Promoter holding
64.27%
VC
Versatile Card Technology Private Limited - Due diligence report
A 360° intelligence report on Versatile Card Technology: trust score, financial health, credit view, compliance, directors, growth and distr…
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Versatile Card Technology — 360° Intelligence Report
Generated from MCA filings & public records81/100
Trust Score
Low Risk
Versatile Card Technology is assessed as Low Risk with a Trust Score of 81/100. Versatile Card Technology is an active private limited indian non-government company incorporated in 1998, operating in the Manufacturing sector. The company has shown revenue growth 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 low financial risk profile.
Report generated on 29 Jun 2026 from the latest processed filings. Versatile Card Technology 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 ScoreModerate
68/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
95/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreLow Risk
90/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreModerate
55/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
95/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
90/100
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 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: 90/100 Low Risk
- Liabilities ≈ 38% EBITDA - serviceable.
- Open charges exceed net worth - secured lenders rank ahead.
- Moderate gearing (D/E 1.42).
- Working-capital cover adequate.
- Profitable - internal accruals available.
- Externally credit-rated (BB).
Charges position: 9 open (76.98 cr) · 14 satisfied (44.99 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Tamilnad Mercantile Bank Limited | 14 | 48.0 cr |
| Others | 2 | 48.0 cr |
| Ing Vysya Bank Limited | 2 | 48.0 cr |
| Axis Bank Ltd | 1 | 48.0 cr |
| Housing Development Finance Corporation Limited | 1 | 48.0 cr |
| Idbi Bank Limited | 1 | 48.0 cr |
Compliance Score: 68/100 Moderate
- Company status is Active as per MCA.
- Marked ACTIVE non-compliant (INC-22A).
- Balance sheet slightly behind (Mar 2024).
- 1 active GST registration(s).
05
Director Intelligence
Stability score: 55/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| RAMASAMY NAICKER RENUGADEVI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| RATHNASABAPATHY SOMASUNDARAM SHANMUGAM | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| PETHINAIDU SARGURU | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| GOPALSAMY RAJAGOPAL | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Ratnasabapathy Somasundaram Shanmugam | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 5 directors on the board.
- PETHINAIDU SARGURU has DIN status "Deactivated due to non-filing of DIR-3 KYC".
- Stable board - no exits in 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
-
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 95 · Distress 90
Growth signals & trust indicators
Revenue acceleration: +2.1x over 4 year(s).
Latest year revenue grew 24%.
Profit expanded 0.86 year-on-year.
Net margin improved to 61%.
Operating for 28+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
9 open charge(s) registered - assets are encumbered.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence78/100
Favourable indicators
Suitability as a supplier / customer counterparty.
- Check the compliance flags before onboarding.
- No distress signals on file.
- Financial filings available for verification.
Banker assessment86/100
Favourable lending indicators
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 9 open charge(s) of 76.98 cr already registered.
- Compliance gaps should be priced into terms.
Investor view92/100
Positive growth indicators
Growth quality and scalability through an investor lens.
- 4 growth signal(s) detected.
- Margin and return trends computable from filings.
- Management churn warrants questions.
09
MCA Filings & Events Timeline
Latest 15 events27 Nov 2025
Charge satisfied
Tamilnad Mercantile Bank Limited
30 Oct 2025
Charge created
Others - 2.00 cr
30 Sep 2024
Last AGM held
Annual general meeting
23 Jul 2024
Charge created
Others - 28.00 cr
26 Jun 2024
Charge created
Hdfc Bank Limited - 44.80 Lakh
31 Mar 2024
Latest balance sheet
Filed with ROC
30 Mar 2024
Charge satisfied
Tamilnad Mercantile Bank Limited
19 Mar 2024
Charge created
Tamilnad Mercantile Bank Limited - 3.84 cr
06 Feb 2024
Charge satisfied
Tamilnad Mercantile Bank Limited
09 Aug 2023
Director appointed
Ratnasabapathy Somasundaram Shanmugam (Company Secretary)
03 Aug 2023
Director appointed
PETHINAIDU SARGURU (Director)
01 Jun 2023
Director appointed
RATHNASABAPATHY SOMASUNDARAM SHANMUGAM (Company Secretary)
31 Jul 2022
Director ceased
GOPALAKRISHNASAMY RAJARAM
28 Apr 2022
Charge created
Hdfc Bank Limited - 14.92 Lakh
10 Apr 2021
Charge created
Tamilnad Mercantile Bank Limited - 6.99 Lakh
10
Key Observations
Auto-generated from the data aboveRevenue grew 38% over the last 4 financial year(s).
Net profit margin moved from 1.42 to 2.1x.
Debt-to-equity stands at 24% - manageable leverage.
Net worth is positive.
5 active director(s) / partner(s); review board churn before relying on management continuity.
1 active GST registration(s) indicate ongoing business operations.
Carries an external credit rating of BB from Brickwork.
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.
| Company | CIN | Location |
|---|---|---|
| Sai Surfactants Private Limited | U24241WB1989PTC047923 | Kolkata, West Bengal, India |
| Radcom Packaging Private Limited | U25203MH2012PTC232376 | Palghar, Maharashtra, India |
| Esquire Multiplast Private Limited | U24134KL2008PTC022406 | Cochin, Kerala, India |
| Ino-Flex Private Limited | U74999MP2007PTC020037 | Indore, Madhya Pradesh, India |
| Tunga Pvc Pipes Private Limited | U25191KA1992PTC013685 | Bangalore, Karnataka, India |
| Plasmix Private Limited | U85110KA1997PTC021729 | Bangalore, Karnataka, India |
| Injectoplast | U25209UP2020PTC134607 | Kanpur, Uttar Pradesh, India |
| Burnpur Cement | L27104WB1986PLC040831 | Kolkata, West Bengal, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Versatile Card Technology before audits and certifications: compliance score 68/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Versatile Card Technology: 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 90/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Positive growth indicators. Growth score 95/100, margin trends, ownership structure and peer set for Versatile Card Technology - 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 Versatile Card Technology 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 Versatile Card Technology - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Versatile Card Technology an active company?
Versatile Card Technology has MCA status “Active” with a compliance score of 68/100 (Moderate).
Is Versatile Card Technology financially healthy?
Versatile Card Technology has a Financial Health Score of 95/100 (Low Risk) based on its filed financial statements.
Should I do business with Versatile Card Technology?
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 Versatile Card Technology?
Promoters hold a dominant controlling stake - exact percentages are in the full report. 5 active director(s) are on record.
Does Versatile Card Technology have loans or charges against its assets?
9 open charge(s) are registered against its assets, and 14 earlier charge(s) stand satisfied.
Is Versatile Card Technology up to date with its ROC filings?
Marked ACTIVE non-compliant (INC-22A). Overall compliance score: 68/100 (Moderate).
Is it risky to lend to Versatile Card Technology?
Its Credit Risk Score is 90/100 (Low Risk). 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.
