Stancash Chits Private Limited - Due diligence report

A 360° intelligence report on Stancash Chits Private Limited: trust score, financial health, credit view, compliance, directors, growth and …

2008-05-08 Thrissur, Kerala Active Unlisted Active Compliant
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SC Stancash Chits Private Limited
Full Due-Diligence Report + Documents
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  • Full trust, health & credit-risk scores
  • Director details, charges & MCA documents
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Stancash Chits Private Limited — 360° Intelligence Report

Generated from MCA filings & public records
86/100
Trust Score
Low Risk

Stancash Chits Private Limited is assessed as Low Risk with a Trust Score of 86/100. Stancash Chits Private Limited is an active private limited indian non-government company incorporated in 2008, 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 low financial risk profile.

Report generated on 22 Jul 2026 from the latest processed filings. Stancash Chits Private Limited 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
86/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
86/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
85/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
65/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
90/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
55/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
75/100
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: 65/100 Moderate
  • Liabilities ≈ 38% EBITDA - stretched.
  • Moderate gearing (D/E 1.42).
  • Working-capital cover adequate.
  • Profitable - internal accruals available.

Charges position: 3 open (62.70 Lakh) · 4 satisfied (83.06 Lakh).

Banking relationships (from registered charges)
LenderChargesAmount
Others2 48.0 cr
Dhanlaxmi Bank Limited3 48.0 cr
Icici Bank Limited2 48.0 cr
Compliance Score: 86/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • Litigation present in 2 court forum(s).
  • 1 active GST registration(s).
Legal cases on record (2)
05

Director Intelligence

Stability score: 90/100
NameDIN / PANDesignationAppointedTenureDIN status
KRIPA MATHEW 01234567 Director 01/04/2018 6 yrs Approved
MANUAL THOMAS 01234567 Director 01/04/2018 6 yrs Approved
AKKARAPPATTY MANEY SIBY 01234567 Director 01/04/2018 6 yrs Approved
MARY THOMAS 01234567 Director 01/04/2018 6 yrs Approved
BOBAN MANEY 01234567 Director 01/04/2018 6 yrs Approved
  • 5 directors on the board.
  • No disqualified or deactivated DINs.
  • 1 director exit(s) in the last 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 2019 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
1 allotment(s) · 0 transfer(s)

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

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 55 · Distress 75
Growth signals & trust indicators
Profit expanded 2.1x year-on-year.
Net margin improved to 24%.
Operating for 18+ years.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
3 open charge(s) registered - assets are encumbered.
2 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence83/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • 1 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment76/100
Favourable lending indicators
Indicative lending comfort for banks, NBFCs and trade credit.
  • Debt capacity assessed from filed statements.
  • 3 open charge(s) of 62.70 Lakh already registered.
  • Compliance record supports lending.
Investor view73/100
Positive growth indicators
Growth quality and scalability through an investor lens.
  • 2 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 15 events
30 Sep 2025
Last AGM held
Annual general meeting
05 Aug 2025
Charge created
Dhanlaxmi Bank Limited - 11.00 Lakh
16 Apr 2025
Charge created
Dhanlaxmi Bank Limited - 9.00 Lakh
31 Mar 2025
Latest balance sheet
Filed with ROC
16 Aug 2024
Charge satisfied
Others
07 Aug 2024
Director ceased
XAVIER PALATTY GEORGE
27 Apr 2023
Charge created
Dhanlaxmi Bank Limited - 42.70 Lakh
16 Mar 2023
Charge satisfied
Others
30 Sep 2022
Director ceased
ANTONY AKKARAPATTY
15 Oct 2019
Director ceased
USHA JOY
13 Aug 2019
Charge created
Others - 23.75 Lakh
14 Jun 2018
Charge satisfied
Icici Bank Limited
19 Mar 2018
Charge created
Others - 42.50 Lakh
15 Dec 2016
Charge satisfied
Icici Bank Limited
10 Feb 2016
Director ceased
CHAKRAMAKIL PETER JOSEPH
10

Key Observations

Auto-generated from the data above
Revenue declined 0.86 over the last 4 financial year(s).
Net profit margin moved from 61% to 38%.
Debt-to-equity stands at 1.42 - manageable leverage.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
5 active director(s) / partner(s); board looks stable and experienced.
1 active GST registration(s) indicate ongoing business operations.
Promoters hold a majority stake as per the FY 2019 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 1 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Marytime Trimpex Pvt. Ltd. U62099WB1994PTC063578 Kolkata, West Bengal, India
Sawada Properties Pvt Ltd U51909WB1987PTC043180 Kolkata, West Bengal, India
Prashan Commotrade Pvt Ltd U51909WB1995PTC067041 Kolkata, West Bengal, India
Karha Developers & Miners Private Limited U70102PN2007PTC131142 Pune City, Maharashtra, India
Santushti Vanijya Private Limited U51909CT2010PTC009949 Bilaspur, Chattisgarh, India
Marwaha Financial Services Private Limited U74140PB2008PTC031949 Jalandhar, Punjab, India
Green Field Farm Pvt Ltd U01132WB1990PTC049898 Kolkata, West Bengal, India
Deccan Creations Private Limited U85110KA1996PTC020921 Bangalore, Karnataka, India
12

Who Uses This Report

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

Verify Stancash Chits Private Limited before audits and certifications: compliance score 86/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Stancash Chits 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: Favourable lending indicators. Credit risk score 65/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Positive growth indicators. Growth score 55/100, margin trends, ownership structure and peer set for Stancash Chits Private Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 86/100, distress signals and MSME payment-delay disclosures - know whether Stancash Chits Private Limited pays its suppliers before you extend credit terms.

Lawyers & Compliance Teams

Litigation footprint (2 case(s) on record), regulatory flags, charge documents trail and director networks for Stancash Chits Private Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Stancash Chits Private Limited an active company?

Stancash Chits Private Limited has MCA status “Active” with a compliance score of 86/100 (Low Risk).

Is Stancash Chits Private Limited financially healthy?

Stancash Chits Private Limited has a Financial Health Score of 85/100 (Low Risk) based on its filed financial statements.

Should I do business with Stancash Chits Private Limited?

Its overall Trust Score is 86/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Stancash Chits Private Limited?

Promoters hold a majority stake - exact percentages are in the full report. 5 active director(s) are on record.

Does Stancash Chits Private Limited have loans or charges against its assets?

3 open charge(s) are registered against its assets, and 4 earlier charge(s) stand satisfied.

Is Stancash Chits Private Limited up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 86/100 (Low Risk).

Is it risky to lend to Stancash Chits Private Limited?

Its Credit Risk Score is 65/100 (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.