Wisdom Overseas Private Limited - Due diligence report

A 360° intelligence report on Wisdom Overseas Private Limited: trust score, financial health, credit view, compliance, directors, growth and…

2002-04-05 Kolkata, West Bengal Active Unlisted Active Compliant
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Wisdom Overseas Private Limited — 360° Intelligence Report

Generated from MCA filings & public records
94/100
Trust Score
Low Risk

Wisdom Overseas Private Limited is assessed as Low Risk with a Trust Score of 94/100. Wisdom Overseas Private Limited is an active private limited indian non-government company incorporated in 2002, operating in the Home & Lifestyle 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 13 Jul 2026 from the latest processed filings. Wisdom Overseas Private 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
94/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
100/100
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
85/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
80/100
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.

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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
  • Open charges exceed net worth - secured lenders rank ahead.
  • Moderate gearing (D/E 38%).
  • Working-capital cover adequate.
  • Profitable - internal accruals available.

Charges position: 2 open (16.60 cr) · 0 satisfied (-).

Banking relationships (from registered charges)
LenderChargesAmount
Others1 48.0 cr
Hdfc Bank Limited1 48.0 cr
Compliance Score: 100/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • 1 active GST registration(s).
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
NISHA AGRAWAL 01234567 Director 01/04/2018 6 yrs Approved
RITESH AGARWAL 01234567 Director 01/04/2018 6 yrs Approved
SHREYANSH AGRAWAL 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.
Director & KMP remuneration (FY 2023)
NameDesignationTotal remuneration
A K SharmaManaging Director2.4 cr
R MehtaWhole-time Director1.6 cr
S IyerCFO95.0 L

Remuneration is disclosed in the latest annual return. Unlock full report

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
Wistex Fashions Private Limited
Subsidiaries
-
Group entities
2
Capital events
3 allotment(s) · 2 transfer(s)

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

Group entityRelationship% held
Wistex Fashions Private Limited Holding Company 74.00%
North City Properties Private Limited Associate Company 74.00%
Whitefield Agro Products Private Limited Associate Company 74.00%

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 85 · Distress 80
Growth signals & trust indicators
Revenue acceleration: +1.42 over 4 year(s).
Latest year revenue grew 2.1x.
Asset base grew 24% - capacity expansion.
Operating for 24+ years.
Active GST registration(s).
Distress signals & risk flags
Outside liabilities up 0.86 in a year.
2 open charge(s) registered - assets are encumbered.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence92/100
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 assessment85/100
Favourable lending indicators
Indicative lending comfort for banks, NBFCs and trade credit.
  • Debt capacity assessed from filed statements.
  • 2 open charge(s) of 16.60 cr already registered.
  • Compliance record supports lending.
Investor view91/100
Positive growth indicators
Growth quality and scalability through an investor lens.
  • 3 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 14 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
26 Apr 2023
Charge created
Hdfc Bank Limited - 60.00 Lakh
30 Sep 2022
Director ceased
SHREYANSH AGRAWAL
18 Aug 2022
Director appointed
SHREYANSH AGRAWAL (Director)
31 Mar 2021
Share transfer (FY 2021)
4600.00000000 shares to RITESH AGARWAL
Share transfer (FY 2021)
4600.00000000 shares to NISHA AGRAWAL
27 Feb 2019
Charge created
Others - 16.00 cr
31 Mar 2012
Securities allotted
10000.00 Equity Shares - 7.00 Lakh raised
04 May 2010
Securities allotted
14000.00 Equity Shares - 14.00 Lakh raised
31 Mar 2009
Securities allotted
25000.00 Equity Shares - 10.00 Lakh raised
05 Apr 2002
Incorporated
Registered with Roc Kolkata
Director appointed
NISHA AGRAWAL (Director)
Director appointed
RITESH AGARWAL (Director)
10

Key Observations

Auto-generated from the data above
Revenue 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 - 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.
1 active GST registration(s) indicate ongoing business operations.
Promoters hold a minority 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.
Capital has been raised through 3 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Globalinsurance U67200MH2002PTC137954 Mumbai, Maharashtra, India
Batlivala & Karani Securities U67120WB1998PTC087160 Kolkata, West Bengal, India
Eqt Partners India Private Limited U74140MH2009PTC216794 Mumbai, Maharashtra, India
Deep Financial Consultants Pvt Ltd U67190MH1993PTC070512 Mumbai, Maharashtra, India
Omidyar Network U93000MH2009PTC196403 Goregaon West, Maharashtra, India
Ambit U74140MH1997PTC107598 Mumbai, Maharashtra, India
Ndx Financial Services Private Limited U65990MH2018PTC317180 Mumbai, Maharashtra, India
Mirae Asset Capital Markets (India) Private Limited U65990MH2017FTC300493 Mumbai, Maharashtra, India
12

Who Uses This Report

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

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

Company Secretaries (CS)

Track statutory health of Wisdom Overseas 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: 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 85/100, margin trends, ownership structure and peer set for Wisdom Overseas Private Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 94/100, distress signals and MSME payment-delay disclosures - know whether Wisdom Overseas Private 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 Wisdom Overseas Private Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Wisdom Overseas Private Limited an active company?

Wisdom Overseas Private Limited has MCA status “Active” with a compliance score of 100/100 (Low Risk).

Is Wisdom Overseas Private Limited financially healthy?

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

Should I do business with Wisdom Overseas Private Limited?

Its overall Trust Score is 94/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Wisdom Overseas Private Limited?

The ultimate holding entity is Wistex Fashions Private Limited. 3 active director(s) are on record.

Does Wisdom Overseas Private Limited have loans or charges against its assets?

2 open charge(s) are registered against its assets.

Is Wisdom Overseas Private Limited up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 100/100 (Low Risk).

Is it risky to lend to Wisdom Overseas Private 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.