Narmal Chits Pvt Ltd - Due diligence report

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

1996-12-05 Na, Haryana Strike Off Unlisted
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NC Narmal Chits Pvt Ltd
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Narmal Chits Pvt Ltd — 360° Intelligence Report

Generated from MCA filings & public records
61/100
Trust Score
Moderate

Narmal Chits Pvt Ltd is assessed as Moderate with a Trust Score of 61/100. Narmal Chits Pvt Ltd is a private limited indian non-government company incorporated in 1996, 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 moderate financial risk profile.

Report generated on 22 Jul 2026 from the latest processed filings. Narmal Chits Pvt Ltd snapshot & full profile →

Financial Health › Good
Overall Assessment CautionWeakNeutralGoodStrong Good
Compliance › Weak

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
61/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
30/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
65/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
45/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreNo Data
N/A
Needs at least two filed years to measure growth.
Distress ScoreModerate
55/100
Early-warning signals - higher means fewer warnings.
03

Financial Intelligence Dashboard

Standalone · 1 filed year(s)

Unlock the full 5-year financial dashboard with charts and year-wise figures.

Get full access

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: 45/100 Caution Indicated
  • Liabilities ≈ 38% EBITDA - stretched.
  • No open charges - unencumbered balance sheet.
  • Elevated gearing (D/E 1.42).
  • Profitable - internal accruals available.

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

Compliance Score: 30/100 Caution Indicated
  • Company status is "Strike Off" - not Active.
  • Last balance sheet is for Mar 2018 - filings overdue.
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
SATISH KUMAR NARANG 01234567 Director 01/04/2018 6 yrs Approved
RINKI ANAND 01234567 Director 01/04/2018 6 yrs Approved
RITU NARANG BHATIA 01234567 Director 01/04/2018 6 yrs Approved
  • 3 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 2016)
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 2017 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 the largest single block of equity - exact percentages are part of the full report.

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth N/A · Distress 55
Growth signals & trust indicators
Operating for 29+ years.
Distress signals & risk flags
Statutory filings appear overdue.
Adverse company status: Strike Off.
Compliance score is weak (30/100).
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence47/100
Review suggested
Suitability as a supplier / customer counterparty.
  • Check the compliance flags before onboarding.
  • 2 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment47/100
Mixed indicators - deeper appraisal suggested
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 view38/100
Limited indicators at present
Growth quality and scalability through an investor lens.
  • No clear growth signals in the filed years.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 6 events
30 Sep 2018
Last AGM held
Annual general meeting
31 Mar 2018
Latest balance sheet
Filed with ROC
01 Apr 2002
Director appointed
RITU NARANG BHATIA (Director)
01 Apr 2001
Director appointed
RINKI ANAND (Director)
05 Dec 1996
Incorporated
Registered with Roc Delhi
Director appointed
SATISH KUMAR NARANG (Director)
10

Key Observations

Auto-generated from the data above
3 active director(s) / partner(s); board looks stable and experienced.
Promoters hold the largest single block of equity as per the FY 2017 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Sreekaran Chits Private Limited U65992TZ1994PTC005570 Coimbatore, Tamil Nadu, India
Jfc Impex Pvt. Ltd. U52109WB1989PTC047316 Kolkata, West Bengal, India
Luminous Financial Services Private Limited U65910TG1996PTC024250 Hyderabad, Telangana, India
Abhi Securities Pvt Ltd U67120GJ1995PTC024275 Ahmedabad, Gujarat, India
Snehapusph Tie Up Pvt Ltd U51109WB1995PTC067860 Kolkata, West Bengal, India
Sundaram Vinimay Pvt.Ltd. U51109WB1995PTC072187 Kolkata, West Bengal, India
Utility Logistic Private Limited U60100WB2004PTC099739 Kolkata, West Bengal, India
Vrg Management Services Pvt Ltd U67110WB1995PTC072714 Kolkata, West Bengal, India
12

Who Uses This Report

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

Verify Narmal Chits Pvt Ltd before audits and certifications: compliance score 30/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Narmal Chits 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: Mixed indicators - deeper appraisal suggested. Credit risk score 45/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Limited indicators at present. Growth score n/a, margin trends, ownership structure and peer set for Narmal Chits Pvt Ltd - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Review suggested. Trust score 61/100, distress signals and MSME payment-delay disclosures - know whether Narmal Chits 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 Narmal Chits Pvt Ltd - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Narmal Chits Pvt Ltd an active company?

Narmal Chits Pvt Ltd has MCA status “Strike Off” with a compliance score of 30/100 (Caution Indicated).

Is Narmal Chits Pvt Ltd financially healthy?

Narmal Chits Pvt Ltd has a Financial Health Score of 65/100 (Moderate) based on its filed financial statements.

Should I do business with Narmal Chits Pvt Ltd?

Its overall Trust Score is 61/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Narmal Chits Pvt Ltd?

Promoters hold the largest single block of equity - exact percentages are in the full report. 3 active director(s) are on record.

Does Narmal Chits Pvt Ltd have loans or charges against its assets?

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

Is Narmal Chits Pvt Ltd up to date with its ROC filings?

Last balance sheet is for Mar 2018 - filings overdue. Overall compliance score: 30/100 (Caution Indicated).

Is it risky to lend to Narmal Chits Pvt Ltd?

Its Credit Risk Score is 45/100 (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.