Subhamoti Finance Pvt Ltd - Due diligence report

A 360° intelligence report on Subhamoti Finance Pvt Ltd: trust score, financial health, credit view, compliance, directors, growth and distr…

1995-08-07 Kolkata, West Bengal Active Unlisted Active Compliant
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Subhamoti Finance Pvt Ltd — 360° Intelligence Report

Generated from MCA filings & public records
93/100
Trust Score
Low Risk

Subhamoti Finance Pvt Ltd is assessed as Low Risk with a Trust Score of 93/100. Subhamoti Finance Pvt Ltd is an active private limited indian non-government company incorporated in 1995, operating in the Financial Services sector. 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 17 Jul 2026 from the latest processed filings. Subhamoti Finance Pvt Ltd 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
93/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
100/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
90/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
70/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
90/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
60/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
90/100
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: 70/100 Moderate
  • Negative operating earnings - debt service depends on external support.
  • No open charges - unencumbered balance sheet.
  • Moderate gearing (D/E 38%).
  • Working-capital cover adequate.
  • Profitable - internal accruals available.

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

Compliance Score: 100/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
05

Director Intelligence

Stability score: 90/100
NameDIN / PANDesignationAppointedTenureDIN status
PRIYANKA SARAFF 01234567 Director 01/04/2018 6 yrs Approved
SUBHASHCHANDRA SARAFF 01234567 Director 01/04/2018 6 yrs Approved
  • 2 directors on the board.
  • No disqualified or deactivated DINs.
  • 1 director exit(s) in the last 3 years.
  • Average tenure above 5 years.
06

Ownership & Group Intelligence

As per FY 2023 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
0 allotment(s) · 2 transfer(s)

Promoters hold the largest single block of equity - exact percentages are part of the full report.

Group entityRelationship% held
Avadh Rail Infra Ltd. Associate Company 74.00%

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 60 · Distress 90
Growth signals & trust indicators
Profit expanded 1.42 year-on-year.
Operating for 30+ years.
Distress signals & risk flags
No critical warning flags detected in the available data.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence95/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • No distress signals on file.
  • Financial filings available for verification.
Banker assessment84/100
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 view79/100
Positive growth 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 8 events
21 Aug 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
13 Feb 2025
Director ceased
ABHISHEK SARAFF
10 Feb 2025
Director appointed
PRIYANKA SARAFF (Additional Director)
31 Mar 2016
Share transfer (FY 2016)
100.00000000 shares to ANJALI
Share transfer (FY 2016)
25000.00000000 shares to ABHISHEK
18 Jan 2001
Director appointed
SUBHASHCHANDRA SARAFF (Director)
07 Aug 1995
Incorporated
Registered with Roc Kolkata
10

Key Observations

Auto-generated from the data above
Debt-to-equity stands at 2.1x - manageable leverage.
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.
Promoters hold the largest single block of equity as per the FY 2023 annual return.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Rna Advisory Private Limited U74900DL2009PTC188813 Delhi, Delhi, India
Sarath And Saran Chitty Fund Private Limited U65992KL2012PTC032883 Alappuzha, Kerala, India
Velth Grow Securities Private Limited U67200PB2017PTC047145 Mohali, Punjab, India
Urch Traders Pvt Ltd U51491WB1989PTC046271 Kolkata, West Bengal, India
Zoom Construction & Holdings Co Pvt Ltd U70109WB1980PTC033239 Kolkata, West Bengal, India
Intermark Trade Services Pvt Ltd U51909WB1995PTC074658 Kolkata, West Bengal, India
Kamaal Universe Private Limited U26205TG2021PTC152900 Shaikpet, Telangana, India
Sarojini Chit Funds Private Limited U65992TZ1994PTC005346 Coimbatore, Tamil Nadu, India
12

Who Uses This Report

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

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

Company Secretaries (CS)

Track statutory health of Subhamoti Finance Pvt 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: Favourable lending indicators. Credit risk score 70/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Positive growth indicators. Growth score 60/100, margin trends, ownership structure and peer set for Subhamoti Finance Pvt Ltd - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 93/100, distress signals and MSME payment-delay disclosures - know whether Subhamoti Finance Pvt Ltd 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 Subhamoti Finance Pvt Ltd - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Subhamoti Finance Pvt Ltd an active company?

Subhamoti Finance Pvt Ltd has MCA status “Active” with a compliance score of 100/100 (Low Risk).

Is Subhamoti Finance Pvt Ltd financially healthy?

Subhamoti Finance Pvt Ltd has a Financial Health Score of 90/100 (Low Risk) based on its filed financial statements.

Should I do business with Subhamoti Finance Pvt Ltd?

Its overall Trust Score is 93/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Subhamoti Finance Pvt Ltd?

Promoters hold the largest single block of equity - exact percentages are in the full report. 2 active director(s) are on record.

Does Subhamoti Finance Pvt Ltd have loans or charges against its assets?

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

Is Subhamoti Finance Pvt Ltd up to date with its ROC filings?

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

Is it risky to lend to Subhamoti Finance Pvt Ltd?

Its Credit Risk Score is 70/100 (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.