Informational & Investor Services | Savlana Init

MCA · Investor Services

Informational & Investor Services — Charges, Beneficial Ownership, and Investor Protection Compliance.

Charge creation and satisfaction, IEPF claims for investors, Significant Beneficial Owner disclosures, and MCA due diligence — we handle the full range of MCA informational and investor-protection filings.

MCA provides a range of informational and investor-protection mechanisms — from publicly accessible company and director data to formal investor grievance redressal through the Investor Education and Protection Fund (IEPF). These services allow investors, creditors, banks, and counterparties to verify the status and compliance history of companies and directors before engaging, and provide investors with a formal route to recover unclaimed dividends and shares that have been transferred to the government fund.

The IEPF is a key investor-protection mechanism under the Companies Act. Dividends unclaimed for 7 or more years, and shares on which such dividends remain unclaimed, must be transferred to IEPF. Companies are required to file IEPF-1 and IEPF-2 to report amounts and shares transferred to the fund annually. Investors can claim their shares and dividends back from IEPF by filing Form IEPF-5 online and following the verification process with the company's Nodal Officer.

Significant Beneficial Ownership (SBO) compliance under Section 90 requires companies to identify individuals who ultimately hold or control 10% or more of shares, voting rights, or dividend rights — even indirectly — and file Form BEN-2 to declare such ownership. Charge-related filings — Form CHG-1 for creation and CHG-4 for satisfaction — record security interests over company assets and are searched by lenders and creditors during due diligence. We provide assistance across the full range of MCA informational and investor-protection compliance requirements.

Our Investor Services Services

MCA Due Diligence Search

Compiling MCA master data on companies, directors, and charges for pre-transaction or pre-lending verification.

Company & Director Verification

Extracting company information reports and director data from MCA for regulatory, banking, or investor due diligence.

Charge Filing (CHG-1)

Filing Form CHG-1 to create or modify a charge over company assets in favour of a lender within 30 days of creation.

Charge Satisfaction (CHG-4)

Filing Form CHG-4 to record the discharge of a charge once the underlying loan or security obligation is settled.

IEPF Investor Claim (IEPF-5)

Filing Form IEPF-5 to recover shares and dividends transferred to the Investor Education and Protection Fund.

IEPF Company Returns (IEPF-1 & IEPF-2)

Filing the annual returns of amounts and shares transferred to IEPF as required under the Companies Act.

Significant Beneficial Owner (BEN-2)

Filing Form BEN-2 with the RoC to declare Significant Beneficial Owners under Section 90 of the Companies Act.

SBO Register & BEN-1 Compliance

Maintaining the Register of Significant Beneficial Owners and managing BEN-1 declarations received from identified SBOs.

Our Process

Requirement Identification

We confirm the specific informational or investor compliance requirement — charge filing, IEPF claim, SBO declaration, or due diligence search.

Data Compilation

Company, charge, investor, or beneficiary information compiled and verified against source documents and MCA records.

Form Preparation

CHG-1, CHG-4, BEN-2, IEPF-1, IEPF-2, or IEPF-5 prepared with complete and accurate information.

Filing Within Statutory Deadline

Forms filed on MCA within applicable deadlines — 30 days for charges, annual for IEPF and SBO filings.

Confirmation & Documentation

Acknowledgement obtained; charge ID, IEPF claim receipt, or SBO register entry provided as applicable.

Why It Matters

✓MCA master data searched and compiled accurately for due diligence and verification

✓Charge creation (CHG-1) filed within the 30-day window to avoid penal interest and unregistered charge risk

✓Charge satisfaction (CHG-4) filed promptly to clear the encumbrance from the company's MCA record

✓IEPF-5 investor claims prepared and submitted through the correct IEPF portal process

✓IEPF-1 and IEPF-2 company returns filed within prescribed annual deadlines

✓BEN-2 filed to declare Significant Beneficial Owners as required under Section 90

✓SBO register maintained with BEN-1 declarations from all identified beneficial owners

✓Due diligence reports compiled from MCA data for pre-transaction verification

Frequently Asked Questions

CHG-1 is filed by a company to record the creation or modification of a charge over its assets in favour of a lender. It must be filed within 30 days of the date of creation. Late filing (up to 60 days) attracts additional fees; beyond 60 days, condonation of delay must be applied for with the Regional Director.

The Investor Education and Protection Fund receives dividends unclaimed for 7 or more years and shares on which such dividends are unclaimed. Investors can claim a refund by filing Form IEPF-5 on the MCA portal and submitting the physical claim to the company's IEPF Nodal Officer for verification.

An SBO is an individual who ultimately holds or controls 10% or more of shares, voting rights, or dividend entitlements in a company — directly or indirectly, or in concert with others — or exercises significant influence or control. Companies must identify SBOs, obtain BEN-1 declarations, and file BEN-2 with the RoC.

If CHG-1 is not filed within 30 days, the charge is not registered on MCA. The company can file within 60 days with additional fees; beyond 60 days, an application for condonation of delay must be made to the RD. An unregistered charge may be void against a liquidator or creditors in insolvency proceedings.

IEPF-1 is the statement of amounts credited to IEPF (unclaimed dividends, matured deposits, etc.). IEPF-2 is the statement of amounts transferred to IEPF. All companies that have transferred amounts or shares to IEPF during the year must file these returns with MCA within the prescribed timeline.

Yes — Form CHG-4 is filed to record the satisfaction of a charge when the underlying debt is repaid or discharged at any time. Once CHG-4 is processed, the charge no longer appears as a live encumbrance on the company's MCA record, which is important for future borrowings and due diligence.

Need charge filings, IEPF claims, or SBO compliance managed?

We'll handle CHG-1, CHG-4, BEN-2, IEPF filings, and MCA due diligence searches — accurately and within statutory deadlines.