Niramala Chits Private Limited - Due diligence report

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

2007-02-27 Trichur, Kerala Active Unlisted Active Compliant
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Niramala Chits Private Limited — 360° Intelligence Report

Generated from MCA filings & public records
69/100
Trust Score
Moderate

Niramala Chits Private Limited is assessed as Moderate with a Trust Score of 69/100. Niramala Chits Private Limited is an active private limited indian non-government company incorporated in 2007, 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 low compliance risk and high financial risk profile.

Report generated on 30 Oct 2026 from the latest processed filings. Niramala Chits Private Limited snapshot & full profile →

Financial Health › Caution
Overall Assessment CautionWeakNeutralGoodStrong Good
Compliance › Strong

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
69/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
81/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
15/100
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 ScoreLow Risk
90/100
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: 45/100 Caution Indicated
  • Negative operating earnings - debt service depends on external support.
  • No open charges - unencumbered balance sheet.

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

Compliance Score: 81/100 Low Risk
  • Company status is Active as per MCA.
  • Balance sheet slightly behind (Mar 2025).
  • Litigation present in 1 court forum(s).
Legal cases on record (1)
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
BIDESH 01234567 Director 01/04/2018 6 yrs Approved
SIVAKUMAR PATTATHIL BALAKRISHNAN 01234567 Director 01/04/2018 6 yrs Approved
PAREEKSHITH VELLAYATH 01234567 Director 01/04/2018 6 yrs Approved
PRAVEEN PAUL MANGALAM 01234567 Director 01/04/2018 6 yrs Approved
KOLLERY SREEVIDYA 01234567 Director 01/04/2018 6 yrs Approved
KOZHIPRA SAJESH KUMAR 01234567 Director 01/04/2018 6 yrs Approved
SREENIVASAN 01234567 Director 01/04/2018 6 yrs Approved
KALLIKADAVIL PRABHAKARAN PRADEEPKUMAR 01234567 Director 01/04/2018 6 yrs Approved
MANALATH RAVINDRAN 01234567 Director 01/04/2018 6 yrs Approved
  • 9 directors on the board.
  • No disqualified or deactivated DINs.
  • 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
3 allotment(s) · 0 transfer(s)

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

Key managerial personnel: BIDESH (Managing Director)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth N/A · Distress 90
Growth signals & trust indicators
Operating for 19+ years.
Distress signals & risk flags
1 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence80/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • No distress signals on file.
  • Financial filings available for verification.
Banker assessment45/100
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 record supports lending.
Investor view22/100
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 15 events
20 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
24 Sep 2022
Director appointed
PAREEKSHITH VELLAYATH (Director)
Director ceased
VELLAYATH KRISHNAN NAIR RADHAKRISHNAN
23 Sep 2022
Director ceased
PRAVEEN PAUL MANGALAM
12 Sep 2020
Director appointed
SIVAKUMAR PATTATHIL BALAKRISHNAN (Director)
Director appointed
KALLIKADAVIL PRABHAKARAN PRADEEPKUMAR (Director)
Director appointed
MANALATH RAVINDRAN (Director)
Director ceased
SHILA PRADEEPKUMAR
Director ceased
KODIYATH RAMAKRISHNAN SURYAN
Director ceased
MURINJARA GEETHA
11 Sep 2020
Director ceased
BIDESH
23 Jul 2018
Director appointed
KOZHIPRA SAJESH KUMAR (Director)
Director ceased
KANNATH KRISHNAKUTTY KRIHSNAN NAIR
25 Jul 2015
Director appointed
PRAVEEN PAUL MANGALAM (Director)
10

Key Observations

Auto-generated from the data above
Compliance record is strong - status, filings and flags are clean.
9 active director(s) / partner(s); board looks stable and experienced.
Promoters hold a majority stake as per the FY 2017 annual return.
Capital has been raised through 3 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
P S L Chit Fund Private Limited U65992AP2011PTC076792 Rajamahendravaram, Andhra Pradesh, India
Soujanya Financial Services Private Limited U65920MH1996PTC102047 Mumbai, Maharashtra, India
Kuldeepak Vanijya Pvt Ltd U51109WB1995PTC070291 Kolkata, West Bengal, India
Ashree'S Capital And Credit Private Limited U67120JK1997PTC001629 Jammu, Jammu & Kashmir, India
Master Equity Brokers Private Limited U65999UP2007PTC033844 Allahabad, Uttar Pradesh, India
Ilex Investments Private Limited U65990MH2005PTC156048 Mumbai-77, Maharashtra, India
Tuvik Investments Private Limited U67120MH1996PTC102199 Mumbai, Maharashtra, India
Vriddhi Infin Private Limited U67190MH1996PTC104184 Mumbai, Maharashtra, India
12

Who Uses This Report

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

Verify Niramala Chits Private Limited before audits and certifications: compliance score 81/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Niramala 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 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 Niramala Chits Private Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 69/100, distress signals and MSME payment-delay disclosures - know whether Niramala Chits Private Limited pays its suppliers before you extend credit terms.

Lawyers & Compliance Teams

Litigation footprint (1 case(s) on record), regulatory flags, charge documents trail and director networks for Niramala Chits Private Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Niramala Chits Private Limited an active company?

Niramala Chits Private Limited has MCA status “Active” with a compliance score of 81/100 (Low Risk).

Is Niramala Chits Private Limited financially healthy?

Niramala Chits Private Limited has a Financial Health Score of 15/100 (Caution Indicated) based on its filed financial statements.

Should I do business with Niramala Chits Private Limited?

Its overall Trust Score is 69/100 (Moderate). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Niramala Chits Private Limited?

Promoters hold a majority stake - exact percentages are in the full report. 9 active director(s) are on record.

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

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

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

Balance sheet slightly behind (Mar 2025). Overall compliance score: 81/100 (Low Risk).

Is it risky to lend to Niramala Chits Private Limited?

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.