Credit assessment · public-source basis

Oriana Power Limited

A contracting business with an owned-asset leg alongside it. How the two share capital is the credit question.

Assessed 28 September 2026 · financials to Mar 2026 · shareholding as of 31-MAR-2026
Purpose
Evaluate the company as borrower for a supply chain finance facility. A policy simulation by Avexo Credit Advisors.
Indicated facility
working capital / receivable finance
Basis
Published filings and exchange disclosures only. No first-party GST, bank-statement or bureau data is applied.
Not covered here
KYC, beneficial ownership, director records, litigation and sanctions — these sit in a separate integrity report.
Scope

Purpose and basis

The purpose of this report is to evaluate Oriana Power Limited for a supply chain finance facility, with the company as the borrower. It is a policy simulation by Avexo Credit Advisors, run on publicly available data only. The facility the business model indicates is working capital / receivable finance.

KYC verification, registered and operating addresses, ultimate beneficial ownership, director records, litigation and sanctions screening are covered in a separate KYC and integrity report and are not repeated here.

Avexo operates first-party credit infrastructure that this assessment does not use: GST filings and the Avexo Network Intelligence Score, bank statement analysis, commercial and consumer bureau, interim financials, crime check and import/export records. None of it is applied in this document. Basis of this report, at the end, sets out what each of those would have resolved in this specific case.

Where the figures come from. This assessment draws on two sources with different reliability, and the difference matters. Headline financials — revenue, margins, leverage, and every covenant computed from them — come from the statements as filed with the exchanges, standardised. Note-level figures — the segment split, contingent liabilities and guarantees, related-party transactions, supplier dues and the cash-flow detail — are read from the annual report by a language model, because those notes are published as prose and tables rather than as data. Every calculation in this document is deterministic. The inputs to some of them are not.

Where a note figure also appears in the statements, the two are compared. Is the basis what we say it is reports every such test and its result. Of the 2 note figures that could be cross-checked, 2 agree with the statements and 0 do not.

Assessment

The call

Avexo Policy Grade D — Structure-dependent — reduced limit, shorter tenor or security, else decline. The indicated facility is working capital / receivable finance, sized at ₹8.2 cr on the house view, within a range of ₹4.1 cr to ₹16.4 cr depending on risk appetite.

6 triggers fired: free cash flow, investing outflow / revenue, off-balance-sheet guarantees / net worth, operating cash before liability swing, revenue transacted with related parties, msme supplier dues, year on year. The grade summarises the conditions register. The register is the decision; the letter is the index into it. The grade states the risk; risk appetite decides the action, which is why one letter carries three of them.

Risk appetiteLimitAction at this gradeControls required
Conservative₹4.1 crmodel-implied ₹33.2 cr · ceiling ₹4.1 cr
bound by policy ceiling
Decline.
  • Contracting leg only; the owned-asset leg is outside the borrowing base.
  • Drawings against certified receivables, on named obligors.
  • Guarantee schedule as a condition precedent.
  • MSME supplier ageing furnished quarterly.
Balanced · house view₹8.2 crmodel-implied ₹33.2 cr · ceiling ₹8.2 cr
bound by policy ceiling
Fundable only with structure: the conservative limit, the contracting leg ring-fenced, and the register cleared as conditions precedent.
  • Contracting leg only; the owned-asset leg is outside the borrowing base.
  • Negative covenant on new guarantees above an agreed cap.
  • Review event on any material change to the divestment agreement.
  • Quarterly reporting against the conditions register.
Growth₹16.4 crmodel-implied ₹33.2 cr · ceiling ₹16.4 cr
bound by policy ceiling
Fundable at the growth limit only with escrow on named receivables, the owned-asset leg ring-fenced, and the whole register answered before first drawing.
  • Escrow on named receivables funding the facility.
  • Owned-asset leg formally ring-fenced, with the guarantee position frozen.
  • The whole conditions register answered before first drawing, not after.
  • Monthly receivable ageing and quarterly guarantee schedule.

Sizing runs on the same policy engine that sizes a live application, not on a formula written for this document. The engine builds a limit from two independent paths — a working-capital path, which funds the gap between the current assets a business carries and the current liabilities that already finance them, and an earnings path, which sizes against the profit the business generates. It takes the supportable figure and applies a policy ceiling.

