Micro Finance Ltd - Due diligence report

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

1983-07-25 Bhubaneswar, Orissa Active Unlisted Active Non-Compliant
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Micro Finance — 360° Intelligence Report

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

Micro Finance is assessed as Caution Indicated with a Trust Score of 48/100. Micro Finance is an active public limited indian non-government company incorporated in 1983, operating in the Financial Services sector. Processed financial statements are not yet available for trend analysis. Based on MCA filings and public records, it currently shows a high compliance risk and an unassessed financial risk profile.

Report generated on 18 Oct 2026 from the latest processed filings. Micro Finance Ltd snapshot & full profile →

Financial Health › No Data
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
5/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreNo Data
N/A
No processed financial statements available yet.
Credit Risk ScoreNo Data
N/A
Financial statements needed for a credit view.
Director Stability ScoreModerate
55/100
Board strength, DIN status, churn and network.
Growth ScoreNo Data
N/A
Needs at least two filed years to measure growth.
Distress ScoreLow Risk
80/100
Early-warning signals - higher means fewer warnings.
03

Financial Intelligence Dashboard

No processed financials
Financial statements are not yet processed for this company. Trend analysis will appear once filings are available.
04

Credit & Compliance Intelligence

Why the scores are what they are
Credit Risk Score: N/A No Data
  • Financial statements needed for a credit view.

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

Compliance Score: 5/100 Caution Indicated
  • Company status is Active as per MCA.
  • Marked ACTIVE non-compliant (INC-22A).
  • Last balance sheet is for Mar 2013 - filings overdue.
  • Flagged by authority: RBI, MCA, SEBI.
  • Litigation present in 3 court forum(s).
Legal cases on record (3)
05

Director Intelligence

Stability score: 55/100
NameDIN / PANDesignationAppointedTenureDIN status
SURATHA DAS 01234567 Director 01/04/2018 6 yrs Approved
ASHOK KUMAR PATNAIK 01234567 Director 01/04/2018 6 yrs Approved
BAIKUNTH NATH PATNAIK 01234567 Director 01/04/2018 6 yrs Approved
  • 3 directors on the board.
  • SURATHA DAS has DIN status "Deactivated due to non-filing of DIR-3 KYC".
  • Stable board - no exits in 3 years.
  • Average tenure above 5 years.
06

Ownership & Group Intelligence

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: ASHOK KUMAR PATNAIK (Managing Director)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth N/A · Distress 80
Growth signals & trust indicators
Operating for 43+ years.
Active EPFO - real payroll on record.
Financials unavailable - score leans on compliance and governance signals.
Distress signals & risk flags
Statutory filings appear overdue.
Compliance score is weak (5/100).
3 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence40/100
Caution indicated
Suitability as a supplier / customer counterparty.
  • Check the compliance flags before onboarding.
  • 1 distress signal(s) - see Risk Center.
  • No financials on record - ask for audited statements.
Banker assessment15/100
Enhanced diligence advised
Indicative lending comfort for banks, NBFCs and trade credit.
  • No filed financials - rely on banking statements and GST data.
  • No existing security registered - first-charge position available.
  • Compliance gaps should be priced into terms.
Investor view28/100
Limited indicators at present
Growth quality and scalability through an investor lens.
  • No clear growth signals in the filed years.
  • Request management accounts - public filings insufficient.
  • Management churn warrants questions.
09

MCA Filings & Events Timeline

Latest 9 events
02 Dec 2013
Director ceased
ASHOK KUMAR PATNAIK
Director ceased
DURGA PRASAD MISRA
25 Nov 2013
Director appointed
SURATHA DAS (Director)
30 Sep 2013
Last AGM held
Annual general meeting
13 May 2013
Director ceased
BIJOY KUMAR ROUTRAY
31 Mar 2013
Latest balance sheet
Filed with ROC
25 Jul 1983
Incorporated
Registered with Roc Cuttack
Director appointed
ASHOK KUMAR PATNAIK (Managing Director)
Director appointed
BAIKUNTH NATH PATNAIK (Director)
10

Key Observations

Auto-generated from the data above
3 active director(s) / partner(s); review board churn before relying on management continuity.
EPFO-registered employer - verifiable payroll history exists.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Ekamra Talkies Pvt Ltd U92120OR1985PTC001467 Khorda, Odisha
Sabina Construction & Consultancy Private Limited U45201OR2007PTC009391 Khorda, Odisha
Seagold Overseas Private Limited U05005OR1994PTC003781 Khorda, Odisha
Oriprint Pvt. Ltd. U22110OR1986PTC001731 Khorda, Odisha
Laxmidhar Jena And Sons Private Limited U41001OD2024PTC046779 Khorda, Odisha
Fav Shaoline Foods Private Limited U56102OD2023PTC044173 Khorda, Odisha
Magnum Matrixs Private Limited U92412OR1980PTC000897 Khorda, Odisha
Maa Sikharchandi Transport Private Limited U60200OR2012PTC016268 Khorda, Odisha
Jashmin Technocast Private Limited U27320OR1996PTC004538 Khorda, Odisha
Pbjp Food And Agro Private Limited U15549OR2020PTC034802 Khorda, Odisha
12

Who Uses This Report

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

Verify Micro Finance before audits and certifications: compliance score 5/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Micro Finance: 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 pending financials, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Limited indicators at present. Growth score n/a, margin trends, ownership structure and peer set for Micro Finance - 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 Micro Finance pays its suppliers before you extend credit terms.

Lawyers & Compliance Teams

Litigation footprint (3 case(s) on record), regulatory flags, charge documents trail and director networks for Micro Finance - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Micro Finance an active company?

Micro Finance has MCA status “Active” with a compliance score of 5/100 (Caution Indicated).

Is Micro Finance financially healthy?

Processed financial statements are not yet available for Micro Finance, so its financial health is unassessed.

Should I do business with Micro Finance?

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 Micro Finance?

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

Does Micro Finance have loans or charges against its assets?

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

Is Micro Finance up to date with its ROC filings?

Marked ACTIVE non-compliant (INC-22A). Overall compliance score: 5/100 (Caution Indicated).

Is it risky to lend to Micro Finance?

Filed financial statements are needed for a credit view - ask the company for audited statements and bank statements.

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.