Swadhaar Finaccess - Due diligence report

A 360° intelligence report on Swadhaar Finserve: trust score, financial health, credit view, compliance, directors, growth and distress sign…

2005-03-04 Mumbai, Maharashtra Active Unlisted Active Compliant
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Swadhaar Finserve — 360° Intelligence Report

Generated from MCA filings & public records
74/100
Trust Score
Moderate

Swadhaar Finserve is assessed as Moderate with a Trust Score of 74/100. Swadhaar Finserve is an active private not for profit company incorporated in 2005, operating in the Financial Services sector. The company has shown revenue growth 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 low compliance risk and high financial risk profile.

Report generated on 19 Jul 2026 from the latest processed filings. Swadhaar Finaccess snapshot & full profile →

Financial Health › Caution
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
74/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
100/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
25/100
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
90/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
90/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
60/100
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 (-) · 3 satisfied (1.25 cr).

Banking relationships (from registered charges)
LenderChargesAmount
Hdfc Bank Limited2 48.0 cr
Icici Bank Limited1 48.0 cr
Compliance Score: 100/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • 4 active GST registration(s).
05

Director Intelligence

Stability score: 90/100
NameDIN / PANDesignationAppointedTenureDIN status
VEENA VIKAS MANKAR 01234567 Director 01/04/2018 6 yrs Approved
Dharini Mathur 01234567 Director 01/04/2018 6 yrs Approved
ANURADHA SHRIPAD NADKARNI 01234567 Director 01/04/2018 6 yrs Approved
VIKAS BHAGWAN MANKAR 01234567 Director 01/04/2018 6 yrs Approved
GULAMHUSEIN ASGERALY VAHANVATY 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.
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) · 1 transfer(s)

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 90 · Distress 60
Growth signals & trust indicators
Revenue acceleration: +38% over 4 year(s).
Latest year revenue grew 1.42.
Asset base grew 2.1x - capacity expansion.
EPFO headcount growing - hiring signal.
Operating for 21+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Outside liabilities up 24% in a year.
Negative net worth.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence80/100
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 assessment53/100
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 view63/100
Mixed indicators
Growth quality and scalability through an investor lens.
  • 4 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 15 events
01 Nov 2025
Director appointed
ANURADHA SHRIPAD NADKARNI (Director)
20 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
17 Sep 2024
Director ceased
Dharini Mathur
31 May 2024
Director appointed
Dharini Mathur (Director)
04 Mar 2020
Director ceased
MUMTAZ AMIRALI JAFFER
31 Mar 2018
Share transfer (FY 2018)
50000.00000000 shares to Vikas Bhagwan Mankar
13 Sep 2017
Director ceased
VEENA VIKAS MANKAR
Director ceased
RAMYA DURAISWAMY
14 Feb 2017
Director appointed
VEENA VIKAS MANKAR (Director)
20 Jan 2016
Director ceased
SRIRAMAN JAGANNATHAN
28 Sep 2015
Director ceased
GULAMHUSEIN ASGERALY VAHANVATY
06 May 2015
Director appointed
GULAMHUSEIN ASGERALY VAHANVATY (Director)
07 Sep 2011
Director ceased
HASEENA GULAM HUSEIN VAHANVATY
08 May 2010
Director ceased
HEMREKHA VISWANATHAN
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%.
Compliance record is strong - status, filings and flags are clean.
5 active director(s) / partner(s); board looks stable and experienced.
4 active GST registration(s) indicate ongoing business operations.
All 3 registered charge(s) stand satisfied - past borrowings repaid.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a dominant controlling stake as per the FY 2023 annual return.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Frontrow U74993KA2019PTC130854 Bangalore North, Karnataka, India
Tejas International Educational Institutions U80903KA2012NPL064830 Bagalkot, Karnataka, India
Udan Recreation Services Private Limited U92140MH2011PTC215466 Mumbai, Maharashtra, India
Flywings Simulator Training Centre U80903HR2011PLC101229 Sadar Bazar, Haryana, India
Tapovan Education Institute U80301GJ2000NPL039019 Vadodara, Gujarat, India
Greycampus U80901TG2008PTC058705 Shaikpet, Telangana, India
Dsta Education Foundation U80904PN2017NPL171830 Pune, Maharashtra, India
Km Music Conservatory U80220TN2008PTC067437 Chennai, Tamil Nadu, India
12

Who Uses This Report

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

Verify Swadhaar Finserve 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 Swadhaar Finserve: 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 45/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Mixed indicators. Growth score 90/100, margin trends, ownership structure and peer set for Swadhaar Finserve - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 74/100, distress signals and MSME payment-delay disclosures - know whether Swadhaar Finserve 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 Swadhaar Finserve - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Swadhaar Finserve an active company?

Swadhaar Finserve has MCA status “Active” with a compliance score of 100/100 (Low Risk).

Is Swadhaar Finserve financially healthy?

Swadhaar Finserve has a Financial Health Score of 25/100 (Caution Indicated) based on its filed financial statements.

Should I do business with Swadhaar Finserve?

Its overall Trust Score is 74/100 (Moderate). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Swadhaar Finserve?

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

Does Swadhaar Finserve have loans or charges against its assets?

No open charges - all 3 registered charge(s) stand satisfied, indicating past borrowings were repaid.

Is Swadhaar Finserve 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 Swadhaar Finserve?

Its Credit Risk Score is 45/100 (Caution Indicated). 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.