On public filings only the earnings path runs, and only on a monthly basis: the working-capital path needs a current / non-current split of the balance sheet that public statements do not carry, and the cash leg of the earnings path needs a split between cost of goods and operating cost that they do not carry either. Both are reported here as not computable rather than estimated.

The three bands are the same engine run at three standing risk appetites. A conservative appetite holds back more of the working-capital gap as owner margin, funds a smaller share of what remains, gives less credit to slow receivables and carries a lower ceiling; a growth appetite does the opposite and buys the difference with controls rather than with margin. The bands are fixed policy, applied unchanged to every borrower, so the spread between them is a statement about our appetite and never about this company.

₹4.1 Cr to ₹16.4 Cr depending on appetite, with ₹8.2 Cr as the house view. The range is a menu of our own stances applied to one set of facts, not uncertainty about the borrower.

Every band is bound by its policy ceiling rather than by the earnings path, and the parameters that otherwise separate the bands act on the working-capital path — which public data cannot run at all. So on filings alone the bands separate only at the ceiling. Borrower financials collapse that: the working-capital path computes, and the three bands become three genuinely different numbers rather than three ceilings.

The working-capital path — adjusted receivables and inventory plus cash, less current liabilities, at 40% of MPBF net of a 10% owner margin — needs a current / non-current split of the balance sheet. That split is not published in a standardised public summary, so no MPBF limit is computed here. The number above is the ATP leg alone.

The engine's quarterly operating-cash leg needs a cost-of-goods line separate from operating cost. A standardised public summary publishes one total expense figure, so that leg is not computed here rather than approximated.

Borrower financials and a bank statement give the current / non-current split, the real payables balance and actual utilisation — which is the difference between this indicative number and a sanctionable MPBF limit.

Analytical approach

How the grade is reached

AxisScore (1 strongest, 4 weakest)Components
Financial risk3net debt / EBITDA 0.56 → 1; interest cover 6.06 → 1; cash conversion 0.85 → 2; TOL / TNW (after guarantees) 4.2 → 4; operating cash before the liability swing -353.55 → 4; free cash flow -169.0 → 3
Business risk3archetype epc_contractor → 3; segment capital asymmetry 9.7×, owned-asset leg loss-making after interest → 4; MSME supplier dues 12.31× year on year → 4; related-party revenue 59.8% of turnover → 4; [disclosure] 1 block of the file not available from public sources → 2

Anchor from the two axes: C. Notches applied: -1. Grade: D.

Fired covenants do not notch — they cap the grade and populate the conditions register. For most covenants, notching as well would count the same ratio twice, because the metric is already scored inside an axis. These covenants are not scored in either axis: capex intensity pct, cc cycle days, debt equity, dso days. For them the double-count argument does not apply, so a breach caps the grade and raises a condition without otherwise moving the letter. Fired and outside the axes here: capex intensity pct.

This is a policy action under Avexo's own credit policy, not a credit rating. It carries no probability of default, is not comparable to a rating-agency scale, and is not investment advice.

The company

What the business is

Oriana Power Limited is an integrated clean energy solutions provider specializing in solar, battery energy storage systems (BESS), green hydrogen, and e-fuels. The company delivers end-to-end decarbonisation solutions for industrial, commercial, and utility customers, leveraging strong execution capabilities and a diversified portfolio across the renewable energy value chain. It operates under both OPEX and CAPEX models, with a focus on project-based SPVs for OPEX to manage risks and facilitate financing.

Archetype read from filings: epc_contractor (revenue_model = 'project_milestone'). Revenue recognised on milestones; cash lags certification. Exposure is to order-book conversion, not to fixed assets.

ARCHETYPE_CONTRADICTED_BY_CAPEX. Filings describe an asset-light model (epc_contractor), but investing outflow is 27.89% of revenue — the profile of a business that also builds and keeps assets.

Resolved from the segment note: the business runs a contracting leg (EPC Segment, 98.2% of revenue at 1.7× capital turn) alongside an owned-asset leg (Resco Segment, 17.7% of capital employed at 0.15×). The archetype is not contradicted; it is incomplete.

Size the legs separately. A working-capital limit set off contracting turnover carries no exposure to the owned-asset leg, which is where the capital and the losses sit.

