Smj Microfinance Foundation - Due diligence report

A 360° intelligence report on Smj Microfinance Foundation: trust score, financial health, credit view, compliance, directors, growth and dis…

2016-12-21 Lucknow, Uttar Pradesh Active Unlisted Active Compliant
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Smj Microfinance Foundation — 360° Intelligence Report

Generated from MCA filings & public records
75/100
Trust Score
Low Risk

Smj Microfinance Foundation is assessed as Low Risk with a Trust Score of 75/100. Smj Microfinance Foundation is an active private not for profit company incorporated in 2016, operating in the Financial Services 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 low compliance risk and moderate financial risk profile.

Report generated on 16 Oct 2026 from the latest processed filings. Smj Microfinance Foundation snapshot & full profile →

Financial Health › Strong
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
75/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
88/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
70/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
60/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
75/100
Board strength, DIN status, churn and network.
Growth ScoreCaution Indicated
40/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
55/100
Early-warning signals - higher means fewer warnings.
03

Financial Intelligence Dashboard

Standalone · 4 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
  • Liabilities ≈ 38% EBITDA - stretched.
  • No open charges - unencumbered balance sheet.
  • Working-capital cover adequate.
  • Profitable - internal accruals available.

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: 75/100
NameDIN / PANDesignationAppointedTenureDIN status
SHASHI SHRIVASTAV 01234567 Director 01/04/2018 6 yrs Approved
Shweta Nigam 01234567 Director 01/04/2018 6 yrs Approved
  • 2 directors on the board.
  • No disqualified or deactivated DINs.
  • 4 director exits in 3 years - high churn.
06

Ownership & Group Intelligence

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
-

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 40 · Distress 55
Growth signals & trust indicators
Operating for 9 years.
Distress signals & risk flags
Revenue declined year-on-year.
Profit declined two years in a row.
4 director exits within 2 years.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence74/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • 3 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment70/100
Favourable lending indicators
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 view59/100
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 9 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
11 Jan 2025
Director ceased
VIRENDRA PRATAP SINGH
Director ceased
SUMAN SINGH
06 Jan 2025
Director appointed
SHASHI SHRIVASTAV (Additional Director)
27 Dec 2024
Director appointed
Shweta Nigam (Director)
13 Nov 2024
Director ceased
BRIJESH KUMAR SINGH
Director ceased
SANJANA SINGH
21 Dec 2016
Incorporated
Registered with Roc Kanpur
10

Key Observations

Auto-generated from the data above
Revenue declined 1.42 over the last 3 financial year(s).
Net profit margin moved from 2.1x to 24%.
Debt-to-equity stands at 0.86 - leverage worth monitoring.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
2 active director(s) / partner(s); board looks stable and experienced.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Arcad Software Products Private Limited U72900UP2017FTC097227 Lucknow, Uttar Pradesh
Elation Softnet Private Limited U72200UP2005PTC030247 Lucknow, Uttar Pradesh
Energrid Private Limited U72900UP2021PTC144863 Lucknow, Uttar Pradesh
Sun Shine Lifecare Private Limited U66000UP2011PTC047582 Lucknow, Uttar Pradesh
Sba Developers Private Limited U45400UP2009PTC037672 Lucknow, Uttar Pradesh
Raimex International Private Limited U74999UP2017PTC094590 Lucknow, Uttar Pradesh
Svg Promotising Private Limited U93030UP2014PTC067230 Lucknow, Uttar Pradesh
Ksk Trading India Private Limited U74120UP2013PTC059740 Lucknow, Uttar Pradesh
Shree Jageshwar Raj Infrazone Private Limited U74120UP2014PTC065726 Lucknow, Uttar Pradesh
Mahameru Estate Projects Private Limited U41001UP2024PTC198212 Lucknow, Uttar Pradesh
12

Who Uses This Report

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

Verify Smj Microfinance Foundation 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 Smj Microfinance Foundation: 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: Favourable lending indicators. 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 40/100, margin trends, ownership structure and peer set for Smj Microfinance Foundation - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 75/100, distress signals and MSME payment-delay disclosures - know whether Smj Microfinance Foundation 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 Smj Microfinance Foundation - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Smj Microfinance Foundation an active company?

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

Is Smj Microfinance Foundation financially healthy?

Smj Microfinance Foundation has a Financial Health Score of 70/100 (Moderate) based on its filed financial statements.

Should I do business with Smj Microfinance Foundation?

Its overall Trust Score is 75/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Smj Microfinance Foundation?

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

Does Smj Microfinance Foundation have loans or charges against its assets?

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

Is Smj Microfinance Foundation 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 Smj Microfinance Foundation?

Its Credit Risk Score is 60/100 (Moderate). Banker verdict: Favourable lending indicators.

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.