Rd Credit Care & Livelihood Programmes - Due diligence report

A 360° intelligence report on Rd Credit Care & Livelihood Programmes: trust score, financial health, credit view, compliance, directors, gro…

2015-09-23 Kashipur, Uttarakhand Active Unlisted Active Compliant
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Rd Credit Care & Livelihood Programmes — 360° Intelligence Report

Generated from MCA filings & public records
89/100
Trust Score
Low Risk

Rd Credit Care & Livelihood Programmes is assessed as Low Risk with a Trust Score of 89/100. Rd Credit Care & Livelihood Programmes is an active private not for profit company incorporated in 2015, operating in the Financial Services sector. Reported revenue has declined 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 29 Sep 2026 from the latest processed filings. Rd Credit Care & Livelihood Programmes 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
89/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
88/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
80/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
50/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
65/100
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.

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: 50/100 Moderate
  • Liabilities ≈ 38% EBITDA - stretched.
  • No open charges - unencumbered balance sheet.
  • Elevated gearing (D/E 1.42).
  • Working-capital cover adequate.
  • Profitable - internal accruals available.

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

Compliance Score: 88/100 Low Risk
  • Company status is Active as per MCA.
  • Balance sheet slightly behind (Mar 2024).
  • 1 active GST registration(s).
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
RAM KUMAR 01234567 Director 01/04/2018 6 yrs Approved
Amar Bahadur 01234567 Director 01/04/2018 6 yrs Approved
DEVPRAKASH ARYA 01234567 Director 01/04/2018 6 yrs Approved
Vandana Gupta 01234567 Director 01/04/2018 6 yrs Approved
  • 4 directors on the board.
  • No disqualified or deactivated DINs.
  • Stable board - no exits in 3 years.
  • Average tenure above 5 years.
06

Ownership & Group Intelligence

As per FY 2021 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 dominant controlling stake - exact percentages are part of the full report.

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 65 · Distress 90
Growth signals & trust indicators
Latest year revenue grew 2.1x.
Profit expanded 24% year-on-year.
Net margin improved to 0.86.
Operating for 11+ years.
Active EPFO - real payroll on record.
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 diligence89/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • No distress signals on file.
  • Financial filings available for verification.
Banker assessment68/100
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 record supports lending.
Investor view76/100
Positive growth indicators
Growth quality and scalability through an investor lens.
  • 3 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 15 events
01 Jun 2025
Director appointed
Amar Bahadur (Director)
Director appointed
Vandana Gupta (Director)
30 Sep 2024
Last AGM held
Annual general meeting
31 Mar 2024
Latest balance sheet
Filed with ROC
14 Mar 2023
Director ceased
SHARMILA SAHAI
31 Jan 2020
Director ceased
ARUN KUMAR
31 Mar 2019
Director ceased
VANDANA
Director ceased
MANJU RASTOGI
20 Jul 2018
Director ceased
KAMAL KANT DANG
Director ceased
YASHWARDHAN SAHAI
01 Jun 2018
Director ceased
RANJEETA VERMA
22 Oct 2016
Securities allotted
90000 Equity Shares Without Differential Rights - 9.00 Lakh raised
23 Sep 2015
Incorporated
Registered with Roc Uttarakhand
Director appointed
RAM KUMAR (Director)
Director appointed
DEVPRAKASH ARYA (Director)
10

Key Observations

Auto-generated from the data above
Revenue declined 61% over the last 4 financial year(s).
Net profit margin moved from 38% to 1.42.
Debt-to-equity stands at 2.1x - leverage worth monitoring.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
4 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 a dominant controlling stake as per the FY 2021 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
Usha Stock Holdings Pvt. Ltd. U67120WB1995PTC073109 Kolkata, West Bengal, India
Ostwal Investment And Credit Limited U65990MH1995PLC087545 Thane, Maharashtra, India
Cherukavu Nidhi Limited U65990KL2019PLC057932 Cherukavu, Kerala, India
Swish Boss Nidhi Limited U65999MP2019PLC047602 Indore, Madhya Pradesh, India
Cauvery Tradecom Private Limited U17297UP1994PTC016226 Rampur, Uttar Pradesh, India
Ortium Financial Services U65990MH2018PTC312380 Mumbai, Maharashtra, India
Varhad Capital Private Limited U67190PN2011PTC143448 Pune, Maharashtra, India
Ons Consultants Private Limited U70200DL2007PTC168252 Delhi, Delhi, India
12

Who Uses This Report

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

Verify Rd Credit Care & Livelihood Programmes before audits and certifications: compliance score 88/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Rd Credit Care & Livelihood Programmes: 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 50/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Positive growth indicators. Growth score 65/100, margin trends, ownership structure and peer set for Rd Credit Care & Livelihood Programmes - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 89/100, distress signals and MSME payment-delay disclosures - know whether Rd Credit Care & Livelihood Programmes 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 Rd Credit Care & Livelihood Programmes - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Rd Credit Care & Livelihood Programmes an active company?

Rd Credit Care & Livelihood Programmes has MCA status “Active” with a compliance score of 88/100 (Low Risk).

Is Rd Credit Care & Livelihood Programmes financially healthy?

Rd Credit Care & Livelihood Programmes has a Financial Health Score of 80/100 (Low Risk) based on its filed financial statements.

Should I do business with Rd Credit Care & Livelihood Programmes?

Its overall Trust Score is 89/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Rd Credit Care & Livelihood Programmes?

Promoters hold a dominant controlling stake - exact percentages are in the full report. 4 active director(s) are on record.

Does Rd Credit Care & Livelihood Programmes have loans or charges against its assets?

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

Is Rd Credit Care & Livelihood Programmes up to date with its ROC filings?

Balance sheet slightly behind (Mar 2024). Overall compliance score: 88/100 (Low Risk).

Is it risky to lend to Rd Credit Care & Livelihood Programmes?

Its Credit Risk Score is 50/100 (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.