Promoter holding
64.27%
PD
Panache Digilife Limited - Due diligence report
A 360° intelligence report on Panache Digilife: trust score, financial health, credit view, compliance, directors, growth and distress signa…
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Panache Digilife — 360° Intelligence Report
Generated from MCA filings & public records76/100
Trust Score
Low Risk
Panache Digilife is assessed as Low Risk with a Trust Score of 76/100. Panache Digilife is an active public limited indian non-government company incorporated in 2007, operating in the Information Technology 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 21 Jul 2026 from the latest processed filings. Panache Digilife 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
76/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
32/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
95/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreLow Risk
85/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
85/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
90/100
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: 85/100 Low Risk
- Moderate gearing (D/E 38%).
- Working-capital cover adequate.
- Profitable - internal accruals available.
- Externally credit-rated (BB+).
Charges position: 3 open (34.00 cr) · 7 satisfied (11.01 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Canara Bank | 8 | 48.0 cr |
| Hdfc Bank Limited | 2 | 48.0 cr |
Compliance Score: 32/100 Caution Indicated
- Company status is Active as per MCA.
- Annual filings current (balance sheet Mar 2025).
- Flagged by authority: EPFO.
- Litigation present in 3 court forum(s).
- 1 auditor resignation(s) filed - latest: Jain Salia & Associates on 2017-09-21.
- Delayed payments to MSME suppliers disclosed (10 disclosure(s)).
- 1 active GST registration(s).
Legal cases on record (3)
05
Director Intelligence
Stability score: 95/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| TEJASWINI CHANDRASHEKHAR MORE | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| HARSHIL RAJESH CHHEDA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SHAILESH PREMJI GALA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| NIKIT DEVCHAND RAMBHIA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| AMIT DEVCHAND RAMBHIA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| JAYESH KHIMJI RAMBHIA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| NITESH MANILAL SAVLA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Nitesh Savla | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 8 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 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 2025 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
3
Group entities
4
Capital events
2 allotment(s) · 12 transfer(s)
Promoters hold a minority stake - exact percentages are part of the full report.
| Group entity | Relationship | % held |
|---|---|---|
| Ict Infratech Services Private Limited | Subsidiary Company | 74.00% |
| Technofy Digital Private Limited | Subsidiary Company | 74.00% |
| Air Digilife Private Limited | Subsidiary Company | 74.00% |
| Cadcord Technologies Private Limited | Associate Company | 74.00% |
Key managerial personnel: NIKIT DEVCHAND RAMBHIA (Managing Director) · AMIT DEVCHAND RAMBHIA (Managing Director) · NITESH MANILAL SAVLA (Whole-time director)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 85 · Distress 90
Growth signals & trust indicators
Steady revenue growth: +1.42 over 4 year(s).
Profit expanded 2.1x year-on-year.
Asset base grew 24% - capacity expansion.
Net margin improved to 0.86.
EPFO headcount growing - hiring signal.
Operating for 19+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Compliance score is weak (32/100).
3 open charge(s) registered - assets are encumbered.
1 auditor resignation(s) on record - review the stated reasons.
MSME payment delays disclosed - latest outstanding 10.11 Lakh.
3 court case(s) on record - see the legal section for details.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence63/100
Review suggested
Suitability as a supplier / customer counterparty.
- Check the compliance flags before onboarding.
- No distress signals on file.
- Financial filings available for verification.
Banker assessment75/100
Favourable lending indicators
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 3 open charge(s) of 34.00 cr already registered.
- Compliance gaps should be priced into terms.
Investor view86/100
Positive growth indicators
Growth quality and scalability through an investor lens.
- 5 growth signal(s) detected.
- Margin and return trends computable from filings.
- Management team looks stable.
09
MCA Filings & Events Timeline
Latest 15 events29 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
19 Aug 2024
Charge satisfied
Canara Bank
11 Jul 2024
Charge satisfied
Canara Bank
23 Feb 2024
Charge satisfied
Canara Bank
29 Dec 2023
Charge created
Canara Bank - 2.50 cr
20 May 2023
Charge satisfied
Hdfc Bank Limited
03 May 2023
Director ceased
JAYESH KHIMJI RAMBHIA
09 Mar 2023
Director appointed
Nitesh Savla (Cfo)
Director ceased
NITESH MANILAL SAVLA
14 Feb 2023
Director appointed
JAYESH KHIMJI RAMBHIA (Director)
Director appointed
NITESH MANILAL SAVLA (Whole-time director)
09 Feb 2023
Charge satisfied
Hdfc Bank Limited
07 Apr 2022
Director ceased
TEJASWINI CHANDRASHEKHAR MORE
18 Jan 2022
Director appointed
TEJASWINI CHANDRASHEKHAR MORE (Director)
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 - manageable leverage.
Net worth is positive.
8 active director(s) / partner(s); board looks stable and experienced.
1 active GST registration(s) indicate ongoing business operations.
Operates a group structure with 3 subsidiary(ies) - assess on a consolidated basis.
Carries an external credit rating of BB+ from Icra.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a minority stake as per the FY 2025 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 2 security allotment(s) - amounts available in the full report.
1 overseas direct investment(s) (ODI) on record - international footprint.
| Company | CIN | Location |
|---|---|---|
| Desai Electronics | U32109PN1981PTC024206 | Pune, Maharashtra, India |
| Kritikalsecurescan | U28299DL2005PTC139427 | New Delhi, Delhi, India |
| India Circuits | U31200CH2007PTC030682 | Chandigarh, Chandigarh, India |
| Dhanashree Electronics Ltd | L31103WB1987PLC042594 | Kolkata, West Bengal, India |
| Namo Ewaste | L74140DL2014PLC263441 | New Delhi, Delhi, India |
| Hi-Q Electronics | U32104KA1983PTC005174 | Bangalore, Karnataka, India |
| Salora International | L74899DL1968PLC004962 | New Delhi, Delhi, India |
| Reganto Enterprises Limited | L43299DL1991PLC045276 | New Delhi, Delhi, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Panache Digilife before audits and certifications: compliance score 32/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Panache Digilife: 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: Favourable lending indicators. Credit risk score 85/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Positive growth indicators. Growth score 85/100, margin trends, ownership structure and peer set for Panache Digilife - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Review suggested. Trust score 76/100, distress signals and MSME payment-delay disclosures - know whether Panache Digilife pays its suppliers before you extend credit terms.
Lawyers & Compliance Teams
Litigation footprint (3 case(s) on record), regulatory flags, charge documents trail and director networks for Panache Digilife - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Panache Digilife an active company?
Panache Digilife has MCA status “Active” with a compliance score of 32/100 (Caution Indicated).
Is Panache Digilife financially healthy?
Panache Digilife has a Financial Health Score of 95/100 (Low Risk) based on its filed financial statements.
Should I do business with Panache Digilife?
Its overall Trust Score is 76/100 (Low Risk). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Panache Digilife?
Promoters hold a minority stake - exact percentages are in the full report. 8 active director(s) are on record.
Does Panache Digilife have loans or charges against its assets?
3 open charge(s) are registered against its assets, and 7 earlier charge(s) stand satisfied.
Is Panache Digilife up to date with its ROC filings?
Annual filings current (balance sheet Mar 2025). Overall compliance score: 32/100 (Caution Indicated).
Is it risky to lend to Panache Digilife?
Its Credit Risk Score is 85/100 (Low Risk). Banker verdict: Favourable lending indicators.
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.
