Promoter holding
64.27%
MT
Master Trust Limited - Due diligence report
A 360° intelligence report on Master Trust: trust score, financial health, credit view, compliance, directors, growth and distress signals -…
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Master Trust — 360° Intelligence Report
Generated from MCA filings & public records76/100
Trust Score
Low Risk
Master Trust is assessed as Low Risk with a Trust Score of 76/100. Master Trust is an active public limited indian non-government company incorporated in 1985, 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 29 Jun 2026 from the latest processed filings. Master Trust Limited snapshot & full profile →
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 & explainableTrust ScoreLow Risk
76/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
50/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
90/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
60/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
80/100
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
Consolidated · 4 filed year(s)Unlock the full 5-year financial dashboard with charts and year-wise figures.
Get full accessScores 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
- Liabilities ≈ 38% EBITDA - stretched.
- Moderate gearing (D/E 1.42).
- Profitable - internal accruals available.
Charges position: 1 open (9.50 cr) · 10 satisfied (98.00 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Oriental Bank Of Commerce | 2 | 48.0 cr |
| Ckarnataka Bank Limited | 1 | 48.0 cr |
| Punjab National Bank | 1 | 48.0 cr |
| Canara Bank | 1 | 48.0 cr |
| Karnataka Bank Limited | 2 | 48.0 cr |
| Dena Bank | 1 | 48.0 cr |
Compliance Score: 50/100 Moderate
- Company status is Active as per MCA.
- Annual filings current (balance sheet Mar 2025).
- Flagged by authority: BSE, FIU, DSE.
- Litigation present in 4 court forum(s).
- 3 active GST registration(s).
Legal cases on record (4)
05
Director Intelligence
Stability score: 80/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| ANIL KUMAR | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| HARNEESH KAUR ARORA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| VIKAS GUPTA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SUDHIR KUMAR | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| RAJIV KALRA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| GURMEET SINGH CHAWLA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SUNIL KUMAR | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| RAVINDER SINGHANIA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| HARJEET SINGH ARORA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| RAJINDER KUMAR SINGHANIA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 10 directors on the board.
- No disqualified or deactivated DINs.
- 5 director exits in 3 years - high churn.
- Average tenure above 5 years.
Director & KMP remuneration (FY 2023)
| Name | Designation | Total remuneration |
|---|---|---|
| A K Sharma | Managing Director | 2.4 cr |
| R Mehta | Whole-time Director | 1.6 cr |
| S Iyer | CFO | 95.0 L |
Remuneration is disclosed in the latest annual return. Unlock full report
06
Ownership & Group Intelligence
As per FY 2023 annual returnPublic / other holding
35.73%
Equity shares
12,45,67,890
Equity paid-up
124.5 cr
Promoters on record
4
Ultimate holding entity
-
Subsidiaries
6
Group entities
6
Capital events
2 allotment(s) · 0 transfer(s)
Promoters hold a majority stake - exact percentages are part of the full report.
| Group entity | Relationship | % held |
|---|---|---|
| Master Capital Services Limited | Subsidiary Company | 74.00% |
| Master Insurance Brokers Limited | Subsidiary Company | 74.00% |
| Master Infrastructure And Real Estate Developers Limited | Subsidiary Company | 74.00% |
| Master Portfolio Services Limited | Subsidiary Company | 74.00% |
| Master Commodity Services Limited | Subsidiary Company | 74.00% |
| Mastertrust Wealth Private Limited | Subsidiary Company | 74.00% |
Key managerial personnel: SUNIL KUMAR (CFO) · HARJEET SINGH ARORA (Managing Director)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 90 · Distress 80
Growth signals & trust indicators
Revenue acceleration: +2.1x over 3 year(s).
Profit expanded 24% year-on-year.
Asset base grew 0.86 - capacity expansion.
Net margin improved to 61%.
Operating for 40+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
3 director exits within 2 years.
Compliance score is weak (50/100).
1 open charge(s) registered - assets are encumbered.
