Promoter holding
64.27%
SC
Sammaan Capital Limited - Due diligence report
A 360° intelligence report on Ibhfl: trust score, financial health, credit view, compliance, directors, growth and distress signals - genera…
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Ibhfl — 360° Intelligence Report
Generated from MCA filings & public records60/100
Trust Score
Moderate
Ibhfl is assessed as Moderate with a Trust Score of 60/100. Ibhfl is an active public limited indian non-government company incorporated in 2005, operating in the Financial Services sector. Reported revenue has declined across its recent filed years. It was profitable in its latest filed year. Based on MCA filings and public records, it currently shows a high compliance risk and moderate financial risk profile.
Report generated on 16 Aug 2026 from the latest processed filings. Sammaan Capital 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
60/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
40/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
60/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
35/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreCaution Indicated
45/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
60/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
75/100
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: 35/100 Caution Indicated
- Liabilities ≈ 38% EBITDA - stretched.
- Open charges exceed net worth - secured lenders rank ahead.
- Elevated gearing (D/E 1.42).
- Profitable - internal accruals available.
- Externally credit-rated (AA).
Charges position: 123 open (55,145.46 cr) · 815 satisfied (188,486.38 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Idbi Trusteeship Services Limited | 543 | 48.0 cr |
| Others | 49 | 48.0 cr |
| State Bank Of India | 14 | 48.0 cr |
| Hdfc Bank Limited | 40 | 48.0 cr |
| Idbi Bank Limited | 16 | 48.0 cr |
| Canara Bank | 9 | 48.0 cr |
Compliance Score: 40/100 Caution Indicated
- Company status is Active as per MCA.
- Annual filings current (balance sheet Mar 2025).
- Flagged by authority: SEBI, RBI, NSE.
- Litigation present in 5 court forum(s).
- 1 auditor resignation(s) filed - latest: S.R. BATLIBOI & CO. LLP on 2021-11-13.
- 21 active GST registration(s).
Legal cases on record (5)
05
Director Intelligence
Stability score: 45/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| GAGAN BANGA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| ALWYN DINESH CRASTA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| AMIT KUMAR JAIN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| DINABANDHU MOHAPATRA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SIDDHARTH ACHUTHAN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| AMIT KUMAR JAIN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| MUKESH KUMAR GARG | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| MUKESH KUMAR GARG | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SUBHASH SHEORATAN MUNDRA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| RAJIV GUPTA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SACHIN CHAUDHARY | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SHEFALI SHAH | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 12 directors on the board.
- MUKESH KUMAR GARG has DIN status "Deactivated due to non-filing of DIR-3 KYC".
- 1 director exit(s) in the last 3 years.
- Average tenure above 5 years.
Director & KMP remuneration (FY 2020)
| 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 2020 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
305 allotment(s) · 2 transfer(s)
Promoters hold a minority stake - exact percentages are part of the full report.
| Group entity | Relationship | % held |
|---|---|---|
| Ibulls Sales Limited | Subsidiary Company | 74.00% |
| Indiabulls Advisory Services Limited | Subsidiary Company | 74.00% |
| Indiabulls Asset Holding Company Limited | Subsidiary Company | 74.00% |
| Indiabulls Asset Management Company Limited. | Subsidiary Company | 74.00% |
| Indiabulls Asset Management Mauritius | Subsidiary Company | 74.00% |
| Indiabulls Capital Services Limited | Subsidiary Company | 74.00% |
| Indiabulls Collection Agency Limited | Subsidiary Company | 74.00% |
| Indiabulls Commercial Credit Limited | Subsidiary Company | 74.00% |
| Indiabulls Holdings Limited | Subsidiary Company | 74.00% |
| Indiabulls Insurance Advisors Limited | Subsidiary Company | 74.00% |
Key managerial personnel: GAGAN BANGA (Managing Director) · MUKESH KUMAR GARG (CFO) · MUKESH KUMAR GARG (CFO) · SACHIN CHAUDHARY (Whole-time director)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 60 · Distress 75
Growth signals & trust indicators
Profit expanded 2.1x year-on-year.
Net margin improved to 24%.
EPFO headcount growing - hiring signal.
Operating for 21+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
Compliance score is weak (40/100).
123 open charge(s) registered - assets are encumbered.
1 auditor resignation(s) on record - review the stated reasons.
5 court case(s) on record - see the legal section for details.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence56/100
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 assessment44/100
Enhanced diligence advised
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 123 open charge(s) of 55,145.46 cr already registered.
