Promoter holding
64.27%
TR
The Ruby Mills Limited - Due diligence report
A 360° intelligence report on The Ruby Mills: trust score, financial health, credit view, compliance, directors, growth and distress signals…
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The Ruby Mills — 360° Intelligence Report
Generated from MCA filings & public records78/100
Trust Score
Low Risk
The Ruby Mills is assessed as Low Risk with a Trust Score of 78/100. The Ruby Mills is an active public limited indian non-government company incorporated in 1917, 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 high compliance risk and low financial risk profile.
Report generated on 29 Jun 2026 from the latest processed filings. The Ruby Mills Limited 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
78/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
42/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
95/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
55/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
90/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
80/100
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 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: 55/100 Moderate
- Liabilities ≈ 38% EBITDA - stretched.
- Open charges exceed net worth - secured lenders rank ahead.
- Moderate gearing (D/E 1.42).
- Working-capital cover adequate.
- Profitable - internal accruals available.
Charges position: 10 open (618.67 cr) · 35 satisfied (1,190.31 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Others | 13 | 48.0 cr |
| Allahabad Bank | 3 | 48.0 cr |
| Axis Bank (Acting As An Agent And Authorised Representative Of Allahabad Bank And Andhra Bank) | 1 | 48.0 cr |
| Andhra Bank - Chembur Branch | 1 | 48.0 cr |
| Bank Of India | 10 | 48.0 cr |
| Axis Bank Limited | 1 | 48.0 cr |
Compliance Score: 42/100 Caution Indicated
- Company status is Active as per MCA.
- Annual filings current (balance sheet Mar 2025).
- Flagged by authority: BSE, DRT.
- Litigation present in 4 court forum(s).
- Delayed payments to MSME suppliers disclosed (8 disclosure(s)).
- 1 active GST registration(s).
Legal cases on record (4)
05
Director Intelligence
Stability score: 90/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| JASVANTI AMAR PATEL | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Anuradha Nishikant Tendulkar | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| DEEPAK RAMESHCHANDRA SHAH | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| PURAV HIREN SHAH | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| RAHUL GAUTAM DIVAN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| PARAS KHIMJI SAVLA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| PURAV HIREN SHAH | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| GURUDAS VISHWAS ARAS | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| HIREN MANHARLAL SHAH | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| VIRAJ MANHARLAL SHAH | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| BHARAT MANHARLAL SHAH | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| MEHERNOSH RUSI CURRAWALLA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 12 directors on the board.
- No disqualified or deactivated DINs.
- 2 director exit(s) in the last 3 years.
- Average tenure above 5 years.
Director & KMP remuneration (FY 2023)
| Name | Designation | Total remuneration |
|---|---|---|
| A K Sharma | Managing Director | 2.4 cr |
| R Mehta | Whole-time Director | 1.6 cr |
| S Iyer | CFO | 95.0 L |
Remuneration is disclosed in the latest annual return. Unlock full report
06
Ownership & Group Intelligence
As per FY 2023 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
-
Promoters hold a majority stake - exact percentages are part of the full report.
Key managerial personnel: PURAV HIREN SHAH (CEO) · PURAV HIREN SHAH (Whole-time director) · VIRAJ MANHARLAL SHAH (Managing Director) · BHARAT MANHARLAL SHAH (Managing Director)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 80 · Distress 90
Growth signals & trust indicators
Steady revenue growth: +2.1x over 4 year(s).
Latest year revenue grew 24%.
Profit expanded 0.86 year-on-year.
Operating for 109+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Compliance score is weak (42/100).
10 open charge(s) registered - assets are encumbered.
MSME payment delays disclosed - latest outstanding 35.56 Lakh.
4 court case(s) on record - see the legal section for details.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence67/100
Review suggested
Suitability as a supplier / customer counterparty.
- Check the compliance flags before onboarding.
- No distress signals on file.
- Financial filings available for verification.
Banker assessment64/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 10 open charge(s) of 618.67 cr already registered.
