Question 1

What is a Business Information Report (BIR) for registered entities?

Accepted Answer

A Registered BIR is a comprehensive due diligence document built exclusively on statutory data. Unlike reports for unregistered firms, it aggregates official filings from the Ministry of Corporate Affairs (MCA), GSTN, and ROC for Private Limited, Public Limited, and LLP entities to provide a verified 'Source of Truth' for credit and risk assessment.

Question 2

How is this live BIR different from a traditional credit bureau PDF?

Accepted Answer

Traditional reports are often 'snapshots' that become obsolete the moment they are saved. Our product is a Live Data Layer. Instead of a static PDF, you access a dynamic engine that pulls real-time data from government portals, ensuring your risk policy is based on today’s filings, not six-month-old archives.

Question 3

Which data sources are covered in your registered entity reports?

Accepted Answer

We provide a 360-degree view by aggregating data from: MCA21 for shareholding, director details, and charges; GSTN for tax filing discipline and turnover trends; Legal/Courts for stage-wise litigation tracking across District, High, and Supreme Courts; Default Lists including RBI Defaulters, SEBI debarred lists, and EPF data.

Question 4

Does the BIR support RBI and SEBI compliance norms?

Accepted Answer

Yes. Our reports are engineered to meet the stringent KYB (Know Your Business) and PMLA (Prevention of Money Laundering Act) guidelines. They facilitate 'Perpetual KYC' by automatically flagging changes in directorship, shareholding, or legal status, helping BFSI institutions stay audit-ready.

Question 5

Can we integrate these reports into our existing LOS or ERP?

Accepted Answer

Absolutely. Our product is built as a DaaS (Data as a Service) platform. You can access reports via our secure web portal or integrate our REST APIs directly into your Loan Origination System (LOS), ERP, or internal risk models for automated decisioning.

Question 6

Can I customize the data points in my report?

Accepted Answer

Yes. Using our Dynamic Report Architect, you can select from over 100+ data variables to build a format that matches your specific credit policy. You can remove irrelevant noise and standardize templates for your entire organization to ensure consistent risk evaluation.

Director Name	Designation	Date of Appointment	Last Updated
PREDEEP MANKORE SANKARAN 00323900	Managing DirectorSince 24 Jul 2014	24 Jul 2014	27 May 2024
DIVAKARAN PAZHANGAPARAMBU UNNIKRISHNAN 01608147	DirectorSince 22 Oct 2016	22 Oct 2016	08 Jul 2024
PUNNAPPILLY RAMAN NAMBOOTHIRI RAMAN NAMBOOTHIRI 03589872	DirectorSince 13 Aug 2011	13 Aug 2011	08 Jul 2024
SANDEEP PAIKKATTU NEELAKANDAN 03589892	DirectorSince 13 Aug 2011	13 Aug 2011	08 Jul 2024
SHADANANAN RAGHAVAN 03631117	Company SecretarySince 01 Aug 2025	01 Aug 2025	-
KODANAT BRAHMADATHAN BRAHMADATHAN 06701347	DirectorSince 20 Sep 2015	08 Sep 2013	30 Jul 2025
UNNIKRISHNAN NJANAPPILLY DAMODARAN 07642580	DirectorSince 22 Sep 2017	22 Sep 2017	08 Jul 2024
NARAYANAN NAMBOODIRI KRISHNAN NAMBOODIRI PAZHANGAPARAMBU MANA 07642603	DirectorSince 22 Sep 2017	22 Sep 2017	08 Jul 2024
KESAVAN MANKORA SUBRAMANIAN 07642605	DirectorSince 22 Sep 2017	22 Sep 2017	15 Jun 2024
VASUDEVAN MADHAVAN POTTI 08812262	DirectorSince 30 Dec 2020	14 Jul 2020	01 Sep 2025
AMBIKA NARAYANAN NAIR	CFOSince 01 Jan 2023	01 Jan 2023	-

Director Name	Designation	Date of Appointment	Last Updated
PREDEEP MANKORE SANKARAN 00323900	Managing DirectorSince 24 Jul 2014	24 Jul 2014	27 May 2024
DIVAKARAN PAZHANGAPARAMBU UNNIKRISHNAN 01608147	DirectorSince 22 Oct 2016	22 Oct 2016	08 Jul 2024
PUNNAPPILLY RAMAN NAMBOOTHIRI RAMAN NAMBOOTHIRI 03589872	DirectorSince 13 Aug 2011	13 Aug 2011	08 Jul 2024
SANDEEP PAIKKATTU NEELAKANDAN 03589892	DirectorSince 13 Aug 2011	13 Aug 2011	08 Jul 2024
SHADANANAN RAGHAVAN 03631117	Company SecretarySince 01 Aug 2025	01 Aug 2025	-
KODANAT BRAHMADATHAN BRAHMADATHAN 06701347	DirectorSince 20 Sep 2015	08 Sep 2013	30 Jul 2025
UNNIKRISHNAN NJANAPPILLY DAMODARAN 07642580	DirectorSince 22 Sep 2017	22 Sep 2017	08 Jul 2024
NARAYANAN NAMBOODIRI KRISHNAN NAMBOODIRI PAZHANGAPARAMBU MANA 07642603	DirectorSince 22 Sep 2017	22 Sep 2017	08 Jul 2024
KESAVAN MANKORA SUBRAMANIAN 07642605	DirectorSince 22 Sep 2017	22 Sep 2017	15 Jun 2024
VASUDEVAN MADHAVAN POTTI 08812262	DirectorSince 30 Dec 2020	14 Jul 2020	01 Sep 2025
AMBIKA NARAYANAN NAIR	CFOSince 01 Jan 2023	01 Jan 2023	-

PNY SABHA FINANCE LIMITED

Current Directors

Past Directors

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FAQs

Frequently Asked Questions

Current Directors

Past Directors