Compliance Engine
Full obligation calendar, FEMA/FDI tracker, ESOP compliance, filing evidence, and risk scoring — FinPilot Technologies
3 overdue filings — PF Dec, ESI Jan, and MIS report require immediate action. Compliance score: 69/100.
69/100
Compliance Score
–3 pts from last month
3
Overdue
PF Dec 2024
ESI Jan 2025
MIS Report
5
Due in 30 Days
TDS Q3 · Jan 31
GSTR-3B Dec · Jan 20
+3 more
32
Filed This Year
+8 vs same period last year
January 2025
Compliance obligation calendar — current month view
Overdue (3)
GSTR-3B (Nov 2024)
Due Dec 20, 2024 · 22 days overdue · Penalty ₹500 assessed
Overdue
PF Monthly Deposit (Dec 2024)
Due Jan 15, 2025 · 6 days overdue · Labor compliance risk
Overdue
MIS Report to Sequoia Surge (Nov 2024)
Due Jan 10, 2025 · 11 days overdue · Contractual obligation
Overdue
Due This Month — January 2025
TDS Q3 26Q Filing
Due Jan 31, 2025 · 10 days remaining · Tax compliance
Pending
ESI Monthly Return
Due Jan 15, 2025 · Overdue · Labor compliance
Overdue
GSTR-1 (Dec 2024) ✓ Filed on time
Due Jan 11, 2025 · Filed Jan 11, 2025 · GST compliance
Filed
GSTR-3B (Dec 2024)
Due Jan 20, 2025 · DUE TODAY · 0 days remaining
Due Today
Board Meeting (Q4 Scheduled)
Scheduled Mar 15, 2025 · 54 days remaining · Governance
Upcoming
Upcoming — Next 60+ Days
FEMA Form FC-GPR Renewal (Tranche 3)
Expected Mar 1, 2025 · Investment compliance
AGM (Annual General Meeting — Mandatory)
Due Sep 30, 2025 · Governance
Income Tax Return AY 2025-26
Due Oct 31, 2025 · Tax
AOC-4 Financial Statements Filing
Due Nov 30, 2025 · Statutory
Full Obligation Registry — FY 2024-25
| Filing | Category | Due Date | Filed Date | Status | Penalty | Reference | Action |
|---|---|---|---|---|---|---|---|
| MCA Annual Return (MGT-7) | Statutory | Oct 31, 2024 | Oct 28, 2024 | Filed | — | MGT7-2024-KA-12345 | |
| Financial Statements (AOC-4) | Statutory | Nov 30, 2024 | Nov 27, 2024 | Filed | — | AOC4-2024-KA-12345 | |
| GSTR-3B (Oct 2024) | Tax | Nov 20, 2024 | Nov 23, 2024 | Delayed | ₹500 | GSTR3B-2024-10 | |
| GSTR-1 (Oct 2024) | Tax | Nov 11, 2024 | Nov 11, 2024 | Filed | — | GSTR1-2024-10 | |
| TDS Q3 Filing (26Q) | Tax | Jan 31, 2025 | — | Pending | — | — | |
| PF Monthly Deposit (Dec 2024) | Labor | Jan 15, 2025 | — | Overdue | — | — | |
| ESI Monthly Return | Labor | Jan 15, 2025 | — | Overdue | — | — | |
| FEMA Form FC-GPR (Series A) | Investment | Feb 19, 2024 | Oct 12, 2024 | Delayed | — | FCGPR-2024-1234 | |
| DIR-3 KYC (All Directors) | Statutory | Sep 30, 2024 | Sep 28, 2024 | Filed | — | DIR3-2024 | |
| Income Tax Return (AY 2024-25) | Tax | Oct 31, 2024 | Oct 29, 2024 | Filed | — | ITR-2024-25 | |
| GSTR-1 (Dec 2024) | Tax | Jan 11, 2025 | Jan 11, 2025 | Filed | — | GSTR1-2024-12 | |
| PF Monthly Deposit (Nov 2024) | Labor | Dec 15, 2024 | Dec 12, 2024 | Filed | — | PF-NOV-2024 |
FC-GPR must be filed within 30 days of share allotment (FEMA 20R). Tranche 3 (~₹10 Cr) expected Mar 2025 — FC-GPR will be due within 30 days of allotment. Reminder set: Feb 15, 2025.
