Ref Masters Private Limited - Due diligence report

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

2023-08-07 Delhi, Delhi Active Unlisted
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RM Ref Masters Private Limited
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Ref Masters Private Limited — 360° Intelligence Report

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

Ref Masters Private Limited is assessed as Moderate with a Trust Score of 69/100. Ref Masters Private Limited is an active private limited indian non-government company incorporated in 2023, operating in the Food And Beverages 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 moderate financial risk profile.

Report generated on 31 Jul 2026 from the latest processed filings. Ref Masters Private Limited snapshot & full profile →

Financial Health › Neutral
Overall Assessment CautionWeakNeutralGoodStrong Good
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 ScoreModerate
69/100
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
50/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
35/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreModerate
50/100
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.

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: 35/100 Caution Indicated
  • Negative operating earnings - debt service depends on external support.
  • Open charges exceed net worth - secured lenders rank ahead.
  • Working-capital cover adequate.

Charges position: 6 open (5.56 cr) · 0 satisfied (-).

Banking relationships (from registered charges)
LenderChargesAmount
Hdfc Bank Limited2 48.0 cr
Axis Bank Limited4 48.0 cr
Compliance Score: 90/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • 1 auditor resignation(s) filed - latest: RAHUL ISRANI & CO. on 2024-02-10.
  • 2 active GST registration(s).
05

Director Intelligence

Stability score: 50/100
NameDIN / PANDesignationAppointedTenureDIN status
AMIT SETHI 01234567 Director 01/04/2018 6 yrs Approved
Narendra Kumar Sethi 01234567 Director 01/04/2018 6 yrs Approved
  • 2 directors on the board.
  • AMIT SETHI has DIN status "Deactivated due to non-filing of DIR-3 KYC".
  • Stable board - no exits in 3 years.
06

Ownership & Group Intelligence

As per FY 2024 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.

Key managerial personnel: AMIT SETHI (Managing Director)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth N/A · Distress 90
Growth signals & trust indicators
Very young company (under 3 years).
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
6 open charge(s) registered - assets are encumbered.
1 auditor resignation(s) on record - review the stated reasons.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence84/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • No distress signals on file.
  • Financial filings available for verification.
Banker assessment53/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
  • Debt capacity assessed from filed statements.
  • 6 open charge(s) of 5.56 cr already registered.
  • Compliance record supports lending.
Investor view35/100
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 churn warrants questions.
09

MCA Filings & Events Timeline

Latest 11 events
29 Oct 2025
Charge created
Hdfc Bank Limited - 44.54 Lakh
30 Sep 2025
Last AGM held
Annual general meeting
04 Aug 2025
Charge created
Axis Bank Limited - 77.67 Lakh
19 Jun 2025
Charge created
Axis Bank Limited - 78.36 Lakh
04 Jun 2025
Charge created
Axis Bank Limited - 51.88 Lakh
04 Apr 2025
Charge created
Axis Bank Limited - 49.24 Lakh
31 Mar 2025
Latest balance sheet
Filed with ROC
25 Mar 2025
Charge created
Hdfc Bank Limited - 2.55 cr
07 Aug 2023
Incorporated
Registered with Roc Delhi
Director appointed
AMIT SETHI (Managing Director)
Director appointed
Narendra Kumar Sethi (Director)
10

Key Observations

Auto-generated from the data above
Compliance record is strong - status, filings and flags are clean.
2 active director(s) / partner(s); review board churn before relying on management continuity.
2 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 2024 annual return.
11

Peers & Related Companies

Full peer comparison →
Peer companies will appear here as our matching engine processes this industry.
12

Who Uses This Report

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

Verify Ref Masters Private Limited 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 Ref Masters 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: Mixed indicators - deeper appraisal suggested. Credit risk score 35/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Limited indicators at present. Growth score n/a, margin trends, ownership structure and peer set for Ref Masters Private Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 69/100, distress signals and MSME payment-delay disclosures - know whether Ref Masters 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 Ref Masters Private Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Ref Masters Private Limited an active company?

Ref Masters Private Limited has MCA status “Active” with a compliance score of 90/100 (Low Risk).

Is Ref Masters Private Limited financially healthy?

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

Should I do business with Ref Masters Private Limited?

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

Who controls Ref Masters Private Limited?

Promoters hold a dominant controlling stake - exact percentages are in the full report. 2 active director(s) are on record.

Does Ref Masters Private Limited have loans or charges against its assets?

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

Is Ref Masters Private Limited 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 Ref Masters Private Limited?

Its Credit Risk Score is 35/100 (Caution Indicated). 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.