Smart Leasing Limited - Due diligence report

A 360° intelligence report on Smart Leasing Limited: trust score, financial health, credit view, compliance, directors, growth and distress …

1989-08-16 New Delhi, Delhi Active Unlisted Active Compliant
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SL Smart Leasing Limited
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Smart Leasing Limited — 360° Intelligence Report

Generated from MCA filings & public records
76/100
Trust Score
Low Risk

Smart Leasing Limited is assessed as Low Risk with a Trust Score of 76/100. Smart Leasing Limited is an active public limited indian non-government company incorporated in 1989, operating in the Financial Services sector. Reported revenue has declined across its recent filed years. 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. Smart Leasing Limited 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
76/100
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
35/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
45/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreCaution Indicated
40/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
60/100
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.

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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: 45/100 Caution Indicated
  • Liabilities ≈ 38% EBITDA - stretched.
  • No open charges - unencumbered balance sheet.

Charges position: 0 open (-) · 1 satisfied (6.85 cr).

Banking relationships (from registered charges)
LenderChargesAmount
State Bank Of Bikaner And Jaipur1 48.0 cr
Compliance Score: 100/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
SAHIL GULATI 01234567 Director 01/04/2018 6 yrs Approved
SAHIB GULATI 01234567 Director 01/04/2018 6 yrs Approved
KAILASH CHANDER 01234567 Director 01/04/2018 6 yrs Approved
  • 3 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 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
4
Capital events
0 allotment(s) · 2 transfer(s)

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

Group entityRelationship% held
Mate Marketing And Impex Private Limited Associate Company 74.00%
Sara Agriculture Private Limited Associate Company 74.00%
Ellbee Associates Private Limited Associate Company 74.00%
Mandakini Travel And Tours Private Limited Associate Company 74.00%

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 40 · Distress 60
Growth signals & trust indicators
Operating for 36+ years.
Distress signals & risk flags
Revenue declined year-on-year.
Losses deepening year-on-year.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence81/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • 2 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 view47/100
Mixed indicators
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 12 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
11 Oct 2021
Director ceased
SANJAY KANSAL
05 Jan 2020
Director appointed
SAHIB GULATI (Director)
28 Nov 2019
Director appointed
SAHIL GULATI (Director)
Director ceased
VIKAS KAPOOR
31 Mar 2019
Share transfer (FY 2019)
5000.00000000 shares to SUNIL GULATI
Share transfer (FY 2019)
500.00000000 shares to SUNIL GULATI
14 Mar 2018
Charge satisfied
State Bank Of Bikaner And Jaipur
25 Oct 2013
Charge created
State Bank Of Bikaner And Jaipur - 6.85 cr
28 Jul 1994
Director appointed
KAILASH CHANDER (Director)
16 Aug 1989
Incorporated
Registered with Roc Delhi
10

Key Observations

Auto-generated from the data above
Revenue declined 1.42 over the last 4 financial year(s).
Net profit margin moved from 2.1x to 24%.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
3 active director(s) / partner(s); board looks stable and experienced.
All 1 registered charge(s) stand satisfied - past borrowings repaid.
Promoters hold a dominant controlling stake as per the FY 2022 annual return.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Sarvodaya Agencies Private Limited U51109WB2005PTC102195 Kolkata, West Bengal, India
B K Bansal Services Private Limited U74140AS2000PTC006060 Assam, Assam, India
Climax Waterproofing Products Private Limited U24231GJ1984PTC006892 Vadodara, Gujarat, India
Subhlakshmi Infracon Private Limited U45400WB2009PTC136927 Kolkata, West Bengal, India
Vivek Agro Industries Private Limited U15422WB1981PTC033718 Kolkata, West Bengal, India
The Chaldean Syrian Kuries Pvt Ltd U65992KL1975PTC002697 Thrissur, Kerala, India
Roseberry Tie-Up Private Limited U51909WB2009PTC131836 Kolkata, West Bengal, India
Meridian Finance Pvt Ltd U65923GJ1994PTC023932 Ahmedabad, Gujarat, India
12

Who Uses This Report

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

Verify Smart Leasing Limited 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 Smart Leasing Limited: 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: Mixed indicators. Growth score 40/100, margin trends, ownership structure and peer set for Smart Leasing Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 76/100, distress signals and MSME payment-delay disclosures - know whether Smart Leasing Limited 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 Smart Leasing Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Smart Leasing Limited an active company?

Smart Leasing Limited has MCA status “Active” with a compliance score of 100/100 (Low Risk).

Is Smart Leasing Limited financially healthy?

Smart Leasing Limited has a Financial Health Score of 35/100 (Caution Indicated) based on its filed financial statements.

Should I do business with Smart Leasing Limited?

Its overall Trust Score is 76/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Smart Leasing Limited?

Promoters hold a dominant controlling stake - exact percentages are in the full report. 3 active director(s) are on record.

Does Smart Leasing Limited have loans or charges against its assets?

No open charges - all 1 registered charge(s) stand satisfied, indicating past borrowings were repaid.

Is Smart Leasing Limited 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 Smart Leasing Limited?

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.