About Fraternal Credit and Financial Services Ltd
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Fraternal Credit and Financial Services Ltd is a public limited company based in Irinjalakuda, Kerala, India. It operates in the non-banking financial services (NBFC) segment of the financial services sector. It was incorporated on 11 October 1994 and has been in existence for over 32 years.
The company is registered with the Registrar of Companies (ROC), Ernakulam, under CIN U65910KL1994PLC008257. Its GSTIN is 32AAACF5259P1ZC (Kerala).
The company has an authorised share capital of ₹5 Cr and a paid-up capital of ₹5 Cr. It is led by directors including Kanjiraparambil Paramu Sujith (Managing Director) and Sebastian Joice.
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 Xvi – 263 – O Fraternal Complex Near Vyabhara Bhavan Chanthakkunnu, Irinjalakuda, Kerala, India – 680121.
As per the financials filed for FY 2019, the company reported a revenue of ₹59.21 Lakh, a decline of 17% compared to the previous year. For the same year it recorded a net profit of ₹7.74 Lakh (net margin 13.1%) and EBITDA of ₹29.59 Lakh (EBITDA margin 50%). Revenue has declined at a compounded annual rate (CAGR) of 1% over three years.
Court records list 206 cases involving the company, including 199 filed by the company and 7 filed against it; 18 cases are pending.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website fraternalcredit.com.
Company details
Contact details
Fraternal Credit and Financial Services Ltd's registered office is in Irinjalakuda, Kerala. Its website is fraternalcredit.com. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Registered AddressXvi – 263 – O Fraternal Complex Near Vyabhara Bhavan Chanthakkunnu, Irinjalakuda, Kerala, India – 680121
- IndustryFinancial Services, NBFC, Investment & Credit NBFC, Asset Financing Companies
To see the full contact details of Fraternal Credit and Financial Services Ltd, buy the company report.
- 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
Business activity
The main business activity of Fraternal Credit and Financial Services 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 Fraternal Credit and Financial Services Ltd, buy the company report.
Financials of Fraternal Credit and Financial Services Ltd
FY 2025 filings availableFraternal Credit and Financial Services Ltd reported revenue of ₹59.21 Lakh (down 17% YoY) for FY 2019.
Compounded Annual Growth Rate (CAGR)
Revenue has declined at a compounded annual rate (CAGR) of 1% over three years, including a 17% fall in the latest year. EBITDA fell 25% 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 2018-19 | FY 2017-18 | FY 2016-17 | FY 2015-16 | FY 2014-15 |
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| EBITDA | ₹29.59 Lakh | ||||
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| Net Profit (PAT) | ₹7.74 Lakh | ||||
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Financial Ratios
| Metrics | FY 2018-19 | FY 2017-18 | FY 2016-17 | FY 2015-16 | FY 2014-15 |
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| Profitability | |||||
| EBITDA Margin | 50% | ||||
| Net Profit Margin | 13.1% | ||||
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To see the full financial statements and ratios of Fraternal Credit and Financial Services Ltd, buy the company report.
Board of directors of Fraternal Credit and Financial Services Ltd
Fraternal Credit and Financial Services has 14 current directors and 11 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Sebastian Joice | Director | 25 May 2013 | 13 Years 4 Months | Current |
| Unnikrishnan Meledath | Director | 01 Mar 2015 | 11 Years 7 Months | Current |
| Kanjiraparambil Paramu Sujith Also directs: Edamuttam Nidhi Limited | Managing Director | 20 Feb 2010 | 16 Years 8 Months | Current |
| Jayaprakash Kalathil Balakrishnan | Director | 29 Sep 2004 | 22 Years 0 Months | Current |
| Pandaraparambil Appu Chandran Also directs: Green Books Private Limited | Director | 17 Aug 2006 | 20 Years 2 Months | Current |
| Geogy John Also directs: Rain River Valley Projects & Properties Private Limited | Director | 20 Feb 2010 | 16 Years 8 Months | Current |
Peer comparison
Fraternal Credit and Financial Services Ltd is compared with the 7 companies closest to it by revenue in the BFSI industry (Asset Financing Companies, NBFC Investment and Credit Companies, Small Non Deposit NBFC), 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 |
|---|---|---|---|---|---|---|
| Supreme Trading Company Private Limited | ₹59.38 Lakh (FY 2025) | -16.0% | Kolkata, West Bengal, India | |||
| Bangur Trafin Pvt. Ltd. | ₹59.24 Lakh (FY 2025) | 9.0% | Kolkata, West Bengal, India | |||
| Fraternal Credit and Financial Services Ltdthis company | ₹59.21 Lakh (FY 2019) | ₹7.74 Lakh | 13.1% | -17.0% | Irinjalakuda, Kerala, India | |
| Waqt Finance Private Limited | ₹59.2 Lakh (FY 2025) | 10.0% | Jaipur, Rajasthan, India | |||
| Ontrack Suppliers Pvt Ltd | ₹59.09 Lakh (FY 2025) | -86.0% | Mumbai, Maharashtra, India | |||
| Gujrani Foods Pvt. Ltd. | ₹59.09 Lakh (FY 2025) | -2.0% | Kolkata, West Bengal, India | |||
| Singhvi Finlease (India) Limited | ₹59.03 Lakh (FY 2024) | -6.0% | Chennai, Tamil Nadu, India | |||
| Sivog Marketing Pvt Ltd | ₹59.03 Lakh (FY 2024) | -43.0% | Kolkata, West Bengal, India |
To see the full peer comparison of Fraternal Credit and Financial Services Ltd, buy the company report.
