Richplus Nidhi Limited - Due diligence report

A 360° intelligence report on Richplus Nidhi Limited: trust score, financial health, credit view, compliance, directors, growth and distress…

2016-10-20 Kannur, Kerala Active Unlisted Active Compliant
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Richplus Nidhi Limited — 360° Intelligence Report

Generated from MCA filings & public records
82/100
Trust Score
Low Risk

Richplus Nidhi Limited is assessed as Low Risk with a Trust Score of 82/100. Richplus Nidhi Limited is an active nidhi limited company incorporated in 2016, 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 low compliance risk and moderate financial risk profile.

Report generated on 14 Aug 2026 from the latest processed filings. Richplus Nidhi Limited snapshot & full profile →

Financial Health › Good
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
82/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
93/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
60/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
60/100
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 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.

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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: 60/100 Moderate
  • Negative operating earnings - debt service depends on external support.
  • No open charges - unencumbered balance sheet.
  • Moderate gearing (D/E 38%).
  • Working-capital cover adequate.

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

Compliance Score: 93/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • Litigation present in 1 court forum(s).
Legal cases on record (1)
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
ALBIN TOM 01234567 Director 01/04/2018 6 yrs Approved
JOSEPH MAILAYKKAL MINI 01234567 Director 01/04/2018 6 yrs Approved
ABRAHAM RAJESH 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.
06

Ownership & Group Intelligence

As per FY 2017 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
13 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 N/A · Distress 90
Growth signals & trust indicators
Operating for 9 years.
Distress signals & risk flags
1 court case(s) on record - see the legal section for details.
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 view42/100
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
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
24 Feb 2023
Director ceased
ALBIN TOM
18 Mar 2022
Director appointed
ALBIN TOM (Director)
Director ceased
CHENGAZHASSERY THOMAS JUSTIN
01 Jun 2018
Securities allotted
170 Equity Shares - 1,700.00 raised
30 Mar 2018
Securities allotted
99 Equity Shares - 990.00 raised
05 Mar 2018
Securities allotted
99 Equity Shares - 990.00 raised
01 Feb 2018
Securities allotted
80 Equity Shares - 800.00 raised
01 Jan 2018
Securities allotted
70 Equity Shares - 700.00 raised
11 Dec 2017
Securities allotted
138 Equity Shares - 1,380.00 raised
08 Nov 2017
Securities allotted
69 Equity Shares - 690.00 raised
11 Oct 2017
Securities allotted
67 Equity Shares - 670.00 raised
18 Sep 2017
Securities allotted
62 Equity Shares - 620.00 raised
04 Aug 2017
Securities allotted
98 Equity Shares - 980.00 raised
10

Key Observations

Auto-generated from the data above
Compliance record is strong - status, filings and flags are clean.
3 active director(s) / partner(s); board looks stable and experienced.
Promoters hold a dominant controlling stake as per the FY 2017 annual return.
Capital has been raised through 13 security allotment(s) - amounts available in the full report.
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 Richplus Nidhi Limited before audits and certifications: compliance score 93/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Richplus Nidhi 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 60/100, 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 Richplus Nidhi Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 82/100, distress signals and MSME payment-delay disclosures - know whether Richplus Nidhi Limited pays its suppliers before you extend credit terms.

Lawyers & Compliance Teams

Litigation footprint (1 case(s) on record), regulatory flags, charge documents trail and director networks for Richplus Nidhi Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Richplus Nidhi Limited an active company?

Richplus Nidhi Limited has MCA status “Active” with a compliance score of 93/100 (Low Risk).

Is Richplus Nidhi Limited financially healthy?

Richplus Nidhi Limited has a Financial Health Score of 60/100 (Moderate) based on its filed financial statements.

Should I do business with Richplus Nidhi Limited?

Its overall Trust Score is 82/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Richplus Nidhi Limited?

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

Does Richplus Nidhi Limited have loans or charges against its assets?

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

Is Richplus Nidhi Limited up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 93/100 (Low Risk).

Is it risky to lend to Richplus Nidhi Limited?

Its Credit Risk Score is 60/100 (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.