Promoter holding
64.27%
VH
Vfive Homes Private Limited - Due diligence report
A 360° intelligence report on Vfive Homes Private Limited: trust score, financial health, credit view, compliance, directors, growth and dis…
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Vfive Homes Private Limited — 360° Intelligence Report
Generated from MCA filings & public records68/100
Trust Score
Moderate
Vfive Homes Private Limited is assessed as Moderate with a Trust Score of 68/100. Vfive Homes Private Limited is an active private limited indian non-government company incorporated in 2015, operating in the Construction 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 moderate financial risk profile.
Report generated on 16 Jul 2026 from the latest processed filings. Vfive Homes 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 ScoreModerate
68/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
61/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
60/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
35/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreModerate
55/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
90/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
75/100
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: 35/100 Caution Indicated
- Liabilities ≈ 38% EBITDA - stretched.
- Open charges exceed net worth - secured lenders rank ahead.
- Elevated gearing (D/E 1.42).
- Profitable - internal accruals available.
- Externally credit-rated (D).
Charges position: 4 open (14.53 cr) · 4 satisfied (24.15 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| State Bank Of India | 2 | 48.0 cr |
| Canara Bank | 2 | 48.0 cr |
| Others | 1 | 48.0 cr |
| Kerala State Financial Enterprises Ltd | 1 | 48.0 cr |
| Hdfc Bank Limited | 2 | 48.0 cr |
Compliance Score: 61/100 Moderate
- Company status is Active as per MCA.
- Marked ACTIVE non-compliant (INC-22A).
- Balance sheet slightly behind (Mar 2024).
- Litigation present in 1 court forum(s).
- 1 active GST registration(s).
Legal cases on record (1)
05
Director Intelligence
Stability score: 55/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| ANI KAREEM | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| JALEELA MAHEEN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| RAVI KUMAR RADHAKRISHNA PILLAI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| KARTHI KEYAN UNNI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| BALACHANDRAN SIVADASAN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 5 directors on the board.
- BALACHANDRAN SIVADASAN 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.
Key managerial personnel: KARTHI KEYAN UNNI (Managing Director)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 90 · Distress 75
Growth signals & trust indicators
Revenue acceleration: +2.1x over 4 year(s).
Profit expanded 24% year-on-year.
Net margin improved to 0.86.
EPFO headcount growing - hiring signal.
Operating for 10+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
4 open charge(s) registered - assets are encumbered.
1 court case(s) on record - see the legal section for details.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence67/100
Review suggested
Suitability as a supplier / customer counterparty.
- Check the compliance flags before onboarding.
- 1 distress signal(s) - see Risk Center.
- Financial filings available for verification.
Banker assessment49/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 4 open charge(s) of 14.53 cr already registered.
- Compliance gaps should be priced into terms.
Investor view74/100
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 events30 Sep 2025
Last AGM held
Annual general meeting
24 Jul 2025
Charge satisfied
Canara Bank
10 Dec 2024
Charge created
Hdfc Bank Limited - 12.06 Lakh
29 Jun 2024
Charge created
State Bank Of India - 10.00 cr
31 Mar 2024
Latest balance sheet
Filed with ROC
29 Oct 2022
Charge created
Canara Bank - 7.45 cr
Charge satisfied
Canara Bank
16 Sep 2022
Charge satisfied
State Bank Of India
26 Jul 2022
Charge created
Canara Bank - 1.50 cr
13 Jul 2021
Charge created
Hdfc Bank Limited - 99.90 Lakh
12 Mar 2020
Charge created
Kerala State Financial Enterprises Ltd - 3.41 cr
20 Jan 2020
Charge satisfied
Others
04 Aug 2017
Charge created
Others - 6.00 cr
03 Mar 2016
Charge created
State Bank Of India - 9.20 cr
15 Dec 2015
Incorporated
Registered with Roc Ernakulam
10
Key Observations
Auto-generated from the data aboveRevenue grew 61% over the last 4 financial year(s).
Net profit margin moved from 38% to 1.42.
Debt-to-equity stands at 2.1x - leverage worth monitoring.
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 D from Crisil.
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.
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12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Vfive Homes Private Limited before audits and certifications: compliance score 61/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Vfive Homes 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 35/100, 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 Vfive Homes Private Limited - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Review suggested. Trust score 68/100, distress signals and MSME payment-delay disclosures - know whether Vfive Homes Private Limited 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 Vfive Homes Private Limited - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Vfive Homes Private Limited an active company?
Vfive Homes Private Limited has MCA status “Active” with a compliance score of 61/100 (Moderate).
Is Vfive Homes Private Limited financially healthy?
Vfive Homes Private Limited has a Financial Health Score of 60/100 (Moderate) based on its filed financial statements.
Should I do business with Vfive Homes Private Limited?
Its overall Trust Score is 68/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Vfive Homes Private Limited?
Promoters hold a dominant controlling stake - exact percentages are in the full report. 5 active director(s) are on record.
Does Vfive Homes Private Limited have loans or charges against its assets?
4 open charge(s) are registered against its assets, and 4 earlier charge(s) stand satisfied.
Is Vfive Homes Private Limited up to date with its ROC filings?
Marked ACTIVE non-compliant (INC-22A). Overall compliance score: 61/100 (Moderate).
Is it risky to lend to Vfive Homes Private Limited?
Its Credit Risk Score is 35/100 (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.
