Promoter holding
64.27%
UT
Upkram Technologies Private Limited - Due diligence report
A 360° intelligence report on Credin: trust score, financial health, credit view, compliance, directors, growth and distress signals - gener…
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Credin — 360° Intelligence Report
Generated from MCA filings & public records81/100
Trust Score
Low Risk
Credin is assessed as Low Risk with a Trust Score of 81/100. Credin is an active private limited indian non-government company incorporated in 2019, operating in the Internet 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 low compliance risk and moderate financial risk profile.
Report generated on 12 Aug 2026 from the latest processed filings. Upkram 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.
02
Score Card
Higher is safer · rule-based & explainableTrust ScoreLow Risk
81/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
93/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
70/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
60/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
90/100
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: 60/100 Moderate
- Negative operating earnings - debt service depends on external support.
- No open charges - unencumbered balance sheet.
- Moderate gearing (D/E 38%).
- Working-capital cover adequate.
Charges position: 0 open (-) · 0 satisfied (-).
Compliance Score: 93/100 Low Risk
- Company status is Active as per MCA.
- Annual filings current (balance sheet Mar 2025).
- Litigation present in 1 court forum(s).
- 2 active GST registration(s).
Legal cases on record (1)
05
Director Intelligence
Stability score: 90/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| HEMENDRA MATHUR | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| BIRJU ASHVINKUMAR NAIK | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| BHADRESH KANTILAL MEHTA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| RUPESH BISHNOI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 4 directors on the board.
- No disqualified or deactivated DINs.
- 1 director exit(s) in the last 3 years.
- Average tenure above 5 years.
Director & KMP remuneration (FY 2023)
| 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 2023 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
24 allotment(s) · 3 transfer(s)
Promoters hold a dominant controlling stake - exact percentages are part of the full report.
| Group entity | Relationship | % held |
|---|---|---|
| Upkram Financial Services Private Limited | Subsidiary Company | 74.00% |
Full shareholding pattern, group structure & capital events →
07
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 7 years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Losses deepening year-on-year.
Outside liabilities up 0.86 in a year.
1 court case(s) on record - see the legal section for details.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence81/100
Favourable indicators
Suitability as a supplier / customer counterparty.
- Statutory record is clean.
- 2 distress signal(s) - see Risk Center.
- Financial filings available for verification.
Banker assessment71/100
Favourable lending indicators
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 view81/100
Positive growth indicators
Growth quality and scalability through an investor lens.
- 4 growth signal(s) detected.
- Margin and return trends computable from filings.
- Management team looks stable.
09
MCA Filings & Events Timeline
Latest 15 events30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
29 Sep 2024
Director ceased
HEMENDRA MATHUR
29 May 2024
Director appointed
HEMENDRA MATHUR (Director)
31 Mar 2023
Share transfer (FY 2023)
1950.00000000 shares to parag vinaychand shah
Share transfer (FY 2023)
1497.00000000 shares to parag vinaychand shah
Share transfer (FY 2023)
1180.00000000 shares to parag vinaychand shah
05 Jan 2023
Securities allotted
1984 Equity Shares - 50.00 Lakh raised
26 Nov 2022
Securities allotted
403 Equity Shares - 9.99 Lakh raised
07 Nov 2022
Securities allotted
403 Equity Shares - 9.99 Lakh raised
11 Oct 2022
Securities allotted
403 Equity Shares - 9.99 Lakh raised
19 Sep 2022
Securities allotted
403 Equity Shares - 9.99 Lakh raised
31 Jul 2022
Securities allotted
403 Equity Shares - 9.99 Lakh raised
30 May 2022
Securities allotted
403 Equity Shares - 9.99 Lakh raised
15 Mar 2022
Securities allotted
1608 Equity Shares - 39.88 Lakh raised
10
Key Observations
Auto-generated from the data aboveRevenue grew 61% over the last 3 financial year(s).
Net profit margin moved from 38% to 1.42.
Debt-to-equity stands at 2.1x - manageable leverage.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
4 active director(s) / partner(s); board looks stable and experienced.
2 active GST registration(s) indicate ongoing business operations.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a dominant controlling stake as per the FY 2023 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 24 security allotment(s) - amounts available in the full report.
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12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Credin before audits and certifications: compliance score 93/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Credin: 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: Favourable lending indicators. Credit risk score 60/100, 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 Credin - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Favourable indicators. Trust score 81/100, distress signals and MSME payment-delay disclosures - know whether Credin pays its suppliers before you extend credit terms.
Lawyers & Compliance Teams
Litigation footprint (1 case(s) on record), regulatory flags, charge documents trail and director networks for Credin - groundwork for KYC, onboarding and disputes.
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Frequently Asked Questions
Is Credin an active company?
Credin has MCA status “Active” with a compliance score of 93/100 (Low Risk).
Is Credin financially healthy?
Credin has a Financial Health Score of 70/100 (Moderate) based on its filed financial statements.
Should I do business with Credin?
Its overall Trust Score is 81/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Credin?
Promoters hold a dominant controlling stake - exact percentages are in the full report. 4 active director(s) are on record.
Does Credin have loans or charges against its assets?
No charges are registered against this company - an unencumbered balance sheet.
Is Credin up to date with its ROC filings?
Annual filings current (balance sheet Mar 2025). Overall compliance score: 93/100 (Low Risk).
Is it risky to lend to Credin?
Its Credit Risk Score is 60/100 (Moderate). Banker verdict: Favourable lending indicators.
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.
