Vighnaharta Limited

Reference number: 796322

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Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

Ingard Financial Limited Reference number: 450731 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • Vighnaharta Limited (FRN 796322) is an AR of Ingard Financial Limited (FRN 450731). When you use Vighnaharta's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Vighnaharta, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

  • No website on the FCA register

  • Phone number

    07762 261837

  • Address

    Harrow Business Centre, 429-433 Pinner Road, Harrow, Harrow, HA1 4HN, United Kingdom

In the full report: 2 background checks

  • What kind of line 07762 261837 is
  • Who else gives the postcode HA1 4HN
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Other names (2)

If you were contacted under any of these names, it is this firm.

  • V Business Finance Trading name
  • Vighnahata Limited Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Ingard Financial Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
08405065
Company status
Active
Company type
Private limited company
Incorporated
15 February 2013 (13 years old)
Registered office
C/O Harrow Business Centre Office Number 325, 429-433 Pinner Road, North Harrow, Middlesex, HA1 4HN, England
Nature of business
  • Other information technology service activities (SIC 62090)
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Tushar Gadikar Director Apr 1980 15 Feb 2013 15 other companies

Other companies run by its director

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
15
closed down
6
still active
9

In the full report: all 15 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 28 February 2025Micro-entity accountsNot audited

Net assets

£6,955

+119% from £3,169

Employees (average)

5

No earlier figure to compare

Owed within a year

£10.3k

+70% from £6,048

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 08405065. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Vighnaharta’s history from the FCA register and Companies House, newest first.

2026

4 February 2026

  • Began trading as "V Business Finance"

FCA register

2017

14 December 2017

  • Changed its registered name from "Vighnahata Limited"

FCA register

12 December 2017

  • Became an appointed representative

FCA register

1 February 2017

  • Tushar Gadikar gained significant control

Companies House

2013

15 February 2013

  • Incorporated at Companies House
  • Tushar Gadikar appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms connected to Vighnaharta

Other FCA-listed firms that share a director, phone number or address with Vighnaharta. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
3
share its postcode
3

In the full report: all 3 connected firms, named

  • How each is linked: the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like Vighnaharta

Other firms of the same type (mortgage adviser or broker), nearest first.

In Harrow

Advent Financial Services LtdHarrowAppointed representativeAlpha Mortgage Solutions LtdHarrowAppointed representativeAUM Private LimitedHarrowAppointed representativeColossus Financial Solutions LtdHarrowAppointed representativeDavid Carnac Financial Services LimitedHarrowAppointed representativeFlash Finance LimitedHarrowAppointed representative

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Vighnaharta

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 15 other companies its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 6 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Vighnaharta Limited FCA authorised?
Vighnaharta Limited (FRN 796322) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Vighnaharta?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. Vighnaharta Limited (FRN 796322) is an AR of Ingard Financial Limited (FRN 450731). When you use Vighnaharta's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Vighnaharta, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
What is Vighnaharta’s phone number?
The FCA register lists the phone number 07762 261837 for Vighnaharta. If you were given different contact details, use these to check with the firm before going any further.
Is Vighnaharta a scam or clone?
Vighnaharta is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Vighnaharta?
Protection works through Ingard Financial Limited, the principal firm responsible for Vighnaharta's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Vighnaharta?
Companies House lists one person with significant control of Vighnaharta: Mr Tushar Gadikar (significant influence or control).
Who runs Vighnaharta?
Companies House lists one director of Vighnaharta: Tushar Gadikar.
How long has Vighnaharta been in business?
The company was formed on 15 February 2013.
What do Vighnaharta’s latest accounts show?
Its latest accounts, to 28 February 2025, show net assets of £6,955 (+119% from £3,169).
Does Vighnaharta use any other names?
It trades as V Business Finance. It has previously used the name Vighnahata Limited.

Sources and links

The full report on Vighnaharta Limited

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