Psi Phi Global Solutions Private Limited - Due diligence report

A 360° intelligence report on Okcredit: trust score, financial health, credit view, compliance, directors, growth and distress signals - gen…

2016-09-29 Bangalore South, Karnataka Active Unlisted Active Compliant
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Okcredit — 360° Intelligence Report

Generated from MCA filings & public records
85/100
Trust Score
Low Risk

Okcredit is assessed as Low Risk with a Trust Score of 85/100. Okcredit is an active private limited indian non-government company incorporated in 2016, operating in the Financial Services sector. The company has shown revenue growth 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 moderate financial risk profile.

Report generated on 08 Jul 2026 from the latest processed filings. Psi Phi Global Solutions Private Limited snapshot & full profile →

Financial Health › Strong
Overall Assessment CautionWeakNeutralGoodStrong Strong
Compliance › Strong

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 ScoreLow Risk
85/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
90/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
70/100
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 ScoreLow Risk
80/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
90/100
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.

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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: 60/100 Moderate
  • Negative operating earnings - debt service depends on external support.
  • No open charges - unencumbered balance sheet.
  • Moderate gearing (D/E 38%).
  • Working-capital cover adequate.

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

Compliance Score: 90/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • 2 auditor resignation(s) filed - latest: KDS & Co on 2021-06-08.
  • 1 active GST registration(s).
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
GAURAV KUMAR 01234567 Director 01/04/2018 6 yrs Approved
HARSH POKHARNA 01234567 Director 01/04/2018 6 yrs Approved
ADITYA PRASAD 01234567 Director 01/04/2018 6 yrs Approved
  • 3 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)
NameDesignationTotal remuneration
A K SharmaManaging Director2.4 cr
R MehtaWhole-time Director1.6 cr
S IyerCFO95.0 L

Remuneration is disclosed in the latest annual return. Unlock full report

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
Oktech Inc.
Subsidiaries
-
Group entities
-
Capital events
10 allotment(s) · 3 transfer(s)

Promoters hold the largest single block of equity - exact percentages are part of the full report.

Group entityRelationship% held
Oktech Inc. Holding Company 74.00%

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 80 · Distress 90
Growth signals & trust indicators
Revenue acceleration: +1.42 over 4 year(s).
Latest year revenue grew 2.1x.
Operating for 9 years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
2 auditor resignation(s) on record - review the stated reasons.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence88/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • No distress signals on file.
  • Financial filings available for verification.
Banker assessment70/100
Favourable lending indicators
Indicative lending comfort for banks, NBFCs and trade credit.
  • Debt capacity assessed from filed statements.
  • No existing security registered - first-charge position available.
  • Compliance record supports lending.
Investor view78/100
Positive growth 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 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
30 Aug 2022
Securities allotted
276 Equity Shares - 39.56 cr raised
29 Jul 2021
Securities allotted
545 Equity Shares - 88.71 cr raised
04 Jun 2020
Securities allotted
300 Equity Shares - 79.86 cr raised
12 Mar 2020
Securities allotted
300 Equity Shares - 79.86 cr raised
17 Jan 2020
Securities allotted
267 Equity Shares - 71.08 cr raised
17 Oct 2019
Securities allotted
375 Equity Shares - 69.95 cr raised
23 Aug 2019
Securities allotted
190 Equity Shares - 35.44 cr raised
31 Mar 2019
Share transfer (FY 2019)
1.00000000 shares to NA NA OKTECH INC
Share transfer (FY 2019)
749.00000000 shares to NA NA OKTECH INC
Share transfer (FY 2019)
1.00000000 shares to HARSH REETESH POKHARNA
08 Sep 2018
Securities allotted
749 Equity Shares - 7,490.00 raised
14 Feb 2018
Securities allotted
1 Equity Shares - 25,333.00 raised
Securities allotted
749 Preference Shares - 1.90 cr raised
10

Key Observations

Auto-generated from the data above
Revenue grew 24% over the last 4 financial year(s).
Debt-to-equity stands at 0.86 - manageable leverage.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
3 active director(s) / partner(s); board looks stable and experienced.
1 active GST registration(s) indicate ongoing business operations.
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 10 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Exponential U72900DL2009PTC195831 Delhi, Delhi, India
Adarsh Solutions U72200KA2000PTC028206 Bangalore, Karnataka, India
Iio Technologies Private Limited U72900KA2016PTC098302 Bangalore, Karnataka, India
Creative Shadows Promotion Private Limited U74900DL2011PTC228125 New Delhi, Delhi, India
Algoanalytics Private Limited U72900PN2016PTC166890 Pune, Maharashtra, India
Onzestt Services India Private Limited U43299KA2019PTC122536 Bangalore, Karnataka, India
Glovision Techno Services Private Limited U72200TG2013PTC088399 Hyderabad, Telangana, India
Mobilise Communications Private Limited U64200KA2015PTC080627 Bangalore, Karnataka, India
12

Who Uses This Report

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

Verify Okcredit before audits and certifications: compliance score 90/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Okcredit: 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: Favourable lending indicators. Credit risk score 60/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Positive growth indicators. Growth score 80/100, margin trends, ownership structure and peer set for Okcredit - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 85/100, distress signals and MSME payment-delay disclosures - know whether Okcredit 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 Okcredit - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Okcredit an active company?

Okcredit has MCA status “Active” with a compliance score of 90/100 (Low Risk).

Is Okcredit financially healthy?

Okcredit has a Financial Health Score of 70/100 (Moderate) based on its filed financial statements.

Should I do business with Okcredit?

Its overall Trust Score is 85/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Okcredit?

The ultimate holding entity is Oktech Inc.. 3 active director(s) are on record.

Does Okcredit have loans or charges against its assets?

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

Is Okcredit up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 90/100 (Low Risk).

Is it risky to lend to Okcredit?

Its Credit Risk Score is 60/100 (Moderate). Banker verdict: Favourable lending indicators.

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.