Startup India Government of India
Exway Micro Credit Private Limited - financial services in Varanasi, Uttar Pradesh, India. FY 2026 financials & compliance.
Revenue · FY 2024
₹3.69 Cr
▲ 13% YoY
Net profit · FY 2024
₹12.98 Lakh
Net margin 3.5%
EBITDA · FY 2024
₹1.82 Cr
EBITDA margin 49.4%
Authorised capital
₹10 Lakh
Registered with MCA
Paid-up capital
₹10 Lakh
Issued & subscribed
Company age
8 yrs
Est. 2018
Employees · EPFO
45
Provident fund records
Directors on board
3
As per MCA filings
About Exway Micro Credit Private Limited
Data last updated:
Exway Micro Credit Private Limited is a private limited company based in Varanasi, Uttar Pradesh, India, recognised as a startup by DPIIT. It operates in the microfinance institutions segment of the financial services sector. It was incorporated on 10 April 2018 and has been in existence for over 8 years.
The company is registered with the Registrar of Companies (ROC), Uttar Pradesh, under CIN U65929UP2018PTC102975. Its GSTIN is 09AAFCE0075M1ZF (Uttar Pradesh).
The company has an authorised share capital of ₹10 Lakh and a paid-up capital of ₹10 Lakh. It is led by directors including Seema Chaubey and Nikhil Bansal.
Its last annual general meeting (AGM) was held on 30 September 2025, and its latest financial statements are for the year ended 31 March 2025. The registered office is at S H 16 57 R 3 Kadipur Shivpur, Varanasi, Uttar Pradesh, India – 221003.
As per the financials filed for FY 2024, the company reported a revenue of ₹3.69 Cr, a growth of 13% compared to the previous year. For the same year it recorded a net profit of ₹12.98 Lakh (net margin 3.5%) and EBITDA of ₹1.82 Cr (EBITDA margin 49.4%). Revenue has grown at a compounded annual rate (CAGR) of 69% over three years and 131% over five years.
The company has about 45 employees on its provident fund (EPFO) records.
Court records list 2 cases involving the company, including 2 filed by the company; 1 case is pending.
Exway Micro Credit Private Limited is registered as a micro enterprise under the Udyam registration framework (Reg. No. UDYAM-UP-75-0010244). For more details, the company can be reached via its website exwaymicrocredit.com.
Company details
CIN U65929UP2018PTC102975
Registration Number 102975
Incorporation Date 10 April 2018
ROC Uttar Pradesh
Listing Status Unlisted
Company Status Active
Date of Last AGM 30 September 2025
Date of Balance Sheet 31 March 2025
DPIIT Recognition Recognised Startup
MSME Classification Micro
Udyam Registration UDYAM-UP-75-0010244
Recognitions & Rankings of Exway Micro Credit
MSME (Udyam registered) Ministry of MSME
- Category
- Micro (2023-24)
- Udyam number
- UDYAM-UP-75-0010244
Contact details
Exway Micro Credit Private Limited's registered office is in Varanasi, Uttar Pradesh. Its website is exwaymicrocredit.com. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Social Media
- Registered AddressS H 16 57 R 3 Kadipur Shivpur, Varanasi, Uttar Pradesh, India – 221003
- IndustryFinancial Services, Microfinance Institutions
To see the full contact details of Exway Micro Credit Private Limited, buy the company report.
Comprehensive company report
Exway Micro Credit Private Limited - one report that includes everything
- Company details, directors and signatories
- Historical financials and ratios
- Shareholding pattern and group structure
- Charges with holder and property details
- Legal cases, compliance and MCA filings
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Business activity
The main business activity of Exway Micro Credit is financial and insurance service. In detail, this covers other financial activities.
| Main activity group code | Main activity | Business activity code | Business activity | Share of turnover |
|---|---|---|---|---|
| K | Financial and insurance Service | K8 | Other financial activities |
To see the full business activity and turnover split of Exway Micro Credit Private Limited, buy the company report.
Financials of Exway Micro Credit Private Limited
FY 2025 filings availableExway Micro Credit Private Limited reported revenue of ₹3.69 Cr (up 13% YoY) for FY 2024.
Revenue · FY 2024
₹3.69 Cr ▲ 13%
Net profit · FY 2024
₹12.98 Lakh margin 3.5%
EBITDA · FY 2024
₹1.82 Cr margin 49.4%
Compounded Annual Growth Rate (CAGR)
Revenue CAGR growth
1 year
▲ 13%
3 years · compounded
▲ 69%
5 years · compounded
▲ 131%
EBITDA CAGR growth
1 year
▲ 20%
3 years · compounded
▲ 71%
5 years · compounded
▲ 132%
Revenue has grown at a compounded annual rate (CAGR) of 131% over five years, including 13% growth in the latest year. EBITDA rose 20% in the latest year. Three- and five-year figures are compounded annual growth rates (CAGR): the steady yearly rate that links the first and the last year. All are worked out from the filed statements.
