Slice Small Finance Bank Limited - Due diligence report

A 360° intelligence report on North East Small Finance Bank: trust score, financial health, credit view, compliance, directors, growth and d…

2016-07-25 Gmc, Assam Active Unlisted Active Compliant
Share
Connect MCP
SS Slice Small Finance Bank Limited
Full Due-Diligence Report + Documents
  • Unlock all financial figures & 5-year trends
  • Full trust, health & credit-risk scores
  • Director details, charges & MCA documents
₹700 ₹449 Save ₹251 excl. GST
Or from ₹279/report with credits View credit packages
Company Credits – Starter
  • One credit unlocks this full due-diligence report
  • Use across any company’s report, anytime
  • Credits valid for 12 months
× ₹700 ₹279 = ₹2,790 60% off
Choose your own credit amount View credit packages

North East Small Finance Bank — 360° Intelligence Report

Generated from MCA filings & public records
56/100
Trust Score
Moderate

North East Small Finance Bank is assessed as Moderate with a Trust Score of 56/100. North East Small Finance Bank is an active public limited indian non-government company incorporated in 2016, operating in the Internet sector. Reported revenue has declined 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 high financial risk profile.

Report generated on 14 Aug 2026 from the latest processed filings. Slice Small Finance Bank Limited snapshot & full profile →

Financial Health › Weak
Overall Assessment CautionWeakNeutralGoodStrong Good
Compliance › Good

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
56/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
56/100
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 ScoreCaution Indicated
30/100
Board strength, DIN status, churn and network.
Growth ScoreCaution Indicated
45/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
65/100
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: 40/100 Caution Indicated
  • Negative operating earnings - debt service depends on external support.

Charges position: 12 open (848.22 cr) · 70 satisfied (2,867.76 cr).

Banking relationships (from registered charges)
LenderChargesAmount
Others71 48.0 cr
State Bank Of India2 48.0 cr
Axis Bank Limited1 48.0 cr
The South Indian Bank Limited3 48.0 cr
Sidbi1 48.0 cr
Hdfc Bank Limited2 48.0 cr
Compliance Score: 56/100 Moderate
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • Flagged by authority: RBI.
  • Litigation present in 2 court forum(s).
  • 10 active GST registration(s).
Legal cases on record (2)
05

Director Intelligence

Stability score: 30/100
NameDIN / PANDesignationAppointedTenureDIN status
RAJAN BAJAJ 01234567 Director 01/04/2018 6 yrs Approved
EUGENE EMMANUEL KARTHAK 01234567 Director 01/04/2018 6 yrs Approved
TAPAN KUMAR HAZARIKA 01234567 Director 01/04/2018 6 yrs Approved
RAM KRISHNA GARG 01234567 Director 01/04/2018 6 yrs Approved
Satish Kumar Kalra 01234567 Director 01/04/2018 6 yrs Approved
Shrimohan Yadav 01234567 Director 01/04/2018 6 yrs Approved
ASHISH BHUPENDRA FAFADIA 01234567 Director 01/04/2018 6 yrs Approved
SATISH KUMAR KALRA 01234567 Director 01/04/2018 6 yrs Approved
NIKHIL SACHDEV 01234567 Director 01/04/2018 6 yrs Approved
KOODATHUMURIYIL VERGHESE EAPEN 01234567 Director 01/04/2018 6 yrs Approved
Naresh Jain 01234567 Director 01/04/2018 6 yrs Approved
Shefaly Rai 01234567 Director 01/04/2018 6 yrs Approved
  • 12 directors on the board.
  • RAM KRISHNA GARG has DIN status "Deactivated due to non-filing of DIR-3 KYC".
  • 7 director exits in 3 years - high churn.
Director & KMP remuneration (FY 2023)
NameDesignationTotal remuneration
A K SharmaManaging Director2.4 cr
R MehtaWhole-time Director1.6 cr
S IyerCFO95.0 L

Remuneration is disclosed in the latest annual return. Unlock full report

06

Ownership & Group Intelligence

As per FY 2023 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
Rgvn (north East) Microfinance Limited
Subsidiaries
-
Group entities
-
Capital events
17 allotment(s) · 0 transfer(s)

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

Group entityRelationship% held
Rgvn (north East) Microfinance Limited Holding Company 74.00%

Key managerial personnel: RAJAN BAJAJ (Whole-time director) · Satish Kumar Kalra (CEO) · SATISH KUMAR KALRA (CEO)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 45 · Distress 65
Growth signals & trust indicators
EPFO headcount growing - hiring signal.
Operating for 10+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
3 director exits within 2 years.
Compliance score is weak (56/100).
12 open charge(s) registered - assets are encumbered.
2 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence59/100
Review suggested
Suitability as a supplier / customer counterparty.
  • Check the compliance flags before onboarding.
  • 2 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.
  • 12 open charge(s) of 848.22 cr already registered.
  • Compliance gaps should be priced into terms.
Investor view46/100
Mixed indicators
Growth quality and scalability through an investor lens.
  • 1 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management churn warrants questions.
09

MCA Filings & Events Timeline

Latest 15 events
12 Feb 2026
Charge satisfied
Others
11 Feb 2026
Charge satisfied
Others
13 Jan 2026
Charge satisfied
Others
05 Jan 2026
Charge satisfied
Others
29 Dec 2025
Charge satisfied
Others
19 Dec 2025
Charge satisfied
Others
11 Dec 2025
Charge satisfied
Others
10 Dec 2025
Charge satisfied
Others
09 Dec 2025
Charge satisfied
Others
29 Sep 2025
Last AGM held
Annual general meeting
25 Jun 2025
Charge satisfied
Others
28 May 2025
Charge satisfied
Others
27 May 2025
Charge satisfied
Others
21 May 2025
Charge satisfied
Others
08 May 2025
Director appointed
EUGENE EMMANUEL KARTHAK (Additional Director)
10

Key Observations

Auto-generated from the data above
Revenue declined 38% over the last 4 financial year(s).
12 active director(s) / partner(s); review board churn before relying on management continuity.
10 active GST registration(s) indicate ongoing business operations.
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 17 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
Peer companies will appear here as our matching engine processes this industry.
12

Who Uses This Report

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

Verify North East Small Finance Bank before audits and certifications: compliance score 56/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of North East Small Finance Bank: 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 40/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Mixed indicators. Growth score 45/100, margin trends, ownership structure and peer set for North East Small Finance Bank - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Review suggested. Trust score 56/100, distress signals and MSME payment-delay disclosures - know whether North East Small Finance Bank 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 North East Small Finance Bank - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is North East Small Finance Bank an active company?

North East Small Finance Bank has MCA status “Active” with a compliance score of 56/100 (Moderate).

Is North East Small Finance Bank financially healthy?

North East Small Finance Bank has a Financial Health Score of 40/100 (Caution Indicated) based on its filed financial statements.

Should I do business with North East Small Finance Bank?

Its overall Trust Score is 56/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls North East Small Finance Bank?

The ultimate holding entity is Rgvn (north East) Microfinance Limited. 12 active director(s) are on record.

Does North East Small Finance Bank have loans or charges against its assets?

12 open charge(s) are registered against its assets, and 70 earlier charge(s) stand satisfied.

Is North East Small Finance Bank up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 56/100 (Moderate).

Is it risky to lend to North East Small Finance Bank?

Its Credit Risk Score is 40/100 (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.