Credablr — MSME Business Assessment Platform  ·  Confidential Report
Arya Trading Co.
Electrical & Hardware Wholesale Distribution  ·  Pune, Maharashtra
GSTIN 27AACFA5847Q1ZV
CIN U51909MH2018PTC302156
MSME Udyam MH-27-0034219
Est. 2018 · 8 years in operation
Report Date 31 Aug 2026
Business Health Score
742/1000
◉ GOOD STANDING
GST Filing — 100% On-Time (Last 24 Months)
Bank Account — Active · ICICI Bank Current A/C
CIBIL CMR Rank — CMR-3 (Low Risk)
Customer Concentration — Top 3: 52%
Cash Reserve — 2.4× Monthly Operating Expenses
⚠️ Sample Report — Illustrative Data Only
This report demonstrates Credablr's output format and methodology. All financial data, GSTIN, and business details are synthetic examples created for demonstration purposes. Production reports are built from verified data sources including Surepass APIs, CIBIL Commercial Bureau, and Account Aggregator framework.
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Financial Health
386/500
Strong revenue growth; healthy cash position; clean credit history
⚙
Operational Health
356/500
Diversified customer base; stable supplier relationships
Financial Health
386 / 500 · Strong
Data Sources: Bank Statement Analysis (Surepass API · 24 months), GST Returns Analysis (Surepass GST API · GSTR-1/3B), Commercial Credit Bureau (CIBIL Commercial Rank API)
Annual Revenue (FY25)
₹4.73 Cr
↑ 18.4% from FY24
Strong Growth
Avg Monthly Inflow
₹39.4 L
Std Dev: ₹4.2 L — Low volatility
Stable
Cash Reserve (Current)
₹18.7 L
2.4× avg monthly opex
Healthy Buffer
Total GST Paid (FY25)
₹56.2 L
100% on-time filings
Compliant
CIBIL Commercial Rank
CMR-3
Low credit risk (Scale: CMR-1 to CMR-10)
Low Risk
Credit Utilization
42%
Of ₹25L sanctioned limit
Healthy
Monthly Revenue Trend — FY25 (Apr–Mar)
AprMayJunJulAugSepOctNovDecJanFebMar
GST Filing History — Last 12 Returns (GSTR-3B)
Period Return Filed Taxable Turnover Tax Paid (₹) Filing Status
Jul 2026GSTR-3B₹42.8 L5,56,400Filed On Time
Jun 2026GSTR-3B₹38.2 L4,96,600Filed On Time
May 2026GSTR-3B₹40.5 L5,26,500Filed On Time
Apr 2026GSTR-3B₹37.9 L4,92,700Filed On Time
Mar 2026GSTR-3B₹44.1 L5,73,300Filed On Time
Feb 2026GSTR-3B₹39.6 L5,14,800Filed On Time
Commercial Credit Bureau Summary (CIBIL)
Active Credit Accounts
2
Working capital loan + OD limit
Total Outstanding Debt
₹10.5 L
Against ₹25L sanctioned
Days Past Due (DPD)
0
No delayed payments in 24 months
Clean
Credit Enquiries (12mo)
3
Moderate credit seeking activity
Oldest Account Age
6.2 years
Established credit history
Default History
None
No NPA, suits, or write-offs
Clean
Revenue shows consistent upward trend with 18.4% YoY growth and low monthly volatility (±10%). Cash reserve at 2.4× monthly operating expenses indicates strong liquidity management. CIBIL Commercial Rank of CMR-3 (on a 10-point scale where CMR-1 is lowest risk) reflects a borrower with low probability of default. Zero DPD over 24 months demonstrates reliable payment discipline.
Operational Health
356 / 500 · Good
Data Sources: e-Invoice Analysis (Surepass e-Invoice API · 24 months), GST Network GSTR-2A Cross-Verification
Customer Metrics
Active Buyers (FY25)
47
Verified via e-Invoice GSTIN
Top Customer Share
24%
4-yr relationship
Diversified
Top 3 Customer Share
52%
Secondary: 18%, Tertiary: 10%
Moderate Conc.
