Vanshika Micro Credit - Due diligence report

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

2016-07-15 Noida, Uttar Pradesh Active Unlisted Active Compliant
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Vanshika Micro Credit — 360° Intelligence Report

Generated from MCA filings & public records
76/100
Trust Score
Low Risk

Vanshika Micro Credit is assessed as Low Risk with a Trust Score of 76/100. Vanshika Micro Credit is an active private not for profit company incorporated in 2016, 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 high financial risk profile.

Report generated on 09 Aug 2026 from the latest processed filings. Vanshika Micro Credit snapshot & full profile →

Financial Health › Weak
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
76/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
100/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
35/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
20/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
75/100
Board strength, DIN status, churn and network.
Growth ScoreNo Data
N/A
Needs at least two filed years to measure growth.
Distress ScoreLow Risk
80/100
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: 20/100 Caution Indicated
  • Liabilities ≈ 38% EBITDA - stretched.
  • Open charges exceed net worth - secured lenders rank ahead.
  • Elevated gearing (D/E 1.42).

Charges position: 1 open (5.00 cr) · 0 satisfied (-).

Banking relationships (from registered charges)
LenderChargesAmount
Others1 48.0 cr
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: 75/100
NameDIN / PANDesignationAppointedTenureDIN status
Ranjeet Kumar Verma 01234567 Director 01/04/2018 6 yrs Approved
Vinay Kumar Jha 01234567 Director 01/04/2018 6 yrs Approved
  • 2 directors on the board.
  • No disqualified or deactivated DINs.
  • 10 director exits in 3 years - high churn.
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) · 4 transfer(s)

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 N/A · Distress 80
Growth signals & trust indicators
Operating for 10+ years.
Distress signals & risk flags
10 director exits within 2 years.
1 open charge(s) registered - assets are encumbered.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence87/100
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 assessment44/100
Enhanced diligence advised
Indicative lending comfort for banks, NBFCs and trade credit.
  • Debt capacity assessed from filed statements.
  • 1 open charge(s) of 5.00 cr already registered.
  • Compliance record supports lending.
Investor view31/100
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 team looks stable.
09

MCA Filings & Events Timeline

Latest 15 events
20 Nov 2025
Charge created
Others - 5.00 cr
30 Sep 2025
Last AGM held
Annual general meeting
29 Sep 2025
Director ceased
Ranjeet Kumar Verma
Director ceased
Vinay Kumar Jha
16 May 2025
Director appointed
Vinay Kumar Jha (Director)
31 Mar 2025
Latest balance sheet
Filed with ROC
18 Dec 2024
Director appointed
Ranjeet Kumar Verma (Director)
21 Nov 2024
Director ceased
Sumit Sharma
Director ceased
Pratibha Kumar
13 Nov 2024
Director ceased
VIRENDRA PRATAP SINGH
Director ceased
SUMAN SINGH
12 Nov 2024
Director ceased
CHANDU SINGH
Director ceased
VIJAY PRAJAPATI KUMAR
Director ceased
MANISH KUMAR
Director ceased
VIJAY PRAKASH
10

Key Observations

Auto-generated from the data above
Compliance record is strong - status, filings and flags are clean.
2 active director(s) / partner(s); board looks stable and experienced.
Promoters hold a dominant controlling stake as per the FY 2017 annual return.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Bigtime E-Solutions Private Limited U72300UP2009PTC037497 Kanpur, Uttar Pradesh, India
Diamond Vintrade Private Limited U51909WB2008PTC130522 Kolkata, West Bengal, India
Suryahanuman Chits Private Limited U65992AP2013PTC086690 Eluru, Andhra Pradesh, India
Eastern Spinnhutte Ltd U17122WB1994PLC064110 Kolkata, West Bengal, India
Royal Madras Finance & Investment Corporation Private Ltd U67190TN1982PTC009762 Chennai, Tamil Nadu, India
Visionadhar Multitrade Private Limited U74120UP2012PTC051734 Gorakhpur, Uttar Pradesh, India
Rhea Tradecom Private Limited U51909WB2010PTC151349 Kolkata, West Bengal, India
Kunnath Chits India Private Limited U65992KL2000PTC013862 Alleppy, Kerala, India
12

Who Uses This Report

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

Verify Vanshika Micro Credit 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 Vanshika 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: Enhanced diligence advised. Credit risk score 20/100, 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 Vanshika Micro Credit - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 76/100, distress signals and MSME payment-delay disclosures - know whether Vanshika 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 Vanshika Micro Credit - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Vanshika Micro Credit an active company?

Vanshika Micro Credit has MCA status “Active” with a compliance score of 100/100 (Low Risk).

Is Vanshika Micro Credit financially healthy?

Vanshika Micro Credit has a Financial Health Score of 35/100 (Caution Indicated) based on its filed financial statements.

Should I do business with Vanshika Micro Credit?

Its overall Trust Score is 76/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Vanshika Micro Credit?

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

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

1 open charge(s) are registered against its assets.

Is Vanshika Micro Credit 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 Vanshika Micro Credit?

Its Credit Risk Score is 20/100 (Caution Indicated). Banker verdict: Enhanced diligence advised.

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.