Promoter holding
64.27%
PU
Panoramic Universal Limited - Due diligence report
A 360° intelligence report on Panoramic Universal: trust score, financial health, credit view, compliance, directors, growth and distress si…
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Panoramic Universal — 360° Intelligence Report
Generated from MCA filings & public records44/100
Trust Score
Caution Indicated
Panoramic Universal is assessed as Caution Indicated with a Trust Score of 44/100. Panoramic Universal is an active public limited indian non-government company incorporated in 1992, operating in the Information Technology sector. It reported a loss in its latest filed year. Based on MCA filings and public records, it currently shows a high compliance risk and moderate financial risk profile.
Report generated on 10 Jul 2026 from the latest processed filings. Panoramic Universal 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 ScoreCaution Indicated
44/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
5/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
50/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
50/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreModerate
55/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
55/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
50/100
Early-warning signals - higher means fewer warnings.
03
Financial Intelligence Dashboard
Consolidated · 3 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: 50/100 Moderate
- Negative operating earnings - debt service depends on external support.
- Moderate gearing (D/E 38%).
Charges position: 5 open (85.63 cr) · 8 satisfied (22.64 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Others | 3 | 48.0 cr |
| Indiabulls Housing Finance Limited | 1 | 48.0 cr |
| Union Bank Of India | 1 | 48.0 cr |
| Bank Of Baroda | 1 | 48.0 cr |
| Hdfc Bank Limited | 1 | 48.0 cr |
| The Saraswat Co-Operative Bank Limited | 1 | 48.0 cr |
Compliance Score: 5/100 Caution Indicated
- Company status is Active as per MCA.
- Marked ACTIVE non-compliant (INC-22A).
- Last balance sheet is for Mar 2016 - filings overdue.
- Flagged by authority: RBI.
- Litigation present in 3 court forum(s).
Legal cases on record (3)
05
Director Intelligence
Stability score: 55/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| NILESH SURYAKANT PRADHAN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| VIIDYAA SUDHIR MORAVEKAR | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SACHIN NARENDRA DESHPANDE | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| DNYANARAJ SUDHIR MORAVEKAR | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| ABEEZAR EBRAHIM FAIZULLABHOY | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SIDDHARTHA MORAVEKAR SUDHIR | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| HEMLATA DATTARAM SAWANT | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 7 directors on the board.
- NILESH SURYAKANT PRADHAN has DIN status "Deactivated due to non-filing of DIR-3 KYC".
- Stable board - no exits in 3 years.
- Average tenure above 5 years.
Director & KMP remuneration (FY 2016)
| 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 2016 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
6
Group entities
8
Capital events
-
Promoters hold a majority stake - exact percentages are part of the full report.
| Group entity | Relationship | % held |
|---|---|---|
| F M Pa Tong Development Company Limited | Subsidiary Company | 74.00% |
| Georgian Motel Corp. | Subsidiary Company | 74.00% |
| Indo Pacific Hotels Limited | Subsidiary Company | 74.00% |
| Panoramic Ace Properties Inc. | Subsidiary Company | 74.00% |
| Panoramic Holidays Jlt | Subsidiary Company | 74.00% |
| Panoramic Holidays Limited | Subsidiary Company | 74.00% |
| Panoramic Singapore Hospitality Pte. Ltd. | Subsidiary Company | 74.00% |
| Panoramic Tour And Travels Limited | Subsidiary Company | 74.00% |
| Sai Living Hudson Inc. | Subsidiary Company | 74.00% |
| Sai Motels Ltd. | Subsidiary Company | 74.00% |
Key managerial personnel: SACHIN NARENDRA DESHPANDE (CFO)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 55 · Distress 50
Growth signals & trust indicators
EPFO headcount growing - hiring signal.
Operating for 34+ years.
Active EPFO - real payroll on record.
Distress signals & risk flags
Revenue declined year-on-year.
Losses deepening year-on-year.
Statutory filings appear overdue.
Compliance score is weak (5/100).
5 open charge(s) registered - assets are encumbered.
3 court case(s) on record - see the legal section for details.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence30/100
Caution indicated
Suitability as a supplier / customer counterparty.
- Check the compliance flags before onboarding.