SegmentRevenueof revenueSegment resultMarginPBTCapital employedof capitalCapital turn
EPC Segment₹1,781 cr98.2%₹405 cr22.8%₹359 cr₹1,047 cr82.3%1.70×
Resco Segment₹33 cr1.8%₹4 cr12.9%−₹12 cr₹225 cr17.7%0.15×

segment note, consolidated financial statements

Resco Segment is 1.8% of revenue and 17.7% of capital employed — it holds capital at 9.7× its share of the top line, turning it 0.15× against 1.7× in EPC Segment. It earns ₹4.3 Cr at the segment result line and loses ₹12.2 Cr after the ₹16.5 Cr of interest the note allocates to it.

GST turnover by counterparty confirms the segment split monthly, rather than once a year in arrears.

Forced pairing

Strengths and weaknesses

Strengths

  • net debt / EBITDA 0.56
  • interest cover 6.06
  • cash conversion 0.85

Weaknesses

  • TOL / TNW (after guarantees) 4.2
  • operating cash before the liability swing -353.55
  • free cash flow -169.0
  • archetype epc_contractor
  • segment capital asymmetry 9.7×, owned-asset leg loss-making after interest
  • MSME supplier dues 12.31× year on year
  • related-party revenue 59.8% of turnover

Each item is a scored component of the grade, not an authored opinion, so the two columns together account for the letter. Scored but shown in neither column, being a fact about the sources rather than about the borrower: 1 block of the file not available from public sources.

Seven years

Financial position

Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue₹21 cr₹34 cr₹124 cr₹135 cr₹383 cr₹987 cr₹1,814 cr
EBITDA₹2 cr₹3 cr₹12 cr₹19 cr₹81 cr₹235 cr₹398 cr
EBITDA margin9.5%8.8%9.7%14.1%21.1%23.8%21.9%
PAT₹1 cr₹1 cr₹7 cr₹11 cr₹54 cr₹159 cr₹252 cr
Operating cash flow₹2 cr₹1 cr₹9 cr₹16 cr₹2 cr₹290 cr₹337 cr
Free cash flow−₹4 cr−₹13 cr−₹7 cr−₹25 cr−₹115 cr−₹232 cr−₹169 cr
Net worth₹1 cr₹5 cr₹15 cr₹32 cr₹146 cr₹509 cr₹763 cr
Borrowings₹4 cr₹17 cr₹28 cr₹71 cr₹184 cr₹271 cr₹509 cr
Receivables₹4 cr₹14 cr₹25 cr₹37 cr₹79 cr₹394 cr₹671 cr
Debtor days76148729975146135
Net debt / EBITDA1.50×4.67×2.33×3.63×1.37×0.86×0.56×
Interest cover—3.00×5.50×6.00×13.17×9.08×6.06×
TOL / TNW8.49×7.60×4.00×3.50×1.81×1.68×2.36×
Cash conversion1.00×0.33×0.75×0.84×0.02×1.23×0.85×

Financial statements as filed with the exchanges, standardised.

Quality-of-earnings flags: FCF_NEGATIVE_MULTI_YEAR, GROWTH_DEBT_FUNDED.

EBITDA over interest. It carries no principal repayment, because no amortisation schedule is public, so it is a coverage proxy and not a debt-service ratio. With borrowings up from ₹271 Cr to ₹509 Cr, a true DSCR would be tighter.

Total investing outflow over revenue, not fixed-asset capex. For this borrower part of that outflow is advances to and investments in project subsidiaries rather than plant.

Taken as the cycle the company reports where it publishes one, rather than re-derived as DSO + DIO − DPO; the two can differ by a day on rounding.

Total outside liabilities are the balance-sheet total less net worth. Guarantees are excluded here and shown separately.

Back-derived from the published payable-days ratio against total expenses, because no separate cost-of-goods line is published. It is not read from the balance sheet.

Cash flow

Where the cash came from

Consolidated cash flowMar 2026
Operating profit before working capital₹368 cr
Increase in other current liabilities₹691 cr
Movement in receivables−₹277 cr
Movement in loans and advances−₹270 cr
Operating cash flow, as reported₹337 cr
Operating cash excluding the liability swing−₹354 cr

consolidated statement of cash flows

Operating cash flow of ₹337 Cr rests on a ₹691 Cr increase in other current liabilities — 204.9% of the cash flow it reports. Strip that one line out and operating cash is negative ₹354 Cr. The business earned ₹368 Cr before working capital; receivables absorbed ₹277 Cr and loans and advances a further ₹270 Cr.

