Virtue Nidhi Limited - Due diligence report

A 360° intelligence report on Virtue Nidhi Limited: trust score, financial health, credit view, compliance, directors, growth and distress s…

2017-07-14 Lucknow, Uttar Pradesh Active Unlisted Active Compliant
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VN Virtue Nidhi Limited
Full Due-Diligence Report + Documents
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  • Full trust, health & credit-risk scores
  • Director details, charges & MCA documents
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Virtue Nidhi Limited — 360° Intelligence Report

Generated from MCA filings & public records
84/100
Trust Score
Low Risk

Virtue Nidhi Limited is assessed as Low Risk with a Trust Score of 84/100. Virtue Nidhi Limited is an active nidhi limited company incorporated in 2017, operating in the Financial Services 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 low compliance risk and low financial risk profile.

Report generated on 17 Jul 2026 from the latest processed filings. Virtue Nidhi Limited snapshot & full profile →

Financial Health › Strong
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
84/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
75/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
95/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
70/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
80/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
80/100
Early-warning signals - higher means fewer warnings.
03

Financial Intelligence Dashboard

Standalone · 3 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: 70/100 Moderate
  • Negative operating earnings - debt service depends on external support.
  • No open charges - unencumbered balance sheet.
  • Moderate gearing (D/E 38%).
  • Working-capital cover adequate.
  • Profitable - internal accruals available.

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 2020 - filings overdue.
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
AMMAR UDDIN AHMAD 01234567 Director 01/04/2018 6 yrs Approved
FAISAL KHAN 01234567 Director 01/04/2018 6 yrs Approved
ADIL ZIYA KHAN 01234567 Director 01/04/2018 6 yrs Approved
  • 3 directors on the board.
  • No disqualified or deactivated DINs.
  • Stable board - no exits in 3 years.
  • Average tenure above 5 years.
06

Ownership & Group Intelligence

As per FY 2020 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
-

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 80 · Distress 80
Growth signals & trust indicators
Revenue acceleration: +1.42 over 2 year(s).
Profit expanded 2.1x year-on-year.
Operating for 9 years.
Distress signals & risk flags
Statutory filings appear overdue.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence79/100
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 assessment79/100
Favourable lending indicators
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 view86/100
Positive growth 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 6 events
30 Dec 2020
Last AGM held
Annual general meeting
31 Mar 2020
Latest balance sheet
Filed with ROC
14 Jul 2017
Incorporated
Registered with Roc Uttar Pradesh I
Director appointed
AMMAR UDDIN AHMAD (Director)
Director appointed
FAISAL KHAN (Director)
Director appointed
ADIL ZIYA KHAN (Director)
10

Key Observations

Auto-generated from the data above
Revenue grew 24% over the last 2 financial year(s).
Debt-to-equity stands at 0.86 - manageable leverage.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
3 active director(s) / partner(s); board looks stable and experienced.
Promoters hold a dominant controlling stake as per the FY 2020 annual return.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Ummeed Foundation And Micro Finance U65999RJ2013NPL044208 Sikar, Rajasthan, India
Kakkollil Jaiva Karshaka Nidhi Limited U65990KL2017PLC050616 Malappuram, Kerala, India
Juhi Multitrade Private Limited U51101WB2007PTC274107 Rajarhat, West Bengal, India
Jki Chits Private Limited U65999TG2017PTC115038 Hyderabad, Telangana, India
Amari Trading & Holding Pvt. Ltd. U51109WB1986PTC041564 Kol, West Bengal, India
Vasurupa India Nidhi Limited U65999DL2018PLC332165 Delhi, Delhi, India
Uthukuli Vinayaga Chit Funds Private Limited U65992TZ2011PTC016941 Tiruppur, Tamil Nadu, India
Singhal Properties Pvt Ltd U45202WB1990PTC050069 Kolkata, West Bengal, India
12

Who Uses This Report

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

Verify Virtue Nidhi Limited 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 Virtue Nidhi 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: Favourable lending indicators. Credit risk score 70/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Positive growth indicators. Growth score 80/100, margin trends, ownership structure and peer set for Virtue Nidhi Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 84/100, distress signals and MSME payment-delay disclosures - know whether Virtue Nidhi Limited 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 Virtue Nidhi Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Virtue Nidhi Limited an active company?

Virtue Nidhi Limited has MCA status “Active” with a compliance score of 75/100 (Low Risk).

Is Virtue Nidhi Limited financially healthy?

Virtue Nidhi Limited has a Financial Health Score of 95/100 (Low Risk) based on its filed financial statements.

Should I do business with Virtue Nidhi Limited?

Its overall Trust Score is 84/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Virtue Nidhi Limited?

Promoters hold a dominant controlling stake - exact percentages are in the full report. 3 active director(s) are on record.

Does Virtue Nidhi Limited have loans or charges against its assets?

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

Is Virtue Nidhi Limited up to date with its ROC filings?

Last balance sheet is for Mar 2020 - filings overdue. Overall compliance score: 75/100 (Low Risk).

Is it risky to lend to Virtue Nidhi Limited?

Its Credit Risk Score is 70/100 (Moderate). 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.