Unicard Services Private Limited - Due diligence report

A 360° intelligence report on Unicard Services Private Limited: trust score, financial health, credit view, compliance, directors, growth an…

1995-02-20 Chennai, Tamil Nadu Active Unlisted Active Compliant
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Unicard Services Private Limited — 360° Intelligence Report

Generated from MCA filings & public records
75/100
Trust Score
Low Risk

Unicard Services Private Limited is assessed as Low Risk with a Trust Score of 75/100. Unicard Services Private Limited is an active private limited indian non-government company incorporated in 1995, operating in the Telecom sector. Reported revenue has declined 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 16 Jul 2026 from the latest processed filings. Unicard Services Private Limited snapshot & full profile →

Financial Health › Good
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
75/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
70/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
60/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
60/100
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 ScoreModerate
70/100
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: 60/100 Moderate
  • Liabilities ≈ 38% EBITDA - stretched.
  • No open charges - unencumbered balance sheet.
  • Working-capital cover adequate.
  • Profitable - internal accruals available.

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

Compliance Score: 70/100 Moderate
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • Flagged by authority: MCA, IRDA.
  • 1 active GST registration(s).
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
SRINIVASAN NARAYANASWAMY 01234567 Director 01/04/2018 6 yrs Approved
NARAYANASWAMY JAYASHREE 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 2023 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 dominant controlling stake - exact percentages are part of the full report.

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 50 · Distress 70
Growth signals & trust indicators
Latest year revenue grew 1.42.
Operating for 31+ years.
Active GST registration(s).
Distress signals & risk flags
Negative net worth.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence72/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • 1 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment62/100
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 record supports lending.
Investor view60/100
Mixed indicators
Growth quality and scalability through an investor lens.
  • 1 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 8 events
15 Nov 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
07 Jun 2022
Director ceased
SANDRA
20 May 2022
Director appointed
NARAYANASWAMY JAYASHREE (Additional Director)
16 Apr 2021
Director ceased
HANEEF MOHAMED AMEEN
02 Aug 2019
Director ceased
NARAYANASWAMY JAYASHREE
20 Feb 1995
Incorporated
Registered with Roc Chennai
Director appointed
SRINIVASAN NARAYANASWAMY (Director)
10

Key Observations

Auto-generated from the data above
Revenue declined 2.1x over the last 4 financial year(s).
Net profit margin moved from 24% to 0.86.
2 active director(s) / partner(s); board looks stable and experienced.
1 active GST registration(s) indicate ongoing business operations.
Promoters hold a dominant controlling stake as per the FY 2023 annual return.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Safesquid U72100MH2004PTC148591 Mumbai, Maharashtra, India
Certon Technologies Private Limited U72900PN2021PTC207169 Pune, Maharashtra, India
Privlage Aa Technologies Private Limited U72900KA2022PTC159361 Bangalore, Karnataka, India
Inzite Global Data Science Private Limited U72200KA2019PTC120937 Bangalore, Karnataka, India
Krab Media And Marketing Private Limited U22100KA2011PTC058875 Bangalore South, Karnataka, India
Serious Gaming Private Limited U72900TG2016PTC111865 Hyderabad, Telangana, India
Zen3 Itsolutions Private Limited U72900TG2020PTC140607 Serilingampally, Telangana, India
Payverticals Technology Private Limited U72900DL2020PTC366492 Delhi, Delhi, India
12

Who Uses This Report

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

Verify Unicard Services Private Limited before audits and certifications: compliance score 70/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Unicard Services 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 60/100, 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 Unicard Services Private Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 75/100, distress signals and MSME payment-delay disclosures - know whether Unicard Services 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 Unicard Services Private Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Unicard Services Private Limited an active company?

Unicard Services Private Limited has MCA status “Active” with a compliance score of 70/100 (Moderate).

Is Unicard Services Private Limited financially healthy?

Unicard Services Private Limited has a Financial Health Score of 60/100 (Moderate) based on its filed financial statements.

Should I do business with Unicard Services Private Limited?

Its overall Trust Score is 75/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Unicard Services Private Limited?

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

Does Unicard Services Private Limited have loans or charges against its assets?

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

Is Unicard Services Private Limited up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 70/100 (Moderate).

Is it risky to lend to Unicard Services Private Limited?

Its Credit Risk Score is 60/100 (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.