Of ₹506 Cr of investing outflow, ₹153 Cr is property, plant and equipment — 30.2%. Capex intensity on plant alone is 8.4% of revenue, against 27.9% on total investing activity. A further ₹259 Cr went into subsidiaries classified held for sale.

GST returns and bank statements identify what the 'other current liabilities' balance actually is — customer advances, retention, or unpaid obligations — which decides whether this cash is durable or repayable.

Recourse

Off the balance sheet

Recourse positionMar 2026
Contingent liabilities, as disclosed₹183 cr
Guarantees inside that figure₹21 cr
Guarantees excluded from it₹1,385 cr
Assets securing them, off the balance sheet₹1,825 cr
Held-for-sale investments carried by the parent₹538 cr
Contract assets (unbilled revenue)₹75 cr
Total guarantees ÷ net worth1.84×
TOL / TNW as reported2.36×
TOL / TNW including guarantees4.20×

contingent liabilities and commitments note, including footnotes

Guarantees of ₹1,385 Cr sit outside the ₹183 Cr disclosed as contingent liabilities, on the company's own footnote, because the subsidiaries they support are classified held-for-sale. The assets securing them — carrying value ₹1,825 Cr — do not appear on the consolidated balance sheet. Total guarantees are 1.84× net worth. Separately, the parent carries ₹538 Cr of investments in those subsidiaries as assets held for sale on its own balance sheet.

The exclusion holds only while the held-for-sale classification does. On the company's own statement: The auditor's report states that investments in certain SPVs were reclassified from investments to assets held for sale for project allocation and intended divestment. The reclassification is based on management’s assessment of intended transfer and expected realisation.

Bureau data returns the group's live facility list and utilisation, so a guarantee can be read against what is actually drawn rather than the sanctioned amount.

Revenue quality

Who the revenue is billed to

Related-party revenueMar 2026
Revenue transacted with related parties₹1,085 cr
Share of turnover59.8%
Comparable figure, prior year₹385 cr
Year-on-year2.82×

related-party transactions note, consolidated

₹1,085 Cr of revenue — 59.8% of turnover — is disclosed as transacted with related parties, described in the note as: entities forming part of the promoter / promoter group, including project-specific spvs in which the control is intended to be temporary. The comparable figure a year earlier was ₹385 Cr. Margin, receivable and cash on that revenue depend on the same group, so it does not carry third-party credit risk and should not be read as though it does.

GST returns name every counterparty and date every invoice, which separates group billing from market billing without waiting for an annual note.

Conduct

How suppliers are paid

MSMED Act positionMar 2026
Principal unpaid to MSME suppliers₹41.4 cr
Prior year₹3.4 cr
Year-on-year12.31×
Share of trade payables19.7%
Share of revenue2.3%

dues to micro, small and medium enterprises note (MSMED Act, 2006)

Principal unpaid to MSME suppliers rose from ₹3.4 Cr to ₹41.4 Cr, 12.31× in one year, and is 19.7% of trade payables. The note reports a year-end balance, which includes amounts not yet due, so this is not by itself an overdue figure — the ageing behind it is the question.

Payables basis: trade payables as disclosed in the notes.

GST filings and bank statements convert this year-end balance into a supplier-level ageing, which is the difference between a delay and a dispute.

Distance to fire

Covenants, and how close each one is

Thresholds are applied at epc_contractor levels, because a figure that is alarming for one business model is unremarkable for another. Distance to fire is stated for every covenant, including those that have not fired.

CovenantValueThresholdStatusDistance
Receivable stretch135.00180.00· okok — by 45 days
Working capital cycle89.00150.00· okok — by 61 days
Leverage0.563.00· okok — by 2.44
Interest cover6.062.50· okok — by 3.56
Total outside liabilities / net worth2.363.50· okok — by 1.14
Cash conversion0.850.50· okok — by 0.35
Debt / equity0.672.00· okok — by 1.33
Free cash flow-169.000.00FIREDbreached by 169.00
Investing outflow / revenueSpend on plant alone is 8.4% of revenue. The covenant is measured on total investing outflow, which here also carries funding advanced inside the group.27.8915.00FIREDbreached by 12.89
Off-balance-sheet guarantees / net worth1.841.00FIREDbreached by 0.84
Operating cash before liability swing-353.550.00FIREDbreached by 353.55
Revenue transacted with related parties59.8025.00FIREDbreached by 34.80
MSME supplier dues, year on year12.312.00FIREDbreached by 10.31

Bank-statement and GST filing data add behavioural triggers — cheque bounces, filing delays, 60+ DPD — which move weeks before any published ratio does.

