Smita Financial Services Private Limited - Due diligence report

A 360° intelligence report on Smita Financial Services Private Limited: trust score, financial health, credit view, compliance, directors, g…

1987-10-09 Kolkata, West Bengal Active Unlisted Active Compliant
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Smita Financial Services Private Limited — 360° Intelligence Report

Generated from MCA filings & public records
63/100
Trust Score
Moderate

Smita Financial Services Private Limited is assessed as Moderate with a Trust Score of 63/100. Smita Financial Services Private Limited is an active private limited indian non-government company incorporated in 1987, operating in the Financial Services sector. The company has shown revenue growth 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 moderate compliance risk and high financial risk profile.

Report generated on 04 Jul 2026 from the latest processed filings. Smita Financial Services Private 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
63/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
58/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
40/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
55/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
70/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
50/100
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: 55/100 Moderate
  • Negative operating earnings - debt service depends on external support.
  • No open charges - unencumbered balance sheet.
  • Moderate gearing (D/E 38%).

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

Compliance Score: 58/100 Moderate
  • Company status is Active as per MCA.
  • Balance sheet slightly behind (Mar 2024).
  • Flagged by authority: FIU.
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
SUCHISMITA SAHOO 01234567 Director 01/04/2018 6 yrs Approved
MAHENDRANATH SAHOO 01234567 Director 01/04/2018 6 yrs Approved
SNEHA PRAVA SAHOO 01234567 Director 01/04/2018 6 yrs Approved
SOUMYA SMITA SAHOO 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.
Director & KMP remuneration (FY 2017)
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 2020 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
2 allotment(s) · 0 transfer(s)

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

Key managerial personnel: MAHENDRANATH SAHOO (Managing Director)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 70 · Distress 50
Growth signals & trust indicators
Revenue acceleration: +1.42 over 4 year(s).
Operating for 38+ years.
Distress signals & risk flags
Revenue declined year-on-year.
Losses deepening year-on-year.
Outside liabilities up 2.1x in a year.
Compliance score is weak (58/100).
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence57/100
Review suggested
Suitability as a supplier / customer counterparty.
  • Check the compliance flags before onboarding.
  • 3 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment51/100
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 view58/100
Mixed indicators
Growth quality and scalability through an investor lens.
  • 1 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 11 events
30 Sep 2024
Last AGM held
Annual general meeting
31 Mar 2024
Latest balance sheet
Filed with ROC
01 Aug 2015
Director ceased
TAPAN KUMAR MOHANTY
30 Sep 2010
Director ceased
SUCHISMITA SAHOO
24 Mar 2010
Securities allotted
30000.00 Equity Shares - 30.00 Lakh raised
Director appointed
SUCHISMITA SAHOO (Director)
31 Mar 2009
Securities allotted
43000 Equity Shares Without Differential Rights - 43.00 Lakh raised
01 Jul 2004
Director appointed
MAHENDRANATH SAHOO (Managing Director)
Director appointed
SOUMYA SMITA SAHOO (Director)
31 Dec 2003
Director appointed
SNEHA PRAVA SAHOO (Director)
09 Oct 1987
Incorporated
Registered with Roc Kolkata Ii
10

Key Observations

Auto-generated from the data above
Revenue grew 24% over the last 4 financial year(s).
Net profit margin moved from 0.86 to 61%.
Debt-to-equity stands at 38% - manageable leverage.
Net worth is positive.
4 active director(s) / partner(s); board looks stable and experienced.
Promoters hold a dominant controlling stake as per the FY 2020 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 2 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Attree Hire-Purchase And Leasing Company Private Limited U65921DL1998PTC097595 New Delhi, Delhi, India
Anil Risk & Credit Consultants Private Limited U93030UP2013PTC056330 Agra, Uttar Pradesh, India
Core Resource Finance Ltd U67120WB1992PLC055598 Kolkata, West Bengal, India
Microbe Banking Solutions Limited U74990BR2009PLC014769 Patna, Bihar, India
Gandharva Financial Services Private Limited U65910TG1995PTC120255 Hyderabad, Telangana, India
Ess Aar Finex Ltd U65910DL1996PLC081460 New Delhi, Delhi, India
Sivagami Holdings Private Limited U65993TN1998PTC040960 Pb No.2730 Chennai-2, Tamil Nadu, India
Vaishali Motor Finance Limited U65921UP1983PLC006072 Uttar Pradesh, Uttar Pradesh, India
12

Who Uses This Report

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

Verify Smita Financial Services Private Limited before audits and certifications: compliance score 58/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Smita Financial Services Private 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 55/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Mixed indicators. Growth score 70/100, margin trends, ownership structure and peer set for Smita Financial Services Private Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Review suggested. Trust score 63/100, distress signals and MSME payment-delay disclosures - know whether Smita Financial Services Private 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 Smita Financial Services Private Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Smita Financial Services Private Limited an active company?

Smita Financial Services Private Limited has MCA status “Active” with a compliance score of 58/100 (Moderate).

Is Smita Financial Services Private Limited financially healthy?

Smita Financial Services Private Limited has a Financial Health Score of 40/100 (Caution Indicated) based on its filed financial statements.

Should I do business with Smita Financial Services Private Limited?

Its overall Trust Score is 63/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Smita Financial Services Private Limited?

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

Does Smita Financial Services Private Limited have loans or charges against its assets?

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

Is Smita Financial Services Private Limited up to date with its ROC filings?

Balance sheet slightly behind (Mar 2024). Overall compliance score: 58/100 (Moderate).

Is it risky to lend to Smita Financial Services Private Limited?

Its Credit Risk Score is 55/100 (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.