Rain Drops Chits Private Limited - Due diligence report

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

2014-12-17 S Ukkadam, Tamil Nadu Active Unlisted Active Compliant
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Rain Drops Chits Private Limited — 360° Intelligence Report

Generated from MCA filings & public records
90/100
Trust Score
Low Risk

Rain Drops Chits Private Limited is assessed as Low Risk with a Trust Score of 90/100. Rain Drops 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 low compliance risk and low financial risk profile.

Report generated on 15 Aug 2026 from the latest processed filings. Rain Drops Chits 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
90/100
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
75/100
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 ScoreNo Data
N/A
Needs at least two filed years to measure growth.
Distress ScoreLow Risk
90/100
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.

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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: 55/100 Moderate
  • Liabilities ≈ 38% EBITDA - stretched.
  • No open charges - unencumbered balance sheet.
  • Profitable - internal accruals available.

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

Compliance Score: 100/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • 1 active GST registration(s).
05

Director Intelligence

Stability score: 90/100
NameDIN / PANDesignationAppointedTenureDIN status
BOBY VARGHESE 01234567 Director 01/04/2018 6 yrs Approved
DOMINIC MULAVARIKAL PETER 01234567 Director 01/04/2018 6 yrs Approved
MATHEW JOSE 01234567 Director 01/04/2018 6 yrs Approved
SUNIL KOSHY ZACHARIAH 01234567 Director 01/04/2018 6 yrs Approved
PRATHEESH IYPE 01234567 Director 01/04/2018 6 yrs Approved
PARACKAL SEBASTIAN JOSE 01234567 Director 01/04/2018 6 yrs Approved
MANI MADAPARAMBIL VARGHESE 01234567 Director 01/04/2018 6 yrs Approved
  • 7 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 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
1 allotment(s) · 0 transfer(s)

Promoters hold a minority stake - exact percentages are part of the full report.

Key managerial personnel: MANI MADAPARAMBIL VARGHESE (Managing Director)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth N/A · Distress 90
Growth signals & trust indicators
Operating for 11+ years.
Active GST registration(s).
Distress signals & risk flags
No critical warning flags detected in the available data.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence94/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • No distress signals on file.
  • Financial filings available for verification.
Banker assessment72/100
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 view49/100
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 15 events
29 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
08 Sep 2023
Director ceased
PRATHEESH IYPE
10 Dec 2022
Director appointed
PRATHEESH IYPE (Director)
Director ceased
LONAPPAN DEVASSY CHITTILAPPILLY
15 Mar 2022
Director ceased
ANTONY GEORGE PATTAMANA
Director ceased
CHAKKIATH KOCHU VAREED KOCHUVARGHESE
Director ceased
MANI MADAPARAMBIL VARGHESE
18 Jun 2015
Director appointed
BOBY VARGHESE (Director)
Director appointed
DOMINIC MULAVARIKAL PETER (Director)
Director appointed
SUNIL KOSHY ZACHARIAH (Director)
Director appointed
PARACKAL SEBASTIAN JOSE (Director)
Director appointed
MANI MADAPARAMBIL VARGHESE (Managing Director)
23 Feb 2015
Securities allotted
46.00 Equity Shares - 23.00 Lakh raised
17 Dec 2014
Incorporated
Registered with Roc Coimbatore
10

Key Observations

Auto-generated from the data above
Compliance record is strong - status, filings and flags are clean.
7 active director(s) / partner(s); board looks stable and experienced.
1 active GST registration(s) indicate ongoing business operations.
Promoters hold a minority stake as per the FY 2017 annual return.
Capital has been raised through 1 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Prechha Commercials Pvt. Ltd. U51909WB1993PTC058850 Kolkata, West Bengal, India
Gurudeva Samgamam Chits Private Limited U65992KL2000PTC013681 Thissur, Kerala, India
Sri Peramaiya Nidhi Limited U65910TN2013PLC091792 Mannargudi, Tamil Nadu, India
Mysore Udyog Private Limited U28910KA1977PTC003121 Bangalore, Karnataka, India
Adharshila Marketing Private Limited U51909DL2003PTC122864 New Delhi, Delhi, India
Trustline Gold Private Limited U51900DL2011PTC225889 Delhi, Delhi, India
Stanworth Chits Private Limited U65992KL1999PTC013356 Thrissur, Kerala, India
Green Channel Financial Consultancy Services Limited U65923MH1995PLC093290 Mumbai, Maharashtra, India
12

Who Uses This Report

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

Verify Rain Drops Chits Private 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 Rain Drops 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: Favourable lending indicators. 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 n/a, margin trends, ownership structure and peer set for Rain Drops Chits Private Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 90/100, distress signals and MSME payment-delay disclosures - know whether Rain Drops 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 Rain Drops Chits Private Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Rain Drops Chits Private Limited an active company?

Rain Drops Chits Private Limited has MCA status “Active” with a compliance score of 100/100 (Low Risk).

Is Rain Drops Chits Private Limited financially healthy?

Rain Drops Chits Private Limited has a Financial Health Score of 75/100 (Low Risk) based on its filed financial statements.

Should I do business with Rain Drops Chits Private Limited?

Its overall Trust Score is 90/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Rain Drops Chits Private Limited?

Promoters hold a minority stake - exact percentages are in the full report. 7 active director(s) are on record.

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

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

Is Rain Drops Chits Private 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 Rain Drops Chits Private Limited?

Its Credit Risk Score is 55/100 (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.