Rays Creations Private Limited - Due diligence report

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

2005-08-26 Mumbai, Maharashtra Active Unlisted Active Compliant
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RC Rays Creations Private Limited
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Rays Creations Private Limited — 360° Intelligence Report

Generated from MCA filings & public records
76/100
Trust Score
Low Risk

Rays Creations Private Limited is assessed as Low Risk with a Trust Score of 76/100. Rays Creations Private Limited is an active private limited indian non-government company incorporated in 2005, operating in the Fashion and Textile sector. Reported revenue has declined 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 high financial risk profile.

Report generated on 15 Jul 2026 from the latest processed filings. Rays Creations Private Limited snapshot & full profile →

Financial Health › Caution
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
76/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
100/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
25/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
20/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreCaution Indicated
40/100
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.

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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: 20/100 Caution Indicated
  • Negative operating earnings - debt service depends on external support.
  • Open charges exceed net worth - secured lenders rank ahead.
  • Elevated gearing (D/E 38%).

Charges position: 1 open (50.00 Lakh) · 0 satisfied (-).

Banking relationships (from registered charges)
LenderChargesAmount
Dena Bank1 48.0 cr
Compliance Score: 100/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
SANJAY KUMAR SINGH 01234567 Director 01/04/2018 6 yrs Approved
SURESH RAJAN NAIR 01234567 Director 01/04/2018 6 yrs Approved
SHAJI KRISHNAN NAIR 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 2016)
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 2018 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.

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 40 · Distress 75
Growth signals & trust indicators
Operating for 20+ years.
Active EPFO - real payroll on record.
Distress signals & risk flags
Revenue declined year-on-year.
1 open charge(s) registered - assets are encumbered.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence85/100
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 assessment42/100
Enhanced diligence advised
Indicative lending comfort for banks, NBFCs and trade credit.
  • Debt capacity assessed from filed statements.
  • 1 open charge(s) of 50.00 Lakh already registered.
  • Compliance record supports lending.
Investor view44/100
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 team looks stable.
09

MCA Filings & Events Timeline

Latest 9 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
26 Mar 2009
Charge created
Dena Bank - 50.00 Lakh
30 Nov 2007
Director ceased
KAUSHIK BHIKUBHAI SHAH
Director ceased
RITESH SUKANRAJ RANKA
26 Aug 2005
Incorporated
Registered with Roc Mumbai I
Director appointed
SANJAY KUMAR SINGH (Director)
Director appointed
SURESH RAJAN NAIR (Director)
Director appointed
SHAJI KRISHNAN NAIR (Director)
10

Key Observations

Auto-generated from the data above
Revenue declined 1.42 over the last 4 financial year(s).
Debt-to-equity stands at 2.1x - leverage worth monitoring.
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.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a dominant controlling stake as per the FY 2018 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Kfs Fashions Private Limited U18204MH2012PTC227848 Mumbai, Maharashtra, India
Rose Vincom Private Limited U51909WB2007PTC120723 Kolkata, West Bengal, India
Ajr Apparels Private Limited U18104HR2019PTC082537 Rewari, Haryana, India
Artless Designs Private Limited U18202HR2019PTC082206 Gurgaon, Haryana, India
Hit Export Private Limited U74899DL1991PTC042931 New Delhi, Delhi, India
Mereena Creations Private Limited U18101KA2004PTC034502 Bangalore, Karnataka, India
Grafitti Designers Private Limited U18109DL2011PTC217858 New Delhi, Delhi, India
Loveday Enterprises Private Limited U51310DL2019PTC349929 New Delhi, Delhi, India
12

Who Uses This Report

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

Verify Rays Creations 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 Rays Creations 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: Enhanced diligence advised. Credit risk score 20/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Limited indicators at present. Growth score 40/100, margin trends, ownership structure and peer set for Rays Creations Private Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 76/100, distress signals and MSME payment-delay disclosures - know whether Rays Creations 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 Rays Creations Private Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Rays Creations Private Limited an active company?

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

Is Rays Creations Private Limited financially healthy?

Rays Creations Private Limited has a Financial Health Score of 25/100 (Caution Indicated) based on its filed financial statements.

Should I do business with Rays Creations Private Limited?

Its overall Trust Score is 76/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Rays Creations Private Limited?

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

Does Rays Creations Private Limited have loans or charges against its assets?

1 open charge(s) are registered against its assets.

Is Rays Creations 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 Rays Creations Private Limited?

Its Credit Risk Score is 20/100 (Caution Indicated). Banker verdict: Enhanced diligence advised.

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.