S.U. Finance Ltd. - Due diligence report

A 360° intelligence report on S.U. Finance Ltd.: trust score, financial health, credit view, compliance, directors, growth and distress sign…

1991-05-07 Kolkata, West Bengal Active Unlisted Active Compliant
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S.U. Finance Ltd. — 360° Intelligence Report

Generated from MCA filings & public records
54/100
Trust Score
Moderate

S.U. Finance Ltd. is assessed as Moderate with a Trust Score of 54/100. S.U. Finance Ltd. is an active public limited indian non-government company incorporated in 1991, operating in the Real Estate and Construction sector. Reported revenue has declined 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 29 Jul 2026 from the latest processed filings. S.U. Finance Ltd. snapshot & full profile →

Financial Health › Caution
Overall Assessment CautionWeakNeutralGoodStrong Neutral
Compliance › Neutral

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
54/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
51/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
10/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
45/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
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 · 5 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: 45/100 Caution Indicated
  • Negative operating earnings - debt service depends on external support.
  • No open charges - unencumbered balance sheet.

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

Compliance Score: 51/100 Moderate
  • Company status is Active as per MCA.
  • Balance sheet slightly behind (Mar 2024).
  • Flagged by authority: RBI.
  • Litigation present in 1 court forum(s).
Legal cases on record (1)
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
BIMLA DEVI BERIWALA 01234567 Director 01/04/2018 6 yrs Approved
CHANDI PRASAD PODDAR 01234567 Director 01/04/2018 6 yrs Approved
PUNIT BERIWALA 01234567 Director 01/04/2018 6 yrs Approved
SHYAM SUNDER BERIWALA 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.
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
-

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

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 40 · Distress 55
Growth signals & trust indicators
Operating for 35+ years.
Distress signals & risk flags
Losses deepening year-on-year.
Negative net worth.
Compliance score is weak (51/100).
1 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence53/100
Review suggested
Suitability as a supplier / customer counterparty.
  • Check the compliance flags before onboarding.
  • 2 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment36/100
Enhanced diligence advised
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 view33/100
Limited indicators at present
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 7 events
30 Sep 2024
Last AGM held
Annual general meeting
31 Mar 2024
Latest balance sheet
Filed with ROC
02 Apr 1994
Director appointed
BIMLA DEVI BERIWALA (Director)
Director appointed
SHYAM SUNDER BERIWALA (Director)
07 May 1991
Incorporated
Registered with Roc Kolkata I
Director appointed
CHANDI PRASAD PODDAR (Director)
Director appointed
PUNIT BERIWALA (Director)
10

Key Observations

Auto-generated from the data above
Revenue declined 38% over the last 4 financial year(s).
4 active director(s) / partner(s); board looks stable and experienced.
Promoters hold a dominant controlling stake as per the FY 2019 annual return.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Hanumesh Realtors Private Limited U45200MH2003PTC142541 Mumbai, Maharashtra, India
Vyapari Trade Centre Private Limited U70200KL2013PTC034846 Calicut, Kerala, India
Perfect Finish Contracting India Private Limited U74999KA2012PTC063517 Bangalore, Karnataka, India
Maladi Estates Private Limited U45201KA2000PTC027920 Mangalore, Karnataka, India
Anmol Projects And Infrastructure Private Limited U70200UP2016PTC084658 Lucknow, Uttar Pradesh, India
Angels Infracon Private Limited U70109MH2002PTC136017 Mumbai, Maharashtra, India
Mimosa Properties Private Limited U45403WB2017PTC221170 Kolkata, West Bengal, India
Nilabhuja Properties Private Limited U45201WB2017PTC221171 Kolkata, West Bengal, India
12

Who Uses This Report

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

Verify S.U. Finance Ltd. before audits and certifications: compliance score 51/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of S.U. Finance 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: Enhanced diligence advised. Credit risk score 45/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Limited indicators at present. Growth score 40/100, margin trends, ownership structure and peer set for S.U. Finance Ltd. - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Review suggested. Trust score 54/100, distress signals and MSME payment-delay disclosures - know whether S.U. Finance Ltd. pays its suppliers before you extend credit terms.

Lawyers & Compliance Teams

Litigation footprint (1 case(s) on record), regulatory flags, charge documents trail and director networks for S.U. Finance Ltd. - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is S.U. Finance Ltd. an active company?

S.U. Finance Ltd. has MCA status “Active” with a compliance score of 51/100 (Moderate).

Is S.U. Finance Ltd. financially healthy?

S.U. Finance Ltd. has a Financial Health Score of 10/100 (Caution Indicated) based on its filed financial statements.

Should I do business with S.U. Finance Ltd.?

Its overall Trust Score is 54/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls S.U. Finance Ltd.?

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

Does S.U. Finance Ltd. have loans or charges against its assets?

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

Is S.U. Finance Ltd. up to date with its ROC filings?

Balance sheet slightly behind (Mar 2024). Overall compliance score: 51/100 (Moderate).

Is it risky to lend to S.U. Finance Ltd.?

Its Credit Risk Score is 45/100 (Caution Indicated). Banker verdict: Enhanced diligence advised.

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.