Promoter holding
64.27%
PM
Prayatna Microfinance Limited - Due diligence report
A 360° intelligence report on Prayatna Microfinance Limited: trust score, financial health, credit view, compliance, directors, growth and d…
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Prayatna Microfinance Limited — 360° Intelligence Report
Generated from MCA filings & public records79/100
Trust Score
Low Risk
Prayatna Microfinance Limited is assessed as Low Risk with a Trust Score of 79/100. Prayatna Microfinance Limited is an active public limited indian non-government company incorporated in 2017, operating in the Financial Services sector. The company has shown revenue growth across its recent filed years. It was profitable in its latest filed year. Based on MCA filings and public records, it currently shows a low compliance risk and low financial risk profile.
Report generated on 24 Jul 2026 from the latest processed filings. Prayatna Microfinance 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
79/100
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
80/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
35/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreCaution Indicated
30/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
95/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
80/100
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 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: 35/100 Caution Indicated
- Liabilities ≈ 38% EBITDA - stretched.
- Open charges exceed net worth - secured lenders rank ahead.
- Elevated gearing (D/E 1.42).
- Working-capital cover adequate.
- Profitable - internal accruals available.
Charges position: 30 open (157.13 cr) · 73 satisfied (203.10 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Others | 91 | 48.0 cr |
| Indian Overseas Bank | 3 | 48.0 cr |
| Uco Bank | 2 | 48.0 cr |
| State Bank Of India | 1 | 48.0 cr |
| Indian Bank | 1 | 48.0 cr |
| Canara Bank | 2 | 48.0 cr |
Compliance Score: 100/100 Low Risk
- Company status is Active as per MCA.
- Annual filings current (balance sheet Mar 2025).
- 7 active GST registration(s).
05
Director Intelligence
Stability score: 30/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| SUSHMITA SRIVASTAV | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| ANIL KUMAR MITTAL | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SATISH CHANDRA SINHA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SOMYA SRIVASTAVA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SHIV NARAIN KAUSHIK | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Priyal Agrawal | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Abha Anand | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Mukesh Kumar Jha | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 8 directors on the board.
- SHIV NARAIN KAUSHIK has DIN status "Deactivated due to non-filing of DIR-3 KYC".
- 7 director exits in 3 years - high churn.
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
-
Group entities
-
Capital events
20 allotment(s) · 0 transfer(s)
Promoters hold a dominant controlling stake - exact percentages are part of the full report.
Key managerial personnel: SUSHMITA SRIVASTAV (Whole-time director) · SOMYA SRIVASTAVA (Whole-time director) · Mukesh Kumar Jha (Managing Director)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 95 · Distress 80
Growth signals & trust indicators
Revenue acceleration: +2.1x over 4 year(s).
Latest year revenue grew 24%.
Profit expanded 0.86 year-on-year.
Net margin improved to 61%.
EPFO headcount growing - hiring signal.
Operating for 8 years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
5 director exits within 2 years.
30 open charge(s) registered - assets are encumbered.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence88/100
Favourable indicators
Suitability as a supplier / customer counterparty.
- Statutory record is clean.
- 1 distress signal(s) - see Risk Center.
- Financial filings available for verification.
Banker assessment65/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 30 open charge(s) of 157.13 cr already registered.
- Compliance record supports lending.
Investor view86/100
Positive growth indicators
Growth quality and scalability through an investor lens.
- 5 growth signal(s) detected.
- Margin and return trends computable from filings.
- Management churn warrants questions.
09
MCA Filings & Events Timeline
Latest 15 events06 Dec 2025
Charge satisfied
Others
25 Nov 2025
Charge satisfied
Others
13 Nov 2025
Charge satisfied
Others
12 Nov 2025
Charge satisfied
Others
11 Nov 2025
Charge satisfied
Others
28 Oct 2025
Director ceased
ANIL KUMAR MITTAL
10 Oct 2025
Director appointed
Abha Anand (Additional Director)
07 Oct 2025
Director appointed
ANIL KUMAR MITTAL (Director)
Director appointed
Mukesh Kumar Jha (Managing Director)
Director ceased
Mukesh Kumar Jha
26 Sep 2025
Charge satisfied
Others
25 Sep 2025
Charge satisfied
Others
02 Sep 2025
Charge satisfied
Others
25 Aug 2025
Charge satisfied
Others
21 Aug 2025
Charge satisfied
Others
10
Key Observations
Auto-generated from the data aboveRevenue grew 38% over the last 4 financial year(s).
Net profit margin moved from 1.42 to 2.1x.
Debt-to-equity stands at 24% - leverage worth monitoring.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
8 active director(s) / partner(s); review board churn before relying on management continuity.
7 active GST registration(s) indicate ongoing business operations.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a dominant controlling 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.
Capital has been raised through 20 security allotment(s) - amounts available in the full report.
| Company | CIN | Location |
|---|---|---|
| Inditrade Fincorp Limited | U65923KL2007PLC021180 | Kochi, Kerala, India |
| A.T.E. Group | U74140MH1971PTC015101 | Mumbai, Maharashtra, India |
| Sil Investments | L17301RJ1934PLC002761 | Jhalawar, Rajasthan, India |
| Kafl | U74999GJ1994PLC022816 | Rajkot, Gujarat, India |
| Commonwealth Inclusive Growth Services | U65920TN2008PLC066120 | Chennai, Tamil Nadu, India |
| Atishay Infotech | L70101MH2000PLC192613 | Mumbai, Maharashtra, India |
| Rupitol Finance | U65900RJ2018PTC063005 | Udaipur, Rajasthan, India |
| Lyon Investment And Industries Private Limited | U67120MH1982PTC026892 | Mumbai, Maharashtra, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Prayatna Microfinance Limited 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 Prayatna Microfinance 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 35/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Positive growth indicators. Growth score 95/100, margin trends, ownership structure and peer set for Prayatna Microfinance Limited - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Favourable indicators. Trust score 79/100, distress signals and MSME payment-delay disclosures - know whether Prayatna Microfinance 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 Prayatna Microfinance Limited - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Prayatna Microfinance Limited an active company?
Prayatna Microfinance Limited has MCA status “Active” with a compliance score of 100/100 (Low Risk).
Is Prayatna Microfinance Limited financially healthy?
Prayatna Microfinance Limited has a Financial Health Score of 80/100 (Low Risk) based on its filed financial statements.
Should I do business with Prayatna Microfinance Limited?
Its overall Trust Score is 79/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Prayatna Microfinance Limited?
Promoters hold a dominant controlling stake - exact percentages are in the full report. 8 active director(s) are on record.
Does Prayatna Microfinance Limited have loans or charges against its assets?
30 open charge(s) are registered against its assets, and 73 earlier charge(s) stand satisfied.
Is Prayatna Microfinance Limited 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 Prayatna Microfinance Limited?
Its Credit Risk Score is 35/100 (Caution Indicated). 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.
