Promoter holding
64.27%
RC
Reliance Capital Ltd - Due diligence report
A 360° intelligence report on Reliance Capital: trust score, financial health, credit view, compliance, directors, growth and distress signa…
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Reliance Capital — 360° Intelligence Report
Generated from MCA filings & public records31/100
Trust Score
Caution Indicated
Reliance Capital is assessed as Caution Indicated with a Trust Score of 31/100. Reliance Capital is an active public limited indian non-government company incorporated in 1986, operating in the Financial Services 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 high compliance risk and high financial risk profile.
Report generated on 06 Aug 2026 from the latest processed filings. Reliance Capital Ltd snapshot & full profile →
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 & explainableTrust ScoreCaution Indicated
31/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
15/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
5/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
45/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreCaution Indicated
40/100
Board strength, DIN status, churn and network.
Growth ScoreCaution Indicated
40/100
Revenue, profit, asset and hiring momentum.
Distress ScoreCaution Indicated
30/100
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 accessScores 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: 45/100 Caution Indicated
- Negative operating earnings - debt service depends on external support.
- Externally credit-rated (D).
Charges position: 1 open (4,300.00 cr) · 169 satisfied (65,693.37 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Others | 32 | 48.0 cr |
| Idbi Trusteeship Services Limited | 7 | 48.0 cr |
| Syndicate Bank | 11 | 48.0 cr |
| Il & Fs Trust Company Limited | 15 | 48.0 cr |
| Andhra Bank | 10 | 48.0 cr |
| Indian Overseas Bank | 5 | 48.0 cr |
Compliance Score: 15/100 Caution Indicated
- Company status is Active as per MCA.
- Last balance sheet is for Mar 2021 - filings overdue.
- Flagged by authority: BSE, SEBI, RBI.
- Litigation present in 5 court forum(s).
- 1 auditor resignation(s) filed - latest: Price Waterhouse & Co Chartered Accountants LLP on 2019-06-11.
- 11 active GST registration(s).
Legal cases on record (5)
05
Director Intelligence
Stability score: 40/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| BHUMIKA BATRA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SHARADCHANDRA ZAREGAONKAR | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| AMAR CHINTOPANTH | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| ATUL KUMAR TANDON | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| AMAN GUDRAL | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| YOGESH VIJAY DESHPANDE | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| ARUN TIWARI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| MOSES HARDING JOHN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 8 directors on the board.
- MOSES HARDING JOHN has DIN status "Deactivated due to non-filing of DIR-3 KYC".
- 1 director exit(s) in the last 3 years.
Director & KMP remuneration (FY 2021)
| Name | Designation | Total remuneration |
|---|---|---|
| A K Sharma | Managing Director | 2.4 cr |
| R Mehta | Whole-time Director | 1.6 cr |
| S Iyer | CFO | 95.0 L |
Remuneration is disclosed in the latest annual return. Unlock full report
06
Ownership & Group Intelligence
As per FY 2021 annual returnPublic / other holding
35.73%
Equity shares
12,45,67,890
Equity paid-up
124.5 cr
Promoters on record
4
Ultimate holding entity
-
Subsidiaries
6
Group entities
10
Capital events
269 allotment(s) · 0 transfer(s)
Promoters hold a minority stake - exact percentages are part of the full report.
| Group entity | Relationship | % held |
|---|---|---|
| Gullfoss Enterprises Private Limited | Subsidiary Company | 74.00% |
| Reliance General Insurance Company Limited | Subsidiary Company | 74.00% |
| Reliance Commercial Finance Limited | Subsidiary Company | 74.00% |
| Reliance Corporate Advisory Services Limited | Subsidiary Company | 74.00% |
| Reliance Commodities Limited | Subsidiary Company | 74.00% |
| Reliance Exchangenext Limited | Subsidiary Company | 74.00% |
| Reliance Financial Limited | Subsidiary Company | 74.00% |
| Reliance Health Insurance Limited | Subsidiary Company | 74.00% |
| Reliance Securities Limited | Subsidiary Company | 74.00% |
| Reliance Money Precious Metals Private Limited | Subsidiary Company | 74.00% |
Key managerial personnel: AMAN GUDRAL (CFO)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 40 · Distress 30
Growth signals & trust indicators
Operating for 40+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
Losses deepening year-on-year.
Negative net worth.
Statutory filings appear overdue.
