Swadhaan Microfinance Foundation - Due diligence report

A 360° intelligence report on Swadhaan Microfinance Foundation: trust score, financial health, credit view, compliance, directors, growth an…

2017-02-06 Malad (E), Mumbai, Maharashtra Active Unlisted Active Compliant
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Swadhaan Microfinance Foundation — 360° Intelligence Report

Generated from MCA filings & public records
70/100
Trust Score
Moderate

Swadhaan Microfinance Foundation is assessed as Moderate with a Trust Score of 70/100. Swadhaan Microfinance Foundation is an active private not for profit company incorporated in 2017, operating in the Financial Services 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 high financial risk profile.

Report generated on 26 Jul 2026 from the latest processed filings. Swadhaan Microfinance Foundation 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 ScoreModerate
70/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
75/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
45/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
20/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
65/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
70/100
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: 20/100 Caution Indicated
  • Negative operating earnings - debt service depends on external support.
  • Open charges exceed net worth - secured lenders rank ahead.
  • Elevated gearing (D/E 38%).

Charges position: 1 open (50.00 Lakh) · 0 satisfied (-).

Banking relationships (from registered charges)
LenderChargesAmount
Others1 48.0 cr
Compliance Score: 75/100 Low Risk
  • Company status is Active as per MCA.
  • Last balance sheet is for Mar 2023 - filings overdue.
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
HARI SHANKER RAM KLESH PANDEY 01234567 Director 01/04/2018 6 yrs Approved
KAMLESH SINGH 01234567 Director 01/04/2018 6 yrs Approved
RAHUL PANDEY 01234567 Director 01/04/2018 6 yrs Approved
SUSHILA YADAV 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 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
8 allotment(s) · 0 transfer(s)

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

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 65 · Distress 70
Growth signals & trust indicators
Latest year revenue grew 1.42.
Asset base grew 2.1x - capacity expansion.
Operating for 9 years.
Distress signals & risk flags
Outside liabilities up 24% in a year.
Statutory filings appear overdue.
1 open charge(s) registered - assets are encumbered.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence72/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • 2 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment41/100
Enhanced diligence advised
Indicative lending comfort for banks, NBFCs and trade credit.
  • Debt capacity assessed from filed statements.
  • 1 open charge(s) of 50.00 Lakh already registered.
  • Compliance record supports lending.
Investor view59/100
Mixed 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 2023
Last AGM held
Annual general meeting
31 Mar 2023
Latest balance sheet
Filed with ROC
19 Jan 2023
Charge created
Others - 50.00 Lakh
02 Jul 2022
Securities allotted
100 Equity Shares Without Differential Rights - 1,000.00 raised
10 May 2022
Securities allotted
100 Equity Shares Without Differential Rights - 1,000.00 raised
03 May 2022
Securities allotted
100 Equity Shares Without Differential Rights - 1,000.00 raised
12 Nov 2021
Securities allotted
200 Equity Shares Without Differential Rights - 2,000.00 raised
12 Aug 2021
Securities allotted
490000 Equity Shares Without Differential Rights - 49.00 Lakh raised
17 Jun 2021
Securities allotted
35000 Equity Shares Without Differential Rights - 3.50 Lakh raised
30 Mar 2021
Securities allotted
155000 Equity Shares Without Differential Rights - 15.50 Lakh raised
17 Sep 2019
Securities allotted
432500 Equity Shares Without Differential Rights - 43.25 Lakh raised
10 Jan 2018
Director appointed
SUSHILA YADAV (Additional Director)
03 May 2017
Director appointed
KAMLESH SINGH (Director)
06 Feb 2017
Incorporated
Registered with Roc Mumbai
Director appointed
HARI SHANKER RAM KLESH PANDEY (Director)
10

Key Observations

Auto-generated from the data above
Revenue grew 0.86 over the last 4 financial year(s).
Net profit margin moved from 61% to 38%.
Debt-to-equity stands at 1.42 - leverage worth monitoring.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
4 active director(s) / partner(s); board looks stable and experienced.
Promoters hold a minority stake as per the FY 2023 annual return.
Capital has been raised through 8 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Arka Fincap U65993MH2021PTC363806 Mumbai, Maharashtra, India
Tinnevelly Tuticorin Investments Ltd U45201WB1930PLC006944 Kolkata, West Bengal, India
Peak Mercantiles Pvt Ltd U65993WB1982PTC035174 Kolkata, West Bengal, India
Iti Mutual Fund Trustee Private Limited U65999MH2016PTC287077 Mumbai, Maharashtra, India
Kandambath Holdings Private Limited U65999KL2021PTC071595 Kozhikode, Kerala, India
Maan Combine Capinvest Limited U65993RJ1999PLC015396 Jaipur, Rajasthan, India
Om Management And Financial Services Private Limited U74140MH1995PTC093969 Mumbai, Maharashtra, India
Unionkbcmf U65923MH2009PTC198198 Mumbai, Maharashtra, India
12

Who Uses This Report

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

Verify Swadhaan Microfinance Foundation before audits and certifications: compliance score 75/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Swadhaan Microfinance Foundation: 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 20/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Mixed indicators. Growth score 65/100, margin trends, ownership structure and peer set for Swadhaan Microfinance Foundation - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 70/100, distress signals and MSME payment-delay disclosures - know whether Swadhaan Microfinance Foundation 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 Swadhaan Microfinance Foundation - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Swadhaan Microfinance Foundation an active company?

Swadhaan Microfinance Foundation has MCA status “Active” with a compliance score of 75/100 (Low Risk).

Is Swadhaan Microfinance Foundation financially healthy?

Swadhaan Microfinance Foundation has a Financial Health Score of 45/100 (Caution Indicated) based on its filed financial statements.

Should I do business with Swadhaan Microfinance Foundation?

Its overall Trust Score is 70/100 (Moderate). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Swadhaan Microfinance Foundation?

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

Does Swadhaan Microfinance Foundation have loans or charges against its assets?

1 open charge(s) are registered against its assets.

Is Swadhaan Microfinance Foundation up to date with its ROC filings?

Last balance sheet is for Mar 2023 - filings overdue. Overall compliance score: 75/100 (Low Risk).

Is it risky to lend to Swadhaan Microfinance Foundation?

Its Credit Risk Score is 20/100 (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.