Spandan Microcredit - Due diligence report

A 360° intelligence report on Spandan Microcredit: trust score, financial health, credit view, compliance, directors, growth and distress si…

2012-08-10 Nagaon, Assam Active Unlisted Active Non-Compliant
Share
Connect MCP
SM Spandan Microcredit
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

Spandan Microcredit — 360° Intelligence Report

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

Spandan Microcredit is assessed as Moderate with a Trust Score of 63/100. Spandan Microcredit is an active public not for profit company incorporated in 2012, operating in the Non-Profit Organizations sector. Processed financial statements are not yet available for trend analysis. Based on MCA filings and public records, it currently shows a high compliance risk and an unassessed financial risk profile.

Report generated on 13 Oct 2026 from the latest processed filings. Spandan Microcredit snapshot & full profile →

Financial Health › No Data
Overall Assessment CautionWeakNeutralGoodStrong Good
Compliance › Weak

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 ScoreCaution Indicated
40/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreNo Data
N/A
No processed financial statements available yet.
Credit Risk ScoreNo Data
N/A
Financial statements needed for a credit view.
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
90/100
Early-warning signals - higher means fewer warnings.
03

Financial Intelligence Dashboard

No processed financials
Financial statements are not yet processed for this company. Trend analysis will appear once filings are available.
04

Credit & Compliance Intelligence

Why the scores are what they are
Credit Risk Score: N/A No Data
  • Financial statements needed for a credit view.

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

Compliance Score: 40/100 Caution Indicated
  • Company status is Active as per MCA.
  • Marked ACTIVE non-compliant (INC-22A).
  • No balance-sheet filing date on record.
  • Flagged by authority: MCA.
05

Director Intelligence

Stability score: 55/100
NameDIN / PANDesignationAppointedTenureDIN status
AKSHOY KUMAR SHOW 01234567 Director 01/04/2018 6 yrs Approved
SUMAN KARMAKAR 01234567 Director 01/04/2018 6 yrs Approved
UJJWAL DUTTA 01234567 Director 01/04/2018 6 yrs Approved
  • 3 directors on the board.
  • AKSHOY KUMAR SHOW 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

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 N/A · Distress 90
Growth signals & trust indicators
Operating for 14+ years.
Financials unavailable - score leans on compliance and governance signals.
Distress signals & risk flags
Compliance score is weak (40/100).
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence62/100
Review suggested
Suitability as a supplier / customer counterparty.
  • Check the compliance flags before onboarding.
  • No distress signals on file.
  • No financials on record - ask for audited statements.
Banker assessment33/100
Enhanced diligence advised
Indicative lending comfort for banks, NBFCs and trade credit.
  • No filed financials - rely on banking statements and GST data.
  • No existing security registered - first-charge position available.
  • Compliance gaps should be priced into terms.
Investor view43/100
Limited indicators at present
Growth quality and scalability through an investor lens.
  • No clear growth signals in the filed years.
  • Request management accounts - public filings insufficient.
  • Management churn warrants questions.
09

MCA Filings & Events Timeline

Latest 4 events
10 Aug 2012
Incorporated
Registered with Roc Guwahati
Director appointed
AKSHOY KUMAR SHOW (Director)
Director appointed
SUMAN KARMAKAR (Director)
Director appointed
UJJWAL DUTTA (Director)
10

Key Observations

Auto-generated from the data above
3 active director(s) / partner(s); review board churn before relying on management continuity.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Lumding Plywood Pasting Pvt Ltd U20211AS1995PTC004505 Nagaon, Assam
Newlook Finance And Investment Pvt Ltd U67120AS1994PTC004251 Nagaon, Assam
Surakshaplus Allied Industries Limited U01400AS2012PLC011254 Nagaon, Assam
Big Fame Modeling Agency (Opc) Private Limited U92490AS2022OPC022465 Nagaon, Assam
CANAVE HOLDINGS LLP AAG-3401 Nagaon, Assam
Helping Club Foundation U85300AS2022NPL023545 Nagaon, Assam
Pranabananda Computer Institute Foundation U85300AS2022NPL023191 Nagaon, Assam
Amiosn Technologies Private Limited U72900AS2021PTC021756 Nagaon, Assam
Imperial Eagle Infratech Private Limited U45203AS2011PTC010685 Nagaon, Assam
Bedi Auto Zone Private Limited U50100AS2022PTC022564 Nagaon, Assam
12

Who Uses This Report

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

Verify Spandan Microcredit before audits and certifications: compliance score 40/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Spandan Microcredit: 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 pending financials, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Limited indicators at present. Growth score n/a, margin trends, ownership structure and peer set for Spandan Microcredit - 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 Spandan Microcredit 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 Spandan Microcredit - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Spandan Microcredit an active company?

Spandan Microcredit has MCA status “Active” with a compliance score of 40/100 (Caution Indicated).

Is Spandan Microcredit financially healthy?

Processed financial statements are not yet available for Spandan Microcredit, so its financial health is unassessed.

Should I do business with Spandan Microcredit?

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 Spandan Microcredit?

See the directors and ownership sections above for board and shareholding detail. 3 active director(s) are on record.

Does Spandan Microcredit have loans or charges against its assets?

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

Is Spandan Microcredit up to date with its ROC filings?

Marked ACTIVE non-compliant (INC-22A). Overall compliance score: 40/100 (Caution Indicated).

Is it risky to lend to Spandan Microcredit?

Filed financial statements are needed for a credit view - ask the company for audited statements and bank statements.

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.