Financial Statement Summary
| Metrics | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|
| Profit and Loss Statement | |||||
| Revenue from Operations | |||||
| Other Income | |||||
| Total Revenue | |||||
| Cost of Materials Consumed | |||||
| Employee Benefit Expense | |||||
| Finance Costs | |||||
| Depreciation and Amortisation | |||||
| Other Expenses | |||||
| Total Expenses | |||||
| EBITDA | ₹1.82 Cr | ||||
| Profit Before Tax | |||||
| Tax Expense | |||||
| Net Profit (PAT) | ₹12.98 Lakh | ||||
| Balance Sheet | |||||
| Share Capital | |||||
| Reserves and Surplus | |||||
| Net Worth (Total Equity) | |||||
| Long-term Borrowings | |||||
| Short-term Borrowings | |||||
| Trade Payables | |||||
| Total Liabilities | |||||
| Fixed Assets | |||||
| Investments | |||||
| Inventories | |||||
| Trade Receivables | |||||
| Cash and Bank Balance | |||||
| Total Assets | |||||
Financial Ratios
| Metrics | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 49.4% | ||||
| Net Profit Margin | 3.5% | ||||
| Return on Equity (ROE) | |||||
| Return on Capital Employed (ROCE) | |||||
| Return on Assets (ROA) | |||||
| Liquidity and Debt | |||||
| Current Ratio | |||||
| Quick Ratio | |||||
| Debt-to-Equity Ratio | |||||
| Interest Coverage Ratio | |||||
| Efficiency and Growth | |||||
| Asset Turnover | |||||
| Receivable Days | |||||
| Payable Days | |||||
| Inventory Days | |||||
| Revenue Growth | |||||
| Net Profit Growth | |||||
To see the full financial statements and ratios of Exway Micro Credit Private Limited, buy the company report.
Board of directors of Exway Micro Credit Private Limited
Exway Micro Credit has 3 current directors and 3 former directors. Current directors are listed first, with their designation and appointment date.
Current Directors
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Seema Chaubey Also directs: Awadhanchal Mutual Benefits Nidhi Limited | Director | 05 Jan 2019 | 7 Years 9 Months | Current |
| Nikhil Bansal Also directs: Awadhanchal Mutual Benefits Nidhi Limited, Sysm Consulting and Commerce LLP, Dhvani Firework LLP and 3 more | Director | 05 Jan 2019 | 7 Years 9 Months | Current |
| Seeta Pathak Also directs: Awadhanchal Mutual Benefits Nidhi Limited, Dhvani Firework LLP, KV Bharat Vanijya Private Limited and 2 more | Additional Director | 09 Jun 2019 | 7 Years 4 Months | Current |
Peer comparison
Exway Micro Credit Private Limited is compared with the 5 companies closest to it by revenue in the BFSI industry (Micro Finance), with the same principal business activity (other financial activities), from the latest filed financials of each company.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Alankar Benefit Fund Nidhi Limited | ₹3.75 Cr (FY 2024) | 19.0% | Thanjavur, Tamil Nadu, India | |||
| VVRS Chitfund Tamilnadu Private Limited | ₹3.7 Cr (FY 2025) | 47.0% | Tirupur, Tamil Nadu, India | |||
| Exway Micro Credit Private Limitedthis company | ₹3.69 Cr (FY 2024) | ₹12.98 Lakh | 3.5% | 13.0% | 45 | Varanasi, Uttar Pradesh, India |
| Arishanapally Chit Funds Private Limited | ₹3.59 Cr (FY 2024) | -19.0% | Hyderabad, Telangana, India | |||
| Sri Vembu Chits Private Limited | ₹3.54 Cr (FY 2023) | 35.0% | Chennai, Tamil Nadu, India | |||
| Sharewealth Chits Limited | ₹3.54 Cr (FY 2024) | 1.0% | Thrissur, Kerala, India |
To see the full peer comparison of Exway Micro Credit Private Limited, buy the company report.
Auditor
Exway Micro Credit Private Limited is audited by A. TANDON AND COMPANY for the financial year 2023.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| A. TANDON AND COMPANY | FY 2023 | 076265 |
Shareholding
The shareholding of Exway Micro Credit Private Limited is on record for 3 financial years, the latest being FY 2023, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2023 | FY 2021 | FY 2020 |
|---|---|---|---|
| Promoters | |||
| Domestic institutional investors (DII) | |||
| Foreign institutional investors (FII) | |||
| Public | |||
| Others |
To see the full shareholding pattern of Exway Micro Credit Private Limited, buy the company report.
