Prima Credits Limited - Due diligence report

A 360° intelligence report on Prima Credits Limited: trust score, financial health, credit view, compliance, directors, growth and distress …

1993-11-19 Cochin, Kerala Active Unlisted Active Compliant
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Prima Credits Limited — 360° Intelligence Report

Generated from MCA filings & public records
69/100
Trust Score
Moderate

Prima Credits Limited is assessed as Moderate with a Trust Score of 69/100. Prima Credits Limited is an active public limited indian non-government company incorporated in 1993, operating in the Financial Services sector. It reported a loss in its latest filed year. 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. Prima Credits 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
69/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
60/100
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 ScoreLow Risk
90/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
50/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
75/100
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 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: 60/100 Moderate
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • Flagged by authority: RBI.
  • 1 auditor resignation(s) filed - latest: VIJAYKUMAR AND EASWARAN on 2021-08-27.
05

Director Intelligence

Stability score: 90/100
NameDIN / PANDesignationAppointedTenureDIN status
KUSHAGRA GUPTA 01234567 Director 01/04/2018 6 yrs Approved
S K GUPTA 01234567 Director 01/04/2018 6 yrs Approved
SWATI GUPTA 01234567 Director 01/04/2018 6 yrs Approved
  • 3 directors on the board.
  • No disqualified or deactivated DINs.
  • 1 director exit(s) in the last 3 years.
  • Average tenure above 5 years.
06

Ownership & Group Intelligence

As per FY 2023 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.

Group entityRelationship% held
Prima Beverage Private Limited Associate Company 74.00%

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 50 · Distress 75
Growth signals & trust indicators
Operating for 32+ years.
Distress signals & risk flags
Losses deepening year-on-year.
1 auditor resignation(s) on record - review the stated reasons.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence67/100
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 assessment55/100
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 view55/100
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 12 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
29 Sep 2023
Director ceased
KUSHAGRA GUPTA
25 Apr 2023
Director appointed
KUSHAGRA GUPTA (Director)
28 Sep 2019
Director ceased
KUSHESHWAR JHA
09 Jul 2018
Director ceased
RAJYAVARDHAN AGARWALA
28 Sep 2017
Director ceased
SWATI GUPTA
29 Mar 2016
Director ceased
SANJAY GUPTA
04 Feb 2016
Director appointed
SWATI GUPTA (Director)
04 Dec 2012
Director ceased
SUSHILA GUPTA
19 Nov 1993
Incorporated
Registered with Roc Ernakulam
Director appointed
S K GUPTA (Director)
10

Key Observations

Auto-generated from the data above
Debt-to-equity stands at 1.42 - manageable leverage.
Net worth is positive.
3 active director(s) / partner(s); board looks stable and experienced.
Promoters hold a dominant controlling stake as per the FY 2023 annual return.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Lancers Impex Private Limited U28939DL1997PTC089760 New Delhi, Delhi, India
Meenal Commodities Private Limited U51100MH2005PTC156158 Andheri West, Maharashtra, India
Fans Wealth Management & Imf Private Limited U74999UP2017PTC096882 Lucknow, Uttar Pradesh, India
Croissance Investments Private Limited U74140DL2015PTC278677 Delhi, Delhi, India
Creditsathi U65990RJ2020PTC067731 Jaipur, Rajasthan, India
Swosha India Private Limited U18111MH2009PTC195523 Bhiwandi, Maharashtra, India
Munisuvrat Consultancy Private Limited U93030MH2012PTC234889 Mumbai, Maharashtra, India
Satta Advisors Limited U75131WB2001PLC093316 Kolkata, West Bengal, India
12

Who Uses This Report

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

Verify Prima Credits Limited before audits and certifications: compliance score 60/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Prima Credits 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: Mixed indicators. Growth score 50/100, margin trends, ownership structure and peer set for Prima Credits Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Review suggested. Trust score 69/100, distress signals and MSME payment-delay disclosures - know whether Prima Credits 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 Prima Credits Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Prima Credits Limited an active company?

Prima Credits Limited has MCA status “Active” with a compliance score of 60/100 (Moderate).

Is Prima Credits Limited financially healthy?

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

Should I do business with Prima Credits Limited?

Its overall Trust Score is 69/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Prima Credits Limited?

Promoters hold a dominant controlling stake - exact percentages are in the full report. 3 active director(s) are on record.

Does Prima Credits Limited have loans or charges against its assets?

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

Is Prima Credits Limited up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 60/100 (Moderate).

Is it risky to lend to Prima Credits 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.