- 3 distress signal(s) - see Risk Center.
- Financial filings available for verification.
Banker assessment39/100
Enhanced diligence advised
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 5 open charge(s) of 85.63 cr already registered.
- Compliance gaps should be priced into terms.
Investor view50/100
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 15 events22 Jun 2018
Director ceased
ABEEZAR EBRAHIM FAIZULLABHOY
12 Jun 2018
Director ceased
RAMACHANDRAN RAMAKRISHNAN
10 Feb 2018
Director ceased
CHETAN SURESH PARMAR
02 Nov 2017
Director ceased
RAJENDRA PRATAP GAWDE
28 Sep 2017
Director ceased
NILESH SURYAKANT PRADHAN
Director ceased
SONIYA KUMAR GUPTE
22 Jul 2017
Director ceased
SUDHIR SHANKAR MORAVEKAR
14 Feb 2017
Director appointed
NILESH SURYAKANT PRADHAN (Director)
Director appointed
SACHIN NARENDRA DESHPANDE (CFO)
28 Nov 2016
Director ceased
DILIP SHRIRAM MULAY
29 Sep 2016
Last AGM held
Annual general meeting
19 Aug 2016
Director ceased
VILAS KESARINATH MITBAWKAR
04 May 2016
Director ceased
SANJIVE ARORA
31 Mar 2016
Latest balance sheet
Filed with ROC
10 Feb 2016
Director ceased
BABU IYER SUBRAHMANYAM
10
Key Observations
Auto-generated from the data aboveRevenue grew 1.42 over the last 2 financial year(s).
Net profit margin moved from 2.1x to 24%.
Debt-to-equity stands at 0.86 - manageable leverage.
Net worth is positive.
7 active director(s) / partner(s); review board churn before relying on management continuity.
Operates a group structure with 6 subsidiary(ies) - assess on a consolidated basis.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a majority stake as per the FY 2016 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
21 overseas direct investment(s) (ODI) on record - international footprint.
| Company | CIN | Location |
|---|---|---|
| James Hotels | L55101CH1980PLC004249 | U T, Chandigarh, India |
| Haailand | U92199TG2002PTC039047 | Hyderabad, Telangana, India |
| Gurgaon Recreation Park Limited | U92111HR2000PLC034517 | Haryana, Haryana, India |
| Regal Vacation Concepts Private Limited | U55101GA2000PTC002931 | Goa, Goa, India |
| Dlf Ltd | U55101GJ2006PLC096744 | Ahmedabad, Gujarat, India |
| Royal Goan Beach Resorts Private Limited | U18759GA1995PTC003100 | Goa, Goa, India |
| Live Unique Life | U74990GJ1996PTC029292 | Ahmedabad, Gujarat, India |
| Lb Industries Private Limited | U74900MH2008PTC182182 | Nagpur, Maharashtra, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Panoramic Universal before audits and certifications: compliance score 5/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Panoramic Universal: 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: Enhanced diligence advised. Credit risk score 50/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Mixed indicators. Growth score 55/100, margin trends, ownership structure and peer set for Panoramic Universal - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Caution indicated. Trust score 44/100, distress signals and MSME payment-delay disclosures - know whether Panoramic Universal 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 Panoramic Universal - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Panoramic Universal an active company?
Panoramic Universal has MCA status “Active” with a compliance score of 5/100 (Caution Indicated).
Is Panoramic Universal financially healthy?
Panoramic Universal has a Financial Health Score of 50/100 (Moderate) based on its filed financial statements.
Should I do business with Panoramic Universal?
Its overall Trust Score is 44/100 (Caution Indicated). Vendor verdict: Caution indicated. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Panoramic Universal?
Promoters hold a majority stake - exact percentages are in the full report. 7 active director(s) are on record.
Does Panoramic Universal have loans or charges against its assets?
5 open charge(s) are registered against its assets, and 8 earlier charge(s) stand satisfied.
Is Panoramic Universal up to date with its ROC filings?
Marked ACTIVE non-compliant (INC-22A). Overall compliance score: 5/100 (Caution Indicated).
Is it risky to lend to Panoramic Universal?
Its Credit Risk Score is 50/100 (Moderate). Banker verdict: Enhanced diligence advised.
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.