Legal cases
Exway Micro Credit Private Limited has 2 court cases on record: 2 filed by Exway Micro Credit. 1 case is pending and 1 is disposed.
Total cases
2
Filed by the company
2
Pending
1
Disposed
1
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 2 | 0 | 1 |
Cases on record (2 of 2)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Varanasi, Uttar Pradesh | Civil suit | Filed by the company against an individual | Pending |
| District court, Varanasi, Uttar Pradesh | Court case (Complaint Cases) | Filed by the company against Bhawan Finance Kerakatpur | Disposed |
To see the full case history of Exway Micro Credit Private Limited, buy the company report.
Case records are compiled from court listings and may lag the court's own records. A case filed against a company is not a finding against it.
MSME payment delays
No delayed payments to MSME suppliers are on our record for Exway Micro Credit Private Limited; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
Employees & EPFO
Exway Micro Credit Private Limited has a workforce of 45 employees on its EPFO records as of Apr 05, 2024, across 1 active EPFO establishment.
Employee count
45
Active EPFO establishments
1
Employee growth
50%
GST
Exway Micro Credit has 1 GST registration: 1 active.
Total GSTINs
1
Active
1
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 09AAFCE0075M1ZF | Uttar Pradesh | Active | 24 May 2021 |
To see the full GST registrations and return filing status of Exway Micro Credit Private Limited, buy the company report.
Recent activity
Exway Micro Credit Private Limited has 6 board changes on record since 2019: 3 appointments and 3 cessations. The latest: Harsh Pandey ceased to be Director on 20 Jan 2024.
AGM
Exway Micro Credit Private Limited last Annual general meeting of members was held on 30 Sep 2025 as per latest MCA records.
Filing
Exway Micro Credit Private Limited has filed its annual Financial statements for the year ended 31 Mar 2025 with Roc Uttar Pradesh I.
Ceased
Harsh Pandey ceased to be Director.
Appointed
Seeta Pathak was appointed as Additional Director.
Ceased
Vijay Prakash Pathak ceased to be Director.
Ceased
Bhagwat Prasad Shukla ceased to be Director.
Appointed
Nikhil Bansal was appointed as Director.
Appointed
Seema Chaubey was appointed as Director.
Incorporation
10 Apr 2018
Exway Micro Credit Private Limited was registered on 10 Apr 2018 with Roc Uttar Pradesh I & aged 8 years 6 months as per MCA records.
Frequently asked questions
Exway Micro Credit is an active private limited company based in Varanasi, Uttar Pradesh, India. The company works in microfinance institutions, within the financial services industry. It was incorporated on 10 April 2018 (8+ years old) and is registered under CIN U65929UP2018PTC102975.
Exway Micro Credit has 3 current directors:
- Seema Chaubey - Director
- Nikhil Bansal - Director
- Seeta Pathak - Additional Director
The latest financial statements of Exway Micro Credit on record with the MCA are for the year ended 31 March 2025. Its last annual general meeting was held on 30 September 2025. Year-wise statements from FY 2019 are in the company report.
The GSTIN of Exway Micro Credit is 09AAFCE0075M1ZF, registered in Uttar Pradesh.
The CIN (Corporate Identification Number) of Exway Micro Credit is U65929UP2018PTC102975. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Exway Micro Credit has 2 court cases on record: 2 filed by the company. 1 is pending.
Exway Micro Credit was incorporated on 10 April 2018, making it 8+ years old. It is registered with the Registrar of Companies, Uttar Pradesh.
The peers of Exway Micro Credit by revenue are Alankar Benefit Fund Nidhi Limited, VVRS Chitfund Tamilnadu Private Limited, Arishanapally Chit Funds Private Limited, Sri Vembu Chits Private Limited, Sharewealth Chits Limited, all in the BFSI industry (Micro Finance), with the same principal business activity (other financial activities).
Harsh Pandey ceased to be Director on 20 Jan 2024. Seeta Pathak was appointed as Additional Director on 09 Jun 2019. Vijay Prakash Pathak ceased to be Director on 09 Jun 2019. Exway Micro Credit has 6 board changes on record in total.
Yes, Exway Micro Credit is recognised as a startup by the Department for Promotion of Industry and Internal Trade (DPIIT).
Yes, Exway Micro Credit is registered as a micro enterprise under Udyam registration (number: UDYAM-UP-75-0010244).
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