Rudraaksh Microfinance Foundation - Due diligence report

A 360° intelligence report on Rudraaksh Microfinance Foundation: trust score, financial health, credit view, compliance, directors, growth a…

2015-09-02 Varanasi, Uttar Pradesh Active Unlisted Active Compliant
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RM Rudraaksh Microfinance Foundation
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Rudraaksh Microfinance Foundation — 360° Intelligence Report

Generated from MCA filings & public records
83/100
Trust Score
Low Risk

Rudraaksh Microfinance Foundation is assessed as Low Risk with a Trust Score of 83/100. Rudraaksh Microfinance Foundation is an active private not for profit company incorporated in 2015, 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 17 Jul 2026 from the latest processed filings. Rudraaksh Microfinance Foundation snapshot & full profile →

Financial Health › Neutral
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
83/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
100/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
50/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
50/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
90/100
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: 50/100 Moderate
  • Liabilities ≈ 38% EBITDA - stretched.
  • No open charges - unencumbered balance sheet.
  • Working-capital cover adequate.

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

Compliance Score: 100/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
05

Director Intelligence

Stability score: 90/100
NameDIN / PANDesignationAppointedTenureDIN status
SAMRIDDHI NIVEDITA 01234567 Director 01/04/2018 6 yrs Approved
PRASHANT PANDEY 01234567 Director 01/04/2018 6 yrs Approved
KUSUM PANDEY 01234567 Director 01/04/2018 6 yrs Approved
  • 3 directors on the board.
  • No disqualified or deactivated DINs.
  • 1 director exit(s) in the last 3 years.
  • Average tenure above 5 years.
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
-
Subsidiaries
-
Group entities
-
Capital events
-

Promoters hold a dominant controlling stake - exact percentages are part of the full report.

Key managerial personnel: KUSUM PANDEY (Managing Director)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth N/A · Distress 90
Growth signals & trust indicators
Operating for 10+ years.
Distress signals & risk flags
No critical warning flags detected in the available data.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence92/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • No distress signals on file.
  • Financial filings available for verification.
Banker assessment62/100
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 view38/100
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 7 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
22 Aug 2023
Director appointed
SAMRIDDHI NIVEDITA (Director)
Director ceased
RAKESH KUMAR SINHA
02 Sep 2015
Incorporated
Registered with Roc Uttar Pradesh I
Director appointed
PRASHANT PANDEY (Director)
Director appointed
KUSUM PANDEY (Managing Director)
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 2016 annual return.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Devashray Microcredit Foundation U65900UP2013NPL060218 Varanasi, Uttar Pradesh, India
Monarch Suppliers Private Limited U51909DL2010PTC280536 Delhi, Delhi, India
Baviscon Mercantiles Private Limited U51101WB2010PTC145019 Kolkata, West Bengal, India
Sri Panakalaswamy Chitfund Private Limited U65992AP2008PTC060032 Mangalagiri, Andhra Pradesh, India
Suvoshakti Stockbroking Private Limited U74900WB2014PTC202490 Kolkata, West Bengal, India
Thottumkal Kuries Private Limited U65992KL2013PTC033470 Pakkil Post, Kerala, India
Bhoomisuraksha Nidhi Limited U65991UP2015PLC071106 Moradabad, Uttar Pradesh, India
Amardhan Speciality Feeds Limited U15122DL2004PLC131038 New Delhi, Delhi, India
12

Who Uses This Report

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

Verify Rudraaksh Microfinance Foundation before audits and certifications: compliance score 100/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Rudraaksh Microfinance Foundation: 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 50/100, 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 Rudraaksh Microfinance Foundation - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 83/100, distress signals and MSME payment-delay disclosures - know whether Rudraaksh Microfinance Foundation 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 Rudraaksh Microfinance Foundation - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Rudraaksh Microfinance Foundation an active company?

Rudraaksh Microfinance Foundation has MCA status “Active” with a compliance score of 100/100 (Low Risk).

Is Rudraaksh Microfinance Foundation financially healthy?

Rudraaksh Microfinance Foundation has a Financial Health Score of 50/100 (Moderate) based on its filed financial statements.

Should I do business with Rudraaksh Microfinance Foundation?

Its overall Trust Score is 83/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Rudraaksh Microfinance Foundation?

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

Does Rudraaksh Microfinance Foundation have loans or charges against its assets?

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

Is Rudraaksh Microfinance Foundation up to date with its ROC filings?

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

Is it risky to lend to Rudraaksh Microfinance Foundation?

Its Credit Risk Score is 50/100 (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.