Promoter holding
64.27%
SF
Swaroop Finance Pvt Ltd - Due diligence report
A 360° intelligence report on Swaroop Finance Pvt Ltd: trust score, financial health, credit view, compliance, directors, growth and distres…
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Swaroop Finance Pvt Ltd — 360° Intelligence Report
Generated from MCA filings & public records75/100
Trust Score
Low Risk
Swaroop Finance Pvt Ltd is assessed as Low Risk with a Trust Score of 75/100. Swaroop Finance Pvt Ltd is an active private limited indian non-government company incorporated in 1990, operating in the Financial Services sector. The company has shown revenue growth across its recent filed years. It was profitable in its latest filed year. Based on MCA filings and public records, it currently shows a moderate compliance risk and low financial risk profile.
Report generated on 21 Sep 2026 from the latest processed filings. Swaroop Finance Pvt Ltd snapshot & full profile →
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 & explainableTrust ScoreLow Risk
75/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
58/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
75/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreLow Risk
90/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
70/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
75/100
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 accessScores 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: 90/100 Low Risk
- Liabilities ≈ 38% EBITDA - serviceable.
- No open charges - unencumbered balance sheet.
- Working-capital cover adequate.
- Profitable - internal accruals available.
Charges position: 0 open (-) · 0 satisfied (-).
Compliance Score: 58/100 Moderate
- Company status is Active as per MCA.
- Balance sheet slightly behind (Mar 2024).
- Flagged by authority: FIU.
05
Director Intelligence
Stability score: 95/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| RAM SWAROOP JOSHI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| BIHARI LAL JOSHI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| RAMAWATAR JOSHI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 3 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 2022 annual returnPublic / 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
2 allotment(s) · 0 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 70 · Distress 75
Growth signals & trust indicators
Revenue acceleration: +1.42 over 4 year(s).
Operating for 35+ years.
Distress signals & risk flags
Revenue declined year-on-year.
Compliance score is weak (58/100).
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence68/100
Review suggested
Suitability as a supplier / customer counterparty.
- Check the compliance flags before onboarding.
- 1 distress signal(s) - see Risk Center.
- Financial filings available for verification.
Banker assessment78/100
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 gaps should be priced into terms.
Investor view73/100
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 10 events30 Sep 2024
Last AGM held
Annual general meeting
31 Mar 2024
Latest balance sheet
Filed with ROC
23 Nov 2019
Director appointed
RAM SWAROOP JOSHI (Director)
30 Sep 2019
Director ceased
BIHARI LAL JOSHI
30 Mar 2019
Director appointed
BIHARI LAL JOSHI (Director)
Director ceased
RAM SWAROOP JOSHI
31 Mar 2017
Securities allotted
930000 Equity Shares - 1.02 cr raised
31 Mar 2016
Securities allotted
680000 Equity Shares - 74.80 Lakh raised
12 Oct 1990
Incorporated
Registered with Roc Kolkata
Director appointed
RAMAWATAR JOSHI (Director)
10
Key Observations
Auto-generated from the data aboveRevenue grew 2.1x over the last 4 financial year(s).
Net profit margin moved from 24% to 0.86.
Net worth is positive.
3 active director(s) / partner(s); board looks stable and experienced.
Promoters hold a dominant controlling stake as per the FY 2022 annual return.
Capital has been raised through 2 security allotment(s) - amounts available in the full report.
| Company | CIN | Location |
|---|---|---|
| Trishna Tradefin Ltd. | U67190UP1991PLC121103 | Lucknow, Uttar Pradesh, India |
| Unicom Finance Private Limited | U67120MH1984PTC033346 | Thane, Maharashtra, India |
| Agarwal Motor Finance Private Limited | U67120WB1993PTC103217 | Kolkata, West Bengal, India |
| Shree Ram Niryat Pvt Ltd | U70109RJ1995PTC037873 | Jaipur, Rajasthan, India |
| Bbk Bhumi Developers Private Limited | U68200DL2017PTC324609 | New Delhi, Delhi, India |
| Gsmarena | U72900WB2000PLC091311 | Kolkata, West Bengal, India |
| Eternal Techno Commercial & Fiscal Services Pvt. Ltd. | U74140WB1991PTC053723 | Kolkata, West Bengal, India |
| Cas Advisor Private Limited | U74999GJ2020PTC112011 | Navrangpura, Ahmedabad, Gujarat, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Swaroop Finance Pvt Ltd before audits and certifications: compliance score 58/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Swaroop 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 90/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Positive growth indicators. Growth score 70/100, margin trends, ownership structure and peer set for Swaroop Finance Pvt Ltd - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Review suggested. Trust score 75/100, distress signals and MSME payment-delay disclosures - know whether Swaroop 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 Swaroop Finance Pvt Ltd - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Swaroop Finance Pvt Ltd an active company?
Swaroop Finance Pvt Ltd has MCA status “Active” with a compliance score of 58/100 (Moderate).
Is Swaroop Finance Pvt Ltd financially healthy?
Swaroop Finance Pvt Ltd has a Financial Health Score of 75/100 (Low Risk) based on its filed financial statements.
Should I do business with Swaroop Finance Pvt Ltd?
Its overall Trust Score is 75/100 (Low Risk). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Swaroop Finance Pvt Ltd?
Promoters hold a dominant controlling stake - exact percentages are in the full report. 3 active director(s) are on record.
Does Swaroop Finance Pvt Ltd have loans or charges against its assets?
No charges are registered against this company - an unencumbered balance sheet.
Is Swaroop Finance Pvt Ltd up to date with its ROC filings?
Balance sheet slightly behind (Mar 2024). Overall compliance score: 58/100 (Moderate).
Is it risky to lend to Swaroop Finance Pvt Ltd?
Its Credit Risk Score is 90/100 (Low Risk). 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.
