Promoter holding
64.27%
RS
Rnfi Services Limited - Due diligence report
A 360° intelligence report on Rnfi Services: trust score, financial health, credit view, compliance, directors, growth and distress signals …
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Rnfi Services — 360° Intelligence Report
Generated from MCA filings & public records73/100
Trust Score
Moderate
Rnfi Services is assessed as Moderate with a Trust Score of 73/100. Rnfi Services is an active public limited indian non-government company incorporated in 2015, operating in the Service sector. The company has shown revenue growth across its recent filed years. It was profitable in its latest filed year. Based on MCA filings and public records, it currently shows a moderate compliance risk and low financial risk profile.
Report generated on 08 Jul 2026 from the latest processed filings. Rnfi Services Limited 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 ScoreModerate
73/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
51/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
75/100
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
85/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
95/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
75/100
Early-warning signals - higher means fewer warnings.
03
Financial Intelligence Dashboard
Consolidated · 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: 90/100 Low Risk
- Liabilities ≈ 38% EBITDA - serviceable.
- Moderate gearing (D/E 1.42).
- Profitable - internal accruals available.
Charges position: 3 open (13.17 cr) · 4 satisfied (20.55 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Others | 6 | 48.0 cr |
| Tata Capital Housing Finance Limited | 1 | 48.0 cr |
Compliance Score: 51/100 Moderate
- Company status is Active as per MCA.
- Balance sheet slightly behind (Mar 2024).
- Flagged by authority: EPFO.
- Litigation present in 1 court forum(s).
- 1 active GST registration(s).
Legal cases on record (1)
05
Director Intelligence
Stability score: 85/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| NIMESH KHANDELWAL | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Mona Amit Kapoor | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Kirandeep Singh Anand | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| KRISHNA KUMAR RADHESHYAM DAGA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| RAHUL SRIVASTAVA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| AVTAR SINGH MONGA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| DEEPANKAR AGGARWAL | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| ASHOK KUMAR SINHA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SUNIL KULKARNI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| RANVEER KHYALIYA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Krishnakumar Daga | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 11 directors on the board.
- No disqualified or deactivated DINs.
- 2 director exit(s) in the last 3 years.
Director & KMP remuneration (FY 2017)
| 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 2025 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
6
Capital events
4 allotment(s) · 0 transfer(s)
Promoters hold a minority stake - exact percentages are part of the full report.
| Group entity | Relationship | % held |
|---|---|---|
| Ciphersquare Digital Private Limited | Subsidiary Company | 74.00% |
| Reliassure Insurance Brokers Private Limited | Subsidiary Company | 74.00% |
| Rnfi Fintech Private Limited | Subsidiary Company | 74.00% |
| Rnfi Money Private Limited | Subsidiary Company | 74.00% |
| Ossr Tech Solutions Private Limited | Subsidiary Company | 74.00% |
| Paysprint Private Limited | Subsidiary Company | 74.00% |
Key managerial personnel: NIMESH KHANDELWAL (CFO) · KRISHNA KUMAR RADHESHYAM DAGA (CEO) · RANVEER KHYALIYA (Managing Director)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 95 · Distress 75
Growth signals & trust indicators
Revenue acceleration: +2.1x over 4 year(s).
Profit expanded 24% year-on-year.
Asset base grew 0.86 - capacity expansion.
Net margin improved to 61%.
EPFO headcount growing - hiring signal.
Operating for 10+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
Compliance score is weak (51/100).
3 open charge(s) registered - assets are encumbered.
1 court case(s) on record - see the legal section for details.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence65/100
Review suggested
Suitability as a supplier / customer counterparty.
- Check the compliance flags before onboarding.
- 1 distress signal(s) - see Risk Center.
- Financial filings available for verification.
Banker assessment76/100
Favourable lending indicators
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 3 open charge(s) of 13.17 cr already registered.
- Compliance gaps should be priced into terms.
Investor view82/100
Positive growth indicators
Growth quality and scalability through an investor lens.
