Promoter holding
64.27%
SM
Satya Microcapital Limited - Due diligence report
A 360° intelligence report on Satyamicrocapital: trust score, financial health, credit view, compliance, directors, growth and distress sign…
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Satyamicrocapital — 360° Intelligence Report
Generated from MCA filings & public records63/100
Trust Score
Moderate
Satyamicrocapital is assessed as Moderate with a Trust Score of 63/100. Satyamicrocapital is an active public limited indian non-government company incorporated in 1995, 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 high compliance risk and low financial risk profile.
Report generated on 04 Aug 2026 from the latest processed filings. Satya Microcapital 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
63/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
34/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
75/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
30/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreCaution Indicated
45/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
95/100
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: 30/100 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.
Charges position: 114 open (5,370.05 cr) · 278 satisfied (5,418.56 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Others | 357 | 48.0 cr |
| Sidbi | 4 | 48.0 cr |
| The Hongkong And Shanghai Banking Corporation Limited | 8 | 48.0 cr |
| Standard Chartered Bank | 5 | 48.0 cr |
| Yes Bank Limited | 4 | 48.0 cr |
| State Bank Of India | 4 | 48.0 cr |
Compliance Score: 34/100 Caution Indicated
- Company status is Active as per MCA.
- Balance sheet slightly behind (Mar 2024).
- Flagged by authority: CDSL.
- Litigation present in 2 court forum(s).
- 2 auditor resignation(s) filed - latest: S.R. Batliboi & Associates LLP on 2021-09-23.
- 26 active GST registration(s).
Legal cases on record (2)
05
Director Intelligence
Stability score: 45/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| TAEJUN SHIN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| DEEPALI PANT RAJEEV JOSHI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| CHOUDHARY RUNVEER KRISHANAN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| RATNESH TIWARI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| VIVEK TIWARI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| KSHAMA FERNANDES | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| CHOUDHARY RUNVEER KRISHANAN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| MOHAN CHANDANATHIL PAPPACHAN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SUREKHA MARANDI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SANJAY GANDHI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| VANDITA KAUL | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 11 directors on the board.
- SUREKHA MARANDI 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 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
Gojo & Company, Inc
Subsidiaries
1
Group entities
1
Capital events
62 allotment(s) · 2 transfer(s)
Promoters hold a dominant controlling stake - exact percentages are part of the full report.
| Group entity | Relationship | % held |
|---|---|---|
| Satya Micro Housing Finance Private Limited | Subsidiary Company | 74.00% |
| Gojo & Company, Inc | Holding Company | 74.00% |
Key managerial personnel: VIVEK TIWARI (Managing Director) · VANDITA KAUL (CFO)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 95 · Distress 80
Growth signals & trust indicators
Revenue acceleration: +2.1x over 4 year(s).
Latest year revenue grew 24%.
Profit expanded 0.86 year-on-year.
Asset base grew 61% - capacity expansion.
EPFO headcount growing - hiring signal.
Operating for 31+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Outside liabilities up 38% in a year.
Compliance score is weak (34/100).
114 open charge(s) registered - assets are encumbered.
2 auditor resignation(s) on record - review the stated reasons.
2 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.
- 114 open charge(s) of 5,370.05 cr already registered.
- Compliance gaps should be priced into terms.
Investor view80/100
Positive growth indicators
Growth quality and scalability through an investor lens.
- 5 growth signal(s) detected.
- Margin and return trends computable from filings.
- Management churn warrants questions.
09
MCA Filings & Events Timeline
Latest 15 events24 Dec 2025
Charge satisfied
Others
23 Dec 2025
Charge satisfied
Others
22 Dec 2025
Charge satisfied
Others
27 Nov 2025
Charge satisfied
Others
18 Nov 2025
Charge satisfied
Others
25 Oct 2025
Charge satisfied
Others
16 Oct 2025
Charge satisfied
The Hongkong And Shanghai Banking Corporation Limited
08 Oct 2025
Charge satisfied
Others
07 Oct 2025
Charge satisfied
Others
06 Oct 2025
Charge satisfied
Others
30 Sep 2025
Director appointed
KSHAMA FERNANDES (Additional Director)
17 Sep 2025
Charge satisfied
Others
20 Aug 2025
Charge satisfied
Others
18 Aug 2025
Charge satisfied
Yes Bank Limited
08 Aug 2025
Charge satisfied
Others
10
Key Observations
Auto-generated from the data aboveRevenue grew 1.42 over the last 4 financial year(s).
Net profit margin moved from 2.1x to 24%.
Debt-to-equity stands at 0.86 - leverage worth monitoring.
Net worth is positive.
11 active director(s) / partner(s); review board churn before relying on management continuity.
26 active GST registration(s) indicate ongoing business operations.
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 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 62 security allotment(s) - amounts available in the full report.
| Company | CIN | Location |
|---|---|---|
| Grihashakti | U65922TN2010PLC076972 | Sriperumbudur, Tamil Nadu, India |
| Vastu Housing Finance | U65922MH2005PLC272501 | Mumbai, Maharashtra, India |
| Mdb Tours And Forex Private Limited | U74999MH2019PTC322465 | Mumbai, Maharashtra, India |
| Arham Share Private Limited | U67120GJ2010PTC061501 | Gandhinagar, Gujarat, India |
| Rathi | U67120MH1996PLC100108 | Mumbai, Maharashtra, India |
| Toyota Financial Services India Limited | U74900KA2011FLC058752 | Bangalore South, Karnataka, India |
| Bseindia | L67120MH2005PLC155188 | Mumbai, Maharashtra, India |
| Quest Portfolio Services Private Limited | U67120MH2006PTC165943 | Mumbai, Maharashtra, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Satyamicrocapital before audits and certifications: compliance score 34/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Satyamicrocapital: 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 30/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Positive growth indicators. Growth score 95/100, margin trends, ownership structure and peer set for Satyamicrocapital - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Review suggested. Trust score 63/100, distress signals and MSME payment-delay disclosures - know whether Satyamicrocapital 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 Satyamicrocapital - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Satyamicrocapital an active company?
Satyamicrocapital has MCA status “Active” with a compliance score of 34/100 (Caution Indicated).
Is Satyamicrocapital financially healthy?
Satyamicrocapital has a Financial Health Score of 75/100 (Low Risk) based on its filed financial statements.
Should I do business with Satyamicrocapital?
Its overall Trust Score is 63/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Satyamicrocapital?
The ultimate holding entity is Gojo & Company, Inc. 11 active director(s) are on record.
Does Satyamicrocapital have loans or charges against its assets?
114 open charge(s) are registered against its assets, and 278 earlier charge(s) stand satisfied.
Is Satyamicrocapital up to date with its ROC filings?
Balance sheet slightly behind (Mar 2024). Overall compliance score: 34/100 (Caution Indicated).
Is it risky to lend to Satyamicrocapital?
Its Credit Risk Score is 30/100 (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.
