Promoter holding
64.27%
PE
Payal Electronics Pvt Ltd - Due diligence report
A 360° intelligence report on Payal Electronics Pvt Ltd: trust score, financial health, credit view, compliance, directors, growth and distr…
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Payal Electronics Pvt Ltd — 360° Intelligence Report
Generated from MCA filings & public records70/100
Trust Score
Moderate
Payal Electronics Pvt Ltd is assessed as Moderate with a Trust Score of 70/100. Payal Electronics Pvt Ltd is a private limited indian non-government company incorporated in 1987, operating in the Trading sector. Processed financial statements are not yet available for trend analysis. Based on MCA filings and public records, it currently shows a high compliance risk and low financial risk profile.
Report generated on 13 Aug 2026 from the latest processed filings. Payal Electronics Pvt Ltd 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 ScoreModerate
70/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
43/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
80/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
60/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreNo Data
N/A
Needs at least two filed years to measure growth.
Distress ScoreModerate
65/100
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 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: 60/100 Moderate
- Negative operating earnings - debt service depends on external support.
- No open charges - unencumbered balance sheet.
- Working-capital cover adequate.
- Profitable - internal accruals available.
Charges position: 0 open (-) · 1 satisfied (50.00 Lakh).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| The Hongkong & Shanghai Bank Corporation Limited | 1 | 48.0 cr |
Compliance Score: 43/100 Caution Indicated
- Company status is "Amalgamated" - not Active.
- Balance sheet slightly behind (Mar 2024).
05
Director Intelligence
Stability score: 95/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| MILIND DATTATRAYA MANKE | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| GITA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 2 directors on the board.
- No disqualified or deactivated DINs.
- Stable board - no exits in 3 years.
06
Ownership & Group Intelligence
As per FY 2017 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
Karam Chand Thapar & Bros (coal Sales ) Ltd
Subsidiaries
-
Group entities
2
Capital events
-
| Group entity | Relationship | % held |
|---|---|---|
| Karam Chand Thapar & Bros (coal Sales ) Ltd | Holding Company | 74.00% |
| The Punjab Business & Supply Company Private Limited | Associate Company | 74.00% |
| The Doaba Industrial & Trading Company Private Limited | Associate Company | 74.00% |
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth N/A · Distress 65
Growth signals & trust indicators
Operating for 39+ years.
Distress signals & risk flags
Adverse company status: Amalgamated.
Compliance score is weak (43/100).
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence58/100
Review suggested
Suitability as a supplier / customer counterparty.
- Check the compliance flags before onboarding.
- 1 distress signal(s) - see Risk Center.
- Financial filings available for verification.
Banker assessment62/100
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 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 team looks stable.
09
MCA Filings & Events Timeline
Latest 14 events30 Sep 2024
Last AGM held
Annual general meeting
31 Mar 2024
Latest balance sheet
Filed with ROC
27 Sep 2022
Director ceased
GITA
17 Feb 2022
Director ceased
NIRMAL CHATTOPADHYAY
07 Feb 2022
Director appointed
GITA (Director)
30 Sep 2021
Director ceased
MILIND DATTATRAYA MANKE
19 Feb 2021
Director appointed
MILIND DATTATRAYA MANKE (Director)
Director ceased
ANKUSH KHANNA
11 Feb 2021
Charge satisfied
The Hongkong & Shanghai Bank Corporation Limited
02 Feb 2018
Director ceased
RATNESH KESHAVA NANDKEOLYAR
31 Mar 2013
Director ceased
SATISH KUMAR GUPTA
31 Jul 2012
Director ceased
SALEEM KHAN
08 Sep 1994
Charge created
The Hongkong & Shanghai Bank Corporation Limited - 50.00 Lakh
16 Jan 1987
Incorporated
Registered with Roc Kolkata
10
Key Observations
Auto-generated from the data above2 active director(s) / partner(s); board looks stable and experienced.
All 1 registered charge(s) stand satisfied - past borrowings repaid.
| Company | CIN | Location |
|---|---|---|
| Rst Consumer Care Private Limited | U51109GJ2011PTC065562 | Ahmedabad, Gujarat, India |
| Fleuron Tracom Pvt.Ltd. | U51109WB1995PTC070849 | Kolkata, West Bengal, India |
| Eastern Drugs And Research Centre Private Limited | U24230JH2005PTC011771 | Sakchi,Jamshedpur-831001, Jharkhand, India |
| Vridhi Trexim Private Limited | U51109WB2009PTC134984 | Kolkata, West Bengal, India |
| Watchman Cctv India Private Limited | U74900WB2016PTC210113 | Kolkata, West Bengal, India |
| Sun Techlink Private Limited | U72900DL2013PTC258948 | New Delhi, Delhi, India |
| Tinytex Commercial Private Limited | U51909WB2008PTC128825 | Kolkata, West Bengal, India |
| Mrv Trade Links Private Limited | U52590DL2008PTC179527 | Delhi, Delhi, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Payal Electronics Pvt Ltd before audits and certifications: compliance score 43/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Payal Electronics 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: Mixed indicators - deeper appraisal suggested. Credit risk score 60/100, 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 Payal Electronics Pvt Ltd - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Review suggested. Trust score 70/100, distress signals and MSME payment-delay disclosures - know whether Payal Electronics 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 Payal Electronics Pvt Ltd - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Payal Electronics Pvt Ltd an active company?
Payal Electronics Pvt Ltd has MCA status “Amalgamated” with a compliance score of 43/100 (Caution Indicated).
Is Payal Electronics Pvt Ltd financially healthy?
Payal Electronics Pvt Ltd has a Financial Health Score of 80/100 (Low Risk) based on its filed financial statements.
Should I do business with Payal Electronics Pvt Ltd?
Its overall Trust Score is 70/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Payal Electronics Pvt Ltd?
The ultimate holding entity is Karam Chand Thapar & Bros (coal Sales ) Ltd. 2 active director(s) are on record.
Does Payal Electronics Pvt Ltd have loans or charges against its assets?
No open charges - all 1 registered charge(s) stand satisfied, indicating past borrowings were repaid.
Is Payal Electronics Pvt Ltd up to date with its ROC filings?
Balance sheet slightly behind (Mar 2024). Overall compliance score: 43/100 (Caution Indicated).
Is it risky to lend to Payal Electronics Pvt Ltd?
Its Credit Risk Score is 60/100 (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.
