Smart Pay Card Pvt Ltd - Due diligence report

A 360° intelligence report on Smart Pay Card Pvt Ltd: trust score, financial health, credit view, compliance, directors, growth and distress…

1997-09-15 Kolkata, West Bengal Active Unlisted Active Non-Compliant
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SP Smart Pay Card Pvt Ltd
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Smart Pay Card Pvt Ltd — 360° Intelligence Report

Generated from MCA filings & public records
70/100
Trust Score
Moderate

Smart Pay Card Pvt Ltd is assessed as Moderate with a Trust Score of 70/100. Smart Pay Card Pvt Ltd is an active private limited indian non-government company incorporated in 1997, operating in the Trading sector. Processed financial statements are not yet available for trend analysis. Based on MCA filings and public records, it currently shows a moderate compliance risk and low financial risk profile.

Report generated on 20 Jul 2026 from the latest processed filings. Smart Pay Card Pvt Ltd snapshot & full profile →

Financial Health › Strong
Overall Assessment CautionWeakNeutralGoodStrong Strong
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
70/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
55/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
80/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
60/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreModerate
55/100
Board strength, DIN status, churn and network.
Growth ScoreNo Data
N/A
Needs at least two filed years to measure growth.
Distress ScoreLow Risk
80/100
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.

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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: 60/100 Moderate
  • Negative operating earnings - debt service depends on external support.
  • No open charges - unencumbered balance sheet.
  • Working-capital cover adequate.
  • Profitable - internal accruals available.

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

Compliance Score: 55/100 Moderate
  • Company status is Active as per MCA.
  • Marked ACTIVE non-compliant (INC-22A).
  • Last balance sheet is for Mar 2014 - filings overdue.
05

Director Intelligence

Stability score: 55/100
NameDIN / PANDesignationAppointedTenureDIN status
SHANKAR LAL 01234567 Director 01/04/2018 6 yrs Approved
SURYA PRAKASH SARDA 01234567 Director 01/04/2018 6 yrs Approved
  • 2 directors on the board.
  • SHANKAR LAL has DIN status "Disqualified by RoC u/s 164(2)".
  • 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
3 allotment(s) · 0 transfer(s)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth N/A · Distress 80
Growth signals & trust indicators
Operating for 28+ years.
Distress signals & risk flags
Statutory filings appear overdue.
Compliance score is weak (55/100).
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence67/100
Review suggested
Suitability as a supplier / customer counterparty.
  • Check the compliance flags before onboarding.
  • 1 distress signal(s) - see Risk Center.
  • 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.
  • No existing security registered - first-charge position available.
  • Compliance gaps should be priced into terms.
Investor view46/100
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 churn warrants questions.
09

MCA Filings & Events Timeline

Latest 15 events
01 Jul 2016
Director ceased
SUSHIL KUMAR JAIN
Director ceased
DILIP SINGH
Director ceased
AJAY KUMAR JAJOO
08 Jun 2016
Director ceased
ANIL KUMAR PERIWAL
07 Jun 2016
Director appointed
SHANKAR LAL (Director)
Director appointed
SURYA PRAKASH SARDA (Director)
10 May 2016
Director ceased
SHANKAR LAL
Director ceased
SURYA PRAKASH SARDA
Director ceased
TUSHAR SHARMA
30 Sep 2014
Last AGM held
Annual general meeting
31 Mar 2014
Latest balance sheet
Filed with ROC
31 Mar 2009
Securities allotted
104525.00 Equity Shares - 2.09 cr raised
31 Mar 2008
Securities allotted
200100.00 Equity Shares - 38.19 Lakh raised
31 Mar 2007
Securities allotted
51795.00 Equity Shares - 18.18 Lakh raised
15 Sep 1997
Incorporated
Registered with Roc Kolkata
10

Key Observations

Auto-generated from the data above
2 active director(s) / partner(s); review board churn before relying on management continuity.
Capital has been raised through 3 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
M.S. Chowdhury Jewellers Private Limited U36911WB2011PTC170528 Kolkata, West Bengal, India
Global Infinite Technologies Private Limited U72900RJ2013PTC043206 Jodhpur, Rajasthan, India
Gemus Agents Private Limited U52110WB2004PTC081298 Kolkata, West Bengal, India
Peridot Jewelleries Private Limited U74999MH2014PTC255035 Mumbai, Maharashtra, India
Fine Marble And Minerals Pvt Ltd U14101RJ1980PTC002007 Makrana, Rajasthan, India
Rapid Electrotech Private Limited U31909RJ2008PTC026296 Kota, Rajasthan, India
Cnl Enterprises Pvt Ltd U50500DL2005PTC141346 Delhi, Delhi, India
Sark Developers India Private Limited U70109DL2013PTC260680 New Delhi, Delhi, India
12

Who Uses This Report

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

Verify Smart Pay Card Pvt Ltd before audits and certifications: compliance score 55/100, 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 Pay Card Pvt Ltd: 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 60/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Mixed indicators. Growth score n/a, margin trends, ownership structure and peer set for Smart Pay Card Pvt Ltd - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Review suggested. Trust score 70/100, distress signals and MSME payment-delay disclosures - know whether Smart Pay Card Pvt Ltd 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 Pay Card Pvt Ltd - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Smart Pay Card Pvt Ltd an active company?

Smart Pay Card Pvt Ltd has MCA status “Active” with a compliance score of 55/100 (Moderate).

Is Smart Pay Card Pvt Ltd financially healthy?

Smart Pay Card Pvt Ltd has a Financial Health Score of 80/100 (Low Risk) based on its filed financial statements.

Should I do business with Smart Pay Card Pvt Ltd?

Its overall Trust Score is 70/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Smart Pay Card Pvt Ltd?

See the directors and ownership sections above for board and shareholding detail. 2 active director(s) are on record.

Does Smart Pay Card Pvt Ltd have loans or charges against its assets?

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

Is Smart Pay Card Pvt Ltd up to date with its ROC filings?

Marked ACTIVE non-compliant (INC-22A). Overall compliance score: 55/100 (Moderate).

Is it risky to lend to Smart Pay Card Pvt Ltd?

Its Credit Risk Score is 60/100 (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.