Promoter holding
64.27%
SC
Sai Construction Pvt.. Ltd - Due diligence report
A 360° intelligence report on Sai Construction Pvt.. Ltd: trust score, financial health, credit view, compliance, directors, growth and dist…
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Sai Construction Pvt.. Ltd — 360° Intelligence Report
Generated from MCA filings & public records79/100
Trust Score
Low Risk
Sai Construction Pvt.. Ltd is assessed as Low Risk with a Trust Score of 79/100. Sai Construction Pvt.. Ltd is an active private limited indian non-government company incorporated in 1987, operating in the Real Estate and Construction 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 29 Jun 2026 from the latest processed filings. Sai Construction Pvt.. Ltd 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 ScoreLow Risk
79/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
56/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
85/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
50/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
90/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
80/100
Early-warning signals - higher means fewer warnings.
03
Financial Intelligence Dashboard
Standalone · 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: 50/100 Moderate
- Liabilities ≈ 38% EBITDA - stretched.
- Open charges exceed net worth - secured lenders rank ahead.
- Working-capital cover adequate.
- Profitable - internal accruals available.
- Externally credit-rated (BBB-).
Charges position: 2 open (365.00 cr) · 5 satisfied (384.95 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Others | 5 | 48.0 cr |
| State Bank Of India | 2 | 48.0 cr |
Compliance Score: 56/100 Moderate
- Company status is Active as per MCA.
- Annual filings current (balance sheet Mar 2025).
- Flagged by authority: BANKS, EPFO.
- Litigation present in 2 court forum(s).
- 1 active GST registration(s).
Legal cases on record (2)
05
Director Intelligence
Stability score: 95/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| JANHAVI RASIKLAL DHARIWAL | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| PUNEET BALKRISHNAN CHETTIAR | 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 2023)
| 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 2023 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
-
Group entities
-
Capital events
3 allotment(s) · 1 transfer(s)
Promoters hold a majority stake - exact percentages are part of the full report.
Key managerial personnel: JANHAVI RASIKLAL DHARIWAL (Whole-time director) · PUNEET BALKRISHNAN CHETTIAR (Managing Director)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 90 · Distress 80
Growth signals & trust indicators
Revenue acceleration: +1.42 over 4 year(s).
Profit expanded 2.1x year-on-year.
Asset base grew 24% - capacity expansion.
EPFO headcount growing - hiring signal.
Operating for 38+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Outside liabilities up 0.86 in a year.
Compliance score is weak (56/100).
2 open charge(s) registered - assets are encumbered.
2 court case(s) on record - see the legal section for details.
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Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence70/100
Favourable indicators
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 assessment62/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 2 open charge(s) of 365.00 cr already registered.
- Compliance gaps should be priced into terms.
Investor view86/100
Positive growth indicators
Growth quality and scalability through an investor lens.
- 4 growth signal(s) detected.
- Margin and return trends computable from filings.
- Management team looks stable.
09
MCA Filings & Events Timeline
Latest 15 events30 Sep 2025
Last AGM held
Annual general meeting
28 Jul 2025
Charge created
Others - 225.00 cr
03 Jul 2025
Charge satisfied
State Bank Of India
31 Mar 2025
Latest balance sheet
Filed with ROC
17 Mar 2023
Charge satisfied
Others
20 Oct 2022
Charge created
State Bank Of India - 160.00 cr
13 Oct 2022
Charge satisfied
Others
31 Mar 2022
Share transfer (FY 2022)
99500.00000000 shares to Janhavi Rasiklal Dhariwal
30 Mar 2022
Charge created
Others - 33.00 cr
01 Oct 2021
Charge satisfied
Others
29 Sep 2021
Charge created
Others - 140.00 cr
31 Mar 2021
Director ceased
SHAMBHAVI SHARADKUMAR WAGLE
20 Jul 2019
Director ceased
PRAKASH RASIKLAL DHARIWAL
18 Jul 2019
Director appointed
JANHAVI RASIKLAL DHARIWAL (Whole-time director)
Director ceased
JANHAVI RASIKLAL DHARIWAL
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Key Observations
Auto-generated from the data aboveRevenue grew 61% over the last 4 financial year(s).
Net profit margin moved from 38% to 1.42.
Debt-to-equity stands at 2.1x - leverage worth monitoring.
Net worth is positive.
2 active director(s) / partner(s); board looks stable and experienced.
1 active GST registration(s) indicate ongoing business operations.
Carries an external credit rating of BBB- from Crisil.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a majority stake as per the FY 2023 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 3 security allotment(s) - amounts available in the full report.
| Company | CIN | Location |
|---|---|---|
| Piramal Sunteck | U70102MH2007PTC176348 | Mumbai, Maharashtra, India |
| Metro Lifestyles India Private Limited | U72100DL2010PTC210841 | New Delhi, Delhi, India |
| Panchshil | U99999MH1978PTC020812 | Mumbai, Maharashtra, India |
| Urbanaac Infrastructures Private Limited | U45201GJ2002PTC041109 | Ahmedabad, Gujarat, India |
| Punit Infracon Private Limited | U45400MH2011PTC213490 | Mumbai, Maharashtra, India |
| Sunny View Estates Private Limited | U70100WB1998PTC266792 | Kolkata, West Bengal, India |
| Joyalukkas Lifestyle Developers Private Limited | U55101KL1994PTC007964 | Vazhakkala, Kerala, India |
| Telycom Industries Private Limited | U70102MH1947PTC005909 | Thane, Maharashtra, India |
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Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Sai Construction Pvt.. Ltd before audits and certifications: compliance score 56/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Sai Construction Pvt.. Ltd: 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: Positive growth indicators. Growth score 90/100, margin trends, ownership structure and peer set for Sai Construction Pvt.. Ltd - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Favourable indicators. Trust score 79/100, distress signals and MSME payment-delay disclosures - know whether Sai Construction Pvt.. Ltd pays its suppliers before you extend credit terms.
Lawyers & Compliance Teams
Litigation footprint (2 case(s) on record), regulatory flags, charge documents trail and director networks for Sai Construction Pvt.. Ltd - groundwork for KYC, onboarding and disputes.
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Frequently Asked Questions
Is Sai Construction Pvt.. Ltd an active company?
Sai Construction Pvt.. Ltd has MCA status “Active” with a compliance score of 56/100 (Moderate).
Is Sai Construction Pvt.. Ltd financially healthy?
Sai Construction Pvt.. Ltd has a Financial Health Score of 85/100 (Low Risk) based on its filed financial statements.
Should I do business with Sai Construction Pvt.. Ltd?
Its overall Trust Score is 79/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Sai Construction Pvt.. Ltd?
Promoters hold a majority stake - exact percentages are in the full report. 2 active director(s) are on record.
Does Sai Construction Pvt.. Ltd have loans or charges against its assets?
2 open charge(s) are registered against its assets, and 5 earlier charge(s) stand satisfied.
Is Sai Construction Pvt.. Ltd up to date with its ROC filings?
Annual filings current (balance sheet Mar 2025). Overall compliance score: 56/100 (Moderate).
Is it risky to lend to Sai Construction Pvt.. Ltd?
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.
