Maple Credits Pvt Ltd - Due diligence report

A 360° intelligence report on Maple Credits Pvt Ltd: trust score, financial health, credit view, compliance, directors, growth and distress …

1993-06-24 Kolkata, West Bengal Active Unlisted Active Compliant
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MC Maple Credits Pvt Ltd
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Maple Credits Pvt Ltd — 360° Intelligence Report

Generated from MCA filings & public records
74/100
Trust Score
Moderate

Maple Credits Pvt Ltd is assessed as Moderate with a Trust Score of 74/100. Maple Credits Pvt Ltd is an active private limited indian non-government company incorporated in 1993, operating in the Financial Services sector. Reported revenue has declined 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 moderate financial risk profile.

Report generated on 14 Jul 2026 from the latest processed filings. Maple Credits Pvt Ltd snapshot & full profile →

Financial Health › Strong
Overall Assessment CautionWeakNeutralGoodStrong Strong
Compliance › Good

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 ScoreModerate
74/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
60/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
70/100
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
95/100
Board strength, DIN status, churn and network.
Growth ScoreCaution Indicated
45/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
75/100
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: 60/100 Moderate
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • Flagged by authority: FIU.
  • 1 auditor resignation(s) filed - latest: R.Kothari & Company on 2018-03-27.
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
MINAKSHI BHALOTIA 01234567 Director 01/04/2018 6 yrs Approved
LALIT KUMAR BHALOTIA 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.
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
1
Capital events
5 allotment(s) · 1 transfer(s)

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

Group entityRelationship% held
Kotiratan Promoters Private Limited Associate Company 74.00%

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 45 · Distress 75
Growth signals & trust indicators
Net margin improved to 1.42.
Operating for 33+ years.
Distress signals & risk flags
Revenue declined year-on-year.
1 auditor resignation(s) on record - review the stated reasons.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence69/100
Review suggested
Suitability as a supplier / customer counterparty.
  • Check the compliance flags before onboarding.
  • 1 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment76/100
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 gaps should be priced into terms.
Investor view61/100
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 14 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
31 Mar 2023
Share transfer (FY 2023)
86200.00000000 shares to VIDIT BHALOTIA
23 Aug 2022
Director ceased
SHAILJA BHALOTIA
22 Oct 2020
Securities allotted
45600 Equity Shares - 4.56 Lakh raised
06 May 2010
Director ceased
ADARSH BHALOTIA
31 Mar 2009
Securities allotted
5000.00 Equity Shares - 10.00 Lakh raised
24 Mar 2009
Securities allotted
233828.00 Equity Shares - 23.38 Lakh raised
09 Mar 2009
Securities allotted
47500.00 Equity Shares - 95.00 Lakh raised
04 Mar 2009
Securities allotted
187500.00 Equity Shares - 3.75 cr raised
15 Apr 2008
Director appointed
MINAKSHI BHALOTIA (Director)
14 Dec 2007
Director ceased
SALONI BHALOTIA
24 Jun 2003
Director appointed
LALIT KUMAR BHALOTIA (Director)
24 Jun 1993
Incorporated
Registered with Roc Kolkata I
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.
Net worth is positive.
2 active director(s) / partner(s); board looks stable and experienced.
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 5 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Mahaveera Carriers Private Limited U74140DL1993PTC051734 New Delhi, Delhi, India
Akebono Credit Services Private Limited U51109DL2000PTC104674 New Delhi, Delhi, India
Jnj Financecompany Private Limited U65929WB1989PTC135154 Kolkata, West Bengal, India
Mintwalk Fintech Services Private Limited U74120MH2016PTC272108 Mumbai, Maharashtra, India
Aic Securities Private Limited U67120WB1995PTC071765 Kolkata, West Bengal, India
Janitor Distributors Pvt Ltd U51909RJ1994PTC065806 Udaipur, Rajasthan, India
Ramaiah Capital U67200KA2019PTC122160 Bengaluru, Karnataka, India
Rikzen Contra Pvt Ltd U51109WB1994PTC064823 Kolkata, West Bengal, India
12

Who Uses This Report

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

Verify Maple Credits Pvt Ltd before audits and certifications: compliance score 60/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Maple Credits Pvt Ltd: 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: Mixed indicators. Growth score 45/100, margin trends, ownership structure and peer set for Maple Credits Pvt Ltd - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Review suggested. Trust score 74/100, distress signals and MSME payment-delay disclosures - know whether Maple Credits Pvt Ltd 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 Maple Credits Pvt Ltd - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Maple Credits Pvt Ltd an active company?

Maple Credits Pvt Ltd has MCA status “Active” with a compliance score of 60/100 (Moderate).

Is Maple Credits Pvt Ltd financially healthy?

Maple Credits Pvt Ltd has a Financial Health Score of 70/100 (Moderate) based on its filed financial statements.

Should I do business with Maple Credits Pvt Ltd?

Its overall Trust Score is 74/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Maple Credits Pvt Ltd?

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

Does Maple Credits Pvt Ltd have loans or charges against its assets?

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

Is Maple Credits Pvt Ltd up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 60/100 (Moderate).

Is it risky to lend to Maple Credits Pvt Ltd?

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.