Promoter holding
64.27%
UT
Udma Technologies Private Limited - Due diligence report
A 360° intelligence report on Yuva Pay: trust score, financial health, credit view, compliance, directors, growth and distress signals - gen…
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Yuva Pay — 360° Intelligence Report
Generated from MCA filings & public records65/100
Trust Score
Moderate
Yuva Pay is assessed as Moderate with a Trust Score of 65/100. Yuva Pay is an active private limited indian non-government company incorporated in 2016, 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 moderate compliance risk and moderate financial risk profile.
Report generated on 09 Jul 2026 from the latest processed filings. Udma Technologies Private 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.
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Score Card
Higher is safer · rule-based & explainableTrust ScoreModerate
65/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
65/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
50/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
35/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreModerate
55/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
90/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
65/100
Early-warning signals - higher means fewer warnings.
03
Financial Intelligence Dashboard
Standalone · 4 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: 35/100 Caution Indicated
- Negative operating earnings - debt service depends on external support.
- Elevated gearing (D/E 38%).
- Working-capital cover adequate.
Charges position: 1 open (13.89 Lakh) · 0 satisfied (-).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Hdfc Bank Limited | 1 | 48.0 cr |
Compliance Score: 65/100 Moderate
- Company status is Active as per MCA.
- Last balance sheet is for Mar 2021 - filings overdue.
- 1 auditor resignation(s) filed - latest: K Padmanabha Kanchan on 2020-03-16.
- 1 active GST registration(s).
05
Director Intelligence
Stability score: 55/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| PAVAN ANIL BAKERI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| NAIK SHANKAR | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| PRASHANTH | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 3 directors on the board.
- NAIK SHANKAR has DIN status "Deactivated due to non-filing of DIR-3 KYC".
- Stable board - no exits in 3 years.
- Average tenure above 5 years.
Director & KMP remuneration (FY 2021)
| 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 2021 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
5 allotment(s) · 0 transfer(s)
Promoters hold a majority stake - exact percentages are part of the full report.
Full shareholding pattern, group structure & capital events →
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Risk Intelligence Center
Growth 90 · Distress 65
Growth signals & trust indicators
Revenue acceleration: +1.42 over 3 year(s).
Latest year revenue grew 2.1x.
Asset base grew 24% - capacity expansion.
EPFO headcount growing - hiring signal.
Operating for 10+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Losses deepening year-on-year.
Statutory filings appear overdue.
1 open charge(s) registered - assets are encumbered.
1 auditor resignation(s) on record - review the stated reasons.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence65/100
Review suggested
Suitability as a supplier / customer counterparty.
- Check the compliance flags before onboarding.
- 2 distress signal(s) - see Risk Center.
- Financial filings available for verification.
Banker assessment47/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 1 open charge(s) of 13.89 Lakh already registered.
- Compliance gaps should be priced into terms.
Investor view70/100
Positive growth indicators
Growth quality and scalability through an investor lens.
- 4 growth signal(s) detected.
- Margin and return trends computable from filings.
- Management churn warrants questions.
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MCA Filings & Events Timeline
Latest 15 events15 Dec 2021
Last AGM held
Annual general meeting
31 Mar 2021
Latest balance sheet
Filed with ROC
31 Dec 2020
Director ceased
ANOOP KOSHY GEORGE
Charge created
Hdfc Bank Limited - 13.89 Lakh
30 Sep 2019
Director ceased
PAVAN ANIL BAKERI
25 Feb 2019
Director appointed
PAVAN ANIL BAKERI (Director)
01 Oct 2018
Securities allotted
1718 Equity Shares - 30.00 Lakh raised
14 Jun 2018
Securities allotted
30000 Preference Shares - 3.00 Lakh raised
07 Jun 2018
Securities allotted
5000 Preference Shares - 50,000.00 raised
02 Jun 2018
Securities allotted
45000 Preference Shares - 4.50 Lakh raised
07 Jul 2017
Director ceased
SHIVAPRASAD KARKALA
25 Jan 2017
Securities allotted
100000 Preference Shares - 10.00 Lakh raised
09 Jun 2016
Incorporated
Registered with Roc Bangalore
Director appointed
NAIK SHANKAR (Director)
Director appointed
PRASHANTH (Director)
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Key Observations
Auto-generated from the data aboveRevenue grew 0.86 over the last 3 financial year(s).
Net profit margin moved from 61% to 38%.
Debt-to-equity stands at 1.42 - leverage worth monitoring.
Net worth is positive.
3 active director(s) / partner(s); review board churn before relying on management continuity.
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 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 5 security allotment(s) - amounts available in the full report.
| Company | CIN | Location |
|---|---|---|
| Captor Polymers Private Limited | U24139DL2005PTC144292 | Delhi, Delhi, India |
| Alps Forex & Travels Private Limited | U65999WB2019PTC232089 | Kolkata, West Bengal, India |
| Prabha Chits Private Limited | U65992TN2002PTC048484 | Kanyakumari D.T., Tamil Nadu, India |
| Mangaldayak Chit Funds Pvt Ltd | U65992TG1982PTC003407 | Hyderabad, Telangana, India |
| Kbs Chits (Gokak) Private Limited | U65992KA2005PTC036614 | Gokak, Karnataka, India |
| Desire Distributors Private Limited | U74999WB2011PTC160817 | Kolkata, West Bengal, India |
| Ultimate Mangement And Financial Services Pvt Ltd | U74140RJ1996PTC012092 | Kota, Rajasthan, India |
| Pegasus Finance Company Private Limited | U65910MH1992PTC066851 | Cuffe Parade Colaba, Maharashtra, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Yuva Pay before audits and certifications: compliance score 65/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Yuva Pay: 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 35/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Positive growth indicators. Growth score 90/100, margin trends, ownership structure and peer set for Yuva Pay - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Review suggested. Trust score 65/100, distress signals and MSME payment-delay disclosures - know whether Yuva Pay 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 Yuva Pay - groundwork for KYC, onboarding and disputes.
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Frequently Asked Questions
Is Yuva Pay an active company?
Yuva Pay has MCA status “Active” with a compliance score of 65/100 (Moderate).
Is Yuva Pay financially healthy?
Yuva Pay has a Financial Health Score of 50/100 (Moderate) based on its filed financial statements.
Should I do business with Yuva Pay?
Its overall Trust Score is 65/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Yuva Pay?
Promoters hold a majority stake - exact percentages are in the full report. 3 active director(s) are on record.
Does Yuva Pay have loans or charges against its assets?
1 open charge(s) are registered against its assets.
Is Yuva Pay up to date with its ROC filings?
Last balance sheet is for Mar 2021 - filings overdue. Overall compliance score: 65/100 (Moderate).
Is it risky to lend to Yuva Pay?
Its Credit Risk Score is 35/100 (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.
