Sudhar Microfinance Federation - Due diligence report

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

2017-07-28 Gorakhpur, Uttar Pradesh Active Unlisted Active Compliant
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Sudhar Microfinance Federation — 360° Intelligence Report

Generated from MCA filings & public records
78/100
Trust Score
Low Risk

Sudhar Microfinance Federation is assessed as Low Risk with a Trust Score of 78/100. Sudhar Microfinance Federation is an active private not for profit company incorporated in 2017, operating in the Insurance sector. It reported a loss 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. Sudhar Microfinance Federation snapshot & full profile →

Financial Health › Neutral
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
78/100
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
50/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
50/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
50/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
90/100
Early-warning signals - higher means fewer warnings.
03

Financial Intelligence Dashboard

Standalone · 3 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: 50/100 Moderate
  • Negative operating earnings - debt service depends on external support.
  • No open charges - unencumbered balance sheet.
  • Working-capital cover adequate.

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: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
BISHNU NAND DWIVEDI 01234567 Director 01/04/2018 6 yrs Approved
SAURABH KUMAR RUNGTA 01234567 Director 01/04/2018 6 yrs Approved
  • 2 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

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
-

Key managerial personnel: BISHNU NAND DWIVEDI (Managing Director)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 50 · Distress 90
Growth signals & trust indicators
Operating for 9 years.
Distress signals & risk flags
No critical warning flags detected in the available data.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence86/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • No distress signals on file.
  • Financial filings available for verification.
Banker assessment60/100
Mixed indicators - deeper appraisal suggested
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 view57/100
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 10 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
16 Feb 2022
Director ceased
BISHNU NAND DWIVEDI
10 Sep 2021
Director ceased
RENU SINGH
Director ceased
RAJNISH KUMAR SINGH
09 Sep 2021
Director appointed
BISHNU NAND DWIVEDI (Managing Director)
Director appointed
SAURABH KUMAR RUNGTA (Director)
24 Mar 2021
Director ceased
KRISHNA NAND SINGH
Director ceased
VIKASH KUMAR SINGH
28 Jul 2017
Incorporated
Registered with Roc Uttar Pradesh I
10

Key Observations

Auto-generated from the data above
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
Cawa Family Lifecare Private Limited U24290UP2022PTC160314 Gorakhpur, Uttar Pradesh
Escapement Marketing Private Limited U51101UP2013PTC056197 Gorakhpur, Uttar Pradesh
Devirath Exports And Imports Private Limited U51900UP2020PTC128889 Gorakhpur, Uttar Pradesh
Rivaan Academy Private Limited U74999UP2017PTC099385 Gorakhpur, Uttar Pradesh
Meersan Exports (Opc) Private Limited U15200UP2020OPC126915 Gorakhpur, Uttar Pradesh
Svd Infracity Private Limited U68200UP2024PTC205823 Gorakhpur, Uttar Pradesh
Basera Dream Planner Private Limited U45400UP2019PTC116827 Gorakhpur, Uttar Pradesh
Sarveshu Care Foundation U85300UP2022NPL175127 Gorakhpur, Uttar Pradesh
Kunj Urban Estate Private Limited U43299UP2024PTC212627 Gorakhpur, Uttar Pradesh
Zenith Optimus Healthcare Ventures Private Limited U85310UP2022PTC166226 Gorakhpur, Uttar Pradesh
12

Who Uses This Report

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

Verify Sudhar Microfinance Federation 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 Sudhar Microfinance Federation: 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: Mixed indicators - deeper appraisal suggested. Credit risk score 50/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Mixed indicators. Growth score 50/100, margin trends, ownership structure and peer set for Sudhar Microfinance Federation - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 78/100, distress signals and MSME payment-delay disclosures - know whether Sudhar Microfinance Federation 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 Sudhar Microfinance Federation - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Sudhar Microfinance Federation an active company?

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

Is Sudhar Microfinance Federation financially healthy?

Sudhar Microfinance Federation has a Financial Health Score of 50/100 (Moderate) based on its filed financial statements.

Should I do business with Sudhar Microfinance Federation?

Its overall Trust Score is 78/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Sudhar Microfinance Federation?

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

Does Sudhar Microfinance Federation have loans or charges against its assets?

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

Is Sudhar Microfinance Federation 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 Sudhar Microfinance Federation?

Its Credit Risk Score is 50/100 (Moderate). Banker verdict: Mixed indicators - deeper appraisal suggested.

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.