Promoter holding
64.27%
SF
Sbfc Finance Limited - Due diligence report
A 360° intelligence report on Sbfc: trust score, financial health, credit view, compliance, directors, growth and distress signals - generat…
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Sbfc — 360° Intelligence Report
Generated from MCA filings & public records77/100
Trust Score
Low Risk
Sbfc is assessed as Low Risk with a Trust Score of 77/100. Sbfc is an active public limited indian non-government company incorporated in 2008, 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 low compliance risk and low financial risk profile.
Report generated on 16 Jul 2026 from the latest processed filings. Sbfc Finance 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 ScoreLow Risk
77/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
76/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
85/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
45/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreCaution Indicated
30/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
95/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
90/100
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: 45/100 Caution Indicated
- Liabilities ≈ 38% EBITDA - stretched.
- Open charges exceed net worth - secured lenders rank ahead.
- Profitable - internal accruals available.
- Externally credit-rated (A).
Charges position: 6 open (13,700.00 cr) · 22 satisfied (1,775.77 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Others | 12 | 48.0 cr |
| Sbicap Trustee Company Limited | 6 | 48.0 cr |
| Idbi Trusteeship Services Limited | 6 | 48.0 cr |
| Sidbi | 2 | 48.0 cr |
| Hdfc Bank Limited | 1 | 48.0 cr |
| Axis Bank Limited | 1 | 48.0 cr |
Compliance Score: 76/100 Low Risk
- Company status is Active as per MCA.
- Annual filings current (balance sheet Mar 2025).
- Litigation present in 2 court forum(s).
- 2 auditor resignation(s) filed - latest: DELOITTE HASKINS & SELLS LLP on 2021-08-26.
- 15 active GST registration(s).
Legal cases on record (2)
05
Director Intelligence
Stability score: 30/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| KONI UTTAM NAYAK | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| RAVI VENKATRAMAN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| JONATHAN TADEUSZ TATUR | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| JOHN MESCALL | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| ASEEM DHRU | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| MAHESH KANYALAL DAYANI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| NARAYAN BARASIA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SUREKHA MARANDI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| NEERAJ SWAROOP | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Leroy James Langeveld | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 10 directors on the board.
- KONI UTTAM NAYAK has DIN status "Deactivated due to non-filing of DIR-3 KYC".
- 4 director exits in 3 years - high churn.
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
Sbfc Holdings Pte. Ltd.
Subsidiaries
1
Group entities
1
Capital events
0 allotment(s) · 11 transfer(s)
Promoters hold a dominant controlling stake - exact percentages are part of the full report.
| Group entity | Relationship | % held |
|---|---|---|
| Sbfc Home Finance Private Limited | Subsidiary Company | 74.00% |
| Sbfc Holdings Pte. Ltd. | Holding Company | 74.00% |
Key managerial personnel: ASEEM DHRU (Managing Director) · MAHESH KANYALAL DAYANI (Whole-time director) · NARAYAN BARASIA (CFO)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 95 · Distress 90
Growth signals & trust indicators
Revenue acceleration: +1.42 over 4 year(s).
Latest year revenue grew 2.1x.
Profit expanded 24% year-on-year.
Asset base grew 0.86 - capacity expansion.
Net margin improved to 61%.
EPFO headcount growing - hiring signal.
Operating for 18+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
6 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 diligence80/100
Favourable indicators
Suitability as a supplier / customer counterparty.
- Statutory record is clean.
- No distress signals on file.
- Financial filings available for verification.
Banker assessment65/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 6 open charge(s) of 13,700.00 cr already registered.
- Compliance record supports lending.
Investor view87/100
Positive growth indicators
Growth quality and scalability through an investor lens.
- 6 growth signal(s) detected.
- Margin and return trends computable from filings.
- Management churn warrants questions.
09
MCA Filings & Events Timeline
Latest 15 events13 Oct 2025
Charge satisfied
Sbicap Trustee Company Limited
18 Aug 2025
Charge created
Sbicap Trustee Company Limited - 200.00 cr
14 Jul 2025
Last AGM held
Annual general meeting
13 Jul 2025
Director ceased
Leroy James Langeveld
26 Apr 2025
Director appointed
Leroy James Langeveld (Nominee Director)
06 Apr 2025
Director ceased
MAHESH KANYALAL DAYANI
31 Mar 2025
Latest balance sheet
Filed with ROC
28 Feb 2025
Director appointed
MAHESH KANYALAL DAYANI (Whole-time director)
21 Jan 2025
Charge created
Sbicap Trustee Company Limited - 400.00 cr
06 Sep 2024
Charge satisfied
Idbi Trusteeship Services Limited
15 Jul 2024
Charge created
Sbicap Trustee Company Limited - 200.00 cr
18 May 2024
Director ceased
KONI UTTAM NAYAK
Director ceased
RAVI VENKATRAMAN
10 May 2024
Charge created
Sbicap Trustee Company Limited - 500.00 cr
26 Mar 2024
Director appointed
KONI UTTAM NAYAK (Director)
10
Key Observations
Auto-generated from the data aboveRevenue grew 38% over the last 4 financial year(s).
Net profit margin moved from 1.42 to 2.1x.
Debt-to-equity stands at 24% - leverage worth monitoring.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
10 active director(s) / partner(s); review board churn before relying on management continuity.
15 active GST registration(s) indicate ongoing business operations.
Operates a group structure with 1 subsidiary(ies) - assess on a consolidated basis.
Carries an external credit rating of A from Indiarating.
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.
| Company | CIN | Location |
|---|---|---|
| Oxyzo | U65929DL2016PLC306174 | New Delhi, Delhi, India |
| Kosamattam Finance | U65929KL1987PLC004729 | Kottayam, Kerala, India |
| Iifl Wealth | L74140MH2008PLC177884 | Mumbai, Maharashtra, India |
| Bssmfi | U66190KA1994PLC049746 | Bangalore, Karnataka, India |
| Magmahfc | U65922PN2004PLC208751 | Pune City, Maharashtra, India |
| Ags | L72200MH2002PLC138213 | Mumbai, Maharashtra, India |
| Veritas Finance | U65923TN2015PLC100328 | Chennai City Corporation, Tamil Nadu, India |
| Home First | L65990MH2010PLC240703 | Mumbai, Maharashtra, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Sbfc before audits and certifications: compliance score 76/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Sbfc: 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 45/100, 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 Sbfc - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Favourable indicators. Trust score 77/100, distress signals and MSME payment-delay disclosures - know whether Sbfc 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 Sbfc - groundwork for KYC, onboarding and disputes.
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Frequently Asked Questions
Is Sbfc an active company?
Sbfc has MCA status “Active” with a compliance score of 76/100 (Low Risk).
Is Sbfc financially healthy?
Sbfc has a Financial Health Score of 85/100 (Low Risk) based on its filed financial statements.
Should I do business with Sbfc?
Its overall Trust Score is 77/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Sbfc?
The ultimate holding entity is Sbfc Holdings Pte. Ltd.. 10 active director(s) are on record.
Does Sbfc have loans or charges against its assets?
6 open charge(s) are registered against its assets, and 22 earlier charge(s) stand satisfied.
Is Sbfc up to date with its ROC filings?
Annual filings current (balance sheet Mar 2025). Overall compliance score: 76/100 (Low Risk).
Is it risky to lend to Sbfc?
Its Credit Risk Score is 45/100 (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.
