Niradeepam Chits Private Limited - Due diligence report

A 360° intelligence report on Niradeepam Chits Private Limited: trust score, financial health, credit view, compliance, directors, growth an…

2015-08-05 Thrissur, Kerala Active Unlisted Active Non-Compliant
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Niradeepam Chits Private Limited — 360° Intelligence Report

Generated from MCA filings & public records
70/100
Trust Score
Moderate

Niradeepam Chits Private Limited is assessed as Moderate with a Trust Score of 70/100. Niradeepam Chits Private Limited is an active private limited indian non-government company incorporated in 2015, 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 moderate compliance risk and low financial risk profile.

Report generated on 23 Sep 2026 from the latest processed filings. Niradeepam Chits Private Limited snapshot & full profile →

Financial Health › Strong
Overall Assessment CautionWeakNeutralGoodStrong Strong
Compliance › Good

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
70/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
55/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
80/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
60/100
Debt capacity, gearing and security cover for lenders.
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

Standalone · 1 filed year(s)

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

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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: 60/100 Moderate
  • Liabilities ≈ 38% EBITDA - stretched.
  • No open charges - unencumbered balance sheet.
  • Working-capital cover adequate.
  • Profitable - internal accruals available.

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

Compliance Score: 55/100 Moderate
  • Company status is Active as per MCA.
  • Marked ACTIVE non-compliant (INC-22A).
  • Last balance sheet is for Mar 2017 - filings overdue.
05

Director Intelligence

Stability score: 55/100
NameDIN / PANDesignationAppointedTenureDIN status
LEJITH PADINJARUTT LOHITHAKSHAN 01234567 Director 01/04/2018 6 yrs Approved
VASU MOOLAYIL VELAPPAKUTTY 01234567 Director 01/04/2018 6 yrs Approved
CHIRAYIMMEL POULOSE JESTIN 01234567 Director 01/04/2018 6 yrs Approved
BABU KUNNATH UNNICHEKKAN 01234567 Director 01/04/2018 6 yrs Approved
BIJU KOODATHINKAL BALAKRISHNAN 01234567 Director 01/04/2018 6 yrs Approved
  • 5 directors on the board.
  • BABU KUNNATH UNNICHEKKAN 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

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 a majority stake - exact percentages are part of the full report.

Key managerial personnel: VASU MOOLAYIL VELAPPAKUTTY (Managing Director)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth N/A · Distress 80
Growth signals & trust indicators
Operating for 11+ years.
Distress signals & risk flags
Statutory filings appear overdue.
Compliance score is weak (55/100).
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor 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 assessment65/100
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 view46/100
Mixed indicators
Growth quality and scalability through an investor lens.
  • No clear growth signals in the filed years.
  • Margin and return trends computable from filings.
  • Management churn warrants questions.
09

MCA Filings & Events Timeline

Latest 8 events
30 Jun 2017
Last AGM held
Annual general meeting
31 Mar 2017
Latest balance sheet
Filed with ROC
05 Sep 2015
Director appointed
LEJITH PADINJARUTT LOHITHAKSHAN (Director)
Director appointed
CHIRAYIMMEL POULOSE JESTIN (Director)
05 Aug 2015
Incorporated
Registered with Roc Ernakulam
Director appointed
VASU MOOLAYIL VELAPPAKUTTY (Managing Director)
Director appointed
BABU KUNNATH UNNICHEKKAN (Director)
Director appointed
BIJU KOODATHINKAL BALAKRISHNAN (Director)
10

Key Observations

Auto-generated from the data above
5 active director(s) / partner(s); review board churn before relying on management continuity.
Promoters hold a majority stake as per the FY 2017 annual return.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Joshi Distributors Pvt. Ltd. U23209WB1994PTC063805 Kolkata, West Bengal, India
Basant Stocktrade Private Limited U67120MH1999PTC123029 Mumbai, Maharashtra, India
Aadhar Helping Hand Foundation U85300KA2011NPL060836 Bangalore, Karnataka, India
Bharatseth & Sons Holdings Private Limited U67190DL2010PTC201574 New Delhi, Delhi, India
Priyadarsi Chit Fund India Private Limited U65992TG2013PTC085485 Hyderabad, Telangana, India
Sri Paranthama Chits Private Limited U65991TN1994PTC027500 Chennai, Tamil Nadu, India
Sai Soft Solution Private Limited U72300DL2007PTC160600 New Delhi, Delhi, India
Aakuriti Marketing Private Limited U51900WB2008PTC130035 Kolkata, West Bengal, India
12

Who Uses This Report

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

Verify Niradeepam Chits Private Limited before audits and certifications: compliance score 55/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Niradeepam Chits Private Limited: 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: Mixed indicators. Growth score n/a, margin trends, ownership structure and peer set for Niradeepam Chits Private Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Review suggested. Trust score 70/100, distress signals and MSME payment-delay disclosures - know whether Niradeepam Chits Private Limited 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 Niradeepam Chits Private Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Niradeepam Chits Private Limited an active company?

Niradeepam Chits Private Limited has MCA status “Active” with a compliance score of 55/100 (Moderate).

Is Niradeepam Chits Private Limited financially healthy?

Niradeepam Chits Private Limited has a Financial Health Score of 80/100 (Low Risk) based on its filed financial statements.

Should I do business with Niradeepam Chits Private Limited?

Its overall Trust Score is 70/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Niradeepam Chits Private Limited?

Promoters hold a majority stake - exact percentages are in the full report. 5 active director(s) are on record.

Does Niradeepam Chits Private Limited have loans or charges against its assets?

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

Is Niradeepam Chits Private Limited up to date with its ROC filings?

Marked ACTIVE non-compliant (INC-22A). Overall compliance score: 55/100 (Moderate).

Is it risky to lend to Niradeepam Chits Private Limited?

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.