Promoter holding
64.27%
NL
Nabfins Limited - Due diligence report
A 360° intelligence report on Nabfins: trust score, financial health, credit view, compliance, directors, growth and distress signals - gene…
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Nabfins — 360° Intelligence Report
Generated from MCA filings & public records79/100
Trust Score
Low Risk
Nabfins is assessed as Low Risk with a Trust Score of 79/100. Nabfins is an active public limited indian non-government company incorporated in 1997, 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 low compliance risk and low financial risk profile.
Report generated on 17 Jul 2026 from the latest processed filings. Nabfins 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
79/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
78/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
75/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
30/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
75/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
95/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
70/100
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.
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: 30/100 Caution Indicated
- Liabilities ≈ 38% EBITDA - stretched.
- Open charges exceed net worth - secured lenders rank ahead.
- Elevated gearing (D/E 1.42).
- Profitable - internal accruals available.
Charges position: 3 open (693.11 cr) · 0 satisfied (-).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Others | 3 | 48.0 cr |
Compliance Score: 78/100 Low Risk
- Company status is Active as per MCA.
- Annual filings current (balance sheet Mar 2025).
- Litigation present in 2 court forum(s).
- Delayed payments to MSME suppliers disclosed (4 disclosure(s)).
- 20 active GST registration(s).
Legal cases on record (2)
05
Director Intelligence
Stability score: 75/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| AJAY KUMAR KAPUR | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| NEERAJA . NANDAMUDI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| MOHAN PRASAD | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| GUNA NAND GAMI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Saraswathi Chidambaranathan | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Ajit Kumar Das | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| JAYASHEELAN A | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SAKALESPUR VISWESWARAIYA RANGANATH | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Mamatha Anant Joshi | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Vinod Chandrasekharan | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Pooja Ahuja | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Srimathy Sridhar | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 12 directors on the board.
- No disqualified or deactivated DINs.
- 9 director exits in 3 years - high churn.
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
-
Group entities
-
Capital events
17 allotment(s) · 6 transfer(s)
Promoters hold a majority stake - exact percentages are part of the full report.
Key managerial personnel: NEERAJA . NANDAMUDI (Managing Director) · JAYASHEELAN A (CFO)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 95 · Distress 70
Growth signals & trust indicators
Revenue acceleration: +2.1x over 4 year(s).
Latest year revenue grew 24%.
Profit expanded 0.86 year-on-year.
Asset base grew 61% - capacity expansion.
Net margin improved to 38%.
EPFO headcount growing - hiring signal.
Operating for 29+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Outside liabilities up 1.42 in a year.
3 director exits within 2 years.
3 open charge(s) registered - assets are encumbered.
MSME payment delays disclosed - latest outstanding 1.58 Lakh.
2 court case(s) on record - see the legal section for details.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence76/100
Favourable indicators
Suitability as a supplier / customer counterparty.
- Statutory record is clean.
- 2 distress signal(s) - see Risk Center.
- Financial filings available for verification.
Banker assessment56/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 3 open charge(s) of 693.11 cr already registered.
- Compliance record supports lending.
Investor view84/100
Positive growth indicators
Growth quality and scalability through an investor lens.
- 6 growth signal(s) detected.
- Margin and return trends computable from filings.
- Management team looks stable.
09
MCA Filings & Events Timeline
Latest 15 events10 Feb 2026
Director appointed
Srimathy Sridhar (Additional Director)
23 Jan 2026
Charge created
Others - 99.00 cr
24 Dec 2025
Charge created
Others - 452.11 cr
08 Oct 2025
Director ceased
ANJUM PARWEZ
26 Sep 2025
Last AGM held
Annual general meeting
24 Sep 2025
Charge created
Others - 142.00 cr
31 Mar 2025
Latest balance sheet
Filed with ROC
30 Sep 2024
Director ceased
Ajit Kumar Das
23 Jul 2024
Director appointed
Saraswathi Chidambaranathan (Nominee Director)
Director appointed
Mamatha Anant Joshi (Nominee Director)
Director appointed
Vinod Chandrasekharan (Nominee Director)
Director ceased
KARTHIKABHAVAN ARJUNAN SINDHU
20 Jun 2024
Director appointed
NEERAJA . NANDAMUDI (Managing Director)
31 May 2024
Director ceased
NEERAJA . NANDAMUDI
Director ceased
TADEPALLI RAMESH
10
Key Observations
Auto-generated from the data aboveRevenue grew 2.1x over the last 4 financial year(s).
Net profit margin moved from 24% to 0.86.
Debt-to-equity stands at 61% - leverage worth monitoring.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
12 active director(s) / partner(s); board looks stable and experienced.
20 active GST registration(s) indicate ongoing business operations.
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 17 security allotment(s) - amounts available in the full report.
| Company | CIN | Location |
|---|---|---|
| Capri Home Loans | U65990MH2006PLC161153 | Mumbai, Maharashtra, India |
| Godrej Housing Finance | U65100MH2018PLC315359 | Mumbai, Maharashtra, India |
| Finova | U65993RJ2015PTC048340 | Jaipur, Rajasthan, India |
| Midland Microfin | U65921PB1988PLC008430 | Jalandhar, Punjab, India |
| Efl | U74110PN1990PLC057017 | Pune, Maharashtra, India |
| Dvara Kgfs | U65991TN1993PTC024547 | Chennai, Tamil Nadu, India |
| Margadarsi Chit Fund | U65992TG1962PTC000927 | Hyderabad, Telangana, India |
| Arkafincap | U65993MH2018PLC308329 | Mumbai, Maharashtra, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Nabfins before audits and certifications: compliance score 78/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Nabfins: 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 30/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Positive growth indicators. Growth score 95/100, margin trends, ownership structure and peer set for Nabfins - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Favourable indicators. Trust score 79/100, distress signals and MSME payment-delay disclosures - know whether Nabfins pays its suppliers before you extend credit terms.
Lawyers & Compliance Teams
Litigation footprint (2 case(s) on record), regulatory flags, charge documents trail and director networks for Nabfins - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Nabfins an active company?
Nabfins has MCA status “Active” with a compliance score of 78/100 (Low Risk).
Is Nabfins financially healthy?
Nabfins has a Financial Health Score of 75/100 (Low Risk) based on its filed financial statements.
Should I do business with Nabfins?
Its overall Trust Score is 79/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Nabfins?
Promoters hold a majority stake - exact percentages are in the full report. 12 active director(s) are on record.
Does Nabfins have loans or charges against its assets?
3 open charge(s) are registered against its assets.
Is Nabfins up to date with its ROC filings?
Annual filings current (balance sheet Mar 2025). Overall compliance score: 78/100 (Low Risk).
Is it risky to lend to Nabfins?
Its Credit Risk Score is 30/100 (Caution Indicated). 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.
