Panesar Finance Private Limited - Due diligence report

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

1995-04-17 Ludhiana, Punjab Active Unlisted Active Compliant
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Panesar Finance Private Limited — 360° Intelligence Report

Generated from MCA filings & public records
76/100
Trust Score
Low Risk

Panesar Finance Private Limited is assessed as Low Risk with a Trust Score of 76/100. Panesar Finance Private Limited is an active private limited indian non-government company incorporated in 1995, operating in the Real Estate and Construction sector. The company has shown revenue growth across its recent filed years. It reported a loss in its latest filed year. Based on MCA filings and public records, it currently shows a low compliance risk and high financial risk profile.

Report generated on 08 Jul 2026 from the latest processed filings. Panesar Finance Private Limited snapshot & full profile →

Financial Health › Neutral
Overall Assessment CautionWeakNeutralGoodStrong Strong
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 ScoreLow Risk
76/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
100/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
45/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
40/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreModerate
55/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
60/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
90/100
Early-warning signals - higher means fewer warnings.
03

Financial Intelligence Dashboard

Standalone · 3 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: 40/100 Caution Indicated
  • Liabilities ≈ 38% EBITDA - stretched.
  • No open charges - unencumbered balance sheet.
  • Elevated gearing (D/E 1.42).
  • Working-capital cover adequate.

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

Compliance Score: 100/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
05

Director Intelligence

Stability score: 55/100
NameDIN / PANDesignationAppointedTenureDIN status
ARVINDER SINGH SANDHU 01234567 Director 01/04/2018 6 yrs Approved
HARVINDER KAUR 01234567 Director 01/04/2018 6 yrs Approved
SUKHDEV SINGH PANESAR 01234567 Director 01/04/2018 6 yrs Approved
  • 3 directors on the board.
  • ARVINDER SINGH SANDHU has DIN status "Disqualified by RoC u/s 164(2)".
  • 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 dominant controlling stake - exact percentages are part of the full report.

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 60 · Distress 90
Growth signals & trust indicators
Steady revenue growth: +2.1x over 2 year(s).
Operating for 31+ years.
Distress signals & risk flags
No critical warning flags detected in the available data.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence90/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • No distress signals on file.
  • Financial filings available for verification.
Banker assessment56/100
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 view59/100
Mixed indicators
Growth quality and scalability through an investor lens.
  • 1 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management churn warrants questions.
09

MCA Filings & Events Timeline

Latest 8 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
05 Jan 2024
Director appointed
SUKHDEV SINGH PANESAR (Director)
02 Apr 2019
Director ceased
JASDEEP SINGH PANESAR
Director ceased
SUKHDEV SINGH PANESAR
13 Dec 1999
Director appointed
ARVINDER SINGH SANDHU (Director)
Director appointed
HARVINDER KAUR (Director)
17 Apr 1995
Incorporated
Registered with Roc Chandigarh
10

Key Observations

Auto-generated from the data above
Revenue grew 24% over the last 2 financial year(s).
Net profit margin moved from 0.86 to 61%.
Debt-to-equity stands at 38% - leverage worth monitoring.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
3 active director(s) / partner(s); review board churn before relying on management continuity.
Promoters hold a dominant controlling stake as per the FY 2017 annual return.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Cognition Infrastructure Private Limited U45400DL2014PTC274520 New Delhi, Delhi, India
Defence City Developers Private Limited U45200PN2008PTC131745 Pune, Maharashtra, India
Shanker City Planner Private Limited U45400UP2007PTC033846 Agra, Uttar Pradesh, India
G. D. Realtors Private Limited U45202MH2008PTC186324 Mumbai, Maharashtra, India
Eternity Developers Private Limited U45201KA2007PTC042150 Bangalore, Karnataka, India
Rishav Agrobuild Private Limited U15311DL2001PTC112404 New Delhi, Delhi, India
Jham'S Infrastructure Private Limited U45200MH2008PTC186551 Nagpur, Maharashtra, India
Ajitnath Hi-Tech Builders Private Limited U45201MH2006PTC166482 Mumbai, Maharashtra, India
12

Who Uses This Report

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

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

Company Secretaries (CS)

Track statutory health of Panesar Finance 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 40/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Mixed indicators. Growth score 60/100, margin trends, ownership structure and peer set for Panesar Finance Private Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 76/100, distress signals and MSME payment-delay disclosures - know whether Panesar Finance 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 Panesar Finance Private Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Panesar Finance Private Limited an active company?

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

Is Panesar Finance Private Limited financially healthy?

Panesar Finance Private Limited has a Financial Health Score of 45/100 (Caution Indicated) based on its filed financial statements.

Should I do business with Panesar Finance Private Limited?

Its overall Trust Score is 76/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Panesar Finance Private Limited?

Promoters hold a dominant controlling stake - exact percentages are in the full report. 3 active director(s) are on record.

Does Panesar Finance Private Limited have loans or charges against its assets?

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

Is Panesar Finance Private Limited up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 100/100 (Low Risk).

Is it risky to lend to Panesar Finance Private Limited?

Its Credit Risk Score is 40/100 (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.