Lichfl Financial Services Limited - Due diligence report

A 360° intelligence report on Lichfl Financial Services Limited: trust score, financial health, credit view, compliance, directors, growth a…

2007-10-31 Mumbai, Maharashtra Active Unlisted Active Compliant
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Lichfl Financial Services Limited — 360° Intelligence Report

Generated from MCA filings & public records
82/100
Trust Score
Low Risk

Lichfl Financial Services Limited is assessed as Low Risk with a Trust Score of 82/100. Lichfl Financial Services Limited is an active public limited indian non-government company incorporated in 2007, 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 moderate compliance risk and low financial risk profile.

Report generated on 17 Aug 2026 from the latest processed filings. Lichfl Financial Services Limited 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
82/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
70/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
90/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreLow Risk
90/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
75/100
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.

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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: 90/100 Low Risk
  • Liabilities ≈ 38% EBITDA - serviceable.
  • No open charges - unencumbered balance sheet.
  • Working-capital cover adequate.
  • Profitable - internal accruals available.

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

Compliance Score: 70/100 Moderate
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • Flagged by authority: IRDA.
  • 19 active GST registration(s).
05

Director Intelligence

Stability score: 75/100
NameDIN / PANDesignationAppointedTenureDIN status
TRIBHUWAN . ADHIKARI 01234567 Director 01/04/2018 6 yrs Approved
SWAPNA SHASHANK SURVE 01234567 Director 01/04/2018 6 yrs Approved
Gourab Chand 01234567 Director 01/04/2018 6 yrs Approved
Pankaj Gopal 01234567 Director 01/04/2018 6 yrs Approved
Ganesh Kinkar Jena 01234567 Director 01/04/2018 6 yrs Approved
Pankaj Gopal 01234567 Director 01/04/2018 6 yrs Approved
Sandeep Kumar 01234567 Director 01/04/2018 6 yrs Approved
Sandeep Kumar 01234567 Director 01/04/2018 6 yrs Approved
  • 8 directors on the board.
  • No disqualified or deactivated DINs.
  • 6 director exits in 3 years - high churn.
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
Lic Housing Finance Ltd
Subsidiaries
-
Group entities
-
Capital events
4 allotment(s) · 15 transfer(s)

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

Group entityRelationship% held
Lic Housing Finance Ltd Holding Company 74.00%

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 90 · Distress 80
Growth signals & trust indicators
Steady revenue growth: +1.42 over 4 year(s).
Latest year revenue grew 2.1x.
Profit expanded 24% year-on-year.
Asset base grew 0.86 - capacity expansion.
Net margin improved to 61%.
Operating for 18+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
3 director exits within 2 years.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence77/100
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 assessment85/100
Favourable lending indicators
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 view88/100
Positive growth indicators
Growth quality and scalability through an investor lens.
  • 5 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 15 events
22 Sep 2025
Director appointed
Sandeep Kumar (Ceo)
12 Aug 2025
Director appointed
Sandeep Kumar (Additional Director)
23 Jul 2025
Last AGM held
Annual general meeting
22 Jul 2025
Director ceased
Pankaj Gopal
Director ceased
Ganesh Kinkar Jena
02 May 2025
Director appointed
Ganesh Kinkar Jena (Nominee Director)
31 Mar 2025
Latest balance sheet
Filed with ROC
05 Dec 2024
Director appointed
Pankaj Gopal (Ceo)
08 Nov 2024
Director appointed
Pankaj Gopal (Additional Director)
19 Sep 2024
Director ceased
Gourab Chand
29 Apr 2024
Director appointed
Gourab Chand (Nominee Director)
26 Sep 2023
Director ceased
PRADEEP PRABHAKAR KELKAR
Director ceased
MUKTESH CHANDRA CHATURVEDI
Director ceased
TRIBHUWAN . ADHIKARI
12 Jul 2023
Director appointed
TRIBHUWAN . ADHIKARI (Nominee Director)
10

Key Observations

Auto-generated from the data above
Revenue grew 38% over the last 4 financial year(s).
Net profit margin moved from 1.42 to 2.1x.
Net worth is positive.
8 active director(s) / partner(s); board looks stable and experienced.
19 active GST registration(s) indicate ongoing business operations.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a dominant controlling stake 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 4 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Tara Capital Partners India Private Limited U74999MH2018PTC309518 Mumbai, Maharashtra, India
Carron Investments Private Limited U67120MH1995PTC092432 Mumbai, Maharashtra, India
G.Das Commodity And Derivatives Broker Private Limited U51100MH2004PTC146717 Mumbai, Maharashtra, India
Radico Khaitan Finance Limited L74899DL1984PLC019092 New Delhi, Delhi, India
Rudraveerya Infraprojects Private Limited U43299DL2010PTC205844 Delhi, Delhi, India
Oxigen U74999DL2003PTC121961 New Delhi, Delhi, India
Marvelous Buildinfra Private Limited U45400MH2011PTC219448 Mumbai, Maharashtra, India
Shrilekha Business Consultancy Private Limited U74999TN2017PTC114086 Chennai, Tamil Nadu, India
12

Who Uses This Report

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

Verify Lichfl Financial Services Limited before audits and certifications: compliance score 70/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Lichfl Financial Services 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: Favourable lending indicators. Credit risk score 90/100, 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 Lichfl Financial Services Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 82/100, distress signals and MSME payment-delay disclosures - know whether Lichfl Financial Services Limited 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 Lichfl Financial Services Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Lichfl Financial Services Limited an active company?

Lichfl Financial Services Limited has MCA status “Active” with a compliance score of 70/100 (Moderate).

Is Lichfl Financial Services Limited financially healthy?

Lichfl Financial Services Limited has a Financial Health Score of 90/100 (Low Risk) based on its filed financial statements.

Should I do business with Lichfl Financial Services Limited?

Its overall Trust Score is 82/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Lichfl Financial Services Limited?

The ultimate holding entity is Lic Housing Finance Ltd. 8 active director(s) are on record.

Does Lichfl Financial Services Limited have loans or charges against its assets?

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

Is Lichfl Financial Services Limited up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 70/100 (Moderate).

Is it risky to lend to Lichfl Financial Services Limited?

Its Credit Risk Score is 90/100 (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.