Promoter holding
64.27%
PT
Payswiff Technologies Private Limited - Due diligence report
A 360° intelligence report on Payswiff: trust score, financial health, credit view, compliance, directors, growth and distress signals - gen…
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Payswiff — 360° Intelligence Report
Generated from MCA filings & public records75/100
Trust Score
Low Risk
Payswiff is assessed as Low Risk with a Trust Score of 75/100. Payswiff is an active private limited indian non-government company incorporated in 2013, 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 low compliance risk and high financial risk profile.
Report generated on 25 Jul 2026 from the latest processed filings. Payswiff Technologies Private 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 ScoreLow Risk
75/100
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
25/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
20/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
50/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
65/100
Early-warning signals - higher means fewer warnings.
03
Financial Intelligence Dashboard
Consolidated · 2 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: 20/100 Caution Indicated
- Liabilities ≈ 38% EBITDA - stretched.
- Open charges exceed net worth - secured lenders rank ahead.
- Elevated gearing (D/E 1.42).
Charges position: 4 open (15.41 cr) · 1 satisfied (45.00 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Axis Bank Limited | 3 | 48.0 cr |
| Hdfc Bank Limited | 1 | 48.0 cr |
| Others | 1 | 48.0 cr |
Compliance Score: 100/100 Low Risk
- Company status is Active as per MCA.
- Annual filings current (balance sheet Mar 2025).
- 17 active GST registration(s).
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Director Intelligence
Stability score: 95/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| ARULSELVAN DHARMALINGAM | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| ABHAY DESHPANDE RAOSAHEB | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| RAVINDRA KUMAR KUNDU | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| PRABHURAM RADHAKRISHNAN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| ARUN VENKATACHALAM | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 5 directors on the board.
- No disqualified or deactivated DINs.
- Stable board - no exits in 3 years.
- Average tenure above 5 years.
Director & KMP remuneration (FY 2023)
| 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 2023 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
2
Group entities
2
Capital events
29 allotment(s) · 0 transfer(s)
Promoters hold the largest single block of equity - exact percentages are part of the full report.
| Group entity | Relationship | % held |
|---|---|---|
| Payswiff Services Private Limited | Subsidiary Company | 74.00% |
| Payswiff Solutions Private Limited | Subsidiary Company | 74.00% |
Full shareholding pattern, group structure & capital events →
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Risk Intelligence Center
Growth 50 · Distress 65
Growth signals & trust indicators
Asset base grew 2.1x - capacity expansion.
EPFO headcount growing - hiring signal.
Operating for 12+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
Outside liabilities up 24% in a year.
4 open charge(s) registered - assets are encumbered.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence82/100
Favourable indicators
Suitability as a supplier / customer counterparty.
- Statutory record is clean.
- 2 distress signal(s) - see Risk Center.
- Financial filings available for verification.
Banker assessment42/100
Enhanced diligence advised
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 4 open charge(s) of 15.41 cr already registered.
- Compliance record supports lending.
Investor view48/100
Mixed indicators
Growth quality and scalability through an investor lens.
- 2 growth signal(s) detected.
- Margin and return trends computable from filings.
- Management team looks stable.
09
MCA Filings & Events Timeline
Latest 15 events04 Oct 2025
Charge satisfied
Axis Bank Limited
29 Jul 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
04 Nov 2022
Charge created
Axis Bank Limited - 5.00 cr
07 Oct 2022
Charge created
Axis Bank Limited - 45.00 cr
26 Jul 2022
Securities allotted
6900 Equity Shares - 69,000.00 raised
15 Jun 2022
Charge created
Axis Bank Limited - 20.00 Lakh
11 Apr 2022
Charge created
Hdfc Bank Limited - 10.00 cr
30 Mar 2022
Securities allotted
246509 Equity Shares - 40.00 cr raised
15 Mar 2022
Director ceased
ARULSELVAN DHARMALINGAM
Director ceased
RAVINDRA KUMAR KUNDU
Director ceased
ARUN VENKATACHALAM
11 Mar 2022
Director appointed
ARULSELVAN DHARMALINGAM (Director)
Director appointed
RAVINDRA KUMAR KUNDU (Director)
Director appointed
ARUN VENKATACHALAM (Director)
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Key Observations
Auto-generated from the data aboveRevenue declined 0.86 over the last 1 financial year(s).
Net profit margin moved from 61% to 38%.
Debt-to-equity stands at 1.42 - leverage worth monitoring.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
5 active director(s) / partner(s); board looks stable and experienced.
17 active GST registration(s) indicate ongoing business operations.
Operates a group structure with 2 subsidiary(ies) - assess on a consolidated basis.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold the largest single block of equity as per the FY 2023 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 29 security allotment(s) - amounts available in the full report.
24 overseas direct investment(s) (ODI) on record - international footprint.
| Company | CIN | Location |
|---|---|---|
| Sanj Feed Technologies Private Limited | U74900AP2015PTC097963 | Nandyal, Andhra Pradesh, India |
| Hipoint Connect | U74999MH2017PTC294215 | Navi Mumbai, Maharashtra, India |
| Asz Technologies Private Limited | U72200KA2013PTC069992 | Bangalore, Karnataka, India |
| Spsoft | U72200PN1999PTC014223 | Pune, Maharashtra, India |
| Rig Enterprise Applications Private Limited | U72200TG2016PTC103180 | Hyderabad, Telangana, India |
| One Source Consultancy Private Limited | U74992JH2016PTC003569 | Jamshedpur, Jharkhand, India |
| Northeast Dataa Network Private Limited | U64202KA2005PTC036060 | Bangalore, Karnataka, India |
| Tts Business Services Private Limited | U72900TN2015PTC103226 | Trichy, Tamil Nadu, India |
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Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Payswiff 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 Payswiff: 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 20/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Mixed indicators. Growth score 50/100, margin trends, ownership structure and peer set for Payswiff - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Favourable indicators. Trust score 75/100, distress signals and MSME payment-delay disclosures - know whether Payswiff 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 Payswiff - groundwork for KYC, onboarding and disputes.
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Frequently Asked Questions
Is Payswiff an active company?
Payswiff has MCA status “Active” with a compliance score of 100/100 (Low Risk).
Is Payswiff financially healthy?
Payswiff has a Financial Health Score of 25/100 (Caution Indicated) based on its filed financial statements.
Should I do business with Payswiff?
Its overall Trust Score is 75/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Payswiff?
Promoters hold the largest single block of equity - exact percentages are in the full report. 5 active director(s) are on record.
Does Payswiff have loans or charges against its assets?
4 open charge(s) are registered against its assets, and 1 earlier charge(s) stand satisfied.
Is Payswiff 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 Payswiff?
Its Credit Risk Score is 20/100 (Caution Indicated). 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.
