Promoter holding
64.27%
YB
Yes Bank Limited - Due diligence report
A 360° intelligence report on Yes Bank: trust score, financial health, credit view, compliance, directors, growth and distress signals - gen…
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Yes Bank — 360° Intelligence Report
Generated from MCA filings & public records72/100
Trust Score
Moderate
Yes Bank is assessed as Moderate with a Trust Score of 72/100. Yes Bank is an active public limited indian non-government company incorporated in 2003, operating in the Financial Services sector. Reported revenue has declined across its recent filed years. It was profitable in its latest filed year. Based on MCA filings and public records, it currently shows a high compliance risk and low financial risk profile.
Report generated on 17 Jul 2026 from the latest processed filings. Yes Bank Limited snapshot & full profile →
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 & explainableTrust ScoreModerate
72/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
42/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
85/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
60/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
75/100
Board strength, DIN status, churn and network.
Growth ScoreCaution Indicated
45/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
80/100
Early-warning signals - higher means fewer warnings.
03
Financial Intelligence Dashboard
Consolidated · 5 filed year(s)Unlock the full 5-year financial dashboard with charts and year-wise figures.
Get full accessScores 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: 60/100 Moderate
- Liabilities ≈ 38% EBITDA - stretched.
- No open charges - unencumbered balance sheet.
- Profitable - internal accruals available.
- Externally credit-rated (BBB+).
Charges position: 0 open (-) · 0 satisfied (-).
Compliance Score: 42/100 Caution Indicated
- Company status is Active as per MCA.
- Annual filings current (balance sheet Mar 2025).
- Flagged by authority: FIU, SEBI, MSEI.
- Litigation present in 5 court forum(s).
- Delayed payments to MSME suppliers disclosed (1859 disclosure(s)).
- 58 active GST registration(s).
Legal cases on record (5)
05
Director Intelligence
Stability score: 75/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| SHARAD SHARMA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| RAMA SUBRAMANIAM GANDHI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| NANDITA GURJAR | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SANJAY KUMAR KHEMANI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| ATUL MALIK | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Niranjan Banodkar | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| RAJAN PENTAL | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SANDEEP TEWARI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| THEKEPAT KESHAV KUMAR | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SHIVAKUMAR PULLAYA DEGA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SADASHIV SRINIVAS RAO | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| REKHA MURTHY | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| PRASHANT KUMAR | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Shivanand Rama Shettigar | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| RAJEEV VEERAVALLI KANNAN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Manish Jain | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Shinichiro Nishino | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 17 directors on the board.
- No disqualified or deactivated DINs.
- 5 director exits in 3 years - high churn.
Director & KMP remuneration (FY 2023)
| Name | Designation | Total remuneration |
|---|---|---|
| A K Sharma | Managing Director | 2.4 cr |
| R Mehta | Whole-time Director | 1.6 cr |
| S Iyer | CFO | 95.0 L |
Remuneration is disclosed in the latest annual return. Unlock full report
06
Ownership & Group Intelligence
As per FY 2023 annual returnPublic / other holding
35.73%
Equity shares
12,45,67,890
Equity paid-up
124.5 cr
Promoters on record
4
Ultimate holding entity
-
Subsidiaries
1
Group entities
1
Capital events
173 allotment(s) · 0 transfer(s)
| Group entity | Relationship | % held |
|---|---|---|
| Yes Securities (india) Limited | Subsidiary Company | 74.00% |
Key managerial personnel: Niranjan Banodkar (CFO) · PRASHANT KUMAR (Managing Director) · Manish Jain (Whole-time director)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 45 · Distress 80
Growth signals & trust indicators
EPFO headcount growing - hiring signal.
Operating for 22+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
5 director exits within 2 years.
Compliance score is weak (42/100).
MSME payment delays disclosed - latest outstanding 73.20 cr.
5 court case(s) on record - see the legal section for details.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence62/100
Review suggested
Suitability as a supplier / customer counterparty.