FEMA Form FC-GPR Tracker
Foreign Currency — Gross Provisional Returns
| Event | Type | Amount | Allotment Date | Due Filing | Filed Date | Status | Reference |
|---|---|---|---|---|---|---|---|
| Series A CCPS Allotment (Sequoia Surge) | Form FC-GPR | ₹45 Cr | Jan 20, 2024 | Feb 19, 2024 | Oct 12, 2024 | Late (filed) | FCGPR-2024-1234 |
| Bridge Note (Sequoia Surge) | Form FC-GPR | ₹2 Cr | Jun 15, 2023 | Jul 15, 2023 | Jul 1, 2023 | On Time | FCGPR-2023-0456 |
| Tranche 3 (Planned — ₹10 Cr) | Form FC-GPR | ₹10 Cr (est.) | Mar 2025 (est.) | Within 30 days | — | Upcoming | Pending |
Foreign Investment Summary
Total Foreign Investment
₹47 Cr
Total Domestic Investment
₹10.7 Cr
Route
Automatic Route
Investor
Sequoia Surge (Mauritius)
Investor Type
FDI
Sectoral Cap Compliance
FinTech / NBFC — Automatic Route
FinPilot Foreign Holding
24.9%
0%
Cap: 49%
Compliant — 24.9% current vs 49% sectoral cap. Headroom available.
Upcoming FC-GPR Reminder
Tranche 3 (~₹10 Cr) expected Mar 2025. FC-GPR must be filed within 30 days of allotment. Reminder set for Feb 15, 2025.
Reminder: Feb 15, 2025
8,00,000
Options Authorised
4% of fully diluted
2,00,000
Options Granted
6,00,000
Options Available
3
Pending Actions
Grant letters
ESOP Policy v2 — Board Approved Jun 1, 2024
Exercise price: ₹180/share (CA valuation — Rule 9C compliant) · Vesting: 4-year monthly with 1-year cliff
Compliance Checklist
ESOP policy and regulatory requirements
| Requirement | Status | Due / Date | Document | Notes |
|---|---|---|---|---|
| ESOP plan board approval | Completed | Jun 1, 2024 | ESOP Plan v2.pdf | — |
| Employee-level grant letters issued | Partial | Jun 15, 2024 | 9 of 12 issued | 3 pending letter upload |
| Vesting schedule documentation | Partial | Jun 15, 2024 | — | 3 grantees missing schedules |
| Annual ESOP report to CA | Pending | Mar 31, 2025 | — | Due with AY 2025-26 tax return |
| Exercise price valuation (Rule 9C) | Completed | Jun 5, 2024 | Valuation cert. (CA) | CA valuation ₹180/share |
| ESOP disclosure in notes to accounts | Completed | Sep 30, 2024 | Audited FY24 accounts | Disclosed in FY24 audit |
| TDS on ESOP exercise (Section 192) | Pending | On exercise | — | No exercises yet — triggered on first exercise |
Grantee Register
2,00,000 options granted to 12 employees
| Employee | Role | Options | Grant Date | Vesting Start | Cliff | Schedule | Status |
|---|---|---|---|---|---|---|---|
| Deepak Sharma | VP Engineering | 50,000 | Jun 1, 2024 | Jun 1, 2024 | 1 year | 4yr monthly | Active ✓ |
| Rahul Mishra | SDE Lead | 30,000 | Jun 1, 2024 | Jun 1, 2024 | 1 year | 4yr monthly | Active ✓ |
| Anita Patel | Product Manager | 25,000 | Jun 1, 2024 | Jun 1, 2024 | 1 year | 4yr monthly | Active ✓ |
| + 9 additional grantees — 95,000 options (grant letters partially uploaded) | |||||||
Total Granted
2,00,000
Available Pool
6,00,000
Pending Upload
3 letters
3 evidence uploads pending — TDS Q3, PF Dec, and ESI Jan require filing evidence to be uploaded for compliance trail.