Reconciliation

Disclosed against computed

RatioAs disclosedAs computedStatusBasis
Debtor days—135.0single basisThe company's ratio note uses average receivables (opening + closing ÷ 2); ours uses the closing balance against revenue, which is the basis the cohort is measured on.
Working capital cycle—89.0single basisDefinitions of the cycle differ on whether payables are netted and on the denominator used for inventory.

The disclosed figure is reported as the company states it. Ours is reported alongside on a stated basis. Neither is corrected into the other.

Interim financials and bank statements settle which basis the receivable balance actually behaves like, month by month, instead of once a year at a balance sheet date.

Verification

Is the basis what we say it is

2 of 3 corroborated. Note-level figures are extracted from the annual report, which presents most notes on both a standalone and a consolidated basis under the same titles. Where a figure also appears in the standardised statements, the two are compared here. Agreement establishes the basis; disagreement past tolerance is the signature of a standalone figure in a consolidated document and is published rather than reconciled away.

QuantityAs notedAs statedGapBasis
Segment revenue total1813.67segment note1814.0statement of profit and loss0.02%Agrees
Cash from operations337.0354statement of cash flows337.0standardised cash flow0.01%Agrees
Trade payables209.5391MSMED Act note225.01back-computed from the payable-days ratio6.88%In line

Tolerance 2.0%.

Audited financials supplied directly carry an unambiguous basis on their face, so this check becomes unnecessary rather than merely passable.

Shareholding

Ownership

Shareholding as of 31-MAR-2026
Promoter holding58.0%
FII0.3%
DII0.3%

Encumbrance flags on the exchange filing: PROMOTER_SHARES_PLEDGED, NON_DISPOSAL_UNDERTAKING.

Promoter-level bureau pulls and personal guarantees convert a pledge flag into a quantified recourse position.

Ownership and control

Board and governance

Board composition and governance filings — not available from public sources. NSE publishes no corporate-governance filings for SME Emerge issuers; the master endpoint returns empty and the detail endpoint ignores the symbol parameter. Board composition is available in the annual report and can be extracted; MCA MGT-7A carries the filed position.

Probe42 supplies DIN-level director history, cross-directorships and disqualification status.

What has to be answered

Conditions register

5 risks to settle, consolidated from 11 detected conditions. Every question and every evidence line is generated from a detected condition and traces to the figure that raised it. The grouping into risks, and the wording of each risk, control and monitoring line, are fixed templates keyed on which conditions fired — never written for this company. The grade summarises this register; the register is the decision.

01

Revenue, recourse and the divestment point the same way

The risk

The exposure is concentrated inside the promoter group rather than spread across third parties. Revenue is billed to entities described as forming part of the promoter group, so margin, receivable and collection on that revenue all depend on the same group rather than on third-party credit risk. Guarantees given for group borrowings are excluded from the disclosed contingent liability, so the face of the accounts understates recourse. The assets securing those borrowings do not appear on the consolidated balance sheet, because the entities holding them are classified held-for-sale. That exclusion holds only while the held-for-sale classification does. If the divestment does not complete, the classification reverses and the excluded guarantees return on balance sheet against the same cash flows that would service the facility. Whether the entities the revenue is billed to and the entities whose borrowings are guaranteed are the same set is not established by public filings, and is the first thing to settle: if they are, the revenue, the receivable and the recourse are one exposure rather than three.

Ask the CFO

Of the revenue transacted with related parties, how much is billed, how much is collected, and on what payment terms? Please provide the ageing of receivables from those entities separately from third-party receivables.

