What Is Finanvo Debts?
Finanvo Debts decodes corporate borrowing data from official MCA filings. Whenever a company takes a loan or creates a charge on its assets, it files a document called Form CHG-1. Finanvo reads those filings and turns them into clean, searchable insights like the bank name, amount borrowed, rate of interest, repayment terms, and collateral.
In short: it’s like having Google for company loans — built for sales, credit, and leadership teams.
About CHG-1 (in Simple Words)
When an Indian company borrows money, it must tell the government by filing a form called CHG-1. This keeps a record of the loan details. Finanvo Debts reverses that process — it reads the government filings and shows you who borrowed how much and from whom, with filters that make sense to business users.
Example: “Show companies that took loans from HDFC Bank in 2023 above ₹1 crore.” — Finanvo returns the list in seconds.
The Finanvo Debts Dashboard & Powerful Filters
Search and sort companies with precision using filters built for real-world workflows:
Company & Filing
- Company Charges Filters
- CIN & Company Name
- Form type (CHG-1, CHG-4, modifications)
- Consortium / Joint Charge
Loan Attributes
- Chargeholder (Bank/NBFC)
- Instrument Date
- Amount Secured
- ROI (Rate of Interest)
Terms & Security
- Terms of Repayment
- Margin
- Extent of Operation
- Short Particulars / Purpose
These insights are sourced from official filings and structured to be human-readable and business-ready.
Who Uses Finanvo Debts (and How)
For Sales Heads & Business Development
- Spot companies in growth mode (fresh loans, bigger limits).
- Focus on high-value borrowers by Amount.
- Prioritize by Chargeholder or Instrument Date.
Insight: If a company just borrowed ₹10 crore for expansion, they may need equipment, insurance, hiring, leasing — and better rates. That’s your opening.
For Telecallers & Sales Executives
- Get decision-maker details (Directors, CFOs, Authorized Signatories).
- Call with context: “I noticed your recent working capital loan with Kotak. Are you exploring better terms or digital collections?”
- Turn cold calls into warm conversations.
For Credit & Risk Teams
- Access 10 years of financials, shareholding, and ratios.
- Review active charges, cross-bank exposure, and red flags.
- Check compliance (ROC, GST, EPFO, legal, news) and EWS.
- Pre-qualify borrowers before requesting documents.
For Banks, NBFCs & FIs
- Track competitor lending patterns and sector trends.
- Discover refinance and cross-sell opportunities.
- Monitor risk across industries and geographies.
Real Example: From CHG-1 to Insight
Company: NEW UDAI MEDICAL CENTRE PRIVATE LIMITED
Chargeholder: HDFC Bank Limited
Amount Secured: ₹7.03 Crores
Repayment: 48 EMIs (~₹1.19 lakh each) | Security: Commercial hospital property (Gorakhpur)
Insight: A private healthcare unit expanding via asset-backed financing — a warm lead for equipment vendors, fintech lenders and refinance offers.
This is how Finanvo converts public filings into business intelligence you can act on.
From Data to Decision — The Finanvo Workflow
- Filter companies using bank, amount, ROI, date and charge type.
- Open the company profile to view financials, shareholding and directors.
- Analyze credit health with 10-year financials and compliance checks.
- Add notes (public or private) and assign priority.
- Access contacts of decision-makers to send proposals.
- Monitor for new charges, modifications or red flags.
It’s like having a corporate intelligence assistant — always current, always structured.
Part of the Finanvo Ecosystem
Identify
Search companies, debts, GST, IEC, professionals, startups, trusts and MSMEs.
Watchlist
Track chosen entities for updates on charges, filings and compliance.
Insights
Spot macro trends across sectors and geographies.
Authorize
Verify entities and documents for confidence in onboarding.
Why Finanvo Debts Stands Out
- Direct from MCA: Data derived from official charge filings.
- Real-time updates: Automated sync ensures freshness.
- Smart filters & clean UI: Find exactly what you need, fast.
- 360° profiles: Link debts to financials, GST, EPFO, legal & news.
- Built for teams: Sales, credit, leadership and ops.
- Secure & compliant: Governance-first architecture.
Explained Like You’re 10
Imagine your friend borrows money to buy a bicycle. The shopkeeper writes down how much, at what rate, and when to pay back. Companies do the same — but they tell the government using a CHG-1 form. Finanvo reads that record and shows you who borrowed, how much, from which bank, and why — so you can decide whether to work with them.
Analysis, Lead Generation, Financial Review & Monitoring — All in One
Analysis
Study loan patterns, interest trends and borrower behavior to understand markets better.
Lead Generation
Discover expanding companies and prioritize high-potential clients based on fresh charges.
Financial Analysis
Access a decade of financials, ratios and shareholding to assess strength quickly.
Monitoring
Set watchlists to receive updates on new charges, modifications or early warning signals.
FAQs
Is the information reliable?
Yes. Finanvo structures data from official MCA charge filings and enriches it for accuracy and usability.
Can I export or integrate this data?
Yes. Teams can export reports or connect via APIs (subject to plan and permissions).
Do telecallers see contacts and talking points?
Yes. Decision-maker details and context from recent charges help teams start meaningful conversations.
Get Started
Every loan filing is a business story — Finanvo helps you read it. Explore Finanvo Debts and turn public data into growth.
Prefer a quick trial? Create an account and test drive the Debts module.
References
- MCA charge filings (e.g., CHG-1) as submitted by Indian corporates.
- Finanvo company profiles (financials, compliance, directors, shareholding, news).
