Pavitra Chit Funds Pvt Ltd - Due diligence report

A 360° intelligence report on Pavitra Chit Funds Pvt Ltd: trust score, financial health, credit view, compliance, directors, growth and dist…

1987-05-21 Governorpet, Vijayawada, Andhra Pradesh Active Unlisted Active Compliant
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Pavitra Chit Funds Pvt Ltd — 360° Intelligence Report

Generated from MCA filings & public records
85/100
Trust Score
Low Risk

Pavitra Chit Funds Pvt Ltd is assessed as Low Risk with a Trust Score of 85/100. Pavitra Chit Funds Pvt Ltd is an active private limited indian non-government company incorporated in 1987, 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 low financial risk profile.

Report generated on 23 Jul 2026 from the latest processed filings. Pavitra Chit Funds Pvt Ltd snapshot & full profile →

Financial Health › Strong
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
85/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
100/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
75/100
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 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.

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.
  • Profitable - internal accruals available.

Charges position: 4 open (97.44 Lakh) · 0 satisfied (-).

Banking relationships (from registered charges)
LenderChargesAmount
The Industrial Credit And Investment Corp Of India Ltd1 48.0 cr
Bank Of India3 48.0 cr
Compliance Score: 100/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • 1 active GST registration(s).
05

Director Intelligence

Stability score: 55/100
NameDIN / PANDesignationAppointedTenureDIN status
NAGESWARA RAO CHIGURUPATI 01234567 Director 01/04/2018 6 yrs Approved
JYOTHI CHIGURUPATI 01234567 Director 01/04/2018 6 yrs Approved
  • 2 directors on the board.
  • NAGESWARA RAO CHIGURUPATI 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 2017)
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 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.

Key managerial personnel: NAGESWARA RAO CHIGURUPATI (Managing Director)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth N/A · Distress 90
Growth signals & trust indicators
Operating for 39+ years.
Active GST registration(s).
Distress signals & risk flags
4 open charge(s) registered - assets are encumbered.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence92/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • No distress signals on file.
  • Financial filings available for verification.
Banker assessment70/100
Favourable lending indicators
Indicative lending comfort for banks, NBFCs and trade credit.
  • Debt capacity assessed from filed statements.
  • 4 open charge(s) of 97.44 Lakh already registered.
  • Compliance record supports lending.
Investor view48/100
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 11 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
18 Apr 2023
Director appointed
JYOTHI CHIGURUPATI (Director)
Director ceased
SITA JASTI
29 Aug 2018
Director ceased
VENKATESWARA RAO CHIGURUPATI
29 Sep 2017
Director ceased
SUBBA RAO CHIGURUPATI
04 Mar 1995
Charge created
Bank Of India - 1.75 Lakh
29 Jun 1990
Charge created
Bank Of India - 94,000.00
25 Apr 1990
Charge created
The Industrial Credit And Investment Corp Of India Ltd - 93.00 Lakh
21 May 1987
Incorporated
Registered with Roc Vijayawada
Director appointed
NAGESWARA RAO CHIGURUPATI (Managing Director)
10

Key Observations

Auto-generated from the data above
Compliance record is strong - status, filings and flags are clean.
2 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 dominant controlling stake as per the FY 2017 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
Scope Private Limited U28900MH1945PTC004437 Mumbai, Maharashtra, India
Chanani Capital City And Towers Pvt Ltd U45203WB1995PTC072019 Kolkata, West Bengal, India
Southern Star Chit Fund Private Limited U65992HR2008PTC038541 Faridabad, Haryana, India
Prudent Comder Private Limited U67100GJ2010PTC060584 Ahmedabad, Gujarat, India
Rmg Nidhi Limited U65991TN1995PLN033583 Madras 600015, Tamil Nadu, India
Mushupug Consultancy Private Limited U70200MH1950PTC008223 Mumbai, Maharashtra, India
Angad Chemical Pvt Ltd U51909WB1995PTC067569 Kolkata, West Bengal, India
Ushus Kuries Private Limited U65992KL1983PTC003848 Trichur, Kerala, India
12

Who Uses This Report

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

Verify Pavitra Chit Funds Pvt Ltd 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 Pavitra Chit Funds Pvt Ltd: 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 50/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Mixed indicators. Growth score n/a, margin trends, ownership structure and peer set for Pavitra Chit Funds Pvt Ltd - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 85/100, distress signals and MSME payment-delay disclosures - know whether Pavitra Chit Funds Pvt Ltd 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 Pavitra Chit Funds Pvt Ltd - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Pavitra Chit Funds Pvt Ltd an active company?

Pavitra Chit Funds Pvt Ltd has MCA status “Active” with a compliance score of 100/100 (Low Risk).

Is Pavitra Chit Funds Pvt Ltd financially healthy?

Pavitra Chit Funds Pvt Ltd has a Financial Health Score of 75/100 (Low Risk) based on its filed financial statements.

Should I do business with Pavitra Chit Funds Pvt Ltd?

Its overall Trust Score is 85/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Pavitra Chit Funds Pvt Ltd?

Promoters hold a dominant controlling stake - exact percentages are in the full report. 2 active director(s) are on record.

Does Pavitra Chit Funds Pvt Ltd have loans or charges against its assets?

4 open charge(s) are registered against its assets.

Is Pavitra Chit Funds Pvt Ltd 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 Pavitra Chit Funds Pvt Ltd?

Its Credit Risk Score is 50/100 (Moderate). 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.