Avg Relationship Tenure
2.8 years
Via e-Invoice history
Supplier Metrics
Active Suppliers
14
Verified via GSTR-2A
Top Supplier Share
31%
6-yr relationship
Stable
Supplier Diversity
Good
Top 3: 62% of purchases
Longest Relationship
7.4 years
Primary electrical supplier
Key Verified Trading Relationships (Top 8 by Volume)
Entity Type Since FY25 Trade Value Invoices Verification
Maharashtra Electricals Ltd.
Mumbai, Maharashtra		 Buyer 2020 (6 yrs) ₹1.14 Cr 84 ✓ GSTIN
Shri Ganesh Hardware
Nashik, Maharashtra		 Buyer 2021 (5 yrs) ₹0.85 Cr 62 ✓ GSTIN
Vardhman Cables Pvt. Ltd.
Ahmedabad, Gujarat		 Supplier 2018 (8 yrs) ₹1.47 Cr 96 ✓ GSTIN
Indus Switchgear Mfg.
Coimbatore, Tamil Nadu		 Supplier 2019 (7 yrs) ₹0.94 Cr 58 ✓ GSTIN
Pune Construction Supplies
Pune, Maharashtra		 Buyer 2022 (4 yrs) ₹0.47 Cr 38 ✓ GSTIN
Rajasthan Lighting Co.
Jaipur, Rajasthan		 Buyer 2023 (3 yrs) ₹0.38 Cr 29 ✓ GSTIN
Invoice Activity Summary — FY25
Total Invoices Issued
412
To 47 unique buyers
Total Invoices Received
284
From 14 verified suppliers
GSTIN Match Rate
98.3%
e-Invoice to GSTR-2A reconciliation
Clean
Customer base shows healthy diversification with 47 active buyers and no single customer exceeding 24% of revenue. Top 3 customer concentration of 52% is within acceptable range for wholesale distribution. Average relationship tenure of 2.8 years indicates stable business partnerships. Supplier side shows 7+ year relationships with primary vendors, suggesting reliable supply chain and strong industry reputation.
Risk Assessment & Lending Recommendation
Risk Factors
Customer Revenue Concentration
MODERATE
Credit History Risk
LOW
Cash Flow Stability
LOW
GST Compliance Risk
VERY LOW
Supplier Dependency
LOW
Lending Recommendation
✓ Recommended for Working Capital Financing
Strong fundamentals: clean credit history (CMR-3), consistent revenue growth (18.4% YoY), healthy cash reserve, 100% GST compliance
Suggested Credit Line
₹20–30 Lakhs
Overdraft or invoice discounting facility tied to receivables
Monitoring Points
• Track top customer concentration (currently 24%)
• Monitor credit utilization (currently healthy at 42%)
• Quarterly GST filing review to maintain compliance track record
Data Sources (Production Reports): Surepass Bank Statement Analyzer API (24-month transaction history, cash flow analysis) · Surepass GST Analysis API (GSTR-1/3B filing history, taxable turnover, compliance status) · Surepass e-Invoice API (buyer/supplier relationships, invoice volumes, GSTIN verification) · CIBIL Commercial Credit Report API (CreditVision Commercial Rank, credit history, DPD, default records) · Account Aggregator Framework (consent-based bank statement pulls where applicable).
Verification Standard: All counterparty GSTINs verified against GSTN master database. Trading relationships derived from e-Invoice metadata cross-referenced with GSTR-2A reconciliation data. Bank statement data validated via Account Aggregator framework (AA-sourced) or Surepass PDF parsing with fraud detection checks.
Disclaimer: This report is generated for credit assessment purposes only. Figures in this SAMPLE report are synthetic and illustrative. Production reports contain data pulled from live API sources listed above. This is not a statutory audit, legal opinion, or guarantee of creditworthiness. Lending decisions should incorporate additional due diligence.
Report ID: CR-2026-PNE-00042  ·  Credablr Platform v1.0  ·  MSME Category: Wholesale Trade — Electrical Equipment  ·  State: Maharashtra  ·  Generated: 31 Aug 2026