Sky Microfinance - Due diligence report

A 360° intelligence report on Sky Microfinance: trust score, financial health, credit view, compliance, directors, growth and distress signa…

2015-09-23 Jaipur, Rajasthan Active Unlisted Active Compliant
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Sky Microfinance — 360° Intelligence Report

Generated from MCA filings & public records
78/100
Trust Score
Low Risk

Sky Microfinance is assessed as Low Risk with a Trust Score of 78/100. Sky Microfinance is an active private not for profit company incorporated in 2015, operating in the Financial Services sector. Processed financial statements are not yet available for trend analysis. Based on MCA filings and public records, it currently shows a low compliance risk and high financial risk profile.

Report generated on 12 Oct 2026 from the latest processed filings. Sky Microfinance 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
78/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
88/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
40/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
40/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreNo Data
N/A
Needs at least two filed years to measure growth.
Distress ScoreLow Risk
90/100
Early-warning signals - higher means fewer warnings.
03

Financial Intelligence Dashboard

Standalone · 1 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: 40/100 Caution Indicated
  • Liabilities ≈ 38% EBITDA - stretched.
  • No open charges - unencumbered balance sheet.
  • Elevated gearing (D/E 1.42).
  • Working-capital cover adequate.

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

Compliance Score: 88/100 Low Risk
  • Company status is Active as per MCA.
  • Balance sheet slightly behind (Mar 2025).
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
KANISHK POONIA 01234567 Director 01/04/2018 6 yrs Approved
YOGESH KUMAR DUA 01234567 Director 01/04/2018 6 yrs Approved
SUDHIR GHOGHIA 01234567 Director 01/04/2018 6 yrs Approved
VIKAS SACHDEVA 01234567 Director 01/04/2018 6 yrs Approved
  • 4 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 2017 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 N/A · Distress 90
Growth signals & trust indicators
Operating for 11+ years.
Distress signals & risk flags
No critical warning flags detected in the available data.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence86/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • No distress signals on file.
  • Financial filings available for verification.
Banker assessment52/100
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 view34/100
Limited indicators at present
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 9 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
30 Nov 2021
Director ceased
KANISHK POONIA
29 Sep 2021
Director appointed
KANISHK POONIA (Director)
24 Mar 2018
Director ceased
KAMAL KISHORE PAREEK
23 Sep 2015
Incorporated
Registered with Roc Jaipur
Director appointed
YOGESH KUMAR DUA (Director)
Director appointed
SUDHIR GHOGHIA (Director)
Director appointed
VIKAS SACHDEVA (Director)
10

Key Observations

Auto-generated from the data above
Compliance record is strong - status, filings and flags are clean.
4 active director(s) / partner(s); board looks stable and experienced.
Promoters hold a dominant controlling stake as per the FY 2017 annual return.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Hariyali Fresh Agtech Private Limited U47212RJ2023PTC091364 Jaipur, Rajasthan
Nilay Tradelinks Private Limited U74994RJ2005PTC021740 Jaipur, Rajasthan
Sara Design Studios Private Limited U72900RJ2013PTC043758 Jaipur, Rajasthan
Shine Jewel Private Limited U36911RJ2009PTC028340 Jaipur, Rajasthan
Shree Salasar Tobacco Agency LLP ABZ-6509 Jaipur, Rajasthan
Ssaga Suite Private Limited U55209RJ2022PTC080041 Jaipur, Rajasthan
Saket Institute Of Medical Science Private Limited U85190RJ2022PTC080366 Jaipur, Rajasthan
Zenzvibe Private Limited U47820RJ2024PTC093971 Jaipur, Rajasthan
Siddhi Solar Energy Private Limited U74999RJ2018PTC063101 Jaipur, Rajasthan
Aroras Designs Private Limited U14101RJ2023PTC087627 Jaipur, Rajasthan
12

Who Uses This Report

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

Verify Sky Microfinance before audits and certifications: compliance score 88/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Sky Microfinance: 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 40/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Limited indicators at present. Growth score n/a, margin trends, ownership structure and peer set for Sky Microfinance - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 78/100, distress signals and MSME payment-delay disclosures - know whether Sky Microfinance 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 Sky Microfinance - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Sky Microfinance an active company?

Sky Microfinance has MCA status “Active” with a compliance score of 88/100 (Low Risk).

Is Sky Microfinance financially healthy?

Sky Microfinance has a Financial Health Score of 40/100 (Caution Indicated) based on its filed financial statements.

Should I do business with Sky Microfinance?

Its overall Trust Score is 78/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Sky Microfinance?

Promoters hold a dominant controlling stake - exact percentages are in the full report. 4 active director(s) are on record.

Does Sky Microfinance have loans or charges against its assets?

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

Is Sky Microfinance up to date with its ROC filings?

Balance sheet slightly behind (Mar 2025). Overall compliance score: 88/100 (Low Risk).

Is it risky to lend to Sky Microfinance?

Its Credit Risk Score is 40/100 (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.