Xpay Life Private Limited - Due diligence report

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

2016-08-11 Mumbai, Maharashtra Active Unlisted Active Compliant
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XL Xpay Life Private Limited
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Xiphias — 360° Intelligence Report

Generated from MCA filings & public records
68/100
Trust Score
Moderate

Xiphias is assessed as Moderate with a Trust Score of 68/100. Xiphias is an active private limited indian non-government company incorporated in 2016, operating in the Financial Services sector. It was profitable in its latest filed year. Based on MCA filings and public records, it currently shows a low compliance risk and high financial risk profile.

Report generated on 20 Jul 2026 from the latest processed filings. Xpay Life Private Limited 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
68/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
81/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
35/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
55/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
55/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
55/100
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: 55/100 Moderate
  • Liabilities ≈ 38% EBITDA - stretched.
  • No open charges - unencumbered balance sheet.
  • Profitable - internal accruals available.

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

Compliance Score: 81/100 Low Risk
  • Company status is Active as per MCA.
  • 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: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
VANDANA SINGH 01234567 Director 01/04/2018 6 yrs Approved
ROHIT KUMAR 01234567 Director 01/04/2018 6 yrs Approved
DEEPAK ANANTH 01234567 Director 01/04/2018 6 yrs Approved
BALLAPURAM SRINIVASAMURTHY SURENDRANATH 01234567 Director 01/04/2018 6 yrs Approved
  • 4 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 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
-
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 55 · Distress 55
Growth signals & trust indicators
Net margin improved to 1.42.
Operating for 9 years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
Negative net worth.
1 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence69/100
Review suggested
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • 2 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment56/100
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 view51/100
Mixed indicators
Growth quality and scalability through an investor lens.
  • 1 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 10 events
30 Sep 2024
Last AGM held
Annual general meeting
31 Mar 2024
Latest balance sheet
Filed with ROC
20 Mar 2024
Director appointed
BALLAPURAM SRINIVASAMURTHY SURENDRANATH (Additional Director)
05 Dec 2023
Director appointed
DEEPAK ANANTH (Director)
26 May 2020
Director appointed
VANDANA SINGH (Director)
Director ceased
BOHITESH MISRA
12 Apr 2019
Director ceased
DEEPAK NIRMAL ANAND
20 Nov 2017
Director ceased
VARUN SINGH
11 Aug 2016
Incorporated
Registered with Roc Mumbai
Director appointed
ROHIT KUMAR (Director)
10

Key Observations

Auto-generated from the data above
Compliance record is strong - status, filings and flags are clean.
4 active director(s) / partner(s); board looks stable and experienced.
1 active GST registration(s) indicate ongoing business operations.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a dominant controlling stake as per the FY 2023 annual return.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Nakshatra Integrated Services Limited U74999TG2021PLC149148 Musheerabad, Telangana, India
Apexa Information Systems Private Limited U30000GJ1999PTC036117 Ahmedabad, Gujarat, India
Zedengines India Limited U42102DL2020PLC364048 East Delhi, Delhi, India
Airtechcompressors U28910HR2008PTC037849 Faridabad, Haryana, India
Spectralytic Scientific India Private Limited U51909MH2022FTC393798 Thane, Maharashtra, India
Sahay Metals And Minerals Private Limited U10102TG2004PTC044264 Tarbund Secunderabad 09, Telangana, India
Apex Cabs Private Limited U63090WB2014PTC204166 Kolkata, West Bengal, India
Perfection Creations Private Limited U20296DL2007PTC167640 New Delhi, Delhi, India
12

Who Uses This Report

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

Verify Xiphias before audits and certifications: compliance score 81/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Xiphias: 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 55/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Mixed indicators. Growth score 55/100, margin trends, ownership structure and peer set for Xiphias - 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 Xiphias 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 Xiphias - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Xiphias an active company?

Xiphias has MCA status “Active” with a compliance score of 81/100 (Low Risk).

Is Xiphias financially healthy?

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

Should I do business with Xiphias?

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 Xiphias?

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

Does Xiphias have loans or charges against its assets?

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

Is Xiphias up to date with its ROC filings?

Balance sheet slightly behind (Mar 2024). Overall compliance score: 81/100 (Low Risk).

Is it risky to lend to Xiphias?

Its Credit Risk Score is 55/100 (Moderate). 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.