Tower Overseas Limited - Due diligence report

A 360° intelligence report on Tower Overseas Limited: trust score, financial health, credit view, compliance, directors, growth and distress…

1986-12-16 Ahmedabad, Gujarat Active Unlisted Active Compliant
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Tower Overseas Limited — 360° Intelligence Report

Generated from MCA filings & public records
62/100
Trust Score
Moderate

Tower Overseas Limited is assessed as Moderate with a Trust Score of 62/100. Tower Overseas Limited is an active public limited indian non-government company incorporated in 1986, operating in the Financial Services sector. Reported revenue has declined 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 26 Jul 2026 from the latest processed filings. Tower Overseas Limited snapshot & full profile →

Financial Health › Caution
Overall Assessment CautionWeakNeutralGoodStrong Good
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
62/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
86/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
5/100
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
95/100
Board strength, DIN status, churn and network.
Growth ScoreCaution Indicated
40/100
Revenue, profit, asset and hiring momentum.
Distress ScoreCaution Indicated
40/100
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 (91.50 cr).

Banking relationships (from registered charges)
LenderChargesAmount
Hdfc Bank Limited1 48.0 cr
State Bank Of India1 48.0 cr
Kotak Mahindra Bank Ltd1 48.0 cr
Compliance Score: 86/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • Litigation present in 2 court forum(s).
  • 1 active GST registration(s).
Legal cases on record (2)
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
ARUNKUMAR CHAMPAKLAL NAGORI 01234567 Director 01/04/2018 6 yrs Approved
SHARADKUMAR PARMANAND MUCHHALA 01234567 Director 01/04/2018 6 yrs Approved
VIMAL RAMNIKLAL AMBANI 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.
Director & KMP remuneration (FY 2021)
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 2021 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
1 allotment(s) · 5 transfer(s)

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

Key managerial personnel: VIMAL RAMNIKLAL AMBANI (Managing Director)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 40 · Distress 40
Growth signals & trust indicators
Operating for 39+ years.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
Losses deepening year-on-year.
Negative net worth.
2 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence65/100
Review suggested
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • 3 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment43/100
Enhanced diligence advised
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 view33/100
Limited indicators at present
Growth quality and scalability through an investor lens.
  • No clear growth signals in the filed years.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 15 events
18 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
31 Mar 2019
Share transfer (FY 2019)
2800.00000000 shares to LLP REAL ESTATES SEVATI
31 Mar 2016
Share transfer (FY 2016)
137500.00000000 shares
Share transfer (FY 2016)
409700.00000000 shares to VIMAL SONAL
Share transfer (FY 2016)
225000.00000000 shares
Share transfer (FY 2016)
175000.00000000 shares to HIRACHAND RAMNIKLAL
05 Oct 2015
Charge satisfied
Hdfc Bank Limited
17 Mar 2011
Charge satisfied
State Bank Of India
30 Sep 2010
Director ceased
ARUNKUMAR CHAMPAKLAL NAGORI
20 Jan 2010
Director appointed
ARUNKUMAR CHAMPAKLAL NAGORI (Director)
Director ceased
MEENA RAMNIKLAL AMBANI
05 Nov 2009
Charge satisfied
Kotak Mahindra Bank Ltd
21 Feb 2009
Securities allotted
2500000.00 Equity Shares - 2.50 cr raised
01 Dec 2008
Charge created
State Bank Of India - 30.00 cr
10

Key Observations

Auto-generated from the data above
Revenue declined 38% over the last 4 financial year(s).
Net profit margin moved from 1.42 to 2.1x.
Compliance record is strong - status, filings and flags are clean.
3 active director(s) / partner(s); board looks stable and experienced.
1 active GST registration(s) indicate ongoing business operations.
All 3 registered charge(s) stand satisfied - past borrowings repaid.
Promoters hold a dominant controlling stake as per the FY 2021 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 1 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Miaray Ventures Private Limited U74999TN2017PTC120225 Chennai, Tamil Nadu, India
Century Alloy India Private Limited U51909DL2021PTC388657 Delhi, Delhi, India
Apex Spinning Mills Pvt Ltd U17120MH1991PTC062121 Nagpur (Urban), Maharashtra, India
Kirans India Jewels Private Limited U36911MH2005PTC157811 Mumbai, Maharashtra, India
Adcon Products Private Limited U47219GJ2008PTC054879 Ahmadabad City, Gujarat, India
Sunil Solvent Extraction Private Limited U51109WB1991PTC050652 Kolkata, West Bengal, India
Electronics & Controls Private Limited U30007TN1990PTC018855 Adyar,Chennai-600020, Tamil Nadu, India
Zahava Pharmaceutical Private Limited U52311BR2020PTC045260 Kishanganj, Bihar, India
12

Who Uses This Report

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

Verify Tower Overseas Limited before audits and certifications: compliance score 86/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Tower Overseas Limited: 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 45/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Limited indicators at present. Growth score 40/100, margin trends, ownership structure and peer set for Tower Overseas Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Review suggested. Trust score 62/100, distress signals and MSME payment-delay disclosures - know whether Tower Overseas Limited pays its suppliers before you extend credit terms.

Lawyers & Compliance Teams

Litigation footprint (2 case(s) on record), regulatory flags, charge documents trail and director networks for Tower Overseas Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Tower Overseas Limited an active company?

Tower Overseas Limited has MCA status “Active” with a compliance score of 86/100 (Low Risk).

Is Tower Overseas Limited financially healthy?

Tower Overseas Limited has a Financial Health Score of 5/100 (Caution Indicated) based on its filed financial statements.

Should I do business with Tower Overseas Limited?

Its overall Trust Score is 62/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Tower Overseas Limited?

Promoters hold a dominant controlling stake - exact percentages are in the full report. 3 active director(s) are on record.

Does Tower Overseas Limited have loans or charges against its assets?

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

Is Tower Overseas Limited up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 86/100 (Low Risk).

Is it risky to lend to Tower Overseas Limited?

Its Credit Risk Score is 45/100 (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.