- Compliance gaps should be priced into terms.
Investor view60/100
Mixed indicators
Growth quality and scalability through an investor lens.
- 3 growth signal(s) detected.
- Margin and return trends computable from filings.
- Management churn warrants questions.
09
MCA Filings & Events Timeline
Latest 15 events03 Jul 2026
Charge created
Idbi Trusteeship Services Limited - 1,400.00 cr
29 Jun 2026
Charge created
Idbi Trusteeship Services Limited - 600.00 cr
08 Jun 2026
Charge satisfied
Idbi Trusteeship Services Limited
15 May 2026
Director appointed
ALWYN DINESH CRASTA (Additional Director)
06 May 2026
Charge satisfied
Idbi Trusteeship Services Limited
23 Apr 2026
Charge satisfied
Idbi Trusteeship Services Limited
22 Apr 2026
Charge satisfied
Idbi Trusteeship Services Limited
16 Apr 2026
Charge created
Idbi Trusteeship Services Limited - 500.00 cr
13 Apr 2026
Charge satisfied
Idbi Trusteeship Services Limited
10 Apr 2026
Charge created
Idbi Trusteeship Services Limited - 250.00 cr
27 Mar 2026
Charge created
Idbi Trusteeship Services Limited - 500.00 cr
Charge created
Idbi Trusteeship Services Limited - 750.00 cr
26 Mar 2026
Charge created
Idbi Trusteeship Services Limited - 500.00 cr
24 Mar 2026
Charge created
Idbi Trusteeship Services Limited - 938.40 cr
19 Mar 2026
Charge created
Idbi Trusteeship Services Limited - 200.00 cr
10
Key Observations
Auto-generated from the data aboveRevenue declined 0.86 over the last 4 financial year(s).
Net profit margin moved from 61% to 38%.
Debt-to-equity stands at 1.42 - leverage worth monitoring.
Net worth is positive.
12 active director(s) / partner(s); review board churn before relying on management continuity.
21 active GST registration(s) indicate ongoing business operations.
Operates a group structure with 6 subsidiary(ies) - assess on a consolidated basis.
Carries an external credit rating of AA from Icra.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a minority stake as per the FY 2020 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 305 security allotment(s) - amounts available in the full report.
1 overseas direct investment(s) (ODI) on record - international footprint.
| Company | CIN | Location |
|---|---|---|
| Jmfinancialservices | U74140MH1984PLC033397 | Mumbai, Maharashtra, India |
| Kotak Mahindra Investments Limited | U65900MH1988PLC047986 | Mumbai, Maharashtra, India |
| Jmfl | U74140MH1980PLC022644 | Mumbai, Maharashtra, India |
| Edelweissfin | U65990MH2005PLC154854 | Mumbai, Maharashtra, India |
| Indiabulls | U65923DL2006PLC150632 | Delhi, Delhi, India |
| Sundaram Finance | L65191TN1954PLC002429 | Chennai, Tamil Nadu, India |
| Tata Cleantech Capital | U67100MH2010PLC210201 | Mumbai, Maharashtra, India |
| Irfc | L65910DL1986GOI026363 | Delhi, Delhi, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Ibhfl before audits and certifications: compliance score 40/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Ibhfl: 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 35/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Mixed indicators. Growth score 60/100, margin trends, ownership structure and peer set for Ibhfl - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Review suggested. Trust score 60/100, distress signals and MSME payment-delay disclosures - know whether Ibhfl pays its suppliers before you extend credit terms.
Lawyers & Compliance Teams
Litigation footprint (5 case(s) on record), regulatory flags, charge documents trail and director networks for Ibhfl - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Ibhfl an active company?
Ibhfl has MCA status “Active” with a compliance score of 40/100 (Caution Indicated).
Is Ibhfl financially healthy?
Ibhfl has a Financial Health Score of 60/100 (Moderate) based on its filed financial statements.
Should I do business with Ibhfl?
Its overall Trust Score is 60/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Ibhfl?
Promoters hold a minority stake - exact percentages are in the full report. 12 active director(s) are on record.
Does Ibhfl have loans or charges against its assets?
123 open charge(s) are registered against its assets, and 815 earlier charge(s) stand satisfied.
Is Ibhfl up to date with its ROC filings?
Annual filings current (balance sheet Mar 2025). Overall compliance score: 40/100 (Caution Indicated).
Is it risky to lend to Ibhfl?
Its Credit Risk Score is 35/100 (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.
