Symphony Fintech Solutions Private Limited - Due diligence report

A 360° intelligence report on Symphony: trust score, financial health, credit view, compliance, directors, growth and distress signals - gen…

2001-09-07 Mumbai, Maharashtra Active Unlisted Active Compliant
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SF Symphony Fintech Solutions Private Limited
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  • Full trust, health & credit-risk scores
  • Director details, charges & MCA documents
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Symphony — 360° Intelligence Report

Generated from MCA filings & public records
94/100
Trust Score
Low Risk

Symphony is assessed as Low Risk with a Trust Score of 94/100. Symphony is an active private limited indian non-government company incorporated in 2001, operating in the Information Technology 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 low compliance risk and low financial risk profile.

Report generated on 16 Jul 2026 from the latest processed filings. Symphony Fintech Solutions Private Limited 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
94/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
92/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
95/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreLow Risk
95/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
95/100
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: 95/100 Low Risk
  • Liabilities ≈ 38% EBITDA - serviceable.
  • Moderate gearing (D/E 1.42).
  • Working-capital cover adequate.
  • Profitable - internal accruals available.

Charges position: 1 open (28.10 Lakh) · 1 satisfied (47.70 Lakh).

Banking relationships (from registered charges)
LenderChargesAmount
Others1 48.0 cr
Bank Of India1 48.0 cr
Compliance Score: 92/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • Delayed payments to MSME suppliers disclosed (1 disclosure(s)).
  • 1 active GST registration(s).
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
JAIPRAKASH DAULATRAM GUPTA 01234567 Director 01/04/2018 6 yrs Approved
PRAVEEN KUMAR GUPTA 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.
Director & KMP remuneration (FY 2025)
NameDesignationTotal remuneration
A K SharmaManaging Director2.4 cr
R MehtaWhole-time Director1.6 cr
S IyerCFO95.0 L

Remuneration is disclosed in the latest annual return. Unlock full report

06

Ownership & Group Intelligence

As per FY 2025 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
Comtel Infosystems Private Limited
Subsidiaries
-
Group entities
-
Capital events
32 allotment(s) · 5 transfer(s)

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

Group entityRelationship% held
Comtel Infosystems Private Limited Holding Company 74.00%

Key managerial personnel: PRAVEEN KUMAR GUPTA (Managing Director)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 95 · Distress 90
Growth signals & trust indicators
Revenue acceleration: +2.1x over 4 year(s).
Latest year revenue grew 24%.
Profit expanded 0.86 year-on-year.
Asset base grew 61% - capacity expansion.
Net margin improved to 38%.
EPFO headcount growing - hiring signal.
Operating for 24+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
1 open charge(s) registered - assets are encumbered.
MSME payment delays disclosed - latest outstanding 40.37 Lakh.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence92/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • No distress signals on file.
  • Financial filings available for verification.
Banker assessment94/100
Favourable lending indicators
Indicative lending comfort for banks, NBFCs and trade credit.
  • Debt capacity assessed from filed statements.
  • 1 open charge(s) of 28.10 Lakh already registered.
  • Compliance record supports lending.
Investor view95/100
Positive growth indicators
Growth quality and scalability through an investor lens.
  • 6 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 15 events
15 Oct 2025
Charge satisfied
Others
18 Sep 2025
Charge created
Bank Of India - 28.10 Lakh
30 Jul 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
26 Mar 2022
Securities allotted
136700 Equity Shares - 41.01 Lakh raised
25 Mar 2022
Securities allotted
221660 Equity Shares - 66.50 Lakh raised
23 Mar 2022
Securities allotted
383340 Equity Shares - 1.15 cr raised
17 Mar 2022
Securities allotted
623333 Equity Shares - 62.33 Lakh raised
16 Mar 2022
Securities allotted
11667 Equity Shares - 3.50 Lakh raised
11 Mar 2022
Securities allotted
800000 Equity Shares - 2.40 cr raised
10 Mar 2022
Securities allotted
333333 Equity Shares - 100.00 Lakh raised
14 Oct 2021
Securities allotted
74 Debentures - 74.00 Lakh raised
04 Oct 2021
Securities allotted
25 Debentures - 25.00 Lakh raised
30 Aug 2021
Securities allotted
25 Debentures - 25.00 Lakh raised
06 Aug 2021
Securities allotted
26 Debentures - 26.00 Lakh raised
10

Key Observations

Auto-generated from the data above
Revenue grew 1.42 over the last 4 financial year(s).
Net profit margin moved from 2.1x to 24%.
Debt-to-equity stands at 0.86 - 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.
1 active GST registration(s) indicate ongoing business operations.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a dominant controlling stake as per the FY 2025 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 32 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Jopinc Private Limited U72200DL2021FTC377338 New Delhi, Delhi, India
Shoghi Communications U15200HP1998PLC021981 Himachal Pradesh, Himachal Pradesh, India
Nivetti Systems U72200KA2014PTC073690 Bangalore, Karnataka, India
12

Who Uses This Report

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

Verify Symphony before audits and certifications: compliance score 92/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Symphony: 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 95/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Positive growth indicators. Growth score 95/100, margin trends, ownership structure and peer set for Symphony - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 94/100, distress signals and MSME payment-delay disclosures - know whether Symphony 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 Symphony - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Symphony an active company?

Symphony has MCA status “Active” with a compliance score of 92/100 (Low Risk).

Is Symphony financially healthy?

Symphony has a Financial Health Score of 95/100 (Low Risk) based on its filed financial statements.

Should I do business with Symphony?

Its overall Trust Score is 94/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Symphony?

The ultimate holding entity is Comtel Infosystems Private Limited. 2 active director(s) are on record.

Does Symphony have loans or charges against its assets?

1 open charge(s) are registered against its assets, and 1 earlier charge(s) stand satisfied.

Is Symphony up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 92/100 (Low Risk).

Is it risky to lend to Symphony?

Its Credit Risk Score is 95/100 (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.