Zenith Credit Private Ltd. - Due diligence report

A 360° intelligence report on Zenith Credit Private Ltd.: trust score, financial health, credit view, compliance, directors, growth and dist…

1988-08-29 Kolkata, West Bengal Active Unlisted Active Compliant
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ZC Zenith Credit Private Ltd.
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Zenith Credit Private Ltd. — 360° Intelligence Report

Generated from MCA filings & public records
92/100
Trust Score
Low Risk

Zenith Credit Private Ltd. is assessed as Low Risk with a Trust Score of 92/100. Zenith Credit Private Ltd. is an active private limited indian non-government company incorporated in 1988, 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 low financial risk profile.

Report generated on 17 Jul 2026 from the latest processed filings. Zenith Credit Private Ltd. 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
92/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
86/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
95/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
65/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
90/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
75/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
90/100
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: 65/100 Moderate
  • Liabilities ≈ 38% EBITDA - stretched.
  • Moderate gearing (D/E 1.42).
  • Working-capital cover adequate.
  • Profitable - internal accruals available.

Charges position: 1 open (3.30 Lakh) · 3 satisfied (1.85 cr).

Banking relationships (from registered charges)
LenderChargesAmount
Allahabad Bank1 48.0 cr
Others1 48.0 cr
Hdfc Bank Limited1 48.0 cr
Canara Bank1 48.0 cr
Compliance Score: 86/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • Litigation present in 2 court forum(s).
  • 1 active GST registration(s).
Legal cases on record (2)
05

Director Intelligence

Stability score: 90/100
NameDIN / PANDesignationAppointedTenureDIN status
PIYUSH LOYALKA 01234567 Director 01/04/2018 6 yrs Approved
VASUDHA LOYALKA 01234567 Director 01/04/2018 6 yrs Approved
MADAN LAL SHARMA 01234567 Director 01/04/2018 6 yrs Approved
  • 3 directors on the board.
  • No disqualified or deactivated DINs.
  • 1 director exit(s) in the last 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
-
Subsidiaries
1
Group entities
1
Capital events
0 allotment(s) · 5 transfer(s)

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

Group entityRelationship% held
Manpasand Tie Up Private Limited Subsidiary Company 74.00%

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 75 · Distress 90
Growth signals & trust indicators
Latest year revenue grew 2.1x.
Profit expanded 24% year-on-year.
Net margin improved to 0.86.
Operating for 37+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
1 open charge(s) registered - assets are encumbered.
2 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence89/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • No distress signals on file.
  • 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.
  • 1 open charge(s) of 3.30 Lakh already registered.
  • Compliance record supports lending.
Investor view86/100
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 15 events
30 Sep 2025
Last AGM held
Annual general meeting
25 Aug 2025
Director ceased
GAJANAND SHARMA
31 Mar 2025
Latest balance sheet
Filed with ROC
31 Mar 2023
Share transfer (FY 2023)
24000.00000000 shares to OMKARA VINCOM PVT. LTD.
Share transfer (FY 2023)
60000.00000000 shares to OMKARA VINCOM PVT. LTD.
Share transfer (FY 2023)
11100.00000000 shares to OMKARA VINCOM PVT. LTD.
05 Oct 2021
Director ceased
BISWANATH BANERJEE
Director ceased
BIJAY KUMAR LOYALKA
Director ceased
SNEHANGSHU DATTA
Director ceased
MADAN LAL SHARMA
19 Feb 2021
Charge satisfied
Others
08 Feb 2021
Charge satisfied
Hdfc Bank Limited
31 Mar 2020
Share transfer (FY 2020)
4700.00000000 shares to MANJU LOYALKA
Share transfer (FY 2020)
6700.00000000 shares to MANJU LOYALKA
20 Apr 2017
Charge created
Others - 80.00 Lakh
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.
Operates a group structure with 1 subsidiary(ies) - assess on a consolidated basis.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a majority 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.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Basant Forex Private Limited U45202PB2006PTC030088 Punjab, Punjab, India
Shiplinks Chartering Services Private Limited U63090DL2006PTC146183 New Delhi, Delhi, India
Sethia Agroteck Limited U15143WB2006PLC108159 Kolkata, West Bengal, India
J. A. Credit Consultants Private Limited U74140MH2003PTC141504 Mumbai, Maharashtra, India
Gokul Finance And Investment Company Private Limited U65993TG1989PTC009447 Hyderabad, Telangana, India
Dhansar Capital Limited U67190WB1994PLC065686 Kolkata, West Bengal, India
Quicker Marketing Pvt Ltd U41000TG1996PTC068862 Patancheru, Telangana, India
B.R.Capital Private Limited U70100OR1997PTC004798 Cuttack, Orissa, India
12

Who Uses This Report

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

Verify Zenith Credit Private Ltd. before audits and certifications: compliance score 86/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Zenith Credit Private Ltd.: 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 65/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Positive growth indicators. Growth score 75/100, margin trends, ownership structure and peer set for Zenith Credit Private Ltd. - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 92/100, distress signals and MSME payment-delay disclosures - know whether Zenith Credit Private Ltd. pays its suppliers before you extend credit terms.

Lawyers & Compliance Teams

Litigation footprint (2 case(s) on record), regulatory flags, charge documents trail and director networks for Zenith Credit Private Ltd. - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Zenith Credit Private Ltd. an active company?

Zenith Credit Private Ltd. has MCA status “Active” with a compliance score of 86/100 (Low Risk).

Is Zenith Credit Private Ltd. financially healthy?

Zenith Credit Private Ltd. has a Financial Health Score of 95/100 (Low Risk) based on its filed financial statements.

Should I do business with Zenith Credit Private Ltd.?

Its overall Trust Score is 92/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Zenith Credit Private Ltd.?

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

Does Zenith Credit Private Ltd. have loans or charges against its assets?

1 open charge(s) are registered against its assets, and 3 earlier charge(s) stand satisfied.

Is Zenith Credit Private Ltd. up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 86/100 (Low Risk).

Is it risky to lend to Zenith Credit Private Ltd.?

Its Credit Risk Score is 65/100 (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.