Promoter holding
64.27%
NC
Neev Credit Limited - Due diligence report
A 360° intelligence report on Neev Finance: trust score, financial health, credit view, compliance, directors, growth and distress signals -…
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Neev Finance — 360° Intelligence Report
Generated from MCA filings & public records74/100
Trust Score
Moderate
Neev Finance is assessed as Moderate with a Trust Score of 74/100. Neev Finance is an active public limited indian non-government company incorporated in 1996, 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 high compliance risk and low financial risk profile.
Report generated on 10 Aug 2026 from the latest processed filings. Neev Credit 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 ScoreModerate
74/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
48/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
75/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
60/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
90/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
95/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
80/100
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: 60/100 Moderate
- No open charges - unencumbered balance sheet.
- Elevated gearing (D/E 38%).
- Profitable - internal accruals available.
Charges position: 0 open (-) · 1 satisfied (2.00 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Others | 1 | 48.0 cr |
Compliance Score: 48/100 Caution Indicated
- Company status is Active as per MCA.
- Balance sheet slightly behind (Mar 2024).
- Flagged by authority: FIU.
- 3 auditor resignation(s) filed - latest: S Lilha & Associates on 2024-04-27.
- 3 active GST registration(s).
05
Director Intelligence
Stability score: 90/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| AMIT JAISWAL | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| NIKHIL SARAF | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SAMIR AGARWAL | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| KAVITA AGARWAL | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Nikhil Saraf | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 5 directors on the board.
- No disqualified or deactivated DINs.
- 3 director exit(s) in the last 3 years.
- Average tenure above 5 years.
Director & KMP remuneration (FY 2024)
| 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 2024 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
8 allotment(s) · 8 transfer(s)
Promoters hold a dominant controlling stake - exact percentages are part of the full report.
Key managerial personnel: NIKHIL SARAF (CEO)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 95 · Distress 80
Growth signals & trust indicators
Revenue acceleration: +1.42 over 4 year(s).
Latest year revenue grew 2.1x.
Profit expanded 24% year-on-year.
Net margin improved to 0.86.
Operating for 30+ 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 (48/100).
3 auditor resignation(s) on record - review the stated reasons.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence65/100
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 assessment62/100
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 view83/100
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 events06 Feb 2025
Director ceased
Gurmit Singh
30 Sep 2024
Last AGM held
Annual general meeting
06 Sep 2024
Director ceased
PRABHU NATH OJHA
Director ceased
Ankit Jajodia
31 Mar 2024
Latest balance sheet
Filed with ROC
31 Mar 2023
Share transfer (FY 2023)
1.00000000 shares to NIRMAL TOSHNIWAL
Share transfer (FY 2023)
220000.00000000 shares to DRAUPADI SARAF
Share transfer (FY 2023)
600000.00000000 shares to NIKHIL SARAF
Share transfer (FY 2023)
370000.00000000 shares to NIKHIL SARAF
10 Mar 2022
Securities allotted
8965 Preference Shares - 1.10 cr raised
24 Aug 2021
Charge satisfied
Others
31 Dec 2020
Director ceased
KAVITA AGARWAL
31 Mar 2020
Share transfer (FY 2020)
129069.00000000 shares to RADHIKA KEDIA
Director appointed
Nikhil Saraf (Ceo)
30 Mar 2020
Director ceased
NIKHIL SARAF
10
Key Observations
Auto-generated from the data aboveRevenue grew 61% over the last 4 financial year(s).
Net profit margin moved from 38% to 1.42.
Debt-to-equity stands at 2.1x - leverage worth monitoring.
Net worth is positive.
5 active director(s) / partner(s); board looks stable and experienced.
3 active GST registration(s) indicate ongoing business operations.
All 1 registered charge(s) stand satisfied - past borrowings repaid.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a dominant controlling stake as per the FY 2024 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 8 security allotment(s) - amounts available in the full report.
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| Northeast Chit Fund Services Private Limited | U93000TG2010PTC071274 | Secunderabad, Telangana, India |
| Etica Wealth | U74999MH2009PTC197351 | Mumbai, Maharashtra, India |
| Sadravya Research Private Limited | U74110DL1995PTC072300 | Delhi, Delhi, India |
| Mangalam Estates Private Limited | U70101DL2000PTC308673 | New Delhi, Delhi, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Neev Finance before audits and certifications: compliance score 48/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Neev 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: 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 95/100, margin trends, ownership structure and peer set for Neev Finance - 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 Neev Finance 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 Neev Finance - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Neev Finance an active company?
Neev Finance has MCA status “Active” with a compliance score of 48/100 (Caution Indicated).
Is Neev Finance financially healthy?
Neev Finance has a Financial Health Score of 75/100 (Low Risk) based on its filed financial statements.
Should I do business with Neev Finance?
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 Neev Finance?
Promoters hold a dominant controlling stake - exact percentages are in the full report. 5 active director(s) are on record.
Does Neev Finance have loans or charges against its assets?
No open charges - all 1 registered charge(s) stand satisfied, indicating past borrowings were repaid.
Is Neev Finance up to date with its ROC filings?
Balance sheet slightly behind (Mar 2024). Overall compliance score: 48/100 (Caution Indicated).
Is it risky to lend to Neev Finance?
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.