Filing Evidence Repository
Platform-verified filing documents with chain-of-custody trail
| Filing | Evidence Document | Uploaded | Verified By | Status | Action |
|---|---|---|---|---|---|
| MCA Annual Return (MGT-7) | MGT7-2024-KA-12345.pdf | Oct 28, 2024 | Platform Admin | Verified | |
| Financial Statements (AOC-4) | AOC4-2024-receipt.pdf | Nov 27, 2024 | Platform Admin | Verified | |
| GSTR-3B (Oct 2024) | GSTR3B_Oct24_late.pdf | Nov 23, 2024 | Self-upload | Doc-backed | |
| FEMA Form FC-GPR | FCGPR-2024-1234-ACK.pdf | Oct 12, 2024 | Platform Admin | Verified | |
| Income Tax Return (AY 2024-25) | ITR_2024-25_FP.pdf | Oct 29, 2024 | CA M. Deloitte | Verified | |
| DIR-3 KYC (All Directors) | DIR3_2024_all5.pdf | Sep 28, 2024 | Platform Admin | Verified | |
| TDS Q3 Filing (26Q) | No evidence uploaded | — | — | Pending Upload | |
| PF Monthly Deposit (Dec 2024) | No evidence uploaded | — | — | Pending Upload | |
| ESI Monthly Return (Jan 2025) | No evidence uploaded | — | — | Pending Upload |
6
Verified Documents
1
Doc-backed (Self-upload)
3
Pending Uploads
69
/ 100
Overall Compliance Health
Needs Attention
3 overdue filings driving score down from potential 82. Clear PF, ESI, and TDS to recover ~8 points.
3 Overdue
2 Pending
7 Filed
Statutory / ROC
88/100
All MCA filings current. MGT-7, AOC-4, DIR-3 filed on time.
Good
Tax (GST/TDS/IT)
65/100
1 delayed (GSTR-3B Oct), 1 pending (TDS Q3). ITR and GSTR-1 filed.
Needs Work
Labor (PF/ESI)
58/100
PF Dec 2024 overdue, ESI Jan 2025 overdue. Immediate action required.
Critical
Investment / FEMA
82/100
FC-GPR filed late (Series A) but within RBI grace period. Bridge note on time.
Fair
Governance
85/100
Board meetings regular, minutes filed. MIS reporting 1 month delayed.
Good
ESOP
72/100
Plan approved, valuation done. 3 grant letters and vesting schedules pending.
Fair
Risk Flags
Active compliance risks requiring attention
HIGH
PF Monthly Deposit Overdue (Dec 2024)
Labor compliance risk. EPFO penalties accumulate daily. Deposit immediately and upload challan proof.
HIGH
TDS Q3 26Q Filing — 10 Days to Deadline
Due Jan 31, 2025. Not yet started. Late filing attracts ₹200/day penalty under Section 234E.
MEDIUM
GSTR-3B Oct 2024 — Filed 3 Days Late
Penalty ₹500 assessed under CGST Act. Evidence uploaded. No further action required but flags delayed history.
MEDIUM
FC-GPR Filed Late — Series A Allotment
FC-GPR for Series A (₹45 Cr) filed Oct 12, 2024 vs due date Feb 19, 2024. RBI compounding pending. Filed within grace period.
LOW
ESOP Grant Letters — 3 Employees Pending
Grant letters for 3 employees not yet uploaded to platform. Minor flag but may raise questions during investor diligence.
LOW
MIS Report to Investor Overdue
Nov 2024 MIS to Sequoia Surge overdue 11 days. Contractual (not regulatory), but governance signal for new investors.