- Compliance gaps should be priced into terms.
Investor view85/100
Positive growth indicators
Growth quality and scalability through an investor lens.
- 3 growth signal(s) detected.
- Margin and return trends computable from filings.
- Management team looks stable.
09
MCA Filings & Events Timeline
Latest 15 events27 Dec 2025
Director appointed
PARAS KHIMJI SAVLA (Additional Director)
09 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
01 Feb 2025
Charge satisfied
Bank Of India
31 Dec 2024
Charge created
Others - 250.00 cr
26 Nov 2024
Director ceased
GURUDAS VISHWAS ARAS
24 Sep 2024
Director ceased
SHARDUL JASHWANT THACKER
20 Sep 2024
Director appointed
GURUDAS VISHWAS ARAS (Director)
01 Dec 2022
Charge created
Others - 10.00 cr
24 Nov 2022
Charge satisfied
Bank Of India
22 Jun 2022
Charge satisfied
Others
07 May 2022
Director appointed
Anuradha Nishikant Tendulkar (Company Secretary)
19 Mar 2022
Charge created
Others - 6.00 cr
24 Dec 2021
Charge created
Others - 82.49 Lakh
22 Dec 2021
Charge created
Others - 10.53 cr
10
Key Observations
Auto-generated from the data aboveRevenue grew 61% over the last 4 financial year(s).
Net profit margin moved from 38% to 1.42.
Debt-to-equity stands at 2.1x - manageable leverage.
Net worth is positive.
12 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 majority stake as per the FY 2023 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
| Company | CIN | Location |
|---|---|---|
| Binayak Tex Processors Ltd | L17110MH1983PLC030245 | Mumbai, Maharashtra, India |
| Subhash Polytex Limited | U70101MH1972PLC015982 | Mumbai, Maharashtra, India |
| Saanika Polytex Private Limited | U17309GJ2019PTC110499 | Surat, Gujarat, India |
| Aarvee Denims & Exports | L13121GJ1988PLC010504 | Daskroi, Gujarat, India |
| P.A. Footwear Private Limited | U93090TN1987PTC014628 | Chengai Mgr District, Tamil Nadu, India |
| Siva Swati Textile Private Limited | U17300AP2005PTC045340 | Ganapavaram, Andhra Pradesh, India |
| Shivmahal Textiles Private Limited | U17118RJ2002PTC017386 | Bhilwara, Rajasthan, India |
| Amer-Sil Ketex Private Limited | U30006WB1990PTC077173 | Kharagpur, West Bengal, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify The Ruby Mills before audits and certifications: compliance score 42/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of The Ruby Mills: 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 55/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Positive growth indicators. Growth score 80/100, margin trends, ownership structure and peer set for The Ruby Mills - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Review suggested. Trust score 78/100, distress signals and MSME payment-delay disclosures - know whether The Ruby Mills pays its suppliers before you extend credit terms.
Lawyers & Compliance Teams
Litigation footprint (4 case(s) on record), regulatory flags, charge documents trail and director networks for The Ruby Mills - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is The Ruby Mills an active company?
The Ruby Mills has MCA status “Active” with a compliance score of 42/100 (Caution Indicated).
Is The Ruby Mills financially healthy?
The Ruby Mills has a Financial Health Score of 95/100 (Low Risk) based on its filed financial statements.
Should I do business with The Ruby Mills?
Its overall Trust Score is 78/100 (Low Risk). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls The Ruby Mills?
Promoters hold a majority stake - exact percentages are in the full report. 12 active director(s) are on record.
Does The Ruby Mills have loans or charges against its assets?
10 open charge(s) are registered against its assets, and 35 earlier charge(s) stand satisfied.
Is The Ruby Mills up to date with its ROC filings?
Annual filings current (balance sheet Mar 2025). Overall compliance score: 42/100 (Caution Indicated).
Is it risky to lend to The Ruby Mills?
Its Credit Risk Score is 55/100 (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.
