Promoter holding
64.27%
SM
Sahayog Microfinance Limited - Due diligence report
A 360° intelligence report on Sahayogmicro: trust score, financial health, credit view, compliance, directors, growth and distress signals -…
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Sahayogmicro — 360° Intelligence Report
Generated from MCA filings & public records44/100
Trust Score
Caution Indicated
Sahayogmicro is assessed as Caution Indicated with a Trust Score of 44/100. Sahayogmicro is an active public limited indian non-government company incorporated in 1995, operating in the Financial Services sector. Reported revenue has declined 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 high compliance risk and high financial risk profile.
Report generated on 11 Jul 2026 from the latest processed filings. Sahayog Microfinance 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 ScoreCaution Indicated
44/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
8/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
45/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
40/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreModerate
55/100
Board strength, DIN status, churn and network.
Growth ScoreCaution Indicated
40/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
50/100
Early-warning signals - higher means fewer warnings.
03
Financial Intelligence Dashboard
Standalone · 2 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: 40/100 Caution Indicated
- Liabilities ≈ 38% EBITDA - stretched.
- Open charges exceed net worth - secured lenders rank ahead.
- Moderate gearing (D/E 1.42).
Charges position: 25 open (109.56 cr) · 17 satisfied (108.38 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Ifmr Capital Finance Private Limited | 8 | 48.0 cr |
| Idbi Bank Limited | 3 | 48.0 cr |
| Central Bank Of India | 1 | 48.0 cr |
| Bank Of Maharashtra | 4 | 48.0 cr |
| Small Industries Development Bank Of India | 2 | 48.0 cr |
| The Ratnakar Bank Limited | 1 | 48.0 cr |
Compliance Score: 8/100 Caution Indicated
- Company status is Active as per MCA.
- Marked ACTIVE non-compliant (INC-22A).
- Last balance sheet is for Mar 2023 - filings overdue.
- Flagged by authority: BANKS, DRT, FIU.
- Litigation present in 1 court forum(s).
- 1 auditor resignation(s) filed - latest: Desai Saksena & Associates on 2016-08-20.
Legal cases on record (1)
05
Director Intelligence
Stability score: 55/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| ANAND PATIDAR | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| MUKESH PATIDAR | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| AMUL URDHWARESHE DIGAMBER | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| ANIL SHARAD KULKARNI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Anand Patidar | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Vaishali Vaishnav | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Prakash Sahu | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Shivam Narwaria | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 8 directors on the board.
- MUKESH PATIDAR has DIN status "Disqualified by RoC u/s 164(2)".
- Stable board - no exits in 3 years.
- Average tenure above 5 years.
Director & KMP remuneration (FY 2016)
| 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 2016 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
1
Group entities
1
Capital events
6 allotment(s) · 0 transfer(s)
Promoters hold a dominant controlling stake - exact percentages are part of the full report.
| Group entity | Relationship | % held |
|---|---|---|
| Sahayog Finxcess Consultancy Services Private Limited | Subsidiary Company | 74.00% |
Key managerial personnel: ANAND PATIDAR (CFO) · AMUL URDHWARESHE DIGAMBER (Whole-time director)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 40 · Distress 50
Growth signals & trust indicators
Operating for 31+ years.
Active EPFO - real payroll on record.
Distress signals & risk flags
Revenue declined year-on-year.
Losses deepening year-on-year.
Statutory filings appear overdue.
Compliance score is weak (8/100).
25 open charge(s) registered - assets are encumbered.
1 auditor resignation(s) on record - review the stated reasons.
1 court case(s) on record - see the legal section for details.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence31/100
Caution indicated
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 assessment34/100
Enhanced diligence advised
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 25 open charge(s) of 109.56 cr already registered.
- 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 churn warrants questions.
09
MCA Filings & Events Timeline
Latest 15 events13 Mar 2025
Director appointed
Anand Patidar (Cfo)
12 Mar 2025
Director appointed
Vaishali Vaishnav (Company Secretary)
25 Feb 2025
Director appointed
Prakash Sahu (Additional Director)
Director appointed
Shivam Narwaria (Additional Director)
30 Sep 2023
Last AGM held
Annual general meeting
31 Mar 2023
Latest balance sheet
Filed with ROC
18 May 2018
Director ceased
ANIL SHARAD KULKARNI
05 Sep 2017
Director appointed
ANAND PATIDAR (CFO)
Director appointed
MUKESH PATIDAR (Director)
04 Sep 2017
Director ceased
ANAND PATIDAR
01 Mar 2017
Charge satisfied
Bank Of Maharashtra
01 Dec 2016
Charge satisfied
Corporation Bank
22 Sep 2016
Charge satisfied
Indian Overseas Bank
05 Sep 2016
Charge satisfied
Indian Bank
29 Aug 2016
Charge satisfied
State Bank Of India
10
Key Observations
Auto-generated from the data aboveRevenue declined 2.1x over the last 1 financial year(s).
Net profit margin moved from 24% to 0.86.
Debt-to-equity stands at 61% - manageable leverage.
Net worth is positive.
8 active director(s) / partner(s); review board churn before relying on management continuity.
Operates a group structure with 1 subsidiary(ies) - assess on a consolidated basis.
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 6 security allotment(s) - amounts available in the full report.
| Company | CIN | Location |
|---|---|---|
| Sturdy Sales Pvt Ltd | U51109DL1995PTC206609 | Delhi, Delhi, India |
| Mandi2Market Traders Private Limited | U67190KA2007PTC043494 | Bangalore, Karnataka, India |
| Beereshwar Financial Services Private Limited | U67110KA2011PTC056477 | Chikodi, Karnataka, India |
| Crowe Boda And Company Private Limited | U74999MH1956PTC009727 | Mumbai, Maharashtra, India |
| Blue Sky Money Changer Private Limited | U67190TN2006PTC059355 | Trichy-620008, Tamil Nadu, India |
| Mukkadans Forex Private Limited | U67190KL2011PTC027982 | Kumily, Kerala, India |
| New Times Forex Private Limited | U74999DL2003PTC121675 | New Delhi, Delhi, India |
| Amrapali Aadya | U67120DL1998PTC096805 | New Delhi, Delhi, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Sahayogmicro before audits and certifications: compliance score 8/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Sahayogmicro: 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: Enhanced diligence advised. Credit risk score 40/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Limited indicators at present. Growth score 40/100, margin trends, ownership structure and peer set for Sahayogmicro - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Caution indicated. Trust score 44/100, distress signals and MSME payment-delay disclosures - know whether Sahayogmicro 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 Sahayogmicro - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Sahayogmicro an active company?
Sahayogmicro has MCA status “Active” with a compliance score of 8/100 (Caution Indicated).
Is Sahayogmicro financially healthy?
Sahayogmicro has a Financial Health Score of 45/100 (Caution Indicated) based on its filed financial statements.
Should I do business with Sahayogmicro?
Its overall Trust Score is 44/100 (Caution Indicated). Vendor verdict: Caution indicated. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Sahayogmicro?
Promoters hold a dominant controlling stake - exact percentages are in the full report. 8 active director(s) are on record.
Does Sahayogmicro have loans or charges against its assets?
25 open charge(s) are registered against its assets, and 17 earlier charge(s) stand satisfied.
Is Sahayogmicro up to date with its ROC filings?
Marked ACTIVE non-compliant (INC-22A). Overall compliance score: 8/100 (Caution Indicated).
Is it risky to lend to Sahayogmicro?
Its Credit Risk Score is 40/100 (Caution Indicated). Banker verdict: Enhanced diligence advised.
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.
