Saras Advisory Pvt Ltd - Due diligence report

A 360° intelligence report on Saras Advisory Pvt Ltd: trust score, financial health, credit view, compliance, directors, growth and distress…

1996-01-03 Belur, West Bengal Active Unlisted Active Compliant
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SA Saras Advisory Pvt Ltd
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Saras Advisory Pvt Ltd — 360° Intelligence Report

Generated from MCA filings & public records
84/100
Trust Score
Low Risk

Saras Advisory Pvt Ltd is assessed as Low Risk with a Trust Score of 84/100. Saras Advisory Pvt Ltd is an active private limited indian non-government company incorporated in 1996, operating in the Financial Services 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 24 Jul 2026 from the latest processed filings. Saras Advisory Pvt Ltd snapshot & full profile →

Financial Health › Strong
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
84/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
70/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
95/100
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

Consolidated · 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: 50/100 Moderate
  • Liabilities ≈ 38% EBITDA - stretched.
  • Open charges exceed net worth - secured lenders rank ahead.
  • Moderate gearing (D/E 1.42).
  • Profitable - internal accruals available.

Charges position: 3 open (65.43 cr) · 0 satisfied (-).

Banking relationships (from registered charges)
LenderChargesAmount
Others2 48.0 cr
Oriental Bank Of Commerce1 48.0 cr
Compliance Score: 70/100 Moderate
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • Flagged by authority: FIU.
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
BISHWANATH AGARWAL 01234567 Director 01/04/2018 6 yrs Approved
AMIT AGARWAL 01234567 Director 01/04/2018 6 yrs Approved
Gaurav Agarwal 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 2020 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
3
Group entities
3
Capital events
2 allotment(s) · 0 transfer(s)

Promoters hold a dominant controlling stake - exact percentages are part of the full report.

Group entityRelationship% held
Steel Crackers Pvt Ltd Subsidiary Company 74.00%
B D Sponge Iron Private Limited Subsidiary Company 74.00%
Amit Ferro-alloys & Steel Private Limited Subsidiary Company 74.00%

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 90 · Distress 80
Growth signals & trust indicators
Steady revenue growth: +2.1x over 4 year(s).
Latest year revenue grew 24%.
Profit expanded 0.86 year-on-year.
Asset base grew 61% - capacity expansion.
Net margin improved to 38%.
Operating for 30+ years.
Distress signals & risk flags
Outside liabilities up 1.42 in a year.
3 open charge(s) registered - assets are encumbered.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence77/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • 1 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment68/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
  • Debt capacity assessed from filed statements.
  • 3 open charge(s) of 65.43 cr already registered.
  • Compliance record supports lending.
Investor view90/100
Positive growth indicators
Growth quality and scalability through an investor lens.
  • 5 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 13 events
01 Jan 2026
Director appointed
Gaurav Agarwal (Director)
27 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
24 Oct 2024
Charge created
Others - 17.13 cr
18 Aug 2021
Charge created
Others - 34.18 cr
15 Jul 2015
Director ceased
ARUN KUMAR GUPTA
Director ceased
MAHENDRA KUMAR AGARWAL
25 Mar 2014
Charge created
Oriental Bank Of Commerce - 14.13 cr
18 Dec 2012
Director appointed
BISHWANATH AGARWAL (Director)
Director appointed
AMIT AGARWAL (Director)
27 Mar 2012
Securities allotted
10000 Equity Shares Without Differential Rights - 50.00 Lakh raised
16 Apr 2010
Securities allotted
403000 Equity Shares Without Differential Rights - 4.03 cr raised
03 Jan 1996
Incorporated
Registered with Roc Kolkata Ii
10

Key Observations

Auto-generated from the data above
Revenue grew 2.1x over the last 4 financial year(s).
Net profit margin moved from 24% to 0.86.
Debt-to-equity stands at 61% - manageable leverage.
Net worth is positive.
3 active director(s) / partner(s); board looks stable and experienced.
Operates a group structure with 3 subsidiary(ies) - assess on a consolidated basis.
Promoters hold a dominant controlling stake as per the FY 2020 annual return.
Capital has been raised through 2 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Uthukuli Vinayaga Chit Funds Private Limited U65992TZ2011PTC016941 Tiruppur, Tamil Nadu, India
Singhal Properties Pvt Ltd U45202WB1990PTC050069 Kolkata, West Bengal, India
Ampro Fincorp Private Limited U51101WB2013PTC194894 Kolkata, West Bengal, India
E-Smart Services Private Limited U74999HR2016PTC063903 Old Faridabad, Haryana, India
Narang Merchandise Private Limited U51909WB1992PTC056037 Kolkata, West Bengal, India
P K Mookan Ambalam Finance Private Limited U65191TN1989PTC018075 Nagar, Maduari, Tamil Nadu, India
Tapasya Credit Nidhi Limited U65999UP2018PLC105741 Firozabad, Uttar Pradesh, India
Parshiv Import Export Private Limited U74899DL1992PTC047150 New Delhi, Delhi, India
12

Who Uses This Report

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

Verify Saras Advisory Pvt Ltd before audits and certifications: compliance score 70/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Saras Advisory 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 Saras Advisory Pvt Ltd - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 84/100, distress signals and MSME payment-delay disclosures - know whether Saras Advisory Pvt Ltd 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 Saras Advisory Pvt Ltd - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Saras Advisory Pvt Ltd an active company?

Saras Advisory Pvt Ltd has MCA status “Active” with a compliance score of 70/100 (Moderate).

Is Saras Advisory Pvt Ltd financially healthy?

Saras Advisory Pvt Ltd has a Financial Health Score of 95/100 (Low Risk) based on its filed financial statements.

Should I do business with Saras Advisory Pvt Ltd?

Its overall Trust Score is 84/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Saras Advisory Pvt Ltd?

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

Does Saras Advisory Pvt Ltd have loans or charges against its assets?

3 open charge(s) are registered against its assets.

Is Saras Advisory Pvt Ltd up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 70/100 (Moderate).

Is it risky to lend to Saras Advisory 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.