Reliance Money Express Limited - Due diligence report

A 360° intelligence report on Reliance Capital: trust score, financial health, credit view, compliance, directors, growth and distress signa…

2002-11-28 Mumbai, Maharashtra Amalgamated Unlisted
Share
Connect MCP
RM Reliance Money Express Limited
Full Due-Diligence Report + Documents
  • Unlock all financial figures & 5-year trends
  • Full trust, health & credit-risk scores
  • Director details, charges & MCA documents
₹700 ₹449 Save ₹251 excl. GST
Or from ₹279/report with credits View credit packages
Company Credits – Starter
  • One credit unlocks this full due-diligence report
  • Use across any company’s report, anytime
  • Credits valid for 12 months
× ₹700 ₹279 = ₹2,790 60% off
Choose your own credit amount View credit packages

Reliance Capital — 360° Intelligence Report

Generated from MCA filings & public records
60/100
Trust Score
Moderate

Reliance Capital is assessed as Moderate with a Trust Score of 60/100. Reliance Capital is a public limited indian non-government company incorporated in 2002, 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 high compliance risk and low financial risk profile.

Report generated on 08 Aug 2026 from the latest processed filings. Reliance Money Express Limited snapshot & full profile →

Financial Health › Strong
Overall Assessment CautionWeakNeutralGoodStrong Good
Compliance › Caution

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
60/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
10/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
80/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreLow Risk
90/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreNo Data
N/A
Needs at least two filed years to measure growth.
Distress ScoreModerate
55/100
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: 90/100 Low Risk
  • Liabilities ≈ 38% EBITDA - serviceable.
  • No open charges - unencumbered balance sheet.
  • Working-capital cover adequate.
  • Profitable - internal accruals available.

Charges position: 0 open (-) · 8 satisfied (62.09 cr).

Banking relationships (from registered charges)
LenderChargesAmount
Axis Bank Limited1 48.0 cr
Sbi Homes Finance Ltd.3 48.0 cr
Housing Development Finance Corpn. Ltd.1 48.0 cr
Housing Development Finance Corporation Ltd.1 48.0 cr
The Shamrao Vithal Co-Op. Bank Ltd.2 48.0 cr
Compliance Score: 10/100 Caution Indicated
  • Company status is "Amalgamated" - not Active.
  • Last balance sheet is for Mar 2016 - filings overdue.
  • Litigation present in 3 court forum(s).
Legal cases on record (3)
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
SUSHILKUMAR AGRAWAL 01234567 Director 01/04/2018 6 yrs Approved
GANESH JANARDHAN PAI 01234567 Director 01/04/2018 6 yrs Approved
MIHIR KANAK SUNDHANI 01234567 Director 01/04/2018 6 yrs Approved
SATYENDRA MOHANLAL SARUPRIA 01234567 Director 01/04/2018 6 yrs Approved
VIPUL BRIJ KISHORE GOYAL 01234567 Director 01/04/2018 6 yrs Approved
  • 5 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 2016 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
Reliance Capital Ltd
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.

Group entityRelationship% held
Reliance Capital Ltd Holding Company 74.00%

Key managerial personnel: VIPUL BRIJ KISHORE GOYAL (CFO)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth N/A · Distress 55
Growth signals & trust indicators
Operating for 23+ years.
Active EPFO - real payroll on record.
Distress signals & risk flags
Statutory filings appear overdue.
Adverse company status: Amalgamated.
Compliance score is weak (10/100).
3 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence38/100
Caution indicated
Suitability as a supplier / customer counterparty.
  • Check the compliance flags before onboarding.
  • 2 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment67/100
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 gaps should be priced into terms.
Investor view43/100
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 15 events
29 Sep 2016
Last AGM held
Annual general meeting
31 Mar 2016
Latest balance sheet
Filed with ROC
28 Sep 2015
Director ceased
SUSHILKUMAR AGRAWAL
Director ceased
MIHIR KANAK SUNDHANI
Director ceased
SATYENDRA MOHANLAL SARUPRIA
01 Sep 2015
Director appointed
VIPUL BRIJ KISHORE GOYAL (CFO)
31 Aug 2015
Director ceased
RAKESH KUMAR
25 Mar 2015
Director appointed
SUSHILKUMAR AGRAWAL (Director)
Director appointed
SATYENDRA MOHANLAL SARUPRIA (Director)
Director ceased
LAV RAMJI CHATURVEDI
18 Mar 2015
Director appointed
MIHIR KANAK SUNDHANI (Director)
01 Aug 2014
Director appointed
GANESH JANARDHAN PAI (Manager)
30 Jun 2014
Director ceased
MANISHKUMAR ANJANIKUMAR DHANUKA
25 Jan 2013
Director ceased
ASHISH DHIRAJLAL TURAKHIA
Director ceased
SURESH THIRUVANANTHAPURAM VISWANATHAN
10

Key Observations

Auto-generated from the data above
5 active director(s) / partner(s); board looks stable and experienced.
All 8 registered charge(s) stand satisfied - past borrowings repaid.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a dominant controlling stake as per the FY 2016 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 1 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Aroni Commercials Limited L74999MH1985PLC035047 Mumbai, Maharashtra, India
Techno Broking & Financial Services Private Limited U67190MH2005PTC157043 Mumabi, Maharashtra, India
M M Investment Private Limited U65921CT2008PTC020533 Raipur, Chattisgarh, India
Rhc Finance Private Limited U67120DL2007PTC166294 New Delhi, Delhi, India
Paranjape Properties And Investments Private Limited U70101MH1990PTC059178 Mumbai, Maharashtra, India
Shriram Chits (Maharashtra) Limited U65191MH1999PLC122247 Mumbai, Maharashtra, India
B K Dyeing And Printing Mills Private Limited U17200MH1980PTC022324 Mumbai, Maharashtra, India
Valdel Xtent Outsourcing Solutions U72200KA2000PTC028118 Bangalore, Karnataka, India
12

Who Uses This Report

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

Verify Reliance Capital before audits and certifications: compliance score 10/100, 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: Mixed indicators - deeper appraisal suggested. Credit risk score 90/100, 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 Reliance Capital - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Caution indicated. Trust score 60/100, distress signals and MSME payment-delay disclosures - know whether Reliance Capital pays its suppliers before you extend credit terms.

Lawyers & Compliance Teams

Litigation footprint (3 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 “Amalgamated” with a compliance score of 10/100 (Caution Indicated).

Is Reliance Capital financially healthy?

Reliance Capital has a Financial Health Score of 80/100 (Low Risk) based on its filed financial statements.

Should I do business with Reliance Capital?

Its overall Trust Score is 60/100 (Moderate). Vendor verdict: Caution indicated. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Reliance Capital?

The ultimate holding entity is Reliance Capital Ltd. 5 active director(s) are on record.

Does Reliance Capital have loans or charges against its assets?

No open charges - all 8 registered charge(s) stand satisfied, indicating past borrowings were repaid.

Is Reliance Capital up to date with its ROC filings?

Last balance sheet is for Mar 2016 - filings overdue. Overall compliance score: 10/100 (Caution Indicated).

Is it risky to lend to Reliance Capital?

Its Credit Risk Score is 90/100 (Low Risk). 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.