Ruptok Fintech Private Limited - Due diligence report

A 360° intelligence report on Ruptok Fintech: trust score, financial health, credit view, compliance, directors, growth and distress signals…

2019-09-26 New Delhi, Delhi Active Unlisted
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Ruptok Fintech — 360° Intelligence Report

Generated from MCA filings & public records
70/100
Trust Score
Moderate

Ruptok Fintech is assessed as Moderate with a Trust Score of 70/100. Ruptok Fintech is an active private limited indian non-government company incorporated in 2019, operating in the Financial Services sector. The company has shown revenue growth 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 moderate compliance risk and moderate financial risk profile.

Report generated on 03 Jul 2026 from the latest processed filings. Ruptok Fintech Private Limited snapshot & full profile →

Financial Health › Strong
Overall Assessment CautionWeakNeutralGoodStrong Strong
Compliance › Good

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
70/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
60/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
70/100
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 ScoreLow Risk
85/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
55/100
Early-warning signals - higher means fewer warnings.
03

Financial Intelligence Dashboard

Standalone · 3 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: 60/100 Moderate
  • Company status is Active as per MCA.
  • Last balance sheet is for Mar 2022 - filings overdue.
  • Litigation present in 1 court forum(s).
  • Delayed payments to MSME suppliers disclosed (2 disclosure(s)).
Legal cases on record (1)
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
YASHWARDHAN RAJESH AEREN 01234567 Director 01/04/2018 6 yrs Approved
ANKUR GUPTA 01234567 Director 01/04/2018 6 yrs Approved
  • 2 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 2022)
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 2022 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
2
Group entities
2
Capital events
7 allotment(s) · 1 transfer(s)

Promoters hold the largest single block of equity - exact percentages are part of the full report.

Group entityRelationship% held
Ruptok Finance Private Limited Subsidiary Company 74.00%
Vinrak Technologies Private Limited Subsidiary Company 74.00%

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 85 · Distress 55
Growth signals & trust indicators
Revenue acceleration: +1.42 over 2 year(s).
Latest year revenue grew 2.1x.
Asset base grew 24% - capacity expansion.
Operating for 6 years.
Active EPFO - real payroll on record.
Distress signals & risk flags
Losses deepening year-on-year.
Outside liabilities up 0.86 in a year.
Statutory filings appear overdue.
MSME payment delays disclosed - latest outstanding 2.43 Lakh.
1 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence62/100
Review suggested
Suitability as a supplier / customer counterparty.
  • Check the compliance flags before onboarding.
  • 3 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment63/100
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 view76/100
Positive growth indicators
Growth quality and scalability through an investor lens.
  • 3 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 15 events
09 Nov 2022
Securities allotted
700000 Debentures - 70.00 Lakh raised
02 Sep 2022
Director ceased
YASHWARDHAN RAJESH AEREN
Last AGM held
Annual general meeting
31 Mar 2022
Share transfer (FY 2022)
1944.00000000 shares to ETHIC INC.
Latest balance sheet
Filed with ROC
28 Feb 2022
Director appointed
YASHWARDHAN RAJESH AEREN (Director)
Director ceased
RISHI GUPTA
30 Nov 2021
Director ceased
RAJEEV KUMAR
19 Nov 2021
Securities allotted
1300 Equity Shares - 13.00 cr raised
18 Oct 2021
Securities allotted
300 Equity Shares - 3.00 cr raised
27 May 2021
Securities allotted
1996 Equity Shares - 2.00 Lakh raised
25 Apr 2021
Securities allotted
119 Equity Shares - 30.61 Lakh raised
16 Jan 2021
Securities allotted
3888 Equity Shares - 10.00 cr raised
26 Sep 2019
Incorporated
Registered with Roc Delhi
Director appointed
ANKUR GUPTA (Director)
10

Key Observations

Auto-generated from the data above
Revenue grew 61% over the last 2 financial year(s).
Net profit margin moved from 38% to 1.42.
Debt-to-equity stands at 2.1x - manageable leverage.
Net worth is positive.
2 active director(s) / partner(s); board looks stable and experienced.
Operates a group structure with 2 subsidiary(ies) - assess on a consolidated basis.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold the largest single block of equity as per the FY 2022 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 7 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Advanced Fiscal Services Pvt.Ltd. U65999MH1995PTC240160 Mumbai, Maharashtra, India
Tirumala Sales Pvt Ltd U15549WB1986PTC040824 Saltlake, West Bengal, India
Umayambikai Financial Services Private Limited U65921TN1988PTC015748 Chennai, Tamil Nadu, India
Jodhani Management Pvt Ltd U51909WB1995PTC070677 Kolkata, West Bengal, India
Eik Investment And Trading Limited U65993DL1983PLC016203 New Delhi, Delhi, India
Maya Finlease Private Limited U74899DL1995PTC068610 New Delhi, Delhi, India
Vanaik Investors Ltd U65993DL1972PLC006178 New Delhi, Delhi, India
Rampo Export Import Pvt. Ltd. U52324WB1993PTC059689 Kolkata, West Bengal, India
12

Who Uses This Report

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

Verify Ruptok Fintech before audits and certifications: compliance score 60/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Ruptok Fintech: 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: Positive growth indicators. Growth score 85/100, margin trends, ownership structure and peer set for Ruptok Fintech - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Review suggested. Trust score 70/100, distress signals and MSME payment-delay disclosures - know whether Ruptok Fintech 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 Ruptok Fintech - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Ruptok Fintech an active company?

Ruptok Fintech has MCA status “Active” with a compliance score of 60/100 (Moderate).

Is Ruptok Fintech financially healthy?

Ruptok Fintech has a Financial Health Score of 70/100 (Moderate) based on its filed financial statements.

Should I do business with Ruptok Fintech?

Its overall Trust Score is 70/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Ruptok Fintech?

Promoters hold the largest single block of equity - exact percentages are in the full report. 2 active director(s) are on record.

Does Ruptok Fintech have loans or charges against its assets?

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

Is Ruptok Fintech up to date with its ROC filings?

Last balance sheet is for Mar 2022 - filings overdue. Overall compliance score: 60/100 (Moderate).

Is it risky to lend to Ruptok Fintech?

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.