- 5 growth signal(s) detected.
- Margin and return trends computable from filings.
- Management team looks stable.
09
MCA Filings & Events Timeline
Latest 15 events21 Jun 2025
Charge created
Tata Capital Housing Finance Limited - 10.02 cr
13 Jun 2025
Charge satisfied
Others
11 Dec 2024
Director appointed
Krishnakumar Daga (Ceo)
07 Dec 2024
Director appointed
KRISHNA KUMAR RADHESHYAM DAGA (CEO)
30 Sep 2024
Last AGM held
Annual general meeting
31 Mar 2024
Latest balance sheet
Filed with ROC
29 Dec 2023
Director appointed
NIMESH KHANDELWAL (CFO)
28 Dec 2023
Director ceased
RANVEER KHYALIYA
01 Dec 2023
Director appointed
Mona Amit Kapoor (Director)
Director ceased
NITESH KUMAR SHARMA
23 Nov 2023
Securities allotted
18106392 Equity Shares Without Differential Rights
01 Nov 2023
Director appointed
Kirandeep Singh Anand (Director)
Director appointed
RAHUL SRIVASTAVA (Director)
Director appointed
AVTAR SINGH MONGA (Director)
Director appointed
DEEPANKAR AGGARWAL (Director)
10
Key Observations
Auto-generated from the data aboveRevenue grew 38% over the last 4 financial year(s).
Net profit margin moved from 1.42 to 2.1x.
Debt-to-equity stands at 24% - manageable leverage.
Net worth is positive.
11 active director(s) / partner(s); board looks stable and experienced.
1 active GST registration(s) indicate ongoing business operations.
Operates a group structure with 6 subsidiary(ies) - assess on a consolidated basis.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a minority stake as per the FY 2025 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 4 security allotment(s) - amounts available in the full report.
6 overseas direct investment(s) (ODI) on record - international footprint.
| Company | CIN | Location |
|---|---|---|
| Flipkart | U72300KA2012PTC147731 | Bangalore, Karnataka, India |
| Onmobile | L64202KA2000PLC027860 | Bangalore, Karnataka, India |
| Vwr Lab Products Private Limited | U33125KA2006PTC040254 | Bangalore North, Karnataka, India |
| Themathcompany | U74999KA2016PTC096027 | Bangalore North, Karnataka, India |
| Curefit | U74999TN2016PTC176669 | Chennai City Corporation, Tamil Nadu, India |
| E-Con Systems India Private Limited | U72200TN2006PTC061210 | Tambaram, Tamil Nadu, India |
| Quickheal | L72200MH1995PLC091408 | Pune, Maharashtra, India |
| H&M Services Private Limited | U72900KA2020FTC131417 | Bangalore, Karnataka, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Rnfi Services before audits and certifications: compliance score 51/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Rnfi Services: 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: Favourable lending indicators. Credit risk score 90/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Positive growth indicators. Growth score 95/100, margin trends, ownership structure and peer set for Rnfi Services - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Review suggested. Trust score 73/100, distress signals and MSME payment-delay disclosures - know whether Rnfi Services 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 Rnfi Services - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Rnfi Services an active company?
Rnfi Services has MCA status “Active” with a compliance score of 51/100 (Moderate).
Is Rnfi Services financially healthy?
Rnfi Services has a Financial Health Score of 75/100 (Low Risk) based on its filed financial statements.
Should I do business with Rnfi Services?
Its overall Trust Score is 73/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Rnfi Services?
Promoters hold a minority stake - exact percentages are in the full report. 11 active director(s) are on record.
Does Rnfi Services have loans or charges against its assets?
3 open charge(s) are registered against its assets, and 4 earlier charge(s) stand satisfied.
Is Rnfi Services up to date with its ROC filings?
Balance sheet slightly behind (Mar 2024). Overall compliance score: 51/100 (Moderate).
Is it risky to lend to Rnfi Services?
Its Credit Risk Score is 90/100 (Low Risk). Banker verdict: Favourable lending indicators.
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.
