Uma Devi Chit Private Limited - Due diligence report

A 360° intelligence report on Uma Devi Chit Private Limited: trust score, financial health, credit view, compliance, directors, growth and d…

1994-05-16 Salem, Tamil Nadu Active Unlisted Active Non-Compliant
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Uma Devi Chit Private Limited — 360° Intelligence Report

Generated from MCA filings & public records
72/100
Trust Score
Moderate

Uma Devi Chit Private Limited is assessed as Moderate with a Trust Score of 72/100. Uma Devi Chit Private Limited is an active private limited indian non-government company incorporated in 1994, 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 moderate financial risk profile.

Report generated on 10 Jul 2026 from the latest processed filings. Uma Devi Chit Private Limited snapshot & full profile →

Financial Health › Strong
Overall Assessment CautionWeakNeutralGoodStrong Strong
Compliance › Neutral

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
72/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
50/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
70/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
55/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
50/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
75/100
Early-warning signals - higher means fewer warnings.
03

Financial Intelligence Dashboard

Standalone · 3 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: 55/100 Moderate
  • Negative operating earnings - debt service depends on external support.
  • No open charges - unencumbered balance sheet.
  • Profitable - internal accruals available.

Charges position: 0 open (-) · 0 satisfied (-).

Compliance Score: 50/100 Moderate
  • Company status is Active as per MCA.
  • Marked ACTIVE non-compliant (INC-22A).
  • Annual filings current (balance sheet Mar 2025).
  • Flagged by authority: MCA.
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
NAGAPPAN NAGAPPAN 01234567 Director 01/04/2018 6 yrs Approved
NACHAMMAI NAGAPPAN 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.
06

Ownership & Group Intelligence

As per FY 2017 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
-

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

Key managerial personnel: NAGAPPAN NAGAPPAN (Managing Director)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 50 · Distress 75
Growth signals & trust indicators
Operating for 32+ years.
Distress signals & risk flags
Revenue declined year-on-year.
Compliance score is weak (50/100).
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence64/100
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 assessment58/100
Mixed indicators - deeper appraisal suggested
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 view62/100
Mixed indicators
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 6 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
11 Jun 2019
Director ceased
DEVI NAGAPPAN
30 Sep 1999
Director appointed
NAGAPPAN NAGAPPAN (Managing Director)
Director appointed
NACHAMMAI NAGAPPAN (Director)
16 May 1994
Incorporated
Registered with Roc Coimbatore
10

Key Observations

Auto-generated from the data above
Revenue grew 38% over the last 2 financial year(s).
Net profit margin moved from 1.42 to 2.1x.
Net worth is positive.
2 active director(s) / partner(s); board looks stable and experienced.
Promoters hold a minority stake as per the FY 2017 annual return.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Shri Manjunath Chits Private Limited U65992KA1998PTC023259 Bijapur, Karnataka, India
Filmcity Finance Private Limited U67120MH1995PTC086374 Mumbai, Maharashtra, India
Nirvani Securities And Finance Private Limited U65990MH1996PTC096314 Mulund West, Maharashtra, India
Vcfo Services Private Limited U67190KA2013PTC072275 Hombegowdanagar Bangalore, Karnataka, India
Ajit Tradecom Private Limited U51109WB2010PTC148775 Howrah, West Bengal, India
Ashish Finco Pvt Ltd U67120WB1995PTC075646 Kolkata, West Bengal, India
Janasradha Kuries Private Limited U65992KL2006PTC019916 Thrissur District, Kerala, India
Nawkar Fiscal Services Pvt Ltd U65929WB1990PTC049605 Kolkata, West Bengal, India
12

Who Uses This Report

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

Verify Uma Devi Chit Private Limited before audits and certifications: compliance score 50/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Uma Devi Chit Private 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: 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: Mixed indicators. Growth score 50/100, margin trends, ownership structure and peer set for Uma Devi Chit Private Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Review suggested. Trust score 72/100, distress signals and MSME payment-delay disclosures - know whether Uma Devi Chit Private Limited 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 Uma Devi Chit Private Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Uma Devi Chit Private Limited an active company?

Uma Devi Chit Private Limited has MCA status “Active” with a compliance score of 50/100 (Moderate).

Is Uma Devi Chit Private Limited financially healthy?

Uma Devi Chit Private Limited has a Financial Health Score of 70/100 (Moderate) based on its filed financial statements.

Should I do business with Uma Devi Chit Private Limited?

Its overall Trust Score is 72/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Uma Devi Chit Private Limited?

Promoters hold a minority stake - exact percentages are in the full report. 2 active director(s) are on record.

Does Uma Devi Chit Private Limited have loans or charges against its assets?

No charges are registered against this company - an unencumbered balance sheet.

Is Uma Devi Chit Private Limited up to date with its ROC filings?

Marked ACTIVE non-compliant (INC-22A). Overall compliance score: 50/100 (Moderate).

Is it risky to lend to Uma Devi Chit Private Limited?

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.