Vikram Financial Services Ltd - Due diligence report

A 360° intelligence report on Vikram: trust score, financial health, credit view, compliance, directors, growth and distress signals - gener…

1982-12-17 Kolkata, West Bengal Active Unlisted Active Compliant
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VF Vikram Financial Services Ltd
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Vikram — 360° Intelligence Report

Generated from MCA filings & public records
50/100
Trust Score
Moderate

Vikram is assessed as Moderate with a Trust Score of 50/100. Vikram is an active public limited indian non-government company incorporated in 1982, operating in the Financial Services 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 high compliance risk and high financial risk profile.

Report generated on 16 Jul 2026 from the latest processed filings. Vikram Financial Services Ltd snapshot & full profile →

Financial Health › Caution
Overall Assessment CautionWeakNeutralGoodStrong Neutral
Compliance › Weak

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 ScoreModerate
50/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
38/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
20/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
35/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
80/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
65/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
50/100
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 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: 35/100 Caution Indicated
  • Liabilities ≈ 38% EBITDA - stretched.
  • No open charges - unencumbered balance sheet.
  • Elevated gearing (D/E 1.42).

Charges position: 0 open (-) · 1 satisfied (79.00 cr).

Banking relationships (from registered charges)
LenderChargesAmount
Gda Trusteeship Limited1 48.0 cr
Compliance Score: 38/100 Caution Indicated
  • Company status is Active as per MCA.
  • Balance sheet slightly behind (Mar 2024).
  • Flagged by authority: FIU.
  • Litigation present in 3 court forum(s).
  • 1 active GST registration(s).
Legal cases on record (3)
05

Director Intelligence

Stability score: 80/100
NameDIN / PANDesignationAppointedTenureDIN status
ULPI GUPTA 01234567 Director 01/04/2018 6 yrs Approved
SIDDH NATH PRADHAN 01234567 Director 01/04/2018 6 yrs Approved
SHAILESH RAMESHCHANDRA SHARMA 01234567 Director 01/04/2018 6 yrs Approved
ANIL CHAUDHARY 01234567 Director 01/04/2018 6 yrs Approved
  • 4 directors on the board.
  • No disqualified or deactivated DINs.
  • 6 director exits in 3 years - high churn.
  • Average tenure above 5 years.
06

Ownership & Group Intelligence

As per FY 2023 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
3
Group entities
5
Capital events
-

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

Group entityRelationship% held
Vfsl Commercial Private Limited Subsidiary Company 74.00%
Sunview Enclave Private Limited Subsidiary Company 74.00%
Alankar Nirman Private Limited Subsidiary Company 74.00%
Vikram Capital Management Private Limited Associate Company 74.00%
Seabird Commercial Private Limited Associate Company 74.00%

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 65 · Distress 50
Growth signals & trust indicators
Steady revenue growth: +2.1x over 4 year(s).
Asset base grew 24% - capacity expansion.
Operating for 43+ years.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
Losses deepening year-on-year.
3 director exits within 2 years.
Compliance score is weak (38/100).
3 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence45/100
Review suggested
Suitability as a supplier / customer counterparty.
  • Check the compliance flags before onboarding.
  • 3 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment31/100
Enhanced diligence advised
Indicative lending comfort for banks, NBFCs and trade credit.
  • Debt capacity assessed from filed statements.
  • No existing security registered - first-charge position available.
  • Compliance gaps should be priced into terms.
Investor view46/100
Mixed indicators
Growth quality and scalability through an investor lens.
  • 2 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 15 events
30 Sep 2024
Last AGM held
Annual general meeting
29 Sep 2024
Director ceased
SIDDH NATH PRADHAN
Director ceased
SHAILESH RAMESHCHANDRA SHARMA
18 Sep 2024
Director appointed
ULPI GUPTA (Director)
31 Jul 2024
Director appointed
SHAILESH RAMESHCHANDRA SHARMA (Director)
Director ceased
ARUNKUMAR SHARMA
31 Mar 2024
Latest balance sheet
Filed with ROC
31 Jan 2024
Director ceased
ULPI GUPTA
15 Jan 2024
Director appointed
SIDDH NATH PRADHAN (Director)
31 Dec 2023
Director ceased
NUPUR SOMANI
Director ceased
MANOHAR MISHRA
15 Sep 2022
Director ceased
SIPRA DAS
Director ceased
JAYANT TRIPATHI
16 Dec 2021
Director ceased
MURARI LAL AGARWAL
26 Feb 2021
Director ceased
GYANESH CHAUDHARY
10

Key Observations

Auto-generated from the data above
Revenue grew 0.86 over the last 4 financial year(s).
Net profit margin moved from 61% to 38%.
Debt-to-equity stands at 1.42 - leverage worth monitoring.
Net worth is positive.
4 active director(s) / partner(s); board looks stable and experienced.
1 active GST registration(s) indicate ongoing business operations.
All 1 registered charge(s) stand satisfied - past borrowings repaid.
Operates a group structure with 3 subsidiary(ies) - assess on a consolidated basis.
Promoters hold a dominant controlling stake as per the FY 2023 annual return.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
K.S.Capital Services Private Limited U67120RJ1989PTC005154 Road Jaipur, Rajasthan, India
Trincass Vyapaar Pvt Ltd U65100MH1993PTC298639 Mumbai, Maharashtra, India
Agrim U74999MH2018PTC304630 Mumbai, Maharashtra, India
Vinayak Dealer Pvt Ltd U51909WB1996PTC080729 Kolkata, West Bengal, India
Experion Capital Private Limited U51109DL1996PTC446111 Delhi, Delhi, India
Dolf Leasing Limited U65992DL1992PLC049167 New Delhi, Delhi, India
Gove Finance Limited U65921TN1983PLC010029 Chennai, Tamil Nadu, India
Rajnish Finvest Private Limited U65993DL1997PTC209185 Daryaganj, Delhi, India
12

Who Uses This Report

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

Verify Vikram before audits and certifications: compliance score 38/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Vikram: 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 35/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Mixed indicators. Growth score 65/100, margin trends, ownership structure and peer set for Vikram - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Review suggested. Trust score 50/100, distress signals and MSME payment-delay disclosures - know whether Vikram pays its suppliers before you extend credit terms.

Lawyers & Compliance Teams

Litigation footprint (3 case(s) on record), regulatory flags, charge documents trail and director networks for Vikram - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Vikram an active company?

Vikram has MCA status “Active” with a compliance score of 38/100 (Caution Indicated).

Is Vikram financially healthy?

Vikram has a Financial Health Score of 20/100 (Caution Indicated) based on its filed financial statements.

Should I do business with Vikram?

Its overall Trust Score is 50/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Vikram?

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

Does Vikram have loans or charges against its assets?

No open charges - all 1 registered charge(s) stand satisfied, indicating past borrowings were repaid.

Is Vikram up to date with its ROC filings?

Balance sheet slightly behind (Mar 2024). Overall compliance score: 38/100 (Caution Indicated).

Is it risky to lend to Vikram?

Its Credit Risk Score is 35/100 (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.