Compliance score is weak (15/100).
1 open charge(s) registered - assets are encumbered.
1 auditor resignation(s) on record - review the stated reasons.
5 court case(s) on record - see the legal section for details.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence24/100
Caution indicated
Suitability as a supplier / customer counterparty.
- Check the compliance flags before onboarding.
- 4 distress signal(s) - see Risk Center.
- Financial filings available for verification.
Banker assessment26/100
Enhanced diligence advised
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 1 open charge(s) of 4,300.00 cr already registered.
- Compliance gaps should be priced into terms.
Investor view26/100
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 15 events28 Sep 2025
Director ceased
MOSES HARDING JOHN
11 Jun 2025
Charge created
Others - 4,300.00 cr
19 Mar 2025
Director appointed
BHUMIKA BATRA (Director)
Director appointed
SHARADCHANDRA ZAREGAONKAR (Director)
Director appointed
AMAR CHINTOPANTH (Director)
Director appointed
ARUN TIWARI (Director)
Director appointed
MOSES HARDING JOHN (Director)
Charge satisfied
Idbi Trusteeship Services Limited
Charge satisfied
Others
Charge satisfied
Il & Fs Trust Company Limited
08 Jan 2025
Charge satisfied
Punjab National Bank
31 Dec 2024
Charge satisfied
Others
03 Dec 2024
Charge satisfied
Karnataka Bank Ltd.
12 Apr 2022
Director appointed
AMAN GUDRAL (CFO)
11 Apr 2022
Director ceased
THOTA VIJESH BABU
10
Key Observations
Auto-generated from the data aboveRevenue declined 38% over the last 4 financial year(s).
Net profit margin moved from 1.42 to 2.1x.
8 active director(s) / partner(s); review board churn before relying on management continuity.
11 active GST registration(s) indicate ongoing business operations.
Operates a group structure with 6 subsidiary(ies) - assess on a consolidated basis.
Carries an external credit rating of D from Care.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a minority stake as per the FY 2021 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 269 security allotment(s) - amounts available in the full report.
4 overseas direct investment(s) (ODI) on record - international footprint.
| Company | CIN | Location |
|---|---|---|
| Clix | U65924DL1993PTC055761 | New Delhi, Delhi, India |
| Finex Forex & Equity Services Private Limited | U65990KL2011PTC028581 | Ernakulam, Kerala, India |
| Arvutam Enterprises Private Limited | U74999MH2018PTC304297 | Mumbai, Maharashtra, India |
| Systemtrac Traders Private Limited | U74999MH2016PTC283202 | Mumbai, Maharashtra, India |
| Hp | U65910KA2001PTC080236 | Bangalore North, Karnataka, India |
| Haryana State Industrial & Infrastructure Development Corporation Limited | U29199HR1967SGC034545 | Haryana, Haryana, India |
| Ireda | L65100DL1987GOI027265 | New Delhi, Delhi, India |
| Sefl | U70101WB2006PLC109898 | Saltlake, West Bengal, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Reliance Capital before audits and certifications: compliance score 15/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Reliance Capital: 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 45/100, 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 Reliance Capital - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Caution indicated. Trust score 31/100, distress signals and MSME payment-delay disclosures - know whether Reliance Capital pays its suppliers before you extend credit terms.
Lawyers & Compliance Teams
Litigation footprint (5 case(s) on record), regulatory flags, charge documents trail and director networks for Reliance Capital - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Reliance Capital an active company?
Reliance Capital has MCA status “Active” with a compliance score of 15/100 (Caution Indicated).
Is Reliance Capital financially healthy?
Reliance Capital has a Financial Health Score of 5/100 (Caution Indicated) based on its filed financial statements.
Should I do business with Reliance Capital?
Its overall Trust Score is 31/100 (Caution Indicated). Vendor verdict: Caution indicated. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Reliance Capital?
Promoters hold a minority stake - exact percentages are in the full report. 8 active director(s) are on record.
Does Reliance Capital have loans or charges against its assets?
1 open charge(s) are registered against its assets, and 169 earlier charge(s) stand satisfied.
Is Reliance Capital up to date with its ROC filings?
Last balance sheet is for Mar 2021 - filings overdue. Overall compliance score: 15/100 (Caution Indicated).
Is it risky to lend to Reliance Capital?
Its Credit Risk Score is 45/100 (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.
