Universal Micro Credit - Due diligence report

A 360° intelligence report on Universal Micro Credit: trust score, financial health, credit view, compliance, directors, growth and distress…

2013-02-13 Bhopal, Madhya Pradesh Active Unlisted Active Non-Compliant
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Universal Micro Credit — 360° Intelligence Report

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

Universal Micro Credit is assessed as Low Risk with a Trust Score of 75/100. Universal Micro Credit is an active public not for profit company incorporated in 2013, operating in the Financial Services sector. Processed financial statements are not yet available for trend analysis. Based on MCA filings and public records, it currently shows a moderate compliance risk and an unassessed financial risk profile.

Report generated on 07 Oct 2026 from the latest processed filings. Universal Micro Credit snapshot & full profile →

Financial Health › No Data
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 ScoreNo Data
N/A
No processed financial statements available yet.
Credit Risk ScoreNo Data
N/A
Financial statements needed for a credit view.
Director Stability ScoreModerate
55/100
Board strength, DIN status, churn and network.
Growth ScoreNo Data
N/A
Needs at least two filed years to measure growth.
Distress ScoreLow Risk
90/100
Early-warning signals - higher means fewer warnings.
03

Financial Intelligence Dashboard

No processed financials
Financial statements are not yet processed for this company. Trend analysis will appear once filings are available.
04

Credit & Compliance Intelligence

Why the scores are what they are
Credit Risk Score: N/A No Data
  • Financial statements needed for a credit view.

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

Compliance Score: 70/100 Moderate
  • Company status is Active as per MCA.
  • Marked ACTIVE non-compliant (INC-22A).
  • No balance-sheet filing date on record.
05

Director Intelligence

Stability score: 55/100
NameDIN / PANDesignationAppointedTenureDIN status
BAPI MAJUMDAR 01234567 Director 01/04/2018 6 yrs Approved
RUMPA SARKAR 01234567 Director 01/04/2018 6 yrs Approved
AINDRILA MAJUMDAR 01234567 Director 01/04/2018 6 yrs Approved
  • 3 directors on the board.
  • BAPI MAJUMDAR has DIN status "Disqualified by RoC u/s 164(2)".
  • Stable board - no exits in 3 years.
  • Average tenure above 5 years.
06

Ownership & Group Intelligence

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
-

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth N/A · Distress 90
Growth signals & trust indicators
Operating for 13+ years.
Financials unavailable - score leans on compliance and governance signals.
Distress signals & risk flags
No critical warning flags detected in the available data.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence78/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • No distress signals on file.
  • No financials on record - ask for audited statements.
Banker assessment47/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
  • No filed financials - rely on banking statements and GST data.
  • No existing security registered - first-charge position available.
  • Compliance record supports lending.
Investor view55/100
Mixed indicators
Growth quality and scalability through an investor lens.
  • No clear growth signals in the filed years.
  • Request management accounts - public filings insufficient.
  • Management churn warrants questions.
09

MCA Filings & Events Timeline

Latest 6 events
14 Feb 2013
Director ceased
PINTU SARKAR
Director ceased
BAPPADITYA MAJUMDER
13 Feb 2013
Incorporated
Registered with Roc Gwalior
Director appointed
BAPI MAJUMDAR (Director)
Director appointed
RUMPA SARKAR (Director)
Director appointed
AINDRILA MAJUMDAR (Director)
10

Key Observations

Auto-generated from the data above
3 active director(s) / partner(s); review board churn before relying on management continuity.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Rosemerc Fashion Private Limited U18109MP2021PTC055956 Bhopal, Madhya Pradesh
Advitiya Imaging And Medical Systems Private Limited U85110MP2022PTC063556 Bhopal, Madhya Pradesh
Cloudycode Consultancy Services Private Limited U72900MP2022PTC059674 Bhopal, Madhya Pradesh
Evaya Consulting Private Limited U62099MP2023PTC067786 Bhopal, Madhya Pradesh
Adc Milk Products Private Limited U15400MP2021PTC056211 Bhopal, Madhya Pradesh
Cogniaiz Omnitech Private Limited U62011MP2025PTC075047 Bhopal, Madhya Pradesh
ADDEEZ AUTOTECH PRIVATE LIMITED U45200MP2024PTC073915 Bhopal, Madhya Pradesh
Northside Survey Solutions India Private Limited U74210MP2013PTC031608 Bhopal, Madhya Pradesh
ROCHIEL ENGINEERING AND ELECTRICAL CONTRACTORS LLP ABC-1151 Bhopal, Madhya Pradesh
Rudra Building Structure (Opc) Private Limited U45309MP2021OPC058929 Bhopal, Madhya Pradesh
12

Who Uses This Report

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

Verify Universal Micro Credit 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 Universal Micro Credit: 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 pending financials, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Mixed indicators. Growth score n/a, margin trends, ownership structure and peer set for Universal Micro Credit - 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 Universal Micro Credit 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 Universal Micro Credit - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Universal Micro Credit an active company?

Universal Micro Credit has MCA status “Active” with a compliance score of 70/100 (Moderate).

Is Universal Micro Credit financially healthy?

Processed financial statements are not yet available for Universal Micro Credit, so its financial health is unassessed.

Should I do business with Universal Micro Credit?

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 Universal Micro Credit?

See the directors and ownership sections above for board and shareholding detail. 3 active director(s) are on record.

Does Universal Micro Credit have loans or charges against its assets?

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

Is Universal Micro Credit up to date with its ROC filings?

Marked ACTIVE non-compliant (INC-22A). Overall compliance score: 70/100 (Moderate).

Is it risky to lend to Universal Micro Credit?

Filed financial statements are needed for a credit view - ask the company for audited statements and bank statements.

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.