Paragon Finance Ltd - Due diligence report

A 360° intelligence report on Paragon Finance: trust score, financial health, credit view, compliance, directors, growth and distress signal…

1986-07-21 Kolkata, West Bengal Active Listed Active Compliant
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Paragon Finance — 360° Intelligence Report

Generated from MCA filings & public records
55/100
Trust Score
Moderate

Paragon Finance is assessed as Moderate with a Trust Score of 55/100. Paragon Finance is an active public limited indian non-government company incorporated in 1986, operating in the Financial Services sector. Reported revenue has declined 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 moderate compliance risk and high financial risk profile.

Report generated on 17 Jul 2026 from the latest processed filings. Paragon Finance Ltd snapshot & full profile →

Financial Health › Neutral
Overall Assessment CautionWeakNeutralGoodStrong Good
Compliance › Neutral

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
55/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
50/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
45/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
50/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreCaution Indicated
45/100
Board strength, DIN status, churn and network.
Growth ScoreCaution Indicated
40/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
50/100
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 access

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: 50/100 Moderate
  • Liabilities ≈ 38% EBITDA - stretched.
  • Moderate gearing (D/E 1.42).

Charges position: 1 open (54.00 Lakh) · 4 satisfied (3.80 cr).

Banking relationships (from registered charges)
LenderChargesAmount
Punjab And Sind Bank1 48.0 cr
Tata Capital Financial Services Limited1 48.0 cr
Yes Bank Limited1 48.0 cr
Uco Bank1 48.0 cr
Oriental Bank Of Commerce1 48.0 cr
Compliance Score: 50/100 Moderate
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • Flagged by authority: FIU, BSE.
  • Litigation present in 4 court forum(s).
  • 1 active GST registration(s).
Legal cases on record (4)
05

Director Intelligence

Stability score: 45/100
NameDIN / PANDesignationAppointedTenureDIN status
ANSHUL GOENKA 01234567 Director 01/04/2018 6 yrs Approved
ALOKE KUMAR GUPTA 01234567 Director 01/04/2018 6 yrs Approved
SANJAY KUMAR GUPTA 01234567 Director 01/04/2018 6 yrs Approved
PARUL RAJGARIA 01234567 Director 01/04/2018 6 yrs Approved
ANNY JAIN 01234567 Director 01/04/2018 6 yrs Approved
ALOKE KUMAR GUPTA 01234567 Director 01/04/2018 6 yrs Approved
SANJAY KUMAR GUPTA 01234567 Director 01/04/2018 6 yrs Approved
  • 7 directors on the board.
  • PARUL RAJGARIA has DIN status "Deactivated due to non-filing of DIR-3 KYC".
  • 3 director exit(s) in the last 3 years.
  • Average tenure above 5 years.
Director & KMP remuneration (FY 2023)
NameDesignationTotal remuneration
A K SharmaManaging Director2.4 cr
R MehtaWhole-time Director1.6 cr
S IyerCFO95.0 L

Remuneration is disclosed in the latest annual return. Unlock full report

06

Ownership & Group Intelligence

As per FY 2023 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
0 allotment(s) · 24 transfer(s)

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

Key managerial personnel: ALOKE KUMAR GUPTA (CFO) · SANJAY KUMAR GUPTA (Whole-time director)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 40 · Distress 50
Growth signals & trust indicators
Operating for 39+ years.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
Losses deepening year-on-year.
Outside liabilities up 2.1x in a year.
Compliance score is weak (50/100).
1 open charge(s) registered - assets are encumbered.
4 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence52/100
Review suggested
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 assessment48/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
  • Debt capacity assessed from filed statements.
  • 1 open charge(s) of 54.00 Lakh already registered.
  • 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 15 events
24 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
18 Mar 2024
Charge created
Yes Bank Limited - 54.00 Lakh
26 Sep 2023
Director ceased
ANSHUL GOENKA
Director ceased
ALOKE KUMAR GUPTA
29 Aug 2023
Director appointed
ANSHUL GOENKA (Director)
21 Aug 2023
Director ceased
SUVOBRATA GANGULY
31 Mar 2023
Share transfer (FY 2023)
125000.00000000 shares to SAHARSH ESTATES LLP
03 Mar 2023
Director ceased
SANJAY GOENKA
14 Feb 2023
Director appointed
PARUL RAJGARIA (Director)
07 Sep 2022
Charge satisfied
Tata Capital Financial Services Limited
31 Mar 2022
Share transfer (FY 2022)
18800.00000000 shares to SANJAY KUMAR GUPTA
Share transfer (FY 2022)
46194.00000000 shares to BASERA ABASAN LLP
Share transfer (FY 2022)
125000.00000000 shares to SAHARSH ESTATES LLP
31 Jan 2022
Director ceased
SANJAY KUMAR GUPTA
10

Key Observations

Auto-generated from the data above
Revenue declined 24% over the last 4 financial year(s).
Net profit margin moved from 0.86 to 61%.
Debt-to-equity stands at 38% - manageable leverage.
Net worth is positive.
7 active director(s) / partner(s); review board churn before relying on management continuity.
1 active GST registration(s) indicate ongoing business operations.
Promoters hold a majority stake as per the FY 2023 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Rkb Securities U67120WB1995PLC224858 Kolkata, West Bengal, India
Incred U74899MH1991PTC340312 Mumbai, Maharashtra, India
Prabhudas Lilladher U65190MH2007PTC169741 Mumbai, Maharashtra, India
Jothi Credits And Financial Services Private Limited U67110TN2019PTC131139 Tiruchirappalli, Tamil Nadu, India
Marathon Capital Advisory Private Limited U67190MH2003PTC143425 Mumbai, Maharashtra, India
Njr Finance Pvt Ltd U65999MH1982PTC026381 Pune City, Maharashtra, India
Shri Ayngaran Business Chits Private Limited U65992TN2010PTC077140 Kancheepuram, Tamil Nadu, India
Ujjwal Finserv Private Limited U65920PB1981PTC004719 Jalandhar, Punjab, India
12

Who Uses This Report

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

Verify Paragon Finance before audits and certifications: compliance score 50/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Paragon Finance: 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 50/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Mixed indicators. Growth score 40/100, margin trends, ownership structure and peer set for Paragon Finance - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Review suggested. Trust score 55/100, distress signals and MSME payment-delay disclosures - know whether Paragon Finance pays its suppliers before you extend credit terms.

Lawyers & Compliance Teams

Litigation footprint (4 case(s) on record), regulatory flags, charge documents trail and director networks for Paragon Finance - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Paragon Finance an active company?

Paragon Finance has MCA status “Active” with a compliance score of 50/100 (Moderate).

Is Paragon Finance financially healthy?

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

Should I do business with Paragon Finance?

Its overall Trust Score is 55/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Paragon Finance?

Promoters hold a majority stake - exact percentages are in the full report. 7 active director(s) are on record.

Does Paragon Finance have loans or charges against its assets?

1 open charge(s) are registered against its assets, and 4 earlier charge(s) stand satisfied.

Is Paragon Finance up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 50/100 (Moderate).

Is it risky to lend to Paragon Finance?

Its Credit Risk Score is 50/100 (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.