Vindhyavashni Micro Credit - Due diligence report

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

2016-10-04 Lucknow, Uttar Pradesh Active Unlisted Active Compliant
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VM Vindhyavashni Micro Credit
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Vindhyavashni Micro Credit — 360° Intelligence Report

Generated from MCA filings & public records
67/100
Trust Score
Moderate

Vindhyavashni Micro Credit is assessed as Moderate with a Trust Score of 67/100. Vindhyavashni 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 17 Jul 2026 from the latest processed filings. Vindhyavashni Micro Credit snapshot & full profile →

Financial Health › Weak
Overall Assessment CautionWeakNeutralGoodStrong Good
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 ScoreModerate
67/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
75/100
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
35/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
85/100
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: 35/100 Caution Indicated
  • Negative operating earnings - debt service depends on external support.
  • No open charges - unencumbered balance sheet.
  • Elevated gearing (D/E 38%).

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

Compliance Score: 75/100 Low Risk
  • Company status is Active as per MCA.
  • Last balance sheet is for Mar 2023 - filings overdue.
05

Director Intelligence

Stability score: 85/100
NameDIN / PANDesignationAppointedTenureDIN status
Nidhi Shahi 01234567 Director 01/04/2018 6 yrs Approved
Chitra Jaiswal 01234567 Director 01/04/2018 6 yrs Approved
  • 2 directors on the board.
  • No disqualified or deactivated DINs.
  • 2 director exit(s) in the last 3 years.
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
1 allotment(s) · 0 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 9 years.
Distress signals & risk flags
Statutory filings appear overdue.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence74/100
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 assessment45/100
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 view29/100
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 8 events
01 Mar 2024
Director ceased
RISHI JAISWAL
Director ceased
CHHOTEY LAL SHAW
15 Jan 2024
Director appointed
Nidhi Shahi (Director)
Director appointed
Chitra Jaiswal (Director)
30 Sep 2023
Last AGM held
Annual general meeting
31 Mar 2023
Latest balance sheet
Filed with ROC
31 Mar 2017
Securities allotted
40000 Equity Shares - 4.00 Lakh raised
04 Oct 2016
Incorporated
Registered with Roc Kanpur
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.
Capital has been raised through 1 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Iota Epsilon Derivatives Private Limited U32100MH1989PTC053546 Borivali West, Maharashtra, India
Radolent Distributors Private Limited U51909WB2017PTC220086 Kolkata, West Bengal, India
Danveer Investments Private Ltd. U74899DL1986PTC025451 New Delhi, Delhi, India
Subh Jyoti Mercantiles Pvt Ltd. U51909WB1989PTC046186 Howrah, West Bengal, India
Shree Jeevan Nidhi Limited U65999RJ2016PLC054818 Udaipur, Rajasthan, India
Urmi Traders Private Limited U52100WB2009PTC134994 Kolkata, West Bengal, India
Futurehope Promoters Private Limited U70102WB2013PTC190753 Howrah, West Bengal, India
Ventureast U65900MH2007PTC176862 Mumbai, Maharashtra, India
12

Who Uses This Report

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

Verify Vindhyavashni Micro Credit before audits and certifications: compliance score 75/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Vindhyavashni 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: 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: Limited indicators at present. Growth score n/a, margin trends, ownership structure and peer set for Vindhyavashni Micro Credit - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 67/100, distress signals and MSME payment-delay disclosures - know whether Vindhyavashni 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 Vindhyavashni Micro Credit - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Vindhyavashni Micro Credit an active company?

Vindhyavashni Micro Credit has MCA status “Active” with a compliance score of 75/100 (Low Risk).

Is Vindhyavashni Micro Credit financially healthy?

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

Should I do business with Vindhyavashni Micro Credit?

Its overall Trust Score is 67/100 (Moderate). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Vindhyavashni Micro Credit?

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

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

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

Is Vindhyavashni Micro Credit up to date with its ROC filings?

Last balance sheet is for Mar 2023 - filings overdue. Overall compliance score: 75/100 (Low Risk).

Is it risky to lend to Vindhyavashni Micro Credit?

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.