Luminous Educational Training Centre Private Limited - Due diligence report

A 360° intelligence report on Luminous Educational Training Centre Private Limited: trust score, financial health, credit view, compliance, …

2013-09-02 Bangalore, Karnataka Active Unlisted Active Compliant
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Luminous Educational Training Centre Private Limited — 360° Intelligence Report

Generated from MCA filings & public records
49/100
Trust Score
Caution Indicated

Luminous Educational Training Centre Private Limited is assessed as Caution Indicated with a Trust Score of 49/100. Luminous Educational Training Centre Private Limited is an active private limited indian non-government company incorporated in 2013, operating in the Education 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 moderate compliance risk and high financial risk profile.

Report generated on 13 Jul 2026 from the latest processed filings. Luminous Educational Training Centre Private Limited snapshot & full profile →

Financial Health › Caution
Overall Assessment CautionWeakNeutralGoodStrong Neutral
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 ScoreCaution Indicated
49/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
70/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
5/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
40/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreModerate
50/100
Board strength, DIN status, churn and network.
Growth ScoreCaution Indicated
45/100
Revenue, profit, asset and hiring momentum.
Distress ScoreCaution Indicated
30/100
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: 40/100 Caution Indicated
  • Negative operating earnings - debt service depends on external support.

Charges position: 1 open (26.83 Lakh) · 0 satisfied (-).

Banking relationships (from registered charges)
LenderChargesAmount
Hdfc Bank Limited1 48.0 cr
Compliance Score: 70/100 Moderate
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • Flagged by authority: MCA.
  • 1 active GST registration(s).
05

Director Intelligence

Stability score: 50/100
NameDIN / PANDesignationAppointedTenureDIN status
ANEESABI 01234567 Director 01/04/2018 6 yrs Approved
UMA DORESWAMY 01234567 Director 01/04/2018 6 yrs Approved
GOKULANATH KESHAVELU 01234567 Director 01/04/2018 6 yrs Approved
  • 3 directors on the board.
  • UMA DORESWAMY has DIN status "Disqualified by RoC u/s 164(2)".
  • Stable board - no exits in 3 years.
06

Ownership & Group Intelligence

As per FY 2019 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
-

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

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 45 · Distress 30
Growth signals & trust indicators
Asset base grew 38% - capacity expansion.
Operating for 12+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
Losses deepening year-on-year.
Outside liabilities up 1.42 in a year.
Negative net worth.
1 open charge(s) registered - assets are encumbered.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence52/100
Review suggested
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • 4 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment37/100
Enhanced diligence advised
Indicative lending comfort for banks, NBFCs and trade credit.
  • Debt capacity assessed from filed statements.
  • 1 open charge(s) of 26.83 Lakh already registered.
  • Compliance record supports lending.
Investor view32/100
Limited indicators at present
Growth quality and scalability through an investor lens.
  • 1 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management churn warrants questions.
09

MCA Filings & Events Timeline

Latest 12 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
31 Dec 2024
Charge created
Hdfc Bank Limited - 26.83 Lakh
31 Mar 2023
Director appointed
UMA DORESWAMY (Director)
Director appointed
GOKULANATH KESHAVELU (Director)
22 Sep 2021
Director ceased
GOTTIKERE RANGEGOWDA LATHA
31 Dec 2020
Director ceased
PADMAVATHI
09 Nov 2019
Director ceased
UMA DORESWAMY
Director ceased
GOKULANATH KESHAVELU
23 Sep 2019
Director appointed
ANEESABI (Director)
29 Sep 2016
Director ceased
RAVI KUMAR
02 Sep 2013
Incorporated
Registered with Roc Bangalore
10

Key Observations

Auto-generated from the data above
Revenue declined 2.1x over the last 4 financial year(s).
Net profit margin moved from 24% to 0.86.
3 active director(s) / partner(s); review board churn before relying on management continuity.
1 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 2019 annual return.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Beacon Par Excellence Private Limited U74999PN2017PTC169778 Pune, Maharashtra, India
Sri Mega Study Circle Private Limited U74999TG2006PTC051170 Hyderabad, Telangana, India
Vijendra Singh Academy Private Limited U80904MP2017PTC042668 Vidisha, Madhya Pradesh, India
Feat Educational Ventures Private Limited U80302MP2013PTC031530 Indore, Madhya Pradesh, India
Indian Institute Of Psychometry U72200WB1978NPL031582 Kolkata, West Bengal, India
Smartprepindia U80903DL2011PTC290559 Delhi, Delhi, India
Stargate E-Learning Private Limited U74999DL2016PTC305421 New Delhi, Delhi, India
Attest Testing Services Limited U72200MH2004PLC144003 Mumbai, Maharashtra, India
12

Who Uses This Report

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

Verify Luminous Educational Training Centre Private 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 Luminous Educational Training Centre 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: Enhanced diligence advised. Credit risk score 40/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Limited indicators at present. Growth score 45/100, margin trends, ownership structure and peer set for Luminous Educational Training Centre Private Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Review suggested. Trust score 49/100, distress signals and MSME payment-delay disclosures - know whether Luminous Educational Training Centre Private 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 Luminous Educational Training Centre Private Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Luminous Educational Training Centre Private Limited an active company?

Luminous Educational Training Centre Private Limited has MCA status “Active” with a compliance score of 70/100 (Moderate).

Is Luminous Educational Training Centre Private Limited financially healthy?

Luminous Educational Training Centre Private Limited has a Financial Health Score of 5/100 (Caution Indicated) based on its filed financial statements.

Should I do business with Luminous Educational Training Centre Private Limited?

Its overall Trust Score is 49/100 (Caution Indicated). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Luminous Educational Training Centre Private Limited?

Promoters hold a dominant controlling stake - exact percentages are in the full report. 3 active director(s) are on record.

Does Luminous Educational Training Centre Private Limited have loans or charges against its assets?

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

Is Luminous Educational Training Centre Private 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 Luminous Educational Training Centre Private Limited?

Its Credit Risk Score is 40/100 (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.