Auditor
Fraternal Credit and Financial Services Ltd is audited by JOHN & JOSE for the financial year 2018.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| JOHN & JOSE | FY 2018 | 007046S |
Shareholding
The shareholding of Fraternal Credit and Financial Services Ltd is on record for 4 financial years, the latest being FY 2018, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|
| Promoters | ||||
| Domestic institutional investors (DII) | ||||
| Foreign institutional investors (FII) | ||||
| Public | ||||
| Others |
To see the full shareholding pattern of Fraternal Credit and Financial Services Ltd, buy the company report.
Legal cases
Fraternal Credit and Financial Services Ltd has 206 court cases on record: 199 filed by Fraternal Credit and Financial Services, 7 filed against it. 18 cases are pending and 188 are disposed.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 205 | 6 | 17 |
| High courts | 1 | 1 | 1 |
Cases on record (5 of 206)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Thrissur, Kerala | Civil suit | Filed by the company against Prince | Pending |
| District court, Thrissur, Kerala | Civil suit | Filed by the company against an individual | Pending |
| District court, Thrissur, Kerala | Civil suit | Filed by the company against an individual | Pending |
| District court, Thrissur, Kerala | Civil suit | Filed by the company against individuals | Pending |
| District court, Thrissur, Kerala | Civil suit | Filed by the company against an individual | Pending |
To see the full case history of Fraternal Credit and Financial Services Ltd, 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 Fraternal Credit and Financial Services Ltd; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
GST
Fraternal Credit and Financial Services has 1 GST registration: 1 active.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 32AAACF5259P1ZC | Kerala | Active | 20 Jul 2018 |
To see the full GST registrations and return filing status of Fraternal Credit and Financial Services Ltd, buy the company report.
Recent activity
Fraternal Credit and Financial Services Ltd has 25 board changes on record since 1997: 14 appointments and 11 cessations. The latest: Chakkalamattam Peter Francis ceased to be Additional Director on 30 Sep 2019.
16 earlier events are in the company report.
Frequently asked questions
Fraternal Credit and Financial Services is an active public limited company based in Irinjalakuda, Kerala, India. The company works in nbfc, within the financial services industry. It was incorporated on 11 October 1994 (32+ years old) and is registered under CIN U65910KL1994PLC008257.
Fraternal Credit and Financial Services has 14 current directors:
- Kanjiraparambil Paramu Sujith - Managing Director
- Sebastian Joice - Director
- Unnikrishnan Meledath - Director
- Jayaprakash Kalathil Balakrishnan - Director
- Pandaraparambil Appu Chandran - Director
- Geogy John - Director
- Mangaladas Madathil - Director
- Sindhu Ajaykumar - Director
- Chakkalamattam Peter Francis - Director
- Jayachandran Ponathil Narayanan - Director
- Sajeendran Cheerakuzhy Balakrishnan - Director
- Thressia Thomas - Director
- Prabhakaran Valiyaparambil Narayanan - Director
- Kattoor Karuvan Ramakrishnan Haridas - Director
The latest financial statements of Fraternal Credit and Financial Services 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 2015 are in the company report.
The GSTIN of Fraternal Credit and Financial Services is 32AAACF5259P1ZC, registered in Kerala.
The CIN (Corporate Identification Number) of Fraternal Credit and Financial Services is U65910KL1994PLC008257. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Fraternal Credit and Financial Services has 206 court cases on record: 199 filed by the company and 7 filed against it. 18 are pending. Most are in the district courts.
Fraternal Credit and Financial Services was incorporated on 11 October 1994, making it 32+ years old. It is registered with the Registrar of Companies, Ernakulam.
The peers of Fraternal Credit and Financial Services by revenue are Supreme Trading Company Private Limited, Bangur Trafin Pvt. Ltd, Waqt Finance Private Limited, Ontrack Suppliers Pvt Ltd, Gujrani Foods Pvt. Ltd. and 2 more, all in the BFSI industry (Asset Financing Companies, NBFC Investment and Credit Companies, Small Non Deposit NBFC), with the same principal business activity (other financial activities).
Chakkalamattam Peter Francis ceased to be Additional Director on 30 Sep 2019. Vinodan Nandlathu Parambil Kunjivelayudhan ceased to be Director on 25 Mar 2019. Chakkalamattam Peter Francis was appointed as Director on 07 Jul 2018. Fraternal Credit and Financial Services has 25 board changes on record in total.
Fraternal Credit and Financial Services can be reached through the website fraternalcredit.com. Its registered office is in Irinjalakuda, Kerala, India.
The registered office of Fraternal Credit and Financial Services is at Xvi – 263 – O Fraternal Complex Near Vyabhara Bhavan Chanthakkunnu, Irinjalakuda, Kerala, India – 680121.