Shiv Krishna Microfinance Association - Due diligence report

A 360° intelligence report on Shiv Krishna Microfinance Association: trust score, financial health, credit view, compliance, directors, grow…

2017-06-08 Jaipur, Rajasthan Active Unlisted Active Compliant
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SK Shiv Krishna Microfinance Association
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Shiv Krishna Microfinance Association — 360° Intelligence Report

Generated from MCA filings & public records
74/100
Trust Score
Moderate

Shiv Krishna Microfinance Association is assessed as Moderate with a Trust Score of 74/100. Shiv Krishna Microfinance Association is an active private not for profit company incorporated in 2017, operating in the Financial Services sector. 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 17 Jul 2026 from the latest processed filings. Shiv Krishna Microfinance Association 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 ScoreModerate
74/100
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 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 ScoreModerate
65/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
70/100
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 access

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.
  • No open charges - unencumbered balance sheet.
  • Working-capital cover adequate.

Charges position: 0 open (-) · 0 satisfied (-).

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
DEEPAK KUMAR 01234567 Director 01/04/2018 6 yrs Approved
NIRANJAN SINGH 01234567 Director 01/04/2018 6 yrs Approved
  • 2 directors on the board.
  • No disqualified or deactivated DINs.
  • Stable board - no exits in 3 years.
06

Ownership & Group Intelligence

As per FY 2022 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 65 · Distress 70
Growth signals & trust indicators
Latest year revenue grew 1.42.
Asset base grew 2.1x - capacity expansion.
Operating for 9 years.
Active GST registration(s).
Distress signals & risk flags
Negative net worth.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence83/100
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 assessment56/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
  • Debt capacity assessed from filed statements.
  • No existing security registered - first-charge position available.
  • Compliance record supports lending.
Investor view55/100
Mixed indicators
Growth quality and scalability through an investor lens.
  • 2 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 9 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
19 Sep 2023
Director appointed
NIRANJAN SINGH (Director)
09 Apr 2021
Director ceased
MONIKA AGRAWAL
06 Apr 2021
Director appointed
DEEPAK KUMAR (Director)
Director ceased
KRISHAN MURARI AGRAWAL
20 Feb 2019
Director ceased
SARVJEET SINGH
16 Feb 2019
Director ceased
PAVNESH KUMAR SHARMA
08 Jun 2017
Incorporated
Registered with Roc Jaipur
10

Key Observations

Auto-generated from the data above
Compliance record is strong - status, filings and flags are clean.
2 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 2022 annual return.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Aham Fintech Services Private Limited U74140TN2020PTC136681 Chennai, Tamil Nadu, India
Nisha Hire Purchase U65921WB1985PTC137902 Kolkata, West Bengal, India
Shogun Vinimay Private Limited U51109WB2005PTC106010 Kolkata, West Bengal, India
Srinathji Commercials Pvt Ltd U51909WB1991PTC051912 Kolkata, West Bengal, India
Gesture Securities Private Limited U67120MH1995PTC086680 Mumbai, Maharashtra, India
Pranusha Finance Private Limited U74899DL1995PTC073610 Delhi, Delhi, India
Aerwyna Projects And Services Private Limited U45201TG2017PTC115601 Hyderabad, Telangana, India
Informative Buildtech Private Limited U68100DL1995PTC067188 Delhi, Delhi, India
12

Who Uses This Report

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

Verify Shiv Krishna Microfinance Association 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 Shiv Krishna Microfinance Association: 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: Mixed indicators. Growth score 65/100, margin trends, ownership structure and peer set for Shiv Krishna Microfinance Association - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 74/100, distress signals and MSME payment-delay disclosures - know whether Shiv Krishna Microfinance Association 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 Shiv Krishna Microfinance Association - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Shiv Krishna Microfinance Association an active company?

Shiv Krishna Microfinance Association has MCA status “Active” with a compliance score of 100/100 (Low Risk).

Is Shiv Krishna Microfinance Association financially healthy?

Shiv Krishna Microfinance Association has a Financial Health Score of 30/100 (Caution Indicated) based on its filed financial statements.

Should I do business with Shiv Krishna Microfinance Association?

Its overall Trust Score is 74/100 (Moderate). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Shiv Krishna Microfinance Association?

Promoters hold a dominant controlling stake - exact percentages are in the full report. 2 active director(s) are on record.

Does Shiv Krishna Microfinance Association have loans or charges against its assets?

No charges are registered against this company - an unencumbered balance sheet.

Is Shiv Krishna Microfinance Association 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 Shiv Krishna Microfinance Association?

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.