4 court case(s) on record - see the legal section for details.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence67/100
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 assessment66/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 1 open charge(s) of 9.50 cr already registered.
- Compliance gaps should be priced into terms.
Investor view86/100
Positive growth indicators
Growth quality and scalability through an investor lens.
- 4 growth signal(s) detected.
- Margin and return trends computable from filings.
- Management team looks stable.
09
MCA Filings & Events Timeline
Latest 15 events30 Sep 2025
Last AGM held
Annual general meeting
16 Jun 2025
Charge created
Others - 9.50 cr
31 Mar 2025
Latest balance sheet
Filed with ROC
30 Sep 2024
Director ceased
ASHWANI KUMAR
Director ceased
PAVAN KUMAR CHHABRA
29 Sep 2024
Director ceased
ANIL KUMAR
28 Aug 2024
Director appointed
ANIL KUMAR (Director)
Director appointed
SUDHIR KUMAR (Director)
29 Sep 2023
Director ceased
RAVINDER SINGHANIA
04 Aug 2023
Director appointed
RAVINDER SINGHANIA (Director)
Director ceased
ANIL BHATIA
29 Sep 2020
Director ceased
RAJIV KALRA
30 Jun 2020
Director appointed
RAJIV KALRA (Director)
14 Feb 2020
Director ceased
ANIL KUMAR MALHOTRA
14 Nov 2019
Director ceased
SUDHIR KUMAR
10
Key Observations
Auto-generated from the data aboveRevenue grew 38% over the last 3 financial year(s).
Net profit margin moved from 1.42 to 2.1x.
Debt-to-equity stands at 24% - manageable leverage.
Net worth is positive.
10 active director(s) / partner(s); board looks stable and experienced.
3 active GST registration(s) indicate ongoing business operations.
Operates a group structure with 6 subsidiary(ies) - assess on a consolidated basis.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a majority 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 2 security allotment(s) - amounts available in the full report.
| Company | CIN | Location |
|---|---|---|
| Investwell Agents Pvt Ltd | U51909WB1996PTC076777 | Kolkata, West Bengal, India |
| Accurate Finman Services Limited | U74899HR1995PLC130019 | Ballabgarh, Haryana, India |
| Adityagroup | L65993GJ1986PLC085128 | Surat, Gujarat, India |
| Virtu Financial | U67190MH2012FTC228872 | Mumbai, Maharashtra, India |
| Pcj Holdings Private Limited | U65999DL2006PTC151841 | Delhi, Delhi, India |
| Mehhta Money Changer Private Limited | U74999HR2017PTC069657 | Kurukshetra, Haryana, India |
| Grameen Shakti Microfinance Services Private Limited | U51434WB1993PTC058849 | Kolkata, West Bengal, India |
| Dreamplug Advisory Solutions Private Limited | U66220MH2020PTC335635 | Mumbai, Maharashtra, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Master Trust before audits and certifications: compliance score 50/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Master Trust: 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: Positive growth indicators. Growth score 90/100, margin trends, ownership structure and peer set for Master Trust - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Review suggested. Trust score 76/100, distress signals and MSME payment-delay disclosures - know whether Master Trust pays its suppliers before you extend credit terms.
Lawyers & Compliance Teams
Litigation footprint (4 case(s) on record), regulatory flags, charge documents trail and director networks for Master Trust - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Master Trust an active company?
Master Trust has MCA status “Active” with a compliance score of 50/100 (Moderate).
Is Master Trust financially healthy?
Master Trust has a Financial Health Score of 90/100 (Low Risk) based on its filed financial statements.
Should I do business with Master Trust?
Its overall Trust Score is 76/100 (Low Risk). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Master Trust?
Promoters hold a majority stake - exact percentages are in the full report. 10 active director(s) are on record.
Does Master Trust have loans or charges against its assets?
1 open charge(s) are registered against its assets, and 10 earlier charge(s) stand satisfied.
Is Master Trust up to date with its ROC filings?
Annual filings current (balance sheet Mar 2025). Overall compliance score: 50/100 (Moderate).
Is it risky to lend to Master Trust?
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.
