Prayanam Chits Private Limited - Due diligence report

A 360° intelligence report on Prayanam Chits Private Limited: trust score, financial health, credit view, compliance, directors, growth and …

2014-03-19 Aluva, Kerala Active Unlisted Active Non-Compliant
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PC Prayanam Chits Private Limited
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Prayanam Chits Private Limited — 360° Intelligence Report

Generated from MCA filings & public records
63/100
Trust Score
Moderate

Prayanam Chits Private Limited is assessed as Moderate with a Trust Score of 63/100. Prayanam Chits Private Limited is an active private limited indian non-government company incorporated in 2014, 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 moderate compliance risk and moderate financial risk profile.

Report generated on 16 Jul 2026 from the latest processed filings. Prayanam Chits Private Limited snapshot & full profile →

Financial Health › Neutral
Overall Assessment CautionWeakNeutralGoodStrong Good
Compliance › Good

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
63/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
55/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
50/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
55/100
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
80/100
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: 55/100 Moderate
  • Negative operating earnings - debt service depends on external support.
  • No open charges - unencumbered balance sheet.
  • Moderate gearing (D/E 38%).

Charges position: 0 open (-) · 0 satisfied (-).

Compliance Score: 55/100 Moderate
  • Company status is Active as per MCA.
  • Marked ACTIVE non-compliant (INC-22A).
  • Last balance sheet is for Mar 2019 - filings overdue.
05

Director Intelligence

Stability score: 55/100
NameDIN / PANDesignationAppointedTenureDIN status
NARAYANAN NAIR SATHIANATHAN 01234567 Director 01/04/2018 6 yrs Approved
JAYANTHI 01234567 Director 01/04/2018 6 yrs Approved
MUNDACKAL ACHUTHAN NALINAKSHAN NAIR 01234567 Director 01/04/2018 6 yrs Approved
VAZHAPPANALIL RADHAKRISHNAN SMITHA 01234567 Director 01/04/2018 6 yrs Approved
RETHI 01234567 Director 01/04/2018 6 yrs Approved
PARANESWARAN NAIR VENGAPPILLIL AJITHKUMAR 01234567 Director 01/04/2018 6 yrs Approved
VAPPANALIL VASUDEV 01234567 Director 01/04/2018 6 yrs Approved
VALSAMMA PRASAD 01234567 Director 01/04/2018 6 yrs Approved
SIVANKUTTY NARAYANAN NAIR 01234567 Director 01/04/2018 6 yrs Approved
  • 9 directors on the board.
  • JAYANTHI has DIN status "Deactivated due to non-filing of DIR-3 KYC".
  • Stable board - no exits in 3 years.
  • Average tenure above 5 years.
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: SIVANKUTTY NARAYANAN NAIR (Managing Director)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth N/A · Distress 80
Growth signals & trust indicators
Operating for 12+ years.
Distress signals & risk flags
Statutory filings appear overdue.
Compliance score is weak (55/100).
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence65/100
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 assessment54/100
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 view33/100
Limited indicators at present
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 12 events
30 Sep 2019
Last AGM held
Annual general meeting
31 Mar 2019
Latest balance sheet
Filed with ROC
19 Mar 2014
Incorporated
Registered with Roc Ernakulam
Director appointed
NARAYANAN NAIR SATHIANATHAN (Director)
Director appointed
JAYANTHI (Director)
Director appointed
MUNDACKAL ACHUTHAN NALINAKSHAN NAIR (Director)
Director appointed
VAZHAPPANALIL RADHAKRISHNAN SMITHA (Director)
Director appointed
RETHI (Director)
Director appointed
PARANESWARAN NAIR VENGAPPILLIL AJITHKUMAR (Director)
Director appointed
VAPPANALIL VASUDEV (Director)
Director appointed
VALSAMMA PRASAD (Director)
Director appointed
SIVANKUTTY NARAYANAN NAIR (Managing Director)
10

Key Observations

Auto-generated from the data above
9 active director(s) / partner(s); review board churn before relying on management continuity.
Promoters hold a dominant controlling stake as per the FY 2017 annual return.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Milestone Capital Consultants Private Limited U74140DL2010PTC200186 Delhi, Delhi, India
Rajat Trading & Securities Private Limited U51109JH1994PTC005989 Ranchi, Jharkhand, India
Advitanand Holdings Private Limited U74899HR1993PTC083876 Haryana, Haryana, India
Golden Exim Private Limited U51909WB2003PTC097338 Kolkata, West Bengal, India
Vmelo Wearin Limited U24294TN1993PLC024168 Tamil Nadu, Tamil Nadu, India
Argus Capital And Financial Services Private Limited U74899DL1992PTC051058 New Delhi, Delhi, India
Vijayaganapathi Kartikeya Chit Funds Private Limited U65992TG2013PTC090588 Sathupalli, Telangana, India
Waldorf India Ltd L45202WB1983PLC035941 Kolkata, West Bengal, India
12

Who Uses This Report

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

Verify Prayanam Chits Private Limited before audits and certifications: compliance score 55/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Prayanam Chits Private Limited: 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 55/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Limited indicators at present. Growth score n/a, margin trends, ownership structure and peer set for Prayanam Chits Private Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Review suggested. Trust score 63/100, distress signals and MSME payment-delay disclosures - know whether Prayanam Chits Private Limited 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 Prayanam Chits Private Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Prayanam Chits Private Limited an active company?

Prayanam Chits Private Limited has MCA status “Active” with a compliance score of 55/100 (Moderate).

Is Prayanam Chits Private Limited financially healthy?

Prayanam Chits Private Limited has a Financial Health Score of 50/100 (Moderate) based on its filed financial statements.

Should I do business with Prayanam Chits Private Limited?

Its overall Trust Score is 63/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Prayanam Chits Private Limited?

Promoters hold a dominant controlling stake - exact percentages are in the full report. 9 active director(s) are on record.

Does Prayanam Chits Private Limited have loans or charges against its assets?

No charges are registered against this company - an unencumbered balance sheet.

Is Prayanam Chits Private Limited up to date with its ROC filings?

Marked ACTIVE non-compliant (INC-22A). Overall compliance score: 55/100 (Moderate).

Is it risky to lend to Prayanam Chits Private Limited?

Its Credit Risk Score is 55/100 (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.