Valurate Chits Private Limited - Due diligence report

A 360° intelligence report on Valurate Chits Private Limited: trust score, financial health, credit view, compliance, directors, growth and …

2013-12-31 Pala, Kerala Active Unlisted Active Compliant
Share
VC Valurate Chits Private Limited
Full Due-Diligence Report + Documents
  • Unlock all financial figures & 5-year trends
  • Full trust, health & credit-risk scores
  • Director details, charges & MCA documents
₹700 ₹449 Save ₹251 excl. GST
Or from ₹279/report with credits View credit packages
Company Credits – Starter
  • One credit unlocks this full due-diligence report
  • Use across any company’s report, anytime
  • Credits valid for 12 months
× ₹700 ₹279 = ₹2,790 60% off
Choose your own credit amount View credit packages

Valurate Chits Private Limited — 360° Intelligence Report

Generated from MCA filings & public records
80/100
Trust Score
Low Risk

Valurate Chits Private Limited is assessed as Low Risk with a Trust Score of 80/100. Valurate Chits Private Limited is an active private limited indian non-government 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 low compliance risk and moderate financial risk profile.

Report generated on 22 Jul 2026 from the latest processed filings. Valurate Chits 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
80/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
100/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
65/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
45/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreCaution Indicated
45/100
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

Standalone · 1 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: 45/100 Caution Indicated
  • Liabilities ≈ 38% EBITDA - stretched.
  • No open charges - unencumbered balance sheet.
  • Elevated gearing (D/E 1.42).
  • Profitable - internal accruals available.

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

Compliance Score: 100/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
05

Director Intelligence

Stability score: 45/100
NameDIN / PANDesignationAppointedTenureDIN status
SHAJI JOSEPH 01234567 Director 01/04/2018 6 yrs Approved
JOSE JOSEPH 01234567 Director 01/04/2018 6 yrs Approved
JOJO THUDIYAMPLACKAL JOSEPH 01234567 Director 01/04/2018 6 yrs Approved
BOSE JOSEPH 01234567 Director 01/04/2018 6 yrs Approved
  • 4 directors on the board.
  • JOJO THUDIYAMPLACKAL JOSEPH has DIN status "Deactivated due to non-filing of DIR-3 KYC".
  • 1 director exit(s) in the last 3 years.
  • Average tenure above 5 years.
Director & KMP remuneration (FY 2017)
NameDesignationTotal remuneration
A K SharmaManaging Director2.4 cr
R MehtaWhole-time Director1.6 cr
S IyerCFO95.0 L

Remuneration is disclosed in the latest annual return. Unlock full report

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
0 allotment(s) · 2 transfer(s)

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

Key managerial personnel: SHAJI JOSEPH (Managing Director)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth N/A · Distress 90
Growth signals & trust indicators
Operating for 12+ years.
Distress signals & risk flags
No critical warning flags detected in the available data.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence91/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • No distress signals on file.
  • Financial filings available for verification.
Banker assessment65/100
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 view43/100
Limited indicators at present
Growth quality and scalability through an investor lens.
  • No clear growth signals in the filed years.
  • Margin and return trends computable from filings.
  • Management churn warrants questions.
09

MCA Filings & Events Timeline

Latest 13 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
02 Jan 2024
Director appointed
JOJO THUDIYAMPLACKAL JOSEPH (Director)
29 Sep 2023
Director ceased
BOSE JOSEPH
25 Oct 2022
Director appointed
BOSE JOSEPH (Director)
Director ceased
SONNET KATTIKANAL AUGUSTINE
30 Sep 2019
Director ceased
TREESA MARIA JOJO
10 Jul 2017
Director ceased
JOJO THUDIYAMPLACKAL JOSEPH
31 Mar 2016
Share transfer (FY 2016)
250.00000000 shares to Kattikanal Sonnet
Share transfer (FY 2016)
250.00000000 shares to Thudiyamplackal Jojo
31 Dec 2013
Incorporated
Registered with Roc Ernakulam
Director appointed
SHAJI JOSEPH (Managing Director)
Director appointed
JOSE JOSEPH (Director)
10

Key Observations

Auto-generated from the data above
Compliance record is strong - status, filings and flags are clean.
4 active director(s) / partner(s); review board churn before relying on management continuity.
Promoters hold a majority stake as per the FY 2017 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Karnika Commercials Pvt.Ltd. U51109WB1993PTC060243 Kolkata, West Bengal, India
3M Consultants Private Limited U74140MP2010PTC023387 Indore, Madhya Pradesh, India
Periyakulam City Benefit Fund Nidhi Limited U67200TN2011PLC083299 Periyakulam, Tamil Nadu, India
Akhand Bharat Chit Fund Private Limited U65992HR2007PTC036870 Baund Kalan, Haryana, India
Samuchitha Chits Private Limited U65992KL2009PTC025201 Thrissur, Kerala, India
Sprg Consultancy Services Private Limited U67190DL2015PTC288862 Janakpuri, Delhi, India
Plasma Vyapar Pvt Ltd U51909WB1993PTC057879 Kolkata, West Bengal, India
Vda Infoways Private Limited U72200WB2000PTC090920 Kolkata, West Bengal, India
12

Who Uses This Report

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

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

Company Secretaries (CS)

Track statutory health of Valurate Chits 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 45/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Limited indicators at present. Growth score n/a, margin trends, ownership structure and peer set for Valurate Chits Private Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 80/100, distress signals and MSME payment-delay disclosures - know whether Valurate Chits 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 Valurate Chits Private Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Valurate Chits Private Limited an active company?

Valurate Chits Private Limited has MCA status “Active” with a compliance score of 100/100 (Low Risk).

Is Valurate Chits Private Limited financially healthy?

Valurate Chits Private Limited has a Financial Health Score of 65/100 (Moderate) based on its filed financial statements.

Should I do business with Valurate Chits Private Limited?

Its overall Trust Score is 80/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Valurate Chits Private Limited?

Promoters hold a majority stake - exact percentages are in the full report. 4 active director(s) are on record.

Does Valurate Chits Private Limited have loans or charges against its assets?

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

Is Valurate Chits Private Limited up to date with its ROC filings?

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

Is it risky to lend to Valurate Chits Private Limited?

Its Credit Risk Score is 45/100 (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.