  • The guarantees excluded from the disclosed contingent liability are 7.58× the figure in the table. Please provide the full guarantee schedule — beneficiary, amount, drawn balance, tenor and release condition.
  • What is the status and expected completion date of the divestment, and what happens to the consolidated leverage position if it does not complete within the facility tenor?
  • Which approvals and conditions precedent remain outstanding on the divestment, what is the revised expected completion date, and what is the consolidated position if the classification is reversed?
Evidence — 4 detected condition(s)
  • contingent liability note, footnote Off-balance-sheet guarantees / net worth: 1.84 against 1.0 (breached by 0.84). Guarantees of ₹1,385 Cr sit outside the ₹183 Cr disclosed as contingent liabilities, on the company's own footnote, because the subsidiaries they support are classified held-for-sale. The assets securing them — carrying value ₹1,825 Cr — do not appear on the consolidated balance sheet. Total guarantees are 1.84× net worth. Separately, the parent carries ₹538 Cr of investments in those subsidiaries as assets held for sale on its own balance sheet.
  • contingent liability note, footnote Plant assets of ₹1,825 Cr secure those borrowings and do not appear on the consolidated balance sheet, because the holding subsidiaries are classified held-for-sale.
  • related-party transactions note Revenue transacted with related parties: 59.8 against 25.0 (breached by 34.80). ₹1,085 Cr of revenue — 59.8% of turnover — is disclosed as transacted with related parties, described in the note as: entities forming part of the promoter / promoter group, including project-specific spvs in which the control is intended to be temporary. The comparable figure a year earlier was ₹385 Cr. Margin, receivable and cash on that revenue depend on the same group, so it does not carry third-party credit risk and should not be read as though it does.
  • auditor key audit matter, assets held for sale The exclusion holds only while the held-for-sale classification does. On the company's own statement: The auditor's report states that investments in certain SPVs were reclassified from investments to assets held for sale for project allocation and intended divestment. The reclassification is based on management’s assessment of intended transfer and expected realisation.
02

The quality of the cash the facility would be repaid from

The risk

Reported cash flow flatters the cash actually available to service a facility. Operating cash is carried by an increase in other current liabilities rather than by collection. A liability that unwinds is not a source of repayment. Most of the investing outflow is funding advanced inside the group rather than plant, and cash advanced to group entities is not working capital. Free cash flow is negative, so the business does not currently self-fund its own growth.

Ask the CFO

What is the ₹691 Cr increase in other current liabilities made up of — customer advances, retention, mobilisation money or unpaid obligations — and what is its repayment or adjustment profile over the next twelve months?

  • Free cash flow is negative at ₹169.0 Cr. At what revenue level does the current model self-fund, and what has to change to get there?
  • What return is expected on the cash advanced to subsidiaries held for sale, and over what period is it recovered?
Evidence — 3 detected condition(s)
  • covenant Free cash flow: -169.0 against 0.0 (breached by 169.00).
  • consolidated statement of cash flows Operating cash before liability swing: -353.55 against 0.0 (breached by 353.55). Operating cash flow of ₹337 Cr rests on a ₹691 Cr increase in other current liabilities — 204.9% of the cash flow it reports. Strip that one line out and operating cash is negative ₹354 Cr. The business earned ₹368 Cr before working capital; receivables absorbed ₹277 Cr and loans and advances a further ₹270 Cr.
  • consolidated statement of cash flows Of ₹506 Cr of investing outflow, ₹153 Cr is property, plant and equipment — 30.2%. Capex intensity on plant alone is 8.4% of revenue, against 27.9% on total investing activity. A further ₹259 Cr went into subsidiaries classified held for sale.
03

Where the capital is committed

The risk

Capital is being committed on a different tenor from the one a working-capital facility runs on. The business runs a contracting leg and an owned-asset leg, and the capital sits disproportionately in the leg with the lower return. A facility sized on consolidated numbers would be funding a capital programme rather than the contracting cycle it is meant to support. Investing outflow is high against revenue for this archetype. Read this with the investing split in the cash-flow section, which separates plant from group funding: the covenant is measured on total investing outflow, not on fixed-asset capex alone.

Ask the CFO

Resco Segment holds 9.7× its revenue share of capital employed. What is the plan for that capital — hold, monetise or expand — and over what horizon?

