligence report

A 360° intelligence report on Libra Finance Limited: trust score, financial health, credit view, compliance, directors, growth and distress …

1981-05-05 Delhi, Delhi Active Unlisted Active Non-Compliant
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Libra Finance Limited — 360° Intelligence Report

Generated from MCA filings & public records
48/100
Trust Score
Caution Indicated

Libra Finance Limited is assessed as Caution Indicated with a Trust Score of 48/100. Libra Finance Limited is an active public limited indian non-government company incorporated in 1981, 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 high compliance risk and high financial risk profile.

Report generated on 17 Aug 2026 from the latest processed filings. Libra Finance Limited snapshot & full profile →

Financial Health › Weak
Overall Assessment CautionWeakNeutralGoodStrong Neutral
Compliance › Caution

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 ScoreCaution Indicated
48/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
18/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
30/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
30/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreCaution Indicated
40/100
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: 30/100 Caution Indicated
  • Liabilities ≈ 38% EBITDA - stretched.
  • Open charges exceed net worth - secured lenders rank ahead.

Charges position: 5 open (16.64 cr) · 0 satisfied (-).

Banking relationships (from registered charges)
LenderChargesAmount
Punjab & Sind Bank5 48.0 cr
Compliance Score: 18/100 Caution Indicated
  • Company status is Active as per MCA.
  • Marked ACTIVE non-compliant (INC-22A).
  • Last balance sheet is for Mar 2015 - filings overdue.
  • Flagged by authority: BANKS, FIU, IRDA.
  • Litigation present in 1 court forum(s).
Legal cases on record (1)
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
AMAR PAL KAUR 01234567 Director 01/04/2018 6 yrs Approved
HARJIT SINGH 01234567 Director 01/04/2018 6 yrs Approved
GURBIKRAM SINGH 01234567 Director 01/04/2018 6 yrs Approved
  • 3 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 2015 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
-

Key managerial personnel: HARJIT SINGH (Managing Director) · GURBIKRAM SINGH (Whole-time director)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 40 · Distress 50
Growth signals & trust indicators
Operating for 45+ years.
Distress signals & risk flags
Revenue declined year-on-year.
Losses deepening year-on-year.
Statutory filings appear overdue.
Compliance score is weak (18/100).
5 open charge(s) registered - assets are encumbered.
1 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence37/100
Caution indicated
Suitability as a supplier / customer counterparty.
  • Check the compliance flags before onboarding.
  • 3 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment27/100
Enhanced diligence advised
Indicative lending comfort for banks, NBFCs and trade credit.
  • Debt capacity assessed from filed statements.
  • 5 open charge(s) of 16.64 cr already registered.
  • Compliance gaps should be priced into terms.
Investor view38/100
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
30 Sep 2015
Last AGM held
Annual general meeting
18 Jul 2015
Director ceased
PARVEEN KAUR
31 Mar 2015
Latest balance sheet
Filed with ROC
18 Oct 2011
Charge created
Punjab & Sind Bank - 61.00 Lakh
23 May 2008
Director ceased
AMAR PAL KAUR
07 May 2008
Charge created
Punjab & Sind Bank - 8.50 cr
10 Sep 2007
Director appointed
AMAR PAL KAUR (Director)
01 May 2007
Director ceased
MANREET SINGH
01 Oct 2006
Director ceased
GURBIKRAM SINGH
24 Dec 2005
Charge created
Punjab & Sind Bank - 6.35 cr
17 Mar 2004
Director appointed
GURBIKRAM SINGH (Whole-time director)
01 Jan 1994
Charge created
Punjab & Sind Bank - 48.40 Lakh
23 Sep 1992
Charge created
Punjab & Sind Bank - 70.00 Lakh
05 May 1981
Incorporated
Registered with Roc Delhi
Director appointed
HARJIT SINGH (Managing Director)
10

Key Observations

Auto-generated from the data above
Revenue declined 1.42 over the last 4 financial year(s).
Net profit margin moved from 2.1x to 24%.
Debt-to-equity stands at 0.86 - leverage worth monitoring.
Net worth is positive.
3 active director(s) / partner(s); board looks stable and experienced.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Capstan Trading Private Limited U51900MH1994PTC082255 Mumbai, Maharashtra, India
Passion Trail Limited U52397DL2011PLC222979 Delhi, Delhi, India
Bircort Vincom Pvt.Ltd. U51109WB1995PTC069856 Kolkata, West Bengal, India
Rajendra And Ursula Joshi Holdings Private Limited U67120RJ2013PTC041646 Jaipur, Rajasthan, India
Ajax Business Services Ltd U55101WB1973PLC028744 Kolkata, West Bengal, India
Pspl Wealth Management Private Limited U51100DL2013PTC249944 New Delhi, Delhi, India
Frank Merchant Bankers Limited U65990MH1994PLC081946 Mumbai, Maharashtra, India
Gangaur Properties Pvt Ltd U70109WB1987PTC042664 Kolkata, West Bengal, India
12

Who Uses This Report

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

Verify Libra Finance Limited before audits and certifications: compliance score 18/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Libra Finance 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: Enhanced diligence advised. Credit risk score 30/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Limited indicators at present. Growth score 40/100, margin trends, ownership structure and peer set for Libra Finance Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Caution indicated. Trust score 48/100, distress signals and MSME payment-delay disclosures - know whether Libra Finance 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 Libra Finance Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Libra Finance Limited an active company?

Libra Finance Limited has MCA status “Active” with a compliance score of 18/100 (Caution Indicated).

Is Libra Finance Limited financially healthy?

Libra Finance Limited has a Financial Health Score of 30/100 (Caution Indicated) based on its filed financial statements.

Should I do business with Libra Finance Limited?

Its overall Trust Score is 48/100 (Caution Indicated). Vendor verdict: Caution indicated. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Libra Finance Limited?

See the directors and ownership sections above for board and shareholding detail. 3 active director(s) are on record.

Does Libra Finance Limited have loans or charges against its assets?

5 open charge(s) are registered against its assets.

Is Libra Finance Limited up to date with its ROC filings?

Marked ACTIVE non-compliant (INC-22A). Overall compliance score: 18/100 (Caution Indicated).

Is it risky to lend to Libra Finance Limited?

Its Credit Risk Score is 30/100 (Caution Indicated). Banker verdict: Enhanced diligence advised.

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.