Saraf Housing Development Private Limited - Due diligence report

A 360° intelligence report on Saraf Housing Development Private Limited: trust score, financial health, credit view, compliance, directors, …

2000-06-01 Chennai, Tamil Nadu Active Unlisted Active Compliant
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Saraf Housing Development Private Limited — 360° Intelligence Report

Generated from MCA filings & public records
75/100
Trust Score
Low Risk

Saraf Housing Development Private Limited is assessed as Low Risk with a Trust Score of 75/100. Saraf Housing Development Private Limited is an active private limited indian non-government company incorporated in 2000, operating in the Real Estate and Construction 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 low compliance risk and high financial risk profile.

Report generated on 23 Jun 2026 from the latest processed filings. Saraf Housing Development Private Limited snapshot & full profile →

Financial Health › Weak
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
75/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
100/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
30/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
25/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreCaution Indicated
40/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
60/100
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.

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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: 25/100 Caution Indicated
  • Liabilities ≈ 38% EBITDA - stretched.
  • Open charges exceed net worth - secured lenders rank ahead.
  • Elevated gearing (D/E 1.42).
  • Working-capital cover adequate.

Charges position: 2 open (15.00 cr) · 1 satisfied (6.00 cr).

Banking relationships (from registered charges)
LenderChargesAmount
Others2 48.0 cr
State Bank Of India1 48.0 cr
Compliance Score: 100/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • 1 active GST registration(s).
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
GAJANAND SARAF 01234567 Director 01/04/2018 6 yrs Approved
RAJESH KUMAR SARAF 01234567 Director 01/04/2018 6 yrs Approved
SARITA SARAF 01234567 Director 01/04/2018 6 yrs Approved
  • 3 directors on the board.
  • No disqualified or deactivated DINs.
  • Stable board - no exits in 3 years.
  • Average tenure above 5 years.
06

Ownership & Group Intelligence

As per FY 2023 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.

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 40 · Distress 60
Growth signals & trust indicators
Operating for 26+ years.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
Losses deepening year-on-year.
2 open charge(s) registered - assets are encumbered.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence80/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • 2 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment45/100
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 15.00 cr already registered.
  • Compliance record supports lending.
Investor view45/100
Mixed indicators
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 10 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
25 Jan 2023
Charge created
Others - 7.50 cr
23 Jan 2023
Charge created
Others - 7.50 cr
15 Dec 2022
Charge satisfied
State Bank Of India
31 Aug 2021
Charge created
State Bank Of India - 6.00 cr
30 Sep 2008
Director appointed
SARITA SARAF (Director)
01 Jun 2000
Incorporated
Registered with Roc Chennai
Director appointed
GAJANAND SARAF (Director)
Director appointed
RAJESH KUMAR SARAF (Director)
10

Key Observations

Auto-generated from the data above
Revenue declined 2.1x over the last 4 financial year(s).
Debt-to-equity stands at 24% - leverage worth monitoring.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
3 active director(s) / partner(s); board looks stable and experienced.
1 active GST registration(s) indicate ongoing business operations.
Promoters hold a dominant controlling stake as per the FY 2023 annual return.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Ppp Residency Private Limited U45400WB2012PTC174534 Durgapur, West Bengal, India
Arun Polyscience Private Limited U70100DL2008PTC174024 New Delhi, Delhi, India
Elan India Private Limited U70109HR2016PTC064423 Gurugram, Haryana, India
Nspj Service Ventures Private Limited U93090HR2018PTC076596 Gurgaon, Haryana, India
Jiyo Realties Private Limited U70100MP2011PTC026886 Indore, Madhya Pradesh, India
Meher Synthetics Private Limited U17119GJ1992PTC017401 Surat, Gujarat, India
One Developers Private Limited U45200TG2015PTC099520 Madhapur, Telangana, India
Malhar Realtors Private Limited U70102MH2006PTC188594 Mumbai, Maharashtra, India
12

Who Uses This Report

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

Verify Saraf Housing Development Private Limited 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 Saraf Housing Development Private Limited: 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 25/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Mixed indicators. Growth score 40/100, margin trends, ownership structure and peer set for Saraf Housing Development Private Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 75/100, distress signals and MSME payment-delay disclosures - know whether Saraf Housing Development Private Limited 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 Saraf Housing Development Private Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Saraf Housing Development Private Limited an active company?

Saraf Housing Development Private Limited has MCA status “Active” with a compliance score of 100/100 (Low Risk).

Is Saraf Housing Development Private Limited financially healthy?

Saraf Housing Development Private Limited has a Financial Health Score of 30/100 (Caution Indicated) based on its filed financial statements.

Should I do business with Saraf Housing Development Private Limited?

Its overall Trust Score is 75/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Saraf Housing Development Private Limited?

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

Does Saraf Housing Development Private Limited have loans or charges against its assets?

2 open charge(s) are registered against its assets, and 1 earlier charge(s) stand satisfied.

Is Saraf Housing Development Private Limited 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 Saraf Housing Development Private Limited?

Its Credit Risk Score is 25/100 (Caution Indicated). 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.