  • Investing outflow is 27.89% of revenue against a 15.0% ceiling for this archetype. How much of that is assets you will own and operate, and against what offtake?
Evidence — 2 detected condition(s)
  • covenant Investing outflow / revenue: 27.89 against 15.0 (breached by 12.89).
  • segment note Resco Segment is 1.8% of revenue and 17.7% of capital employed — it holds capital at 9.7× its share of the top line, turning it 0.15× against 1.7× in EPC Segment. It earns ₹4.3 Cr at the segment result line and loses ₹12.2 Cr after the ₹16.5 Cr of interest the note allocates to it.
04

Conduct toward the supply chain

The risk

How the borrower treats its own smallest suppliers is read here as conduct, because statutory supplier obligations rank ahead of a lender in practice. Principal unpaid to MSME suppliers has grown faster than the business. The note reports a year-end balance, which includes amounts not yet due, so this is not by itself an overdue figure — the ageing behind it is what would settle whether it is.

Ask the CFO

Please provide the MSME supplier ageing at the reporting date, split by days outstanding, and confirm whether any section 16 interest has been claimed or provided.

Evidence — 1 detected condition(s)
  • MSMED Act note MSME supplier dues, year on year: 12.31 against 2.0 (breached by 10.31). Principal unpaid to MSME suppliers rose from ₹3.4 Cr to ₹41.4 Cr, 12.31× in one year, and is 19.7% of trade payables. The note reports a year-end balance, which includes amounts not yet due, so this is not by itself an overdue figure — the ageing behind it is the question.
05

What could not be established, and where the basis disagrees

The risk

Parts of the file cannot be settled from public filings alone. Some blocks have no public source at all and have to be furnished directly. Neither is an adverse finding on its own; each is a covenant that cannot be tested until it is settled.

Ask the CFO

Please furnish the current board with DINs, appointment dates and independence classification, together with the latest MGT-7A; it could not be established from public filings.

Evidence — 1 detected condition(s)
  • coverage No public source available for: governance.

GST, bank statement and bureau data answer several of these without asking the borrower, and date the answer.

What we did not use

Basis of this report

This assessment used public filings and exchange disclosures only. Avexo operates first-party infrastructure that was deliberately not applied. Set against this specific report, here is what each would have resolved.

SectionWhat first-party data would have closed
Business ModelGST customer-level data resolves whether the concentration implied by the archetype is real for this borrower, and at what counterparty.
Covenant WatchBank-statement and GST filing data add behavioural triggers — cheque bounces, filing delays, 60+ DPD — which move weeks before any published ratio does.
Basis CorroborationAudited financials supplied directly carry an unambiguous basis on their face, so this check becomes unnecessary rather than merely passable.
SegmentsGST turnover by counterparty confirms the segment split monthly, rather than once a year in arrears.
Off Balance SheetBureau data returns the group's live facility list and utilisation, so a guarantee can be read against what is actually drawn rather than the sanctioned amount.
Supplier ConductGST filings and bank statements convert this year-end balance into a supplier-level ageing, which is the difference between a delay and a dispute.
Revenue QualityGST returns name every counterparty and date every invoice, which separates group billing from market billing without waiting for an annual note.
Cash QualityGST returns and bank statements identify what the 'other current liabilities' balance actually is — customer advances, retention, or unpaid obligations — which decides whether this cash is durable or repayable.
Ratio ReconciliationInterim financials and bank statements settle which basis the receivable balance actually behaves like, month by month, instead of once a year at a balance sheet date.
OwnershipPromoter-level bureau pulls and personal guarantees convert a pledge flag into a quantified recourse position.
GovernanceProbe42 supplies DIN-level director history, cross-directorships and disqualification status.
Trade ProfilePanjiva shipment data names foreign buyers and suppliers, destination countries and HS4 mix, and dates the last shipment.
Facility SizingBorrower financials and a bank statement give the current / non-current split, the real payables balance and actual utilisation — which is the difference between this indicative number and a sanctionable MPBF limit.
ConditionsGST, bank statement and bureau data answer several of these without asking the borrower, and date the answer.
FeedWhat it adds
GST returnsverified turnover vs declared, filing behaviour, customer- and supplier-level concentration
Bank statementscheque bounces, balance behaviour, true DSCR against actual servicing
Credit bureauexisting facility count, utilisation, DPD history
Customs feednamed counterparties, shipment recency
Portfolio cohorthow this borrower's profile has performed in our own book

Blocks that could not be established from public sources: governance.

This assessment is built entirely from public filings and exchange disclosures. It is a credit opinion, not a sanction, and carries no borrower-supplied data.