- Check the compliance flags before onboarding.
- 1 distress signal(s) - see Risk Center.
- Financial filings available for verification.
Banker assessment63/100
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 gaps should be priced into terms.
Investor view66/100
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 15 events23 Oct 2025
Director ceased
RAJEEV VEERAVALLI KANNAN
Director ceased
Shinichiro Nishino
18 Sep 2025
Director appointed
RAJEEV VEERAVALLI KANNAN (Director)
Director appointed
Shinichiro Nishino (Director)
21 Aug 2025
Last AGM held
Annual general meeting
20 Aug 2025
Director ceased
SHIVAKUMAR PULLAYA DEGA
27 Jun 2025
Director appointed
SHIVAKUMAR PULLAYA DEGA (Director)
31 Mar 2025
Director ceased
SHIVANAND RAMA SHETTIGAR
Latest balance sheet
Filed with ROC
28 Feb 2025
Director appointed
Manish Jain (Whole-time director)
11 Dec 2024
Director ceased
Manish Jain
08 Mar 2023
Director ceased
SHWETA JALAN
Director ceased
SUNIL KAUL
02 Feb 2023
Director appointed
RAJAN PENTAL (Director)
Director ceased
RAJAN PENTAL
10
Key Observations
Auto-generated from the data aboveRevenue declined 1.42 over the last 4 financial year(s).
Debt-to-equity stands at 2.1x - leverage worth monitoring.
Net worth is positive.
17 active director(s) / partner(s); board looks stable and experienced.
58 active GST registration(s) indicate ongoing business operations.
Operates a group structure with 1 subsidiary(ies) - assess on a consolidated basis.
Carries an external credit rating of BBB+ from Care.
EPFO-registered employer - verifiable payroll history exists.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 173 security allotment(s) - amounts available in the full report.
| Company | CIN | Location |
|---|---|---|
| Prithvi Broking Private Limited | U51909MH2007PTC173851 | Mumbai, Maharashtra, India |
| Pmc Consultants Private Limited | U74899DL1985PTC022674 | New Delhi, Delhi, India |
| Indo Global Commercials Private Limited | U23100MH1991PTC063736 | Nagpur, Maharashtra, India |
| Igh Holdings Private Limited | U64200MH2000PTC129356 | Mumbai, Maharashtra, India |
| India Post Payments Bank Limited | U74999DL2016GOI304561 | New Delhi, Delhi, India |
| Kotak | L65110MH1985PLC038137 | Mumbai, Maharashtra, India |
| Indusind Bank | L65191PN1994PLC076333 | Pune, Maharashtra, India |
| Freecharge | L65110GJ1993PLC020769 | Ahmedabad, Gujarat, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Yes Bank before audits and certifications: compliance score 42/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Yes Bank: 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 60/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Mixed indicators. Growth score 45/100, margin trends, ownership structure and peer set for Yes Bank - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Review suggested. Trust score 72/100, distress signals and MSME payment-delay disclosures - know whether Yes Bank pays its suppliers before you extend credit terms.
Lawyers & Compliance Teams
Litigation footprint (5 case(s) on record), regulatory flags, charge documents trail and director networks for Yes Bank - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Yes Bank an active company?
Yes Bank has MCA status “Active” with a compliance score of 42/100 (Caution Indicated).
Is Yes Bank financially healthy?
Yes Bank has a Financial Health Score of 85/100 (Low Risk) based on its filed financial statements.
Should I do business with Yes Bank?
Its overall Trust Score is 72/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Yes Bank?
See the directors and ownership sections above for board and shareholding detail. 17 active director(s) are on record.
Does Yes Bank have loans or charges against its assets?
No charges are registered against this company - an unencumbered balance sheet.
Is Yes Bank up to date with its ROC filings?
Annual filings current (balance sheet Mar 2025). Overall compliance score: 42/100 (Caution Indicated).
Is it risky to lend to Yes Bank?
Its Credit Risk Score is 60/100 (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.
